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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just for security purposes, just so I can confirm who I'm speaking with, can I just get you to confirm your full name, date of birth, and address, please? Yep. Beautiful. And how's your morning been? Been busy? Well, I will try my best not to keep you for too long. But before I do kind of jump in to your interview, I do like to start by asking if there is anything specific you would like me to address today or any particular questions you have or whether it's just a bit of a catch up and see kind of where everything's at? Yeah. No. That's okay. So we'll definitely go through where your super is at and your investments in a bit more detail as well. So what I have done actually is I have just sent you an email with some documents. Now do you have access to your emails at the moment? Yep. Sure. It could also end up in spam because we have recently changed the software. Oh, okay. I'll just wanna go through them with you first just to make sure you're happy before I get you to sign anything. Now to make it easier for you, if you can let me know the order that you see the documents, we can go through it that way. Okay. Yep. Perfect. So let me just open that one. Now this one here gives you a bit of a breakdown of your current super and insurances. So you have your superannuation with Netwealth. Now you do have about a $111,025 in there. And then you also have some insurances with Neo. So you have life and total permanent disability insurance, and that is covering you for $654,604. Now those are paid from within Netwealth for you, so you don't pay for anything out of pocket. After the tax rebate, the total premium for both of those is 1,694. Now are you still happy with the level of cover that you have in place for licensed TPD, or would you like to make any adjustments? So that's all good. That's good. Perfect. And with insurances as well, I can see here that you don't have income protection or trauma insurance. You're still happy to not have those two? Yep. Beautiful. How much extra it is? It is very tailored to you. So it is a bit of a process. So in order to look at income protection or trauma insurance, it what would be required to to get pricing for you because it is very tailored to you based on age, occupation, lifestyle, and hobbies. So it would be a matter of going through a bit of an extensive background, and that would go go more into your your medical, your hobbies, family situation, lifestyle. From that, I will send it off to all the insurers. They would then let me know what they are offering, and then I could get quotes. So it is quite it's quite hard to tell now because I need all of that information before we could quote depending on what the insurers say. Now typically speaking, income protection is the most expensive when it comes to the three because it is giving you that monthly income replacement. But is that something that you are interested in? No. Yeah. No. I mean, if anything does change down the track and you want to go through the process to have a look, just give me a call, and we can we can definitely have a look at that for you. Yep. Perfect. Now what is the next document you can see there? Can you scroll? Okay. Let me have a look. So could you only see that to you can see? Yes. Yes. Beautiful. Now if you can open that one for me. Now that shows you then how all your investments and everything has has happened in the last twelve months. It does give us a good overview over the last twelve months. Now you probably would have had in the market and or on the news and everything and obviously know as well that the last twelve months, we've seen quite a mixed performance. Obviously, you'd have everything going on in The US. So, obviously, with transit tariffs and everything, there's a bit of fluctuation. And, obviously, more recently with the war as well. So we've seen pretty concentrated performance in different international markets and defensive assets, and some of the Australian equities have faced a little bit more challenging conditions. But, essentially, if you are on this document now if you want to look at the second column to the right where it says return. Can you see where I'm looking at? So second column through the right at the top, it should have return and then a percentage. Yes. Yes. Correct. Yep. Sales. Yes. Yep. Beautiful. Now what this one here tells you, it shows you their individual investments. So it shows you how they have performed. Now you can see here that overall, most of your investments have done pretty good considering what's going on in in the market, which is fantastic. Now there is one investment that you can see here that was underperforming, which was down, which was your Benelong Australian Equity Fund. Now did you get an email it was around the March 13. Yes. So what that email was, just for your reference, it wasn't anything you had to sign, but it was to let you know of this investment change. Because what we do continuously is obviously doing research on your investment. And sometimes there are just a bit of a shift in the market depending on what's going on. So if it's a bit of a trend at the moment and we foresee the investment coming back around, then you don't always want to sell when things are are down because you can obviously the the market up goes up and down, and that's just kind of what happens. But if we do a lot of research on an investment and we foresee them kind of underperforming a little bit, being a little bit slower in making the choices, we then want to be proactive in swapping things out for you. So we've looked a lot at the Bennelong investment, and it was underperforming more recently, which you can see here as well. They were a little bit slower in making investment choices. So we made the decision after doing research that there was another a better alternative option for you that we could swap it for. So we have already gone ahead and made that change for you, which is good, and that is swapping then along for another investment, which is called the BetaShares Australia two hundred. So while we are removing one Australian investment, we wanted to swap it with something similar as well because we do wanna make sure that all of your portfolio is very diversified. You don't want just everything in The US or everything in Europe. You wanna make sure you have a well kind of diversified portfolio. So we wanted to focus on another Australian investment, but the BetaShares 200, it's it's a little bit cheaper, and it has performed a bit better, which is good. The the way that that one is is that it invests in the 200 largest companies listed in Australia on the ASX. So you'll have all the big banks and Woolworths and, you know, all all of the big companies. So it is very diversified because we invest in 200 companies. So we have already gone ahead and made that switch for you. So you can see that the other investments have done pretty good, and that was one that was underperforming, which we've already switched out for you. Does that make sense? Yep. Perfect. Do you have any questions in regards to that? No. Beautiful. Now what is the next attachment that you can see on your end? What is the next document that you can see there? Sorry. Sorry. Say that again. You just cut out a little bit for me. Yes. Can you open that one for me? Yep. Perfect. Now you probably have seen something similar to this before, but it is good. And Vanguard does publish this every year, so it's always kind of keeping up to date. So to do it at each financial year, so soon we'll have an updated version. But, essentially, the reason we do include it is because it does give us a good visual representation of the market. And it does make it a little bit easier to see, like, a bigger picture as well. Now from this here, you can see that when we are looking long term, market always goes up. All the asset classes goes up. But short term, you can see that depending on what is going on in the world, there will be some ups and downs and market fluctuations. Now how your money is currently invested as well is that we have you in a high growth portfolio. Do you remember what a high growth investor is at all? No. That's okay. Now, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until retirement and that you are comfortable seeing a bit of short term fluctuations to your investment in order to try to grow your super long term. Now when we are also then looking at how your money is invested in a high growth portfolio, we typically see 90% invested in what we would call your growth assets. Now on the chart here in front of you, you can see that your growth investments are made up of the top four. So the top four lines, so you have your US shares, which is your your light green. You have your Australian shares, which is kind of like your darker green line. You also have international shares, which is like your yellow line, and then property as well as well, which is that kind of maroon color. Can you see kind of where where I'm at? Yep. Beautiful. So this is where you do have about 90% at the moment. And these are the ones that you can see grow the most when we are looking at a longer period of time, but they also fluctuate in the short term. You do have 10% in a high growth than in your defensive. So that's like your bottom three. So you'll have your cash, fixed interest, and then typically gold can factor into this as well. And the purpose is to tryna level things out and smooth it out a little bit. Because you can see that they don't grow near as much, but they're a little bit more steady when it comes to how they're growing. So we wanna have some element of that to your portfolio, limit those fluctuations a little bit. Now when we are then also thinking about a time frame, because we wanna make sure as well that aside from you being comfortable with short term fluctuation, that you also have enough time for these ups and downs to come back around. So when we are looking at a high growth portfolio, we would like to typically see at least eight years till retirement to making sure that you have enough time for those fluctuations to come back around and continue to grow. So from a time frame point of view, you definitely have more than eight years until retirement. So from that time frame, you are in a well positioned being in a high growth portfolio. But are you still comfortable with, like, the level of risk and fluctuation with a high growth portfolio? Yes? Yes. So what we can do is I can do after the call or probably early next week, I can send you an email with a bit of an updated projection for you if you would like because there's quite a bit of math and calculation that goes into it. But I can I can get that drawn up and working on the numbers for you and then send it to you in an email if you'll be happy with that? And that gives you I can do five and ten years if you would like just to kind of show you the way that things are tracking. Longer than that as well, there is so much that can change. So, typically yes. I can do five and ten years and email that to you to kind of show you where you are on track for at the moment. Yeah. Would that be helpful? Yep. Great. And for the time being, otherwise, you are happy with, like, your high growth portfolio in terms of how your money is invested, like the level of risk and stuff? Yes. Yep. Yep. Yes. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. So from a risk profile point of view, it is also dependent now a lot of clients similar to yourself, we see in a high growth portfolio because you have a lot of time. So you have time for those fluctuations. So, yes, some years will be really good, other years not so good because you do have those fluctuations. And that is just the nature of the market. But when we are then looking at a longer period of time, so a longer time frame, you will see that it's typically performing a lot better than your defensive portfolio. If you're defensive, you will have a little bit smoother. Each year is kind of maybe average, not as good, but then you also don't have the the the lows. But long term, you're not gonna see it grow as much. So from a from a time frame, typically, like I said, I do have most clients in a high growth portfolio similar to yourself. What also plays in role is also what you are comfortable with. Because aside from time, it is also your behavior in regards to feeling it. Because at the same time, I have some clients who are 70 who wants max risk, and they're comfortable with it. And I have others who are very defensive. I have some 20 year old who's like, no. I don't feel comfortable with with any fluctuations, and they're super conservative. They are more kind of unique. Typically, as long as you kind of understand that things will fluctuate on the short term as long as it will continue in the long term through to give you those returns. Short term, there will be some of those fluctuations. So from a time frame, like I said, you are in a good position with a high growth portfolio as long as you do feel comfortable with those short term fluctuations. As long as long term, it will continue to grow. Does that make sense? Yep. Yep. But what I will do, like I said for you anyway, as I will do a bit of an updated projection, so that you can see how how things are tracking and going for you with the investments and stuff like that as well. Yep. Perfect. And when it comes to superannuation, otherwise, I do have here that, ideally, you would like to retire and start drawing an income from your super at the age of 65. Is that still kind of the plan, do you think? Hopefully. And income wise, I have here that you would like to draw a weekly income of about $700 per week to to kind of cover bills and expenses and everything. Do you still think that would be achievable, or do you think you need to draw a little bit more potentially? Yeah? Yeah. Perfect. I'll just put it about 1,500 for you, especially with living living expenses and everything. Most people do say between 1,000 and 2,000, so 1,500 is pretty spot on what most people would say they need for retirement. And most of the time for retirement, so people's goals are to make sure you have your property, like, paid off. So, ideally, maybe not have a mortgage or much debt, And then it's just a matter of, you know, covering living expenses or travel or anything like that as well. Now what is the next document that you can see there for me? Yep. Yes. So that one there, it basically just breaks down your insurances in more detail. So you don't have to open it now, but, basically, it shows you, yeah, your insurances in more detail, but just lets you know that's all paid and up to date, essentially. Yep. And what's the next one for me? Yes. Perfect. So you have a services guide version one, and then you also have a financial services guide version two. Do you have that one as well? Yep. Perfect. But, essentially, if you want to click on the service guide for me, version one, the the version four is just like a bit of a shorter summary of it. But if you can click on the one the the version one document. Now you would have seen something like this before. It is one of those compliance documents, but it does give you all the important information in regards to Oakview for you. And it does show you all the team, our directors, our advisers, and everything there for you, so none of the important information has changed. But we've had a bit of an extension to the team, which is good, and also done a bit of updated marketing. Now as you scroll through this one, if you scroll down to page 10, I believe, can can you see where it says meet our experienced team? And you will have yep. So you will actually see then myself there. If you do wanna put a face to the voice, and I am next to Dana. Are you on that page, or who who can you see? Yeah. I'm I'm next to Dana. I'm Veronica. Yes. Yeah. Sometimes it is nice to put a face to the voice, you know, if we're doing things over the phone, and so that you actually know who you're talking to. But, yeah, all that information is in there for you. Now is the next one you can see the one where it asked you to sign? Your your next document after that, what does that look like? Fecan? Yes. Yeah. Perfect. So that one here, that is your ongoing service agreement. Now that one here is if you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from Super, so no changes in regards to the fee, and it is not a locking contract. So if at any point in time you are not happy, it is not a locking contract. But, essentially, by signing this one, it allows you to remain a client and ask to continue to manage your account and everything for you in the meantime. And then every annual review, it is something that you have to agree and sign again. We can't just keep charging fees otherwise. Does that make sense? Yes. Yeah. It is not a lock in contract. So let's say you, you know, sign the ongoing service agreement, and then let's say in a month's time, you move overseas, or you decide that, you know what, you are not happy with the services, there there's no lock in. There's no exit fees. You can cancel whenever you want to. So even if you do sign it, it's not like you are locked in for a certain amount of amount of time. But every year, it is a requirement that we get a new ongoing service agreement so that we can continue with Netwealth's management investments and do all of that for you. But it is not like a it's it's not like you locked in for a certain amount of time at all. Yep. Does that make sense? Yep. Perfect. And do you have one last doc last page there where it says tax file number? Yes, please. Yep. If you're happy to do so, it will ask you a signature date. Yep. Yes. So that is just a compliance form for you, and that is just to say that we are keeping your tax file number secure and safe on the file. So that one does need a little signature and date as well, and those are the only two that need signing. And then once you've added the signature, it should say validate, I believe. And then once you press validate, it should load a little bit and then send it back to me, and then I can get all those forms uploaded and sorted for you. Yep. No. That's okay. And while it does load, I do wanna just run through just a bit of an updated fact find with you as well just to see if there is anything major that has changed in in your life, if we do need to make any changes to your advice otherwise. So just bear with me as I go through these couple of questions. And I can see here that those documents have just come through, which is fantastic, so thank you for that. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yep. Okay. 19. Perfect. So two, that's financial dependent, and then one that's a little bit older. Yep. Perfect. Now next option, so if for some reason we cannot get in touch with you, I have here a Kristel nominated. Yep. Perfect. But I don't have a phone number. Do you have a contact? Yep. Perfect. 0452. Yes. Three three five. Yep. 386. Beautiful. Thank you so much. Now employment wise, are you still kind of working at the the cafe, like, self employed at the cafe, or has anything changed with your employment? Oh, the hospital? And what do you do there? Oh, yes. Perfect. And is that a 100%, like, admin based? Yep. Perfect. And working full time? Part time. And how many hours would you do roughly a week or fortnight? Fifty six hours per fortnight. Perfect. And when did you start there? A year. Perfect. And do you like it? Yeah. That's good. And what hospital is it at? Armadale? Okay. Perfect. And do you know if do you have any, like, enterprise bargain agreement agreement, or do you get any additional benefits, like, to super or salary packaging or anything like that as part of the agreement at the hospital? Yeah. And do you know what's entailed in that? Okay. Are you Yes. Yep. Perfect. They usually have pretty good deals when you do work. Yeah. And your income at the moment on a yearly basis if you have that? About 6 yeah. So if you do, depending on how many hours and stuff you do, it will fluctuate a little bit. Yep. Perfect. Alright. Around 50 to 60. Now do they pay you the standard contributions into super at 12%, or do they pay you any more? Yeah. Because now the minimum that they are required to do is 12%, but most employers does do 12. Some government jobs do a little bit more. Maybe. I can I can have a look at it and see if I can find it? So Armadale Hospital, sometimes it is just a standard 12, but I'll have a little look at it. Because as well, when I do the updated projection and email that through to you, that will also then impact your income and contributions. So what I can do, would you like me to to base on 50,000 or 60,000? What do you think is more realistic for you? Six 55? So somewhere in the middle? Yeah. Alright. So 55. And I will triple check those contributions for you just to make sure we have that correct. And I'll include that in the projections to show you as well as the insurances and everything so that you can see. And are you salary sacrificing anything else into super or just from your employer that gets contributed into super? Yep. No. Beautiful. And when it comes to assets, so I have here that you have a property and loss that was valued at about 500,000. Oh, beautiful. That's a nice little increase. Well, especially over in, yeah, WA. Seeing a bit of that crazy housing. Yeah. Yeah. Yep. Yes. Yes. Yes. Yeah. Yes. Yeah. Yeah. You got equity in the house, but if you wanted to upgrade, yes, you get more for your property. But but something else is also more expensive. Now your mortgage, I have here that last time, it was around 357,000. Still around that the same? Yep. Perfect. And do you also have two motor vehicles valued at about 30,000? Over a 100? Perfect. And still two of them or more? Three? Okay. So three cars. Four? Okay. And do you have anything owing on any of the motor vehicles? Yeah. Okay. Perfect. So the cellular packaging, about 60 if you were to pay it. And the others are all paid off? Okay. Perfect. Do you have any other assets, any other motorbikes or boats or savings in the bank or anything? Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, ZipPay aside from, like, the mortgage? No? Alright. Alright. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that correct? Yep. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months? No. Yeah. But nothing kind of that's preventing you from working or or any any other medication. No. Okay. And do you have private health insurance? Just yep. Okay. And when it comes to estate planning, do you have a will or power of attorney in place? No. On the to do yeah. On the to do list. No. That's okay. What kind of dogs do you have? Oh, beautiful. I have a Labrador, so I know I know the feeling. Now do you have anyone who makes any financial decisions on your behalf? Yep. No. That's yeah. And when it comes to your super as well and for your insurances, now I can see here that we do not have a nomination on file for you if something were to happen to you. So do you remember receiving those forms in the post at all? Let me have a look because I can see here that it doesn't look like we received them. That sometimes especially from WA, so post can be a bit slower. But if it was how long ago do you think? Because we can't see it coming back. So we send them to you. It was a little while ago, quite a while ago. Yeah. Of course. Yes. Perfect. Now do you have access to a printer, or do you prefer postage? Okay. Because what I can do to make it easier, especially if post does take a while and just so you don't have to redo it, is that I can get the team to email them to you. That way, you have it in your inbox as well as a little a little prompt. You just have to because you are making a legal nomination, you just have to print it, sign it, get it witnessed, and then send it back. That way, it's in an email as well, and it won't get lost in the post. So I will get the team to email that. Now do you have any idea of who you would like to nominate? Because there are different do you have any idea of who you would like to put down as a nominee? Because there are different rules and tax depending on who you want to nominate. Do you know who wants to receive it? Yes. It no. It can be children as well, but there are different tax consequences for children. So, for example, if you were to give it to your spouse, it will be a 100% tax free. So she would then receive everything tax free, and then, obviously, she can decide how the money will be split depending on what your agreement is. Now when it comes to children, you can still give a portion to them, But children over so children under 18, they don't have to pay tax. Children over 18, unless they are disabled, studying at uni, or in a, like, relying financially on yourself, they can pay tax of up to 32% on what they receive. Correct. So is your oldest starting at the moment? Yeah. Okay. So it is up to you on how you want to do it. Just be mindful that if you do nominate your children, for example, and, obviously, time goes by and you don't change it, then they could pay tax on some components, but then you can still decide of who you want to nominate. So nominate children and a spouse is a valid nomination, and you can split that however you want. Yep. Perfect. So I'll include a bit of a cover letter in the email as well, and that kind of explains how to how to fill them out and which type of nomination and stuff as well. But if you do have any questions when you get it and you are unsure, you just give me a call. Yep. No. That is no problem. Now the last thing I do wanna check here is your goals. So other things that you are potentially working it towards or if there's anything else that you might need. So I have here that last time we spoke to you, your focus in the next couple of years was to potentially buy an investment property. Is that still something you guys are kind of working towards in the long term? Yes. Yep. And is there anything else that you are working towards financially or non financially or any other systems you need with anything? No? No? Okay. If anything does change, you know, just just give us a call if there's anything else that you need, or we could always book you in for a catch up to talk about different things as well if if it ever is something you do wanna talk about. Yep. Perfect. Now that was essentially everything that I needed to kind of run through on my end for you. But do you have any other questions before I let you go and enjoy the rest of your day otherwise? No? Perfect. Now keep a lookout for my email. So I will get the team to email you those beneficiary forms, and then I'll get working on that projection to send through to you. Now I don't work tomorrow, and I have pretty back to back the rest of the day. So it might be kind of early next week, if that's okay. Yep. Perfect. Just keep a lookout for your emails, and it will come through from myself. If you have any questions when you get it, though, or you wanna talk about anything else, just respond to the email or give me a call, and we can always go through it. But at least that will give you a bit of an update on how things are tracking for you. Yep. No problem at all. Thank you so much for your time today. And anything else that you need, don't hesitate to give me a call. No problem. We'll speak soon. Okay. 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afternoon. This is Veronica from Oakview Financial. How are you? Good. Thanks.\n\nI had you booked in for your annual review. Is now still a good time for you? Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nPerfect. And just for security purposes, just so I can confirm who I'm speaking with, can I just get you to confirm your full name, date of birth, and address, please? Yep. Beautiful. And how's your morning been?\n\nBeen busy? Well, I will try my best not to keep you for too long. But before I do kind of jump in to your interview, I do like to start by asking if there is anything specific you would like me to address today or any particular questions you have or whether it's just a bit of a catch up and see kind of where everything's at? Yeah. No.\n\nThat's okay. So we'll definitely go through where your super is at and your investments in a bit more detail as well. So what I have done actually is I have just sent you an email with some documents. Now do you have access to your emails at the moment? Yep.\n\nSure. It could also end up in spam because we have recently changed the software. Oh, okay. I'll just wanna go through them with you first just to make sure you're happy before I get you to sign anything. Now to make it easier for you, if you can let me know the order that you see the documents, we can go through it that way.\n\nOkay. Yep. Perfect. So let me just open that one. Now this one here gives you a bit of a breakdown of your current super and insurances.\n\nSo you have your superannuation with Netwealth. Now you do have about a $111,025 in there. And then you also have some insurances with Neo. So you have life and total permanent disability insurance, and that is covering you for $654,604. Now those are paid from within Netwealth for you, so you don't pay for anything out of pocket.\n\nAfter the tax rebate, the total premium for both of those is 1,694. Now are you still happy with the level of cover that you have in place for licensed TPD, or would you like to make any adjustments? So that's all good. That's good. Perfect.\n\nAnd with insurances as well, I can see here that you don't have income protection or trauma insurance. You're still happy to not have those two? Yep. Beautiful. How much extra it is?\n\nIt is very tailored to you. So it is a bit of a process. So in order to look at income protection or trauma insurance, it what would be required to to get pricing for you because it is very tailored to you based on age, occupation, lifestyle, and hobbies. So it would be a matter of going through a bit of an extensive background, and that would go go more into your your medical, your hobbies, family situation, lifestyle. From that, I will send it off to all the insurers.\n\nThey would then let me know what they are offering, and then I could get quotes. So it is quite it's quite hard to tell now because I need all of that information before we could quote depending on what the insurers say. Now typically speaking, income protection is the most expensive when it comes to the three because it is giving you that monthly income replacement. But is that something that you are interested in? No.\n\nYeah. No. I mean, if anything does change down the track and you want to go through the process to have a look, just give me a call, and we can we can definitely have a look at that for you. Yep. Perfect.\n\nNow what is the next document you can see there? Can you scroll? Okay. Let me have a look. So could you only see that to you can see?\n\nYes. Yes. Beautiful. Now if you can open that one for me. Now that shows you then how all your investments and everything has has happened in the last twelve months.\n\nIt does give us a good overview over the last twelve months. Now you probably would have had in the market and or on the news and everything and obviously know as well that the last twelve months, we've seen quite a mixed performance. Obviously, you'd have everything going on in The US. So, obviously, with transit tariffs and everything, there's a bit of fluctuation. And, obviously, more recently with the war as well.\n\nSo we've seen pretty concentrated performance in different international markets and defensive assets, and some of the Australian equities have faced a little bit more challenging conditions. But, essentially, if you are on this document now if you want to look at the second column to the right where it says return. Can you see where I'm looking at? So second column through the right at the top, it should have return and then a percentage. Yes.\n\nYes. Correct. Yep. Sales. Yes.\n\nYep. Beautiful. Now what this one here tells you, it shows you their individual investments. So it shows you how they have performed. Now you can see here that overall, most of your investments have done pretty good considering what's going on in in the market, which is fantastic.\n\nNow there is one investment that you can see here that was underperforming, which was down, which was your Benelong Australian Equity Fund. Now did you get an email it was around the March 13. Yes. So what that email was, just for your reference, it wasn't anything you had to sign, but it was to let you know of this investment change. Because what we do continuously is obviously doing research on your investment.\n\nAnd sometimes there are just a bit of a shift in the market depending on what's going on. So if it's a bit of a trend at the moment and we foresee the investment coming back around, then you don't always want to sell when things are are down because you can obviously the the market up goes up and down, and that's just kind of what happens. But if we do a lot of research on an investment and we foresee them kind of underperforming a little bit, being a little bit slower in making the choices, we then want to be proactive in swapping things out for you. So we've looked a lot at the Bennelong investment, and it was underperforming more recently, which you can see here as well. They were a little bit slower in making investment choices.\n\nSo we made the decision after doing research that there was another a better alternative option for you that we could swap it for. So we have already gone ahead and made that change for you, which is good, and that is swapping then along for another investment, which is called the BetaShares Australia two hundred. So while we are removing one Australian investment, we wanted to swap it with something similar as well because we do wanna make sure that all of your portfolio is very diversified. You don't want just everything in The US or everything in Europe. You wanna make sure you have a well kind of diversified portfolio.\n\nSo we wanted to focus on another Australian investment, but the BetaShares 200, it's it's a little bit cheaper, and it has performed a bit better, which is good. The the way that that one is is that it invests in the 200 largest companies listed in Australia on the ASX. So you'll have all the big banks and Woolworths and, you know, all all of the big companies. So it is very diversified because we invest in 200 companies. So we have already gone ahead and made that switch for you.\n\nSo you can see that the other investments have done pretty good, and that was one that was underperforming, which we've already switched out for you. Does that make sense? Yep. Perfect. Do you have any questions in regards to that?\n\nNo. Beautiful. Now what is the next attachment that you can see on your end? What is the next document that you can see there? Sorry.\n\nSorry. Say that again. You just cut out a little bit for me. Yes. Can you open that one for me?\n\nYep. Perfect. Now you probably have seen something similar to this before, but it is good. And Vanguard does publish this every year, so it's always kind of keeping up to date. So to do it at each financial year, so soon we'll have an updated version.\n\nBut, essentially, the reason we do include it is because it does give us a good visual representation of the market. And it does make it a little bit easier to see, like, a bigger picture as well. Now from this here, you can see that when we are looking long term, market always goes up. All the asset classes goes up. But short term, you can see that depending on what is going on in the world, there will be some ups and downs and market fluctuations.\n\nNow how your money is currently invested as well is that we have you in a high growth portfolio. Do you remember what a high growth investor is at all? No. That's okay. Now, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until retirement and that you are comfortable seeing a bit of short term fluctuations to your investment in order to try to grow your super long term.\n\nNow when we are also then looking at how your money is invested in a high growth portfolio, we typically see 90% invested in what we would call your growth assets. Now on the chart here in front of you, you can see that your growth investments are made up of the top four. So the top four lines, so you have your US shares, which is your your light green. You have your Australian shares, which is kind of like your darker green line. You also have international shares, which is like your yellow line, and then property as well as well, which is that kind of maroon color.\n\nCan you see kind of where where I'm at? Yep. Beautiful. So this is where you do have about 90% at the moment. And these are the ones that you can see grow the most when we are looking at a longer period of time, but they also fluctuate in the short term.\n\nYou do have 10% in a high growth than in your defensive. So that's like your bottom three. So you'll have your cash, fixed interest, and then typically gold can factor into this as well. And the purpose is to tryna level things out and smooth it out a little bit. Because you can see that they don't grow near as much, but they're a little bit more steady when it comes to how they're growing.\n\nSo we wanna have some element of that to your portfolio, limit those fluctuations a little bit. Now when we are then also thinking about a time frame, because we wanna make sure as well that aside from you being comfortable with short term fluctuation, that you also have enough time for these ups and downs to come back around. So when we are looking at a high growth portfolio, we would like to typically see at least eight years till retirement to making sure that you have enough time for those fluctuations to come back around and continue to grow. So from a time frame point of view, you definitely have more than eight years until retirement. So from that time frame, you are in a well positioned being in a high growth portfolio.\n\nBut are you still comfortable with, like, the level of risk and fluctuation with a high growth portfolio? Yes? Yes. So what we can do is I can do after the call or probably early next week, I can send you an email with a bit of an updated projection for you if you would like because there's quite a bit of math and calculation that goes into it. But I can I can get that drawn up and working on the numbers for you and then send it to you in an email if you'll be happy with that?\n\nAnd that gives you I can do five and ten years if you would like just to kind of show you the way that things are tracking. Longer than that as well, there is so much that can change. So, typically yes. I can do five and ten years and email that to you to kind of show you where you are on track for at the moment. Yeah.\n\nWould that be helpful? Yep. Great. And for the time being, otherwise, you are happy with, like, your high growth portfolio in terms of how your money is invested, like the level of risk and stuff? Yes.\n\nYep. Yep. Yes. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nSo from a risk profile point of view, it is also dependent now a lot of clients similar to yourself, we see in a high growth portfolio because you have a lot of time. So you have time for those fluctuations. So, yes, some years will be really good, other years not so good because you do have those fluctuations. And that is just the nature of the market. But when we are then looking at a longer period of time, so a longer time frame, you will see that it's typically performing a lot better than your defensive portfolio.\n\nIf you're defensive, you will have a little bit smoother. Each year is kind of maybe average, not as good, but then you also don't have the the the lows. But long term, you're not gonna see it grow as much. So from a from a time frame, typically, like I said, I do have most clients in a high growth portfolio similar to yourself. What also plays in role is also what you are comfortable with.\n\nBecause aside from time, it is also your behavior in regards to feeling it. Because at the same time, I have some clients who are 70 who wants max risk, and they're comfortable with it. And I have others who are very defensive. I have some 20 year old who's like, no. I don't feel comfortable with with any fluctuations, and they're super conservative.\n\nThey are more kind of unique. Typically, as long as you kind of understand that things will fluctuate on the short term as long as it will continue in the long term through to give you those returns. Short term, there will be some of those fluctuations. So from a time frame, like I said, you are in a good position with a high growth portfolio as long as you do feel comfortable with those short term fluctuations. As long as long term, it will continue to grow.\n\nDoes that make sense? Yep. Yep. But what I will do, like I said for you anyway, as I will do a bit of an updated projection, so that you can see how how things are tracking and going for you with the investments and stuff like that as well. Yep.\n\nPerfect. And when it comes to superannuation, otherwise, I do have here that, ideally, you would like to retire and start drawing an income from your super at the age of 65. Is that still kind of the plan, do you think? Hopefully. And income wise, I have here that you would like to draw a weekly income of about $700 per week to to kind of cover bills and expenses and everything.\n\nDo you still think that would be achievable, or do you think you need to draw a little bit more potentially? Yeah? Yeah. Perfect. I'll just put it about 1,500 for you, especially with living living expenses and everything.\n\nMost people do say between 1,000 and 2,000, so 1,500 is pretty spot on what most people would say they need for retirement. And most of the time for retirement, so people's goals are to make sure you have your property, like, paid off. So, ideally, maybe not have a mortgage or much debt, And then it's just a matter of, you know, covering living expenses or travel or anything like that as well. Now what is the next document that you can see there for me? Yep.\n\nYes. So that one there, it basically just breaks down your insurances in more detail. So you don't have to open it now, but, basically, it shows you, yeah, your insurances in more detail, but just lets you know that's all paid and up to date, essentially. Yep. And what's the next one for me?\n\nYes. Perfect. So you have a services guide version one, and then you also have a financial services guide version two. Do you have that one as well? Yep.\n\nPerfect. But, essentially, if you want to click on the service guide for me, version one, the the version four is just like a bit of a shorter summary of it. But if you can click on the one the the version one document. Now you would have seen something like this before. It is one of those compliance documents, but it does give you all the important information in regards to Oakview for you.\n\nAnd it does show you all the team, our directors, our advisers, and everything there for you, so none of the important information has changed. But we've had a bit of an extension to the team, which is good, and also done a bit of updated marketing. Now as you scroll through this one, if you scroll down to page 10, I believe, can can you see where it says meet our experienced team? And you will have yep. So you will actually see then myself there.\n\nIf you do wanna put a face to the voice, and I am next to Dana. Are you on that page, or who who can you see? Yeah. I'm I'm next to Dana. I'm Veronica.\n\nYes. Yeah. Sometimes it is nice to put a face to the voice, you know, if we're doing things over the phone, and so that you actually know who you're talking to. But, yeah, all that information is in there for you. Now is the next one you can see the one where it asked you to sign?\n\nYour your next document after that, what does that look like? Fecan? Yes. Yeah. Perfect.\n\nSo that one here, that is your ongoing service agreement. Now that one here is if you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from Super, so no changes in regards to the fee, and it is not a locking contract. So if at any point in time you are not happy, it is not a locking contract.\n\nBut, essentially, by signing this one, it allows you to remain a client and ask to continue to manage your account and everything for you in the meantime. And then every annual review, it is something that you have to agree and sign again. We can't just keep charging fees otherwise. Does that make sense? Yes.\n\nYeah. It is not a lock in contract. So let's say you, you know, sign the ongoing service agreement, and then let's say in a month's time, you move overseas, or you decide that, you know what, you are not happy with the services, there there's no lock in. There's no exit fees. You can cancel whenever you want to.\n\nSo even if you do sign it, it's not like you are locked in for a certain amount of amount of time. But every year, it is a requirement that we get a new ongoing service agreement so that we can continue with Netwealth's management investments and do all of that for you. But it is not like a it's it's not like you locked in for a certain amount of time at all. Yep. Does that make sense?\n\nYep. Perfect. And do you have one last doc last page there where it says tax file number? Yes, please. Yep.\n\nIf you're happy to do so, it will ask you a signature date. Yep. Yes. So that is just a compliance form for you, and that is just to say that we are keeping your tax file number secure and safe on the file. So that one does need a little signature and date as well, and those are the only two that need signing.\n\nAnd then once you've added the signature, it should say validate, I believe. And then once you press validate, it should load a little bit and then send it back to me, and then I can get all those forms uploaded and sorted for you. Yep. No. That's okay.\n\nAnd while it does load, I do wanna just run through just a bit of an updated fact find with you as well just to see if there is anything major that has changed in in your life, if we do need to make any changes to your advice otherwise. So just bear with me as I go through these couple of questions. And I can see here that those documents have just come through, which is fantastic, so thank you for that. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct?\n\nYep. Okay. 19. Perfect. So two, that's financial dependent, and then one that's a little bit older.\n\nYep. Perfect. Now next option, so if for some reason we cannot get in touch with you, I have here a Kristel nominated. Yep. Perfect.\n\nBut I don't have a phone number. Do you have a contact? Yep. Perfect. 0452.\n\nYes. Three three five. Yep. 386. Beautiful.\n\nThank you so much. Now employment wise, are you still kind of working at the the cafe, like, self employed at the cafe, or has anything changed with your employment? Oh, the hospital? And what do you do there? Oh, yes.\n\nPerfect. And is that a 100%, like, admin based? Yep. Perfect. And working full time?\n\nPart time. And how many hours would you do roughly a week or fortnight? Fifty six hours per fortnight. Perfect. And when did you start there?\n\nA year. Perfect. And do you like it? Yeah. That's good.\n\nAnd what hospital is it at? Armadale? Okay. Perfect. And do you know if do you have any, like, enterprise bargain agreement agreement, or do you get any additional benefits, like, to super or salary packaging or anything like that as part of the agreement at the hospital?\n\nYeah. And do you know what's entailed in that? Okay. Are you Yes. Yep.\n\nPerfect. They usually have pretty good deals when you do work. Yeah. And your income at the moment on a yearly basis if you have that? About 6 yeah.\n\nSo if you do, depending on how many hours and stuff you do, it will fluctuate a little bit. Yep. Perfect. Alright. Around 50 to 60.\n\nNow do they pay you the standard contributions into super at 12%, or do they pay you any more? Yeah. Because now the minimum that they are required to do is 12%, but most employers does do 12. Some government jobs do a little bit more. Maybe.\n\nI can I can have a look at it and see if I can find it? So Armadale Hospital, sometimes it is just a standard 12, but I'll have a little look at it. Because as well, when I do the updated projection and email that through to you, that will also then impact your income and contributions. So what I can do, would you like me to to base on 50,000 or 60,000? What do you think is more realistic for you?\n\nSix 55? So somewhere in the middle? Yeah. Alright. So 55.\n\nAnd I will triple check those contributions for you just to make sure we have that correct. And I'll include that in the projections to show you as well as the insurances and everything so that you can see. And are you salary sacrificing anything else into super or just from your employer that gets contributed into super? Yep. No.\n\nBeautiful. And when it comes to assets, so I have here that you have a property and loss that was valued at about 500,000. Oh, beautiful. That's a nice little increase. Well, especially over in, yeah, WA.\n\nSeeing a bit of that crazy housing. Yeah. Yeah. Yep. Yes.\n\nYes. Yes. Yeah. Yes. Yeah.\n\nYeah. You got equity in the house, but if you wanted to upgrade, yes, you get more for your property. But but something else is also more expensive. Now your mortgage, I have here that last time, it was around 357,000. Still around that the same?\n\nYep. Perfect. And do you also have two motor vehicles valued at about 30,000? Over a 100? Perfect.\n\nAnd still two of them or more? Three? Okay. So three cars. Four?\n\nOkay. And do you have anything owing on any of the motor vehicles? Yeah. Okay. Perfect.\n\nSo the cellular packaging, about 60 if you were to pay it. And the others are all paid off? Okay. Perfect. Do you have any other assets, any other motorbikes or boats or savings in the bank or anything?\n\nNope. Perfect. And do you have any other liabilities, like personal loans, credit cards, ZipPay aside from, like, the mortgage? No? Alright.\n\nAlright. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that correct? Yep.\n\nPerfect. And have you had any significant health issues or injuries or anything in the last twelve months? No. Yeah. But nothing kind of that's preventing you from working or or any any other medication.\n\nNo. Okay. And do you have private health insurance? Just yep. Okay.\n\nAnd when it comes to estate planning, do you have a will or power of attorney in place? No. On the to do yeah. On the to do list. No.\n\nThat's okay. What kind of dogs do you have? Oh, beautiful. I have a Labrador, so I know I know the feeling. Now do you have anyone who makes any financial decisions on your behalf?\n\nYep. No. That's yeah. And when it comes to your super as well and for your insurances, now I can see here that we do not have a nomination on file for you if something were to happen to you. So do you remember receiving those forms in the post at all?\n\nLet me have a look because I can see here that it doesn't look like we received them. That sometimes especially from WA, so post can be a bit slower. But if it was how long ago do you think? Because we can't see it coming back. So we send them to you.\n\nIt was a little while ago, quite a while ago. Yeah. Of course. Yes. Perfect.\n\nNow do you have access to a printer, or do you prefer postage? Okay. Because what I can do to make it easier, especially if post does take a while and just so you don't have to redo it, is that I can get the team to email them to you. That way, you have it in your inbox as well as a little a little prompt. You just have to because you are making a legal nomination, you just have to print it, sign it, get it witnessed, and then send it back.\n\nThat way, it's in an email as well, and it won't get lost in the post. So I will get the team to email that. Now do you have any idea of who you would like to nominate? Because there are different do you have any idea of who you would like to put down as a nominee? Because there are different rules and tax depending on who you want to nominate.\n\nDo you know who wants to receive it? Yes. It no. It can be children as well, but there are different tax consequences for children. So, for example, if you were to give it to your spouse, it will be a 100% tax free.\n\nSo she would then receive everything tax free, and then, obviously, she can decide how the money will be split depending on what your agreement is. Now when it comes to children, you can still give a portion to them, But children over so children under 18, they don't have to pay tax. Children over 18, unless they are disabled, studying at uni, or in a, like, relying financially on yourself, they can pay tax of up to 32% on what they receive. Correct. So is your oldest starting at the moment?\n\nYeah. Okay. So it is up to you on how you want to do it. Just be mindful that if you do nominate your children, for example, and, obviously, time goes by and you don't change it, then they could pay tax on some components, but then you can still decide of who you want to nominate. So nominate children and a spouse is a valid nomination, and you can split that however you want.\n\nYep. Perfect. So I'll include a bit of a cover letter in the email as well, and that kind of explains how to how to fill them out and which type of nomination and stuff as well. But if you do have any questions when you get it and you are unsure, you just give me a call. Yep.\n\nNo. That is no problem. Now the last thing I do wanna check here is your goals. So other things that you are potentially working it towards or if there's anything else that you might need. So I have here that last time we spoke to you, your focus in the next couple of years was to potentially buy an investment property.\n\nIs that still something you guys are kind of working towards in the long term? Yes. Yep. And is there anything else that you are working towards financially or non financially or any other systems you need with anything? No?\n\nNo? Okay. If anything does change, you know, just just give us a call if there's anything else that you need, or we could always book you in for a catch up to talk about different things as well if if it ever is something you do wanna talk about. Yep. Perfect.\n\nNow that was essentially everything that I needed to kind of run through on my end for you. But do you have any other questions before I let you go and enjoy the rest of your day otherwise? No? Perfect. Now keep a lookout for my email.\n\nSo I will get the team to email you those beneficiary forms, and then I'll get working on that projection to send through to you. Now I don't work tomorrow, and I have pretty back to back the rest of the day. So it might be kind of early next week, if that's okay. Yep. Perfect.\n\nJust keep a lookout for your emails, and it will come through from myself. If you have any questions when you get it, though, or you wanna talk about anything else, just respond to the email or give me a call, and we can always go through it. But at least that will give you a bit of an update on how things are tracking for you. Yep. No problem at all.\n\nThank you so much for your time today. And anything else that you need, don't hesitate to give me a call. No problem. We'll speak soon. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.04,"end":1.76,"sentiment":"neutral","sentiment_score":0.30359864234924316},{"text":"This is Veronica from Oakview Financial.","start":1.76,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.26383183399836224},{"text":"How are you?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.1824264278014501},{"text":"Good.","start":6.16,"end":6.66,"sentiment":"positive","sentiment_score":0.5757887363433838},{"text":"Thanks.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.6650067567825317}],"sentiment":"neutral","sentiment_score":0.3060202357860712,"num_words":13,"start":1.04,"end":7.3799996},{"sentences":[{"text":"I had you booked in for your annual review.","start":8.16,"end":10.88,"sentiment":"positive","sentiment_score":0.4657360249095493},{"text":"Is now still a good time for you?","start":10.88,"end":12.58,"sentiment":"positive","sentiment_score":0.4022315964102745},{"text":"Yes.","start":14.455,"end":14.775,"sentiment":"positive","sentiment_score":0.43665575981140137},{"text":"Perfect.","start":14.775,"end":15.275,"sentiment":"positive","sentiment_score":0.5481635332107544},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":15.815,"end":24.474998,"sentiment":"neutral","sentiment_score":0.08107824851908992}],"sentiment":"neutral","sentiment_score":0.21815443985164165,"num_words":50,"start":8.16,"end":24.474998},{"sentences":[{"text":"Perfect.","start":26.07,"end":26.57,"sentiment":"positive","sentiment_score":0.3684382438659668},{"text":"And just for security purposes, just so I can confirm who I'm speaking with, can I just get you to confirm your full name, date of birth, and address, please?","start":26.869999,"end":36.01,"sentiment":"neutral","sentiment_score":0.09340561230977376},{"text":"Yep.","start":43.045,"end":43.545,"sentiment":"neutral","sentiment_score":0.14917413890361786},{"text":"Beautiful.","start":43.605,"end":44.105,"sentiment":"positive","sentiment_score":0.4479704201221466},{"text":"And how's your morning been?","start":44.165,"end":45.525,"sentiment":"neutral","sentiment_score":0.15867217183113097}],"sentiment":"neutral","sentiment_score":0.12002926398264735,"num_words":38,"start":26.07,"end":45.525},{"sentences":[{"text":"Been busy?","start":45.525,"end":46.265,"sentiment":"neutral","sentiment_score":0.0330452611669898},{"text":"Well, I will try my best not to keep you for too long.","start":49.640003,"end":52.780003,"sentiment":"neutral","sentiment_score":-0.04424892767117573},{"text":"But before I do kind of jump in to your interview, I do like to start by asking if there is anything specific you would like me to address today or any particular questions you have or whether it's just a bit of a catch up and see kind of where everything's at?","start":53.800003,"end":69.005,"sentiment":"neutral","sentiment_score":0.016218665495233715},{"text":"Yeah.","start":83.64,"end":84.14,"sentiment":"neutral","sentiment_score":-0.04958205670118332},{"text":"No.","start":84.36,"end":84.6,"sentiment":"neutral","sentiment_score":-0.09905286133289336}],"sentiment":"neutral","sentiment_score":0.002882983083171504,"num_words":70,"start":45.525,"end":84.6},{"sentences":[{"text":"That's okay.","start":84.6,"end":85.4,"sentiment":"neutral","sentiment_score":-0.03436698392033577},{"text":"So we'll definitely go through where your super is at and your investments in a bit more detail as well.","start":85.4,"end":92.975,"sentiment":"neutral","sentiment_score":0.021087012253701687},{"text":"So what I have done actually is I have just sent you an email with some documents.","start":94.395,"end":100.255,"sentiment":"neutral","sentiment_score":0.006866018671323271},{"text":"Now do you have access to your emails at the moment?","start":100.634995,"end":103.134995,"sentiment":"neutral","sentiment_score":-0.021720911291512577},{"text":"Yep.","start":106.52,"end":107.0,"sentiment":"neutral","sentiment_score":-0.08713873475790024}],"sentiment":"neutral","sentiment_score":0.0028168595231631223,"num_words":51,"start":84.6,"end":107.0},{"sentences":[{"text":"Sure.","start":107.0,"end":107.5,"sentiment":"neutral","sentiment_score":-0.22983768582344055},{"text":"It could also end up in spam because we have recently changed the software.","start":119.735,"end":123.515,"sentiment":"negative","sentiment_score":-0.41571998596191406},{"text":"Oh, okay.","start":126.774994,"end":127.98,"sentiment":"neutral","sentiment_score":-0.07780163362622261},{"text":"I'll just wanna go through them with you first just to make sure you're happy before I get you to sign anything.","start":129.34,"end":134.8,"sentiment":"neutral","sentiment_score":-0.039869352217382664},{"text":"Now to make it easier for you, if you can let me know the order that you see the documents, we can go through it that way.","start":136.3,"end":144.53499,"sentiment":"neutral","sentiment_score":0.18616640595374284}],"sentiment":"neutral","sentiment_score":-0.031153841584455222,"num_words":66,"start":107.0,"end":144.53499},{"sentences":[{"text":"Okay.","start":149.955,"end":150.435,"sentiment":"neutral","sentiment_score":0.2000114768743515},{"text":"Yep.","start":150.435,"end":150.83499,"sentiment":"neutral","sentiment_score":0.31043916940689087},{"text":"Perfect.","start":150.83499,"end":151.33499,"sentiment":"positive","sentiment_score":0.5313555002212524},{"text":"So let me just open that one.","start":151.39499,"end":153.015,"sentiment":"neutral","sentiment_score":0.2684778847864696},{"text":"Now this one here gives you a bit of a breakdown of your current super and insurances.","start":153.39499,"end":158.455,"sentiment":"neutral","sentiment_score":0.15901788061155991}],"sentiment":"neutral","sentiment_score":0.20831315964460373,"num_words":27,"start":149.955,"end":158.455},{"sentences":[{"text":"So you have your superannuation with Netwealth.","start":159.23999,"end":162.54,"sentiment":"neutral","sentiment_score":0.1201203880565507},{"text":"Now you do have about a $111,025 in there.","start":163.0,"end":169.09999,"sentiment":"neutral","sentiment_score":0.1357648621002833},{"text":"And then you also have some insurances with Neo.","start":169.48,"end":172.93999,"sentiment":"neutral","sentiment_score":0.11231960770156649},{"text":"So you have life and total permanent disability insurance, and that is covering you for $654,604.","start":173.985,"end":184.405,"sentiment":"neutral","sentiment_score":0.14813574124127626},{"text":"Now those are paid from within Netwealth for you, so you don't pay for anything out of pocket.","start":185.105,"end":190.97,"sentiment":"neutral","sentiment_score":0.1351731452676985}],"sentiment":"neutral","sentiment_score":0.13350663422527959,"num_words":59,"start":159.23999,"end":190.97},{"sentences":[{"text":"After the tax rebate, the total premium for both of those is 1,694.","start":191.90999,"end":198.375,"sentiment":"neutral","sentiment_score":0.09872220456600189},{"text":"Now are you still happy with the level of cover that you have in place for licensed TPD, or would you like to make any adjustments?","start":199.335,"end":208.155,"sentiment":"neutral","sentiment_score":0.16845037286671308},{"text":"So that's all good.","start":208.295,"end":209.435,"sentiment":"positive","sentiment_score":0.374342642724514},{"text":"That's good.","start":211.59,"end":212.31,"sentiment":"neutral","sentiment_score":0.30268123745918274},{"text":"Perfect.","start":212.31,"end":212.81,"sentiment":"positive","sentiment_score":0.3977237343788147}],"sentiment":"neutral","sentiment_score":0.17746858987147393,"num_words":46,"start":191.90999,"end":212.81},{"sentences":[{"text":"And with insurances as well, I can see here that you don't have income protection or trauma insurance.","start":213.03,"end":218.81,"sentiment":"neutral","sentiment_score":-0.027491496668921575},{"text":"You're still happy to not have those two?","start":219.27,"end":221.37,"sentiment":"neutral","sentiment_score":0.019605649635195732},{"text":"Yep.","start":222.645,"end":222.965,"sentiment":"neutral","sentiment_score":0.13989464938640594},{"text":"Beautiful.","start":222.965,"end":223.465,"sentiment":"positive","sentiment_score":0.3773517906665802},{"text":"How much extra it is?","start":226.165,"end":227.625,"sentiment":"neutral","sentiment_score":0.012007366493344308}],"sentiment":"neutral","sentiment_score":0.0072509554412328835,"num_words":33,"start":213.03,"end":227.625},{"sentences":[{"text":"It is very tailored to you.","start":228.965,"end":230.565,"sentiment":"neutral","sentiment_score":0.08829439307252566},{"text":"So it is a bit of a process.","start":230.565,"end":232.025,"sentiment":"neutral","sentiment_score":0.021771215833723545},{"text":"So in order to look at income protection or trauma insurance, it what would be required to to get pricing for you because it is very tailored to you based on age, occupation, lifestyle, and hobbies.","start":232.565,"end":247.26999,"sentiment":"neutral","sentiment_score":0.0358372084899909},{"text":"So it would be a matter of going through a bit of an extensive background, and that would go go more into your your medical, your hobbies, family situation, lifestyle.","start":247.895,"end":259.995,"sentiment":"neutral","sentiment_score":-0.00718346368521452},{"text":"From that, I will send it off to all the insurers.","start":261.12,"end":264.02002,"sentiment":"neutral","sentiment_score":0.018771782686764545}],"sentiment":"neutral","sentiment_score":0.021813860326841638,"num_words":91,"start":228.965,"end":264.02002},{"sentences":[{"text":"They would then let me know what they are offering, and then I could get quotes.","start":264.48,"end":269.52002,"sentiment":"neutral","sentiment_score":0.007471957360394299},{"text":"So it is quite it's quite hard to tell now because I need all of that information before we could quote depending on what the insurers say.","start":269.52002,"end":280.435,"sentiment":"neutral","sentiment_score":-0.14761722584565481},{"text":"Now typically speaking, income protection is the most expensive when it comes to the three because it is giving you that monthly income replacement.","start":280.735,"end":289.38998,"sentiment":"neutral","sentiment_score":-0.06999922536003093},{"text":"But is that something that you are interested in?","start":289.44998,"end":292.11,"sentiment":"neutral","sentiment_score":0.023906811243957944},{"text":"No.","start":294.16998,"end":294.66998,"sentiment":"neutral","sentiment_score":-0.14272305369377136}],"sentiment":"neutral","sentiment_score":-0.07108645378188654,"num_words":77,"start":264.48,"end":294.66998},{"sentences":[{"text":"Yeah.","start":295.69,"end":296.09,"sentiment":"neutral","sentiment_score":-0.002157958224415779},{"text":"No.","start":296.09,"end":296.59,"sentiment":"neutral","sentiment_score":-0.04452788457274437},{"text":"I mean, if anything does change down the track and you want to go through the process to have a look, just give me a call, and we can we can definitely have a look at that for you.","start":296.65,"end":305.025,"sentiment":"neutral","sentiment_score":0.08815504763370906},{"text":"Yep.","start":306.04498,"end":306.525,"sentiment":"neutral","sentiment_score":0.15734776854515076},{"text":"Perfect.","start":306.525,"end":307.025,"sentiment":"positive","sentiment_score":0.37785547971725464}],"sentiment":"neutral","sentiment_score":0.09131544798092786,"num_words":43,"start":295.69,"end":307.025},{"sentences":[{"text":"Now what is the next document you can see there?","start":307.805,"end":310.625,"sentiment":"neutral","sentiment_score":0.0717882614582777},{"text":"Can you scroll?","start":322.22,"end":323.12,"sentiment":"neutral","sentiment_score":0.001847274291018645},{"text":"Okay.","start":328.715,"end":329.115,"sentiment":"neutral","sentiment_score":0.028362402692437172},{"text":"Let me have a look.","start":329.115,"end":329.915,"sentiment":"neutral","sentiment_score":0.028880018368363382},{"text":"So could you only see that to you can see?","start":329.915,"end":336.095,"sentiment":"neutral","sentiment_score":0.02123109418898821}],"sentiment":"neutral","sentiment_score":0.03822406461655066,"num_words":29,"start":307.805,"end":336.095},{"sentences":[{"text":"Yes.","start":337.69,"end":338.19,"sentiment":"neutral","sentiment_score":0.0851941704750061},{"text":"Yes.","start":338.73,"end":339.05002,"sentiment":"neutral","sentiment_score":0.17603251338005066},{"text":"Beautiful.","start":339.05002,"end":339.55002,"sentiment":"positive","sentiment_score":0.4277392029762268},{"text":"Now if you can open that one for me.","start":339.61002,"end":341.37,"sentiment":"neutral","sentiment_score":0.16666217810577816},{"text":"Now that shows you then how all your investments and everything has has happened in the last twelve months.","start":341.37,"end":349.29,"sentiment":"neutral","sentiment_score":0.1687439711470353}],"sentiment":"neutral","sentiment_score":0.17403422392183734,"num_words":31,"start":337.69,"end":349.29},{"sentences":[{"text":"It does give us a good overview over the last twelve months.","start":349.29,"end":352.965,"sentiment":"neutral","sentiment_score":0.271300096064806},{"text":"Now you probably would have had in the market and or on the news and everything and obviously know as well that the last twelve months, we've seen quite a mixed performance.","start":353.525,"end":364.025,"sentiment":"neutral","sentiment_score":-0.10986517579294741},{"text":"Obviously, you'd have everything going on in The US.","start":365.125,"end":368.10498,"sentiment":"neutral","sentiment_score":-0.07875708532002237},{"text":"So, obviously, with transit tariffs and everything, there's a bit of fluctuation.","start":368.27,"end":371.49,"sentiment":"neutral","sentiment_score":-0.09663276715825002},{"text":"And, obviously, more recently with the war as well.","start":372.03,"end":374.93,"sentiment":"neutral","sentiment_score":-0.11472075846460131}],"sentiment":"neutral","sentiment_score":-0.04271592260212512,"num_words":74,"start":349.29,"end":374.93},{"sentences":[{"text":"So we've seen pretty concentrated performance in different international markets and defensive assets, and some of the Australian equities have faced a little bit more challenging conditions.","start":374.99,"end":386.885,"sentiment":"neutral","sentiment_score":-0.10481579215438278},{"text":"But, essentially, if you are on this document now if you want to look at the second column to the right where it says return.","start":387.425,"end":396.565,"sentiment":"neutral","sentiment_score":0.011995788440108299},{"text":"Can you see where I'm looking at?","start":397.07,"end":398.77,"sentiment":"neutral","sentiment_score":0.005965728179684707},{"text":"So second column through the right at the top, it should have return and then a percentage.","start":401.55,"end":407.89,"sentiment":"neutral","sentiment_score":0.0282900842892773},{"text":"Yes.","start":415.80502,"end":416.30502,"sentiment":"neutral","sentiment_score":0.04699525237083435}],"sentiment":"neutral","sentiment_score":-0.025460323306743974,"num_words":77,"start":374.99,"end":416.30502},{"sentences":[{"text":"Yes.","start":416.445,"end":416.945,"sentiment":"neutral","sentiment_score":0.06564407795667648},{"text":"Correct.","start":417.005,"end":417.505,"sentiment":"neutral","sentiment_score":0.08728184551000595},{"text":"Yep.","start":423.26,"end":423.76,"sentiment":"neutral","sentiment_score":0.03825932368636131},{"text":"Sales.","start":424.46,"end":424.96,"sentiment":"neutral","sentiment_score":0.03098319098353386},{"text":"Yes.","start":425.9,"end":426.38,"sentiment":"neutral","sentiment_score":0.04678408429026604}],"sentiment":"neutral","sentiment_score":0.05379050448536873,"num_words":5,"start":416.445,"end":426.38},{"sentences":[{"text":"Yep.","start":426.38,"end":426.86,"sentiment":"neutral","sentiment_score":0.265042245388031},{"text":"Beautiful.","start":426.86,"end":427.36,"sentiment":"positive","sentiment_score":0.6727284789085388},{"text":"Now what this one here tells you, it shows you their individual investments.","start":428.46,"end":432.48,"sentiment":"neutral","sentiment_score":0.21192230226901862},{"text":"So it shows you how they have performed.","start":433.11502,"end":435.21503,"sentiment":"neutral","sentiment_score":0.25037675723433495},{"text":"Now you can see here that overall, most of your investments have done pretty good considering what's going on in in the market, which is fantastic.","start":435.755,"end":444.33502,"sentiment":"positive","sentiment_score":0.5860163810161444}],"sentiment":"positive","sentiment_score":0.42718776771608663,"num_words":49,"start":426.38,"end":444.33502},{"sentences":[{"text":"Now there is one investment that you can see here that was underperforming, which was down, which was your Benelong Australian Equity Fund.","start":444.91998,"end":453.66,"sentiment":"neutral","sentiment_score":-0.03192947632329458},{"text":"Now did you get an email it was around the March 13.","start":454.19998,"end":460.3,"sentiment":"neutral","sentiment_score":-0.010365272872149944},{"text":"Yes.","start":463.185,"end":463.665,"sentiment":"neutral","sentiment_score":0.027358222752809525},{"text":"So what that email was, just for your reference, it wasn't anything you had to sign, but it was to let you know of this investment change.","start":463.665,"end":471.685,"sentiment":"neutral","sentiment_score":0.005405900827436535},{"text":"Because what we do continuously is obviously doing research on your investment.","start":472.065,"end":476.165,"sentiment":"neutral","sentiment_score":0.012947340495884418}],"sentiment":"neutral","sentiment_score":-0.007067674651431541,"num_words":75,"start":444.91998,"end":476.165},{"sentences":[{"text":"And sometimes there are just a bit of a shift in the market depending on what's going on.","start":477.09,"end":481.16998,"sentiment":"neutral","sentiment_score":-0.036592477932572365},{"text":"So if it's a bit of a trend at the moment and we foresee the investment coming back around, then you don't always want to sell when things are are down because you can obviously the the market up goes up and down, and that's just kind of what happens.","start":481.16998,"end":494.205,"sentiment":"neutral","sentiment_score":-0.08231498032808304},{"text":"But if we do a lot of research on an investment and we foresee them kind of underperforming a little bit, being a little bit slower in making the choices, we then want to be proactive in swapping things out for you.","start":494.345,"end":507.82,"sentiment":"neutral","sentiment_score":-0.12161580996499174},{"text":"So we've looked a lot at the Bennelong investment, and it was underperforming more recently, which you can see here as well.","start":508.04,"end":515.02,"sentiment":"neutral","sentiment_score":-0.05327635419301011},{"text":"They were a little bit slower in making investment choices.","start":516.44,"end":519.5,"sentiment":"neutral","sentiment_score":-0.1572112761437893}],"sentiment":"neutral","sentiment_score":-0.08891880416481847,"num_words":142,"start":477.09,"end":519.5},{"sentences":[{"text":"So we made the decision after doing research that there was another a better alternative option for you that we could swap it for.","start":520.25494,"end":528.355,"sentiment":"neutral","sentiment_score":-0.010776438207055131},{"text":"So we have already gone ahead and made that change for you, which is good, and that is swapping then along for another investment, which is called the BetaShares Australia two hundred.","start":528.57495,"end":539.42,"sentiment":"neutral","sentiment_score":0.17338680056855083},{"text":"So while we are removing one Australian investment, we wanted to swap it with something similar as well because we do wanna make sure that all of your portfolio is very diversified.","start":540.04,"end":550.675,"sentiment":"neutral","sentiment_score":0.08305842248955742},{"text":"You don't want just everything in The US or everything in Europe.","start":551.375,"end":554.735,"sentiment":"neutral","sentiment_score":-0.05231849445650975},{"text":"You wanna make sure you have a well kind of diversified portfolio.","start":554.735,"end":557.955,"sentiment":"neutral","sentiment_score":0.055874514393508434}],"sentiment":"neutral","sentiment_score":0.0713418291083404,"num_words":112,"start":520.25494,"end":557.955},{"sentences":[{"text":"So we wanted to focus on another Australian investment, but the BetaShares 200, it's it's a little bit cheaper, and it has performed a bit better, which is good.","start":558.73,"end":567.47003,"sentiment":"positive","sentiment_score":0.407009297403796},{"text":"The the way that that one is is that it invests in the 200 largest companies listed in Australia on the ASX.","start":568.33,"end":575.625,"sentiment":"neutral","sentiment_score":0.27086699957197363},{"text":"So you'll have all the big banks and Woolworths and, you know, all all of the big companies.","start":575.925,"end":580.805,"sentiment":"neutral","sentiment_score":0.2983779004878468},{"text":"So it is very diversified because we invest in 200 companies.","start":580.805,"end":584.105,"sentiment":"neutral","sentiment_score":0.321751976555044},{"text":"So we have already gone ahead and made that switch for you.","start":584.77997,"end":587.66,"sentiment":"positive","sentiment_score":0.42198774466911954}],"sentiment":"positive","sentiment_score":0.34495946198053984,"num_words":92,"start":558.73,"end":587.66},{"sentences":[{"text":"So you can see that the other investments have done pretty good, and that was one that was underperforming, which we've already switched out for you.","start":587.66,"end":596.62,"sentiment":"neutral","sentiment_score":0.26161061986707723},{"text":"Does that make sense?","start":596.62,"end":597.75995,"sentiment":"neutral","sentiment_score":0.12217909470200539},{"text":"Yep.","start":599.005,"end":599.325,"sentiment":"neutral","sentiment_score":0.11489950865507126},{"text":"Perfect.","start":599.325,"end":599.805,"sentiment":"positive","sentiment_score":0.36064815521240234},{"text":"Do you have any questions in regards to that?","start":599.805,"end":602.065,"sentiment":"neutral","sentiment_score":0.10093527866734399}],"sentiment":"neutral","sentiment_score":0.21157457724940487,"num_words":41,"start":587.66,"end":602.065},{"sentences":[{"text":"No.","start":603.325,"end":603.725,"sentiment":"neutral","sentiment_score":0.02530708909034729},{"text":"Beautiful.","start":603.725,"end":604.225,"sentiment":"neutral","sentiment_score":0.199299156665802},{"text":"Now what is the next attachment that you can see on your end?","start":605.005,"end":608.465,"sentiment":"neutral","sentiment_score":0.029918436175928667},{"text":"What is the next document that you can see there?","start":611.26,"end":613.58,"sentiment":"neutral","sentiment_score":0.0027961266227066518},{"text":"Sorry.","start":613.58,"end":614.08,"sentiment":"neutral","sentiment_score":-0.023600971326231956}],"sentiment":"neutral","sentiment_score":0.023765623497848328,"num_words":26,"start":603.325,"end":614.08},{"sentences":[{"text":"Sorry.","start":617.74,"end":618.06,"sentiment":"neutral","sentiment_score":-0.027207743376493457},{"text":"Say that again.","start":618.06,"end":618.7,"sentiment":"neutral","sentiment_score":-0.01758112075428168},{"text":"You just cut out a little bit for me.","start":618.7,"end":620.64,"sentiment":"neutral","sentiment_score":0.007279477185673184},{"text":"Yes.","start":626.47504,"end":626.955,"sentiment":"neutral","sentiment_score":0.026699300855398175},{"text":"Can you open that one for me?","start":626.955,"end":628.575,"sentiment":"neutral","sentiment_score":0.02734972776046821}],"sentiment":"neutral","sentiment_score":0.009700551629066467,"num_words":21,"start":617.74,"end":628.575},{"sentences":[{"text":"Yep.","start":629.755,"end":630.23505,"sentiment":"neutral","sentiment_score":0.10115115344524384},{"text":"Perfect.","start":630.23505,"end":630.73505,"sentiment":"neutral","sentiment_score":0.26320457458496094},{"text":"Now you probably have seen something similar to this before, but it is good.","start":631.515,"end":637.29004,"sentiment":"neutral","sentiment_score":0.27342620279107777},{"text":"And Vanguard does publish this every year, so it's always kind of keeping up to date.","start":637.29004,"end":643.05005,"sentiment":"neutral","sentiment_score":0.2368482919409871},{"text":"So to do it at each financial year, so soon we'll have an updated version.","start":643.05005,"end":646.75,"sentiment":"neutral","sentiment_score":0.1461566522717476}],"sentiment":"neutral","sentiment_score":0.2164732983454745,"num_words":47,"start":629.755,"end":646.75},{"sentences":[{"text":"But, essentially, the reason we do include it is because it does give us a good visual representation of the market.","start":647.53,"end":655.875,"sentiment":"neutral","sentiment_score":0.2798286172605696},{"text":"And it does make it a little bit easier to see, like, a bigger picture as well.","start":656.415,"end":660.275,"sentiment":"neutral","sentiment_score":0.294888189610313},{"text":"Now from this here, you can see that when we are looking long term, market always goes up.","start":660.335,"end":666.94995,"sentiment":"neutral","sentiment_score":0.08277778430945343},{"text":"All the asset classes goes up.","start":666.94995,"end":668.97,"sentiment":"neutral","sentiment_score":0.09910433118542035},{"text":"But short term, you can see that depending on what is going on in the world, there will be some ups and downs and market fluctuations.","start":669.11,"end":676.73,"sentiment":"neutral","sentiment_score":0.020527805273349468}],"sentiment":"neutral","sentiment_score":0.15349828667769377,"num_words":88,"start":647.53,"end":676.73},{"sentences":[{"text":"Now how your money is currently invested as well is that we have you in a high growth portfolio.","start":679.095,"end":685.915,"sentiment":"neutral","sentiment_score":0.2007211823212473},{"text":"Do you remember what a high growth investor is at all?","start":686.615,"end":690.875,"sentiment":"neutral","sentiment_score":0.06946746530857953},{"text":"No.","start":693.32,"end":693.8,"sentiment":"neutral","sentiment_score":-0.16941460967063904},{"text":"That's okay.","start":693.8,"end":694.7,"sentiment":"neutral","sentiment_score":-0.04196410998702049},{"text":"Now, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until retirement and that you are comfortable seeing a bit of short term fluctuations to your investment in order to try to grow your super long term.","start":695.32,"end":715.215,"sentiment":"neutral","sentiment_score":0.17914382754159824}],"sentiment":"neutral","sentiment_score":0.16130961904699884,"num_words":89,"start":679.095,"end":715.215},{"sentences":[{"text":"Now when we are also then looking at how your money is invested in a high growth portfolio, we typically see 90% invested in what we would call your growth assets.","start":715.835,"end":729.08,"sentiment":"neutral","sentiment_score":0.15955263352201832},{"text":"Now on the chart here in front of you, you can see that your growth investments are made up of the top four.","start":729.62,"end":737.505,"sentiment":"neutral","sentiment_score":0.16231513509283896},{"text":"So the top four lines, so you have your US shares, which is your your light green.","start":737.805,"end":742.625,"sentiment":"neutral","sentiment_score":0.11478209889986936},{"text":"You have your Australian shares, which is kind of like your darker green line.","start":743.245,"end":747.825,"sentiment":"neutral","sentiment_score":0.10866374682102885},{"text":"You also have international shares, which is like your yellow line, and then property as well as well, which is that kind of maroon color.","start":748.67,"end":757.49,"sentiment":"neutral","sentiment_score":0.10990042954683304}],"sentiment":"neutral","sentiment_score":0.13544980565255338,"num_words":110,"start":715.835,"end":757.49},{"sentences":[{"text":"Can you see kind of where where I'm at?","start":757.70996,"end":760.20996,"sentiment":"neutral","sentiment_score":-0.002047728333208296},{"text":"Yep.","start":761.325,"end":761.725,"sentiment":"neutral","sentiment_score":0.3224921226501465},{"text":"Beautiful.","start":761.725,"end":762.225,"sentiment":"positive","sentiment_score":0.6126701831817627},{"text":"So this is where you do have about 90% at the moment.","start":762.445,"end":765.505,"sentiment":"positive","sentiment_score":0.3446397731701533},{"text":"And these are the ones that you can see grow the most when we are looking at a longer period of time, but they also fluctuate in the short term.","start":765.725,"end":774.0,"sentiment":"neutral","sentiment_score":0.25278177683552105}],"sentiment":"neutral","sentiment_score":0.23841251573472652,"num_words":53,"start":757.70996,"end":774.0},{"sentences":[{"text":"You do have 10% in a high growth than in your defensive.","start":774.8,"end":779.3,"sentiment":"neutral","sentiment_score":0.27348725373546284},{"text":"So that's like your bottom three.","start":779.52,"end":781.22,"sentiment":"neutral","sentiment_score":0.27370991309483844},{"text":"So you'll have your cash, fixed interest, and then typically gold can factor into this as well.","start":781.44,"end":788.5,"sentiment":"neutral","sentiment_score":0.24781666783725514},{"text":"And the purpose is to tryna level things out and smooth it out a little bit.","start":788.705,"end":792.625,"sentiment":"neutral","sentiment_score":0.1549122016876936},{"text":"Because you can see that they don't grow near as much, but they're a little bit more steady when it comes to how they're growing.","start":792.625,"end":798.625,"sentiment":"neutral","sentiment_score":0.08793930269777775}],"sentiment":"neutral","sentiment_score":0.18176404830362453,"num_words":76,"start":774.8,"end":798.625},{"sentences":[{"text":"So we wanna have some element of that to your portfolio, limit those fluctuations a little bit.","start":798.625,"end":805.71,"sentiment":"neutral","sentiment_score":0.13205453030326786},{"text":"Now when we are then also thinking about a time frame, because we wanna make sure as well that aside from you being comfortable with short term fluctuation, that you also have enough time for these ups and downs to come back around.","start":806.17004,"end":820.19495,"sentiment":"neutral","sentiment_score":0.07278779426286387},{"text":"So when we are looking at a high growth portfolio, we would like to typically see at least eight years till retirement to making sure that you have enough time for those fluctuations to come back around and continue to grow.","start":820.65497,"end":834.91003,"sentiment":"neutral","sentiment_score":0.10371924609672732},{"text":"So from a time frame point of view, you definitely have more than eight years until retirement.","start":835.45,"end":841.15,"sentiment":"neutral","sentiment_score":0.13226798089111552},{"text":"So from that time frame, you are in a well positioned being in a high growth portfolio.","start":842.26495,"end":846.925,"sentiment":"neutral","sentiment_score":0.30707330826450796}],"sentiment":"neutral","sentiment_score":0.12663772721533423,"num_words":135,"start":798.625,"end":846.925},{"sentences":[{"text":"But are you still comfortable with, like, the level of risk and fluctuation with a high growth portfolio?","start":847.46497,"end":853.00494,"sentiment":"neutral","sentiment_score":0.0659862139986621},{"text":"Yes?","start":869.575,"end":870.075,"sentiment":"neutral","sentiment_score":-0.012897636741399763},{"text":"Yes.","start":874.455,"end":874.935,"sentiment":"neutral","sentiment_score":0.12643000483512878},{"text":"So what we can do is I can do after the call or probably early next week, I can send you an email with a bit of an updated projection for you if you would like because there's quite a bit of math and calculation that goes into it.","start":874.935,"end":891.285,"sentiment":"neutral","sentiment_score":0.11691307033203086},{"text":"But I can I can get that drawn up and working on the numbers for you and then send it to you in an email if you'll be happy with that?","start":892.32495,"end":899.625,"sentiment":"neutral","sentiment_score":0.17595623289385148}],"sentiment":"neutral","sentiment_score":0.12484667886048556,"num_words":100,"start":847.46497,"end":899.625},{"sentences":[{"text":"And that gives you I can do five and ten years if you would like just to kind of show you the way that things are tracking.","start":899.76495,"end":908.35004,"sentiment":"neutral","sentiment_score":0.13761386026938757},{"text":"Longer than that as well, there is so much that can change.","start":909.45,"end":912.35004,"sentiment":"neutral","sentiment_score":-0.026486801604429882},{"text":"So, typically yes.","start":912.81,"end":917.61005,"sentiment":"neutral","sentiment_score":0.07124626884857814},{"text":"I can do five and ten years and email that to you to kind of show you where you are on track for at the moment.","start":917.61005,"end":924.005,"sentiment":"neutral","sentiment_score":0.17819116522486395},{"text":"Yeah.","start":925.34503,"end":925.66504,"sentiment":"neutral","sentiment_score":0.1551842987537384}],"sentiment":"neutral","sentiment_score":0.1217337102777716,"num_words":69,"start":899.76495,"end":925.66504},{"sentences":[{"text":"Would that be helpful?","start":925.66504,"end":926.645,"sentiment":"neutral","sentiment_score":0.22262650728225708},{"text":"Yep.","start":928.305,"end":928.805,"sentiment":"positive","sentiment_score":0.3651036918163299},{"text":"Great.","start":928.865,"end":929.365,"sentiment":"neutral","sentiment_score":0.07125484198331833},{"text":"And for the time being, otherwise, you are happy with, like, your high growth portfolio in terms of how your money is invested, like the level of risk and stuff?","start":930.545,"end":942.77997,"sentiment":"neutral","sentiment_score":0.2887491278350353},{"text":"Yes.","start":949.355,"end":949.855,"sentiment":"neutral","sentiment_score":0.1788669228553772}],"sentiment":"neutral","sentiment_score":0.27481636002257065,"num_words":37,"start":925.66504,"end":949.855},{"sentences":[{"text":"Yep.","start":950.15497,"end":950.65497,"sentiment":"neutral","sentiment_score":0.19407394528388977},{"text":"Yep.","start":954.795,"end":955.295,"sentiment":"neutral","sentiment_score":0.2780236005783081},{"text":"Yes.","start":957.195,"end":957.695,"sentiment":"neutral","sentiment_score":0.1849895417690277},{"text":"Yep.","start":957.995,"end":958.495,"sentiment":"neutral","sentiment_score":0.07910066843032837},{"text":"Yeah.","start":959.195,"end":959.695,"sentiment":"neutral","sentiment_score":0.02995063178241253}],"sentiment":"neutral","sentiment_score":0.1532276775687933,"num_words":5,"start":950.15497,"end":959.695},{"sentences":[{"text":"Yep.","start":965.21,"end":965.71,"sentiment":"neutral","sentiment_score":0.016168992966413498},{"text":"Yep.","start":965.93,"end":966.43,"sentiment":"neutral","sentiment_score":0.013081593438982964},{"text":"Yep.","start":968.49,"end":968.99,"sentiment":"neutral","sentiment_score":0.018393363803625107},{"text":"Yep.","start":969.05,"end":969.55,"sentiment":"neutral","sentiment_score":0.03145129233598709},{"text":"Yep.","start":972.01,"end":972.51,"sentiment":"neutral","sentiment_score":0.011295008473098278}],"sentiment":"neutral","sentiment_score":0.01807805020362139,"num_words":5,"start":965.21,"end":972.51},{"sentences":[{"text":"So from a risk profile point of view, it is also dependent now a lot of clients similar to yourself, we see in a high growth portfolio because you have a lot of time.","start":974.985,"end":987.405,"sentiment":"neutral","sentiment_score":0.01451739131966058},{"text":"So you have time for those fluctuations.","start":987.99,"end":989.93,"sentiment":"neutral","sentiment_score":0.0012671697352613723},{"text":"So, yes, some years will be really good, other years not so good because you do have those fluctuations.","start":990.15,"end":997.37,"sentiment":"neutral","sentiment_score":-0.06979252515654814},{"text":"And that is just the nature of the market.","start":997.59,"end":999.85004,"sentiment":"neutral","sentiment_score":-0.03205619090133243},{"text":"But when we are then looking at a longer period of time, so a longer time frame, you will see that it's typically performing a lot better than your defensive portfolio.","start":1000.15497,"end":1011.355,"sentiment":"neutral","sentiment_score":0.09037833612772726}],"sentiment":"neutral","sentiment_score":0.016896262168884277,"num_words":100,"start":974.985,"end":1011.355},{"sentences":[{"text":"If you're defensive, you will have a little bit smoother.","start":1011.355,"end":1013.855,"sentiment":"neutral","sentiment_score":0.0820295874029398},{"text":"Each year is kind of maybe average, not as good, but then you also don't have the the the lows.","start":1013.915,"end":1019.94995,"sentiment":"neutral","sentiment_score":0.012154131068382413},{"text":"But long term, you're not gonna see it grow as much.","start":1020.64996,"end":1023.44995,"sentiment":"neutral","sentiment_score":-0.028608929027210583},{"text":"So from a from a time frame, typically, like I said, I do have most clients in a high growth portfolio similar to yourself.","start":1023.44995,"end":1031.265,"sentiment":"neutral","sentiment_score":0.2883759904652834},{"text":"What also plays in role is also what you are comfortable with.","start":1032.225,"end":1035.685,"sentiment":"neutral","sentiment_score":0.20140060409903526}],"sentiment":"neutral","sentiment_score":0.13099365320068773,"num_words":77,"start":1011.355,"end":1035.685},{"sentences":[{"text":"Because aside from time, it is also your behavior in regards to feeling it.","start":1035.905,"end":1040.705,"sentiment":"neutral","sentiment_score":0.10004377075737077},{"text":"Because at the same time, I have some clients who are 70 who wants max risk, and they're comfortable with it.","start":1040.705,"end":1047.23,"sentiment":"neutral","sentiment_score":0.17802329929102034},{"text":"And I have others who are very defensive.","start":1048.33,"end":1051.3099,"sentiment":"neutral","sentiment_score":-0.015381772071123123},{"text":"I have some 20 year old who's like, no.","start":1051.7699,"end":1054.01,"sentiment":"neutral","sentiment_score":-0.0642704926431179},{"text":"I don't feel comfortable with with any fluctuations, and they're super conservative.","start":1054.01,"end":1057.71,"sentiment":"neutral","sentiment_score":-0.1739149068792661}],"sentiment":"neutral","sentiment_score":0.036728665356349666,"num_words":64,"start":1035.905,"end":1057.71},{"sentences":[{"text":"They are more kind of unique.","start":1058.875,"end":1060.735,"sentiment":"neutral","sentiment_score":-0.07790084555745125},{"text":"Typically, as long as you kind of understand that things will fluctuate on the short term as long as it will continue in the long term through to give you those returns.","start":1061.115,"end":1071.535,"sentiment":"neutral","sentiment_score":0.06781985712586902},{"text":"Short term, there will be some of those fluctuations.","start":1072.28,"end":1074.46,"sentiment":"neutral","sentiment_score":0.2041866166724099},{"text":"So from a time frame, like I said, you are in a good position with a high growth portfolio as long as you do feel comfortable with those short term fluctuations.","start":1074.6,"end":1083.5,"sentiment":"positive","sentiment_score":0.48524940110022025},{"text":"As long as long term, it will continue to grow.","start":1083.7999,"end":1087.34,"sentiment":"positive","sentiment_score":0.5097613602876663}],"sentiment":"neutral","sentiment_score":0.2691006243377077,"num_words":88,"start":1058.875,"end":1087.34},{"sentences":[{"text":"Does that make sense?","start":1087.565,"end":1088.625,"sentiment":"neutral","sentiment_score":0.17148446291685104},{"text":"Yep.","start":1089.645,"end":1089.965,"sentiment":"neutral","sentiment_score":0.20040187239646912},{"text":"Yep.","start":1089.965,"end":1090.365,"sentiment":"neutral","sentiment_score":0.2164798080921173},{"text":"But what I will do, like I said for you anyway, as I will do a bit of an updated projection, so that you can see how how things are tracking and going for you with the investments and stuff like that as well.","start":1090.605,"end":1101.3,"sentiment":"neutral","sentiment_score":0.23516790873625062},{"text":"Yep.","start":1101.3,"end":1101.8,"sentiment":"neutral","sentiment_score":0.2885372042655945}],"sentiment":"neutral","sentiment_score":0.23017146511405123,"num_words":51,"start":1087.565,"end":1101.8},{"sentences":[{"text":"Perfect.","start":1102.8201,"end":1103.3201,"sentiment":"positive","sentiment_score":0.5597774982452393},{"text":"And when it comes to superannuation, otherwise, I do have here that, ideally, you would like to retire and start drawing an income from your super at the age of 65.","start":1103.62,"end":1114.3601,"sentiment":"neutral","sentiment_score":0.22432337701320648},{"text":"Is that still kind of the plan, do you think?","start":1114.74,"end":1117.24,"sentiment":"neutral","sentiment_score":0.0022259656339883834},{"text":"Hopefully.","start":1121.115,"end":1121.615,"sentiment":"neutral","sentiment_score":0.17528864741325378},{"text":"And income wise, I have here that you would like to draw a weekly income of about $700 per week to to kind of cover bills and expenses and everything.","start":1123.275,"end":1135.53,"sentiment":"neutral","sentiment_score":0.2039820725719134}],"sentiment":"neutral","sentiment_score":0.18946318721322164,"num_words":73,"start":1102.8201,"end":1135.53},{"sentences":[{"text":"Do you still think that would be achievable, or do you think you need to draw a little bit more potentially?","start":1135.53,"end":1140.99,"sentiment":"neutral","sentiment_score":0.07314582914113998},{"text":"Yeah?","start":1143.77,"end":1144.27,"sentiment":"neutral","sentiment_score":0.01421653851866722},{"text":"Yeah.","start":1146.8151,"end":1147.2151,"sentiment":"neutral","sentiment_score":0.2639598846435547},{"text":"Perfect.","start":1147.2151,"end":1147.615,"sentiment":"positive","sentiment_score":0.5610693097114563},{"text":"I'll just put it about 1,500 for you, especially with living living expenses and everything.","start":1147.615,"end":1153.855,"sentiment":"positive","sentiment_score":0.3799116810162862}],"sentiment":"neutral","sentiment_score":0.20702521436107466,"num_words":39,"start":1135.53,"end":1153.855},{"sentences":[{"text":"Most people do say between 1,000 and 2,000, so 1,500 is pretty spot on what most people would say they need for retirement.","start":1153.855,"end":1163.31,"sentiment":"positive","sentiment_score":0.3495890912802323},{"text":"And most of the time for retirement, so people's goals are to make sure you have your property, like, paid off.","start":1165.53,"end":1170.89,"sentiment":"neutral","sentiment_score":0.3059234746864864},{"text":"So, ideally, maybe not have a mortgage or much debt, And then it's just a matter of, you know, covering living expenses or travel or anything like that as well.","start":1170.89,"end":1181.805,"sentiment":"neutral","sentiment_score":0.1699130728840828},{"text":"Now what is the next document that you can see there for me?","start":1184.025,"end":1187.485,"sentiment":"neutral","sentiment_score":0.04381460023040955},{"text":"Yep.","start":1189.15,"end":1189.65,"sentiment":"neutral","sentiment_score":0.07697354257106781}],"sentiment":"neutral","sentiment_score":0.22964656363580038,"num_words":88,"start":1153.855,"end":1189.65},{"sentences":[{"text":"Yes.","start":1199.995,"end":1200.495,"sentiment":"neutral","sentiment_score":0.1252802610397339},{"text":"So that one there, it basically just breaks down your insurances in more detail.","start":1200.5549,"end":1205.615,"sentiment":"neutral","sentiment_score":0.13925858161279134},{"text":"So you don't have to open it now, but, basically, it shows you, yeah, your insurances in more detail, but just lets you know that's all paid and up to date, essentially.","start":1205.755,"end":1214.975,"sentiment":"neutral","sentiment_score":0.21625302848406136},{"text":"Yep.","start":1216.35,"end":1216.59,"sentiment":"neutral","sentiment_score":0.06512466073036194},{"text":"And what's the next one for me?","start":1216.59,"end":1218.37,"sentiment":"neutral","sentiment_score":0.04561010641711099}],"sentiment":"neutral","sentiment_score":0.17053441310470754,"num_words":55,"start":1199.995,"end":1218.37},{"sentences":[{"text":"Yes.","start":1222.83,"end":1223.31,"sentiment":"neutral","sentiment_score":0.15702563524246216},{"text":"Perfect.","start":1223.31,"end":1223.81,"sentiment":"positive","sentiment_score":0.38158729672431946},{"text":"So you have a services guide version one, and then you also have a financial services guide version two.","start":1224.11,"end":1233.265,"sentiment":"neutral","sentiment_score":0.1030011379012936},{"text":"Do you have that one as well?","start":1233.265,"end":1234.645,"sentiment":"neutral","sentiment_score":0.10862464989934649},{"text":"Yep.","start":1239.905,"end":1240.385,"sentiment":"neutral","sentiment_score":0.14902204275131226}],"sentiment":"neutral","sentiment_score":0.11741479807372751,"num_words":29,"start":1222.83,"end":1240.385},{"sentences":[{"text":"Perfect.","start":1240.385,"end":1240.885,"sentiment":"neutral","sentiment_score":0.2653520703315735},{"text":"But, essentially, if you want to click on the service guide for me, version one, the the version four is just like a bit of a shorter summary of it.","start":1241.68,"end":1253.7001,"sentiment":"neutral","sentiment_score":0.10474772813419501},{"text":"But if you can click on the one the the version one document.","start":1253.975,"end":1257.595,"sentiment":"neutral","sentiment_score":0.04809186865503971},{"text":"Now you would have seen something like this before.","start":1257.975,"end":1261.1951,"sentiment":"neutral","sentiment_score":0.15356840358840096},{"text":"It is one of those compliance documents, but it does give you all the important information in regards to Oakview for you.","start":1261.895,"end":1270.87,"sentiment":"neutral","sentiment_score":0.28476168689402664}],"sentiment":"neutral","sentiment_score":0.15573134601116181,"num_words":75,"start":1240.385,"end":1270.87},{"sentences":[{"text":"And it does show you all the team, our directors, our advisers, and everything there for you, so none of the important information has changed.","start":1270.87,"end":1279.85,"sentiment":"neutral","sentiment_score":0.27921913206577303},{"text":"But we've had a bit of an extension to the team, which is good, and also done a bit of updated marketing.","start":1280.0951,"end":1286.1951,"sentiment":"positive","sentiment_score":0.35963531651280145},{"text":"Now as you scroll through this one, if you scroll down to page 10, I believe, can can you see where it says meet our experienced team?","start":1287.295,"end":1302.8201,"sentiment":"neutral","sentiment_score":0.17547189775440428},{"text":"And you will have yep.","start":1302.8201,"end":1304.66,"sentiment":"neutral","sentiment_score":0.15782548040151595},{"text":"So you will actually see then myself there.","start":1304.66,"end":1307.24,"sentiment":"neutral","sentiment_score":0.20608733221888542}],"sentiment":"neutral","sentiment_score":0.2536554317707303,"num_words":87,"start":1270.87,"end":1307.24},{"sentences":[{"text":"If you do wanna put a face to the voice, and I am next to Dana.","start":1307.6449,"end":1311.345,"sentiment":"neutral","sentiment_score":0.12569070048630238},{"text":"Are you on that page, or who who can you see?","start":1314.445,"end":1317.105,"sentiment":"neutral","sentiment_score":0.0016833875666965139},{"text":"Yeah.","start":1330.38,"end":1330.62,"sentiment":"neutral","sentiment_score":0.0323166623711586},{"text":"I'm I'm next to Dana.","start":1330.62,"end":1331.9,"sentiment":"neutral","sentiment_score":0.037971430271863935},{"text":"I'm Veronica.","start":1331.9,"end":1332.64,"sentiment":"neutral","sentiment_score":0.03593735024333}],"sentiment":"neutral","sentiment_score":0.06638905672090394,"num_words":35,"start":1307.6449,"end":1332.64},{"sentences":[{"text":"Yes.","start":1333.615,"end":1334.115,"sentiment":"neutral","sentiment_score":0.06929031014442444},{"text":"Yeah.","start":1334.1749,"end":1334.6749,"sentiment":"neutral","sentiment_score":0.09923958778381348},{"text":"Sometimes it is nice to put a face to the voice, you know, if we're doing things over the phone, and so that you actually know who you're talking to.","start":1334.735,"end":1342.195,"sentiment":"positive","sentiment_score":0.3752089589834213},{"text":"But, yeah, all that information is in there for you.","start":1342.975,"end":1346.9149,"sentiment":"positive","sentiment_score":0.3557707637548447},{"text":"Now is the next one you can see the one where it asked you to sign?","start":1347.31,"end":1351.97,"sentiment":"neutral","sentiment_score":0.05117347021587193}],"sentiment":"neutral","sentiment_score":0.27243589359367715,"num_words":58,"start":1333.615,"end":1351.97},{"sentences":[{"text":"Your your next document after that, what does that look like?","start":1356.35,"end":1359.89,"sentiment":"neutral","sentiment_score":0.049880749291994354},{"text":"Fecan?","start":1368.845,"end":1369.345,"sentiment":"neutral","sentiment_score":0.007560215890407562},{"text":"Yes.","start":1370.045,"end":1370.545,"sentiment":"neutral","sentiment_score":0.05495668202638626},{"text":"Yeah.","start":1371.005,"end":1371.325,"sentiment":"neutral","sentiment_score":0.09316875040531158},{"text":"Perfect.","start":1371.325,"end":1371.825,"sentiment":"positive","sentiment_score":0.4833325743675232}],"sentiment":"neutral","sentiment_score":0.07918043099343777,"num_words":15,"start":1356.35,"end":1371.825},{"sentences":[{"text":"So that one here, that is your ongoing service agreement.","start":1371.965,"end":1375.825,"sentiment":"neutral","sentiment_score":0.24633490443229675},{"text":"Now that one here is if you are happy to stay on as a client.","start":1376.6001,"end":1381.66,"sentiment":"neutral","sentiment_score":0.30972224672635396},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1382.28,"end":1387.18,"sentiment":"neutral","sentiment_score":0.0447941105812788},{"text":"So that stays exactly the same at 1.65 from Super, so no changes in regards to the fee, and it is not a locking contract.","start":1387.56,"end":1397.815,"sentiment":"neutral","sentiment_score":0.12029310062527657},{"text":"So if at any point in time you are not happy, it is not a locking contract.","start":1397.955,"end":1403.495,"sentiment":"neutral","sentiment_score":-0.023311259334578234}],"sentiment":"neutral","sentiment_score":0.12984491365997097,"num_words":79,"start":1371.965,"end":1403.495},{"sentences":[{"text":"But, essentially, by signing this one, it allows you to remain a client and ask to continue to manage your account and everything for you in the meantime.","start":1403.88,"end":1414.54,"sentiment":"positive","sentiment_score":0.3568601847759315},{"text":"And then every annual review, it is something that you have to agree and sign again.","start":1414.84,"end":1419.34,"sentiment":"neutral","sentiment_score":0.18304140446707606},{"text":"We can't just keep charging fees otherwise.","start":1419.405,"end":1421.5851,"sentiment":"neutral","sentiment_score":-0.13370661756822041},{"text":"Does that make sense?","start":1422.045,"end":1423.105,"sentiment":"neutral","sentiment_score":0.051469773054122925},{"text":"Yes.","start":1426.4451,"end":1426.9451,"sentiment":"neutral","sentiment_score":0.017307886853814125}],"sentiment":"neutral","sentiment_score":0.2179997910945011,"num_words":56,"start":1403.88,"end":1426.9451},{"sentences":[{"text":"Yeah.","start":1429.3251,"end":1429.645,"sentiment":"neutral","sentiment_score":0.006170094013214111},{"text":"It is not a lock in contract.","start":1429.645,"end":1431.3251,"sentiment":"neutral","sentiment_score":-0.08194902965000697},{"text":"So let's say you, you know, sign the ongoing service agreement, and then let's say in a month's time, you move overseas, or you decide that, you know what, you are not happy with the services, there there's no lock in.","start":1431.3251,"end":1445.41,"sentiment":"neutral","sentiment_score":-0.05147032395981979},{"text":"There's no exit fees.","start":1445.41,"end":1446.53,"sentiment":"neutral","sentiment_score":-0.013425120152533054},{"text":"You can cancel whenever you want to.","start":1446.53,"end":1448.535,"sentiment":"neutral","sentiment_score":0.0009782213185514682}],"sentiment":"neutral","sentiment_score":-0.0454101554544953,"num_words":60,"start":1429.3251,"end":1448.535},{"sentences":[{"text":"So even if you do sign it, it's not like you are locked in for a certain amount of amount of time.","start":1449.495,"end":1455.1951,"sentiment":"neutral","sentiment_score":0.0030225644904104147},{"text":"But every year, it is a requirement that we get a new ongoing service agreement so that we can continue with Netwealth's management investments and do all of that for you.","start":1456.4551,"end":1466.79,"sentiment":"neutral","sentiment_score":0.19854604260575387},{"text":"But it is not like a it's it's not like you locked in for a certain amount of time at all.","start":1467.25,"end":1471.75,"sentiment":"neutral","sentiment_score":-0.1328316873737744},{"text":"Yep.","start":1472.8501,"end":1473.17,"sentiment":"neutral","sentiment_score":0.1452983021736145},{"text":"Does that make sense?","start":1473.17,"end":1474.31,"sentiment":"neutral","sentiment_score":0.1400449275970459}],"sentiment":"neutral","sentiment_score":0.05237261161113842,"num_words":79,"start":1449.495,"end":1474.31},{"sentences":[{"text":"Yep.","start":1475.475,"end":1475.795,"sentiment":"neutral","sentiment_score":0.27922186255455017},{"text":"Perfect.","start":1475.795,"end":1476.295,"sentiment":"positive","sentiment_score":0.5624886155128479},{"text":"And do you have one last doc last page there where it says tax file number?","start":1478.115,"end":1483.975,"sentiment":"neutral","sentiment_score":0.12508850428275764},{"text":"Yes, please.","start":1489.73,"end":1490.55,"sentiment":"neutral","sentiment_score":0.17032440751791},{"text":"Yep.","start":1490.6901,"end":1491.01,"sentiment":"neutral","sentiment_score":0.21469920873641968}],"sentiment":"neutral","sentiment_score":0.1618321223982743,"num_words":21,"start":1475.475,"end":1491.01},{"sentences":[{"text":"If you're happy to do so, it will ask you a signature date.","start":1491.01,"end":1494.15,"sentiment":"neutral","sentiment_score":0.2741776309334315},{"text":"Yep.","start":1502.145,"end":1502.645,"sentiment":"neutral","sentiment_score":0.21972303092479703},{"text":"Yes.","start":1506.9451,"end":1507.425,"sentiment":"neutral","sentiment_score":0.29758965969085693},{"text":"So that is just a compliance form for you, and that is just to say that we are keeping your tax file number secure and safe on the file.","start":1507.425,"end":1516.1799,"sentiment":"positive","sentiment_score":0.40961476235554134},{"text":"So that one does need a little signature and date as well, and those are the only two that need signing.","start":1516.5599,"end":1522.4199,"sentiment":"neutral","sentiment_score":0.11652609280177526}],"sentiment":"neutral","sentiment_score":0.28319227615228065,"num_words":65,"start":1491.01,"end":1522.4199},{"sentences":[{"text":"And then once you've added the signature, it should say validate, I believe.","start":1524.72,"end":1529.3451,"sentiment":"neutral","sentiment_score":0.1934216538300881},{"text":"And then once you press validate, it should load a little bit and then send it back to me, and then I can get all those forms uploaded and sorted for you.","start":1533.805,"end":1543.95,"sentiment":"neutral","sentiment_score":0.24207446398213506},{"text":"Yep.","start":1550.4099,"end":1550.73,"sentiment":"neutral","sentiment_score":0.029189905151724815},{"text":"No.","start":1550.73,"end":1550.89,"sentiment":"neutral","sentiment_score":-0.010772034525871277},{"text":"That's okay.","start":1550.89,"end":1551.45,"sentiment":"neutral","sentiment_score":0.03963668271899223}],"sentiment":"neutral","sentiment_score":0.211399093536394,"num_words":49,"start":1524.72,"end":1551.45},{"sentences":[{"text":"And while it does load, I do wanna just run through just a bit of an updated fact find with you as well just to see if there is anything major that has changed in in your life, if we do need to make any changes to your advice otherwise.","start":1551.45,"end":1567.805,"sentiment":"neutral","sentiment_score":0.07300354287028313},{"text":"So just bear with me as I go through these couple of questions.","start":1569.4199,"end":1572.7,"sentiment":"neutral","sentiment_score":0.21716506893818194},{"text":"And I can see here that those documents have just come through, which is fantastic, so thank you for that.","start":1572.7,"end":1577.6,"sentiment":"positive","sentiment_score":0.6218921095132828},{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents.","start":1578.38,"end":1586.355,"sentiment":"neutral","sentiment_score":0.07677458461962249},{"text":"Is that correct?","start":1586.495,"end":1587.3151,"sentiment":"neutral","sentiment_score":0.05267064521710078}],"sentiment":"neutral","sentiment_score":0.19550375498476483,"num_words":105,"start":1551.45,"end":1587.3151},{"sentences":[{"text":"Yep.","start":1593.2151,"end":1593.535,"sentiment":"neutral","sentiment_score":0.03219226002693176},{"text":"Okay.","start":1593.535,"end":1594.035,"sentiment":"neutral","sentiment_score":0.046148836612701416},{"text":"19.","start":1594.3351,"end":1594.8351,"sentiment":"neutral","sentiment_score":0.11218200623989104},{"text":"Perfect.","start":1595.055,"end":1595.535,"sentiment":"neutral","sentiment_score":0.32432276010513306},{"text":"So two, that's financial dependent, and then one that's a little bit older.","start":1595.535,"end":1600.0,"sentiment":"neutral","sentiment_score":0.03004742170182558}],"sentiment":"neutral","sentiment_score":0.053262490888728815,"num_words":17,"start":1593.2151,"end":1600.0},{"sentences":[{"text":"Yep.","start":1601.1001,"end":1601.42,"sentiment":"neutral","sentiment_score":0.08617974817752838},{"text":"Perfect.","start":1601.42,"end":1601.92,"sentiment":"neutral","sentiment_score":0.31657928228378296},{"text":"Now next option, so if for some reason we cannot get in touch with you, I have here a Kristel nominated.","start":1602.78,"end":1610.56,"sentiment":"neutral","sentiment_score":0.08410896768882162},{"text":"Yep.","start":1612.1549,"end":1612.475,"sentiment":"neutral","sentiment_score":0.027904734015464783},{"text":"Perfect.","start":1612.475,"end":1612.975,"sentiment":"neutral","sentiment_score":0.07400433719158173}],"sentiment":"neutral","sentiment_score":0.09083825692534447,"num_words":25,"start":1601.1001,"end":1612.975},{"sentences":[{"text":"But I don't have a phone number.","start":1614.075,"end":1616.095,"sentiment":"neutral","sentiment_score":-0.04137649121029036},{"text":"Do you have a contact?","start":1616.715,"end":1617.995,"sentiment":"neutral","sentiment_score":-0.005367359519004822},{"text":"Yep.","start":1617.995,"end":1618.315,"sentiment":"neutral","sentiment_score":0.01143229939043522},{"text":"Perfect.","start":1618.315,"end":1618.815,"sentiment":"neutral","sentiment_score":0.02266503870487213},{"text":"0452.","start":1618.875,"end":1622.715,"sentiment":"neutral","sentiment_score":0.007213307078927755}],"sentiment":"neutral","sentiment_score":-0.018344106059521435,"num_words":15,"start":1614.075,"end":1622.715},{"sentences":[{"text":"Yes.","start":1622.715,"end":1623.215,"sentiment":"neutral","sentiment_score":0.00867222435772419},{"text":"Three three five.","start":1625.55,"end":1626.67,"sentiment":"neutral","sentiment_score":0.004541805945336819},{"text":"Yep.","start":1626.67,"end":1627.17,"sentiment":"neutral","sentiment_score":0.011796945706009865},{"text":"386.","start":1628.91,"end":1629.87,"sentiment":"neutral","sentiment_score":0.0221113171428442},{"text":"Beautiful.","start":1629.87,"end":1630.37,"sentiment":"positive","sentiment_score":0.46258801221847534}],"sentiment":"neutral","sentiment_score":0.07411341675158058,"num_words":7,"start":1622.715,"end":1630.37},{"sentences":[{"text":"Thank you so much.","start":1630.59,"end":1631.81,"sentiment":"positive","sentiment_score":0.6473522335290909},{"text":"Now employment wise, are you still kind of working at the the cafe, like, self employed at the cafe, or has anything changed with your employment?","start":1632.51,"end":1642.495,"sentiment":"neutral","sentiment_score":0.019138766094469108},{"text":"Oh, the hospital?","start":1645.355,"end":1646.235,"sentiment":"neutral","sentiment_score":0.004267824658503136},{"text":"And what do you do there?","start":1646.235,"end":1647.5349,"sentiment":"neutral","sentiment_score":0.003532565819720427},{"text":"Oh, yes.","start":1649.515,"end":1650.4149,"sentiment":"neutral","sentiment_score":0.036133632995188236}],"sentiment":"neutral","sentiment_score":0.07788495091357972,"num_words":41,"start":1630.59,"end":1650.4149},{"sentences":[{"text":"Perfect.","start":1650.5801,"end":1650.8201,"sentiment":"neutral","sentiment_score":0.13959550857543945},{"text":"And is that a 100%, like, admin based?","start":1650.8201,"end":1653.4,"sentiment":"neutral","sentiment_score":0.05019786860793829},{"text":"Yep.","start":1654.8201,"end":1655.14,"sentiment":"neutral","sentiment_score":0.04613785445690155},{"text":"Perfect.","start":1655.14,"end":1655.64,"sentiment":"neutral","sentiment_score":0.1011270135641098},{"text":"And working full time?","start":1656.02,"end":1657.4,"sentiment":"neutral","sentiment_score":0.04408977320417762}],"sentiment":"neutral","sentiment_score":0.05765349455177784,"num_words":15,"start":1650.5801,"end":1657.4},{"sentences":[{"text":"Part time.","start":1659.06,"end":1659.9601,"sentiment":"neutral","sentiment_score":0.015643561258912086},{"text":"And how many hours would you do roughly a week or fortnight?","start":1660.26,"end":1665.335,"sentiment":"neutral","sentiment_score":0.003883106828046342},{"text":"Fifty six hours per fortnight.","start":1671.235,"end":1673.335,"sentiment":"neutral","sentiment_score":-0.009534419700503349},{"text":"Perfect.","start":1674.115,"end":1674.615,"sentiment":"neutral","sentiment_score":0.09953774511814116},{"text":"And when did you start there?","start":1675.555,"end":1677.415,"sentiment":"neutral","sentiment_score":0.027783458431561787}],"sentiment":"neutral","sentiment_score":0.011401953909975978,"num_words":26,"start":1659.06,"end":1677.415},{"sentences":[{"text":"A year.","start":1677.54,"end":1682.3401,"sentiment":"neutral","sentiment_score":0.027409707196056843},{"text":"Perfect.","start":1682.3401,"end":1682.8201,"sentiment":"neutral","sentiment_score":0.22415053844451904},{"text":"And do you like it?","start":1682.8201,"end":1684.12,"sentiment":"neutral","sentiment_score":0.1401766449213028},{"text":"Yeah.","start":1685.54,"end":1686.04,"sentiment":"neutral","sentiment_score":0.2065809816122055},{"text":"That's good.","start":1686.1001,"end":1687.0,"sentiment":"neutral","sentiment_score":0.3018527776002884}],"sentiment":"neutral","sentiment_score":0.16273997402326626,"num_words":11,"start":1677.54,"end":1687.0},{"sentences":[{"text":"And what hospital is it at?","start":1687.3,"end":1689.24,"sentiment":"neutral","sentiment_score":0.05767750305434068},{"text":"Armadale?","start":1691.395,"end":1691.895,"sentiment":"neutral","sentiment_score":0.04224365949630737},{"text":"Okay.","start":1692.035,"end":1692.435,"sentiment":"neutral","sentiment_score":0.1333138942718506},{"text":"Perfect.","start":1692.435,"end":1692.935,"sentiment":"neutral","sentiment_score":0.21042288839817047},{"text":"And do you know if do you have any, like, enterprise bargain agreement agreement, or do you get any additional benefits, like, to super or salary packaging or anything like that as part of the agreement at the hospital?","start":1694.515,"end":1711.34,"sentiment":"neutral","sentiment_score":0.05319766886532307}],"sentiment":"neutral","sentiment_score":0.058474053046666086,"num_words":48,"start":1687.3,"end":1711.34},{"sentences":[{"text":"Yeah.","start":1714.2,"end":1714.5199,"sentiment":"neutral","sentiment_score":0.041146472096443176},{"text":"And do you know what's entailed in that?","start":1714.5199,"end":1717.8999,"sentiment":"neutral","sentiment_score":0.024983985582366586},{"text":"Okay.","start":1724.115,"end":1724.4349,"sentiment":"neutral","sentiment_score":0.034141890704631805},{"text":"Are you Yes.","start":1724.4349,"end":1731.1901,"sentiment":"neutral","sentiment_score":0.033731877182920776},{"text":"Yep.","start":1731.73,"end":1732.13,"sentiment":"neutral","sentiment_score":0.11203720420598984}],"sentiment":"neutral","sentiment_score":0.0348852202296257,"num_words":14,"start":1714.2,"end":1732.13},{"sentences":[{"text":"Perfect.","start":1732.13,"end":1732.61,"sentiment":"neutral","sentiment_score":0.27036401629447937},{"text":"They usually have pretty good deals when you do work.","start":1732.61,"end":1735.83,"sentiment":"neutral","sentiment_score":0.21168704703450203},{"text":"Yeah.","start":1736.21,"end":1736.71,"sentiment":"neutral","sentiment_score":0.04017751291394234},{"text":"And your income at the moment on a yearly basis if you have that?","start":1737.97,"end":1742.55,"sentiment":"neutral","sentiment_score":0.006321118213236332},{"text":"About 6 yeah.","start":1748.6051,"end":1752.285,"sentiment":"neutral","sentiment_score":-0.004316317072759072}],"sentiment":"neutral","sentiment_score":0.08630892080415425,"num_words":29,"start":1732.13,"end":1752.285},{"sentences":[{"text":"So if you do, depending on how many hours and stuff you do, it will fluctuate a little bit.","start":1752.285,"end":1756.925,"sentiment":"neutral","sentiment_score":0.00808169126608654},{"text":"Yep.","start":1756.925,"end":1757.2451,"sentiment":"neutral","sentiment_score":0.062151651829481125},{"text":"Perfect.","start":1757.2451,"end":1757.7451,"sentiment":"neutral","sentiment_score":0.3307870626449585},{"text":"Alright.","start":1760.73,"end":1761.13,"sentiment":"neutral","sentiment_score":0.06591471284627914},{"text":"Around 50 to 60.","start":1761.13,"end":1762.6699,"sentiment":"neutral","sentiment_score":0.03079913929104805}],"sentiment":"neutral","sentiment_score":0.02829238917463674,"num_words":26,"start":1752.285,"end":1762.6699},{"sentences":[{"text":"Now do they pay you the standard contributions into super at 12%, or do they pay you any more?","start":1764.09,"end":1773.5499,"sentiment":"neutral","sentiment_score":0.0009706573266732065},{"text":"Yeah.","start":1782.405,"end":1782.905,"sentiment":"neutral","sentiment_score":-0.0022039106115698814},{"text":"Because now the minimum that they are required to do is 12%, but most employers does do 12.","start":1782.965,"end":1790.12,"sentiment":"neutral","sentiment_score":-0.023720724559906457},{"text":"Some government jobs do a little bit more.","start":1791.94,"end":1794.5199,"sentiment":"neutral","sentiment_score":-0.04993888922035694},{"text":"Maybe.","start":1799.22,"end":1799.7,"sentiment":"neutral","sentiment_score":0.04319525510072708}],"sentiment":"neutral","sentiment_score":-0.01632021962011114,"num_words":47,"start":1764.09,"end":1799.7},{"sentences":[{"text":"I can I can have a look at it and see if I can find it?","start":1799.7,"end":1803.1599,"sentiment":"neutral","sentiment_score":0.03639715223107487},{"text":"So Armadale Hospital, sometimes it is just a standard 12, but I'll have a little look at it.","start":1803.345,"end":1810.965,"sentiment":"neutral","sentiment_score":-0.0036879876473297677},{"text":"Because as well, when I do the updated projection and email that through to you, that will also then impact your income and contributions.","start":1811.585,"end":1819.9401,"sentiment":"neutral","sentiment_score":-0.005436261145708461},{"text":"So what I can do, would you like me to to base on 50,000 or 60,000?","start":1820.96,"end":1826.56,"sentiment":"neutral","sentiment_score":0.008645931317005306},{"text":"What do you think is more realistic for you?","start":1826.56,"end":1829.06,"sentiment":"neutral","sentiment_score":-0.008537392856346237}],"sentiment":"neutral","sentiment_score":0.005385527179677443,"num_words":83,"start":1799.7,"end":1829.06},{"sentences":[{"text":"Six 55?","start":1830.735,"end":1832.355,"sentiment":"neutral","sentiment_score":0.0006863302551209927},{"text":"So somewhere in the middle?","start":1832.655,"end":1833.6951,"sentiment":"neutral","sentiment_score":0.0015604067593812943},{"text":"Yeah.","start":1833.6951,"end":1833.935,"sentiment":"neutral","sentiment_score":0.03270028159022331},{"text":"Alright.","start":1833.935,"end":1834.175,"sentiment":"neutral","sentiment_score":0.0634014829993248},{"text":"So 55.","start":1834.175,"end":1835.395,"sentiment":"neutral","sentiment_score":0.04592699930071831}],"sentiment":"neutral","sentiment_score":0.017920950681648472,"num_words":11,"start":1830.735,"end":1835.395},{"sentences":[{"text":"And I will triple check those contributions for you just to make sure we have that correct.","start":1836.175,"end":1841.875,"sentiment":"neutral","sentiment_score":0.05755298584699631},{"text":"And I'll include that in the projections to show you as well as the insurances and everything so that you can see.","start":1843.9099,"end":1849.77,"sentiment":"neutral","sentiment_score":0.06331826136870818},{"text":"And are you salary sacrificing anything else into super or just from your employer that gets contributed into super?","start":1850.7899,"end":1858.49,"sentiment":"neutral","sentiment_score":-0.035289932826631946},{"text":"Yep.","start":1859.515,"end":1859.835,"sentiment":"neutral","sentiment_score":0.01936492696404457},{"text":"No.","start":1859.835,"end":1860.155,"sentiment":"neutral","sentiment_score":0.024258151650428772}],"sentiment":"neutral","sentiment_score":0.029075281073649723,"num_words":60,"start":1836.175,"end":1860.155},{"sentences":[{"text":"Beautiful.","start":1860.155,"end":1860.655,"sentiment":"neutral","sentiment_score":0.19765719771385193},{"text":"And when it comes to assets, so I have here that you have a property and loss that was valued at about 500,000.","start":1861.355,"end":1869.935,"sentiment":"neutral","sentiment_score":0.005167460878906043},{"text":"Oh, beautiful.","start":1872.85,"end":1873.59,"sentiment":"positive","sentiment_score":0.46304842829704285},{"text":"That's a nice little increase.","start":1873.65,"end":1875.03,"sentiment":"positive","sentiment_score":0.5888519406318664},{"text":"Well, especially over in, yeah, WA.","start":1877.25,"end":1880.23,"sentiment":"neutral","sentiment_score":-0.035248459316790104}],"sentiment":"neutral","sentiment_score":0.10744255680490185,"num_words":37,"start":1860.155,"end":1880.23},{"sentences":[{"text":"Seeing a bit of that crazy housing.","start":1880.85,"end":1882.79,"sentiment":"neutral","sentiment_score":-0.05843854110155787},{"text":"Yeah.","start":1887.615,"end":1888.115,"sentiment":"neutral","sentiment_score":-0.05414043366909027},{"text":"Yeah.","start":1893.535,"end":1894.035,"sentiment":"neutral","sentiment_score":-0.007942115887999535},{"text":"Yep.","start":1897.47,"end":1897.97,"sentiment":"neutral","sentiment_score":0.0441124401986599},{"text":"Yes.","start":1903.0701,"end":1903.5701,"sentiment":"neutral","sentiment_score":0.09920766949653624}],"sentiment":"neutral","sentiment_score":-0.02980292977934534,"num_words":11,"start":1880.85,"end":1903.5701},{"sentences":[{"text":"Yes.","start":1903.95,"end":1904.45,"sentiment":"neutral","sentiment_score":0.17048916220664978},{"text":"Yes.","start":1906.11,"end":1906.61,"sentiment":"neutral","sentiment_score":0.07610400766134262},{"text":"Yeah.","start":1908.1901,"end":1908.6901,"sentiment":"neutral","sentiment_score":-0.00013427622616291046},{"text":"Yes.","start":1909.3551,"end":1909.8551,"sentiment":"neutral","sentiment_score":0.09940679371356964},{"text":"Yeah.","start":1913.515,"end":1914.015,"sentiment":"neutral","sentiment_score":0.04983576014637947}],"sentiment":"neutral","sentiment_score":0.07914028950035572,"num_words":5,"start":1903.95,"end":1914.015},{"sentences":[{"text":"Yeah.","start":1914.7151,"end":1915.035,"sentiment":"neutral","sentiment_score":0.05799120292067528},{"text":"You got equity in the house, but if you wanted to upgrade, yes, you get more for your property.","start":1915.035,"end":1919.6951,"sentiment":"neutral","sentiment_score":0.05005385569835964},{"text":"But but something else is also more expensive.","start":1919.995,"end":1923.535,"sentiment":"neutral","sentiment_score":-0.1456767290364951},{"text":"Now your mortgage, I have here that last time, it was around 357,000.","start":1925.76,"end":1931.0599,"sentiment":"neutral","sentiment_score":-0.04785040350487599},{"text":"Still around that the same?","start":1934.32,"end":1935.52,"sentiment":"neutral","sentiment_score":-0.01904175728559494}],"sentiment":"neutral","sentiment_score":-0.018992682675952496,"num_words":46,"start":1914.7151,"end":1935.52},{"sentences":[{"text":"Yep.","start":1935.52,"end":1936.0,"sentiment":"neutral","sentiment_score":0.03291408345103264},{"text":"Perfect.","start":1936.0,"end":1936.5,"sentiment":"neutral","sentiment_score":0.22176867723464969},{"text":"And do you also have two motor vehicles valued at about 30,000?","start":1937.475,"end":1941.975,"sentiment":"neutral","sentiment_score":0.032453276216983795},{"text":"Over a 100?","start":1945.395,"end":1946.275,"sentiment":"neutral","sentiment_score":0.014794083001712957},{"text":"Perfect.","start":1946.275,"end":1946.6749,"sentiment":"neutral","sentiment_score":0.11319394409656525}],"sentiment":"neutral","sentiment_score":0.04453879268839955,"num_words":18,"start":1935.52,"end":1946.6749},{"sentences":[{"text":"And still two of them or more?","start":1946.6749,"end":1948.855,"sentiment":"neutral","sentiment_score":0.009220441803336143},{"text":"Three?","start":1950.45,"end":1950.85,"sentiment":"neutral","sentiment_score":-0.010979719460010529},{"text":"Okay.","start":1950.85,"end":1951.35,"sentiment":"neutral","sentiment_score":-0.00991152599453926},{"text":"So three cars.","start":1951.8099,"end":1953.03,"sentiment":"neutral","sentiment_score":-0.026784786954522133},{"text":"Four?","start":1954.45,"end":1954.85,"sentiment":"neutral","sentiment_score":-0.00002195127308368683}],"sentiment":"neutral","sentiment_score":-0.0028249588436805285,"num_words":13,"start":1946.6749,"end":1954.85},{"sentences":[{"text":"Okay.","start":1954.85,"end":1955.35,"sentiment":"neutral","sentiment_score":0.009990944527089596},{"text":"And do you have anything owing on any of the motor vehicles?","start":1955.8099,"end":1959.11,"sentiment":"neutral","sentiment_score":-0.02437931252643466},{"text":"Yeah.","start":1967.185,"end":1967.685,"sentiment":"neutral","sentiment_score":0.0474691167473793},{"text":"Okay.","start":1967.745,"end":1968.245,"sentiment":"neutral","sentiment_score":0.12174047529697418},{"text":"Perfect.","start":1968.305,"end":1968.785,"sentiment":"neutral","sentiment_score":0.21387675404548645}],"sentiment":"neutral","sentiment_score":0.006282846268732101,"num_words":16,"start":1954.85,"end":1968.785},{"sentences":[{"text":"So the cellular packaging, about 60 if you were to pay it.","start":1968.785,"end":1973.445,"sentiment":"neutral","sentiment_score":0.09482663373152415},{"text":"And the others are all paid off?","start":1973.665,"end":1975.605,"sentiment":"neutral","sentiment_score":0.029253055208495686},{"text":"Okay.","start":1976.97,"end":1977.4501,"sentiment":"neutral","sentiment_score":0.1479056179523468},{"text":"Perfect.","start":1977.4501,"end":1977.9501,"sentiment":"neutral","sentiment_score":0.21101918816566467},{"text":"Do you have any other assets, any other motorbikes or boats or savings in the bank or anything?","start":1978.25,"end":1985.71,"sentiment":"neutral","sentiment_score":0.01708197660951151}],"sentiment":"neutral","sentiment_score":0.051515163495563544,"num_words":39,"start":1968.785,"end":1985.71},{"sentences":[{"text":"Nope.","start":1985.77,"end":1986.27,"sentiment":"neutral","sentiment_score":0.010073739103972912},{"text":"Perfect.","start":1986.3301,"end":1986.8301,"sentiment":"neutral","sentiment_score":0.16302627325057983},{"text":"And do you have any other liabilities, like personal loans, credit cards, ZipPay aside from, like, the mortgage?","start":1988.105,"end":1994.045,"sentiment":"neutral","sentiment_score":0.01473434248732196},{"text":"No?","start":1994.3451,"end":1994.8451,"sentiment":"neutral","sentiment_score":-0.21943363547325137},{"text":"Alright.","start":1995.225,"end":1995.725,"sentiment":"neutral","sentiment_score":-0.07360034435987473}],"sentiment":"neutral","sentiment_score":0.006603827149691905,"num_words":22,"start":1985.77,"end":1995.725},{"sentences":[{"text":"Alright.","start":1996.425,"end":1996.925,"sentiment":"neutral","sentiment_score":0.2443539947271347},{"text":"Perfect.","start":1997.0651,"end":1997.5651,"sentiment":"positive","sentiment_score":0.669126570224762},{"text":"And when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":1998.105,"end":2002.2051,"sentiment":"neutral","sentiment_score":0.23639103211462498},{"text":"Is that correct?","start":2002.665,"end":2003.485,"sentiment":"neutral","sentiment_score":0.15602133671442667},{"text":"Yep.","start":2004.8,"end":2005.12,"sentiment":"neutral","sentiment_score":0.12384343147277832}],"sentiment":"neutral","sentiment_score":0.24034747820008884,"num_words":22,"start":1996.425,"end":2005.12},{"sentences":[{"text":"Perfect.","start":2005.12,"end":2005.6,"sentiment":"positive","sentiment_score":0.4330688714981079},{"text":"And have you had any significant health issues or injuries or anything in the last twelve months?","start":2005.6,"end":2011.46,"sentiment":"neutral","sentiment_score":0.009334327653050423},{"text":"No.","start":2012.8,"end":2013.3,"sentiment":"neutral","sentiment_score":-0.18777981400489807},{"text":"Yeah.","start":2016.3351,"end":2016.8351,"sentiment":"neutral","sentiment_score":-0.025967106223106384},{"text":"But nothing kind of that's preventing you from working or or any any other medication.","start":2018.495,"end":2023.235,"sentiment":"neutral","sentiment_score":-0.1289405715962251}],"sentiment":"neutral","sentiment_score":-0.04446008721632617,"num_words":35,"start":2005.12,"end":2023.235},{"sentences":[{"text":"No.","start":2023.775,"end":2024.175,"sentiment":"neutral","sentiment_score":-0.07212704420089722},{"text":"Okay.","start":2024.175,"end":2024.675,"sentiment":"neutral","sentiment_score":-0.007090684957802296},{"text":"And do you have private health insurance?","start":2025.775,"end":2027.635,"sentiment":"neutral","sentiment_score":-0.008319264277815819},{"text":"Just yep.","start":2031.5599,"end":2033.18,"sentiment":"neutral","sentiment_score":-0.0024841265767463483},{"text":"Okay.","start":2033.24,"end":2033.74,"sentiment":"neutral","sentiment_score":0.028312047943472866}],"sentiment":"neutral","sentiment_score":-0.009509065359452507,"num_words":12,"start":2023.775,"end":2033.74},{"sentences":[{"text":"And when it comes to estate planning, do you have a will or power of attorney in place?","start":2036.6,"end":2044.155,"sentiment":"neutral","sentiment_score":-0.005083985678437684},{"text":"No.","start":2045.895,"end":2046.215,"sentiment":"neutral","sentiment_score":-0.15876995027065277},{"text":"On the to do yeah.","start":2046.215,"end":2048.155,"sentiment":"neutral","sentiment_score":-0.057637978717684744},{"text":"On the to do list.","start":2048.375,"end":2049.835,"sentiment":"neutral","sentiment_score":-0.03475711233913899},{"text":"No.","start":2053.22,"end":2053.5398,"sentiment":"neutral","sentiment_score":-0.07292351126670837}],"sentiment":"neutral","sentiment_score":-0.02617268863444527,"num_words":30,"start":2036.6,"end":2053.5398},{"sentences":[{"text":"That's okay.","start":2053.5398,"end":2054.44,"sentiment":"neutral","sentiment_score":-0.002151218242943287},{"text":"What kind of dogs do you have?","start":2055.7,"end":2057.3198,"sentiment":"neutral","sentiment_score":-0.0009186869221074241},{"text":"Oh, beautiful.","start":2061.14,"end":2061.8599,"sentiment":"positive","sentiment_score":0.36225777864456177},{"text":"I have a Labrador, so I know I know the feeling.","start":2061.8599,"end":2065.72,"sentiment":"neutral","sentiment_score":0.12637443027713083},{"text":"Now do you have anyone who makes any financial decisions on your behalf?","start":2067.735,"end":2072.0752,"sentiment":"neutral","sentiment_score":0.022591279389766548}],"sentiment":"neutral","sentiment_score":0.06850250507039683,"num_words":35,"start":2053.5398,"end":2072.0752},{"sentences":[{"text":"Yep.","start":2074.935,"end":2075.435,"sentiment":"neutral","sentiment_score":0.007281511090695858},{"text":"No.","start":2076.8552,"end":2077.0952,"sentiment":"neutral","sentiment_score":-0.05431028828024864},{"text":"That's yeah.","start":2077.0952,"end":2079.995,"sentiment":"neutral","sentiment_score":-0.0010188296437263489},{"text":"And when it comes to your super as well and for your insurances, now I can see here that we do not have a nomination on file for you if something were to happen to you.","start":2080.935,"end":2095.095,"sentiment":"neutral","sentiment_score":0.011977351167135768},{"text":"So do you remember receiving those forms in the post at all?","start":2095.415,"end":2100.315,"sentiment":"neutral","sentiment_score":0.0061773367536564665}],"sentiment":"neutral","sentiment_score":0.00877396628045692,"num_words":52,"start":2074.935,"end":2100.315},{"sentences":[{"text":"Let me have a look because I can see here that it doesn't look like we received them.","start":2105.4949,"end":2110.29,"sentiment":"neutral","sentiment_score":-0.044295058068301946},{"text":"That sometimes especially from WA, so post can be a bit slower.","start":2110.29,"end":2116.79,"sentiment":"neutral","sentiment_score":-0.11496388725936413},{"text":"But if it was how long ago do you think?","start":2116.85,"end":2120.07,"sentiment":"neutral","sentiment_score":-0.0419315055012703},{"text":"Because we can't see it coming back.","start":2122.065,"end":2124.545,"sentiment":"neutral","sentiment_score":-0.08605920416968209},{"text":"So we send them to you.","start":2124.545,"end":2126.085,"sentiment":"neutral","sentiment_score":-0.03162705463667711}],"sentiment":"neutral","sentiment_score":-0.06393150008230838,"num_words":53,"start":2105.4949,"end":2126.085},{"sentences":[{"text":"It was a little while ago, quite a while ago.","start":2126.945,"end":2129.925,"sentiment":"neutral","sentiment_score":-0.07952637784183025},{"text":"Yeah.","start":2134.0798,"end":2134.3198,"sentiment":"neutral","sentiment_score":0.011029686778783798},{"text":"Of course.","start":2134.3198,"end":2135.0598,"sentiment":"neutral","sentiment_score":0.07531503960490227},{"text":"Yes.","start":2135.5198,"end":2135.92,"sentiment":"neutral","sentiment_score":0.11338943243026732},{"text":"Perfect.","start":2135.92,"end":2136.42,"sentiment":"neutral","sentiment_score":0.03795238584280014}],"sentiment":"neutral","sentiment_score":-0.03215081294377645,"num_words":15,"start":2126.945,"end":2136.42},{"sentences":[{"text":"Now do you have access to a printer, or do you prefer postage?","start":2137.1199,"end":2140.98,"sentiment":"neutral","sentiment_score":0.01586154540284322},{"text":"Okay.","start":2145.455,"end":2145.775,"sentiment":"neutral","sentiment_score":0.14897802472114563},{"text":"Because what I can do to make it easier, especially if post does take a while and just so you don't have to redo it, is that I can get the team to email them to you.","start":2145.775,"end":2156.275,"sentiment":"neutral","sentiment_score":0.31290450450536367},{"text":"That way, you have it in your inbox as well as a little a little prompt.","start":2156.655,"end":2162.52,"sentiment":"positive","sentiment_score":0.41805512458086014},{"text":"You just have to because you are making a legal nomination, you just have to print it, sign it, get it witnessed, and then send it back.","start":2162.98,"end":2170.92,"sentiment":"positive","sentiment_score":0.3635613300182201}],"sentiment":"neutral","sentiment_score":0.30252853920683265,"num_words":94,"start":2137.1199,"end":2170.92},{"sentences":[{"text":"That way, it's in an email as well, and it won't get lost in the post.","start":2170.98,"end":2174.3599,"sentiment":"positive","sentiment_score":0.5089070647954941},{"text":"So I will get the team to email that.","start":2175.0352,"end":2177.375,"sentiment":"positive","sentiment_score":0.3510005639659034},{"text":"Now do you have any idea of who you would like to nominate?","start":2177.435,"end":2180.975,"sentiment":"neutral","sentiment_score":0.0900295078754425},{"text":"Because there are different do you have any idea of who you would like to put down as a nominee?","start":2181.8352,"end":2187.375,"sentiment":"neutral","sentiment_score":-0.03202328830957413},{"text":"Because there are different rules and tax depending on who you want to nominate.","start":2188.1301,"end":2192.07,"sentiment":"neutral","sentiment_score":-0.04706755583174527}],"sentiment":"neutral","sentiment_score":0.15517347454119268,"num_words":72,"start":2170.98,"end":2192.07},{"sentences":[{"text":"Do you know who wants to receive it?","start":2193.97,"end":2195.9102,"sentiment":"neutral","sentiment_score":-0.028448081808164716},{"text":"Yes.","start":2196.37,"end":2196.87,"sentiment":"neutral","sentiment_score":0.028022442013025284},{"text":"It no.","start":2198.9302,"end":2199.33,"sentiment":"neutral","sentiment_score":-0.03676867112517357},{"text":"It can be children as well, but there are different tax consequences for children.","start":2199.33,"end":2205.165,"sentiment":"neutral","sentiment_score":-0.054932127839752605},{"text":"So, for example, if you were to give it to your spouse, it will be a 100% tax free.","start":2205.305,"end":2214.045,"sentiment":"neutral","sentiment_score":0.11723971366882324}],"sentiment":"neutral","sentiment_score":0.026941027619283308,"num_words":44,"start":2193.97,"end":2214.045},{"sentences":[{"text":"So she would then receive everything tax free, and then, obviously, she can decide how the money will be split depending on what your agreement is.","start":2214.5051,"end":2224.51,"sentiment":"neutral","sentiment_score":0.269872988645847},{"text":"Now when it comes to children, you can still give a portion to them, But children over so children under 18, they don't have to pay tax.","start":2224.97,"end":2236.195,"sentiment":"neutral","sentiment_score":0.09368447241959749},{"text":"Children over 18, unless they are disabled, studying at uni, or in a, like, relying financially on yourself, they can pay tax of up to 32% on what they receive.","start":2236.735,"end":2254.23,"sentiment":"neutral","sentiment_score":0.08802478748063246},{"text":"Correct.","start":2256.29,"end":2256.79,"sentiment":"neutral","sentiment_score":0.14406219124794006},{"text":"So is your oldest starting at the moment?","start":2259.0352,"end":2261.215,"sentiment":"neutral","sentiment_score":0.05686714733019471}],"sentiment":"neutral","sentiment_score":0.1389774071133655,"num_words":92,"start":2214.5051,"end":2261.215},{"sentences":[{"text":"Yeah.","start":2264.235,"end":2264.475,"sentiment":"neutral","sentiment_score":0.0754096582531929},{"text":"Okay.","start":2264.475,"end":2264.975,"sentiment":"neutral","sentiment_score":0.007193863391876221},{"text":"So it is up to you on how you want to do it.","start":2265.195,"end":2267.8352,"sentiment":"neutral","sentiment_score":0.24601333531049582},{"text":"Just be mindful that if you do nominate your children, for example, and, obviously, time goes by and you don't change it, then they could pay tax on some components, but then you can still decide of who you want to nominate.","start":2267.8352,"end":2284.1401,"sentiment":"neutral","sentiment_score":0.10598269867755118},{"text":"So nominate children and a spouse is a valid nomination, and you can split that however you want.","start":2284.1401,"end":2289.6,"sentiment":"neutral","sentiment_score":0.24604487336344188}],"sentiment":"neutral","sentiment_score":0.16214477260907492,"num_words":75,"start":2264.235,"end":2289.6},{"sentences":[{"text":"Yep.","start":2291.0952,"end":2291.5952,"sentiment":"positive","sentiment_score":0.385418713092804},{"text":"Perfect.","start":2291.895,"end":2292.375,"sentiment":"positive","sentiment_score":0.6977685689926147},{"text":"So I'll include a bit of a cover letter in the email as well, and that kind of explains how to how to fill them out and which type of nomination and stuff as well.","start":2292.375,"end":2303.495,"sentiment":"neutral","sentiment_score":0.33061354330607823},{"text":"But if you do have any questions when you get it and you are unsure, you just give me a call.","start":2303.495,"end":2308.13,"sentiment":"neutral","sentiment_score":0.08158012053796224},{"text":"Yep.","start":2309.55,"end":2310.05,"sentiment":"neutral","sentiment_score":0.27756792306900024}],"sentiment":"neutral","sentiment_score":0.2482273178332943,"num_words":59,"start":2291.0952,"end":2310.05},{"sentences":[{"text":"No.","start":2310.1099,"end":2310.3499,"sentiment":"positive","sentiment_score":0.3491690754890442},{"text":"That is no problem.","start":2310.3499,"end":2311.49,"sentiment":"positive","sentiment_score":0.41344279050827026},{"text":"Now the last thing I do wanna check here is your goals.","start":2311.71,"end":2314.99,"sentiment":"neutral","sentiment_score":0.29181203866998356},{"text":"So other things that you are potentially working it towards or if there's anything else that you might need.","start":2314.99,"end":2321.915,"sentiment":"neutral","sentiment_score":0.23514234470693687},{"text":"So I have here that last time we spoke to you, your focus in the next couple of years was to potentially buy an investment property.","start":2321.915,"end":2330.415,"sentiment":"neutral","sentiment_score":0.14195979644472784}],"sentiment":"neutral","sentiment_score":0.22037651546059117,"num_words":62,"start":2310.1099,"end":2330.415},{"sentences":[{"text":"Is that still something you guys are kind of working towards in the long term?","start":2330.84,"end":2335.02,"sentiment":"neutral","sentiment_score":0.12617483933766682},{"text":"Yes.","start":2338.36,"end":2338.86,"sentiment":"neutral","sentiment_score":0.09354311227798462},{"text":"Yep.","start":2339.8801,"end":2340.3801,"sentiment":"neutral","sentiment_score":0.09773650765419006},{"text":"And is there anything else that you are working towards financially or non financially or any other systems you need with anything?","start":2342.12,"end":2349.045,"sentiment":"neutral","sentiment_score":0.05477249825542623},{"text":"No?","start":2351.265,"end":2351.585,"sentiment":"neutral","sentiment_score":-0.0904875174164772}],"sentiment":"neutral","sentiment_score":0.07996024135500193,"num_words":40,"start":2330.84,"end":2351.585},{"sentences":[{"text":"No?","start":2351.585,"end":2351.825,"sentiment":"neutral","sentiment_score":-0.06564606726169586},{"text":"Okay.","start":2351.825,"end":2352.325,"sentiment":"neutral","sentiment_score":0.036134831607341766},{"text":"If anything does change, you know, just just give us a call if there's anything else that you need, or we could always book you in for a catch up to talk about different things as well if if it ever is something you do wanna talk about.","start":2352.385,"end":2364.99,"sentiment":"neutral","sentiment_score":0.14885620377026498},{"text":"Yep.","start":2365.85,"end":2366.35,"sentiment":"neutral","sentiment_score":0.1689235419034958},{"text":"Perfect.","start":2366.49,"end":2366.99,"sentiment":"positive","sentiment_score":0.5767119526863098}],"sentiment":"neutral","sentiment_score":0.15117734692131096,"num_words":52,"start":2351.585,"end":2366.99},{"sentences":[{"text":"Now that was essentially everything that I needed to kind of run through on my end for you.","start":2367.4502,"end":2372.4302,"sentiment":"positive","sentiment_score":0.4545641822947396},{"text":"But do you have any other questions before I let you go and enjoy the rest of your day otherwise?","start":2372.925,"end":2377.585,"sentiment":"positive","sentiment_score":0.33953981250524523},{"text":"No?","start":2379.485,"end":2379.885,"sentiment":"neutral","sentiment_score":0.14249759912490845},{"text":"Perfect.","start":2379.885,"end":2380.385,"sentiment":"positive","sentiment_score":0.3982573747634888},{"text":"Now keep a lookout for my email.","start":2380.605,"end":2382.365,"sentiment":"neutral","sentiment_score":0.17352792780314172}],"sentiment":"positive","sentiment_score":0.3559234468068214,"num_words":47,"start":2367.4502,"end":2382.365},{"sentences":[{"text":"So I will get the team to email you those beneficiary forms, and then I'll get working on that projection to send through to you.","start":2382.365,"end":2391.16,"sentiment":"neutral","sentiment_score":0.21595774441957474},{"text":"Now I don't work tomorrow, and I have pretty back to back the rest of the day.","start":2391.3801,"end":2397.16,"sentiment":"neutral","sentiment_score":-0.10666783899068832},{"text":"So it might be kind of early next week, if that's okay.","start":2397.54,"end":2402.9749,"sentiment":"neutral","sentiment_score":0.036709210059295096},{"text":"Yep.","start":2403.275,"end":2403.595,"sentiment":"neutral","sentiment_score":0.15054309368133545},{"text":"Perfect.","start":2403.595,"end":2404.095,"sentiment":"positive","sentiment_score":0.5589280724525452}],"sentiment":"neutral","sentiment_score":0.08456378633023373,"num_words":56,"start":2382.365,"end":2404.095},{"sentences":[{"text":"Just keep a lookout for your emails, and it will come through from myself.","start":2404.875,"end":2408.7349,"sentiment":"neutral","sentiment_score":0.25036524661949705},{"text":"If you have any questions when you get it, though, or you wanna talk about anything else, just respond to the email or give me a call, and we can always go through it.","start":2409.4348,"end":2417.3,"sentiment":"neutral","sentiment_score":0.14544807199169607},{"text":"But at least that will give you a bit of an update on how things are tracking for you.","start":2417.3,"end":2421.16,"sentiment":"neutral","sentiment_score":0.28652488636343104},{"text":"Yep.","start":2422.42,"end":2422.92,"sentiment":"positive","sentiment_score":0.43221181631088257},{"text":"No problem at all.","start":2423.94,"end":2424.82,"sentiment":"positive","sentiment_score":0.6222969591617584}],"sentiment":"neutral","sentiment_score":0.23355167214241293,"num_words":72,"start":2404.875,"end":2424.82},{"sentences":[{"text":"Thank you so much for your time today.","start":2424.82,"end":2426.34,"sentiment":"positive","sentiment_score":0.8419728800654411},{"text":"And anything else that you need, don't hesitate to give me a call.","start":2426.34,"end":2429.807,"sentiment":"positive","sentiment_score":0.39599430102568406},{"text":"No problem.","start":2431.067,"end":2431.627,"sentiment":"positive","sentiment_score":0.34652604162693024},{"text":"We'll speak soon.","start":2431.627,"end":2432.607,"sentiment":"neutral","sentiment_score":0.29959718386332196},{"text":"Okay.","start":2434.1868,"end":2434.587,"sentiment":"neutral","sentiment_score":0.11937734484672546}],"sentiment":"positive","sentiment_score":0.5035159234647397,"num_words":27,"start":2424.82,"end":2434.587},{"sentences":[{"text":"Bye.","start":2434.587,"end":2435.087,"sentiment":"neutral","sentiment_score":-0.11041343212127686}],"sentiment":"neutral","sentiment_score":-0.11041343212127686,"num_words":1,"start":2434.587,"end":2435.087}]}}]},{"alternatives":[{"transcript":"Good. How are you? Yeah. That's perfect. Yeah. That's fine. Yep. Yeah. Pawan, Raghubar, 0601819 Sensing On Boulevard in bicep. Yeah. Yes. It's a lot happening. No. I just wanted to check how the, you know, how the train is whether, you know, the if, I mean, if the super is growing or not. So I haven't checked it for a while, to be honest. Just one moment. No. No. I I I have it. Yeah. What I just need to sign it. Yeah? Yeah. Yeah. I think it's the summary of superannuation and insurance. Uh-huh. Yes. Yes. No. That's fine. Yep. How how much extra it is? Mhmm. Mhmm. Mhmm. Oh, okay. Mhmm. Not really, but I just wanted to check. Yeah. Yep. Oops. I think that's all. Hold on. I just had this I only had signed the document form. That's it. Oh, yeah. Yeah. Yeah. Yeah. Yeah. I yeah. I have the asset perform the asset performance. Yeah. Uh-huh. Yep. Uh-huh. Sir. Hold on. Which one are we looking at? The performance detail. Yeah? Yeah. So I have asset. I have code. I have open value purchases. Oh, yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Mhmm. I think there was one. Yeah. Yes. Yep. Uh-huh. Uh-huh. Okay. Uh-huh. Yep. Uh-huh. Yep. No. Pardon? Next document is the index chart. Yep. Uh-huh. Yep. Yeah. Yep. No. Yep. Uh-huh. Uh-huh. Yeah. Yeah. Yeah. Uh-huh. Yeah. Uh-huh. Well, last the very first time they gave me a work figure, but I'm not too sure what it was. They did give me so say if I retire in the next ten no. No. Ten. Fifteen no. Twenty years maybe. How much I'm looking up? How much I would have in super? Mhmm. Okay. Yeah. Mhmm. Yeah. Yeah. So you you you give me a projection in ten years. Yeah. Okay. Yeah. Yeah. Perfect. I mean, look, the thing is I didn't go very that's why, you know, that's why we have financial advisers there. What what what would you recommend? Because for me, when I switched, the first year, the growth was great. You know? And I just stayed there, you know. But I I don't I mean, if I don't actually follow the market trend and stuff like that. So I I wish I could, but I don't. That's why, you know, it's it's in your hand. But what what you guys reckon would be the best Uh-huh. Yeah. Okay. Mhmm. Mhmm. Okay. Alright. Uh-huh. Mhmm. Okay. Uh-huh. Okay. Yeah. Yeah. Yeah. Not there if I if I leave that long. Yeah. Yeah. We need more, maybe. 12 to 1,500, I would say. Uh-huh. Yeah. Uh-huh. Just one sec. Next look, we've got production plan. Yep. Mhmm. And the service says guide. Mhmm. Yeah. Mhmm. Yep. Yep. Yep. Hold on. No. No. No. I can. I can. I just did something. I need just oh, yeah. You are with Donna Taylor. Yeah? Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Mhmm. Just one moment. I don't see oh, yeah. That's the Netwealth Comets. Yeah. Mhmm. Mhmm. Now can you repeat that last part about the locking contrast? Mhmm. No. Yep. Uh-huh. Yep. Yeah. Yeah. Do I need to sign here? Alright. So she made Okay. My first name is yeah. I have the option to provide tax file number. Yeah? Mhmm. Yep. Yeah. And then just speaking a lot? Now will be two. I have one son, but he just turned 18. 19. Yeah. Mhmm. Mhmm. Yeah. Yep. 0 zero four five two 335 386. I work at the hospital now. Yeah. Clerk? Yes. Part time. Fifty around no. No. In a fortnight, around fifty six hours. Mhmm. It's nearly sober here now. Yeah. Am I there? Yes. You get salary packaging. You can do your mortgage. It depends. You have you have all sorts of options. You can do your hex. You can do your daily expense. You can do your car. Yeah. Very good. Yeah. Would be around 60,000. Because it fluctuates. You can tell me for a time. You know? Yep. Yeah. But I would say I would say around the 50 to 60 something. I think you just I think it is I think it's I'm not too sure. To be honest, I never checked the percentage, but I know it's about 10 for sure. Definitely. Then they should be doing more for what we do there. Mhmm. Mhmm. Okay. Yeah. $50.65. Yeah. Yes. Just just my employer. Yep. It's around 900 now. Yep. Yeah. No. But the thing is, you know, the the funny thing is the house price goes up. But if you sell this, you will never get a house similar. You know? So so so nothing basically has changed. Because if you see, you buy a house. You sell a house like this. You will go and buy another house. You put another million on your head. You know? So it just looks in terms of money, it looks good. But at the end of the day, nothing has changed. It's just here. You've made some equity, got some equity. That's it. Yeah. Yeah. Yeah. You yeah. Then then you are stopped. Yeah. Yeah. Yeah. I think it's still around there. Yeah. Yeah. Yeah. Now it would be over 100, I think. Yeah. No. One, two, three. No. Sorry. Four. Four. Yeah. One is being I do it through salary we sacrifice. So that would be a a good 60,000 probably on there. All paid off. Yeah. I don't. No. No. Not really. I don't think so. Yep. No. Actually, I just, yeah, like, signs of diabetes and stuff. So but No. Nothing. No. Yeah. But just the extras, not hospital. Not yet. We should get that done. Hold on. Sorry. I have gold gold and retrievers. Only my wife if yeah. If needed. Otherwise, I do myself. Yeah. Yeah. I think I filled it up and sent it. That was a while ago. How long ago was that? I'm not too sure. Maybe if you could send it again, if that's okay. I know I I have access to printer. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Pardon? It has to be it has to be an adult. Yeah? Yeah. Yeah. Yes. Uh-huh. Yeah. Mhmm. But if they they are studying, they don't have to. Yeah? Yep. Yeah. He will yeah. Yeah. He's still studying. Yeah. Mhmm. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Alright. Thank you. Yeah. Yeah. But we don't see it happening, but we still yeah. No. Not really. Yep. Mhmm. Yes. Thank you. Yes. Yeah. That's fine. Yeah. Yeah. That's fine. Yep. Uh-huh. Yep. Yep. Sounds good. Thank you so much. Thank you. Okay. 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How are you? Yeah. That's perfect. Yeah.\n\nThat's fine. Yep. Yeah. Pawan, Raghubar, 0601819 Sensing On Boulevard in bicep. Yeah.\n\nYes. It's a lot happening. No. I just wanted to check how the, you know, how the train is whether, you know, the if, I mean, if the super is growing or not. So I haven't checked it for a while, to be honest.\n\nJust one moment. No. No. I I I have it. Yeah.\n\nWhat I just need to sign it. Yeah? Yeah. Yeah. I think it's the summary of superannuation and insurance.\n\nUh-huh. Yes. Yes. No. That's fine.\n\nYep. How how much extra it is? Mhmm. Mhmm. Mhmm.\n\nOh, okay. Mhmm. Not really, but I just wanted to check. Yeah. Yep.\n\nOops. I think that's all. Hold on. I just had this I only had signed the document form. That's it.\n\nOh, yeah. Yeah. Yeah. Yeah. Yeah.\n\nI yeah. I have the asset perform the asset performance. Yeah. Uh-huh. Yep.\n\nUh-huh. Sir. Hold on. Which one are we looking at? The performance detail.\n\nYeah? Yeah. So I have asset. I have code. I have open value purchases.\n\nOh, yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. Mhmm. I think there was one. Yeah.\n\nYes. Yep. Uh-huh. Uh-huh. Okay.\n\nUh-huh. Yep. Uh-huh. Yep. No.\n\nPardon? Next document is the index chart. Yep. Uh-huh. Yep.\n\nYeah. Yep. No. Yep. Uh-huh.\n\nUh-huh. Yeah. Yeah. Yeah. Uh-huh.\n\nYeah. Uh-huh. Well, last the very first time they gave me a work figure, but I'm not too sure what it was. They did give me so say if I retire in the next ten no. No.\n\nTen. Fifteen no. Twenty years maybe. How much I'm looking up? How much I would have in super?\n\nMhmm. Okay. Yeah. Mhmm. Yeah.\n\nYeah. So you you you give me a projection in ten years. Yeah. Okay. Yeah.\n\nYeah. Perfect. I mean, look, the thing is I didn't go very that's why, you know, that's why we have financial advisers there. What what what would you recommend? Because for me, when I switched, the first year, the growth was great.\n\nYou know? And I just stayed there, you know. But I I don't I mean, if I don't actually follow the market trend and stuff like that. So I I wish I could, but I don't. That's why, you know, it's it's in your hand.\n\nBut what what you guys reckon would be the best Uh-huh. Yeah. Okay. Mhmm. Mhmm.\n\nOkay. Alright. Uh-huh. Mhmm. Okay.\n\nUh-huh. Okay. Yeah. Yeah. Yeah.\n\nNot there if I if I leave that long. Yeah. Yeah. We need more, maybe. 12 to 1,500, I would say.\n\nUh-huh. Yeah. Uh-huh. Just one sec. Next look, we've got production plan.\n\nYep. Mhmm. And the service says guide. Mhmm. Yeah.\n\nMhmm. Yep. Yep. Yep. Hold on.\n\nNo. No. No. I can. I can.\n\nI just did something. I need just oh, yeah. You are with Donna Taylor. Yeah? Yeah.\n\nYeah. Yeah. Yeah. Mhmm. Yeah.\n\nYeah. Yeah. Mhmm. Just one moment. I don't see oh, yeah.\n\nThat's the Netwealth Comets. Yeah. Mhmm. Mhmm. Now can you repeat that last part about the locking contrast?\n\nMhmm. No. Yep. Uh-huh. Yep.\n\nYeah. Yeah. Do I need to sign here? Alright. So she made Okay.\n\nMy first name is yeah. I have the option to provide tax file number. Yeah? Mhmm. Yep.\n\nYeah. And then just speaking a lot? Now will be two. I have one son, but he just turned 18. 19.\n\nYeah. Mhmm. Mhmm. Yeah. Yep.\n\n0 zero four five two 335 386. I work at the hospital now. Yeah. Clerk? Yes.\n\nPart time. Fifty around no. No. In a fortnight, around fifty six hours. Mhmm.\n\nIt's nearly sober here now. Yeah. Am I there? Yes. You get salary packaging.\n\nYou can do your mortgage. It depends. You have you have all sorts of options. You can do your hex. You can do your daily expense.\n\nYou can do your car. Yeah. Very good. Yeah. Would be around 60,000.\n\nBecause it fluctuates. You can tell me for a time. You know? Yep. Yeah.\n\nBut I would say I would say around the 50 to 60 something. I think you just I think it is I think it's I'm not too sure. To be honest, I never checked the percentage, but I know it's about 10 for sure. Definitely. Then they should be doing more for what we do there.\n\nMhmm. Mhmm. Okay. Yeah. $50.65.\n\nYeah. Yes. Just just my employer. Yep. It's around 900 now.\n\nYep. Yeah. No. But the thing is, you know, the the funny thing is the house price goes up. But if you sell this, you will never get a house similar.\n\nYou know? So so so nothing basically has changed. Because if you see, you buy a house. You sell a house like this. You will go and buy another house.\n\nYou put another million on your head. You know? So it just looks in terms of money, it looks good. But at the end of the day, nothing has changed. It's just here.\n\nYou've made some equity, got some equity. That's it. Yeah. Yeah. Yeah.\n\nYou yeah. Then then you are stopped. Yeah. Yeah. Yeah.\n\nI think it's still around there. Yeah. Yeah. Yeah. Now it would be over 100, I think.\n\nYeah. No. One, two, three. No. Sorry.\n\nFour. Four. Yeah. One is being I do it through salary we sacrifice. So that would be a a good 60,000 probably on there.\n\nAll paid off. Yeah. I don't. No. No.\n\nNot really. I don't think so. Yep. No. Actually, I just, yeah, like, signs of diabetes and stuff.\n\nSo but No. Nothing. No. Yeah. But just the extras, not hospital.\n\nNot yet. We should get that done. Hold on. Sorry. I have gold gold and retrievers.\n\nOnly my wife if yeah. If needed. Otherwise, I do myself. Yeah. Yeah.\n\nI think I filled it up and sent it. That was a while ago. How long ago was that? I'm not too sure. Maybe if you could send it again, if that's okay.\n\nI know I I have access to printer. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Pardon?\n\nIt has to be it has to be an adult. Yeah? Yeah. Yeah. Yes.\n\nUh-huh. Yeah. Mhmm. But if they they are studying, they don't have to. Yeah?\n\nYep. Yeah. He will yeah. Yeah. He's still studying.\n\nYeah. Mhmm. Mhmm. Yep. Yep.\n\nMhmm. Mhmm. Yep. Alright. Thank you.\n\nYeah. Yeah. But we don't see it happening, but we still yeah. No. Not really.\n\nYep. Mhmm. Yes. Thank you. Yes.\n\nYeah. That's fine. Yeah. Yeah. That's fine.\n\nYep. Uh-huh. Yep. Yep. Sounds good.\n\nThank you so much. Thank you. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":4.7999997,"end":5.2799997,"sentiment":"positive","sentiment_score":0.40242576599121094},{"text":"How are you?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.2592618465423584},{"text":"Yeah.","start":12.799999,"end":13.12,"sentiment":"positive","sentiment_score":0.3795108497142792},{"text":"That's perfect.","start":13.12,"end":13.86,"sentiment":"positive","sentiment_score":0.6050079166889191},{"text":"Yeah.","start":24.555,"end":24.875,"sentiment":"neutral","sentiment_score":0.13528387248516083}],"sentiment":"positive","sentiment_score":0.36312773264944553,"num_words":8,"start":4.7999997,"end":24.875},{"sentences":[{"text":"That's 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really.","start":1993.64,"end":1994.46,"sentiment":"neutral","sentiment_score":-0.2855576127767563},{"text":"I don't think so.","start":1994.52,"end":1995.74,"sentiment":"neutral","sentiment_score":-0.1406493387185037},{"text":"Yep.","start":2003.775,"end":2004.275,"sentiment":"neutral","sentiment_score":0.0830400362610817},{"text":"No.","start":2011.5701,"end":2012.0701,"sentiment":"neutral","sentiment_score":-0.12189171463251114},{"text":"Actually, I just, yeah, like, signs of diabetes and stuff.","start":2012.13,"end":2015.5701,"sentiment":"neutral","sentiment_score":-0.16015928909182547}],"sentiment":"neutral","sentiment_score":-0.1541198416509562,"num_words":18,"start":1993.64,"end":2015.5701},{"sentences":[{"text":"So but No.","start":2015.5701,"end":2022.5751,"sentiment":"neutral","sentiment_score":-0.05765098581711451},{"text":"Nothing.","start":2022.5751,"end":2023.0751,"sentiment":"neutral","sentiment_score":-0.08622689545154572},{"text":"No.","start":2024.015,"end":2024.515,"sentiment":"neutral","sentiment_score":-0.04999478906393051},{"text":"Yeah.","start":2028.8151,"end":2029.055,"sentiment":"neutral","sentiment_score":0.0033564213663339615},{"text":"But just the extras, not hospital.","start":2029.055,"end":2031.7151,"sentiment":"neutral","sentiment_score":-0.02623655740171671}],"sentiment":"neutral","sentiment_score":-0.0386031304175655,"num_words":12,"start":2015.5701,"end":2031.7151},{"sentences":[{"text":"Not yet.","start":2044.4401,"end":2045.26,"sentiment":"neutral","sentiment_score":-0.0868239626288414},{"text":"We should get that done.","start":2045.64,"end":2047.1,"sentiment":"neutral","sentiment_score":-0.10770580768585206},{"text":"Hold on.","start":2051.32,"end":2051.98,"sentiment":"neutral","sentiment_score":-0.03863207623362541},{"text":"Sorry.","start":2052.095,"end":2052.595,"sentiment":"neutral","sentiment_score":-0.06869792938232422},{"text":"I have gold gold and retrievers.","start":2057.855,"end":2060.115,"sentiment":"neutral","sentiment_score":0.03756975196301937}],"sentiment":"neutral","sentiment_score":-0.03954503335990012,"num_words":16,"start":2044.4401,"end":2060.115},{"sentences":[{"text":"Only my wife if yeah.","start":2073.23,"end":2076.21,"sentiment":"neutral","sentiment_score":0.0050156982615590096},{"text":"If needed.","start":2076.35,"end":2077.15,"sentiment":"neutral","sentiment_score":-0.000017341226339340156},{"text":"Otherwise, I do myself.","start":2077.15,"end":2078.6099,"sentiment":"neutral","sentiment_score":-0.07312820013612509},{"text":"Yeah.","start":2078.67,"end":2079.17,"sentiment":"neutral","sentiment_score":0.04041023552417755},{"text":"Yeah.","start":2095.7798,"end":2096.2798,"sentiment":"neutral","sentiment_score":0.020766645669937137}],"sentiment":"neutral","sentiment_score":-0.015868623884251483,"num_words":13,"start":2073.23,"end":2096.2798},{"sentences":[{"text":"I think I filled it up and sent it.","start":2101.38,"end":2103.46,"sentiment":"neutral","sentiment_score":-0.0023893550452258852},{"text":"That was a while ago.","start":2103.46,"end":2104.7598,"sentiment":"neutral","sentiment_score":-0.055322487652301786},{"text":"How long ago was that?","start":2118.455,"end":2119.915,"sentiment":"neutral","sentiment_score":-0.04430968165397644},{"text":"I'm not too sure.","start":2130.3801,"end":2131.7402,"sentiment":"neutral","sentiment_score":-0.13240835443139076},{"text":"Maybe if you could send it again, if that's okay.","start":2131.7402,"end":2134.8801,"sentiment":"neutral","sentiment_score":-0.0399723157286644}],"sentiment":"neutral","sentiment_score":-0.04390974596820094,"num_words":33,"start":2101.38,"end":2134.8801},{"sentences":[{"text":"I know I I have access to printer.","start":2143.095,"end":2144.7751,"sentiment":"neutral","sentiment_score":0.036559711676090956},{"text":"Yeah.","start":2144.7751,"end":2145.2751,"sentiment":"neutral","sentiment_score":0.12303415685892104},{"text":"Yeah.","start":2151.19,"end":2151.69,"sentiment":"neutral","sentiment_score":0.2753627598285675},{"text":"Yeah.","start":2153.03,"end":2153.53,"sentiment":"neutral","sentiment_score":0.3065218925476074},{"text":"Yeah.","start":2160.39,"end":2160.64,"sentiment":"neutral","sentiment_score":0.31346073746681213}],"sentiment":"neutral","sentiment_score":0.10923810334255298,"num_words":12,"start":2143.095,"end":2160.64},{"sentences":[{"text":"Yeah.","start":2160.64,"end":2161.14,"sentiment":"neutral","sentiment_score":0.3259059488773346},{"text":"Yep.","start":2170.115,"end":2170.615,"sentiment":"positive","sentiment_score":0.3488406836986542},{"text":"Yep.","start":2171.075,"end":2171.575,"sentiment":"positive","sentiment_score":0.5077464580535889},{"text":"Yep.","start":2174.7551,"end":2175.2551,"sentiment":"neutral","sentiment_score":0.29333457350730896},{"text":"Pardon?","start":2181.91,"end":2182.41,"sentiment":"neutral","sentiment_score":-0.05610813945531845}],"sentiment":"neutral","sentiment_score":0.2839439049363136,"num_words":5,"start":2160.64,"end":2182.41},{"sentences":[{"text":"It has to be it has to be an adult.","start":2194.625,"end":2197.345,"sentiment":"neutral","sentiment_score":-0.009646742977201939},{"text":"Yeah?","start":2197.345,"end":2197.845,"sentiment":"neutral","sentiment_score":0.012620500288903711},{"text":"Yeah.","start":2200.68,"end":2201.18,"sentiment":"neutral","sentiment_score":0.0019752085208892822},{"text":"Yeah.","start":2211.0,"end":2211.5,"sentiment":"neutral","sentiment_score":0.2132488191127777},{"text":"Yes.","start":2214.3599,"end":2214.8599,"sentiment":"neutral","sentiment_score":0.1846630871295929}],"sentiment":"neutral","sentiment_score":0.02257429894858173,"num_words":14,"start":2194.625,"end":2214.8599},{"sentences":[{"text":"Uh-huh.","start":2224.7952,"end":2225.2952,"sentiment":"neutral","sentiment_score":0.08547575771808624},{"text":"Yeah.","start":2230.395,"end":2230.895,"sentiment":"neutral","sentiment_score":0.11122407764196396},{"text":"Mhmm.","start":2252.2551,"end":2252.415,"sentiment":"neutral","sentiment_score":0.10775397717952728},{"text":"But if they they are studying, they don't have to.","start":2252.415,"end":2255.055,"sentiment":"neutral","sentiment_score":0.0966002393513918},{"text":"Yeah?","start":2255.055,"end":2255.555,"sentiment":"neutral","sentiment_score":0.09286152571439744}],"sentiment":"neutral","sentiment_score":0.09737983798342091,"num_words":14,"start":2224.7952,"end":2255.555},{"sentences":[{"text":"Yep.","start":2257.295,"end":2257.795,"sentiment":"neutral","sentiment_score":0.09175722301006316},{"text":"Yeah.","start":2261.5798,"end":2261.82,"sentiment":"neutral","sentiment_score":0.12366598844528198},{"text":"He will yeah.","start":2261.82,"end":2262.22,"sentiment":"neutral","sentiment_score":0.14747924109299979},{"text":"Yeah.","start":2262.22,"end":2262.46,"sentiment":"neutral","sentiment_score":0.1339222937822342},{"text":"He's still studying.","start":2262.46,"end":2263.26,"sentiment":"neutral","sentiment_score":0.1526922583580017}],"sentiment":"neutral","sentiment_score":0.13887333373228708,"num_words":9,"start":2257.295,"end":2263.26},{"sentences":[{"text":"Yeah.","start":2263.26,"end":2263.76,"sentiment":"neutral","sentiment_score":0.0960761159658432},{"text":"Mhmm.","start":2271.9,"end":2272.4,"sentiment":"neutral","sentiment_score":0.06773794442415237},{"text":"Mhmm.","start":2281.135,"end":2281.635,"sentiment":"neutral","sentiment_score":0.08597388863563538},{"text":"Yep.","start":2289.84,"end":2290.08,"sentiment":"neutral","sentiment_score":0.17960035800933838},{"text":"Yep.","start":2290.08,"end":2290.56,"sentiment":"neutral","sentiment_score":0.16102337837219238}],"sentiment":"neutral","sentiment_score":0.11808233708143234,"num_words":5,"start":2263.26,"end":2290.56},{"sentences":[{"text":"Mhmm.","start":2290.56,"end":2291.06,"sentiment":"neutral","sentiment_score":0.1872019320726395},{"text":"Mhmm.","start":2297.28,"end":2297.78,"sentiment":"neutral","sentiment_score":0.2380150556564331},{"text":"Yep.","start":2308.0151,"end":2308.3352,"sentiment":"neutral","sentiment_score":0.16403578221797943},{"text":"Alright.","start":2308.3352,"end":2308.8152,"sentiment":"positive","sentiment_score":0.3368932604789734},{"text":"Thank you.","start":2308.8152,"end":2309.5552,"sentiment":"positive","sentiment_score":0.5979906916618347}],"sentiment":"positive","sentiment_score":0.3536879022916158,"num_words":6,"start":2290.56,"end":2309.5552},{"sentences":[{"text":"Yeah.","start":2330.9749,"end":2331.4749,"sentiment":"neutral","sentiment_score":0.1054810881614685},{"text":"Yeah.","start":2335.695,"end":2336.015,"sentiment":"neutral","sentiment_score":0.02998136729001999},{"text":"But we don't see it happening, but we still yeah.","start":2336.015,"end":2349.8901,"sentiment":"neutral","sentiment_score":0.0058792755007743835},{"text":"No.","start":2350.03,"end":2350.1902,"sentiment":"neutral","sentiment_score":-0.05958358943462372},{"text":"Not really.","start":2350.1902,"end":2351.01,"sentiment":"neutral","sentiment_score":-0.07456567138433456}],"sentiment":"neutral","sentiment_score":-0.0009639814496040344,"num_words":15,"start":2330.9749,"end":2351.01},{"sentences":[{"text":"Yep.","start":2366.45,"end":2366.95,"sentiment":"neutral","sentiment_score":0.2686323821544647},{"text":"Mhmm.","start":2377.97,"end":2378.0498,"sentiment":"neutral","sentiment_score":0.1027934104204178},{"text":"Yes.","start":2378.0498,"end":2378.3699,"sentiment":"neutral","sentiment_score":0.18739619851112368},{"text":"Thank you.","start":2378.3699,"end":2379.105,"sentiment":"positive","sentiment_score":0.3913407623767853},{"text":"Yes.","start":2386.385,"end":2386.885,"sentiment":"neutral","sentiment_score":0.18299253284931183}],"sentiment":"neutral","sentiment_score":0.25408267478148144,"num_words":6,"start":2366.45,"end":2386.885},{"sentences":[{"text":"Yeah.","start":2397.8499,"end":2398.3499,"sentiment":"neutral","sentiment_score":0.01630411297082901},{"text":"That's fine.","start":2401.93,"end":2402.75,"sentiment":"neutral","sentiment_score":0.09026401862502098},{"text":"Yeah.","start":2403.13,"end":2403.3699,"sentiment":"neutral","sentiment_score":0.12153388559818268},{"text":"Yeah.","start":2403.3699,"end":2403.5298,"sentiment":"neutral","sentiment_score":0.24959205090999603},{"text":"That's fine.","start":2403.5298,"end":2404.3499,"sentiment":"positive","sentiment_score":0.4899273067712784}],"sentiment":"neutral","sentiment_score":0.22111610003880092,"num_words":7,"start":2397.8499,"end":2404.3499},{"sentences":[{"text":"Yep.","start":2404.65,"end":2405.15,"sentiment":"neutral","sentiment_score":0.28279417753219604},{"text":"Uh-huh.","start":2409.2852,"end":2409.7852,"sentiment":"neutral","sentiment_score":0.08853113651275635},{"text":"Yep.","start":2416.085,"end":2416.585,"sentiment":"neutral","sentiment_score":0.15682367980480194},{"text":"Yep.","start":2421.55,"end":2422.03,"sentiment":"neutral","sentiment_score":0.3047797679901123},{"text":"Sounds good.","start":2422.03,"end":2422.59,"sentiment":"positive","sentiment_score":0.6795640289783478}],"sentiment":"positive","sentiment_score":0.36534280329942703,"num_words":6,"start":2404.65,"end":2422.59},{"sentences":[{"text":"Thank you so much.","start":2422.59,"end":2423.57,"sentiment":"positive","sentiment_score":0.8153087347745895},{"text":"Thank you.","start":2429.6301,"end":2430.37,"sentiment":"positive","sentiment_score":0.6278917789459229},{"text":"Okay.","start":2432.897,"end":2433.217,"sentiment":"neutral","sentiment_score":0.1752987504005432},{"text":"Bye.","start":2433.217,"end":2433.717,"sentiment":"neutral","sentiment_score":0.17082636058330536}],"sentiment":"positive","sentiment_score":0.6078929509967566,"num_words":8,"start":2422.59,"end":2433.717}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. How are you?\n\nChannel 0: Good. Thanks. I had you booked in for your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. That's perfect.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And just for security purposes, just so I can confirm who I'm speaking with, can I just get you to confirm your full name,\n\nChannel 1: Yep.\n\nChannel 0: date of birth, and address, please?\n\nChannel 1: Yeah. Pawan, Raghubar, 0601819 Sensing On Boulevard in bicep.\n\nChannel 0: Yep. Beautiful. And how's your morning been? Been busy?\n\nChannel 1: Yeah. Yes. It's a lot happening.\n\nChannel 0: Well, I will try my best not to keep you for too long. But before I do kind of jump in to your interview, I do like to start by asking if there is anything specific you would like me to address today or any particular questions you have or whether it's just a bit of a catch up and see kind of where everything's at?\n\nChannel 1: No. I just wanted to check how the, you know, how the train is whether, you know, the if, I mean, if the super is growing or not. So I haven't checked it for a while, to be honest.\n\nChannel 0: Yeah. No. That's okay. So we'll definitely go through where your super is at and your investments in a bit more detail as well. So what I have done actually is I have just sent you an email with some documents.\n\nNow do you have access to your emails at the moment?\n\nChannel 1: Just one moment.\n\nChannel 0: Yep. Sure. It could also end up in spam because we have recently changed the software.\n\nChannel 1: No. No. I I I have it. Yeah. What\n\nChannel 0: Oh,\n\nChannel 1: I just need\n\nChannel 0: okay.\n\nChannel 1: to sign it. Yeah?\n\nChannel 0: I'll just wanna go through them with you first just to make sure you're happy before I get you to sign anything.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now to make it easier for you, if you can let me know the order that you see the documents, we can go through it that way.\n\nChannel 1: I think it's the summary of superannuation and insurance.\n\nChannel 0: Okay. Yep. Perfect. So let me just open that one. Now this one here gives you a bit of a breakdown of your current super and insurances.\n\nSo you have your superannuation with Netwealth. Now you do have about a $111,025 in there. And then you also have some insurances with Neo. So you have life and total permanent disability insurance, and that is covering you for $654,604. Now those are paid from within Netwealth for you, so you don't pay for anything out of pocket.\n\nAfter the\n\nChannel 1: Uh-huh.\n\nChannel 0: tax rebate, the total premium for both of those is 1,694.\n\nChannel 1: Yes.\n\nChannel 0: Now are you still happy with the level of cover that you have in place for licensed TPD, or\n\nChannel 1: Yes.\n\nChannel 0: would you like to make any adjustments? So that's all good.\n\nChannel 1: No. That's\n\nChannel 0: That's good. Perfect. And with insurances as well, I can see here that you don't have income protection or trauma insurance. You're still happy to not have those two?\n\nChannel 1: fine. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: How how much extra it is?\n\nChannel 0: How much extra it is?\n\nChannel 1: Mhmm.\n\nChannel 0: It is very tailored to you. So it is a bit of a process. So in order to look at income protection or trauma insurance, it what would be required to to get pricing for you because it is very tailored to you based on age, occupation, lifestyle, and hobbies.\n\nChannel 1: Mhmm.\n\nChannel 0: So it would be a matter of going through a bit of an extensive background, and that would go go more into your your medical, your hobbies, family situation, lifestyle. From that, I will send it off to all the insurers. They would then let me know what they are offering, and then\n\nChannel 1: Mhmm.\n\nChannel 0: I could get quotes. So it is quite it's quite hard to tell now because I need all of that information before we could quote depending on what the insurers say. Now\n\nChannel 1: Oh,\n\nChannel 0: typically\n\nChannel 1: okay.\n\nChannel 0: speaking, income protection is the most expensive when it comes to the three\n\nChannel 1: Mhmm.\n\nChannel 0: because it is giving you that monthly income replacement. But is that something that you are interested in?\n\nChannel 1: Not really, but I just wanted\n\nChannel 0: No.\n\nChannel 1: to check. Yeah.\n\nChannel 0: Yeah. No. I mean, if anything does change down the track and you want to go through the process to have a look, just give me a call, and we can we can definitely have a look at that for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what is the next document you can see there?\n\nChannel 1: Oops. I think that's all. Hold on.\n\nChannel 0: Can\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: scroll?\n\nChannel 1: had this I only had signed the document form. That's it.\n\nChannel 0: Okay. Let me have a look. So could you\n\nChannel 1: Oh,\n\nChannel 0: only\n\nChannel 1: yeah.\n\nChannel 0: see\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah. Yeah. I yeah. I have\n\nChannel 0: you can\n\nChannel 1: the\n\nChannel 0: see?\n\nChannel 1: asset perform the asset performance.\n\nChannel 0: Yes. Yes. Beautiful. Now if you can open that one for me. Now that\n\nChannel 1: Yeah.\n\nChannel 0: shows you then how all your investments and everything has has happened in the last twelve months. It does give us a good overview over the last twelve months. Now\n\nChannel 1: Uh-huh.\n\nChannel 0: you probably would have had in the market and or on the news and everything and obviously know as well that the last twelve months, we've seen quite a mixed performance.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, you'd have everything going on in The US. So, obviously, with\n\nChannel 1: Uh-huh.\n\nChannel 0: transit tariffs and everything, there's a bit of fluctuation. And, obviously, more recently with the war as well. So we've seen pretty concentrated performance in different international markets and defensive assets, and some of the Australian equities have faced a little bit more challenging conditions. But, essentially, if you are on this document now if you want to look at the second column to the right where it says return. Can you see where I'm looking at?\n\nSo\n\nChannel 1: Sir.\n\nChannel 0: second column through the right at the top, it\n\nChannel 1: Hold\n\nChannel 0: should have return and then a percentage.\n\nChannel 1: on. Which one are we looking at? The performance detail.\n\nChannel 0: Yes.\n\nChannel 1: Yeah?\n\nChannel 0: Yes. Correct.\n\nChannel 1: Yeah. So I have asset. I have code. I have open value purchases.\n\nChannel 0: Yep. Sales.\n\nChannel 1: Oh, yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. Now what this one here tells you, it shows you their individual investments. So\n\nChannel 1: Yep.\n\nChannel 0: it shows you how they have performed. Now you can see here that overall, most of your investments have done pretty good considering what's going on in in the market, which is fantastic. Now there is one investment that you can see here that was underperforming, which was\n\nChannel 1: Mhmm.\n\nChannel 0: down, which was your Benelong Australian Equity Fund. Now did you get an email it was around the March 13.\n\nChannel 1: I think there was one. Yeah.\n\nChannel 0: Yes. So what that email was, just for your reference, it wasn't anything you had to sign, but it was to let you know of this investment change. Because\n\nChannel 1: Yes.\n\nChannel 0: what we do continuously is obviously doing research on your investment. And sometimes there are just a bit of a shift in the market depending on what's going on. So if it's a bit of a trend at the moment and we foresee the investment coming back around, then you don't always want to sell when things are are down because you can obviously the the market up goes up and down, and that's just\n\nChannel 1: Yep.\n\nChannel 0: kind of what happens. But if we do a lot of research on an investment and we foresee them kind of underperforming a little bit, being a little bit slower in making the choices, we then want to be proactive in swapping things out for you. So we've looked a lot at the Bennelong investment, and it was underperforming more recently, which you can see here as well. They were a little bit slower in making investment choices. So we made the decision after doing research that there was another a better alternative option for you that we could swap it for.\n\nSo we have already gone ahead and made that change for you, which is good, and that is swapping then along for another investment, which is called the BetaShares Australia two hundred. So while we are removing one Australian investment, we wanted to swap it with something similar as well because\n\nChannel 1: Uh-huh.\n\nChannel 0: we do wanna make sure that all of your portfolio is very diversified. You don't\n\nChannel 1: Uh-huh.\n\nChannel 0: want just everything in The US or everything in Europe. You wanna make sure you have a well kind of diversified portfolio.\n\nChannel 1: Okay.\n\nChannel 0: So we wanted to focus on another Australian investment, but the BetaShares 200, it's it's a little bit cheaper, and it has performed a bit better, which is good. The the way that that one is is that it invests in the 200 largest companies listed\n\nChannel 1: Uh-huh.\n\nChannel 0: in Australia on the ASX. So\n\nChannel 1: Yep.\n\nChannel 0: you'll have all the big banks and Woolworths and, you know, all all of the big companies. So it is very diversified because we invest in 200 companies. So\n\nChannel 1: Uh-huh.\n\nChannel 0: we have already gone ahead and made that switch for you. So you can see that the other investments have done pretty good, and that was one that was underperforming, which we've already switched out for you. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Do you have any questions in regards to that?\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Now what is the next attachment that you can see on your end?\n\nChannel 1: Pardon?\n\nChannel 0: What is the next document that you can see there? Sorry. Sorry. Say that again. You just cut out a little bit for me.\n\nChannel 1: Next document is the index chart.\n\nChannel 0: Yes. Can you open that one for me?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you probably have seen something similar to this before, but it is good. And Vanguard does publish this every year, so it's always kind of keeping up to date. So to do it at each financial year, so soon we'll have an updated version.\n\nBut, essentially, the reason we do include it is because it does give us a good visual representation of\n\nChannel 1: Uh-huh.\n\nChannel 0: the market. And\n\nChannel 1: Yep.\n\nChannel 0: it does make it a little bit easier to see, like, a bigger picture as well. Now from this here, you can see that when we are looking long term, market always goes up. All the asset classes goes up. But short term, you can see that depending on what is going on in the world, there will be some ups and downs and market fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: Now how your money is currently invested as well is that we have you in a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Do you remember what a high growth investor is at all?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Now, basically, it tells me that you are looking\n\nChannel 1: Yep.\n\nChannel 0: at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until retirement and that you are comfortable seeing a bit of short term fluctuations to your investment in order to try to grow your super long term. Now\n\nChannel 1: Uh-huh.\n\nChannel 0: when we are also then looking at how your money is invested in a high growth portfolio, we typically see 90% invested in what we would call your growth assets. Now\n\nChannel 1: Uh-huh.\n\nChannel 0: on the chart here in front of you, you can see that your growth investments are made up of the top four. So the top four lines, so you have your US shares, which is your your light green. You have your Australian shares, which is kind of like your darker green line. You also have international shares, which is like your yellow line, and then property as well as well, which is that kind of maroon color. Can you see kind of where where I'm at?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Beautiful. So this is where you do have about 90% at the moment. And these are the ones that you can see grow the most when we are looking at a longer period of time, but they also fluctuate in the short term. You do have 10% in a high growth than in your defensive.\n\nSo that's like your bottom three. So you'll have your cash, fixed interest, and then typically gold can factor into this as well. And the purpose is to tryna level things out and smooth it out a little bit. Because you can see that they don't grow near as much, but they're\n\nChannel 1: Yeah.\n\nChannel 0: a little bit more steady when it comes to how they're growing. So we wanna\n\nChannel 1: Uh-huh.\n\nChannel 0: have some element of that to your portfolio,\n\nChannel 1: Yeah.\n\nChannel 0: limit those fluctuations a little bit. Now when we are then also thinking about a time frame, because we wanna make sure as well that aside from you being comfortable with short term fluctuation, that you also have enough time for these ups and downs to come back around. So when we are looking at a high growth portfolio, we would like to typically see at least eight years till retirement to making sure that you have enough time for those fluctuations to come back around and continue to grow. So\n\nChannel 1: Uh-huh.\n\nChannel 0: from a time frame point of view, you definitely have more than eight years until retirement. So from that time frame, you are in a well positioned being in a high growth portfolio. But are you still comfortable with, like, the level of risk and fluctuation with a high growth portfolio?\n\nChannel 1: Well, last the very first time they gave me a work figure, but I'm not too sure what it was. They did give me so say if I retire in the next ten no. No. Ten. Fifteen no.\n\nTwenty years maybe.\n\nChannel 0: Yes?\n\nChannel 1: How much I'm looking up? How much I would have in super?\n\nChannel 0: Yes. So what we can do is I can do after the call or probably early next week, I can send you an email with a bit of an updated projection for you if you would like because there's quite a bit of math and calculation that goes into it.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: But I can I can get that drawn up and working on the numbers for you and then send it to you in an email if you'll be happy with that? And that gives\n\nChannel 1: Yeah.\n\nChannel 0: you I can do five and ten years if you would like just to kind of show you the way that things are tracking.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Longer than that as well, there is so much that can change.\n\nChannel 1: Yeah.\n\nChannel 0: So, typically\n\nChannel 1: So you you you give me a projection in ten years.\n\nChannel 0: yes. I can do\n\nChannel 1: Yeah.\n\nChannel 0: five and ten years and email that to you to kind of show you where you are on track for at the moment.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah. Would that be helpful?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Yep. Great. And for the time being, otherwise, you are happy with, like, your high growth portfolio in terms of how your money is invested, like the level of risk and stuff?\n\nChannel 1: I mean, look, the thing is I didn't go very that's why, you know, that's why we have financial advisers there.\n\nChannel 0: Yes. Yep.\n\nChannel 1: What what what would you recommend? Because for me, when I switched, the first\n\nChannel 0: Yep.\n\nChannel 1: year, the growth was great. You know?\n\nChannel 0: Yes.\n\nChannel 1: And I just stayed\n\nChannel 0: Yep.\n\nChannel 1: there, you\n\nChannel 0: Yeah.\n\nChannel 1: know. But I I don't I mean, if I don't actually follow the market trend and stuff like that.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: I I wish I could, but I don't. That's why, you know,\n\nChannel 0: Yep. Yep.\n\nChannel 1: it's it's in your hand. But what what you guys\n\nChannel 0: Yep.\n\nChannel 1: reckon would be the\n\nChannel 0: So from a risk profile point of view,\n\nChannel 1: best\n\nChannel 0: it is also dependent now a lot of clients similar to yourself, we see in a high growth portfolio because\n\nChannel 1: Uh-huh.\n\nChannel 0: you have a lot of time.\n\nChannel 1: Yeah.\n\nChannel 0: So you have time for those fluctuations. So, yes, some years will be really good, other years not so good\n\nChannel 1: Okay.\n\nChannel 0: because you do have those fluctuations. And that is just the nature of the market. But\n\nChannel 1: Mhmm.\n\nChannel 0: when we are then looking at a longer period of time, so a longer time frame, you will see that it's typically performing a lot better than your defensive portfolio. If you're defensive, you will have a little bit smoother. Each year is kind of maybe average, not\n\nChannel 1: Mhmm.\n\nChannel 0: as good, but then you also don't have the the the lows. But long term, you're not gonna see it grow as much. So from a from a time frame, typically, like I said, I do have most clients in a high growth portfolio similar to yourself.\n\nChannel 1: Okay.\n\nChannel 0: What also plays in role is also what you are comfortable with. Because\n\nChannel 1: Alright.\n\nChannel 0: aside from time, it is also your behavior in regards to feeling it. Because at the same time, I have some clients who are 70 who wants max risk, and they're comfortable with it. And I have others who are very defensive. I have\n\nChannel 1: Uh-huh.\n\nChannel 0: some 20 year old who's like, no. I don't feel comfortable with with any fluctuations, and they're super conservative. They are more kind of unique. Typically, as long as you kind of understand that things will fluctuate on the short term as long as it\n\nChannel 1: Mhmm.\n\nChannel 0: will continue in the long term through to give you those returns.\n\nChannel 1: Okay.\n\nChannel 0: Short term, there will be some of those fluctuations. So from a time frame, like I said, you are in a good position with a high growth portfolio as long as you do feel comfortable with those short term fluctuations. As long as long term, it will continue to grow.\n\nChannel 1: Uh-huh.\n\nChannel 0: Does\n\nChannel 1: Okay.\n\nChannel 0: that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep. But what I will do, like I said for you anyway, as I will do a bit of an updated projection, so that you can see how how things are tracking and going for you with the investments and stuff like that as well. Yep. Perfect.\n\nAnd when it comes to superannuation, otherwise, I do have here that, ideally, you would like to retire and start drawing an income from your super at the age of 65. Is\n\nChannel 1: Yeah.\n\nChannel 0: that still kind of the plan,\n\nChannel 1: Not\n\nChannel 0: do you think?\n\nChannel 1: there if I if I leave that long. Yeah.\n\nChannel 0: Hopefully. And income wise, I have here that you would like to draw a weekly income of about $700 per week to to kind of cover bills and expenses and everything. Do you still think that would be achievable, or do you think you need to draw a little bit more potentially?\n\nChannel 1: Yeah. We need more, maybe.\n\nChannel 0: Yeah?\n\nChannel 1: 12 to 1,500, I would say.\n\nChannel 0: Yeah. Perfect. I'll just put it about 1,500 for you, especially with living living expenses and everything. Most people do say between 1,000 and 2,000, so 1,500 is pretty spot on what most people would say they need for retirement.\n\nChannel 1: Uh-huh.\n\nChannel 0: And most of the time for retirement, so people's goals are to make sure you have your property, like, paid off. So, ideally, maybe not have a mortgage or much debt, And then\n\nChannel 1: Yeah.\n\nChannel 0: it's just a matter of, you know, covering living expenses or travel or anything like that as well.\n\nChannel 1: Uh-huh.\n\nChannel 0: Now what is the next document that you can see there for me?\n\nChannel 1: Just one sec.\n\nChannel 0: Yep.\n\nChannel 1: Next look, we've got production plan.\n\nChannel 0: Yes. So that one there, it basically just breaks down your insurances in more detail. So you don't have to open it now, but, basically, it shows you, yeah, your insurances in more detail,\n\nChannel 1: Yep.\n\nChannel 0: but just lets you know that's all paid and up to date, essentially.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. And what's the next one for me?\n\nChannel 1: And the service says guide.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: So you have a services guide version one, and then you also have a financial services guide version two. Do you have that one as well?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. But, essentially, if you want to click on the service guide for me, version one, the the version four is just like a bit of a shorter summary of it. But\n\nChannel 1: Mhmm.\n\nChannel 0: if you can click on the one the the version one document. Now you would have seen something like this before. It is one of those compliance documents, but it does give you all the important information in regards to Oakview for you. And it does show you all the team, our directors, our advisers, and everything there for you, so none of the important information has changed. But we've\n\nChannel 1: Yep.\n\nChannel 0: had a bit of an extension to the team, which is good, and also done a bit of updated marketing. Now as you scroll through this one, if you scroll down to page 10, I believe,\n\nChannel 1: Yep.\n\nChannel 0: can can you see where it says meet our experienced team? And you will\n\nChannel 1: Yep.\n\nChannel 0: have yep. So you will actually see then myself there. If you do wanna put a face to the voice, and I am next to Dana. Are you on that page,\n\nChannel 1: Hold on.\n\nChannel 0: or who who can you see?\n\nChannel 1: No. No. No. I can. I can.\n\nI just did something. I need just oh, yeah. You are with Donna Taylor. Yeah?\n\nChannel 0: Yeah. I'm I'm next to Dana. I'm Veronica.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Sometimes it is nice to put a face to the voice, you know, if we're doing things over the phone, and so that you actually know who you're talking to.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But, yeah, all that information is in there for you. Now\n\nChannel 1: Mhmm.\n\nChannel 0: is the next one you can see the one where it asked you to sign? Your your next document after that, what does that look like?\n\nChannel 1: Just one moment. I don't see oh, yeah. That's the Netwealth Comets.\n\nChannel 0: Fecan? Yes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So that one here, that is your ongoing service agreement. Now that one here is if you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays\n\nChannel 1: Mhmm.\n\nChannel 0: exactly the same at 1.65 from Super, so no changes in regards to the fee, and it is not a locking contract. So if at any point in time you are not happy, it is not a locking contract. But, essentially, by signing this one, it allows you to remain a client and ask to continue to manage your account and everything for you in the meantime. And then every annual review, it is something that you have to agree and sign again. We can't just keep charging fees otherwise.\n\nDoes that make sense?\n\nChannel 1: Mhmm. Now can you repeat that last part\n\nChannel 0: Yes.\n\nChannel 1: about the locking contrast?\n\nChannel 0: Yeah. It is not a lock in contract. So let's say you, you know, sign the ongoing service agreement, and then let's say in a month's time, you move overseas, or you decide that, you know what, you are not happy with the services, there there's no lock in. There's no exit fees. You can cancel whenever you want to.\n\nSo even if you do sign it, it's not like you are locked in for a certain\n\nChannel 1: Mhmm.\n\nChannel 0: amount of amount of time. But every year, it is a requirement that we get a new ongoing service agreement so that we can continue with Netwealth's management investments and do all of that for you.\n\nChannel 1: No. Yep.\n\nChannel 0: But it is not like a it's it's not like you locked in for a certain amount of time at all.\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Perfect. And do you have one last doc last page there where it says tax file number?\n\nChannel 1: Do I need to sign here? Alright. So she\n\nChannel 0: Yes,\n\nChannel 1: made\n\nChannel 0: please. Yep. If you're happy to do so, it will ask you a signature date.\n\nChannel 1: Okay. My first name is\n\nChannel 0: Yep.\n\nChannel 1: yeah. I have the option to provide tax file number. Yeah?\n\nChannel 0: Yes. So that is just a compliance form for you, and that is just to say that we are keeping your tax file number secure and safe on the file.\n\nChannel 1: Mhmm.\n\nChannel 0: So that one does need a little signature and date as well, and those are the only two that need signing.\n\nChannel 1: Yep.\n\nChannel 0: And then once you've added the signature, it should say validate, I believe.\n\nChannel 1: Yeah.\n\nChannel 0: And then once you press validate, it should load a little bit and then send it back to me, and then I can get all those forms uploaded and sorted for you.\n\nChannel 1: And then just speaking a lot?\n\nChannel 0: Yep. No. That's okay. And while it does load, I do wanna just run through just a bit of an updated fact find with you as well just to see if there is anything major that has changed in in your life, if we do need to make any changes to your advice otherwise. So just bear with me as I go through these couple of questions.\n\nAnd I can see here that those documents have just come through, which is fantastic, so thank you for that. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct?\n\nChannel 1: Now will be two. I have one son, but he just turned 18. 19.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: 19. Perfect. So two, that's financial dependent, and then one that's a little bit older.\n\nChannel 1: Mhmm. Mhmm. Yeah.\n\nChannel 0: Yep. Perfect. Now next option, so if for some reason we cannot get in touch with you, I have here a Kristel nominated.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. But I don't have a phone number.\n\nChannel 1: 0\n\nChannel 0: Do you have a contact? Yep. Perfect. 0452.\n\nChannel 1: zero four five two\n\nChannel 0: Yes.\n\nChannel 1: 335\n\nChannel 0: Three three five. Yep.\n\nChannel 1: 386.\n\nChannel 0: 386. Beautiful. Thank you so much. Now employment wise, are you still kind of working at the the cafe, like, self employed at the cafe, or has anything changed with your employment?\n\nChannel 1: I work at the hospital now.\n\nChannel 0: Oh, the hospital? And what do\n\nChannel 1: Yeah.\n\nChannel 0: you do there?\n\nChannel 1: Clerk?\n\nChannel 0: Oh, yes. Perfect. And is that a 100%,\n\nChannel 1: Yes.\n\nChannel 0: like, admin based? Yep. Perfect. And working full time?\n\nChannel 1: Part time.\n\nChannel 0: Part time. And how many hours would you do roughly\n\nChannel 1: Fifty\n\nChannel 0: a week or fortnight?\n\nChannel 1: around no. No. In a fortnight, around fifty six hours.\n\nChannel 0: Fifty six hours per\n\nChannel 1: Mhmm.\n\nChannel 0: fortnight. Perfect. And when did you start there? A\n\nChannel 1: It's nearly sober here now.\n\nChannel 0: year. Perfect. And do you like it?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's good. And what hospital is it at?\n\nChannel 1: Am I there?\n\nChannel 0: Armadale? Okay. Perfect. And do you know if do you have any, like, enterprise bargain agreement agreement, or do you get any additional benefits, like, to super or salary packaging or anything like that as part of the agreement at the hospital?\n\nChannel 1: Yes. You get salary packaging.\n\nChannel 0: Yeah. And do you know what's entailed in that?\n\nChannel 1: You can do your mortgage. It depends. You have you have all sorts of options. You\n\nChannel 0: Okay.\n\nChannel 1: can do\n\nChannel 0: Are\n\nChannel 1: your\n\nChannel 0: you\n\nChannel 1: hex. You can do your daily expense. You can do your car.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. They usually have pretty good deals\n\nChannel 1: Very good.\n\nChannel 0: when you\n\nChannel 1: Yeah.\n\nChannel 0: do work. Yeah. And your income at the moment on a yearly basis if you have that?\n\nChannel 1: Would be around 60,000. Because it\n\nChannel 0: About\n\nChannel 1: fluctuates.\n\nChannel 0: 6\n\nChannel 1: You can tell me for a time. You know?\n\nChannel 0: yeah. So if you do, depending on how many hours and stuff you do,\n\nChannel 1: Yep.\n\nChannel 0: it will fluctuate\n\nChannel 1: Yeah.\n\nChannel 0: a little bit.\n\nChannel 1: But I\n\nChannel 0: Yep.\n\nChannel 1: would say\n\nChannel 0: Perfect.\n\nChannel 1: I would say around the 50 to 60 something.\n\nChannel 0: Alright. Around 50 to 60. Now do they pay you the standard contributions into super at 12%, or\n\nChannel 1: I think\n\nChannel 0: do\n\nChannel 1: you\n\nChannel 0: they\n\nChannel 1: just\n\nChannel 0: pay you any more?\n\nChannel 1: I think it is I think it's I'm not too sure. To be honest, I never checked the percentage, but I know it's about 10 for sure.\n\nChannel 0: Yeah. Because now the minimum that they are required to do is 12%, but most employers does do 12. Some government jobs do a little bit more.\n\nChannel 1: Definitely. Then they should be doing more for what we do there.\n\nChannel 0: Maybe. I can I can have a look at it and see if I can find it? So\n\nChannel 1: Mhmm.\n\nChannel 0: Armadale Hospital, sometimes it is just a standard 12, but I'll have a little look at it. Because as well, when I do the updated projection and email that through to you, that will also then impact your income and\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: contributions.\n\nChannel 1: Yeah.\n\nChannel 0: So what I can do, would you like me to to base on 50,000 or 60,000? What do you think is more realistic for you?\n\nChannel 1: $50.65.\n\nChannel 0: Six 55?\n\nChannel 1: Yeah.\n\nChannel 0: So somewhere in the middle? Yeah. Alright. So 55. And I will triple check those contributions for you just to make sure we have that correct.\n\nAnd I'll include that in the projections to show you as well as the insurances and everything so that you can see. And are you salary sacrificing anything else into super or just from your employer that gets contributed\n\nChannel 1: Yes. Just\n\nChannel 0: into\n\nChannel 1: just\n\nChannel 0: super?\n\nChannel 1: my employer.\n\nChannel 0: Yep. No. Beautiful. And when it comes to assets, so I have here that you have a property\n\nChannel 1: Yep.\n\nChannel 0: and loss that was valued at about 500,000.\n\nChannel 1: It's around 900 now.\n\nChannel 0: Oh, beautiful. That's a nice little increase.\n\nChannel 1: Yep.\n\nChannel 0: Well, especially over in, yeah, WA. Seeing a bit of that crazy\n\nChannel 1: Yeah.\n\nChannel 0: housing.\n\nChannel 1: No. But the thing is, you know, the the funny thing is the house price goes up. But if you sell this, you\n\nChannel 0: Yeah.\n\nChannel 1: will never get a house similar. You know? So so so nothing basically has changed. Because if you\n\nChannel 0: Yeah.\n\nChannel 1: see, you buy a house. You sell a house like this.\n\nChannel 0: Yep.\n\nChannel 1: You will go and buy another house. You put another million on your head. You know? So\n\nChannel 0: Yes.\n\nChannel 1: it just looks\n\nChannel 0: Yes.\n\nChannel 1: in terms of money, it looks good. But\n\nChannel 0: Yes.\n\nChannel 1: at the end of the day, nothing has\n\nChannel 0: Yeah.\n\nChannel 1: changed. It's\n\nChannel 0: Yes.\n\nChannel 1: just here. You've made some equity, got some equity.\n\nChannel 0: Yeah.\n\nChannel 1: That's it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: You got equity in the house, but if you wanted to upgrade, yes,\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: get more\n\nChannel 1: You\n\nChannel 0: for your\n\nChannel 1: yeah.\n\nChannel 0: property.\n\nChannel 1: Then then you are stopped.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: but something\n\nChannel 1: Yeah.\n\nChannel 0: else is also more expensive.\n\nChannel 1: Yeah.\n\nChannel 0: Now your mortgage, I have here that last time, it was around 357,000.\n\nChannel 1: I think it's still around there.\n\nChannel 0: Still around that the same? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And do you also have two motor vehicles valued at about 30,000?\n\nChannel 1: Yeah. Now it would be over 100, I think.\n\nChannel 0: Over a 100? Perfect. And\n\nChannel 1: Yeah.\n\nChannel 0: still two of them or more?\n\nChannel 1: No. One, two, three.\n\nChannel 0: Three? Okay. So three\n\nChannel 1: No.\n\nChannel 0: cars.\n\nChannel 1: Sorry. Four. Four.\n\nChannel 0: Four? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: And do you have anything owing on any of the motor vehicles?\n\nChannel 1: One is being I do it through salary we sacrifice. So that would be a a good 60,000 probably on there.\n\nChannel 0: Yeah. Okay. Perfect. So the cellular packaging, about 60 if you were to pay it. And the others are all paid off?\n\nChannel 1: All paid off. Yeah.\n\nChannel 0: Okay. Perfect. Do you have any other assets, any other motorbikes or\n\nChannel 1: I\n\nChannel 0: boats\n\nChannel 1: don't.\n\nChannel 0: or savings\n\nChannel 1: No.\n\nChannel 0: in the bank or anything? Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, ZipPay aside from,\n\nChannel 1: No.\n\nChannel 0: like, the mortgage?\n\nChannel 1: Not really.\n\nChannel 0: No?\n\nChannel 1: I don't think\n\nChannel 0: Alright.\n\nChannel 1: so.\n\nChannel 0: Alright. Perfect. And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months?\n\nChannel 1: No. Actually, I just,\n\nChannel 0: No.\n\nChannel 1: yeah, like, signs of diabetes and stuff. So but\n\nChannel 0: Yeah. But nothing kind of that's preventing you from working or or any any\n\nChannel 1: No.\n\nChannel 0: other\n\nChannel 1: Nothing.\n\nChannel 0: medication. No.\n\nChannel 1: No.\n\nChannel 0: Okay. And do you have private health insurance?\n\nChannel 1: Yeah. But just the extras, not hospital.\n\nChannel 0: Just yep. Okay. And when it comes to estate planning, do you have a will or power of attorney in place?\n\nChannel 1: Not yet. We should\n\nChannel 0: No.\n\nChannel 1: get\n\nChannel 0: On\n\nChannel 1: that\n\nChannel 0: the\n\nChannel 1: done.\n\nChannel 0: to do yeah. On the to do list.\n\nChannel 1: Hold on. Sorry.\n\nChannel 0: No. That's okay. What kind of dogs do you have?\n\nChannel 1: I have gold gold and retrievers.\n\nChannel 0: Oh, beautiful. I have a Labrador, so I know I know the feeling. Now do you have anyone who makes any financial decisions on your behalf?\n\nChannel 1: Only my wife if\n\nChannel 0: Yep.\n\nChannel 1: yeah. If needed.\n\nChannel 0: No. That's\n\nChannel 1: Otherwise, I do myself. Yeah.\n\nChannel 0: yeah. And when it comes to your super as well and for your insurances, now I can see here that we do not have a nomination on file for you if something were to happen to you. So do\n\nChannel 1: Yeah.\n\nChannel 0: you remember receiving those forms in the post at all?\n\nChannel 1: I think I filled it up and sent it. That was a while ago.\n\nChannel 0: Let me have a look because I can see here that it doesn't look like we received them. That sometimes especially from WA, so post can be a bit slower. But if it was how\n\nChannel 1: How long\n\nChannel 0: long\n\nChannel 1: ago\n\nChannel 0: ago\n\nChannel 1: was\n\nChannel 0: do\n\nChannel 1: that?\n\nChannel 0: you think? Because we can't see it coming back. So we send them to you. It was a little while ago, quite a while ago.\n\nChannel 1: I'm not too sure. Maybe if you could send it again, if that's\n\nChannel 0: Yeah. Of\n\nChannel 1: okay.\n\nChannel 0: course. Yes. Perfect. Now do you have access to a printer, or do you prefer postage?\n\nChannel 1: I know I I have access to printer. Yeah.\n\nChannel 0: Okay. Because what I can do to make it easier, especially if post does take a while and just so you\n\nChannel 1: Yeah.\n\nChannel 0: don't have to redo it, is\n\nChannel 1: Yeah.\n\nChannel 0: that I can get the team to email them to you. That way, you have it in your inbox as well\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: as a little a little prompt. You just have to because you are making a legal nomination, you just have to print it, sign it, get it witnessed, and then send\n\nChannel 1: Yep.\n\nChannel 0: it back. That\n\nChannel 1: Yep.\n\nChannel 0: way, it's in an email as well, and it won't get lost in the post.\n\nChannel 1: Yep.\n\nChannel 0: So I will get the team to email that. Now do you have any idea of who you would like to nominate? Because\n\nChannel 1: Pardon?\n\nChannel 0: there are different do you have any idea of who you would like to put down as a nominee? Because there are different rules and tax depending on who you want to nominate. Do you know who wants\n\nChannel 1: It has\n\nChannel 0: to\n\nChannel 1: to\n\nChannel 0: receive\n\nChannel 1: be\n\nChannel 0: it?\n\nChannel 1: it has\n\nChannel 0: Yes.\n\nChannel 1: to be an adult. Yeah?\n\nChannel 0: It no. It can be children as well,\n\nChannel 1: Yeah.\n\nChannel 0: but there are different tax consequences for children. So, for example, if you were to give it to your spouse,\n\nChannel 1: Yeah.\n\nChannel 0: it will be a 100% tax free.\n\nChannel 1: Yes.\n\nChannel 0: So she would then receive everything tax free, and then, obviously, she can decide how the money will be split depending on what your agreement is.\n\nChannel 1: Uh-huh.\n\nChannel 0: Now when it comes to children, you can still give a portion to them,\n\nChannel 1: Yeah.\n\nChannel 0: But children over so children under 18, they don't have to pay tax. Children over 18, unless they are disabled, studying at uni, or in a, like, relying financially on yourself, they can pay tax of up to 32%\n\nChannel 1: Mhmm. But if\n\nChannel 0: on\n\nChannel 1: they\n\nChannel 0: what\n\nChannel 1: they\n\nChannel 0: they\n\nChannel 1: are studying,\n\nChannel 0: receive.\n\nChannel 1: they don't have to. Yeah?\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: So is your oldest starting at the moment?\n\nChannel 1: Yeah. He will yeah. Yeah. He's still studying. Yeah.\n\nChannel 0: Yeah. Okay. So it is up to you on how you want to do it. Just be mindful that if you do nominate your children, for example, and,\n\nChannel 1: Mhmm.\n\nChannel 0: obviously, time goes by and you don't change it, then they could pay tax on some components,\n\nChannel 1: Mhmm.\n\nChannel 0: but then you can still decide of who you want to nominate. So nominate children and a spouse is a valid nomination, and you can split that however you want.\n\nChannel 1: Yep. Yep. Mhmm.\n\nChannel 0: Yep. Perfect. So I'll include a bit of a cover letter in the email as well, and\n\nChannel 1: Mhmm.\n\nChannel 0: that kind of explains how to how to fill them out and which type of nomination and stuff as well. But if you do have any questions when you get it and you are unsure, you just give me a call.\n\nChannel 1: Yep. Alright. Thank you.\n\nChannel 0: Yep. No. That is no problem. Now the last thing I do wanna check here is your goals. So other things that you are potentially working it towards or if there's anything else that you might need.\n\nSo I have here that last time we spoke to you, your focus in the next couple of years was to potentially buy an investment property. Is\n\nChannel 1: Yeah.\n\nChannel 0: that still something you guys are kind of working towards in the long term?\n\nChannel 1: Yeah. But we don't see it happening, but we\n\nChannel 0: Yes.\n\nChannel 1: still\n\nChannel 0: Yep. And is there anything else that you are working towards financially or non financially or any other systems you need with anything?\n\nChannel 1: yeah. No. Not really.\n\nChannel 0: No? No? Okay. If anything does change, you know, just just give us a call if there's anything else that you need, or we could always book you in for a catch up to talk about different things as well if if it ever is something you do wanna talk about. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now that was essentially everything that I needed to kind of run through on my end for you. But do you have any other questions before I let you go and enjoy the rest of your day otherwise?\n\nChannel 1: Mhmm. Yes. Thank you.\n\nChannel 0: No? Perfect. Now keep a lookout for my email. So I will get the team to email you those beneficiary forms,\n\nChannel 1: Yes.\n\nChannel 0: and then I'll get working on that projection to send through to you. Now I don't work tomorrow, and I have pretty back to back the rest of the day. So\n\nChannel 1: Yeah.\n\nChannel 0: it might be kind of early next week,\n\nChannel 1: That's\n\nChannel 0: if that's\n\nChannel 1: fine.\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. That's\n\nChannel 0: Perfect.\n\nChannel 1: fine. Yep.\n\nChannel 0: Just keep a lookout for your emails, and it will come through from myself.\n\nChannel 1: Uh-huh.\n\nChannel 0: If you have any questions when you get it, though, or you wanna talk about anything else, just respond to the email or give me a call, and we\n\nChannel 1: Yep.\n\nChannel 0: can always go through it. But at least that will give you a bit of an update on how things are tracking for you.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yep.\n\nChannel 1: Thank you so much.\n\nChannel 0: No problem at all. Thank you so much for your time today. And anything else that you need, don't hesitate to give me a call.\n\nChannel 1: Thank you.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.04,"end":1.76,"sentiment":"neutral","sentiment_score":0.30359864234924316},{"text":"This is Veronica from Oakview Financial.","start":1.76,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.26383183399836224},{"text":"How are you?","start":3.84,"end":4.66,"sentiment":"neutral","sentiment_score":0.1824264278014501}],"sentiment":"neutral","sentiment_score":0.24886068837209183,"channel":0,"num_words":11,"start":1.04,"end":4.66},{"sentences":[{"text":"Good.","start":4.7999997,"end":5.2799997,"sentiment":"positive","sentiment_score":0.40242576599121094},{"text":"How are you?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.2592618465423584}],"sentiment":"neutral","sentiment_score":0.29505282640457153,"channel":1,"num_words":4,"start":4.7999997,"end":6.02},{"sentences":[{"text":"Good.","start":6.16,"end":6.66,"sentiment":"positive","sentiment_score":0.5757887363433838},{"text":"Thanks.","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.6650067567825317},{"text":"I had you booked in for your annual review.","start":8.16,"end":10.88,"sentiment":"positive","sentiment_score":0.4657360249095493},{"text":"Is now still a good time for you?","start":10.88,"end":12.58,"sentiment":"positive","sentiment_score":0.4022315964102745}],"sentiment":"positive","sentiment_score":0.4552774993996871,"channel":0,"num_words":19,"start":6.16,"end":12.58},{"sentences":[{"text":"Yeah.","start":12.799999,"end":13.12,"sentiment":"positive","sentiment_score":0.3795108497142792},{"text":"That's perfect.","start":13.12,"end":13.86,"sentiment":"positive","sentiment_score":0.6050079166889191}],"sentiment":"positive","sentiment_score":0.5298422276973724,"channel":1,"num_words":3,"start":12.799999,"end":13.86},{"sentences":[{"text":"Yes.","start":14.455,"end":14.775,"sentiment":"positive","sentiment_score":0.43665575981140137},{"text":"Perfect.","start":14.775,"end":15.275,"sentiment":"positive","sentiment_score":0.5481635332107544},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":15.815,"end":24.474998,"sentiment":"neutral","sentiment_score":0.08107824851908992}],"sentiment":"neutral","sentiment_score":0.10600742415496797,"channel":0,"num_words":33,"start":14.455,"end":24.474998},{"sentences":[{"text":"Yeah.","start":24.555,"end":24.875,"sentiment":"neutral","sentiment_score":0.13528387248516083},{"text":"That's fine.","start":24.875,"end":25.615,"sentiment":"neutral","sentiment_score":0.21094991266727448}],"sentiment":"neutral","sentiment_score":0.1857278992732366,"channel":1,"num_words":3,"start":24.555,"end":25.615},{"sentences":[{"text":"Perfect.","start":26.07,"end":26.57,"sentiment":"positive","sentiment_score":0.3684382438659668},{"text":"And just for security purposes, just so I can confirm who I'm speaking with, can I just get you to confirm your full name,","start":26.869999,"end":34.23,"sentiment":"neutral","sentiment_score":0.10429673517743747}],"sentiment":"neutral","sentiment_score":0.11486239552497864,"channel":0,"num_words":25,"start":26.07,"end":34.23},{"sentences":[{"text":"Yep.","start":33.96,"end":34.46,"sentiment":"neutral","sentiment_score":0.06394317746162415}],"sentiment":"neutral","sentiment_score":0.06394317746162415,"channel":1,"num_words":1,"start":33.96,"end":34.46},{"sentences":[{"text":"date of birth, and address, please?","start":34.23,"end":36.01,"sentiment":"neutral","sentiment_score":0.04984112083911896}],"sentiment":"neutral","sentiment_score":0.04984112083911896,"channel":0,"num_words":6,"start":34.23,"end":36.01},{"sentences":[{"text":"Yeah.","start":36.6,"end":36.84,"sentiment":"neutral","sentiment_score":0.02603735961019993},{"text":"Pawan, Raghubar, 0601819 Sensing On Boulevard in bicep.","start":36.84,"end":42.455,"sentiment":"neutral","sentiment_score":0.041513215051963925}],"sentiment":"neutral","sentiment_score":0.03979367555843459,"channel":1,"num_words":9,"start":36.6,"end":42.455},{"sentences":[{"text":"Yep.","start":43.045,"end":43.545,"sentiment":"neutral","sentiment_score":0.14917413890361786},{"text":"Beautiful.","start":43.605,"end":44.105,"sentiment":"positive","sentiment_score":0.4479704201221466},{"text":"And how's your morning been?","start":44.165,"end":45.525,"sentiment":"neutral","sentiment_score":0.15867217183113097},{"text":"Been busy?","start":45.525,"end":46.265,"sentiment":"neutral","sentiment_score":0.0330452611669898}],"sentiment":"neutral","sentiment_score":0.16184399339059988,"channel":0,"num_words":9,"start":43.045,"end":46.265},{"sentences":[{"text":"Yeah.","start":46.835003,"end":47.335003,"sentiment":"neutral","sentiment_score":0.04489615187048912},{"text":"Yes.","start":47.395,"end":47.875,"sentiment":"neutral","sentiment_score":0.0664450079202652},{"text":"It's a lot happening.","start":47.875,"end":48.855003,"sentiment":"neutral","sentiment_score":0.0588519936427474}],"sentiment":"neutral","sentiment_score":0.057791522393623986,"channel":1,"num_words":6,"start":46.835003,"end":48.855003},{"sentences":[{"text":"Well, I will try my best not to keep you for too long.","start":49.640003,"end":52.780003,"sentiment":"neutral","sentiment_score":-0.04424892767117573},{"text":"But before I do kind of jump in to your interview, I do like to start by asking if there is anything specific you would like me to address today or any particular questions you have or whether it's just a bit of a catch up and see kind of where everything's at?","start":53.800003,"end":69.005,"sentiment":"neutral","sentiment_score":0.016218665495233715}],"sentiment":"neutral","sentiment_score":0.004308381992759127,"channel":0,"num_words":66,"start":49.640003,"end":69.005},{"sentences":[{"text":"No.","start":69.695,"end":70.095,"sentiment":"neutral","sentiment_score":-0.1395835280418396},{"text":"I just wanted to check how the, you know, how the train is whether, you know, the if, I mean, if the super is growing or not.","start":70.095,"end":80.655,"sentiment":"neutral","sentiment_score":-0.1394120529294014},{"text":"So I haven't checked it for a while, to be honest.","start":80.655,"end":83.075,"sentiment":"neutral","sentiment_score":-0.1499754237857732}],"sentiment":"neutral","sentiment_score":-0.14239586201997903,"channel":1,"num_words":39,"start":69.695,"end":83.075},{"sentences":[{"text":"Yeah.","start":83.64,"end":84.14,"sentiment":"neutral","sentiment_score":-0.04958205670118332},{"text":"No.","start":84.36,"end":84.6,"sentiment":"neutral","sentiment_score":-0.09905286133289336},{"text":"That's okay.","start":84.6,"end":85.4,"sentiment":"neutral","sentiment_score":-0.03436698392033577},{"text":"So we'll definitely go through where your super is at and your investments in a bit more detail as well.","start":85.4,"end":92.975,"sentiment":"neutral","sentiment_score":0.021087012253701687},{"text":"So what I have done actually is I have just sent you an email with some documents.","start":94.395,"end":100.255,"sentiment":"neutral","sentiment_score":0.006866018671323271}],"sentiment":"neutral","sentiment_score":0.007831553088092223,"channel":0,"num_words":41,"start":83.64,"end":100.255},{"sentences":[{"text":"Now do you have access to your emails at the moment?","start":100.634995,"end":103.134995,"sentiment":"neutral","sentiment_score":-0.021720911291512577}],"sentiment":"neutral","sentiment_score":-0.021720911291512577,"channel":0,"num_words":11,"start":100.634995,"end":103.134995},{"sentences":[{"text":"Just one moment.","start":104.994995,"end":105.975,"sentiment":"neutral","sentiment_score":-0.06479709098736446}],"sentiment":"neutral","sentiment_score":-0.06479709098736446,"channel":1,"num_words":3,"start":104.994995,"end":105.975},{"sentences":[{"text":"Yep.","start":106.52,"end":107.0,"sentiment":"neutral","sentiment_score":-0.08713873475790024},{"text":"Sure.","start":107.0,"end":107.5,"sentiment":"neutral","sentiment_score":-0.22983768582344055},{"text":"It could also end up in spam because we have recently changed the software.","start":119.735,"end":123.515,"sentiment":"negative","sentiment_score":-0.41571998596191406}],"sentiment":"negative","sentiment_score":-0.3835660140030086,"channel":0,"num_words":16,"start":106.52,"end":123.515},{"sentences":[{"text":"No.","start":124.05,"end":124.13,"sentiment":"neutral","sentiment_score":-0.2730177640914917},{"text":"No.","start":124.13,"end":124.21,"sentiment":"neutral","sentiment_score":-0.26784610748291016},{"text":"I I I have it.","start":124.21,"end":125.975006,"sentiment":"neutral","sentiment_score":-0.22335145473480225},{"text":"Yeah.","start":125.975006,"end":126.375,"sentiment":"neutral","sentiment_score":-0.07531405240297318},{"text":"What","start":126.375,"end":126.615005,"sentiment":"neutral","sentiment_score":-0.0628955215215683}],"sentiment":"neutral","sentiment_score":-0.19953674657477272,"channel":1,"num_words":9,"start":124.05,"end":126.615005},{"sentences":[{"text":"Oh,","start":126.774994,"end":127.274994,"sentiment":"neutral","sentiment_score":-0.07693111896514893}],"sentiment":"neutral","sentiment_score":-0.07693111896514893,"channel":0,"num_words":1,"start":126.774994,"end":127.274994},{"sentences":[{"text":"I just need","start":126.935005,"end":127.575005,"sentiment":"neutral","sentiment_score":-0.09657360364993413}],"sentiment":"neutral","sentiment_score":-0.09657360364993413,"channel":1,"num_words":3,"start":126.935005,"end":127.575005},{"sentences":[{"text":"okay.","start":127.494995,"end":127.98,"sentiment":"neutral","sentiment_score":-0.0786721482872963}],"sentiment":"neutral","sentiment_score":-0.0786721482872963,"channel":0,"num_words":1,"start":127.494995,"end":127.98},{"sentences":[{"text":"to sign it.","start":127.575005,"end":128.215,"sentiment":"neutral","sentiment_score":-0.0909002274274826},{"text":"Yeah?","start":128.215,"end":128.715,"sentiment":"neutral","sentiment_score":-0.02913704141974449}],"sentiment":"neutral","sentiment_score":-0.07545943092554808,"channel":1,"num_words":4,"start":127.575005,"end":128.715},{"sentences":[{"text":"I'll just wanna go through them with you first just to make sure you're happy before I get you to sign anything.","start":129.34,"end":134.8,"sentiment":"neutral","sentiment_score":-0.039869352217382664}],"sentiment":"neutral","sentiment_score":-0.039869352217382664,"channel":0,"num_words":22,"start":129.34,"end":134.8},{"sentences":[{"text":"Yeah.","start":135.255,"end":135.495,"sentiment":"neutral","sentiment_score":-0.002368103712797165},{"text":"Yeah.","start":135.495,"end":135.995,"sentiment":"neutral","sentiment_score":-0.05058683454990387}],"sentiment":"neutral","sentiment_score":-0.026477469131350517,"channel":1,"num_words":2,"start":135.255,"end":135.995},{"sentences":[{"text":"Now to make it easier for you, if you can let me know the order that you see the documents, we can go through it that way.","start":136.3,"end":144.53499,"sentiment":"neutral","sentiment_score":0.18616640595374284}],"sentiment":"neutral","sentiment_score":0.18616640595374284,"channel":0,"num_words":27,"start":136.3,"end":144.53499},{"sentences":[{"text":"I think it's the summary of superannuation and insurance.","start":145.11,"end":149.29001,"sentiment":"neutral","sentiment_score":0.15393846068117353}],"sentiment":"neutral","sentiment_score":0.15393846068117353,"channel":1,"num_words":9,"start":145.11,"end":149.29001},{"sentences":[{"text":"Okay.","start":149.955,"end":150.435,"sentiment":"neutral","sentiment_score":0.2000114768743515},{"text":"Yep.","start":150.435,"end":150.83499,"sentiment":"neutral","sentiment_score":0.31043916940689087},{"text":"Perfect.","start":150.83499,"end":151.33499,"sentiment":"positive","sentiment_score":0.5313555002212524},{"text":"So let me just open that one.","start":151.39499,"end":153.015,"sentiment":"neutral","sentiment_score":0.2684778847864696},{"text":"Now this one here gives you a bit of a breakdown of your current super and insurances.","start":153.39499,"end":158.455,"sentiment":"neutral","sentiment_score":0.15901788061155991}],"sentiment":"neutral","sentiment_score":0.20831315964460373,"channel":0,"num_words":27,"start":149.955,"end":158.455},{"sentences":[{"text":"So you have your superannuation with Netwealth.","start":159.23999,"end":162.54,"sentiment":"neutral","sentiment_score":0.1201203880565507},{"text":"Now you do have about a $111,025 in there.","start":163.0,"end":169.09999,"sentiment":"neutral","sentiment_score":0.1357648621002833},{"text":"And then you also have some insurances with Neo.","start":169.48,"end":172.93999,"sentiment":"neutral","sentiment_score":0.11231960770156649},{"text":"So you have life and total permanent disability insurance, and that is covering you for $654,604.","start":173.985,"end":184.405,"sentiment":"neutral","sentiment_score":0.14813574124127626},{"text":"Now those are paid from within Netwealth for you, so you don't pay for anything out of pocket.","start":185.105,"end":190.97,"sentiment":"neutral","sentiment_score":0.1351731452676985}],"sentiment":"neutral","sentiment_score":0.13350663422527959,"channel":0,"num_words":59,"start":159.23999,"end":190.97},{"sentences":[{"text":"After the","start":191.90999,"end":192.39,"sentiment":"neutral","sentiment_score":0.08308672159910202}],"sentiment":"neutral","sentiment_score":0.08308672159910202,"channel":0,"num_words":2,"start":191.90999,"end":192.39},{"sentences":[{"text":"Uh-huh.","start":192.22,"end":192.72,"sentiment":"neutral","sentiment_score":0.10349065065383913}],"sentiment":"neutral","sentiment_score":0.10349065065383913,"channel":1,"num_words":1,"start":192.22,"end":192.72},{"sentences":[{"text":"tax rebate, the total premium for both of those is 1,694.","start":192.39,"end":198.375,"sentiment":"neutral","sentiment_score":0.10156501965089278}],"sentiment":"neutral","sentiment_score":0.10156501965089278,"channel":0,"num_words":11,"start":192.39,"end":198.375},{"sentences":[{"text":"Yes.","start":199.18,"end":199.68,"sentiment":"neutral","sentiment_score":0.11392621695995332}],"sentiment":"neutral","sentiment_score":0.11392621695995332,"channel":1,"num_words":1,"start":199.18,"end":199.68},{"sentences":[{"text":"Now are you still happy with the level of cover that you have in place for licensed TPD, or","start":199.335,"end":206.075,"sentiment":"neutral","sentiment_score":0.19603215001131358}],"sentiment":"neutral","sentiment_score":0.19603215001131358,"channel":0,"num_words":19,"start":199.335,"end":206.075},{"sentences":[{"text":"Yes.","start":206.06,"end":206.56,"sentiment":"neutral","sentiment_score":0.08397501707077026}],"sentiment":"neutral","sentiment_score":0.08397501707077026,"channel":1,"num_words":1,"start":206.06,"end":206.56},{"sentences":[{"text":"would you like to make any adjustments?","start":206.215,"end":208.155,"sentiment":"neutral","sentiment_score":0.09358554918851171},{"text":"So that's all good.","start":208.295,"end":209.435,"sentiment":"positive","sentiment_score":0.374342642724514}],"sentiment":"neutral","sentiment_score":0.195679037747058,"channel":0,"num_words":11,"start":206.215,"end":209.435},{"sentences":[{"text":"No.","start":210.315,"end":210.555,"sentiment":"neutral","sentiment_score":-0.014442678540945051},{"text":"That's","start":210.555,"end":211.055,"sentiment":"neutral","sentiment_score":0.019171027466654778}],"sentiment":"neutral","sentiment_score":0.002364174462854863,"channel":1,"num_words":2,"start":210.315,"end":211.055},{"sentences":[{"text":"That's good.","start":211.59,"end":212.31,"sentiment":"neutral","sentiment_score":0.30268123745918274},{"text":"Perfect.","start":212.31,"end":212.81,"sentiment":"positive","sentiment_score":0.3977237343788147},{"text":"And with insurances as well, I can see here that you don't have income protection or trauma insurance.","start":213.03,"end":218.81,"sentiment":"neutral","sentiment_score":-0.027491496668921575},{"text":"You're still happy to not have those 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fantastic.","start":435.755,"end":444.33502,"sentiment":"positive","sentiment_score":0.5860163810161444},{"text":"Now there is one investment that you can see here that was underperforming, which was","start":444.91998,"end":450.28,"sentiment":"neutral","sentiment_score":-0.04517620131373405}],"sentiment":"positive","sentiment_score":0.3405968024550627,"channel":0,"num_words":48,"start":433.195,"end":450.28},{"sentences":[{"text":"Mhmm.","start":450.13,"end":450.63,"sentiment":"neutral","sentiment_score":-0.04521011561155319}],"sentiment":"neutral","sentiment_score":-0.04521011561155319,"channel":1,"num_words":1,"start":450.13,"end":450.63},{"sentences":[{"text":"down, which was your Benelong Australian Equity Fund.","start":450.28,"end":453.66,"sentiment":"neutral","sentiment_score":-0.00709186696622055},{"text":"Now did you get an email it was around the March 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up.","start":666.94995,"end":668.97,"sentiment":"neutral","sentiment_score":0.09910433118542035},{"text":"But short term, you can see that depending on what is going on in the world, there will be some ups and downs and market fluctuations.","start":669.11,"end":676.73,"sentiment":"neutral","sentiment_score":0.020527805273349468}],"sentiment":"neutral","sentiment_score":0.11181533421305093,"channel":0,"num_words":66,"start":656.575,"end":676.73},{"sentences":[{"text":"Yeah.","start":678.135,"end":678.635,"sentiment":"neutral","sentiment_score":0.001487113069742918}],"sentiment":"neutral","sentiment_score":0.001487113069742918,"channel":1,"num_words":1,"start":678.135,"end":678.635},{"sentences":[{"text":"Now how your money is currently invested as well is that we have you in a high growth 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spouse,","start":2205.305,"end":2210.5251,"sentiment":"neutral","sentiment_score":0.041478452583154045}],"sentiment":"neutral","sentiment_score":-0.009777442552149296,"channel":0,"num_words":20,"start":2202.0251,"end":2210.5251},{"sentences":[{"text":"Yeah.","start":2211.0,"end":2211.5,"sentiment":"neutral","sentiment_score":0.2132488191127777}],"sentiment":"neutral","sentiment_score":0.2132488191127777,"channel":1,"num_words":1,"start":2211.0,"end":2211.5},{"sentences":[{"text":"it will be a 100% tax free.","start":2211.625,"end":2214.045,"sentiment":"neutral","sentiment_score":0.24711616124425614}],"sentiment":"neutral","sentiment_score":0.24711616124425614,"channel":0,"num_words":7,"start":2211.625,"end":2214.045},{"sentences":[{"text":"Yes.","start":2214.3599,"end":2214.8599,"sentiment":"neutral","sentiment_score":0.1846630871295929}],"sentiment":"neutral","sentiment_score":0.1846630871295929,"channel":1,"num_words":1,"start":2214.3599,"end":2214.8599},{"sentences":[{"text":"So she 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day.","start":2391.3801,"end":2397.16,"sentiment":"neutral","sentiment_score":-0.10666783899068832},{"text":"So","start":2397.54,"end":2397.86,"sentiment":"neutral","sentiment_score":-0.0043670423328876495}],"sentiment":"neutral","sentiment_score":0.033441307203423594,"channel":0,"num_words":31,"start":2386.82,"end":2397.86},{"sentences":[{"text":"Yeah.","start":2397.8499,"end":2398.3499,"sentiment":"neutral","sentiment_score":0.01630411297082901}],"sentiment":"neutral","sentiment_score":0.01630411297082901,"channel":1,"num_words":1,"start":2397.8499,"end":2398.3499},{"sentences":[{"text":"it might be kind of early next week,","start":2397.86,"end":2401.755,"sentiment":"neutral","sentiment_score":0.01065341173671186}],"sentiment":"neutral","sentiment_score":0.01065341173671186,"channel":0,"num_words":8,"start":2397.86,"end":2401.755},{"sentences":[{"text":"That's","start":2401.93,"end":2402.25,"sentiment":"neutral","sentiment_score":0.0948491096496582}],"sentiment":"neutral","sentiment_score":0.0948491096496582,"channel":1,"num_words":1,"start":2401.93,"end":2402.25},{"sentences":[{"text":"if that's","start":2402.075,"end":2402.4749,"sentiment":"neutral","sentiment_score":0.12257212400436401}],"sentiment":"neutral","sentiment_score":0.12257212400436401,"channel":0,"num_words":2,"start":2402.075,"end":2402.4749},{"sentences":[{"text":"fine.","start":2402.25,"end":2402.75,"sentiment":"neutral","sentiment_score":0.08567892760038376}],"sentiment":"neutral","sentiment_score":0.08567892760038376,"channel":1,"num_words":1,"start":2402.25,"end":2402.75},{"sentences":[{"text":"okay.","start":2402.4749,"end":2402.9749,"sentiment":"neutral","sentiment_score":0.11450602114200592}],"sentiment":"neutral","sentiment_score":0.11450602114200592,"channel":0,"num_words":1,"start":2402.4749,"end":2402.9749},{"sentences":[{"text":"Yeah.","start":2403.13,"end":2403.3699,"sentiment":"neutral","sentiment_score":0.12153388559818268}],"sentiment":"neutral","sentiment_score":0.12153388559818268,"channel":1,"num_words":1,"start":2403.13,"end":2403.3699},{"sentences":[{"text":"Yep.","start":2403.275,"end":2403.595,"sentiment":"neutral","sentiment_score":0.15054309368133545}],"sentiment":"neutral","sentiment_score":0.15054309368133545,"channel":0,"num_words":1,"start":2403.275,"end":2403.595},{"sentences":[{"text":"Yeah.","start":2403.3699,"end":2403.5298,"sentiment":"neutral","sentiment_score":0.24959205090999603},{"text":"That's","start":2403.5298,"end":2403.8499,"sentiment":"positive","sentiment_score":0.5410694479942322}],"sentiment":"positive","sentiment_score":0.3953307494521141,"channel":1,"num_words":2,"start":2403.3699,"end":2403.8499},{"sentences":[{"text":"Perfect.","start":2403.595,"end":2404.095,"sentiment":"positive","sentiment_score":0.5589280724525452}],"sentiment":"positive","sentiment_score":0.5589280724525452,"channel":0,"num_words":1,"start":2403.595,"end":2404.095},{"sentences":[{"text":"fine.","start":2403.8499,"end":2404.3499,"sentiment":"positive","sentiment_score":0.4387851655483246},{"text":"Yep.","start":2404.65,"end":2405.15,"sentiment":"neutral","sentiment_score":0.28279417753219604}],"sentiment":"positive","sentiment_score":0.3607896715402603,"channel":1,"num_words":2,"start":2403.8499,"end":2405.15},{"sentences":[{"text":"Just keep a lookout for your emails, and it will come through from myself.","start":2404.875,"end":2408.7349,"sentiment":"neutral","sentiment_score":0.25036524661949705}],"sentiment":"neutral","sentiment_score":0.25036524661949705,"channel":0,"num_words":14,"start":2404.875,"end":2408.7349},{"sentences":[{"text":"Uh-huh.","start":2409.2852,"end":2409.7852,"sentiment":"neutral","sentiment_score":0.08853113651275635}],"sentiment":"neutral","sentiment_score":0.08853113651275635,"channel":1,"num_words":1,"start":2409.2852,"end":2409.7852},{"sentences":[{"text":"If you have any questions when you get it, though, or you wanna talk about anything else, just respond to the email or give me a call, and we","start":2409.4348,"end":2416.2349,"sentiment":"neutral","sentiment_score":0.12342808061632617}],"sentiment":"neutral","sentiment_score":0.12342808061632617,"channel":0,"num_words":29,"start":2409.4348,"end":2416.2349},{"sentences":[{"text":"Yep.","start":2416.085,"end":2416.585,"sentiment":"neutral","sentiment_score":0.15682367980480194}],"sentiment":"neutral","sentiment_score":0.15682367980480194,"channel":1,"num_words":1,"start":2416.085,"end":2416.585},{"sentences":[{"text":"can always go through it.","start":2416.2349,"end":2417.3,"sentiment":"neutral","sentiment_score":0.27316402196884154},{"text":"But at least that will give you a bit of an update on how things are tracking for you.","start":2417.3,"end":2421.16,"sentiment":"neutral","sentiment_score":0.28652488636343104}],"sentiment":"neutral","sentiment_score":0.28374137294789153,"channel":0,"num_words":24,"start":2416.2349,"end":2421.16},{"sentences":[{"text":"Yep.","start":2421.55,"end":2422.03,"sentiment":"neutral","sentiment_score":0.3047797679901123},{"text":"Sounds good.","start":2422.03,"end":2422.59,"sentiment":"positive","sentiment_score":0.6795640289783478}],"sentiment":"positive","sentiment_score":0.5546359419822693,"channel":1,"num_words":3,"start":2421.55,"end":2422.59},{"sentences":[{"text":"Yep.","start":2422.42,"end":2422.92,"sentiment":"positive","sentiment_score":0.43221181631088257}],"sentiment":"positive","sentiment_score":0.43221181631088257,"channel":0,"num_words":1,"start":2422.42,"end":2422.92},{"sentences":[{"text":"Thank you so much.","start":2422.59,"end":2423.57,"sentiment":"positive","sentiment_score":0.8153087347745895}],"sentiment":"positive","sentiment_score":0.8153087347745895,"channel":1,"num_words":4,"start":2422.59,"end":2423.57},{"sentences":[{"text":"No problem at all.","start":2423.94,"end":2424.82,"sentiment":"positive","sentiment_score":0.6222969591617584},{"text":"Thank you so much for your time today.","start":2424.82,"end":2426.34,"sentiment":"positive","sentiment_score":0.8419728800654411},{"text":"And anything else that you need, don't hesitate to give me a call.","start":2426.34,"end":2429.807,"sentiment":"positive","sentiment_score":0.39599430102568406}],"sentiment":"positive","sentiment_score":0.5749158716201782,"channel":0,"num_words":25,"start":2423.94,"end":2429.807},{"sentences":[{"text":"Thank you.","start":2429.6301,"end":2430.37,"sentiment":"positive","sentiment_score":0.6278917789459229}],"sentiment":"positive","sentiment_score":0.6278917789459229,"channel":1,"num_words":2,"start":2429.6301,"end":2430.37},{"sentences":[{"text":"No problem.","start":2431.067,"end":2431.627,"sentiment":"positive","sentiment_score":0.34652604162693024},{"text":"We'll speak soon.","start":2431.627,"end":2432.607,"sentiment":"neutral","sentiment_score":0.29959718386332196}],"sentiment":"neutral","sentiment_score":0.3183687269687653,"channel":0,"num_words":5,"start":2431.067,"end":2432.607},{"sentences":[{"text":"Okay.","start":2432.897,"end":2433.217,"sentiment":"neutral","sentiment_score":0.1752987504005432},{"text":"Bye.","start":2433.217,"end":2433.717,"sentiment":"neutral","sentiment_score":0.17082636058330536}],"sentiment":"neutral","sentiment_score":0.17306255549192429,"channel":1,"num_words":2,"start":2432.897,"end":2433.717},{"sentences":[{"text":"Okay.","start":2434.1868,"end":2434.587,"sentiment":"neutral","sentiment_score":0.11937734484672546},{"text":"Bye.","start":2434.587,"end":2435.087,"sentiment":"neutral","sentiment_score":-0.11041343212127686}],"sentiment":"neutral","sentiment_score":0.004481956362724304,"channel":0,"num_words":2,"start":2434.1868,"end":2435.087}]},"summary":{"result":"success","short":"The representative from Oakview Financial explains to the customer that their insurance policy is tailored to their age, occupation, lifestyle, and hobbies, and that their asset performance is also important. The agent recommends swapping their investment portfolio for a similar one and emphasizes the importance of having enough time for ups and downs to return to growth. The speaker also discusses risk and growth of a high growth portfolio, recommends a retirement plan with a weekly income of around $700 per week, and provides information on their insurance coverage and service agreement. The customer is given a service guide and financial services guide version one, and the agent guides them through various documents and provides information on their insurance coverage and service agreement. The speaker also reminds the customer to keep a lookout for their emails and offers to answer any further questions."},"intents":{"segments":[{"text":"I had you booked in for your annual review. Is now still a good time for you?","start_word":17,"end_word":33,"intents":[{"intent":"Schedule annual review","confidence_score":0.055177096}]},{"text":"And just for security purposes, just so I can confirm who I'm speaking with, can I just get you to confirm your full name, Yep. date of birth, and address, please? Yeah.","start_word":74,"end_word":105,"intents":[{"intent":"Confirm identity","confidence_score":0.6392095}]},{"text":"Well, I will try my best not to keep you for too long. But before I do kind of jump in to your interview, I do like to start by asking if there is anything specific you would like me to address today or any particular questions you have or whether it's just a bit of a catch up and see kind of where everything's at? No.","start_word":129,"end_word":195,"intents":[{"intent":"Address questions","confidence_score":0.37219635}]},{"text":"I just wanted to check how the, you know, how the train is whether, you know, the if, I mean, if the super is growing or not. So I haven't checked it for a while, to be honest. Yeah.","start_word":196,"end_word":234,"intents":[{"intent":"Check super status","confidence_score":0.35604504}]},{"text":"It could also end up in spam because we have recently changed the software. No.","start_word":291,"end_word":305,"intents":[{"intent":"Check software configuration","confidence_score":0.00038466448}]},{"text":"to sign it. Yeah? I'll just wanna go through them with you first just to make sure you're happy before I get you to sign anything. Yeah.","start_word":319,"end_word":345,"intents":[{"intent":"Sign documents","confidence_score":0.5498744}]},{"text":"So you have your superannuation with Netwealth. Now you do have about a $111,025 in there. And then you also have some insurances with Neo. So you have life and total permanent disability insurance, and that is covering you for $654,604. Now those are paid from within Netwealth for you, so you don't pay for anything out of pocket. After the Uh-huh.","start_word":410,"end_word":471,"intents":[{"intent":"Order insurance coverage","confidence_score":0.00019612657}]},{"text":"Now are you still happy with the level of cover that you have in place for licensed TPD, or Yes. would you like to make any adjustments?","start_word":484,"end_word":510,"intents":[{"intent":"Adjust coverage amount","confidence_score":0.00021844136}]},{"text":"It is very tailored to you. So it is a bit of a process. So in order to look at income protection or trauma insurance, it what would be required to to get pricing for you because it is very tailored to you based on age, occupation, lifestyle, and hobbies. Mhmm.","start_word":562,"end_word":612,"intents":[{"intent":"Determine price difference","confidence_score":0.000011311515}]},{"text":"From that, I will send it off to all the insurers. They would then let me know what they are offering, and then Mhmm. I could get quotes. So it is quite it's quite hard to tell now because I need all of that information before we could quote depending on what the insurers say.","start_word":643,"end_word":697,"intents":[{"intent":"Find and send information to insurers","confidence_score":0.0000069764014}]},{"text":"Not really, but I just wanted No. to check. Yeah.","start_word":734,"end_word":743,"intents":[{"intent":"Check interest","confidence_score":0.07779781}]},{"text":"to check. Yeah. Yeah. No. I mean, if anything does change down the track and you want to go through the process to have a look, just give me a call, and we can we can definitely have a look at that for you. Yep.","start_word":741,"end_word":785,"intents":[{"intent":"Request review","confidence_score":0.0032002407}]},{"text":"I have open value purchases.","start_word":1062,"end_word":1066,"intents":[{"intent":"Open value purchases","confidence_score":0.29120788}]},{"text":"Now what this one here tells you, it shows you their individual investments. So Yep. it shows you how they have performed.","start_word":1079,"end_word":1100,"intents":[{"intent":"Discuss investment performance","confidence_score":0.025684943}]},{"text":"You don't Uh-huh. want just everything in The US or everything in Europe. You wanna make sure you have a well kind of diversified portfolio. Okay.","start_word":1443,"end_word":1468,"intents":[{"intent":"Provide information","confidence_score":0.14969887}]},{"text":"You wanna make sure you have a well kind of diversified portfolio.","start_word":1455,"end_word":1466,"intents":[{"intent":"Clarify portfolio","confidence_score":0.0013607327}]},{"text":"So we wanted to focus on another Australian investment, but the BetaShares 200, it's it's a little bit cheaper, and it has performed a bit better, which is good.","start_word":1468,"end_word":1496,"intents":[{"intent":"Focus on investment","confidence_score":0.110388584},{"intent":"Share outlook","confidence_score":0.000038318347}]},{"text":"The the way that that one is is that it invests in the 200 largest companies listed Uh-huh. in Australia on the ASX. So Yep.","start_word":1497,"end_word":1521,"intents":[{"intent":"Share information","confidence_score":0.0068782796}]},{"text":"Next document is the index chart. Yes.","start_word":1646,"end_word":1652,"intents":[{"intent":"Include in index chart","confidence_score":0.0033782485}]},{"text":"Now from this here, you can see that when we are looking long term, market always goes up. All the asset classes goes up. But short term, you can see that depending on what is going on in the world, there will be some ups and downs and market fluctuations. Yeah.","start_word":1748,"end_word":1798,"intents":[{"intent":"Explain market fluctuations","confidence_score":0.052491218}]},{"text":"So when we are looking at a high growth portfolio, we would like to typically see at least eight years till retirement to making sure that you have enough time for those fluctuations to come back around and continue to grow. So Uh-huh.","start_word":2197,"end_word":2239,"intents":[{"intent":"Assess portfolio growth","confidence_score":0.009329268}]},{"text":"And when it comes to superannuation, otherwise, I do have here that, ideally, you would like to retire and start drawing an income from your super at the age of 65. Is Yeah.","start_word":3054,"end_word":3086,"intents":[{"intent":"Calculate retirement income","confidence_score":0.08392204}]},{"text":"So even if you do sign it, it's not like you are locked in for a certain Mhmm. amount of amount of time. But every year, it is a requirement that we get a new ongoing service agreement so that we can continue with Netwealth's management investments and do all of that for you. No. Yep.","start_word":3909,"end_word":3964,"intents":[{"intent":"Request sign-up","confidence_score":0.0037184888}]},{"text":"Does that make sense? Yeah. Yeah.","start_word":3988,"end_word":3993,"intents":[{"intent":"Confirm identity","confidence_score":0.035394054}]},{"text":"And do you have one last doc last page there where it says tax file number? Do I need to sign here? Alright.","start_word":3996,"end_word":4018,"intents":[{"intent":"Inquire about doc number","confidence_score":0.00003327116}]},{"text":"If you're happy to do so, it will ask you a signature date. Okay.","start_word":4025,"end_word":4038,"intents":[{"intent":"Confirm signature","confidence_score":0.15840475},{"intent":"Confirm signature","confidence_score":0.2734226}]},{"text":"And then once you've added the signature, it should say validate, I believe. Yeah.","start_word":4108,"end_word":4121,"intents":[{"intent":"Provide validation","confidence_score":0.014105462}]},{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct?","start_word":4247,"end_word":4268,"intents":[{"intent":"Verify personal information","confidence_score":0.009272364}]},{"text":"And your income at the moment on a yearly basis if you have that? Would be around 60,000.","start_word":4599,"end_word":4616,"intents":[{"intent":"Assess income options","confidence_score":0.0031236943}]},{"text":"But the thing is, you know, the the funny thing is the house price goes up. But if you sell this, you Yeah.","start_word":4979,"end_word":5001,"intents":[{"intent":"Inquire about house price rise","confidence_score":0.000012516596},{"intent":"Check property value","confidence_score":0.0010926224}]},{"text":"in terms of money, it looks good. But Yes.","start_word":5055,"end_word":5063,"intents":[{"intent":"Provide information on cash market","confidence_score":3.504738e-8},{"intent":"Check cash balance","confidence_score":0.0000012076703}]},{"text":"Now your mortgage, I have here that last time, it was around 357,000. I think it's still around there. Still around that the same? Yep.","start_word":5129,"end_word":5153,"intents":[{"intent":"Specify mortgage eligibility","confidence_score":6.6950645e-7}]},{"text":"Do you have any other assets, any other motorbikes or I boats don't. or savings No. in the bank or anything? Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, ZipPay aside from, No. like, the mortgage?","start_word":5267,"end_word":5308,"intents":[{"intent":"Clarify assets","confidence_score":0.007274677}]},{"text":"you remember receiving those forms in the post at all?","start_word":5546,"end_word":5555,"intents":[{"intent":"Send forms","confidence_score":0.034959674}]},{"text":"Now do you have access to a printer, or do you prefer postage?","start_word":5658,"end_word":5670,"intents":[{"intent":"Confirming access to printer","confidence_score":0.00095637847}]},{"text":"that I can get the team to email them to you. That way, you have it in your inbox as well Yeah.","start_word":5708,"end_word":5729,"intents":[{"intent":"Proposing emailing","confidence_score":0.0061563132},{"intent":"Requesting team communication","confidence_score":0.0020041408}]},{"text":"Now do you have any idea of who you would like to nominate? Because Pardon?","start_word":5792,"end_word":5806,"intents":[{"intent":"Inquiring about nominee nominee criteria","confidence_score":0.000047001886}]},{"text":"but there are different tax consequences for children. So, for example, if you were to give it to your spouse, Yeah. it will be a 100% tax free. Yes.","start_word":5869,"end_word":5897,"intents":[{"intent":"Offering tax deductions","confidence_score":0.0004884183},{"intent":"Providing tax deduction","confidence_score":0.009345321},{"intent":"Providing tax information","confidence_score":0.00060801365}]},{"text":"So is your oldest starting at the moment? Yeah. He will yeah.","start_word":5997,"end_word":6008,"intents":[{"intent":"Confirming age","confidence_score":0.048494317}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.24961207807064056},{"text":"Good.","start_word":11,"end_word":11,"sentiment":"positive","sentiment_score":0.40242576599121094},{"text":"How are you?","start_word":12,"end_word":14,"sentiment":"neutral","sentiment_score":0.26935312151908875},{"text":"Good. Thanks. I had you booked in for your annual review. Is now still a good time for you? Yeah. That's perfect. Yes. Perfect.","start_word":15,"end_word":38,"sentiment":"positive","sentiment_score":0.4762544631958008},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yeah. That's fine.","start_word":39,"end_word":72,"sentiment":"neutral","sentiment_score":0.09815783053636552},{"text":"Perfect.","start_word":73,"end_word":73,"sentiment":"positive","sentiment_score":0.3684382438659668},{"text":"And just for security purposes, just so I can confirm who I'm speaking with, can I just get you to confirm your full name, Yep. date of birth, and address, please? Yeah. Pawan, Raghubar, 0601819 Sensing On Boulevard in bicep. Yep.","start_word":74,"end_word":114,"sentiment":"neutral","sentiment_score":0.07417742162942886},{"text":"Beautiful.","start_word":115,"end_word":115,"sentiment":"positive","sentiment_score":0.4479704201221466},{"text":"And how's your morning been? Been busy? Yeah. Yes. It's a lot happening. Well, I will try my best not to keep you for too long. But before I do kind of jump in to your interview, I do like to start by asking if there is anything specific you would like me to address today or any particular questions you have or whether it's just a bit of a catch up and see kind of where everything's at? No. I just wanted to check how the, you know, how the train is whether, you know, the if, I mean, if the super is growing or not. So I haven't checked it for a while, to be honest. Yeah. No. That's okay. So we'll definitely go through where your super is at and your investments in a bit more detail as well. So what I have done actually is I have just sent you an email with some documents. Now do you have access to your emails at the moment? Just one moment. Yep. Sure.","start_word":116,"end_word":290,"sentiment":"neutral","sentiment_score":-0.02867088094353676},{"text":"It could also end up in spam because we have recently changed the software.","start_word":291,"end_word":304,"sentiment":"negative","sentiment_score":-0.4110264182090759},{"text":"No. No. I I I have it. Yeah. What Oh, I just need okay. to sign it. Yeah? I'll just wanna go through them with you first just to make sure you're happy before I get you to sign anything. Yeah. Yeah. Now to make it easier for you, if you can let me know the order that you see the documents, we can go through it that way. I think it's the summary of superannuation and insurance. Okay. Yep.","start_word":305,"end_word":384,"sentiment":"neutral","sentiment_score":0.04559911098331213},{"text":"Perfect.","start_word":385,"end_word":385,"sentiment":"positive","sentiment_score":0.5313555002212524},{"text":"So let me just open that one. Now this one here gives you a bit of a breakdown of your current super and insurances. So you have your superannuation with Netwealth. Now you do have about a $111,025 in there. And then you also have some insurances with Neo. So you have life and total permanent disability insurance, and that is covering you for $654,604. Now those are paid from within Netwealth for you, so you don't pay for anything out of pocket. After the Uh-huh. tax rebate, the total premium for both of those is 1,694. Yes. Now are you still happy with the level of cover that you have in place for licensed TPD, or Yes. would you like to make any adjustments?","start_word":386,"end_word":510,"sentiment":"neutral","sentiment_score":0.1436833292245865},{"text":"So that's all good.","start_word":511,"end_word":514,"sentiment":"positive","sentiment_score":0.3762715756893158},{"text":"No. That's That's good.","start_word":515,"end_word":518,"sentiment":"neutral","sentiment_score":0.14380274713039398},{"text":"Perfect.","start_word":519,"end_word":519,"sentiment":"positive","sentiment_score":0.3977237343788147},{"text":"And with insurances as well, I can see here that you don't have income protection or trauma insurance. You're still happy to not have those two? fine. Yep. Yep.","start_word":520,"end_word":548,"sentiment":"neutral","sentiment_score":0.00816330499947071},{"text":"Beautiful.","start_word":549,"end_word":549,"sentiment":"positive","sentiment_score":0.3773517906665802},{"text":"How how much extra it is? How much extra it is? Mhmm. It is very tailored to you. So it is a bit of a process. So in order to look at income protection or trauma insurance, it what would be required to to get pricing for you because it is very tailored to you based on age, occupation, lifestyle, and hobbies. Mhmm. So it would be a matter of going through a bit of an extensive background, and that would go go more into your your medical, your hobbies, family situation, lifestyle. From that, I will send it off to all the insurers. They would then let me know what they are offering, and then Mhmm. I could get quotes. So it is quite it's quite hard to tell now because I need all of that information before we could quote depending on what the insurers say. Now Oh, typically okay. speaking, income protection is the most expensive when it comes to the three Mhmm. because it is giving you that monthly income replacement. But is that something that you are interested in? Not really, but I just wanted No. to check. Yeah. Yeah. No. I mean, if anything does change down the track and you want to go through the process to have a look, just give me a call, and we can we can definitely have a look at that for you. Yep. Yep.","start_word":550,"end_word":786,"sentiment":"neutral","sentiment_score":0.0000415130003595151},{"text":"Perfect.","start_word":787,"end_word":787,"sentiment":"positive","sentiment_score":0.37785547971725464},{"text":"Now what is the next document you can see there? Oops. I think that's all. Hold on. Can I you just scroll? had this I only had signed the document form. That's it. Okay. Let me have a look. So could you only Oh, yeah. see Yeah. that Yeah. to Yeah. Yeah. I yeah. I have you can the see? asset perform the asset performance. Yes. Yes.","start_word":788,"end_word":854,"sentiment":"neutral","sentiment_score":0.02519586868584156},{"text":"Beautiful.","start_word":855,"end_word":855,"sentiment":"positive","sentiment_score":0.4277392029762268},{"text":"Now if you can open that one for me. Now that Yeah. shows you then how all your investments and everything has has happened in the last twelve months. It does give us a good overview over the last twelve months. Now Uh-huh. you probably would have had in the market and or on the news and everything and obviously know as well that the last twelve months, we've seen quite a mixed performance. Yep. Obviously, you'd have everything going on in The US. So, obviously, with Uh-huh. transit tariffs and everything, there's a bit of fluctuation. And, obviously, more recently with the war as well. So we've seen pretty concentrated performance in different international markets and defensive assets, and some of the Australian equities have faced a little bit more challenging conditions. But, essentially, if you are on this document now if you want to look at the second column to the right where it says return. Can you see where I'm looking at? So Sir. second column through the right at the top, it Hold should have return and then a percentage. on. Which one are we looking at? The performance detail. Yes. Yeah? Yes. Correct. Yeah. So I have asset. I have code. I have open value purchases. Yep. Sales. Oh, yeah. Yeah. Yeah. Yeah. Yes. Yeah. Yeah. Yep.","start_word":856,"end_word":1077,"sentiment":"neutral","sentiment_score":-0.0012660771922988665},{"text":"Beautiful.","start_word":1078,"end_word":1078,"sentiment":"positive","sentiment_score":0.6727284789085388},{"text":"Now what this one here tells you, it shows you their individual investments. So Yep. it shows you how they have performed.","start_word":1079,"end_word":1100,"sentiment":"neutral","sentiment_score":0.22345227003097537},{"text":"Now you can see here that overall, most of your investments have done pretty good considering what's going on in in the market, which is fantastic.","start_word":1101,"end_word":1126,"sentiment":"positive","sentiment_score":0.5828831195831299},{"text":"Now there is one investment that you can see here that was underperforming, which was Mhmm. down, which was your Benelong Australian Equity Fund. Now did you get an email it was around the March 13. I think there was one. Yeah. Yes. So what that email was, just for your reference, it wasn't anything you had to sign, but it was to let you know of this investment change. Because Yes. what we do continuously is obviously doing research on your investment. And sometimes there are just a bit of a shift in the market depending on what's going on. So if it's a bit of a trend at the moment and we foresee the investment coming back around, then you don't always want to sell when things are are down because you can obviously the the market up goes up and down, and that's just Yep. kind of what happens. But if we do a lot of research on an investment and we foresee them kind of underperforming a little bit, being a little bit slower in making the choices, we then want to be proactive in swapping things out for you. So we've looked a lot at the Bennelong investment, and it was underperforming more recently, which you can see here as well. They were a little bit slower in making investment choices. So we made the decision after doing research that there was another a better alternative option for you that we could swap it for. So we have already gone ahead and made that change for you, which is good, and that is swapping then along for another investment, which is called the BetaShares Australia two hundred. So while we are removing one Australian investment, we wanted to swap it with something similar as well because Uh-huh. we do wanna make sure that all of your portfolio is very diversified. You don't Uh-huh. want just everything in The US or everything in Europe. You wanna make sure you have a well kind of diversified portfolio. Okay.","start_word":1127,"end_word":1467,"sentiment":"neutral","sentiment_score":-0.0165029568392838},{"text":"So we wanted to focus on another Australian investment, but the BetaShares 200, it's it's a little bit cheaper, and it has performed a bit better, which is good.","start_word":1468,"end_word":1496,"sentiment":"positive","sentiment_score":0.40954825282096863},{"text":"The the way that that one is is that it invests in the 200 largest companies listed Uh-huh. in Australia on the ASX. So Yep. you'll have all the big banks and Woolworths and, you know, all all of the big companies. So it is very diversified because we invest in 200 companies. So Uh-huh.","start_word":1497,"end_word":1551,"sentiment":"neutral","sentiment_score":0.2793937921524048},{"text":"we have already gone ahead and made that switch for you.","start_word":1552,"end_word":1562,"sentiment":"positive","sentiment_score":0.4305504560470581},{"text":"So you can see that the other investments have done pretty good, and that was one that was underperforming, which we've already switched out for you. Does that make sense? Yep. Yep.","start_word":1563,"end_word":1594,"sentiment":"neutral","sentiment_score":0.20134225487709043},{"text":"Perfect.","start_word":1595,"end_word":1595,"sentiment":"positive","sentiment_score":0.36064815521240234},{"text":"Do you have any questions in regards to that? No. No. Beautiful. Now what is the next attachment that you can see on your end? Pardon? What is the next document that you can see there? Sorry. Sorry. Say that again. You just cut out a little bit for me. Next document is the index chart. Yes. Can you open that one for me? Yep. Yep. Perfect. Now you probably have seen something similar to this before, but it is good. And Vanguard does publish this every year, so it's always kind of keeping up to date. So to do it at each financial year, so soon we'll have an updated version. But, essentially, the reason we do include it is because it does give us a good visual representation of Uh-huh. the market. And Yep. it does make it a little bit easier to see, like, a bigger picture as well. Now from this here, you can see that when we are looking long term, market always goes up. All the asset classes goes up. But short term, you can see that depending on what is going on in the world, there will be some ups and downs and market fluctuations. Yeah. Now how your money is currently invested as well is that we have you in a high growth portfolio. Yep. Do you remember what a high growth investor is at all? No. No. That's okay. Now, basically, it tells me that you are looking Yep. at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until retirement and that you are comfortable seeing a bit of short term fluctuations to your investment in order to try to grow your super long term. Now Uh-huh. when we are also then looking at how your money is invested in a high growth portfolio, we typically see 90% invested in what we would call your growth assets. Now Uh-huh. on the chart here in front of you, you can see that your growth investments are made up of the top four. So the top four lines, so you have your US shares, which is your your light green. You have your Australian shares, which is kind of like your darker green line. You also have international shares, which is like your yellow line, and then property as well as well, which is that kind of maroon color. Can you see kind of where where I'm at? Yeah. Yeah. Yep.","start_word":1596,"end_word":2014,"sentiment":"neutral","sentiment_score":0.13220836015902726},{"text":"Beautiful. So this is where you do have about 90% at the moment.","start_word":2015,"end_word":2027,"sentiment":"positive","sentiment_score":0.3832351267337799},{"text":"And these are the ones that you can see grow the most when we are looking at a longer period of time, but they also fluctuate in the short term. You do have 10% in a high growth than in your defensive. So that's like your bottom three. So you'll have your cash, fixed interest, and then typically gold can factor into this as well. And the purpose is to tryna level things out and smooth it out a little bit. Because you can see that they don't grow near as much, but they're Yeah. a little bit more steady when it comes to how they're growing. So we wanna Uh-huh. have some element of that to your portfolio, Yeah. limit those fluctuations a little bit. Now when we are then also thinking about a time frame, because we wanna make sure as well that aside from you being comfortable with short term fluctuation, that you also have enough time for these ups and downs to come back around. So when we are looking at a high growth portfolio, we would like to typically see at least eight years till retirement to making sure that you have enough time for those fluctuations to come back around and continue to grow. So Uh-huh. from a time frame point of view, you definitely have more than eight years until retirement. So from that time frame, you are in a well positioned being in a high growth portfolio. But are you still comfortable with, like, the level of risk and fluctuation with a high growth portfolio? Well, last the very first time they gave me a work figure, but I'm not too sure what it was. They did give me so say if I retire in the next ten no. No. Ten. Fifteen no. Twenty years maybe. Yes? How much I'm looking up? How much I would have in super? Yes. So what we can do is I can do after the call or probably early next week, I can send you an email with a bit of an updated projection for you if you would like because there's quite a bit of math and calculation that goes into it. Mhmm. Okay. But I can I can get that drawn up and working on the numbers for you and then send it to you in an email if you'll be happy with that? And that gives Yeah. you I can do five and ten years if you would like just to kind of show you the way that things are tracking. Mhmm. Yeah. Longer than that as well, there is so much that can change. Yeah. So, typically So you you you give me a projection in ten years. yes. I can do Yeah. five and ten years and email that to you to kind of show you where you are on track for at the moment. Okay. Yeah. Yeah. Would that be helpful? Yeah.","start_word":2028,"end_word":2519,"sentiment":"neutral","sentiment_score":0.11287042553105003},{"text":"Perfect. Yep. Great.","start_word":2520,"end_word":2522,"sentiment":"positive","sentiment_score":0.52647465467453},{"text":"And for the time being, otherwise, you are happy with, like, your high growth portfolio in terms of how your money is invested, like the level of risk and stuff? I mean, look, the thing is I didn't go very that's why, you know, that's why we have financial advisers there. Yes. Yep. What what what would you recommend? Because for me, when I switched, the first Yep.","start_word":2523,"end_word":2590,"sentiment":"neutral","sentiment_score":0.14483942091464996},{"text":"year, the growth was great.","start_word":2591,"end_word":2595,"sentiment":"positive","sentiment_score":0.55491042137146},{"text":"You know? Yes. And I just stayed Yep. there, you Yeah. know. But I I don't I mean, if I don't actually follow the market trend and stuff like that. Yep. So Yep. I I wish I could, but I don't. That's why, you know, Yep. Yep. it's it's in your hand. But what what you guys Yep. reckon would be the So from a risk profile point of view, best it is also dependent now a lot of clients similar to yourself, we see in a high growth portfolio because Uh-huh. you have a lot of time. Yeah. So you have time for those fluctuations. So, yes, some years will be really good, other years not so good Okay. because you do have those fluctuations. And that is just the nature of the market. But Mhmm. when we are then looking at a longer period of time, so a longer time frame, you will see that it's typically performing a lot better than your defensive portfolio. If you're defensive, you will have a little bit smoother. Each year is kind of maybe average, not Mhmm. as good, but then you also don't have the the the lows. But long term, you're not gonna see it grow as much. So from a from a time frame, typically, like I said, I do have most clients in a high growth portfolio similar to yourself. Okay. What also plays in role is also what you are comfortable with. Because Alright. aside from time, it is also your behavior in regards to feeling it. Because at the same time, I have some clients who are 70 who wants max risk, and they're comfortable with it. And I have others who are very defensive. I have Uh-huh. some 20 year old who's like, no. I don't feel comfortable with with any fluctuations, and they're super conservative. They are more kind of unique. Typically, as long as you kind of understand that things will fluctuate on the short term as long as it Mhmm. will continue in the long term through to give you those returns. Okay. Short term, there will be some of those fluctuations.","start_word":2596,"end_word":2956,"sentiment":"neutral","sentiment_score":0.037092746862331584},{"text":"So from a time frame, like I said, you are in a good position with a high growth portfolio as long as you do feel comfortable with those short term fluctuations. As long as long term, it will continue to grow.","start_word":2957,"end_word":2997,"sentiment":"positive","sentiment_score":0.48825201392173767},{"text":"Uh-huh. Does Okay. that make sense? Yeah. Yeah. Yep. Yep. But what I will do, like I said for you anyway, as I will do a bit of an updated projection, so that you can see how how things are tracking and going for you with the investments and stuff like that as well. Yep.","start_word":2998,"end_word":3052,"sentiment":"neutral","sentiment_score":0.21611173450946808},{"text":"Perfect.","start_word":3053,"end_word":3053,"sentiment":"positive","sentiment_score":0.5597774982452393},{"text":"And when it comes to superannuation, otherwise, I do have here that, ideally, you would like to retire and start drawing an income from your super at the age of 65. Is Yeah. that still kind of the plan, Not do you think? there if I if I leave that long. Yeah. Hopefully. And income wise, I have here that you would like to draw a weekly income of about $700 per week to to kind of cover bills and expenses and everything. Do you still think that would be achievable, or do you think you need to draw a little bit more potentially? Yeah. We need more, maybe. Yeah? 12 to 1,500, I would say. Yeah.","start_word":3054,"end_word":3170,"sentiment":"neutral","sentiment_score":0.11969354003667831},{"text":"Perfect. I'll just put it about 1,500 for you, especially with living living expenses and everything. Most people do say between 1,000 and 2,000, so 1,500 is pretty spot on what most people would say they need for retirement.","start_word":3171,"end_word":3209,"sentiment":"positive","sentiment_score":0.36903151869773865},{"text":"Uh-huh. And most of the time for retirement, so people's goals are to make sure you have your property, like, paid off. So, ideally, maybe not have a mortgage or much debt, And then Yeah. it's just a matter of, you know, covering living expenses or travel or anything like that as well. Uh-huh. Now what is the next document that you can see there for me? Just one sec. Yep. Next look, we've got production plan. Yes. So that one there, it basically just breaks down your insurances in more detail. So you don't have to open it now, but, basically, it shows you, yeah, your insurances in more detail, Yep. but just lets you know that's all paid and up to date, essentially. Mhmm. Yep. And what's the next one for me? And the service says guide. Yes.","start_word":3210,"end_word":3349,"sentiment":"neutral","sentiment_score":0.15996301464204277},{"text":"Perfect.","start_word":3350,"end_word":3350,"sentiment":"positive","sentiment_score":0.38158729672431946},{"text":"Mhmm. So you have a services guide version one, and then you also have a financial services guide version two. Do you have that one as well? Yeah. Yep. Perfect. But, essentially, if you want to click on the service guide for me, version one, the the version four is just like a bit of a shorter summary of it. But Mhmm. if you can click on the one the the version one document. Now you would have seen something like this before. It is one of those compliance documents, but it does give you all the important information in regards to Oakview for you. And it does show you all the team, our directors, our advisers, and everything there for you, so none of the important information has changed. But we've Yep.","start_word":3351,"end_word":3483,"sentiment":"neutral","sentiment_score":0.1695440262556076},{"text":"had a bit of an extension to the team, which is good, and also done a bit of updated marketing.","start_word":3484,"end_word":3503,"sentiment":"positive","sentiment_score":0.3677271604537964},{"text":"Now as you scroll through this one, if you scroll down to page 10, I believe, Yep. can can you see where it says meet our experienced team? And you will Yep. have yep. So you will actually see then myself there. If you do wanna put a face to the voice, and I am next to Dana. Are you on that page, Hold on. or who who can you see? No. No.","start_word":3504,"end_word":3576,"sentiment":"neutral","sentiment_score":0.11465336402801618},{"text":"No. I can.","start_word":3577,"end_word":3579,"sentiment":"negative","sentiment_score":-0.3692775368690491},{"text":"I can. I just did something. I need just oh, yeah. You are with Donna Taylor. Yeah? Yeah. I'm I'm next to Dana. I'm Veronica. Yeah. Yeah. Yeah. Yeah. Yes. Mhmm. Yeah. Yeah.","start_word":3580,"end_word":3612,"sentiment":"neutral","sentiment_score":0.019926708191633224},{"text":"Sometimes it is nice to put a face to the voice, you know, if we're doing things over the phone, and so that you actually know who you're talking to.","start_word":3613,"end_word":3642,"sentiment":"positive","sentiment_score":0.3715625703334808},{"text":"Yeah. Yeah.","start_word":3643,"end_word":3644,"sentiment":"neutral","sentiment_score":0.2551216185092926},{"text":"But, yeah, all that information is in there for you.","start_word":3645,"end_word":3654,"sentiment":"positive","sentiment_score":0.3430331349372864},{"text":"Now Mhmm. is the next one you can see the one where it asked you to sign? Your your next document after that, what does that look like? Just one moment. I don't see oh, yeah. That's the Netwealth Comets. Fecan? Yes. Yeah. Yeah.","start_word":3655,"end_word":3698,"sentiment":"neutral","sentiment_score":0.024846939370036125},{"text":"Perfect.","start_word":3699,"end_word":3699,"sentiment":"positive","sentiment_score":0.4833325743675232},{"text":"So that one here, that is your ongoing service agreement. Now that one here is if you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. So that stays Mhmm. exactly the same at 1.65 from Super, so no changes in regards to the fee, and it is not a locking contract. So if at any point in time you are not happy, it is not a locking contract.","start_word":3700,"end_word":3779,"sentiment":"neutral","sentiment_score":0.1352122724056244},{"text":"But, essentially, by signing this one, it allows you to remain a client and ask to continue to manage your account and everything for you in the meantime.","start_word":3780,"end_word":3807,"sentiment":"positive","sentiment_score":0.3376834988594055},{"text":"And then every annual review, it is something that you have to agree and sign again. We can't just keep charging fees otherwise. Does that make sense? Mhmm. Now can you repeat that last part Yes. about the locking contrast? Yeah. It is not a lock in contract. So let's say you, you know, sign the ongoing service agreement, and then let's say in a month's time, you move overseas, or you decide that, you know what, you are not happy with the services, there there's no lock in. There's no exit fees. You can cancel whenever you want to. So even if you do sign it, it's not like you are locked in for a certain Mhmm. amount of amount of time. But every year, it is a requirement that we get a new ongoing service agreement so that we can continue with Netwealth's management investments and do all of that for you. No. Yep. But it is not like a it's it's not like you locked in for a certain amount of time at all. Uh-huh. Yep. Yep. Does that make sense? Yeah. Yeah. Yep.","start_word":3808,"end_word":3994,"sentiment":"neutral","sentiment_score":0.024840163186511253},{"text":"Perfect.","start_word":3995,"end_word":3995,"sentiment":"positive","sentiment_score":0.5624886155128479},{"text":"And do you have one last doc last page there where it says tax file number? Do I need to sign here? Alright. So she Yes, made please. Yep. If you're happy to do so, it will ask you a signature date. Okay. My first name is Yep. yeah. I have the option to provide tax file number. Yeah? Yes.","start_word":3996,"end_word":4055,"sentiment":"neutral","sentiment_score":0.17678238451480863},{"text":"So that is just a compliance form for you, and that is just to say that we are keeping your tax file number secure and safe on the file.","start_word":4056,"end_word":4084,"sentiment":"positive","sentiment_score":0.40852421522140503},{"text":"Mhmm. So that one does need a little signature and date as well, and those are the only two that need signing. Yep. And then once you've added the signature, it should say validate, I believe. Yeah. And then once you press validate, it should load a little bit and then send it back to me, and then I can get all those forms uploaded and sorted for you. And then just speaking a lot? Yep. No. That's okay. And while it does load, I do wanna just run through just a bit of an updated fact find with you as well just to see if there is anything major that has changed in in your life, if we do need to make any changes to your advice otherwise. So just bear with me as I go through these couple of questions.","start_word":4085,"end_word":4226,"sentiment":"neutral","sentiment_score":0.136439248919487},{"text":"And I can see here that those documents have just come through, which is fantastic, so thank you for that.","start_word":4227,"end_word":4246,"sentiment":"positive","sentiment_score":0.6238895058631897},{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Now will be two. I have one son, but he just turned 18. 19. Yep. Okay. Yeah. 19. Perfect. So two, that's financial dependent, and then one that's a little bit older. Mhmm. Mhmm. Yeah. Yep. Perfect. Now next option, so if for some reason we cannot get in touch with you, I have here a Kristel nominated. Yep. Yep. Perfect. But I don't have a phone number. 0 Do you have a contact? Yep. Perfect. 0452. zero four five two Yes. 335 Three three five. Yep. 386. 386.","start_word":4247,"end_word":4357,"sentiment":"neutral","sentiment_score":0.04491071097619899},{"text":"Beautiful. Thank you so much.","start_word":4358,"end_word":4362,"sentiment":"positive","sentiment_score":0.5816634297370911},{"text":"Now employment wise, are you still kind of working at the the cafe, like, self employed at the cafe, or has anything changed with your employment? I work at the hospital now. Oh, the hospital? And what do Yeah. you do there? Clerk? Oh, yes. Perfect. And is that a 100%, Yes. like, admin based? Yep. Perfect. And working full time? Part time. Part time. And how many hours would you do roughly Fifty a week or fortnight? around no. No. In a fortnight, around fifty six hours. Fifty six hours per fortnight. Mhmm. Perfect. And when did you start there? A It's nearly sober here now. year. Perfect. And do you like it? Yeah. Yeah. That's good. And what hospital is it at? Am I there? Armadale? Okay. Perfect. And do you know if do you have any, like, enterprise bargain agreement agreement, or do you get any additional benefits, like, to super or salary packaging or anything like that as part of the agreement at the hospital? Yes. You get salary packaging. Yeah. And do you know what's entailed in that? You can do your mortgage. It depends. You have you have all sorts of options. You Okay. can do Are your you hex. You can do your daily expense. You can do your car. Yes. Yeah. Yep. Perfect. They usually have pretty good deals Very good. when you Yeah. do work. Yeah. And your income at the moment on a yearly basis if you have that? Would be around 60,000. Because it About fluctuates. 6 You can tell me for a time. You know? yeah. So if you do, depending on how many hours and stuff you do, Yep. it will fluctuate Yeah. a little bit. But I Yep. would say Perfect. I would say around the 50 to 60 something. Alright. Around 50 to 60. Now do they pay you the standard contributions into super at 12%, or I think do you they just pay you any more? I think it is I think it's I'm not too sure. To be honest, I never checked the percentage, but I know it's about 10 for sure. Yeah. Because now the minimum that they are required to do is 12%, but most employers does do 12. Some government jobs do a little bit more. Definitely. Then they should be doing more for what we do there. Maybe. I can I can have a look at it and see if I can find it? So Mhmm. Armadale Hospital, sometimes it is just a standard 12, but I'll have a little look at it. Because as well, when I do the updated projection and email that through to you, that will also then impact your income and Mhmm. Okay. contributions. Yeah. So what I can do, would you like me to to base on 50,000 or 60,000? What do you think is more realistic for you? $50.65. Six 55? Yeah. So somewhere in the middle? Yeah. Alright. So 55. And I will triple check those contributions for you just to make sure we have that correct. And I'll include that in the projections to show you as well as the insurances and everything so that you can see. And are you salary sacrificing anything else into super or just from your employer that gets contributed Yes. Just into just super? my employer. Yep. No. Beautiful. And when it comes to assets, so I have here that you have a property Yep. and loss that was valued at about 500,000. It's around 900 now.","start_word":4363,"end_word":4955,"sentiment":"neutral","sentiment_score":0.023118256611677285},{"text":"Oh, beautiful. That's a nice little increase.","start_word":4956,"end_word":4962,"sentiment":"positive","sentiment_score":0.5420826077461243},{"text":"Yep. Well, especially over in, yeah, WA. Seeing a bit of that crazy Yeah. housing. No. But the thing is, you know, the the funny thing is the house price goes up. But if you sell this, you Yeah. will never get a house similar. You know? So so so nothing basically has changed. Because if you Yeah. see, you buy a house. You sell a house like this. Yep. You will go and buy another house. You put another million on your head. You know? So Yes. it just looks Yes. in terms of money, it looks good. But Yes. at the end of the day, nothing has Yeah. changed. It's Yes. just here. You've made some equity, got some equity. Yeah. That's it. Yeah. Yeah. You got equity in the house, but if you wanted to upgrade, yes, Yeah. you Yeah. get more You for your yeah. property. Then then you are stopped. But Yeah. but something Yeah. else is also more expensive. Yeah. Now your mortgage, I have here that last time, it was around 357,000. I think it's still around there. Still around that the same? Yep. Yeah. Perfect. Yeah. And do you also have two motor vehicles valued at about 30,000? Yeah. Now it would be over 100, I think. Over a 100? Perfect. And Yeah. still two of them or more? No. One, two, three. Three? Okay. So three No. cars. Sorry. Four. Four. Four? Okay. Yeah. And do you have anything owing on any of the motor vehicles? One is being I do it through salary we sacrifice. So that would be a a good 60,000 probably on there. Yeah. Okay. Perfect. So the cellular packaging, about 60 if you were to pay it. And the others are all paid off? All paid off. Yeah. Okay. Perfect. Do you have any other assets, any other motorbikes or I boats don't. or savings No. in the bank or anything? Nope. Perfect. And do you have any other liabilities, like personal loans, credit cards, ZipPay aside from, No. like, the mortgage? Not really. No? I don't think Alright. so. Alright.","start_word":4963,"end_word":5317,"sentiment":"neutral","sentiment_score":0.0028719776139502795},{"text":"Perfect.","start_word":5318,"end_word":5318,"sentiment":"positive","sentiment_score":0.669126570224762},{"text":"And when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that correct? Yep. Yep.","start_word":5319,"end_word":5339,"sentiment":"neutral","sentiment_score":0.18693163990974423},{"text":"Perfect.","start_word":5340,"end_word":5340,"sentiment":"positive","sentiment_score":0.4330688714981079},{"text":"And have you had any significant health issues or injuries or anything in the last twelve months? No. Actually, I just, No. yeah, like, signs of diabetes and stuff. So but Yeah. But nothing kind of that's preventing you from working or or any any No. other Nothing. medication. No. No. Okay. And do you have private health insurance? Yeah. But just the extras, not hospital. Just yep. Okay. And when it comes to estate planning, do you have a will or power of attorney in place? Not yet. We should No. get On that the done. to do yeah. On the to do list. Hold on. Sorry. No. That's okay. What kind of dogs do you have? I have gold gold and retrievers.","start_word":5341,"end_word":5464,"sentiment":"neutral","sentiment_score":-0.048771750181913376},{"text":"Oh, beautiful.","start_word":5465,"end_word":5466,"sentiment":"positive","sentiment_score":0.36225777864456177},{"text":"I have a Labrador, so I know I know the feeling. Now do you have anyone who makes any financial decisions on your behalf? Only my wife if Yep. yeah. If needed. No. That's Otherwise, I do myself. Yeah. yeah. And when it comes to your super as well and for your insurances, now I can see here that we do not have a nomination on file for you if something were to happen to you. So do Yeah. you remember receiving those forms in the post at all? I think I filled it up and sent it. That was a while ago. Let me have a look because I can see here that it doesn't look like we received them. That sometimes especially from WA, so post can be a bit slower. But if it was how How long long ago ago was do that? you think? Because we can't see it coming back. So we send them to you. It was a little while ago, quite a while ago. I'm not too sure. Maybe if you could send it again, if that's Yeah. Of okay. course. Yes. Perfect. Now do you have access to a printer, or do you prefer postage? I know I I have access to printer. Yeah. Okay. Because what I can do to make it easier, especially if post does take a while and just so you Yeah. don't have to redo it, is Yeah.","start_word":5467,"end_word":5707,"sentiment":"neutral","sentiment_score":0.02384764795419586},{"text":"that I can get the team to email them to you. That way, you have it in your inbox as well Yeah.","start_word":5708,"end_word":5729,"sentiment":"positive","sentiment_score":0.40692609548568726},{"text":"Yeah.","start_word":5730,"end_word":5730,"sentiment":"neutral","sentiment_score":0.3259059488773346},{"text":"as a little a little prompt. You just have to because you are making a legal nomination, you just have to print it, sign it, get it witnessed, and then send Yep. it back. That Yep. way, it's in an email as well, and it won't get lost in the post.","start_word":5731,"end_word":5781,"sentiment":"positive","sentiment_score":0.41967159509658813},{"text":"Yep.","start_word":5782,"end_word":5782,"sentiment":"neutral","sentiment_score":0.29333457350730896},{"text":"So I will get the team to email that.","start_word":5783,"end_word":5791,"sentiment":"positive","sentiment_score":0.3479803204536438},{"text":"Now do you have any idea of who you would like to nominate? Because Pardon? there are different do you have any idea of who you would like to put down as a nominee? Because there are different rules and tax depending on who you want to nominate. Do you know who wants It has to to receive be it? it has Yes. to be an adult. Yeah? It no. It can be children as well, Yeah. but there are different tax consequences for children. So, for example, if you were to give it to your spouse, Yeah. it will be a 100% tax free. Yes. So she would then receive everything tax free, and then, obviously, she can decide how the money will be split depending on what your agreement is. Uh-huh. Now when it comes to children, you can still give a portion to them, Yeah. But children over so children under 18, they don't have to pay tax. Children over 18, unless they are disabled, studying at uni, or in a, like, relying financially on yourself, they can pay tax of up to 32% Mhmm. But if on they what they they are studying, receive. they don't have to. Yeah? Correct. Yep. So is your oldest starting at the moment? Yeah. He will yeah. Yeah. He's still studying. Yeah. Yeah. Okay. So it is up to you on how you want to do it. Just be mindful that if you do nominate your children, for example, and, Mhmm. obviously, time goes by and you don't change it, then they could pay tax on some components, Mhmm. but then you can still decide of who you want to nominate. So nominate children and a spouse is a valid nomination, and you can split that however you want. Yep. Yep. Mhmm.","start_word":5792,"end_word":6093,"sentiment":"neutral","sentiment_score":0.09871459885543546},{"text":"Yep. Perfect. So I'll include a bit of a cover letter in the email as well, and Mhmm.","start_word":6094,"end_word":6111,"sentiment":"positive","sentiment_score":0.39704644680023193},{"text":"that kind of explains how to how to fill them out and which type of nomination and stuff as well. But if you do have any questions when you get it and you are unsure, you just give me a call. Yep.","start_word":6112,"end_word":6153,"sentiment":"neutral","sentiment_score":0.17439165711402893},{"text":"Alright. Thank you.","start_word":6154,"end_word":6156,"sentiment":"positive","sentiment_score":0.4661450982093811},{"text":"Yep.","start_word":6157,"end_word":6157,"sentiment":"neutral","sentiment_score":0.27756792306900024},{"text":"No. That is no problem.","start_word":6158,"end_word":6162,"sentiment":"positive","sentiment_score":0.4018146693706513},{"text":"Now the last thing I do wanna check here is your goals. So other things that you are potentially working it towards or if there's anything else that you might need. So I have here that last time we spoke to you, your focus in the next couple of years was to potentially buy an investment property. Is Yeah. that still something you guys are kind of working towards in the long term? Yeah. But we don't see it happening, but we Yes. still Yep. And is there anything else that you are working towards financially or non financially or any other systems you need with anything? yeah. No. Not really. No? No? Okay. If anything does change, you know, just just give us a call if there's anything else that you need, or we could always book you in for a catch up to talk about different things as well if if it ever is something you do wanna talk about. Yep. Yep.","start_word":6163,"end_word":6326,"sentiment":"neutral","sentiment_score":0.13210611045360565},{"text":"Perfect. Now that was essentially everything that I needed to kind of run through on my end for you. But do you have any other questions before I let you go and enjoy the rest of your day otherwise?","start_word":6327,"end_word":6365,"sentiment":"positive","sentiment_score":0.4048899710178375},{"text":"Mhmm. Yes.","start_word":6366,"end_word":6367,"sentiment":"neutral","sentiment_score":0.13099434971809387},{"text":"Thank you.","start_word":6368,"end_word":6369,"sentiment":"positive","sentiment_score":0.39151379466056824},{"text":"No?","start_word":6370,"end_word":6370,"sentiment":"neutral","sentiment_score":0.14249759912490845},{"text":"Perfect.","start_word":6371,"end_word":6371,"sentiment":"positive","sentiment_score":0.3982573747634888},{"text":"Now keep a lookout for my email. So I will get the team to email you those beneficiary forms, Yes. and then I'll get working on that projection to send through to you. Now I don't work tomorrow, and I have pretty back to back the rest of the day. So Yeah. it might be kind of early next week, That's if that's fine. okay. Yeah. Yep. Yeah.","start_word":6372,"end_word":6439,"sentiment":"neutral","sentiment_score":0.09412825074704256},{"text":"That's Perfect. fine.","start_word":6440,"end_word":6442,"sentiment":"positive","sentiment_score":0.516947865486145},{"text":"Yep. Just keep a lookout for your emails, and it will come through from myself. Uh-huh. If you have any questions when you get it, though, or you wanna talk about anything else, just respond to the email or give me a call, and we Yep. can always go through it. But at least that will give you a bit of an update on how things are tracking for you. Yep.","start_word":6443,"end_word":6513,"sentiment":"neutral","sentiment_score":0.20398886501789093},{"text":"Sounds good. Yep. Thank you so much. No problem at all. Thank you so much for your time today. And anything else that you need, don't hesitate to give me a call. Thank you. No problem.","start_word":6514,"end_word":6549,"sentiment":"positive","sentiment_score":0.5709012150764465},{"text":"We'll speak soon. Okay. Bye. Okay. Bye.","start_word":6550,"end_word":6556,"sentiment":"neutral","sentiment_score":0.20986996591091156}],"average":{"sentiment":"neutral","sentiment_score":0.09887778372363348}}}}