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Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here. Did you guys get a lot of rain yesterday as well? Yeah. Yeah. Yeah. Us too. It was a bit crazy. Yeah. We're up in Southport, and it was just mayhem. When everyone left work about six or so, it was just crazy. So a little bit better today. Now, Lucy, before I kind of jump into the interview, I do like to start by asking if there is anything specific you are hoping to get out of their review today or any areas you would like me to focus on, whether it's just a bit of an catch up to see what's happened in the last twelve months. Okay. Yeah. So with network login, we can't I can't call for you and request it because of security. So, unfortunately, you do have to call them. But, yeah, definitely do so you can get access to your Networks so you can see your super and, you know, how everything is going as well. But, yes, unfortunately, you just have to call them just for security on your behalf of our first. In regards to the forms, yes. So that would be your Netwealth and your Neos insurance beneficiary form. So that is in the event that something ever woulda happened to you. Do you still have those form, or would you like us to send them out again? Yes. Perfect. And do you prefer by post or email? Do you have access to a print, sir? Emails. Okay. Perfect. That way, it's in your inbox as well if you do ever lose them. Do you know who you would like to nominate? Okay. Yep. And your children, are they 18? Yeah. Okay. So if something were to happen, because there are different rules in regards to who you can nominate in terms of who's actually eligible, but then also from a tax point of view. So if you nominate a spouse, it is tax free. So all of it will be tax free if something were to happen. For children, if it's under 18, unless disabled or in a, like, a university, they so under that, completely tax free. Over 18, they can be taxable up to 32%. Yeah. So something to keep in mind, obviously, when if it's down to 18 at the moment, that's all good. If something were to happen, it would all be tax free. But I do like to just mention it as well because sometimes that can sway how you want to nominate knowing that it's always tax free. Mhmm. No. It's tax free. Tax free. Completely tax free. Yeah. The only thing is with the children 18 versus 18, but to your spouse, it's always tax free. Yep. I will get the team to email those out to you and get that sorted. While we are talking about outstanding, I can also see that your ID that we have on file has expired. Did you okay. Perfect. Even if you could if you could send a photo of the front and the back of the license, that would be great, and you can even just on. Yeah. Okay. Okay. Yeah. Of course. Yeah. No. That's all good. Just hang how I'll just hold off until that you get that new one even when you send through the beneficiary forms. If at that time you wanna send it all in one go, that is no problem. I'll make a little note of that. Otherwise, what I might do is just run through a bit of a fact find with you first there, Lucy, just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice. So kind of bear with me as I go through this information. Now when it comes to personal information, I have you down here as married with two financial dependents. Yep. Perfect. And next up, can I have Daniel nominated? That's still the case as well? Beautiful. And phone number hasn't changed, still ends in 021? Yep. Perfect. Now when it comes to employment, last time we spoke to you, you were on maternity leave. Are you still on maternity leave, or are you back working? Okay. Yep. And what do you do at the moment? Yeah. And when did you go back to that? Yep. And how are you finding the transition? That's good. Yeah. Oh, that's great. Because it definitely can always be a bit of a bit of a translation. Sorry. Sorry. That's really good. And do you work full time? Yep. Is it on a full time contract with, like, a transition period or a part time contract? Yep. And was that what you were kind of doing before maternity leave as well? Yep. Okay. Perfect. And who's your employer? Okay. Beautiful. And income wise, do you know what it's currently on a yearly basis? Yes. One thirty. Do you think you will move to five days or for the time being, just happy with four? Yeah. Yes. Okay. Perfect. So 96. And your employer, do they pay you just that standard twelve percent contribution into Super, or do you have a yeah. Okay. Amazing. Yep. Otherwise, when it comes to expenses and savings, is that something you guys keep an eye on? Do you know if you guys are saving anything on a weekly, monthly, or fortnightly basis? Mhmm. Yep. Oh, that's good. Perfect. And aside from employer contributions, you don't make any additional contributions to you? No. And when it comes to assets and liabilities, I can see here that last time we spoke to you, you had your property, but you were renting it out at the moment. Is that still an investment property, or are you guys back in there? Okay. And I do have it valued at about 800,000. Oh, wow. That's nice. And I do have mortgage at about $5.40. Yes. Yep. And otherwise, are you guys yeah. You're renting elsewhere for the time being? Okay. Yep. Perfect. And other assets, I have a motor vehicle right at about 40,000. Yep. And owing about 7. Okay. Perfect. Offset account about 5,000. 46. Perfect. And, also, a investment portfolio where you have a 50% ownership of about 10,000. Yeah. Especially the last twelve months, I've definitely seen a bit of fluctuations in the market with everything going on in the world. Okay. I am. And is that something you guys just set up and manage yourself? Okay. Mhmm. Mhmm. Mhmm. Okay. And who owns the other half? Okay. If it is something that you guys want us to manage or look at for you, just let me know because we can always have a look at it. Obviously, if we do manage it, there will be, like, management fees associated with it, but we can always do research on different options depending on what it is that you would want to achieve. Obviously, if you do own it with your husband, he would have to be involved in that process as well. Okay. But it is something we do do a lot for clients, the different personal investments, investment bonds, whatever it might be. So just have a think about it if it is something at any point that you would like us to review for you. It depends on which options you want to do. So some some investment options, depending on what we would look at, there is about 20,000 minimum. There is some accounts that's a lot lower. Some is just like a thousand, a couple of thousand. So it there are options for a smaller balance. So it kind of depends on what you guys are wanting, and that would then steer me into which direction. So what type of accounts to look at, if that makes sense. So it's not too too little to look at. 12,000, that's still a decent amount. Yeah. Obviously, have a think about it, have a chat to your husband too. And if it is something you would like us to look at, just give me a send me an email or give me a call, and we can always book in a bit of a catch up to have a look at that for you. Yeah. Otherwise, do you also have some employee shares for about $350? Yeah. Okay. Oh, okay. That disappeared. Yeah. Yeah. Do you have any other new assets or liabilities or anything in the last 12? Yep. Nice. Oh, yeah. Oh, nice. Oh, that's exciting. Is that local or interstate? Yes. Ah, yeah. Perfect. And do you know how much the land is valued at right now? Like, obviously, because you haven't started building or what you bought it for, basically. $2.50. And do you have an estimate for when it's completed? Alright. Yep. And rough value of when you have the house on top of the land? Got $6.80. Okay. One completed. And how much do you have on the mortgage? Mhmm. Yep. $5.08 when it's, like, completed. Yep. Okay. Perfect. Any other changes? No. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case? Yep. Perfect. And have you had any changes to your health or any injuries or anything in the last twelve months? Nope. Perfect. And do you have private health insurance? Yep. And that is hospital as well? Yep. Perfect. Estate planning wise, we've already kind of touched on the beneficiaries. But, otherwise, do you guys have a will or power of attorney in place or anything like that? No. That's okay. Do you know someone that you guys would have a talk through, or would you like us to send you some brochures and some pricing of a firm that we work with and how much they would charge for a will and stuff. You know someone? Okay. Amazing. Perfect. Otherwise, when it comes to kind of goals, stuff that you are working towards, at annual review time, it is good to to always have a bit of a reassess to be like, okay. What happened in the last twelve months? What were we goal? How were we tracking? And what are we trying to focus on moving forward? So I can say here that the goal was through buying a property, which you guys did, obviously, so that is really good. Is there anything else that you are working towards that you're kind of wanting to achieve in the next twelve months? Obviously, the build is obviously a bit of a thing. Mhmm. Yep. Yep. Perfect. Yeah. Well, especially being so new with the investment property and everything is comes in and you get it rented out, and you can kind of get an, you know, gauge of where things are at. Yep. Perfect. Anything else? No. That's all good. Yep. Mhmm. No. Not with Netwealth because often obviously, you can never guarantee anything. But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other companies as well. But then often as well, it's it's structured and managed very differently. So if anything were to happen to Netwealth, like, you still have investments in a lot of different investments that we could just transfer to somewhere else. So if something ever were to happen, it's, like, not your money sitting with Netwealth. It is sitting in a range of different investments. So it's not like a managed portfolio managed by Netwealth. We manage the portfolio for you, and you are then invested in a lot of different, like, ETFs and different options. So it does kind of spread all of that very differently through then, for example, with Colonial First State. If you've ever looked up the super account, for example, or any other industry funds, really, a lot of the investments are, like, a managed fund with them that they manage. So you don't really know what's in it or how that's all spread out because it's obviously there. Things that you can't actually see what those individual investments are. But with Netwealth, it is structured very differently. And we also we can also have a look at your risk and stuff and see how you feel about things. But in terms of, obviously, anything major have net net wealth is massive and how your super is invested in the different investments do spread that very differently. But it is a valid concern, especially when you do hear a lot of things everywhere and especially in the market and stuff the last twelve months. So I do completely understand understand that, but it is spread out very differently. And, yeah, you're not invested in net wealth. You are invested in a lot of different investments. It's just kind of the bank account that holds your super, basically. Does that make sense? Yes. But with talking about your superannuation, though, because you are currently invested in an aggressive portfolio. So, obviously, kind of very high risk but reward as well because you do have plenty of time until retirement. So what I might do is just run through just a a short version of a risk profile questionnaire just to see if anything has changed with your risk tolerance, if we need to make any changes. Think about it is obviously long term for your superannuation as well. If it doesn't make sense, just let me know. Now have you ever bought direct shares? Do you know if you have direct shares with your investment account, or is it mainly life managed funds or ETFs? Managed funds. Yep. Perfect. And at the moment, are you still kind of planning on retiring at 60 when you can access your super, or do you think you'd wanna work a bit longer? Yeah. Perfect. And I do have here that, ideally, you'd love to draw a weekly income of about $1,200 per week. Do you think that would still be a a good amount? No. How much do you 1,500? Yep. Perfect. That is, to be fair, what most people say as well. It kind of ranges between 1,000 and 2,000 depending on, obviously, your lifestyle. Yep. Yep. And often as well, most people's goal is, well, by the time you retire, ideally, have your property paid off so that you don't have, like, the mortgage, and then it would just be kind of other expenses and stuff to worry about. But I will just change it to that 1,700. Otherwise, when it comes to how much risk you're willing to take for your superannuation, would you say that you are happy to accept very high risk, high, moderate, or a small amount of risk for your super? Okay. And if you had to choose one, which one would you lean more towards? Very high? Yep. Perfect. And in terms of volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. So not, like, one particular investment that's gone bad, just kind of the market as a whole. Would you if you have yeah. Yeah. Exactly. So would you say that if you had the option to do so, you would think that now is potentially a good time to invest a little bit more while the prices are down? Would you kind of be, yeah, and would you invest heavily or modestly if you had the option to do so? Yep. Okay. Perfect. And next is in regards to fluctuations. But if you did see fluctuations in any investments, would you say that would make you feel optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious? Okay. Yes. Yep. Yeah. No. That's that's perfect. And last is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yep. Yep. Yeah. Bit of tax deductions there. Yeah. And, also, obviously, with the investment properties, when you guys do do your tax return for everything with that as well, you should see do some nice deductions as well. And now, Lucy, that tells me here that you have come out as a aggressive investor, which is the portfolio we have you invested in. Are you still quite comfortable, for the time being anyway, with kind of being in an aggressive portfolio? Yep. Amazing. And do you have access to your emails at the moment? Yep. Okay. Perfect. So what I have done is I have just sent you an email with some documents to go through, which gives you a bit of an update on super and insurances as well for you. Hopefully, you can soon get into your net worth, and you can look at it during during as well. But did that one come through okay for you? Yep. Perfect. Yep. So, actually, before because we have recently changed the software. So it used to be you click on the link and you see everything. Now it's kind of changed. So if you before you click on the link, so if you go back to the email, you should see a couple of attachments first at the bottom of that email. Can you see those? Yep. Now can you see one where it says 2025 Vanguard index chart? Yep. Perfect. If you wanna open that one for me. Now you may have seen some seen something like this before, and especially with knowing a little bit about the market, but it is a good visual representation of what we are talking about when we are talking about the market. And you can kind of see here that it goes back to 1995 through to 2025, and Vanguard does publish this every year, which is good. But it does kind of show you that long term approach that you touched on as well. Long term market always goes up. Short term, there will be some ups and downs and market fluctuations. Yep. And when it comes to, obviously, how your money is invested in that aggressive portfolio, we typically see about between, like, 90 to a 100 in your growth investments. So that will be, like, your top four here that you can see, The US shares, Australian shares, international shares, property, and then around five or so in those defensive. Limit fluctuations a little bit, but the goal is to grow it as much as possible while you do have plenty of time at your retirement. Yep. Does that all make sense so far? Yep. Perfect. Now what is the next document that you can see on your end just to make it easier? Yes. So if you can open that one for me. No. Let me just do it here on my side as well. So this one here, it's just taking a while for me to open it, gives you a breakdown of your investments and your portfolio in Netwealth in the last twelve months. So we've kind of already touched on that. Obviously, the market has seen a bit of fluctuation in the last twelve months. First, obviously, everything in The US did see a bit of movement with Trump and tariffs and everything and also more recently in the war. So we have seen quite a bit of fluctuation. And despite all of that, though, your portfolio has still done pretty decent given what's happened in the market and also given that we are in an aggressive portfolio, which short term, you will see a bit of fluctuation. So you can actually see all the individual investments here. Now I do wanna also point out that did you get our email in regards to the investments which we did for you around the March 13? It was okay if you didn't. Yep. Okay. Perfect. No. That's okay. So what it was is it was just for your reference. So it was a record of advice. It wasn't something you had to sign, but it was just your reference. So, obviously, part of the ongoing portfolio management and investment oversight, we do a lot of research all the time on the investment. And if we ever kind of foresee that is one investment that is kind of underperforming a little bit or not going to our expectations or if we find better options that's going to put you in a better position moving forward, we then wanna make sure that we are proactive in that approach and then make changes. So, basically, what that record of advice was was to let you know that we have made one change for you. Just one change, but the one that we did make, which you can see here was the one that was underperforming a little bit, and that was your Benelon Australian equity fund. That one is a a managed fund, so there is through the goal for them is to try to actively buy and sell different investments in order to try to outperform the market. They had done really well, and they were one of the best performing fund managers as well. But more recently, they've kind of been underperforming a little bit been a little bit slower in their approach. And after doing a little research, we found another option that was going to be better for you. So we have swapped it for the BetaShares Australia two hundred. You may have heard of that one. Yep. Sorry. That was literally what that record of advice was. So moving forward as well, you should see a little bit more even though you're an aggressive portfolio, there's still some fluctuations. But the beta share of 200, it is tracking the index of the 200 largest companies. So, obviously, as the company grows, it gets added to the ETF. Something smaller comes out. Still gives you good, well rounded diversification, but not that same kind of frequent active in buying, selling, and which can come at a little bit more of a cost as well. And if it's not outweighing the return, it might not be worth it. Does that make sense? Yeah. Perfect. But, otherwise, you can see that there have been a pretty good returns aside from the Benelung. You can see that a lot of the other areas are doing really well. You can see your Global X battery tech in lithium. That was about 92%, which is pretty crazy pretty crazy. So you can kind of see a bit of a range otherwise, which, yeah, have done pretty good. Any questions so far? That all makes sense. Alright. Perfect. Now can you also see a what's next for you? Yes. Can you open the super insurance summary for me? Yep. And let me know when that one is loaded. Okay? Yeah. Perfect. So this one here gives you a bit of a breakdown of your current super and insurances. So it does show you in net worth your current balance, and it is at 92,708. And, obviously, now you being back working and stuff as well with, obviously, contributions that would should see a bit of a bit of a bump there as well, which is good, especially more so if you do go up to five five days, but even at just four days, you are obviously getting those contributions, which is great. Now you then also have your insurances listed underneath that, and you do have insurances with Neos. So you do have, at the moment, that you are covered for life and TPD of 823,490. Now are you still happy with that level of cover? Because, you know, obviously, you bought the investment property. Are you still kind of comfortable with the level of cover you do have? Yep. And if anything were to happen, a lot of it, obviously, depends on what your goals are, but a lot of people don't factor in necessarily a mortgage on an investment property. Because if something ever were to happen, then worst comes to worst, you could sell the investment property. What you have at the moment does clear out your mortgage completely so at least you don't have to worry about that if you move in. And that way, you still give a little bit of extra money as well if something were to happen to assist with, you know, living expenses and stuff like that. Yep. Now you also have an income protection policy, and that will pay you a monthly amount of 5,000 562. And at the moment, it is pretty spot on actually what your income's at because you can only get paid up to 70% of your income at the time of claim. And at 96,000, it's about 5,600. So very close to what you have, which is great because that sometimes the yeah. Now with your income protection, you do have a thirty day waiting period, and then it goes all the way up to the age of 65 if something were to happen. All those three structured and paid from within superannuation, so you don't pay for anything out of pocket. You do get a 15% tax rebate. So after that, it's about 3,156. Yep. Now the certificate of currency, it basically shows you your insurances again just in a bit more detail and let you know that's all paid and up to date. And then the last two you should see is a financial services guide version four and an OQV services guide version one. I will let you have a read over them in your own time. You would have seen these a couple of times. It is one of those compliance documents, but it does give you all the important information that you do need to know about us in there. None of the important information has changed, but we've had a bit of an update to marketing, which is great. So if you do go back and have a bit of a read over it, you will see a bit of an update to photos, which is great, a bit of an extension to the team as well. And if you do have a look over it, you will see myself there as well if you do wanna put a face to the voice. Yep. Now the last thing is just if you're happy to do so is now to click on that link where it says sign now, and it will ask you to sign a couple of those documents. Now it what it will ask you to sign, it is is the first one you can see authorization to search for lost super. Yep. Basically, what this is is we like to do it every now and then just to be safe, but it lets us search with the ATO. If you ever have any old super funds open that you might not know about or whether an employer may have put one contribution or something elsewhere, it just lets us search it with the ATO. And if so, we'll get a bit of a hit to say you have something. We can then do research and see if we want to obviously consolidate on what to do with it. So it's just good to do every now and then. You also have a tax file number form that's just just another compliance form just to say we are keeping your tax file number secure and safe on file. And then the last thing there should be just your ongoing service agreement with Netwealth, and that's just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. That stays exactly the same at 1.65, so no changes in regards to that. And it is not a lock in contract. So if at any point in time, you are not happy and not a lock in contract at all. So this just lets us service your account and manage everything for you in the meantime. Does that all make sense? Yep. And once you've added all the signature on those three documents, it should say validate or update. And then once you press that, it should then send it back to me. I'll just have a little refresh and see if that'll come through. Sometimes with Internet, it's a bit slow. It's been a little bit slow today, probably because of the weather. Yesterday was worse. So now like I said as well, I will get the team to email you out those beneficiary forms. That way you do have it in your inbox. If you have any questions about who to nominate or anything like that, just let me know. But, yes, your husband is completely tax free, and at the moment, your children are too. And then when you do get your ID, if you could just click that through as well, that'd be great. Yep. And if anything does change and you do wanna talk about investments or anything like that at any point in time, doesn't have to wait to end your review time. You can give me a call or send me an email whenever you want to, and we can always book you in for a bit of a catch up. Perfect. That's okay. Do you have any other questions before I let you go and enjoy the rest of your afternoon otherwise? No. That's all good. Perfect. If you do need anything, like I said, I'm always there. Just give me a call. But, otherwise, thank you so much for your time today, Lucy. It was lovely speaking with you, and I look forward to speaking with you soon again. No worries. See you later. 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afternoon, Lucy. This is Veronica from Oakview Financial. How are you? I'm good. Thanks.\n\nI had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here.\n\nDid you guys get a lot of rain yesterday as well? Yeah. Yeah. Yeah. Us too.\n\nIt was a bit crazy. Yeah. We're up in Southport, and it was just mayhem. When everyone left work about six or so, it was just crazy. So a little bit better today.\n\nNow, Lucy, before I kind of jump into the interview, I do like to start by asking if there is anything specific you are hoping to get out of their review today or any areas you would like me to focus on, whether it's just a bit of an catch up to see what's happened in the last twelve months. Okay. Yeah. So with network login, we can't I can't call for you and request it because of security. So, unfortunately, you do have to call them.\n\nBut, yeah, definitely do so you can get access to your Networks so you can see your super and, you know, how everything is going as well. But, yes, unfortunately, you just have to call them just for security on your behalf of our first. In regards to the forms, yes. So that would be your Netwealth and your Neos insurance beneficiary form. So that is in the event that something ever woulda happened to you.\n\nDo you still have those form, or would you like us to send them out again? Yes. Perfect. And do you prefer by post or email? Do you have access to a print, sir?\n\nEmails. Okay. Perfect. That way, it's in your inbox as well if you do ever lose them. Do you know who you would like to nominate?\n\nOkay. Yep. And your children, are they 18? Yeah. Okay.\n\nSo if something were to happen, because there are different rules in regards to who you can nominate in terms of who's actually eligible, but then also from a tax point of view. So if you nominate a spouse, it is tax free. So all of it will be tax free if something were to happen. For children, if it's under 18, unless disabled or in a, like, a university, they so under that, completely tax free. Over 18, they can be taxable up to 32%.\n\nYeah. So something to keep in mind, obviously, when if it's down to 18 at the moment, that's all good. If something were to happen, it would all be tax free. But I do like to just mention it as well because sometimes that can sway how you want to nominate knowing that it's always tax free. Mhmm.\n\nNo. It's tax free. Tax free. Completely tax free. Yeah.\n\nThe only thing is with the children 18 versus 18, but to your spouse, it's always tax free. Yep. I will get the team to email those out to you and get that sorted. While we are talking about outstanding, I can also see that your ID that we have on file has expired. Did you okay.\n\nPerfect. Even if you could if you could send a photo of the front and the back of the license, that would be great, and you can even just on. Yeah. Okay. Okay.\n\nYeah. Of course. Yeah. No. That's all good.\n\nJust hang how I'll just hold off until that you get that new one even when you send through the beneficiary forms. If at that time you wanna send it all in one go, that is no problem. I'll make a little note of that. Otherwise, what I might do is just run through a bit of a fact find with you first there, Lucy, just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice. So kind of bear with me as I go through this information.\n\nNow when it comes to personal information, I have you down here as married with two financial dependents. Yep. Perfect. And next up, can I have Daniel nominated? That's still the case as well?\n\nBeautiful. And phone number hasn't changed, still ends in 021? Yep. Perfect. Now when it comes to employment, last time we spoke to you, you were on maternity leave.\n\nAre you still on maternity leave, or are you back working? Okay. Yep. And what do you do at the moment? Yeah.\n\nAnd when did you go back to that? Yep. And how are you finding the transition? That's good. Yeah.\n\nOh, that's great. Because it definitely can always be a bit of a bit of a translation. Sorry. Sorry. That's really good.\n\nAnd do you work full time? Yep. Is it on a full time contract with, like, a transition period or a part time contract? Yep. And was that what you were kind of doing before maternity leave as well?\n\nYep. Okay. Perfect. And who's your employer? Okay.\n\nBeautiful. And income wise, do you know what it's currently on a yearly basis? Yes. One thirty. Do you think you will move to five days or for the time being, just happy with four?\n\nYeah. Yes. Okay. Perfect. So 96.\n\nAnd your employer, do they pay you just that standard twelve percent contribution into Super, or do you have a yeah. Okay. Amazing. Yep. Otherwise, when it comes to expenses and savings, is that something you guys keep an eye on?\n\nDo you know if you guys are saving anything on a weekly, monthly, or fortnightly basis? Mhmm. Yep. Oh, that's good. Perfect.\n\nAnd aside from employer contributions, you don't make any additional contributions to you? No. And when it comes to assets and liabilities, I can see here that last time we spoke to you, you had your property, but you were renting it out at the moment. Is that still an investment property, or are you guys back in there? Okay.\n\nAnd I do have it valued at about 800,000. Oh, wow. That's nice. And I do have mortgage at about $5.40. Yes.\n\nYep. And otherwise, are you guys yeah. You're renting elsewhere for the time being? Okay. Yep.\n\nPerfect. And other assets, I have a motor vehicle right at about 40,000. Yep. And owing about 7. Okay.\n\nPerfect. Offset account about 5,000. 46. Perfect. And, also, a investment portfolio where you have a 50% ownership of about 10,000.\n\nYeah. Especially the last twelve months, I've definitely seen a bit of fluctuations in the market with everything going on in the world. Okay. I am. And is that something you guys just set up and manage yourself?\n\nOkay. Mhmm. Mhmm. Mhmm. Okay.\n\nAnd who owns the other half? Okay. If it is something that you guys want us to manage or look at for you, just let me know because we can always have a look at it. Obviously, if we do manage it, there will be, like, management fees associated with it, but we can always do research on different options depending on what it is that you would want to achieve. Obviously, if you do own it with your husband, he would have to be involved in that process as well.\n\nOkay. But it is something we do do a lot for clients, the different personal investments, investment bonds, whatever it might be. So just have a think about it if it is something at any point that you would like us to review for you. It depends on which options you want to do. So some some investment options, depending on what we would look at, there is about 20,000 minimum.\n\nThere is some accounts that's a lot lower. Some is just like a thousand, a couple of thousand. So it there are options for a smaller balance. So it kind of depends on what you guys are wanting, and that would then steer me into which direction. So what type of accounts to look at, if that makes sense.\n\nSo it's not too too little to look at. 12,000, that's still a decent amount. Yeah. Obviously, have a think about it, have a chat to your husband too. And if it is something you would like us to look at, just give me a send me an email or give me a call, and we can always book in a bit of a catch up to have a look at that for you.\n\nYeah. Otherwise, do you also have some employee shares for about $350? Yeah. Okay. Oh, okay.\n\nThat disappeared. Yeah. Yeah. Do you have any other new assets or liabilities or anything in the last 12? Yep.\n\nNice. Oh, yeah. Oh, nice. Oh, that's exciting. Is that local or interstate?\n\nYes. Ah, yeah. Perfect. And do you know how much the land is valued at right now? Like, obviously, because you haven't started building or what you bought it for, basically.\n\n$2.50. And do you have an estimate for when it's completed? Alright. Yep. And rough value of when you have the house on top of the land?\n\nGot $6.80. Okay. One completed. And how much do you have on the mortgage? Mhmm.\n\nYep. $5.08 when it's, like, completed. Yep. Okay. Perfect.\n\nAny other changes? No. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case?\n\nYep. Perfect. And have you had any changes to your health or any injuries or anything in the last twelve months? Nope. Perfect.\n\nAnd do you have private health insurance? Yep. And that is hospital as well? Yep. Perfect.\n\nEstate planning wise, we've already kind of touched on the beneficiaries. But, otherwise, do you guys have a will or power of attorney in place or anything like that? No. That's okay. Do you know someone that you guys would have a talk through, or would you like us to send you some brochures and some pricing of a firm that we work with and how much they would charge for a will and stuff.\n\nYou know someone? Okay. Amazing. Perfect. Otherwise, when it comes to kind of goals, stuff that you are working towards, at annual review time, it is good to to always have a bit of a reassess to be like, okay.\n\nWhat happened in the last twelve months? What were we goal? How were we tracking? And what are we trying to focus on moving forward? So I can say here that the goal was through buying a property, which you guys did, obviously, so that is really good.\n\nIs there anything else that you are working towards that you're kind of wanting to achieve in the next twelve months? Obviously, the build is obviously a bit of a thing. Mhmm. Yep. Yep.\n\nPerfect. Yeah. Well, especially being so new with the investment property and everything is comes in and you get it rented out, and you can kind of get an, you know, gauge of where things are at. Yep. Perfect.\n\nAnything else? No. That's all good. Yep. Mhmm.\n\nNo. Not with Netwealth because often obviously, you can never guarantee anything. But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other companies as well. But then often as well, it's it's structured and managed very differently. So if anything were to happen to Netwealth, like, you still have investments in a lot of different investments that we could just transfer to somewhere else.\n\nSo if something ever were to happen, it's, like, not your money sitting with Netwealth. It is sitting in a range of different investments. So it's not like a managed portfolio managed by Netwealth. We manage the portfolio for you, and you are then invested in a lot of different, like, ETFs and different options. So it does kind of spread all of that very differently through then, for example, with Colonial First State.\n\nIf you've ever looked up the super account, for example, or any other industry funds, really, a lot of the investments are, like, a managed fund with them that they manage. So you don't really know what's in it or how that's all spread out because it's obviously there. Things that you can't actually see what those individual investments are. But with Netwealth, it is structured very differently. And we also we can also have a look at your risk and stuff and see how you feel about things.\n\nBut in terms of, obviously, anything major have net net wealth is massive and how your super is invested in the different investments do spread that very differently. But it is a valid concern, especially when you do hear a lot of things everywhere and especially in the market and stuff the last twelve months. So I do completely understand understand that, but it is spread out very differently. And, yeah, you're not invested in net wealth. You are invested in a lot of different investments.\n\nIt's just kind of the bank account that holds your super, basically. Does that make sense? Yes. But with talking about your superannuation, though, because you are currently invested in an aggressive portfolio. So, obviously, kind of very high risk but reward as well because you do have plenty of time until retirement.\n\nSo what I might do is just run through just a a short version of a risk profile questionnaire just to see if anything has changed with your risk tolerance, if we need to make any changes. Think about it is obviously long term for your superannuation as well. If it doesn't make sense, just let me know. Now have you ever bought direct shares? Do you know if you have direct shares with your investment account, or is it mainly life managed funds or ETFs?\n\nManaged funds. Yep. Perfect. And at the moment, are you still kind of planning on retiring at 60 when you can access your super, or do you think you'd wanna work a bit longer? Yeah.\n\nPerfect. And I do have here that, ideally, you'd love to draw a weekly income of about $1,200 per week. Do you think that would still be a a good amount? No. How much do you 1,500?\n\nYep. Perfect. That is, to be fair, what most people say as well. It kind of ranges between 1,000 and 2,000 depending on, obviously, your lifestyle. Yep.\n\nYep. And often as well, most people's goal is, well, by the time you retire, ideally, have your property paid off so that you don't have, like, the mortgage, and then it would just be kind of other expenses and stuff to worry about. But I will just change it to that 1,700. Otherwise, when it comes to how much risk you're willing to take for your superannuation, would you say that you are happy to accept very high risk, high, moderate, or a small amount of risk for your super? Okay.\n\nAnd if you had to choose one, which one would you lean more towards? Very high? Yep. Perfect. And in terms of volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.\n\nSo not, like, one particular investment that's gone bad, just kind of the market as a whole. Would you if you have yeah. Yeah. Exactly. So would you say that if you had the option to do so, you would think that now is potentially a good time to invest a little bit more while the prices are down?\n\nWould you kind of be, yeah, and would you invest heavily or modestly if you had the option to do so? Yep. Okay. Perfect. And next is in regards to fluctuations.\n\nBut if you did see fluctuations in any investments, would you say that would make you feel optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious? Okay. Yes. Yep. Yeah.\n\nNo. That's that's perfect. And last is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yep.\n\nYep. Yeah. Bit of tax deductions there. Yeah. And, also, obviously, with the investment properties, when you guys do do your tax return for everything with that as well, you should see do some nice deductions as well.\n\nAnd now, Lucy, that tells me here that you have come out as a aggressive investor, which is the portfolio we have you invested in. Are you still quite comfortable, for the time being anyway, with kind of being in an aggressive portfolio? Yep. Amazing. And do you have access to your emails at the moment?\n\nYep. Okay. Perfect. So what I have done is I have just sent you an email with some documents to go through, which gives you a bit of an update on super and insurances as well for you. Hopefully, you can soon get into your net worth, and you can look at it during during as well.\n\nBut did that one come through okay for you? Yep. Perfect. Yep. So, actually, before because we have recently changed the software.\n\nSo it used to be you click on the link and you see everything. Now it's kind of changed. So if you before you click on the link, so if you go back to the email, you should see a couple of attachments first at the bottom of that email. Can you see those? Yep.\n\nNow can you see one where it says 2025 Vanguard index chart? Yep. Perfect. If you wanna open that one for me. Now you may have seen some seen something like this before, and especially with knowing a little bit about the market, but it is a good visual representation of what we are talking about when we are talking about the market.\n\nAnd you can kind of see here that it goes back to 1995 through to 2025, and Vanguard does publish this every year, which is good. But it does kind of show you that long term approach that you touched on as well. Long term market always goes up. Short term, there will be some ups and downs and market fluctuations. Yep.\n\nAnd when it comes to, obviously, how your money is invested in that aggressive portfolio, we typically see about between, like, 90 to a 100 in your growth investments. So that will be, like, your top four here that you can see, The US shares, Australian shares, international shares, property, and then around five or so in those defensive. Limit fluctuations a little bit, but the goal is to grow it as much as possible while you do have plenty of time at your retirement. Yep. Does that all make sense so far?\n\nYep. Perfect. Now what is the next document that you can see on your end just to make it easier? Yes. So if you can open that one for me.\n\nNo. Let me just do it here on my side as well. So this one here, it's just taking a while for me to open it, gives you a breakdown of your investments and your portfolio in Netwealth in the last twelve months. So we've kind of already touched on that. Obviously, the market has seen a bit of fluctuation in the last twelve months.\n\nFirst, obviously, everything in The US did see a bit of movement with Trump and tariffs and everything and also more recently in the war. So we have seen quite a bit of fluctuation. And despite all of that, though, your portfolio has still done pretty decent given what's happened in the market and also given that we are in an aggressive portfolio, which short term, you will see a bit of fluctuation. So you can actually see all the individual investments here. Now I do wanna also point out that did you get our email in regards to the investments which we did for you around the March 13?\n\nIt was okay if you didn't. Yep. Okay. Perfect. No.\n\nThat's okay. So what it was is it was just for your reference. So it was a record of advice. It wasn't something you had to sign, but it was just your reference. So, obviously, part of the ongoing portfolio management and investment oversight, we do a lot of research all the time on the investment.\n\nAnd if we ever kind of foresee that is one investment that is kind of underperforming a little bit or not going to our expectations or if we find better options that's going to put you in a better position moving forward, we then wanna make sure that we are proactive in that approach and then make changes. So, basically, what that record of advice was was to let you know that we have made one change for you. Just one change, but the one that we did make, which you can see here was the one that was underperforming a little bit, and that was your Benelon Australian equity fund. That one is a a managed fund, so there is through the goal for them is to try to actively buy and sell different investments in order to try to outperform the market. They had done really well, and they were one of the best performing fund managers as well.\n\nBut more recently, they've kind of been underperforming a little bit been a little bit slower in their approach. And after doing a little research, we found another option that was going to be better for you. So we have swapped it for the BetaShares Australia two hundred. You may have heard of that one. Yep.\n\nSorry. That was literally what that record of advice was. So moving forward as well, you should see a little bit more even though you're an aggressive portfolio, there's still some fluctuations. But the beta share of 200, it is tracking the index of the 200 largest companies. So, obviously, as the company grows, it gets added to the ETF.\n\nSomething smaller comes out. Still gives you good, well rounded diversification, but not that same kind of frequent active in buying, selling, and which can come at a little bit more of a cost as well. And if it's not outweighing the return, it might not be worth it. Does that make sense? Yeah.\n\nPerfect. But, otherwise, you can see that there have been a pretty good returns aside from the Benelung. You can see that a lot of the other areas are doing really well. You can see your Global X battery tech in lithium. That was about 92%, which is pretty crazy pretty crazy.\n\nSo you can kind of see a bit of a range otherwise, which, yeah, have done pretty good. Any questions so far? That all makes sense. Alright. Perfect.\n\nNow can you also see a what's next for you? Yes. Can you open the super insurance summary for me? Yep. And let me know when that one is loaded.\n\nOkay? Yeah. Perfect. So this one here gives you a bit of a breakdown of your current super and insurances. So it does show you in net worth your current balance, and it is at 92,708.\n\nAnd, obviously, now you being back working and stuff as well with, obviously, contributions that would should see a bit of a bit of a bump there as well, which is good, especially more so if you do go up to five five days, but even at just four days, you are obviously getting those contributions, which is great. Now you then also have your insurances listed underneath that, and you do have insurances with Neos. So you do have, at the moment, that you are covered for life and TPD of 823,490. Now are you still happy with that level of cover? Because, you know, obviously, you bought the investment property.\n\nAre you still kind of comfortable with the level of cover you do have? Yep. And if anything were to happen, a lot of it, obviously, depends on what your goals are, but a lot of people don't factor in necessarily a mortgage on an investment property. Because if something ever were to happen, then worst comes to worst, you could sell the investment property. What you have at the moment does clear out your mortgage completely so at least you don't have to worry about that if you move in.\n\nAnd that way, you still give a little bit of extra money as well if something were to happen to assist with, you know, living expenses and stuff like that. Yep. Now you also have an income protection policy, and that will pay you a monthly amount of 5,000 562. And at the moment, it is pretty spot on actually what your income's at because you can only get paid up to 70% of your income at the time of claim. And at 96,000, it's about 5,600.\n\nSo very close to what you have, which is great because that sometimes the yeah. Now with your income protection, you do have a thirty day waiting period, and then it goes all the way up to the age of 65 if something were to happen. All those three structured and paid from within superannuation, so you don't pay for anything out of pocket. You do get a 15% tax rebate. So after that, it's about 3,156.\n\nYep. Now the certificate of currency, it basically shows you your insurances again just in a bit more detail and let you know that's all paid and up to date. And then the last two you should see is a financial services guide version four and an OQV services guide version one. I will let you have a read over them in your own time. You would have seen these a couple of times.\n\nIt is one of those compliance documents, but it does give you all the important information that you do need to know about us in there. None of the important information has changed, but we've had a bit of an update to marketing, which is great. So if you do go back and have a bit of a read over it, you will see a bit of an update to photos, which is great, a bit of an extension to the team as well. And if you do have a look over it, you will see myself there as well if you do wanna put a face to the voice. Yep.\n\nNow the last thing is just if you're happy to do so is now to click on that link where it says sign now, and it will ask you to sign a couple of those documents. Now it what it will ask you to sign, it is is the first one you can see authorization to search for lost super. Yep. Basically, what this is is we like to do it every now and then just to be safe, but it lets us search with the ATO. If you ever have any old super funds open that you might not know about or whether an employer may have put one contribution or something elsewhere, it just lets us search it with the ATO.\n\nAnd if so, we'll get a bit of a hit to say you have something. We can then do research and see if we want to obviously consolidate on what to do with it. So it's just good to do every now and then. You also have a tax file number form that's just just another compliance form just to say we are keeping your tax file number secure and safe on file. And then the last thing there should be just your ongoing service agreement with Netwealth, and that's just to say that you are happy to stay on as a client.\n\nNow there is no changes whatsoever in regards to the fee structure. That stays exactly the same at 1.65, so no changes in regards to that. And it is not a lock in contract. So if at any point in time, you are not happy and not a lock in contract at all. So this just lets us service your account and manage everything for you in the meantime.\n\nDoes that all make sense? Yep. And once you've added all the signature on those three documents, it should say validate or update. And then once you press that, it should then send it back to me. I'll just have a little refresh and see if that'll come through.\n\nSometimes with Internet, it's a bit slow. It's been a little bit slow today, probably because of the weather. Yesterday was worse. So now like I said as well, I will get the team to email you out those beneficiary forms. That way you do have it in your inbox.\n\nIf you have any questions about who to nominate or anything like that, just let me know. But, yes, your husband is completely tax free, and at the moment, your children are too. And then when you do get your ID, if you could just click that through as well, that'd be great. Yep. And if anything does change and you do wanna talk about investments or anything like that at any point in time, doesn't have to wait to end your review time.\n\nYou can give me a call or send me an email whenever you want to, and we can always book you in for a bit of a catch up. Perfect. That's okay. Do you have any other questions before I let you go and enjoy the rest of your afternoon otherwise? No.\n\nThat's all good. Perfect. If you do need anything, like I said, I'm always there. Just give me a call. But, otherwise, thank you so much for your time today, Lucy.\n\nIt was lovely speaking with you, and I look forward to speaking with you soon again. No worries. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Lucy.","start":2.24,"end":3.28,"sentiment":"positive","sentiment_score":0.38452943166097003},{"text":"This is Veronica from Oakview Financial.","start":3.28,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2842753008008003},{"text":"How are you?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.20586439470450082},{"text":"I'm good.","start":8.08,"end":8.8,"sentiment":"positive","sentiment_score":0.5785375535488129},{"text":"Thanks.","start":8.8,"end":9.3,"sentiment":"positive","sentiment_score":0.6753510236740112}],"sentiment":"positive","sentiment_score":0.3539506276448568,"num_words":15,"start":2.24,"end":9.3},{"sentences":[{"text":"I had you booked in this afternoon to go over your annual review.","start":10.48,"end":13.36,"sentiment":"positive","sentiment_score":0.45418639595691973},{"text":"Is now still a good time for you?","start":13.36,"end":14.925,"sentiment":"positive","sentiment_score":0.3702113851904869},{"text":"Yeah.","start":16.125,"end":16.625,"sentiment":"positive","sentiment_score":0.3761120140552521},{"text":"Perfect.","start":16.845,"end":17.345,"sentiment":"positive","sentiment_score":0.4962448179721832},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":17.965,"end":25.825,"sentiment":"neutral","sentiment_score":0.040319588677636506}],"sentiment":"neutral","sentiment_score":0.20976421408928358,"num_words":52,"start":10.48,"end":25.825},{"sentences":[{"text":"Perfect.","start":27.5,"end":28.0,"sentiment":"neutral","sentiment_score":0.2683493494987488},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":28.460001,"end":37.04,"sentiment":"neutral","sentiment_score":0.06731270698289718},{"text":"Yep.","start":45.115,"end":45.435,"sentiment":"neutral","sentiment_score":0.10375547409057616},{"text":"Perfect.","start":45.435,"end":45.835003,"sentiment":"positive","sentiment_score":0.4055758118629456},{"text":"That's exactly what I have here.","start":45.835003,"end":47.595,"sentiment":"positive","sentiment_score":0.3732466548681259}],"sentiment":"neutral","sentiment_score":0.12759636202827096,"num_words":40,"start":27.5,"end":47.595},{"sentences":[{"text":"Did you guys get a lot of rain yesterday as well?","start":47.595,"end":50.495003,"sentiment":"neutral","sentiment_score":0.007870911874554375},{"text":"Yeah.","start":51.93,"end":52.43,"sentiment":"neutral","sentiment_score":0.0018688393756747248},{"text":"Yeah.","start":53.13,"end":53.530003,"sentiment":"neutral","sentiment_score":0.00017219781875610352},{"text":"Yeah.","start":53.530003,"end":53.690002,"sentiment":"neutral","sentiment_score":-0.005781948566436768},{"text":"Us too.","start":53.690002,"end":54.050003,"sentiment":"neutral","sentiment_score":-0.02328377775847912}],"sentiment":"neutral","sentiment_score":0.002266972733195871,"num_words":16,"start":47.595,"end":54.050003},{"sentences":[{"text":"It was a bit crazy.","start":54.050003,"end":55.15,"sentiment":"neutral","sentiment_score":-0.15880005061626434},{"text":"Yeah.","start":57.29,"end":57.61,"sentiment":"neutral","sentiment_score":-0.03939218074083328},{"text":"We're up in Southport, and it was just mayhem.","start":57.61,"end":60.510002,"sentiment":"neutral","sentiment_score":-0.032086003571748734},{"text":"When everyone left work about six or so, it was just crazy.","start":61.77,"end":65.975006,"sentiment":"neutral","sentiment_score":-0.1003661531334122},{"text":"So a little bit better today.","start":66.195,"end":69.095,"sentiment":"neutral","sentiment_score":0.03712805670996507}],"sentiment":"neutral","sentiment_score":-0.06375127161542575,"num_words":33,"start":54.050003,"end":69.095},{"sentences":[{"text":"Now, Lucy, before I kind of jump into the interview, I do like to start by asking if there is anything specific you are hoping to get out of their review today or any areas you would like me to focus on, whether it's just a bit of an catch up to see what's happened in the last twelve months.","start":70.755005,"end":85.28,"sentiment":"neutral","sentiment_score":-0.013052440776179234},{"text":"Okay.","start":106.41,"end":106.91,"sentiment":"neutral","sentiment_score":-0.1693362295627594},{"text":"Yeah.","start":110.090004,"end":110.590004,"sentiment":"neutral","sentiment_score":-0.11234813928604126},{"text":"So with network login, we can't I can't call for you and request it because of security.","start":110.81,"end":119.405,"sentiment":"neutral","sentiment_score":-0.22197973728179932},{"text":"So, unfortunately, you do have to call them.","start":119.545,"end":123.385,"sentiment":"neutral","sentiment_score":-0.2638014582917094}],"sentiment":"neutral","sentiment_score":-0.07987239098326228,"num_words":87,"start":70.755005,"end":123.385},{"sentences":[{"text":"But, yeah, definitely do so you can get access to your Networks so you can see your super and, you know, how everything is going as well.","start":123.385,"end":130.525,"sentiment":"positive","sentiment_score":0.4448186023919671},{"text":"But, yes, unfortunately, you just have to call them just for security on your behalf of our first.","start":131.57,"end":137.03,"sentiment":"neutral","sentiment_score":-0.3308422989729378},{"text":"In regards to the forms, yes.","start":138.53,"end":140.37001,"sentiment":"neutral","sentiment_score":0.013629271959265074},{"text":"So that would be your Netwealth and your Neos insurance beneficiary form.","start":140.37001,"end":144.945,"sentiment":"neutral","sentiment_score":0.054076945409178734},{"text":"So that is in the event that something ever woulda happened to you.","start":145.425,"end":149.52501,"sentiment":"neutral","sentiment_score":0.056363193748088986}],"sentiment":"neutral","sentiment_score":0.09892580761133056,"num_words":76,"start":123.385,"end":149.52501},{"sentences":[{"text":"Do you still have those form, or would you like us to send them out again?","start":150.46501,"end":155.365,"sentiment":"neutral","sentiment_score":0.05652567290235311},{"text":"Yes.","start":155.66501,"end":156.16501,"sentiment":"neutral","sentiment_score":0.26481521129608154},{"text":"Perfect.","start":156.54501,"end":157.04501,"sentiment":"positive","sentiment_score":0.5724959373474121},{"text":"And do you prefer by post or email?","start":157.57,"end":159.97,"sentiment":"neutral","sentiment_score":0.1603589579463005},{"text":"Do you have access to a print, sir?","start":159.97,"end":161.59,"sentiment":"neutral","sentiment_score":0.09508398547768593}],"sentiment":"neutral","sentiment_score":0.11133133713155985,"num_words":34,"start":150.46501,"end":161.59},{"sentences":[{"text":"Emails.","start":162.77,"end":163.25,"sentiment":"neutral","sentiment_score":0.1318478286266327},{"text":"Okay.","start":163.25,"end":163.57,"sentiment":"neutral","sentiment_score":0.29004472494125366},{"text":"Perfect.","start":163.57,"end":163.97,"sentiment":"positive","sentiment_score":0.5581974983215332},{"text":"That way, it's in your inbox as well if you do ever lose them.","start":163.97,"end":167.19,"sentiment":"positive","sentiment_score":0.4367774341787611},{"text":"Do you know who you would like to nominate?","start":168.45,"end":170.39,"sentiment":"neutral","sentiment_score":0.10896031310160954}],"sentiment":"neutral","sentiment_score":0.3106006518579446,"num_words":26,"start":162.77,"end":170.39},{"sentences":[{"text":"Okay.","start":174.005,"end":174.405,"sentiment":"neutral","sentiment_score":0.058909133076667786},{"text":"Yep.","start":174.405,"end":174.905,"sentiment":"neutral","sentiment_score":0.04825945198535919},{"text":"And your children, are they 18?","start":176.325,"end":179.465,"sentiment":"neutral","sentiment_score":0.02187285665422678},{"text":"Yeah.","start":180.645,"end":180.965,"sentiment":"neutral","sentiment_score":0.033997002989053726},{"text":"Okay.","start":180.965,"end":181.465,"sentiment":"neutral","sentiment_score":0.036065418273210526}],"sentiment":"neutral","sentiment_score":0.03084681462496519,"num_words":10,"start":174.005,"end":181.465},{"sentences":[{"text":"So if something were to happen, because there are different rules in regards to who you can nominate in terms of who's actually eligible, but then also from a tax point of view.","start":181.605,"end":191.85,"sentiment":"neutral","sentiment_score":0.006780340420928868},{"text":"So if you nominate a spouse, it is tax free.","start":192.31,"end":197.43001,"sentiment":"neutral","sentiment_score":0.09479849189519882},{"text":"So all of it will be tax free if something were to happen.","start":197.43001,"end":199.875,"sentiment":"neutral","sentiment_score":0.1372493442434531},{"text":"For children, if it's under 18, unless disabled or in a, like, a university, they so under that, completely tax free.","start":200.355,"end":211.475,"sentiment":"neutral","sentiment_score":0.04059195837804249},{"text":"Over 18, they can be taxable up to 32%.","start":211.475,"end":214.935,"sentiment":"neutral","sentiment_score":0.0068059950653049685}],"sentiment":"neutral","sentiment_score":0.04499607801783916,"num_words":86,"start":181.605,"end":214.935},{"sentences":[{"text":"Yeah.","start":218.42,"end":218.92,"sentiment":"neutral","sentiment_score":0.05903852730989456},{"text":"So something to keep in mind, obviously, when if it's down to 18 at the moment, that's all good.","start":219.46,"end":225.7,"sentiment":"neutral","sentiment_score":0.05834417476465827},{"text":"If something were to happen, it would all be tax free.","start":225.7,"end":228.695,"sentiment":"neutral","sentiment_score":0.07962144369428809},{"text":"But I do like to just mention it as well because sometimes that can sway how you want to nominate knowing that it's always tax free.","start":229.155,"end":237.575,"sentiment":"neutral","sentiment_score":0.10023509582074788},{"text":"Mhmm.","start":238.915,"end":239.415,"sentiment":"neutral","sentiment_score":-0.0033225491642951965}],"sentiment":"neutral","sentiment_score":0.08010695983880553,"num_words":58,"start":218.42,"end":239.415},{"sentences":[{"text":"No.","start":240.14,"end":240.3,"sentiment":"neutral","sentiment_score":-0.04138202220201492},{"text":"It's tax free.","start":240.3,"end":241.36,"sentiment":"neutral","sentiment_score":0.013539011279741922},{"text":"Tax free.","start":241.42,"end":241.98,"sentiment":"neutral","sentiment_score":0.06570199877023697},{"text":"Completely tax free.","start":241.98,"end":243.1,"sentiment":"neutral","sentiment_score":0.22268117467562357},{"text":"Yeah.","start":243.1,"end":243.42,"sentiment":"neutral","sentiment_score":-0.0003570057451725006}],"sentiment":"neutral","sentiment_score":0.0798325527459383,"num_words":10,"start":240.14,"end":243.42},{"sentences":[{"text":"The only thing is with the children 18 versus 18, but to your spouse, it's always tax free.","start":243.42,"end":250.16,"sentiment":"neutral","sentiment_score":0.0017442664959364468},{"text":"Yep.","start":251.755,"end":252.255,"sentiment":"neutral","sentiment_score":0.2535710334777832},{"text":"I will get the team to email those out to you and get that sorted.","start":252.955,"end":258.015,"sentiment":"neutral","sentiment_score":0.3157689372698466},{"text":"While we are talking about outstanding, I can also see that your ID that we have on file has expired.","start":259.515,"end":265.295,"sentiment":"neutral","sentiment_score":-0.12386091453954577},{"text":"Did you okay.","start":266.555,"end":268.44,"sentiment":"neutral","sentiment_score":0.13415698458751044}],"sentiment":"neutral","sentiment_score":0.05169744828813955,"num_words":57,"start":243.42,"end":268.44},{"sentences":[{"text":"Perfect.","start":268.66,"end":269.16,"sentiment":"positive","sentiment_score":0.46210741996765137},{"text":"Even if you could if you could send a photo of the front and the back of the license, that would be great, and you can even just on.","start":269.30002,"end":276.28,"sentiment":"neutral","sentiment_score":0.2102406852204224},{"text":"Yeah.","start":277.22,"end":277.72,"sentiment":"neutral","sentiment_score":0.005994134582579136},{"text":"Okay.","start":281.07498,"end":281.57498,"sentiment":"neutral","sentiment_score":0.017297357320785522},{"text":"Okay.","start":283.315,"end":283.815,"sentiment":"neutral","sentiment_score":0.02277053520083427}],"sentiment":"neutral","sentiment_score":0.2001560399534576,"num_words":33,"start":268.66,"end":283.815},{"sentences":[{"text":"Yeah.","start":284.115,"end":284.435,"sentiment":"neutral","sentiment_score":0.026566455140709877},{"text":"Of course.","start":284.435,"end":285.095,"sentiment":"neutral","sentiment_score":0.031215690076351166},{"text":"Yeah.","start":286.195,"end":286.695,"sentiment":"neutral","sentiment_score":0.03192199394106865},{"text":"No.","start":288.275,"end":288.595,"sentiment":"neutral","sentiment_score":0.03272383660078049},{"text":"That's all good.","start":288.595,"end":289.235,"sentiment":"neutral","sentiment_score":0.13680273046096167}],"sentiment":"neutral","sentiment_score":0.07050648215226829,"num_words":8,"start":284.115,"end":289.235},{"sentences":[{"text":"Just hang how I'll just hold off until that you get that new one even when you send through the beneficiary forms.","start":289.235,"end":295.58,"sentiment":"neutral","sentiment_score":0.03227282569489696},{"text":"If at that time you wanna send it all in one go, that is no problem.","start":295.58,"end":300.0,"sentiment":"neutral","sentiment_score":0.28024476766586304},{"text":"I'll make a little note of that.","start":300.38,"end":302.16,"sentiment":"neutral","sentiment_score":0.21737133392265864},{"text":"Otherwise, what I might do is just run through a bit of a fact find with you first there, Lucy, just to see if there is anything major that has changed in your life, if we do need to make any changes to your advice.","start":303.26,"end":313.89502,"sentiment":"neutral","sentiment_score":-0.03377557545900345},{"text":"So kind of bear with me as I go through this information.","start":313.89502,"end":316.71503,"sentiment":"neutral","sentiment_score":-0.03968535146365563}],"sentiment":"neutral","sentiment_score":0.046268555609618914,"num_words":102,"start":289.235,"end":316.71503},{"sentences":[{"text":"Now when it comes to personal information, I have you down here as married with two financial dependents.","start":318.295,"end":323.515,"sentiment":"neutral","sentiment_score":-0.0007016040488249726},{"text":"Yep.","start":324.91,"end":325.31,"sentiment":"neutral","sentiment_score":0.08135457336902618},{"text":"Perfect.","start":325.31,"end":325.79,"sentiment":"neutral","sentiment_score":0.2565992772579193},{"text":"And next up, can I have Daniel nominated?","start":325.79,"end":327.87,"sentiment":"neutral","sentiment_score":0.13524549081921577},{"text":"That's still the case as well?","start":327.87,"end":329.41,"sentiment":"neutral","sentiment_score":0.08579510450363159}],"sentiment":"neutral","sentiment_score":0.05653116268598858,"num_words":34,"start":318.295,"end":329.41},{"sentences":[{"text":"Beautiful.","start":330.59,"end":331.09,"sentiment":"neutral","sentiment_score":0.3176836669445038},{"text":"And phone number hasn't changed, still ends in 021?","start":331.15,"end":335.25,"sentiment":"neutral","sentiment_score":0.052466105876697436},{"text":"Yep.","start":336.52502,"end":336.845,"sentiment":"neutral","sentiment_score":0.07826609164476395},{"text":"Perfect.","start":336.845,"end":337.345,"sentiment":"neutral","sentiment_score":0.185587614774704},{"text":"Now when it comes to employment, last time we spoke to you, you were on maternity leave.","start":338.605,"end":343.725,"sentiment":"neutral","sentiment_score":-0.003017126034726115}],"sentiment":"neutral","sentiment_score":0.03456693736772085,"num_words":29,"start":330.59,"end":343.725},{"sentences":[{"text":"Are you still on maternity leave, or are you back working?","start":343.725,"end":347.74503,"sentiment":"neutral","sentiment_score":-0.027656390331685543},{"text":"Okay.","start":349.02,"end":349.52,"sentiment":"neutral","sentiment_score":0.010999232530593872},{"text":"Yep.","start":349.66,"end":350.16,"sentiment":"neutral","sentiment_score":0.01217672973871231},{"text":"And what do you do at the moment?","start":350.54,"end":352.32,"sentiment":"neutral","sentiment_score":-0.0008109974442049861},{"text":"Yeah.","start":356.7,"end":357.2,"sentiment":"neutral","sentiment_score":0.010885698720812798}],"sentiment":"neutral","sentiment_score":-0.012574846009639177,"num_words":22,"start":343.725,"end":357.2},{"sentences":[{"text":"And when did you go back to that?","start":357.34,"end":359.52,"sentiment":"neutral","sentiment_score":3.871158696711063e-6},{"text":"Yep.","start":363.67502,"end":364.075,"sentiment":"neutral","sentiment_score":0.06757168471813202},{"text":"And how are you finding the transition?","start":364.075,"end":366.015,"sentiment":"neutral","sentiment_score":0.1082487947174481},{"text":"That's good.","start":371.435,"end":372.255,"sentiment":"positive","sentiment_score":0.7479968667030334},{"text":"Yeah.","start":376.66,"end":377.16,"sentiment":"neutral","sentiment_score":0.27071434259414673}],"sentiment":"neutral","sentiment_score":0.1364238048952661,"num_words":19,"start":357.34,"end":377.16},{"sentences":[{"text":"Oh, that's great.","start":377.54,"end":379.0,"sentiment":"positive","sentiment_score":0.5224479834238688},{"text":"Because it definitely can always be a bit of a bit of a translation.","start":379.38,"end":382.36002,"sentiment":"neutral","sentiment_score":0.23176728880831174},{"text":"Sorry.","start":382.42,"end":382.74,"sentiment":"neutral","sentiment_score":0.03033619374036789},{"text":"Sorry.","start":382.74,"end":383.06,"sentiment":"neutral","sentiment_score":0.10455065965652466},{"text":"That's really good.","start":383.06,"end":383.86002,"sentiment":"positive","sentiment_score":0.33450613419214886}],"sentiment":"neutral","sentiment_score":0.2704768749800595,"num_words":22,"start":377.54,"end":383.86002},{"sentences":[{"text":"And do you work full time?","start":383.86002,"end":385.32,"sentiment":"neutral","sentiment_score":0.036432427975038685},{"text":"Yep.","start":388.17502,"end":388.67502,"sentiment":"neutral","sentiment_score":0.04812244325876236},{"text":"Is it on a full time contract with, like, a transition period or a part time contract?","start":390.495,"end":395.075,"sentiment":"neutral","sentiment_score":0.04898932094083113},{"text":"Yep.","start":405.06998,"end":405.15,"sentiment":"neutral","sentiment_score":0.04972648620605469},{"text":"And was that what you were kind of doing before maternity leave as well?","start":405.15,"end":408.84998,"sentiment":"neutral","sentiment_score":0.025633932357387885}],"sentiment":"neutral","sentiment_score":0.03867017964904125,"num_words":39,"start":383.86002,"end":408.84998},{"sentences":[{"text":"Yep.","start":411.245,"end":411.565,"sentiment":"neutral","sentiment_score":0.04491063952445984},{"text":"Okay.","start":411.565,"end":411.885,"sentiment":"neutral","sentiment_score":0.10823971033096312},{"text":"Perfect.","start":411.885,"end":412.385,"sentiment":"neutral","sentiment_score":0.1845249235630035},{"text":"And who's your employer?","start":414.045,"end":415.505,"sentiment":"neutral","sentiment_score":0.038837576285004616},{"text":"Okay.","start":420.445,"end":420.945,"sentiment":"neutral","sentiment_score":0.07657302916049957}],"sentiment":"neutral","sentiment_score":0.07119982596486807,"num_words":8,"start":411.245,"end":420.945},{"sentences":[{"text":"Beautiful.","start":421.245,"end":421.745,"sentiment":"neutral","sentiment_score":0.18399754166603088},{"text":"And income wise, do you know what it's currently on a yearly basis?","start":424.66,"end":429.72,"sentiment":"neutral","sentiment_score":0.025625736237718508},{"text":"Yes.","start":434.42,"end":434.92,"sentiment":"neutral","sentiment_score":0.014227842912077904},{"text":"One thirty.","start":437.285,"end":438.02502,"sentiment":"neutral","sentiment_score":0.011624478735029697},{"text":"Do you think you will move to five days or for the time being, just happy with four?","start":438.08502,"end":443.30502,"sentiment":"neutral","sentiment_score":0.01844434326307641}],"sentiment":"neutral","sentiment_score":0.02533163119639669,"num_words":35,"start":421.245,"end":443.30502},{"sentences":[{"text":"Yeah.","start":449.86,"end":450.18,"sentiment":"neutral","sentiment_score":-0.008781161159276962},{"text":"Yes.","start":450.18,"end":450.68,"sentiment":"neutral","sentiment_score":0.02769343927502632},{"text":"Okay.","start":451.13998,"end":451.54,"sentiment":"neutral","sentiment_score":0.07635721564292908},{"text":"Perfect.","start":451.54,"end":452.04,"sentiment":"neutral","sentiment_score":0.14386379718780518},{"text":"So 96.","start":452.58,"end":454.12,"sentiment":"neutral","sentiment_score":0.052266333252191544}],"sentiment":"neutral","sentiment_score":0.05727765957514445,"num_words":6,"start":449.86,"end":454.12},{"sentences":[{"text":"And your employer, do they pay you just that standard twelve percent contribution into Super, or do you have a yeah.","start":454.58,"end":461.22,"sentiment":"neutral","sentiment_score":0.02830113439510266},{"text":"Okay.","start":461.22,"end":461.54,"sentiment":"neutral","sentiment_score":0.143743097782135},{"text":"Amazing.","start":461.54,"end":462.04,"sentiment":"neutral","sentiment_score":0.2683491110801697},{"text":"Yep.","start":463.32498,"end":463.82498,"sentiment":"neutral","sentiment_score":0.10585090517997742},{"text":"Otherwise, when it comes to expenses and savings, is that something you guys keep an eye on?","start":464.925,"end":470.125,"sentiment":"neutral","sentiment_score":0.04537574201822281}],"sentiment":"neutral","sentiment_score":0.0459427939182738,"num_words":41,"start":454.58,"end":470.125},{"sentences":[{"text":"Do you know if you guys are saving anything on a weekly, monthly, or fortnightly basis?","start":470.125,"end":474.465,"sentiment":"neutral","sentiment_score":0.026007716893218458},{"text":"Mhmm.","start":478.12,"end":478.62,"sentiment":"neutral","sentiment_score":0.04312942549586296},{"text":"Yep.","start":480.19998,"end":480.69998,"sentiment":"neutral","sentiment_score":0.03777303919196129},{"text":"Oh, that's good.","start":482.36,"end":483.26,"sentiment":"neutral","sentiment_score":0.26479943593343097},{"text":"Perfect.","start":485.32,"end":485.82,"sentiment":"neutral","sentiment_score":0.2738949656486511}],"sentiment":"neutral","sentiment_score":0.07115087311037561,"num_words":22,"start":470.125,"end":485.82},{"sentences":[{"text":"And aside from employer contributions, you don't make any additional contributions to you?","start":486.04,"end":490.575,"sentiment":"neutral","sentiment_score":0.017180242410037093},{"text":"No.","start":491.535,"end":492.035,"sentiment":"neutral","sentiment_score":-0.06613662838935852},{"text":"And when it comes to assets and liabilities, I can see here that last time we spoke to you, you had your property, but you were renting it out at the moment.","start":492.49503,"end":504.11502,"sentiment":"neutral","sentiment_score":-0.005934675136813894},{"text":"Is that still an investment property, or are you guys back in there?","start":504.17502,"end":507.45,"sentiment":"neutral","sentiment_score":-0.02308664943736333},{"text":"Okay.","start":512.55,"end":513.05,"sentiment":"neutral","sentiment_score":0.07711642980575562}],"sentiment":"neutral","sentiment_score":-0.004261884905281477,"num_words":60,"start":486.04,"end":513.05},{"sentences":[{"text":"And I do have it valued at about 800,000.","start":514.63,"end":517.53,"sentiment":"neutral","sentiment_score":0.12516091018915176},{"text":"Oh, wow.","start":523.225,"end":523.785,"sentiment":"positive","sentiment_score":0.3359840363264084},{"text":"That's nice.","start":523.785,"end":524.605,"sentiment":"positive","sentiment_score":0.7285383343696594},{"text":"And I do have mortgage at about $5.40.","start":527.14496,"end":531.00494,"sentiment":"neutral","sentiment_score":0.13736956100910902},{"text":"Yes.","start":534.53,"end":535.03,"sentiment":"neutral","sentiment_score":0.0553557351231575}],"sentiment":"neutral","sentiment_score":0.20044568892229686,"num_words":22,"start":514.63,"end":535.03},{"sentences":[{"text":"Yep.","start":537.97003,"end":538.47003,"sentiment":"neutral","sentiment_score":0.04941846430301666},{"text":"And otherwise, are you guys yeah.","start":542.37,"end":544.29004,"sentiment":"neutral","sentiment_score":-0.0010020414677759009},{"text":"You're renting elsewhere for the time being?","start":544.29004,"end":546.63,"sentiment":"neutral","sentiment_score":-0.005728329398802349},{"text":"Okay.","start":549.075,"end":549.39496,"sentiment":"neutral","sentiment_score":0.08391837030649185},{"text":"Yep.","start":549.39496,"end":549.875,"sentiment":"neutral","sentiment_score":0.15355871617794037}],"sentiment":"neutral","sentiment_score":0.015049062261823565,"num_words":16,"start":537.97003,"end":549.875},{"sentences":[{"text":"Perfect.","start":549.875,"end":550.375,"sentiment":"positive","sentiment_score":0.4028421640396118},{"text":"And other assets, I have a motor vehicle right at about 40,000.","start":552.755,"end":557.495,"sentiment":"neutral","sentiment_score":0.11379842273890972},{"text":"Yep.","start":559.17,"end":559.49,"sentiment":"neutral","sentiment_score":0.03423452377319336},{"text":"And owing about 7.","start":559.49,"end":561.03,"sentiment":"neutral","sentiment_score":0.016006491612643003},{"text":"Okay.","start":563.49,"end":563.97003,"sentiment":"neutral","sentiment_score":0.1120309680700302}],"sentiment":"neutral","sentiment_score":0.1041428786947539,"num_words":19,"start":549.875,"end":563.97003},{"sentences":[{"text":"Perfect.","start":563.97003,"end":564.45,"sentiment":"neutral","sentiment_score":0.23488228023052216},{"text":"Offset account about 5,000.","start":565.73,"end":567.83,"sentiment":"neutral","sentiment_score":0.14025911316275597},{"text":"46.","start":573.34503,"end":574.145,"sentiment":"neutral","sentiment_score":0.0679536685347557},{"text":"Perfect.","start":574.145,"end":574.645,"sentiment":"positive","sentiment_score":0.33404380083084106},{"text":"And, also, a investment portfolio where you have a 50% ownership of about 10,000.","start":575.745,"end":585.28503,"sentiment":"neutral","sentiment_score":0.08565271246646132}],"sentiment":"neutral","sentiment_score":0.11414543698940958,"num_words":21,"start":563.97003,"end":585.28503},{"sentences":[{"text":"Yeah.","start":589.25,"end":589.75,"sentiment":"neutral","sentiment_score":-0.01934257335960865},{"text":"Especially the last twelve months, I've definitely seen a bit of fluctuations in the market with everything going on in the world.","start":590.21,"end":595.99,"sentiment":"neutral","sentiment_score":-0.12256978486071933},{"text":"Okay.","start":598.78503,"end":599.28503,"sentiment":"neutral","sentiment_score":-0.0051720477640628815},{"text":"I am.","start":601.265,"end":602.085,"sentiment":"neutral","sentiment_score":0.01571444235742092},{"text":"And is that something you guys just set up and manage yourself?","start":607.185,"end":611.04504,"sentiment":"neutral","sentiment_score":-0.02341793446491162}],"sentiment":"neutral","sentiment_score":-0.07817463728746302,"num_words":38,"start":589.25,"end":611.04504},{"sentences":[{"text":"Okay.","start":617.82996,"end":618.32996,"sentiment":"neutral","sentiment_score":-0.06780467927455902},{"text":"Mhmm.","start":624.485,"end":624.985,"sentiment":"neutral","sentiment_score":-0.015003541484475136},{"text":"Mhmm.","start":630.005,"end":630.505,"sentiment":"neutral","sentiment_score":-0.029269512742757797},{"text":"Mhmm.","start":631.045,"end":631.545,"sentiment":"neutral","sentiment_score":-0.05547117441892624},{"text":"Okay.","start":633.365,"end":633.765,"sentiment":"neutral","sentiment_score":-0.025423794984817505}],"sentiment":"neutral","sentiment_score":-0.03859454058110714,"num_words":5,"start":617.82996,"end":633.765},{"sentences":[{"text":"And who owns the other half?","start":633.765,"end":635.625,"sentiment":"neutral","sentiment_score":-0.01595439917097489},{"text":"Okay.","start":637.38,"end":637.88,"sentiment":"neutral","sentiment_score":0.023668814450502396},{"text":"If it is something that you guys want us to manage or look at for you, just let me know because we can always have a look at it.","start":639.46,"end":648.525,"sentiment":"neutral","sentiment_score":0.07691440076149743},{"text":"Obviously, if we do manage it, there will be, like, management fees associated with it, but we can always do research on different options depending on what it is that you would want to achieve.","start":649.645,"end":662.22504,"sentiment":"neutral","sentiment_score":0.09311002609985215},{"text":"Obviously, if you do own it with your husband, he would have to be involved in that process as well.","start":662.76,"end":668.14,"sentiment":"neutral","sentiment_score":0.05934133175760507}],"sentiment":"neutral","sentiment_score":0.0725729405511539,"num_words":91,"start":633.765,"end":668.14},{"sentences":[{"text":"Okay.","start":669.16003,"end":669.66003,"sentiment":"neutral","sentiment_score":0.15896108746528623},{"text":"But it is something we do do a lot for clients, the different personal investments, investment bonds, whatever it might be.","start":669.72003,"end":676.86005,"sentiment":"neutral","sentiment_score":0.17531151856694902},{"text":"So just have a think about it if it is something at any point that you would like us to review for you.","start":678.025,"end":683.48505,"sentiment":"neutral","sentiment_score":0.05218414201036743},{"text":"It depends on which options you want to do.","start":690.19995,"end":692.36,"sentiment":"neutral","sentiment_score":-0.02809776117404302},{"text":"So some some investment options, depending on what we would look at, there is about 20,000 minimum.","start":692.36,"end":698.45996,"sentiment":"neutral","sentiment_score":-0.01313747575177866}],"sentiment":"neutral","sentiment_score":0.06428903246849356,"num_words":71,"start":669.16003,"end":698.45996},{"sentences":[{"text":"There is some accounts that's a lot lower.","start":699.16,"end":701.56,"sentiment":"neutral","sentiment_score":-0.05965129565447569},{"text":"Some is just like a thousand, a couple of thousand.","start":701.56,"end":704.06,"sentiment":"neutral","sentiment_score":-0.057303552702069285},{"text":"So it there are options for a smaller balance.","start":704.45496,"end":707.915,"sentiment":"neutral","sentiment_score":-0.021572050948937733},{"text":"So it kind of depends on what you guys are wanting, and that would then steer me into which direction.","start":708.375,"end":715.195,"sentiment":"neutral","sentiment_score":0.07270870748907328},{"text":"So what type of accounts to look at, if that makes sense.","start":715.255,"end":719.18,"sentiment":"neutral","sentiment_score":0.013983568642288446}],"sentiment":"neutral","sentiment_score":0.006399705469355745,"num_words":59,"start":699.16,"end":719.18},{"sentences":[{"text":"So it's not too too little to look at.","start":719.18,"end":721.66,"sentiment":"neutral","sentiment_score":-0.0841061994433403},{"text":"12,000, that's still a decent amount.","start":721.66,"end":723.75995,"sentiment":"neutral","sentiment_score":0.11470304103568196},{"text":"Yeah.","start":724.69995,"end":724.94,"sentiment":"neutral","sentiment_score":0.12063951045274734},{"text":"Obviously, have a think about it, have a chat to your husband too.","start":724.94,"end":727.18,"sentiment":"neutral","sentiment_score":0.12506123804129088},{"text":"And if it is something you would like us to look at, just give me a send me an email or give me a call, and we can always book in a bit of a catch up to have a look at that for you.","start":727.18,"end":735.48505,"sentiment":"neutral","sentiment_score":0.14560642209317948}],"sentiment":"neutral","sentiment_score":0.11121604122171128,"num_words":74,"start":719.18,"end":735.48505},{"sentences":[{"text":"Yeah.","start":736.585,"end":737.085,"sentiment":"neutral","sentiment_score":0.12163843214511871},{"text":"Otherwise, do you also have some employee shares for about $350?","start":737.54504,"end":742.445,"sentiment":"neutral","sentiment_score":0.06350389986552975},{"text":"Yeah.","start":744.3,"end":744.8,"sentiment":"neutral","sentiment_score":-0.16492442786693573},{"text":"Okay.","start":744.86,"end":745.36,"sentiment":"neutral","sentiment_score":-0.16229355335235596},{"text":"Oh, okay.","start":750.06,"end":751.2,"sentiment":"neutral","sentiment_score":-0.11183298751711845}],"sentiment":"neutral","sentiment_score":0.016831085900776088,"num_words":16,"start":736.585,"end":751.2},{"sentences":[{"text":"That disappeared.","start":751.98,"end":753.27997,"sentiment":"neutral","sentiment_score":-0.1895216554403305},{"text":"Yeah.","start":753.5,"end":754.0,"sentiment":"neutral","sentiment_score":-0.0922565534710884},{"text":"Yeah.","start":754.3,"end":754.8,"sentiment":"neutral","sentiment_score":-0.02849632129073143},{"text":"Do you have any other new assets or liabilities or anything in the last 12?","start":756.555,"end":762.015,"sentiment":"neutral","sentiment_score":-0.005422731302678585},{"text":"Yep.","start":762.155,"end":762.655,"sentiment":"neutral","sentiment_score":0.06102428585290909}],"sentiment":"neutral","sentiment_score":-0.026005643466487528,"num_words":20,"start":751.98,"end":762.655},{"sentences":[{"text":"Nice.","start":770.57,"end":771.05,"sentiment":"neutral","sentiment_score":0.09243421256542206},{"text":"Oh, yeah.","start":771.05,"end":771.79004,"sentiment":"neutral","sentiment_score":0.036909252405166626},{"text":"Oh, nice.","start":773.85004,"end":774.51,"sentiment":"neutral","sentiment_score":0.30109912157058716},{"text":"Oh, that's exciting.","start":777.21,"end":778.17004,"sentiment":"positive","sentiment_score":0.4584779143333435},{"text":"Is that local or interstate?","start":778.17004,"end":779.95,"sentiment":"neutral","sentiment_score":0.07726086527109147}],"sentiment":"neutral","sentiment_score":0.19462992537480134,"num_words":13,"start":770.57,"end":779.95},{"sentences":[{"text":"Yes.","start":785.565,"end":786.065,"sentiment":"neutral","sentiment_score":-0.0029631946235895157},{"text":"Ah, yeah.","start":790.60504,"end":791.085,"sentiment":"neutral","sentiment_score":0.08582302927970886},{"text":"Perfect.","start":791.085,"end":791.585,"sentiment":"neutral","sentiment_score":0.2833825647830963},{"text":"And do you know how much the land is valued at right now?","start":791.80505,"end":796.87,"sentiment":"neutral","sentiment_score":0.07045823507584058},{"text":"Like, obviously, because you haven't started building or what you bought it for, basically.","start":796.87,"end":801.13,"sentiment":"neutral","sentiment_score":0.03278111160865852}],"sentiment":"neutral","sentiment_score":0.05893413055567972,"num_words":31,"start":785.565,"end":801.13},{"sentences":[{"text":"$2.50.","start":801.59,"end":802.33,"sentiment":"neutral","sentiment_score":0.03010195679962635},{"text":"And do you have an estimate for when it's completed?","start":803.19,"end":806.49,"sentiment":"neutral","sentiment_score":0.02415293324738741},{"text":"Alright.","start":809.96497,"end":810.125,"sentiment":"neutral","sentiment_score":0.05709035694599152},{"text":"Yep.","start":810.125,"end":810.52496,"sentiment":"neutral","sentiment_score":0.04895830154418945},{"text":"And rough value of when you have the house on top of the land?","start":810.52496,"end":814.545,"sentiment":"neutral","sentiment_score":0.03913589872952018}],"sentiment":"neutral","sentiment_score":0.03428083444359126,"num_words":27,"start":801.59,"end":814.545},{"sentences":[{"text":"Got $6.80.","start":819.5,"end":820.56,"sentiment":"neutral","sentiment_score":0.020395753905177116},{"text":"Okay.","start":820.7,"end":821.2,"sentiment":"neutral","sentiment_score":0.03581693023443222},{"text":"One completed.","start":821.34,"end":822.16,"sentiment":"neutral","sentiment_score":0.046095529571175575},{"text":"And how much do you have on the mortgage?","start":822.3,"end":827.12,"sentiment":"neutral","sentiment_score":0.02470450641380416},{"text":"Mhmm.","start":829.82,"end":830.32,"sentiment":"neutral","sentiment_score":0.006788705475628376}],"sentiment":"neutral","sentiment_score":0.026528584025800227,"num_words":15,"start":819.5,"end":830.32},{"sentences":[{"text":"Yep.","start":841.115,"end":841.615,"sentiment":"neutral","sentiment_score":0.03518572077155113},{"text":"$5.08 when it's, like, completed.","start":843.93,"end":845.38995,"sentiment":"neutral","sentiment_score":0.03266069814562798},{"text":"Yep.","start":846.49,"end":846.88995,"sentiment":"neutral","sentiment_score":0.04303240031003952},{"text":"Okay.","start":846.88995,"end":847.20996,"sentiment":"neutral","sentiment_score":0.07799609750509262},{"text":"Perfect.","start":847.20996,"end":847.70996,"sentiment":"neutral","sentiment_score":0.15170243382453918}],"sentiment":"neutral","sentiment_score":0.05235779368215137,"num_words":9,"start":841.115,"end":847.70996},{"sentences":[{"text":"Any other changes?","start":848.97,"end":850.18994,"sentiment":"neutral","sentiment_score":0.07400215913852055},{"text":"No.","start":852.64996,"end":852.97,"sentiment":"neutral","sentiment_score":-0.09939581155776978},{"text":"Perfect.","start":852.97,"end":853.47,"sentiment":"neutral","sentiment_score":0.011951565742492676},{"text":"And health and lifestyle wise, I have you down here as a nonsmoker.","start":854.17,"end":857.94995,"sentiment":"neutral","sentiment_score":-0.022921951917501595},{"text":"That's still the case?","start":858.66504,"end":859.805,"sentiment":"neutral","sentiment_score":-0.030396122951060534}],"sentiment":"neutral","sentiment_score":-0.012954892505976286,"num_words":22,"start":848.97,"end":859.805},{"sentences":[{"text":"Yep.","start":860.745,"end":861.065,"sentiment":"neutral","sentiment_score":0.051288243383169174},{"text":"Perfect.","start":861.065,"end":861.54504,"sentiment":"neutral","sentiment_score":0.15517763793468475},{"text":"And have you had any changes to your health or any injuries or anything in the last twelve months?","start":861.54504,"end":866.84503,"sentiment":"neutral","sentiment_score":0.028188170276974376},{"text":"Nope.","start":868.10504,"end":868.505,"sentiment":"neutral","sentiment_score":-0.015649734064936638},{"text":"Perfect.","start":868.505,"end":869.005,"sentiment":"neutral","sentiment_score":0.09940066933631896}],"sentiment":"neutral","sentiment_score":0.03590400225442389,"num_words":23,"start":860.745,"end":869.005},{"sentences":[{"text":"And do you have private health insurance?","start":869.945,"end":871.965,"sentiment":"neutral","sentiment_score":0.016921988156225},{"text":"Yep.","start":873.49,"end":873.73,"sentiment":"neutral","sentiment_score":0.019545279443264008},{"text":"And that is hospital as well?","start":873.73,"end":875.67,"sentiment":"neutral","sentiment_score":0.01937100477516651},{"text":"Yep.","start":876.61,"end":877.08997,"sentiment":"neutral","sentiment_score":0.04416767507791519},{"text":"Perfect.","start":877.08997,"end":877.58997,"sentiment":"neutral","sentiment_score":0.145268052816391}],"sentiment":"neutral","sentiment_score":0.027728809567634016,"num_words":16,"start":869.945,"end":877.58997},{"sentences":[{"text":"Estate planning wise, we've already kind of touched on the beneficiaries.","start":879.01,"end":882.23,"sentiment":"neutral","sentiment_score":0.04460912401025945},{"text":"But, otherwise, do you guys have a will or power of attorney in place or anything like that?","start":882.37,"end":887.025,"sentiment":"neutral","sentiment_score":-0.05195533246215847},{"text":"No.","start":888.145,"end":888.645,"sentiment":"neutral","sentiment_score":-0.22018343210220337},{"text":"That's okay.","start":889.505,"end":890.325,"sentiment":"neutral","sentiment_score":-0.13812406361103058},{"text":"Do you know someone that you guys would have a talk through, or would you like us to send you some brochures and some pricing of a firm that we work with and how much they would charge for a will and stuff.","start":891.025,"end":905.76,"sentiment":"neutral","sentiment_score":-0.04658731883175151}],"sentiment":"neutral","sentiment_score":-0.03925575852394104,"num_words":75,"start":879.01,"end":905.76},{"sentences":[{"text":"You know someone?","start":905.98,"end":906.88,"sentiment":"neutral","sentiment_score":-0.026974622160196304},{"text":"Okay.","start":907.42,"end":907.82,"sentiment":"positive","sentiment_score":0.5907069444656372},{"text":"Amazing.","start":907.82,"end":908.32,"sentiment":"positive","sentiment_score":0.839667558670044},{"text":"Perfect.","start":908.38,"end":908.88,"sentiment":"positive","sentiment_score":0.8058688044548035},{"text":"Otherwise, when it comes to kind of goals, stuff that you are working towards, at annual review time, it is good to to always have a bit of a reassess to be like, okay.","start":910.3,"end":918.435,"sentiment":"neutral","sentiment_score":0.2596809193491936}],"sentiment":"neutral","sentiment_score":0.27461176747456195,"num_words":40,"start":905.98,"end":918.435},{"sentences":[{"text":"What happened in the last twelve months?","start":918.435,"end":919.955,"sentiment":"neutral","sentiment_score":0.05136828390615327},{"text":"What were we goal?","start":919.955,"end":920.835,"sentiment":"neutral","sentiment_score":0.10846426151692867},{"text":"How were we tracking?","start":920.835,"end":921.715,"sentiment":"neutral","sentiment_score":0.1186060793697834},{"text":"And what are we trying to focus on moving forward?","start":921.715,"end":924.135,"sentiment":"neutral","sentiment_score":0.17957200929522515},{"text":"So I can say here that the goal was through buying a property, which you guys did, obviously, so that is really good.","start":925.395,"end":931.815,"sentiment":"positive","sentiment_score":0.3717130801599959}],"sentiment":"neutral","sentiment_score":0.24193708932337663,"num_words":48,"start":918.435,"end":931.815},{"sentences":[{"text":"Is there anything else that you are working towards that you're kind of wanting to achieve in the next twelve months?","start":933.36,"end":939.6,"sentiment":"neutral","sentiment_score":0.26439644183431354},{"text":"Obviously, the build is obviously a bit of a thing.","start":939.6,"end":943.45996,"sentiment":"neutral","sentiment_score":0.07457810007035733},{"text":"Mhmm.","start":943.935,"end":944.435,"sentiment":"neutral","sentiment_score":0.08730807900428772},{"text":"Yep.","start":949.9425,"end":950.4425,"sentiment":"neutral","sentiment_score":0.13308760523796082},{"text":"Yep.","start":956.91003,"end":957.23004,"sentiment":"neutral","sentiment_score":0.20683562755584717}],"sentiment":"neutral","sentiment_score":0.19780404679477215,"num_words":34,"start":933.36,"end":957.23004},{"sentences":[{"text":"Perfect.","start":957.23004,"end":957.73004,"sentiment":"positive","sentiment_score":0.4599366784095764},{"text":"Yeah.","start":960.27,"end":960.75,"sentiment":"neutral","sentiment_score":0.11514359712600708},{"text":"Well, especially being so new with the investment property and everything is comes in and you get it rented out, and you can kind of get an, you know, gauge of where things are at.","start":960.75,"end":970.69,"sentiment":"neutral","sentiment_score":0.11065723534141268},{"text":"Yep.","start":971.775,"end":972.275,"sentiment":"neutral","sentiment_score":0.08814584463834763},{"text":"Perfect.","start":973.375,"end":973.875,"sentiment":"neutral","sentiment_score":0.257453978061676}],"sentiment":"neutral","sentiment_score":0.1229149573124372,"num_words":39,"start":957.23004,"end":973.875},{"sentences":[{"text":"Anything else?","start":974.015,"end":974.995,"sentiment":"neutral","sentiment_score":0.10894062742590904},{"text":"No.","start":979.215,"end":979.715,"sentiment":"neutral","sentiment_score":-0.06403152644634247},{"text":"That's all good.","start":980.735,"end":981.775,"sentiment":"neutral","sentiment_score":0.0008017495274543762},{"text":"Yep.","start":981.775,"end":982.275,"sentiment":"neutral","sentiment_score":-0.036336060613393784},{"text":"Mhmm.","start":984.67004,"end":985.17004,"sentiment":"neutral","sentiment_score":-0.06188337877392769}],"sentiment":"neutral","sentiment_score":0.007254442200064659,"num_words":8,"start":974.015,"end":985.17004},{"sentences":[{"text":"No.","start":1008.7,"end":1008.94,"sentiment":"neutral","sentiment_score":-0.13636676967144012},{"text":"Not with Netwealth because often obviously, you can never guarantee anything.","start":1008.94,"end":1012.77997,"sentiment":"neutral","sentiment_score":-0.1325236911123449},{"text":"But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other companies as well.","start":1012.77997,"end":1020.77997,"sentiment":"neutral","sentiment_score":-0.048539379969812356},{"text":"But then often as well, it's it's structured and managed very differently.","start":1020.77997,"end":1025.465,"sentiment":"neutral","sentiment_score":-0.07455132218698661},{"text":"So if anything were to happen to Netwealth, like, you still have investments in a lot of different investments that we could just transfer to somewhere else.","start":1025.925,"end":1033.625,"sentiment":"neutral","sentiment_score":-0.014624944801821752}],"sentiment":"neutral","sentiment_score":-0.05383948866253743,"num_words":77,"start":1008.7,"end":1033.625},{"sentences":[{"text":"So if something ever were to happen, it's, like, not your money sitting with Netwealth.","start":1033.925,"end":1037.94,"sentiment":"neutral","sentiment_score":-0.03182400315999985},{"text":"It is sitting in a range of different investments.","start":1037.94,"end":1040.34,"sentiment":"neutral","sentiment_score":0.013298368495371606},{"text":"So it's not like a managed portfolio managed by Netwealth.","start":1040.34,"end":1043.24,"sentiment":"neutral","sentiment_score":-0.032400826830416916},{"text":"We manage the portfolio for you, and you are then invested in a lot of different, like, ETFs and different options.","start":1043.78,"end":1050.36,"sentiment":"neutral","sentiment_score":0.1265396284205573},{"text":"So it does kind of spread all of that very differently through then, for example, with Colonial First State.","start":1050.635,"end":1056.7351,"sentiment":"neutral","sentiment_score":0.0112331717422134}],"sentiment":"neutral","sentiment_score":0.029582154874161288,"num_words":74,"start":1033.925,"end":1056.7351},{"sentences":[{"text":"If you've ever looked up the super account, for example, or any other industry funds, really, a lot of the investments are, like, a managed fund with them that they manage.","start":1057.1151,"end":1067.31,"sentiment":"neutral","sentiment_score":0.0019087049989931046},{"text":"So you don't really know what's in it or how that's all spread out because it's obviously there.","start":1068.3301,"end":1073.55,"sentiment":"neutral","sentiment_score":-0.16736547690298822},{"text":"Things that you can't actually see what those individual investments are.","start":1073.61,"end":1077.39,"sentiment":"neutral","sentiment_score":-0.1583671976219524},{"text":"But with Netwealth, it is structured very differently.","start":1077.61,"end":1080.43,"sentiment":"neutral","sentiment_score":-0.11196363717317581},{"text":"And we also we can also have a look at your risk and stuff and see how you feel about things.","start":1080.5701,"end":1086.8949,"sentiment":"neutral","sentiment_score":-0.08159428196293968}],"sentiment":"neutral","sentiment_score":-0.08207457215431031,"num_words":89,"start":1057.1151,"end":1086.8949},{"sentences":[{"text":"But in terms of, obviously, anything major have net net wealth is massive and how your super is invested in the different investments do spread that very differently.","start":1086.8949,"end":1096.2749,"sentiment":"neutral","sentiment_score":-0.20558797834174974},{"text":"But it is a valid concern, especially when you do hear a lot of things everywhere and especially in the market and stuff the last twelve months.","start":1097.15,"end":1105.33,"sentiment":"neutral","sentiment_score":-0.08779423352744845},{"text":"So I do completely understand understand that, but it is spread out very differently.","start":1105.47,"end":1109.71,"sentiment":"neutral","sentiment_score":-0.14641284463661058},{"text":"And, yeah, you're not invested in net wealth.","start":1109.71,"end":1111.73,"sentiment":"neutral","sentiment_score":-0.18265547510236502},{"text":"You are invested in a lot of different investments.","start":1112.295,"end":1114.135,"sentiment":"neutral","sentiment_score":-0.10943550119797389}],"sentiment":"neutral","sentiment_score":-0.14677733529445736,"num_words":86,"start":1086.8949,"end":1114.135},{"sentences":[{"text":"It's just kind of the bank account that holds your super, basically.","start":1114.135,"end":1117.3551,"sentiment":"neutral","sentiment_score":-0.06648212391883135},{"text":"Does that make sense?","start":1118.6951,"end":1119.755,"sentiment":"neutral","sentiment_score":0.07974833343178034},{"text":"Yes.","start":1120.935,"end":1121.435,"sentiment":"neutral","sentiment_score":0.11136342585086824},{"text":"But with talking about your superannuation, though, because you are currently invested in an aggressive portfolio.","start":1122.2151,"end":1129.2301,"sentiment":"neutral","sentiment_score":-0.12639264785684645},{"text":"So, obviously, kind of very high risk but reward as well because you do have plenty of time until retirement.","start":1129.77,"end":1136.3501,"sentiment":"neutral","sentiment_score":-0.16726329997181894}],"sentiment":"neutral","sentiment_score":-0.10820711495460204,"num_words":53,"start":1114.135,"end":1136.3501},{"sentences":[{"text":"So what I might do is just run through just a a short version of a risk profile questionnaire just to see if anything has changed with your risk tolerance, if we need to make any changes.","start":1137.6901,"end":1147.575,"sentiment":"neutral","sentiment_score":-0.050186647756679637},{"text":"Think about it is obviously long term for your superannuation as well.","start":1149.235,"end":1153.655,"sentiment":"neutral","sentiment_score":-0.014943461477135619},{"text":"If it doesn't make sense, just let me know.","start":1153.98,"end":1156.16,"sentiment":"neutral","sentiment_score":-0.1158759088979827},{"text":"Now have you ever bought direct shares?","start":1158.46,"end":1161.36,"sentiment":"neutral","sentiment_score":0.005162509357822793},{"text":"Do you know if you have direct shares with your investment account, or is it mainly life managed funds or ETFs?","start":1161.74,"end":1168.48,"sentiment":"neutral","sentiment_score":0.003434740827374515}],"sentiment":"neutral","sentiment_score":-0.03454469258052319,"num_words":86,"start":1137.6901,"end":1168.48},{"sentences":[{"text":"Managed funds.","start":1172.265,"end":1173.225,"sentiment":"neutral","sentiment_score":0.04431784711778164},{"text":"Yep.","start":1173.225,"end":1173.625,"sentiment":"neutral","sentiment_score":0.2123895138502121},{"text":"Perfect.","start":1173.625,"end":1174.125,"sentiment":"positive","sentiment_score":0.5342162847518921},{"text":"And at the moment, are you still kind of planning on retiring at 60 when you can access your super, or do you think you'd wanna work a bit longer?","start":1175.385,"end":1183.005,"sentiment":"neutral","sentiment_score":0.14118730102976162},{"text":"Yeah.","start":1185.78,"end":1186.28,"sentiment":"positive","sentiment_score":0.35370108485221863}],"sentiment":"neutral","sentiment_score":0.15498747453093528,"num_words":35,"start":1172.265,"end":1186.28},{"sentences":[{"text":"Perfect.","start":1186.8201,"end":1187.3201,"sentiment":"positive","sentiment_score":0.5057875514030457},{"text":"And I do have here that, ideally, you'd love to draw a weekly income of about $1,200 per week.","start":1188.74,"end":1195.0,"sentiment":"neutral","sentiment_score":0.28661358278048665},{"text":"Do you think that would still be a a good amount?","start":1195.22,"end":1198.2001,"sentiment":"neutral","sentiment_score":-0.022259495136412708},{"text":"No.","start":1198.665,"end":1199.165,"sentiment":"neutral","sentiment_score":-0.07297617197036743},{"text":"How much do you 1,500?","start":1199.2251,"end":1202.905,"sentiment":"neutral","sentiment_score":-0.03247585520148277}],"sentiment":"neutral","sentiment_score":0.14787123593929652,"num_words":37,"start":1186.8201,"end":1202.905},{"sentences":[{"text":"Yep.","start":1202.905,"end":1203.305,"sentiment":"neutral","sentiment_score":0.07517004013061523},{"text":"Perfect.","start":1203.305,"end":1203.805,"sentiment":"neutral","sentiment_score":0.23087002336978912},{"text":"That is, to be fair, what most people say as well.","start":1204.185,"end":1206.765,"sentiment":"neutral","sentiment_score":0.10249423912980339},{"text":"It kind of ranges between 1,000 and 2,000 depending on, obviously, your lifestyle.","start":1206.905,"end":1213.245,"sentiment":"neutral","sentiment_score":0.03921367313999396},{"text":"Yep.","start":1215.58,"end":1216.08,"sentiment":"neutral","sentiment_score":0.062217529863119125}],"sentiment":"neutral","sentiment_score":0.07427673980041787,"num_words":27,"start":1202.905,"end":1216.08},{"sentences":[{"text":"Yep.","start":1216.14,"end":1216.64,"sentiment":"neutral","sentiment_score":0.0680910050868988},{"text":"And often as well, most people's goal is, well, by the time you retire, ideally, have your property paid off so that you don't have, like, the mortgage, and then it would just be kind of other expenses and stuff to worry about.","start":1217.02,"end":1228.265,"sentiment":"neutral","sentiment_score":0.051871111140001654},{"text":"But I will just change it to that 1,700.","start":1228.805,"end":1233.305,"sentiment":"neutral","sentiment_score":0.006704119965434074},{"text":"Otherwise, when it comes to how much risk you're willing to take for your superannuation, would you say that you are happy to accept very high risk, high, moderate, or a small amount of risk for your super?","start":1233.525,"end":1248.35,"sentiment":"neutral","sentiment_score":0.031246129692973273},{"text":"Okay.","start":1252.25,"end":1252.6499,"sentiment":"neutral","sentiment_score":-0.003283930942416191}],"sentiment":"neutral","sentiment_score":0.038510378925939615,"num_words":92,"start":1216.14,"end":1252.6499},{"sentences":[{"text":"And if you had to choose one, which one would you lean more towards?","start":1252.6499,"end":1256.35,"sentiment":"neutral","sentiment_score":0.015602907565023218},{"text":"Very high?","start":1258.615,"end":1259.175,"sentiment":"neutral","sentiment_score":0.015192009508609772},{"text":"Yep.","start":1259.175,"end":1259.5751,"sentiment":"neutral","sentiment_score":0.0858953520655632},{"text":"Perfect.","start":1259.5751,"end":1260.0751,"sentiment":"neutral","sentiment_score":0.2123183310031891},{"text":"And in terms of volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start":1262.215,"end":1278.83,"sentiment":"neutral","sentiment_score":-0.1970453605447945}],"sentiment":"neutral","sentiment_score":-0.12394080879831952,"num_words":56,"start":1252.6499,"end":1278.83},{"sentences":[{"text":"So not, like, one particular investment that's gone bad, just kind of the market as a whole.","start":1278.83,"end":1283.81,"sentiment":"negative","sentiment_score":-0.38139213008039136},{"text":"Would you if you have yeah.","start":1284.27,"end":1286.53,"sentiment":"neutral","sentiment_score":-0.03449609316885471},{"text":"Yeah.","start":1289.385,"end":1289.785,"sentiment":"neutral","sentiment_score":0.13353285193443298},{"text":"Exactly.","start":1289.785,"end":1290.285,"sentiment":"neutral","sentiment_score":0.20082268118858335},{"text":"So would you say that if you had the option to do so, you would think that now is potentially a good time to invest a little bit more while the prices are down?","start":1290.505,"end":1298.845,"sentiment":"neutral","sentiment_score":0.2706341329304611}],"sentiment":"neutral","sentiment_score":0.04822497088777817,"num_words":59,"start":1278.83,"end":1298.845},{"sentences":[{"text":"Would you kind of be, yeah, and would you invest heavily or modestly if you had the option to do so?","start":1299.225,"end":1305.9401,"sentiment":"neutral","sentiment_score":0.11910893626156308},{"text":"Yep.","start":1313.445,"end":1313.945,"sentiment":"neutral","sentiment_score":0.17659500241279602},{"text":"Okay.","start":1314.4049,"end":1314.885,"sentiment":"neutral","sentiment_score":0.3298761248588562},{"text":"Perfect.","start":1314.885,"end":1315.385,"sentiment":"positive","sentiment_score":0.49262040853500366},{"text":"And next is in regards to fluctuations.","start":1318.245,"end":1320.985,"sentiment":"neutral","sentiment_score":0.22249468735286168}],"sentiment":"neutral","sentiment_score":0.16315619383127458,"num_words":31,"start":1299.225,"end":1320.985},{"sentences":[{"text":"But if you did see fluctuations in any investments, would you say that would make you feel optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious?","start":1321.845,"end":1335.95,"sentiment":"neutral","sentiment_score":0.1913982793274853},{"text":"Okay.","start":1345.625,"end":1346.125,"sentiment":"neutral","sentiment_score":0.020870359614491463},{"text":"Yes.","start":1352.52,"end":1353.02,"sentiment":"neutral","sentiment_score":-0.008478503674268723},{"text":"Yep.","start":1355.48,"end":1355.98,"sentiment":"neutral","sentiment_score":0.04776469990611077},{"text":"Yeah.","start":1356.04,"end":1356.4401,"sentiment":"neutral","sentiment_score":0.035491734743118286}],"sentiment":"neutral","sentiment_score":0.17464965865947307,"num_words":40,"start":1321.845,"end":1356.4401},{"sentences":[{"text":"No.","start":1356.4401,"end":1356.68,"sentiment":"neutral","sentiment_score":-0.0251079760491848},{"text":"That's that's perfect.","start":1356.68,"end":1358.4601,"sentiment":"neutral","sentiment_score":0.31622018416722614},{"text":"And last is in regards to borrowing money.","start":1359.56,"end":1361.56,"sentiment":"neutral","sentiment_score":0.04119612113572657},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1361.56,"end":1365.9,"sentiment":"neutral","sentiment_score":0.03493759793539842},{"text":"Yep.","start":1368.1051,"end":1368.6051,"sentiment":"neutral","sentiment_score":0.08151915669441223}],"sentiment":"neutral","sentiment_score":0.0663823096879891,"num_words":28,"start":1356.4401,"end":1368.6051},{"sentences":[{"text":"Yep.","start":1368.905,"end":1369.405,"sentiment":"neutral","sentiment_score":0.021962732076644897},{"text":"Yeah.","start":1378.6799,"end":1379.1799,"sentiment":"neutral","sentiment_score":0.0059408098459243774},{"text":"Bit of tax deductions there.","start":1379.6399,"end":1381.26,"sentiment":"neutral","sentiment_score":0.025448908656835557},{"text":"Yeah.","start":1382.2799,"end":1382.7799,"sentiment":"neutral","sentiment_score":0.09022347629070282},{"text":"And, also, obviously, with the investment properties, when you guys do do your tax return for everything with that as well, you should see do some nice deductions as well.","start":1383.32,"end":1393.6599,"sentiment":"neutral","sentiment_score":0.17698343992233276}],"sentiment":"neutral","sentiment_score":0.14618091471493244,"num_words":38,"start":1368.905,"end":1393.6599},{"sentences":[{"text":"And now, Lucy, that tells me here that you have come out as a aggressive investor, which is the portfolio we have you invested in.","start":1394.285,"end":1401.1849,"sentiment":"neutral","sentiment_score":0.1179270675778389},{"text":"Are you still quite comfortable, for the time being anyway, with kind of being in an aggressive portfolio?","start":1401.405,"end":1406.625,"sentiment":"neutral","sentiment_score":0.07195946677691406},{"text":"Yep.","start":1406.6849,"end":1407.085,"sentiment":"neutral","sentiment_score":0.2936577796936035},{"text":"Amazing.","start":1407.085,"end":1407.585,"sentiment":"positive","sentiment_score":0.6182235479354858},{"text":"And do you have access to your emails at the moment?","start":1409.98,"end":1412.24,"sentiment":"neutral","sentiment_score":0.07700126787478273}],"sentiment":"neutral","sentiment_score":0.10718468510146652,"num_words":56,"start":1394.285,"end":1412.24},{"sentences":[{"text":"Yep.","start":1413.42,"end":1413.66,"sentiment":"neutral","sentiment_score":0.08522181957960129},{"text":"Okay.","start":1413.66,"end":1414.06,"sentiment":"neutral","sentiment_score":0.2479026764631271},{"text":"Perfect.","start":1414.06,"end":1414.46,"sentiment":"positive","sentiment_score":0.5359675884246826},{"text":"So what I have done is I have just sent you an email with some documents to go through, which gives you a bit of an update on super and insurances as well for you.","start":1414.46,"end":1423.425,"sentiment":"neutral","sentiment_score":0.28313433825969697},{"text":"Hopefully, you can soon get into your net worth, and you can look at it during during as well.","start":1423.5851,"end":1428.645,"sentiment":"neutral","sentiment_score":0.275833398103714}],"sentiment":"neutral","sentiment_score":0.28104611381626965,"num_words":57,"start":1413.42,"end":1428.645},{"sentences":[{"text":"But did that one come through okay for you?","start":1429.505,"end":1431.925,"sentiment":"neutral","sentiment_score":0.04149094699985451},{"text":"Yep.","start":1432.2251,"end":1432.625,"sentiment":"neutral","sentiment_score":0.029734548181295395},{"text":"Perfect.","start":1432.625,"end":1433.125,"sentiment":"neutral","sentiment_score":0.1272803097963333},{"text":"Yep.","start":1435.77,"end":1436.01,"sentiment":"neutral","sentiment_score":0.029982207342982292},{"text":"So, actually, before because we have recently changed the software.","start":1436.01,"end":1439.15,"sentiment":"neutral","sentiment_score":0.003723259549587965}],"sentiment":"neutral","sentiment_score":0.027165826537053694,"num_words":22,"start":1429.505,"end":1439.15},{"sentences":[{"text":"So it used to be you click on the link and you see everything.","start":1439.29,"end":1441.79,"sentiment":"neutral","sentiment_score":0.0014035675807722978},{"text":"Now it's kind of changed.","start":1442.17,"end":1443.4501,"sentiment":"neutral","sentiment_score":-0.008579383231699466},{"text":"So if you before you click on the link, so if you go back to the email, you should see a couple of attachments first at the bottom of that email.","start":1443.4501,"end":1452.8251,"sentiment":"neutral","sentiment_score":0.02300244933294673},{"text":"Can you see those?","start":1452.8251,"end":1453.965,"sentiment":"neutral","sentiment_score":0.019181331153959036},{"text":"Yep.","start":1455.385,"end":1455.885,"sentiment":"neutral","sentiment_score":0.025279371067881584}],"sentiment":"neutral","sentiment_score":0.014396975545043295,"num_words":55,"start":1439.29,"end":1455.885},{"sentences":[{"text":"Now can you see one where it says 2025 Vanguard index chart?","start":1456.585,"end":1460.925,"sentiment":"neutral","sentiment_score":0.03252132423222065},{"text":"Yep.","start":1462.265,"end":1462.505,"sentiment":"neutral","sentiment_score":0.09319659322500227},{"text":"Perfect.","start":1462.505,"end":1462.905,"sentiment":"neutral","sentiment_score":0.27548956871032715},{"text":"If you wanna open that one for me.","start":1462.905,"end":1464.84,"sentiment":"neutral","sentiment_score":0.16353807784616947},{"text":"Now you may have seen some seen something like this before, and especially with knowing a little bit about the market, but it is a good visual representation of what we are talking about when we are talking about the market.","start":1467.1599,"end":1478.325,"sentiment":"neutral","sentiment_score":0.0853501422921332}],"sentiment":"neutral","sentiment_score":0.08835876999156815,"num_words":63,"start":1456.585,"end":1478.325},{"sentences":[{"text":"And you can kind of see here that it goes back to 1995 through to 2025, and Vanguard does publish this every year, which is good.","start":1478.4049,"end":1486.0249,"sentiment":"neutral","sentiment_score":0.1533725349089274},{"text":"But it does kind of show you that long term approach that you touched on as well.","start":1486.245,"end":1490.505,"sentiment":"neutral","sentiment_score":0.11843014881014824},{"text":"Long term market always goes up.","start":1490.6449,"end":1493.23,"sentiment":"neutral","sentiment_score":-0.0012387878571947415},{"text":"Short term, there will be some ups and downs and market fluctuations.","start":1493.69,"end":1497.3099,"sentiment":"neutral","sentiment_score":-0.049719144124537706},{"text":"Yep.","start":1499.0499,"end":1499.5499,"sentiment":"neutral","sentiment_score":0.05723755806684494}],"sentiment":"neutral","sentiment_score":0.08797054094893317,"num_words":62,"start":1478.4049,"end":1499.5499},{"sentences":[{"text":"And when it comes to, obviously, how your money is invested in that aggressive portfolio, we typically see about between, like, 90 to a 100 in your growth investments.","start":1499.61,"end":1508.6649,"sentiment":"neutral","sentiment_score":0.09188563556506715},{"text":"So that will be, like, your top four here that you can see, The US shares, Australian shares, international shares, property, and then around five or so in those defensive.","start":1509.2849,"end":1518.6649,"sentiment":"neutral","sentiment_score":0.08879033202926317},{"text":"Limit fluctuations a little bit, but the goal is to grow it as much as possible while you do have plenty of time at your retirement.","start":1518.885,"end":1524.88,"sentiment":"neutral","sentiment_score":0.18864080453148255},{"text":"Yep.","start":1526.06,"end":1526.56,"sentiment":"neutral","sentiment_score":0.03575032949447632},{"text":"Does that all make sense so far?","start":1526.9401,"end":1528.56,"sentiment":"neutral","sentiment_score":0.09243417105504445}],"sentiment":"neutral","sentiment_score":0.11737466491358255,"num_words":93,"start":1499.61,"end":1528.56},{"sentences":[{"text":"Yep.","start":1529.5,"end":1529.9,"sentiment":"positive","sentiment_score":0.3999673724174499},{"text":"Perfect.","start":1529.9,"end":1530.4,"sentiment":"positive","sentiment_score":0.6931685209274292},{"text":"Now what is the next document that you can see on your end just to make it easier?","start":1530.9401,"end":1536.8,"sentiment":"neutral","sentiment_score":0.26053695049550796},{"text":"Yes.","start":1538.875,"end":1539.375,"sentiment":"neutral","sentiment_score":0.08849737793207169},{"text":"So if you can open that one for me.","start":1539.675,"end":1542.8151,"sentiment":"neutral","sentiment_score":0.08412055008941227}],"sentiment":"neutral","sentiment_score":0.22094611103336018,"num_words":30,"start":1529.5,"end":1542.8151},{"sentences":[{"text":"No.","start":1543.355,"end":1543.675,"sentiment":"neutral","sentiment_score":-0.001742672175168991},{"text":"Let me just do it here on my side as well.","start":1543.675,"end":1546.655,"sentiment":"neutral","sentiment_score":0.07080224461176178},{"text":"So this one here, it's just taking a while for me to open it, gives you a breakdown of your investments and your portfolio in Netwealth in the last twelve months.","start":1550.01,"end":1566.4349,"sentiment":"neutral","sentiment_score":0.08109287028351138},{"text":"So we've kind of already touched on that.","start":1566.4349,"end":1567.955,"sentiment":"neutral","sentiment_score":-0.0078008403070271015},{"text":"Obviously, the market has seen a bit of fluctuation in the last twelve months.","start":1567.955,"end":1571.395,"sentiment":"neutral","sentiment_score":-0.12662282745753015}],"sentiment":"neutral","sentiment_score":0.022397456776637296,"num_words":65,"start":1543.355,"end":1571.395},{"sentences":[{"text":"First, obviously, everything in The US did see a bit of movement with Trump and tariffs and everything and also more recently in the war.","start":1571.395,"end":1579.77,"sentiment":"neutral","sentiment_score":-0.07515088930726051},{"text":"So we have seen quite a bit of fluctuation.","start":1580.25,"end":1582.11,"sentiment":"neutral","sentiment_score":-0.052569091526998415},{"text":"And despite all of that, though, your portfolio has still done pretty decent given what's happened in the market and also given that we are in an aggressive portfolio, which short term, you will see a bit of fluctuation.","start":1582.5701,"end":1593.23,"sentiment":"neutral","sentiment_score":0.13072682878909966},{"text":"So you can actually see all the individual investments here.","start":1594.955,"end":1597.755,"sentiment":"neutral","sentiment_score":0.17357020154595376},{"text":"Now I do wanna also point out that did you get our email in regards to the investments which we did for you around the March 13?","start":1597.755,"end":1606.415,"sentiment":"neutral","sentiment_score":0.06186068582314032}],"sentiment":"neutral","sentiment_score":0.055930843627588316,"num_words":110,"start":1571.395,"end":1606.415},{"sentences":[{"text":"It was okay if you didn't.","start":1609.4501,"end":1610.91,"sentiment":"neutral","sentiment_score":-0.025424770700434845},{"text":"Yep.","start":1611.53,"end":1611.77,"sentiment":"neutral","sentiment_score":0.03742195665836334},{"text":"Okay.","start":1611.77,"end":1612.17,"sentiment":"neutral","sentiment_score":0.0997973531484604},{"text":"Perfect.","start":1612.17,"end":1612.67,"sentiment":"neutral","sentiment_score":0.22647391259670255},{"text":"No.","start":1619.9451,"end":1620.185,"sentiment":"neutral","sentiment_score":-0.05434386804699898}],"sentiment":"neutral","sentiment_score":0.015680073015391826,"num_words":10,"start":1609.4501,"end":1620.185},{"sentences":[{"text":"That's okay.","start":1620.185,"end":1620.905,"sentiment":"neutral","sentiment_score":-0.00430133705958724},{"text":"So what it was is it was just for your reference.","start":1620.905,"end":1623.625,"sentiment":"neutral","sentiment_score":0.015117482197555628},{"text":"So it was a record of advice.","start":1623.625,"end":1625.405,"sentiment":"neutral","sentiment_score":0.024987330128039633},{"text":"It wasn't something you had to sign, but it was just your reference.","start":1626.105,"end":1629.165,"sentiment":"neutral","sentiment_score":0.0036605076076319585},{"text":"So, obviously, part of the ongoing portfolio management and investment oversight, we do a lot of research all the time on the investment.","start":1630.185,"end":1636.8401,"sentiment":"neutral","sentiment_score":0.05943522861470347}],"sentiment":"neutral","sentiment_score":0.03119996067835018,"num_words":56,"start":1620.185,"end":1636.8401},{"sentences":[{"text":"And if we ever kind of foresee that is one investment that is kind of underperforming a little bit or not going to our expectations or if we find better options that's going to put you in a better position moving forward, we then wanna make sure that we are proactive in that approach and then make changes.","start":1637.9401,"end":1655.165,"sentiment":"neutral","sentiment_score":-0.005044468582190317},{"text":"So, basically, what that record of advice was was to let you know that we have made one change for you.","start":1655.545,"end":1663.22,"sentiment":"neutral","sentiment_score":0.05143557998928286},{"text":"Just one change, but the one that we did make, which you can see here was the one that was underperforming a little bit, and that was your Benelon Australian equity fund.","start":1664.0,"end":1673.78,"sentiment":"neutral","sentiment_score":-0.04224790702573955},{"text":"That one is a a managed fund, so there is through the goal for them is to try to actively buy and sell different investments in order to try to outperform the market.","start":1674.9349,"end":1684.155,"sentiment":"neutral","sentiment_score":0.01065044291317463},{"text":"They had done really well, and they were one of the best performing fund managers as well.","start":1685.015,"end":1689.6901,"sentiment":"neutral","sentiment_score":0.20322829397285685}],"sentiment":"neutral","sentiment_score":0.0201365254090532,"num_words":161,"start":1637.9401,"end":1689.6901},{"sentences":[{"text":"But more recently, they've kind of been underperforming a little bit been a little bit slower in their approach.","start":1689.6901,"end":1695.31,"sentiment":"neutral","sentiment_score":-0.23703682108929283},{"text":"And after doing a little research, we found another option that was going to be better for you.","start":1696.5701,"end":1701.105,"sentiment":"neutral","sentiment_score":-0.053936918990479574},{"text":"So we have swapped it for the BetaShares Australia two hundred.","start":1701.105,"end":1704.705,"sentiment":"neutral","sentiment_score":0.03729619796980511},{"text":"You may have heard of that one.","start":1704.705,"end":1706.165,"sentiment":"neutral","sentiment_score":0.019060184913022176},{"text":"Yep.","start":1707.585,"end":1708.065,"sentiment":"neutral","sentiment_score":0.0278933048248291}],"sentiment":"neutral","sentiment_score":-0.08755341724359564,"num_words":56,"start":1689.6901,"end":1708.065},{"sentences":[{"text":"Sorry.","start":1708.065,"end":1708.565,"sentiment":"neutral","sentiment_score":-0.013482998125255108},{"text":"That was literally what that record of advice was.","start":1708.945,"end":1711.585,"sentiment":"neutral","sentiment_score":-0.004410997033119202},{"text":"So moving forward as well, you should see a little bit more even though you're an aggressive portfolio, there's still some fluctuations.","start":1711.585,"end":1717.41,"sentiment":"neutral","sentiment_score":0.02852044855667786},{"text":"But the beta share of 200, it is tracking the index of the 200 largest companies.","start":1718.1901,"end":1723.23,"sentiment":"neutral","sentiment_score":0.037409585900604725},{"text":"So, obviously, as the company grows, it gets added to the ETF.","start":1723.23,"end":1726.13,"sentiment":"neutral","sentiment_score":0.03937229964261254}],"sentiment":"neutral","sentiment_score":0.027421481115743516,"num_words":60,"start":1708.065,"end":1726.13},{"sentences":[{"text":"Something smaller comes out.","start":1726.505,"end":1727.9451,"sentiment":"neutral","sentiment_score":0.033631511963903904},{"text":"Still gives you good, well rounded diversification, but not that same kind of frequent active in buying, selling, and which can come at a little bit more of a cost as well.","start":1728.5851,"end":1738.9851,"sentiment":"neutral","sentiment_score":-0.0843334342353046},{"text":"And if it's not outweighing the return, it might not be worth it.","start":1738.9851,"end":1743.2101,"sentiment":"neutral","sentiment_score":-0.2562919087134875},{"text":"Does that make sense?","start":1743.2101,"end":1744.3501,"sentiment":"neutral","sentiment_score":-0.05035899858921766},{"text":"Yeah.","start":1745.2101,"end":1745.6901,"sentiment":"neutral","sentiment_score":0.05772767588496208}],"sentiment":"neutral","sentiment_score":-0.1118453144337292,"num_words":54,"start":1726.505,"end":1745.6901},{"sentences":[{"text":"Perfect.","start":1745.6901,"end":1746.1901,"sentiment":"neutral","sentiment_score":0.17625819146633148},{"text":"But, otherwise, you can see that there have been a pretty good returns aside from the Benelung.","start":1746.89,"end":1751.39,"sentiment":"neutral","sentiment_score":0.1846351340851363},{"text":"You can see that a lot of the other areas are doing really well.","start":1752.0901,"end":1755.6901,"sentiment":"neutral","sentiment_score":0.30210755871874945},{"text":"You can see your Global X battery tech in lithium.","start":1755.6901,"end":1758.305,"sentiment":"neutral","sentiment_score":0.17251704558730124},{"text":"That was about 92%, which is pretty crazy pretty crazy.","start":1758.305,"end":1761.925,"sentiment":"neutral","sentiment_score":0.11618189737200738}],"sentiment":"neutral","sentiment_score":0.20060674466479284,"num_words":52,"start":1745.6901,"end":1761.925},{"sentences":[{"text":"So you can kind of see a bit of a range otherwise, which, yeah, have done pretty good.","start":1763.585,"end":1768.005,"sentiment":"positive","sentiment_score":0.4022459652688768},{"text":"Any questions so far?","start":1769.905,"end":1771.265,"sentiment":"neutral","sentiment_score":0.04012650530785322},{"text":"That all makes sense.","start":1771.265,"end":1772.885,"sentiment":"neutral","sentiment_score":0.0274949437007308},{"text":"Alright.","start":1773.0701,"end":1773.39,"sentiment":"neutral","sentiment_score":0.15594559907913208},{"text":"Perfect.","start":1773.39,"end":1773.89,"sentiment":"neutral","sentiment_score":0.3206266760826111}],"sentiment":"neutral","sentiment_score":0.28526733735842363,"num_words":28,"start":1763.585,"end":1773.89},{"sentences":[{"text":"Now can you also see a what's next for you?","start":1774.8301,"end":1778.93,"sentiment":"neutral","sentiment_score":0.10453489786013961},{"text":"Yes.","start":1784.27,"end":1784.5901,"sentiment":"neutral","sentiment_score":0.07601555436849594},{"text":"Can you open the super insurance summary for me?","start":1784.5901,"end":1787.175,"sentiment":"neutral","sentiment_score":0.05106711925731765},{"text":"Yep.","start":1788.535,"end":1789.035,"sentiment":"neutral","sentiment_score":0.08733879029750824},{"text":"And let me know when that one is loaded.","start":1790.135,"end":1792.135,"sentiment":"neutral","sentiment_score":0.06843765493896273}],"sentiment":"neutral","sentiment_score":0.07614154303446412,"num_words":30,"start":1774.8301,"end":1792.135},{"sentences":[{"text":"Okay?","start":1792.135,"end":1792.635,"sentiment":"neutral","sentiment_score":0.08059412240982056},{"text":"Yeah.","start":1792.935,"end":1793.3351,"sentiment":"neutral","sentiment_score":0.31191587448120117},{"text":"Perfect.","start":1793.3351,"end":1793.8351,"sentiment":"positive","sentiment_score":0.6225447654724121},{"text":"So this one here gives you a bit of a breakdown of your current super and insurances.","start":1793.9751,"end":1798.3151,"sentiment":"neutral","sentiment_score":0.2847549126428716},{"text":"So it does show you in net worth your current balance, and it is at 92,708.","start":1798.935,"end":1805.01,"sentiment":"neutral","sentiment_score":0.22422243561595678}],"sentiment":"neutral","sentiment_score":0.2623179790874322,"num_words":36,"start":1792.135,"end":1805.01},{"sentences":[{"text":"And, obviously, now you being back working and stuff as well with, obviously, contributions that would should see a bit of a bit of a bump there as well, which is good, especially more so if you do go up to five five days, but even at just four days, you are obviously getting those contributions, which is great.","start":1805.47,"end":1822.055,"sentiment":"neutral","sentiment_score":0.2702468888108003},{"text":"Now you then also have your insurances listed underneath that, and you do have insurances with Neos.","start":1822.675,"end":1830.135,"sentiment":"neutral","sentiment_score":0.19040834071005092},{"text":"So you do have, at the moment, that you are covered for life and TPD of 823,490.","start":1831.03,"end":1839.61,"sentiment":"neutral","sentiment_score":0.10400553529753405},{"text":"Now are you still happy with that level of cover?","start":1840.55,"end":1843.37,"sentiment":"neutral","sentiment_score":0.16722227707505227},{"text":"Because, you know, obviously, you bought the investment property.","start":1843.6849,"end":1845.845,"sentiment":"neutral","sentiment_score":0.05548269136084451}],"sentiment":"neutral","sentiment_score":0.20643901183003827,"num_words":112,"start":1805.47,"end":1845.845},{"sentences":[{"text":"Are you still kind of comfortable with the level of cover you do have?","start":1845.845,"end":1850.585,"sentiment":"neutral","sentiment_score":0.0125167669196214},{"text":"Yep.","start":1854.725,"end":1855.0449,"sentiment":"neutral","sentiment_score":0.07741090655326843},{"text":"And if anything were to happen, a lot of it, obviously, depends on what your goals are, but a lot of people don't factor in necessarily a mortgage on an investment property.","start":1855.0449,"end":1862.7,"sentiment":"neutral","sentiment_score":0.0074300316628068686},{"text":"Because if something ever were to happen, then worst comes to worst, you could sell the investment property.","start":1863.8,"end":1870.04,"sentiment":"neutral","sentiment_score":-0.07640993470946948},{"text":"What you have at the moment does clear out your mortgage completely so at least you don't have to worry about that if you move in.","start":1870.04,"end":1876.925,"sentiment":"neutral","sentiment_score":0.07412829937843177}],"sentiment":"neutral","sentiment_score":0.011454545227544648,"num_words":91,"start":1845.845,"end":1876.925},{"sentences":[{"text":"And that way, you still give a little bit of extra money as well if something were to happen to assist with, you know, living expenses and stuff like that.","start":1877.945,"end":1885.26,"sentiment":"neutral","sentiment_score":0.15873491242527962},{"text":"Yep.","start":1886.38,"end":1886.88,"sentiment":"neutral","sentiment_score":0.10222870111465454},{"text":"Now you also have an income protection policy, and that will pay you a monthly amount of 5,000 562.","start":1887.8201,"end":1895.36,"sentiment":"neutral","sentiment_score":0.10940038530450118},{"text":"And at the moment, it is pretty spot on actually what your income's at because you can only get paid up to 70% of your income at the time of claim.","start":1896.06,"end":1906.4551,"sentiment":"neutral","sentiment_score":0.10496102537839644},{"text":"And at 96,000, it's about 5,600.","start":1906.995,"end":1910.755,"sentiment":"neutral","sentiment_score":0.0660880481203397}],"sentiment":"neutral","sentiment_score":0.121760959426562,"num_words":87,"start":1877.945,"end":1910.755},{"sentences":[{"text":"So very close to what you have, which is great because that sometimes the yeah.","start":1910.755,"end":1915.02,"sentiment":"positive","sentiment_score":0.41285411616166434},{"text":"Now with your income protection, you do have a thirty day waiting period, and then it goes all the way up to the age of 65 if something were to happen.","start":1916.44,"end":1923.98,"sentiment":"neutral","sentiment_score":0.12454344284149908},{"text":"All those three structured and paid from within superannuation, so you don't pay for anything out of pocket.","start":1926.535,"end":1931.995,"sentiment":"neutral","sentiment_score":0.3099311764041583},{"text":"You do get a 15% tax rebate.","start":1932.295,"end":1934.955,"sentiment":"neutral","sentiment_score":0.31492712242262705},{"text":"So after that, it's about 3,156.","start":1935.015,"end":1938.39,"sentiment":"neutral","sentiment_score":0.20047676314910254}],"sentiment":"neutral","sentiment_score":0.24726974131999077,"num_words":77,"start":1910.755,"end":1938.39},{"sentences":[{"text":"Yep.","start":1940.47,"end":1940.9501,"sentiment":"positive","sentiment_score":0.340338796377182},{"text":"Now the certificate of currency, it basically shows you your insurances again just in a bit more detail and let you know that's all paid and up to date.","start":1940.9501,"end":1948.41,"sentiment":"neutral","sentiment_score":0.2881820448513689},{"text":"And then the last two you should see is a financial services guide version four and an OQV services guide version one.","start":1950.0701,"end":1958.575,"sentiment":"neutral","sentiment_score":0.07309346696869894},{"text":"I will let you have a read over them in your own time.","start":1958.575,"end":1961.1349,"sentiment":"neutral","sentiment_score":0.12116154913718884},{"text":"You would have seen these a couple of times.","start":1961.1349,"end":1962.995,"sentiment":"neutral","sentiment_score":0.09607286999622981}],"sentiment":"neutral","sentiment_score":0.17223554512334838,"num_words":74,"start":1940.47,"end":1962.995},{"sentences":[{"text":"It is one of those compliance documents, but it does give you all the important information that you do need to know about us in there.","start":1963.695,"end":1970.2101,"sentiment":"neutral","sentiment_score":0.18348936679271552},{"text":"None of the important information has changed, but we've had a bit of an update to marketing, which is great.","start":1970.51,"end":1975.15,"sentiment":"neutral","sentiment_score":0.23904509507119656},{"text":"So if you do go back and have a bit of a read over it, you will see a bit of an update to photos, which is great, a bit of an extension to the team as well.","start":1975.15,"end":1982.8551,"sentiment":"positive","sentiment_score":0.34980971915157216},{"text":"And if you do have a look over it, you will see myself there as well if you do wanna put a face to the voice.","start":1982.915,"end":1988.135,"sentiment":"neutral","sentiment_score":0.1678771714751537},{"text":"Yep.","start":1989.635,"end":1990.135,"sentiment":"neutral","sentiment_score":0.1905038356781006}],"sentiment":"neutral","sentiment_score":0.24684418972816552,"num_words":111,"start":1963.695,"end":1990.135},{"sentences":[{"text":"Now the last thing is just if you're happy to do so is now to click on that link where it says sign now, and it will ask you to sign a couple of those documents.","start":1991.01,"end":2001.1901,"sentiment":"neutral","sentiment_score":0.14593446834219825},{"text":"Now it what it will ask you to sign, it is is the first one you can see authorization to search for lost super.","start":2003.1051,"end":2010.5651,"sentiment":"neutral","sentiment_score":0.07521191611886024},{"text":"Yep.","start":2012.305,"end":2012.805,"sentiment":"neutral","sentiment_score":0.10013951361179352},{"text":"Basically, what this is is we like to do it every now and then just to be safe, but it lets us search with the ATO.","start":2012.9451,"end":2018.74,"sentiment":"neutral","sentiment_score":0.12551905823728213},{"text":"If you ever have any old super funds open that you might not know about or whether an employer may have put one contribution or something elsewhere, it just lets us search it with the ATO.","start":2019.36,"end":2029.4401,"sentiment":"neutral","sentiment_score":0.09986804306714071}],"sentiment":"neutral","sentiment_score":0.11396432053146323,"num_words":123,"start":1991.01,"end":2029.4401},{"sentences":[{"text":"And if so, we'll get a bit of a hit to say you have something.","start":2029.4401,"end":2032.9,"sentiment":"neutral","sentiment_score":0.16113199989000956},{"text":"We can then do research and see if we want to obviously consolidate on what to do with it.","start":2033.175,"end":2037.0951,"sentiment":"neutral","sentiment_score":0.2562675405489771},{"text":"So it's just good to do every now and then.","start":2037.0951,"end":2039.115,"sentiment":"positive","sentiment_score":0.5522304832935333},{"text":"You also have a tax file number form that's just just another compliance form just to say we are keeping your tax file number secure and safe on file.","start":2040.8551,"end":2050.08,"sentiment":"positive","sentiment_score":0.42081808632817763},{"text":"And then the last thing there should be just your ongoing service agreement with Netwealth, and that's just to say that you are happy to stay on as a client.","start":2050.94,"end":2060.24,"sentiment":"positive","sentiment_score":0.5833984722693761}],"sentiment":"positive","sentiment_score":0.41275773566324736,"num_words":103,"start":2029.4401,"end":2060.24},{"sentences":[{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":2060.875,"end":2064.655,"sentiment":"neutral","sentiment_score":0.13833070049683252},{"text":"That stays exactly the same at 1.65, so no changes in regards to that.","start":2064.7952,"end":2070.2551,"sentiment":"neutral","sentiment_score":0.18219851649233273},{"text":"And it is not a lock in contract.","start":2070.3152,"end":2072.235,"sentiment":"neutral","sentiment_score":0.02969544008374214},{"text":"So if at any point in time, you are not happy and not a lock in contract at all.","start":2072.235,"end":2076.63,"sentiment":"neutral","sentiment_score":-0.02587107019989114},{"text":"So this just lets us service your account and manage everything for you in the meantime.","start":2076.7898,"end":2080.5698,"sentiment":"neutral","sentiment_score":0.32586967665702105}],"sentiment":"neutral","sentiment_score":0.13290834275708682,"num_words":69,"start":2060.875,"end":2080.5698},{"sentences":[{"text":"Does that all make sense?","start":2080.71,"end":2082.0098,"sentiment":"neutral","sentiment_score":0.1711142838001251},{"text":"Yep.","start":2082.7898,"end":2083.2898,"sentiment":"neutral","sentiment_score":0.18425945937633512},{"text":"And once you've added all the signature on those three documents, it should say validate or update.","start":2083.5898,"end":2090.49,"sentiment":"neutral","sentiment_score":0.19410304812824025},{"text":"And then once you press that, it should then send it back to me.","start":2092.805,"end":2097.385,"sentiment":"neutral","sentiment_score":0.15106826169150217},{"text":"I'll just have a little refresh and see if that'll come through.","start":2100.2449,"end":2103.045,"sentiment":"neutral","sentiment_score":0.15050104136268297}],"sentiment":"neutral","sentiment_score":0.1685826705426586,"num_words":49,"start":2080.71,"end":2103.045},{"sentences":[{"text":"Sometimes with Internet, it's a bit slow.","start":2103.045,"end":2105.4648,"sentiment":"neutral","sentiment_score":-0.24221123116356985},{"text":"It's been a little bit slow today, probably because of the weather.","start":2108.1702,"end":2111.1501,"sentiment":"neutral","sentiment_score":-0.21187461664279303},{"text":"Yesterday was worse.","start":2114.1702,"end":2115.29,"sentiment":"neutral","sentiment_score":-0.25463709235191345},{"text":"So now like I said as well, I will get the team to email you out those beneficiary forms.","start":2115.29,"end":2124.4648,"sentiment":"neutral","sentiment_score":0.20901554626853844},{"text":"That way you do have it in your inbox.","start":2124.4648,"end":2126.565,"sentiment":"positive","sentiment_score":0.37953411870532566}],"sentiment":"neutral","sentiment_score":0.04770434305071831,"num_words":50,"start":2103.045,"end":2126.565},{"sentences":[{"text":"If you have any questions about who to nominate or anything like that, just let me know.","start":2127.585,"end":2133.685,"sentiment":"neutral","sentiment_score":0.20665860526701985},{"text":"But, yes, your husband is completely tax free, and at the moment, your children are too.","start":2133.7449,"end":2138.19,"sentiment":"positive","sentiment_score":0.4227927941828966},{"text":"And then when you do get your ID, if you could just click that through as well, that'd be great.","start":2138.65,"end":2143.15,"sentiment":"neutral","sentiment_score":0.3202794104814529},{"text":"Yep.","start":2144.5698,"end":2144.73,"sentiment":"neutral","sentiment_score":0.06290384382009506},{"text":"And if anything does change and you do wanna talk about investments or anything like that at any point in time, doesn't have to wait to end your review time.","start":2144.73,"end":2151.645,"sentiment":"neutral","sentiment_score":0.11829146357874075}],"sentiment":"neutral","sentiment_score":0.2416085352056793,"num_words":84,"start":2127.585,"end":2151.645},{"sentences":[{"text":"You can give me a call or send me an email whenever you want to, and we can always book you in for a bit of a catch up.","start":2151.645,"end":2156.3052,"sentiment":"neutral","sentiment_score":0.24264337893190055},{"text":"Perfect.","start":2157.885,"end":2158.385,"sentiment":"positive","sentiment_score":0.7785013914108276},{"text":"That's okay.","start":2158.5251,"end":2159.405,"sentiment":"positive","sentiment_score":0.5624539703130722},{"text":"Do you have any other questions before I let you go and enjoy the rest of your afternoon otherwise?","start":2159.405,"end":2163.5051,"sentiment":"positive","sentiment_score":0.3701191560218209},{"text":"No.","start":2165.08,"end":2165.4,"sentiment":"neutral","sentiment_score":0.1339186728000641}],"sentiment":"neutral","sentiment_score":0.3097355761207067,"num_words":52,"start":2151.645,"end":2165.4},{"sentences":[{"text":"That's all good.","start":2165.4,"end":2166.3,"sentiment":"positive","sentiment_score":0.4846086899439494},{"text":"Perfect.","start":2166.44,"end":2166.94,"sentiment":"positive","sentiment_score":0.6134558916091919},{"text":"If you do need anything, like I said, I'm always there.","start":2167.32,"end":2169.8,"sentiment":"neutral","sentiment_score":0.30682782286947424},{"text":"Just give me a call.","start":2169.8,"end":2170.92,"sentiment":"neutral","sentiment_score":0.200670725107193},{"text":"But, otherwise, thank you so much for your time today, Lucy.","start":2170.92,"end":2173.48,"sentiment":"positive","sentiment_score":0.6978931779211218}],"sentiment":"positive","sentiment_score":0.4555666643765665,"num_words":31,"start":2165.4,"end":2173.48},{"sentences":[{"text":"It was lovely speaking with you, and I look forward to speaking with you soon again.","start":2173.48,"end":2177.02,"sentiment":"positive","sentiment_score":0.8595351688563824},{"text":"No worries.","start":2179.1968,"end":2179.837,"sentiment":"positive","sentiment_score":0.39182621240615845},{"text":"See you later.","start":2179.837,"end":2180.577,"sentiment":"positive","sentiment_score":0.4841714600721995},{"text":"Bye.","start":2181.837,"end":2182.337,"sentiment":"neutral","sentiment_score":-0.10096821188926695}],"sentiment":"positive","sentiment_score":0.722170967947353,"num_words":22,"start":2173.48,"end":2182.337}]}}]},{"alternatives":[{"transcript":"Hello. Lacey speaking. Good. Thank you. How are you? Yeah. That's good. Mhmm. Lucy Carl, twenty first to seventh nineteen ninety. 22 Banlon Street, Astley. Yes. Are you guys down the coast? Right. Oh god. Yeah. Just I know I need I think this happens every single time, but I know I was meant to do some documents last time that I'm not sure I completely filled out. And I can never log in to my Netwealth to check my super. They've locked me out. All my cut my client number doesn't work, and I think, actually, I need to call to or something to do that. But Yeah. No. That's okay. I'll do that. Mhmm. No. That's okay. Yep. Yeah. If you could resend them, that would be amazing. Yes, please. Email's fine. Yeah. Yeah. It'd be my husband and my kids. Yeah. Mhmm. That is just wild. Mhmm. And so to my husband is taxed or tax free? Tax free. Okay. Yep. Okay. Cool. Oh, yep. Sure. I can send that over to you. Yep. I actually it's I've just paid for it to be renewed again. So it is gonna expire in a week. So is it okay? So once I get my new one, I'll send it through. Otherwise, I'll do it twice. Cool. Yep. Cool. Sounds good. Mhmm. Mhmm. Yep. Yes. Yep. No. Currently back at work. I'm a HR and operations manager. July? It's been good, actually. Yeah. My little girl's a little bit more chill with day care, so that's really helped. Mhmm. I'm working four days a week. So nearly? But, yeah, part time. Essentially, a full time employee, and then my salary is just prorated to the four days. New position. A pit mining IT. 96 is the four day rate, but the if I go to full time, it'll be $1.20 salary. Maybe if cost of living keeps going up, then, yes, I will need to. But, yeah, hoping we can survive this just for four days. Yeah. Just the 12%. At the moment, yes. We are trying to save probably about 400 a week. No. Yep. We'll be moving back in there later this year, but it's currently it's still an investment property. I think now with how the way house prices are going, it's at 1.3. Yeah. Yes. Well, it's about $5.80 now. We've just refinanced. Currently living with my parents. Yep. Oh, it's paid off now. It's at about 46 now. Yep. Yep. That hasn't gone up much. I think it's a $12. I just don't think it's very good what we're in. We're in, like, a colonial first state FirstNet account, and I just think we're paying more in fees than what our return is. It's just like, not really. I don't I'm not really sure what the funds are or where the money is in, and then we just essentially transfer over. It's very minimal. It's like 100 a month. I've been looking at maybe doing something like an EFT with Vanguard or Perla, but not really sure. My husband. Yep. Mhmm. Yep. Yep. Mhmm. Do you have a minimum, though, like, money spent? Like, I would is 10,000 too small for you guys? Okay. Yep. Okay. Yep. I get you. Mhmm. Yeah. Okay. Okay. Cool. Yeah. They're gone. The last company that I worked for went bankrupt. So the yeah. They hung on. Yeah. Yeah. We've just really recently purchased an investment property that's been a land and build package. So we've just purchased the land as of last week, and I'm looking to start building in probably the next three months. Definitely not. Could not afford in Brisbane's market. Yeah. So it's in regional Victoria. It's about two 50. I think it's, like, around June 5. I think it's, like, around $6.80. On that one. It is I think, well, currently, it's only, like, $3.90 because it'll just get more as the bill kinda goes through. But I think it'll be around $5.80. Yep. No. Yep. Nine. Yes. Yep. No. I really need to do that. No. I think I have. Yeah. I've got a friend that can do it. Yeah. Yes. Yeah. Yeah. I guess, like, finalize this house and maybe do some small renos when we move back into our property. But, yeah, I think that will just be the goal to kinda hold steady this year and just balance this, like, cash flow, I guess. Yeah. Yeah. No. I think that's really it for the minute. I mean, I wouldn't mind growing my super, but I'm not really sure where that sits at. And, also, just, like, don't know whether to be nervous. I mean, you're seeing, like, in the news a bit, I guess, around these industry funds and things like that that are going bust. Is that anything that I should be concerned about with Netwealth? Yeah. Right. Yeah. Okay. Yep. Okay. K. Okay. Mhmm. Yeah. Yeah. Yeah. Okay. Yeah. Yes. Mhmm. Mhmm. Yep. I think it's mainly managed funds or e two. Yes. I would love to retire at 60. No. Definitely not. Like, 1,500? Yep. Yep. Yeah. I mean, I maybe even 1,700 would be more ideal. Yeah. Yeah. Yeah. In between very high and high, I guess. Let's go very high. Mhmm. Yeah. We've time to recover, so that's okay. Yeah. Go for it. Yep. I mean, they say that when things are tough is the time to, like, get in the game so very heavily. I'd be, like, in between moderate and high. Like, I does it doesn't concern me. I'm kind of resigned to the fact that this is a long term play. We may as well be aggressive while we have time to recover while I'm young. So I'm fine with that. Yeah. I actually would. Now I'm kinda trying to understand the market a bit more. I think borrowing equity against your house to put in shares is not necessarily a bad thing now that I understand there's a bit of tax benefits and stuff that comes from that. Yeah. Mhmm. Yeah. Mhmm. Yep. That's fine. Yep. Yep. Yep. Yep. So all translation is searched for lost super. Okay. Yep. Yep. Mhmm. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yes. Twelve month hub. Yeah. Mhmm. Mhmm. Yeah. Yep. I think so. Yeah. I think I did. It was like someone signed off on it or something. Fees or something moving. I can't remember what it was. Okay. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Yep. Okay. Mhmm. Yep. Yep. I gotcha. Yeah. Yeah. That's good. Yeah. No. All good. Certificate of currency, super insurance summary, which yep. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Yeah. I think for the minute that's okay. Yeah. Yep. Yep. Mhmm. Yeah. Yeah. Okay. Cool. Yeah. Cool. That's good. Yeah. Okay. Cool. Mhmm. Cool. Mhmm. Yep. Yep. Yep. Mhmm. Cool. Thank you. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yes. Mhmm. Yep. Okay. Cool. Yeah. It's so fun. Yeah. Thank you. Cool. Okay. Great. Thank you so much for that. No. That's all good. Thank you so much. Thanks so much. Thanks. 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Lacey speaking. Good. Thank you. How are you?\n\nYeah. That's good. Mhmm. Lucy Carl, twenty first to seventh nineteen ninety. 22 Banlon Street, Astley.\n\nYes. Are you guys down the coast? Right. Oh god. Yeah.\n\nJust I know I need I think this happens every single time, but I know I was meant to do some documents last time that I'm not sure I completely filled out. And I can never log in to my Netwealth to check my super. They've locked me out. All my cut my client number doesn't work, and I think, actually, I need to call to or something to do that. But Yeah.\n\nNo. That's okay. I'll do that. Mhmm. No.\n\nThat's okay. Yep. Yeah. If you could resend them, that would be amazing. Yes, please.\n\nEmail's fine. Yeah. Yeah. It'd be my husband and my kids. Yeah.\n\nMhmm. That is just wild. Mhmm. And so to my husband is taxed or tax free? Tax free.\n\nOkay. Yep. Okay. Cool. Oh, yep.\n\nSure. I can send that over to you. Yep. I actually it's I've just paid for it to be renewed again. So it is gonna expire in a week.\n\nSo is it okay? So once I get my new one, I'll send it through. Otherwise, I'll do it twice. Cool. Yep.\n\nCool. Sounds good. Mhmm. Mhmm. Yep.\n\nYes. Yep. No. Currently back at work. I'm a HR and operations manager.\n\nJuly? It's been good, actually. Yeah. My little girl's a little bit more chill with day care, so that's really helped. Mhmm.\n\nI'm working four days a week. So nearly? But, yeah, part time. Essentially, a full time employee, and then my salary is just prorated to the four days. New position.\n\nA pit mining IT. 96 is the four day rate, but the if I go to full time, it'll be $1.20 salary. Maybe if cost of living keeps going up, then, yes, I will need to. But, yeah, hoping we can survive this just for four days. Yeah.\n\nJust the 12%. At the moment, yes. We are trying to save probably about 400 a week. No. Yep.\n\nWe'll be moving back in there later this year, but it's currently it's still an investment property. I think now with how the way house prices are going, it's at 1.3. Yeah. Yes. Well, it's about $5.80 now.\n\nWe've just refinanced. Currently living with my parents. Yep. Oh, it's paid off now. It's at about 46 now.\n\nYep. Yep. That hasn't gone up much. I think it's a $12. I just don't think it's very good what we're in.\n\nWe're in, like, a colonial first state FirstNet account, and I just think we're paying more in fees than what our return is. It's just like, not really. I don't I'm not really sure what the funds are or where the money is in, and then we just essentially transfer over. It's very minimal. It's like 100 a month.\n\nI've been looking at maybe doing something like an EFT with Vanguard or Perla, but not really sure. My husband. Yep. Mhmm. Yep.\n\nYep. Mhmm. Do you have a minimum, though, like, money spent? Like, I would is 10,000 too small for you guys? Okay.\n\nYep. Okay. Yep. I get you. Mhmm.\n\nYeah. Okay. Okay. Cool. Yeah.\n\nThey're gone. The last company that I worked for went bankrupt. So the yeah. They hung on. Yeah.\n\nYeah. We've just really recently purchased an investment property that's been a land and build package. So we've just purchased the land as of last week, and I'm looking to start building in probably the next three months. Definitely not. Could not afford in Brisbane's market.\n\nYeah. So it's in regional Victoria. It's about two 50. I think it's, like, around June 5. I think it's, like, around $6.80.\n\nOn that one. It is I think, well, currently, it's only, like, $3.90 because it'll just get more as the bill kinda goes through. But I think it'll be around $5.80. Yep. No.\n\nYep. Nine. Yes. Yep. No.\n\nI really need to do that. No. I think I have. Yeah. I've got a friend that can do it.\n\nYeah. Yes. Yeah. Yeah. I guess, like, finalize this house and maybe do some small renos when we move back into our property.\n\nBut, yeah, I think that will just be the goal to kinda hold steady this year and just balance this, like, cash flow, I guess. Yeah. Yeah. No. I think that's really it for the minute.\n\nI mean, I wouldn't mind growing my super, but I'm not really sure where that sits at. And, also, just, like, don't know whether to be nervous. I mean, you're seeing, like, in the news a bit, I guess, around these industry funds and things like that that are going bust. Is that anything that I should be concerned about with Netwealth? Yeah.\n\nRight. Yeah. Okay. Yep. Okay.\n\nK. Okay. Mhmm. Yeah. Yeah.\n\nYeah. Okay. Yeah. Yes. Mhmm.\n\nMhmm. Yep. I think it's mainly managed funds or e two. Yes. I would love to retire at 60.\n\nNo. Definitely not. Like, 1,500? Yep. Yep.\n\nYeah. I mean, I maybe even 1,700 would be more ideal. Yeah. Yeah. Yeah.\n\nIn between very high and high, I guess. Let's go very high. Mhmm. Yeah. We've time to recover, so that's okay.\n\nYeah. Go for it. Yep. I mean, they say that when things are tough is the time to, like, get in the game so very heavily. I'd be, like, in between moderate and high.\n\nLike, I does it doesn't concern me. I'm kind of resigned to the fact that this is a long term play. We may as well be aggressive while we have time to recover while I'm young. So I'm fine with that. Yeah.\n\nI actually would. Now I'm kinda trying to understand the market a bit more. I think borrowing equity against your house to put in shares is not necessarily a bad thing now that I understand there's a bit of tax benefits and stuff that comes from that. Yeah. Mhmm.\n\nYeah. Mhmm. Yep. That's fine. Yep.\n\nYep. Yep. Yep. So all translation is searched for lost super. Okay.\n\nYep. Yep. Mhmm. Mhmm. Mhmm.\n\nYep. Yep. Yep. Yep. Yes.\n\nTwelve month hub. Yeah. Mhmm. Mhmm. Yeah.\n\nYep. I think so. Yeah. I think I did. It was like someone signed off on it or something.\n\nFees or something moving. I can't remember what it was. Okay. Mhmm. Yep.\n\nMhmm. Mhmm. Mhmm. Yep. Okay.\n\nMhmm. Yep. Yep. I gotcha. Yeah.\n\nYeah. That's good. Yeah. No. All good.\n\nCertificate of currency, super insurance summary, which yep. Yep. Mhmm. Yep. Mhmm.\n\nMhmm. Yep. Yeah. I think for the minute that's okay. Yeah.\n\nYep. Yep. Mhmm. Yeah. Yeah.\n\nOkay. Cool. Yeah. Cool. That's good.\n\nYeah. Okay. Cool. Mhmm. Cool.\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nCool. Thank you. Yep. Yep. Yep.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nYes. Mhmm. Yep. Okay. Cool.\n\nYeah. It's so fun. Yeah. Thank you. Cool.\n\nOkay. Great. Thank you so much for that. No. That's all good.\n\nThank you so much. Thanks so much. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.56,"sentiment":"neutral","sentiment_score":0.04431060329079628},{"text":"Lacey speaking.","start":0.56,"end":1.54,"sentiment":"neutral","sentiment_score":0.05072454549372196},{"text":"Good.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.5197024345397949},{"text":"Thank you.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.6036916971206665},{"text":"How are you?","start":6.8799996,"end":7.7799997,"sentiment":"positive","sentiment_score":0.3454631567001343}],"sentiment":"neutral","sentiment_score":0.3232483325733079,"num_words":9,"start":0.24,"end":7.7799997},{"sentences":[{"text":"Yeah.","start":15.145,"end":15.545,"sentiment":"neutral","sentiment_score":0.2825281023979187},{"text":"That's 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so fun.","start":2113.4749,"end":2114.535,"sentiment":"neutral","sentiment_score":0.0550823745628198},{"text":"Yeah.","start":2116.1948,"end":2116.6948,"sentiment":"neutral","sentiment_score":0.04424503445625305},{"text":"Thank you.","start":2125.1301,"end":2125.95,"sentiment":"positive","sentiment_score":0.5231156051158905},{"text":"Cool.","start":2143.625,"end":2144.125,"sentiment":"positive","sentiment_score":0.4639378190040589}],"sentiment":"neutral","sentiment_score":0.20689413649961352,"num_words":8,"start":2111.395,"end":2144.125},{"sentences":[{"text":"Okay.","start":2156.34,"end":2156.74,"sentiment":"positive","sentiment_score":0.41953325271606445},{"text":"Great.","start":2156.74,"end":2157.06,"sentiment":"positive","sentiment_score":0.8187471628189087},{"text":"Thank you so much for that.","start":2157.06,"end":2158.52,"sentiment":"positive","sentiment_score":0.8353879153728485},{"text":"No.","start":2163.905,"end":2164.0652,"sentiment":"neutral","sentiment_score":-0.026400327682495117},{"text":"That's all good.","start":2164.0652,"end":2164.865,"sentiment":"neutral","sentiment_score":0.24647769331932068}],"sentiment":"positive","sentiment_score":0.5803033883372942,"num_words":12,"start":2156.34,"end":2164.865},{"sentences":[{"text":"Thank you so much.","start":2164.865,"end":2165.925,"sentiment":"neutral","sentiment_score":0.3312532305717468},{"text":"Thanks so much.","start":2177.417,"end":2178.477,"sentiment":"positive","sentiment_score":0.8406672279040018},{"text":"Thanks.","start":2180.297,"end":2180.777,"sentiment":"positive","sentiment_score":0.6195856332778931},{"text":"Bye.","start":2180.777,"end":2181.277,"sentiment":"neutral","sentiment_score":0.320442259311676}],"sentiment":"positive","sentiment_score":0.5318936109542847,"num_words":9,"start":2164.865,"end":2181.277}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Lacey speaking.\n\nChannel 0: Good afternoon, Lucy. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Mhmm. Lucy Carl, twenty first to seventh nineteen ninety. 22 Banlon Street, Astley.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Did you guys get a lot of rain yesterday as well?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah. Yeah. Us too. It was a bit crazy.\n\nChannel 1: Are you guys down\n\nChannel 0: Yeah. We're up in Southport,\n\nChannel 1: the\n\nChannel 0: and it was just mayhem.\n\nChannel 1: coast?\n\nChannel 0: When everyone left work about six or\n\nChannel 1: Right.\n\nChannel 0: so, it was just crazy. So\n\nChannel 1: Oh god.\n\nChannel 0: a little bit better today. Now, Lucy, before I kind of jump into the interview, I do like to start by asking if there is anything specific you are hoping to get out of their review today or any areas you would like me to focus on, whether it's just a bit of an catch up to see what's happened in the last twelve months.\n\nChannel 1: Yeah. Just I know I need I think this happens every single time, but I know I was meant to do some documents last time that I'm not sure I completely filled out. And I can never log in to my Netwealth to check my super. They've locked me out. All my cut my client number doesn't work, and I think,\n\nChannel 0: Okay.\n\nChannel 1: actually, I need to call to or something to do that. But\n\nChannel 0: Yeah. So with network login, we can't I can't call for you and request\n\nChannel 1: Yeah.\n\nChannel 0: it because of security. So, unfortunately,\n\nChannel 1: No. That's okay. I'll\n\nChannel 0: you\n\nChannel 1: do\n\nChannel 0: do\n\nChannel 1: that.\n\nChannel 0: have to call them. But, yeah, definitely do so you can get access to your Networks so you can see your super and, you know, how everything is going as well. But, yes, unfortunately, you just have to call them just for\n\nChannel 1: Mhmm.\n\nChannel 0: security on your behalf of our first.\n\nChannel 1: No. That's okay.\n\nChannel 0: In regards to the forms, yes. So that would be your Netwealth and your Neos insurance beneficiary form.\n\nChannel 1: Yep.\n\nChannel 0: So that is in the event that something ever woulda happened\n\nChannel 1: Yeah.\n\nChannel 0: to you. Do you still have those form, or would you like us to\n\nChannel 1: If you\n\nChannel 0: send\n\nChannel 1: could\n\nChannel 0: them\n\nChannel 1: resend\n\nChannel 0: out\n\nChannel 1: them,\n\nChannel 0: again?\n\nChannel 1: that would be amazing.\n\nChannel 0: Yes.\n\nChannel 1: Yes, please.\n\nChannel 0: Perfect. And do you prefer by post or email? Do you have access to a print, sir?\n\nChannel 1: Email's fine. Yeah.\n\nChannel 0: Emails. Okay. Perfect. That way, it's in your inbox as well if you do ever lose them. Do you know who you would like to nominate?\n\nChannel 1: Yeah. It'd be my husband and my kids.\n\nChannel 0: Okay. Yep. And your children, are they 18?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. So if something were to happen, because there are different rules in regards to who you can nominate in terms of who's actually eligible, but then\n\nChannel 1: Mhmm.\n\nChannel 0: also from a tax point of view. So if you nominate a spouse, it is tax free. So all of it will be tax free if something were to happen. For children, if it's under 18, unless disabled or in a, like, a university, they so under that, completely tax free. Over 18, they can be taxable up to 32%.\n\nChannel 1: That is just wild.\n\nChannel 0: Yeah. So something to keep in mind, obviously, when if it's down to 18 at the moment, that's all good. If something were to happen, it would all be tax free. But I do like to just mention it as well because sometimes that can sway how\n\nChannel 1: Mhmm.\n\nChannel 0: you want to nominate knowing that it's\n\nChannel 1: And\n\nChannel 0: always\n\nChannel 1: so\n\nChannel 0: tax\n\nChannel 1: to\n\nChannel 0: free.\n\nChannel 1: my husband is taxed\n\nChannel 0: Mhmm.\n\nChannel 1: or\n\nChannel 0: No. It's\n\nChannel 1: tax\n\nChannel 0: tax\n\nChannel 1: free?\n\nChannel 0: free. Tax\n\nChannel 1: Tax free.\n\nChannel 0: free.\n\nChannel 1: Okay.\n\nChannel 0: Completely tax free. Yeah. The only thing is with the children 18 versus 18, but to your spouse, it's always tax free.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: Yep. I will get the team to email those out to you and get that sorted. While we are talking about outstanding, I can also see that your ID that we have on file has expired.\n\nChannel 1: Oh, yep. Sure. I\n\nChannel 0: Did\n\nChannel 1: can\n\nChannel 0: you\n\nChannel 1: send that over to you.\n\nChannel 0: okay. Perfect. Even if you could if you could send a photo of the front and the back of the license,\n\nChannel 1: Yep.\n\nChannel 0: that would be great, and you can even\n\nChannel 1: I\n\nChannel 0: just\n\nChannel 1: actually\n\nChannel 0: on.\n\nChannel 1: it's I've just\n\nChannel 0: Yeah.\n\nChannel 1: paid for it to be renewed again. So it is\n\nChannel 0: Okay.\n\nChannel 1: gonna expire in a week. So is it okay?\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: once\n\nChannel 0: Of\n\nChannel 1: I\n\nChannel 0: course.\n\nChannel 1: get my new one, I'll send it through.\n\nChannel 0: Yeah.\n\nChannel 1: Otherwise, I'll do it twice.\n\nChannel 0: No. That's all good. Just hang how I'll just hold off until that you get that new one even\n\nChannel 1: Cool.\n\nChannel 0: when you send through the beneficiary forms. If at that time\n\nChannel 1: Yep. Cool.\n\nChannel 0: you wanna\n\nChannel 1: Sounds\n\nChannel 0: send it\n\nChannel 1: good.\n\nChannel 0: all in one go, that is no problem. I'll make a little note of that. Otherwise, what I might do is just run through a bit of a fact find with you first there, Lucy, just to see if\n\nChannel 1: Mhmm.\n\nChannel 0: there is anything major that has changed in your life,\n\nChannel 1: Mhmm.\n\nChannel 0: if we do need to make any changes to your advice. So kind of bear with me as I go through this information. Now when it comes to personal information, I have you down here as married with two financial dependents.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And next up, can I have Daniel nominated? That's still the case as well? Beautiful.\n\nAnd phone number hasn't changed, still ends in 021?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to employment, last time we spoke to you, you were on maternity leave. Are you still on maternity leave, or\n\nChannel 1: No.\n\nChannel 0: are you\n\nChannel 1: Currently\n\nChannel 0: back working?\n\nChannel 1: back at work.\n\nChannel 0: Okay. Yep. And what do you do at the moment?\n\nChannel 1: I'm a HR and operations manager.\n\nChannel 0: Yeah. And when did you go back to that?\n\nChannel 1: July?\n\nChannel 0: Yep. And how are you finding the transition?\n\nChannel 1: It's been good, actually.\n\nChannel 0: That's good.\n\nChannel 1: Yeah. My little girl's a little bit more chill with day care, so that's really helped.\n\nChannel 0: Yeah. Oh, that's great. Because it definitely can always be a bit of\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of a translation.\n\nChannel 1: I'm\n\nChannel 0: Sorry. Sorry. That's really good. And do you work full time?\n\nChannel 1: working four days a week. So nearly?\n\nChannel 0: Yep.\n\nChannel 1: But, yeah,\n\nChannel 0: Is\n\nChannel 1: part\n\nChannel 0: it on\n\nChannel 1: time.\n\nChannel 0: a full time contract with, like, a transition period or a part time contract?\n\nChannel 1: Essentially, a full time employee, and then my salary is just prorated to the four days.\n\nChannel 0: Yep. And was that what you were kind of doing before maternity leave as well?\n\nChannel 1: New position.\n\nChannel 0: Yep. Okay. Perfect. And who's your employer?\n\nChannel 1: A pit mining IT.\n\nChannel 0: Okay. Beautiful. And income wise, do you know what it's currently on a yearly basis?\n\nChannel 1: 96 is the four day rate, but the if\n\nChannel 0: Yes.\n\nChannel 1: I go to full time, it'll be $1.20\n\nChannel 0: One thirty. Do you think you will move to five days or for the time being, just\n\nChannel 1: salary.\n\nChannel 0: happy\n\nChannel 1: Maybe\n\nChannel 0: with four?\n\nChannel 1: if cost of living keeps going up, then, yes, I will need to. But, yeah, hoping we can survive this just\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: Yes. Okay. Perfect. So 96. And your\n\nChannel 1: four\n\nChannel 0: employer, do they pay you just that standard twelve\n\nChannel 1: days.\n\nChannel 0: percent contribution into Super, or do\n\nChannel 1: Yeah.\n\nChannel 0: you have a yeah. Okay.\n\nChannel 1: Just\n\nChannel 0: Amazing.\n\nChannel 1: the 12%.\n\nChannel 0: Yep. Otherwise, when it comes to expenses and savings, is that something you guys keep an eye on? Do you know if you guys are saving anything on a weekly, monthly, or fortnightly basis?\n\nChannel 1: At the moment, yes. We are trying\n\nChannel 0: Mhmm.\n\nChannel 1: to save probably about\n\nChannel 0: Yep.\n\nChannel 1: 400 a week.\n\nChannel 0: Oh, that's good. Perfect. And aside from employer contributions, you don't make any additional contributions to you?\n\nChannel 1: No.\n\nChannel 0: No. And when it comes to assets and liabilities, I can see here that last time we spoke to you, you had your property, but you were renting it out at the moment. Is that\n\nChannel 1: Yep.\n\nChannel 0: still an investment property, or are you guys back in there?\n\nChannel 1: We'll be moving back in there later this year, but it's currently it's still an investment property.\n\nChannel 0: Okay. And I do have it valued at about 800,000.\n\nChannel 1: I think now with how the way house prices are going, it's at 1.3.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: wow. That's nice. And I do have mortgage at about $5.40.\n\nChannel 1: Yes. Well, it's\n\nChannel 0: Yes.\n\nChannel 1: about $5.80 now. We've just refinanced.\n\nChannel 0: Yep. And otherwise, are you guys yeah. You're renting elsewhere for the time being?\n\nChannel 1: Currently living with my parents.\n\nChannel 0: Okay. Yep. Perfect. And other assets, I have a motor vehicle right at about 40,000.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And owing about 7.\n\nChannel 1: Oh, it's paid off now.\n\nChannel 0: Okay. Perfect. Offset account about 5,000.\n\nChannel 1: It's at about 46 now.\n\nChannel 0: 46. Perfect. And, also, a investment portfolio where you have a 50% ownership\n\nChannel 1: Yep.\n\nChannel 0: of about 10,000.\n\nChannel 1: Yep. That hasn't gone up much. I think it's a $12.\n\nChannel 0: Yeah. Especially the last twelve months, I've definitely seen a bit of fluctuations in the market with everything going\n\nChannel 1: I\n\nChannel 0: on\n\nChannel 1: just\n\nChannel 0: in the\n\nChannel 1: don't\n\nChannel 0: world.\n\nChannel 1: think it's very good what we're in. We're in, like, a colonial\n\nChannel 0: Okay.\n\nChannel 1: first state FirstNet account,\n\nChannel 0: I am.\n\nChannel 1: and I just think we're paying more in fees than what our return is.\n\nChannel 0: And is that something you guys just set up and manage yourself?\n\nChannel 1: It's just like, not really. I don't I'm not really sure what the funds are or where the money is\n\nChannel 0: Okay.\n\nChannel 1: in, and then we just essentially transfer over. It's very minimal. It's like 100 a month. I've\n\nChannel 0: Mhmm.\n\nChannel 1: been looking at maybe doing something like an EFT with Vanguard or Perla,\n\nChannel 0: Mhmm.\n\nChannel 1: but\n\nChannel 0: Mhmm.\n\nChannel 1: not really sure.\n\nChannel 0: Okay. And who owns the other half?\n\nChannel 1: My husband.\n\nChannel 0: Okay. If it is something that you guys want us to manage or look at for you, just let me know because we can always have a look at it. Obviously, if we do manage it, there will be, like, management fees associated with it, but\n\nChannel 1: Yep.\n\nChannel 0: we can always do research on different options depending on what it is that you would want to achieve.\n\nChannel 1: Mhmm.\n\nChannel 0: Obviously, if you do own it with your husband, he would have to be involved in that process as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay. But it is something we do do a lot for clients, the different personal investments, investment bonds, whatever\n\nChannel 1: Yep.\n\nChannel 0: it might be.\n\nChannel 1: Mhmm.\n\nChannel 0: So just have a think about it if it is something at any point that you would like us to\n\nChannel 1: Do you\n\nChannel 0: review\n\nChannel 1: have a\n\nChannel 0: for\n\nChannel 1: minimum,\n\nChannel 0: you.\n\nChannel 1: though, like, money spent? Like, I would is 10,000 too small for you guys?\n\nChannel 0: It depends on which options you want to do. So some some investment options, depending on what we would look at, there is about 20,000 minimum. There is some accounts that's a lot lower. Some is just like a thousand, a couple of thousand. So it there are options for a smaller balance.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: it kind of depends on what you guys are wanting, and that would then steer me into which direction. So what type of accounts to look at, if that\n\nChannel 1: Yep.\n\nChannel 0: makes\n\nChannel 1: Okay. Yep.\n\nChannel 0: sense. So\n\nChannel 1: I get\n\nChannel 0: it's not\n\nChannel 1: you.\n\nChannel 0: too too little to look at. 12,000, that's\n\nChannel 1: Mhmm.\n\nChannel 0: still a decent amount. Yeah. Obviously, have a think about it, have a chat to your husband too. And if it is something\n\nChannel 1: Yeah.\n\nChannel 0: you would\n\nChannel 1: Okay.\n\nChannel 0: like us to look at, just give me a send me an email or give me a call, and we can always book in a bit of a catch up to have a look at that for you.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yeah. Otherwise, do you also have some employee shares for about $350?\n\nChannel 1: Yeah. They're gone.\n\nChannel 0: Yeah.\n\nChannel 1: The\n\nChannel 0: Okay.\n\nChannel 1: last company that I worked for went bankrupt. So\n\nChannel 0: Oh, okay.\n\nChannel 1: the yeah.\n\nChannel 0: That disappeared.\n\nChannel 1: They hung\n\nChannel 0: Yeah.\n\nChannel 1: on.\n\nChannel 0: Yeah. Do you have any other new assets or liabilities or anything\n\nChannel 1: Yeah.\n\nChannel 0: in the last\n\nChannel 1: Yeah.\n\nChannel 0: 12?\n\nChannel 1: We've\n\nChannel 0: Yep.\n\nChannel 1: just really recently purchased an investment property that's been a land and build package. So\n\nChannel 0: Nice.\n\nChannel 1: we've just\n\nChannel 0: Oh,\n\nChannel 1: purchased\n\nChannel 0: yeah.\n\nChannel 1: the land as of last week, and I'm looking\n\nChannel 0: Oh,\n\nChannel 1: to\n\nChannel 0: nice.\n\nChannel 1: start building in probably the next three months.\n\nChannel 0: Oh, that's exciting. Is that local or interstate?\n\nChannel 1: Definitely not. Could not afford in Brisbane's market.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. So it's in regional Victoria.\n\nChannel 0: Ah, yeah. Perfect. And do you know how much the land is valued at right now? Like, obviously, because you haven't started building\n\nChannel 1: It's\n\nChannel 0: or\n\nChannel 1: about\n\nChannel 0: what you\n\nChannel 1: two\n\nChannel 0: bought\n\nChannel 1: 50.\n\nChannel 0: it for, basically. $2.50. And do you have an estimate for when it's completed?\n\nChannel 1: I think it's, like, around June 5.\n\nChannel 0: Alright. Yep. And rough value of when you have the house on top of the land?\n\nChannel 1: I think it's, like, around $6.80.\n\nChannel 0: Got $6.80. Okay. One completed. And how much do you have on the mortgage?\n\nChannel 1: On that one. It is\n\nChannel 0: Mhmm.\n\nChannel 1: I think, well, currently, it's only, like, $3.90 because it'll just get more as the bill kinda goes through.\n\nChannel 0: Yep.\n\nChannel 1: But I think it'll be around $5.80.\n\nChannel 0: $5.08 when it's, like, completed.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. Any other changes?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And have you had any changes to your health or any injuries or anything in the last twelve months? Nope. Perfect.\n\nAnd do you have private health insurance?\n\nChannel 1: Nine. Yes.\n\nChannel 0: Yep. And that is hospital as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Estate planning wise, we've already kind of touched on the beneficiaries. But, otherwise, do you guys have a will or power of attorney in place or anything like\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: I really need to do that.\n\nChannel 0: No. That's okay. Do you know someone that you guys would have a talk through, or would you like us to send you some brochures and some pricing of a firm that we work with and how much they\n\nChannel 1: No.\n\nChannel 0: would charge\n\nChannel 1: I think\n\nChannel 0: for a will and\n\nChannel 1: I have. Yeah.\n\nChannel 0: stuff.\n\nChannel 1: I've got a\n\nChannel 0: You\n\nChannel 1: friend\n\nChannel 0: know\n\nChannel 1: that\n\nChannel 0: someone?\n\nChannel 1: can do it. Yeah.\n\nChannel 0: Okay. Amazing. Perfect. Otherwise, when it comes to kind of goals, stuff that you are working towards, at annual review time, it is good to to always have a bit of a reassess to be like, okay. What happened in the last twelve months?\n\nWhat were we goal? How were we tracking? And what are we trying to focus on moving forward? So I can say here that the goal was through buying a property, which you\n\nChannel 1: Yes.\n\nChannel 0: guys did, obviously, so that is really good.\n\nChannel 1: Yeah.\n\nChannel 0: Is there anything else that you are working towards that you're kind of wanting to achieve in the next twelve months? Obviously, the build is\n\nChannel 1: Yeah.\n\nChannel 0: obviously\n\nChannel 1: I guess,\n\nChannel 0: a bit of\n\nChannel 1: like,\n\nChannel 0: a thing.\n\nChannel 1: finalize\n\nChannel 0: Mhmm.\n\nChannel 1: this house and maybe do some small renos when we move back into our property.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, I think that will just be the goal to kinda hold steady this year\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Perfect.\n\nChannel 1: just balance this, like, cash flow, I guess.\n\nChannel 0: Yeah. Well, especially being so new with the investment property and everything\n\nChannel 1: Yeah.\n\nChannel 0: is comes in and you get it rented out, and you can kind of get an, you know, gauge of where things are at.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Anything else?\n\nChannel 1: No. I think that's\n\nChannel 0: No.\n\nChannel 1: really it for the\n\nChannel 0: That's\n\nChannel 1: minute.\n\nChannel 0: all\n\nChannel 1: I\n\nChannel 0: good.\n\nChannel 1: mean, I wouldn't\n\nChannel 0: Yep.\n\nChannel 1: mind growing my super, but\n\nChannel 0: Mhmm.\n\nChannel 1: I'm not really sure where that sits at. And, also, just, like, don't know whether to be nervous. I mean, you're seeing, like, in the news a bit, I guess, around these industry funds and things like that that are going bust. Is that anything that I should be concerned about with Netwealth?\n\nChannel 0: No. Not with Netwealth because often obviously, you can never guarantee anything. But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other companies\n\nChannel 1: Yeah.\n\nChannel 0: as well. But then often as well, it's it's structured and managed very differently. So if anything were to happen to Netwealth, like, you still have investments in a lot of different investments that we could just transfer to somewhere else. So if something ever were to happen, it's, like, not your money sitting with Netwealth. It is sitting in a range of different investments.\n\nSo it's not like a managed portfolio managed by Netwealth. We\n\nChannel 1: Right.\n\nChannel 0: manage the portfolio for you, and you are\n\nChannel 1: Yeah.\n\nChannel 0: then invested in a lot of different, like, ETFs and different options. So it\n\nChannel 1: Okay.\n\nChannel 0: does kind of spread all of that very differently through then, for example, with Colonial First State. If you've ever looked up the super account, for example, or any other industry funds, really, a lot of the investments are, like, a managed fund with them that they manage.\n\nChannel 1: Yep.\n\nChannel 0: So you don't really know what's in it or how that's all spread out because it's obviously there. Things that you can't actually see what those individual investments are. But with Netwealth, it is structured very differently.\n\nChannel 1: Okay.\n\nChannel 0: And we\n\nChannel 1: K.\n\nChannel 0: also\n\nChannel 1: Okay.\n\nChannel 0: we can also have a look at your risk and stuff and see how you feel about things. But in terms of, obviously, anything major have net net wealth is massive and how your super is invested in the different investments do spread that very differently.\n\nChannel 1: Mhmm.\n\nChannel 0: But it is a valid concern, especially when you do hear a lot of things everywhere and especially in the market\n\nChannel 1: Yeah.\n\nChannel 0: and stuff the last twelve months. So\n\nChannel 1: Yeah.\n\nChannel 0: I do completely understand understand that, but it is spread out very differently. And, yeah, you're not invested in net wealth. You are invested in a lot of different investments. It's just kind of the bank account that holds your super, basically.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. But with talking about your superannuation, though, because you are currently invested in an aggressive portfolio. So,\n\nChannel 1: Yes.\n\nChannel 0: obviously, kind of very high risk but reward as well because you do have plenty of time until retirement.\n\nChannel 1: Mhmm.\n\nChannel 0: So what I might do is just run through just a a short version of a risk profile\n\nChannel 1: Mhmm.\n\nChannel 0: questionnaire just to see if anything has changed with your risk tolerance, if we need to make any changes. Think about it is obviously long term for your superannuation as well. If it doesn't make sense, just let me know.\n\nChannel 1: Yep.\n\nChannel 0: Now have you ever bought direct shares? Do you know if you have direct shares with your investment account, or is it mainly life managed funds or ETFs?\n\nChannel 1: I think it's mainly managed funds or e two. Yes.\n\nChannel 0: Managed funds. Yep. Perfect. And at the moment, are you still kind of planning on retiring at 60 when you can access your super, or do you think you'd wanna work a bit longer?\n\nChannel 1: I would love to retire at 60.\n\nChannel 0: Yeah. Perfect. And I do have here that, ideally, you'd love to draw a weekly income of about $1,200 per week. Do you think that would still be a a good\n\nChannel 1: No.\n\nChannel 0: amount?\n\nChannel 1: Definitely\n\nChannel 0: No. How much\n\nChannel 1: not.\n\nChannel 0: do you\n\nChannel 1: Like, 1,500?\n\nChannel 0: 1,500? Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: That is, to be fair, what most people say as well. It kind\n\nChannel 1: Yep.\n\nChannel 0: of ranges between 1,000 and 2,000 depending\n\nChannel 1: Yeah.\n\nChannel 0: on, obviously,\n\nChannel 1: I mean,\n\nChannel 0: your\n\nChannel 1: I maybe\n\nChannel 0: lifestyle.\n\nChannel 1: even 1,700 would be more ideal.\n\nChannel 0: Yep. Yep. And often as well, most people's goal is, well, by the time you retire, ideally, have your property paid off\n\nChannel 1: Yeah.\n\nChannel 0: so that you don't have, like, the mortgage, and then it would just be kind of other expenses and stuff\n\nChannel 1: Yeah.\n\nChannel 0: to worry about. But I will just change it to that 1,700. Otherwise, when it comes to how much risk you're willing to take for your superannuation, would you say that you are happy to accept very high risk, high, moderate, or a small amount of risk for your super?\n\nChannel 1: Yeah. In between very high and high, I guess.\n\nChannel 0: Okay. And if you had to choose one, which one would you lean more towards?\n\nChannel 1: Let's go very high.\n\nChannel 0: Very high? Yep. Perfect. And in terms of volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. So not, like, one particular investment that's gone bad, just kind of\n\nChannel 1: Mhmm.\n\nChannel 0: the market as a whole.\n\nChannel 1: Yeah.\n\nChannel 0: Would you\n\nChannel 1: We've\n\nChannel 0: if you have yeah.\n\nChannel 1: time to recover, so that's okay.\n\nChannel 0: Yeah. Exactly. So would you say that if you had the option to do so, you would think that now is potentially a good time to invest a little bit more while the prices are down?\n\nChannel 1: Yeah.\n\nChannel 0: Would you\n\nChannel 1: Go\n\nChannel 0: kind\n\nChannel 1: for\n\nChannel 0: of be,\n\nChannel 1: it.\n\nChannel 0: yeah, and would\n\nChannel 1: Yep.\n\nChannel 0: you invest heavily or modestly if you had the option to do so?\n\nChannel 1: I mean, they say that when things are tough is the time to, like, get in the game so very heavily.\n\nChannel 0: Yep. Okay. Perfect. And next is in regards to fluctuations. But if you did see fluctuations in any investments, would you say that would make you feel optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious?\n\nChannel 1: I'd be, like, in between moderate and high. Like,\n\nChannel 0: Okay.\n\nChannel 1: I does it doesn't concern me. I'm kind of resigned to the fact that this is a long term play. We may as well be\n\nChannel 0: Yes.\n\nChannel 1: aggressive while we have time to recover while I'm young.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: No.\n\nChannel 1: fine\n\nChannel 0: That's\n\nChannel 1: with that.\n\nChannel 0: that's perfect. And last is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Yeah. I actually would.\n\nChannel 0: Yep.\n\nChannel 1: Now I'm kinda\n\nChannel 0: Yep.\n\nChannel 1: trying to understand the market a bit more. I think borrowing equity against your house to put in shares is not necessarily a bad thing now that I understand there's a bit of tax\n\nChannel 0: Yeah.\n\nChannel 1: benefits\n\nChannel 0: Bit\n\nChannel 1: and\n\nChannel 0: of tax\n\nChannel 1: stuff that\n\nChannel 0: deductions\n\nChannel 1: comes from\n\nChannel 0: there.\n\nChannel 1: that. Yeah.\n\nChannel 0: Yeah. And, also, obviously, with the investment properties, when you guys do do your tax return for\n\nChannel 1: Mhmm.\n\nChannel 0: everything with that as well, you should see do some nice deductions\n\nChannel 1: Yeah.\n\nChannel 0: as well. And now, Lucy, that tells me here that you have come out as a aggressive investor, which is the portfolio\n\nChannel 1: Mhmm.\n\nChannel 0: we have you invested in. Are you still quite comfortable, for the time being anyway, with kind of being in an\n\nChannel 1: Yep.\n\nChannel 0: aggressive portfolio? Yep. Amazing.\n\nChannel 1: That's fine.\n\nChannel 0: And do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. So what I have done is I have just sent you an email with some documents to go through, which gives you a bit of an update on super and insurances as well for you. Hopefully,\n\nChannel 1: Yep.\n\nChannel 0: you can soon get into your net worth, and you can look at it during during as well. But did that one come through\n\nChannel 1: Yep.\n\nChannel 0: okay\n\nChannel 1: Yep.\n\nChannel 0: for you?\n\nChannel 1: So all\n\nChannel 0: Yep.\n\nChannel 1: translation\n\nChannel 0: Perfect.\n\nChannel 1: is searched for lost super.\n\nChannel 0: Yep. So, actually, before because we have recently changed the software. So it used to be you click on the link and you see everything. Now it's kind of changed. So if you before you click on the link, so if you go back to the email, you should see a couple of attachments first at the\n\nChannel 1: Okay.\n\nChannel 0: bottom of that email. Can you see those?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now can you see one where it says 2025 Vanguard index chart?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. If you wanna open that one for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you may have seen some seen something like this before, and especially with knowing a little bit about the market, but it is a good visual representation of what we are talking about when we are talking about the\n\nChannel 1: Mhmm.\n\nChannel 0: market. And you can kind of see here that it goes back to 1995 through to 2025, and Vanguard does publish this every year, which is good. But it does kind of show you that long term approach that you touched on\n\nChannel 1: Mhmm.\n\nChannel 0: as well. Long term market always goes up. Short term, there will be some ups and downs and market fluctuations.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And when it comes to, obviously, how your money is invested in that aggressive portfolio, we typically see about between, like, 90 to a 100 in your growth investments. So that will be, like, your top four here that you can see, The US shares, Australian\n\nChannel 1: Yep.\n\nChannel 0: shares, international shares, property, and then around five or so in those defensive. Limit fluctuations\n\nChannel 1: Yep.\n\nChannel 0: a little bit, but the goal is to grow it as much as possible while you do have plenty of time at your retirement.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Does that all make sense so far?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now what is the next document that you can see on your end just to make it easier?\n\nChannel 1: Twelve month hub.\n\nChannel 0: Yes. So if you can open that one for me. No.\n\nChannel 1: Yeah.\n\nChannel 0: Let me just do it here on my side as well. So this one here, it's just taking a while for me to open it, gives you a breakdown of your investments and your portfolio in Netwealth in the last twelve months.\n\nChannel 1: Mhmm.\n\nChannel 0: So we've kind of already touched on that. Obviously, the market has seen a bit of fluctuation in the last twelve months. First, obviously, everything in The US did see a bit of movement\n\nChannel 1: Mhmm.\n\nChannel 0: with Trump and tariffs and everything and also more recently in the war. So we have\n\nChannel 1: Yeah.\n\nChannel 0: seen quite a bit of fluctuation. And despite all of that, though, your portfolio has still done pretty decent given what's happened in the market and also given that we are in an aggressive portfolio, which short term, you will see a bit of fluctuation.\n\nChannel 1: Yep.\n\nChannel 0: So you can actually see all the individual investments here. Now I do wanna also point out that did you get our email in regards to the investments which we did for you around the March 13? It\n\nChannel 1: I\n\nChannel 0: was\n\nChannel 1: think\n\nChannel 0: okay if\n\nChannel 1: so.\n\nChannel 0: you didn't. Yep. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I think I did. It was like someone signed off on it or something. Fees or something moving. I can't remember what it was.\n\nChannel 0: No. That's okay. So what it was is it was just for your reference. So it was a record of advice. It wasn't something you had to sign, but it was just your reference.\n\nChannel 1: Okay.\n\nChannel 0: So, obviously, part of the ongoing portfolio management and investment oversight, we do a lot of research all the time on the investment. And if we ever kind of foresee that is one investment that is kind of underperforming a little bit or not going to our expectations or if we find better options\n\nChannel 1: Mhmm.\n\nChannel 0: that's going to put you in a better position moving forward, we then wanna make sure that we are proactive in that approach and then\n\nChannel 1: Yep.\n\nChannel 0: make changes. So, basically, what that record of advice was was to let you know that we have made one change for you. Just one change, but the one that we did make, which you can see here was the one that was underperforming a little bit, and that was your Benelon Australian equity fund.\n\nChannel 1: Mhmm.\n\nChannel 0: That one is a a managed fund, so there is through the goal for them is to try to actively buy and sell different investments in order to try to outperform the market. They had done really well, and they were one of the best performing fund managers as well. But more recently, they've kind of been underperforming a little bit been a little bit\n\nChannel 1: Mhmm.\n\nChannel 0: slower in their approach. And after doing a little research, we found another option that was going to be better for you.\n\nChannel 1: Mhmm.\n\nChannel 0: So we have swapped it for the BetaShares Australia two hundred. You may have heard of that one.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Sorry. That was literally what that record of advice was. So moving\n\nChannel 1: Okay.\n\nChannel 0: forward as well, you should see a little bit more even though you're an aggressive portfolio, there's still some fluctuations. But the beta share of 200, it is tracking the index of the 200 largest companies. So, obviously, as the company grows, it gets added to the ETF. Something smaller comes out. Still gives you good, well rounded diversification,\n\nChannel 1: Mhmm.\n\nChannel 0: but not that same kind of frequent active in buying, selling, and which can come at a little bit more of a cost as well. And if it's not outweighing\n\nChannel 1: Yep.\n\nChannel 0: the return, it might not be worth\n\nChannel 1: Yep.\n\nChannel 0: it. Does\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: gotcha.\n\nChannel 0: make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. But, otherwise, you can see that there have been a pretty good returns aside from the Benelung. You can see that a lot of the other areas are doing really well. You can see your Global X battery tech in lithium.\n\nThat was about 92%,\n\nChannel 1: Yeah.\n\nChannel 0: which is pretty crazy pretty crazy.\n\nChannel 1: That's good.\n\nChannel 0: So you can kind of see a bit of a range otherwise, which, yeah, have done pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: Any questions so far? That\n\nChannel 1: No.\n\nChannel 0: all\n\nChannel 1: All\n\nChannel 0: makes sense. Alright. Perfect. Now can you also see\n\nChannel 1: good.\n\nChannel 0: a what's next for you?\n\nChannel 1: Certificate of currency, super insurance summary,\n\nChannel 0: Yes. Can\n\nChannel 1: which\n\nChannel 0: you open the super insurance summary for me? Yep.\n\nChannel 1: yep.\n\nChannel 0: And let me know when that one is loaded. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. So this one here gives you a bit of a breakdown of your current super and insurances. So it does show you in net worth your current balance, and it is at 92,708. And, obviously, now you being back working and stuff as well with, obviously, contributions that would should see a bit of a bit of a bump there\n\nChannel 1: Mhmm.\n\nChannel 0: as well, which is good, especially more so if you do go up to five five days, but even at just four days, you\n\nChannel 1: Yep.\n\nChannel 0: are obviously getting those contributions, which is great. Now you then also have your insurances\n\nChannel 1: Mhmm.\n\nChannel 0: listed underneath that, and you do have insurances with Neos. So you do have,\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment, that you are covered for life and TPD of 823,490. Now\n\nChannel 1: Yep.\n\nChannel 0: are you still happy with that level of cover? Because, you know, obviously, you bought the investment property. Are you still kind of comfortable with the level of cover you do have?\n\nChannel 1: Yeah. I think for the minute that's okay.\n\nChannel 0: Yep. And if anything were to happen, a lot of it, obviously, depends on what your goals are, but a lot of people don't factor in necessarily a mortgage on an investment property. Because if something ever were to happen, then worst comes to worst, you could sell the investment property. What you have at the moment does clear out your mortgage completely so at least you don't\n\nChannel 1: Yeah.\n\nChannel 0: have to worry about that if you move in. And that way, you still give a little bit of extra money as well if something were to happen to assist with, you know, living expenses and stuff like that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now you also have an income protection policy, and that will pay you a monthly amount of 5,000\n\nChannel 1: Mhmm.\n\nChannel 0: 562.\n\nChannel 1: Yeah.\n\nChannel 0: And at the moment, it is pretty spot on actually what your income's at because you can only get paid up to 70% of your income at the time\n\nChannel 1: Yeah.\n\nChannel 0: of claim. And\n\nChannel 1: Okay.\n\nChannel 0: at\n\nChannel 1: Cool.\n\nChannel 0: 96,000, it's about 5,600. So very close\n\nChannel 1: Yeah.\n\nChannel 0: to what you have, which\n\nChannel 1: Cool.\n\nChannel 0: is great because that\n\nChannel 1: That's\n\nChannel 0: sometimes\n\nChannel 1: good.\n\nChannel 0: the yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Now with your income protection, you do have a thirty day waiting period, and then it goes all the way up to the age of 65 if something were to happen.\n\nChannel 1: Okay. Cool.\n\nChannel 0: All those three structured and paid from within superannuation, so you don't pay for\n\nChannel 1: Mhmm.\n\nChannel 0: anything out of pocket. You do get a 15% tax rebate. So after that, it's about 3,156.\n\nChannel 1: Cool.\n\nChannel 0: Yep. Now the certificate of currency, it basically shows you your insurances again just in a bit more detail and let you know that's all paid and up to date.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the last two you should see is a financial services guide version four and an\n\nChannel 1: Yep.\n\nChannel 0: OQV services guide version one. I will\n\nChannel 1: Yep.\n\nChannel 0: let you have a read over them in your own time. You would have seen these a couple of times.\n\nChannel 1: Yep.\n\nChannel 0: It is one of those compliance documents, but it does give you all the important information that you do need to know about us in there. None of the important information has changed, but we've had a bit of an update to marketing, which is great. So if you do go back and have a bit of a read over it, you will see a bit of an update to photos, which is great, a bit of an extension to the team as well. And if you\n\nChannel 1: Mhmm.\n\nChannel 0: do have a look over it, you will see myself there as well if you do wanna put a face to the voice.\n\nChannel 1: Cool. Thank you.\n\nChannel 0: Yep. Now the last thing is just if you're happy to do so is now to click on that link where it says sign now, and it will ask you to sign a couple of those documents.\n\nChannel 1: Yep.\n\nChannel 0: Now it what it will ask you to sign, it is is the first one you can see authorization\n\nChannel 1: Yep.\n\nChannel 0: to search for lost super. Yep. Basically, what this is is we like to do it every now and then just to be safe, but it lets us search with the ATO. If you ever have any old super funds open that you might not know about or whether an employer may have put one contribution or something elsewhere, it just\n\nChannel 1: Yep.\n\nChannel 0: lets us search it with the ATO. And if so, we'll get a bit of a hit to say you have something. We can\n\nChannel 1: Yep.\n\nChannel 0: then do research and see if we want to obviously consolidate on what to do with it. So it's just good to do every now and then.\n\nChannel 1: Yep.\n\nChannel 0: You also have a tax file number form that's just just another compliance form just to say we are keeping your tax file number secure and safe on file.\n\nChannel 1: Yep.\n\nChannel 0: And then the last thing there should be just your ongoing service agreement with Netwealth, and that's just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. That stays exactly\n\nChannel 1: Mhmm.\n\nChannel 0: the same at 1.65, so no changes in regards to that. And it is not a lock in contract. So if at any point in time, you are not happy and not a lock in contract at all. So this just lets us service your account and manage everything for you in the meantime. Does that all\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And once you've added all the signature on those three documents, it should say\n\nChannel 1: Mhmm.\n\nChannel 0: validate or update.\n\nChannel 1: Yep.\n\nChannel 0: And then once you press that, it should then send it back to me.\n\nChannel 1: Okay. Cool.\n\nChannel 0: I'll just have a little refresh and see if that'll come through. Sometimes with Internet, it's a bit slow. It's been a little bit slow today, probably because of the weather.\n\nChannel 1: Yeah. It's so fun.\n\nChannel 0: Yesterday was worse. So\n\nChannel 1: Yeah.\n\nChannel 0: now like I said as well, I will get the team to email you out those beneficiary forms. That way you do\n\nChannel 1: Thank\n\nChannel 0: have it\n\nChannel 1: you.\n\nChannel 0: in your inbox. If you have any questions about who to nominate or anything like that, just let me know. But, yes, your husband is completely tax free, and at the moment, your children are too. And then when you do get your ID, if you could just click that through as well, that'd be great.\n\nChannel 1: Cool.\n\nChannel 0: Yep. And if anything does change and you do wanna talk about investments or anything like that at any point in time, doesn't have to wait to end your review time. You can give me a call or send me an email whenever you want to, and we can always book you in for a bit of a catch up.\n\nChannel 1: Okay. Great. Thank you so much for\n\nChannel 0: Perfect.\n\nChannel 1: that.\n\nChannel 0: That's okay. Do you have any other questions before I let you go and enjoy the rest of your afternoon otherwise?\n\nChannel 1: No. That's all good. Thank\n\nChannel 0: No.\n\nChannel 1: you so\n\nChannel 0: That's\n\nChannel 1: much.\n\nChannel 0: all good. Perfect. If you do need anything, like I said, I'm always there. Just give me a call. But, otherwise, thank you so much for your time today, Lucy.\n\nIt was lovely speaking with you, and I look forward to speaking with you soon again.\n\nChannel 1: Thanks so much.\n\nChannel 0: No worries. See you later.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.56,"sentiment":"neutral","sentiment_score":0.04431060329079628},{"text":"Lacey speaking.","start":0.56,"end":1.54,"sentiment":"neutral","sentiment_score":0.05072454549372196}],"sentiment":"neutral","sentiment_score":0.0485865647594134,"channel":1,"num_words":3,"start":0.24,"end":1.54},{"sentences":[{"text":"Good afternoon, Lucy.","start":2.24,"end":3.28,"sentiment":"positive","sentiment_score":0.38452943166097003},{"text":"This is Veronica from Oakview Financial.","start":3.28,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2842753008008003},{"text":"How are 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everyone left work about six or","start":61.77,"end":64.090004,"sentiment":"neutral","sentiment_score":-0.04327550157904625}],"sentiment":"neutral","sentiment_score":-0.04327550157904625,"channel":0,"num_words":7,"start":61.77,"end":64.090004},{"sentences":[{"text":"Right.","start":63.899998,"end":64.399994,"sentiment":"neutral","sentiment_score":-0.054672352969646454}],"sentiment":"neutral","sentiment_score":-0.054672352969646454,"channel":1,"num_words":1,"start":63.899998,"end":64.399994},{"sentences":[{"text":"so, it was just crazy.","start":64.090004,"end":65.975006,"sentiment":"neutral","sentiment_score":-0.18029306530952455},{"text":"So","start":66.195,"end":66.695,"sentiment":"neutral","sentiment_score":-0.034591250121593475}],"sentiment":"neutral","sentiment_score":-0.15600942944486937,"channel":0,"num_words":6,"start":64.090004,"end":66.695},{"sentences":[{"text":"Oh 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bust.","start":994.03,"end":1001.595,"sentiment":"neutral","sentiment_score":-0.13493189991762242},{"text":"Is that anything that I should be concerned about with Netwealth?","start":1002.95496,"end":1006.89496,"sentiment":"neutral","sentiment_score":-0.10660572112961249}],"sentiment":"neutral","sentiment_score":-0.13150474668111442,"channel":1,"num_words":53,"start":985.805,"end":1006.89496},{"sentences":[{"text":"No.","start":1008.7,"end":1008.94,"sentiment":"neutral","sentiment_score":-0.13636676967144012},{"text":"Not with Netwealth because often obviously, you can never guarantee anything.","start":1008.94,"end":1012.77997,"sentiment":"neutral","sentiment_score":-0.1325236911123449},{"text":"But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other 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it","start":1050.635,"end":1050.9551,"sentiment":"neutral","sentiment_score":0.04067038372159004}],"sentiment":"neutral","sentiment_score":0.04729301003473146,"channel":0,"num_words":14,"start":1046.82,"end":1050.9551},{"sentences":[{"text":"Okay.","start":1050.83,"end":1051.33,"sentiment":"neutral","sentiment_score":0.07599180936813354}],"sentiment":"neutral","sentiment_score":0.07599180936813354,"channel":1,"num_words":1,"start":1050.83,"end":1051.33},{"sentences":[{"text":"does kind of spread all of that very differently through then, for example, with Colonial First State.","start":1050.9551,"end":1056.7351,"sentiment":"neutral","sentiment_score":0.007769970332874972},{"text":"If you've ever looked up the super account, for example, or any other industry funds, really, a lot of the investments are, like, a managed fund with them that they manage.","start":1057.1151,"end":1067.31,"sentiment":"neutral","sentiment_score":0.0019087049989931046}],"sentiment":"neutral","sentiment_score":0.003984569804742932,"channel":0,"num_words":48,"start":1050.9551,"end":1067.31},{"sentences":[{"text":"Yep.","start":1067.865,"end":1068.365,"sentiment":"neutral","sentiment_score":0.003074230160564184}],"sentiment":"neutral","sentiment_score":0.003074230160564184,"channel":1,"num_words":1,"start":1067.865,"end":1068.365},{"sentences":[{"text":"So you don't really know what's in it or how that's all spread out because it's obviously there.","start":1068.3301,"end":1073.55,"sentiment":"neutral","sentiment_score":-0.16736547690298822},{"text":"Things that you can't actually see what those individual investments are.","start":1073.61,"end":1077.39,"sentiment":"neutral","sentiment_score":-0.1583671976219524},{"text":"But with Netwealth, it is structured very 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can also have a look at your risk and stuff and see how you feel about things.","start":1083.1349,"end":1086.8949,"sentiment":"neutral","sentiment_score":-0.0918846699512667},{"text":"But in terms of, obviously, anything major have net net wealth is massive and how your super is invested in the different investments do spread that very differently.","start":1086.8949,"end":1096.2749,"sentiment":"neutral","sentiment_score":-0.20558797834174974}],"sentiment":"neutral","sentiment_score":-0.16109537940634333,"channel":0,"num_words":46,"start":1083.1349,"end":1096.2749},{"sentences":[{"text":"Mhmm.","start":1096.71,"end":1097.21,"sentiment":"neutral","sentiment_score":-0.03930681571364403}],"sentiment":"neutral","sentiment_score":-0.03930681571364403,"channel":1,"num_words":1,"start":1096.71,"end":1097.21},{"sentences":[{"text":"But it is a valid concern, especially when you do hear a lot of things everywhere and especially in the market","start":1097.15,"end":1103.63,"sentiment":"neutral","sentiment_score":-0.08805548896392186}],"sentiment":"neutral","sentiment_score":-0.08805548896392186,"channel":0,"num_words":21,"start":1097.15,"end":1103.63},{"sentences":[{"text":"Yeah.","start":1103.27,"end":1103.77,"sentiment":"neutral","sentiment_score":-0.05100321024656296}],"sentiment":"neutral","sentiment_score":-0.05100321024656296,"channel":1,"num_words":1,"start":1103.27,"end":1103.77},{"sentences":[{"text":"and stuff the last twelve 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know.","start":1153.98,"end":1156.16,"sentiment":"neutral","sentiment_score":-0.1158759088979827}],"sentiment":"neutral","sentiment_score":-0.05719048928003758,"channel":0,"num_words":40,"start":1142.115,"end":1156.16},{"sentences":[{"text":"Yep.","start":1156.385,"end":1156.885,"sentiment":"neutral","sentiment_score":0.014730955474078655}],"sentiment":"neutral","sentiment_score":0.014730955474078655,"channel":1,"num_words":1,"start":1156.385,"end":1156.885},{"sentences":[{"text":"Now have you ever bought direct shares?","start":1158.46,"end":1161.36,"sentiment":"neutral","sentiment_score":0.005162509357822793},{"text":"Do you know if you have direct shares with your investment account, or is it mainly life managed funds or ETFs?","start":1161.74,"end":1168.48,"sentiment":"neutral","sentiment_score":0.003434740827374515}],"sentiment":"neutral","sentiment_score":0.0038666829599865843,"channel":0,"num_words":28,"start":1158.46,"end":1168.48},{"sentences":[{"text":"I think it's mainly 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longer?","start":1175.385,"end":1183.005,"sentiment":"neutral","sentiment_score":0.14118730102976162}],"sentiment":"neutral","sentiment_score":0.1491429565803093,"channel":0,"num_words":34,"start":1172.265,"end":1183.005},{"sentences":[{"text":"I would love to retire at 60.","start":1183.515,"end":1185.375,"sentiment":"neutral","sentiment_score":0.3295194911105292}],"sentiment":"neutral","sentiment_score":0.3295194911105292,"channel":1,"num_words":7,"start":1183.515,"end":1185.375},{"sentences":[{"text":"Yeah.","start":1185.78,"end":1186.28,"sentiment":"positive","sentiment_score":0.35370108485221863},{"text":"Perfect.","start":1186.8201,"end":1187.3201,"sentiment":"positive","sentiment_score":0.5057875514030457},{"text":"And I do have here that, ideally, you'd love to draw a weekly income of about $1,200 per week.","start":1188.74,"end":1195.0,"sentiment":"neutral","sentiment_score":0.28661358278048665},{"text":"Do you think that would still be a a 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that, it should then send it back to me.","start":2092.805,"end":2097.385,"sentiment":"neutral","sentiment_score":0.15106826169150217}],"sentiment":"neutral","sentiment_score":0.15106826169150217,"channel":0,"num_words":14,"start":2092.805,"end":2097.385},{"sentences":[{"text":"Okay.","start":2097.74,"end":2098.1401,"sentiment":"neutral","sentiment_score":0.2248674035072327},{"text":"Cool.","start":2098.1401,"end":2098.6401,"sentiment":"positive","sentiment_score":0.3360047936439514}],"sentiment":"neutral","sentiment_score":0.28043609857559204,"channel":1,"num_words":2,"start":2097.74,"end":2098.6401},{"sentences":[{"text":"I'll just have a little refresh and see if that'll come through.","start":2100.2449,"end":2103.045,"sentiment":"neutral","sentiment_score":0.15050104136268297},{"text":"Sometimes with Internet, it's a bit slow.","start":2103.045,"end":2105.4648,"sentiment":"neutral","sentiment_score":-0.24221123116356985},{"text":"It's been a little bit slow today, probably because of the weather.","start":2108.1702,"end":2111.1501,"sentiment":"neutral","sentiment_score":-0.21187461664279303}],"sentiment":"neutral","sentiment_score":-0.07845037166149385,"channel":0,"num_words":31,"start":2100.2449,"end":2111.1501},{"sentences":[{"text":"Yeah.","start":2111.395,"end":2111.895,"sentiment":"neutral","sentiment_score":-0.0645080953836441},{"text":"It's so fun.","start":2113.4749,"end":2114.535,"sentiment":"neutral","sentiment_score":0.0550823745628198}],"sentiment":"neutral","sentiment_score":0.02518475707620382,"channel":1,"num_words":4,"start":2111.395,"end":2114.535},{"sentences":[{"text":"Yesterday was worse.","start":2114.1702,"end":2115.29,"sentiment":"neutral","sentiment_score":-0.25463709235191345},{"text":"So","start":2115.29,"end":2115.79,"sentiment":"neutral","sentiment_score":0.008797913789749146}],"sentiment":"neutral","sentiment_score":-0.1887783408164978,"channel":0,"num_words":4,"start":2114.1702,"end":2115.79},{"sentences":[{"text":"Yeah.","start":2116.1948,"end":2116.6948,"sentiment":"neutral","sentiment_score":0.04424503445625305}],"sentiment":"neutral","sentiment_score":0.04424503445625305,"channel":1,"num_words":1,"start":2116.1948,"end":2116.6948},{"sentences":[{"text":"now like I said as well, I will get the team to email you out those beneficiary forms.","start":2118.25,"end":2124.4648,"sentiment":"neutral","sentiment_score":0.2201387480729156},{"text":"That way you do","start":2124.4648,"end":2125.185,"sentiment":"neutral","sentiment_score":0.29390542209148407}],"sentiment":"neutral","sentiment_score":0.23355087062174623,"channel":0,"num_words":22,"start":2118.25,"end":2125.185},{"sentences":[{"text":"Thank","start":2125.1301,"end":2125.45,"sentiment":"positive","sentiment_score":0.5148009061813354}],"sentiment":"positive","sentiment_score":0.5148009061813354,"channel":1,"num_words":1,"start":2125.1301,"end":2125.45},{"sentences":[{"text":"have it","start":2125.185,"end":2125.585,"sentiment":"positive","sentiment_score":0.5614027082920074}],"sentiment":"positive","sentiment_score":0.5614027082920074,"channel":0,"num_words":2,"start":2125.185,"end":2125.585},{"sentences":[{"text":"you.","start":2125.45,"end":2125.95,"sentiment":"positive","sentiment_score":0.5314303040504456}],"sentiment":"positive","sentiment_score":0.5314303040504456,"channel":1,"num_words":1,"start":2125.45,"end":2125.95},{"sentences":[{"text":"in your inbox.","start":2125.585,"end":2126.565,"sentiment":"positive","sentiment_score":0.3724599877993266},{"text":"If you have any questions about who to nominate or anything like that, just let me know.","start":2127.585,"end":2133.685,"sentiment":"neutral","sentiment_score":0.20665860526701985},{"text":"But, yes, your husband is completely tax free, and at the moment, your children are too.","start":2133.7449,"end":2138.19,"sentiment":"positive","sentiment_score":0.4227927941828966},{"text":"And then when you do get your ID, if you could just click that through as well, that'd be great.","start":2138.65,"end":2143.15,"sentiment":"neutral","sentiment_score":0.3202794104814529}],"sentiment":"neutral","sentiment_score":0.3178723065980843,"channel":0,"num_words":56,"start":2125.585,"end":2143.15},{"sentences":[{"text":"Cool.","start":2143.625,"end":2144.125,"sentiment":"positive","sentiment_score":0.4639378190040589}],"sentiment":"positive","sentiment_score":0.4639378190040589,"channel":1,"num_words":1,"start":2143.625,"end":2144.125},{"sentences":[{"text":"Yep.","start":2144.5698,"end":2144.73,"sentiment":"neutral","sentiment_score":0.06290384382009506},{"text":"And if anything does change and you do wanna talk about investments or anything like that at any point in time, doesn't have to wait to end your review time.","start":2144.73,"end":2151.645,"sentiment":"neutral","sentiment_score":0.11829146357874075},{"text":"You can give me a call or send me an email whenever you want to, and we can always book you in for a bit of a catch 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for","start":2157.06,"end":2158.02,"sentiment":"positive","sentiment_score":0.8571228384971619}],"sentiment":"positive","sentiment_score":0.789127801145826,"channel":1,"num_words":7,"start":2156.34,"end":2158.02},{"sentences":[{"text":"Perfect.","start":2157.885,"end":2158.385,"sentiment":"positive","sentiment_score":0.7785013914108276}],"sentiment":"positive","sentiment_score":0.7785013914108276,"channel":0,"num_words":1,"start":2157.885,"end":2158.385},{"sentences":[{"text":"that.","start":2158.02,"end":2158.52,"sentiment":"positive","sentiment_score":0.7267132997512817}],"sentiment":"positive","sentiment_score":0.7267132997512817,"channel":1,"num_words":1,"start":2158.02,"end":2158.52},{"sentences":[{"text":"That's okay.","start":2158.5251,"end":2159.405,"sentiment":"positive","sentiment_score":0.5624539703130722},{"text":"Do you have any other questions before I let you go and enjoy the rest of your afternoon otherwise?","start":2159.405,"end":2163.5051,"sentiment":"positive","sentiment_score":0.3701191560218209}],"sentiment":"positive","sentiment_score":0.3884367573828924,"channel":0,"num_words":21,"start":2158.5251,"end":2163.5051},{"sentences":[{"text":"No.","start":2163.905,"end":2164.0652,"sentiment":"neutral","sentiment_score":-0.026400327682495117},{"text":"That's all good.","start":2164.0652,"end":2164.865,"sentiment":"neutral","sentiment_score":0.24647769331932068},{"text":"Thank","start":2164.865,"end":2165.1052,"sentiment":"positive","sentiment_score":0.33396756649017334}],"sentiment":"neutral","sentiment_score":0.20940006375312806,"channel":1,"num_words":5,"start":2163.905,"end":2165.1052},{"sentences":[{"text":"No.","start":2165.08,"end":2165.4,"sentiment":"neutral","sentiment_score":0.1339186728000641}],"sentiment":"neutral","sentiment_score":0.1339186728000641,"channel":0,"num_words":1,"start":2165.08,"end":2165.4},{"sentences":[{"text":"you so","start":2165.1052,"end":2165.425,"sentiment":"neutral","sentiment_score":0.2886938154697418}],"sentiment":"neutral","sentiment_score":0.2886938154697418,"channel":1,"num_words":2,"start":2165.1052,"end":2165.425},{"sentences":[{"text":"That's","start":2165.4,"end":2165.64,"sentiment":"positive","sentiment_score":0.469150185585022}],"sentiment":"positive","sentiment_score":0.469150185585022,"channel":0,"num_words":1,"start":2165.4,"end":2165.64},{"sentences":[{"text":"much.","start":2165.425,"end":2165.925,"sentiment":"positive","sentiment_score":0.4136577248573303}],"sentiment":"positive","sentiment_score":0.4136577248573303,"channel":1,"num_words":1,"start":2165.425,"end":2165.925},{"sentences":[{"text":"all good.","start":2165.64,"end":2166.3,"sentiment":"positive","sentiment_score":0.4923379421234131},{"text":"Perfect.","start":2166.44,"end":2166.94,"sentiment":"positive","sentiment_score":0.6134558916091919},{"text":"If you do need anything, like I said, I'm always there.","start":2167.32,"end":2169.8,"sentiment":"neutral","sentiment_score":0.30682782286947424},{"text":"Just give me a call.","start":2169.8,"end":2170.92,"sentiment":"neutral","sentiment_score":0.200670725107193},{"text":"But, otherwise, thank you so much for your time today, Lucy.","start":2170.92,"end":2173.48,"sentiment":"positive","sentiment_score":0.6978931779211218}],"sentiment":"positive","sentiment_score":0.45511388033628464,"channel":0,"num_words":30,"start":2165.64,"end":2173.48},{"sentences":[{"text":"It was lovely speaking with you, and I look forward to speaking with you soon again.","start":2173.48,"end":2177.02,"sentiment":"positive","sentiment_score":0.8595351688563824}],"sentiment":"positive","sentiment_score":0.8595351688563824,"channel":0,"num_words":16,"start":2173.48,"end":2177.02},{"sentences":[{"text":"Thanks so much.","start":2177.417,"end":2178.477,"sentiment":"positive","sentiment_score":0.8406672279040018}],"sentiment":"positive","sentiment_score":0.8406672279040018,"channel":1,"num_words":3,"start":2177.417,"end":2178.477},{"sentences":[{"text":"No worries.","start":2179.1968,"end":2179.837,"sentiment":"positive","sentiment_score":0.39182621240615845},{"text":"See you later.","start":2179.837,"end":2180.577,"sentiment":"positive","sentiment_score":0.4841714600721995}],"sentiment":"positive","sentiment_score":0.4472333610057831,"channel":0,"num_words":5,"start":2179.1968,"end":2180.577},{"sentences":[{"text":"Thanks.","start":2180.297,"end":2180.777,"sentiment":"positive","sentiment_score":0.6195856332778931},{"text":"Bye.","start":2180.777,"end":2181.277,"sentiment":"neutral","sentiment_score":0.320442259311676}],"sentiment":"positive","sentiment_score":0.47001394629478455,"channel":1,"num_words":2,"start":2180.297,"end":2181.277},{"sentences":[{"text":"Bye.","start":2181.837,"end":2182.337,"sentiment":"neutral","sentiment_score":-0.10096821188926695}],"sentiment":"neutral","sentiment_score":-0.10096821188926695,"channel":0,"num_words":1,"start":2181.837,"end":2182.337}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with various customers about their annual reviews, financial situation, and personal information. They discuss various topics including employment, retirement plans, and investment properties. The representatives also provide advice on risk tolerance, investment options, and portfolio reviews. They provide information on risk tolerance, income protection policies, and ongoing service agreements with Netipped. The agents offer to answer any further questions and wish the customers a good day."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start_word":50,"end_word":78,"intents":[{"intent":"Request call for security purposes","confidence_score":0.016211562}]},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Mhmm.","start_word":80,"end_word":111,"intents":[{"intent":"Confirm identity","confidence_score":0.7575795},{"intent":"Ensure correct person","confidence_score":0.000983171}]},{"text":"Now, Lucy, before I kind of jump into the interview, I do like to start by asking if there is anything specific you are hoping to get out of their review today or any areas you would like me to focus on, whether it's just a bit of an catch up to see what's happened in the last twelve months. Yeah.","start_word":191,"end_word":251,"intents":[{"intent":"Discuss specific areas of review","confidence_score":0.005637836}]},{"text":"So with network login, we can't I can't call for you and request Yeah. it because of security.","start_word":326,"end_word":343,"intents":[{"intent":"Request information about network login","confidence_score":0.0004312408}]},{"text":"But, yeah, definitely do so you can get access to your Networks so you can see your super and, you know, how everything is going as well.","start_word":359,"end_word":385,"intents":[{"intent":"Obtain access to networks","confidence_score":0.0049273907}]},{"text":"Do you still have those form, or would you like us to If you send could them resend out them, again? that would be amazing.","start_word":440,"end_word":464,"intents":[{"intent":"Resend forms","confidence_score":0.2339642}]},{"text":"Do you know who you would like to nominate? Yeah.","start_word":505,"end_word":514,"intents":[{"intent":"Provide information about eligibility for naming","confidence_score":0.0000070591486},{"intent":"Confirm eligibility to nominate","confidence_score":0.00028420275}]},{"text":"also from a tax point of view. So if you nominate a spouse, it is tax free. So all of it will be tax free if something were to happen. For children, if it's under 18, unless disabled or in a, like, a university, they so under that, completely tax free. Over 18, they can be taxable up to 32%. That is just wild. Yeah.","start_word":560,"end_word":624,"intents":[{"intent":"Clarify tax tax rules","confidence_score":0.000008919784}]},{"text":"And phone number hasn't changed, still ends in 021?","start_word":1003,"end_word":1011,"intents":[{"intent":"Update contact information","confidence_score":0.028071322}]},{"text":"And how are you finding the transition?","start_word":1076,"end_word":1082,"intents":[{"intent":"Find transition","confidence_score":0.5924765}]},{"text":"My little girl's a little bit more chill with day care, so that's really helped. Yeah.","start_word":1090,"end_word":1105,"intents":[{"intent":"Get help with day care","confidence_score":0.00085237017}]},{"text":"And do you work full time? working four days a week. So nearly? Yep. But, yeah, Is part it on time. a full time contract with, like, a transition period or a part time contract?","start_word":1130,"end_word":1164,"intents":[{"intent":"Find full-time contract","confidence_score":0.014334817}]},{"text":"And who's your employer? A pit mining IT.","start_word":1201,"end_word":1208,"intents":[{"intent":"Determine employer's pay rate","confidence_score":0.004752207}]},{"text":"And who's your employer? A pit mining IT. Okay.","start_word":1201,"end_word":1209,"intents":[{"intent":"Understand employee status","confidence_score":0.0007824142}]},{"text":"Otherwise, when it comes to expenses and savings, is that something you guys keep an eye on? Do you know if you guys are saving anything on a weekly, monthly, or fortnightly basis? At the moment, yes.","start_word":1322,"end_word":1358,"intents":[{"intent":"Check employee savings","confidence_score":0.00012403532}]},{"text":"still an investment property, or are you guys back in there? We'll be moving back in there later this year, but it's currently it's still an investment property. Okay.","start_word":1426,"end_word":1454,"intents":[{"intent":"Discuss investment property status","confidence_score":0.016359018}]},{"text":"we can always do research on different options depending on what it is that you would want to achieve. Mhmm.","start_word":1769,"end_word":1788,"intents":[{"intent":"Review portfolio options","confidence_score":0.015407813},{"intent":"Review investment options","confidence_score":0.08863119}]},{"text":"So just have a think about it if it is something at any point that you would like us to Do you review have a for minimum, you. though, like, money spent? Like, I would is 10,000 too small for you guys?","start_word":1834,"end_word":1875,"intents":[{"intent":"Review if minimum","confidence_score":0.000062259445}]},{"text":"It depends on which options you want to do. So some some investment options, depending on what we would look at, there is about 20,000 minimum. There is some accounts that's a lot lower. Some is just like a thousand, a couple of thousand. So it there are options for a smaller balance. So Okay.","start_word":1876,"end_word":1930,"intents":[{"intent":"Explore balance","confidence_score":0.003684634}]},{"text":"Obviously, have a think about it, have a chat to your husband too. And if it is something Yeah.","start_word":1985,"end_word":2003,"intents":[{"intent":"Talk to husband","confidence_score":0.00057812873}]},{"text":"like us to look at, just give me a send me an email or give me a call, and we can always book in a bit of a catch up to have a look at that for you. Okay. Cool.","start_word":2007,"end_word":2046,"intents":[{"intent":"Book call","confidence_score":0.005451831}]},{"text":"And do you know how much the land is valued at right now? Like, obviously, because you haven't started building It's or about what you two bought 50. it for, basically.","start_word":2171,"end_word":2201,"intents":[{"intent":"Compare land appraisals","confidence_score":0.0000011403812}]},{"text":"Otherwise, when it comes to kind of goals, stuff that you are working towards, at annual review time, it is good to to always have a bit of a reassess to be like, okay. What happened in the last twelve months? What were we goal? How were we tracking? And what are we trying to focus on moving forward?","start_word":2467,"end_word":2525,"intents":[{"intent":"Reassessment goals","confidence_score":0.009205229},{"intent":"Track goals","confidence_score":0.10429049}]},{"text":"just balance this, like, cash flow, I guess. Yeah.","start_word":2623,"end_word":2631,"intents":[{"intent":"Manage cash flow","confidence_score":0.013836595}]},{"text":"mind growing my super, but Mhmm.","start_word":2691,"end_word":2696,"intents":[{"intent":"Grow super","confidence_score":0.043440264}]},{"text":"Not with Netwealth because often obviously, you can never guarantee anything. But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other companies Yeah.","start_word":2751,"end_word":2786,"intents":[{"intent":"Share information","confidence_score":0.00029125134}]},{"text":"Not with Netwealth because often obviously, you can never guarantee anything. But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other companies Yeah. as well. But then often as well, it's it's structured and managed very differently.","start_word":2751,"end_word":2800,"intents":[{"intent":"Verify organization","confidence_score":0.00023446244}]},{"text":"But then often as well, it's it's structured and managed very differently.","start_word":2789,"end_word":2800,"intents":[{"intent":"Understand structure","confidence_score":0.042508185}]},{"text":"So you don't really know what's in it or how that's all spread out because it's obviously there. Things that you can't actually see what those individual investments are. But with Netwealth, it is structured very differently. Okay.","start_word":2937,"end_word":2974,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.019582689}]},{"text":"And in terms of volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start_word":3492,"end_word":3529,"intents":[{"intent":"Question portfolio value","confidence_score":0.0033858686}]},{"text":"So would you say that if you had the option to do so, you would think that now is potentially a good time to invest a little bit more while the prices are down? Yeah.","start_word":3564,"end_word":3598,"intents":[{"intent":"Evaluate investment options","confidence_score":0.12142616}]},{"text":"So what I have done is I have just sent you an email with some documents to go through, which gives you a bit of an update on super and insurances as well for you. Hopefully, Yep.","start_word":3925,"end_word":3961,"intents":[{"intent":"Share portfolio updates","confidence_score":0.033754654}]},{"text":"quite a bit of fluctuation. And despite all of that, though, your portfolio has still done pretty decent given what's happened in the market and also given that we are in an aggressive portfolio, which short term, you will see a bit of fluctuation. Yep.","start_word":4427,"end_word":4471,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.03343252}]},{"text":"So, basically, what that record of advice was was to let you know that we have made one change for you. Just one change, but the one that we did make, which you can see here was the one that was underperforming a little bit, and that was your Benelon Australian equity fund. Mhmm.","start_word":4665,"end_word":4718,"intents":[{"intent":"Analyze fund performance","confidence_score":0.2644748}]},{"text":"So this one here gives you a bit of a breakdown of your current super and insurances.","start_word":5077,"end_word":5093,"intents":[{"intent":"Provide breakdown of super and insurances","confidence_score":0.0013281483}]},{"text":"Now you then also have your insurances Mhmm. listed underneath that, and you do have insurances with Neos. So you do have, Mhmm. at the moment, that you are covered for life and TPD of 823,490. Now Yep.","start_word":5171,"end_word":5208,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.045591727}]},{"text":"are you still happy with that level of cover? Because, you know, obviously, you bought the investment property. Are you still kind of comfortable with the level of cover you do have? Yeah.","start_word":5209,"end_word":5241,"intents":[{"intent":"Determine level of coverage","confidence_score":0.019663047}]},{"text":"And if anything were to happen, a lot of it, obviously, depends on what your goals are, but a lot of people don't factor in necessarily a mortgage on an investment property. Because if something ever were to happen, then worst comes to worst, you could sell the investment property. What you have at the moment does clear out your mortgage completely so at least you don't Yeah.","start_word":5250,"end_word":5317,"intents":[{"intent":"Clarify goals","confidence_score":0.22131807},{"intent":"Clarify mortgage goals","confidence_score":0.035668902}]},{"text":"And that way, you still give a little bit of extra money as well if something were to happen to assist with, you know, living expenses and stuff like that. Yep.","start_word":5327,"end_word":5357,"intents":[{"intent":"Provide additional money for living expenses","confidence_score":0.0013178317}]},{"text":"Now you also have an income protection policy, and that will pay you a monthly amount of 5,000 Mhmm. 562.","start_word":5360,"end_word":5379,"intents":[{"intent":"Discuss income protection policy","confidence_score":0.008896409}]},{"text":"All those three structured and paid from within superannuation, so you don't pay for Mhmm. anything out of pocket. You do get a 15% tax rebate. So after that, it's about 3,156. Cool.","start_word":5474,"end_word":5506,"intents":[{"intent":"Inform about spending options","confidence_score":0.000124964}]},{"text":"If you ever have any old super funds open that you might not know about or whether an employer may have put one contribution or something elsewhere, it just Yep. lets us search it with the ATO. And if so, we'll get a bit of a hit to say you have something. We can Yep. then do research and see if we want to obviously consolidate on what to do with it.","start_word":5790,"end_word":5861,"intents":[{"intent":"Consolidate funds and consolidate","confidence_score":0.00010434285}]},{"text":"So this just lets us service your account and manage everything for you in the meantime. Does that all Yep.","start_word":5986,"end_word":6005,"intents":[{"intent":"Service account and manage account","confidence_score":0.0894577}]},{"text":"now like I said as well, I will get the team to email you out those beneficiary forms.","start_word":6085,"end_word":6102,"intents":[{"intent":"Update beneficiary forms","confidence_score":0.16466647},{"intent":"Send beneficiary forms to email","confidence_score":0.006265983}]},{"text":"If you have any questions about who to nominate or anything like that, just let me know. But, yes, your husband is completely tax free, and at the moment, your children are too. And then when you do get your ID, if you could just click that through as well, that'd be great. Cool.","start_word":6114,"end_word":6167,"intents":[{"intent":"Verify identity","confidence_score":0.00023440327}]}]},"sentiments":{"segments":[{"text":"Hello. Lacey speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0492461696267128},{"text":"Good afternoon, Lucy.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.387854516506195},{"text":"This is Veronica from Oakview Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.2563437819480896},{"text":"Good. Thank you. How are you? I'm good. Thanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?","start_word":15,"end_word":44,"sentiment":"positive","sentiment_score":0.4579869210720062},{"text":"Yeah.","start_word":45,"end_word":45,"sentiment":"neutral","sentiment_score":0.2825281023979187},{"text":"That's good. Yeah. Perfect.","start_word":46,"end_word":49,"sentiment":"positive","sentiment_score":0.444916307926178},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Mhmm. Lucy Carl, twenty first to seventh nineteen ninety. 22 Banlon Street, Astley. Yep.","start_word":50,"end_word":124,"sentiment":"neutral","sentiment_score":0.04956638067960739},{"text":"Perfect. That's exactly what I have here.","start_word":125,"end_word":131,"sentiment":"positive","sentiment_score":0.3743823766708374},{"text":"Did you guys get a lot of rain yesterday as well? Yes. Yeah. Yeah. Yeah. Us too. It was a bit crazy. Are you guys down Yeah. We're up in Southport, the and it was just mayhem. coast? When everyone left work about six or Right. so, it was just crazy. So Oh god. a little bit better today. Now, Lucy, before I kind of jump into the interview, I do like to start by asking if there is anything specific you are hoping to get out of their review today or any areas you would like me to focus on, whether it's just a bit of an catch up to see what's happened in the last twelve months. Yeah. Just I know I need I think this happens every single time, but I know I was meant to do some documents last time that I'm not sure I completely filled out. And I can never log in to my Netwealth to check my super.","start_word":132,"end_word":296,"sentiment":"neutral","sentiment_score":-0.08348692953586578},{"text":"They've locked me out.","start_word":297,"end_word":300,"sentiment":"negative","sentiment_score":-0.4870143234729767},{"text":"All my cut my client number doesn't work, and I think, Okay. actually, I need to call to or something to do that. But Yeah. So with network login, we can't I can't call for you and request Yeah. it because of security. So, unfortunately, No.","start_word":301,"end_word":346,"sentiment":"neutral","sentiment_score":-0.23802229762077332},{"text":"That's okay.","start_word":347,"end_word":348,"sentiment":"negative","sentiment_score":-0.34251365065574646},{"text":"I'll you do do that. have to call them.","start_word":349,"end_word":357,"sentiment":"neutral","sentiment_score":-0.26829615235328674},{"text":"But, yeah, definitely do so you can get access to your Networks so you can see your super and, you know, how everything is going as well.","start_word":358,"end_word":384,"sentiment":"positive","sentiment_score":0.42540106177330017},{"text":"But, yes, unfortunately, you just have to call them just for Mhmm.","start_word":385,"end_word":396,"sentiment":"negative","sentiment_score":-0.33831170201301575},{"text":"security on your behalf of our first. No. That's okay. In regards to the forms, yes. So that would be your Netwealth and your Neos insurance beneficiary form. Yep. So that is in the event that something ever woulda happened Yeah. to you. Do you still have those form, or would you like us to If you send could them resend out them, again?","start_word":397,"end_word":460,"sentiment":"neutral","sentiment_score":0.017499655485153198},{"text":"that would be amazing.","start_word":461,"end_word":464,"sentiment":"positive","sentiment_score":0.6737066507339478},{"text":"Yes. Yes, please.","start_word":465,"end_word":467,"sentiment":"neutral","sentiment_score":0.2958376109600067},{"text":"Perfect.","start_word":468,"end_word":468,"sentiment":"positive","sentiment_score":0.5724959373474121},{"text":"And do you prefer by post or email? Do you have access to a print, sir? Email's fine. Yeah. Emails. Okay.","start_word":469,"end_word":489,"sentiment":"neutral","sentiment_score":0.13571332395076752},{"text":"Perfect. That way, it's in your inbox as well if you do ever lose them.","start_word":490,"end_word":504,"sentiment":"positive","sentiment_score":0.4637056887149811},{"text":"Do you know who you would like to nominate? Yeah. It'd be my husband and my kids. Okay. Yep. And your children, are they 18? Yeah. Yeah. Okay. So if something were to happen, because there are different rules in regards to who you can nominate in terms of who's actually eligible, but then Mhmm. also from a tax point of view. So if you nominate a spouse, it is tax free. So all of it will be tax free if something were to happen. For children, if it's under 18, unless disabled or in a, like, a university, they so under that, completely tax free. Over 18, they can be taxable up to 32%. That is just wild. Yeah. So something to keep in mind, obviously, when if it's down to 18 at the moment, that's all good. If something were to happen, it would all be tax free. But I do like to just mention it as well because sometimes that can sway how Mhmm. you want to nominate knowing that it's And always so tax to free. my husband is taxed Mhmm. or No. It's tax tax free? free. Tax Tax free. free. Okay. Completely tax free. Yeah. The only thing is with the children 18 versus 18, but to your spouse, it's always tax free. Yep. Okay.","start_word":505,"end_word":725,"sentiment":"neutral","sentiment_score":0.05133066703965761},{"text":"Cool.","start_word":726,"end_word":726,"sentiment":"positive","sentiment_score":0.4214404225349426},{"text":"Yep. I will get the team to email those out to you and get that sorted. While we are talking about outstanding, I can also see that your ID that we have on file has expired. Oh, yep. Sure. I Did can you send that over to you. okay.","start_word":727,"end_word":775,"sentiment":"neutral","sentiment_score":0.07925841957330704},{"text":"Perfect.","start_word":776,"end_word":776,"sentiment":"positive","sentiment_score":0.46210741996765137},{"text":"Even if you could if you could send a photo of the front and the back of the license, Yep. that would be great, and you can even I just actually on. it's I've just Yeah. paid for it to be renewed again. So it is Okay. gonna expire in a week. So is it okay? Okay. So Yeah. once Of I course. get my new one, I'll send it through. Yeah. Otherwise, I'll do it twice. No. That's all good. Just hang how I'll just hold off until that you get that new one even Cool. when you send through the beneficiary forms. If at that time Yep. Cool. you wanna Sounds send it good.","start_word":777,"end_word":892,"sentiment":"neutral","sentiment_score":0.09597913920879364},{"text":"all in one go, that is no problem.","start_word":893,"end_word":900,"sentiment":"positive","sentiment_score":0.3878166377544403},{"text":"I'll make a little note of that. Otherwise, what I might do is just run through a bit of a fact find with you first there, Lucy, just to see if Mhmm. there is anything major that has changed in your life, Mhmm. if we do need to make any changes to your advice. So kind of bear with me as I go through this information. Now when it comes to personal information, I have you down here as married with two financial dependents. Yep. Yep. Perfect. And next up, can I have Daniel nominated? That's still the case as well? Beautiful. And phone number hasn't changed, still ends in 021? Yes. Yep. Yep. Perfect. Now when it comes to employment, last time we spoke to you, you were on maternity leave. Are you still on maternity leave, or No. are you Currently back working? back at work. Okay. Yep. And what do you do at the moment? I'm a HR and operations manager. Yeah. And when did you go back to that? July? Yep. And how are you finding the transition?","start_word":901,"end_word":1082,"sentiment":"neutral","sentiment_score":0.02445781361925733},{"text":"It's been good, actually. That's good. Yeah. My little girl's a little bit more chill with day care, so that's really helped.","start_word":1083,"end_word":1104,"sentiment":"positive","sentiment_score":0.48961129784584045},{"text":"Yeah.","start_word":1105,"end_word":1105,"sentiment":"neutral","sentiment_score":0.27071434259414673},{"text":"Oh, that's great.","start_word":1106,"end_word":1108,"sentiment":"positive","sentiment_score":0.5210140943527222},{"text":"Because it definitely can always be a bit of Mhmm. a bit of a translation. I'm Sorry. Sorry. That's really good. And do you work full time? working four days a week. So nearly? Yep. But, yeah, Is part it on time. a full time contract with, like, a transition period or a part time contract? Essentially, a full time employee, and then my salary is just prorated to the four days. Yep. And was that what you were kind of doing before maternity leave as well? New position. Yep. Okay. Perfect. And who's your employer? A pit mining IT. Okay. Beautiful. And income wise, do you know what it's currently on a yearly basis? 96 is the four day rate, but the if Yes. I go to full time, it'll be $1.20 One thirty. Do you think you will move to five days or for the time being, just salary. happy Maybe with four? if cost of living keeps going up, then, yes, I will need to. But, yeah, hoping we can survive this just Yeah. for Yes. Okay. Perfect. So 96. And your four employer, do they pay you just that standard twelve days. percent contribution into Super, or do Yeah. you have a yeah. Okay. Just Amazing. the 12%. Yep. Otherwise, when it comes to expenses and savings, is that something you guys keep an eye on? Do you know if you guys are saving anything on a weekly, monthly, or fortnightly basis? At the moment, yes. We are trying Mhmm. to save probably about Yep. 400 a week. Oh, that's good. Perfect. And aside from employer contributions, you don't make any additional contributions to you? No. No. And when it comes to assets and liabilities, I can see here that last time we spoke to you, you had your property, but you were renting it out at the moment. Is that Yep. still an investment property, or are you guys back in there? We'll be moving back in there later this year, but it's currently it's still an investment property. Okay. And I do have it valued at about 800,000. I think now with how the way house prices are going, it's at 1.3. Oh, Yeah.","start_word":1109,"end_word":1478,"sentiment":"neutral","sentiment_score":0.04354873815098324},{"text":"wow. That's nice.","start_word":1479,"end_word":1481,"sentiment":"positive","sentiment_score":0.6604797840118408},{"text":"And I do have mortgage at about $5.40. Yes. Well, it's Yes. about $5.80 now. We've just refinanced. Yep. And otherwise, are you guys yeah. You're renting elsewhere for the time being? Currently living with my parents. Okay. Yep.","start_word":1482,"end_word":1520,"sentiment":"neutral","sentiment_score":0.05801675468683243},{"text":"Perfect.","start_word":1521,"end_word":1521,"sentiment":"positive","sentiment_score":0.4028421640396118},{"text":"And other assets, I have a motor vehicle right at about 40,000. Yep. Yep. And owing about 7. Oh, it's paid off now. Okay. Perfect. Offset account about 5,000. It's at about 46 now. 46.","start_word":1522,"end_word":1556,"sentiment":"neutral","sentiment_score":0.08524569869041443},{"text":"Perfect.","start_word":1557,"end_word":1557,"sentiment":"positive","sentiment_score":0.33404380083084106},{"text":"And, also, a investment portfolio where you have a 50% ownership Yep. of about 10,000. Yep. That hasn't gone up much. I think it's a $12. Yeah. Especially the last twelve months, I've definitely seen a bit of fluctuations in the market with everything going I on just in the don't world.","start_word":1558,"end_word":1609,"sentiment":"neutral","sentiment_score":-0.02366241440176964},{"text":"think it's very good what we're in.","start_word":1610,"end_word":1616,"sentiment":"positive","sentiment_score":0.40977180004119873},{"text":"We're in, like, a colonial Okay. first state FirstNet account, I am. and I just think we're paying more in fees than what our return is. And is that something you guys just set up and manage yourself? It's just like, not really. I don't I'm not really sure what the funds are or where the money is Okay. in, and then we just essentially transfer over. It's very minimal. It's like 100 a month. I've Mhmm. been looking at maybe doing something like an EFT with Vanguard or Perla, Mhmm. but Mhmm. not really sure. Okay. And who owns the other half? My husband. Okay. If it is something that you guys want us to manage or look at for you, just let me know because we can always have a look at it. Obviously, if we do manage it, there will be, like, management fees associated with it, but Yep. we can always do research on different options depending on what it is that you would want to achieve. Mhmm. Obviously, if you do own it with your husband, he would have to be involved in that process as well. Yep. Okay. But it is something we do do a lot for clients, the different personal investments, investment bonds, whatever Yep. it might be. Mhmm. So just have a think about it if it is something at any point that you would like us to Do you review have a for minimum, you. though, like, money spent? Like, I would is 10,000 too small for you guys? It depends on which options you want to do. So some some investment options, depending on what we would look at, there is about 20,000 minimum. There is some accounts that's a lot lower. Some is just like a thousand, a couple of thousand. So it there are options for a smaller balance. So Okay. it kind of depends on what you guys are wanting, and that would then steer me into which direction. So what type of accounts to look at, if that Yep. makes Okay. Yep. sense. So I get it's not you. too too little to look at. 12,000, that's Mhmm. still a decent amount. Yeah. Obviously, have a think about it, have a chat to your husband too. And if it is something Yeah. you would Okay. like us to look at, just give me a send me an email or give me a call, and we can always book in a bit of a catch up to have a look at that for you. Okay. Cool. Yeah. Otherwise, do you also have some employee shares for about $350? Yeah. They're gone. Yeah. The Okay. last company that I worked for went bankrupt. So Oh, okay. the yeah. That disappeared. They hung Yeah. on. Yeah. Do you have any other new assets or liabilities or anything Yeah. in the last Yeah. 12? We've Yep. just really recently purchased an investment property that's been a land and build package.","start_word":1617,"end_word":2117,"sentiment":"neutral","sentiment_score":0.022305592816479192},{"text":"So Nice.","start_word":2118,"end_word":2119,"sentiment":"positive","sentiment_score":0.4374675154685974},{"text":"we've just Oh, purchased yeah. the land as of last week, and I'm looking Oh, to nice. start building in probably the next three months.","start_word":2120,"end_word":2144,"sentiment":"neutral","sentiment_score":0.12860113382339478},{"text":"Oh, that's exciting.","start_word":2145,"end_word":2147,"sentiment":"positive","sentiment_score":0.469402551651001},{"text":"Is that local or interstate?","start_word":2148,"end_word":2152,"sentiment":"neutral","sentiment_score":0.06926187872886658},{"text":"Definitely not. Could not afford in Brisbane's market.","start_word":2153,"end_word":2160,"sentiment":"negative","sentiment_score":-0.35775935649871826},{"text":"Yes. Yeah. So it's in regional Victoria. Ah, yeah. Perfect. And do you know how much the land is valued at right now? Like, obviously, because you haven't started building It's or about what you two bought 50. it for, basically. $2.50. And do you have an estimate for when it's completed? I think it's, like, around June 5. Alright. Yep. And rough value of when you have the house on top of the land? I think it's, like, around $6.80. Got $6.80. Okay. One completed. And how much do you have on the mortgage? On that one. It is Mhmm. I think, well, currently, it's only, like, $3.90 because it'll just get more as the bill kinda goes through. Yep. But I think it'll be around $5.80. $5.08 when it's, like, completed. Yep. Yep. Okay. Perfect. Any other changes? No. No. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case? Yep. Yep. Perfect. And have you had any changes to your health or any injuries or anything in the last twelve months? Nope. Perfect. And do you have private health insurance? Nine. Yes. Yep. And that is hospital as well? Yep. Yep. Perfect. Estate planning wise, we've already kind of touched on the beneficiaries. But, otherwise, do you guys have a will or power of attorney in place or anything like No. that? I really need to do that. No. That's okay. Do you know someone that you guys would have a talk through, or would you like us to send you some brochures and some pricing of a firm that we work with and how much they No. would charge I think for a will and I have. Yeah. stuff. I've got a You friend know that someone?","start_word":2161,"end_word":2459,"sentiment":"neutral","sentiment_score":0.0005777993937954307},{"text":"can do it. Yeah. Okay. Amazing. Perfect.","start_word":2460,"end_word":2466,"sentiment":"positive","sentiment_score":0.5903904438018799},{"text":"Otherwise, when it comes to kind of goals, stuff that you are working towards, at annual review time, it is good to to always have a bit of a reassess to be like, okay. What happened in the last twelve months? What were we goal? How were we tracking? And what are we trying to focus on moving forward? So I can say here that the goal was through buying a property, which you Yes.","start_word":2467,"end_word":2541,"sentiment":"neutral","sentiment_score":0.2115783989429474},{"text":"guys did, obviously, so that is really good.","start_word":2542,"end_word":2549,"sentiment":"positive","sentiment_score":0.6873440742492676},{"text":"Yeah. Is there anything else that you are working towards that you're kind of wanting to achieve in the next twelve months? Obviously, the build is Yeah. obviously I guess, a bit of like, a thing. finalize Mhmm. this house and maybe do some small renos when we move back into our property. Yep. But, yeah, I think that will just be the goal to kinda hold steady this year Yep.","start_word":2550,"end_word":2620,"sentiment":"neutral","sentiment_score":0.17805887758731842},{"text":"and Perfect. just balance this, like, cash flow, I guess.","start_word":2621,"end_word":2630,"sentiment":"positive","sentiment_score":0.3782959580421448},{"text":"Yeah. Well, especially being so new with the investment property and everything Yeah. is comes in and you get it rented out, and you can kind of get an, you know, gauge of where things are at. Yeah. Yep. Perfect. Anything else? No. I think that's No. really it for the That's minute. all I good. mean, I wouldn't Yep. mind growing my super, but Mhmm. I'm not really sure where that sits at. And, also, just, like, don't know whether to be nervous. I mean, you're seeing, like, in the news a bit, I guess, around these industry funds and things like that that are going bust. Is that anything that I should be concerned about with Netwealth? No. Not with Netwealth because often obviously, you can never guarantee anything. But with Netwealth, because usually with a lot of the industry fronts, they do kind of merge and get brought up with other companies Yeah. as well. But then often as well, it's it's structured and managed very differently. So if anything were to happen to Netwealth, like, you still have investments in a lot of different investments that we could just transfer to somewhere else. So if something ever were to happen, it's, like, not your money sitting with Netwealth. It is sitting in a range of different investments. So it's not like a managed portfolio managed by Netwealth. We Right. manage the portfolio for you, and you are Yeah. then invested in a lot of different, like, ETFs and different options. So it Okay. does kind of spread all of that very differently through then, for example, with Colonial First State. If you've ever looked up the super account, for example, or any other industry funds, really, a lot of the investments are, like, a managed fund with them that they manage. Yep. So you don't really know what's in it or how that's all spread out because it's obviously there. Things that you can't actually see what those individual investments are. But with Netwealth, it is structured very differently. Okay. And we K. also Okay. we can also have a look at your risk and stuff and see how you feel about things. But in terms of, obviously, anything major have net net wealth is massive and how your super is invested in the different investments do spread that very differently. Mhmm. But it is a valid concern, especially when you do hear a lot of things everywhere and especially in the market Yeah. and stuff the last twelve months. So Yeah. I do completely understand understand that, but it is spread out very differently. And, yeah, you're not invested in net wealth. You are invested in a lot of different investments. It's just kind of the bank account that holds your super, basically. Yeah. Okay. Does that make sense? Yeah. Yes. But with talking about your superannuation, though, because you are currently invested in an aggressive portfolio. So, Yes. obviously, kind of very high risk but reward as well because you do have plenty of time until retirement. Mhmm. So what I might do is just run through just a a short version of a risk profile Mhmm. questionnaire just to see if anything has changed with your risk tolerance, if we need to make any changes. Think about it is obviously long term for your superannuation as well. If it doesn't make sense, just let me know. Yep. Now have you ever bought direct shares? Do you know if you have direct shares with your investment account, or is it mainly life managed funds or ETFs? I think it's mainly managed funds or e two. Yes. Managed funds. Yep.","start_word":2631,"end_word":3245,"sentiment":"neutral","sentiment_score":-0.05021935015068791},{"text":"Perfect.","start_word":3246,"end_word":3246,"sentiment":"positive","sentiment_score":0.5342162847518921},{"text":"And at the moment, are you still kind of planning on retiring at 60 when you can access your super, or do you think you'd wanna work a bit longer?","start_word":3247,"end_word":3276,"sentiment":"neutral","sentiment_score":0.14134497940540314},{"text":"I would love to retire at 60. Yeah. Perfect.","start_word":3277,"end_word":3285,"sentiment":"positive","sentiment_score":0.3744700849056244},{"text":"And I do have here that, ideally, you'd love to draw a weekly income of about $1,200 per week. Do you think that would still be a a good No. amount? Definitely No. How much not. do you Like, 1,500? 1,500? Yep. Perfect. Yep. That is, to be fair, what most people say as well. It kind Yep. of ranges between 1,000 and 2,000 depending Yeah. on, obviously, I mean, your I maybe lifestyle. even 1,700 would be more ideal. Yep. Yep. And often as well, most people's goal is, well, by the time you retire, ideally, have your property paid off Yeah. so that you don't have, like, the mortgage, and then it would just be kind of other expenses and stuff Yeah. to worry about. But I will just change it to that 1,700. Otherwise, when it comes to how much risk you're willing to take for your superannuation, would you say that you are happy to accept very high risk, high, moderate, or a small amount of risk for your super? Yeah. In between very high and high, I guess. Okay. And if you had to choose one, which one would you lean more towards? Let's go very high. Very high? Yep. Perfect. And in terms of volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start_word":3286,"end_word":3529,"sentiment":"neutral","sentiment_score":0.025710489600896835},{"text":"So not, like, one particular investment that's gone bad, just kind of Mhmm.","start_word":3530,"end_word":3542,"sentiment":"negative","sentiment_score":-0.3915724158287048},{"text":"the market as a whole. Yeah. Would you We've if you have yeah. time to recover, so that's okay. Yeah. Exactly. So would you say that if you had the option to do so, you would think that now is potentially a good time to invest a little bit more while the prices are down? Yeah. Would you Go kind for of be, it. yeah, and would Yep. you invest heavily or modestly if you had the option to do so? I mean, they say that when things are tough is the time to, like, get in the game so very heavily. Yep. Okay.","start_word":3543,"end_word":3646,"sentiment":"neutral","sentiment_score":0.10922622680664062},{"text":"Perfect.","start_word":3647,"end_word":3647,"sentiment":"positive","sentiment_score":0.49262040853500366},{"text":"And next is in regards to fluctuations. But if you did see fluctuations in any investments, would you say that would make you feel optimistic about potential future opportunities, a bit more kind of neutral, not making further investments, concerned, or highly anxious? I'd be, like, in between moderate and high. Like, Okay. I does it doesn't concern me. I'm kind of resigned to the fact that this is a long term play. We may as well be Yes. aggressive while we have time to recover while I'm young. Yep. So Yeah. I'm No. fine That's with that.","start_word":3648,"end_word":3745,"sentiment":"neutral","sentiment_score":0.015054786577820778},{"text":"that's perfect.","start_word":3746,"end_word":3747,"sentiment":"positive","sentiment_score":0.43943649530410767},{"text":"And last is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yeah. I actually would. Yep. Now I'm kinda Yep. trying to understand the market a bit more. I think borrowing equity against your house to put in shares is not necessarily a bad thing now that I understand there's a bit of tax Yeah. benefits Bit and of tax stuff that deductions comes from there. that. Yeah. Yeah. And, also, obviously, with the investment properties, when you guys do do your tax return for Mhmm. everything with that as well, you should see do some nice deductions Yeah. as well. And now, Lucy, that tells me here that you have come out as a aggressive investor, which is the portfolio Mhmm. we have you invested in. Are you still quite comfortable, for the time being anyway, with kind of being in an Yep. aggressive portfolio? Yep.","start_word":3748,"end_word":3906,"sentiment":"neutral","sentiment_score":0.08260287428801914},{"text":"Amazing. That's fine.","start_word":3907,"end_word":3909,"sentiment":"positive","sentiment_score":0.5370664000511169},{"text":"And do you have access to your emails at the moment? Yep. Yep. Okay.","start_word":3910,"end_word":3923,"sentiment":"neutral","sentiment_score":0.09402578324079514},{"text":"Perfect.","start_word":3924,"end_word":3924,"sentiment":"positive","sentiment_score":0.5359675884246826},{"text":"So what I have done is I have just sent you an email with some documents to go through, which gives you a bit of an update on super and insurances as well for you. Hopefully, Yep. you can soon get into your net worth, and you can look at it during during as well. But did that one come through Yep. okay Yep. for you? So all Yep. translation Perfect. is searched for lost super. Yep. So, actually, before because we have recently changed the software. So it used to be you click on the link and you see everything. Now it's kind of changed. So if you before you click on the link, so if you go back to the email, you should see a couple of attachments first at the Okay. bottom of that email. Can you see those? Yep. Yep. Now can you see one where it says 2025 Vanguard index chart? Yep. Yep. Perfect. If you wanna open that one for me. Mhmm. Now you may have seen some seen something like this before, and especially with knowing a little bit about the market, but it is a good visual representation of what we are talking about when we are talking about the Mhmm. market. And you can kind of see here that it goes back to 1995 through to 2025, and Vanguard does publish this every year, which is good. But it does kind of show you that long term approach that you touched on Mhmm. as well. Long term market always goes up. Short term, there will be some ups and downs and market fluctuations. Yep. Yep. And when it comes to, obviously, how your money is invested in that aggressive portfolio, we typically see about between, like, 90 to a 100 in your growth investments. So that will be, like, your top four here that you can see, The US shares, Australian Yep. shares, international shares, property, and then around five or so in those defensive. Limit fluctuations Yep. a little bit, but the goal is to grow it as much as possible while you do have plenty of time at your retirement. Yep. Yep. Does that all make sense so far? Yes.","start_word":3925,"end_word":4295,"sentiment":"neutral","sentiment_score":0.10192136225514012},{"text":"Yep. Perfect.","start_word":4296,"end_word":4297,"sentiment":"positive","sentiment_score":0.5172477960586548},{"text":"Now what is the next document that you can see on your end just to make it easier? Twelve month hub. Yes. So if you can open that one for me. No. Yeah. Let me just do it here on my side as well. So this one here, it's just taking a while for me to open it, gives you a breakdown of your investments and your portfolio in Netwealth in the last twelve months. Mhmm. So we've kind of already touched on that. Obviously, the market has seen a bit of fluctuation in the last twelve months. First, obviously, everything in The US did see a bit of movement Mhmm. with Trump and tariffs and everything and also more recently in the war. So we have seen Yeah. quite a bit of fluctuation. And despite all of that, though, your portfolio has still done pretty decent given what's happened in the market and also given that we are in an aggressive portfolio, which short term, you will see a bit of fluctuation. Yep. So you can actually see all the individual investments here. Now I do wanna also point out that did you get our email in regards to the investments which we did for you around the March 13? It I was think okay if so. you didn't. Yep. Okay. Perfect. Yeah. I think I did. It was like someone signed off on it or something. Fees or something moving. I can't remember what it was. No. That's okay. So what it was is it was just for your reference. So it was a record of advice. It wasn't something you had to sign, but it was just your reference. Okay. So, obviously, part of the ongoing portfolio management and investment oversight, we do a lot of research all the time on the investment. And if we ever kind of foresee that is one investment that is kind of underperforming a little bit or not going to our expectations or if we find better options Mhmm. that's going to put you in a better position moving forward, we then wanna make sure that we are proactive in that approach and then Yep. make changes. So, basically, what that record of advice was was to let you know that we have made one change for you. Just one change, but the one that we did make, which you can see here was the one that was underperforming a little bit, and that was your Benelon Australian equity fund. Mhmm. That one is a a managed fund, so there is through the goal for them is to try to actively buy and sell different investments in order to try to outperform the market. They had done really well, and they were one of the best performing fund managers as well. But more recently, they've kind of been underperforming a little bit been a little bit slower Mhmm. in their approach. And after doing a little research, we found another option that was going to be better for you. Mhmm. So we have swapped it for the BetaShares Australia two hundred. You may have heard of that one. Yep. Yep. Sorry. That was literally what that record of advice was. So moving Okay. forward as well, you should see a little bit more even though you're an aggressive portfolio, there's still some fluctuations. But the beta share of 200, it is tracking the index of the 200 largest companies. So, obviously, as the company grows, it gets added to the ETF. Something smaller comes out. Still gives you good, well rounded diversification, Mhmm. but not that same kind of frequent active in buying, selling, and which can come at a little bit more of a cost as well. And if it's not outweighing Yep. the return, it might not be worth Yep. it. Does I that gotcha. make sense? Yeah. Yeah. Perfect. But, otherwise, you can see that there have been a pretty good returns aside from the Benelung. You can see that a lot of the other areas are doing really well. You can see your Global X battery tech in lithium. That was about 92%, Yeah. which is pretty crazy pretty crazy.","start_word":4298,"end_word":5000,"sentiment":"neutral","sentiment_score":0.022882161604354467},{"text":"That's good. So you can kind of see a bit of a range otherwise, which, yeah, have done pretty good.","start_word":5001,"end_word":5020,"sentiment":"positive","sentiment_score":0.4199219048023224},{"text":"Yeah. Any questions so far? That No. all All makes sense. Alright. Perfect. Now can you also see good. a what's next for you? Certificate of currency, super insurance summary, Yes. Can which you open the super insurance summary for me? Yep. yep. And let me know when that one is loaded. Okay? Yep. Yeah.","start_word":5021,"end_word":5075,"sentiment":"neutral","sentiment_score":0.08172594186934558},{"text":"Perfect.","start_word":5076,"end_word":5076,"sentiment":"positive","sentiment_score":0.6225447654724121},{"text":"So this one here gives you a bit of a breakdown of your current super and insurances. So it does show you in net worth your current balance, and it is at 92,708. And, obviously, now you being back working and stuff as well with, obviously, contributions that would should see a bit of a bit of a bump there Mhmm.","start_word":5077,"end_word":5137,"sentiment":"neutral","sentiment_score":0.17399875819683075},{"text":"as well, which is good, especially more so if you do go up to five five days, but even at just four days, you Yep. are obviously getting those contributions, which is great.","start_word":5138,"end_word":5170,"sentiment":"positive","sentiment_score":0.4268293976783752},{"text":"Now you then also have your insurances Mhmm. listed underneath that, and you do have insurances with Neos. So you do have, Mhmm. at the moment, that you are covered for life and TPD of 823,490. Now Yep. are you still happy with that level of cover? Because, you know, obviously, you bought the investment property. Are you still kind of comfortable with the level of cover you do have? Yeah. I think for the minute that's okay. Yep. And if anything were to happen, a lot of it, obviously, depends on what your goals are, but a lot of people don't factor in necessarily a mortgage on an investment property. Because if something ever were to happen, then worst comes to worst, you could sell the investment property. What you have at the moment does clear out your mortgage completely so at least you don't Yeah. have to worry about that if you move in. And that way, you still give a little bit of extra money as well if something were to happen to assist with, you know, living expenses and stuff like that. Yep. Yep. Yep. Now you also have an income protection policy, and that will pay you a monthly amount of 5,000 Mhmm. 562. Yeah. And at the moment, it is pretty spot on actually what your income's at because you can only get paid up to 70% of your income at the time Yeah. of claim. And Okay. at Cool. 96,000, it's about 5,600. So very close Yeah.","start_word":5171,"end_word":5424,"sentiment":"neutral","sentiment_score":0.08327417110833596},{"text":"to what you have, which Cool. is great because that That's sometimes good.","start_word":5425,"end_word":5437,"sentiment":"positive","sentiment_score":0.5144921541213989},{"text":"the yeah. Yeah. Now with your income protection, you do have a thirty day waiting period, and then it goes all the way up to the age of 65 if something were to happen.","start_word":5438,"end_word":5471,"sentiment":"neutral","sentiment_score":0.13294140994548798},{"text":"Okay. Cool.","start_word":5472,"end_word":5473,"sentiment":"positive","sentiment_score":0.454314261674881},{"text":"All those three structured and paid from within superannuation, so you don't pay for Mhmm. anything out of pocket. You do get a 15% tax rebate. So after that, it's about 3,156.","start_word":5474,"end_word":5505,"sentiment":"neutral","sentiment_score":0.2804062068462372},{"text":"Cool. Yep.","start_word":5506,"end_word":5507,"sentiment":"positive","sentiment_score":0.41067391633987427},{"text":"Now the certificate of currency, it basically shows you your insurances again just in a bit more detail and let you know that's all paid and up to date. Mhmm. And then the last two you should see is a financial services guide version four and an Yep. OQV services guide version one. I will Yep. let you have a read over them in your own time. You would have seen these a couple of times. Yep. It is one of those compliance documents, but it does give you all the important information that you do need to know about us in there. None of the important information has changed, but we've had a bit of an update to marketing, which is great.","start_word":5508,"end_word":5630,"sentiment":"neutral","sentiment_score":0.17892912030220032},{"text":"So if you do go back and have a bit of a read over it, you will see a bit of an update to photos, which is great, a bit of an extension to the team as well.","start_word":5631,"end_word":5668,"sentiment":"positive","sentiment_score":0.34907644987106323},{"text":"And if you Mhmm. do have a look over it, you will see myself there as well if you do wanna put a face to the voice.","start_word":5669,"end_word":5695,"sentiment":"neutral","sentiment_score":0.16219642758369446},{"text":"Cool. Thank you.","start_word":5696,"end_word":5698,"sentiment":"positive","sentiment_score":0.5112432837486267},{"text":"Yep. Now the last thing is just if you're happy to do so is now to click on that link where it says sign now, and it will ask you to sign a couple of those documents. Yep. Now it what it will ask you to sign, it is is the first one you can see authorization Yep. to search for lost super. Yep. Basically, what this is is we like to do it every now and then just to be safe, but it lets us search with the ATO. If you ever have any old super funds open that you might not know about or whether an employer may have put one contribution or something elsewhere, it just Yep. lets us search it with the ATO. And if so, we'll get a bit of a hit to say you have something. We can Yep. then do research and see if we want to obviously consolidate on what to do with it.","start_word":5699,"end_word":5860,"sentiment":"neutral","sentiment_score":0.1374403436978658},{"text":"So it's just good to do every now and then. Yep. You also have a tax file number form that's just just another compliance form just to say we are keeping your tax file number secure and safe on file. Yep. And then the last thing there should be just your ongoing service agreement with Netwealth, and that's just to say that you are happy to stay on as a client.","start_word":5861,"end_word":5931,"sentiment":"positive","sentiment_score":0.5026425719261169},{"text":"Now there is no changes whatsoever in regards to the fee structure. That stays exactly Mhmm. the same at 1.65, so no changes in regards to that. And it is not a lock in contract. So if at any point in time, you are not happy and not a lock in contract at all. So this just lets us service your account and manage everything for you in the meantime. Does that all Yep. make sense? Yes. Yep. And once you've added all the signature on those three documents, it should say Mhmm. validate or update. Yep. And then once you press that, it should then send it back to me. Okay.","start_word":5932,"end_word":6043,"sentiment":"neutral","sentiment_score":0.14832372963428497},{"text":"Cool.","start_word":6044,"end_word":6044,"sentiment":"positive","sentiment_score":0.3360047936439514},{"text":"I'll just have a little refresh and see if that'll come through. Sometimes with Internet, it's a bit slow. It's been a little bit slow today, probably because of the weather. Yeah. It's so fun. Yesterday was worse. So Yeah. now like I said as well, I will get the team to email you out those beneficiary forms.","start_word":6045,"end_word":6102,"sentiment":"neutral","sentiment_score":-0.001619993825443089},{"text":"That way you do Thank have it you. in your inbox.","start_word":6103,"end_word":6113,"sentiment":"positive","sentiment_score":0.4032996892929077},{"text":"If you have any questions about who to nominate or anything like that, just let me know.","start_word":6114,"end_word":6130,"sentiment":"neutral","sentiment_score":0.2092846482992172},{"text":"But, yes, your husband is completely tax free, and at the moment, your children are too. And then when you do get your ID, if you could just click that through as well, that'd be great. Cool.","start_word":6131,"end_word":6167,"sentiment":"positive","sentiment_score":0.3738491237163544},{"text":"Yep. And if anything does change and you do wanna talk about investments or anything like that at any point in time, doesn't have to wait to end your review time. You can give me a call or send me an email whenever you want to, and we can always book you in for a bit of a catch up.","start_word":6168,"end_word":6227,"sentiment":"neutral","sentiment_score":0.17939932694037755},{"text":"Okay. Great. Thank you so much for Perfect. that. That's okay. Do you have any other questions before I let you go and enjoy the rest of your afternoon otherwise?","start_word":6228,"end_word":6257,"sentiment":"positive","sentiment_score":0.5258830189704895},{"text":"No. That's all good. Thank No.","start_word":6258,"end_word":6263,"sentiment":"neutral","sentiment_score":0.17790982127189636},{"text":"you so That's much. all good. Perfect.","start_word":6264,"end_word":6270,"sentiment":"positive","sentiment_score":0.4615601301193238},{"text":"If you do need anything, like I said, I'm always there. Just give me a call.","start_word":6271,"end_word":6286,"sentiment":"neutral","sentiment_score":0.2661285102367401},{"text":"But, otherwise, thank you so much for your time today, Lucy. It was lovely speaking with you, and I look forward to speaking with you soon again. Thanks so much. No worries. See you later. Thanks.","start_word":6287,"end_word":6322,"sentiment":"positive","sentiment_score":0.7149218916893005},{"text":"Bye. Bye.","start_word":6323,"end_word":6324,"sentiment":"neutral","sentiment_score":0.288007915019989}],"average":{"sentiment":"neutral","sentiment_score":0.07759803172105574}}}}