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Is now still a good time for you? Yes. Okay. I'll try to be a bit quick if you are a little bit short for time. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Address and date of birth, please. Yep. Perfect. That's exactly what I have here. Now but before I do kind of jump into the annual review, I'd like to always start by asking, if there is anything specific you are wanting me to address today or for that you're hoping to get out of the review or whether it's just just the yellow catch up? Mhmm. I can go back and have a look for you. Just bear with me. It's just wait. I'm just opening it up now just to software is being a little bit slower than PDF. So I will know in a second. I can definitely because, obviously, it takes it takes a little bit to, obviously, do all the math and calculation to see that, obviously, like, exactly where you would be. But if you if you want me to, I'm happy to get the team to pull all the figures together and email it to you to see where things would have been if you didn't come on board, or is it a matter of what was the last, you know, twelve months with Australia through for a bit of both? Yep. Yep. Yep. Yep. And that makes sense. Obviously, you wanna make sure that, you know, if you're paying a little bit more for for fees, you're getting the service and that in in turn, you are getting the returns and everything like that. So I can definitely go back and do that for you. Now when I email it through, because there are obviously a couple of that's changed for you so that I can make it the most, I guess, apple to apple comparison. So in your Australian super, you had insurances at the time. So would you like me to assume that you had those insurances and those premiums stayed the same for the whole time? Now they obviously will change, but it's a bit tricky to forecast five years worth of insurance premium premium. Yeah. Yeah. Yep. Okay. Yep. Just do that. Okay. Yep. And what I can do to make it as, you know, like for like is I can then assume because your premium at the time was $299.04. I'll put some disclaimers in there, but I can then assume same insurance across both to give you a bit more accurate of just your super, how that would have changed. Does that make sense? Yep. So then you can see purely just from a superannuation growth perspective. Yeah. Alright. Perfect. I can definitely do that. It might be by end of tomorrow, if that's okay. Yes. Yeah. Perfect. I'll get that email through there. When you do have a look at it, if you have any questions or concerns or anything, just let me know. But, otherwise, I'll add, you know, any disclaimers that we've made in regards to it, so that you can obviously see. And let me see here. At the time, your income probably was a little bit different. So your income at the time was 40,000. What is it today? Yes, please. Okay. Perfect. So what I can do then again because it's it obviously, the more income you earn, the more employee contributions you're gonna earn, the more it's gonna compound and change. So would you like me to assume your income was for 40,000? Because that's what it was at the time, staying consistent until today, showing that both with your current Subaru and have 24, or would you like me to assume a 104, or what would you prefer? Yeah. Yes. Yes. I can definitely do that. Yeah. So, obviously, it would have changed slightly then, like, if you stayed in in Australian Super because at the time, your income obviously wasn't a 104, so you wouldn't get as much return, and it wouldn't compound as much. But I can at least give you a bit of a a bit of an understand understanding. Yeah. Yeah. Yes. Correct. Yes. The same. Yep. Yep. Perfect. Yeah. And, again, I'll put this claim as underneath it to say assuming income of a 104, both scenarios, assuming same premiums, both scenarios so that you can see more clearly what the changes would have been. Yeah. Okay. Perfect. Aside from from that, is there any other, like, concerns or questions otherwise that you have that you want me to address or just to kind of run through things? Yes. The Authenticator app and stuff. Yep. No. That's okay. I have actually sent you an email with some information to run through, which shows you where everything is at at the moment as well. But before I kind of jump into that, I do wanna just quickly run through a bit of an updated fact find review just to see if there's been any major changes that would need us to make any changes to your advice. So I will try to run through this as quickly as I can for you if you are a little bit short for time, so just bear with me. Now when it comes to your personal information, I have you down here as married with four financial dependents. Is that correct? Yep. Perfect. I do have next of kin as John, phone number ending 645. That's still the case? Yep. Perfect. And I've updated your income already. Any changes to your occupation otherwise or just a bit of a buffer in income? No. Doing the same. Yep. Perfect. So is it still part time or full time or a bit of a combination? Full time. Okay. Perfect. And your employer, they're still paid 12% employee contributions into super? Yes. Great. Aside from, obviously, employer contributions, are you making any additional contributions into super? No. No. Perfect. Now asset and liabilities wise, I'll just confirm what I have here, and just let me know if anything has changed. But I have here that your main property was last valued at about 2.5 mill. Yep. Perfect. Mortgage of about 1,030,000. Perfect. Now I do have here as well two investment properties at one in Narrabeen. Yeah. About about $9.50. Yeah. 1,000,000. Perfect. And then I also have that the mortgage is about 600,000. Perfect. And then you also have another property in Sydney of about 1.5? Yes. Okay. So you've sold that property. And are you thinking of buying another one or not really? Nope. Perfect. Do you also have your motor vehicle, by the about 60,000? Yes. Yes. 45. Perfect. And you don't have anything owing on that one, do you? No. Perfect. And then I also have an offset account that's split with your husband of about a 130,000. Okay. Perfect. And then kind of looking at doing some house renovation. Perfect. Any other new assets that we haven't gone through that's changed over the last twelve months? No. Perfect. No other liabilities like personal loans, credit cards, ZipPay? No. Perfect. Health and lifestyle wise, are you a smoker? Alright. Perfect. Any changes to your health in the last twelve months otherwise? No. Perfect. Do you have private health insurance? Yep. Perfect. And lastly, just estate planning wise, do you have a will in place? Yep. Perfect. And that's pretty up to date. Oh, great. Perfect. Do you know if you made a nomination for power of attorney when you got the will as well? No. That's alright. But you don't have anyone otherwise who makes any financial decisions on your behalf? Alright. Great. So that was all of the personal information. When it comes to, I guess, goals and stuff that you are working on for the next twelve months. Now last time when we did do your under review, you were kind of focusing on putting aside some money to start some house renovations. You kind of mentioned that that's still kind of a goal for yourself. Is there is there anything else that you're working through that you're wanting to achieve financially or nonfinancially over the next twelve months? Mhmm. Yep. Yes. Yep. Okay. Perfect. Yeah. Oh, that's nice. Now the other thing I do wanna quickly run through with you is just an updated risk profile questionnaire, and that is just to see if we need to make any changes to your investment portfolio otherwise with your super. So there is no right or wrong answers. It's just whatever you feel is the most appropriate for you, And it is in regards to your superannuation. So if it doesn't make sense, let me know because some of them yep. Sorry? Yep. Perfect. Now, Candice, have you ever made direct shares yourself? Bought direct shares, like, on the stock market and stuff like that? Yes. Yeah. No. Perfect. Yes. Do you yep. No. It definitely counts. Do you still have a little, like, share portfolio there? Yeah. Do you know how much you have roughly? Oh, it's still an asset. So I'll just change that up. That's good. Now let me see here. Otherwise, I guess, when it comes to accessing superannuation, I have here that, you're planning on accessing super at the age of 60. Is that still the plan? Yep. Well, that is the earliest you can currently at least with the legislation. If you stop working, it is at 60. You can take it tax free. Now, otherwise, when it comes to how much risk you are willing to take in regards to your superannuation, Are you willing to take, you know, very high risk, high risk moderate, or a small amount of risk in order to kinda keep up pace, you know, with inflation and increase in prices? High risk? Yeah. Perfect. And if you, after six months of placing an investment, found out that your portfolio has decreased in value by 20%, would you if you had the option to do so, I think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold and wait to see what happens, or would you want to shift to a more secure asset? So that means the other selling when the prices have already dropped. The first one. Perfect. Now next one is in regards to superannuation dropping in value. So if you ever noticed your superannuation fluctuate and drop in value over to the last twelve months, we've seen a bit of fluctuation with everything going on in the world in the last twelve months. If it was something that you did notice, would you say that you would feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, or that would make you feel quite concerned? So yeah. Perfect. And the last one is, would you ever consider taking out a loan to invest on the stock market? No. No. Perfect. So just kind of investment property is kind of where taking out a a loan would be where you would be comfortable with. Yep. No. Perfect. Now that tells me here that from a risk profile point of view, you have come out as a high growth investor, which is the portfolio that we currently have you invested in. Do you remember what a high growth investor is? Yeah. So, essentially, it means someone you know, you are willing to see a bit of fluctuations in the short term in order to kinda maximize growth in the long term when we are thinking of a time frame as well. So making sure that you have enough time in the market because, typically, we see about 90% invested in your growth assets. So these will be things like Australian shares, international shares, property, and commodities, which is going to maximize that growth for you. And then you have about 10% in more defensive investments, like your cash, your gold, your fixed interest. We're trying to limit fluctuations a little bit. Time frame side of it, we do typically want to allow at least eight years until retirement because you do see a bit of fluctuations in the short term in order to kinda grow it in the long term. Are you still comfortable with a high growth portfolio, or has your risk tolerance or anything changed? Yep. Okay. Perfect. Now do you have access to your emails at the moment? Yep. Perfect. So what I have done is I have sent you an email, with a couple of attachments just to run through, quickly with you, then we're all finished for today. If you are able to access those for me. It can also end in the spam folder because yes. Yes, please. Yep. That's the one. So before you click on the link, because that will ask you to sign the documents that needs signing. But before you click on it, if you scroll down, you will see a couple of attachments. Can you see those? Yep. Perfect. Now the one that says Oakview services guide version one and Oakview financial services guide version four, I will let you have a read over those in your own time. It's one of those compliance documents you would have seen before. It is just an updated financial services guide. So, basically, everything that you need to know about us is all in them. We've had some changes to our marketing, which is great, and a bit of extension to the team. So, basically, everything about the team, all our advisers, and everything is in there for you if you do wanna have a read over them. Yep. The next one is can you see a super and insurance summary one? Yep. Perfect. So if you open that one for me, you can see your Netwealth Super, and it shows you as well the balance of 193,105. And then underneath that, you have your Neos insurances. So you have your life and total permanent disability insurance. That is 654,604. And then you also have an income protection policy, and that will pay sorry. Let me see. My documents just went out for me. It will pay 1,025 a month with a thirty day waiting period and a five year benefit period. All those threes are paid from within superannuation. You get a 15% tax rebate. So after that, the total premium is 1,425. Now now with your insurances, because your income has gone up quite a bit from when, obviously, we took out your policy, your income protection, you are you could be covered for more if you wanted to. Okay. Yeah. Perfect. Because if you did wanna increase it, it would mean in the insurance eye, you would have to take on more risk. You'd have to go through the underwriting process again, and then the insurances will get more expensive because you have more cover. So I will leave that all for now, which is good. Now the other one is the Vanguard index chart. Can you see this one okay? Yes. Should be like the first one. 2025 Vanguard index chart. Yep. Sorry. You may have seen this one before, but it is a good visual representation of what we are talking about when we are typically talking about the market. So you can kind of see here that dates back all through 1995 and then through all the ups and downs of the market. So when you have a look at it, you will see that over the long term, the market always goes up. But short term, there will be some ups and downs and market fluctuations depending on what is going on as well. So it is a good way to kind of see it long term. And sorry. It's different asset classes. So at the moment so yeah. So kind of referring back to how your super is invested to relate it is that in that high growth portfolio, you have about 90% invested in top four. That is your US shares, Australian shares, international shares, and property. That includes your growth investments. So they are the one that obviously grows the most but also fluctuates the most. And then you have about 10% in defensive, which would be those bottom three. Does that make sense? Perfect. Now the last attachment would then be your asset performance detail. Can you see that one okay? Yep. It should be the one that has all the yeah. So this one can look a little bit messy, especially if you are looking at a phone, if it's a little bit small. But it's perfect. There you go. So this one here breaks down all your investments. So you can see all your individual investments listed here and then how they have performed over the last twelve months. So this one here ranges from the 03/02/2025 to the 03/01/2026 when we put together this document for you, which shows you all your individual investments and how they have performed after fees. Now did you also get our email with the record of advice outlining the investment change? Did you have a look at that one at all? Yes. Let me see. It was on the March 13. Yeah. It's just for your reference. You don't need to sign it or anything, but it is just your reference essentially to say that the investment committee have done a lot of research on, obviously, investments and everything like that. There is a lot that has happened and changed in the world and have made a decision to swap out one of your investments, and that is the Benelon Australian Equities, which you can see on the document here. Now that one here was originally added to your portfolio. It is an active, managed fund with the purpose of trying to actively buy and sell investments in order to try to outperform the market. So when this one was added to your portfolio, it was doing really well. It was one of the top performing fund managers at the time as well, and it has done really well up until recently. More recently, they have underperformed a little bit. Some of some of the reasons has been that they have made a couple of high convictions on stocks that they think are going to do really well, which hasn't really played out. And then one of the investments that they also had in their portfolio was the corporate travel group. I'm not sure if you've seen or read anything, but they had a bit of issues with reporting, which meant that they had to cease that they were basically suspended from trading for a while because of it, which saw everything drop down and fluctuate. So that one is, like I said, has underperformed. So the investment committee and everything after researching all the investment made the decision that we don't foresee that kind of coming back around and doing well in the future. So we have swapped swapped it out for an alternative. All this is in that email as well if you do wanna go and obviously read on it because it is a lot to take in. But, essentially, we have swapped it for the BetaShares Australia two hundred. So, obviously, the portfolio we wanna keep a consistent asset class wise. We don't wanna have you too much in just one industry or sector. So by swapping out an Australian investment, we wanna include another Australian investment for you, which is that Australian 200. So that one just basically tracks the 200 largest companies listed on the ASX. So it is a little bit cheaper than the Australian Equity and has performed a little bit better. So we have made the decision to swap that one out for you. Do you have any questions with that? Yes. Correct. Yes. And by obviously, when you do sell the different investments as well, that can be capital gains tax, which, obviously, because the Benelon was down, we can then kind of offset that so you didn't have to pay, you know, tax on earnings and stuff like that. So it worked out pretty well, but, essentially, what you said was exactly right. So that's why we made that change. And we do foresee that moving forward, it's going to be a little bit better. Now, obviously, you don't know what's going to happen in the world and markets and a lot of lot of changes the last twelve months, but that was as you have a look at your portfolio, that was the biggest kind of contributor to the portfolio kind of underperforming a little bit over the last twelve months, which you can see here if you look at that return per portfolio column, the second to the right. Can you see that one? Yes. After fees. Yes. Correct. Yes. And in a high growth portfolio as well, because, obviously, going back to that Vanguard graft, there are years where things are going to do really well, and then there's some years where it's going to be a bit negative as well. So in a high growth, typically speaking, we see the likelihood of a negative return is about one in every five years. Again, it depends kind of what is going on in the market and everything like that. So from, obviously, when you came on board and what's happened, it's not unexpected because we are investing in your high growth investments in trying to maximize that growth. And part of the long term is that sometimes there will be at times when it's not so good, and then other years, it will be a lot better. So likelihood of that negative return is about one in every five years in a high growth portfolio, which does kind of, you know, align with what's happened to your portfolio as well. Yeah. Now as you do also look at the other investments, you can see kind of how all of them have performed. Like we said, Ben, along, we did swap out for you. You can see that the other one that was down is your BetaShares Global Cybersecurity. That one is more of a cyclical investment. There's obviously a lot that's changing in the AI cybersecurity world, but we still think it's going to be a good investment long term. So we're not too concerned of wanting to swap that one out yet because it has also in the last couple of years done really well. So Fenelon didn't have the same conviction. But you can then also see that kind of the other investments, despite there being a bit of fluctuations, you can even see that the Europe investment was up by 14.95%. The Meskewold, 17. You have Japan, Let me see here. At about 23. So overall, the reason why, obviously, the portfolio was predominantly not so good was that you did have quite a bit in your Bennelong investment, which is the one that we've swapped out for you now. Yep. Does that make sense? I know it's probably a lot to kind of Yeah. Yep. Okay. Perfect. Now that was basically all of the investments. Now also the return that's returned on the investment. So, obviously, if you have contributions going, this doesn't factor that in. So that is just the return on the investment after fee. Yep. Perfect. Now if you then wanna click on the link for me, I will just kind of talk you through the two documents that we'll need you to sign if you are comfortable to do so. But if you can click on the link, then I can show you the documents first. And there should be two. Now can you see the one where it says Netwealth advice fee consent? Yeah. Perfect. Now this is your ongoing service agreement. So that is if you are happy to stay on as a client. We'll just need you to sign this document to say that we can obviously keep servicing your account. There is no lock in contract. So if at any point in time you are not happy with the service or you wanna go elsewhere, there is no lock in contract whatsoever. This just allows us to service you until the next unreview unless you decide to cancel before then. And then, obviously, you'd have to sign another ongoing agreement if you then wanna sign stay on board. The fee itself is not changing. It's staying exactly the same at 1.65%, just from superannuation. Any questions with that? Exactly. So it's saying exactly the same at 1.65. It hasn't increased or changed at all. Yep. Any questions with that? No. Perfect. And then your last one is your there's a compliance document. Just to say that we are keeping your tax file number secure on file, essentially. Now those two documents are the ones that we'll need you to sign if you are happy to stay on board. If you wanna take some time to obviously read through the document, by all means, you're more than welcome to do so. But, otherwise, we do need you to sign those documents when you have a moment. We'll get notified when it comes through, and then we can get that all uploaded for you. In the meantime, like I said, I will get working on those figures for you and email that through to show you that if you, you know, didn't come on board where things would have been with us super, and I'll add all those disclaimers and everything like that into the email for you. Yep. Now do you have any questions, or what are your thoughts on everything before I let you go and enjoy the rest of your afternoon? Yep. Mhmm. Yeah. Yeah. Yeah. Yep. Yeah. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Daunting. Yeah. And, you know, I completely understand that as well. And, you know, with if it was consistently going down over time, then there's obviously something structural with the investments, and I would totally, totally get that. When I look, obviously, at the portfolio through time, it is expected to have that likelihood negative year, but, obviously, we want you to be comfortable. So I'm more than happy to do this or super comparison for you. What I can do as well is it's super easy to draw the report. So what I can do is I can, with that email, actually send you the yearly report from when you came on board so you can see kind of, okay. Well, how has everything gone each year? So then you can also see that, you know, there are a bit of fluctuations, but also each year overall, if that would still put you in a better position even though this year wasn't as great, if the other years are still kind of putting that forward by more. Does that make sense? Yeah. Would you would you would that would that be helpful if I send you those reports as well? Yeah. Perfect. Obviously, the other thing to obviously, be mindful of when it comes to comparing different superannuations is how your money is invested, but then also, obviously, employee contributions and then how much how much he would potentially have because it compounds and obviously compare the return, which I'm sure you would do then, like, obviously, the the increase in the dollar value because the more you have, the more it compounds and grows quicker, if that makes sense. Yeah. Perfect. Alright. What I'll do is I will get this document for you. I'll email that Australian super comparison. I will send you the yearly reports as well. Now would you like me to give you a call in, like, a week or two once you've had a read through it to see how you feel, if you have any questions, what your thoughts are? Yeah? Now when is normally a good time for you? Okay. Perfect. Now I do have some availability in next Thursday. That is about 02:30. Do you think that would be okay, or would you want, like, another week after that? Yep. Okay. I could do 10:00. Yeah. Okay. Perfect. So I'll book that in on Thursday, the March 26 at 10AM. If you have any questions or concerns before then, by all means, you can always give me a call and send me an email. Otherwise, I will tryna get that reports and everything through you by end of business day tomorrow to give you some time to obviously have a read through everything, have a think about it, and then you can obviously let me know if you have any other concerns and what your thoughts are on Thursday next week. Yep. Yeah. Perfect. So I can either get someone to contact Netwealth on your behalf and get Netwealth to call you. Because of because of privacy, we can't do it. I can get Netwealth to call you, or if you want to call Netwealth yourself and request access. It's whatever is easiest for you. Yeah. Yeah. Perfect. I will get the team to call Netwealth and get Netwealth to give you a call. If they haven't given you a call in a day or two, even just let me know, and I'll see if I can follow-up with them. But it depends also, you know, their backlog and stuff. But I'll make a little note here as well to touch base at least next Thursday to see if someone from Netwealth actually called you and if you were able to get into your account as well. Yeah. No. That's okay. Do you have any other questions for me at this point otherwise before I let you go? No? No. Alright. Perfect. Well, thank you so much for your time today, and I hope you enjoy the rest of your afternoon. And I look forward to speaking with you next Thursday. Mhmm. No problem. We'll speak soon. 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afternoon, Candice. This is Veronica from Oakview Financial. How are you? Oakview Financial? Yeah.\n\nGood. How are you? I had you booked in to complete your annual review. Is now still a good time for you? Yes.\n\nOkay. I'll try to be a bit quick if you are a little bit short for time. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nAddress and date of birth, please. Yep. Perfect. That's exactly what I have here. Now but before I do kind of jump into the annual review, I'd like to always start by asking, if there is anything specific you are wanting me to address today or for that you're hoping to get out of the review or whether it's just just the yellow catch up?\n\nMhmm. I can go back and have a look for you. Just bear with me. It's just wait. I'm just opening it up now just to software is being a little bit slower than PDF.\n\nSo I will know in a second. I can definitely because, obviously, it takes it takes a little bit to, obviously, do all the math and calculation to see that, obviously, like, exactly where you would be. But if you if you want me to, I'm happy to get the team to pull all the figures together and email it to you to see where things would have been if you didn't come on board, or is it a matter of what was the last, you know, twelve months with Australia through for a bit of both? Yep. Yep.\n\nYep. Yep. And that makes sense. Obviously, you wanna make sure that, you know, if you're paying a little bit more for for fees, you're getting the service and that in in turn, you are getting the returns and everything like that. So I can definitely go back and do that for you.\n\nNow when I email it through, because there are obviously a couple of that's changed for you so that I can make it the most, I guess, apple to apple comparison. So in your Australian super, you had insurances at the time. So would you like me to assume that you had those insurances and those premiums stayed the same for the whole time? Now they obviously will change, but it's a bit tricky to forecast five years worth of insurance premium premium. Yeah.\n\nYeah. Yep. Okay. Yep. Just do that.\n\nOkay. Yep. And what I can do to make it as, you know, like for like is I can then assume because your premium at the time was $299.04. I'll put some disclaimers in there, but I can then assume same insurance across both to give you a bit more accurate of just your super, how that would have changed. Does that make sense?\n\nYep. So then you can see purely just from a superannuation growth perspective. Yeah. Alright. Perfect.\n\nI can definitely do that. It might be by end of tomorrow, if that's okay. Yes. Yeah. Perfect.\n\nI'll get that email through there. When you do have a look at it, if you have any questions or concerns or anything, just let me know. But, otherwise, I'll add, you know, any disclaimers that we've made in regards to it, so that you can obviously see. And let me see here. At the time, your income probably was a little bit different.\n\nSo your income at the time was 40,000. What is it today? Yes, please. Okay. Perfect.\n\nSo what I can do then again because it's it obviously, the more income you earn, the more employee contributions you're gonna earn, the more it's gonna compound and change. So would you like me to assume your income was for 40,000? Because that's what it was at the time, staying consistent until today, showing that both with your current Subaru and have 24, or would you like me to assume a 104, or what would you prefer? Yeah. Yes.\n\nYes. I can definitely do that. Yeah. So, obviously, it would have changed slightly then, like, if you stayed in in Australian Super because at the time, your income obviously wasn't a 104, so you wouldn't get as much return, and it wouldn't compound as much. But I can at least give you a bit of a a bit of an understand understanding.\n\nYeah. Yeah. Yes. Correct. Yes.\n\nThe same. Yep. Yep. Perfect. Yeah.\n\nAnd, again, I'll put this claim as underneath it to say assuming income of a 104, both scenarios, assuming same premiums, both scenarios so that you can see more clearly what the changes would have been. Yeah. Okay. Perfect. Aside from from that, is there any other, like, concerns or questions otherwise that you have that you want me to address or just to kind of run through things?\n\nYes. The Authenticator app and stuff. Yep. No. That's okay.\n\nI have actually sent you an email with some information to run through, which shows you where everything is at at the moment as well. But before I kind of jump into that, I do wanna just quickly run through a bit of an updated fact find review just to see if there's been any major changes that would need us to make any changes to your advice. So I will try to run through this as quickly as I can for you if you are a little bit short for time, so just bear with me. Now when it comes to your personal information, I have you down here as married with four financial dependents. Is that correct?\n\nYep. Perfect. I do have next of kin as John, phone number ending 645. That's still the case? Yep.\n\nPerfect. And I've updated your income already. Any changes to your occupation otherwise or just a bit of a buffer in income? No. Doing the same.\n\nYep. Perfect. So is it still part time or full time or a bit of a combination? Full time. Okay.\n\nPerfect. And your employer, they're still paid 12% employee contributions into super? Yes. Great. Aside from, obviously, employer contributions, are you making any additional contributions into super?\n\nNo. No. Perfect. Now asset and liabilities wise, I'll just confirm what I have here, and just let me know if anything has changed. But I have here that your main property was last valued at about 2.5 mill.\n\nYep. Perfect. Mortgage of about 1,030,000. Perfect. Now I do have here as well two investment properties at one in Narrabeen.\n\nYeah. About about $9.50. Yeah. 1,000,000. Perfect.\n\nAnd then I also have that the mortgage is about 600,000. Perfect. And then you also have another property in Sydney of about 1.5? Yes. Okay.\n\nSo you've sold that property. And are you thinking of buying another one or not really? Nope. Perfect. Do you also have your motor vehicle, by the about 60,000?\n\nYes. Yes. 45. Perfect. And you don't have anything owing on that one, do you?\n\nNo. Perfect. And then I also have an offset account that's split with your husband of about a 130,000. Okay. Perfect.\n\nAnd then kind of looking at doing some house renovation. Perfect. Any other new assets that we haven't gone through that's changed over the last twelve months? No. Perfect.\n\nNo other liabilities like personal loans, credit cards, ZipPay? No. Perfect. Health and lifestyle wise, are you a smoker? Alright.\n\nPerfect. Any changes to your health in the last twelve months otherwise? No. Perfect. Do you have private health insurance?\n\nYep. Perfect. And lastly, just estate planning wise, do you have a will in place? Yep. Perfect.\n\nAnd that's pretty up to date. Oh, great. Perfect. Do you know if you made a nomination for power of attorney when you got the will as well? No.\n\nThat's alright. But you don't have anyone otherwise who makes any financial decisions on your behalf? Alright. Great. So that was all of the personal information.\n\nWhen it comes to, I guess, goals and stuff that you are working on for the next twelve months. Now last time when we did do your under review, you were kind of focusing on putting aside some money to start some house renovations. You kind of mentioned that that's still kind of a goal for yourself. Is there is there anything else that you're working through that you're wanting to achieve financially or nonfinancially over the next twelve months? Mhmm.\n\nYep. Yes. Yep. Okay. Perfect.\n\nYeah. Oh, that's nice. Now the other thing I do wanna quickly run through with you is just an updated risk profile questionnaire, and that is just to see if we need to make any changes to your investment portfolio otherwise with your super. So there is no right or wrong answers. It's just whatever you feel is the most appropriate for you, And it is in regards to your superannuation.\n\nSo if it doesn't make sense, let me know because some of them yep. Sorry? Yep. Perfect. Now, Candice, have you ever made direct shares yourself?\n\nBought direct shares, like, on the stock market and stuff like that? Yes. Yeah. No. Perfect.\n\nYes. Do you yep. No. It definitely counts. Do you still have a little, like, share portfolio there?\n\nYeah. Do you know how much you have roughly? Oh, it's still an asset. So I'll just change that up. That's good.\n\nNow let me see here. Otherwise, I guess, when it comes to accessing superannuation, I have here that, you're planning on accessing super at the age of 60. Is that still the plan? Yep. Well, that is the earliest you can currently at least with the legislation.\n\nIf you stop working, it is at 60. You can take it tax free. Now, otherwise, when it comes to how much risk you are willing to take in regards to your superannuation, Are you willing to take, you know, very high risk, high risk moderate, or a small amount of risk in order to kinda keep up pace, you know, with inflation and increase in prices? High risk? Yeah.\n\nPerfect. And if you, after six months of placing an investment, found out that your portfolio has decreased in value by 20%, would you if you had the option to do so, I think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold and wait to see what happens, or would you want to shift to a more secure asset? So that means the other selling when the prices have already dropped. The first one. Perfect.\n\nNow next one is in regards to superannuation dropping in value. So if you ever noticed your superannuation fluctuate and drop in value over to the last twelve months, we've seen a bit of fluctuation with everything going on in the world in the last twelve months. If it was something that you did notice, would you say that you would feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, or that would make you feel quite concerned? So yeah. Perfect.\n\nAnd the last one is, would you ever consider taking out a loan to invest on the stock market? No. No. Perfect. So just kind of investment property is kind of where taking out a a loan would be where you would be comfortable with.\n\nYep. No. Perfect. Now that tells me here that from a risk profile point of view, you have come out as a high growth investor, which is the portfolio that we currently have you invested in. Do you remember what a high growth investor is?\n\nYeah. So, essentially, it means someone you know, you are willing to see a bit of fluctuations in the short term in order to kinda maximize growth in the long term when we are thinking of a time frame as well. So making sure that you have enough time in the market because, typically, we see about 90% invested in your growth assets. So these will be things like Australian shares, international shares, property, and commodities, which is going to maximize that growth for you. And then you have about 10% in more defensive investments, like your cash, your gold, your fixed interest.\n\nWe're trying to limit fluctuations a little bit. Time frame side of it, we do typically want to allow at least eight years until retirement because you do see a bit of fluctuations in the short term in order to kinda grow it in the long term. Are you still comfortable with a high growth portfolio, or has your risk tolerance or anything changed? Yep. Okay.\n\nPerfect. Now do you have access to your emails at the moment? Yep. Perfect. So what I have done is I have sent you an email, with a couple of attachments just to run through, quickly with you, then we're all finished for today.\n\nIf you are able to access those for me. It can also end in the spam folder because yes. Yes, please. Yep. That's the one.\n\nSo before you click on the link, because that will ask you to sign the documents that needs signing. But before you click on it, if you scroll down, you will see a couple of attachments. Can you see those? Yep. Perfect.\n\nNow the one that says Oakview services guide version one and Oakview financial services guide version four, I will let you have a read over those in your own time. It's one of those compliance documents you would have seen before. It is just an updated financial services guide. So, basically, everything that you need to know about us is all in them. We've had some changes to our marketing, which is great, and a bit of extension to the team.\n\nSo, basically, everything about the team, all our advisers, and everything is in there for you if you do wanna have a read over them. Yep. The next one is can you see a super and insurance summary one? Yep. Perfect.\n\nSo if you open that one for me, you can see your Netwealth Super, and it shows you as well the balance of 193,105. And then underneath that, you have your Neos insurances. So you have your life and total permanent disability insurance. That is 654,604. And then you also have an income protection policy, and that will pay sorry.\n\nLet me see. My documents just went out for me. It will pay 1,025 a month with a thirty day waiting period and a five year benefit period. All those threes are paid from within superannuation. You get a 15% tax rebate.\n\nSo after that, the total premium is 1,425. Now now with your insurances, because your income has gone up quite a bit from when, obviously, we took out your policy, your income protection, you are you could be covered for more if you wanted to. Okay. Yeah. Perfect.\n\nBecause if you did wanna increase it, it would mean in the insurance eye, you would have to take on more risk. You'd have to go through the underwriting process again, and then the insurances will get more expensive because you have more cover. So I will leave that all for now, which is good. Now the other one is the Vanguard index chart. Can you see this one okay?\n\nYes. Should be like the first one. 2025 Vanguard index chart. Yep. Sorry.\n\nYou may have seen this one before, but it is a good visual representation of what we are talking about when we are typically talking about the market. So you can kind of see here that dates back all through 1995 and then through all the ups and downs of the market. So when you have a look at it, you will see that over the long term, the market always goes up. But short term, there will be some ups and downs and market fluctuations depending on what is going on as well. So it is a good way to kind of see it long term.\n\nAnd sorry. It's different asset classes. So at the moment so yeah. So kind of referring back to how your super is invested to relate it is that in that high growth portfolio, you have about 90% invested in top four. That is your US shares, Australian shares, international shares, and property.\n\nThat includes your growth investments. So they are the one that obviously grows the most but also fluctuates the most. And then you have about 10% in defensive, which would be those bottom three. Does that make sense? Perfect.\n\nNow the last attachment would then be your asset performance detail. Can you see that one okay? Yep. It should be the one that has all the yeah. So this one can look a little bit messy, especially if you are looking at a phone, if it's a little bit small.\n\nBut it's perfect. There you go. So this one here breaks down all your investments. So you can see all your individual investments listed here and then how they have performed over the last twelve months. So this one here ranges from the 03/02/2025 to the 03/01/2026 when we put together this document for you, which shows you all your individual investments and how they have performed after fees.\n\nNow did you also get our email with the record of advice outlining the investment change? Did you have a look at that one at all? Yes. Let me see. It was on the March 13.\n\nYeah. It's just for your reference. You don't need to sign it or anything, but it is just your reference essentially to say that the investment committee have done a lot of research on, obviously, investments and everything like that. There is a lot that has happened and changed in the world and have made a decision to swap out one of your investments, and that is the Benelon Australian Equities, which you can see on the document here. Now that one here was originally added to your portfolio.\n\nIt is an active, managed fund with the purpose of trying to actively buy and sell investments in order to try to outperform the market. So when this one was added to your portfolio, it was doing really well. It was one of the top performing fund managers at the time as well, and it has done really well up until recently. More recently, they have underperformed a little bit. Some of some of the reasons has been that they have made a couple of high convictions on stocks that they think are going to do really well, which hasn't really played out.\n\nAnd then one of the investments that they also had in their portfolio was the corporate travel group. I'm not sure if you've seen or read anything, but they had a bit of issues with reporting, which meant that they had to cease that they were basically suspended from trading for a while because of it, which saw everything drop down and fluctuate. So that one is, like I said, has underperformed. So the investment committee and everything after researching all the investment made the decision that we don't foresee that kind of coming back around and doing well in the future. So we have swapped swapped it out for an alternative.\n\nAll this is in that email as well if you do wanna go and obviously read on it because it is a lot to take in. But, essentially, we have swapped it for the BetaShares Australia two hundred. So, obviously, the portfolio we wanna keep a consistent asset class wise. We don't wanna have you too much in just one industry or sector. So by swapping out an Australian investment, we wanna include another Australian investment for you, which is that Australian 200.\n\nSo that one just basically tracks the 200 largest companies listed on the ASX. So it is a little bit cheaper than the Australian Equity and has performed a little bit better. So we have made the decision to swap that one out for you. Do you have any questions with that? Yes.\n\nCorrect. Yes. And by obviously, when you do sell the different investments as well, that can be capital gains tax, which, obviously, because the Benelon was down, we can then kind of offset that so you didn't have to pay, you know, tax on earnings and stuff like that. So it worked out pretty well, but, essentially, what you said was exactly right. So that's why we made that change.\n\nAnd we do foresee that moving forward, it's going to be a little bit better. Now, obviously, you don't know what's going to happen in the world and markets and a lot of lot of changes the last twelve months, but that was as you have a look at your portfolio, that was the biggest kind of contributor to the portfolio kind of underperforming a little bit over the last twelve months, which you can see here if you look at that return per portfolio column, the second to the right. Can you see that one? Yes. After fees.\n\nYes. Correct. Yes. And in a high growth portfolio as well, because, obviously, going back to that Vanguard graft, there are years where things are going to do really well, and then there's some years where it's going to be a bit negative as well. So in a high growth, typically speaking, we see the likelihood of a negative return is about one in every five years.\n\nAgain, it depends kind of what is going on in the market and everything like that. So from, obviously, when you came on board and what's happened, it's not unexpected because we are investing in your high growth investments in trying to maximize that growth. And part of the long term is that sometimes there will be at times when it's not so good, and then other years, it will be a lot better. So likelihood of that negative return is about one in every five years in a high growth portfolio, which does kind of, you know, align with what's happened to your portfolio as well. Yeah.\n\nNow as you do also look at the other investments, you can see kind of how all of them have performed. Like we said, Ben, along, we did swap out for you. You can see that the other one that was down is your BetaShares Global Cybersecurity. That one is more of a cyclical investment. There's obviously a lot that's changing in the AI cybersecurity world, but we still think it's going to be a good investment long term.\n\nSo we're not too concerned of wanting to swap that one out yet because it has also in the last couple of years done really well. So Fenelon didn't have the same conviction. But you can then also see that kind of the other investments, despite there being a bit of fluctuations, you can even see that the Europe investment was up by 14.95%. The Meskewold, 17. You have Japan, Let me see here.\n\nAt about 23. So overall, the reason why, obviously, the portfolio was predominantly not so good was that you did have quite a bit in your Bennelong investment, which is the one that we've swapped out for you now. Yep. Does that make sense? I know it's probably a lot to kind of Yeah.\n\nYep. Okay. Perfect. Now that was basically all of the investments. Now also the return that's returned on the investment.\n\nSo, obviously, if you have contributions going, this doesn't factor that in. So that is just the return on the investment after fee. Yep. Perfect. Now if you then wanna click on the link for me, I will just kind of talk you through the two documents that we'll need you to sign if you are comfortable to do so.\n\nBut if you can click on the link, then I can show you the documents first. And there should be two. Now can you see the one where it says Netwealth advice fee consent? Yeah. Perfect.\n\nNow this is your ongoing service agreement. So that is if you are happy to stay on as a client. We'll just need you to sign this document to say that we can obviously keep servicing your account. There is no lock in contract. So if at any point in time you are not happy with the service or you wanna go elsewhere, there is no lock in contract whatsoever.\n\nThis just allows us to service you until the next unreview unless you decide to cancel before then. And then, obviously, you'd have to sign another ongoing agreement if you then wanna sign stay on board. The fee itself is not changing. It's staying exactly the same at 1.65%, just from superannuation. Any questions with that?\n\nExactly. So it's saying exactly the same at 1.65. It hasn't increased or changed at all. Yep. Any questions with that?\n\nNo. Perfect. And then your last one is your there's a compliance document. Just to say that we are keeping your tax file number secure on file, essentially. Now those two documents are the ones that we'll need you to sign if you are happy to stay on board.\n\nIf you wanna take some time to obviously read through the document, by all means, you're more than welcome to do so. But, otherwise, we do need you to sign those documents when you have a moment. We'll get notified when it comes through, and then we can get that all uploaded for you. In the meantime, like I said, I will get working on those figures for you and email that through to show you that if you, you know, didn't come on board where things would have been with us super, and I'll add all those disclaimers and everything like that into the email for you. Yep.\n\nNow do you have any questions, or what are your thoughts on everything before I let you go and enjoy the rest of your afternoon? Yep. Mhmm. Yeah. Yeah.\n\nYeah. Yep. Yeah. Mhmm. Yeah.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Daunting. Yeah.\n\nAnd, you know, I completely understand that as well. And, you know, with if it was consistently going down over time, then there's obviously something structural with the investments, and I would totally, totally get that. When I look, obviously, at the portfolio through time, it is expected to have that likelihood negative year, but, obviously, we want you to be comfortable. So I'm more than happy to do this or super comparison for you. What I can do as well is it's super easy to draw the report.\n\nSo what I can do is I can, with that email, actually send you the yearly report from when you came on board so you can see kind of, okay. Well, how has everything gone each year? So then you can also see that, you know, there are a bit of fluctuations, but also each year overall, if that would still put you in a better position even though this year wasn't as great, if the other years are still kind of putting that forward by more. Does that make sense? Yeah.\n\nWould you would you would that would that be helpful if I send you those reports as well? Yeah. Perfect. Obviously, the other thing to obviously, be mindful of when it comes to comparing different superannuations is how your money is invested, but then also, obviously, employee contributions and then how much how much he would potentially have because it compounds and obviously compare the return, which I'm sure you would do then, like, obviously, the the increase in the dollar value because the more you have, the more it compounds and grows quicker, if that makes sense. Yeah.\n\nPerfect. Alright. What I'll do is I will get this document for you. I'll email that Australian super comparison. I will send you the yearly reports as well.\n\nNow would you like me to give you a call in, like, a week or two once you've had a read through it to see how you feel, if you have any questions, what your thoughts are? Yeah? Now when is normally a good time for you? Okay. Perfect.\n\nNow I do have some availability in next Thursday. That is about 02:30. Do you think that would be okay, or would you want, like, another week after that? Yep. Okay.\n\nI could do 10:00. Yeah. Okay. Perfect. So I'll book that in on Thursday, the March 26 at 10AM.\n\nIf you have any questions or concerns before then, by all means, you can always give me a call and send me an email. Otherwise, I will tryna get that reports and everything through you by end of business day tomorrow to give you some time to obviously have a read through everything, have a think about it, and then you can obviously let me know if you have any other concerns and what your thoughts are on Thursday next week. Yep. Yeah. Perfect.\n\nSo I can either get someone to contact Netwealth on your behalf and get Netwealth to call you. Because of because of privacy, we can't do it. I can get Netwealth to call you, or if you want to call Netwealth yourself and request access. It's whatever is easiest for you. Yeah.\n\nYeah. Perfect. I will get the team to call Netwealth and get Netwealth to give you a call. If they haven't given you a call in a day or two, even just let me know, and I'll see if I can follow-up with them. But it depends also, you know, their backlog and stuff.\n\nBut I'll make a little note here as well to touch base at least next Thursday to see if someone from Netwealth actually called you and if you were able to get into your account as well. Yeah. No. That's okay. Do you have any other questions for me at this point otherwise before I let you go?\n\nNo? No. Alright. Perfect. Well, thank you so much for your time today, and I hope you enjoy the rest of your afternoon.\n\nAnd I look forward to speaking with you next Thursday. Mhmm. No problem. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Candice.","start":2.32,"end":3.36,"sentiment":"positive","sentiment_score":0.3434336185455322},{"text":"This is Veronica from Oakview Financial.","start":3.36,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.1871591011683146},{"text":"How are you?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.13722242414951324},{"text":"Oakview Financial?","start":9.679999,"end":10.82,"sentiment":"neutral","sentiment_score":-0.003193996846675873},{"text":"Yeah.","start":13.215,"end":13.535,"sentiment":"neutral","sentiment_score":0.11407151818275452}],"sentiment":"neutral","sentiment_score":0.1781737506389618,"num_words":15,"start":2.32,"end":13.535},{"sentences":[{"text":"Good.","start":13.535,"end":13.775001,"sentiment":"neutral","sentiment_score":0.2975999414920807},{"text":"How are you?","start":13.775001,"end":14.675,"sentiment":"neutral","sentiment_score":0.1723403682311376},{"text":"I had you booked in to complete your annual review.","start":17.215,"end":19.775,"sentiment":"positive","sentiment_score":0.4279311090707779},{"text":"Is now still a good time for you?","start":19.775,"end":21.555,"sentiment":"positive","sentiment_score":0.36354390904307365},{"text":"Yes.","start":23.695,"end":24.195,"sentiment":"neutral","sentiment_score":0.1095818132162094}],"sentiment":"positive","sentiment_score":0.35268979228061176,"num_words":23,"start":13.535,"end":24.195},{"sentences":[{"text":"Okay.","start":24.32,"end":24.64,"sentiment":"neutral","sentiment_score":0.08796779811382294},{"text":"I'll try to be a bit quick if you are a little bit short for time.","start":24.64,"end":27.38,"sentiment":"neutral","sentiment_score":-0.00957838527392596},{"text":"But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":28.4,"end":35.62,"sentiment":"neutral","sentiment_score":0.025111975148320198},{"text":"Perfect.","start":37.935,"end":38.435,"sentiment":"positive","sentiment_score":0.41971611976623535},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":38.575,"end":45.315002,"sentiment":"neutral","sentiment_score":0.09230014380927269}],"sentiment":"neutral","sentiment_score":0.04801901106515692,"num_words":72,"start":24.32,"end":45.315002},{"sentences":[{"text":"Address and date of birth, please.","start":54.75,"end":56.53,"sentiment":"neutral","sentiment_score":0.006157441375156243},{"text":"Yep.","start":64.125,"end":64.445,"sentiment":"neutral","sentiment_score":0.11060225963592528},{"text":"Perfect.","start":64.445,"end":64.925,"sentiment":"positive","sentiment_score":0.4413912892341614},{"text":"That's exactly what I have here.","start":64.925,"end":66.865,"sentiment":"positive","sentiment_score":0.4636036703983943},{"text":"Now but before I do kind of jump into the annual review, I'd like to always start by asking, if there is anything specific you are wanting me to address today or for that you're hoping to get out of the review or whether it's just just the yellow catch up?","start":67.485,"end":79.97,"sentiment":"neutral","sentiment_score":-0.04163094131531669}],"sentiment":"neutral","sentiment_score":0.019190495575849828,"num_words":65,"start":54.75,"end":79.97},{"sentences":[{"text":"Mhmm.","start":89.805,"end":90.305,"sentiment":"neutral","sentiment_score":-0.00968898180872202},{"text":"I can go back and have a look for you.","start":110.954994,"end":113.454994,"sentiment":"neutral","sentiment_score":0.006173410452902317},{"text":"Just bear with me.","start":113.91499,"end":115.454994,"sentiment":"neutral","sentiment_score":-0.03979779686778784},{"text":"It's just wait.","start":125.77,"end":126.729996,"sentiment":"neutral","sentiment_score":-0.12500130633513132},{"text":"I'm just opening it up now just to software is being a little bit slower than PDF.","start":126.729996,"end":131.23,"sentiment":"neutral","sentiment_score":-0.24283228288678563}],"sentiment":"neutral","sentiment_score":-0.13172282265233143,"num_words":35,"start":89.805,"end":131.23},{"sentences":[{"text":"So I will know in a second.","start":131.93,"end":134.83,"sentiment":"neutral","sentiment_score":-0.08650848269462585},{"text":"I can definitely because, obviously, it takes it takes a little bit to, obviously, do all the math and calculation to see that, obviously, like, exactly where you would be.","start":136.875,"end":148.255,"sentiment":"neutral","sentiment_score":0.3029749676585197},{"text":"But if you if you want me to, I'm happy to get the team to pull all the figures together and email it to you to see where things would have been if you didn't come on board, or is it a matter of what was the last, you know, twelve months with Australia through for a bit of both?","start":148.97,"end":168.045,"sentiment":"positive","sentiment_score":0.33369248459736506},{"text":"Yep.","start":171.545,"end":172.045,"sentiment":"neutral","sentiment_score":0.27650186419487},{"text":"Yep.","start":191.895,"end":192.395,"sentiment":"positive","sentiment_score":0.384857714176178}],"sentiment":"neutral","sentiment_score":0.29461210409198146,"num_words":99,"start":131.93,"end":192.395},{"sentences":[{"text":"Yep.","start":201.93,"end":202.43,"sentiment":"neutral","sentiment_score":0.30222785472869873},{"text":"Yep.","start":204.65,"end":205.05,"sentiment":"neutral","sentiment_score":0.25499218702316284},{"text":"And that makes sense.","start":205.05,"end":206.01,"sentiment":"neutral","sentiment_score":0.282491073012352},{"text":"Obviously, you wanna make sure that, you know, if you're paying a little bit more for for fees, you're getting the service and that in in turn, you are getting the returns and everything like that.","start":206.01,"end":214.89499,"sentiment":"neutral","sentiment_score":0.22205393181906807},{"text":"So I can definitely go back and do that for you.","start":215.11499,"end":220.33499,"sentiment":"positive","sentiment_score":0.6018826961517334}],"sentiment":"neutral","sentiment_score":0.30758180258409035,"num_words":53,"start":201.93,"end":220.33499},{"sentences":[{"text":"Now when I email it through, because there are obviously a couple of that's changed for you so that I can make it the most, I guess, apple to apple comparison.","start":221.67499,"end":231.57,"sentiment":"neutral","sentiment_score":0.21398863388646033},{"text":"So in your Australian super, you had insurances at the time.","start":232.59001,"end":237.33,"sentiment":"neutral","sentiment_score":0.030880378559231758},{"text":"So would you like me to assume that you had those insurances and those premiums stayed the same for the whole time?","start":238.91,"end":246.33499,"sentiment":"neutral","sentiment_score":0.03365201765502041},{"text":"Now they obviously will change, but it's a bit tricky to forecast five years worth of insurance premium premium.","start":246.475,"end":254.015,"sentiment":"neutral","sentiment_score":-0.06915888494174731},{"text":"Yeah.","start":261.78,"end":262.28,"sentiment":"neutral","sentiment_score":0.005152230616658926}],"sentiment":"neutral","sentiment_score":0.07624773356863963,"num_words":84,"start":221.67499,"end":262.28},{"sentences":[{"text":"Yeah.","start":266.42,"end":266.92,"sentiment":"neutral","sentiment_score":0.02953573316335678},{"text":"Yep.","start":268.85498,"end":269.35498,"sentiment":"positive","sentiment_score":0.6301784515380859},{"text":"Okay.","start":274.85498,"end":275.35498,"sentiment":"neutral","sentiment_score":0.04821504279971123},{"text":"Yep.","start":278.29498,"end":278.79498,"sentiment":"neutral","sentiment_score":0.05656023323535919},{"text":"Just do that.","start":279.59,"end":280.47,"sentiment":"neutral","sentiment_score":0.03276019232968489}],"sentiment":"neutral","sentiment_score":0.12325286253222398,"num_words":7,"start":266.42,"end":280.47},{"sentences":[{"text":"Okay.","start":280.47,"end":280.97,"sentiment":"neutral","sentiment_score":0.010883132927119732},{"text":"Yep.","start":281.83002,"end":282.23,"sentiment":"neutral","sentiment_score":0.044364847242832184},{"text":"And what I can do to make it as, you know, like for like is I can then assume because your premium at the time was $299.04.","start":282.23,"end":290.41,"sentiment":"neutral","sentiment_score":0.000959562982811972},{"text":"I'll put some disclaimers in there, but I can then assume same insurance across both to give you a bit more accurate of just your super, how that would have changed.","start":290.55002,"end":300.35498,"sentiment":"neutral","sentiment_score":-0.013701639348460783},{"text":"Does that make sense?","start":300.57498,"end":301.63498,"sentiment":"neutral","sentiment_score":0.0020619297865778208}],"sentiment":"neutral","sentiment_score":-0.005239795624220278,"num_words":64,"start":280.47,"end":301.63498},{"sentences":[{"text":"Yep.","start":302.975,"end":303.475,"sentiment":"positive","sentiment_score":0.34815001487731934},{"text":"So then you can see purely just from a superannuation growth perspective.","start":303.695,"end":308.755,"sentiment":"neutral","sentiment_score":0.20884374529123306},{"text":"Yeah.","start":311.55002,"end":312.05002,"sentiment":"positive","sentiment_score":0.3846830725669861},{"text":"Alright.","start":312.59,"end":313.09,"sentiment":"positive","sentiment_score":0.4992518424987793},{"text":"Perfect.","start":313.15,"end":313.65,"sentiment":"positive","sentiment_score":0.6969577074050903}],"sentiment":"neutral","sentiment_score":0.27719797380268574,"num_words":16,"start":302.975,"end":313.65},{"sentences":[{"text":"I can definitely do that.","start":313.79,"end":315.81,"sentiment":"positive","sentiment_score":0.6702598690986633},{"text":"It might be by end of tomorrow, if that's okay.","start":316.51,"end":320.37,"sentiment":"neutral","sentiment_score":0.27736423462629317},{"text":"Yes.","start":321.79,"end":322.29,"sentiment":"neutral","sentiment_score":0.19703340530395508},{"text":"Yeah.","start":322.57498,"end":323.07498,"sentiment":"positive","sentiment_score":0.41304585337638855},{"text":"Perfect.","start":323.29498,"end":323.535,"sentiment":"positive","sentiment_score":0.5577542781829834}],"sentiment":"positive","sentiment_score":0.4051541793677542,"num_words":18,"start":313.79,"end":323.535},{"sentences":[{"text":"I'll get that email through there.","start":323.535,"end":324.655,"sentiment":"positive","sentiment_score":0.339643398920695},{"text":"When you do have a look at it, if you have any questions or concerns or anything, just let me know.","start":324.655,"end":329.215,"sentiment":"neutral","sentiment_score":0.22537781014328911},{"text":"But, otherwise, I'll add, you know, any disclaimers that we've made in regards to it, so that you can obviously see.","start":329.215,"end":335.63498,"sentiment":"neutral","sentiment_score":0.07843322803576787},{"text":"And let me see here.","start":336.06,"end":337.58002,"sentiment":"neutral","sentiment_score":0.015132761374115945},{"text":"At the time, your income probably was a little bit different.","start":337.58002,"end":341.26,"sentiment":"neutral","sentiment_score":-0.04540891894562678}],"sentiment":"neutral","sentiment_score":0.12490715458989143,"num_words":64,"start":323.535,"end":341.26},{"sentences":[{"text":"So your income at the time was 40,000.","start":341.26,"end":344.48,"sentiment":"neutral","sentiment_score":-0.017308067355770618},{"text":"What is it today?","start":346.22,"end":347.68,"sentiment":"neutral","sentiment_score":-0.019843983463943005},{"text":"Yes, please.","start":358.155,"end":358.975,"sentiment":"neutral","sentiment_score":0.02026962209492922},{"text":"Okay.","start":361.77002,"end":362.25,"sentiment":"neutral","sentiment_score":0.20665213465690613},{"text":"Perfect.","start":362.25,"end":362.75,"sentiment":"positive","sentiment_score":0.4032678008079529}],"sentiment":"neutral","sentiment_score":0.02703866918454878,"num_words":16,"start":341.26,"end":362.75},{"sentences":[{"text":"So what I can do then again because it's it obviously, the more income you earn, the more employee contributions you're gonna earn, the more it's gonna compound and change.","start":363.13,"end":372.75,"sentiment":"neutral","sentiment_score":0.20408684983849526},{"text":"So would you like me to assume your income was for 40,000?","start":373.57498,"end":378.215,"sentiment":"neutral","sentiment_score":0.014318897854536772},{"text":"Because that's what it was at the time, staying consistent until today, showing that both with your current Subaru and have 24, or would you like me to assume a 104, or what would you prefer?","start":378.215,"end":392.00998,"sentiment":"neutral","sentiment_score":0.06378581007528636},{"text":"Yeah.","start":395.66998,"end":396.16998,"sentiment":"neutral","sentiment_score":0.004859006963670254},{"text":"Yes.","start":405.525,"end":406.025,"sentiment":"neutral","sentiment_score":0.0038231024518609047}],"sentiment":"neutral","sentiment_score":0.10749254426918924,"num_words":80,"start":363.13,"end":406.025},{"sentences":[{"text":"Yes.","start":406.245,"end":406.565,"sentiment":"neutral","sentiment_score":0.08002252876758575},{"text":"I can definitely do that.","start":406.565,"end":407.92502,"sentiment":"positive","sentiment_score":0.40568275153636935},{"text":"Yeah.","start":407.92502,"end":408.42502,"sentiment":"neutral","sentiment_score":0.1842510998249054},{"text":"So, obviously, it would have changed slightly then, like, if you stayed in in Australian Super because at the time, your income obviously wasn't a 104, so you wouldn't get as much return, and it wouldn't compound as much.","start":409.525,"end":422.15997,"sentiment":"neutral","sentiment_score":-0.07498098962391034},{"text":"But I can at least give you a bit of a a bit of an understand understanding.","start":422.15997,"end":427.37997,"sentiment":"neutral","sentiment_score":0.03159005950917216}],"sentiment":"neutral","sentiment_score":-0.0015006380540037911,"num_words":63,"start":406.245,"end":427.37997},{"sentences":[{"text":"Yeah.","start":429.045,"end":429.545,"sentiment":"neutral","sentiment_score":0.013827070593833923},{"text":"Yeah.","start":431.685,"end":432.185,"sentiment":"neutral","sentiment_score":0.03223741427063942},{"text":"Yes.","start":433.925,"end":434.425,"sentiment":"neutral","sentiment_score":0.13567593693733215},{"text":"Correct.","start":437.285,"end":437.785,"sentiment":"neutral","sentiment_score":0.07254613935947418},{"text":"Yes.","start":439.765,"end":440.265,"sentiment":"neutral","sentiment_score":0.08115250617265701}],"sentiment":"neutral","sentiment_score":0.06708781346678734,"num_words":5,"start":429.045,"end":440.265},{"sentences":[{"text":"The same.","start":442.5,"end":443.24,"sentiment":"neutral","sentiment_score":0.026589285582304},{"text":"Yep.","start":443.3,"end":443.8,"sentiment":"neutral","sentiment_score":0.02840551361441612},{"text":"Yep.","start":443.93997,"end":444.43997,"sentiment":"neutral","sentiment_score":0.04326886683702469},{"text":"Perfect.","start":444.81998,"end":445.31998,"sentiment":"positive","sentiment_score":0.4715997576713562},{"text":"Yeah.","start":445.46,"end":445.78,"sentiment":"neutral","sentiment_score":0.19698071479797363}],"sentiment":"neutral","sentiment_score":0.13223890401422977,"num_words":6,"start":442.5,"end":445.78},{"sentences":[{"text":"And, again, I'll put this claim as underneath it to say assuming income of a 104, both scenarios, assuming same premiums, both scenarios so that you can see more clearly what the changes would have been.","start":445.78,"end":459.495,"sentiment":"neutral","sentiment_score":0.10494126358793841},{"text":"Yeah.","start":460.675,"end":461.175,"sentiment":"positive","sentiment_score":0.3402877449989319},{"text":"Okay.","start":461.235,"end":461.735,"sentiment":"positive","sentiment_score":0.4579583406448364},{"text":"Perfect.","start":461.79498,"end":462.29498,"sentiment":"positive","sentiment_score":0.5761653780937195},{"text":"Aside from from that, is there any other, like, concerns or questions otherwise that you have that you want me to address or just to kind of run through things?","start":463.955,"end":472.16998,"sentiment":"neutral","sentiment_score":0.06320950128138066}],"sentiment":"neutral","sentiment_score":0.1021533621934013,"num_words":69,"start":445.78,"end":472.16998},{"sentences":[{"text":"Yes.","start":497.53998,"end":497.93997,"sentiment":"neutral","sentiment_score":0.05143334716558456},{"text":"The Authenticator app and stuff.","start":497.93997,"end":499.63998,"sentiment":"neutral","sentiment_score":0.025349872186779976},{"text":"Yep.","start":499.86,"end":500.36,"sentiment":"neutral","sentiment_score":0.00299491873010993},{"text":"No.","start":506.985,"end":507.385,"sentiment":"neutral","sentiment_score":-0.09072153270244598},{"text":"That's okay.","start":507.385,"end":508.365,"sentiment":"neutral","sentiment_score":0.0422029122710228}],"sentiment":"neutral","sentiment_score":0.0174861918669194,"num_words":10,"start":497.53998,"end":508.365},{"sentences":[{"text":"I have actually sent you an email with some information to run through, which shows you where everything is at at the moment as well.","start":508.505,"end":518.445,"sentiment":"neutral","sentiment_score":0.23468102276325226},{"text":"But before I kind of jump into that, I do wanna just quickly run through a bit of an updated fact find review just to see if there's been any major changes that would need us to make any changes to your advice.","start":519.145,"end":532.87,"sentiment":"neutral","sentiment_score":0.022549879953784997},{"text":"So I will try to run through this as quickly as I can for you if you are a little bit short for time, so just bear with me.","start":533.09,"end":540.66504,"sentiment":"neutral","sentiment_score":-0.047016308096976114},{"text":"Now when it comes to your personal information, I have you down here as married with four financial dependents.","start":541.765,"end":548.265,"sentiment":"neutral","sentiment_score":0.005514483960149319},{"text":"Is that correct?","start":548.405,"end":549.22504,"sentiment":"neutral","sentiment_score":0.030629527444640797}],"sentiment":"neutral","sentiment_score":0.04764589285595389,"num_words":119,"start":508.505,"end":549.22504},{"sentences":[{"text":"Yep.","start":550.5,"end":550.98004,"sentiment":"neutral","sentiment_score":0.14331021904945374},{"text":"Perfect.","start":550.98004,"end":551.48004,"sentiment":"neutral","sentiment_score":0.29745274782180786},{"text":"I do have next of kin as John, phone number ending 645.","start":551.62006,"end":556.18005,"sentiment":"neutral","sentiment_score":0.12687792256474495},{"text":"That's still the case?","start":556.18005,"end":557.32,"sentiment":"neutral","sentiment_score":0.08316127024590969},{"text":"Yep.","start":558.34,"end":558.84,"sentiment":"neutral","sentiment_score":0.1468261182308197}],"sentiment":"neutral","sentiment_score":0.12856680194013997,"num_words":19,"start":550.5,"end":558.84},{"sentences":[{"text":"Perfect.","start":559.06006,"end":559.56006,"sentiment":"neutral","sentiment_score":0.2618156969547272},{"text":"And I've updated your income already.","start":560.66003,"end":562.76,"sentiment":"neutral","sentiment_score":0.08754328265786171},{"text":"Any changes to your occupation otherwise or just a bit of a buffer in income?","start":563.30005,"end":568.66504,"sentiment":"neutral","sentiment_score":0.002129217361410459},{"text":"No.","start":568.885,"end":569.385,"sentiment":"neutral","sentiment_score":-0.07035183906555176},{"text":"Doing the same.","start":569.525,"end":570.505,"sentiment":"neutral","sentiment_score":-0.035753266885876656}],"sentiment":"neutral","sentiment_score":0.024669308215379715,"num_words":26,"start":559.06006,"end":570.505},{"sentences":[{"text":"Yep.","start":572.645,"end":573.04504,"sentiment":"neutral","sentiment_score":0.06703300774097443},{"text":"Perfect.","start":573.04504,"end":573.445,"sentiment":"neutral","sentiment_score":0.1276799738407135},{"text":"So is it still part time or full time or a bit of a combination?","start":573.445,"end":577.865,"sentiment":"neutral","sentiment_score":0.0322053037583828},{"text":"Full time.","start":578.60004,"end":579.28,"sentiment":"neutral","sentiment_score":0.0382794551551342},{"text":"Okay.","start":579.28,"end":579.64,"sentiment":"neutral","sentiment_score":0.09684078395366667}],"sentiment":"neutral","sentiment_score":0.04255961161106825,"num_words":20,"start":572.645,"end":579.64},{"sentences":[{"text":"Perfect.","start":579.64,"end":580.14,"sentiment":"neutral","sentiment_score":0.14835214614868164},{"text":"And your employer, they're still paid 12% employee contributions into super?","start":581.48004,"end":587.10004,"sentiment":"neutral","sentiment_score":0.03458906193687157},{"text":"Yes.","start":587.64,"end":588.14,"sentiment":"neutral","sentiment_score":0.07039406150579453},{"text":"Great.","start":588.84,"end":589.34,"sentiment":"neutral","sentiment_score":0.18671363592147827},{"text":"Aside from, obviously, employer contributions, are you making any additional contributions into super?","start":590.36005,"end":596.885,"sentiment":"neutral","sentiment_score":0.048509919872650735}],"sentiment":"neutral","sentiment_score":0.05246549937874079,"num_words":27,"start":579.64,"end":596.885},{"sentences":[{"text":"No.","start":597.665,"end":598.145,"sentiment":"neutral","sentiment_score":-0.1873354613780975},{"text":"No.","start":598.145,"end":598.645,"sentiment":"neutral","sentiment_score":-0.13566118478775024},{"text":"Perfect.","start":599.265,"end":599.765,"sentiment":"neutral","sentiment_score":-0.006249293684959412},{"text":"Now asset and liabilities wise, I'll just confirm what I have here, and just let me know if anything has changed.","start":600.385,"end":605.765,"sentiment":"neutral","sentiment_score":0.04634816186236484},{"text":"But I have here that your main property was last valued at about 2.5 mill.","start":606.56995,"end":611.14996,"sentiment":"neutral","sentiment_score":0.007955745793879032}],"sentiment":"neutral","sentiment_score":0.019574401183770254,"num_words":39,"start":597.665,"end":611.14996},{"sentences":[{"text":"Yep.","start":614.88995,"end":615.37,"sentiment":"neutral","sentiment_score":0.2397918403148651},{"text":"Perfect.","start":615.37,"end":615.87,"sentiment":"positive","sentiment_score":0.5448709726333618},{"text":"Mortgage of about 1,030,000.","start":616.00995,"end":618.91,"sentiment":"neutral","sentiment_score":0.20348819717764854},{"text":"Perfect.","start":635.82996,"end":636.32996,"sentiment":"positive","sentiment_score":0.5684323310852051},{"text":"Now I do have here as well two investment properties at one in Narrabeen.","start":637.99,"end":643.20996,"sentiment":"neutral","sentiment_score":0.1975421298827444}],"sentiment":"neutral","sentiment_score":0.2348875119572594,"num_words":21,"start":614.88995,"end":643.20996},{"sentences":[{"text":"Yeah.","start":646.345,"end":646.82495,"sentiment":"neutral","sentiment_score":0.08143902570009232},{"text":"About about $9.50.","start":646.82495,"end":648.125,"sentiment":"neutral","sentiment_score":0.07394478718439738},{"text":"Yeah.","start":649.865,"end":650.365,"sentiment":"neutral","sentiment_score":0.04319263994693756},{"text":"1,000,000.","start":651.785,"end":652.50494,"sentiment":"neutral","sentiment_score":0.062149517238140106},{"text":"Perfect.","start":652.50494,"end":653.00494,"sentiment":"neutral","sentiment_score":0.3099548816680908}],"sentiment":"neutral","sentiment_score":0.10265291801520757,"num_words":7,"start":646.345,"end":653.00494},{"sentences":[{"text":"And then I also have that the mortgage is about 600,000.","start":653.94495,"end":657.565,"sentiment":"neutral","sentiment_score":0.10545506531541998},{"text":"Perfect.","start":659.54004,"end":660.04004,"sentiment":"neutral","sentiment_score":0.3048275113105774},{"text":"And then you also have another property in Sydney of about 1.5?","start":660.10004,"end":663.80005,"sentiment":"neutral","sentiment_score":0.08325533258418243},{"text":"Yes.","start":671.15497,"end":671.65497,"sentiment":"neutral","sentiment_score":0.04690060019493103},{"text":"Okay.","start":672.035,"end":672.355,"sentiment":"neutral","sentiment_score":0.030785784125328064}],"sentiment":"neutral","sentiment_score":0.09775321558117867,"num_words":26,"start":653.94495,"end":672.355},{"sentences":[{"text":"So you've sold that property.","start":672.355,"end":673.975,"sentiment":"neutral","sentiment_score":0.011764628440141678},{"text":"And are you thinking of buying another one or not really?","start":675.95496,"end":681.175,"sentiment":"neutral","sentiment_score":-0.031059986488385635},{"text":"Nope.","start":681.875,"end":682.375,"sentiment":"neutral","sentiment_score":-0.07249265909194946},{"text":"Perfect.","start":682.87,"end":683.37,"sentiment":"neutral","sentiment_score":0.08538573980331421},{"text":"Do you also have your motor vehicle, by the about 60,000?","start":683.75,"end":688.41,"sentiment":"neutral","sentiment_score":0.02674446686763655}],"sentiment":"neutral","sentiment_score":0.0008360519684080419,"num_words":29,"start":672.355,"end":688.41},{"sentences":[{"text":"Yes.","start":692.31,"end":692.81,"sentiment":"neutral","sentiment_score":0.02224023826420307},{"text":"Yes.","start":693.67,"end":694.17,"sentiment":"neutral","sentiment_score":0.022122442722320557},{"text":"45.","start":698.885,"end":699.605,"sentiment":"neutral","sentiment_score":0.027897177264094353},{"text":"Perfect.","start":699.605,"end":700.005,"sentiment":"neutral","sentiment_score":0.23234252631664276},{"text":"And you don't have anything owing on that one, do you?","start":700.005,"end":702.345,"sentiment":"neutral","sentiment_score":0.03783410821448673}],"sentiment":"neutral","sentiment_score":0.04805183832844098,"num_words":15,"start":692.31,"end":702.345},{"sentences":[{"text":"No.","start":703.125,"end":703.625,"sentiment":"neutral","sentiment_score":-0.06888982653617859},{"text":"Perfect.","start":703.685,"end":704.08496,"sentiment":"neutral","sentiment_score":0.07967546582221985},{"text":"And then I also have an offset account that's split with your husband of about a 130,000.","start":704.08496,"end":710.02496,"sentiment":"neutral","sentiment_score":0.010834803311702083},{"text":"Okay.","start":720.54,"end":721.01996,"sentiment":"neutral","sentiment_score":0.1070895418524742},{"text":"Perfect.","start":721.01996,"end":721.51996,"sentiment":"neutral","sentiment_score":0.19423040747642517}],"sentiment":"neutral","sentiment_score":0.023633202138756002,"num_words":21,"start":703.125,"end":721.51996},{"sentences":[{"text":"And then kind of looking at doing some house renovation.","start":721.57996,"end":724.07996,"sentiment":"neutral","sentiment_score":0.07721083797514439},{"text":"Perfect.","start":725.77496,"end":726.175,"sentiment":"neutral","sentiment_score":0.206243634223938},{"text":"Any other new assets that we haven't gone through that's changed over the last twelve months?","start":726.175,"end":730.27496,"sentiment":"neutral","sentiment_score":0.04856804304290563},{"text":"No.","start":732.175,"end":732.415,"sentiment":"neutral","sentiment_score":-0.029505759477615356},{"text":"Perfect.","start":732.415,"end":732.915,"sentiment":"neutral","sentiment_score":0.008819193579256535}],"sentiment":"neutral","sentiment_score":0.059819108164259074,"num_words":29,"start":721.57996,"end":732.915},{"sentences":[{"text":"No other liabilities like personal loans, credit cards, ZipPay?","start":733.21497,"end":736.51495,"sentiment":"neutral","sentiment_score":-0.03615916851494047},{"text":"No.","start":738.02997,"end":738.43,"sentiment":"neutral","sentiment_score":-0.09310643374919891},{"text":"Perfect.","start":738.43,"end":738.93,"sentiment":"neutral","sentiment_score":-0.04271600395441055},{"text":"Health and lifestyle wise, are you a smoker?","start":740.02997,"end":743.41,"sentiment":"neutral","sentiment_score":-0.05357554694637656},{"text":"Alright.","start":744.99,"end":745.39,"sentiment":"neutral","sentiment_score":-0.0002558517153374851}],"sentiment":"neutral","sentiment_score":-0.04450575908122119,"num_words":20,"start":733.21497,"end":745.39},{"sentences":[{"text":"Perfect.","start":745.39,"end":745.89,"sentiment":"neutral","sentiment_score":0.0932544469833374},{"text":"Any changes to your health in the last twelve months otherwise?","start":746.51,"end":749.08997,"sentiment":"neutral","sentiment_score":-0.01161072233861143},{"text":"No.","start":750.445,"end":750.945,"sentiment":"neutral","sentiment_score":-0.03358250483870506},{"text":"Perfect.","start":751.005,"end":751.505,"sentiment":"neutral","sentiment_score":0.0483614020049572},{"text":"Do you have private health insurance?","start":752.205,"end":753.745,"sentiment":"neutral","sentiment_score":0.00860353031506141}],"sentiment":"neutral","sentiment_score":0.001596829015761614,"num_words":20,"start":745.39,"end":753.745},{"sentences":[{"text":"Yep.","start":755.165,"end":755.645,"sentiment":"neutral","sentiment_score":0.05321841686964035},{"text":"Perfect.","start":755.645,"end":756.145,"sentiment":"neutral","sentiment_score":0.16048724949359894},{"text":"And lastly, just estate planning wise, do you have a will in place?","start":757.325,"end":761.34503,"sentiment":"neutral","sentiment_score":0.05241966362182911},{"text":"Yep.","start":763.74,"end":764.14,"sentiment":"neutral","sentiment_score":0.12454064935445786},{"text":"Perfect.","start":764.14,"end":764.64,"sentiment":"positive","sentiment_score":0.3642597794532776}],"sentiment":"neutral","sentiment_score":0.081409513073809,"num_words":17,"start":755.165,"end":764.64},{"sentences":[{"text":"And that's pretty up to date.","start":764.7,"end":766.24,"sentiment":"neutral","sentiment_score":0.21485450118780136},{"text":"Oh, great.","start":772.94,"end":773.595,"sentiment":"positive","sentiment_score":0.5760186314582825},{"text":"Perfect.","start":773.83496,"end":774.33496,"sentiment":"positive","sentiment_score":0.5934361219406128},{"text":"Do you know if you made a nomination for power of attorney when you got the will as well?","start":774.555,"end":780.095,"sentiment":"neutral","sentiment_score":0.19530668344936872},{"text":"No.","start":781.435,"end":781.75494,"sentiment":"neutral","sentiment_score":-0.048710789531469345}],"sentiment":"neutral","sentiment_score":0.2309212616548456,"num_words":29,"start":764.7,"end":781.75494},{"sentences":[{"text":"That's alright.","start":781.75494,"end":782.31494,"sentiment":"neutral","sentiment_score":-0.030070594511926174},{"text":"But you don't have anyone otherwise who makes any financial decisions on your behalf?","start":782.31494,"end":786.01495,"sentiment":"neutral","sentiment_score":-0.07605072643075671},{"text":"Alright.","start":787.43005,"end":787.93005,"sentiment":"neutral","sentiment_score":0.1257001906633377},{"text":"Great.","start":788.07,"end":788.57,"sentiment":"positive","sentiment_score":0.45123258233070374},{"text":"So that was all of the personal information.","start":788.79004,"end":791.05005,"sentiment":"neutral","sentiment_score":0.32566625252366066}],"sentiment":"neutral","sentiment_score":0.07913120900495695,"num_words":26,"start":781.75494,"end":791.05005},{"sentences":[{"text":"When it comes to, I guess, goals and stuff that you are working on for the next twelve months.","start":791.83,"end":796.73004,"sentiment":"neutral","sentiment_score":0.2769599698091808},{"text":"Now last time when we did do your under review, you were kind of focusing on putting aside some money to start some house renovations.","start":796.95,"end":803.665,"sentiment":"neutral","sentiment_score":0.13261139571666716},{"text":"You kind of mentioned that that's still kind of a goal for yourself.","start":804.20496,"end":807.745,"sentiment":"neutral","sentiment_score":0.21616911658873925},{"text":"Is there is there anything else that you're working through that you're wanting to achieve financially or nonfinancially over the next twelve months?","start":808.845,"end":815.96,"sentiment":"neutral","sentiment_score":0.19629416031681973},{"text":"Mhmm.","start":819.94,"end":820.44,"sentiment":"neutral","sentiment_score":0.08045341074466705}],"sentiment":"neutral","sentiment_score":0.1973202707774845,"num_words":81,"start":791.83,"end":820.44},{"sentences":[{"text":"Yep.","start":839.08997,"end":839.58997,"sentiment":"neutral","sentiment_score":0.016055241227149963},{"text":"Yes.","start":839.73,"end":840.23,"sentiment":"neutral","sentiment_score":0.04917836934328079},{"text":"Yep.","start":840.37,"end":840.87,"sentiment":"neutral","sentiment_score":0.024625718593597412},{"text":"Okay.","start":841.49,"end":841.97,"sentiment":"neutral","sentiment_score":0.13295340538024902},{"text":"Perfect.","start":841.97,"end":842.47,"sentiment":"neutral","sentiment_score":0.26973313093185425}],"sentiment":"neutral","sentiment_score":0.09850917309522629,"num_words":5,"start":839.08997,"end":842.47},{"sentences":[{"text":"Yeah.","start":844.85,"end":845.33,"sentiment":"neutral","sentiment_score":0.18070825934410095},{"text":"Oh, that's nice.","start":845.33,"end":846.39,"sentiment":"positive","sentiment_score":0.3513285120328267},{"text":"Now the other thing I do wanna quickly run through with you is just an updated risk profile questionnaire, and that is just to see if we need to make any changes to your investment portfolio otherwise with your super.","start":847.65,"end":858.915,"sentiment":"neutral","sentiment_score":0.04085262529551983},{"text":"So there is no right or wrong answers.","start":858.915,"end":860.915,"sentiment":"neutral","sentiment_score":-0.044903840869665146},{"text":"It's just whatever you feel is the most appropriate for you, And it is in regards to your superannuation.","start":860.915,"end":867.82,"sentiment":"neutral","sentiment_score":0.05673328115555801}],"sentiment":"neutral","sentiment_score":0.05052817496143176,"num_words":71,"start":844.85,"end":867.82},{"sentences":[{"text":"So if it doesn't make sense, let me know because some of them yep.","start":868.36,"end":871.56,"sentiment":"neutral","sentiment_score":-0.05855364166200161},{"text":"Sorry?","start":871.56,"end":872.06,"sentiment":"neutral","sentiment_score":-0.05636594817042351},{"text":"Yep.","start":875.0,"end":875.5,"sentiment":"neutral","sentiment_score":0.03807736188173294},{"text":"Perfect.","start":875.8,"end":876.3,"sentiment":"neutral","sentiment_score":0.12355772405862808},{"text":"Now, Candice, have you ever made direct shares yourself?","start":877.48,"end":881.07495,"sentiment":"neutral","sentiment_score":0.020806957450177934}],"sentiment":"neutral","sentiment_score":-0.02027766263255706,"num_words":26,"start":868.36,"end":881.07495},{"sentences":[{"text":"Bought direct shares, like, on the stock market and stuff like that?","start":884.175,"end":887.71497,"sentiment":"neutral","sentiment_score":-0.021025716948012512},{"text":"Yes.","start":893.79,"end":894.29,"sentiment":"neutral","sentiment_score":0.06982424855232239},{"text":"Yeah.","start":901.95,"end":902.45,"sentiment":"neutral","sentiment_score":0.06771552562713623},{"text":"No.","start":903.63,"end":904.02997,"sentiment":"neutral","sentiment_score":0.08623750507831573},{"text":"Perfect.","start":904.02997,"end":904.52997,"sentiment":"positive","sentiment_score":0.5674082040786743}],"sentiment":"neutral","sentiment_score":0.03367980499751866,"num_words":16,"start":884.175,"end":904.52997},{"sentences":[{"text":"Yes.","start":907.635,"end":908.135,"sentiment":"neutral","sentiment_score":0.1269807070493698},{"text":"Do you yep.","start":908.755,"end":910.45496,"sentiment":"neutral","sentiment_score":0.010309691851337751},{"text":"No.","start":910.755,"end":910.995,"sentiment":"neutral","sentiment_score":-0.017884936183691025},{"text":"It definitely counts.","start":910.995,"end":911.95496,"sentiment":"neutral","sentiment_score":0.08357752735416095},{"text":"Do you still have a little, like, share portfolio there?","start":911.95496,"end":915.65497,"sentiment":"neutral","sentiment_score":0.014514674432575703}],"sentiment":"neutral","sentiment_score":0.029772454044885106,"num_words":18,"start":907.635,"end":915.65497},{"sentences":[{"text":"Yeah.","start":917.15497,"end":917.39496,"sentiment":"neutral","sentiment_score":0.01702832616865635},{"text":"Do you know how much you have roughly?","start":917.39496,"end":919.575,"sentiment":"neutral","sentiment_score":0.013391549466177821},{"text":"Oh, it's still an asset.","start":924.61,"end":925.91003,"sentiment":"neutral","sentiment_score":0.13814784586429596},{"text":"So I'll just change that up.","start":926.05,"end":927.41003,"sentiment":"neutral","sentiment_score":0.19849771012862524},{"text":"That's good.","start":927.41003,"end":928.15,"sentiment":"positive","sentiment_score":0.6154328286647797}],"sentiment":"neutral","sentiment_score":0.14712508496913043,"num_words":22,"start":917.15497,"end":928.15},{"sentences":[{"text":"Now let me see here.","start":930.05,"end":931.73004,"sentiment":"neutral","sentiment_score":0.09418336004018783},{"text":"Otherwise, I guess, when it comes to accessing superannuation, I have here that, you're planning on accessing super at the age of 60.","start":931.73004,"end":941.155,"sentiment":"neutral","sentiment_score":0.015658425896064095},{"text":"Is that still the plan?","start":941.295,"end":943.155,"sentiment":"neutral","sentiment_score":0.02206527814269066},{"text":"Yep.","start":945.455,"end":945.955,"sentiment":"neutral","sentiment_score":0.07591073215007782},{"text":"Well, that is the earliest you can currently at least with the legislation.","start":946.335,"end":949.635,"sentiment":"neutral","sentiment_score":0.037028576319034286}],"sentiment":"neutral","sentiment_score":0.0318865789536466,"num_words":47,"start":930.05,"end":949.635},{"sentences":[{"text":"If you stop working, it is at 60.","start":949.695,"end":951.65,"sentiment":"neutral","sentiment_score":-0.0041776555590331554},{"text":"You can take it tax free.","start":951.65,"end":953.19,"sentiment":"neutral","sentiment_score":0.09559203311800957},{"text":"Now, otherwise, when it comes to how much risk you are willing to take in regards to your superannuation, Are you willing to take, you know, very high risk, high risk moderate, or a small amount of risk in order to kinda keep up pace, you know, with inflation and increase in prices?","start":955.89,"end":975.21497,"sentiment":"neutral","sentiment_score":-0.07821245523134493},{"text":"High risk?","start":979.21,"end":979.95,"sentiment":"neutral","sentiment_score":-0.09357280656695366},{"text":"Yeah.","start":980.49,"end":980.99,"sentiment":"neutral","sentiment_score":0.04100697487592697}],"sentiment":"neutral","sentiment_score":-0.05358954016119242,"num_words":70,"start":949.695,"end":980.99},{"sentences":[{"text":"Perfect.","start":981.29,"end":981.79,"sentiment":"neutral","sentiment_score":0.2047676295042038},{"text":"And if you, after six months of placing an investment, found out that your portfolio has decreased in value by 20%, would you if you had the option to do so, I think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold and wait to see what happens, or would you want to shift to a more secure asset?","start":982.89,"end":1007.99,"sentiment":"neutral","sentiment_score":-0.03195265879573887},{"text":"So that means the other selling when the prices have already dropped.","start":1008.20996,"end":1011.11,"sentiment":"neutral","sentiment_score":-0.11040477889279525},{"text":"The first one.","start":1014.945,"end":1015.745,"sentiment":"neutral","sentiment_score":0.07388547932108243},{"text":"Perfect.","start":1015.745,"end":1016.245,"sentiment":"neutral","sentiment_score":0.04772753268480301}],"sentiment":"neutral","sentiment_score":-0.035369442651669185,"num_words":90,"start":981.29,"end":1016.245},{"sentences":[{"text":"Now next one is in regards to superannuation dropping in value.","start":1019.265,"end":1025.525,"sentiment":"neutral","sentiment_score":-0.20645652169531042},{"text":"So if you ever noticed your superannuation fluctuate and drop in value over to the last twelve months, we've seen a bit of fluctuation with everything going on in the world in the last twelve months.","start":1026.0701,"end":1035.85,"sentiment":"neutral","sentiment_score":-0.3070056351522605},{"text":"If it was something that you did notice, would you say that you would feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, or that would make you feel quite concerned?","start":1036.63,"end":1050.985,"sentiment":"neutral","sentiment_score":-0.29817547668751915},{"text":"So yeah.","start":1056.1,"end":1056.92,"sentiment":"neutral","sentiment_score":0.02911245822906494},{"text":"Perfect.","start":1056.98,"end":1057.48,"sentiment":"positive","sentiment_score":0.33734768629074097}],"sentiment":"neutral","sentiment_score":-0.27566272858530283,"num_words":88,"start":1019.265,"end":1057.48},{"sentences":[{"text":"And the last one is, would you ever consider taking out a loan to invest on the stock market?","start":1059.22,"end":1065.56,"sentiment":"neutral","sentiment_score":0.06552387068146154},{"text":"No.","start":1067.865,"end":1068.365,"sentiment":"neutral","sentiment_score":-0.16649571061134338},{"text":"No.","start":1068.4249,"end":1068.6649,"sentiment":"neutral","sentiment_score":-0.11553993821144104},{"text":"Perfect.","start":1068.6649,"end":1069.1649,"sentiment":"neutral","sentiment_score":0.14413008093833923},{"text":"So just kind of investment property is kind of where taking out a a loan would be where you would be comfortable with.","start":1069.225,"end":1076.2849,"sentiment":"neutral","sentiment_score":0.058998609852531685}],"sentiment":"neutral","sentiment_score":0.054755911148256724,"num_words":45,"start":1059.22,"end":1076.2849},{"sentences":[{"text":"Yep.","start":1079.96,"end":1080.36,"sentiment":"neutral","sentiment_score":-0.0017594124656170609},{"text":"No.","start":1080.36,"end":1080.6799,"sentiment":"neutral","sentiment_score":-0.01951615884900093},{"text":"Perfect.","start":1080.6799,"end":1081.1799,"sentiment":"neutral","sentiment_score":0.15561635792255402},{"text":"Now that tells me here that from a risk profile point of view, you have come out as a high growth investor, which is the portfolio that we currently have you invested in.","start":1081.5599,"end":1092.855,"sentiment":"neutral","sentiment_score":0.049714967495564255},{"text":"Do you remember what a high growth investor is?","start":1092.9349,"end":1095.755,"sentiment":"neutral","sentiment_score":0.04469695273372862}],"sentiment":"neutral","sentiment_score":0.04838238419033587,"num_words":45,"start":1079.96,"end":1095.755},{"sentences":[{"text":"Yeah.","start":1103.015,"end":1103.415,"sentiment":"neutral","sentiment_score":0.06925751268863678},{"text":"So, essentially, it means someone you know, you are willing to see a bit of fluctuations in the short term in order to kinda maximize growth in the long term when we are thinking of a time frame as well.","start":1103.415,"end":1116.23,"sentiment":"neutral","sentiment_score":0.09239244358614088},{"text":"So making sure that you have enough time in the market because, typically, we see about 90% invested in your growth assets.","start":1116.23,"end":1124.145,"sentiment":"neutral","sentiment_score":0.13034417480230331},{"text":"So these will be things like Australian shares, international shares, property, and commodities, which is going to maximize that growth for you.","start":1124.525,"end":1132.4651,"sentiment":"neutral","sentiment_score":0.25064025819301605},{"text":"And then you have about 10% in more defensive investments, like your cash, your gold, your fixed interest.","start":1132.47,"end":1139.03,"sentiment":"neutral","sentiment_score":0.1554698749548859}],"sentiment":"neutral","sentiment_score":0.14509777214775965,"num_words":103,"start":1103.015,"end":1139.03},{"sentences":[{"text":"We're trying to limit fluctuations a little bit.","start":1139.03,"end":1141.77,"sentiment":"neutral","sentiment_score":0.07104762783274055},{"text":"Time frame side of it, we do typically want to allow at least eight years until retirement because you do see a bit of fluctuations in the short term in order to kinda grow it in the long term.","start":1142.87,"end":1154.145,"sentiment":"neutral","sentiment_score":0.08685256311526665},{"text":"Are you still comfortable with a high growth portfolio, or has your risk tolerance or anything changed?","start":1154.525,"end":1160.9451,"sentiment":"neutral","sentiment_score":0.021781535271336052},{"text":"Yep.","start":1165.1699,"end":1165.57,"sentiment":"neutral","sentiment_score":0.3263798654079437},{"text":"Okay.","start":1165.57,"end":1166.07,"sentiment":"positive","sentiment_score":0.3827143907546997}],"sentiment":"neutral","sentiment_score":0.07628805060504061,"num_words":66,"start":1139.03,"end":1166.07},{"sentences":[{"text":"Perfect.","start":1166.21,"end":1166.71,"sentiment":"positive","sentiment_score":0.5257916450500488},{"text":"Now do you have access to your emails at the moment?","start":1168.21,"end":1173.0299,"sentiment":"neutral","sentiment_score":0.15522904694080353},{"text":"Yep.","start":1174.605,"end":1175.005,"sentiment":"neutral","sentiment_score":0.17058685421943665},{"text":"Perfect.","start":1175.005,"end":1175.485,"sentiment":"positive","sentiment_score":0.35847586393356323},{"text":"So what I have done is I have sent you an email, with a couple of attachments just to run through, quickly with you, then we're all finished for today.","start":1175.485,"end":1183.585,"sentiment":"neutral","sentiment_score":0.2505835553010305}],"sentiment":"neutral","sentiment_score":0.2336336486041546,"num_words":44,"start":1166.21,"end":1183.585},{"sentences":[{"text":"If you are able to access those for me.","start":1184.925,"end":1187.265,"sentiment":"neutral","sentiment_score":0.15775145176384184},{"text":"It can also end in the spam folder because yes.","start":1195.85,"end":1200.925,"sentiment":"neutral","sentiment_score":-0.004190681874752045},{"text":"Yes, please.","start":1201.0651,"end":1201.705,"sentiment":"neutral","sentiment_score":0.06860523670911789},{"text":"Yep.","start":1201.705,"end":1202.105,"sentiment":"neutral","sentiment_score":0.107884518802166},{"text":"That's the one.","start":1202.105,"end":1202.905,"sentiment":"neutral","sentiment_score":0.10724050303300221}],"sentiment":"neutral","sentiment_score":0.07778690993785858,"num_words":25,"start":1184.925,"end":1202.905},{"sentences":[{"text":"So before you click on the link, because that will ask you to sign the documents that needs signing.","start":1202.905,"end":1208.985,"sentiment":"neutral","sentiment_score":0.03974596950176515},{"text":"But before you click on it, if you scroll down, you will see a couple of attachments.","start":1208.985,"end":1213.325,"sentiment":"neutral","sentiment_score":0.014219447573208633},{"text":"Can you see those?","start":1213.385,"end":1214.4451,"sentiment":"neutral","sentiment_score":0.010636968770995736},{"text":"Yep.","start":1215.57,"end":1215.89,"sentiment":"neutral","sentiment_score":0.08745962381362915},{"text":"Perfect.","start":1215.89,"end":1216.39,"sentiment":"neutral","sentiment_score":0.16901879012584686}],"sentiment":"neutral","sentiment_score":0.030855483769084372,"num_words":42,"start":1202.905,"end":1216.39},{"sentences":[{"text":"Now the one that says Oakview services guide version one and Oakview financial services guide version four, I will let you have a read over those in your own time.","start":1216.77,"end":1227.17,"sentiment":"neutral","sentiment_score":0.06663625091314315},{"text":"It's one of those compliance documents you would have seen before.","start":1227.17,"end":1230.39,"sentiment":"neutral","sentiment_score":0.0599920664998618},{"text":"It is just an updated financial services guide.","start":1230.6649,"end":1233.5449,"sentiment":"neutral","sentiment_score":0.06605611834675074},{"text":"So, basically, everything that you need to know about us is all in them.","start":1233.5449,"end":1237.625,"sentiment":"neutral","sentiment_score":0.13241159915924072},{"text":"We've had some changes to our marketing, which is great, and a bit of extension to the team.","start":1237.625,"end":1242.345,"sentiment":"neutral","sentiment_score":0.29531998104519314}],"sentiment":"neutral","sentiment_score":0.12786384262604478,"num_words":81,"start":1216.77,"end":1242.345},{"sentences":[{"text":"So, basically, everything about the team, all our advisers, and everything is in there for you if you do wanna have a read over them.","start":1242.345,"end":1249.3201,"sentiment":"neutral","sentiment_score":0.1579173171520233},{"text":"Yep.","start":1250.5801,"end":1251.0801,"sentiment":"neutral","sentiment_score":0.0552908293902874},{"text":"The next one is can you see a super and insurance summary one?","start":1251.7001,"end":1256.84,"sentiment":"neutral","sentiment_score":0.04549927808917486},{"text":"Yep.","start":1257.38,"end":1257.88,"sentiment":"neutral","sentiment_score":0.09931274503469469},{"text":"Perfect.","start":1257.9401,"end":1258.4401,"sentiment":"neutral","sentiment_score":0.1716303527355194}],"sentiment":"neutral","sentiment_score":0.11867457246635019,"num_words":41,"start":1242.345,"end":1258.4401},{"sentences":[{"text":"So if you open that one for me, you can see your Netwealth Super, and it shows you as well the balance of 193,105.","start":1258.865,"end":1269.8451,"sentiment":"neutral","sentiment_score":0.12508548330515623},{"text":"And then underneath that, you have your Neos insurances.","start":1272.0801,"end":1275.06,"sentiment":"neutral","sentiment_score":0.054540561305152044},{"text":"So you have your life and total permanent disability insurance.","start":1276.16,"end":1280.74,"sentiment":"neutral","sentiment_score":0.06478224284946918},{"text":"That is 654,604.","start":1281.6001,"end":1285.4601,"sentiment":"neutral","sentiment_score":0.052631995330254235},{"text":"And then you also have an income protection policy, and that will pay sorry.","start":1286.205,"end":1292.0449,"sentiment":"neutral","sentiment_score":0.04165584008608546}],"sentiment":"neutral","sentiment_score":0.08136361377934614,"num_words":60,"start":1258.865,"end":1292.0449},{"sentences":[{"text":"Let me see.","start":1292.0449,"end":1292.605,"sentiment":"neutral","sentiment_score":0.03892034292221069},{"text":"My documents just went out for me.","start":1292.605,"end":1295.585,"sentiment":"neutral","sentiment_score":0.07720898304666791},{"text":"It will pay 1,025 a month with a thirty day waiting period and a five year benefit period.","start":1296.0449,"end":1303.0599,"sentiment":"neutral","sentiment_score":0.08206723754604657},{"text":"All those threes are paid from within superannuation.","start":1303.84,"end":1306.1,"sentiment":"neutral","sentiment_score":0.09837724640965462},{"text":"You get a 15% tax rebate.","start":1306.64,"end":1308.9,"sentiment":"neutral","sentiment_score":0.1539552261432012}],"sentiment":"neutral","sentiment_score":0.09155198842996642,"num_words":42,"start":1292.0449,"end":1308.9},{"sentences":[{"text":"So after that, the total premium is 1,425.","start":1309.52,"end":1313.62,"sentiment":"neutral","sentiment_score":0.08495535515248775},{"text":"Now now with your insurances, because your income has gone up quite a bit from when, obviously, we took out your policy, your income protection, you are you could be covered for more if you wanted to.","start":1314.785,"end":1329.78,"sentiment":"neutral","sentiment_score":0.08720731684887731},{"text":"Okay.","start":1332.8,"end":1333.3,"sentiment":"neutral","sentiment_score":0.04322223365306854},{"text":"Yeah.","start":1333.76,"end":1334.26,"sentiment":"positive","sentiment_score":0.3644157648086548},{"text":"Perfect.","start":1334.3201,"end":1334.8201,"sentiment":"positive","sentiment_score":0.5670804977416992}],"sentiment":"neutral","sentiment_score":0.10168816793399553,"num_words":48,"start":1309.52,"end":1334.8201},{"sentences":[{"text":"Because if you did wanna increase it, it would mean in the insurance eye, you would have to take on more risk.","start":1335.28,"end":1340.4451,"sentiment":"neutral","sentiment_score":0.13630489497022194},{"text":"You'd have to go through the underwriting process again, and then the insurances will get more expensive because you have more cover.","start":1340.4451,"end":1345.745,"sentiment":"neutral","sentiment_score":0.02434683997522701},{"text":"So I will leave that all for now, which is good.","start":1346.2051,"end":1349.985,"sentiment":"neutral","sentiment_score":0.32139007476243103},{"text":"Now the other one is the Vanguard index chart.","start":1351.1699,"end":1353.97,"sentiment":"neutral","sentiment_score":0.09629426482650968},{"text":"Can you see this one okay?","start":1353.97,"end":1355.27,"sentiment":"neutral","sentiment_score":0.06161863605181376}],"sentiment":"neutral","sentiment_score":0.11865698844194413,"num_words":70,"start":1335.28,"end":1355.27},{"sentences":[{"text":"Yes.","start":1359.25,"end":1359.75,"sentiment":"neutral","sentiment_score":0.09052381664514542},{"text":"Should be like the first one.","start":1362.385,"end":1363.585,"sentiment":"neutral","sentiment_score":0.10286273434758186},{"text":"2025 Vanguard index chart.","start":1363.585,"end":1366.8049,"sentiment":"neutral","sentiment_score":0.04720693174749613},{"text":"Yep.","start":1370.945,"end":1371.445,"sentiment":"neutral","sentiment_score":0.07482492178678513},{"text":"Sorry.","start":1372.145,"end":1372.465,"sentiment":"neutral","sentiment_score":0.034927912056446075}],"sentiment":"neutral","sentiment_score":0.07740621412029633,"num_words":13,"start":1359.25,"end":1372.465},{"sentences":[{"text":"You may have seen this one before, but it is a good visual representation of what we are talking about when we are typically talking about the market.","start":1372.465,"end":1381.4401,"sentiment":"neutral","sentiment_score":0.1244324566796422},{"text":"So you can kind of see here that dates back all through 1995 and then through all the ups and downs of the market.","start":1381.9,"end":1388.3,"sentiment":"neutral","sentiment_score":0.10968622099608183},{"text":"So when you have a look at it, you will see that over the long term, the market always goes up.","start":1388.3,"end":1393.7649,"sentiment":"neutral","sentiment_score":0.12792051760923295},{"text":"But short term, there will be some ups and downs and market fluctuations depending on what is going on as well.","start":1393.9049,"end":1400.5449,"sentiment":"neutral","sentiment_score":0.08041974689279284},{"text":"So it is a good way to kind of see it long term.","start":1400.5449,"end":1403.9249,"sentiment":"neutral","sentiment_score":0.27284898780859435}],"sentiment":"neutral","sentiment_score":0.1312033690372917,"num_words":107,"start":1372.465,"end":1403.9249},{"sentences":[{"text":"And sorry.","start":1404.1449,"end":1405.445,"sentiment":"neutral","sentiment_score":-0.001954035833477974},{"text":"It's different asset classes.","start":1410.66,"end":1412.12,"sentiment":"neutral","sentiment_score":-0.006170474225655198},{"text":"So at the moment so yeah.","start":1412.82,"end":1417.2999,"sentiment":"neutral","sentiment_score":0.030307527010639507},{"text":"So kind of referring back to how your super is invested to relate it is that in that high growth portfolio, you have about 90% invested in top four.","start":1417.2999,"end":1427.685,"sentiment":"neutral","sentiment_score":0.0701631111060751},{"text":"That is your US shares, Australian shares, international shares, and property.","start":1427.985,"end":1431.925,"sentiment":"neutral","sentiment_score":0.07724767110564491}],"sentiment":"neutral","sentiment_score":0.058417496110241,"num_words":52,"start":1404.1449,"end":1431.925},{"sentences":[{"text":"That includes your growth investments.","start":1432.385,"end":1435.045,"sentiment":"neutral","sentiment_score":0.0959963858127594},{"text":"So they are the one that obviously grows the most but also fluctuates the most.","start":1435.89,"end":1440.23,"sentiment":"neutral","sentiment_score":0.09300684829552969},{"text":"And then you have about 10% in defensive, which would be those bottom three.","start":1440.4501,"end":1445.91,"sentiment":"neutral","sentiment_score":0.039617255330085754},{"text":"Does that make sense?","start":1447.3301,"end":1448.4701,"sentiment":"neutral","sentiment_score":0.11432706378400326},{"text":"Perfect.","start":1449.875,"end":1450.375,"sentiment":"neutral","sentiment_score":0.3289831578731537}],"sentiment":"neutral","sentiment_score":0.08246199079813102,"num_words":39,"start":1432.385,"end":1450.375},{"sentences":[{"text":"Now the last attachment would then be your asset performance detail.","start":1452.355,"end":1457.015,"sentiment":"neutral","sentiment_score":0.10090970146385106},{"text":"Can you see that one okay?","start":1457.075,"end":1458.375,"sentiment":"neutral","sentiment_score":0.03701609435180823},{"text":"Yep.","start":1460.595,"end":1461.09,"sentiment":"neutral","sentiment_score":0.07662896811962128},{"text":"It should be the one that has all the yeah.","start":1475.585,"end":1479.025,"sentiment":"neutral","sentiment_score":0.11625106297433377},{"text":"So this one can look a little bit messy, especially if you are looking at a phone, if it's a little bit small.","start":1479.025,"end":1484.165,"sentiment":"neutral","sentiment_score":-0.12742994110221448}],"sentiment":"neutral","sentiment_score":-0.007051877750485551,"num_words":51,"start":1452.355,"end":1484.165},{"sentences":[{"text":"But it's perfect.","start":1485.025,"end":1487.22,"sentiment":"positive","sentiment_score":0.44356364756822586},{"text":"There you go.","start":1487.22,"end":1488.12,"sentiment":"positive","sentiment_score":0.36090556780497235},{"text":"So this one here breaks down all your investments.","start":1488.42,"end":1490.6,"sentiment":"neutral","sentiment_score":0.23232504228750864},{"text":"So you can see all your individual investments listed here and then how they have performed over the last twelve months.","start":1490.66,"end":1498.245,"sentiment":"neutral","sentiment_score":0.19695316361529486},{"text":"So this one here ranges from the 03/02/2025 to the 03/01/2026 when we put together this document for you, which shows you all your individual investments and how they have performed after fees.","start":1498.565,"end":1513.23,"sentiment":"neutral","sentiment_score":0.15011444755575873}],"sentiment":"neutral","sentiment_score":0.1970163222024406,"num_words":69,"start":1485.025,"end":1513.23},{"sentences":[{"text":"Now did you also get our email with the record of advice outlining the investment change?","start":1514.27,"end":1521.71,"sentiment":"neutral","sentiment_score":0.07205511326901615},{"text":"Did you have a look at that one at all?","start":1521.71,"end":1523.73,"sentiment":"neutral","sentiment_score":0.03271824056282639},{"text":"Yes.","start":1528.525,"end":1529.025,"sentiment":"neutral","sentiment_score":0.01931697316467762},{"text":"Let me see.","start":1529.405,"end":1529.885,"sentiment":"neutral","sentiment_score":0.009242594862977663},{"text":"It was on the March 13.","start":1529.885,"end":1531.745,"sentiment":"neutral","sentiment_score":0.013412647880613804}],"sentiment":"neutral","sentiment_score":0.044655135082494885,"num_words":36,"start":1514.27,"end":1531.745},{"sentences":[{"text":"Yeah.","start":1537.165,"end":1537.485,"sentiment":"neutral","sentiment_score":0.08094263821840286},{"text":"It's just for your reference.","start":1537.485,"end":1538.605,"sentiment":"neutral","sentiment_score":0.09754892736673355},{"text":"You don't need to sign it or anything, but it is just your reference essentially to say that the investment committee have done a lot of research on, obviously, investments and everything like that.","start":1538.605,"end":1549.46,"sentiment":"neutral","sentiment_score":0.07300798156682183},{"text":"There is a lot that has happened and changed in the world and have made a decision to swap out one of your investments, and that is the Benelon Australian Equities, which you can see on the document here.","start":1549.46,"end":1563.4249,"sentiment":"neutral","sentiment_score":0.07391055157551399},{"text":"Now that one here was originally added to your portfolio.","start":1563.885,"end":1567.345,"sentiment":"neutral","sentiment_score":0.11106500700116158}],"sentiment":"neutral","sentiment_score":0.0791474183121424,"num_words":89,"start":1537.165,"end":1567.345},{"sentences":[{"text":"It is an active, managed fund with the purpose of trying to actively buy and sell investments in order to try to outperform the market.","start":1567.405,"end":1576.5,"sentiment":"neutral","sentiment_score":0.14167341321706772},{"text":"So when this one was added to your portfolio, it was doing really well.","start":1577.2799,"end":1581.5199,"sentiment":"positive","sentiment_score":0.3450152895280293},{"text":"It was one of the top performing fund managers at the time as well, and it has done really well up until recently.","start":1581.5199,"end":1588.7649,"sentiment":"positive","sentiment_score":0.43230439916900965},{"text":"More recently, they have underperformed a little bit.","start":1589.225,"end":1592.5249,"sentiment":"neutral","sentiment_score":0.27853514812886715},{"text":"Some of some of the reasons has been that they have made a couple of high convictions on stocks that they think are going to do really well, which hasn't really played out.","start":1592.9049,"end":1603.3401,"sentiment":"neutral","sentiment_score":0.16157566236727167}],"sentiment":"neutral","sentiment_score":0.25121678260055563,"num_words":103,"start":1567.405,"end":1603.3401},{"sentences":[{"text":"And then one of the investments that they also had in their portfolio was the corporate travel group.","start":1603.7201,"end":1609.7201,"sentiment":"neutral","sentiment_score":0.1031582530380951},{"text":"I'm not sure if you've seen or read anything, but they had a bit of issues with reporting, which meant that they had to cease that they were basically suspended from trading for a while because of it, which saw everything drop down and fluctuate.","start":1609.7201,"end":1625.965,"sentiment":"negative","sentiment_score":-0.35971658759646946},{"text":"So that one is, like I said, has underperformed.","start":1626.64,"end":1630.66,"sentiment":"negative","sentiment_score":-0.4187451700369517},{"text":"So the investment committee and everything after researching all the investment made the decision that we don't foresee that kind of coming back around and doing well in the future.","start":1631.04,"end":1640.5,"sentiment":"neutral","sentiment_score":-0.3052585298816363},{"text":"So we have swapped swapped it out for an alternative.","start":1640.8,"end":1644.725,"sentiment":"neutral","sentiment_score":0.11645865067839622}],"sentiment":"neutral","sentiment_score":-0.23296673042100988,"num_words":112,"start":1603.7201,"end":1644.725},{"sentences":[{"text":"All this is in that email as well if you do wanna go and obviously read on it because it is a lot to take in.","start":1646.065,"end":1651.845,"sentiment":"neutral","sentiment_score":0.210394941843473},{"text":"But, essentially, we have swapped it for the BetaShares Australia two hundred.","start":1652.705,"end":1657.6849,"sentiment":"neutral","sentiment_score":0.22618170082569122},{"text":"So, obviously, the portfolio we wanna keep a consistent asset class wise.","start":1658.3099,"end":1662.87,"sentiment":"neutral","sentiment_score":0.30366024871667224},{"text":"We don't wanna have you too much in just one industry or sector.","start":1662.87,"end":1665.9299,"sentiment":"neutral","sentiment_score":0.07579873072413298},{"text":"So by swapping out an Australian investment, we wanna include another Australian investment for you, which is that Australian 200.","start":1666.23,"end":1675.815,"sentiment":"neutral","sentiment_score":0.2207331269979477}],"sentiment":"neutral","sentiment_score":0.20757130026278725,"num_words":83,"start":1646.065,"end":1675.815},{"sentences":[{"text":"So that one just basically tracks the 200 largest companies listed on the ASX.","start":1675.815,"end":1681.2749,"sentiment":"neutral","sentiment_score":0.2586592137813568},{"text":"So it is a little bit cheaper than the Australian Equity and has performed a little bit better.","start":1683.255,"end":1688.315,"sentiment":"neutral","sentiment_score":0.3244744713107745},{"text":"So we have made the decision to swap that one out for you.","start":1688.5901,"end":1692.6101,"sentiment":"positive","sentiment_score":0.38112927744021785},{"text":"Do you have any questions with that?","start":1694.1901,"end":1696.37,"sentiment":"neutral","sentiment_score":0.013226225839129515},{"text":"Yes.","start":1710.5249,"end":1711.0249,"sentiment":"neutral","sentiment_score":0.01750248111784458}],"sentiment":"neutral","sentiment_score":0.27408558764617963,"num_words":53,"start":1675.815,"end":1711.0249},{"sentences":[{"text":"Correct.","start":1711.565,"end":1712.065,"sentiment":"neutral","sentiment_score":0.05464304983615875},{"text":"Yes.","start":1712.125,"end":1712.625,"sentiment":"neutral","sentiment_score":0.08159923553466797},{"text":"And by obviously, when you do sell the different investments as well, that can be capital gains tax, which, obviously, because the Benelon was down, we can then kind of offset that so you didn't have to pay, you know, tax on earnings and stuff like that.","start":1713.9299,"end":1727.115,"sentiment":"neutral","sentiment_score":0.17706246404571735},{"text":"So it worked out pretty well, but, essentially, what you said was exactly right.","start":1727.115,"end":1731.195,"sentiment":"positive","sentiment_score":0.46472773807389395},{"text":"So that's why we made that change.","start":1731.195,"end":1732.975,"sentiment":"positive","sentiment_score":0.34873066203934805}],"sentiment":"neutral","sentiment_score":0.24864972946899278,"num_words":70,"start":1711.565,"end":1732.975},{"sentences":[{"text":"And we do foresee that moving forward, it's going to be a little bit better.","start":1733.035,"end":1737.4349,"sentiment":"positive","sentiment_score":0.38725371460119884},{"text":"Now, obviously, you don't know what's going to happen in the world and markets and a lot of lot of changes the last twelve months, but that was as you have a look at your portfolio, that was the biggest kind of contributor to the portfolio kind of underperforming a little bit over the last twelve months, which you can see here if you look at that return per portfolio column, the second to the right.","start":1737.4349,"end":1759.565,"sentiment":"neutral","sentiment_score":-0.2285992491892294},{"text":"Can you see that one?","start":1759.565,"end":1760.785,"sentiment":"neutral","sentiment_score":-0.03205033466219902},{"text":"Yes.","start":1764.6849,"end":1765.1849,"sentiment":"neutral","sentiment_score":0.03381463140249252},{"text":"After fees.","start":1767.165,"end":1767.885,"sentiment":"neutral","sentiment_score":0.005923864431679249}],"sentiment":"neutral","sentiment_score":-0.1179729952768545,"num_words":99,"start":1733.035,"end":1767.885},{"sentences":[{"text":"Yes.","start":1767.885,"end":1768.205,"sentiment":"neutral","sentiment_score":0.05448893457651138},{"text":"Correct.","start":1768.205,"end":1768.705,"sentiment":"neutral","sentiment_score":0.0915006548166275},{"text":"Yes.","start":1773.6699,"end":1774.1699,"sentiment":"neutral","sentiment_score":0.066901795566082},{"text":"And in a high growth portfolio as well, because, obviously, going back to that Vanguard graft, there are years where things are going to do really well, and then there's some years where it's going to be a bit negative as well.","start":1774.3099,"end":1789.5851,"sentiment":"neutral","sentiment_score":-0.16800397191019284},{"text":"So in a high growth, typically speaking, we see the likelihood of a negative return is about one in every five years.","start":1789.5851,"end":1798.5651,"sentiment":"negative","sentiment_score":-0.3566193411296064}],"sentiment":"neutral","sentiment_score":-0.2192373274644809,"num_words":67,"start":1767.885,"end":1798.5651},{"sentences":[{"text":"Again, it depends kind of what is going on in the market and everything like that.","start":1799.88,"end":1804.4401,"sentiment":"neutral","sentiment_score":-0.014109834330156446},{"text":"So from, obviously, when you came on board and what's happened, it's not unexpected because we are investing in your high growth investments in trying to maximize that growth.","start":1804.4401,"end":1815.495,"sentiment":"neutral","sentiment_score":0.14679792163700894},{"text":"And part of the long term is that sometimes there will be at times when it's not so good, and then other years, it will be a lot better.","start":1815.495,"end":1824.5549,"sentiment":"neutral","sentiment_score":-0.10930641406568987},{"text":"So likelihood of that negative return is about one in every five years in a high growth portfolio, which does kind of, you know, align with what's happened to your portfolio as well.","start":1824.855,"end":1835.11,"sentiment":"neutral","sentiment_score":-0.2768037621722077},{"text":"Yeah.","start":1836.85,"end":1837.35,"sentiment":"neutral","sentiment_score":-0.001118037849664688}],"sentiment":"neutral","sentiment_score":-0.07661246128932193,"num_words":108,"start":1799.88,"end":1837.35},{"sentences":[{"text":"Now as you do also look at the other investments, you can see kind of how all of them have performed.","start":1839.9851,"end":1845.685,"sentiment":"neutral","sentiment_score":0.10772902341116042},{"text":"Like we said, Ben, along, we did swap out for you.","start":1846.545,"end":1849.665,"sentiment":"neutral","sentiment_score":0.16998172822323712},{"text":"You can see that the other one that was down is your BetaShares Global Cybersecurity.","start":1849.665,"end":1855.18,"sentiment":"neutral","sentiment_score":0.11979263350367546},{"text":"That one is more of a cyclical investment.","start":1856.04,"end":1858.7001,"sentiment":"neutral","sentiment_score":0.12059941049665213},{"text":"There's obviously a lot that's changing in the AI cybersecurity world, but we still think it's going to be a good investment long term.","start":1858.84,"end":1867.66,"sentiment":"neutral","sentiment_score":0.3034938007282714}],"sentiment":"neutral","sentiment_score":0.17946385450755495,"num_words":79,"start":1839.9851,"end":1867.66},{"sentences":[{"text":"So we're not too concerned of wanting to swap that one out yet because it has also in the last couple of years done really well.","start":1867.7749,"end":1874.495,"sentiment":"neutral","sentiment_score":0.3095382208434435},{"text":"So Fenelon didn't have the same conviction.","start":1874.495,"end":1877.315,"sentiment":"neutral","sentiment_score":0.03776106956814017},{"text":"But you can then also see that kind of the other investments, despite there being a bit of fluctuations, you can even see that the Europe investment was up by 14.95%.","start":1878.0149,"end":1889.49,"sentiment":"neutral","sentiment_score":0.2406759692295905},{"text":"The Meskewold, 17.","start":1889.87,"end":1891.73,"sentiment":"neutral","sentiment_score":0.036094170063734055},{"text":"You have Japan, Let me see here.","start":1892.51,"end":1895.085,"sentiment":"neutral","sentiment_score":0.011155259063733476}],"sentiment":"neutral","sentiment_score":0.21567088646839397,"num_words":74,"start":1867.7749,"end":1895.085},{"sentences":[{"text":"At about 23.","start":1895.085,"end":1896.785,"sentiment":"neutral","sentiment_score":-0.0014541946972409885},{"text":"So overall, the reason why, obviously, the portfolio was predominantly not so good was that you did have quite a bit in your Bennelong investment, which is the one that we've swapped out for you now.","start":1897.005,"end":1908.625,"sentiment":"neutral","sentiment_score":-0.11291901296418574},{"text":"Yep.","start":1910.02,"end":1910.52,"sentiment":"neutral","sentiment_score":0.05778273940086365},{"text":"Does that make sense?","start":1910.5801,"end":1911.4601,"sentiment":"neutral","sentiment_score":0.05738646723330021},{"text":"I know it's probably a lot to kind of Yeah.","start":1911.4601,"end":1914.68,"sentiment":"neutral","sentiment_score":-0.039950290042907}],"sentiment":"neutral","sentiment_score":-0.07743743227587806,"num_words":54,"start":1895.085,"end":1914.68},{"sentences":[{"text":"Yep.","start":1915.14,"end":1915.54,"sentiment":"neutral","sentiment_score":0.05142092704772949},{"text":"Okay.","start":1915.54,"end":1916.04,"sentiment":"neutral","sentiment_score":0.14187848567962646},{"text":"Perfect.","start":1916.1,"end":1916.6,"sentiment":"positive","sentiment_score":0.35665977001190186},{"text":"Now that was basically all of the investments.","start":1917.14,"end":1921.4,"sentiment":"neutral","sentiment_score":0.22841165773570538},{"text":"Now also the return that's returned on the investment.","start":1922.2949,"end":1924.5549,"sentiment":"neutral","sentiment_score":0.19179233577516344}],"sentiment":"neutral","sentiment_score":0.2051691733300686,"num_words":20,"start":1915.14,"end":1924.5549},{"sentences":[{"text":"So, obviously, if you have contributions going, this doesn't factor that in.","start":1924.615,"end":1928.475,"sentiment":"neutral","sentiment_score":0.12908166088163853},{"text":"So that is just the return on the investment after fee.","start":1928.7749,"end":1931.995,"sentiment":"neutral","sentiment_score":0.11196700822223317},{"text":"Yep.","start":1933.335,"end":1933.815,"sentiment":"neutral","sentiment_score":0.21099314093589783},{"text":"Perfect.","start":1933.815,"end":1934.315,"sentiment":"positive","sentiment_score":0.38091349601745605},{"text":"Now if you then wanna click on the link for me, I will just kind of talk you through the two documents that we'll need you to sign if you are comfortable to do so.","start":1936.34,"end":1946.76,"sentiment":"neutral","sentiment_score":0.14468336467232024}],"sentiment":"neutral","sentiment_score":0.14060735702514648,"num_words":60,"start":1924.615,"end":1946.76},{"sentences":[{"text":"But if you can click on the link, then I can show you the documents first.","start":1947.345,"end":1950.885,"sentiment":"neutral","sentiment_score":0.0875756018795073},{"text":"And there should be two.","start":1961.52,"end":1963.06,"sentiment":"neutral","sentiment_score":0.06116104871034622},{"text":"Now can you see the one where it says Netwealth advice fee consent?","start":1972.8151,"end":1976.675,"sentiment":"neutral","sentiment_score":0.05407694985087101},{"text":"Yeah.","start":1980.175,"end":1980.5751,"sentiment":"neutral","sentiment_score":0.16165569424629211},{"text":"Perfect.","start":1980.5751,"end":1981.0751,"sentiment":"neutral","sentiment_score":0.2663766145706177}],"sentiment":"neutral","sentiment_score":0.0788346536250578,"num_words":36,"start":1947.345,"end":1981.0751},{"sentences":[{"text":"Now this is your ongoing service agreement.","start":1981.375,"end":1984.115,"sentiment":"neutral","sentiment_score":0.21984695962497167},{"text":"So that is if you are happy to stay on as a client.","start":1984.335,"end":1987.35,"sentiment":"neutral","sentiment_score":0.26288870206246007},{"text":"We'll just need you to sign this document to say that we can obviously keep servicing your account.","start":1987.8099,"end":1993.2699,"sentiment":"neutral","sentiment_score":0.2343081682920456},{"text":"There is no lock in contract.","start":1994.37,"end":1995.9099,"sentiment":"neutral","sentiment_score":0.0461890505005916},{"text":"So if at any point in time you are not happy with the service or you wanna go elsewhere, there is no lock in contract whatsoever.","start":1995.97,"end":2004.0651,"sentiment":"neutral","sentiment_score":0.07977971004752013}],"sentiment":"neutral","sentiment_score":0.16464908053832394,"num_words":70,"start":1981.375,"end":2004.0651},{"sentences":[{"text":"This just allows us to service you until the next unreview unless you decide to cancel before then.","start":2004.525,"end":2010.7051,"sentiment":"neutral","sentiment_score":0.1520039364695549},{"text":"And then, obviously, you'd have to sign another ongoing agreement if you then wanna sign stay on board.","start":2010.8451,"end":2016.03,"sentiment":"neutral","sentiment_score":0.1842975972427262},{"text":"The fee itself is not changing.","start":2018.03,"end":2020.67,"sentiment":"neutral","sentiment_score":0.04946470035550495},{"text":"It's staying exactly the same at 1.65%, just from superannuation.","start":2020.67,"end":2025.81,"sentiment":"neutral","sentiment_score":0.26898073107004167},{"text":"Any questions with that?","start":2027.0701,"end":2028.53,"sentiment":"neutral","sentiment_score":0.07133854646235704}],"sentiment":"neutral","sentiment_score":0.1665245947411417,"num_words":56,"start":2004.525,"end":2028.53},{"sentences":[{"text":"Exactly.","start":2034.485,"end":2034.885,"sentiment":"neutral","sentiment_score":0.10959144681692123},{"text":"So it's saying exactly the same at 1.65.","start":2034.885,"end":2037.4451,"sentiment":"neutral","sentiment_score":0.13779303897172213},{"text":"It hasn't increased or changed at all.","start":2037.4451,"end":2039.545,"sentiment":"neutral","sentiment_score":-0.004556464829615184},{"text":"Yep.","start":2041.62,"end":2042.12,"sentiment":"neutral","sentiment_score":0.10211121290922164},{"text":"Any questions with that?","start":2043.06,"end":2044.36,"sentiment":"neutral","sentiment_score":0.04950897675007582}],"sentiment":"neutral","sentiment_score":0.070485124985377,"num_words":21,"start":2034.485,"end":2044.36},{"sentences":[{"text":"No.","start":2045.54,"end":2045.9401,"sentiment":"neutral","sentiment_score":-0.06754297763109207},{"text":"Perfect.","start":2045.9401,"end":2046.4401,"sentiment":"positive","sentiment_score":0.33363574743270874},{"text":"And then your last one is your there's a compliance document.","start":2046.8201,"end":2051.48,"sentiment":"neutral","sentiment_score":0.221986399455504},{"text":"Just to say that we are keeping your tax file number secure on file, essentially.","start":2052.02,"end":2056.665,"sentiment":"neutral","sentiment_score":0.3155922601620356},{"text":"Now those two documents are the ones that we'll need you to sign if you are happy to stay on board.","start":2058.2449,"end":2064.825,"sentiment":"neutral","sentiment_score":0.24210672151474727}],"sentiment":"neutral","sentiment_score":0.25563404526637523,"num_words":49,"start":2045.54,"end":2064.825},{"sentences":[{"text":"If you wanna take some time to obviously read through the document, by all means, you're more than welcome to do so.","start":2065.605,"end":2071.91,"sentiment":"neutral","sentiment_score":0.27466719529845496},{"text":"But, otherwise, we do need you to sign those documents when you have a moment.","start":2072.37,"end":2076.3901,"sentiment":"neutral","sentiment_score":0.12913470367590588},{"text":"We'll get notified when it comes through, and then we can get that all uploaded for you.","start":2077.17,"end":2082.71,"sentiment":"neutral","sentiment_score":0.2698114558177836},{"text":"In the meantime, like I said, I will get working on those figures for you and email that through to show you that if you, you know, didn't come on board where things would have been with us super, and I'll add all those disclaimers and everything like that into the email for you.","start":2083.5051,"end":2100.1199,"sentiment":"neutral","sentiment_score":0.08129133472512304},{"text":"Yep.","start":2100.5,"end":2101.0,"sentiment":"positive","sentiment_score":0.4662345051765442}],"sentiment":"neutral","sentiment_score":0.15983908422880833,"num_words":109,"start":2065.605,"end":2101.0},{"sentences":[{"text":"Now do you have any questions, or what are your thoughts on everything before I let you go and enjoy the rest of your afternoon?","start":2101.7,"end":2107.7998,"sentiment":"neutral","sentiment_score":0.31444676995277404},{"text":"Yep.","start":2128.01,"end":2128.51,"sentiment":"neutral","sentiment_score":0.06081046909093857},{"text":"Mhmm.","start":2140.9949,"end":2141.4949,"sentiment":"neutral","sentiment_score":-0.04437364265322685},{"text":"Yeah.","start":2156.37,"end":2156.865,"sentiment":"neutral","sentiment_score":-0.19170093536376953},{"text":"Yeah.","start":2167.665,"end":2167.985,"sentiment":"neutral","sentiment_score":-0.1060650646686554}],"sentiment":"neutral","sentiment_score":0.2613737956974013,"num_words":29,"start":2101.7,"end":2167.985},{"sentences":[{"text":"Yeah.","start":2167.985,"end":2168.485,"sentiment":"neutral","sentiment_score":-0.06490854918956757},{"text":"Yep.","start":2182.175,"end":2182.675,"sentiment":"neutral","sentiment_score":0.15410691499710083},{"text":"Yeah.","start":2186.655,"end":2187.155,"sentiment":"neutral","sentiment_score":0.0570167563855648},{"text":"Mhmm.","start":2200.91,"end":2201.23,"sentiment":"neutral","sentiment_score":-0.04562288150191307},{"text":"Yeah.","start":2201.23,"end":2201.73,"sentiment":"neutral","sentiment_score":-0.0679192766547203}],"sentiment":"neutral","sentiment_score":0.006534592807292938,"num_words":5,"start":2167.985,"end":2201.73},{"sentences":[{"text":"Yeah.","start":2219.3398,"end":2219.8398,"sentiment":"neutral","sentiment_score":-0.2759220600128174},{"text":"Yeah.","start":2225.26,"end":2225.76,"sentiment":"neutral","sentiment_score":-0.17445595562458038},{"text":"Yep.","start":2232.475,"end":2232.975,"sentiment":"neutral","sentiment_score":-0.09699521958827972},{"text":"Yep.","start":2238.155,"end":2238.655,"sentiment":"neutral","sentiment_score":-0.14085686206817627},{"text":"Yeah.","start":2239.675,"end":2240.175,"sentiment":"neutral","sentiment_score":-0.08144804835319519}],"sentiment":"neutral","sentiment_score":-0.15393562912940978,"num_words":5,"start":2219.3398,"end":2240.175},{"sentences":[{"text":"Yeah.","start":2240.955,"end":2241.455,"sentiment":"neutral","sentiment_score":-0.083027683198452},{"text":"Yep.","start":2244.17,"end":2244.67,"sentiment":"neutral","sentiment_score":-0.1746401488780975},{"text":"Yeah.","start":2245.13,"end":2245.63,"sentiment":"neutral","sentiment_score":-0.005175210535526276},{"text":"Yeah.","start":2263.3052,"end":2263.705,"sentiment":"neutral","sentiment_score":-0.11272809654474258},{"text":"Yeah.","start":2263.705,"end":2264.205,"sentiment":"neutral","sentiment_score":-0.058365680277347565}],"sentiment":"neutral","sentiment_score":-0.0867873638868332,"num_words":5,"start":2240.955,"end":2264.205},{"sentences":[{"text":"Yeah.","start":2271.34,"end":2271.84,"sentiment":"neutral","sentiment_score":-0.03722166642546654},{"text":"Yeah.","start":2275.7402,"end":2276.2402,"sentiment":"neutral","sentiment_score":-0.07902275025844574},{"text":"Yeah.","start":2278.06,"end":2278.56,"sentiment":"neutral","sentiment_score":-0.24699972569942472},{"text":"Daunting.","start":2279.1,"end":2279.6,"sentiment":"negative","sentiment_score":-0.6411241888999939},{"text":"Yeah.","start":2280.295,"end":2280.695,"sentiment":"neutral","sentiment_score":-0.08666680753231049}],"sentiment":"neutral","sentiment_score":-0.21820702776312828,"num_words":5,"start":2271.34,"end":2280.695},{"sentences":[{"text":"And, you know, I completely understand that as well.","start":2280.695,"end":2283.2551,"sentiment":"neutral","sentiment_score":-0.07679575143588914},{"text":"And, you know, with if it was consistently going down over time, then there's obviously something structural with the investments, and I would totally, totally get that.","start":2283.2551,"end":2293.355,"sentiment":"neutral","sentiment_score":-0.1554042510688305},{"text":"When I look, obviously, at the portfolio through time, it is expected to have that likelihood negative year, but, obviously, we want you to be comfortable.","start":2294.12,"end":2303.82,"sentiment":"neutral","sentiment_score":-0.0893727638400518},{"text":"So I'm more than happy to do this or super comparison for you.","start":2304.04,"end":2308.385,"sentiment":"positive","sentiment_score":0.6397353456570551},{"text":"What I can do as well is it's super easy to draw the report.","start":2308.385,"end":2311.665,"sentiment":"positive","sentiment_score":0.47776504712445395}],"sentiment":"neutral","sentiment_score":0.0875786713669809,"num_words":89,"start":2280.695,"end":2311.665},{"sentences":[{"text":"So what I can do is I can, with that email, actually send you the yearly report from when you came on board so you can see kind of, okay.","start":2311.665,"end":2320.66,"sentiment":"neutral","sentiment_score":0.2963716248671214},{"text":"Well, how has everything gone each year?","start":2320.66,"end":2323.06,"sentiment":"neutral","sentiment_score":0.2261943221092224},{"text":"So then you can also see that, you know, there are a bit of fluctuations, but also each year overall, if that would still put you in a better position even though this year wasn't as great, if the other years are still kind of putting that forward by more.","start":2323.06,"end":2337.855,"sentiment":"neutral","sentiment_score":0.08813206501305103},{"text":"Does that make sense?","start":2337.855,"end":2339.0752,"sentiment":"neutral","sentiment_score":0.08999578282237053},{"text":"Yeah.","start":2340.175,"end":2340.415,"sentiment":"neutral","sentiment_score":0.0942256525158882}],"sentiment":"neutral","sentiment_score":0.16668827212213175,"num_words":92,"start":2311.665,"end":2340.415},{"sentences":[{"text":"Would you would you would that would that be helpful if I send you those reports as well?","start":2340.415,"end":2345.155,"sentiment":"neutral","sentiment_score":0.08475147146317694},{"text":"Yeah.","start":2345.375,"end":2345.875,"sentiment":"neutral","sentiment_score":0.1798260509967804},{"text":"Perfect.","start":2347.8098,"end":2348.3098,"sentiment":"neutral","sentiment_score":-0.05345180630683899},{"text":"Obviously, the other thing to obviously, be mindful of when it comes to comparing different superannuations is how your money is invested, but then also, obviously, employee contributions and then how much how much he would potentially have because it compounds and obviously compare the return, which I'm sure you would do then, like, obviously, the the increase in the dollar value because the more you have, the more it compounds and grows quicker, if that makes sense.","start":2348.5298,"end":2373.7148,"sentiment":"neutral","sentiment_score":0.08827771313297443},{"text":"Yeah.","start":2374.655,"end":2375.155,"sentiment":"neutral","sentiment_score":0.15057016909122467}],"sentiment":"neutral","sentiment_score":0.08775891438879148,"num_words":99,"start":2340.415,"end":2375.155},{"sentences":[{"text":"Perfect.","start":2375.71,"end":2376.21,"sentiment":"positive","sentiment_score":0.6199939846992493},{"text":"Alright.","start":2376.35,"end":2376.59,"sentiment":"positive","sentiment_score":0.4969493150711059},{"text":"What I'll do is I will get this document for you.","start":2376.59,"end":2380.21,"sentiment":"positive","sentiment_score":0.36546810648658057},{"text":"I'll email that Australian super comparison.","start":2380.27,"end":2382.77,"sentiment":"positive","sentiment_score":0.38689175248146057},{"text":"I will send you the yearly reports as well.","start":2383.23,"end":2385.97,"sentiment":"neutral","sentiment_score":0.32540836930274963}],"sentiment":"positive","sentiment_score":0.370968511062009,"num_words":28,"start":2375.71,"end":2385.97},{"sentences":[{"text":"Now would you like me to give you a call in, like, a week or two once you've had a read through it to see how you feel, if you have any questions, what your thoughts are?","start":2386.6702,"end":2396.8152,"sentiment":"neutral","sentiment_score":0.2399512773027291},{"text":"Yeah?","start":2397.355,"end":2397.855,"sentiment":"neutral","sentiment_score":0.0950828492641449},{"text":"Now when is normally a good time for you?","start":2399.195,"end":2403.215,"sentiment":"neutral","sentiment_score":0.048851450284322105},{"text":"Okay.","start":2414.5,"end":2415.0,"sentiment":"neutral","sentiment_score":0.12067663669586182},{"text":"Perfect.","start":2415.1401,"end":2415.6401,"sentiment":"neutral","sentiment_score":0.26589763164520264}],"sentiment":"neutral","sentiment_score":0.19999015164010378,"num_words":49,"start":2386.6702,"end":2415.6401},{"sentences":[{"text":"Now I do have some availability in next Thursday.","start":2416.1,"end":2422.075,"sentiment":"neutral","sentiment_score":0.11102680696381463},{"text":"That is about 02:30.","start":2424.295,"end":2427.195,"sentiment":"neutral","sentiment_score":0.05340282432734966},{"text":"Do you think that would be okay, or would you want, like, another week after that?","start":2427.655,"end":2432.075,"sentiment":"neutral","sentiment_score":0.02828842046437785},{"text":"Yep.","start":2436.6301,"end":2437.11,"sentiment":"neutral","sentiment_score":0.0599697083234787},{"text":"Okay.","start":2437.11,"end":2437.61,"sentiment":"neutral","sentiment_score":0.05978942662477493}],"sentiment":"neutral","sentiment_score":0.057587949108452566,"num_words":31,"start":2416.1,"end":2437.61},{"sentences":[{"text":"I could do 10:00.","start":2438.31,"end":2441.77,"sentiment":"neutral","sentiment_score":0.0637162672355771},{"text":"Yeah.","start":2444.645,"end":2445.145,"sentiment":"neutral","sentiment_score":0.25233185291290283},{"text":"Okay.","start":2445.285,"end":2445.685,"sentiment":"neutral","sentiment_score":0.3115912675857544},{"text":"Perfect.","start":2445.685,"end":2446.185,"sentiment":"positive","sentiment_score":0.40591245889663696},{"text":"So I'll book that in on Thursday, the March 26 at 10AM.","start":2446.4849,"end":2451.865,"sentiment":"neutral","sentiment_score":0.26493819306294125}],"sentiment":"neutral","sentiment_score":0.23178731395225777,"num_words":19,"start":2438.31,"end":2451.865},{"sentences":[{"text":"If you have any questions or concerns before then, by all means, you can always give me a call and send me an email.","start":2452.2449,"end":2458.185,"sentiment":"neutral","sentiment_score":0.2358116265386343},{"text":"Otherwise, I will tryna get that reports and everything through you by end of business day tomorrow to give you some time to obviously have a read through everything, have a think about it, and then you can obviously let me know if you have any other concerns and what your thoughts are on Thursday next week.","start":2458.72,"end":2475.4548,"sentiment":"neutral","sentiment_score":0.2877706893180546},{"text":"Yep.","start":2476.4749,"end":2476.9749,"sentiment":"neutral","sentiment_score":0.2353682965040207},{"text":"Yeah.","start":2477.515,"end":2477.835,"sentiment":"neutral","sentiment_score":0.3020743131637573},{"text":"Perfect.","start":2477.835,"end":2478.335,"sentiment":"positive","sentiment_score":0.3859935998916626}],"sentiment":"neutral","sentiment_score":0.2736410064001878,"num_words":84,"start":2452.2449,"end":2478.335},{"sentences":[{"text":"So I can either get someone to contact Netwealth on your behalf and get Netwealth to call you.","start":2485.595,"end":2490.94,"sentiment":"neutral","sentiment_score":0.04850942569060458},{"text":"Because of because of privacy, we can't do it.","start":2491.0,"end":2495.08,"sentiment":"neutral","sentiment_score":-0.02282433667116695},{"text":"I can get Netwealth to call you, or if you want to call Netwealth yourself and request access.","start":2495.08,"end":2503.025,"sentiment":"neutral","sentiment_score":0.05465756273931927},{"text":"It's whatever is easiest for you.","start":2503.325,"end":2505.105,"sentiment":"neutral","sentiment_score":0.17255664616823196},{"text":"Yeah.","start":2506.845,"end":2507.345,"sentiment":"neutral","sentiment_score":0.2132257968187332}],"sentiment":"neutral","sentiment_score":0.05577216222165869,"num_words":52,"start":2485.595,"end":2507.345},{"sentences":[{"text":"Yeah.","start":2507.965,"end":2508.285,"sentiment":"positive","sentiment_score":0.41164958477020264},{"text":"Perfect.","start":2508.285,"end":2508.765,"sentiment":"positive","sentiment_score":0.6981850862503052},{"text":"I will get the team to call Netwealth and get Netwealth to give you a call.","start":2508.765,"end":2512.865,"sentiment":"positive","sentiment_score":0.39647363126277924},{"text":"If they haven't given you a call in a day or two, even just let me know, and I'll see if I can follow-up with them.","start":2513.3699,"end":2520.3499,"sentiment":"neutral","sentiment_score":0.1609007601554577},{"text":"But it depends also, you know, their backlog and stuff.","start":2520.8098,"end":2523.0498,"sentiment":"neutral","sentiment_score":0.015920478478074075}],"sentiment":"neutral","sentiment_score":0.21844513555643735,"num_words":54,"start":2507.965,"end":2523.0498},{"sentences":[{"text":"But I'll make a little note here as well to touch base at least next Thursday to see if someone from Netwealth actually called you and if you were able to get into your account as well.","start":2523.0498,"end":2532.445,"sentiment":"neutral","sentiment_score":0.12534950834673805},{"text":"Yeah.","start":2533.785,"end":2534.285,"sentiment":"positive","sentiment_score":0.4660693407058716},{"text":"No.","start":2534.425,"end":2534.665,"sentiment":"neutral","sentiment_score":0.004801444709300995},{"text":"That's okay.","start":2534.665,"end":2535.565,"sentiment":"neutral","sentiment_score":0.04549899511039257},{"text":"Do you have any other questions for me at this point otherwise before I let you go?","start":2535.705,"end":2540.525,"sentiment":"neutral","sentiment_score":-0.0010486131205278285}],"sentiment":"neutral","sentiment_score":0.08934438209338434,"num_words":58,"start":2523.0498,"end":2540.525},{"sentences":[{"text":"No?","start":2542.77,"end":2543.27,"sentiment":"neutral","sentiment_score":-0.15438587963581085},{"text":"No.","start":2544.61,"end":2545.11,"sentiment":"neutral","sentiment_score":-0.013632960617542269},{"text":"Alright.","start":2545.1702,"end":2545.57,"sentiment":"neutral","sentiment_score":0.243065282702446},{"text":"Perfect.","start":2545.57,"end":2546.07,"sentiment":"positive","sentiment_score":0.5682021379470825},{"text":"Well, thank you so much for your time today, and I hope you enjoy the rest of your afternoon.","start":2546.2102,"end":2550.6902,"sentiment":"positive","sentiment_score":0.7620905700482821}],"sentiment":"positive","sentiment_score":0.657520409187545,"num_words":23,"start":2542.77,"end":2550.6902},{"sentences":[{"text":"And I look forward to speaking with you next Thursday.","start":2550.6902,"end":2553.03,"sentiment":"positive","sentiment_score":0.7014746606349945},{"text":"Mhmm.","start":2555.2349,"end":2555.315,"sentiment":"neutral","sentiment_score":0.1693127453327179},{"text":"No problem.","start":2555.315,"end":2555.9548,"sentiment":"neutral","sentiment_score":0.20505307614803314},{"text":"We'll speak soon.","start":2555.9548,"end":2556.935,"sentiment":"neutral","sentiment_score":0.24733241895834604},{"text":"Bye.","start":2558.595,"end":2559.095,"sentiment":"neutral","sentiment_score":-0.06568772345781326}],"sentiment":"positive","sentiment_score":0.48649853161152673,"num_words":17,"start":2550.6902,"end":2559.095}]}}]},{"alternatives":[{"transcript":"Hello. Candice speaking. Good afternoon. This is Sorry. I missed where you're calling from. Oh, hi. How are you? Yeah. Good. Thank you. Yeah. We can do that. Yeah. No problem. Yeah. That's fine. Yep. Candice in Ellensburg, 27th Of The 5th 83. Sorry. What was it? My address? Yep. 40 Harrier Drive, Burley Waters 4220 And 27th Of The 5th 83. Yeah. I mean, it's just a a a sort of, I guess, just a general overview of where we're sitting. And I always like to kind of see I think in in in the past, they've sort of given me an indication of where I would sort of be sitting if I had continued staying with Australian is it Australian Super Bowl or my old Superfund? I can't think of them now. Right. Yeah. Australian Super it was, I think. All good. Yes. Yeah. Great. No. I yeah. It would be good to see overall because obviously yeah. Yeah. It was kind of that's kind of like, we've, yeah, it it's kind of, I guess, the the easiest way for me to compare if this is kind of going in the direction that we sort of wanted to because it wasn't that I was over it wasn't that I was unhappy with Australian Superlight. Generally, that was going you know, that that was going quite well. So I guess it's just yeah. Whether I guess it's worth the investment, yeah, in this, basically. Yeah. Definitely. Yeah. I get what you yeah. No. I get what you mean. Like and I do appreciate that, like, the insurance is a lot, you know, more thorough with what I have now as like, compared to, like, just the standard, I guess, you know, insurance that I had with that. So I'm happy for you to just, I guess, make, you know, just even even just based on the average, you know, insurance that I had, and I can kind of have that in consideration when reviewing there. Yeah. Okay. Yep. Yeah. Yeah. Okay. Great. Yeah. Okay. Great. Yes. Perfect. Oh, yeah. That's fine. There's no major rush in it. That's fine. It is is is it so this is before tax? 104,000. Well, yeah, are you are you able to assume a 104, but with but with the but with the, I guess, rates and and and and and all that kind of stuff from Australian Super, if if you know what I mean? Yeah. Okay. Great. Yep. Well yeah. I guess because, I mean, it yeah. I mean, it it just well, it's I mean, like yeah. I mean, because, obviously, like, as my income has increased, that would have increased with Australian Super as well. Do you know what I mean? So whatever well, I guess, whatever it is, yeah, as long as as long as it's kind of you're looking at the same income across yeah. Exactly. Yeah. Yeah. Yeah. Great. Yeah. I mean, yeah, I think just, I guess, just to run through things. I I also I've set I haven't really had the time or chance to kind of look into it properly. But, basically, I got recently a new iPhone, and I haven't been able to I need to set up a new what do you call it? I need to set up my auth and, you know, the yeah. To be able to get in. So I can't really look too much about I'd like where we're sitting right now because I just don't have it set up to get in. Okay. Great. Okay. Yeah. Correct. Yeah. Yep. That's correct. No. It's yeah. No. It's pretty much just the same. Just doing more hours really now. It's full time now. Yeah. Just the standard they would do. Yeah. No. Not at the moment. No. Yeah. That's about right. No. That's now sitting at surely paid off of that. Like, 750,000. Yep. We still have that. Yep. You can put that up to 1,000,000. Yeah. Correct. So that has now been sold. That's the Pingabe one. Is that correct? Yeah. That would be. Not at this stage. No. Yeah. Is that the Kia? Do you have that? Yep. So that would have come down slightly, I think. Probably, like, maybe, like, 45. No. So there's about we are looking at doing renovations, but there's about 3,300,000 sitting in that at the moment. No. No. No. Yes. Yes. I do. Yeah. That's I only did that recently in the last sort of, you know, last six months anyway. No. No. Yes. Maybe not the I mean, look, long term, we'd love to get into maybe, like, flipping a property or something like that. But just at the moment, it just I just don't think we have the what do you call it? The the, like, financial Yep. Like, borrowing power, really, at the moment. Yeah. But that's our long term goal. Okay. Yep. No. That's yep. Keep going. Have I ever what? Sorry? I've only dabbled in a bit of the, like, raise, you know, raise. So it's just like a little kind of online kind of thing where it kind of like, yeah, it's it's it's it's very minimal. It's, like, $20 a week. Yeah. And they just kind of buy it for you, and I just you know? So yeah. I don't know if that counts, but that's all I've done. That yeah. Yeah. So I literally just started it recently, so this is, like, $500 in it. Yeah. Yeah. I guess so. Yep. Right. Okay. Yeah. Yeah. I would say, like, high risk, moderate. Like yeah. The first one. Maybe the second one. Maybe cautious. No. I don't think I can do that. Yeah. I don't think I would borrow in order to invest yet. I was kind of I I would assume a a bit of it, but, yeah, feel free to give me a quick rundown. No. I'm generally comfortable with that. Yes. K. Is that the signature request? Is that that one? Yeah. Yes. Yes. Okay. Okay. Yes. Okay. Yep. Okay. Yep. Right. Okay. No. I think I'm comfortable with where that's sitting. Yeah. Sure. Is that back on the email? Okay. Yeah. And what so when you say what what are we looking at going up here? Is that actual super is that superannuation? Right. Okay. Oh, okay. Yeah. I see them on the side there. Yeah. Mhmm. Yeah. One second. Yep. Okay. No. I'm on a laptop folder. I'm not sure. I can't remember. Was that was that recently? Okay. Okay. I can have a look at that. Right. Right. Yes. Okay. Alright. So so no. Okay. So, essentially, it had gone down. So we sold at a at a at while it was down, and then we bought something else. But to we've sold because we're thinking it would continue to go down. Yeah. Okay. Okay. Yes. Yeah. So so for the last for over the last twelve months, I'm sitting at minus 1.7. Oh, okay. I think that's the first time that's happened. Yeah. Right. Okay. Yeah. Okay. Right. Okay. Yep. No. That makes sense. Yes. That's yeah, that was fine. Okay. Right. Yep. So that's the fee that it's been that's like the what it's been the last few years, is it? Right. Okay. No. Okay. Yep. Great. Oh, look. You know, I mean, I get the whole, like, market and everything like that, but I guess it just depends on where everything's sitting. All I know is is that my husband's super he's he's not invested the time or anything into, you know, trying to do you know, be proactive or working with a company or whatever. He just sits with, like, you know, the standard whatever, and we've done we've, Nest. And he's super he's doing better than mine. So I guess it's kind of like I am concerned to see a minor number there because, I guess, for me, it's kind of like, you know, if you're investing in professionals and extra advisers looking over your and and and it's and they're not getting it right. You know? So I yeah. Like, seeing a negative figure is definitely a big one for me because it's not even like a small percentage. It's actually in the red. So I definitely I mean yeah. I mean, I know I'm sort of willing to take on the risk and stuff like that, but there's also, like there's the reason why you're investing sorry, why you're why you're, you know, spending money, you know, to have people kind of watching over this for you and stuff like that as well. So, I mean, over the last couple of years, like, I haven't really been seeing a significant, I guess, improvement to warrant, I guess, that investment, if you know what I mean. So I don't know. I'm I'm I'm I am I am thinking that this might be the year that I kind of shift and go back to, you know, go back to a a a a normal fund because I just I I don't know if the, you know, wall's being kinda caught over my eyes here a bit like and I just I actually don't feel very confident in this at the moment, to be honest. So because it just as I said, I said, I I just see my husband's super sort of growing, and he's not doing he's just with the standard fund. And so I just feel like, you know, with all the fees and everything and I know don't get me wrong. I know there is an extra insurance kind of that I am getting higher insurance than I was. That is a bonus, but, ultimately, I could organize insurance myself. You know? And we're talking about yeah. Like, I mean, I'm not I'm like the, you know, the mom and the of the family, if you know what I mean. So I've kind of given up my ability to earn, you know, huge amounts of money to stay home and stay and look after the kids and everything. So I'm kind of capped at the moment where I'm sitting, and I just, like, need everything to be working as good as possible. And as I said, just seeing that minus there is quite quite disheartening. Yes. Yes. Yep. Yeah. Yeah. That's fine. Yeah. That would be yeah. That would be helpful. Yeah. Yeah. For sure. Yeah. Sure. That's fine. It's hard to say. Just I mean, generally, not Monday and Tuesday. They are my busiest days, so you can try me on a Wednesday or Thursday. That's fine. Yeah. That's maybe a little bit earlier than 02:30. Yeah. That's great. Yep. Okay. Great. And then how would I go about getting someone contacting me so I can get access into my account help me get access to my account again? Yeah. If you could get someone to call me, that would be awesome. Okay. Great. Okay. Great. Thank you. No. That's no. That's that's all good. Awesome. Thanks so much. Okay. 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Candice speaking. Good afternoon. This is Sorry. I missed where you're calling from.\n\nOh, hi. How are you? Yeah. Good. Thank you.\n\nYeah. We can do that. Yeah. No problem. Yeah.\n\nThat's fine. Yep. Candice in Ellensburg, 27th Of The 5th 83. Sorry. What was it?\n\nMy address? Yep. 40 Harrier Drive, Burley Waters 4220 And 27th Of The 5th 83. Yeah. I mean, it's just a a a sort of, I guess, just a general overview of where we're sitting.\n\nAnd I always like to kind of see I think in in in the past, they've sort of given me an indication of where I would sort of be sitting if I had continued staying with Australian is it Australian Super Bowl or my old Superfund? I can't think of them now. Right. Yeah. Australian Super it was, I think.\n\nAll good. Yes. Yeah. Great. No.\n\nI yeah. It would be good to see overall because obviously yeah. Yeah. It was kind of that's kind of like, we've, yeah, it it's kind of, I guess, the the easiest way for me to compare if this is kind of going in the direction that we sort of wanted to because it wasn't that I was over it wasn't that I was unhappy with Australian Superlight. Generally, that was going you know, that that was going quite well.\n\nSo I guess it's just yeah. Whether I guess it's worth the investment, yeah, in this, basically. Yeah. Definitely. Yeah.\n\nI get what you yeah. No. I get what you mean. Like and I do appreciate that, like, the insurance is a lot, you know, more thorough with what I have now as like, compared to, like, just the standard, I guess, you know, insurance that I had with that. So I'm happy for you to just, I guess, make, you know, just even even just based on the average, you know, insurance that I had, and I can kind of have that in consideration when reviewing there.\n\nYeah. Okay. Yep. Yeah. Yeah.\n\nOkay. Great. Yeah. Okay. Great.\n\nYes. Perfect. Oh, yeah. That's fine. There's no major rush in it.\n\nThat's fine. It is is is it so this is before tax? 104,000. Well, yeah, are you are you able to assume a 104, but with but with the but with the, I guess, rates and and and and and all that kind of stuff from Australian Super, if if you know what I mean? Yeah.\n\nOkay. Great. Yep. Well yeah. I guess because, I mean, it yeah.\n\nI mean, it it just well, it's I mean, like yeah. I mean, because, obviously, like, as my income has increased, that would have increased with Australian Super as well. Do you know what I mean? So whatever well, I guess, whatever it is, yeah, as long as as long as it's kind of you're looking at the same income across yeah. Exactly.\n\nYeah. Yeah. Yeah. Great. Yeah.\n\nI mean, yeah, I think just, I guess, just to run through things. I I also I've set I haven't really had the time or chance to kind of look into it properly. But, basically, I got recently a new iPhone, and I haven't been able to I need to set up a new what do you call it? I need to set up my auth and, you know, the yeah. To be able to get in.\n\nSo I can't really look too much about I'd like where we're sitting right now because I just don't have it set up to get in. Okay. Great. Okay. Yeah.\n\nCorrect. Yeah. Yep. That's correct. No.\n\nIt's yeah. No. It's pretty much just the same. Just doing more hours really now. It's full time now.\n\nYeah. Just the standard they would do. Yeah. No. Not at the moment.\n\nNo. Yeah. That's about right. No. That's now sitting at surely paid off of that.\n\nLike, 750,000. Yep. We still have that. Yep. You can put that up to 1,000,000.\n\nYeah. Correct. So that has now been sold. That's the Pingabe one. Is that correct?\n\nYeah. That would be. Not at this stage. No. Yeah.\n\nIs that the Kia? Do you have that? Yep. So that would have come down slightly, I think. Probably, like, maybe, like, 45.\n\nNo. So there's about we are looking at doing renovations, but there's about 3,300,000 sitting in that at the moment. No. No. No.\n\nYes. Yes. I do. Yeah. That's I only did that recently in the last sort of, you know, last six months anyway.\n\nNo. No. Yes. Maybe not the I mean, look, long term, we'd love to get into maybe, like, flipping a property or something like that. But just at the moment, it just I just don't think we have the what do you call it?\n\nThe the, like, financial Yep. Like, borrowing power, really, at the moment. Yeah. But that's our long term goal. Okay.\n\nYep. No. That's yep. Keep going. Have I ever what?\n\nSorry? I've only dabbled in a bit of the, like, raise, you know, raise. So it's just like a little kind of online kind of thing where it kind of like, yeah, it's it's it's it's very minimal. It's, like, $20 a week. Yeah.\n\nAnd they just kind of buy it for you, and I just you know? So yeah. I don't know if that counts, but that's all I've done. That yeah. Yeah.\n\nSo I literally just started it recently, so this is, like, $500 in it. Yeah. Yeah. I guess so. Yep.\n\nRight. Okay. Yeah. Yeah. I would say, like, high risk, moderate.\n\nLike yeah. The first one. Maybe the second one. Maybe cautious. No.\n\nI don't think I can do that. Yeah. I don't think I would borrow in order to invest yet. I was kind of I I would assume a a bit of it, but, yeah, feel free to give me a quick rundown. No.\n\nI'm generally comfortable with that. Yes. K. Is that the signature request? Is that that one?\n\nYeah. Yes. Yes. Okay. Okay.\n\nYes. Okay. Yep. Okay. Yep.\n\nRight. Okay. No. I think I'm comfortable with where that's sitting. Yeah.\n\nSure. Is that back on the email? Okay. Yeah. And what so when you say what what are we looking at going up here?\n\nIs that actual super is that superannuation? Right. Okay. Oh, okay. Yeah.\n\nI see them on the side there. Yeah. Mhmm. Yeah. One second.\n\nYep. Okay. No. I'm on a laptop folder. I'm not sure.\n\nI can't remember. Was that was that recently? Okay. Okay. I can have a look at that.\n\nRight. Right. Yes. Okay. Alright.\n\nSo so no. Okay. So, essentially, it had gone down. So we sold at a at a at while it was down, and then we bought something else. But to we've sold because we're thinking it would continue to go down.\n\nYeah. Okay. Okay. Yes. Yeah.\n\nSo so for the last for over the last twelve months, I'm sitting at minus 1.7. Oh, okay. I think that's the first time that's happened. Yeah. Right.\n\nOkay. Yeah. Okay. Right. Okay.\n\nYep. No. That makes sense. Yes. That's yeah, that was fine.\n\nOkay. Right. Yep. So that's the fee that it's been that's like the what it's been the last few years, is it? Right.\n\nOkay. No. Okay. Yep. Great.\n\nOh, look. You know, I mean, I get the whole, like, market and everything like that, but I guess it just depends on where everything's sitting. All I know is is that my husband's super he's he's not invested the time or anything into, you know, trying to do you know, be proactive or working with a company or whatever. He just sits with, like, you know, the standard whatever, and we've done we've, Nest. And he's super he's doing better than mine.\n\nSo I guess it's kind of like I am concerned to see a minor number there because, I guess, for me, it's kind of like, you know, if you're investing in professionals and extra advisers looking over your and and and it's and they're not getting it right. You know? So I yeah. Like, seeing a negative figure is definitely a big one for me because it's not even like a small percentage. It's actually in the red.\n\nSo I definitely I mean yeah. I mean, I know I'm sort of willing to take on the risk and stuff like that, but there's also, like there's the reason why you're investing sorry, why you're why you're, you know, spending money, you know, to have people kind of watching over this for you and stuff like that as well. So, I mean, over the last couple of years, like, I haven't really been seeing a significant, I guess, improvement to warrant, I guess, that investment, if you know what I mean. So I don't know. I'm I'm I'm I am I am thinking that this might be the year that I kind of shift and go back to, you know, go back to a a a a normal fund because I just I I don't know if the, you know, wall's being kinda caught over my eyes here a bit like and I just I actually don't feel very confident in this at the moment, to be honest.\n\nSo because it just as I said, I said, I I just see my husband's super sort of growing, and he's not doing he's just with the standard fund. And so I just feel like, you know, with all the fees and everything and I know don't get me wrong. I know there is an extra insurance kind of that I am getting higher insurance than I was. That is a bonus, but, ultimately, I could organize insurance myself. You know?\n\nAnd we're talking about yeah. Like, I mean, I'm not I'm like the, you know, the mom and the of the family, if you know what I mean. So I've kind of given up my ability to earn, you know, huge amounts of money to stay home and stay and look after the kids and everything. So I'm kind of capped at the moment where I'm sitting, and I just, like, need everything to be working as good as possible. And as I said, just seeing that minus there is quite quite disheartening.\n\nYes. Yes. Yep. Yeah. Yeah.\n\nThat's fine. Yeah. That would be yeah. That would be helpful. Yeah.\n\nYeah. For sure. Yeah. Sure. That's fine.\n\nIt's hard to say. Just I mean, generally, not Monday and Tuesday. They are my busiest days, so you can try me on a Wednesday or Thursday. That's fine. Yeah.\n\nThat's maybe a little bit earlier than 02:30. Yeah. That's great. Yep. Okay.\n\nGreat. And then how would I go about getting someone contacting me so I can get access into my account help me get access to my account again? Yeah. If you could get someone to call me, that would be awesome. Okay.\n\nGreat. Okay. Great. Thank you. No.\n\nThat's no. That's that's all good. Awesome. Thanks so much. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.03195752948522568},{"text":"Candice speaking.","start":0.71999997,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04188338294625282},{"text":"Good afternoon.","start":2.72,"end":3.54,"sentiment":"neutral","sentiment_score":0.31076373904943466},{"text":"This is Sorry.","start":3.6,"end":7.12,"sentiment":"neutral","sentiment_score":0.10184960563977559},{"text":"I missed where you're calling from.","start":7.12,"end":9.38,"sentiment":"neutral","sentiment_score":-0.06814926738540332}],"sentiment":"neutral","sentiment_score":0.045278927577393394,"num_words":14,"start":0.39999998,"end":9.38},{"sentences":[{"text":"Oh, hi.","start":11.599999,"end":12.16,"sentiment":"neutral","sentiment_score":0.057488543912768364},{"text":"How are you?","start":12.16,"end":12.98,"sentiment":"neutral","sentiment_score":0.07036795218785603},{"text":"Yeah.","start":14.875,"end":15.115,"sentiment":"neutral","sentiment_score":0.20997373759746552},{"text":"Good.","start":15.115,"end":15.3550005,"sentiment":"positive","sentiment_score":0.4662949740886688},{"text":"Thank you.","start":15.3550005,"end":16.095001,"sentiment":"positive","sentiment_score":0.6331529319286346}],"sentiment":"neutral","sentiment_score":0.2520728355480565,"num_words":9,"start":11.599999,"end":16.095001},{"sentences":[{"text":"Yeah.","start":22.154999,"end":22.395,"sentiment":"neutral","sentiment_score":0.1855393946170807},{"text":"We can do that.","start":22.395,"end":23.035,"sentiment":"neutral","sentiment_score":0.20256519317626953},{"text":"Yeah.","start":23.035,"end":23.355,"sentiment":"neutral","sentiment_score":0.13489657640457153},{"text":"No problem.","start":23.355,"end":24.015,"sentiment":"neutral","sentiment_score":0.15521053969860077},{"text":"Yeah.","start":36.15,"end":36.47,"sentiment":"neutral","sentiment_score":0.1455005556344986}],"sentiment":"neutral","sentiment_score":0.17629093097315895,"num_words":9,"start":22.154999,"end":36.47},{"sentences":[{"text":"That's fine.","start":36.47,"end":37.29,"sentiment":"neutral","sentiment_score":0.23418573290109634},{"text":"Yep.","start":46.375,"end":46.875,"sentiment":"neutral","sentiment_score":0.015763014554977417},{"text":"Candice in Ellensburg, 27th Of The 5th 83.","start":47.735,"end":52.315002,"sentiment":"neutral","sentiment_score":0.014721118845045567},{"text":"Sorry.","start":52.855,"end":53.095,"sentiment":"neutral","sentiment_score":-0.027426501736044884},{"text":"What was it?","start":53.095,"end":53.655,"sentiment":"neutral","sentiment_score":-0.0179410083219409}],"sentiment":"neutral","sentiment_score":0.03471026029437781,"num_words":15,"start":36.47,"end":53.655},{"sentences":[{"text":"My address?","start":53.655,"end":54.235,"sentiment":"neutral","sentiment_score":-0.010210176929831505},{"text":"Yep.","start":56.989998,"end":57.489998,"sentiment":"neutral","sentiment_score":0.012672729790210724},{"text":"40 Harrier Drive, Burley Waters 4220 And 27th Of The 5th 83.","start":58.27,"end":63.89,"sentiment":"neutral","sentiment_score":0.01804656822544833},{"text":"Yeah.","start":81.29,"end":81.61,"sentiment":"neutral","sentiment_score":-0.02819390594959259},{"text":"I mean, it's just a a a sort of, I guess, just a general overview of where we're sitting.","start":81.61,"end":89.07,"sentiment":"neutral","sentiment_score":-0.012040925310238412}],"sentiment":"neutral","sentiment_score":-0.0013760083488055638,"num_words":35,"start":53.655,"end":89.07},{"sentences":[{"text":"And I always like to kind of see I think in in in the past, they've sort of given me an indication of where I would sort of be sitting if I had continued staying with Australian is it Australian Super Bowl or my old Superfund?","start":90.89,"end":108.185,"sentiment":"neutral","sentiment_score":-0.02342063458585788},{"text":"I can't think of them now.","start":108.325,"end":109.71,"sentiment":"neutral","sentiment_score":-0.10003348564108212},{"text":"Right.","start":111.63,"end":112.13,"sentiment":"neutral","sentiment_score":0.014183539897203444},{"text":"Yeah.","start":122.03,"end":122.43,"sentiment":"neutral","sentiment_score":-0.061526913195848465},{"text":"Australian Super it was, I think.","start":122.43,"end":124.369995,"sentiment":"neutral","sentiment_score":-0.09701516851782799}],"sentiment":"neutral","sentiment_score":-0.0384497414866928,"num_words":60,"start":90.89,"end":124.369995},{"sentences":[{"text":"All good.","start":135.465,"end":136.205,"sentiment":"positive","sentiment_score":0.7778725028038025},{"text":"Yes.","start":145.95999,"end":146.45999,"sentiment":"neutral","sentiment_score":0.20974379777908325},{"text":"Yeah.","start":157.04501,"end":157.365,"sentiment":"neutral","sentiment_score":0.26394516229629517},{"text":"Great.","start":157.365,"end":157.865,"sentiment":"positive","sentiment_score":0.6120429039001465},{"text":"No.","start":168.23001,"end":168.43001,"sentiment":"neutral","sentiment_score":-0.011140506714582443}],"sentiment":"positive","sentiment_score":0.43838939381142455,"num_words":6,"start":135.465,"end":168.43001},{"sentences":[{"text":"I yeah.","start":168.43001,"end":169.03,"sentiment":"neutral","sentiment_score":0.04261988401412964},{"text":"It would be good to see overall because obviously yeah.","start":169.03,"end":172.87001,"sentiment":"neutral","sentiment_score":0.27302601784467695},{"text":"Yeah.","start":172.87001,"end":173.19,"sentiment":"neutral","sentiment_score":0.19321849942207336},{"text":"It was kind of that's kind of like, we've, yeah, it it's kind of, I guess, the the easiest way for me to compare if this is kind of going in the direction that we sort of wanted to because it wasn't that I was over it wasn't that I was unhappy with Australian Superlight.","start":173.19,"end":189.945,"sentiment":"neutral","sentiment_score":0.16552779545838184},{"text":"Generally, that was going you know, that that was going quite 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yeah.","start":251.54,"end":254.09999,"sentiment":"neutral","sentiment_score":-0.040570173785090445},{"text":"No.","start":254.09999,"end":254.34,"sentiment":"neutral","sentiment_score":-0.04974425956606865},{"text":"I get what you mean.","start":254.34,"end":255.06,"sentiment":"neutral","sentiment_score":-0.011928337067365647},{"text":"Like and I do appreciate that, like, the insurance is a lot, you know, more thorough with what I have now as like, compared to, like, just the standard, I guess, you know, insurance that I had with that.","start":255.06,"end":268.35498,"sentiment":"neutral","sentiment_score":0.14782131100312257},{"text":"So I'm happy for you to just, I guess, make, you know, just even even just based on the average, you know, insurance that I had, and I can kind of have that in consideration when reviewing 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yeah.","start":320.005,"end":320.405,"sentiment":"neutral","sentiment_score":0.19475019723176956},{"text":"That's fine.","start":320.405,"end":320.965,"sentiment":"neutral","sentiment_score":0.2966194450855255},{"text":"There's no major rush in it.","start":320.965,"end":322.165,"sentiment":"neutral","sentiment_score":0.16405932853619257}],"sentiment":"neutral","sentiment_score":0.24833515783150992,"num_words":12,"start":310.81,"end":322.165},{"sentences":[{"text":"That's fine.","start":322.165,"end":322.905,"sentiment":"positive","sentiment_score":0.3907185345888138},{"text":"It is is is it so this is before tax?","start":350.245,"end":357.64,"sentiment":"neutral","sentiment_score":-0.017540187388658524},{"text":"104,000.","start":359.78003,"end":361.24002,"sentiment":"neutral","sentiment_score":0.0341842956840992},{"text":"Well, yeah, are you are you able to assume a 104, but with but with the but with the, I guess, rates and and and and and all that kind of stuff from Australian Super, if if you know what I mean?","start":392.17,"end":406.225,"sentiment":"neutral","sentiment_score":0.0003893212526149693},{"text":"Yeah.","start":406.52502,"end":406.845,"sentiment":"neutral","sentiment_score":0.1644330620765686}],"sentiment":"neutral","sentiment_score":0.014660786529670336,"num_words":56,"start":322.165,"end":406.845},{"sentences":[{"text":"Okay.","start":406.845,"end":407.24503,"sentiment":"positive","sentiment_score":0.3719320893287658},{"text":"Great.","start":407.24503,"end":407.74503,"sentiment":"positive","sentiment_score":0.6468125581741333},{"text":"Yep.","start":422.72,"end":423.22,"sentiment":"neutral","sentiment_score":0.07403121888637543},{"text":"Well yeah.","start":425.28497,"end":425.84497,"sentiment":"neutral","sentiment_score":-0.011568109504878521},{"text":"I guess because, I mean, it yeah.","start":425.84497,"end":427.365,"sentiment":"neutral","sentiment_score":-0.031038292550614903}],"sentiment":"neutral","sentiment_score":0.07103096662710111,"num_words":12,"start":406.845,"end":427.365},{"sentences":[{"text":"I mean, it it just well, it's I mean, like yeah.","start":427.365,"end":430.245,"sentiment":"neutral","sentiment_score":0.022235990417274563},{"text":"I mean, because, obviously, like, as my income has increased, that would have increased with Australian Super as well.","start":430.245,"end":436.645,"sentiment":"neutral","sentiment_score":0.06718610629047218},{"text":"Do you know what I mean?","start":436.645,"end":437.52,"sentiment":"neutral","sentiment_score":-0.01524248905479908},{"text":"So whatever well, I guess, whatever it is, yeah, as long as as long as it's kind of you're looking at the same income across yeah.","start":437.52,"end":444.48,"sentiment":"neutral","sentiment_score":0.04606733177430355},{"text":"Exactly.","start":444.48,"end":444.98,"sentiment":"neutral","sentiment_score":0.22196289896965027}],"sentiment":"neutral","sentiment_score":0.04522842071240857,"num_words":63,"start":427.365,"end":444.98},{"sentences":[{"text":"Yeah.","start":445.04,"end":445.54,"sentiment":"neutral","sentiment_score":0.26570752263069153},{"text":"Yeah.","start":459.85498,"end":460.335,"sentiment":"neutral","sentiment_score":0.17268458008766174},{"text":"Yeah.","start":460.335,"end":460.57498,"sentiment":"neutral","sentiment_score":0.26907163858413696},{"text":"Great.","start":460.57498,"end":461.07498,"sentiment":"positive","sentiment_score":0.4745916724205017},{"text":"Yeah.","start":473.74002,"end":474.22,"sentiment":"neutral","sentiment_score":0.010791609063744543}],"sentiment":"neutral","sentiment_score":0.2385694045573473,"num_words":5,"start":445.04,"end":474.22},{"sentences":[{"text":"I mean, yeah, I think just, I guess, just to run through things.","start":474.22,"end":477.90002,"sentiment":"neutral","sentiment_score":-0.010066753969742702},{"text":"I I also I've set I haven't really had the time or chance to kind of look into it properly.","start":477.90002,"end":486.365,"sentiment":"neutral","sentiment_score":-0.09202787149697542},{"text":"But, basically, I got recently a new iPhone, and I haven't been able to I need to set up a new what do you call it?","start":486.365,"end":494.89,"sentiment":"neutral","sentiment_score":-0.09461880919451897},{"text":"I need to set up my auth and, you know, the yeah.","start":494.89,"end":499.13,"sentiment":"neutral","sentiment_score":0.0018696744615832965},{"text":"To be able to get in.","start":499.13,"end":500.17,"sentiment":"neutral","sentiment_score":0.01218938548117876}],"sentiment":"neutral","sentiment_score":-0.056310933301007594,"num_words":77,"start":474.22,"end":500.17},{"sentences":[{"text":"So I can't really look too much about I'd like where we're sitting right now because I just don't have it set up to get 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correct.","start":557.87,"end":558.69,"sentiment":"neutral","sentiment_score":0.1316400095820427},{"text":"No.","start":567.965,"end":568.125,"sentiment":"neutral","sentiment_score":-0.05045194178819656}],"sentiment":"neutral","sentiment_score":0.07125394915541013,"num_words":6,"start":549.885,"end":568.125},{"sentences":[{"text":"It's yeah.","start":568.125,"end":569.485,"sentiment":"neutral","sentiment_score":-0.04343339800834656},{"text":"No.","start":569.485,"end":569.645,"sentiment":"neutral","sentiment_score":-0.0660543367266655},{"text":"It's pretty much just the same.","start":569.645,"end":570.84503,"sentiment":"neutral","sentiment_score":-0.030702197613815468},{"text":"Just doing more hours really now.","start":570.84503,"end":572.625,"sentiment":"neutral","sentiment_score":-0.016397105529904366},{"text":"It's full time 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750,000.","start":630.65497,"end":635.075,"sentiment":"neutral","sentiment_score":0.1435265764594078},{"text":"Yep.","start":644.73004,"end":644.97003,"sentiment":"neutral","sentiment_score":0.10961192846298218},{"text":"We still have that.","start":644.97003,"end":646.03,"sentiment":"neutral","sentiment_score":0.13518115878105164},{"text":"Yep.","start":648.89,"end":649.39,"sentiment":"neutral","sentiment_score":0.04865357279777527},{"text":"You can put that up to 1,000,000.","start":649.45,"end":651.47003,"sentiment":"neutral","sentiment_score":0.062452743096011024}],"sentiment":"neutral","sentiment_score":0.09488083273172379,"num_words":15,"start":630.65497,"end":651.47003},{"sentences":[{"text":"Yeah.","start":658.255,"end":658.575,"sentiment":"neutral","sentiment_score":0.09329832345247269},{"text":"Correct.","start":658.575,"end":659.075,"sentiment":"neutral","sentiment_score":0.15457120537757874},{"text":"So that has now been sold.","start":665.295,"end":667.775,"sentiment":"neutral","sentiment_score":0.0628309715539217},{"text":"That's the Pingabe one.","start":667.775,"end":668.815,"sentiment":"neutral","sentiment_score":0.06838183477520943},{"text":"Is that correct?","start":668.815,"end":669.535,"sentiment":"neutral","sentiment_score":0.06789931654930115}],"sentiment":"neutral","sentiment_score":0.07347204312682151,"num_words":15,"start":658.255,"end":669.535},{"sentences":[{"text":"Yeah.","start":669.535,"end":669.78,"sentiment":"neutral","sentiment_score":0.040704671293497086},{"text":"That would be.","start":669.78,"end":670.76,"sentiment":"neutral","sentiment_score":0.052676454186439514},{"text":"Not at this 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that.","start":1535.4249,"end":1536.885,"sentiment":"neutral","sentiment_score":0.05740486617599215}],"sentiment":"neutral","sentiment_score":0.009991636499762535,"num_words":17,"start":1525.6901,"end":1536.885},{"sentences":[{"text":"Right.","start":1627.155,"end":1627.655,"sentiment":"negative","sentiment_score":-0.41104644536972046},{"text":"Right.","start":1641.26,"end":1641.76,"sentiment":"neutral","sentiment_score":0.1286076307296753},{"text":"Yes.","start":1652.335,"end":1652.835,"sentiment":"neutral","sentiment_score":0.17300133407115936},{"text":"Okay.","start":1693.2899,"end":1693.7899,"sentiment":"neutral","sentiment_score":0.06687551736831665},{"text":"Alright.","start":1694.33,"end":1694.8099,"sentiment":"neutral","sentiment_score":0.05451103299856186}],"sentiment":"neutral","sentiment_score":0.0023898139595985414,"num_words":5,"start":1627.155,"end":1694.8099},{"sentences":[{"text":"So so no.","start":1694.8099,"end":1698.885,"sentiment":"neutral","sentiment_score":-0.03147829448183378},{"text":"Okay.","start":1698.885,"end":1699.125,"sentiment":"neutral","sentiment_score":-0.020789211615920067},{"text":"So, essentially, it had gone down.","start":1699.125,"end":1700.965,"sentiment":"neutral","sentiment_score":-0.11574142177899678},{"text":"So we sold at a at a at while it was down, and then we bought something else.","start":1700.965,"end":1707.125,"sentiment":"neutral","sentiment_score":-0.05707800905737612},{"text":"But to we've sold because we're thinking it would continue to go down.","start":1707.125,"end":1711.145,"sentiment":"neutral","sentiment_score":-0.013300454960419582}],"sentiment":"neutral","sentiment_score":-0.04902396837203968,"num_words":41,"start":1694.8099,"end":1711.145},{"sentences":[{"text":"Yeah.","start":1712.46,"end":1712.86,"sentiment":"neutral","sentiment_score":0.0979134365916252},{"text":"Okay.","start":1712.86,"end":1713.36,"sentiment":"neutral","sentiment_score":0.14218220114707947},{"text":"Okay.","start":1731.2949,"end":1731.7949,"sentiment":"neutral","sentiment_score":0.30871137976646423},{"text":"Yes.","start":1731.9349,"end":1732.4349,"sentiment":"positive","sentiment_score":0.3859668970108032},{"text":"Yeah.","start":1760.625,"end":1761.125,"sentiment":"neutral","sentiment_score":0.004084531217813492}],"sentiment":"neutral","sentiment_score":0.18777168914675713,"num_words":5,"start":1712.46,"end":1761.125},{"sentences":[{"text":"So so for the last for over the last twelve months, I'm sitting at minus 1.7.","start":1761.1849,"end":1766.645,"sentiment":"neutral","sentiment_score":0.017208905483130366},{"text":"Oh, okay.","start":1769.5499,"end":1770.37,"sentiment":"neutral","sentiment_score":0.06774013489484787},{"text":"I think that's the first time that's happened.","start":1770.99,"end":1773.01,"sentiment":"neutral","sentiment_score":0.03870502347126603},{"text":"Yeah.","start":1799.95,"end":1800.27,"sentiment":"neutral","sentiment_score":-0.07297919690608978},{"text":"Right.","start":1800.27,"end":1800.77,"sentiment":"neutral","sentiment_score":-0.05817945674061775}],"sentiment":"neutral","sentiment_score":0.021046581844400083,"num_words":28,"start":1761.1849,"end":1800.77},{"sentences":[{"text":"Okay.","start":1843.325,"end":1843.825,"sentiment":"neutral","sentiment_score":0.12704670429229736},{"text":"Yeah.","start":1875.075,"end":1875.475,"sentiment":"neutral","sentiment_score":0.1063818484544754},{"text":"Okay.","start":1875.475,"end":1875.975,"sentiment":"neutral","sentiment_score":0.08657948672771454},{"text":"Right.","start":1909.1799,"end":1909.5,"sentiment":"neutral","sentiment_score":0.027310648933053017},{"text":"Okay.","start":1909.5,"end":1910.0,"sentiment":"neutral","sentiment_score":0.04767560213804245}],"sentiment":"neutral","sentiment_score":0.07899885810911655,"num_words":5,"start":1843.325,"end":1910.0},{"sentences":[{"text":"Yep.","start":1913.34,"end":1913.74,"sentiment":"neutral","sentiment_score":-0.026768092066049576},{"text":"No.","start":1913.74,"end":1913.98,"sentiment":"neutral","sentiment_score":-0.06784115731716156},{"text":"That makes sense.","start":1913.98,"end":1914.88,"sentiment":"neutral","sentiment_score":-0.013144883016745249},{"text":"Yes.","start":1932.555,"end":1932.9551,"sentiment":"neutral","sentiment_score":0.16587181389331818},{"text":"That's yeah, that was fine.","start":1932.9551,"end":1942.0299,"sentiment":"neutral","sentiment_score":0.21222076565027237}],"sentiment":"neutral","sentiment_score":0.09935743124647574,"num_words":11,"start":1913.34,"end":1942.0299},{"sentences":[{"text":"Okay.","start":1951.665,"end":1952.165,"sentiment":"neutral","sentiment_score":0.06045139953494072},{"text":"Right.","start":1970.92,"end":1971.375,"sentiment":"neutral","sentiment_score":0.06268027424812317},{"text":"Yep.","start":1979.535,"end":1980.035,"sentiment":"neutral","sentiment_score":0.08575838804244995},{"text":"So that's the fee that it's been that's like the what it's been the last few years, is it?","start":2029.615,"end":2034.355,"sentiment":"neutral","sentiment_score":0.05456345616594741},{"text":"Right.","start":2040.255,"end":2040.6549,"sentiment":"neutral","sentiment_score":0.08555169403553009}],"sentiment":"neutral","sentiment_score":0.05787597491365412,"num_words":23,"start":1951.665,"end":2040.6549},{"sentences":[{"text":"Okay.","start":2040.6549,"end":2041.1549,"sentiment":"neutral","sentiment_score":0.09667536616325378},{"text":"No.","start":2044.98,"end":2045.48,"sentiment":"neutral","sentiment_score":-0.14965005218982697},{"text":"Okay.","start":2098.9001,"end":2099.3,"sentiment":"neutral","sentiment_score":0.04572898894548416},{"text":"Yep.","start":2099.3,"end":2099.7002,"sentiment":"neutral","sentiment_score":0.1818974018096924},{"text":"Great.","start":2099.7002,"end":2100.2002,"sentiment":"positive","sentiment_score":0.6707177758216858}],"sentiment":"neutral","sentiment_score":0.16907389611005783,"num_words":5,"start":2040.6549,"end":2100.2002},{"sentences":[{"text":"Oh, look.","start":2108.815,"end":2109.475,"sentiment":"neutral","sentiment_score":0.05380035191774368},{"text":"You know, I mean, I get the whole, like, market and everything like that, but I guess it just depends on where everything's sitting.","start":2109.7751,"end":2116.735,"sentiment":"neutral","sentiment_score":0.040673677111044526},{"text":"All I know is is that my husband's super he's he's not invested the time or anything into, you know, trying to do you know, be proactive or working with a company or whatever.","start":2116.735,"end":2129.75,"sentiment":"neutral","sentiment_score":0.036833437488359565},{"text":"He just sits with, like, you know, the standard whatever, and we've done we've, Nest.","start":2129.75,"end":2136.0898,"sentiment":"neutral","sentiment_score":0.22295746306578318},{"text":"And he's super he's doing better than mine.","start":2137.19,"end":2140.445,"sentiment":"positive","sentiment_score":0.5217736698687077}],"sentiment":"neutral","sentiment_score":0.11873080884386976,"num_words":83,"start":2108.815,"end":2140.445},{"sentences":[{"text":"So I guess it's kind of like I am concerned to see a minor number there because, I guess, for me, it's kind of like, you know, if you're investing in professionals and extra advisers looking over your and and and it's and they're not getting it right.","start":2140.445,"end":2155.28,"sentiment":"neutral","sentiment_score":-0.2558910610775153},{"text":"You know?","start":2156.7002,"end":2157.36,"sentiment":"neutral","sentiment_score":-0.18232158571481705},{"text":"So I yeah.","start":2157.4202,"end":2159.1802,"sentiment":"neutral","sentiment_score":-0.24772787590821585},{"text":"Like, seeing a negative figure is definitely a big one for me because it's not even like a small percentage.","start":2159.1802,"end":2166.3,"sentiment":"negative","sentiment_score":-0.4734026983380318},{"text":"It's actually in the red.","start":2166.3,"end":2167.76,"sentiment":"negative","sentiment_score":-0.39406012296676635}],"sentiment":"neutral","sentiment_score":-0.31831990144191646,"num_words":78,"start":2140.445,"end":2167.76},{"sentences":[{"text":"So I definitely I mean yeah.","start":2168.46,"end":2172.115,"sentiment":"neutral","sentiment_score":-0.004837222397327423},{"text":"I mean, I know I'm sort of willing to take on the risk and stuff like that, but there's also, like there's the reason why you're investing sorry, why you're why you're, you know, spending money, you know, to have people kind of watching over this for you and stuff like that as well.","start":2172.115,"end":2185.82,"sentiment":"neutral","sentiment_score":0.043883823341241586},{"text":"So, I mean, over the last couple of years, like, I haven't really been seeing a significant, I guess, improvement to warrant, I guess, that investment, if you know what I mean.","start":2185.82,"end":2200.895,"sentiment":"neutral","sentiment_score":-0.022938508773222566},{"text":"So I don't know.","start":2200.895,"end":2201.775,"sentiment":"neutral","sentiment_score":-0.09187966492027044},{"text":"I'm I'm I'm I am I am thinking that this might be the year that I kind of shift and go back to, you know, go back to a a a a normal fund because I just I I don't know if the, you know, wall's being kinda caught over my eyes here a bit like and I just I actually don't feel very confident in this at the moment, to be honest.","start":2201.775,"end":2224.875,"sentiment":"neutral","sentiment_score":-0.26914306525906473}],"sentiment":"neutral","sentiment_score":-0.10892480223841922,"num_words":169,"start":2168.46,"end":2224.875},{"sentences":[{"text":"So because it just as I said, I said, I I just see my husband's super sort of growing, and he's not doing he's just with the standard fund.","start":2225.115,"end":2231.935,"sentiment":"neutral","sentiment_score":-0.22967100554499134},{"text":"And so I just feel like, you know, with all the fees and everything and I know don't get me wrong.","start":2232.315,"end":2239.115,"sentiment":"neutral","sentiment_score":-0.2047776100890977},{"text":"I know there is an extra insurance kind of that I am getting higher insurance than I was.","start":2239.115,"end":2244.9,"sentiment":"neutral","sentiment_score":-0.19816900706953472},{"text":"That is a bonus, but, ultimately, I could organize insurance myself.","start":2245.0398,"end":2248.9,"sentiment":"neutral","sentiment_score":-0.0036249851638620535},{"text":"You know?","start":2249.76,"end":2250.0798,"sentiment":"neutral","sentiment_score":-0.008081579580903053}],"sentiment":"neutral","sentiment_score":-0.1800477666159471,"num_words":81,"start":2225.115,"end":2250.0798},{"sentences":[{"text":"And we're talking about yeah.","start":2250.0798,"end":2253.76,"sentiment":"neutral","sentiment_score":-0.015334234014153481},{"text":"Like, I mean, I'm not I'm like the, you know, the mom and the of the family, if you know what I mean.","start":2253.76,"end":2259.495,"sentiment":"neutral","sentiment_score":-0.16557839480431183},{"text":"So I've kind of given up my ability to earn, you know, huge amounts of money to stay home and stay and look after the kids and everything.","start":2259.495,"end":2267.895,"sentiment":"neutral","sentiment_score":-0.1062128950974771},{"text":"So I'm kind of capped at the moment where I'm sitting, and I just, like, need everything to be working as good as possible.","start":2267.895,"end":2275.22,"sentiment":"neutral","sentiment_score":-0.08381005423143506},{"text":"And as I said, just seeing that minus there is quite quite disheartening.","start":2275.22,"end":2279.48,"sentiment":"neutral","sentiment_score":-0.24506585128032243}],"sentiment":"neutral","sentiment_score":-0.12963691055374119,"num_words":93,"start":2250.0798,"end":2279.48},{"sentences":[{"text":"Yes.","start":2279.7,"end":2280.2,"sentiment":"neutral","sentiment_score":-0.14619635045528412},{"text":"Yes.","start":2319.0352,"end":2319.5352,"sentiment":"neutral","sentiment_score":0.22052188217639923},{"text":"Yep.","start":2334.15,"end":2334.65,"sentiment":"neutral","sentiment_score":-0.0420985221862793},{"text":"Yeah.","start":2339.51,"end":2340.01,"sentiment":"neutral","sentiment_score":0.09950760006904602},{"text":"Yeah.","start":2340.8699,"end":2341.1099,"sentiment":"neutral","sentiment_score":0.031963154673576355}],"sentiment":"neutral","sentiment_score":0.03273955285549164,"num_words":5,"start":2279.7,"end":2341.1099},{"sentences":[{"text":"That's fine.","start":2341.1099,"end":2342.01,"sentiment":"neutral","sentiment_score":0.09796353429555893},{"text":"Yeah.","start":2343.5352,"end":2343.7751,"sentiment":"neutral","sentiment_score":0.041090548038482666},{"text":"That would be yeah.","start":2343.7751,"end":2345.7751,"sentiment":"neutral","sentiment_score":0.11104835709556937},{"text":"That would be helpful.","start":2345.7751,"end":2346.7551,"sentiment":"positive","sentiment_score":0.36945266276597977},{"text":"Yeah.","start":2373.895,"end":2374.295,"sentiment":"neutral","sentiment_score":0.08974708616733551}],"sentiment":"neutral","sentiment_score":0.18739739852026105,"num_words":12,"start":2341.1099,"end":2374.295},{"sentences":[{"text":"Yeah.","start":2374.295,"end":2374.6948,"sentiment":"neutral","sentiment_score":0.11230790615081788},{"text":"For sure.","start":2374.6948,"end":2375.355,"sentiment":"neutral","sentiment_score":0.2516818642616272},{"text":"Yeah.","start":2396.295,"end":2396.615,"sentiment":"neutral","sentiment_score":0.06816545128822327},{"text":"Sure.","start":2396.615,"end":2396.935,"sentiment":"neutral","sentiment_score":0.17775951325893402},{"text":"That's fine.","start":2396.935,"end":2397.7551,"sentiment":"neutral","sentiment_score":0.21528127044439316}],"sentiment":"neutral","sentiment_score":0.1845941628728594,"num_words":7,"start":2374.295,"end":2397.7551},{"sentences":[{"text":"It's hard to say.","start":2405.2551,"end":2406.295,"sentiment":"neutral","sentiment_score":-0.061690968461334705},{"text":"Just I mean, generally, not Monday and Tuesday.","start":2406.295,"end":2409.8599,"sentiment":"neutral","sentiment_score":-0.020325675141066313},{"text":"They are my busiest days, so you can try me on a Wednesday or Thursday.","start":2410.0,"end":2413.22,"sentiment":"neutral","sentiment_score":0.020045709113279978},{"text":"That's fine.","start":2413.28,"end":2414.02,"sentiment":"neutral","sentiment_score":0.07200794667005539},{"text":"Yeah.","start":2430.695,"end":2431.095,"sentiment":"neutral","sentiment_score":0.01837584748864174}],"sentiment":"neutral","sentiment_score":0.0017902700851360957,"num_words":30,"start":2405.2551,"end":2431.095},{"sentences":[{"text":"That's maybe a little bit earlier than 02:30.","start":2431.095,"end":2436.075,"sentiment":"neutral","sentiment_score":0.005980130285024643},{"text":"Yeah.","start":2443.7102,"end":2443.9502,"sentiment":"neutral","sentiment_score":0.20919761061668396},{"text":"That's great.","start":2443.9502,"end":2444.77,"sentiment":"positive","sentiment_score":0.4661324620246887},{"text":"Yep.","start":2476.02,"end":2476.34,"sentiment":"neutral","sentiment_score":0.12903960049152374},{"text":"Okay.","start":2476.34,"end":2476.74,"sentiment":"neutral","sentiment_score":0.1652410924434662}],"sentiment":"neutral","sentiment_score":0.11412186691394219,"num_words":13,"start":2431.095,"end":2476.74},{"sentences":[{"text":"Great.","start":2476.74,"end":2477.24,"sentiment":"positive","sentiment_score":0.49368780851364136},{"text":"And then how would I go about getting someone contacting me so I can get access into my account help me get access to my account again?","start":2477.3,"end":2484.28,"sentiment":"neutral","sentiment_score":0.1666978073340875},{"text":"Yeah.","start":2491.525,"end":2492.025,"sentiment":"neutral","sentiment_score":0.00988779217004776},{"text":"If you could get someone to call me, that would be awesome.","start":2505.28,"end":2507.78,"sentiment":"neutral","sentiment_score":0.22225288239618143},{"text":"Okay.","start":2520.8152,"end":2521.215,"sentiment":"neutral","sentiment_score":0.03576191887259483}],"sentiment":"neutral","sentiment_score":0.18350506919835294,"num_words":42,"start":2476.74,"end":2521.215},{"sentences":[{"text":"Great.","start":2521.215,"end":2521.715,"sentiment":"neutral","sentiment_score":0.21777769923210144},{"text":"Okay.","start":2532.9302,"end":2533.33,"sentiment":"neutral","sentiment_score":0.30649036169052124},{"text":"Great.","start":2533.33,"end":2533.57,"sentiment":"positive","sentiment_score":0.5944740772247314},{"text":"Thank you.","start":2533.57,"end":2534.3901,"sentiment":"positive","sentiment_score":0.4902498871088028},{"text":"No.","start":2541.535,"end":2541.855,"sentiment":"neutral","sentiment_score":-0.1895368993282318}],"sentiment":"neutral","sentiment_score":0.31828416883945465,"num_words":6,"start":2521.215,"end":2541.855},{"sentences":[{"text":"That's no.","start":2541.855,"end":2542.735,"sentiment":"neutral","sentiment_score":-0.2566518262028694},{"text":"That's that's all good.","start":2542.735,"end":2544.675,"sentiment":"neutral","sentiment_score":-0.005091169849038131},{"text":"Awesome.","start":2553.7449,"end":2554.1448,"sentiment":"positive","sentiment_score":0.7985826730728149},{"text":"Thanks so much.","start":2554.1448,"end":2555.1248,"sentiment":"positive","sentiment_score":0.7983002066612244},{"text":"Okay.","start":2557.3447,"end":2557.825,"sentiment":"neutral","sentiment_score":0.12869523465633392}],"sentiment":"neutral","sentiment_score":0.2535009269009937,"num_words":11,"start":2541.855,"end":2557.825},{"sentences":[{"text":"Bye.","start":2557.825,"end":2558.325,"sentiment":"neutral","sentiment_score":0.13559889793395996}],"sentiment":"neutral","sentiment_score":0.13559889793395996,"num_words":1,"start":2557.825,"end":2558.325}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Candice speaking.\n\nChannel 0: Good afternoon,\n\nChannel 1: Good\n\nChannel 0: Candice.\n\nChannel 1: afternoon.\n\nChannel 0: This\n\nChannel 1: This\n\nChannel 0: is Veronica\n\nChannel 1: is\n\nChannel 0: from Oakview Financial. How are you?\n\nChannel 1: Sorry. I missed where you're calling from.\n\nChannel 0: Oakview Financial?\n\nChannel 1: Oh, hi. How are you?\n\nChannel 0: Yeah. Good. How are you?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: I had you booked in to complete your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. We can do that. Yeah. No problem.\n\nChannel 0: Yes. Okay. I'll try to be a bit quick if you are a little bit short for time. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Candice in Ellensburg, 27th Of The 5th 83. Sorry. What was it? My address?\n\nChannel 0: Address and date of birth, please.\n\nChannel 1: Yep. 40 Harrier Drive, Burley Waters 4220 And 27th Of The 5th 83.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now but before I do kind of jump into the annual review, I'd like to always start by asking, if there is anything specific you are wanting me to address today or for that you're hoping to get out of the review or whether it's just just the yellow catch up?\n\nChannel 1: Yeah. I mean, it's just a a a sort of, I guess, just a general overview of where we're sitting.\n\nChannel 0: Mhmm.\n\nChannel 1: And I always like to kind of see I think in in in the past, they've sort of given me an indication of where I would sort of be sitting if I had continued staying with Australian is it Australian Super Bowl or my old Superfund? I can't think of them now.\n\nChannel 0: I can go back\n\nChannel 1: Right.\n\nChannel 0: and have a look for you. Just bear with me.\n\nChannel 1: Yeah. Australian Super it was, I think.\n\nChannel 0: It's just wait. I'm just opening it up now just to software is being a little bit slower than PDF. So I will know in a second.\n\nChannel 1: All good.\n\nChannel 0: I can definitely because, obviously, it takes it takes a little bit to, obviously, do all the math and calculation to see that, obviously,\n\nChannel 1: Yes.\n\nChannel 0: like, exactly where you would be. But if you if you want me to, I'm happy to get the team to pull all the figures together and email it to you to\n\nChannel 1: Yeah.\n\nChannel 0: see\n\nChannel 1: Great.\n\nChannel 0: where things would have been if you didn't come on board, or is it a matter of what was the last, you know, twelve months with Australia through for a bit of both?\n\nChannel 1: No. I yeah. It would be good to see overall because obviously\n\nChannel 0: Yep.\n\nChannel 1: yeah. Yeah. It was kind of that's kind of like, we've, yeah, it it's kind of, I guess, the the easiest way for me to compare if this is kind of going in the direction that we sort of wanted to because it wasn't that I was over it wasn't that I was unhappy with Australian Superlight. Generally, that was going\n\nChannel 0: Yep.\n\nChannel 1: you know, that that was going quite well. So I guess it's just yeah. Whether I guess it's worth the investment,\n\nChannel 0: Yep.\n\nChannel 1: yeah, in this, basically.\n\nChannel 0: Yep. And that makes sense. Obviously, you wanna make sure that, you know, if you're paying a little bit more for for fees, you're getting the service and that in in\n\nChannel 1: Yeah.\n\nChannel 0: turn,\n\nChannel 1: Definitely.\n\nChannel 0: you are getting the returns and everything like that. So I can definitely go back and do that for you. Now when I email it through, because there are obviously a couple of that's changed for you so that I can make it the most, I guess, apple to apple comparison. So in your Australian super, you had insurances at the time. So would you like me to assume that you had those insurances and those premiums stayed the same for the whole time?\n\nNow they obviously will change, but it's a bit tricky to forecast five\n\nChannel 1: Yeah.\n\nChannel 0: years worth\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: get\n\nChannel 0: insurance\n\nChannel 1: what you\n\nChannel 0: premium premium.\n\nChannel 1: yeah. No. I get what you mean. Like and I do appreciate that, like, the insurance is a lot, you know, more thorough\n\nChannel 0: Yeah.\n\nChannel 1: with what I have now as like, compared to, like, just the standard, I guess, you\n\nChannel 0: Yeah.\n\nChannel 1: know, insurance that I had with that. So I'm happy\n\nChannel 0: Yep.\n\nChannel 1: for you to just, I guess, make, you know, just even even just based on the\n\nChannel 0: Okay.\n\nChannel 1: average, you know, insurance that I had, and I can\n\nChannel 0: Yep.\n\nChannel 1: kind of have that in consideration\n\nChannel 0: Just do that.\n\nChannel 1: when\n\nChannel 0: Okay.\n\nChannel 1: reviewing there.\n\nChannel 0: Yep. And what I can do to make it as, you know, like for like is I can then assume because your premium at the time was $299.04. I'll put some disclaimers in there, but I can then assume same insurance across both to give you a bit more accurate of just your super, how that would have changed. Does that\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: Okay. Yep. Yeah. Yeah. Okay.\n\nGreat.\n\nChannel 0: Yep. So then you can see purely just from a superannuation growth perspective.\n\nChannel 1: Yeah. Okay. Great. Yes. Perfect.\n\nChannel 0: Yeah. Alright. Perfect. I can definitely do that. It might be by end of tomorrow, if that's okay.\n\nChannel 1: Oh, yeah. That's fine. There's no major rush\n\nChannel 0: Yes.\n\nChannel 1: in it. That's fine.\n\nChannel 0: Yeah. Perfect. I'll get that email through there. When you do have a look at it, if you have any questions or concerns or anything, just let me know. But, otherwise, I'll add, you know, any disclaimers that we've made in regards to it, so that you can obviously see.\n\nAnd let me see here. At the time, your income probably was a little bit different. So your income at the time was 40,000. What is it today?\n\nChannel 1: It is is is it so this is before tax?\n\nChannel 0: Yes, please.\n\nChannel 1: 104,000.\n\nChannel 0: Okay. Perfect. So what I can do then again because it's it obviously, the more income you earn, the more employee contributions you're gonna earn, the more it's gonna compound and change. So would you like me to assume your income was for 40,000? Because that's what it was at the time, staying consistent until today, showing that both with your current Subaru and have 24, or would you like me to assume a 104, or what would you prefer?\n\nChannel 1: Well, yeah, are you are you able to assume a 104,\n\nChannel 0: Yeah.\n\nChannel 1: but with but with the but with the, I guess, rates and and and and and all that kind of stuff from Australian Super, if if you know what\n\nChannel 0: Yes.\n\nChannel 1: I mean?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: Okay.\n\nChannel 0: definitely\n\nChannel 1: Great.\n\nChannel 0: do that. Yeah. So, obviously, it would have changed slightly then, like, if you stayed in in Australian Super because at the time, your income obviously wasn't a 104, so you wouldn't get as much return, and it wouldn't compound as much. But I can\n\nChannel 1: Yep.\n\nChannel 0: at least give you a bit of a a bit of\n\nChannel 1: Well\n\nChannel 0: an\n\nChannel 1: yeah.\n\nChannel 0: understand\n\nChannel 1: I guess because, I mean, it\n\nChannel 0: understanding.\n\nChannel 1: yeah. I mean, it it just well, it's I mean,\n\nChannel 0: Yeah.\n\nChannel 1: like yeah. I mean, because, obviously, like, as\n\nChannel 0: Yeah.\n\nChannel 1: my income has increased,\n\nChannel 0: Yes.\n\nChannel 1: that would have increased with Australian Super as well. Do you know what I mean?\n\nChannel 0: Correct.\n\nChannel 1: So whatever well, I guess, whatever it is,\n\nChannel 0: Yes.\n\nChannel 1: yeah, as long as as long as it's kind of you're looking at the\n\nChannel 0: The\n\nChannel 1: same\n\nChannel 0: same.\n\nChannel 1: income\n\nChannel 0: Yep.\n\nChannel 1: across\n\nChannel 0: Yep.\n\nChannel 1: yeah. Exactly.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And, again, I'll put this claim as underneath it to say assuming income of a 104, both scenarios, assuming same premiums, both scenarios so that you can see more clearly what the changes would have been.\n\nChannel 1: Yeah. Yeah. Great.\n\nChannel 0: Yeah. Okay. Perfect. Aside from from that, is there any other, like, concerns or questions otherwise that you have that you want me to address or just to kind of run through things?\n\nChannel 1: Yeah. I mean, yeah, I think just, I guess, just to run through things. I I also I've set I haven't really had the time or chance to kind of look into it properly. But, basically, I got recently a new iPhone, and I haven't been able to I need to set up a new what do you call it? I need to set up my auth and,\n\nChannel 0: Yes.\n\nChannel 1: you know,\n\nChannel 0: The\n\nChannel 1: the\n\nChannel 0: Authenticator\n\nChannel 1: yeah.\n\nChannel 0: app and\n\nChannel 1: To\n\nChannel 0: stuff.\n\nChannel 1: be able to get\n\nChannel 0: Yep.\n\nChannel 1: in. So I can't really look too much about I'd like where we're sitting right now because I just don't have it set up to get in.\n\nChannel 0: No. That's okay. I have actually sent you an email with some information to run through, which shows\n\nChannel 1: Okay.\n\nChannel 0: you\n\nChannel 1: Great.\n\nChannel 0: where everything is at at the moment as well. But before I kind of jump into that, I do wanna just quickly run through a bit of an updated fact find review just to see if there's been any major changes that would need us to make any changes to your advice. So I will\n\nChannel 1: Okay.\n\nChannel 0: try to run through this as quickly as I can for you if you are a little bit short for time, so just bear with me. Now when it comes to your personal information, I have you down here as married with four financial dependents. Is that correct?\n\nChannel 1: Yeah. Correct. Yeah.\n\nChannel 0: Yep. Perfect. I do have next of kin as John, phone number ending 645. That's still the case?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Yep. Perfect. And I've updated your income already. Any changes to your occupation otherwise or just a bit of a buffer in\n\nChannel 1: No. It's\n\nChannel 0: income? No.\n\nChannel 1: yeah. No.\n\nChannel 0: Doing\n\nChannel 1: It's pretty\n\nChannel 0: the same.\n\nChannel 1: much just the same. Just doing more hours really now.\n\nChannel 0: Yep. Perfect. So is it still part time or full time or a bit\n\nChannel 1: It's\n\nChannel 0: of a\n\nChannel 1: full\n\nChannel 0: combination?\n\nChannel 1: time now.\n\nChannel 0: Full time. Okay. Perfect. And your employer, they're still paid 12% employee contributions\n\nChannel 1: Yeah.\n\nChannel 0: into\n\nChannel 1: Just the\n\nChannel 0: super?\n\nChannel 1: standard they would do.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Great. Aside from, obviously, employer contributions, are you making any additional contributions into super?\n\nChannel 1: No. Not at the moment.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Now asset and liabilities wise, I'll just confirm what I have here, and just let me know if anything has changed. But I have here that your main property was last valued at about 2.5 mill.\n\nChannel 1: Yeah. That's about right.\n\nChannel 0: Yep. Perfect. Mortgage of about 1,030,000.\n\nChannel 1: No. That's now sitting at surely paid off of that. Like, 750,000.\n\nChannel 0: Perfect. Now I do have here as well two investment properties at one in Narrabeen.\n\nChannel 1: Yep. We still have that.\n\nChannel 0: Yeah. About about $9.50.\n\nChannel 1: Yep. You can put\n\nChannel 0: Yeah.\n\nChannel 1: that up to 1,000,000.\n\nChannel 0: 1,000,000. Perfect. And then I also have that the mortgage is about 600,000.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Perfect. And then you also have another property in Sydney of about 1.5?\n\nChannel 1: So that has now been sold. That's the Pingabe one. Is that correct? Yeah. That would be.\n\nChannel 0: Yes. Okay. So you've sold that property. And are you thinking of buying another one or not\n\nChannel 1: Not\n\nChannel 0: really?\n\nChannel 1: at this stage. No.\n\nChannel 0: Nope. Perfect. Do you also have your motor vehicle, by the about 60,000?\n\nChannel 1: Yeah. Is that the Kia?\n\nChannel 0: Yes.\n\nChannel 1: Do you have that? Yep.\n\nChannel 0: Yes.\n\nChannel 1: So that would have come down slightly, I think. Probably, like, maybe, like, 45.\n\nChannel 0: 45. Perfect. And you don't have anything owing on that one, do you?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And then I also have an offset account that's split with your husband of about a 130,000.\n\nChannel 1: So there's about we are looking at doing renovations, but there's about 3,300,000 sitting in that at the moment.\n\nChannel 0: Okay. Perfect. And then kind of looking at doing some house renovation. Perfect. Any other new assets that we haven't gone through that's changed over the last twelve months?\n\nNo. Perfect. No other liabilities like personal loans, credit cards, ZipPay?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. Health and lifestyle wise, are you a smoker?\n\nChannel 1: No.\n\nChannel 0: Alright. Perfect. Any changes to your health in the last twelve months otherwise? No. Perfect.\n\nDo you have private health insurance?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And lastly, just estate planning wise, do you have a will in place?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yep. Perfect. And that's pretty up to date.\n\nChannel 1: Yeah. That's I only did that recently in the last sort of, you know, last six months anyway.\n\nChannel 0: Oh, great. Perfect. Do you know if you made a nomination for power of attorney when you got the will as well?\n\nChannel 1: No.\n\nChannel 0: No. That's alright. But you don't have anyone otherwise who makes any financial decisions on your behalf?\n\nChannel 1: No.\n\nChannel 0: Alright. Great. So that was all of the personal information. When it comes to, I guess, goals and stuff that you are working on for the next twelve months. Now last time when we did do your under review, you were kind of focusing on putting aside some money to start some house renovations.\n\nYou kind of mentioned that that's still kind of a goal for yourself.\n\nChannel 1: Yes.\n\nChannel 0: Is there is there anything else that you're working through that you're wanting to achieve financially or nonfinancially over the next twelve months?\n\nChannel 1: Maybe not the I mean, look, long term, we'd love to\n\nChannel 0: Mhmm.\n\nChannel 1: get into maybe, like, flipping a property or something like that. But just at the moment, it just I just don't think we have the what do you call it? The the, like, financial Yep. Like, borrowing power,\n\nChannel 0: Yep.\n\nChannel 1: really,\n\nChannel 0: Yes.\n\nChannel 1: at the\n\nChannel 0: Yep.\n\nChannel 1: moment. Yeah.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: But that's our long term goal.\n\nChannel 0: Yeah. Oh, that's nice. Now the other thing I do wanna quickly run through with you is just an updated risk profile questionnaire, and that is just to see if we need to make any changes to your investment portfolio otherwise with your super. So there is no right or wrong answers. It's just whatever you feel is the most appropriate for you, And it is in regards to your superannuation.\n\nSo if it doesn't make\n\nChannel 1: Okay.\n\nChannel 0: sense, let me know because some of them yep. Sorry?\n\nChannel 1: Yep. No. That's yep. Keep going.\n\nChannel 0: Yep. Perfect. Now, Candice, have you ever made direct shares yourself?\n\nChannel 1: Have I ever what? Sorry?\n\nChannel 0: Bought direct shares, like, on the stock market and stuff like that?\n\nChannel 1: I've only dabbled in a bit of the, like, raise, you know, raise. So it's just\n\nChannel 0: Yes.\n\nChannel 1: like a little kind of online kind of thing where it kind of like, yeah, it's it's it's it's very minimal. It's, like, $20 a week.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: And\n\nChannel 0: Perfect.\n\nChannel 1: they just kind of buy it for you, and I just you know? So\n\nChannel 0: Yes.\n\nChannel 1: yeah. I don't know if\n\nChannel 0: Do\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: counts, but that's all I've\n\nChannel 0: yep.\n\nChannel 1: done.\n\nChannel 0: No. It definitely counts. Do you still have a little, like, share portfolio there?\n\nChannel 1: That\n\nChannel 0: Yeah. Do you know how much you have roughly?\n\nChannel 1: yeah. Yeah. So I literally just started it recently, so this is, like, $500 in it.\n\nChannel 0: Oh, it's still an asset. So I'll just change that up. That's good. Now let me see here. Otherwise, I guess, when it comes to accessing superannuation,\n\nChannel 1: Yeah.\n\nChannel 0: I have here that, you're planning on accessing super at the age of 60. Is that still the plan?\n\nChannel 1: Yeah. I guess so. Yep.\n\nChannel 0: Yep. Well, that is the earliest you can currently at least with the legislation. If you stop working, it is at 60. You can take it tax free.\n\nChannel 1: Right. Okay. Yeah.\n\nChannel 0: Now, otherwise, when it comes to how much risk you are willing to take in regards to your superannuation, Are you willing to take, you know, very high risk, high risk moderate, or a small amount of risk in order to kinda keep up pace, you know, with inflation and increase in prices?\n\nChannel 1: Yeah. I would say, like, high risk, moderate.\n\nChannel 0: High risk?\n\nChannel 1: Like yeah.\n\nChannel 0: Yeah. Perfect. And if you, after six months of placing an investment, found out that your portfolio has decreased in value by 20%, would you if you had the option to do so, I think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold and wait to see what happens, or would you want to shift to a more secure asset? So that means the other selling when the prices have already dropped.\n\nChannel 1: The first one.\n\nChannel 0: The first one. Perfect. Now next one is in regards to superannuation dropping in value. So if you ever noticed your superannuation fluctuate and drop in value over to the last twelve months, we've seen a bit of fluctuation with everything going on in the world in the last twelve months. If it was something that you did notice, would you say that you would feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, or that would make you feel quite concerned?\n\nChannel 1: Maybe the second one. Maybe cautious.\n\nChannel 0: So yeah. Perfect. And the last one is, would you ever consider taking out a loan to invest on the stock market?\n\nChannel 1: No. I don't think I can do that.\n\nChannel 0: No. No. Perfect. So just kind of investment property is kind of where taking out a a loan would be where you would be comfortable with.\n\nChannel 1: Yeah. I don't think I would borrow in order to invest yet.\n\nChannel 0: Yep. No. Perfect. Now that tells me here that from a risk profile point of view, you have come out as a high growth investor, which is the portfolio that we currently have you invested in. Do you remember what a high growth investor is?\n\nChannel 1: I was kind of I I would assume a a bit of it, but, yeah, feel free to give me a quick rundown.\n\nChannel 0: Yeah. So, essentially, it means someone you know, you are willing to see a bit of fluctuations in the short term in order to kinda maximize growth in the long term when we are thinking of a time frame as well. So making sure that you have enough time in the market because, typically, we see about 90% invested in your growth assets. So these will be things like Australian shares, international shares, property, and commodities, which is going to maximize that growth for you. And then you have about 10% in more defensive investments, like your cash, your gold, your fixed interest.\n\nWe're trying to limit fluctuations a little bit. Time frame side of it, we do typically want to allow at least eight years until retirement because you do see a bit of fluctuations in the short term in order to kinda grow it in the long term. Are you still comfortable with a high growth portfolio, or has your risk tolerance or anything changed?\n\nChannel 1: No. I'm generally comfortable with that.\n\nChannel 0: Yep. Okay. Perfect. Now do you have access to your emails at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So what I have done is I have sent you an email, with a couple of attachments just to run through, quickly with you, then we're all finished for today. If you are able to access those for me. It can\n\nChannel 1: K.\n\nChannel 0: also end in the spam\n\nChannel 1: Is\n\nChannel 0: folder\n\nChannel 1: that the\n\nChannel 0: because\n\nChannel 1: signature request? Is that that one?\n\nChannel 0: yes. Yes, please. Yep. That's the one.\n\nChannel 1: Yeah.\n\nChannel 0: So before you click on the link, because that will ask you to sign the documents that needs signing. But before you click on it, if you scroll down, you will see a couple of attachments. Can you see those?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now the one that says Oakview services guide version one and Oakview financial services guide version four, I will\n\nChannel 1: Yes.\n\nChannel 0: let you have a read over those in your own time. It's one of those compliance\n\nChannel 1: Okay.\n\nChannel 0: documents you would have seen before. It is just an updated financial services guide. So, basically, everything that you need to know about us is all in them. We've had some changes to our marketing, which is great, and a bit of extension to the team. So, basically, everything about the team, all our advisers, and everything is in there for you if you do wanna have a read over them.\n\nChannel 1: Okay.\n\nChannel 0: Yep. The next one is can you see a super and insurance summary one?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So if you open that one for me, you can see your Netwealth Super, and it shows you as well the balance of 193,105.\n\nChannel 1: Okay.\n\nChannel 0: And then underneath that, you have your Neos insurances. So you have your life and total permanent disability insurance.\n\nChannel 1: Yep.\n\nChannel 0: That is 654,604. And then you also have an income protection policy, and that will pay sorry. Let me see. My documents just went out for me. It will pay 1,025 a month with a thirty day waiting period and a five year benefit period.\n\nAll those threes are paid from within superannuation. You get a 15% tax rebate. So after that, the total premium is 1,425.\n\nChannel 1: Okay.\n\nChannel 0: Now now with your insurances, because your income has gone up quite a bit from when, obviously, we took out your policy, your income protection, you are you could be covered for more if you wanted to.\n\nChannel 1: Yep. Right. Okay. No. I think I'm comfortable with where that's\n\nChannel 0: Okay.\n\nChannel 1: sitting.\n\nChannel 0: Yeah. Perfect. Because if you did wanna increase it, it would mean in the insurance eye, you would have to take on more risk. You'd have to go through the underwriting process again, and then the insurances will get more expensive because you have more cover. So\n\nChannel 1: Yeah.\n\nChannel 0: I will\n\nChannel 1: Sure.\n\nChannel 0: leave that all for now, which is good. Now the other one is the Vanguard index chart. Can you see this one okay?\n\nChannel 1: Is that back on the email?\n\nChannel 0: Yes. Should be like the first one. 2025 Vanguard index chart.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yep. Sorry. You may have seen this one before, but it is a good visual representation of what we are talking about when we are typically talking about the market. So you can kind of see here that dates back all through 1995 and then through all the ups and downs of the market. So when you have a look at it, you will see that over the long term, the market always goes up.\n\nBut short term, there will be some ups and downs and market fluctuations depending on what is going on as well. So it is a good way to kind of see it long term. And\n\nChannel 1: And what\n\nChannel 0: sorry.\n\nChannel 1: so when you say what what are we looking at going up here? Is that actual super is that superannuation?\n\nChannel 0: It's different asset classes. So\n\nChannel 1: Right. Okay.\n\nChannel 0: at\n\nChannel 1: Oh,\n\nChannel 0: the moment\n\nChannel 1: okay. Yeah.\n\nChannel 0: so\n\nChannel 1: I see them on the side there.\n\nChannel 0: yeah. So kind of referring back to how your super is invested to relate it is that in that high growth portfolio, you have about 90% invested in top four. That is your US shares, Australian shares, international shares, and property. That includes your growth investments. So they are the one that obviously grows the most but also fluctuates the most.\n\nAnd then you\n\nChannel 1: Yeah.\n\nChannel 0: have about 10% in defensive, which would be those bottom three.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that make sense? Perfect. Now the last attachment would then be your asset performance detail. Can you see that one okay?\n\nChannel 1: Yeah. One second.\n\nChannel 0: Yep. It should be the one that has all the\n\nChannel 1: Yep. Okay.\n\nChannel 0: yeah. So this one can look a little bit messy, especially if you are looking at a phone, if it's a little bit small.\n\nChannel 1: No.\n\nChannel 0: But\n\nChannel 1: I'm on a laptop folder.\n\nChannel 0: it's perfect. There you go. So this one here breaks down all your investments. So you can see all your individual investments listed here and then how they have performed over the last twelve months. So this one here ranges from the 03/02/2025 to the 03/01/2026 when we put together this document for you, which shows you all your individual investments and how they have performed after fees.\n\nNow did you also get our email with the record of advice outlining the investment change? Did you have a look at that one at all?\n\nChannel 1: I'm not sure. I can't remember. Was that was that recently?\n\nChannel 0: Yes. Let me see. It was on the March 13.\n\nChannel 1: Okay. Okay. I can have a look at that.\n\nChannel 0: Yeah. It's just for your reference. You don't need to sign it or anything, but it is just your reference essentially to say that the investment committee have done a lot of research on, obviously, investments and everything like that. There is a lot that has happened and changed in the world and have made a decision to swap out one of your investments, and that is the Benelon Australian Equities, which you can see on the document here. Now that one here was originally added to your portfolio.\n\nIt is an active, managed fund with the purpose of trying to actively buy and sell investments in order to try to outperform the market. So when this one was added to your portfolio, it was doing really well. It was one of the top performing fund managers at the time as well, and it has done really well up until recently. More recently, they have underperformed a little bit. Some of some of the reasons has been that they have made a couple of high convictions on stocks that they think are going to do really well, which hasn't really played out.\n\nAnd then one of the investments that they also had in their portfolio was the corporate travel group. I'm not sure if you've seen or read anything, but they had a bit of issues with reporting, which meant that they had to cease that they were basically suspended from trading for a while because of it, which saw everything drop down and fluctuate. So\n\nChannel 1: Right.\n\nChannel 0: that one is, like I said, has underperformed. So the investment committee and everything after researching all the investment made the decision that we don't foresee that kind of coming back around and doing well in the future. So we have\n\nChannel 1: Right.\n\nChannel 0: swapped swapped it out for an alternative. All this is in that email as well if you do wanna go and obviously read on it because it is a lot to take in.\n\nChannel 1: Yes.\n\nChannel 0: But, essentially, we have swapped it for the BetaShares Australia two hundred. So, obviously, the portfolio we wanna keep a consistent asset class wise. We don't wanna have you too much in just one industry or sector. So by swapping out an Australian investment, we wanna include another Australian investment for you, which is that Australian 200. So that one just basically tracks the 200 largest companies listed on the ASX.\n\nSo it is a little bit cheaper than the Australian Equity and has performed a little bit better. So we have made the decision to swap that one out for you.\n\nChannel 1: Okay.\n\nChannel 0: Do\n\nChannel 1: Alright.\n\nChannel 0: you have any\n\nChannel 1: So\n\nChannel 0: questions with that?\n\nChannel 1: so no. Okay. So, essentially, it had gone down. So we sold at a at a at while it was down, and then we bought something else. But to we've sold because we're thinking it would continue to go\n\nChannel 0: Yes.\n\nChannel 1: down.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And by obviously, when you do sell the different investments as well, that can be capital gains tax, which, obviously, because the Benelon was down, we can then kind of offset that so you didn't have to pay, you know, tax on earnings and stuff like that. So it worked out pretty well, but, essentially, what you said was exactly right. So\n\nChannel 1: Okay.\n\nChannel 0: that's why we made\n\nChannel 1: Yes.\n\nChannel 0: that change. And we do foresee that moving forward, it's going to be a little bit better. Now, obviously, you don't know what's going to happen in the world and markets and a lot of lot of changes the last twelve months, but that was as you have a look at your portfolio, that was the biggest kind of contributor to the portfolio kind of underperforming a little bit over the last twelve months, which you can see here if you look at that return per portfolio column, the second to the right. Can you see that one?\n\nChannel 1: Yeah. So so for the last for over the last twelve months, I'm sitting\n\nChannel 0: Yes.\n\nChannel 1: at minus 1.7.\n\nChannel 0: After fees. Yes. Correct.\n\nChannel 1: Oh, okay. I think that's the first time that's happened.\n\nChannel 0: Yes. And in a high growth portfolio as well, because, obviously, going back to that Vanguard graft, there are years where things are going to do really well, and then there's some years where it's going to be a bit negative as well. So in a high growth, typically speaking, we see the likelihood of a negative return is about one in every five years. Again,\n\nChannel 1: Yeah. Right.\n\nChannel 0: it depends kind of what is going on in the market and everything like that. So from, obviously, when you came on board and what's happened, it's not unexpected because we are investing in your high growth investments in trying to maximize that growth. And part of the long term is that sometimes there will be at times when it's not so good, and then other years, it will be a lot better. So likelihood of that negative return is about one in every five years in a high growth portfolio, which does kind of, you know, align with what's happened to your portfolio as well. Yeah.\n\nNow as you do also look at the other investments, you can see\n\nChannel 1: Okay.\n\nChannel 0: kind of how all of them have performed. Like we said, Ben, along, we did swap out for you. You can see that the other one that was down is your BetaShares Global Cybersecurity. That one is more of a cyclical investment. There's obviously a lot that's changing in the AI cybersecurity world, but we still think it's going to be a good investment long term.\n\nSo we're not too concerned of wanting to swap that one out yet because it has also in the last couple of years done really well. So Fenelon\n\nChannel 1: Yeah. Okay.\n\nChannel 0: didn't have the same conviction. But you can then also see that kind of the other investments, despite there being a bit of fluctuations, you can even see that the Europe investment was up by 14.95%. The Meskewold, 17. You have Japan, Let me see here. At about 23.\n\nSo overall, the reason why, obviously, the portfolio was predominantly not so good was that you did have quite a bit in your Bennelong investment, which is the one that we've swapped out for you now.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yep. Does that make sense? I know it's probably a lot to\n\nChannel 1: Yep.\n\nChannel 0: kind of\n\nChannel 1: No. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: Yep. Okay. Perfect. Now that was basically all of the investments. Now also the return that's returned on the investment.\n\nSo, obviously, if you have contributions going, this doesn't factor that in. So that is just the return on the investment after fee.\n\nChannel 1: Yes. That's\n\nChannel 0: Yep.\n\nChannel 1: yeah, that\n\nChannel 0: Perfect. Now if you then wanna click on the link for me, I will just kind of talk you through the two\n\nChannel 1: was\n\nChannel 0: documents\n\nChannel 1: fine.\n\nChannel 0: that we'll need you to sign if you are comfortable to do so. But if you can click on the link, then I can show you the documents first.\n\nChannel 1: Okay.\n\nChannel 0: And there should be two.\n\nChannel 1: Right.\n\nChannel 0: Now can you see the one where it says Netwealth advice fee consent?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now this is your ongoing service agreement. So that is if you are happy to stay on as a client. We'll just need you to sign this document to say that we can obviously keep servicing your account.\n\nThere is no lock in contract. So if at any point in time you are not happy with the service or you wanna go elsewhere, there is no lock in contract whatsoever. This just allows us to service you until the next unreview unless you decide to cancel before then. And then, obviously, you'd have to sign another ongoing agreement if you then wanna sign stay on board. The fee itself is not changing.\n\nIt's staying exactly the same at 1.65%, just from superannuation. Any questions with that?\n\nChannel 1: So that's the fee that it's been that's like the what it's been the last few years, is it?\n\nChannel 0: Exactly. So it's saying exactly the same at 1.65. It hasn't increased or changed at all.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yep. Any questions with that?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And then your last one is your there's a compliance document. Just to say that we are keeping your tax file number secure on file, essentially. Now those two documents are the ones that we'll need you to sign if you are happy to stay on board.\n\nIf you wanna take some time to obviously read through the document, by all means, you're more than welcome to do so. But, otherwise, we do need you to sign those documents when you have a moment. We'll get notified when it comes through, and then we can get that all uploaded for you. In the meantime, like I said, I will get working on those figures for you and email that through to show you that if you, you know, didn't come on board where things would have been with us super, and I'll add all those disclaimers and everything like that into the\n\nChannel 1: Okay.\n\nChannel 0: email\n\nChannel 1: Yep.\n\nChannel 0: for you.\n\nChannel 1: Great.\n\nChannel 0: Yep. Now do you have any questions, or what are your thoughts on everything before I let you go and enjoy the rest of your afternoon?\n\nChannel 1: Oh, look. You know, I mean, I get the whole, like, market and everything like that, but I guess it just depends on where everything's sitting. All I know is is that my husband's super he's he's not invested the time or anything into, you know, trying to do you know, be proactive or\n\nChannel 0: Yep.\n\nChannel 1: working with a company or whatever. He just sits with, like, you know, the standard whatever, and we've done we've, Nest. And he's super he's doing better than mine. So I guess\n\nChannel 0: Mhmm.\n\nChannel 1: it's kind of like I am concerned to see a minor number there because, I guess, for me, it's kind of like, you know, if you're investing in professionals and extra advisers looking over your and and and it's and they're not getting it right.\n\nChannel 0: Yeah.\n\nChannel 1: You know? So I yeah. Like, seeing a negative figure is definitely a big one for me because it's not even like a small percentage. It's actually in the red.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So I definitely I mean yeah. I mean, I know I'm sort of willing to take on the risk and stuff like that, but there's also, like there's the reason why you're investing sorry, why you're why you're, you know, spending money, you know,\n\nChannel 0: Yep.\n\nChannel 1: to have people kind of watching over this for you and stuff like that as well. So,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, over the last couple of years, like, I haven't really been seeing a significant, I guess, improvement to warrant, I guess, that investment, if you know what I mean. So\n\nChannel 0: Mhmm.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: don't know. I'm I'm I'm I am I am thinking that this might be the year that I kind of shift and go back to, you know, go back to a a a a normal fund because I just I I don't know if the, you know, wall's being kinda caught over my\n\nChannel 0: Yeah.\n\nChannel 1: eyes here a bit like and I just I actually don't feel very confident in this at the moment, to be honest. So\n\nChannel 0: Yeah.\n\nChannel 1: because it just as I said, I said, I I just see my husband's super sort of growing, and he's not doing he's just with the standard fund. And\n\nChannel 0: Yep.\n\nChannel 1: so I just feel like, you know, with all the fees and everything and I know\n\nChannel 0: Yep.\n\nChannel 1: don't get me wrong. I know there is\n\nChannel 0: Yeah.\n\nChannel 1: an extra\n\nChannel 0: Yeah.\n\nChannel 1: insurance kind of that I am getting higher insurance than\n\nChannel 0: Yep.\n\nChannel 1: I was. That\n\nChannel 0: Yeah.\n\nChannel 1: is a bonus, but, ultimately, I could organize insurance myself. You know? And we're talking about yeah. Like, I mean, I'm not I'm like the, you know, the mom and the of the family, if you know what I mean. So I've kind of given up my ability to earn,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: you know, huge amounts of money to stay home and stay and look after the kids and everything. So I'm kind of capped at the moment where I'm sitting, and\n\nChannel 0: Yeah.\n\nChannel 1: I just, like, need everything to be working as good as possible. And as I said,\n\nChannel 0: Yeah.\n\nChannel 1: just seeing that minus there is quite\n\nChannel 0: Yeah.\n\nChannel 1: quite disheartening.\n\nChannel 0: Daunting.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And, you know, I completely understand that as well. And, you know, with if it was consistently going down over time, then there's obviously something structural with the investments, and I would totally, totally get that. When I look, obviously, at the portfolio through time, it is expected to have that likelihood negative year, but, obviously, we want you to be comfortable. So I'm more than happy to do this or super comparison for you.\n\nWhat I can do as well is it's super easy to draw the report. So what I can do is I can, with that email, actually send you the yearly report from when you came on board so you can\n\nChannel 1: Yes.\n\nChannel 0: see kind of, okay. Well, how has everything gone each year? So then you can also see that, you know, there are a bit of fluctuations, but also each year overall, if that would still put you in a better position even though this year wasn't as great, if the other\n\nChannel 1: Yep.\n\nChannel 0: years are still kind of putting that forward by more. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Would you\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: That's\n\nChannel 0: you would\n\nChannel 1: fine.\n\nChannel 0: that would that be helpful if I send\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: That\n\nChannel 0: those\n\nChannel 1: would\n\nChannel 0: reports\n\nChannel 1: be\n\nChannel 0: as well? Yeah.\n\nChannel 1: yeah. That would be helpful.\n\nChannel 0: Perfect. Obviously, the other thing to obviously, be mindful of when it comes to comparing different superannuations is how your money is invested, but then also, obviously, employee contributions and then how much how much he would potentially have because it compounds and obviously compare the return, which I'm sure you would do then, like, obviously, the the increase in the dollar value because the more you have, the more it compounds and grows quicker, if that makes sense.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: For sure.\n\nChannel 0: Perfect. Alright. What I'll do is I will get this document for you. I'll email that Australian super comparison. I will send you the yearly reports as well.\n\nNow would you like me to give you a call in, like, a week or two once you've had a read through it to see how you feel, if you have any questions, what your thoughts\n\nChannel 1: Yeah.\n\nChannel 0: are?\n\nChannel 1: Sure. That's fine.\n\nChannel 0: Yeah? Now when is normally a good time for you?\n\nChannel 1: It's hard to say. Just I mean, generally, not Monday and Tuesday. They are my busiest days, so you can try me on a Wednesday or Thursday. That's fine.\n\nChannel 0: Okay. Perfect. Now I do have some availability in next Thursday. That is about 02:30. Do you think that would be okay, or would you want, like, another\n\nChannel 1: Yeah.\n\nChannel 0: week\n\nChannel 1: That's\n\nChannel 0: after that?\n\nChannel 1: maybe a little bit earlier than 02:30.\n\nChannel 0: Yep. Okay. I could do 10:00.\n\nChannel 1: Yeah. That's great.\n\nChannel 0: Yeah. Okay. Perfect. So I'll book that in on Thursday, the March 26 at 10AM. If you have any questions or concerns before then, by all means, you can always give me a call and send me an email.\n\nOtherwise, I will tryna get that reports and everything through you by end of business day tomorrow to give you some time to obviously have a read through everything, have a think about it, and then you can obviously let me know if you have any other concerns and what your thoughts are on Thursday next week.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Great. And\n\nChannel 0: Yeah.\n\nChannel 1: then\n\nChannel 0: Perfect.\n\nChannel 1: how would I go about getting someone contacting me so I can get access into my account help me get access to my account again?\n\nChannel 0: So I can either get someone to contact Netwealth on your behalf and get Netwealth to call you. Because of\n\nChannel 1: Yeah.\n\nChannel 0: because of privacy, we can't do it. I can get Netwealth to call you, or if you want to call Netwealth yourself and request access. It's whatever is easiest for you.\n\nChannel 1: If you could get someone to call me, that\n\nChannel 0: Yeah.\n\nChannel 1: would be awesome.\n\nChannel 0: Yeah. Perfect. I will get the team to call Netwealth and get Netwealth to give you a call. If they haven't given you a call in a day or two, even just let me know, and I'll see if I can follow-up with them. But\n\nChannel 1: Okay.\n\nChannel 0: it depends\n\nChannel 1: Great.\n\nChannel 0: also, you know, their backlog and stuff. But I'll make a little note here as well to touch base at least next Thursday to see if someone from Netwealth actually called you and if you were able to get into your account as well.\n\nChannel 1: Okay. Great. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: No. That's okay. Do you have any other questions for me at this point otherwise before I let you go?\n\nChannel 1: No. That's no. That's\n\nChannel 0: No?\n\nChannel 1: that's all good.\n\nChannel 0: No. Alright. Perfect. Well, thank you so much for your time today, and I hope you enjoy the rest of your afternoon. And I look forward to speaking with you next Thursday.\n\nChannel 1: Awesome. Thanks so much.\n\nChannel 0: Mhmm. No problem. We'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.03195752948522568},{"text":"Candice speaking.","start":0.71999997,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.04188338294625282}],"sentiment":"neutral","sentiment_score":0.03857476512591044,"channel":1,"num_words":3,"start":0.39999998,"end":1.6999999},{"sentences":[{"text":"Good afternoon,","start":2.32,"end":2.96,"sentiment":"neutral","sentiment_score":0.3263942748308182}],"sentiment":"neutral","sentiment_score":0.3263942748308182,"channel":0,"num_words":2,"start":2.32,"end":2.96},{"sentences":[{"text":"Good","start":2.72,"end":3.04,"sentiment":"positive","sentiment_score":0.3983994126319885}],"sentiment":"positive","sentiment_score":0.3983994126319885,"channel":1,"num_words":1,"start":2.72,"end":3.04},{"sentences":[{"text":"Candice.","start":2.96,"end":3.36,"sentiment":"positive","sentiment_score":0.3775123059749603}],"sentiment":"positive","sentiment_score":0.3775123059749603,"channel":0,"num_words":1,"start":2.96,"end":3.36},{"sentences":[{"text":"afternoon.","start":3.04,"end":3.54,"sentiment":"neutral","sentiment_score":0.2231280654668808}],"sentiment":"neutral","sentiment_score":0.2231280654668808,"channel":1,"num_words":1,"start":3.04,"end":3.54},{"sentences":[{"text":"This","start":3.36,"end":3.6,"sentiment":"neutral","sentiment_score":0.2279289811849594}],"sentiment":"neutral","sentiment_score":0.2279289811849594,"channel":0,"num_words":1,"start":3.36,"end":3.6},{"sentences":[{"text":"This","start":3.6,"end":4.08,"sentiment":"neutral","sentiment_score":0.1984826624393463}],"sentiment":"neutral","sentiment_score":0.1984826624393463,"channel":1,"num_words":1,"start":3.6,"end":4.08},{"sentences":[{"text":"is Veronica","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.18813012540340424}],"sentiment":"neutral","sentiment_score":0.18813012540340424,"channel":0,"num_words":2,"start":3.6,"end":4.16},{"sentences":[{"text":"is","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.1751018464565277}],"sentiment":"neutral","sentiment_score":0.1751018464565277,"channel":1,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"from Oakview Financial.","start":4.16,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.1729217916727066},{"text":"How are you?","start":5.2799997,"end":6.1,"sentiment":"neutral","sentiment_score":0.13722242414951324}],"sentiment":"neutral","sentiment_score":0.15507210791110992,"channel":0,"num_words":6,"start":4.16,"end":6.1},{"sentences":[{"text":"Sorry.","start":6.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":-0.06803569197654724},{"text":"I missed where you're calling from.","start":7.12,"end":9.38,"sentiment":"neutral","sentiment_score":-0.06814926738540332}],"sentiment":"neutral","sentiment_score":-0.06813304232699531,"channel":1,"num_words":7,"start":6.7999997,"end":9.38},{"sentences":[{"text":"Oakview Financial?","start":9.679999,"end":10.82,"sentiment":"neutral","sentiment_score":-0.003193996846675873}],"sentiment":"neutral","sentiment_score":-0.003193996846675873,"channel":0,"num_words":2,"start":9.679999,"end":10.82},{"sentences":[{"text":"Oh, hi.","start":11.599999,"end":12.16,"sentiment":"neutral","sentiment_score":0.057488543912768364},{"text":"How are you?","start":12.16,"end":12.98,"sentiment":"neutral","sentiment_score":0.07036795218785603}],"sentiment":"neutral","sentiment_score":0.06521618887782096,"channel":1,"num_words":5,"start":11.599999,"end":12.98},{"sentences":[{"text":"Yeah.","start":13.215,"end":13.535,"sentiment":"neutral","sentiment_score":0.11407151818275452},{"text":"Good.","start":13.535,"end":13.775001,"sentiment":"neutral","sentiment_score":0.2975999414920807},{"text":"How are you?","start":13.775001,"end":14.675,"sentiment":"neutral","sentiment_score":0.1723403682311376}],"sentiment":"neutral","sentiment_score":0.1857385128736496,"channel":0,"num_words":5,"start":13.215,"end":14.675},{"sentences":[{"text":"Yeah.","start":14.875,"end":15.115,"sentiment":"neutral","sentiment_score":0.20997373759746552},{"text":"Good.","start":15.115,"end":15.3550005,"sentiment":"positive","sentiment_score":0.4662949740886688},{"text":"Thank you.","start":15.3550005,"end":16.095001,"sentiment":"positive","sentiment_score":0.6331529319286346}],"sentiment":"positive","sentiment_score":0.4856436438858509,"channel":1,"num_words":4,"start":14.875,"end":16.095001},{"sentences":[{"text":"I had you booked in to complete your annual review.","start":17.215,"end":19.775,"sentiment":"positive","sentiment_score":0.4279311090707779},{"text":"Is now still a good time for you?","start":19.775,"end":21.555,"sentiment":"positive","sentiment_score":0.36354390904307365}],"sentiment":"positive","sentiment_score":0.39931457572513157,"channel":0,"num_words":18,"start":17.215,"end":21.555},{"sentences":[{"text":"Yeah.","start":22.154999,"end":22.395,"sentiment":"neutral","sentiment_score":0.1855393946170807},{"text":"We can do that.","start":22.395,"end":23.035,"sentiment":"neutral","sentiment_score":0.20256519317626953},{"text":"Yeah.","start":23.035,"end":23.355,"sentiment":"neutral","sentiment_score":0.13489657640457153},{"text":"No problem.","start":23.355,"end":24.015,"sentiment":"neutral","sentiment_score":0.15521053969860077}],"sentiment":"neutral","sentiment_score":0.18013972789049149,"channel":1,"num_words":8,"start":22.154999,"end":24.015},{"sentences":[{"text":"Yes.","start":23.695,"end":24.195,"sentiment":"neutral","sentiment_score":0.1095818132162094},{"text":"Okay.","start":24.32,"end":24.64,"sentiment":"neutral","sentiment_score":0.08796779811382294},{"text":"I'll try to be a bit quick if you are a little bit short for time.","start":24.64,"end":27.38,"sentiment":"neutral","sentiment_score":-0.00957838527392596},{"text":"But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":28.4,"end":35.62,"sentiment":"neutral","sentiment_score":0.025111975148320198}],"sentiment":"neutral","sentiment_score":0.016248494589134403,"channel":0,"num_words":46,"start":23.695,"end":35.62},{"sentences":[{"text":"Yeah.","start":36.15,"end":36.47,"sentiment":"neutral","sentiment_score":0.1455005556344986},{"text":"That's fine.","start":36.47,"end":37.29,"sentiment":"neutral","sentiment_score":0.23418573290109634}],"sentiment":"neutral","sentiment_score":0.20462400714556375,"channel":1,"num_words":3,"start":36.15,"end":37.29},{"sentences":[{"text":"Perfect.","start":37.935,"end":38.435,"sentiment":"positive","sentiment_score":0.41971611976623535},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":38.575,"end":45.315002,"sentiment":"neutral","sentiment_score":0.09230014380927269}],"sentiment":"neutral","sentiment_score":0.10442666143730835,"channel":0,"num_words":27,"start":37.935,"end":45.315002},{"sentences":[{"text":"Yep.","start":46.375,"end":46.875,"sentiment":"neutral","sentiment_score":0.015763014554977417},{"text":"Candice in Ellensburg, 27th Of The 5th 83.","start":47.735,"end":52.315002,"sentiment":"neutral","sentiment_score":0.014721118845045567},{"text":"Sorry.","start":52.855,"end":53.095,"sentiment":"neutral","sentiment_score":-0.027426501736044884},{"text":"What was it?","start":53.095,"end":53.655,"sentiment":"neutral","sentiment_score":-0.0179410083219409},{"text":"My address?","start":53.655,"end":54.235,"sentiment":"neutral","sentiment_score":-0.010210176929831505}],"sentiment":"neutral","sentiment_score":0.002124138983587424,"channel":1,"num_words":15,"start":46.375,"end":54.235},{"sentences":[{"text":"Address and date of birth, please.","start":54.75,"end":56.53,"sentiment":"neutral","sentiment_score":0.006157441375156243}],"sentiment":"neutral","sentiment_score":0.006157441375156243,"channel":0,"num_words":6,"start":54.75,"end":56.53},{"sentences":[{"text":"Yep.","start":56.989998,"end":57.489998,"sentiment":"neutral","sentiment_score":0.012672729790210724},{"text":"40 Harrier Drive, Burley Waters 4220 And 27th Of The 5th 83.","start":58.27,"end":63.89,"sentiment":"neutral","sentiment_score":0.01804656822544833}],"sentiment":"neutral","sentiment_score":0.01763319603812236,"channel":1,"num_words":13,"start":56.989998,"end":63.89},{"sentences":[{"text":"Yep.","start":64.125,"end":64.445,"sentiment":"neutral","sentiment_score":0.11060225963592528},{"text":"Perfect.","start":64.445,"end":64.925,"sentiment":"positive","sentiment_score":0.4413912892341614},{"text":"That's exactly what I have here.","start":64.925,"end":66.865,"sentiment":"positive","sentiment_score":0.4636036703983943},{"text":"Now but before I do kind of jump into the annual review, I'd like to always start by asking, if there is anything specific you are wanting me to address today or for that you're hoping to get out of the review or whether it's just just the yellow catch up?","start":67.485,"end":79.97,"sentiment":"neutral","sentiment_score":-0.04163094131531669}],"sentiment":"neutral","sentiment_score":0.020515890918293242,"channel":0,"num_words":59,"start":64.125,"end":79.97},{"sentences":[{"text":"Yeah.","start":81.29,"end":81.61,"sentiment":"neutral","sentiment_score":-0.02819390594959259},{"text":"I mean, it's just a a a sort of, I guess, just a general overview of where we're sitting.","start":81.61,"end":89.07,"sentiment":"neutral","sentiment_score":-0.012040925310238412}],"sentiment":"neutral","sentiment_score":-0.01284857434220612,"channel":1,"num_words":20,"start":81.29,"end":89.07},{"sentences":[{"text":"Mhmm.","start":89.805,"end":90.305,"sentiment":"neutral","sentiment_score":-0.00968898180872202}],"sentiment":"neutral","sentiment_score":-0.00968898180872202,"channel":0,"num_words":1,"start":89.805,"end":90.305},{"sentences":[{"text":"And I always like to kind of see I think in in in the past, they've sort of given me an indication of where I would sort of be sitting if I had continued staying with Australian is it Australian Super Bowl or my old Superfund?","start":90.89,"end":108.185,"sentiment":"neutral","sentiment_score":-0.02342063458585788},{"text":"I can't think of them now.","start":108.325,"end":109.71,"sentiment":"neutral","sentiment_score":-0.10003348564108212}],"sentiment":"neutral","sentiment_score":-0.03226057893838375,"channel":1,"num_words":52,"start":90.89,"end":109.71},{"sentences":[{"text":"I can go back","start":110.954994,"end":111.835,"sentiment":"neutral","sentiment_score":-0.024226120673120022}],"sentiment":"neutral","sentiment_score":-0.024226120673120022,"channel":0,"num_words":4,"start":110.954994,"end":111.835},{"sentences":[{"text":"Right.","start":111.63,"end":112.13,"sentiment":"neutral","sentiment_score":0.014183539897203444}],"sentiment":"neutral","sentiment_score":0.014183539897203444,"channel":1,"num_words":1,"start":111.63,"end":112.13},{"sentences":[{"text":"and have a look for you.","start":111.835,"end":113.454994,"sentiment":"neutral","sentiment_score":0.02643976453691721},{"text":"Just bear with 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up.","start":926.05,"end":927.41003,"sentiment":"neutral","sentiment_score":0.19849771012862524},{"text":"That's good.","start":927.41003,"end":928.15,"sentiment":"positive","sentiment_score":0.6154328286647797},{"text":"Now let me see here.","start":930.05,"end":931.73004,"sentiment":"neutral","sentiment_score":0.09418336004018783},{"text":"Otherwise, I guess, when it comes to accessing superannuation,","start":931.73004,"end":935.555,"sentiment":"neutral","sentiment_score":0.0025520388864808613}],"sentiment":"neutral","sentiment_score":0.13357319620748362,"channel":0,"num_words":27,"start":924.61,"end":935.555},{"sentences":[{"text":"Yeah.","start":935.25,"end":935.75,"sentiment":"neutral","sentiment_score":0.03832847625017166}],"sentiment":"neutral","sentiment_score":0.03832847625017166,"channel":1,"num_words":1,"start":935.25,"end":935.75},{"sentences":[{"text":"I have here that, you're planning on accessing super at the age of 60.","start":935.855,"end":941.155,"sentiment":"neutral","sentiment_score":0.024083960402224745},{"text":"Is that still the plan?","start":941.295,"end":943.155,"sentiment":"neutral","sentiment_score":0.02206527814269066}],"sentiment":"neutral","sentiment_score":0.023552728228663142,"channel":0,"num_words":19,"start":935.855,"end":943.155},{"sentences":[{"text":"Yeah.","start":943.875,"end":944.195,"sentiment":"neutral","sentiment_score":0.025851791724562645},{"text":"I guess so.","start":944.195,"end":944.91504,"sentiment":"neutral","sentiment_score":0.026871391261617344},{"text":"Yep.","start":944.91504,"end":945.41504,"sentiment":"neutral","sentiment_score":0.0667019933462143}],"sentiment":"neutral","sentiment_score":0.03463359177112579,"channel":1,"num_words":5,"start":943.875,"end":945.41504},{"sentences":[{"text":"Yep.","start":945.455,"end":945.955,"sentiment":"neutral","sentiment_score":0.07591073215007782},{"text":"Well, that is the earliest you can currently at least with the legislation.","start":946.335,"end":949.635,"sentiment":"neutral","sentiment_score":0.037028576319034286},{"text":"If you stop working, it is at 60.","start":949.695,"end":951.65,"sentiment":"neutral","sentiment_score":-0.0041776555590331554},{"text":"You can take it tax free.","start":951.65,"end":953.19,"sentiment":"neutral","sentiment_score":0.09559203311800957}],"sentiment":"neutral","sentiment_score":0.03919332780476127,"channel":0,"num_words":28,"start":945.455,"end":953.19},{"sentences":[{"text":"Right.","start":953.395,"end":953.715,"sentiment":"neutral","sentiment_score":0.0422992929816246},{"text":"Okay.","start":953.715,"end":954.11505,"sentiment":"neutral","sentiment_score":0.03536238148808479},{"text":"Yeah.","start":954.11505,"end":954.61505,"sentiment":"neutral","sentiment_score":0.018138065934181213}],"sentiment":"neutral","sentiment_score":0.03193324680129687,"channel":1,"num_words":3,"start":953.395,"end":954.61505},{"sentences":[{"text":"Now, otherwise, when it comes to how much risk you are willing to take in regards to your superannuation, Are you willing to take, you know, very high risk, high risk moderate, or a small amount of risk in order to kinda keep up pace, you know, with inflation and increase in prices?","start":955.89,"end":975.21497,"sentiment":"neutral","sentiment_score":-0.07821245523134493}],"sentiment":"neutral","sentiment_score":-0.07821245523134493,"channel":0,"num_words":53,"start":955.89,"end":975.21497},{"sentences":[{"text":"Yeah.","start":976.285,"end":976.785,"sentiment":"neutral","sentiment_score":-0.06455439329147339},{"text":"I would say, like, high risk, moderate.","start":977.005,"end":979.265,"sentiment":"neutral","sentiment_score":-0.07039082050323486}],"sentiment":"neutral","sentiment_score":-0.06966126710176468,"channel":1,"num_words":8,"start":976.285,"end":979.265},{"sentences":[{"text":"High risk?","start":979.21,"end":979.95,"sentiment":"neutral","sentiment_score":-0.09357280656695366}],"sentiment":"neutral","sentiment_score":-0.09357280656695366,"channel":0,"num_words":2,"start":979.21,"end":979.95},{"sentences":[{"text":"Like yeah.","start":979.565,"end":980.625,"sentiment":"neutral","sentiment_score":-0.07600226998329163}],"sentiment":"neutral","sentiment_score":-0.07600226998329163,"channel":1,"num_words":2,"start":979.565,"end":980.625},{"sentences":[{"text":"Yeah.","start":980.49,"end":980.99,"sentiment":"neutral","sentiment_score":0.04100697487592697},{"text":"Perfect.","start":981.29,"end":981.79,"sentiment":"neutral","sentiment_score":0.2047676295042038},{"text":"And if you, after six months of placing an investment, found out that your portfolio has decreased in value by 20%, would you if you had the option to do so, I think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold and wait to see what happens, or would you want to shift to a more secure asset?","start":982.89,"end":1007.99,"sentiment":"neutral","sentiment_score":-0.03195265879573887},{"text":"So that means the other selling when the prices have already dropped.","start":1008.20996,"end":1011.11,"sentiment":"neutral","sentiment_score":-0.11040477889279525}],"sentiment":"neutral","sentiment_score":-0.03921410154508448,"channel":0,"num_words":87,"start":980.49,"end":1011.11},{"sentences":[{"text":"The first one.","start":1013.56,"end":1014.62,"sentiment":"neutral","sentiment_score":0.03288575386007627}],"sentiment":"neutral","sentiment_score":0.03288575386007627,"channel":1,"num_words":3,"start":1013.56,"end":1014.62},{"sentences":[{"text":"The first one.","start":1014.945,"end":1015.745,"sentiment":"neutral","sentiment_score":0.07388547932108243},{"text":"Perfect.","start":1015.745,"end":1016.245,"sentiment":"neutral","sentiment_score":0.04772753268480301},{"text":"Now next one is in regards to superannuation dropping in value.","start":1019.265,"end":1025.525,"sentiment":"neutral","sentiment_score":-0.20645652169531042},{"text":"So if you ever noticed your superannuation fluctuate and drop in value over to the last twelve months, we've seen a bit of fluctuation with everything going on in the world in the last twelve months.","start":1026.0701,"end":1035.85,"sentiment":"neutral","sentiment_score":-0.3070056351522605},{"text":"If it was something that you did notice, would you say that you would feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, or that would make you feel quite concerned?","start":1036.63,"end":1050.985,"sentiment":"neutral","sentiment_score":-0.29817547668751915}],"sentiment":"neutral","sentiment_score":-0.2739832443551401,"channel":0,"num_words":89,"start":1014.945,"end":1050.985},{"sentences":[{"text":"Maybe the second one.","start":1054.195,"end":1055.235,"sentiment":"neutral","sentiment_score":-0.12643916346132755},{"text":"Maybe cautious.","start":1055.235,"end":1056.0549,"sentiment":"neutral","sentiment_score":-0.1200064942240715}],"sentiment":"neutral","sentiment_score":-0.1242949403822422,"channel":1,"num_words":6,"start":1054.195,"end":1056.0549},{"sentences":[{"text":"So yeah.","start":1056.1,"end":1056.92,"sentiment":"neutral","sentiment_score":0.02911245822906494},{"text":"Perfect.","start":1056.98,"end":1057.48,"sentiment":"positive","sentiment_score":0.33734768629074097},{"text":"And the last one is, would you ever consider taking out a loan to invest on the stock market?","start":1059.22,"end":1065.56,"sentiment":"neutral","sentiment_score":0.06552387068146154}],"sentiment":"neutral","sentiment_score":0.07456937025893819,"channel":0,"num_words":22,"start":1056.1,"end":1065.56},{"sentences":[{"text":"No.","start":1066.515,"end":1066.755,"sentiment":"neutral","sentiment_score":-0.26120907068252563},{"text":"I don't think I can do that.","start":1066.755,"end":1068.2949,"sentiment":"neutral","sentiment_score":-0.2607817053794861}],"sentiment":"neutral","sentiment_score":-0.26083512604236603,"channel":1,"num_words":8,"start":1066.515,"end":1068.2949},{"sentences":[{"text":"No.","start":1067.865,"end":1068.365,"sentiment":"neutral","sentiment_score":-0.16649571061134338},{"text":"No.","start":1068.4249,"end":1068.6649,"sentiment":"neutral","sentiment_score":-0.11553993821144104},{"text":"Perfect.","start":1068.6649,"end":1069.1649,"sentiment":"neutral","sentiment_score":0.14413008093833923},{"text":"So just kind of investment property is kind of where taking out a a loan would be where you would be comfortable with.","start":1069.225,"end":1076.2849,"sentiment":"neutral","sentiment_score":0.058998609852531685}],"sentiment":"neutral","sentiment_score":0.046887017643222444,"channel":0,"num_words":26,"start":1067.865,"end":1076.2849},{"sentences":[{"text":"Yeah.","start":1076.49,"end":1076.8099,"sentiment":"neutral","sentiment_score":-0.05589623749256134},{"text":"I don't think I would borrow in order to invest yet.","start":1076.8099,"end":1079.87,"sentiment":"neutral","sentiment_score":-0.17383697561242364}],"sentiment":"neutral","sentiment_score":-0.16400858076910177,"channel":1,"num_words":12,"start":1076.49,"end":1079.87},{"sentences":[{"text":"Yep.","start":1079.96,"end":1080.36,"sentiment":"neutral","sentiment_score":-0.0017594124656170609},{"text":"No.","start":1080.36,"end":1080.6799,"sentiment":"neutral","sentiment_score":-0.01951615884900093},{"text":"Perfect.","start":1080.6799,"end":1081.1799,"sentiment":"neutral","sentiment_score":0.15561635792255402},{"text":"Now that tells me here that from a risk profile point of view, you have come out as a high growth investor, which is the portfolio that we currently have you invested in.","start":1081.5599,"end":1092.855,"sentiment":"neutral","sentiment_score":0.049714967495564255},{"text":"Do you remember what a high growth investor is?","start":1092.9349,"end":1095.755,"sentiment":"neutral","sentiment_score":0.04469695273372862}],"sentiment":"neutral","sentiment_score":0.04838238419033587,"channel":0,"num_words":45,"start":1079.96,"end":1095.755},{"sentences":[{"text":"I was kind of I I would assume a a bit of it, but, yeah, feel free to give me a quick rundown.","start":1097.3301,"end":1102.39,"sentiment":"neutral","sentiment_score":0.025082962992398636}],"sentiment":"neutral","sentiment_score":0.025082962992398636,"channel":1,"num_words":23,"start":1097.3301,"end":1102.39},{"sentences":[{"text":"Yeah.","start":1103.015,"end":1103.415,"sentiment":"neutral","sentiment_score":0.06925751268863678},{"text":"So, essentially, it means someone you know, you are willing to see a bit of fluctuations in the short term in order to kinda maximize growth in the long term when we are thinking of a time frame as well.","start":1103.415,"end":1116.23,"sentiment":"neutral","sentiment_score":0.09239244358614088},{"text":"So making sure that you have enough time in the market because, typically, we see about 90% invested in your growth assets.","start":1116.23,"end":1124.145,"sentiment":"neutral","sentiment_score":0.13034417480230331},{"text":"So these will be things like Australian shares, international shares, property, and commodities, which is going to maximize that growth for you.","start":1124.525,"end":1132.4651,"sentiment":"neutral","sentiment_score":0.25064025819301605},{"text":"And then you have about 10% in more defensive investments, like your cash, your gold, your fixed interest.","start":1132.47,"end":1139.03,"sentiment":"neutral","sentiment_score":0.1554698749548859}],"sentiment":"neutral","sentiment_score":0.14509777214775965,"channel":0,"num_words":103,"start":1103.015,"end":1139.03},{"sentences":[{"text":"We're trying to limit fluctuations a little bit.","start":1139.03,"end":1141.77,"sentiment":"neutral","sentiment_score":0.07104762783274055},{"text":"Time frame side of it, we do typically want to allow at least eight years until retirement because you do see a bit of fluctuations in the short term in order to kinda grow it in the long term.","start":1142.87,"end":1154.145,"sentiment":"neutral","sentiment_score":0.08685256311526665},{"text":"Are you still comfortable with a high growth portfolio, or has your risk tolerance or anything changed?","start":1154.525,"end":1160.9451,"sentiment":"neutral","sentiment_score":0.021781535271336052}],"sentiment":"neutral","sentiment_score":0.06759245443390682,"channel":0,"num_words":64,"start":1139.03,"end":1160.9451},{"sentences":[{"text":"No.","start":1162.51,"end":1162.75,"sentiment":"neutral","sentiment_score":-0.04532880336046219},{"text":"I'm generally comfortable with 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moment?","start":1168.21,"end":1173.0299,"sentiment":"neutral","sentiment_score":0.15522904694080353}],"sentiment":"neutral","sentiment_score":0.21017181554010936,"channel":0,"num_words":14,"start":1165.1699,"end":1173.0299},{"sentences":[{"text":"Yes.","start":1173.795,"end":1174.295,"sentiment":"neutral","sentiment_score":0.136071115732193}],"sentiment":"neutral","sentiment_score":0.136071115732193,"channel":1,"num_words":1,"start":1173.795,"end":1174.295},{"sentences":[{"text":"Yep.","start":1174.605,"end":1175.005,"sentiment":"neutral","sentiment_score":0.17058685421943665},{"text":"Perfect.","start":1175.005,"end":1175.485,"sentiment":"positive","sentiment_score":0.35847586393356323},{"text":"So what I have done is I have sent you an email, with a couple of attachments just to run through, quickly with you, then we're all finished for today.","start":1175.485,"end":1183.585,"sentiment":"neutral","sentiment_score":0.2505835553010305},{"text":"If you are able to access those for me.","start":1184.925,"end":1187.265,"sentiment":"neutral","sentiment_score":0.15775145176384184},{"text":"It can","start":1195.85,"end":1196.51,"sentiment":"neutral","sentiment_score":0.02815996389836073}],"sentiment":"neutral","sentiment_score":0.22145703188035376,"channel":0,"num_words":43,"start":1174.605,"end":1196.51},{"sentences":[{"text":"K.","start":1196.29,"end":1196.79,"sentiment":"neutral","sentiment_score":0.00277112890034914}],"sentiment":"neutral","sentiment_score":0.00277112890034914,"channel":1,"num_words":1,"start":1196.29,"end":1196.79},{"sentences":[{"text":"also end in the spam","start":1196.57,"end":1197.93,"sentiment":"neutral","sentiment_score":-0.012242024019360542}],"sentiment":"neutral","sentiment_score":-0.012242024019360542,"channel":0,"num_words":5,"start":1196.57,"end":1197.93},{"sentences":[{"text":"Is","start":1197.8151,"end":1198.055,"sentiment":"neutral","sentiment_score":-0.045753128826618195}],"sentiment":"neutral","sentiment_score":-0.045753128826618195,"channel":1,"num_words":1,"start":1197.8151,"end":1198.055},{"sentences":[{"text":"folder","start":1197.93,"end":1198.25,"sentiment":"neutral","sentiment_score":-0.05238322913646698}],"sentiment":"neutral","sentiment_score":-0.05238322913646698,"channel":0,"num_words":1,"start":1197.93,"end":1198.25},{"sentences":[{"text":"that the","start":1198.055,"end":1198.6951,"sentiment":"neutral","sentiment_score":-0.03425159864127636}],"sentiment":"neutral","sentiment_score":-0.03425159864127636,"channel":1,"num_words":2,"start":1198.055,"end":1198.6951},{"sentences":[{"text":"because","start":1198.25,"end":1198.49,"sentiment":"neutral","sentiment_score":-0.0248137004673481}],"sentiment":"neutral","sentiment_score":-0.0248137004673481,"channel":0,"num_words":1,"start":1198.25,"end":1198.49},{"sentences":[{"text":"signature request?","start":1198.6951,"end":1199.755,"sentiment":"neutral","sentiment_score":-0.01758202724158764},{"text":"Is that that one?","start":1199.8151,"end":1200.875,"sentiment":"neutral","sentiment_score":0.001760481158271432}],"sentiment":"neutral","sentiment_score":-0.004687021641681592,"channel":1,"num_words":6,"start":1198.6951,"end":1200.875},{"sentences":[{"text":"yes.","start":1200.425,"end":1200.925,"sentiment":"neutral","sentiment_score":0.040180303156375885},{"text":"Yes, please.","start":1201.0651,"end":1201.705,"sentiment":"neutral","sentiment_score":0.06860523670911789},{"text":"Yep.","start":1201.705,"end":1202.105,"sentiment":"neutral","sentiment_score":0.107884518802166},{"text":"That's the one.","start":1202.105,"end":1202.905,"sentiment":"neutral","sentiment_score":0.10724050303300221}],"sentiment":"neutral","sentiment_score":0.08671382921082633,"channel":0,"num_words":7,"start":1200.425,"end":1202.905},{"sentences":[{"text":"Yeah.","start":1202.775,"end":1203.275,"sentiment":"neutral","sentiment_score":0.06677751243114471}],"sentiment":"neutral","sentiment_score":0.06677751243114471,"channel":1,"num_words":1,"start":1202.775,"end":1203.275},{"sentences":[{"text":"So before you click on the link, because that will ask you to sign the documents that needs signing.","start":1202.905,"end":1208.985,"sentiment":"neutral","sentiment_score":0.03974596950176515},{"text":"But before you click on it, if you scroll down, you will see a couple of attachments.","start":1208.985,"end":1213.325,"sentiment":"neutral","sentiment_score":0.014219447573208633},{"text":"Can you see those?","start":1213.385,"end":1214.4451,"sentiment":"neutral","sentiment_score":0.010636968770995736}],"sentiment":"neutral","sentiment_score":0.02598629760905169,"channel":0,"num_words":40,"start":1202.905,"end":1214.4451},{"sentences":[{"text":"Yes.","start":1214.81,"end":1215.31,"sentiment":"neutral","sentiment_score":0.053220175206661224}],"sentiment":"neutral","sentiment_score":0.053220175206661224,"channel":1,"num_words":1,"start":1214.81,"end":1215.31},{"sentences":[{"text":"Yep.","start":1215.57,"end":1215.89,"sentiment":"neutral","sentiment_score":0.08745962381362915},{"text":"Perfect.","start":1215.89,"end":1216.39,"sentiment":"neutral","sentiment_score":0.16901879012584686},{"text":"Now the one that says Oakview services guide version one and Oakview financial services guide version four, I will","start":1216.77,"end":1224.9299,"sentiment":"neutral","sentiment_score":0.05961785289017778}],"sentiment":"neutral","sentiment_score":0.06615321994537399,"channel":0,"num_words":21,"start":1215.57,"end":1224.9299},{"sentences":[{"text":"Yes.","start":1224.89,"end":1225.335,"sentiment":"neutral","sentiment_score":0.06026237830519676}],"sentiment":"neutral","sentiment_score":0.06026237830519676,"channel":1,"num_words":1,"start":1224.89,"end":1225.335},{"sentences":[{"text":"let you have a read over those in your own time.","start":1224.9299,"end":1227.17,"sentiment":"neutral","sentiment_score":0.0787589384073561},{"text":"It's one of those compliance","start":1227.17,"end":1228.39,"sentiment":"neutral","sentiment_score":0.06904139667749405}],"sentiment":"neutral","sentiment_score":0.0757222066167742,"channel":0,"num_words":16,"start":1224.9299,"end":1228.39},{"sentences":[{"text":"Okay.","start":1227.895,"end":1228.395,"sentiment":"neutral","sentiment_score":0.0506453812122345}],"sentiment":"neutral","sentiment_score":0.0506453812122345,"channel":1,"num_words":1,"start":1227.895,"end":1228.395},{"sentences":[{"text":"documents you would have seen before.","start":1228.45,"end":1230.39,"sentiment":"neutral","sentiment_score":0.0524509580185016},{"text":"It is just an updated financial services guide.","start":1230.6649,"end":1233.5449,"sentiment":"neutral","sentiment_score":0.06605611834675074},{"text":"So, basically, everything that you need to know about us is all in them.","start":1233.5449,"end":1237.625,"sentiment":"neutral","sentiment_score":0.13241159915924072},{"text":"We've had some changes to our marketing, which is great, and a bit of extension to the team.","start":1237.625,"end":1242.345,"sentiment":"neutral","sentiment_score":0.29531998104519314},{"text":"So, basically, everything about the team, all our advisers, and everything is in there for you if you do wanna have a read over them.","start":1242.345,"end":1249.3201,"sentiment":"neutral","sentiment_score":0.1579173171520233}],"sentiment":"neutral","sentiment_score":0.16845929113702035,"channel":0,"num_words":71,"start":1228.45,"end":1249.3201},{"sentences":[{"text":"Okay.","start":1249.49,"end":1249.99,"sentiment":"neutral","sentiment_score":0.06499770283699036}],"sentiment":"neutral","sentiment_score":0.06499770283699036,"channel":1,"num_words":1,"start":1249.49,"end":1249.99},{"sentences":[{"text":"Yep.","start":1250.5801,"end":1251.0801,"sentiment":"neutral","sentiment_score":0.0552908293902874},{"text":"The next one is can you see a super and insurance summary one?","start":1251.7001,"end":1256.84,"sentiment":"neutral","sentiment_score":0.04549927808917486}],"sentiment":"neutral","sentiment_score":0.046198674610682895,"channel":0,"num_words":14,"start":1250.5801,"end":1256.84},{"sentences":[{"text":"Yes.","start":1256.635,"end":1257.135,"sentiment":"neutral","sentiment_score":0.07398270070552826}],"sentiment":"neutral","sentiment_score":0.07398270070552826,"channel":1,"num_words":1,"start":1256.635,"end":1257.135},{"sentences":[{"text":"Yep.","start":1257.38,"end":1257.88,"sentiment":"neutral","sentiment_score":0.09931274503469469},{"text":"Perfect.","start":1257.9401,"end":1258.4401,"sentiment":"neutral","sentiment_score":0.1716303527355194},{"text":"So if you open that one for me, you can see your Netwealth Super, and it shows you as well the balance of 193,105.","start":1258.865,"end":1269.8451,"sentiment":"neutral","sentiment_score":0.12508548330515623}],"sentiment":"neutral","sentiment_score":0.1258844114266909,"channel":0,"num_words":26,"start":1257.38,"end":1269.8451},{"sentences":[{"text":"Okay.","start":1270.63,"end":1271.13,"sentiment":"neutral","sentiment_score":0.06389324367046356}],"sentiment":"neutral","sentiment_score":0.06389324367046356,"channel":1,"num_words":1,"start":1270.63,"end":1271.13},{"sentences":[{"text":"And then underneath that, you have your Neos insurances.","start":1272.0801,"end":1275.06,"sentiment":"neutral","sentiment_score":0.054540561305152044},{"text":"So you have your life and total permanent disability insurance.","start":1276.16,"end":1280.74,"sentiment":"neutral","sentiment_score":0.06478224284946918}],"sentiment":"neutral","sentiment_score":0.059930920012687385,"channel":0,"num_words":19,"start":1272.0801,"end":1280.74},{"sentences":[{"text":"Yep.","start":1281.4299,"end":1281.9299,"sentiment":"neutral","sentiment_score":0.05349110811948776}],"sentiment":"neutral","sentiment_score":0.05349110811948776,"channel":1,"num_words":1,"start":1281.4299,"end":1281.9299},{"sentences":[{"text":"That is 654,604.","start":1281.6001,"end":1285.4601,"sentiment":"neutral","sentiment_score":0.052631995330254235},{"text":"And then you also have an income protection policy, and that will pay sorry.","start":1286.205,"end":1292.0449,"sentiment":"neutral","sentiment_score":0.04165584008608546},{"text":"Let me see.","start":1292.0449,"end":1292.605,"sentiment":"neutral","sentiment_score":0.03892034292221069},{"text":"My documents just went out for me.","start":1292.605,"end":1295.585,"sentiment":"neutral","sentiment_score":0.07720898304666791},{"text":"It will pay 1,025 a month with a thirty day waiting period and a five year benefit period.","start":1296.0449,"end":1303.0599,"sentiment":"neutral","sentiment_score":0.08206723754604657}],"sentiment":"neutral","sentiment_score":0.06390026518040233,"channel":0,"num_words":45,"start":1281.6001,"end":1303.0599},{"sentences":[{"text":"All those threes are paid from within superannuation.","start":1303.84,"end":1306.1,"sentiment":"neutral","sentiment_score":0.09837724640965462},{"text":"You get a 15% tax rebate.","start":1306.64,"end":1308.9,"sentiment":"neutral","sentiment_score":0.1539552261432012},{"text":"So after that, the total premium is 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to.","start":1314.785,"end":1329.78,"sentiment":"neutral","sentiment_score":0.08720731684887731}],"sentiment":"neutral","sentiment_score":0.08720731684887731,"channel":0,"num_words":37,"start":1314.785,"end":1329.78},{"sentences":[{"text":"Yep.","start":1330.3201,"end":1330.56,"sentiment":"neutral","sentiment_score":0.11612119525671004},{"text":"Right.","start":1330.56,"end":1330.8,"sentiment":"neutral","sentiment_score":0.1211196780204773},{"text":"Okay.","start":1330.8,"end":1331.2001,"sentiment":"neutral","sentiment_score":0.0974973887205124},{"text":"No.","start":1331.2001,"end":1331.3601,"sentiment":"neutral","sentiment_score":-0.054216399788856506},{"text":"I think I'm comfortable with where 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would mean in the insurance eye, you would have to take on more risk.","start":1335.28,"end":1340.4451,"sentiment":"neutral","sentiment_score":0.13630489497022194},{"text":"You'd have to go through the underwriting process again, and then the insurances will get more expensive because you have more cover.","start":1340.4451,"end":1345.745,"sentiment":"neutral","sentiment_score":0.02434683997522701},{"text":"So","start":1346.2051,"end":1346.365,"sentiment":"neutral","sentiment_score":0.16929958760738373}],"sentiment":"neutral","sentiment_score":0.09861987274377904,"channel":0,"num_words":47,"start":1333.76,"end":1346.365},{"sentences":[{"text":"Yeah.","start":1346.275,"end":1346.675,"sentiment":"neutral","sentiment_score":0.2358594387769699}],"sentiment":"neutral","sentiment_score":0.2358594387769699,"channel":1,"num_words":1,"start":1346.275,"end":1346.675},{"sentences":[{"text":"I will","start":1346.365,"end":1346.9451,"sentiment":"neutral","sentiment_score":0.2722463756799698}],"sentiment":"neutral","sentiment_score":0.2722463756799698,"channel":0,"num_words":2,"start":1346.365,"end":1346.9451},{"sentences":[{"text":"Sure.","start":1346.675,"end":1347.175,"sentiment":"neutral","sentiment_score":0.27809107303619385}],"sentiment":"neutral","sentiment_score":0.27809107303619385,"channel":1,"num_words":1,"start":1346.675,"end":1347.175},{"sentences":[{"text":"leave that all for now, which is good.","start":1347.5651,"end":1349.985,"sentiment":"positive","sentiment_score":0.3526873104274273},{"text":"Now the other one is the Vanguard index chart.","start":1351.1699,"end":1353.97,"sentiment":"neutral","sentiment_score":0.09629426482650968},{"text":"Can you see this one okay?","start":1353.97,"end":1355.27,"sentiment":"neutral","sentiment_score":0.06161863605181376}],"sentiment":"neutral","sentiment_score":0.1764286383986473,"channel":0,"num_words":23,"start":1347.5651,"end":1355.27},{"sentences":[{"text":"Is that back on the email?","start":1357.1,"end":1358.5599,"sentiment":"neutral","sentiment_score":0.040628014132380486}],"sentiment":"neutral","sentiment_score":0.040628014132380486,"channel":1,"num_words":6,"start":1357.1,"end":1358.5599},{"sentences":[{"text":"Yes.","start":1359.25,"end":1359.75,"sentiment":"neutral","sentiment_score":0.09052381664514542},{"text":"Should be like the first one.","start":1362.385,"end":1363.585,"sentiment":"neutral","sentiment_score":0.10286273434758186},{"text":"2025 Vanguard index 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market.","start":1372.465,"end":1381.4401,"sentiment":"neutral","sentiment_score":0.1244324566796422},{"text":"So you can kind of see here that dates back all through 1995 and then through all the ups and downs of the market.","start":1381.9,"end":1388.3,"sentiment":"neutral","sentiment_score":0.10968622099608183},{"text":"So when you have a look at it, you will see that over the long term, the market always goes up.","start":1388.3,"end":1393.7649,"sentiment":"neutral","sentiment_score":0.12792051760923295}],"sentiment":"neutral","sentiment_score":0.11883549059430758,"channel":0,"num_words":75,"start":1370.945,"end":1393.7649},{"sentences":[{"text":"But short term, there will be some ups and downs and market fluctuations depending on what is going on as well.","start":1393.9049,"end":1400.5449,"sentiment":"neutral","sentiment_score":0.08041974689279284},{"text":"So it is a good way to kind of see it long term.","start":1400.5449,"end":1403.9249,"sentiment":"neutral","sentiment_score":0.27284898780859435},{"text":"And","start":1404.1449,"end":1404.6449,"sentiment":"neutral","sentiment_score":0.020526062697172165}],"sentiment":"neutral","sentiment_score":0.15018221682735852,"channel":0,"num_words":35,"start":1393.9049,"end":1404.6449},{"sentences":[{"text":"And what","start":1404.53,"end":1404.85,"sentiment":"neutral","sentiment_score":-0.0050803013145923615}],"sentiment":"neutral","sentiment_score":-0.0050803013145923615,"channel":1,"num_words":2,"start":1404.53,"end":1404.85},{"sentences":[{"text":"sorry.","start":1404.945,"end":1405.445,"sentiment":"neutral","sentiment_score":-0.024434134364128113}],"sentiment":"neutral","sentiment_score":-0.024434134364128113,"channel":0,"num_words":1,"start":1404.945,"end":1405.445},{"sentences":[{"text":"so when you say what what are we looking at going up 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most.","start":1435.89,"end":1440.23,"sentiment":"neutral","sentiment_score":0.09300684829552969}],"sentiment":"neutral","sentiment_score":0.07889648099414638,"channel":0,"num_words":61,"start":1416.82,"end":1440.23},{"sentences":[{"text":"And then you","start":1440.4501,"end":1441.01,"sentiment":"neutral","sentiment_score":0.0405565711359183}],"sentiment":"neutral","sentiment_score":0.0405565711359183,"channel":0,"num_words":3,"start":1440.4501,"end":1441.01},{"sentences":[{"text":"Yeah.","start":1440.99,"end":1441.49,"sentiment":"neutral","sentiment_score":0.03767185658216477}],"sentiment":"neutral","sentiment_score":0.03767185658216477,"channel":1,"num_words":1,"start":1440.99,"end":1441.49},{"sentences":[{"text":"have about 10% in defensive, which would be those bottom 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okay?","start":1457.075,"end":1458.375,"sentiment":"neutral","sentiment_score":0.03701609435180823}],"sentiment":"neutral","sentiment_score":0.09629066796465353,"channel":0,"num_words":22,"start":1447.3301,"end":1458.375},{"sentences":[{"text":"Yeah.","start":1459.085,"end":1459.335,"sentiment":"neutral","sentiment_score":0.04036933928728104},{"text":"One second.","start":1459.335,"end":1460.0751,"sentiment":"neutral","sentiment_score":0.027748050168156624}],"sentiment":"neutral","sentiment_score":0.0319551465411981,"channel":1,"num_words":3,"start":1459.085,"end":1460.0751},{"sentences":[{"text":"Yep.","start":1460.595,"end":1461.09,"sentiment":"neutral","sentiment_score":0.07662896811962128},{"text":"It should be the one that has all 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perfect.","start":1486.5801,"end":1487.22,"sentiment":"positive","sentiment_score":0.6516360342502594},{"text":"There you go.","start":1487.22,"end":1488.12,"sentiment":"positive","sentiment_score":0.36090556780497235},{"text":"So this one here breaks down all your investments.","start":1488.42,"end":1490.6,"sentiment":"neutral","sentiment_score":0.23232504228750864},{"text":"So you can see all your individual investments listed here and then how they have performed over the last twelve months.","start":1490.66,"end":1498.245,"sentiment":"neutral","sentiment_score":0.19695316361529486},{"text":"So this one here ranges from the 03/02/2025 to the 03/01/2026 when we put together this document for you, which shows you all your individual investments and how they have performed after fees.","start":1498.565,"end":1513.23,"sentiment":"neutral","sentiment_score":0.15011444755575873}],"sentiment":"neutral","sentiment_score":0.19951040232006242,"channel":0,"num_words":68,"start":1486.5801,"end":1513.23},{"sentences":[{"text":"Now did you also get our email with the record of advice outlining the investment change?","start":1514.27,"end":1521.71,"sentiment":"neutral","sentiment_score":0.07205511326901615},{"text":"Did you have a look at that one at all?","start":1521.71,"end":1523.73,"sentiment":"neutral","sentiment_score":0.03271824056282639}],"sentiment":"neutral","sentiment_score":0.05692554684355855,"channel":0,"num_words":26,"start":1514.27,"end":1523.73},{"sentences":[{"text":"I'm not sure.","start":1525.05,"end":1525.6901,"sentiment":"neutral","sentiment_score":-0.05308999866247177},{"text":"I can't remember.","start":1525.6901,"end":1526.3301,"sentiment":"neutral","sentiment_score":-0.07203777879476547},{"text":"Was that was that recently?","start":1526.3301,"end":1527.79,"sentiment":"neutral","sentiment_score":-0.017031313851475716}],"sentiment":"neutral","sentiment_score":-0.041867263784462753,"channel":1,"num_words":11,"start":1525.05,"end":1527.79},{"sentences":[{"text":"Yes.","start":1528.525,"end":1529.025,"sentiment":"neutral","sentiment_score":0.01931697316467762},{"text":"Let me see.","start":1529.405,"end":1529.885,"sentiment":"neutral","sentiment_score":0.009242594862977663},{"text":"It was on the March 13.","start":1529.885,"end":1531.745,"sentiment":"neutral","sentiment_score":0.013412647880613804}],"sentiment":"neutral","sentiment_score":0.012752064503729343,"channel":0,"num_words":10,"start":1528.525,"end":1531.745},{"sentences":[{"text":"Okay.","start":1532.865,"end":1533.365,"sentiment":"neutral","sentiment_score":0.028896674513816833},{"text":"Okay.","start":1535.025,"end":1535.4249,"sentiment":"neutral","sentiment_score":0.04039698839187622},{"text":"I can have a look at that.","start":1535.4249,"end":1536.885,"sentiment":"neutral","sentiment_score":0.05740486617599215}],"sentiment":"neutral","sentiment_score":0.05234752512640423,"channel":1,"num_words":9,"start":1532.865,"end":1536.885},{"sentences":[{"text":"Yeah.","start":1537.165,"end":1537.485,"sentiment":"neutral","sentiment_score":0.08094263821840286},{"text":"It's just for your reference.","start":1537.485,"end":1538.605,"sentiment":"neutral","sentiment_score":0.09754892736673355},{"text":"You don't need to sign it or anything, but it is just your reference essentially to say that the investment committee have done a lot of research on, obviously, investments and everything like that.","start":1538.605,"end":1549.46,"sentiment":"neutral","sentiment_score":0.07300798156682183},{"text":"There is a lot that has happened and changed in the world and have made a decision to swap out one of your investments, and that is the Benelon Australian Equities, which you can see on the document here.","start":1549.46,"end":1563.4249,"sentiment":"neutral","sentiment_score":0.07391055157551399},{"text":"Now that one here was originally added to your portfolio.","start":1563.885,"end":1567.345,"sentiment":"neutral","sentiment_score":0.11106500700116158}],"sentiment":"neutral","sentiment_score":0.0791474183121424,"channel":0,"num_words":89,"start":1537.165,"end":1567.345},{"sentences":[{"text":"It is an active, managed fund with the purpose of trying to actively buy and sell investments in order to try to outperform the market.","start":1567.405,"end":1576.5,"sentiment":"neutral","sentiment_score":0.14167341321706772},{"text":"So when this one was added to your portfolio, it was doing really well.","start":1577.2799,"end":1581.5199,"sentiment":"positive","sentiment_score":0.3450152895280293},{"text":"It was one of the top performing fund managers at the time as well, and it has done really well up until recently.","start":1581.5199,"end":1588.7649,"sentiment":"positive","sentiment_score":0.43230439916900965},{"text":"More recently, they have underperformed a little bit.","start":1589.225,"end":1592.5249,"sentiment":"neutral","sentiment_score":0.27853514812886715},{"text":"Some of some of the reasons has been that they have made a couple of high convictions on stocks that they think are going to do really well, which hasn't really played out.","start":1592.9049,"end":1603.3401,"sentiment":"neutral","sentiment_score":0.16157566236727167}],"sentiment":"neutral","sentiment_score":0.25121678260055563,"channel":0,"num_words":103,"start":1567.405,"end":1603.3401},{"sentences":[{"text":"And then one of the investments that they also had in their portfolio was the corporate travel group.","start":1603.7201,"end":1609.7201,"sentiment":"neutral","sentiment_score":0.1031582530380951},{"text":"I'm not sure if you've seen or read anything, but they had a bit of issues with reporting, which meant that they had to cease that they were basically suspended from trading for a while because of it, which saw everything drop down and fluctuate.","start":1609.7201,"end":1625.965,"sentiment":"negative","sentiment_score":-0.35971658759646946},{"text":"So","start":1626.64,"end":1627.14,"sentiment":"neutral","sentiment_score":-0.31722375750541687}],"sentiment":"neutral","sentiment_score":-0.22886908819782548,"channel":0,"num_words":64,"start":1603.7201,"end":1627.14},{"sentences":[{"text":"Right.","start":1627.155,"end":1627.655,"sentiment":"negative","sentiment_score":-0.41104644536972046}],"sentiment":"negative","sentiment_score":-0.41104644536972046,"channel":1,"num_words":1,"start":1627.155,"end":1627.655},{"sentences":[{"text":"that one is, like I said, has underperformed.","start":1627.2,"end":1630.66,"sentiment":"negative","sentiment_score":-0.43143534660339355},{"text":"So the investment committee and everything after researching all the investment made the decision that we don't foresee that kind of coming back around and doing well in the future.","start":1631.04,"end":1640.5,"sentiment":"neutral","sentiment_score":-0.3052585298816363},{"text":"So we have","start":1640.8,"end":1641.6,"sentiment":"neutral","sentiment_score":0.023972501357396443}],"sentiment":"neutral","sentiment_score":-0.3057883211025378,"channel":0,"num_words":41,"start":1627.2,"end":1641.6},{"sentences":[{"text":"Right.","start":1641.26,"end":1641.76,"sentiment":"neutral","sentiment_score":0.1286076307296753}],"sentiment":"neutral","sentiment_score":0.1286076307296753,"channel":1,"num_words":1,"start":1641.26,"end":1641.76},{"sentences":[{"text":"swapped swapped it out for an alternative.","start":1641.6,"end":1644.725,"sentiment":"neutral","sentiment_score":0.15609557181596756},{"text":"All this is in that email as well if you do wanna go and obviously read on it because it is a lot to take in.","start":1646.065,"end":1651.845,"sentiment":"neutral","sentiment_score":0.210394941843473}],"sentiment":"neutral","sentiment_score":0.1988768936558203,"channel":0,"num_words":33,"start":1641.6,"end":1651.845},{"sentences":[{"text":"Yes.","start":1652.335,"end":1652.835,"sentiment":"neutral","sentiment_score":0.17300133407115936}],"sentiment":"neutral","sentiment_score":0.17300133407115936,"channel":1,"num_words":1,"start":1652.335,"end":1652.835},{"sentences":[{"text":"But, essentially, we have swapped it for the BetaShares Australia two hundred.","start":1652.705,"end":1657.6849,"sentiment":"neutral","sentiment_score":0.22618170082569122},{"text":"So, obviously, the portfolio we wanna keep a consistent asset class wise.","start":1658.3099,"end":1662.87,"sentiment":"neutral","sentiment_score":0.30366024871667224},{"text":"We don't wanna have you too much in just one industry or sector.","start":1662.87,"end":1665.9299,"sentiment":"neutral","sentiment_score":0.07579873072413298},{"text":"So by swapping out an Australian investment, we wanna include another Australian investment for you, which is that Australian 200.","start":1666.23,"end":1675.815,"sentiment":"neutral","sentiment_score":0.2207331269979477},{"text":"So that one just basically tracks the 200 largest companies listed on the ASX.","start":1675.815,"end":1681.2749,"sentiment":"neutral","sentiment_score":0.2586592137813568}],"sentiment":"neutral","sentiment_score":0.21661096375802874,"channel":0,"num_words":71,"start":1652.705,"end":1681.2749},{"sentences":[{"text":"So it is a little bit cheaper than the Australian Equity and has performed a little bit better.","start":1683.255,"end":1688.315,"sentiment":"neutral","sentiment_score":0.3244744713107745},{"text":"So we have made the decision to swap that one out for you.","start":1688.5901,"end":1692.6101,"sentiment":"positive","sentiment_score":0.38112927744021785}],"sentiment":"positive","sentiment_score":0.34823293839731523,"channel":0,"num_words":31,"start":1683.255,"end":1692.6101},{"sentences":[{"text":"Okay.","start":1693.2899,"end":1693.7899,"sentiment":"neutral","sentiment_score":0.06687551736831665}],"sentiment":"neutral","sentiment_score":0.06687551736831665,"channel":1,"num_words":1,"start":1693.2899,"end":1693.7899},{"sentences":[{"text":"Do","start":1694.1901,"end":1694.43,"sentiment":"neutral","sentiment_score":0.03854454308748245}],"sentiment":"neutral","sentiment_score":0.03854454308748245,"channel":0,"num_words":1,"start":1694.1901,"end":1694.43},{"sentences":[{"text":"Alright.","start":1694.33,"end":1694.8099,"sentiment":"neutral","sentiment_score":0.05451103299856186}],"sentiment":"neutral","sentiment_score":0.05451103299856186,"channel":1,"num_words":1,"start":1694.33,"end":1694.8099},{"sentences":[{"text":"you have any","start":1694.43,"end":1694.9901,"sentiment":"neutral","sentiment_score":0.01815337749818961}],"sentiment":"neutral","sentiment_score":0.01815337749818961,"channel":0,"num_words":3,"start":1694.43,"end":1694.9901},{"sentences":[{"text":"So","start":1694.8099,"end":1695.3099,"sentiment":"neutral","sentiment_score":0.0007803477346897125}],"sentiment":"neutral","sentiment_score":0.0007803477346897125,"channel":1,"num_words":1,"start":1694.8099,"end":1695.3099},{"sentences":[{"text":"questions with that?","start":1694.9901,"end":1696.37,"sentiment":"neutral","sentiment_score":-0.00014036490271488825}],"sentiment":"neutral","sentiment_score":-0.00014036490271488825,"channel":0,"num_words":3,"start":1694.9901,"end":1696.37},{"sentences":[{"text":"so no.","start":1697.445,"end":1698.885,"sentiment":"neutral","sentiment_score":-0.04760761559009552},{"text":"Okay.","start":1698.885,"end":1699.125,"sentiment":"neutral","sentiment_score":-0.020789211615920067},{"text":"So, essentially, it had gone down.","start":1699.125,"end":1700.965,"sentiment":"neutral","sentiment_score":-0.11574142177899678},{"text":"So we sold at a at a at while it was down, and then we bought something else.","start":1700.965,"end":1707.125,"sentiment":"neutral","sentiment_score":-0.05707800905737612},{"text":"But to we've sold because we're thinking it would continue to go","start":1707.125,"end":1710.645,"sentiment":"neutral","sentiment_score":-0.014059110855062803}],"sentiment":"neutral","sentiment_score":-0.051450422224708095,"channel":1,"num_words":39,"start":1697.445,"end":1710.645},{"sentences":[{"text":"Yes.","start":1710.5249,"end":1711.0249,"sentiment":"neutral","sentiment_score":0.01750248111784458}],"sentiment":"neutral","sentiment_score":0.01750248111784458,"channel":0,"num_words":1,"start":1710.5249,"end":1711.0249},{"sentences":[{"text":"down.","start":1710.645,"end":1711.145,"sentiment":"neutral","sentiment_score":-0.004196584224700928}],"sentiment":"neutral","sentiment_score":-0.004196584224700928,"channel":1,"num_words":1,"start":1710.645,"end":1711.145},{"sentences":[{"text":"Correct.","start":1711.565,"end":1712.065,"sentiment":"neutral","sentiment_score":0.05464304983615875},{"text":"Yes.","start":1712.125,"end":1712.625,"sentiment":"neutral","sentiment_score":0.08159923553466797}],"sentiment":"neutral","sentiment_score":0.06812114268541336,"channel":0,"num_words":2,"start":1711.565,"end":1712.625},{"sentences":[{"text":"Yeah.","start":1712.46,"end":1712.86,"sentiment":"neutral","sentiment_score":0.0979134365916252},{"text":"Okay.","start":1712.86,"end":1713.36,"sentiment":"neutral","sentiment_score":0.14218220114707947}],"sentiment":"neutral","sentiment_score":0.12004781886935234,"channel":1,"num_words":2,"start":1712.46,"end":1713.36},{"sentences":[{"text":"And by obviously, when you do sell the different investments as well, that can be capital gains tax, which, obviously, because the Benelon was down, we can then kind of offset that so you didn't have to pay, you know, tax on earnings and stuff like that.","start":1713.9299,"end":1727.115,"sentiment":"neutral","sentiment_score":0.17706246404571735},{"text":"So it worked out pretty well, but, essentially, what you said was exactly right.","start":1727.115,"end":1731.195,"sentiment":"positive","sentiment_score":0.46472773807389395},{"text":"So","start":1731.195,"end":1731.355,"sentiment":"neutral","sentiment_score":0.25046053528785706}],"sentiment":"neutral","sentiment_score":0.24320297868501756,"channel":0,"num_words":62,"start":1713.9299,"end":1731.355},{"sentences":[{"text":"Okay.","start":1731.2949,"end":1731.7949,"sentiment":"neutral","sentiment_score":0.30871137976646423}],"sentiment":"neutral","sentiment_score":0.30871137976646423,"channel":1,"num_words":1,"start":1731.2949,"end":1731.7949},{"sentences":[{"text":"that's why we made","start":1731.355,"end":1732.235,"sentiment":"neutral","sentiment_score":0.32934409379959106}],"sentiment":"neutral","sentiment_score":0.32934409379959106,"channel":0,"num_words":4,"start":1731.355,"end":1732.235},{"sentences":[{"text":"Yes.","start":1731.9349,"end":1732.4349,"sentiment":"positive","sentiment_score":0.3859668970108032}],"sentiment":"positive","sentiment_score":0.3859668970108032,"channel":1,"num_words":1,"start":1731.9349,"end":1732.4349},{"sentences":[{"text":"that change.","start":1732.235,"end":1732.975,"sentiment":"positive","sentiment_score":0.43663886189460754},{"text":"And we do foresee that moving forward, it's going to be a little bit better.","start":1733.035,"end":1737.4349,"sentiment":"positive","sentiment_score":0.38725371460119884},{"text":"Now, obviously, you don't know what's going to happen in the world and markets and a lot of lot of changes the last twelve months, but that was as you have a look at your portfolio, that was the biggest kind of contributor to the portfolio kind of underperforming a little bit over the last twelve months, which you can see here if you look at that return per portfolio column, the second to the right.","start":1737.4349,"end":1759.565,"sentiment":"neutral","sentiment_score":-0.2285992491892294},{"text":"Can you see that one?","start":1759.565,"end":1760.785,"sentiment":"neutral","sentiment_score":-0.03205033466219902}],"sentiment":"neutral","sentiment_score":-0.11073174662127787,"channel":0,"num_words":98,"start":1732.235,"end":1760.785},{"sentences":[{"text":"Yeah.","start":1760.625,"end":1761.125,"sentiment":"neutral","sentiment_score":0.004084531217813492},{"text":"So so for the last for over the last twelve months, I'm sitting","start":1761.1849,"end":1764.7849,"sentiment":"neutral","sentiment_score":0.0158030901534053}],"sentiment":"neutral","sentiment_score":0.014966050229434456,"channel":1,"num_words":14,"start":1760.625,"end":1764.7849},{"sentences":[{"text":"Yes.","start":1764.6849,"end":1765.1849,"sentiment":"neutral","sentiment_score":0.03381463140249252}],"sentiment":"neutral","sentiment_score":0.03381463140249252,"channel":0,"num_words":1,"start":1764.6849,"end":1765.1849},{"sentences":[{"text":"at minus 1.7.","start":1764.7849,"end":1766.645,"sentiment":"neutral","sentiment_score":0.023300771911938984}],"sentiment":"neutral","sentiment_score":0.023300771911938984,"channel":1,"num_words":3,"start":1764.7849,"end":1766.645},{"sentences":[{"text":"After fees.","start":1767.165,"end":1767.885,"sentiment":"neutral","sentiment_score":0.005923864431679249},{"text":"Yes.","start":1767.885,"end":1768.205,"sentiment":"neutral","sentiment_score":0.05448893457651138},{"text":"Correct.","start":1768.205,"end":1768.705,"sentiment":"neutral","sentiment_score":0.0915006548166275}],"sentiment":"neutral","sentiment_score":0.039459329564124346,"channel":0,"num_words":4,"start":1767.165,"end":1768.705},{"sentences":[{"text":"Oh, okay.","start":1769.5499,"end":1770.37,"sentiment":"neutral","sentiment_score":0.06774013489484787},{"text":"I think that's the first time that's happened.","start":1770.99,"end":1773.01,"sentiment":"neutral","sentiment_score":0.03870502347126603}],"sentiment":"neutral","sentiment_score":0.0445120457559824,"channel":1,"num_words":10,"start":1769.5499,"end":1773.01},{"sentences":[{"text":"Yes.","start":1773.6699,"end":1774.1699,"sentiment":"neutral","sentiment_score":0.066901795566082},{"text":"And in a high growth portfolio as well, because, obviously, going back to that Vanguard graft, there are years where things are going to do really well, and then there's some years where it's going to be a bit negative as well.","start":1774.3099,"end":1789.5851,"sentiment":"neutral","sentiment_score":-0.16800397191019284},{"text":"So in a high growth, typically speaking, we see the likelihood of a negative return is about one in every five years.","start":1789.5851,"end":1798.5651,"sentiment":"negative","sentiment_score":-0.3566193411296064},{"text":"Again,","start":1799.88,"end":1800.3601,"sentiment":"neutral","sentiment_score":-0.0933300033211708}],"sentiment":"neutral","sentiment_score":-0.22618515958840196,"channel":0,"num_words":66,"start":1773.6699,"end":1800.3601},{"sentences":[{"text":"Yeah.","start":1799.95,"end":1800.27,"sentiment":"neutral","sentiment_score":-0.07297919690608978},{"text":"Right.","start":1800.27,"end":1800.77,"sentiment":"neutral","sentiment_score":-0.05817945674061775}],"sentiment":"neutral","sentiment_score":-0.06557932682335377,"channel":1,"num_words":2,"start":1799.95,"end":1800.77},{"sentences":[{"text":"it depends kind of what is going on in the market and everything like that.","start":1800.3601,"end":1804.4401,"sentiment":"neutral","sentiment_score":-0.008828489730755487},{"text":"So from, obviously, when you came on board and what's happened, it's not unexpected because we are investing in your high growth investments in trying to maximize that growth.","start":1804.4401,"end":1815.495,"sentiment":"neutral","sentiment_score":0.14679792163700894},{"text":"And part of the long term is that sometimes there will be at times when it's not so good, and then other years, it will be a lot better.","start":1815.495,"end":1824.5549,"sentiment":"neutral","sentiment_score":-0.10930641406568987},{"text":"So likelihood of that negative return is about one in every five years in a high growth portfolio, which does kind of, you know, align with what's happened to your portfolio as well.","start":1824.855,"end":1835.11,"sentiment":"neutral","sentiment_score":-0.2768037621722077},{"text":"Yeah.","start":1836.85,"end":1837.35,"sentiment":"neutral","sentiment_score":-0.001118037849664688}],"sentiment":"neutral","sentiment_score":-0.0764562225787439,"channel":0,"num_words":107,"start":1800.3601,"end":1837.35},{"sentences":[{"text":"Now as you do also look at the other investments, you can see","start":1839.9851,"end":1843.6051,"sentiment":"neutral","sentiment_score":0.08486128655763772}],"sentiment":"neutral","sentiment_score":0.08486128655763772,"channel":0,"num_words":13,"start":1839.9851,"end":1843.6051},{"sentences":[{"text":"Okay.","start":1843.325,"end":1843.825,"sentiment":"neutral","sentiment_score":0.12704670429229736}],"sentiment":"neutral","sentiment_score":0.12704670429229736,"channel":1,"num_words":1,"start":1843.325,"end":1843.825},{"sentences":[{"text":"kind of how all of them have performed.","start":1843.745,"end":1845.685,"sentiment":"neutral","sentiment_score":0.1448890957981348},{"text":"Like we said, Ben, along, we did swap out for you.","start":1846.545,"end":1849.665,"sentiment":"neutral","sentiment_score":0.16998172822323712},{"text":"You can see that the other one that was down is your BetaShares Global Cybersecurity.","start":1849.665,"end":1855.18,"sentiment":"neutral","sentiment_score":0.11979263350367546},{"text":"That one is more of a cyclical investment.","start":1856.04,"end":1858.7001,"sentiment":"neutral","sentiment_score":0.12059941049665213},{"text":"There's obviously a lot that's changing in the AI cybersecurity world, but we still think it's going to be a good investment long term.","start":1858.84,"end":1867.66,"sentiment":"neutral","sentiment_score":0.3034938007282714}],"sentiment":"neutral","sentiment_score":0.1980976936492053,"channel":0,"num_words":66,"start":1843.745,"end":1867.66},{"sentences":[{"text":"So we're not too concerned of wanting to swap that one out yet because it has also in the last couple of years done really well.","start":1867.7749,"end":1874.495,"sentiment":"neutral","sentiment_score":0.3095382208434435},{"text":"So Fenelon","start":1874.495,"end":1875.475,"sentiment":"neutral","sentiment_score":0.15263736993074417}],"sentiment":"neutral","sentiment_score":0.29833101720682215,"channel":0,"num_words":28,"start":1867.7749,"end":1875.475},{"sentences":[{"text":"Yeah.","start":1875.075,"end":1875.475,"sentiment":"neutral","sentiment_score":0.1063818484544754},{"text":"Okay.","start":1875.475,"end":1875.975,"sentiment":"neutral","sentiment_score":0.08657948672771454}],"sentiment":"neutral","sentiment_score":0.09648066759109497,"channel":1,"num_words":2,"start":1875.075,"end":1875.975},{"sentences":[{"text":"didn't have the same conviction.","start":1875.7749,"end":1877.315,"sentiment":"neutral","sentiment_score":-0.008189450576901436},{"text":"But you can then also see that kind of the other investments, despite there being a bit of fluctuations, you can even see that the Europe investment was up by 14.95%.","start":1878.0149,"end":1889.49,"sentiment":"neutral","sentiment_score":0.2406759692295905},{"text":"The Meskewold, 17.","start":1889.87,"end":1891.73,"sentiment":"neutral","sentiment_score":0.036094170063734055},{"text":"You have Japan, Let me see here.","start":1892.51,"end":1895.085,"sentiment":"neutral","sentiment_score":0.011155259063733476},{"text":"At about 23.","start":1895.085,"end":1896.785,"sentiment":"neutral","sentiment_score":-0.0014541946972409885}],"sentiment":"neutral","sentiment_score":0.15514315373017168,"channel":0,"num_words":49,"start":1875.7749,"end":1896.785},{"sentences":[{"text":"So overall, the reason why, obviously, the portfolio was predominantly not so good was that you did have quite a bit in your Bennelong investment, which is the one that we've swapped out for you now.","start":1897.005,"end":1908.625,"sentiment":"neutral","sentiment_score":-0.11291901296418574}],"sentiment":"neutral","sentiment_score":-0.11291901296418574,"channel":0,"num_words":36,"start":1897.005,"end":1908.625},{"sentences":[{"text":"Right.","start":1909.1799,"end":1909.5,"sentiment":"neutral","sentiment_score":0.027310648933053017},{"text":"Okay.","start":1909.5,"end":1910.0,"sentiment":"neutral","sentiment_score":0.04767560213804245}],"sentiment":"neutral","sentiment_score":0.03749312553554773,"channel":1,"num_words":2,"start":1909.1799,"end":1910.0},{"sentences":[{"text":"Yep.","start":1910.02,"end":1910.52,"sentiment":"neutral","sentiment_score":0.05778273940086365},{"text":"Does that make sense?","start":1910.5801,"end":1911.4601,"sentiment":"neutral","sentiment_score":0.05738646723330021},{"text":"I know it's probably a lot 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that?","start":2431.2551,"end":2432.075,"sentiment":"neutral","sentiment_score":0.009726346004754305}],"sentiment":"neutral","sentiment_score":0.009726346004754305,"channel":0,"num_words":2,"start":2431.2551,"end":2432.075},{"sentences":[{"text":"maybe a little bit earlier than 02:30.","start":2433.975,"end":2436.075,"sentiment":"neutral","sentiment_score":0.0058195677452853745}],"sentiment":"neutral","sentiment_score":0.0058195677452853745,"channel":1,"num_words":7,"start":2433.975,"end":2436.075},{"sentences":[{"text":"Yep.","start":2436.6301,"end":2437.11,"sentiment":"neutral","sentiment_score":0.0599697083234787},{"text":"Okay.","start":2437.11,"end":2437.61,"sentiment":"neutral","sentiment_score":0.05978942662477493},{"text":"I could do 10:00.","start":2438.31,"end":2441.77,"sentiment":"neutral","sentiment_score":0.0637162672355771}],"sentiment":"neutral","sentiment_score":0.062437367315093674,"channel":0,"num_words":6,"start":2436.6301,"end":2441.77},{"sentences":[{"text":"Yeah.","start":2443.7102,"end":2443.9502,"sentiment":"neutral","sentiment_score":0.20919761061668396},{"text":"That's great.","start":2443.9502,"end":2444.77,"sentiment":"positive","sentiment_score":0.4661324620246887}],"sentiment":"positive","sentiment_score":0.3804875115553538,"channel":1,"num_words":3,"start":2443.7102,"end":2444.77},{"sentences":[{"text":"Yeah.","start":2444.645,"end":2445.145,"sentiment":"neutral","sentiment_score":0.25233185291290283},{"text":"Okay.","start":2445.285,"end":2445.685,"sentiment":"neutral","sentiment_score":0.3115912675857544},{"text":"Perfect.","start":2445.685,"end":2446.185,"sentiment":"positive","sentiment_score":0.40591245889663696},{"text":"So I'll book that in on Thursday, the March 26 at 10AM.","start":2446.4849,"end":2451.865,"sentiment":"neutral","sentiment_score":0.26493819306294125},{"text":"If you have any questions or concerns before then, by all means, you can always give me a call and send me an email.","start":2452.2449,"end":2458.185,"sentiment":"neutral","sentiment_score":0.2358116265386343}],"sentiment":"neutral","sentiment_score":0.2515018700789183,"channel":0,"num_words":39,"start":2444.645,"end":2458.185},{"sentences":[{"text":"Otherwise, I will tryna get that reports and everything through you by end of business day tomorrow to give you some time to obviously have a read through everything, have a think about it, and then you can obviously let me know if you have any other concerns and what your thoughts are on Thursday next week.","start":2458.72,"end":2475.4548,"sentiment":"neutral","sentiment_score":0.2877706893180546}],"sentiment":"neutral","sentiment_score":0.2877706893180546,"channel":0,"num_words":57,"start":2458.72,"end":2475.4548},{"sentences":[{"text":"Yep.","start":2476.02,"end":2476.34,"sentiment":"neutral","sentiment_score":0.12903960049152374},{"text":"Okay.","start":2476.34,"end":2476.74,"sentiment":"neutral","sentiment_score":0.1652410924434662}],"sentiment":"neutral","sentiment_score":0.14714034646749496,"channel":1,"num_words":2,"start":2476.02,"end":2476.74},{"sentences":[{"text":"Yep.","start":2476.4749,"end":2476.9749,"sentiment":"neutral","sentiment_score":0.2353682965040207}],"sentiment":"neutral","sentiment_score":0.2353682965040207,"channel":0,"num_words":1,"start":2476.4749,"end":2476.9749},{"sentences":[{"text":"Great.","start":2476.74,"end":2477.24,"sentiment":"positive","sentiment_score":0.49368780851364136},{"text":"And","start":2477.3,"end":2477.54,"sentiment":"positive","sentiment_score":0.3386330306529999}],"sentiment":"positive","sentiment_score":0.4161604195833206,"channel":1,"num_words":2,"start":2476.74,"end":2477.54},{"sentences":[{"text":"Yeah.","start":2477.515,"end":2477.835,"sentiment":"neutral","sentiment_score":0.3020743131637573}],"sentiment":"neutral","sentiment_score":0.3020743131637573,"channel":0,"num_words":1,"start":2477.515,"end":2477.835},{"sentences":[{"text":"then","start":2477.54,"end":2477.94,"sentiment":"positive","sentiment_score":0.3569125533103943}],"sentiment":"positive","sentiment_score":0.3569125533103943,"channel":1,"num_words":1,"start":2477.54,"end":2477.94},{"sentences":[{"text":"Perfect.","start":2477.835,"end":2478.335,"sentiment":"positive","sentiment_score":0.3859935998916626}],"sentiment":"positive","sentiment_score":0.3859935998916626,"channel":0,"num_words":1,"start":2477.835,"end":2478.335},{"sentences":[{"text":"how would I go about getting someone contacting me so I can get access into my account help me get access to my account again?","start":2477.94,"end":2484.28,"sentiment":"neutral","sentiment_score":0.15221180856227876}],"sentiment":"neutral","sentiment_score":0.15221180856227876,"channel":1,"num_words":25,"start":2477.94,"end":2484.28},{"sentences":[{"text":"So I can either get someone to contact Netwealth on your behalf and get Netwealth to call you.","start":2485.595,"end":2490.94,"sentiment":"neutral","sentiment_score":0.04850942569060458},{"text":"Because of","start":2491.0,"end":2491.74,"sentiment":"neutral","sentiment_score":0.00905297975987196}],"sentiment":"neutral","sentiment_score":0.04456378109753132,"channel":0,"num_words":20,"start":2485.595,"end":2491.74},{"sentences":[{"text":"Yeah.","start":2491.525,"end":2492.025,"sentiment":"neutral","sentiment_score":0.00988779217004776}],"sentiment":"neutral","sentiment_score":0.00988779217004776,"channel":1,"num_words":1,"start":2491.525,"end":2492.025},{"sentences":[{"text":"because of privacy, we can't do it.","start":2492.2,"end":2495.08,"sentiment":"neutral","sentiment_score":-0.0319321413657495},{"text":"I can get Netwealth to call you, or if you want to call Netwealth yourself and request access.","start":2495.08,"end":2503.025,"sentiment":"neutral","sentiment_score":0.05465756273931927},{"text":"It's whatever is easiest for you.","start":2503.325,"end":2505.105,"sentiment":"neutral","sentiment_score":0.17255664616823196}],"sentiment":"neutral","sentiment_score":0.057924226346996524,"channel":0,"num_words":31,"start":2492.2,"end":2505.105},{"sentences":[{"text":"If you could get someone to call me, that","start":2505.28,"end":2506.96,"sentiment":"neutral","sentiment_score":0.12732507702377108}],"sentiment":"neutral","sentiment_score":0.12732507702377108,"channel":1,"num_words":9,"start":2505.28,"end":2506.96},{"sentences":[{"text":"Yeah.","start":2506.845,"end":2507.345,"sentiment":"neutral","sentiment_score":0.2132257968187332}],"sentiment":"neutral","sentiment_score":0.2132257968187332,"channel":0,"num_words":1,"start":2506.845,"end":2507.345},{"sentences":[{"text":"would be awesome.","start":2506.96,"end":2507.78,"sentiment":"positive","sentiment_score":0.5070362985134125}],"sentiment":"positive","sentiment_score":0.5070362985134125,"channel":1,"num_words":3,"start":2506.96,"end":2507.78},{"sentences":[{"text":"Yeah.","start":2507.965,"end":2508.285,"sentiment":"positive","sentiment_score":0.41164958477020264},{"text":"Perfect.","start":2508.285,"end":2508.765,"sentiment":"positive","sentiment_score":0.6981850862503052},{"text":"I will get the team to call Netwealth and get Netwealth to give you a call.","start":2508.765,"end":2512.865,"sentiment":"positive","sentiment_score":0.39647363126277924},{"text":"If they haven't given you a call in a day or two, even just let me know, and I'll see if I can follow-up with them.","start":2513.3699,"end":2520.3499,"sentiment":"neutral","sentiment_score":0.1609007601554577},{"text":"But","start":2520.8098,"end":2520.97,"sentiment":"neutral","sentiment_score":0.047294486314058304}],"sentiment":"neutral","sentiment_score":0.259647267146243,"channel":0,"num_words":45,"start":2507.965,"end":2520.97},{"sentences":[{"text":"Okay.","start":2520.8152,"end":2521.215,"sentiment":"neutral","sentiment_score":0.03576191887259483}],"sentiment":"neutral","sentiment_score":0.03576191887259483,"channel":1,"num_words":1,"start":2520.8152,"end":2521.215},{"sentences":[{"text":"it depends","start":2520.97,"end":2521.3699,"sentiment":"neutral","sentiment_score":0.02982652187347412}],"sentiment":"neutral","sentiment_score":0.02982652187347412,"channel":0,"num_words":2,"start":2520.97,"end":2521.3699},{"sentences":[{"text":"Great.","start":2521.215,"end":2521.715,"sentiment":"neutral","sentiment_score":0.21777769923210144}],"sentiment":"neutral","sentiment_score":0.21777769923210144,"channel":1,"num_words":1,"start":2521.215,"end":2521.715},{"sentences":[{"text":"also, you know, their backlog and stuff.","start":2521.3699,"end":2523.0498,"sentiment":"neutral","sentiment_score":0.007465322102819171},{"text":"But I'll make a little note here as well to touch base at least next Thursday to see if someone from Netwealth actually called you and if you were able to get into your account as well.","start":2523.0498,"end":2532.445,"sentiment":"neutral","sentiment_score":0.12534950834673805}],"sentiment":"neutral","sentiment_score":0.10659520598975095,"channel":0,"num_words":44,"start":2521.3699,"end":2532.445},{"sentences":[{"text":"Okay.","start":2532.9302,"end":2533.33,"sentiment":"neutral","sentiment_score":0.30649036169052124},{"text":"Great.","start":2533.33,"end":2533.57,"sentiment":"positive","sentiment_score":0.5944740772247314},{"text":"Thank","start":2533.57,"end":2533.8901,"sentiment":"positive","sentiment_score":0.5174472332000732}],"sentiment":"positive","sentiment_score":0.47280389070510864,"channel":1,"num_words":3,"start":2532.9302,"end":2533.8901},{"sentences":[{"text":"Yeah.","start":2533.785,"end":2534.285,"sentiment":"positive","sentiment_score":0.4660693407058716}],"sentiment":"positive","sentiment_score":0.4660693407058716,"channel":0,"num_words":1,"start":2533.785,"end":2534.285},{"sentences":[{"text":"you.","start":2533.8901,"end":2534.3901,"sentiment":"positive","sentiment_score":0.4630525410175323}],"sentiment":"positive","sentiment_score":0.4630525410175323,"channel":1,"num_words":1,"start":2533.8901,"end":2534.3901},{"sentences":[{"text":"No.","start":2534.425,"end":2534.665,"sentiment":"neutral","sentiment_score":0.004801444709300995},{"text":"That's okay.","start":2534.665,"end":2535.565,"sentiment":"neutral","sentiment_score":0.04549899511039257},{"text":"Do you have any other questions for me at this point otherwise before I let you go?","start":2535.705,"end":2540.525,"sentiment":"neutral","sentiment_score":-0.0010486131205278285}],"sentiment":"neutral","sentiment_score":0.003898650594055653,"channel":0,"num_words":20,"start":2534.425,"end":2540.525},{"sentences":[{"text":"No.","start":2541.535,"end":2541.855,"sentiment":"neutral","sentiment_score":-0.1895368993282318},{"text":"That's no.","start":2541.855,"end":2542.735,"sentiment":"neutral","sentiment_score":-0.2566518262028694},{"text":"That's","start":2542.735,"end":2543.235,"sentiment":"neutral","sentiment_score":-0.1847665309906006}],"sentiment":"neutral","sentiment_score":-0.2219017706811428,"channel":1,"num_words":4,"start":2541.535,"end":2543.235},{"sentences":[{"text":"No?","start":2542.77,"end":2543.27,"sentiment":"neutral","sentiment_score":-0.15438587963581085}],"sentiment":"neutral","sentiment_score":-0.15438587963581085,"channel":0,"num_words":1,"start":2542.77,"end":2543.27},{"sentences":[{"text":"that's all good.","start":2543.615,"end":2544.675,"sentiment":"neutral","sentiment_score":0.05480061719814936}],"sentiment":"neutral","sentiment_score":0.05480061719814936,"channel":1,"num_words":3,"start":2543.615,"end":2544.675},{"sentences":[{"text":"No.","start":2544.61,"end":2545.11,"sentiment":"neutral","sentiment_score":-0.013632960617542269},{"text":"Alright.","start":2545.1702,"end":2545.57,"sentiment":"neutral","sentiment_score":0.243065282702446},{"text":"Perfect.","start":2545.57,"end":2546.07,"sentiment":"positive","sentiment_score":0.5682021379470825},{"text":"Well, thank you so much for your time today, and I hope you enjoy the rest of your afternoon.","start":2546.2102,"end":2550.6902,"sentiment":"positive","sentiment_score":0.7620905700482821},{"text":"And I look forward to speaking with you next Thursday.","start":2550.6902,"end":2553.03,"sentiment":"positive","sentiment_score":0.7014746606349945}],"sentiment":"positive","sentiment_score":0.6966281842906028,"channel":0,"num_words":32,"start":2544.61,"end":2553.03},{"sentences":[{"text":"Awesome.","start":2553.7449,"end":2554.1448,"sentiment":"positive","sentiment_score":0.7985826730728149},{"text":"Thanks so much.","start":2554.1448,"end":2555.1248,"sentiment":"positive","sentiment_score":0.7983002066612244}],"sentiment":"positive","sentiment_score":0.798370823264122,"channel":1,"num_words":4,"start":2553.7449,"end":2555.1248},{"sentences":[{"text":"Mhmm.","start":2555.2349,"end":2555.315,"sentiment":"neutral","sentiment_score":0.1693127453327179},{"text":"No problem.","start":2555.315,"end":2555.9548,"sentiment":"neutral","sentiment_score":0.20505307614803314},{"text":"We'll speak soon.","start":2555.9548,"end":2556.935,"sentiment":"neutral","sentiment_score":0.24733241895834604}],"sentiment":"neutral","sentiment_score":0.22023602575063705,"channel":0,"num_words":6,"start":2555.2349,"end":2556.935},{"sentences":[{"text":"Okay.","start":2557.3447,"end":2557.825,"sentiment":"neutral","sentiment_score":0.12869523465633392},{"text":"Bye.","start":2557.825,"end":2558.325,"sentiment":"neutral","sentiment_score":0.13559889793395996}],"sentiment":"neutral","sentiment_score":0.13214706629514694,"channel":1,"num_words":2,"start":2557.3447,"end":2558.325},{"sentences":[{"text":"Bye.","start":2558.595,"end":2559.095,"sentiment":"neutral","sentiment_score":-0.06568772345781326}],"sentiment":"neutral","sentiment_score":-0.06568772345781326,"channel":0,"num_words":1,"start":2558.595,"end":2559.095}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Candice about her insurance history and personal and financial goals for the next twelve months. They discuss the impact of premiums on income and employee contributions, personal and financial goals for the next twelve months, and risk profile. The speaker emphasizes the importance of protecting tax files and offers guidance on completing a security questionnaire and accessing emails. They also explain the process for transferring a portfolio and offer to send a yearly report and call the customer for further discussion."},"intents":{"segments":[{"text":"I missed where you're calling from. Oakview Financial?","start_word":20,"end_word":27,"intents":[{"intent":"Confirm location","confidence_score":0.046781193}]},{"text":"I'll try to be a bit quick if you are a little bit short for time. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah.","start_word":70,"end_word":114,"intents":[{"intent":"Confirm call recording","confidence_score":0.04408809}]},{"text":"My address? Address and date of birth, please. Yep.","start_word":157,"end_word":165,"intents":[{"intent":"Confirm address","confidence_score":0.27645692}]},{"text":"That's exactly what I have here. Now but before I do kind of jump into the annual review, I'd like to always start by asking, if there is anything specific you are wanting me to address today or for that you're hoping to get out of the review or whether it's just just the yellow catch up? Yeah.","start_word":180,"end_word":237,"intents":[{"intent":"Address specific issues","confidence_score":0.02861025}]},{"text":"I can definitely because, obviously, it takes it takes a little bit to, obviously, do all the math and calculation to see that, obviously, Yes. like, exactly where you would be. But if you if you want me to, I'm happy to get the team to pull all the figures together and email it to you to Yeah.","start_word":361,"end_word":418,"intents":[{"intent":"Gather information","confidence_score":0.016393915}]},{"text":"where things would have been if you didn't come on board, or is it a matter of what was the last, you know, twelve months with Australia through for a bit of both? No. I yeah.","start_word":421,"end_word":456,"intents":[{"intent":"Assess plans","confidence_score":0.0003738705}]},{"text":"It would be good to see overall because obviously Yep. yeah. Yeah.","start_word":457,"end_word":468,"intents":[{"intent":"Confirm understanding","confidence_score":0.059869103}]},{"text":"So in your Australian super, you had insurances at the time. So would you like me to assume that you had those insurances and those premiums stayed the same for the whole time? Now they obviously will change, but it's a bit tricky to forecast five Yeah. years worth I of get insurance what you premium premium. yeah.","start_word":640,"end_word":697,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.038937945}]},{"text":"At the time, your income probably was a little bit different. So your income at the time was 40,000. What is it today?","start_word":964,"end_word":986,"intents":[{"intent":"Estimate earning income","confidence_score":0.0000014914484}]},{"text":"Because that's what it was at the time, staying consistent until today, showing that both with your current Subaru and have 24, or would you like me to assume a 104, or what would you prefer?","start_word":1045,"end_word":1080,"intents":[{"intent":"Evaluate vehicle options","confidence_score":0.036409687}]},{"text":"I need to set up my auth and, Yes.","start_word":1407,"end_word":1415,"intents":[{"intent":"Set up auth","confidence_score":0.8898068}]},{"text":"I have actually sent you an email with some information to run through, which shows Okay. you Great. where everything is at at the moment as well. But before I kind of jump into that, I do wanna just quickly run through a bit of an updated fact find review just to see if there's been any major changes that would need us to make any changes to your advice. So I will Okay.","start_word":1461,"end_word":1534,"intents":[{"intent":"Run fact review","confidence_score":0.039118923}]},{"text":"And I've updated your income already. Any changes to your occupation otherwise or just a bit of a buffer in No.","start_word":1609,"end_word":1629,"intents":[{"intent":"Update income","confidence_score":0.563133}]},{"text":"And your employer, they're still paid 12% employee contributions Yeah. into Just the super?","start_word":1675,"end_word":1688,"intents":[{"intent":"Confirm employee contributions","confidence_score":0.049244415}]},{"text":"But I have here that your main property was last valued at about 2.5 mill. Yeah.","start_word":1740,"end_word":1755,"intents":[{"intent":"Confirm property value","confidence_score":0.028050179},{"intent":"Confirm property status","confidence_score":0.015280084}]},{"text":"Now I do have here as well two investment properties at one in Narrabeen. Yep.","start_word":1777,"end_word":1791,"intents":[{"intent":"Provide address for rental properties","confidence_score":5.2830056e-9}]},{"text":"And then you also have another property in Sydney of about 1.5? So that has now been sold. That's the Pingabe one. Is that correct? Yeah. That would be. Yes. Okay. So you've sold that property. And are you thinking of buying another one or not Not really?","start_word":1825,"end_word":1872,"intents":[{"intent":"Inquire about additional investments","confidence_score":0.00016048615}]},{"text":"So that has now been sold. That's the Pingabe one. Is that correct? Yeah.","start_word":1837,"end_word":1850,"intents":[{"intent":"Clarify properties sold","confidence_score":0.00016616438}]},{"text":"No other liabilities like personal loans, credit cards, ZipPay? No. No.","start_word":1999,"end_word":2009,"intents":[{"intent":"Inquire about personal loans","confidence_score":0.058180943}]},{"text":"Do you have private health insurance? Yes. Yep. Perfect.","start_word":2036,"end_word":2044,"intents":[{"intent":"Confirm health insurance","confidence_score":0.011022304}]},{"text":"Are you still comfortable with a high growth portfolio, or has your risk tolerance or anything changed?","start_word":3143,"end_word":3159,"intents":[{"intent":"Determine portfolio size and risk tolerance","confidence_score":9.307965e-7}]},{"text":"Now do you have access to your emails at the moment?","start_word":3169,"end_word":3179,"intents":[{"intent":"Access emails","confidence_score":0.90212},{"intent":"Access documents","confidence_score":0.6602665},{"intent":"Access documents","confidence_score":0.19764964}]},{"text":"So before you click on the link, because that will ask you to sign the documents that needs signing. But before you click on it, if you scroll down, you will see a couple of attachments. Can you see those? Yes.","start_word":3249,"end_word":3289,"intents":[{"intent":"Check documents","confidence_score":0.03719902}]},{"text":"documents you would have seen before. It is just an updated financial services guide. So, basically, everything that you need to know about us is all in them. We've had some changes to our marketing, which is great, and a bit of extension to the team. So, basically, everything about the team, all our advisers, and everything is in there for you if you do wanna have a read over them. Okay. Yep.","start_word":3329,"end_word":3401,"intents":[{"intent":"Read documents","confidence_score":0.6921017}]},{"text":"So if you open that one for me, you can see your Netwealth Super, and it shows you as well the balance of 193,105. Okay.","start_word":3418,"end_word":3442,"intents":[{"intent":"Verify details","confidence_score":0.000060821338}]},{"text":"My documents just went out for me. It will pay 1,025 a month with a thirty day waiting period and a five year benefit period. All those threes are paid from within superannuation. You get a 15% tax rebate. So after that, the total premium is 1,425. Okay.","start_word":3483,"end_word":3530,"intents":[{"intent":"Confirm plan","confidence_score":0.00087026047}]},{"text":"Now now with your insurances, because your income has gone up quite a bit from when, obviously, we took out your policy, your income protection, you are you could be covered for more if you wanted to. Yep.","start_word":3532,"end_word":3569,"intents":[{"intent":"Update insurance coverage","confidence_score":0.007154166}]},{"text":"So this one here breaks down all your investments. So you can see all your individual investments listed here and then how they have performed over the last twelve months.","start_word":3978,"end_word":4007,"intents":[{"intent":"Analyze investments","confidence_score":0.06572347}]},{"text":"I'm not sure if you've seen or read anything, but they had a bit of issues with reporting, which meant that they had to cease that they were basically suspended from trading for a while because of it, which saw everything drop down and fluctuate. So Right.","start_word":4308,"end_word":4354,"intents":[{"intent":"Explain market issues","confidence_score":0.0014022859}]},{"text":"swapped swapped it out for an alternative.","start_word":4396,"end_word":4402,"intents":[{"intent":"Swap investment","confidence_score":0.38478965}]},{"text":"Now, obviously, you don't know what's going to happen in the world and markets and a lot of lot of changes the last twelve months, but that was as you have a look at your portfolio, that was the biggest kind of contributor to the portfolio kind of underperforming a little bit over the last twelve months, which you can see here if you look at that return per portfolio column, the second to the right. Can you see that one? Yeah.","start_word":4673,"end_word":4754,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.60879654}]},{"text":"So overall, the reason why, obviously, the portfolio was predominantly not so good was that you did have quite a bit in your Bennelong investment, which is the one that we've swapped out for you now. Right. Okay. Yep.","start_word":5119,"end_word":5157,"intents":[{"intent":"Discuss portfolio differences","confidence_score":0.005108574}]},{"text":"So that's the fee that it's been that's like the what it's been the last few years, is it?","start_word":5428,"end_word":5446,"intents":[{"intent":"Clarify fee and document","confidence_score":0.0042029484}]},{"text":"In the meantime, like I said, I will get working on those figures for you and email that through to show you that if you, you know, didn't come on board where things would have been with us super, and I'll add all those disclaimers and everything like that into the Okay.","start_word":5574,"end_word":5625,"intents":[{"intent":"Create documentation and disclaimers","confidence_score":0.000003904273}]},{"text":"for you. Great. Yep.","start_word":5628,"end_word":5631,"intents":[{"intent":"Express gratitude","confidence_score":0.039664056}]},{"text":"Now do you have any questions, or what are your thoughts on everything before I let you go and enjoy the rest of your afternoon? Oh, look.","start_word":5632,"end_word":5658,"intents":[{"intent":"Recommend future communication","confidence_score":0.00007467898}]},{"text":"it's kind of like I am concerned to see a minor number there because, I guess, for me, it's kind of like, you know, if you're investing in professionals and extra advisers looking over your and and and it's and they're not getting it right. Yeah.","start_word":5746,"end_word":5791,"intents":[{"intent":"Assess investor investments","confidence_score":0.000025398043}]},{"text":"Obviously, the other thing to obviously, be mindful of when it comes to comparing different superannuations is how your money is invested, but then also, obviously, employee contributions and then how much how much he would potentially have because it compounds and obviously compare the return, which I'm sure you would do then, like, obviously, the the increase in the dollar value because the more you have, the more it compounds and grows quicker, if that makes sense.","start_word":6403,"end_word":6480,"intents":[{"intent":"Compare superannuations and returns","confidence_score":0.0011225885}]},{"text":"What I'll do is I will get this document for you. I'll email that Australian super comparison. I will send you the yearly reports as well. Now would you like me to give you a call in, like, a week or two once you've had a read through it to see how you feel, if you have any questions, what your thoughts Yeah. are? Sure.","start_word":6487,"end_word":6551,"intents":[{"intent":"Provide and email super comparison documents","confidence_score":0.00021216352}]},{"text":"Now would you like me to give you a call in, like, a week or two once you've had a read through it to see how you feel, if you have any questions, what your thoughts Yeah. are? Sure.","start_word":6513,"end_word":6551,"intents":[{"intent":"Request call for comparison","confidence_score":0.0072346865}]},{"text":"So I'll book that in on Thursday, the March 26 at 10AM.","start_word":6645,"end_word":6656,"intents":[{"intent":"Book appointment for comparison","confidence_score":0.013975328}]},{"text":"how would I go about getting someone contacting me so I can get access into my account help me get access to my account again?","start_word":6746,"end_word":6770,"intents":[{"intent":"Request account access","confidence_score":0.049033634}]}]},"sentiments":{"segments":[{"text":"Hello. Candice speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.038574766367673874},{"text":"Good afternoon, Good Candice.","start_word":3,"end_word":6,"sentiment":"positive","sentiment_score":0.36028438806533813},{"text":"afternoon. This is This Veronica is from Oakview Financial. How are you? Sorry. I missed where you're calling from. Oakview Financial? Oh, hi. How are you? Yeah. Good. How are you? Yeah.","start_word":7,"end_word":38,"sentiment":"neutral","sentiment_score":0.09356774389743804},{"text":"Good. Thank you. I had you booked in to complete your annual review. Is now still a good time for you?","start_word":39,"end_word":59,"sentiment":"positive","sentiment_score":0.4208352863788605},{"text":"Yeah. We can do that. Yeah. No problem. Yes. Okay. I'll try to be a bit quick if you are a little bit short for time. But before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine.","start_word":60,"end_word":116,"sentiment":"neutral","sentiment_score":0.05988188087940216},{"text":"Perfect.","start_word":117,"end_word":117,"sentiment":"positive","sentiment_score":0.41971611976623535},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Candice in Ellensburg, 27th Of The 5th 83. Sorry. What was it? My address? Address and date of birth, please. Yep. 40 Harrier Drive, Burley Waters 4220 And 27th Of The 5th 83. Yep.","start_word":118,"end_word":178,"sentiment":"neutral","sentiment_score":0.03998640179634094},{"text":"Perfect. That's exactly what I have here.","start_word":179,"end_word":185,"sentiment":"positive","sentiment_score":0.4602877199649811},{"text":"Now but before I do kind of jump into the annual review, I'd like to always start by asking, if there is anything specific you are wanting me to address today or for that you're hoping to get out of the review or whether it's just just the yellow catch up? Yeah. I mean, it's just a a a sort of, I guess, just a general overview of where we're sitting. Mhmm. And I always like to kind of see I think in in in the past, they've sort of given me an indication of where I would sort of be sitting if I had continued staying with Australian is it Australian Super Bowl or my old Superfund? I can't think of them now. I can go back Right. and have a look for you. Just bear with me. Yeah. Australian Super it was, I think. It's just wait. I'm just opening it up now just to software is being a little bit slower than PDF. So I will know in a second.","start_word":186,"end_word":358,"sentiment":"neutral","sentiment_score":-0.0562744066119194},{"text":"All good.","start_word":359,"end_word":360,"sentiment":"positive","sentiment_score":0.7670566439628601},{"text":"I can definitely because, obviously, it takes it takes a little bit to, obviously, do all the math and calculation to see that, obviously, Yes. like, exactly where you would be.","start_word":361,"end_word":391,"sentiment":"neutral","sentiment_score":0.28579455614089966},{"text":"But if you if you want me to, I'm happy to get the team to pull all the figures together and email it to you to Yeah. see Great.","start_word":392,"end_word":420,"sentiment":"positive","sentiment_score":0.5420181751251221},{"text":"where things would have been if you didn't come on board, or is it a matter of what was the last, you know, twelve months with Australia through for a bit of both? No. I yeah. It would be good to see overall because obviously Yep. yeah. Yeah. It was kind of that's kind of like, we've, yeah, it it's kind of, I guess, the the easiest way for me to compare if this is kind of going in the direction that we sort of wanted to because it wasn't that I was over it wasn't that I was unhappy with Australian Superlight. Generally, that was going Yep.","start_word":421,"end_word":528,"sentiment":"neutral","sentiment_score":0.17429114878177643},{"text":"you know, that that was going quite well.","start_word":529,"end_word":536,"sentiment":"positive","sentiment_score":0.5044537782669067},{"text":"So I guess it's just yeah. Whether I guess it's worth the investment, Yep. yeah, in this, basically. Yep. And that makes sense. Obviously, you wanna make sure that, you know, if you're paying a little bit more for for fees, you're getting the service and that in in Yeah. turn, Definitely.","start_word":537,"end_word":588,"sentiment":"neutral","sentiment_score":0.21760530769824984},{"text":"you are getting the returns and everything like that. So I can definitely go back and do that for you.","start_word":589,"end_word":608,"sentiment":"positive","sentiment_score":0.5157783627510071},{"text":"Now when I email it through, because there are obviously a couple of that's changed for you so that I can make it the most, I guess, apple to apple comparison. So in your Australian super, you had insurances at the time. So would you like me to assume that you had those insurances and those premiums stayed the same for the whole time? Now they obviously will change, but it's a bit tricky to forecast five Yeah. years worth I of get insurance what you premium premium. yeah. No. I get what you mean. Like and I do appreciate that, like, the insurance is a lot, you know, more thorough Yeah. with what I have now as like, compared to, like, just the standard, I guess, you Yeah. know, insurance that I had with that.","start_word":609,"end_word":744,"sentiment":"neutral","sentiment_score":0.0875797179144095},{"text":"So I'm happy Yep.","start_word":745,"end_word":748,"sentiment":"positive","sentiment_score":0.5877108573913574},{"text":"for you to just, I guess, make, you know, just even even just based on the Okay. average, you know, insurance that I had, and I can Yep. kind of have that in consideration Just do that. when Okay. reviewing there. Yep. And what I can do to make it as, you know, like for like is I can then assume because your premium at the time was $299.04. I'll put some disclaimers in there, but I can then assume same insurance across both to give you a bit more accurate of just your super, how that would have changed. Does that Yeah. make sense? Okay. Yep. Yeah. Yeah. Okay.","start_word":749,"end_word":858,"sentiment":"neutral","sentiment_score":0.04220466688275337},{"text":"Great. Yep.","start_word":859,"end_word":860,"sentiment":"positive","sentiment_score":0.4423615634441376},{"text":"So then you can see purely just from a superannuation growth perspective. Yeah. Okay.","start_word":861,"end_word":874,"sentiment":"neutral","sentiment_score":0.2186911702156067},{"text":"Great. Yes. Perfect. Yeah. Alright. Perfect. I can definitely do that.","start_word":875,"end_word":885,"sentiment":"positive","sentiment_score":0.5588924288749695},{"text":"It might be by end of tomorrow, if that's okay. Oh, yeah. That's fine. There's no major rush Yes. in it.","start_word":886,"end_word":906,"sentiment":"neutral","sentiment_score":0.2432732135057449},{"text":"That's fine. Yeah. Perfect.","start_word":907,"end_word":910,"sentiment":"positive","sentiment_score":0.4343165457248688},{"text":"I'll get that email through there. When you do have a look at it, if you have any questions or concerns or anything, just let me know. But, otherwise, I'll add, you know, any disclaimers that we've made in regards to it, so that you can obviously see. And let me see here. At the time, your income probably was a little bit different. So your income at the time was 40,000. What is it today? It is is is it so this is before tax? Yes, please. 104,000. Okay.","start_word":911,"end_word":1000,"sentiment":"neutral","sentiment_score":0.08982609212398529},{"text":"Perfect.","start_word":1001,"end_word":1001,"sentiment":"positive","sentiment_score":0.4032678008079529},{"text":"So what I can do then again because it's it obviously, the more income you earn, the more employee contributions you're gonna earn, the more it's gonna compound and change. So would you like me to assume your income was for 40,000? Because that's what it was at the time, staying consistent until today, showing that both with your current Subaru and have 24, or would you like me to assume a 104, or what would you prefer? Well, yeah, are you are you able to assume a 104, Yeah. but with but with the but with the, I guess, rates and and and and and all that kind of stuff from Australian Super, if if you know what Yes. I mean? Yes. Yeah. I can Okay.","start_word":1002,"end_word":1128,"sentiment":"neutral","sentiment_score":0.08302815334768746},{"text":"definitely Great. do that.","start_word":1129,"end_word":1132,"sentiment":"positive","sentiment_score":0.5604456663131714},{"text":"Yeah. So, obviously, it would have changed slightly then, like, if you stayed in in Australian Super because at the time, your income obviously wasn't a 104, so you wouldn't get as much return, and it wouldn't compound as much. But I can at Yep. least give you a bit of a a bit of Well an yeah. understand I guess because, I mean, it understanding. yeah. I mean, it it just well, it's I mean, Yeah. like yeah. I mean, because, obviously, like, as Yeah. my income has increased, Yes. that would have increased with Australian Super as well. Do you know what I mean? Correct. So whatever well, I guess, whatever it is, Yes. yeah, as long as as long as it's kind of you're looking at the The same same. income Yep. across Yep. yeah. Exactly.","start_word":1133,"end_word":1271,"sentiment":"neutral","sentiment_score":0.008221177384257317},{"text":"Perfect.","start_word":1272,"end_word":1272,"sentiment":"positive","sentiment_score":0.4715997576713562},{"text":"Yeah. Yeah. And, again, I'll put this claim as underneath it to say assuming income of a 104, both scenarios, assuming same premiums, both scenarios so that you can see more clearly what the changes would have been. Yeah. Yeah.","start_word":1273,"end_word":1312,"sentiment":"neutral","sentiment_score":0.12117451429367064},{"text":"Great. Yeah. Okay. Perfect.","start_word":1313,"end_word":1316,"sentiment":"positive","sentiment_score":0.4622507691383362},{"text":"Aside from from that, is there any other, like, concerns or questions otherwise that you have that you want me to address or just to kind of run through things? Yeah. I mean, yeah, I think just, I guess, just to run through things. I I also I've set I haven't really had the time or chance to kind of look into it properly. But, basically, I got recently a new iPhone, and I haven't been able to I need to set up a new what do you call it? I need to set up my auth and, Yes. you know, The the Authenticator yeah. app and To stuff. be able to get Yep. in. So I can't really look too much about I'd like where we're sitting right now because I just don't have it set up to get in. No. That's okay. I have actually sent you an email with some information to run through, which shows Okay.","start_word":1317,"end_word":1476,"sentiment":"neutral","sentiment_score":-0.024497810704633593},{"text":"you Great.","start_word":1477,"end_word":1478,"sentiment":"positive","sentiment_score":0.5827876329421997},{"text":"where everything is at at the moment as well. But before I kind of jump into that, I do wanna just quickly run through a bit of an updated fact find review just to see if there's been any major changes that would need us to make any changes to your advice. So I will Okay. try to run through this as quickly as I can for you if you are a little bit short for time, so just bear with me. Now when it comes to your personal information, I have you down here as married with four financial dependents. Is that correct? Yeah. Correct. Yeah. Yep. Perfect. I do have next of kin as John, phone number ending 645. That's still the case? Yep. That's correct. Yep. Perfect. And I've updated your income already. Any changes to your occupation otherwise or just a bit of a buffer in No. It's income? No. yeah. No. Doing It's pretty the same. much just the same. Just doing more hours really now. Yep. Perfect. So is it still part time or full time or a bit It's of a full combination? time now. Full time. Okay. Perfect. And your employer, they're still paid 12% employee contributions Yeah. into Just the super? standard they would do. Yes. Yeah. Great. Aside from, obviously, employer contributions, are you making any additional contributions into super? No. Not at the moment. No. No. No. Perfect. Now asset and liabilities wise, I'll just confirm what I have here, and just let me know if anything has changed. But I have here that your main property was last valued at about 2.5 mill. Yeah. That's about right. Yep.","start_word":1479,"end_word":1758,"sentiment":"neutral","sentiment_score":0.035654542967677116},{"text":"Perfect.","start_word":1759,"end_word":1759,"sentiment":"positive","sentiment_score":0.5448709726333618},{"text":"Mortgage of about 1,030,000. No. That's now sitting at surely paid off of that. Like, 750,000.","start_word":1760,"end_word":1775,"sentiment":"neutral","sentiment_score":0.08349262923002243},{"text":"Perfect.","start_word":1776,"end_word":1776,"sentiment":"positive","sentiment_score":0.5684323310852051},{"text":"Now I do have here as well two investment properties at one in Narrabeen. Yep. We still have that. Yeah. About about $9.50. Yep. You can put Yeah. that up to 1,000,000. 1,000,000. Perfect. And then I also have that the mortgage is about 600,000. Yeah. Correct. Perfect. And then you also have another property in Sydney of about 1.5? So that has now been sold. That's the Pingabe one. Is that correct? Yeah. That would be. Yes. Okay. So you've sold that property. And are you thinking of buying another one or not Not really? at this stage. No. Nope. Perfect. Do you also have your motor vehicle, by the about 60,000? Yeah. Is that the Kia? Yes. Do you have that? Yep. Yes. So that would have come down slightly, I think. Probably, like, maybe, like, 45. 45. Perfect. And you don't have anything owing on that one, do you? No. No. Perfect. And then I also have an offset account that's split with your husband of about a 130,000. So there's about we are looking at doing renovations, but there's about 3,300,000 sitting in that at the moment. Okay. Perfect. And then kind of looking at doing some house renovation. Perfect. Any other new assets that we haven't gone through that's changed over the last twelve months? No. Perfect. No other liabilities like personal loans, credit cards, ZipPay? No. No. No. Perfect. Health and lifestyle wise, are you a smoker? No. Alright. Perfect. Any changes to your health in the last twelve months otherwise? No. Perfect. Do you have private health insurance? Yes. Yep. Perfect. And lastly, just estate planning wise, do you have a will in place? Yes. I do. Yep.","start_word":1777,"end_word":2061,"sentiment":"neutral","sentiment_score":0.03613416105508804},{"text":"Perfect.","start_word":2062,"end_word":2062,"sentiment":"positive","sentiment_score":0.3642597794532776},{"text":"And that's pretty up to date. Yeah. That's I only did that recently in the last sort of, you know, last six months anyway.","start_word":2063,"end_word":2086,"sentiment":"neutral","sentiment_score":0.018684793263673782},{"text":"Oh, great. Perfect.","start_word":2087,"end_word":2089,"sentiment":"positive","sentiment_score":0.5818244814872742},{"text":"Do you know if you made a nomination for power of attorney when you got the will as well? No. No. That's alright. But you don't have anyone otherwise who makes any financial decisions on your behalf? No. Alright.","start_word":2090,"end_word":2128,"sentiment":"neutral","sentiment_score":0.055261559784412384},{"text":"Great.","start_word":2129,"end_word":2129,"sentiment":"positive","sentiment_score":0.45123258233070374},{"text":"So that was all of the personal information. When it comes to, I guess, goals and stuff that you are working on for the next twelve months. Now last time when we did do your under review, you were kind of focusing on putting aside some money to start some house renovations. You kind of mentioned that that's still kind of a goal for yourself. Yes. Is there is there anything else that you're working through that you're wanting to achieve financially or nonfinancially over the next twelve months? Maybe not the I mean, look, long term, we'd love to Mhmm. get into maybe, like, flipping a property or something like that. But just at the moment, it just I just don't think we have the what do you call it? The the, like, financial Yep. Like, borrowing power, Yep. really, Yes. at the Yep. moment. Yeah. Okay. Perfect. But that's our long term goal. Yeah.","start_word":2130,"end_word":2285,"sentiment":"neutral","sentiment_score":0.12361451238393784},{"text":"Oh, that's nice.","start_word":2286,"end_word":2288,"sentiment":"positive","sentiment_score":0.3542996346950531},{"text":"Now the other thing I do wanna quickly run through with you is just an updated risk profile questionnaire, and that is just to see if we need to make any changes to your investment portfolio otherwise with your super. So there is no right or wrong answers. It's just whatever you feel is the most appropriate for you, And it is in regards to your superannuation. So if it doesn't make Okay. sense, let me know because some of them yep. Sorry? Yep. No. That's yep. Keep going. Yep. Perfect. Now, Candice, have you ever made direct shares yourself? Have I ever what? Sorry? Bought direct shares, like, on the stock market and stuff like that? I've only dabbled in a bit of the, like, raise, you know, raise. So it's just Yes. like a little kind of online kind of thing where it kind of like, yeah, it's it's it's it's very minimal. It's, like, $20 a week. Yeah. Yeah. No.","start_word":2289,"end_word":2451,"sentiment":"neutral","sentiment_score":0.0018672215426626384},{"text":"And Perfect.","start_word":2452,"end_word":2453,"sentiment":"positive","sentiment_score":0.4650340974330902},{"text":"they just kind of buy it for you, and I just you know? So Yes. yeah. I don't know if Do that you counts, but that's all I've yep. done. No. It definitely counts. Do you still have a little, like, share portfolio there? That Yeah. Do you know how much you have roughly? yeah. Yeah. So I literally just started it recently, so this is, like, $500 in it. Oh, it's still an asset. So I'll just change that up.","start_word":2454,"end_word":2534,"sentiment":"neutral","sentiment_score":0.09679381549358368},{"text":"That's good.","start_word":2535,"end_word":2536,"sentiment":"positive","sentiment_score":0.6308243870735168},{"text":"Now let me see here. Otherwise, I guess, when it comes to accessing superannuation, Yeah. I have here that, you're planning on accessing super at the age of 60. Is that still the plan? Yeah. I guess so. Yep. Yep. Well, that is the earliest you can currently at least with the legislation. If you stop working, it is at 60. You can take it tax free. Right. Okay. Yeah. Now, otherwise, when it comes to how much risk you are willing to take in regards to your superannuation, Are you willing to take, you know, very high risk, high risk moderate, or a small amount of risk in order to kinda keep up pace, you know, with inflation and increase in prices? Yeah. I would say, like, high risk, moderate. High risk? Like yeah. Yeah. Perfect. And if you, after six months of placing an investment, found out that your portfolio has decreased in value by 20%, would you if you had the option to do so, I think that now is a good time to invest a little bit more while the prices are down, or would you kind of hold and wait to see what happens, or would you want to shift to a more secure asset? So that means the other selling when the prices have already dropped. The first one. The first one.","start_word":2537,"end_word":2764,"sentiment":"neutral","sentiment_score":-0.02010623924434185},{"text":"Perfect.","start_word":2765,"end_word":2765,"sentiment":"positive","sentiment_score":0.4255779981613159},{"text":"Now next one is in regards to superannuation dropping in value. So if you ever noticed your superannuation fluctuate and drop in value over to the last twelve months, we've seen a bit of fluctuation with everything going on in the world in the last twelve months. If it was something that you did notice, would you say that you would feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, or that would make you feel quite concerned? Maybe the second one. Maybe cautious. So yeah.","start_word":2766,"end_word":2858,"sentiment":"neutral","sentiment_score":-0.27243661880493164},{"text":"Perfect.","start_word":2859,"end_word":2859,"sentiment":"positive","sentiment_score":0.33734768629074097},{"text":"And the last one is, would you ever consider taking out a loan to invest on the stock market? No. I don't think I can do that. No. No. Perfect. So just kind of investment property is kind of where taking out a a loan would be where you would be comfortable with. Yeah. I don't think I would borrow in order to invest yet. Yep. No. Perfect. Now that tells me here that from a risk profile point of view, you have come out as a high growth investor, which is the portfolio that we currently have you invested in. Do you remember what a high growth investor is? I was kind of I I would assume a a bit of it, but, yeah, feel free to give me a quick rundown. Yeah. So, essentially, it means someone you know, you are willing to see a bit of fluctuations in the short term in order to kinda maximize growth in the long term when we are thinking of a time frame as well. So making sure that you have enough time in the market because, typically, we see about 90% invested in your growth assets. So these will be things like Australian shares, international shares, property, and commodities, which is going to maximize that growth for you. And then you have about 10% in more defensive investments, like your cash, your gold, your fixed interest. We're trying to limit fluctuations a little bit. Time frame side of it, we do typically want to allow at least eight years until retirement because you do see a bit of fluctuations in the short term in order to kinda grow it in the long term. Are you still comfortable with a high growth portfolio, or has your risk tolerance or anything changed? No.","start_word":2860,"end_word":3160,"sentiment":"neutral","sentiment_score":0.06317174434661865},{"text":"I'm generally comfortable with that.","start_word":3161,"end_word":3165,"sentiment":"positive","sentiment_score":0.5332399606704712},{"text":"Yep.","start_word":3166,"end_word":3166,"sentiment":"neutral","sentiment_score":0.3263798654079437},{"text":"Okay. Perfect.","start_word":3167,"end_word":3168,"sentiment":"positive","sentiment_score":0.45425301790237427},{"text":"Now do you have access to your emails at the moment? Yes. Yep.","start_word":3169,"end_word":3181,"sentiment":"neutral","sentiment_score":0.15619982779026031},{"text":"Perfect.","start_word":3182,"end_word":3182,"sentiment":"positive","sentiment_score":0.35847586393356323},{"text":"So what I have done is I have sent you an email, with a couple of attachments just to run through, quickly with you, then we're all finished for today. If you are able to access those for me. It can K. also end in the spam Is folder that the because signature request? Is that that one? yes. Yes, please. Yep. That's the one. Yeah. So before you click on the link, because that will ask you to sign the documents that needs signing. But before you click on it, if you scroll down, you will see a couple of attachments. Can you see those? Yes. Yep. Perfect. Now the one that says Oakview services guide version one and Oakview financial services guide version four, I will Yes. let you have a read over those in your own time. It's one of those compliance Okay. documents you would have seen before. It is just an updated financial services guide. So, basically, everything that you need to know about us is all in them. We've had some changes to our marketing, which is great, and a bit of extension to the team. So, basically, everything about the team, all our advisers, and everything is in there for you if you do wanna have a read over them. Okay. Yep. The next one is can you see a super and insurance summary one? Yes. Yep. Perfect. So if you open that one for me, you can see your Netwealth Super, and it shows you as well the balance of 193,105. Okay. And then underneath that, you have your Neos insurances. So you have your life and total permanent disability insurance. Yep. That is 654,604. And then you also have an income protection policy, and that will pay sorry. Let me see. My documents just went out for me. It will pay 1,025 a month with a thirty day waiting period and a five year benefit period. All those threes are paid from within superannuation. You get a 15% tax rebate. So after that, the total premium is 1,425. Okay. Now now with your insurances, because your income has gone up quite a bit from when, obviously, we took out your policy, your income protection, you are you could be covered for more if you wanted to. Yep. Right. Okay. No. I think I'm comfortable with where that's Okay. sitting.","start_word":3183,"end_word":3580,"sentiment":"neutral","sentiment_score":0.09773754624266122},{"text":"Yeah. Perfect.","start_word":3581,"end_word":3582,"sentiment":"positive","sentiment_score":0.465748131275177},{"text":"Because if you did wanna increase it, it would mean in the insurance eye, you would have to take on more risk. You'd have to go through the underwriting process again, and then the insurances will get more expensive because you have more cover. So Yeah. I will Sure.","start_word":3583,"end_word":3631,"sentiment":"neutral","sentiment_score":0.1034722626209259},{"text":"leave that all for now, which is good.","start_word":3632,"end_word":3639,"sentiment":"positive","sentiment_score":0.3534412384033203},{"text":"Now the other one is the Vanguard index chart. Can you see this one okay? Is that back on the email? Yes. Should be like the first one. 2025 Vanguard index chart. Okay. Yeah. Yep. Sorry. You may have seen this one before, but it is a good visual representation of what we are talking about when we are typically talking about the market. So you can kind of see here that dates back all through 1995 and then through all the ups and downs of the market. So when you have a look at it, you will see that over the long term, the market always goes up. But short term, there will be some ups and downs and market fluctuations depending on what is going on as well. So it is a good way to kind of see it long term. And And what sorry. so when you say what what are we looking at going up here? Is that actual super is that superannuation? It's different asset classes. So Right. Okay. at Oh, the moment okay. Yeah. so I see them on the side there. yeah. So kind of referring back to how your super is invested to relate it is that in that high growth portfolio, you have about 90% invested in top four. That is your US shares, Australian shares, international shares, and property. That includes your growth investments. So they are the one that obviously grows the most but also fluctuates the most. And then you Yeah. have about 10% in defensive, which would be those bottom three. Mhmm. Does that make sense? Perfect. Now the last attachment would then be your asset performance detail. Can you see that one okay? Yeah. One second. Yep. It should be the one that has all the Yep. Okay. yeah. So this one can look a little bit messy, especially if you are looking at a phone, if it's a little bit small. No. But I'm on a laptop folder.","start_word":3640,"end_word":3972,"sentiment":"neutral","sentiment_score":0.06818939976998277},{"text":"it's perfect. There you go.","start_word":3973,"end_word":3977,"sentiment":"positive","sentiment_score":0.5311004519462585},{"text":"So this one here breaks down all your investments. So you can see all your individual investments listed here and then how they have performed over the last twelve months. So this one here ranges from the 03/02/2025 to the 03/01/2026 when we put together this document for you, which shows you all your individual investments and how they have performed after fees. Now did you also get our email with the record of advice outlining the investment change? Did you have a look at that one at all? I'm not sure. I can't remember. Was that was that recently? Yes. Let me see. It was on the March 13. Okay. Okay. I can have a look at that. Yeah. It's just for your reference. You don't need to sign it or anything, but it is just your reference essentially to say that the investment committee have done a lot of research on, obviously, investments and everything like that. There is a lot that has happened and changed in the world and have made a decision to swap out one of your investments, and that is the Benelon Australian Equities, which you can see on the document here. Now that one here was originally added to your portfolio. It is an active, managed fund with the purpose of trying to actively buy and sell investments in order to try to outperform the market.","start_word":3978,"end_word":4210,"sentiment":"neutral","sentiment_score":0.09402889758348464},{"text":"So when this one was added to your portfolio, it was doing really well. It was one of the top performing fund managers at the time as well, and it has done really well up until recently.","start_word":4211,"end_word":4247,"sentiment":"positive","sentiment_score":0.390508085489273},{"text":"More recently, they have underperformed a little bit. Some of some of the reasons has been that they have made a couple of high convictions on stocks that they think are going to do really well, which hasn't really played out. And then one of the investments that they also had in their portfolio was the corporate travel group.","start_word":4248,"end_word":4306,"sentiment":"neutral","sentiment_score":0.1642860323190689},{"text":"I'm not sure if you've seen or read anything, but they had a bit of issues with reporting, which meant that they had to cease that they were basically suspended from trading for a while because of it, which saw everything drop down and fluctuate. So Right. that one is, like I said, has underperformed.","start_word":4307,"end_word":4361,"sentiment":"negative","sentiment_score":-0.362086683511734},{"text":"So the investment committee and everything after researching all the investment made the decision that we don't foresee that kind of coming back around and doing well in the future. So we have Right. swapped swapped it out for an alternative. All this is in that email as well if you do wanna go and obviously read on it because it is a lot to take in. Yes. But, essentially, we have swapped it for the BetaShares Australia two hundred. So, obviously, the portfolio we wanna keep a consistent asset class wise. We don't wanna have you too much in just one industry or sector. So by swapping out an Australian investment, we wanna include another Australian investment for you, which is that Australian 200. So that one just basically tracks the 200 largest companies listed on the ASX.","start_word":4362,"end_word":4500,"sentiment":"neutral","sentiment_score":0.10403463244438171},{"text":"So it is a little bit cheaper than the Australian Equity and has performed a little bit better. So we have made the decision to swap that one out for you.","start_word":4501,"end_word":4531,"sentiment":"positive","sentiment_score":0.34907394647598267},{"text":"Okay. Do Alright. you have any So questions with that? so no. Okay. So, essentially, it had gone down. So we sold at a at a at while it was down, and then we bought something else. But to we've sold because we're thinking it would continue to go Yes. down. Correct. Yes. Yeah. Okay. And by obviously, when you do sell the different investments as well, that can be capital gains tax, which, obviously, because the Benelon was down, we can then kind of offset that so you didn't have to pay, you know, tax on earnings and stuff like that.","start_word":4532,"end_word":4633,"sentiment":"neutral","sentiment_score":0.06450486928224564},{"text":"So it worked out pretty well, but, essentially, what you said was exactly right.","start_word":4634,"end_word":4647,"sentiment":"positive","sentiment_score":0.44080013036727905},{"text":"So Okay.","start_word":4648,"end_word":4649,"sentiment":"neutral","sentiment_score":0.28929445147514343},{"text":"that's why we made Yes. that change. And we do foresee that moving forward, it's going to be a little bit better.","start_word":4650,"end_word":4671,"sentiment":"positive","sentiment_score":0.3945563733577728},{"text":"Now, obviously, you don't know what's going to happen in the world and markets and a lot of lot of changes the last twelve months, but that was as you have a look at your portfolio, that was the biggest kind of contributor to the portfolio kind of underperforming a little bit over the last twelve months, which you can see here if you look at that return per portfolio column, the second to the right. Can you see that one? Yeah. So so for the last for over the last twelve months, I'm sitting Yes. at minus 1.7. After fees. Yes. Correct. Oh, okay. I think that's the first time that's happened. Yes. And in a high growth portfolio as well, because, obviously, going back to that Vanguard graft, there are years where things are going to do really well, and then there's some years where it's going to be a bit negative as well.","start_word":4672,"end_word":4827,"sentiment":"neutral","sentiment_score":-0.13790488243103027},{"text":"So in a high growth, typically speaking, we see the likelihood of a negative return is about one in every five years.","start_word":4828,"end_word":4849,"sentiment":"negative","sentiment_score":-0.34903785586357117},{"text":"Again, Yeah. Right. it depends kind of what is going on in the market and everything like that. So from, obviously, when you came on board and what's happened, it's not unexpected because we are investing in your high growth investments in trying to maximize that growth. And part of the long term is that sometimes there will be at times when it's not so good, and then other years, it will be a lot better. So likelihood of that negative return is about one in every five years in a high growth portfolio, which does kind of, you know, align with what's happened to your portfolio as well. Yeah. Now as you do also look at the other investments, you can see Okay. kind of how all of them have performed. Like we said, Ben, along, we did swap out for you. You can see that the other one that was down is your BetaShares Global Cybersecurity. That one is more of a cyclical investment. There's obviously a lot that's changing in the AI cybersecurity world, but we still think it's going to be a good investment long term. So we're not too concerned of wanting to swap that one out yet because it has also in the last couple of years done really well. So Fenelon Yeah. Okay. didn't have the same conviction. But you can then also see that kind of the other investments, despite there being a bit of fluctuations, you can even see that the Europe investment was up by 14.95%. The Meskewold, 17. You have Japan, Let me see here. At about 23. So overall, the reason why, obviously, the portfolio was predominantly not so good was that you did have quite a bit in your Bennelong investment, which is the one that we've swapped out for you now. Right. Okay. Yep. Does that make sense? I know it's probably a lot to Yep. kind of No. That makes Yeah. sense. Yep. Okay.","start_word":4850,"end_word":5178,"sentiment":"neutral","sentiment_score":0.05426683797752966},{"text":"Perfect.","start_word":5179,"end_word":5179,"sentiment":"positive","sentiment_score":0.35665977001190186},{"text":"Now that was basically all of the investments. Now also the return that's returned on the investment. So, obviously, if you have contributions going, this doesn't factor that in. So that is just the return on the investment after fee. Yes. That's Yep.","start_word":5180,"end_word":5222,"sentiment":"neutral","sentiment_score":0.16009604930877686},{"text":"yeah, that Perfect.","start_word":5223,"end_word":5225,"sentiment":"positive","sentiment_score":0.33672505617141724},{"text":"Now if you then wanna click on the link for me, I will just kind of talk you through the two was documents fine. that we'll need you to sign if you are comfortable to do so. But if you can click on the link, then I can show you the documents first. Okay. And there should be two. Right. Now can you see the one where it says Netwealth advice fee consent? Yep. Yeah. Perfect. Now this is your ongoing service agreement. So that is if you are happy to stay on as a client. We'll just need you to sign this document to say that we can obviously keep servicing your account. There is no lock in contract. So if at any point in time you are not happy with the service or you wanna go elsewhere, there is no lock in contract whatsoever. This just allows us to service you until the next unreview unless you decide to cancel before then. And then, obviously, you'd have to sign another ongoing agreement if you then wanna sign stay on board. The fee itself is not changing. It's staying exactly the same at 1.65%, just from superannuation. Any questions with that? So that's the fee that it's been that's like the what it's been the last few years, is it? Exactly. So it's saying exactly the same at 1.65. It hasn't increased or changed at all. Right. Okay. Yep. Any questions with that? No. No.","start_word":5226,"end_word":5471,"sentiment":"neutral","sentiment_score":0.13052622180401793},{"text":"Perfect.","start_word":5472,"end_word":5472,"sentiment":"positive","sentiment_score":0.33363574743270874},{"text":"And then your last one is your there's a compliance document. Just to say that we are keeping your tax file number secure on file, essentially. Now those two documents are the ones that we'll need you to sign if you are happy to stay on board. If you wanna take some time to obviously read through the document, by all means, you're more than welcome to do so. But, otherwise, we do need you to sign those documents when you have a moment. We'll get notified when it comes through, and then we can get that all uploaded for you. In the meantime, like I said, I will get working on those figures for you and email that through to show you that if you, you know, didn't come on board where things would have been with us super, and I'll add all those disclaimers and everything like that into the Okay. email Yep. for you.","start_word":5473,"end_word":5629,"sentiment":"neutral","sentiment_score":0.1841922104358673},{"text":"Great. Yep.","start_word":5630,"end_word":5631,"sentiment":"positive","sentiment_score":0.5480278134346008},{"text":"Now do you have any questions, or what are your thoughts on everything before I let you go and enjoy the rest of your afternoon? Oh, look. You know, I mean, I get the whole, like, market and everything like that, but I guess it just depends on where everything's sitting. All I know is is that my husband's super he's he's not invested the time or anything into, you know, trying to do you know, be proactive or Yep. working with a company or whatever. He just sits with, like, you know, the standard whatever, and we've done we've, Nest.","start_word":5632,"end_word":5732,"sentiment":"neutral","sentiment_score":0.12861411273479462},{"text":"And he's super he's doing better than mine.","start_word":5733,"end_word":5740,"sentiment":"positive","sentiment_score":0.5345276594161987},{"text":"So I guess Mhmm. it's kind of like I am concerned to see a minor number there because, I guess, for me, it's kind of like, you know, if you're investing in professionals and extra advisers looking over your and and and it's and they're not getting it right. Yeah. You know? So I yeah.","start_word":5741,"end_word":5795,"sentiment":"neutral","sentiment_score":-0.2514180232178081},{"text":"Like, seeing a negative figure is definitely a big one for me because it's not even like a small percentage. It's actually in the red.","start_word":5796,"end_word":5820,"sentiment":"negative","sentiment_score":-0.45220425724983215},{"text":"Yeah. Yeah. So I definitely I mean yeah. I mean, I know I'm sort of willing to take on the risk and stuff like that, but there's also, like there's the reason why you're investing sorry, why you're why you're, you know, spending money, you know, Yep. to have people kind of watching over this for you and stuff like that as well. So, Yeah. I mean, over the last couple of years, like, I haven't really been seeing a significant, I guess, improvement to warrant, I guess, that investment, if you know what I mean. So Mhmm. I Yeah. don't know. I'm I'm I'm I am I am thinking that this might be the year that I kind of shift and go back to, you know, go back to a a a a normal fund because I just I I don't know if the, you know, wall's being kinda caught over my Yeah.","start_word":5821,"end_word":5974,"sentiment":"neutral","sentiment_score":-0.05491553619503975},{"text":"eyes here a bit like and I just I actually don't feel very confident in this at the moment, to be honest.","start_word":5975,"end_word":5996,"sentiment":"negative","sentiment_score":-0.5020421147346497},{"text":"So Yeah. because it just as I said, I said, I I just see my husband's super sort of growing, and he's not doing he's just with the standard fund. And Yep. so I just feel like, you know, with all the fees and everything and I know Yep. don't get me wrong. I know there is Yeah. an extra Yeah. insurance kind of that I am getting higher insurance than Yep. I was. That Yeah. is a bonus, but, ultimately, I could organize insurance myself. You know? And we're talking about yeah. Like, I mean, I'm not I'm like the, you know, the mom and the of the family, if you know what I mean. So I've kind of given up my ability to earn, Yeah. Yeah. you know, huge amounts of money to stay home and stay and look after the kids and everything. So I'm kind of capped at the moment where I'm sitting, and Yeah. I just, like, need everything to be working as good as possible. And as I said, Yeah. just seeing that minus there is quite Yeah.","start_word":5997,"end_word":6180,"sentiment":"neutral","sentiment_score":-0.14259180823421996},{"text":"quite disheartening. Daunting.","start_word":6181,"end_word":6183,"sentiment":"negative","sentiment_score":-0.6606695055961609},{"text":"Yes. Yeah. And, you know, I completely understand that as well. And, you know, with if it was consistently going down over time, then there's obviously something structural with the investments, and I would totally, totally get that. When I look, obviously, at the portfolio through time, it is expected to have that likelihood negative year, but, obviously, we want you to be comfortable.","start_word":6184,"end_word":6247,"sentiment":"neutral","sentiment_score":-0.11350519955158234},{"text":"So I'm more than happy to do this or super comparison for you. What I can do as well is it's super easy to draw the report.","start_word":6248,"end_word":6274,"sentiment":"positive","sentiment_score":0.5524581074714661},{"text":"So what I can do is I can, with that email, actually send you the yearly report from when you came on board so you can Yes. see kind of, okay. Well, how has everything gone each year? So then you can also see that, you know, there are a bit of fluctuations, but also each year overall, if that would still put you in a better position even though this year wasn't as great, if the other Yep. years are still kind of putting that forward by more. Does that make sense? Yeah. Yeah. Would you Yeah. would That's you would fine. that would that be helpful if I send Yeah. you those That would reports be as well? Yeah. yeah.","start_word":6275,"end_word":6396,"sentiment":"neutral","sentiment_score":0.13992488384246826},{"text":"That would be helpful. Perfect.","start_word":6397,"end_word":6401,"sentiment":"positive","sentiment_score":0.4709793627262115},{"text":"Obviously, the other thing to obviously, be mindful of when it comes to comparing different superannuations is how your money is invested, but then also, obviously, employee contributions and then how much how much he would potentially have because it compounds and obviously compare the return, which I'm sure you would do then, like, obviously, the the increase in the dollar value because the more you have, the more it compounds and grows quicker, if that makes sense. Yeah. Yeah. Yeah. For sure.","start_word":6402,"end_word":6484,"sentiment":"neutral","sentiment_score":0.09367456287145616},{"text":"Perfect. Alright. What I'll do is I will get this document for you. I'll email that Australian super comparison.","start_word":6485,"end_word":6503,"sentiment":"positive","sentiment_score":0.4012837707996368},{"text":"I will send you the yearly reports as well. Now would you like me to give you a call in, like, a week or two once you've had a read through it to see how you feel, if you have any questions, what your thoughts Yeah. are? Sure. That's fine. Yeah? Now when is normally a good time for you? It's hard to say. Just I mean, generally, not Monday and Tuesday. They are my busiest days, so you can try me on a Wednesday or Thursday. That's fine. Okay. Perfect. Now I do have some availability in next Thursday. That is about 02:30. Do you think that would be okay, or would you want, like, another week Yeah. That's after that? maybe a little bit earlier than 02:30. Yep. Okay. I could do 10:00. Yeah.","start_word":6504,"end_word":6639,"sentiment":"neutral","sentiment_score":0.11157020926475524},{"text":"That's great.","start_word":6640,"end_word":6641,"sentiment":"positive","sentiment_score":0.4609728753566742},{"text":"Yeah. Okay.","start_word":6642,"end_word":6643,"sentiment":"neutral","sentiment_score":0.2819615602493286},{"text":"Perfect.","start_word":6644,"end_word":6644,"sentiment":"positive","sentiment_score":0.40591245889663696},{"text":"So I'll book that in on Thursday, the March 26 at 10AM. If you have any questions or concerns before then, by all means, you can always give me a call and send me an email. Otherwise, I will tryna get that reports and everything through you by end of business day tomorrow to give you some time to obviously have a read through everything, have a think about it, and then you can obviously let me know if you have any other concerns and what your thoughts are on Thursday next week. Yep. Okay. Yep.","start_word":6645,"end_word":6740,"sentiment":"neutral","sentiment_score":0.2665695548057556},{"text":"Great.","start_word":6741,"end_word":6741,"sentiment":"positive","sentiment_score":0.49368780851364136},{"text":"And Yeah.","start_word":6742,"end_word":6743,"sentiment":"neutral","sentiment_score":0.3142605423927307},{"text":"then Perfect.","start_word":6744,"end_word":6745,"sentiment":"positive","sentiment_score":0.3762999475002289},{"text":"how would I go about getting someone contacting me so I can get access into my account help me get access to my account again? So I can either get someone to contact Netwealth on your behalf and get Netwealth to call you. Because of Yeah. because of privacy, we can't do it. I can get Netwealth to call you, or if you want to call Netwealth yourself and request access. It's whatever is easiest for you. If you could get someone to call me, that Yeah.","start_word":6746,"end_word":6832,"sentiment":"neutral","sentiment_score":0.08903173245917792},{"text":"would be awesome. Yeah. Perfect. I will get the team to call Netwealth and get Netwealth to give you a call.","start_word":6833,"end_word":6853,"sentiment":"positive","sentiment_score":0.4175879955291748},{"text":"If they haven't given you a call in a day or two, even just let me know, and I'll see if I can follow-up with them. But Okay. it depends Great. also, you know, their backlog and stuff. But I'll make a little note here as well to touch base at least next Thursday to see if someone from Netwealth actually called you and if you were able to get into your account as well. Okay.","start_word":6854,"end_word":6929,"sentiment":"neutral","sentiment_score":0.12541142106056213},{"text":"Great. Thank Yeah. you.","start_word":6930,"end_word":6933,"sentiment":"positive","sentiment_score":0.5092341303825378},{"text":"No. That's okay. Do you have any other questions for me at this point otherwise before I let you go? No. That's no. That's No? that's all good. No. Alright.","start_word":6934,"end_word":6963,"sentiment":"neutral","sentiment_score":-0.027497943490743637},{"text":"Perfect. Well, thank you so much for your time today, and I hope you enjoy the rest of your afternoon. And I look forward to speaking with you next Thursday. Awesome. Thanks so much.","start_word":6964,"end_word":6997,"sentiment":"positive","sentiment_score":0.7347913980484009},{"text":"Mhmm. No problem. We'll speak soon. Okay. Bye. Bye.","start_word":6998,"end_word":7006,"sentiment":"neutral","sentiment_score":0.179167702794075}],"average":{"sentiment":"neutral","sentiment_score":0.07061020366073306}}}}