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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Okay. I do have the 11 Yuraga Place. Is that your new one? Yeah. Okay. Beautiful. Now, Josh, before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything is at? Yep. Yeah. No worries. I will definitely go through all of that with you today. Now, Josh, what I might do first is just to run through just a bit of a updated fact fund with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kinda bear with me as I run through this. Now when it comes through your personal information, I have you down here as married with true financial dependents. Is that correct? Yep. Beautiful. And next up, Kin, I have Marissa nominated. Is that still the case as well? Perfect. And when it comes to your employment, has any of that changed while you're still working as a dispatch inventory manager? Yep. Beautiful. Now I have income at about a 105,500. That sounds okay. Beautiful. I will update that. And your employer, they still just pay you that kind of standard 12% contribution into super. There's no Like, end up. Yeah. Perfect. And you're not making any additional contributions, are you? Just that from your employer? That is all good. Now asset wise, this might be your old one, so we'll check. The property I have here was valued at 1.5 million. Okay. Who knows now? So do you so do you think about the 1.5 would be fairly fairly accurate? Yeah. Yeah. Perfect. And I have Mhmm. Do you want me to change it to 1.65? Yeah. Perfect. And I have mortgage at about 860,000. Yep. Perfect. Now I also have savings above 4,000. Oh, beautiful. About 35. Perfect. Otherwise, motor vehicle still a company car, or do you have anything personally as well? Okay. Any other assets, motorbikes or boats or anything else? Nope. Perfect. No. And any other liabilities, like personal loans, credit cards, ZipPay? Nope. And health and lifestyle wise, so have you done her as a nonsmoker? Is that still the case? Perfect. And have you had any significant health issues or injuries or any changes to your health in the last twelve months? No. That's good. When it comes to estate planning, do you have a will or part of attorney in place? Do you know? No. No. That's okay. Would you like me to get the team to send you, like, a brochure and some pricing of a firm that we work closely with for a while, or do you know somewhere local? Okay. Kinda in the process anyway. Yep. Oh, that's great. And when it comes to super as well, I have your wife, Marissa, nominated to receive the benefits if something were to happen? Yep. Perfect. I can see that that we haven't received the insurance nomination. Do you remember receiving that form in the post at all? No? So what so what I can do is I can get the team to resend you those documents just for the insurance because the Subaru is already in place, which is great. Now, Josh, do you have access to a printer or do you press a post? Okay. Perfect. Yeah. Okay. Perfect. Alright. I'll get the team to email that to you, and we can get that sorted. Otherwise, when I guess when it comes to kind of goals, the stuff that you are working towards, stream and review is also a good time to kind of check-in and see what's happened, what your goals are, if anything has changed. So last time we spoke, your focus was to kind of settle into the new property, maybe do some house renovation. Is that kind of are you still planning to do some renovations to the house, or have you done some? Okay. That's good. Other than that, though, is there anything else that you are working towards or the family's working towards financially or non financially? Nope. Just paying down the mortgage. Yep. Yep. No. Perfect. And when it comes to your superannuation, I have here that, ideally, you'd love to retire at 60 and draw a weekly income of about $1,000 per week. Do you still think that would be achievable? Like, cover bills and expenses, the thousand dollars per week? Yes. Yeah. And that's that's what most people say, to be fair. They're like, well, if I don't have a mortgage, a thousand dollars just for you would kind of cover lifestyle. Do some traveling and just enjoy retirement. Yep. Beautiful. Now the next thing I do wanna check with you, it is just your risk profile just to see if your risk tolerance or anything has changed when it comes to how your money is invested. So I'll just run through a couple of questions with you. It is just multiple choice just to make it nice and easy, and it's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Beautiful. Now at the moment, how much risk would you say that you are willing to key take for your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yep. Yep. Perfect. Hi. Yep. And that's what you said last time as well. And have you bought any direct shares or personal investments? Nope. And when it comes to fluctuations in the market so seeing fluctuations in the market, would you say that that would make you feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious? Yes. Mhmm. Yep. Okay. Too much. Yeah. Okay. So at the moment, when it comes to your risk profile, we have you invested in a high growth portfolio. So, essentially, that means or it's for investors who are wanting to maximize growth as much as possible from their superannuation while you still have plenty of time, but also are comfortable with seeing short term fluctuations in order to achieve that. So you will have a bit of fluctuations in a high growth portfolio short term to try to achieve that growth in the long term. Now when it comes to how your money is actually invested, in a high growth portfolio, we see about 90% invested in your growth assets. Now this is a combination of Australian shares, international shares, as well as property, and that is what's going through kind of make things grow for you. And then you have about 10% in defensive. So that is, like, your cash, your gold, your fixed interest. Seamless fluctuations are at least a bit, but only at about 10%. Do you feel like that still aligns with you, or do you feel like you wanna take one step down to just a growth profile if you feel like high? Yeah. Yep. Yeah. And growth is exactly that. It is eighty twenty. So it's one step down. It still means, obviously, 80% is invested in growth to kinda grow that, but a little bit more defensive at the same time. So what I will do after the call today is that I can go and do some research on your current high growth and a growth portfolio, and I will put together a bit of a proposal to show you the change. And then if you are happy with it, we can go ahead and make those changes for you. Yep. Perfect. Otherwise, Josh, do you have access to your emails at the moment? Yeah? Okay. So I have just sent you an email with some documents to kind of run through with you, and it just makes it a little bit easier if you can access those at the same time. Yes. That's me. Now it will ask you to click on a link to sign. It won't get you to sign right away, though. It will allow you to open up and look at everything first just to make sure you are happy before it prompts you to sign anything. Sorry. Let me know if you can see the first document where it says summary of superannuation and insurance. Yep. Perfect. So this just kind of breaks down your current situation at the moment. Now I did have a look at your super balance as of last year as well just for that kind of comparison. And at that time, your super balance was at 249,757. And as you can see now, it's at 279,197. Now underneath that, you can then see your insurance with TAL. So you have life and total permanent disability, which is one million 290,504 for both of those. Are you still happy with the level of cover you have for life and TPD? You still think that would, you know, cover your needs? Yep. Beautiful. And your income protection will cover you for a monthly benefit of 6,043. You do have that shorting waiting period of twenty eight days, a five year benefit period. Now all three are paid from within the super annuation. You do get a 15% tax rebate. So total premium for all three is 2,627. Do you have any questions in regards to your insurances, or that's pretty straightforward? No. No. It hasn't expired. Did you get did you get an email or anything saying anything? That is yes. But that is to make a nomination. So that is so so you can nominate so let let's say you wanna nominate Marissa again. So if something were to happen to you at the moment, your super would go to her. Your insurance, there is no nomination. So that would mean that it would go through the trustee. They would then make a decision of who it would go through. So that is just to nominate a person or people for your insurance. So we can make sure that if something were to happen, your child cover would also go through Marissa if that's what you want. Yep. Does that make sense? Yep. Yep. Beautiful. Now the next document is your performance report with IRR. Can you see that one? It's like hub twenty four. Yep. So this one here breaks down all your investments in a little bit more detail. Now it shows you the last twelve months and how all your individual investments have performed. Obviously, the last twelve months, we have had quite a bit of fluctuations in the market, especially being in a high growth. You can have a little bit more of those fluctuations. So looking at reducing that to growth should minimize the fluctuations a little bit. Now part of the research is that I also want to consider potentially changing at least one of them for you, which is the top one here, which is your Benelung Australian equity. So if you wanna look at the second column to the right, it should say internal rate of return, and there's, like, a percentage. Yeah. You can see where it says note two, and it has, like, a a a bunch of different percentages. Yep. So that represents the percentage of the individual investments. So the top one here within the bracket is underperforming a bit at the moment, and that is the one I want to particularly look at changing for you if appropriate through making sure that we have you in the best options moving forward because things are always changing. So the good thing with hub twenty four is that there's hundreds of options for us to choose from, and we do wanna make sure we obviously are proactive with your investments and have you in the best options for you. Does that all make sense? Yep. Beautiful. Now if you can go to the next document for me, it should be your Vanguard index chart, like a big graph. And the one after that one? Yeah. Do you can see the graph? Yes. Do you remember seeing something like this before? Yeah. So every year Vanguard does release a new copy. The next one is due to come out any day now because they do release it at the end of the financial year, which is great. Essentially, what it is, it just shows us kind of a good visual representation of what we are talking about when we are talking about the market. So it kind of shows you all those ups and downs and fluctuations. Now referring it back to that risk profile, if you look at the right side, you can kind of see all the different asset classes. So the growth ones is your top four. So that is that you can see your light green, which is The US shares. You have your dark green Australian shares. You have yellow property, and then sorry. The yellow is international shares, and then maroon color is property. So this is at the moment where you have 90%, and we'll look at just having about 80% here. So a little bit less, but still, obviously, focusing on that growth. And then the bottom is, obviously, those defensive for you. Does that all make sense? Yep. Beautiful. Now the next document should be your Tau Certificate of Currency, I believe. Yep. So that just breaks down your insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. Yep. Now the next document should be your Oakview services guide. Yep. Now you probably have seen this a few times before. It is one of those compliance documents. It does give you all the important information in regards to us here at Oakview Financial. You'll have all the information about the team, our directors, and our advisers in them. Now if you do want to scroll down to page 10, I believe, you will be able to see a photo of myself there if you do wanna put a face to the voice. Yep. Perfect. The only other change I do want to mention is just in regards to the fee structure. So let me just find where it's outlined here for you. Let me see if I can find the page. I can't seem to see it here, but I'll get oh, actually, yes. Here it is. Sorry. Page 17. So it should say ongoing service fee. That's okay. The ongoing service fee page, and there should be, like, a little table showing the fee structure. But if you can't see it, I can, just tell you tell you the difference if it's a bit tricky. Essentially, the current fee structure is that it was 1.65% throughout the balance. So we kind of stay that flat at 1.65. Now with the new fee structure that we've just changed, it does make it a little bit more affordable as your super balance grow. So for you, you kinda fall into two categories, which is great. So the 0 to 200 stays exactly the same at 1.65, but then the difference between the 200 and the 500 is then reduced to 1.375. And then it kind of tears down, and then the next tier is 500 to a million, which is then further reduced at 1.1, etcetera. So it does mean because you are over that 200,000, it will mean that the next twelve months will be a little bit cheaper for you than with the old structure, if that makes sense. Yep. Yep. Beautiful. So on the next page, it should be consent to new ongoing fee arrangement. Yes. Yep. Perfect. So that one here is just to say that you're happy to stay on as a client. Now we've kind of already talked about the changes in the fee structure, which is good, and then there's also not a lock in contract. So, you know, if at any point in time you are not happy with the service and there's no lock in contract, but by signing this document, otherwise, it just allows us to manage everything for you in the meantime. But this one here, it will ask you for a little signature if you're happy with that. Yep. And then aft yes. It should allow you to, like, draw a little signature. Oh, beautiful. Probably because from last time. And there should be one more document after this one at which you can do sign all because it's just two documents, so it should take you to this one first and then the next one. Yep. And then the next document should be option to provide tax file number, it should say. Yes. That's the that's the, yeah, that's the the one we spoke about, the ongoing service agreement. Yep. Sometimes with technology. It's great when it works, but pain painful sometimes. And I think yep. So if you press validate, that means you have added the signatures where it is required to do so, which is just that ongoing service agreement and then the tax fund number form. It is just a form to say that we are keeping your tax fund number secure and safe on file. We already have it, so you don't need to provide it or anything like that. So pressing validate, it will just load and send everything back to me, and they will also save a copy for you. So if you do wanna go back at any point and have a read through it, it's all there for you. And I can see here that that's come through on my end, which is great. Now, Josh, while I have you on the phone, I'd like to see if I could book you in for the follow-up appointment to kind of go through the change in the growth profile and potentially any changes for the investments. So when is a good time for you to do that? It will take me about a week to put it all together for you. What's your availability usually like? When's best? This time. Okay. Alright. Okay. Let me help. Okay. Okay. Okay. Beautiful. So I could do yeah. Perfect. Now what I could do, I could do Tuesday September 1 at 11AM again. Would that work? Yeah. Okay. Beautiful. Now I will book that in on a Tuesday, September 1, which is crazy by September already, at 11:00. If anything does change, would work, or something and you can't make the appointment, just let me know, and I'll see if I can get things shuffled around for you. Yep. Beautiful. And I will also get the team to email you that insurance form so that we can get that sorted for the nomination as well. Yep. Perfect. Do you have any questions for me, otherwise, before I let you go and enjoy the rest of your day? No? Yep. Yeah. It's all going good. And, yeah, we'll go through a little bit more, like, projections and everything with the changes on Tuesday the first for you as well. Yep. No worries. Thanks for your time today, and I look forward to speaking with you on the first. Mhmm. Thanks. 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morning, Josh. This is Veronica from OCU Financial. How are you? That's good. I had you booked in to go over your under review.\n\nIs now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Perfect.\n\nAnd just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Okay. I do have the 11 Yuraga Place.\n\nIs that your new one? Yeah. Okay. Beautiful. Now, Josh, before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything is at?\n\nYep. Yeah. No worries. I will definitely go through all of that with you today. Now, Josh, what I might do first is just to run through just a bit of a updated fact fund with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice.\n\nSo just kinda bear with me as I run through this. Now when it comes through your personal information, I have you down here as married with true financial dependents. Is that correct? Yep. Beautiful.\n\nAnd next up, Kin, I have Marissa nominated. Is that still the case as well? Perfect. And when it comes to your employment, has any of that changed while you're still working as a dispatch inventory manager? Yep.\n\nBeautiful. Now I have income at about a 105,500. That sounds okay. Beautiful. I will update that.\n\nAnd your employer, they still just pay you that kind of standard 12% contribution into super. There's no Like, end up. Yeah. Perfect. And you're not making any additional contributions, are you?\n\nJust that from your employer? That is all good. Now asset wise, this might be your old one, so we'll check. The property I have here was valued at 1.5 million. Okay.\n\nWho knows now? So do you so do you think about the 1.5 would be fairly fairly accurate? Yeah. Yeah. Perfect.\n\nAnd I have Mhmm. Do you want me to change it to 1.65? Yeah. Perfect. And I have mortgage at about 860,000.\n\nYep. Perfect. Now I also have savings above 4,000. Oh, beautiful. About 35.\n\nPerfect. Otherwise, motor vehicle still a company car, or do you have anything personally as well? Okay. Any other assets, motorbikes or boats or anything else? Nope.\n\nPerfect. No. And any other liabilities, like personal loans, credit cards, ZipPay? Nope. And health and lifestyle wise, so have you done her as a nonsmoker?\n\nIs that still the case? Perfect. And have you had any significant health issues or injuries or any changes to your health in the last twelve months? No. That's good.\n\nWhen it comes to estate planning, do you have a will or part of attorney in place? Do you know? No. No. That's okay.\n\nWould you like me to get the team to send you, like, a brochure and some pricing of a firm that we work closely with for a while, or do you know somewhere local? Okay. Kinda in the process anyway. Yep. Oh, that's great.\n\nAnd when it comes to super as well, I have your wife, Marissa, nominated to receive the benefits if something were to happen? Yep. Perfect. I can see that that we haven't received the insurance nomination. Do you remember receiving that form in the post at all?\n\nNo? So what so what I can do is I can get the team to resend you those documents just for the insurance because the Subaru is already in place, which is great. Now, Josh, do you have access to a printer or do you press a post? Okay. Perfect.\n\nYeah. Okay. Perfect. Alright. I'll get the team to email that to you, and we can get that sorted.\n\nOtherwise, when I guess when it comes to kind of goals, the stuff that you are working towards, stream and review is also a good time to kind of check-in and see what's happened, what your goals are, if anything has changed. So last time we spoke, your focus was to kind of settle into the new property, maybe do some house renovation. Is that kind of are you still planning to do some renovations to the house, or have you done some? Okay. That's good.\n\nOther than that, though, is there anything else that you are working towards or the family's working towards financially or non financially? Nope. Just paying down the mortgage. Yep. Yep.\n\nNo. Perfect. And when it comes to your superannuation, I have here that, ideally, you'd love to retire at 60 and draw a weekly income of about $1,000 per week. Do you still think that would be achievable? Like, cover bills and expenses, the thousand dollars per week?\n\nYes. Yeah. And that's that's what most people say, to be fair. They're like, well, if I don't have a mortgage, a thousand dollars just for you would kind of cover lifestyle. Do some traveling and just enjoy retirement.\n\nYep. Beautiful. Now the next thing I do wanna check with you, it is just your risk profile just to see if your risk tolerance or anything has changed when it comes to how your money is invested. So I'll just run through a couple of questions with you. It is just multiple choice just to make it nice and easy, and it's just whatever you feel is the most appropriate for you.\n\nDoes that make sense? Yep. Beautiful. Now at the moment, how much risk would you say that you are willing to key take for your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nYep. Yep. Perfect. Hi. Yep.\n\nAnd that's what you said last time as well. And have you bought any direct shares or personal investments? Nope. And when it comes to fluctuations in the market so seeing fluctuations in the market, would you say that that would make you feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious? Yes.\n\nMhmm. Yep. Okay. Too much. Yeah.\n\nOkay. So at the moment, when it comes to your risk profile, we have you invested in a high growth portfolio. So, essentially, that means or it's for investors who are wanting to maximize growth as much as possible from their superannuation while you still have plenty of time, but also are comfortable with seeing short term fluctuations in order to achieve that. So you will have a bit of fluctuations in a high growth portfolio short term to try to achieve that growth in the long term. Now when it comes to how your money is actually invested, in a high growth portfolio, we see about 90% invested in your growth assets.\n\nNow this is a combination of Australian shares, international shares, as well as property, and that is what's going through kind of make things grow for you. And then you have about 10% in defensive. So that is, like, your cash, your gold, your fixed interest. Seamless fluctuations are at least a bit, but only at about 10%. Do you feel like that still aligns with you, or do you feel like you wanna take one step down to just a growth profile if you feel like high?\n\nYeah. Yep. Yeah. And growth is exactly that. It is eighty twenty.\n\nSo it's one step down. It still means, obviously, 80% is invested in growth to kinda grow that, but a little bit more defensive at the same time. So what I will do after the call today is that I can go and do some research on your current high growth and a growth portfolio, and I will put together a bit of a proposal to show you the change. And then if you are happy with it, we can go ahead and make those changes for you. Yep.\n\nPerfect. Otherwise, Josh, do you have access to your emails at the moment? Yeah? Okay. So I have just sent you an email with some documents to kind of run through with you, and it just makes it a little bit easier if you can access those at the same time.\n\nYes. That's me. Now it will ask you to click on a link to sign. It won't get you to sign right away, though. It will allow you to open up and look at everything first just to make sure you are happy before it prompts you to sign anything.\n\nSorry. Let me know if you can see the first document where it says summary of superannuation and insurance. Yep. Perfect. So this just kind of breaks down your current situation at the moment.\n\nNow I did have a look at your super balance as of last year as well just for that kind of comparison. And at that time, your super balance was at 249,757. And as you can see now, it's at 279,197. Now underneath that, you can then see your insurance with TAL. So you have life and total permanent disability, which is one million 290,504 for both of those.\n\nAre you still happy with the level of cover you have for life and TPD? You still think that would, you know, cover your needs? Yep. Beautiful. And your income protection will cover you for a monthly benefit of 6,043.\n\nYou do have that shorting waiting period of twenty eight days, a five year benefit period. Now all three are paid from within the super annuation. You do get a 15% tax rebate. So total premium for all three is 2,627. Do you have any questions in regards to your insurances, or that's pretty straightforward?\n\nNo. No. It hasn't expired. Did you get did you get an email or anything saying anything? That is yes.\n\nBut that is to make a nomination. So that is so so you can nominate so let let's say you wanna nominate Marissa again. So if something were to happen to you at the moment, your super would go to her. Your insurance, there is no nomination. So that would mean that it would go through the trustee.\n\nThey would then make a decision of who it would go through. So that is just to nominate a person or people for your insurance. So we can make sure that if something were to happen, your child cover would also go through Marissa if that's what you want. Yep. Does that make sense?\n\nYep. Yep. Beautiful. Now the next document is your performance report with IRR. Can you see that one?\n\nIt's like hub twenty four. Yep. So this one here breaks down all your investments in a little bit more detail. Now it shows you the last twelve months and how all your individual investments have performed. Obviously, the last twelve months, we have had quite a bit of fluctuations in the market, especially being in a high growth.\n\nYou can have a little bit more of those fluctuations. So looking at reducing that to growth should minimize the fluctuations a little bit. Now part of the research is that I also want to consider potentially changing at least one of them for you, which is the top one here, which is your Benelung Australian equity. So if you wanna look at the second column to the right, it should say internal rate of return, and there's, like, a percentage. Yeah.\n\nYou can see where it says note two, and it has, like, a a a bunch of different percentages. Yep. So that represents the percentage of the individual investments. So the top one here within the bracket is underperforming a bit at the moment, and that is the one I want to particularly look at changing for you if appropriate through making sure that we have you in the best options moving forward because things are always changing. So the good thing with hub twenty four is that there's hundreds of options for us to choose from, and we do wanna make sure we obviously are proactive with your investments and have you in the best options for you.\n\nDoes that all make sense? Yep. Beautiful. Now if you can go to the next document for me, it should be your Vanguard index chart, like a big graph. And the one after that one?\n\nYeah. Do you can see the graph? Yes. Do you remember seeing something like this before? Yeah.\n\nSo every year Vanguard does release a new copy. The next one is due to come out any day now because they do release it at the end of the financial year, which is great. Essentially, what it is, it just shows us kind of a good visual representation of what we are talking about when we are talking about the market. So it kind of shows you all those ups and downs and fluctuations. Now referring it back to that risk profile, if you look at the right side, you can kind of see all the different asset classes.\n\nSo the growth ones is your top four. So that is that you can see your light green, which is The US shares. You have your dark green Australian shares. You have yellow property, and then sorry. The yellow is international shares, and then maroon color is property.\n\nSo this is at the moment where you have 90%, and we'll look at just having about 80% here. So a little bit less, but still, obviously, focusing on that growth. And then the bottom is, obviously, those defensive for you. Does that all make sense? Yep.\n\nBeautiful. Now the next document should be your Tau Certificate of Currency, I believe. Yep. So that just breaks down your insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. Yep.\n\nNow the next document should be your Oakview services guide. Yep. Now you probably have seen this a few times before. It is one of those compliance documents. It does give you all the important information in regards to us here at Oakview Financial.\n\nYou'll have all the information about the team, our directors, and our advisers in them. Now if you do want to scroll down to page 10, I believe, you will be able to see a photo of myself there if you do wanna put a face to the voice. Yep. Perfect. The only other change I do want to mention is just in regards to the fee structure.\n\nSo let me just find where it's outlined here for you. Let me see if I can find the page. I can't seem to see it here, but I'll get oh, actually, yes. Here it is. Sorry.\n\nPage 17. So it should say ongoing service fee. That's okay. The ongoing service fee page, and there should be, like, a little table showing the fee structure. But if you can't see it, I can, just tell you tell you the difference if it's a bit tricky.\n\nEssentially, the current fee structure is that it was 1.65% throughout the balance. So we kind of stay that flat at 1.65. Now with the new fee structure that we've just changed, it does make it a little bit more affordable as your super balance grow. So for you, you kinda fall into two categories, which is great. So the 0 to 200 stays exactly the same at 1.65, but then the difference between the 200 and the 500 is then reduced to 1.375.\n\nAnd then it kind of tears down, and then the next tier is 500 to a million, which is then further reduced at 1.1, etcetera. So it does mean because you are over that 200,000, it will mean that the next twelve months will be a little bit cheaper for you than with the old structure, if that makes sense. Yep. Yep. Beautiful.\n\nSo on the next page, it should be consent to new ongoing fee arrangement. Yes. Yep. Perfect. So that one here is just to say that you're happy to stay on as a client.\n\nNow we've kind of already talked about the changes in the fee structure, which is good, and then there's also not a lock in contract. So, you know, if at any point in time you are not happy with the service and there's no lock in contract, but by signing this document, otherwise, it just allows us to manage everything for you in the meantime. But this one here, it will ask you for a little signature if you're happy with that. Yep. And then aft yes.\n\nIt should allow you to, like, draw a little signature. Oh, beautiful. Probably because from last time. And there should be one more document after this one at which you can do sign all because it's just two documents, so it should take you to this one first and then the next one. Yep.\n\nAnd then the next document should be option to provide tax file number, it should say. Yes. That's the that's the, yeah, that's the the one we spoke about, the ongoing service agreement. Yep. Sometimes with technology.\n\nIt's great when it works, but pain painful sometimes. And I think yep. So if you press validate, that means you have added the signatures where it is required to do so, which is just that ongoing service agreement and then the tax fund number form. It is just a form to say that we are keeping your tax fund number secure and safe on file. We already have it, so you don't need to provide it or anything like that.\n\nSo pressing validate, it will just load and send everything back to me, and they will also save a copy for you. So if you do wanna go back at any point and have a read through it, it's all there for you. And I can see here that that's come through on my end, which is great. Now, Josh, while I have you on the phone, I'd like to see if I could book you in for the follow-up appointment to kind of go through the change in the growth profile and potentially any changes for the investments. So when is a good time for you to do that?\n\nIt will take me about a week to put it all together for you. What's your availability usually like? When's best? This time. Okay.\n\nAlright. Okay. Let me help. Okay. Okay.\n\nOkay. Beautiful. So I could do yeah. Perfect. Now what I could do, I could do Tuesday September 1 at 11AM again.\n\nWould that work? Yeah. Okay. Beautiful. Now I will book that in on a Tuesday, September 1, which is crazy by September already, at 11:00.\n\nIf anything does change, would work, or something and you can't make the appointment, just let me know, and I'll see if I can get things shuffled around for you. Yep. Beautiful. And I will also get the team to email you that insurance form so that we can get that sorted for the nomination as well. Yep.\n\nPerfect. Do you have any questions for me, otherwise, before I let you go and enjoy the rest of your day? No? Yep. Yeah.\n\nIt's all going good. And, yeah, we'll go through a little bit more, like, projections and everything with the changes on Tuesday the first for you as well. Yep. No worries. Thanks for your time today, and I look forward to speaking with you on the first.\n\nMhmm. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Josh.","start":2.8799999,"end":3.76,"sentiment":"neutral","sentiment_score":0.3056781192620595},{"text":"This is Veronica from OCU Financial.","start":3.76,"end":5.7,"sentiment":"neutral","sentiment_score":0.23932536939779916},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.1709272414445877},{"text":"That's good.","start":8.4,"end":9.3,"sentiment":"positive","sentiment_score":0.6874760389328003},{"text":"I had you booked in to go over your under review.","start":9.92,"end":12.16,"sentiment":"positive","sentiment_score":0.3422429453242909}],"sentiment":"neutral","sentiment_score":0.3202157109975815,"num_words":25,"start":2.8799999,"end":12.16},{"sentences":[{"text":"Is now still a good time for you?","start":12.16,"end":13.86,"sentiment":"neutral","sentiment_score":0.26753897219896317},{"text":"Yeah.","start":14.96,"end":15.345,"sentiment":"neutral","sentiment_score":0.3023754954338074},{"text":"Perfect.","start":15.745,"end":16.244999,"sentiment":"positive","sentiment_score":0.4213801622390747},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":16.625,"end":24.005001,"sentiment":"neutral","sentiment_score":0.03538397789515298},{"text":"Perfect.","start":25.744999,"end":26.225,"sentiment":"neutral","sentiment_score":0.3210791051387787}],"sentiment":"neutral","sentiment_score":0.10528204748407007,"num_words":40,"start":12.16,"end":26.225},{"sentences":[{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":26.225,"end":34.78,"sentiment":"neutral","sentiment_score":0.06841184560096625},{"text":"Yep.","start":38.6,"end":39.1,"sentiment":"neutral","sentiment_score":0.013283791951835155},{"text":"Yep.","start":41.64,"end":42.14,"sentiment":"neutral","sentiment_score":0.011434078216552734},{"text":"Okay.","start":47.565002,"end":48.065002,"sentiment":"neutral","sentiment_score":0.008733629249036312},{"text":"I do have the 11 Yuraga Place.","start":54.74,"end":57.7,"sentiment":"neutral","sentiment_score":0.025723420615707124}],"sentiment":"neutral","sentiment_score":0.05746758950137815,"num_words":43,"start":26.225,"end":57.7},{"sentences":[{"text":"Is that your new one?","start":57.7,"end":58.92,"sentiment":"neutral","sentiment_score":0.01980432588607073},{"text":"Yeah.","start":60.34,"end":60.84,"sentiment":"neutral","sentiment_score":9.90554690361023e-6},{"text":"Okay.","start":62.18,"end":62.66,"sentiment":"neutral","sentiment_score":0.13472163677215576},{"text":"Beautiful.","start":62.66,"end":63.16,"sentiment":"neutral","sentiment_score":0.32653114199638367},{"text":"Now, Josh, before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything is at?","start":64.42,"end":78.115005,"sentiment":"neutral","sentiment_score":0.025891423813715977}],"sentiment":"neutral","sentiment_score":0.03140943823927955,"num_words":64,"start":57.7,"end":78.115005},{"sentences":[{"text":"Yep.","start":80.175,"end":80.675,"sentiment":"neutral","sentiment_score":0.0011626854538917542},{"text":"Yeah.","start":85.0,"end":85.5,"sentiment":"neutral","sentiment_score":0.028777580708265305},{"text":"No worries.","start":85.560005,"end":86.380005,"sentiment":"neutral","sentiment_score":0.05565968155860901},{"text":"I will definitely go through all of that with you today.","start":86.68,"end":89.5,"sentiment":"neutral","sentiment_score":0.10022984851490367},{"text":"Now, Josh, what I might do first is just to run through just a bit of a updated fact fund with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice.","start":90.44,"end":102.715,"sentiment":"neutral","sentiment_score":0.00014964426506538782}],"sentiment":"neutral","sentiment_score":0.019548758311429992,"num_words":64,"start":80.175,"end":102.715},{"sentences":[{"text":"So just kinda bear with me as I run through this.","start":102.774994,"end":105.59499,"sentiment":"neutral","sentiment_score":-0.009349847043102438},{"text":"Now when it comes through your personal information, I have you down here as married with true financial dependents.","start":106.375,"end":114.78,"sentiment":"neutral","sentiment_score":0.02404270272113775},{"text":"Is that correct?","start":114.840004,"end":115.740005,"sentiment":"neutral","sentiment_score":0.055354135731856026},{"text":"Yep.","start":117.0,"end":117.4,"sentiment":"neutral","sentiment_score":0.1359735131263733},{"text":"Beautiful.","start":117.4,"end":117.880005,"sentiment":"neutral","sentiment_score":0.25819337368011475}],"sentiment":"neutral","sentiment_score":0.02611978080655847,"num_words":35,"start":102.774994,"end":117.880005},{"sentences":[{"text":"And next up, Kin, I have Marissa nominated.","start":117.880005,"end":121.42,"sentiment":"neutral","sentiment_score":0.07641333853825927},{"text":"Is that still the case as well?","start":121.72,"end":123.42,"sentiment":"neutral","sentiment_score":0.07587312800543648},{"text":"Perfect.","start":124.975,"end":125.475,"sentiment":"positive","sentiment_score":0.5015971660614014},{"text":"And when it comes to your employment, has any of that changed while you're still working as a dispatch inventory manager?","start":125.935,"end":132.515,"sentiment":"neutral","sentiment_score":0.06423626680459295},{"text":"Yep.","start":135.135,"end":135.535,"sentiment":"neutral","sentiment_score":0.1714048981666565}],"sentiment":"neutral","sentiment_score":0.08327321767022736,"num_words":38,"start":117.880005,"end":135.535},{"sentences":[{"text":"Beautiful.","start":135.535,"end":136.035,"sentiment":"positive","sentiment_score":0.4719642400741577},{"text":"Now I have income at about a 105,500.","start":136.255,"end":140.54,"sentiment":"neutral","sentiment_score":0.09702156484127045},{"text":"That sounds okay.","start":142.2,"end":149.0,"sentiment":"neutral","sentiment_score":0.05703055423994859},{"text":"Beautiful.","start":149.0,"end":149.5,"sentiment":"positive","sentiment_score":0.3945848345756531},{"text":"I will update that.","start":149.56,"end":150.94,"sentiment":"neutral","sentiment_score":0.24168522655963898}],"sentiment":"neutral","sentiment_score":0.16356200954931624,"num_words":17,"start":135.535,"end":150.94},{"sentences":[{"text":"And your employer, they still just pay you that kind of standard 12% contribution into super.","start":152.055,"end":157.095,"sentiment":"neutral","sentiment_score":0.033650346798822284},{"text":"There's no Like, end up.","start":157.095,"end":158.61499,"sentiment":"neutral","sentiment_score":-0.06093324590474367},{"text":"Yeah.","start":158.61499,"end":158.935,"sentiment":"neutral","sentiment_score":0.023787356913089752},{"text":"Perfect.","start":158.935,"end":159.25499,"sentiment":"neutral","sentiment_score":0.1450606882572174},{"text":"And you're not making any additional contributions, are you?","start":159.25499,"end":161.575,"sentiment":"neutral","sentiment_score":-0.029659163413776293}],"sentiment":"neutral","sentiment_score":0.00423921542824246,"num_words":32,"start":152.055,"end":161.575},{"sentences":[{"text":"Just that from your employer?","start":161.575,"end":162.875,"sentiment":"neutral","sentiment_score":-0.03950236961245537},{"text":"That is all good.","start":164.13,"end":165.51,"sentiment":"neutral","sentiment_score":0.10717527382075787},{"text":"Now asset wise, this might be your old one, so we'll check.","start":165.81,"end":170.61,"sentiment":"neutral","sentiment_score":-0.012699238917169472},{"text":"The property I have here was valued at 1.5 million.","start":170.61,"end":175.67,"sentiment":"neutral","sentiment_score":0.004014018597081304},{"text":"Okay.","start":184.065,"end":184.565,"sentiment":"neutral","sentiment_score":-0.016268767416477203}],"sentiment":"neutral","sentiment_score":0.0032084312115330258,"num_words":32,"start":161.575,"end":184.565},{"sentences":[{"text":"Who knows now?","start":187.665,"end":188.725,"sentiment":"neutral","sentiment_score":-0.048898873229821525},{"text":"So do you so do you think about the 1.5 would be fairly fairly accurate?","start":189.745,"end":195.125,"sentiment":"neutral","sentiment_score":-0.010252627854545912},{"text":"Yeah.","start":196.52,"end":197.02,"sentiment":"neutral","sentiment_score":0.017600450664758682},{"text":"Yeah.","start":198.04001,"end":198.44,"sentiment":"neutral","sentiment_score":0.0839909166097641},{"text":"Perfect.","start":198.44,"end":198.94,"sentiment":"neutral","sentiment_score":0.13603396713733673}],"sentiment":"neutral","sentiment_score":-0.0029933668140854153,"num_words":21,"start":187.665,"end":198.94},{"sentences":[{"text":"And I have Mhmm.","start":199.24,"end":201.66,"sentiment":"neutral","sentiment_score":0.02299348544329405},{"text":"Do you want me to change it to 1.65?","start":208.825,"end":211.485,"sentiment":"neutral","sentiment_score":0.00029258430004119873},{"text":"Yeah.","start":213.545,"end":214.045,"sentiment":"neutral","sentiment_score":0.04619064182043075},{"text":"Perfect.","start":214.105,"end":214.605,"sentiment":"neutral","sentiment_score":0.11081596463918686},{"text":"And I have mortgage at about 860,000.","start":215.78499,"end":219.405,"sentiment":"neutral","sentiment_score":0.0524121347282614}],"sentiment":"neutral","sentiment_score":0.028113579546863384,"num_words":22,"start":199.24,"end":219.405},{"sentences":[{"text":"Yep.","start":222.98499,"end":223.48499,"sentiment":"neutral","sentiment_score":0.07457216829061508},{"text":"Perfect.","start":223.70499,"end":224.20499,"sentiment":"neutral","sentiment_score":0.1853143274784088},{"text":"Now I also have savings above 4,000.","start":224.97,"end":228.35,"sentiment":"neutral","sentiment_score":0.1100478395819664},{"text":"Oh, beautiful.","start":234.01001,"end":234.75,"sentiment":"neutral","sentiment_score":0.13156602531671524},{"text":"About 35.","start":235.85,"end":236.73001,"sentiment":"neutral","sentiment_score":0.04506104253232479}],"sentiment":"neutral","sentiment_score":0.1064211929646822,"num_words":13,"start":222.98499,"end":236.73001},{"sentences":[{"text":"Perfect.","start":236.73001,"end":237.23001,"sentiment":"neutral","sentiment_score":0.08464082330465317},{"text":"Otherwise, motor vehicle still a company car, or do you have anything personally as well?","start":238.095,"end":242.835,"sentiment":"neutral","sentiment_score":-0.0017265623435378074},{"text":"Okay.","start":247.055,"end":247.555,"sentiment":"neutral","sentiment_score":0.00926006492227316},{"text":"Any other assets, motorbikes or boats or anything else?","start":247.615,"end":251.25,"sentiment":"neutral","sentiment_score":-0.0006474680784675806},{"text":"Nope.","start":253.81,"end":254.31,"sentiment":"neutral","sentiment_score":-0.08265023678541183}],"sentiment":"neutral","sentiment_score":-0.0007583332006578092,"num_words":27,"start":236.73001,"end":254.31},{"sentences":[{"text":"Perfect.","start":254.45,"end":254.95,"sentiment":"negative","sentiment_score":-0.4408354163169861},{"text":"No.","start":256.61,"end":257.11,"sentiment":"neutral","sentiment_score":-0.1241612434387207},{"text":"And any other liabilities, like personal loans, credit cards, ZipPay?","start":257.33,"end":261.91,"sentiment":"neutral","sentiment_score":-0.09517736658453942},{"text":"Nope.","start":263.89,"end":264.39,"sentiment":"neutral","sentiment_score":-0.142510324716568},{"text":"And health and lifestyle wise, so have you done her as a nonsmoker?","start":264.97498,"end":268.35498,"sentiment":"neutral","sentiment_score":-0.09022949349421722}],"sentiment":"neutral","sentiment_score":-0.10893323329778817,"num_words":26,"start":254.45,"end":268.35498},{"sentences":[{"text":"Is that still the case?","start":268.495,"end":269.715,"sentiment":"neutral","sentiment_score":-0.1422580137848854},{"text":"Perfect.","start":271.615,"end":272.115,"sentiment":"neutral","sentiment_score":0.17690914869308472},{"text":"And have you had any significant health issues or injuries or any changes to your health in the last twelve months?","start":273.29498,"end":279.54,"sentiment":"neutral","sentiment_score":-0.0290558168753272},{"text":"No.","start":281.54,"end":282.02002,"sentiment":"neutral","sentiment_score":-0.13246196508407593},{"text":"That's good.","start":282.02002,"end":283.08002,"sentiment":"neutral","sentiment_score":-0.016716675832867622}],"sentiment":"neutral","sentiment_score":-0.04368161304543416,"num_words":30,"start":268.495,"end":283.08002},{"sentences":[{"text":"When it comes to estate planning, do you have a will or part of attorney in place?","start":284.5,"end":290.18,"sentiment":"neutral","sentiment_score":-0.009986788691843258},{"text":"Do you know?","start":290.18,"end":290.92,"sentiment":"neutral","sentiment_score":-0.017340736463665962},{"text":"No.","start":293.22,"end":293.625,"sentiment":"neutral","sentiment_score":-0.268341600894928},{"text":"No.","start":300.905,"end":301.145,"sentiment":"neutral","sentiment_score":-0.08859322965145111},{"text":"That's okay.","start":301.145,"end":302.125,"sentiment":"neutral","sentiment_score":-0.00700349360704422}],"sentiment":"neutral","sentiment_score":-0.024697476454700034,"num_words":24,"start":284.5,"end":302.125},{"sentences":[{"text":"Would you like me to get the team to send you, like, a brochure and some pricing of a firm that we work closely with for a while, or do you know somewhere local?","start":303.305,"end":311.93002,"sentiment":"neutral","sentiment_score":0.009516905007116935},{"text":"Okay.","start":317.83002,"end":318.33002,"sentiment":"neutral","sentiment_score":-0.05192055553197861},{"text":"Kinda in the process anyway.","start":319.11002,"end":320.65002,"sentiment":"neutral","sentiment_score":-0.09186239838600159},{"text":"Yep.","start":321.91,"end":322.31,"sentiment":"neutral","sentiment_score":0.08363344520330429},{"text":"Oh, that's great.","start":322.31,"end":323.265,"sentiment":"neutral","sentiment_score":0.31221918265024823}],"sentiment":"neutral","sentiment_score":0.01892348218031905,"num_words":44,"start":303.305,"end":323.265},{"sentences":[{"text":"And when it comes to super as well, I have your wife, Marissa, nominated to receive the benefits if something were to happen?","start":323.74503,"end":332.005,"sentiment":"neutral","sentiment_score":0.1579429876545201},{"text":"Yep.","start":333.505,"end":333.98502,"sentiment":"neutral","sentiment_score":0.10231585800647736},{"text":"Perfect.","start":333.98502,"end":334.48502,"sentiment":"neutral","sentiment_score":0.2831979990005493},{"text":"I can see that that we haven't received the insurance nomination.","start":334.70502,"end":338.48502,"sentiment":"neutral","sentiment_score":0.1345248276537115},{"text":"Do you remember receiving that form in the post at all?","start":339.23,"end":343.57,"sentiment":"neutral","sentiment_score":0.04844802008433775}],"sentiment":"neutral","sentiment_score":0.12831710421658576,"num_words":47,"start":323.74503,"end":343.57},{"sentences":[{"text":"No?","start":346.51,"end":347.01,"sentiment":"neutral","sentiment_score":-0.1114502251148224},{"text":"So what so what I can do is I can get the team to resend you those documents just for the insurance because the Subaru is already in place, which is great.","start":347.79,"end":356.79498,"sentiment":"neutral","sentiment_score":0.08564234676305205},{"text":"Now, Josh, do you have access to a printer or do you press a post?","start":357.655,"end":361.115,"sentiment":"neutral","sentiment_score":0.039903476213415466},{"text":"Okay.","start":369.22,"end":369.62,"sentiment":"neutral","sentiment_score":0.06993402540683746},{"text":"Perfect.","start":369.62,"end":370.12,"sentiment":"neutral","sentiment_score":0.08628465980291367}],"sentiment":"neutral","sentiment_score":0.06767751399427652,"num_words":50,"start":346.51,"end":370.12},{"sentences":[{"text":"Yeah.","start":372.18,"end":372.66,"sentiment":"neutral","sentiment_score":0.08604903519153595},{"text":"Okay.","start":372.66,"end":373.14,"sentiment":"neutral","sentiment_score":0.1451779454946518},{"text":"Perfect.","start":373.14,"end":373.64,"sentiment":"neutral","sentiment_score":0.25669804215431213},{"text":"Alright.","start":375.54,"end":375.94,"sentiment":"neutral","sentiment_score":0.183459997177124},{"text":"I'll get the team to email that to you, and we can get that sorted.","start":375.94,"end":383.325,"sentiment":"neutral","sentiment_score":0.14930349613229435}],"sentiment":"neutral","sentiment_score":0.15320723484221258,"num_words":19,"start":372.18,"end":383.325},{"sentences":[{"text":"Otherwise, when I guess when it comes to kind of goals, the stuff that you are working towards, stream and review is also a good time to kind of check-in and see what's happened, what your goals are, if anything has changed.","start":384.665,"end":395.81,"sentiment":"neutral","sentiment_score":0.19380000251389684},{"text":"So last time we spoke, your focus was to kind of settle into the new property, maybe do some house renovation.","start":396.50998,"end":404.05,"sentiment":"neutral","sentiment_score":0.11353850400164014},{"text":"Is that kind of are you still planning to do some renovations to the house, or have you done some?","start":404.675,"end":409.815,"sentiment":"neutral","sentiment_score":0.06417210306972265},{"text":"Okay.","start":412.275,"end":412.775,"sentiment":"neutral","sentiment_score":0.306932270526886},{"text":"That's good.","start":413.235,"end":414.215,"sentiment":"positive","sentiment_score":0.6331317722797394}],"sentiment":"neutral","sentiment_score":0.1555877507685922,"num_words":86,"start":384.665,"end":414.215},{"sentences":[{"text":"Other than that, though, is there anything else that you are working towards or the family's working towards financially or non financially?","start":416.77,"end":424.71,"sentiment":"neutral","sentiment_score":0.027835621921853584},{"text":"Nope.","start":429.96997,"end":430.44998,"sentiment":"neutral","sentiment_score":-0.2575804889202118},{"text":"Just paying down the mortgage.","start":430.44998,"end":432.15,"sentiment":"neutral","sentiment_score":-0.21867743134498596},{"text":"Yep.","start":432.545,"end":433.045,"sentiment":"neutral","sentiment_score":0.012652233242988586},{"text":"Yep.","start":434.14502,"end":434.64502,"sentiment":"neutral","sentiment_score":0.011765705421566963}],"sentiment":"neutral","sentiment_score":-0.02380553415666024,"num_words":30,"start":416.77,"end":434.64502},{"sentences":[{"text":"No.","start":435.185,"end":435.505,"sentiment":"neutral","sentiment_score":-0.005483247339725494},{"text":"Perfect.","start":435.505,"end":436.005,"sentiment":"neutral","sentiment_score":0.28937438130378723},{"text":"And when it comes to your superannuation, I have here that, ideally, you'd love to retire at 60 and draw a weekly income of about $1,000 per week.","start":437.185,"end":447.665,"sentiment":"neutral","sentiment_score":0.1868598995996373},{"text":"Do you still think that would be achievable?","start":447.665,"end":450.05,"sentiment":"neutral","sentiment_score":0.12643377855420113},{"text":"Like, cover bills and expenses, the thousand dollars per week?","start":450.35,"end":453.25,"sentiment":"neutral","sentiment_score":0.07028636373579503}],"sentiment":"neutral","sentiment_score":0.1506312955946972,"num_words":48,"start":435.185,"end":453.25},{"sentences":[{"text":"Yes.","start":455.22998,"end":455.72998,"sentiment":"neutral","sentiment_score":0.128000408411026},{"text":"Yeah.","start":457.07,"end":457.57,"sentiment":"neutral","sentiment_score":0.1846667230129242},{"text":"And that's that's what most people say, to be fair.","start":457.63,"end":459.94998,"sentiment":"neutral","sentiment_score":0.2000795766711235},{"text":"They're like, well, if I don't have a mortgage, a thousand dollars just for you would kind of cover lifestyle.","start":459.94998,"end":466.285,"sentiment":"neutral","sentiment_score":0.1154230736196041},{"text":"Do some traveling and just enjoy retirement.","start":466.42502,"end":468.765,"sentiment":"positive","sentiment_score":0.4205384722777775}],"sentiment":"neutral","sentiment_score":0.19399214555055666,"num_words":39,"start":455.22998,"end":468.765},{"sentences":[{"text":"Yep.","start":470.42502,"end":470.825,"sentiment":"neutral","sentiment_score":0.1694718301296234},{"text":"Beautiful.","start":470.825,"end":471.325,"sentiment":"positive","sentiment_score":0.6065131425857544},{"text":"Now the next thing I do wanna check with you, it is just your risk profile just to see if your risk tolerance or anything has changed when it comes to how your money is invested.","start":472.345,"end":482.21,"sentiment":"neutral","sentiment_score":0.030019180124832526},{"text":"So I'll just run through a couple of questions with you.","start":482.99,"end":485.55,"sentiment":"neutral","sentiment_score":0.17907431450757114},{"text":"It is just multiple choice just to make it nice and easy, and it's just whatever you feel is the most appropriate for you.","start":485.55,"end":492.60498,"sentiment":"neutral","sentiment_score":0.29748772581418353}],"sentiment":"neutral","sentiment_score":0.15022189501826078,"num_words":73,"start":470.42502,"end":492.60498},{"sentences":[{"text":"Does that make sense?","start":492.60498,"end":493.66498,"sentiment":"neutral","sentiment_score":0.11948435939848423},{"text":"Yep.","start":494.685,"end":495.16498,"sentiment":"neutral","sentiment_score":0.2015952318906784},{"text":"Beautiful.","start":495.16498,"end":495.66498,"sentiment":"positive","sentiment_score":0.5210413932800293},{"text":"Now at the moment, how much risk would you say that you are willing to key take for your superannuation?","start":496.04498,"end":503.45,"sentiment":"neutral","sentiment_score":-0.014776177797466516},{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":504.39,"end":512.81,"sentiment":"neutral","sentiment_score":0.06999300776616386}],"sentiment":"neutral","sentiment_score":0.05132427929463435,"num_words":49,"start":492.60498,"end":512.81},{"sentences":[{"text":"Yep.","start":519.455,"end":519.955,"sentiment":"neutral","sentiment_score":0.0899052768945694},{"text":"Yep.","start":520.255,"end":520.655,"sentiment":"neutral","sentiment_score":0.04785212129354477},{"text":"Perfect.","start":520.655,"end":521.155,"sentiment":"neutral","sentiment_score":-0.08897838741540909},{"text":"Hi.","start":523.375,"end":523.85504,"sentiment":"neutral","sentiment_score":0.17039638757705688},{"text":"Yep.","start":523.85504,"end":524.255,"sentiment":"neutral","sentiment_score":0.1768898963928223}],"sentiment":"neutral","sentiment_score":0.07921305894851685,"num_words":5,"start":519.455,"end":524.255},{"sentences":[{"text":"And that's what you said last time as well.","start":524.255,"end":526.435,"sentiment":"neutral","sentiment_score":0.22625537051094902},{"text":"And have you bought any direct shares or personal investments?","start":527.29504,"end":531.23505,"sentiment":"neutral","sentiment_score":0.09545657262206078},{"text":"Nope.","start":532.83997,"end":533.33997,"sentiment":"neutral","sentiment_score":-0.09628564119338988},{"text":"And when it comes to fluctuations in the market so seeing fluctuations in the market, would you say that that would make you feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious?","start":533.95996,"end":553.455,"sentiment":"neutral","sentiment_score":0.19807912547921025},{"text":"Yes.","start":558.475,"end":558.9,"sentiment":"neutral","sentiment_score":-0.04040360078215599}],"sentiment":"neutral","sentiment_score":0.1776808939757757,"num_words":64,"start":524.255,"end":558.9},{"sentences":[{"text":"Mhmm.","start":567.22003,"end":567.72003,"sentiment":"neutral","sentiment_score":-0.14198778569698334},{"text":"Yep.","start":576.075,"end":576.575,"sentiment":"neutral","sentiment_score":-0.035300999879837036},{"text":"Okay.","start":576.715,"end":577.215,"sentiment":"neutral","sentiment_score":-0.1734439730644226},{"text":"Too much.","start":581.275,"end":582.015,"sentiment":"negative","sentiment_score":-0.4518255740404129},{"text":"Yeah.","start":582.155,"end":582.655,"sentiment":"neutral","sentiment_score":-0.11098811775445938}],"sentiment":"neutral","sentiment_score":-0.22756200407942137,"num_words":6,"start":567.22003,"end":582.655},{"sentences":[{"text":"Okay.","start":582.875,"end":583.375,"sentiment":"neutral","sentiment_score":0.033491168171167374},{"text":"So at the moment, when it comes to your risk profile, we have you invested in a high growth portfolio.","start":583.755,"end":591.59,"sentiment":"neutral","sentiment_score":0.07223970089107752},{"text":"So, essentially, that means or it's for investors who are wanting to maximize growth as much as possible from their superannuation while you still have plenty of time, but also are comfortable with seeing short term fluctuations in order to achieve that.","start":593.57,"end":609.305,"sentiment":"neutral","sentiment_score":0.1835059512938772},{"text":"So you will have a bit of fluctuations in a high growth portfolio short term to try to achieve that growth in the long term.","start":609.305,"end":617.2,"sentiment":"neutral","sentiment_score":0.12740459740161897},{"text":"Now when it comes to how your money is actually invested, in a high growth portfolio, we see about 90% invested in your growth assets.","start":618.94,"end":629.635,"sentiment":"neutral","sentiment_score":0.18492781579494477}],"sentiment":"neutral","sentiment_score":0.15038801301105886,"num_words":113,"start":582.875,"end":629.635},{"sentences":[{"text":"Now this is a combination of Australian shares, international shares, as well as property, and that is what's going through kind of make things grow for you.","start":629.775,"end":639.875,"sentiment":"neutral","sentiment_score":0.29591218244146417},{"text":"And then you have about 10% in defensive.","start":640.12,"end":643.02,"sentiment":"neutral","sentiment_score":0.21114489808678627},{"text":"So that is, like, your cash, your gold, your fixed interest.","start":643.24005,"end":645.98004,"sentiment":"neutral","sentiment_score":0.2028349353508516},{"text":"Seamless fluctuations are at least a bit, but only at about 10%.","start":646.36005,"end":650.46,"sentiment":"neutral","sentiment_score":-0.06692289064327876},{"text":"Do you feel like that still aligns with you, or do you feel like you wanna take one step down to just a growth profile if you feel like high?","start":651.4,"end":661.675,"sentiment":"neutral","sentiment_score":0.034131610703965025}],"sentiment":"neutral","sentiment_score":0.13785052310082724,"num_words":88,"start":629.775,"end":661.675},{"sentences":[{"text":"Yeah.","start":661.975,"end":662.475,"sentiment":"neutral","sentiment_score":0.05454687774181366},{"text":"Yep.","start":663.415,"end":663.915,"sentiment":"neutral","sentiment_score":0.05865679681301117},{"text":"Yeah.","start":668.3,"end":668.7,"sentiment":"neutral","sentiment_score":0.14729829132556915},{"text":"And growth is exactly that.","start":668.7,"end":670.78,"sentiment":"neutral","sentiment_score":0.22081615626811982},{"text":"It is eighty twenty.","start":670.78,"end":671.92,"sentiment":"neutral","sentiment_score":0.15887604653835297}],"sentiment":"neutral","sentiment_score":0.16667391111453375,"num_words":12,"start":661.975,"end":671.92},{"sentences":[{"text":"So it's one step down.","start":672.86,"end":674.62,"sentiment":"neutral","sentiment_score":0.08077081888914109},{"text":"It still means, obviously, 80% is invested in growth to kinda grow that, but a little bit more defensive at the same time.","start":674.62,"end":681.965,"sentiment":"neutral","sentiment_score":0.08178578981238863},{"text":"So what I will do after the call today is that I can go and do some research on your current high growth and a growth portfolio, and I will put together a bit of a proposal to show you the change.","start":682.10504,"end":695.87,"sentiment":"neutral","sentiment_score":0.27072998065324055},{"text":"And then if you are happy with it, we can go ahead and make those changes for you.","start":696.49,"end":700.19,"sentiment":"positive","sentiment_score":0.512076305018531},{"text":"Yep.","start":701.29004,"end":701.77,"sentiment":"neutral","sentiment_score":0.3227989077568054}],"sentiment":"neutral","sentiment_score":0.2606265038837878,"num_words":89,"start":672.86,"end":701.77},{"sentences":[{"text":"Perfect.","start":701.77,"end":702.27,"sentiment":"positive","sentiment_score":0.47881150245666504},{"text":"Otherwise, Josh, do you have access to your emails at the moment?","start":703.45,"end":706.59,"sentiment":"neutral","sentiment_score":0.14506854179004827},{"text":"Yeah?","start":709.455,"end":709.855,"sentiment":"neutral","sentiment_score":0.0898105576634407},{"text":"Okay.","start":709.855,"end":710.255,"sentiment":"neutral","sentiment_score":0.13510487973690033},{"text":"So I have just sent you an email with some documents to kind of run through with you, and it just makes it a little bit easier if you can access those at the same time.","start":710.255,"end":719.715,"sentiment":"neutral","sentiment_score":0.22111035842034552}],"sentiment":"neutral","sentiment_score":0.20401024204843185,"num_words":51,"start":701.77,"end":719.715},{"sentences":[{"text":"Yes.","start":727.32996,"end":727.81,"sentiment":"neutral","sentiment_score":0.08813725411891937},{"text":"That's me.","start":727.81,"end":728.63,"sentiment":"neutral","sentiment_score":0.09649930149316788},{"text":"Now it will ask you to click on a link to sign.","start":731.01,"end":734.195,"sentiment":"neutral","sentiment_score":0.11020859082539876},{"text":"It won't get you to sign right away, though.","start":734.73505,"end":736.73505,"sentiment":"neutral","sentiment_score":0.05004860336581866},{"text":"It will allow you to open up and look at everything first just to make sure you are happy before it prompts you to sign anything.","start":736.73505,"end":742.91504,"sentiment":"neutral","sentiment_score":0.13253471405746844}],"sentiment":"neutral","sentiment_score":0.10999957885593176,"num_words":50,"start":727.32996,"end":742.91504},{"sentences":[{"text":"Sorry.","start":747.45996,"end":747.77997,"sentiment":"neutral","sentiment_score":-0.04941300302743912},{"text":"Let me know if you can see the first document where it says summary of superannuation and insurance.","start":747.77997,"end":753.0,"sentiment":"neutral","sentiment_score":-0.027888135467138555},{"text":"Yep.","start":754.42,"end":754.92,"sentiment":"neutral","sentiment_score":0.17982232570648193},{"text":"Perfect.","start":755.3,"end":755.8,"sentiment":"positive","sentiment_score":0.36561283469200134},{"text":"So this just kind of breaks down your current situation at the moment.","start":756.1,"end":759.72,"sentiment":"neutral","sentiment_score":0.1634881072319471}],"sentiment":"neutral","sentiment_score":0.062334738616995955,"num_words":34,"start":747.45996,"end":759.72},{"sentences":[{"text":"Now I did have a look at your super balance as of last year as well just for that kind of comparison.","start":760.025,"end":765.885,"sentiment":"neutral","sentiment_score":0.11975992877374995},{"text":"And at that time, your super balance was at 249,757.","start":766.505,"end":772.925,"sentiment":"neutral","sentiment_score":0.06505129635334014},{"text":"And as you can see now, it's at 279,197.","start":773.42004,"end":778.56,"sentiment":"neutral","sentiment_score":0.07335380754537052},{"text":"Now underneath that, you can then see your insurance with TAL.","start":780.54004,"end":784.80005,"sentiment":"neutral","sentiment_score":0.04093921032141556},{"text":"So you have life and total permanent disability, which is one million 290,504 for both of those.","start":785.10004,"end":794.645,"sentiment":"neutral","sentiment_score":0.02503161471994484}],"sentiment":"neutral","sentiment_score":0.0698736873657807,"num_words":69,"start":760.025,"end":794.645},{"sentences":[{"text":"Are you still happy with the level of cover you have for life and TPD?","start":795.025,"end":798.565,"sentiment":"neutral","sentiment_score":0.20856383790572483},{"text":"You still think that would, you know, cover your needs?","start":798.785,"end":801.105,"sentiment":"neutral","sentiment_score":0.05811138562858105},{"text":"Yep.","start":801.105,"end":801.425,"sentiment":"neutral","sentiment_score":0.1219065710902214},{"text":"Beautiful.","start":801.425,"end":801.925,"sentiment":"positive","sentiment_score":0.7168633937835693},{"text":"And your income protection will cover you for a monthly benefit of 6,043.","start":803.18,"end":809.76,"sentiment":"neutral","sentiment_score":0.25584566822418797}],"sentiment":"neutral","sentiment_score":0.19685837691649793,"num_words":40,"start":795.025,"end":809.76},{"sentences":[{"text":"You do have that shorting waiting period of twenty eight days, a five year benefit period.","start":809.82,"end":815.42,"sentiment":"neutral","sentiment_score":0.219794905744493},{"text":"Now all three are paid from within the super annuation.","start":815.42,"end":818.77496,"sentiment":"neutral","sentiment_score":0.19467142969369888},{"text":"You do get a 15% tax rebate.","start":819.315,"end":821.975,"sentiment":"neutral","sentiment_score":0.29240321687289644},{"text":"So total premium for all three is 2,627.","start":822.115,"end":826.375,"sentiment":"neutral","sentiment_score":0.22643054462969303},{"text":"Do you have any questions in regards to your insurances, or that's pretty straightforward?","start":826.83496,"end":831.015,"sentiment":"neutral","sentiment_score":0.10111844965389796}],"sentiment":"neutral","sentiment_score":0.1952246901663867,"num_words":55,"start":809.82,"end":831.015},{"sentences":[{"text":"No.","start":831.92,"end":832.42,"sentiment":"neutral","sentiment_score":-0.14675982296466827},{"text":"No.","start":836.8,"end":837.12,"sentiment":"neutral","sentiment_score":-0.09428589046001434},{"text":"It hasn't expired.","start":837.12,"end":838.1,"sentiment":"neutral","sentiment_score":-0.07841335733731587},{"text":"Did you get did you get an email or anything saying anything?","start":838.88,"end":843.22,"sentiment":"neutral","sentiment_score":-0.05914118653163314},{"text":"That is yes.","start":854.455,"end":856.215,"sentiment":"neutral","sentiment_score":-0.12183331946531932}],"sentiment":"neutral","sentiment_score":-0.07757399911060929,"num_words":20,"start":831.92,"end":856.215},{"sentences":[{"text":"But that is to make a nomination.","start":856.215,"end":857.835,"sentiment":"neutral","sentiment_score":-0.06340004610163825},{"text":"So that is so so you can nominate so let let's say you wanna nominate Marissa again.","start":858.65,"end":864.59,"sentiment":"neutral","sentiment_score":0.04531868196585599},{"text":"So if something were to happen to you at the moment, your super would go to her.","start":864.97003,"end":870.35004,"sentiment":"neutral","sentiment_score":-0.03320221756311024},{"text":"Your insurance, there is no nomination.","start":872.265,"end":874.445,"sentiment":"neutral","sentiment_score":-0.09193337832887967},{"text":"So that would mean that it would go through the trustee.","start":874.745,"end":877.245,"sentiment":"neutral","sentiment_score":-0.05628351799466393}],"sentiment":"neutral","sentiment_score":-0.024285161996196056,"num_words":58,"start":856.215,"end":877.245},{"sentences":[{"text":"They would then make a decision of who it would go through.","start":877.705,"end":880.445,"sentiment":"neutral","sentiment_score":-0.02210549047837655},{"text":"So that is just to nominate a person or people for your insurance.","start":880.985,"end":886.49,"sentiment":"neutral","sentiment_score":0.08687617744390781},{"text":"So we can make sure that if something were to happen, your child cover would also go through Marissa if that's what you want.","start":886.71,"end":893.37,"sentiment":"neutral","sentiment_score":0.06544483841086428},{"text":"Yep.","start":893.91003,"end":894.23004,"sentiment":"neutral","sentiment_score":0.03773140534758568},{"text":"Does that make sense?","start":894.23004,"end":895.29004,"sentiment":"neutral","sentiment_score":0.019032185431569815}],"sentiment":"neutral","sentiment_score":0.04719742018453501,"num_words":54,"start":877.705,"end":895.29004},{"sentences":[{"text":"Yep.","start":896.23004,"end":896.55005,"sentiment":"neutral","sentiment_score":0.04589454457163811},{"text":"Yep.","start":896.55005,"end":897.05005,"sentiment":"neutral","sentiment_score":0.08355587720870972},{"text":"Beautiful.","start":897.27,"end":897.77,"sentiment":"neutral","sentiment_score":0.06740444898605347},{"text":"Now the next document is your performance report with IRR.","start":898.79004,"end":903.795,"sentiment":"neutral","sentiment_score":0.042663201317191125},{"text":"Can you see that one?","start":903.855,"end":905.075,"sentiment":"neutral","sentiment_score":0.028432195633649827}],"sentiment":"neutral","sentiment_score":0.042535992339253426,"num_words":18,"start":896.23004,"end":905.075},{"sentences":[{"text":"It's like hub twenty four.","start":905.295,"end":906.335,"sentiment":"neutral","sentiment_score":0.06529159992933273},{"text":"Yep.","start":906.335,"end":906.815,"sentiment":"neutral","sentiment_score":0.10330860316753387},{"text":"So this one here breaks down all your investments in a little bit more detail.","start":906.815,"end":911.635,"sentiment":"neutral","sentiment_score":0.11928923825422923},{"text":"Now it shows you the last twelve months and how all your individual investments have performed.","start":912.975,"end":919.37,"sentiment":"neutral","sentiment_score":0.11649118922650814},{"text":"Obviously, the last twelve months, we have had quite a bit of fluctuations in the market, especially being in a high growth.","start":919.91003,"end":925.43,"sentiment":"neutral","sentiment_score":-0.08253834396600723}],"sentiment":"neutral","sentiment_score":0.03842577350846792,"num_words":59,"start":905.295,"end":925.43},{"sentences":[{"text":"You can have a little bit more of those fluctuations.","start":925.43,"end":927.53,"sentiment":"neutral","sentiment_score":-0.08581792488694191},{"text":"So looking at reducing that to growth should minimize the fluctuations a little bit.","start":928.21497,"end":933.27496,"sentiment":"neutral","sentiment_score":-0.0649310943803617},{"text":"Now part of the research is that I also want to consider potentially changing at least one of them for you, which is the top one here, which is your Benelung Australian equity.","start":933.65497,"end":945.97,"sentiment":"neutral","sentiment_score":0.07653373163757902},{"text":"So if you wanna look at the second column to the right, it should say internal rate of return, and there's, like, a percentage.","start":946.43,"end":954.29,"sentiment":"neutral","sentiment_score":0.04146016171822945},{"text":"Yeah.","start":960.435,"end":960.755,"sentiment":"neutral","sentiment_score":0.042397595942020416}],"sentiment":"neutral","sentiment_score":0.021900488427136003,"num_words":82,"start":925.43,"end":960.755},{"sentences":[{"text":"You can see where it says note two, and it has, like, a a a bunch of different percentages.","start":960.755,"end":965.33496,"sentiment":"neutral","sentiment_score":0.021038085369295197},{"text":"Yep.","start":966.595,"end":966.995,"sentiment":"neutral","sentiment_score":0.029014063999056816},{"text":"So that represents the percentage of the individual investments.","start":966.995,"end":970.615,"sentiment":"neutral","sentiment_score":0.017104119062423706},{"text":"So the top one here within the bracket is underperforming a bit at the moment, and that is the one I want to particularly look at changing for you if appropriate through making sure that we have you in the best options moving forward because things are always changing.","start":970.97003,"end":986.105,"sentiment":"neutral","sentiment_score":-0.018870207424066504},{"text":"So the good thing with hub twenty four is that there's hundreds of options for us to choose from, and we do wanna make sure we obviously are proactive with your investments and have you in the best options for you.","start":986.245,"end":997.285,"sentiment":"positive","sentiment_score":0.46279407310776594}],"sentiment":"neutral","sentiment_score":0.15657639992619013,"num_words":119,"start":960.755,"end":997.285},{"sentences":[{"text":"Does that all make sense?","start":997.285,"end":998.31,"sentiment":"neutral","sentiment_score":0.19449105560779573},{"text":"Yep.","start":999.51,"end":1000.01,"sentiment":"positive","sentiment_score":0.33694931864738464},{"text":"Beautiful.","start":1000.07,"end":1000.57,"sentiment":"positive","sentiment_score":0.6551821827888489},{"text":"Now if you can go to the next document for me, it should be your Vanguard index chart, like a big graph.","start":1000.95,"end":1009.45,"sentiment":"neutral","sentiment_score":0.20633892918174918},{"text":"And the one after that one?","start":1015.295,"end":1017.075,"sentiment":"neutral","sentiment_score":0.057034664476911225}],"sentiment":"neutral","sentiment_score":0.1956071773810046,"num_words":35,"start":997.285,"end":1017.075},{"sentences":[{"text":"Yeah.","start":1019.695,"end":1020.015,"sentiment":"neutral","sentiment_score":0.058155812323093414},{"text":"Do you can see the graph?","start":1020.015,"end":1021.235,"sentiment":"neutral","sentiment_score":0.043142336731155716},{"text":"Yes.","start":1021.855,"end":1022.355,"sentiment":"neutral","sentiment_score":0.04837130010128021},{"text":"Do you remember seeing something like this before?","start":1022.415,"end":1024.675,"sentiment":"neutral","sentiment_score":0.012928791402373463},{"text":"Yeah.","start":1029.8201,"end":1030.2201,"sentiment":"neutral","sentiment_score":0.2389460951089859}],"sentiment":"neutral","sentiment_score":0.04163279759642832,"num_words":17,"start":1019.695,"end":1030.2201},{"sentences":[{"text":"So every year Vanguard does release a new copy.","start":1030.2201,"end":1033.2001,"sentiment":"neutral","sentiment_score":0.2924991018242306},{"text":"The next one is due to come out any day now because they do release it at the end of the financial year, which is great.","start":1033.5801,"end":1039.035,"sentiment":"positive","sentiment_score":0.40425248329456037},{"text":"Essentially, what it is, it just shows us kind of a good visual representation of what we are talking about when we are talking about the market.","start":1039.675,"end":1047.6951,"sentiment":"neutral","sentiment_score":0.3237489472936701},{"text":"So it kind of shows you all those ups and downs and fluctuations.","start":1047.915,"end":1050.895,"sentiment":"neutral","sentiment_score":0.10878854416883908},{"text":"Now referring it back to that risk profile, if you look at the right side, you can kind of see all the different asset classes.","start":1051.88,"end":1059.66,"sentiment":"neutral","sentiment_score":0.06599612690508366}],"sentiment":"neutral","sentiment_score":0.24948432305827736,"num_words":100,"start":1030.2201,"end":1059.66},{"sentences":[{"text":"So the growth ones is your top four.","start":1060.4401,"end":1063.64,"sentiment":"neutral","sentiment_score":0.09411611687391996},{"text":"So that is that you can see your light green, which is The US shares.","start":1063.64,"end":1067.18,"sentiment":"neutral","sentiment_score":0.07839192996422449},{"text":"You have your dark green Australian shares.","start":1067.655,"end":1070.155,"sentiment":"neutral","sentiment_score":0.05697281818304743},{"text":"You have yellow property, and then sorry.","start":1070.2151,"end":1072.935,"sentiment":"neutral","sentiment_score":0.042465709149837494},{"text":"The yellow is international shares, and then maroon color is property.","start":1072.935,"end":1076.4751,"sentiment":"neutral","sentiment_score":0.04340068945153193}],"sentiment":"neutral","sentiment_score":0.06463094082816194,"num_words":48,"start":1060.4401,"end":1076.4751},{"sentences":[{"text":"So this is at the moment where you have 90%, and we'll look at just having about 80% here.","start":1076.855,"end":1082.72,"sentiment":"neutral","sentiment_score":0.06450744737920008},{"text":"So a little bit less, but still, obviously, focusing on that growth.","start":1082.72,"end":1085.7,"sentiment":"neutral","sentiment_score":0.0342099602955083},{"text":"And then the bottom is, obviously, those defensive for you.","start":1086.0,"end":1088.72,"sentiment":"neutral","sentiment_score":0.05009971912950277},{"text":"Does that all make sense?","start":1088.72,"end":1089.86,"sentiment":"neutral","sentiment_score":0.06263969987630844},{"text":"Yep.","start":1090.96,"end":1091.46,"sentiment":"neutral","sentiment_score":0.13529503345489502}],"sentiment":"neutral","sentiment_score":0.05501386697622056,"num_words":47,"start":1076.855,"end":1091.46},{"sentences":[{"text":"Beautiful.","start":1091.5199,"end":1092.0199,"sentiment":"positive","sentiment_score":0.3741510808467865},{"text":"Now the next document should be your Tau Certificate of Currency, I believe.","start":1092.5599,"end":1097.8351,"sentiment":"neutral","sentiment_score":0.13382197286073977},{"text":"Yep.","start":1101.015,"end":1101.3351,"sentiment":"neutral","sentiment_score":0.054542772471904755},{"text":"So that just breaks down your insurances in a bit more detail, but basically lets you know that's all paid and up to date for you.","start":1101.3351,"end":1108.05,"sentiment":"neutral","sentiment_score":0.10226237788223304},{"text":"Yep.","start":1109.81,"end":1110.31,"sentiment":"neutral","sentiment_score":0.058847494423389435}],"sentiment":"neutral","sentiment_score":0.11633449571118468,"num_words":42,"start":1091.5199,"end":1110.31},{"sentences":[{"text":"Now the next document should be your Oakview services guide.","start":1110.6101,"end":1114.55,"sentiment":"neutral","sentiment_score":0.07250827103853226},{"text":"Yep.","start":1116.2101,"end":1116.6901,"sentiment":"neutral","sentiment_score":0.06480075418949127},{"text":"Now you probably have seen this a few times before.","start":1116.6901,"end":1119.0901,"sentiment":"neutral","sentiment_score":0.05559179186820984},{"text":"It is one of those compliance documents.","start":1119.0901,"end":1121.27,"sentiment":"neutral","sentiment_score":0.1043596448642867},{"text":"It does give you all the important information in regards to us here at Oakview Financial.","start":1121.705,"end":1126.925,"sentiment":"neutral","sentiment_score":0.19862800184637308}],"sentiment":"neutral","sentiment_score":0.11941743015565655,"num_words":44,"start":1110.6101,"end":1126.925},{"sentences":[{"text":"You'll have all the information about the team, our directors, and our advisers in them.","start":1127.785,"end":1132.365,"sentiment":"neutral","sentiment_score":0.13158631722132366},{"text":"Now if you do want to scroll down to page 10, I believe, you will be able to see a photo of myself there if you do wanna put a face to the voice.","start":1132.745,"end":1143.88,"sentiment":"neutral","sentiment_score":0.08932104750591166},{"text":"Yep.","start":1145.38,"end":1145.78,"sentiment":"neutral","sentiment_score":0.06335125118494034},{"text":"Perfect.","start":1145.78,"end":1146.28,"sentiment":"positive","sentiment_score":0.7359491586685181},{"text":"The only other change I do want to mention is just in regards to the fee structure.","start":1146.74,"end":1152.515,"sentiment":"neutral","sentiment_score":0.01756898554808953}],"sentiment":"neutral","sentiment_score":0.08983358143664458,"num_words":68,"start":1127.785,"end":1152.515},{"sentences":[{"text":"So let me just find where it's outlined here for you.","start":1152.9751,"end":1156.8351,"sentiment":"neutral","sentiment_score":0.04207560657100244},{"text":"Let me see if I can find the page.","start":1162.255,"end":1167.05,"sentiment":"neutral","sentiment_score":0.022132021995882194},{"text":"I can't seem to see it here, but I'll get oh, actually, yes.","start":1173.59,"end":1177.59,"sentiment":"neutral","sentiment_score":-0.008609978159746299},{"text":"Here it is.","start":1177.59,"end":1178.23,"sentiment":"neutral","sentiment_score":0.011542515053103367},{"text":"Sorry.","start":1178.23,"end":1178.71,"sentiment":"neutral","sentiment_score":-0.02660530060529709}],"sentiment":"neutral","sentiment_score":0.015084118884358858,"num_words":37,"start":1152.9751,"end":1178.71},{"sentences":[{"text":"Page 17.","start":1178.71,"end":1180.1749,"sentiment":"neutral","sentiment_score":-0.009496507700532675},{"text":"So it should say ongoing service fee.","start":1184.5549,"end":1187.215,"sentiment":"neutral","sentiment_score":-0.01226039310651166},{"text":"That's okay.","start":1191.9149,"end":1192.68,"sentiment":"neutral","sentiment_score":-0.011803408153355122},{"text":"The ongoing service fee page, and there should be, like, a little table showing the fee structure.","start":1213.6549,"end":1220.8301,"sentiment":"neutral","sentiment_score":0.00014159954426919713},{"text":"But if you can't see it, I can, just tell you tell you the difference if it's a bit tricky.","start":1222.49,"end":1228.5901,"sentiment":"neutral","sentiment_score":-0.013467733096331359}],"sentiment":"neutral","sentiment_score":-0.008236876106821,"num_words":48,"start":1178.71,"end":1228.5901},{"sentences":[{"text":"Essentially, the current fee structure is that it was 1.65% throughout the balance.","start":1230.0901,"end":1237.385,"sentiment":"neutral","sentiment_score":-0.018990436282295447},{"text":"So we kind of stay that flat at 1.65.","start":1237.385,"end":1240.4451,"sentiment":"neutral","sentiment_score":0.006055285662619604},{"text":"Now with the new fee structure that we've just changed, it does make it a little bit more affordable as your super balance grow.","start":1240.7451,"end":1249.005,"sentiment":"neutral","sentiment_score":0.22740552481263876},{"text":"So for you, you kinda fall into two categories, which is great.","start":1249.81,"end":1253.89,"sentiment":"positive","sentiment_score":0.36788353448112804},{"text":"So the 0 to 200 stays exactly the same at 1.65, but then the difference between the 200 and the 500 is then reduced to 1.375.","start":1253.89,"end":1267.955,"sentiment":"neutral","sentiment_score":0.09104062394740489}],"sentiment":"neutral","sentiment_score":0.14341682299051345,"num_words":84,"start":1230.0901,"end":1267.955},{"sentences":[{"text":"And then it kind of tears down, and then the next tier is 500 to a million, which is then further reduced at 1.1, etcetera.","start":1268.4149,"end":1275.235,"sentiment":"neutral","sentiment_score":-0.006497761569917202},{"text":"So it does mean because you are over that 200,000, it will mean that the next twelve months will be a little bit cheaper for you than with the old structure, if that makes sense.","start":1275.9349,"end":1285.72,"sentiment":"neutral","sentiment_score":0.11633227254663195},{"text":"Yep.","start":1286.66,"end":1287.16,"sentiment":"neutral","sentiment_score":0.15090587735176086},{"text":"Yep.","start":1288.58,"end":1289.0599,"sentiment":"neutral","sentiment_score":0.19965898990631104},{"text":"Beautiful.","start":1289.0599,"end":1289.5599,"sentiment":"positive","sentiment_score":0.4843418598175049}],"sentiment":"neutral","sentiment_score":0.07530305122158357,"num_words":63,"start":1268.4149,"end":1289.5599},{"sentences":[{"text":"So on the next page, it should be consent to new ongoing fee arrangement.","start":1290.945,"end":1297.125,"sentiment":"neutral","sentiment_score":0.1298517771065235},{"text":"Yes.","start":1301.905,"end":1302.405,"sentiment":"neutral","sentiment_score":0.12820406258106232},{"text":"Yep.","start":1303.665,"end":1304.145,"sentiment":"neutral","sentiment_score":0.19221830368041992},{"text":"Perfect.","start":1304.145,"end":1304.645,"sentiment":"positive","sentiment_score":0.45116591453552246},{"text":"So that one here is just to say that you're happy to stay on as a client.","start":1305.51,"end":1309.85,"sentiment":"positive","sentiment_score":0.5349297523498535}],"sentiment":"positive","sentiment_score":0.34362702794811306,"num_words":34,"start":1290.945,"end":1309.85},{"sentences":[{"text":"Now we've kind of already talked about the changes in the fee structure, which is good, and then there's also not a lock in contract.","start":1311.03,"end":1319.77,"sentiment":"positive","sentiment_score":0.3429452735185623},{"text":"So, you know, if at any point in time you are not happy with the service and there's no lock in contract, but by signing this document, otherwise, it just allows us to manage everything for you in the meantime.","start":1319.995,"end":1330.575,"sentiment":"neutral","sentiment_score":-0.06257210113108158},{"text":"But this one here, it will ask you for a little signature if you're happy with that.","start":1331.115,"end":1335.695,"sentiment":"neutral","sentiment_score":0.22196431545650258},{"text":"Yep.","start":1337.3,"end":1337.8,"sentiment":"neutral","sentiment_score":0.12753768265247345},{"text":"And then aft yes.","start":1339.4601,"end":1343.06,"sentiment":"neutral","sentiment_score":0.13158943131566048}],"sentiment":"neutral","sentiment_score":0.12066708693559143,"num_words":87,"start":1311.03,"end":1343.06},{"sentences":[{"text":"It should allow you to, like, draw a little signature.","start":1343.06,"end":1345.4,"sentiment":"neutral","sentiment_score":0.2611890137195587},{"text":"Oh, beautiful.","start":1347.78,"end":1348.36,"sentiment":"positive","sentiment_score":0.5945165455341339},{"text":"Probably because from last time.","start":1348.42,"end":1349.9601,"sentiment":"neutral","sentiment_score":0.24273551404476165},{"text":"And there should be one more document after this one at which you can do sign all because it's just two documents, so it should take you to this one first and then the next one.","start":1350.9651,"end":1362.105,"sentiment":"neutral","sentiment_score":0.1113898078393605},{"text":"Yep.","start":1370.01,"end":1370.51,"sentiment":"neutral","sentiment_score":0.07757994532585144}],"sentiment":"neutral","sentiment_score":0.16855951529686097,"num_words":54,"start":1343.06,"end":1370.51},{"sentences":[{"text":"And then the next document should be option to provide tax file number, it should say.","start":1370.5701,"end":1375.31,"sentiment":"neutral","sentiment_score":0.08063900144770741},{"text":"Yes.","start":1395.81,"end":1396.2101,"sentiment":"neutral","sentiment_score":0.030113594606518745},{"text":"That's the that's the, yeah, that's the the one we spoke about, the ongoing service agreement.","start":1396.2101,"end":1401.03,"sentiment":"neutral","sentiment_score":0.0567333132494241},{"text":"Yep.","start":1411.8251,"end":1412.3251,"sentiment":"neutral","sentiment_score":0.009528227150440216},{"text":"Sometimes with technology.","start":1413.505,"end":1414.645,"sentiment":"neutral","sentiment_score":-0.014211516827344894}],"sentiment":"neutral","sentiment_score":0.059323359633216985,"num_words":37,"start":1370.5701,"end":1414.645},{"sentences":[{"text":"It's great when it works, but pain painful sometimes.","start":1414.7899,"end":1417.77,"sentiment":"neutral","sentiment_score":0.029522247095074918},{"text":"And I think yep.","start":1421.9099,"end":1426.07,"sentiment":"neutral","sentiment_score":0.005090705119073391},{"text":"So if you press validate, that means you have added the signatures where it is required to do so, which is just that ongoing service agreement and then the tax fund number form.","start":1426.07,"end":1435.505,"sentiment":"neutral","sentiment_score":0.1296284697724111},{"text":"It is just a form to say that we are keeping your tax fund number secure and safe on file.","start":1435.505,"end":1439.685,"sentiment":"neutral","sentiment_score":0.27149644643068316},{"text":"We already have it, so you don't need to provide it or anything like that.","start":1439.7451,"end":1442.82,"sentiment":"neutral","sentiment_score":0.2035564512014389}],"sentiment":"neutral","sentiment_score":0.1610750400426763,"num_words":81,"start":1414.7899,"end":1442.82},{"sentences":[{"text":"So pressing validate, it will just load and send everything back to me, and they will also save a copy for you.","start":1443.0599,"end":1449.46,"sentiment":"neutral","sentiment_score":0.27760998836972495},{"text":"So if you do wanna go back at any point and have a read through it, it's all there for you.","start":1449.46,"end":1454.2599,"sentiment":"positive","sentiment_score":0.4712191436971937},{"text":"And I can see here that that's come through on my end, which is great.","start":1454.2599,"end":1457.88,"sentiment":"positive","sentiment_score":0.803745690981547},{"text":"Now, Josh, while I have you on the phone, I'd like to see if I could book you in for the follow-up appointment to kind of go through the change in the growth profile and potentially any changes for the investments.","start":1458.785,"end":1471.365,"sentiment":"neutral","sentiment_score":0.19584122354664454},{"text":"So when is a good time for you to do that?","start":1471.505,"end":1475.22,"sentiment":"neutral","sentiment_score":0.13295929608019916}],"sentiment":"positive","sentiment_score":0.3413749958981167,"num_words":110,"start":1443.0599,"end":1475.22},{"sentences":[{"text":"It will take me about a week to put it all together for you.","start":1475.22,"end":1478.84,"sentiment":"neutral","sentiment_score":0.11471361347607203},{"text":"What's your availability usually like?","start":1482.0199,"end":1484.1,"sentiment":"neutral","sentiment_score":0.014704784005880355},{"text":"When's best?","start":1484.1,"end":1485.0,"sentiment":"neutral","sentiment_score":0.010639191372320056},{"text":"This time.","start":1486.965,"end":1487.865,"sentiment":"neutral","sentiment_score":0.03162238933146},{"text":"Okay.","start":1488.885,"end":1489.385,"sentiment":"neutral","sentiment_score":0.029341483488678932}],"sentiment":"neutral","sentiment_score":0.07472413139961039,"num_words":24,"start":1475.22,"end":1489.385},{"sentences":[{"text":"Alright.","start":1490.565,"end":1491.065,"sentiment":"neutral","sentiment_score":-0.030393218621611595},{"text":"Okay.","start":1494.085,"end":1494.585,"sentiment":"neutral","sentiment_score":-0.08976700156927109},{"text":"Let me help.","start":1494.965,"end":1496.025,"sentiment":"neutral","sentiment_score":-0.13887506226698557},{"text":"Okay.","start":1499.0449,"end":1499.5449,"sentiment":"neutral","sentiment_score":-0.022663217037916183},{"text":"Okay.","start":1501.445,"end":1501.945,"sentiment":"neutral","sentiment_score":0.007671779487282038}],"sentiment":"neutral","sentiment_score":-0.07882526350606765,"num_words":7,"start":1490.565,"end":1501.945},{"sentences":[{"text":"Okay.","start":1503.1799,"end":1503.4199,"sentiment":"neutral","sentiment_score":0.1604582667350769},{"text":"Beautiful.","start":1503.4199,"end":1503.9199,"sentiment":"positive","sentiment_score":0.3688855767250061},{"text":"So I could do yeah.","start":1504.2999,"end":1507.2599,"sentiment":"neutral","sentiment_score":0.17441586554050445},{"text":"Perfect.","start":1507.2599,"end":1507.74,"sentiment":"neutral","sentiment_score":0.2658787965774536},{"text":"Now what I could do, I could do Tuesday September 1 at 11AM again.","start":1507.74,"end":1516.24,"sentiment":"neutral","sentiment_score":0.07364655286073685}],"sentiment":"neutral","sentiment_score":0.12265244126319885,"num_words":22,"start":1503.1799,"end":1516.24},{"sentences":[{"text":"Would that work?","start":1516.2999,"end":1517.2799,"sentiment":"neutral","sentiment_score":0.05217520520091057},{"text":"Yeah.","start":1518.7649,"end":1519.1649,"sentiment":"neutral","sentiment_score":0.11079546809196472},{"text":"Okay.","start":1519.1649,"end":1519.485,"sentiment":"neutral","sentiment_score":0.1905883103609085},{"text":"Beautiful.","start":1519.485,"end":1519.985,"sentiment":"positive","sentiment_score":0.3734230697154999},{"text":"Now I will book that in on a Tuesday, September 1, which is crazy by September already, at 11:00.","start":1520.2849,"end":1529.825,"sentiment":"neutral","sentiment_score":0.14144793368483843}],"sentiment":"neutral","sentiment_score":0.14075372815132142,"num_words":25,"start":1516.2999,"end":1529.825},{"sentences":[{"text":"If anything does change, would work, or something and you can't make the appointment, just let me know, and I'll see if I can get things shuffled around for you.","start":1530.69,"end":1539.59,"sentiment":"neutral","sentiment_score":0.068929396259288},{"text":"Yep.","start":1540.9299,"end":1541.4299,"sentiment":"neutral","sentiment_score":0.2324540615081787},{"text":"Beautiful.","start":1541.57,"end":1542.07,"sentiment":"positive","sentiment_score":0.4913812279701233},{"text":"And I will also get the team to email you that insurance form so that we can get that sorted for the nomination as well.","start":1542.13,"end":1549.615,"sentiment":"neutral","sentiment_score":0.31817128777503967},{"text":"Yep.","start":1550.235,"end":1550.715,"sentiment":"neutral","sentiment_score":0.3092845678329468}],"sentiment":"neutral","sentiment_score":0.1906083437838945,"num_words":58,"start":1530.69,"end":1550.715},{"sentences":[{"text":"Perfect.","start":1550.715,"end":1551.215,"sentiment":"positive","sentiment_score":0.5143365859985352},{"text":"Do you have any questions for me, otherwise, before I let you go and enjoy the rest of your day?","start":1551.4349,"end":1556.335,"sentiment":"neutral","sentiment_score":0.29235785230994227},{"text":"No?","start":1557.9149,"end":1558.4149,"sentiment":"neutral","sentiment_score":0.024103201925754547},{"text":"Yep.","start":1558.715,"end":1559.215,"sentiment":"neutral","sentiment_score":0.2282438725233078},{"text":"Yeah.","start":1559.75,"end":1560.15,"sentiment":"neutral","sentiment_score":0.2284320592880249}],"sentiment":"neutral","sentiment_score":0.2850946985806028,"num_words":24,"start":1550.715,"end":1560.15},{"sentences":[{"text":"It's all going good.","start":1560.15,"end":1561.1901,"sentiment":"positive","sentiment_score":0.34436952881515026},{"text":"And, yeah, we'll go through a little bit more, like, projections and everything with the changes on Tuesday the first for you as well.","start":1561.1901,"end":1567.37,"sentiment":"neutral","sentiment_score":0.17099153514330587},{"text":"Yep.","start":1568.6189,"end":1569.1189,"sentiment":"positive","sentiment_score":0.5020925998687744},{"text":"No worries.","start":1569.419,"end":1569.9789,"sentiment":"positive","sentiment_score":0.4833778440952301},{"text":"Thanks for your time today, and I look forward to speaking with you on the first.","start":1569.9789,"end":1573.039,"sentiment":"positive","sentiment_score":0.6512480191886425}],"sentiment":"positive","sentiment_score":0.3695764160378182,"num_words":47,"start":1560.15,"end":1573.039},{"sentences":[{"text":"Mhmm.","start":1574.299,"end":1574.7789,"sentiment":"neutral","sentiment_score":0.23626770079135895},{"text":"Thanks.","start":1574.7789,"end":1575.2589,"sentiment":"positive","sentiment_score":0.5706628561019897},{"text":"Bye.","start":1575.2589,"end":1575.7589,"sentiment":"neutral","sentiment_score":-0.12425965070724489}],"sentiment":"neutral","sentiment_score":0.22755696872870126,"num_words":3,"start":1574.299,"end":1575.7589}]}}]},{"alternatives":[{"transcript":"Hello. Josh speaking. Yeah. Good. Thanks. Yep. That's fine. Yep. That's fine. Yep. It's Josh Leslie Getzke. '20 fifth of ninth seventy eight. And I don't have any rest with you. We've moved in the last year. It's either 1 Silky Oak Street, Ripley or 11 Uraga Place, Beebing Heights. Yep. Okay. Yep. That's our house before last year. Yeah. Probably just a bit of an update. Yep. Long as it's I see if it's making me money. Yep. That's correct. Yep. That is correct. Yep. That's correct. You're absolutely cleansing glass. Yep. Yeah. But it's a 100 and, I think, 108.5, I don't think. I do. Yep. Yep. Not at the moment. Not at the moment. Yeah. Yep. Yeah. It's well, I don't know. The property market was was about 1.7 before the budget come out, but, yeah, Yeah. Who knows, man? Yeah. That I mean, we definitely get that. Yep. Well, the house next to the sold last three months ago for 1.65, so ours is probably nicer than that one. So I'm assuming about that. Yeah. Around that. Yeah. It's probably yep. Yep. No. We're good. Got 30 5 thousand. No. Well, my wife has a car, but, no, I've only got a company car. Yeah. No. No. Not nothing significant. No. Not That is still the guy shit. No. We don't. No. We've been bloody thinking about this for the the door wheels, which we should, but no. We haven't yet. No. We know someone local, but and they've been ringing me, and we just haven't found the time to go in. But yeah. No. We we yeah. Yeah. Yes. Yep. No. I don't. No. Yep. I've got access to a printer here at work. So if it gets sent to my work email, I can print them out here. Oh, and home doesn't really matter. Yeah. Yep. Yep. Yep. We have done plenty. Yes. Well, no. Not particularly. I mean no. No. Yeah. I paid them all just basically. So Yep. Well, what yes. As long as my house paid off. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Hi. I wouldn't I've still got a bit of time left in me. So hi. Maybe not very high, but yeah. Probably. Right. No. No. It depends which way the market's going up or down, but I'm a pretty, you know, I don't like risk really. So but just put me in the in the middle to high, but not very high category for that, like, wherever it sits in there. Like, I wanna make money out of it, but I wouldn't like seeing my super drop dramatically. So yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Probably. Yeah. Yeah. Probably take one step down, maybe eighty twenty, $70.30, however it works. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yes. Yep. Running to Global? Yep. Yep. Yep. Yep. I can see that. Yep. Yep. Yep. Yep. Yep. That's the one. Yep. Yep. No. So that's still that's still current at the moment. It hasn't expired or anything? To the experiences. You said that the yeah. Okay. No. No. No. When that when you asked me at the beginning, had I signed any or got any documents about the insurance, And I said I haven't, and you're gonna resend them or something. Is that what you're talking about? Just this insurance? No. Okay. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yes. That's what I'm yep. Yep. Mhmm. Yep. Mhmm. Yes. Yep. Yep. Mhmm. Internal. Right. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That makes sense. Yep. I've got performance with OIR. Performance. And after that one. Yep. In-depth dot. Yep. I think it's the last time you showed me this, so someone did. Yep. Mhmm. Yes. Mhmm. Yep. Yep. Yep. Yep. Yep. I'm actually Yep. Yep. Yep. So that's just Brightstone. Okay. Yep. Mhmm. Yep. Mhmm. Yes. Sorry. Sign is coming up. Page 17. It's gone to some weird little tiny things I can't get it to. What am I looking for? Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. I kinda get I did fan this. I I found them. Yep. On the next document. Yes. Yep. Yep. Yep. Yep. So just hit the little box there, and it'll come up. Yep. It's already got one in there. Yep. So I just hit sign or sign all? We're just sign at the moment. Yep. Yep. Yep. Going fee arrangement. Consent to new ongoing fee. So I saw on that one. There's a signature under that one. This is the next one it went to. Consent to new ongoing fee arrangement. Or is that the one on space? Yep. Yep. Yep. It's loading now for some reason. Yep. Well, it said validate. It's showing the validate or something. I don't know. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. This time's fine. Anytime. I'm pretty flexible at work. Yeah. Just probably not not next Thursday. That's a week from now. So maybe that won't that's not a good time. But, like, anytime after that, Friday, Monday, Tuesday. Yep. Whenever you can fit it in. Yep. That's that's fine. Yep. Yep. Yep. Yep. No. That's that's fine. Yep. Cool. No. I think that's all fine. It's going good, I think. Yep. Yep. Not a problem. Thank you very much. Alright. Not a problem. Thank you. 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Josh speaking. Yeah. Good. Thanks.\n\nYep. That's fine. Yep. That's fine. Yep.\n\nIt's Josh Leslie Getzke. '20 fifth of ninth seventy eight. And I don't have any rest with you. We've moved in the last year. It's either 1 Silky Oak Street, Ripley or 11 Uraga Place, Beebing Heights.\n\nYep. Okay. Yep. That's our house before last year. Yeah.\n\nProbably just a bit of an update. Yep. Long as it's I see if it's making me money. Yep. That's correct.\n\nYep. That is correct. Yep. That's correct. You're absolutely cleansing glass.\n\nYep. Yeah. But it's a 100 and, I think, 108.5, I don't think. I do. Yep.\n\nYep. Not at the moment. Not at the moment. Yeah. Yep.\n\nYeah. It's well, I don't know. The property market was was about 1.7 before the budget come out, but, yeah, Yeah. Who knows, man? Yeah.\n\nThat I mean, we definitely get that. Yep. Well, the house next to the sold last three months ago for 1.65, so ours is probably nicer than that one. So I'm assuming about that. Yeah.\n\nAround that. Yeah. It's probably yep. Yep. No.\n\nWe're good. Got 30 5 thousand. No. Well, my wife has a car, but, no, I've only got a company car. Yeah.\n\nNo. No. Not nothing significant. No. Not That is still the guy shit.\n\nNo. We don't. No. We've been bloody thinking about this for the the door wheels, which we should, but no. We haven't yet.\n\nNo. We know someone local, but and they've been ringing me, and we just haven't found the time to go in. But yeah. No. We we yeah.\n\nYeah. Yes. Yep. No. I don't.\n\nNo. Yep. I've got access to a printer here at work. So if it gets sent to my work email, I can print them out here. Oh, and home doesn't really matter.\n\nYeah. Yep. Yep. Yep. We have done plenty.\n\nYes. Well, no. Not particularly. I mean no. No.\n\nYeah. I paid them all just basically. So Yep. Well, what yes. As long as my house paid off.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Hi. I wouldn't I've still got a bit of time left in me.\n\nSo hi. Maybe not very high, but yeah. Probably. Right. No.\n\nNo. It depends which way the market's going up or down, but I'm a pretty, you know, I don't like risk really. So but just put me in the in the middle to high, but not very high category for that, like, wherever it sits in there. Like, I wanna make money out of it, but I wouldn't like seeing my super drop dramatically. So yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nProbably. Yeah. Yeah. Probably take one step down, maybe eighty twenty, $70.30, however it works. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yes. Yep. Running to Global?\n\nYep. Yep. Yep. Yep. I can see that.\n\nYep. Yep. Yep. Yep. Yep.\n\nThat's the one. Yep. Yep. No. So that's still that's still current at the moment.\n\nIt hasn't expired or anything? To the experiences. You said that the yeah. Okay. No.\n\nNo. No. When that when you asked me at the beginning, had I signed any or got any documents about the insurance, And I said I haven't, and you're gonna resend them or something. Is that what you're talking about? Just this insurance?\n\nNo. Okay. Yep. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nThat's what I'm yep. Yep. Mhmm. Yep. Mhmm.\n\nYes. Yep. Yep. Mhmm. Internal.\n\nRight. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. That makes sense. Yep.\n\nI've got performance with OIR. Performance. And after that one. Yep. In-depth dot.\n\nYep. I think it's the last time you showed me this, so someone did. Yep. Mhmm. Yes.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. I'm actually Yep. Yep. Yep. So that's just Brightstone.\n\nOkay. Yep. Mhmm. Yep. Mhmm.\n\nYes. Sorry. Sign is coming up. Page 17. It's gone to some weird little tiny things I can't get it to.\n\nWhat am I looking for? Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. I kinda get I did fan this. I I found them. Yep. On the next document.\n\nYes. Yep. Yep. Yep. Yep.\n\nSo just hit the little box there, and it'll come up. Yep. It's already got one in there. Yep. So I just hit sign or sign all?\n\nWe're just sign at the moment. Yep. Yep. Yep. Going fee arrangement.\n\nConsent to new ongoing fee. So I saw on that one. There's a signature under that one. This is the next one it went to. Consent to new ongoing fee arrangement.\n\nOr is that the one on space? Yep. Yep. Yep. It's loading now for some reason.\n\nYep. Well, it said validate. It's showing the validate or something. I don't know. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. This time's fine. Anytime. I'm pretty flexible at work.\n\nYeah. Just probably not not next Thursday. That's a week from now. So maybe that won't that's not a good time. But, like, anytime after that, Friday, Monday, Tuesday.\n\nYep. Whenever you can fit it in. Yep. That's that's fine. Yep.\n\nYep. Yep. Yep. No. That's that's fine.\n\nYep. Cool. No. I think that's all fine. It's going good, I think.\n\nYep. Yep. Not a problem. Thank you very much. Alright.\n\nNot a problem. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.36,"sentiment":"neutral","sentiment_score":0.03197294846177101},{"text":"Josh speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.033148882910609245},{"text":"Yeah.","start":6.96,"end":7.12,"sentiment":"neutral","sentiment_score":0.26555007696151733},{"text":"Good.","start":7.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.5162714719772339},{"text":"Thanks.","start":7.3599997,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6422529220581055}],"sentiment":"neutral","sentiment_score":0.25372419754664105,"num_words":6,"start":1.04,"end":7.8599997},{"sentences":[{"text":"Yep.","start":13.92,"end":14.24,"sentiment":"neutral","sentiment_score":0.1299438327550888},{"text":"That's fine.","start":14.24,"end":15.059999,"sentiment":"neutral","sentiment_score":0.2192554622888565},{"text":"Yep.","start":24.205,"end":24.445,"sentiment":"neutral","sentiment_score":0.06862078607082367},{"text":"That's fine.","start":24.445,"end":25.265,"sentiment":"neutral","sentiment_score":0.16914410889148712},{"text":"Yep.","start":35.22,"end":35.54,"sentiment":"neutral","sentiment_score":0.016963880509138107}],"sentiment":"neutral","sentiment_score":0.14176109167081968,"num_words":7,"start":13.92,"end":35.54},{"sentences":[{"text":"It's Josh Leslie Getzke.","start":35.54,"end":37.8,"sentiment":"neutral","sentiment_score":0.012074808590114117},{"text":"'20 fifth of ninth seventy eight.","start":38.5,"end":41.16,"sentiment":"neutral","sentiment_score":0.012482806574553251},{"text":"And I don't have any rest with you.","start":42.739998,"end":45.3,"sentiment":"neutral","sentiment_score":-0.06191013939678669},{"text":"We've moved in the last year.","start":45.3,"end":46.84,"sentiment":"neutral","sentiment_score":-0.024133235837022465},{"text":"It's either 1 Silky Oak Street, Ripley or 11 Uraga Place, Beebing Heights.","start":47.115,"end":54.015,"sentiment":"neutral","sentiment_score":0.010580914417425027}],"sentiment":"neutral","sentiment_score":-0.010252231593570998,"num_words":37,"start":35.54,"end":54.015},{"sentences":[{"text":"Yep.","start":57.755,"end":58.155003,"sentiment":"neutral","sentiment_score":0.028753995895385746},{"text":"Okay.","start":58.155003,"end":58.655003,"sentiment":"neutral","sentiment_score":0.02037699706852436},{"text":"Yep.","start":59.195,"end":59.515,"sentiment":"neutral","sentiment_score":0.014156345278024672},{"text":"That's our house before last year.","start":59.515,"end":61.68,"sentiment":"neutral","sentiment_score":0.00796098199983438},{"text":"Yeah.","start":77.895,"end":78.215,"sentiment":"neutral","sentiment_score":-0.005729686468839645}],"sentiment":"neutral","sentiment_score":0.01053235437721014,"num_words":10,"start":57.755,"end":78.215},{"sentences":[{"text":"Probably just a bit of an update.","start":78.215,"end":79.755,"sentiment":"neutral","sentiment_score":-0.028962637430855205},{"text":"Yep.","start":81.255,"end":81.755,"sentiment":"neutral","sentiment_score":-0.008615141734480858},{"text":"Long as it's I see if it's making me money.","start":81.975,"end":84.23499,"sentiment":"neutral","sentiment_score":-0.08918155580759049},{"text":"Yep.","start":89.975,"end":90.475,"sentiment":"neutral","sentiment_score":0.0452769510447979},{"text":"That's correct.","start":115.905,"end":116.545,"sentiment":"neutral","sentiment_score":0.08260218799114227}],"sentiment":"neutral","sentiment_score":-0.04250894451425189,"num_words":21,"start":78.215,"end":116.545},{"sentences":[{"text":"Yep.","start":116.545,"end":117.03,"sentiment":"neutral","sentiment_score":0.08032170683145523},{"text":"That is correct.","start":123.43,"end":124.229996,"sentiment":"neutral","sentiment_score":0.17492303252220154},{"text":"Yep.","start":124.229996,"end":124.729996,"sentiment":"neutral","sentiment_score":0.1778680980205536},{"text":"That's correct.","start":132.895,"end":133.455,"sentiment":"neutral","sentiment_score":0.1531645655632019},{"text":"You're absolutely cleansing glass.","start":133.455,"end":134.655,"sentiment":"neutral","sentiment_score":0.3264312446117401}],"sentiment":"neutral","sentiment_score":0.21772845563563434,"num_words":11,"start":116.545,"end":134.655},{"sentences":[{"text":"Yep.","start":134.655,"end":135.155,"sentiment":"neutral","sentiment_score":0.15168772637844086},{"text":"Yeah.","start":141.775,"end":142.275,"sentiment":"neutral","sentiment_score":0.02268453687429428},{"text":"But it's a 100 and, I think, 108.5, I don't think.","start":142.655,"end":148.3,"sentiment":"neutral","sentiment_score":-0.03395619700578126},{"text":"I do.","start":157.64,"end":158.2,"sentiment":"neutral","sentiment_score":-0.10879161581397057},{"text":"Yep.","start":158.2,"end":158.7,"sentiment":"neutral","sentiment_score":-0.018200239166617393}],"sentiment":"neutral","sentiment_score":-0.027183085912838578,"num_words":16,"start":134.655,"end":158.7},{"sentences":[{"text":"Yep.","start":158.92,"end":159.42,"sentiment":"neutral","sentiment_score":0.04397722706198692},{"text":"Not at the moment.","start":162.265,"end":162.98,"sentiment":"neutral","sentiment_score":-0.08656086679548025},{"text":"Not at the moment.","start":162.98,"end":164.215,"sentiment":"neutral","sentiment_score":-0.14221683889627457},{"text":"Yeah.","start":174.93999,"end":175.43999,"sentiment":"neutral","sentiment_score":0.005100809503346682},{"text":"Yep.","start":176.86,"end":177.36,"sentiment":"neutral","sentiment_score":0.015870748087763786}],"sentiment":"neutral","sentiment_score":-0.07728745801035654,"num_words":11,"start":158.92,"end":177.36},{"sentences":[{"text":"Yeah.","start":178.62,"end":178.93999,"sentiment":"neutral","sentiment_score":0.014272434636950493},{"text":"It's well, I don't know.","start":178.93999,"end":179.9,"sentiment":"neutral","sentiment_score":-0.008701497316360473},{"text":"The property market was was about 1.7 before the budget come out, but, yeah, Yeah.","start":179.9,"end":189.535,"sentiment":"neutral","sentiment_score":-0.026247470080852507},{"text":"Who knows, man?","start":189.535,"end":190.515,"sentiment":"neutral","sentiment_score":-0.02070458730061849},{"text":"Yeah.","start":195.215,"end":195.535,"sentiment":"neutral","sentiment_score":0.014393980614840984}],"sentiment":"neutral","sentiment_score":-0.01882667537778616,"num_words":25,"start":178.62,"end":195.535},{"sentences":[{"text":"That I mean, we definitely get that.","start":195.535,"end":197.55501,"sentiment":"neutral","sentiment_score":0.012889687770179339},{"text":"Yep.","start":198.015,"end":198.515,"sentiment":"neutral","sentiment_score":0.04144418612122536},{"text":"Well, the house next to the sold last three months ago for 1.65, so ours is probably nicer than that one.","start":198.815,"end":206.61,"sentiment":"neutral","sentiment_score":0.04369205724270571},{"text":"So I'm assuming about that.","start":206.61,"end":207.89,"sentiment":"neutral","sentiment_score":0.02881801128387451},{"text":"Yeah.","start":207.89,"end":208.39,"sentiment":"neutral","sentiment_score":0.008495545014739037}],"sentiment":"neutral","sentiment_score":0.03433688011552606,"num_words":35,"start":195.535,"end":208.39},{"sentences":[{"text":"Around that.","start":208.69,"end":209.33,"sentiment":"neutral","sentiment_score":0.00001091882586479187},{"text":"Yeah.","start":209.33,"end":209.445,"sentiment":"neutral","sentiment_score":-0.00003277324140071869},{"text":"It's probably yep.","start":209.445,"end":214.87,"sentiment":"neutral","sentiment_score":0.018855909273649257},{"text":"Yep.","start":229.38501,"end":229.88501,"sentiment":"neutral","sentiment_score":0.03842757269740105},{"text":"No.","start":230.66501,"end":230.905,"sentiment":"neutral","sentiment_score":0.005961693823337555}],"sentiment":"neutral","sentiment_score":0.012618257344001904,"num_words":8,"start":208.69,"end":230.905},{"sentences":[{"text":"We're good.","start":230.905,"end":231.63,"sentiment":"neutral","sentiment_score":0.05311550386250019},{"text":"Got 30 5 thousand.","start":231.79001,"end":240.57,"sentiment":"neutral","sentiment_score":0.02282545669004321},{"text":"No.","start":242.83,"end":243.33,"sentiment":"neutral","sentiment_score":-0.05621477961540222},{"text":"Well, my wife has a car, but, no, I've only got a company car.","start":243.39,"end":245.95001,"sentiment":"neutral","sentiment_score":-0.04295008775911161},{"text":"Yeah.","start":245.95001,"end":246.315,"sentiment":"neutral","sentiment_score":0.008123771287500858}],"sentiment":"neutral","sentiment_score":-0.020539063748649576,"num_words":22,"start":230.905,"end":246.315},{"sentences":[{"text":"No.","start":252.795,"end":253.295,"sentiment":"neutral","sentiment_score":-0.09664034098386765},{"text":"No.","start":254.075,"end":254.315,"sentiment":"negative","sentiment_score":-0.49686750769615173},{"text":"Not nothing significant.","start":254.315,"end":255.535,"sentiment":"negative","sentiment_score":-0.4256189266840617},{"text":"No.","start":255.835,"end":256.33502,"sentiment":"neutral","sentiment_score":-0.21859949827194217},{"text":"Not That is still the guy shit.","start":262.93,"end":271.19,"sentiment":"negative","sentiment_score":-0.6084938730512347}],"sentiment":"negative","sentiment_score":-0.4883400952586761,"num_words":13,"start":252.795,"end":271.19},{"sentences":[{"text":"No.","start":280.525,"end":281.025,"sentiment":"neutral","sentiment_score":-0.14955466985702515},{"text":"We don't.","start":291.8,"end":292.44,"sentiment":"neutral","sentiment_score":-0.1411564126610756},{"text":"No.","start":292.44,"end":292.59998,"sentiment":"neutral","sentiment_score":-0.11976121366024016},{"text":"We've been bloody thinking about this for the the door wheels, which we should, but no.","start":292.59998,"end":299.31998,"sentiment":"neutral","sentiment_score":-0.23209866043180227},{"text":"We haven't yet.","start":299.31998,"end":300.12,"sentiment":"neutral","sentiment_score":-0.20193378627300262}],"sentiment":"neutral","sentiment_score":-0.21178298411162003,"num_words":23,"start":280.525,"end":300.12},{"sentences":[{"text":"No.","start":300.12,"end":300.62,"sentiment":"neutral","sentiment_score":-0.1050049364566803},{"text":"We know someone local, but and they've been ringing me, and we just haven't found the time to go in.","start":313.06998,"end":317.63,"sentiment":"neutral","sentiment_score":-0.17725796923041343},{"text":"But yeah.","start":317.63,"end":319.31,"sentiment":"neutral","sentiment_score":-0.0611093994230032},{"text":"No.","start":319.31,"end":319.55,"sentiment":"neutral","sentiment_score":-0.12294382601976396},{"text":"We we 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matter.","start":369.31003,"end":371.09003,"sentiment":"neutral","sentiment_score":0.049500483398636184}],"sentiment":"neutral","sentiment_score":0.05972221423871815,"num_words":32,"start":347.32,"end":371.09003},{"sentences":[{"text":"Yeah.","start":371.15002,"end":371.65002,"sentiment":"neutral","sentiment_score":0.07635116577148438},{"text":"Yep.","start":372.27002,"end":372.77002,"sentiment":"neutral","sentiment_score":0.08929474651813507},{"text":"Yep.","start":379.71002,"end":380.21002,"sentiment":"neutral","sentiment_score":0.1352771818637848},{"text":"Yep.","start":408.43002,"end":408.93002,"sentiment":"neutral","sentiment_score":0.04857116937637329},{"text":"We have done plenty.","start":409.07,"end":411.405,"sentiment":"neutral","sentiment_score":0.11085632164031267}],"sentiment":"neutral","sentiment_score":0.09911494376137853,"num_words":8,"start":371.15002,"end":411.405},{"sentences":[{"text":"Yes.","start":414.985,"end":415.485,"sentiment":"neutral","sentiment_score":0.2529371976852417},{"text":"Well, no.","start":426.85,"end":427.65002,"sentiment":"neutral","sentiment_score":-0.13369610905647278},{"text":"Not particularly.","start":427.65002,"end":428.63,"sentiment":"neutral","sentiment_score":-0.25382062792778015},{"text":"I mean no.","start":428.77002,"end":431.11002,"sentiment":"neutral","sentiment_score":-0.20520013074080148},{"text":"No.","start":431.25,"end":431.75,"sentiment":"neutral","sentiment_score":-0.2618944048881531}],"sentiment":"neutral","sentiment_score":-0.15551011926598018,"num_words":9,"start":414.985,"end":431.75},{"sentences":[{"text":"Yeah.","start":432.29,"end":432.41,"sentiment":"neutral","sentiment_score":-0.021900085732340813},{"text":"I paid them all just basically.","start":432.41,"end":433.99002,"sentiment":"neutral","sentiment_score":-0.017685502767562866},{"text":"So Yep.","start":434.13,"end":448.57498,"sentiment":"neutral","sentiment_score":0.0519856009632349},{"text":"Well, what yes.","start":453.51,"end":454.71,"sentiment":"neutral","sentiment_score":0.10130522151788075},{"text":"As long as my house paid 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wouldn't I've still got a bit of time left in me.","start":516.17,"end":518.89,"sentiment":"neutral","sentiment_score":-0.16455788041154543}],"sentiment":"neutral","sentiment_score":-0.09242589166387916,"num_words":16,"start":470.605,"end":518.89},{"sentences":[{"text":"So hi.","start":518.89,"end":519.71,"sentiment":"neutral","sentiment_score":0.07164403982460499},{"text":"Maybe not very high, but 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know.","start":1424.9751,"end":1425.795,"sentiment":"neutral","sentiment_score":-0.055042831848065056},{"text":"Yep.","start":1426.655,"end":1427.155,"sentiment":"neutral","sentiment_score":0.06595902889966965}],"sentiment":"neutral","sentiment_score":-0.011492985486984252,"num_words":15,"start":1416.3301,"end":1427.155},{"sentences":[{"text":"Yep.","start":1431.055,"end":1431.555,"sentiment":"neutral","sentiment_score":0.11118508875370026},{"text":"Yep.","start":1442.6101,"end":1443.1101,"sentiment":"neutral","sentiment_score":0.1715499609708786},{"text":"Yep.","start":1447.2649,"end":1447.7649,"sentiment":"neutral","sentiment_score":0.06598739326000214},{"text":"Yep.","start":1452.705,"end":1453.205,"sentiment":"positive","sentiment_score":0.5737861394882202},{"text":"Yep.","start":1469.6799,"end":1470.1799,"sentiment":"neutral","sentiment_score":0.13434895873069763}],"sentiment":"neutral","sentiment_score":0.21137150824069978,"num_words":5,"start":1431.055,"end":1470.1799},{"sentences":[{"text":"Yep.","start":1472.08,"end":1472.58,"sentiment":"neutral","sentiment_score":0.1346381902694702},{"text":"Yep.","start":1480.3151,"end":1480.8151,"sentiment":"neutral","sentiment_score":0.03100550547242165},{"text":"This time's fine.","start":1485.9299,"end":1487.1499,"sentiment":"neutral","sentiment_score":0.038793195659915604},{"text":"Anytime.","start":1487.2899,"end":1487.7899,"sentiment":"neutral","sentiment_score":0.03933749347925186},{"text":"I'm pretty flexible at work.","start":1488.09,"end":1489.45,"sentiment":"neutral","sentiment_score":0.03601588401943445}],"sentiment":"neutral","sentiment_score":0.04558547239073298,"num_words":11,"start":1472.08,"end":1489.45},{"sentences":[{"text":"Yeah.","start":1489.45,"end":1489.95,"sentiment":"neutral","sentiment_score":-0.004802782088518143},{"text":"Just probably not not next Thursday.","start":1490.49,"end":1493.23,"sentiment":"neutral","sentiment_score":-0.09196704595039289},{"text":"That's a week from now.","start":1494.73,"end":1495.9299,"sentiment":"neutral","sentiment_score":-0.1369447648525238},{"text":"So maybe that won't that's not a good time.","start":1495.9299,"end":1498.6699,"sentiment":"neutral","sentiment_score":-0.20893657373057473},{"text":"But, like, anytime after that, Friday, Monday, Tuesday.","start":1499.21,"end":1502.085,"sentiment":"neutral","sentiment_score":-0.0034187978017143905}],"sentiment":"neutral","sentiment_score":-0.1085899457945649,"num_words":29,"start":1489.45,"end":1502.085},{"sentences":[{"text":"Yep.","start":1502.085,"end":1502.585,"sentiment":"neutral","sentiment_score":0.06116345524787903},{"text":"Whenever you can fit it in.","start":1504.725,"end":1506.345,"sentiment":"neutral","sentiment_score":0.14920930564403534},{"text":"Yep.","start":1516.68,"end":1516.92,"sentiment":"neutral","sentiment_score":0.04879264160990715},{"text":"That's that's fine.","start":1516.92,"end":1518.3,"sentiment":"neutral","sentiment_score":0.09995286166667938},{"text":"Yep.","start":1523.0801,"end":1523.5801,"sentiment":"neutral","sentiment_score":0.12084432691335678}],"sentiment":"neutral","sentiment_score":0.11882623688628276,"num_words":12,"start":1502.085,"end":1523.5801},{"sentences":[{"text":"Yep.","start":1526.36,"end":1526.86,"sentiment":"neutral","sentiment_score":0.0892871543765068},{"text":"Yep.","start":1526.895,"end":1527.395,"sentiment":"neutral","sentiment_score":0.05687451362609863},{"text":"Yep.","start":1535.535,"end":1536.035,"sentiment":"neutral","sentiment_score":0.07968403398990631},{"text":"No.","start":1539.855,"end":1540.015,"sentiment":"neutral","sentiment_score":-0.024273131042718887},{"text":"That's that's fine.","start":1540.015,"end":1540.995,"sentiment":"neutral","sentiment_score":0.05518409423530102}],"sentiment":"neutral","sentiment_score":0.052446407665099413,"num_words":7,"start":1526.36,"end":1540.995},{"sentences":[{"text":"Yep.","start":1549.03,"end":1549.53,"sentiment":"neutral","sentiment_score":0.1924038827419281},{"text":"Cool.","start":1549.9901,"end":1550.4901,"sentiment":"positive","sentiment_score":0.4027496874332428},{"text":"No.","start":1556.7051,"end":1556.865,"sentiment":"neutral","sentiment_score":-0.0370897576212883},{"text":"I think that's all fine.","start":1556.865,"end":1558.145,"sentiment":"neutral","sentiment_score":0.023730960115790366},{"text":"It's going good, I think.","start":1558.145,"end":1559.185,"sentiment":"neutral","sentiment_score":0.24130007326602937}],"sentiment":"neutral","sentiment_score":0.14486299842022932,"num_words":13,"start":1549.03,"end":1559.185},{"sentences":[{"text":"Yep.","start":1559.185,"end":1559.685,"sentiment":"neutral","sentiment_score":0.1306980550289154},{"text":"Yep.","start":1561.8251,"end":1562.3251,"sentiment":"neutral","sentiment_score":0.11145596951246262},{"text":"Not a problem.","start":1567.585,"end":1568.385,"sentiment":"positive","sentiment_score":0.429407795270284},{"text":"Thank you very much.","start":1568.385,"end":1569.525,"sentiment":"positive","sentiment_score":0.7215231209993362},{"text":"Alright.","start":1570.999,"end":1571.499,"sentiment":"positive","sentiment_score":0.4568627774715424}],"sentiment":"positive","sentiment_score":0.48733326718211173,"num_words":10,"start":1559.185,"end":1571.499},{"sentences":[{"text":"Not a problem.","start":1573.239,"end":1573.959,"sentiment":"positive","sentiment_score":0.4592317243417104},{"text":"Thank you.","start":1573.959,"end":1574.699,"sentiment":"positive","sentiment_score":0.6253884732723236},{"text":"Bye.","start":1575.079,"end":1575.579,"sentiment":"positive","sentiment_score":0.35307765007019043}],"sentiment":"positive","sentiment_score":0.4969249616066615,"num_words":6,"start":1573.239,"end":1575.579}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Josh speaking.\n\nChannel 0: Good morning, Josh. This is Veronica from OCU Financial. How are you?\n\nChannel 1: Yeah. Good. Thanks.\n\nChannel 0: That's good. I had you booked in to go over your under review. Is now still a good time for you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. It's Josh Leslie Getzke. '20\n\nChannel 0: Yep.\n\nChannel 1: fifth of ninth seventy eight.\n\nChannel 0: Yep.\n\nChannel 1: And I don't have any rest with you. We've moved in the last year. It's\n\nChannel 0: Okay.\n\nChannel 1: either 1 Silky Oak Street, Ripley or 11 Uraga Place, Beebing Heights.\n\nChannel 0: I do have the 11 Yuraga Place. Is\n\nChannel 1: Yep.\n\nChannel 0: that your\n\nChannel 1: Okay.\n\nChannel 0: new one?\n\nChannel 1: Yep. That's our house before\n\nChannel 0: Yeah.\n\nChannel 1: last year.\n\nChannel 0: Okay. Beautiful. Now, Josh, before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything is at?\n\nChannel 1: Yeah. Probably just a bit of an update.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Long as it's I see if it's making me money.\n\nChannel 0: Yeah. No worries. I will definitely go through all of that with you today.\n\nChannel 1: Yep.\n\nChannel 0: Now, Josh, what I might do first is just to run through just a bit of a updated fact fund with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kinda bear with me as I run through this. Now when it comes through your personal information, I have you down here as married with true financial dependents. Is that correct?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Yep. Beautiful. And next up, Kin, I have Marissa nominated. Is that still the case as well?\n\nChannel 1: That is correct. Yep.\n\nChannel 0: Perfect. And when it comes to your employment, has any of that changed while you're still working as a dispatch inventory manager?\n\nChannel 1: That's correct. You're absolutely cleansing glass. Yep.\n\nChannel 0: Yep. Beautiful. Now I have income at about a 105,500.\n\nChannel 1: Yeah.\n\nChannel 0: That sounds\n\nChannel 1: But it's a 100 and, I think, 108.5, I don't think.\n\nChannel 0: okay. Beautiful. I will update that. And your employer, they still just pay you that kind of standard 12% contribution into super. There's no\n\nChannel 1: I do.\n\nChannel 0: Like, end\n\nChannel 1: Yep.\n\nChannel 0: up. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And you're not making any additional contributions, are you? Just that from your\n\nChannel 1: Not\n\nChannel 0: employer?\n\nChannel 1: at the moment. Not at the moment.\n\nChannel 0: That is all good. Now asset wise, this might be your old one, so we'll check. The property I have here was valued at 1.5\n\nChannel 1: Yeah.\n\nChannel 0: million.\n\nChannel 1: Yep. Yeah. It's well, I don't know. The property market was was about 1.7 before\n\nChannel 0: Okay.\n\nChannel 1: the budget come out, but,\n\nChannel 0: Who knows\n\nChannel 1: yeah,\n\nChannel 0: now?\n\nChannel 1: Yeah. Who knows,\n\nChannel 0: So do you\n\nChannel 1: man?\n\nChannel 0: so do you think about the 1.5 would be fairly fairly accurate?\n\nChannel 1: Yeah. That I mean, we definitely\n\nChannel 0: Yeah.\n\nChannel 1: get that. Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Well, the house\n\nChannel 0: And I\n\nChannel 1: next\n\nChannel 0: have\n\nChannel 1: to the sold last\n\nChannel 0: Mhmm.\n\nChannel 1: three months ago for 1.65, so ours is probably nicer than that one. So I'm assuming about that. Yeah. Around\n\nChannel 0: Do you\n\nChannel 1: that.\n\nChannel 0: want me to\n\nChannel 1: Yeah.\n\nChannel 0: change\n\nChannel 1: It's probably\n\nChannel 0: it to 1.65? Yeah. Perfect.\n\nChannel 1: yep.\n\nChannel 0: And I have mortgage at about 860,000. Yep. Perfect. Now I also have savings above 4,000.\n\nChannel 1: Yep. No. We're good. Got\n\nChannel 0: Oh, beautiful.\n\nChannel 1: 30\n\nChannel 0: About 35. Perfect.\n\nChannel 1: 5\n\nChannel 0: Otherwise, motor vehicle still a company\n\nChannel 1: thousand.\n\nChannel 0: car, or do you have anything personally as well?\n\nChannel 1: No. Well, my wife has a car, but, no, I've only got a company car. Yeah.\n\nChannel 0: Okay. Any other assets, motorbikes or boats or anything else?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: No. Not\n\nChannel 0: Perfect.\n\nChannel 1: nothing significant. No.\n\nChannel 0: No. And any other liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: Not\n\nChannel 0: Nope. And health and lifestyle wise, so have you done her as a nonsmoker? Is that still the case?\n\nChannel 1: That is still the guy shit.\n\nChannel 0: Perfect. And have you had any significant health issues or injuries or any changes to your health in the last twelve months?\n\nChannel 1: No.\n\nChannel 0: No. That's good. When it comes to estate planning, do you have a will or part of attorney in place? Do you know?\n\nChannel 1: We don't. No. We've been\n\nChannel 0: No.\n\nChannel 1: bloody thinking about this for the the door wheels, which we should, but no. We haven't yet. No.\n\nChannel 0: No. That's okay. Would you like me to get the team to send you, like, a brochure and some pricing of a firm that we work closely with for a while, or do you know somewhere local?\n\nChannel 1: We know someone local, but and they've been ringing me, and we just haven't found the time to go in. But\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Kinda\n\nChannel 1: No.\n\nChannel 0: in\n\nChannel 1: We\n\nChannel 0: the process\n\nChannel 1: we\n\nChannel 0: anyway.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yep. Oh, that's great. And when it comes to super as well, I have your wife, Marissa, nominated to receive the benefits if something were to happen?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. I can see that that we haven't received the insurance nomination. Do you remember receiving that form in the post at all?\n\nChannel 1: No. I don't.\n\nChannel 0: No?\n\nChannel 1: No.\n\nChannel 0: So what so what I can do is I can get the team to resend you those documents\n\nChannel 1: Yep.\n\nChannel 0: just for the insurance because the Subaru is already in place, which is great. Now, Josh, do you have access to a printer or do you press a post?\n\nChannel 1: I've got access to a printer here at work. So if it gets sent to my work email, I can print them out here.\n\nChannel 0: Okay.\n\nChannel 1: Oh, and\n\nChannel 0: Perfect.\n\nChannel 1: home doesn't really matter. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. Alright. I'll get the team to email that to you,\n\nChannel 1: Yep.\n\nChannel 0: and we can get that sorted. Otherwise, when I guess when it comes to kind of goals, the stuff that you are working towards, stream and review is also a good time to kind of check-in and see what's happened, what your goals are, if anything has changed. So last time we spoke, your focus was to kind of settle into the new property, maybe do some house renovation. Is that kind of are you still planning to do some renovations to the house,\n\nChannel 1: Yep.\n\nChannel 0: or have you\n\nChannel 1: We\n\nChannel 0: done some?\n\nChannel 1: have done plenty.\n\nChannel 0: Okay. That's good.\n\nChannel 1: Yes.\n\nChannel 0: Other than that, though, is there anything else that you are working towards or the family's working towards financially or non financially?\n\nChannel 1: Well, no. Not particularly. I mean\n\nChannel 0: Nope. Just\n\nChannel 1: no.\n\nChannel 0: paying down\n\nChannel 1: No.\n\nChannel 0: the mortgage.\n\nChannel 1: Yeah. I paid\n\nChannel 0: Yep.\n\nChannel 1: them all just basically. So\n\nChannel 0: Yep. No. Perfect. And when it comes to your superannuation, I have here that, ideally, you'd love to retire at 60 and draw a weekly income of about $1,000 per week. Do you\n\nChannel 1: Yep.\n\nChannel 0: still think that would be achievable? Like, cover bills and expenses, the thousand dollars per week?\n\nChannel 1: Well, what yes. As long as my\n\nChannel 0: Yes.\n\nChannel 1: house paid off. Yeah.\n\nChannel 0: Yeah. And that's that's what most people say, to be fair. They're like, well, if\n\nChannel 1: Yep.\n\nChannel 0: I don't have a mortgage, a\n\nChannel 1: Yep.\n\nChannel 0: thousand dollars just for you would\n\nChannel 1: Yep.\n\nChannel 0: kind of cover lifestyle. Do some traveling and just enjoy retirement.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now the next thing I do wanna check with you, it is just your risk profile just to see if your risk tolerance or anything has changed when it comes to how your money is invested. So I'll just run through a couple of questions with you. It is just multiple choice just to make it nice and easy, and it's just whatever you feel is the most appropriate for you. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now at the moment, how much risk would you say that you are willing to key take for your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Hi. I wouldn't I've still got a bit of time left in me. So hi.\n\nChannel 0: Yep.\n\nChannel 1: Maybe\n\nChannel 0: Yep.\n\nChannel 1: not\n\nChannel 0: Perfect.\n\nChannel 1: very high, but yeah. Probably.\n\nChannel 0: Hi. Yep. And that's what you said last time as well. And have you bought any direct shares or personal investments?\n\nChannel 1: Right. No. No.\n\nChannel 0: Nope. And when it comes to fluctuations in the market so seeing fluctuations in the market, would you say that that would make you feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious?\n\nChannel 1: It depends which way the market's going up or down,\n\nChannel 0: Yes.\n\nChannel 1: but I'm a pretty, you know, I don't like risk really. So but\n\nChannel 0: Mhmm.\n\nChannel 1: just put me in the in the middle to high, but not very high category for that, like, wherever it sits in there. Like, I\n\nChannel 0: Yep.\n\nChannel 1: wanna make money\n\nChannel 0: Okay.\n\nChannel 1: out of it, but I wouldn't like seeing my super drop dramatically. So\n\nChannel 0: Too much. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Okay. So at the moment, when it comes to your risk profile, we have you invested in a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, that means or it's for investors who are wanting to maximize growth as much as possible from their\n\nChannel 1: Yep.\n\nChannel 0: superannuation\n\nChannel 1: Yep.\n\nChannel 0: while you still have plenty of time, but also are comfortable with seeing short term fluctuations in order to achieve that. So you will have a bit of fluctuations in a high growth portfolio short\n\nChannel 1: Yep.\n\nChannel 0: term\n\nChannel 1: Yep.\n\nChannel 0: to try to achieve that growth in the long term.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to how your money is actually invested, in a high growth portfolio, we see about 90% invested in your\n\nChannel 1: Yep.\n\nChannel 0: growth assets. Now this is a combination of Australian shares, international shares, as well as property, and that\n\nChannel 1: Yep.\n\nChannel 0: is what's going through kind of make things grow for you. And then you have about 10% in defensive. So that is, like, your cash, your gold, your fixed interest. Seamless\n\nChannel 1: Yep.\n\nChannel 0: fluctuations are at least a bit, but only at about 10%. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you feel like that still aligns with you, or do you feel like you wanna take one step down to just a growth profile\n\nChannel 1: Probably.\n\nChannel 0: if you feel like high? Yeah.\n\nChannel 1: Yeah. Yeah. Probably take\n\nChannel 0: Yep.\n\nChannel 1: one step down, maybe eighty twenty, $70.30, however it works. Yeah.\n\nChannel 0: Yeah. And growth is exactly that. It is eighty twenty.\n\nChannel 1: Yep.\n\nChannel 0: So it's one step down. It still means, obviously, 80% is invested in growth to kinda\n\nChannel 1: Yep.\n\nChannel 0: grow that,\n\nChannel 1: Yep.\n\nChannel 0: but a little bit more defensive at the same\n\nChannel 1: Yep.\n\nChannel 0: time. So what I will do after the call today is that I can go and do some research on your current high growth and a growth portfolio, and I will put together a bit of a proposal to show you the change.\n\nChannel 1: Yep.\n\nChannel 0: And then if you are happy with it, we can go ahead and make those changes for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Otherwise, Josh, do you have access to your emails at the moment?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah? Okay. So I have just sent you an email with some documents to kind of run through with you, and it just makes it a little bit easier if you can access those at the same time.\n\nChannel 1: Running to Global?\n\nChannel 0: Yes. That's me.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now it will ask you to click on a link to sign. It won't get you to sign right away, though. It will allow you to open up and look at everything first just to make sure you are happy before it prompts you to sign anything. Sorry. Let me know if you can see the first document where it says summary of superannuation and insurance.\n\nChannel 1: Yep. Yep. I can see that.\n\nChannel 0: Yep. Perfect. So this just kind of breaks down your current situation at the moment. Now I did have a look at your super balance as of last year as well just for that kind of comparison. And at that time, your super balance was at 249,757.\n\nAnd as you can see now, it's at 279,197.\n\nChannel 1: Yep.\n\nChannel 0: Now underneath that, you can then see your insurance with TAL. So you have life and total permanent disability, which is one\n\nChannel 1: Yep.\n\nChannel 0: million 290,504 for both of those.\n\nChannel 1: Yep.\n\nChannel 0: Are you still happy with the level of cover you have for life and TPD? You still think that would, you know, cover your\n\nChannel 1: Yep.\n\nChannel 0: needs? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: That's the one. Yep.\n\nChannel 0: And your income protection will cover you for a monthly benefit of 6,043. You do have that shorting waiting period of twenty eight days, a five year benefit period. Now all three are paid from within the super annuation. You\n\nChannel 1: Yep.\n\nChannel 0: do get a 15% tax rebate. So total premium for all three is 2,627. Do you have any questions in regards to your insurances, or that's pretty straightforward?\n\nChannel 1: No. So that's\n\nChannel 0: No.\n\nChannel 1: still that's still current at the moment. It hasn't expired or anything?\n\nChannel 0: No. It\n\nChannel 1: To\n\nChannel 0: hasn't\n\nChannel 1: the experiences.\n\nChannel 0: expired.\n\nChannel 1: You said that the\n\nChannel 0: Did\n\nChannel 1: yeah.\n\nChannel 0: you get\n\nChannel 1: Okay.\n\nChannel 0: did you get an email or anything saying\n\nChannel 1: No.\n\nChannel 0: anything?\n\nChannel 1: No. No. When that when you asked me at the beginning, had I signed any or got any documents about the insurance, And I said I haven't, and you're gonna resend them or something. Is that what you're talking about? Just this insurance?\n\nChannel 0: That is\n\nChannel 1: No.\n\nChannel 0: yes. But that is to make a nomination. So\n\nChannel 1: Okay.\n\nChannel 0: that is so so you can nominate so let let's say you wanna nominate Marissa again.\n\nChannel 1: Yep.\n\nChannel 0: So if something were to happen to you at the moment, your super would go to her.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Your insurance, there is no nomination. So that would mean that it would go through the trustee. They would then make a decision of who it would go through.\n\nChannel 1: Yep.\n\nChannel 0: So that is just to nominate a person or people for your insurance. So we can make sure\n\nChannel 1: Yep.\n\nChannel 0: that if something were\n\nChannel 1: Yep.\n\nChannel 0: to happen, your child cover would also go through Marissa if that's what you\n\nChannel 1: Yep.\n\nChannel 0: want.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Does\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: what\n\nChannel 0: make\n\nChannel 1: I'm\n\nChannel 0: sense?\n\nChannel 1: yep. Yep.\n\nChannel 0: Yep. Yep. Beautiful. Now the next document is your performance report with IRR. Can you see that one?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: It's like hub twenty four. Yep. So this one here breaks down all your investments in a little bit more detail. Now it shows you the last twelve months and how all your individual investments have performed. Obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: the last twelve months, we have had quite a bit of fluctuations in the market, especially\n\nChannel 1: Yes.\n\nChannel 0: being in a high growth. You can have a little bit more of those fluctuations. So\n\nChannel 1: Yep.\n\nChannel 0: looking at reducing that to growth should minimize the fluctuations a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Now part of the research is that I also want to consider potentially changing at least one of them for you, which\n\nChannel 1: Mhmm.\n\nChannel 0: is the top one here, which is your Benelung Australian equity. So if you wanna look at the second column to the right, it should say internal rate of return, and there's, like, a percentage.\n\nChannel 1: Internal. Right. Yep.\n\nChannel 0: Yeah. You can see where it says note two, and it has, like, a a a bunch of different percentages.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that represents the percentage of the individual investments. So the\n\nChannel 1: Yep.\n\nChannel 0: top one here within the bracket is underperforming a bit at the moment, and that is the one I want to particularly look at changing for you if appropriate\n\nChannel 1: Yep.\n\nChannel 0: through making sure that we have you in the best options moving forward because things are always changing. So the\n\nChannel 1: Yep.\n\nChannel 0: good thing with hub twenty four is that there's hundreds of options for us to choose from, and we do wanna make sure we obviously are proactive with your investments and\n\nChannel 1: Yep.\n\nChannel 0: have you in the best options for you. Does that all\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: That makes sense. Yep.\n\nChannel 0: Yep. Beautiful. Now if you can go to the next document for me, it should be your Vanguard index chart, like a big graph.\n\nChannel 1: I've got performance with OIR. Performance.\n\nChannel 0: And the one after that one?\n\nChannel 1: And after that one. Yep.\n\nChannel 0: Yeah. Do you can\n\nChannel 1: In-depth\n\nChannel 0: see the graph?\n\nChannel 1: dot. Yep.\n\nChannel 0: Yes. Do you remember seeing something like this before?\n\nChannel 1: I think it's the last time you showed me this, so someone did. Yep.\n\nChannel 0: Yeah. So every year Vanguard does release a new copy. The next one is due to come out any day now because they do release it at the end of the financial year, which is great. Essentially, what it is, it just shows us kind of a good visual representation of what we are talking about when we are talking about\n\nChannel 1: Mhmm.\n\nChannel 0: the market. So it\n\nChannel 1: Yes.\n\nChannel 0: kind of shows you all those ups and downs and fluctuations. Now referring it back to that risk profile, if\n\nChannel 1: Mhmm.\n\nChannel 0: you look at the right side, you can kind of see all the different asset classes. So the growth ones is your top four. So that is that you can see your light green, which is The US\n\nChannel 1: Yep.\n\nChannel 0: shares. You have your dark green Australian shares. You have yellow property, and then sorry. The yellow is international shares,\n\nChannel 1: Yep.\n\nChannel 0: and then maroon color is property. So this is at the moment where you have 90%, and we'll look at just having about 80% here. So a little bit less, but still, obviously, focusing on that growth.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then the bottom is, obviously, those defensive for you. Does that all make sense?\n\nChannel 1: Yep. I'm actually Yep.\n\nChannel 0: Yep. Beautiful. Now the next document should be your Tau Certificate of Currency, I believe.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So that\n\nChannel 1: So\n\nChannel 0: just\n\nChannel 1: that's\n\nChannel 0: breaks\n\nChannel 1: just Brightstone.\n\nChannel 0: down your insurances in a bit more detail, but basically lets you know that's all paid and up to date for you.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Now the next document should be your Oakview services guide. Yep. Now you probably have seen this a few times before. It\n\nChannel 1: Mhmm.\n\nChannel 0: is one of\n\nChannel 1: Yep.\n\nChannel 0: those compliance documents. It does give you all the important information in regards to us here at Oakview Financial. You'll have all the information about the team, our directors, and our advisers in them. Now if you do want to scroll down to page 10, I believe, you will be able to see a photo of myself there if you\n\nChannel 1: Mhmm.\n\nChannel 0: do wanna put a face to the voice.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. The only other change I do want to mention is just in regards to the fee structure. So let me just find where it's outlined here for you. Let me see if I can find the page.\n\nI can't seem to see it here, but I'll get oh, actually, yes. Here it is. Sorry. Page 17.\n\nChannel 1: Sorry.\n\nChannel 0: So it should say ongoing service fee.\n\nChannel 1: Sign is coming up. Page\n\nChannel 0: That's\n\nChannel 1: 17.\n\nChannel 0: okay.\n\nChannel 1: It's gone to some weird little tiny things I can't get it to. What am I looking for?\n\nChannel 0: The ongoing service fee page, and there should be, like, a little table showing the fee structure. But if you can't see it, I can, just tell you tell you the difference if it's a\n\nChannel 1: Yep.\n\nChannel 0: bit\n\nChannel 1: Yep.\n\nChannel 0: tricky.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, the current fee structure is that it was 1.65% throughout the balance. So we kind of stay that flat at 1.65. Now with\n\nChannel 1: Mhmm.\n\nChannel 0: the new fee structure that we've just changed, it does make it a little bit more affordable as your super balance grow. So\n\nChannel 1: Yep.\n\nChannel 0: for you, you kinda fall into two categories, which is great. So the 0 to 200 stays exactly the same at 1.65,\n\nChannel 1: Yep.\n\nChannel 0: but then the difference between the 200 and the 500 is then reduced to 1.375. And then\n\nChannel 1: Yep.\n\nChannel 0: it kind of tears down, and then the next tier is 500 to a million, which is then further\n\nChannel 1: Yep.\n\nChannel 0: reduced at 1.1, etcetera.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it does mean because you are over that 200,000, it will mean that the next twelve months will be a little bit cheaper for you than with the old structure, if that\n\nChannel 1: I\n\nChannel 0: makes\n\nChannel 1: kinda\n\nChannel 0: sense.\n\nChannel 1: get I did fan this.\n\nChannel 0: Yep.\n\nChannel 1: I I found them. Yep.\n\nChannel 0: Yep. Beautiful. So on the next page, it should be consent to new ongoing fee arrangement.\n\nChannel 1: On the next document.\n\nChannel 0: Yes. Yep. Perfect.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So that one here is just to say that you're happy to stay on as a client. Now we've kind of already talked about the changes in the fee structure, which is good, and then there's also not a lock in contract. So, you know, if at any point in time you are not happy with the service and there's no lock in contract, but by signing\n\nChannel 1: Yep.\n\nChannel 0: this document, otherwise, it just allows us to manage everything for you in the meantime. But this\n\nChannel 1: Yep.\n\nChannel 0: one here, it will ask you for a little signature if you're happy with that. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: So just hit the little\n\nChannel 0: aft\n\nChannel 1: box there, and it'll come up. Yep.\n\nChannel 0: yes. It should allow you to, like, draw a little signature.\n\nChannel 1: It's already got one in there.\n\nChannel 0: Oh, beautiful. Probably because from last time.\n\nChannel 1: Yep.\n\nChannel 0: And there should be one more document after this one\n\nChannel 1: So I just\n\nChannel 0: at\n\nChannel 1: hit\n\nChannel 0: which\n\nChannel 1: sign or sign all? We're just sign at the moment.\n\nChannel 0: you can do sign all because it's just two documents, so it should take\n\nChannel 1: Yep.\n\nChannel 0: you to this one first and then the next one.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And then the next document should be option to provide tax file number, it should say.\n\nChannel 1: Going fee arrangement. Consent to new ongoing fee. So I saw on that one. There's a signature under that one. This is the next one it went to.\n\nConsent to new ongoing fee arrangement. Or is that\n\nChannel 0: Yes.\n\nChannel 1: the one on\n\nChannel 0: That's\n\nChannel 1: space?\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: that's the, yeah, that's the\n\nChannel 1: Yep.\n\nChannel 0: the one we spoke about, the ongoing\n\nChannel 1: Yep.\n\nChannel 0: service agreement.\n\nChannel 1: It's loading now for some reason.\n\nChannel 0: Yep. Sometimes with technology. It's great when it works, but pain\n\nChannel 1: Yep.\n\nChannel 0: painful sometimes.\n\nChannel 1: Well,\n\nChannel 0: And\n\nChannel 1: it\n\nChannel 0: I\n\nChannel 1: said\n\nChannel 0: think\n\nChannel 1: validate. It's showing the validate or something. I don't know.\n\nChannel 0: yep. So if you press\n\nChannel 1: Yep.\n\nChannel 0: validate, that means you have added the signatures where it is required to do so,\n\nChannel 1: Yep.\n\nChannel 0: which is just that ongoing service agreement and then the tax fund number form. It is just a form to say that we are keeping your tax fund number secure and safe on file. We already have it, so you don't need to provide it or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: So pressing validate, it will just load and send everything back to me, and\n\nChannel 1: Yep.\n\nChannel 0: they will also save a copy for you. So if you do wanna go back at any point and have a read through it,\n\nChannel 1: Yep.\n\nChannel 0: it's all there for you. And I can see here that that's come through on my end, which is great. Now, Josh, while I have you on the phone, I'd like to see if I could book you in for the follow-up appointment to kind of go through the change in the growth profile and potentially\n\nChannel 1: Yep.\n\nChannel 0: any changes for the investments. So when\n\nChannel 1: Yep.\n\nChannel 0: is a good time for you to do that? It will take me about a week to put it all together for you.\n\nChannel 1: Yep.\n\nChannel 0: What's your availability usually like? When's best?\n\nChannel 1: This time's fine.\n\nChannel 0: This\n\nChannel 1: Anytime.\n\nChannel 0: time.\n\nChannel 1: I'm pretty flexible\n\nChannel 0: Okay.\n\nChannel 1: at work. Yeah. Just\n\nChannel 0: Alright.\n\nChannel 1: probably not not next Thursday.\n\nChannel 0: Okay.\n\nChannel 1: That's\n\nChannel 0: Let\n\nChannel 1: a week\n\nChannel 0: me\n\nChannel 1: from\n\nChannel 0: help.\n\nChannel 1: now. So maybe that won't that's not a good time.\n\nChannel 0: Okay.\n\nChannel 1: But, like, anytime after that, Friday, Monday,\n\nChannel 0: Okay.\n\nChannel 1: Tuesday. Yep.\n\nChannel 0: Okay. Beautiful. So I\n\nChannel 1: Whenever\n\nChannel 0: could do\n\nChannel 1: you can fit it in.\n\nChannel 0: yeah. Perfect. Now what I could do, I could do Tuesday September 1 at 11AM again. Would that\n\nChannel 1: Yep.\n\nChannel 0: work?\n\nChannel 1: That's that's fine.\n\nChannel 0: Yeah. Okay. Beautiful. Now I will book that in on a Tuesday, September\n\nChannel 1: Yep.\n\nChannel 0: 1, which is crazy by September already,\n\nChannel 1: Yep. Yep.\n\nChannel 0: at 11:00. If anything does change, would work, or something and you can't make the appointment,\n\nChannel 1: Yep.\n\nChannel 0: just let me know, and I'll see if I can get things shuffled around for you.\n\nChannel 1: No. That's that's fine.\n\nChannel 0: Yep. Beautiful. And I will also get the team to email you that insurance form so that we can get that sorted for the nomination as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Cool.\n\nChannel 0: Yep. Perfect. Do you have any questions for me, otherwise, before I let you go and enjoy the rest of your day?\n\nChannel 1: No. I think that's all fine.\n\nChannel 0: No?\n\nChannel 1: It's going good,\n\nChannel 0: Yep.\n\nChannel 1: I think. Yep.\n\nChannel 0: Yeah. It's all going good. And, yeah, we'll\n\nChannel 1: Yep.\n\nChannel 0: go through a little bit more, like, projections and everything with the changes on Tuesday the first for you as well.\n\nChannel 1: Not a problem. Thank\n\nChannel 0: Yep.\n\nChannel 1: you very much.\n\nChannel 0: No worries. Thanks for your time today, and I\n\nChannel 1: Alright.\n\nChannel 0: look forward to speaking with you on the first.\n\nChannel 1: Not a problem. Thank you.\n\nChannel 0: Mhmm. Thanks.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.36,"sentiment":"neutral","sentiment_score":0.03197294846177101},{"text":"Josh speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.033148882910609245}],"sentiment":"neutral","sentiment_score":0.0327569047609965,"channel":1,"num_words":3,"start":1.04,"end":2.1},{"sentences":[{"text":"Good morning, Josh.","start":2.8799999,"end":3.76,"sentiment":"neutral","sentiment_score":0.3056781192620595},{"text":"This is Veronica from OCU Financial.","start":3.76,"end":5.7,"sentiment":"neutral","sentiment_score":0.23932536939779916},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.1709272414445877}],"sentiment":"neutral","sentiment_score":0.2388140248755614,"channel":0,"num_words":12,"start":2.8799999,"end":6.58},{"sentences":[{"text":"Yeah.","start":6.96,"end":7.12,"sentiment":"neutral","sentiment_score":0.26555007696151733},{"text":"Good.","start":7.12,"end":7.3599997,"sentiment":"positive","sentiment_score":0.5162714719772339},{"text":"Thanks.","start":7.3599997,"end":7.8599997,"sentiment":"positive","sentiment_score":0.6422529220581055}],"sentiment":"positive","sentiment_score":0.4746914903322856,"channel":1,"num_words":3,"start":6.96,"end":7.8599997},{"sentences":[{"text":"That's good.","start":8.4,"end":9.3,"sentiment":"positive","sentiment_score":0.6874760389328003},{"text":"I had you booked in to go over your under review.","start":9.92,"end":12.16,"sentiment":"positive","sentiment_score":0.3422429453242909},{"text":"Is now still a good time for you?","start":12.16,"end":13.86,"sentiment":"neutral","sentiment_score":0.26753897219896317}],"sentiment":"positive","sentiment_score":0.3466636311440241,"channel":0,"num_words":21,"start":8.4,"end":13.86},{"sentences":[{"text":"Yep.","start":13.92,"end":14.24,"sentiment":"neutral","sentiment_score":0.1299438327550888},{"text":"That's fine.","start":14.24,"end":15.059999,"sentiment":"neutral","sentiment_score":0.2192554622888565}],"sentiment":"neutral","sentiment_score":0.18948491911093393,"channel":1,"num_words":3,"start":13.92,"end":15.059999},{"sentences":[{"text":"Yeah.","start":14.96,"end":15.345,"sentiment":"neutral","sentiment_score":0.3023754954338074},{"text":"Perfect.","start":15.745,"end":16.244999,"sentiment":"positive","sentiment_score":0.4213801622390747},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay?","start":16.625,"end":24.005001,"sentiment":"neutral","sentiment_score":0.03538397789515298}],"sentiment":"neutral","sentiment_score":0.05644809731071995,"channel":0,"num_words":31,"start":14.96,"end":24.005001},{"sentences":[{"text":"Yep.","start":24.205,"end":24.445,"sentiment":"neutral","sentiment_score":0.06862078607082367},{"text":"That's fine.","start":24.445,"end":25.265,"sentiment":"neutral","sentiment_score":0.16914410889148712}],"sentiment":"neutral","sentiment_score":0.13563633461793265,"channel":1,"num_words":3,"start":24.205,"end":25.265},{"sentences":[{"text":"Perfect.","start":25.744999,"end":26.225,"sentiment":"neutral","sentiment_score":0.3210791051387787},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":26.225,"end":34.78,"sentiment":"neutral","sentiment_score":0.06841184560096625}],"sentiment":"neutral","sentiment_score":0.07584323558737249,"channel":0,"num_words":34,"start":25.744999,"end":34.78},{"sentences":[{"text":"Yep.","start":35.22,"end":35.54,"sentiment":"neutral","sentiment_score":0.016963880509138107},{"text":"It's Josh Leslie Getzke.","start":35.54,"end":37.8,"sentiment":"neutral","sentiment_score":0.012074808590114117},{"text":"'20","start":38.5,"end":38.82,"sentiment":"neutral","sentiment_score":0.00859195739030838}],"sentiment":"neutral","sentiment_score":0.012309178709983826,"channel":1,"num_words":6,"start":35.22,"end":38.82},{"sentences":[{"text":"Yep.","start":38.6,"end":39.1,"sentiment":"neutral","sentiment_score":0.013283791951835155}],"sentiment":"neutral","sentiment_score":0.013283791951835155,"channel":0,"num_words":1,"start":38.6,"end":39.1},{"sentences":[{"text":"fifth of ninth seventy eight.","start":38.82,"end":41.16,"sentiment":"neutral","sentiment_score":0.013260976411402225}],"sentiment":"neutral","sentiment_score":0.013260976411402225,"channel":1,"num_words":5,"start":38.82,"end":41.16},{"sentences":[{"text":"Yep.","start":41.64,"end":42.14,"sentiment":"neutral","sentiment_score":0.011434078216552734}],"sentiment":"neutral","sentiment_score":0.011434078216552734,"channel":0,"num_words":1,"start":41.64,"end":42.14},{"sentences":[{"text":"And I don't have any rest with you.","start":42.739998,"end":45.3,"sentiment":"neutral","sentiment_score":-0.06191013939678669},{"text":"We've moved in the last year.","start":45.3,"end":46.84,"sentiment":"neutral","sentiment_score":-0.024133235837022465},{"text":"It's","start":47.115,"end":47.615,"sentiment":"neutral","sentiment_score":0.0043022590689361095}],"sentiment":"neutral","sentiment_score":-0.042385218075166146,"channel":1,"num_words":15,"start":42.739998,"end":47.615},{"sentences":[{"text":"Okay.","start":47.565002,"end":48.065002,"sentiment":"neutral","sentiment_score":0.008733629249036312}],"sentiment":"neutral","sentiment_score":0.008733629249036312,"channel":0,"num_words":1,"start":47.565002,"end":48.065002},{"sentences":[{"text":"either 1 Silky Oak Street, Ripley or 11 Uraga Place, Beebing Heights.","start":48.795002,"end":54.015,"sentiment":"neutral","sentiment_score":0.01110413569646577}],"sentiment":"neutral","sentiment_score":0.01110413569646577,"channel":1,"num_words":12,"start":48.795002,"end":54.015},{"sentences":[{"text":"I do have the 11 Yuraga Place.","start":54.74,"end":57.7,"sentiment":"neutral","sentiment_score":0.025723420615707124},{"text":"Is","start":57.7,"end":57.78,"sentiment":"neutral","sentiment_score":0.02426712028682232}],"sentiment":"neutral","sentiment_score":0.025541383074596524,"channel":0,"num_words":8,"start":54.74,"end":57.78},{"sentences":[{"text":"Yep.","start":57.755,"end":58.155003,"sentiment":"neutral","sentiment_score":0.028753995895385746}],"sentiment":"neutral","sentiment_score":0.028753995895385746,"channel":1,"num_words":1,"start":57.755,"end":58.155003},{"sentences":[{"text":"that your","start":57.78,"end":58.18,"sentiment":"neutral","sentiment_score":0.02343063708394766}],"sentiment":"neutral","sentiment_score":0.02343063708394766,"channel":0,"num_words":2,"start":57.78,"end":58.18},{"sentences":[{"text":"Okay.","start":58.155003,"end":58.655003,"sentiment":"neutral","sentiment_score":0.02037699706852436}],"sentiment":"neutral","sentiment_score":0.02037699706852436,"channel":1,"num_words":1,"start":58.155003,"end":58.655003},{"sentences":[{"text":"new one?","start":58.18,"end":58.92,"sentiment":"neutral","sentiment_score":0.013946617487818003}],"sentiment":"neutral","sentiment_score":0.013946617487818003,"channel":0,"num_words":2,"start":58.18,"end":58.92},{"sentences":[{"text":"Yep.","start":59.195,"end":59.515,"sentiment":"neutral","sentiment_score":0.014156345278024672},{"text":"That's our house before","start":59.515,"end":60.655003,"sentiment":"neutral","sentiment_score":0.010216324357315898}],"sentiment":"neutral","sentiment_score":0.011004328541457654,"channel":1,"num_words":5,"start":59.195,"end":60.655003},{"sentences":[{"text":"Yeah.","start":60.34,"end":60.84,"sentiment":"neutral","sentiment_score":9.90554690361023e-6}],"sentiment":"neutral","sentiment_score":9.90554690361023e-6,"channel":0,"num_words":1,"start":60.34,"end":60.84},{"sentences":[{"text":"last year.","start":60.875,"end":61.68,"sentiment":"neutral","sentiment_score":0.00345029728487134}],"sentiment":"neutral","sentiment_score":0.00345029728487134,"channel":1,"num_words":2,"start":60.875,"end":61.68},{"sentences":[{"text":"Okay.","start":62.18,"end":62.66,"sentiment":"neutral","sentiment_score":0.13472163677215576},{"text":"Beautiful.","start":62.66,"end":63.16,"sentiment":"neutral","sentiment_score":0.32653114199638367},{"text":"Now, Josh, before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything is at?","start":64.42,"end":78.115005,"sentiment":"neutral","sentiment_score":0.025891423813715977}],"sentiment":"neutral","sentiment_score":0.03295125021270059,"channel":0,"num_words":58,"start":62.18,"end":78.115005},{"sentences":[{"text":"Yeah.","start":77.895,"end":78.215,"sentiment":"neutral","sentiment_score":-0.005729686468839645},{"text":"Probably just a bit of an 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worries.","start":85.560005,"end":86.380005,"sentiment":"neutral","sentiment_score":0.05565968155860901},{"text":"I will definitely go through all of that with you today.","start":86.68,"end":89.5,"sentiment":"neutral","sentiment_score":0.10022984851490367}],"sentiment":"neutral","sentiment_score":0.0887589483921017,"channel":0,"num_words":14,"start":85.0,"end":89.5},{"sentences":[{"text":"Yep.","start":89.975,"end":90.475,"sentiment":"neutral","sentiment_score":0.0452769510447979}],"sentiment":"neutral","sentiment_score":0.0452769510447979,"channel":1,"num_words":1,"start":89.975,"end":90.475},{"sentences":[{"text":"Now, Josh, what I might do first is just to run through just a bit of a updated fact fund with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice.","start":90.44,"end":102.715,"sentiment":"neutral","sentiment_score":0.00014964426506538782},{"text":"So just kinda bear with me as I run through 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I","start":1569.9789,"end":1571.0989,"sentiment":"positive","sentiment_score":0.6895828757967267}],"sentiment":"positive","sentiment_score":0.6437595354186164,"channel":0,"num_words":9,"start":1569.419,"end":1571.0989},{"sentences":[{"text":"Alright.","start":1570.999,"end":1571.499,"sentiment":"positive","sentiment_score":0.4568627774715424}],"sentiment":"positive","sentiment_score":0.4568627774715424,"channel":1,"num_words":1,"start":1570.999,"end":1571.499},{"sentences":[{"text":"look forward to speaking with you on the first.","start":1571.0989,"end":1573.039,"sentiment":"positive","sentiment_score":0.621432019604577}],"sentiment":"positive","sentiment_score":0.621432019604577,"channel":0,"num_words":9,"start":1571.0989,"end":1573.039},{"sentences":[{"text":"Not a problem.","start":1573.239,"end":1573.959,"sentiment":"positive","sentiment_score":0.4592317243417104},{"text":"Thank you.","start":1573.959,"end":1574.699,"sentiment":"positive","sentiment_score":0.6253884732723236}],"sentiment":"positive","sentiment_score":0.5256944239139557,"channel":1,"num_words":5,"start":1573.239,"end":1574.699},{"sentences":[{"text":"Mhmm.","start":1574.299,"end":1574.7789,"sentiment":"neutral","sentiment_score":0.23626770079135895},{"text":"Thanks.","start":1574.7789,"end":1575.2589,"sentiment":"positive","sentiment_score":0.5706628561019897}],"sentiment":"positive","sentiment_score":0.40346527844667435,"channel":0,"num_words":2,"start":1574.299,"end":1575.2589},{"sentences":[{"text":"Bye.","start":1575.079,"end":1575.579,"sentiment":"positive","sentiment_score":0.35307765007019043}],"sentiment":"positive","sentiment_score":0.35307765007019043,"channel":1,"num_words":1,"start":1575.079,"end":1575.579},{"sentences":[{"text":"Bye.","start":1575.2589,"end":1575.7589,"sentiment":"neutral","sentiment_score":-0.12425965070724489}],"sentiment":"neutral","sentiment_score":-0.12425965070724489,"channel":0,"num_words":1,"start":1575.2589,"end":1575.7589}]},"summary":{"result":"success","short":"During a financial review, a representative from OCU Financial confirms the call is being recorded and asks the customer, Josh Leslie Getzke, to confirm personal information. They go through a review of the customer's life and financial situation, including employment, income, asset, employment, employer, employer, employer, employment, asset, and health and lifestyle. The representative also discusses the customer's health and health and permission to print insurance documents. They provide information on risk tolerance and investment strategies for the customer's high growth portfolio, including a risk-based investment strategy. The agent discusses the benefits of the insurance policy, including coverage for a monthly benefit and a short waiting period, and provides instructions on updating the customer's tax fund number and signing a consent to new ongoing fee arrangement. The agent also provides detailed instructions on each document and emphasizes the importance of the customer's satisfaction with the service."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep.","start_word":44,"end_word":73,"intents":[{"intent":"Ensure proper recording","confidence_score":0.00011527271}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep.","start_word":77,"end_word":110,"intents":[{"intent":"Ensure correct person","confidence_score":0.00044395492},{"intent":"Confirm name and date of birth","confidence_score":0.0004468365},{"intent":"Confirm identity","confidence_score":0.76008695}]},{"text":"either 1 Silky Oak Street, Ripley or 11 Uraga Place, Beebing Heights. I do have the 11 Yuraga Place. Is Yep.","start_word":139,"end_word":159,"intents":[{"intent":"Confirm address","confidence_score":0.2875763}]},{"text":"That's our house before Yeah. last year. Okay.","start_word":166,"end_word":173,"intents":[{"intent":"Clarify new house","confidence_score":0.000534373}]},{"text":"Now, Josh, before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything is at? Yeah.","start_word":175,"end_word":231,"intents":[{"intent":"Inquire about future calls","confidence_score":0.00003396931},{"intent":"Ask about specific questions","confidence_score":0.042536825}]},{"text":"Long as it's I see if it's making me money. Yeah.","start_word":241,"end_word":251,"intents":[{"intent":"Confirm financial status","confidence_score":0.0023033647}]},{"text":"Now when it comes through your personal information, I have you down here as married with true financial dependents. Is that correct?","start_word":326,"end_word":347,"intents":[{"intent":"Clarify personal information","confidence_score":0.0071236105}]},{"text":"And when it comes to your employment, has any of that changed while you're still working as a dispatch inventory manager? That's correct.","start_word":373,"end_word":395,"intents":[{"intent":"Update employment information","confidence_score":0.009206457}]},{"text":"And when it comes to your employment, has any of that changed while you're still working as a dispatch inventory manager? That's correct. You're absolutely cleansing glass. Yep. Yep. Beautiful. Now I have income at about a 105,500. Yeah.","start_word":373,"end_word":411,"intents":[{"intent":"Update personal information","confidence_score":0.0005119998}]},{"text":"Now asset wise, this might be your old one, so we'll check. The property I have here was valued at 1.5 Yeah. million.","start_word":484,"end_word":506,"intents":[{"intent":"Update asset value","confidence_score":0.014950605}]},{"text":"Now asset wise, this might be your old one, so we'll check. The property I have here was valued at 1.5 Yeah. million. Yep. Yeah. It's well, I don't know. The property market was was about 1.7 before Okay. the budget come out, but, Who knows yeah, now? Yeah.","start_word":484,"end_word":532,"intents":[{"intent":"Clarify property market","confidence_score":0.018494764}]},{"text":"The property I have here was valued at 1.5 Yeah. million.","start_word":496,"end_word":506,"intents":[{"intent":"Confirm property value","confidence_score":0.26947108},{"intent":"Confirm property value","confidence_score":0.36329713},{"intent":"Report house value","confidence_score":0.0000065648237}]},{"text":"Would you like me to get the team to send you, like, a brochure and some pricing of a firm that we work closely with for a while, or do you know somewhere local?","start_word":799,"end_word":832,"intents":[{"intent":"Send brochure and pricing","confidence_score":0.04885145}]},{"text":"So what so what I can do is I can get the team to resend you those documents Yep.","start_word":924,"end_word":942,"intents":[{"intent":"Request resend of documents","confidence_score":0.00409398}]},{"text":"So last time we spoke, your focus was to kind of settle into the new property, maybe do some house renovation. Is that kind of are you still planning to do some renovations to the house, Yep. or have you We done some? have done plenty.","start_word":1068,"end_word":1113,"intents":[{"intent":"Ask about past decisions","confidence_score":0.0000840884}]},{"text":"Is that kind of are you still planning to do some renovations to the house, Yep. or have you We done some? have done plenty. Okay. That's good. Yes. Other than that, though, is there anything else that you are working towards or the family's working towards financially or non financially?","start_word":1089,"end_word":1139,"intents":[{"intent":"Ask about current plans","confidence_score":0.000017157172}]},{"text":"That's good. Yes.","start_word":1115,"end_word":1117,"intents":[{"intent":"Express appreciation","confidence_score":0.002335791},{"intent":"Express gratitude","confidence_score":0.013271233}]},{"text":"Other than that, though, is there anything else that you are working towards or the family's working towards financially or non financially? Well, no.","start_word":1118,"end_word":1141,"intents":[{"intent":"Discuss financial goals","confidence_score":0.02306875},{"intent":"Explain financial goals","confidence_score":0.009003083},{"intent":"Discuss financial goals","confidence_score":0.009985691}]},{"text":"Not particularly. I mean Nope. Just no. paying down the No. mortgage. Yeah.","start_word":1142,"end_word":1154,"intents":[{"intent":"Inquire about payment","confidence_score":0.000011280324}]},{"text":"And when it comes to your superannuation, I have here that, ideally, you'd love to retire at 60 and draw a weekly income of about $1,000 per week. Do you Yep.","start_word":1166,"end_word":1196,"intents":[{"intent":"Provide advice on retirement plans","confidence_score":0.00015681561},{"intent":"Discuss retirement plans","confidence_score":0.0502263}]},{"text":"And when it comes to your superannuation, I have here that, ideally, you'd love to retire at 60 and draw a weekly income of about $1,000 per week. Do you Yep. still think that would be achievable? Like, cover bills and expenses, the thousand dollars per week? Well, what yes.","start_word":1166,"end_word":1215,"intents":[{"intent":"Propose future decisions","confidence_score":0.0000704423}]},{"text":"Now the next thing I do wanna check with you, it is just your risk profile just to see if your risk tolerance or anything has changed when it comes to how your money is invested. So I'll just run through a couple of questions with you. It is just multiple choice just to make it nice and easy, and it's just whatever you feel is the most appropriate for you. Does Yep.","start_word":1270,"end_word":1342,"intents":[{"intent":"Ask about risk profile","confidence_score":0.052139763}]},{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Hi.","start_word":1370,"end_word":1393,"intents":[{"intent":"Apply risk to portfolio","confidence_score":0.000064255044}]},{"text":"So, essentially, that means or it's for investors who are wanting to maximize growth as much as possible from their Yep.","start_word":1579,"end_word":1599,"intents":[{"intent":"Maximize growth","confidence_score":0.14224607}]},{"text":"So what I will do after the call today is that I can go and do some research on your current high growth and a growth portfolio, and I will put together a bit of a proposal to show you the change. Yep.","start_word":1828,"end_word":1870,"intents":[{"intent":"Arrange change","confidence_score":0.0034086914}]},{"text":"So you have life and total permanent disability, which is one Yep. million 290,504 for both of those. Yep.","start_word":2094,"end_word":2112,"intents":[{"intent":"Provide insurance","confidence_score":0.008212119}]},{"text":"Are you still happy with the level of cover you have for life and TPD?","start_word":2112,"end_word":2126,"intents":[{"intent":"Provide information on insurance level","confidence_score":0.000034761008}]},{"text":"So that's No. still that's still current at the moment. It hasn't expired or anything? No.","start_word":2215,"end_word":2230,"intents":[{"intent":"Confirm insurance eligibility","confidence_score":0.009120924}]},{"text":"still that's still current at the moment.","start_word":2218,"end_word":2224,"intents":[{"intent":"Inform about current coverage","confidence_score":0.0002572911}]},{"text":"When that when you asked me at the beginning, had I signed any or got any documents about the insurance, And I said I haven't, and you're gonna resend them or something. Is that what you're talking about? Just this insurance?","start_word":2258,"end_word":2298,"intents":[{"intent":"Inquire about renewal of insurance documents","confidence_score":0.0005747233}]},{"text":"that is so so you can nominate so let let's say you wanna nominate Marissa again. Yep.","start_word":2312,"end_word":2328,"intents":[{"intent":"Seek confirmation of nomination process","confidence_score":0.00025224153}]},{"text":"the last twelve months, we have had quite a bit of fluctuations in the market, especially Yes. being in a high growth. You can have a little bit more of those fluctuations. So Yep. looking at reducing that to growth should minimize the fluctuations a little bit. Yep.","start_word":2488,"end_word":2535,"intents":[{"intent":"Address investment concerns","confidence_score":0.0009752749}]},{"text":"Now the next document should be your Tau Certificate of Currency, I believe. Yep. Yep. Yep. So that So just that's breaks just Brightstone. down your insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. Okay. Yep.","start_word":3014,"end_word":3061,"intents":[{"intent":"Update information","confidence_score":0.026450168}]},{"text":"The only other change I do want to mention is just in regards to the fee structure.","start_word":3162,"end_word":3178,"intents":[{"intent":"Provide information about fee structure","confidence_score":0.0020730544},{"intent":"Explain fee structure changes","confidence_score":0.10913341},{"intent":"Explain current fee structure","confidence_score":0.009222971},{"intent":"Explain new fee structure","confidence_score":0.040650345}]},{"text":"But if you can't see it, I can, just tell you tell you the difference if it's a Yep. bit Yep.","start_word":3269,"end_word":3289,"intents":[{"intent":"Explain fee difference","confidence_score":0.004080227}]},{"text":"So on the next page, it should be consent to new ongoing fee arrangement. On the next document.","start_word":3458,"end_word":3475,"intents":[{"intent":"Confirm agreement","confidence_score":0.036795296},{"intent":"Acknowledge acceptance of fee arrangement","confidence_score":0.000023273684}]},{"text":"Now we've kind of already talked about the changes in the fee structure, which is good, and then there's also not a lock in contract.","start_word":3498,"end_word":3522,"intents":[{"intent":"Mention contract lock in contract","confidence_score":0.00084913033}]},{"text":"this document, otherwise, it just allows us to manage everything for you in the meantime. But this Yep. one here, it will ask you for a little signature if you're happy with that. Yep.","start_word":3549,"end_word":3582,"intents":[{"intent":"Sign document","confidence_score":0.17720866}]},{"text":"one here, it will ask you for a little signature if you're happy with that. Yep.","start_word":3567,"end_word":3582,"intents":[{"intent":"Obtain signature","confidence_score":0.0072800005}]},{"text":"Going fee arrangement.","start_word":3694,"end_word":3696,"intents":[{"intent":"Provide fee arrangement","confidence_score":0.17203161}]},{"text":"It's showing the validate or something. I don't know.","start_word":3782,"end_word":3790,"intents":[{"intent":"Validate agreement","confidence_score":0.17058966}]},{"text":"So pressing validate, it will just load and send everything back to me, and Yep.","start_word":3863,"end_word":3877,"intents":[{"intent":"Send documents","confidence_score":0.010977768},{"intent":"Get confirmation","confidence_score":0.007168132}]},{"text":"Now, Josh, while I have you on the phone, I'd like to see if I could book you in for the follow-up appointment to kind of go through the change in the growth profile and potentially Yep. any changes for the investments. So when Yep.","start_word":3923,"end_word":3967,"intents":[{"intent":"Book follow-up appointment","confidence_score":0.40243733}]}]},"sentiments":{"segments":[{"text":"Hello. Josh speaking. Good morning, Josh. This is Veronica from OCU Financial. How are you? Yeah.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.20065726339817047},{"text":"Good. Thanks. That's good. I had you booked in to go over your under review.","start_word":16,"end_word":30,"sentiment":"positive","sentiment_score":0.4678829312324524},{"text":"Is now still a good time for you? Yep. That's fine. Yeah.","start_word":31,"end_word":42,"sentiment":"neutral","sentiment_score":0.23993751406669617},{"text":"Perfect.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.4213801622390747},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay? Yep. That's fine. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. It's Josh Leslie Getzke. '20 Yep. fifth of ninth seventy eight. Yep. And I don't have any rest with you. We've moved in the last year. It's Okay. either 1 Silky Oak Street, Ripley or 11 Uraga Place, Beebing Heights. I do have the 11 Yuraga Place. Is Yep. that your Okay. new one? Yep. That's our house before Yeah. last year. Okay. Beautiful. Now, Josh, before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything is at? Yeah. Probably just a bit of an update. Yep. Yep. Long as it's I see if it's making me money. Yeah. No worries. I will definitely go through all of that with you today. Yep. Now, Josh, what I might do first is just to run through just a bit of a updated fact fund with you just to see if there is anything major that has changed in your life, if we do need to make any tweaks and changes to your advice. So just kinda bear with me as I run through this. Now when it comes through your personal information, I have you down here as married with true financial dependents. Is that correct? That's correct. Yep. Yep.","start_word":44,"end_word":351,"sentiment":"neutral","sentiment_score":0.024098174646496773},{"text":"Beautiful.","start_word":352,"end_word":352,"sentiment":"positive","sentiment_score":0.3869915008544922},{"text":"And next up, Kin, I have Marissa nominated. Is that still the case as well? That is correct. Yep.","start_word":353,"end_word":371,"sentiment":"neutral","sentiment_score":0.10445428639650343},{"text":"Perfect.","start_word":372,"end_word":372,"sentiment":"positive","sentiment_score":0.5015971660614014},{"text":"And when it comes to your employment, has any of that changed while you're still working as a dispatch inventory manager? That's correct. You're absolutely cleansing glass. Yep. Yep.","start_word":373,"end_word":401,"sentiment":"neutral","sentiment_score":0.12658445537090302},{"text":"Beautiful.","start_word":402,"end_word":402,"sentiment":"positive","sentiment_score":0.4719642400741577},{"text":"Now I have income at about a 105,500. Yeah. That sounds But it's a 100 and, I think, 108.5, I don't think. okay.","start_word":403,"end_word":425,"sentiment":"neutral","sentiment_score":0.021043209359049797},{"text":"Beautiful.","start_word":426,"end_word":426,"sentiment":"positive","sentiment_score":0.3945848345756531},{"text":"I will update that. And your employer, they still just pay you that kind of standard 12% contribution into super. There's no I do. Like, end Yep. up. Yeah. Yep. Perfect. And you're not making any additional contributions, are you? Just that from your Not employer? at the moment. Not at the moment. That is all good. Now asset wise, this might be your old one, so we'll check. The property I have here was valued at 1.5 Yeah. million. Yep. Yeah. It's well, I don't know. The property market was was about 1.7 before Okay. the budget come out, but, Who knows yeah, now? Yeah. Who knows, So do you man? so do you think about the 1.5 would be fairly fairly accurate? Yeah. That I mean, we definitely Yeah. get that. Yep. Yeah. Perfect. Well, the house And I next have to the sold last Mhmm. three months ago for 1.65, so ours is probably nicer than that one. So I'm assuming about that. Yeah. Around Do you that. want me to Yeah. change It's probably it to 1.65? Yeah. Perfect. yep. And I have mortgage at about 860,000. Yep. Perfect. Now I also have savings above 4,000. Yep. No. We're good. Got Oh, beautiful. 30 About 35. Perfect. 5 Otherwise, motor vehicle still a company thousand. car, or do you have anything personally as well? No. Well, my wife has a car, but, no, I've only got a company car. Yeah. Okay. Any other assets, motorbikes or boats or anything else? No. Nope.","start_word":427,"end_word":682,"sentiment":"neutral","sentiment_score":0.00962178222835064},{"text":"No. Not Perfect. nothing significant.","start_word":683,"end_word":687,"sentiment":"negative","sentiment_score":-0.43988797068595886},{"text":"No. No. And any other liabilities, like personal loans, credit cards, ZipPay? Not Nope. And health and lifestyle wise, so have you done her as a nonsmoker? Is that still the case?","start_word":688,"end_word":719,"sentiment":"neutral","sentiment_score":-0.11201852560043336},{"text":"That is still the guy shit.","start_word":720,"end_word":725,"sentiment":"negative","sentiment_score":-0.6883330345153809},{"text":"Perfect. And have you had any significant health issues or injuries or any changes to your health in the last twelve months? No. No. That's good. When it comes to estate planning, do you have a will or part of attorney in place? Do you know? We don't. No. We've been No. bloody thinking about this for the the door wheels, which we should, but no. We haven't yet. No. No. That's okay. Would you like me to get the team to send you, like, a brochure and some pricing of a firm that we work closely with for a while, or do you know somewhere local? We know someone local, but and they've been ringing me, and we just haven't found the time to go in. But Okay. yeah. Kinda No. in We the process we anyway. yeah. Yeah. Yep. Oh, that's great. And when it comes to super as well, I have your wife, Marissa, nominated to receive the benefits if something were to happen? Yes. Yep. Yep. Perfect. I can see that that we haven't received the insurance nomination. Do you remember receiving that form in the post at all? No. I don't. No? No. So what so what I can do is I can get the team to resend you those documents Yep. just for the insurance because the Subaru is already in place, which is great. Now, Josh, do you have access to a printer or do you press a post? I've got access to a printer here at work. So if it gets sent to my work email, I can print them out here. Okay. Oh, and Perfect. home doesn't really matter. Yeah. Yeah. Yep. Okay. Perfect. Alright. I'll get the team to email that to you, Yep. and we can get that sorted. Otherwise, when I guess when it comes to kind of goals, the stuff that you are working towards, stream and review is also a good time to kind of check-in and see what's happened, what your goals are, if anything has changed. So last time we spoke, your focus was to kind of settle into the new property, maybe do some house renovation. Is that kind of are you still planning to do some renovations to the house, Yep. or have you We done some? have done plenty. Okay.","start_word":726,"end_word":1114,"sentiment":"neutral","sentiment_score":0.04505563364543768},{"text":"That's good.","start_word":1115,"end_word":1116,"sentiment":"positive","sentiment_score":0.6350540518760681},{"text":"Yes. Other than that, though, is there anything else that you are working towards or the family's working towards financially or non financially? Well, no. Not particularly. I mean Nope. Just no. paying down the No. mortgage. Yeah. I paid Yep. them all just basically. So Yep. No. Perfect. And when it comes to your superannuation, I have here that, ideally, you'd love to retire at 60 and draw a weekly income of about $1,000 per week. Do you Yep. still think that would be achievable? Like, cover bills and expenses, the thousand dollars per week? Well, what yes. As long as my Yes. house paid off. Yeah. Yeah. And that's that's what most people say, to be fair. They're like, well, if Yep. I don't have a mortgage, a Yep. thousand dollars just for you would Yep. kind of cover lifestyle.","start_word":1117,"end_word":1258,"sentiment":"neutral","sentiment_score":0.07996184378862381},{"text":"Do some traveling and just enjoy retirement.","start_word":1259,"end_word":1265,"sentiment":"positive","sentiment_score":0.4229474663734436},{"text":"Yep. Yep. Yep.","start_word":1266,"end_word":1268,"sentiment":"neutral","sentiment_score":0.20822258293628693},{"text":"Beautiful.","start_word":1269,"end_word":1269,"sentiment":"positive","sentiment_score":0.6065131425857544},{"text":"Now the next thing I do wanna check with you, it is just your risk profile just to see if your risk tolerance or anything has changed when it comes to how your money is invested. So I'll just run through a couple of questions with you. It is just multiple choice just to make it nice and easy, and it's just whatever you feel is the most appropriate for you. Does Yep. that make sense? Yep. Yep.","start_word":1270,"end_word":1347,"sentiment":"neutral","sentiment_score":0.14640779793262482},{"text":"Beautiful.","start_word":1348,"end_word":1348,"sentiment":"positive","sentiment_score":0.5210413932800293},{"text":"Now at the moment, how much risk would you say that you are willing to key take for your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Hi. I wouldn't I've still got a bit of time left in me. So hi. Yep. Maybe Yep. not Perfect. very high, but yeah. Probably. Hi. Yep. And that's what you said last time as well. And have you bought any direct shares or personal investments? Right. No. No. Nope. And when it comes to fluctuations in the market so seeing fluctuations in the market, would you say that that would make you feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious? It depends which way the market's going up or down, Yes. but I'm a pretty, you know, I don't like risk really. So but Mhmm. just put me in the in the middle to high, but not very high category for that, like, wherever it sits in there. Like, I Yep. wanna make money Okay.","start_word":1349,"end_word":1539,"sentiment":"neutral","sentiment_score":0.006608415319442905},{"text":"out of it, but I wouldn't like seeing my super drop dramatically. So Too much.","start_word":1540,"end_word":1554,"sentiment":"negative","sentiment_score":-0.4771341383457184},{"text":"Yeah. yeah. Okay. So at the moment, when it comes to your risk profile, we have you invested in a high growth portfolio. Yep. So, essentially, that means or it's for investors who are wanting to maximize growth as much as possible from their Yep. superannuation Yep. while you still have plenty of time, but also are comfortable with seeing short term fluctuations in order to achieve that. So you will have a bit of fluctuations in a high growth portfolio short Yep. term Yep. to try to achieve that growth in the long term. Yep. Now when it comes to how your money is actually invested, in a high growth portfolio, we see about 90% invested in your growth Yep. assets. Now this is a combination of Australian shares, international shares, as well as property, and that Yep.","start_word":1555,"end_word":1693,"sentiment":"neutral","sentiment_score":0.14742416143417358},{"text":"is what's going through kind of make things grow for you.","start_word":1694,"end_word":1704,"sentiment":"positive","sentiment_score":0.3847721219062805},{"text":"And then you have about 10% in defensive. So that is, like, your cash, your gold, your fixed interest. Seamless Yep. fluctuations are at least a bit, but only at about 10%. Do Mhmm. you feel like that still aligns with you, or do you feel like you wanna take one step down to just a growth profile Probably. if you feel like high? Yeah. Yeah. Yeah. Probably take Yep. one step down, maybe eighty twenty, $70.30, however it works. Yeah. Yeah. And growth is exactly that. It is eighty twenty. Yep. So it's one step down. It still means, obviously, 80% is invested in growth to kinda Yep. grow that, Yep. but a little bit more defensive at the same Yep. time. So what I will do after the call today is that I can go and do some research on your current high growth and a growth portfolio, and I will put together a bit of a proposal to show you the change.","start_word":1705,"end_word":1869,"sentiment":"neutral","sentiment_score":0.12422950918024236},{"text":"Yep. And then if you are happy with it, we can go ahead and make those changes for you.","start_word":1870,"end_word":1888,"sentiment":"positive","sentiment_score":0.4878027439117432},{"text":"Yep. Okay. Yep.","start_word":1889,"end_word":1891,"sentiment":"neutral","sentiment_score":0.2703861892223358},{"text":"Perfect.","start_word":1892,"end_word":1892,"sentiment":"positive","sentiment_score":0.47881150245666504},{"text":"Otherwise, Josh, do you have access to your emails at the moment? Yes. Yep. Yeah? Okay. So I have just sent you an email with some documents to kind of run through with you, and it just makes it a little bit easier if you can access those at the same time. Running to Global? Yes. That's me. Yep. Yep. Now it will ask you to click on a link to sign. It won't get you to sign right away, though. It will allow you to open up and look at everything first just to make sure you are happy before it prompts you to sign anything. Sorry. Let me know if you can see the first document where it says summary of superannuation and insurance. Yep. Yep. I can see that. Yep.","start_word":1893,"end_word":2025,"sentiment":"neutral","sentiment_score":0.11349364370107652},{"text":"Perfect.","start_word":2026,"end_word":2026,"sentiment":"positive","sentiment_score":0.36561283469200134},{"text":"So this just kind of breaks down your current situation at the moment. Now I did have a look at your super balance as of last year as well just for that kind of comparison. And at that time, your super balance was at 249,757. And as you can see now, it's at 279,197. Yep. Now underneath that, you can then see your insurance with TAL. So you have life and total permanent disability, which is one Yep. million 290,504 for both of those. Yep. Are you still happy with the level of cover you have for life and TPD? You still think that would, you know, cover your Yep. needs? Yep. Yep.","start_word":2027,"end_word":2139,"sentiment":"neutral","sentiment_score":0.09439612054719336},{"text":"Beautiful. That's the one.","start_word":2140,"end_word":2143,"sentiment":"positive","sentiment_score":0.6172018051147461},{"text":"Yep. And your income protection will cover you for a monthly benefit of 6,043. You do have that shorting waiting period of twenty eight days, a five year benefit period. Now all three are paid from within the super annuation. You Yep. do get a 15% tax rebate. So total premium for all three is 2,627. Do you have any questions in regards to your insurances, or that's pretty straightforward? No. So that's No. still that's still current at the moment. It hasn't expired or anything? No. It To hasn't the experiences. expired. You said that the Did yeah. you get Okay. did you get an email or anything saying No. anything? No. No. When that when you asked me at the beginning, had I signed any or got any documents about the insurance, And I said I haven't, and you're gonna resend them or something. Is that what you're talking about? Just this insurance? That is No. yes. But that is to make a nomination. So Okay. that is so so you can nominate so let let's say you wanna nominate Marissa again. Yep. So if something were to happen to you at the moment, your super would go to her. Yeah. Yep. Your insurance, there is no nomination. So that would mean that it would go through the trustee. They would then make a decision of who it would go through. Yep. So that is just to nominate a person or people for your insurance. So we can make sure Yep. that if something were Yep. to happen, your child cover would also go through Marissa if that's what you Yep. want. Yes. Yep. Does That's that what make I'm sense? yep. Yep. Yep. Yep.","start_word":2144,"end_word":2430,"sentiment":"neutral","sentiment_score":0.015053875744342804},{"text":"Beautiful.","start_word":2431,"end_word":2431,"sentiment":"positive","sentiment_score":0.39451664686203},{"text":"Now the next document is your performance report with IRR. Can you see that one? Mhmm. Yep. It's like hub twenty four. Yep. So this one here breaks down all your investments in a little bit more detail. Now it shows you the last twelve months and how all your individual investments have performed. Obviously, Mhmm. the last twelve months, we have had quite a bit of fluctuations in the market, especially Yes. being in a high growth. You can have a little bit more of those fluctuations. So Yep. looking at reducing that to growth should minimize the fluctuations a little bit. Yep. Now part of the research is that I also want to consider potentially changing at least one of them for you, which Mhmm. is the top one here, which is your Benelung Australian equity. So if you wanna look at the second column to the right, it should say internal rate of return, and there's, like, a percentage. Internal. Right. Yep. Yeah. You can see where it says note two, and it has, like, a a a bunch of different percentages. Yep. Yep. So that represents the percentage of the individual investments. So the Yep. top one here within the bracket is underperforming a bit at the moment, and that is the one I want to particularly look at changing for you if appropriate Yep. through making sure that we have you in the best options moving forward because things are always changing. So the Yep.","start_word":2432,"end_word":2681,"sentiment":"neutral","sentiment_score":0.021124908700585365},{"text":"good thing with hub twenty four is that there's hundreds of options for us to choose from, and we do wanna make sure we obviously are proactive with your investments and Yep. have you in the best options for you.","start_word":2682,"end_word":2721,"sentiment":"positive","sentiment_score":0.4714612662792206},{"text":"Does that all Yep. make sense? That makes sense. Yep.","start_word":2722,"end_word":2731,"sentiment":"neutral","sentiment_score":0.2107357382774353},{"text":"Yep. Beautiful.","start_word":2732,"end_word":2733,"sentiment":"positive","sentiment_score":0.46424245834350586},{"text":"Now if you can go to the next document for me, it should be your Vanguard index chart, like a big graph. I've got performance with OIR. Performance. And the one after that one? And after that one. Yep. Yeah. Do you can In-depth see the graph? dot. Yep. Yes. Do you remember seeing something like this before? I think it's the last time you showed me this, so someone did. Yep. Yeah. So every year Vanguard does release a new copy.","start_word":2734,"end_word":2815,"sentiment":"neutral","sentiment_score":0.11799609897340216},{"text":"The next one is due to come out any day now because they do release it at the end of the financial year, which is great.","start_word":2816,"end_word":2841,"sentiment":"positive","sentiment_score":0.4155297577381134},{"text":"Essentially, what it is, it just shows us kind of a good visual representation of what we are talking about when we are talking about Mhmm. the market. So it Yes. kind of shows you all those ups and downs and fluctuations. Now referring it back to that risk profile, if Mhmm. you look at the right side, you can kind of see all the different asset classes. So the growth ones is your top four. So that is that you can see your light green, which is The US Yep. shares. You have your dark green Australian shares. You have yellow property, and then sorry. The yellow is international shares, Yep. and then maroon color is property. So this is at the moment where you have 90%, and we'll look at just having about 80% here. So a little bit less, but still, obviously, focusing on that growth. Yep. Yep. And then the bottom is, obviously, those defensive for you. Does that all make sense? Yep. I'm actually Yep. Yep.","start_word":2842,"end_word":3012,"sentiment":"neutral","sentiment_score":0.10085755586624146},{"text":"Beautiful.","start_word":3013,"end_word":3013,"sentiment":"positive","sentiment_score":0.3741510808467865},{"text":"Now the next document should be your Tau Certificate of Currency, I believe. Yep. Yep. Yep. So that So just that's breaks just Brightstone. down your insurances in a bit more detail, but basically lets you know that's all paid and up to date for you. Okay. Yep. Yep. Now the next document should be your Oakview services guide. Yep. Now you probably have seen this a few times before. It Mhmm. is one of Yep. those compliance documents. It does give you all the important information in regards to us here at Oakview Financial. You'll have all the information about the team, our directors, and our advisers in them. Now if you do want to scroll down to page 10, I believe, you will be able to see a photo of myself there if you Mhmm. do wanna put a face to the voice. Yes. Yep.","start_word":3014,"end_word":3160,"sentiment":"neutral","sentiment_score":0.10124912858009338},{"text":"Perfect.","start_word":3161,"end_word":3161,"sentiment":"positive","sentiment_score":0.7359491586685181},{"text":"The only other change I do want to mention is just in regards to the fee structure. So let me just find where it's outlined here for you. Let me see if I can find the page. I can't seem to see it here, but I'll get oh, actually, yes. Here it is. Sorry. Page 17. Sorry. So it should say ongoing service fee. Sign is coming up. Page That's 17. okay. It's gone to some weird little tiny things I can't get it to. What am I looking for? The ongoing service fee page, and there should be, like, a little table showing the fee structure. But if you can't see it, I can, just tell you tell you the difference if it's a Yep. bit Yep. tricky. Yep. Essentially, the current fee structure is that it was 1.65% throughout the balance. So we kind of stay that flat at 1.65. Now with Mhmm. the new fee structure that we've just changed, it does make it a little bit more affordable as your super balance grow. So Yep.","start_word":3162,"end_word":3340,"sentiment":"neutral","sentiment_score":0.02553733251988888},{"text":"for you, you kinda fall into two categories, which is great.","start_word":3341,"end_word":3351,"sentiment":"positive","sentiment_score":0.3771954476833343},{"text":"So the 0 to 200 stays exactly the same at 1.65, Yep. but then the difference between the 200 and the 500 is then reduced to 1.375. And then Yep. it kind of tears down, and then the next tier is 500 to a million, which is then further Yep. reduced at 1.1, etcetera. Yep. So Yep. it does mean because you are over that 200,000, it will mean that the next twelve months will be a little bit cheaper for you than with the old structure, if that I makes kinda sense. get I did fan this. Yep. I I found them. Yep. Yep.","start_word":3352,"end_word":3456,"sentiment":"neutral","sentiment_score":0.07768696546554565},{"text":"Beautiful.","start_word":3457,"end_word":3457,"sentiment":"positive","sentiment_score":0.4843418598175049},{"text":"So on the next page, it should be consent to new ongoing fee arrangement. On the next document. Yes. Yep.","start_word":3458,"end_word":3477,"sentiment":"neutral","sentiment_score":0.12169867753982544},{"text":"Perfect.","start_word":3478,"end_word":3478,"sentiment":"positive","sentiment_score":0.45116591453552246},{"text":"Yes. Yep.","start_word":3479,"end_word":3480,"sentiment":"neutral","sentiment_score":0.30104300379753113},{"text":"So that one here is just to say that you're happy to stay on as a client. Now we've kind of already talked about the changes in the fee structure, which is good, and then there's also not a lock in contract.","start_word":3481,"end_word":3522,"sentiment":"positive","sentiment_score":0.41942235827445984},{"text":"So, you know, if at any point in time you are not happy with the service and there's no lock in contract, but by signing Yep. this document, otherwise, it just allows us to manage everything for you in the meantime. But this Yep. one here, it will ask you for a little signature if you're happy with that. Yep. Yep. And then So just hit the little aft box there, and it'll come up. Yep. yes. It should allow you to, like, draw a little signature. It's already got one in there.","start_word":3523,"end_word":3615,"sentiment":"neutral","sentiment_score":0.091518372297287},{"text":"Oh, beautiful.","start_word":3616,"end_word":3617,"sentiment":"positive","sentiment_score":0.5945165157318115},{"text":"Probably because from last time. Yep. And there should be one more document after this one So I just at hit which sign or sign all? We're just sign at the moment. you can do sign all because it's just two documents, so it should take Yep. you to this one first and then the next one. Yep. Yep. Yep. And then the next document should be option to provide tax file number, it should say. Going fee arrangement. Consent to new ongoing fee. So I saw on that one. There's a signature under that one. This is the next one it went to. Consent to new ongoing fee arrangement. Or is that Yes. the one on That's space? the Yep. that's the, yeah, that's the Yep. the one we spoke about, the ongoing Yep. service agreement. It's loading now for some reason. Yep. Sometimes with technology. It's great when it works, but pain Yep. painful sometimes. Well, And it I said think validate. It's showing the validate or something. I don't know. yep. So if you press Yep. validate, that means you have added the signatures where it is required to do so, Yep. which is just that ongoing service agreement and then the tax fund number form. It is just a form to say that we are keeping your tax fund number secure and safe on file. We already have it, so you don't need to provide it or anything like that. Yep. So pressing validate, it will just load and send everything back to me, and Yep.","start_word":3618,"end_word":3877,"sentiment":"neutral","sentiment_score":0.09761034697294237},{"text":"they will also save a copy for you. So if you do wanna go back at any point and have a read through it, Yep. it's all there for you. And I can see here that that's come through on my end, which is great.","start_word":3878,"end_word":3922,"sentiment":"positive","sentiment_score":0.5760951042175293},{"text":"Now, Josh, while I have you on the phone, I'd like to see if I could book you in for the follow-up appointment to kind of go through the change in the growth profile and potentially Yep. any changes for the investments. So when Yep. is a good time for you to do that? It will take me about a week to put it all together for you. Yep. What's your availability usually like? When's best? This time's fine. This Anytime. time. I'm pretty flexible Okay. at work. Yeah. Just Alright. probably not not next Thursday. Okay. That's Let a week me from help. now. So maybe that won't that's not a good time. Okay. But, like, anytime after that, Friday, Monday, Okay. Tuesday. Yep. Okay.","start_word":3923,"end_word":4048,"sentiment":"neutral","sentiment_score":0.05288953334093094},{"text":"Beautiful.","start_word":4049,"end_word":4049,"sentiment":"positive","sentiment_score":0.3688855767250061},{"text":"So I Whenever could do you can fit it in. yeah. Perfect. Now what I could do, I could do Tuesday September 1 at 11AM again. Would that Yep. work? That's that's fine. Yeah. Okay.","start_word":4050,"end_word":4084,"sentiment":"neutral","sentiment_score":0.11152711510658264},{"text":"Beautiful.","start_word":4085,"end_word":4085,"sentiment":"positive","sentiment_score":0.3734230697154999},{"text":"Now I will book that in on a Tuesday, September Yep. 1, which is crazy by September already, Yep. Yep. at 11:00. If anything does change, would work, or something and you can't make the appointment, Yep. just let me know, and I'll see if I can get things shuffled around for you. No. That's that's fine. Yep.","start_word":4086,"end_word":4143,"sentiment":"neutral","sentiment_score":0.0931776911020279},{"text":"Beautiful.","start_word":4144,"end_word":4144,"sentiment":"positive","sentiment_score":0.4913812279701233},{"text":"And I will also get the team to email you that insurance form so that we can get that sorted for the nomination as Yep. well.","start_word":4145,"end_word":4170,"sentiment":"neutral","sentiment_score":0.30392539501190186},{"text":"Cool.","start_word":4171,"end_word":4171,"sentiment":"positive","sentiment_score":0.4027496874332428},{"text":"Yep.","start_word":4172,"end_word":4172,"sentiment":"neutral","sentiment_score":0.3092845678329468},{"text":"Perfect.","start_word":4173,"end_word":4173,"sentiment":"positive","sentiment_score":0.5143365859985352},{"text":"Do you have any questions for me, otherwise, before I let you go and enjoy the rest of your day? No. I think that's all fine. No? It's going good, Yep. I think. Yep. Yeah.","start_word":4174,"end_word":4208,"sentiment":"neutral","sentiment_score":0.20082245767116547},{"text":"It's all going good.","start_word":4209,"end_word":4212,"sentiment":"positive","sentiment_score":0.4134598672389984},{"text":"And, yeah, we'll Yep. go through a little bit more, like, projections and everything with the changes on Tuesday the first for you as well.","start_word":4213,"end_word":4237,"sentiment":"neutral","sentiment_score":0.1528794765472412},{"text":"Not a problem. Thank Yep. you very much. No worries. Thanks for your time today, and I Alright. look forward to speaking with you on the first. Not a problem. Thank you.","start_word":4238,"end_word":4269,"sentiment":"positive","sentiment_score":0.5746333599090576},{"text":"Mhmm.","start_word":4270,"end_word":4270,"sentiment":"neutral","sentiment_score":0.23626770079135895},{"text":"Thanks. Bye.","start_word":4271,"end_word":4272,"sentiment":"positive","sentiment_score":0.4401117265224457},{"text":"Bye.","start_word":4273,"end_word":4273,"sentiment":"neutral","sentiment_score":0.29787760972976685}],"average":{"sentiment":"neutral","sentiment_score":0.09021272004710612}}}}