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Is now still a good time for you? Yep. 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. Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Yeah. Oh, good. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at. Okay. Yes and no. I can provide you with your login ID for you to write down, then you just have to do your password yourself. You can just, like, forget password. But do you have access to writing down your number for me? Your login ID anywhere? Yeah. So so when you do log in to the app, and it is a bit complex because it sometimes forces you to log out every time because I have the same I use Hub twenty four for my super as well, and sometimes there's a little bit of that. But what you need is your login ID. So let me know when you're ready, and I'll just read it out to you. Yeah. Sorry. 1368, Yeah. 9584. Yep. So when you go into the app and you put that in, you can then just do, like, forget forgot password, and you can just reset your password, and that is all you need to log in. Yes. Now let me have a look. So part of the document today is that I have included a change of detail form because we are up here. Okay. Let me follow-up. When did you send that back? Okay. Let me was it Madison you spoke to? Yeah. Okay. I will have a look and see if I can see it. But if not, I have this included, just a digital sign signature of one anyway, just in case, and that is just to change the the email address there for you. That way, as soon as we can get that one updated, same with their phone number there for you, once that's updated, you can then reset your password and get into access to your account. Yep. No problem at all. Was there any other questions you had otherwise? No? That's all. Alright. Perfect. So what I might do first is to just run through just a bit of an update at FactFone with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I run through this information. Now I can see here some personal information that you are in a de facto relationship. Is that correct? That's changed. Single. And do you have any financial dependence at home? No. Perfect. Now when it actually comes to a next of 10, so someone that we can contact in the event that something were to happen to you, who would you like to nominate for that? And that can be anybody. Yep. Perfect. And what's his name, please? Michael Ashton. Beautiful. And best contact number? Three eight. Yep. Yeah. Sure. No. Good. I was, like, pretty impressive if you remember that anyway. Yep. 769. Perfect. Occupation wise, has any of that changed for you, Daniel? No. Don't don't. Yep. You're still liking it? Yes. And still working, like, self employed? Yep. Now I have income here of around 150,000. Is that still the case? Yep. And I have expenses of around $200 and savings about 500 a week. Is that correct? Yep. Perfect. And at the moment, you are not making any contributions through superannuation? No. Is that something you are planning on or not really right now with work and everything? Yep. No. That's all good. Now assets wise, I have here a motor vehicle right at about 80,000. Is that still okay? Yep. K. And you don't have anything owing on that one, do you? No. Also, a motor vehicle at about 20,000. Sorry. Motorbike. Yes. And also a share portfolio of about 20,000. Perfect. 40,000. And do you just have that on, like, a trading platform? Or yep. Oh, yeah. Perfect. Any other new assets or anything we haven't gone over? Oh, Did you buy a house? Yeah. Perfect. Oh, that's nice. And how much is the property valued at? Perfect. And do you know how much is on the mortgage? About 400. Perfect. And is it because I know when we spoke last time for your interview, you were kind of looking at potentially buying a farm with some land. Is that the property you bought, or did you buy something differently? Oh, yep. Beautiful. And when did you move into there? Oh, yeah. Nice. Any other changes? No. Perfect. Any other liabilities aside from the mortgage and in the personal loans credit card tip to pay? Yep. And is that held through, like, the business or are you a sole trader? Yeah. Perfect. Health and lifestyle wise, have you done here as a nonsmoker? Is that still the case? Yeah. And have you had any changes to your health in the last twelve months? Any injuries or issues or anything? No. No. Perfect. And do you have private health insurance? No. And do you know as well about the medical levy surcharge if you don't have private health insurance, like, hospital covers as a high income earner. Have you heard of that before? Yeah. Sorry. Do you normally do your tax return yourself, or is that something okay. Yeah. So they will be able to to tell you how much if it if it is. But, usually, with the the medical levy surcharge, it is designed where if you do not have private health insurance with relevant hospital cover, they will get you to pay additional tax as a result. So it is worth considering when you do speak to your accountant because for this financial year, if your income is less so for a single person, if the income is less than 101,000, you don't have to pay anything. But if it's over that, there is a medical levy surcharge that can apply. So just have have it in the back of your mind. Sometimes it still works out that people are like, oh, well, it's the medical levy surcharge is cheaper than the private health insurance. I won't worry about it. But sometimes, obviously, with a higher income, it could be that it's more beneficial to have the private health than what you are paying or can be very similar. So it is worth looking at. So when you do speak to your accountant, they'd be able to calculate if you are paying medical levy surcharge, how much it is. And then that way, you can go and if you want to check, obviously, private health, get some quotes, and then you can compare yourself with that as well. Yeah. Does that make sense? Yep. Perfect. Otherwise, estate planning wise, do you have a will or power of attorney in place? No. Now when it comes to your beneficiaries for your super as well, at the moment, I have Dorothy at 50% and then Michael at 50%. I do have here Dorothy as his spouse. Would you like to change that? Yeah. Okay. And because your only thing as well that if it is not her spouse and you have nominated it, if something were to happen to you, obviously, that will get assessed at the time. And if the person does not qualify because, basically, with the superannuation legislation, they are quite strict on who you can actually nominate directly through super to make it a valid nomination. So the only people that you can nominate directly is a a spouse, a child, or a financial dependent, or someone who you are in a interdependency relationship. So with Michael, I have him as other dependent. Is that your dad? Yeah. And do you live with him, or does he rely on you financially? No. So what we have to do then, if you wanna make sure you give it to you that which you definitely can still do, we would just have to restructure it. Because often, there's a lot of people who want to give it to their their parents or siblings or nephews and nieces, so not anyone in those categories. What we would have to do is we would change it on the forms to say that you want a 100% to go through your legal personal representative. Basically, it's just a fancy will just saying that something were to happen, it will revert to your will. You will have to get a will sorted, though. And then in the will, you can stipulate that you would like it to go through Michael. And if you want it to go to Dorothy as well, if that person is no longer your spouse or you wanna give it to that person, you can still do it because it's not the same, like, requirement. You can give it to anybody who you want in the world, just not directly through super. Does that make sense? They do make it a bit complicated that way, but I do wanna make sure if they're gonna have to do that it will actually go to who you want it to go through and not that the student will turn around and say, well, they don't need the definition. Therefore, it's now gonna go to this site, and then anyone can make a claim for it. Yep. Now, Daniel, do you have access to a printer, or do you prefer post? Completely up to you. Yeah. Okay. Because what I can do is I can get the team to resend these forms for you, so for your superannuation, and they can email that to you. And then when you have a moment, obviously, have a think about who you wanna nominate and send it back to us. It just has to be obviously, because you are making a legal nomination, just have to be printed and website, and then send it back to us. And then have a think of a a will as well if you do wanna give it to someone who doesn't fall into the category. Do you have any questions in regards to that? No. Okay. Great. Perfect. Otherwise, when it comes to, I guess, goals, the stuff that you are working towards that you are wanting to achieve, Now like I said earlier, obviously, we had here that your your main focus was to buy a farm, which obviously did, so that's great. Is there any other goals that you have for the next twelve months that you are working towards so that you are kind of wanting to achieve at all? Mhmm. Yep. Sorry. I'm a very what kind of farm is there? Mhmm. Yep. Yeah. Yeah. Oh, yeah. Oh, yeah. That's nice. Nice little way of of building up your wealth as well. Perfect. Anything else that you're working towards? That's kind of your main focus right now. Yep. Yeah. No. And when it comes to your superannuation, I have here that, ideally, obviously, it's a bit some some time away, but that you wanna access super at 60 and ideally draw an income of around a thousand dollars per week. Is that still your goal, or do you think you might need a little bit more for retirement, or do you think that will be sufficient? Yes. Yeah. Most people, especially with living expenses and everything like that going up. So perfect. Now the next thing is just to run through just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed if you want to make any changes to your risk profile at all. Now it is just multiple choice to make it nice and easy, and there's no right or wrong answer. If it doesn't make sense, let me know. It's quite similar to last time otherwise. Now let me see here. When it comes to inflation and how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Yeah. So so when it comes to how much risk you are willing to take, yeah, for your superannuation, for it to continue to grow, Would you say very high risk, moderate, just high, or small? Very high. Yep. Perfect. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So not like one particular investment that's gone bad, just the market as a whole. Would you if you had a good time to invest a little bit more while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? The first one. Yep. And would you invest heavily or just kind of modestly? Yep. Mhmm. Yep. Yeah. Perfect. And, obviously, when it comes to investments, superannuation or your personal investments or any assets that's ever fallen in value, if you ever noticed then, obviously, the last twelve months, obviously, with your share portfolio, you would have noticed a bit of fluctuations in the market as well with everything that's happened in the world. If you ever noticed that or even go back to COVID, so a bit of fluctuations, how did that make you feel? Would you say optimistic about potential investment opportunity? Be kind of neutral, not making further investment? Concerned or highly anxious? Optimistic. Yep. Yep. No. Perfect. The last one here is in regards to borrowing money. So would you ever consider taking out a loan through Invest in stocks or funds Or mainly just for, like, property? Yep. An investment property as well, like, you'd be open through potentially? Yeah. Okay. Yep. Now that tells me here, Daniel, that you have come out as a high growth investor, which you probably could tell from the answers, which is the portfolio we have invested in at the moment, which is good. Do you remember what it means to be a high growth investor at all? Nope. So, essentially, it tells me that you are looking at getting as much growth out of your superannuation while you still have plenty of time until retirement. But at the same time that you are comfortable with and understand that there will be some short term fluctuations in order to achieve that growth. And yeah. Perfect. And when it comes to an actual asset allocation, so how your money is invested, we typically see about 90% or so invested in what we call your growth assets. So, obviously, your Australian shares, international shares, property, and commodities, and that's ultimately what's going to grow that super for you. And then about 10% in your defensive, like your cash, your gold, your fixed interest, labor fluctuations a little bit, but making sure we're focused on maximizing that growth. Does that make sense? Yeah. Perfect. And, also, when it comes to a time frame, we wanna make sure we have enough time in the market for all those fluctuations. In a high growth portfolio, ideally, we would like to see a year to retirement, which you certainly have behind you. So from a time frame point of view, high growth is a very good option for you as long as you are still comfortable with that. Yeah. Great. And now the last thing here, Daniel, is do you have access to your emails at the moment, your new email address? Yeah. Did you yes. Did you just receive an email from myself about twenty minutes ago? It could go in spam as well because we have just changed the software. So if it's, like, the first time, it could go to spam. Nothing there? Nothing's come through. Let me have a look in the software for you. Let me just resend it on my end to see if that answers. Sometimes it is a little bit slow. Alright. I'll tryna get that resent for you. But while I wait for that to come through, are you happy for me to start going through some of the documents while we wait so I don't keep you on the phone? Yes? Okay. Perfect. Now let me know if it does come through. It should hopefully come through in the next couple of minutes. But what you will see, it's pretty similar to the last under review as well. Just a bit of an update on your superannuation. So you obviously have your super with hub twenty four, and you do have about a $120,049 in there. So, hopefully, you can get access sooner. You can kind of keep an eye on things a little bit more as well if it is something that you are interested in. Now what you will also see is a performance report. So that one there give you a breakdown of your current portfolio over the last twelve months. So it shows you all your individual investments, how they have performed over the last twelve months, and it's all after fees as well to show you. But, essentially, in the last twelve months, even though we have seen a bit of fluctuations in the market in the last twelve months, your portfolio has still done really well. So in the last twelve months after fee, it's still up by 12.65%, which is really good. Yep. Now when it actually comes to the individual investments, when you do see the email form that does come through, you can see that most of your investments have done really well, and it has been obviously, one of your investments in particular has gone crazy at the moment, which is your Global X, Better Tech, and Lithium. That one's up by about 99%, which is insane. Obviously, with the war and everything, electric vehicles have obviously seen a bit of an increase. So that one has been pretty crazy. But even your tech company there at 20% up, your beta shift roughly has been up by a lot. Gold has also done really well up at about 17%. Now there is one investment that I would like to look at changing for you, and that is your Benelong Australian equity fund. Are you quite familiar with the different types and styles of investments there, Daniel? Different types like direct shares, ETF, managed funds. Yeah. Okay. Yeah. Okay. Great. Perfect. So your managed fund, you have one managed fund at the moment, which is the Bennelong Australian Equities. All the other investments are your ETF. Now with the Bennelong in investments, the function, obviously, of that one is to actively buy and sell different investments in order to try to outperform the market, not really just, like, tracking the index or tracking the market. Now when you came on board and that one has done really well, it that was why it was added to your portfolio to kind of give you that little active management component. More recently, they have underperformed a little bit. So that is one that is down at the moment. So, obviously, the investment committee does do a lot of research on the investments all the time because we wanna make sure that we also are proactive with changes as the market and investments do change. So the good thing with Hub twenty four is you have hundreds and hundreds of different investment options to choose from, and we've done a lot of research on it. And not always when any investment is down do you wanna sell if you should see it coming back around. But with the investment, because they have been a little bit slower in making their investment choices lately, the investment committee has done a lot of research on a another suitable option to look at, just swapping that one for you. Now the one that we have looked at is your BetaShares Australia 200. Have you ever heard of that? No. So, basically, because if we are looking at removing one Australian investment from your portfolio, we still wanna make sure that you do have some exposure to the Australian market. We don't want everything in The US or everything in emerging markets or, like, we wanna make sure we keep everything very well diversified for you. So we were looking at another Australian option to swap that one for you. And keeping all the diversification and the investments will look to fit the same. Now with the a 200, so the beta shares a 200, the way that that one works is, it just invests in the 200 largest companies listed in Australia. So it's a bit more simplified in that. It just tracks the 200 largest companies. So as a company grows and gets bigger, it gets added to your portfolio. And, obviously, as something gets smaller, it kind of gets out of those eight two hundred. So you don't have that same kind of active buying and selling different investments. But with the eight two hundred, it has performed a lot better than your Venalone investment recently. Because you don't have that same kind of active buying and selling, it's also a bit cheaper. So we have looked at swapping that one for you if that is something that you are happy with. That makes sense? Yep. Yep. To do that one? Yep. Okay. Beautiful. Yeah. So what yes. Yes. Sorry. What we what we will do is just so you have a record of the change as well, is that I will get a record of advice drawn up for you. You don't need to sign it or anything like that, but it is just for your record to say that we have switched Ben along to 8200 for you. Yep. So you will see that in your in inbox. It might be kind of mid next week, but just keep a lookout for that, and that will come through shortly. Now, Daniel, did you get the email at all by any chance? Did that come through? Skyclimbtrees@gmail.com? Yeah. Yes. I just tried to check. Yes. Yes. That's the one I have. Okay. I'll check with IT if there's a bit of an issue. Sometimes at the end of the day, it tend to be a little bit slower, but I will follow-up when we get off the phone as well. And if you haven't received anything, I'll follow-up with IP, and then I might get if I can't see the documents come back to me after, I might get someone to just kind of give you a quick call tomorrow potentially just to see if you got them, if you kind of got through. Because, yeah, normally, it should be there by now, but sometimes in technology, it's great when it work. But sometimes it's a little bit, yeah, fiddly at times. So yeah. It says here it's been sent on my end, and, yes, it's the same address. So I'll keep a look at it, and I'll chat with IT as well when we get off the phone just to triple check. And I'll look at it tomorrow as well just to see if that came through for you. If you do have a look at it, though, and you have any questions with anything, just let me know. The other thing I do wanna check on as well is that, obviously, you don't have any insurances at the moment. Are you still happy with no insurances? Yep. Yep. Perfect. Now what you will also see when the document does finally come through is just an updated Vanguard index chart for you. It's just you probably have seen something like that before, but it is just a good visual representation of what we are talking about when we speak about the market. You can see there kind of dates back to 1995 through to 2025, and it just gives you a bit of an overview of the different market fluctuations, and it breaks down the different asset classes as well if it is something you wanna have a look at. And then the last thing is you will also have a financial services guide. It's just one of those compliance forms, but it does give you all the important information in regards to us here at OTU. None of the important information has changed, but we have done just a bit of an update to our marketing and also had a bit of an extension to the team. So if you do wanna have a read over that, that's all included in the document for you. And if you do wanna put a face to the voice as well, I am also there on page 10. Now the last thing it will ask you to do, if you're happy to do so when the document does come through, is that it will just ask you to sign the ongoing service agreement. That is just to say that you are happy to stay on as a client. There's no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from superannuation. No changes in regards to that, and there is no lock in contract. So if at any point in time, if you are not happy, it is not a lock in contract. Otherwise, by signing this, it just allows us to manage your investments and your accounts and everything for you in the meantime. Does that make sense? Yep. Perfect. Now I have also just included that change of detail form for you to get that updated. But when I get off the phone, I'll also just check with Maddie if she received that back, and we can get that sorted, update the address, the email address, and your phone number, and then also get that. So you can get access to your account by logging in yourself as well. Yeah. Perfect. Now I will also get the team to email you those beneficiary forms for Super to get that one sorted. If you do have any questions in regards to completed it or you don't remember anything, just give me a call, and we can always go through it again. And then the last thing is that I will send you that record of advice just to show you that one investment switch for you as well. Yep. Perfect. Now do you have any questions for me otherwise at this point, Daniel? Mhmm. Yep. Okay. Yeah. I can just update that for you just to say that the goal is about 3,000 a week. Yep. Okay. Yeah. Yeah. It's got a bit of time to retire, and and you can always change it, you know, obviously, as things go. Because then also for a lot of people, the goal by the time you return, fix, and retire is to hopefully have the mortgage paid off. So then you won't have, obviously, the mortgage expenses, and you'll be mainly, you know, living expenses, you're gonna do some traveling, and and stuff like that. So you might find that you need a little bit less than, obviously, what you have right now with the mortgage and everything. It just depends on, you know, how extravagant you want your retirement and everything to be. So I will just update that to 3,000 for now for you. Yeah. Make it 4,000 a week? Yep. Yeah. Why not? It's a goal to achieve towards. Sorry. No. That's all good. Yeah. Now, Daniel, do you have any other questions for me before I let you go and enjoy the rest of your afternoon otherwise? No? Okay. Beautiful. Just keep a lookout for those document. I will check with IT if there's any issues with that. So just keep a little lookout for your emails. If you do see it come through, have a bit of a review of them, if it all makes sense, and you're happy to add the signature. You can just do it all digitally, and it will then send it back to me. And that also tells me that you have received the documents. Any questions, sorry, just give me a call. Yeah. Yeah. Sorry. That one is a digital digital one. So you can just click on the link or it says sign now. It will just ask you to add your email and your signature, And then my colleague, Whitlam, will send you, like, a separate email with the beneficiary forms. But then you will receive the the ROI directly from me, and that has all my contact details and everything on it as well. Yeah. Beautiful. So, yeah, if there's anything you need, you can just respond to that email or just give the office a call, and we can always book you in for a bit of a catch up. Yeah. Beautiful. Well, thank you so much for your time today, Daniel. It was lovely speaking with you, and anything you need, just let me know. No worries. Yeah. Likewise. We'll speak soon. Okay. 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afternoon. Is this Daniel? Yeah. This is Veronica from Rickview Financial. How are you this afternoon?\n\nThat's good. I had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect.\n\nNow 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. Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep.\n\nYep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nYeah. Oh, good. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at. Okay.\n\nYes and no. I can provide you with your login ID for you to write down, then you just have to do your password yourself. You can just, like, forget password. But do you have access to writing down your number for me? Your login ID anywhere?\n\nYeah. So so when you do log in to the app, and it is a bit complex because it sometimes forces you to log out every time because I have the same I use Hub twenty four for my super as well, and sometimes there's a little bit of that. But what you need is your login ID. So let me know when you're ready, and I'll just read it out to you. Yeah.\n\nSorry. 1368, Yeah. 9584. Yep. So when you go into the app and you put that in, you can then just do, like, forget forgot password, and you can just reset your password, and that is all you need to log in.\n\nYes. Now let me have a look. So part of the document today is that I have included a change of detail form because we are up here. Okay. Let me follow-up.\n\nWhen did you send that back? Okay. Let me was it Madison you spoke to? Yeah. Okay.\n\nI will have a look and see if I can see it. But if not, I have this included, just a digital sign signature of one anyway, just in case, and that is just to change the the email address there for you. That way, as soon as we can get that one updated, same with their phone number there for you, once that's updated, you can then reset your password and get into access to your account. Yep. No problem at all.\n\nWas there any other questions you had otherwise? No? That's all. Alright. Perfect.\n\nSo what I might do first is to just run through just a bit of an update at FactFone with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I run through this information. Now I can see here some personal information that you are in a de facto relationship. Is that correct? That's changed.\n\nSingle. And do you have any financial dependence at home? No. Perfect. Now when it actually comes to a next of 10, so someone that we can contact in the event that something were to happen to you, who would you like to nominate for that?\n\nAnd that can be anybody. Yep. Perfect. And what's his name, please? Michael Ashton.\n\nBeautiful. And best contact number? Three eight. Yep. Yeah.\n\nSure. No. Good. I was, like, pretty impressive if you remember that anyway. Yep.\n\n769. Perfect. Occupation wise, has any of that changed for you, Daniel? No. Don't don't.\n\nYep. You're still liking it? Yes. And still working, like, self employed? Yep.\n\nNow I have income here of around 150,000. Is that still the case? Yep. And I have expenses of around $200 and savings about 500 a week. Is that correct?\n\nYep. Perfect. And at the moment, you are not making any contributions through superannuation? No. Is that something you are planning on or not really right now with work and everything?\n\nYep. No. That's all good. Now assets wise, I have here a motor vehicle right at about 80,000. Is that still okay?\n\nYep. K. And you don't have anything owing on that one, do you? No. Also, a motor vehicle at about 20,000.\n\nSorry. Motorbike. Yes. And also a share portfolio of about 20,000. Perfect.\n\n40,000. And do you just have that on, like, a trading platform? Or yep. Oh, yeah. Perfect.\n\nAny other new assets or anything we haven't gone over? Oh, Did you buy a house? Yeah. Perfect. Oh, that's nice.\n\nAnd how much is the property valued at? Perfect. And do you know how much is on the mortgage? About 400. Perfect.\n\nAnd is it because I know when we spoke last time for your interview, you were kind of looking at potentially buying a farm with some land. Is that the property you bought, or did you buy something differently? Oh, yep. Beautiful. And when did you move into there?\n\nOh, yeah. Nice. Any other changes? No. Perfect.\n\nAny other liabilities aside from the mortgage and in the personal loans credit card tip to pay? Yep. And is that held through, like, the business or are you a sole trader? Yeah. Perfect.\n\nHealth and lifestyle wise, have you done here as a nonsmoker? Is that still the case? Yeah. And have you had any changes to your health in the last twelve months? Any injuries or issues or anything?\n\nNo. No. Perfect. And do you have private health insurance? No.\n\nAnd do you know as well about the medical levy surcharge if you don't have private health insurance, like, hospital covers as a high income earner. Have you heard of that before? Yeah. Sorry. Do you normally do your tax return yourself, or is that something okay.\n\nYeah. So they will be able to to tell you how much if it if it is. But, usually, with the the medical levy surcharge, it is designed where if you do not have private health insurance with relevant hospital cover, they will get you to pay additional tax as a result. So it is worth considering when you do speak to your accountant because for this financial year, if your income is less so for a single person, if the income is less than 101,000, you don't have to pay anything. But if it's over that, there is a medical levy surcharge that can apply.\n\nSo just have have it in the back of your mind. Sometimes it still works out that people are like, oh, well, it's the medical levy surcharge is cheaper than the private health insurance. I won't worry about it. But sometimes, obviously, with a higher income, it could be that it's more beneficial to have the private health than what you are paying or can be very similar. So it is worth looking at.\n\nSo when you do speak to your accountant, they'd be able to calculate if you are paying medical levy surcharge, how much it is. And then that way, you can go and if you want to check, obviously, private health, get some quotes, and then you can compare yourself with that as well. Yeah. Does that make sense? Yep.\n\nPerfect. Otherwise, estate planning wise, do you have a will or power of attorney in place? No. Now when it comes to your beneficiaries for your super as well, at the moment, I have Dorothy at 50% and then Michael at 50%. I do have here Dorothy as his spouse.\n\nWould you like to change that? Yeah. Okay. And because your only thing as well that if it is not her spouse and you have nominated it, if something were to happen to you, obviously, that will get assessed at the time. And if the person does not qualify because, basically, with the superannuation legislation, they are quite strict on who you can actually nominate directly through super to make it a valid nomination.\n\nSo the only people that you can nominate directly is a a spouse, a child, or a financial dependent, or someone who you are in a interdependency relationship. So with Michael, I have him as other dependent. Is that your dad? Yeah. And do you live with him, or does he rely on you financially?\n\nNo. So what we have to do then, if you wanna make sure you give it to you that which you definitely can still do, we would just have to restructure it. Because often, there's a lot of people who want to give it to their their parents or siblings or nephews and nieces, so not anyone in those categories. What we would have to do is we would change it on the forms to say that you want a 100% to go through your legal personal representative. Basically, it's just a fancy will just saying that something were to happen, it will revert to your will.\n\nYou will have to get a will sorted, though. And then in the will, you can stipulate that you would like it to go through Michael. And if you want it to go to Dorothy as well, if that person is no longer your spouse or you wanna give it to that person, you can still do it because it's not the same, like, requirement. You can give it to anybody who you want in the world, just not directly through super. Does that make sense?\n\nThey do make it a bit complicated that way, but I do wanna make sure if they're gonna have to do that it will actually go to who you want it to go through and not that the student will turn around and say, well, they don't need the definition. Therefore, it's now gonna go to this site, and then anyone can make a claim for it. Yep. Now, Daniel, do you have access to a printer, or do you prefer post? Completely up to you.\n\nYeah. Okay. Because what I can do is I can get the team to resend these forms for you, so for your superannuation, and they can email that to you. And then when you have a moment, obviously, have a think about who you wanna nominate and send it back to us. It just has to be obviously, because you are making a legal nomination, just have to be printed and website, and then send it back to us.\n\nAnd then have a think of a a will as well if you do wanna give it to someone who doesn't fall into the category. Do you have any questions in regards to that? No. Okay. Great.\n\nPerfect. Otherwise, when it comes to, I guess, goals, the stuff that you are working towards that you are wanting to achieve, Now like I said earlier, obviously, we had here that your your main focus was to buy a farm, which obviously did, so that's great. Is there any other goals that you have for the next twelve months that you are working towards so that you are kind of wanting to achieve at all? Mhmm. Yep.\n\nSorry. I'm a very what kind of farm is there? Mhmm. Yep. Yeah.\n\nYeah. Oh, yeah. Oh, yeah. That's nice. Nice little way of of building up your wealth as well.\n\nPerfect. Anything else that you're working towards? That's kind of your main focus right now. Yep. Yeah.\n\nNo. And when it comes to your superannuation, I have here that, ideally, obviously, it's a bit some some time away, but that you wanna access super at 60 and ideally draw an income of around a thousand dollars per week. Is that still your goal, or do you think you might need a little bit more for retirement, or do you think that will be sufficient? Yes. Yeah.\n\nMost people, especially with living expenses and everything like that going up. So perfect. Now the next thing is just to run through just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed if you want to make any changes to your risk profile at all. Now it is just multiple choice to make it nice and easy, and there's no right or wrong answer. If it doesn't make sense, let me know.\n\nIt's quite similar to last time otherwise. Now let me see here. When it comes to inflation and how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Yeah. So so when it comes to how much risk you are willing to take, yeah, for your superannuation, for it to continue to grow, Would you say very high risk, moderate, just high, or small?\n\nVery high. Yep. Perfect. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So not like one particular investment that's gone bad, just the market as a whole.\n\nWould you if you had a good time to invest a little bit more while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? The first one. Yep. And would you invest heavily or just kind of modestly? Yep.\n\nMhmm. Yep. Yeah. Perfect. And, obviously, when it comes to investments, superannuation or your personal investments or any assets that's ever fallen in value, if you ever noticed then, obviously, the last twelve months, obviously, with your share portfolio, you would have noticed a bit of fluctuations in the market as well with everything that's happened in the world.\n\nIf you ever noticed that or even go back to COVID, so a bit of fluctuations, how did that make you feel? Would you say optimistic about potential investment opportunity? Be kind of neutral, not making further investment? Concerned or highly anxious? Optimistic.\n\nYep. Yep. No. Perfect. The last one here is in regards to borrowing money.\n\nSo would you ever consider taking out a loan through Invest in stocks or funds Or mainly just for, like, property? Yep. An investment property as well, like, you'd be open through potentially? Yeah. Okay.\n\nYep. Now that tells me here, Daniel, that you have come out as a high growth investor, which you probably could tell from the answers, which is the portfolio we have invested in at the moment, which is good. Do you remember what it means to be a high growth investor at all? Nope. So, essentially, it tells me that you are looking at getting as much growth out of your superannuation while you still have plenty of time until retirement.\n\nBut at the same time that you are comfortable with and understand that there will be some short term fluctuations in order to achieve that growth. And yeah. Perfect. And when it comes to an actual asset allocation, so how your money is invested, we typically see about 90% or so invested in what we call your growth assets. So, obviously, your Australian shares, international shares, property, and commodities, and that's ultimately what's going to grow that super for you.\n\nAnd then about 10% in your defensive, like your cash, your gold, your fixed interest, labor fluctuations a little bit, but making sure we're focused on maximizing that growth. Does that make sense? Yeah. Perfect. And, also, when it comes to a time frame, we wanna make sure we have enough time in the market for all those fluctuations.\n\nIn a high growth portfolio, ideally, we would like to see a year to retirement, which you certainly have behind you. So from a time frame point of view, high growth is a very good option for you as long as you are still comfortable with that. Yeah. Great. And now the last thing here, Daniel, is do you have access to your emails at the moment, your new email address?\n\nYeah. Did you yes. Did you just receive an email from myself about twenty minutes ago? It could go in spam as well because we have just changed the software. So if it's, like, the first time, it could go to spam.\n\nNothing there? Nothing's come through. Let me have a look in the software for you. Let me just resend it on my end to see if that answers. Sometimes it is a little bit slow.\n\nAlright. I'll tryna get that resent for you. But while I wait for that to come through, are you happy for me to start going through some of the documents while we wait so I don't keep you on the phone? Yes? Okay.\n\nPerfect. Now let me know if it does come through. It should hopefully come through in the next couple of minutes. But what you will see, it's pretty similar to the last under review as well. Just a bit of an update on your superannuation.\n\nSo you obviously have your super with hub twenty four, and you do have about a $120,049 in there. So, hopefully, you can get access sooner. You can kind of keep an eye on things a little bit more as well if it is something that you are interested in. Now what you will also see is a performance report. So that one there give you a breakdown of your current portfolio over the last twelve months.\n\nSo it shows you all your individual investments, how they have performed over the last twelve months, and it's all after fees as well to show you. But, essentially, in the last twelve months, even though we have seen a bit of fluctuations in the market in the last twelve months, your portfolio has still done really well. So in the last twelve months after fee, it's still up by 12.65%, which is really good. Yep. Now when it actually comes to the individual investments, when you do see the email form that does come through, you can see that most of your investments have done really well, and it has been obviously, one of your investments in particular has gone crazy at the moment, which is your Global X, Better Tech, and Lithium.\n\nThat one's up by about 99%, which is insane. Obviously, with the war and everything, electric vehicles have obviously seen a bit of an increase. So that one has been pretty crazy. But even your tech company there at 20% up, your beta shift roughly has been up by a lot. Gold has also done really well up at about 17%.\n\nNow there is one investment that I would like to look at changing for you, and that is your Benelong Australian equity fund. Are you quite familiar with the different types and styles of investments there, Daniel? Different types like direct shares, ETF, managed funds. Yeah. Okay.\n\nYeah. Okay. Great. Perfect. So your managed fund, you have one managed fund at the moment, which is the Bennelong Australian Equities.\n\nAll the other investments are your ETF. Now with the Bennelong in investments, the function, obviously, of that one is to actively buy and sell different investments in order to try to outperform the market, not really just, like, tracking the index or tracking the market. Now when you came on board and that one has done really well, it that was why it was added to your portfolio to kind of give you that little active management component. More recently, they have underperformed a little bit. So that is one that is down at the moment.\n\nSo, obviously, the investment committee does do a lot of research on the investments all the time because we wanna make sure that we also are proactive with changes as the market and investments do change. So the good thing with Hub twenty four is you have hundreds and hundreds of different investment options to choose from, and we've done a lot of research on it. And not always when any investment is down do you wanna sell if you should see it coming back around. But with the investment, because they have been a little bit slower in making their investment choices lately, the investment committee has done a lot of research on a another suitable option to look at, just swapping that one for you. Now the one that we have looked at is your BetaShares Australia 200.\n\nHave you ever heard of that? No. So, basically, because if we are looking at removing one Australian investment from your portfolio, we still wanna make sure that you do have some exposure to the Australian market. We don't want everything in The US or everything in emerging markets or, like, we wanna make sure we keep everything very well diversified for you. So we were looking at another Australian option to swap that one for you.\n\nAnd keeping all the diversification and the investments will look to fit the same. Now with the a 200, so the beta shares a 200, the way that that one works is, it just invests in the 200 largest companies listed in Australia. So it's a bit more simplified in that. It just tracks the 200 largest companies. So as a company grows and gets bigger, it gets added to your portfolio.\n\nAnd, obviously, as something gets smaller, it kind of gets out of those eight two hundred. So you don't have that same kind of active buying and selling different investments. But with the eight two hundred, it has performed a lot better than your Venalone investment recently. Because you don't have that same kind of active buying and selling, it's also a bit cheaper. So we have looked at swapping that one for you if that is something that you are happy with.\n\nThat makes sense? Yep. Yep. To do that one? Yep.\n\nOkay. Beautiful. Yeah. So what yes. Yes.\n\nSorry. What we what we will do is just so you have a record of the change as well, is that I will get a record of advice drawn up for you. You don't need to sign it or anything like that, but it is just for your record to say that we have switched Ben along to 8200 for you. Yep. So you will see that in your in inbox.\n\nIt might be kind of mid next week, but just keep a lookout for that, and that will come through shortly. Now, Daniel, did you get the email at all by any chance? Did that come through? Skyclimbtrees@gmail.com? Yeah.\n\nYes. I just tried to check. Yes. Yes. That's the one I have.\n\nOkay. I'll check with IT if there's a bit of an issue. Sometimes at the end of the day, it tend to be a little bit slower, but I will follow-up when we get off the phone as well. And if you haven't received anything, I'll follow-up with IP, and then I might get if I can't see the documents come back to me after, I might get someone to just kind of give you a quick call tomorrow potentially just to see if you got them, if you kind of got through. Because, yeah, normally, it should be there by now, but sometimes in technology, it's great when it work.\n\nBut sometimes it's a little bit, yeah, fiddly at times. So yeah. It says here it's been sent on my end, and, yes, it's the same address. So I'll keep a look at it, and I'll chat with IT as well when we get off the phone just to triple check. And I'll look at it tomorrow as well just to see if that came through for you.\n\nIf you do have a look at it, though, and you have any questions with anything, just let me know. The other thing I do wanna check on as well is that, obviously, you don't have any insurances at the moment. Are you still happy with no insurances? Yep. Yep.\n\nPerfect. Now what you will also see when the document does finally come through is just an updated Vanguard index chart for you. It's just you probably have seen something like that before, but it is just a good visual representation of what we are talking about when we speak about the market. You can see there kind of dates back to 1995 through to 2025, and it just gives you a bit of an overview of the different market fluctuations, and it breaks down the different asset classes as well if it is something you wanna have a look at. And then the last thing is you will also have a financial services guide.\n\nIt's just one of those compliance forms, but it does give you all the important information in regards to us here at OTU. None of the important information has changed, but we have done just a bit of an update to our marketing and also had a bit of an extension to the team. So if you do wanna have a read over that, that's all included in the document for you. And if you do wanna put a face to the voice as well, I am also there on page 10. Now the last thing it will ask you to do, if you're happy to do so when the document does come through, is that it will just ask you to sign the ongoing service agreement.\n\nThat is just to say that you are happy to stay on as a client. There's no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from superannuation. No changes in regards to that, and there is no lock in contract. So if at any point in time, if you are not happy, it is not a lock in contract.\n\nOtherwise, by signing this, it just allows us to manage your investments and your accounts and everything for you in the meantime. Does that make sense? Yep. Perfect. Now I have also just included that change of detail form for you to get that updated.\n\nBut when I get off the phone, I'll also just check with Maddie if she received that back, and we can get that sorted, update the address, the email address, and your phone number, and then also get that. So you can get access to your account by logging in yourself as well. Yeah. Perfect. Now I will also get the team to email you those beneficiary forms for Super to get that one sorted.\n\nIf you do have any questions in regards to completed it or you don't remember anything, just give me a call, and we can always go through it again. And then the last thing is that I will send you that record of advice just to show you that one investment switch for you as well. Yep. Perfect. Now do you have any questions for me otherwise at this point, Daniel?\n\nMhmm. Yep. Okay. Yeah. I can just update that for you just to say that the goal is about 3,000 a week.\n\nYep. Okay. Yeah. Yeah. It's got a bit of time to retire, and and you can always change it, you know, obviously, as things go.\n\nBecause then also for a lot of people, the goal by the time you return, fix, and retire is to hopefully have the mortgage paid off. So then you won't have, obviously, the mortgage expenses, and you'll be mainly, you know, living expenses, you're gonna do some traveling, and and stuff like that. So you might find that you need a little bit less than, obviously, what you have right now with the mortgage and everything. It just depends on, you know, how extravagant you want your retirement and everything to be. So I will just update that to 3,000 for now for you.\n\nYeah. Make it 4,000 a week? Yep. Yeah. Why not?\n\nIt's a goal to achieve towards. Sorry. No. That's all good. Yeah.\n\nNow, Daniel, do you have any other questions for me before I let you go and enjoy the rest of your afternoon otherwise? No? Okay. Beautiful. Just keep a lookout for those document.\n\nI will check with IT if there's any issues with that. So just keep a little lookout for your emails. If you do see it come through, have a bit of a review of them, if it all makes sense, and you're happy to add the signature. You can just do it all digitally, and it will then send it back to me. And that also tells me that you have received the documents.\n\nAny questions, sorry, just give me a call. Yeah. Yeah. Sorry. That one is a digital digital one.\n\nSo you can just click on the link or it says sign now. It will just ask you to add your email and your signature, And then my colleague, Whitlam, will send you, like, a separate email with the beneficiary forms. But then you will receive the the ROI directly from me, and that has all my contact details and everything on it as well. Yeah. Beautiful.\n\nSo, yeah, if there's anything you need, you can just respond to that email or just give the office a call, and we can always book you in for a bit of a catch up. Yeah. Beautiful. Well, thank you so much for your time today, Daniel. It was lovely speaking with you, and anything you need, just let me know.\n\nNo worries. Yeah. Likewise. We'll speak soon. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.56,"end":3.1999998,"sentiment":"positive","sentiment_score":0.36233408749103546},{"text":"Is this Daniel?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.15386534730593363},{"text":"Yeah.","start":6.72,"end":7.12,"sentiment":"neutral","sentiment_score":0.10438141971826552},{"text":"This is Veronica from Rickview Financial.","start":7.12,"end":9.139999,"sentiment":"neutral","sentiment_score":0.18010902653137842},{"text":"How are you this afternoon?","start":9.28,"end":10.42,"sentiment":"neutral","sentiment_score":0.2467932015657425}],"sentiment":"neutral","sentiment_score":0.21207445903736002,"num_words":17,"start":2.56,"end":10.42},{"sentences":[{"text":"That's good.","start":12.815001,"end":13.635,"sentiment":"positive","sentiment_score":0.787467896938324},{"text":"I had you booked in to go over your annual review.","start":14.575001,"end":16.895,"sentiment":"positive","sentiment_score":0.557549384507266},{"text":"Is now still a good time for you?","start":16.895,"end":18.675,"sentiment":"positive","sentiment_score":0.4618380218744278},{"text":"Yep.","start":20.095001,"end":20.595001,"sentiment":"neutral","sentiment_score":0.1709837019443512},{"text":"Perfect.","start":20.815,"end":21.315,"sentiment":"positive","sentiment_score":0.5006746649742126}],"sentiment":"positive","sentiment_score":0.5249713724074156,"num_words":23,"start":12.815001,"end":21.315},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.855,"end":29.380001,"sentiment":"neutral","sentiment_score":0.026145737297062217},{"text":"Yeah.","start":30.880001,"end":31.36,"sentiment":"neutral","sentiment_score":0.16398537158966064},{"text":"Perfect.","start":31.36,"end":31.84,"sentiment":"neutral","sentiment_score":0.33290642499923706},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":31.84,"end":40.739998,"sentiment":"neutral","sentiment_score":0.08150747166045251},{"text":"Yep.","start":47.065,"end":47.565,"sentiment":"neutral","sentiment_score":0.02514883503317833}],"sentiment":"neutral","sentiment_score":0.060428549757316,"num_words":63,"start":21.855,"end":47.565},{"sentences":[{"text":"Yep.","start":50.585,"end":51.065,"sentiment":"neutral","sentiment_score":0.15706892311573029},{"text":"Perfect.","start":51.065,"end":51.545,"sentiment":"positive","sentiment_score":0.5750378370285034},{"text":"That's exactly what I have here.","start":51.545,"end":52.824997,"sentiment":"positive","sentiment_score":0.6291720469792684},{"text":"And how's your day been so far?","start":52.824997,"end":54.344997,"sentiment":"neutral","sentiment_score":0.22690948843955994},{"text":"Been busy?","start":54.344997,"end":55.004997,"sentiment":"neutral","sentiment_score":0.020944004878401756}],"sentiment":"positive","sentiment_score":0.3610231453443275,"num_words":17,"start":50.585,"end":55.004997},{"sentences":[{"text":"Yeah.","start":56.899998,"end":57.399998,"sentiment":"positive","sentiment_score":0.3974953591823578},{"text":"Oh, good.","start":58.739998,"end":59.54,"sentiment":"neutral","sentiment_score":0.30721867084503174},{"text":"Well, I will try not to keep you for too long.","start":59.54,"end":61.96,"sentiment":"neutral","sentiment_score":0.037979185581207275},{"text":"But before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at.","start":62.5,"end":75.715,"sentiment":"neutral","sentiment_score":0.06085292141263684},{"text":"Okay.","start":84.909996,"end":85.409996,"sentiment":"neutral","sentiment_score":-0.03634902089834213}],"sentiment":"neutral","sentiment_score":0.06752737835955082,"num_words":72,"start":56.899998,"end":85.409996},{"sentences":[{"text":"Yes and no.","start":88.43,"end":89.15,"sentiment":"neutral","sentiment_score":-0.013129896173874537},{"text":"I can provide you with your login ID for you to write down, then you just have to do your password yourself.","start":89.15,"end":98.21,"sentiment":"neutral","sentiment_score":0.0121648677370765},{"text":"You can just, like, forget password.","start":98.884995,"end":100.744995,"sentiment":"neutral","sentiment_score":-0.008379855193197727},{"text":"But do you have access to writing down your number for me?","start":100.965,"end":108.744995,"sentiment":"neutral","sentiment_score":-0.021447125356644392},{"text":"Your login ID anywhere?","start":108.884995,"end":110.744995,"sentiment":"neutral","sentiment_score":-0.02086265990510583}],"sentiment":"neutral","sentiment_score":-0.0034650611354315533,"num_words":47,"start":88.43,"end":110.744995},{"sentences":[{"text":"Yeah.","start":110.80499,"end":111.12,"sentiment":"neutral","sentiment_score":-0.05884174630045891},{"text":"So so when you do log in to the app, and it is a bit complex because it sometimes forces you to log out every time because I have the same I use Hub twenty four for my super as well, and sometimes there's a little bit of that.","start":111.44,"end":122.9,"sentiment":"neutral","sentiment_score":-0.024615611995057185},{"text":"But what you need is your login ID.","start":123.04,"end":125.46001,"sentiment":"neutral","sentiment_score":0.010845202254131436},{"text":"So let me know when you're ready, and I'll just read it out to you.","start":125.985,"end":128.88501,"sentiment":"neutral","sentiment_score":0.04924884910384814},{"text":"Yeah.","start":131.505,"end":131.905,"sentiment":"neutral","sentiment_score":0.04626509174704552}],"sentiment":"neutral","sentiment_score":-0.005314152536762727,"num_words":74,"start":110.80499,"end":131.905},{"sentences":[{"text":"Sorry.","start":131.905,"end":132.405,"sentiment":"neutral","sentiment_score":0.01533025223761797},{"text":"1368, Yeah.","start":132.625,"end":139.7,"sentiment":"neutral","sentiment_score":0.013973574619740248},{"text":"9584.","start":140.23999,"end":143.06,"sentiment":"neutral","sentiment_score":0.01664309948682785},{"text":"Yep.","start":148.15999,"end":148.56,"sentiment":"neutral","sentiment_score":0.12248408794403076},{"text":"So when you go into the app and you put that in, you can then just do, like, forget forgot password, and you can just reset your password, and that is all you need to log in.","start":148.56,"end":159.085,"sentiment":"neutral","sentiment_score":0.14947738135988647}],"sentiment":"neutral","sentiment_score":0.13602542141008944,"num_words":42,"start":131.905,"end":159.085},{"sentences":[{"text":"Yes.","start":168.76,"end":169.26,"sentiment":"neutral","sentiment_score":0.025284703820943832},{"text":"Now let me have a look.","start":174.615,"end":176.775,"sentiment":"neutral","sentiment_score":0.030500339344143867},{"text":"So part of the document today is that I have included a change of detail form because we are up here.","start":176.775,"end":189.57,"sentiment":"neutral","sentiment_score":0.027795200191792987},{"text":"Okay.","start":192.91,"end":193.31,"sentiment":"neutral","sentiment_score":0.023692429065704346},{"text":"Let me follow-up.","start":193.31,"end":194.37,"sentiment":"neutral","sentiment_score":0.0209739962592721}],"sentiment":"neutral","sentiment_score":0.027456261304905638,"num_words":32,"start":168.76,"end":194.37},{"sentences":[{"text":"When did you send that back?","start":196.19,"end":197.89,"sentiment":"neutral","sentiment_score":0.012756820147236189},{"text":"Okay.","start":202.205,"end":202.605,"sentiment":"neutral","sentiment_score":0.006391395814716816},{"text":"Let me was it Madison you spoke to?","start":202.605,"end":205.185,"sentiment":"neutral","sentiment_score":-0.0038666995242238045},{"text":"Yeah.","start":206.685,"end":207.16501,"sentiment":"neutral","sentiment_score":0.05252856761217117},{"text":"Okay.","start":207.16501,"end":207.66501,"sentiment":"neutral","sentiment_score":0.0597299188375473}],"sentiment":"neutral","sentiment_score":0.009662188644356588,"num_words":17,"start":196.19,"end":207.66501},{"sentences":[{"text":"I will have a look and see if I can see it.","start":209.245,"end":212.55,"sentiment":"neutral","sentiment_score":0.04877895240982374},{"text":"But if not, I have this included, just a digital sign signature of one anyway, just in case, and that is just to change the the email address there for you.","start":213.11,"end":225.77,"sentiment":"neutral","sentiment_score":0.056531850188489885},{"text":"That way, as soon as we can get that one updated, same with their phone number there for you, once that's updated, you can then reset your password and get into access to your account.","start":227.11499,"end":239.295,"sentiment":"neutral","sentiment_score":0.20261039521012988},{"text":"Yep.","start":241.52,"end":242.02,"sentiment":"positive","sentiment_score":0.3406566083431244},{"text":"No problem at all.","start":242.24,"end":243.94,"sentiment":"neutral","sentiment_score":0.31240565702319145}],"sentiment":"neutral","sentiment_score":0.13276479341628322,"num_words":83,"start":209.245,"end":243.94},{"sentences":[{"text":"Was there any other questions you had otherwise?","start":245.84,"end":248.58,"sentiment":"neutral","sentiment_score":0.06517048226669431},{"text":"No?","start":250.56,"end":251.06,"sentiment":"neutral","sentiment_score":-0.07788486778736115},{"text":"That's all.","start":251.2,"end":251.76001,"sentiment":"neutral","sentiment_score":0.0013362951576709747},{"text":"Alright.","start":251.76001,"end":252.24,"sentiment":"neutral","sentiment_score":0.2458687275648117},{"text":"Perfect.","start":252.24,"end":252.74,"sentiment":"neutral","sentiment_score":0.018435047939419743}],"sentiment":"neutral","sentiment_score":0.05465041201275129,"num_words":13,"start":245.84,"end":252.74},{"sentences":[{"text":"So what I might do first is to just run through just a bit of an update at FactFone with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all.","start":253.565,"end":266.14502,"sentiment":"neutral","sentiment_score":0.022703780297269213},{"text":"So just kind of bear with me as I run through this information.","start":266.285,"end":269.19,"sentiment":"neutral","sentiment_score":0.03360696939321665},{"text":"Now I can see here some personal information that you are in a de facto relationship.","start":271.25,"end":277.91,"sentiment":"neutral","sentiment_score":0.034182021394371986},{"text":"Is that correct?","start":278.05,"end":278.94998,"sentiment":"neutral","sentiment_score":0.02666161861270666},{"text":"That's changed.","start":281.885,"end":282.785,"sentiment":"neutral","sentiment_score":-0.042670343071222305}],"sentiment":"neutral","sentiment_score":0.025253392445544403,"num_words":81,"start":253.565,"end":282.785},{"sentences":[{"text":"Single.","start":283.08502,"end":283.58502,"sentiment":"neutral","sentiment_score":-0.008686077781021595},{"text":"And do you have any financial dependence at 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anybody.","start":304.36,"end":305.58,"sentiment":"neutral","sentiment_score":0.07754385620355606},{"text":"Yep.","start":308.10498,"end":308.505,"sentiment":"neutral","sentiment_score":0.1439150869846344},{"text":"Perfect.","start":308.505,"end":308.985,"sentiment":"neutral","sentiment_score":0.2635161876678467},{"text":"And what's his name, please?","start":308.985,"end":310.365,"sentiment":"neutral","sentiment_score":0.10596050620079041},{"text":"Michael Ashton.","start":313.54498,"end":314.685,"sentiment":"neutral","sentiment_score":0.05314365588128567}],"sentiment":"neutral","sentiment_score":0.10223145703119892,"num_words":14,"start":304.36,"end":314.685},{"sentences":[{"text":"Beautiful.","start":315.22498,"end":315.72498,"sentiment":"positive","sentiment_score":0.37709689140319824},{"text":"And best contact number?","start":315.865,"end":317.245,"sentiment":"neutral","sentiment_score":0.15624162182211876},{"text":"Three eight.","start":320.36002,"end":320.92,"sentiment":"neutral","sentiment_score":0.016670906450599432},{"text":"Yep.","start":320.92,"end":321.42,"sentiment":"neutral","sentiment_score":0.023542311042547222},{"text":"Yeah.","start":330.055,"end":330.375,"sentiment":"neutral","sentiment_score":-0.005866826977580786}],"sentiment":"neutral","sentiment_score":0.11700896396198207,"num_words":9,"start":315.22498,"end":330.375},{"sentences":[{"text":"Sure.","start":330.375,"end":330.875,"sentiment":"neutral","sentiment_score":-0.01359727792441845},{"text":"No.","start":332.535,"end":332.85498,"sentiment":"neutral","sentiment_score":-0.22263383865356445},{"text":"Good.","start":332.85498,"end":333.175,"sentiment":"neutral","sentiment_score":-0.09500310570001602},{"text":"I was, like, pretty impressive if you remember that anyway.","start":333.175,"end":335.75497,"sentiment":"neutral","sentiment_score":0.0943074107170105},{"text":"Yep.","start":344.47,"end":344.97,"sentiment":"neutral","sentiment_score":0.011287560686469078}],"sentiment":"neutral","sentiment_score":0.04450910325561251,"num_words":14,"start":330.375,"end":344.97},{"sentences":[{"text":"769.","start":345.75,"end":347.13,"sentiment":"neutral","sentiment_score":0.016346368938684464},{"text":"Perfect.","start":347.43,"end":347.93,"sentiment":"neutral","sentiment_score":0.08434510231018066},{"text":"Occupation wise, has any of that changed for you, Daniel?","start":349.75,"end":353.21,"sentiment":"neutral","sentiment_score":0.013033100869506598},{"text":"No.","start":355.28497,"end":355.685,"sentiment":"neutral","sentiment_score":-0.2367810606956482},{"text":"Don't 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150,000.","start":365.205,"end":368.88,"sentiment":"neutral","sentiment_score":0.025426161708310246},{"text":"Is that still the case?","start":369.04,"end":370.42,"sentiment":"neutral","sentiment_score":0.024031912535429002},{"text":"Yep.","start":372.0,"end":372.5,"sentiment":"neutral","sentiment_score":0.02646861970424652},{"text":"And I have expenses of around $200 and savings about 500 a week.","start":373.04,"end":380.18,"sentiment":"neutral","sentiment_score":0.03549217332441073},{"text":"Is that correct?","start":380.56,"end":381.46,"sentiment":"neutral","sentiment_score":0.039290708800156914}],"sentiment":"neutral","sentiment_score":0.03097692852218946,"num_words":30,"start":365.205,"end":381.46},{"sentences":[{"text":"Yep.","start":382.215,"end":382.715,"sentiment":"neutral","sentiment_score":0.05221543461084366},{"text":"Perfect.","start":383.09497,"end":383.59497,"sentiment":"neutral","sentiment_score":0.09245863556861876},{"text":"And at the moment, you are not making any 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80,000.","start":399.69,"end":407.31,"sentiment":"neutral","sentiment_score":0.05209255247161938},{"text":"Is that still okay?","start":407.885,"end":409.025,"sentiment":"neutral","sentiment_score":0.05037506576627493}],"sentiment":"neutral","sentiment_score":0.033444953405044296,"num_words":22,"start":398.16998,"end":409.025},{"sentences":[{"text":"Yep.","start":410.765,"end":411.265,"sentiment":"neutral","sentiment_score":0.04483054205775261},{"text":"K.","start":411.48502,"end":411.645,"sentiment":"neutral","sentiment_score":0.03726804256439209},{"text":"And you don't have anything owing on that one, do you?","start":411.645,"end":414.145,"sentiment":"neutral","sentiment_score":0.009532968598333273},{"text":"No.","start":415.325,"end":415.825,"sentiment":"neutral","sentiment_score":-0.07033155858516693},{"text":"Also, a motor vehicle at about 20,000.","start":416.925,"end":420.225,"sentiment":"neutral","sentiment_score":-0.038196930927889686}],"sentiment":"neutral","sentiment_score":-0.00717851599412305,"num_words":21,"start":410.765,"end":420.225},{"sentences":[{"text":"Sorry.","start":420.87003,"end":421.35,"sentiment":"neutral","sentiment_score":-0.019818469882011417},{"text":"Motorbike.","start":421.35,"end":421.85,"sentiment":"neutral","sentiment_score":-0.00004474632441997528},{"text":"Yes.","start":423.59003,"end":424.09003,"sentiment":"neutral","sentiment_score":0.04999947547912598},{"text":"And also a share portfolio of about 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yeah.","start":446.2,"end":446.86002,"sentiment":"neutral","sentiment_score":0.09637723863124847},{"text":"Perfect.","start":447.32,"end":447.82,"sentiment":"neutral","sentiment_score":0.2779242992401123}],"sentiment":"neutral","sentiment_score":0.06296470651731771,"num_words":17,"start":436.965,"end":447.82},{"sentences":[{"text":"Any other new assets or anything we haven't gone over?","start":449.0,"end":451.98,"sentiment":"neutral","sentiment_score":0.08223984055221081},{"text":"Oh, Did you buy a house?","start":455.88,"end":460.315,"sentiment":"neutral","sentiment_score":-0.0003524605805675189},{"text":"Yeah.","start":465.01498,"end":465.51498,"sentiment":"neutral","sentiment_score":0.05884611606597901},{"text":"Perfect.","start":466.455,"end":466.955,"sentiment":"positive","sentiment_score":0.34240010380744934},{"text":"Oh, that's nice.","start":467.01498,"end":467.895,"sentiment":"positive","sentiment_score":0.39295514424641925}],"sentiment":"neutral","sentiment_score":0.11430453784054234,"num_words":21,"start":449.0,"end":467.895},{"sentences":[{"text":"And how much is the property valued at?","start":467.895,"end":470.235,"sentiment":"neutral","sentiment_score":0.11355519760400057},{"text":"Perfect.","start":474.41998,"end":474.91998,"sentiment":"neutral","sentiment_score":0.24961939454078672},{"text":"And do you know how much is on the mortgage?","start":475.06,"end":477.0,"sentiment":"neutral","sentiment_score":0.05251132361590862},{"text":"About 400.","start":481.3,"end":482.36,"sentiment":"neutral","sentiment_score":0.03317840117961168},{"text":"Perfect.","start":482.74,"end":483.24,"sentiment":"neutral","sentiment_score":0.2568238079547882}],"sentiment":"neutral","sentiment_score":0.09119794644754041,"num_words":22,"start":467.895,"end":483.24},{"sentences":[{"text":"And is it because I know when we spoke last time for your interview, you were kind of looking at potentially buying a farm with some land.","start":484.755,"end":492.515,"sentiment":"neutral","sentiment_score":0.04591069922403053},{"text":"Is that the property you bought, or did you buy something differently?","start":492.515,"end":495.255,"sentiment":"neutral","sentiment_score":-0.012557640206068754},{"text":"Oh, yep.","start":497.57,"end":498.05,"sentiment":"neutral","sentiment_score":0.10138746723532677},{"text":"Beautiful.","start":498.05,"end":498.55,"sentiment":"neutral","sentiment_score":0.2813277840614319},{"text":"And when did you move into there?","start":500.37,"end":502.15,"sentiment":"neutral","sentiment_score":0.05322432704269886}],"sentiment":"neutral","sentiment_score":0.03970551437565258,"num_words":49,"start":484.755,"end":502.15},{"sentences":[{"text":"Oh, yeah.","start":505.97,"end":506.61,"sentiment":"neutral","sentiment_score":0.06288944557309151},{"text":"Nice.","start":506.61,"end":507.11,"sentiment":"neutral","sentiment_score":0.1279260367155075},{"text":"Any other changes?","start":508.21,"end":509.19,"sentiment":"neutral","sentiment_score":0.03876953944563866},{"text":"No.","start":511.315,"end":511.715,"sentiment":"neutral","sentiment_score":-0.05473614484071731},{"text":"Perfect.","start":511.715,"end":512.21497,"sentiment":"neutral","sentiment_score":-0.01867571473121643}],"sentiment":"neutral","sentiment_score":0.03707521082833409,"num_words":8,"start":505.97,"end":512.21497},{"sentences":[{"text":"Any other liabilities aside from the mortgage and in the personal loans credit card tip to pay?","start":512.915,"end":518.775,"sentiment":"neutral","sentiment_score":-0.035799141425420254},{"text":"Yep.","start":527.49,"end":527.99,"sentiment":"neutral","sentiment_score":0.022721320390701297},{"text":"And is that held through, like, the business or are you a sole trader?","start":529.41,"end":533.67,"sentiment":"neutral","sentiment_score":-0.01057231702309634},{"text":"Yeah.","start":536.515,"end":537.015,"sentiment":"neutral","sentiment_score":0.007422750815749168},{"text":"Perfect.","start":538.675,"end":539.175,"sentiment":"neutral","sentiment_score":0.15725642442703247}],"sentiment":"neutral","sentiment_score":-0.016741098438882652,"num_words":34,"start":512.915,"end":539.175},{"sentences":[{"text":"Health and lifestyle wise, have you done here as a nonsmoker?","start":541.395,"end":544.455,"sentiment":"neutral","sentiment_score":0.04265712667256594},{"text":"Is that still the case?","start":544.755,"end":545.97,"sentiment":"neutral","sentiment_score":0.015094955265522004},{"text":"Yeah.","start":547.32996,"end":547.82996,"sentiment":"neutral","sentiment_score":0.028222328051924706},{"text":"And have you had any changes to your health in the last twelve months?","start":547.88995,"end":551.41,"sentiment":"neutral","sentiment_score":-0.012604955583810806},{"text":"Any injuries or issues or anything?","start":551.41,"end":554.23,"sentiment":"neutral","sentiment_score":-0.05723901900152365}],"sentiment":"neutral","sentiment_score":0.0014330271782504547,"num_words":37,"start":541.395,"end":554.23},{"sentences":[{"text":"No.","start":556.20996,"end":556.70996,"sentiment":"neutral","sentiment_score":-0.12951292097568512},{"text":"No.","start":557.08997,"end":557.32996,"sentiment":"neutral","sentiment_score":-0.06931398808956146},{"text":"Perfect.","start":557.32996,"end":557.82996,"sentiment":"neutral","sentiment_score":0.23426836729049683},{"text":"And do you have private health insurance?","start":558.44995,"end":560.47,"sentiment":"neutral","sentiment_score":0.0353616921763335},{"text":"No.","start":562.685,"end":563.185,"sentiment":"neutral","sentiment_score":-0.042029667645692825}],"sentiment":"neutral","sentiment_score":0.02190396689217199,"num_words":11,"start":556.20996,"end":563.185},{"sentences":[{"text":"And do you know as well about the medical levy surcharge if you don't have private health insurance, like, hospital covers as a high income earner.","start":566.045,"end":577.31,"sentiment":"neutral","sentiment_score":-0.030018633589721642},{"text":"Have you heard of that before?","start":577.45,"end":578.67,"sentiment":"neutral","sentiment_score":-0.009772933398683866},{"text":"Yeah.","start":581.05,"end":581.52997,"sentiment":"neutral","sentiment_score":-0.022317957133054733},{"text":"Sorry.","start":581.52997,"end":582.02997,"sentiment":"neutral","sentiment_score":-0.04075084254145622},{"text":"Do you normally do your tax return yourself, or is that something okay.","start":582.17,"end":588.665,"sentiment":"neutral","sentiment_score":-0.0323603217704938}],"sentiment":"neutral","sentiment_score":-0.02814627779608077,"num_words":47,"start":566.045,"end":588.665},{"sentences":[{"text":"Yeah.","start":588.665,"end":589.145,"sentiment":"neutral","sentiment_score":0.044955357909202576},{"text":"So they will be able to to tell you how much if it if it is.","start":589.145,"end":593.485,"sentiment":"neutral","sentiment_score":0.038066122913733125},{"text":"But, usually, with the the medical levy surcharge, it is designed where if you do not have private health insurance with relevant hospital cover, they will get you to pay additional tax as a result.","start":594.505,"end":612.56,"sentiment":"neutral","sentiment_score":-0.034098320667232784},{"text":"So it is worth considering when you do speak to your accountant because for this financial year, if your income is less so for a single person, if the income is less than 101,000, you don't have to pay anything.","start":612.86,"end":631.35004,"sentiment":"neutral","sentiment_score":0.06735168304294348},{"text":"But if it's over that, there is a medical levy surcharge that can apply.","start":631.35004,"end":637.61,"sentiment":"neutral","sentiment_score":0.0260488876540746}],"sentiment":"neutral","sentiment_score":0.023767206132552534,"num_words":106,"start":588.665,"end":637.61},{"sentences":[{"text":"So just have have it in the back of your mind.","start":638.55,"end":641.745,"sentiment":"neutral","sentiment_score":0.09195587106726387},{"text":"Sometimes it still works out that people are like, oh, well, it's the medical levy surcharge is cheaper than the private health insurance.","start":641.745,"end":648.385,"sentiment":"neutral","sentiment_score":0.1255644132261691},{"text":"I won't worry about it.","start":648.385,"end":649.685,"sentiment":"neutral","sentiment_score":0.11878563910722732},{"text":"But sometimes, obviously, with a higher income, it could be that it's more beneficial to have the private health than what you are paying or can be very similar.","start":649.905,"end":658.56,"sentiment":"neutral","sentiment_score":0.1015897323859149},{"text":"So it is worth looking at.","start":658.86,"end":660.94,"sentiment":"neutral","sentiment_score":0.10141696284214656}],"sentiment":"neutral","sentiment_score":0.10875713915841,"num_words":74,"start":638.55,"end":660.94},{"sentences":[{"text":"So when you do speak to your accountant, they'd be able to calculate if you are paying medical levy surcharge, how much it is.","start":660.94,"end":667.605,"sentiment":"neutral","sentiment_score":0.14192132682849964},{"text":"And then that way, you can go and if you want to check, obviously, private health, get some quotes, and then you can compare yourself with that as well.","start":668.005,"end":677.385,"sentiment":"neutral","sentiment_score":0.16681290006843105},{"text":"Yeah.","start":679.20496,"end":679.62,"sentiment":"neutral","sentiment_score":0.16269183158874512},{"text":"Does that make sense?","start":679.94,"end":681.08,"sentiment":"neutral","sentiment_score":0.18404595926404},{"text":"Yep.","start":682.5,"end":683.0,"sentiment":"neutral","sentiment_score":0.17270660400390625}],"sentiment":"neutral","sentiment_score":0.15788590200876784,"num_words":59,"start":660.94,"end":683.0},{"sentences":[{"text":"Perfect.","start":683.94,"end":684.44,"sentiment":"neutral","sentiment_score":0.2947043776512146},{"text":"Otherwise, estate planning wise, do you have a will or power of attorney in place?","start":685.77997,"end":690.6,"sentiment":"neutral","sentiment_score":0.04847919580837091},{"text":"No.","start":692.675,"end":693.175,"sentiment":"neutral","sentiment_score":-0.037393718957901},{"text":"Now when it comes to your beneficiaries for your super as well, at the moment, I have Dorothy at 50% and then Michael at 50%.","start":693.235,"end":705.015,"sentiment":"neutral","sentiment_score":0.029618269316852092},{"text":"I do have here Dorothy as his spouse.","start":705.67,"end":708.41003,"sentiment":"neutral","sentiment_score":0.03506592568010092}],"sentiment":"neutral","sentiment_score":0.04010965468361974,"num_words":50,"start":683.94,"end":708.41003},{"sentences":[{"text":"Would you like to change that?","start":708.55,"end":710.33,"sentiment":"neutral","sentiment_score":-0.0018504106750090916},{"text":"Yeah.","start":714.71,"end":715.21,"sentiment":"neutral","sentiment_score":0.05313481390476227},{"text":"Okay.","start":718.005,"end":718.505,"sentiment":"neutral","sentiment_score":0.10060300678014757},{"text":"And because your only thing as well that if it is not her spouse and you have nominated it, if something were to happen to you, obviously, that will get assessed at the time.","start":721.36505,"end":731.385,"sentiment":"neutral","sentiment_score":-0.04075439296224538},{"text":"And if the person does not qualify because, basically, with the superannuation legislation, they are quite strict on who you can actually nominate directly through super to make it a valid nomination.","start":731.73,"end":743.11,"sentiment":"neutral","sentiment_score":-0.20045277383178473}],"sentiment":"neutral","sentiment_score":-0.10347976711754864,"num_words":74,"start":708.55,"end":743.11},{"sentences":[{"text":"So the only people that you can nominate directly is a a spouse, a child, or a financial dependent, or someone who you are in a interdependency relationship.","start":743.64996,"end":755.33496,"sentiment":"neutral","sentiment_score":-0.07343548589519092},{"text":"So with Michael, I have him as other dependent.","start":756.675,"end":759.71497,"sentiment":"neutral","sentiment_score":-0.049100492149591446},{"text":"Is that your dad?","start":759.71497,"end":760.69495,"sentiment":"neutral","sentiment_score":-0.10150116309523582},{"text":"Yeah.","start":762.62,"end":762.86,"sentiment":"neutral","sentiment_score":-0.03149913623929024},{"text":"And do you live with him, or does he rely on you financially?","start":762.86,"end":766.39996,"sentiment":"neutral","sentiment_score":-0.07469496847345279}],"sentiment":"neutral","sentiment_score":-0.07102975296703253,"num_words":55,"start":743.64996,"end":766.39996},{"sentences":[{"text":"No.","start":768.54,"end":769.04,"sentiment":"neutral","sentiment_score":-0.28386130928993225},{"text":"So what we have to do then, if you wanna make sure you give it to you that which you definitely can still do, we would just have to restructure it.","start":769.82,"end":779.17505,"sentiment":"neutral","sentiment_score":-0.20062833928292798},{"text":"Because often, there's a lot of people who want to give it to their their parents or siblings or nephews and nieces, so not anyone in those categories.","start":779.875,"end":787.815,"sentiment":"neutral","sentiment_score":-0.21650817670992442},{"text":"What we would have to do is we would change it on the forms to say that you want a 100% to go through your legal personal representative.","start":788.995,"end":799.45,"sentiment":"neutral","sentiment_score":-0.04291907977312803},{"text":"Basically, it's just a fancy will just saying that something were to happen, it will revert to your will.","start":800.55005,"end":805.37,"sentiment":"neutral","sentiment_score":-0.09210683197077167}],"sentiment":"neutral","sentiment_score":-0.1450218020189797,"num_words":107,"start":768.54,"end":805.37},{"sentences":[{"text":"You will have to get a will sorted, though.","start":805.925,"end":808.40497,"sentiment":"neutral","sentiment_score":-0.08375231507751676},{"text":"And then in the will, you can stipulate that you would like it to go through Michael.","start":808.40497,"end":813.125,"sentiment":"neutral","sentiment_score":0.04067589452161508},{"text":"And if you want it to go to Dorothy as well, if that person is no longer your spouse or you wanna give it to that person, you can still do it because it's not the same, like, requirement.","start":813.125,"end":824.21,"sentiment":"neutral","sentiment_score":-0.00974040612196311},{"text":"You can give it to anybody who you want in the world, just not directly through super.","start":824.21,"end":828.79004,"sentiment":"neutral","sentiment_score":0.08226648290805957},{"text":"Does that make sense?","start":830.29004,"end":831.17004,"sentiment":"neutral","sentiment_score":0.06681885570287704}],"sentiment":"neutral","sentiment_score":0.014228478658857733,"num_words":86,"start":805.925,"end":831.17004},{"sentences":[{"text":"They do make it a bit complicated that way, but I do wanna make sure if they're gonna have to do that it will actually go to who you want it to go through and not that the student will turn around and say, well, they don't need the definition.","start":831.17004,"end":843.09503,"sentiment":"neutral","sentiment_score":-0.03953717783093452},{"text":"Therefore, it's now gonna go to this site, and then anyone can make a claim for it.","start":843.635,"end":847.38,"sentiment":"neutral","sentiment_score":0.07273553947315496},{"text":"Yep.","start":849.3,"end":849.8,"sentiment":"neutral","sentiment_score":0.15492798388004303},{"text":"Now, Daniel, do you have access to a printer, or do you prefer post?","start":852.02,"end":856.52,"sentiment":"neutral","sentiment_score":0.05711104853876999},{"text":"Completely up to you.","start":861.635,"end":862.775,"sentiment":"neutral","sentiment_score":0.14420413225889206}],"sentiment":"neutral","sentiment_score":0.009197028743666272,"num_words":86,"start":831.17004,"end":862.775},{"sentences":[{"text":"Yeah.","start":869.555,"end":870.055,"sentiment":"neutral","sentiment_score":0.11064532399177553},{"text":"Okay.","start":871.395,"end":871.895,"sentiment":"neutral","sentiment_score":0.14577457308769226},{"text":"Because what I can do is I can get the team to resend these forms for you, so for your superannuation, and they can email that to you.","start":872.12,"end":882.38,"sentiment":"neutral","sentiment_score":0.17871270328760147},{"text":"And then when you have a moment, obviously, have a think about who you wanna nominate and send it back to us.","start":882.83997,"end":890.385,"sentiment":"neutral","sentiment_score":0.15925177864053033},{"text":"It just has to be obviously, because you are making a legal nomination, just have to be printed and website, and then send it back to us.","start":890.385,"end":897.265,"sentiment":"neutral","sentiment_score":0.09950452159952235}],"sentiment":"neutral","sentiment_score":0.14494350382798835,"num_words":79,"start":869.555,"end":897.265},{"sentences":[{"text":"And then have a think of a a will as well if you do wanna give it to someone who doesn't fall into the category.","start":897.265,"end":902.565,"sentiment":"neutral","sentiment_score":0.059440489113330844},{"text":"Do you have any questions in regards to that?","start":904.55005,"end":906.89,"sentiment":"neutral","sentiment_score":0.06095321186714702},{"text":"No.","start":908.63,"end":909.13,"sentiment":"neutral","sentiment_score":0.06353163719177246},{"text":"Okay.","start":909.43005,"end":909.83,"sentiment":"neutral","sentiment_score":0.2534335255622864},{"text":"Great.","start":909.83,"end":910.33,"sentiment":"positive","sentiment_score":0.5481946468353271}],"sentiment":"neutral","sentiment_score":0.07837164714126973,"num_words":37,"start":897.265,"end":910.33},{"sentences":[{"text":"Perfect.","start":910.39,"end":910.89,"sentiment":"positive","sentiment_score":0.493245393037796},{"text":"Otherwise, when it comes to, I guess, goals, the stuff that you are working towards that you are wanting to achieve, Now like I said earlier, obviously, we had here that your your main focus was to buy a farm, which obviously did, so that's great.","start":912.23004,"end":925.28503,"sentiment":"neutral","sentiment_score":0.28112578456816467},{"text":"Is there any other goals that you have for the next twelve months that you are working towards so that you are kind of wanting to achieve at all?","start":926.305,"end":933.24,"sentiment":"neutral","sentiment_score":0.2832704494739401},{"text":"Mhmm.","start":942.52,"end":943.02,"sentiment":"neutral","sentiment_score":0.13387680053710938},{"text":"Yep.","start":945.495,"end":945.575,"sentiment":"neutral","sentiment_score":0.04178829491138458}],"sentiment":"neutral","sentiment_score":0.27968640529956573,"num_words":78,"start":910.39,"end":945.575},{"sentences":[{"text":"Sorry.","start":945.575,"end":945.655,"sentiment":"neutral","sentiment_score":0.0004245050367899239},{"text":"I'm a very what kind of farm is there?","start":945.655,"end":948.555,"sentiment":"neutral","sentiment_score":0.026656940165493224},{"text":"Mhmm.","start":953.415,"end":953.915,"sentiment":"neutral","sentiment_score":-0.011655783280730247},{"text":"Yep.","start":956.215,"end":956.715,"sentiment":"neutral","sentiment_score":-0.044957734644412994},{"text":"Yeah.","start":958.71,"end":959.21,"sentiment":"neutral","sentiment_score":0.028512442484498024}],"sentiment":"neutral","sentiment_score":0.01632583777581413,"num_words":13,"start":945.575,"end":959.21},{"sentences":[{"text":"Yeah.","start":964.15,"end":964.65,"sentiment":"neutral","sentiment_score":0.03614895418286323},{"text":"Oh, yeah.","start":970.88495,"end":971.545,"sentiment":"neutral","sentiment_score":0.048488108441233635},{"text":"Oh, yeah.","start":972.245,"end":972.88495,"sentiment":"positive","sentiment_score":0.3518886864185333},{"text":"That's nice.","start":972.88495,"end":973.70496,"sentiment":"positive","sentiment_score":0.7731869518756866},{"text":"Nice little way of of building up your wealth as well.","start":973.925,"end":976.665,"sentiment":"positive","sentiment_score":0.7956693335012957}],"sentiment":"positive","sentiment_score":0.6186466175648901,"num_words":18,"start":964.15,"end":976.665},{"sentences":[{"text":"Perfect.","start":978.805,"end":979.285,"sentiment":"positive","sentiment_score":0.671869158744812},{"text":"Anything else that you're working towards?","start":979.285,"end":981.125,"sentiment":"neutral","sentiment_score":0.3238567958275477},{"text":"That's kind of your main focus right now.","start":981.125,"end":983.14496,"sentiment":"neutral","sentiment_score":0.2793567329645157},{"text":"Yep.","start":992.6,"end":993.1,"sentiment":"neutral","sentiment_score":0.23040363192558289},{"text":"Yeah.","start":994.92,"end":995.42,"sentiment":"neutral","sentiment_score":0.06996534019708633}],"sentiment":"neutral","sentiment_score":0.3029548687969937,"num_words":17,"start":978.805,"end":995.42},{"sentences":[{"text":"No.","start":995.63995,"end":996.13995,"sentiment":"neutral","sentiment_score":-0.009262029081583025},{"text":"And when it comes to your superannuation, I have here that, ideally, obviously, it's a bit some some time away, but that you wanna access super at 60 and ideally draw an income of around a thousand dollars per week.","start":997.335,"end":1013.27,"sentiment":"neutral","sentiment_score":0.11404941948130727},{"text":"Is that still your goal, or do you think you might need a little bit more for retirement, or do you think that will be sufficient?","start":1013.27,"end":1020.41003,"sentiment":"neutral","sentiment_score":0.051158352253528744},{"text":"Yes.","start":1021.315,"end":1021.815,"sentiment":"neutral","sentiment_score":0.14319884777069092},{"text":"Yeah.","start":1024.275,"end":1024.595,"sentiment":"neutral","sentiment_score":0.2228284776210785}],"sentiment":"neutral","sentiment_score":0.09056317730658296,"num_words":69,"start":995.63995,"end":1024.595},{"sentences":[{"text":"Most people, especially with living expenses and everything like that going up.","start":1024.595,"end":1028.755,"sentiment":"neutral","sentiment_score":0.3049071803689003},{"text":"So perfect.","start":1028.755,"end":1031.655,"sentiment":"positive","sentiment_score":0.7374420464038849},{"text":"Now the next thing is just to run through just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed if you want to make any changes to your risk profile at all.","start":1032.035,"end":1044.94,"sentiment":"neutral","sentiment_score":0.11307490097228871},{"text":"Now it is just multiple choice to make it nice and easy, and there's no right or wrong answer.","start":1045.1599,"end":1049.915,"sentiment":"neutral","sentiment_score":0.23514590353557938},{"text":"If it doesn't make sense, let me know.","start":1050.775,"end":1053.495,"sentiment":"neutral","sentiment_score":-0.024648764170706272}],"sentiment":"neutral","sentiment_score":0.16984015539111125,"num_words":84,"start":1024.595,"end":1053.495},{"sentences":[{"text":"It's quite similar to last time otherwise.","start":1053.495,"end":1055.835,"sentiment":"neutral","sentiment_score":0.02330536554966654},{"text":"Now let me see here.","start":1057.735,"end":1059.755,"sentiment":"neutral","sentiment_score":0.015085702389478683},{"text":"When it comes to inflation and how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?","start":1060.135,"end":1076.92,"sentiment":"neutral","sentiment_score":-0.04719639618415385},{"text":"Yeah.","start":1082.805,"end":1083.285,"sentiment":"neutral","sentiment_score":-0.00880810059607029},{"text":"So so when it comes to how much risk you are willing to take, yeah, for your superannuation, for it to continue to grow, Would you say very high risk, moderate, just high, or small?","start":1083.285,"end":1099.4,"sentiment":"neutral","sentiment_score":0.0027873561052339417}],"sentiment":"neutral","sentiment_score":-0.01773341378959065,"num_words":88,"start":1053.495,"end":1099.4},{"sentences":[{"text":"Very high.","start":1107.875,"end":1108.595,"sentiment":"neutral","sentiment_score":0.02287447080016136},{"text":"Yep.","start":1108.595,"end":1109.095,"sentiment":"neutral","sentiment_score":0.11905670166015624},{"text":"Perfect.","start":1109.3949,"end":1109.8949,"sentiment":"positive","sentiment_score":0.5167757272720337},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start":1111.6349,"end":1127.93,"sentiment":"neutral","sentiment_score":-0.2437822824638141},{"text":"So not like one particular investment that's gone bad, just the market as a whole.","start":1127.93,"end":1132.67,"sentiment":"neutral","sentiment_score":-0.3259008785088857}],"sentiment":"neutral","sentiment_score":-0.23632734281974926,"num_words":57,"start":1107.875,"end":1132.67},{"sentences":[{"text":"Would you if you had a good time to invest a little bit more while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?","start":1133.205,"end":1150.87,"sentiment":"neutral","sentiment_score":-0.16013206446712666},{"text":"The first one.","start":1154.93,"end":1155.65,"sentiment":"neutral","sentiment_score":0.011303829029202461},{"text":"Yep.","start":1155.65,"end":1156.15,"sentiment":"neutral","sentiment_score":0.04886224493384361},{"text":"And would you invest heavily or just kind of modestly?","start":1156.37,"end":1159.51,"sentiment":"neutral","sentiment_score":0.008758221194148064},{"text":"Yep.","start":1163.775,"end":1164.275,"sentiment":"neutral","sentiment_score":0.06880269944667816}],"sentiment":"neutral","sentiment_score":-0.12240149860403367,"num_words":70,"start":1133.205,"end":1164.275},{"sentences":[{"text":"Mhmm.","start":1171.95,"end":1172.45,"sentiment":"neutral","sentiment_score":0.02148238942027092},{"text":"Yep.","start":1175.87,"end":1176.37,"sentiment":"neutral","sentiment_score":0.05587972328066826},{"text":"Yeah.","start":1178.11,"end":1178.61,"sentiment":"neutral","sentiment_score":0.19179527461528775},{"text":"Perfect.","start":1178.75,"end":1179.25,"sentiment":"neutral","sentiment_score":0.28613483905792236},{"text":"And, obviously, when it comes to investments, superannuation or your personal investments or any assets that's ever fallen in value, if you ever noticed then, obviously, the last twelve months, obviously, with your share portfolio, you would have noticed a bit of fluctuations in the market as well with everything that's happened in the world.","start":1181.3099,"end":1201.31,"sentiment":"neutral","sentiment_score":-0.04700483004139228}],"sentiment":"neutral","sentiment_score":-0.034406329252583495,"num_words":59,"start":1171.95,"end":1201.31},{"sentences":[{"text":"If you ever noticed that or even go back to COVID, so a bit of fluctuations, how did that make you feel?","start":1203.05,"end":1208.89,"sentiment":"neutral","sentiment_score":0.028181313113732773},{"text":"Would you say optimistic about potential investment opportunity?","start":1208.89,"end":1212.67,"sentiment":"neutral","sentiment_score":0.2967647258192301},{"text":"Be kind of neutral, not making further investment?","start":1213.915,"end":1216.735,"sentiment":"neutral","sentiment_score":-0.08370181173086166},{"text":"Concerned or highly anxious?","start":1218.155,"end":1219.935,"sentiment":"negative","sentiment_score":-0.34329912811517715},{"text":"Optimistic.","start":1222.7151,"end":1223.2151,"sentiment":"positive","sentiment_score":0.5144543647766113}],"sentiment":"neutral","sentiment_score":0.03408721054709235,"num_words":43,"start":1203.05,"end":1223.2151},{"sentences":[{"text":"Yep.","start":1223.915,"end":1224.415,"sentiment":"neutral","sentiment_score":0.31023985147476196},{"text":"Yep.","start":1228.25,"end":1228.75,"sentiment":"neutral","sentiment_score":0.10646753758192062},{"text":"No.","start":1228.81,"end":1229.31,"sentiment":"neutral","sentiment_score":0.02620898187160492},{"text":"Perfect.","start":1229.4501,"end":1229.9501,"sentiment":"neutral","sentiment_score":0.29615312814712524},{"text":"The last one here is in regards to borrowing money.","start":1231.2101,"end":1234.27,"sentiment":"neutral","sentiment_score":0.04755916222929955}],"sentiment":"neutral","sentiment_score":0.08676150866917201,"num_words":14,"start":1223.915,"end":1234.27},{"sentences":[{"text":"So would you ever consider taking out a loan through Invest in stocks or funds Or mainly just for, like, property?","start":1234.49,"end":1244.605,"sentiment":"neutral","sentiment_score":0.048446288908876124},{"text":"Yep.","start":1250.105,"end":1250.605,"sentiment":"neutral","sentiment_score":0.09747403860092164},{"text":"An investment property as well, like, you'd be open through potentially?","start":1251.98,"end":1255.92,"sentiment":"neutral","sentiment_score":-0.012663003734566948},{"text":"Yeah.","start":1256.7001,"end":1257.2001,"sentiment":"neutral","sentiment_score":0.04569847881793976},{"text":"Okay.","start":1257.5,"end":1258.0,"sentiment":"neutral","sentiment_score":0.03818240016698837}],"sentiment":"neutral","sentiment_score":0.030269541245486056,"num_words":35,"start":1234.49,"end":1258.0},{"sentences":[{"text":"Yep.","start":1259.1,"end":1259.6,"sentiment":"neutral","sentiment_score":0.23646557331085205},{"text":"Now that tells me here, Daniel, that you have come out as a high growth investor, which you probably could tell from the answers, which is the portfolio we have invested in at the moment, which is good.","start":1261.02,"end":1272.585,"sentiment":"neutral","sentiment_score":0.2917567209193581},{"text":"Do you remember what it means to be a high growth investor at all?","start":1272.965,"end":1276.585,"sentiment":"neutral","sentiment_score":0.13038490765861102},{"text":"Nope.","start":1278.725,"end":1279.225,"sentiment":"neutral","sentiment_score":-0.058867551386356354},{"text":"So, essentially, it tells me that you are looking at getting as much growth out of your superannuation while you still have plenty of time until retirement.","start":1279.445,"end":1287.93,"sentiment":"neutral","sentiment_score":0.03735831297106213}],"sentiment":"neutral","sentiment_score":0.17405452560863377,"num_words":81,"start":1259.1,"end":1287.93},{"sentences":[{"text":"But at the same time that you are comfortable with and understand that there will be some short term fluctuations in order to achieve that growth.","start":1289.03,"end":1298.0349,"sentiment":"neutral","sentiment_score":0.02763080682892066},{"text":"And yeah.","start":1299.695,"end":1300.995,"sentiment":"neutral","sentiment_score":0.26653338968753815},{"text":"Perfect.","start":1301.215,"end":1301.715,"sentiment":"positive","sentiment_score":0.4979633092880249},{"text":"And when it comes to an actual asset allocation, so how your money is invested, we typically see about 90% or so invested in what we call your growth assets.","start":1301.855,"end":1312.0499,"sentiment":"neutral","sentiment_score":0.23935888061920801},{"text":"So, obviously, your Australian shares, international shares, property, and commodities, and that's ultimately what's going to grow that super for you.","start":1312.4299,"end":1319.41,"sentiment":"positive","sentiment_score":0.3623006400607881}],"sentiment":"neutral","sentiment_score":0.20673138657584786,"num_words":80,"start":1289.03,"end":1319.41},{"sentences":[{"text":"And then about 10% in your defensive, like your cash, your gold, your fixed interest, labor fluctuations a little bit, but making sure we're focused on maximizing that growth.","start":1319.71,"end":1330.6649,"sentiment":"neutral","sentiment_score":0.2372731771962396},{"text":"Does that make sense?","start":1330.6649,"end":1331.8049,"sentiment":"neutral","sentiment_score":0.2502342462539673},{"text":"Yeah.","start":1333.16,"end":1333.64,"sentiment":"neutral","sentiment_score":0.26684489846229553},{"text":"Perfect.","start":1333.64,"end":1334.14,"sentiment":"neutral","sentiment_score":0.03414634242653847},{"text":"And, also, when it comes to a time frame, we wanna make sure we have enough time in the market for all those fluctuations.","start":1334.52,"end":1339.74,"sentiment":"neutral","sentiment_score":0.06251754440988104}],"sentiment":"neutral","sentiment_score":0.16412324458360672,"num_words":59,"start":1319.71,"end":1339.74},{"sentences":[{"text":"In a high growth portfolio, ideally, we would like to see a year to retirement, which you certainly have behind you.","start":1340.6,"end":1346.9349,"sentiment":"neutral","sentiment_score":0.2459994838351295},{"text":"So from a time frame point of view, high growth is a very good option for you as long as you are still comfortable with that.","start":1346.9349,"end":1353.515,"sentiment":"positive","sentiment_score":0.41604317036958843},{"text":"Yeah.","start":1355.335,"end":1355.835,"sentiment":"neutral","sentiment_score":0.24811691045761108},{"text":"Great.","start":1355.975,"end":1356.475,"sentiment":"positive","sentiment_score":0.537738561630249},{"text":"And now the last thing here, Daniel, is do you have access to your emails at the moment, your new email address?","start":1357.575,"end":1363.01,"sentiment":"neutral","sentiment_score":0.0919989999383688}],"sentiment":"neutral","sentiment_score":0.2646893670546337,"num_words":71,"start":1340.6,"end":1363.01},{"sentences":[{"text":"Yeah.","start":1364.59,"end":1365.09,"sentiment":"neutral","sentiment_score":0.02535981312394142},{"text":"Did you yes.","start":1365.15,"end":1366.51,"sentiment":"neutral","sentiment_score":0.012700481340289116},{"text":"Did you just receive an email from myself about twenty minutes ago?","start":1366.51,"end":1371.65,"sentiment":"neutral","sentiment_score":-0.017539004795253277},{"text":"It could go in spam as well because we have just changed the software.","start":1375.645,"end":1379.265,"sentiment":"neutral","sentiment_score":-0.22021963926298277},{"text":"So if it's, like, the first time, it could go to spam.","start":1380.0449,"end":1383.905,"sentiment":"neutral","sentiment_score":-0.17252059156696}],"sentiment":"neutral","sentiment_score":-0.12619830592579784,"num_words":42,"start":1364.59,"end":1383.905},{"sentences":[{"text":"Nothing there?","start":1401.435,"end":1402.415,"sentiment":"neutral","sentiment_score":-0.12240982055664062},{"text":"Nothing's come through.","start":1410.5701,"end":1411.2101,"sentiment":"neutral","sentiment_score":-0.1988115757703781},{"text":"Let me have a look in the software for you.","start":1411.2101,"end":1416.1901,"sentiment":"neutral","sentiment_score":-0.13019275888800622},{"text":"Let me just resend it on my end to see if that answers.","start":1430.025,"end":1433.305,"sentiment":"neutral","sentiment_score":-0.09028419508383824},{"text":"Sometimes it is a little bit slow.","start":1433.305,"end":1435.245,"sentiment":"neutral","sentiment_score":-0.20818733956132615}],"sentiment":"neutral","sentiment_score":-0.1364053677235331,"num_words":35,"start":1401.435,"end":1435.245},{"sentences":[{"text":"Alright.","start":1456.635,"end":1456.955,"sentiment":"neutral","sentiment_score":-0.02984924241900444},{"text":"I'll tryna get that resent for you.","start":1456.955,"end":1459.295,"sentiment":"neutral","sentiment_score":-0.0014320659185094499},{"text":"But while I wait for that to come through, are you happy for me to start going through some of the documents while we wait so I don't keep you on the phone?","start":1459.355,"end":1466.7,"sentiment":"neutral","sentiment_score":0.002306804625373898},{"text":"Yes?","start":1468.52,"end":1469.02,"sentiment":"neutral","sentiment_score":0.21026352047920227},{"text":"Okay.","start":1469.08,"end":1469.56,"sentiment":"neutral","sentiment_score":0.2533506751060486}],"sentiment":"neutral","sentiment_score":0.011624768473814393,"num_words":43,"start":1456.635,"end":1469.56},{"sentences":[{"text":"Perfect.","start":1469.56,"end":1470.06,"sentiment":"positive","sentiment_score":0.38546156883239746},{"text":"Now let me know if it does come through.","start":1470.68,"end":1472.84,"sentiment":"neutral","sentiment_score":0.2420477287636863},{"text":"It should hopefully come through in the next couple of minutes.","start":1472.84,"end":1475.9,"sentiment":"neutral","sentiment_score":0.27007909931919794},{"text":"But what you will see, it's pretty similar to the last under review as well.","start":1477.315,"end":1482.755,"sentiment":"neutral","sentiment_score":0.17274643729130426},{"text":"Just a bit of an update on your superannuation.","start":1482.755,"end":1485.4149,"sentiment":"neutral","sentiment_score":0.15126363270812565}],"sentiment":"neutral","sentiment_score":0.2108295660879877,"num_words":45,"start":1469.56,"end":1485.4149},{"sentences":[{"text":"So you obviously have your super with hub twenty four, and you do have about a $120,049 in there.","start":1485.875,"end":1495.51,"sentiment":"neutral","sentiment_score":0.14106568184338117},{"text":"So, hopefully, you can get access sooner.","start":1496.85,"end":1498.53,"sentiment":"neutral","sentiment_score":0.2894831214632307},{"text":"You can kind of keep an eye on things a little bit more as well if it is something that you are interested in.","start":1498.53,"end":1503.75,"sentiment":"neutral","sentiment_score":0.2789088838423292},{"text":"Now what you will also see is a performance report.","start":1504.335,"end":1509.315,"sentiment":"neutral","sentiment_score":0.07231608293950557},{"text":"So that one there give you a breakdown of your current portfolio over the last twelve months.","start":1510.095,"end":1517.58,"sentiment":"neutral","sentiment_score":0.09704347568399765}],"sentiment":"neutral","sentiment_score":0.17887458355202304,"num_words":77,"start":1485.875,"end":1517.58},{"sentences":[{"text":"So it shows you all your individual investments, how they have performed over the last twelve months, and it's all after fees as well to show you.","start":1518.2999,"end":1528.1599,"sentiment":"neutral","sentiment_score":0.1455929814665406},{"text":"But, essentially, in the last twelve months, even though we have seen a bit of fluctuations in the market in the last twelve months, your portfolio has still done really well.","start":1528.86,"end":1537.485,"sentiment":"neutral","sentiment_score":0.27723718050026125},{"text":"So in the last twelve months after fee, it's still up by 12.65%, which is really good.","start":1537.785,"end":1545.3,"sentiment":"positive","sentiment_score":0.631080662502962},{"text":"Yep.","start":1547.06,"end":1547.56,"sentiment":"neutral","sentiment_score":0.2510424554347992},{"text":"Now when it actually comes to the individual investments, when you do see the email form that does come through, you can see that most of your investments have done really well, and it has been obviously, one of your investments in particular has gone crazy at the moment, which is your Global X, Better Tech, and Lithium.","start":1548.8201,"end":1569.4551,"sentiment":"neutral","sentiment_score":0.2737207872600391}],"sentiment":"neutral","sentiment_score":0.29388494383710534,"num_words":134,"start":1518.2999,"end":1569.4551},{"sentences":[{"text":"That one's up by about 99%, which is insane.","start":1569.995,"end":1573.34,"sentiment":"positive","sentiment_score":0.3649062514305115},{"text":"Obviously, with the war and everything, electric vehicles have obviously seen a bit of an increase.","start":1573.72,"end":1579.66,"sentiment":"neutral","sentiment_score":-0.04376163869164884},{"text":"So that one has been pretty crazy.","start":1579.88,"end":1581.82,"sentiment":"neutral","sentiment_score":0.04844270433698382},{"text":"But even your tech company there at 20% up, your beta shift roughly has been up by a lot.","start":1582.0399,"end":1588.46,"sentiment":"neutral","sentiment_score":0.19465131469463048},{"text":"Gold has also done really well up at about 17%.","start":1589.695,"end":1593.3949,"sentiment":"positive","sentiment_score":0.33783587962388995}],"sentiment":"neutral","sentiment_score":0.1639311926164588,"num_words":61,"start":1569.995,"end":1593.3949},{"sentences":[{"text":"Now there is one investment that I would like to look at changing for you, and that is your Benelong Australian equity fund.","start":1593.855,"end":1603.01,"sentiment":"neutral","sentiment_score":0.10502501188412956},{"text":"Are you quite familiar with the different types and styles of investments there, Daniel?","start":1603.01,"end":1607.11,"sentiment":"neutral","sentiment_score":0.03366283207599606},{"text":"Different types like direct shares, ETF, managed funds.","start":1612.13,"end":1615.67,"sentiment":"neutral","sentiment_score":0.023710949579253793},{"text":"Yeah.","start":1617.345,"end":1617.8251,"sentiment":"neutral","sentiment_score":0.026103835552930832},{"text":"Okay.","start":1617.8251,"end":1618.3251,"sentiment":"neutral","sentiment_score":0.012371690943837166}],"sentiment":"neutral","sentiment_score":0.06627697969212178,"num_words":47,"start":1593.855,"end":1618.3251},{"sentences":[{"text":"Yeah.","start":1620.545,"end":1620.865,"sentiment":"neutral","sentiment_score":0.09438381344079971},{"text":"Okay.","start":1620.865,"end":1621.105,"sentiment":"neutral","sentiment_score":0.2015402615070343},{"text":"Great.","start":1621.105,"end":1621.425,"sentiment":"positive","sentiment_score":0.5856035947799683},{"text":"Perfect.","start":1621.425,"end":1621.925,"sentiment":"positive","sentiment_score":0.5253778696060181},{"text":"So your managed fund, you have one managed fund at the moment, which is the Bennelong Australian Equities.","start":1622.7051,"end":1628.005,"sentiment":"neutral","sentiment_score":0.17473388007945484}],"sentiment":"neutral","sentiment_score":0.20691433548927307,"num_words":22,"start":1620.545,"end":1628.005},{"sentences":[{"text":"All the other investments are your ETF.","start":1628.0651,"end":1630.005,"sentiment":"neutral","sentiment_score":0.1314245866877692},{"text":"Now with the Bennelong in investments, the function, obviously, of that one is to actively buy and sell different investments in order to try to outperform the market, not really just, like, tracking the index or tracking the market.","start":1630.59,"end":1641.8099,"sentiment":"neutral","sentiment_score":0.15712862669561917},{"text":"Now when you came on board and that one has done really well, it that was why it was added to your portfolio to kind of give you that little active management component.","start":1641.95,"end":1651.975,"sentiment":"neutral","sentiment_score":0.3185252163446311},{"text":"More recently, they have underperformed a little bit.","start":1653.155,"end":1657.0,"sentiment":"neutral","sentiment_score":0.09229693561792374},{"text":"So that is one that is down at the moment.","start":1657.2999,"end":1659.88,"sentiment":"neutral","sentiment_score":-0.24767008572816848}],"sentiment":"neutral","sentiment_score":0.16310304448430993,"num_words":97,"start":1628.0651,"end":1659.88},{"sentences":[{"text":"So, obviously, the investment committee does do a lot of research on the investments all the time because we wanna make sure that we also are proactive with changes as the market and investments do change.","start":1660.66,"end":1674.585,"sentiment":"neutral","sentiment_score":0.09292683719346921},{"text":"So the good thing with Hub twenty four is you have hundreds and hundreds of different investment options to choose from, and we've done a lot of research on it.","start":1675.125,"end":1683.125,"sentiment":"positive","sentiment_score":0.43081680486599605},{"text":"And not always when any investment is down do you wanna sell if you should see it coming back around.","start":1683.125,"end":1687.9199,"sentiment":"neutral","sentiment_score":0.008868493139743805},{"text":"But with the investment, because they have been a little bit slower in making their investment choices lately, the investment committee has done a lot of research on a another suitable option to look at, just swapping that one for you.","start":1688.62,"end":1704.585,"sentiment":"neutral","sentiment_score":0.029496434076530176},{"text":"Now the one that we have looked at is your BetaShares Australia 200.","start":1705.125,"end":1710.0049,"sentiment":"neutral","sentiment_score":0.06835504048145734}],"sentiment":"neutral","sentiment_score":0.1324657819366881,"num_words":140,"start":1660.66,"end":1710.0049},{"sentences":[{"text":"Have you ever heard of that?","start":1710.0049,"end":1711.3849,"sentiment":"neutral","sentiment_score":0.028943772427737713},{"text":"No.","start":1713.86,"end":1714.36,"sentiment":"neutral","sentiment_score":-0.03222391754388809},{"text":"So, basically, because if we are looking at removing one Australian investment from your portfolio, we still wanna make sure that you do have some exposure to the Australian market.","start":1715.22,"end":1725.2999,"sentiment":"neutral","sentiment_score":0.019585963586966196},{"text":"We don't want everything in The US or everything in emerging markets or, like, we wanna make sure we keep everything very well diversified for you.","start":1725.2999,"end":1733.715,"sentiment":"neutral","sentiment_score":0.05629578229183188},{"text":"So we were looking at another Australian option to swap that one for you.","start":1733.935,"end":1738.435,"sentiment":"neutral","sentiment_score":0.08163703898234027}],"sentiment":"neutral","sentiment_score":0.043319824804830084,"num_words":77,"start":1710.0049,"end":1738.435},{"sentences":[{"text":"And keeping all the diversification and the investments will look to fit the same.","start":1738.975,"end":1743.075,"sentiment":"neutral","sentiment_score":0.10138376589332308},{"text":"Now with the a 200, so the beta shares a 200, the way that that one works is, it just invests in the 200 largest companies listed in Australia.","start":1743.51,"end":1755.37,"sentiment":"neutral","sentiment_score":0.10543488711118698},{"text":"So it's a bit more simplified in that.","start":1755.985,"end":1758.5449,"sentiment":"neutral","sentiment_score":0.12064696382731199},{"text":"It just tracks the 200 largest companies.","start":1758.5449,"end":1760.965,"sentiment":"neutral","sentiment_score":0.12148618059498924},{"text":"So as a company grows and gets bigger, it gets added to your portfolio.","start":1761.105,"end":1765.5249,"sentiment":"neutral","sentiment_score":0.19281873532703944}],"sentiment":"neutral","sentiment_score":0.12488924608462387,"num_words":72,"start":1738.975,"end":1765.5249},{"sentences":[{"text":"And, obviously, as something gets smaller, it kind of gets out of those eight two hundred.","start":1766.3049,"end":1770.325,"sentiment":"neutral","sentiment_score":0.018974641105160117},{"text":"So you don't have that same kind of active buying and selling different investments.","start":1770.8201,"end":1774.8401,"sentiment":"neutral","sentiment_score":0.03259975795767137},{"text":"But with the eight two hundred, it has performed a lot better than your Venalone investment recently.","start":1775.7001,"end":1780.76,"sentiment":"positive","sentiment_score":0.3818579947247225},{"text":"Because you don't have that same kind of active buying and selling, it's also a bit cheaper.","start":1781.3,"end":1786.425,"sentiment":"neutral","sentiment_score":0.19912863741902745},{"text":"So we have looked at swapping that one for you if that is something that you are happy with.","start":1786.965,"end":1792.985,"sentiment":"positive","sentiment_score":0.3725206726475766}],"sentiment":"neutral","sentiment_score":0.21342959513057427,"num_words":83,"start":1766.3049,"end":1792.985},{"sentences":[{"text":"That makes sense?","start":1796.085,"end":1797.145,"sentiment":"neutral","sentiment_score":0.1661907136440277},{"text":"Yep.","start":1800.3401,"end":1800.8401,"sentiment":"neutral","sentiment_score":0.2254250943660736},{"text":"Yep.","start":1801.78,"end":1802.28,"sentiment":"positive","sentiment_score":0.3492036759853363},{"text":"To do that one?","start":1803.9401,"end":1804.92,"sentiment":"neutral","sentiment_score":0.2514883689582348},{"text":"Yep.","start":1806.42,"end":1806.9,"sentiment":"neutral","sentiment_score":0.18549790978431704}],"sentiment":"neutral","sentiment_score":0.22646522969007493,"num_words":10,"start":1796.085,"end":1806.9},{"sentences":[{"text":"Okay.","start":1806.9,"end":1807.22,"sentiment":"neutral","sentiment_score":0.2341398298740387},{"text":"Beautiful.","start":1807.22,"end":1807.72,"sentiment":"positive","sentiment_score":0.5686777234077454},{"text":"Yeah.","start":1809.06,"end":1809.4601,"sentiment":"positive","sentiment_score":0.44721856713294983},{"text":"So what yes.","start":1809.4601,"end":1811.635,"sentiment":"positive","sentiment_score":0.49752811590830487},{"text":"Yes.","start":1812.1749,"end":1812.335,"sentiment":"neutral","sentiment_score":0.2408643662929535}],"sentiment":"positive","sentiment_score":0.4262121192046574,"num_words":7,"start":1806.9,"end":1812.335},{"sentences":[{"text":"Sorry.","start":1812.335,"end":1812.6549,"sentiment":"neutral","sentiment_score":0.09249640256166458},{"text":"What we what we will do is just so you have a record of the change as well, is that I will get a record of advice drawn up for you.","start":1812.6549,"end":1822.995,"sentiment":"neutral","sentiment_score":0.20481631688533292},{"text":"You don't need to sign it or anything like that, but it is just for your record to say that we have switched Ben along to 8200 for you.","start":1823.61,"end":1833.31,"sentiment":"neutral","sentiment_score":0.16766573283179054},{"text":"Yep.","start":1834.97,"end":1835.385,"sentiment":"neutral","sentiment_score":0.23286424577236176},{"text":"So you will see that in your in inbox.","start":1835.9451,"end":1838.185,"sentiment":"neutral","sentiment_score":0.31493741936153835}],"sentiment":"neutral","sentiment_score":0.20241421828387487,"num_words":71,"start":1812.335,"end":1838.185},{"sentences":[{"text":"It might be kind of mid next week, but just keep a lookout for that, and that will come through shortly.","start":1838.185,"end":1845.405,"sentiment":"neutral","sentiment_score":0.23277371270315989},{"text":"Now, Daniel, did you get the email at all by any chance?","start":1846.025,"end":1848.925,"sentiment":"neutral","sentiment_score":0.026815255948652823},{"text":"Did that come through?","start":1849.34,"end":1852.48,"sentiment":"neutral","sentiment_score":-0.011949931969866157},{"text":"Skyclimbtrees@gmail.com?","start":1865.995,"end":1868.735,"sentiment":"neutral","sentiment_score":0.0015416181413456798},{"text":"Yeah.","start":1870.3151,"end":1870.8151,"sentiment":"neutral","sentiment_score":0.005484740249812603}],"sentiment":"neutral","sentiment_score":0.13254506842722782,"num_words":39,"start":1838.185,"end":1870.8151},{"sentences":[{"text":"Yes.","start":1872.795,"end":1873.295,"sentiment":"neutral","sentiment_score":0.018903441727161407},{"text":"I just tried to check.","start":1873.675,"end":1874.975,"sentiment":"neutral","sentiment_score":0.0041632654145359995},{"text":"Yes.","start":1884.21,"end":1884.71,"sentiment":"neutral","sentiment_score":0.04107043147087097},{"text":"Yes.","start":1885.73,"end":1886.23,"sentiment":"neutral","sentiment_score":0.06815695762634277},{"text":"That's the one I have.","start":1886.45,"end":1887.6699,"sentiment":"neutral","sentiment_score":0.04551812633872032}],"sentiment":"neutral","sentiment_score":0.028964445353127442,"num_words":13,"start":1872.795,"end":1887.6699},{"sentences":[{"text":"Okay.","start":1888.405,"end":1888.905,"sentiment":"neutral","sentiment_score":0.007779283449053764},{"text":"I'll check with IT if there's a bit of an issue.","start":1889.445,"end":1894.025,"sentiment":"neutral","sentiment_score":-0.05497300836511634},{"text":"Sometimes at the end of the day, it tend to be a little bit slower, but I will follow-up when we get off the phone as well.","start":1894.245,"end":1903.14,"sentiment":"neutral","sentiment_score":-0.016642355532557877},{"text":"And if you haven't received anything, I'll follow-up with IP, and then I might get if I can't see the documents come back to me after, I might get someone to just kind of give you a quick call tomorrow potentially just to see if you got them, if you kind of got through.","start":1903.14,"end":1923.0249,"sentiment":"neutral","sentiment_score":0.06333847692305292},{"text":"Because, yeah, normally, it should be there by now, but sometimes in technology, it's great when it work.","start":1924.2849,"end":1929.9501,"sentiment":"neutral","sentiment_score":0.1338583431724045}],"sentiment":"neutral","sentiment_score":0.04309423894596261,"num_words":111,"start":1888.405,"end":1929.9501},{"sentences":[{"text":"But sometimes it's a little bit, yeah, fiddly at times.","start":1931.4501,"end":1934.99,"sentiment":"neutral","sentiment_score":-0.15580235570669174},{"text":"So yeah.","start":1935.53,"end":1937.2101,"sentiment":"neutral","sentiment_score":0.039743103086948395},{"text":"It says here it's been sent on my end, and, yes, it's the same address.","start":1937.2101,"end":1940.8301,"sentiment":"neutral","sentiment_score":0.10037940541903177},{"text":"So I'll keep a look at it, and I'll chat with IT as well when we get off the phone just to triple check.","start":1942.105,"end":1946.985,"sentiment":"neutral","sentiment_score":0.12061389985804756},{"text":"And I'll look at it tomorrow as well just to see if that came through for you.","start":1946.985,"end":1952.9249,"sentiment":"neutral","sentiment_score":0.16164491281789892}],"sentiment":"neutral","sentiment_score":0.08338015948367469,"num_words":68,"start":1931.4501,"end":1952.9249},{"sentences":[{"text":"If you do have a look at it, though, and you have any questions with anything, just let me know.","start":1953.88,"end":1959.18,"sentiment":"neutral","sentiment_score":0.2824483148753643},{"text":"The other thing I do wanna check on as well is that, obviously, you don't have any insurances at the moment.","start":1960.52,"end":1965.9,"sentiment":"neutral","sentiment_score":-0.10083771514750663},{"text":"Are you still happy with no insurances?","start":1966.36,"end":1968.62,"sentiment":"neutral","sentiment_score":-0.22432497782366617},{"text":"Yep.","start":1970.865,"end":1971.365,"sentiment":"neutral","sentiment_score":0.1961023062467575},{"text":"Yep.","start":1971.4249,"end":1971.9049,"sentiment":"neutral","sentiment_score":0.2745680809020996}],"sentiment":"neutral","sentiment_score":0.04863539643585682,"num_words":50,"start":1953.88,"end":1971.9049},{"sentences":[{"text":"Perfect.","start":1971.9049,"end":1972.4049,"sentiment":"positive","sentiment_score":0.5326417088508606},{"text":"Now what you will also see when the document does finally come through is just an updated Vanguard index chart for you.","start":1973.2649,"end":1981.7649,"sentiment":"neutral","sentiment_score":0.2565709406679327},{"text":"It's just you probably have seen something like that before, but it is just a good visual representation of what we are talking about when we speak about the market.","start":1982.3049,"end":1991.2,"sentiment":"neutral","sentiment_score":0.3019876932104429},{"text":"You can see there kind of dates back to 1995 through to 2025, and it just gives you a bit of an overview of the different market fluctuations, and it breaks down the different asset classes as well if it is something you wanna have a look at.","start":1991.4199,"end":2004.935,"sentiment":"neutral","sentiment_score":0.25953983794897795},{"text":"And then the last thing is you will also have a financial services guide.","start":2006.915,"end":2013.015,"sentiment":"neutral","sentiment_score":0.20626542610781534}],"sentiment":"neutral","sentiment_score":0.2659344468427741,"num_words":115,"start":1971.9049,"end":2013.015},{"sentences":[{"text":"It's just one of those compliance forms, but it does give you all the important information in regards to us here at OTU.","start":2013.72,"end":2019.74,"sentiment":"neutral","sentiment_score":0.27736226663641306},{"text":"None of the important information has changed, but we have done just a bit of an update to our marketing and also had a bit of an extension to the team.","start":2020.6799,"end":2029.445,"sentiment":"neutral","sentiment_score":0.12023019958888331},{"text":"So if you do wanna have a read over that, that's all included in the document for you.","start":2029.445,"end":2035.145,"sentiment":"neutral","sentiment_score":0.22048022929165098},{"text":"And if you do wanna put a face to the voice as well, I am also there on page 10.","start":2035.285,"end":2042.1849,"sentiment":"neutral","sentiment_score":0.12648412324488162},{"text":"Now the last thing it will ask you to do, if you're happy to do so when the document does come through, is that it will just ask you to sign the ongoing service agreement.","start":2045.58,"end":2056.56,"sentiment":"positive","sentiment_score":0.37856736183166506}],"sentiment":"neutral","sentiment_score":0.23507600453660243,"num_words":127,"start":2013.72,"end":2056.56},{"sentences":[{"text":"That is just to say that you are happy to stay on as a client.","start":2057.755,"end":2061.215,"sentiment":"positive","sentiment_score":0.6281390349070232},{"text":"There's no changes whatsoever in regards to the fee structure.","start":2061.755,"end":2065.775,"sentiment":"neutral","sentiment_score":0.14249709397554397},{"text":"It stays exactly the same at 1.65 from superannuation.","start":2065.835,"end":2070.1301,"sentiment":"positive","sentiment_score":0.41921143068207634},{"text":"No changes in regards to that, and there is no lock in contract.","start":2071.23,"end":2075.25,"sentiment":"neutral","sentiment_score":0.0926433578133583},{"text":"So if at any point in time, if you are not happy, it is not a lock in contract.","start":2075.47,"end":2079.73,"sentiment":"neutral","sentiment_score":0.08281935241661574}],"sentiment":"neutral","sentiment_score":0.2636044043483156,"num_words":66,"start":2057.755,"end":2079.73},{"sentences":[{"text":"Otherwise, by signing this, it just allows us to manage your investments and your accounts and everything for you in the meantime.","start":2080.35,"end":2086.2551,"sentiment":"positive","sentiment_score":0.4210730479522185},{"text":"Does that make sense?","start":2086.955,"end":2088.0151,"sentiment":"neutral","sentiment_score":0.22472590953111649},{"text":"Yep.","start":2089.3552,"end":2089.8552,"sentiment":"neutral","sentiment_score":0.2752731740474701},{"text":"Perfect.","start":2090.155,"end":2090.655,"sentiment":"positive","sentiment_score":0.5892306566238403},{"text":"Now I have also just included that change of detail form for you to get that updated.","start":2091.2751,"end":2095.915,"sentiment":"neutral","sentiment_score":0.311136972378282}],"sentiment":"positive","sentiment_score":0.36258540120389726,"num_words":45,"start":2080.35,"end":2095.915},{"sentences":[{"text":"But when I get off the phone, I'll also just check with Maddie if she received that back, and we can get that sorted, update the address, the email address, and your phone number, and then also get that.","start":2095.915,"end":2109.4402,"sentiment":"neutral","sentiment_score":0.19887471390076172},{"text":"So you can get access to your account by logging in yourself as well.","start":2109.4402,"end":2112.675,"sentiment":"neutral","sentiment_score":0.2779533884355},{"text":"Yeah.","start":2114.595,"end":2115.095,"sentiment":"positive","sentiment_score":0.4983915686607361},{"text":"Perfect.","start":2115.395,"end":2115.895,"sentiment":"positive","sentiment_score":0.5859812498092651},{"text":"Now I will also get the team to email you those beneficiary forms for Super to get that one sorted.","start":2116.195,"end":2121.875,"sentiment":"positive","sentiment_score":0.3700737923383713}],"sentiment":"neutral","sentiment_score":0.26844413260618843,"num_words":75,"start":2095.915,"end":2121.875},{"sentences":[{"text":"If you do have any questions in regards to completed it or you don't remember anything, just give me a call, and we can always go through it again.","start":2121.875,"end":2130.1501,"sentiment":"neutral","sentiment_score":0.2547178463689212},{"text":"And then the last thing is that I will send you that record of advice just to show you that one investment switch for you as well.","start":2130.61,"end":2136.87,"sentiment":"neutral","sentiment_score":0.329125941351608},{"text":"Yep.","start":2138.77,"end":2139.27,"sentiment":"neutral","sentiment_score":0.2537103295326233},{"text":"Perfect.","start":2139.665,"end":2140.165,"sentiment":"positive","sentiment_score":0.5169622898101807},{"text":"Now do you have any questions for me otherwise at this point, Daniel?","start":2140.385,"end":2144.965,"sentiment":"neutral","sentiment_score":0.0993794512290221}],"sentiment":"neutral","sentiment_score":0.25825103445791864,"num_words":71,"start":2121.875,"end":2144.965},{"sentences":[{"text":"Mhmm.","start":2157.4402,"end":2157.9402,"sentiment":"neutral","sentiment_score":-0.013162435963749886},{"text":"Yep.","start":2164.735,"end":2165.135,"sentiment":"neutral","sentiment_score":0.021447952836751934},{"text":"Okay.","start":2165.135,"end":2165.635,"sentiment":"neutral","sentiment_score":0.020009823143482208},{"text":"Yeah.","start":2166.815,"end":2167.135,"sentiment":"neutral","sentiment_score":0.07069551944732666},{"text":"I can just update that for you just to say that the goal is about 3,000 a week.","start":2167.135,"end":2171.715,"sentiment":"neutral","sentiment_score":0.11775816273358133}],"sentiment":"neutral","sentiment_score":0.10084717221219432,"num_words":22,"start":2157.4402,"end":2171.715},{"sentences":[{"text":"Yep.","start":2173.455,"end":2173.955,"sentiment":"neutral","sentiment_score":0.07766043394804001},{"text":"Okay.","start":2174.415,"end":2174.915,"sentiment":"neutral","sentiment_score":0.0616227351129055},{"text":"Yeah.","start":2178.0298,"end":2178.51,"sentiment":"neutral","sentiment_score":0.06392814218997955},{"text":"Yeah.","start":2178.51,"end":2178.91,"sentiment":"neutral","sentiment_score":0.09982080012559892},{"text":"It's got a bit of time to retire, and and you can always change it, you know, obviously, as things go.","start":2178.91,"end":2183.39,"sentiment":"neutral","sentiment_score":0.09500387204544884}],"sentiment":"neutral","sentiment_score":0.09192453697323799,"num_words":25,"start":2173.455,"end":2183.39},{"sentences":[{"text":"Because then also for a lot of people, the goal by the time you return, fix, and retire is to hopefully have the mortgage paid off.","start":2183.39,"end":2190.825,"sentiment":"neutral","sentiment_score":0.09038376363997276},{"text":"So then you won't have, obviously, the mortgage expenses, and you'll be mainly, you know, living expenses, you're gonna do some traveling, and and stuff like that.","start":2191.065,"end":2199.305,"sentiment":"neutral","sentiment_score":0.033835613548203754},{"text":"So you might find that you need a little bit less than, obviously, what you have right now with the mortgage and everything.","start":2199.305,"end":2205.4849,"sentiment":"neutral","sentiment_score":0.02744957537430784},{"text":"It just depends on, you know, how extravagant you want your retirement and everything to be.","start":2205.8901,"end":2209.6501,"sentiment":"neutral","sentiment_score":0.0350721247959882},{"text":"So I will just update that to 3,000 for now for you.","start":2209.6501,"end":2212.6301,"sentiment":"neutral","sentiment_score":0.08391188395520051}],"sentiment":"neutral","sentiment_score":0.052528617867770105,"num_words":104,"start":2183.39,"end":2212.6301},{"sentences":[{"text":"Yeah.","start":2216.85,"end":2217.35,"sentiment":"neutral","sentiment_score":0.08170285820960999},{"text":"Make it 4,000 a week?","start":2217.49,"end":2219.11,"sentiment":"neutral","sentiment_score":0.09542349725961685},{"text":"Yep.","start":2220.375,"end":2220.875,"sentiment":"neutral","sentiment_score":0.06114470213651657},{"text":"Yeah.","start":2221.815,"end":2222.315,"sentiment":"neutral","sentiment_score":0.05966285988688469},{"text":"Why not?","start":2222.375,"end":2223.195,"sentiment":"neutral","sentiment_score":0.025743603706359863}],"sentiment":"neutral","sentiment_score":0.07311151139438152,"num_words":10,"start":2216.85,"end":2223.195},{"sentences":[{"text":"It's a goal to achieve towards.","start":2223.735,"end":2225.5151,"sentiment":"neutral","sentiment_score":0.14939900736014047},{"text":"Sorry.","start":2225.655,"end":2226.055,"sentiment":"neutral","sentiment_score":-0.026268232613801956},{"text":"No.","start":2226.055,"end":2226.375,"sentiment":"neutral","sentiment_score":-0.04917780682444573},{"text":"That's all good.","start":2226.375,"end":2227.435,"sentiment":"neutral","sentiment_score":0.16367806866765022},{"text":"Yeah.","start":2227.495,"end":2227.995,"sentiment":"neutral","sentiment_score":0.11652219295501708}],"sentiment":"neutral","sentiment_score":0.11904203364004691,"num_words":12,"start":2223.735,"end":2227.995},{"sentences":[{"text":"Now, Daniel, do you have any other questions for me before I let you go and enjoy the rest of your afternoon otherwise?","start":2228.855,"end":2233.675,"sentiment":"neutral","sentiment_score":0.13044554610615192},{"text":"No?","start":2235.54,"end":2235.7002,"sentiment":"neutral","sentiment_score":0.007414484396576881},{"text":"Okay.","start":2235.7002,"end":2236.1,"sentiment":"neutral","sentiment_score":0.1765146106481552},{"text":"Beautiful.","start":2236.1,"end":2236.6,"sentiment":"positive","sentiment_score":0.5293781757354736},{"text":"Just keep a lookout for those document.","start":2236.9802,"end":2238.6602,"sentiment":"neutral","sentiment_score":0.29808294985975536}],"sentiment":"neutral","sentiment_score":0.17576168121939356,"num_words":33,"start":2228.855,"end":2238.6602},{"sentences":[{"text":"I will check with IT if there's any issues with that.","start":2238.6602,"end":2241.86,"sentiment":"neutral","sentiment_score":0.20908787711100144},{"text":"So just keep a little lookout for your emails.","start":2241.86,"end":2243.8801,"sentiment":"neutral","sentiment_score":0.258236739370558},{"text":"If you do see it come through, have a bit of a review of them, if it all makes sense, and you're happy to add the signature.","start":2244.1,"end":2250.5051,"sentiment":"positive","sentiment_score":0.36414141677044054},{"text":"You can just do it all digitally, and it will then send it back to me.","start":2250.5652,"end":2253.7651,"sentiment":"neutral","sentiment_score":0.25493194069713354},{"text":"And that also tells me that you have received the documents.","start":2253.7651,"end":2256.185,"sentiment":"neutral","sentiment_score":0.1635697213086215}],"sentiment":"neutral","sentiment_score":0.27478504785009333,"num_words":74,"start":2238.6602,"end":2256.185},{"sentences":[{"text":"Any questions, sorry, just give me a call.","start":2256.645,"end":2258.745,"sentiment":"neutral","sentiment_score":0.03912323899567127},{"text":"Yeah.","start":2260.405,"end":2260.74,"sentiment":"neutral","sentiment_score":0.08438756316900253},{"text":"Yeah.","start":2264.5,"end":2264.66,"sentiment":"neutral","sentiment_score":0.04636957123875618},{"text":"Sorry.","start":2264.66,"end":2264.98,"sentiment":"neutral","sentiment_score":0.021382145583629608},{"text":"That one is a digital digital one.","start":2264.98,"end":2267.22,"sentiment":"neutral","sentiment_score":0.07044818039451327}],"sentiment":"neutral","sentiment_score":0.05323680303990841,"num_words":18,"start":2256.645,"end":2267.22},{"sentences":[{"text":"So you can just click on the link or it says sign now.","start":2267.22,"end":2270.6,"sentiment":"neutral","sentiment_score":0.13052728313666123},{"text":"It will just ask you to add your email and your signature, And then my colleague, Whitlam, will send you, like, a separate email with the beneficiary forms.","start":2270.74,"end":2280.115,"sentiment":"neutral","sentiment_score":0.16671619111938135},{"text":"But then you will receive the the ROI directly from me, and that has all my contact details and everything on it as well.","start":2280.4148,"end":2287.47,"sentiment":"neutral","sentiment_score":0.2501062999169032},{"text":"Yeah.","start":2289.39,"end":2289.79,"sentiment":"positive","sentiment_score":0.6375340223312378},{"text":"Beautiful.","start":2289.79,"end":2290.27,"sentiment":"positive","sentiment_score":0.7765787839889526}],"sentiment":"neutral","sentiment_score":0.20569510502156926,"num_words":67,"start":2267.22,"end":2290.27},{"sentences":[{"text":"So, yeah, if there's anything you need, you can just respond to that email or just give the office a call, and we can always book you in for a bit of a catch up.","start":2290.27,"end":2296.69,"sentiment":"positive","sentiment_score":0.42483656576701573},{"text":"Yeah.","start":2298.03,"end":2298.53,"sentiment":"positive","sentiment_score":0.4947494566440582},{"text":"Beautiful.","start":2298.83,"end":2299.31,"sentiment":"positive","sentiment_score":0.7694918513298035},{"text":"Well, thank you so much for your time today, Daniel.","start":2299.31,"end":2301.7551,"sentiment":"positive","sentiment_score":0.8555512249469757},{"text":"It was lovely speaking with you, and anything you need, just let me know.","start":2301.7551,"end":2304.8152,"sentiment":"positive","sentiment_score":0.8574537464550563}],"sentiment":"positive","sentiment_score":0.6015309149124584,"num_words":61,"start":2290.27,"end":2304.8152},{"sentences":[{"text":"No worries.","start":2306.955,"end":2307.615,"sentiment":"neutral","sentiment_score":0.3241319954395294},{"text":"Yeah.","start":2307.675,"end":2308.0752,"sentiment":"neutral","sentiment_score":0.3085139989852905},{"text":"Likewise.","start":2308.0752,"end":2308.5752,"sentiment":"neutral","sentiment_score":0.20541515946388245},{"text":"We'll speak soon.","start":2308.715,"end":2309.695,"sentiment":"neutral","sentiment_score":0.20779464145501456},{"text":"Okay.","start":2311.5952,"end":2312.0952,"sentiment":"neutral","sentiment_score":0.1391477733850479}],"sentiment":"neutral","sentiment_score":0.24059060588479042,"num_words":8,"start":2306.955,"end":2312.0952},{"sentences":[{"text":"Bye.","start":2312.155,"end":2312.655,"sentiment":"neutral","sentiment_score":0.19738779962062836}],"sentiment":"neutral","sentiment_score":0.19738779962062836,"num_words":1,"start":2312.155,"end":2312.655}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Hello? Oh, good. Thanks. Yeah. Yep. Yep. Yep. It's Daniel Ashton and twelfth of fourth nineteen ninety and 344 Mango Road in Arriga. Yeah. Yeah. It's been been really good, actually. Yeah. I'm just well, I've been talking to I think it's Madison. I'm just having trouble logging in. I forgot my login details. Is that anything you can help me with? Or Yep. Yep. Yep. Okay. Ready now. One three six eight. 9584. Alright. Cool. But the only second thing is the the reset password, that email address is no longer current, and my mobile number's been like, I've had a new phone since then as well. Yeah. I've filled I've filled one of them out and and sent it back. Just a couple days ago, I'd say. Yeah. Yep. Yeah. Yeah. Yeah. That'd be great. Thank you. No. No. That's all. No. That's changed. So just single. Yep. No. No. My father. Michael Ashton. 0438 Yeah. 0438. Just one second. Just had a blank, but I've I've got it here. Yeah. 043867976 9. No. No. Still an arborist. Yep. Yeah. Yep. Yep. Yeah. Yep. Yeah. Yep. No. Just not really right now. Yeah. Yeah. Yep. Same vehicle. Yep. No. No. Yes. Correct. Same. Yep. Yep. That's right. Yeah. It's just gone to 40,000. Yep. Yeah. Yeah. Just that Comsec. Yeah. Yep. A house. Just yeah. Like yeah. Yeah. Bought a house. Obviously, got a loan from the bank. I didn't buy it outright. But yeah. 650,000 is what I paid for it. About 400,000. No. That's the that's the one. A year. About a year ago. Just under one year. No. An excavator. I bought an excavator for work, so I've got that financed as well. Yeah. Yep. That's through the business PTY LTD. Yeah. Yes. Yep. No. No. Nothing. No. No. What is it? No. Not through an accountant. Yep. Yeah. Yes. Okay. Cool. Yeah. Yeah. Yep. It does. No. Yep. Yeah. Okay. Yeah. Oh, just just leave it for now. Yeah. Just leave it for now, actually. Yeah. Yeah. That's bad. Yeah. No. Mhmm. Yes. Okay. Yeah. Yeah. Yeah. All good. I I could get I could get access to a a printer. Yeah. Yeah. I can get Office Works. Yep. Yeah. Okeydoke. No. No. It's all good. Just, I guess, just, yeah, doing up the farm or so. Maybe try and generate some income off off it as well. It's just like a bush bushland at the moment. So I don't have any animals, like, any, like, cows or stuff. But yeah. So just, yeah, maybe, clear some bush and, yeah, get some cows or whatever or build some, like, stone houses because there's lots of stone around the property and maybe make an MB or something. Yeah. Not not so so much. Just, yeah, just really focused on, I guess, just, yeah, the farm just building building it up, trying to create something nice. Yep. Yeah. More. I'd bump bump that up, say, 2,000 a week now. Yeah. Just repeat that that question again. Sorry. This is the question. What yeah. Risk. Yeah. Yeah. Yep. Yeah. Yeah. Let's go. Let's go very high risk. Yeah. Yeah. Yep. Let's just say the first option. Yeah? Yep. Yeah. Invest heavily. Like, yeah, like, the way I think is if you've done your research and you think, you know, it's it's a pretty, like, sure thing or something, like and you just the best of your your knowledge and and stuff and go all in. Yeah. No. Optimistic. Yeah. The first one, for sure. I like to just try to be that, yes, in all aspects of life. Yeah. More more so property because yeah. Yeah. I don't I'm yeah. Yeah. Investment properties. Yeah. No. Yeah. Yeah. Yep. That's right. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. The SkyClone. Yep. I'm just checking. Okay. I'll go there. No. It's not in spam. I'll go back to the primary folder. No. Nothing's nothing's come through. No. Yeah. Yeah. Yeah. That's all good. Yeah. Yep. Yep. Cool. Okay. Of the different styles of investments? Oh, yeah. Yeah. Yeah. I've got a a bit of an understanding between all that. Yeah. Yep. Okay. No. I haven't heard of them. No. Okay. Yeah. Yeah. No. No. That's fine. Yeah. I trust your your judgment as, like, you you do the research sort of thing. So, yeah, I'm happy for you to to swap them out if you if you need. Yeah. If you feel feel yep. It's beneficial. Yeah. Yep. Cool. Yeah. No. I just checked. I got an email or a reply from Madison that's just come through, but, yeah, there's there's no nothing else has come through. Is it skyclimbtrees@gmail.com? Is that where it's trying to get sent to, is it? Yeah. Yeah. Is that the email address you're sending it to? Yeah. And and it's it's spelled skyclimbtrees@gmail.com. Yep. Okay. Mhmm. Yeah. Cool. Yeah. That's fine. Yep. Okay. Okay. Cool. Cool. Yeah. Yep. Yeah. That'd be great. Yep. Okay. I just popped in my head. I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by the time that time comes around, like, it'd probably be better for $3,000 a week in the future with inflation. So yeah. Yeah. Well, in in that manner in that manner. Yeah. That many years. Yeah. Yeah. Yeah. Yeah. Make it make it 4,000. Yeah. Yeah. Let's just yeah. Sit it out there for now. Yeah. That's it. No. That's all. Yeah. That's all good. Yeah. Cool. And all your details will be at the bottom of the email or whatnot? Cool. Yeah. Awesome. Yeah. Cool. Thanks very much. It's Been a pleasure. Okey doke. 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Yeah. Hello? Oh, good. Thanks.\n\nYeah. Yep. Yep. Yep. It's Daniel Ashton and twelfth of fourth nineteen ninety and 344 Mango Road in Arriga.\n\nYeah. Yeah. It's been been really good, actually. Yeah. I'm just well, I've been talking to I think it's Madison.\n\nI'm just having trouble logging in. I forgot my login details. Is that anything you can help me with? Or Yep. Yep.\n\nYep. Okay. Ready now. One three six eight. 9584.\n\nAlright. Cool. But the only second thing is the the reset password, that email address is no longer current, and my mobile number's been like, I've had a new phone since then as well. Yeah. I've filled I've filled one of them out and and sent it back.\n\nJust a couple days ago, I'd say. Yeah. Yep. Yeah. Yeah.\n\nYeah. That'd be great. Thank you. No. No.\n\nThat's all. No. That's changed. So just single. Yep.\n\nNo. No. My father. Michael Ashton. 0438 Yeah.\n\n0438. Just one second. Just had a blank, but I've I've got it here. Yeah. 043867976 9.\n\nNo. No. Still an arborist. Yep. Yeah.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nYep. No. Just not really right now. Yeah. Yeah.\n\nYep. Same vehicle. Yep. No. No.\n\nYes. Correct. Same. Yep. Yep.\n\nThat's right. Yeah. It's just gone to 40,000. Yep. Yeah.\n\nYeah. Just that Comsec. Yeah. Yep. A house.\n\nJust yeah. Like yeah. Yeah. Bought a house. Obviously, got a loan from the bank.\n\nI didn't buy it outright. But yeah. 650,000 is what I paid for it. About 400,000. No.\n\nThat's the that's the one. A year. About a year ago. Just under one year. No.\n\nAn excavator. I bought an excavator for work, so I've got that financed as well. Yeah. Yep. That's through the business PTY LTD.\n\nYeah. Yes. Yep. No. No.\n\nNothing. No. No. What is it? No.\n\nNot through an accountant. Yep. Yeah. Yes. Okay.\n\nCool. Yeah. Yeah. Yep. It does.\n\nNo. Yep. Yeah. Okay. Yeah.\n\nOh, just just leave it for now. Yeah. Just leave it for now, actually. Yeah. Yeah.\n\nThat's bad. Yeah. No. Mhmm. Yes.\n\nOkay. Yeah. Yeah. Yeah. All good.\n\nI I could get I could get access to a a printer. Yeah. Yeah. I can get Office Works. Yep.\n\nYeah. Okeydoke. No. No. It's all good.\n\nJust, I guess, just, yeah, doing up the farm or so. Maybe try and generate some income off off it as well. It's just like a bush bushland at the moment. So I don't have any animals, like, any, like, cows or stuff. But yeah.\n\nSo just, yeah, maybe, clear some bush and, yeah, get some cows or whatever or build some, like, stone houses because there's lots of stone around the property and maybe make an MB or something. Yeah. Not not so so much. Just, yeah, just really focused on, I guess, just, yeah, the farm just building building it up, trying to create something nice. Yep.\n\nYeah. More. I'd bump bump that up, say, 2,000 a week now. Yeah. Just repeat that that question again.\n\nSorry. This is the question. What yeah. Risk. Yeah.\n\nYeah. Yep. Yeah. Yeah. Let's go.\n\nLet's go very high risk. Yeah. Yeah. Yep. Let's just say the first option.\n\nYeah? Yep. Yeah. Invest heavily. Like, yeah, like, the way I think is if you've done your research and you think, you know, it's it's a pretty, like, sure thing or something, like and you just the best of your your knowledge and and stuff and go all in.\n\nYeah. No. Optimistic. Yeah. The first one, for sure.\n\nI like to just try to be that, yes, in all aspects of life. Yeah. More more so property because yeah. Yeah. I don't I'm yeah.\n\nYeah. Investment properties. Yeah. No. Yeah.\n\nYeah. Yep. That's right. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nThe SkyClone. Yep. I'm just checking. Okay. I'll go there.\n\nNo. It's not in spam. I'll go back to the primary folder. No. Nothing's nothing's come through.\n\nNo. Yeah. Yeah. Yeah. That's all good.\n\nYeah. Yep. Yep. Cool. Okay.\n\nOf the different styles of investments? Oh, yeah. Yeah. Yeah. I've got a a bit of an understanding between all that.\n\nYeah. Yep. Okay. No. I haven't heard of them.\n\nNo. Okay. Yeah. Yeah. No.\n\nNo. That's fine. Yeah. I trust your your judgment as, like, you you do the research sort of thing. So, yeah, I'm happy for you to to swap them out if you if you need.\n\nYeah. If you feel feel yep. It's beneficial. Yeah. Yep.\n\nCool. Yeah. No. I just checked. I got an email or a reply from Madison that's just come through, but, yeah, there's there's no nothing else has come through.\n\nIs it skyclimbtrees@gmail.com? Is that where it's trying to get sent to, is it? Yeah. Yeah. Is that the email address you're sending it to?\n\nYeah. And and it's it's spelled skyclimbtrees@gmail.com. Yep. Okay. Mhmm.\n\nYeah. Cool. Yeah. That's fine. Yep.\n\nOkay. Okay. Cool. Cool. Yeah.\n\nYep. Yeah. That'd be great. Yep. Okay.\n\nI just popped in my head. I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by the time that time comes around, like, it'd probably be better for $3,000 a week in the future with inflation. So yeah. Yeah. Well, in in that manner in that manner.\n\nYeah. That many years. Yeah. Yeah. Yeah.\n\nYeah. Make it make it 4,000. Yeah. Yeah. Let's just yeah.\n\nSit it out there for now. Yeah. That's it. No. That's all.\n\nYeah. That's all good. Yeah. Cool. And all your details will be at the bottom of the email or whatnot?\n\nCool. Yeah. Awesome. Yeah. Cool.\n\nThanks very much. It's Been a pleasure. Okey doke. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.050174083560705185},{"text":"Yeah.","start":5.3599997,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.05994314327836037},{"text":"Hello?","start":5.8399997,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.05752120167016983},{"text":"Oh, 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fine.","start":1795.02,"end":1795.8401,"sentiment":"neutral","sentiment_score":0.0767408013343811},{"text":"Yeah.","start":1796.4601,"end":1796.7001,"sentiment":"neutral","sentiment_score":0.1518753319978714},{"text":"I trust your your judgment as, like, you you do the research sort of thing.","start":1796.7001,"end":1800.4601,"sentiment":"neutral","sentiment_score":0.2424699271718661},{"text":"So, yeah, I'm happy for you to to swap them out if you if you need.","start":1800.4601,"end":1805.875,"sentiment":"positive","sentiment_score":0.35713765816763043}],"sentiment":"neutral","sentiment_score":0.27429966298597197,"num_words":35,"start":1794.8601,"end":1805.875},{"sentences":[{"text":"Yeah.","start":1805.875,"end":1806.375,"sentiment":"neutral","sentiment_score":0.1845152378082275},{"text":"If you feel feel yep.","start":1806.755,"end":1808.455,"sentiment":"positive","sentiment_score":0.3722118854522705},{"text":"It's beneficial.","start":1809.1549,"end":1809.975,"sentiment":"positive","sentiment_score":0.6184309720993042},{"text":"Yeah.","start":1834.175,"end":1834.655,"sentiment":"neutral","sentiment_score":0.1460045576095581},{"text":"Yep.","start":1834.655,"end":1835.155,"sentiment":"neutral","sentiment_score":0.15563911199569702}],"sentiment":"positive","sentiment_score":0.3584080278873444,"num_words":10,"start":1805.875,"end":1835.155},{"sentences":[{"text":"Cool.","start":1835.375,"end":1835.875,"sentiment":"positive","sentiment_score":0.3906024694442749},{"text":"Yeah.","start":1848.99,"end":1849.49,"sentiment":"neutral","sentiment_score":0.00824042595922947},{"text":"No.","start":1849.7899,"end":1850.11,"sentiment":"neutral","sentiment_score":-0.05456666648387909},{"text":"I just checked.","start":1850.11,"end":1850.9099,"sentiment":"neutral","sentiment_score":-0.06880251814921697},{"text":"I got an email or a reply from Madison that's just come through, but, yeah, there's there's no nothing else has come through.","start":1850.9099,"end":1859.095,"sentiment":"neutral","sentiment_score":-0.04364683819205865}],"sentiment":"neutral","sentiment_score":-0.029862365653288776,"num_words":29,"start":1835.375,"end":1859.095},{"sentences":[{"text":"Is it skyclimbtrees@gmail.com?","start":1859.635,"end":1862.755,"sentiment":"neutral","sentiment_score":-0.005853691371157765},{"text":"Is that where it's trying to get sent to, is it?","start":1862.755,"end":1865.4149,"sentiment":"neutral","sentiment_score":-0.017128305594352158},{"text":"Yeah.","start":1869.155,"end":1869.5549,"sentiment":"neutral","sentiment_score":0.007186528295278549},{"text":"Yeah.","start":1869.5549,"end":1869.9,"sentiment":"neutral","sentiment_score":0.005897786468267441},{"text":"Is that the email address you're sending it to?","start":1870.14,"end":1872.4,"sentiment":"neutral","sentiment_score":-0.005274715522925059}],"sentiment":"neutral","sentiment_score":-0.009614422423765064,"num_words":25,"start":1859.635,"end":1872.4},{"sentences":[{"text":"Yeah.","start":1873.74,"end":1873.98,"sentiment":"neutral","sentiment_score":0.015774425119161606},{"text":"And and it's it's spelled skyclimbtrees@gmail.com.","start":1873.98,"end":1885.2649,"sentiment":"neutral","sentiment_score":0.005658243685805549},{"text":"Yep.","start":1885.565,"end":1886.065,"sentiment":"neutral","sentiment_score":0.04394673928618431},{"text":"Okay.","start":1886.9249,"end":1887.4249,"sentiment":"neutral","sentiment_score":0.06559345871210098},{"text":"Mhmm.","start":1923.61,"end":1924.11,"sentiment":"neutral","sentiment_score":0.04593365639448166}],"sentiment":"neutral","sentiment_score":0.020519774162676186,"num_words":10,"start":1873.74,"end":1924.11},{"sentences":[{"text":"Yeah.","start":1936.025,"end":1936.525,"sentiment":"neutral","sentiment_score":0.02971702627837658},{"text":"Cool.","start":1953.56,"end":1954.06,"sentiment":"positive","sentiment_score":0.4531002342700958},{"text":"Yeah.","start":1969.735,"end":1970.055,"sentiment":"neutral","sentiment_score":0.05986184626817703},{"text":"That's fine.","start":1970.055,"end":1970.76,"sentiment":"neutral","sentiment_score":0.18241121619939804},{"text":"Yep.","start":2005.95,"end":2006.43,"sentiment":"neutral","sentiment_score":0.15914824604988098}],"sentiment":"neutral","sentiment_score":0.17777496421088776,"num_words":6,"start":1936.025,"end":2006.43},{"sentences":[{"text":"Okay.","start":2006.43,"end":2006.93,"sentiment":"neutral","sentiment_score":0.18285152316093445},{"text":"Okay.","start":2043.035,"end":2043.535,"sentiment":"neutral","sentiment_score":0.3217897415161133},{"text":"Cool.","start":2043.5951,"end":2044.0951,"sentiment":"positive","sentiment_score":0.6448760032653809},{"text":"Cool.","start":2044.2351,"end":2044.7351,"sentiment":"positive","sentiment_score":0.5799385905265808},{"text":"Yeah.","start":2088.455,"end":2088.935,"sentiment":"neutral","sentiment_score":0.1825319826602936}],"sentiment":"positive","sentiment_score":0.3823975682258606,"num_words":5,"start":2006.43,"end":2088.935},{"sentences":[{"text":"Yep.","start":2088.935,"end":2089.435,"sentiment":"neutral","sentiment_score":0.2066348493099213},{"text":"Yeah.","start":2113.205,"end":2113.605,"sentiment":"positive","sentiment_score":0.411067247390747},{"text":"That'd be great.","start":2113.605,"end":2114.585,"sentiment":"positive","sentiment_score":0.6149255434672037},{"text":"Yep.","start":2137.9849,"end":2138.305,"sentiment":"neutral","sentiment_score":0.1630862057209015},{"text":"Okay.","start":2138.305,"end":2138.805,"sentiment":"neutral","sentiment_score":0.1960790753364563}],"sentiment":"positive","sentiment_score":0.4030920011656625,"num_words":7,"start":2088.935,"end":2138.805},{"sentences":[{"text":"I just popped in my head.","start":2146.9448,"end":2148.065,"sentiment":"neutral","sentiment_score":-0.03306197212077677},{"text":"I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by the time that time comes around, like, it'd probably be better for $3,000 a week in the future with inflation.","start":2148.065,"end":2165.995,"sentiment":"neutral","sentiment_score":-0.005556226314769851},{"text":"So yeah.","start":2166.935,"end":2173.0352,"sentiment":"neutral","sentiment_score":0.08483919128775597},{"text":"Yeah.","start":2173.5752,"end":2173.975,"sentiment":"neutral","sentiment_score":0.07231667637825012},{"text":"Well, in in that manner in that manner.","start":2173.975,"end":2176.235,"sentiment":"neutral","sentiment_score":0.05949135636910796}],"sentiment":"neutral","sentiment_score":0.004347159564795513,"num_words":62,"start":2146.9448,"end":2176.235},{"sentences":[{"text":"Yeah.","start":2176.2952,"end":2176.5352,"sentiment":"neutral","sentiment_score":0.0528426505625248},{"text":"That many years.","start":2176.5352,"end":2177.5952,"sentiment":"neutral","sentiment_score":0.04264125724633535},{"text":"Yeah.","start":2178.27,"end":2178.77,"sentiment":"neutral","sentiment_score":0.07735039293766022},{"text":"Yeah.","start":2191.47,"end":2191.97,"sentiment":"neutral","sentiment_score":0.06268156319856644},{"text":"Yeah.","start":2213.86,"end":2214.36,"sentiment":"neutral","sentiment_score":0.05809062719345093}],"sentiment":"neutral","sentiment_score":0.05412700080445835,"num_words":7,"start":2176.2952,"end":2214.36},{"sentences":[{"text":"Yeah.","start":2214.58,"end":2215.08,"sentiment":"neutral","sentiment_score":0.06451372802257538},{"text":"Make it make it 4,000.","start":2215.3801,"end":2217.08,"sentiment":"neutral","sentiment_score":0.12826015055179596},{"text":"Yeah.","start":2219.425,"end":2219.905,"sentiment":"neutral","sentiment_score":0.05323590338230133},{"text":"Yeah.","start":2219.905,"end":2220.305,"sentiment":"neutral","sentiment_score":0.057119645178318024},{"text":"Let's just yeah.","start":2220.305,"end":2221.265,"sentiment":"neutral","sentiment_score":0.05538924038410187}],"sentiment":"neutral","sentiment_score":0.08930343186313455,"num_words":11,"start":2214.58,"end":2221.265},{"sentences":[{"text":"Sit it out there for now.","start":2221.265,"end":2222.725,"sentiment":"neutral","sentiment_score":0.07622734643518925},{"text":"Yeah.","start":2223.665,"end":2224.165,"sentiment":"neutral","sentiment_score":0.0900970995426178},{"text":"That's it.","start":2226.225,"end":2226.965,"sentiment":"neutral","sentiment_score":0.004725517705082893},{"text":"No.","start":2234.32,"end":2234.56,"sentiment":"neutral","sentiment_score":-0.012373617850244044},{"text":"That's all.","start":2234.56,"end":2235.12,"sentiment":"neutral","sentiment_score":0.00432836776599288}],"sentiment":"neutral","sentiment_score":0.0460996109371384,"num_words":12,"start":2221.265,"end":2235.12},{"sentences":[{"text":"Yeah.","start":2235.12,"end":2235.36,"sentiment":"neutral","sentiment_score":0.021864881739020348},{"text":"That's all good.","start":2235.36,"end":2236.4202,"sentiment":"neutral","sentiment_score":0.1207923657881717},{"text":"Yeah.","start":2259.3699,"end":2259.77,"sentiment":"neutral","sentiment_score":0.199795663356781},{"text":"Cool.","start":2259.77,"end":2260.01,"sentiment":"positive","sentiment_score":0.3851209282875061},{"text":"And all your details will be at the bottom of the email or whatnot?","start":2260.01,"end":2263.39,"sentiment":"neutral","sentiment_score":0.10446847602725029}],"sentiment":"neutral","sentiment_score":0.12158586175646632,"num_words":20,"start":2235.12,"end":2263.39},{"sentences":[{"text":"Cool.","start":2288.28,"end":2288.78,"sentiment":"positive","sentiment_score":0.5815040469169617},{"text":"Yeah.","start":2288.8398,"end":2289.3198,"sentiment":"positive","sentiment_score":0.5299583077430725},{"text":"Awesome.","start":2289.3198,"end":2289.8198,"sentiment":"positive","sentiment_score":0.752953290939331},{"text":"Yeah.","start":2297.175,"end":2297.675,"sentiment":"positive","sentiment_score":0.3437802195549011},{"text":"Cool.","start":2297.735,"end":2298.235,"sentiment":"positive","sentiment_score":0.5472205877304077}],"sentiment":"positive","sentiment_score":0.5510832905769348,"num_words":5,"start":2288.28,"end":2298.235},{"sentences":[{"text":"Thanks very much.","start":2305.175,"end":2306.135,"sentiment":"positive","sentiment_score":0.8693147897720337},{"text":"It's Been a pleasure.","start":2306.135,"end":2307.07,"sentiment":"positive","sentiment_score":0.8108700960874557},{"text":"Okey doke.","start":2310.41,"end":2311.23,"sentiment":"neutral","sentiment_score":0.12524087727069855},{"text":"See you.","start":2313.29,"end":2313.95,"sentiment":"neutral","sentiment_score":0.09401055425405502}],"sentiment":"positive","sentiment_score":0.5718116015195847,"num_words":11,"start":2305.175,"end":2313.95}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Daniel?\n\nChannel 1: Yeah. Hello?\n\nChannel 0: Yeah. This is Veronica from Rickview Financial. How are you this afternoon?\n\nChannel 1: Oh, good. Thanks.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. It's Daniel Ashton and twelfth of fourth nineteen ninety and\n\nChannel 0: Yep.\n\nChannel 1: 344 Mango Road in Arriga.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: Yeah. Yeah. It's been\n\nChannel 0: Yeah.\n\nChannel 1: been really good, actually. Yeah.\n\nChannel 0: Oh, good. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at.\n\nChannel 1: I'm just well, I've been talking to I think it's Madison. I'm just having trouble logging in. I forgot my login details.\n\nChannel 0: Okay.\n\nChannel 1: Is that anything you can help me with? Or\n\nChannel 0: Yes and no. I can provide you with your login ID for you to write down, then you just have to do your password yourself. You can just, like, forget password. But do you have access to writing down your number for me? Your login ID\n\nChannel 1: Yep.\n\nChannel 0: anywhere?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So so when you do log in to the app, and it is a bit complex because it sometimes forces you to log out every time because I have the same I use Hub twenty four for my super as well, and sometimes there's a little bit of that. But what you need is your login ID. So let me know when you're ready, and I'll just read it out to you.\n\nChannel 1: Yep. Okay. Ready now.\n\nChannel 0: Yeah. Sorry. 1368,\n\nChannel 1: One three six eight.\n\nChannel 0: Yeah. 9584.\n\nChannel 1: 9584.\n\nChannel 0: Yep. So when you go into the app and you put that in, you can then just do, like, forget forgot password, and you can just reset your password, and that is all you need to log in.\n\nChannel 1: Alright. Cool. But the only second thing is the the reset password, that email address is no longer current, and my\n\nChannel 0: Yes.\n\nChannel 1: mobile number's been like, I've had a new phone since then as well.\n\nChannel 0: Now let me have a look. So part of the document today is that I have included a change of detail form\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: I've\n\nChannel 0: we are\n\nChannel 1: filled\n\nChannel 0: up\n\nChannel 1: I've\n\nChannel 0: here.\n\nChannel 1: filled one of them out and and sent it back.\n\nChannel 0: Okay. Let me follow-up. When did you send that back?\n\nChannel 1: Just a couple days ago, I'd say.\n\nChannel 0: Okay. Let me was it Madison you spoke to?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. I will have a look and see if I can see it. But if not, I have this included, just a digital sign signature of one anyway, just in case, and that is just to change the the email address there for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: That way, as soon as we can get that one updated, same with their phone number there for you, once that's updated, you can then reset your password and get into access to your account.\n\nChannel 1: Yeah. That'd be great. Thank you.\n\nChannel 0: Yep. No problem at all. Was there any other questions you had otherwise?\n\nChannel 1: No. No. That's all.\n\nChannel 0: No? That's all. Alright. Perfect. So what I might do first is to just run through just a bit of an update at FactFone with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all.\n\nSo just kind of bear with me as I run through this information. Now I can see here some personal information that you are in a de facto relationship. Is that correct?\n\nChannel 1: No. That's changed. So just\n\nChannel 0: That's changed. Single.\n\nChannel 1: single.\n\nChannel 0: And do you\n\nChannel 1: Yep.\n\nChannel 0: have any financial dependence at home? No. Perfect.\n\nChannel 1: No. No.\n\nChannel 0: Now when it actually comes to a next of 10, so someone that we can contact in the event that something were to happen to you, who would you like to nominate for that? And that can be anybody.\n\nChannel 1: My father.\n\nChannel 0: Yep. Perfect. And what's his name, please?\n\nChannel 1: Michael Ashton.\n\nChannel 0: Michael Ashton. Beautiful. And best contact number?\n\nChannel 1: 0438\n\nChannel 0: Three eight. Yep.\n\nChannel 1: Yeah. 0438. Just one second. Just had\n\nChannel 0: Yeah.\n\nChannel 1: a blank,\n\nChannel 0: Sure.\n\nChannel 1: but I've I've got\n\nChannel 0: No. Good. I was, like, pretty impressive if you remember that anyway.\n\nChannel 1: it here. Yeah. 043867976\n\nChannel 0: Yep.\n\nChannel 1: 9.\n\nChannel 0: 769. Perfect. Occupation wise, has any of that changed for you, Daniel?\n\nChannel 1: No. No. Still an\n\nChannel 0: No.\n\nChannel 1: arborist.\n\nChannel 0: Don't don't.\n\nChannel 1: Yep.\n\nChannel 0: Yep. You're still liking it?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yes. And still working, like, self employed?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now I have income here of around 150,000. Is that still the case?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. And I have expenses of around $200 and savings about 500 a week. Is that correct?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. And at the moment,\n\nChannel 1: No.\n\nChannel 0: you are not making any contributions through superannuation? No. Is that something you are planning on or not really right now with work and everything?\n\nChannel 1: Just not really right now.\n\nChannel 0: Yep. No. That's all good. Now assets wise, I have here a motor vehicle right at about 80,000. Is that still okay?\n\nChannel 1: Yeah. Yeah. Yep. Same vehicle.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: K. And you don't have anything owing on that one, do you?\n\nChannel 1: No. No.\n\nChannel 0: No. Also, a motor vehicle at about 20,000. Sorry. Motorbike.\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yes.\n\nChannel 1: Same. Yep. Yep. That's right.\n\nChannel 0: And also a share portfolio of about 20,000.\n\nChannel 1: Yeah. It's just gone to 40,000. Yep.\n\nChannel 0: Perfect. 40,000. And do you just have that on, like, a trading platform? Or\n\nChannel 1: Yeah. Yeah. Just\n\nChannel 0: yep.\n\nChannel 1: that Comsec. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: Yep.\n\nChannel 0: yeah. Perfect. Any other new assets or anything we haven't gone over?\n\nChannel 1: A house. Just\n\nChannel 0: Oh, Did\n\nChannel 1: yeah.\n\nChannel 0: you buy\n\nChannel 1: Like\n\nChannel 0: a house?\n\nChannel 1: yeah. Yeah. Bought a house. Obviously, got a loan from the bank. I didn't buy it outright.\n\nBut\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. Oh, that's nice. And how much is the property valued at?\n\nChannel 1: 650,000 is what I paid for it.\n\nChannel 0: Perfect. And do you know how much is on the mortgage?\n\nChannel 1: About 400,000.\n\nChannel 0: About 400. Perfect. And is it because I know when we spoke last time for your interview, you were kind of looking at potentially buying a farm with some land. Is that the property you bought, or did you buy something differently?\n\nChannel 1: No. That's the that's the one.\n\nChannel 0: Oh, yep. Beautiful. And when did you move into there?\n\nChannel 1: A year. About a year ago. Just under one year.\n\nChannel 0: Oh, yeah. Nice. Any other changes?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Any other liabilities aside from the mortgage and in the personal loans credit card tip to pay?\n\nChannel 1: An excavator. I bought an excavator for work, so I've got that financed as well.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: is that held through, like, the business or are you a sole trader?\n\nChannel 1: That's through the business PTY\n\nChannel 0: Yeah.\n\nChannel 1: LTD.\n\nChannel 0: Perfect. Health and lifestyle wise, have you done here as a nonsmoker? Is that still the case?\n\nChannel 1: Yeah. Yes. Yep.\n\nChannel 0: Yeah. And have you had any changes to your health in the last twelve months? Any injuries or issues or anything?\n\nChannel 1: No. No. Nothing.\n\nChannel 0: No. No. Perfect. And do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: No. And do you know as well about the medical levy surcharge if you don't have private health insurance, like, hospital covers as a high income earner. Have you heard of that before?\n\nChannel 1: No. What is it?\n\nChannel 0: Yeah. Sorry. Do you normally do your tax return yourself, or\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: Not\n\nChannel 0: that\n\nChannel 1: through\n\nChannel 0: something\n\nChannel 1: an accountant.\n\nChannel 0: okay. Yeah. So they will be able to to tell you how much if it if it is. But, usually, with the the medical levy surcharge, it is designed where if you do not have private health insurance with relevant hospital cover, they will get you to pay additional tax as a result. So it is worth considering when you do speak to your accountant\n\nChannel 1: Yep.\n\nChannel 0: because for this financial year, if your income is less so for a single person, if the income is less than 101,000, you don't have to pay anything. But if it's over that, there is a medical levy surcharge that can apply. So\n\nChannel 1: Yeah.\n\nChannel 0: just have have it in the back of your mind. Sometimes it still works out that people are like, oh, well, it's the medical levy surcharge is cheaper than the private health insurance. I won't worry about it. But sometimes, obviously, with a higher income, it could be that it's more beneficial to have the private health than what you are paying or can be very similar. So it is worth\n\nChannel 1: Yes.\n\nChannel 0: looking at. So when you do speak to your accountant, they'd be able to calculate if you are paying medical levy surcharge, how much it is. And then that way, you can go and if you want to check, obviously, private health, get some quotes, and then you can compare yourself with that as well.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yeah. Does that make sense?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: It does.\n\nChannel 0: Perfect. Otherwise, estate planning wise, do you have a will or power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: No. Now when it comes to your beneficiaries for your super as well, at the moment, I have Dorothy at 50% and then\n\nChannel 1: Yep.\n\nChannel 0: Michael at 50%. I do\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Okay.\n\nChannel 0: here Dorothy as his spouse. Would you like to change that?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, just just leave it for now.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Just leave it for now, actually.\n\nChannel 0: And because your only thing as well that if it is not her spouse and you have nominated it, if something were to happen to you, obviously, that will get assessed at the time. And if the person does not qualify because, basically, with the superannuation legislation, they are quite strict on who you can actually nominate directly through super to make it a valid nomination. So the only people that you can nominate directly is a a spouse, a child, or a financial dependent, or someone\n\nChannel 1: Yeah.\n\nChannel 0: who you are in a interdependency relationship. So\n\nChannel 1: Yeah.\n\nChannel 0: with Michael, I have him as other dependent. Is that your dad?\n\nChannel 1: That's bad. Yeah.\n\nChannel 0: Yeah. And do you live with him, or does he rely on you financially?\n\nChannel 1: No.\n\nChannel 0: No. So what we have to do then, if you wanna make sure you give it to you that which you definitely can still do, we would just have to restructure it. Because often, there's a lot of people who want to give it to their their parents or siblings or nephews and nieces, so not anyone in those categories.\n\nChannel 1: Mhmm.\n\nChannel 0: What we would have to do is we would change it on the forms to say that you want a 100% to go through your legal personal representative. Basically, it's just a fancy will just saying that something were to happen, it will revert to your will. You will have to get a will sorted, though. And then in the will, you can stipulate that you would like it to go through Michael. And if you want it to go to Dorothy as well, if that person is no longer your spouse or you wanna give it to that person, you can still do it because it's not the same, like, requirement.\n\nYou can give it to anybody who you want in the world, just not directly\n\nChannel 1: Yes.\n\nChannel 0: through super.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense? They do make it a bit complicated that way, but I do wanna make sure if they're gonna have to do that it will actually go to who you want it to go through and not that the student will turn around and say, well, they don't need the definition. Therefore, it's now gonna go to this site, and then anyone can make a claim for it.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. All good.\n\nChannel 0: Now, Daniel, do you have access to a printer, or do you prefer post?\n\nChannel 1: I\n\nChannel 0: Completely\n\nChannel 1: I could\n\nChannel 0: up\n\nChannel 1: get\n\nChannel 0: to you.\n\nChannel 1: I could get access to a a printer. Yeah. Yeah. I can get\n\nChannel 0: Yeah.\n\nChannel 1: Office Works.\n\nChannel 0: Okay. Because what I can do is I can get the team to resend these forms for you, so for your superannuation, and\n\nChannel 1: Yep.\n\nChannel 0: they can email that to you. And then when you have a moment, obviously, have a think about who you wanna nominate and send it back to us. It just has to be obviously, because you are making a legal nomination, just have to be printed and website, and then send it back to us. And then have a think of a a will as well if you do wanna give it to someone who doesn't fall into the category.\n\nChannel 1: Yeah. Okeydoke.\n\nChannel 0: Do you have any questions in regards to that?\n\nChannel 1: No. No. It's all good.\n\nChannel 0: No. Okay. Great. Perfect. Otherwise, when it comes to, I guess, goals, the stuff that you are working towards that you are wanting to achieve, Now like I said earlier, obviously, we had here that your your main focus was to buy a farm, which obviously did, so that's great.\n\nIs there any other goals that you have for the next twelve months that you are working towards so that you are kind of wanting to achieve at all?\n\nChannel 1: Just, I guess, just, yeah, doing up the farm or so. Maybe try and generate\n\nChannel 0: Mhmm.\n\nChannel 1: some income off off it as well.\n\nChannel 0: Yep. Sorry. I'm a very what kind of farm is there?\n\nChannel 1: It's just like a bush bushland at the moment.\n\nChannel 0: Mhmm.\n\nChannel 1: So I don't have any animals, like, any, like,\n\nChannel 0: Yep.\n\nChannel 1: cows or stuff. But yeah. So just, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: maybe, clear some bush and, yeah, get some cows or whatever or\n\nChannel 0: Yeah.\n\nChannel 1: build some, like, stone houses because there's lots of stone around the property and maybe make an MB\n\nChannel 0: Oh,\n\nChannel 1: or\n\nChannel 0: yeah.\n\nChannel 1: something.\n\nChannel 0: Oh, yeah. That's nice. Nice little way of of building up your wealth as well.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Anything else that you're working towards? That's kind of your main focus right now.\n\nChannel 1: Not not so so much. Just, yeah, just really focused on, I guess, just, yeah, the farm just building building it up,\n\nChannel 0: Yep.\n\nChannel 1: trying to create something nice.\n\nChannel 0: Yeah. No. And when it comes to your superannuation, I have here that, ideally, obviously, it's a bit some some time away, but that you wanna access super at 60\n\nChannel 1: Yep.\n\nChannel 0: and ideally draw an income of around a thousand dollars per week. Is that still your goal, or do you think you might need a little bit more for retirement, or do you think that will\n\nChannel 1: Yeah.\n\nChannel 0: be sufficient?\n\nChannel 1: More. I'd bump bump\n\nChannel 0: Yes.\n\nChannel 1: that up, say, 2,000 a week now.\n\nChannel 0: Yeah. Most people, especially with living expenses and everything like that going up. So perfect. Now the next thing is just to run through just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed if you want to make any changes to your risk profile at all. Now it is just multiple choice to make it nice and easy, and there's no right or wrong answer.\n\nIf it doesn't make\n\nChannel 1: Yeah.\n\nChannel 0: sense, let me know. It's quite similar to last time otherwise. Now let me see here. When it comes to inflation and how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Just repeat that that question again. Sorry. This is the question.\n\nChannel 0: Yeah.\n\nChannel 1: What\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: so when it comes to how much risk you\n\nChannel 1: Risk.\n\nChannel 0: are willing\n\nChannel 1: Yeah.\n\nChannel 0: to take, yeah, for\n\nChannel 1: Yeah.\n\nChannel 0: your superannuation, for\n\nChannel 1: Yep.\n\nChannel 0: it to continue to grow,\n\nChannel 1: Yeah.\n\nChannel 0: Would you\n\nChannel 1: Yeah.\n\nChannel 0: say very high risk, moderate, just high, or small?\n\nChannel 1: Let's go. Let's go very high risk. Yeah.\n\nChannel 0: Very high. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So not like one particular investment that's gone bad, just the market as a whole. Would you if you had a good time to invest a little bit more while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?\n\nChannel 1: Let's just say the first option. Yeah?\n\nChannel 0: The first one. Yep.\n\nChannel 1: Yep.\n\nChannel 0: And would you invest heavily or just kind of modestly?\n\nChannel 1: Yeah. Invest heavily. Like, yeah,\n\nChannel 0: Yep.\n\nChannel 1: like, the way I think is if you've done your research and you think, you know, it's it's a pretty, like, sure thing or something,\n\nChannel 0: Mhmm.\n\nChannel 1: like and you just the best of your your knowledge and and\n\nChannel 0: Yep.\n\nChannel 1: stuff and go all in.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And, obviously, when it comes to investments, superannuation or your personal investments or any assets that's ever fallen in value, if you ever noticed then, obviously, the last twelve months, obviously, with your share portfolio, you would have noticed a bit of fluctuations in the market as well with everything that's happened in the world. If you ever noticed that or even go back to COVID, so a bit of fluctuations, how did that make you feel? Would you say optimistic about potential investment opportunity? Be kind of neutral, not making further investment? Concerned or highly anxious?\n\nChannel 1: No. Optimistic. Yeah. The\n\nChannel 0: Optimistic.\n\nChannel 1: first one, for sure. I\n\nChannel 0: Yep.\n\nChannel 1: like to just try to be that, yes, in all aspects of life.\n\nChannel 0: Yep. No. Perfect. The last one here is in regards to borrowing money. So would you ever consider taking out a loan through Invest in stocks or funds Or mainly just for, like, property?\n\nChannel 1: Yeah. More more so property because yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I don't\n\nChannel 0: An investment property as well,\n\nChannel 1: I'm\n\nChannel 0: like, you'd be open through potentially?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Investment\n\nChannel 0: Okay.\n\nChannel 1: properties. Yeah.\n\nChannel 0: Yep. Now that tells me here, Daniel, that you have come out as a high growth investor, which you probably could tell from the answers, which is the portfolio we have invested in at the moment, which is good. Do you remember what it means to be a high growth investor at all?\n\nChannel 1: No.\n\nChannel 0: Nope. So, essentially, it tells me that you are looking at getting as much growth out of your superannuation while you still have plenty of time until retirement.\n\nChannel 1: Yeah.\n\nChannel 0: But at the same time that you are comfortable with and understand that there will be some short term fluctuations in order to achieve that growth.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And\n\nChannel 1: That's right.\n\nChannel 0: yeah. Perfect. And when it comes to an actual asset allocation, so how your money is invested, we typically see about 90% or so invested in what we call your growth assets. So, obviously, your Australian shares, international shares, property, and commodities, and that's ultimately what's going to grow that super for you. And then about 10% in your defensive, like your cash, your gold, your fixed interest, labor fluctuations a little bit, but making sure we're focused on maximizing that growth.\n\nDoes that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. And, also, when it comes to a time frame, we wanna make sure we have enough time in the market for all those fluctuations. In a high growth portfolio, ideally, we would like to see a year to retirement, which you certainly have behind you. So from a time frame point of view, high growth is a very good option for you as long as you are still comfortable with that.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Great. And now the last thing here, Daniel, is do you have access to your emails at the moment, your new email address?\n\nChannel 1: Yeah. Yeah. Yeah. The SkyClone.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Did you yes. Did you just receive an email from myself about twenty minutes ago?\n\nChannel 1: I'm just\n\nChannel 0: It\n\nChannel 1: checking.\n\nChannel 0: could go in spam as well because we have just changed the software. So if it's, like, the first time, it could go to spam.\n\nChannel 1: Okay. I'll go there. No. It's not in spam. I'll\n\nChannel 0: Nothing\n\nChannel 1: go back\n\nChannel 0: there?\n\nChannel 1: to the primary folder. No. Nothing's nothing's come through.\n\nChannel 0: Nothing's come through. Let me have a look\n\nChannel 1: No.\n\nChannel 0: in the software for you. Let me just resend it on my end to see if that answers. Sometimes it is a little bit slow.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. I'll tryna get that resent for you. But while I wait for that to come through, are you happy for me to start going through some of the documents while we wait so I don't keep you on the phone?\n\nChannel 1: Yeah. Yeah. That's all good.\n\nChannel 0: Yes?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Now let me know if it does come through. It should hopefully come through in the next couple of minutes. But what you will see, it's pretty similar to the last under review as well.\n\nJust a bit of an update on your superannuation. So you obviously have your super with hub twenty four, and you do have about a $120,049 in there.\n\nChannel 1: Yep.\n\nChannel 0: So, hopefully, you can get access sooner. You can kind of keep an eye on things a little bit more as well if it is something that you are interested in. Now what you will also see is a performance report. So that one there give you a breakdown of your current portfolio over the last twelve months. So it shows you all your individual investments, how they have performed over the last twelve months, and it's all after fees as well to show you.\n\nBut, essentially, in the last twelve months, even though we have seen a bit of fluctuations in the market in the last twelve months, your portfolio has still done really well. So in the last twelve months after fee, it's still up by 12.65%, which is really good.\n\nChannel 1: Yep. Cool. Okay.\n\nChannel 0: Yep. Now when it actually comes to the individual investments, when you do see the email form that does come through, you can see that most of your investments have done really well, and it has been obviously, one of your investments in particular has gone crazy at the moment, which is your Global X, Better Tech, and Lithium. That one's up by about 99%, which is insane. Obviously, with the war and everything, electric vehicles have obviously seen a bit of an increase. So that one has been pretty crazy.\n\nBut even your tech company there at 20% up, your beta shift roughly has been up by a lot. Gold has also done really well up at about 17%. Now there is one investment that I would like to look at changing for you, and that is your Benelong Australian equity fund. Are you quite familiar with the different types and styles of investments there, Daniel?\n\nChannel 1: Of the different styles of investments?\n\nChannel 0: Different types like direct shares, ETF, managed funds.\n\nChannel 1: Oh, yeah. Yeah. Yeah. I've\n\nChannel 0: Yeah.\n\nChannel 1: got a a\n\nChannel 0: Okay.\n\nChannel 1: bit of an understanding between all that. Yeah.\n\nChannel 0: Yeah. Okay. Great. Perfect. So your managed fund, you have one managed fund at the moment, which is the Bennelong Australian Equities.\n\nAll the other investments are your ETF. Now with the Bennelong in investments, the function, obviously, of that one is to actively buy and sell different investments in order to try to outperform the market, not really just, like, tracking the index or tracking the market. Now when you came on board and that one has done really well, it that was why it was added to your portfolio to kind of give you that little active management component.\n\nChannel 1: Yep.\n\nChannel 0: More\n\nChannel 1: Okay.\n\nChannel 0: recently, they have underperformed a little bit. So that is one that is down at the moment. So, obviously, the investment committee does do a lot of research on the investments all the time because we wanna make sure that we also are proactive with changes as the market and investments do change. So the good thing with Hub twenty four is you have hundreds and hundreds of different investment options to choose from, and we've done a lot of research on it. And not always when any investment is down do you wanna sell if you should see it coming back around.\n\nBut with the investment, because they have been a little bit slower in making their investment choices lately, the investment committee has done a lot of research on a another suitable option to look at, just swapping that one for you. Now the one that we have looked at is your BetaShares Australia 200. Have you ever heard of that?\n\nChannel 1: No. I haven't heard of them. No.\n\nChannel 0: No. So, basically, because if we are looking at removing one Australian investment from your portfolio, we still wanna make sure that you do have some exposure to the Australian market. We don't want everything in The US or everything in emerging markets or, like, we wanna make sure we keep everything very well diversified for you. So we were looking at another Australian option to swap that one for you. And keeping all\n\nChannel 1: Okay.\n\nChannel 0: the diversification and the investments will look to fit the same. Now with the a 200, so the beta shares a 200, the way that that one works is, it just invests in the 200 largest companies listed in Australia. So it's a bit more simplified in that. It just tracks the 200 largest companies. So as a company grows and gets bigger, it gets added to your portfolio.\n\nAnd, obviously, as something gets smaller, it kind of gets out of those eight two hundred. So you don't have that same kind of active buying and selling different investments. But with the eight two hundred, it has performed a lot better than your Venalone investment recently. Because you don't have that same kind of active buying and selling, it's also a bit cheaper. So we have looked at swapping that one for you if that is something that you are happy with.\n\nChannel 1: Yeah. Yeah. No. No. That's fine.\n\nChannel 0: That makes\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: I trust your your judgment as, like, you you do the research sort of thing.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I'm happy for you to to swap them\n\nChannel 0: To\n\nChannel 1: out\n\nChannel 0: do that one?\n\nChannel 1: if you if you need. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: If\n\nChannel 0: Okay.\n\nChannel 1: you feel\n\nChannel 0: Beautiful.\n\nChannel 1: feel yep.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: So\n\nChannel 1: beneficial.\n\nChannel 0: what yes. Yes. Sorry. What we what we will do is just so you have a record of the change as well, is that I will get a record of advice drawn up for you. You don't need to sign it or anything like that, but it is just for your record to say that we have switched Ben along to 8200 for you.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Cool.\n\nChannel 0: So you will see that in your in inbox. It might be kind of mid next week, but just keep a lookout for that, and that will come through shortly. Now, Daniel, did you get the email at all by any chance?\n\nChannel 1: Yeah.\n\nChannel 0: Did that come\n\nChannel 1: No. I just checked. I got an email\n\nChannel 0: through?\n\nChannel 1: or a reply from Madison that's just come through, but, yeah, there's there's no nothing else has come through. Is it skyclimbtrees@gmail.com? Is that where it's trying to get sent to, is it?\n\nChannel 0: Skyclimbtrees@gmail.com?\n\nChannel 1: Yeah. Yeah. Is that\n\nChannel 0: Yeah.\n\nChannel 1: the email address you're sending it to?\n\nChannel 0: Yes. I\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: And\n\nChannel 0: tried\n\nChannel 1: and\n\nChannel 0: to check.\n\nChannel 1: it's it's spelled skyclimbtrees@gmail.com.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yes. That's the one\n\nChannel 1: Okay.\n\nChannel 0: I have. Okay. I'll check with IT if there's a bit of an issue. Sometimes at the end of the day, it tend to be a little bit slower, but I will follow-up when we get off the phone as well. And if you haven't received anything, I'll follow-up with IP, and then I might get if I can't see the documents come back to me after, I might get someone to just kind of give you a quick call tomorrow potentially just to see if you got them, if you kind of got through.\n\nChannel 1: Mhmm.\n\nChannel 0: Because, yeah, normally, it should be there by now, but sometimes in technology, it's great when it work. But sometimes it's a little bit, yeah, fiddly at times. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah. It says here it's been sent on my end, and, yes, it's the same address. So I'll keep a look at it, and I'll chat with IT as well when we get off the phone just to triple check. And I'll look at it tomorrow as well just to see if that came through for you.\n\nChannel 1: Cool.\n\nChannel 0: If you do have a look at it, though, and you have any questions with anything, just let me know. The other thing I do wanna check on as well is that, obviously, you don't have any insurances at the moment. Are you still happy with no insurances?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Yep. Perfect. Now what you will also see when the document does finally come through is just an updated Vanguard index chart for you. It's just you probably have seen something like that before, but it is just a good visual representation of what we are talking about when we speak about the market.\n\nYou can see there kind of dates back to 1995 through to 2025, and it just gives you a bit of an overview of the different market fluctuations, and it breaks down the different asset classes as well if it is something you wanna have a look at.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And then the last thing is you will also have a financial services guide. It's just one of those compliance forms, but it does give you all the important information in regards to us here at OTU. None of the important information has changed, but we have done just a bit of an update to our marketing and also had a bit of an extension to the team. So if you do wanna have a read over that, that's all included in the document for you. And if you do wanna put a face to the voice as well, I am also there on page 10.\n\nChannel 1: Okay. Cool. Cool.\n\nChannel 0: Now the last thing it will ask you to do, if you're happy to do so when the document does come through, is that it will just ask you to sign the ongoing service agreement. That is just to say that you are happy to stay on as a client. There's no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 from superannuation. No changes in regards to that, and there is no lock in contract.\n\nSo if at any point in time, if you are not happy, it is not a lock in contract. Otherwise, by signing this, it just allows us to manage your investments and your accounts and everything for you in the meantime. Does that make sense?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. Now I have also just included that change of detail form for you to get that updated. But when I get off the phone, I'll also just check with Maddie if she received that back, and we can get that sorted, update the address, the email address, and your phone number, and then also get that. So you can get access to your account by logging in yourself as well.\n\nChannel 1: Yeah. That'd be great.\n\nChannel 0: Yeah. Perfect. Now I will also get the team to email you those beneficiary forms for Super to get that one sorted. If you do have any questions in regards to completed it or you don't remember anything, just give me a call, and we can always go through it again. And then the last thing is that I will send you that record of advice just to show you that one investment switch for you as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. Perfect. Now do you have any questions for me otherwise at this point, Daniel?\n\nChannel 1: I just popped in my head. I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by\n\nChannel 0: Mhmm.\n\nChannel 1: the time that time comes around, like, it'd probably be better for $3,000 a week in\n\nChannel 0: Yep.\n\nChannel 1: the future\n\nChannel 0: Okay.\n\nChannel 1: with inflation.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: I can just update that for you just to say that the goal is about 3,000 a week.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Well, in\n\nChannel 0: Okay.\n\nChannel 1: in that manner in that manner. Yeah. That many years.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It's got a bit of time to retire, and and you can always change it, you know, obviously, as things go. Because then also for a lot of people, the goal by the time you return, fix, and retire is to hopefully have the mortgage paid off. So then you\n\nChannel 1: Yeah.\n\nChannel 0: won't have, obviously, the mortgage expenses, and you'll be mainly, you know, living expenses, you're gonna do some traveling, and and stuff like that. So you might find that you need a little bit less than, obviously, what you have right now with the mortgage and everything. It just depends on, you know, how extravagant you want your retirement and everything to be. So I will just update that to 3,000 for now for you.\n\nChannel 1: Yeah. Yeah. Make it make it 4,000.\n\nChannel 0: Yeah. Make it 4,000 a week?\n\nChannel 1: Yeah. Yeah. Let's\n\nChannel 0: Yep.\n\nChannel 1: just yeah. Sit it out there\n\nChannel 0: Yeah.\n\nChannel 1: for now.\n\nChannel 0: Why not?\n\nChannel 1: Yeah.\n\nChannel 0: It's a goal to achieve towards. Sorry. No.\n\nChannel 1: That's\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: all good. Yeah. Now, Daniel, do you have any other questions for me before I let you go and enjoy the rest of your afternoon otherwise?\n\nChannel 1: No. That's all. Yeah. That's\n\nChannel 0: No?\n\nChannel 1: all\n\nChannel 0: Okay.\n\nChannel 1: good.\n\nChannel 0: Beautiful. Just keep a lookout for those document. I will check with IT if there's any issues with that. So just keep a little lookout for your emails. If you do see it come through, have a bit of a review of them, if it all makes sense, and you're happy to add the signature.\n\nYou can just do it all digitally, and it will then send it back to me. And that also tells me that you have received the documents. Any questions, sorry, just give me a call.\n\nChannel 1: Yeah. Cool. And all your\n\nChannel 0: Yeah.\n\nChannel 1: details will be at the bottom of the email or whatnot?\n\nChannel 0: Yeah. Sorry. That one is a digital digital one. So you can just click on the link or it says sign now. It will just ask you to add your email and your signature, And then my colleague, Whitlam, will send you, like, a separate email with the beneficiary forms.\n\nBut then you will receive the the ROI directly from me, and that has all my contact details and everything on it as well.\n\nChannel 1: Cool. Yeah. Awesome.\n\nChannel 0: Yeah. Beautiful. So, yeah, if there's anything you need, you can just respond to that email or just give the office a call, and we can always book you in for a bit of a catch up.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Yeah. Beautiful. Well, thank you so much for your time today, Daniel. It was lovely speaking with you, and anything you need, just let me know.\n\nChannel 1: Thanks very much. It's Been a pleasure.\n\nChannel 0: No worries. Yeah. Likewise. We'll speak soon.\n\nChannel 1: Okey doke.\n\nChannel 0: Okay. Bye.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.050174083560705185}],"sentiment":"neutral","sentiment_score":0.050174083560705185,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good afternoon.","start":2.56,"end":3.1999998,"sentiment":"positive","sentiment_score":0.36233408749103546},{"text":"Is this 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okay.","start":21.855,"end":29.380001,"sentiment":"neutral","sentiment_score":0.026145737297062217}],"sentiment":"neutral","sentiment_score":0.046125314468818325,"channel":0,"num_words":31,"start":20.095001,"end":29.380001},{"sentences":[{"text":"Yep.","start":30.05,"end":30.55,"sentiment":"neutral","sentiment_score":0.07430414855480194}],"sentiment":"neutral","sentiment_score":0.07430414855480194,"channel":1,"num_words":1,"start":30.05,"end":30.55},{"sentences":[{"text":"Yeah.","start":30.880001,"end":31.36,"sentiment":"neutral","sentiment_score":0.16398537158966064},{"text":"Perfect.","start":31.36,"end":31.84,"sentiment":"neutral","sentiment_score":0.33290642499923706},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, 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dad?","start":759.71497,"end":760.69495,"sentiment":"neutral","sentiment_score":-0.10150116309523582}],"sentiment":"neutral","sentiment_score":-0.0679216446975867,"channel":0,"num_words":12,"start":757.15497,"end":760.69495},{"sentences":[{"text":"That's bad.","start":761.14496,"end":761.785,"sentiment":"negative","sentiment_score":-0.4089723527431488},{"text":"Yeah.","start":761.785,"end":762.285,"sentiment":"neutral","sentiment_score":-0.07983385771512985}],"sentiment":"neutral","sentiment_score":-0.2992595210671425,"channel":1,"num_words":3,"start":761.14496,"end":762.285},{"sentences":[{"text":"Yeah.","start":762.62,"end":762.86,"sentiment":"neutral","sentiment_score":-0.03149913623929024},{"text":"And do you live with him, or does he rely on you 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ideally, obviously, it's a bit some some time away, but that you wanna access super at 60","start":997.335,"end":1007.835,"sentiment":"neutral","sentiment_score":0.07535495090165309}],"sentiment":"neutral","sentiment_score":0.07235473121205965,"channel":0,"num_words":30,"start":994.92,"end":1007.835},{"sentences":[{"text":"Yep.","start":1008.995,"end":1009.47,"sentiment":"neutral","sentiment_score":0.17274951934814453}],"sentiment":"neutral","sentiment_score":0.17274951934814453,"channel":1,"num_words":1,"start":1008.995,"end":1009.47},{"sentences":[{"text":"and ideally draw an income of around a thousand dollars per week.","start":1009.35004,"end":1013.27,"sentiment":"neutral","sentiment_score":0.2043365128338337},{"text":"Is that still your goal, or do you think you might need a little bit more for retirement, or do you think that 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when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start":1111.6349,"end":1127.93,"sentiment":"neutral","sentiment_score":-0.2437822824638141},{"text":"So not like one particular investment that's gone bad, just the market as a whole.","start":1127.93,"end":1132.67,"sentiment":"neutral","sentiment_score":-0.3259008785088857},{"text":"Would you if you had a good time to invest a little bit more while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped?","start":1133.205,"end":1150.87,"sentiment":"neutral","sentiment_score":-0.16013206446712666}],"sentiment":"neutral","sentiment_score":-0.212587994971761,"channel":0,"num_words":108,"start":1111.6349,"end":1150.87},{"sentences":[{"text":"Let's just say the first option.","start":1152.28,"end":1154.38,"sentiment":"neutral","sentiment_score":-0.016844843203822773},{"text":"Yeah?","start":1154.68,"end":1155.045,"sentiment":"neutral","sentiment_score":0.014065831899642944}],"sentiment":"neutral","sentiment_score":-0.01242903247475624,"channel":1,"num_words":7,"start":1152.28,"end":1155.045},{"sentences":[{"text":"The first one.","start":1154.93,"end":1155.65,"sentiment":"neutral","sentiment_score":0.011303829029202461},{"text":"Yep.","start":1155.65,"end":1156.15,"sentiment":"neutral","sentiment_score":0.04886224493384361}],"sentiment":"neutral","sentiment_score":0.02069343300536275,"channel":0,"num_words":4,"start":1154.93,"end":1156.15},{"sentences":[{"text":"Yep.","start":1156.3251,"end":1156.8251,"sentiment":"neutral","sentiment_score":0.036592479795217514}],"sentiment":"neutral","sentiment_score":0.036592479795217514,"channel":1,"num_words":1,"start":1156.3251,"end":1156.8251},{"sentences":[{"text":"And would you invest heavily or just kind of modestly?","start":1156.37,"end":1159.51,"sentiment":"neutral","sentiment_score":0.008758221194148064}],"sentiment":"neutral","sentiment_score":0.008758221194148064,"channel":0,"num_words":10,"start":1156.37,"end":1159.51},{"sentences":[{"text":"Yeah.","start":1161.8451,"end":1162.165,"sentiment":"neutral","sentiment_score":0.037518326193094254},{"text":"Invest heavily.","start":1162.165,"end":1163.0651,"sentiment":"neutral","sentiment_score":0.04349305480718613},{"text":"Like, yeah,","start":1163.125,"end":1163.9451,"sentiment":"neutral","sentiment_score":0.0748822782188654}],"sentiment":"neutral","sentiment_score":0.05485379844903946,"channel":1,"num_words":5,"start":1161.8451,"end":1163.9451},{"sentences":[{"text":"Yep.","start":1163.775,"end":1164.275,"sentiment":"neutral","sentiment_score":0.06880269944667816}],"sentiment":"neutral","sentiment_score":0.06880269944667816,"channel":0,"num_words":1,"start":1163.775,"end":1164.275},{"sentences":[{"text":"like, the way I think is if you've done your research and you think, you know, it's it's a pretty, like, sure thing or something,","start":1164.3251,"end":1172.1799,"sentiment":"neutral","sentiment_score":0.032047838866710664}],"sentiment":"neutral","sentiment_score":0.032047838866710664,"channel":1,"num_words":25,"start":1164.3251,"end":1172.1799},{"sentences":[{"text":"Mhmm.","start":1171.95,"end":1172.45,"sentiment":"neutral","sentiment_score":0.02148238942027092}],"sentiment":"neutral","sentiment_score":0.02148238942027092,"channel":0,"num_words":1,"start":1171.95,"end":1172.45},{"sentences":[{"text":"like and you just the best of your your knowledge and and","start":1172.1799,"end":1176.02,"sentiment":"neutral","sentiment_score":0.07218768633902073}],"sentiment":"neutral","sentiment_score":0.07218768633902073,"channel":1,"num_words":12,"start":1172.1799,"end":1176.02},{"sentences":[{"text":"Yep.","start":1175.87,"end":1176.37,"sentiment":"neutral","sentiment_score":0.05587972328066826}],"sentiment":"neutral","sentiment_score":0.05587972328066826,"channel":0,"num_words":1,"start":1175.87,"end":1176.37},{"sentences":[{"text":"stuff and go all in.","start":1176.02,"end":1177.72,"sentiment":"neutral","sentiment_score":0.06947509124875069}],"sentiment":"neutral","sentiment_score":0.06947509124875069,"channel":1,"num_words":5,"start":1176.02,"end":1177.72},{"sentences":[{"text":"Yeah.","start":1178.11,"end":1178.61,"sentiment":"neutral","sentiment_score":0.19179527461528775},{"text":"Perfect.","start":1178.75,"end":1179.25,"sentiment":"neutral","sentiment_score":0.28613483905792236}],"sentiment":"neutral","sentiment_score":0.23896505683660507,"channel":0,"num_words":2,"start":1178.11,"end":1179.25},{"sentences":[{"text":"Yeah.","start":1179.22,"end":1179.72,"sentiment":"neutral","sentiment_score":0.07831594347953796}],"sentiment":"neutral","sentiment_score":0.07831594347953796,"channel":1,"num_words":1,"start":1179.22,"end":1179.72},{"sentences":[{"text":"And, obviously, when it comes to investments, superannuation or your personal investments or any assets that's ever fallen in value, if you ever noticed then, obviously, the last twelve months, obviously, with your share portfolio, you would have noticed a bit of fluctuations in the market as well with everything that's happened in the world.","start":1181.3099,"end":1201.31,"sentiment":"neutral","sentiment_score":-0.04700483004139228},{"text":"If you ever noticed that or even go back to COVID, so a bit of fluctuations, how did that make you feel?","start":1203.05,"end":1208.89,"sentiment":"neutral","sentiment_score":0.028181313113732773},{"text":"Would you say optimistic about potential investment opportunity?","start":1208.89,"end":1212.67,"sentiment":"neutral","sentiment_score":0.2967647258192301},{"text":"Be kind of neutral, not making further investment?","start":1213.915,"end":1216.735,"sentiment":"neutral","sentiment_score":-0.08370181173086166},{"text":"Concerned or highly anxious?","start":1218.155,"end":1219.935,"sentiment":"negative","sentiment_score":-0.34329912811517715}],"sentiment":"neutral","sentiment_score":-0.016845051170393976,"channel":0,"num_words":97,"start":1181.3099,"end":1219.935},{"sentences":[{"text":"No.","start":1220.935,"end":1221.36,"sentiment":"neutral","sentiment_score":-0.2577952742576599},{"text":"Optimistic.","start":1221.52,"end":1222.02,"sentiment":"neutral","sentiment_score":-0.03635313734412193},{"text":"Yeah.","start":1222.24,"end":1222.48,"sentiment":"neutral","sentiment_score":0.24497616291046145},{"text":"The","start":1222.48,"end":1222.72,"sentiment":"positive","sentiment_score":0.35566067695617676}],"sentiment":"neutral","sentiment_score":0.07662210706621408,"channel":1,"num_words":4,"start":1220.935,"end":1222.72},{"sentences":[{"text":"Optimistic.","start":1222.7151,"end":1223.2151,"sentiment":"positive","sentiment_score":0.5144543647766113}],"sentiment":"positive","sentiment_score":0.5144543647766113,"channel":0,"num_words":1,"start":1222.7151,"end":1223.2151},{"sentences":[{"text":"first one, for sure.","start":1222.72,"end":1223.84,"sentiment":"positive","sentiment_score":0.3399970158934593},{"text":"I","start":1223.84,"end":1224.0,"sentiment":"neutral","sentiment_score":0.3298688530921936}],"sentiment":"positive","sentiment_score":0.3379713833332062,"channel":1,"num_words":5,"start":1222.72,"end":1224.0},{"sentences":[{"text":"Yep.","start":1223.915,"end":1224.415,"sentiment":"neutral","sentiment_score":0.31023985147476196}],"sentiment":"neutral","sentiment_score":0.31023985147476196,"channel":0,"num_words":1,"start":1223.915,"end":1224.415},{"sentences":[{"text":"like to just try to be that, yes, in all aspects of life.","start":1224.0,"end":1227.7,"sentiment":"positive","sentiment_score":0.36612064104813796}],"sentiment":"positive","sentiment_score":0.36612064104813796,"channel":1,"num_words":13,"start":1224.0,"end":1227.7},{"sentences":[{"text":"Yep.","start":1228.25,"end":1228.75,"sentiment":"neutral","sentiment_score":0.10646753758192062},{"text":"No.","start":1228.81,"end":1229.31,"sentiment":"neutral","sentiment_score":0.02620898187160492},{"text":"Perfect.","start":1229.4501,"end":1229.9501,"sentiment":"neutral","sentiment_score":0.29615312814712524},{"text":"The last one here is in regards to borrowing money.","start":1231.2101,"end":1234.27,"sentiment":"neutral","sentiment_score":0.04755916222929955},{"text":"So would you ever consider taking out a loan through Invest in stocks or funds Or mainly just for, like, property?","start":1234.49,"end":1244.605,"sentiment":"neutral","sentiment_score":0.048446288908876124}],"sentiment":"neutral","sentiment_score":0.05652333344058955,"channel":0,"num_words":34,"start":1228.25,"end":1244.605},{"sentences":[{"text":"Yeah.","start":1247.2999,"end":1247.62,"sentiment":"neutral","sentiment_score":0.04428769648075104},{"text":"More more so property because yeah.","start":1247.62,"end":1250.6,"sentiment":"neutral","sentiment_score":0.05188016748676697}],"sentiment":"neutral","sentiment_score":0.05079552877162184,"channel":1,"num_words":7,"start":1247.2999,"end":1250.6},{"sentences":[{"text":"Yep.","start":1250.105,"end":1250.605,"sentiment":"neutral","sentiment_score":0.09747403860092164}],"sentiment":"neutral","sentiment_score":0.09747403860092164,"channel":0,"num_words":1,"start":1250.105,"end":1250.605},{"sentences":[{"text":"Yeah.","start":1251.46,"end":1251.7,"sentiment":"neutral","sentiment_score":0.047823742032051086},{"text":"I 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potentially?","start":1253.9,"end":1255.92,"sentiment":"neutral","sentiment_score":-0.005761581162611644}],"sentiment":"neutral","sentiment_score":-0.005761581162611644,"channel":0,"num_words":6,"start":1253.9,"end":1255.92},{"sentences":[{"text":"yeah.","start":1255.7,"end":1256.2,"sentiment":"neutral","sentiment_score":0.02134134992957115},{"text":"Yeah.","start":1256.58,"end":1256.98,"sentiment":"neutral","sentiment_score":0.0465347021818161}],"sentiment":"neutral","sentiment_score":0.033938026055693626,"channel":1,"num_words":2,"start":1255.7,"end":1256.98},{"sentences":[{"text":"Yeah.","start":1256.7001,"end":1257.2001,"sentiment":"neutral","sentiment_score":0.04569847881793976}],"sentiment":"neutral","sentiment_score":0.04569847881793976,"channel":0,"num_words":1,"start":1256.7001,"end":1257.2001},{"sentences":[{"text":"Investment","start":1256.98,"end":1257.48,"sentiment":"neutral","sentiment_score":0.036142900586128235}],"sentiment":"neutral","sentiment_score":0.036142900586128235,"channel":1,"num_words":1,"start":1256.98,"end":1257.48},{"sentences":[{"text":"Okay.","start":1257.5,"end":1258.0,"sentiment":"neutral","sentiment_score":0.03818240016698837}],"sentiment":"neutral","sentiment_score":0.03818240016698837,"channel":0,"num_words":1,"start":1257.5,"end":1258.0},{"sentences":[{"text":"properties.","start":1257.7,"end":1258.2,"sentiment":"neutral","sentiment_score":0.058564186096191406},{"text":"Yeah.","start":1258.6599,"end":1259.1599,"sentiment":"neutral","sentiment_score":0.15036983788013458}],"sentiment":"neutral","sentiment_score":0.104467011988163,"channel":1,"num_words":2,"start":1257.7,"end":1259.1599},{"sentences":[{"text":"Yep.","start":1259.1,"end":1259.6,"sentiment":"neutral","sentiment_score":0.23646557331085205},{"text":"Now that tells me here, Daniel, that you have come out as a high growth investor, which you probably could tell from the answers, which is the portfolio we have invested in at the moment, which is good.","start":1261.02,"end":1272.585,"sentiment":"neutral","sentiment_score":0.2917567209193581},{"text":"Do you remember what it means to be a high growth investor at all?","start":1272.965,"end":1276.585,"sentiment":"neutral","sentiment_score":0.13038490765861102}],"sentiment":"neutral","sentiment_score":0.24808697500881158,"channel":0,"num_words":53,"start":1259.1,"end":1276.585},{"sentences":[{"text":"No.","start":1277.65,"end":1278.15,"sentiment":"neutral","sentiment_score":-0.0810263454914093}],"sentiment":"neutral","sentiment_score":-0.0810263454914093,"channel":1,"num_words":1,"start":1277.65,"end":1278.15},{"sentences":[{"text":"Nope.","start":1278.725,"end":1279.225,"sentiment":"neutral","sentiment_score":-0.058867551386356354},{"text":"So, essentially, it tells me that you are looking at getting as much growth out of your superannuation while you still have plenty of time until retirement.","start":1279.445,"end":1287.93,"sentiment":"neutral","sentiment_score":0.03735831297106213}],"sentiment":"neutral","sentiment_score":0.033921674958297184,"channel":0,"num_words":28,"start":1278.725,"end":1287.93},{"sentences":[{"text":"Yeah.","start":1288.905,"end":1289.405,"sentiment":"neutral","sentiment_score":0.07293928414583206}],"sentiment":"neutral","sentiment_score":0.07293928414583206,"channel":1,"num_words":1,"start":1288.905,"end":1289.405},{"sentences":[{"text":"But at the same time that you are comfortable with and understand that there will be some short term fluctuations in order to achieve that growth.","start":1289.03,"end":1298.0349,"sentiment":"neutral","sentiment_score":0.02763080682892066}],"sentiment":"neutral","sentiment_score":0.02763080682892066,"channel":0,"num_words":26,"start":1289.03,"end":1298.0349},{"sentences":[{"text":"Yeah.","start":1298.905,"end":1299.39,"sentiment":"neutral","sentiment_score":0.13640540838241577},{"text":"Yep.","start":1299.39,"end":1299.87,"sentiment":"neutral","sentiment_score":0.14813241362571716}],"sentiment":"neutral","sentiment_score":0.14226891100406647,"channel":1,"num_words":2,"start":1298.905,"end":1299.87},{"sentences":[{"text":"And","start":1299.695,"end":1300.195,"sentiment":"neutral","sentiment_score":0.15425094962120056}],"sentiment":"neutral","sentiment_score":0.15425094962120056,"channel":0,"num_words":1,"start":1299.695,"end":1300.195},{"sentences":[{"text":"That's right.","start":1299.87,"end":1300.61,"sentiment":"neutral","sentiment_score":0.272331640124321}],"sentiment":"neutral","sentiment_score":0.272331640124321,"channel":1,"num_words":2,"start":1299.87,"end":1300.61},{"sentences":[{"text":"yeah.","start":1300.495,"end":1300.995,"sentiment":"positive","sentiment_score":0.37881582975387573},{"text":"Perfect.","start":1301.215,"end":1301.715,"sentiment":"positive","sentiment_score":0.4979633092880249},{"text":"And when it comes to an actual asset allocation, so how your money is invested, we typically see about 90% or so invested in what we call your growth assets.","start":1301.855,"end":1312.0499,"sentiment":"neutral","sentiment_score":0.23935888061920801},{"text":"So, obviously, your Australian shares, international shares, property, and commodities, and that's ultimately what's going to grow that super for you.","start":1312.4299,"end":1319.41,"sentiment":"positive","sentiment_score":0.3623006400607881},{"text":"And then about 10% in your defensive, like your cash, your gold, your fixed interest, labor fluctuations a little bit, but making sure we're focused on maximizing that growth.","start":1319.71,"end":1330.6649,"sentiment":"neutral","sentiment_score":0.2372731771962396}],"sentiment":"neutral","sentiment_score":0.2749607455803127,"channel":0,"num_words":82,"start":1300.495,"end":1330.6649},{"sentences":[{"text":"Does that make sense?","start":1330.6649,"end":1331.8049,"sentiment":"neutral","sentiment_score":0.2502342462539673}],"sentiment":"neutral","sentiment_score":0.2502342462539673,"channel":0,"num_words":4,"start":1330.6649,"end":1331.8049},{"sentences":[{"text":"Yeah.","start":1332.3,"end":1332.8,"sentiment":"neutral","sentiment_score":0.1641232669353485},{"text":"Yeah.","start":1332.9401,"end":1333.4401,"sentiment":"neutral","sentiment_score":0.19584211707115173}],"sentiment":"neutral","sentiment_score":0.17998269200325012,"channel":1,"num_words":2,"start":1332.3,"end":1333.4401},{"sentences":[{"text":"Yeah.","start":1333.16,"end":1333.64,"sentiment":"neutral","sentiment_score":0.26684489846229553},{"text":"Perfect.","start":1333.64,"end":1334.14,"sentiment":"neutral","sentiment_score":0.03414634242653847},{"text":"And, also, when it comes to a time frame, we wanna make sure we have enough time in the market for all those fluctuations.","start":1334.52,"end":1339.74,"sentiment":"neutral","sentiment_score":0.06251754440988104},{"text":"In a high growth portfolio, ideally, we would like to see a year to retirement, which you certainly have behind you.","start":1340.6,"end":1346.9349,"sentiment":"neutral","sentiment_score":0.2459994838351295},{"text":"So from a time frame point of view, high growth is a very good option for you as long as you are still comfortable with that.","start":1346.9349,"end":1353.515,"sentiment":"positive","sentiment_score":0.41604317036958843}],"sentiment":"neutral","sentiment_score":0.2436236150256575,"channel":0,"num_words":73,"start":1333.16,"end":1353.515},{"sentences":[{"text":"Yeah.","start":1354.36,"end":1354.86,"sentiment":"neutral","sentiment_score":0.17759248614311218},{"text":"Yep.","start":1355.24,"end":1355.74,"sentiment":"neutral","sentiment_score":0.14088714122772217}],"sentiment":"neutral","sentiment_score":0.15923981368541718,"channel":1,"num_words":2,"start":1354.36,"end":1355.74},{"sentences":[{"text":"Yeah.","start":1355.335,"end":1355.835,"sentiment":"neutral","sentiment_score":0.24811691045761108},{"text":"Great.","start":1355.975,"end":1356.475,"sentiment":"positive","sentiment_score":0.537738561630249},{"text":"And now the last thing here, Daniel, is do you have access to your emails at the moment, your new email address?","start":1357.575,"end":1363.01,"sentiment":"neutral","sentiment_score":0.0919989999383688}],"sentiment":"neutral","sentiment_score":0.11707639461383224,"channel":0,"num_words":24,"start":1355.335,"end":1363.01},{"sentences":[{"text":"Yeah.","start":1363.3999,"end":1363.6399,"sentiment":"neutral","sentiment_score":0.015186876058578491},{"text":"Yeah.","start":1363.6399,"end":1363.88,"sentiment":"neutral","sentiment_score":0.014815647155046465},{"text":"Yeah.","start":1363.88,"end":1364.175,"sentiment":"neutral","sentiment_score":0.011005967855453491},{"text":"The SkyClone.","start":1364.415,"end":1364.655,"sentiment":"neutral","sentiment_score":0.005797790829092264}],"sentiment":"neutral","sentiment_score":0.010520814545452594,"channel":1,"num_words":5,"start":1363.3999,"end":1364.655},{"sentences":[{"text":"Yeah.","start":1364.59,"end":1365.09,"sentiment":"neutral","sentiment_score":0.02535981312394142}],"sentiment":"neutral","sentiment_score":0.02535981312394142,"channel":0,"num_words":1,"start":1364.59,"end":1365.09},{"sentences":[{"text":"Yep.","start":1364.655,"end":1365.155,"sentiment":"neutral","sentiment_score":0.026199739426374435}],"sentiment":"neutral","sentiment_score":0.026199739426374435,"channel":1,"num_words":1,"start":1364.655,"end":1365.155},{"sentences":[{"text":"Did you yes.","start":1365.15,"end":1366.51,"sentiment":"neutral","sentiment_score":0.012700481340289116},{"text":"Did you just receive an email from myself about twenty minutes ago?","start":1366.51,"end":1371.65,"sentiment":"neutral","sentiment_score":-0.017539004795253277}],"sentiment":"neutral","sentiment_score":-0.011491107568144799,"channel":0,"num_words":15,"start":1365.15,"end":1371.65},{"sentences":[{"text":"I'm just","start":1373.135,"end":1373.795,"sentiment":"neutral","sentiment_score":-0.07661869004368782}],"sentiment":"neutral","sentiment_score":-0.07661869004368782,"channel":1,"num_words":2,"start":1373.135,"end":1373.795},{"sentences":[{"text":"It","start":1375.645,"end":1375.8049,"sentiment":"neutral","sentiment_score":-0.0979883000254631}],"sentiment":"neutral","sentiment_score":-0.0979883000254631,"channel":0,"num_words":1,"start":1375.645,"end":1375.8049},{"sentences":[{"text":"checking.","start":1375.775,"end":1376.275,"sentiment":"neutral","sentiment_score":-0.15038657188415527}],"sentiment":"neutral","sentiment_score":-0.15038657188415527,"channel":1,"num_words":1,"start":1375.775,"end":1376.275},{"sentences":[{"text":"could go in spam as well because we have just changed the software.","start":1375.8049,"end":1379.265,"sentiment":"neutral","sentiment_score":-0.22962204997356123},{"text":"So if it's, like, the first time, it could go to spam.","start":1380.0449,"end":1383.905,"sentiment":"neutral","sentiment_score":-0.17252059156696}],"sentiment":"neutral","sentiment_score":-0.20221334993839263,"channel":0,"num_words":25,"start":1375.8049,"end":1383.905},{"sentences":[{"text":"Okay.","start":1384.46,"end":1384.96,"sentiment":"neutral","sentiment_score":-0.02660449407994747},{"text":"I'll go there.","start":1385.1799,"end":1386.24,"sentiment":"neutral","sentiment_score":-0.016653753506640594},{"text":"No.","start":1399.805,"end":1400.2051,"sentiment":"neutral","sentiment_score":-0.14542527496814728},{"text":"It's not in spam.","start":1400.2051,"end":1401.405,"sentiment":"neutral","sentiment_score":-0.18753264844417572},{"text":"I'll","start":1401.405,"end":1401.5651,"sentiment":"neutral","sentiment_score":-0.1065748780965805}],"sentiment":"neutral","sentiment_score":-0.10786965014413,"channel":1,"num_words":10,"start":1384.46,"end":1401.5651},{"sentences":[{"text":"Nothing","start":1401.435,"end":1401.915,"sentiment":"neutral","sentiment_score":-0.13262856006622314}],"sentiment":"neutral","sentiment_score":-0.13262856006622314,"channel":0,"num_words":1,"start":1401.435,"end":1401.915},{"sentences":[{"text":"go back","start":1401.5651,"end":1401.9651,"sentiment":"neutral","sentiment_score":-0.11984550952911377}],"sentiment":"neutral","sentiment_score":-0.11984550952911377,"channel":1,"num_words":2,"start":1401.5651,"end":1401.9651},{"sentences":[{"text":"there?","start":1401.915,"end":1402.415,"sentiment":"neutral","sentiment_score":-0.1121910810470581}],"sentiment":"neutral","sentiment_score":-0.1121910810470581,"channel":0,"num_words":1,"start":1401.915,"end":1402.415},{"sentences":[{"text":"to the primary folder.","start":1401.9651,"end":1404.545,"sentiment":"neutral","sentiment_score":-0.09100513160228729},{"text":"No.","start":1407.54,"end":1407.86,"sentiment":"neutral","sentiment_score":-0.17880821228027344},{"text":"Nothing's nothing's come through.","start":1407.86,"end":1410.04,"sentiment":"neutral","sentiment_score":-0.23061273992061615}],"sentiment":"neutral","sentiment_score":-0.16280885537465414,"channel":1,"num_words":9,"start":1401.9651,"end":1410.04},{"sentences":[{"text":"Nothing's come through.","start":1410.5701,"end":1411.2101,"sentiment":"neutral","sentiment_score":-0.1988115757703781},{"text":"Let me have a look","start":1411.2101,"end":1412.51,"sentiment":"neutral","sentiment_score":-0.08792455047369004}],"sentiment":"neutral","sentiment_score":-0.12950718495994806,"channel":0,"num_words":8,"start":1410.5701,"end":1412.51},{"sentences":[{"text":"No.","start":1412.1,"end":1412.6,"sentiment":"neutral","sentiment_score":-0.16708967089653015}],"sentiment":"neutral","sentiment_score":-0.16708967089653015,"channel":1,"num_words":1,"start":1412.1,"end":1412.6},{"sentences":[{"text":"in the software for you.","start":1414.5701,"end":1416.1901,"sentiment":"neutral","sentiment_score":-0.17246096730232238},{"text":"Let me just resend it on my end to see if that answers.","start":1430.025,"end":1433.305,"sentiment":"neutral","sentiment_score":-0.09028419508383824},{"text":"Sometimes it is a little bit slow.","start":1433.305,"end":1435.245,"sentiment":"neutral","sentiment_score":-0.20818733956132615}],"sentiment":"neutral","sentiment_score":-0.1397324299812317,"channel":0,"num_words":25,"start":1414.5701,"end":1435.245},{"sentences":[{"text":"Yeah.","start":1436.97,"end":1437.47,"sentiment":"neutral","sentiment_score":-0.0507548525929451}],"sentiment":"neutral","sentiment_score":-0.0507548525929451,"channel":1,"num_words":1,"start":1436.97,"end":1437.47},{"sentences":[{"text":"Alright.","start":1456.635,"end":1456.955,"sentiment":"neutral","sentiment_score":-0.02984924241900444},{"text":"I'll tryna get that resent for you.","start":1456.955,"end":1459.295,"sentiment":"neutral","sentiment_score":-0.0014320659185094499},{"text":"But while I wait for that to come through, are you happy for me to start going through some of the documents while we wait so I don't keep you on the phone?","start":1459.355,"end":1466.7,"sentiment":"neutral","sentiment_score":0.002306804625373898}],"sentiment":"neutral","sentiment_score":0.0008841670436284891,"channel":0,"num_words":41,"start":1456.635,"end":1466.7},{"sentences":[{"text":"Yeah.","start":1467.36,"end":1467.6,"sentiment":"neutral","sentiment_score":0.08681848645210266},{"text":"Yeah.","start":1467.6,"end":1467.8401,"sentiment":"neutral","sentiment_score":0.14414194226264954},{"text":"That's all good.","start":1467.8401,"end":1468.72,"sentiment":"neutral","sentiment_score":0.30240485568841297}],"sentiment":"neutral","sentiment_score":0.22763499915599822,"channel":1,"num_words":5,"start":1467.36,"end":1468.72},{"sentences":[{"text":"Yes?","start":1468.52,"end":1469.02,"sentiment":"neutral","sentiment_score":0.21026352047920227}],"sentiment":"neutral","sentiment_score":0.21026352047920227,"channel":0,"num_words":1,"start":1468.52,"end":1469.02},{"sentences":[{"text":"Yeah.","start":1468.72,"end":1469.22,"sentiment":"neutral","sentiment_score":0.16120746731758118}],"sentiment":"neutral","sentiment_score":0.16120746731758118,"channel":1,"num_words":1,"start":1468.72,"end":1469.22},{"sentences":[{"text":"Okay.","start":1469.08,"end":1469.56,"sentiment":"neutral","sentiment_score":0.2533506751060486},{"text":"Perfect.","start":1469.56,"end":1470.06,"sentiment":"positive","sentiment_score":0.38546156883239746},{"text":"Now let me know if it does come through.","start":1470.68,"end":1472.84,"sentiment":"neutral","sentiment_score":0.2420477287636863},{"text":"It should hopefully come through in the next couple of minutes.","start":1472.84,"end":1475.9,"sentiment":"neutral","sentiment_score":0.27007909931919794},{"text":"But what you will see, it's pretty similar to the last under review as well.","start":1477.315,"end":1482.755,"sentiment":"neutral","sentiment_score":0.17274643729130426}],"sentiment":"neutral","sentiment_score":0.2264677960727666,"channel":0,"num_words":37,"start":1469.08,"end":1482.755},{"sentences":[{"text":"Just a bit of an update on your superannuation.","start":1482.755,"end":1485.4149,"sentiment":"neutral","sentiment_score":0.15126363270812565},{"text":"So you obviously have your super with hub twenty four, and you do have about a $120,049 in there.","start":1485.875,"end":1495.51,"sentiment":"neutral","sentiment_score":0.14106568184338117}],"sentiment":"neutral","sentiment_score":0.14434359462133475,"channel":0,"num_words":28,"start":1482.755,"end":1495.51},{"sentences":[{"text":"Yep.","start":1496.3099,"end":1496.745,"sentiment":"neutral","sentiment_score":0.23280172049999237}],"sentiment":"neutral","sentiment_score":0.23280172049999237,"channel":1,"num_words":1,"start":1496.3099,"end":1496.745},{"sentences":[{"text":"So, hopefully, you can get access sooner.","start":1496.85,"end":1498.53,"sentiment":"neutral","sentiment_score":0.2894831214632307},{"text":"You can kind of keep an eye on things a little bit more as well if it is something that you are interested in.","start":1498.53,"end":1503.75,"sentiment":"neutral","sentiment_score":0.2789088838423292},{"text":"Now what you will also see is a performance report.","start":1504.335,"end":1509.315,"sentiment":"neutral","sentiment_score":0.07231608293950557},{"text":"So that one there give you a breakdown of your current portfolio over the last twelve months.","start":1510.095,"end":1517.58,"sentiment":"neutral","sentiment_score":0.09704347568399765},{"text":"So it shows you all your individual investments, how they have performed over the last twelve months, and it's all after fees as well to show you.","start":1518.2999,"end":1528.1599,"sentiment":"neutral","sentiment_score":0.1455929814665406}],"sentiment":"neutral","sentiment_score":0.1767541820950368,"channel":0,"num_words":85,"start":1496.85,"end":1528.1599},{"sentences":[{"text":"But, essentially, in the last twelve months, even though we have seen a bit of fluctuations in the market in the last twelve months, your portfolio has still done really well.","start":1528.86,"end":1537.485,"sentiment":"neutral","sentiment_score":0.27723718050026125},{"text":"So in the last twelve months after fee, it's still up by 12.65%, which is really good.","start":1537.785,"end":1545.3,"sentiment":"positive","sentiment_score":0.631080662502962}],"sentiment":"positive","sentiment_score":0.4025567470428844,"channel":0,"num_words":48,"start":1528.86,"end":1545.3},{"sentences":[{"text":"Yep.","start":1545.84,"end":1546.34,"sentiment":"positive","sentiment_score":0.410822719335556},{"text":"Cool.","start":1546.4,"end":1546.72,"sentiment":"positive","sentiment_score":0.4602931141853333},{"text":"Okay.","start":1546.72,"end":1547.22,"sentiment":"neutral","sentiment_score":0.2786060571670532}],"sentiment":"positive","sentiment_score":0.38324063022931415,"channel":1,"num_words":3,"start":1545.84,"end":1547.22},{"sentences":[{"text":"Yep.","start":1547.06,"end":1547.56,"sentiment":"neutral","sentiment_score":0.2510424554347992},{"text":"Now when it actually comes to the individual investments, when you do see the email form that does come through, you can see that most of your investments have done really well, and it has been obviously, one of your investments in particular has gone crazy at the moment, which is your Global X, Better Tech, and Lithium.","start":1548.8201,"end":1569.4551,"sentiment":"neutral","sentiment_score":0.2737207872600391},{"text":"That one's up by about 99%, which is insane.","start":1569.995,"end":1573.34,"sentiment":"positive","sentiment_score":0.3649062514305115},{"text":"Obviously, with the war and everything, electric vehicles have obviously seen a bit of an increase.","start":1573.72,"end":1579.66,"sentiment":"neutral","sentiment_score":-0.04376163869164884},{"text":"So that one has been pretty crazy.","start":1579.88,"end":1581.82,"sentiment":"neutral","sentiment_score":0.04844270433698382}],"sentiment":"neutral","sentiment_score":0.20933974824927665,"channel":0,"num_words":91,"start":1547.06,"end":1581.82},{"sentences":[{"text":"But even your tech company there at 20% up, your beta shift roughly has been up by a lot.","start":1582.0399,"end":1588.46,"sentiment":"neutral","sentiment_score":0.19465131469463048},{"text":"Gold has also done really well up at about 17%.","start":1589.695,"end":1593.3949,"sentiment":"positive","sentiment_score":0.33783587962388995},{"text":"Now there is one investment that I would like to look at changing for you, and that is your Benelong Australian equity fund.","start":1593.855,"end":1603.01,"sentiment":"neutral","sentiment_score":0.10502501188412956},{"text":"Are you quite familiar with the different types and styles of investments there, Daniel?","start":1603.01,"end":1607.11,"sentiment":"neutral","sentiment_score":0.03366283207599606}],"sentiment":"neutral","sentiment_score":0.1509634651187243,"channel":0,"num_words":66,"start":1582.0399,"end":1607.11},{"sentences":[{"text":"Of the different styles of investments?","start":1608.845,"end":1610.945,"sentiment":"neutral","sentiment_score":0.019714389306803543}],"sentiment":"neutral","sentiment_score":0.019714389306803543,"channel":1,"num_words":6,"start":1608.845,"end":1610.945},{"sentences":[{"text":"Different types like direct shares, ETF, managed funds.","start":1612.13,"end":1615.67,"sentiment":"neutral","sentiment_score":0.023710949579253793}],"sentiment":"neutral","sentiment_score":0.023710949579253793,"channel":0,"num_words":8,"start":1612.13,"end":1615.67},{"sentences":[{"text":"Oh, yeah.","start":1616.1001,"end":1616.66,"sentiment":"neutral","sentiment_score":0.037295036017894745},{"text":"Yeah.","start":1616.66,"end":1617.14,"sentiment":"neutral","sentiment_score":0.03154785931110382},{"text":"Yeah.","start":1617.14,"end":1617.3,"sentiment":"neutral","sentiment_score":0.03157385438680649},{"text":"I've","start":1617.3,"end":1617.4601,"sentiment":"neutral","sentiment_score":0.018824202939867973}],"sentiment":"neutral","sentiment_score":0.031307197734713556,"channel":1,"num_words":5,"start":1616.1001,"end":1617.4601},{"sentences":[{"text":"Yeah.","start":1617.345,"end":1617.8251,"sentiment":"neutral","sentiment_score":0.026103835552930832}],"sentiment":"neutral","sentiment_score":0.026103835552930832,"channel":0,"num_words":1,"start":1617.345,"end":1617.8251},{"sentences":[{"text":"got a a","start":1617.4601,"end":1617.9401,"sentiment":"neutral","sentiment_score":0.019397928689916927}],"sentiment":"neutral","sentiment_score":0.019397928689916927,"channel":1,"num_words":3,"start":1617.4601,"end":1617.9401},{"sentences":[{"text":"Okay.","start":1617.8251,"end":1618.3251,"sentiment":"neutral","sentiment_score":0.012371690943837166}],"sentiment":"neutral","sentiment_score":0.012371690943837166,"channel":0,"num_words":1,"start":1617.8251,"end":1618.3251},{"sentences":[{"text":"bit of an understanding between all that.","start":1617.9401,"end":1619.9401,"sentiment":"neutral","sentiment_score":0.014183629836354936},{"text":"Yeah.","start":1619.9401,"end":1620.4401,"sentiment":"neutral","sentiment_score":0.0683320164680481}],"sentiment":"neutral","sentiment_score":0.02095217816531658,"channel":1,"num_words":8,"start":1617.9401,"end":1620.4401},{"sentences":[{"text":"Yeah.","start":1620.545,"end":1620.865,"sentiment":"neutral","sentiment_score":0.09438381344079971},{"text":"Okay.","start":1620.865,"end":1621.105,"sentiment":"neutral","sentiment_score":0.2015402615070343},{"text":"Great.","start":1621.105,"end":1621.425,"sentiment":"positive","sentiment_score":0.5856035947799683},{"text":"Perfect.","start":1621.425,"end":1621.925,"sentiment":"positive","sentiment_score":0.5253778696060181},{"text":"So your managed fund, you have one managed fund at the moment, which is the Bennelong Australian Equities.","start":1622.7051,"end":1628.005,"sentiment":"neutral","sentiment_score":0.17473388007945484}],"sentiment":"neutral","sentiment_score":0.20691433548927307,"channel":0,"num_words":22,"start":1620.545,"end":1628.005},{"sentences":[{"text":"All the other investments are your ETF.","start":1628.0651,"end":1630.005,"sentiment":"neutral","sentiment_score":0.1314245866877692},{"text":"Now with the Bennelong in investments, the function, obviously, of that one is to actively buy and sell different investments in order to try to outperform the market, not really just, like, tracking the index or tracking the market.","start":1630.59,"end":1641.8099,"sentiment":"neutral","sentiment_score":0.15712862669561917},{"text":"Now when you came on board and that one has done really well, it that was why it was added to your portfolio to kind of give you that little active management component.","start":1641.95,"end":1651.975,"sentiment":"neutral","sentiment_score":0.3185252163446311}],"sentiment":"neutral","sentiment_score":0.22226988211792859,"channel":0,"num_words":79,"start":1628.0651,"end":1651.975},{"sentences":[{"text":"Yep.","start":1652.99,"end":1653.47,"sentiment":"neutral","sentiment_score":0.15343612432479858}],"sentiment":"neutral","sentiment_score":0.15343612432479858,"channel":1,"num_words":1,"start":1652.99,"end":1653.47},{"sentences":[{"text":"More","start":1653.155,"end":1653.555,"sentiment":"neutral","sentiment_score":0.08497288823127747}],"sentiment":"neutral","sentiment_score":0.08497288823127747,"channel":0,"num_words":1,"start":1653.155,"end":1653.555},{"sentences":[{"text":"Okay.","start":1653.47,"end":1653.97,"sentiment":"neutral","sentiment_score":0.1078917309641838}],"sentiment":"neutral","sentiment_score":0.1078917309641838,"channel":1,"num_words":1,"start":1653.47,"end":1653.97},{"sentences":[{"text":"recently, they have underperformed a little bit.","start":1653.555,"end":1657.0,"sentiment":"neutral","sentiment_score":0.09334322810173035},{"text":"So that is one that is down at the moment.","start":1657.2999,"end":1659.88,"sentiment":"neutral","sentiment_score":-0.24767008572816848},{"text":"So, obviously, the investment committee does do a lot of research on the investments all the time because we wanna make sure that we also are proactive with changes as the market and investments do change.","start":1660.66,"end":1674.585,"sentiment":"neutral","sentiment_score":0.09292683719346921},{"text":"So the good thing with Hub twenty four is you have hundreds and hundreds of different investment options to choose from, and we've done a lot of research on it.","start":1675.125,"end":1683.125,"sentiment":"positive","sentiment_score":0.43081680486599605},{"text":"And not always when any investment is down do you wanna sell if you should see it coming back around.","start":1683.125,"end":1687.9199,"sentiment":"neutral","sentiment_score":0.008868493139743805}],"sentiment":"neutral","sentiment_score":0.14198001832203958,"channel":0,"num_words":103,"start":1653.555,"end":1687.9199},{"sentences":[{"text":"But with the investment, because they have been a little bit slower in making their investment choices lately, the investment committee has done a lot of research on a another suitable option to look at, just swapping that one for you.","start":1688.62,"end":1704.585,"sentiment":"neutral","sentiment_score":0.029496434076530176},{"text":"Now the one that we have looked at is your BetaShares Australia 200.","start":1705.125,"end":1710.0049,"sentiment":"neutral","sentiment_score":0.06835504048145734},{"text":"Have you ever heard of that?","start":1710.0049,"end":1711.3849,"sentiment":"neutral","sentiment_score":0.028943772427737713}],"sentiment":"neutral","sentiment_score":0.037860532632718484,"channel":0,"num_words":60,"start":1688.62,"end":1711.3849},{"sentences":[{"text":"No.","start":1712.075,"end":1712.235,"sentiment":"neutral","sentiment_score":-0.05261247605085373},{"text":"I haven't heard of them.","start":1712.235,"end":1713.4349,"sentiment":"neutral","sentiment_score":-0.03649027310311794},{"text":"No.","start":1713.4349,"end":1713.9349,"sentiment":"neutral","sentiment_score":-0.058336518704891205}],"sentiment":"neutral","sentiment_score":-0.041914337181619236,"channel":1,"num_words":7,"start":1712.075,"end":1713.9349},{"sentences":[{"text":"No.","start":1713.86,"end":1714.36,"sentiment":"neutral","sentiment_score":-0.03222391754388809},{"text":"So, basically, because if we are looking at removing one Australian investment from your portfolio, we still wanna make sure that you do have some exposure to the Australian market.","start":1715.22,"end":1725.2999,"sentiment":"neutral","sentiment_score":0.019585963586966196},{"text":"We don't want everything in The US or everything in emerging markets or, like, we wanna make sure we keep everything very well diversified for you.","start":1725.2999,"end":1733.715,"sentiment":"neutral","sentiment_score":0.05629578229183188},{"text":"So we were looking at another Australian option to swap that one for you.","start":1733.935,"end":1738.435,"sentiment":"neutral","sentiment_score":0.08163703898234027},{"text":"And keeping all","start":1738.975,"end":1739.775,"sentiment":"neutral","sentiment_score":0.04578660676876704}],"sentiment":"neutral","sentiment_score":0.04458545534745664,"channel":0,"num_words":74,"start":1713.86,"end":1739.775},{"sentences":[{"text":"Okay.","start":1739.625,"end":1740.125,"sentiment":"neutral","sentiment_score":0.0864286795258522}],"sentiment":"neutral","sentiment_score":0.0864286795258522,"channel":1,"num_words":1,"start":1739.625,"end":1740.125},{"sentences":[{"text":"the diversification and the investments will look to fit the same.","start":1739.775,"end":1743.075,"sentiment":"neutral","sentiment_score":0.11654662747274745},{"text":"Now with the a 200, so the beta shares a 200, the way that that one works is, it just invests in the 200 largest companies listed in Australia.","start":1743.51,"end":1755.37,"sentiment":"neutral","sentiment_score":0.10543488711118698},{"text":"So it's a bit more simplified in that.","start":1755.985,"end":1758.5449,"sentiment":"neutral","sentiment_score":0.12064696382731199},{"text":"It just tracks the 200 largest companies.","start":1758.5449,"end":1760.965,"sentiment":"neutral","sentiment_score":0.12148618059498924},{"text":"So as a company grows and gets bigger, it gets added to your portfolio.","start":1761.105,"end":1765.5249,"sentiment":"neutral","sentiment_score":0.19281873532703944}],"sentiment":"neutral","sentiment_score":0.1283284912722698,"channel":0,"num_words":69,"start":1739.775,"end":1765.5249},{"sentences":[{"text":"And, obviously, as something gets smaller, it kind of gets out of those eight two hundred.","start":1766.3049,"end":1770.325,"sentiment":"neutral","sentiment_score":0.018974641105160117},{"text":"So you don't have that same kind of active buying and selling different investments.","start":1770.8201,"end":1774.8401,"sentiment":"neutral","sentiment_score":0.03259975795767137},{"text":"But with the eight two hundred, it has performed a lot better than your Venalone investment recently.","start":1775.7001,"end":1780.76,"sentiment":"positive","sentiment_score":0.3818579947247225},{"text":"Because you don't have that same kind of active buying and selling, it's also a bit cheaper.","start":1781.3,"end":1786.425,"sentiment":"neutral","sentiment_score":0.19912863741902745},{"text":"So we have looked at swapping that one for you if that is something that you are happy with.","start":1786.965,"end":1792.985,"sentiment":"positive","sentiment_score":0.3725206726475766}],"sentiment":"neutral","sentiment_score":0.21342959513057427,"channel":0,"num_words":83,"start":1766.3049,"end":1792.985},{"sentences":[{"text":"Yeah.","start":1793.9801,"end":1794.2201,"sentiment":"neutral","sentiment_score":0.1795479655265808},{"text":"Yeah.","start":1794.2201,"end":1794.54,"sentiment":"neutral","sentiment_score":0.11491923034191132},{"text":"No.","start":1794.54,"end":1794.8601,"sentiment":"neutral","sentiment_score":-0.008332844823598862},{"text":"No.","start":1794.8601,"end":1795.02,"sentiment":"neutral","sentiment_score":-0.056120168417692184},{"text":"That's fine.","start":1795.02,"end":1795.8401,"sentiment":"neutral","sentiment_score":0.0767408013343811}],"sentiment":"neutral","sentiment_score":0.06391596421599388,"channel":1,"num_words":6,"start":1793.9801,"end":1795.8401},{"sentences":[{"text":"That 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to manage your investments and your accounts and everything for you in the meantime.","start":2080.35,"end":2086.2551,"sentiment":"positive","sentiment_score":0.4210730479522185},{"text":"Does that make 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show you that one investment switch for you as well.","start":2130.61,"end":2136.87,"sentiment":"neutral","sentiment_score":0.329125941351608}],"sentiment":"neutral","sentiment_score":0.31742393110807127,"channel":0,"num_words":78,"start":2114.595,"end":2136.87},{"sentences":[{"text":"Yep.","start":2137.9849,"end":2138.305,"sentiment":"neutral","sentiment_score":0.1630862057209015},{"text":"Okay.","start":2138.305,"end":2138.805,"sentiment":"neutral","sentiment_score":0.1960790753364563}],"sentiment":"neutral","sentiment_score":0.1795826405286789,"channel":1,"num_words":2,"start":2137.9849,"end":2138.805},{"sentences":[{"text":"Yep.","start":2138.77,"end":2139.27,"sentiment":"neutral","sentiment_score":0.2537103295326233},{"text":"Perfect.","start":2139.665,"end":2140.165,"sentiment":"positive","sentiment_score":0.5169622898101807},{"text":"Now do you have any questions for me otherwise at this point, Daniel?","start":2140.385,"end":2144.965,"sentiment":"neutral","sentiment_score":0.0993794512290221}],"sentiment":"neutral","sentiment_score":0.13750703235467274,"channel":0,"num_words":15,"start":2138.77,"end":2144.965},{"sentences":[{"text":"I just popped in my head.","start":2146.9448,"end":2148.065,"sentiment":"neutral","sentiment_score":-0.03306197212077677},{"text":"I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by","start":2148.065,"end":2157.6702,"sentiment":"neutral","sentiment_score":-0.007426855191588402}],"sentiment":"neutral","sentiment_score":-0.012388490726270022,"channel":1,"num_words":31,"start":2146.9448,"end":2157.6702},{"sentences":[{"text":"Mhmm.","start":2157.4402,"end":2157.9402,"sentiment":"neutral","sentiment_score":-0.013162435963749886}],"sentiment":"neutral","sentiment_score":-0.013162435963749886,"channel":0,"num_words":1,"start":2157.4402,"end":2157.9402},{"sentences":[{"text":"the time that time comes around, like, it'd probably be better for $3,000 a week in","start":2157.6702,"end":2164.7751,"sentiment":"neutral","sentiment_score":-0.00858306314330548}],"sentiment":"neutral","sentiment_score":-0.00858306314330548,"channel":1,"num_words":16,"start":2157.6702,"end":2164.7751},{"sentences":[{"text":"Yep.","start":2164.735,"end":2165.135,"sentiment":"neutral","sentiment_score":0.021447952836751934}],"sentiment":"neutral","sentiment_score":0.021447952836751934,"channel":0,"num_words":1,"start":2164.735,"end":2165.135},{"sentences":[{"text":"the 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go.","start":2178.91,"end":2183.39,"sentiment":"neutral","sentiment_score":0.09500387204544884},{"text":"Because then also for a lot of people, the goal by the time you return, fix, and retire is to hopefully have the mortgage paid off.","start":2183.39,"end":2190.825,"sentiment":"neutral","sentiment_score":0.09038376363997276},{"text":"So then you","start":2191.065,"end":2191.545,"sentiment":"neutral","sentiment_score":0.04689052080114683}],"sentiment":"neutral","sentiment_score":0.08991277510044622,"channel":0,"num_words":51,"start":2178.51,"end":2191.545},{"sentences":[{"text":"Yeah.","start":2191.47,"end":2191.97,"sentiment":"neutral","sentiment_score":0.06268156319856644}],"sentiment":"neutral","sentiment_score":0.06268156319856644,"channel":1,"num_words":1,"start":2191.47,"end":2191.97},{"sentences":[{"text":"won't have, obviously, the mortgage expenses, and you'll be mainly, you know, living expenses, you're gonna do some traveling, and and stuff like 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tells me that you have received the documents.","start":2253.7651,"end":2256.185,"sentiment":"neutral","sentiment_score":0.1635697213086215},{"text":"Any questions, sorry, just give me a call.","start":2256.645,"end":2258.745,"sentiment":"neutral","sentiment_score":0.03912323899567127}],"sentiment":"neutral","sentiment_score":0.17689039707183837,"channel":0,"num_words":35,"start":2250.5652,"end":2258.745},{"sentences":[{"text":"Yeah.","start":2259.3699,"end":2259.77,"sentiment":"neutral","sentiment_score":0.199795663356781},{"text":"Cool.","start":2259.77,"end":2260.01,"sentiment":"positive","sentiment_score":0.3851209282875061},{"text":"And all your","start":2260.01,"end":2260.5698,"sentiment":"neutral","sentiment_score":0.12752373764912286}],"sentiment":"neutral","sentiment_score":0.19349756091833115,"channel":1,"num_words":5,"start":2259.3699,"end":2260.5698},{"sentences":[{"text":"Yeah.","start":2260.405,"end":2260.74,"sentiment":"neutral","sentiment_score":0.08438756316900253}],"sentiment":"neutral","sentiment_score":0.08438756316900253,"channel":0,"num_words":1,"start":2260.405,"end":2260.74},{"sentences":[{"text":"details will be at the bottom of the email or whatnot?","start":2260.5698,"end":2263.39,"sentiment":"neutral","sentiment_score":0.09818067740310323}],"sentiment":"neutral","sentiment_score":0.09818067740310323,"channel":1,"num_words":11,"start":2260.5698,"end":2263.39},{"sentences":[{"text":"Yeah.","start":2264.5,"end":2264.66,"sentiment":"neutral","sentiment_score":0.04636957123875618},{"text":"Sorry.","start":2264.66,"end":2264.98,"sentiment":"neutral","sentiment_score":0.021382145583629608},{"text":"That one is a digital digital one.","start":2264.98,"end":2267.22,"sentiment":"neutral","sentiment_score":0.07044818039451327},{"text":"So you can just click on the link or it says sign now.","start":2267.22,"end":2270.6,"sentiment":"neutral","sentiment_score":0.13052728313666123},{"text":"It will just ask you to add your email and your signature, And then my colleague, Whitlam, will send you, like, a separate email with the beneficiary forms.","start":2270.74,"end":2280.115,"sentiment":"neutral","sentiment_score":0.16671619111938135}],"sentiment":"neutral","sentiment_score":0.13851594023406505,"channel":0,"num_words":50,"start":2264.5,"end":2280.115},{"sentences":[{"text":"But then you will receive the the ROI directly from me, and that has all my contact details and everything on it as well.","start":2280.4148,"end":2287.47,"sentiment":"neutral","sentiment_score":0.2501062999169032}],"sentiment":"neutral","sentiment_score":0.2501062999169032,"channel":0,"num_words":24,"start":2280.4148,"end":2287.47},{"sentences":[{"text":"Cool.","start":2288.28,"end":2288.78,"sentiment":"positive","sentiment_score":0.5815040469169617},{"text":"Yeah.","start":2288.8398,"end":2289.3198,"sentiment":"positive","sentiment_score":0.5299583077430725},{"text":"Awesome.","start":2289.3198,"end":2289.8198,"sentiment":"positive","sentiment_score":0.752953290939331}],"sentiment":"positive","sentiment_score":0.6214718818664551,"channel":1,"num_words":3,"start":2288.28,"end":2289.8198},{"sentences":[{"text":"Yeah.","start":2289.39,"end":2289.79,"sentiment":"positive","sentiment_score":0.6375340223312378},{"text":"Beautiful.","start":2289.79,"end":2290.27,"sentiment":"positive","sentiment_score":0.7765787839889526},{"text":"So, yeah, if there's anything you need, you can just respond to that email or just give the office a call, and we can always book you in for a bit of a catch up.","start":2290.27,"end":2296.69,"sentiment":"positive","sentiment_score":0.42483656576701573}],"sentiment":"positive","sentiment_score":0.4400916921125876,"channel":0,"num_words":37,"start":2289.39,"end":2296.69},{"sentences":[{"text":"Yeah.","start":2297.175,"end":2297.675,"sentiment":"positive","sentiment_score":0.3437802195549011},{"text":"Cool.","start":2297.735,"end":2298.235,"sentiment":"positive","sentiment_score":0.5472205877304077}],"sentiment":"positive","sentiment_score":0.4455004036426544,"channel":1,"num_words":2,"start":2297.175,"end":2298.235},{"sentences":[{"text":"Yeah.","start":2298.03,"end":2298.53,"sentiment":"positive","sentiment_score":0.4947494566440582},{"text":"Beautiful.","start":2298.83,"end":2299.31,"sentiment":"positive","sentiment_score":0.7694918513298035},{"text":"Well, thank you so much for your time today, Daniel.","start":2299.31,"end":2301.7551,"sentiment":"positive","sentiment_score":0.8555512249469757},{"text":"It was lovely speaking with you, and anything you need, just let me know.","start":2301.7551,"end":2304.8152,"sentiment":"positive","sentiment_score":0.8574537464550563}],"sentiment":"positive","sentiment_score":0.8393886926082464,"channel":0,"num_words":26,"start":2298.03,"end":2304.8152},{"sentences":[{"text":"Thanks very much.","start":2305.175,"end":2306.135,"sentiment":"positive","sentiment_score":0.8693147897720337},{"text":"It's Been a pleasure.","start":2306.135,"end":2307.07,"sentiment":"positive","sentiment_score":0.8108700960874557}],"sentiment":"positive","sentiment_score":0.8359178219522748,"channel":1,"num_words":7,"start":2305.175,"end":2307.07},{"sentences":[{"text":"No worries.","start":2306.955,"end":2307.615,"sentiment":"neutral","sentiment_score":0.3241319954395294},{"text":"Yeah.","start":2307.675,"end":2308.0752,"sentiment":"neutral","sentiment_score":0.3085139989852905},{"text":"Likewise.","start":2308.0752,"end":2308.5752,"sentiment":"neutral","sentiment_score":0.20541515946388245},{"text":"We'll speak soon.","start":2308.715,"end":2309.695,"sentiment":"neutral","sentiment_score":0.20779464145501456}],"sentiment":"neutral","sentiment_score":0.2550824390990393,"channel":0,"num_words":7,"start":2306.955,"end":2309.695},{"sentences":[{"text":"Okey doke.","start":2310.41,"end":2311.23,"sentiment":"neutral","sentiment_score":0.12524087727069855}],"sentiment":"neutral","sentiment_score":0.12524087727069855,"channel":1,"num_words":2,"start":2310.41,"end":2311.23},{"sentences":[{"text":"Okay.","start":2311.5952,"end":2312.0952,"sentiment":"neutral","sentiment_score":0.1391477733850479},{"text":"Bye.","start":2312.155,"end":2312.655,"sentiment":"neutral","sentiment_score":0.19738779962062836}],"sentiment":"neutral","sentiment_score":0.16826778650283813,"channel":0,"num_words":2,"start":2311.5952,"end":2312.655},{"sentences":[{"text":"See you.","start":2313.29,"end":2313.95,"sentiment":"neutral","sentiment_score":0.09401055425405502}],"sentiment":"neutral","sentiment_score":0.09401055425405502,"channel":1,"num_words":2,"start":2313.29,"end":2313.95}]},"summary":{"result":"success","short":"Representatives from Rickview Financial conduct an annual review and provide login IDs and updates on the customer's financial situation, income, assets, and personal information. They emphasize the importance of maximizing growth and staying comfortable with the portfolio. The representative provides advice on investing heavily in high growth assets and offers a new investment, Benelong Australian equity fund, for the customer. The customer is reminded of fees and compliance forms, and is offered assistance if needed."},"intents":{"segments":[{"text":"But the only second thing is the the reset password, that email address is no longer current, and my Yes.","start_word":433,"end_word":452,"intents":[{"intent":"Check email","confidence_score":0.0010387804},{"intent":"Update email address","confidence_score":0.009007949}]},{"text":"I will have a look and see if I can see it. But if not, I have this included, just a digital sign signature of one anyway, just in case, and that is just to change the the email address there for Yeah.","start_word":537,"end_word":579,"intents":[{"intent":"Provide digital sign sign","confidence_score":0.009621323}]},{"text":"That way, as soon as we can get that one updated, same with their phone number there for you, once that's updated, you can then reset your password and get into access to your account. Yeah.","start_word":582,"end_word":617,"intents":[{"intent":"Access account","confidence_score":0.18233833}]},{"text":"Was there any other questions you had otherwise? No.","start_word":628,"end_word":636,"intents":[{"intent":"Answer questions","confidence_score":0.29208735}]},{"text":"So what I might do first is to just run through just a bit of an update at FactFone with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all.","start_word":646,"end_word":692,"intents":[{"intent":"Seek assistance","confidence_score":0.0011354928}]},{"text":"So what I might do first is to just run through just a bit of an update at FactFone with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I run through this information. Now I can see here some personal information that you are in a de facto relationship. Is that correct? No.","start_word":646,"end_word":725,"intents":[{"intent":"Update information","confidence_score":0.1423978}]},{"text":"And best contact number? 0438 Three eight.","start_word":800,"end_word":806,"intents":[{"intent":"Provide contact number","confidence_score":0.12720107}]},{"text":"Occupation wise, has any of that changed for you, Daniel? No. No.","start_word":843,"end_word":854,"intents":[{"intent":"Inquire about occupation change","confidence_score":0.008055371}]},{"text":"Now I have income here of around 150,000. Is that still the case? Yeah.","start_word":878,"end_word":891,"intents":[{"intent":"Confirm income","confidence_score":0.46236652}]},{"text":"you are not making any contributions through superannuation? No.","start_word":919,"end_word":927,"intents":[{"intent":"Express concern about contributions","confidence_score":0.002175641}]},{"text":"And do you know as well about the medical levy surcharge if you don't have private health insurance, like, hospital covers as a high income earner. Have you heard of that before? No.","start_word":1312,"end_word":1344,"intents":[{"intent":"Confirm information about charges","confidence_score":9.4183974e-7}]},{"text":"Now when it comes to your beneficiaries for your super as well, at the moment, I have Dorothy at 50% and then Yep. Michael at 50%. I do Yeah. have Okay. here Dorothy as his spouse. Would you like to change that? Yeah. Yeah.","start_word":1636,"end_word":1679,"intents":[{"intent":"Change beneficiary information","confidence_score":0.036929842}]},{"text":"They do make it a bit complicated that way, but I do wanna make sure if they're gonna have to do that it will actually go to who you want it to go through and not that the student will turn around and say, well, they don't need the definition. Therefore, it's now gonna go to this site, and then anyone can make a claim for it. Yeah.","start_word":2017,"end_word":2084,"intents":[{"intent":"Make a claim","confidence_score":0.014596728}]},{"text":"Perfect.","start_word":2441,"end_word":2441,"intents":[{"intent":"Identify self","confidence_score":0.0017674637}]},{"text":"Anything else that you're working towards?","start_word":2442,"end_word":2447,"intents":[{"intent":"Evaluate performance","confidence_score":0.0033400983}]},{"text":"Is that still your goal, or do you think you might need a little bit more for retirement, or do you think that will Yeah.","start_word":2527,"end_word":2551,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.07925775}]},{"text":"Now the next thing is just to run through just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed if you want to make any changes to your risk profile at all.","start_word":2581,"end_word":2623,"intents":[{"intent":"Discuss risk profile questionnaire","confidence_score":0.41294768},{"intent":"Evaluate potential changes","confidence_score":0.00449467}]},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start_word":2773,"end_word":2810,"intents":[{"intent":"Analyze market trends","confidence_score":0.0006358665}]},{"text":"Would you say optimistic about potential investment opportunity?","start_word":3033,"end_word":3040,"intents":[{"intent":"Evaluate investing opportunities","confidence_score":0.0018475897}]},{"text":"And now the last thing here, Daniel, is do you have access to your emails at the moment, your new email address? Yeah. Yeah.","start_word":3420,"end_word":3443,"intents":[{"intent":"Check access to emails","confidence_score":0.045563884}]},{"text":"Now what you will also see is a performance report. So that one there give you a breakdown of your current portfolio over the last twelve months. So it shows you all your individual investments, how they have performed over the last twelve months, and it's all after fees as well to show you.","start_word":3697,"end_word":3750,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.6773316}]},{"text":"So, basically, because if we are looking at removing one Australian investment from your portfolio, we still wanna make sure that you do have some exposure to the Australian market. We don't want everything in The US or everything in emerging markets or, like, we wanna make sure we keep everything very well diversified for you. So we were looking at another Australian option to swap that one for you. And keeping all Okay.","start_word":4265,"end_word":4338,"intents":[{"intent":"Evaluate investments","confidence_score":0.017099187}]},{"text":"So we have looked at swapping that one for you if that is something that you are happy with. Yeah.","start_word":4472,"end_word":4491,"intents":[{"intent":"Swap product","confidence_score":0.3481965}]},{"text":"What we what we will do is just so you have a record of the change as well, is that I will get a record of advice drawn up for you. You don't need to sign it or anything like that, but it is just for your record to say that we have switched Ben along to 8200 for you. Yeah. Yep.","start_word":4555,"end_word":4616,"intents":[{"intent":"Get advice on converting change","confidence_score":0.0000251786}]},{"text":"Sometimes at the end of the day, it tend to be a little bit slower, but I will follow-up when we get off the phone as well.","start_word":4755,"end_word":4781,"intents":[{"intent":"Follow-up","confidence_score":0.2658681}]},{"text":"It says here it's been sent on my end, and, yes, it's the same address. So I'll keep a look at it, and I'll chat with IT as well when we get off the phone just to triple check. And I'll look at it tomorrow as well just to see if that came through for you. Cool.","start_word":4867,"end_word":4923,"intents":[{"intent":"Send documents","confidence_score":0.10332638},{"intent":"Check status","confidence_score":0.2969991}]},{"text":"The other thing I do wanna check on as well is that, obviously, you don't have any insurances at the moment. Are you still happy with no insurances? Yeah.","start_word":4944,"end_word":4972,"intents":[{"intent":"Check insurance status","confidence_score":0.0027456016}]},{"text":"And then the last thing is you will also have a financial services guide. It's just one of those compliance forms, but it does give you all the important information in regards to us here at OTU.","start_word":5080,"end_word":5116,"intents":[{"intent":"Provide information","confidence_score":0.116692275},{"intent":"Provide information","confidence_score":0.12215705}]},{"text":"None of the important information has changed, but we have done just a bit of an update to our marketing and also had a bit of an extension to the team.","start_word":5118,"end_word":5148,"intents":[{"intent":"Update marketing and extension","confidence_score":0.35789627}]},{"text":"Now the last thing it will ask you to do, if you're happy to do so when the document does come through, is that it will just ask you to sign the ongoing service agreement.","start_word":5189,"end_word":5223,"intents":[{"intent":"Sign service agreement","confidence_score":0.6812067}]},{"text":"Otherwise, by signing this, it just allows us to manage your investments and your accounts and everything for you in the meantime. Does that make sense? Yeah.","start_word":5290,"end_word":5316,"intents":[{"intent":"Manage investments","confidence_score":0.26105008}]},{"text":"Now I have also just included that change of detail form for you to get that updated. But when I get off the phone, I'll also just check with Maddie if she received that back, and we can get that sorted, update the address, the email address, and your phone number, and then also get that. So you can get access to your account by logging in yourself as well. Yeah.","start_word":5320,"end_word":5390,"intents":[{"intent":"Update address","confidence_score":0.13920198},{"intent":"Update email","confidence_score":0.12302443}]},{"text":"And then the last thing is that I will send you that record of advice just to show you that one investment switch for you as well. Yep.","start_word":5445,"end_word":5472,"intents":[{"intent":"Send document of advice","confidence_score":0.0046661105}]},{"text":"I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by Mhmm. the time that time comes around, like, it'd probably be better for $3,000 a week in Yep.","start_word":5496,"end_word":5538,"intents":[{"intent":"Provide savings","confidence_score":0.000018316789},{"intent":"Discuss future vs. actuel retirement goals","confidence_score":1.0525121e-12}]},{"text":"I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by Mhmm. the time that time comes around, like, it'd probably be better for $3,000 a week in Yep. the future Okay. with inflation. Yeah. So I can just update that for you just to say that the goal is about 3,000 a week. yeah.","start_word":5496,"end_word":5564,"intents":[{"intent":"Update retirement goal and provide retirement expense","confidence_score":1.08342135e-7}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.050174083560705185},{"text":"Good afternoon.","start_word":1,"end_word":2,"sentiment":"positive","sentiment_score":0.3334384858608246},{"text":"Is this Daniel? Yeah. Hello? Yeah. This is Veronica from Rickview Financial. How are you this afternoon?","start_word":3,"end_word":19,"sentiment":"neutral","sentiment_score":0.16757167875766754},{"text":"Oh, good. Thanks. That's good. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":20,"end_word":43,"sentiment":"positive","sentiment_score":0.5693671107292175},{"text":"Yeah. Yep. Yep.","start_word":44,"end_word":46,"sentiment":"neutral","sentiment_score":0.13166283071041107},{"text":"Perfect.","start_word":47,"end_word":47,"sentiment":"positive","sentiment_score":0.5006746649742126},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yeah. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. It's Daniel Ashton and twelfth of fourth nineteen ninety and Yep. 344 Mango Road in Arriga. Yep.","start_word":48,"end_word":128,"sentiment":"neutral","sentiment_score":0.05696740746498108},{"text":"Perfect. That's exactly what I have here.","start_word":129,"end_word":135,"sentiment":"positive","sentiment_score":0.6032633781433105},{"text":"And how's your day been so far? Been busy? Yeah. Yeah. It's been Yeah.","start_word":136,"end_word":149,"sentiment":"neutral","sentiment_score":0.182290181517601},{"text":"been really good, actually.","start_word":150,"end_word":153,"sentiment":"positive","sentiment_score":0.5839975476264954},{"text":"Yeah. Oh, good. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or whether it's just a bit of a catch up and see where everything's at. I'm just well, I've been talking to I think it's Madison. I'm just having trouble logging in. I forgot my login details. Okay. Is that anything you can help me with? Or Yes and no. I can provide you with your login ID for you to write down, then you just have to do your password yourself. You can just, like, forget password. But do you have access to writing down your number for me? Your login ID Yep. anywhere? Yep. Yeah. So so when you do log in to the app, and it is a bit complex because it sometimes forces you to log out every time because I have the same I use Hub twenty four for my super as well, and sometimes there's a little bit of that. But what you need is your login ID. So let me know when you're ready, and I'll just read it out to you. Yep. Okay. Ready now. Yeah. Sorry. 1368, One three six eight. Yeah. 9584. 9584. Yep. So when you go into the app and you put that in, you can then just do, like, forget forgot password, and you can just reset your password, and that is all you need to log in.","start_word":154,"end_word":430,"sentiment":"neutral","sentiment_score":0.02298116945537204},{"text":"Alright. Cool.","start_word":431,"end_word":432,"sentiment":"positive","sentiment_score":0.3751102387905121},{"text":"But the only second thing is the the reset password, that email address is no longer current, and my Yes. mobile number's been like, I've had a new phone since then as well. Now let me have a look. So part of the document today is that I have included a change of detail form Yeah. because I've we are filled up I've here. filled one of them out and and sent it back. Okay. Let me follow-up. When did you send that back? Just a couple days ago, I'd say. Okay. Let me was it Madison you spoke to? Yeah. Yep. Yeah. Okay. I will have a look and see if I can see it. But if not, I have this included, just a digital sign signature of one anyway, just in case, and that is just to change the the email address there for Yeah. you. Yeah. That way, as soon as we can get that one updated, same with their phone number there for you, once that's updated, you can then reset your password and get into access to your account.","start_word":433,"end_word":616,"sentiment":"neutral","sentiment_score":0.05415766686201096},{"text":"Yeah. That'd be great. Thank you. Yep.","start_word":617,"end_word":623,"sentiment":"positive","sentiment_score":0.6608637571334839},{"text":"No problem at all. Was there any other questions you had otherwise? No. No. That's all. No? That's all. Alright.","start_word":624,"end_word":643,"sentiment":"neutral","sentiment_score":0.05868269503116608},{"text":"Perfect.","start_word":644,"end_word":644,"sentiment":"positive","sentiment_score":0.5683243870735168},{"text":"So what I might do first is to just run through just a bit of an update at FactFone with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I run through this information. Now I can see here some personal information that you are in a de facto relationship. Is that correct? No. That's changed. So just That's changed. Single. single. And do you Yep. have any financial dependence at home? No. Perfect. No. No. Now when it actually comes to a next of 10, so someone that we can contact in the event that something were to happen to you, who would you like to nominate for that? And that can be anybody. My father. Yep. Perfect. And what's his name, please? Michael Ashton. Michael Ashton.","start_word":645,"end_word":798,"sentiment":"neutral","sentiment_score":0.03603044152259827},{"text":"Beautiful.","start_word":799,"end_word":799,"sentiment":"positive","sentiment_score":0.37709689140319824},{"text":"And best contact number? 0438 Three eight. Yep. Yeah. 0438. Just one second. Just had Yeah. a blank, Sure. but I've I've got No. Good. I was, like, pretty impressive if you remember that anyway. it here. Yeah. 043867976 Yep. 9. 769. Perfect. Occupation wise, has any of that changed for you, Daniel? No. No. Still an No. arborist. Don't don't. Yep. Yep. You're still liking it? Yeah. Yep. Yes. And still working, like, self employed? Yep. Yep. Now I have income here of around 150,000. Is that still the case? Yeah. Yep. Yep. And I have expenses of around $200 and savings about 500 a week. Is that correct? Yeah. Yep. Yep. Perfect. And at the moment, No. you are not making any contributions through superannuation? No. Is that something you are planning on or not really right now with work and everything? Just not really right now. Yep. No. That's all good. Now assets wise, I have here a motor vehicle right at about 80,000. Is that still okay? Yeah. Yeah. Yep. Same vehicle. Yep. Yep. K. And you don't have anything owing on that one, do you? No. No. No. Also, a motor vehicle at about 20,000. Sorry. Motorbike. Yes. Correct. Yes. Same. Yep. Yep. That's right. And also a share portfolio of about 20,000. Yeah. It's just gone to 40,000. Yep.","start_word":800,"end_word":1024,"sentiment":"neutral","sentiment_score":-0.0010624956339597702},{"text":"Perfect.","start_word":1025,"end_word":1025,"sentiment":"positive","sentiment_score":0.366051584482193},{"text":"40,000. And do you just have that on, like, a trading platform? Or Yeah. Yeah. Just yep. that Comsec. Yeah. Oh, Yep. yeah. Perfect. Any other new assets or anything we haven't gone over? A house. Just Oh, Did yeah. you buy Like a house? yeah. Yeah. Bought a house. Obviously, got a loan from the bank. I didn't buy it outright. But Yeah. yeah.","start_word":1026,"end_word":1090,"sentiment":"neutral","sentiment_score":0.029594596475362778},{"text":"Perfect. Oh, that's nice.","start_word":1091,"end_word":1094,"sentiment":"positive","sentiment_score":0.387568473815918},{"text":"And how much is the property valued at? 650,000 is what I paid for it. Perfect. And do you know how much is on the mortgage? About 400,000. About 400. Perfect. And is it because I know when we spoke last time for your interview, you were kind of looking at potentially buying a farm with some land. Is that the property you bought, or did you buy something differently? No. That's the that's the one. Oh, yep. Beautiful. And when did you move into there? A year. About a year ago. Just under one year. Oh, yeah. Nice. Any other changes? No. No. Perfect. Any other liabilities aside from the mortgage and in the personal loans credit card tip to pay? An excavator. I bought an excavator for work, so I've got that financed as well. Yep. Yeah. And Yep. is that held through, like, the business or are you a sole trader? That's through the business PTY Yeah. LTD. Perfect. Health and lifestyle wise, have you done here as a nonsmoker? Is that still the case? Yeah. Yes. Yep. Yeah. And have you had any changes to your health in the last twelve months? Any injuries or issues or anything? No. No. Nothing. No. No. Perfect. And do you have private health insurance? No. No. And do you know as well about the medical levy surcharge if you don't have private health insurance, like, hospital covers as a high income earner. Have you heard of that before? No. What is it? Yeah. Sorry. Do you normally do your tax return yourself, or No. is Not that through something an accountant. okay. Yeah. So they will be able to to tell you how much if it if it is. But, usually, with the the medical levy surcharge, it is designed where if you do not have private health insurance with relevant hospital cover, they will get you to pay additional tax as a result. So it is worth considering when you do speak to your accountant Yep. because for this financial year, if your income is less so for a single person, if the income is less than 101,000, you don't have to pay anything. But if it's over that, there is a medical levy surcharge that can apply. So Yeah. just have have it in the back of your mind. Sometimes it still works out that people are like, oh, well, it's the medical levy surcharge is cheaper than the private health insurance. I won't worry about it. But sometimes, obviously, with a higher income, it could be that it's more beneficial to have the private health than what you are paying or can be very similar. So it is worth Yes. looking at. So when you do speak to your accountant, they'd be able to calculate if you are paying medical levy surcharge, how much it is. And then that way, you can go and if you want to check, obviously, private health, get some quotes, and then you can compare yourself with that as well. Okay. Cool. Yeah. Does that make sense? Yeah. Yeah. Yep. Yep. It does. Perfect. Otherwise, estate planning wise, do you have a will or power of attorney in place? No. No. Now when it comes to your beneficiaries for your super as well, at the moment, I have Dorothy at 50% and then Yep. Michael at 50%. I do Yeah. have Okay. here Dorothy as his spouse. Would you like to change that? Yeah. Yeah. Oh, just just leave it for now. Okay. Yeah. Just leave it for now, actually. And because your only thing as well that if it is not her spouse and you have nominated it, if something were to happen to you, obviously, that will get assessed at the time. And if the person does not qualify because, basically, with the superannuation legislation, they are quite strict on who you can actually nominate directly through super to make it a valid nomination. So the only people that you can nominate directly is a a spouse, a child, or a financial dependent, or someone Yeah. who you are in a interdependency relationship. So Yeah. with Michael, I have him as other dependent. Is that your dad?","start_word":1095,"end_word":1802,"sentiment":"neutral","sentiment_score":0.024062133352088053},{"text":"That's bad.","start_word":1803,"end_word":1804,"sentiment":"negative","sentiment_score":-0.4176987111568451},{"text":"Yeah. Yeah. And do you live with him, or does he rely on you financially? No. No. So what we have to do then, if you wanna make sure you give it to you that which you definitely can still do, we would just have to restructure it. Because often, there's a lot of people who want to give it to their their parents or siblings or nephews and nieces, so not anyone in those categories. Mhmm. What we would have to do is we would change it on the forms to say that you want a 100% to go through your legal personal representative. Basically, it's just a fancy will just saying that something were to happen, it will revert to your will. You will have to get a will sorted, though. And then in the will, you can stipulate that you would like it to go through Michael. And if you want it to go to Dorothy as well, if that person is no longer your spouse or you wanna give it to that person, you can still do it because it's not the same, like, requirement. You can give it to anybody who you want in the world, just not directly Yes. through super. Okay. Does that make sense? They do make it a bit complicated that way, but I do wanna make sure if they're gonna have to do that it will actually go to who you want it to go through and not that the student will turn around and say, well, they don't need the definition. Therefore, it's now gonna go to this site, and then anyone can make a claim for it. Yeah. Yeah. Yep. Yeah.","start_word":1805,"end_word":2087,"sentiment":"neutral","sentiment_score":-0.055387413899279314},{"text":"All good.","start_word":2088,"end_word":2089,"sentiment":"positive","sentiment_score":0.4925832152366638},{"text":"Now, Daniel, do you have access to a printer, or do you prefer post? I Completely I could up get to you. I could get access to a a printer. Yeah. Yeah. I can get Yeah. Office Works. Okay. Because what I can do is I can get the team to resend these forms for you, so for your superannuation, and Yep. they can email that to you. And then when you have a moment, obviously, have a think about who you wanna nominate and send it back to us. It just has to be obviously, because you are making a legal nomination, just have to be printed and website, and then send it back to us. And then have a think of a a will as well if you do wanna give it to someone who doesn't fall into the category. Yeah. Okeydoke. Do you have any questions in regards to that? No. No. It's all good. No. Okay.","start_word":2090,"end_word":2249,"sentiment":"neutral","sentiment_score":0.11164706200361252},{"text":"Great. Perfect.","start_word":2250,"end_word":2251,"sentiment":"positive","sentiment_score":0.5207200050354004},{"text":"Otherwise, when it comes to, I guess, goals, the stuff that you are working towards that you are wanting to achieve, Now like I said earlier, obviously, we had here that your your main focus was to buy a farm, which obviously did, so that's great. Is there any other goals that you have for the next twelve months that you are working towards so that you are kind of wanting to achieve at all? Just, I guess, just, yeah, doing up the farm or so. Maybe try and generate Mhmm. some income off off it as well. Yep. Sorry. I'm a very what kind of farm is there? It's just like a bush bushland at the moment. Mhmm. So I don't have any animals, like, any, like, Yep. cows or stuff. But yeah. So just, yeah, Yeah. maybe, clear some bush and, yeah, get some cows or whatever or Yeah. build some, like, stone houses because there's lots of stone around the property and maybe make an MB Oh, or yeah. something.","start_word":2252,"end_word":2424,"sentiment":"neutral","sentiment_score":0.14688159535622838},{"text":"Oh, yeah. That's nice. Nice little way of of building up your wealth as well. Yeah. Perfect.","start_word":2425,"end_word":2441,"sentiment":"positive","sentiment_score":0.6727033257484436},{"text":"Anything else that you're working towards? That's kind of your main focus right now. Not not so so much. Just, yeah, just really focused on, I guess, just, yeah, the farm just building building it up, Yep.","start_word":2442,"end_word":2478,"sentiment":"neutral","sentiment_score":0.1903378069400787},{"text":"trying to create something nice.","start_word":2479,"end_word":2483,"sentiment":"positive","sentiment_score":0.3851259350776672},{"text":"Yeah. No. And when it comes to your superannuation, I have here that, ideally, obviously, it's a bit some some time away, but that you wanna access super at 60 Yep. and ideally draw an income of around a thousand dollars per week. Is that still your goal, or do you think you might need a little bit more for retirement, or do you think that will Yeah. be sufficient? More. I'd bump bump Yes. that up, say, 2,000 a week now. Yeah. Most people, especially with living expenses and everything like that going up.","start_word":2484,"end_word":2578,"sentiment":"neutral","sentiment_score":0.12387122958898544},{"text":"So perfect.","start_word":2579,"end_word":2580,"sentiment":"positive","sentiment_score":0.7373770475387573},{"text":"Now the next thing is just to run through just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed if you want to make any changes to your risk profile at all. Now it is just multiple choice to make it nice and easy, and there's no right or wrong answer. If it doesn't make Yeah. sense, let me know. It's quite similar to last time otherwise. Now let me see here. When it comes to inflation and how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Just repeat that that question again. Sorry. This is the question. Yeah. What So yeah. so when it comes to how much risk you Risk. are willing Yeah. to take, yeah, for Yeah. your superannuation, for Yep. it to continue to grow, Yeah. Would you Yeah. say very high risk, moderate, just high, or small? Let's go. Let's go very high risk. Yeah. Very high. Yep. Yeah.","start_word":2581,"end_word":2770,"sentiment":"neutral","sentiment_score":0.03940012969664837},{"text":"Perfect.","start_word":2771,"end_word":2771,"sentiment":"positive","sentiment_score":0.5167757272720337},{"text":"Yep. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market? So not like one particular investment that's gone bad, just the market as a whole. Would you if you had a good time to invest a little bit more while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to shift to a more secure asset, but that means you are then selling when the prices have dropped? Let's just say the first option. Yeah? The first one. Yep. Yep. And would you invest heavily or just kind of modestly? Yeah. Invest heavily. Like, yeah, Yep. like, the way I think is if you've done your research and you think, you know, it's it's a pretty, like, sure thing or something, Mhmm. like and you just the best of your your knowledge and and Yep. stuff and go all in. Yeah. Perfect. Yeah. And, obviously, when it comes to investments, superannuation or your personal investments or any assets that's ever fallen in value, if you ever noticed then, obviously, the last twelve months, obviously, with your share portfolio, you would have noticed a bit of fluctuations in the market as well with everything that's happened in the world. If you ever noticed that or even go back to COVID, so a bit of fluctuations, how did that make you feel? Would you say optimistic about potential investment opportunity? Be kind of neutral, not making further investment? Concerned or highly anxious? No. Optimistic. Yeah.","start_word":2772,"end_word":3055,"sentiment":"neutral","sentiment_score":-0.06377512044650437},{"text":"The Optimistic.","start_word":3056,"end_word":3057,"sentiment":"positive","sentiment_score":0.48798879981040955},{"text":"first one, for sure. I Yep.","start_word":3058,"end_word":3063,"sentiment":"neutral","sentiment_score":0.3246944546699524},{"text":"like to just try to be that, yes, in all aspects of life.","start_word":3064,"end_word":3076,"sentiment":"positive","sentiment_score":0.3614732027053833},{"text":"Yep. No. Perfect. The last one here is in regards to borrowing money. So would you ever consider taking out a loan through Invest in stocks or funds Or mainly just for, like, property? Yeah. More more so property because yeah. Yep. Yeah. I don't An investment property as well, I'm like, you'd be open through potentially? yeah. Yeah. Yeah. Investment Okay. properties. Yeah. Yep. Now that tells me here, Daniel, that you have come out as a high growth investor, which you probably could tell from the answers, which is the portfolio we have invested in at the moment, which is good. Do you remember what it means to be a high growth investor at all? No. Nope. So, essentially, it tells me that you are looking at getting as much growth out of your superannuation while you still have plenty of time until retirement. Yeah. But at the same time that you are comfortable with and understand that there will be some short term fluctuations in order to achieve that growth. Yeah. Yep. And That's right.","start_word":3077,"end_word":3254,"sentiment":"neutral","sentiment_score":0.10041141510009766},{"text":"yeah. Perfect.","start_word":3255,"end_word":3256,"sentiment":"positive","sentiment_score":0.4383895695209503},{"text":"And when it comes to an actual asset allocation, so how your money is invested, we typically see about 90% or so invested in what we call your growth assets.","start_word":3257,"end_word":3286,"sentiment":"neutral","sentiment_score":0.2384304702281952},{"text":"So, obviously, your Australian shares, international shares, property, and commodities, and that's ultimately what's going to grow that super for you.","start_word":3287,"end_word":3307,"sentiment":"positive","sentiment_score":0.34850358963012695},{"text":"And then about 10% in your defensive, like your cash, your gold, your fixed interest, labor fluctuations a little bit, but making sure we're focused on maximizing that growth. Does that make sense? Yeah. Yeah. Yeah.","start_word":3308,"end_word":3343,"sentiment":"neutral","sentiment_score":0.23464034497737885},{"text":"Perfect.","start_word":3344,"end_word":3344,"sentiment":"positive","sentiment_score":0.493835985660553},{"text":"And, also, when it comes to a time frame, we wanna make sure we have enough time in the market for all those fluctuations. In a high growth portfolio, ideally, we would like to see a year to retirement, which you certainly have behind you.","start_word":3345,"end_word":3389,"sentiment":"neutral","sentiment_score":0.1487855762243271},{"text":"So from a time frame point of view, high growth is a very good option for you as long as you are still comfortable with that.","start_word":3390,"end_word":3415,"sentiment":"positive","sentiment_score":0.4141931831836701},{"text":"Yeah. Yep. Yeah.","start_word":3416,"end_word":3418,"sentiment":"neutral","sentiment_score":0.1820114701986313},{"text":"Great.","start_word":3419,"end_word":3419,"sentiment":"positive","sentiment_score":0.537738561630249},{"text":"And now the last thing here, Daniel, is do you have access to your emails at the moment, your new email address? Yeah. Yeah. Yeah. The SkyClone. Yeah. Yep. Did you yes. Did you just receive an email from myself about twenty minutes ago? I'm just It checking. could go in spam as well because we have just changed the software. So if it's, like, the first time, it could go to spam. Okay. I'll go there. No. It's not in spam. I'll Nothing go back there? to the primary folder. No. Nothing's nothing's come through. Nothing's come through. Let me have a look No. in the software for you. Let me just resend it on my end to see if that answers. Sometimes it is a little bit slow. Yeah. Alright. I'll tryna get that resent for you. But while I wait for that to come through, are you happy for me to start going through some of the documents while we wait so I don't keep you on the phone? Yeah. Yeah. That's all good. Yes? Yeah. Okay.","start_word":3420,"end_word":3599,"sentiment":"neutral","sentiment_score":-0.051982030272483826},{"text":"Perfect.","start_word":3600,"end_word":3600,"sentiment":"positive","sentiment_score":0.38546156883239746},{"text":"Now let me know if it does come through. It should hopefully come through in the next couple of minutes. But what you will see, it's pretty similar to the last under review as well. Just a bit of an update on your superannuation. So you obviously have your super with hub twenty four, and you do have about a $120,049 in there. Yep. So, hopefully, you can get access sooner. You can kind of keep an eye on things a little bit more as well if it is something that you are interested in. Now what you will also see is a performance report. So that one there give you a breakdown of your current portfolio over the last twelve months. So it shows you all your individual investments, how they have performed over the last twelve months, and it's all after fees as well to show you. But, essentially, in the last twelve months, even though we have seen a bit of fluctuations in the market in the last twelve months, your portfolio has still done really well.","start_word":3601,"end_word":3780,"sentiment":"neutral","sentiment_score":0.19811099643508592},{"text":"So in the last twelve months after fee, it's still up by 12.65%, which is really good. Yep. Cool.","start_word":3781,"end_word":3799,"sentiment":"positive","sentiment_score":0.5913545489311218},{"text":"Okay. Yep. Now when it actually comes to the individual investments, when you do see the email form that does come through, you can see that most of your investments have done really well, and it has been obviously, one of your investments in particular has gone crazy at the moment, which is your Global X, Better Tech, and Lithium.","start_word":3800,"end_word":3859,"sentiment":"neutral","sentiment_score":0.2724207639694214},{"text":"That one's up by about 99%, which is insane.","start_word":3860,"end_word":3868,"sentiment":"positive","sentiment_score":0.35979872941970825},{"text":"Obviously, with the war and everything, electric vehicles have obviously seen a bit of an increase. So that one has been pretty crazy. But even your tech company there at 20% up, your beta shift roughly has been up by a lot.","start_word":3869,"end_word":3910,"sentiment":"neutral","sentiment_score":0.07642253488302231},{"text":"Gold has also done really well up at about 17%.","start_word":3911,"end_word":3920,"sentiment":"positive","sentiment_score":0.3378182351589203},{"text":"Now there is one investment that I would like to look at changing for you, and that is your Benelong Australian equity fund. Are you quite familiar with the different types and styles of investments there, Daniel? Of the different styles of investments? Different types like direct shares, ETF, managed funds. Oh, yeah. Yeah. Yeah. I've Yeah. got a a Okay. bit of an understanding between all that. Yeah. Yeah. Okay.","start_word":3921,"end_word":3991,"sentiment":"neutral","sentiment_score":0.05342262238264084},{"text":"Great. Perfect.","start_word":3992,"end_word":3993,"sentiment":"positive","sentiment_score":0.5554907321929932},{"text":"So your managed fund, you have one managed fund at the moment, which is the Bennelong Australian Equities. All the other investments are your ETF. Now with the Bennelong in investments, the function, obviously, of that one is to actively buy and sell different investments in order to try to outperform the market, not really just, like, tracking the index or tracking the market. Now when you came on board and that one has done really well, it that was why it was added to your portfolio to kind of give you that little active management component. Yep. More Okay. recently, they have underperformed a little bit. So that is one that is down at the moment. So, obviously, the investment committee does do a lot of research on the investments all the time because we wanna make sure that we also are proactive with changes as the market and investments do change.","start_word":3994,"end_word":4146,"sentiment":"neutral","sentiment_score":0.14518874221377903},{"text":"So the good thing with Hub twenty four is you have hundreds and hundreds of different investment options to choose from, and we've done a lot of research on it.","start_word":4147,"end_word":4176,"sentiment":"positive","sentiment_score":0.4311515688896179},{"text":"And not always when any investment is down do you wanna sell if you should see it coming back around. But with the investment, because they have been a little bit slower in making their investment choices lately, the investment committee has done a lot of research on a another suitable option to look at, just swapping that one for you. Now the one that we have looked at is your BetaShares Australia 200. Have you ever heard of that? No. I haven't heard of them. No. No. So, basically, because if we are looking at removing one Australian investment from your portfolio, we still wanna make sure that you do have some exposure to the Australian market. We don't want everything in The US or everything in emerging markets or, like, we wanna make sure we keep everything very well diversified for you. So we were looking at another Australian option to swap that one for you. And keeping all Okay. the diversification and the investments will look to fit the same. Now with the a 200, so the beta shares a 200, the way that that one works is, it just invests in the 200 largest companies listed in Australia. So it's a bit more simplified in that. It just tracks the 200 largest companies. So as a company grows and gets bigger, it gets added to your portfolio. And, obviously, as something gets smaller, it kind of gets out of those eight two hundred. So you don't have that same kind of active buying and selling different investments.","start_word":4177,"end_word":4437,"sentiment":"neutral","sentiment_score":0.05772591754794121},{"text":"But with the eight two hundred, it has performed a lot better than your Venalone investment recently.","start_word":4438,"end_word":4454,"sentiment":"positive","sentiment_score":0.3811637759208679},{"text":"Because you don't have that same kind of active buying and selling, it's also a bit cheaper.","start_word":4455,"end_word":4471,"sentiment":"neutral","sentiment_score":0.20442387461662292},{"text":"So we have looked at swapping that one for you if that is something that you are happy with.","start_word":4472,"end_word":4490,"sentiment":"positive","sentiment_score":0.3718981742858886},{"text":"Yeah. Yeah. No. No. That's fine. That makes Yeah. sense? I trust your your judgment as, like, you you do the research sort of thing. Yep. So, yeah, Yep.","start_word":4491,"end_word":4519,"sentiment":"neutral","sentiment_score":0.18916380405426023},{"text":"I'm happy for you to to swap them To out do that one?","start_word":4520,"end_word":4532,"sentiment":"positive","sentiment_score":0.44430166482925415},{"text":"if you if you need. Yeah. Yep. If Okay.","start_word":4533,"end_word":4541,"sentiment":"neutral","sentiment_score":0.14709243178367615},{"text":"you feel Beautiful. feel yep. Yeah. It's So beneficial. what yes.","start_word":4542,"end_word":4552,"sentiment":"positive","sentiment_score":0.4947013854980469},{"text":"Yes. Sorry. What we what we will do is just so you have a record of the change as well, is that I will get a record of advice drawn up for you. You don't need to sign it or anything like that, but it is just for your record to say that we have switched Ben along to 8200 for you. Yeah. Yep. Yep.","start_word":4553,"end_word":4617,"sentiment":"neutral","sentiment_score":0.1856003105640411},{"text":"Cool.","start_word":4618,"end_word":4618,"sentiment":"positive","sentiment_score":0.3906024694442749},{"text":"So you will see that in your in inbox. It might be kind of mid next week, but just keep a lookout for that, and that will come through shortly. Now, Daniel, did you get the email at all by any chance? Yeah. Did that come No. I just checked. I got an email through? or a reply from Madison that's just come through, but, yeah, there's there's no nothing else has come through. Is it skyclimbtrees@gmail.com? Is that where it's trying to get sent to, is it? Skyclimbtrees@gmail.com? Yeah. Yeah. Is that Yeah. the email address you're sending it to? Yes. I Yeah. just And tried and to check. it's it's spelled skyclimbtrees@gmail.com. Yes. Yep. Yes. That's the one Okay. I have. Okay. I'll check with IT if there's a bit of an issue. Sometimes at the end of the day, it tend to be a little bit slower, but I will follow-up when we get off the phone as well. And if you haven't received anything, I'll follow-up with IP, and then I might get if I can't see the documents come back to me after, I might get someone to just kind of give you a quick call tomorrow potentially just to see if you got them, if you kind of got through. Mhmm. Because, yeah, normally, it should be there by now, but sometimes in technology, it's great when it work. But sometimes it's a little bit, yeah, fiddly at times. So Yeah. yeah. It says here it's been sent on my end, and, yes, it's the same address. So I'll keep a look at it, and I'll chat with IT as well when we get off the phone just to triple check. And I'll look at it tomorrow as well just to see if that came through for you.","start_word":4619,"end_word":4922,"sentiment":"neutral","sentiment_score":0.04844849902254186},{"text":"Cool.","start_word":4923,"end_word":4923,"sentiment":"positive","sentiment_score":0.4531002342700958},{"text":"If you do have a look at it, though, and you have any questions with anything, just let me know. The other thing I do wanna check on as well is that, obviously, you don't have any insurances at the moment. Are you still happy with no insurances? Yeah. That's fine. Yep. Yep.","start_word":4924,"end_word":4976,"sentiment":"neutral","sentiment_score":0.061244942247867584},{"text":"Perfect.","start_word":4977,"end_word":4977,"sentiment":"positive","sentiment_score":0.5326417088508606},{"text":"Now what you will also see when the document does finally come through is just an updated Vanguard index chart for you. It's just you probably have seen something like that before, but it is just a good visual representation of what we are talking about when we speak about the market. You can see there kind of dates back to 1995 through to 2025, and it just gives you a bit of an overview of the different market fluctuations, and it breaks down the different asset classes as well if it is something you wanna have a look at. Yep. Okay. And then the last thing is you will also have a financial services guide. It's just one of those compliance forms, but it does give you all the important information in regards to us here at OTU. None of the important information has changed, but we have done just a bit of an update to our marketing and also had a bit of an extension to the team. So if you do wanna have a read over that, that's all included in the document for you. And if you do wanna put a face to the voice as well, I am also there on page 10. Okay.","start_word":4978,"end_word":5186,"sentiment":"neutral","sentiment_score":0.22587662607288816},{"text":"Cool. Cool. Now the last thing it will ask you to do, if you're happy to do so when the document does come through, is that it will just ask you to sign the ongoing service agreement. That is just to say that you are happy to stay on as a client.","start_word":5187,"end_word":5238,"sentiment":"positive","sentiment_score":0.46326425671577454},{"text":"There's no changes whatsoever in regards to the fee structure.","start_word":5239,"end_word":5248,"sentiment":"neutral","sentiment_score":0.16775980591773987},{"text":"It stays exactly the same at 1.65 from superannuation.","start_word":5249,"end_word":5257,"sentiment":"positive","sentiment_score":0.3923885524272918},{"text":"No changes in regards to that, and there is no lock in contract. So if at any point in time, if you are not happy, it is not a lock in contract.","start_word":5258,"end_word":5289,"sentiment":"neutral","sentiment_score":0.09060915559530258},{"text":"Otherwise, by signing this, it just allows us to manage your investments and your accounts and everything for you in the meantime.","start_word":5290,"end_word":5311,"sentiment":"positive","sentiment_score":0.40725448727607727},{"text":"Does that make sense? Yeah. Yep. Yep.","start_word":5312,"end_word":5318,"sentiment":"neutral","sentiment_score":0.22432389855384827},{"text":"Perfect.","start_word":5319,"end_word":5319,"sentiment":"positive","sentiment_score":0.5892306566238403},{"text":"Now I have also just included that change of detail form for you to get that updated. But when I get off the phone, I'll also just check with Maddie if she received that back, and we can get that sorted, update the address, the email address, and your phone number, and then also get that. So you can get access to your account by logging in yourself as well.","start_word":5320,"end_word":5389,"sentiment":"neutral","sentiment_score":0.23616458475589752},{"text":"Yeah. That'd be great. Yeah. Perfect. Now I will also get the team to email you those beneficiary forms for Super to get that one sorted.","start_word":5390,"end_word":5415,"sentiment":"positive","sentiment_score":0.437612920999527},{"text":"If you do have any questions in regards to completed it or you don't remember anything, just give me a call, and we can always go through it again. And then the last thing is that I will send you that record of advice just to show you that one investment switch for you as well. Yep. Okay. Yep.","start_word":5416,"end_word":5474,"sentiment":"neutral","sentiment_score":0.2769598662853241},{"text":"Perfect.","start_word":5475,"end_word":5475,"sentiment":"positive","sentiment_score":0.5169622898101807},{"text":"Now do you have any questions for me otherwise at this point, Daniel? I just popped in my head. I was just thinking, like, later on, by the time I retire or whatever, and I put down $2,000 a week, I was thinking by Mhmm. the time that time comes around, like, it'd probably be better for $3,000 a week in Yep. the future Okay. with inflation. Yeah. So I can just update that for you just to say that the goal is about 3,000 a week. yeah. Yep. Yeah. Well, in Okay. in that manner in that manner. Yeah. That many years. Yeah. Yeah. Yeah. It's got a bit of time to retire, and and you can always change it, you know, obviously, as things go. Because then also for a lot of people, the goal by the time you return, fix, and retire is to hopefully have the mortgage paid off. So then you Yeah. won't have, obviously, the mortgage expenses, and you'll be mainly, you know, living expenses, you're gonna do some traveling, and and stuff like that. So you might find that you need a little bit less than, obviously, what you have right now with the mortgage and everything. It just depends on, you know, how extravagant you want your retirement and everything to be. So I will just update that to 3,000 for now for you. Yeah. Yeah. Make it make it 4,000. Yeah. Make it 4,000 a week? Yeah. Yeah. Let's Yep. just yeah. Sit it out there Yeah. for now. Why not? Yeah. It's a goal to achieve towards. Sorry. No. That's That's it. all good. Yeah. Now, Daniel, do you have any other questions for me before I let you go and enjoy the rest of your afternoon otherwise? No. That's all. Yeah. That's No? all Okay.","start_word":5476,"end_word":5781,"sentiment":"neutral","sentiment_score":0.05868618913433131},{"text":"good. Beautiful.","start_word":5782,"end_word":5783,"sentiment":"positive","sentiment_score":0.43208199739456177},{"text":"Just keep a lookout for those document. I will check with IT if there's any issues with that. So just keep a little lookout for your emails.","start_word":5784,"end_word":5810,"sentiment":"neutral","sentiment_score":0.2513169050216675},{"text":"If you do see it come through, have a bit of a review of them, if it all makes sense, and you're happy to add the signature.","start_word":5811,"end_word":5837,"sentiment":"positive","sentiment_score":0.37449878454208374},{"text":"You can just do it all digitally, and it will then send it back to me. And that also tells me that you have received the documents. Any questions, sorry, just give me a call. Yeah.","start_word":5838,"end_word":5873,"sentiment":"neutral","sentiment_score":0.16921618580818176},{"text":"Cool.","start_word":5874,"end_word":5874,"sentiment":"positive","sentiment_score":0.3851209282875061},{"text":"And all your Yeah. details will be at the bottom of the email or whatnot? Yeah. Sorry. That one is a digital digital one. So you can just click on the link or it says sign now. It will just ask you to add your email and your signature, And then my colleague, Whitlam, will send you, like, a separate email with the beneficiary forms. But then you will receive the the ROI directly from me, and that has all my contact details and everything on it as well.","start_word":5875,"end_word":5963,"sentiment":"neutral","sentiment_score":0.1600794941186905},{"text":"Cool. Yeah. Awesome. Yeah. Beautiful. So, yeah, if there's anything you need, you can just respond to that email or just give the office a call, and we can always book you in for a bit of a catch up. Yeah. Cool. Yeah. Beautiful. Well, thank you so much for your time today, Daniel. It was lovely speaking with you, and anything you need, just let me know. Thanks very much. It's Been a pleasure. No worries.","start_word":5964,"end_word":6040,"sentiment":"positive","sentiment_score":0.6171042919158936},{"text":"Yeah. Likewise. We'll speak soon. Okey doke. Okay. Bye. See you.","start_word":6041,"end_word":6051,"sentiment":"neutral","sentiment_score":0.19697050750255585}],"average":{"sentiment":"neutral","sentiment_score":0.10233887588469652}}}}