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I had you booked in this morning for a bit of a catch up and to go through your annual review. Is now still a good time for you? Perfect. That is all good. Now I know as well that you have spoken to my colleague, Larissa, before. And I think from the last conversation, you were kind of wanting to hold off a little bit until she sorted out advice for Craig from memory. Does that ring a bell? Yeah. Yep. Yes. No. That is all good. That is all good. And now before I do go any fur further, Shannon, I do need to let you know that the calls are being recorded for quality and coaching purposes. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I get you to confirm just your full name, date of birth, and address, please? Yeah. Perfect. You got your birthday coming up soon. Do you have anything planned? Lovely. Recovering still? Oh, no. Yeah. Yeah. Yeah. Yeah. And sometimes that's it. So, like, a lot is happening, and we can always you know, I totally understand that too, that there are periods of time where it just thinks a bit crazy. We can always push it out and stuff. We can obviously work with work with that. That is no problem. No. That's all good. Now what I will do first with you there, Shannon, is just to run through a bit of a updated fact find just to see if there is yeah. So I will just run through a bit of an updated fact find with you. Basically, yeah, just running through your information to see if there's anything major that has changed and if we do need to make any changes to your advice at all. So just kind of bear with me. No. That's okay. So it might be good for us to do a bit of an updated strategy for you just to see where things are at anyway. Good to do, especially it's been some time. Yes. You are. So let me we'll go through everything. And then I think what we should do, especially with if you're not working, obviously, and because it's obviously been a bit with the market the last twelve months, I think it is good for me to go and do do a bit of an updated strategy for you after today. It will take me about a week or two to put it all together, and it is a good just kind of touching point to see, okay. Well, do we wanna make any changes to investment depending what's happening? And, also, everything else, touch base with insurances and see what you wanna do so we can of course. Yeah. Yes. Yeah. Yes. Yeah. Yes. Yes. It definitely has. Yeah. Yes. Yes. Yeah. Yeah. And it is good that you do have that understanding as well. That is really good, and it it is very true. And there are obviously, you can never predict what's going to happen with the market, but when we do look at historically as well, like you said as well, long term market always goes up. Short term, there will be some ups and downs and market fluctuations. And if it is a bit of a downtime at the moment, you might not want to change investments or you might not want to change everything. So stay. Yes. Yes. Exactly. Yes. Yes. Mhmm. Yep. Yes. Yep. Yes. Yeah. Yes. No. I do. I do hear you. Yeah. Yeah. So well, I and it is very valid points as well. And some of it, it is definitely true where you do wanna hold off and wait for that to come back around, especially if it's more like your cyclical investments that we do see kind of coming back around. So if we because exactly. So we do, obviously, research on all the investments all the time, and we wanna make sure that we do have in the best options at all times. And there are going to be times where investments have potentially underperformed a little bit, and then we have to assess, okay. Well, do we want to sell it when it's down? Do we foresee it coming back around or not? So part of the research I will go and do today, which actually, do you have access to your emails at the moment, Shannon? Okay. So what we can start with is I have to send you an email with some documents. And if you could have a look at them for me, we can start there. Up front. Yep. Yes. Okay. Yeah. Yeah. And I I get that. And yeah. And I completely hit yeah. Mhmm. Seeing the value. And it is fair. And with the with the fees as well. Sorry. With the the the upfront fee that you paid, that was that one off fee. That is correct. Now you will never be charged that again. The upfront fee was just to come on board to implement everything. Now there is an ongoing advice fee, which you touched on as well. That is correct, And that is a percentage of your balance. Now, typically, that is Yeah. I want to see the value. And and yeah. And that is totally fair. So what I what I'm more than happy to do for you, Shannon It's communication. Yeah. And I do apologize that you've run on hold with that. You've been a bit yep. I get I get that. Yeah. Yeah. And I get that. And, you know, my job is to help you at the end of the day, help you make the decisions that's best for you, and help you for your super and your retirement. And, obviously, I do apologize that you weren't told that Alan left at the time. That's not you know, that is something you should have been told. And the only thing I can do moving forward is making sure you do get that communication, and I will try my best. Sorry. I am one of the advisers here, and what what we used to do is have a bit more of a kind of like a floating thing. So all the clients were kind of everyone was working on collectively, and it also meant that someone was always available. So what we've recently changed through as well is where you do kind of have one dedicated adviser that you work with as long as you're obviously happy to do so, and that would also smooth out that communication where you only deal with one person moving forward. That person is completely across your situation and and everything for you. And if you have any questions or anything else, you can just come directly to myself. So that kind of takes away all of that. And then, also, I can make sure that if I tell you that I'm going to do something, then I can make sure that that will happen, and I have a dedicated admin assistant as well to help me with everything. So I can kind of liaise with them a bit more in that aspect of making sure that you do get that communication. And what I would be more than happy to do, Shannon, is I'll happy to go and do the research for you first, especially don't you deciding anything if you're not happy. And then after I've done all of that, you can obviously assess how you are feeling. Now with the advice fee, I do wanna let you know. So with the ongoing advice fee, it is not a yearly fee. So we normally show you the yearly fee, but it is deducted on a monthly basis. So what that also gives you is the flexibility. So it's not like you pay a one off fee once a year, and that's it. It comes out on a monthly basis for you. So even if you were to go, yeah. To do. Yeah. And so at the moment, your fees are off. So right now, you're not paying anything. So it's only if you are happy to Yeah. Yeah. Yeah. Yep. Yeah. Yep. High growth? Yeah. Yep. Just having Yeah. That's fine. No. That's fine. That's fine. I get it. Yeah. Yeah. And that's the absolute last thing I want. Yeah. Yeah. Yeah. And and and I get that, and I do really appreciate your honesty as well. So I can have a look here for you. So yes. Of course. So and that is the absolute last thing we want. That is the opposite of what I'm trying to achieve for you. That is the opposite, and I don't want that. So so what yeah. So what what I can do for you, Shannon, as well is that I will review all your investments in detail for you, review if there is any that is kind of what we touched on a bit more cyclical where is better off holding off or if there is any that is underperforming and we do wanna make a change. And what I will also do is I can so to make it easier for you as well is that I can include a comparison of other options. So if you so who who was the other funds that you were looking? Because at the end of the day, there is absolutely nothing holding us to Hub twenty four or any super funds. I will recommend whatever is going to be best for you. And if the best thing when I do the research for you is that you will be better off going through host class or Australian Super, wherever it might be, then I will let you know. That is my duty to you and what I am I have to do. So if I do research and I show you that what you are currently doing is worse off, then I'm not gonna recommend that for you at the end of the day. So I'll be more than happy to include comparison and showing you, obviously, what if you do go to an industry fund like host plus, then you don't have adviser fees, what are returns looking at, what are all the fees, and then give you that kind of, like, comparison so that you can then make up your mind if you feel like whatever is I'll make a recommendation of what's going to put you in a better position, and then you can decide what you would like to do. That way you have more info. That's okay. Yeah. Yeah. Yeah. Yeah. Yeah. No. And I and I and I completed and I completely I wanna hear everything, and I do I am here for you at the end of the day. And I don't get paid a percentage for anything. I just get paid a salary, and that's it. Whether you stay on as a client or not, it doesn't change anything for me. My job is to help you at the end of the day and whatever that makes. So I don't get paid a percentage. I'm not incentivized. I don't get any commissions whatsoever if you stay on or not. I'm just here to try to help you at the end of the day. But in terms of my salary, it doesn't, like, it doesn't impact. Like, I don't get commissions if you sign on or anything like that. So yeah. No. Not at all. I'm I'm literally here, and I I don't feel good. That fact that you've had this experience and you don't have the trust, that's not what we're here to do. We are here, all of us, to help you at the end of the day, and trust is a massive thing for us, and that's what we want to do. And if you have lost that trust, then that doesn't make me feel good because that's what I want to do for you at the end of the day. Yeah. Yes. Yes. Yes. Yes. Yes. No. No. No. We we're still we're still doing that. Sorry. I do wanna just quickly go back to the fee just to make sure you do understand. So at the moment, you are not paying any fee. It is only if you decide that you would like to stay on. And I do want to reconfirm with you that it is not a yearly fee. It is a monthly fee that is deducted for you, and it is it is 1.1 per percent of your super balance. Yeah. And I will write Mhmm. Yes. Yes. Yep. Yep. Yes. Last twelve months. Yeah. I actually just have done that for you. So I have just done that. Yes. But what I will do anyway mhmm. Yep. And I and I get that. Sorry. No. No. I will not get you to sign anything until you've seen the documents, and then you are happy with it. No. I will not get you to sign anything before because I wouldn't sign anything myself if I haven't been told information. So What's happening? Yeah. So I have to send you that. We'll be happy to go through, but what I'm also happy to do is make a note on the account for you because at the moment, sorry, we can do these catch ups however frequent or infrequent you would like. Now at the moment, I have you down here as once per year for an annual review. Some people are more than happy with that. They don't wanna hear from us more than that. If they have any questions, they'll give me a call. I have also many clients who want six months to catch up. I have many clients who want quarterly catch up. At the end of the day, it's whatever you want. So if you would like a bit more frequent Mhmm. Mhmm. Okay. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yeah. See you. Yeah. And I get that. So I I will include in the research note what options would you like me to consider. You mentioned host plus. Is there someone okay. Okay. So you're happy for me. I'll just yeah. Because normally, we we assess everything. Yeah. And no. So we definitely do that research, but sometimes I do have clients who specifically wants me to consider something as well. Okay. So I'll just consider everything for you and make a recommendation. That is no problem. Now, Shannon, do you have access to your emails? And I will show you the performance and super balance. Yep. So we recently had changed the software, so it might look a little bit different to last time. Now the good thing with how it is structured now is that you don't have to click on the link where it says sign out. That is to sign the ongoing service agreement, and I can leave that for now and include it in the proposal for you when you have all the information. That's okay. Now in the email, can you see before you click on the link, can you see a couple of attachments at the bottom of the email? Yes. So what can you see first? And we'll just do it in the way that you can see them. Yes. Yep. Perfect. Mhmm. Okay. Perfect. So the bottom two, I or the first two, I will get you to have a read over in your own time just so I don't take up too much of your time this morning, which is your overview financial services guide version four and version one. Now these two documents is just a compliance form. It gives you all the important information in regards to us, though, there for you. When you do go and have a look at it, you would have seen this a couple of times before. We've had a bit of an extension to the team, so you will actually see if you do go in and have a look at it. You will see a photo of myself there. You'll also see a photo of Larissa who you've spoken to before as well as the rest of the the advisers. That's all in there for you. Now the next one, which is your super insurance summary, could you open that one for me? Yep. And let me know when that one you can see that. Okay? Yep. So this one shows you your current situation. So it shows you your hub 24. And at the moment, you do have $85,496 in there. Now underneath that, it shows you your insurances. So at the moment, you have insurance with MLC. Now you have life and total permanent disability. And at the moment, you are covered for 871,526. Now just looking at those two covers, are you happy with the level of cover you have for life and TPD? Yep. Okay. Yeah. Bit of extra. Yeah. Perfect. Yeah. Yep. Yep. Yep. Okay. About three hundred fifty. Okay. Yes. So with those two plus your income protection, which you have here, is the total premium is 2,302. Now this comes out of your superannuation, so it's not something you pay for out of pocket. So if we correct. It is coming out of your system. Correct. So what I can do, if you feel like they are too much, what I can do is when I do the research and put the proposal together, I can get an alteration quote to show you with if you feel like having enough to just cover the mortgage, so the $3.50 or 400, whatever you are comfortable with, I can get a price for you to show you. Yes. Correct. So for all three, you are paying 2,302. Now income protection is typically the most expensive as well out of those three. So we can. Now I do wanna I'll I can I'll put their proposal in there. Sorry. I can't cancel it without the proposal for you first, but I will conclude it, and we'll do it in a very short amount of time for you to cancel income protection. The only thing I do wanna let you know is that if we cancel income protection, obviously, and you decide to do you have any plans of going back to work, or what kind of your employment situation? Yep. Yeah. And often because I think you spoke to my colleague, Kyle, I believe, last time. Okay. Because we can we can definitely cancel that income protection for you. That is no problem if you if you don't want it. I do wanna just let you know that we we can most definitely go and cancel it for you. And the only thing to be mindful of or that I want you to be mindful of is that if you do decide to go back to work, let's say, in a year or six months or whenever you want to, if you then want to look at an income protection policy again, they would have to do your full assessment. So they would assess, you know, health, lifestyle, work. And if there is anything that has changed, you might not be able to get one. So as long as you are understanding of that, we can still go ahead and cancel it for you. Yep. Okay. Beautiful. Yes. Yep. We can cancel that, which will reduce the premium quite a bit. Now for life and TPD, would you like me to look at reducing it to just cover the mortgage as well for you? Correct. Yeah. Not necessarily. It will make it a lot cheaper, but not necessarily because most most of the insurers as well, they do like multi policy discounts. So, basically, every two fifty block, there's a discount. So let's say if we were to do four four like, you do have two fifty and 500. So let's say if you were looking at four fifty, sometimes it's better off 500 because there's more value, for example. But if you feel like canceling income protection will make a big difference in premium. If you still feel like life and TIP is too high and you kind of just wanna cover mortgage with a little bit of extra, I can get a quote for 500 for you if you want. And I can also assess just 3 because you said your mortgage is $3.50. Is that correct? Correct. And do you have any other debts? Do you still have the land as well? No. Okay. No other debts otherwise. Just that. Okay. 350. Okay. Would you like me to look at decreasing it to $3.50, or do you feel like mhmm. Okay. Perfect. Mhmm. Oh, beautiful. Perfect. So what would you like in terms of TPD and life? Do you feel like mortgage is sufficient, or would you wanna have a bit of extra if something were to happen? Okay. Okay. Mhmm. Yes. What I can do for you is I Mhmm. Yeah. Yes. And that's another question. And TPD is one of those that is that is the hardest to claim on. They can also have the biggest financial impact. So, basically, with TPD is that you need to have two doctors to sign off on the fact that you are unable to go back to any work that you are qualified to do. So even though you're not working right now, that's okay. But if you if something were to happen to you and you cannot go back to work. Now, obviously, what that looks like depends on, obviously, what you were working with before and what you are qualified to do. So, for example, if you have a high risk occupation or minus or truck drivers, if something were to happen and they, for example, let's say, can't walk, they probably can't do their job. But if you are in an off space role, you might be able to still do it. So it is also dependent on your qualification. So it is one that is harder to claim on, but it can also have a massive financial impact because if something were to happen and, yes, I know you're not working right now, but if you ever wanted to go back, that could have a big financial impact because then you're not gonna have any any income until, you know. So Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Mhmm. So this will be more sorry for you. Yes. Mhmm. Mhmm. Yes. Mhmm. Okay. Yes. Like, more like Parkinson's or Alzheimer's or something like those. Yeah. So what I can do mhmm. Mhmm. So for the time being, would you like me to get quotes anyway? So we'll cancel the IP for you. Do you wanna cancel TPD as well, or would you happy for me first to get quotes for $3.50 and 600? And then you can see what are the premium Yes. Because you were work yeah. You were working at the time when we applied for the cover, and it's just to say that you cannot go back to work. Yep. Yeah. It's only if you it's you you more have trauma cover in those instances. If you have, let's say, breast cancer and it develops badly and you can never a doctor deems that you are never able to go back to work again, TPD. So it depends on but then often, we have clients where like, I have quite a few clients who have had breast cancer that is in remission, and they are working now. So it also and then you're not gonna get TPD. The same with heart attack. If you have a really, really bad heart attack and like, stroke or something like that and that impacts your ability to ever go back to work again, you will be paid out. But if you have a heart attack, take some time off, and then you are fit to go back to work after a while, you're not gonna get TPD. Does that make sense? Yeah. Yes. But CPD and life is a lot cheaper than your income protection. Income protection is the cost the most. So what I can do first for you so you at least can see it and think about it is that we'll cancel IP, and I can get quotes for $605.03 50 for you as a starting point. That way you have the information, and I can also get an alternative for you if you only wanted to have life. And then that way, you have all the quotes and all the options, and then you can see what you would like to do. It might even actually tell you on the so in the document, if we go back into that email, you should have a MLC COC. So MLC certificate of currency. Now this typically breaks down all of the insurances in more detail. Sometimes it tells you just a combined value, but sometimes it shows you the, yes, the breakdown. So here you can actually see yes. So you can so you can actually see here that your life cover is 600 and so I am on page two. If you wanna scroll down to page two, you can see your life cover. You can see your TPD cover, and you can see your income protection. Yes. Yep. So that so the waiting period would be if so on the income protection, the waiting period means that you need to be off work and have to wait the thirty days before you get the policy paid out. Yep. No. That's okay. Yeah. Yeah. Yeah. No. I get you. Mhmm. Okay. So for so for the the other so I can, obviously, I can either hold off until you've spoken to him and you can send me an email what you wanna do. Or if you would like me to continue putting the research together for you, obviously, your superannuation, show you the comparison, and cancel IP, I can put a proposal together for cancel IP and all your super investments. Leave life and TPD for now, and then we can if you wanna make any further changes to TPD in life, we can then do that. But then at least the others aren't just being, like, put on pause. Would you want that? Yep. Okay. Great. Perfect. Otherwise, if we go back to your email, you should then have the one where it says twelve month hub IRR. Now this is the one that shows you how your portfolio has performed and everything in the last twelve months. So let me know when you can open that one. Yep. Perfect. Now sometimes it does look a little bit messy because it shows you all your individual investments, how they have performed, and what has happened in the last twelve months. Now you've touched on as well that in the last twelve months, we have seen a bit of fluctuations in the market and in the world, and we do have you invest in a high growth portfolio. So in the last twelve months now this, the one where it says internal rate of return, I'm sorry, the second column to the right shows you your yes. That shows you everything after fees. So that is after adviser fees, admin fees, everything. So even though it has been a turbulent last twelve months, after fees, it's still gone up by more than 1%. Still about that 2.62. Now if you go up to the first page, it can then show you all your individual investments. So the one that has a bracket next to it are the one that's down. All the rest are positive. So you can see here that the Benelon Australian equity is underperforming a little bit at the moment, and I think that was probably the one that my colleague mentioned to you. And I would like to look at potentially changing, but I wanna do all the research as well first for you. And then you can see all your other investments. So you can see that some has done crazy. Like, you can see the battery, tech, and lithium, that's at 85%. This one is one that is a little bit more fluctuating. It is more of your speculative investments, but, obviously, at the moment with the fuel prices and electric vehicles, that one has come through the roof. Does it all make sense so far? No. That's okay. So part of the proposal I will put together is to review this more in-depth as well to see if we want to make changes, if now is the best time, and also if there's going to be any tax consequences by doing it. So I wanna factor everything in, and if so, show you the changes in fees and performance and returns and everything like that. Now with your investments, because you are in a high growth portfolio at the moment, what I would like to do is just run through a couple of questions with you. It's multiple choice. There's no right or wrong answer. It's just to see if we should change it or if you're still comfortable with the level of risk. So if you don't mind, it's just a couple of multiple choice. If it doesn't make sense, just let me know. Okay? But it's all multiple choice. Now, Shannon, have you ever bought direct shares yourself? Have you bought on the stock market into nope. And at the moment, when do you think you would like to access your super? Do you want to add 60 when you can if you're not working? Do you think you'd wanna wait to, like, 65? Or you have any idea when a time frame of when you wanna start drawing an income from your superannuation? So 60? For now anyway. Yep. Perfect. Yes. Yeah. Sounds a bit miserable. Yeah. Yeah. Yeah. And and you have that choice. So with the current legislation, you can access if you are not working, you can access all of your superannuation completely tax free at the age of 60. The 60 seven is if you are, yeah, eligible for age pension. If you are working, there is you can access some super up to 10% under a transition to retirement between 60 and 65. But if you are not working, you can take the whole lump sum out if you want to at 60 tax free. Yep. And and you definitely have that option. Like, let's see. You can do whatever you want. Often, I would just kind of air of caution that that if you're pretty pretty sat with you and your husband and you have a bit of a plan, that's good. The only way I would sometimes, you know, flag it with clients is if they have a lot of debts, for example, and they wanna take everything out, put it all, and pay out all the debt, and then they have nothing. And then they don't have eight pension until 67. And then I'm like, well, you need to make sure that you can support yourself financially until 60 seven. Yeah. Yeah. Yeah. And if that works, you have you have that option at 60. As soon as you turn 60, you can take everything tax free, and then you can do whatever you want. Doesn't sound too bad. Yeah. It'll be Yeah. Alright, Pam. Perfect. No. Yeah. Yeah. That's horrible. Yeah. And that's also typically what we we typically see that, obviously, the closer you get to wanting to take out your money, you might wanna start reducing that risk exposure because you don't have as much time for those fluctuations. So right now, thinking about your super, how much risk would you say that you're willing to take? High risk, very high, moderate? Okay. And at times, that's going to be the case depending on what's happening in the market. So with your high risk, high growth, risk profile, you are going to have certain years with going to be down. Other years are going to be really good. So you will have a lot more of those fluctuations. So if we look at, you say, your balance growth are more defensive, other times, especially when there's a lot of fluctuations in the market, especially, you know, the last twelve months where there's been a bit of ups and downs, some defensive are doing really well. But over other years, not so good. So high growth is your your long term. So when we are looking at it, we are looking over a longer period of time to assess it. Because during so it is very hard to say depending on, obviously, what is happening in the world and the market. But typically speaking, in a high growth portfolio, you're going to have, I think it's about one in five years or down, the rest predicted, again, depending on what is happening. The rest are going to be positive. You want long term that those evens out. So overall, even though on a short term basis, you're going to see more fluctuations than if you are in a more defensive investment. But overall, over a longer period of time, you're wanting to be better off. Because, otherwise, what's the point taking on the the short term risk if you're not getting that? So part of the research, I wanna look at your thematic investments as well to see if you are taking risk with some investment that's not needed and if we needed to change it. So I will kind of deep dive into the investment. But in terms of the allocation on how much goes in what sector is what these questions kind of determine for you. Because at the moment in a high growth portfolio, we see 90%. Now, actually, if you want to go back to your emails, because sometimes this makes it a bit easier, if you wanna open that Vanguard index chart for me. That's okay. So so like, what yeah. So s and p five hundred, just to give you one example. Yes. Yep. A little bit more they have a lot of different portfolios. Yeah. What's in them? Yeah. So what what I'll do as well is when I do because I do wanna, like I said, go a bit more into the investments for you and see if we need to make changes. The ones that I will recommend, I will include investment links for them as well. So I'll go and expect when I do if I do recommend changes, I will go through them in a little bit more in-depth with you to give you a bit of an overview of what is in it, a couple of examples. But then, also, I will give you so you can read when you have a moment on everything because some of them have hundreds of different options in there. Some has a lot less. So I will include all the research material as well for you so that you can click an ECC if you wanted to have a bit more in-depth of what is actually in it before you then decide what you would like to do. No. That's okay. I'm sorry, Shannon. When it comes through yeah. At the moment, thinking about risk, did you say you are more towards your still high growth you're comfortable with when we are just talking about it from a back end point of view? Okay. The right ones. Yes. Mhmm. Yeah. Mhmm. Yeah. Yeah. Mhmm. Mhmm. Okay. Yep. No. That's totally messed up. Yeah. Yes. Mhmm. Yes. Oh, that's why you have us to help you with as well. And that's also why you have okay. Mhmm. Yep. Let's invest in crypto. Well, let's not. Yeah. Yeah. No. No. No neither. Okay. Good. No. That makes sense. So We are comfortable. Yeah. We are comfortable with high growth, but it's reviewing the type of high growth investments and making sure that they are sound investments. Yeah. Yes. Yes. Yes. No. I will not. We don't. No. We we don't include because it's way too speculative, and there's there's there's not there's not even an underlying asset behind it. So how do you even pull that? Yeah. How do you even pull value? No. No. Yes. No. And that is the last thing we wanna do with your retirement. So no. Definitely makes sense. Alright. Perfect. So I will reassess your high growth and look at it. So while I am looking at different options for you, I do wanted to check one thing with you because we have re I don't know if you've read our newsletter, so if it is something you read every now and then. No. That's fine. Oh, Okay. Communication? Yes. Okay. Your email hasn't changed. Okay. Yeah. So it's s h a n k e, yes, @hotmail.com. Alright. I will check with IT. Let me see. Well, yes. So it say Oakview newsletter, and it is comes out once a month, typically. And if you are obviously receiving emails from us, otherwise, it should not go to spam. Sometimes it goes to spam, but yeah. Mhmm. Yeah. Okay. That's strange. Okay. Weird. I will yes. See if you can Yes. And I will also just check with IT if there's a bug or something because you should be receiving them. But, yeah, flag it as not spam so you do get them, but I will also follow-up with IT to see if there's, like, a a bug or something why you're not receiving them. No. That's okay. But with the the newsletter, what I was going to say is that we the latest one, if you would have to receive it, it does talk about that we have recently teamed up with BlackRock. Have you heard of them before? Yes. So we have recently teamed up with them and created an SMA with them, so a self managed account with them. Have you ever heard of an SMA? So not a self managed super fund, an SMA. Have you ever heard of that structure before? No. So what an SMA is, it is a self managed account. So it can still very much look similar to how you have 24 set up where you do have a heap of different investment that you are invested in. The the positive thing with the SMA is that how it's set up, it will allow us a little bit more flexibility in making changes for you quickly. So, for example, in a model portfolio, which is how it is now, if we foresee that there is, let's say, Benelon, for example, slightly underperforming and we wanna make a change from a compliance point as well, we will obviously do research regardless. We would put a proposal together for you. We would have to book it in time with you, present the changes. You would have to sign off on the changes before we can go and make the change. So it does mean that sometimes it can take a little bit longer. And as you would know, sometimes with investments, you do wanna make choices quickly if there are going things can happen quickly. So with the SMA, how it is differently is that you would be invested in a portfolio. So let's just call it a high growth portfolio. Now within that portfolio, you still have a range of different investments similar to what you would have now in terms of how many options and stuff like that. But what it allows us to do is that because you were just invested in, let's say, Oakview high growth portfolio, we can then go and make quick changes for you in the back end if we just see that is is better off making a change. We don't have to go through that whole SOA booking presenting it through you. We can just go ahead and make the change and let you know afterwards what we have made. So it does make it a bit more streamlined and quicker to make the changes. The only thing would be that it would be less oversight on your end in that way because you wouldn't have to sign off for the change before we make it. You'd still get notified of it. We would just make it a bit more proactive in the back end. So it is a different way of setting it up. And because we have joined with BlackRock on it, we're obviously using all of their investment team as well as our internal investment team to kind of build and create these different portfolios, and we get access to all of their kind of risk management software as well. Is that approach something you are are you referring through? Nope. That's okay. No. That's okay. Mhmm. Yes. Mhmm. Mhmm. The compliance. Yep. Mhmm. Yep. Yes. That is a 100% correct. Yes. So what I will do is I will factor it in my research. Now if I've researched the SMA and the SMA turns out to be you have to pay a lot of tax and it's not performing as well or fees, then I'm not gonna recommend it. But if I do the research and it shows off that, well, it's actually a very competitive option and it is putting you in a better position than other options, then I will consider it. What I can also do is I can send you an email just so if you wanted to read off on a little bit between now and our next call about the SMA. So I can send you, like, a bit of a brochure and some information, just some general information in regards to the SMA so that you can have a read over it. If I do decide to recommend it, I will have everything in the proposal anyway. So it will be, like, a full extended version of everything if it turns out to be the best option for you. Yep. Yes. Yes. Left. Yep. Mhmm. Mhmm. And and I get that. Yes. Yes. What's yes. And and I yes. Yes. Yes. Yep. No. No. I get it. Yeah. And and that's the yes. No. That's fine. I get what you I get. Most most of the time, people don't. Most I I completely I completely get it because most of the clients I speak with don't. People don't work in finance. So it's no. It is it is fine, and I get it. And, yeah, the good thing is with the SMA, because we are working with Blackhawk, we obviously have an extensive backup of all of their research and expertise and everything as well, which is great. So so I will look at it. I will still send you an email with the the research, just just general about the estimate so you can have a read of a read over it. Mhmm. No. That's okay. So what I'll the last thing I'll just quickly run through there, Shannon, is just to see if there's anything else major that has changed that I need to factor in when I do put this proposal together. So let me see here. You obviously, you're still married. Still have two financial dependents? Yep. That's beautiful. Obviously, off work, we've already touched on that. Property, I've already changed the mortgage. Now how much is your property valued at the moment? 1.6. Oh, wow. That's nice. I had a one point two here. Sorry. Did you say 1.7 or 1 6? Mhmm. Yep. Mhmm. Mhmm. Okay. Yep. Okay. Okay. Oh, nice. So probably about one six at least. Yeah. Yeah. Perfect. Other assets, do you have a motor vehicle caravan? Mhmm. Yep. Unfuly paid off. And caravan? Yep. Okay. Perfect. Any other assets? Savings, offset, boats, motorbikes? Yep. Mhmm. Okay. Perfect. Sorry. I'll just have the the property, the two car, and then the boat did you say 15 and a half thousand? Five. Okay. K. Okay. Just one thousand five 100. Okay. No worries. Anything else? No. Okay. Yeah. No. That sounds lovely. Yeah. Yep. No. I'm with you there. Sometimes you can very much overdo it, and then you just need to get rid of it. Yes. Now health and lifestyle, I have you done there as a nonsmoker. No, you know, significant health issues or injuries or medications. Beautiful. Estate planning. Do you guys have a will in place or anything like that? Okay. On the to do list. Yep. Do you have someone that you know or that you can go to, or would you like me to include, like, a brochure of one of the firms we work closely with as, like, pricing and stuff? Yep. Yeah. Perfect. I'll include it. That way, you have it in your inbox. You can ignore it if you want, but it's there. It's there. No. That's okay. Other goals that you kind of were working towards in the next twelve months, paying off the mortgage I have here, and do some renovations to the home. Is that still something that you guys are? Okay. Perfect. Okay. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, wow. Yeah. Oh, no. That's good. Especially if you have those skills or learn the skills to do it. You know? Yes. Yeah. Yeah. And I think that's my problem that I'm just like, oh, not the time or the tools, and that's it. Yeah. Yeah. Yeah. I can imagine. And a goodwill. Yeah. Perfect. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. That that makes sense, and that's good. And I'll keep that in mind. Now, Shannon, I like I said, I won't get you to sign the OSA now. I'm happy to just leave it because, obviously, do the proposal fast and then see how you feel. Now it will take me about, let me see here, typically about a week or so to put it all together. Now because I'm doing let me have a look here. Next week, I'm pretty fully booked. The following week, Monday, the first to the fourth. Do you have any availability? Okay. Perfect. Now let me yeah. Which is great because usually after hours fills up the fastest. So school hours, I love it. Sorry. Let me have a look here. Sorry. Monday, I could do I could do 01:30 my time, which would be 11:30 your time. Would that work? Yeah. Okay. So I will book that in on Monday, June 1 at 11:30AM your time. Now would you like a reminder text sent, like, two hours before the appointment if anything does come up and you can't make it? Yeah. No worries. If anything does change, though, like I said, you can't make it or need to reschedule, just let me know, and I'll see if I can shuffle a few things around for you. But otherwise okay. Perfect. Otherwise, I will give you a call on Monday, June 1 at 11:30AM your time, and I'll go through the proposal of potentially estimated at best, checking on your investments a little bit more, and then also the income protection and get all of that sorted for you. And then we can take it from there. No worries. Do you have any other questions for me, or that's all good for now? No? Okay. Yeah. Yeah. Yes. Well, sir, if there's anything you need in the meantime, Shannon, don't hesitate to give me a call or send me an email. Okay? Okay. No worries. Well, thanks again. 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Equity Financial. Good morning. Is this Shannon? This is Veronica from Xfinity Financial. How are you?\n\nYeah. I'm good. Thanks. I had you booked in this morning for a bit of a catch up and to go through your annual review. Is now still a good time for you?\n\nPerfect. That is all good. Now I know as well that you have spoken to my colleague, Larissa, before. And I think from the last conversation, you were kind of wanting to hold off a little bit until she sorted out advice for Craig from memory. Does that ring a bell?\n\nYeah. Yep. Yes. No. That is all good.\n\nThat is all good. And now before I do go any fur further, Shannon, I do need to let you know that the calls are being recorded for quality and coaching purposes. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could I get you to confirm just your full name, date of birth, and address, please? Yeah.\n\nPerfect. You got your birthday coming up soon. Do you have anything planned? Lovely. Recovering still?\n\nOh, no. Yeah. Yeah. Yeah. Yeah.\n\nAnd sometimes that's it. So, like, a lot is happening, and we can always you know, I totally understand that too, that there are periods of time where it just thinks a bit crazy. We can always push it out and stuff. We can obviously work with work with that. That is no problem.\n\nNo. That's all good. Now what I will do first with you there, Shannon, is just to run through a bit of a updated fact find just to see if there is yeah. So I will just run through a bit of an updated fact find with you. Basically, yeah, just running through your information to see if there's anything major that has changed and if we do need to make any changes to your advice at all.\n\nSo just kind of bear with me. No. That's okay. So it might be good for us to do a bit of an updated strategy for you just to see where things are at anyway. Good to do, especially it's been some time.\n\nYes. You are. So let me we'll go through everything. And then I think what we should do, especially with if you're not working, obviously, and because it's obviously been a bit with the market the last twelve months, I think it is good for me to go and do do a bit of an updated strategy for you after today. It will take me about a week or two to put it all together, and it is a good just kind of touching point to see, okay.\n\nWell, do we wanna make any changes to investment depending what's happening? And, also, everything else, touch base with insurances and see what you wanna do so we can of course. Yeah. Yes. Yeah.\n\nYes. Yeah. Yes. Yes. It definitely has.\n\nYeah. Yes. Yes. Yeah. Yeah.\n\nAnd it is good that you do have that understanding as well. That is really good, and it it is very true. And there are obviously, you can never predict what's going to happen with the market, but when we do look at historically as well, like you said as well, long term market always goes up. Short term, there will be some ups and downs and market fluctuations. And if it is a bit of a downtime at the moment, you might not want to change investments or you might not want to change everything.\n\nSo stay. Yes. Yes. Exactly. Yes.\n\nYes. Mhmm. Yep. Yes. Yep.\n\nYes. Yeah. Yes. No. I do.\n\nI do hear you. Yeah. Yeah. So well, I and it is very valid points as well. And some of it, it is definitely true where you do wanna hold off and wait for that to come back around, especially if it's more like your cyclical investments that we do see kind of coming back around.\n\nSo if we because exactly. So we do, obviously, research on all the investments all the time, and we wanna make sure that we do have in the best options at all times. And there are going to be times where investments have potentially underperformed a little bit, and then we have to assess, okay. Well, do we want to sell it when it's down? Do we foresee it coming back around or not?\n\nSo part of the research I will go and do today, which actually, do you have access to your emails at the moment, Shannon? Okay. So what we can start with is I have to send you an email with some documents. And if you could have a look at them for me, we can start there. Up front.\n\nYep. Yes. Okay. Yeah. Yeah.\n\nAnd I I get that. And yeah. And I completely hit yeah. Mhmm. Seeing the value.\n\nAnd it is fair. And with the with the fees as well. Sorry. With the the the upfront fee that you paid, that was that one off fee. That is correct.\n\nNow you will never be charged that again. The upfront fee was just to come on board to implement everything. Now there is an ongoing advice fee, which you touched on as well. That is correct, And that is a percentage of your balance. Now, typically, that is Yeah.\n\nI want to see the value. And and yeah. And that is totally fair. So what I what I'm more than happy to do for you, Shannon It's communication. Yeah.\n\nAnd I do apologize that you've run on hold with that. You've been a bit yep. I get I get that. Yeah. Yeah.\n\nAnd I get that. And, you know, my job is to help you at the end of the day, help you make the decisions that's best for you, and help you for your super and your retirement. And, obviously, I do apologize that you weren't told that Alan left at the time. That's not you know, that is something you should have been told. And the only thing I can do moving forward is making sure you do get that communication, and I will try my best.\n\nSorry. I am one of the advisers here, and what what we used to do is have a bit more of a kind of like a floating thing. So all the clients were kind of everyone was working on collectively, and it also meant that someone was always available. So what we've recently changed through as well is where you do kind of have one dedicated adviser that you work with as long as you're obviously happy to do so, and that would also smooth out that communication where you only deal with one person moving forward. That person is completely across your situation and and everything for you.\n\nAnd if you have any questions or anything else, you can just come directly to myself. So that kind of takes away all of that. And then, also, I can make sure that if I tell you that I'm going to do something, then I can make sure that that will happen, and I have a dedicated admin assistant as well to help me with everything. So I can kind of liaise with them a bit more in that aspect of making sure that you do get that communication. And what I would be more than happy to do, Shannon, is I'll happy to go and do the research for you first, especially don't you deciding anything if you're not happy.\n\nAnd then after I've done all of that, you can obviously assess how you are feeling. Now with the advice fee, I do wanna let you know. So with the ongoing advice fee, it is not a yearly fee. So we normally show you the yearly fee, but it is deducted on a monthly basis. So what that also gives you is the flexibility.\n\nSo it's not like you pay a one off fee once a year, and that's it. It comes out on a monthly basis for you. So even if you were to go, yeah. To do. Yeah.\n\nAnd so at the moment, your fees are off. So right now, you're not paying anything. So it's only if you are happy to Yeah. Yeah. Yeah.\n\nYep. Yeah. Yep. High growth? Yeah.\n\nYep. Just having Yeah. That's fine. No. That's fine.\n\nThat's fine. I get it. Yeah. Yeah. And that's the absolute last thing I want.\n\nYeah. Yeah. Yeah. And and and I get that, and I do really appreciate your honesty as well. So I can have a look here for you.\n\nSo yes. Of course. So and that is the absolute last thing we want. That is the opposite of what I'm trying to achieve for you. That is the opposite, and I don't want that.\n\nSo so what yeah. So what what I can do for you, Shannon, as well is that I will review all your investments in detail for you, review if there is any that is kind of what we touched on a bit more cyclical where is better off holding off or if there is any that is underperforming and we do wanna make a change. And what I will also do is I can so to make it easier for you as well is that I can include a comparison of other options. So if you so who who was the other funds that you were looking? Because at the end of the day, there is absolutely nothing holding us to Hub twenty four or any super funds.\n\nI will recommend whatever is going to be best for you. And if the best thing when I do the research for you is that you will be better off going through host class or Australian Super, wherever it might be, then I will let you know. That is my duty to you and what I am I have to do. So if I do research and I show you that what you are currently doing is worse off, then I'm not gonna recommend that for you at the end of the day. So I'll be more than happy to include comparison and showing you, obviously, what if you do go to an industry fund like host plus, then you don't have adviser fees, what are returns looking at, what are all the fees, and then give you that kind of, like, comparison so that you can then make up your mind if you feel like whatever is I'll make a recommendation of what's going to put you in a better position, and then you can decide what you would like to do.\n\nThat way you have more info. That's okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. And I and I and I completed and I completely I wanna hear everything, and I do I am here for you at the end of the day. And I don't get paid a percentage for anything.\n\nI just get paid a salary, and that's it. Whether you stay on as a client or not, it doesn't change anything for me. My job is to help you at the end of the day and whatever that makes. So I don't get paid a percentage. I'm not incentivized.\n\nI don't get any commissions whatsoever if you stay on or not. I'm just here to try to help you at the end of the day. But in terms of my salary, it doesn't, like, it doesn't impact. Like, I don't get commissions if you sign on or anything like that. So yeah.\n\nNo. Not at all. I'm I'm literally here, and I I don't feel good. That fact that you've had this experience and you don't have the trust, that's not what we're here to do. We are here, all of us, to help you at the end of the day, and trust is a massive thing for us, and that's what we want to do.\n\nAnd if you have lost that trust, then that doesn't make me feel good because that's what I want to do for you at the end of the day. Yeah. Yes. Yes. Yes.\n\nYes. Yes. No. No. No.\n\nWe we're still we're still doing that. Sorry. I do wanna just quickly go back to the fee just to make sure you do understand. So at the moment, you are not paying any fee. It is only if you decide that you would like to stay on.\n\nAnd I do want to reconfirm with you that it is not a yearly fee. It is a monthly fee that is deducted for you, and it is it is 1.1 per percent of your super balance. Yeah. And I will write Mhmm. Yes.\n\nYes. Yep. Yep. Yes. Last twelve months.\n\nYeah. I actually just have done that for you. So I have just done that. Yes. But what I will do anyway mhmm.\n\nYep. And I and I get that. Sorry. No. No.\n\nI will not get you to sign anything until you've seen the documents, and then you are happy with it. No. I will not get you to sign anything before because I wouldn't sign anything myself if I haven't been told information. So What's happening? Yeah.\n\nSo I have to send you that. We'll be happy to go through, but what I'm also happy to do is make a note on the account for you because at the moment, sorry, we can do these catch ups however frequent or infrequent you would like. Now at the moment, I have you down here as once per year for an annual review. Some people are more than happy with that. They don't wanna hear from us more than that.\n\nIf they have any questions, they'll give me a call. I have also many clients who want six months to catch up. I have many clients who want quarterly catch up. At the end of the day, it's whatever you want. So if you would like a bit more frequent Mhmm.\n\nMhmm. Okay. Mhmm. Mhmm. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Yeah. See you.\n\nYeah. And I get that. So I I will include in the research note what options would you like me to consider. You mentioned host plus. Is there someone okay.\n\nOkay. So you're happy for me. I'll just yeah. Because normally, we we assess everything. Yeah.\n\nAnd no. So we definitely do that research, but sometimes I do have clients who specifically wants me to consider something as well. Okay. So I'll just consider everything for you and make a recommendation. That is no problem.\n\nNow, Shannon, do you have access to your emails? And I will show you the performance and super balance. Yep. So we recently had changed the software, so it might look a little bit different to last time. Now the good thing with how it is structured now is that you don't have to click on the link where it says sign out.\n\nThat is to sign the ongoing service agreement, and I can leave that for now and include it in the proposal for you when you have all the information. That's okay. Now in the email, can you see before you click on the link, can you see a couple of attachments at the bottom of the email? Yes. So what can you see first?\n\nAnd we'll just do it in the way that you can see them. Yes. Yep. Perfect. Mhmm.\n\nOkay. Perfect. So the bottom two, I or the first two, I will get you to have a read over in your own time just so I don't take up too much of your time this morning, which is your overview financial services guide version four and version one. Now these two documents is just a compliance form. It gives you all the important information in regards to us, though, there for you.\n\nWhen you do go and have a look at it, you would have seen this a couple of times before. We've had a bit of an extension to the team, so you will actually see if you do go in and have a look at it. You will see a photo of myself there. You'll also see a photo of Larissa who you've spoken to before as well as the rest of the the advisers. That's all in there for you.\n\nNow the next one, which is your super insurance summary, could you open that one for me? Yep. And let me know when that one you can see that. Okay? Yep.\n\nSo this one shows you your current situation. So it shows you your hub 24. And at the moment, you do have $85,496 in there. Now underneath that, it shows you your insurances. So at the moment, you have insurance with MLC.\n\nNow you have life and total permanent disability. And at the moment, you are covered for 871,526. Now just looking at those two covers, are you happy with the level of cover you have for life and TPD? Yep. Okay.\n\nYeah. Bit of extra. Yeah. Perfect. Yeah.\n\nYep. Yep. Yep. Okay. About three hundred fifty.\n\nOkay. Yes. So with those two plus your income protection, which you have here, is the total premium is 2,302. Now this comes out of your superannuation, so it's not something you pay for out of pocket. So if we correct.\n\nIt is coming out of your system. Correct. So what I can do, if you feel like they are too much, what I can do is when I do the research and put the proposal together, I can get an alteration quote to show you with if you feel like having enough to just cover the mortgage, so the $3.50 or 400, whatever you are comfortable with, I can get a price for you to show you. Yes. Correct.\n\nSo for all three, you are paying 2,302. Now income protection is typically the most expensive as well out of those three. So we can. Now I do wanna I'll I can I'll put their proposal in there. Sorry.\n\nI can't cancel it without the proposal for you first, but I will conclude it, and we'll do it in a very short amount of time for you to cancel income protection. The only thing I do wanna let you know is that if we cancel income protection, obviously, and you decide to do you have any plans of going back to work, or what kind of your employment situation? Yep. Yeah. And often because I think you spoke to my colleague, Kyle, I believe, last time.\n\nOkay. Because we can we can definitely cancel that income protection for you. That is no problem if you if you don't want it. I do wanna just let you know that we we can most definitely go and cancel it for you. And the only thing to be mindful of or that I want you to be mindful of is that if you do decide to go back to work, let's say, in a year or six months or whenever you want to, if you then want to look at an income protection policy again, they would have to do your full assessment.\n\nSo they would assess, you know, health, lifestyle, work. And if there is anything that has changed, you might not be able to get one. So as long as you are understanding of that, we can still go ahead and cancel it for you. Yep. Okay.\n\nBeautiful. Yes. Yep. We can cancel that, which will reduce the premium quite a bit. Now for life and TPD, would you like me to look at reducing it to just cover the mortgage as well for you?\n\nCorrect. Yeah. Not necessarily. It will make it a lot cheaper, but not necessarily because most most of the insurers as well, they do like multi policy discounts. So, basically, every two fifty block, there's a discount.\n\nSo let's say if we were to do four four like, you do have two fifty and 500. So let's say if you were looking at four fifty, sometimes it's better off 500 because there's more value, for example. But if you feel like canceling income protection will make a big difference in premium. If you still feel like life and TIP is too high and you kind of just wanna cover mortgage with a little bit of extra, I can get a quote for 500 for you if you want. And I can also assess just 3 because you said your mortgage is $3.50.\n\nIs that correct? Correct. And do you have any other debts? Do you still have the land as well? No.\n\nOkay. No other debts otherwise. Just that. Okay. 350.\n\nOkay. Would you like me to look at decreasing it to $3.50, or do you feel like mhmm. Okay. Perfect. Mhmm.\n\nOh, beautiful. Perfect. So what would you like in terms of TPD and life? Do you feel like mortgage is sufficient, or would you wanna have a bit of extra if something were to happen? Okay.\n\nOkay. Mhmm. Yes. What I can do for you is I Mhmm. Yeah.\n\nYes. And that's another question. And TPD is one of those that is that is the hardest to claim on. They can also have the biggest financial impact. So, basically, with TPD is that you need to have two doctors to sign off on the fact that you are unable to go back to any work that you are qualified to do.\n\nSo even though you're not working right now, that's okay. But if you if something were to happen to you and you cannot go back to work. Now, obviously, what that looks like depends on, obviously, what you were working with before and what you are qualified to do. So, for example, if you have a high risk occupation or minus or truck drivers, if something were to happen and they, for example, let's say, can't walk, they probably can't do their job. But if you are in an off space role, you might be able to still do it.\n\nSo it is also dependent on your qualification. So it is one that is harder to claim on, but it can also have a massive financial impact because if something were to happen and, yes, I know you're not working right now, but if you ever wanted to go back, that could have a big financial impact because then you're not gonna have any any income until, you know. So Yeah. Yes. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nMhmm. So this will be more sorry for you. Yes. Mhmm. Mhmm.\n\nYes. Mhmm. Okay. Yes. Like, more like Parkinson's or Alzheimer's or something like those.\n\nYeah. So what I can do mhmm. Mhmm. So for the time being, would you like me to get quotes anyway? So we'll cancel the IP for you.\n\nDo you wanna cancel TPD as well, or would you happy for me first to get quotes for $3.50 and 600? And then you can see what are the premium Yes. Because you were work yeah. You were working at the time when we applied for the cover, and it's just to say that you cannot go back to work. Yep.\n\nYeah. It's only if you it's you you more have trauma cover in those instances. If you have, let's say, breast cancer and it develops badly and you can never a doctor deems that you are never able to go back to work again, TPD. So it depends on but then often, we have clients where like, I have quite a few clients who have had breast cancer that is in remission, and they are working now. So it also and then you're not gonna get TPD.\n\nThe same with heart attack. If you have a really, really bad heart attack and like, stroke or something like that and that impacts your ability to ever go back to work again, you will be paid out. But if you have a heart attack, take some time off, and then you are fit to go back to work after a while, you're not gonna get TPD. Does that make sense? Yeah.\n\nYes. But CPD and life is a lot cheaper than your income protection. Income protection is the cost the most. So what I can do first for you so you at least can see it and think about it is that we'll cancel IP, and I can get quotes for $605.03 50 for you as a starting point. That way you have the information, and I can also get an alternative for you if you only wanted to have life.\n\nAnd then that way, you have all the quotes and all the options, and then you can see what you would like to do. It might even actually tell you on the so in the document, if we go back into that email, you should have a MLC COC. So MLC certificate of currency. Now this typically breaks down all of the insurances in more detail. Sometimes it tells you just a combined value, but sometimes it shows you the, yes, the breakdown.\n\nSo here you can actually see yes. So you can so you can actually see here that your life cover is 600 and so I am on page two. If you wanna scroll down to page two, you can see your life cover. You can see your TPD cover, and you can see your income protection. Yes.\n\nYep. So that so the waiting period would be if so on the income protection, the waiting period means that you need to be off work and have to wait the thirty days before you get the policy paid out. Yep. No. That's okay.\n\nYeah. Yeah. Yeah. No. I get you.\n\nMhmm. Okay. So for so for the the other so I can, obviously, I can either hold off until you've spoken to him and you can send me an email what you wanna do. Or if you would like me to continue putting the research together for you, obviously, your superannuation, show you the comparison, and cancel IP, I can put a proposal together for cancel IP and all your super investments. Leave life and TPD for now, and then we can if you wanna make any further changes to TPD in life, we can then do that.\n\nBut then at least the others aren't just being, like, put on pause. Would you want that? Yep. Okay. Great.\n\nPerfect. Otherwise, if we go back to your email, you should then have the one where it says twelve month hub IRR. Now this is the one that shows you how your portfolio has performed and everything in the last twelve months. So let me know when you can open that one. Yep.\n\nPerfect. Now sometimes it does look a little bit messy because it shows you all your individual investments, how they have performed, and what has happened in the last twelve months. Now you've touched on as well that in the last twelve months, we have seen a bit of fluctuations in the market and in the world, and we do have you invest in a high growth portfolio. So in the last twelve months now this, the one where it says internal rate of return, I'm sorry, the second column to the right shows you your yes. That shows you everything after fees.\n\nSo that is after adviser fees, admin fees, everything. So even though it has been a turbulent last twelve months, after fees, it's still gone up by more than 1%. Still about that 2.62. Now if you go up to the first page, it can then show you all your individual investments. So the one that has a bracket next to it are the one that's down.\n\nAll the rest are positive. So you can see here that the Benelon Australian equity is underperforming a little bit at the moment, and I think that was probably the one that my colleague mentioned to you. And I would like to look at potentially changing, but I wanna do all the research as well first for you. And then you can see all your other investments. So you can see that some has done crazy.\n\nLike, you can see the battery, tech, and lithium, that's at 85%. This one is one that is a little bit more fluctuating. It is more of your speculative investments, but, obviously, at the moment with the fuel prices and electric vehicles, that one has come through the roof. Does it all make sense so far? No.\n\nThat's okay. So part of the proposal I will put together is to review this more in-depth as well to see if we want to make changes, if now is the best time, and also if there's going to be any tax consequences by doing it. So I wanna factor everything in, and if so, show you the changes in fees and performance and returns and everything like that. Now with your investments, because you are in a high growth portfolio at the moment, what I would like to do is just run through a couple of questions with you. It's multiple choice.\n\nThere's no right or wrong answer. It's just to see if we should change it or if you're still comfortable with the level of risk. So if you don't mind, it's just a couple of multiple choice. If it doesn't make sense, just let me know. Okay?\n\nBut it's all multiple choice. Now, Shannon, have you ever bought direct shares yourself? Have you bought on the stock market into nope. And at the moment, when do you think you would like to access your super? Do you want to add 60 when you can if you're not working?\n\nDo you think you'd wanna wait to, like, 65? Or you have any idea when a time frame of when you wanna start drawing an income from your superannuation? So 60? For now anyway. Yep.\n\nPerfect. Yes. Yeah. Sounds a bit miserable. Yeah.\n\nYeah. Yeah. And and you have that choice. So with the current legislation, you can access if you are not working, you can access all of your superannuation completely tax free at the age of 60. The 60 seven is if you are, yeah, eligible for age pension.\n\nIf you are working, there is you can access some super up to 10% under a transition to retirement between 60 and 65. But if you are not working, you can take the whole lump sum out if you want to at 60 tax free. Yep. And and you definitely have that option. Like, let's see.\n\nYou can do whatever you want. Often, I would just kind of air of caution that that if you're pretty pretty sat with you and your husband and you have a bit of a plan, that's good. The only way I would sometimes, you know, flag it with clients is if they have a lot of debts, for example, and they wanna take everything out, put it all, and pay out all the debt, and then they have nothing. And then they don't have eight pension until 67. And then I'm like, well, you need to make sure that you can support yourself financially until 60 seven.\n\nYeah. Yeah. Yeah. And if that works, you have you have that option at 60. As soon as you turn 60, you can take everything tax free, and then you can do whatever you want.\n\nDoesn't sound too bad. Yeah. It'll be Yeah. Alright, Pam. Perfect.\n\nNo. Yeah. Yeah. That's horrible. Yeah.\n\nAnd that's also typically what we we typically see that, obviously, the closer you get to wanting to take out your money, you might wanna start reducing that risk exposure because you don't have as much time for those fluctuations. So right now, thinking about your super, how much risk would you say that you're willing to take? High risk, very high, moderate? Okay. And at times, that's going to be the case depending on what's happening in the market.\n\nSo with your high risk, high growth, risk profile, you are going to have certain years with going to be down. Other years are going to be really good. So you will have a lot more of those fluctuations. So if we look at, you say, your balance growth are more defensive, other times, especially when there's a lot of fluctuations in the market, especially, you know, the last twelve months where there's been a bit of ups and downs, some defensive are doing really well. But over other years, not so good.\n\nSo high growth is your your long term. So when we are looking at it, we are looking over a longer period of time to assess it. Because during so it is very hard to say depending on, obviously, what is happening in the world and the market. But typically speaking, in a high growth portfolio, you're going to have, I think it's about one in five years or down, the rest predicted, again, depending on what is happening. The rest are going to be positive.\n\nYou want long term that those evens out. So overall, even though on a short term basis, you're going to see more fluctuations than if you are in a more defensive investment. But overall, over a longer period of time, you're wanting to be better off. Because, otherwise, what's the point taking on the the short term risk if you're not getting that? So part of the research, I wanna look at your thematic investments as well to see if you are taking risk with some investment that's not needed and if we needed to change it.\n\nSo I will kind of deep dive into the investment. But in terms of the allocation on how much goes in what sector is what these questions kind of determine for you. Because at the moment in a high growth portfolio, we see 90%. Now, actually, if you want to go back to your emails, because sometimes this makes it a bit easier, if you wanna open that Vanguard index chart for me. That's okay.\n\nSo so like, what yeah. So s and p five hundred, just to give you one example. Yes. Yep. A little bit more they have a lot of different portfolios.\n\nYeah. What's in them? Yeah. So what what I'll do as well is when I do because I do wanna, like I said, go a bit more into the investments for you and see if we need to make changes. The ones that I will recommend, I will include investment links for them as well.\n\nSo I'll go and expect when I do if I do recommend changes, I will go through them in a little bit more in-depth with you to give you a bit of an overview of what is in it, a couple of examples. But then, also, I will give you so you can read when you have a moment on everything because some of them have hundreds of different options in there. Some has a lot less. So I will include all the research material as well for you so that you can click an ECC if you wanted to have a bit more in-depth of what is actually in it before you then decide what you would like to do. No.\n\nThat's okay. I'm sorry, Shannon. When it comes through yeah. At the moment, thinking about risk, did you say you are more towards your still high growth you're comfortable with when we are just talking about it from a back end point of view? Okay.\n\nThe right ones. Yes. Mhmm. Yeah. Mhmm.\n\nYeah. Yeah. Mhmm. Mhmm. Okay.\n\nYep. No. That's totally messed up. Yeah. Yes.\n\nMhmm. Yes. Oh, that's why you have us to help you with as well. And that's also why you have okay. Mhmm.\n\nYep. Let's invest in crypto. Well, let's not. Yeah. Yeah.\n\nNo. No. No neither. Okay. Good.\n\nNo. That makes sense. So We are comfortable. Yeah. We are comfortable with high growth, but it's reviewing the type of high growth investments and making sure that they are sound investments.\n\nYeah. Yes. Yes. Yes. No.\n\nI will not. We don't. No. We we don't include because it's way too speculative, and there's there's there's not there's not even an underlying asset behind it. So how do you even pull that?\n\nYeah. How do you even pull value? No. No. Yes.\n\nNo. And that is the last thing we wanna do with your retirement. So no. Definitely makes sense. Alright.\n\nPerfect. So I will reassess your high growth and look at it. So while I am looking at different options for you, I do wanted to check one thing with you because we have re I don't know if you've read our newsletter, so if it is something you read every now and then. No. That's fine.\n\nOh, Okay. Communication? Yes. Okay. Your email hasn't changed.\n\nOkay. Yeah. So it's s h a n k e, yes, @hotmail.com. Alright. I will check with IT.\n\nLet me see. Well, yes. So it say Oakview newsletter, and it is comes out once a month, typically. And if you are obviously receiving emails from us, otherwise, it should not go to spam. Sometimes it goes to spam, but yeah.\n\nMhmm. Yeah. Okay. That's strange. Okay.\n\nWeird. I will yes. See if you can Yes. And I will also just check with IT if there's a bug or something because you should be receiving them. But, yeah, flag it as not spam so you do get them, but I will also follow-up with IT to see if there's, like, a a bug or something why you're not receiving them.\n\nNo. That's okay. But with the the newsletter, what I was going to say is that we the latest one, if you would have to receive it, it does talk about that we have recently teamed up with BlackRock. Have you heard of them before? Yes.\n\nSo we have recently teamed up with them and created an SMA with them, so a self managed account with them. Have you ever heard of an SMA? So not a self managed super fund, an SMA. Have you ever heard of that structure before? No.\n\nSo what an SMA is, it is a self managed account. So it can still very much look similar to how you have 24 set up where you do have a heap of different investment that you are invested in. The the positive thing with the SMA is that how it's set up, it will allow us a little bit more flexibility in making changes for you quickly. So, for example, in a model portfolio, which is how it is now, if we foresee that there is, let's say, Benelon, for example, slightly underperforming and we wanna make a change from a compliance point as well, we will obviously do research regardless. We would put a proposal together for you.\n\nWe would have to book it in time with you, present the changes. You would have to sign off on the changes before we can go and make the change. So it does mean that sometimes it can take a little bit longer. And as you would know, sometimes with investments, you do wanna make choices quickly if there are going things can happen quickly. So with the SMA, how it is differently is that you would be invested in a portfolio.\n\nSo let's just call it a high growth portfolio. Now within that portfolio, you still have a range of different investments similar to what you would have now in terms of how many options and stuff like that. But what it allows us to do is that because you were just invested in, let's say, Oakview high growth portfolio, we can then go and make quick changes for you in the back end if we just see that is is better off making a change. We don't have to go through that whole SOA booking presenting it through you. We can just go ahead and make the change and let you know afterwards what we have made.\n\nSo it does make it a bit more streamlined and quicker to make the changes. The only thing would be that it would be less oversight on your end in that way because you wouldn't have to sign off for the change before we make it. You'd still get notified of it. We would just make it a bit more proactive in the back end. So it is a different way of setting it up.\n\nAnd because we have joined with BlackRock on it, we're obviously using all of their investment team as well as our internal investment team to kind of build and create these different portfolios, and we get access to all of their kind of risk management software as well. Is that approach something you are are you referring through? Nope. That's okay. No.\n\nThat's okay. Mhmm. Yes. Mhmm. Mhmm.\n\nThe compliance. Yep. Mhmm. Yep. Yes.\n\nThat is a 100% correct. Yes. So what I will do is I will factor it in my research. Now if I've researched the SMA and the SMA turns out to be you have to pay a lot of tax and it's not performing as well or fees, then I'm not gonna recommend it. But if I do the research and it shows off that, well, it's actually a very competitive option and it is putting you in a better position than other options, then I will consider it.\n\nWhat I can also do is I can send you an email just so if you wanted to read off on a little bit between now and our next call about the SMA. So I can send you, like, a bit of a brochure and some information, just some general information in regards to the SMA so that you can have a read over it. If I do decide to recommend it, I will have everything in the proposal anyway. So it will be, like, a full extended version of everything if it turns out to be the best option for you. Yep.\n\nYes. Yes. Left. Yep. Mhmm.\n\nMhmm. And and I get that. Yes. Yes. What's yes.\n\nAnd and I yes. Yes. Yes. Yep. No.\n\nNo. I get it. Yeah. And and that's the yes. No.\n\nThat's fine. I get what you I get. Most most of the time, people don't. Most I I completely I completely get it because most of the clients I speak with don't. People don't work in finance.\n\nSo it's no. It is it is fine, and I get it. And, yeah, the good thing is with the SMA, because we are working with Blackhawk, we obviously have an extensive backup of all of their research and expertise and everything as well, which is great. So so I will look at it. I will still send you an email with the the research, just just general about the estimate so you can have a read of a read over it.\n\nMhmm. No. That's okay. So what I'll the last thing I'll just quickly run through there, Shannon, is just to see if there's anything else major that has changed that I need to factor in when I do put this proposal together. So let me see here.\n\nYou obviously, you're still married. Still have two financial dependents? Yep. That's beautiful. Obviously, off work, we've already touched on that.\n\nProperty, I've already changed the mortgage. Now how much is your property valued at the moment? 1.6. Oh, wow. That's nice.\n\nI had a one point two here. Sorry. Did you say 1.7 or 1 6? Mhmm. Yep.\n\nMhmm. Mhmm. Okay. Yep. Okay.\n\nOkay. Oh, nice. So probably about one six at least. Yeah. Yeah.\n\nPerfect. Other assets, do you have a motor vehicle caravan? Mhmm. Yep. Unfuly paid off.\n\nAnd caravan? Yep. Okay. Perfect. Any other assets?\n\nSavings, offset, boats, motorbikes? Yep. Mhmm. Okay. Perfect.\n\nSorry. I'll just have the the property, the two car, and then the boat did you say 15 and a half thousand? Five. Okay. K.\n\nOkay. Just one thousand five 100. Okay. No worries. Anything else?\n\nNo. Okay. Yeah. No. That sounds lovely.\n\nYeah. Yep. No. I'm with you there. Sometimes you can very much overdo it, and then you just need to get rid of it.\n\nYes. Now health and lifestyle, I have you done there as a nonsmoker. No, you know, significant health issues or injuries or medications. Beautiful. Estate planning.\n\nDo you guys have a will in place or anything like that? Okay. On the to do list. Yep. Do you have someone that you know or that you can go to, or would you like me to include, like, a brochure of one of the firms we work closely with as, like, pricing and stuff?\n\nYep. Yeah. Perfect. I'll include it. That way, you have it in your inbox.\n\nYou can ignore it if you want, but it's there. It's there. No. That's okay. Other goals that you kind of were working towards in the next twelve months, paying off the mortgage I have here, and do some renovations to the home.\n\nIs that still something that you guys are? Okay. Perfect. Okay. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Oh, wow. Yeah. Oh, no. That's good.\n\nEspecially if you have those skills or learn the skills to do it. You know? Yes. Yeah. Yeah.\n\nAnd I think that's my problem that I'm just like, oh, not the time or the tools, and that's it. Yeah. Yeah. Yeah. I can imagine.\n\nAnd a goodwill. Yeah. Perfect. Yes. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That that makes sense, and that's good.\n\nAnd I'll keep that in mind. Now, Shannon, I like I said, I won't get you to sign the OSA now. I'm happy to just leave it because, obviously, do the proposal fast and then see how you feel. Now it will take me about, let me see here, typically about a week or so to put it all together. Now because I'm doing let me have a look here.\n\nNext week, I'm pretty fully booked. The following week, Monday, the first to the fourth. Do you have any availability? Okay. Perfect.\n\nNow let me yeah. Which is great because usually after hours fills up the fastest. So school hours, I love it. Sorry. Let me have a look here.\n\nSorry. Monday, I could do I could do 01:30 my time, which would be 11:30 your time. Would that work? Yeah. Okay.\n\nSo I will book that in on Monday, June 1 at 11:30AM your time. Now would you like a reminder text sent, like, two hours before the appointment if anything does come up and you can't make it? Yeah. No worries. If anything does change, though, like I said, you can't make it or need to reschedule, just let me know, and I'll see if I can shuffle a few things around for you.\n\nBut otherwise okay. Perfect. Otherwise, I will give you a call on Monday, June 1 at 11:30AM your time, and I'll go through the proposal of potentially estimated at best, checking on your investments a little bit more, and then also the income protection and get all of that sorted for you. And then we can take it from there. No worries.\n\nDo you have any other questions for me, or that's all good for now? No? Okay. Yeah. Yeah.\n\nYes. Well, sir, if there's anything you need in the meantime, Shannon, don't hesitate to give me a call or send me an email. Okay? Okay. No worries.\n\nWell, thanks again. Bye.","paragraphs":[{"sentences":[{"text":"Veronica, Equity Financial.","start":6.3999996,"end":8.18,"sentiment":"neutral","sentiment_score":0.04771416758497556},{"text":"Good morning.","start":20.975,"end":21.455,"sentiment":"neutral","sentiment_score":0.2408760040998459},{"text":"Is this Shannon?","start":21.455,"end":22.275002,"sentiment":"neutral","sentiment_score":0.0979453573624293},{"text":"This is Veronica from Xfinity Financial.","start":24.015,"end":26.115,"sentiment":"neutral","sentiment_score":0.12243441740671794},{"text":"How are you?","start":26.175,"end":26.994999,"sentiment":"neutral","sentiment_score":0.1470198854804039}],"sentiment":"neutral","sentiment_score":0.12319980846608386,"num_words":17,"start":6.3999996,"end":26.994999},{"sentences":[{"text":"Yeah.","start":29.74,"end":30.06,"sentiment":"neutral","sentiment_score":0.302487313747406},{"text":"I'm good.","start":30.06,"end":30.7,"sentiment":"positive","sentiment_score":0.5541143715381622},{"text":"Thanks.","start":30.7,"end":31.2,"sentiment":"positive","sentiment_score":0.668912410736084},{"text":"I had you booked in this morning for a bit of a catch up and to go through your annual review.","start":32.06,"end":36.940002,"sentiment":"positive","sentiment_score":0.3370629676750728},{"text":"Is now still a good time for you?","start":36.940002,"end":38.64,"sentiment":"neutral","sentiment_score":0.2864428963512182}],"sentiment":"positive","sentiment_score":0.34695436241048755,"num_words":33,"start":29.74,"end":38.64},{"sentences":[{"text":"Perfect.","start":41.114998,"end":41.614998,"sentiment":"positive","sentiment_score":0.4465462267398834},{"text":"That is all good.","start":43.755,"end":45.055,"sentiment":"positive","sentiment_score":0.4132326543331146},{"text":"Now I know as well that you have spoken to my colleague, Larissa, before.","start":46.075,"end":50.415,"sentiment":"neutral","sentiment_score":0.018495379414941584},{"text":"And I think from the last conversation, you were kind of wanting to hold off a little bit until she sorted out advice for Craig from memory.","start":51.355,"end":58.55,"sentiment":"neutral","sentiment_score":-0.08292160762680902},{"text":"Does that ring a bell?","start":59.81,"end":61.03,"sentiment":"neutral","sentiment_score":-0.04365764558315277}],"sentiment":"neutral","sentiment_score":-0.0019364603521192774,"num_words":51,"start":41.114998,"end":61.03},{"sentences":[{"text":"Yeah.","start":67.985,"end":68.485,"sentiment":"neutral","sentiment_score":-0.05168115720152855},{"text":"Yep.","start":73.345,"end":73.845,"sentiment":"neutral","sentiment_score":-0.05332745239138603},{"text":"Yes.","start":82.96,"end":83.46,"sentiment":"neutral","sentiment_score":-0.10404209792613985},{"text":"No.","start":85.6,"end":85.92,"sentiment":"neutral","sentiment_score":-0.18056973814964297},{"text":"That is all good.","start":85.92,"end":86.96,"sentiment":"neutral","sentiment_score":-0.03361485339701176}],"sentiment":"neutral","sentiment_score":-0.06550998240709305,"num_words":8,"start":67.985,"end":86.96},{"sentences":[{"text":"That is all good.","start":86.96,"end":88.02,"sentiment":"neutral","sentiment_score":0.2343529313802719},{"text":"And now before I do go any fur further, Shannon, I do need to let you know that the calls are being recorded for quality and coaching purposes.","start":89.695,"end":96.435,"sentiment":"neutral","sentiment_score":0.005129622195714286},{"text":"Perfect.","start":96.735,"end":97.235,"sentiment":"neutral","sentiment_score":0.1935797780752182},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could I get you to confirm just your full name, date of birth, and address, please?","start":98.255,"end":107.96,"sentiment":"neutral","sentiment_score":0.048351725125137496},{"text":"Yeah.","start":118.674995,"end":119.075,"sentiment":"neutral","sentiment_score":0.1333858072757721}],"sentiment":"neutral","sentiment_score":0.044881843920687545,"num_words":68,"start":86.96,"end":119.075},{"sentences":[{"text":"Perfect.","start":119.075,"end":119.55499,"sentiment":"positive","sentiment_score":0.37904155254364014},{"text":"You got your birthday coming up soon.","start":119.55499,"end":121.314995,"sentiment":"neutral","sentiment_score":0.20804759860038757},{"text":"Do you have anything planned?","start":121.314995,"end":122.615,"sentiment":"neutral","sentiment_score":0.09609751254320145},{"text":"Lovely.","start":126.674995,"end":127.174995,"sentiment":"positive","sentiment_score":0.5747495889663696},{"text":"Recovering still?","start":129.06999,"end":130.19,"sentiment":"neutral","sentiment_score":-0.06784914806485176}],"sentiment":"neutral","sentiment_score":0.17218209989368916,"num_words":16,"start":119.075,"end":130.19},{"sentences":[{"text":"Oh, no.","start":130.19,"end":131.23,"sentiment":"neutral","sentiment_score":-0.008820722810924053},{"text":"Yeah.","start":131.23,"end":131.73,"sentiment":"neutral","sentiment_score":0.03221142292022705},{"text":"Yeah.","start":139.87,"end":140.37,"sentiment":"neutral","sentiment_score":-0.012273797765374184},{"text":"Yeah.","start":142.205,"end":142.705,"sentiment":"neutral","sentiment_score":0.07221924513578415},{"text":"Yeah.","start":146.845,"end":147.345,"sentiment":"neutral","sentiment_score":0.027469081804156303}],"sentiment":"neutral","sentiment_score":0.016997417745490868,"num_words":6,"start":130.19,"end":147.345},{"sentences":[{"text":"And sometimes that's it.","start":148.045,"end":149.08499,"sentiment":"neutral","sentiment_score":-0.03835684712976217},{"text":"So, like, a lot is happening, and we can always you know, I totally understand that too, that there are periods of time where it just thinks a bit crazy.","start":149.08499,"end":155.35,"sentiment":"neutral","sentiment_score":-0.04299460289378961},{"text":"We can always push it out and stuff.","start":155.35,"end":156.95,"sentiment":"neutral","sentiment_score":0.016646328382194042},{"text":"We can obviously work with work with that.","start":156.95,"end":159.51,"sentiment":"neutral","sentiment_score":0.1417716909199953},{"text":"That is no problem.","start":159.51,"end":161.13,"sentiment":"neutral","sentiment_score":0.2894788086414337}],"sentiment":"neutral","sentiment_score":0.018185072475009494,"num_words":54,"start":148.045,"end":161.13},{"sentences":[{"text":"No.","start":163.51,"end":163.75,"sentiment":"neutral","sentiment_score":0.19152241945266724},{"text":"That's all good.","start":163.75,"end":164.63,"sentiment":"neutral","sentiment_score":0.33106616139411926},{"text":"Now what I will do first with you there, Shannon, is just to run through a bit of a updated fact find just to see if there is yeah.","start":164.63,"end":173.235,"sentiment":"neutral","sentiment_score":0.06720426216207702},{"text":"So I will just run through a bit of an updated fact find with you.","start":173.235,"end":177.575,"sentiment":"neutral","sentiment_score":0.05601529603203138},{"text":"Basically, yeah, just running through your information to see if there's anything major that has changed and if we do need to make any changes to your advice at all.","start":178.83499,"end":186.84001,"sentiment":"neutral","sentiment_score":0.012757658865302801}],"sentiment":"neutral","sentiment_score":0.055853893753523245,"num_words":78,"start":163.51,"end":186.84001},{"sentences":[{"text":"So just kind of bear with me.","start":188.18001,"end":189.88,"sentiment":"neutral","sentiment_score":-0.20397932401725224},{"text":"No.","start":190.18001,"end":190.42001,"sentiment":"neutral","sentiment_score":-0.207329124212265},{"text":"That's okay.","start":190.42001,"end":191.24,"sentiment":"neutral","sentiment_score":-0.11283057928085327},{"text":"So it might be good for us to do a bit of an updated strategy for you just to see where things are at anyway.","start":191.54001,"end":197.40001,"sentiment":"neutral","sentiment_score":0.007382906079292297},{"text":"Good to do, especially it's been some time.","start":199.265,"end":203.36499,"sentiment":"neutral","sentiment_score":0.14402064122259617}],"sentiment":"neutral","sentiment_score":-0.012188552770503732,"num_words":43,"start":188.18001,"end":203.36499},{"sentences":[{"text":"Yes.","start":213.76,"end":214.26,"sentiment":"neutral","sentiment_score":-0.026982512325048447},{"text":"You are.","start":214.56,"end":215.68,"sentiment":"neutral","sentiment_score":-0.03589110169559717},{"text":"So let me we'll go through everything.","start":215.68,"end":217.51999,"sentiment":"neutral","sentiment_score":0.007447731814214161},{"text":"And then I think what we should do, especially with if you're not working, obviously, and because it's obviously been a bit with the market the last twelve months, I think it is good for me to go and do do a bit of an updated strategy for you after today.","start":217.51999,"end":230.885,"sentiment":"neutral","sentiment_score":0.21447344730589904},{"text":"It will take me about a week or two to put it all together, and it is a good just kind of touching point to see, okay.","start":231.985,"end":238.305,"sentiment":"positive","sentiment_score":0.43183096636224677}],"sentiment":"neutral","sentiment_score":0.25626081035641785,"num_words":88,"start":213.76,"end":238.305},{"sentences":[{"text":"Well, do we wanna make any changes to investment depending what's happening?","start":238.305,"end":241.95,"sentiment":"neutral","sentiment_score":0.12768379474679628},{"text":"And, also, everything else, touch base with insurances and see what you wanna do so we can of course.","start":242.01,"end":248.99,"sentiment":"neutral","sentiment_score":0.09057007332969653},{"text":"Yeah.","start":252.825,"end":253.325,"sentiment":"neutral","sentiment_score":-0.06044537574052811},{"text":"Yes.","start":257.785,"end":258.285,"sentiment":"neutral","sentiment_score":-0.09266697615385056},{"text":"Yeah.","start":263.72,"end":264.22,"sentiment":"neutral","sentiment_score":-0.017783481627702713}],"sentiment":"neutral","sentiment_score":0.09065120872657965,"num_words":34,"start":238.305,"end":264.22},{"sentences":[{"text":"Yes.","start":272.44,"end":272.94,"sentiment":"neutral","sentiment_score":-0.001412736251950264},{"text":"Yeah.","start":279.815,"end":280.315,"sentiment":"neutral","sentiment_score":0.03395896404981613},{"text":"Yes.","start":284.29498,"end":284.79498,"sentiment":"neutral","sentiment_score":0.06980465352535248},{"text":"Yes.","start":288.31,"end":288.81,"sentiment":"neutral","sentiment_score":0.03013407811522484},{"text":"It definitely has.","start":289.51,"end":290.81,"sentiment":"neutral","sentiment_score":0.01596604970594247}],"sentiment":"neutral","sentiment_score":0.025769015508038656,"num_words":7,"start":272.44,"end":290.81},{"sentences":[{"text":"Yeah.","start":295.59003,"end":296.09003,"sentiment":"neutral","sentiment_score":0.020033571869134903},{"text":"Yes.","start":298.63,"end":299.13,"sentiment":"neutral","sentiment_score":0.0009776651859283447},{"text":"Yes.","start":304.135,"end":304.635,"sentiment":"neutral","sentiment_score":0.0379844605922699},{"text":"Yeah.","start":304.855,"end":305.355,"sentiment":"neutral","sentiment_score":0.031673915684223175},{"text":"Yeah.","start":308.215,"end":308.715,"sentiment":"neutral","sentiment_score":0.06094597280025482}],"sentiment":"neutral","sentiment_score":0.030323117226362228,"num_words":5,"start":295.59003,"end":308.715},{"sentences":[{"text":"And it is good that you do have that understanding as well.","start":309.015,"end":312.39,"sentiment":"positive","sentiment_score":0.4372652086118857},{"text":"That is really good, and it it is very true.","start":312.95,"end":315.45,"sentiment":"positive","sentiment_score":0.6610150098800659},{"text":"And there are obviously, you can never predict what's going to happen with the market, but when we do look at historically as well, like you said as well, long term market always goes up.","start":316.07,"end":326.365,"sentiment":"neutral","sentiment_score":0.027169600874185563},{"text":"Short term, there will be some ups and downs and market fluctuations.","start":326.365,"end":329.26498,"sentiment":"neutral","sentiment_score":-0.0585241432612141},{"text":"And if it is a bit of a downtime at the moment, you might not want to change investments or you might not want to change everything.","start":329.645,"end":336.705,"sentiment":"neutral","sentiment_score":-0.2710332586257546}],"sentiment":"neutral","sentiment_score":0.049875843028227486,"num_words":96,"start":309.015,"end":336.705},{"sentences":[{"text":"So stay.","start":339.68,"end":342.97998,"sentiment":"neutral","sentiment_score":-0.07642992213368416},{"text":"Yes.","start":343.52,"end":344.02,"sentiment":"neutral","sentiment_score":0.07756868749856949},{"text":"Yes.","start":346.08,"end":346.58,"sentiment":"neutral","sentiment_score":0.08087746798992157},{"text":"Exactly.","start":347.12,"end":347.62,"sentiment":"neutral","sentiment_score":0.034525856375694275},{"text":"Yes.","start":351.125,"end":351.625,"sentiment":"neutral","sentiment_score":-0.16058821976184845}],"sentiment":"neutral","sentiment_score":-0.020079342027505238,"num_words":6,"start":339.68,"end":351.625},{"sentences":[{"text":"Yes.","start":364.66,"end":365.16,"sentiment":"neutral","sentiment_score":-0.034669771790504456},{"text":"Mhmm.","start":367.62,"end":367.69998,"sentiment":"neutral","sentiment_score":0.00757164042443037},{"text":"Yep.","start":367.69998,"end":368.19998,"sentiment":"neutral","sentiment_score":0.03504951298236847},{"text":"Yes.","start":369.62,"end":370.12,"sentiment":"neutral","sentiment_score":-0.051041606813669205},{"text":"Yep.","start":370.9,"end":371.4,"sentiment":"neutral","sentiment_score":0.006484675221145153}],"sentiment":"neutral","sentiment_score":-0.0073211099952459335,"num_words":5,"start":364.66,"end":371.4},{"sentences":[{"text":"Yes.","start":372.9,"end":373.4,"sentiment":"neutral","sentiment_score":0.02973419986665249},{"text":"Yeah.","start":375.215,"end":375.715,"sentiment":"neutral","sentiment_score":-0.049702808260917664},{"text":"Yes.","start":389.79,"end":390.29,"sentiment":"neutral","sentiment_score":-0.03882066532969475},{"text":"No.","start":391.31003,"end":391.55002,"sentiment":"negative","sentiment_score":-0.4990283846855163},{"text":"I do.","start":391.55002,"end":391.95,"sentiment":"negative","sentiment_score":-0.3895014375448227}],"sentiment":"neutral","sentiment_score":-0.2228034222498536,"num_words":6,"start":372.9,"end":391.95},{"sentences":[{"text":"I do hear you.","start":391.95,"end":393.01,"sentiment":"neutral","sentiment_score":-0.1212360579520464},{"text":"Yeah.","start":395.71002,"end":396.21002,"sentiment":"neutral","sentiment_score":-0.18425297737121585},{"text":"Yeah.","start":404.525,"end":405.025,"sentiment":"neutral","sentiment_score":0.1175880953669548},{"text":"So well, I and it is very valid points as well.","start":405.565,"end":408.205,"sentiment":"positive","sentiment_score":0.3974078487266194},{"text":"And some of it, it is definitely true where you do wanna hold off and wait for that to come back around, especially if it's more like your cyclical investments that we do see kind of coming back around.","start":408.205,"end":419.97,"sentiment":"neutral","sentiment_score":-0.04315410561573047}],"sentiment":"neutral","sentiment_score":0.038158341127979965,"num_words":56,"start":391.95,"end":419.97},{"sentences":[{"text":"So if we because exactly.","start":419.97,"end":422.63,"sentiment":"neutral","sentiment_score":0.011652498319745064},{"text":"So we do, obviously, research on all the investments all the time, and we wanna make sure that we do have in the best options at all times.","start":422.77002,"end":429.535,"sentiment":"neutral","sentiment_score":0.22057279092924936},{"text":"And there are going to be times where investments have potentially underperformed a little bit, and then we have to assess, okay.","start":429.535,"end":436.735,"sentiment":"neutral","sentiment_score":-0.09955004179342226},{"text":"Well, do we want to sell it when it's down?","start":436.735,"end":439.935,"sentiment":"neutral","sentiment_score":-0.08203079178929329},{"text":"Do we foresee it coming back around or not?","start":439.935,"end":442.915,"sentiment":"neutral","sentiment_score":-0.053769326044453516}],"sentiment":"neutral","sentiment_score":0.03702659278201896,"num_words":74,"start":419.97,"end":442.915},{"sentences":[{"text":"So part of the research I will go and do today, which actually, do you have access to your emails at the moment, Shannon?","start":443.69,"end":449.31,"sentiment":"neutral","sentiment_score":0.0767070259898901},{"text":"Okay.","start":450.09,"end":450.59,"sentiment":"neutral","sentiment_score":0.10062786191701888},{"text":"So what we can start with is I have to send you an email with some documents.","start":450.89,"end":454.59,"sentiment":"neutral","sentiment_score":0.0781113680671243},{"text":"And if you could have a look at them for me, we can start there.","start":456.58502,"end":460.445,"sentiment":"neutral","sentiment_score":0.019509217888116836},{"text":"Up front.","start":471.0,"end":471.74,"sentiment":"neutral","sentiment_score":-0.03508228063583374}],"sentiment":"neutral","sentiment_score":0.059185821184162365,"num_words":59,"start":443.69,"end":471.74},{"sentences":[{"text":"Yep.","start":471.8,"end":472.3,"sentiment":"neutral","sentiment_score":-0.004377461038529873},{"text":"Yes.","start":476.6,"end":477.1,"sentiment":"neutral","sentiment_score":-0.08831609785556793},{"text":"Okay.","start":489.33502,"end":489.83502,"sentiment":"neutral","sentiment_score":-0.18189997971057892},{"text":"Yeah.","start":493.19,"end":493.69,"sentiment":"negative","sentiment_score":-0.5334283113479614},{"text":"Yeah.","start":498.55,"end":499.03,"sentiment":"neutral","sentiment_score":-0.29632768034935}],"sentiment":"neutral","sentiment_score":-0.22086990606039764,"num_words":5,"start":471.8,"end":499.03},{"sentences":[{"text":"And I I get that.","start":499.03,"end":500.15,"sentiment":"neutral","sentiment_score":-0.325415712594986},{"text":"And yeah.","start":500.15,"end":504.965,"sentiment":"neutral","sentiment_score":-0.28810520470142365},{"text":"And I completely hit yeah.","start":504.965,"end":507.86502,"sentiment":"neutral","sentiment_score":-0.320441997051239},{"text":"Mhmm.","start":510.165,"end":510.665,"sentiment":"neutral","sentiment_score":-0.10584966093301772},{"text":"Seeing the value.","start":530.755,"end":531.655,"sentiment":"neutral","sentiment_score":-0.22580637534459433}],"sentiment":"neutral","sentiment_score":-0.2867979840375483,"num_words":16,"start":499.03,"end":531.655},{"sentences":[{"text":"And it is fair.","start":537.075,"end":538.195,"sentiment":"positive","sentiment_score":0.47411932796239853},{"text":"And with the with the fees as well.","start":538.195,"end":540.115,"sentiment":"neutral","sentiment_score":0.12422636896371841},{"text":"Sorry.","start":540.115,"end":540.615,"sentiment":"neutral","sentiment_score":-0.0027114376425743103},{"text":"With the the the upfront fee that you paid, that was that one off fee.","start":540.835,"end":545.63,"sentiment":"neutral","sentiment_score":0.036445606499910355},{"text":"That is correct.","start":545.63,"end":546.52997,"sentiment":"neutral","sentiment_score":0.18965815007686615}],"sentiment":"neutral","sentiment_score":0.12913662495632325,"num_words":31,"start":537.075,"end":546.52997},{"sentences":[{"text":"Now you will never be charged that again.","start":546.58997,"end":549.17,"sentiment":"neutral","sentiment_score":0.14795816875994205},{"text":"The upfront fee was just to come on board to implement everything.","start":549.47,"end":553.55,"sentiment":"neutral","sentiment_score":0.15642031778891882},{"text":"Now there is an ongoing advice fee, which you touched on as well.","start":553.55,"end":556.82996,"sentiment":"neutral","sentiment_score":0.1078800753905223},{"text":"That is correct, And that is a percentage of your balance.","start":556.82996,"end":560.315,"sentiment":"neutral","sentiment_score":0.10586967725645412},{"text":"Now, typically, that is Yeah.","start":560.61505,"end":570.47,"sentiment":"neutral","sentiment_score":0.06855028420686722}],"sentiment":"neutral","sentiment_score":0.12184628600976904,"num_words":49,"start":546.58997,"end":570.47},{"sentences":[{"text":"I want to see the value.","start":570.47,"end":571.76996,"sentiment":"positive","sentiment_score":0.33743006736040115},{"text":"And and yeah.","start":571.82996,"end":574.07,"sentiment":"neutral","sentiment_score":0.19370410839716592},{"text":"And that is totally fair.","start":574.07,"end":575.51,"sentiment":"neutral","sentiment_score":0.32739089131355287},{"text":"So what I what I'm more than happy to do for you, Shannon It's communication.","start":575.51,"end":587.865,"sentiment":"positive","sentiment_score":0.4136370281378428},{"text":"Yeah.","start":588.565,"end":589.065,"sentiment":"neutral","sentiment_score":0.02409747987985611}],"sentiment":"positive","sentiment_score":0.3490433362623056,"num_words":30,"start":570.47,"end":589.065},{"sentences":[{"text":"And I do apologize that you've run on hold with that.","start":589.285,"end":592.025,"sentiment":"neutral","sentiment_score":-0.12080036543987015},{"text":"You've been a bit yep.","start":597.54004,"end":598.84,"sentiment":"neutral","sentiment_score":-0.16920617073774338},{"text":"I get I get that.","start":599.62,"end":600.92,"sentiment":"neutral","sentiment_score":-0.053801067918539044},{"text":"Yeah.","start":606.195,"end":606.695,"sentiment":"neutral","sentiment_score":-0.006695486605167389},{"text":"Yeah.","start":611.395,"end":611.79504,"sentiment":"neutral","sentiment_score":0.22532159090042111}],"sentiment":"neutral","sentiment_score":-0.0967484395141187,"num_words":23,"start":589.285,"end":611.79504},{"sentences":[{"text":"And I get that.","start":611.79504,"end":612.835,"sentiment":"positive","sentiment_score":0.3472176194190979},{"text":"And, you know, my job is to help you at the end of the day, help you make the decisions that's best for you, and help you for your super and your retirement.","start":612.835,"end":620.695,"sentiment":"positive","sentiment_score":0.4885386173246485},{"text":"And, obviously, I do apologize that you weren't told that Alan left at the time.","start":621.84,"end":626.02,"sentiment":"neutral","sentiment_score":-0.1847318445642789},{"text":"That's not you know, that is something you should have been told.","start":626.88,"end":630.16003,"sentiment":"neutral","sentiment_score":-0.32484012345472973},{"text":"And the only thing I can do moving forward is making sure you do get that communication, and I will try my best.","start":630.16003,"end":636.26,"sentiment":"neutral","sentiment_score":0.04097207198324411}],"sentiment":"neutral","sentiment_score":0.1354476247710743,"num_words":87,"start":611.79504,"end":636.26},{"sentences":[{"text":"Sorry.","start":638.10504,"end":638.42505,"sentiment":"neutral","sentiment_score":-0.061286017298698425},{"text":"I am one of the advisers here, and what what we used to do is have a bit more of a kind of like a floating thing.","start":638.42505,"end":645.54504,"sentiment":"neutral","sentiment_score":0.004332480676196239},{"text":"So all the clients were kind of everyone was working on collectively, and it also meant that someone was always available.","start":645.54504,"end":651.73,"sentiment":"neutral","sentiment_score":0.05639540705652464},{"text":"So what we've recently changed through as well is where you do kind of have one dedicated adviser that you work with as long as you're obviously happy to do so, and that would also smooth out that communication where you only deal with one person moving forward.","start":652.11,"end":665.945,"sentiment":"neutral","sentiment_score":0.2507129500930508},{"text":"That person is completely across your situation and and everything for you.","start":666.40497,"end":669.925,"sentiment":"positive","sentiment_score":0.3862029587229093}],"sentiment":"neutral","sentiment_score":0.16429955613107308,"num_words":109,"start":638.10504,"end":669.925},{"sentences":[{"text":"And if you have any questions or anything else, you can just come directly to myself.","start":669.925,"end":673.865,"sentiment":"neutral","sentiment_score":0.1899120146408677},{"text":"So that kind of takes away all of that.","start":674.565,"end":676.94995,"sentiment":"neutral","sentiment_score":-0.25228775706556106},{"text":"And then, also, I can make sure that if I tell you that I'm going to do something, then I can make sure that that will happen, and I have a dedicated admin assistant as well to help me with everything.","start":676.94995,"end":687.26996,"sentiment":"neutral","sentiment_score":0.19387490256893924},{"text":"So I can kind of liaise with them a bit more in that aspect of making sure that you do get that communication.","start":687.26996,"end":694.065,"sentiment":"neutral","sentiment_score":0.23651316632395206},{"text":"And what I would be more than happy to do, Shannon, is I'll happy to go and do the research for you first, especially don't you deciding anything if you're not happy.","start":694.365,"end":702.225,"sentiment":"neutral","sentiment_score":0.3051490467041731}],"sentiment":"neutral","sentiment_score":0.19769789872706428,"num_words":121,"start":669.925,"end":702.225},{"sentences":[{"text":"And then after I've done all of that, you can obviously assess how you are feeling.","start":702.92004,"end":707.02,"sentiment":"neutral","sentiment_score":0.29477774165570736},{"text":"Now with the advice fee, I do wanna let you know.","start":707.16003,"end":709.72003,"sentiment":"neutral","sentiment_score":0.2705092186277563},{"text":"So with the ongoing advice fee, it is not a yearly fee.","start":709.72003,"end":713.66003,"sentiment":"neutral","sentiment_score":0.22338428969184557},{"text":"So we normally show you the yearly fee, but it is deducted on a monthly basis.","start":713.72003,"end":719.165,"sentiment":"neutral","sentiment_score":0.20753330551087856},{"text":"So what that also gives you is the flexibility.","start":719.625,"end":722.125,"sentiment":"positive","sentiment_score":0.35363394353124833}],"sentiment":"neutral","sentiment_score":0.26368586136959493,"num_words":64,"start":702.92004,"end":722.125},{"sentences":[{"text":"So it's not like you pay a one off fee once a year, and that's it.","start":722.425,"end":726.825,"sentiment":"neutral","sentiment_score":0.2018892359919846},{"text":"It comes out on a monthly basis for you.","start":726.825,"end":729.46497,"sentiment":"neutral","sentiment_score":0.2753803614113066},{"text":"So even if you were to go, yeah.","start":729.46497,"end":741.01996,"sentiment":"neutral","sentiment_score":0.09338899981230497},{"text":"To do.","start":752.695,"end":753.355,"sentiment":"neutral","sentiment_score":-0.12230370566248894},{"text":"Yeah.","start":753.495,"end":753.975,"sentiment":"neutral","sentiment_score":-0.102173313498497}],"sentiment":"neutral","sentiment_score":0.1696939528402355,"num_words":36,"start":722.425,"end":753.975},{"sentences":[{"text":"And so at the moment, your fees are off.","start":753.975,"end":756.455,"sentiment":"neutral","sentiment_score":-0.19844806442658106},{"text":"So right now, you're not paying anything.","start":756.455,"end":758.39496,"sentiment":"neutral","sentiment_score":-0.3083051251513617},{"text":"So it's only if you are happy to Yeah.","start":759.64,"end":786.33,"sentiment":"negative","sentiment_score":-0.3766834537188212},{"text":"Yeah.","start":788.55,"end":789.05,"sentiment":"neutral","sentiment_score":-0.06770933419466019},{"text":"Yeah.","start":791.51,"end":792.01,"sentiment":"neutral","sentiment_score":-0.05211101472377777}],"sentiment":"neutral","sentiment_score":-0.2760792551217256,"num_words":27,"start":753.975,"end":792.01},{"sentences":[{"text":"Yep.","start":806.085,"end":806.585,"sentiment":"neutral","sentiment_score":-0.06934347003698349},{"text":"Yeah.","start":815.99,"end":816.49,"sentiment":"neutral","sentiment_score":-0.05461406707763672},{"text":"Yep.","start":828.805,"end":829.125,"sentiment":"neutral","sentiment_score":0.023993073031306267},{"text":"High growth?","start":829.125,"end":829.865,"sentiment":"neutral","sentiment_score":0.022759336046874523},{"text":"Yeah.","start":840.18,"end":840.68,"sentiment":"neutral","sentiment_score":-0.05145139992237091}],"sentiment":"neutral","sentiment_score":-0.017649531985322636,"num_words":6,"start":806.085,"end":840.68},{"sentences":[{"text":"Yep.","start":842.82,"end":843.32,"sentiment":"neutral","sentiment_score":-0.07864414900541306},{"text":"Just having Yeah.","start":872.36505,"end":881.83997,"sentiment":"negative","sentiment_score":-0.5428513785203298},{"text":"That's fine.","start":882.7,"end":883.6,"sentiment":"neutral","sentiment_score":-0.08386687934398651},{"text":"No.","start":884.38,"end":884.77997,"sentiment":"neutral","sentiment_score":-0.2633846402168274},{"text":"That's fine.","start":884.77997,"end":885.6,"sentiment":"neutral","sentiment_score":-0.1317072957754135}],"sentiment":"neutral","sentiment_score":-0.2668590305580033,"num_words":9,"start":842.82,"end":885.6},{"sentences":[{"text":"That's fine.","start":885.66,"end":886.48,"sentiment":"neutral","sentiment_score":-0.19617825746536255},{"text":"I get it.","start":887.1,"end":888.07996,"sentiment":"negative","sentiment_score":-0.3867735068003337},{"text":"Yeah.","start":889.1,"end":889.6,"sentiment":"negative","sentiment_score":-0.3787065744400024},{"text":"Yeah.","start":891.33997,"end":891.82,"sentiment":"negative","sentiment_score":-0.45894432067871094},{"text":"And that's the absolute last thing I want.","start":891.82,"end":894.16,"sentiment":"negative","sentiment_score":-0.5345847718417645}],"sentiment":"negative","sentiment_score":-0.4444670736789703,"num_words":15,"start":885.66,"end":894.16},{"sentences":[{"text":"Yeah.","start":902.275,"end":902.775,"sentiment":"neutral","sentiment_score":-0.32812902331352234},{"text":"Yeah.","start":904.595,"end":905.095,"sentiment":"neutral","sentiment_score":-0.26209351420402527},{"text":"Yeah.","start":906.93,"end":907.41003,"sentiment":"neutral","sentiment_score":-0.07265927642583847},{"text":"And and and I get that, and I do really appreciate your honesty as well.","start":907.41003,"end":911.67,"sentiment":"neutral","sentiment_score":0.24244383772214254},{"text":"So I can have a look here for you.","start":919.585,"end":922.465,"sentiment":"neutral","sentiment_score":-0.2485186838441425}],"sentiment":"neutral","sentiment_score":0.02730028138116554,"num_words":27,"start":902.275,"end":922.465},{"sentences":[{"text":"So yes.","start":922.465,"end":924.325,"sentiment":"neutral","sentiment_score":-0.0950930155813694},{"text":"Of course.","start":924.945,"end":925.685,"sentiment":"neutral","sentiment_score":-0.128855898976326},{"text":"So and that is the absolute last thing we want.","start":925.905,"end":932.49,"sentiment":"negative","sentiment_score":-0.5900972455739975},{"text":"That is the opposite of what I'm trying to achieve for you.","start":932.49,"end":935.61,"sentiment":"negative","sentiment_score":-0.5170187142988046},{"text":"That is the opposite, and I don't want that.","start":935.61,"end":937.85,"sentiment":"negative","sentiment_score":-0.37528978453742134}],"sentiment":"negative","sentiment_score":-0.4551629404936518,"num_words":35,"start":922.465,"end":937.85},{"sentences":[{"text":"So so what yeah.","start":937.85,"end":941.05,"sentiment":"neutral","sentiment_score":-0.19091727025806904},{"text":"So what what I can do for you, Shannon, as well is that I will review all your investments in detail for you, review if there is any that is kind of what we touched on a bit more cyclical where is better off holding off or if there is any that is underperforming and we do wanna make a change.","start":941.05,"end":958.8,"sentiment":"neutral","sentiment_score":0.06323977859049547},{"text":"And what I will also do is I can so to make it easier for you as well is that I can include a comparison of other options.","start":959.44,"end":969.3,"sentiment":"neutral","sentiment_score":0.21571807031120574},{"text":"So if you so who who was the other funds that you were looking?","start":969.92,"end":973.995,"sentiment":"neutral","sentiment_score":0.026992111333778927},{"text":"Because at the end of the day, there is absolutely nothing holding us to Hub twenty four or any super funds.","start":973.995,"end":979.695,"sentiment":"neutral","sentiment_score":-0.10343293189292863}],"sentiment":"neutral","sentiment_score":0.05734266695799306,"num_words":128,"start":937.85,"end":979.695},{"sentences":[{"text":"I will recommend whatever is going to be best for you.","start":980.395,"end":982.875,"sentiment":"neutral","sentiment_score":0.22575166686014694},{"text":"And if the best thing when I do the research for you is that you will be better off going through host class or Australian Super, wherever it might be, then I will let you know.","start":982.875,"end":993.37,"sentiment":"neutral","sentiment_score":0.10681918263435364},{"text":"That is my duty to you and what I am I have to do.","start":993.51,"end":996.71,"sentiment":"neutral","sentiment_score":0.07957970803337437},{"text":"So if I do research and I show you that what you are currently doing is worse off, then I'm not gonna recommend that for you at the end of the day.","start":996.71,"end":1004.57495,"sentiment":"negative","sentiment_score":-0.3874007612466812},{"text":"So I'll be more than happy to include comparison and showing you, obviously, what if you do go to an industry fund like host plus, then you don't have adviser fees, what are returns looking at, what are all the fees, and then give you that kind of, like, comparison so that you can then make up your mind if you feel like whatever is I'll make a recommendation of what's going to put you in a better position, and then you can decide what you would like to do.","start":1004.57495,"end":1027.8,"sentiment":"neutral","sentiment_score":0.22276496671968035}],"sentiment":"neutral","sentiment_score":0.0824857785117105,"num_words":183,"start":980.395,"end":1027.8},{"sentences":[{"text":"That way you have more info.","start":1027.8,"end":1029.42,"sentiment":"negative","sentiment_score":-0.4136209487915039},{"text":"That's okay.","start":1031.865,"end":1032.6849,"sentiment":"neutral","sentiment_score":-0.2493899166584015},{"text":"Yeah.","start":1058.855,"end":1059.355,"sentiment":"neutral","sentiment_score":-0.2509298324584961},{"text":"Yeah.","start":1062.535,"end":1063.035,"sentiment":"neutral","sentiment_score":-0.203136146068573},{"text":"Yeah.","start":1063.415,"end":1063.915,"sentiment":"neutral","sentiment_score":-0.28290554881095886}],"sentiment":"negative","sentiment_score":-0.3379524594003504,"num_words":11,"start":1027.8,"end":1063.915},{"sentences":[{"text":"Yeah.","start":1096.8201,"end":1097.3201,"sentiment":"neutral","sentiment_score":0.09956169128417967},{"text":"Yeah.","start":1102.675,"end":1103.175,"sentiment":"neutral","sentiment_score":-0.017967589199543},{"text":"No.","start":1107.0751,"end":1107.4751,"sentiment":"neutral","sentiment_score":-0.2913438677787781},{"text":"And I and I and I completed and I completely I wanna hear everything, and I do I am here for you at the end of the day.","start":1107.4751,"end":1113.175,"sentiment":"neutral","sentiment_score":0.04115788532154901},{"text":"And I don't get paid a percentage for anything.","start":1113.395,"end":1116.6101,"sentiment":"neutral","sentiment_score":-0.23771516482035318}],"sentiment":"neutral","sentiment_score":-0.029919136501848697,"num_words":40,"start":1096.8201,"end":1116.6101},{"sentences":[{"text":"I just get paid a salary, and that's it.","start":1116.6101,"end":1118.7101,"sentiment":"neutral","sentiment_score":-0.16777743730280134},{"text":"Whether you stay on as a client or not, it doesn't change anything for me.","start":1118.77,"end":1123.27,"sentiment":"neutral","sentiment_score":-0.018759599700570107},{"text":"My job is to help you at the end of the day and whatever that makes.","start":1123.3301,"end":1127.265,"sentiment":"neutral","sentiment_score":0.22700819186866283},{"text":"So I don't get paid a percentage.","start":1127.505,"end":1129.185,"sentiment":"neutral","sentiment_score":-0.15295545756816864},{"text":"I'm not incentivized.","start":1129.185,"end":1130.165,"sentiment":"neutral","sentiment_score":-0.2221873700618744}],"sentiment":"neutral","sentiment_score":0.00206979651004076,"num_words":50,"start":1116.6101,"end":1130.165},{"sentences":[{"text":"I don't get any commissions whatsoever if you stay on or not.","start":1130.305,"end":1134.305,"sentiment":"neutral","sentiment_score":-0.11494019317130248},{"text":"I'm just here to try to help you at the end of the day.","start":1134.305,"end":1137.765,"sentiment":"neutral","sentiment_score":0.26615474266665323},{"text":"But in terms of my salary, it doesn't, like, it doesn't impact.","start":1138.0651,"end":1141.2,"sentiment":"neutral","sentiment_score":0.06077063828706741},{"text":"Like, I don't get commissions if you sign on or anything like that.","start":1141.2,"end":1144.34,"sentiment":"neutral","sentiment_score":-0.05558791756629944},{"text":"So yeah.","start":1147.36,"end":1148.91,"sentiment":"neutral","sentiment_score":0.07008292898535728}],"sentiment":"neutral","sentiment_score":0.04705008808171974,"num_words":53,"start":1130.305,"end":1148.91},{"sentences":[{"text":"No.","start":1154.015,"end":1154.255,"sentiment":"negative","sentiment_score":-0.5573767423629761},{"text":"Not at all.","start":1154.255,"end":1154.975,"sentiment":"negative","sentiment_score":-0.6810481746991476},{"text":"I'm I'm literally here, and I I don't feel good.","start":1154.975,"end":1158.335,"sentiment":"negative","sentiment_score":-0.7319560766220092},{"text":"That fact that you've had this experience and you don't have the trust, that's not what we're here to do.","start":1158.335,"end":1162.975,"sentiment":"negative","sentiment_score":-0.5517786622047425},{"text":"We are here, all of us, to help you at the end of the day, and trust is a massive thing for us, and that's what we want to do.","start":1162.975,"end":1168.76,"sentiment":"positive","sentiment_score":0.3391763225197792}],"sentiment":"neutral","sentiment_score":-0.1684432125184685,"num_words":64,"start":1154.015,"end":1168.76},{"sentences":[{"text":"And if you have lost that trust, then that doesn't make me feel good because that's what I want to do for you at the end of the day.","start":1168.76,"end":1175.34,"sentiment":"neutral","sentiment_score":-0.211416682228446},{"text":"Yeah.","start":1194.31,"end":1194.81,"sentiment":"neutral","sentiment_score":0.047017574310302734},{"text":"Yes.","start":1202.245,"end":1202.745,"sentiment":"neutral","sentiment_score":0.07675791531801224},{"text":"Yes.","start":1207.4451,"end":1207.9451,"sentiment":"neutral","sentiment_score":0.05731013044714928},{"text":"Yes.","start":1210.085,"end":1210.585,"sentiment":"neutral","sentiment_score":0.02021073177456856}],"sentiment":"neutral","sentiment_score":-0.1796905282659061,"num_words":33,"start":1168.76,"end":1210.585},{"sentences":[{"text":"Yes.","start":1210.725,"end":1211.125,"sentiment":"neutral","sentiment_score":0.02412877231836319},{"text":"Yes.","start":1211.125,"end":1211.625,"sentiment":"neutral","sentiment_score":0.028110427781939507},{"text":"No.","start":1212.5651,"end":1213.0651,"sentiment":"neutral","sentiment_score":-0.15946868062019348},{"text":"No.","start":1213.5499,"end":1213.7899,"sentiment":"neutral","sentiment_score":-0.17445611953735352},{"text":"No.","start":1213.7899,"end":1214.19,"sentiment":"neutral","sentiment_score":-0.189222514629364}],"sentiment":"neutral","sentiment_score":-0.09418162293732166,"num_words":5,"start":1210.725,"end":1214.19},{"sentences":[{"text":"We we're still we're still doing that.","start":1214.19,"end":1216.03,"sentiment":"neutral","sentiment_score":-0.0618772953748703},{"text":"Sorry.","start":1216.03,"end":1216.51,"sentiment":"neutral","sentiment_score":-0.06490758806467056},{"text":"I do wanna just quickly go back to the fee just to make sure you do understand.","start":1216.51,"end":1220.75,"sentiment":"neutral","sentiment_score":-0.009401807890218846},{"text":"So at the moment, you are not paying any fee.","start":1220.75,"end":1222.6699,"sentiment":"neutral","sentiment_score":0.006046534143388271},{"text":"It is only if you decide that you would like to stay on.","start":1222.6699,"end":1225.695,"sentiment":"neutral","sentiment_score":0.04383913542215641}],"sentiment":"neutral","sentiment_score":-0.0005730268312618136,"num_words":48,"start":1214.19,"end":1225.695},{"sentences":[{"text":"And I do want to reconfirm with you that it is not a yearly fee.","start":1226.255,"end":1230.835,"sentiment":"neutral","sentiment_score":0.036037076637148856},{"text":"It is a monthly fee that is deducted for you, and it is it is 1.1 per percent of your super balance.","start":1231.0549,"end":1242.72,"sentiment":"neutral","sentiment_score":0.03555150905793363},{"text":"Yeah.","start":1258.715,"end":1259.215,"sentiment":"neutral","sentiment_score":0.04076341912150383},{"text":"And I will write Mhmm.","start":1259.995,"end":1273.6901,"sentiment":"neutral","sentiment_score":0.032301341835409406},{"text":"Yes.","start":1273.6901,"end":1274.1901,"sentiment":"neutral","sentiment_score":-0.004967148881405592}],"sentiment":"neutral","sentiment_score":0.03454528018747541,"num_words":44,"start":1226.255,"end":1274.1901},{"sentences":[{"text":"Yes.","start":1276.915,"end":1277.415,"sentiment":"neutral","sentiment_score":-0.07142914831638336},{"text":"Yep.","start":1279.475,"end":1279.975,"sentiment":"neutral","sentiment_score":-0.02792485803365707},{"text":"Yep.","start":1280.035,"end":1280.535,"sentiment":"neutral","sentiment_score":-0.048694491386413574},{"text":"Yes.","start":1293.17,"end":1293.67,"sentiment":"neutral","sentiment_score":0.07067172229290009},{"text":"Last twelve months.","start":1293.73,"end":1294.79,"sentiment":"neutral","sentiment_score":0.0419525479276975}],"sentiment":"neutral","sentiment_score":0.006925838334219796,"num_words":7,"start":1276.915,"end":1294.79},{"sentences":[{"text":"Yeah.","start":1295.57,"end":1296.07,"sentiment":"neutral","sentiment_score":0.16140703856945038},{"text":"I actually just have done that for you.","start":1296.37,"end":1298.63,"sentiment":"neutral","sentiment_score":0.04236452607437968},{"text":"So I have just done that.","start":1298.77,"end":1300.05,"sentiment":"positive","sentiment_score":0.4788469970226288},{"text":"Yes.","start":1300.05,"end":1300.55,"sentiment":"neutral","sentiment_score":0.14070133864879608},{"text":"But what I will do anyway mhmm.","start":1301.235,"end":1305.635,"sentiment":"neutral","sentiment_score":-0.1530625176216875}],"sentiment":"neutral","sentiment_score":0.10620299759118454,"num_words":23,"start":1295.57,"end":1305.635},{"sentences":[{"text":"Yep.","start":1305.635,"end":1306.135,"sentiment":"neutral","sentiment_score":-0.028226133435964584},{"text":"And I and I get that.","start":1306.195,"end":1307.635,"sentiment":"neutral","sentiment_score":-0.05630261885623137},{"text":"Sorry.","start":1307.635,"end":1308.135,"sentiment":"neutral","sentiment_score":-0.1310797780752182},{"text":"No.","start":1317.5701,"end":1317.73,"sentiment":"neutral","sentiment_score":-0.22629207372665405},{"text":"No.","start":1317.73,"end":1318.13,"sentiment":"neutral","sentiment_score":-0.23429012298583984}],"sentiment":"neutral","sentiment_score":-0.09577038213610649,"num_words":10,"start":1305.635,"end":1318.13},{"sentences":[{"text":"I will not get you to sign anything until you've seen the documents, and then you are happy with it.","start":1318.13,"end":1323.11,"sentiment":"neutral","sentiment_score":-0.12058519646525383},{"text":"No.","start":1324.53,"end":1324.85,"sentiment":"neutral","sentiment_score":-0.1872754693031311},{"text":"I will not get you to sign anything before because I wouldn't sign anything myself if I haven't been told information.","start":1324.85,"end":1330.1449,"sentiment":"neutral","sentiment_score":-0.2343211266256514},{"text":"So What's happening?","start":1330.605,"end":1351.9249,"sentiment":"neutral","sentiment_score":-0.10186707973480225},{"text":"Yeah.","start":1353.345,"end":1353.845,"sentiment":"neutral","sentiment_score":-0.057450830936431885}],"sentiment":"neutral","sentiment_score":-0.17136467669321143,"num_words":46,"start":1318.13,"end":1353.845},{"sentences":[{"text":"So I have to send you that.","start":1355.105,"end":1356.705,"sentiment":"neutral","sentiment_score":0.07079499747071948},{"text":"We'll be happy to go through, but what I'm also happy to do is make a note on the account for you because at the moment, sorry, we can do these catch ups however frequent or infrequent you would like.","start":1356.705,"end":1366.9299,"sentiment":"neutral","sentiment_score":0.32269718404859304},{"text":"Now at the moment, I have you down here as once per year for an annual review.","start":1366.9299,"end":1371.4299,"sentiment":"neutral","sentiment_score":0.16297484364579706},{"text":"Some people are more than happy with that.","start":1372.2899,"end":1373.97,"sentiment":"positive","sentiment_score":0.5056722052395344},{"text":"They don't wanna hear from us more than that.","start":1373.97,"end":1376.745,"sentiment":"neutral","sentiment_score":0.026554969035916857}],"sentiment":"neutral","sentiment_score":0.252572803079714,"num_words":81,"start":1355.105,"end":1376.745},{"sentences":[{"text":"If they have any questions, they'll give me a call.","start":1376.745,"end":1379.005,"sentiment":"neutral","sentiment_score":0.1943298250436783},{"text":"I have also many clients who want six months to catch up.","start":1379.145,"end":1381.9451,"sentiment":"neutral","sentiment_score":0.1535831099996964},{"text":"I have many clients who want quarterly catch up.","start":1381.9451,"end":1384.265,"sentiment":"neutral","sentiment_score":0.1619467255142},{"text":"At the end of the day, it's whatever you want.","start":1384.265,"end":1386.025,"sentiment":"neutral","sentiment_score":0.17323157340288162},{"text":"So if you would like a bit more frequent Mhmm.","start":1386.025,"end":1388.87,"sentiment":"neutral","sentiment_score":0.09834612235426902}],"sentiment":"neutral","sentiment_score":0.15607045211044013,"num_words":51,"start":1376.745,"end":1388.87},{"sentences":[{"text":"Mhmm.","start":1398.45,"end":1398.7,"sentiment":"neutral","sentiment_score":0.017887592315673828},{"text":"Okay.","start":1398.7,"end":1399.2,"sentiment":"neutral","sentiment_score":0.019106250256299973},{"text":"Mhmm.","start":1405.905,"end":1406.405,"sentiment":"neutral","sentiment_score":-0.09376175701618196},{"text":"Mhmm.","start":1407.505,"end":1408.005,"sentiment":"neutral","sentiment_score":-0.05358273908495903},{"text":"Yep.","start":1409.105,"end":1409.605,"sentiment":"neutral","sentiment_score":-0.024616047739982605}],"sentiment":"neutral","sentiment_score":-0.026993340253829955,"num_words":5,"start":1398.45,"end":1409.605},{"sentences":[{"text":"Yep.","start":1422.4,"end":1422.72,"sentiment":"neutral","sentiment_score":0.15253347158432007},{"text":"Yep.","start":1422.72,"end":1423.22,"sentiment":"neutral","sentiment_score":0.16130751371383667},{"text":"Yep.","start":1424.3201,"end":1424.8201,"sentiment":"neutral","sentiment_score":0.1516047865152359},{"text":"Yep.","start":1429.425,"end":1429.925,"sentiment":"neutral","sentiment_score":0.13005243241786957},{"text":"Mhmm.","start":1434.065,"end":1434.3049,"sentiment":"neutral","sentiment_score":-0.06769472360610962}],"sentiment":"neutral","sentiment_score":0.10556069612503052,"num_words":5,"start":1422.4,"end":1434.3049},{"sentences":[{"text":"Yep.","start":1434.3049,"end":1434.8049,"sentiment":"neutral","sentiment_score":-0.07318812608718872},{"text":"Mhmm.","start":1438.8,"end":1439.3,"sentiment":"neutral","sentiment_score":-0.10546015202999116},{"text":"Yep.","start":1449.935,"end":1450.435,"sentiment":"neutral","sentiment_score":-0.08122726529836655},{"text":"Yeah.","start":1452.655,"end":1453.155,"sentiment":"neutral","sentiment_score":-0.1007343977689743},{"text":"See you.","start":1456.335,"end":1457.155,"sentiment":"neutral","sentiment_score":-0.03154889866709709}],"sentiment":"neutral","sentiment_score":-0.07061795641978581,"num_words":6,"start":1434.3049,"end":1457.155},{"sentences":[{"text":"Yeah.","start":1457.4551,"end":1457.9551,"sentiment":"neutral","sentiment_score":0.024079784750938416},{"text":"And I get that.","start":1458.015,"end":1458.8151,"sentiment":"neutral","sentiment_score":0.030147815123200417},{"text":"So I I will include in the research note what options would you like me to consider.","start":1458.8151,"end":1464.2001,"sentiment":"neutral","sentiment_score":0.06996642831055556},{"text":"You mentioned host plus.","start":1464.2001,"end":1465.8201,"sentiment":"neutral","sentiment_score":-0.0075763436034321785},{"text":"Is there someone okay.","start":1466.28,"end":1470.54,"sentiment":"neutral","sentiment_score":-0.15987382922321558}],"sentiment":"neutral","sentiment_score":0.022143321173886458,"num_words":30,"start":1457.4551,"end":1470.54},{"sentences":[{"text":"Okay.","start":1476.4551,"end":1476.775,"sentiment":"neutral","sentiment_score":0.2112077921628952},{"text":"So you're happy for me.","start":1476.775,"end":1477.5751,"sentiment":"positive","sentiment_score":0.5420432150363922},{"text":"I'll just yeah.","start":1477.5751,"end":1478.135,"sentiment":"neutral","sentiment_score":0.26644713679949444},{"text":"Because normally, we we assess everything.","start":1478.135,"end":1480.3151,"sentiment":"neutral","sentiment_score":0.05669276478389899},{"text":"Yeah.","start":1483.655,"end":1484.135,"sentiment":"neutral","sentiment_score":-0.004292041063308716}],"sentiment":"neutral","sentiment_score":0.25353936408646405,"num_words":16,"start":1476.4551,"end":1484.135},{"sentences":[{"text":"And no.","start":1484.135,"end":1489.37,"sentiment":"neutral","sentiment_score":-0.03415492922067642},{"text":"So we definitely do that research, but sometimes I do have clients who specifically wants me to consider something as well.","start":1489.59,"end":1496.8899,"sentiment":"neutral","sentiment_score":-0.034869772160337084},{"text":"Okay.","start":1500.325,"end":1500.725,"sentiment":"neutral","sentiment_score":-0.004729485139250755},{"text":"So I'll just consider everything for you and make a recommendation.","start":1500.725,"end":1504.9049,"sentiment":"neutral","sentiment_score":0.07009682719680396},{"text":"That is no problem.","start":1504.965,"end":1505.845,"sentiment":"neutral","sentiment_score":0.2833248898386955}],"sentiment":"neutral","sentiment_score":0.028181028194152392,"num_words":39,"start":1484.135,"end":1505.845},{"sentences":[{"text":"Now, Shannon, do you have access to your emails?","start":1505.845,"end":1507.525,"sentiment":"neutral","sentiment_score":0.08903567824098799},{"text":"And I will show you the performance and super balance.","start":1507.525,"end":1510.8049,"sentiment":"neutral","sentiment_score":0.16861774772405624},{"text":"Yep.","start":1510.8049,"end":1511.07,"sentiment":"neutral","sentiment_score":0.14265918731689453},{"text":"So we recently had changed the software, so it might look a little bit different to last time.","start":1511.3899,"end":1516.45,"sentiment":"neutral","sentiment_score":0.08993876766827372},{"text":"Now the good thing with how it is structured now is that you don't have to click on the link where it says sign out.","start":1516.59,"end":1522.45,"sentiment":"neutral","sentiment_score":0.33300948977470396}],"sentiment":"neutral","sentiment_score":0.1995919497003631,"num_words":63,"start":1505.845,"end":1522.45},{"sentences":[{"text":"That is to sign the ongoing service agreement, and I can leave that for now and include it in the proposal for you when you have all the information.","start":1522.9099,"end":1532.455,"sentiment":"neutral","sentiment_score":0.23626467431413717},{"text":"That's okay.","start":1532.915,"end":1533.735,"sentiment":"positive","sentiment_score":0.3368721157312393},{"text":"Now in the email, can you see before you click on the link, can you see a couple of attachments at the bottom of the email?","start":1534.755,"end":1541.095,"sentiment":"neutral","sentiment_score":0.08979998442989129},{"text":"Yes.","start":1544.5,"end":1545.0,"sentiment":"neutral","sentiment_score":0.07722815871238708},{"text":"So what can you see first?","start":1545.22,"end":1547.0599,"sentiment":"neutral","sentiment_score":0.07355828955769539}],"sentiment":"neutral","sentiment_score":0.16216870746575296,"num_words":64,"start":1522.9099,"end":1547.0599},{"sentences":[{"text":"And we'll just do it in the way that you can see them.","start":1547.0599,"end":1549.5599,"sentiment":"neutral","sentiment_score":0.10814813868357585},{"text":"Yes.","start":1556.355,"end":1556.855,"sentiment":"neutral","sentiment_score":0.11749810725450516},{"text":"Yep.","start":1560.4349,"end":1560.9349,"sentiment":"neutral","sentiment_score":0.23631909489631653},{"text":"Perfect.","start":1561.235,"end":1561.735,"sentiment":"neutral","sentiment_score":0.20211473107337952},{"text":"Mhmm.","start":1569.33,"end":1569.83,"sentiment":"neutral","sentiment_score":0.027849260717630383}],"sentiment":"neutral","sentiment_score":0.11704158804872457,"num_words":17,"start":1547.0599,"end":1569.83},{"sentences":[{"text":"Okay.","start":1574.13,"end":1574.63,"sentiment":"positive","sentiment_score":0.4229906499385834},{"text":"Perfect.","start":1574.69,"end":1575.19,"sentiment":"positive","sentiment_score":0.6549104452133179},{"text":"So the bottom two, I or the first two, I will get you to have a read over in your own time just so I don't take up too much of your time this morning, which is your overview financial services guide version four and version one.","start":1575.25,"end":1588.005,"sentiment":"neutral","sentiment_score":0.16886041440228197},{"text":"Now these two documents is just a compliance form.","start":1588.305,"end":1592.16,"sentiment":"neutral","sentiment_score":0.11520616710186005},{"text":"It gives you all the important information in regards to us, though, there for you.","start":1592.16,"end":1596.42,"sentiment":"neutral","sentiment_score":0.18809427718321484}],"sentiment":"neutral","sentiment_score":0.17633712648937147,"num_words":73,"start":1574.13,"end":1596.42},{"sentences":[{"text":"When you do go and have a look at it, you would have seen this a couple of times before.","start":1596.8,"end":1600.9,"sentiment":"neutral","sentiment_score":0.07935087699443102},{"text":"We've had a bit of an extension to the team, so you will actually see if you do go in and have a look at it.","start":1601.12,"end":1606.375,"sentiment":"neutral","sentiment_score":0.12227111854232274},{"text":"You will see a photo of myself there.","start":1606.4349,"end":1608.2749,"sentiment":"neutral","sentiment_score":0.110752590931952},{"text":"You'll also see a photo of Larissa who you've spoken to before as well as the rest of the the advisers.","start":1608.2749,"end":1613.735,"sentiment":"neutral","sentiment_score":0.11550780527648472},{"text":"That's all in there for you.","start":1615.635,"end":1617.09,"sentiment":"neutral","sentiment_score":0.17980843037366867}],"sentiment":"neutral","sentiment_score":0.11304446719126937,"num_words":81,"start":1596.8,"end":1617.09},{"sentences":[{"text":"Now the next one, which is your super insurance summary, could you open that one for me?","start":1617.4099,"end":1622.07,"sentiment":"neutral","sentiment_score":0.05905132335336769},{"text":"Yep.","start":1623.73,"end":1624.23,"sentiment":"neutral","sentiment_score":0.05832379311323166},{"text":"And let me know when that one you can see that.","start":1624.69,"end":1626.77,"sentiment":"neutral","sentiment_score":0.05245147069746798},{"text":"Okay?","start":1626.77,"end":1627.27,"sentiment":"neutral","sentiment_score":0.048100750893354416},{"text":"Yep.","start":1627.89,"end":1628.39,"sentiment":"neutral","sentiment_score":0.07816478610038757}],"sentiment":"neutral","sentiment_score":0.05694929047697975,"num_words":31,"start":1617.4099,"end":1628.39},{"sentences":[{"text":"So this one shows you your current situation.","start":1629.01,"end":1631.35,"sentiment":"neutral","sentiment_score":0.06563771329820156},{"text":"So it shows you your hub 24.","start":1631.605,"end":1633.5449,"sentiment":"neutral","sentiment_score":0.0690353023154395},{"text":"And at the moment, you do have $85,496 in there.","start":1634.005,"end":1639.5449,"sentiment":"neutral","sentiment_score":0.031300327740609646},{"text":"Now underneath that, it shows you your insurances.","start":1641.445,"end":1644.745,"sentiment":"neutral","sentiment_score":0.03623642702586949},{"text":"So at the moment, you have insurance with MLC.","start":1645.61,"end":1648.91,"sentiment":"neutral","sentiment_score":0.030055669653746817}],"sentiment":"neutral","sentiment_score":0.04480344150215387,"num_words":42,"start":1629.01,"end":1648.91},{"sentences":[{"text":"Now you have life and total permanent disability.","start":1650.01,"end":1653.47,"sentiment":"neutral","sentiment_score":0.005328645464032888},{"text":"And at the moment, you are covered for 871,526.","start":1653.6901,"end":1659.705,"sentiment":"neutral","sentiment_score":0.03766765341990524},{"text":"Now just looking at those two covers, are you happy with the level of cover you have for life and TPD?","start":1660.585,"end":1668.365,"sentiment":"neutral","sentiment_score":0.03371610652123179},{"text":"Yep.","start":1670.505,"end":1670.985,"sentiment":"neutral","sentiment_score":0.16471390426158905},{"text":"Okay.","start":1670.985,"end":1671.485,"sentiment":"neutral","sentiment_score":0.09293711930513382}],"sentiment":"neutral","sentiment_score":0.03368318262510002,"num_words":40,"start":1650.01,"end":1671.485},{"sentences":[{"text":"Yeah.","start":1674.74,"end":1675.24,"sentiment":"neutral","sentiment_score":0.04415328800678253},{"text":"Bit of 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hundred fifty.","start":1746.83,"end":1748.0499,"sentiment":"neutral","sentiment_score":0.1207843516021967}],"sentiment":"neutral","sentiment_score":0.12759645748883486,"num_words":8,"start":1712.3049,"end":1748.0499},{"sentences":[{"text":"Okay.","start":1748.91,"end":1749.41,"sentiment":"neutral","sentiment_score":0.035118162631988525},{"text":"Yes.","start":1751.87,"end":1752.35,"sentiment":"neutral","sentiment_score":0.07062064856290817},{"text":"So with those two plus your income protection, which you have here, is the total premium is 2,302.","start":1752.35,"end":1762.2949,"sentiment":"neutral","sentiment_score":0.08226209133863449},{"text":"Now this comes out of your superannuation, so it's not something you pay for out of pocket.","start":1762.515,"end":1767.815,"sentiment":"neutral","sentiment_score":-0.000792369684752296},{"text":"So if we correct.","start":1768.2749,"end":1772.37,"sentiment":"neutral","sentiment_score":0.03602379932999611}],"sentiment":"neutral","sentiment_score":0.04188003336511007,"num_words":41,"start":1748.91,"end":1772.37},{"sentences":[{"text":"It is coming out of your system.","start":1772.37,"end":1774.23,"sentiment":"neutral","sentiment_score":0.11449416726827621},{"text":"Correct.","start":1774.53,"end":1775.03,"sentiment":"neutral","sentiment_score":0.1158055067062378},{"text":"So what I can do, if you feel like they are too much, what I can do is when I do the research and put the proposal together, I can get an alteration quote to show you with if you feel like having enough to just cover the mortgage, so the $3.50 or 400, whatever you are comfortable with, I can get a price for you to show you.","start":1775.33,"end":1796.865,"sentiment":"neutral","sentiment_score":0.08334251477018646},{"text":"Yes.","start":1800.35,"end":1800.85,"sentiment":"neutral","sentiment_score":-0.1476539820432663},{"text":"Correct.","start":1805.23,"end":1805.73,"sentiment":"neutral","sentiment_score":-0.08028458803892136}],"sentiment":"neutral","sentiment_score":0.08151847628664367,"num_words":79,"start":1772.37,"end":1805.73},{"sentences":[{"text":"So for all three, you are paying 2,302.","start":1816.925,"end":1821.245,"sentiment":"neutral","sentiment_score":-0.05530556757003069},{"text":"Now income protection is typically the most expensive as well out of those three.","start":1821.245,"end":1826.14,"sentiment":"neutral","sentiment_score":-0.20248230972460338},{"text":"So we can.","start":1826.28,"end":1831.98,"sentiment":"neutral","sentiment_score":-0.018273465956250828},{"text":"Now I do wanna I'll I can I'll put their proposal in there.","start":1832.84,"end":1836.6,"sentiment":"neutral","sentiment_score":0.030261884371821698},{"text":"Sorry.","start":1836.6,"end":1836.92,"sentiment":"neutral","sentiment_score":-0.03664328530430794}],"sentiment":"neutral","sentiment_score":-0.07628861700113003,"num_words":39,"start":1816.925,"end":1836.92},{"sentences":[{"text":"I can't cancel it without the proposal for you first, but I will conclude it, and we'll do it in a very short amount of time for you to cancel income protection.","start":1836.92,"end":1845.625,"sentiment":"neutral","sentiment_score":-0.02401339536299929},{"text":"The only thing I do wanna let you know is that if we cancel income protection, obviously, and you decide to do you have any plans of going back to work, or what kind of your employment situation?","start":1845.685,"end":1855.305,"sentiment":"neutral","sentiment_score":-0.06684197970715008},{"text":"Yep.","start":1868.715,"end":1869.215,"sentiment":"neutral","sentiment_score":-0.028597241267561913},{"text":"Yeah.","start":1873.115,"end":1873.615,"sentiment":"neutral","sentiment_score":-0.05312136560678482},{"text":"And often because I think you spoke to my colleague, Kyle, I believe, last time.","start":1873.995,"end":1880.255,"sentiment":"neutral","sentiment_score":-0.09846584498882294}],"sentiment":"neutral","sentiment_score":-0.05594402485280887,"num_words":87,"start":1836.92,"end":1880.255},{"sentences":[{"text":"Okay.","start":1883.8099,"end":1884.3099,"sentiment":"neutral","sentiment_score":-0.0329863503575325},{"text":"Because we can we can definitely cancel that income protection for you.","start":1884.45,"end":1887.73,"sentiment":"neutral","sentiment_score":-0.10053024037430684},{"text":"That is no problem if you if you don't want it.","start":1887.73,"end":1890.13,"sentiment":"neutral","sentiment_score":-0.057133710519834},{"text":"I do wanna just let you know that we we can most definitely go and cancel it for you.","start":1890.13,"end":1894.635,"sentiment":"neutral","sentiment_score":0.18046523748259796},{"text":"And the only thing to be mindful of or that I want you to be mindful of is that if you do decide to go back to work, let's say, in a year or six months or whenever you want to, if you then want to look at an income protection policy again, they would have to do your full assessment.","start":1895.595,"end":1913.78,"sentiment":"neutral","sentiment_score":-0.021846266066441772}],"sentiment":"neutral","sentiment_score":0.002196127226432929,"num_words":104,"start":1883.8099,"end":1913.78},{"sentences":[{"text":"So they would assess, you know, health, lifestyle, work.","start":1913.8401,"end":1917.86,"sentiment":"neutral","sentiment_score":-0.030044597884019215},{"text":"And if there is anything that has changed, you might not be able to get one.","start":1918.3201,"end":1923.025,"sentiment":"neutral","sentiment_score":-0.12149152182973921},{"text":"So as long as you are understanding of that, we can still go ahead and cancel it for you.","start":1923.025,"end":1927.845,"sentiment":"neutral","sentiment_score":0.01923817749086179},{"text":"Yep.","start":1929.4249,"end":1929.9249,"sentiment":"neutral","sentiment_score":0.22400355339050293},{"text":"Okay.","start":1930.225,"end":1930.725,"sentiment":"neutral","sentiment_score":0.2702067494392395}],"sentiment":"neutral","sentiment_score":-0.02944630554512791,"num_words":46,"start":1913.8401,"end":1930.725},{"sentences":[{"text":"Beautiful.","start":1933.52,"end":1934.02,"sentiment":"neutral","sentiment_score":0.2427399903535843},{"text":"Yes.","start":1936.08,"end":1936.58,"sentiment":"neutral","sentiment_score":0.0490741953253746},{"text":"Yep.","start":1936.8,"end":1937.12,"sentiment":"neutral","sentiment_score":0.03130274638533592},{"text":"We can cancel that, which will reduce the premium quite a bit.","start":1937.12,"end":1940.64,"sentiment":"neutral","sentiment_score":-0.025340385424594086},{"text":"Now for life and TPD, would you like me to look at reducing it to just cover the mortgage as well for you?","start":1940.64,"end":1946.18,"sentiment":"neutral","sentiment_score":-0.014136087392335352}],"sentiment":"neutral","sentiment_score":-0.008055202711961772,"num_words":38,"start":1933.52,"end":1946.18},{"sentences":[{"text":"Correct.","start":1952.295,"end":1952.795,"sentiment":"neutral","sentiment_score":0.034803081303834915},{"text":"Yeah.","start":1967.75,"end":1968.25,"sentiment":"neutral","sentiment_score":-0.0029671508818864822},{"text":"Not necessarily.","start":1977.205,"end":1977.945,"sentiment":"neutral","sentiment_score":-0.06326901912689209},{"text":"It will make it a lot cheaper, but not necessarily because most most of the insurers as well, they do like multi policy discounts.","start":1979.605,"end":1988.09,"sentiment":"neutral","sentiment_score":0.09043724276125431},{"text":"So, basically, every two fifty block, there's a discount.","start":1988.3099,"end":1992.47,"sentiment":"neutral","sentiment_score":0.08186606069405873}],"sentiment":"neutral","sentiment_score":0.07601584499148098,"num_words":37,"start":1952.295,"end":1992.47},{"sentences":[{"text":"So let's say if we were to do four four like, you do have two fifty and 500.","start":1992.47,"end":1998.07,"sentiment":"neutral","sentiment_score":0.03899688439236747},{"text":"So let's say if you were looking at four fifty, sometimes it's better off 500 because there's more value, for example.","start":1998.07,"end":2005.655,"sentiment":"neutral","sentiment_score":0.015888801642826626},{"text":"But if you feel like canceling income protection will make a big difference in premium.","start":2005.7151,"end":2010.6151,"sentiment":"neutral","sentiment_score":-0.12598444167524575},{"text":"If you still feel like life and TIP is too high and you kind of just wanna cover mortgage with a little bit of extra, I can get a quote for 500 for you if you want.","start":2010.7999,"end":2019.62,"sentiment":"neutral","sentiment_score":-0.08545422392922479},{"text":"And I can also assess just 3 because you said your mortgage is $3.50.","start":2020.0,"end":2024.64,"sentiment":"neutral","sentiment_score":0.029711553627359017}],"sentiment":"neutral","sentiment_score":-0.034285737201571465,"num_words":105,"start":1992.47,"end":2024.64},{"sentences":[{"text":"Is that correct?","start":2024.64,"end":2025.38,"sentiment":"neutral","sentiment_score":0.025321579227844875},{"text":"Correct.","start":2026.975,"end":2027.475,"sentiment":"neutral","sentiment_score":0.0408625453710556},{"text":"And do you have any other debts?","start":2027.535,"end":2030.335,"sentiment":"neutral","sentiment_score":0.008796040500913347},{"text":"Do you still have the land as well?","start":2030.335,"end":2032.4349,"sentiment":"neutral","sentiment_score":-0.023125126725062728},{"text":"No.","start":2034.415,"end":2034.735,"sentiment":"neutral","sentiment_score":-0.04712547734379768}],"sentiment":"neutral","sentiment_score":-0.0026863462291657923,"num_words":20,"start":2024.64,"end":2034.735},{"sentences":[{"text":"Okay.","start":2034.735,"end":2035.235,"sentiment":"neutral","sentiment_score":-0.020137427374720573},{"text":"No other debts otherwise.","start":2035.695,"end":2038.035,"sentiment":"neutral","sentiment_score":-0.058338903822004795},{"text":"Just that.","start":2038.415,"end":2039.235,"sentiment":"neutral","sentiment_score":-0.029154963791370392},{"text":"Okay.","start":2041.17,"end":2041.67,"sentiment":"neutral","sentiment_score":-0.02261628955602646},{"text":"350.","start":2044.45,"end":2045.51,"sentiment":"neutral","sentiment_score":0.002220671158283949}],"sentiment":"neutral","sentiment_score":-0.03691095429369145,"num_words":9,"start":2034.735,"end":2045.51},{"sentences":[{"text":"Okay.","start":2045.65,"end":2046.05,"sentiment":"neutral","sentiment_score":-0.0014753872528672218},{"text":"Would you like me to look at decreasing it to $3.50, or do you feel like mhmm.","start":2046.05,"end":2055.895,"sentiment":"neutral","sentiment_score":-0.053591191385160476},{"text":"Okay.","start":2056.2751,"end":2056.595,"sentiment":"neutral","sentiment_score":0.04773753136396408},{"text":"Perfect.","start":2056.595,"end":2057.095,"sentiment":"neutral","sentiment_score":0.20672199130058289},{"text":"Mhmm.","start":2077.665,"end":2078.0652,"sentiment":"neutral","sentiment_score":0.06150931119918823}],"sentiment":"neutral","sentiment_score":-0.028407466996993338,"num_words":21,"start":2045.65,"end":2078.0652},{"sentences":[{"text":"Oh, beautiful.","start":2078.0652,"end":2078.8052,"sentiment":"positive","sentiment_score":0.43486398458480835},{"text":"Perfect.","start":2079.425,"end":2079.925,"sentiment":"positive","sentiment_score":0.4540725946426392},{"text":"So what would you like in terms of TPD and life?","start":2082.465,"end":2085.2651,"sentiment":"neutral","sentiment_score":0.07381735902956942},{"text":"Do you feel like mortgage is sufficient, or would you wanna have a bit of extra if something were to happen?","start":2085.2651,"end":2091.205,"sentiment":"neutral","sentiment_score":-0.15861120216903232},{"text":"Okay.","start":2102.7,"end":2103.2,"sentiment":"neutral","sentiment_score":-0.2692650556564331}],"sentiment":"neutral","sentiment_score":-0.04067524411301646,"num_words":36,"start":2078.0652,"end":2103.2},{"sentences":[{"text":"Okay.","start":2105.2751,"end":2105.7751,"sentiment":"neutral","sentiment_score":-0.03419926017522812},{"text":"Mhmm.","start":2108.635,"end":2109.135,"sentiment":"neutral","sentiment_score":-0.05615759268403053},{"text":"Yes.","start":2118.73,"end":2119.23,"sentiment":"neutral","sentiment_score":0.04389939457178116},{"text":"What I can do for you is I Mhmm.","start":2119.29,"end":2139.0051,"sentiment":"neutral","sentiment_score":0.0410126108262274},{"text":"Yeah.","start":2144.44,"end":2144.94,"sentiment":"neutral","sentiment_score":-0.07078975439071655}],"sentiment":"neutral","sentiment_score":0.01937432959675789,"num_words":13,"start":2105.2751,"end":2144.94},{"sentences":[{"text":"Yes.","start":2154.455,"end":2154.955,"sentiment":"neutral","sentiment_score":-0.00439220666885376},{"text":"And that's another question.","start":2155.175,"end":2156.375,"sentiment":"neutral","sentiment_score":-0.04143956070765853},{"text":"And TPD is one of those that is that is the hardest to claim on.","start":2156.375,"end":2160.635,"sentiment":"neutral","sentiment_score":-0.30236931244532267},{"text":"They can also have the biggest financial impact.","start":2161.0151,"end":2163.2551,"sentiment":"negative","sentiment_score":-0.404276667162776},{"text":"So, basically, with TPD is that you need to have two doctors to sign off on the fact that you are unable to go back to any work that you are qualified to do.","start":2163.2551,"end":2174.1702,"sentiment":"neutral","sentiment_score":-0.2790859556373428}],"sentiment":"neutral","sentiment_score":-0.28111009621211597,"num_words":62,"start":2154.455,"end":2174.1702},{"sentences":[{"text":"So even though you're not working right now, that's okay.","start":2174.2302,"end":2177.1902,"sentiment":"neutral","sentiment_score":-0.09897664673626423},{"text":"But if you if something were to happen to you and you cannot go back to work.","start":2177.1902,"end":2181.615,"sentiment":"negative","sentiment_score":-0.35836683038403006},{"text":"Now, obviously, what that looks like depends on, obviously, what you were working with before and what you are qualified to do.","start":2182.095,"end":2188.175,"sentiment":"neutral","sentiment_score":-0.11159789968620647},{"text":"So, for example, if you have a high risk occupation or minus or truck drivers, if something were to happen and they, for example, let's say, can't walk, they probably can't do their job.","start":2188.175,"end":2200.07,"sentiment":"neutral","sentiment_score":-0.1373546665863079},{"text":"But if you are in an off space role, you might be able to still do it.","start":2200.07,"end":2204.3901,"sentiment":"neutral","sentiment_score":0.02272910515175146}],"sentiment":"neutral","sentiment_score":-0.1382082025334239,"num_words":100,"start":2174.2302,"end":2204.3901},{"sentences":[{"text":"So it is also dependent on your qualification.","start":2204.3901,"end":2207.29,"sentiment":"neutral","sentiment_score":-0.012644000351428986},{"text":"So it is one that is harder to claim on, but it can also have a massive financial impact because if something were to happen and, yes, I know you're not working right now, but if you ever wanted to go back, that could have a big financial impact because then you're not gonna have any any income until, you know.","start":2208.1501,"end":2228.6938,"sentiment":"neutral","sentiment_score":-0.26380833977314294},{"text":"So Yeah.","start":2231.1975,"end":2239.625,"sentiment":"neutral","sentiment_score":0.045781150460243225},{"text":"Yes.","start":2239.925,"end":2240.425,"sentiment":"neutral","sentiment_score":0.11534905433654784},{"text":"Yeah.","start":2245.7651,"end":2246.2651,"sentiment":"neutral","sentiment_score":0.006181621924042702}],"sentiment":"neutral","sentiment_score":-0.2189091472848229,"num_words":73,"start":2204.3901,"end":2246.2651},{"sentences":[{"text":"Yeah.","start":2249.22,"end":2249.72,"sentiment":"neutral","sentiment_score":-0.08300209045410156},{"text":"Yeah.","start":2255.14,"end":2255.64,"sentiment":"neutral","sentiment_score":0.03149223327636719},{"text":"Yeah.","start":2256.66,"end":2257.16,"sentiment":"neutral","sentiment_score":0.029597977176308632},{"text":"Yeah.","start":2259.94,"end":2260.44,"sentiment":"neutral","sentiment_score":0.14330872893333435},{"text":"Yes.","start":2262.995,"end":2263.495,"sentiment":"neutral","sentiment_score":-0.08454829454421997}],"sentiment":"neutral","sentiment_score":0.007369710877537727,"num_words":5,"start":2249.22,"end":2263.495},{"sentences":[{"text":"Mhmm.","start":2269.7952,"end":2270.2952,"sentiment":"neutral","sentiment_score":-0.18407848477363584},{"text":"So this will be more sorry for you.","start":2273.475,"end":2275.3352,"sentiment":"negative","sentiment_score":-0.43201521039009094},{"text":"Yes.","start":2288.885,"end":2289.385,"sentiment":"neutral","sentiment_score":-0.10224030166864397},{"text":"Mhmm.","start":2291.205,"end":2291.705,"sentiment":"neutral","sentiment_score":-0.110346257686615},{"text":"Mhmm.","start":2298.635,"end":2298.885,"sentiment":"neutral","sentiment_score":-0.03901980072259903}],"sentiment":"neutral","sentiment_score":-0.32431721066435176,"num_words":12,"start":2269.7952,"end":2298.885},{"sentences":[{"text":"Yes.","start":2298.885,"end":2299.135,"sentiment":"neutral","sentiment_score":0.006949065253138542},{"text":"Mhmm.","start":2299.135,"end":2299.635,"sentiment":"neutral","sentiment_score":-0.02234702929854393},{"text":"Okay.","start":2301.86,"end":2302.36,"sentiment":"neutral","sentiment_score":-0.0481005534529686},{"text":"Yes.","start":2314.035,"end":2314.535,"sentiment":"neutral","sentiment_score":-0.02140280231833458},{"text":"Like, more like Parkinson's or Alzheimer's or something like those.","start":2314.675,"end":2318.135,"sentiment":"neutral","sentiment_score":-0.08852171041071415}],"sentiment":"neutral","sentiment_score":-0.06929417313741786,"num_words":14,"start":2298.885,"end":2318.135},{"sentences":[{"text":"Yeah.","start":2318.275,"end":2318.775,"sentiment":"neutral","sentiment_score":-0.04394335299730301},{"text":"So what I can do mhmm.","start":2320.355,"end":2323.095,"sentiment":"neutral","sentiment_score":-0.13742933546503386},{"text":"Mhmm.","start":2327.97,"end":2328.47,"sentiment":"neutral","sentiment_score":-0.05096695199608803},{"text":"So for the time being, would you like me to get quotes anyway?","start":2338.865,"end":2342.385,"sentiment":"neutral","sentiment_score":0.07581011836345379},{"text":"So we'll cancel the IP for you.","start":2342.385,"end":2344.165,"sentiment":"neutral","sentiment_score":-0.05270228801029069}],"sentiment":"neutral","sentiment_score":-0.010816814111811774,"num_words":28,"start":2318.275,"end":2344.165},{"sentences":[{"text":"Do you wanna cancel TPD as well, or would you happy for me first to get quotes for $3.50 and 600?","start":2344.225,"end":2350.405,"sentiment":"neutral","sentiment_score":0.06346605434304192},{"text":"And then you can see what are the premium Yes.","start":2350.8098,"end":2360.97,"sentiment":"neutral","sentiment_score":0.06196342743933201},{"text":"Because you were work yeah.","start":2360.97,"end":2362.73,"sentiment":"neutral","sentiment_score":-0.014144011586904526},{"text":"You were working at the time when we applied for the cover, and it's just to say that you cannot go back to work.","start":2362.73,"end":2368.525,"sentiment":"neutral","sentiment_score":-0.20138779670620957},{"text":"Yep.","start":2370.7449,"end":2371.2449,"sentiment":"neutral","sentiment_score":0.04076685383915901}],"sentiment":"neutral","sentiment_score":-0.047718670646675294,"num_words":61,"start":2344.225,"end":2371.2449},{"sentences":[{"text":"Yeah.","start":2372.345,"end":2372.845,"sentiment":"neutral","sentiment_score":0.03869517147541046},{"text":"It's only if you it's you you more have trauma cover in those instances.","start":2389.32,"end":2394.645,"sentiment":"neutral","sentiment_score":-0.18005437084606715},{"text":"If you have, let's say, breast cancer and it develops badly and you can never a doctor deems that you are never able to go back to work again, TPD.","start":2396.065,"end":2407.74,"sentiment":"neutral","sentiment_score":-0.3248470077912013},{"text":"So it depends on but then often, we have clients where like, I have quite a few clients who have had breast cancer that is in remission, and they are working now.","start":2408.52,"end":2417.1602,"sentiment":"neutral","sentiment_score":-0.06395007134415209},{"text":"So it also and then you're not gonna get TPD.","start":2417.1602,"end":2419.1602,"sentiment":"neutral","sentiment_score":-0.10361803509294987}],"sentiment":"neutral","sentiment_score":-0.17597768836836705,"num_words":87,"start":2372.345,"end":2419.1602},{"sentences":[{"text":"The same with heart attack.","start":2419.1602,"end":2420.12,"sentiment":"neutral","sentiment_score":-0.1499580666422844},{"text":"If you have a really, really bad heart attack and like, stroke or something like that and that impacts your ability to ever go back to work again, you will be paid out.","start":2420.12,"end":2429.3052,"sentiment":"neutral","sentiment_score":-0.1974873703086015},{"text":"But if you have a heart attack, take some time off, and then you are fit to go back to work after a while, you're not gonna get TPD.","start":2429.3052,"end":2438.21,"sentiment":"neutral","sentiment_score":-0.20900236018772783},{"text":"Does that make sense?","start":2440.27,"end":2441.33,"sentiment":"neutral","sentiment_score":-0.014779801946133375},{"text":"Yeah.","start":2443.47,"end":2443.97,"sentiment":"neutral","sentiment_score":-0.03453579545021057}],"sentiment":"neutral","sentiment_score":-0.1864110694732517,"num_words":72,"start":2419.1602,"end":2443.97},{"sentences":[{"text":"Yes.","start":2449.2449,"end":2449.565,"sentiment":"neutral","sentiment_score":0.0540187768638134},{"text":"But CPD and life is a lot cheaper than your income protection.","start":2449.565,"end":2454.385,"sentiment":"neutral","sentiment_score":0.010208810679614544},{"text":"Income protection is the cost the most.","start":2454.845,"end":2457.005,"sentiment":"neutral","sentiment_score":-0.19239017367362976},{"text":"So what I can do first for you so you at least can see it and think about it is that we'll cancel IP, and I can get quotes for $605.03 50 for you as a starting point.","start":2457.005,"end":2468.3098,"sentiment":"neutral","sentiment_score":0.026605593432721338},{"text":"That way you have the information, and I can also get an alternative for you if you only wanted to have life.","start":2468.45,"end":2475.255,"sentiment":"neutral","sentiment_score":0.1738582935861566}],"sentiment":"neutral","sentiment_score":0.04582110373303294,"num_words":80,"start":2449.2449,"end":2475.255},{"sentences":[{"text":"And then that way, you have all the quotes and all the options, and then you can see what you would like to do.","start":2475.255,"end":2481.355,"sentiment":"neutral","sentiment_score":0.16303035461654267},{"text":"It might even actually tell you on the so in the document, if we go back into that email, you should have a MLC COC.","start":2489.19,"end":2500.7449,"sentiment":"neutral","sentiment_score":0.02257989563047886},{"text":"So MLC certificate of currency.","start":2501.125,"end":2502.885,"sentiment":"neutral","sentiment_score":0.051526591181755066},{"text":"Now this typically breaks down all of the insurances in more detail.","start":2502.885,"end":2506.905,"sentiment":"neutral","sentiment_score":0.04578325028220812},{"text":"Sometimes it tells you just a combined value, but sometimes it shows you the, yes, the breakdown.","start":2507.2048,"end":2514.69,"sentiment":"neutral","sentiment_score":0.026177951627794432}],"sentiment":"neutral","sentiment_score":0.06902750648827438,"num_words":83,"start":2475.255,"end":2514.69},{"sentences":[{"text":"So here you can actually see yes.","start":2514.69,"end":2518.1301,"sentiment":"neutral","sentiment_score":0.03648507967591286},{"text":"So you can so you can actually see here that your life cover is 600 and so I am on page two.","start":2518.1301,"end":2524.39,"sentiment":"neutral","sentiment_score":0.028118554926054043},{"text":"If you wanna scroll down to page two, you can see your life cover.","start":2525.265,"end":2528.565,"sentiment":"neutral","sentiment_score":0.04688202776014805},{"text":"You can see your TPD cover, and you can see your income protection.","start":2529.025,"end":2532.005,"sentiment":"neutral","sentiment_score":0.06833839674408619},{"text":"Yes.","start":2547.6,"end":2548.1,"sentiment":"neutral","sentiment_score":0.039441078901290894}],"sentiment":"neutral","sentiment_score":0.0431261823038783,"num_words":57,"start":2514.69,"end":2548.1},{"sentences":[{"text":"Yep.","start":2561.055,"end":2561.135,"sentiment":"neutral","sentiment_score":-0.03739006817340851},{"text":"So that so the waiting period would be if so on the income protection, the waiting period means that you need to be off work and have to wait the thirty days before you get the policy paid out.","start":2561.135,"end":2578.385,"sentiment":"neutral","sentiment_score":-0.04721772408065123},{"text":"Yep.","start":2580.125,"end":2580.625,"sentiment":"neutral","sentiment_score":-0.0016804959159344437},{"text":"No.","start":2582.605,"end":2582.765,"sentiment":"neutral","sentiment_score":-0.059999994933605194},{"text":"That's okay.","start":2582.765,"end":2583.505,"sentiment":"neutral","sentiment_score":-0.02362879691645503}],"sentiment":"neutral","sentiment_score":-0.045177713454574005,"num_words":44,"start":2561.055,"end":2583.505},{"sentences":[{"text":"Yeah.","start":2584.285,"end":2584.785,"sentiment":"neutral","sentiment_score":-0.014049877412617208},{"text":"Yeah.","start":2587.98,"end":2588.06,"sentiment":"neutral","sentiment_score":-0.013995066285133362},{"text":"Yeah.","start":2588.06,"end":2588.3801,"sentiment":"neutral","sentiment_score":-0.02442389912903309},{"text":"No.","start":2588.3801,"end":2588.7,"sentiment":"neutral","sentiment_score":-0.051430653780698776},{"text":"I get you.","start":2588.7,"end":2589.52,"sentiment":"neutral","sentiment_score":-0.012192069863279661}],"sentiment":"neutral","sentiment_score":-0.020067958028188775,"num_words":7,"start":2584.285,"end":2589.52},{"sentences":[{"text":"Mhmm.","start":2599.595,"end":2600.095,"sentiment":"neutral","sentiment_score":0.006311355624347925},{"text":"Okay.","start":2601.275,"end":2601.775,"sentiment":"neutral","sentiment_score":0.015771474689245224},{"text":"So for so for the the other so I can, obviously, I can either hold off until you've spoken to him and you can send me an email what you wanna do.","start":2603.9949,"end":2614.51,"sentiment":"neutral","sentiment_score":0.002698979471460916},{"text":"Or if you would like me to continue putting the research together for you, obviously, your superannuation, show you the comparison, and cancel IP, I can put a proposal together for cancel IP and all your super investments.","start":2614.51,"end":2628.055,"sentiment":"neutral","sentiment_score":0.011124000443439735},{"text":"Leave life and TPD for now, and then we can if you wanna make any further changes to TPD in life, we can then do that.","start":2628.275,"end":2637.1548,"sentiment":"neutral","sentiment_score":0.010897358521245994}],"sentiment":"neutral","sentiment_score":0.008311158283708655,"num_words":98,"start":2599.595,"end":2637.1548},{"sentences":[{"text":"But then at least the others aren't just being, like, put on pause.","start":2637.1548,"end":2640.115,"sentiment":"neutral","sentiment_score":-0.0363458741742831},{"text":"Would you want that?","start":2640.115,"end":2641.7148,"sentiment":"neutral","sentiment_score":-0.02186413505114615},{"text":"Yep.","start":2641.7148,"end":2642.2148,"sentiment":"neutral","sentiment_score":0.18238918483257296},{"text":"Okay.","start":2642.71,"end":2643.21,"sentiment":"neutral","sentiment_score":0.2606399953365326},{"text":"Great.","start":2643.4302,"end":2643.9302,"sentiment":"positive","sentiment_score":0.5286503434181213}],"sentiment":"neutral","sentiment_score":0.0205863309558481,"num_words":20,"start":2637.1548,"end":2643.9302},{"sentences":[{"text":"Perfect.","start":2644.87,"end":2645.37,"sentiment":"neutral","sentiment_score":0.3089944124221802},{"text":"Otherwise, if we go back to your email, you should then have the one where it says twelve month hub IRR.","start":2647.03,"end":2653.45,"sentiment":"neutral","sentiment_score":0.06774815030041195},{"text":"Now this is the one that shows you how your portfolio has performed and everything in the last twelve months.","start":2655.765,"end":2662.585,"sentiment":"neutral","sentiment_score":0.1393219280987978},{"text":"So let me know when you can open that one.","start":2664.165,"end":2666.425,"sentiment":"neutral","sentiment_score":0.09096460752189159},{"text":"Yep.","start":2668.23,"end":2668.6301,"sentiment":"neutral","sentiment_score":0.14724016189575195}],"sentiment":"neutral","sentiment_score":0.10518925222304631,"num_words":53,"start":2644.87,"end":2668.6301},{"sentences":[{"text":"Perfect.","start":2668.6301,"end":2669.1301,"sentiment":"neutral","sentiment_score":0.06539168953895569},{"text":"Now sometimes it does look a little bit messy because it shows you all your individual investments, how they have performed, and what has happened in the last twelve months.","start":2669.19,"end":2678.565,"sentiment":"neutral","sentiment_score":-0.06330901887267829},{"text":"Now you've touched on as well that in the last twelve months, we have seen a bit of fluctuations in the market and in the world, and we do have you invest in a high growth portfolio.","start":2679.125,"end":2687.625,"sentiment":"neutral","sentiment_score":-0.0018316736897906743},{"text":"So in the last twelve months now this, the one where it says internal rate of return, I'm sorry, the second column to the right shows you your yes.","start":2688.645,"end":2701.7898,"sentiment":"neutral","sentiment_score":0.033940940709977316},{"text":"That shows you everything after fees.","start":2701.7898,"end":2704.395,"sentiment":"neutral","sentiment_score":0.05763420897225539}],"sentiment":"neutral","sentiment_score":-0.005549109405250225,"num_words":103,"start":2668.6301,"end":2704.395},{"sentences":[{"text":"So that is after adviser fees, admin fees, everything.","start":2704.395,"end":2707.5352,"sentiment":"neutral","sentiment_score":0.07360899158649975},{"text":"So even though it has been a turbulent last twelve months, after fees, it's still gone up by more than 1%.","start":2708.155,"end":2715.135,"sentiment":"neutral","sentiment_score":-0.047285607794211024},{"text":"Still about that 2.62.","start":2715.995,"end":2718.655,"sentiment":"neutral","sentiment_score":0.030117152258753777},{"text":"Now if you go up to the first page, it can then show you all your individual investments.","start":2721.01,"end":2726.47,"sentiment":"neutral","sentiment_score":0.19526074040267202},{"text":"So the one that has a bracket next to it are the one that's down.","start":2727.3298,"end":2732.405,"sentiment":"neutral","sentiment_score":0.0772751286625862}],"sentiment":"neutral","sentiment_score":0.06662346308689508,"num_words":67,"start":2704.395,"end":2732.405},{"sentences":[{"text":"All the rest are positive.","start":2732.945,"end":2734.725,"sentiment":"positive","sentiment_score":0.37414419651031494},{"text":"So you can see here that the Benelon Australian equity is underperforming a little bit at the moment, and I think that was probably the one that my colleague mentioned to you.","start":2735.905,"end":2744.645,"sentiment":"neutral","sentiment_score":-0.09792120172642171},{"text":"And I would like to look at potentially changing, but I wanna do all the research as well first for you.","start":2745.53,"end":2751.63,"sentiment":"neutral","sentiment_score":0.0958199490393911},{"text":"And then you can see all your other investments.","start":2752.33,"end":2754.3499,"sentiment":"neutral","sentiment_score":0.20063498119513193},{"text":"So you can see that some has done crazy.","start":2754.81,"end":2757.15,"sentiment":"neutral","sentiment_score":0.2522999462154176}],"sentiment":"neutral","sentiment_score":0.06349836583984525,"num_words":76,"start":2732.945,"end":2757.15},{"sentences":[{"text":"Like, you can see the battery, tech, and lithium, that's at 85%.","start":2757.29,"end":2761.855,"sentiment":"neutral","sentiment_score":0.12850448489189148},{"text":"This one is one that is a little bit more fluctuating.","start":2762.475,"end":2765.215,"sentiment":"neutral","sentiment_score":-0.033482550558718766},{"text":"It is more of your speculative investments, but, obviously, at the moment with the fuel prices and electric vehicles, that one has come through the roof.","start":2766.155,"end":2774.175,"sentiment":"neutral","sentiment_score":-0.021569269351088084},{"text":"Does it all make sense so far?","start":2777.31,"end":2778.93,"sentiment":"neutral","sentiment_score":0.11342895030975342},{"text":"No.","start":2785.79,"end":2786.19,"sentiment":"neutral","sentiment_score":-0.08755627274513245}],"sentiment":"neutral","sentiment_score":0.02314721296230952,"num_words":57,"start":2757.29,"end":2786.19},{"sentences":[{"text":"That's okay.","start":2786.19,"end":2787.01,"sentiment":"neutral","sentiment_score":-0.001720217987895011},{"text":"So part of the proposal I will put together is to review this more in-depth as well to see if we want to make changes, if now is the best time, and also if there's going to be any tax consequences by doing it.","start":2787.9248,"end":2803.22,"sentiment":"neutral","sentiment_score":0.09486787393689156},{"text":"So I wanna factor everything in, and if so, show you the changes in fees and performance and returns and everything like that.","start":2803.22,"end":2810.76,"sentiment":"neutral","sentiment_score":0.16300740805657013},{"text":"Now with your investments, because you are in a high growth portfolio at the moment, what I would like to do is just run through a couple of questions with you.","start":2812.26,"end":2821.115,"sentiment":"neutral","sentiment_score":0.14154474413202656},{"text":"It's multiple choice.","start":2821.115,"end":2822.415,"sentiment":"neutral","sentiment_score":0.16459792852401733}],"sentiment":"neutral","sentiment_score":0.1242873520020721,"num_words":103,"start":2786.19,"end":2822.415},{"sentences":[{"text":"There's no right or wrong answer.","start":2822.955,"end":2824.475,"sentiment":"neutral","sentiment_score":-0.15004241280257702},{"text":"It's just to see if we should change it or if you're still comfortable with the level of risk.","start":2824.475,"end":2831.42,"sentiment":"neutral","sentiment_score":-0.0711335557463922},{"text":"So if you don't mind, it's just a couple of multiple choice.","start":2831.8801,"end":2834.84,"sentiment":"neutral","sentiment_score":0.1600419624398152},{"text":"If it doesn't make sense, just let me know.","start":2834.84,"end":2836.84,"sentiment":"neutral","sentiment_score":-0.03394654087929262},{"text":"Okay?","start":2836.84,"end":2837.08,"sentiment":"neutral","sentiment_score":0.07516086101531982}],"sentiment":"neutral","sentiment_score":-0.011949925396115856,"num_words":47,"start":2822.955,"end":2837.08},{"sentences":[{"text":"But it's all multiple choice.","start":2837.08,"end":2838.62,"sentiment":"neutral","sentiment_score":0.1433160960674286},{"text":"Now, Shannon, have you ever bought direct shares yourself?","start":2841.095,"end":2845.4348,"sentiment":"neutral","sentiment_score":0.0416371983786424},{"text":"Have you bought on the stock market into nope.","start":2845.655,"end":2849.275,"sentiment":"neutral","sentiment_score":-0.04928963527911239},{"text":"And at the moment, when do you think you would like to access your super?","start":2851.095,"end":2858.84,"sentiment":"neutral","sentiment_score":0.009397237499554952},{"text":"Do you want to add 60 when you can if you're not working?","start":2859.3801,"end":2863.32,"sentiment":"neutral","sentiment_score":-0.031023855679310285}],"sentiment":"neutral","sentiment_score":0.007556019350886345,"num_words":51,"start":2837.08,"end":2863.32},{"sentences":[{"text":"Do you think you'd wanna wait to, like, 65?","start":2863.46,"end":2866.34,"sentiment":"neutral","sentiment_score":-0.09441445064213541},{"text":"Or you have any idea when a time frame of when you wanna start drawing an income from your superannuation?","start":2866.34,"end":2871.765,"sentiment":"neutral","sentiment_score":0.017152157332748174},{"text":"So 60?","start":2875.905,"end":2876.565,"sentiment":"neutral","sentiment_score":-0.008298801258206367},{"text":"For now anyway.","start":2877.1848,"end":2878.1648,"sentiment":"neutral","sentiment_score":-0.018765831366181374},{"text":"Yep.","start":2878.785,"end":2879.265,"sentiment":"neutral","sentiment_score":0.047242339700460434}],"sentiment":"neutral","sentiment_score":-0.015209704743964332,"num_words":35,"start":2863.46,"end":2879.265},{"sentences":[{"text":"Perfect.","start":2879.265,"end":2879.765,"sentiment":"neutral","sentiment_score":0.12483029067516328},{"text":"Yes.","start":2888.0,"end":2888.5,"sentiment":"neutral","sentiment_score":-0.018403930589556698},{"text":"Yeah.","start":2889.92,"end":2890.42,"sentiment":"neutral","sentiment_score":-0.1407611072063446},{"text":"Sounds a bit miserable.","start":2898.1748,"end":2899.315,"sentiment":"negative","sentiment_score":-0.6137176603078842},{"text":"Yeah.","start":2899.375,"end":2899.875,"sentiment":"neutral","sentiment_score":-0.25342535972595215}],"sentiment":"negative","sentiment_score":-0.3428288435097784,"num_words":8,"start":2879.265,"end":2899.875},{"sentences":[{"text":"Yeah.","start":2914.24,"end":2914.72,"sentiment":"neutral","sentiment_score":-0.09096547961235046},{"text":"Yeah.","start":2914.72,"end":2915.22,"sentiment":"neutral","sentiment_score":-0.095146544277668},{"text":"And and you have that choice.","start":2918.335,"end":2919.855,"sentiment":"neutral","sentiment_score":0.04280299320816994},{"text":"So with the current legislation, you can access if you are not working, you can access all of your superannuation completely tax free at the age of 60.","start":2919.855,"end":2929.555,"sentiment":"neutral","sentiment_score":0.1523076339757868},{"text":"The 60 seven is if you are, yeah, eligible for age pension.","start":2930.01,"end":2934.19,"sentiment":"neutral","sentiment_score":0.10544768441468477}],"sentiment":"neutral","sentiment_score":0.11668108124285936,"num_words":48,"start":2914.24,"end":2934.19},{"sentences":[{"text":"If you are working, there is you can access some super up to 10% under a transition to retirement between 60 and 65.","start":2934.73,"end":2944.19,"sentiment":"neutral","sentiment_score":0.20310035931027454},{"text":"But if you are not working, you can take the whole lump sum out if you want to at 60 tax free.","start":2944.365,"end":2951.185,"sentiment":"neutral","sentiment_score":-0.017251244915479965},{"text":"Yep.","start":2953.805,"end":2954.305,"sentiment":"positive","sentiment_score":0.43420910835266113},{"text":"And and you definitely have that option.","start":2981.52,"end":2983.2,"sentiment":"positive","sentiment_score":0.5408060465540204},{"text":"Like, let's see.","start":2983.2,"end":2984.08,"sentiment":"neutral","sentiment_score":0.23831146955490112}],"sentiment":"neutral","sentiment_score":0.16476011998020113,"num_words":56,"start":2934.73,"end":2984.08},{"sentences":[{"text":"You can do whatever you want.","start":2984.08,"end":2985.46,"sentiment":"neutral","sentiment_score":0.23923064768314362},{"text":"Often, I would just kind of air of caution that that if you're pretty pretty sat with you and your husband and you have a bit of a plan, that's good.","start":2985.6,"end":2993.3,"sentiment":"neutral","sentiment_score":0.21648024262920504},{"text":"The only way I would sometimes, you know, flag it with clients is if they have a lot of debts, for example, and they wanna take everything out, put it all, and pay out all the debt, and then they have nothing.","start":2993.6,"end":3002.9548,"sentiment":"neutral","sentiment_score":-0.10849670347358499},{"text":"And then they don't have eight pension until 67.","start":3003.095,"end":3005.835,"sentiment":"neutral","sentiment_score":-0.14485121187236574},{"text":"And then I'm like, well, you need to make sure that you can support yourself financially until 60 seven.","start":3005.895,"end":3011.275,"sentiment":"neutral","sentiment_score":-0.04225903180869002}],"sentiment":"neutral","sentiment_score":0.013858199537357438,"num_words":107,"start":2984.08,"end":3011.275},{"sentences":[{"text":"Yeah.","start":3015.96,"end":3016.46,"sentiment":"neutral","sentiment_score":-0.02912035398185253},{"text":"Yeah.","start":3017.72,"end":3018.22,"sentiment":"neutral","sentiment_score":0.09419656544923782},{"text":"Yeah.","start":3021.48,"end":3021.98,"sentiment":"neutral","sentiment_score":0.22020965814590457},{"text":"And if that works, you have you have that option at 60.","start":3022.0398,"end":3025.0,"sentiment":"neutral","sentiment_score":0.2642878020803134},{"text":"As soon as you turn 60, you can take everything tax free, and then you can do whatever you want.","start":3025.0,"end":3029.845,"sentiment":"neutral","sentiment_score":0.2404104769229889}],"sentiment":"neutral","sentiment_score":0.23614140094390937,"num_words":35,"start":3015.96,"end":3029.845},{"sentences":[{"text":"Doesn't sound too bad.","start":3035.905,"end":3037.125,"sentiment":"neutral","sentiment_score":-0.23755791783332825},{"text":"Yeah.","start":3042.3,"end":3042.8,"sentiment":"neutral","sentiment_score":0.001696472056210041},{"text":"It'll be Yeah.","start":3043.98,"end":3045.28,"sentiment":"neutral","sentiment_score":-0.0053880636890729266},{"text":"Alright, Pam.","start":3045.66,"end":3046.5598,"sentiment":"neutral","sentiment_score":0.19685988873243332},{"text":"Perfect.","start":3047.42,"end":3047.92,"sentiment":"positive","sentiment_score":0.4740502536296845}],"sentiment":"neutral","sentiment_score":-0.008811759931797326,"num_words":11,"start":3035.905,"end":3047.92},{"sentences":[{"text":"No.","start":3049.42,"end":3049.92,"sentiment":"neutral","sentiment_score":-0.11811983585357666},{"text":"Yeah.","start":3079.5752,"end":3080.0752,"sentiment":"neutral","sentiment_score":-0.2874075770378113},{"text":"Yeah.","start":3084.695,"end":3085.195,"sentiment":"negative","sentiment_score":-0.3918505609035492},{"text":"That's horrible.","start":3085.5752,"end":3086.475,"sentiment":"negative","sentiment_score":-0.6356773972511292},{"text":"Yeah.","start":3086.8552,"end":3087.3552,"sentiment":"neutral","sentiment_score":-0.13869842886924744}],"sentiment":"negative","sentiment_score":-0.3679051995277405,"num_words":6,"start":3049.42,"end":3087.3552},{"sentences":[{"text":"And that's also typically what we we typically see that, obviously, the closer you get to wanting to take out your money, you might wanna start reducing that risk exposure because you don't have as much time for those fluctuations.","start":3089.19,"end":3100.33,"sentiment":"neutral","sentiment_score":-0.105574701866135},{"text":"So right now, thinking about your super, how much risk would you say that you're willing to take?","start":3101.205,"end":3107.145,"sentiment":"neutral","sentiment_score":-0.01895318620113863},{"text":"High risk, very high, moderate?","start":3107.8452,"end":3111.385,"sentiment":"neutral","sentiment_score":-0.05939778760075569},{"text":"Okay.","start":3113.3,"end":3113.8,"sentiment":"neutral","sentiment_score":-0.03991153836250305},{"text":"And at times, that's going to be the case depending on what's happening in the market.","start":3124.835,"end":3128.755,"sentiment":"neutral","sentiment_score":-0.11360429646447301}],"sentiment":"neutral","sentiment_score":-0.08398393307579681,"num_words":80,"start":3089.19,"end":3128.755},{"sentences":[{"text":"So with your high risk, high growth, risk profile, you are going to have certain years with going to be down.","start":3128.755,"end":3136.755,"sentiment":"neutral","sentiment_score":-0.10441985761835462},{"text":"Other years are going to be really good.","start":3136.755,"end":3138.72,"sentiment":"neutral","sentiment_score":-0.02300938544794917},{"text":"So you will have a lot more of those fluctuations.","start":3138.96,"end":3141.06,"sentiment":"neutral","sentiment_score":-0.018804997205734253},{"text":"So if we look at, you say, your balance growth are more defensive, other times, especially when there's a lot of fluctuations in the market, especially, you know, the last twelve months where there's been a bit of ups and downs, some defensive are doing really well.","start":3141.28,"end":3156.0151,"sentiment":"neutral","sentiment_score":-0.010016239268031525},{"text":"But over other years, not so good.","start":3156.235,"end":3158.955,"sentiment":"neutral","sentiment_score":-0.15538193604775838}],"sentiment":"neutral","sentiment_score":-0.04433740713503412,"num_words":93,"start":3128.755,"end":3158.955},{"sentences":[{"text":"So high growth is your your long term.","start":3158.955,"end":3161.675,"sentiment":"neutral","sentiment_score":0.004359710634162184},{"text":"So when we are looking at it, we are looking over a longer period of time to assess it.","start":3161.675,"end":3166.715,"sentiment":"neutral","sentiment_score":0.0031541429067912853},{"text":"Because during so it is very hard to say depending on, obviously, what is happening in the world and the market.","start":3166.715,"end":3183.75,"sentiment":"neutral","sentiment_score":-0.14800868830865338},{"text":"But typically speaking, in a high growth portfolio, you're going to have, I think it's about one in five years or down, the rest predicted, again, depending on what is happening.","start":3183.75,"end":3196.085,"sentiment":"neutral","sentiment_score":-0.037719934938415405},{"text":"The rest are going to be positive.","start":3196.145,"end":3197.685,"sentiment":"positive","sentiment_score":0.33333730910505566}],"sentiment":"neutral","sentiment_score":-0.021503870622498568,"num_words":86,"start":3158.955,"end":3197.685},{"sentences":[{"text":"You want long term that those evens out.","start":3198.09,"end":3201.6902,"sentiment":"positive","sentiment_score":0.3351637218147516},{"text":"So overall, even though on a short term basis, you're going to see more fluctuations than if you are in a more defensive investment.","start":3201.6902,"end":3208.99,"sentiment":"neutral","sentiment_score":-0.09129272991170485},{"text":"But overall, over a longer period of time, you're wanting to be better off.","start":3209.37,"end":3213.7102,"sentiment":"neutral","sentiment_score":-0.061207404626267295},{"text":"Because, otherwise, what's the point taking on the the short term risk if you're not getting that?","start":3213.9849,"end":3218.4849,"sentiment":"negative","sentiment_score":-0.3480857260086957},{"text":"So part of the research, I wanna look at your thematic investments as well to see if you are taking risk with some investment that's not needed and if we needed to change it.","start":3218.945,"end":3230.82,"sentiment":"neutral","sentiment_score":-0.0627707189277691}],"sentiment":"neutral","sentiment_score":-0.08678640406002704,"num_words":97,"start":3198.09,"end":3230.82},{"sentences":[{"text":"So I will kind of deep dive into the investment.","start":3230.8801,"end":3233.22,"sentiment":"neutral","sentiment_score":0.03836587257683277},{"text":"But in terms of the allocation on how much goes in what sector is what these questions kind of determine for you.","start":3234.1602,"end":3244.365,"sentiment":"neutral","sentiment_score":0.03372646935961463},{"text":"Because at the moment in a high growth portfolio, we see 90%.","start":3244.365,"end":3249.1848,"sentiment":"neutral","sentiment_score":0.04661486530676484},{"text":"Now, actually, if you want to go back to your emails, because sometimes this makes it a bit easier, if you wanna open that Vanguard index chart for me.","start":3249.4849,"end":3257.94,"sentiment":"neutral","sentiment_score":0.11622617702031958},{"text":"That's okay.","start":3277.935,"end":3278.7551,"sentiment":"neutral","sentiment_score":0.06442539021372795}],"sentiment":"neutral","sentiment_score":0.06912572465837002,"num_words":75,"start":3230.8801,"end":3278.7551},{"sentences":[{"text":"So so like, what yeah.","start":3279.32,"end":3284.94,"sentiment":"neutral","sentiment_score":0.050071269273757935},{"text":"So s and p five hundred, just to give you one example.","start":3287.8,"end":3291.1,"sentiment":"neutral","sentiment_score":0.035221636605759464},{"text":"Yes.","start":3292.2651,"end":3292.7651,"sentiment":"neutral","sentiment_score":0.18388985097408295},{"text":"Yep.","start":3293.625,"end":3294.125,"sentiment":"neutral","sentiment_score":0.02140056900680065},{"text":"A little bit more they have a lot of different portfolios.","start":3303.72,"end":3311.42,"sentiment":"neutral","sentiment_score":-0.040056324140592056}],"sentiment":"neutral","sentiment_score":0.014589561335742473,"num_words":30,"start":3279.32,"end":3311.42},{"sentences":[{"text":"Yeah.","start":3311.8,"end":3312.3,"sentiment":"neutral","sentiment_score":0.006162483245134354},{"text":"What's in them?","start":3319.8152,"end":3320.7751,"sentiment":"neutral","sentiment_score":-0.025163543100158375},{"text":"Yeah.","start":3320.7751,"end":3321.2751,"sentiment":"neutral","sentiment_score":0.010627169162034988},{"text":"So what what I'll do as well is when I do because I do wanna, like I said, go a bit more into the investments for you and see if we need to make changes.","start":3321.655,"end":3328.5552,"sentiment":"neutral","sentiment_score":0.12339430791991098},{"text":"The ones that I will recommend, I will include investment links for them as well.","start":3328.7751,"end":3334.36,"sentiment":"neutral","sentiment_score":0.1870451658964157}],"sentiment":"neutral","sentiment_score":0.12846867797726935,"num_words":55,"start":3311.8,"end":3334.36},{"sentences":[{"text":"So I'll go and expect when I do if I do recommend changes, I will go through them in a little bit more in-depth with you to give you a bit of an overview of what is in it, a couple of examples.","start":3334.36,"end":3344.905,"sentiment":"neutral","sentiment_score":0.16396639426780302},{"text":"But then, also, I will give you so you can read when you have a moment on everything because some of them have hundreds of different options in there.","start":3345.125,"end":3353.765,"sentiment":"neutral","sentiment_score":0.08785553803217822},{"text":"Some has a lot less.","start":3353.765,"end":3355.065,"sentiment":"neutral","sentiment_score":-0.011675387807190418},{"text":"So I will include all the research material as well for you so that you can click an ECC if you wanted to have a bit more in-depth of what is actually in it before you then decide what you would like to do.","start":3355.32,"end":3367.1,"sentiment":"neutral","sentiment_score":0.13061287491159004},{"text":"No.","start":3369.895,"end":3370.055,"sentiment":"neutral","sentiment_score":-0.09819434583187105}],"sentiment":"neutral","sentiment_score":0.12449803907943309,"num_words":122,"start":3334.36,"end":3370.055},{"sentences":[{"text":"That's okay.","start":3370.055,"end":3370.955,"sentiment":"neutral","sentiment_score":-0.09590800106525421},{"text":"I'm sorry, Shannon.","start":3371.415,"end":3372.4749,"sentiment":"neutral","sentiment_score":-0.11239178230365117},{"text":"When it comes through yeah.","start":3372.535,"end":3373.815,"sentiment":"neutral","sentiment_score":-0.051143326610326764},{"text":"At the moment, thinking about risk, did you say you are more towards your still high growth you're comfortable with when we are just talking about it from a back end point of view?","start":3373.815,"end":3384.81,"sentiment":"neutral","sentiment_score":-0.029033398913110003},{"text":"Okay.","start":3385.19,"end":3385.69,"sentiment":"neutral","sentiment_score":0.01016809418797493}],"sentiment":"neutral","sentiment_score":-0.03914834335446358,"num_words":45,"start":3370.055,"end":3385.69},{"sentences":[{"text":"The right ones.","start":3390.55,"end":3391.45,"sentiment":"neutral","sentiment_score":0.041072036450107895},{"text":"Yes.","start":3391.59,"end":3392.09,"sentiment":"neutral","sentiment_score":0.1855294555425644},{"text":"Mhmm.","start":3405.925,"end":3406.425,"sentiment":"neutral","sentiment_score":-0.02666148543357849},{"text":"Yeah.","start":3408.49,"end":3408.99,"sentiment":"neutral","sentiment_score":0.054708607494831085},{"text":"Mhmm.","start":3411.6099,"end":3412.1099,"sentiment":"neutral","sentiment_score":0.02561762742698193}],"sentiment":"neutral","sentiment_score":0.05177290205444608,"num_words":7,"start":3390.55,"end":3412.1099},{"sentences":[{"text":"Yeah.","start":3412.65,"end":3413.15,"sentiment":"neutral","sentiment_score":0.06594212353229523},{"text":"Yeah.","start":3418.25,"end":3418.75,"sentiment":"neutral","sentiment_score":0.0196368470788002},{"text":"Mhmm.","start":3423.995,"end":3424.495,"sentiment":"neutral","sentiment_score":0.01260840892791748},{"text":"Mhmm.","start":3428.555,"end":3429.055,"sentiment":"neutral","sentiment_score":-0.09783291816711426},{"text":"Okay.","start":3430.395,"end":3430.895,"sentiment":"neutral","sentiment_score":-0.07849589735269547}],"sentiment":"neutral","sentiment_score":-0.015628287196159364,"num_words":5,"start":3412.65,"end":3430.895},{"sentences":[{"text":"Yep.","start":3430.955,"end":3431.455,"sentiment":"neutral","sentiment_score":-0.04908834397792816},{"text":"No.","start":3431.515,"end":3431.755,"sentiment":"neutral","sentiment_score":-0.20405924320220947},{"text":"That's totally messed up.","start":3431.755,"end":3433.055,"sentiment":"negative","sentiment_score":-0.3627711534500122},{"text":"Yeah.","start":3433.275,"end":3433.775,"sentiment":"neutral","sentiment_score":-0.059073556214571},{"text":"Yes.","start":3436.22,"end":3436.72,"sentiment":"neutral","sentiment_score":-0.025867698714137077}],"sentiment":"neutral","sentiment_score":-0.22364668198861182,"num_words":8,"start":3430.955,"end":3436.72},{"sentences":[{"text":"Mhmm.","start":3446.395,"end":3446.895,"sentiment":"neutral","sentiment_score":-0.1805141568183899},{"text":"Yes.","start":3449.7551,"end":3450.235,"sentiment":"neutral","sentiment_score":0.011174827814102173},{"text":"Oh, that's why you have us to help you with as well.","start":3450.235,"end":3453.135,"sentiment":"neutral","sentiment_score":-0.01228296539435784},{"text":"And that's also why you have okay.","start":3454.875,"end":3461.31,"sentiment":"neutral","sentiment_score":-0.09003176912665367},{"text":"Mhmm.","start":3463.37,"end":3463.87,"sentiment":"neutral","sentiment_score":0.08608952164649963}],"sentiment":"neutral","sentiment_score":-0.03913035345348445,"num_words":22,"start":3446.395,"end":3463.87},{"sentences":[{"text":"Yep.","start":3464.97,"end":3465.47,"sentiment":"neutral","sentiment_score":-0.07533421367406845},{"text":"Let's invest in crypto.","start":3472.025,"end":3473.4648,"sentiment":"neutral","sentiment_score":-0.007393769919872284},{"text":"Well, let's not.","start":3473.4648,"end":3474.4248,"sentiment":"neutral","sentiment_score":-0.22529310981432596},{"text":"Yeah.","start":3474.4248,"end":3474.9248,"sentiment":"neutral","sentiment_score":-0.11288560926914216},{"text":"Yeah.","start":3476.505,"end":3477.005,"sentiment":"neutral","sentiment_score":-0.0783255398273468}],"sentiment":"neutral","sentiment_score":-0.09719997718930244,"num_words":10,"start":3464.97,"end":3477.005},{"sentences":[{"text":"No.","start":3477.065,"end":3477.565,"sentiment":"neutral","sentiment_score":-0.21401727199554443},{"text":"No.","start":3477.7048,"end":3478.1848,"sentiment":"neutral","sentiment_score":-0.23472751677036283},{"text":"No neither.","start":3478.1848,"end":3479.005,"sentiment":"neutral","sentiment_score":-0.259344145655632},{"text":"Okay.","start":3479.625,"end":3479.9448,"sentiment":"neutral","sentiment_score":-0.033879879862070084},{"text":"Good.","start":3479.9448,"end":3480.1848,"sentiment":"neutral","sentiment_score":0.020627480000257492}],"sentiment":"neutral","sentiment_score":-0.16344757998983064,"num_words":6,"start":3477.065,"end":3480.1848},{"sentences":[{"text":"No.","start":3480.1848,"end":3480.4248,"sentiment":"neutral","sentiment_score":-0.03303087502717972},{"text":"That makes sense.","start":3480.4248,"end":3481.2249,"sentiment":"neutral","sentiment_score":0.0017606380085150402},{"text":"So We are comfortable.","start":3481.2249,"end":3483.005,"sentiment":"neutral","sentiment_score":0.001858775969594717},{"text":"Yeah.","start":3483.1448,"end":3483.545,"sentiment":"neutral","sentiment_score":0.07585416734218597},{"text":"We are comfortable with high growth, but it's reviewing the type of high growth investments and making sure that they are sound investments.","start":3483.545,"end":3490.56,"sentiment":"neutral","sentiment_score":0.09027625021079312}],"sentiment":"neutral","sentiment_score":0.06662168953334913,"num_words":32,"start":3480.1848,"end":3490.56},{"sentences":[{"text":"Yeah.","start":3491.02,"end":3491.52,"sentiment":"neutral","sentiment_score":0.09487801790237428},{"text":"Yes.","start":3493.74,"end":3494.24,"sentiment":"neutral","sentiment_score":0.10937561094760896},{"text":"Yes.","start":3496.06,"end":3496.56,"sentiment":"neutral","sentiment_score":0.11046994477510452},{"text":"Yes.","start":3502.635,"end":3502.795,"sentiment":"neutral","sentiment_score":-0.00925979670137167},{"text":"No.","start":3502.795,"end":3503.295,"sentiment":"neutral","sentiment_score":-0.14475032687187195}],"sentiment":"neutral","sentiment_score":0.032142690010368825,"num_words":5,"start":3491.02,"end":3503.295},{"sentences":[{"text":"I will not.","start":3503.355,"end":3504.095,"sentiment":"neutral","sentiment_score":-0.14342141399780908},{"text":"We don't.","start":3504.395,"end":3505.2148,"sentiment":"neutral","sentiment_score":-0.12508636340498924},{"text":"No.","start":3506.635,"end":3507.115,"sentiment":"neutral","sentiment_score":-0.22020789980888367},{"text":"We we don't include because it's way too speculative, and there's there's there's not there's not even an underlying asset behind it.","start":3507.115,"end":3513.45,"sentiment":"neutral","sentiment_score":-0.19234587116674942},{"text":"So how do you even pull that?","start":3513.53,"end":3514.73,"sentiment":"neutral","sentiment_score":-0.06500620980347906}],"sentiment":"neutral","sentiment_score":-0.15963707151157516,"num_words":35,"start":3503.355,"end":3514.73},{"sentences":[{"text":"Yeah.","start":3514.73,"end":3514.97,"sentiment":"neutral","sentiment_score":-0.03696081042289734},{"text":"How do you even pull value?","start":3514.97,"end":3516.19,"sentiment":"neutral","sentiment_score":-0.06403717336555322},{"text":"No.","start":3516.49,"end":3516.99,"sentiment":"neutral","sentiment_score":-0.26006200909614563},{"text":"No.","start":3519.6099,"end":3519.77,"sentiment":"neutral","sentiment_score":-0.2510377764701843},{"text":"Yes.","start":3519.77,"end":3520.27,"sentiment":"neutral","sentiment_score":-0.16287589073181152}],"sentiment":"neutral","sentiment_score":-0.10951595269143581,"num_words":10,"start":3514.73,"end":3520.27},{"sentences":[{"text":"No.","start":3521.29,"end":3521.79,"sentiment":"neutral","sentiment_score":-0.22676491737365723},{"text":"And that is the last thing we wanna do with your retirement.","start":3521.8499,"end":3524.91,"sentiment":"neutral","sentiment_score":-0.19906892627477646},{"text":"So no.","start":3525.29,"end":3525.945,"sentiment":"neutral","sentiment_score":-0.004580948501825333},{"text":"Definitely makes sense.","start":3526.2651,"end":3527.865,"sentiment":"neutral","sentiment_score":0.07604281852642696},{"text":"Alright.","start":3527.865,"end":3528.2651,"sentiment":"neutral","sentiment_score":0.3037547469139099}],"sentiment":"neutral","sentiment_score":-0.11015109090428603,"num_words":19,"start":3521.29,"end":3528.2651},{"sentences":[{"text":"Perfect.","start":3528.2651,"end":3528.665,"sentiment":"positive","sentiment_score":0.4341413378715515},{"text":"So I will reassess your high growth and look at it.","start":3528.665,"end":3532.425,"sentiment":"neutral","sentiment_score":0.13976493003693494},{"text":"So while I am looking at different options for you, I do wanted to check one thing with you because we have re I don't know if you've read our newsletter, so if it is something you read every now and then.","start":3532.425,"end":3544.11,"sentiment":"neutral","sentiment_score":0.009622564605836357},{"text":"No.","start":3546.81,"end":3547.05,"sentiment":"neutral","sentiment_score":-0.1532055139541626},{"text":"That's fine.","start":3547.05,"end":3547.87,"sentiment":"neutral","sentiment_score":-0.13028312847018242}],"sentiment":"neutral","sentiment_score":0.03441985106716553,"num_words":57,"start":3528.2651,"end":3547.87},{"sentences":[{"text":"Oh, Okay.","start":3549.37,"end":3560.285,"sentiment":"neutral","sentiment_score":-0.11576482281088829},{"text":"Communication?","start":3560.985,"end":3561.485,"sentiment":"neutral","sentiment_score":-0.08564019203186035},{"text":"Yes.","start":3563.145,"end":3563.645,"sentiment":"neutral","sentiment_score":-0.05461839213967323},{"text":"Okay.","start":3564.265,"end":3564.765,"sentiment":"neutral","sentiment_score":-0.09077297896146774},{"text":"Your email hasn't changed.","start":3566.13,"end":3568.15,"sentiment":"neutral","sentiment_score":-0.18637202680110931}],"sentiment":"neutral","sentiment_score":-0.13422770177324614,"num_words":9,"start":3549.37,"end":3568.15},{"sentences":[{"text":"Okay.","start":3569.89,"end":3570.39,"sentiment":"neutral","sentiment_score":-0.05570258945226669},{"text":"Yeah.","start":3574.3699,"end":3574.69,"sentiment":"neutral","sentiment_score":-0.015321251936256886},{"text":"So it's s h a n k e, yes, @hotmail.com.","start":3574.69,"end":3581.715,"sentiment":"neutral","sentiment_score":-0.012221790477633476},{"text":"Alright.","start":3581.715,"end":3581.875,"sentiment":"neutral","sentiment_score":0.000054282449127640575},{"text":"I will check with IT.","start":3581.875,"end":3583.735,"sentiment":"neutral","sentiment_score":-0.02015673220157623}],"sentiment":"neutral","sentiment_score":-0.016331729151311772,"num_words":18,"start":3569.89,"end":3583.735},{"sentences":[{"text":"Let me see.","start":3590.24,"end":3590.88,"sentiment":"neutral","sentiment_score":0.016763079290588696},{"text":"Well, yes.","start":3590.88,"end":3592.3198,"sentiment":"neutral","sentiment_score":0.08768322318792343},{"text":"So it say Oakview newsletter, and it is comes out once a month, typically.","start":3592.3198,"end":3598.5798,"sentiment":"neutral","sentiment_score":0.09996955203158515},{"text":"And if you are obviously receiving emails from us, otherwise, it should not go to spam.","start":3602.7249,"end":3607.925,"sentiment":"neutral","sentiment_score":0.06797306681983173},{"text":"Sometimes it goes to spam, but yeah.","start":3607.925,"end":3612.025,"sentiment":"neutral","sentiment_score":-0.025524162288222994}],"sentiment":"neutral","sentiment_score":0.060336412994989326,"num_words":42,"start":3590.24,"end":3612.025},{"sentences":[{"text":"Mhmm.","start":3624.26,"end":3624.5,"sentiment":"neutral","sentiment_score":0.009802762418985369},{"text":"Yeah.","start":3624.5,"end":3625.0,"sentiment":"neutral","sentiment_score":0.03473317623138428},{"text":"Okay.","start":3663.2,"end":3663.5999,"sentiment":"neutral","sentiment_score":-0.011266781017184258},{"text":"That's strange.","start":3663.5999,"end":3664.42,"sentiment":"neutral","sentiment_score":-0.08223321661353111},{"text":"Okay.","start":3680.2551,"end":3680.7551,"sentiment":"neutral","sentiment_score":0.019914770498871803}],"sentiment":"neutral","sentiment_score":-0.01854708418250084,"num_words":6,"start":3624.26,"end":3680.7551},{"sentences":[{"text":"Weird.","start":3681.055,"end":3681.555,"sentiment":"neutral","sentiment_score":0.018856897950172424},{"text":"I will yes.","start":3681.855,"end":3684.2751,"sentiment":"neutral","sentiment_score":-0.04990957429011663},{"text":"See if you can Yes.","start":3684.495,"end":3687.235,"sentiment":"neutral","sentiment_score":-0.030185462534427644},{"text":"And I will also just check with IT if there's a bug or something because you should be receiving them.","start":3687.93,"end":3692.97,"sentiment":"neutral","sentiment_score":-0.005768623948097229},{"text":"But, yeah, flag it as not spam so you do get them, but I will also follow-up with IT to see if there's, like, a a bug or something why you're not receiving them.","start":3692.97,"end":3702.375,"sentiment":"neutral","sentiment_score":-0.036382438067127675}],"sentiment":"neutral","sentiment_score":-0.025939277949787322,"num_words":63,"start":3681.055,"end":3702.375},{"sentences":[{"text":"No.","start":3704.6748,"end":3704.9148,"sentiment":"neutral","sentiment_score":0.05735216289758682},{"text":"That's okay.","start":3704.9148,"end":3705.7148,"sentiment":"neutral","sentiment_score":0.07713264785706997},{"text":"But with the the newsletter, what I was going to say is that we the latest one, if you would have to receive it, it does talk about that we have recently teamed up with BlackRock.","start":3705.7148,"end":3718.28,"sentiment":"neutral","sentiment_score":0.07158017706953818},{"text":"Have you heard of them before?","start":3718.58,"end":3719.96,"sentiment":"neutral","sentiment_score":0.023863098273674648},{"text":"Yes.","start":3721.46,"end":3721.96,"sentiment":"neutral","sentiment_score":0.10474294424057008}],"sentiment":"neutral","sentiment_score":0.06600924710864606,"num_words":46,"start":3704.6748,"end":3721.96},{"sentences":[{"text":"So we have recently teamed up with them and created an SMA with them, so a self managed account with them.","start":3722.1,"end":3730.785,"sentiment":"neutral","sentiment_score":0.1361516228034383},{"text":"Have you ever heard of an SMA?","start":3732.045,"end":3733.805,"sentiment":"neutral","sentiment_score":0.013875624164938927},{"text":"So not a self managed super fund, an SMA.","start":3733.805,"end":3736.125,"sentiment":"neutral","sentiment_score":-0.05052077666752868},{"text":"Have you ever heard of that structure before?","start":3736.125,"end":3738.065,"sentiment":"neutral","sentiment_score":-0.029953420162200928},{"text":"No.","start":3738.525,"end":3739.025,"sentiment":"neutral","sentiment_score":-0.06532569229602814}],"sentiment":"neutral","sentiment_score":0.047753769661421364,"num_words":46,"start":3722.1,"end":3739.025},{"sentences":[{"text":"So what an SMA is, it is a self managed account.","start":3739.68,"end":3743.76,"sentiment":"neutral","sentiment_score":0.04722077975218946},{"text":"So it can still very much look similar to how you have 24 set up where you do have a heap of different investment that you are invested in.","start":3743.76,"end":3751.605,"sentiment":"neutral","sentiment_score":0.10495737940073013},{"text":"The the positive thing with the SMA is that how it's set up, it will allow us a little bit more flexibility in making changes for you quickly.","start":3752.005,"end":3762.585,"sentiment":"positive","sentiment_score":0.7136266508272716},{"text":"So, for example, in a model portfolio, which is how it is now, if we foresee that there is, let's say, Benelon, for example, slightly underperforming and we wanna make a change from a compliance point as well, we will obviously do research regardless.","start":3762.725,"end":3779.0999,"sentiment":"neutral","sentiment_score":0.14752803548154506},{"text":"We would put a proposal together for you.","start":3779.48,"end":3782.06,"sentiment":"neutral","sentiment_score":0.18871898762881756}],"sentiment":"neutral","sentiment_score":0.26288103554397824,"num_words":120,"start":3739.68,"end":3782.06},{"sentences":[{"text":"We would have to book it in time with you, present the changes.","start":3782.28,"end":3785.615,"sentiment":"neutral","sentiment_score":0.14469322390281236},{"text":"You would have to sign off on the changes before we can go and make the change.","start":3785.615,"end":3789.795,"sentiment":"neutral","sentiment_score":0.04456376152880052},{"text":"So it does mean that sometimes it can take a little bit longer.","start":3790.415,"end":3794.815,"sentiment":"neutral","sentiment_score":-0.06330336458407916},{"text":"And as you would know, sometimes with investments, you do wanna make choices quickly if there are going things can happen quickly.","start":3794.815,"end":3802.03,"sentiment":"neutral","sentiment_score":0.006965784694660793},{"text":"So with the SMA, how it is differently is that you would be invested in a portfolio.","start":3802.6501,"end":3808.6702,"sentiment":"neutral","sentiment_score":0.03851916213684222}],"sentiment":"neutral","sentiment_score":0.03199664800904873,"num_words":82,"start":3782.28,"end":3808.6702},{"sentences":[{"text":"So let's just call it a high growth portfolio.","start":3808.73,"end":3810.75,"sentiment":"neutral","sentiment_score":0.06908282844556703},{"text":"Now within that portfolio, you still have a range of different investments similar to what you would have now in terms of how many options and stuff like that.","start":3811.5352,"end":3819.635,"sentiment":"neutral","sentiment_score":0.09798878559778476},{"text":"But what it allows us to do is that because you were just invested in, let's say, Oakview high growth portfolio, we can then go and make quick changes for you in the back end if we just see that is is better off making a change.","start":3820.0151,"end":3835.5798,"sentiment":"neutral","sentiment_score":0.17446715765176934},{"text":"We don't have to go through that whole SOA booking presenting it through you.","start":3835.8,"end":3840.2,"sentiment":"neutral","sentiment_score":0.08776027070624488},{"text":"We can just go ahead and make the change and let you know afterwards what we have made.","start":3840.2,"end":3844.9949,"sentiment":"positive","sentiment_score":0.3616287559270859}],"sentiment":"neutral","sentiment_score":0.16582340209020507,"num_words":117,"start":3808.73,"end":3844.9949},{"sentences":[{"text":"So it does make it a bit more streamlined and quicker to make the changes.","start":3844.9949,"end":3849.575,"sentiment":"positive","sentiment_score":0.6516684929529826},{"text":"The only thing would be that it would be less oversight on your end in that way because you wouldn't have to sign off for the change before we make it.","start":3850.115,"end":3859.7898,"sentiment":"neutral","sentiment_score":0.21834989685204723},{"text":"You'd still get notified of it.","start":3859.7898,"end":3861.8699,"sentiment":"neutral","sentiment_score":0.25862980261445045},{"text":"We would just make it a bit more proactive in the back end.","start":3861.8699,"end":3864.91,"sentiment":"neutral","sentiment_score":0.15006036827197441},{"text":"So it is a different way of setting it up.","start":3864.91,"end":3867.285,"sentiment":"neutral","sentiment_score":0.12094602361321449}],"sentiment":"neutral","sentiment_score":0.28341197381416955,"num_words":75,"start":3844.9949,"end":3867.285},{"sentences":[{"text":"And because we have joined with BlackRock on it, we're obviously using all of their investment team as well as our internal investment team to kind of build and create these different portfolios, and we get access to all of their kind of risk management software as well.","start":3868.4849,"end":3884.81,"sentiment":"neutral","sentiment_score":0.12344627485920985},{"text":"Is that approach something you are are you referring through?","start":3886.47,"end":3890.33,"sentiment":"neutral","sentiment_score":0.03226501177996397},{"text":"Nope.","start":3902.4849,"end":3902.7249,"sentiment":"neutral","sentiment_score":-0.08252987265586853},{"text":"That's okay.","start":3902.7249,"end":3903.4448,"sentiment":"neutral","sentiment_score":-0.04732637107372284},{"text":"No.","start":3903.4448,"end":3903.845,"sentiment":"neutral","sentiment_score":-0.104021355509758}],"sentiment":"neutral","sentiment_score":0.09623979581820388,"num_words":62,"start":3868.4849,"end":3903.845},{"sentences":[{"text":"That's okay.","start":3903.845,"end":3904.585,"sentiment":"neutral","sentiment_score":-0.06928381137549879},{"text":"Mhmm.","start":3910.5999,"end":3911.0999,"sentiment":"neutral","sentiment_score":0.12269984185695648},{"text":"Yes.","start":3912.5999,"end":3913.0999,"sentiment":"neutral","sentiment_score":0.2517744302749634},{"text":"Mhmm.","start":3914.8398,"end":3915.3398,"sentiment":"neutral","sentiment_score":0.24076490104198456},{"text":"Mhmm.","start":3923.095,"end":3923.595,"sentiment":"neutral","sentiment_score":0.1712316870689392}],"sentiment":"neutral","sentiment_score":0.10798387291530769,"num_words":6,"start":3903.845,"end":3923.595},{"sentences":[{"text":"The compliance.","start":3929.415,"end":3930.235,"sentiment":"neutral","sentiment_score":0.12140165269374847},{"text":"Yep.","start":3930.93,"end":3931.43,"sentiment":"neutral","sentiment_score":0.2258421629667282},{"text":"Mhmm.","start":3932.93,"end":3933.43,"sentiment":"neutral","sentiment_score":0.23409107327461243},{"text":"Yep.","start":3935.49,"end":3935.99,"sentiment":"neutral","sentiment_score":0.21525025367736816},{"text":"Yes.","start":3936.77,"end":3937.27,"sentiment":"neutral","sentiment_score":0.11450030654668808}],"sentiment":"neutral","sentiment_score":0.17208118364214897,"num_words":6,"start":3929.415,"end":3937.27},{"sentences":[{"text":"That is a 100% correct.","start":3942.6099,"end":3944.31,"sentiment":"neutral","sentiment_score":0.1593107521533966},{"text":"Yes.","start":3944.3699,"end":3944.8699,"sentiment":"neutral","sentiment_score":0.09336134046316148},{"text":"So what I will do is I will factor it in my research.","start":3945.41,"end":3949.685,"sentiment":"neutral","sentiment_score":0.0797597083907861},{"text":"Now if I've researched the SMA and the SMA turns out to be you have to pay a lot of tax and it's not performing as well or fees, then I'm not gonna recommend it.","start":3949.685,"end":3958.98,"sentiment":"neutral","sentiment_score":-0.09638112836650439},{"text":"But if I do the research and it shows off that, well, it's actually a very competitive option and it is putting you in a better position than other options, then I will consider it.","start":3959.06,"end":3969.72,"sentiment":"neutral","sentiment_score":0.213310221689088}],"sentiment":"neutral","sentiment_score":0.06763269187191899,"num_words":89,"start":3942.6099,"end":3969.72},{"sentences":[{"text":"What I can also do is I can send you an email just so if you wanted to read off on a little bit between now and our next call about the SMA.","start":3971.7952,"end":3981.495,"sentiment":"neutral","sentiment_score":0.12329597003532178},{"text":"So I can send you, like, a bit of a brochure and some information, just some general information in regards to the SMA so that you can have a read over it.","start":3981.5552,"end":3990.3,"sentiment":"neutral","sentiment_score":0.1541671333834529},{"text":"If I do decide to recommend it, I will have everything in the proposal anyway.","start":3990.36,"end":3995.8801,"sentiment":"positive","sentiment_score":0.3622201899687449},{"text":"So it will be, like, a full extended version of everything if it turns out to be the best option for you.","start":3995.8801,"end":4004.005,"sentiment":"positive","sentiment_score":0.43966947902332654},{"text":"Yep.","start":4005.825,"end":4006.325,"sentiment":"neutral","sentiment_score":0.2443128079175949}],"sentiment":"neutral","sentiment_score":0.2364316453922142,"num_words":103,"start":3971.7952,"end":4006.325},{"sentences":[{"text":"Yes.","start":4011.665,"end":4012.165,"sentiment":"positive","sentiment_score":0.3634571433067322},{"text":"Yes.","start":4014.03,"end":4014.53,"sentiment":"neutral","sentiment_score":-0.09202444553375244},{"text":"Left.","start":4018.27,"end":4018.77,"sentiment":"neutral","sentiment_score":-0.18215252459049225},{"text":"Yep.","start":4019.23,"end":4019.73,"sentiment":"neutral","sentiment_score":-0.04166317731142044},{"text":"Mhmm.","start":4022.27,"end":4022.77,"sentiment":"neutral","sentiment_score":-0.021800488233566284}],"sentiment":"neutral","sentiment_score":0.005163301527500152,"num_words":5,"start":4011.665,"end":4022.77},{"sentences":[{"text":"Mhmm.","start":4022.9102,"end":4023.23,"sentiment":"neutral","sentiment_score":-0.005786154419183731},{"text":"And and I get that.","start":4023.23,"end":4024.61,"sentiment":"neutral","sentiment_score":0.020267099514603613},{"text":"Yes.","start":4026.095,"end":4026.595,"sentiment":"neutral","sentiment_score":0.003518892452120781},{"text":"Yes.","start":4030.575,"end":4031.075,"sentiment":"neutral","sentiment_score":-0.07218197733163834},{"text":"What's yes.","start":4032.175,"end":4033.775,"sentiment":"neutral","sentiment_score":0.029245047830045223}],"sentiment":"neutral","sentiment_score":0.008537635393440723,"num_words":10,"start":4022.9102,"end":4033.775},{"sentences":[{"text":"And and I yes.","start":4033.775,"end":4036.1948,"sentiment":"neutral","sentiment_score":0.14627730473876},{"text":"Yes.","start":4037.87,"end":4038.37,"sentiment":"neutral","sentiment_score":0.276242733001709},{"text":"Yes.","start":4042.75,"end":4043.07,"sentiment":"neutral","sentiment_score":0.10822510719299316},{"text":"Yep.","start":4043.07,"end":4043.57,"sentiment":"neutral","sentiment_score":0.027469199150800705},{"text":"No.","start":4043.79,"end":4044.1902,"sentiment":"neutral","sentiment_score":-0.11818639934062958}],"sentiment":"neutral","sentiment_score":0.10985748236998916,"num_words":8,"start":4033.775,"end":4044.1902},{"sentences":[{"text":"No.","start":4044.1902,"end":4044.51,"sentiment":"neutral","sentiment_score":-0.16001954674720764},{"text":"I get it.","start":4044.51,"end":4045.33,"sentiment":"neutral","sentiment_score":-0.09056366483370464},{"text":"Yeah.","start":4045.55,"end":4045.9502,"sentiment":"neutral","sentiment_score":-0.044859789311885834},{"text":"And and that's the yes.","start":4045.9502,"end":4047.8901,"sentiment":"neutral","sentiment_score":-0.13992837220430374},{"text":"No.","start":4051.4849,"end":4051.7249,"sentiment":"neutral","sentiment_score":-0.1707383692264557}],"sentiment":"neutral","sentiment_score":-0.12245005098256198,"num_words":11,"start":4044.1902,"end":4051.7249},{"sentences":[{"text":"That's fine.","start":4051.7249,"end":4052.125,"sentiment":"neutral","sentiment_score":-0.1385483667254448},{"text":"I get what you I get.","start":4052.125,"end":4053.325,"sentiment":"neutral","sentiment_score":-0.21036342283089957},{"text":"Most most of the time, people don't.","start":4053.325,"end":4055.105,"sentiment":"neutral","sentiment_score":-0.16937474054949625},{"text":"Most I I completely I completely get it because most of the clients I speak with don't.","start":4055.965,"end":4060.125,"sentiment":"neutral","sentiment_score":-0.1711516336483114},{"text":"People don't work in finance.","start":4060.125,"end":4061.645,"sentiment":"neutral","sentiment_score":-0.23430542945861815}],"sentiment":"neutral","sentiment_score":-0.1839460911783012,"num_words":37,"start":4051.7249,"end":4061.645},{"sentences":[{"text":"So it's no.","start":4061.645,"end":4063.14,"sentiment":"neutral","sentiment_score":-0.10796620200077693},{"text":"It is it is fine, and I get it.","start":4063.14,"end":4065.3198,"sentiment":"neutral","sentiment_score":0.2431296722756492},{"text":"And, yeah, the good thing is with the SMA, because we are working with Blackhawk, we obviously have an extensive backup of all of their research and expertise and everything as well, which is great.","start":4065.94,"end":4077.3,"sentiment":"positive","sentiment_score":0.3821642134870802},{"text":"So so I will look at it.","start":4077.3,"end":4079.555,"sentiment":"neutral","sentiment_score":0.13873975590935775},{"text":"I will still send you an email with the the research, just just general about the estimate so you can have a read of a read over it.","start":4079.555,"end":4087.575,"sentiment":"neutral","sentiment_score":0.11003144936902183}],"sentiment":"neutral","sentiment_score":0.23526920475883456,"num_words":82,"start":4061.645,"end":4087.575},{"sentences":[{"text":"Mhmm.","start":4088.355,"end":4088.855,"sentiment":"neutral","sentiment_score":0.28199538588523865},{"text":"No.","start":4089.555,"end":4089.795,"sentiment":"neutral","sentiment_score":-0.030166592448949817},{"text":"That's okay.","start":4089.795,"end":4090.4348,"sentiment":"neutral","sentiment_score":0.07184416614472866},{"text":"So what I'll the last thing I'll just quickly run through there, Shannon, is just to see if there's anything else major that has changed that I need to factor in when I do put this proposal together.","start":4090.4348,"end":4099.61,"sentiment":"neutral","sentiment_score":0.05231969205564574},{"text":"So let me see here.","start":4100.4697,"end":4102.25,"sentiment":"neutral","sentiment_score":0.025841742753982544}],"sentiment":"neutral","sentiment_score":0.05346540718319568,"num_words":47,"start":4088.355,"end":4102.25},{"sentences":[{"text":"You obviously, you're still married.","start":4102.31,"end":4104.01,"sentiment":"neutral","sentiment_score":0.010330051183700562},{"text":"Still have two financial dependents?","start":4104.07,"end":4105.61,"sentiment":"neutral","sentiment_score":0.01511084958910942},{"text":"Yep.","start":4107.125,"end":4107.445,"sentiment":"neutral","sentiment_score":0.21209923923015592},{"text":"That's beautiful.","start":4107.445,"end":4108.265,"sentiment":"positive","sentiment_score":0.5932150781154633},{"text":"Obviously, off work, we've already touched on that.","start":4109.445,"end":4112.3447,"sentiment":"neutral","sentiment_score":-0.067258988507092}],"sentiment":"neutral","sentiment_score":0.04703152339373316,"num_words":21,"start":4102.31,"end":4112.3447},{"sentences":[{"text":"Property, I've already changed the mortgage.","start":4113.205,"end":4115.3647,"sentiment":"neutral","sentiment_score":-0.03442245659728845},{"text":"Now how much is your property valued at the moment?","start":4115.3647,"end":4117.945,"sentiment":"neutral","sentiment_score":-0.00690647317096591},{"text":"1.6.","start":4121.1597,"end":4121.96,"sentiment":"neutral","sentiment_score":0.011935684829950333},{"text":"Oh, wow.","start":4121.96,"end":4122.36,"sentiment":"neutral","sentiment_score":0.16358774155378342},{"text":"That's nice.","start":4122.36,"end":4123.1797,"sentiment":"neutral","sentiment_score":0.3076939135789871}],"sentiment":"neutral","sentiment_score":0.03232854875248103,"num_words":21,"start":4113.205,"end":4123.1797},{"sentences":[{"text":"I had a one point two here.","start":4123.48,"end":4125.0,"sentiment":"neutral","sentiment_score":-0.08300847613385745},{"text":"Sorry.","start":4125.0,"end":4125.5,"sentiment":"neutral","sentiment_score":-0.08659347146749496},{"text":"Did you say 1.7 or 1 6?","start":4125.6396,"end":4128.94,"sentiment":"neutral","sentiment_score":-0.05821886445794787},{"text":"Mhmm.","start":4136.295,"end":4136.375,"sentiment":"neutral","sentiment_score":-0.05208159238100052},{"text":"Yep.","start":4136.375,"end":4136.875,"sentiment":"neutral","sentiment_score":-0.06891285628080368}],"sentiment":"neutral","sentiment_score":-0.0703634884865845,"num_words":17,"start":4123.48,"end":4136.875},{"sentences":[{"text":"Mhmm.","start":4140.535,"end":4141.035,"sentiment":"neutral","sentiment_score":-0.023417260497808456},{"text":"Mhmm.","start":4145.67,"end":4146.17,"sentiment":"neutral","sentiment_score":-0.019877884536981583},{"text":"Okay.","start":4147.67,"end":4148.17,"sentiment":"neutral","sentiment_score":-0.01037273183465004},{"text":"Yep.","start":4151.75,"end":4152.25,"sentiment":"neutral","sentiment_score":0.026735028252005577},{"text":"Okay.","start":4156.9653,"end":4157.4653,"sentiment":"neutral","sentiment_score":0.045545563101768494}],"sentiment":"neutral","sentiment_score":0.0037225428968667984,"num_words":5,"start":4140.535,"end":4157.4653},{"sentences":[{"text":"Okay.","start":4161.845,"end":4162.345,"sentiment":"neutral","sentiment_score":0.031684260815382004},{"text":"Oh, nice.","start":4163.4453,"end":4164.185,"sentiment":"neutral","sentiment_score":0.14526331424713135},{"text":"So probably about one six at least.","start":4164.325,"end":4166.825,"sentiment":"neutral","sentiment_score":0.014892488185848509},{"text":"Yeah.","start":4168.2397,"end":4168.7397,"sentiment":"neutral","sentiment_score":0.04331857711076737},{"text":"Yeah.","start":4170.4,"end":4170.8,"sentiment":"neutral","sentiment_score":0.06529095768928528}],"sentiment":"neutral","sentiment_score":0.04458898678421974,"num_words":12,"start":4161.845,"end":4170.8},{"sentences":[{"text":"Perfect.","start":4170.8,"end":4171.3,"sentiment":"neutral","sentiment_score":0.16407588124275208},{"text":"Other assets, do you have a motor vehicle caravan?","start":4172.6396,"end":4175.94,"sentiment":"neutral","sentiment_score":0.0440100139627854},{"text":"Mhmm.","start":4186.895,"end":4187.395,"sentiment":"neutral","sentiment_score":-0.00033703120425343513},{"text":"Yep.","start":4192.75,"end":4193.25,"sentiment":"neutral","sentiment_score":-0.044303737580776215},{"text":"Unfuly paid off.","start":4193.87,"end":4195.1504,"sentiment":"neutral","sentiment_score":-0.21476806700229645}],"sentiment":"neutral","sentiment_score":-0.008585264192273217,"num_words":15,"start":4170.8,"end":4195.1504},{"sentences":[{"text":"And caravan?","start":4195.1504,"end":4196.1304,"sentiment":"neutral","sentiment_score":-0.044601673260331154},{"text":"Yep.","start":4203.23,"end":4203.5503,"sentiment":"neutral","sentiment_score":0.0884004756808281},{"text":"Okay.","start":4203.5503,"end":4203.87,"sentiment":"neutral","sentiment_score":0.2041782587766647},{"text":"Perfect.","start":4203.87,"end":4204.37,"sentiment":"positive","sentiment_score":0.5743154883384705},{"text":"Any other assets?","start":4205.475,"end":4206.775,"sentiment":"neutral","sentiment_score":0.17259221772352853}],"sentiment":"neutral","sentiment_score":0.16193344118073583,"num_words":8,"start":4195.1504,"end":4206.775},{"sentences":[{"text":"Savings, offset, boats, motorbikes?","start":4207.5547,"end":4212.935,"sentiment":"neutral","sentiment_score":0.10123062692582607},{"text":"Yep.","start":4223.81,"end":4224.31,"sentiment":"neutral","sentiment_score":0.07585825771093369},{"text":"Mhmm.","start":4230.705,"end":4231.205,"sentiment":"neutral","sentiment_score":0.029010633006691933},{"text":"Okay.","start":4234.545,"end":4234.865,"sentiment":"neutral","sentiment_score":0.2195860743522644},{"text":"Perfect.","start":4234.865,"end":4235.265,"sentiment":"positive","sentiment_score":0.3749178647994995}],"sentiment":"neutral","sentiment_score":0.13803691719658673,"num_words":8,"start":4207.5547,"end":4235.265},{"sentences":[{"text":"Sorry.","start":4235.265,"end":4235.585,"sentiment":"neutral","sentiment_score":0.03061002306640148},{"text":"I'll just have the the property, the two car, and then the boat did you say 15 and a half thousand?","start":4235.585,"end":4241.365,"sentiment":"neutral","sentiment_score":0.00920369533733243},{"text":"Five.","start":4251.2603,"end":4251.58,"sentiment":"neutral","sentiment_score":0.011919889599084854},{"text":"Okay.","start":4251.58,"end":4251.98,"sentiment":"neutral","sentiment_score":0.004472917411476374},{"text":"K.","start":4251.98,"end":4252.48,"sentiment":"neutral","sentiment_score":0.0028428370133042336}],"sentiment":"neutral","sentiment_score":0.00972493076696992,"num_words":25,"start":4235.265,"end":4252.48},{"sentences":[{"text":"Okay.","start":4257.355,"end":4257.8354,"sentiment":"neutral","sentiment_score":0.0007676789537072182},{"text":"Just one thousand five 100.","start":4257.8354,"end":4260.095,"sentiment":"neutral","sentiment_score":-0.008335765451192856},{"text":"Okay.","start":4260.475,"end":4260.975,"sentiment":"neutral","sentiment_score":0.02382288873195648},{"text":"No worries.","start":4261.435,"end":4262.1753,"sentiment":"neutral","sentiment_score":0.028551500290632248},{"text":"Anything else?","start":4263.115,"end":4264.095,"sentiment":"neutral","sentiment_score":0.01696748798713088}],"sentiment":"neutral","sentiment_score":0.006722701544111425,"num_words":11,"start":4257.355,"end":4264.095},{"sentences":[{"text":"No.","start":4274.09,"end":4274.25,"sentiment":"neutral","sentiment_score":-0.13130944967269895},{"text":"Okay.","start":4274.25,"end":4274.75,"sentiment":"neutral","sentiment_score":-0.1060154065489769},{"text":"Yeah.","start":4276.8896,"end":4277.3896,"sentiment":"neutral","sentiment_score":0.02114066481590271},{"text":"No.","start":4277.4497,"end":4277.61,"sentiment":"neutral","sentiment_score":0.04898710176348686},{"text":"That sounds lovely.","start":4277.61,"end":4278.67,"sentiment":"positive","sentiment_score":0.3822326759497325}],"sentiment":"neutral","sentiment_score":0.13992870545813016,"num_words":7,"start":4274.09,"end":4278.67},{"sentences":[{"text":"Yeah.","start":4286.055,"end":4286.555,"sentiment":"neutral","sentiment_score":0.025643443688750267},{"text":"Yep.","start":4286.615,"end":4287.015,"sentiment":"neutral","sentiment_score":-0.008709040470421314},{"text":"No.","start":4287.015,"end":4287.2554,"sentiment":"neutral","sentiment_score":-0.09748755395412444},{"text":"I'm with you there.","start":4287.2554,"end":4288.3154,"sentiment":"neutral","sentiment_score":-0.10597506910562515},{"text":"Sometimes you can very much overdo it, and then you just need to get rid of it.","start":4288.535,"end":4293.1953,"sentiment":"neutral","sentiment_score":-0.1429759500657811}],"sentiment":"neutral","sentiment_score":-0.12229352409485728,"num_words":24,"start":4286.055,"end":4293.1953},{"sentences":[{"text":"Yes.","start":4295.82,"end":4296.32,"sentiment":"neutral","sentiment_score":0.002353806048631668},{"text":"Now health and lifestyle, I have you done there as a nonsmoker.","start":4299.34,"end":4302.32,"sentiment":"neutral","sentiment_score":-0.041170392806331314},{"text":"No, you know, significant health issues or injuries or medications.","start":4303.34,"end":4307.52,"sentiment":"neutral","sentiment_score":-0.10204159021377564},{"text":"Beautiful.","start":4309.495,"end":4309.995,"sentiment":"positive","sentiment_score":0.37920135259628296},{"text":"Estate planning.","start":4311.015,"end":4311.895,"sentiment":"neutral","sentiment_score":0.14805343002080917}],"sentiment":"neutral","sentiment_score":-0.0321845614279692,"num_words":26,"start":4295.82,"end":4311.895},{"sentences":[{"text":"Do you guys have a will in place or anything like that?","start":4311.895,"end":4314.7954,"sentiment":"neutral","sentiment_score":0.04745365430911382},{"text":"Okay.","start":4317.095,"end":4317.595,"sentiment":"neutral","sentiment_score":0.09197306632995604},{"text":"On the to do list.","start":4317.8154,"end":4319.1953,"sentiment":"neutral","sentiment_score":0.08075043559074402},{"text":"Yep.","start":4319.8154,"end":4320.3154,"sentiment":"neutral","sentiment_score":0.1457294523715973},{"text":"Do you have someone that you know or that you can go to, or would you like me to include, like, a brochure of one of the firms we work closely with as, like, pricing and stuff?","start":4321.35,"end":4332.81,"sentiment":"neutral","sentiment_score":0.09876531584037317}],"sentiment":"neutral","sentiment_score":0.08687884347247225,"num_words":56,"start":4311.895,"end":4332.81},{"sentences":[{"text":"Yep.","start":4335.285,"end":4335.785,"sentiment":"neutral","sentiment_score":0.10443413257598876},{"text":"Yeah.","start":4343.925,"end":4344.405,"sentiment":"neutral","sentiment_score":0.0028645340353250504},{"text":"Perfect.","start":4344.405,"end":4344.905,"sentiment":"neutral","sentiment_score":-0.11970232427120207},{"text":"I'll include it.","start":4345.56,"end":4346.6797,"sentiment":"neutral","sentiment_score":0.1200334553917249},{"text":"That way, you have it in your inbox.","start":4346.6797,"end":4348.78,"sentiment":"neutral","sentiment_score":0.1360922073945403}],"sentiment":"neutral","sentiment_score":0.10260245483368635,"num_words":14,"start":4335.285,"end":4348.78},{"sentences":[{"text":"You can ignore it if you want, but it's there.","start":4348.84,"end":4351.0,"sentiment":"neutral","sentiment_score":0.1836371660232544},{"text":"It's there.","start":4351.0,"end":4351.82,"sentiment":"neutral","sentiment_score":0.24489645659923553},{"text":"No.","start":4353.32,"end":4353.56,"sentiment":"neutral","sentiment_score":0.06637436896562576},{"text":"That's okay.","start":4353.56,"end":4354.38,"sentiment":"neutral","sentiment_score":0.12827645987272263},{"text":"Other goals that you kind of were working towards in the next twelve months, paying off the mortgage I have here, and do some renovations to the home.","start":4355.4,"end":4366.785,"sentiment":"neutral","sentiment_score":0.13418703925396716}],"sentiment":"neutral","sentiment_score":0.14898439444774805,"num_words":43,"start":4348.84,"end":4366.785},{"sentences":[{"text":"Is that still something that you guys are?","start":4367.165,"end":4369.4253,"sentiment":"neutral","sentiment_score":0.057924630120396614},{"text":"Okay.","start":4369.725,"end":4370.125,"sentiment":"neutral","sentiment_score":0.04202710837125778},{"text":"Perfect.","start":4370.125,"end":4370.625,"sentiment":"neutral","sentiment_score":0.2121657133102417},{"text":"Okay.","start":4372.78,"end":4373.28,"sentiment":"neutral","sentiment_score":0.08098168671131134},{"text":"Mhmm.","start":4377.42,"end":4377.92,"sentiment":"neutral","sentiment_score":0.0638781189918518}],"sentiment":"neutral","sentiment_score":0.07187080569565296,"num_words":12,"start":4367.165,"end":4377.92},{"sentences":[{"text":"Yeah.","start":4381.6597,"end":4382.1597,"sentiment":"neutral","sentiment_score":0.13806797564029694},{"text":"Yeah.","start":4382.6997,"end":4383.1997,"sentiment":"neutral","sentiment_score":0.20278656482696533},{"text":"Yeah.","start":4385.595,"end":4386.095,"sentiment":"neutral","sentiment_score":0.27812832593917847},{"text":"Yeah.","start":4388.075,"end":4388.575,"sentiment":"neutral","sentiment_score":0.13103991746902466},{"text":"Yeah.","start":4392.475,"end":4392.6353,"sentiment":"neutral","sentiment_score":0.04947862401604653}],"sentiment":"neutral","sentiment_score":0.15990028157830238,"num_words":5,"start":4381.6597,"end":4392.6353},{"sentences":[{"text":"Yeah.","start":4392.6353,"end":4393.1353,"sentiment":"neutral","sentiment_score":0.06110115721821785},{"text":"Oh, wow.","start":4399.0503,"end":4399.79,"sentiment":"neutral","sentiment_score":0.10914749652147293},{"text":"Yeah.","start":4406.0903,"end":4406.5903,"sentiment":"neutral","sentiment_score":0.04114146903157234},{"text":"Oh, no.","start":4406.6504,"end":4406.89,"sentiment":"neutral","sentiment_score":0.04422321543097496},{"text":"That's good.","start":4406.89,"end":4407.29,"sentiment":"neutral","sentiment_score":0.27587398141622543}],"sentiment":"neutral","sentiment_score":0.1200915016233921,"num_words":8,"start":4392.6353,"end":4407.29},{"sentences":[{"text":"Especially if you have those skills or learn the skills to do it.","start":4407.29,"end":4410.67,"sentiment":"neutral","sentiment_score":0.1323657534443415},{"text":"You know?","start":4410.73,"end":4411.335,"sentiment":"neutral","sentiment_score":0.1760161966085434},{"text":"Yes.","start":4420.375,"end":4420.875,"sentiment":"neutral","sentiment_score":0.01848413422703743},{"text":"Yeah.","start":4424.71,"end":4425.21,"sentiment":"neutral","sentiment_score":-0.1064051240682602},{"text":"Yeah.","start":4426.71,"end":4427.19,"sentiment":"neutral","sentiment_score":-0.04458240419626236}],"sentiment":"neutral","sentiment_score":0.10779354410866897,"num_words":18,"start":4407.29,"end":4427.19},{"sentences":[{"text":"And I think that's my problem that I'm just like, oh, not the time or the tools, and that's it.","start":4427.19,"end":4432.73,"sentiment":"neutral","sentiment_score":-0.16649331543594598},{"text":"Yeah.","start":4434.5503,"end":4435.0503,"sentiment":"neutral","sentiment_score":-0.055023275315761566},{"text":"Yeah.","start":4441.845,"end":4442.345,"sentiment":"neutral","sentiment_score":0.08081810921430588},{"text":"Yeah.","start":4442.805,"end":4443.305,"sentiment":"neutral","sentiment_score":0.10318051278591156},{"text":"I can imagine.","start":4446.245,"end":4447.145,"sentiment":"neutral","sentiment_score":0.3025248050689697}],"sentiment":"neutral","sentiment_score":-0.08820448257029057,"num_words":26,"start":4427.19,"end":4447.145},{"sentences":[{"text":"And a goodwill.","start":4448.0054,"end":4448.745,"sentiment":"neutral","sentiment_score":0.2122400403022766},{"text":"Yeah.","start":4450.5654,"end":4451.0654,"sentiment":"neutral","sentiment_score":0.10097624361515044},{"text":"Perfect.","start":4452.23,"end":4452.73,"sentiment":"neutral","sentiment_score":0.20622414350509644},{"text":"Yes.","start":4473.605,"end":4474.105,"sentiment":"neutral","sentiment_score":0.12775106728076935},{"text":"Yeah.","start":4474.645,"end":4475.145,"sentiment":"neutral","sentiment_score":0.14070332050323486}],"sentiment":"neutral","sentiment_score":0.17319641368729727,"num_words":7,"start":4448.0054,"end":4475.145},{"sentences":[{"text":"Yeah.","start":4475.54,"end":4476.04,"sentiment":"neutral","sentiment_score":0.1444833278656006},{"text":"Yeah.","start":4476.9004,"end":4477.4004,"sentiment":"neutral","sentiment_score":0.09637816250324248},{"text":"Yeah.","start":4479.54,"end":4480.04,"sentiment":"neutral","sentiment_score":0.0661541298031807},{"text":"Yeah.","start":4482.18,"end":4482.3403,"sentiment":"neutral","sentiment_score":0.13638904690742493},{"text":"That that makes sense, and that's good.","start":4482.3403,"end":4484.5,"sentiment":"neutral","sentiment_score":0.25039287337235044}],"sentiment":"neutral","sentiment_score":0.19965043460780924,"num_words":11,"start":4475.54,"end":4484.5},{"sentences":[{"text":"And I'll keep that in mind.","start":4484.5,"end":4486.04,"sentiment":"neutral","sentiment_score":0.14765528962016106},{"text":"Now, Shannon, I like I said, I won't get you to sign the OSA now.","start":4487.54,"end":4492.085,"sentiment":"neutral","sentiment_score":0.0423269085586071},{"text":"I'm happy to just leave it because, obviously, do the proposal fast and then see how you feel.","start":4492.145,"end":4497.745,"sentiment":"neutral","sentiment_score":0.13332772627472878},{"text":"Now it will take me about, let me see here, typically about a week or so to put it all together.","start":4497.745,"end":4505.19,"sentiment":"neutral","sentiment_score":0.14571007199230648},{"text":"Now because I'm doing let me have a look here.","start":4505.97,"end":4509.1704,"sentiment":"neutral","sentiment_score":0.07974012903869152}],"sentiment":"neutral","sentiment_score":0.11111496058957918,"num_words":70,"start":4484.5,"end":4509.1704},{"sentences":[{"text":"Next week, I'm pretty fully booked.","start":4509.1704,"end":4511.5103,"sentiment":"neutral","sentiment_score":0.1855576472977797},{"text":"The following week, Monday, the first to the fourth.","start":4511.89,"end":4514.37,"sentiment":"neutral","sentiment_score":0.05285658066471418},{"text":"Do you have any availability?","start":4514.37,"end":4515.5903,"sentiment":"neutral","sentiment_score":0.025015989691019057},{"text":"Okay.","start":4519.325,"end":4519.825,"sentiment":"positive","sentiment_score":0.3430810272693634},{"text":"Perfect.","start":4519.885,"end":4520.385,"sentiment":"positive","sentiment_score":0.621787965297699}],"sentiment":"neutral","sentiment_score":0.12177291139960289,"num_words":22,"start":4509.1704,"end":4520.385},{"sentences":[{"text":"Now let me yeah.","start":4520.445,"end":4522.605,"sentiment":"neutral","sentiment_score":0.2926889732480049},{"text":"Which is great because usually after hours fills up the fastest.","start":4522.605,"end":4526.225,"sentiment":"positive","sentiment_score":0.46011997082016687},{"text":"So school hours, I love it.","start":4526.365,"end":4528.145,"sentiment":"positive","sentiment_score":0.6601825257142385},{"text":"Sorry.","start":4530.08,"end":4530.4,"sentiment":"neutral","sentiment_score":0.034615807235240936},{"text":"Let me have a look here.","start":4530.4,"end":4531.36,"sentiment":"neutral","sentiment_score":0.024566917059322197}],"sentiment":"positive","sentiment_score":0.3705424298532307,"num_words":28,"start":4520.445,"end":4531.36},{"sentences":[{"text":"Sorry.","start":4531.36,"end":4531.86,"sentiment":"neutral","sentiment_score":-0.0027217380702495575},{"text":"Monday, I could do I could do 01:30 my time, which would be 11:30 your time.","start":4531.92,"end":4543.92,"sentiment":"neutral","sentiment_score":0.022086556651629508},{"text":"Would that work?","start":4543.92,"end":4544.82,"sentiment":"neutral","sentiment_score":0.04242842892805735},{"text":"Yeah.","start":4546.375,"end":4546.855,"sentiment":"neutral","sentiment_score":0.08928586542606354},{"text":"Okay.","start":4546.855,"end":4547.355,"sentiment":"neutral","sentiment_score":0.06287024170160294}],"sentiment":"neutral","sentiment_score":0.028641116466711868,"num_words":22,"start":4531.36,"end":4547.355},{"sentences":[{"text":"So I will book that in on Monday, June 1 at 11:30AM your time.","start":4547.495,"end":4554.1553,"sentiment":"neutral","sentiment_score":0.0713557553078447},{"text":"Now would you like a reminder text sent, like, two hours before the appointment if anything does come up and you can't make it?","start":4554.535,"end":4561.1396,"sentiment":"neutral","sentiment_score":-0.0039383377103755874},{"text":"Yeah.","start":4561.1396,"end":4561.6396,"sentiment":"neutral","sentiment_score":0.038506969809532166},{"text":"No worries.","start":4562.26,"end":4563.0796,"sentiment":"neutral","sentiment_score":0.0399283729493618},{"text":"If anything does change, though, like I said, you can't make it or need to reschedule, just let me know, and I'll see if I can shuffle a few things around for you.","start":4563.78,"end":4572.015,"sentiment":"neutral","sentiment_score":-0.005945898225587426}],"sentiment":"neutral","sentiment_score":0.011170399236820033,"num_words":74,"start":4547.495,"end":4572.015},{"sentences":[{"text":"But otherwise okay.","start":4572.095,"end":4574.2554,"sentiment":"neutral","sentiment_score":0.006251191099484761},{"text":"Perfect.","start":4574.2554,"end":4574.7554,"sentiment":"neutral","sentiment_score":0.1984458565711975},{"text":"Otherwise, I will give you a call on Monday, June 1 at 11:30AM your time, and I'll go through the proposal of potentially estimated at best, checking on your investments a little bit more, and then also the income protection and get all of that sorted for you.","start":4575.2153,"end":4594.62,"sentiment":"neutral","sentiment_score":0.14693718636408448},{"text":"And then we can take it from there.","start":4594.62,"end":4596.64,"sentiment":"positive","sentiment_score":0.3356998022645712},{"text":"No worries.","start":4598.4453,"end":4599.165,"sentiment":"neutral","sentiment_score":0.13577775657176971}],"sentiment":"neutral","sentiment_score":0.16495706946138414,"num_words":62,"start":4572.095,"end":4599.165},{"sentences":[{"text":"Do you have any other questions for me, or that's all good for now?","start":4599.165,"end":4603.185,"sentiment":"neutral","sentiment_score":0.035054940198149},{"text":"No?","start":4603.805,"end":4604.305,"sentiment":"neutral","sentiment_score":0.03749185800552368},{"text":"Okay.","start":4604.365,"end":4604.865,"sentiment":"neutral","sentiment_score":0.1270475834608078},{"text":"Yeah.","start":4605.485,"end":4605.985,"sentiment":"neutral","sentiment_score":0.10896887630224228},{"text":"Yeah.","start":4606.927,"end":4607.427,"sentiment":"neutral","sentiment_score":0.11431561410427094}],"sentiment":"neutral","sentiment_score":0.048810727480385036,"num_words":18,"start":4599.165,"end":4607.427},{"sentences":[{"text":"Yes.","start":4607.727,"end":4608.227,"sentiment":"neutral","sentiment_score":0.18526814877986908},{"text":"Well, sir, if there's anything you need in the meantime, Shannon, don't hesitate to give me a call or send me an email.","start":4608.2866,"end":4612.927,"sentiment":"neutral","sentiment_score":0.0842894351352816},{"text":"Okay?","start":4612.927,"end":4613.427,"sentiment":"neutral","sentiment_score":0.08702488243579865},{"text":"Okay.","start":4614.767,"end":4615.167,"sentiment":"neutral","sentiment_score":0.11752954125404358},{"text":"No worries.","start":4615.167,"end":4615.8066,"sentiment":"neutral","sentiment_score":0.14337030053138733}],"sentiment":"neutral","sentiment_score":0.09340072077299867,"num_words":28,"start":4607.727,"end":4615.8066},{"sentences":[{"text":"Well, thanks again.","start":4615.8066,"end":4616.7866,"sentiment":"neutral","sentiment_score":0.3252180715401967},{"text":"Bye.","start":4617.727,"end":4618.227,"sentiment":"neutral","sentiment_score":0.05678732693195343}],"sentiment":"neutral","sentiment_score":0.2581103853881359,"num_words":4,"start":4615.8066,"end":4618.227}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello? Yes. Speaking. Yeah. Good day, Veronica. How are you? Yep. Let's get it done. It's been been overdue. Mhmm. Yep. Yeah. Yeah. I was just it was mostly yeah. I just yeah. We just had a very busy beginning of the year, and I sort of wanted to see how few things played out with regards to, you know, global markets and all that sort of stuff. You know, just everything was just like, I was like, it's a bit hard to try and make big decisions right the minute when we're going through a massive just like the whole petrol thing just kicked off and all that sort of stuff. We're like, not sure what I wanna do just yet. Yep. Yeah. That's fine. Yeah. Yep. Shannon Dickinson. 20 Martha Street, Beaconfield. 05/28/1976, and O488542466. Yeah. I just had a big fiftieth birthday on the weekend, so big party. No. No. Yeah. Correct. Yeah. Still cover recovering. We sort of, yeah, put that that was sort of a bit of a reason I had yes. There's so much going on in the later, but it was like, okay. I will 100% look at tax and lease afterwards. Yeah. Yeah. Yeah. Thank you. What was that? Sorry. A what? Oh, yes. Thank you. Mhmm. Yep. I'm not working at the moment. Correct. Yes. I'm sure I'm paying lots of taxes and stuff, like, income tax. I don't know. Not income tax. Sorry. What do you call it? Not sure if I'm paying insurances and stuff for things that I'm not doing yep. Yep. Can I just yeah? Can I just ask, like, when everything like, the and Big Rose and White didn't wanna change anything? The last time when they were sort of rang was because everything just had just totally plummeted. And it was kind of like, well, to sell everything, that's had an absolute way. Okay. Yeah. You might be buying other things at an absolute way. But if everybody's dumping and buying, then, you know, if something's cheaper and something's more expensive, it's kind of like a do you wait for it to plateau a little bit and just ride it for five you know, just until it's sort of you know, which I think was the smartest thing to do if it was done because things are sort of, you know, regulating have regulated well, stabilized slightly. I'm not one of those ones. I've lived in lived around the block and back a bit enough to know that things do stabilize. And if you just dump and run like everybody else, then you just sort of, you know, start buying buying at a boom. You know? And it's like, well, buying in a boom. Like, why? Just yeah. Anyway, it's Or you might just wanna wait, like, wait a couple of weeks for it to just sort of let you know, how you have your massive correction. Just wait for it to up. It's like but don't don't sell it straight away because you're just losing a lot more than you should probably need to. And I don't really feel like I'm in that desperate position that I need to try and sort of, like, you know, need to react in that sort of space. So that was my main reasoning for just holding out, thinking, okay. Well, Craig's changing, and I'm not. So, like, at least, this is, like, hedging our bets. So can I just ask, like because I've sort of, like, just gone, look, just hold? Because I had all this high risk stuff anyway, and I'm like, oh, man. Well, you know, like, you sell that now. It's gonna be, like, worth zero, like, to buy into, like, whatever. It's kinda you know what I'm saying? I hope you're hearing what I'm saying. I'm not very good at explaining it. I'm obviously, like, recovering from my fidget party, so I'm not really that bit comatose still too fair. But the so, basically, yeah, where are we at the moment? Where do we stand? This is your high temp. Mhmm. Yep. I do. Yep. I do. Mhmm. That was a, like because see, is that all, like, the advisory fees and all that sort of stuff? Because that the reality was when I first bought into this thing, it was, like, a $3,000 one off fee, like a and then and then it was, like, a percentage of of any of the earnings that I made, and you only made 1% earnings, like, the equivalent to 1% earnings over the whole twelve months. So I was like, Jesus. And now you wanna hit me up with another $3,000 fee that was also or another another fee? And I was like, okay. I don't know how I feel about this because you're not performing. You're now making me pay for the fact that you're not doing a very good job. And so that's why I haven't paid for it, to be frank. I'm, like, going, I don't know if I should. So I really wanna before I so before sorry. So before I actually go and agree to signing up with you guys for another twelve months and doing all those things and paying extra fees, I wanna see what I'm paying for because, realistically, the his like, the info the what I have paid for, I'm I'm I'm I'm not getting what I I could be going I should go to something like Host Plus or Australia Zoo or whatever, and I'd probably be in front. Mhmm. Mhmm. Yeah. And if I'm only making 1% over the year, then, of course, you're not making then it's sort of like, what am I? Do you? Yeah. It's concerning. Especially when I didn't know that Alan Merceditch, my previous adviser, had left. So I was like, oh, that's interesting. I didn't know he'd gone out on his own. I just was like, okay. This is yeah. And, yes, I know that I've been difficult to get a hold of. Sorry. I know that I've been difficult to get a hold of, but I've been difficult to get a hold of because I'm like, I'm not yeah. I'm like, those are things that could have come I could have got something sent in an email. Like, just a prompt or anything. I just wasn't getting that. So I'm like, man, I haven't been easy to get a hold of too because I haven't wanted to commit because I haven't been impressed. Yep. So you're Alan's replacement. Is that right? Are you? Mhmm. Right. Yep. Yep. And can I ask yeah? So how much am I paying at the moment? Like, 1% of the earnings or 1% of my whole balance? Because, like, if my balance is just being chomped away at and you're just getting a 1% fee of my balance, and you really got absolutely no desire or no real motivation to to grow it because I haven't made anything. There's nothing because I have made nothing. And that's why I was like like, that is hectic when it's been a really big year and you've only made 1%. Like, that is scary. Like, why why that was what I understood Alan was gonna be ringing me. If there was any, you know, anything of concern, if it wasn't performing, if it wasn't doing well, then I would be the first to know. And I haven't received a I haven't received anything from him. Just that I only get those I would only get those those the standard text message or phone call from I think it was Tara or just the various people who would work. Not just this is not just Alan. It was just, like, from the various administrators who'd ring up to try and book me in for, like, my yearly review. But there was no contact when there was significant market change saying, hey. I think we need to do this. Hey. You're high performing. You're all in. You're in high high yeah. What are they called? High high yeah. High growth investments, and they're really not doing much for you. Maybe, you know, that is good. Maybe once a quarter, you might get a touch base if you're not if if you haven't made a certain amount. But if you haven't if you haven't alright. If your assets haven't grown by a certain percent by more than 1% a quarter. You would expect a phone a phone call saying, hey. Look. You know, we've been sitting on 1%, like, average growth for the last six months. That's not good. That's that's that's nowhere near a forecasted what we should at least be getting around 8% over twelve months. That's not even gonna come close to that over the next six months. We're not gonna be able to, like, you know, grow it to to come close to half of where you should be. That's pretty fucked. I'm so sorry, Victor. I don't really swear. I'm just like, this is where I've stuck my head in the sand going, what the hell is going on with my super? I can't look at it. It's making me feel ill. And I haven't had and I haven't had the chance to actually investigate where I wanna roll out to. And that's the only reason why I haven't actually been in contact because I've just I absolutely been gonna hell no. I'm not signing back up with you guys. That it's been a hell no. Because I'm 50 now, and I'm like, holy shit. I've got probably close to less than what I've rolled into you guys. I'd say if you don't mind, because I'm like yeah. I've just looked away just feeling relatively, like, ill with the whole thing and just going I know. I know. I know. Of course you don't. Yeah. Yeah. Because I'm definitely disappointed. Yeah. Thank you. I appreciate all that. But it's just like it seems like almost extra additional fees for, like, what? Because I had chance that all my money, like, just, like, rolled it over into a where. You know? And then someone just said, oh, where? Where? Where? Where? And so then I thought, oh, maybe I need to go to the Viber. And I realized now, if I'd stayed with a where, I would have had no fees, nothing. Would have all done it personally myself, and I'm probably and I would be waiting for the rest. It's that's where I'm at. I'm just like, oh, holy shit. I just don't tell anyone to do it because all this stuff will offer me money. It's, like, so annoying. It is so annoying. People care about growing all their funds and having big portfolios so they get all their big percentages, but it gets to a point where it's the only person who really cares about their own money and keeps a real there's a real eye on it is the person who is who is who it belongs to me. And so this is where I'm starting to, like, just go, shit. I just need to really, like, look into it myself and learn about it myself so I can actually do it. Because I would love to trust you, Victoria, but I've just trusted your company for so long and found that it was, like, a 1% growth last year. It's like, holy shit. You know? And I know that you're listening to me going far out. If I were you, I'd be feeling the same. Okay. Oh, that's interesting. Okay. Yeah. Please. I'd like to hear yeah. You probably like oh my god. They're telling you about helping me some of my quizzes she's done. Yeah. But it just reflects on your company, isn't it? And it's like it doesn't make you feel good when you're like, hang on. I work for these guys, and they don't have a great reputation anymore. That was so so so convincingly, and then it's kind of like, oh, yeah. Do you wanna know what? Please. Yeah. If it yeah. Please if you can let me know where I'm standing right now. You're you're looking at reviewing it and then discussing that with me. Is that correct? Or have you done that already and this is yeah. No. That's okay. Mhmm. Okay. Got you. Which is what percent of what? Well, I'd like it to be 1.1% of whatever you grow. Like, I'd I'd be I'd be prepared to I I think it should be what you grow. I don't think you're I don't think you should be privy to 1.1% of my super balance when you're not actually growing it. That's where I am. So I will refrain from that until you've returned to me with an absolute outline of why I'm so not an outline, but, like, a recommendation. Like, a a a like, I haven't seen a report or anything of I haven't seen anything. You know? No paperwork. No. Like, okay. Here. This is this is I haven't seen. If you could please send me through a a snapshot, like, of of my of the, like, the performance of the of it for the last year, that'd be fabulous. Because I've seen nothing. Have you wonderful. Grace. Because, like, it's really hard for me to comment on something that I haven't seen since. You know? And nobody was sending it through to me previously because they wanted me to sign up and have the conversation first. I'm like, well, I couldn't do that until someone's actually showing me what I've done for the last had for the last year. Thank you. Yeah. I was just like, that's not quite right, is it? Like, I've I've I've always liked from other funds, like, you know, the big ones, like, before I rolled over and that, it was always like, they send you out your your six month year or your quarterly review or yearly half year by half yearly. And and you get these things, all the graphs, and they're like, this and that. It tells you, like, your your percentage of what direction it's been in. And I'm like, I haven't seen any, yeah, I haven't seen anything of that. Thank you. Yep. I'd always said yeah. No. I'd always said I would like my catch up whenever it's I'm happy for the yearly catch up if it's if it's tracking upward. That is it it's not progressing at what we consider to be the bare minimum, which I think 1% is not even the bare minimum, to be fair. Right? And so that's why and that's what I shared is, like, I would like to be contacted whenever it's not progressing in the way it should be so that we can review that and get it on on track. If that's if it's tracking and it's doing all the right things for a whole year, then you don't need to speak to me. But if it's not, then I expect to call. Let's say, hey. Maybe we should just, like, review this because it's not on it's not on target. That was what I'd understood and that was happening, and then it didn't happen. I was like, oh my god. 1% over the whole year. Why am I only just hearing about this now? It's not what I ever understood it to be. I don't wanna commit to anything else until I've looked at other options. Well, no. I don't I I want the best option. I want the best option. I shouldn't be telling you who to look at. You should be looking at them all and telling me. Especially if you're requesting 1% of my whole balance. You know what I mean? Like, it shouldn't be up to me to be able to go and do the research to tell you to research it. Yeah. I was just plucking numbers out of, like, what I see regularly come up. Please. Yeah. I do. Yeah. That'd be wonderful. Yeah. That's the services guide, the financial services guide version for the twenty first to the fifth twenty sixth super insurance summary. The twelve month hub '24 well, the twenty first to the fifth December hub '24 I r l I r r. Then the MLC, CRC, and the Vanguard index charts. Yep. Yep. Yep. Yep. Right then. Yeah. Okay. Mhmm. Yeah. That's fine. That will pay out my mortgage for my husband and give him a couple years. So yeah. I will look. Yeah. It's probably to be fair, it probably doesn't even need to be that high. I don't know what has he got on his for me. I don't actually think no. I think mine's I think his is at one point. Oh, I think we dropped it so that we weren't paying such ridiculous premiums because we thought, what's the point of paying such big premiums when we could just put it straight in on to our mortgage right now? Whenever we're paying on these premiums, we could pay as up because our mortgage is only, like, $350 or something less than so it's, like, not that much, really. But I have to just, like, double down on that rather than paying for someone paying for insurance for someone to pay. Because the reality is we would be fine to pay it off if one of us was left and we were left working. We could do it. So I'm almost like, well, I'd rather just have the money coming in to be able to double down on my principal monthly for him or for myself and not be banking on the fact that anything's gonna happen to either of us. We would only need enough to clear our mortgage, which is about 3 it's about $400, really, 354 100 to make it easy. So what are our premiums currently, please? Yeah. But it's something that we're paying for. We are most definitely paying for it. Yes. Yeah. Okay. Well, just currently sorry. Currently, I'm not working. So I'm paying income protection, and I'm not working. So if something were to happen to me, would or if that sorry. If I was something was to happen yeah. Nothing's gonna happen to me for my income protection. I'm paying 3,000. How much am I paying on ink yeah. Because I'm currently not working. So can we just call that straight away, please? Mhmm. Yeah. Okay. Yeah. See, this is the thing. It's funny because I told them right. Because I've been out of work for a year and a half, and I told them about at least a year ago that I wasn't working. And it's still coming out with income protection. I was thinking about going back to work, but it was not happening anytime soon. Writing, sir. Yeah. Yeah. That's fine. I'm completely healthy. But, yeah, that can just come through on your report. Oh, that's in. Thank you. Yeah. Well, because this it's all paid from my super. Right? And if it's And so to have that coming from my super, then that would be, like, TPA $400 or something like that instead of would it be a a a bath? If it was to be halved, would that pretty much halved the the premium? Okay. Yeah. I got it. Yeah. Okay. Correct. Yeah. Yep. No. No. We don't. Not a single debt except for exactly 350,000. Okay. Sorry. What is that 1? I'm just looking at the exact. I've got sorry. Yes. Exactly. $3.50 on the dot. Let me know. $3.53 50 does anywhere between $3.50 and 600. I think 850 is just, like, a bit excessive. I don't know what we need that for at the moment. What I mean is I would like I would rather oh, gosh. Total permanent disability. I need to do you wanna know what I probably need to do if I actually read the policy and see what it covers me for? Because that's the thing. A lot of it's all dependent on coverage, isn't it? Like, you know, you pay through the notes thinking we'll pay, like, absolute little for, like, you pay for all the extras that you don't need. You really just need hospital cover on something. I'm just, like, saying, for example, like, with your health insurance. Like, it's really all dependent on what you need it for, and I'm, like, going, okay. So what would this total and permanent disability cover me for? Does it cover you for, like is it does it cover you for cancers? Does it cover you or does it just cover you for car accident? Like, do you know what I mean? Like, I'm just What is it? Yeah. Yes. Yep. Yeah. Yeah. But yeah. I get it. But knowing that, say, if I was yeah. See, at the moment, because I'm solely supported by my well, I'm I'm working in the home. Right? So and, like, work yeah. So my husband is supporting us. If he was so what yeah. But he wouldn't be able to support us if I wasn't supporting him. So it's like, you know, what comes best is the technology. Is the woman who's supporting the men so he can support the family or will that anyway, it's the whole it's the whole thing. We've just it just works that in our best interest this way. However, if something were to happen to him, his insurance is set up to sort out so that our kids and the family and everything could continue to carry on. If something were to happen to me, I'm not bringing an income in at the moment anyway, but I but as women's as women but I I would be able to I can work from home, and I can sit in an office. So it's unlikely that I would get TBD anyway because my job is wholly and solely based generally on my capacity to be able to sit there and spit out spreadsheets and do using a computer computer facet of environment, and that is unlikely to be affected unless I unless something unless that something is, you know, with your mental cognitive activity, whatever, in there. Nah. So I don't know. So that'll look again. Yeah. So TPD is unlikely to be something that I'm ever gonna be able to draw on unless I read the fine print and see that it's easy for me to get from that. And then that's possibly not gonna be until a way later in my life anyway. Well, I'd like to be able to be applicable for the TBD if something were to happen to me. Do I if I'm not working, does TBD still stand for me? Is that that's just that's the thing. Yeah. It does. Yep. Yeah. Right. Okay. Got you. Yep. Yep. Yep. Yep. So if I was to get I guess I need to read it. Like, if I was to get breast cancer or if I was to have a heart attack or something like that, kind of cardiovascular disease or something like that. I'm wondering if all that sort of Yeah. Yes. Yes. Gotcha. Yep. Got it. Yeah. Yeah. No. It totally does. Yeah. So it really it really depends. Cara, let's see about that. Thank you. Yeah. It'd be interesting just to see what the premium comes down to when you remove IP from that, please. Okay. Oh, yeah. The MLCCFA. Here it is. Yep. Gotcha. I've opened it. Right. Mhmm. Okay. Yep. Yes. Yep. Okay. Gotcha. You're right. So the income protection is 9 40. You're right. $9.41. Well, that immediately, we can just remove until such a point. There's only a thirty day waiting period if I was to go back to work, but that's not happening any. Oh, yes. A 30 question. Yeah. Yep. Sorry. I was thinking waiting period is, like, you know, when you join us on medical fund, and then it's, like, three months till you can claim orthodontist. Okay. So okay. That can all I'll I'll I'll sit on that one, speak to my husband and check-in with him. Mhmm. And if I was at Yes. Yes. No. That sounds great. Yes, please. Do that. That's great. Mhmm. Yeah. Yeah. I'm open. Two points is two. Two places. Yes. Yeah. Peddi Global. Yeah. Yeah. So I'm just reading it. Okay. Gotcha. No. Oh, ASAP, but, like, I yeah. What's the earliest age that we're well, the reality is that, like, we don't have a date an expiry date. None of us has a life expiry an exact date of our life expiry. So you sit there and, like, get wait until you're 67 to to die at the age of 72. What's the point of waiting to access it to have to work until you're 70 to pay off your mortgage? I would rather personally take it out straight away and just dump it on my mortgage because we'd probably be that quite between my husband and I by then to pretty much paid it out and be following like, honestly, we've got a a bit out of the bag. Right? Mhmm. Sixty. Okay. So ten years. Yeah. I'll be accessing it in ten years. I know. Yes. You should probably, you know, trust other people to invest it and grow it further and whatnot. But the reality is the amount of money that we pay on interest, It's a well, I'm I'm looking at the growth of this whole portfolio and what's been happening with it. It's actually way better value for me to check it on my mortgage and not be paying interest rate. Yeah. Yeah. Yeah. I know. I'll work. I'll just happily work, and I've got an Airbnb out the back. It what it means is that I don't need to pay a mortgage, but I just work to live, and it's a way easier option for me. It's way more comfortable. Yeah. I'll go and live in our caravan and and get an income of, like, you know, $2 a week for a house. Like, oh, happily do that. Well, yeah, it's probably about 1,500 at the minute, but I'm thinking in ten years from time from now, it's gonna be up there. Ridiculous. Yeah. Sorry. I'm just like, I'm going more for the safer option then because, like, I was working at the anti corruption commission with a beautiful lady. I I did this massive you know, I I gave her a massive send off, then AMP and everything that this is she the GSE before the like, probably in 1997. It was one of it was before the one in 2005, whatever date it was, 2005. Anyway, she lost all the like, her everything absolutely collapsed. Four weeks later, she was back at work. It was heartbreaking. She should have been yeah. No. Exactly. Well, I just look. I'm all up for high risk, but I'm looking at what high risk has earned me this year. I'm not going sweet, I say, really, 2.62%. I would probably have earned more if I'd gone safe. Yep. Uh-huh. Can I ask how long do you feel it's going to take before our high growth sort of fun starts to bounce back a little bit? Because I was just like thinking if I'd been in bloody anything today with, like, you know, AI and all that sort of stuff, we would have been doing it. I think so it's kind of like, where is all my money tied up at the moment? Like, what are the what are the actual funds of a I can't understand what these That's right. Ones like battery tech lithium, from S and P five hundred Asia. That's better. Yeah. That's obvious. Vanguard. Do you have conserve like, what what Vanguard do conserve the HF unit? Are they that's it's like because doesn't Vanguard have a billion different things that's hard to sell one. Yeah. So it's hard for me to just tell what these portfolios are for because, okay, yes, they're recognizable names, but I don't know what they're actually. Yeah. Yep. Thank you. That would be great. As long as it's in the right high growth, but in the right in the right kind of funds. Like, I like I can see sort of, like, you know, high growth, for example, like, AI is worth kind of betting on. It's kind of a bit of a it's here. It's obviously, like, taking the world by storm, and it's doing it's like there is so much. But it's like when the Internet arrived, like, the most millionaires are gonna arrive with the Internet. It's like AI brewing. It's like, well, hey. Yeah. But there's obviously the option. Like, you gotta keep an eye on it because it's boom and bust. Like, But it's yeah. And it's here at the moment, and it's absolutely doing doing massive things. So it's like well, it's obviously a sure bet at the minute even though it is high risk. Do you know what I mean? So so I sort of think it's like it's sort of like a smart risk, I sort of think. You know? Defense at the moment is kind of like a smart risk, but it's kind of at the same time, like, I'm I'm not qualified to make these decisions. I'm just speaking as a human who's, like, going, well, that what's going on around the world? Pardon? So it's like it's like kind of educated educated high risk. High risk is like, okay. Well, yeah, that's sort of smart. Like, that sort of makes sense. Not just high risk because, oh, wow. So and so says, you know, like, let's go and, you know you know, it says that they've got great ideas for shit. Yeah. No. I'm not a crypto girl. Mhmm. Do you see what I mean? So yeah. Yeah. High growth with high growth with supportive evidence behind it. So it's kind of like, well, that makes a lot of sense over my whole lifetime of experience. That makes sense. But don't come at me with with, yeah, with crypto and kind of that sort of shit because I'm like, no. Yeah. Totally. It's gamble. It's a gamble. I'm I'm a high risk with good evidence. I'm not a gambler. Thank you. Yeah. K. Thank you. Do you wanna know what? I haven't actually received the newsletter. It must be going straight through to my junk. I've looked for it, but I have not seen it. And that is probably why I'm complaining about my lack of, like, lack of, what do you call it, lack of, yeah, comms as well because I haven't seen it come through. No. It hasn't changed. But what's it coming through as? Because, like, this is k e w n e g y. Yep. At hot mail dot com. Can I have a what would it look like? What would I be looking for? What does it say? Is it just okay. Okay. I received yeah. Okay. It's showing a bit. Okay. So where is this going? I'm just looking. I've just, like, done a massive search on my phone. And I'm and I'm I think it's it's been going into must be going okay. No. That's a 05/20/2025, 08/10/2022, 03/26/2026. Oh, no. That's that's gone to quarter forty eight of August. I think I'm really getting that one, maybe one oh, gosh. Doesn't look very regular here. 40 eight of August, 11/17/2025. But not and the only thing I've received this year is the twenty sixth annual review from Whitland Smith's quarter summary on the March 26, but that went to quarter. Looks like things have been yeah. I will have to change it so that it comes up in my email. Yeah. Yeah. I don't know. Okay. Thank you. Great. Yeah. I have. No. I haven't. No. Okay. Yes. Yeah. Yeah. Okay. Yep. Okay. It's something I'm open to, but it's something that I'm not so it's something that I don't have my head around. To be fair, I have not yet. I don't no. I found that. Okay. That sounds great. It sounds like it's minimizing a whole lot of admin and time. It's right with the time saving. So therefore, it's allowing you to opt out of a portfolio or change a fund ASAP rather than having to wait for all of the the reviews and the emails and the sign offs and the authorizations, you can actually do it quicker and before things change or fall dramatically. Is that what you sort of mean? Okay. Well, I'm good. Mhmm. Yep. Yeah. Yes. Yeah. Yeah. Because that's the estimate and, again, like, all that sort of stuff, it's great when you got someone that's all over your portfolio and doing it and looking at it and on top of it. You know? But it's not good if it's sort of just not being if it's you know what I mean? It's only as good as the person managing it. Like like like on software. You know what I mean? Like, if it's sort of sitting there, it's not gonna if if someone's not quick to jump on it, then it's not gonna do anything. But if you're really quick at it, then it makes all the sense in the world to be able to action it immediately and and beat the fall or hit all the rides or whatever it is that you're trying to catch. Do you know what I'm trying to say? Because I'm not a I'm not I'm not qualified in any way at all to talk your language. I have no idea what I'm saying, but I know what I mean. Pardon? Alright. Okay. Okay. Thank you. Yes. Yep. I think it's about 1.6, 1.7. No. No. No. No. Well but that if the bank was to go in and value it, they would probably because my my neighbor, she just had hers valued. But hers is still on the corner, and it's not as big. But the bank valued hers, I think, at 1.4 just conservatively because it was kind of, like, one of those, yeah, a conservative thing. But ours has the extra bedroom and all the things like that, and they sleep out. Yeah. Like, an extra yeah. So, like, a granny flat available at the back. So yeah. Yeah. So I think it's yeah. Definitely. I think that would be conservative on it. Yeah. Yeah. Mhmm. We have yeah. Our cars are all paid for. We've got two cars. We've got a product and a which is probably worth about 25 and because it's an older one now, and our small car is probably worth 5. Yeah. Yeah. Caravan. We've just got all the camping gear. We don't have anywhere to store our caravan at the minute we sold it. Oh, I've already factored all of that in. I always got, like, yeah, $1,500 in a boat, half the half in a small sailboat. All of our yeah. We've got assets, like, you know, stuff like, you know, jewelry and stuff, but I'm not gonna bother with accounting for that. That's fine. That's yeah. No. It's only small, probably worth that. Yeah. I'd because that we've gone half, it's probably it's a more small trailer sale. That's probably worth about 5. That's a 3 or 4. I'm probably yeah. Just say $1.01 and a half. I wouldn't even it needs me to work on it at the minute. Don't even count it. Yeah. Mhmm. Like what? Like, sort of no. See, that's the thing. We don't have any other assets or anything like that. We've just lived without a simple life. We did have a lot, and now we've we've sold we've sold them all and just wanted to keep, yeah, very simple. Mhmm. I can't. This dress? Yeah. This dress. Look. Yeah. Mhmm. Wow. Yep. No. Very healthy. That's the next thing. That's the next thing. Yeah. Yep. Go for it. But at the same time, we'll probably I know that, like, the first life saving and all those sort of things, they do free wheels and all that stuff. So I should probably do it like that, possibly. I'm not sure. That was very straightforward. Yeah. Thank you. Yeah. Thank you. Yeah. I've been doing quite a lot. Yeah. No. I've been doing quite a lot. But, see, I find that rather than paying someone $90 an hour at the moment to, like, you know, paint and do things that I can do and allow me to be at home full time when my husband comes home, then work on his way. It just gives us freedom. So me working, it's not like I'm not doing anything at home. I'm painting. I'm tyleeing. I've just, yeah, redone our reskinned our back shed and, like, you know, done all the things. But all these things are happening, and it's, like, makes a massive difference. So I have to that having to redraw on it. Well, all of us can actually do it. It's really freaking easy. You just gotta, like, be bothered and actually, like, have a fair amount of tools available to you as well. So, you know, if you've got the tools in the names, it's easy, but it's very difficult if you don't have them. Well, the investment that's it. To invest in the tools, it's it's like they're expensive. And so if you're going to use them and you can see the value in having them, well, then it's great. You know? Like, it's amazing what you can do with a nail gun and a staple gun and and yeah. No. It's fun. Yeah. Yeah. Yeah. All you need these days is, like, a couple of like, you need to, like, go, oh, Zita or what what what brand am I gonna use? And you gotta see like, it's a really it's really easy to be able to, like with all the battery charged tools and stuff, like, with the with the, like, rechargeable batteries that are all multi you know, they they all go into the same sort. It's amazing. Tools are a lot cheaper, and you can actually do so much more now. So much easier for females to learn who like crafting. If you can craft, you can do you can do renovating. Can't believe it. Yeah. Believe it. Yeah. Yeah. Yeah. Thank you. Yeah. Yeah. That's fine. I'm free all day Monday. Really into schooling. Yeah. Yeah. Yeah. Yeah. Yep. That's fine. Yep. Mhmm. Yep. Yes, please. Yes, please. Yep. It's fine. I haven't yeah. It'll be fine. Yep. Excellent. Sounds great. Alright, Katie. Thank you so much for that. No. At the moment, all good. Looking forward to, yeah, looking forward to what you come back with, actually. So thank you. Alright. I will. Thank you. Thanks, Anne. 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If you record your name and reason for calling, I'll see if this person is available. Thanks. Please stay on the line. Hello?\n\nYes. Speaking. Yeah. Good day, Veronica. How are you?\n\nYep. Let's get it done. It's been been overdue. Mhmm. Yep.\n\nYeah. Yeah. I was just it was mostly yeah. I just yeah. We just had a very busy beginning of the year, and I sort of wanted to see how few things played out with regards to, you know, global markets and all that sort of stuff.\n\nYou know, just everything was just like, I was like, it's a bit hard to try and make big decisions right the minute when we're going through a massive just like the whole petrol thing just kicked off and all that sort of stuff. We're like, not sure what I wanna do just yet. Yep. Yeah. That's fine.\n\nYeah. Yep. Shannon Dickinson. 20 Martha Street, Beaconfield. 05/28/1976, and O488542466.\n\nYeah. I just had a big fiftieth birthday on the weekend, so big party. No. No. Yeah.\n\nCorrect. Yeah. Still cover recovering. We sort of, yeah, put that that was sort of a bit of a reason I had yes. There's so much going on in the later, but it was like, okay.\n\nI will 100% look at tax and lease afterwards. Yeah. Yeah. Yeah. Thank you.\n\nWhat was that? Sorry. A what? Oh, yes. Thank you.\n\nMhmm. Yep. I'm not working at the moment. Correct. Yes.\n\nI'm sure I'm paying lots of taxes and stuff, like, income tax. I don't know. Not income tax. Sorry. What do you call it?\n\nNot sure if I'm paying insurances and stuff for things that I'm not doing yep. Yep. Can I just yeah? Can I just ask, like, when everything like, the and Big Rose and White didn't wanna change anything? The last time when they were sort of rang was because everything just had just totally plummeted.\n\nAnd it was kind of like, well, to sell everything, that's had an absolute way. Okay. Yeah. You might be buying other things at an absolute way. But if everybody's dumping and buying, then, you know, if something's cheaper and something's more expensive, it's kind of like a do you wait for it to plateau a little bit and just ride it for five you know, just until it's sort of you know, which I think was the smartest thing to do if it was done because things are sort of, you know, regulating have regulated well, stabilized slightly.\n\nI'm not one of those ones. I've lived in lived around the block and back a bit enough to know that things do stabilize. And if you just dump and run like everybody else, then you just sort of, you know, start buying buying at a boom. You know? And it's like, well, buying in a boom.\n\nLike, why? Just yeah. Anyway, it's Or you might just wanna wait, like, wait a couple of weeks for it to just sort of let you know, how you have your massive correction. Just wait for it to up. It's like but don't don't sell it straight away because you're just losing a lot more than you should probably need to.\n\nAnd I don't really feel like I'm in that desperate position that I need to try and sort of, like, you know, need to react in that sort of space. So that was my main reasoning for just holding out, thinking, okay. Well, Craig's changing, and I'm not. So, like, at least, this is, like, hedging our bets. So can I just ask, like because I've sort of, like, just gone, look, just hold?\n\nBecause I had all this high risk stuff anyway, and I'm like, oh, man. Well, you know, like, you sell that now. It's gonna be, like, worth zero, like, to buy into, like, whatever. It's kinda you know what I'm saying? I hope you're hearing what I'm saying.\n\nI'm not very good at explaining it. I'm obviously, like, recovering from my fidget party, so I'm not really that bit comatose still too fair. But the so, basically, yeah, where are we at the moment? Where do we stand? This is your high temp.\n\nMhmm. Yep. I do. Yep. I do.\n\nMhmm. That was a, like because see, is that all, like, the advisory fees and all that sort of stuff? Because that the reality was when I first bought into this thing, it was, like, a $3,000 one off fee, like a and then and then it was, like, a percentage of of any of the earnings that I made, and you only made 1% earnings, like, the equivalent to 1% earnings over the whole twelve months. So I was like, Jesus. And now you wanna hit me up with another $3,000 fee that was also or another another fee?\n\nAnd I was like, okay. I don't know how I feel about this because you're not performing. You're now making me pay for the fact that you're not doing a very good job. And so that's why I haven't paid for it, to be frank. I'm, like, going, I don't know if I should.\n\nSo I really wanna before I so before sorry. So before I actually go and agree to signing up with you guys for another twelve months and doing all those things and paying extra fees, I wanna see what I'm paying for because, realistically, the his like, the info the what I have paid for, I'm I'm I'm I'm not getting what I I could be going I should go to something like Host Plus or Australia Zoo or whatever, and I'd probably be in front. Mhmm. Mhmm. Yeah.\n\nAnd if I'm only making 1% over the year, then, of course, you're not making then it's sort of like, what am I? Do you? Yeah. It's concerning. Especially when I didn't know that Alan Merceditch, my previous adviser, had left.\n\nSo I was like, oh, that's interesting. I didn't know he'd gone out on his own. I just was like, okay. This is yeah. And, yes, I know that I've been difficult to get a hold of.\n\nSorry. I know that I've been difficult to get a hold of, but I've been difficult to get a hold of because I'm like, I'm not yeah. I'm like, those are things that could have come I could have got something sent in an email. Like, just a prompt or anything. I just wasn't getting that.\n\nSo I'm like, man, I haven't been easy to get a hold of too because I haven't wanted to commit because I haven't been impressed. Yep. So you're Alan's replacement. Is that right? Are you?\n\nMhmm. Right. Yep. Yep. And can I ask yeah?\n\nSo how much am I paying at the moment? Like, 1% of the earnings or 1% of my whole balance? Because, like, if my balance is just being chomped away at and you're just getting a 1% fee of my balance, and you really got absolutely no desire or no real motivation to to grow it because I haven't made anything. There's nothing because I have made nothing. And that's why I was like like, that is hectic when it's been a really big year and you've only made 1%.\n\nLike, that is scary. Like, why why that was what I understood Alan was gonna be ringing me. If there was any, you know, anything of concern, if it wasn't performing, if it wasn't doing well, then I would be the first to know. And I haven't received a I haven't received anything from him. Just that I only get those I would only get those those the standard text message or phone call from I think it was Tara or just the various people who would work.\n\nNot just this is not just Alan. It was just, like, from the various administrators who'd ring up to try and book me in for, like, my yearly review. But there was no contact when there was significant market change saying, hey. I think we need to do this. Hey.\n\nYou're high performing. You're all in. You're in high high yeah. What are they called? High high yeah.\n\nHigh growth investments, and they're really not doing much for you. Maybe, you know, that is good. Maybe once a quarter, you might get a touch base if you're not if if you haven't made a certain amount. But if you haven't if you haven't alright. If your assets haven't grown by a certain percent by more than 1% a quarter.\n\nYou would expect a phone a phone call saying, hey. Look. You know, we've been sitting on 1%, like, average growth for the last six months. That's not good. That's that's that's nowhere near a forecasted what we should at least be getting around 8% over twelve months.\n\nThat's not even gonna come close to that over the next six months. We're not gonna be able to, like, you know, grow it to to come close to half of where you should be. That's pretty fucked. I'm so sorry, Victor. I don't really swear.\n\nI'm just like, this is where I've stuck my head in the sand going, what the hell is going on with my super? I can't look at it. It's making me feel ill. And I haven't had and I haven't had the chance to actually investigate where I wanna roll out to. And that's the only reason why I haven't actually been in contact because I've just I absolutely been gonna hell no.\n\nI'm not signing back up with you guys. That it's been a hell no. Because I'm 50 now, and I'm like, holy shit. I've got probably close to less than what I've rolled into you guys. I'd say if you don't mind, because I'm like yeah.\n\nI've just looked away just feeling relatively, like, ill with the whole thing and just going I know. I know. I know. Of course you don't. Yeah.\n\nYeah. Because I'm definitely disappointed. Yeah. Thank you. I appreciate all that.\n\nBut it's just like it seems like almost extra additional fees for, like, what? Because I had chance that all my money, like, just, like, rolled it over into a where. You know? And then someone just said, oh, where? Where?\n\nWhere? Where? And so then I thought, oh, maybe I need to go to the Viber. And I realized now, if I'd stayed with a where, I would have had no fees, nothing. Would have all done it personally myself, and I'm probably and I would be waiting for the rest.\n\nIt's that's where I'm at. I'm just like, oh, holy shit. I just don't tell anyone to do it because all this stuff will offer me money. It's, like, so annoying. It is so annoying.\n\nPeople care about growing all their funds and having big portfolios so they get all their big percentages, but it gets to a point where it's the only person who really cares about their own money and keeps a real there's a real eye on it is the person who is who is who it belongs to me. And so this is where I'm starting to, like, just go, shit. I just need to really, like, look into it myself and learn about it myself so I can actually do it. Because I would love to trust you, Victoria, but I've just trusted your company for so long and found that it was, like, a 1% growth last year. It's like, holy shit.\n\nYou know? And I know that you're listening to me going far out. If I were you, I'd be feeling the same. Okay. Oh, that's interesting.\n\nOkay. Yeah. Please. I'd like to hear yeah. You probably like oh my god.\n\nThey're telling you about helping me some of my quizzes she's done. Yeah. But it just reflects on your company, isn't it? And it's like it doesn't make you feel good when you're like, hang on. I work for these guys, and they don't have a great reputation anymore.\n\nThat was so so so convincingly, and then it's kind of like, oh, yeah. Do you wanna know what? Please. Yeah. If it yeah.\n\nPlease if you can let me know where I'm standing right now. You're you're looking at reviewing it and then discussing that with me. Is that correct? Or have you done that already and this is yeah. No.\n\nThat's okay. Mhmm. Okay. Got you. Which is what percent of what?\n\nWell, I'd like it to be 1.1% of whatever you grow. Like, I'd I'd be I'd be prepared to I I think it should be what you grow. I don't think you're I don't think you should be privy to 1.1% of my super balance when you're not actually growing it. That's where I am. So I will refrain from that until you've returned to me with an absolute outline of why I'm so not an outline, but, like, a recommendation.\n\nLike, a a a like, I haven't seen a report or anything of I haven't seen anything. You know? No paperwork. No. Like, okay.\n\nHere. This is this is I haven't seen. If you could please send me through a a snapshot, like, of of my of the, like, the performance of the of it for the last year, that'd be fabulous. Because I've seen nothing. Have you wonderful.\n\nGrace. Because, like, it's really hard for me to comment on something that I haven't seen since. You know? And nobody was sending it through to me previously because they wanted me to sign up and have the conversation first. I'm like, well, I couldn't do that until someone's actually showing me what I've done for the last had for the last year.\n\nThank you. Yeah. I was just like, that's not quite right, is it? Like, I've I've I've always liked from other funds, like, you know, the big ones, like, before I rolled over and that, it was always like, they send you out your your six month year or your quarterly review or yearly half year by half yearly. And and you get these things, all the graphs, and they're like, this and that.\n\nIt tells you, like, your your percentage of what direction it's been in. And I'm like, I haven't seen any, yeah, I haven't seen anything of that. Thank you. Yep. I'd always said yeah.\n\nNo. I'd always said I would like my catch up whenever it's I'm happy for the yearly catch up if it's if it's tracking upward. That is it it's not progressing at what we consider to be the bare minimum, which I think 1% is not even the bare minimum, to be fair. Right? And so that's why and that's what I shared is, like, I would like to be contacted whenever it's not progressing in the way it should be so that we can review that and get it on on track.\n\nIf that's if it's tracking and it's doing all the right things for a whole year, then you don't need to speak to me. But if it's not, then I expect to call. Let's say, hey. Maybe we should just, like, review this because it's not on it's not on target. That was what I'd understood and that was happening, and then it didn't happen.\n\nI was like, oh my god. 1% over the whole year. Why am I only just hearing about this now? It's not what I ever understood it to be. I don't wanna commit to anything else until I've looked at other options.\n\nWell, no. I don't I I want the best option. I want the best option. I shouldn't be telling you who to look at. You should be looking at them all and telling me.\n\nEspecially if you're requesting 1% of my whole balance. You know what I mean? Like, it shouldn't be up to me to be able to go and do the research to tell you to research it. Yeah. I was just plucking numbers out of, like, what I see regularly come up.\n\nPlease. Yeah. I do. Yeah. That'd be wonderful.\n\nYeah. That's the services guide, the financial services guide version for the twenty first to the fifth twenty sixth super insurance summary. The twelve month hub '24 well, the twenty first to the fifth December hub '24 I r l I r r. Then the MLC, CRC, and the Vanguard index charts. Yep.\n\nYep. Yep. Yep. Right then. Yeah.\n\nOkay. Mhmm. Yeah. That's fine. That will pay out my mortgage for my husband and give him a couple years.\n\nSo yeah. I will look. Yeah. It's probably to be fair, it probably doesn't even need to be that high. I don't know what has he got on his for me.\n\nI don't actually think no. I think mine's I think his is at one point. Oh, I think we dropped it so that we weren't paying such ridiculous premiums because we thought, what's the point of paying such big premiums when we could just put it straight in on to our mortgage right now? Whenever we're paying on these premiums, we could pay as up because our mortgage is only, like, $350 or something less than so it's, like, not that much, really. But I have to just, like, double down on that rather than paying for someone paying for insurance for someone to pay.\n\nBecause the reality is we would be fine to pay it off if one of us was left and we were left working. We could do it. So I'm almost like, well, I'd rather just have the money coming in to be able to double down on my principal monthly for him or for myself and not be banking on the fact that anything's gonna happen to either of us. We would only need enough to clear our mortgage, which is about 3 it's about $400, really, 354 100 to make it easy. So what are our premiums currently, please?\n\nYeah. But it's something that we're paying for. We are most definitely paying for it. Yes. Yeah.\n\nOkay. Well, just currently sorry. Currently, I'm not working. So I'm paying income protection, and I'm not working. So if something were to happen to me, would or if that sorry.\n\nIf I was something was to happen yeah. Nothing's gonna happen to me for my income protection. I'm paying 3,000. How much am I paying on ink yeah. Because I'm currently not working.\n\nSo can we just call that straight away, please? Mhmm. Yeah. Okay. Yeah.\n\nSee, this is the thing. It's funny because I told them right. Because I've been out of work for a year and a half, and I told them about at least a year ago that I wasn't working. And it's still coming out with income protection. I was thinking about going back to work, but it was not happening anytime soon.\n\nWriting, sir. Yeah. Yeah. That's fine. I'm completely healthy.\n\nBut, yeah, that can just come through on your report. Oh, that's in. Thank you. Yeah. Well, because this it's all paid from my super.\n\nRight? And if it's And so to have that coming from my super, then that would be, like, TPA $400 or something like that instead of would it be a a a bath? If it was to be halved, would that pretty much halved the the premium? Okay. Yeah.\n\nI got it. Yeah. Okay. Correct. Yeah.\n\nYep. No. No. We don't. Not a single debt except for exactly 350,000.\n\nOkay. Sorry. What is that 1? I'm just looking at the exact. I've got sorry.\n\nYes. Exactly. $3.50 on the dot. Let me know. $3.53 50 does anywhere between $3.50 and 600.\n\nI think 850 is just, like, a bit excessive. I don't know what we need that for at the moment. What I mean is I would like I would rather oh, gosh. Total permanent disability. I need to do you wanna know what I probably need to do if I actually read the policy and see what it covers me for?\n\nBecause that's the thing. A lot of it's all dependent on coverage, isn't it? Like, you know, you pay through the notes thinking we'll pay, like, absolute little for, like, you pay for all the extras that you don't need. You really just need hospital cover on something. I'm just, like, saying, for example, like, with your health insurance.\n\nLike, it's really all dependent on what you need it for, and I'm, like, going, okay. So what would this total and permanent disability cover me for? Does it cover you for, like is it does it cover you for cancers? Does it cover you or does it just cover you for car accident? Like, do you know what I mean?\n\nLike, I'm just What is it? Yeah. Yes. Yep. Yeah.\n\nYeah. But yeah. I get it. But knowing that, say, if I was yeah. See, at the moment, because I'm solely supported by my well, I'm I'm working in the home.\n\nRight? So and, like, work yeah. So my husband is supporting us. If he was so what yeah. But he wouldn't be able to support us if I wasn't supporting him.\n\nSo it's like, you know, what comes best is the technology. Is the woman who's supporting the men so he can support the family or will that anyway, it's the whole it's the whole thing. We've just it just works that in our best interest this way. However, if something were to happen to him, his insurance is set up to sort out so that our kids and the family and everything could continue to carry on. If something were to happen to me, I'm not bringing an income in at the moment anyway, but I but as women's as women but I I would be able to I can work from home, and I can sit in an office.\n\nSo it's unlikely that I would get TBD anyway because my job is wholly and solely based generally on my capacity to be able to sit there and spit out spreadsheets and do using a computer computer facet of environment, and that is unlikely to be affected unless I unless something unless that something is, you know, with your mental cognitive activity, whatever, in there. Nah. So I don't know. So that'll look again. Yeah.\n\nSo TPD is unlikely to be something that I'm ever gonna be able to draw on unless I read the fine print and see that it's easy for me to get from that. And then that's possibly not gonna be until a way later in my life anyway. Well, I'd like to be able to be applicable for the TBD if something were to happen to me. Do I if I'm not working, does TBD still stand for me? Is that that's just that's the thing.\n\nYeah. It does. Yep. Yeah. Right.\n\nOkay. Got you. Yep. Yep. Yep.\n\nYep. So if I was to get I guess I need to read it. Like, if I was to get breast cancer or if I was to have a heart attack or something like that, kind of cardiovascular disease or something like that. I'm wondering if all that sort of Yeah. Yes.\n\nYes. Gotcha. Yep. Got it. Yeah.\n\nYeah. No. It totally does. Yeah. So it really it really depends.\n\nCara, let's see about that. Thank you. Yeah. It'd be interesting just to see what the premium comes down to when you remove IP from that, please. Okay.\n\nOh, yeah. The MLCCFA. Here it is. Yep. Gotcha.\n\nI've opened it. Right. Mhmm. Okay. Yep.\n\nYes. Yep. Okay. Gotcha. You're right.\n\nSo the income protection is 9 40. You're right. $9.41. Well, that immediately, we can just remove until such a point. There's only a thirty day waiting period if I was to go back to work, but that's not happening any.\n\nOh, yes. A 30 question. Yeah. Yep. Sorry.\n\nI was thinking waiting period is, like, you know, when you join us on medical fund, and then it's, like, three months till you can claim orthodontist. Okay. So okay. That can all I'll I'll I'll sit on that one, speak to my husband and check-in with him. Mhmm.\n\nAnd if I was at Yes. Yes. No. That sounds great. Yes, please.\n\nDo that. That's great. Mhmm. Yeah. Yeah.\n\nI'm open. Two points is two. Two places. Yes. Yeah.\n\nPeddi Global. Yeah. Yeah. So I'm just reading it. Okay.\n\nGotcha. No. Oh, ASAP, but, like, I yeah. What's the earliest age that we're well, the reality is that, like, we don't have a date an expiry date. None of us has a life expiry an exact date of our life expiry.\n\nSo you sit there and, like, get wait until you're 67 to to die at the age of 72. What's the point of waiting to access it to have to work until you're 70 to pay off your mortgage? I would rather personally take it out straight away and just dump it on my mortgage because we'd probably be that quite between my husband and I by then to pretty much paid it out and be following like, honestly, we've got a a bit out of the bag. Right? Mhmm.\n\nSixty. Okay. So ten years. Yeah. I'll be accessing it in ten years.\n\nI know. Yes. You should probably, you know, trust other people to invest it and grow it further and whatnot. But the reality is the amount of money that we pay on interest, It's a well, I'm I'm looking at the growth of this whole portfolio and what's been happening with it. It's actually way better value for me to check it on my mortgage and not be paying interest rate.\n\nYeah. Yeah. Yeah. I know. I'll work.\n\nI'll just happily work, and I've got an Airbnb out the back. It what it means is that I don't need to pay a mortgage, but I just work to live, and it's a way easier option for me. It's way more comfortable. Yeah. I'll go and live in our caravan and and get an income of, like, you know, $2 a week for a house.\n\nLike, oh, happily do that. Well, yeah, it's probably about 1,500 at the minute, but I'm thinking in ten years from time from now, it's gonna be up there. Ridiculous. Yeah. Sorry.\n\nI'm just like, I'm going more for the safer option then because, like, I was working at the anti corruption commission with a beautiful lady. I I did this massive you know, I I gave her a massive send off, then AMP and everything that this is she the GSE before the like, probably in 1997. It was one of it was before the one in 2005, whatever date it was, 2005. Anyway, she lost all the like, her everything absolutely collapsed. Four weeks later, she was back at work.\n\nIt was heartbreaking. She should have been yeah. No. Exactly. Well, I just look.\n\nI'm all up for high risk, but I'm looking at what high risk has earned me this year. I'm not going sweet, I say, really, 2.62%. I would probably have earned more if I'd gone safe. Yep. Uh-huh.\n\nCan I ask how long do you feel it's going to take before our high growth sort of fun starts to bounce back a little bit? Because I was just like thinking if I'd been in bloody anything today with, like, you know, AI and all that sort of stuff, we would have been doing it. I think so it's kind of like, where is all my money tied up at the moment? Like, what are the what are the actual funds of a I can't understand what these That's right. Ones like battery tech lithium, from S and P five hundred Asia.\n\nThat's better. Yeah. That's obvious. Vanguard. Do you have conserve like, what what Vanguard do conserve the HF unit?\n\nAre they that's it's like because doesn't Vanguard have a billion different things that's hard to sell one. Yeah. So it's hard for me to just tell what these portfolios are for because, okay, yes, they're recognizable names, but I don't know what they're actually. Yeah. Yep.\n\nThank you. That would be great. As long as it's in the right high growth, but in the right in the right kind of funds. Like, I like I can see sort of, like, you know, high growth, for example, like, AI is worth kind of betting on. It's kind of a bit of a it's here.\n\nIt's obviously, like, taking the world by storm, and it's doing it's like there is so much. But it's like when the Internet arrived, like, the most millionaires are gonna arrive with the Internet. It's like AI brewing. It's like, well, hey. Yeah.\n\nBut there's obviously the option. Like, you gotta keep an eye on it because it's boom and bust. Like, But it's yeah. And it's here at the moment, and it's absolutely doing doing massive things. So it's like well, it's obviously a sure bet at the minute even though it is high risk.\n\nDo you know what I mean? So so I sort of think it's like it's sort of like a smart risk, I sort of think. You know? Defense at the moment is kind of like a smart risk, but it's kind of at the same time, like, I'm I'm not qualified to make these decisions. I'm just speaking as a human who's, like, going, well, that what's going on around the world?\n\nPardon? So it's like it's like kind of educated educated high risk. High risk is like, okay. Well, yeah, that's sort of smart. Like, that sort of makes sense.\n\nNot just high risk because, oh, wow. So and so says, you know, like, let's go and, you know you know, it says that they've got great ideas for shit. Yeah. No. I'm not a crypto girl.\n\nMhmm. Do you see what I mean? So yeah. Yeah. High growth with high growth with supportive evidence behind it.\n\nSo it's kind of like, well, that makes a lot of sense over my whole lifetime of experience. That makes sense. But don't come at me with with, yeah, with crypto and kind of that sort of shit because I'm like, no. Yeah. Totally.\n\nIt's gamble. It's a gamble. I'm I'm a high risk with good evidence. I'm not a gambler. Thank you.\n\nYeah. K. Thank you. Do you wanna know what? I haven't actually received the newsletter.\n\nIt must be going straight through to my junk. I've looked for it, but I have not seen it. And that is probably why I'm complaining about my lack of, like, lack of, what do you call it, lack of, yeah, comms as well because I haven't seen it come through. No. It hasn't changed.\n\nBut what's it coming through as? Because, like, this is k e w n e g y. Yep. At hot mail dot com. Can I have a what would it look like?\n\nWhat would I be looking for? What does it say? Is it just okay. Okay. I received yeah.\n\nOkay. It's showing a bit. Okay. So where is this going? I'm just looking.\n\nI've just, like, done a massive search on my phone. And I'm and I'm I think it's it's been going into must be going okay. No. That's a 05/20/2025, 08/10/2022, 03/26/2026. Oh, no.\n\nThat's that's gone to quarter forty eight of August. I think I'm really getting that one, maybe one oh, gosh. Doesn't look very regular here. 40 eight of August, 11/17/2025. But not and the only thing I've received this year is the twenty sixth annual review from Whitland Smith's quarter summary on the March 26, but that went to quarter.\n\nLooks like things have been yeah. I will have to change it so that it comes up in my email. Yeah. Yeah. I don't know.\n\nOkay. Thank you. Great. Yeah. I have.\n\nNo. I haven't. No. Okay. Yes.\n\nYeah. Yeah. Okay. Yep. Okay.\n\nIt's something I'm open to, but it's something that I'm not so it's something that I don't have my head around. To be fair, I have not yet. I don't no. I found that. Okay.\n\nThat sounds great. It sounds like it's minimizing a whole lot of admin and time. It's right with the time saving. So therefore, it's allowing you to opt out of a portfolio or change a fund ASAP rather than having to wait for all of the the reviews and the emails and the sign offs and the authorizations, you can actually do it quicker and before things change or fall dramatically. Is that what you sort of mean?\n\nOkay. Well, I'm good. Mhmm. Yep. Yeah.\n\nYes. Yeah. Yeah. Because that's the estimate and, again, like, all that sort of stuff, it's great when you got someone that's all over your portfolio and doing it and looking at it and on top of it. You know?\n\nBut it's not good if it's sort of just not being if it's you know what I mean? It's only as good as the person managing it. Like like like on software. You know what I mean? Like, if it's sort of sitting there, it's not gonna if if someone's not quick to jump on it, then it's not gonna do anything.\n\nBut if you're really quick at it, then it makes all the sense in the world to be able to action it immediately and and beat the fall or hit all the rides or whatever it is that you're trying to catch. Do you know what I'm trying to say? Because I'm not a I'm not I'm not qualified in any way at all to talk your language. I have no idea what I'm saying, but I know what I mean. Pardon?\n\nAlright. Okay. Okay. Thank you. Yes.\n\nYep. I think it's about 1.6, 1.7. No. No. No.\n\nNo. Well but that if the bank was to go in and value it, they would probably because my my neighbor, she just had hers valued. But hers is still on the corner, and it's not as big. But the bank valued hers, I think, at 1.4 just conservatively because it was kind of, like, one of those, yeah, a conservative thing. But ours has the extra bedroom and all the things like that, and they sleep out.\n\nYeah. Like, an extra yeah. So, like, a granny flat available at the back. So yeah. Yeah.\n\nSo I think it's yeah. Definitely. I think that would be conservative on it. Yeah. Yeah.\n\nMhmm. We have yeah. Our cars are all paid for. We've got two cars. We've got a product and a which is probably worth about 25 and because it's an older one now, and our small car is probably worth 5.\n\nYeah. Yeah. Caravan. We've just got all the camping gear. We don't have anywhere to store our caravan at the minute we sold it.\n\nOh, I've already factored all of that in. I always got, like, yeah, $1,500 in a boat, half the half in a small sailboat. All of our yeah. We've got assets, like, you know, stuff like, you know, jewelry and stuff, but I'm not gonna bother with accounting for that. That's fine.\n\nThat's yeah. No. It's only small, probably worth that. Yeah. I'd because that we've gone half, it's probably it's a more small trailer sale.\n\nThat's probably worth about 5. That's a 3 or 4. I'm probably yeah. Just say $1.01 and a half. I wouldn't even it needs me to work on it at the minute.\n\nDon't even count it. Yeah. Mhmm. Like what? Like, sort of no.\n\nSee, that's the thing. We don't have any other assets or anything like that. We've just lived without a simple life. We did have a lot, and now we've we've sold we've sold them all and just wanted to keep, yeah, very simple. Mhmm.\n\nI can't. This dress? Yeah. This dress. Look.\n\nYeah. Mhmm. Wow. Yep. No.\n\nVery healthy. That's the next thing. That's the next thing. Yeah. Yep.\n\nGo for it. But at the same time, we'll probably I know that, like, the first life saving and all those sort of things, they do free wheels and all that stuff. So I should probably do it like that, possibly. I'm not sure. That was very straightforward.\n\nYeah. Thank you. Yeah. Thank you. Yeah.\n\nI've been doing quite a lot. Yeah. No. I've been doing quite a lot. But, see, I find that rather than paying someone $90 an hour at the moment to, like, you know, paint and do things that I can do and allow me to be at home full time when my husband comes home, then work on his way.\n\nIt just gives us freedom. So me working, it's not like I'm not doing anything at home. I'm painting. I'm tyleeing. I've just, yeah, redone our reskinned our back shed and, like, you know, done all the things.\n\nBut all these things are happening, and it's, like, makes a massive difference. So I have to that having to redraw on it. Well, all of us can actually do it. It's really freaking easy. You just gotta, like, be bothered and actually, like, have a fair amount of tools available to you as well.\n\nSo, you know, if you've got the tools in the names, it's easy, but it's very difficult if you don't have them. Well, the investment that's it. To invest in the tools, it's it's like they're expensive. And so if you're going to use them and you can see the value in having them, well, then it's great. You know?\n\nLike, it's amazing what you can do with a nail gun and a staple gun and and yeah. No. It's fun. Yeah. Yeah.\n\nYeah. All you need these days is, like, a couple of like, you need to, like, go, oh, Zita or what what what brand am I gonna use? And you gotta see like, it's a really it's really easy to be able to, like with all the battery charged tools and stuff, like, with the with the, like, rechargeable batteries that are all multi you know, they they all go into the same sort. It's amazing. Tools are a lot cheaper, and you can actually do so much more now.\n\nSo much easier for females to learn who like crafting. If you can craft, you can do you can do renovating. Can't believe it. Yeah. Believe it.\n\nYeah. Yeah. Yeah. Thank you. Yeah.\n\nYeah. That's fine. I'm free all day Monday. Really into schooling. Yeah.\n\nYeah. Yeah. Yeah. Yep. That's fine.\n\nYep. Mhmm. Yep. Yes, please. Yes, please.\n\nYep. It's fine. I haven't yeah. It'll be fine. Yep.\n\nExcellent. Sounds great. Alright, Katie. Thank you so much for that. No.\n\nAt the moment, all good. Looking forward to, yeah, looking forward to what you come back with, actually. So thank you. Alright. I will.\n\nThank you. Thanks, Anne. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.033161453902721405},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.01768536085728556},{"text":"Thanks.","start":12.639999,"end":13.139999,"sentiment":"positive","sentiment_score":0.41846707463264465},{"text":"Please stay on the line.","start":13.625,"end":15.165,"sentiment":"neutral","sentiment_score":0.22197697162628174},{"text":"Hello?","start":19.545,"end":20.045,"sentiment":"neutral","sentiment_score":0.09457293152809144}],"sentiment":"neutral","sentiment_score":0.08079383716297646,"num_words":24,"start":0.16,"end":20.045},{"sentences":[{"text":"Yes.","start":22.665,"end":22.985,"sentiment":"neutral","sentiment_score":0.0724296048283577},{"text":"Speaking.","start":22.985,"end":23.485,"sentiment":"neutral","sentiment_score":0.06760948151350021},{"text":"Yeah.","start":27.210001,"end":27.45,"sentiment":"neutral","sentiment_score":0.12843988835811615},{"text":"Good day, Veronica.","start":27.45,"end":28.59,"sentiment":"neutral","sentiment_score":0.3245020806789398},{"text":"How are you?","start":28.73,"end":29.470001,"sentiment":"neutral","sentiment_score":0.24752477804819742}],"sentiment":"neutral","sentiment_score":0.22050661676459843,"num_words":9,"start":22.665,"end":29.470001},{"sentences":[{"text":"Yep.","start":38.81,"end":39.21,"sentiment":"neutral","sentiment_score":0.1643710434436798},{"text":"Let's get it done.","start":39.21,"end":40.35,"sentiment":"neutral","sentiment_score":0.22192202880978584},{"text":"It's been been overdue.","start":40.65,"end":42.405,"sentiment":"neutral","sentiment_score":0.30334705859422684},{"text":"Mhmm.","start":43.504997,"end":44.004997,"sentiment":"neutral","sentiment_score":0.16235551238059998},{"text":"Yep.","start":45.824997,"end":46.324997,"sentiment":"neutral","sentiment_score":0.12801119685173035}],"sentiment":"neutral","sentiment_score":0.23234673657200552,"num_words":11,"start":38.81,"end":46.324997},{"sentences":[{"text":"Yeah.","start":51.184998,"end":51.684998,"sentiment":"neutral","sentiment_score":-0.011945035308599472},{"text":"Yeah.","start":59.44,"end":59.92,"sentiment":"neutral","sentiment_score":-0.023777352645993233},{"text":"I was just it was mostly yeah.","start":59.92,"end":63.44,"sentiment":"neutral","sentiment_score":-0.06351513947759356},{"text":"I just yeah.","start":63.44,"end":64.64,"sentiment":"neutral","sentiment_score":-0.06881052752335866},{"text":"We just had a very busy beginning of the year, and I sort of wanted to see how few things played out with regards to, you know, global markets and all that sort of stuff.","start":64.64,"end":73.685,"sentiment":"neutral","sentiment_score":-0.10416014556373869}],"sentiment":"neutral","sentiment_score":-0.09217797960848251,"num_words":47,"start":51.184998,"end":73.685},{"sentences":[{"text":"You know, just everything was just like, I was like, it's a bit hard to try and make big decisions right the minute when we're going through a massive just like the whole petrol thing just kicked off and all that sort of stuff.","start":73.685,"end":82.245,"sentiment":"neutral","sentiment_score":-0.2058687105097554},{"text":"We're like, not sure what I wanna do just yet.","start":82.245,"end":85.225,"sentiment":"neutral","sentiment_score":-0.1889254294335842},{"text":"Yep.","start":94.92,"end":95.159996,"sentiment":"neutral","sentiment_score":0.014315173029899595},{"text":"Yeah.","start":95.159996,"end":95.659996,"sentiment":"neutral","sentiment_score":0.03194187581539154},{"text":"That's fine.","start":95.88,"end":96.7,"sentiment":"neutral","sentiment_score":0.06477545481175183}],"sentiment":"neutral","sentiment_score":-0.18571844134993595,"num_words":58,"start":73.685,"end":96.7},{"sentences":[{"text":"Yeah.","start":98.6,"end":99.1,"sentiment":"neutral","sentiment_score":0.049570970237255096},{"text":"Yep.","start":108.145004,"end":108.645004,"sentiment":"neutral","sentiment_score":0.01395215094089508},{"text":"Shannon Dickinson.","start":108.705,"end":109.765,"sentiment":"neutral","sentiment_score":0.013491861056536436},{"text":"20 Martha Street, Beaconfield.","start":110.065,"end":112.485,"sentiment":"neutral","sentiment_score":0.019503883086144924},{"text":"05/28/1976, and O488542466.","start":113.025,"end":118.3,"sentiment":"neutral","sentiment_score":0.021774972478548687}],"sentiment":"neutral","sentiment_score":0.021258844824677162,"num_words":11,"start":98.6,"end":118.3},{"sentences":[{"text":"Yeah.","start":122.92,"end":123.240005,"sentiment":"neutral","sentiment_score":-0.005307603161782026},{"text":"I just had a big fiftieth birthday on the weekend, so big party.","start":123.240005,"end":127.020004,"sentiment":"positive","sentiment_score":0.5599784805224493},{"text":"No.","start":127.16,"end":127.4,"sentiment":"neutral","sentiment_score":-0.04104773700237274},{"text":"No.","start":127.4,"end":127.9,"sentiment":"neutral","sentiment_score":-0.07527295500040054},{"text":"Yeah.","start":130.655,"end":130.815,"sentiment":"neutral","sentiment_score":0.04074162244796753}],"sentiment":"positive","sentiment_score":0.42346079847501483,"num_words":17,"start":122.92,"end":130.815},{"sentences":[{"text":"Correct.","start":130.815,"end":131.315,"sentiment":"neutral","sentiment_score":0.03123275376856327},{"text":"Yeah.","start":131.85501,"end":132.255,"sentiment":"neutral","sentiment_score":0.04869595542550087},{"text":"Still cover recovering.","start":132.255,"end":133.63501,"sentiment":"neutral","sentiment_score":0.008879343668619791},{"text":"We sort of, yeah, put that that was sort of a bit of a reason I had yes.","start":133.85501,"end":138.895,"sentiment":"neutral","sentiment_score":-0.006639306330018573},{"text":"There's so much going on in the later, but it was like, okay.","start":138.895,"end":141.66,"sentiment":"neutral","sentiment_score":-0.009576474101497577}],"sentiment":"neutral","sentiment_score":-0.0038176371405522027,"num_words":36,"start":130.815,"end":141.66},{"sentences":[{"text":"I will 100% look at tax and lease afterwards.","start":142.46,"end":146.16,"sentiment":"neutral","sentiment_score":0.07683457185824712},{"text":"Yeah.","start":148.14,"end":148.64,"sentiment":"neutral","sentiment_score":0.01021486148238182},{"text":"Yeah.","start":157.22499,"end":157.72499,"sentiment":"neutral","sentiment_score":0.12491782009601592},{"text":"Yeah.","start":161.625,"end":162.125,"sentiment":"positive","sentiment_score":0.3775860071182251},{"text":"Thank you.","start":162.185,"end":162.92499,"sentiment":"positive","sentiment_score":0.47634899616241455}],"sentiment":"neutral","sentiment_score":0.15406627341040544,"num_words":14,"start":142.46,"end":162.92499},{"sentences":[{"text":"What was that?","start":170.56,"end":171.2,"sentiment":"neutral","sentiment_score":-0.0012975639353195827},{"text":"Sorry.","start":171.2,"end":171.7,"sentiment":"neutral","sentiment_score":-0.038462962955236435},{"text":"A what?","start":171.76,"end":172.42,"sentiment":"neutral","sentiment_score":-0.021759171038866043},{"text":"Oh, yes.","start":177.68,"end":178.07999,"sentiment":"neutral","sentiment_score":0.1458219513297081},{"text":"Thank you.","start":178.07999,"end":178.81999,"sentiment":"neutral","sentiment_score":0.28740936517715454}],"sentiment":"neutral","sentiment_score":0.0780588636174798,"num_words":10,"start":170.56,"end":178.81999},{"sentences":[{"text":"Mhmm.","start":178.95999,"end":179.45999,"sentiment":"neutral","sentiment_score":0.03709831461310387},{"text":"Yep.","start":187.50499,"end":188.00499,"sentiment":"neutral","sentiment_score":0.0025807470083236694},{"text":"I'm not working at the moment.","start":188.06499,"end":189.525,"sentiment":"neutral","sentiment_score":-0.2152747760216395},{"text":"Correct.","start":197.105,"end":197.605,"sentiment":"neutral","sentiment_score":0.11338672041893004},{"text":"Yes.","start":198.22499,"end":198.72499,"sentiment":"neutral","sentiment_score":0.14926284551620483}],"sentiment":"neutral","sentiment_score":-0.09893200285732746,"num_words":10,"start":178.95999,"end":198.72499},{"sentences":[{"text":"I'm sure I'm paying lots of taxes and stuff, like, income tax.","start":202.09,"end":206.81,"sentiment":"neutral","sentiment_score":0.0033018910326063633},{"text":"I don't know.","start":206.81,"end":207.53,"sentiment":"neutral","sentiment_score":-0.06011392672856649},{"text":"Not income tax.","start":207.53,"end":208.33,"sentiment":"neutral","sentiment_score":-0.07303441812594731},{"text":"Sorry.","start":208.33,"end":208.49,"sentiment":"neutral","sentiment_score":-0.04516234248876572},{"text":"What do you call it?","start":208.49,"end":209.55,"sentiment":"neutral","sentiment_score":-0.0473954975605011}],"sentiment":"neutral","sentiment_score":-0.026748423852647345,"num_words":24,"start":202.09,"end":209.55},{"sentences":[{"text":"Not sure if I'm paying insurances and stuff for things that I'm not doing yep.","start":210.09,"end":225.625,"sentiment":"neutral","sentiment_score":-0.10154185506204765},{"text":"Yep.","start":231.48001,"end":231.98001,"sentiment":"neutral","sentiment_score":0.2681865394115448},{"text":"Can I just yeah?","start":245.02501,"end":246.485,"sentiment":"neutral","sentiment_score":0.056770239025354385},{"text":"Can I just ask, like, when everything like, the and Big Rose and White didn't wanna change anything?","start":246.545,"end":252.30501,"sentiment":"neutral","sentiment_score":-0.012141636624518368},{"text":"The last time when they were sort of rang was because everything just had just totally plummeted.","start":252.30501,"end":257.13,"sentiment":"neutral","sentiment_score":-0.16030098125338554}],"sentiment":"neutral","sentiment_score":-0.0722095721993934,"num_words":55,"start":210.09,"end":257.13},{"sentences":[{"text":"And it was kind of like, well, to sell everything, that's had an absolute way.","start":257.75,"end":262.71,"sentiment":"neutral","sentiment_score":-0.08901800066232682},{"text":"Okay.","start":262.71,"end":263.11,"sentiment":"neutral","sentiment_score":-0.0211433507502079},{"text":"Yeah.","start":263.11,"end":263.27,"sentiment":"neutral","sentiment_score":-0.022483136504888535},{"text":"You might be buying other things at an absolute way.","start":263.27,"end":265.51,"sentiment":"neutral","sentiment_score":-0.044366246461868285},{"text":"But if everybody's dumping and buying, then, you know, if something's cheaper and something's more expensive, it's kind of like a do you wait for it to plateau a little bit and just ride it for five you know, just until it's sort of you know, which I think was the smartest thing to do if it was done because things are sort of, you know, regulating have regulated well, stabilized slightly.","start":265.51,"end":290.18,"sentiment":"neutral","sentiment_score":0.0126892427344703}],"sentiment":"neutral","sentiment_score":-0.009181146312392119,"num_words":99,"start":257.75,"end":290.18},{"sentences":[{"text":"I'm not one of those ones.","start":290.32,"end":291.84,"sentiment":"neutral","sentiment_score":-0.05987200637658437},{"text":"I've lived in lived around the block and back a bit enough to know that things do stabilize.","start":291.84,"end":297.695,"sentiment":"neutral","sentiment_score":-0.0004404173750016417},{"text":"And if you just dump and run like everybody else, then you just sort of, you know, start buying buying at a boom.","start":297.835,"end":303.615,"sentiment":"neutral","sentiment_score":-0.013617303546356119},{"text":"You know?","start":304.875,"end":305.275,"sentiment":"neutral","sentiment_score":0.017217337153851986},{"text":"And it's like, well, buying in a boom.","start":305.275,"end":306.955,"sentiment":"neutral","sentiment_score":0.04549282556399703}],"sentiment":"neutral","sentiment_score":-0.004947021995720111,"num_words":57,"start":290.32,"end":306.955},{"sentences":[{"text":"Like, why?","start":306.955,"end":307.695,"sentiment":"neutral","sentiment_score":0.02972476091235876},{"text":"Just yeah.","start":307.755,"end":309.035,"sentiment":"neutral","sentiment_score":0.06520935520529747},{"text":"Anyway, it's Or you might just wanna wait, like, wait a couple of weeks for it to just sort of let you know, how you have your massive correction.","start":309.035,"end":343.53,"sentiment":"neutral","sentiment_score":-0.1117217548448464},{"text":"Just wait for it to up.","start":343.59,"end":345.13,"sentiment":"neutral","sentiment_score":0.05159829929471016},{"text":"It's like but don't don't sell it straight away because you're just losing a lot more than you should probably need to.","start":346.15,"end":354.925,"sentiment":"negative","sentiment_score":-0.36144997111775656}],"sentiment":"neutral","sentiment_score":-0.1752847906079937,"num_words":61,"start":306.955,"end":354.925},{"sentences":[{"text":"And I don't really feel like I'm in that desperate position that I need to try and sort of, like, you know, need to react in that sort of space.","start":355.38498,"end":364.47998,"sentiment":"negative","sentiment_score":-0.5381538301706315},{"text":"So that was my main reasoning for just holding out, thinking, okay.","start":364.47998,"end":367.59998,"sentiment":"neutral","sentiment_score":-0.08587671257555485},{"text":"Well, Craig's changing, and I'm not.","start":367.59998,"end":370.15997,"sentiment":"neutral","sentiment_score":-0.06191405219336351},{"text":"So, like, at least, this is, like, hedging our bets.","start":370.15997,"end":372.58,"sentiment":"neutral","sentiment_score":-0.07559252306818962},{"text":"So can I just ask, like because I've sort of, like, just gone, look, just hold?","start":373.03998,"end":377.68,"sentiment":"neutral","sentiment_score":-0.07111083657946438}],"sentiment":"neutral","sentiment_score":-0.2627070052045825,"num_words":74,"start":355.38498,"end":377.68},{"sentences":[{"text":"Because I had all this high risk stuff anyway, and I'm like, oh, man.","start":377.68,"end":380.82498,"sentiment":"neutral","sentiment_score":-0.2663812190294266},{"text":"Well, you know, like, you sell that now.","start":380.82498,"end":383.38498,"sentiment":"neutral","sentiment_score":-0.25489119067788124},{"text":"It's gonna be, like, worth zero, like, to buy into, like, whatever.","start":383.38498,"end":386.925,"sentiment":"neutral","sentiment_score":-0.2659778545300166},{"text":"It's kinda you know what I'm saying?","start":387.38498,"end":389.405,"sentiment":"neutral","sentiment_score":-0.16174751094409398},{"text":"I hope you're hearing what I'm saying.","start":389.54498,"end":390.82498,"sentiment":"neutral","sentiment_score":-0.10362450884921211}],"sentiment":"neutral","sentiment_score":-0.22537093718225756,"num_words":48,"start":377.68,"end":390.82498},{"sentences":[{"text":"I'm not very good at explaining it.","start":390.82498,"end":392.12,"sentiment":"negative","sentiment_score":-0.45214922939028057},{"text":"I'm obviously, like, recovering from my fidget party, so I'm not really that bit comatose still too fair.","start":392.12,"end":398.34,"sentiment":"neutral","sentiment_score":-0.3024166040122509},{"text":"But the so, basically, yeah, where are we at the moment?","start":398.56,"end":403.44,"sentiment":"neutral","sentiment_score":-0.18878816339102658},{"text":"Where do we stand?","start":403.44,"end":404.5,"sentiment":"neutral","sentiment_score":-0.20325853303074837},{"text":"This is your high 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like because see, is that all, like, the advisory fees and all that sort of stuff?","start":459.16498,"end":463.32498,"sentiment":"neutral","sentiment_score":-0.012282301524752065},{"text":"Because that the reality was when I first bought into this thing, it was, like, a $3,000 one off fee, like a and then and then it was, like, a percentage of of any of the earnings that I made, and you only made 1% earnings, like, the equivalent to 1% earnings over the whole twelve months.","start":463.32498,"end":482.46002,"sentiment":"neutral","sentiment_score":-0.06867492391744204},{"text":"So I was like, Jesus.","start":482.46002,"end":483.84003,"sentiment":"neutral","sentiment_score":-0.2798968434333801},{"text":"And now you wanna hit me up with another $3,000 fee that was also or another another fee?","start":483.90002,"end":489.915,"sentiment":"negative","sentiment_score":-0.3681546399990718}],"sentiment":"neutral","sentiment_score":-0.12144748972728849,"num_words":100,"start":455.5,"end":489.915},{"sentences":[{"text":"And I was like, okay.","start":489.915,"end":491.355,"sentiment":"neutral","sentiment_score":-0.2819898098707199},{"text":"I don't know how I feel about this because you're not performing.","start":491.355,"end":494.815,"sentiment":"negative","sentiment_score":-0.460777426759402},{"text":"You're now making me pay for the fact that you're not doing a very good job.","start":494.95502,"end":498.33502,"sentiment":"negative","sentiment_score":-0.7284708432853222},{"text":"And so that's why I haven't paid for it, to be frank.","start":499.53,"end":502.33,"sentiment":"negative","sentiment_score":-0.3937969319522381},{"text":"I'm, like, going, I don't know if I should.","start":502.33,"end":504.11,"sentiment":"negative","sentiment_score":-0.4223286542627547}],"sentiment":"negative","sentiment_score":-0.5022469024967264,"num_words":54,"start":489.915,"end":504.11},{"sentences":[{"text":"So I really wanna before I so before sorry.","start":504.88998,"end":507.85,"sentiment":"neutral","sentiment_score":-0.3175467683209313},{"text":"So before I actually go and agree to signing up with you guys for another twelve months and doing all those things and paying extra fees, I wanna see what I'm paying for because, realistically, the his like, the info the what I have paid for, I'm I'm I'm I'm not getting what I I could be going I should go to something like Host Plus or Australia Zoo or whatever, and I'd probably be in front.","start":507.85,"end":535.85004,"sentiment":"neutral","sentiment_score":-0.16531027834136763},{"text":"Mhmm.","start":549.435,"end":549.915,"sentiment":"neutral","sentiment_score":0.1479482650756836},{"text":"Mhmm.","start":549.915,"end":550.415,"sentiment":"neutral","sentiment_score":0.12645936012268066},{"text":"Yeah.","start":561.01996,"end":561.33997,"sentiment":"neutral","sentiment_score":0.05190568044781685}],"sentiment":"neutral","sentiment_score":-0.17146628136547765,"num_words":89,"start":504.88998,"end":561.33997},{"sentences":[{"text":"And if I'm only making 1% over the year, then, of course, you're not making then it's sort of like, what am I?","start":561.33997,"end":569.27997,"sentiment":"neutral","sentiment_score":0.013499282867364262},{"text":"Do you?","start":569.33997,"end":570.105,"sentiment":"neutral","sentiment_score":-0.006851320154964923},{"text":"Yeah.","start":570.425,"end":570.925,"sentiment":"neutral","sentiment_score":0.19528953731060028},{"text":"It's concerning.","start":571.305,"end":572.365,"sentiment":"neutral","sentiment_score":0.2439427673816681},{"text":"Especially when I didn't know that Alan Merceditch, my previous adviser, had left.","start":577.225,"end":581.065,"sentiment":"neutral","sentiment_score":0.23069876833603933}],"sentiment":"neutral","sentiment_score":0.09704975429468038,"num_words":41,"start":561.33997,"end":581.065},{"sentences":[{"text":"So I was like, oh, that's interesting.","start":581.065,"end":582.305,"sentiment":"neutral","sentiment_score":0.12992178861583983},{"text":"I didn't know he'd gone out on his own.","start":582.305,"end":584.25,"sentiment":"neutral","sentiment_score":0.04816607634226481},{"text":"I just was like, okay.","start":584.25,"end":585.69,"sentiment":"neutral","sentiment_score":0.08095174580812455},{"text":"This is yeah.","start":585.69,"end":587.55,"sentiment":"neutral","sentiment_score":0.07358538111050923},{"text":"And, yes, I know that I've been difficult to get a hold of.","start":589.45,"end":592.25,"sentiment":"neutral","sentiment_score":-0.1088998972509916}],"sentiment":"neutral","sentiment_score":0.01493955177028437,"num_words":37,"start":581.065,"end":592.25},{"sentences":[{"text":"Sorry.","start":592.25,"end":592.57,"sentiment":"neutral","sentiment_score":-0.11630363762378693},{"text":"I know that I've been difficult to get a hold of, but I've been difficult to get a hold of because I'm like, I'm not yeah.","start":592.57,"end":599.185,"sentiment":"neutral","sentiment_score":-0.13424034044146538},{"text":"I'm like, those are things that could have come I could have got something sent in an email.","start":599.185,"end":602.46497,"sentiment":"neutral","sentiment_score":-0.029205821454524994},{"text":"Like, just a prompt or anything.","start":602.46497,"end":604.06494,"sentiment":"neutral","sentiment_score":-0.019575058793028195},{"text":"I just wasn't getting that.","start":604.06494,"end":604.865,"sentiment":"neutral","sentiment_score":-0.1178989440202713}],"sentiment":"neutral","sentiment_score":-0.08641432764540825,"num_words":56,"start":592.25,"end":604.865},{"sentences":[{"text":"So I'm like, man, I haven't been easy to get a hold of too because I haven't wanted to commit because I haven't been impressed.","start":604.865,"end":610.805,"sentiment":"neutral","sentiment_score":-0.10221170119941235},{"text":"Yep.","start":626.875,"end":627.375,"sentiment":"neutral","sentiment_score":-0.02548417821526527},{"text":"So you're Alan's replacement.","start":634.475,"end":635.855,"sentiment":"neutral","sentiment_score":0.0015863114967942238},{"text":"Is that right?","start":636.075,"end":637.055,"sentiment":"neutral","sentiment_score":0.11297713468472163},{"text":"Are you?","start":637.82996,"end":638.57,"sentiment":"neutral","sentiment_score":0.0500765684992075}],"sentiment":"neutral","sentiment_score":-0.061009912033166205,"num_words":35,"start":604.865,"end":638.57},{"sentences":[{"text":"Mhmm.","start":665.07,"end":665.57,"sentiment":"neutral","sentiment_score":0.1492532044649124},{"text":"Right.","start":674.51,"end":674.83,"sentiment":"neutral","sentiment_score":0.029986493289470673},{"text":"Yep.","start":674.83,"end":675.33,"sentiment":"neutral","sentiment_score":-0.16926907002925873},{"text":"Yep.","start":691.025,"end":691.525,"sentiment":"neutral","sentiment_score":0.19572505354881287},{"text":"And can I ask yeah?","start":729.71,"end":731.875,"sentiment":"neutral","sentiment_score":0.11644730716943741}],"sentiment":"neutral","sentiment_score":0.08754802412456936,"num_words":9,"start":665.07,"end":731.875},{"sentences":[{"text":"So how much am I paying at the moment?","start":732.015,"end":733.775,"sentiment":"neutral","sentiment_score":-0.03580775474094682},{"text":"Like, 1% of the earnings or 1% of my whole balance?","start":733.775,"end":738.015,"sentiment":"neutral","sentiment_score":-0.025715270164338024},{"text":"Because, like, if my balance is just being chomped away at and you're just getting a 1% fee of my balance, and you really got absolutely no desire or no real motivation to to grow it because I haven't made anything.","start":738.015,"end":762.41504,"sentiment":"negative","sentiment_score":-0.36081903282462097},{"text":"There's nothing because I have made nothing.","start":762.635,"end":764.97504,"sentiment":"negative","sentiment_score":-0.49415186047554016},{"text":"And that's why I was like like, that is hectic when it's been a really big year and you've only made 1%.","start":765.275,"end":773.67505,"sentiment":"negative","sentiment_score":-0.38553765551610425}],"sentiment":"neutral","sentiment_score":-0.3037734394996531,"num_words":90,"start":732.015,"end":773.67505},{"sentences":[{"text":"Like, that is scary.","start":773.67505,"end":775.11505,"sentiment":"negative","sentiment_score":-0.49973495304584503},{"text":"Like, why why that was what I understood Alan was gonna be ringing me.","start":775.11505,"end":779.09,"sentiment":"neutral","sentiment_score":-0.21209011439766204},{"text":"If there was any, you know, anything of concern, if it wasn't performing, if it wasn't doing well, then I would be the first to know.","start":779.09,"end":787.81,"sentiment":"neutral","sentiment_score":-0.12015391578181432},{"text":"And I haven't received a I haven't received anything from him.","start":787.81,"end":791.26495,"sentiment":"neutral","sentiment_score":-0.09381705556403507},{"text":"Just that I only get those I would only get those those the standard text message or phone call from I think it was Tara or just the various people who would work.","start":791.26495,"end":805.25,"sentiment":"neutral","sentiment_score":-0.06592303198395354}],"sentiment":"neutral","sentiment_score":-0.1284051237585531,"num_words":88,"start":773.67505,"end":805.25},{"sentences":[{"text":"Not just this is not just Alan.","start":805.79,"end":807.55,"sentiment":"neutral","sentiment_score":-0.07265161297151021},{"text":"It was just, like, from the various administrators who'd ring up to try and book me in for, like, my yearly review.","start":807.55,"end":815.25,"sentiment":"neutral","sentiment_score":-0.08174433965574611},{"text":"But there was no contact when there was significant market change saying, hey.","start":816.11,"end":820.565,"sentiment":"neutral","sentiment_score":-0.1307142308125129},{"text":"I think we need to do this.","start":820.565,"end":821.865,"sentiment":"neutral","sentiment_score":-0.18081374892166682},{"text":"Hey.","start":822.005,"end":822.245,"sentiment":"neutral","sentiment_score":0.05687650665640831}],"sentiment":"neutral","sentiment_score":-0.10430082999169826,"num_words":50,"start":805.79,"end":822.245},{"sentences":[{"text":"You're high performing.","start":822.245,"end":823.305,"sentiment":"neutral","sentiment_score":0.13692681988080344},{"text":"You're all in.","start":823.52496,"end":824.245,"sentiment":"neutral","sentiment_score":0.10813464224338531},{"text":"You're in high high yeah.","start":824.245,"end":827.925,"sentiment":"neutral","sentiment_score":0.03292638473212719},{"text":"What are they called?","start":827.925,"end":828.805,"sentiment":"neutral","sentiment_score":0.002476945985108614},{"text":"High high yeah.","start":828.805,"end":830.75,"sentiment":"neutral","sentiment_score":0.01352012592057387}],"sentiment":"neutral","sentiment_score":0.052793581763075456,"num_words":18,"start":822.245,"end":830.75},{"sentences":[{"text":"High growth investments, and they're really not doing much for you.","start":830.75,"end":834.53,"sentiment":"neutral","sentiment_score":-0.12535783750089732},{"text":"Maybe, you know, that is good.","start":834.59,"end":836.27,"sentiment":"neutral","sentiment_score":0.04952733094493548},{"text":"Maybe once a quarter, you might get a touch base if you're not if if you haven't made a certain amount.","start":836.27,"end":844.125,"sentiment":"neutral","sentiment_score":-0.08240773298201107},{"text":"But if you haven't if you haven't alright.","start":844.505,"end":847.065,"sentiment":"neutral","sentiment_score":-0.14274367783218622},{"text":"If your assets haven't grown by a certain percent by more than 1% a quarter.","start":847.065,"end":855.88,"sentiment":"neutral","sentiment_score":-0.1608809659878413}],"sentiment":"neutral","sentiment_score":-0.1043852218350426,"num_words":61,"start":830.75,"end":855.88},{"sentences":[{"text":"You would expect a phone a phone call saying, hey.","start":855.88,"end":857.80005,"sentiment":"neutral","sentiment_score":-0.0783208642154932},{"text":"Look.","start":857.80005,"end":857.96,"sentiment":"neutral","sentiment_score":-0.039740584790706635},{"text":"You know, we've been sitting on 1%, like, average growth for the last six months.","start":857.96,"end":863.48004,"sentiment":"negative","sentiment_score":-0.3582221021254857},{"text":"That's not good.","start":863.48004,"end":864.52,"sentiment":"negative","sentiment_score":-0.8408656318982443},{"text":"That's that's that's nowhere near a forecasted what we should at least be getting around 8% over twelve months.","start":864.52,"end":871.505,"sentiment":"negative","sentiment_score":-0.6805732532551414}],"sentiment":"negative","sentiment_score":-0.4510368638827155,"num_words":48,"start":855.88,"end":871.505},{"sentences":[{"text":"That's not even gonna come close to that over the next six months.","start":871.88495,"end":874.605,"sentiment":"negative","sentiment_score":-0.6062626976233262},{"text":"We're not gonna be able to, like, you know, grow it to to come close to half of where you should be.","start":874.605,"end":880.70496,"sentiment":"negative","sentiment_score":-0.614025202664462},{"text":"That's pretty fucked.","start":881.245,"end":882.12,"sentiment":"negative","sentiment_score":-0.578817347685496},{"text":"I'm so sorry, Victor.","start":882.2,"end":883.08,"sentiment":"neutral","sentiment_score":-0.23608634248375893},{"text":"I don't really swear.","start":883.08,"end":884.04,"sentiment":"neutral","sentiment_score":-0.16796606965363026}],"sentiment":"negative","sentiment_score":-0.5378832873766837,"num_words":46,"start":871.88495,"end":884.04},{"sentences":[{"text":"I'm just like, this is where I've stuck my head in the sand going, what the hell is going on with my super?","start":884.04,"end":888.68,"sentiment":"neutral","sentiment_score":-0.2808973199647406},{"text":"I can't look at it.","start":888.68,"end":889.56,"sentiment":"negative","sentiment_score":-0.4280236005783081},{"text":"It's making me feel ill.","start":889.56,"end":890.94,"sentiment":"negative","sentiment_score":-0.7853936910629272},{"text":"And I haven't had and I haven't had the chance to actually investigate where I wanna roll out to.","start":891.56,"end":898.08496,"sentiment":"negative","sentiment_score":-0.3585414580608669},{"text":"And that's the only reason why I haven't actually been in contact because I've just I absolutely been gonna hell no.","start":898.08496,"end":902.245,"sentiment":"negative","sentiment_score":-0.4343770125082561}],"sentiment":"negative","sentiment_score":-0.3898894490852748,"num_words":73,"start":884.04,"end":902.245},{"sentences":[{"text":"I'm not signing back up with you guys.","start":902.245,"end":904.105,"sentiment":"negative","sentiment_score":-0.4712403938174248},{"text":"That it's been a hell no.","start":904.725,"end":906.265,"sentiment":"negative","sentiment_score":-0.4707295745611191},{"text":"Because I'm 50 now, and I'm like, holy shit.","start":911.20996,"end":914.08997,"sentiment":"negative","sentiment_score":-0.3567270470990075},{"text":"I've got probably close to less than what I've rolled into you guys.","start":914.08997,"end":918.02997,"sentiment":"negative","sentiment_score":-0.4989441197652083},{"text":"I'd say if you don't mind, because I'm like yeah.","start":920.17,"end":925.365,"sentiment":"neutral","sentiment_score":-0.17795779109001159}],"sentiment":"negative","sentiment_score":-0.39284120629663055,"num_words":46,"start":902.245,"end":925.365},{"sentences":[{"text":"I've just looked away just feeling relatively, like, ill with the whole thing and just going I know.","start":925.365,"end":936.2,"sentiment":"negative","sentiment_score":-0.4874364626076486},{"text":"I know.","start":936.2,"end":937.0,"sentiment":"negative","sentiment_score":-0.3646184056997299},{"text":"I know.","start":937.0,"end":937.89996,"sentiment":"negative","sentiment_score":-0.4311356246471405},{"text":"Of course you don't.","start":938.76,"end":939.98,"sentiment":"neutral","sentiment_score":-0.2536267712712288},{"text":"Yeah.","start":970.14,"end":970.64,"sentiment":"neutral","sentiment_score":0.060917552560567856}],"sentiment":"negative","sentiment_score":-0.41922051556132456,"num_words":27,"start":925.365,"end":970.64},{"sentences":[{"text":"Yeah.","start":1027.0701,"end":1027.31,"sentiment":"neutral","sentiment_score":-0.04438012093305588},{"text":"Because I'm definitely disappointed.","start":1027.31,"end":1028.6901,"sentiment":"neutral","sentiment_score":-0.32844624295830727},{"text":"Yeah.","start":1029.39,"end":1029.89,"sentiment":"neutral","sentiment_score":-0.06280465424060822},{"text":"Thank you.","start":1029.9501,"end":1030.51,"sentiment":"neutral","sentiment_score":0.06308359652757645},{"text":"I appreciate all that.","start":1030.51,"end":1031.39,"sentiment":"neutral","sentiment_score":0.02978722844272852}],"sentiment":"neutral","sentiment_score":-0.09797113668173552,"num_words":12,"start":1027.0701,"end":1031.39},{"sentences":[{"text":"But it's just like it seems like almost extra additional fees for, like, what?","start":1031.39,"end":1036.51,"sentiment":"neutral","sentiment_score":-0.31236574798822403},{"text":"Because I had chance that all my money, like, just, like, rolled it over into a where.","start":1036.51,"end":1042.015,"sentiment":"negative","sentiment_score":-0.3540627237628488},{"text":"You know?","start":1042.015,"end":1042.255,"sentiment":"neutral","sentiment_score":-0.18577322363853455},{"text":"And then someone just said, oh, where?","start":1042.255,"end":1044.175,"sentiment":"neutral","sentiment_score":-0.18915114871093205},{"text":"Where?","start":1044.175,"end":1044.3351,"sentiment":"neutral","sentiment_score":-0.2483783662319183}],"sentiment":"neutral","sentiment_score":-0.30088218610461165,"num_words":41,"start":1031.39,"end":1044.3351},{"sentences":[{"text":"Where?","start":1044.3351,"end":1044.495,"sentiment":"neutral","sentiment_score":-0.2521153688430786},{"text":"Where?","start":1044.495,"end":1044.5751,"sentiment":"neutral","sentiment_score":-0.229181706905365},{"text":"And so then I thought, oh, maybe I need to go to the Viber.","start":1044.5751,"end":1047.4551,"sentiment":"neutral","sentiment_score":-0.18682864255138806},{"text":"And I realized now, if I'd stayed with a where, I would have had no fees, nothing.","start":1047.4551,"end":1051.635,"sentiment":"neutral","sentiment_score":-0.21593044742065318},{"text":"Would have all done it personally myself, and I'm probably and I would be waiting for the rest.","start":1051.88,"end":1056.2201,"sentiment":"neutral","sentiment_score":-0.0940499094625314}],"sentiment":"neutral","sentiment_score":-0.16589439309695186,"num_words":51,"start":1044.3351,"end":1056.2201},{"sentences":[{"text":"It's that's where I'm at.","start":1056.68,"end":1058.04,"sentiment":"neutral","sentiment_score":-0.0824368990957737},{"text":"I'm just like, oh, holy shit.","start":1058.04,"end":1059.56,"sentiment":"neutral","sentiment_score":-0.23596569647391638},{"text":"I just don't tell anyone to do it because all this stuff will offer me money.","start":1059.56,"end":1062.8601,"sentiment":"negative","sentiment_score":-0.4196789190173149},{"text":"It's, like, so annoying.","start":1063.0801,"end":1064.3,"sentiment":"negative","sentiment_score":-0.3482358977198601},{"text":"It is so annoying.","start":1064.4401,"end":1065.74,"sentiment":"negative","sentiment_score":-0.4794905334711075}],"sentiment":"negative","sentiment_score":-0.33867848866752215,"num_words":35,"start":1056.68,"end":1065.74},{"sentences":[{"text":"People care about growing all their funds and having big portfolios so they get all their big percentages, but it gets to a point where it's the only person who really cares about their own money and keeps a real there's a real eye on it is the person who is who is who it belongs to me.","start":1066.045,"end":1084.64,"sentiment":"neutral","sentiment_score":-0.2623456351715943},{"text":"And so this is where I'm starting to, like, just go, shit.","start":1084.64,"end":1086.72,"sentiment":"neutral","sentiment_score":-0.29376909881830215},{"text":"I just need to really, like, look into it myself and learn about it myself so I can actually do it.","start":1086.72,"end":1091.44,"sentiment":"neutral","sentiment_score":-0.12602088671355022},{"text":"Because I would love to trust you, Victoria, but I've just trusted your company for so long and found that it was, like, a 1% growth last year.","start":1091.44,"end":1099.395,"sentiment":"neutral","sentiment_score":0.1529323948281152},{"text":"It's like, holy shit.","start":1100.015,"end":1101.375,"sentiment":"neutral","sentiment_score":-0.1840505711734295}],"sentiment":"neutral","sentiment_score":-0.14505536484766782,"num_words":123,"start":1066.045,"end":1101.375},{"sentences":[{"text":"You know?","start":1101.375,"end":1102.015,"sentiment":"neutral","sentiment_score":-0.07645285874605179},{"text":"And I know that you're listening to me going far out.","start":1102.015,"end":1104.175,"sentiment":"neutral","sentiment_score":-0.02585060555826534},{"text":"If I were you, I'd be feeling the same.","start":1104.175,"end":1106.045,"sentiment":"neutral","sentiment_score":-0.08533597571982278},{"text":"Okay.","start":1119.05,"end":1119.53,"sentiment":"neutral","sentiment_score":-0.004670053720474243},{"text":"Oh, that's interesting.","start":1119.53,"end":1120.51,"sentiment":"neutral","sentiment_score":0.01921663371225198}],"sentiment":"neutral","sentiment_score":-0.04431947356519791,"num_words":26,"start":1101.375,"end":1120.51},{"sentences":[{"text":"Okay.","start":1145.0,"end":1145.5,"sentiment":"neutral","sentiment_score":0.0634293332695961},{"text":"Yeah.","start":1146.6799,"end":1146.9199,"sentiment":"neutral","sentiment_score":0.07939822971820831},{"text":"Please.","start":1146.9199,"end":1147.4199,"sentiment":"neutral","sentiment_score":0.08092112839221954},{"text":"I'd like to hear yeah.","start":1148.12,"end":1149.74,"sentiment":"neutral","sentiment_score":0.052451005578041075},{"text":"You probably like oh my god.","start":1149.7999,"end":1151.32,"sentiment":"neutral","sentiment_score":-0.007705502832929294}],"sentiment":"neutral","sentiment_score":0.03141219301947525,"num_words":14,"start":1145.0,"end":1151.32},{"sentences":[{"text":"They're telling you about helping me some of my quizzes she's done.","start":1151.32,"end":1154.14,"sentiment":"neutral","sentiment_score":0.019470013576210476},{"text":"Yeah.","start":1173.55,"end":1173.95,"sentiment":"neutral","sentiment_score":0.0006346032023429871},{"text":"But it just reflects on your company, isn't it?","start":1173.95,"end":1176.35,"sentiment":"neutral","sentiment_score":-0.09396442439821032},{"text":"And it's like it doesn't make you feel good when you're like, hang on.","start":1176.35,"end":1178.51,"sentiment":"neutral","sentiment_score":-0.304396245096411},{"text":"I work for these guys, and they don't have a great reputation anymore.","start":1178.51,"end":1183.17,"sentiment":"negative","sentiment_score":-0.3523730979515956}],"sentiment":"neutral","sentiment_score":-0.19293475016709227,"num_words":49,"start":1151.32,"end":1183.17},{"sentences":[{"text":"That was so so so convincingly, and then it's kind of like, oh, yeah.","start":1183.3099,"end":1191.385,"sentiment":"neutral","sentiment_score":-0.042246115543613474},{"text":"Do you wanna know what?","start":1191.9249,"end":1193.0449,"sentiment":"neutral","sentiment_score":-0.04897705465555191},{"text":"Please.","start":1193.0449,"end":1193.5449,"sentiment":"neutral","sentiment_score":-0.003768548369407654},{"text":"Yeah.","start":1195.0449,"end":1195.5449,"sentiment":"neutral","sentiment_score":0.056675415486097336},{"text":"If it yeah.","start":1197.2849,"end":1198.485,"sentiment":"neutral","sentiment_score":0.04716765508055687}],"sentiment":"neutral","sentiment_score":-0.02674671077208283,"num_words":24,"start":1183.3099,"end":1198.485},{"sentences":[{"text":"Please if you can let me know where I'm standing right now.","start":1198.485,"end":1202.1649,"sentiment":"neutral","sentiment_score":0.05067826466013988},{"text":"You're you're looking at reviewing it and then discussing that with me.","start":1202.1649,"end":1209.34,"sentiment":"neutral","sentiment_score":0.05382778961211443},{"text":"Is that correct?","start":1209.34,"end":1210.24,"sentiment":"neutral","sentiment_score":0.03559829294681549},{"text":"Or have you done that already and this is yeah.","start":1210.3799,"end":1213.6599,"sentiment":"neutral","sentiment_score":-0.012720861472189426},{"text":"No.","start":1213.6599,"end":1213.82,"sentiment":"neutral","sentiment_score":-0.1935114562511444}],"sentiment":"neutral","sentiment_score":0.027372301556169987,"num_words":38,"start":1198.485,"end":1213.82},{"sentences":[{"text":"That's okay.","start":1213.82,"end":1214.5599,"sentiment":"neutral","sentiment_score":-0.07705632597208023},{"text":"Mhmm.","start":1229.885,"end":1230.385,"sentiment":"neutral","sentiment_score":-0.003684187773615122},{"text":"Okay.","start":1231.005,"end":1231.405,"sentiment":"neutral","sentiment_score":0.05156511813402176},{"text":"Got you.","start":1231.405,"end":1232.225,"sentiment":"neutral","sentiment_score":0.04009227827191353},{"text":"Which is what percent of what?","start":1236.03,"end":1238.2899,"sentiment":"neutral","sentiment_score":0.013825037516653538}],"sentiment":"neutral","sentiment_score":0.004741921671666205,"num_words":12,"start":1213.82,"end":1238.2899},{"sentences":[{"text":"Well, I'd like it to be 1.1% of whatever you grow.","start":1243.15,"end":1246.75,"sentiment":"neutral","sentiment_score":0.103086764162237},{"text":"Like, I'd I'd be I'd be prepared to I I think it should be what you grow.","start":1246.75,"end":1251.145,"sentiment":"neutral","sentiment_score":0.14749742379439446},{"text":"I don't think you're I don't think you should be privy to 1.1% of my super balance when you're not actually growing it.","start":1251.765,"end":1258.1051,"sentiment":"neutral","sentiment_score":-0.25993969259054767},{"text":"That's where I am.","start":1258.165,"end":1259.385,"sentiment":"neutral","sentiment_score":0.005972145590931177},{"text":"So I will refrain from that until you've returned to me with an absolute outline of why I'm so not an outline, but, like, a recommendation.","start":1260.13,"end":1272.755,"sentiment":"neutral","sentiment_score":0.018470730274342574}],"sentiment":"neutral","sentiment_score":-0.022630552466625323,"num_words":81,"start":1243.15,"end":1272.755},{"sentences":[{"text":"Like, a a a like, I haven't seen a report or anything of I haven't seen anything.","start":1273.135,"end":1278.595,"sentiment":"neutral","sentiment_score":-0.07465459861080437},{"text":"You know?","start":1279.855,"end":1280.335,"sentiment":"neutral","sentiment_score":-0.031235815957188606},{"text":"No paperwork.","start":1280.335,"end":1280.975,"sentiment":"neutral","sentiment_score":-0.158672496676445},{"text":"No.","start":1280.975,"end":1281.295,"sentiment":"neutral","sentiment_score":-0.16785183548927307},{"text":"Like, okay.","start":1281.295,"end":1281.855,"sentiment":"neutral","sentiment_score":-0.09115052595734596}],"sentiment":"neutral","sentiment_score":-0.08329573704395443,"num_words":24,"start":1273.135,"end":1281.855},{"sentences":[{"text":"Here.","start":1281.855,"end":1282.335,"sentiment":"neutral","sentiment_score":-0.024117616936564445},{"text":"This is this is I haven't seen.","start":1282.335,"end":1284.515,"sentiment":"neutral","sentiment_score":0.004346831302557673},{"text":"If you could please send me through a a snapshot, like, of of my of the, like, the performance of the of it for the last year, that'd be fabulous.","start":1285.2,"end":1295.94,"sentiment":"neutral","sentiment_score":0.13360647093504668},{"text":"Because I've seen nothing.","start":1296.24,"end":1297.38,"sentiment":"neutral","sentiment_score":0.08407961204648018},{"text":"Have you wonderful.","start":1298.625,"end":1299.765,"sentiment":"positive","sentiment_score":0.43453750511010486}],"sentiment":"neutral","sentiment_score":0.1256541176388661,"num_words":45,"start":1281.855,"end":1299.765},{"sentences":[{"text":"Grace.","start":1300.305,"end":1300.805,"sentiment":"neutral","sentiment_score":0.1257486641407013},{"text":"Because, like, it's really hard for me to comment on something that I haven't seen since.","start":1301.265,"end":1305.025,"sentiment":"neutral","sentiment_score":-0.18921140395104885},{"text":"You know?","start":1305.025,"end":1305.685,"sentiment":"neutral","sentiment_score":-0.11551922559738159},{"text":"And nobody was sending it through to me previously because they wanted me to sign up and have the conversation first.","start":1308.0651,"end":1312.465,"sentiment":"neutral","sentiment_score":-0.14172617558922088},{"text":"I'm like, well, I couldn't do that until someone's actually showing me what I've done for the last had for the last year.","start":1312.465,"end":1318.3,"sentiment":"neutral","sentiment_score":-0.13505780437718268}],"sentiment":"neutral","sentiment_score":-0.14627383235428068,"num_words":63,"start":1300.305,"end":1318.3},{"sentences":[{"text":"Thank you.","start":1323.16,"end":1323.9,"sentiment":"neutral","sentiment_score":0.1917738914489746},{"text":"Yeah.","start":1329.355,"end":1329.515,"sentiment":"neutral","sentiment_score":-0.1040848344564438},{"text":"I was just like, that's not quite right, is it?","start":1329.515,"end":1331.6749,"sentiment":"neutral","sentiment_score":-0.08558862283825874},{"text":"Like, I've I've I've always liked from other funds, like, you know, the big ones, like, before I rolled over and that, it was always like, they send you out your your six month year or your quarterly review or yearly half year by half yearly.","start":1331.6749,"end":1343.61,"sentiment":"neutral","sentiment_score":0.07330791788357917},{"text":"And and you get these things, all the graphs, and they're like, this and that.","start":1343.61,"end":1347.69,"sentiment":"neutral","sentiment_score":0.015139493998140097}],"sentiment":"neutral","sentiment_score":0.04084909936048191,"num_words":74,"start":1323.16,"end":1347.69},{"sentences":[{"text":"It tells you, like, your your percentage of what direction it's been in.","start":1347.69,"end":1350.65,"sentiment":"neutral","sentiment_score":0.052842877805233},{"text":"And I'm like, I haven't seen any, yeah, I haven't seen anything of that.","start":1350.65,"end":1354.495,"sentiment":"neutral","sentiment_score":-0.0797355787529211},{"text":"Thank you.","start":1357.595,"end":1358.415,"sentiment":"positive","sentiment_score":0.46421676874160767},{"text":"Yep.","start":1365.035,"end":1365.535,"sentiment":"neutral","sentiment_score":0.18057964742183685},{"text":"I'd always said yeah.","start":1386.8151,"end":1388.5751,"sentiment":"neutral","sentiment_score":0.09254888072609901}],"sentiment":"neutral","sentiment_score":0.030878471080487704,"num_words":34,"start":1347.69,"end":1388.5751},{"sentences":[{"text":"No.","start":1388.5751,"end":1388.8151,"sentiment":"neutral","sentiment_score":-0.01721864566206932},{"text":"I'd always said I would like my catch up whenever it's I'm happy for the yearly catch up if it's if it's tracking upward.","start":1388.8151,"end":1400.8501,"sentiment":"neutral","sentiment_score":0.0958670851153632},{"text":"That is it it's not progressing at what we consider to be the bare minimum, which I think 1% is not even the bare minimum, to be fair.","start":1401.31,"end":1412.375,"sentiment":"neutral","sentiment_score":-0.0709829084309084},{"text":"Right?","start":1412.515,"end":1412.755,"sentiment":"neutral","sentiment_score":0.03112606890499592},{"text":"And so that's why and that's what I shared is, like, I would like to be contacted whenever it's not progressing in the way it should be so that we can review that and get it on on track.","start":1412.755,"end":1425.41,"sentiment":"neutral","sentiment_score":0.13261863178549668}],"sentiment":"neutral","sentiment_score":0.059132501823447085,"num_words":93,"start":1388.5751,"end":1425.41},{"sentences":[{"text":"If that's if it's tracking and it's doing all the right things for a whole year, then you don't need to speak to me.","start":1425.7101,"end":1431.31,"sentiment":"neutral","sentiment_score":0.14235843624919653},{"text":"But if it's not, then I expect to call.","start":1431.31,"end":1433.49,"sentiment":"neutral","sentiment_score":-0.148362940384282},{"text":"Let's say, hey.","start":1433.63,"end":1434.525,"sentiment":"neutral","sentiment_score":-0.08808010816574097},{"text":"Maybe we should just, like, review this because it's not on it's not on target.","start":1434.685,"end":1438.145,"sentiment":"neutral","sentiment_score":-0.2027464061975479},{"text":"That was what I'd understood and that was happening, and then it didn't happen.","start":1439.165,"end":1443.405,"sentiment":"neutral","sentiment_score":-0.23419663682579994}],"sentiment":"neutral","sentiment_score":-0.06927466656153018,"num_words":65,"start":1425.7101,"end":1443.405},{"sentences":[{"text":"I was like, oh my god.","start":1443.405,"end":1444.365,"sentiment":"neutral","sentiment_score":-0.1890131967763106},{"text":"1% over the whole year.","start":1444.365,"end":1446.145,"sentiment":"neutral","sentiment_score":-0.1571648597717285},{"text":"Why am I only just hearing about this now?","start":1446.925,"end":1449.185,"sentiment":"neutral","sentiment_score":-0.22472191684775883},{"text":"It's not what I ever understood it to be.","start":1449.64,"end":1451.96,"sentiment":"neutral","sentiment_score":-0.20252185232109493},{"text":"I don't wanna commit to anything else until I've looked at other options.","start":1451.96,"end":1456.86,"sentiment":"neutral","sentiment_score":-0.15846495559582344}],"sentiment":"neutral","sentiment_score":-0.1863129005900451,"num_words":42,"start":1443.405,"end":1456.86},{"sentences":[{"text":"Well, no.","start":1466.215,"end":1466.695,"sentiment":"neutral","sentiment_score":-0.16604574024677277},{"text":"I don't I I want the best option.","start":1466.695,"end":1469.195,"sentiment":"neutral","sentiment_score":-0.2506216634064913},{"text":"I want the best option.","start":1469.975,"end":1471.335,"sentiment":"neutral","sentiment_score":-0.015219502896070481},{"text":"I shouldn't be telling you who to look at.","start":1471.335,"end":1473.495,"sentiment":"neutral","sentiment_score":-0.15524664024511972},{"text":"You should be looking at them all and telling me.","start":1473.495,"end":1476.075,"sentiment":"neutral","sentiment_score":-0.08759852945804596}],"sentiment":"neutral","sentiment_score":-0.137834334088599,"num_words":34,"start":1466.215,"end":1476.075},{"sentences":[{"text":"Especially if you're requesting 1% of my whole balance.","start":1478.81,"end":1482.3301,"sentiment":"neutral","sentiment_score":0.035420407437615924},{"text":"You know what I mean?","start":1482.3301,"end":1483.39,"sentiment":"neutral","sentiment_score":-0.012158241495490075},{"text":"Like, it shouldn't be up to me to be able to go and do the research to tell you to research it.","start":1484.17,"end":1488.75,"sentiment":"neutral","sentiment_score":-0.021167858673090286},{"text":"Yeah.","start":1494.925,"end":1495.3251,"sentiment":"neutral","sentiment_score":-0.02806016057729721},{"text":"I was just plucking numbers out of, like, what I see regularly come up.","start":1495.3251,"end":1500.9451,"sentiment":"neutral","sentiment_score":-0.06738608496795807}],"sentiment":"neutral","sentiment_score":-0.023120897675992225,"num_words":51,"start":1478.81,"end":1500.9451},{"sentences":[{"text":"Please.","start":1502.925,"end":1503.425,"sentiment":"neutral","sentiment_score":0.06975435465574265},{"text":"Yeah.","start":1508.47,"end":1508.97,"sentiment":"neutral","sentiment_score":0.1214575171470642},{"text":"I do.","start":1509.43,"end":1510.17,"sentiment":"neutral","sentiment_score":0.1980263665318489},{"text":"Yeah.","start":1532.6799,"end":1533.1599,"sentiment":"neutral","sentiment_score":0.170927956700325},{"text":"That'd be wonderful.","start":1533.1599,"end":1534.1399,"sentiment":"positive","sentiment_score":0.538841168085734}],"sentiment":"neutral","sentiment_score":0.296839508228004,"num_words":8,"start":1502.925,"end":1534.1399},{"sentences":[{"text":"Yeah.","start":1549.565,"end":1549.965,"sentiment":"neutral","sentiment_score":0.1136421412229538},{"text":"That's the services guide, the financial services guide version for the twenty first to the fifth twenty sixth super insurance summary.","start":1549.965,"end":1559.84,"sentiment":"neutral","sentiment_score":0.12701497830095745},{"text":"The twelve month hub '24 well, the twenty first to the fifth December hub '24 I r l I r r.","start":1561.26,"end":1568.7999,"sentiment":"neutral","sentiment_score":0.022145339820001806},{"text":"Then the MLC, CRC, and the Vanguard index charts.","start":1569.485,"end":1573.665,"sentiment":"neutral","sentiment_score":0.037559378064341016},{"text":"Yep.","start":1597.11,"end":1597.61,"sentiment":"neutral","sentiment_score":0.09178497642278673}],"sentiment":"neutral","sentiment_score":0.06935524907103686,"num_words":53,"start":1549.565,"end":1597.61},{"sentences":[{"text":"Yep.","start":1616.49,"end":1616.99,"sentiment":"neutral","sentiment_score":0.2129766196012497},{"text":"Yep.","start":1622.41,"end":1622.91,"sentiment":"neutral","sentiment_score":0.058926455676555634},{"text":"Yep.","start":1627.145,"end":1627.305,"sentiment":"neutral","sentiment_score":0.05147364363074303},{"text":"Right then.","start":1627.305,"end":1628.125,"sentiment":"neutral","sentiment_score":0.061187200248241425},{"text":"Yeah.","start":1634.105,"end":1634.605,"sentiment":"neutral","sentiment_score":0.046090420335531235}],"sentiment":"neutral","sentiment_score":0.0819735899567604,"num_words":6,"start":1616.49,"end":1634.605},{"sentences":[{"text":"Okay.","start":1639.785,"end":1640.285,"sentiment":"neutral","sentiment_score":0.03922402858734131},{"text":"Mhmm.","start":1650.41,"end":1650.91,"sentiment":"neutral","sentiment_score":0.014932705089449884},{"text":"Yeah.","start":1669.3401,"end":1669.7401,"sentiment":"neutral","sentiment_score":0.13737457990646362},{"text":"That's fine.","start":1669.7401,"end":1670.56,"sentiment":"neutral","sentiment_score":0.19583696126937866},{"text":"That will pay out my mortgage for my husband and give him a couple years.","start":1670.7001,"end":1676.4801,"sentiment":"neutral","sentiment_score":0.07679410527149837}],"sentiment":"neutral","sentiment_score":0.08675584075972438,"num_words":20,"start":1639.785,"end":1676.4801},{"sentences":[{"text":"So yeah.","start":1677.5,"end":1678.2401,"sentiment":"neutral","sentiment_score":0.1725267395377159},{"text":"I will look.","start":1678.9401,"end":1679.5801,"sentiment":"neutral","sentiment_score":0.25322234630584717},{"text":"Yeah.","start":1679.5801,"end":1680.06,"sentiment":"neutral","sentiment_score":0.09495887905359268},{"text":"It's probably to be fair, it probably doesn't even need to be that high.","start":1680.06,"end":1683.075,"sentiment":"neutral","sentiment_score":-0.0956124683975109},{"text":"I don't know what has he got on his for me.","start":1683.075,"end":1686.195,"sentiment":"neutral","sentiment_score":-0.3088142600926486}],"sentiment":"neutral","sentiment_score":-0.11405974263024907,"num_words":31,"start":1677.5,"end":1686.195},{"sentences":[{"text":"I don't actually think no.","start":1686.195,"end":1688.115,"sentiment":"neutral","sentiment_score":-0.26317903250455854},{"text":"I think mine's I think his is at one point.","start":1688.115,"end":1691.635,"sentiment":"neutral","sentiment_score":-0.09336741492152215},{"text":"Oh, I think we dropped it so that we weren't paying such ridiculous premiums because we thought, what's the point of paying such big premiums when we could just put it straight in on to our mortgage right now?","start":1691.635,"end":1703.28,"sentiment":"negative","sentiment_score":-0.35580960642068815},{"text":"Whenever we're paying on these premiums, we could pay as up because our mortgage is only, like, $350 or something less than so it's, like, not that much, really.","start":1703.5,"end":1711.2949,"sentiment":"neutral","sentiment_score":-0.25256721161562823},{"text":"But I have to just, like, double down on that rather than paying for someone paying for insurance for someone to pay.","start":1712.475,"end":1717.6749,"sentiment":"neutral","sentiment_score":0.024923917922106655}],"sentiment":"neutral","sentiment_score":-0.21811682766392118,"num_words":105,"start":1686.195,"end":1717.6749},{"sentences":[{"text":"Because the reality is we would be fine to pay it off if one of us was left and we were left working.","start":1717.6749,"end":1723.115,"sentiment":"neutral","sentiment_score":0.11226373619359473},{"text":"We could do it.","start":1723.115,"end":1724.1749,"sentiment":"neutral","sentiment_score":0.2627037838101387},{"text":"So I'm almost like, well, I'd rather just have the money coming in to be able to double down on my principal monthly for him or for myself and not be banking on the fact that anything's gonna happen to either of us.","start":1724.79,"end":1740.225,"sentiment":"neutral","sentiment_score":0.13401925165292827},{"text":"We would only need enough to clear our mortgage, which is about 3 it's about $400, really, 354 100 to make it easy.","start":1740.225,"end":1748.145,"sentiment":"neutral","sentiment_score":0.07379761743156807},{"text":"So what are our premiums currently, please?","start":1748.145,"end":1750.8201,"sentiment":"neutral","sentiment_score":0.02349651192447969}],"sentiment":"neutral","sentiment_score":0.11257529673166573,"num_words":100,"start":1717.6749,"end":1750.8201},{"sentences":[{"text":"Yeah.","start":1768.405,"end":1768.725,"sentiment":"neutral","sentiment_score":0.028124794363975525},{"text":"But it's something that we're paying for.","start":1768.725,"end":1771.065,"sentiment":"neutral","sentiment_score":-0.003269727441615292},{"text":"We are most definitely paying for it.","start":1771.845,"end":1774.105,"sentiment":"neutral","sentiment_score":0.0933564943926675},{"text":"Yes.","start":1775.045,"end":1775.545,"sentiment":"neutral","sentiment_score":0.11547179520130156},{"text":"Yeah.","start":1783.0499,"end":1783.5499,"sentiment":"neutral","sentiment_score":0.07020944356918335}],"sentiment":"neutral","sentiment_score":0.04967137657598976,"num_words":17,"start":1768.405,"end":1783.5499},{"sentences":[{"text":"Okay.","start":1796.385,"end":1796.8651,"sentiment":"neutral","sentiment_score":-0.003483287990093231},{"text":"Well, just currently sorry.","start":1796.8651,"end":1798.4851,"sentiment":"neutral","sentiment_score":-0.09641158767044544},{"text":"Currently, I'm not working.","start":1798.625,"end":1800.9651,"sentiment":"neutral","sentiment_score":-0.18714549019932747},{"text":"So I'm paying income protection, and I'm not working.","start":1801.025,"end":1804.42,"sentiment":"neutral","sentiment_score":-0.23962672385904524},{"text":"So if something were to happen to me, would or if that sorry.","start":1804.42,"end":1808.98,"sentiment":"neutral","sentiment_score":-0.1342761946412233}],"sentiment":"neutral","sentiment_score":-0.16257879498504824,"num_words":31,"start":1796.385,"end":1808.98},{"sentences":[{"text":"If I was something was to happen yeah.","start":1808.98,"end":1811.78,"sentiment":"neutral","sentiment_score":-0.1195636484771967},{"text":"Nothing's gonna happen to me for my income protection.","start":1811.78,"end":1813.9401,"sentiment":"neutral","sentiment_score":-0.2775399949815538},{"text":"I'm paying 3,000.","start":1813.9401,"end":1815.06,"sentiment":"neutral","sentiment_score":-0.06455099831024806},{"text":"How much am I paying on ink yeah.","start":1815.06,"end":1826.505,"sentiment":"neutral","sentiment_score":-0.04982305131852627},{"text":"Because I'm currently not working.","start":1826.505,"end":1828.1051,"sentiment":"neutral","sentiment_score":-0.2164813533425331}],"sentiment":"neutral","sentiment_score":-0.15542464590433872,"num_words":33,"start":1808.98,"end":1828.1051},{"sentences":[{"text":"So can we just call that straight away, please?","start":1828.1051,"end":1830.925,"sentiment":"neutral","sentiment_score":-0.10311601559321086},{"text":"Mhmm.","start":1832.01,"end":1832.51,"sentiment":"neutral","sentiment_score":0.012443771585822104},{"text":"Yeah.","start":1838.49,"end":1838.99,"sentiment":"neutral","sentiment_score":-0.0067620184272527695},{"text":"Okay.","start":1853.715,"end":1854.215,"sentiment":"neutral","sentiment_score":-0.03250114619731903},{"text":"Yeah.","start":1854.995,"end":1855.495,"sentiment":"neutral","sentiment_score":-0.021766994148492813}],"sentiment":"neutral","sentiment_score":-0.07512542519431847,"num_words":13,"start":1828.1051,"end":1855.495},{"sentences":[{"text":"See, this is the thing.","start":1855.5549,"end":1856.995,"sentiment":"neutral","sentiment_score":-0.054553653299808505},{"text":"It's funny because I told them right.","start":1856.995,"end":1861.3099,"sentiment":"neutral","sentiment_score":-0.11579223296472005},{"text":"Because I've been out of work for a year and a half, and I told them about at least a year ago that I wasn't working.","start":1861.3099,"end":1868.0499,"sentiment":"neutral","sentiment_score":-0.21131879607072243},{"text":"And it's still coming out with income protection.","start":1868.91,"end":1871.25,"sentiment":"neutral","sentiment_score":-0.0845395103096962},{"text":"I was thinking about going back to work, but it was not happening anytime soon.","start":1878.335,"end":1883.315,"sentiment":"neutral","sentiment_score":-0.1851987858613332}],"sentiment":"neutral","sentiment_score":-0.16445738468013826,"num_words":61,"start":1855.5549,"end":1883.315},{"sentences":[{"text":"Writing, sir.","start":1902.34,"end":1903.24,"sentiment":"neutral","sentiment_score":-0.014282519929111004},{"text":"Yeah.","start":1926.3301,"end":1926.8301,"sentiment":"neutral","sentiment_score":0.012064684182405472},{"text":"Yeah.","start":1928.255,"end":1928.755,"sentiment":"neutral","sentiment_score":0.09813177585601808},{"text":"That's fine.","start":1928.8151,"end":1929.6151,"sentiment":"neutral","sentiment_score":0.21405687183141708},{"text":"I'm completely healthy.","start":1929.6151,"end":1931.935,"sentiment":"neutral","sentiment_score":0.2956589659055074}],"sentiment":"neutral","sentiment_score":0.1551913401732842,"num_words":9,"start":1902.34,"end":1931.935},{"sentences":[{"text":"But, yeah, that can just come through on your report.","start":1931.935,"end":1935.535,"sentiment":"neutral","sentiment_score":0.14581018835306167},{"text":"Oh, that's in.","start":1935.535,"end":1936.8351,"sentiment":"neutral","sentiment_score":0.05532866716384888},{"text":"Thank you.","start":1938.175,"end":1938.9751,"sentiment":"neutral","sentiment_score":0.2575277090072632},{"text":"Yeah.","start":1938.9751,"end":1939.4751,"sentiment":"neutral","sentiment_score":0.014066560193896294},{"text":"Well, because this it's all paid from my super.","start":1947.7799,"end":1950.98,"sentiment":"neutral","sentiment_score":0.01917376679678758}],"sentiment":"neutral","sentiment_score":0.09303095057606697,"num_words":25,"start":1931.935,"end":1950.98},{"sentences":[{"text":"Right?","start":1950.98,"end":1951.48,"sentiment":"neutral","sentiment_score":0.022743238136172295},{"text":"And if it's And so to have that coming from my super, then that would be, like, TPA $400 or something like that instead of would it be a a a bath?","start":1952.1799,"end":1970.015,"sentiment":"neutral","sentiment_score":0.0020298331219237298},{"text":"If it was to be halved, would that pretty much halved the the premium?","start":1970.075,"end":1976.06,"sentiment":"neutral","sentiment_score":-0.02402464539877006},{"text":"Okay.","start":1979.72,"end":1980.22,"sentiment":"neutral","sentiment_score":0.03867292031645775},{"text":"Yeah.","start":2003.39,"end":2003.63,"sentiment":"neutral","sentiment_score":0.033496394753456116}],"sentiment":"neutral","sentiment_score":-0.003601588213778272,"num_words":49,"start":1950.98,"end":2003.63},{"sentences":[{"text":"I got it.","start":2003.63,"end":2004.45,"sentiment":"neutral","sentiment_score":0.03408057118455569},{"text":"Yeah.","start":2006.1901,"end":2006.35,"sentiment":"neutral","sentiment_score":-0.0017488999292254448},{"text":"Okay.","start":2006.35,"end":2006.85,"sentiment":"neutral","sentiment_score":-0.015060966834425926},{"text":"Correct.","start":2025.915,"end":2026.415,"sentiment":"neutral","sentiment_score":0.03753175586462021},{"text":"Yeah.","start":2026.475,"end":2026.975,"sentiment":"neutral","sentiment_score":0.03982079774141312}],"sentiment":"neutral","sentiment_score":0.023254914342292717,"num_words":7,"start":2003.63,"end":2026.975},{"sentences":[{"text":"Yep.","start":2027.995,"end":2028.42,"sentiment":"neutral","sentiment_score":0.016205616295337677},{"text":"No.","start":2030.74,"end":2031.24,"sentiment":"neutral","sentiment_score":-0.03414835035800934},{"text":"No.","start":2033.06,"end":2033.38,"sentiment":"neutral","sentiment_score":-0.062240928411483765},{"text":"We don't.","start":2033.38,"end":2034.12,"sentiment":"neutral","sentiment_score":-0.04769413731992245},{"text":"Not a single debt except for exactly 350,000.","start":2038.9801,"end":2044.035,"sentiment":"neutral","sentiment_score":-0.0362876943545416}],"sentiment":"neutral","sentiment_score":-0.03583642245771793,"num_words":13,"start":2027.995,"end":2044.035},{"sentences":[{"text":"Okay.","start":2044.355,"end":2044.855,"sentiment":"neutral","sentiment_score":0.0010975617915391922},{"text":"Sorry.","start":2046.275,"end":2046.5951,"sentiment":"neutral","sentiment_score":-0.04620174318552017},{"text":"What is that 1?","start":2046.5951,"end":2047.495,"sentiment":"neutral","sentiment_score":-0.04084784537553787},{"text":"I'm just looking at the exact.","start":2050.2751,"end":2054.7751,"sentiment":"neutral","sentiment_score":-0.07323603580395381},{"text":"I've got sorry.","start":2061.74,"end":2068.56,"sentiment":"neutral","sentiment_score":0.013669818018873533}],"sentiment":"neutral","sentiment_score":-0.04046015491088231,"num_words":15,"start":2044.355,"end":2068.56},{"sentences":[{"text":"Yes.","start":2075.045,"end":2075.525,"sentiment":"neutral","sentiment_score":0.025736503303050995},{"text":"Exactly.","start":2075.525,"end":2076.025,"sentiment":"neutral","sentiment_score":0.03963231295347214},{"text":"$3.50 on the dot.","start":2076.2449,"end":2077.785,"sentiment":"neutral","sentiment_score":0.026809880509972572},{"text":"Let me know.","start":2091.82,"end":2092.64,"sentiment":"neutral","sentiment_score":-0.030284661799669266},{"text":"$3.53 50 does anywhere between $3.50 and 600.","start":2092.86,"end":2097.34,"sentiment":"neutral","sentiment_score":-0.03233865508809686}],"sentiment":"neutral","sentiment_score":-0.010409111047492307,"num_words":17,"start":2075.045,"end":2097.34},{"sentences":[{"text":"I think 850 is just, like, a bit excessive.","start":2097.34,"end":2101.92,"sentiment":"negative","sentiment_score":-0.5201150178909302},{"text":"I don't know what we need that for at the moment.","start":2102.14,"end":2105.065,"sentiment":"neutral","sentiment_score":-0.28646810759197583},{"text":"What I mean is I would like I would rather oh, gosh.","start":2105.525,"end":2109.065,"sentiment":"neutral","sentiment_score":-0.0891944793984294},{"text":"Total permanent disability.","start":2109.365,"end":2110.6648,"sentiment":"neutral","sentiment_score":-0.1671727349360784},{"text":"I need to do you wanna know what I probably need to do if I actually read the policy and see what it covers me for?","start":2111.285,"end":2117.7048,"sentiment":"neutral","sentiment_score":-0.13220491718787414}],"sentiment":"neutral","sentiment_score":-0.21051416637711837,"num_words":61,"start":2097.34,"end":2117.7048},{"sentences":[{"text":"Because that's the thing.","start":2122.99,"end":2124.45,"sentiment":"neutral","sentiment_score":-0.025412244722247124},{"text":"A lot of it's all dependent on coverage, isn't it?","start":2124.91,"end":2127.55,"sentiment":"neutral","sentiment_score":-0.1433231234550476},{"text":"Like, you know, you pay through the notes thinking we'll pay, like, absolute little for, like, you pay for all the extras that you don't need.","start":2127.55,"end":2135.015,"sentiment":"neutral","sentiment_score":-0.19591853738977358},{"text":"You really just need hospital cover on something.","start":2135.015,"end":2136.615,"sentiment":"neutral","sentiment_score":-0.22598777152597904},{"text":"I'm just, like, saying, for example, like, with your health insurance.","start":2136.615,"end":2139.6548,"sentiment":"neutral","sentiment_score":-0.07945324345068498}],"sentiment":"neutral","sentiment_score":-0.1578076277243889,"num_words":59,"start":2122.99,"end":2139.6548},{"sentences":[{"text":"Like, it's really all dependent on what you need it for, and I'm, like, going, okay.","start":2139.6548,"end":2144.535,"sentiment":"neutral","sentiment_score":-0.10979345114901662},{"text":"So what would this total and permanent disability cover me for?","start":2144.535,"end":2147.4148,"sentiment":"neutral","sentiment_score":-0.0754529403691942},{"text":"Does it cover you for, like is it does it cover you for cancers?","start":2147.4148,"end":2150.79,"sentiment":"neutral","sentiment_score":-0.06371666943388325},{"text":"Does it cover you or does it just cover you for car accident?","start":2150.8499,"end":2153.25,"sentiment":"neutral","sentiment_score":-0.09476292190643457},{"text":"Like, do you know what I mean?","start":2153.25,"end":2154.05,"sentiment":"neutral","sentiment_score":-0.10633773037365504}],"sentiment":"neutral","sentiment_score":-0.08942611527736069,"num_words":61,"start":2139.6548,"end":2154.05},{"sentences":[{"text":"Like, I'm just What is it?","start":2154.05,"end":2156.79,"sentiment":"neutral","sentiment_score":-0.07376152649521828},{"text":"Yeah.","start":2161.3298,"end":2161.665,"sentiment":"neutral","sentiment_score":-0.2583950161933899},{"text":"Yes.","start":2174.26,"end":2174.76,"sentiment":"neutral","sentiment_score":0.05600273609161377},{"text":"Yep.","start":2182.4202,"end":2182.9202,"sentiment":"neutral","sentiment_score":-0.029393909499049187},{"text":"Yeah.","start":2205.1902,"end":2205.6902,"sentiment":"neutral","sentiment_score":-0.02014262229204178}],"sentiment":"neutral","sentiment_score":-0.06944979708641767,"num_words":10,"start":2154.05,"end":2205.6902},{"sentences":[{"text":"Yeah.","start":2224.905,"end":2225.405,"sentiment":"neutral","sentiment_score":-0.04768871143460274},{"text":"But yeah.","start":2225.945,"end":2227.3252,"sentiment":"neutral","sentiment_score":-0.018901797011494637},{"text":"I get it.","start":2227.5452,"end":2228.5051,"sentiment":"neutral","sentiment_score":0.01595367242892583},{"text":"But knowing that, say, if I was yeah.","start":2228.5051,"end":2233.5098,"sentiment":"neutral","sentiment_score":-0.038751687621697783},{"text":"See, at the moment, because I'm solely supported by my well, I'm I'm working in the home.","start":2233.5098,"end":2238.3098,"sentiment":"neutral","sentiment_score":0.06018848574775107}],"sentiment":"neutral","sentiment_score":0.021792240921528108,"num_words":31,"start":2224.905,"end":2238.3098},{"sentences":[{"text":"Right?","start":2238.3098,"end":2238.7898,"sentiment":"neutral","sentiment_score":0.06841835379600525},{"text":"So and, like, work yeah.","start":2238.7898,"end":2243.0298,"sentiment":"neutral","sentiment_score":0.09158540815114975},{"text":"So my husband is supporting us.","start":2243.0298,"end":2245.19,"sentiment":"neutral","sentiment_score":0.0745816466708978},{"text":"If he was so what yeah.","start":2245.19,"end":2247.8352,"sentiment":"neutral","sentiment_score":-0.001722056729098161},{"text":"But he wouldn't be able to support us if I wasn't supporting him.","start":2247.8352,"end":2250.475,"sentiment":"neutral","sentiment_score":-0.17086416769486207}],"sentiment":"neutral","sentiment_score":-0.04057197567195662,"num_words":31,"start":2238.3098,"end":2250.475},{"sentences":[{"text":"So it's like, you know, what comes best is the technology.","start":2250.475,"end":2252.875,"sentiment":"neutral","sentiment_score":-0.027012170377102764},{"text":"Is the woman who's supporting the men so he can support the family or will that anyway, it's the whole it's the whole thing.","start":2252.875,"end":2259.0352,"sentiment":"neutral","sentiment_score":0.06329703330993652},{"text":"We've just it just works that in our best interest this way.","start":2259.0352,"end":2262.39,"sentiment":"neutral","sentiment_score":0.14826486011346182},{"text":"However, if something were to happen to him, his insurance is set up to sort out so that our kids and the family and everything could continue to carry on.","start":2262.39,"end":2272.65,"sentiment":"neutral","sentiment_score":-0.30701487213373185},{"text":"If something were to happen to me, I'm not bringing an income in at the moment anyway, but I but as women's as women but I I would be able to I can work from home, and I can sit in an office.","start":2273.625,"end":2288.07,"sentiment":"neutral","sentiment_score":-0.14500026659346943}],"sentiment":"neutral","sentiment_score":-0.10370236984066045,"num_words":120,"start":2250.475,"end":2288.07},{"sentences":[{"text":"So it's unlikely that I would get TBD anyway because my job is wholly and solely based generally on my capacity to be able to sit there and spit out spreadsheets and do using a computer computer facet of environment, and that is unlikely to be affected unless I unless something unless that something is, you know, with your mental cognitive activity, whatever, in there.","start":2288.07,"end":2317.43,"sentiment":"neutral","sentiment_score":-0.16525362400481333},{"text":"Nah.","start":2318.77,"end":2319.27,"sentiment":"neutral","sentiment_score":-0.0916450023651123},{"text":"So I don't know.","start":2320.29,"end":2321.01,"sentiment":"neutral","sentiment_score":-0.17510807886719704},{"text":"So that'll look again.","start":2321.01,"end":2322.31,"sentiment":"neutral","sentiment_score":-0.14289598539471626},{"text":"Yeah.","start":2322.3699,"end":2322.69,"sentiment":"neutral","sentiment_score":-0.01846485212445259}],"sentiment":"neutral","sentiment_score":-0.1616481556246678,"num_words":75,"start":2288.07,"end":2322.69},{"sentences":[{"text":"So TPD is unlikely to be something that I'm ever gonna be able to draw on unless I read the fine print and see that it's easy for me to get from that.","start":2322.69,"end":2333.125,"sentiment":"neutral","sentiment_score":-0.054412439691297936},{"text":"And then that's possibly not gonna be until a way later in my life anyway.","start":2333.125,"end":2336.585,"sentiment":"neutral","sentiment_score":-0.17765745520591736},{"text":"Well, I'd like to be able to be applicable for the TBD if something were to happen to me.","start":2351.22,"end":2355.94,"sentiment":"neutral","sentiment_score":0.024013603204175046},{"text":"Do I if I'm not working, does TBD still stand for me?","start":2355.94,"end":2359.885,"sentiment":"neutral","sentiment_score":-0.11890291888266802},{"text":"Is that that's just that's the thing.","start":2360.2651,"end":2361.7852,"sentiment":"neutral","sentiment_score":0.0038709603250026703}],"sentiment":"neutral","sentiment_score":-0.0628366532713868,"num_words":86,"start":2322.69,"end":2361.7852},{"sentences":[{"text":"Yeah.","start":2361.7852,"end":2362.0251,"sentiment":"neutral","sentiment_score":0.12209124863147736},{"text":"It does.","start":2362.0251,"end":2362.685,"sentiment":"neutral","sentiment_score":0.12180273979902267},{"text":"Yep.","start":2363.225,"end":2363.725,"sentiment":"neutral","sentiment_score":-0.07741130888462067},{"text":"Yeah.","start":2369.385,"end":2369.705,"sentiment":"neutral","sentiment_score":-0.06607550382614136},{"text":"Right.","start":2369.705,"end":2370.205,"sentiment":"neutral","sentiment_score":-0.031963128596544266}],"sentiment":"neutral","sentiment_score":0.0317077978203694,"num_words":6,"start":2361.7852,"end":2370.205},{"sentences":[{"text":"Okay.","start":2370.62,"end":2370.94,"sentiment":"neutral","sentiment_score":0.0039577968418598175},{"text":"Got you.","start":2370.94,"end":2371.82,"sentiment":"neutral","sentiment_score":0.067814901471138},{"text":"Yep.","start":2371.82,"end":2372.1401,"sentiment":"neutral","sentiment_score":0.03794054687023163},{"text":"Yep.","start":2372.1401,"end":2372.3801,"sentiment":"neutral","sentiment_score":0.03732626885175705},{"text":"Yep.","start":2372.3801,"end":2372.62,"sentiment":"neutral","sentiment_score":0.0338379442691803}],"sentiment":"neutral","sentiment_score":0.04144872662921747,"num_words":6,"start":2370.62,"end":2372.62},{"sentences":[{"text":"Yep.","start":2372.62,"end":2373.12,"sentiment":"neutral","sentiment_score":0.025787603110074997},{"text":"So if I was to get I guess I need to read it.","start":2378.1401,"end":2380.46,"sentiment":"neutral","sentiment_score":-0.09618376653928024},{"text":"Like, if I was to get breast cancer or if I was to have a heart attack or something like that, kind of cardiovascular disease or something like that.","start":2380.46,"end":2387.875,"sentiment":"neutral","sentiment_score":-0.14540404261186204},{"text":"I'm wondering if all that sort of Yeah.","start":2389.055,"end":2392.275,"sentiment":"neutral","sentiment_score":-0.11208744440227747},{"text":"Yes.","start":2407.76,"end":2408.26,"sentiment":"neutral","sentiment_score":0.02850370667874813}],"sentiment":"neutral","sentiment_score":-0.12133681627276999,"num_words":52,"start":2372.62,"end":2408.26},{"sentences":[{"text":"Yes.","start":2408.56,"end":2409.06,"sentiment":"neutral","sentiment_score":0.02686529979109764},{"text":"Gotcha.","start":2409.1199,"end":2409.6199,"sentiment":"neutral","sentiment_score":-0.07742051035165787},{"text":"Yep.","start":2417.835,"end":2418.335,"sentiment":"neutral","sentiment_score":-0.02447853609919548},{"text":"Got 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depends.","start":2444.795,"end":2446.9749,"sentiment":"neutral","sentiment_score":-0.03244637760023276}],"sentiment":"neutral","sentiment_score":-0.030117074493318796,"num_words":12,"start":2441.57,"end":2446.9749},{"sentences":[{"text":"Cara, let's see about that.","start":2448.9548,"end":2450.7349,"sentiment":"neutral","sentiment_score":-0.0006986919790506363},{"text":"Thank you.","start":2472.225,"end":2474.645,"sentiment":"neutral","sentiment_score":0.20079305768013003},{"text":"Yeah.","start":2481.425,"end":2481.665,"sentiment":"neutral","sentiment_score":0.025742262601852417},{"text":"It'd be interesting just to see what the premium comes down to when you remove IP from that, please.","start":2481.665,"end":2495.0298,"sentiment":"neutral","sentiment_score":0.007879336082719658},{"text":"Okay.","start":2495.8098,"end":2496.3098,"sentiment":"neutral","sentiment_score":0.034405630081892014}],"sentiment":"neutral","sentiment_score":0.021712426204300885,"num_words":28,"start":2448.9548,"end":2496.3098},{"sentences":[{"text":"Oh, yeah.","start":2514.56,"end":2514.96,"sentiment":"neutral","sentiment_score":0.03564233146607876},{"text":"The MLCCFA.","start":2514.96,"end":2515.7,"sentiment":"neutral","sentiment_score":0.03889388032257557},{"text":"Here it is.","start":2516.16,"end":2516.56,"sentiment":"neutral","sentiment_score":0.041781860093275704},{"text":"Yep.","start":2516.56,"end":2516.88,"sentiment":"neutral","sentiment_score":0.053037047386169434},{"text":"Gotcha.","start":2516.88,"end":2517.38,"sentiment":"neutral","sentiment_score":0.04242458567023277}],"sentiment":"neutral","sentiment_score":0.04109773743483755,"num_words":9,"start":2514.56,"end":2517.38},{"sentences":[{"text":"I've opened it.","start":2517.52,"end":2518.66,"sentiment":"neutral","sentiment_score":0.025591373443603516},{"text":"Right.","start":2519.04,"end":2519.52,"sentiment":"neutral","sentiment_score":0.031677745282649994},{"text":"Mhmm.","start":2519.52,"end":2520.02,"sentiment":"neutral","sentiment_score":0.024876095354557037},{"text":"Okay.","start":2521.2,"end":2521.7,"sentiment":"neutral","sentiment_score":0.031035466119647023},{"text":"Yep.","start":2525.04,"end":2525.54,"sentiment":"neutral","sentiment_score":0.05244262143969536}],"sentiment":"neutral","sentiment_score":0.03097229264676571,"num_words":7,"start":2517.52,"end":2525.54},{"sentences":[{"text":"Yes.","start":2527.115,"end":2527.615,"sentiment":"neutral","sentiment_score":0.057436753064394},{"text":"Yep.","start":2529.275,"end":2529.775,"sentiment":"neutral","sentiment_score":0.06907770037651062},{"text":"Okay.","start":2532.875,"end":2533.375,"sentiment":"neutral","sentiment_score":0.06189163401722908},{"text":"Gotcha.","start":2533.835,"end":2534.335,"sentiment":"neutral","sentiment_score":0.06242074817419052},{"text":"You're 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any.","start":2556.835,"end":2564.295,"sentiment":"neutral","sentiment_score":-0.07516845855861902}],"sentiment":"neutral","sentiment_score":-0.03109332728313237,"num_words":41,"start":2542.5,"end":2564.295},{"sentences":[{"text":"Oh, yes.","start":2573.8,"end":2574.2,"sentiment":"neutral","sentiment_score":-0.016340237576514482},{"text":"A 30 question.","start":2574.2,"end":2575.5,"sentiment":"neutral","sentiment_score":-0.04350327327847481},{"text":"Yeah.","start":2578.76,"end":2579.08,"sentiment":"neutral","sentiment_score":0.010980007238686085},{"text":"Yep.","start":2579.08,"end":2579.48,"sentiment":"neutral","sentiment_score":0.012348453514277937},{"text":"Sorry.","start":2579.48,"end":2579.98,"sentiment":"neutral","sentiment_score":-0.014119559898972511}],"sentiment":"neutral","sentiment_score":-0.019247674266807735,"num_words":8,"start":2573.8,"end":2579.98},{"sentences":[{"text":"I was thinking waiting period is, like, you know, when you join us on medical fund, and then it's, like, three months till you can claim orthodontist.","start":2580.935,"end":2588.155,"sentiment":"neutral","sentiment_score":-0.03429493183890978},{"text":"Okay.","start":2588.535,"end":2589.035,"sentiment":"neutral","sentiment_score":-0.011541906744241714},{"text":"So okay.","start":2593.7,"end":2594.68,"sentiment":"neutral","sentiment_score":0.036959076300263405},{"text":"That can all I'll I'll I'll sit on that one, speak to my husband and check-in with him.","start":2595.14,"end":2601.64,"sentiment":"neutral","sentiment_score":0.008843427989631891},{"text":"Mhmm.","start":2602.5798,"end":2603.0798,"sentiment":"neutral","sentiment_score":0.008385157212615013}],"sentiment":"neutral","sentiment_score":-0.014204490872822245,"num_words":49,"start":2580.935,"end":2603.0798},{"sentences":[{"text":"And if I was at Yes.","start":2604.0198,"end":2632.06,"sentiment":"neutral","sentiment_score":-0.0004975683987140656},{"text":"Yes.","start":2640.575,"end":2641.075,"sentiment":"neutral","sentiment_score":-0.012552421540021896},{"text":"No.","start":2641.135,"end":2641.295,"sentiment":"neutral","sentiment_score":-0.051308173686265945},{"text":"That sounds great.","start":2641.295,"end":2642.095,"sentiment":"neutral","sentiment_score":0.2094205617904663},{"text":"Yes, please.","start":2642.095,"end":2642.7349,"sentiment":"neutral","sentiment_score":0.2500498592853546}],"sentiment":"neutral","sentiment_score":0.08165503064027199,"num_words":13,"start":2604.0198,"end":2642.7349},{"sentences":[{"text":"Do that.","start":2642.7349,"end":2643.055,"sentiment":"neutral","sentiment_score":0.3122837394475937},{"text":"That's 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it.","start":2784.155,"end":2785.615,"sentiment":"neutral","sentiment_score":0.03146174512803555},{"text":"Okay.","start":2811.965,"end":2812.465,"sentiment":"neutral","sentiment_score":-0.0021959326695650816}],"sentiment":"neutral","sentiment_score":0.06179100994486362,"num_words":10,"start":2777.355,"end":2812.465},{"sentences":[{"text":"Gotcha.","start":2840.6,"end":2841.1,"sentiment":"neutral","sentiment_score":0.08626434206962585},{"text":"No.","start":2847.72,"end":2848.22,"sentiment":"neutral","sentiment_score":-0.08704512566328049},{"text":"Oh, ASAP, but, like, I yeah.","start":2872.53,"end":2878.15,"sentiment":"neutral","sentiment_score":-0.004654672462493181},{"text":"What's the earliest age that we're well, the reality is that, like, we don't have a date an expiry date.","start":2878.69,"end":2885.5151,"sentiment":"neutral","sentiment_score":-0.09664918067865073},{"text":"None of us has a life expiry an exact date of our life expiry.","start":2885.5151,"end":2889.695,"sentiment":"neutral","sentiment_score":-0.13931411398308619}],"sentiment":"neutral","sentiment_score":-0.09314500065963893,"num_words":42,"start":2840.6,"end":2889.695},{"sentences":[{"text":"So you sit there and, like, get wait until you're 67 to to die at the age of 72.","start":2890.155,"end":2896.5552,"sentiment":"neutral","sentiment_score":-0.22338716215208956},{"text":"What's the point of waiting to access it to have to work until you're 70 to pay off your mortgage?","start":2896.5552,"end":2902.76,"sentiment":"negative","sentiment_score":-0.38564077615737913},{"text":"I would rather personally take it out straight away and just dump it on my mortgage because we'd probably be that quite between my husband and I by then to pretty much paid it out and be following like, honestly, we've got a a bit out of the bag.","start":2902.76,"end":2917.615,"sentiment":"negative","sentiment_score":-0.37007152616065375},{"text":"Right?","start":2919.115,"end":2919.615,"sentiment":"neutral","sentiment_score":0.0571175217628479},{"text":"Mhmm.","start":2921.035,"end":2921.535,"sentiment":"neutral","sentiment_score":0.07405853271484375}],"sentiment":"neutral","sentiment_score":-0.33288333701590694,"num_words":90,"start":2890.155,"end":2921.535},{"sentences":[{"text":"Sixty.","start":2930.49,"end":2930.99,"sentiment":"neutral","sentiment_score":0.11919738352298737},{"text":"Okay.","start":2951.735,"end":2952.235,"sentiment":"neutral","sentiment_score":0.14372071623802185},{"text":"So ten years.","start":2952.2952,"end":2953.355,"sentiment":"neutral","sentiment_score":0.1751153071721395},{"text":"Yeah.","start":2953.68,"end":2953.92,"sentiment":"positive","sentiment_score":0.34802377223968506},{"text":"I'll be accessing it in ten years.","start":2953.92,"end":2956.0999,"sentiment":"positive","sentiment_score":0.4886802988392966}],"sentiment":"positive","sentiment_score":0.3505422988763222,"num_words":13,"start":2930.49,"end":2956.0999},{"sentences":[{"text":"I know.","start":2956.3198,"end":2956.8,"sentiment":"neutral","sentiment_score":0.30878545343875885},{"text":"Yes.","start":2956.8,"end":2957.1199,"sentiment":"positive","sentiment_score":0.38730841875076294},{"text":"You should probably, you know, trust other people to invest it and grow it further and whatnot.","start":2957.1199,"end":2964.56,"sentiment":"positive","sentiment_score":0.39548906333306255},{"text":"But the reality is the amount of money that we pay on interest, It's a well, I'm I'm looking at the growth of this whole portfolio and what's been happening with it.","start":2964.56,"end":2975.395,"sentiment":"neutral","sentiment_score":0.10898516548331827},{"text":"It's actually way better value for me to check it on my mortgage and not be paying interest rate.","start":2975.395,"end":2980.935,"sentiment":"positive","sentiment_score":0.38453546793837295}],"sentiment":"neutral","sentiment_score":0.2608717265997974,"num_words":71,"start":2956.3198,"end":2980.935},{"sentences":[{"text":"Yeah.","start":2984.5151,"end":2984.97,"sentiment":"neutral","sentiment_score":0.2117720991373062},{"text":"Yeah.","start":2985.93,"end":2986.43,"sentiment":"neutral","sentiment_score":0.13256031274795532},{"text":"Yeah.","start":2999.635,"end":3000.135,"sentiment":"neutral","sentiment_score":-0.035210706293582916},{"text":"I know.","start":3010.355,"end":3010.7551,"sentiment":"neutral","sentiment_score":-0.058588601648807526},{"text":"I'll work.","start":3010.7551,"end":3011.475,"sentiment":"neutral","sentiment_score":0.06105913501232862}],"sentiment":"neutral","sentiment_score":0.04486611033124583,"num_words":7,"start":2984.5151,"end":3011.475},{"sentences":[{"text":"I'll just happily work, and I've got an Airbnb out the back.","start":3011.475,"end":3014.13,"sentiment":"positive","sentiment_score":0.4124027689297994},{"text":"It what it means is that I don't need to pay a mortgage, but I just work to live, and it's a way easier option for me.","start":3014.21,"end":3022.13,"sentiment":"neutral","sentiment_score":0.13147040511722918},{"text":"It's way more comfortable.","start":3022.13,"end":3023.3499,"sentiment":"neutral","sentiment_score":0.318141371011734},{"text":"Yeah.","start":3028.3699,"end":3028.8699,"sentiment":"neutral","sentiment_score":0.23921826481819153},{"text":"I'll go and live in our caravan and and get an income of, like, you know, $2 a week for a house.","start":3029.7952,"end":3035.3152,"sentiment":"neutral","sentiment_score":0.26774327287619765}],"sentiment":"neutral","sentiment_score":0.24091924117370087,"num_words":66,"start":3011.475,"end":3035.3152},{"sentences":[{"text":"Like, oh, happily do that.","start":3035.3152,"end":3037.2551,"sentiment":"neutral","sentiment_score":-0.08956183660775423},{"text":"Well, yeah, it's probably about 1,500 at the minute, but I'm thinking in ten years from time from now, it's gonna be up there.","start":3037.875,"end":3044.135,"sentiment":"neutral","sentiment_score":0.006963216563841949},{"text":"Ridiculous.","start":3045.51,"end":3046.01,"sentiment":"negative","sentiment_score":-0.4613284170627594},{"text":"Yeah.","start":3047.03,"end":3047.53,"sentiment":"neutral","sentiment_score":0.29105424880981445},{"text":"Sorry.","start":3048.1501,"end":3048.6301,"sentiment":"neutral","sentiment_score":0.034336503595113754}],"sentiment":"neutral","sentiment_score":-0.013019676567637362,"num_words":32,"start":3035.3152,"end":3048.6301},{"sentences":[{"text":"I'm just like, I'm going more for the safer option then because, like, I was working at the anti corruption commission with a beautiful lady.","start":3048.6301,"end":3056.25,"sentiment":"neutral","sentiment_score":0.010253936983644962},{"text":"I I did this massive you know, I I gave her a massive send off, then AMP and everything that this is she the GSE before the like, probably in 1997.","start":3056.6301,"end":3068.625,"sentiment":"neutral","sentiment_score":-0.03937581493969886},{"text":"It was one of it was before the one in 2005, whatever date it was, 2005.","start":3068.685,"end":3075.38,"sentiment":"neutral","sentiment_score":-0.07718548621051013},{"text":"Anyway, she lost all the like, her everything absolutely collapsed.","start":3075.38,"end":3081.0,"sentiment":"negative","sentiment_score":-0.3528869807720184},{"text":"Four weeks later, she was back at work.","start":3081.94,"end":3084.04,"sentiment":"neutral","sentiment_score":-0.2755814418196678}],"sentiment":"neutral","sentiment_score":-0.08814212177983588,"num_words":90,"start":3048.6301,"end":3084.04},{"sentences":[{"text":"It was heartbreaking.","start":3084.0999,"end":3085.7952,"sentiment":"negative","sentiment_score":-0.41167288025220233},{"text":"She should have been yeah.","start":3086.2551,"end":3088.115,"sentiment":"neutral","sentiment_score":-0.1800607919692993},{"text":"No.","start":3089.8552,"end":3090.3552,"sentiment":"neutral","sentiment_score":-0.08563585579395294},{"text":"Exactly.","start":3098.0952,"end":3098.5952,"sentiment":"neutral","sentiment_score":-0.0482797846198082},{"text":"Well, I just look.","start":3107.76,"end":3111.12,"sentiment":"neutral","sentiment_score":-0.04183279676362872}],"sentiment":"neutral","sentiment_score":-0.17404067343366997,"num_words":14,"start":3084.0999,"end":3111.12},{"sentences":[{"text":"I'm all up for high risk, but I'm looking at what high risk has earned me this year.","start":3111.12,"end":3115.7249,"sentiment":"neutral","sentiment_score":-0.08544435124430391},{"text":"I'm not going sweet, I say, really, 2.62%.","start":3115.7249,"end":3119.585,"sentiment":"neutral","sentiment_score":-0.21832469291985035},{"text":"I would probably have earned more if I'd gone safe.","start":3120.045,"end":3123.425,"sentiment":"neutral","sentiment_score":-0.13935235738754273},{"text":"Yep.","start":3159.98,"end":3160.48,"sentiment":"neutral","sentiment_score":0.0237065851688385},{"text":"Uh-huh.","start":3166.46,"end":3166.96,"sentiment":"neutral","sentiment_score":-0.001866550068370998}],"sentiment":"neutral","sentiment_score":-0.12253366854029561,"num_words":38,"start":3111.12,"end":3166.96},{"sentences":[{"text":"Can I ask how long do you feel it's going to take before our high growth sort of fun starts to bounce back a little bit?","start":3167.18,"end":3177.165,"sentiment":"neutral","sentiment_score":-0.07118664886086033},{"text":"Because I was just like thinking if I'd been in bloody anything today with, like, you know, AI and all that sort of stuff, we would have been doing it.","start":3258.195,"end":3265.395,"sentiment":"neutral","sentiment_score":-0.0637538746620218},{"text":"I think so it's kind of like, where is all my money tied up at the moment?","start":3265.395,"end":3269.0752,"sentiment":"neutral","sentiment_score":-0.07730548653532476},{"text":"Like, what are the what are the actual funds of a I can't understand what these That's right.","start":3269.0752,"end":3278.98,"sentiment":"neutral","sentiment_score":-0.06293974609838592},{"text":"Ones like battery tech lithium, from S and P five hundred Asia.","start":3279.2998,"end":3288.425,"sentiment":"neutral","sentiment_score":0.0378763012898465}],"sentiment":"neutral","sentiment_score":-0.05588409898676051,"num_words":103,"start":3167.18,"end":3288.425},{"sentences":[{"text":"That's better.","start":3290.405,"end":3291.305,"sentiment":"neutral","sentiment_score":0.11896094679832458},{"text":"Yeah.","start":3291.605,"end":3292.005,"sentiment":"neutral","sentiment_score":0.19736593961715695},{"text":"That's obvious.","start":3292.005,"end":3292.7449,"sentiment":"neutral","sentiment_score":0.21542666852474213},{"text":"Vanguard.","start":3293.525,"end":3294.025,"sentiment":"neutral","sentiment_score":0.092288039624691},{"text":"Do you have conserve like, what what Vanguard do conserve the HF unit?","start":3294.4849,"end":3300.6802,"sentiment":"neutral","sentiment_score":0.0058692069007800175}],"sentiment":"neutral","sentiment_score":0.054459415768322195,"num_words":19,"start":3290.405,"end":3300.6802},{"sentences":[{"text":"Are they that's it's like because doesn't Vanguard have a billion different things that's hard to sell one.","start":3301.3,"end":3310.995,"sentiment":"neutral","sentiment_score":-0.032064702827483416},{"text":"Yeah.","start":3311.855,"end":3312.175,"sentiment":"neutral","sentiment_score":-0.0004195338115096092},{"text":"So it's hard for me to just tell what these portfolios are for because, okay, yes, they're recognizable names, but I don't know what they're actually.","start":3312.175,"end":3320.595,"sentiment":"neutral","sentiment_score":-0.04531208268151833},{"text":"Yeah.","start":3321.3098,"end":3321.8098,"sentiment":"neutral","sentiment_score":0.03934893012046814},{"text":"Yep.","start":3343.7952,"end":3344.2952,"sentiment":"neutral","sentiment_score":0.09767353534698486}],"sentiment":"neutral","sentiment_score":-0.03443991210549436,"num_words":47,"start":3301.3,"end":3344.2952},{"sentences":[{"text":"Thank you.","start":3367.875,"end":3368.435,"sentiment":"positive","sentiment_score":0.5415390580892563},{"text":"That would be great.","start":3368.435,"end":3369.4949,"sentiment":"positive","sentiment_score":0.49836164712905884},{"text":"As long as it's in the right high growth, but in the right in the right kind of funds.","start":3382.8098,"end":3390.73,"sentiment":"neutral","sentiment_score":0.03050443706543822},{"text":"Like, I like I can see sort of, like, you know, high growth, for example, like, AI is worth kind of betting on.","start":3390.73,"end":3397.5051,"sentiment":"neutral","sentiment_score":0.20448697844277258},{"text":"It's kind of a bit of a it's here.","start":3397.5051,"end":3399.2651,"sentiment":"neutral","sentiment_score":0.1787239842944675}],"sentiment":"neutral","sentiment_score":0.17487412932933422,"num_words":57,"start":3367.875,"end":3399.2651},{"sentences":[{"text":"It's obviously, like, taking the world by storm, and it's doing it's like there is so much.","start":3399.2651,"end":3405.125,"sentiment":"neutral","sentiment_score":0.1980384877499412},{"text":"But it's like when the Internet arrived, like, the most millionaires are gonna arrive with the Internet.","start":3405.56,"end":3410.76,"sentiment":"neutral","sentiment_score":0.049526961958583665},{"text":"It's like AI brewing.","start":3410.76,"end":3411.96,"sentiment":"neutral","sentiment_score":0.06251243315637112},{"text":"It's like, well, hey.","start":3411.96,"end":3413.48,"sentiment":"neutral","sentiment_score":0.05283426959067583},{"text":"Yeah.","start":3413.48,"end":3413.8,"sentiment":"neutral","sentiment_score":0.07768607139587402}],"sentiment":"neutral","sentiment_score":0.11041129133555778,"num_words":43,"start":3399.2651,"end":3413.8},{"sentences":[{"text":"But there's obviously the option.","start":3413.8,"end":3415.32,"sentiment":"neutral","sentiment_score":0.032756402343511584},{"text":"Like, you gotta keep an eye on it because it's boom and bust.","start":3415.32,"end":3417.64,"sentiment":"neutral","sentiment_score":-0.004129645199729846},{"text":"Like, But it's yeah.","start":3417.64,"end":3419.125,"sentiment":"neutral","sentiment_score":0.0169016697909683},{"text":"And it's here at the moment, and it's absolutely doing doing massive things.","start":3419.125,"end":3424.8848,"sentiment":"neutral","sentiment_score":0.05996759035266363},{"text":"So it's like well, it's obviously a sure bet at the minute even though it is high risk.","start":3424.8848,"end":3429.9448,"sentiment":"neutral","sentiment_score":-0.10847390567262967}],"sentiment":"neutral","sentiment_score":-0.018778270268637053,"num_words":53,"start":3413.8,"end":3429.9448},{"sentences":[{"text":"Do you know what I mean?","start":3430.085,"end":3431.305,"sentiment":"neutral","sentiment_score":-0.07556759690244992},{"text":"So so I sort of think it's like it's sort of like a smart risk, I sort of think.","start":3431.6,"end":3435.52,"sentiment":"neutral","sentiment_score":-0.16986020438765226},{"text":"You know?","start":3435.52,"end":3436.18,"sentiment":"neutral","sentiment_score":-0.06742837280035019},{"text":"Defense at the moment is kind of like a smart risk, but it's kind of at the same time, like, I'm I'm not qualified to make these decisions.","start":3436.32,"end":3447.065,"sentiment":"neutral","sentiment_score":-0.1268704759755305},{"text":"I'm just speaking as a human who's, like, going, well, that what's going on around the world?","start":3447.065,"end":3453.165,"sentiment":"neutral","sentiment_score":-0.021855297991458106}],"sentiment":"neutral","sentiment_score":-0.10749332782708937,"num_words":72,"start":3430.085,"end":3453.165},{"sentences":[{"text":"Pardon?","start":3453.945,"end":3454.445,"sentiment":"neutral","sentiment_score":-0.10217438638210297},{"text":"So it's like it's like kind of educated educated high risk.","start":3454.905,"end":3459.9001,"sentiment":"neutral","sentiment_score":-0.10147993537512692},{"text":"High risk is like, okay.","start":3459.9001,"end":3461.18,"sentiment":"neutral","sentiment_score":-0.1191792793571949},{"text":"Well, yeah, that's sort of smart.","start":3461.18,"end":3462.7,"sentiment":"neutral","sentiment_score":0.1088583196202914},{"text":"Like, that sort of makes sense.","start":3462.7,"end":3464.24,"sentiment":"neutral","sentiment_score":0.09011162258684635}],"sentiment":"neutral","sentiment_score":-0.021397600656953352,"num_words":29,"start":3453.945,"end":3464.24},{"sentences":[{"text":"Not just high risk because, oh, wow.","start":3464.7,"end":3466.7,"sentiment":"neutral","sentiment_score":-0.11438997409173421},{"text":"So and so says, you know, like, let's go and, you know you know, it says that they've got great ideas for shit.","start":3466.7,"end":3474.795,"sentiment":"neutral","sentiment_score":-0.05079304175856321},{"text":"Yeah.","start":3474.935,"end":3475.335,"sentiment":"neutral","sentiment_score":-0.08729465305805206},{"text":"No.","start":3475.335,"end":3475.815,"sentiment":"neutral","sentiment_score":-0.1966799646615982},{"text":"I'm not a crypto girl.","start":3475.815,"end":3477.595,"sentiment":"neutral","sentiment_score":-0.15472985804080963}],"sentiment":"neutral","sentiment_score":-0.0817998293787241,"num_words":37,"start":3464.7,"end":3477.595},{"sentences":[{"text":"Mhmm.","start":3480.135,"end":3480.635,"sentiment":"neutral","sentiment_score":0.003521963022649288},{"text":"Do you see what I mean?","start":3481.415,"end":3482.615,"sentiment":"neutral","sentiment_score":0.013339083020885786},{"text":"So yeah.","start":3482.615,"end":3483.39,"sentiment":"neutral","sentiment_score":0.042640483006834984},{"text":"Yeah.","start":3488.51,"end":3489.01,"sentiment":"neutral","sentiment_score":0.08335406333208084},{"text":"High growth with high growth with supportive evidence behind it.","start":3489.23,"end":3493.3098,"sentiment":"neutral","sentiment_score":0.1525041077286005}],"sentiment":"neutral","sentiment_score":0.088861628388986,"num_words":20,"start":3480.135,"end":3493.3098},{"sentences":[{"text":"So it's kind of like, well, that makes a lot of sense over my whole lifetime of experience.","start":3493.3098,"end":3497.65,"sentiment":"neutral","sentiment_score":0.13765647427903283},{"text":"That makes sense.","start":3497.7898,"end":3498.615,"sentiment":"neutral","sentiment_score":0.15406250208616257},{"text":"But don't come at me with with, yeah, with crypto and kind of that sort of shit because I'm like, no.","start":3498.695,"end":3506.395,"sentiment":"neutral","sentiment_score":-0.10373728367544356},{"text":"Yeah.","start":3510.615,"end":3511.015,"sentiment":"neutral","sentiment_score":-0.0850280225276947},{"text":"Totally.","start":3511.015,"end":3511.515,"sentiment":"neutral","sentiment_score":-0.14541694521903992}],"sentiment":"neutral","sentiment_score":0.012069911780682478,"num_words":44,"start":3493.3098,"end":3511.515},{"sentences":[{"text":"It's gamble.","start":3512.7402,"end":3513.4602,"sentiment":"neutral","sentiment_score":-0.11133917421102524},{"text":"It's a gamble.","start":3513.4602,"end":3514.28,"sentiment":"neutral","sentiment_score":-0.08005509773890178},{"text":"I'm I'm a high risk with good evidence.","start":3515.3801,"end":3518.84,"sentiment":"neutral","sentiment_score":-0.1789618320763111},{"text":"I'm not a gambler.","start":3519.3,"end":3520.6,"sentiment":"neutral","sentiment_score":-0.23959199339151382},{"text":"Thank you.","start":3525.3,"end":3526.12,"sentiment":"neutral","sentiment_score":0.2785091698169708}],"sentiment":"neutral","sentiment_score":-0.12083620695691359,"num_words":19,"start":3512.7402,"end":3526.12},{"sentences":[{"text":"Yeah.","start":3528.345,"end":3528.825,"sentiment":"neutral","sentiment_score":0.189146488904953},{"text":"K.","start":3528.825,"end":3529.325,"sentiment":"neutral","sentiment_score":0.11425890773534776},{"text":"Thank you.","start":3533.225,"end":3534.045,"sentiment":"neutral","sentiment_score":0.14193052053451538},{"text":"Do you wanna know what?","start":3543.0698,"end":3545.47,"sentiment":"neutral","sentiment_score":-0.01339364293962717},{"text":"I haven't actually received the newsletter.","start":3545.47,"end":3547.41,"sentiment":"neutral","sentiment_score":-0.16014808664719263}],"sentiment":"neutral","sentiment_score":-0.02937268645813068,"num_words":15,"start":3528.345,"end":3547.41},{"sentences":[{"text":"It must be going straight through to my junk.","start":3547.47,"end":3549.47,"sentiment":"neutral","sentiment_score":-0.2914013730155097},{"text":"I've looked for it, but I have not seen it.","start":3549.47,"end":3551.63,"sentiment":"neutral","sentiment_score":-0.1565443016588688},{"text":"And that is probably why I'm complaining about my lack of, like, lack of, what do you call it, lack of, yeah, comms as well because I haven't seen it come through.","start":3551.63,"end":3565.425,"sentiment":"neutral","sentiment_score":-0.14318229816854},{"text":"No.","start":3568.7,"end":3569.0999,"sentiment":"neutral","sentiment_score":-0.1587664783000946},{"text":"It hasn't changed.","start":3569.0999,"end":3569.98,"sentiment":"neutral","sentiment_score":-0.13525546342134476}],"sentiment":"neutral","sentiment_score":-0.16971675970337607,"num_words":55,"start":3547.47,"end":3569.98},{"sentences":[{"text":"But what's it coming through as?","start":3569.98,"end":3571.5798,"sentiment":"neutral","sentiment_score":-0.061415361861387886},{"text":"Because, like, this is k e w n e g y.","start":3571.5798,"end":3580.0,"sentiment":"neutral","sentiment_score":-0.023491240783848545},{"text":"Yep.","start":3580.22,"end":3580.72,"sentiment":"neutral","sentiment_score":-0.00007238363468786702},{"text":"At hot mail dot com.","start":3581.02,"end":3582.435,"sentiment":"neutral","sentiment_score":-0.008401799388229847},{"text":"Can I have a what would it look like?","start":3583.395,"end":3585.5552,"sentiment":"neutral","sentiment_score":-0.031000179549058277}],"sentiment":"neutral","sentiment_score":-0.029624338009625717,"num_words":32,"start":3569.98,"end":3585.5552},{"sentences":[{"text":"What would I be looking for?","start":3585.5552,"end":3586.995,"sentiment":"neutral","sentiment_score":-0.048913840825359024},{"text":"What does it say?","start":3586.995,"end":3588.215,"sentiment":"neutral","sentiment_score":-0.0016036040615290403},{"text":"Is it just okay.","start":3588.435,"end":3591.185,"sentiment":"neutral","sentiment_score":0.020258226548321545},{"text":"Okay.","start":3595.25,"end":3595.75,"sentiment":"neutral","sentiment_score":0.11103476583957672},{"text":"I received yeah.","start":3611.915,"end":3616.735,"sentiment":"neutral","sentiment_score":0.03593399872382482}],"sentiment":"neutral","sentiment_score":-1.5440552184979122e-6,"num_words":18,"start":3585.5552,"end":3616.735},{"sentences":[{"text":"Okay.","start":3616.795,"end":3617.275,"sentiment":"neutral","sentiment_score":0.10852020233869553},{"text":"It's showing a bit.","start":3617.275,"end":3618.235,"sentiment":"neutral","sentiment_score":0.11585417948663235},{"text":"Okay.","start":3618.235,"end":3618.635,"sentiment":"neutral","sentiment_score":0.07568080723285675},{"text":"So where is this going?","start":3618.635,"end":3619.935,"sentiment":"neutral","sentiment_score":0.050323080644011496},{"text":"I'm just looking.","start":3619.995,"end":3620.795,"sentiment":"neutral","sentiment_score":0.011641406764586767}],"sentiment":"neutral","sentiment_score":0.0667255250737071,"num_words":14,"start":3616.795,"end":3620.795},{"sentences":[{"text":"I've just, like, done a massive search on my phone.","start":3620.795,"end":3623.455,"sentiment":"neutral","sentiment_score":0.025277527049183846},{"text":"And I'm and I'm I think it's it's been going into must be going okay.","start":3624.875,"end":3631.85,"sentiment":"neutral","sentiment_score":0.003558890405111015},{"text":"No.","start":3631.85,"end":3632.25,"sentiment":"neutral","sentiment_score":-0.08608804643154144},{"text":"That's a 05/20/2025, 08/10/2022, 03/26/2026.","start":3632.25,"end":3646.645,"sentiment":"neutral","sentiment_score":-0.05438183918595314},{"text":"Oh, no.","start":3647.265,"end":3647.665,"sentiment":"neutral","sentiment_score":-0.10740209370851517}],"sentiment":"neutral","sentiment_score":-0.00808008494575254,"num_words":33,"start":3620.795,"end":3647.665},{"sentences":[{"text":"That's that's gone to quarter forty eight of August.","start":3647.665,"end":3653.79,"sentiment":"neutral","sentiment_score":-0.12506551378303105},{"text":"I think I'm really getting that one, maybe one oh, gosh.","start":3653.79,"end":3660.35,"sentiment":"neutral","sentiment_score":-0.15098925138061697},{"text":"Doesn't look very regular here.","start":3660.35,"end":3662.1301,"sentiment":"neutral","sentiment_score":-0.1578688770532608},{"text":"40 eight of August, 11/17/2025.","start":3663.1501,"end":3666.945,"sentiment":"neutral","sentiment_score":-0.037089471146464346},{"text":"But not and the only thing I've received this year is the twenty sixth annual review from Whitland Smith's quarter summary on the March 26, but that went to quarter.","start":3666.945,"end":3679.845,"sentiment":"neutral","sentiment_score":-0.025237450019146006}],"sentiment":"neutral","sentiment_score":-0.07530644384678453,"num_words":60,"start":3647.665,"end":3679.845},{"sentences":[{"text":"Looks like things have been yeah.","start":3681.48,"end":3683.72,"sentiment":"neutral","sentiment_score":-0.06177615560591221},{"text":"I will have to change it so that it comes up in my email.","start":3683.72,"end":3687.42,"sentiment":"neutral","sentiment_score":-0.01127991093588727},{"text":"Yeah.","start":3699.7449,"end":3700.2449,"sentiment":"neutral","sentiment_score":-0.021114621311426163},{"text":"Yeah.","start":3700.4648,"end":3700.625,"sentiment":"neutral","sentiment_score":-0.04047601670026779},{"text":"I don't know.","start":3700.625,"end":3701.265,"sentiment":"neutral","sentiment_score":-0.10585524638493855}],"sentiment":"neutral","sentiment_score":-0.03630928255617619,"num_words":25,"start":3681.48,"end":3701.265},{"sentences":[{"text":"Okay.","start":3701.265,"end":3701.765,"sentiment":"neutral","sentiment_score":-0.039005208760499954},{"text":"Thank you.","start":3703.345,"end":3704.1648,"sentiment":"neutral","sentiment_score":0.24711791425943375},{"text":"Great.","start":3704.4648,"end":3704.9648,"sentiment":"neutral","sentiment_score":0.24065053462982175},{"text":"Yeah.","start":3720.1702,"end":3720.6702,"sentiment":"neutral","sentiment_score":0.057326868176460266},{"text":"I have.","start":3720.73,"end":3721.3901,"sentiment":"neutral","sentiment_score":0.051199961453676224}],"sentiment":"neutral","sentiment_score":0.12222970649600029,"num_words":7,"start":3701.265,"end":3721.3901},{"sentences":[{"text":"No.","start":3737.1501,"end":3737.6501,"sentiment":"neutral","sentiment_score":-0.06940352916717529},{"text":"I haven't.","start":3737.79,"end":3738.37,"sentiment":"neutral","sentiment_score":-0.0787135548889637},{"text":"No.","start":3738.59,"end":3739.09,"sentiment":"neutral","sentiment_score":-0.050168201327323914},{"text":"Okay.","start":3763.525,"end":3764.025,"sentiment":"neutral","sentiment_score":0.16849903762340546},{"text":"Yes.","start":3790.995,"end":3791.495,"sentiment":"neutral","sentiment_score":0.024075424298644062}],"sentiment":"neutral","sentiment_score":-0.014070729725062847,"num_words":6,"start":3737.1501,"end":3791.495},{"sentences":[{"text":"Yeah.","start":3802.78,"end":3803.28,"sentiment":"neutral","sentiment_score":0.03155195713043213},{"text":"Yeah.","start":3820.155,"end":3820.655,"sentiment":"neutral","sentiment_score":0.11287029087543488},{"text":"Okay.","start":3836.26,"end":3836.76,"sentiment":"neutral","sentiment_score":0.04732276126742363},{"text":"Yep.","start":3842.675,"end":3843.175,"sentiment":"neutral","sentiment_score":0.26902490854263306},{"text":"Okay.","start":3885.32,"end":3885.82,"sentiment":"neutral","sentiment_score":0.036522142589092255}],"sentiment":"neutral","sentiment_score":0.09945841208100319,"num_words":5,"start":3802.78,"end":3885.82},{"sentences":[{"text":"It's something I'm open to, but it's something that I'm not so it's something that I don't have my head around.","start":3891.835,"end":3901.995,"sentiment":"neutral","sentiment_score":-0.034427864222033394},{"text":"To be fair, I have not yet.","start":3901.995,"end":3904.38,"sentiment":"neutral","sentiment_score":-0.06422070839575358},{"text":"I don't no.","start":3904.38,"end":3905.3398,"sentiment":"neutral","sentiment_score":-0.07586744676033656},{"text":"I found that.","start":3905.3398,"end":3905.9,"sentiment":"neutral","sentiment_score":-0.060967074086268745},{"text":"Okay.","start":3905.9,"end":3906.2998,"sentiment":"neutral","sentiment_score":0.1268184334039688}],"sentiment":"neutral","sentiment_score":-0.0416061496162521,"num_words":35,"start":3891.835,"end":3906.2998},{"sentences":[{"text":"That sounds great.","start":3906.2998,"end":3907.0999,"sentiment":"positive","sentiment_score":0.4706179400285085},{"text":"It sounds like it's minimizing a whole lot of admin and time.","start":3907.0999,"end":3911.8398,"sentiment":"neutral","sentiment_score":0.23560313197473684},{"text":"It's right with the time saving.","start":3912.14,"end":3914.0,"sentiment":"neutral","sentiment_score":0.27310288200775784},{"text":"So therefore, it's allowing you to opt out of a portfolio or change a fund ASAP rather than having to wait for all of the the reviews and the emails and the sign offs and the authorizations, you can actually do it quicker and before things change or fall dramatically.","start":3914.22,"end":3941.19,"sentiment":"neutral","sentiment_score":0.17844150945544243},{"text":"Is that what you sort of mean?","start":3941.33,"end":3942.95,"sentiment":"neutral","sentiment_score":0.0656586651291166}],"sentiment":"neutral","sentiment_score":0.19563326698083144,"num_words":78,"start":3906.2998,"end":3942.95},{"sentences":[{"text":"Okay.","start":3945.045,"end":3945.445,"sentiment":"neutral","sentiment_score":0.07245108485221863},{"text":"Well, I'm good.","start":3945.445,"end":3949.785,"sentiment":"neutral","sentiment_score":0.05184314772486687},{"text":"Mhmm.","start":3959.605,"end":3959.8174,"sentiment":"neutral","sentiment_score":0.04533956199884415},{"text":"Yep.","start":3959.8174,"end":3960.03,"sentiment":"neutral","sentiment_score":0.10022926330566406},{"text":"Yeah.","start":3970.59,"end":3971.09,"sentiment":"neutral","sentiment_score":0.09779737889766692}],"sentiment":"neutral","sentiment_score":0.06733524746128491,"num_words":7,"start":3945.045,"end":3971.09},{"sentences":[{"text":"Yes.","start":3980.7449,"end":3981.2449,"sentiment":"neutral","sentiment_score":0.15887778997421265},{"text":"Yeah.","start":3997.01,"end":3997.51,"sentiment":"positive","sentiment_score":0.36719852685928345},{"text":"Yeah.","start":4002.825,"end":4003.325,"sentiment":"positive","sentiment_score":0.4288003444671631},{"text":"Because that's the estimate and, again, like, all that sort of stuff, it's great when you got someone that's all over your portfolio and doing it and looking at it and on top of it.","start":4004.9849,"end":4012.9849,"sentiment":"positive","sentiment_score":0.4519221576196807},{"text":"You know?","start":4012.9849,"end":4013.565,"sentiment":"neutral","sentiment_score":0.05922495201230049}],"sentiment":"positive","sentiment_score":0.4222650520503521,"num_words":40,"start":3980.7449,"end":4013.565},{"sentences":[{"text":"But it's not good if it's sort of just not being if it's you know what I mean?","start":4013.785,"end":4019.73,"sentiment":"neutral","sentiment_score":-0.2311559876220094},{"text":"It's only as good as the person managing it.","start":4019.73,"end":4021.91,"sentiment":"neutral","sentiment_score":-0.04930703548921479},{"text":"Like like like on software.","start":4023.3298,"end":4025.1099,"sentiment":"neutral","sentiment_score":0.02184695526957512},{"text":"You know what I mean?","start":4025.25,"end":4025.65,"sentiment":"neutral","sentiment_score":-0.012997624278068543},{"text":"Like, if it's sort of sitting there, it's not gonna if if someone's not quick to jump on it, then it's not gonna do anything.","start":4025.65,"end":4032.615,"sentiment":"neutral","sentiment_score":-0.06468361454550177}],"sentiment":"neutral","sentiment_score":-0.09963572266579215,"num_words":62,"start":4013.785,"end":4032.615},{"sentences":[{"text":"But if you're really quick at it, then it makes all the sense in the world to be able to action it immediately and and beat the fall or hit all the rides or whatever it is that you're trying to catch.","start":4033.315,"end":4044.95,"sentiment":"neutral","sentiment_score":0.19338750697317578},{"text":"Do you know what I'm trying to say?","start":4045.41,"end":4046.45,"sentiment":"neutral","sentiment_score":-0.06421663193032146},{"text":"Because I'm not a I'm not I'm not qualified in any way at all to talk your language.","start":4046.45,"end":4050.63,"sentiment":"neutral","sentiment_score":-0.2768398705455992},{"text":"I have no idea what I'm saying, but I know what I mean.","start":4052.53,"end":4054.8699,"sentiment":"neutral","sentiment_score":-0.1749442575069574},{"text":"Pardon?","start":4060.295,"end":4060.795,"sentiment":"neutral","sentiment_score":-0.16629061102867126}],"sentiment":"neutral","sentiment_score":0.0022543732803769227,"num_words":82,"start":4033.315,"end":4060.795},{"sentences":[{"text":"Alright.","start":4075.27,"end":4075.77,"sentiment":"neutral","sentiment_score":0.24717426300048828},{"text":"Okay.","start":4076.47,"end":4076.97,"sentiment":"positive","sentiment_score":0.3438672125339508},{"text":"Okay.","start":4087.635,"end":4088.035,"sentiment":"neutral","sentiment_score":0.2246538996696472},{"text":"Thank you.","start":4088.035,"end":4088.855,"sentiment":"positive","sentiment_score":0.37337563931941986},{"text":"Yes.","start":4104.78,"end":4105.28,"sentiment":"neutral","sentiment_score":0.019423898309469223}],"sentiment":"neutral","sentiment_score":0.2636450920253992,"num_words":6,"start":4075.27,"end":4105.28},{"sentences":[{"text":"Yep.","start":4106.2197,"end":4106.7197,"sentiment":"neutral","sentiment_score":0.08374696969985962},{"text":"I think it's about 1.6, 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an older one now, and our small car is probably worth 5.","start":4181.735,"end":4192.03,"sentiment":"neutral","sentiment_score":-0.00454124715179205}],"sentiment":"neutral","sentiment_score":-0.0011652452280608622,"num_words":41,"start":4177.335,"end":4192.03},{"sentences":[{"text":"Yeah.","start":4194.09,"end":4194.59,"sentiment":"neutral","sentiment_score":-0.15669819712638855},{"text":"Yeah.","start":4195.61,"end":4196.11,"sentiment":"neutral","sentiment_score":-0.03788549825549126},{"text":"Caravan.","start":4197.61,"end":4198.09,"sentiment":"neutral","sentiment_score":-0.017434263601899147},{"text":"We've just got all the camping gear.","start":4198.09,"end":4199.4497,"sentiment":"neutral","sentiment_score":0.13710892626217433},{"text":"We don't have anywhere to store our caravan at the minute we sold it.","start":4199.4497,"end":4204.565,"sentiment":"neutral","sentiment_score":0.0864109004448567}],"sentiment":"neutral","sentiment_score":0.08156238046164314,"num_words":24,"start":4194.09,"end":4204.565},{"sentences":[{"text":"Oh, I've already factored all of that in.","start":4214.5903,"end":4216.77,"sentiment":"neutral","sentiment_score":0.11040353216230869},{"text":"I always got, like, yeah, $1,500 in a boat, half the half in a small sailboat.","start":4217.31,"end":4222.37,"sentiment":"neutral","sentiment_score":0.07986765820533037},{"text":"All of our yeah.","start":4223.71,"end":4225.39,"sentiment":"neutral","sentiment_score":0.06477388925850391},{"text":"We've got assets, like, you know, stuff like, you know, jewelry and stuff, but I'm not gonna bother with accounting for that.","start":4225.39,"end":4233.245,"sentiment":"neutral","sentiment_score":0.025661560029468754},{"text":"That's fine.","start":4233.245,"end":4234.065,"sentiment":"neutral","sentiment_score":0.15113503485918045}],"sentiment":"neutral","sentiment_score":0.0632121295381624,"num_words":52,"start":4214.5903,"end":4234.065},{"sentences":[{"text":"That's yeah.","start":4234.365,"end":4235.4253,"sentiment":"neutral","sentiment_score":0.1566062867641449},{"text":"No.","start":4241.9653,"end":4242.4453,"sentiment":"neutral","sentiment_score":-0.09867732226848602},{"text":"It's only small, probably worth that.","start":4242.4453,"end":4245.165,"sentiment":"neutral","sentiment_score":-0.11722669129570325},{"text":"Yeah.","start":4245.165,"end":4245.565,"sentiment":"neutral","sentiment_score":-0.005630200728774071},{"text":"I'd because that we've gone half, it's probably it's a more small trailer 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minute.","start":4254.38,"end":4256.96,"sentiment":"neutral","sentiment_score":-0.0504970049055723}],"sentiment":"neutral","sentiment_score":-0.01689435063599376,"num_words":32,"start":4249.1797,"end":4256.96},{"sentences":[{"text":"Don't even count it.","start":4258.6997,"end":4260.08,"sentiment":"neutral","sentiment_score":-0.019992277957499027},{"text":"Yeah.","start":4260.7954,"end":4261.2954,"sentiment":"neutral","sentiment_score":0.025935620069503784},{"text":"Mhmm.","start":4263.595,"end":4264.095,"sentiment":"neutral","sentiment_score":-0.01078708842396736},{"text":"Like what?","start":4267.595,"end":4268.395,"sentiment":"neutral","sentiment_score":-0.03131179325282574},{"text":"Like, sort of no.","start":4268.395,"end":4270.7954,"sentiment":"neutral","sentiment_score":-0.0668675322085619}],"sentiment":"neutral","sentiment_score":-0.032909524627029896,"num_words":12,"start":4258.6997,"end":4270.7954},{"sentences":[{"text":"See, that's the thing.","start":4270.7954,"end":4271.6753,"sentiment":"neutral","sentiment_score":-0.0584477623924613},{"text":"We don't have any other assets or anything like that.","start":4271.6753,"end":4274.315,"sentiment":"neutral","sentiment_score":-0.0841161236166954},{"text":"We've just lived without a simple life.","start":4274.315,"end":4276.29,"sentiment":"neutral","sentiment_score":-0.16993956906454905},{"text":"We did have a lot, and now we've we've sold we've sold them all and just wanted to keep, yeah, very simple.","start":4278.29,"end":4285.91,"sentiment":"neutral","sentiment_score":0.17421448908068918},{"text":"Mhmm.","start":4288.85,"end":4289.35,"sentiment":"neutral","sentiment_score":-0.10818979144096376}],"sentiment":"neutral","sentiment_score":0.03318181134421717,"num_words":44,"start":4270.7954,"end":4289.35},{"sentences":[{"text":"I can't.","start":4291.055,"end":4291.615,"sentiment":"neutral","sentiment_score":-0.1523558273911476},{"text":"This dress?","start":4291.615,"end":4292.435,"sentiment":"neutral","sentiment_score":-0.09064888395369053},{"text":"Yeah.","start":4293.7754,"end":4294.2554,"sentiment":"neutral","sentiment_score":-0.02866988629102707},{"text":"This dress.","start":4294.2554,"end":4295.075,"sentiment":"neutral","sentiment_score":-0.037625934928655624},{"text":"Look.","start":4295.6953,"end":4296.015,"sentiment":"neutral","sentiment_score":-0.01587800495326519}],"sentiment":"neutral","sentiment_score":-0.07572614797390997,"num_words":8,"start":4291.055,"end":4296.015},{"sentences":[{"text":"Yeah.","start":4296.015,"end":4296.515,"sentiment":"neutral","sentiment_score":-0.014685837551951408},{"text":"Mhmm.","start":4296.6553,"end":4297.1553,"sentiment":"neutral","sentiment_score":-0.01632102020084858},{"text":"Wow.","start":4298.095,"end":4298.595,"sentiment":"neutral","sentiment_score":-0.015549495816230774},{"text":"Yep.","start":4303.5,"end":4304.0,"sentiment":"neutral","sentiment_score":-0.0729718953371048},{"text":"No.","start":4307.2603,"end":4307.7603,"sentiment":"neutral","sentiment_score":0.0335964635014534}],"sentiment":"neutral","sentiment_score":-0.01718635708093643,"num_words":5,"start":4296.015,"end":4307.7603},{"sentences":[{"text":"Very healthy.","start":4307.9,"end":4308.72,"sentiment":"neutral","sentiment_score":0.2058100700378418},{"text":"That's the next thing.","start":4315.18,"end":4316.48,"sentiment":"neutral","sentiment_score":0.08899983391165733},{"text":"That's the next thing.","start":4317.935,"end":4318.515,"sentiment":"neutral","sentiment_score":0.08728366438299417},{"text":"Yeah.","start":4319.8555,"end":4320.3555,"sentiment":"neutral","sentiment_score":0.13390401005744934},{"text":"Yep.","start":4333.67,"end":4334.07,"sentiment":"neutral","sentiment_score":0.1847856044769287}],"sentiment":"neutral","sentiment_score":0.1196203123157223,"num_words":12,"start":4307.9,"end":4334.07},{"sentences":[{"text":"Go for it.","start":4334.07,"end":4334.87,"sentiment":"neutral","sentiment_score":0.297450731197993},{"text":"But at the same time, we'll probably I know that, like, the first life saving and all those sort of things, they do free wheels and all that stuff.","start":4334.87,"end":4342.15,"sentiment":"neutral","sentiment_score":0.18487773450284167},{"text":"So I should probably do it like that, possibly.","start":4342.15,"end":4344.15,"sentiment":"neutral","sentiment_score":0.24944903784328037},{"text":"I'm not sure.","start":4344.15,"end":4344.855,"sentiment":"neutral","sentiment_score":-0.06399395068486531},{"text":"That was very straightforward.","start":4345.335,"end":4346.555,"sentiment":"neutral","sentiment_score":0.08884860575199127}],"sentiment":"neutral","sentiment_score":0.180463758452485,"num_words":48,"start":4334.07,"end":4346.555},{"sentences":[{"text":"Yeah.","start":4347.735,"end":4348.235,"sentiment":"neutral","sentiment_score":0.09307797253131866},{"text":"Thank you.","start":4349.175,"end":4349.995,"sentiment":"neutral","sentiment_score":0.3200148046016693},{"text":"Yeah.","start":4351.335,"end":4351.835,"sentiment":"positive","sentiment_score":0.33370858430862427},{"text":"Thank you.","start":4351.975,"end":4352.795,"sentiment":"positive","sentiment_score":0.4354851692914963},{"text":"Yeah.","start":4367.39,"end":4367.71,"sentiment":"neutral","sentiment_score":0.06396971642971039}],"sentiment":"neutral","sentiment_score":0.2859651744365692,"num_words":7,"start":4347.735,"end":4367.71},{"sentences":[{"text":"I've been doing quite a lot.","start":4367.71,"end":4369.25,"sentiment":"neutral","sentiment_score":0.06788922597964604},{"text":"Yeah.","start":4369.79,"end":4370.1104,"sentiment":"neutral","sentiment_score":0.029733818024396896},{"text":"No.","start":4370.1104,"end":4370.5903,"sentiment":"neutral","sentiment_score":0.011417616158723831},{"text":"I've been doing quite a lot.","start":4370.5903,"end":4371.95,"sentiment":"neutral","sentiment_score":0.18586816638708115},{"text":"But, see, I find that rather than paying someone $90 an hour at the moment to, like, you know, paint and do things that I can do and allow me to be at home full time when my husband comes home, then work on his way.","start":4371.95,"end":4385.995,"sentiment":"neutral","sentiment_score":0.15228445455431938}],"sentiment":"neutral","sentiment_score":0.14281301163136959,"num_words":60,"start":4367.71,"end":4385.995},{"sentences":[{"text":"It just gives us freedom.","start":4385.995,"end":4387.375,"sentiment":"positive","sentiment_score":0.38841978311538694},{"text":"So me working, it's not like I'm not doing anything at home.","start":4388.64,"end":4391.9204,"sentiment":"neutral","sentiment_score":0.04347452241927385},{"text":"I'm painting.","start":4391.9204,"end":4392.64,"sentiment":"neutral","sentiment_score":0.019288653507828712},{"text":"I'm tyleeing.","start":4392.64,"end":4393.3804,"sentiment":"neutral","sentiment_score":0.06901787593960762},{"text":"I've just, yeah, redone our reskinned our back shed and, like, you know, done all the things.","start":4393.52,"end":4399.52,"sentiment":"neutral","sentiment_score":0.07347310487838353}],"sentiment":"neutral","sentiment_score":0.10235392174830563,"num_words":38,"start":4385.995,"end":4399.52},{"sentences":[{"text":"But all these things are happening, and it's, like, makes a massive difference.","start":4399.52,"end":4403.275,"sentiment":"neutral","sentiment_score":0.18252851985968077},{"text":"So I have to that having to redraw on it.","start":4403.275,"end":4405.6953,"sentiment":"neutral","sentiment_score":0.024723321199417114},{"text":"Well, all of us can actually do it.","start":4409.595,"end":4412.315,"sentiment":"neutral","sentiment_score":0.26328304782509804},{"text":"It's really freaking easy.","start":4412.315,"end":4413.835,"sentiment":"positive","sentiment_score":0.4747024569660425},{"text":"You just gotta, like, be bothered and actually, like, have a fair amount of tools available to you as well.","start":4413.835,"end":4420.76,"sentiment":"neutral","sentiment_score":0.02631457378156483}],"sentiment":"neutral","sentiment_score":0.13002672102302312,"num_words":55,"start":4399.52,"end":4420.76},{"sentences":[{"text":"So, you know, if you've got the tools in the names, it's easy, but it's very difficult if you don't have them.","start":4420.76,"end":4426.38,"sentiment":"neutral","sentiment_score":-0.05925900319760496},{"text":"Well, the investment that's it.","start":4431.535,"end":4433.7754,"sentiment":"neutral","sentiment_score":-0.146893011033535},{"text":"To invest in the tools, it's it's like they're expensive.","start":4433.7754,"end":4436.7554,"sentiment":"neutral","sentiment_score":-0.11906177401542664},{"text":"And so if you're going to use them and you can see the value in having them, well, then it's great.","start":4436.975,"end":4442.2397,"sentiment":"neutral","sentiment_score":0.11252332372324807},{"text":"You know?","start":4442.54,"end":4442.86,"sentiment":"neutral","sentiment_score":0.07187199033796787}],"sentiment":"neutral","sentiment_score":-0.01203411811341842,"num_words":60,"start":4420.76,"end":4442.86},{"sentences":[{"text":"Like, it's amazing what you can do with a nail gun and a staple gun and and yeah.","start":4442.86,"end":4448.3,"sentiment":"neutral","sentiment_score":0.31585152198870975},{"text":"No.","start":4448.3,"end":4448.54,"sentiment":"neutral","sentiment_score":0.10965129733085632},{"text":"It's fun.","start":4448.54,"end":4449.36,"sentiment":"neutral","sentiment_score":0.14117006212472916},{"text":"Yeah.","start":4449.42,"end":4449.92,"sentiment":"neutral","sentiment_score":0.10660184919834136},{"text":"Yeah.","start":4450.38,"end":4450.78,"sentiment":"neutral","sentiment_score":0.10930109024047852}],"sentiment":"neutral","sentiment_score":0.27361833725286566,"num_words":23,"start":4442.86,"end":4450.78},{"sentences":[{"text":"Yeah.","start":4450.78,"end":4451.28,"sentiment":"neutral","sentiment_score":0.09690572321414948},{"text":"All you need these days is, like, a couple of like, you need to, like, go, oh, Zita or what what what brand am I gonna use?","start":4451.495,"end":4457.735,"sentiment":"neutral","sentiment_score":0.12446288874855747},{"text":"And you gotta see like, it's a really it's really easy to be able to, like with all the battery charged tools and stuff, like, with the with the, like, rechargeable batteries that are all multi you know, they they all go into the same sort.","start":4457.735,"end":4470.41,"sentiment":"neutral","sentiment_score":0.21129950054961702},{"text":"It's amazing.","start":4470.47,"end":4471.19,"sentiment":"positive","sentiment_score":0.6526941359043121},{"text":"Tools are a lot cheaper, and you can actually do so much more now.","start":4471.19,"end":4474.0903,"sentiment":"positive","sentiment_score":0.518760193671499}],"sentiment":"neutral","sentiment_score":0.24161346364352437,"num_words":90,"start":4450.78,"end":4474.0903},{"sentences":[{"text":"So much easier for females to learn who like crafting.","start":4474.79,"end":4477.45,"sentiment":"neutral","sentiment_score":0.14252021312713622},{"text":"If you can craft, you can do you can do renovating.","start":4477.5103,"end":4480.8647,"sentiment":"neutral","sentiment_score":0.09504160488193686},{"text":"Can't believe it.","start":4485.2446,"end":4486.3647,"sentiment":"neutral","sentiment_score":0.0788202832142512},{"text":"Yeah.","start":4486.3647,"end":4486.8647,"sentiment":"neutral","sentiment_score":0.08980624377727509},{"text":"Believe it.","start":4486.925,"end":4487.8047,"sentiment":"neutral","sentiment_score":0.10093088448047638}],"sentiment":"neutral","sentiment_score":0.1110662461982833,"num_words":27,"start":4474.79,"end":4487.8047},{"sentences":[{"text":"Yeah.","start":4487.8047,"end":4488.3047,"sentiment":"neutral","sentiment_score":0.07257185876369476},{"text":"Yeah.","start":4492.6846,"end":4493.1,"sentiment":"neutral","sentiment_score":0.14624235033988953},{"text":"Yeah.","start":4496.14,"end":4496.64,"sentiment":"neutral","sentiment_score":0.09378889948129654},{"text":"Thank you.","start":4498.22,"end":4499.04,"sentiment":"positive","sentiment_score":0.408039391040802},{"text":"Yeah.","start":4506.14,"end":4506.495,"sentiment":"neutral","sentiment_score":0.06839752197265625}],"sentiment":"neutral","sentiment_score":0.19951323543985686,"num_words":6,"start":4487.8047,"end":4506.495},{"sentences":[{"text":"Yeah.","start":4515.935,"end":4516.415,"sentiment":"neutral","sentiment_score":0.12511180341243744},{"text":"That's fine.","start":4516.415,"end":4517.315,"sentiment":"neutral","sentiment_score":0.2331841066479683},{"text":"I'm free all day Monday.","start":4517.535,"end":4518.835,"sentiment":"neutral","sentiment_score":0.22497347593307496},{"text":"Really into schooling.","start":4520.15,"end":4521.13,"sentiment":"positive","sentiment_score":0.40894301732381183},{"text":"Yeah.","start":4524.63,"end":4525.13,"sentiment":"positive","sentiment_score":0.3627922534942627}],"sentiment":"neutral","sentiment_score":0.2754973918199539,"num_words":12,"start":4515.935,"end":4525.13},{"sentences":[{"text":"Yeah.","start":4528.63,"end":4528.8696,"sentiment":"neutral","sentiment_score":0.16724976897239685},{"text":"Yeah.","start":4528.8696,"end":4529.11,"sentiment":"neutral","sentiment_score":0.13807345926761627},{"text":"Yeah.","start":4529.11,"end":4529.61,"sentiment":"neutral","sentiment_score":0.07097363471984863},{"text":"Yep.","start":4545.105,"end":4545.505,"sentiment":"neutral","sentiment_score":0.06203710287809372},{"text":"That's fine.","start":4545.505,"end":4546.325,"sentiment":"neutral","sentiment_score":0.11802256852388382}],"sentiment":"neutral","sentiment_score":0.11239651714762051,"num_words":6,"start":4528.63,"end":4546.325},{"sentences":[{"text":"Yep.","start":4546.625,"end":4547.125,"sentiment":"neutral","sentiment_score":0.07308076322078705},{"text":"Mhmm.","start":4547.3804,"end":4547.8804,"sentiment":"neutral","sentiment_score":0.053896136581897736},{"text":"Yep.","start":4554.8203,"end":4555.3203,"sentiment":"neutral","sentiment_score":0.021267367526888847},{"text":"Yes, please.","start":4560.3403,"end":4561.3203,"sentiment":"neutral","sentiment_score":0.00016093999147415248},{"text":"Yes, please.","start":4561.7,"end":4562.68,"sentiment":"neutral","sentiment_score":0.049644602462649345}],"sentiment":"neutral","sentiment_score":0.0354079074625458,"num_words":7,"start":4546.625,"end":4562.68},{"sentences":[{"text":"Yep.","start":4569.355,"end":4569.855,"sentiment":"neutral","sentiment_score":0.018117278814315796},{"text":"It's fine.","start":4571.835,"end":4572.635,"sentiment":"neutral","sentiment_score":-0.00662817619740963},{"text":"I haven't yeah.","start":4572.635,"end":4573.935,"sentiment":"neutral","sentiment_score":-0.0576002411544323},{"text":"It'll be fine.","start":4575.1147,"end":4576.0146,"sentiment":"neutral","sentiment_score":0.14973990619182587},{"text":"Yep.","start":4592.975,"end":4593.475,"sentiment":"neutral","sentiment_score":0.16565895080566406}],"sentiment":"neutral","sentiment_score":0.04469388723373413,"num_words":10,"start":4569.355,"end":4593.475},{"sentences":[{"text":"Excellent.","start":4595.215,"end":4595.715,"sentiment":"positive","sentiment_score":0.4871998429298401},{"text":"Sounds great.","start":4597.135,"end":4598.0347,"sentiment":"positive","sentiment_score":0.490433007478714},{"text":"Alright, Katie.","start":4598.735,"end":4599.5347,"sentiment":"neutral","sentiment_score":0.09047608450055122},{"text":"Thank you so much for that.","start":4599.5347,"end":4600.995,"sentiment":"neutral","sentiment_score":0.1616127441326777},{"text":"No.","start":4602.1997,"end":4602.44,"sentiment":"neutral","sentiment_score":-0.09062540531158449}],"sentiment":"neutral","sentiment_score":0.21067242386440435,"num_words":12,"start":4595.215,"end":4602.44},{"sentences":[{"text":"At the moment, all good.","start":4602.44,"end":4603.88,"sentiment":"neutral","sentiment_score":0.048840786516666415},{"text":"Looking forward to, yeah, looking forward to what you come back with, actually.","start":4603.88,"end":4607.1,"sentiment":"neutral","sentiment_score":0.11139394342899323},{"text":"So thank you.","start":4607.1597,"end":4608.62,"sentiment":"neutral","sentiment_score":0.23778886099656424},{"text":"Alright.","start":4609.32,"end":4609.82,"sentiment":"neutral","sentiment_score":0.08782701939344406},{"text":"I will.","start":4613.7197,"end":4614.28,"sentiment":"neutral","sentiment_score":0.13397227227687836}],"sentiment":"neutral","sentiment_score":0.11506097267071407,"num_words":24,"start":4602.44,"end":4614.28},{"sentences":[{"text":"Thank you.","start":4614.28,"end":4615.1,"sentiment":"neutral","sentiment_score":0.2568544000387192},{"text":"Thanks, Anne.","start":4616.04,"end":4616.84,"sentiment":"neutral","sentiment_score":0.31221389025449753},{"text":"Bye.","start":4616.84,"end":4617.34,"sentiment":"neutral","sentiment_score":0.1557367742061615}],"sentiment":"neutral","sentiment_score":0.25877467095851897,"num_words":5,"start":4614.28,"end":4617.34}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Veronica, Equity Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello?\n\nChannel 0: Good morning. Is this Shannon?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from Xfinity Financial. How are you?\n\nChannel 1: Yeah. Good day, Veronica. How are you?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in this morning for a bit of a catch up and to go through your annual review. Is now still a good time for you?\n\nChannel 1: Yep. Let's get it done. It's been\n\nChannel 0: Perfect.\n\nChannel 1: been overdue. Mhmm.\n\nChannel 0: That is all good.\n\nChannel 1: Yep.\n\nChannel 0: Now I know as well that you have spoken to my colleague, Larissa, before.\n\nChannel 1: Yeah.\n\nChannel 0: And I think from the last conversation, you were kind of wanting to hold off a little bit until she sorted out advice for Craig from memory.\n\nChannel 1: Yeah.\n\nChannel 0: Does\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: was\n\nChannel 0: ring\n\nChannel 1: just\n\nChannel 0: a bell?\n\nChannel 1: it was mostly yeah. I just yeah. We just had a very busy beginning of the year, and I sort of wanted\n\nChannel 0: Yeah.\n\nChannel 1: to see how few things played out with regards to, you know, global markets and all that sort of stuff.\n\nChannel 0: Yep.\n\nChannel 1: You know, just everything was just like, I was like, it's a bit hard to try and make big decisions right the minute when we're going through a massive just like the whole petrol thing just kicked off and all that sort of stuff. We're like,\n\nChannel 0: Yes.\n\nChannel 1: not sure what I wanna do just yet.\n\nChannel 0: No. That is all good. That is all good. And now before I do go any fur further, Shannon, I do need to let you know that the calls are being recorded for\n\nChannel 1: Yep.\n\nChannel 0: quality\n\nChannel 1: Yeah.\n\nChannel 0: and coaching\n\nChannel 1: That's\n\nChannel 0: purposes.\n\nChannel 1: fine.\n\nChannel 0: Perfect. And just\n\nChannel 1: Yeah.\n\nChannel 0: for security purposes, just so that I can confirm I am speaking with the right person, could I get you to confirm just your full name, date of birth, and address, please?\n\nChannel 1: Yep. Shannon Dickinson. 20 Martha Street, Beaconfield. 05/28/1976, and O488542466.\n\nChannel 0: Yeah. Perfect. You got your birthday coming up soon. Do you have anything planned?\n\nChannel 1: Yeah. I just had a big fiftieth birthday on the weekend, so big party.\n\nChannel 0: Lovely.\n\nChannel 1: No. No.\n\nChannel 0: Recovering still? Oh,\n\nChannel 1: Yeah. Correct.\n\nChannel 0: no. Yeah.\n\nChannel 1: Yeah. Still cover recovering. We sort of, yeah, put that that was sort of a bit of a reason I had yes. There's so much going on\n\nChannel 0: Yeah.\n\nChannel 1: in the later, but it was like, okay.\n\nChannel 0: Yeah.\n\nChannel 1: I will 100% look at tax and lease afterwards.\n\nChannel 0: Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: sometimes that's it. So, like, a lot is happening, and we can always you know, I totally understand that too, that there are periods of time where it just thinks a bit crazy. We can always push it out and stuff. We can\n\nChannel 1: Yeah.\n\nChannel 0: obviously work with work with that. That is no problem.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: No. That's all good. Now what I will do first with you there, Shannon, is just to run through a bit of a updated fact find just to\n\nChannel 1: What\n\nChannel 0: see if\n\nChannel 1: was\n\nChannel 0: there\n\nChannel 1: that? Sorry.\n\nChannel 0: is\n\nChannel 1: A what?\n\nChannel 0: yeah. So I will just run through a bit of an updated fact find with you.\n\nChannel 1: Oh, yes. Thank you.\n\nChannel 0: Basically,\n\nChannel 1: Mhmm.\n\nChannel 0: yeah, just running through your information to see if there's anything major that has changed and if we do need to make any changes to your advice at all.\n\nChannel 1: Yep. I'm\n\nChannel 0: So\n\nChannel 1: not\n\nChannel 0: just\n\nChannel 1: working\n\nChannel 0: kind\n\nChannel 1: at\n\nChannel 0: of\n\nChannel 1: the\n\nChannel 0: bear\n\nChannel 1: moment.\n\nChannel 0: with me. No. That's okay. So it might be good for us to do a bit of an updated strategy for you just to see where things are at anyway.\n\nChannel 1: Correct. Yes.\n\nChannel 0: Good to do, especially\n\nChannel 1: I'm\n\nChannel 0: it's\n\nChannel 1: sure\n\nChannel 0: been\n\nChannel 1: I'm\n\nChannel 0: some\n\nChannel 1: paying\n\nChannel 0: time.\n\nChannel 1: lots of taxes and stuff, like, income tax. I don't know. Not income tax. Sorry. What do you call it?\n\nNot sure if I'm paying insurances and stuff for things that I'm not\n\nChannel 0: Yes.\n\nChannel 1: doing\n\nChannel 0: You are. So let me we'll go through everything. And then I think what we should do, especially with if you're not working, obviously, and because it's obviously been a bit with the market the last twelve months, I\n\nChannel 1: yep.\n\nChannel 0: think it is good for me to go and do do a bit of an updated strategy for you after today.\n\nChannel 1: Yep.\n\nChannel 0: It will take me about a week or two to put it all together, and it is a good just kind of touching point to see, okay. Well, do we wanna make any changes to investment depending what's happening? And, also, everything else, touch base with insurances and see what you\n\nChannel 1: Can\n\nChannel 0: wanna\n\nChannel 1: I just\n\nChannel 0: do so we can\n\nChannel 1: yeah? Can I just ask, like, when everything\n\nChannel 0: of course.\n\nChannel 1: like, the and Big Rose and White didn't wanna change anything? The last time\n\nChannel 0: Yeah.\n\nChannel 1: when they were sort of rang was because everything just had just totally plummeted. And\n\nChannel 0: Yes.\n\nChannel 1: it was kind of like, well, to sell everything, that's had an absolute way. Okay. Yeah. You might be\n\nChannel 0: Yeah.\n\nChannel 1: buying other things at an absolute way. But if everybody's dumping and buying, then, you know, if something's cheaper and something's more expensive, it's kind\n\nChannel 0: Yes.\n\nChannel 1: of like a do you wait for it to plateau a little bit and just ride it for five you know, just until\n\nChannel 0: Yeah.\n\nChannel 1: it's sort of you know, which I think was the smartest thing to do if it was done\n\nChannel 0: Yes.\n\nChannel 1: because things are sort of, you know, regulating have regulated\n\nChannel 0: Yes.\n\nChannel 1: well, stabilized\n\nChannel 0: It definitely\n\nChannel 1: slightly.\n\nChannel 0: has.\n\nChannel 1: I'm not one of those ones. I've lived in lived around the block and back a bit enough\n\nChannel 0: Yeah.\n\nChannel 1: to know that things do stabilize. And if you just\n\nChannel 0: Yes.\n\nChannel 1: dump and run like everybody else, then you just sort of, you know, start buying buying at a boom.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: You know? And it's like, well, buying in a boom. Like, why? Just\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: And\n\nChannel 1: Anyway,\n\nChannel 0: it\n\nChannel 1: it's\n\nChannel 0: is good that you do have that understanding as well. That is really good, and it it is very true. And there are obviously, you can never predict what's going to happen with the market, but when we do look at historically as well, like you said as well, long term market always goes up. Short term, there will be some ups and downs and market fluctuations. And if it is a bit of a downtime at the moment, you might not want to change investments or you might not want to change everything.\n\nChannel 1: Or you might just wanna wait, like, wait a couple\n\nChannel 0: So\n\nChannel 1: of weeks for it to just sort of let you know, how you have your massive\n\nChannel 0: stay.\n\nChannel 1: correction.\n\nChannel 0: Yes.\n\nChannel 1: Just wait for it to up.\n\nChannel 0: Yes.\n\nChannel 1: It's like\n\nChannel 0: Exactly.\n\nChannel 1: but don't don't sell it straight away because you're\n\nChannel 0: Yes.\n\nChannel 1: just losing a lot more than you should probably need to. And I don't really feel like I'm in that desperate position that I need to try and sort of, like, you know, need to react in that sort of space. So\n\nChannel 0: Yes.\n\nChannel 1: that was my main reasoning for just holding out, thinking, okay. Well,\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: Craig's changing, and I'm\n\nChannel 0: Yes.\n\nChannel 1: not. So, like, at least,\n\nChannel 0: Yep.\n\nChannel 1: this is, like, hedging our bets.\n\nChannel 0: Yes.\n\nChannel 1: So can I just ask, like because I've\n\nChannel 0: Yeah.\n\nChannel 1: sort of, like, just gone, look, just hold? Because I had all this high risk stuff anyway, and I'm like, oh, man. Well, you know, like, you sell that now. It's gonna be, like, worth zero, like, to buy into, like, whatever. It's kinda you know what I'm saying?\n\nI hope\n\nChannel 0: Yes.\n\nChannel 1: you're hearing what I'm saying. I'm not very good\n\nChannel 0: No.\n\nChannel 1: at\n\nChannel 0: I\n\nChannel 1: explaining\n\nChannel 0: do.\n\nChannel 1: it.\n\nChannel 0: I do\n\nChannel 1: I'm\n\nChannel 0: hear\n\nChannel 1: obviously,\n\nChannel 0: you.\n\nChannel 1: like, recovering from my fidget party, so I'm not really\n\nChannel 0: Yeah.\n\nChannel 1: that bit comatose still too fair. But the so, basically, yeah, where are we at the moment? Where do we stand?\n\nChannel 0: Yeah. So well, I and it is very valid points as well. And some of it, it is definitely true where you do wanna hold off and wait for that to come back around, especially if it's more like your cyclical investments that we do see kind of coming back around. So\n\nChannel 1: This\n\nChannel 0: if\n\nChannel 1: is\n\nChannel 0: we\n\nChannel 1: your high\n\nChannel 0: because\n\nChannel 1: temp.\n\nChannel 0: exactly.\n\nChannel 1: Mhmm.\n\nChannel 0: So we do, obviously, research on all the investments all the time, and we wanna make sure that we do have in the best options at all times. And there are going to be times where investments have potentially underperformed a little bit, and then we have to assess, okay. Well, do we want to sell it when it's down? Do we foresee it coming back around or not? So\n\nChannel 1: Yep.\n\nChannel 0: part of the research I will go and do today, which actually, do you have access to your emails at the moment, Shannon?\n\nChannel 1: I do. Yep. I\n\nChannel 0: Okay.\n\nChannel 1: do.\n\nChannel 0: So what we can start with is I have to send you an email with some documents.\n\nChannel 1: Mhmm.\n\nChannel 0: And if you could have a look at them for me, we can\n\nChannel 1: That was\n\nChannel 0: start\n\nChannel 1: a, like\n\nChannel 0: there.\n\nChannel 1: because see, is that all, like, the advisory fees and all that sort of stuff? Because that the reality was when I first bought into this thing, it was, like, a $3,000 one off fee,\n\nChannel 0: Up\n\nChannel 1: like a\n\nChannel 0: front.\n\nChannel 1: and then\n\nChannel 0: Yep.\n\nChannel 1: and then it was, like, a percentage of of any of the earnings that I made, and\n\nChannel 0: Yes.\n\nChannel 1: you only made 1% earnings, like, the equivalent to 1% earnings over the whole twelve months. So I was like, Jesus. And now you wanna hit me up with another $3,000 fee that was also or another another\n\nChannel 0: Okay.\n\nChannel 1: fee? And I was like, okay. I don't know how I feel about this because\n\nChannel 0: Yeah.\n\nChannel 1: you're not performing. You're now making me pay for the fact that you're not doing a very good job.\n\nChannel 0: Yeah. And I I\n\nChannel 1: And\n\nChannel 0: get\n\nChannel 1: so\n\nChannel 0: that.\n\nChannel 1: that's\n\nChannel 0: And\n\nChannel 1: why I haven't paid for it, to be frank. I'm, like, going, I don't know if I should.\n\nChannel 0: yeah.\n\nChannel 1: So\n\nChannel 0: And I\n\nChannel 1: I really\n\nChannel 0: completely\n\nChannel 1: wanna\n\nChannel 0: hit\n\nChannel 1: before I so before\n\nChannel 0: yeah.\n\nChannel 1: sorry. So before I actually go and\n\nChannel 0: Mhmm.\n\nChannel 1: agree to signing up with you guys for another twelve months and doing all those things and paying extra fees, I wanna see what I'm paying for because, realistically, the his like, the info the what I have paid for, I'm I'm I'm I'm not getting what I I could be going\n\nChannel 0: Seeing\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: should\n\nChannel 0: value.\n\nChannel 1: go to something like Host Plus or Australia Zoo or whatever, and I'd probably be in front.\n\nChannel 0: And it is fair. And with the with the fees as well. Sorry. With the the the upfront fee that you paid, that was that one off fee. That is correct.\n\nNow you will never be charged that again.\n\nChannel 1: Mhmm.\n\nChannel 0: The upfront\n\nChannel 1: Mhmm.\n\nChannel 0: fee was just to come on board to implement everything. Now there is an ongoing advice fee, which you touched on as well. That is correct, And that is a percentage of your balance. Now,\n\nChannel 1: Yeah.\n\nChannel 0: typically,\n\nChannel 1: And if I'm only\n\nChannel 0: that is\n\nChannel 1: making 1% over the year, then, of course, you're not making then it's sort of like, what am I? Do you?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: I want to see the value.\n\nChannel 1: It's\n\nChannel 0: And\n\nChannel 1: concerning.\n\nChannel 0: and yeah. And that is totally fair. So what I what I'm more than happy\n\nChannel 1: Especially\n\nChannel 0: to do\n\nChannel 1: when\n\nChannel 0: for\n\nChannel 1: I didn't\n\nChannel 0: you, Shannon\n\nChannel 1: know that Alan Merceditch, my previous adviser, had left. So I was like, oh, that's interesting. I didn't know he'd gone out on his own. I just was like, okay. This is yeah.\n\nChannel 0: It's communication. Yeah. And\n\nChannel 1: And,\n\nChannel 0: I do\n\nChannel 1: yes,\n\nChannel 0: apologize\n\nChannel 1: I know that\n\nChannel 0: that\n\nChannel 1: I've\n\nChannel 0: you've\n\nChannel 1: been\n\nChannel 0: run\n\nChannel 1: difficult\n\nChannel 0: on hold\n\nChannel 1: to\n\nChannel 0: with\n\nChannel 1: get\n\nChannel 0: that.\n\nChannel 1: a hold of. Sorry. I know that I've been difficult to get a hold of, but I've been difficult to get a hold of because I'm like,\n\nChannel 0: You've been\n\nChannel 1: I'm\n\nChannel 0: a\n\nChannel 1: not\n\nChannel 0: bit yep.\n\nChannel 1: yeah. I'm like, those\n\nChannel 0: I get\n\nChannel 1: are things\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: get\n\nChannel 1: could have\n\nChannel 0: that.\n\nChannel 1: come I could have got something sent in an email. Like, just a prompt or anything. I just wasn't getting that. So I'm like, man,\n\nChannel 0: Yeah.\n\nChannel 1: I haven't been easy to get a hold of too because I haven't wanted to commit because I haven't been impressed.\n\nChannel 0: Yeah. And I get that. And, you know, my job is to help you at the end of the day, help you make the decisions that's best for you, and help you for your super and your retirement. And, obviously, I do apologize that you weren't told that Alan left at the time.\n\nChannel 1: Yep.\n\nChannel 0: That's not you know, that is something you should have been told. And the only thing I can do moving forward is making sure you do get that communication,\n\nChannel 1: So you're\n\nChannel 0: and I\n\nChannel 1: Alan's\n\nChannel 0: will try\n\nChannel 1: replacement.\n\nChannel 0: my best.\n\nChannel 1: Is that right? Are you?\n\nChannel 0: Sorry. I am one of the advisers here, and what what we used to do is have a bit more of a kind of like a floating thing. So all the clients were kind of everyone was working on collectively, and it also meant that someone was always available. So what we've recently changed through as well is where you do kind of have one dedicated adviser that you work with as long as you're obviously happy to do so, and that would also smooth out that communication where you only deal with one person\n\nChannel 1: Mhmm.\n\nChannel 0: moving forward. That person is completely across your situation and and everything for you. And if you have any questions or anything else, you can just come directly to myself.\n\nChannel 1: Right.\n\nChannel 0: So that\n\nChannel 1: Yep.\n\nChannel 0: kind of takes away all of that. And then, also, I can make sure that if I tell you that I'm going to do something, then I can make sure that that will happen, and I have a dedicated admin assistant as well to help me with everything. So I can kind of liaise with them a bit more in that aspect\n\nChannel 1: Yep.\n\nChannel 0: of making sure that you do get that communication. And what I would be more than happy to do, Shannon, is I'll happy to go and do the research for you first, especially don't you deciding anything if you're not happy. And then after I've done all of that, you can obviously assess how you are feeling. Now with the advice fee, I do wanna let you know. So with the ongoing advice fee, it is not a yearly fee.\n\nSo we normally show you the yearly fee, but it is deducted on a monthly basis. So what that also gives you is the flexibility. So it's not like you pay a one off fee once a year, and that's it. It comes out on a monthly basis for you. So even\n\nChannel 1: And\n\nChannel 0: if\n\nChannel 1: can\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: were\n\nChannel 1: ask\n\nChannel 0: to go,\n\nChannel 1: yeah? So how much am I paying at the moment? Like, 1% of the earnings or 1% of my whole balance? Because, like, if my balance is just being\n\nChannel 0: yeah.\n\nChannel 1: chomped away at and you're just getting a 1% fee of my balance, and you really got absolutely no desire or no real motivation to to grow it\n\nChannel 0: To do. Yeah. And so at the moment, your fees are off. So right now, you're not paying anything. So it's only if\n\nChannel 1: because\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: are\n\nChannel 1: haven't\n\nChannel 0: happy\n\nChannel 1: made\n\nChannel 0: to\n\nChannel 1: anything. There's nothing because I have made nothing. And that's why I was like like, that is hectic when it's been a really big year and you've only made 1%. Like, that is scary. Like, why why that was what I understood Alan was gonna be ringing me.\n\nIf there was any, you know, anything of concern, if it wasn't performing, if it wasn't\n\nChannel 0: Yeah.\n\nChannel 1: doing well, then I would be the first to know. And I haven't received\n\nChannel 0: Yeah.\n\nChannel 1: a I haven't received anything from him. Just that\n\nChannel 0: Yeah.\n\nChannel 1: I only get those I would only get those those the standard text message or phone call from I think it was Tara or just the various people who would work. Not just\n\nChannel 0: Yep.\n\nChannel 1: this is not just Alan. It was just, like, from the various administrators who'd ring up to try and book me in for, like, my yearly review.\n\nChannel 0: Yeah.\n\nChannel 1: But there was no contact when there was significant market change saying, hey. I think we need to do this. Hey. You're high performing. You're all in.\n\nYou're in high high yeah. What are they called? High\n\nChannel 0: Yep. High growth?\n\nChannel 1: high yeah. High growth investments, and they're really not doing much for you. Maybe, you know, that is good. Maybe once a quarter, you might get a touch base if you're not\n\nChannel 0: Yeah.\n\nChannel 1: if if you haven't made\n\nChannel 0: Yep.\n\nChannel 1: a certain amount. But if you haven't if you haven't alright. If your assets haven't grown by a certain percent by more than 1% a quarter. You would expect a phone a phone call saying, hey. Look.\n\nYou know, we've been sitting on 1%, like, average growth for the last six months. That's not good. That's that's that's nowhere near a forecasted what we should at least be getting around 8% over twelve months. That's not even\n\nChannel 0: Just\n\nChannel 1: gonna\n\nChannel 0: having\n\nChannel 1: come close to that over the next six months. We're not gonna be able to, like, you know, grow it to to come close to half of where you should be. That's\n\nChannel 0: Yeah.\n\nChannel 1: pretty fucked. I'm so sorry,\n\nChannel 0: That's\n\nChannel 1: Victor. I\n\nChannel 0: fine.\n\nChannel 1: don't really swear. I'm just\n\nChannel 0: No.\n\nChannel 1: like,\n\nChannel 0: That's\n\nChannel 1: this\n\nChannel 0: fine.\n\nChannel 1: is where\n\nChannel 0: That's\n\nChannel 1: I've stuck\n\nChannel 0: fine.\n\nChannel 1: my head in the sand going, what\n\nChannel 0: I\n\nChannel 1: the hell\n\nChannel 0: get\n\nChannel 1: is\n\nChannel 0: it.\n\nChannel 1: going on with my super? I can't look\n\nChannel 0: Yeah.\n\nChannel 1: at it. It's making me feel ill.\n\nChannel 0: Yeah.\n\nChannel 1: And I\n\nChannel 0: And\n\nChannel 1: haven't\n\nChannel 0: that's the\n\nChannel 1: had\n\nChannel 0: absolute last\n\nChannel 1: and\n\nChannel 0: thing\n\nChannel 1: I haven't\n\nChannel 0: I want.\n\nChannel 1: had the chance to actually investigate where I wanna roll out to. And that's the only reason why I haven't actually been in contact because I've just I absolutely been gonna hell no. I'm\n\nChannel 0: Yeah.\n\nChannel 1: not signing back up with you guys.\n\nChannel 0: Yeah.\n\nChannel 1: That it's been a hell no.\n\nChannel 0: Yeah. And and and I get that, and I do really appreciate your honesty as well.\n\nChannel 1: Because I'm 50 now, and I'm like, holy shit. I've got probably close to less than what I've rolled into you guys.\n\nChannel 0: So I can\n\nChannel 1: I'd\n\nChannel 0: have\n\nChannel 1: say\n\nChannel 0: a look here\n\nChannel 1: if\n\nChannel 0: for\n\nChannel 1: you don't\n\nChannel 0: you. So\n\nChannel 1: mind, because I'm like\n\nChannel 0: yes. Of\n\nChannel 1: yeah.\n\nChannel 0: course.\n\nChannel 1: I've just looked\n\nChannel 0: So\n\nChannel 1: away just feeling relatively, like, ill with the whole thing\n\nChannel 0: and that\n\nChannel 1: and just\n\nChannel 0: is the\n\nChannel 1: going\n\nChannel 0: absolute last thing we want. That is the opposite of what I'm trying to achieve\n\nChannel 1: I\n\nChannel 0: for you. That\n\nChannel 1: know.\n\nChannel 0: is the opposite,\n\nChannel 1: I know.\n\nChannel 0: and I don't\n\nChannel 1: I\n\nChannel 0: want\n\nChannel 1: know.\n\nChannel 0: that. So\n\nChannel 1: Of\n\nChannel 0: so\n\nChannel 1: course\n\nChannel 0: what\n\nChannel 1: you don't.\n\nChannel 0: yeah. So what what I can do for you, Shannon, as well is that I will review all your investments in detail for you, review if there is any that is kind of what we touched on a bit more cyclical where is better off holding off or if there is any that is underperforming and we do wanna make a change. And what I will also do is I can so to make it easier for you as well is that I can include a comparison of other options. So\n\nChannel 1: Yeah.\n\nChannel 0: if you so who who was the other funds that you were looking? Because at the end of the day, there is absolutely nothing holding us to Hub twenty four or any super funds. I will recommend whatever is going to be best for you. And if the best thing when I do the research for you is that you will be better off going through host class or Australian Super, wherever it might be, then I will let you know. That is my duty to you and what I am I have to do.\n\nSo if I do research and I show you that what you are currently doing is worse off, then I'm not gonna recommend that for you at the end of the day. So I'll be more than happy to include comparison and showing you, obviously, what if you do go to an industry fund like host plus, then you don't have adviser fees, what are returns looking at, what are all the fees, and then give you that kind of, like, comparison so that you can then make up your mind if you feel like whatever is I'll make a recommendation of what's going to put you in a better position, and then you can decide what you\n\nChannel 1: Yeah.\n\nChannel 0: would like\n\nChannel 1: Because\n\nChannel 0: to do.\n\nChannel 1: I'm definitely\n\nChannel 0: That way\n\nChannel 1: disappointed.\n\nChannel 0: you have more info.\n\nChannel 1: Yeah. Thank you. I appreciate all that. But it's just\n\nChannel 0: That's\n\nChannel 1: like it\n\nChannel 0: okay.\n\nChannel 1: seems like almost extra additional fees for, like, what? Because I had chance that all my money, like, just, like, rolled it over into a where. You know? And then someone just said, oh, where? Where?\n\nWhere? Where? And so then I thought, oh, maybe I need to go to the Viber. And I realized now, if I'd stayed with a where, I would have had no fees, nothing. Would have all done it personally myself, and I'm probably and I would be waiting for the rest.\n\nIt's that's where I'm at. I'm just like, oh, holy\n\nChannel 0: Yeah.\n\nChannel 1: shit. I just don't tell anyone to do it because all this stuff will offer me money.\n\nChannel 0: Yeah.\n\nChannel 1: It's, like,\n\nChannel 0: Yeah.\n\nChannel 1: so annoying. It is so annoying. People care about growing all their funds and having big portfolios so they get all their big percentages, but it gets to a point where it's the only person who really cares about their own money and keeps a real there's a real eye on it is the person who is who is who it belongs to me. And so this is where I'm starting to, like, just go, shit. I just need to really, like, look into it myself and learn about it myself so I can actually do it.\n\nBecause I would love to trust you, Victoria, but I've just trusted your company for so long and found that\n\nChannel 0: Yeah.\n\nChannel 1: it was, like, a 1% growth last year. It's like, holy shit. You know? And I know that you're\n\nChannel 0: Yeah.\n\nChannel 1: listening to me going far out. If I were you, I'd be feeling the same.\n\nChannel 0: No. And I and I and I completed and I completely I wanna hear everything, and I do I am here for you at the end of the day. And I don't get paid a percentage for anything. I just get paid a salary, and that's it. Whether\n\nChannel 1: Okay.\n\nChannel 0: you stay on\n\nChannel 1: Oh,\n\nChannel 0: as\n\nChannel 1: that's\n\nChannel 0: a client\n\nChannel 1: interesting.\n\nChannel 0: or not, it doesn't change anything for me. My job is to help you at the end of the day and whatever that makes. So I don't get paid a percentage. I'm not incentivized. I don't get any commissions whatsoever if you stay on or not.\n\nI'm just here to try to help you at the end of the day. But in terms of my salary, it doesn't, like, it doesn't impact. Like, I don't get commissions if you sign on or anything like that.\n\nChannel 1: Okay. Yeah. Please.\n\nChannel 0: So\n\nChannel 1: I'd like\n\nChannel 0: yeah.\n\nChannel 1: to hear yeah. You probably like oh my god. They're telling you about helping me some of my quizzes she's done.\n\nChannel 0: No. Not at all. I'm I'm literally here, and I I don't feel good. That fact that you've had this experience and you don't have the trust, that's not what we're here to do. We are here, all of us, to help you at the end of the day, and trust is a massive thing for us, and that's what we want to do.\n\nAnd if you have lost that trust, then that doesn't make me feel good because that's what I want to do for you\n\nChannel 1: Yeah. But\n\nChannel 0: at\n\nChannel 1: it just\n\nChannel 0: the end\n\nChannel 1: reflects\n\nChannel 0: of the day.\n\nChannel 1: on your company, isn't it? And it's like it doesn't make you feel good when you're like, hang on. I work for these guys, and they don't have a great reputation anymore. That was so so so convincingly, and then it's kind of like, oh, yeah. Do you wanna know what?\n\nPlease.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. If it yeah. Please if you can let me know where I'm standing right now. You're\n\nChannel 0: Yes.\n\nChannel 1: you're looking at reviewing it and then\n\nChannel 0: Yes.\n\nChannel 1: discussing that with me. Is that correct?\n\nChannel 0: Yes.\n\nChannel 1: Or have\n\nChannel 0: Yes.\n\nChannel 1: you done\n\nChannel 0: Yes.\n\nChannel 1: that already and this is\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: That's okay.\n\nChannel 0: We we're still we're still doing that. Sorry. I do wanna just quickly go back to the fee just to make sure you do understand. So at the moment, you are not paying any fee. It is only if you decide that you would like to stay on.\n\nAnd I do want to reconfirm with you that it is not a yearly\n\nChannel 1: Mhmm.\n\nChannel 0: fee.\n\nChannel 1: Okay.\n\nChannel 0: It is\n\nChannel 1: Got\n\nChannel 0: a\n\nChannel 1: you.\n\nChannel 0: monthly fee that is deducted for you, and\n\nChannel 1: Which\n\nChannel 0: it is\n\nChannel 1: is what percent of what?\n\nChannel 0: it is 1.1 per percent of your super balance.\n\nChannel 1: Well, I'd like it to be 1.1% of whatever you grow. Like, I'd I'd be I'd be prepared to I I think it should be what you grow. I don't think you're I don't think you should be privy to 1.1% of my super balance when you're not actually growing it. That's where\n\nChannel 0: Yeah.\n\nChannel 1: I am.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: I will\n\nChannel 0: will write\n\nChannel 1: refrain from that until you've returned to me with an absolute outline of why I'm so not an outline, but, like, a recommendation. Like,\n\nChannel 0: Mhmm.\n\nChannel 1: a a\n\nChannel 0: Yes.\n\nChannel 1: a like, I haven't seen a report or anything of\n\nChannel 0: Yes.\n\nChannel 1: I haven't seen anything.\n\nChannel 0: Yep.\n\nChannel 1: You know?\n\nChannel 0: Yep.\n\nChannel 1: No paperwork. No. Like, okay. Here. This is this is I haven't seen.\n\nIf you could please send me through a a snapshot, like, of of my of the, like, the performance of the\n\nChannel 0: Yes.\n\nChannel 1: of\n\nChannel 0: Last\n\nChannel 1: it\n\nChannel 0: twelve\n\nChannel 1: for\n\nChannel 0: months.\n\nChannel 1: the last year, that'd be fabulous.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: I\n\nChannel 1: I've seen\n\nChannel 0: actually\n\nChannel 1: nothing.\n\nChannel 0: just have done that for you.\n\nChannel 1: Have\n\nChannel 0: So\n\nChannel 1: you\n\nChannel 0: I have\n\nChannel 1: wonderful.\n\nChannel 0: just done that. Yes.\n\nChannel 1: Grace.\n\nChannel 0: But\n\nChannel 1: Because,\n\nChannel 0: what\n\nChannel 1: like, it's\n\nChannel 0: I will\n\nChannel 1: really\n\nChannel 0: do\n\nChannel 1: hard\n\nChannel 0: anyway\n\nChannel 1: for me to comment on something that I haven't seen since. You know?\n\nChannel 0: mhmm. Yep. And I and I get that. Sorry.\n\nChannel 1: And nobody was sending it through to me previously because they wanted me to sign up and have the conversation first. I'm like, well, I couldn't do that until someone's actually showing me what I've done for the last had for the\n\nChannel 0: No.\n\nChannel 1: last\n\nChannel 0: No.\n\nChannel 1: year.\n\nChannel 0: I will not get you to sign anything until you've seen the documents, and then you are happy with it.\n\nChannel 1: Thank you.\n\nChannel 0: No. I will not get you to sign anything before because I wouldn't sign anything myself if I haven't been told\n\nChannel 1: Yeah. I was\n\nChannel 0: information.\n\nChannel 1: just like, that's not\n\nChannel 0: So\n\nChannel 1: quite right, is it? Like, I've I've I've always liked from other funds, like, you know, the big ones, like, before I rolled over and that, it was always like, they send you out your your six month year or your quarterly review or yearly half year by half yearly. And and you get these things, all the graphs, and they're like, this and that. It tells you, like, your your percentage of what direction it's been in. And I'm like,\n\nChannel 0: What's\n\nChannel 1: I haven't\n\nChannel 0: happening?\n\nChannel 1: seen any, yeah, I haven't seen anything\n\nChannel 0: Yeah.\n\nChannel 1: of that.\n\nChannel 0: So I have to send you that. We'll be happy to go through,\n\nChannel 1: Thank\n\nChannel 0: but what\n\nChannel 1: you.\n\nChannel 0: I'm also happy to do is make a note on the account for you because at the moment, sorry, we can do these catch ups however frequent\n\nChannel 1: Yep.\n\nChannel 0: or infrequent you would like. Now at the moment, I have you down here as once per year for an annual review. Some people are more than happy with that. They don't wanna hear from us more than that. If they have any questions, they'll give me a call.\n\nI have also many clients who want six months to catch up. I have many clients who want quarterly catch up. At the end of the day, it's whatever you want. So if you would like\n\nChannel 1: I'd\n\nChannel 0: a\n\nChannel 1: always\n\nChannel 0: bit more frequent\n\nChannel 1: said yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: No. I'd always said I would like my catch up whenever it's I'm happy for the yearly catch up if\n\nChannel 0: Mhmm.\n\nChannel 1: it's\n\nChannel 0: Okay.\n\nChannel 1: if it's tracking upward. That is it it's not progressing at what we consider\n\nChannel 0: Mhmm.\n\nChannel 1: to be the bare\n\nChannel 0: Mhmm.\n\nChannel 1: minimum,\n\nChannel 0: Yep.\n\nChannel 1: which I think 1% is not even the bare minimum, to be fair. Right? And so that's why and that's what I shared is, like, I would like to be contacted whenever it's not progressing in the way it should be so that\n\nChannel 0: Yep.\n\nChannel 1: we\n\nChannel 0: Yep.\n\nChannel 1: can review that and get it on\n\nChannel 0: Yep.\n\nChannel 1: on track. If that's if it's tracking and it's doing all the right things for a whole\n\nChannel 0: Yep.\n\nChannel 1: year, then you don't need to speak to me. But if it's not, then I expect to call. Let's say,\n\nChannel 0: Mhmm.\n\nChannel 1: hey.\n\nChannel 0: Yep.\n\nChannel 1: Maybe we should just, like, review this because it's not on it's not on target.\n\nChannel 0: Mhmm.\n\nChannel 1: That was what I'd understood and that was happening, and then it didn't happen. I was like, oh my god. 1% over the whole year. Why am I only just hearing about this now? It's\n\nChannel 0: Yep.\n\nChannel 1: not what I ever understood it to be. I\n\nChannel 0: Yeah.\n\nChannel 1: don't wanna commit to anything else until I've looked at other\n\nChannel 0: See\n\nChannel 1: options.\n\nChannel 0: you. Yeah. And I get that. So I I will include in the research note what options would you like me to consider. You mentioned host plus.\n\nChannel 1: Well,\n\nChannel 0: Is there\n\nChannel 1: no. I don't\n\nChannel 0: someone\n\nChannel 1: I I want the best option. I\n\nChannel 0: okay.\n\nChannel 1: want the best option. I shouldn't be telling you who to look at. You should be looking at them all and telling me.\n\nChannel 0: Okay. So you're happy for me. I'll just yeah. Because normally, we\n\nChannel 1: Especially\n\nChannel 0: we\n\nChannel 1: if\n\nChannel 0: assess\n\nChannel 1: you're requesting\n\nChannel 0: everything.\n\nChannel 1: 1% of my whole balance. You know what I mean?\n\nChannel 0: Yeah. And\n\nChannel 1: Like, it shouldn't be up to me to be able to go and do the research to tell you to research it.\n\nChannel 0: no. So we definitely do that research, but sometimes I do have clients who specifically wants me to\n\nChannel 1: Yeah.\n\nChannel 0: consider\n\nChannel 1: I was\n\nChannel 0: something\n\nChannel 1: just plucking\n\nChannel 0: as well.\n\nChannel 1: numbers out of, like, what I see regularly come\n\nChannel 0: Okay.\n\nChannel 1: up.\n\nChannel 0: So I'll just consider everything for you\n\nChannel 1: Please.\n\nChannel 0: and make a recommendation. That is no problem. Now, Shannon, do you have access to your emails? And I will show you the\n\nChannel 1: Yeah.\n\nChannel 0: performance\n\nChannel 1: I do.\n\nChannel 0: and super balance. Yep. So we recently had changed the software, so it might look a little bit different to last time. Now the good thing with how it is structured now is that you don't have to click on the link where it says sign out. That is to sign the ongoing service agreement, and I can leave that for now and include it in the proposal for you when you have all the information.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: That'd\n\nChannel 0: okay.\n\nChannel 1: be wonderful.\n\nChannel 0: Now in the email, can you see before you click on the link, can you see a couple of attachments at the bottom of the email? Yes. So what can you see first? And we'll just do it in the way that you can see them.\n\nChannel 1: Yeah. That's the services guide, the financial services guide version for the\n\nChannel 0: Yes.\n\nChannel 1: twenty first to the fifth twenty sixth super insurance summary.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: The twelve month hub '24 well, the twenty first to the fifth December hub '24 I r l I r r.\n\nChannel 0: Mhmm.\n\nChannel 1: Then the MLC, CRC, and the Vanguard index charts.\n\nChannel 0: Okay. Perfect. So the bottom two, I or the first two, I will get you to have a read over in your own time just so I don't take up too much of your time this morning, which is your overview financial services guide version four and version one. Now these two documents is just a compliance form. It gives you all the important information in regards to us, though, there for you.\n\nWhen you\n\nChannel 1: Yep.\n\nChannel 0: do go and have a look at it, you would have seen this a couple of times before. We've had a bit of an extension to the team, so you will actually see if you do go in and have a look at it. You will see a photo of myself there. You'll also see a photo of Larissa who you've spoken to before as well as the rest of the the advisers. That's all in there\n\nChannel 1: Yep.\n\nChannel 0: for you. Now the next one, which is your super insurance summary, could you open that one for me?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And let me know when that one you can see that. Okay?\n\nChannel 1: Yep. Right then.\n\nChannel 0: Yep. So this one shows you your current situation. So it shows you your hub 24. And\n\nChannel 1: Yeah.\n\nChannel 0: at the moment, you do have $85,496 in there.\n\nChannel 1: Okay.\n\nChannel 0: Now underneath that, it shows you your insurances. So at the moment, you have insurance with MLC. Now you have\n\nChannel 1: Mhmm.\n\nChannel 0: life and total permanent disability. And at the moment, you are covered for 871,526. Now just looking at those two covers, are you happy with the level of cover you have for life and TPD?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: That will\n\nChannel 0: Okay.\n\nChannel 1: pay out my mortgage for my husband and give\n\nChannel 0: Yeah.\n\nChannel 1: him a couple years.\n\nChannel 0: Bit of extra.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I will look. Yeah. It's probably to be fair, it probably doesn't even need to be that high. I don't know what has he got on his for me. I don't actually think no.\n\nI think mine's I think his is at one point. Oh, I think we dropped it so that we weren't paying such ridiculous premiums because we thought, what's the point of paying such big premiums when we could just put it straight in on to our mortgage right now? Whenever we're paying on these premiums, we could pay as up because our mortgage is only, like, $350 or something less than so it's, like, not that much, really.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But I have to just, like, double down on that rather than paying for someone paying for insurance for someone to pay. Because the reality is we would be fine to pay it off if one of us was left and we were left working. We could do it.\n\nChannel 0: Yep.\n\nChannel 1: So I'm almost like, well, I'd rather just have the money coming in to be able to double down on my principal monthly for him or for myself\n\nChannel 0: Yep.\n\nChannel 1: and not be banking on the fact that anything's gonna happen to either of us. We would only need enough to clear our mortgage, which is\n\nChannel 0: Okay.\n\nChannel 1: about 3 it's about $400, really, 354\n\nChannel 0: About\n\nChannel 1: 100\n\nChannel 0: three\n\nChannel 1: to\n\nChannel 0: hundred\n\nChannel 1: make\n\nChannel 0: fifty.\n\nChannel 1: it easy. So what are\n\nChannel 0: Okay.\n\nChannel 1: our premiums currently, please?\n\nChannel 0: Yes. So with those two plus your income protection, which you have here, is the total premium is 2,302. Now this comes out of your superannuation, so it's not something you pay for out of pocket. So\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: But it's\n\nChannel 0: we\n\nChannel 1: something that we're paying for. We\n\nChannel 0: correct.\n\nChannel 1: are most\n\nChannel 0: It\n\nChannel 1: definitely\n\nChannel 0: is coming out\n\nChannel 1: paying\n\nChannel 0: of your\n\nChannel 1: for it.\n\nChannel 0: system. Correct.\n\nChannel 1: Yes.\n\nChannel 0: So what I can do, if you feel like they are too much, what I can do is when I do the research and put the proposal together, I can get\n\nChannel 1: Yeah.\n\nChannel 0: an alteration quote to show you with if you feel like having enough to just cover the mortgage, so the $3.50 or 400, whatever you are comfortable with, I can get a price for you to show you.\n\nChannel 1: Okay. Well, just currently sorry. Currently, I'm not\n\nChannel 0: Yes.\n\nChannel 1: working. So I'm paying income protection, and I'm not working. So if something\n\nChannel 0: Correct.\n\nChannel 1: were to happen to me, would or if that sorry. If I was something was to happen yeah. Nothing's gonna happen to me for my income protection. I'm paying 3,000. How much am I paying on\n\nChannel 0: So for\n\nChannel 1: ink\n\nChannel 0: all three, you are paying 2,302. Now income protection is typically the most expensive as well out of those three.\n\nChannel 1: yeah.\n\nChannel 0: So\n\nChannel 1: Because I'm currently not working. So can we just call that straight away, please?\n\nChannel 0: we can.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I do wanna I'll I can I'll put their proposal in there. Sorry. I can't cancel it without the\n\nChannel 1: Yeah.\n\nChannel 0: proposal for you first, but I will conclude it, and we'll do it in a very short amount of time for you to cancel income protection. The only thing I do wanna let you know is that if we cancel income protection, obviously, and you decide to do you have any plans of going back to work, or what kind\n\nChannel 1: Okay.\n\nChannel 0: of your employment situation?\n\nChannel 1: Yeah. See, this is the thing. It's funny because I told them right. Because I've been out of work for a year and a half, and I told them about at least a year ago that I wasn't working.\n\nChannel 0: Yep.\n\nChannel 1: And it's still coming out with income protection.\n\nChannel 0: Yeah. And often because I think you spoke to my colleague, Kyle,\n\nChannel 1: I was thinking\n\nChannel 0: I believe,\n\nChannel 1: about\n\nChannel 0: last\n\nChannel 1: going\n\nChannel 0: time.\n\nChannel 1: back to work, but it was not happening anytime soon.\n\nChannel 0: Okay. Because we can we can definitely cancel that income protection for you. That is no problem if you if you don't want it. I do wanna just let you know that we we can most definitely go and cancel it for you. And the only thing to be mindful of or that I want you to be mindful of is that if you do decide to go back to work, let's say, in a\n\nChannel 1: Writing,\n\nChannel 0: year or\n\nChannel 1: sir.\n\nChannel 0: six months or whenever you want to, if you then want to look at an income protection policy again, they would have to do your full assessment. So they would assess, you know, health, lifestyle, work. And if there is anything that has changed, you might not be able to get one. So as long as you are understanding of that, we can still go ahead\n\nChannel 1: Yeah.\n\nChannel 0: and cancel it for you.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Okay.\n\nChannel 1: completely healthy. But, yeah, that can\n\nChannel 0: Beautiful.\n\nChannel 1: just come through on your report. Oh, that's\n\nChannel 0: Yes.\n\nChannel 1: in.\n\nChannel 0: Yep. We can cancel that,\n\nChannel 1: Thank\n\nChannel 0: which\n\nChannel 1: you.\n\nChannel 0: will reduce\n\nChannel 1: Yeah.\n\nChannel 0: the premium quite a bit. Now for life and TPD, would you like me to look at reducing it to just cover the mortgage as well for you?\n\nChannel 1: Well, because this it's all paid from my super. Right? And\n\nChannel 0: Correct.\n\nChannel 1: if it's And so to have that coming from my super, then that would be, like, TPA $400 or something like that instead of\n\nChannel 0: Yeah.\n\nChannel 1: would it be a a a bath? If it was to be halved, would that pretty much halved the the premium?\n\nChannel 0: Not necessarily. It\n\nChannel 1: Okay.\n\nChannel 0: will make it a lot cheaper, but not necessarily because most most of the insurers as well, they do like multi policy discounts. So, basically, every two fifty block, there's a discount. So let's say if we were to do four four like, you do have two fifty and 500. So let's say if you were looking at four fifty, sometimes it's better off 500 because there's more value,\n\nChannel 1: Yeah. I got it.\n\nChannel 0: for example. But if you\n\nChannel 1: Yeah. Okay.\n\nChannel 0: feel like canceling income protection will make a big difference in premium. If you still feel like life and TIP is too high and you kind of just wanna cover mortgage with a little bit of extra, I can get a quote for 500 for you if you want. And I can also assess just 3 because you said your mortgage is $3.50. Is that correct?\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Correct. And do you\n\nChannel 1: Yep.\n\nChannel 0: have any other debts? Do you still have\n\nChannel 1: No.\n\nChannel 0: the land as well?\n\nChannel 1: No. We don't.\n\nChannel 0: No. Okay. No other debts otherwise. Just that.\n\nChannel 1: Not a single debt except\n\nChannel 0: Okay.\n\nChannel 1: for exactly 350,000. Okay.\n\nChannel 0: 350. Okay. Would\n\nChannel 1: Sorry.\n\nChannel 0: you like\n\nChannel 1: What\n\nChannel 0: me\n\nChannel 1: is that\n\nChannel 0: to\n\nChannel 1: 1?\n\nChannel 0: look at decreasing it to $3.50, or\n\nChannel 1: I'm\n\nChannel 0: do\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: looking\n\nChannel 0: feel like\n\nChannel 1: at the exact.\n\nChannel 0: mhmm. Okay. Perfect.\n\nChannel 1: I've got sorry. Yes. Exactly. $3.50 on the dot.\n\nChannel 0: Mhmm. Oh, beautiful. Perfect. So what would you like in terms of TPD and life? Do you feel like mortgage is sufficient, or would you wanna have a bit of extra if something were to happen?\n\nChannel 1: Let me know. $3.53 50 does anywhere between $3.50 and 600. I think 850 is just, like, a bit excessive. I don't know\n\nChannel 0: Okay.\n\nChannel 1: what we need that for at the moment.\n\nChannel 0: Okay.\n\nChannel 1: What I mean is I would like I would rather oh, gosh.\n\nChannel 0: Mhmm.\n\nChannel 1: Total permanent disability. I need to do you wanna know what I probably need to do if I actually read the policy and see what it covers me for?\n\nChannel 0: Yes. What I can do for you is\n\nChannel 1: Because that's\n\nChannel 0: I\n\nChannel 1: the thing. A lot of it's all dependent on coverage, isn't it? Like, you know, you pay through the notes thinking we'll pay, like, absolute little for, like, you pay for all the extras that you don't need. You really just need hospital cover on something. I'm just, like, saying, for example, like, with your\n\nChannel 0: Mhmm.\n\nChannel 1: health insurance. Like, it's really all dependent on what you need it for, and I'm, like, going, okay.\n\nChannel 0: Yeah.\n\nChannel 1: So what would this total and permanent disability cover me for? Does it cover you for, like is it does it cover you for cancers? Does it cover you or does it just cover you for car accident? Like, do you know what I mean? Like, I'm just\n\nChannel 0: Yes. And that's another\n\nChannel 1: What\n\nChannel 0: question.\n\nChannel 1: is it?\n\nChannel 0: And TPD is one of those that is that is the hardest to claim on. They can\n\nChannel 1: Yeah.\n\nChannel 0: also have the biggest financial impact. So, basically, with TPD is that you need to have two doctors to sign off on the fact that you are unable to go back to any work that you are qualified to do. So\n\nChannel 1: Yes.\n\nChannel 0: even though you're not working right now, that's okay. But if you if something were to happen to you and you cannot go back to work. Now, obviously,\n\nChannel 1: Yep.\n\nChannel 0: what that looks like depends on, obviously, what you were working with before and what you are qualified to do. So, for example, if you have a high risk occupation or minus or truck drivers, if something were to happen and they, for example, let's say, can't walk, they probably can't do their job. But if you are in an off space role, you might be able to still do it. So it is also\n\nChannel 1: Yeah.\n\nChannel 0: dependent on your qualification. So it is one that is harder to claim on, but it can also have a massive financial impact because if something were to happen and, yes, I know you're not working right now, but if you ever wanted to go back, that could have a big financial impact because then you're not gonna have any any income until,\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: But yeah. I get it.\n\nChannel 0: know.\n\nChannel 1: But knowing that, say, if I was\n\nChannel 0: So\n\nChannel 1: yeah. See, at the moment, because I'm solely supported by my well, I'm I'm working in the home. Right? So\n\nChannel 0: Yeah. Yes.\n\nChannel 1: and, like, work yeah. So my husband is supporting us. If he was\n\nChannel 0: Yeah.\n\nChannel 1: so what yeah. But he wouldn't be able to support us\n\nChannel 0: Yeah.\n\nChannel 1: if I wasn't supporting him. So it's like, you know, what comes best is the technology. Is the woman who's supporting the men so he can support\n\nChannel 0: Yeah.\n\nChannel 1: the family or will that\n\nChannel 0: Yeah.\n\nChannel 1: anyway, it's the whole it's the whole thing. We've just it just\n\nChannel 0: Yeah.\n\nChannel 1: works that in our best interest this way. However,\n\nChannel 0: Yes.\n\nChannel 1: if something were to happen to him, his insurance is set up to sort out so that our kids\n\nChannel 0: Mhmm.\n\nChannel 1: and the family and everything could continue to carry on.\n\nChannel 0: So\n\nChannel 1: If\n\nChannel 0: this\n\nChannel 1: something\n\nChannel 0: will be more sorry for\n\nChannel 1: were\n\nChannel 0: you.\n\nChannel 1: to happen to me, I'm not bringing an income in at the moment anyway, but I but as women's as women but I I would be able to I can work from home, and I can sit in an office. So it's unlikely\n\nChannel 0: Yes.\n\nChannel 1: that I would get TBD\n\nChannel 0: Mhmm.\n\nChannel 1: anyway because my job is wholly and solely based generally on my capacity\n\nChannel 0: Mhmm.\n\nChannel 1: to\n\nChannel 0: Yes.\n\nChannel 1: be able\n\nChannel 0: Mhmm.\n\nChannel 1: to sit there and spit out spreadsheets and do using a computer\n\nChannel 0: Okay.\n\nChannel 1: computer facet of environment, and that is unlikely to be affected unless I unless something unless that something is, you know, with your mental cognitive\n\nChannel 0: Yes.\n\nChannel 1: activity, whatever,\n\nChannel 0: Like, more like Parkinson's or Alzheimer's\n\nChannel 1: in\n\nChannel 0: or\n\nChannel 1: there.\n\nChannel 0: something like those. Yeah.\n\nChannel 1: Nah. So\n\nChannel 0: So\n\nChannel 1: I don't\n\nChannel 0: what\n\nChannel 1: know.\n\nChannel 0: I\n\nChannel 1: So\n\nChannel 0: can\n\nChannel 1: that'll\n\nChannel 0: do\n\nChannel 1: look again. Yeah.\n\nChannel 0: mhmm.\n\nChannel 1: So TPD is unlikely to be something that I'm ever gonna be able to draw on unless\n\nChannel 0: Mhmm.\n\nChannel 1: I read the fine print and see that it's easy for me to get from that. And then that's possibly not gonna be until a way later in my life anyway.\n\nChannel 0: So for the time being, would you like me to get quotes anyway? So we'll cancel the IP for you. Do you wanna cancel TPD as well, or would you happy for me first to get quotes for $3.50 and 600? And then you\n\nChannel 1: Well,\n\nChannel 0: can\n\nChannel 1: I'd like\n\nChannel 0: see\n\nChannel 1: to\n\nChannel 0: what\n\nChannel 1: be\n\nChannel 0: are\n\nChannel 1: able\n\nChannel 0: the\n\nChannel 1: to\n\nChannel 0: premium\n\nChannel 1: be applicable for the TBD if something were to happen to me. Do I if I'm not working, does TBD still stand for me? Is that\n\nChannel 0: Yes.\n\nChannel 1: that's just\n\nChannel 0: Because\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: were\n\nChannel 1: thing.\n\nChannel 0: work\n\nChannel 1: Yeah. It does.\n\nChannel 0: yeah. You were working\n\nChannel 1: Yep.\n\nChannel 0: at the time when we applied for the cover, and it's just to say that you cannot go back to work.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Got you. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep. So if I was to get I guess I need to read it. Like, if I was to get breast cancer or if I was to have a heart attack or something like that, kind of cardiovascular disease or something like that. I'm wondering\n\nChannel 0: It's only\n\nChannel 1: if all that sort\n\nChannel 0: if\n\nChannel 1: of\n\nChannel 0: you it's\n\nChannel 1: Yeah.\n\nChannel 0: you you more have trauma cover in those instances. If you have, let's say, breast cancer and it develops badly and you can never a doctor deems that you are never able to go back to work again, TPD.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: it depends on\n\nChannel 1: Gotcha.\n\nChannel 0: but then often, we have clients where like, I have quite a few clients who have had breast cancer that is in remission, and they are working now. So it also\n\nChannel 1: Yep.\n\nChannel 0: and then you're not gonna get TPD. The same with heart attack. If you have a really, really bad heart attack and like, stroke or something like that and that impacts your ability to ever go back to work again, you will be paid out. But if you have a heart attack, take some time off, and then you are fit to go back to work after a while, you're not gonna get TPD.\n\nChannel 1: Got it.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Yeah. No. It totally does.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So it really it really depends. Cara,\n\nChannel 0: Yes.\n\nChannel 1: let's\n\nChannel 0: But\n\nChannel 1: see\n\nChannel 0: CPD\n\nChannel 1: about that.\n\nChannel 0: and life is a lot cheaper than your income protection. Income protection is the cost the most. So what I can do first for you so you at least can see it and think about it is that we'll cancel IP, and I can get quotes for $605.03 50 for you as a starting point. That way you have the information, and I can also get an alternative\n\nChannel 1: Thank\n\nChannel 0: for you if you only wanted\n\nChannel 1: you.\n\nChannel 0: to have life. And then that way, you have all the quotes and all the options, and then you can see what you would like to do.\n\nChannel 1: Yeah. It'd be interesting just to see what the premium comes down to when you remove IP from that,\n\nChannel 0: It might even actually tell you on the so in the document,\n\nChannel 1: please.\n\nChannel 0: if\n\nChannel 1: Okay.\n\nChannel 0: we go back into that email, you should have a MLC COC. So MLC certificate of currency. Now this typically breaks down all of the insurances in more detail. Sometimes it tells you just a combined value, but sometimes it shows you the, yes, the breakdown.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: here\n\nChannel 1: The\n\nChannel 0: you can\n\nChannel 1: MLCCFA.\n\nChannel 0: actually see\n\nChannel 1: Here it is. Yep. Gotcha. I've\n\nChannel 0: yes.\n\nChannel 1: opened\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: you can so\n\nChannel 1: Right.\n\nChannel 0: you can\n\nChannel 1: Mhmm.\n\nChannel 0: actually see here that your\n\nChannel 1: Okay.\n\nChannel 0: life cover is 600 and so I am on page two.\n\nChannel 1: Yep.\n\nChannel 0: If you wanna scroll down to page two, you can see\n\nChannel 1: Yes.\n\nChannel 0: your life cover. You can\n\nChannel 1: Yep.\n\nChannel 0: see your TPD cover, and you can see your income protection.\n\nChannel 1: Okay. Gotcha. You're right. So the income protection is 9\n\nChannel 0: Yes.\n\nChannel 1: 40. You're right. $9.41. Well, that immediately, we can just remove until such a point. There's only a thirty day waiting period if\n\nChannel 0: Yep. So\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: was to go back to work, but that's not happening any.\n\nChannel 0: so the waiting period would be if so on the income protection, the waiting period means that you need to be off work\n\nChannel 1: Oh, yes.\n\nChannel 0: and\n\nChannel 1: A 30\n\nChannel 0: have to wait\n\nChannel 1: question.\n\nChannel 0: the thirty days before you get the policy paid out.\n\nChannel 1: Yeah. Yep. Sorry.\n\nChannel 0: Yep.\n\nChannel 1: I was thinking waiting period is, like, you\n\nChannel 0: No.\n\nChannel 1: know, when\n\nChannel 0: That's\n\nChannel 1: you join\n\nChannel 0: okay.\n\nChannel 1: us on medical fund,\n\nChannel 0: Yeah.\n\nChannel 1: and then it's, like, three months till you can claim orthodontist.\n\nChannel 0: Yeah. Yeah. No.\n\nChannel 1: Okay.\n\nChannel 0: I get you.\n\nChannel 1: So okay. That can all I'll I'll I'll sit on that one, speak to my husband and\n\nChannel 0: Mhmm.\n\nChannel 1: check-in with him.\n\nChannel 0: Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: And\n\nChannel 0: for\n\nChannel 1: if I was at\n\nChannel 0: so for the the other so I can, obviously, I can either hold off until you've spoken to him and you can send me an email what you wanna do. Or if you would like me to continue putting the research together for you, obviously, your superannuation, show you the comparison, and cancel IP, I can put a proposal together for cancel IP and all your super investments. Leave life and TPD for now, and then\n\nChannel 1: Yes.\n\nChannel 0: we can if you wanna make any further changes to TPD in life, we can then do that. But then at least the others aren't just being, like, put on pause. Would you\n\nChannel 1: Yes.\n\nChannel 0: want\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: That sounds\n\nChannel 0: Yep.\n\nChannel 1: great. Yes, please.\n\nChannel 0: Okay.\n\nChannel 1: Do that. That's great.\n\nChannel 0: Great.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Otherwise, if we go back to your email, you should then have the one where it says twelve month hub IRR.\n\nChannel 1: Yeah.\n\nChannel 0: Now this is the one that shows you how your portfolio has performed and everything in the last twelve months. So let me know when you can open that one.\n\nChannel 1: Yeah. I'm open.\n\nChannel 0: Yep. Perfect. Now sometimes it does look a little bit messy because it shows you all your individual investments, how they have performed, and what has happened in the last twelve months. Now you've touched on as well that in the last twelve months, we have seen a bit of fluctuations in the market and in the world, and we do have you invest in a high growth portfolio. So in the last twelve months now this, the one where it says internal rate of return, I'm sorry, the second column to the right\n\nChannel 1: Two\n\nChannel 0: shows\n\nChannel 1: points\n\nChannel 0: you\n\nChannel 1: is\n\nChannel 0: your\n\nChannel 1: two.\n\nChannel 0: yes. That\n\nChannel 1: Two\n\nChannel 0: shows\n\nChannel 1: places.\n\nChannel 0: you everything after fees. So that is after adviser fees, admin fees, everything. So even though it has been a turbulent last twelve months, after fees, it's still gone up by more than 1%. Still about that 2.62.\n\nChannel 1: Yes.\n\nChannel 0: Now if you go up to the first page, it can then show you all your individual investments. So the one that has a bracket next to it are the one that's down. All the rest are positive. So you can see here that the Benelon Australian equity is underperforming a little bit at the moment, and I think that was probably the one that my colleague mentioned to you. And I would like to look at potentially changing, but I wanna do all the research as well first for you.\n\nAnd then you can see all your other investments. So you can see that some has done crazy. Like, you can see the battery, tech, and lithium, that's at 85%. This one is one that is a little bit more fluctuating. It is more of your speculative investments, but, obviously, at the moment with the fuel prices and electric vehicles, that one has come through the roof.\n\nChannel 1: Yeah.\n\nChannel 0: Does\n\nChannel 1: Peddi\n\nChannel 0: it all\n\nChannel 1: Global.\n\nChannel 0: make sense so far?\n\nChannel 1: Yeah. Yeah. So I'm just reading it.\n\nChannel 0: No. That's okay. So part of the proposal I will put together is to review this more in-depth as well to see if we want to make changes, if now is the best time, and also if there's going to be any tax consequences by doing it. So I wanna factor everything in, and if so, show you the changes in fees and performance and returns and everything like that.\n\nChannel 1: Okay.\n\nChannel 0: Now with your investments, because you are in a high growth portfolio at the moment, what I would like to do is just run through a couple of questions with you. It's multiple choice. There's no right or wrong answer. It's just to see if we should change it or if you're still comfortable with the level of risk. So if you don't mind, it's just a couple of multiple choice.\n\nIf it doesn't make sense, just let me know. Okay? But it's all multiple choice.\n\nChannel 1: Gotcha.\n\nChannel 0: Now, Shannon, have you ever bought direct shares yourself? Have you bought on the stock\n\nChannel 1: No.\n\nChannel 0: market into nope. And at the moment, when do you think you would like to access your super? Do you want to add 60 when you can if you're not working? Do you think you'd wanna wait to, like, 65? Or you have any idea when a time frame of when you wanna start drawing an income from your superannuation?\n\nChannel 1: Oh, ASAP, but, like,\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: 60? For now\n\nChannel 1: yeah.\n\nChannel 0: anyway.\n\nChannel 1: What's\n\nChannel 0: Yep.\n\nChannel 1: the earliest\n\nChannel 0: Perfect.\n\nChannel 1: age that we're well, the reality is that, like, we don't have a date an expiry date. None of us has a life expiry an exact\n\nChannel 0: Yes.\n\nChannel 1: date of our life expiry.\n\nChannel 0: Yeah.\n\nChannel 1: So you sit there and, like, get wait until you're 67 to to die at the age of 72. What's the point of\n\nChannel 0: Sounds\n\nChannel 1: waiting\n\nChannel 0: a bit\n\nChannel 1: to\n\nChannel 0: miserable.\n\nChannel 1: access it\n\nChannel 0: Yeah.\n\nChannel 1: to have to work until you're 70 to pay off your mortgage? I would rather personally take it out straight away and just dump it on my mortgage because we'd probably be that quite between my husband and I by then to pretty much paid it out and be following\n\nChannel 0: Yeah.\n\nChannel 1: like, honestly,\n\nChannel 0: Yeah.\n\nChannel 1: we've got a a bit out of the bag.\n\nChannel 0: And and you have\n\nChannel 1: Right?\n\nChannel 0: that choice. So with the current\n\nChannel 1: Mhmm.\n\nChannel 0: legislation, you can access if you are not working, you can access all of your superannuation completely tax free at the age of 60. The 60\n\nChannel 1: Sixty.\n\nChannel 0: seven is if you are, yeah, eligible for age pension. If you are working, there is you can access some super up to 10% under a transition to retirement between 60 and 65. But if you are not working, you can take the whole lump sum out if you want to at 60 tax free.\n\nChannel 1: Okay. So ten years. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'll be accessing it in ten years. I know. Yes. You should probably, you know, trust other people to invest it and grow it further and whatnot. But the reality is the amount of money that we pay on interest, It's a well, I'm I'm looking at the growth of this whole portfolio and what's been happening with it.\n\nIt's actually way better value for me to check it on my mortgage and not be paying interest rate.\n\nChannel 0: And and you definitely have that option. Like, let's see. You can do whatever\n\nChannel 1: Yeah.\n\nChannel 0: you want. Often,\n\nChannel 1: Yeah.\n\nChannel 0: I would just kind of air of caution that that if you're pretty pretty sat with you and your husband and you have a bit of a plan, that's good. The only way I would sometimes, you know, flag it with clients is if they have a lot of debts, for example, and they wanna\n\nChannel 1: Yeah.\n\nChannel 0: take everything out, put it all, and pay out all the debt, and then they have nothing. And then they don't have eight pension until 67. And then I'm like, well, you need to make sure that you can support yourself financially until\n\nChannel 1: I\n\nChannel 0: 60\n\nChannel 1: know. I'll\n\nChannel 0: seven.\n\nChannel 1: work. I'll just happily work, and I've got an Airbnb out the back. It what it means is that I don't\n\nChannel 0: Yeah.\n\nChannel 1: need to pay a mortgage, but I just\n\nChannel 0: Yeah.\n\nChannel 1: work to live, and it's a way easier option for\n\nChannel 0: Yeah.\n\nChannel 1: me.\n\nChannel 0: And\n\nChannel 1: It's\n\nChannel 0: if that\n\nChannel 1: way\n\nChannel 0: works,\n\nChannel 1: more comfortable.\n\nChannel 0: you have you have that option at 60. As soon as you turn 60, you can take everything tax free, and\n\nChannel 1: Yeah.\n\nChannel 0: then you can do whatever you want.\n\nChannel 1: I'll go and live in our caravan and and get an income of, like, you know, $2 a week for a house. Like, oh,\n\nChannel 0: Doesn't\n\nChannel 1: happily\n\nChannel 0: sound too\n\nChannel 1: do\n\nChannel 0: bad.\n\nChannel 1: that. Well, yeah, it's probably about 1,500 at the minute, but I'm thinking in ten years from time from\n\nChannel 0: Yeah.\n\nChannel 1: now, it's gonna be up there.\n\nChannel 0: It'll be Yeah.\n\nChannel 1: Ridiculous.\n\nChannel 0: Alright, Pam.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Sorry. I'm just like,\n\nChannel 0: No.\n\nChannel 1: I'm going more for the safer option then because, like, I was working at the anti corruption commission with a beautiful lady. I I did this massive you know, I I gave her a massive send off, then AMP and everything that this is she the GSE before the like, probably in 1997. It was one of it was before the one in 2005, whatever date it was, 2005. Anyway, she lost all the like, her everything\n\nChannel 0: Yeah.\n\nChannel 1: absolutely collapsed. Four weeks later, she was back at work. It was\n\nChannel 0: Yeah.\n\nChannel 1: heartbreaking.\n\nChannel 0: That's horrible.\n\nChannel 1: She should have\n\nChannel 0: Yeah.\n\nChannel 1: been yeah.\n\nChannel 0: And that's also\n\nChannel 1: No.\n\nChannel 0: typically what we we typically see that, obviously, the closer you get to wanting to take out your money, you might wanna start reducing that risk exposure because you\n\nChannel 1: Exactly.\n\nChannel 0: don't have as much time for those fluctuations. So right now, thinking about your super, how much risk would you say that you're willing to take?\n\nChannel 1: Well,\n\nChannel 0: High risk,\n\nChannel 1: I\n\nChannel 0: very\n\nChannel 1: just\n\nChannel 0: high,\n\nChannel 1: look.\n\nChannel 0: moderate?\n\nChannel 1: I'm all up for high risk, but I'm looking at\n\nChannel 0: Okay.\n\nChannel 1: what high risk has earned me this year. I'm not going sweet, I say, really, 2.62%. I would probably have earned more if I'd gone safe.\n\nChannel 0: And at times, that's going to be the case depending on what's happening in the market. So with your high risk, high growth, risk profile, you are going to have certain years with going to be down. Other years are going to be really good. So you will have a lot more of those fluctuations. So if we look at, you say, your balance growth are more defensive, other times, especially when there's a lot of fluctuations in the market, especially, you know, the last twelve months where there's been a bit of ups and downs, some defensive are doing really well.\n\nBut over other years, not so good. So high growth\n\nChannel 1: Yep.\n\nChannel 0: is your your long term. So when we are looking at it, we are looking over a longer period of time to assess\n\nChannel 1: Uh-huh.\n\nChannel 0: it. Because during\n\nChannel 1: Can I ask how long do you feel it's going to take before our high growth sort of fun starts to bounce back a little bit?\n\nChannel 0: so it is very hard to say depending on, obviously, what is happening in the world and the market. But typically speaking, in a high growth portfolio, you're going to have, I think it's about one in five years or down, the rest predicted, again, depending on what is happening. The rest are going to be positive. You want long term that those evens out. So overall, even though on a short term basis, you're going to see more fluctuations than if you are in a more defensive investment.\n\nBut overall, over a longer period of time, you're wanting to be better off. Because, otherwise, what's the point taking on the the short term risk if you're not getting that? So part of the research, I wanna look at your thematic investments as well to see if you are taking risk with some investment that's not needed and if we needed to change it. So I will kind of deep dive into the investment. But in terms of the allocation on how much goes in what sector is what these questions kind of determine for you.\n\nBecause at the moment in a high growth portfolio, we see 90%. Now, actually, if you want to go back to your emails, because sometimes this makes it a bit easier, if you wanna open that Vanguard index chart for me.\n\nChannel 1: Because I was just like thinking if I'd been in bloody anything today with, like, you know, AI and all that sort of stuff, we would have been doing it. I think so it's kind of like, where is all my money tied up at the moment? Like, what are the what are the actual funds of a I can't understand what these\n\nChannel 0: That's okay.\n\nChannel 1: That's right. Ones\n\nChannel 0: So\n\nChannel 1: like battery tech lithium,\n\nChannel 0: so like, what\n\nChannel 1: from\n\nChannel 0: yeah.\n\nChannel 1: S and P five hundred\n\nChannel 0: So\n\nChannel 1: Asia.\n\nChannel 0: s and p five hundred, just to give you one\n\nChannel 1: That's\n\nChannel 0: example.\n\nChannel 1: better. Yeah. That's obvious.\n\nChannel 0: Yes.\n\nChannel 1: Vanguard.\n\nChannel 0: Yep.\n\nChannel 1: Do you have conserve like, what what Vanguard do conserve the HF unit? Are they that's\n\nChannel 0: A\n\nChannel 1: it's like because\n\nChannel 0: little bit\n\nChannel 1: doesn't\n\nChannel 0: more\n\nChannel 1: Vanguard have a billion different things that's hard\n\nChannel 0: they have\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: sell\n\nChannel 0: lot of\n\nChannel 1: one.\n\nChannel 0: different portfolios. Yeah.\n\nChannel 1: Yeah. So it's hard for me to just tell what these portfolios are for because, okay, yes, they're recognizable names, but I don't know what they're\n\nChannel 0: What's\n\nChannel 1: actually.\n\nChannel 0: in them? Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So what what I'll do as well is when I do because I do wanna, like I said, go a bit more into the investments for you and see if we need to make changes. The ones that I will recommend, I will include investment links for them as well. So I'll go and expect when I do if I do recommend changes, I will go through them in a little bit more in-depth with you to give you a bit of an overview of what is in it,\n\nChannel 1: Yep.\n\nChannel 0: a couple of examples. But then, also, I will give you so you can read when you have a moment on everything because some of them have hundreds of different options in there. Some has a lot less. So I will include all the research material as well for you so that you can click an ECC if you wanted to have a bit more in-depth of what is actually in it before you then decide what you would like to do.\n\nChannel 1: Thank you. That would be great.\n\nChannel 0: No. That's okay. I'm sorry, Shannon. When it comes through yeah. At the moment, thinking about risk, did you say you are more towards your still high growth you're comfortable with when we are just talking about\n\nChannel 1: As\n\nChannel 0: it from\n\nChannel 1: long\n\nChannel 0: a back\n\nChannel 1: as it's\n\nChannel 0: end\n\nChannel 1: in\n\nChannel 0: point\n\nChannel 1: the right\n\nChannel 0: of view? Okay.\n\nChannel 1: high growth, but in the right in the right kind of funds.\n\nChannel 0: The right\n\nChannel 1: Like,\n\nChannel 0: ones.\n\nChannel 1: I like\n\nChannel 0: Yes.\n\nChannel 1: I can see sort of, like, you know, high growth, for example, like, AI is worth kind of betting on. It's kind of a bit of a it's here. It's obviously, like, taking the world by storm, and it's doing it's like there is so much. But it's like\n\nChannel 0: Mhmm.\n\nChannel 1: when the Internet arrived, like, the most\n\nChannel 0: Yeah.\n\nChannel 1: millionaires are gonna arrive with the Internet. It's like AI brewing.\n\nChannel 0: Mhmm.\n\nChannel 1: It's like,\n\nChannel 0: Yeah.\n\nChannel 1: well, hey. Yeah. But there's obviously the option. Like, you gotta keep an eye on it because it's boom and bust. Like, But\n\nChannel 0: Yeah.\n\nChannel 1: it's yeah. And it's here at the moment, and it's absolutely doing doing massive\n\nChannel 0: Mhmm.\n\nChannel 1: things. So it's like well, it's obviously a sure bet at the minute even\n\nChannel 0: Mhmm.\n\nChannel 1: though it is high risk. Do you\n\nChannel 0: Okay.\n\nChannel 1: know what I mean?\n\nChannel 0: Yep. No.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: so I\n\nChannel 0: totally\n\nChannel 1: sort\n\nChannel 0: messed\n\nChannel 1: of think\n\nChannel 0: up.\n\nChannel 1: it's like\n\nChannel 0: Yeah.\n\nChannel 1: it's sort of like a smart risk, I sort of think. You know?\n\nChannel 0: Yes.\n\nChannel 1: Defense at the moment is kind of like a smart risk, but it's kind of at the same time, like, I'm I'm not qualified to make these\n\nChannel 0: Mhmm.\n\nChannel 1: decisions. I'm just speaking as a human who's, like,\n\nChannel 0: Yes.\n\nChannel 1: going,\n\nChannel 0: Oh, that's\n\nChannel 1: well,\n\nChannel 0: why you have\n\nChannel 1: that\n\nChannel 0: us to\n\nChannel 1: what's\n\nChannel 0: help\n\nChannel 1: going\n\nChannel 0: you with\n\nChannel 1: on around\n\nChannel 0: as\n\nChannel 1: the\n\nChannel 0: well.\n\nChannel 1: world? Pardon?\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: that's\n\nChannel 1: it's like\n\nChannel 0: also why\n\nChannel 1: it's\n\nChannel 0: you have\n\nChannel 1: like kind of educated educated high risk. High risk is like,\n\nChannel 0: okay.\n\nChannel 1: okay. Well, yeah, that's sort of smart. Like, that sort of\n\nChannel 0: Mhmm.\n\nChannel 1: makes sense. Not just\n\nChannel 0: Yep.\n\nChannel 1: high risk because, oh, wow. So and so says, you know, like, let's go and, you know you know, it says that they've\n\nChannel 0: Let's\n\nChannel 1: got\n\nChannel 0: invest in crypto.\n\nChannel 1: great ideas\n\nChannel 0: Well, let's not.\n\nChannel 1: for shit.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. I'm not a\n\nChannel 0: Yeah.\n\nChannel 1: crypto\n\nChannel 0: No.\n\nChannel 1: girl.\n\nChannel 0: No. No neither. Okay. Good.\n\nChannel 1: Mhmm.\n\nChannel 0: No. That makes sense. So\n\nChannel 1: Do you see what I\n\nChannel 0: We\n\nChannel 1: mean?\n\nChannel 0: are comfortable.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah. We are comfortable with high growth, but it's reviewing the type of high growth investments\n\nChannel 1: Yeah.\n\nChannel 0: and making sure\n\nChannel 1: High\n\nChannel 0: that they\n\nChannel 1: growth\n\nChannel 0: are sound\n\nChannel 1: with\n\nChannel 0: investments.\n\nChannel 1: high\n\nChannel 0: Yeah.\n\nChannel 1: growth with supportive evidence behind it. So it's kind\n\nChannel 0: Yes.\n\nChannel 1: of like, well, that makes a lot of sense over my whole\n\nChannel 0: Yes.\n\nChannel 1: lifetime of experience. That makes sense. But don't come at me with with, yeah, with crypto and\n\nChannel 0: Yes. No. I will not.\n\nChannel 1: kind of that\n\nChannel 0: We\n\nChannel 1: sort of\n\nChannel 0: don't.\n\nChannel 1: shit because I'm like, no.\n\nChannel 0: No. We we don't include because it's way too speculative, and there's there's\n\nChannel 1: Yeah.\n\nChannel 0: there's not\n\nChannel 1: Totally.\n\nChannel 0: there's not even an underlying asset behind\n\nChannel 1: It's\n\nChannel 0: it.\n\nChannel 1: gamble. It's\n\nChannel 0: So how\n\nChannel 1: a\n\nChannel 0: do\n\nChannel 1: gamble.\n\nChannel 0: you even pull that? Yeah. How do you even\n\nChannel 1: I'm\n\nChannel 0: pull value?\n\nChannel 1: I'm a high risk\n\nChannel 0: No.\n\nChannel 1: with good evidence. I'm not\n\nChannel 0: No. Yes.\n\nChannel 1: a gambler.\n\nChannel 0: No. And that is the last thing we wanna do with your retirement. So\n\nChannel 1: Thank you.\n\nChannel 0: no. Definitely makes sense. Alright. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: K.\n\nChannel 0: I will reassess your high growth and look at it. So while I am\n\nChannel 1: Thank you.\n\nChannel 0: looking at different options for you, I do wanted to check one thing with you because we have re I don't know if you've read our newsletter, so if it is something you read\n\nChannel 1: Do\n\nChannel 0: every now and then.\n\nChannel 1: you wanna know what? I haven't actually received the\n\nChannel 0: No.\n\nChannel 1: newsletter.\n\nChannel 0: That's fine.\n\nChannel 1: It must be going straight through to my junk.\n\nChannel 0: Oh,\n\nChannel 1: I've looked for it, but I have not seen it. And that is probably why I'm complaining about my lack of, like, lack of, what do you call\n\nChannel 0: Okay.\n\nChannel 1: it,\n\nChannel 0: Communication?\n\nChannel 1: lack of, yeah, comms as\n\nChannel 0: Yes.\n\nChannel 1: well because I haven't\n\nChannel 0: Okay.\n\nChannel 1: seen it come through.\n\nChannel 0: Your email hasn't changed.\n\nChannel 1: No. It hasn't changed.\n\nChannel 0: Okay.\n\nChannel 1: But what's it coming through as? Because, like, this is\n\nChannel 0: Yeah. So it's s h a n\n\nChannel 1: k\n\nChannel 0: k\n\nChannel 1: e w n e g y.\n\nChannel 0: e,\n\nChannel 1: Yep.\n\nChannel 0: yes, @hotmail.com.\n\nChannel 1: At hot mail\n\nChannel 0: Alright.\n\nChannel 1: dot\n\nChannel 0: I\n\nChannel 1: com.\n\nChannel 0: will check with IT.\n\nChannel 1: Can I have a what would it look like? What would I be looking for? What does it say? Is it just\n\nChannel 0: Let me see.\n\nChannel 1: okay.\n\nChannel 0: Well, yes. So it say Oakview newsletter,\n\nChannel 1: Okay.\n\nChannel 0: and it is comes out once a month, typically. And if you are obviously receiving emails from us, otherwise, it should not go to spam. Sometimes it goes to spam, but yeah.\n\nChannel 1: I received yeah. Okay. It's showing a bit. Okay. So where is this going?\n\nI'm just looking. I've just, like, done a massive search on my phone.\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: And I'm and I'm I think it's it's been going into must be going okay. No. That's a 05/20/2025, 08/10/2022, 03/26/2026. Oh, no. That's that's gone to quarter forty eight of August.\n\nI think I'm really getting that one, maybe one oh, gosh. Doesn't look very regular here. 40\n\nChannel 0: Okay.\n\nChannel 1: eight\n\nChannel 0: That's\n\nChannel 1: of\n\nChannel 0: strange.\n\nChannel 1: August, 11/17/2025. But not and the only thing I've received this year is the twenty sixth annual review from Whitland Smith's quarter summary on the March 26, but that went to quarter.\n\nChannel 0: Okay. Weird.\n\nChannel 1: Looks like\n\nChannel 0: I\n\nChannel 1: things\n\nChannel 0: will\n\nChannel 1: have been yeah. I\n\nChannel 0: yes.\n\nChannel 1: will have to\n\nChannel 0: See\n\nChannel 1: change\n\nChannel 0: if you can\n\nChannel 1: it so that it comes up in my\n\nChannel 0: Yes.\n\nChannel 1: email.\n\nChannel 0: And I will also just check with IT if there's a bug or something because you should be receiving them. But, yeah, flag it as not spam so you do get them, but I will also follow-up with IT to see if there's, like, a a bug or something\n\nChannel 1: Yeah. Yeah. I\n\nChannel 0: why\n\nChannel 1: don't\n\nChannel 0: you're\n\nChannel 1: know.\n\nChannel 0: not\n\nChannel 1: Okay.\n\nChannel 0: receiving them.\n\nChannel 1: Thank you. Great.\n\nChannel 0: No. That's okay. But with the the newsletter, what I was going to say is that we the latest one, if you would have to receive it, it does talk about that we have recently teamed up with BlackRock. Have you heard of them before?\n\nChannel 1: Yeah. I have.\n\nChannel 0: Yes. So we have recently teamed up with them and created an SMA with them, so a self managed account with them. Have you ever heard of an SMA? So not a self managed super fund, an SMA. Have you ever heard of that\n\nChannel 1: No.\n\nChannel 0: structure before?\n\nChannel 1: I haven't.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: So what an SMA is, it is a self managed account. So it can still very much look similar to how you have 24 set up where you do have a heap of different investment that you are invested in. The the positive thing with the SMA is that how it's set up, it will allow us a little bit more flexibility in making changes for you quickly. So, for example,\n\nChannel 1: Okay.\n\nChannel 0: in a model portfolio, which is how it is now, if we foresee that there is, let's say, Benelon, for example, slightly underperforming and we wanna make a change from a compliance point as well, we will obviously do research regardless. We would put a proposal together for you. We would have to book it in time with you, present the changes. You would have to sign off on the changes before we can go and make the change. So\n\nChannel 1: Yes.\n\nChannel 0: it does mean that sometimes it can take a little bit longer. And as you would know, sometimes with investments, you do wanna make choices quickly if there are going things can happen quickly. So\n\nChannel 1: Yeah.\n\nChannel 0: with the SMA, how it is differently is that you would be invested in a portfolio. So let's just call it a high growth portfolio. Now within that portfolio, you still have a range of different investments similar to what you would have now in terms of how many options and stuff like that. But\n\nChannel 1: Yeah.\n\nChannel 0: what it allows us to do is that because you were just invested in, let's say, Oakview high growth portfolio, we can then go and make quick changes for you in the back end if we just see that is is better off making a change. We don't have\n\nChannel 1: Okay.\n\nChannel 0: to go through that whole SOA booking presenting it through you. We can just go ahead and make the change and let\n\nChannel 1: Yep.\n\nChannel 0: you know afterwards what we have made. So it does make it a bit more streamlined and quicker to make the changes. The only thing would be that it would be less oversight on your end in that way because you wouldn't have to sign off for the change before we make it. You'd still get notified of it. We would just make it a bit more proactive in the back end.\n\nSo it is a different way of setting it up. And because we have joined with BlackRock on it, we're obviously using all of their investment team as well as our internal investment team to kind of build and create these different portfolios, and we get access to all of their kind of risk management software as well.\n\nChannel 1: Okay.\n\nChannel 0: Is that approach something you are are you referring through?\n\nChannel 1: It's something I'm open to, but it's something that I'm not so it's something that I don't have my head around. To be fair,\n\nChannel 0: Nope.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: have\n\nChannel 0: okay.\n\nChannel 1: not\n\nChannel 0: No. That's\n\nChannel 1: yet.\n\nChannel 0: okay.\n\nChannel 1: I don't no. I found that. Okay. That sounds great. It sounds like it's minimizing a whole lot of admin\n\nChannel 0: Mhmm.\n\nChannel 1: and time. It's right\n\nChannel 0: Yes.\n\nChannel 1: with the time saving. So therefore,\n\nChannel 0: Mhmm.\n\nChannel 1: it's allowing you to opt out of a portfolio or change a fund\n\nChannel 0: Mhmm.\n\nChannel 1: ASAP rather than having to wait for all of the the\n\nChannel 0: The\n\nChannel 1: reviews\n\nChannel 0: compliance.\n\nChannel 1: and the emails\n\nChannel 0: Yep.\n\nChannel 1: and the sign offs and the authorizations,\n\nChannel 0: Mhmm.\n\nChannel 1: you can actually do it quicker\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Yes.\n\nChannel 1: before things change or fall dramatically. Is that what you sort of mean?\n\nChannel 0: That is a 100% correct. Yes.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Well, I'm\n\nChannel 0: what I will do is I will factor it in my\n\nChannel 1: good.\n\nChannel 0: research. Now if I've researched the SMA and the SMA turns out to be you have to pay a lot of tax and it's not performing as well or fees, then I'm not gonna recommend it. But if I do\n\nChannel 1: Mhmm.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: research and it shows off that, well, it's actually a very competitive option and it is putting you in a better position than other options, then I will consider it.\n\nChannel 1: Yeah.\n\nChannel 0: What I can also do is I can send you an email just so if you wanted to read off on a little bit between now and our next call about\n\nChannel 1: Yes.\n\nChannel 0: the SMA. So I can send you, like, a bit of a brochure and some information, just some general information in regards to the SMA so that you can have a read over it. If I do decide to recommend it, I will have everything in the proposal anyway. So it will be, like, a full\n\nChannel 1: Yeah.\n\nChannel 0: extended version of everything if it turns out to be the best\n\nChannel 1: Yeah.\n\nChannel 0: option for you.\n\nChannel 1: Because that's the estimate\n\nChannel 0: Yep.\n\nChannel 1: and, again, like, all that sort of stuff, it's great when you got someone that's all over your portfolio and doing it and looking at it and\n\nChannel 0: Yes.\n\nChannel 1: on top of it. You know? But\n\nChannel 0: Yes.\n\nChannel 1: it's not good if it's sort of just not being if it's\n\nChannel 0: Left.\n\nChannel 1: you\n\nChannel 0: Yep.\n\nChannel 1: know what I mean? It's only as good as the person managing it.\n\nChannel 0: Mhmm. Mhmm. And\n\nChannel 1: Like\n\nChannel 0: and I\n\nChannel 1: like\n\nChannel 0: get\n\nChannel 1: like\n\nChannel 0: that.\n\nChannel 1: on software. You know what I mean? Like, if it's\n\nChannel 0: Yes.\n\nChannel 1: sort of sitting there, it's not gonna if if someone's not quick to jump on it, then\n\nChannel 0: Yes.\n\nChannel 1: it's not gonna do anything.\n\nChannel 0: What's yes.\n\nChannel 1: But if you're\n\nChannel 0: And\n\nChannel 1: really\n\nChannel 0: and\n\nChannel 1: quick\n\nChannel 0: I\n\nChannel 1: at it, then it makes\n\nChannel 0: yes.\n\nChannel 1: all the sense in the world to be able to action\n\nChannel 0: Yes.\n\nChannel 1: it immediately and and beat the fall or hit all the rides or whatever it\n\nChannel 0: Yes.\n\nChannel 1: is that\n\nChannel 0: Yep.\n\nChannel 1: you're\n\nChannel 0: No.\n\nChannel 1: trying\n\nChannel 0: No.\n\nChannel 1: to catch.\n\nChannel 0: I get it.\n\nChannel 1: Do\n\nChannel 0: Yeah.\n\nChannel 1: you know what I'm\n\nChannel 0: And\n\nChannel 1: trying\n\nChannel 0: and\n\nChannel 1: to say?\n\nChannel 0: that's\n\nChannel 1: Because\n\nChannel 0: the\n\nChannel 1: I'm not a I'm not\n\nChannel 0: yes.\n\nChannel 1: I'm not qualified in any way at all to talk your language.\n\nChannel 0: No. That's fine. I get what\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: have\n\nChannel 0: I\n\nChannel 1: no\n\nChannel 0: get.\n\nChannel 1: idea what\n\nChannel 0: Most\n\nChannel 1: I'm saying,\n\nChannel 0: most of\n\nChannel 1: but I\n\nChannel 0: the\n\nChannel 1: know\n\nChannel 0: time,\n\nChannel 1: what\n\nChannel 0: people\n\nChannel 1: I mean.\n\nChannel 0: don't. Most I I completely I completely get it because most of the clients I speak with don't. People\n\nChannel 1: Pardon?\n\nChannel 0: don't work in finance. So it's no. It is it is fine, and I get it. And, yeah, the good thing is with the SMA, because we are working with Blackhawk, we obviously have an extensive backup of all of their research and expertise\n\nChannel 1: Alright.\n\nChannel 0: and everything as well,\n\nChannel 1: Okay.\n\nChannel 0: which is great. So so I will look at it. I will still send you an email with the the research, just just general about the estimate so you can have a read of a read over it.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Mhmm. No. That's okay. So what I'll the last thing I'll just quickly run through there, Shannon, is just to see if there's anything else major that has changed that I need to factor in when I do put this proposal together. So let me see here.\n\nYou obviously, you're still married. Still have two financial\n\nChannel 1: Yes.\n\nChannel 0: dependents?\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's beautiful. Obviously, off work, we've already touched on that. Property, I've already changed the mortgage. Now how much is your property valued at the moment?\n\nChannel 1: I think it's about 1.6, 1.7.\n\nChannel 0: 1.6. Oh, wow. That's nice. I had a one\n\nChannel 1: No.\n\nChannel 0: point\n\nChannel 1: No. No.\n\nChannel 0: two here. Sorry. Did you say\n\nChannel 1: No.\n\nChannel 0: 1.7 or 1\n\nChannel 1: Well\n\nChannel 0: 6?\n\nChannel 1: but that if the bank was to go in and value it, they would probably because my my neighbor, she just had hers valued. But\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: hers is still on the corner, and it's not as big.\n\nChannel 0: Mhmm.\n\nChannel 1: But the bank valued hers, I think, at 1.4 just\n\nChannel 0: Mhmm.\n\nChannel 1: conservatively because it was kind of, like,\n\nChannel 0: Okay.\n\nChannel 1: one of those, yeah, a conservative thing. But\n\nChannel 0: Yep.\n\nChannel 1: ours has the extra bedroom and all the things like that, and they sleep out.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Like, an extra yeah. So, like, a granny flat available\n\nChannel 0: Okay.\n\nChannel 1: at the back.\n\nChannel 0: Oh, nice.\n\nChannel 1: So yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: probably\n\nChannel 1: So I think\n\nChannel 0: about\n\nChannel 1: it's\n\nChannel 0: one six at least.\n\nChannel 1: yeah. Definitely. I think that\n\nChannel 0: Yeah.\n\nChannel 1: would be conservative on it. Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. Other assets, do you have a motor vehicle caravan?\n\nChannel 1: Mhmm. We have yeah. Our cars are all paid for. We've got two cars. We've got a product and a which is probably worth about 25\n\nChannel 0: Mhmm.\n\nChannel 1: and because it's an older one now, and our small car is probably worth 5.\n\nChannel 0: Yep. Unfuly\n\nChannel 1: Yeah.\n\nChannel 0: paid off. And\n\nChannel 1: Yeah.\n\nChannel 0: caravan?\n\nChannel 1: Caravan. We've just got all the camping gear. We don't have anywhere to store our caravan at the minute we\n\nChannel 0: Yep. Okay.\n\nChannel 1: sold\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: Any other assets? Savings, offset, boats, motorbikes?\n\nChannel 1: Oh, I've already factored all of that in. I always got, like, yeah, $1,500 in a boat, half the half in a small sailboat. All\n\nChannel 0: Yep.\n\nChannel 1: of our yeah. We've got assets, like, you know, stuff like, you know, jewelry and\n\nChannel 0: Mhmm.\n\nChannel 1: stuff, but I'm not gonna bother with accounting for that. That's fine. That's\n\nChannel 0: Okay. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: Sorry. I'll just have the the property, the two car, and then the boat did you say 15 and a half thousand?\n\nChannel 1: No. It's only small, probably worth that. Yeah. I'd because that we've gone half, it's probably it's a more small trailer sale. That's probably worth about 5.\n\nThat's a 3\n\nChannel 0: Five.\n\nChannel 1: or 4.\n\nChannel 0: Okay.\n\nChannel 1: I'm\n\nChannel 0: K.\n\nChannel 1: probably yeah. Just say $1.01 and a half. I wouldn't even it needs me to work on it at the minute.\n\nChannel 0: Okay. Just one\n\nChannel 1: Don't\n\nChannel 0: thousand\n\nChannel 1: even count\n\nChannel 0: five\n\nChannel 1: it.\n\nChannel 0: 100. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: No worries. Anything\n\nChannel 1: Mhmm.\n\nChannel 0: else?\n\nChannel 1: Like what? Like, sort of no. See, that's the thing. We don't have any other assets or anything like\n\nChannel 0: No.\n\nChannel 1: that.\n\nChannel 0: Okay.\n\nChannel 1: We've just lived without a simple life.\n\nChannel 0: Yeah. No. That sounds lovely.\n\nChannel 1: We did have a lot, and now we've we've sold we've sold them all and just wanted to keep, yeah, very simple.\n\nChannel 0: Yeah. Yep. No. I'm with you there. Sometimes\n\nChannel 1: Mhmm.\n\nChannel 0: you can very much overdo it, and then you\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: can't.\n\nChannel 0: need to\n\nChannel 1: This dress?\n\nChannel 0: get rid of it.\n\nChannel 1: Yeah. This dress. Look.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Mhmm. Wow.\n\nChannel 0: Now health and lifestyle, I have you done there as a nonsmoker. No,\n\nChannel 1: Yep.\n\nChannel 0: you know, significant health issues or injuries or medications.\n\nChannel 1: No. Very healthy.\n\nChannel 0: Beautiful. Estate planning. Do you guys have a will in place or anything like that?\n\nChannel 1: That's the next thing.\n\nChannel 0: Okay. On\n\nChannel 1: That's the\n\nChannel 0: the\n\nChannel 1: next thing.\n\nChannel 0: to do list. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have someone that you know or that you can go to, or would you like me to include, like, a brochure of one of the firms we work closely with as, like, pricing and stuff?\n\nChannel 1: Yep. Go for it. But at the\n\nChannel 0: Yep.\n\nChannel 1: same time, we'll probably I know that, like, the first life saving and all those sort of things, they do free wheels and all that stuff. So I should probably do it like that, possibly.\n\nChannel 0: Yeah.\n\nChannel 1: I'm not\n\nChannel 0: Perfect.\n\nChannel 1: sure. That\n\nChannel 0: I'll\n\nChannel 1: was very\n\nChannel 0: include\n\nChannel 1: straightforward.\n\nChannel 0: it. That way, you have\n\nChannel 1: Yeah.\n\nChannel 0: it in your inbox. You can ignore\n\nChannel 1: Thank\n\nChannel 0: it\n\nChannel 1: you.\n\nChannel 0: if you want, but it's there. It's there.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: No. That's okay. Other goals that you kind of were working towards in the next twelve months, paying off the mortgage I have here, and do some renovations to the home. Is that\n\nChannel 1: Yeah.\n\nChannel 0: still\n\nChannel 1: I've\n\nChannel 0: something\n\nChannel 1: been doing\n\nChannel 0: that\n\nChannel 1: quite\n\nChannel 0: you guys\n\nChannel 1: a lot.\n\nChannel 0: are? Okay.\n\nChannel 1: Yeah. No.\n\nChannel 0: Perfect.\n\nChannel 1: I've been doing quite a lot. But, see, I\n\nChannel 0: Okay.\n\nChannel 1: find that rather than paying someone $90 an hour at the moment\n\nChannel 0: Mhmm.\n\nChannel 1: to, like, you know, paint and do things that I can do and allow me\n\nChannel 0: Yeah.\n\nChannel 1: to be at\n\nChannel 0: Yeah.\n\nChannel 1: home full time when my husband comes home, then work on his\n\nChannel 0: Yeah.\n\nChannel 1: way. It just gives us freedom.\n\nChannel 0: Yeah.\n\nChannel 1: So me working, it's not like I'm not doing anything at home. I'm painting.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I'm tyleeing. I've just, yeah, redone our reskinned our back shed and, like, you know, done all the\n\nChannel 0: Oh,\n\nChannel 1: things.\n\nChannel 0: wow.\n\nChannel 1: But all these things are happening, and it's, like, makes a massive difference. So I have to that having to redraw on it.\n\nChannel 0: Yeah. Oh, no. That's good. Especially if you have those skills or learn the skills\n\nChannel 1: Well,\n\nChannel 0: to do it.\n\nChannel 1: all of\n\nChannel 0: You\n\nChannel 1: us\n\nChannel 0: know?\n\nChannel 1: can actually do it. It's really freaking easy. You just gotta, like, be bothered and actually, like, have a fair amount of tools available to you as\n\nChannel 0: Yes.\n\nChannel 1: well. So, you know, if you've got the tools in the names, it's easy, but it's very\n\nChannel 0: Yeah.\n\nChannel 1: difficult if you don't have them.\n\nChannel 0: Yeah. And I think that's my problem that I'm just like, oh, not the time or the tools, and\n\nChannel 1: Well, the\n\nChannel 0: that's\n\nChannel 1: investment\n\nChannel 0: it.\n\nChannel 1: that's it. To invest in\n\nChannel 0: Yeah.\n\nChannel 1: the tools, it's it's like they're expensive. And so if you're going to use them and you can see the value in having them, well, then it's great.\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: Yeah.\n\nChannel 1: Like, it's amazing what you can do with a nail gun and a staple gun and\n\nChannel 0: I can\n\nChannel 1: and\n\nChannel 0: imagine.\n\nChannel 1: yeah.\n\nChannel 0: And a goodwill.\n\nChannel 1: No. It's fun. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. All you need these\n\nChannel 0: Perfect.\n\nChannel 1: days is, like, a couple of like, you need to, like, go, oh, Zita or what what what brand am I gonna use? And you gotta see like, it's a really it's really easy to be able to, like with all the battery charged tools and stuff, like, with the with the, like, rechargeable batteries that are all multi you know, they they all go into the same sort. It's amazing. Tools are a lot cheaper, and you can actually do so much more now.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: So much easier\n\nChannel 0: Yeah.\n\nChannel 1: for females to learn who like\n\nChannel 0: Yeah.\n\nChannel 1: crafting. If you can craft, you can do you can\n\nChannel 0: Yeah.\n\nChannel 1: do renovating.\n\nChannel 0: Yeah. That that makes sense, and that's good. And I'll keep that\n\nChannel 1: Can't\n\nChannel 0: in mind.\n\nChannel 1: believe it. Yeah. Believe it.\n\nChannel 0: Now,\n\nChannel 1: Yeah.\n\nChannel 0: Shannon, I like I said, I won't get you to sign the OSA now. I'm happy\n\nChannel 1: Yeah.\n\nChannel 0: to just leave it because, obviously, do the proposal fast\n\nChannel 1: Yeah.\n\nChannel 0: and then see how you feel. Now\n\nChannel 1: Thank you.\n\nChannel 0: it will take me about, let me see here, typically about a week or so to put it all together. Now\n\nChannel 1: Yeah.\n\nChannel 0: because I'm doing let me have a look here. Next week, I'm pretty fully booked. The following week, Monday, the first to the fourth. Do you have any availability?\n\nChannel 1: Yeah. That's fine. I'm free all day Monday.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Really\n\nChannel 0: Now\n\nChannel 1: into schooling.\n\nChannel 0: let me yeah. Which is great because usually after\n\nChannel 1: Yeah.\n\nChannel 0: hours fills up the fastest. So school hours, I love it.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Sorry. Let me have a look here. Sorry. Monday, I could do I could do 01:30 my time, which would be 11:30 your time. Would that work?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: So I will book that in on Monday, June 1 at 11:30AM your time. Now\n\nChannel 1: Yep.\n\nChannel 0: would you like a reminder text sent, like, two hours before the appointment if anything does come up and you can't\n\nChannel 1: Yes,\n\nChannel 0: make it?\n\nChannel 1: please.\n\nChannel 0: Yeah.\n\nChannel 1: Yes, please.\n\nChannel 0: No worries. If anything does change, though, like I said, you can't make it or need to reschedule, just let me know, and I'll see\n\nChannel 1: Yep.\n\nChannel 0: if I can shuffle a few things around for you.\n\nChannel 1: It's\n\nChannel 0: But\n\nChannel 1: fine.\n\nChannel 0: otherwise\n\nChannel 1: I haven't yeah.\n\nChannel 0: okay. Perfect.\n\nChannel 1: It'll\n\nChannel 0: Otherwise,\n\nChannel 1: be fine.\n\nChannel 0: I will give you a call on Monday, June 1 at 11:30AM your time, and I'll go through the proposal of potentially estimated at best, checking on your investments a little bit more, and then also the income protection and get all\n\nChannel 1: Yep.\n\nChannel 0: of that sorted for you. And then we\n\nChannel 1: Excellent.\n\nChannel 0: can take it from there.\n\nChannel 1: Sounds great.\n\nChannel 0: No worries.\n\nChannel 1: Alright,\n\nChannel 0: Do\n\nChannel 1: Katie.\n\nChannel 0: you have\n\nChannel 1: Thank\n\nChannel 0: any\n\nChannel 1: you\n\nChannel 0: other\n\nChannel 1: so much\n\nChannel 0: questions\n\nChannel 1: for that.\n\nChannel 0: for me, or that's all\n\nChannel 1: No.\n\nChannel 0: good\n\nChannel 1: At\n\nChannel 0: for now?\n\nChannel 1: the moment, all good.\n\nChannel 0: No?\n\nChannel 1: Looking forward\n\nChannel 0: Okay.\n\nChannel 1: to, yeah, looking forward\n\nChannel 0: Yeah.\n\nChannel 1: to what you come back with, actually.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: thank you.\n\nChannel 0: Well, sir, if there's\n\nChannel 1: Alright.\n\nChannel 0: anything you need in the meantime, Shannon, don't hesitate to give me a call or send me an email. Okay?\n\nChannel 1: I will. Thank you.\n\nChannel 0: Okay. No worries. Well, thanks\n\nChannel 1: Thanks,\n\nChannel 0: again.\n\nChannel 1: Anne. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.033161453902721405},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.01768536085728556}],"sentiment":"neutral","sentiment_score":0.01859571927172296,"channel":1,"num_words":17,"start":0.16,"end":4.98},{"sentences":[{"text":"Veronica, Equity Financial.","start":6.3999996,"end":8.18,"sentiment":"neutral","sentiment_score":0.04771416758497556}],"sentiment":"neutral","sentiment_score":0.04771416758497556,"channel":0,"num_words":3,"start":6.3999996,"end":8.18},{"sentences":[{"text":"Thanks.","start":12.639999,"end":13.139999,"sentiment":"positive","sentiment_score":0.41846707463264465},{"text":"Please stay on the line.","start":13.625,"end":15.165,"sentiment":"neutral","sentiment_score":0.22197697162628174},{"text":"Hello?","start":19.545,"end":20.045,"sentiment":"neutral","sentiment_score":0.09457293152809144}],"sentiment":"neutral","sentiment_score":0.23184640918459212,"channel":1,"num_words":7,"start":12.639999,"end":20.045},{"sentences":[{"text":"Good morning.","start":20.975,"end":21.455,"sentiment":"neutral","sentiment_score":0.2408760040998459},{"text":"Is this 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newsletter,","start":3592.3198,"end":3595.2998,"sentiment":"neutral","sentiment_score":0.0682793453335762}],"sentiment":"neutral","sentiment_score":0.07382331043481827,"channel":0,"num_words":7,"start":3590.88,"end":3595.2998},{"sentences":[{"text":"Okay.","start":3595.25,"end":3595.75,"sentiment":"neutral","sentiment_score":0.11103476583957672}],"sentiment":"neutral","sentiment_score":0.11103476583957672,"channel":1,"num_words":1,"start":3595.25,"end":3595.75},{"sentences":[{"text":"and it is comes out once a month, typically.","start":3595.8398,"end":3598.5798,"sentiment":"neutral","sentiment_score":0.1175752224193679},{"text":"And if you are obviously receiving emails from us, otherwise, it should not go to spam.","start":3602.7249,"end":3607.925,"sentiment":"neutral","sentiment_score":0.06797306681983173},{"text":"Sometimes it goes to spam, but yeah.","start":3607.925,"end":3612.025,"sentiment":"neutral","sentiment_score":-0.025524162288222994}],"sentiment":"neutral","sentiment_score":0.061471154214814305,"channel":0,"num_words":32,"start":3595.8398,"end":3612.025},{"sentences":[{"text":"I received yeah.","start":3611.915,"end":3616.735,"sentiment":"neutral","sentiment_score":0.03593399872382482},{"text":"Okay.","start":3616.795,"end":3617.275,"sentiment":"neutral","sentiment_score":0.10852020233869553},{"text":"It's showing a bit.","start":3617.275,"end":3618.235,"sentiment":"neutral","sentiment_score":0.11585417948663235},{"text":"Okay.","start":3618.235,"end":3618.635,"sentiment":"neutral","sentiment_score":0.07568080723285675},{"text":"So where is this going?","start":3618.635,"end":3619.935,"sentiment":"neutral","sentiment_score":0.050323080644011496}],"sentiment":"neutral","sentiment_score":0.07193108049354383,"channel":1,"num_words":14,"start":3611.915,"end":3619.935},{"sentences":[{"text":"I'm just looking.","start":3619.995,"end":3620.795,"sentiment":"neutral","sentiment_score":0.011641406764586767},{"text":"I've just, like, done a massive search on my phone.","start":3620.795,"end":3623.455,"sentiment":"neutral","sentiment_score":0.025277527049183846}],"sentiment":"neutral","sentiment_score":0.022130730060430672,"channel":1,"num_words":13,"start":3619.995,"end":3623.455},{"sentences":[{"text":"Mhmm.","start":3624.26,"end":3624.5,"sentiment":"neutral","sentiment_score":0.009802762418985369},{"text":"Yeah.","start":3624.5,"end":3625.0,"sentiment":"neutral","sentiment_score":0.03473317623138428}],"sentiment":"neutral","sentiment_score":0.022267969325184822,"channel":0,"num_words":2,"start":3624.26,"end":3625.0},{"sentences":[{"text":"And I'm and I'm I think it's it's been going into must be going okay.","start":3624.875,"end":3631.85,"sentiment":"neutral","sentiment_score":0.003558890405111015},{"text":"No.","start":3631.85,"end":3632.25,"sentiment":"neutral","sentiment_score":-0.08608804643154144},{"text":"That's a 05/20/2025, 08/10/2022, 03/26/2026.","start":3632.25,"end":3646.645,"sentiment":"neutral","sentiment_score":-0.05438183918595314},{"text":"Oh, no.","start":3647.265,"end":3647.665,"sentiment":"neutral","sentiment_score":-0.10740209370851517},{"text":"That's that's gone to quarter forty eight of August.","start":3647.665,"end":3653.79,"sentiment":"neutral","sentiment_score":-0.12506551378303105}],"sentiment":"neutral","sentiment_score":-0.05140649055465474,"channel":1,"num_words":32,"start":3624.875,"end":3653.79},{"sentences":[{"text":"I think I'm really getting that one, maybe one oh, gosh.","start":3653.79,"end":3660.35,"sentiment":"neutral","sentiment_score":-0.15098925138061697},{"text":"Doesn't look very regular here.","start":3660.35,"end":3662.1301,"sentiment":"neutral","sentiment_score":-0.1578688770532608},{"text":"40","start":3663.1501,"end":3663.4702,"sentiment":"neutral","sentiment_score":-0.012927386909723282}],"sentiment":"neutral","sentiment_score":-0.14489138455075376,"channel":1,"num_words":17,"start":3653.79,"end":3663.4702},{"sentences":[{"text":"Okay.","start":3663.2,"end":3663.5999,"sentiment":"neutral","sentiment_score":-0.011266781017184258}],"sentiment":"neutral","sentiment_score":-0.011266781017184258,"channel":0,"num_words":1,"start":3663.2,"end":3663.5999},{"sentences":[{"text":"eight","start":3663.4702,"end":3663.79,"sentiment":"neutral","sentiment_score":-0.011541137471795082}],"sentiment":"neutral","sentiment_score":-0.011541137471795082,"channel":1,"num_words":1,"start":3663.4702,"end":3663.79},{"sentences":[{"text":"That's","start":3663.5999,"end":3663.92,"sentiment":"neutral","sentiment_score":-0.06464950740337372}],"sentiment":"neutral","sentiment_score":-0.06464950740337372,"channel":0,"num_words":1,"start":3663.5999,"end":3663.92},{"sentences":[{"text":"of","start":3663.79,"end":3664.03,"sentiment":"neutral","sentiment_score":-0.08148018270730972}],"sentiment":"neutral","sentiment_score":-0.08148018270730972,"channel":1,"num_words":1,"start":3663.79,"end":3664.03},{"sentences":[{"text":"strange.","start":3663.92,"end":3664.42,"sentiment":"neutral","sentiment_score":-0.09981692582368852}],"sentiment":"neutral","sentiment_score":-0.09981692582368852,"channel":0,"num_words":1,"start":3663.92,"end":3664.42},{"sentences":[{"text":"August, 11/17/2025.","start":3664.03,"end":3666.945,"sentiment":"neutral","sentiment_score":-0.039749324321746826},{"text":"But not and the only thing I've received this year is the twenty sixth annual review from Whitland Smith's quarter summary on the March 26, but that went to quarter.","start":3666.945,"end":3679.845,"sentiment":"neutral","sentiment_score":-0.025237450019146006}],"sentiment":"neutral","sentiment_score":-0.026144442163058557,"channel":1,"num_words":32,"start":3664.03,"end":3679.845},{"sentences":[{"text":"Okay.","start":3680.2551,"end":3680.7551,"sentiment":"neutral","sentiment_score":0.019914770498871803},{"text":"Weird.","start":3681.055,"end":3681.555,"sentiment":"neutral","sentiment_score":0.018856897950172424}],"sentiment":"neutral","sentiment_score":0.019385834224522114,"channel":0,"num_words":2,"start":3680.2551,"end":3681.555},{"sentences":[{"text":"Looks 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They offer to review the customer's investments and provide a recommendation, emphasizing the benefits of working until 67 and maintaining a positive investment portfolio. The speaker emphasizes the importance of understanding risks and creating a clear understanding of risks, and discusses the benefits of self-managed accounts with BlackRock. They schedule a meeting for a proposal and provide information on retirement plans and goals."},"intents":{"segments":[{"text":"I had you booked in this morning for a bit of a catch up and to go through your annual review. Is now still a good time for you?","start_word":54,"end_word":82,"intents":[{"intent":"Schedule review","confidence_score":0.028576886}]},{"text":"I will 100% look at tax and lease afterwards. 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Like, Mhmm.","start_word":4318,"end_word":4349,"intents":[{"intent":"Requesting an outline of the report","confidence_score":0.00015835425}]},{"text":"a like, I haven't seen a report or anything of Yes.","start_word":4353,"end_word":4363,"intents":[{"intent":"Obtaining a report or document","confidence_score":0.00035405532}]},{"text":"No paperwork. No. Like, okay. Here. This is this is I haven't seen. If you could please send me through a a snapshot, like, of of my of the, like, the performance of the Yes. of Last it twelve for months. the last year, that'd be fabulous. Yeah.","start_word":4372,"end_word":4419,"intents":[{"intent":"Obtaining a resolution for missing documents","confidence_score":0.0000011331425}]},{"text":"If you could please send me through a a snapshot, like, of of my of the, like, the performance of the Yes. of Last it twelve for months. the last year, that'd be fabulous. 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You mentioned host plus.","start_word":5029,"end_word":5049,"intents":[{"intent":"Include in research","confidence_score":0.014683467}]},{"text":"Because normally, we Especially we if assess you're requesting everything. 1% of my whole balance.","start_word":5097,"end_word":5111,"intents":[{"intent":"Consider requesting things","confidence_score":0.00013947171},{"intent":"Assess/recommend choices","confidence_score":6.052384e-7}]},{"text":"Now, Shannon, do you have access to your emails?","start_word":5195,"end_word":5203,"intents":[{"intent":"Confirm access to emails","confidence_score":0.0293954}]},{"text":"Now the good thing with how it is structured now is that you don't have to click on the link where it says sign out. That is to sign the ongoing service agreement, and I can leave that for now and include it in the proposal for you when you have all the information. 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We would only need enough to clear our mortgage, which is Okay. about 3 it's about $400, really, 354 About 100 three to hundred make fifty. it easy.","start_word":5864,"end_word":5935,"intents":[{"intent":"Confirm amount of money needed","confidence_score":0.000023500288}]},{"text":"I can't cancel it without the Yeah. proposal for you first, but I will conclude it, and we'll do it in a very short amount of time for you to cancel income protection.","start_word":6193,"end_word":6225,"intents":[{"intent":"Cancel income protection","confidence_score":0.16713126}]},{"text":"if it's And so to have that coming from my super, then that would be, like, TPA $400 or something like that instead of Yeah. would it be a a a bath? If it was to be halved, would that pretty much halved the the premium? Not necessarily.","start_word":6569,"end_word":6616,"intents":[{"intent":"Determine interest rate","confidence_score":0.00441133}]},{"text":"feel like canceling income protection will make a big difference in premium. If you still feel like life and TIP is too high and you kind of just wanna cover mortgage with a little bit of extra, I can get a quote for 500 for you if you want. And I can also assess just 3 because you said your mortgage is $3.50. Is that correct? Correct.","start_word":6699,"end_word":6765,"intents":[{"intent":"Provide quote","confidence_score":0.0037138509}]},{"text":"I need to do you wanna know what I probably need to do if I actually read the policy and see what it covers me for? Yes.","start_word":6932,"end_word":6958,"intents":[{"intent":"Assess insurance coverage","confidence_score":0.0062920707}]},{"text":"So, for example, if you have a high risk occupation or minus or truck drivers, if something were to happen and they, for example, let's say, can't walk, they probably can't do their job. But if you are in an off space role, you might be able to still do it. So it is also Yeah.","start_word":7210,"end_word":7265,"intents":[{"intent":"Evaluate career opportunities","confidence_score":0.009612971}]},{"text":"computer facet of environment, and that is unlikely to be affected unless I unless something unless that something is, you know, with your mental cognitive Yes.","start_word":7573,"end_word":7598,"intents":[{"intent":"Evaluate mental health","confidence_score":0.00022134649}]},{"text":"Otherwise, if we go back to your email, you should then have the one where it says twelve month hub IRR. Yeah. Now this is the one that shows you how your portfolio has performed and everything in the last twelve months. So let me know when you can open that one. Yeah.","start_word":8594,"end_word":8646,"intents":[{"intent":"Create portfolio reports","confidence_score":0.00008763151}]},{"text":"Now sometimes it does look a little bit messy because it shows you all your individual investments, how they have performed, and what has happened in the last twelve months.","start_word":8652,"end_word":8681,"intents":[{"intent":"Discuss investment trends","confidence_score":0.014100616}]},{"text":"And at the moment, when do you think you would like to access your super?","start_word":9146,"end_word":9160,"intents":[{"intent":"Access superannuation","confidence_score":0.07174017}]},{"text":"seven is if you are, yeah, eligible for age pension.","start_word":9386,"end_word":9395,"intents":[{"intent":"Confirm eligibility","confidence_score":0.0006776629}]},{"text":"If you are working, there is you can access some super up to 10% under a transition to retirement between 60 and 65. But if you are not working, you can take the whole lump sum out if you want to at 60 tax free. Okay.","start_word":9397,"end_word":9442,"intents":[{"intent":"Access super dividends","confidence_score":0.0008997234}]},{"text":"typically what we we typically see that, obviously, the closer you get to wanting to take out your money, you might wanna start reducing that risk exposure because you Exactly.","start_word":9901,"end_word":9930,"intents":[{"intent":"Analyze options for future","confidence_score":2.0759623e-10}]},{"text":"So right now, thinking about your super, how much risk would you say that you're willing to take?","start_word":9939,"end_word":9956,"intents":[{"intent":"Determine risk level","confidence_score":0.064215556}]},{"text":"So if we look at, you say, your balance growth are more defensive, other times, especially when there's a lot of fluctuations in the market, especially, you know, the last twelve months where there's been a bit of ups and downs, some defensive are doing really well.","start_word":10058,"end_word":10104,"intents":[{"intent":"Understand market fluctuations","confidence_score":0.003156493}]},{"text":"So when we are looking at it, we are looking over a longer period of time to assess Uh-huh. it.","start_word":10122,"end_word":10141,"intents":[{"intent":"Assess portfolio","confidence_score":0.0856397}]},{"text":"Because, otherwise, what's the point taking on the the short term risk if you're not getting that?","start_word":10272,"end_word":10288,"intents":[{"intent":"Evaluate short-term risk","confidence_score":0.010159689}]},{"text":"So I will kind of deep dive into the investment. But in terms of the allocation on how much goes in what sector is what these questions kind of determine for you.","start_word":10323,"end_word":10354,"intents":[{"intent":"Explore investment allocation","confidence_score":0.17517123}]},{"text":"I think so it's kind of like, where is all my money tied up at the moment? Like, what are the what are the actual funds of a I can't understand what these That's okay.","start_word":10426,"end_word":10460,"intents":[{"intent":"Understand funds","confidence_score":0.06377663}]},{"text":"Do you have conserve like, what what Vanguard do conserve the HF unit?","start_word":10501,"end_word":10513,"intents":[{"intent":"Conserve hf unit","confidence_score":0.086464845}]},{"text":"So it's hard for me to just tell what these portfolios are for because, okay, yes, they're recognizable names, but I don't know what they're What's actually. in them?","start_word":10544,"end_word":10572,"intents":[{"intent":"Identify portfolios","confidence_score":0.0880309}]},{"text":"The ones that I will recommend, I will include investment links for them as well.","start_word":10610,"end_word":10624,"intents":[{"intent":"Include investment links","confidence_score":0.18462269}]},{"text":"So I'll go and expect when I do if I do recommend changes, I will go through them in a little bit more in-depth with you to give you a bit of an overview of what is in it, Yep.","start_word":10625,"end_word":10664,"intents":[{"intent":"Provide overview of investment options","confidence_score":0.01136874}]},{"text":"At the moment, thinking about risk, did you say you are more towards your still high growth you're comfortable with when we are just talking about As it from long a back as it's end in point the right of view? Okay.","start_word":10764,"end_word":10805,"intents":[{"intent":"Discuss risk and investment options","confidence_score":0.0024314874},{"intent":"Discuss high growth and ai","confidence_score":0.07182918}]},{"text":"when the Internet arrived, like, the most Yeah. millionaires are gonna arrive with the Internet. It's like AI brewing.","start_word":10876,"end_word":10894,"intents":[{"intent":"Evaluate internet's impact","confidence_score":0.01950463}]},{"text":"and it is comes out once a month, typically. And if you are obviously receiving emails from us, otherwise, it should not go to spam. Sometimes it goes to spam, but yeah. I received yeah. Okay.","start_word":11537,"end_word":11572,"intents":[{"intent":"Check newsletter usage","confidence_score":0.00031538476}]},{"text":"will have to See change if you can it so that it comes up in my Yes.","start_word":11696,"end_word":11712,"intents":[{"intent":"Change newsletter date","confidence_score":0.002107978}]},{"text":"And I will also just check with IT if there's a bug or something because you should be receiving them. But, yeah, flag it as not spam so you do get them, but I will also follow-up with IT to see if there's, like, a a bug or something Yeah.","start_word":11714,"end_word":11763,"intents":[{"intent":"Check with it","confidence_score":0.034293026}]},{"text":"So not a self managed super fund, an SMA. Have you ever heard of that No. structure before?","start_word":11855,"end_word":11872,"intents":[{"intent":"Describe sma structure","confidence_score":0.02144379},{"intent":"Explain role of sma","confidence_score":0.010951548},{"intent":"Explain sma structure","confidence_score":0.4306434},{"intent":"Explain structure of sma","confidence_score":0.0030201622},{"intent":"Explain sma structure","confidence_score":0.3823842},{"intent":"Explain sma structure","confidence_score":0.43254626}]},{"text":"So not a self managed super fund, an SMA. Have you ever heard of that No. structure before? I haven't.","start_word":11855,"end_word":11874,"intents":[{"intent":"Express confidence in self-management","confidence_score":0.0000033225097}]},{"text":"Have you ever heard of that No. structure before?","start_word":11863,"end_word":11871,"intents":[{"intent":"Mention sma structure","confidence_score":0.0022502986}]},{"text":"So what an SMA is, it is a self managed account. So it can still very much look similar to how you have 24 set up where you do have a heap of different investment that you are invested in.","start_word":11876,"end_word":11915,"intents":[{"intent":"Explain current investments","confidence_score":0.0023216119}]},{"text":"The the positive thing with the SMA is that how it's set up, it will allow us a little bit more flexibility in making changes for you quickly. So, for example, Okay.","start_word":11916,"end_word":11947,"intents":[{"intent":"Explain simplicity of portfolio changes","confidence_score":0.00083245785},{"intent":"Explain advantages of sma","confidence_score":0.0037899993},{"intent":"Discuss impact of changes on portfolio","confidence_score":0.00006136878}]},{"text":"with the SMA, how it is differently is that you would be invested in a portfolio. So let's just call it a high growth portfolio. Now within that portfolio, you still have a range of different investments similar to what you would have now in terms of how many options and stuff like that. But Yeah.","start_word":12065,"end_word":12120,"intents":[{"intent":"Explain high growth portfolio","confidence_score":0.015399905},{"intent":"Describe portfolio options","confidence_score":0.0011027644},{"intent":"Explain portfolio options","confidence_score":0.015445568}]},{"text":"And because we have joined with BlackRock on it, we're obviously using all of their investment team as well as our internal investment team to kind of build and create these different portfolios, and we get access to all of their kind of risk management software as well. Okay.","start_word":12276,"end_word":12324,"intents":[{"intent":"Create portfolios","confidence_score":0.012954811}]},{"text":"It sounds like it's minimizing a whole lot of admin Mhmm. and time.","start_word":12379,"end_word":12391,"intents":[{"intent":"Maximize admin","confidence_score":0.04356163}]},{"text":"But if I do Mhmm. the Yep. research and it shows off that, well, it's actually a very competitive option and it is putting you in a better position than other options, then I will consider it. Yeah.","start_word":12522,"end_word":12559,"intents":[{"intent":"Consider sma option","confidence_score":0.030774197}]},{"text":"What I can also do is I can send you an email just so if you wanted to read off on a little bit between now and our next call about Yes. the SMA. So I can send you, like, a bit of a brochure and some information, just some general information in regards to the SMA so that you can have a read over it.","start_word":12560,"end_word":12625,"intents":[{"intent":"Send brochure","confidence_score":0.36340263}]},{"text":"If I do decide to recommend it, I will have everything in the proposal anyway. So it will be, like, a full Yeah. extended version of everything if it turns out to be the best Yeah. option for you.","start_word":12627,"end_word":12665,"intents":[{"intent":"Evaluate proposal features","confidence_score":0.0069135227}]},{"text":"Now how much is your property valued at the moment?","start_word":13081,"end_word":13090,"intents":[{"intent":"Assess property value","confidence_score":0.03284628}]},{"text":"Do you have someone that you know or that you can go to, or would you like me to include, like, a brochure of one of the firms we work closely with as, like, pricing and stuff?","start_word":13646,"end_word":13682,"intents":[{"intent":"Request brochure","confidence_score":0.09680752},{"intent":"Inquire about services","confidence_score":0.0010937981}]},{"text":"Other goals that you kind of were working towards in the next twelve months, paying off the mortgage I have here, and do some renovations to the home. Is that Yeah.","start_word":13767,"end_word":13797,"intents":[{"intent":"Determine goals","confidence_score":0.0074293544},{"intent":"Determine purpose","confidence_score":0.014851059}]},{"text":"You just gotta, like, be bothered and actually, like, have a fair amount of tools available to you as Yes.","start_word":13970,"end_word":13989,"intents":[{"intent":"Discuss utilizing tools","confidence_score":0.1530481}]},{"text":"You just gotta, like, be bothered and actually, like, have a fair amount of tools available to you as Yes. well.","start_word":13970,"end_word":13990,"intents":[{"intent":"Discuss tool options","confidence_score":0.0033675837},{"intent":"Discuss locating tools","confidence_score":0.00015940212}]},{"text":"days is, like, a couple of like, you need to, like, go, oh, Zita or what what what brand am I gonna use? And you gotta see like, it's a really it's really easy to be able to, like with all the battery charged tools and stuff, like, with the with the, like, rechargeable batteries that are all multi you know, they they all go into the same sort.","start_word":14111,"end_word":14179,"intents":[{"intent":"Discuss incorporating tools with battery charged tools","confidence_score":0.0000017691494},{"intent":"Discuss purchasing tools","confidence_score":0.01692761}]},{"text":"Tools are a lot cheaper, and you can actually do so much more now. Yes. Yeah.","start_word":14182,"end_word":14197,"intents":[{"intent":"Discuss combining tools","confidence_score":0.0010738149}]},{"text":"Shannon, I like I said, I won't get you to sign the OSA now. I'm happy Yeah.","start_word":14244,"end_word":14260,"intents":[{"intent":"Discuss prosa","confidence_score":0.00044489518}]},{"text":"So I will book that in on Monday, June 1 at 11:30AM your time. Now Yep.","start_word":14404,"end_word":14419,"intents":[{"intent":"Book appointment","confidence_score":0.3995248}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Veronica, Equity Financial.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.024722272530198097},{"text":"Thanks.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.41846707463264465},{"text":"Please stay on the line. Hello? Good morning. Is this Shannon? Yes. Speaking. This is Veronica from Xfinity Financial. How are you? Yeah. Good day, Veronica. How are you? Yeah.","start_word":21,"end_word":50,"sentiment":"neutral","sentiment_score":0.17746677994728088},{"text":"I'm good. Thanks.","start_word":51,"end_word":53,"sentiment":"positive","sentiment_score":0.5807385444641113},{"text":"I had you booked in this morning for a bit of a catch up and to go through your annual review. Is now still a good time for you? Yep. Let's get it done.","start_word":54,"end_word":87,"sentiment":"neutral","sentiment_score":0.2907295227050781},{"text":"It's been Perfect.","start_word":88,"end_word":90,"sentiment":"positive","sentiment_score":0.4156010150909424},{"text":"been overdue. Mhmm.","start_word":91,"end_word":93,"sentiment":"neutral","sentiment_score":0.21552366018295288},{"text":"That is all good.","start_word":94,"end_word":97,"sentiment":"positive","sentiment_score":0.4075394570827484},{"text":"Yep. Now I know as well that you have spoken to my colleague, Larissa, before. Yeah. And I think from the last conversation, you were kind of wanting to hold off a little bit until she sorted out advice for Craig from memory. Yeah. Does I that was ring just a bell? it was mostly yeah. I just yeah. We just had a very busy beginning of the year, and I sort of wanted Yeah. to see how few things played out with regards to, you know, global markets and all that sort of stuff. Yep. You know, just everything was just like, I was like, it's a bit hard to try and make big decisions right the minute when we're going through a massive just like the whole petrol thing just kicked off and all that sort of stuff. We're like, Yes. not sure what I wanna do just yet. No. That is all good. That is all good. And now before I do go any fur further, Shannon, I do need to let you know that the calls are being recorded for Yep. quality Yeah. and coaching That's purposes. fine. Perfect. And just Yeah. for security purposes, just so that I can confirm I am speaking with the right person, could I get you to confirm just your full name, date of birth, and address, please? Yep. Shannon Dickinson. 20 Martha Street, Beaconfield. 05/28/1976, and O488542466. Yeah.","start_word":98,"end_word":336,"sentiment":"neutral","sentiment_score":-0.05126455053687096},{"text":"Perfect.","start_word":337,"end_word":337,"sentiment":"positive","sentiment_score":0.37904155254364014},{"text":"You got your birthday coming up soon. Do you have anything planned? Yeah.","start_word":338,"end_word":350,"sentiment":"neutral","sentiment_score":0.15071764588356018},{"text":"I just had a big fiftieth birthday on the weekend, so big party. Lovely.","start_word":351,"end_word":364,"sentiment":"positive","sentiment_score":0.559093713760376},{"text":"No. No. Recovering still? Oh, Yeah. Correct. no. Yeah. Yeah. Still cover recovering. We sort of, yeah, put that that was sort of a bit of a reason I had yes. There's so much going on Yeah. in the later, but it was like, okay. Yeah. I will 100% look at tax and lease afterwards. Yeah. And Yeah. sometimes that's it. So, like, a lot is happening, and we can always you know, I totally understand that too, that there are periods of time where it just thinks a bit crazy. We can always push it out and stuff. We can Yeah. obviously work with work with that. That is no problem.","start_word":365,"end_word":476,"sentiment":"neutral","sentiment_score":0.00991593487560749},{"text":"Yeah. Thank you.","start_word":477,"end_word":479,"sentiment":"positive","sentiment_score":0.4303582310676574},{"text":"No. That's all good. Now what I will do first with you there, Shannon, is just to run through a bit of a updated fact find just to What see if was there that? Sorry. is A what? yeah. So I will just run through a bit of an updated fact find with you. Oh, yes. Thank you. Basically, Mhmm. yeah, just running through your information to see if there's anything major that has changed and if we do need to make any changes to your advice at all. Yep. I'm So not just working kind at of the bear moment. with me. No. That's okay. So it might be good for us to do a bit of an updated strategy for you just to see where things are at anyway. Correct. Yes. Good to do, especially I'm it's sure been I'm some paying time. lots of taxes and stuff, like, income tax. I don't know. Not income tax. Sorry. What do you call it? Not sure if I'm paying insurances and stuff for things that I'm not Yes. doing You are. So let me we'll go through everything. And then I think what we should do, especially with if you're not working, obviously, and because it's obviously been a bit with the market the last twelve months, I yep.","start_word":480,"end_word":699,"sentiment":"neutral","sentiment_score":-0.00460529699921608},{"text":"think it is good for me to go and do do a bit of an updated strategy for you after today.","start_word":700,"end_word":720,"sentiment":"positive","sentiment_score":0.6651250123977661},{"text":"Yep.","start_word":721,"end_word":721,"sentiment":"neutral","sentiment_score":0.2681865394115448},{"text":"It will take me about a week or two to put it all together, and it is a good just kind of touching point to see, okay.","start_word":722,"end_word":748,"sentiment":"positive","sentiment_score":0.4281420409679413},{"text":"Well, do we wanna make any changes to investment depending what's happening? And, also, everything else, touch base with insurances and see what you Can wanna I just do so we can yeah? Can I just ask, like, when everything of course. like, the and Big Rose and White didn't wanna change anything? The last time Yeah. when they were sort of rang was because everything just had just totally plummeted. And Yes. it was kind of like, well, to sell everything, that's had an absolute way. Okay. Yeah. You might be Yeah. buying other things at an absolute way. But if everybody's dumping and buying, then, you know, if something's cheaper and something's more expensive, it's kind Yes. of like a do you wait for it to plateau a little bit and just ride it for five you know, just until Yeah. it's sort of you know, which I think was the smartest thing to do if it was done Yes. because things are sort of, you know, regulating have regulated Yes. well, stabilized It definitely slightly. has. I'm not one of those ones. I've lived in lived around the block and back a bit enough Yeah. to know that things do stabilize. And if you just Yes. dump and run like everybody else, then you just sort of, you know, start buying buying at a boom. Yes. Yeah. You know? And it's like, well, buying in a boom. Like, why? Just Yeah. yeah.","start_word":749,"end_word":993,"sentiment":"neutral","sentiment_score":-0.0028046562802046537},{"text":"And Anyway, it it's is good that you do have that understanding as well. That is really good, and it it is very true.","start_word":994,"end_word":1017,"sentiment":"positive","sentiment_score":0.5117032527923584},{"text":"And there are obviously, you can never predict what's going to happen with the market, but when we do look at historically as well, like you said as well, long term market always goes up. Short term, there will be some ups and downs and market fluctuations. And if it is a bit of a downtime at the moment, you might not want to change investments or you might not want to change everything. Or you might just wanna wait, like, wait a couple So of weeks for it to just sort of let you know, how you have your massive stay. correction. Yes. Just wait for it to up. Yes. It's like Exactly. but don't don't sell it straight away because you're Yes.","start_word":1018,"end_word":1141,"sentiment":"neutral","sentiment_score":-0.09799498558089498},{"text":"just losing a lot more than you should probably need to. And I don't really feel like I'm in that desperate position that I need to try and sort of, like, you know, need to react in that sort of space.","start_word":1142,"end_word":1182,"sentiment":"negative","sentiment_score":-0.5335150361061096},{"text":"So Yes. that was my main reasoning for just holding out, thinking, okay. Well, Mhmm. Yep. Craig's changing, and I'm Yes. not. So, like, at least, Yep. this is, like, hedging our bets. Yes. So can I just ask, like because I've Yeah. sort of, like, just gone, look, just hold? Because I had all this high risk stuff anyway, and I'm like, oh, man. Well, you know, like, you sell that now. It's gonna be, like, worth zero, like, to buy into, like, whatever. It's kinda you know what I'm saying? I hope Yes. you're hearing what I'm saying.","start_word":1183,"end_word":1282,"sentiment":"neutral","sentiment_score":-0.13488420844078064},{"text":"I'm not very good No. at I explaining do.","start_word":1283,"end_word":1291,"sentiment":"negative","sentiment_score":-0.46445930004119873},{"text":"it. I do I'm hear obviously, you. like, recovering from my fidget party, so I'm not really Yeah.","start_word":1292,"end_word":1309,"sentiment":"neutral","sentiment_score":-0.192398801445961},{"text":"that bit comatose still too fair.","start_word":1310,"end_word":1315,"sentiment":"negative","sentiment_score":-0.4887812435626984},{"text":"But the so, basically, yeah, where are we at the moment? Where do we stand? Yeah.","start_word":1316,"end_word":1331,"sentiment":"neutral","sentiment_score":-0.15385912358760834},{"text":"So well, I and it is very valid points as well.","start_word":1332,"end_word":1342,"sentiment":"positive","sentiment_score":0.3870331346988678},{"text":"And some of it, it is definitely true where you do wanna hold off and wait for that to come back around, especially if it's more like your cyclical investments that we do see kind of coming back around. So This if is we your high because temp. exactly. Mhmm. So we do, obviously, research on all the investments all the time, and we wanna make sure that we do have in the best options at all times. And there are going to be times where investments have potentially underperformed a little bit, and then we have to assess, okay. Well, do we want to sell it when it's down? Do we foresee it coming back around or not? So Yep. part of the research I will go and do today, which actually, do you have access to your emails at the moment, Shannon? I do. Yep. I Okay. do. So what we can start with is I have to send you an email with some documents. Mhmm. And if you could have a look at them for me, we can That was start a, like there. because see, is that all, like, the advisory fees and all that sort of stuff? Because that the reality was when I first bought into this thing, it was, like, a $3,000 one off fee, Up like a front. and then Yep. and then it was, like, a percentage of of any of the earnings that I made, and Yes. you only made 1% earnings, like, the equivalent to 1% earnings over the whole twelve months. So I was like, Jesus.","start_word":1343,"end_word":1610,"sentiment":"neutral","sentiment_score":-0.005727425392685847},{"text":"And now you wanna hit me up with another $3,000 fee that was also or another another Okay.","start_word":1611,"end_word":1628,"sentiment":"negative","sentiment_score":-0.35988593101501465},{"text":"fee? And I was like, okay.","start_word":1629,"end_word":1634,"sentiment":"neutral","sentiment_score":-0.25980156660079956},{"text":"I don't know how I feel about this because Yeah. you're not performing. You're now making me pay for the fact that you're not doing a very good job.","start_word":1635,"end_word":1663,"sentiment":"negative","sentiment_score":-0.6204361319541931},{"text":"Yeah. And I I And get so that.","start_word":1664,"end_word":1671,"sentiment":"neutral","sentiment_score":-0.3109317719936371},{"text":"that's And why I haven't paid for it, to be frank. I'm, like, going, I don't know if I should.","start_word":1672,"end_word":1691,"sentiment":"negative","sentiment_score":-0.40821340680122375},{"text":"yeah. So And I I really completely wanna hit before I so before yeah. sorry. So before I actually go and Mhmm.","start_word":1692,"end_word":1713,"sentiment":"neutral","sentiment_score":-0.2625989317893982},{"text":"agree to signing up with you guys for another twelve months and doing all those things and paying extra fees, I wanna see what I'm paying for because, realistically, the his like, the info the what I have paid for, I'm I'm I'm I'm not getting what I I could be going Seeing I the should value.","start_word":1714,"end_word":1770,"sentiment":"negative","sentiment_score":-0.35627755522727966},{"text":"go to something like Host Plus or Australia Zoo or whatever, and I'd probably be in front. And it is fair.","start_word":1771,"end_word":1791,"sentiment":"positive","sentiment_score":0.41893136501312256},{"text":"And with the with the fees as well. Sorry. With the the the upfront fee that you paid, that was that one off fee. That is correct. Now you will never be charged that again. Mhmm. The upfront Mhmm. fee was just to come on board to implement everything. Now there is an ongoing advice fee, which you touched on as well. That is correct, And that is a percentage of your balance. Now, Yeah. typically, And if I'm only that is making 1% over the year, then, of course, you're not making then it's sort of like, what am I? Do you? Yeah. Yeah.","start_word":1792,"end_word":1896,"sentiment":"neutral","sentiment_score":0.08105646073818207},{"text":"I want to see the value.","start_word":1897,"end_word":1902,"sentiment":"positive","sentiment_score":0.3463779091835022},{"text":"It's And concerning. and yeah. And that is totally fair.","start_word":1903,"end_word":1912,"sentiment":"neutral","sentiment_score":0.26835083961486816},{"text":"So what I what I'm more than happy Especially to do when for I didn't you, Shannon know that Alan Merceditch, my previous adviser, had left.","start_word":1913,"end_word":1938,"sentiment":"positive","sentiment_score":0.33409178256988525},{"text":"So I was like, oh, that's interesting. I didn't know he'd gone out on his own. I just was like, okay. This is yeah. It's communication. Yeah. And And, I do yes, apologize I know that that I've you've been run difficult on hold to with get that. a hold of. Sorry. I know that I've been difficult to get a hold of, but I've been difficult to get a hold of because I'm like, You've been I'm a not bit yep. yeah. I'm like, those I get are things I that get could have that. come I could have got something sent in an email. Like, just a prompt or anything. I just wasn't getting that. So I'm like, man, Yeah. I haven't been easy to get a hold of too because I haven't wanted to commit because I haven't been impressed. Yeah.","start_word":1939,"end_word":2082,"sentiment":"neutral","sentiment_score":-0.057305075228214264},{"text":"And I get that. And, you know, my job is to help you at the end of the day, help you make the decisions that's best for you, and help you for your super and your retirement.","start_word":2083,"end_word":2119,"sentiment":"positive","sentiment_score":0.47762638330459595},{"text":"And, obviously, I do apologize that you weren't told that Alan left at the time. Yep. That's not you know, that is something you should have been told. And the only thing I can do moving forward is making sure you do get that communication, So you're and I Alan's will try replacement. my best. Is that right? Are you? Sorry. I am one of the advisers here, and what what we used to do is have a bit more of a kind of like a floating thing. So all the clients were kind of everyone was working on collectively, and it also meant that someone was always available. So what we've recently changed through as well is where you do kind of have one dedicated adviser that you work with as long as you're obviously happy to do so, and that would also smooth out that communication where you only deal with one person Mhmm. moving forward.","start_word":2120,"end_word":2277,"sentiment":"neutral","sentiment_score":0.04743630066514015},{"text":"That person is completely across your situation and and everything for you.","start_word":2278,"end_word":2289,"sentiment":"positive","sentiment_score":0.38234391808509827},{"text":"And if you have any questions or anything else, you can just come directly to myself. Right. So that Yep. kind of takes away all of that. And then, also, I can make sure that if I tell you that I'm going to do something, then I can make sure that that will happen, and I have a dedicated admin assistant as well to help me with everything. So I can kind of liaise with them a bit more in that aspect Yep. of making sure that you do get that communication. And what I would be more than happy to do, Shannon, is I'll happy to go and do the research for you first, especially don't you deciding anything if you're not happy. And then after I've done all of that, you can obviously assess how you are feeling. Now with the advice fee, I do wanna let you know. So with the ongoing advice fee, it is not a yearly fee. So we normally show you the yearly fee, but it is deducted on a monthly basis.","start_word":2290,"end_word":2468,"sentiment":"neutral","sentiment_score":0.20588241517543793},{"text":"So what that also gives you is the flexibility.","start_word":2469,"end_word":2477,"sentiment":"positive","sentiment_score":0.3512386679649353},{"text":"So it's not like you pay a one off fee once a year, and that's it. It comes out on a monthly basis for you. So even And if can you I were ask to go, yeah? So how much am I paying at the moment? Like, 1% of the earnings or 1% of my whole balance? Because, like, if my balance is just being yeah.","start_word":2478,"end_word":2543,"sentiment":"neutral","sentiment_score":0.07912541045383974},{"text":"chomped away at and you're just getting a 1% fee of my balance, and you really got absolutely no desire or no real motivation to to grow it To do.","start_word":2544,"end_word":2573,"sentiment":"negative","sentiment_score":-0.35717517137527466},{"text":"Yeah. And so at the moment, your fees are off. So right now, you're not paying anything.","start_word":2574,"end_word":2590,"sentiment":"neutral","sentiment_score":-0.24280087649822235},{"text":"So it's only if because you I are haven't happy made to anything. There's nothing because I have made nothing. And that's why I was like like, that is hectic when it's been a really big year and you've only made 1%. Like, that is scary.","start_word":2591,"end_word":2636,"sentiment":"negative","sentiment_score":-0.4292562007904053},{"text":"Like, why why that was what I understood Alan was gonna be ringing me. If there was any, you know, anything of concern, if it wasn't performing, if it wasn't Yeah. doing well, then I would be the first to know. And I haven't received Yeah. a I haven't received anything from him. Just that Yeah. I only get those I would only get those those the standard text message or phone call from I think it was Tara or just the various people who would work. Not just Yep. this is not just Alan. It was just, like, from the various administrators who'd ring up to try and book me in for, like, my yearly review. Yeah. But there was no contact when there was significant market change saying, hey. I think we need to do this. Hey. You're high performing. You're all in. You're in high high yeah. What are they called? Yep. High High growth? high yeah. High growth investments, and they're really not doing much for you. Maybe, you know, that is good. Maybe once a quarter, you might get a touch base if you're not Yeah. if if you haven't made Yep. a certain amount. But if you haven't if you haven't alright. If your assets haven't grown by a certain percent by more than 1% a quarter. You would expect a phone a phone call saying, hey. Look.","start_word":2637,"end_word":2870,"sentiment":"neutral","sentiment_score":-0.08960835635662079},{"text":"You know, we've been sitting on 1%, like, average growth for the last six months. That's not good. That's that's that's nowhere near a forecasted what we should at least be getting around 8% over twelve months. That's not even Just gonna having come close to that over the next six months. We're not gonna be able to, like, you know, grow it to to come close to half of where you should be. That's Yeah. pretty fucked.","start_word":2871,"end_word":2948,"sentiment":"negative","sentiment_score":-0.5845156311988831},{"text":"I'm so sorry, That's Victor. I fine. don't really swear. I'm just No. like, That's this fine. is where That's I've stuck fine.","start_word":2949,"end_word":2971,"sentiment":"neutral","sentiment_score":-0.18796685338020325},{"text":"my head in the sand going, what I the hell get is it.","start_word":2972,"end_word":2984,"sentiment":"negative","sentiment_score":-0.38870224356651306},{"text":"going on with my super?","start_word":2985,"end_word":2989,"sentiment":"neutral","sentiment_score":-0.1762281060218811},{"text":"I can't look Yeah. at it. It's making me feel ill. Yeah. And I And haven't that's the had absolute last and thing I haven't I want.","start_word":2990,"end_word":3016,"sentiment":"negative","sentiment_score":-0.5501994490623474},{"text":"had the chance to actually investigate where I wanna roll out to.","start_word":3017,"end_word":3028,"sentiment":"neutral","sentiment_score":-0.2673605978488922},{"text":"And that's the only reason why I haven't actually been in contact because I've just I absolutely been gonna hell no. I'm Yeah. not signing back up with you guys.","start_word":3029,"end_word":3058,"sentiment":"negative","sentiment_score":-0.438448965549469},{"text":"Yeah.","start_word":3059,"end_word":3059,"sentiment":"neutral","sentiment_score":-0.26209351420402527},{"text":"That it's been a hell no.","start_word":3060,"end_word":3065,"sentiment":"negative","sentiment_score":-0.4763772189617157},{"text":"Yeah. And and and I get that, and I do really appreciate your honesty as well.","start_word":3066,"end_word":3081,"sentiment":"neutral","sentiment_score":0.2019289880990982},{"text":"Because I'm 50 now, and I'm like, holy shit. I've got probably close to less than what I've rolled into you guys.","start_word":3082,"end_word":3103,"sentiment":"negative","sentiment_score":-0.4405277371406555},{"text":"So I can I'd have say a look here if for you don't you. So mind, because I'm like yes. Of yeah. course.","start_word":3104,"end_word":3126,"sentiment":"neutral","sentiment_score":-0.18679577112197876},{"text":"I've just looked So away just feeling relatively, like, ill with the whole thing and that and just is the going absolute last thing we want. That is the opposite of what I'm trying to achieve I for you.","start_word":3127,"end_word":3165,"sentiment":"negative","sentiment_score":-0.5181291103363037},{"text":"That know.","start_word":3166,"end_word":3167,"sentiment":"neutral","sentiment_score":-0.32239830493927},{"text":"is the opposite, I know. and I don't I want know.","start_word":3168,"end_word":3178,"sentiment":"negative","sentiment_score":-0.3923124670982361},{"text":"that. So Of so course what you don't. yeah. So what what I can do for you, Shannon, as well is that I will review all your investments in detail for you, review if there is any that is kind of what we touched on a bit more cyclical where is better off holding off or if there is any that is underperforming and we do wanna make a change. And what I will also do is I can so to make it easier for you as well is that I can include a comparison of other options. So Yeah. if you so who who was the other funds that you were looking? Because at the end of the day, there is absolutely nothing holding us to Hub twenty four or any super funds. I will recommend whatever is going to be best for you. And if the best thing when I do the research for you is that you will be better off going through host class or Australian Super, wherever it might be, then I will let you know. That is my duty to you and what I am I have to do.","start_word":3179,"end_word":3373,"sentiment":"neutral","sentiment_score":0.06870949451739972},{"text":"So if I do research and I show you that what you are currently doing is worse off, then I'm not gonna recommend that for you at the end of the day.","start_word":3374,"end_word":3405,"sentiment":"negative","sentiment_score":-0.3984344899654389},{"text":"So I'll be more than happy to include comparison and showing you, obviously, what if you do go to an industry fund like host plus, then you don't have adviser fees, what are returns looking at, what are all the fees, and then give you that kind of, like, comparison so that you can then make up your mind if you feel like whatever is I'll make a recommendation of what's going to put you in a better position, and then you can decide what you Yeah. would like Because to do.","start_word":3406,"end_word":3497,"sentiment":"neutral","sentiment_score":0.21236972510814667},{"text":"I'm definitely That way disappointed. you have more info.","start_word":3498,"end_word":3506,"sentiment":"negative","sentiment_score":-0.4056970179080963},{"text":"Yeah. Thank you. I appreciate all that. But it's just That's like it okay.","start_word":3507,"end_word":3520,"sentiment":"neutral","sentiment_score":-0.10621490329504012},{"text":"seems like almost extra additional fees for, like, what? Because I had chance that all my money, like, just, like, rolled it over into a where.","start_word":3521,"end_word":3546,"sentiment":"negative","sentiment_score":-0.35758939385414124},{"text":"You know? And then someone just said, oh, where? Where? Where? Where? And so then I thought, oh, maybe I need to go to the Viber. And I realized now, if I'd stayed with a where, I would have had no fees, nothing. Would have all done it personally myself, and I'm probably and I would be waiting for the rest. It's that's where I'm at. I'm just like, oh, holy Yeah.","start_word":3547,"end_word":3618,"sentiment":"neutral","sentiment_score":-0.17189827240589592},{"text":"shit. I just don't tell anyone to do it because all this stuff will offer me money.","start_word":3619,"end_word":3635,"sentiment":"negative","sentiment_score":-0.4291050136089325},{"text":"Yeah. It's, like, Yeah.","start_word":3636,"end_word":3639,"sentiment":"neutral","sentiment_score":-0.2073754072189331},{"text":"so annoying. It is so annoying.","start_word":3640,"end_word":3645,"sentiment":"negative","sentiment_score":-0.4914431571960449},{"text":"People care about growing all their funds and having big portfolios so they get all their big percentages, but it gets to a point where it's the only person who really cares about their own money and keeps a real there's a real eye on it is the person who is who is who it belongs to me. And so this is where I'm starting to, like, just go, shit. I just need to really, like, look into it myself and learn about it myself so I can actually do it. Because I would love to trust you, Victoria, but I've just trusted your company for so long and found that Yeah. it was, like, a 1% growth last year. It's like, holy shit. You know? And I know that you're Yeah. listening to me going far out. If I were you, I'd be feeling the same. No. And I and I and I completed and I completely I wanna hear everything, and I do I am here for you at the end of the day. And I don't get paid a percentage for anything. I just get paid a salary, and that's it. Whether Okay. you stay on Oh, as that's a client interesting. or not, it doesn't change anything for me. My job is to help you at the end of the day and whatever that makes. So I don't get paid a percentage. I'm not incentivized. I don't get any commissions whatsoever if you stay on or not. I'm just here to try to help you at the end of the day. But in terms of my salary, it doesn't, like, it doesn't impact. Like, I don't get commissions if you sign on or anything like that. Okay. Yeah. Please. So I'd like yeah. to hear yeah. You probably like oh my god. They're telling you about helping me some of my quizzes she's done.","start_word":3646,"end_word":3963,"sentiment":"neutral","sentiment_score":-0.06347022195047927},{"text":"No. Not at all. I'm I'm literally here, and I I don't feel good. That fact that you've had this experience and you don't have the trust, that's not what we're here to do.","start_word":3964,"end_word":3997,"sentiment":"negative","sentiment_score":-0.6233828663825989},{"text":"We are here, all of us, to help you at the end of the day, and trust is a massive thing for us, and that's what we want to do. And if you have lost that trust, then that doesn't make me feel good because that's what I want to do for you Yeah. But at it just the end reflects of the day. on your company, isn't it? And it's like it doesn't make you feel good when you're like, hang on.","start_word":3998,"end_word":4080,"sentiment":"neutral","sentiment_score":-0.03253262862563133},{"text":"I work for these guys, and they don't have a great reputation anymore.","start_word":4081,"end_word":4093,"sentiment":"negative","sentiment_score":-0.3679346442222595},{"text":"That was so so so convincingly, and then it's kind of like, oh, yeah. Do you wanna know what? Please. Yeah. Yeah. If it yeah. Please if you can let me know where I'm standing right now. You're Yes. you're looking at reviewing it and then Yes. discussing that with me. Is that correct? Yes. Or have Yes. you done Yes. that already and this is No. yeah. No. No. No. That's okay. We we're still we're still doing that. Sorry. I do wanna just quickly go back to the fee just to make sure you do understand. So at the moment, you are not paying any fee. It is only if you decide that you would like to stay on. And I do want to reconfirm with you that it is not a yearly Mhmm. fee. Okay. It is Got a you. monthly fee that is deducted for you, and Which it is is what percent of what? it is 1.1 per percent of your super balance. Well, I'd like it to be 1.1% of whatever you grow. Like, I'd I'd be I'd be prepared to I I think it should be what you grow. I don't think you're I don't think you should be privy to 1.1% of my super balance when you're not actually growing it. That's where Yeah. I am. And So I I will will write refrain from that until you've returned to me with an absolute outline of why I'm so not an outline, but, like, a recommendation. Like, Mhmm. a a Yes. a like, I haven't seen a report or anything of Yes. I haven't seen anything. Yep. You know? Yep. No paperwork. No. Like, okay. Here. This is this is I haven't seen. If you could please send me through a a snapshot, like, of of my of the, like, the performance of the Yes. of Last it twelve for months.","start_word":4094,"end_word":4412,"sentiment":"neutral","sentiment_score":-0.005379188163527127},{"text":"the last year, that'd be fabulous.","start_word":4413,"end_word":4418,"sentiment":"positive","sentiment_score":0.4772988259792328},{"text":"Yeah. Because I I've seen actually nothing. just have done that for you.","start_word":4419,"end_word":4431,"sentiment":"neutral","sentiment_score":0.06746111065149307},{"text":"Have So you I have wonderful. just done that.","start_word":4432,"end_word":4440,"sentiment":"positive","sentiment_score":0.4794316291809082},{"text":"Yes. Grace. But Because, what like, it's I will really do hard anyway for me to comment on something that I haven't seen since. You know? mhmm. Yep. And I and I get that. Sorry. And nobody was sending it through to me previously because they wanted me to sign up and have the conversation first. I'm like, well, I couldn't do that until someone's actually showing me what I've done for the last had for the No. last No. year. I will not get you to sign anything until you've seen the documents, and then you are happy with it. Thank you. No. I will not get you to sign anything before because I wouldn't sign anything myself if I haven't been told Yeah. I was information. just like, that's not So quite right, is it? Like, I've I've I've always liked from other funds, like, you know, the big ones, like, before I rolled over and that, it was always like, they send you out your your six month year or your quarterly review or yearly half year by half yearly. And and you get these things, all the graphs, and they're like, this and that. It tells you, like, your your percentage of what direction it's been in. And I'm like, What's I haven't happening? seen any, yeah, I haven't seen anything Yeah. of that. So I have to send you that.","start_word":4441,"end_word":4675,"sentiment":"neutral","sentiment_score":-0.06686061114231323},{"text":"We'll be happy to go through, Thank but what you.","start_word":4676,"end_word":4685,"sentiment":"positive","sentiment_score":0.4550867974758148},{"text":"I'm also happy to do is make a note on the account for you because at the moment, sorry, we can do these catch ups however frequent Yep. or infrequent you would like. Now at the moment, I have you down here as once per year for an annual review.","start_word":4686,"end_word":4735,"sentiment":"neutral","sentiment_score":0.2350037097930908},{"text":"Some people are more than happy with that.","start_word":4736,"end_word":4743,"sentiment":"positive","sentiment_score":0.5038934946060181},{"text":"They don't wanna hear from us more than that. If they have any questions, they'll give me a call. I have also many clients who want six months to catch up. I have many clients who want quarterly catch up. At the end of the day, it's whatever you want. So if you would like I'd a always bit more frequent said yeah. Mhmm. No. I'd always said I would like my catch up whenever it's I'm happy for the yearly catch up if Mhmm. it's Okay. if it's tracking upward. That is it it's not progressing at what we consider Mhmm. to be the bare Mhmm. minimum, Yep. which I think 1% is not even the bare minimum, to be fair. Right? And so that's why and that's what I shared is, like, I would like to be contacted whenever it's not progressing in the way it should be so that Yep. we Yep. can review that and get it on Yep. on track. If that's if it's tracking and it's doing all the right things for a whole Yep. year, then you don't need to speak to me. But if it's not, then I expect to call. Let's say, Mhmm. hey. Yep. Maybe we should just, like, review this because it's not on it's not on target. Mhmm. That was what I'd understood and that was happening, and then it didn't happen. I was like, oh my god. 1% over the whole year. Why am I only just hearing about this now? It's Yep. not what I ever understood it to be. I Yeah. don't wanna commit to anything else until I've looked at other See options. you. Yeah. And I get that. So I I will include in the research note what options would you like me to consider. You mentioned host plus. Well, Is there no. I don't someone I I want the best option. I okay. want the best option. I shouldn't be telling you who to look at. You should be looking at them all and telling me. Okay.","start_word":4744,"end_word":5088,"sentiment":"neutral","sentiment_score":-0.01316827399575192},{"text":"So you're happy for me.","start_word":5089,"end_word":5093,"sentiment":"positive","sentiment_score":0.5341135263442993},{"text":"I'll just yeah. Because normally, we Especially we if assess you're requesting everything. 1% of my whole balance. You know what I mean? Yeah. And Like, it shouldn't be up to me to be able to go and do the research to tell you to research it. no. So we definitely do that research, but sometimes I do have clients who specifically wants me to Yeah. consider I was something just plucking as well. numbers out of, like, what I see regularly come Okay. up. So I'll just consider everything for you Please. and make a recommendation. That is no problem. Now, Shannon, do you have access to your emails? And I will show you the Yeah. performance I do. and super balance. Yep. So we recently had changed the software, so it might look a little bit different to last time. Now the good thing with how it is structured now is that you don't have to click on the link where it says sign out. That is to sign the ongoing service agreement, and I can leave that for now and include it in the proposal for you when you have all the information. Yeah.","start_word":5094,"end_word":5290,"sentiment":"neutral","sentiment_score":0.10061415284872056},{"text":"That's That'd okay. be wonderful.","start_word":5291,"end_word":5295,"sentiment":"positive","sentiment_score":0.40837571024894714},{"text":"Now in the email, can you see before you click on the link, can you see a couple of attachments at the bottom of the email? Yes. So what can you see first? And we'll just do it in the way that you can see them. Yeah. That's the services guide, the financial services guide version for the Yes. twenty first to the fifth twenty sixth super insurance summary. Yep.","start_word":5296,"end_word":5365,"sentiment":"neutral","sentiment_score":0.10782205313444138},{"text":"Perfect.","start_word":5366,"end_word":5366,"sentiment":"positive","sentiment_score":0.571546196937561},{"text":"The twelve month hub '24 well, the twenty first to the fifth December hub '24 I r l I r r. Mhmm. Then the MLC, CRC, and the Vanguard index charts.","start_word":5367,"end_word":5397,"sentiment":"neutral","sentiment_score":0.026717977598309517},{"text":"Okay. Perfect.","start_word":5398,"end_word":5399,"sentiment":"positive","sentiment_score":0.5389505624771118},{"text":"So the bottom two, I or the first two, I will get you to have a read over in your own time just so I don't take up too much of your time this morning, which is your overview financial services guide version four and version one. Now these two documents is just a compliance form. It gives you all the important information in regards to us, though, there for you. When you Yep. do go and have a look at it, you would have seen this a couple of times before. We've had a bit of an extension to the team, so you will actually see if you do go in and have a look at it. You will see a photo of myself there. You'll also see a photo of Larissa who you've spoken to before as well as the rest of the the advisers. That's all in there Yep. for you. Now the next one, which is your super insurance summary, could you open that one for me? Yep. Yep. And let me know when that one you can see that. Okay? Yep. Right then. Yep. So this one shows you your current situation. So it shows you your hub 24. And Yeah. at the moment, you do have $85,496 in there. Okay. Now underneath that, it shows you your insurances. So at the moment, you have insurance with MLC. Now you have Mhmm. life and total permanent disability. And at the moment, you are covered for 871,526. Now just looking at those two covers, are you happy with the level of cover you have for life and TPD? Yeah. That's fine. Yep. That will Okay. pay out my mortgage for my husband and give Yeah. him a couple years. Bit of extra. So Yeah. yeah.","start_word":5400,"end_word":5698,"sentiment":"neutral","sentiment_score":0.096361942589283},{"text":"Perfect.","start_word":5699,"end_word":5699,"sentiment":"positive","sentiment_score":0.4533573389053345},{"text":"I will look. Yeah. It's probably to be fair, it probably doesn't even need to be that high. I don't know what has he got on his for me. I don't actually think no. I think mine's I think his is at one point.","start_word":5700,"end_word":5743,"sentiment":"neutral","sentiment_score":-0.1344483450732448},{"text":"Oh, I think we dropped it so that we weren't paying such ridiculous premiums because we thought, what's the point of paying such big premiums when we could just put it straight in on to our mortgage right now?","start_word":5744,"end_word":5782,"sentiment":"negative","sentiment_score":-0.3616708219051361},{"text":"Whenever we're paying on these premiums, we could pay as up because our mortgage is only, like, $350 or something less than so it's, like, not that much, really. Yeah. Yep. But I have to just, like, double down on that rather than paying for someone paying for insurance for someone to pay. Because the reality is we would be fine to pay it off if one of us was left and we were left working. We could do it. Yep. So I'm almost like, well, I'd rather just have the money coming in to be able to double down on my principal monthly for him or for myself Yep. and not be banking on the fact that anything's gonna happen to either of us. We would only need enough to clear our mortgage, which is Okay. about 3 it's about $400, really, 354 About 100 three to hundred make fifty. it easy. So what are Okay. our premiums currently, please? Yes. So with those two plus your income protection, which you have here, is the total premium is 2,302. Now this comes out of your superannuation, so it's not something you pay for out of pocket. So Yeah. if But it's we something that we're paying for. We correct. are most It definitely is coming out paying of your for it. system. Correct. Yes. So what I can do, if you feel like they are too much, what I can do is when I do the research and put the proposal together, I can get Yeah. an alteration quote to show you with if you feel like having enough to just cover the mortgage, so the $3.50 or 400, whatever you are comfortable with, I can get a price for you to show you. Okay. Well, just currently sorry. Currently, I'm not Yes. working. So I'm paying income protection, and I'm not working. So if something Correct. were to happen to me, would or if that sorry. If I was something was to happen yeah. Nothing's gonna happen to me for my income protection. I'm paying 3,000. How much am I paying on So for ink all three, you are paying 2,302. Now income protection is typically the most expensive as well out of those three. yeah. So Because I'm currently not working. So can we just call that straight away, please? we can. Mhmm. Now I do wanna I'll I can I'll put their proposal in there. Sorry. I can't cancel it without the Yeah. proposal for you first, but I will conclude it, and we'll do it in a very short amount of time for you to cancel income protection. The only thing I do wanna let you know is that if we cancel income protection, obviously, and you decide to do you have any plans of going back to work, or what kind Okay. of your employment situation? Yeah. See, this is the thing. It's funny because I told them right. Because I've been out of work for a year and a half, and I told them about at least a year ago that I wasn't working. Yep. And it's still coming out with income protection. Yeah. And often because I think you spoke to my colleague, Kyle, I was thinking I believe, about last going time. back to work, but it was not happening anytime soon. Okay. Because we can we can definitely cancel that income protection for you. That is no problem if you if you don't want it. I do wanna just let you know that we we can most definitely go and cancel it for you. And the only thing to be mindful of or that I want you to be mindful of is that if you do decide to go back to work, let's say, in a Writing, year or sir. six months or whenever you want to, if you then want to look at an income protection policy again, they would have to do your full assessment. So they would assess, you know, health, lifestyle, work. And if there is anything that has changed, you might not be able to get one. So as long as you are understanding of that, we can still go ahead Yeah. and cancel it for you. Yeah. That's fine. Yep. I'm Okay. completely healthy. But, yeah, that can Beautiful. just come through on your report. Oh, that's Yes. in. Yep. We can cancel that, Thank which you. will reduce Yeah. the premium quite a bit. Now for life and TPD, would you like me to look at reducing it to just cover the mortgage as well for you? Well, because this it's all paid from my super. Right? And Correct. if it's And so to have that coming from my super, then that would be, like, TPA $400 or something like that instead of Yeah. would it be a a a bath? If it was to be halved, would that pretty much halved the the premium? Not necessarily. It Okay. will make it a lot cheaper, but not necessarily because most most of the insurers as well, they do like multi policy discounts. So, basically, every two fifty block, there's a discount. So let's say if we were to do four four like, you do have two fifty and 500. So let's say if you were looking at four fifty, sometimes it's better off 500 because there's more value, Yeah. I got it. for example. But if you Yeah. Okay. feel like canceling income protection will make a big difference in premium. If you still feel like life and TIP is too high and you kind of just wanna cover mortgage with a little bit of extra, I can get a quote for 500 for you if you want. And I can also assess just 3 because you said your mortgage is $3.50. Is that correct? Correct. Yeah. Correct. And do you Yep. have any other debts? Do you still have No. the land as well? No. We don't. No. Okay. No other debts otherwise. Just that. Not a single debt except Okay. for exactly 350,000. Okay. 350. Okay. Would Sorry. you like What me is that to 1? look at decreasing it to $3.50, or I'm do just you looking feel like at the exact. mhmm. Okay. Perfect. I've got sorry. Yes. Exactly. $3.50 on the dot. Mhmm.","start_word":5783,"end_word":6847,"sentiment":"neutral","sentiment_score":-0.013487700547830602},{"text":"Oh, beautiful. Perfect.","start_word":6848,"end_word":6850,"sentiment":"positive","sentiment_score":0.4412668645381927},{"text":"So what would you like in terms of TPD and life? Do you feel like mortgage is sufficient, or would you wanna have a bit of extra if something were to happen? Let me know. $3.53 50 does anywhere between $3.50 and 600.","start_word":6851,"end_word":6893,"sentiment":"neutral","sentiment_score":-0.05962228047293286},{"text":"I think 850 is just, like, a bit excessive. I don't know Okay.","start_word":6894,"end_word":6906,"sentiment":"negative","sentiment_score":-0.4680933356285095},{"text":"what we need that for at the moment. Okay. What I mean is I would like I would rather oh, gosh. Mhmm. Total permanent disability. I need to do you wanna know what I probably need to do if I actually read the policy and see what it covers me for? Yes. What I can do for you is Because that's I the thing. A lot of it's all dependent on coverage, isn't it? Like, you know, you pay through the notes thinking we'll pay, like, absolute little for, like, you pay for all the extras that you don't need. You really just need hospital cover on something. I'm just, like, saying, for example, like, with your Mhmm. health insurance. Like, it's really all dependent on what you need it for, and I'm, like, going, okay. Yeah. So what would this total and permanent disability cover me for? Does it cover you for, like is it does it cover you for cancers? Does it cover you or does it just cover you for car accident? Like, do you know what I mean? Like, I'm just Yes. And that's another What question. is it? And TPD is one of those that is that is the hardest to claim on. They can Yeah.","start_word":6907,"end_word":7117,"sentiment":"neutral","sentiment_score":-0.1252179592847824},{"text":"also have the biggest financial impact.","start_word":7118,"end_word":7123,"sentiment":"negative","sentiment_score":-0.4624689221382141},{"text":"So, basically, with TPD is that you need to have two doctors to sign off on the fact that you are unable to go back to any work that you are qualified to do. So Yes. even though you're not working right now, that's okay.","start_word":7124,"end_word":7168,"sentiment":"neutral","sentiment_score":-0.2082548886537552},{"text":"But if you if something were to happen to you and you cannot go back to work.","start_word":7169,"end_word":7185,"sentiment":"negative","sentiment_score":-0.34816333651542664},{"text":"Now, obviously, Yep. what that looks like depends on, obviously, what you were working with before and what you are qualified to do. So, for example, if you have a high risk occupation or minus or truck drivers, if something were to happen and they, for example, let's say, can't walk, they probably can't do their job. But if you are in an off space role, you might be able to still do it. So it is also Yeah. dependent on your qualification. So it is one that is harder to claim on, but it can also have a massive financial impact because if something were to happen and, yes, I know you're not working right now, but if you ever wanted to go back, that could have a big financial impact because then you're not gonna have any any income until, Yeah. you But yeah. I get it. know. But knowing that, say, if I was So yeah. See, at the moment, because I'm solely supported by my well, I'm I'm working in the home. Right? So Yeah. Yes. and, like, work yeah. So my husband is supporting us. If he was Yeah. so what yeah. But he wouldn't be able to support us Yeah. if I wasn't supporting him. So it's like, you know, what comes best is the technology. Is the woman who's supporting the men so he can support Yeah. the family or will that Yeah. anyway, it's the whole it's the whole thing. We've just it just Yeah. works that in our best interest this way. However, Yes. if something were to happen to him, his insurance is set up to sort out so that our kids Mhmm. and the family and everything could continue to carry on.","start_word":7186,"end_word":7478,"sentiment":"neutral","sentiment_score":-0.09192006127215896},{"text":"So If this something will be more sorry for were you.","start_word":7479,"end_word":7489,"sentiment":"negative","sentiment_score":-0.4300512671470642},{"text":"to happen to me, I'm not bringing an income in at the moment anyway, but I but as women's as women but I I would be able to I can work from home, and I can sit in an office. So it's unlikely Yes. that I would get TBD Mhmm. anyway because my job is wholly and solely based generally on my capacity Mhmm. to Yes. be able Mhmm. to sit there and spit out spreadsheets and do using a computer Okay. computer facet of environment, and that is unlikely to be affected unless I unless something unless that something is, you know, with your mental cognitive Yes. activity, whatever, Like, more like Parkinson's or Alzheimer's in or there. something like those. Yeah. Nah. So So I don't what know. I So can that'll do look again. Yeah. mhmm. So TPD is unlikely to be something that I'm ever gonna be able to draw on unless Mhmm. I read the fine print and see that it's easy for me to get from that. And then that's possibly not gonna be until a way later in my life anyway. So for the time being, would you like me to get quotes anyway? So we'll cancel the IP for you. Do you wanna cancel TPD as well, or would you happy for me first to get quotes for $3.50 and 600? And then you Well, can I'd like see to what be are able the to premium be applicable for the TBD if something were to happen to me. Do I if I'm not working, does TBD still stand for me? Is that Yes. that's just Because that's you the were thing. work Yeah. It does. yeah. You were working Yep. at the time when we applied for the cover, and it's just to say that you cannot go back to work. Yeah. Right. Okay. Yep. Got you. Yep. Yep. Yeah. Yep. Yep. So if I was to get I guess I need to read it. Like, if I was to get breast cancer or if I was to have a heart attack or something like that, kind of cardiovascular disease or something like that. I'm wondering It's only if all that sort if of you it's Yeah. you you more have trauma cover in those instances. If you have, let's say, breast cancer and it develops badly and you can never a doctor deems that you are never able to go back to work again, TPD. Yes. So Yes. it depends on Gotcha. but then often, we have clients where like, I have quite a few clients who have had breast cancer that is in remission, and they are working now. So it also Yep. and then you're not gonna get TPD. The same with heart attack. If you have a really, really bad heart attack and like, stroke or something like that and that impacts your ability to ever go back to work again, you will be paid out. But if you have a heart attack, take some time off, and then you are fit to go back to work after a while, you're not gonna get TPD. Got it. Does that make sense? Yeah. Yeah. No. It totally does. Yeah. Yeah. So it really it really depends. Cara, Yes. let's But see CPD about that. and life is a lot cheaper than your income protection. Income protection is the cost the most. So what I can do first for you so you at least can see it and think about it is that we'll cancel IP, and I can get quotes for $605.03 50 for you as a starting point. That way you have the information, and I can also get an alternative Thank for you if you only wanted you. to have life. And then that way, you have all the quotes and all the options, and then you can see what you would like to do. Yeah. It'd be interesting just to see what the premium comes down to when you remove IP from that, It might even actually tell you on the so in the document, please. if Okay. we go back into that email, you should have a MLC COC. So MLC certificate of currency. Now this typically breaks down all of the insurances in more detail. Sometimes it tells you just a combined value, but sometimes it shows you the, yes, the breakdown. Oh, So yeah. here The you can MLCCFA. actually see Here it is. Yep. Gotcha. I've yes. opened So it. you can so Right. you can Mhmm. actually see here that your Okay. life cover is 600 and so I am on page two. Yep. If you wanna scroll down to page two, you can see Yes. your life cover. You can Yep. see your TPD cover, and you can see your income protection. Okay. Gotcha. You're right. So the income protection is 9 Yes. 40. You're right. $9.41. Well, that immediately, we can just remove until such a point. There's only a thirty day waiting period if Yep. So I that was to go back to work, but that's not happening any. so the waiting period would be if so on the income protection, the waiting period means that you need to be off work Oh, yes. and A 30 have to wait question. the thirty days before you get the policy paid out. Yeah. Yep. Sorry. Yep. I was thinking waiting period is, like, you No. know, when That's you join okay. us on medical fund, Yeah. and then it's, like, three months till you can claim orthodontist. Yeah. Yeah. No. Okay. I get you. So okay. That can all I'll I'll I'll sit on that one, speak to my husband and Mhmm. check-in with him. Okay. Mhmm. So And for if I was at so for the the other so I can, obviously, I can either hold off until you've spoken to him and you can send me an email what you wanna do. Or if you would like me to continue putting the research together for you, obviously, your superannuation, show you the comparison, and cancel IP, I can put a proposal together for cancel IP and all your super investments. Leave life and TPD for now, and then Yes. we can if you wanna make any further changes to TPD in life, we can then do that. But then at least the others aren't just being, like, put on pause. Would you Yes. want No. that? That sounds Yep.","start_word":7490,"end_word":8582,"sentiment":"neutral","sentiment_score":-0.04527766063080015},{"text":"great.","start_word":8583,"end_word":8583,"sentiment":"positive","sentiment_score":0.3910335302352905},{"text":"Yes, please. Okay. Do that.","start_word":8584,"end_word":8588,"sentiment":"neutral","sentiment_score":0.2727700471878052},{"text":"That's great. Great.","start_word":8589,"end_word":8591,"sentiment":"positive","sentiment_score":0.5548173189163208},{"text":"Mhmm. Perfect. Otherwise, if we go back to your email, you should then have the one where it says twelve month hub IRR. Yeah. Now this is the one that shows you how your portfolio has performed and everything in the last twelve months. So let me know when you can open that one. Yeah. I'm open. Yep.","start_word":8592,"end_word":8649,"sentiment":"neutral","sentiment_score":0.11259911954402924},{"text":"Perfect.","start_word":8650,"end_word":8650,"sentiment":"positive","sentiment_score":0.4486081600189209},{"text":"Now sometimes it does look a little bit messy because it shows you all your individual investments, how they have performed, and what has happened in the last twelve months. Now you've touched on as well that in the last twelve months, we have seen a bit of fluctuations in the market and in the world, and we do have you invest in a high growth portfolio. So in the last twelve months now this, the one where it says internal rate of return, I'm sorry, the second column to the right Two shows points you is your two. yes. That Two shows places. you everything after fees. So that is after adviser fees, admin fees, everything. So even though it has been a turbulent last twelve months, after fees, it's still gone up by more than 1%. Still about that 2.62. Yes. Now if you go up to the first page, it can then show you all your individual investments. So the one that has a bracket next to it are the one that's down.","start_word":8651,"end_word":8826,"sentiment":"neutral","sentiment_score":0.023587919771671295},{"text":"All the rest are positive.","start_word":8827,"end_word":8831,"sentiment":"positive","sentiment_score":0.37844061851501465},{"text":"So you can see here that the Benelon Australian equity is underperforming a little bit at the moment, and I think that was probably the one that my colleague mentioned to you. And I would like to look at potentially changing, but I wanna do all the research as well first for you. And then you can see all your other investments. So you can see that some has done crazy. Like, you can see the battery, tech, and lithium, that's at 85%. This one is one that is a little bit more fluctuating. It is more of your speculative investments, but, obviously, at the moment with the fuel prices and electric vehicles, that one has come through the roof. Yeah. Does Peddi it all Global. make sense so far? Yeah. Yeah. So I'm just reading it. No. That's okay. So part of the proposal I will put together is to review this more in-depth as well to see if we want to make changes, if now is the best time, and also if there's going to be any tax consequences by doing it. So I wanna factor everything in, and if so, show you the changes in fees and performance and returns and everything like that. Okay. Now with your investments, because you are in a high growth portfolio at the moment, what I would like to do is just run through a couple of questions with you. It's multiple choice. There's no right or wrong answer. It's just to see if we should change it or if you're still comfortable with the level of risk. So if you don't mind, it's just a couple of multiple choice. If it doesn't make sense, just let me know. Okay? But it's all multiple choice. Gotcha. Now, Shannon, have you ever bought direct shares yourself? Have you bought on the stock No. market into nope. And at the moment, when do you think you would like to access your super? Do you want to add 60 when you can if you're not working? Do you think you'd wanna wait to, like, 65? Or you have any idea when a time frame of when you wanna start drawing an income from your superannuation? Oh, ASAP, but, like, So I 60? For now yeah. anyway. What's Yep. the earliest Perfect. age that we're well, the reality is that, like, we don't have a date an expiry date. None of us has a life expiry an exact Yes. date of our life expiry. Yeah. So you sit there and, like, get wait until you're 67 to to die at the age of 72.","start_word":8832,"end_word":9270,"sentiment":"neutral","sentiment_score":0.019987150146318324},{"text":"What's the point of Sounds waiting a bit to miserable.","start_word":9271,"end_word":9280,"sentiment":"negative","sentiment_score":-0.5041517615318298},{"text":"access it Yeah.","start_word":9281,"end_word":9283,"sentiment":"neutral","sentiment_score":-0.29304569959640503},{"text":"to have to work until you're 70 to pay off your mortgage? I would rather personally take it out straight away and just dump it on my mortgage because we'd probably be that quite between my husband and I by then to pretty much paid it out and be following Yeah.","start_word":9284,"end_word":9334,"sentiment":"negative","sentiment_score":-0.3867509365081787},{"text":"like, honestly, Yeah. we've got a a bit out of the bag. And and you have Right? that choice. So with the current Mhmm. legislation, you can access if you are not working, you can access all of your superannuation completely tax free at the age of 60. The 60 Sixty. seven is if you are, yeah, eligible for age pension. If you are working, there is you can access some super up to 10% under a transition to retirement between 60 and 65. But if you are not working, you can take the whole lump sum out if you want to at 60 tax free. Okay. So ten years.","start_word":9335,"end_word":9444,"sentiment":"neutral","sentiment_score":0.07182260897349227},{"text":"Yeah. Yep. I'll be accessing it in ten years.","start_word":9445,"end_word":9453,"sentiment":"positive","sentiment_score":0.4620397984981537},{"text":"I know.","start_word":9454,"end_word":9455,"sentiment":"neutral","sentiment_score":0.31355810165405273},{"text":"Yes. You should probably, you know, trust other people to invest it and grow it further and whatnot.","start_word":9456,"end_word":9473,"sentiment":"positive","sentiment_score":0.3780198693275452},{"text":"But the reality is the amount of money that we pay on interest, It's a well, I'm I'm looking at the growth of this whole portfolio and what's been happening with it.","start_word":9474,"end_word":9505,"sentiment":"neutral","sentiment_score":0.11044370383024216},{"text":"It's actually way better value for me to check it on my mortgage and not be paying interest rate. And and you definitely have that option.","start_word":9506,"end_word":9531,"sentiment":"positive","sentiment_score":0.4216243326663971},{"text":"Like, let's see. You can do whatever Yeah. you want. Often, Yeah. I would just kind of air of caution that that if you're pretty pretty sat with you and your husband and you have a bit of a plan, that's good. The only way I would sometimes, you know, flag it with clients is if they have a lot of debts, for example, and they wanna Yeah. take everything out, put it all, and pay out all the debt, and then they have nothing. And then they don't have eight pension until 67. And then I'm like, well, you need to make sure that you can support yourself financially until I 60 know. I'll seven. work.","start_word":9532,"end_word":9648,"sentiment":"neutral","sentiment_score":0.032663729041814804},{"text":"I'll just happily work, and I've got an Airbnb out the back.","start_word":9649,"end_word":9660,"sentiment":"positive","sentiment_score":0.3996480405330658},{"text":"It what it means is that I don't Yeah. need to pay a mortgage, but I just Yeah. work to live, and it's a way easier option for Yeah. me. And It's if that way works, more comfortable. you have you have that option at 60. As soon as you turn 60, you can take everything tax free, and Yeah. then you can do whatever you want. I'll go and live in our caravan and and get an income of, like, you know, $2 a week for a house. Like, oh, Doesn't happily sound too do bad. that. Well, yeah, it's probably about 1,500 at the minute, but I'm thinking in ten years from time from Yeah. now, it's gonna be up there. It'll be Yeah.","start_word":9661,"end_word":9786,"sentiment":"neutral","sentiment_score":0.1349159422227078},{"text":"Ridiculous.","start_word":9787,"end_word":9787,"sentiment":"negative","sentiment_score":-0.4613284170627594},{"text":"Alright, Pam. Yeah.","start_word":9788,"end_word":9790,"sentiment":"neutral","sentiment_score":0.22168593108654025},{"text":"Perfect.","start_word":9791,"end_word":9791,"sentiment":"positive","sentiment_score":0.4740502536296845},{"text":"Sorry. I'm just like, No. I'm going more for the safer option then because, like, I was working at the anti corruption commission with a beautiful lady. I I did this massive you know, I I gave her a massive send off, then AMP and everything that this is she the GSE before the like, probably in 1997. It was one of it was before the one in 2005, whatever date it was, 2005. Anyway, she lost all the like, her everything Yeah.","start_word":9792,"end_word":9874,"sentiment":"neutral","sentiment_score":-0.060044609010219574},{"text":"absolutely collapsed.","start_word":9875,"end_word":9876,"sentiment":"negative","sentiment_score":-0.4776535034179687},{"text":"Four weeks later, she was back at work.","start_word":9877,"end_word":9884,"sentiment":"neutral","sentiment_score":-0.2719499170780182},{"text":"It was Yeah. heartbreaking. That's horrible.","start_word":9885,"end_word":9890,"sentiment":"negative","sentiment_score":-0.541155219078064},{"text":"She should have Yeah. been yeah. And that's also No. typically what we we typically see that, obviously, the closer you get to wanting to take out your money, you might wanna start reducing that risk exposure because you Exactly. don't have as much time for those fluctuations. So right now, thinking about your super, how much risk would you say that you're willing to take? Well, High risk, I very just high, look. moderate? I'm all up for high risk, but I'm looking at Okay. what high risk has earned me this year. I'm not going sweet, I say, really, 2.62%. I would probably have earned more if I'd gone safe. And at times, that's going to be the case depending on what's happening in the market. So with your high risk, high growth, risk profile, you are going to have certain years with going to be down. Other years are going to be really good. So you will have a lot more of those fluctuations. So if we look at, you say, your balance growth are more defensive, other times, especially when there's a lot of fluctuations in the market, especially, you know, the last twelve months where there's been a bit of ups and downs, some defensive are doing really well. But over other years, not so good. So high growth Yep. is your your long term. So when we are looking at it, we are looking over a longer period of time to assess Uh-huh. it. Because during Can I ask how long do you feel it's going to take before our high growth sort of fun starts to bounce back a little bit? so it is very hard to say depending on, obviously, what is happening in the world and the market. But typically speaking, in a high growth portfolio, you're going to have, I think it's about one in five years or down, the rest predicted, again, depending on what is happening.","start_word":9891,"end_word":10218,"sentiment":"neutral","sentiment_score":-0.06802252514242399},{"text":"The rest are going to be positive.","start_word":10219,"end_word":10225,"sentiment":"positive","sentiment_score":0.3449723720550537},{"text":"You want long term that those evens out. So overall, even though on a short term basis, you're going to see more fluctuations than if you are in a more defensive investment. But overall, over a longer period of time, you're wanting to be better off.","start_word":10226,"end_word":10271,"sentiment":"neutral","sentiment_score":-0.013961047865450382},{"text":"Because, otherwise, what's the point taking on the the short term risk if you're not getting that?","start_word":10272,"end_word":10288,"sentiment":"negative","sentiment_score":-0.33681681752204895},{"text":"So part of the research, I wanna look at your thematic investments as well to see if you are taking risk with some investment that's not needed and if we needed to change it. So I will kind of deep dive into the investment. But in terms of the allocation on how much goes in what sector is what these questions kind of determine for you. Because at the moment in a high growth portfolio, we see 90%. Now, actually, if you want to go back to your emails, because sometimes this makes it a bit easier, if you wanna open that Vanguard index chart for me. Because I was just like thinking if I'd been in bloody anything today with, like, you know, AI and all that sort of stuff, we would have been doing it. I think so it's kind of like, where is all my money tied up at the moment? Like, what are the what are the actual funds of a I can't understand what these That's okay. That's right. Ones So like battery tech lithium, so like, what from yeah. S and P five hundred So Asia. s and p five hundred, just to give you one That's example. better. Yeah. That's obvious. Yes. Vanguard. Yep. Do you have conserve like, what what Vanguard do conserve the HF unit? Are they that's A it's like because little bit doesn't more Vanguard have a billion different things that's hard they have to a sell lot of one. different portfolios. Yeah. Yeah. So it's hard for me to just tell what these portfolios are for because, okay, yes, they're recognizable names, but I don't know what they're What's actually. in them? Yeah. Yeah. So what what I'll do as well is when I do because I do wanna, like I said, go a bit more into the investments for you and see if we need to make changes. The ones that I will recommend, I will include investment links for them as well. So I'll go and expect when I do if I do recommend changes, I will go through them in a little bit more in-depth with you to give you a bit of an overview of what is in it, Yep. a couple of examples. But then, also, I will give you so you can read when you have a moment on everything because some of them have hundreds of different options in there. Some has a lot less. So I will include all the research material as well for you so that you can click an ECC if you wanted to have a bit more in-depth of what is actually in it before you then decide what you would like to do.","start_word":10289,"end_word":10746,"sentiment":"neutral","sentiment_score":0.04597958754016062},{"text":"Thank you. That would be great.","start_word":10747,"end_word":10752,"sentiment":"positive","sentiment_score":0.5019947290420532},{"text":"No. That's okay. I'm sorry, Shannon. When it comes through yeah. At the moment, thinking about risk, did you say you are more towards your still high growth you're comfortable with when we are just talking about As it from long a back as it's end in point the right of view? Okay. high growth, but in the right in the right kind of funds. The right Like, ones. I like Yes. I can see sort of, like, you know, high growth, for example, like, AI is worth kind of betting on. It's kind of a bit of a it's here. It's obviously, like, taking the world by storm, and it's doing it's like there is so much. But it's like Mhmm. when the Internet arrived, like, the most Yeah. millionaires are gonna arrive with the Internet. It's like AI brewing. Mhmm. It's like, Yeah. well, hey. Yeah. But there's obviously the option. Like, you gotta keep an eye on it because it's boom and bust. Like, But Yeah. it's yeah. And it's here at the moment, and it's absolutely doing doing massive Mhmm. things. So it's like well, it's obviously a sure bet at the minute even Mhmm. though it is high risk. Do you Okay. know what I mean? Yep. No.","start_word":10753,"end_word":10965,"sentiment":"neutral","sentiment_score":0.03994033531574947},{"text":"So That's so I totally sort messed of think up.","start_word":10966,"end_word":10975,"sentiment":"negative","sentiment_score":-0.35700279474258423},{"text":"it's like Yeah. it's sort of like a smart risk, I sort of think. You know? Yes. Defense at the moment is kind of like a smart risk, but it's kind of at the same time, like, I'm I'm not qualified to make these Mhmm. decisions. I'm just speaking as a human who's, like, Yes. going, Oh, that's well, why you have that us to what's help going you with on around as the well. world? Pardon? And So that's it's like also why it's you have like kind of educated educated high risk. High risk is like, okay. okay. Well, yeah, that's sort of smart. Like, that sort of Mhmm. makes sense. Not just Yep. high risk because, oh, wow. So and so says, you know, like, let's go and, you know you know, it says that they've Let's got invest in crypto. great ideas Well, let's not.","start_word":10976,"end_word":11124,"sentiment":"neutral","sentiment_score":-0.0587516576051712},{"text":"for shit.","start_word":11125,"end_word":11126,"sentiment":"negative","sentiment_score":-0.43463096022605896},{"text":"Yeah. Yeah. No. I'm not a Yeah. crypto No. girl. No. No neither. Okay. Good. Mhmm. No. That makes sense. So Do you see what I We mean? are comfortable. So yeah. Yeah. We are comfortable with high growth, but it's reviewing the type of high growth investments Yeah. and making sure High that they growth are sound with investments. high Yeah. growth with supportive evidence behind it. So it's kind Yes. of like, well, that makes a lot of sense over my whole Yes. lifetime of experience. That makes sense. But don't come at me with with, yeah, with crypto and Yes. No. I will not. kind of that We sort of don't. shit because I'm like, no. No. We we don't include because it's way too speculative, and there's there's Yeah. there's not Totally. there's not even an underlying asset behind It's it. gamble. It's So how a do gamble. you even pull that? Yeah. How do you even I'm pull value? I'm a high risk No. with good evidence. I'm not No. Yes. a gambler. No. And that is the last thing we wanna do with your retirement. So Thank you. no. Definitely makes sense. Alright.","start_word":11127,"end_word":11325,"sentiment":"neutral","sentiment_score":-0.0586253558870536},{"text":"Perfect.","start_word":11326,"end_word":11326,"sentiment":"positive","sentiment_score":0.4341413378715515},{"text":"Yeah. So K. I will reassess your high growth and look at it. So while I am Thank you. looking at different options for you, I do wanted to check one thing with you because we have re I don't know if you've read our newsletter, so if it is something you read Do every now and then. you wanna know what? I haven't actually received the No. newsletter. That's fine. It must be going straight through to my junk. Oh, I've looked for it, but I have not seen it. And that is probably why I'm complaining about my lack of, like, lack of, what do you call Okay. it, Communication? lack of, yeah, comms as Yes. well because I haven't Okay. seen it come through. Your email hasn't changed. No. It hasn't changed. Okay. But what's it coming through as? Because, like, this is Yeah. So it's s h a n k k e w n e g y. e, Yep. yes, @hotmail.com. At hot mail Alright. dot I com. will check with IT. Can I have a what would it look like? What would I be looking for? What does it say? Is it just Let me see. okay. Well, yes. So it say Oakview newsletter, Okay. and it is comes out once a month, typically. And if you are obviously receiving emails from us, otherwise, it should not go to spam. Sometimes it goes to spam, but yeah. I received yeah. Okay. It's showing a bit. Okay. So where is this going? I'm just looking. I've just, like, done a massive search on my phone. Mhmm. Yeah. And I'm and I'm I think it's it's been going into must be going okay. No. That's a 05/20/2025, 08/10/2022, 03/26/2026. Oh, no. That's that's gone to quarter forty eight of August. I think I'm really getting that one, maybe one oh, gosh. Doesn't look very regular here. 40 Okay. eight That's of strange. August, 11/17/2025. But not and the only thing I've received this year is the twenty sixth annual review from Whitland Smith's quarter summary on the March 26, but that went to quarter. Okay. Weird. Looks like I things will have been yeah. I yes. will have to See change if you can it so that it comes up in my Yes. email. And I will also just check with IT if there's a bug or something because you should be receiving them. But, yeah, flag it as not spam so you do get them, but I will also follow-up with IT to see if there's, like, a a bug or something Yeah. Yeah. I why don't you're know. not Okay. receiving them. Thank you. Great. No. That's okay. But with the the newsletter, what I was going to say is that we the latest one, if you would have to receive it, it does talk about that we have recently teamed up with BlackRock. Have you heard of them before? Yeah. I have. Yes. So we have recently teamed up with them and created an SMA with them, so a self managed account with them. Have you ever heard of an SMA? So not a self managed super fund, an SMA. Have you ever heard of that No. structure before? I haven't. No. No. So what an SMA is, it is a self managed account. So it can still very much look similar to how you have 24 set up where you do have a heap of different investment that you are invested in.","start_word":11327,"end_word":11915,"sentiment":"neutral","sentiment_score":-0.01300767740212596},{"text":"The the positive thing with the SMA is that how it's set up, it will allow us a little bit more flexibility in making changes for you quickly.","start_word":11916,"end_word":11943,"sentiment":"positive","sentiment_score":0.7206124663352966},{"text":"So, for example, Okay. in a model portfolio, which is how it is now, if we foresee that there is, let's say, Benelon, for example, slightly underperforming and we wanna make a change from a compliance point as well, we will obviously do research regardless. We would put a proposal together for you. We would have to book it in time with you, present the changes. You would have to sign off on the changes before we can go and make the change. So Yes. it does mean that sometimes it can take a little bit longer. And as you would know, sometimes with investments, you do wanna make choices quickly if there are going things can happen quickly. So Yeah. with the SMA, how it is differently is that you would be invested in a portfolio. So let's just call it a high growth portfolio. Now within that portfolio, you still have a range of different investments similar to what you would have now in terms of how many options and stuff like that. But Yeah. what it allows us to do is that because you were just invested in, let's say, Oakview high growth portfolio, we can then go and make quick changes for you in the back end if we just see that is is better off making a change. We don't have Okay. to go through that whole SOA booking presenting it through you. We can just go ahead and make the change and let Yep.","start_word":11944,"end_word":12193,"sentiment":"neutral","sentiment_score":0.10937070846557616},{"text":"you know afterwards what we have made. So it does make it a bit more streamlined and quicker to make the changes.","start_word":12194,"end_word":12215,"sentiment":"positive","sentiment_score":0.569649338722229},{"text":"The only thing would be that it would be less oversight on your end in that way because you wouldn't have to sign off for the change before we make it. You'd still get notified of it. We would just make it a bit more proactive in the back end. So it is a different way of setting it up. And because we have joined with BlackRock on it, we're obviously using all of their investment team as well as our internal investment team to kind of build and create these different portfolios, and we get access to all of their kind of risk management software as well. Okay. Is that approach something you are are you referring through? It's something I'm open to, but it's something that I'm not so it's something that I don't have my head around. To be fair, Nope. I That's have okay. not No. That's yet. okay. I don't no. I found that. Okay.","start_word":12216,"end_word":12375,"sentiment":"neutral","sentiment_score":0.09034085131715984},{"text":"That sounds great.","start_word":12376,"end_word":12378,"sentiment":"positive","sentiment_score":0.48096704483032227},{"text":"It sounds like it's minimizing a whole lot of admin Mhmm. and time. It's right Yes. with the time saving. So therefore, Mhmm. it's allowing you to opt out of a portfolio or change a fund Mhmm. ASAP rather than having to wait for all of the the The reviews compliance. and the emails Yep. and the sign offs and the authorizations, Mhmm. you can actually do it quicker Yep. and Yes. before things change or fall dramatically. Is that what you sort of mean? That is a 100% correct. Yes. Okay. So Well, I'm what I will do is I will factor it in my good. research. Now if I've researched the SMA and the SMA turns out to be you have to pay a lot of tax and it's not performing as well or fees, then I'm not gonna recommend it. But if I do Mhmm. the Yep. research and it shows off that, well, it's actually a very competitive option and it is putting you in a better position than other options, then I will consider it. Yeah. What I can also do is I can send you an email just so if you wanted to read off on a little bit between now and our next call about Yes. the SMA. So I can send you, like, a bit of a brochure and some information, just some general information in regards to the SMA so that you can have a read over it.","start_word":12379,"end_word":12625,"sentiment":"neutral","sentiment_score":0.12839679419994354},{"text":"If I do decide to recommend it, I will have everything in the proposal anyway. So it will be, like, a full Yeah. extended version of everything if it turns out to be the best Yeah. option for you.","start_word":12626,"end_word":12664,"sentiment":"positive","sentiment_score":0.4017071723937988},{"text":"Because that's the estimate Yep.","start_word":12665,"end_word":12669,"sentiment":"neutral","sentiment_score":0.20378677546977997},{"text":"and, again, like, all that sort of stuff, it's great when you got someone that's all over your portfolio and doing it and looking at it and Yes. on top of it.","start_word":12670,"end_word":12701,"sentiment":"positive","sentiment_score":0.46930980682373047},{"text":"You know? But Yes. it's not good if it's sort of just not being if it's Left. you Yep. know what I mean? It's only as good as the person managing it. Mhmm. Mhmm. And Like and I like get like that. on software. You know what I mean? Like, if it's Yes. sort of sitting there, it's not gonna if if someone's not quick to jump on it, then Yes. it's not gonna do anything. What's yes. But if you're And really and quick I at it, then it makes yes. all the sense in the world to be able to action Yes. it immediately and and beat the fall or hit all the rides or whatever it Yes. is that Yep. you're No. trying No. to catch. I get it. Do Yeah. you know what I'm And trying and to say? that's Because the I'm not a I'm not yes. I'm not qualified in any way at all to talk your language. No. That's fine. I get what I you have I no get. idea what Most I'm saying, most of but I the know time, what people I mean. don't. Most I I completely I completely get it because most of the clients I speak with don't. People Pardon? don't work in finance. So it's no. It is it is fine, and I get it.","start_word":12702,"end_word":12929,"sentiment":"neutral","sentiment_score":-0.06479931622743607},{"text":"And, yeah, the good thing is with the SMA, because we are working with Blackhawk, we obviously have an extensive backup of all of their research and expertise Alright.","start_word":12930,"end_word":12958,"sentiment":"positive","sentiment_score":0.368452787399292},{"text":"and everything as well, Okay.","start_word":12959,"end_word":12963,"sentiment":"neutral","sentiment_score":0.25501251220703125},{"text":"which is great.","start_word":12964,"end_word":12966,"sentiment":"positive","sentiment_score":0.6071988344192505},{"text":"So so I will look at it. I will still send you an email with the the research, just just general about the estimate so you can have a read of a read over it. Okay. Thank Mhmm. you. No. That's okay. So what I'll the last thing I'll just quickly run through there, Shannon, is just to see if there's anything else major that has changed that I need to factor in when I do put this proposal together. So let me see here. You obviously, you're still married. Still have two financial Yes. dependents? Yep. Yep.","start_word":12967,"end_word":13064,"sentiment":"neutral","sentiment_score":0.08715750223823956},{"text":"That's beautiful.","start_word":13065,"end_word":13066,"sentiment":"positive","sentiment_score":0.604243278503418},{"text":"Obviously, off work, we've already touched on that. Property, I've already changed the mortgage. Now how much is your property valued at the moment? I think it's about 1.6, 1.7. 1.6. Oh, wow. That's nice. I had a one No. point No. No. two here. Sorry. Did you say No. 1.7 or 1 Well 6? but that if the bank was to go in and value it, they would probably because my my neighbor, she just had hers valued. But Mhmm. Yep. hers is still on the corner, and it's not as big. Mhmm. But the bank valued hers, I think, at 1.4 just Mhmm. conservatively because it was kind of, like, Okay. one of those, yeah, a conservative thing. But Yep. ours has the extra bedroom and all the things like that, and they sleep out. Okay. Yeah. Like, an extra yeah. So, like, a granny flat available Okay. at the back. Oh, nice. So yeah. So Yeah. probably So I think about it's one six at least. yeah. Definitely. I think Yeah. that would be conservative on it. Yeah. Yeah. Yeah. Perfect. Other assets, do you have a motor vehicle caravan? Mhmm. We have yeah. Our cars are all paid for. We've got two cars. We've got a product and a which is probably worth about 25 Mhmm. and because it's an older one now, and our small car is probably worth 5. Yep. Unfuly Yeah. paid off. And Yeah. caravan? Caravan. We've just got all the camping gear. We don't have anywhere to store our caravan at the minute we Yep. Okay.","start_word":13067,"end_word":13331,"sentiment":"neutral","sentiment_score":-0.006703745433182086},{"text":"sold Perfect.","start_word":13332,"end_word":13333,"sentiment":"positive","sentiment_score":0.47094422578811646},{"text":"it. Any other assets? Savings, offset, boats, motorbikes? Oh, I've already factored all of that in. I always got, like, yeah, $1,500 in a boat, half the half in a small sailboat. All Yep. of our yeah. We've got assets, like, you know, stuff like, you know, jewelry and Mhmm. stuff, but I'm not gonna bother with accounting for that. That's fine. That's Okay.","start_word":13334,"end_word":13397,"sentiment":"neutral","sentiment_score":0.08252832293510437},{"text":"Perfect.","start_word":13398,"end_word":13398,"sentiment":"positive","sentiment_score":0.3749178647994995},{"text":"yeah. Sorry. I'll just have the the property, the two car, and then the boat did you say 15 and a half thousand? No. It's only small, probably worth that. Yeah. I'd because that we've gone half, it's probably it's a more small trailer sale. That's probably worth about 5. That's a 3 Five. or Okay. 4. K. I'm probably yeah. Just say $1.01 and a half. I wouldn't even it needs me to work on it at the minute. Okay. Just one Don't thousand even count five it. 100. Okay. Yeah. No worries. Anything else? Mhmm. Like what? Like, sort of no. See, that's the thing. We don't have any other assets or anything like No. that. Okay. We've just lived without a simple life. Yeah. No.","start_word":13399,"end_word":13526,"sentiment":"neutral","sentiment_score":-0.02668140083551407},{"text":"That sounds lovely.","start_word":13527,"end_word":13529,"sentiment":"positive","sentiment_score":0.3622018098831177},{"text":"We did have a lot, and now we've we've sold we've sold them all and just wanted to keep, yeah, very simple. Yeah. Yep. No. I'm with you there. Sometimes Mhmm. you can very much overdo it, and then you I just can't. need to This dress? get rid of it. Yeah. This dress. Look. Yes. Yeah. Mhmm. Wow. Now health and lifestyle, I have you done there as a nonsmoker. No, Yep. you know, significant health issues or injuries or medications. No. Very healthy.","start_word":13530,"end_word":13614,"sentiment":"neutral","sentiment_score":-0.013413460925221443},{"text":"Beautiful.","start_word":13615,"end_word":13615,"sentiment":"positive","sentiment_score":0.37920135259628296},{"text":"Estate planning. Do you guys have a will in place or anything like that? That's the next thing. Okay. On That's the the next thing. to do list. Yep. Yeah. Do you have someone that you know or that you can go to, or would you like me to include, like, a brochure of one of the firms we work closely with as, like, pricing and stuff? Yep. Go for it. But at the Yep. same time, we'll probably I know that, like, the first life saving and all those sort of things, they do free wheels and all that stuff. So I should probably do it like that, possibly. Yeah. I'm not Perfect. sure. That I'll was very include straightforward. it. That way, you have Yeah. it in your inbox. You can ignore Thank it you. if you want, but it's there. It's there.","start_word":13616,"end_word":13760,"sentiment":"neutral","sentiment_score":0.13155033259556212},{"text":"Yeah. Thank you.","start_word":13761,"end_word":13763,"sentiment":"positive","sentiment_score":0.38269472122192383},{"text":"No. That's okay. Other goals that you kind of were working towards in the next twelve months, paying off the mortgage I have here, and do some renovations to the home. Is that Yeah. still I've something been doing that quite you guys a lot. are? Okay. Yeah. No. Perfect. I've been doing quite a lot. But, see, I Okay. find that rather than paying someone $90 an hour at the moment Mhmm. to, like, you know, paint and do things that I can do and allow me Yeah. to be at Yeah. home full time when my husband comes home, then work on Yeah.","start_word":13764,"end_word":13868,"sentiment":"neutral","sentiment_score":0.122472383081913},{"text":"his way. It just gives us freedom.","start_word":13869,"end_word":13875,"sentiment":"positive","sentiment_score":0.3747198283672333},{"text":"Yeah. So me working, it's not like I'm not doing anything at home. I'm painting. Yeah. Yeah. I'm tyleeing. I've just, yeah, redone our reskinned our back shed and, like, you know, done all the Oh, things. wow. But all these things are happening, and it's, like, makes a massive difference. So I have to that having to redraw on it. Yeah. Oh, no. That's good. Especially if you have those skills or learn the skills Well, to do it. all of You us know?","start_word":13876,"end_word":13960,"sentiment":"neutral","sentiment_score":0.10162057727575302},{"text":"can actually do it. It's really freaking easy.","start_word":13961,"end_word":13968,"sentiment":"positive","sentiment_score":0.5116365551948547},{"text":"You just gotta, like, be bothered and actually, like, have a fair amount of tools available to you as Yes. well. So, you know, if you've got the tools in the names, it's easy, but it's very Yeah. difficult if you don't have them. Yeah. And I think that's my problem that I'm just like, oh, not the time or the tools, and Well, the that's investment it. that's it. To invest in Yeah. the tools, it's it's like they're expensive. And so if you're going to use them and you can see the value in having them, well, then it's great. Yeah. You know? Yeah. Like, it's amazing what you can do with a nail gun and a staple gun and I can and imagine. yeah. And a goodwill. No. It's fun. Yeah. Yeah. Yeah. Yeah. All you need these Perfect. days is, like, a couple of like, you need to, like, go, oh, Zita or what what what brand am I gonna use? And you gotta see like, it's a really it's really easy to be able to, like with all the battery charged tools and stuff, like, with the with the, like, rechargeable batteries that are all multi you know, they they all go into the same sort.","start_word":13969,"end_word":14179,"sentiment":"neutral","sentiment_score":0.07510989159345627},{"text":"It's amazing. Tools are a lot cheaper, and you can actually do so much more now.","start_word":14180,"end_word":14195,"sentiment":"positive","sentiment_score":0.544232189655304},{"text":"Yes. Yeah. So much easier Yeah. for females to learn who like Yeah. crafting. If you can craft, you can do you can Yeah. do renovating. Yeah. That that makes sense, and that's good. And I'll keep that Can't in mind. believe it. Yeah. Believe it. Now, Yeah. Shannon, I like I said, I won't get you to sign the OSA now. I'm happy Yeah. to just leave it because, obviously, do the proposal fast Yeah. and then see how you feel.","start_word":14196,"end_word":14277,"sentiment":"neutral","sentiment_score":0.12028557062149048},{"text":"Now Thank you.","start_word":14278,"end_word":14280,"sentiment":"positive","sentiment_score":0.34019285440444946},{"text":"it will take me about, let me see here, typically about a week or so to put it all together. Now Yeah. because I'm doing let me have a look here. Next week, I'm pretty fully booked. The following week, Monday, the first to the fourth. Do you have any availability? Yeah. That's fine. I'm free all day Monday.","start_word":14281,"end_word":14339,"sentiment":"neutral","sentiment_score":0.1244179331145044},{"text":"Okay. Perfect. Really Now into schooling.","start_word":14340,"end_word":14345,"sentiment":"positive","sentiment_score":0.436277449131012},{"text":"let me yeah.","start_word":14346,"end_word":14348,"sentiment":"neutral","sentiment_score":0.26397475600242615},{"text":"Which is great because usually after Yeah. hours fills up the fastest. So school hours, I love it.","start_word":14349,"end_word":14366,"sentiment":"positive","sentiment_score":0.5212604403495789},{"text":"Yeah. Yeah. Yeah. Sorry. Let me have a look here. Sorry. Monday, I could do I could do 01:30 my time, which would be 11:30 your time. Would that work? Yep. That's fine. Yeah. Yep. Okay. Mhmm. So I will book that in on Monday, June 1 at 11:30AM your time. Now Yep. would you like a reminder text sent, like, two hours before the appointment if anything does come up and you can't Yes, make it? please. Yeah. Yes, please. No worries. If anything does change, though, like I said, you can't make it or need to reschedule, just let me know, and I'll see Yep. if I can shuffle a few things around for you. It's But fine. otherwise I haven't yeah. okay. Perfect. It'll Otherwise, be fine. I will give you a call on Monday, June 1 at 11:30AM your time, and I'll go through the proposal of potentially estimated at best, checking on your investments a little bit more, and then also the income protection and get all Yep. of that sorted for you. And then we Excellent.","start_word":14367,"end_word":14548,"sentiment":"neutral","sentiment_score":0.06012717634439469},{"text":"can take it from there. Sounds great.","start_word":14549,"end_word":14555,"sentiment":"positive","sentiment_score":0.4446936249732971},{"text":"No worries. Alright, Do Katie. you have Thank any you other so much questions for that. for me, or that's all No. good At for now? the moment, all good. No? Looking forward Okay. to, yeah, looking forward Yeah. to what you come back with, actually. Yeah. So Yes. thank you. Well, sir, if there's Alright. anything you need in the meantime, Shannon, don't hesitate to give me a call or send me an email. Okay? I will. Thank you. Okay. No worries.","start_word":14556,"end_word":14638,"sentiment":"neutral","sentiment_score":0.09691452234983444},{"text":"Well, thanks Thanks, again.","start_word":14639,"end_word":14642,"sentiment":"positive","sentiment_score":0.3465442359447479},{"text":"Anne. Bye. Bye.","start_word":14643,"end_word":14645,"sentiment":"neutral","sentiment_score":0.14911457896232605}],"average":{"sentiment":"neutral","sentiment_score":-0.0033912666147812164}}}}