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No worries. Sure. If not, you can always call me back. Yeah. Can you hear me? Yeah. Now, Nathan, 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 for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Mhmm. Yes, please. Yep. Beautiful. And how's your morning been so far? I've been busy or just getting started? No. Full on. I can imagine. Now, Nathan, I have you booked in. We were actually in the process of trying to book in for your interview as well, which is coming up. But I also noticed that you obviously spoke to my colleague, Jack, a few days ago and had some concerns in regards to fees or not working for a little while. Is that correct? Mhmm. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Have a good chat. Yeah. Yeah. And and that totally makes sense. And there are a couple of, obviously, factors to consider. I would say if anything, you not working or not obviously, you're working, but different. Not getting contributions. You're not getting contributions in through superannuation for twelve to twenty four months. If anything strengthens the need for making sure everything is set up the right way for you. Because like you said, obviously, you wanna make sure your Cucuba continues to grow. But to do that as well, you want to have that kind of active management to your investment becomes it comes even more important to manage everything in the right way, especially with all the market conditions and everything like you like you touched on as well. So, obviously, the last twelve months have been a bit of turbulent, obviously, with the market as well. Obviously, you had everything in The US and Trump and tariffs and, obviously, the war and everything. So kind of the need for the active component becomes even more important with contributions not going in because that could also obviously change the trajectory of how everything was planned for you. So, obviously, the the choice is ultimately completely up to you. But what I would suggest would be the the best way would be for me to do, obviously, if you are happy with that, would be for me to kind of do a full reassessment of everything for you. So kind of go through the annual review, go through your investments, your risk profile, and specifically look at those investments because, yes, obviously, super is long term. So you will have some short term fluctuation. For the time being, you cannot until you meet a condition of release, which often is, like, 60 and not working. So you obviously still have plenty of time, so the need for your money kind of growing and compounding is still there. Now, obviously, you will have, like, you've touched on fees coming out, but it is important to manage that it continues to be invested the right way to negate fees as well. So, obviously, even though you don't have contributions going in, your money is invested correctly And, obviously, depending on market conditions and diversified in the right way will continue to go up because it's invested as long as, obviously, the investment is correct, managing your risk and everything like that. It's like that's the the important part, especially when you don't have contributions going in. Does that make sense, Nathan? Yes. Correct. Yes. Mhmm. Yeah. Mhmm. Yeah. Yeah. Yes. Has been has been a little bit going on in the market, hasn't it? Of course. Yeah. Yep. Yep. So, again, choice is completely up to you. If if you would be happy to sorry. With, obviously, our advice fees and as well, I understand, obviously, that is that will continue to come out of your account even if you're not contributing. But then the strategy and the advice will become very important to make sure everything is set up correctly to negate that, which we always wanna focus on. Yes. So for the time being, right now, your fee has just turned off. So it turned off on the July 5. What that means, though, because the fee is not currently on, is that we can't obviously do the management of your investments. If you look to wanna make changes, make sure everything is set up for you. So to make sure, obviously, especially in your situation right now, it is obviously very important because you haven't really had a new kind of research with in-depth with investments. That is something I would like to do for you, especially given your situation of, obviously, you having a bit of fluctuations. Also assessing whether that high risk is still suitable or whether you want to potentially look at reducing the risk a little bit. Still, obviously, by doing it, though, long term, you may have less growth, but you can have a little bit less fluctuations at least in the interim while you are not getting those contributions. So it would kind of be a full reassessment. I would do advice and put together a strategy that based on your current situation is going to be the best for you and then kind of see what you think about it. What's also important is because you have MRSA, the former BT super for your insurances, with that, if you do not have contributions going in through the funds for about sixteen months and you have not completed an opt in form, they call it, to keep the insurances, they can be you did. Okay. Amazing. Because otherwise, there could be a risk of those lapsing, which we do not want. But okay. Beautiful. Yep. Yeah. No. That's really good. Okay. That's good. Because that would be my big concern is if depending on how much money you have in there and then also that opt in if you don't have contribution. So that at least is good that those would kind of stay. Mhmm. Yep. Yes. Sorry. The review itself obviously doesn't cost anything, but it would be obviously, in order for me to do it's not really the review. It's more for doing all the advice and everything after that and review for you and making sure we have, you know, strategies and stuff that puts you in the best position. We would obviously need the the fees turned back on. Now how the fees work is it is a ongoing service agreement. The fee percentage stays the same. So it's not increasing, obviously, or despite all the increase in inflation, everything like that, it is not changing. So it's staying exactly the same at 1.65. Now the one thing I do wanna stress to you is that it is not a one year fee. Right? So it is deducted on a monthly basis for you. So even if you were to say, okay. Let's do a full reassessment. Let's do advice just to see where everything's at. You can still, at the end of it, decide, do you know what? No. I'll just leave it the way things are, and I'm not interested anymore, and we could then just remove the fee. It's not like you're locking in through a twelve month period. It is deducted from your account on a monthly basis. So even if you go, okay. I'll let's say we'll do some advice, some different strategies, making sure things are correctly positioned, especially with today's market condition and everything like that for you. And let's say you you go, okay. Let's give it a couple of months and see how things go. And let's say, you know, after two months, you go, you know what? I changed my mind. I just don't want it anymore. You can just call us and say, hey. I do no longer wish to stay on. So it's not like you are committing to a twelve month period. Every twelve months, you have to sign because otherwise, you can't keep charging you. So you have to do a bid, doesn't mean you are locked into a twelve month period. Does that make sense? Yeah. Yeah. More clarity. I think so, sir. And especially with everything that we have, we wanna make sure, especially with the investments. Like you said, obviously, things have come back to even between, like, the last twelve months and three months. We have seen a bit of a you know, things coming back, which is good. But I want to kind of go into those investments in a little bit more in-depth just to see if there is because there is one that is slightly underperforming at the moment and that I would like to look at changing for you. But what I what yeah. So what I will do is yeah. And like I said, you can cancel whenever you want to. So even if, let's say, I put together all of this advice for you, which only takes about a week or so for me to do, then at least you have a lot more on this, and then you can go following that. I know that there's additional fees for me to do that. That's just part of that ongoing advice that stays exactly the same. Yeah. Correct. So it's not like additional fees. And after that conversation, if you go, nope. Don't want it. That's fine. And then we can kind of take it from there. Does that sound okay, Nathan? Yes. Yeah. Yes. Yes. Okay. Perfect. So what I will do just so that I can obviously tailor everything for you is I will just go through just a bit of an updated fact line with you just so I have all the correct and up to date information that I can then base it on. So kind of bear with me here. Now, obviously, things may have changed a little bit from when you did your last interview. So I will just go through what I have here and see what's changed. So, obviously, personal information, still married with three financial dependents? Three financial dependents? Yes. Yep. Yep. Yep. Perfect. Now next up, Ken. So in the event that something happens to you and we can't get in touch with yourself, I have Jessica nominated. Is that still the case? Yep. Yep. Perfect. And her phone number hasn't changed in the last twelve months. It still ends in at 203? Yep. Okay. Perfect. Now, obviously, I have here that you were early education teacher, but right now, stay at home dad, which is beautiful. When did you last stop working? Did you say? Was that March? Okay. Yep. Perfect. Okay. Now and financially, are you guys obviously managing everything okay without your income and stuff? Yep. Oh, great. Mhmm. Yes. Yes. Yep. Yep. Okay. Perfect. That's good. 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morning, Nathan. This is Veronica from ITU Financial. How are you? I'm good. Thanks.\n\nI had you booked in for a little bit of a catch up. Is now still a good time for you? Yeah. Sure. No worries.\n\nSure. If not, you can always call me back. Yeah. Can you hear me? Yeah.\n\nNow, Nathan, 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 for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Mhmm.\n\nYes, please. Yep. Beautiful. And how's your morning been so far? I've been busy or just getting started?\n\nNo. Full on. I can imagine. Now, Nathan, I have you booked in. We were actually in the process of trying to book in for your interview as well, which is coming up.\n\nBut I also noticed that you obviously spoke to my colleague, Jack, a few days ago and had some concerns in regards to fees or not working for a little while. Is that correct? Mhmm. Mhmm. Mhmm.\n\nMhmm. Yep. Mhmm. Mhmm. Yep.\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nMhmm. Yep. Have a good chat. Yeah. Yeah.\n\nAnd and that totally makes sense. And there are a couple of, obviously, factors to consider. I would say if anything, you not working or not obviously, you're working, but different. Not getting contributions. You're not getting contributions in through superannuation for twelve to twenty four months.\n\nIf anything strengthens the need for making sure everything is set up the right way for you. Because like you said, obviously, you wanna make sure your Cucuba continues to grow. But to do that as well, you want to have that kind of active management to your investment becomes it comes even more important to manage everything in the right way, especially with all the market conditions and everything like you like you touched on as well. So, obviously, the last twelve months have been a bit of turbulent, obviously, with the market as well. Obviously, you had everything in The US and Trump and tariffs and, obviously, the war and everything.\n\nSo kind of the need for the active component becomes even more important with contributions not going in because that could also obviously change the trajectory of how everything was planned for you. So, obviously, the the choice is ultimately completely up to you. But what I would suggest would be the the best way would be for me to do, obviously, if you are happy with that, would be for me to kind of do a full reassessment of everything for you. So kind of go through the annual review, go through your investments, your risk profile, and specifically look at those investments because, yes, obviously, super is long term. So you will have some short term fluctuation.\n\nFor the time being, you cannot until you meet a condition of release, which often is, like, 60 and not working. So you obviously still have plenty of time, so the need for your money kind of growing and compounding is still there. Now, obviously, you will have, like, you've touched on fees coming out, but it is important to manage that it continues to be invested the right way to negate fees as well. So, obviously, even though you don't have contributions going in, your money is invested correctly And, obviously, depending on market conditions and diversified in the right way will continue to go up because it's invested as long as, obviously, the investment is correct, managing your risk and everything like that. It's like that's the the important part, especially when you don't have contributions going in.\n\nDoes that make sense, Nathan? Yes. Correct. Yes. Mhmm.\n\nYeah. Mhmm. Yeah. Yeah. Yes.\n\nHas been has been a little bit going on in the market, hasn't it? Of course. Yeah. Yep. Yep.\n\nSo, again, choice is completely up to you. If if you would be happy to sorry. With, obviously, our advice fees and as well, I understand, obviously, that is that will continue to come out of your account even if you're not contributing. But then the strategy and the advice will become very important to make sure everything is set up correctly to negate that, which we always wanna focus on. Yes.\n\nSo for the time being, right now, your fee has just turned off. So it turned off on the July 5. What that means, though, because the fee is not currently on, is that we can't obviously do the management of your investments. If you look to wanna make changes, make sure everything is set up for you. So to make sure, obviously, especially in your situation right now, it is obviously very important because you haven't really had a new kind of research with in-depth with investments.\n\nThat is something I would like to do for you, especially given your situation of, obviously, you having a bit of fluctuations. Also assessing whether that high risk is still suitable or whether you want to potentially look at reducing the risk a little bit. Still, obviously, by doing it, though, long term, you may have less growth, but you can have a little bit less fluctuations at least in the interim while you are not getting those contributions. So it would kind of be a full reassessment. I would do advice and put together a strategy that based on your current situation is going to be the best for you and then kind of see what you think about it.\n\nWhat's also important is because you have MRSA, the former BT super for your insurances, with that, if you do not have contributions going in through the funds for about sixteen months and you have not completed an opt in form, they call it, to keep the insurances, they can be you did. Okay. Amazing. Because otherwise, there could be a risk of those lapsing, which we do not want. But okay.\n\nBeautiful. Yep. Yeah. No. That's really good.\n\nOkay. That's good. Because that would be my big concern is if depending on how much money you have in there and then also that opt in if you don't have contribution. So that at least is good that those would kind of stay. Mhmm.\n\nYep. Yes. Sorry. The review itself obviously doesn't cost anything, but it would be obviously, in order for me to do it's not really the review. It's more for doing all the advice and everything after that and review for you and making sure we have, you know, strategies and stuff that puts you in the best position.\n\nWe would obviously need the the fees turned back on. Now how the fees work is it is a ongoing service agreement. The fee percentage stays the same. So it's not increasing, obviously, or despite all the increase in inflation, everything like that, it is not changing. So it's staying exactly the same at 1.65.\n\nNow the one thing I do wanna stress to you is that it is not a one year fee. Right? So it is deducted on a monthly basis for you. So even if you were to say, okay. Let's do a full reassessment.\n\nLet's do advice just to see where everything's at. You can still, at the end of it, decide, do you know what? No. I'll just leave it the way things are, and I'm not interested anymore, and we could then just remove the fee. It's not like you're locking in through a twelve month period.\n\nIt is deducted from your account on a monthly basis. So even if you go, okay. I'll let's say we'll do some advice, some different strategies, making sure things are correctly positioned, especially with today's market condition and everything like that for you. And let's say you you go, okay. Let's give it a couple of months and see how things go.\n\nAnd let's say, you know, after two months, you go, you know what? I changed my mind. I just don't want it anymore. You can just call us and say, hey. I do no longer wish to stay on.\n\nSo it's not like you are committing to a twelve month period. Every twelve months, you have to sign because otherwise, you can't keep charging you. So you have to do a bid, doesn't mean you are locked into a twelve month period. Does that make sense? Yeah.\n\nYeah. More clarity. I think so, sir. And especially with everything that we have, we wanna make sure, especially with the investments. Like you said, obviously, things have come back to even between, like, the last twelve months and three months.\n\nWe have seen a bit of a you know, things coming back, which is good. But I want to kind of go into those investments in a little bit more in-depth just to see if there is because there is one that is slightly underperforming at the moment and that I would like to look at changing for you. But what I what yeah. So what I will do is yeah. And like I said, you can cancel whenever you want to.\n\nSo even if, let's say, I put together all of this advice for you, which only takes about a week or so for me to do, then at least you have a lot more on this, and then you can go following that. I know that there's additional fees for me to do that. That's just part of that ongoing advice that stays exactly the same. Yeah. Correct.\n\nSo it's not like additional fees. And after that conversation, if you go, nope. Don't want it. That's fine. And then we can kind of take it from there.\n\nDoes that sound okay, Nathan? Yes. Yeah. Yes. Yes.\n\nOkay. Perfect. So what I will do just so that I can obviously tailor everything for you is I will just go through just a bit of an updated fact line with you just so I have all the correct and up to date information that I can then base it on. So kind of bear with me here. Now, obviously, things may have changed a little bit from when you did your last interview.\n\nSo I will just go through what I have here and see what's changed. So, obviously, personal information, still married with three financial dependents? Three financial dependents? Yes. Yep.\n\nYep. Yep. Perfect. Now next up, Ken. So in the event that something happens to you and we can't get in touch with yourself, I have Jessica nominated.\n\nIs that still the case? Yep. Yep. Perfect. And her phone number hasn't changed in the last twelve months.\n\nIt still ends in at 203? Yep. Okay. Perfect. Now, obviously, I have here that you were early education teacher, but right now, stay at home dad, which is beautiful.\n\nWhen did you last stop working? Did you say? Was that March? Okay. Yep.\n\nPerfect. Okay. Now and financially, are you guys obviously managing everything okay without your income and stuff? Yep. Oh, great.\n\nMhmm. Yes. Yes. Yep. Yep.\n\nOkay. Perfect. That's good. Now asset wise, I have here","paragraphs":[{"sentences":[{"text":"Good morning, Nathan.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.3831702172756195},{"text":"This is Veronica from ITU Financial.","start":3.84,"end":5.7,"sentiment":"positive","sentiment_score":0.33640245099862415},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.23130051791667938},{"text":"I'm good.","start":8.16,"end":9.12,"sentiment":"positive","sentiment_score":0.5950022339820862},{"text":"Thanks.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.6164638996124268}],"sentiment":"positive","sentiment_score":0.37788635194301606,"num_words":15,"start":2.8799999,"end":9.62},{"sentences":[{"text":"I had you booked in for a little bit of a catch up.","start":10.559999,"end":13.04,"sentiment":"neutral","sentiment_score":0.2373058142570349},{"text":"Is now still a good time for you?","start":13.04,"end":14.715,"sentiment":"neutral","sentiment_score":0.2336085308343172},{"text":"Yeah.","start":16.475,"end":16.975,"sentiment":"neutral","sentiment_score":-0.036208149045705795},{"text":"Sure.","start":21.915,"end":22.415,"sentiment":"neutral","sentiment_score":-0.03964494168758392},{"text":"No worries.","start":22.555,"end":23.295,"sentiment":"neutral","sentiment_score":-0.102456483989954}],"sentiment":"neutral","sentiment_score":0.18692311093211175,"num_words":25,"start":10.559999,"end":23.295},{"sentences":[{"text":"Sure.","start":24.715,"end":25.215,"sentiment":"neutral","sentiment_score":0.01302686333656311},{"text":"If not, you can always call me back.","start":28.09,"end":30.109999,"sentiment":"neutral","sentiment_score":-0.07137303706258535},{"text":"Yeah.","start":37.129997,"end":37.449997,"sentiment":"neutral","sentiment_score":0.0011050887405872345},{"text":"Can you hear me?","start":37.449997,"end":38.51,"sentiment":"neutral","sentiment_score":-0.0036753880558535457},{"text":"Yeah.","start":39.305,"end":39.805,"sentiment":"neutral","sentiment_score":0.08441831171512604}],"sentiment":"neutral","sentiment_score":-0.03247570566212137,"num_words":15,"start":24.715,"end":39.805},{"sentences":[{"text":"Now, Nathan, 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":41.704998,"end":49.165,"sentiment":"neutral","sentiment_score":0.0227184043876056},{"text":"Yeah.","start":50.425,"end":50.76,"sentiment":"neutral","sentiment_score":0.1501505970954895},{"text":"Perfect.","start":51.0,"end":51.5,"sentiment":"neutral","sentiment_score":0.2311207354068756},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":51.719997,"end":61.659996,"sentiment":"neutral","sentiment_score":0.09147839812618314},{"text":"Mhmm.","start":70.215004,"end":70.295,"sentiment":"neutral","sentiment_score":-0.0011051823385059834}],"sentiment":"neutral","sentiment_score":0.062427492547207156,"num_words":65,"start":41.704998,"end":70.295},{"sentences":[{"text":"Yes, please.","start":70.295,"end":71.115,"sentiment":"neutral","sentiment_score":0.016216516960412264},{"text":"Yep.","start":77.67,"end":78.17,"sentiment":"neutral","sentiment_score":0.07945802807807922},{"text":"Beautiful.","start":78.23,"end":78.73,"sentiment":"neutral","sentiment_score":0.2750830352306366},{"text":"And how's your morning been so far?","start":78.87,"end":80.43,"sentiment":"neutral","sentiment_score":0.09944046288728714},{"text":"I've been busy or just getting started?","start":80.43,"end":82.41,"sentiment":"neutral","sentiment_score":-0.05143980708505426}],"sentiment":"neutral","sentiment_score":0.04016548265806503,"num_words":18,"start":70.295,"end":82.41},{"sentences":[{"text":"No.","start":83.91,"end":84.41,"sentiment":"neutral","sentiment_score":-0.1723916232585907},{"text":"Full on.","start":85.91,"end":86.73,"sentiment":"neutral","sentiment_score":-0.13235628604888916},{"text":"I can imagine.","start":89.225,"end":90.205,"sentiment":"neutral","sentiment_score":-0.06340626378854115},{"text":"Now, Nathan, I have you booked in.","start":91.865,"end":95.065,"sentiment":"neutral","sentiment_score":-0.011292712762951851},{"text":"We were actually in the process of trying to book in for your interview as well, which is coming up.","start":95.065,"end":100.345,"sentiment":"neutral","sentiment_score":-0.005210852716118097}],"sentiment":"neutral","sentiment_score":-0.024563303951061134,"num_words":33,"start":83.91,"end":100.345},{"sentences":[{"text":"But I also noticed that you obviously spoke to my colleague, Jack, a few days ago and had some concerns in regards to fees or not working for a little while.","start":100.345,"end":111.42,"sentiment":"neutral","sentiment_score":-0.1543075405061245},{"text":"Is that correct?","start":111.42,"end":112.32,"sentiment":"neutral","sentiment_score":-0.057453762739896774},{"text":"Mhmm.","start":121.115,"end":121.615,"sentiment":"neutral","sentiment_score":-0.03972070291638374},{"text":"Mhmm.","start":122.395,"end":122.895,"sentiment":"neutral","sentiment_score":-0.019571376964449883},{"text":"Mhmm.","start":136.34,"end":136.84,"sentiment":"neutral","sentiment_score":-0.04034920781850815}],"sentiment":"neutral","sentiment_score":-0.13663611707051057,"num_words":37,"start":100.345,"end":136.84},{"sentences":[{"text":"Mhmm.","start":137.86,"end":138.36,"sentiment":"neutral","sentiment_score":-0.020115330815315247},{"text":"Yep.","start":142.25499,"end":142.75499,"sentiment":"neutral","sentiment_score":-0.05972742289304733},{"text":"Mhmm.","start":147.455,"end":147.955,"sentiment":"neutral","sentiment_score":-0.05277402698993683},{"text":"Mhmm.","start":156.7575,"end":157.2575,"sentiment":"neutral","sentiment_score":-0.06389794498682022},{"text":"Yep.","start":165.005,"end":165.505,"sentiment":"neutral","sentiment_score":-0.04345899447798729}],"sentiment":"neutral","sentiment_score":-0.047994744032621384,"num_words":5,"start":137.86,"end":165.505},{"sentences":[{"text":"Mhmm.","start":185.82,"end":186.32,"sentiment":"neutral","sentiment_score":0.009179942309856417},{"text":"Yep.","start":199.53,"end":200.03,"sentiment":"neutral","sentiment_score":0.013127632439136503},{"text":"Yep.","start":204.89,"end":205.39,"sentiment":"neutral","sentiment_score":0.005286534782499075},{"text":"Yep.","start":205.45,"end":205.95,"sentiment":"neutral","sentiment_score":0.012683882378041744},{"text":"Mhmm.","start":215.065,"end":215.565,"sentiment":"neutral","sentiment_score":0.022741999477148056}],"sentiment":"neutral","sentiment_score":0.012603998277336359,"num_words":5,"start":185.82,"end":215.565},{"sentences":[{"text":"Mhmm.","start":224.6,"end":225.1,"sentiment":"neutral","sentiment_score":0.01261442806571722},{"text":"Yep.","start":232.6,"end":233.0,"sentiment":"neutral","sentiment_score":-0.07661329209804535},{"text":"Have a good chat.","start":233.0,"end":234.06,"sentiment":"neutral","sentiment_score":-0.11655770801007748},{"text":"Yeah.","start":234.84,"end":235.34,"sentiment":"neutral","sentiment_score":-0.07003664970397949},{"text":"Yeah.","start":240.615,"end":241.115,"sentiment":"neutral","sentiment_score":0.1010657399892807}],"sentiment":"neutral","sentiment_score":-0.0624000757234171,"num_words":8,"start":224.6,"end":241.115},{"sentences":[{"text":"And and that totally makes sense.","start":241.575,"end":243.335,"sentiment":"neutral","sentiment_score":0.22016656398773193},{"text":"And there are a couple of, obviously, factors to consider.","start":243.335,"end":246.63501,"sentiment":"neutral","sentiment_score":0.013547000754624606},{"text":"I would say if anything, you not working or not obviously, you're working, but different.","start":247.655,"end":253.7,"sentiment":"neutral","sentiment_score":-0.2447862868507703},{"text":"Not getting contributions.","start":253.92,"end":254.98,"sentiment":"neutral","sentiment_score":-0.13663215190172195},{"text":"You're not getting contributions in through superannuation for twelve to twenty four months.","start":256.08002,"end":262.42,"sentiment":"neutral","sentiment_score":-0.27176811603399426}],"sentiment":"neutral","sentiment_score":-0.13102567820076613,"num_words":47,"start":241.575,"end":262.42},{"sentences":[{"text":"If anything strengthens the need for making sure everything is set up the right way for you.","start":262.935,"end":268.715,"sentiment":"neutral","sentiment_score":0.014866967411602245},{"text":"Because like you said, obviously, you wanna make sure your Cucuba continues to grow.","start":269.415,"end":273.435,"sentiment":"neutral","sentiment_score":0.28225032719118254},{"text":"But to do that as well, you want to have that kind of active management to your investment becomes it comes even more important to manage everything in the right way, especially with all the market conditions and everything like you like you touched on as well.","start":274.295,"end":289.02,"sentiment":"neutral","sentiment_score":0.26618170516288026},{"text":"So, obviously, the last twelve months have been a bit of turbulent, obviously, with the market as well.","start":289.02,"end":292.995,"sentiment":"neutral","sentiment_score":-0.22583703282806608},{"text":"Obviously, you had everything in The US and Trump and tariffs and, obviously, the war and everything.","start":292.995,"end":297.315,"sentiment":"neutral","sentiment_score":-0.26448313278310437}],"sentiment":"neutral","sentiment_score":0.0721548966470018,"num_words":113,"start":262.935,"end":297.315},{"sentences":[{"text":"So kind of the need for the active component becomes even more important with contributions not going in because that could also obviously change the trajectory of how everything was planned for you.","start":297.315,"end":310.44,"sentiment":"neutral","sentiment_score":-0.11313615062020042},{"text":"So, obviously, the the choice is ultimately completely up to you.","start":310.66,"end":315.13998,"sentiment":"neutral","sentiment_score":0.14475643092935736},{"text":"But what I would suggest would be the the best way would be for me to do, obviously, if you are happy with that, would be for me to kind of do a full reassessment of everything for you.","start":315.13998,"end":327.16498,"sentiment":"neutral","sentiment_score":0.20214017996421227},{"text":"So kind of go through the annual review, go through your investments, your risk profile, and specifically look at those investments because, yes, obviously, super is long term.","start":327.705,"end":338.38,"sentiment":"neutral","sentiment_score":0.03494911813842399},{"text":"So you will have some short term fluctuation.","start":338.84,"end":341.18,"sentiment":"neutral","sentiment_score":-0.09971749596297741}],"sentiment":"neutral","sentiment_score":0.049774202760778555,"num_words":119,"start":297.315,"end":341.18},{"sentences":[{"text":"For the time being, you cannot until you meet a condition of release, which often is, like, 60 and not working.","start":341.64,"end":348.725,"sentiment":"neutral","sentiment_score":-0.1513769669192178},{"text":"So you obviously still have plenty of time, so the need for your money kind of growing and compounding is still there.","start":348.945,"end":355.585,"sentiment":"neutral","sentiment_score":-0.07707841287959706},{"text":"Now, obviously, you will have, like, you've touched on fees coming out, but it is important to manage that it continues to be invested the right way to negate fees as well.","start":355.585,"end":366.12003,"sentiment":"neutral","sentiment_score":0.12546009628567845},{"text":"So, obviously, even though you don't have contributions going in, your money is invested correctly And, obviously, depending on market conditions and diversified in the right way will continue to go up because it's invested as long as, obviously, the investment is correct, managing your risk and everything like that.","start":366.18002,"end":386.915,"sentiment":"neutral","sentiment_score":0.22263095104135572},{"text":"It's like that's the the important part, especially when you don't have contributions going in.","start":387.31998,"end":392.19998,"sentiment":"neutral","sentiment_score":0.11961086938778559}],"sentiment":"neutral","sentiment_score":0.08618423060979694,"num_words":140,"start":341.64,"end":392.19998},{"sentences":[{"text":"Does that make sense, Nathan?","start":392.19998,"end":393.41998,"sentiment":"neutral","sentiment_score":0.10815533697605133},{"text":"Yes.","start":397.08,"end":397.58,"sentiment":"neutral","sentiment_score":0.11088824272155762},{"text":"Correct.","start":403.145,"end":403.645,"sentiment":"neutral","sentiment_score":0.11006457358598708},{"text":"Yes.","start":403.78497,"end":404.28497,"sentiment":"neutral","sentiment_score":0.07658796012401581},{"text":"Mhmm.","start":411.625,"end":412.125,"sentiment":"neutral","sentiment_score":-0.22587725520133972}],"sentiment":"neutral","sentiment_score":0.06804891179005305,"num_words":9,"start":392.19998,"end":412.125},{"sentences":[{"text":"Yeah.","start":415.86002,"end":416.36002,"sentiment":"neutral","sentiment_score":-0.05263814702630043},{"text":"Mhmm.","start":420.34,"end":420.84,"sentiment":"neutral","sentiment_score":-0.01758248545229435},{"text":"Yeah.","start":422.5,"end":423.0,"sentiment":"neutral","sentiment_score":-0.0903831422328949},{"text":"Yeah.","start":433.07498,"end":433.57498,"sentiment":"neutral","sentiment_score":-0.04374520480632782},{"text":"Yes.","start":435.395,"end":435.895,"sentiment":"neutral","sentiment_score":0.002856701612472534}],"sentiment":"neutral","sentiment_score":-0.040298455581068995,"num_words":5,"start":415.86002,"end":435.895},{"sentences":[{"text":"Has been has been a little bit going on in the market, hasn't it?","start":436.035,"end":439.47,"sentiment":"neutral","sentiment_score":-0.07418420298823289},{"text":"Of course.","start":441.39,"end":443.41,"sentiment":"neutral","sentiment_score":-0.1031995415687561},{"text":"Yeah.","start":445.39,"end":445.89,"sentiment":"neutral","sentiment_score":0.05549412965774536},{"text":"Yep.","start":446.91,"end":447.41,"sentiment":"neutral","sentiment_score":0.009408473037183285},{"text":"Yep.","start":448.83,"end":449.33,"sentiment":"neutral","sentiment_score":0.09857796877622604}],"sentiment":"neutral","sentiment_score":-0.05692091334219042,"num_words":19,"start":436.035,"end":449.33},{"sentences":[{"text":"So, again, choice is completely up to you.","start":450.67,"end":453.965,"sentiment":"neutral","sentiment_score":0.1579274693503976},{"text":"If if you would be happy to sorry.","start":453.965,"end":457.32498,"sentiment":"neutral","sentiment_score":-0.0823739692568779},{"text":"With, obviously, our advice fees and as well, I understand, obviously, that is that will continue to come out of your account even if you're not contributing.","start":457.32498,"end":464.22498,"sentiment":"neutral","sentiment_score":0.014219798147678375},{"text":"But then the strategy and the advice will become very important to make sure everything is set up correctly to negate that, which we always wanna focus on.","start":464.62997,"end":475.61,"sentiment":"neutral","sentiment_score":0.0386463122974549},{"text":"Yes.","start":479.685,"end":480.185,"sentiment":"neutral","sentiment_score":0.08868768811225891}],"sentiment":"neutral","sentiment_score":0.029988152544117637,"num_words":72,"start":450.67,"end":480.185},{"sentences":[{"text":"So for the time being, right now, your fee has just turned off.","start":485.045,"end":490.425,"sentiment":"neutral","sentiment_score":-0.1375467164012102},{"text":"So it turned off on the July 5.","start":491.0,"end":493.89996,"sentiment":"neutral","sentiment_score":-0.05399404792115092},{"text":"What that means, though, because the fee is not currently on, is that we can't obviously do the management of your investments.","start":494.44,"end":502.3,"sentiment":"neutral","sentiment_score":-0.13566930490461263},{"text":"If you look to wanna make changes, make sure everything is set up for you.","start":502.36002,"end":506.635,"sentiment":"neutral","sentiment_score":0.0015996687114238739},{"text":"So to make sure, obviously, especially in your situation right now, it is obviously very important because you haven't really had a new kind of research with in-depth with investments.","start":506.935,"end":518.96,"sentiment":"neutral","sentiment_score":0.11829916549225648}],"sentiment":"neutral","sentiment_score":-0.018543345557356424,"num_words":88,"start":485.045,"end":518.96},{"sentences":[{"text":"That is something I would like to do for you, especially given your situation of, obviously, you having a bit of fluctuations.","start":519.42,"end":526.56,"sentiment":"neutral","sentiment_score":0.09505712393332612},{"text":"Also assessing whether that high risk is still suitable or whether you want to potentially look at reducing the risk a little bit.","start":526.62,"end":533.415,"sentiment":"neutral","sentiment_score":-0.1256393054905145},{"text":"Still, obviously, by doing it, though, long term, you may have less growth, but you can have a little bit less fluctuations at least in the interim while you are not getting those contributions.","start":533.815,"end":544.875,"sentiment":"neutral","sentiment_score":-0.08319337326375877},{"text":"So it would kind of be a full reassessment.","start":545.095,"end":546.875,"sentiment":"neutral","sentiment_score":0.009167463880860142},{"text":"I would do advice and put together a strategy that based on your current situation is going to be the best for you and then kind of see what you think about it.","start":547.175,"end":559.08,"sentiment":"neutral","sentiment_score":0.174941632557999}],"sentiment":"neutral","sentiment_score":0.01841784345971282,"num_words":121,"start":519.42,"end":559.08},{"sentences":[{"text":"What's also important is because you have MRSA, the former BT super for your insurances, with that, if you do not have contributions going in through the funds for about sixteen months and you have not completed an opt in form, they call it, to keep the insurances, they can be you did.","start":559.30005,"end":583.53,"sentiment":"neutral","sentiment_score":-0.0007498178912221261},{"text":"Okay.","start":583.53,"end":584.01,"sentiment":"neutral","sentiment_score":0.04923491925001144},{"text":"Amazing.","start":584.01,"end":584.49,"sentiment":"neutral","sentiment_score":0.19573965668678284},{"text":"Because otherwise, there could be a risk of those lapsing, which we do not want.","start":584.49,"end":588.19,"sentiment":"neutral","sentiment_score":-0.23134462783734003},{"text":"But okay.","start":588.89,"end":593.29504,"sentiment":"neutral","sentiment_score":-0.045953912660479546}],"sentiment":"neutral","sentiment_score":-0.046622819655264415,"num_words":72,"start":559.30005,"end":593.29504},{"sentences":[{"text":"Beautiful.","start":596.075,"end":596.575,"sentiment":"positive","sentiment_score":0.4213540554046631},{"text":"Yep.","start":596.955,"end":597.455,"sentiment":"neutral","sentiment_score":0.04685794189572334},{"text":"Yeah.","start":606.57,"end":606.97,"sentiment":"neutral","sentiment_score":0.2500413656234741},{"text":"No.","start":606.97,"end":607.21,"sentiment":"neutral","sentiment_score":0.29240378737449646},{"text":"That's really good.","start":607.21,"end":607.77,"sentiment":"positive","sentiment_score":0.5198210676511129}],"sentiment":"positive","sentiment_score":0.36716005046452793,"num_words":7,"start":596.075,"end":607.77},{"sentences":[{"text":"Okay.","start":607.77,"end":608.01,"sentiment":"positive","sentiment_score":0.4995255470275879},{"text":"That's good.","start":608.01,"end":608.41,"sentiment":"positive","sentiment_score":0.6075429618358612},{"text":"Because that would be my big concern is if depending on how much money you have in there and then also that opt in if you don't have contribution.","start":608.41,"end":616.09,"sentiment":"neutral","sentiment_score":0.07320965209911609},{"text":"So that at least is good that those would kind of stay.","start":616.09,"end":621.125,"sentiment":"neutral","sentiment_score":0.19681662476311126},{"text":"Mhmm.","start":621.345,"end":621.845,"sentiment":"neutral","sentiment_score":0.014280494302511215}],"sentiment":"neutral","sentiment_score":0.13808380828963385,"num_words":45,"start":607.77,"end":621.845},{"sentences":[{"text":"Yep.","start":622.065,"end":622.565,"sentiment":"neutral","sentiment_score":0.014917930588126184},{"text":"Yes.","start":624.38495,"end":624.88495,"sentiment":"neutral","sentiment_score":0.008940787985920906},{"text":"Sorry.","start":626.70496,"end":627.20496,"sentiment":"neutral","sentiment_score":-0.0918123573064804},{"text":"The review itself obviously doesn't cost anything, but it would be obviously, in order for me to do it's not really the review.","start":627.26495,"end":636.98,"sentiment":"neutral","sentiment_score":-0.11319255521116049},{"text":"It's more for doing all the advice and everything after that and review for you and making sure we have, you know, strategies and stuff that puts you in the best position.","start":636.98,"end":644.44,"sentiment":"neutral","sentiment_score":0.2407632761169225}],"sentiment":"neutral","sentiment_score":0.08677659357159302,"num_words":58,"start":622.065,"end":644.44},{"sentences":[{"text":"We would obviously need the the fees turned back on.","start":644.865,"end":648.165,"sentiment":"neutral","sentiment_score":-0.009720339067280292},{"text":"Now how the fees work is it is a ongoing service agreement.","start":648.385,"end":654.885,"sentiment":"neutral","sentiment_score":0.05916718207299709},{"text":"The fee percentage stays the same.","start":655.105,"end":656.945,"sentiment":"neutral","sentiment_score":0.10471386400361855},{"text":"So it's not increasing, obviously, or despite all the increase in inflation, everything like that, it is not changing.","start":656.945,"end":662.13,"sentiment":"neutral","sentiment_score":0.02128014203749205},{"text":"So it's staying exactly the same at 1.65.","start":662.13,"end":665.19,"sentiment":"neutral","sentiment_score":0.11648431420326233}],"sentiment":"neutral","sentiment_score":0.04685969437387857,"num_words":55,"start":644.865,"end":665.19},{"sentences":[{"text":"Now the one thing I do wanna stress to you is that it is not a one year fee.","start":665.25,"end":670.79,"sentiment":"neutral","sentiment_score":0.015099394184194113},{"text":"Right?","start":670.93,"end":671.43,"sentiment":"neutral","sentiment_score":0.019111568108201027},{"text":"So it is deducted on a monthly basis for you.","start":671.985,"end":675.745,"sentiment":"neutral","sentiment_score":0.07446217946708203},{"text":"So even if you were to say, okay.","start":675.745,"end":678.625,"sentiment":"neutral","sentiment_score":0.03563569812104106},{"text":"Let's do a full reassessment.","start":678.625,"end":679.845,"sentiment":"neutral","sentiment_score":0.05905192941427231}],"sentiment":"neutral","sentiment_score":0.03792946707717208,"num_words":43,"start":665.25,"end":679.845},{"sentences":[{"text":"Let's do advice just to see where everything's at.","start":679.90497,"end":682.305,"sentiment":"neutral","sentiment_score":0.05820121926565965},{"text":"You can still, at the end of it, decide, do you know what?","start":682.305,"end":685.73,"sentiment":"neutral","sentiment_score":0.023140978068113327},{"text":"No.","start":685.95,"end":686.43,"sentiment":"negative","sentiment_score":-0.3494056463241577},{"text":"I'll just leave it the way things are, and I'm not interested anymore, and we could then just remove the fee.","start":686.43,"end":692.91,"sentiment":"neutral","sentiment_score":-0.3147361221767607},{"text":"It's not like you're locking in through a twelve month period.","start":692.91,"end":695.81,"sentiment":"neutral","sentiment_score":-0.18300576237114993}],"sentiment":"neutral","sentiment_score":-0.14813243472440676,"num_words":55,"start":679.90497,"end":695.81},{"sentences":[{"text":"It is deducted from your account on a monthly basis.","start":696.03,"end":698.59,"sentiment":"neutral","sentiment_score":0.02500711251050234},{"text":"So even if you go, okay.","start":698.59,"end":700.485,"sentiment":"neutral","sentiment_score":0.013495618167022863},{"text":"I'll let's say we'll do some advice, some different strategies, making sure things are correctly positioned, especially with today's market condition and everything like that for you.","start":700.485,"end":709.865,"sentiment":"neutral","sentiment_score":0.29337035174723025},{"text":"And let's say you you go, okay.","start":710.005,"end":712.005,"sentiment":"neutral","sentiment_score":0.1274734086224011},{"text":"Let's give it a couple of months and see how things go.","start":712.005,"end":714.23004,"sentiment":"neutral","sentiment_score":0.1345450064788262}],"sentiment":"neutral","sentiment_score":0.17353061724814675,"num_words":62,"start":696.03,"end":714.23004},{"sentences":[{"text":"And let's say, you know, after two months, you go, you know what?","start":714.23004,"end":717.11005,"sentiment":"neutral","sentiment_score":0.03656857790282139},{"text":"I changed my mind.","start":717.11005,"end":718.49005,"sentiment":"neutral","sentiment_score":-0.2682165205478668},{"text":"I just don't want it anymore.","start":718.71,"end":720.33,"sentiment":"negative","sentiment_score":-0.45909837385018665},{"text":"You can just call us and say, hey.","start":720.55005,"end":721.91003,"sentiment":"neutral","sentiment_score":-0.18847143836319447},{"text":"I do no longer wish to stay on.","start":721.91003,"end":723.67004,"sentiment":"neutral","sentiment_score":-0.2976910397410393}],"sentiment":"neutral","sentiment_score":-0.18567601634332767,"num_words":39,"start":714.23004,"end":723.67004},{"sentences":[{"text":"So it's not like you are committing to a twelve month period.","start":723.67004,"end":726.65,"sentiment":"neutral","sentiment_score":-0.15563460625708103},{"text":"Every twelve months, you have to sign because otherwise, you can't keep charging you.","start":727.33496,"end":731.57495,"sentiment":"neutral","sentiment_score":0.017163567444575683},{"text":"So you have to do a bid, doesn't mean you are locked into a twelve month period.","start":731.57495,"end":734.77496,"sentiment":"neutral","sentiment_score":0.026967281585230547},{"text":"Does that make sense?","start":734.77496,"end":735.75494,"sentiment":"neutral","sentiment_score":0.08586724381893873},{"text":"Yeah.","start":737.975,"end":738.475,"sentiment":"neutral","sentiment_score":0.2885169982910156}],"sentiment":"neutral","sentiment_score":-0.011185324382192144,"num_words":48,"start":723.67004,"end":738.475},{"sentences":[{"text":"Yeah.","start":742.79,"end":742.95,"sentiment":"neutral","sentiment_score":0.14528855681419373},{"text":"More clarity.","start":742.95,"end":743.76996,"sentiment":"neutral","sentiment_score":0.05968404561281204},{"text":"I think so, sir.","start":744.23,"end":745.02997,"sentiment":"neutral","sentiment_score":0.16090165451169014},{"text":"And especially with everything that we have, we wanna make sure, especially with the investments.","start":745.02997,"end":749.85,"sentiment":"neutral","sentiment_score":0.1828213155269623},{"text":"Like you said, obviously, things have come back to even between, like, the last twelve months and three months.","start":750.31,"end":755.245,"sentiment":"neutral","sentiment_score":0.043714632917391624}],"sentiment":"neutral","sentiment_score":0.10929661035174276,"num_words":41,"start":742.79,"end":755.245},{"sentences":[{"text":"We have seen a bit of a you know, things coming back, which is good.","start":755.245,"end":758.065,"sentiment":"neutral","sentiment_score":0.13320940236250559},{"text":"But I want to kind of go into those investments in a little bit more in-depth just to see if there is because there is one that is slightly underperforming at the moment and that I would like to look at changing for you.","start":758.28503,"end":768.92004,"sentiment":"neutral","sentiment_score":-0.09359397959302772},{"text":"But what I what yeah.","start":769.46,"end":771.30005,"sentiment":"neutral","sentiment_score":-0.02977624386548996},{"text":"So what I will do is yeah.","start":771.30005,"end":773.96,"sentiment":"neutral","sentiment_score":-0.03441579320601055},{"text":"And like I said, you can cancel whenever you want to.","start":774.18005,"end":777.06006,"sentiment":"neutral","sentiment_score":-0.08816774426536127}],"sentiment":"neutral","sentiment_score":-0.0424345246993187,"num_words":82,"start":755.245,"end":777.06006},{"sentences":[{"text":"So even if, let's say, I put together all of this advice for you, which only takes about a week or so for me to do, then at least you have a lot more on this, and then you can go following that.","start":777.06006,"end":787.115,"sentiment":"neutral","sentiment_score":0.1792215226694595},{"text":"I know that there's additional fees for me to do that.","start":787.115,"end":789.835,"sentiment":"neutral","sentiment_score":-0.17929155108603564},{"text":"That's just part of that ongoing advice that stays exactly the same.","start":789.835,"end":793.055,"sentiment":"neutral","sentiment_score":0.029468625551089644},{"text":"Yeah.","start":793.435,"end":793.89,"sentiment":"neutral","sentiment_score":0.12961208820343018},{"text":"Correct.","start":794.13,"end":794.63,"sentiment":"neutral","sentiment_score":0.2360460460186005}],"sentiment":"neutral","sentiment_score":0.09490588314228636,"num_words":68,"start":777.06006,"end":794.63},{"sentences":[{"text":"So it's not like additional fees.","start":794.77,"end":796.13,"sentiment":"neutral","sentiment_score":-0.09104012014965217},{"text":"And after that conversation, if you go, nope.","start":796.13,"end":798.63,"sentiment":"neutral","sentiment_score":-0.14691058918833733},{"text":"Don't want it.","start":798.69,"end":799.41003,"sentiment":"neutral","sentiment_score":-0.2692843973636627},{"text":"That's fine.","start":799.41003,"end":800.15,"sentiment":"neutral","sentiment_score":0.026322520105168223},{"text":"And then we can kind of take it from there.","start":801.73004,"end":803.49,"sentiment":"neutral","sentiment_score":0.07113401480019092}],"sentiment":"neutral","sentiment_score":-0.06087563580287428,"num_words":29,"start":794.77,"end":803.49},{"sentences":[{"text":"Does that sound okay, Nathan?","start":803.49,"end":804.87,"sentiment":"neutral","sentiment_score":0.09434579312801361},{"text":"Yes.","start":805.89,"end":806.39,"sentiment":"neutral","sentiment_score":0.12643054127693176},{"text":"Yeah.","start":806.45,"end":806.895,"sentiment":"neutral","sentiment_score":0.03095616400241852},{"text":"Yes.","start":809.135,"end":809.635,"sentiment":"neutral","sentiment_score":0.07623286545276642},{"text":"Yes.","start":810.41504,"end":810.815,"sentiment":"neutral","sentiment_score":0.15116146206855774}],"sentiment":"neutral","sentiment_score":0.09516777760452694,"num_words":9,"start":803.49,"end":810.815},{"sentences":[{"text":"Okay.","start":810.815,"end":811.135,"sentiment":"neutral","sentiment_score":0.26333919167518616},{"text":"Perfect.","start":811.135,"end":811.635,"sentiment":"positive","sentiment_score":0.433904230594635},{"text":"So what I will do just so that I can obviously tailor everything for you is I will just go through just a bit of an updated fact line with you just so I have all the correct and up to date information that I can then base it on.","start":811.775,"end":824.48,"sentiment":"neutral","sentiment_score":0.22539323702454567},{"text":"So kind of bear with me here.","start":824.48,"end":826.32,"sentiment":"neutral","sentiment_score":0.04875264689326286},{"text":"Now, obviously, things may have changed a little bit from when you did your last interview.","start":826.32,"end":829.7,"sentiment":"neutral","sentiment_score":-0.036936472984962165}],"sentiment":"neutral","sentiment_score":0.156229203119874,"num_words":75,"start":810.815,"end":829.7},{"sentences":[{"text":"So I will just go through what I have here and see what's changed.","start":830.24,"end":833.92,"sentiment":"neutral","sentiment_score":0.008676446442093168},{"text":"So, obviously, personal information, still married with three financial dependents?","start":833.92,"end":839.125,"sentiment":"neutral","sentiment_score":-0.018107524421066046},{"text":"Three financial dependents?","start":844.30505,"end":845.525,"sentiment":"neutral","sentiment_score":-0.009829623314241568},{"text":"Yes.","start":847.19995,"end":847.51996,"sentiment":"neutral","sentiment_score":0.03967465087771416},{"text":"Yep.","start":847.51996,"end":847.83997,"sentiment":"neutral","sentiment_score":0.10985561460256577}],"sentiment":"neutral","sentiment_score":0.0020840138453861764,"num_words":29,"start":830.24,"end":847.83997},{"sentences":[{"text":"Yep.","start":847.83997,"end":848.33997,"sentiment":"neutral","sentiment_score":0.0909482091665268},{"text":"Yep.","start":848.72,"end":849.19995,"sentiment":"neutral","sentiment_score":0.1216580793261528},{"text":"Perfect.","start":849.19995,"end":849.69995,"sentiment":"neutral","sentiment_score":0.2491067051887512},{"text":"Now next up, Ken.","start":850.24,"end":851.6,"sentiment":"neutral","sentiment_score":0.1329435110092163},{"text":"So in the event that something happens to you and we can't get in touch with yourself, I have Jessica nominated.","start":851.6,"end":858.66,"sentiment":"neutral","sentiment_score":0.06953622436239607}],"sentiment":"neutral","sentiment_score":0.08763384819030762,"num_words":28,"start":847.83997,"end":858.66},{"sentences":[{"text":"Is that still the case?","start":858.8,"end":860.1,"sentiment":"neutral","sentiment_score":0.050287794321775436},{"text":"Yep.","start":861.465,"end":861.78503,"sentiment":"neutral","sentiment_score":0.07033227384090424},{"text":"Yep.","start":861.78503,"end":862.185,"sentiment":"neutral","sentiment_score":0.103935144841671},{"text":"Perfect.","start":862.185,"end":862.685,"sentiment":"neutral","sentiment_score":0.24411310255527496},{"text":"And her phone number hasn't changed in the last twelve months.","start":862.745,"end":866.025,"sentiment":"neutral","sentiment_score":0.05884360826828263}],"sentiment":"neutral","sentiment_score":0.06932100967357033,"num_words":19,"start":858.8,"end":866.025},{"sentences":[{"text":"It still ends in at 203?","start":866.025,"end":868.445,"sentiment":"neutral","sentiment_score":0.033422814682126045},{"text":"Yep.","start":869.705,"end":870.10504,"sentiment":"neutral","sentiment_score":0.06525969505310059},{"text":"Okay.","start":870.10504,"end":870.425,"sentiment":"neutral","sentiment_score":0.14512276649475098},{"text":"Perfect.","start":870.425,"end":870.925,"sentiment":"neutral","sentiment_score":0.25422433018684387},{"text":"Now, obviously, I have here that you were early education teacher, but right now, stay at home dad, which is beautiful.","start":871.305,"end":878.57,"sentiment":"neutral","sentiment_score":0.23200017000947679}],"sentiment":"neutral","sentiment_score":0.18457157500088214,"num_words":30,"start":866.025,"end":878.57},{"sentences":[{"text":"When did you last stop working?","start":882.14996,"end":884.14996,"sentiment":"neutral","sentiment_score":0.004229454323649406},{"text":"Did you say?","start":884.14996,"end":884.70996,"sentiment":"neutral","sentiment_score":-0.0021798983216285706},{"text":"Was that March?","start":884.70996,"end":885.52997,"sentiment":"neutral","sentiment_score":-0.0033279787749052048},{"text":"Okay.","start":888.965,"end":889.465,"sentiment":"neutral","sentiment_score":0.0053584277629852295},{"text":"Yep.","start":892.485,"end":892.985,"sentiment":"neutral","sentiment_score":0.10242288559675217}],"sentiment":"neutral","sentiment_score":0.008331029143716608,"num_words":14,"start":882.14996,"end":892.985},{"sentences":[{"text":"Perfect.","start":893.125,"end":893.605,"sentiment":"neutral","sentiment_score":0.21284037828445437},{"text":"Okay.","start":893.605,"end":894.105,"sentiment":"neutral","sentiment_score":0.08536244928836823},{"text":"Now and financially, are you guys obviously managing everything okay without your income and stuff?","start":895.765,"end":905.16003,"sentiment":"neutral","sentiment_score":0.06107818800956011},{"text":"Yep.","start":905.46,"end":905.96,"sentiment":"neutral","sentiment_score":0.008694993332028389},{"text":"Oh, great.","start":908.66003,"end":909.32,"sentiment":"positive","sentiment_score":0.6737526059150696}],"sentiment":"neutral","sentiment_score":0.1285287926439196,"num_words":20,"start":893.125,"end":909.32},{"sentences":[{"text":"Mhmm.","start":913.235,"end":913.735,"sentiment":"neutral","sentiment_score":0.06679386645555496},{"text":"Yes.","start":915.315,"end":915.815,"sentiment":"neutral","sentiment_score":0.02116139978170395},{"text":"Yes.","start":917.795,"end":918.295,"sentiment":"neutral","sentiment_score":0.11334659159183502},{"text":"Yep.","start":924.37,"end":924.87,"sentiment":"neutral","sentiment_score":0.011135024949908257},{"text":"Yep.","start":927.64996,"end":928.05,"sentiment":"neutral","sentiment_score":0.13573305308818817}],"sentiment":"neutral","sentiment_score":0.06963398717343808,"num_words":5,"start":913.235,"end":928.05},{"sentences":[{"text":"Okay.","start":928.05,"end":928.45,"sentiment":"neutral","sentiment_score":0.32565993070602417},{"text":"Perfect.","start":928.45,"end":928.95,"sentiment":"positive","sentiment_score":0.759310245513916},{"text":"That's good.","start":929.08997,"end":929.91,"sentiment":"positive","sentiment_score":0.7975134551525116},{"text":"Now asset wise, I have here","start":931.57,"end":934.39,"sentiment":"neutral","sentiment_score":0.2333154914279779}],"sentiment":"positive","sentiment_score":0.4079890035092831,"num_words":10,"start":928.05,"end":934.39}]}}]},{"alternatives":[{"transcript":"Hi. Nathan speaking. Yeah. Good. Yourself? Yeah. Yeah. Just give me one second. I've just got another phone call on hold. I'll just take I'll get rid of that one, and I'll come over to you. One second, if I can work ahead and do that. Alright. Are you still there? Yep. Perfect. Yes. Thank you. Yep. So it's Nathan David Morge, 01/17/1989. And was it address, was it? Sorry. Yep. Unit 1 Of 121 George Street, East Maitland, New South Wales 2323. Yes. Three kids, you know, just getting up doing doing the housework. You seem to clean the house about 10 times a day. So Yeah. I was simply reaching out to say, hey. Look. Over the last couple of years, I've really just worked a few part time jobs because I'm I'm mainly the stay at home parent. As of March just gone this year, I have no income. I'm I'm physically the stay at home dad looking after two children whilst getting the third to go to school. So my suit is gonna have no contributions for at least twelve months, possibly up to twenty four months. And I know that it has performed reasonably well given that it it took a quite a large hit last year. It seems to have recovered all that, plus with, like, the fees and everything on top charge as well. So it seems to be back to sort of where it was, but I'm just concerned look. If there's no contributions, at least for twelve to twenty four months, how can I minimize any potential loss from super? So I was just thinking in my head, you know, do I do I change the way it's invested? Do I change where it is? Do I stop the do I stop the advisory fee, which is obviously a large chunk? Like, there was all these things going in my head. How can I sort of keep the balance where it is if it's gonna have no contribution or minimize what do you call it? Minimize loss. Because I I I can't without having contributions going in, I can't sort of make up some of that loss. But then I was playing around with the hub the other day as well and also looked at the through your super through hub, you can buy into term investments. So I thought, oh, that might be an option too because you're guaranteed, obviously, a certain amount of money that you can't lose on. So I I don't know. I don't have the answers. I've never done this before, but I just wanna obviously don't wanna see that balance go down by another $25 or so if the war and the world hits, you know, wherever it's going. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. No. Yeah. Yeah. Yeah. Yeah. Absolutely. That that's how I was kinda explaining it in my mind. And I was just like, well, you know, when I when I when I took a big it is in, like, a a high risk, I think, or high growth at the moment. And when it's taken a big dip, I'm like, okay. That's fine. There's there's contributions going in. The market will rebound, but it was just more worrying that if I can't contribute to it to offset some of that. Yeah. And look. It's not a large balance. It's it's it's it's a healthy balance, but it's not I don't know where it should be given my age, but I I need to I don't wanna see it drop back down to a 100 and then have to try and claw back that extra 25 again. So I've done that almost twice now with, like, COVID and and so yeah. So I'm just trying to protect myself a little bit, and I don't have the answers. So I thought I'd give you guys a call because you've had it for the last, I think, three or four years. Okay. So if we do if we do the annual review, which was ready and due to be done, how how is that still paid for? How is it like Okay. Right. Yep. Yeah. Mhmm. Yes. I did I did do that. Yep. Yep. Yeah. No. I logged into it the other day, and it still says that the insurance is active and and that the op the insurance opt in is there. It's it's only got about $12, and it it simply just pays for the insurance, but it's it's managed to still grow a little bit even after paying all the insurances and fees. So that's that's not too bad. Yeah. So if I do the review again, just just so I'm I'm clear, how much does that cost? Yep. Yep. Okay. Yep. Okay. Right. Yep. Okay. Mhmm. Okay. Yep. Yeah. Yeah. That that's completely fine. Well, I think I think we should definitely do that, and then we can get some ideas and then and go from there. Yeah. Okay. Alright. Well, let's Yeah. Yeah. Let's let's do that. Yep. Okay. Ongoing at Boston. No. That's completely fine. Yep. Okay. Yep. Yeah. Yeah. Perfect. Yep. And I've seen that monthly adviser fee come out anyway, so that previously, so that's fine. Yep. Sure. Sorry. Sorry. Married. Did you say three dependents? Yes. Yes. Got got three good now. Yes. Yes. Yes. Correct. That's the y. Correct. Yeah. It was, like, the March 9, I think it was. So that that pay week would have been the last contribution. Yeah. Yeah. We we we can we can live off my wife's salary. I recently we I'm gonna get family tax benefit a now, which comes in fortnightly. It's not much because he's on a high income. 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Nathan speaking. Yeah. Good. Yourself?\n\nYeah. Yeah. Just give me one second. I've just got another phone call on hold. I'll just take I'll get rid of that one, and I'll come over to you.\n\nOne second, if I can work ahead and do that. Alright. Are you still there? Yep. Perfect.\n\nYes. Thank you. Yep. So it's Nathan David Morge, 01/17/1989. And was it address, was it?\n\nSorry. Yep. Unit 1 Of 121 George Street, East Maitland, New South Wales 2323. Yes. Three kids, you know, just getting up doing doing the housework.\n\nYou seem to clean the house about 10 times a day. So Yeah. I was simply reaching out to say, hey. Look. Over the last couple of years, I've really just worked a few part time jobs because I'm I'm mainly the stay at home parent.\n\nAs of March just gone this year, I have no income. I'm I'm physically the stay at home dad looking after two children whilst getting the third to go to school. So my suit is gonna have no contributions for at least twelve months, possibly up to twenty four months. And I know that it has performed reasonably well given that it it took a quite a large hit last year. It seems to have recovered all that, plus with, like, the fees and everything on top charge as well.\n\nSo it seems to be back to sort of where it was, but I'm just concerned look. If there's no contributions, at least for twelve to twenty four months, how can I minimize any potential loss from super? So I was just thinking in my head, you know, do I do I change the way it's invested? Do I change where it is? Do I stop the do I stop the advisory fee, which is obviously a large chunk?\n\nLike, there was all these things going in my head. How can I sort of keep the balance where it is if it's gonna have no contribution or minimize what do you call it? Minimize loss. Because I I I can't without having contributions going in, I can't sort of make up some of that loss. But then I was playing around with the hub the other day as well and also looked at the through your super through hub, you can buy into term investments.\n\nSo I thought, oh, that might be an option too because you're guaranteed, obviously, a certain amount of money that you can't lose on. So I I don't know. I don't have the answers. I've never done this before, but I just wanna obviously don't wanna see that balance go down by another $25 or so if the war and the world hits, you know, wherever it's going. Yes.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. That that's how I was kinda explaining it in my mind. And I was just like, well, you know, when I when I when I took a big it is in, like, a a high risk, I think, or high growth at the moment. And when it's taken a big dip, I'm like, okay.\n\nThat's fine. There's there's contributions going in. The market will rebound, but it was just more worrying that if I can't contribute to it to offset some of that. Yeah. And look.\n\nIt's not a large balance. It's it's it's it's a healthy balance, but it's not I don't know where it should be given my age, but I I need to I don't wanna see it drop back down to a 100 and then have to try and claw back that extra 25 again. So I've done that almost twice now with, like, COVID and and so yeah. So I'm just trying to protect myself a little bit, and I don't have the answers. So I thought I'd give you guys a call because you've had it for the last, I think, three or four years.\n\nOkay. So if we do if we do the annual review, which was ready and due to be done, how how is that still paid for? How is it like Okay. Right. Yep.\n\nYeah. Mhmm. Yes. I did I did do that. Yep.\n\nYep. Yeah. No. I logged into it the other day, and it still says that the insurance is active and and that the op the insurance opt in is there. It's it's only got about $12, and it it simply just pays for the insurance, but it's it's managed to still grow a little bit even after paying all the insurances and fees.\n\nSo that's that's not too bad. Yeah. So if I do the review again, just just so I'm I'm clear, how much does that cost? Yep. Yep.\n\nOkay. Yep. Okay. Right. Yep.\n\nOkay. Mhmm. Okay. Yep. Yeah.\n\nYeah. That that's completely fine. Well, I think I think we should definitely do that, and then we can get some ideas and then and go from there. Yeah. Okay.\n\nAlright. Well, let's Yeah. Yeah. Let's let's do that. Yep.\n\nOkay. Ongoing at Boston. No. That's completely fine. Yep.\n\nOkay. Yep. Yeah. Yeah. Perfect.\n\nYep. And I've seen that monthly adviser fee come out anyway, so that previously, so that's fine. Yep. Sure. Sorry.\n\nSorry. Married. Did you say three dependents? Yes. Yes.\n\nGot got three good now. Yes. Yes. Yes. Correct.\n\nThat's the y. Correct. Yeah. It was, like, the March 9, I think it was. So that that pay week would have been the last contribution.\n\nYeah. Yeah. We we we can we can live off my wife's salary. I recently we I'm gonna get family tax benefit a now, which comes in fortnightly. It's not much because he's on a high income.\n\nBut the plan for us at the moment is just to put that money into an account and not touch it and then see what we need to do with it at the end of next year come tax time.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.79999995,"end":1.12,"sentiment":"neutral","sentiment_score":0.057145893573760986},{"text":"Nathan 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hold.","start":16.845,"end":19.485,"sentiment":"neutral","sentiment_score":-0.1932438425719738},{"text":"I'll just take I'll get rid of that one, and I'll come over to you.","start":19.485,"end":23.404999,"sentiment":"neutral","sentiment_score":-0.1084547887245814}],"sentiment":"neutral","sentiment_score":-0.10942275241638223,"num_words":30,"start":15.245,"end":23.404999},{"sentences":[{"text":"One second, if I can work ahead and do that.","start":23.404999,"end":27.03,"sentiment":"neutral","sentiment_score":-0.00970096280798316},{"text":"Alright.","start":35.35,"end":35.83,"sentiment":"neutral","sentiment_score":0.008112366311252117},{"text":"Are you still there?","start":35.83,"end":36.89,"sentiment":"neutral","sentiment_score":-0.0089467812795192},{"text":"Yep.","start":38.47,"end":38.870003,"sentiment":"neutral","sentiment_score":0.05114433914422989},{"text":"Perfect.","start":38.870003,"end":39.370003,"sentiment":"neutral","sentiment_score":0.1700306236743927}],"sentiment":"neutral","sentiment_score":0.005675916231292135,"num_words":17,"start":23.404999,"end":39.370003},{"sentences":[{"text":"Yes.","start":49.315002,"end":49.635002,"sentiment":"neutral","sentiment_score":0.14185839891433716},{"text":"Thank you.","start":49.635002,"end":50.375,"sentiment":"neutral","sentiment_score":0.2691558003425598},{"text":"Yep.","start":62.65,"end":62.97,"sentiment":"neutral","sentiment_score":0.01968272030353546},{"text":"So it's Nathan David Morge, 01/17/1989.","start":62.97,"end":67.71,"sentiment":"neutral","sentiment_score":0.017354520969092846},{"text":"And was it address, was it?","start":67.994995,"end":69.354996,"sentiment":"neutral","sentiment_score":0.012930337339639664}],"sentiment":"neutral","sentiment_score":0.05509761685971171,"num_words":16,"start":49.315002,"end":69.354996},{"sentences":[{"text":"Sorry.","start":69.354996,"end":69.854996,"sentiment":"neutral","sentiment_score":-0.016710111871361732},{"text":"Yep.","start":70.954994,"end":71.454994,"sentiment":"neutral","sentiment_score":0.015826983377337456},{"text":"Unit 1 Of 121 George Street, East Maitland, New South Wales 2323.","start":72.395,"end":77.454994,"sentiment":"neutral","sentiment_score":0.01827605317036311},{"text":"Yes.","start":82.329994,"end":82.81,"sentiment":"neutral","sentiment_score":-0.02471766620874405},{"text":"Three kids, you know, just getting up doing doing the housework.","start":82.81,"end":85.92999,"sentiment":"neutral","sentiment_score":-0.12787264958024025}],"sentiment":"neutral","sentiment_score":-0.04664951161696361,"num_words":26,"start":69.354996,"end":85.92999},{"sentences":[{"text":"You seem to clean the house about 10 times a day.","start":85.92999,"end":88.009995,"sentiment":"neutral","sentiment_score":-0.14517269757660953},{"text":"So Yeah.","start":88.009995,"end":113.12,"sentiment":"neutral","sentiment_score":-0.0629836656153202},{"text":"I was simply reaching out to say, hey.","start":113.12,"end":115.04,"sentiment":"neutral","sentiment_score":-0.08375036530196667},{"text":"Look.","start":115.04,"end":115.54,"sentiment":"neutral","sentiment_score":-0.06001193448901177},{"text":"Over the last couple of years, I've really just worked a few part time jobs because I'm I'm mainly the stay at home 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loss.","start":203.09,"end":204.315,"sentiment":"neutral","sentiment_score":-0.06850212439894676},{"text":"Because I I I can't without having contributions going in, I can't sort of make up some of that loss.","start":204.875,"end":210.975,"sentiment":"neutral","sentiment_score":-0.10457450225949287},{"text":"But then I was playing around with the hub the other day as well and also looked at the through your super through hub, you can buy into term investments.","start":212.235,"end":221.63,"sentiment":"neutral","sentiment_score":0.02021710847814878}],"sentiment":"neutral","sentiment_score":-0.018635014044987255,"num_words":86,"start":191.65,"end":221.63},{"sentences":[{"text":"So I thought, oh, that might be an option too because you're guaranteed, obviously, a certain amount of money that you can't lose on.","start":221.69,"end":227.69,"sentiment":"neutral","sentiment_score":-0.012246976916988691},{"text":"So I I don't 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that's completely fine.","start":736.02,"end":737.14,"sentiment":"neutral","sentiment_score":0.3305676728487015},{"text":"Well, I think I think we should definitely do that, and then we can get some ideas and then and go from there.","start":737.14,"end":743.64496,"sentiment":"neutral","sentiment_score":0.25915356757848157},{"text":"Yeah.","start":744.58496,"end":745.08496,"sentiment":"neutral","sentiment_score":0.1448253095149994},{"text":"Okay.","start":769.03503,"end":769.435,"sentiment":"neutral","sentiment_score":-0.02488352730870247}],"sentiment":"neutral","sentiment_score":0.2531678824375073,"num_words":30,"start":735.86005,"end":769.435},{"sentences":[{"text":"Alright.","start":769.435,"end":769.755,"sentiment":"neutral","sentiment_score":-0.004825997166335583},{"text":"Well, let's Yeah.","start":769.755,"end":771.195,"sentiment":"neutral","sentiment_score":-0.029940107837319374},{"text":"Yeah.","start":771.195,"end":771.695,"sentiment":"neutral","sentiment_score":-0.04813678562641144},{"text":"Let's let's do that.","start":771.755,"end":772.955,"sentiment":"neutral","sentiment_score":-0.000736251007765532},{"text":"Yep.","start":772.955,"end":773.455,"sentiment":"neutral","sentiment_score":-0.0019333772361278536}],"sentiment":"neutral","sentiment_score":-0.014766148757189512,"num_words":10,"start":769.435,"end":773.455},{"sentences":[{"text":"Okay.","start":777.515,"end":778.015,"sentiment":"neutral","sentiment_score":0.038897767663002014},{"text":"Ongoing at Boston.","start":792.09,"end":793.05,"sentiment":"neutral","sentiment_score":0.004584496064732472},{"text":"No.","start":793.05,"end":793.21,"sentiment":"neutral","sentiment_score":-0.037107668817043304},{"text":"That's completely fine.","start":793.21,"end":794.33,"sentiment":"neutral","sentiment_score":0.22177230504651865},{"text":"Yep.","start":794.33,"end":794.83,"sentiment":"neutral","sentiment_score":0.1254114955663681}],"sentiment":"neutral","sentiment_score":0.08958577752734224,"num_words":9,"start":777.515,"end":794.83},{"sentences":[{"text":"Okay.","start":800.375,"end":800.775,"sentiment":"neutral","sentiment_score":0.06465238332748413},{"text":"Yep.","start":800.775,"end":801.275,"sentiment":"neutral","sentiment_score":0.07237260788679123},{"text":"Yeah.","start":804.85504,"end":805.175,"sentiment":"neutral","sentiment_score":0.09503880143165588},{"text":"Yeah.","start":805.175,"end":805.41504,"sentiment":"neutral","sentiment_score":0.158823162317276},{"text":"Perfect.","start":805.41504,"end":805.73505,"sentiment":"neutral","sentiment_score":0.3309285044670105}],"sentiment":"neutral","sentiment_score":0.14436309188604354,"num_words":5,"start":800.375,"end":805.73505},{"sentences":[{"text":"Yep.","start":805.73505,"end":805.895,"sentiment":"neutral","sentiment_score":0.1610877960920334},{"text":"And I've seen that monthly adviser fee come out anyway, so that previously, so that's fine.","start":805.895,"end":809.895,"sentiment":"neutral","sentiment_score":0.05670956603717059},{"text":"Yep.","start":809.895,"end":810.395,"sentiment":"neutral","sentiment_score":0.10174383968114852},{"text":"Sure.","start":822.58,"end":823.08,"sentiment":"neutral","sentiment_score":0.11245511472225188},{"text":"Sorry.","start":841.09,"end":841.41,"sentiment":"neutral","sentiment_score":-0.05665602535009384}],"sentiment":"neutral","sentiment_score":0.06129918908700347,"num_words":20,"start":805.73505,"end":841.41},{"sentences":[{"text":"Sorry.","start":841.41,"end":841.65,"sentiment":"neutral","sentiment_score":-0.04488352686166763},{"text":"Married.","start":841.65,"end":842.13,"sentiment":"neutral","sentiment_score":-0.029316425323486328},{"text":"Did you say three dependents?","start":842.13,"end":843.59,"sentiment":"neutral","sentiment_score":-0.014935259148478508},{"text":"Yes.","start":846.29,"end":846.61,"sentiment":"neutral","sentiment_score":0.014020143076777458},{"text":"Yes.","start":846.61,"end":846.85,"sentiment":"neutral","sentiment_score":0.024632278829813004}],"sentiment":"neutral","sentiment_score":-0.012247091780106226,"num_words":9,"start":841.41,"end":846.85},{"sentences":[{"text":"Got got three good 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March 9, I think it was.","start":886.635,"end":888.875,"sentiment":"neutral","sentiment_score":-0.0004765816032886507},{"text":"So that that pay week would have been the last contribution.","start":888.875,"end":891.695,"sentiment":"neutral","sentiment_score":-0.012954388999126175}],"sentiment":"neutral","sentiment_score":0.003914350070632421,"num_words":26,"start":860.705,"end":891.695},{"sentences":[{"text":"Yeah.","start":904.44,"end":904.68005,"sentiment":"neutral","sentiment_score":0.01581069827079773},{"text":"Yeah.","start":904.68005,"end":904.84,"sentiment":"neutral","sentiment_score":0.013071134686470032},{"text":"We we we can we can live off my wife's salary.","start":904.84,"end":908.06,"sentiment":"neutral","sentiment_score":0.17800586179576136},{"text":"I recently we I'm gonna get family tax benefit a now, which comes in fortnightly.","start":908.84,"end":914.30005,"sentiment":"neutral","sentiment_score":0.19989689141511918},{"text":"It's not much because he's on a high income.","start":914.675,"end":917.095,"sentiment":"neutral","sentiment_score":0.026363983750343323}],"sentiment":"neutral","sentiment_score":0.1411533929105546,"num_words":37,"start":904.44,"end":917.095},{"sentences":[{"text":"But the plan for us at the moment is just to put that money into an account and not touch it and then see what we need to do with it at the end of next year come tax time.","start":918.19495,"end":927.2729,"sentiment":"neutral","sentiment_score":0.031547348387539385}],"sentiment":"neutral","sentiment_score":0.031547348387539385,"num_words":40,"start":918.19495,"end":927.2729}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Nathan speaking.\n\nChannel 0: Good morning, Nathan. This is Veronica from ITU Financial. How are you?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm good. Thanks. I had you booked in for a little bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. Just give me one\n\nChannel 0: Yeah.\n\nChannel 1: second. I've just got another phone call on hold. I'll just take I'll get rid of that one,\n\nChannel 0: Sure.\n\nChannel 1: and\n\nChannel 0: No\n\nChannel 1: I'll come\n\nChannel 0: worries.\n\nChannel 1: over to you. One second,\n\nChannel 0: Sure.\n\nChannel 1: if I can work ahead and do that.\n\nChannel 0: If not, you can always call me back.\n\nChannel 1: Alright. Are you still there?\n\nChannel 0: Yeah. Can you hear me?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yeah. Now, Nathan, 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: Yes. Thank you.\n\nChannel 0: Yeah. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. So it's Nathan David Morge, 01/17/1989. And was it address, was it? Sorry.\n\nChannel 0: Mhmm. Yes, please.\n\nChannel 1: Yep. Unit 1 Of 121 George Street, East Maitland, New South Wales 2323.\n\nChannel 0: Yep. Beautiful. And how's your morning been so far? I've been busy or just getting started?\n\nChannel 1: Yes. Three kids, you know, just getting\n\nChannel 0: No.\n\nChannel 1: up doing doing the housework.\n\nChannel 0: Full\n\nChannel 1: You seem\n\nChannel 0: on.\n\nChannel 1: to clean the house about 10 times a day. So\n\nChannel 0: I can imagine. Now, Nathan, I have you booked in. We were actually in the process of trying to book in for your interview as well, which is coming up. But I also noticed that you obviously spoke to my colleague, Jack, a few days ago and had some concerns in regards to fees or not working for a little while. Is that correct?\n\nChannel 1: Yeah. I was simply reaching out to say, hey. Look. Over the last couple of years, I've really just worked a few part time jobs because I'm I'm mainly the stay\n\nChannel 0: Mhmm.\n\nChannel 1: at home parent.\n\nChannel 0: Mhmm.\n\nChannel 1: As of March just gone this year, I have no income. I'm I'm physically the stay at home dad looking after two children whilst getting the third\n\nChannel 0: Mhmm.\n\nChannel 1: to go to school.\n\nChannel 0: Mhmm.\n\nChannel 1: So my suit is gonna have no contributions\n\nChannel 0: Yep.\n\nChannel 1: for at least twelve months, possibly up to twenty four months.\n\nChannel 0: Mhmm.\n\nChannel 1: And I know that it has performed reasonably well given that it it took a quite a large hit last year. It seems to have recovered all that,\n\nChannel 0: Mhmm.\n\nChannel 1: plus with, like, the fees and everything on top charge as well. So it seems to be back to sort of where it was, but I'm just\n\nChannel 0: Yep.\n\nChannel 1: concerned look. If there's no contributions, at least for twelve to twenty four months, how can I minimize any potential loss from super? So I was just thinking in my head, you know, do I do I change the way it's invested? Do I change where it is? Do I\n\nChannel 0: Mhmm.\n\nChannel 1: stop the do I stop the advisory fee, which is obviously a large chunk? Like, there was all these things going in my head. How can I sort of keep the balance where it is if it's gonna have no contribution or\n\nChannel 0: Yep.\n\nChannel 1: minimize what do you call it? Minimize loss. Because\n\nChannel 0: Yep.\n\nChannel 1: I I\n\nChannel 0: Yep.\n\nChannel 1: I can't without having contributions going in, I can't sort of make up some of that loss. But then I was playing around with the hub the other day as well and also\n\nChannel 0: Mhmm.\n\nChannel 1: looked at the through your super through hub, you can buy into term investments. So I thought, oh, that might be an option too because\n\nChannel 0: Mhmm.\n\nChannel 1: you're guaranteed, obviously, a certain amount of money that you can't lose on. So I I don't know. I don't have the answers. I've never done this before, but I just wanna obviously\n\nChannel 0: Yep.\n\nChannel 1: don't wanna\n\nChannel 0: Have\n\nChannel 1: see\n\nChannel 0: a\n\nChannel 1: that\n\nChannel 0: good\n\nChannel 1: balance\n\nChannel 0: chat.\n\nChannel 1: go down by another\n\nChannel 0: Yeah.\n\nChannel 1: $25 or so if the war and the world hits, you know, wherever it's going.\n\nChannel 0: Yeah. And and that totally makes sense. And there are a couple of, obviously, factors to consider. I would say if anything, you not working or not obviously, you're working, but different. Not getting\n\nChannel 1: Yes.\n\nChannel 0: contributions.\n\nChannel 1: Yes.\n\nChannel 0: You're not getting contributions in through superannuation for twelve to twenty four months. If anything strengthens the need for making sure everything is set up the right way for you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Because like you said, obviously, you wanna make sure your Cucuba continues to grow. But to do that as well, you want to have that kind of active management to your investment becomes it comes even more important to manage everything in\n\nChannel 1: Yeah.\n\nChannel 0: the right way, especially with all the market conditions and everything like you like you touched on as well. So, obviously, the last twelve months have been a bit of turbulent, obviously, with the market as well. Obviously, you had everything in The US and Trump and tariffs and, obviously, the war and everything. So kind of the need for the active component becomes even more important with contributions not going in because that could also obviously change the trajectory of how everything was planned for you. So,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: obviously, the the choice is ultimately completely up to you. But what I would suggest would be the the best way would be for me to do, obviously, if you are happy with that, would be for me to kind of do a full reassessment of everything for you. So kind of\n\nChannel 1: No.\n\nChannel 0: go through the annual review, go through your investments, your risk profile, and specifically look at those investments because, yes, obviously, super is long term. So you will have some short term fluctuation. For the time being, you cannot until you meet a condition of release, which often is, like, 60 and not working. So you obviously still have plenty of time, so the need for your money kind of growing and compounding is still there. Now, obviously, you will have, like, you've touched on fees coming out, but it is important to manage that it continues to be invested the right way to negate fees as well.\n\nSo, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: Yeah.\n\nChannel 0: though you don't have contributions going in, your money is invested correctly And, obviously, depending on market conditions and diversified in the right way will continue to go up because it's invested as long as, obviously, the investment is correct, managing your risk and everything like that. It's like that's the the important part, especially when you don't have contributions going in. Does\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: make sense, Nathan?\n\nChannel 1: Absolutely. That that's how I was kinda explaining it in my mind. And I was just like,\n\nChannel 0: Yes.\n\nChannel 1: well, you know, when I when I when I took a big it is in, like, a a high risk, I think, or high growth at the moment.\n\nChannel 0: Correct. Yes.\n\nChannel 1: And when it's taken a big dip, I'm like, okay. That's fine. There's there's contributions going in. The market will rebound, but it was just\n\nChannel 0: Mhmm.\n\nChannel 1: more worrying that if I can't contribute to it to offset some of that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And look. It's not a large balance. It's it's\n\nChannel 0: Mhmm.\n\nChannel 1: it's it's a healthy balance, but it's not\n\nChannel 0: Yeah.\n\nChannel 1: I don't know where it should be given my age, but I I need to I don't wanna see it drop back down to a 100 and then have to try and claw back that extra 25 again. So I've done that almost twice now\n\nChannel 0: Yeah.\n\nChannel 1: with, like, COVID and and so\n\nChannel 0: Yes. Has been has been a little bit going on in the market, hasn't it?\n\nChannel 1: yeah. So I'm just trying to protect myself\n\nChannel 0: Of\n\nChannel 1: a little\n\nChannel 0: course.\n\nChannel 1: bit, and I don't have the answers. So I thought I'd give you guys\n\nChannel 0: Yeah.\n\nChannel 1: a call because you've had it for the\n\nChannel 0: Yep.\n\nChannel 1: last, I think, three or four years.\n\nChannel 0: Yep. So, again, choice is completely up to you. If if you would be happy to sorry. With, obviously, our advice fees and as well, I understand, obviously, that is that will continue to come out of your account even if you're not contributing. But then\n\nChannel 1: Okay.\n\nChannel 0: the strategy and the advice will become very important to make sure everything is set up correctly to negate that, which we always\n\nChannel 1: So if\n\nChannel 0: wanna\n\nChannel 1: we\n\nChannel 0: focus\n\nChannel 1: do\n\nChannel 0: on.\n\nChannel 1: if we do the annual review, which was ready and due to be done,\n\nChannel 0: Yes.\n\nChannel 1: how how is that still paid for? How is it like\n\nChannel 0: So for the time being, right now, your fee has just turned off.\n\nChannel 1: Okay.\n\nChannel 0: So it turned off on the July 5. What\n\nChannel 1: Right.\n\nChannel 0: that means, though, because the fee is not currently on, is that we can't obviously do the management of your investments. If you look to wanna make changes, make sure everything is set up for you. So\n\nChannel 1: Yep.\n\nChannel 0: to make sure, obviously, especially in your situation right now, it is obviously very important because you haven't really had a new kind of research with in-depth with investments. That is something I would like to do for you, especially given your situation of,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, you having a bit of fluctuations. Also assessing whether that high risk is still suitable or whether you want to potentially look at reducing the risk a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: Still, obviously, by doing it, though, long term, you may have less growth, but you can have a little bit less fluctuations at least in the interim while you are not getting those contributions. So it would kind of be a full reassessment. I would do advice and put together a strategy that based on your current situation is going to be the best for you and then kind of see what you think about it. What's also important is because you have MRSA, the former BT super for your insurances,\n\nChannel 1: Yes.\n\nChannel 0: with that, if you do not have contributions going in through the funds for about sixteen months and you have not completed an opt in form, they call it, to keep the insurances, they\n\nChannel 1: I did\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: be\n\nChannel 1: did do that. Yep.\n\nChannel 0: you did. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Because otherwise, there could be a risk of those lapsing, which we do not want.\n\nChannel 1: Yeah. No. I logged\n\nChannel 0: But\n\nChannel 1: into it the other day, and it still says that the insurance is active and and\n\nChannel 0: okay.\n\nChannel 1: that the op the insurance opt in is there.\n\nChannel 0: Beautiful.\n\nChannel 1: It's\n\nChannel 0: Yep.\n\nChannel 1: it's only got about $12, and it it simply just pays for the insurance, but it's it's managed to still grow a little bit even after paying all the insurances and fees. So that's that's not too bad.\n\nChannel 0: Yeah. No. That's really good. Okay. That's good.\n\nBecause that would be my big concern is if depending on how much money you have in there and then also that opt in if you don't have contribution. So that at least is good that those would kind of\n\nChannel 1: Yeah. So if I do the review\n\nChannel 0: stay.\n\nChannel 1: again,\n\nChannel 0: Mhmm.\n\nChannel 1: just just\n\nChannel 0: Yep.\n\nChannel 1: so I'm I'm clear, how\n\nChannel 0: Yes.\n\nChannel 1: much does that cost?\n\nChannel 0: Sorry. The review itself obviously doesn't cost anything,\n\nChannel 1: Yep.\n\nChannel 0: but it would be obviously, in order for me to do it's not really the review. It's more for doing all the advice and everything after that and review for you and making sure we have, you know, strategies and stuff that puts you in the best position. We\n\nChannel 1: Yep.\n\nChannel 0: would obviously need the the fees turned back on. Now\n\nChannel 1: Okay.\n\nChannel 0: how the fees work is it is a ongoing service agreement. The fee\n\nChannel 1: Yep.\n\nChannel 0: percentage stays the same. So it's not increasing, obviously, or despite all the increase in inflation, everything like that, it is not changing. So it's staying\n\nChannel 1: Okay.\n\nChannel 0: exactly the same at 1.65. Now the one thing I do wanna stress to you is that it is not a one year fee. Right?\n\nChannel 1: Right.\n\nChannel 0: So it is deducted on a monthly basis for you. So\n\nChannel 1: Yep.\n\nChannel 0: even if you were to say, okay. Let's do a full reassessment. Let's do advice just to see where everything's at. You can still, at the end of it, decide, do you know what? No.\n\nI'll just leave it the way things are, and I'm not interested anymore, and we could then just remove the fee. It's not like you're locking in through a twelve month period. It is deducted\n\nChannel 1: Okay.\n\nChannel 0: from your account on a monthly basis. So even if you go, okay. I'll let's say we'll do some advice, some different strategies, making sure things are correctly positioned, especially with today's market condition and everything like that for you. And let's say you you go, okay. Let's give it a couple of months and see how things go.\n\nAnd let's say, you know, after two months, you go, you know what? I changed my mind. I just don't want it anymore. You can just\n\nChannel 1: Mhmm.\n\nChannel 0: call us and say, hey. I do no longer wish to stay on. So it's not like you are committing to a twelve month period.\n\nChannel 1: Okay.\n\nChannel 0: Every twelve\n\nChannel 1: Yep.\n\nChannel 0: months, you have to sign because otherwise, you can't keep charging you. So you have to do a bid, doesn't mean you are locked into a twelve month period. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yeah. That that's completely fine. Well, I think I think we should\n\nChannel 0: Yeah.\n\nChannel 1: definitely do that, and then we can get some ideas and then and go\n\nChannel 0: Yeah.\n\nChannel 1: from\n\nChannel 0: More\n\nChannel 1: there.\n\nChannel 0: clarity. I think\n\nChannel 1: Yeah.\n\nChannel 0: so, sir. And especially with everything that we have, we wanna make sure, especially with the investments. Like you said, obviously, things have come back to even between, like, the last twelve months and three months. We have seen a bit of a you know, things coming back, which is good. But I want to kind of go into those investments in a little bit more in-depth just to see if there is because there is one that is slightly underperforming at the moment and that I would like to look at changing for you.\n\nChannel 1: Okay. Alright.\n\nChannel 0: But what\n\nChannel 1: Well,\n\nChannel 0: I\n\nChannel 1: let's\n\nChannel 0: what\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So what I\n\nChannel 1: Let's\n\nChannel 0: will do\n\nChannel 1: let's do\n\nChannel 0: is\n\nChannel 1: that. Yep.\n\nChannel 0: yeah. And like I said, you can cancel whenever you want to. So even\n\nChannel 1: Okay.\n\nChannel 0: if, let's say, I put together all of this advice for you, which only takes about a week or so for me to do, then at least you have a lot more on this, and then you can go following that. I know that there's additional fees for me to do that. That's just part of that ongoing advice that stays exactly\n\nChannel 1: Ongoing\n\nChannel 0: the same.\n\nChannel 1: at Boston. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: completely fine.\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: So it's not like additional fees. And after that conversation, if you go, nope. Don't want it. That's fine.\n\nChannel 1: Okay. Yep.\n\nChannel 0: And then we can kind of take it from there. Does that sound okay, Nathan?\n\nChannel 1: Yeah. Yeah. Perfect. Yep.\n\nChannel 0: Yes.\n\nChannel 1: And I've seen that\n\nChannel 0: Yeah.\n\nChannel 1: monthly adviser fee come out anyway, so that previously,\n\nChannel 0: Yes.\n\nChannel 1: so that's fine. Yep.\n\nChannel 0: Yes. Okay. Perfect. So what I will do just so that I can obviously tailor everything for you is I will just go through just a bit of an updated fact line with you just so I have all the correct and up to date information\n\nChannel 1: Sure.\n\nChannel 0: that I can then base it on. So kind of bear with me here. Now, obviously, things may have changed a little bit from when you did your last interview. So I will just go through what I have here and see what's changed. So, obviously, personal information, still married with three financial dependents?\n\nChannel 1: Sorry. Sorry. Married. Did you say three dependents?\n\nChannel 0: Three financial dependents?\n\nChannel 1: Yes. Yes. Got got\n\nChannel 0: Yes.\n\nChannel 1: three\n\nChannel 0: Yep.\n\nChannel 1: good now.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now next up, Ken. So in the event that something happens to you and we can't get in touch with yourself, I have Jessica nominated. Is that still the case?\n\nChannel 1: Yes. Yes. Correct. That's the y.\n\nChannel 0: Yep. Yep. Perfect. And her phone number hasn't changed in the last twelve months. It still ends in at 203?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Okay. Perfect. Now, obviously, I have here that you were early education teacher, but right now, stay at home dad, which is beautiful. When did you last stop working?\n\nDid you say? Was that March?\n\nChannel 1: Yeah. It was, like, the March 9, I think it was. So\n\nChannel 0: Okay.\n\nChannel 1: that that pay week would have been the last contribution.\n\nChannel 0: Yep. Perfect. Okay. Now and financially, are you guys obviously managing everything okay without your income and\n\nChannel 1: Yeah.\n\nChannel 0: stuff?\n\nChannel 1: Yeah. We we we\n\nChannel 0: Yep.\n\nChannel 1: can we can live off my wife's salary.\n\nChannel 0: Oh, great.\n\nChannel 1: I recently we I'm gonna get family tax benefit a now, which\n\nChannel 0: Mhmm.\n\nChannel 1: comes in fortnightly. It's not much\n\nChannel 0: Yes.\n\nChannel 1: because he's on a high income.\n\nChannel 0: Yes.\n\nChannel 1: But the plan for us at the moment is just to put that money into an account and not touch it and then see what we need\n\nChannel 0: Yep.\n\nChannel 1: to do with it at the end of next year come tax time.\n\nChannel 0: Yep. Okay. Perfect. That's good. Now asset wise, I have here","paragraphs":[{"sentences":[{"text":"Hi.","start":0.79999995,"end":1.12,"sentiment":"neutral","sentiment_score":0.057145893573760986},{"text":"Nathan speaking.","start":1.12,"end":2.02,"sentiment":"neutral","sentiment_score":0.0582980215549469}],"sentiment":"neutral","sentiment_score":0.0579139788945516,"channel":1,"num_words":3,"start":0.79999995,"end":2.02},{"sentences":[{"text":"Good morning, Nathan.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.3831702172756195},{"text":"This is Veronica from ITU Financial.","start":3.84,"end":5.7,"sentiment":"positive","sentiment_score":0.33640245099862415},{"text":"How are you?","start":5.7599998,"end":6.58,"sentiment":"neutral","sentiment_score":0.23130051791667938}],"sentiment":"neutral","sentiment_score":0.3218189092973868,"channel":0,"num_words":12,"start":2.8799999,"end":6.58},{"sentences":[{"text":"Yeah.","start":6.72,"end":7.04,"sentiment":"neutral","sentiment_score":0.2411797940731049},{"text":"Good.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.44362014532089233},{"text":"Yourself?","start":7.2799997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.31550800800323486}],"sentiment":"positive","sentiment_score":0.333435982465744,"channel":1,"num_words":3,"start":6.72,"end":7.7799997},{"sentences":[{"text":"I'm good.","start":8.16,"end":9.12,"sentiment":"positive","sentiment_score":0.5950022339820862},{"text":"Thanks.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.6164638996124268},{"text":"I had you booked in for a little bit of a catch up.","start":10.559999,"end":13.04,"sentiment":"neutral","sentiment_score":0.2373058142570349},{"text":"Is now still a good time for you?","start":13.04,"end":14.715,"sentiment":"neutral","sentiment_score":0.2336085308343172}],"sentiment":"neutral","sentiment_score":0.2816796749830246,"channel":0,"num_words":24,"start":8.16,"end":14.715},{"sentences":[{"text":"Yeah.","start":15.245,"end":15.485001,"sentiment":"neutral","sentiment_score":0.01898074895143509},{"text":"Yeah.","start":15.485001,"end":15.725,"sentiment":"neutral","sentiment_score":0.00678629893809557},{"text":"Just give me one","start":15.725,"end":16.525,"sentiment":"neutral","sentiment_score":-0.01745767379179597}],"sentiment":"neutral","sentiment_score":-0.007343941212942203,"channel":1,"num_words":6,"start":15.245,"end":16.525},{"sentences":[{"text":"Yeah.","start":16.475,"end":16.975,"sentiment":"neutral","sentiment_score":-0.036208149045705795}],"sentiment":"neutral","sentiment_score":-0.036208149045705795,"channel":0,"num_words":1,"start":16.475,"end":16.975},{"sentences":[{"text":"second.","start":16.525,"end":16.845,"sentiment":"neutral","sentiment_score":-0.06584635376930237},{"text":"I've just got another phone call on hold.","start":16.845,"end":19.485,"sentiment":"neutral","sentiment_score":-0.1932438425719738},{"text":"I'll just take I'll get rid of that one,","start":19.485,"end":21.425,"sentiment":"neutral","sentiment_score":-0.1363824721839693}],"sentiment":"neutral","sentiment_score":-0.15773551911115646,"channel":1,"num_words":18,"start":16.525,"end":21.425},{"sentences":[{"text":"Sure.","start":21.915,"end":22.415,"sentiment":"neutral","sentiment_score":-0.03964494168758392}],"sentiment":"neutral","sentiment_score":-0.03964494168758392,"channel":0,"num_words":1,"start":21.915,"end":22.415},{"sentences":[{"text":"and","start":21.965,"end":22.465,"sentiment":"neutral","sentiment_score":-0.03611468896269798}],"sentiment":"neutral","sentiment_score":-0.03611468896269798,"channel":1,"num_words":1,"start":21.965,"end":22.465},{"sentences":[{"text":"No","start":22.555,"end":22.795,"sentiment":"neutral","sentiment_score":-0.08963963389396667}],"sentiment":"neutral","sentiment_score":-0.08963963389396667,"channel":0,"num_words":1,"start":22.555,"end":22.795},{"sentences":[{"text":"I'll come","start":22.605,"end":22.925,"sentiment":"neutral","sentiment_score":-0.09472166746854782}],"sentiment":"neutral","sentiment_score":-0.09472166746854782,"channel":1,"num_words":2,"start":22.605,"end":22.925},{"sentences":[{"text":"worries.","start":22.795,"end":23.295,"sentiment":"neutral","sentiment_score":-0.11527333408594131}],"sentiment":"neutral","sentiment_score":-0.11527333408594131,"channel":0,"num_words":1,"start":22.795,"end":23.295},{"sentences":[{"text":"over to you.","start":22.925,"end":23.404999,"sentiment":"neutral","sentiment_score":-0.05794051910440127},{"text":"One second,","start":23.404999,"end":24.145,"sentiment":"neutral","sentiment_score":-0.020924484822899103}],"sentiment":"neutral","sentiment_score":-0.043134105391800404,"channel":1,"num_words":5,"start":22.925,"end":24.145},{"sentences":[{"text":"Sure.","start":24.715,"end":25.215,"sentiment":"neutral","sentiment_score":0.01302686333656311}],"sentiment":"neutral","sentiment_score":0.01302686333656311,"channel":0,"num_words":1,"start":24.715,"end":25.215},{"sentences":[{"text":"if I can work ahead and do that.","start":25.404999,"end":27.03,"sentiment":"neutral","sentiment_score":-0.006895082304254174}],"sentiment":"neutral","sentiment_score":-0.006895082304254174,"channel":1,"num_words":8,"start":25.404999,"end":27.03},{"sentences":[{"text":"If not, you can always call me back.","start":28.09,"end":30.109999,"sentiment":"neutral","sentiment_score":-0.07137303706258535}],"sentiment":"neutral","sentiment_score":-0.07137303706258535,"channel":0,"num_words":8,"start":28.09,"end":30.109999},{"sentences":[{"text":"Alright.","start":35.35,"end":35.83,"sentiment":"neutral","sentiment_score":0.008112366311252117},{"text":"Are you still there?","start":35.83,"end":36.89,"sentiment":"neutral","sentiment_score":-0.0089467812795192}],"sentiment":"neutral","sentiment_score":-0.005534951761364937,"channel":1,"num_words":5,"start":35.35,"end":36.89},{"sentences":[{"text":"Yeah.","start":37.129997,"end":37.449997,"sentiment":"neutral","sentiment_score":0.0011050887405872345},{"text":"Can you hear 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Ken.","start":850.24,"end":851.6,"sentiment":"neutral","sentiment_score":0.1329435110092163},{"text":"So in the event that something happens to you and we can't get in touch with yourself, I have Jessica nominated.","start":851.6,"end":858.66,"sentiment":"neutral","sentiment_score":0.06953622436239607},{"text":"Is that still the case?","start":858.8,"end":860.1,"sentiment":"neutral","sentiment_score":0.050287794321775436}],"sentiment":"neutral","sentiment_score":0.08169495349284261,"channel":0,"num_words":32,"start":848.72,"end":860.1},{"sentences":[{"text":"Yes.","start":859.825,"end":860.145,"sentiment":"neutral","sentiment_score":0.03996458649635315},{"text":"Yes.","start":860.145,"end":860.305,"sentiment":"neutral","sentiment_score":0.04702231660485267},{"text":"Correct.","start":860.305,"end":860.705,"sentiment":"neutral","sentiment_score":0.06995372474193573},{"text":"That's the y.","start":860.705,"end":861.525,"sentiment":"neutral","sentiment_score":0.062324258188406624}],"sentiment":"neutral","sentiment_score":0.05731890040139357,"channel":1,"num_words":6,"start":859.825,"end":861.525},{"sentences":[{"text":"Yep.","start":861.465,"end":861.78503,"sentiment":"neutral","sentiment_score":0.07033227384090424},{"text":"Yep.","start":861.78503,"end":862.185,"sentiment":"neutral","sentiment_score":0.103935144841671},{"text":"Perfect.","start":862.185,"end":862.685,"sentiment":"neutral","sentiment_score":0.24411310255527496},{"text":"And her phone number hasn't changed in the last twelve months.","start":862.745,"end":866.025,"sentiment":"neutral","sentiment_score":0.05884360826828263},{"text":"It still ends in at 203?","start":866.025,"end":868.445,"sentiment":"neutral","sentiment_score":0.033422814682126045}],"sentiment":"neutral","sentiment_score":0.06330985501408577,"channel":0,"num_words":20,"start":861.465,"end":868.445},{"sentences":[{"text":"Correct.","start":868.705,"end":869.205,"sentiment":"neutral","sentiment_score":0.054936833679676056}],"sentiment":"neutral","sentiment_score":0.054936833679676056,"channel":1,"num_words":1,"start":868.705,"end":869.205},{"sentences":[{"text":"Yep.","start":869.705,"end":870.10504,"sentiment":"neutral","sentiment_score":0.06525969505310059},{"text":"Okay.","start":870.10504,"end":870.425,"sentiment":"neutral","sentiment_score":0.14512276649475098},{"text":"Perfect.","start":870.425,"end":870.925,"sentiment":"neutral","sentiment_score":0.25422433018684387},{"text":"Now, obviously, I have here that you were early education teacher, but right now, stay at home dad, which is beautiful.","start":871.305,"end":878.57,"sentiment":"neutral","sentiment_score":0.23200017000947679},{"text":"When did you last stop working?","start":882.14996,"end":884.14996,"sentiment":"neutral","sentiment_score":0.004229454323649406}],"sentiment":"neutral","sentiment_score":0.1787329029291868,"channel":0,"num_words":30,"start":869.705,"end":884.14996},{"sentences":[{"text":"Did you say?","start":884.14996,"end":884.70996,"sentiment":"neutral","sentiment_score":-0.0021798983216285706},{"text":"Was that March?","start":884.70996,"end":885.52997,"sentiment":"neutral","sentiment_score":-0.0033279787749052048}],"sentiment":"neutral","sentiment_score":-0.0027539385482668877,"channel":0,"num_words":6,"start":884.14996,"end":885.52997},{"sentences":[{"text":"Yeah.","start":886.395,"end":886.635,"sentiment":"neutral","sentiment_score":0.007127588614821434},{"text":"It was, like, the March 9, I think it was.","start":886.635,"end":888.875,"sentiment":"neutral","sentiment_score":-0.0004765816032886507},{"text":"So","start":888.875,"end":889.03503,"sentiment":"neutral","sentiment_score":0.006143193691968918}],"sentiment":"neutral","sentiment_score":0.0007087471894919871,"channel":1,"num_words":12,"start":886.395,"end":889.03503},{"sentences":[{"text":"Okay.","start":888.965,"end":889.465,"sentiment":"neutral","sentiment_score":0.0053584277629852295}],"sentiment":"neutral","sentiment_score":0.0053584277629852295,"channel":0,"num_words":1,"start":888.965,"end":889.465},{"sentences":[{"text":"that that pay week would have been the last contribution.","start":889.03503,"end":891.695,"sentiment":"neutral","sentiment_score":-0.014864147268235683}],"sentiment":"neutral","sentiment_score":-0.014864147268235683,"channel":1,"num_words":10,"start":889.03503,"end":891.695},{"sentences":[{"text":"Yep.","start":892.485,"end":892.985,"sentiment":"neutral","sentiment_score":0.10242288559675217},{"text":"Perfect.","start":893.125,"end":893.605,"sentiment":"neutral","sentiment_score":0.21284037828445437},{"text":"Okay.","start":893.605,"end":894.105,"sentiment":"neutral","sentiment_score":0.08536244928836823},{"text":"Now and financially, are you guys obviously managing everything okay without your income and","start":895.765,"end":904.66003,"sentiment":"neutral","sentiment_score":0.06471100662435804}],"sentiment":"neutral","sentiment_score":0.07685763564179926,"channel":0,"num_words":17,"start":892.485,"end":904.66003},{"sentences":[{"text":"Yeah.","start":904.44,"end":904.68005,"sentiment":"neutral","sentiment_score":0.01581069827079773}],"sentiment":"neutral","sentiment_score":0.01581069827079773,"channel":1,"num_words":1,"start":904.44,"end":904.68005},{"sentences":[{"text":"stuff?","start":904.66003,"end":905.16003,"sentiment":"neutral","sentiment_score":0.01021872740238905}],"sentiment":"neutral","sentiment_score":0.01021872740238905,"channel":0,"num_words":1,"start":904.66003,"end":905.16003},{"sentences":[{"text":"Yeah.","start":904.68005,"end":904.84,"sentiment":"neutral","sentiment_score":0.013071134686470032},{"text":"We we we","start":904.84,"end":905.56,"sentiment":"neutral","sentiment_score":0.004574208830793698}],"sentiment":"neutral","sentiment_score":0.006698440294712782,"channel":1,"num_words":4,"start":904.68005,"end":905.56},{"sentences":[{"text":"Yep.","start":905.46,"end":905.96,"sentiment":"neutral","sentiment_score":0.008694993332028389}],"sentiment":"neutral","sentiment_score":0.008694993332028389,"channel":0,"num_words":1,"start":905.46,"end":905.96},{"sentences":[{"text":"can we can live off my wife's salary.","start":905.56,"end":908.06,"sentiment":"neutral","sentiment_score":0.24304273165762424}],"sentiment":"neutral","sentiment_score":0.24304273165762424,"channel":1,"num_words":8,"start":905.56,"end":908.06},{"sentences":[{"text":"Oh, great.","start":908.66003,"end":909.32,"sentiment":"positive","sentiment_score":0.6737526059150696}],"sentiment":"positive","sentiment_score":0.6737526059150696,"channel":0,"num_words":2,"start":908.66003,"end":909.32},{"sentences":[{"text":"I recently we I'm gonna get family tax benefit a now, which","start":908.84,"end":913.32,"sentiment":"neutral","sentiment_score":0.2237998110552629}],"sentiment":"neutral","sentiment_score":0.2237998110552629,"channel":1,"num_words":12,"start":908.84,"end":913.32},{"sentences":[{"text":"Mhmm.","start":913.235,"end":913.735,"sentiment":"neutral","sentiment_score":0.06679386645555496}],"sentiment":"neutral","sentiment_score":0.06679386645555496,"channel":0,"num_words":1,"start":913.235,"end":913.735},{"sentences":[{"text":"comes in fortnightly.","start":913.32,"end":914.30005,"sentiment":"neutral","sentiment_score":0.10428521285454433},{"text":"It's not much","start":914.675,"end":915.555,"sentiment":"neutral","sentiment_score":-0.02991850549976031}],"sentiment":"neutral","sentiment_score":0.037183353677392006,"channel":1,"num_words":6,"start":913.32,"end":915.555},{"sentences":[{"text":"Yes.","start":915.315,"end":915.815,"sentiment":"neutral","sentiment_score":0.02116139978170395}],"sentiment":"neutral","sentiment_score":0.02116139978170395,"channel":0,"num_words":1,"start":915.315,"end":915.815},{"sentences":[{"text":"because he's on a high income.","start":915.555,"end":917.095,"sentiment":"neutral","sentiment_score":0.05450522837539514}],"sentiment":"neutral","sentiment_score":0.05450522837539514,"channel":1,"num_words":6,"start":915.555,"end":917.095},{"sentences":[{"text":"Yes.","start":917.795,"end":918.295,"sentiment":"neutral","sentiment_score":0.11334659159183502}],"sentiment":"neutral","sentiment_score":0.11334659159183502,"channel":0,"num_words":1,"start":917.795,"end":918.295},{"sentences":[{"text":"But the plan for us at the moment is just to put that money into an account and not touch it and then see what we need","start":918.19495,"end":924.51495,"sentiment":"neutral","sentiment_score":0.02089235876445417}],"sentiment":"neutral","sentiment_score":0.02089235876445417,"channel":1,"num_words":27,"start":918.19495,"end":924.51495},{"sentences":[{"text":"Yep.","start":924.37,"end":924.87,"sentiment":"neutral","sentiment_score":0.011135024949908257}],"sentiment":"neutral","sentiment_score":0.011135024949908257,"channel":0,"num_words":1,"start":924.37,"end":924.87},{"sentences":[{"text":"to do with it at the end of next year come tax time.","start":924.51495,"end":927.2729,"sentiment":"neutral","sentiment_score":0.05367694222010099}],"sentiment":"neutral","sentiment_score":0.05367694222010099,"channel":1,"num_words":13,"start":924.51495,"end":927.2729},{"sentences":[{"text":"Yep.","start":927.64996,"end":928.05,"sentiment":"neutral","sentiment_score":0.13573305308818817},{"text":"Okay.","start":928.05,"end":928.45,"sentiment":"neutral","sentiment_score":0.32565993070602417},{"text":"Perfect.","start":928.45,"end":928.95,"sentiment":"positive","sentiment_score":0.759310245513916},{"text":"That's good.","start":929.08997,"end":929.91,"sentiment":"positive","sentiment_score":0.7975134551525116},{"text":"Now asset wise, I have here","start":931.57,"end":934.39,"sentiment":"neutral","sentiment_score":0.2333154914279779}],"sentiment":"positive","sentiment_score":0.3832384625619108,"channel":0,"num_words":11,"start":927.64996,"end":934.39}]},"summary":{"result":"success","short":"A representative from ITU Financial called Nathan to confirm his personal information and discuss his interview appointment. They addressed concerns about fees and emphasize the importance of managing risk properly to avoid unnecessary fees. The representative emphasizes the importance of reviewing investments and making sure everything is in the best position for the customer's situation. They also mention fees deducted monthly and suggest revisiting the investment strategy if the customer is unable to contribute. The speaker emphasizes the importance of making sure everything is in the best position for the customer's situation and goes over the financial information to determine if they are still managing everything and if they need to put money into an account."},"intents":{"segments":[{"text":"Now, Nathan, 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. Yes. Thank you. Yeah.","start_word":108,"end_word":140,"intents":[{"intent":"Confirm call record","confidence_score":0.0002529558}]},{"text":"As of March just gone this year, I have no income. I'm I'm physically the stay at home dad looking after two children whilst getting the third Mhmm. to go to school.","start_word":348,"end_word":379,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.00083727954}]},{"text":"If there's no contributions, at least for twelve to twenty four months, how can I minimize any potential loss from super?","start_word":461,"end_word":481,"intents":[{"intent":"Reduce potential loss","confidence_score":0.069527544}]},{"text":"How can I sort of keep the balance where it is if it's gonna have no contribution or Yep.","start_word":534,"end_word":552,"intents":[{"intent":"Maintain balance","confidence_score":0.08580214}]},{"text":"$25 or so if the war and the world hits, you know, wherever it's going. Yeah.","start_word":674,"end_word":689,"intents":[{"intent":"Discuss conflict and world","confidence_score":0.000028047365}]},{"text":"You're not getting contributions in through superannuation for twelve to twenty four months. If anything strengthens the need for making sure everything is set up the right way for you. Yeah. Yeah. Because like you said, obviously, you wanna make sure your Cucuba continues to grow. But to do that as well, you want to have that kind of active management to your investment becomes it comes even more important to manage everything in Yeah.","start_word":726,"end_word":800,"intents":[{"intent":"Establish fund governance","confidence_score":2.00007e-7}]},{"text":"The market will rebound, but it was just Mhmm. more worrying that if I can't contribute to it to offset some of that. Yeah. Yeah. And look.","start_word":1191,"end_word":1217,"intents":[{"intent":"Evaluate market impact","confidence_score":0.00012758597}]},{"text":"the strategy and the advice will become very important to make sure everything is set up correctly to negate that, which we always So if wanna we focus do on.","start_word":1393,"end_word":1422,"intents":[{"intent":"Set up strategy and advice","confidence_score":0.08041701}]},{"text":"if we do the annual review, which was ready and due to be done, Yes.","start_word":1422,"end_word":1436,"intents":[{"intent":"Do annual review","confidence_score":0.11530949}]},{"text":"that means, though, because the fee is not currently on, is that we can't obviously do the management of your investments. If you look to wanna make changes, make sure everything is set up for you. So Yep.","start_word":1472,"end_word":1509,"intents":[{"intent":"Manage investments","confidence_score":0.35633174}]},{"text":"obviously, you having a bit of fluctuations. Also assessing whether that high risk is still suitable or whether you want to potentially look at reducing the risk a little bit.","start_word":1555,"end_word":1584,"intents":[{"intent":"Reduce risks","confidence_score":0.011146326},{"intent":"Decrease risk","confidence_score":0.001752817},{"intent":"Evaluate and improve risk","confidence_score":0.0003264922}]},{"text":"I would do advice and put together a strategy that based on your current situation is going to be the best for you and then kind of see what you think about it.","start_word":1629,"end_word":1661,"intents":[{"intent":"Set up strategy for future use","confidence_score":0.000006265353}]},{"text":"I logged But into it the other day, and it still says that the insurance is active and and okay. that the op the insurance opt in is there. Beautiful.","start_word":1743,"end_word":1772,"intents":[{"intent":"Log in to form","confidence_score":0.00403368}]},{"text":"I'll let's say we'll do some advice, some different strategies, making sure things are correctly positioned, especially with today's market condition and everything like that for you.","start_word":2118,"end_word":2144,"intents":[{"intent":"Guide management decisions","confidence_score":0.0000016690617}]},{"text":"So it's not like additional fees. And after that conversation, if you go, nope. Don't want it. That's fine. Okay.","start_word":2494,"end_word":2513,"intents":[{"intent":"Clarify fees and information","confidence_score":0.00060225656}]},{"text":"So, obviously, personal information, still married with three financial dependents?","start_word":2645,"end_word":2654,"intents":[{"intent":"Obtain personal information","confidence_score":0.02702401},{"intent":"Clarify personal information","confidence_score":0.039752472}]},{"text":"And her phone number hasn't changed in the last twelve months. It still ends in at 203? Correct.","start_word":2718,"end_word":2735,"intents":[{"intent":"Clarify contact information","confidence_score":0.0012859406}]}]},"sentiments":{"segments":[{"text":"Hi. Nathan speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05807291343808174},{"text":"Good morning, Nathan.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3892046511173248},{"text":"This is Veronica from ITU Financial. How are you? Yeah.","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.2896673381328583},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.44362014532089233},{"text":"Yourself?","start_word":17,"end_word":17,"sentiment":"neutral","sentiment_score":0.31550800800323486},{"text":"I'm good. Thanks.","start_word":18,"end_word":20,"sentiment":"positive","sentiment_score":0.6003658771514893},{"text":"I had you booked in for a little bit of a catch up. Is now still a good time for you? Yeah. Yeah. Just give me one Yeah. second. I've just got another phone call on hold. I'll just take I'll get rid of that one, Sure. and No I'll come worries. over to you. One second, Sure. if I can work ahead and do that. If not, you can always call me back. Alright. Are you still there? Yeah. Can you hear me? Yep. Perfect. Yeah. Now, Nathan, 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. Yes. Thank you. Yeah. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. So it's Nathan David Morge, 01/17/1989. And was it address, was it? Sorry. Mhmm. Yes, please. Yep. Unit 1 Of 121 George Street, East Maitland, New South Wales 2323. Yep. Beautiful. And how's your morning been so far? I've been busy or just getting started? Yes. Three kids, you know, just getting No. up doing doing the housework. Full You seem on. to clean the house about 10 times a day. So I can imagine. Now, Nathan, I have you booked in. We were actually in the process of trying to book in for your interview as well, which is coming up. But I also noticed that you obviously spoke to my colleague, Jack, a few days ago and had some concerns in regards to fees or not working for a little while. Is that correct? Yeah. I was simply reaching out to say, hey. Look. Over the last couple of years, I've really just worked a few part time jobs because I'm I'm mainly the stay Mhmm. at home parent. Mhmm. As of March just gone this year, I have no income. I'm I'm physically the stay at home dad looking after two children whilst getting the third Mhmm. to go to school. Mhmm. So my suit is gonna have no contributions Yep. for at least twelve months, possibly up to twenty four months. Mhmm. And I know that it has performed reasonably well given that it it took a quite a large hit last year. It seems to have recovered all that, Mhmm. plus with, like, the fees and everything on top charge as well. So it seems to be back to sort of where it was, but I'm just Yep. concerned look. If there's no contributions, at least for twelve to twenty four months, how can I minimize any potential loss from super? So I was just thinking in my head, you know, do I do I change the way it's invested? Do I change where it is? Do I Mhmm. stop the do I stop the advisory fee, which is obviously a large chunk? Like, there was all these things going in my head. How can I sort of keep the balance where it is if it's gonna have no contribution or Yep. minimize what do you call it? Minimize loss. Because Yep. I I Yep. I can't without having contributions going in, I can't sort of make up some of that loss. But then I was playing around with the hub the other day as well and also Mhmm. looked at the through your super through hub, you can buy into term investments. So I thought, oh, that might be an option too because Mhmm. you're guaranteed, obviously, a certain amount of money that you can't lose on. So I I don't know. I don't have the answers. I've never done this before, but I just wanna obviously Yep. don't wanna Have see a that good balance chat. go down by another Yeah. $25 or so if the war and the world hits, you know, wherever it's going. Yeah. And and that totally makes sense. And there are a couple of, obviously, factors to consider. I would say if anything, you not working or not obviously, you're working, but different. Not getting Yes. contributions. Yes. You're not getting contributions in through superannuation for twelve to twenty four months. If anything strengthens the need for making sure everything is set up the right way for you. Yeah. Yeah. Because like you said, obviously, you wanna make sure your Cucuba continues to grow. But to do that as well, you want to have that kind of active management to your investment becomes it comes even more important to manage everything in Yeah. the right way, especially with all the market conditions and everything like you like you touched on as well. So, obviously, the last twelve months have been a bit of turbulent, obviously, with the market as well. Obviously, you had everything in The US and Trump and tariffs and, obviously, the war and everything. So kind of the need for the active component becomes even more important with contributions not going in because that could also obviously change the trajectory of how everything was planned for you. So, Yeah. Yeah. obviously, the the choice is ultimately completely up to you. But what I would suggest would be the the best way would be for me to do, obviously, if you are happy with that, would be for me to kind of do a full reassessment of everything for you. So kind of No. go through the annual review, go through your investments, your risk profile, and specifically look at those investments because, yes, obviously, super is long term. So you will have some short term fluctuation. For the time being, you cannot until you meet a condition of release, which often is, like, 60 and not working. So you obviously still have plenty of time, so the need for your money kind of growing and compounding is still there. Now, obviously, you will have, like, you've touched on fees coming out, but it is important to manage that it continues to be invested the right way to negate fees as well. So, obviously, Yeah. even Yeah. though you don't have contributions going in, your money is invested correctly And, obviously, depending on market conditions and diversified in the right way will continue to go up because it's invested as long as, obviously, the investment is correct, managing your risk and everything like that. It's like that's the the important part, especially when you don't have contributions going in. Does Yeah. that Yeah. make sense, Nathan? Absolutely. That that's how I was kinda explaining it in my mind. And I was just like, Yes. well, you know, when I when I when I took a big it is in, like, a a high risk, I think, or high growth at the moment. Correct. Yes. And when it's taken a big dip, I'm like, okay. That's fine. There's there's contributions going in. The market will rebound, but it was just Mhmm.","start_word":21,"end_word":1199,"sentiment":"neutral","sentiment_score":-0.011248178174205762},{"text":"more worrying that if I can't contribute to it to offset some of that.","start_word":1200,"end_word":1213,"sentiment":"negative","sentiment_score":-0.5259891152381897},{"text":"Yeah. Yeah. And look. It's not a large balance. It's it's Mhmm. it's it's a healthy balance, but it's not Yeah. I don't know where it should be given my age, but I I need to I don't wanna see it drop back down to a 100 and then have to try and claw back that extra 25 again. So I've done that almost twice now Yeah. with, like, COVID and and so Yes. Has been has been a little bit going on in the market, hasn't it? yeah. So I'm just trying to protect myself Of a little course. bit, and I don't have the answers. So I thought I'd give you guys Yeah. a call because you've had it for the Yep. last, I think, three or four years. Yep. So, again, choice is completely up to you. If if you would be happy to sorry. With, obviously, our advice fees and as well, I understand, obviously, that is that will continue to come out of your account even if you're not contributing. But then Okay. the strategy and the advice will become very important to make sure everything is set up correctly to negate that, which we always So if wanna we focus do on. if we do the annual review, which was ready and due to be done, Yes. how how is that still paid for? How is it like So for the time being, right now, your fee has just turned off. Okay. So it turned off on the July 5. What Right. that means, though, because the fee is not currently on, is that we can't obviously do the management of your investments. If you look to wanna make changes, make sure everything is set up for you. So Yep. to make sure, obviously, especially in your situation right now, it is obviously very important because you haven't really had a new kind of research with in-depth with investments. That is something I would like to do for you, especially given your situation of, Yeah. obviously, you having a bit of fluctuations. Also assessing whether that high risk is still suitable or whether you want to potentially look at reducing the risk a little bit. Mhmm. Still, obviously, by doing it, though, long term, you may have less growth, but you can have a little bit less fluctuations at least in the interim while you are not getting those contributions. So it would kind of be a full reassessment. I would do advice and put together a strategy that based on your current situation is going to be the best for you and then kind of see what you think about it. What's also important is because you have MRSA, the former BT super for your insurances, Yes. with that, if you do not have contributions going in through the funds for about sixteen months and you have not completed an opt in form, they call it, to keep the insurances, they I did can I be did do that. Yep. you did. Okay. Yep. Amazing. Because otherwise, there could be a risk of those lapsing, which we do not want. Yeah. No. I logged But into it the other day, and it still says that the insurance is active and and okay. that the op the insurance opt in is there.","start_word":1214,"end_word":1771,"sentiment":"neutral","sentiment_score":-0.02643326514043368},{"text":"Beautiful.","start_word":1772,"end_word":1772,"sentiment":"positive","sentiment_score":0.4213540554046631},{"text":"It's Yep. it's only got about $12, and it it simply just pays for the insurance, but it's it's managed to still grow a little bit even after paying all the insurances and fees. So that's that's not too bad. Yeah. No.","start_word":1773,"end_word":1814,"sentiment":"neutral","sentiment_score":0.10702141267912728},{"text":"That's really good. Okay. That's good.","start_word":1815,"end_word":1820,"sentiment":"positive","sentiment_score":0.5531322360038757},{"text":"Because that would be my big concern is if depending on how much money you have in there and then also that opt in if you don't have contribution. So that at least is good that those would kind of Yeah. So if I do the review stay. again, Mhmm. just just Yep. so I'm I'm clear, how Yes. much does that cost? Sorry. The review itself obviously doesn't cost anything, Yep. but it would be obviously, in order for me to do it's not really the review. It's more for doing all the advice and everything after that and review for you and making sure we have, you know, strategies and stuff that puts you in the best position. We Yep. would obviously need the the fees turned back on. Now Okay. how the fees work is it is a ongoing service agreement. The fee Yep. percentage stays the same. So it's not increasing, obviously, or despite all the increase in inflation, everything like that, it is not changing. So it's staying Okay. exactly the same at 1.65. Now the one thing I do wanna stress to you is that it is not a one year fee. Right? Right. So it is deducted on a monthly basis for you. So Yep. even if you were to say, okay. Let's do a full reassessment. Let's do advice just to see where everything's at. You can still, at the end of it, decide, do you know what?","start_word":1821,"end_word":2066,"sentiment":"neutral","sentiment_score":0.05484951287508011},{"text":"No.","start_word":2067,"end_word":2067,"sentiment":"negative","sentiment_score":-0.3494056463241577},{"text":"I'll just leave it the way things are, and I'm not interested anymore, and we could then just remove the fee. It's not like you're locking in through a twelve month period. It is deducted Okay. from your account on a monthly basis. So even if you go, okay. I'll let's say we'll do some advice, some different strategies, making sure things are correctly positioned, especially with today's market condition and everything like that for you. And let's say you you go, okay. Let's give it a couple of months and see how things go. And let's say, you know, after two months, you go, you know what? I changed my mind.","start_word":2068,"end_word":2179,"sentiment":"neutral","sentiment_score":0.013612627983093262},{"text":"I just don't want it anymore.","start_word":2180,"end_word":2185,"sentiment":"negative","sentiment_score":-0.4617103040218353},{"text":"You can just Mhmm. call us and say, hey. I do no longer wish to stay on. So it's not like you are committing to a twelve month period. Okay. Every twelve Yep. months, you have to sign because otherwise, you can't keep charging you. So you have to do a bid, doesn't mean you are locked into a twelve month period. Does that make Yeah. sense? Yeah. That that's completely fine. Well, I think I think we should Yeah. definitely do that, and then we can get some ideas and then and go Yeah. from More there. clarity. I think Yeah. so, sir. And especially with everything that we have, we wanna make sure, especially with the investments. Like you said, obviously, things have come back to even between, like, the last twelve months and three months. We have seen a bit of a you know, things coming back, which is good. But I want to kind of go into those investments in a little bit more in-depth just to see if there is because there is one that is slightly underperforming at the moment and that I would like to look at changing for you. Okay. Alright. But what Well, I let's what Yeah. yeah. Yeah. So what I Let's will do let's do is that. Yep. yeah. And like I said, you can cancel whenever you want to. So even Okay. if, let's say, I put together all of this advice for you, which only takes about a week or so for me to do, then at least you have a lot more on this, and then you can go following that. I know that there's additional fees for me to do that. That's just part of that ongoing advice that stays exactly Ongoing the same. at Boston. No. That's Yeah. completely fine. Correct. Yep. So it's not like additional fees. And after that conversation, if you go, nope. Don't want it. That's fine. Okay. Yep. And then we can kind of take it from there. Does that sound okay, Nathan? Yeah. Yeah. Perfect. Yep. Yes. And I've seen that Yeah. monthly adviser fee come out anyway, so that previously, Yes. so that's fine. Yep. Yes. Okay.","start_word":2186,"end_word":2555,"sentiment":"neutral","sentiment_score":0.034479500997710875},{"text":"Perfect.","start_word":2556,"end_word":2556,"sentiment":"positive","sentiment_score":0.433904230594635},{"text":"So what I will do just so that I can obviously tailor everything for you is I will just go through just a bit of an updated fact line with you just so I have all the correct and up to date information Sure. that I can then base it on. So kind of bear with me here. Now, obviously, things may have changed a little bit from when you did your last interview. So I will just go through what I have here and see what's changed. So, obviously, personal information, still married with three financial dependents? Sorry. Sorry. Married. Did you say three dependents? Three financial dependents? Yes. Yes. Got got Yes. three Yep. good now. Yep. Yes. Yep. Perfect. Now next up, Ken. So in the event that something happens to you and we can't get in touch with yourself, I have Jessica nominated. Is that still the case? Yes. Yes. Correct. That's the y. Yep. Yep. Perfect. And her phone number hasn't changed in the last twelve months. It still ends in at 203? Correct. Yep. Okay. Perfect. Now, obviously, I have here that you were early education teacher, but right now, stay at home dad, which is beautiful. When did you last stop working? Did you say? Was that March? Yeah. It was, like, the March 9, I think it was. So Okay. that that pay week would have been the last contribution. Yep. Perfect. Okay. Now and financially, are you guys obviously managing everything okay without your income and Yeah. stuff? Yeah. We we we Yep. can we can live off my wife's salary.","start_word":2557,"end_word":2826,"sentiment":"neutral","sentiment_score":0.08540893108756453},{"text":"Oh, great.","start_word":2827,"end_word":2828,"sentiment":"positive","sentiment_score":0.6737526059150696},{"text":"I recently we I'm gonna get family tax benefit a now, which Mhmm. comes in fortnightly. It's not much Yes. because he's on a high income. Yes. But the plan for us at the moment is just to put that money into an account and not touch it and then see what we need Yep. to do with it at the end of next year come tax time. Yep. Okay.","start_word":2829,"end_word":2898,"sentiment":"neutral","sentiment_score":0.08122681826353073},{"text":"Perfect. That's good.","start_word":2899,"end_word":2901,"sentiment":"positive","sentiment_score":0.786034882068634},{"text":"Now asset wise, I have here","start_word":2902,"end_word":2907,"sentiment":"neutral","sentiment_score":0.27229124307632446}],"average":{"sentiment":"neutral","sentiment_score":0.015898097558324793}}}}