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No worries. Take your time. Oh, yep. You can hear me? Yes. No no worries, Derek. Now before I do kind of jump into things, I do like to start by asking if there is anything specific that 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's at? Her her what? Sorry. Yes. It is dependent on each insurer and which type of insurer you are talking about. It is dependent. So each insurer do have slightly different rules, but it also depends on if you are talking about life insurance, TPD insurance, or income protection insurance because that, again, is all different depending on which one you have. Yeah. So let me see if I can quickly find for you what that would be. Do you know which one she's with at all? Yeah. Now let me see because I do have it here. Let me see because, yeah, it is each insurer do it slightly differently. And then, yeah, also, it depends on sorry. Life insurance tend to go for the longest, PPD slightly shorter, and then income protection slightly shorter again. So let me see if I can find for you. Okay. So you are with MetLife. You have it inside super. So for you, your life insurance will be 75. Your TPD insurance will also be 75, and tape so total permanent disability insurance. Yep. So that is 75, and then income protection is 65. Yes. Do you have any questions in regards to that? Yeah. Yeah. And just get hard to check as well. So, obviously, because income protection is obviously designed to cover your income if you are temporarily unable to work. The reason why most of them do kind of stop around 65, and that is pretty consistent across all retail insurers, is because most people at 65 are either retired or working reduced hours, and you can draw an income from your superannuation as well. So that is why they do it, but then also, obviously, their job is to assess risk. Right? So the older you get, the higher probability of of that as well. Yes. But your life and TPD will be 75. Yes. 65. Yes. So that is when it stops, but you can obviously cancel it earlier if you wanted to. But that is that is essentially when it ceases. Yeah. So after 65, there is no insurer that would offer income protection. They would just say due to age, they won't offer it. So it will kind of expire. Yeah. Yep. So if it is where you do wanna look at some cover, it is different, though. It's like where your trauma insurance. If after 65, you feel like, oh, like, you're you wanna have a different kind of insurance, it would then be trauma. It is different, though, so it's not designed to cover your loss of income, but it is a policy that it will pay you out a lump sum if you suffer, like, a traumatic event, like cancer, stroke, heart attack, neurological condition. So it is still a good policy. They tend to go between more so up to $70.75. There is one provider that goes up to 80 if that's you know? So if you do get close to obviously $2.65 and you are worried about, obviously, that income protection ceasing and you're still working, then we can look at other ways to kind of support you with some form of insurance or different kind of, I guess, investments for that purpose. Yep. Does that answer that question? Yep. Yep. Perfect. But get her to check as well who her insurer is and then if she was referring to that income protection or not because, yeah, it is slightly different for each provider. Yep. Yeah. Perfect. Now what I will do with you first, Derek, is just to kind of go through just a bit of an updated fact find 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 kind of bear with me as I run through this. Now I have here that last time we spoke to you, you were engaged in planning the wedding. So you guys did get married? Oh, lovely. When did you guys get married? Oh, beautiful. Well, congratulations. Now I have here next up kin, Melinda. That'll be your wife? Yep. Perfect. And her name has sorry. Her phone number hasn't changed. It still ends on 177. Yeah. Okay. Perfect. Now I do also wanna just confirm your your email hasn't changed or your address is still there, 33 Cooker 2 Place Springfield. Yep. Beautiful. Now dependents, I have here two children currently. That's the case? Yep. Perfect. And employment wise, obviously, still a truck driver? Yep. Yep. Perfect. I'm still enjoying it. Yeah. Pays the bills. Have you been impacted a lot with, obviously, the fuel prices and everything recently? Yeah. But you're still kind of obviously, it's still going okay with the business and everything? Yeah. Oh, that's good. Because I do have quite a few clients who are truck drivers or garbage truck drivers, like, different type of truck drivers, long distance, short distance, and some people have been let go, and some are still kind of being hanging in there. Yeah. Oh, that's good that you're doing okay. Now income wise, I have here last time you were paying yourself about a 100,000. Does that sound about right? Yep. Perfect. And at the moment, you're not making any contributions into super? No. Yeah. No. And and most people are the same right now as well, obviously, with, yeah, increasing fuel prices, increasing living costs. It's one of those things that's on on pause at the moment. That's all good. Now are you guys saving much at the moment, or does most things kind of go to bills and expenses? Yep. Asset wise, I have here your motor vehicle vied at about 50,000. Yep. And you don't have anything owing on that one, do you? No. Perfect. Also, savings about $70. About that. Perfect. And then also some physical silver, about 40. Yeah. Perfect. Now do you have any other new assets in the last twelve months we haven't kind of touched on? No? Okay. And do you have any, like, other liabilities, like credit cards or personal loans or anything? No. Great. And you've never been bankrupt or been under a part nine debt agreement? No. Beautiful. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any changes to your health in the last twelve months? Any significant health issues? No. Beautiful. That's what I like to hear. Good. And do you have private health insurance? Yep. Yep. Okay. Perfect. Now when it comes to estate planning, do you have a will or power of attorney in place? Yep. On the to do list. Yep. Now when it comes to, obviously, your superannuation and your insurances, Now at the moment, I don't actually have a nomination on file for you. Do you remember receiving those in the post at all? No. That's okay. So, basically, what the forms are and they do they are important because if something were to happen to you, it lets you nominate who you want to receive the benefits. It streamlines, obviously, the estate process if something ever were to happen, but then also takes away, obviously, potential conflicts or anything like that with other people trying to to, you know, make a claim or anything. So no. I don't I can't see it here, and I'm in your hub 24 triple checking as well. Sorry. Sometimes with us post if you did send it back. You're not too too far away, though. Sorry. You should have got here. Do you have access to a printer at all, Derek? Yeah? Because what I can do, just so you don't have to if you already have completed it once, just so you don't have to keep redoing it, is that I can get the team to email you the copies. That way, you can just print them off when you have a moment, complete them, and then email them back. Then that way, we know for sure that we get them back. Yep. Perfect. And if you do, obviously, nominate, Melinda as she is your spouse, everything will be tax free to her as well, which is good. Yep. Beautiful. Now I guess when it comes to kind of goals, stuff that you are working towards that you are wanting to achieve, Last time, it was focusing on the upcoming wedding, which you've obviously had, and then just kind of keep building up savings, maybe look at buying a house in the future. Is that still kind of the main goals for you? Yep. Yep. Okay. Great. Now when it comes to your superannuation as well, I'll do quickly just run through just a couple of multiple choice questions just to see if your risk tolerance has changed to how we invest your money. Now some of it can be a bit tricky, and it's all kind of hypothetical situations, which can be a little bit hard as well. But just kind of think of what you feel is the most appropriate for you. And, obviously, knowing that superannuation is locked in until you meet that kind of condition of release. And at the moment, are you still kind of planning on working till '67? Is that still kind of the plan? 6065. Okay. Perfect. Now just so you do know, with the current legislation, if you decide to retire and stop working, you can actually access all of your super tax rate at 60 if you stop working. Yep. Obviously, the the thing to be mindful of, if you do decide to stop at 60, take out everything, then, obviously, you wanna make sure that it lasts, obviously, through retirement, and then potential age pension wouldn't kick in till 67. So that's obviously something to be mindful of. But if you do decide that, no, you don't wanna work anymore, you can take it out at 60. Yeah. Alright. Perfect. Now, Derek, have you ever bought direct shares or invested in the stock market yourself? Nope. And when it comes to the the level of risk that you are comfortable with for your superannuation, would you say that at the moment, you are happy to accept very high risk to grow your super, just high risk yes? Still the same? Alright. Still all the same. Okay. Yeah. Because at the moment, we do have you invested in a growth portfolio, which essentially means that, you know, it is targeted for investors who are looking at getting as much growth out of their superannuation while you still have, you know, still point of time until we do retire. Also, for people who do understand and are comfortable, but that short term, depending on, obviously, what's going on in the world and the market, there will be some level of fluctuation in order to, you know, long term get you that growth. And when it comes to how your money is actually invested, we typically see 90% invested in those growth investments, which is a combination of your Australian shares, your international shares, and property as well. And that is basically what's going to give you that growth. But then we still have about 10% in defensive, like your cash, your fixed interest, bit of gold as well to try not limit fluctuations. So are you still kind of comfortable to maintain that level of risk there, Derek? Yep. Beautiful. And, also, from a time frame point of view, what we consider is making sure that you have enough time in the market for those fluctuations. And in a high growth portfolio, typically, we'd like to see about eight years or so until retirement, which you do have behind you. So from a time frame point of view, it's still very suitable for you. Yeah. Alright. Perfect. Now because I know you are driving, I won't get you to access your emails because it would not be safe to do so. But what I have done is I have sent you an email similar to last time just with some documents to kind of run through with you. Now, obviously, later when it's safe for you to do so and when you have a moment, just have a look through the documents. And if you then have any questions, just let me know. Yep. Perfect. Now what you will see in the document is a a couple of documents. The first one is a super and insurance summary. Now it shows you as well that you have your superannuation with hub twenty four. Now last time we did your annual review, your super balance was at a 124,865. And at the moment, it's up at a 100 and 142,100. Now, obviously, we've already touched on you do have insurance with MetLife, MetLife, and TPD. At the moment, you are covered for 630,000. You also have that income protection, which will pay you a monthly amount of 2,398. You have that shortest thirty day waiting period, and the benefit will last for five years. Because it's paid from within that super environment, you do get that 15% tax rebate. But the total premium for all three is 2,781. Now do you have any questions in regards to your insurances? Are you still happy with, like, the level of cover for now? Yep. Yep. Perfect. Now the next document then shows you your kind of performance with your investments. It shows you in the last twelve months how each investments have performed and how much you actually have invested in each option. So kind of like I touched on a little bit earlier, the last twelve months, we have seen, obviously, a bit of turbulence in the market. I'm sure you've heard on the news. Obviously, with the war, did see a bit of fluctuation and also everything going on in The US with, obviously, Trump and tariffs and everything did see a bit of fluctuations in the last twelve months. So, obviously, being in a high growth portfolio, we can see a bit more fluctuations when do things do happen to the market. The good thing is that your portfolio has still done pretty good considering the market fluctuations. So in the last twelve months, after fees, your portfolio has still gone up by 6.78%, which we are quite happy with given the market conditions and that you are in that high growth portfolio. Now with your investment story, there is one that I would like to look at changing for you. So when you have a look at it, you will see that most of your investments have done really well. There is two that is down at the moment. One is just slightly down, and that is your property investments. Obviously, the property market have been a little bit fluctuating as well. Not too concerned about it. It's just kind of down by about 1%. So so not too bad. The other one that is down is the one that I wanna look at changing for you. So, obviously, with your investment, the good thing with hub twenty four is that there is hundreds of different options for us to choose from, which means that we want to obviously be proactive with your investments because things are always changing. The markets are always changing. Investments are always changing. So we wanna make sure we do stay proactive with your investments. And if we do foresee one investment underperforming a little bit and we don't think it's gonna come back around as as quickly or being the best option for you moving forward, we do wanna look at, obviously, changing things for you. So the investment committee have done a lot of research on this one particular investment, which is called your Benelong Australian equity. So how that one work, Derek, is that they are actively buying and selling different investments in order to try to outperform the market. They They have been very successful in doing so, but more recently, they have been a little bit slower in making those decisions. And one kind of contributing factor to why they are underperforming a bit at the moment is that one of the companies that they had in their portfolio is called the Corporate Travel Group. I'm not sure if you've heard of them. No. So, essentially, they had that company had a bit of issues with that reporting, which actually meant that they were basically put on freeze. So you couldn't buy or sell anything. They were just while they were getting their kind of books investigated. So because of that, obviously, it did see the share prices drop a little bit. The good thing is that you are not invested directly in that. You are just invested in Benelung, and we can get you out of Benelung and move you to something else, which is good. So that is the investment. If you are happy for us to do so, that we would like to just look at changing. Now yeah. Perfect. Now what we are looking at changing because, obviously, if we do remove one Australian investment, we still wanna make sure that you do have exposure to the Australian market. Just another option that's doing a little bit better, a little bit cheaper, and performing a little bit better for you. So what we have found is one that's called your BetaShares Australia two hundred. It is a little bit more simplified in that, basically, it just invests in the 200 largest companies listed in Australia. So you'll have all the big banks, Woolworths, BHP, stuff like that. They're very diversified. You don't have, like, heaps of money in one company. It is across 200 companies. So, obviously, it will be a little bit kind of smoother than that Benelon investment. Because you don't have that same kind of active and buying, it is a bit cheaper, which is good. So so, yes, if you're happy for us to do so, we would like to look at just doing a straight swap over for Ben along through $8,200, if you are comfortable with that. Yep. Yep. Beautiful. Now what I will do just for your records is that I will get something that's called a record of advice drawn up and emailed to you. You don't have to sign it or anything like that, but it just basically lets you know that we have done this one investment switch for you just so that you have the record as well. Any questions in regards to any of that? No. Yep. Beautiful. Now the other documents you will see is another Vanguard index chart. You probably saw this last year. It is one that we like to include. They do update it every single year, which is good to kind of reflect the market fluctuation. Basically, when you have a look at it, you will see market always goes up. The short term, depending on what is happening in the world, you will have those ups and downs and market fluctuations. Yep. You will also have just another copy of that financial services guide again. Now nothing has really changed. All the important information is still in there for you. We've had an update to marketing, which is great, and a bit of an extension to the team. So if you do have a read through it, you will see the directors and all the advices. You will see myself on page 10 as well if you do wanna put a face to the boys. Now the now there there are two documents that it will ask you to sign if you are happy to do so. Now one is a tax file number opt in form. It is basically just a compliance form to say that we are keeping your tax file number secure and safe on file. The other one, it is just your ongoing service agreement. The same as per last year, it is just a form to say that you are happy to stay on as a client. Now we have had no changes in regards to the fee structure, which is good. So that stays exactly the same at that 1.65 from super. So it hasn't changed at all, which is good. And it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. It just gets deducted on a monthly basis for you to give you that flexibility. But by signing that document, it essentially allows us to manage all your investments and insurances and everything for you in the meantime. Does that make sense? Yeah. Perfect. And that was essentially all the the documents and everything that I needed to run through there with you, Derek. Do you have any questions for me while you got me on the phone? Nah? Okay. Good timing. Alright. Well, I will let you get to it. I will let you get to it. Yep. Perfect. When you have a moment, have a look through the emails. Any questions, let me know. Otherwise, I'll just need you to sign those when you have a moment. Yep. Yep. Beautiful. And just keep a lookout for that record of advice, and then I'll get my team to email you those beneficiary forms so we can get that sorted for you as well. Yep. Beautiful. Thank you so much for your time today, and you enjoy the rest of your day. Mhmm. No worries. Thanks, Derek. 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morning. Is this Derek? This is Veronica from Financial. How are you? That's good.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yeah. Sure. Yeah.\n\nNo worries. Take your time. Oh, yep. You can hear me? Yes.\n\nNo no worries, Derek. Now before I do kind of jump into things, I do like to start by asking if there is anything specific that 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's at? Her her what? Sorry. Yes.\n\nIt is dependent on each insurer and which type of insurer you are talking about. It is dependent. So each insurer do have slightly different rules, but it also depends on if you are talking about life insurance, TPD insurance, or income protection insurance because that, again, is all different depending on which one you have. Yeah. So let me see if I can quickly find for you what that would be.\n\nDo you know which one she's with at all? Yeah. Now let me see because I do have it here. Let me see because, yeah, it is each insurer do it slightly differently. And then, yeah, also, it depends on sorry.\n\nLife insurance tend to go for the longest, PPD slightly shorter, and then income protection slightly shorter again. So let me see if I can find for you. Okay. So you are with MetLife. You have it inside super.\n\nSo for you, your life insurance will be 75. Your TPD insurance will also be 75, and tape so total permanent disability insurance. Yep. So that is 75, and then income protection is 65. Yes.\n\nDo you have any questions in regards to that? Yeah. Yeah. And just get hard to check as well. So, obviously, because income protection is obviously designed to cover your income if you are temporarily unable to work.\n\nThe reason why most of them do kind of stop around 65, and that is pretty consistent across all retail insurers, is because most people at 65 are either retired or working reduced hours, and you can draw an income from your superannuation as well. So that is why they do it, but then also, obviously, their job is to assess risk. Right? So the older you get, the higher probability of of that as well. Yes.\n\nBut your life and TPD will be 75. Yes. 65. Yes. So that is when it stops, but you can obviously cancel it earlier if you wanted to.\n\nBut that is that is essentially when it ceases. Yeah. So after 65, there is no insurer that would offer income protection. They would just say due to age, they won't offer it. So it will kind of expire.\n\nYeah. Yep. So if it is where you do wanna look at some cover, it is different, though. It's like where your trauma insurance. If after 65, you feel like, oh, like, you're you wanna have a different kind of insurance, it would then be trauma.\n\nIt is different, though, so it's not designed to cover your loss of income, but it is a policy that it will pay you out a lump sum if you suffer, like, a traumatic event, like cancer, stroke, heart attack, neurological condition. So it is still a good policy. They tend to go between more so up to $70.75. There is one provider that goes up to 80 if that's you know? So if you do get close to obviously $2.65 and you are worried about, obviously, that income protection ceasing and you're still working, then we can look at other ways to kind of support you with some form of insurance or different kind of, I guess, investments for that purpose.\n\nYep. Does that answer that question? Yep. Yep. Perfect.\n\nBut get her to check as well who her insurer is and then if she was referring to that income protection or not because, yeah, it is slightly different for each provider. Yep. Yeah. Perfect. Now what I will do with you first, Derek, is just to kind of go through just a bit of an updated fact find 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 kind of bear with me as I run through this. Now I have here that last time we spoke to you, you were engaged in planning the wedding. So you guys did get married? Oh, lovely. When did you guys get married?\n\nOh, beautiful. Well, congratulations. Now I have here next up kin, Melinda. That'll be your wife? Yep.\n\nPerfect. And her name has sorry. Her phone number hasn't changed. It still ends on 177. Yeah.\n\nOkay. Perfect. Now I do also wanna just confirm your your email hasn't changed or your address is still there, 33 Cooker 2 Place Springfield. Yep. Beautiful.\n\nNow dependents, I have here two children currently. That's the case? Yep. Perfect. And employment wise, obviously, still a truck driver?\n\nYep. Yep. Perfect. I'm still enjoying it. Yeah.\n\nPays the bills. Have you been impacted a lot with, obviously, the fuel prices and everything recently? Yeah. But you're still kind of obviously, it's still going okay with the business and everything? Yeah.\n\nOh, that's good. Because I do have quite a few clients who are truck drivers or garbage truck drivers, like, different type of truck drivers, long distance, short distance, and some people have been let go, and some are still kind of being hanging in there. Yeah. Oh, that's good that you're doing okay. Now income wise, I have here last time you were paying yourself about a 100,000.\n\nDoes that sound about right? Yep. Perfect. And at the moment, you're not making any contributions into super? No.\n\nYeah. No. And and most people are the same right now as well, obviously, with, yeah, increasing fuel prices, increasing living costs. It's one of those things that's on on pause at the moment. That's all good.\n\nNow are you guys saving much at the moment, or does most things kind of go to bills and expenses? Yep. Asset wise, I have here your motor vehicle vied at about 50,000. Yep. And you don't have anything owing on that one, do you?\n\nNo. Perfect. Also, savings about $70. About that. Perfect.\n\nAnd then also some physical silver, about 40. Yeah. Perfect. Now do you have any other new assets in the last twelve months we haven't kind of touched on? No?\n\nOkay. And do you have any, like, other liabilities, like credit cards or personal loans or anything? No. Great. And you've never been bankrupt or been under a part nine debt agreement?\n\nNo. Beautiful. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep.\n\nAnd have you had any changes to your health in the last twelve months? Any significant health issues? No. Beautiful. That's what I like to hear.\n\nGood. And do you have private health insurance? Yep. Yep. Okay.\n\nPerfect. Now when it comes to estate planning, do you have a will or power of attorney in place? Yep. On the to do list. Yep.\n\nNow when it comes to, obviously, your superannuation and your insurances, Now at the moment, I don't actually have a nomination on file for you. Do you remember receiving those in the post at all? No. That's okay. So, basically, what the forms are and they do they are important because if something were to happen to you, it lets you nominate who you want to receive the benefits.\n\nIt streamlines, obviously, the estate process if something ever were to happen, but then also takes away, obviously, potential conflicts or anything like that with other people trying to to, you know, make a claim or anything. So no. I don't I can't see it here, and I'm in your hub 24 triple checking as well. Sorry. Sometimes with us post if you did send it back.\n\nYou're not too too far away, though. Sorry. You should have got here. Do you have access to a printer at all, Derek? Yeah?\n\nBecause what I can do, just so you don't have to if you already have completed it once, just so you don't have to keep redoing it, is that I can get the team to email you the copies. That way, you can just print them off when you have a moment, complete them, and then email them back. Then that way, we know for sure that we get them back. Yep. Perfect.\n\nAnd if you do, obviously, nominate, Melinda as she is your spouse, everything will be tax free to her as well, which is good. Yep. Beautiful. Now I guess when it comes to kind of goals, stuff that you are working towards that you are wanting to achieve, Last time, it was focusing on the upcoming wedding, which you've obviously had, and then just kind of keep building up savings, maybe look at buying a house in the future. Is that still kind of the main goals for you?\n\nYep. Yep. Okay. Great. Now when it comes to your superannuation as well, I'll do quickly just run through just a couple of multiple choice questions just to see if your risk tolerance has changed to how we invest your money.\n\nNow some of it can be a bit tricky, and it's all kind of hypothetical situations, which can be a little bit hard as well. But just kind of think of what you feel is the most appropriate for you. And, obviously, knowing that superannuation is locked in until you meet that kind of condition of release. And at the moment, are you still kind of planning on working till '67? Is that still kind of the plan?\n\n6065. Okay. Perfect. Now just so you do know, with the current legislation, if you decide to retire and stop working, you can actually access all of your super tax rate at 60 if you stop working. Yep.\n\nObviously, the the thing to be mindful of, if you do decide to stop at 60, take out everything, then, obviously, you wanna make sure that it lasts, obviously, through retirement, and then potential age pension wouldn't kick in till 67. So that's obviously something to be mindful of. But if you do decide that, no, you don't wanna work anymore, you can take it out at 60. Yeah. Alright.\n\nPerfect. Now, Derek, have you ever bought direct shares or invested in the stock market yourself? Nope. And when it comes to the the level of risk that you are comfortable with for your superannuation, would you say that at the moment, you are happy to accept very high risk to grow your super, just high risk yes? Still the same?\n\nAlright. Still all the same. Okay. Yeah. Because at the moment, we do have you invested in a growth portfolio, which essentially means that, you know, it is targeted for investors who are looking at getting as much growth out of their superannuation while you still have, you know, still point of time until we do retire.\n\nAlso, for people who do understand and are comfortable, but that short term, depending on, obviously, what's going on in the world and the market, there will be some level of fluctuation in order to, you know, long term get you that growth. And when it comes to how your money is actually invested, we typically see 90% invested in those growth investments, which is a combination of your Australian shares, your international shares, and property as well. And that is basically what's going to give you that growth. But then we still have about 10% in defensive, like your cash, your fixed interest, bit of gold as well to try not limit fluctuations. So are you still kind of comfortable to maintain that level of risk there, Derek?\n\nYep. Beautiful. And, also, from a time frame point of view, what we consider is making sure that you have enough time in the market for those fluctuations. And in a high growth portfolio, typically, we'd like to see about eight years or so until retirement, which you do have behind you. So from a time frame point of view, it's still very suitable for you.\n\nYeah. Alright. Perfect. Now because I know you are driving, I won't get you to access your emails because it would not be safe to do so. But what I have done is I have sent you an email similar to last time just with some documents to kind of run through with you.\n\nNow, obviously, later when it's safe for you to do so and when you have a moment, just have a look through the documents. And if you then have any questions, just let me know. Yep. Perfect. Now what you will see in the document is a a couple of documents.\n\nThe first one is a super and insurance summary. Now it shows you as well that you have your superannuation with hub twenty four. Now last time we did your annual review, your super balance was at a 124,865. And at the moment, it's up at a 100 and 142,100. Now, obviously, we've already touched on you do have insurance with MetLife, MetLife, and TPD.\n\nAt the moment, you are covered for 630,000. You also have that income protection, which will pay you a monthly amount of 2,398. You have that shortest thirty day waiting period, and the benefit will last for five years. Because it's paid from within that super environment, you do get that 15% tax rebate. But the total premium for all three is 2,781.\n\nNow do you have any questions in regards to your insurances? Are you still happy with, like, the level of cover for now? Yep. Yep. Perfect.\n\nNow the next document then shows you your kind of performance with your investments. It shows you in the last twelve months how each investments have performed and how much you actually have invested in each option. So kind of like I touched on a little bit earlier, the last twelve months, we have seen, obviously, a bit of turbulence in the market. I'm sure you've heard on the news. Obviously, with the war, did see a bit of fluctuation and also everything going on in The US with, obviously, Trump and tariffs and everything did see a bit of fluctuations in the last twelve months.\n\nSo, obviously, being in a high growth portfolio, we can see a bit more fluctuations when do things do happen to the market. The good thing is that your portfolio has still done pretty good considering the market fluctuations. So in the last twelve months, after fees, your portfolio has still gone up by 6.78%, which we are quite happy with given the market conditions and that you are in that high growth portfolio. Now with your investment story, there is one that I would like to look at changing for you. So when you have a look at it, you will see that most of your investments have done really well.\n\nThere is two that is down at the moment. One is just slightly down, and that is your property investments. Obviously, the property market have been a little bit fluctuating as well. Not too concerned about it. It's just kind of down by about 1%.\n\nSo so not too bad. The other one that is down is the one that I wanna look at changing for you. So, obviously, with your investment, the good thing with hub twenty four is that there is hundreds of different options for us to choose from, which means that we want to obviously be proactive with your investments because things are always changing. The markets are always changing. Investments are always changing.\n\nSo we wanna make sure we do stay proactive with your investments. And if we do foresee one investment underperforming a little bit and we don't think it's gonna come back around as as quickly or being the best option for you moving forward, we do wanna look at, obviously, changing things for you. So the investment committee have done a lot of research on this one particular investment, which is called your Benelong Australian equity. So how that one work, Derek, is that they are actively buying and selling different investments in order to try to outperform the market. They They have been very successful in doing so, but more recently, they have been a little bit slower in making those decisions.\n\nAnd one kind of contributing factor to why they are underperforming a bit at the moment is that one of the companies that they had in their portfolio is called the Corporate Travel Group. I'm not sure if you've heard of them. No. So, essentially, they had that company had a bit of issues with that reporting, which actually meant that they were basically put on freeze. So you couldn't buy or sell anything.\n\nThey were just while they were getting their kind of books investigated. So because of that, obviously, it did see the share prices drop a little bit. The good thing is that you are not invested directly in that. You are just invested in Benelung, and we can get you out of Benelung and move you to something else, which is good. So that is the investment.\n\nIf you are happy for us to do so, that we would like to just look at changing. Now yeah. Perfect. Now what we are looking at changing because, obviously, if we do remove one Australian investment, we still wanna make sure that you do have exposure to the Australian market. Just another option that's doing a little bit better, a little bit cheaper, and performing a little bit better for you.\n\nSo what we have found is one that's called your BetaShares Australia two hundred. It is a little bit more simplified in that, basically, it just invests in the 200 largest companies listed in Australia. So you'll have all the big banks, Woolworths, BHP, stuff like that. They're very diversified. You don't have, like, heaps of money in one company.\n\nIt is across 200 companies. So, obviously, it will be a little bit kind of smoother than that Benelon investment. Because you don't have that same kind of active and buying, it is a bit cheaper, which is good. So so, yes, if you're happy for us to do so, we would like to look at just doing a straight swap over for Ben along through $8,200, if you are comfortable with that. Yep.\n\nYep. Beautiful. Now what I will do just for your records is that I will get something that's called a record of advice drawn up and emailed to you. You don't have to sign it or anything like that, but it just basically lets you know that we have done this one investment switch for you just so that you have the record as well. Any questions in regards to any of that?\n\nNo. Yep. Beautiful. Now the other documents you will see is another Vanguard index chart. You probably saw this last year.\n\nIt is one that we like to include. They do update it every single year, which is good to kind of reflect the market fluctuation. Basically, when you have a look at it, you will see market always goes up. The short term, depending on what is happening in the world, you will have those ups and downs and market fluctuations. Yep.\n\nYou will also have just another copy of that financial services guide again. Now nothing has really changed. All the important information is still in there for you. We've had an update to marketing, which is great, and a bit of an extension to the team. So if you do have a read through it, you will see the directors and all the advices.\n\nYou will see myself on page 10 as well if you do wanna put a face to the boys. Now the now there there are two documents that it will ask you to sign if you are happy to do so. Now one is a tax file number opt in form. It is basically just a compliance form to say that we are keeping your tax file number secure and safe on file. The other one, it is just your ongoing service agreement.\n\nThe same as per last year, it is just a form to say that you are happy to stay on as a client. Now we have had no changes in regards to the fee structure, which is good. So that stays exactly the same at that 1.65 from super. So it hasn't changed at all, which is good. And it is not a lock in contract.\n\nSo if at any point in time, you are not happy, it is not a lock in contract. It just gets deducted on a monthly basis for you to give you that flexibility. But by signing that document, it essentially allows us to manage all your investments and insurances and everything for you in the meantime. Does that make sense? Yeah.\n\nPerfect. And that was essentially all the the documents and everything that I needed to run through there with you, Derek. Do you have any questions for me while you got me on the phone? Nah? Okay.\n\nGood timing. Alright. Well, I will let you get to it. I will let you get to it. Yep.\n\nPerfect. When you have a moment, have a look through the emails. Any questions, let me know. Otherwise, I'll just need you to sign those when you have a moment. Yep.\n\nYep. Beautiful. And just keep a lookout for that record of advice, and then I'll get my team to email you those beneficiary forms so we can get that sorted for you as well. Yep. Beautiful.\n\nThank you so much for your time today, and you enjoy the rest of your day. Mhmm. No worries. Thanks, Derek. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":4.24,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.295309454202652},{"text":"Is this Derek?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.15172016620635986},{"text":"This is Veronica from Financial.","start":8.16,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.16913374662399291},{"text":"How are you?","start":10.559999,"end":11.38,"sentiment":"neutral","sentiment_score":0.18037155270576477},{"text":"That's good.","start":14.015,"end":14.995001,"sentiment":"positive","sentiment_score":0.740324079990387}],"sentiment":"neutral","sentiment_score":0.2608807305494944,"num_words":15,"start":4.24,"end":14.995001},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":15.8550005,"end":18.415,"sentiment":"positive","sentiment_score":0.47675814953717316},{"text":"Is now still a good time for you?","start":18.415,"end":20.195,"sentiment":"positive","sentiment_score":0.3668719120323658},{"text":"Yeah.","start":28.11,"end":28.43,"sentiment":"neutral","sentiment_score":0.0236775241792202},{"text":"Sure.","start":28.43,"end":28.93,"sentiment":"neutral","sentiment_score":0.047787949442863464},{"text":"Yeah.","start":33.31,"end":33.71,"sentiment":"neutral","sentiment_score":0.04106235131621361}],"sentiment":"positive","sentiment_score":0.37690194391391496,"num_words":22,"start":15.8550005,"end":33.71},{"sentences":[{"text":"No worries.","start":33.71,"end":34.27,"sentiment":"neutral","sentiment_score":0.10730018466711044},{"text":"Take your time.","start":34.27,"end":35.17,"sentiment":"neutral","sentiment_score":0.11911747107903163},{"text":"Oh, yep.","start":132.885,"end":133.28499,"sentiment":"neutral","sentiment_score":0.04888427257537842},{"text":"You can hear me?","start":133.28499,"end":134.34499,"sentiment":"neutral","sentiment_score":0.023828993551433086},{"text":"Yes.","start":135.84499,"end":136.34499,"sentiment":"neutral","sentiment_score":0.08608613908290863}],"sentiment":"neutral","sentiment_score":0.07092695341755946,"num_words":12,"start":33.71,"end":136.34499},{"sentences":[{"text":"No no worries, Derek.","start":136.48499,"end":138.185,"sentiment":"neutral","sentiment_score":0.11005700565874577},{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific that 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's at?","start":139.20499,"end":153.41,"sentiment":"neutral","sentiment_score":0.054349297420545055},{"text":"Her her what?","start":164.285,"end":164.925,"sentiment":"neutral","sentiment_score":-0.03489549954732259},{"text":"Sorry.","start":164.925,"end":165.425,"sentiment":"neutral","sentiment_score":-0.04536781460046768},{"text":"Yes.","start":169.965,"end":170.465,"sentiment":"neutral","sentiment_score":-0.009112896397709846}],"sentiment":"neutral","sentiment_score":0.05109800267382525,"num_words":64,"start":136.48499,"end":170.465},{"sentences":[{"text":"It is dependent on each insurer and which type of insurer you are talking about.","start":174.14,"end":180.56,"sentiment":"neutral","sentiment_score":-0.04035534871121248},{"text":"It is dependent.","start":183.18001,"end":184.14,"sentiment":"neutral","sentiment_score":-0.04042854284246763},{"text":"So each insurer do have slightly different rules, but it also depends on if you are talking about life insurance, TPD insurance, or income protection insurance because that, again, is all different depending on which one you have.","start":184.14,"end":199.47,"sentiment":"neutral","sentiment_score":-0.02742963367582936},{"text":"Yeah.","start":202.03,"end":202.35,"sentiment":"neutral","sentiment_score":0.019946206361055378},{"text":"So let me see if I can quickly find for you what that would be.","start":202.35,"end":207.07,"sentiment":"neutral","sentiment_score":0.03911789245903492}],"sentiment":"neutral","sentiment_score":-0.016142046467090648,"num_words":72,"start":174.14,"end":207.07},{"sentences":[{"text":"Do you know which one she's with at all?","start":207.07,"end":209.41,"sentiment":"neutral","sentiment_score":-0.00647901464253664},{"text":"Yeah.","start":220.045,"end":220.545,"sentiment":"neutral","sentiment_score":0.007490300573408604},{"text":"Now let me see because I do have it here.","start":221.965,"end":225.425,"sentiment":"neutral","sentiment_score":0.01207269923761487},{"text":"Let me see because, yeah, it is each insurer do it slightly differently.","start":226.67,"end":230.69,"sentiment":"neutral","sentiment_score":-0.043141952357613124},{"text":"And then, yeah, also, it depends on sorry.","start":232.19,"end":235.25,"sentiment":"neutral","sentiment_score":-0.04740580962970853}],"sentiment":"neutral","sentiment_score":-0.02122404137853442,"num_words":41,"start":207.07,"end":235.25},{"sentences":[{"text":"Life insurance tend to go for the longest, PPD slightly shorter, and then income protection slightly shorter again.","start":235.31,"end":243.735,"sentiment":"neutral","sentiment_score":-0.09673557182153066},{"text":"So let me see if I can find for you.","start":244.595,"end":247.335,"sentiment":"neutral","sentiment_score":0.07319795452058316},{"text":"Okay.","start":253.55501,"end":254.05501,"sentiment":"positive","sentiment_score":0.4401334822177887},{"text":"So you are with MetLife.","start":254.35501,"end":258.05002,"sentiment":"positive","sentiment_score":0.4214107573032379},{"text":"You have it inside super.","start":258.67,"end":260.93,"sentiment":"positive","sentiment_score":0.4187334656715393}],"sentiment":"neutral","sentiment_score":0.09311779101307575,"num_words":39,"start":235.31,"end":260.93},{"sentences":[{"text":"So for you, your life insurance will be 75.","start":261.79,"end":267.33002,"sentiment":"neutral","sentiment_score":0.06137634441256523},{"text":"Your TPD insurance will also be 75, and tape so total permanent disability insurance.","start":270.125,"end":284.48,"sentiment":"neutral","sentiment_score":0.011525699070521764},{"text":"Yep.","start":286.38,"end":286.86002,"sentiment":"neutral","sentiment_score":0.05013507604598999},{"text":"So that is 75, and then income protection is 65.","start":286.86002,"end":293.52002,"sentiment":"neutral","sentiment_score":0.03879399523139},{"text":"Yes.","start":298.025,"end":298.525,"sentiment":"neutral","sentiment_score":0.053402744233608246}],"sentiment":"neutral","sentiment_score":0.034434990265539714,"num_words":35,"start":261.79,"end":298.525},{"sentences":[{"text":"Do you have any questions in regards to that?","start":301.38498,"end":303.805,"sentiment":"neutral","sentiment_score":0.036866349892483816},{"text":"Yeah.","start":310.76,"end":311.26,"sentiment":"neutral","sentiment_score":-0.005204314365983009},{"text":"Yeah.","start":313.4,"end":313.80002,"sentiment":"neutral","sentiment_score":-0.0331893116235733},{"text":"And just get hard to check as well.","start":313.80002,"end":315.96,"sentiment":"neutral","sentiment_score":-0.19318469613790512},{"text":"So, obviously, because income protection is obviously designed to cover your income if you are temporarily unable to work.","start":315.96,"end":322.95502,"sentiment":"neutral","sentiment_score":-0.1845172439750872}],"sentiment":"neutral","sentiment_score":-0.1252079389891342,"num_words":38,"start":301.38498,"end":322.95502},{"sentences":[{"text":"The reason why most of them do kind of stop around 65, and that is pretty consistent across all retail insurers, is because most people at 65 are either retired or working reduced hours, and you can draw an income from your superannuation as well.","start":323.415,"end":343.89,"sentiment":"neutral","sentiment_score":-0.04799601268023253},{"text":"So that is why they do it, but then also, obviously, their job is to assess risk.","start":344.27002,"end":349.87,"sentiment":"neutral","sentiment_score":-0.045232543393092996},{"text":"Right?","start":349.87,"end":350.37,"sentiment":"neutral","sentiment_score":-0.022679857909679413},{"text":"So the older you get, the higher probability of of that as well.","start":350.445,"end":355.98502,"sentiment":"neutral","sentiment_score":-0.08584980953198212},{"text":"Yes.","start":358.045,"end":358.545,"sentiment":"neutral","sentiment_score":0.029941357672214508}],"sentiment":"neutral","sentiment_score":-0.05243584197982178,"num_words":77,"start":323.415,"end":358.545},{"sentences":[{"text":"But your life and TPD will be 75.","start":358.685,"end":362.385,"sentiment":"neutral","sentiment_score":0.00004305737093091011},{"text":"Yes.","start":365.1,"end":365.6,"sentiment":"neutral","sentiment_score":0.013197524473071098},{"text":"65.","start":367.58,"end":368.53998,"sentiment":"neutral","sentiment_score":0.0059452299028635025},{"text":"Yes.","start":368.53998,"end":369.03998,"sentiment":"neutral","sentiment_score":0.009244533255696297},{"text":"So that is when it stops, but you can obviously cancel it earlier if you wanted to.","start":369.58,"end":377.515,"sentiment":"neutral","sentiment_score":-0.05749404737178017}],"sentiment":"neutral","sentiment_score":-0.033880966382899454,"num_words":28,"start":358.685,"end":377.515},{"sentences":[{"text":"But that is that is essentially when it ceases.","start":377.515,"end":379.855,"sentiment":"neutral","sentiment_score":-0.09471104707982805},{"text":"Yeah.","start":386.65,"end":386.88998,"sentiment":"neutral","sentiment_score":-0.08260607719421387},{"text":"So after 65, there is no insurer that would offer income protection.","start":386.88998,"end":392.19,"sentiment":"neutral","sentiment_score":-0.20611796279748282},{"text":"They would just say due to age, they won't offer it.","start":392.81,"end":397.05,"sentiment":"neutral","sentiment_score":-0.22342225502837787},{"text":"So it will kind of expire.","start":397.05,"end":398.66998,"sentiment":"neutral","sentiment_score":-0.22580976535876593}],"sentiment":"neutral","sentiment_score":-0.1851519090242875,"num_words":39,"start":377.515,"end":398.66998},{"sentences":[{"text":"Yeah.","start":399.05,"end":399.55,"sentiment":"neutral","sentiment_score":-0.04026909917593002},{"text":"Yep.","start":402.33502,"end":402.83502,"sentiment":"neutral","sentiment_score":-0.02655203640460968},{"text":"So if it is where you do wanna look at some cover, it is different, though.","start":403.05502,"end":412.67502,"sentiment":"neutral","sentiment_score":-0.08608747902326286},{"text":"It's like where your trauma insurance.","start":413.695,"end":415.71503,"sentiment":"neutral","sentiment_score":-0.14013911659518877},{"text":"If after 65, you feel like, oh, like, you're you wanna have a different kind of insurance, it would then be trauma.","start":417.07,"end":427.09,"sentiment":"neutral","sentiment_score":-0.2011795551939444}],"sentiment":"neutral","sentiment_score":-0.14589142856066642,"num_words":46,"start":399.05,"end":427.09},{"sentences":[{"text":"It is different, though, so it's not designed to cover your loss of income, but it is a policy that it will pay you out a lump sum if you suffer, like, a traumatic event, like cancer, stroke, heart attack, neurological condition.","start":427.15,"end":441.16498,"sentiment":"neutral","sentiment_score":0.04285868785033623},{"text":"So it is still a good policy.","start":441.22498,"end":442.845,"sentiment":"positive","sentiment_score":0.5292776950768062},{"text":"They tend to go between more so up to $70.75.","start":443.625,"end":450.75,"sentiment":"neutral","sentiment_score":0.11259736344218255},{"text":"There is one provider that goes up to 80 if that's you know?","start":451.21,"end":456.09,"sentiment":"neutral","sentiment_score":0.04040095768868923},{"text":"So if you do get close to obviously $2.65 and you are worried about, obviously, that income protection ceasing and you're still working, then we can look at other ways to kind of support you with some form of insurance or different kind of, I guess, investments for that purpose.","start":456.09,"end":474.89502,"sentiment":"neutral","sentiment_score":0.008305632565170527}],"sentiment":"neutral","sentiment_score":0.06206128252364817,"num_words":122,"start":427.15,"end":474.89502},{"sentences":[{"text":"Yep.","start":476.53,"end":477.03,"sentiment":"neutral","sentiment_score":0.026073768734931942},{"text":"Does that answer that question?","start":477.17,"end":478.55002,"sentiment":"neutral","sentiment_score":0.026255203038454057},{"text":"Yep.","start":479.97,"end":480.37003,"sentiment":"neutral","sentiment_score":0.04897777736186981},{"text":"Yep.","start":480.37003,"end":480.69,"sentiment":"neutral","sentiment_score":0.09969291090965272},{"text":"Perfect.","start":480.69,"end":481.09003,"sentiment":"neutral","sentiment_score":0.3020627498626709}],"sentiment":"neutral","sentiment_score":0.06756480245126618,"num_words":9,"start":476.53,"end":481.09003},{"sentences":[{"text":"But get her to check as well who her insurer is and then if she was referring to that income protection or not because, yeah, it is slightly different for each provider.","start":481.09003,"end":491.245,"sentiment":"neutral","sentiment_score":-0.013504205708159134},{"text":"Yep.","start":492.505,"end":493.005,"sentiment":"neutral","sentiment_score":0.01722361333668232},{"text":"Yeah.","start":495.305,"end":495.805,"sentiment":"neutral","sentiment_score":0.07734107971191406},{"text":"Perfect.","start":495.865,"end":496.365,"sentiment":"neutral","sentiment_score":0.21693173050880432},{"text":"Now what I will do with you first, Derek, is just to kind of go through just a bit of an updated fact find 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":496.985,"end":510.29,"sentiment":"neutral","sentiment_score":0.030331139617106494}],"sentiment":"neutral","sentiment_score":0.016584301876380693,"num_words":86,"start":481.09003,"end":510.29},{"sentences":[{"text":"So just kind of bear with me as I run through this.","start":510.83,"end":514.05,"sentiment":"neutral","sentiment_score":-0.02549175638705492},{"text":"Now I have here that last time we spoke to you, you were engaged in planning the wedding.","start":514.67,"end":522.245,"sentiment":"neutral","sentiment_score":0.005024730538328488},{"text":"So you guys did get married?","start":522.305,"end":524.245,"sentiment":"neutral","sentiment_score":0.012553148437291384},{"text":"Oh, lovely.","start":525.985,"end":527.185,"sentiment":"neutral","sentiment_score":0.1604785919189453},{"text":"When did you guys get married?","start":527.185,"end":528.645,"sentiment":"neutral","sentiment_score":0.0711361908664306}],"sentiment":"neutral","sentiment_score":0.013809938470579007,"num_words":44,"start":510.83,"end":528.645},{"sentences":[{"text":"Oh, beautiful.","start":533.12,"end":533.68,"sentiment":"neutral","sentiment_score":0.320608913898468},{"text":"Well, congratulations.","start":533.68,"end":534.58,"sentiment":"positive","sentiment_score":0.4689978063106537},{"text":"Now I have here next up kin, Melinda.","start":539.36,"end":543.47504,"sentiment":"neutral","sentiment_score":0.13577741850167513},{"text":"That'll be your wife?","start":544.41504,"end":545.47504,"sentiment":"neutral","sentiment_score":0.0872260220348835},{"text":"Yep.","start":546.655,"end":547.05505,"sentiment":"neutral","sentiment_score":0.06801390647888184}],"sentiment":"neutral","sentiment_score":0.1813147519441212,"num_words":17,"start":533.12,"end":547.05505},{"sentences":[{"text":"Perfect.","start":547.05505,"end":547.55505,"sentiment":"neutral","sentiment_score":0.15313935279846191},{"text":"And her name has sorry.","start":547.85504,"end":549.61505,"sentiment":"neutral","sentiment_score":0.02630971185863018},{"text":"Her phone number hasn't changed.","start":549.61505,"end":551.29504,"sentiment":"neutral","sentiment_score":-0.003300227597355844},{"text":"It still ends on 177.","start":551.29504,"end":554.03503,"sentiment":"neutral","sentiment_score":0.012234676256775856},{"text":"Yeah.","start":555.84,"end":556.32,"sentiment":"neutral","sentiment_score":0.06161744147539139}],"sentiment":"neutral","sentiment_score":0.02299868216847672,"num_words":17,"start":547.05505,"end":556.32},{"sentences":[{"text":"Okay.","start":556.32,"end":556.82,"sentiment":"neutral","sentiment_score":0.1061510443687439},{"text":"Perfect.","start":556.88,"end":557.38,"sentiment":"neutral","sentiment_score":0.1901838779449463},{"text":"Now I do also wanna just confirm your your email hasn't changed or your address is still there, 33 Cooker 2 Place Springfield.","start":558.64,"end":569.925,"sentiment":"neutral","sentiment_score":0.0733727007780386},{"text":"Yep.","start":571.665,"end":572.165,"sentiment":"neutral","sentiment_score":0.1124134510755539},{"text":"Beautiful.","start":572.225,"end":572.725,"sentiment":"neutral","sentiment_score":0.2827117145061493}],"sentiment":"neutral","sentiment_score":0.08811230391815857,"num_words":27,"start":556.32,"end":572.725},{"sentences":[{"text":"Now dependents, I have here two children currently.","start":575.105,"end":579.90497,"sentiment":"neutral","sentiment_score":0.06073519168421626},{"text":"That's the case?","start":579.90497,"end":580.96497,"sentiment":"neutral","sentiment_score":0.061286588509877525},{"text":"Yep.","start":582.42,"end":582.89996,"sentiment":"neutral","sentiment_score":0.06773398816585541},{"text":"Perfect.","start":582.89996,"end":583.39996,"sentiment":"neutral","sentiment_score":0.18520806729793549},{"text":"And employment wise, obviously, still a truck driver?","start":584.81995,"end":587.87994,"sentiment":"neutral","sentiment_score":0.048227941850200295}],"sentiment":"neutral","sentiment_score":0.06230985186994076,"num_words":21,"start":575.105,"end":587.87994},{"sentences":[{"text":"Yep.","start":589.54,"end":590.04,"sentiment":"neutral","sentiment_score":0.022005334496498108},{"text":"Yep.","start":590.74,"end":591.24,"sentiment":"neutral","sentiment_score":0.19684797525405884},{"text":"Perfect.","start":591.45996,"end":591.95996,"sentiment":"positive","sentiment_score":0.7176973819732666},{"text":"I'm still enjoying it.","start":592.33997,"end":593.8,"sentiment":"positive","sentiment_score":0.7199249863624573},{"text":"Yeah.","start":599.115,"end":599.615,"sentiment":"neutral","sentiment_score":0.22893014550209043}],"sentiment":"positive","sentiment_score":0.5056475978344679,"num_words":8,"start":589.54,"end":599.615},{"sentences":[{"text":"Pays the bills.","start":599.675,"end":600.575,"sentiment":"neutral","sentiment_score":0.07363265318175156},{"text":"Have you been impacted a lot with, obviously, the fuel prices and everything recently?","start":603.59503,"end":608.735,"sentiment":"neutral","sentiment_score":-0.08574458477752549},{"text":"Yeah.","start":614.01,"end":614.51,"sentiment":"neutral","sentiment_score":-0.019898805767297745},{"text":"But you're still kind of obviously, it's still going okay with the business and everything?","start":615.45,"end":620.67004,"sentiment":"neutral","sentiment_score":0.08996037909140189},{"text":"Yeah.","start":621.785,"end":622.285,"sentiment":"neutral","sentiment_score":0.17013423144817352}],"sentiment":"neutral","sentiment_score":0.015297496609170647,"num_words":34,"start":599.675,"end":622.285},{"sentences":[{"text":"Oh, that's good.","start":623.14496,"end":624.345,"sentiment":"positive","sentiment_score":0.43483545382817584},{"text":"Because I do have quite a few clients who are truck drivers or garbage truck drivers, like, different type of truck drivers, long distance, short distance, and some people have been let go, and some are still kind of being hanging in there.","start":624.345,"end":639.29,"sentiment":"neutral","sentiment_score":0.05002022569262704},{"text":"Yeah.","start":641.43,"end":641.75,"sentiment":"neutral","sentiment_score":0.13175971806049347},{"text":"Oh, that's good that you're doing okay.","start":641.75,"end":643.69,"sentiment":"positive","sentiment_score":0.43509574021611896},{"text":"Now income wise, I have here last time you were paying yourself about a 100,000.","start":644.14996,"end":650.81,"sentiment":"neutral","sentiment_score":0.024748336896300314}],"sentiment":"neutral","sentiment_score":0.10150769593167132,"num_words":69,"start":623.14496,"end":650.81},{"sentences":[{"text":"Does that sound about right?","start":651.045,"end":652.505,"sentiment":"neutral","sentiment_score":0.016540449857711793},{"text":"Yep.","start":654.725,"end":655.225,"sentiment":"neutral","sentiment_score":0.026046782732009888},{"text":"Perfect.","start":655.605,"end":656.105,"sentiment":"neutral","sentiment_score":0.08263622969388962},{"text":"And at the moment, you're not making any contributions into super?","start":656.40497,"end":660.985,"sentiment":"neutral","sentiment_score":-0.05414765632965348},{"text":"No.","start":664.1,"end":664.6,"sentiment":"neutral","sentiment_score":-0.12912434339523315}],"sentiment":"neutral","sentiment_score":-0.02807175270036647,"num_words":19,"start":651.045,"end":664.6},{"sentences":[{"text":"Yeah.","start":666.26,"end":666.74,"sentiment":"neutral","sentiment_score":-0.07980218529701233},{"text":"No.","start":666.74,"end":667.06,"sentiment":"neutral","sentiment_score":-0.1310376226902008},{"text":"And and most people are the same right now as well, obviously, with, yeah, increasing fuel prices, increasing living costs.","start":667.06,"end":673.94,"sentiment":"neutral","sentiment_score":-0.11642979606986045},{"text":"It's one of those things that's on on pause at the moment.","start":673.94,"end":678.045,"sentiment":"neutral","sentiment_score":-0.09219812912245591},{"text":"That's all good.","start":680.425,"end":681.885,"sentiment":"neutral","sentiment_score":0.24215144415696463}],"sentiment":"neutral","sentiment_score":-0.07890159314548648,"num_words":37,"start":666.26,"end":681.885},{"sentences":[{"text":"Now are you guys saving much at the moment, or does most things kind of go to bills and expenses?","start":682.265,"end":687.645,"sentiment":"neutral","sentiment_score":-0.013687517959624529},{"text":"Yep.","start":690.76,"end":691.26,"sentiment":"neutral","sentiment_score":0.038056232035160065},{"text":"Asset wise, I have here your motor vehicle vied at about 50,000.","start":692.92,"end":698.7,"sentiment":"neutral","sentiment_score":0.01809692212070028},{"text":"Yep.","start":701.09503,"end":701.59503,"sentiment":"neutral","sentiment_score":0.035060230642557144},{"text":"And you don't have anything owing on that one, do you?","start":701.655,"end":704.155,"sentiment":"neutral","sentiment_score":0.011443643407388166}],"sentiment":"neutral","sentiment_score":0.003164649920331107,"num_words":45,"start":682.265,"end":704.155},{"sentences":[{"text":"No.","start":705.49506,"end":705.97504,"sentiment":"neutral","sentiment_score":0.017612235620617867},{"text":"Perfect.","start":705.97504,"end":706.47504,"sentiment":"neutral","sentiment_score":0.1414344161748886},{"text":"Also, savings about $70.","start":706.935,"end":709.91504,"sentiment":"neutral","sentiment_score":0.09329539351165295},{"text":"About that.","start":712.94995,"end":713.43,"sentiment":"neutral","sentiment_score":0.09982930123806},{"text":"Perfect.","start":713.43,"end":713.93,"sentiment":"neutral","sentiment_score":0.21176573634147644}],"sentiment":"neutral","sentiment_score":0.10485028496219052,"num_words":9,"start":705.49506,"end":713.93},{"sentences":[{"text":"And then also some physical silver, about 40.","start":713.99,"end":717.13,"sentiment":"neutral","sentiment_score":0.07005913695320487},{"text":"Yeah.","start":718.79,"end":719.29,"sentiment":"neutral","sentiment_score":0.1064014658331871},{"text":"Perfect.","start":719.67,"end":720.17,"sentiment":"neutral","sentiment_score":0.16176150739192963},{"text":"Now do you have any other new assets in the last twelve months we haven't kind of touched on?","start":720.23,"end":724.455,"sentiment":"neutral","sentiment_score":0.0019397976514148084},{"text":"No?","start":731.09503,"end":731.59503,"sentiment":"neutral","sentiment_score":-0.142456516623497}],"sentiment":"neutral","sentiment_score":0.024101190253471336,"num_words":30,"start":713.99,"end":731.59503},{"sentences":[{"text":"Okay.","start":734.215,"end":734.715,"sentiment":"neutral","sentiment_score":-0.013006024062633514},{"text":"And do you have any, like, other liabilities, like credit cards or personal loans or anything?","start":735.255,"end":741.52,"sentiment":"neutral","sentiment_score":-0.029421725776046515},{"text":"No.","start":742.94,"end":743.42004,"sentiment":"neutral","sentiment_score":-0.051604241132736206},{"text":"Great.","start":743.42004,"end":743.92004,"sentiment":"neutral","sentiment_score":0.059048719704151154},{"text":"And you've never been bankrupt or been under a part nine debt agreement?","start":744.14,"end":747.76,"sentiment":"neutral","sentiment_score":-0.005301637288469534}],"sentiment":"neutral","sentiment_score":-0.017038451333064586,"num_words":32,"start":734.215,"end":747.76},{"sentences":[{"text":"No.","start":749.34,"end":749.805,"sentiment":"neutral","sentiment_score":-0.009438907727599144},{"text":"Beautiful.","start":750.045,"end":750.545,"sentiment":"neutral","sentiment_score":0.010458230040967464},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker.","start":751.245,"end":755.985,"sentiment":"neutral","sentiment_score":0.04719390942213627},{"text":"Is that still the case?","start":756.285,"end":757.505,"sentiment":"neutral","sentiment_score":0.022633267939090727},{"text":"Yep.","start":759.005,"end":759.505,"sentiment":"neutral","sentiment_score":0.02786149829626083}],"sentiment":"neutral","sentiment_score":0.03597942775204068,"num_words":21,"start":749.34,"end":759.505},{"sentences":[{"text":"And have you had any changes to your health in the last twelve months?","start":759.645,"end":763.565,"sentiment":"neutral","sentiment_score":-0.02238788695207664},{"text":"Any significant health issues?","start":763.565,"end":765.185,"sentiment":"neutral","sentiment_score":-0.0790960630401969},{"text":"No.","start":765.41003,"end":765.91003,"sentiment":"neutral","sentiment_score":0.043793369084596634},{"text":"Beautiful.","start":766.09,"end":766.59,"sentiment":"positive","sentiment_score":0.4829391837120056},{"text":"That's what I like to hear.","start":766.77,"end":770.07,"sentiment":"positive","sentiment_score":0.475158154964447}],"sentiment":"neutral","sentiment_score":0.10568718511897784,"num_words":26,"start":759.645,"end":770.07},{"sentences":[{"text":"Good.","start":770.37,"end":770.85004,"sentiment":"positive","sentiment_score":0.4514860510826111},{"text":"And do you have private health insurance?","start":770.85004,"end":772.71,"sentiment":"neutral","sentiment_score":0.14341271136488234},{"text":"Yep.","start":775.97003,"end":776.45,"sentiment":"neutral","sentiment_score":0.09210404008626938},{"text":"Yep.","start":776.45,"end":776.93,"sentiment":"neutral","sentiment_score":0.11750154942274094},{"text":"Okay.","start":776.93,"end":777.33,"sentiment":"neutral","sentiment_score":0.253708153963089}],"sentiment":"neutral","sentiment_score":0.17442625219171698,"num_words":11,"start":770.37,"end":777.33},{"sentences":[{"text":"Perfect.","start":777.33,"end":777.83,"sentiment":"positive","sentiment_score":0.40695255994796753},{"text":"Now when it comes to estate planning, do you have a will or power of attorney in place?","start":778.655,"end":785.955,"sentiment":"neutral","sentiment_score":0.05794173561864429},{"text":"Yep.","start":791.47003,"end":791.97003,"sentiment":"neutral","sentiment_score":0.05672676861286163},{"text":"On the to do list.","start":792.43,"end":793.73,"sentiment":"neutral","sentiment_score":0.04486261978745461},{"text":"Yep.","start":795.15,"end":795.65,"sentiment":"neutral","sentiment_score":0.06555519998073578}],"sentiment":"neutral","sentiment_score":0.06909611033132443,"num_words":26,"start":777.33,"end":795.65},{"sentences":[{"text":"Now when it comes to, obviously, your superannuation and your insurances, Now at the moment, I don't actually have a nomination on file for you.","start":797.47003,"end":811.58496,"sentiment":"neutral","sentiment_score":-0.005442844554781914},{"text":"Do you remember receiving those in the post at all?","start":811.805,"end":815.90497,"sentiment":"neutral","sentiment_score":-0.03834646958857775},{"text":"No.","start":823.18,"end":823.68,"sentiment":"neutral","sentiment_score":-0.045685477554798126},{"text":"That's okay.","start":825.58,"end":826.48,"sentiment":"neutral","sentiment_score":0.06033562682569027},{"text":"So, basically, what the forms are and they do they are important because if something were to happen to you, it lets you nominate who you want to receive the benefits.","start":827.58,"end":836.765,"sentiment":"neutral","sentiment_score":0.15921897633421805}],"sentiment":"neutral","sentiment_score":0.06509040916959445,"num_words":69,"start":797.47003,"end":836.765},{"sentences":[{"text":"It streamlines, obviously, the estate process if something ever were to happen, but then also takes away, obviously, potential conflicts or anything like that with other people trying to to, you know, make a claim or anything.","start":837.305,"end":849.79004,"sentiment":"neutral","sentiment_score":0.09926871708720117},{"text":"So no.","start":850.73004,"end":858.49005,"sentiment":"neutral","sentiment_score":-0.021090621128678322},{"text":"I don't I can't see it here, and I'm in your hub 24 triple checking as well.","start":858.49005,"end":863.605,"sentiment":"neutral","sentiment_score":-0.06693183126695015},{"text":"Sorry.","start":863.985,"end":864.485,"sentiment":"neutral","sentiment_score":-0.07341694831848145},{"text":"Sometimes with us post if you did send it back.","start":865.025,"end":868.245,"sentiment":"neutral","sentiment_score":-0.03722085691988468}],"sentiment":"neutral","sentiment_score":0.030556636431546352,"num_words":67,"start":837.305,"end":868.245},{"sentences":[{"text":"You're not too too far away, though.","start":870.305,"end":872.065,"sentiment":"neutral","sentiment_score":-0.06663709612829345},{"text":"Sorry.","start":872.065,"end":872.305,"sentiment":"neutral","sentiment_score":-0.03397452086210251},{"text":"You should have got here.","start":872.305,"end":873.605,"sentiment":"neutral","sentiment_score":-0.009934206679463386},{"text":"Do you have access to a printer at all, Derek?","start":873.905,"end":876.165,"sentiment":"neutral","sentiment_score":0.013429875299334527},{"text":"Yeah?","start":877.85004,"end":878.33,"sentiment":"neutral","sentiment_score":0.0950043573975563}],"sentiment":"neutral","sentiment_score":-0.013366754865273833,"num_words":24,"start":870.305,"end":878.33},{"sentences":[{"text":"Because what I can do, just so you don't have to if you already have completed it once, just so you don't have to keep redoing it, is that I can get the team to email you the copies.","start":878.33,"end":888.67004,"sentiment":"neutral","sentiment_score":0.13709444533555937},{"text":"That way, you can just print them off when you have a moment, complete them, and then email them back.","start":889.185,"end":895.425,"sentiment":"neutral","sentiment_score":0.17226840555667877},{"text":"Then that way, we know for sure that we get them back.","start":895.425,"end":898.165,"sentiment":"neutral","sentiment_score":0.13642838597297668},{"text":"Yep.","start":899.265,"end":899.765,"sentiment":"neutral","sentiment_score":0.2181059569120407},{"text":"Perfect.","start":899.825,"end":900.325,"sentiment":"positive","sentiment_score":0.472179651260376}],"sentiment":"neutral","sentiment_score":0.15232161258997984,"num_words":73,"start":878.33,"end":900.325},{"sentences":[{"text":"And if you do, obviously, nominate, Melinda as she is your spouse, everything will be tax free to her as well, which is good.","start":900.78503,"end":910.04004,"sentiment":"positive","sentiment_score":0.3879179855187734},{"text":"Yep.","start":911.38,"end":911.88,"sentiment":"neutral","sentiment_score":0.1990015208721161},{"text":"Beautiful.","start":912.66003,"end":913.16003,"sentiment":"neutral","sentiment_score":0.24153374135494232},{"text":"Now I guess when it comes to kind of goals, stuff that you are working towards that you are wanting to achieve, Last time, it was focusing on the upcoming wedding, which you've obviously had, and then just kind of keep building up savings, maybe look at buying a house in the future.","start":913.54004,"end":932.235,"sentiment":"neutral","sentiment_score":0.09690000190628024},{"text":"Is that still kind of the main goals for you?","start":932.235,"end":935.195,"sentiment":"neutral","sentiment_score":0.1331414058804512}],"sentiment":"neutral","sentiment_score":0.1822211356687077,"num_words":89,"start":900.78503,"end":935.195},{"sentences":[{"text":"Yep.","start":935.195,"end":935.695,"sentiment":"neutral","sentiment_score":0.11495403945446014},{"text":"Yep.","start":936.72003,"end":937.12,"sentiment":"neutral","sentiment_score":0.137986958026886},{"text":"Okay.","start":937.12,"end":937.52,"sentiment":"positive","sentiment_score":0.3656789660453797},{"text":"Great.","start":937.52,"end":938.02,"sentiment":"positive","sentiment_score":0.6469250917434692},{"text":"Now when it comes to your superannuation as well, I'll do quickly just run through just a couple of multiple choice questions just to see if your risk tolerance has changed to how we invest your money.","start":938.48,"end":951.205,"sentiment":"neutral","sentiment_score":0.1556852377347044}],"sentiment":"neutral","sentiment_score":0.17136338662083556,"num_words":41,"start":935.195,"end":951.205},{"sentences":[{"text":"Now some of it can be a bit tricky, and it's all kind of hypothetical situations, which can be a little bit hard as well.","start":951.585,"end":958.40497,"sentiment":"neutral","sentiment_score":-0.035645072385668754},{"text":"But just kind of think of what you feel is the most appropriate for you.","start":959.265,"end":964.40497,"sentiment":"neutral","sentiment_score":0.12918733457724255},{"text":"And, obviously, knowing that superannuation is locked in until you meet that kind of condition of release.","start":964.73004,"end":971.85004,"sentiment":"neutral","sentiment_score":0.04331234086524038},{"text":"And at the moment, are you still kind of planning on working till '67?","start":971.85004,"end":977.37,"sentiment":"neutral","sentiment_score":0.033882204443216324},{"text":"Is that still kind of the plan?","start":977.37,"end":979.07,"sentiment":"neutral","sentiment_score":0.029532645962068012}],"sentiment":"neutral","sentiment_score":0.03159067163673731,"num_words":78,"start":951.585,"end":979.07},{"sentences":[{"text":"6065.","start":982.345,"end":983.865,"sentiment":"neutral","sentiment_score":0.05333826690912247},{"text":"Okay.","start":983.865,"end":984.345,"sentiment":"neutral","sentiment_score":0.18320268392562863},{"text":"Perfect.","start":984.345,"end":984.845,"sentiment":"positive","sentiment_score":0.3876369595527649},{"text":"Now just so you do know, with the current legislation, if you decide to retire and stop working, you can actually access all of your super tax rate at 60 if you stop working.","start":987.305,"end":999.04,"sentiment":"neutral","sentiment_score":0.11707474828204688},{"text":"Yep.","start":1001.25995,"end":1001.75995,"sentiment":"neutral","sentiment_score":0.07405699789524078}],"sentiment":"neutral","sentiment_score":0.12312569341769344,"num_words":38,"start":982.345,"end":1001.75995},{"sentences":[{"text":"Obviously, the the thing to be mindful of, if you do decide to stop at 60, take out everything, then, obviously, you wanna make sure that it lasts, obviously, through retirement, and then potential age pension wouldn't kick in till 67.","start":1001.98,"end":1018.13495,"sentiment":"neutral","sentiment_score":-0.0006298347569366054},{"text":"So that's obviously something to be mindful of.","start":1018.13495,"end":1020.45496,"sentiment":"neutral","sentiment_score":-0.00544813834130764},{"text":"But if you do decide that, no, you don't wanna work anymore, you can take it out at 60.","start":1020.45496,"end":1025.71,"sentiment":"neutral","sentiment_score":-0.07162007797313363},{"text":"Yeah.","start":1027.4501,"end":1027.9501,"sentiment":"neutral","sentiment_score":0.05596478655934334},{"text":"Alright.","start":1028.65,"end":1029.13,"sentiment":"neutral","sentiment_score":0.15088294446468353}],"sentiment":"neutral","sentiment_score":-0.017476315460433916,"num_words":70,"start":1001.98,"end":1029.13},{"sentences":[{"text":"Perfect.","start":1029.13,"end":1029.63,"sentiment":"neutral","sentiment_score":0.24902530014514923},{"text":"Now, Derek, have you ever bought direct shares or invested in the stock market yourself?","start":1029.77,"end":1034.91,"sentiment":"neutral","sentiment_score":0.04727458233634631},{"text":"Nope.","start":1037.945,"end":1038.445,"sentiment":"neutral","sentiment_score":-0.1401761770248413},{"text":"And when it comes to the the level of risk that you are comfortable with for your superannuation, would you say that at the moment, you are happy to accept very high risk to grow your super, just high risk yes?","start":1039.7849,"end":1057.8099,"sentiment":"neutral","sentiment_score":-0.04300041555813173},{"text":"Still the same?","start":1058.4299,"end":1059.15,"sentiment":"neutral","sentiment_score":-0.036016481618086495}],"sentiment":"neutral","sentiment_score":-0.017263911878232095,"num_words":61,"start":1029.13,"end":1059.15},{"sentences":[{"text":"Alright.","start":1059.15,"end":1059.65,"sentiment":"neutral","sentiment_score":0.03207957744598389},{"text":"Still all the same.","start":1060.4299,"end":1061.23,"sentiment":"neutral","sentiment_score":0.04578015115112066},{"text":"Okay.","start":1061.23,"end":1061.5499,"sentiment":"neutral","sentiment_score":0.04420698434114456},{"text":"Yeah.","start":1061.5499,"end":1061.7899,"sentiment":"neutral","sentiment_score":0.02239156886935234},{"text":"Because at the moment, we do have you invested in a growth portfolio, which essentially means that, you know, it is targeted for investors who are looking at getting as much growth out of their superannuation while you still have, you know, still point of time until we do retire.","start":1061.7899,"end":1079.645,"sentiment":"neutral","sentiment_score":0.13912323884665967}],"sentiment":"neutral","sentiment_score":0.12698176627357802,"num_words":57,"start":1059.15,"end":1079.645},{"sentences":[{"text":"Also, for people who do understand and are comfortable, but that short term, depending on, obviously, what's going on in the world and the market, there will be some level of fluctuation in order to, you know, long term get you that growth.","start":1081.2,"end":1095.7,"sentiment":"neutral","sentiment_score":0.05240184016699015},{"text":"And when it comes to how your money is actually invested, we typically see 90% invested in those growth investments, which is a combination of your Australian shares, your international shares, and property as well.","start":1096.765,"end":1112.74,"sentiment":"neutral","sentiment_score":0.20357097940785543},{"text":"And that is basically what's going to give you that growth.","start":1112.88,"end":1115.78,"sentiment":"neutral","sentiment_score":0.28254221650687134},{"text":"But then we still have about 10% in defensive, like your cash, your fixed interest, bit of gold as well to try not limit fluctuations.","start":1115.92,"end":1124.945,"sentiment":"neutral","sentiment_score":0.09867518901824951},{"text":"So are you still kind of comfortable to maintain that level of risk there, Derek?","start":1125.725,"end":1130.065,"sentiment":"neutral","sentiment_score":0.007522693773110708}],"sentiment":"neutral","sentiment_score":0.11679029395413953,"num_words":129,"start":1081.2,"end":1130.065},{"sentences":[{"text":"Yep.","start":1131.325,"end":1131.825,"sentiment":"positive","sentiment_score":0.38182997703552246},{"text":"Beautiful.","start":1131.885,"end":1132.385,"sentiment":"positive","sentiment_score":0.7068352103233337},{"text":"And, also, from a time frame point of view, what we consider is making sure that you have enough time in the market for those fluctuations.","start":1132.6849,"end":1139.6,"sentiment":"neutral","sentiment_score":0.26447200775146484},{"text":"And in a high growth portfolio, typically, we'd like to see about eight years or so until retirement, which you do have behind you.","start":1140.46,"end":1148.805,"sentiment":"neutral","sentiment_score":0.2063750894740224},{"text":"So from a time frame point of view, it's still very suitable for you.","start":1148.805,"end":1152.985,"sentiment":"neutral","sentiment_score":0.2956163574542318}],"sentiment":"neutral","sentiment_score":0.25843285667625343,"num_words":66,"start":1131.325,"end":1152.985},{"sentences":[{"text":"Yeah.","start":1154.085,"end":1154.485,"sentiment":"neutral","sentiment_score":0.19463293254375455},{"text":"Alright.","start":1154.485,"end":1154.885,"sentiment":"neutral","sentiment_score":0.3022354543209076},{"text":"Perfect.","start":1154.885,"end":1155.385,"sentiment":"positive","sentiment_score":0.481842577457428},{"text":"Now because I know you are driving, I won't get you to access your emails because it would not be safe to do so.","start":1155.685,"end":1161.945,"sentiment":"neutral","sentiment_score":0.033527432268480574},{"text":"But what I have done is I have sent you an email similar to last time just with some documents to kind of run through with you.","start":1162.23,"end":1171.21,"sentiment":"neutral","sentiment_score":0.1496930111337591}],"sentiment":"neutral","sentiment_score":0.10787186369216889,"num_words":54,"start":1154.085,"end":1171.21},{"sentences":[{"text":"Now, obviously, later when it's safe for you to do so and when you have a moment, just have a look through the documents.","start":1171.59,"end":1178.4651,"sentiment":"neutral","sentiment_score":0.21442507145305476},{"text":"And if you then have any questions, just let me know.","start":1178.605,"end":1181.505,"sentiment":"neutral","sentiment_score":0.18211030147292398},{"text":"Yep.","start":1182.925,"end":1183.425,"sentiment":"neutral","sentiment_score":0.28792235255241394},{"text":"Perfect.","start":1183.885,"end":1184.385,"sentiment":"positive","sentiment_score":0.5488504767417908},{"text":"Now what you will see in the document is a a couple of documents.","start":1184.525,"end":1189.0851,"sentiment":"neutral","sentiment_score":0.20371498806135996}],"sentiment":"neutral","sentiment_score":0.2125136802593867,"num_words":51,"start":1171.59,"end":1189.0851},{"sentences":[{"text":"The first one is a super and insurance summary.","start":1189.0851,"end":1192.26,"sentiment":"neutral","sentiment_score":0.197558441095882},{"text":"Now it shows you as well that you have your superannuation with hub twenty four.","start":1192.88,"end":1198.1,"sentiment":"neutral","sentiment_score":0.22948225000873207},{"text":"Now last time we did your annual review, your super balance was at a 124,865.","start":1198.7999,"end":1203.2589,"sentiment":"neutral","sentiment_score":0.05398321797450383},{"text":"And at the moment, it's up at a 100 and 142,100.","start":1203.2589,"end":1213.235,"sentiment":"neutral","sentiment_score":0.035066126930442726},{"text":"Now, obviously, we've already touched on you do have insurance with MetLife, MetLife, and TPD.","start":1215.9349,"end":1221.5549,"sentiment":"neutral","sentiment_score":0.08321151783068975}],"sentiment":"neutral","sentiment_score":0.11790627928164144,"num_words":65,"start":1189.0851,"end":1221.5549},{"sentences":[{"text":"At the moment, you are covered for 630,000.","start":1222.1599,"end":1225.7,"sentiment":"neutral","sentiment_score":0.10642357170581818},{"text":"You also have that income protection, which will pay you a monthly amount of 2,398.","start":1226.7999,"end":1234.515,"sentiment":"neutral","sentiment_score":0.16833494106928507},{"text":"You have that shortest thirty day waiting period, and the benefit will last for five years.","start":1235.3151,"end":1241.095,"sentiment":"neutral","sentiment_score":0.18214418645948172},{"text":"Because it's paid from within that super environment, you do get that 15% tax rebate.","start":1242.755,"end":1248.375,"sentiment":"neutral","sentiment_score":0.17685562272866567},{"text":"But the total premium for all three is 2,781.","start":1248.83,"end":1253.89,"sentiment":"neutral","sentiment_score":0.0634884453482098}],"sentiment":"neutral","sentiment_score":0.15103095273176828,"num_words":63,"start":1222.1599,"end":1253.89},{"sentences":[{"text":"Now do you have any questions in regards to your insurances?","start":1254.43,"end":1257.01,"sentiment":"neutral","sentiment_score":0.03609343025494705},{"text":"Are you still happy with, like, the level of cover for now?","start":1257.07,"end":1260.05,"sentiment":"neutral","sentiment_score":0.025559113981823128},{"text":"Yep.","start":1261.5651,"end":1261.885,"sentiment":"neutral","sentiment_score":0.12846457958221436},{"text":"Yep.","start":1261.885,"end":1262.385,"sentiment":"neutral","sentiment_score":0.27051472663879395},{"text":"Perfect.","start":1262.525,"end":1263.025,"sentiment":"positive","sentiment_score":0.6093301773071289}],"sentiment":"neutral","sentiment_score":0.06584794554286279,"num_words":26,"start":1254.43,"end":1263.025},{"sentences":[{"text":"Now the next document then shows you your kind of performance with your investments.","start":1263.885,"end":1269.745,"sentiment":"neutral","sentiment_score":0.24250581009047373},{"text":"It shows you in the last twelve months how each investments have performed and how much you actually have invested in each option.","start":1270.685,"end":1280.88,"sentiment":"neutral","sentiment_score":0.13818595202072806},{"text":"So kind of like I touched on a little bit earlier, the last twelve months, we have seen, obviously, a bit of turbulence in the market.","start":1281.34,"end":1288.22,"sentiment":"neutral","sentiment_score":-0.10919018061115192},{"text":"I'm sure you've heard on the news.","start":1288.22,"end":1289.84,"sentiment":"neutral","sentiment_score":-0.12007517580475126},{"text":"Obviously, with the war, did see a bit of fluctuation and also everything going on in The US with, obviously, Trump and tariffs and everything did see a bit of fluctuations in the last twelve months.","start":1290.425,"end":1301.485,"sentiment":"neutral","sentiment_score":-0.15656042554312283}],"sentiment":"neutral","sentiment_score":-0.025870641588040116,"num_words":106,"start":1263.885,"end":1301.485},{"sentences":[{"text":"So, obviously, being in a high growth portfolio, we can see a bit more fluctuations when do things do happen to the market.","start":1302.2,"end":1309.34,"sentiment":"neutral","sentiment_score":-0.0415541654371697},{"text":"The good thing is that your portfolio has still done pretty good considering the market fluctuations.","start":1310.04,"end":1315.58,"sentiment":"positive","sentiment_score":0.484694080427289},{"text":"So in the last twelve months, after fees, your portfolio has still gone up by 6.78%, which we are quite happy with given the market conditions and that you are in that high growth portfolio.","start":1316.745,"end":1331.165,"sentiment":"positive","sentiment_score":0.4293536514043808},{"text":"Now with your investment story, there is one that I would like to look at changing for you.","start":1333.7,"end":1339.22,"sentiment":"neutral","sentiment_score":0.096022786365615},{"text":"So when you have a look at it, you will see that most of your investments have done really well.","start":1339.22,"end":1345.7999,"sentiment":"neutral","sentiment_score":0.24014372304081916}],"sentiment":"neutral","sentiment_score":0.25319662407439736,"num_words":112,"start":1302.2,"end":1345.7999},{"sentences":[{"text":"There is two that is down at the moment.","start":1346.1799,"end":1350.0549,"sentiment":"neutral","sentiment_score":-0.12598867300483915},{"text":"One is just slightly down, and that is your property investments.","start":1350.6749,"end":1354.0549,"sentiment":"neutral","sentiment_score":-0.09410036490722136},{"text":"Obviously, the property market have been a little bit fluctuating as well.","start":1354.195,"end":1358.5349,"sentiment":"neutral","sentiment_score":-0.11302558549990256},{"text":"Not too concerned about it.","start":1358.9149,"end":1360.355,"sentiment":"neutral","sentiment_score":-0.17037380635738372},{"text":"It's just kind of down by about 1%.","start":1360.355,"end":1362.51,"sentiment":"negative","sentiment_score":-0.38499385118484497}],"sentiment":"neutral","sentiment_score":-0.16571397640638882,"num_words":45,"start":1346.1799,"end":1362.51},{"sentences":[{"text":"So so not too bad.","start":1362.59,"end":1363.97,"sentiment":"neutral","sentiment_score":-0.018155588209629057},{"text":"The other one that is down is the one that I wanna look at changing for you.","start":1364.67,"end":1369.0701,"sentiment":"neutral","sentiment_score":0.008053490344215842},{"text":"So, obviously, with your investment, the good thing with hub twenty four is that there is hundreds of different options for us to choose from, which means that we want to obviously be proactive with your investments because things are always changing.","start":1369.0701,"end":1382.925,"sentiment":"positive","sentiment_score":0.4036813373012202},{"text":"The markets are always changing.","start":1382.925,"end":1384.4651,"sentiment":"neutral","sentiment_score":0.12854463160037993},{"text":"Investments are always changing.","start":1384.525,"end":1386.2251,"sentiment":"neutral","sentiment_score":0.18569671362638474}],"sentiment":"neutral","sentiment_score":0.2518665421090714,"num_words":73,"start":1362.59,"end":1386.2251},{"sentences":[{"text":"So we wanna make sure we do stay proactive with your investments.","start":1386.685,"end":1389.905,"sentiment":"positive","sentiment_score":0.36933302879333496},{"text":"And if we do foresee one investment underperforming a little bit and we don't think it's gonna come back around as as quickly or being the best option for you moving forward, we do wanna look at, obviously, changing things for you.","start":1390.045,"end":1404.04,"sentiment":"neutral","sentiment_score":0.08546764169642258},{"text":"So the investment committee have done a lot of research on this one particular investment, which is called your Benelong Australian equity.","start":1404.5,"end":1412.805,"sentiment":"neutral","sentiment_score":0.11514710838144476},{"text":"So how that one work, Derek, is that they are actively buying and selling different investments in order to try to outperform the market.","start":1413.5851,"end":1418.9551,"sentiment":"neutral","sentiment_score":0.07731840743993719},{"text":"They They have been very successful in doing so, but more recently, they have been a little bit slower in making those decisions.","start":1418.9551,"end":1430.54,"sentiment":"neutral","sentiment_score":-0.15881387889385223}],"sentiment":"neutral","sentiment_score":0.07120159548911743,"num_words":123,"start":1386.685,"end":1430.54},{"sentences":[{"text":"And one kind of contributing factor to why they are underperforming a bit at the moment is that one of the companies that they had in their portfolio is called the Corporate Travel Group.","start":1431.24,"end":1443.4551,"sentiment":"neutral","sentiment_score":-0.1724497695617816},{"text":"I'm not sure if you've heard of them.","start":1443.4551,"end":1445.31,"sentiment":"neutral","sentiment_score":-0.08009370462968946},{"text":"No.","start":1446.91,"end":1447.39,"sentiment":"neutral","sentiment_score":-0.1807637065649033},{"text":"So, essentially, they had that company had a bit of issues with that reporting, which actually meant that they were basically put on freeze.","start":1447.39,"end":1455.5701,"sentiment":"neutral","sentiment_score":-0.28626088115076226},{"text":"So you couldn't buy or sell anything.","start":1455.7101,"end":1457.55,"sentiment":"neutral","sentiment_score":-0.2558854158435549}],"sentiment":"neutral","sentiment_score":-0.2073819536111645,"num_words":74,"start":1431.24,"end":1457.55},{"sentences":[{"text":"They were just while they were getting their kind of books investigated.","start":1457.55,"end":1460.6101,"sentiment":"neutral","sentiment_score":-0.21956102550029755},{"text":"So because of that, obviously, it did see the share prices drop a little bit.","start":1461.495,"end":1465.515,"sentiment":"neutral","sentiment_score":-0.29754838943481443},{"text":"The good thing is that you are not invested directly in that.","start":1465.8151,"end":1468.695,"sentiment":"neutral","sentiment_score":0.28964686890443164},{"text":"You are just invested in Benelung, and we can get you out of Benelung and move you to something else, which is good.","start":1468.695,"end":1474.9099,"sentiment":"neutral","sentiment_score":0.3259928310694902},{"text":"So that is the investment.","start":1475.13,"end":1476.4099,"sentiment":"positive","sentiment_score":0.34870023727416993}],"sentiment":"neutral","sentiment_score":0.08386776985517189,"num_words":67,"start":1457.55,"end":1476.4099},{"sentences":[{"text":"If you are happy for us to do so, that we would like to just look at changing.","start":1476.4099,"end":1480.35,"sentiment":"positive","sentiment_score":0.3998333199156655},{"text":"Now yeah.","start":1481.13,"end":1482.6499,"sentiment":"neutral","sentiment_score":0.2975810840725899},{"text":"Perfect.","start":1482.6499,"end":1483.13,"sentiment":"neutral","sentiment_score":0.017950452864170074},{"text":"Now what we are looking at changing because, obviously, if we do remove one Australian investment, we still wanna make sure that you do have exposure to the Australian market.","start":1483.13,"end":1492.335,"sentiment":"neutral","sentiment_score":0.036581153670946755},{"text":"Just another option that's doing a little bit better, a little bit cheaper, and performing a little bit better for you.","start":1492.335,"end":1497.9349,"sentiment":"neutral","sentiment_score":0.22015890124298276}],"sentiment":"neutral","sentiment_score":0.18792894327392182,"num_words":72,"start":1476.4099,"end":1497.9349},{"sentences":[{"text":"So what we have found is one that's called your BetaShares Australia two hundred.","start":1497.9349,"end":1502.995,"sentiment":"neutral","sentiment_score":0.1657733299902507},{"text":"It is a little bit more simplified in that, basically, it just invests in the 200 largest companies listed in Australia.","start":1503.71,"end":1511.33,"sentiment":"neutral","sentiment_score":0.14776312666279928},{"text":"So you'll have all the big banks, Woolworths, BHP, stuff like that.","start":1511.71,"end":1516.43,"sentiment":"neutral","sentiment_score":0.1990472711622715},{"text":"They're very diversified.","start":1516.43,"end":1517.65,"sentiment":"neutral","sentiment_score":0.27999040484428406},{"text":"You don't have, like, heaps of money in one company.","start":1517.87,"end":1520.465,"sentiment":"neutral","sentiment_score":0.08830502517521381}],"sentiment":"neutral","sentiment_score":0.15892401666690906,"num_words":60,"start":1497.9349,"end":1520.465},{"sentences":[{"text":"It is across 200 companies.","start":1520.465,"end":1522.325,"sentiment":"neutral","sentiment_score":0.07460876852273941},{"text":"So, obviously, it will be a little bit kind of smoother than that Benelon investment.","start":1522.7849,"end":1526.4049,"sentiment":"neutral","sentiment_score":0.18682228724161784},{"text":"Because you don't have that same kind of active and buying, it is a bit cheaper, which is good.","start":1527.2649,"end":1533.27,"sentiment":"neutral","sentiment_score":0.2772035120349181},{"text":"So so, yes, if you're happy for us to do so, we would like to look at just doing a straight swap over for Ben along through $8,200, if you are comfortable with that.","start":1533.35,"end":1543.85,"sentiment":"neutral","sentiment_score":0.2588093307088403},{"text":"Yep.","start":1545.1901,"end":1545.51,"sentiment":"neutral","sentiment_score":0.16261552274227142}],"sentiment":"neutral","sentiment_score":0.23519429252357096,"num_words":74,"start":1520.465,"end":1545.51},{"sentences":[{"text":"Yep.","start":1545.51,"end":1545.91,"sentiment":"neutral","sentiment_score":0.2355825901031494},{"text":"Beautiful.","start":1545.91,"end":1546.41,"sentiment":"positive","sentiment_score":0.5120868682861328},{"text":"Now what I will do just for your records is that I will get something that's called a record of advice drawn up and emailed to you.","start":1547.005,"end":1555.905,"sentiment":"neutral","sentiment_score":0.18796611798030358},{"text":"You don't have to sign it or anything like that, but it just basically lets you know that we have done this one investment switch for you just so that you have the record as well.","start":1556.0449,"end":1567.15,"sentiment":"neutral","sentiment_score":0.24873706118928063},{"text":"Any questions in regards to any of that?","start":1567.37,"end":1569.63,"sentiment":"neutral","sentiment_score":0.04528066702187061}],"sentiment":"neutral","sentiment_score":0.20739087921707597,"num_words":73,"start":1545.51,"end":1569.63},{"sentences":[{"text":"No.","start":1571.785,"end":1571.865,"sentiment":"neutral","sentiment_score":0.057304661720991135},{"text":"Yep.","start":1571.865,"end":1572.265,"sentiment":"neutral","sentiment_score":0.21161192655563352},{"text":"Beautiful.","start":1572.265,"end":1572.765,"sentiment":"positive","sentiment_score":0.3944874703884125},{"text":"Now the other documents you will see is another Vanguard index chart.","start":1573.0651,"end":1577.145,"sentiment":"neutral","sentiment_score":0.15546431268254915},{"text":"You probably saw this last year.","start":1577.145,"end":1579.0851,"sentiment":"neutral","sentiment_score":0.12292700260877609}],"sentiment":"neutral","sentiment_score":0.15554942030991828,"num_words":21,"start":1571.785,"end":1579.0851},{"sentences":[{"text":"It is one that we like to include.","start":1579.305,"end":1581.0651,"sentiment":"neutral","sentiment_score":0.17794732376933098},{"text":"They do update it every single year, which is good to kind of reflect the market fluctuation.","start":1581.0651,"end":1585.725,"sentiment":"neutral","sentiment_score":0.2722503043272916},{"text":"Basically, when you have a look at it, you will see market always goes up.","start":1586.85,"end":1590.39,"sentiment":"neutral","sentiment_score":0.13601077248652776},{"text":"The short term, depending on what is happening in the world, you will have those ups and downs and market fluctuations.","start":1590.45,"end":1595.83,"sentiment":"neutral","sentiment_score":0.06315710785843077},{"text":"Yep.","start":1597.17,"end":1597.67,"sentiment":"neutral","sentiment_score":0.1058945655822754}],"sentiment":"neutral","sentiment_score":0.1536159545423523,"num_words":62,"start":1579.305,"end":1597.67},{"sentences":[{"text":"You will also have just another copy of that financial services guide again.","start":1597.97,"end":1602.675,"sentiment":"neutral","sentiment_score":0.11614367652397889},{"text":"Now nothing has really changed.","start":1602.735,"end":1604.675,"sentiment":"neutral","sentiment_score":-0.08925395607948303},{"text":"All the important information is still in there for you.","start":1604.735,"end":1607.715,"sentiment":"positive","sentiment_score":0.36188664734363557},{"text":"We've had an update to marketing, which is great, and a bit of an extension to the team.","start":1608.015,"end":1612.655,"sentiment":"positive","sentiment_score":0.7109991245799594},{"text":"So if you do have a read through it, you will see the directors and all the advices.","start":1612.655,"end":1616.77,"sentiment":"positive","sentiment_score":0.3518573608663347}],"sentiment":"positive","sentiment_score":0.3720918941544369,"num_words":64,"start":1597.97,"end":1616.77},{"sentences":[{"text":"You will see myself on page 10 as well if you do wanna put a face to the boys.","start":1617.3099,"end":1621.89,"sentiment":"neutral","sentiment_score":0.2861438173996775},{"text":"Now the now there there are two documents that it will ask you to sign if you are happy to do so.","start":1624.27,"end":1630.185,"sentiment":"neutral","sentiment_score":0.12364153360778635},{"text":"Now one is a tax file number opt in form.","start":1630.505,"end":1634.3651,"sentiment":"neutral","sentiment_score":0.13494718596339225},{"text":"It is basically just a compliance form to say that we are keeping your tax file number secure and safe on file.","start":1634.7451,"end":1642.045,"sentiment":"neutral","sentiment_score":0.2327431711283597},{"text":"The other one, it is just your ongoing service agreement.","start":1643.7999,"end":1648.1399,"sentiment":"neutral","sentiment_score":0.13205706104636192}],"sentiment":"neutral","sentiment_score":0.19213540367333284,"num_words":83,"start":1617.3099,"end":1648.1399},{"sentences":[{"text":"The same as per last year, it is just a form to say that you are happy to stay on as a client.","start":1648.44,"end":1654.86,"sentiment":"positive","sentiment_score":0.3604526616956877},{"text":"Now we have had no changes in regards to the fee structure, which is good.","start":1655.6151,"end":1659.9551,"sentiment":"positive","sentiment_score":0.37414167523384095},{"text":"So that stays exactly the same at that 1.65 from super.","start":1660.0951,"end":1664.8151,"sentiment":"positive","sentiment_score":0.4297536584463986},{"text":"So it hasn't changed at all, which is good.","start":1664.8151,"end":1667.395,"sentiment":"positive","sentiment_score":0.5025497542487251},{"text":"And it is not a lock in contract.","start":1667.5901,"end":1669.53,"sentiment":"neutral","sentiment_score":0.08815605659037828}],"sentiment":"positive","sentiment_score":0.36148519441485405,"num_words":66,"start":1648.44,"end":1669.53},{"sentences":[{"text":"So if at any point in time, you are not happy, it is not a lock in contract.","start":1669.5901,"end":1674.01,"sentiment":"neutral","sentiment_score":0.03938841592106554},{"text":"It just gets deducted on a monthly basis for you to give you that flexibility.","start":1674.39,"end":1678.81,"sentiment":"neutral","sentiment_score":0.20075850437084833},{"text":"But by signing that document, it essentially allows us to manage all your investments and insurances and everything for you in the meantime.","start":1680.315,"end":1687.455,"sentiment":"neutral","sentiment_score":0.29335549020248913},{"text":"Does that make sense?","start":1687.6749,"end":1688.735,"sentiment":"neutral","sentiment_score":0.12823165580630302},{"text":"Yeah.","start":1689.9149,"end":1690.315,"sentiment":"neutral","sentiment_score":0.2568228244781494}],"sentiment":"neutral","sentiment_score":0.18421794712299205,"num_words":61,"start":1669.5901,"end":1690.315},{"sentences":[{"text":"Perfect.","start":1690.315,"end":1690.815,"sentiment":"positive","sentiment_score":0.4775005280971527},{"text":"And that was essentially all the the documents and everything that I needed to run through there with you, Derek.","start":1691.275,"end":1697.41,"sentiment":"neutral","sentiment_score":0.24791962131857873},{"text":"Do you have any questions for me while you got me on the 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Derek.","start":1739.7069,"end":1740.5269,"sentiment":"positive","sentiment_score":0.5871334075927734},{"text":"Bye.","start":1741.2269,"end":1741.7269,"sentiment":"neutral","sentiment_score":0.2129411548376083}],"sentiment":"positive","sentiment_score":0.7284025129946795,"num_words":22,"start":1733.5469,"end":1741.7269}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. It is. Yeah. Yeah. Not too bad. Thanks. Yeah. I'm just yeah. Just give me sort of a couple of minutes. I'm just loading the truck here, and I'll be with you. So I'll just have to listen to the two o for a minute, but then I'll be with you. Yeah. If you wanna just hold there for a bit. Got it. Thank you. Yeah. Sorry about that. Thank you. I'm good to go. Hello? Yeah. Yeah. Yeah. Yeah. Pretty much. I was just my wife was speaking to me. The insurance sort of money insurance that he goes to 66. Is that correct? Or Or The insure hang on. The insurance is only until I his age is 60 six. He what? Yep. Alright. Oh, I can't remember what was in the policy, what she said, but she said it's only insured for the 56, which yeah. I don't know. That'd be the the details in it. Yeah. Good luck. Yeah. Alright. Yep. And what was that one? Oh, right. Yep. Yeah. Yeah. Yeah. Yep. So you don't sort of renew it after that, after 65, or you're we supposed to go after that? Yeah. Yeah. Yeah. Yeah. It did. Yeah. Yep. Thank you. Yeah. Yep. Yeah. That's correct. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Please keep it a watch day. Yep. Good. Yeah. I think they'll do it better than yep. Yes. Yep. Alright. Alright. You got that. Yes. Yeah. Yeah. Yeah. That's correct. We thought yeah. Not really at the moment. No. We just sort of pretty much taken along what we've got here. Nothing. We haven't got that yet that far with the will. So yeah. Yeah. Yeah. I do. Yeah. Yep. Yep. Yep. Yes. Yes. Yep. Yeah. Oh, okay. Yep. Yeah. Okay. Yeah. No. I haven't. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yeah. Yeah. Yep. Yeah. No. Mhmm. Yeah. That's fine. Yep. Yes. Yeah. Definitely. Yep. Yep. Mhmm. No. It's taking good time. Yeah. Okay. Yeah. Yep. Yep. No. I haven't. I've just got it probably running here now, so I've just got to unload. So, you know, that sounds all pretty good. So yeah. Good timing. Yeah. Yeah. No. That's spot on. Yep. Yeah. I'll have a look at them, tomorrow, something like that. Yeah. Yep. Sounds right. Thank you. Thank you. You too. Good on you. Bye. 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Yeah. It is. Yeah. Yeah.\n\nNot too bad. Thanks. Yeah. I'm just yeah. Just give me sort of a couple of minutes.\n\nI'm just loading the truck here, and I'll be with you. So I'll just have to listen to the two o for a minute, but then I'll be with you. Yeah. If you wanna just hold there for a bit. Got it.\n\nThank you. Yeah. Sorry about that. Thank you. I'm good to go.\n\nHello? Yeah. Yeah. Yeah. Yeah.\n\nPretty much. I was just my wife was speaking to me. The insurance sort of money insurance that he goes to 66. Is that correct? Or Or The insure hang on.\n\nThe insurance is only until I his age is 60 six. He what? Yep. Alright. Oh, I can't remember what was in the policy, what she said, but she said it's only insured for the 56, which yeah.\n\nI don't know. That'd be the the details in it. Yeah. Good luck. Yeah.\n\nAlright. Yep. And what was that one? Oh, right. Yep.\n\nYeah. Yeah. Yeah. Yep. So you don't sort of renew it after that, after 65, or you're we supposed to go after that?\n\nYeah. Yeah. Yeah. Yeah. It did.\n\nYeah. Yep. Thank you. Yeah. Yep.\n\nYeah. That's correct. Yeah. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nPlease keep it a watch day. Yep. Good. Yeah. I think they'll do it better than yep.\n\nYes. Yep. Alright. Alright. You got that.\n\nYes. Yeah. Yeah. Yeah. That's correct.\n\nWe thought yeah. Not really at the moment. No. We just sort of pretty much taken along what we've got here. Nothing.\n\nWe haven't got that yet that far with the will. So yeah. Yeah. Yeah. I do.\n\nYeah. Yep. Yep. Yep. Yes.\n\nYes. Yep. Yeah. Oh, okay. Yep.\n\nYeah. Okay. Yeah. No. I haven't.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yep. Yeah. Yeah. Yep.\n\nYeah. No. Mhmm. Yeah. That's fine.\n\nYep. Yes. Yeah. Definitely. Yep.\n\nYep. Mhmm. No. It's taking good time. Yeah.\n\nOkay. Yeah. Yep. Yep. No.\n\nI haven't. I've just got it probably running here now, so I've just got to unload. So, you know, that sounds all pretty good. So yeah. Good timing.\n\nYeah. Yeah. No. That's spot on. Yep.\n\nYeah. I'll have a look at them, tomorrow, something like that. Yeah. Yep. Sounds right.\n\nThank you. Thank you. You too. Good on you. 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Is this Derek?\n\nChannel 1: Yeah. It is. Yeah.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: Yeah. Not too bad. Thanks.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. I'm just yeah. Just give me sort of a couple of minutes. I'm just loading the truck here, and I'll be with you. So I'll just have\n\nChannel 0: Yeah.\n\nChannel 1: to listen\n\nChannel 0: Sure.\n\nChannel 1: to the two o for a minute, but then I'll be with you. Yeah. If you wanna just hold there for a\n\nChannel 0: Yeah. No worries. Take your time.\n\nChannel 1: bit. Got it. Thank you. Yeah. Sorry about that.\n\nThank you. I'm good to go. Hello?\n\nChannel 0: Oh, yep. You can hear me?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yes. No no worries, Derek. Now before I do kind of jump into things, I do like to start by asking if there is anything specific that 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's at?\n\nChannel 1: Yeah. Pretty much. I was just my wife was speaking to me. The insurance sort of money insurance that he goes to 66. Is that correct?\n\nOr\n\nChannel 0: Her her what? Sorry.\n\nChannel 1: Or The insure hang\n\nChannel 0: Yes.\n\nChannel 1: on. The insurance is only\n\nChannel 0: It is\n\nChannel 1: until\n\nChannel 0: dependent\n\nChannel 1: I\n\nChannel 0: on each insurer\n\nChannel 1: his\n\nChannel 0: and which\n\nChannel 1: age\n\nChannel 0: type of\n\nChannel 1: is\n\nChannel 0: insurer you\n\nChannel 1: 60\n\nChannel 0: are talking\n\nChannel 1: six.\n\nChannel 0: about.\n\nChannel 1: He what?\n\nChannel 0: It is dependent. So each insurer do have slightly different rules, but it also\n\nChannel 1: Yep.\n\nChannel 0: depends on if you are talking about life insurance, TPD insurance, or income protection insurance because that, again, is all different depending on which one you have.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. So let me see if I can quickly find for you what that would be. Do you know which one she's with at all?\n\nChannel 1: Oh, I can't remember what was in the policy, what she said, but she said it's only insured for the 56, which yeah. I don't know. That'd be the the details in it.\n\nChannel 0: Yeah. Now let me see because I do have it here. Let me see because, yeah, it is each insurer do it slightly differently. And then, yeah, also, it depends on sorry. Life insurance tend to go for the longest, PPD slightly shorter, and then income protection slightly shorter again.\n\nSo let\n\nChannel 1: Yeah.\n\nChannel 0: me see if I can find for you.\n\nChannel 1: Good\n\nChannel 0: Okay. So you are with MetLife. You have it\n\nChannel 1: luck. Yeah.\n\nChannel 0: inside super. So for you, your life insurance will be 75.\n\nChannel 1: Alright. Yep.\n\nChannel 0: Your TPD insurance will also be 75, and\n\nChannel 1: And what was that one?\n\nChannel 0: tape so total permanent disability insurance.\n\nChannel 1: Oh, right. Yep.\n\nChannel 0: Yep. So that is 75, and then income protection is 65. Yes. Do you have any questions in regards to that? Yeah.\n\nYeah. And just get hard to check as well. So, obviously, because income protection is obviously designed to cover your income if you are temporarily unable to work. The reason\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: why most of them do kind of stop around 65, and that is pretty consistent across all retail insurers, is because most\n\nChannel 1: Yeah. Yep.\n\nChannel 0: people at 65 are either retired or working reduced hours, and you can draw an income from your superannuation as well. So that is why they do it, but then also, obviously, their job is to assess risk. Right? So the older you get, the higher probability of of that as well. Yes.\n\nBut your life and TPD will be 75. Yes. 65. Yes. So that is when it stops, but you can obviously cancel it earlier if you wanted to.\n\nBut that is that is essentially when it ceases.\n\nChannel 1: So you don't sort of renew it after that, after 65, or you're we supposed to go after that?\n\nChannel 0: Yeah. So after 65, there is no insurer that would offer income protection. They would just say due to age, they won't offer it. So it will kind of expire. Yeah.\n\nYep. So if it is where you do wanna look at some cover, it is different, though.\n\nChannel 1: Yeah.\n\nChannel 0: It's like where your trauma insurance. If after 65, you feel like, oh, like, you're you wanna have a different kind of insurance, it would then be trauma. It is different, though, so it's not designed to cover your loss of income, but it\n\nChannel 1: Yeah.\n\nChannel 0: is a policy that it will pay you out a lump sum if you suffer, like, a traumatic event, like cancer, stroke, heart attack, neurological condition. So it is still a good policy. They tend to go between more so up to $70.75. There is one provider that goes up to 80 if that's you know? So if you do get close to obviously $2.65 and you are worried about, obviously, that income protection ceasing and you're still working, then we\n\nChannel 1: Yeah.\n\nChannel 0: can look at other ways to kind of support you with some form of insurance or different kind of, I guess, investments for that purpose. Yep. Does that answer that question? Yep. Yep.\n\nPerfect. But get her to check as well who her insurer is and then if she was referring to that income protection or not because, yeah, it is slightly different for each provider. Yep. Yeah. Perfect.\n\nNow what I will do with you first, Derek, is just to kind of go through just a bit of an updated fact find 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 kind of bear with me as I run through this. Now I have here that last time we spoke to you, you were engaged in planning the wedding. So you guys did get married?\n\nChannel 1: Yeah. It did. Yeah. Yep.\n\nChannel 0: Oh, lovely. When did you guys get married? Oh, beautiful. Well, congratulations.\n\nChannel 1: Thank\n\nChannel 0: Now\n\nChannel 1: you.\n\nChannel 0: I have here next up kin, Melinda. That'll be your wife?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. And her name has sorry. Her phone number hasn't changed. It still ends on 177.\n\nChannel 1: Yeah. That's correct. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Now I do also wanna just confirm your your email hasn't changed or your address is still there, 33 Cooker 2 Place Springfield.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Now dependents, I have here two children\n\nChannel 1: Yep.\n\nChannel 0: currently. That's the case? Yep. Perfect. And employment wise, obviously, still a truck driver?\n\nYep. Yep. Perfect. I'm still enjoying it. Yeah.\n\nPays the bills. Have you been impacted a lot with, obviously, the fuel prices and everything recently? Yeah. But you're still kind of obviously, it's still going okay with the business and everything?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Please\n\nChannel 0: Yeah.\n\nChannel 1: keep it a watch day. Yep.\n\nChannel 0: Oh, that's good. Because I do have quite\n\nChannel 1: Good.\n\nChannel 0: a few clients who are truck drivers or garbage truck drivers, like, different type of truck drivers, long distance, short distance, and some people have been let go, and some are\n\nChannel 1: Yeah.\n\nChannel 0: still kind of being hanging in there. Yeah. Oh, that's good that you're doing okay. Now income wise, I have here last time you were paying yourself about a 100,000. Does that sound about right?\n\nYep. Perfect. And at the moment, you're not making any contributions into super? No. Yeah.\n\nNo. And and most people are the same right now as well, obviously, with, yeah, increasing fuel prices, increasing living costs. It's one of those things that's on on pause at the moment. That's all good. Now are you guys saving much at the moment, or does most things kind of go to bills and expenses?\n\nChannel 1: I think they'll do it better\n\nChannel 0: Yep.\n\nChannel 1: than\n\nChannel 0: Asset wise, I have here your motor vehicle vied at about\n\nChannel 1: yep.\n\nChannel 0: 50,000.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. And you don't have anything owing\n\nChannel 1: Alright.\n\nChannel 0: on that one, do you?\n\nChannel 1: Alright.\n\nChannel 0: No. Perfect. Also, savings about $70.\n\nChannel 1: You got that. Yes.\n\nChannel 0: About that. Perfect. And then also some physical silver, about 40.\n\nChannel 1: Yeah. Yeah. Yeah. That's correct.\n\nChannel 0: Yeah. Perfect. Now do you have any other new assets in the last twelve months we haven't kind of touched on?\n\nChannel 1: We thought yeah. Not really at the moment. No. We just\n\nChannel 0: No?\n\nChannel 1: sort of pretty much taken along what we've got here.\n\nChannel 0: Okay. And do you have any, like, other liabilities, like credit cards or personal loans or anything?\n\nChannel 1: Nothing.\n\nChannel 0: No. Great. And you've never been bankrupt or been under a part nine debt agreement? No. Beautiful.\n\nNow health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any changes to your health in the last twelve months? Any significant health issues?\n\nNo. Beautiful. That's what I like to hear. Good. And do you have private health insurance?\n\nYep. Yep. Okay. Perfect. Now when it comes to estate planning, do you have a will or power of attorney in place?\n\nChannel 1: We haven't got that yet that far with the will. So yeah.\n\nChannel 0: Yep. On the to do list.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Now when it comes to, obviously, your superannuation and your insurances, Now at the moment, I don't actually have a nomination on file for you. Do you remember receiving those in the post at all? No. That's okay.\n\nSo, basically, what the forms are and they do they are important because if something were to happen to you, it lets you nominate who you want to receive the benefits. It streamlines, obviously, the estate process if something ever were to happen, but then also takes away, obviously, potential conflicts or anything like that with other people trying to to, you know, make a claim or anything. So no. I don't I can't see it here, and I'm in your hub 24 triple checking as well. Sorry.\n\nSometimes with us post if you did send it back. You're not too too far away, though. Sorry. You should have got here. Do you have access to a printer at all, Derek?\n\nChannel 1: Yeah. I do. Yeah.\n\nChannel 0: Yeah? Because what I can do, just so you don't have to if you already have completed it once, just so you don't have to keep redoing it, is that I can get the team to email you the copies. That way,\n\nChannel 1: Yep.\n\nChannel 0: you can just print them off when you have a moment, complete them, and then email them back. Then that way, we know for sure that we get them back.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And if you do, obviously, nominate, Melinda as she is your spouse, everything will be tax free to her as well, which is good. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now I guess when it comes to kind of goals, stuff that you are working towards that you are wanting to achieve, Last time, it was focusing on the upcoming wedding, which you've obviously had, and then just kind of keep building up savings, maybe\n\nChannel 1: Yes.\n\nChannel 0: look at buying a house in the future. Is that still kind of the main goals for you? Yep. Yep. Okay.\n\nGreat. Now when it comes to\n\nChannel 1: Yes.\n\nChannel 0: your superannuation as well, I'll do quickly just run through just a couple of multiple choice questions just to see if your risk tolerance has changed to how we invest your money. Now some of it can be a bit tricky, and it's all kind of hypothetical situations, which can be a little bit hard as well. But just kind of think of what you feel is the most appropriate\n\nChannel 1: Yep.\n\nChannel 0: for you. And, obviously, knowing that superannuation is locked in until you meet that kind of condition of release. And at the moment, are you still kind of planning on working till '67? Is that still kind of the plan?\n\nChannel 1: Yeah.\n\nChannel 0: 6065. Okay. Perfect. Now just so you do know, with the current legislation, if you decide to retire and stop working, you can actually access all of your super tax rate at 60 if you stop working.\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: Yep. Obviously, the the thing to be mindful of, if you do decide to stop at 60, take out everything, then, obviously, you wanna make sure that it lasts, obviously, through retirement, and then potential age pension wouldn't kick in till 67. So that's obviously something to be mindful of. But if you do decide that, no, you don't wanna work anymore, you can take it out at 60.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Yeah. Alright. Perfect. Now, Derek, have you ever bought direct shares or invested in the stock market yourself?\n\nChannel 1: No. I haven't.\n\nChannel 0: Nope. And when it comes to the the level of risk that you are comfortable with for your superannuation, would you say that at the moment, you are happy to accept very high risk to grow your super, just\n\nChannel 1: Yeah.\n\nChannel 0: high risk yes? Still the same? Alright. Still all the same. Okay.\n\nYeah. Because at the moment, we do have you invested in a growth portfolio,\n\nChannel 1: Yeah.\n\nChannel 0: which essentially means that, you know, it is targeted for investors who are looking at getting as much growth out of their superannuation while you still have, you know, still point of time until we do retire. Also, for people who do understand and are comfortable, but that short term, depending on, obviously, what's going on in the world and the market, there will be some level of fluctuation in order\n\nChannel 1: Yeah.\n\nChannel 0: to, you know, long term get you that growth. And when it comes to how your money is actually invested, we typically see 90% invested in those growth investments, which is a combination of your Australian shares, your international shares, and property as well. And that is basically what's going to give you that growth. But then we still have about 10% in defensive, like your cash, your fixed interest, bit of gold as well to try not limit fluctuations. So are you still kind of comfortable to maintain that level of risk there, Derek?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And, also, from a time frame point of view, what we consider is making sure that you have enough time in the market for those fluctuations. And in a high growth portfolio, typically, we'd like to see about eight years or so until retirement, which you do have behind you. So from a time frame point of view, it's still very suitable for you.\n\nYeah. Alright. Perfect. Now because I know you are driving, I won't get you to access your emails because it would not be safe to do so. But what I have done is I have sent you an email similar to last time just with some documents to kind of run through with you.\n\nNow, obviously, later when it's safe for you to do so and when you have a moment, just have a look through the documents. And if you then have any questions, just let me know. Yep. Perfect. Now what you will see in the document is a a couple of documents.\n\nThe first one is a super and insurance summary. Now it shows you as well that you have your superannuation with hub twenty four. Now last time we did your annual review, your super balance was at a 124,865. And at the moment, it's up at a 100 and 142,100.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now, obviously, we've already touched on you do have insurance with MetLife, MetLife, and TPD. At the moment, you are covered for 630,000. You\n\nChannel 1: Yep.\n\nChannel 0: also have that income protection, which will pay you a monthly amount of 2,398. You have that shortest thirty day waiting period, and the benefit will last for five years. Because it's paid from within that super environment, you do get that 15% tax rebate. But the total premium for all three is 2,781. Now do you have any questions in regards to your insurances?\n\nAre you still happy with, like, the level of cover for now?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Perfect. Now the next document then shows you your kind of performance with your investments. It shows you in the last twelve months how each investments have performed and how much you actually have invested in each option.\n\nSo kind of like I touched on a little bit earlier, the last twelve months, we have seen, obviously, a bit of turbulence in the market. I'm sure you've heard on the news. Obviously, with the war, did see a bit of fluctuation and also everything going on in The US with, obviously, Trump and tariffs and everything did see a bit of fluctuations in the last twelve months. So,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, being in a high growth portfolio, we can see a bit more fluctuations when do things do happen to the market. The good thing is that your portfolio has still done pretty good considering the market fluctuations. So\n\nChannel 1: Yep.\n\nChannel 0: in the last twelve months, after fees, your portfolio has still gone up by 6.78%, which we are quite happy with given the market conditions and that you are in that high growth portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: Now with your investment story, there is one that I would like to look at changing for you. So when you have a look at it, you will see that most of your investments have done really well. There is two that is down at the moment. One is just slightly down, and that is your property investments. Obviously, the property market have been a little bit fluctuating as well.\n\nNot too concerned about it. It's just kind of down by about 1%. So so not too bad. The other one that is down is the one that I wanna look at changing for you. So, obviously, with your investment, the good thing with hub twenty four is that there is hundreds of different options for us to choose from, which means that we want to obviously be proactive with your investments because things are always changing.\n\nThe markets are always changing. Investments are always changing. So we wanna make sure we do stay proactive with your investments. And if we do foresee one investment underperforming a little bit and we don't think it's gonna come back around as as quickly or being the best option for you moving forward, we do wanna look at, obviously, changing things for you. So the investment committee have done a lot of research on this one particular investment, which is called your Benelong Australian equity.\n\nSo how that one work, Derek, is that they are actively buying and selling different investments in order to try to outperform the market. They They have been very successful in doing so, but more recently, they have been a little bit slower in making those decisions. And one kind of contributing factor to why they are underperforming a bit at the moment is that one of the companies that they had in their portfolio is called the Corporate Travel Group. I'm not sure if you've heard of them.\n\nChannel 1: No.\n\nChannel 0: No. So, essentially, they had that company had a bit of issues with that reporting, which actually meant that they were basically put on freeze. So you couldn't buy or sell anything. They were just while they were getting their kind of books investigated. So because of that, obviously, it did see the share prices drop a little bit.\n\nThe good thing is that you are not invested directly in that. You are just invested in Benelung, and we can get you out of Benelung and move\n\nChannel 1: Mhmm.\n\nChannel 0: you to something else, which is good. So that is the investment. If you are happy for us to do so, that we would like to just look at changing.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: That's fine. Yep.\n\nChannel 0: yeah. Perfect. Now what we are looking at changing because, obviously, if we do remove one Australian investment, we still wanna make sure that you do have exposure to the Australian market. Just another option that's doing a little bit better, a little bit cheaper, and performing a little bit better for you. So what we have found is one that's called your BetaShares Australia two hundred.\n\nIt is a little bit more simplified in that, basically, it just invests in the 200 largest companies listed in Australia. So you'll have all the big banks, Woolworths, BHP, stuff like that. They're very diversified. You don't have, like, heaps of money in one company. It is across 200 companies.\n\nSo, obviously,\n\nChannel 1: Yes.\n\nChannel 0: it will be a little bit kind of smoother than that Benelon investment. Because you don't have that same kind of active and buying, it is a bit cheaper, which is good. So so, yes, if you're happy for us to do so, we would like to look at just doing a straight swap over for Ben along through $8,200, if you are comfortable with that.\n\nChannel 1: Yeah. Definitely. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now what I will do just for your records is that I will get something that's called a record\n\nChannel 1: Mhmm.\n\nChannel 0: of advice drawn up and emailed to you. You don't have to sign it or anything like that, but it just basically lets you know that we have done this one investment switch for you just so that you have the record as well. Any questions in regards to any of that?\n\nChannel 1: No. It's taking good time.\n\nChannel 0: No. Yep. Beautiful. Now the other documents you will see is another Vanguard index chart. You probably saw this last year.\n\nIt is one that we like to include. They do update it every single year, which is good to kind of reflect the market fluctuation. Basically, when you have a look at it, you will see market always goes up. The short term, depending on what is happening in the world, you will have those ups and downs and market fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. You will also have just another copy of that financial services guide again. Now nothing has really changed. All the important information is still in there for you. We've had an update to marketing, which is great, and a bit of an extension to the team.\n\nSo if you do have a read through it, you will see the directors and all the advices. You will see myself on page 10 as well if you do wanna put a face to the boys. Now\n\nChannel 1: Okay.\n\nChannel 0: the now there there are two documents that it will ask you to sign if you are happy to do so. Now one is a tax file number opt in form. It is basically just a compliance form to say that we are keeping your tax file number secure and safe on file. The\n\nChannel 1: Yeah.\n\nChannel 0: other one, it is just your ongoing service agreement. The same as per last year, it is just a form to say that you are happy to stay on as a client. Now we have had no changes in regards to the fee structure, which is good. So that stays exactly the same at that 1.65 from super. So it hasn't changed at all, which is good.\n\nAnd it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. It just gets deducted on a monthly basis for you to give you that flexibility. But by signing that document, it essentially allows us to manage all your investments and insurances and everything for you in the meantime. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Perfect. And that was essentially all the the documents and everything that I needed to run through there with you, Derek. Do you have any questions for me while you got me on the phone?\n\nChannel 1: No. I haven't. I've just got\n\nChannel 0: Nah?\n\nChannel 1: it probably running here now, so I've just got to unload.\n\nChannel 0: Okay.\n\nChannel 1: So, you know, that sounds all pretty good. So\n\nChannel 0: Good timing. Alright. Well, I\n\nChannel 1: yeah.\n\nChannel 0: will let\n\nChannel 1: Good\n\nChannel 0: you\n\nChannel 1: timing.\n\nChannel 0: get to it. I will let you\n\nChannel 1: Yeah.\n\nChannel 0: get to\n\nChannel 1: Yeah.\n\nChannel 0: it.\n\nChannel 1: No. That's spot on.\n\nChannel 0: Yep. Perfect. When you have a moment, have a look through the emails. Any questions,\n\nChannel 1: Yep.\n\nChannel 0: let me know. Otherwise, I'll just need you to sign those when you have a moment.\n\nChannel 1: Yeah. I'll have a look at them,\n\nChannel 0: Yep.\n\nChannel 1: tomorrow, something like that. Yeah.\n\nChannel 0: Yep. Beautiful. And just keep a lookout for that record of advice, and then I'll get my team to email you those beneficiary forms so we can get that sorted for you as well.\n\nChannel 1: Yep. Sounds right. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Beautiful. Thank you so much for your time today, and you enjoy the rest of your day.\n\nChannel 1: Thank you. You too.\n\nChannel 0: Mhmm.\n\nChannel 1: Good on you.\n\nChannel 0: No worries. Thanks, Derek.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.03642462566494942}],"sentiment":"neutral","sentiment_score":0.03642462566494942,"channel":1,"num_words":1,"start":2.8799999,"end":3.3799999},{"sentences":[{"text":"Good morning.","start":4.24,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.295309454202652},{"text":"Is this Derek?","start":4.7999997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.15172016620635986}],"sentiment":"neutral","sentiment_score":0.2091558814048767,"channel":0,"num_words":5,"start":4.24,"end":5.7799997},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.72,"sentiment":"neutral","sentiment_score":0.11865713447332382},{"text":"It is.","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.1179257407784462},{"text":"Yeah.","start":7.12,"end":7.62,"sentiment":"neutral","sentiment_score":0.13241621851921082}],"sentiment":"neutral","sentiment_score":0.12173120863735676,"channel":1,"num_words":4,"start":6.48,"end":7.62},{"sentences":[{"text":"This is Veronica from Financial.","start":8.16,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.16913374662399291},{"text":"How are you?","start":10.559999,"end":11.38,"sentiment":"neutral","sentiment_score":0.18037155270576477}],"sentiment":"neutral","sentiment_score":0.17334792390465736,"channel":0,"num_words":8,"start":8.16,"end":11.38},{"sentences":[{"text":"Yeah.","start":11.92,"end":12.16,"sentiment":"neutral","sentiment_score":0.2124965339899063},{"text":"Not too bad.","start":12.16,"end":12.88,"sentiment":"positive","sentiment_score":0.34297625223795575},{"text":"Thanks.","start":12.88,"end":13.38,"sentiment":"positive","sentiment_score":0.6802112460136414}],"sentiment":"positive","sentiment_score":0.38432730734348297,"channel":1,"num_words":5,"start":11.92,"end":13.38},{"sentences":[{"text":"That's good.","start":14.015,"end":14.995001,"sentiment":"positive","sentiment_score":0.740324079990387},{"text":"I had you booked in to go over your annual review.","start":15.8550005,"end":18.415,"sentiment":"positive","sentiment_score":0.47675814953717316},{"text":"Is now still a good time for you?","start":18.415,"end":20.195,"sentiment":"positive","sentiment_score":0.3668719120323658}],"sentiment":"positive","sentiment_score":0.45999824291183833,"channel":0,"num_words":21,"start":14.015,"end":20.195},{"sentences":[{"text":"Yeah.","start":20.695,"end":21.015,"sentiment":"neutral","sentiment_score":0.10151603817939758},{"text":"I'm just yeah.","start":21.015,"end":22.695,"sentiment":"neutral","sentiment_score":0.08313201864560445},{"text":"Just give me sort of a couple of minutes.","start":22.695,"end":24.935001,"sentiment":"neutral","sentiment_score":0.06712062656879425},{"text":"I'm just loading the truck here, and I'll be with you.","start":24.935001,"end":27.255001,"sentiment":"neutral","sentiment_score":0.08077550273049962},{"text":"So I'll just have","start":27.255001,"end":28.215,"sentiment":"neutral","sentiment_score":0.03952020267024636}],"sentiment":"neutral","sentiment_score":0.07148603835542287,"channel":1,"num_words":28,"start":20.695,"end":28.215},{"sentences":[{"text":"Yeah.","start":28.11,"end":28.43,"sentiment":"neutral","sentiment_score":0.0236775241792202}],"sentiment":"neutral","sentiment_score":0.0236775241792202,"channel":0,"num_words":1,"start":28.11,"end":28.43},{"sentences":[{"text":"to 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you?","start":703.09503,"end":704.155,"sentiment":"neutral","sentiment_score":0.009729809314012527}],"sentiment":"neutral","sentiment_score":0.009729809314012527,"channel":0,"num_words":5,"start":703.09503,"end":704.155},{"sentences":[{"text":"Alright.","start":705.09,"end":705.59,"sentiment":"neutral","sentiment_score":0.016798121854662895}],"sentiment":"neutral","sentiment_score":0.016798121854662895,"channel":1,"num_words":1,"start":705.09,"end":705.59},{"sentences":[{"text":"No.","start":705.49506,"end":705.97504,"sentiment":"neutral","sentiment_score":0.017612235620617867},{"text":"Perfect.","start":705.97504,"end":706.47504,"sentiment":"neutral","sentiment_score":0.1414344161748886},{"text":"Also, savings about $70.","start":706.935,"end":709.91504,"sentiment":"neutral","sentiment_score":0.09329539351165295}],"sentiment":"neutral","sentiment_score":0.08870470430701971,"channel":0,"num_words":6,"start":705.49506,"end":709.91504},{"sentences":[{"text":"You got 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anything?","start":735.255,"end":741.52,"sentiment":"neutral","sentiment_score":-0.029421725776046515}],"sentiment":"neutral","sentiment_score":-0.028456096263492808,"channel":0,"num_words":17,"start":734.215,"end":741.52},{"sentences":[{"text":"Nothing.","start":742.13,"end":742.63,"sentiment":"neutral","sentiment_score":-0.06933532655239105}],"sentiment":"neutral","sentiment_score":-0.06933532655239105,"channel":1,"num_words":1,"start":742.13,"end":742.63},{"sentences":[{"text":"No.","start":742.94,"end":743.42004,"sentiment":"neutral","sentiment_score":-0.051604241132736206},{"text":"Great.","start":743.42004,"end":743.92004,"sentiment":"neutral","sentiment_score":0.059048719704151154},{"text":"And you've never been bankrupt or been under a part nine debt 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haven't got that yet that far with the will.","start":787.67004,"end":790.39,"sentiment":"neutral","sentiment_score":-0.034668230637907985},{"text":"So yeah.","start":790.39,"end":791.77,"sentiment":"neutral","sentiment_score":0.04152097925543785}],"sentiment":"neutral","sentiment_score":-0.02197002898901701,"channel":1,"num_words":12,"start":787.67004,"end":791.77},{"sentences":[{"text":"Yep.","start":791.47003,"end":791.97003,"sentiment":"neutral","sentiment_score":0.05672676861286163},{"text":"On the to do 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67.","start":1001.98,"end":1018.13495,"sentiment":"neutral","sentiment_score":-0.0006298347569366054},{"text":"So that's obviously something to be mindful of.","start":1018.13495,"end":1020.45496,"sentiment":"neutral","sentiment_score":-0.00544813834130764},{"text":"But if you do decide that, no, you don't wanna work anymore, you can take it out at 60.","start":1020.45496,"end":1025.71,"sentiment":"neutral","sentiment_score":-0.07162007797313363}],"sentiment":"neutral","sentiment_score":-0.019654098773321162,"channel":0,"num_words":69,"start":1001.25995,"end":1025.71},{"sentences":[{"text":"Yeah.","start":1026.51,"end":1026.75,"sentiment":"neutral","sentiment_score":0.006851550191640854},{"text":"Okay.","start":1026.75,"end":1027.25,"sentiment":"neutral","sentiment_score":0.019093019887804985},{"text":"Yeah.","start":1027.39,"end":1027.89,"sentiment":"neutral","sentiment_score":0.027915824204683304}],"sentiment":"neutral","sentiment_score":0.01795346476137638,"channel":1,"num_words":3,"start":1026.51,"end":1027.89},{"sentences":[{"text":"Yeah.","start":1027.4501,"end":1027.9501,"sentiment":"neutral","sentiment_score":0.05596478655934334},{"text":"Alright.","start":1028.65,"end":1029.13,"sentiment":"neutral","sentiment_score":0.15088294446468353},{"text":"Perfect.","start":1029.13,"end":1029.63,"sentiment":"neutral","sentiment_score":0.24902530014514923},{"text":"Now, Derek, have you ever bought direct shares or invested in the stock market yourself?","start":1029.77,"end":1034.91,"sentiment":"neutral","sentiment_score":0.04727458233634631}],"sentiment":"neutral","sentiment_score":0.06472176478968726,"channel":0,"num_words":18,"start":1027.4501,"end":1034.91},{"sentences":[{"text":"No.","start":1036.355,"end":1036.6749,"sentiment":"neutral","sentiment_score":-0.1249479129910469},{"text":"I haven't.","start":1036.6749,"end":1037.2549,"sentiment":"neutral","sentiment_score":-0.12352709099650383}],"sentiment":"neutral","sentiment_score":-0.12400069832801819,"channel":1,"num_words":3,"start":1036.355,"end":1037.2549},{"sentences":[{"text":"Nope.","start":1037.945,"end":1038.445,"sentiment":"neutral","sentiment_score":-0.1401761770248413},{"text":"And when it comes to the the level of risk that you are comfortable with for your superannuation, would you say that at the moment, you are happy to accept very high risk to grow your super, just","start":1039.7849,"end":1055.39,"sentiment":"neutral","sentiment_score":-0.043506199592038206}],"sentiment":"neutral","sentiment_score":-0.04598491696211008,"channel":0,"num_words":39,"start":1037.945,"end":1055.39},{"sentences":[{"text":"Yeah.","start":1055.2699,"end":1055.7699,"sentiment":"neutral","sentiment_score":-0.033000268042087555}],"sentiment":"neutral","sentiment_score":-0.033000268042087555,"channel":1,"num_words":1,"start":1055.2699,"end":1055.7699},{"sentences":[{"text":"high risk yes?","start":1055.39,"end":1057.8099,"sentiment":"neutral","sentiment_score":-0.036593817795316376},{"text":"Still the same?","start":1058.4299,"end":1059.15,"sentiment":"neutral","sentiment_score":-0.036016481618086495},{"text":"Alright.","start":1059.15,"end":1059.65,"sentiment":"neutral","sentiment_score":0.03207957744598389},{"text":"Still all the same.","start":1060.4299,"end":1061.23,"sentiment":"neutral","sentiment_score":0.04578015115112066},{"text":"Okay.","start":1061.23,"end":1061.5499,"sentiment":"neutral","sentiment_score":0.04420698434114456}],"sentiment":"neutral","sentiment_score":0.003464689012616873,"channel":0,"num_words":12,"start":1055.39,"end":1061.5499},{"sentences":[{"text":"Yeah.","start":1061.5499,"end":1061.7899,"sentiment":"neutral","sentiment_score":0.02239156886935234},{"text":"Because at the moment, we do have you invested in a growth portfolio,","start":1061.7899,"end":1066.205,"sentiment":"neutral","sentiment_score":0.08031496548881897}],"sentiment":"neutral","sentiment_score":0.07617758001599993,"channel":0,"num_words":14,"start":1061.5499,"end":1066.205},{"sentences":[{"text":"Yeah.","start":1067.155,"end":1067.655,"sentiment":"neutral","sentiment_score":0.1597626507282257}],"sentiment":"neutral","sentiment_score":0.1597626507282257,"channel":1,"num_words":1,"start":1067.155,"end":1067.655},{"sentences":[{"text":"which essentially means that, you know, it is targeted for investors who are looking at getting as much growth out of their superannuation while you still have, you know, still point of time until we do retire.","start":1067.865,"end":1079.645,"sentiment":"neutral","sentiment_score":0.15978560516157667},{"text":"Also, for people who do understand and are comfortable, but that short term, depending on, obviously, what's going on in the world and the market, there will be some level of fluctuation in order","start":1081.2,"end":1092.64,"sentiment":"neutral","sentiment_score":0.01443864733857267}],"sentiment":"neutral","sentiment_score":0.090182836626617,"channel":0,"num_words":71,"start":1067.865,"end":1092.64},{"sentences":[{"text":"Yeah.","start":1092.355,"end":1092.855,"sentiment":"neutral","sentiment_score":0.04948952794075012}],"sentiment":"neutral","sentiment_score":0.04948952794075012,"channel":1,"num_words":1,"start":1092.355,"end":1092.855},{"sentences":[{"text":"to, you know, long term get you that growth.","start":1092.64,"end":1095.7,"sentiment":"neutral","sentiment_score":0.1958183464076784},{"text":"And when it comes to how your money is actually invested, we typically see 90% invested in those growth investments, which is a combination of your Australian shares, your international shares, and property as well.","start":1096.765,"end":1112.74,"sentiment":"neutral","sentiment_score":0.20357097940785543},{"text":"And that is basically what's going to give you that growth.","start":1112.88,"end":1115.78,"sentiment":"neutral","sentiment_score":0.28254221650687134},{"text":"But then we still have about 10% in defensive, like your cash, your fixed interest, bit of gold as well to try not limit fluctuations.","start":1115.92,"end":1124.945,"sentiment":"neutral","sentiment_score":0.09867518901824951},{"text":"So are you still kind of comfortable to maintain that level of risk there, Derek?","start":1125.725,"end":1130.065,"sentiment":"neutral","sentiment_score":0.007522693773110708}],"sentiment":"neutral","sentiment_score":0.153421409584974,"channel":0,"num_words":95,"start":1092.64,"end":1130.065},{"sentences":[{"text":"Yeah.","start":1130.4651,"end":1130.9651,"sentiment":"neutral","sentiment_score":0.19369862973690033}],"sentiment":"neutral","sentiment_score":0.19369862973690033,"channel":1,"num_words":1,"start":1130.4651,"end":1130.9651},{"sentences":[{"text":"Yep.","start":1131.325,"end":1131.825,"sentiment":"positive","sentiment_score":0.38182997703552246},{"text":"Beautiful.","start":1131.885,"end":1132.385,"sentiment":"positive","sentiment_score":0.7068352103233337},{"text":"And, also, from a time frame point of view, what we consider is making sure that you have enough time in the market for those fluctuations.","start":1132.6849,"end":1139.6,"sentiment":"neutral","sentiment_score":0.26447200775146484},{"text":"And in a high growth portfolio, typically, we'd like to see about eight years or so until retirement, which you do have behind you.","start":1140.46,"end":1148.805,"sentiment":"neutral","sentiment_score":0.2063750894740224},{"text":"So from a time frame point of view, it's still very suitable for you.","start":1148.805,"end":1152.985,"sentiment":"neutral","sentiment_score":0.2956163574542318}],"sentiment":"neutral","sentiment_score":0.25843285667625343,"channel":0,"num_words":66,"start":1131.325,"end":1152.985},{"sentences":[{"text":"Yeah.","start":1154.085,"end":1154.485,"sentiment":"neutral","sentiment_score":0.19463293254375455},{"text":"Alright.","start":1154.485,"end":1154.885,"sentiment":"neutral","sentiment_score":0.3022354543209076},{"text":"Perfect.","start":1154.885,"end":1155.385,"sentiment":"positive","sentiment_score":0.481842577457428},{"text":"Now because I know you are driving, I won't get you to access your emails because it would not be safe to do so.","start":1155.685,"end":1161.945,"sentiment":"neutral","sentiment_score":0.033527432268480574},{"text":"But what I have done is I have sent you an email similar to last time just with some documents to kind of run through with you.","start":1162.23,"end":1171.21,"sentiment":"neutral","sentiment_score":0.1496930111337591}],"sentiment":"neutral","sentiment_score":0.10787186369216889,"channel":0,"num_words":54,"start":1154.085,"end":1171.21},{"sentences":[{"text":"Now, obviously, later when it's safe for you to do so and when you have a moment, just have a look through the documents.","start":1171.59,"end":1178.4651,"sentiment":"neutral","sentiment_score":0.21442507145305476},{"text":"And if you then have any questions, just let me know.","start":1178.605,"end":1181.505,"sentiment":"neutral","sentiment_score":0.18211030147292398},{"text":"Yep.","start":1182.925,"end":1183.425,"sentiment":"neutral","sentiment_score":0.28792235255241394},{"text":"Perfect.","start":1183.885,"end":1184.385,"sentiment":"positive","sentiment_score":0.5488504767417908},{"text":"Now what you will see in the document is a a couple of documents.","start":1184.525,"end":1189.0851,"sentiment":"neutral","sentiment_score":0.20371498806135996}],"sentiment":"neutral","sentiment_score":0.2125136802593867,"channel":0,"num_words":51,"start":1171.59,"end":1189.0851},{"sentences":[{"text":"The first one is a super and insurance summary.","start":1189.0851,"end":1192.26,"sentiment":"neutral","sentiment_score":0.197558441095882},{"text":"Now it shows you as well that you have your superannuation with hub twenty four.","start":1192.88,"end":1198.1,"sentiment":"neutral","sentiment_score":0.22948225000873207},{"text":"Now last time we did your annual review, your super balance was at a 124,865.","start":1198.7999,"end":1203.2589,"sentiment":"neutral","sentiment_score":0.05398321797450383},{"text":"And at the moment, it's up at a 100 and 142,100.","start":1203.2589,"end":1213.235,"sentiment":"neutral","sentiment_score":0.035066126930442726}],"sentiment":"neutral","sentiment_score":0.12831470771692693,"channel":0,"num_words":50,"start":1189.0851,"end":1213.235},{"sentences":[{"text":"Yeah.","start":1214.375,"end":1214.695,"sentiment":"neutral","sentiment_score":0.05232067033648491},{"text":"Okay.","start":1214.695,"end":1215.195,"sentiment":"neutral","sentiment_score":0.06332943588495255}],"sentiment":"neutral","sentiment_score":0.05782505311071873,"channel":1,"num_words":2,"start":1214.375,"end":1215.195},{"sentences":[{"text":"Now, obviously, we've already touched on you do have insurance with MetLife, MetLife, and TPD.","start":1215.9349,"end":1221.5549,"sentiment":"neutral","sentiment_score":0.08321151783068975},{"text":"At the moment, you are covered for 630,000.","start":1222.1599,"end":1225.7,"sentiment":"neutral","sentiment_score":0.10642357170581818},{"text":"You","start":1226.7999,"end":1227.12,"sentiment":"neutral","sentiment_score":0.13474072515964508}],"sentiment":"neutral","sentiment_score":0.09309591942777236,"channel":0,"num_words":24,"start":1215.9349,"end":1227.12},{"sentences":[{"text":"Yep.","start":1226.81,"end":1227.31,"sentiment":"neutral","sentiment_score":0.17268115282058716}],"sentiment":"neutral","sentiment_score":0.17268115282058716,"channel":1,"num_words":1,"start":1226.81,"end":1227.31},{"sentences":[{"text":"also have that income protection, which will pay you a monthly amount of 2,398.","start":1227.12,"end":1234.515,"sentiment":"neutral","sentiment_score":0.17073452791997365},{"text":"You have that shortest thirty day waiting period, and the benefit will last for five years.","start":1235.3151,"end":1241.095,"sentiment":"neutral","sentiment_score":0.18214418645948172},{"text":"Because it's paid from within that super environment, you do get that 15% tax rebate.","start":1242.755,"end":1248.375,"sentiment":"neutral","sentiment_score":0.17685562272866567},{"text":"But the total premium for all three is 2,781.","start":1248.83,"end":1253.89,"sentiment":"neutral","sentiment_score":0.0634884453482098},{"text":"Now do you have any questions in regards to your insurances?","start":1254.43,"end":1257.01,"sentiment":"neutral","sentiment_score":0.03609343025494705}],"sentiment":"neutral","sentiment_score":0.13732074547845582,"channel":0,"num_words":65,"start":1227.12,"end":1257.01},{"sentences":[{"text":"Are you still happy with, like, the level of cover for now?","start":1257.07,"end":1260.05,"sentiment":"neutral","sentiment_score":0.025559113981823128}],"sentiment":"neutral","sentiment_score":0.025559113981823128,"channel":0,"num_words":12,"start":1257.07,"end":1260.05},{"sentences":[{"text":"Yeah.","start":1260.49,"end":1260.99,"sentiment":"neutral","sentiment_score":0.08462180197238922}],"sentiment":"neutral","sentiment_score":0.08462180197238922,"channel":1,"num_words":1,"start":1260.49,"end":1260.99},{"sentences":[{"text":"Yep.","start":1261.5651,"end":1261.885,"sentiment":"neutral","sentiment_score":0.12846457958221436},{"text":"Yep.","start":1261.885,"end":1262.385,"sentiment":"neutral","sentiment_score":0.27051472663879395},{"text":"Perfect.","start":1262.525,"end":1263.025,"sentiment":"positive","sentiment_score":0.6093301773071289},{"text":"Now the next document then shows you your kind of performance with your investments.","start":1263.885,"end":1269.745,"sentiment":"neutral","sentiment_score":0.24250581009047373},{"text":"It shows you in the last twelve months how each investments have performed and how much you actually have invested in each option.","start":1270.685,"end":1280.88,"sentiment":"neutral","sentiment_score":0.13818595202072806}],"sentiment":"neutral","sentiment_score":0.18954169303178786,"channel":0,"num_words":40,"start":1261.5651,"end":1280.88},{"sentences":[{"text":"So kind of like I touched on a little bit earlier, the last twelve months, we have seen, obviously, a bit of turbulence in the market.","start":1281.34,"end":1288.22,"sentiment":"neutral","sentiment_score":-0.10919018061115192},{"text":"I'm sure you've heard on the news.","start":1288.22,"end":1289.84,"sentiment":"neutral","sentiment_score":-0.12007517580475126},{"text":"Obviously, with the war, did see a bit of fluctuation and also everything going on in The US with, obviously, Trump and tariffs and everything did see a bit of fluctuations in the last twelve months.","start":1290.425,"end":1301.485,"sentiment":"neutral","sentiment_score":-0.15656042554312283},{"text":"So,","start":1302.2,"end":1302.52,"sentiment":"neutral","sentiment_score":-0.04161303490400314}],"sentiment":"neutral","sentiment_score":-0.13367513258542332,"channel":0,"num_words":70,"start":1281.34,"end":1302.52},{"sentences":[{"text":"Yeah.","start":1302.3151,"end":1302.8151,"sentiment":"neutral","sentiment_score":-0.03882043808698654}],"sentiment":"neutral","sentiment_score":-0.03882043808698654,"channel":1,"num_words":1,"start":1302.3151,"end":1302.8151},{"sentences":[{"text":"obviously, being in a high growth portfolio, we can see a bit more fluctuations when do things do happen to the market.","start":1302.52,"end":1309.34,"sentiment":"neutral","sentiment_score":-0.04155148955231363},{"text":"The good thing is that your portfolio has still done pretty good considering the market fluctuations.","start":1310.04,"end":1315.58,"sentiment":"positive","sentiment_score":0.484694080427289},{"text":"So","start":1316.745,"end":1317.245,"sentiment":"neutral","sentiment_score":0.33070358633995056}],"sentiment":"neutral","sentiment_score":0.1838891308468122,"channel":0,"num_words":39,"start":1302.52,"end":1317.245},{"sentences":[{"text":"Yep.","start":1317.23,"end":1317.73,"sentiment":"positive","sentiment_score":0.3485355079174042}],"sentiment":"positive","sentiment_score":0.3485355079174042,"channel":1,"num_words":1,"start":1317.23,"end":1317.73},{"sentences":[{"text":"in the last twelve months, after fees, your portfolio has still gone up by 6.78%, which we are quite happy with given the market conditions and that you are in that high growth portfolio.","start":1317.305,"end":1331.165,"sentiment":"positive","sentiment_score":0.4322551239062758}],"sentiment":"positive","sentiment_score":0.4322551239062758,"channel":0,"num_words":34,"start":1317.305,"end":1331.165},{"sentences":[{"text":"Yeah.","start":1332.265,"end":1332.765,"sentiment":"neutral","sentiment_score":0.14679498970508575}],"sentiment":"neutral","sentiment_score":0.14679498970508575,"channel":1,"num_words":1,"start":1332.265,"end":1332.765},{"sentences":[{"text":"Now with your investment story, there is one that I would like to look at changing for you.","start":1333.7,"end":1339.22,"sentiment":"neutral","sentiment_score":0.096022786365615},{"text":"So when you have a look at it, you will see that most of your investments have done really well.","start":1339.22,"end":1345.7999,"sentiment":"neutral","sentiment_score":0.24014372304081916},{"text":"There is two that is down at the moment.","start":1346.1799,"end":1350.0549,"sentiment":"neutral","sentiment_score":-0.12598867300483915},{"text":"One is just slightly down, and that is your property investments.","start":1350.6749,"end":1354.0549,"sentiment":"neutral","sentiment_score":-0.09410036490722136},{"text":"Obviously, the property market have been a little bit fluctuating as well.","start":1354.195,"end":1358.5349,"sentiment":"neutral","sentiment_score":-0.11302558549990256}],"sentiment":"neutral","sentiment_score":0.04294250740536622,"channel":0,"num_words":70,"start":1333.7,"end":1358.5349},{"sentences":[{"text":"Not too concerned about it.","start":1358.9149,"end":1360.355,"sentiment":"neutral","sentiment_score":-0.17037380635738372},{"text":"It's just kind of down by about 1%.","start":1360.355,"end":1362.51,"sentiment":"negative","sentiment_score":-0.38499385118484497},{"text":"So so not too bad.","start":1362.59,"end":1363.97,"sentiment":"neutral","sentiment_score":-0.018155588209629057},{"text":"The other one that is down is the one that I wanna look at changing for you.","start":1364.67,"end":1369.0701,"sentiment":"neutral","sentiment_score":0.008053490344215842},{"text":"So, obviously, with your investment, the good thing with hub twenty four is that there is hundreds of different options for us to choose from, which means that we want to obviously be proactive with your investments because things are always changing.","start":1369.0701,"end":1382.925,"sentiment":"positive","sentiment_score":0.4036813373012202}],"sentiment":"neutral","sentiment_score":0.1697263340284298,"channel":0,"num_words":77,"start":1358.9149,"end":1382.925},{"sentences":[{"text":"The markets are always changing.","start":1382.925,"end":1384.4651,"sentiment":"neutral","sentiment_score":0.12854463160037993},{"text":"Investments are always changing.","start":1384.525,"end":1386.2251,"sentiment":"neutral","sentiment_score":0.18569671362638474},{"text":"So we wanna make sure we do stay proactive with your investments.","start":1386.685,"end":1389.905,"sentiment":"positive","sentiment_score":0.36933302879333496},{"text":"And if we do foresee one investment underperforming a little bit and we don't think it's gonna come back around as as quickly or being the best option for you moving forward, we do wanna look at, obviously, changing things for you.","start":1390.045,"end":1404.04,"sentiment":"neutral","sentiment_score":0.08546764169642258},{"text":"So the investment committee have done a lot of research on this one particular investment, which is called your Benelong Australian equity.","start":1404.5,"end":1412.805,"sentiment":"neutral","sentiment_score":0.11514710838144476}],"sentiment":"neutral","sentiment_score":0.14047510227845872,"channel":0,"num_words":85,"start":1382.925,"end":1412.805},{"sentences":[{"text":"So how that one work, Derek, is that they are actively buying and selling different investments in order to try to outperform the market.","start":1413.5851,"end":1418.9551,"sentiment":"neutral","sentiment_score":0.07731840743993719},{"text":"They They have been very successful in doing so, but more recently, they have been a little bit slower in making those decisions.","start":1418.9551,"end":1430.54,"sentiment":"neutral","sentiment_score":-0.15881387889385223},{"text":"And one kind of contributing factor to why they are underperforming a bit at the moment is that one of the companies that they had in their portfolio is called the Corporate Travel Group.","start":1431.24,"end":1443.4551,"sentiment":"neutral","sentiment_score":-0.1724497695617816},{"text":"I'm not sure if you've heard of them.","start":1443.4551,"end":1445.31,"sentiment":"neutral","sentiment_score":-0.08009370462968946}],"sentiment":"neutral","sentiment_score":-0.0932710026757101,"channel":0,"num_words":89,"start":1413.5851,"end":1445.31},{"sentences":[{"text":"No.","start":1445.995,"end":1446.495,"sentiment":"neutral","sentiment_score":-0.16311047971248627}],"sentiment":"neutral","sentiment_score":-0.16311047971248627,"channel":1,"num_words":1,"start":1445.995,"end":1446.495},{"sentences":[{"text":"No.","start":1446.91,"end":1447.39,"sentiment":"neutral","sentiment_score":-0.1807637065649033},{"text":"So, essentially, they had that company had a bit of issues with that reporting, which actually meant that they were basically put on freeze.","start":1447.39,"end":1455.5701,"sentiment":"neutral","sentiment_score":-0.28626088115076226},{"text":"So you couldn't buy or sell anything.","start":1455.7101,"end":1457.55,"sentiment":"neutral","sentiment_score":-0.2558854158435549},{"text":"They were just while they were getting their kind of books investigated.","start":1457.55,"end":1460.6101,"sentiment":"neutral","sentiment_score":-0.21956102550029755},{"text":"So because of that, obviously, it did see the share prices drop a little bit.","start":1461.495,"end":1465.515,"sentiment":"neutral","sentiment_score":-0.29754838943481443}],"sentiment":"neutral","sentiment_score":-0.27017255784091304,"channel":0,"num_words":59,"start":1446.91,"end":1465.515},{"sentences":[{"text":"The good thing is that you are not invested directly in that.","start":1465.8151,"end":1468.695,"sentiment":"neutral","sentiment_score":0.28964686890443164},{"text":"You are just invested in Benelung, and we can get you out of Benelung and move","start":1468.695,"end":1472.375,"sentiment":"neutral","sentiment_score":0.3310892079025507}],"sentiment":"neutral","sentiment_score":0.3133282054747854,"channel":0,"num_words":28,"start":1465.8151,"end":1472.375},{"sentences":[{"text":"Mhmm.","start":1472.375,"end":1472.875,"sentiment":"neutral","sentiment_score":0.17506316304206848}],"sentiment":"neutral","sentiment_score":0.17506316304206848,"channel":1,"num_words":1,"start":1472.375,"end":1472.875},{"sentences":[{"text":"you to something else, which is good.","start":1472.375,"end":1474.9099,"sentiment":"neutral","sentiment_score":0.3143439697367804},{"text":"So that is the investment.","start":1475.13,"end":1476.4099,"sentiment":"positive","sentiment_score":0.34870023727416993},{"text":"If you are happy for us to do so, that we would like to just look at changing.","start":1476.4099,"end":1480.35,"sentiment":"positive","sentiment_score":0.3998333199156655}],"sentiment":"positive","sentiment_score":0.3713636244336764,"channel":0,"num_words":30,"start":1472.375,"end":1480.35},{"sentences":[{"text":"Yeah.","start":1481.0149,"end":1481.2549,"sentiment":"neutral","sentiment_score":0.21175548434257507}],"sentiment":"neutral","sentiment_score":0.21175548434257507,"channel":1,"num_words":1,"start":1481.0149,"end":1481.2549},{"sentences":[{"text":"Now","start":1481.13,"end":1481.63,"sentiment":"neutral","sentiment_score":0.24472762644290924}],"sentiment":"neutral","sentiment_score":0.24472762644290924,"channel":0,"num_words":1,"start":1481.13,"end":1481.63},{"sentences":[{"text":"That's 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questions in regards to any of that?","start":1567.37,"end":1569.63,"sentiment":"neutral","sentiment_score":0.04528066702187061}],"sentiment":"neutral","sentiment_score":0.20592726380206072,"channel":0,"num_words":52,"start":1552.765,"end":1569.63},{"sentences":[{"text":"No.","start":1570.1,"end":1570.5,"sentiment":"neutral","sentiment_score":-0.06710296869277954},{"text":"It's taking good time.","start":1570.5,"end":1571.5599,"sentiment":"neutral","sentiment_score":-0.021266741678118706}],"sentiment":"neutral","sentiment_score":-0.030433987081050873,"channel":1,"num_words":5,"start":1570.1,"end":1571.5599},{"sentences":[{"text":"No.","start":1571.785,"end":1571.865,"sentiment":"neutral","sentiment_score":0.057304661720991135},{"text":"Yep.","start":1571.865,"end":1572.265,"sentiment":"neutral","sentiment_score":0.21161192655563352},{"text":"Beautiful.","start":1572.265,"end":1572.765,"sentiment":"positive","sentiment_score":0.3944874703884125},{"text":"Now the other documents you will see is another Vanguard index chart.","start":1573.0651,"end":1577.145,"sentiment":"neutral","sentiment_score":0.15546431268254915},{"text":"You probably saw this last year.","start":1577.145,"end":1579.0851,"sentiment":"neutral","sentiment_score":0.12292700260877609}],"sentiment":"neutral","sentiment_score":0.15554942030991828,"channel":0,"num_words":21,"start":1571.785,"end":1579.0851},{"sentences":[{"text":"It is one that we like to include.","start":1579.305,"end":1581.0651,"sentiment":"neutral","sentiment_score":0.17794732376933098},{"text":"They do update it every single year, which is good to kind of reflect the market fluctuation.","start":1581.0651,"end":1585.725,"sentiment":"neutral","sentiment_score":0.2722503043272916},{"text":"Basically, when you have a look at it, you will see market always goes up.","start":1586.85,"end":1590.39,"sentiment":"neutral","sentiment_score":0.13601077248652776},{"text":"The short term, depending on what is happening in the world, you will have those ups and downs and market fluctuations.","start":1590.45,"end":1595.83,"sentiment":"neutral","sentiment_score":0.06315710785843077}],"sentiment":"neutral","sentiment_score":0.15439827239415685,"channel":0,"num_words":61,"start":1579.305,"end":1595.83},{"sentences":[{"text":"Yeah.","start":1595.98,"end":1596.48,"sentiment":"neutral","sentiment_score":0.0967973619699478}],"sentiment":"neutral","sentiment_score":0.0967973619699478,"channel":1,"num_words":1,"start":1595.98,"end":1596.48},{"sentences":[{"text":"Yep.","start":1597.17,"end":1597.67,"sentiment":"neutral","sentiment_score":0.1058945655822754},{"text":"You will also have just another copy of that financial services guide again.","start":1597.97,"end":1602.675,"sentiment":"neutral","sentiment_score":0.11614367652397889},{"text":"Now nothing has really changed.","start":1602.735,"end":1604.675,"sentiment":"neutral","sentiment_score":-0.08925395607948303},{"text":"All the important information is still in there for you.","start":1604.735,"end":1607.715,"sentiment":"positive","sentiment_score":0.36188664734363557},{"text":"We've had an update to marketing, which is great, and a bit of an extension to the team.","start":1608.015,"end":1612.655,"sentiment":"positive","sentiment_score":0.7109991245799594}],"sentiment":"positive","sentiment_score":0.3741775169334513,"channel":0,"num_words":47,"start":1597.17,"end":1612.655},{"sentences":[{"text":"So if you do have a read through it, you will see the directors and all the advices.","start":1612.655,"end":1616.77,"sentiment":"positive","sentiment_score":0.3518573608663347},{"text":"You will see myself on page 10 as well if you do wanna put a face to the boys.","start":1617.3099,"end":1621.89,"sentiment":"neutral","sentiment_score":0.2861438173996775},{"text":"Now","start":1624.27,"end":1624.77,"sentiment":"neutral","sentiment_score":0.1821371614933014}],"sentiment":"neutral","sentiment_score":0.3145342680968736,"channel":0,"num_words":38,"start":1612.655,"end":1624.77},{"sentences":[{"text":"Okay.","start":1624.275,"end":1624.775,"sentiment":"neutral","sentiment_score":0.1757829785346985}],"sentiment":"neutral","sentiment_score":0.1757829785346985,"channel":1,"num_words":1,"start":1624.275,"end":1624.775},{"sentences":[{"text":"the now there there are two documents that it will ask you to sign if you are happy to do so.","start":1624.91,"end":1630.185,"sentiment":"neutral","sentiment_score":0.12085602751799993},{"text":"Now one is a tax file number opt in form.","start":1630.505,"end":1634.3651,"sentiment":"neutral","sentiment_score":0.13494718596339225},{"text":"It is basically just a compliance form to say that we are keeping your tax file number secure and safe on file.","start":1634.7451,"end":1642.045,"sentiment":"neutral","sentiment_score":0.2327431711283597},{"text":"The","start":1643.7999,"end":1644.2999,"sentiment":"neutral","sentiment_score":0.1038883849978447}],"sentiment":"neutral","sentiment_score":0.16873493680247553,"channel":0,"num_words":54,"start":1624.91,"end":1644.2999},{"sentences":[{"text":"Yeah.","start":1644.105,"end":1644.605,"sentiment":"neutral","sentiment_score":0.13751628994941711}],"sentiment":"neutral","sentiment_score":0.13751628994941711,"channel":1,"num_words":1,"start":1644.105,"end":1644.605},{"sentences":[{"text":"other one, it is just your ongoing service agreement.","start":1644.36,"end":1648.1399,"sentiment":"neutral","sentiment_score":0.1351869139406416},{"text":"The same as per last year, it is just a form to say that you are happy to stay on as a client.","start":1648.44,"end":1654.86,"sentiment":"positive","sentiment_score":0.3604526616956877},{"text":"Now we have had no changes in regards to the fee structure, which is good.","start":1655.6151,"end":1659.9551,"sentiment":"positive","sentiment_score":0.37414167523384095},{"text":"So that stays exactly the same at that 1.65 from super.","start":1660.0951,"end":1664.8151,"sentiment":"positive","sentiment_score":0.4297536584463986},{"text":"So it hasn't changed at all, which is good.","start":1664.8151,"end":1667.395,"sentiment":"positive","sentiment_score":0.5025497542487251}],"sentiment":"positive","sentiment_score":0.3637232328973599,"channel":0,"num_words":67,"start":1644.36,"end":1667.395},{"sentences":[{"text":"And it is not a lock in contract.","start":1667.5901,"end":1669.53,"sentiment":"neutral","sentiment_score":0.08815605659037828},{"text":"So if at any point in time, you are not happy, it is not a lock in contract.","start":1669.5901,"end":1674.01,"sentiment":"neutral","sentiment_score":0.03938841592106554},{"text":"It just gets deducted on a monthly basis for you to give you that flexibility.","start":1674.39,"end":1678.81,"sentiment":"neutral","sentiment_score":0.20075850437084833},{"text":"But by signing that document, it essentially allows us to manage all your investments and insurances and everything for you in the meantime.","start":1680.315,"end":1687.455,"sentiment":"neutral","sentiment_score":0.29335549020248913},{"text":"Does that make 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Derek.","start":1691.275,"end":1697.41,"sentiment":"neutral","sentiment_score":0.24791962131857873},{"text":"Do you have any questions for me while you got me on the phone?","start":1697.79,"end":1701.5701,"sentiment":"neutral","sentiment_score":0.0748208508427654}],"sentiment":"neutral","sentiment_score":0.18722799140959978,"channel":0,"num_words":36,"start":1689.9149,"end":1701.5701},{"sentences":[{"text":"No.","start":1701.925,"end":1702.325,"sentiment":"neutral","sentiment_score":-0.0631905049085617},{"text":"I haven't.","start":1702.325,"end":1702.725,"sentiment":"neutral","sentiment_score":-0.07372904941439629},{"text":"I've just 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moment.","start":1717.725,"end":1720.305,"sentiment":"neutral","sentiment_score":0.1085241769368832}],"sentiment":"neutral","sentiment_score":0.11213262239471078,"channel":0,"num_words":16,"start":1717.005,"end":1720.305},{"sentences":[{"text":"Yeah.","start":1720.5299,"end":1720.85,"sentiment":"neutral","sentiment_score":0.031710609793663025},{"text":"I'll have a look at them,","start":1720.85,"end":1721.89,"sentiment":"neutral","sentiment_score":0.1562743770579497}],"sentiment":"neutral","sentiment_score":0.1384795531630516,"channel":1,"num_words":7,"start":1720.5299,"end":1721.89},{"sentences":[{"text":"Yep.","start":1721.7,"end":1722.2,"sentiment":"neutral","sentiment_score":0.06188926100730896}],"sentiment":"neutral","sentiment_score":0.06188926100730896,"channel":0,"num_words":1,"start":1721.7,"end":1722.2},{"sentences":[{"text":"tomorrow, something like that.","start":1722.21,"end":1723.25,"sentiment":"neutral","sentiment_score":0.0703729260712862},{"text":"Yeah.","start":1723.25,"end":1723.75,"sentiment":"neutral","sentiment_score":0.1262127161026001}],"sentiment":"neutral","sentiment_score":0.08154088407754898,"channel":1,"num_words":5,"start":1722.21,"end":1723.75},{"sentences":[{"text":"Yep.","start":1723.7,"end":1724.2,"sentiment":"neutral","sentiment_score":0.19424943625926971},{"text":"Beautiful.","start":1724.26,"end":1724.74,"sentiment":"positive","sentiment_score":0.7520846128463745},{"text":"And just keep a lookout for that record of advice, and then I'll get my team to email you those beneficiary forms so we can get that sorted for you as well.","start":1724.74,"end":1731.64,"sentiment":"positive","sentiment_score":0.3812278211116791}],"sentiment":"positive","sentiment_score":0.38663600954939337,"channel":0,"num_words":34,"start":1723.7,"end":1731.64},{"sentences":[{"text":"Yep.","start":1731.3251,"end":1731.805,"sentiment":"neutral","sentiment_score":0.22572116553783417},{"text":"Sounds right.","start":1731.805,"end":1732.365,"sentiment":"positive","sentiment_score":0.45557504892349243},{"text":"Thank","start":1732.365,"end":1732.605,"sentiment":"positive","sentiment_score":0.6663457751274109}],"sentiment":"positive","sentiment_score":0.4508042596280575,"channel":1,"num_words":4,"start":1731.3251,"end":1732.605},{"sentences":[{"text":"Yep.","start":1732.42,"end":1732.8269,"sentiment":"positive","sentiment_score":0.4574544131755829}],"sentiment":"positive","sentiment_score":0.4574544131755829,"channel":0,"num_words":1,"start":1732.42,"end":1732.8269},{"sentences":[{"text":"you.","start":1732.605,"end":1733.105,"sentiment":"positive","sentiment_score":0.5769462585449219}],"sentiment":"positive","sentiment_score":0.5769462585449219,"channel":1,"num_words":1,"start":1732.605,"end":1733.105},{"sentences":[{"text":"Beautiful.","start":1733.0669,"end":1733.5469,"sentiment":"positive","sentiment_score":0.8090528249740601},{"text":"Thank you so much for your time today, and you enjoy the rest of your day.","start":1733.5469,"end":1736.7668,"sentiment":"positive","sentiment_score":0.8530164584517479}],"sentiment":"positive","sentiment_score":0.850430362364825,"channel":0,"num_words":17,"start":1733.0669,"end":1736.7668},{"sentences":[{"text":"Thank you.","start":1736.845,"end":1737.405,"sentiment":"positive","sentiment_score":0.7486786842346191},{"text":"You too.","start":1737.405,"end":1737.885,"sentiment":"positive","sentiment_score":0.5049116611480713}],"sentiment":"positive","sentiment_score":0.6267951726913452,"channel":1,"num_words":4,"start":1736.845,"end":1737.885},{"sentences":[{"text":"Mhmm.","start":1737.7068,"end":1738.2068,"sentiment":"neutral","sentiment_score":0.2229393869638443}],"sentiment":"neutral","sentiment_score":0.2229393869638443,"channel":0,"num_words":1,"start":1737.7068,"end":1738.2068},{"sentences":[{"text":"Good on you.","start":1737.885,"end":1738.785,"sentiment":"positive","sentiment_score":0.6721052924791971}],"sentiment":"positive","sentiment_score":0.6721052924791971,"channel":1,"num_words":3,"start":1737.885,"end":1738.785},{"sentences":[{"text":"No worries.","start":1739.1469,"end":1739.7069,"sentiment":"positive","sentiment_score":0.383222296833992},{"text":"Thanks, Derek.","start":1739.7069,"end":1740.5269,"sentiment":"positive","sentiment_score":0.5871334075927734}],"sentiment":"positive","sentiment_score":0.4851778522133827,"channel":0,"num_words":4,"start":1739.1469,"end":1740.5269},{"sentences":[{"text":"Bye.","start":1740.925,"end":1741.245,"sentiment":"positive","sentiment_score":0.38700127601623535}],"sentiment":"positive","sentiment_score":0.38700127601623535,"channel":1,"num_words":1,"start":1740.925,"end":1741.245},{"sentences":[{"text":"Bye.","start":1741.2269,"end":1741.7269,"sentiment":"neutral","sentiment_score":0.2129411548376083}],"sentiment":"neutral","sentiment_score":0.2129411548376083,"channel":0,"num_words":1,"start":1741.2269,"end":1741.7269},{"sentences":[{"text":"Bye.","start":1741.245,"end":1741.745,"sentiment":"neutral","sentiment_score":-0.11748376488685608}],"sentiment":"neutral","sentiment_score":-0.11748376488685608,"channel":1,"num_words":1,"start":1741.245,"end":1741.745}]},"summary":{"result":"success","short":"The representative from Financial discusses Derek's annual review and insurance policy with him, including his retirement status, marital status, and health and lifestyle information. They also discuss the process of nominating a beneficiary and risk tolerance. The agent provides advice on risk tolerance and recommends staying in the market for fluctuations in the market. They also discuss the performance of investments and the importance of staying in the market. The agent provides information on a Vanguard index chart and reminds Derek to sign necessary documents and keep a lookout for the record of advice."},"intents":{"segments":[{"text":"I was just my wife was speaking to me. The insurance sort of money insurance that he goes to 66. Is that correct? Or Her her what?","start_word":192,"end_word":218,"intents":[{"intent":"Check insurance coverage","confidence_score":0.1747666}]},{"text":"So for you, your life insurance will be 75. Alright. Yep.","start_word":430,"end_word":440,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.060632713}]},{"text":"It is different, though, so it's not designed to cover your loss of income, but it Yeah. is a policy that it will pay you out a lump sum if you suffer, like, a traumatic event, like cancer, stroke, heart attack, neurological condition.","start_word":728,"end_word":770,"intents":[{"intent":"Inform about policy details","confidence_score":0.00095722446}]},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any changes to your health in the last twelve months? Any significant health issues?","start_word":1430,"end_word":1466,"intents":[{"intent":"Update health and lifestyle","confidence_score":0.033617325}]},{"text":"And do you have private health insurance? Yep.","start_word":1475,"end_word":1482,"intents":[{"intent":"Gather insurance information","confidence_score":0.000063680935}]},{"text":"So, basically, what the forms are and they do they are important because if something were to happen to you, it lets you nominate who you want to receive the benefits. It streamlines, obviously, the estate process if something ever were to happen, but then also takes away, obviously, potential conflicts or anything like that with other people trying to to, you know, make a claim or anything. So no.","start_word":1562,"end_word":1631,"intents":[{"intent":"Send forms","confidence_score":0.019781657}]},{"text":"Do you have access to a printer at all, Derek?","start_word":1673,"end_word":1682,"intents":[{"intent":"Ensure access to printer","confidence_score":0.0022091914}]},{"text":"And if you do, obviously, nominate, Melinda as she is your spouse, everything will be tax free to her as well, which is good. Yep.","start_word":1763,"end_word":1787,"intents":[{"intent":"Ensure compliance with tax","confidence_score":0.00017856494}]},{"text":"Now when it comes to Yes. your superannuation as well, I'll do quickly just run through just a couple of multiple choice questions just to see if your risk tolerance has changed to how we invest your money. Now some of it can be a bit tricky, and it's all kind of hypothetical situations, which can be a little bit hard as well. But just kind of think of what you feel is the most appropriate Yep. for you.","start_word":1858,"end_word":1936,"intents":[{"intent":"Strategize superannuation","confidence_score":0.0008455048}]},{"text":"So are you still kind of comfortable to maintain that level of risk there, Derek? Yeah.","start_word":2328,"end_word":2343,"intents":[{"intent":"Ensure safety","confidence_score":0.0028150666}]},{"text":"Now what you will see in the document is a a couple of documents. The first one is a super and insurance summary. Now it shows you as well that you have your superannuation with hub twenty four.","start_word":2501,"end_word":2538,"intents":[{"intent":"Provide documents","confidence_score":0.067931585}]},{"text":"Now the next document then shows you your kind of performance with your investments. It shows you in the last twelve months how each investments have performed and how much you actually have invested in each option.","start_word":2673,"end_word":2709,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.0034287816}]},{"text":"So what we have found is one that's called your BetaShares Australia two hundred. It is a little bit more simplified in that, basically, it just invests in the 200 largest companies listed in Australia. So you'll have all the big banks, Woolworths, BHP, stuff like that. They're very diversified. You don't have, like, heaps of money in one company. It is across 200 companies.","start_word":3354,"end_word":3418,"intents":[{"intent":"Simplify investment options","confidence_score":0.009659042}]},{"text":"the now there there are two documents that it will ask you to sign if you are happy to do so.","start_word":3741,"end_word":3761,"intents":[{"intent":"Discuss and sign documents","confidence_score":0.0011932462}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Derek? Yeah. It is. Yeah. This is Veronica from Financial. How are you? Yeah.","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.16233815252780914},{"text":"Not too bad. Thanks. That's good. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":19,"end_word":43,"sentiment":"positive","sentiment_score":0.4738719165325165},{"text":"Yeah. I'm just yeah. Just give me sort of a couple of minutes. I'm just loading the truck here, and I'll be with you. So I'll just have Yeah. to listen Sure. to the two o for a minute, but then I'll be with you. Yeah. If you wanna just hold there for a Yeah. No worries. Take your time. bit. Got it.","start_word":44,"end_word":106,"sentiment":"neutral","sentiment_score":0.06620953977108002},{"text":"Thank you.","start_word":107,"end_word":108,"sentiment":"positive","sentiment_score":0.3938688933849334},{"text":"Yeah. Sorry about that.","start_word":109,"end_word":112,"sentiment":"neutral","sentiment_score":0.24726822972297668},{"text":"Thank you. I'm good to go.","start_word":113,"end_word":118,"sentiment":"positive","sentiment_score":0.49108076095581055},{"text":"Hello? Oh, yep. You can hear me? Yeah. Yeah. Yeah. Yes. No no worries, Derek. Now before I do kind of jump into things, I do like to start by asking if there is anything specific that 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's at? Yeah. Pretty much. I was just my wife was speaking to me. The insurance sort of money insurance that he goes to 66. Is that correct? Or Her her what? Sorry. Or The insure hang Yes. on. The insurance is only It is until dependent I on each insurer his and which age type of is insurer you 60 are talking about. six. He what? It is dependent. So each insurer do have slightly different rules, but it also Yep. depends on if you are talking about life insurance, TPD insurance, or income protection insurance because that, again, is all different depending on which one you have. Alright. Yeah. So let me see if I can quickly find for you what that would be. Do you know which one she's with at all? Oh, I can't remember what was in the policy, what she said, but she said it's only insured for the 56, which yeah. I don't know. That'd be the the details in it. Yeah. Now let me see because I do have it here. Let me see because, yeah, it is each insurer do it slightly differently. And then, yeah, also, it depends on sorry. Life insurance tend to go for the longest, PPD slightly shorter, and then income protection slightly shorter again. So let Yeah. me see if I can find for you.","start_word":119,"end_word":415,"sentiment":"neutral","sentiment_score":-0.010275277200935766},{"text":"Good Okay. So you are with MetLife. You have it luck.","start_word":416,"end_word":426,"sentiment":"positive","sentiment_score":0.46492570638656616},{"text":"Yeah. inside super. So for you, your life insurance will be 75. Alright. Yep. Your TPD insurance will also be 75, and And what was that one? tape so total permanent disability insurance. Oh, right. Yep. Yep. So that is 75, and then income protection is 65. Yes. Do you have any questions in regards to that? Yeah. Yeah. And just get hard to check as well. So, obviously, because income protection is obviously designed to cover your income if you are temporarily unable to work. The reason Yeah. Yeah. why most of them do kind of stop around 65, and that is pretty consistent across all retail insurers, is because most Yeah. Yep. people at 65 are either retired or working reduced hours, and you can draw an income from your superannuation as well. So that is why they do it, but then also, obviously, their job is to assess risk. Right? So the older you get, the higher probability of of that as well. Yes. But your life and TPD will be 75. Yes. 65. Yes. So that is when it stops, but you can obviously cancel it earlier if you wanted to. But that is that is essentially when it ceases. So you don't sort of renew it after that, after 65, or you're we supposed to go after that? Yeah. So after 65, there is no insurer that would offer income protection. They would just say due to age, they won't offer it. So it will kind of expire. Yeah. Yep. So if it is where you do wanna look at some cover, it is different, though. Yeah. It's like where your trauma insurance. If after 65, you feel like, oh, like, you're you wanna have a different kind of insurance, it would then be trauma. It is different, though, so it's not designed to cover your loss of income, but it Yeah. is a policy that it will pay you out a lump sum if you suffer, like, a traumatic event, like cancer, stroke, heart attack, neurological condition.","start_word":427,"end_word":769,"sentiment":"neutral","sentiment_score":-0.062363334282494146},{"text":"So it is still a good policy.","start_word":770,"end_word":776,"sentiment":"positive","sentiment_score":0.5365723371505737},{"text":"They tend to go between more so up to $70.75. There is one provider that goes up to 80 if that's you know? So if you do get close to obviously $2.65 and you are worried about, obviously, that income protection ceasing and you're still working, then we Yeah. can look at other ways to kind of support you with some form of insurance or different kind of, I guess, investments for that purpose. Yep. Does that answer that question? Yep. Yep. Perfect. But get her to check as well who her insurer is and then if she was referring to that income protection or not because, yeah, it is slightly different for each provider. Yep. Yeah. Perfect. Now what I will do with you first, Derek, is just to kind of go through just a bit of an updated fact find 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 kind of bear with me as I run through this. Now I have here that last time we spoke to you, you were engaged in planning the wedding. So you guys did get married? Yeah. It did. Yeah. Yep. Oh, lovely. When did you guys get married? Oh, beautiful.","start_word":777,"end_word":996,"sentiment":"neutral","sentiment_score":0.029822202399373055},{"text":"Well, congratulations. Thank Now you.","start_word":997,"end_word":1001,"sentiment":"positive","sentiment_score":0.4213096499443054},{"text":"I have here next up kin, Melinda. That'll be your wife? Yeah. Yep. Yep. Perfect. And her name has sorry. Her phone number hasn't changed. It still ends on 177. Yeah. That's correct. Yeah. Yeah. Okay. Perfect. Now I do also wanna just confirm your your email hasn't changed or your address is still there, 33 Cooker 2 Place Springfield. Yep. Yep. Yep. Beautiful. Now dependents, I have here two children Yep. currently. That's the case? Yep. Perfect. And employment wise, obviously, still a truck driver? Yep. Yep.","start_word":1002,"end_word":1089,"sentiment":"neutral","sentiment_score":0.06795583733103493},{"text":"Perfect. I'm still enjoying it.","start_word":1090,"end_word":1094,"sentiment":"positive","sentiment_score":0.7067025303840637},{"text":"Yeah. Pays the bills. Have you been impacted a lot with, obviously, the fuel prices and everything recently? Yeah. But you're still kind of obviously, it's still going okay with the business and everything? Yeah. Yeah. Yeah. Yeah. Please Yeah. keep it a watch day. Yep.","start_word":1095,"end_word":1140,"sentiment":"neutral","sentiment_score":0.05489714816212654},{"text":"Oh, that's good.","start_word":1141,"end_word":1143,"sentiment":"positive","sentiment_score":0.4417122006416321},{"text":"Because I do have quite Good. a few clients who are truck drivers or garbage truck drivers, like, different type of truck drivers, long distance, short distance, and some people have been let go, and some are Yeah. still kind of being hanging in there. Yeah.","start_word":1144,"end_word":1189,"sentiment":"neutral","sentiment_score":0.0549074113368988},{"text":"Oh, that's good that you're doing okay.","start_word":1190,"end_word":1196,"sentiment":"positive","sentiment_score":0.4280131459236145},{"text":"Now income wise, I have here last time you were paying yourself about a 100,000. Does that sound about right? Yep. Perfect. And at the moment, you're not making any contributions into super? No. Yeah. No. And and most people are the same right now as well, obviously, with, yeah, increasing fuel prices, increasing living costs. It's one of those things that's on on pause at the moment. That's all good. Now are you guys saving much at the moment, or does most things kind of go to bills and expenses? I think they'll do it better Yep. than Asset wise, I have here your motor vehicle vied at about yep. 50,000. Yes. Yep. Yep. And you don't have anything owing Alright. on that one, do you? Alright. No. Perfect. Also, savings about $70. You got that. Yes. About that. Perfect. And then also some physical silver, about 40. Yeah. Yeah. Yeah. That's correct. Yeah. Perfect. Now do you have any other new assets in the last twelve months we haven't kind of touched on? We thought yeah. Not really at the moment. No. We just No? sort of pretty much taken along what we've got here. Okay. And do you have any, like, other liabilities, like credit cards or personal loans or anything? Nothing. No. Great. And you've never been bankrupt or been under a part nine debt agreement? No. Beautiful. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Yep. And have you had any changes to your health in the last twelve months? Any significant health issues? No.","start_word":1197,"end_word":1466,"sentiment":"neutral","sentiment_score":-0.00828995036168231},{"text":"Beautiful. That's what I like to hear. Good.","start_word":1467,"end_word":1474,"sentiment":"positive","sentiment_score":0.46492189168930054},{"text":"And do you have private health insurance? Yep. Yep. Okay.","start_word":1475,"end_word":1484,"sentiment":"neutral","sentiment_score":0.1402520090341568},{"text":"Perfect.","start_word":1485,"end_word":1485,"sentiment":"positive","sentiment_score":0.40695255994796753},{"text":"Now when it comes to estate planning, do you have a will or power of attorney in place? We haven't got that yet that far with the will. So yeah. Yep. On the to do list. Yeah. Yep. Now when it comes to, obviously, your superannuation and your insurances, Now at the moment, I don't actually have a nomination on file for you. Do you remember receiving those in the post at all? No. That's okay. So, basically, what the forms are and they do they are important because if something were to happen to you, it lets you nominate who you want to receive the benefits. It streamlines, obviously, the estate process if something ever were to happen, but then also takes away, obviously, potential conflicts or anything like that with other people trying to to, you know, make a claim or anything. So no. I don't I can't see it here, and I'm in your hub 24 triple checking as well. Sorry. Sometimes with us post if you did send it back. You're not too too far away, though. Sorry. You should have got here. Do you have access to a printer at all, Derek? Yeah. I do. Yeah. Yeah? Because what I can do, just so you don't have to if you already have completed it once, just so you don't have to keep redoing it, is that I can get the team to email you the copies. That way, Yep. you can just print them off when you have a moment, complete them, and then email them back. Then that way, we know for sure that we get them back. Yep. Yep.","start_word":1486,"end_word":1761,"sentiment":"neutral","sentiment_score":0.06727422028779984},{"text":"Perfect. And if you do, obviously, nominate, Melinda as she is your spouse, everything will be tax free to her as well, which is good.","start_word":1762,"end_word":1786,"sentiment":"positive","sentiment_score":0.386359840631485},{"text":"Yep. Yep.","start_word":1787,"end_word":1788,"sentiment":"neutral","sentiment_score":0.21897831559181213},{"text":"Beautiful.","start_word":1789,"end_word":1789,"sentiment":"positive","sentiment_score":0.5158278942108154},{"text":"Now I guess when it comes to kind of goals, stuff that you are working towards that you are wanting to achieve, Last time, it was focusing on the upcoming wedding, which you've obviously had, and then just kind of keep building up savings, maybe Yes. look at buying a house in the future. Is that still kind of the main goals for you? Yep. Yep.","start_word":1790,"end_word":1855,"sentiment":"neutral","sentiment_score":0.10326626896858215},{"text":"Okay. Great.","start_word":1856,"end_word":1857,"sentiment":"positive","sentiment_score":0.506301999092102},{"text":"Now when it comes to Yes. your superannuation as well, I'll do quickly just run through just a couple of multiple choice questions just to see if your risk tolerance has changed to how we invest your money. Now some of it can be a bit tricky, and it's all kind of hypothetical situations, which can be a little bit hard as well. But just kind of think of what you feel is the most appropriate Yep. for you. And, obviously, knowing that superannuation is locked in until you meet that kind of condition of release. And at the moment, are you still kind of planning on working till '67? Is that still kind of the plan? Yeah. 6065. Okay.","start_word":1858,"end_word":1977,"sentiment":"neutral","sentiment_score":0.07485821843147278},{"text":"Perfect.","start_word":1978,"end_word":1978,"sentiment":"positive","sentiment_score":0.3876369595527649},{"text":"Now just so you do know, with the current legislation, if you decide to retire and stop working, you can actually access all of your super tax rate at 60 if you stop working. Oh, okay. Yep. Yep. Obviously, the the thing to be mindful of, if you do decide to stop at 60, take out everything, then, obviously, you wanna make sure that it lasts, obviously, through retirement, and then potential age pension wouldn't kick in till 67. So that's obviously something to be mindful of. But if you do decide that, no, you don't wanna work anymore, you can take it out at 60. Yeah. Okay. Yeah. Yeah. Alright. Perfect. Now, Derek, have you ever bought direct shares or invested in the stock market yourself? No. I haven't. Nope. And when it comes to the the level of risk that you are comfortable with for your superannuation, would you say that at the moment, you are happy to accept very high risk to grow your super, just Yeah. high risk yes? Still the same? Alright. Still all the same. Okay. Yeah. Because at the moment, we do have you invested in a growth portfolio, Yeah. which essentially means that, you know, it is targeted for investors who are looking at getting as much growth out of their superannuation while you still have, you know, still point of time until we do retire. Also, for people who do understand and are comfortable, but that short term, depending on, obviously, what's going on in the world and the market, there will be some level of fluctuation in order Yeah. to, you know, long term get you that growth. And when it comes to how your money is actually invested, we typically see 90% invested in those growth investments, which is a combination of your Australian shares, your international shares, and property as well. And that is basically what's going to give you that growth. But then we still have about 10% in defensive, like your cash, your fixed interest, bit of gold as well to try not limit fluctuations. So are you still kind of comfortable to maintain that level of risk there, Derek? Yeah.","start_word":1979,"end_word":2343,"sentiment":"neutral","sentiment_score":0.06548527947894922},{"text":"Yep. Beautiful.","start_word":2344,"end_word":2345,"sentiment":"positive","sentiment_score":0.511832058429718},{"text":"And, also, from a time frame point of view, what we consider is making sure that you have enough time in the market for those fluctuations. And in a high growth portfolio, typically, we'd like to see about eight years or so until retirement, which you do have behind you. So from a time frame point of view, it's still very suitable for you. Yeah. Alright.","start_word":2346,"end_word":2411,"sentiment":"neutral","sentiment_score":0.25663959980010986},{"text":"Perfect.","start_word":2412,"end_word":2412,"sentiment":"positive","sentiment_score":0.481842577457428},{"text":"Now because I know you are driving, I won't get you to access your emails because it would not be safe to do so. But what I have done is I have sent you an email similar to last time just with some documents to kind of run through with you. Now, obviously, later when it's safe for you to do so and when you have a moment, just have a look through the documents. And if you then have any questions, just let me know. Yep.","start_word":2413,"end_word":2499,"sentiment":"neutral","sentiment_score":0.14685019850730896},{"text":"Perfect.","start_word":2500,"end_word":2500,"sentiment":"positive","sentiment_score":0.5488504767417908},{"text":"Now what you will see in the document is a a couple of documents. The first one is a super and insurance summary. Now it shows you as well that you have your superannuation with hub twenty four. Now last time we did your annual review, your super balance was at a 124,865. And at the moment, it's up at a 100 and 142,100. Yeah. Okay. Now, obviously, we've already touched on you do have insurance with MetLife, MetLife, and TPD. At the moment, you are covered for 630,000. You Yep. also have that income protection, which will pay you a monthly amount of 2,398. You have that shortest thirty day waiting period, and the benefit will last for five years. Because it's paid from within that super environment, you do get that 15% tax rebate. But the total premium for all three is 2,781. Now do you have any questions in regards to your insurances? Are you still happy with, like, the level of cover for now? Yeah. Yep. Yep.","start_word":2501,"end_word":2671,"sentiment":"neutral","sentiment_score":0.12582070959938896},{"text":"Perfect.","start_word":2672,"end_word":2672,"sentiment":"positive","sentiment_score":0.6093301773071289},{"text":"Now the next document then shows you your kind of performance with your investments. It shows you in the last twelve months how each investments have performed and how much you actually have invested in each option. So kind of like I touched on a little bit earlier, the last twelve months, we have seen, obviously, a bit of turbulence in the market. I'm sure you've heard on the news. Obviously, with the war, did see a bit of fluctuation and also everything going on in The US with, obviously, Trump and tariffs and everything did see a bit of fluctuations in the last twelve months. So, Yeah. obviously, being in a high growth portfolio, we can see a bit more fluctuations when do things do happen to the market.","start_word":2673,"end_word":2802,"sentiment":"neutral","sentiment_score":-0.04493655264377594},{"text":"The good thing is that your portfolio has still done pretty good considering the market fluctuations. So Yep. in the last twelve months, after fees, your portfolio has still gone up by 6.78%, which we are quite happy with given the market conditions and that you are in that high growth portfolio.","start_word":2803,"end_word":2854,"sentiment":"positive","sentiment_score":0.4326938390731811},{"text":"Yeah. Now with your investment story, there is one that I would like to look at changing for you. So when you have a look at it, you will see that most of your investments have done really well. There is two that is down at the moment. One is just slightly down, and that is your property investments. Obviously, the property market have been a little bit fluctuating as well. Not too concerned about it.","start_word":2855,"end_word":2930,"sentiment":"neutral","sentiment_score":0.02338316566065738},{"text":"It's just kind of down by about 1%.","start_word":2931,"end_word":2938,"sentiment":"negative","sentiment_score":-0.3812607228755951},{"text":"So so not too bad. The other one that is down is the one that I wanna look at changing for you.","start_word":2939,"end_word":2960,"sentiment":"neutral","sentiment_score":0.006701657548546791},{"text":"So, obviously, with your investment, the good thing with hub twenty four is that there is hundreds of different options for us to choose from, which means that we want to obviously be proactive with your investments because things are always changing.","start_word":2961,"end_word":3002,"sentiment":"positive","sentiment_score":0.3847513198852539},{"text":"The markets are always changing. Investments are always changing.","start_word":3003,"end_word":3011,"sentiment":"neutral","sentiment_score":0.15347808599472046},{"text":"So we wanna make sure we do stay proactive with your investments.","start_word":3012,"end_word":3023,"sentiment":"positive","sentiment_score":0.3717867136001587},{"text":"And if we do foresee one investment underperforming a little bit and we don't think it's gonna come back around as as quickly or being the best option for you moving forward, we do wanna look at, obviously, changing things for you. So the investment committee have done a lot of research on this one particular investment, which is called your Benelong Australian equity. So how that one work, Derek, is that they are actively buying and selling different investments in order to try to outperform the market. They They have been very successful in doing so, but more recently, they have been a little bit slower in making those decisions. And one kind of contributing factor to why they are underperforming a bit at the moment is that one of the companies that they had in their portfolio is called the Corporate Travel Group. I'm not sure if you've heard of them. No. No. So, essentially, they had that company had a bit of issues with that reporting, which actually meant that they were basically put on freeze. So you couldn't buy or sell anything. They were just while they were getting their kind of books investigated. So because of that, obviously, it did see the share prices drop a little bit. The good thing is that you are not invested directly in that. You are just invested in Benelung, and we can get you out of Benelung and move you Mhmm. to something else, which is good.","start_word":3024,"end_word":3272,"sentiment":"neutral","sentiment_score":-0.024707812815904617},{"text":"So that is the investment. If you are happy for us to do so, that we would like to just look at changing.","start_word":3273,"end_word":3295,"sentiment":"positive","sentiment_score":0.3850646913051605},{"text":"Yeah. Now That's fine. Yep.","start_word":3296,"end_word":3300,"sentiment":"neutral","sentiment_score":0.26726555824279785},{"text":"yeah. Perfect.","start_word":3301,"end_word":3302,"sentiment":"positive","sentiment_score":0.4821387529373169},{"text":"Now what we are looking at changing because, obviously, if we do remove one Australian investment, we still wanna make sure that you do have exposure to the Australian market. Just another option that's doing a little bit better, a little bit cheaper, and performing a little bit better for you. So what we have found is one that's called your BetaShares Australia two hundred. It is a little bit more simplified in that, basically, it just invests in the 200 largest companies listed in Australia. So you'll have all the big banks, Woolworths, BHP, stuff like that. They're very diversified. You don't have, like, heaps of money in one company. It is across 200 companies. So, obviously, Yes. it will be a little bit kind of smoother than that Benelon investment. Because you don't have that same kind of active and buying, it is a bit cheaper, which is good. So so, yes, if you're happy for us to do so, we would like to look at just doing a straight swap over for Ben along through $8,200, if you are comfortable with that. Yeah. Definitely. Yep. Yep. Yep. Yep.","start_word":3303,"end_word":3493,"sentiment":"neutral","sentiment_score":0.1803549975156784},{"text":"Beautiful.","start_word":3494,"end_word":3494,"sentiment":"positive","sentiment_score":0.5120868682861328},{"text":"Now what I will do just for your records is that I will get something that's called a record Mhmm. of advice drawn up and emailed to you. You don't have to sign it or anything like that, but it just basically lets you know that we have done this one investment switch for you just so that you have the record as well. Any questions in regards to any of that? No. It's taking good time. No. Yep.","start_word":3495,"end_word":3573,"sentiment":"neutral","sentiment_score":0.1726996749639511},{"text":"Beautiful.","start_word":3574,"end_word":3574,"sentiment":"positive","sentiment_score":0.3944874703884125},{"text":"Now the other documents you will see is another Vanguard index chart. You probably saw this last year. It is one that we like to include. They do update it every single year, which is good to kind of reflect the market fluctuation. Basically, when you have a look at it, you will see market always goes up. The short term, depending on what is happening in the world, you will have those ups and downs and market fluctuations. Yeah. Yep. You will also have just another copy of that financial services guide again. Now nothing has really changed.","start_word":3575,"end_word":3673,"sentiment":"neutral","sentiment_score":0.1296321600675583},{"text":"All the important information is still in there for you. We've had an update to marketing, which is great, and a bit of an extension to the team. So if you do have a read through it, you will see the directors and all the advices.","start_word":3674,"end_word":3719,"sentiment":"positive","sentiment_score":0.4993632137775421},{"text":"You will see myself on page 10 as well if you do wanna put a face to the boys. Now Okay. the now there there are two documents that it will ask you to sign if you are happy to do so. Now one is a tax file number opt in form. It is basically just a compliance form to say that we are keeping your tax file number secure and safe on file. The Yeah. other one, it is just your ongoing service agreement.","start_word":3720,"end_word":3804,"sentiment":"neutral","sentiment_score":0.1922441124916077},{"text":"The same as per last year, it is just a form to say that you are happy to stay on as a client. Now we have had no changes in regards to the fee structure, which is good. So that stays exactly the same at that 1.65 from super. So it hasn't changed at all, which is good.","start_word":3805,"end_word":3862,"sentiment":"positive","sentiment_score":0.4011198580265045},{"text":"And it is not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. It just gets deducted on a monthly basis for you to give you that flexibility. But by signing that document, it essentially allows us to manage all your investments and insurances and everything for you in the meantime. Does that make sense? Yep. Yep. Yeah.","start_word":3863,"end_word":3933,"sentiment":"neutral","sentiment_score":0.16443097591400146},{"text":"Perfect.","start_word":3934,"end_word":3934,"sentiment":"positive","sentiment_score":0.4775005280971527},{"text":"And that was essentially all the the documents and everything that I needed to run through there with you, Derek. Do you have any questions for me while you got me on the phone? No. I haven't. I've just got Nah? it probably running here now, so I've just got to unload. Okay. So, you know, that sounds all pretty good. So Good timing. Alright. Well, I yeah. will let Good you timing. get to it. I will let you Yeah. get to Yeah. it. No. That's spot on. Yep.","start_word":3935,"end_word":4024,"sentiment":"neutral","sentiment_score":0.12886115908622742},{"text":"Perfect.","start_word":4025,"end_word":4025,"sentiment":"positive","sentiment_score":0.43112874031066895},{"text":"When you have a moment, have a look through the emails. Any questions, Yep. let me know. Otherwise, I'll just need you to sign those when you have a moment. Yeah. I'll have a look at them, Yep. tomorrow, something like that. Yeah. Yep.","start_word":4026,"end_word":4069,"sentiment":"neutral","sentiment_score":0.13179193386300045},{"text":"Beautiful. And just keep a lookout for that record of advice, and then I'll get my team to email you those beneficiary forms so we can get that sorted for you as well.","start_word":4070,"end_word":4102,"sentiment":"positive","sentiment_score":0.3992846608161926},{"text":"Yep.","start_word":4103,"end_word":4103,"sentiment":"neutral","sentiment_score":0.22572116553783417},{"text":"Sounds right. Thank Yep. you. Beautiful. Thank you so much for your time today, and you enjoy the rest of your day. Thank you. You too.","start_word":4104,"end_word":4129,"sentiment":"positive","sentiment_score":0.7194847464561462},{"text":"Mhmm.","start_word":4130,"end_word":4130,"sentiment":"neutral","sentiment_score":0.2229393869638443},{"text":"Good on you. No worries. Thanks, Derek. Bye.","start_word":4131,"end_word":4138,"sentiment":"positive","sentiment_score":0.5277001261711121},{"text":"Bye. Bye.","start_word":4139,"end_word":4140,"sentiment":"neutral","sentiment_score":0.19968357682228088}],"average":{"sentiment":"neutral","sentiment_score":0.09619475681203316}}}}