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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. And how's your morning been so far? Been busy or kind of just getting started? Yeah. Well, I will try not to keep you for too long this morning, Allison. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on? Just the usual. No. No. That sounds perfect. Now what I'll run through with you quickly first is just a bit of an updated fact finder to see if there is anything major that has changed in your life, if we need to make any changes to the advice. So just bear with me as I go through these questions here. Now I do have you down here for my personal details as, married with no financial dependent who that's a bit older. Is that the case? Perfect. Now next up, can I have John nominated? Is that still the case as well? Yep. Perfect. Now when it comes to occupation wise, now I know that when you did your interview with my colleague, Kyle, last time, I think you were off work, but we're looking at potentially returning to work. How did, all of that go? Oh, perfect. And when did you start doing that? Okay. Perfect. And working full time? Okay. Casual. Yep. Okay. And do you know roughly how many hours you would do each week, or does that vary quite a lot? Four hours a day and and five days? Yep. Perfect. And income wise, do you know what your income is? Perfect. And that is aft after tax. Great. Perfect. That fortnight. And do you know if they just pay you that standard 12% contribution interest fee for? There's no, like, enterprise bargain agreement or anything like that in place just like the standard. Yep. Perfect. Now when it comes to assets and liabilities, I do have here your property was lost at about 520,000. Is that still the case? Oh, beautiful. Nice increase. Mortgage, I have about $2.65. Okay. $3.94. I have here as well, otherwise, a huge valued at about 40,000. Perfect. And about 15 owing. Perfect. I'll update that. And do you also have two other motor vehicles combined divided about 13,000? Perfect. And you didn't have anything owing on them either? That's perfect. Do you have any other assets we haven't kind of gone through today? That's perfect. And any other Yes. Yeah. Definitely. Sorry. How how much is the camper trailer worth? About 5. And the other trailer? About six. Okay. So probably roughly the same. Yep. Perfect. Any other liabilities, like personal loans or credit card or SIP pay or anything else? Okay. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that the case? Perfect. And have you had any changes to your health in the last twelve months? Yep. And you're still doing three years? Okay. I know you're still kind of doing, like, the three months catch catch ups with you? Okay. Perfect. Okay. Are you feeling okay? Okay. Okay. Well, I will I'll be quick for you, Allison. Estate planning wise, I do have here that you have a will in place. That's great. Perfect. You got everything sorted. Now the next thing is typically running through a bit of a risk profile questionnaire, but I can make it a bit quicker and shorter for you. We have gone through this a couple of times with you. Now we do currently have you down as a growth investor. Are you still planning on retiring around 65 or so, or do you know roughly what your plans would be? About 65. And do you kind of remember what a growth investor quite comfortable with that level of risk the way things are going for you? Yep. Perfect. Now with an asset allocation, it does mean about 80% in your growth investments, 20 in defensive. And when we are looking at a time frame, we wanna allow at least six years until retirement, making sure you have enough time in the market. So if you are looking about that sixty five, you certainly have that time behind you. So if you're happy, we'll just leave everything as is to make it nice and easy. Now the last thing I do wanna run over, Allison, is that I have to send you an email with some documents. Now do you have to your email at the moment or not really right now? Yeah? Okay. Perfect. So if you could go into your email for me, that would be great. Now we have just yep. Yeah. Perfect. So now before you click on the link where it says to sign now, at the bottom of the email, you will see a couple of attachments. Can you see a couple of attachments down there? You should say, like, o q servicing guy. Okay. Well, I won't go through all of them with you, so I don't keep on the phone for too long. The bottom two or the first two where it says Oakview services guide and financial services guide, these are just compliance documents. You would have seen this before. It's just a bit of an updated version. Everything that you need to know is in there. You also have the Vanguard index chart. Again, you would have seen this one. Just a bit of an updated one to kind of give you a good visual representation of the market. You also have your, Ascender, which are MLC life insurance certificate of currency. Again, I won't get you to open that because it just shows you that in a little bit more detail. But if you could open for me the one where it says super insurance summary, that would be good. Yes, please. And it should show your net wealth and insurance policy. The one where it says summary of superannuation and insurances? Sure. No. That's okay. I can see if I can turn it up a little bit. Is that better? Yep. You can see that okay? The the link. It shouldn't do. If you go back okay. Okay. Before you if you go back out, but not on the link, can you does it allow you to just open the PDF document at the bottom of the email? Okay. That's a bit strange, but what I can do just so I don't keep you for too long, what I I can just kind of quickly run through them, and then I can get the no. That's okay. If I can have another two minutes of your time, I'll just go through them with you, and then you can just access them later. If you then have any questions, you can always give me a callback. Is that okay? Yep. Perfect. Now you do have your superannuation, obviously, with Netwealth. You have about a 116,681, and you have your MLC life insurance. Now the other document later I will get you to look at is just a bit of an update on your portfolio and what's happened in the last twelve months. So you're super sitting at around that 116, and after fees in the last twelve months, even though we've had a, you know, a lot of fluctuations and stuff in the last twelve months, it's delivered a return of about 4.25%. And when we do break that down, your global investments, particularly The US and Japan and Europe, have performed very strong, and that were the kind of the main drivers of the growth. On the other hand, parts of the Australian market was a little bit softer, and one of the investments, underperformed a little bit. But I'm not sure if you have seen that we sent you an email a little while ago that we've actually already made that change for you. I'm not sure if you did see it or not. You don't need to sign it or anything, but we send you an email about the March 13. Just letting you know because we noticed and did a lot of research on that investment that it was kind of underperforming a little bit. So we've already swapped that one out for you for another option that has performed a lot better, which is great. You don't need to worry or change anything, but just so you know. Okay? Does that all make sense? Yes. Yeah. Perfect. Now the last thing is when you do have, you know, time or capacity to look at the documents, it will then get you to click on that link to sign it. If you have any issues and it keeps directing you to myGov, just let us know. But, otherwise, when you have a moment, we'll just need you to sign those documents. There is two. One is an ongoing service agreement, just to say that you are happy to stay on as a client, and we can keep servicing you. Now there's no changes in regards to the fees or anything like that. It stays at that 1.1% because, obviously, your partner is a client. And then the last one is just a tax out opt in form, just a compliance document. So that is essentially everything that I just needed to run through with you today. Do you have any questions or anything for me before I let you go, Allison? Okay. Perfect. I will let you go. If you have any questions or any issues with those documents later, just give me a callback. Okay? You too. I hope you feel better. 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This is Veronica from Xfinity Financial. How are you? That's good. I had you booked in to triple overview on your review.\n\nIs now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect.\n\nAnd just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. And how's your morning been so far? Been busy or kind of just getting started?\n\nYeah. Well, I will try not to keep you for too long this morning, Allison. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on? Just the usual. No.\n\nNo. That sounds perfect. Now what I'll run through with you quickly first is just a bit of an updated fact finder to see if there is anything major that has changed in your life, if we need to make any changes to the advice. So just bear with me as I go through these questions here. Now I do have you down here for my personal details as, married with no financial dependent who that's a bit older.\n\nIs that the case? Perfect. Now next up, can I have John nominated? Is that still the case as well? Yep.\n\nPerfect. Now when it comes to occupation wise, now I know that when you did your interview with my colleague, Kyle, last time, I think you were off work, but we're looking at potentially returning to work. How did, all of that go? Oh, perfect. And when did you start doing that?\n\nOkay. Perfect. And working full time? Okay. Casual.\n\nYep. Okay. And do you know roughly how many hours you would do each week, or does that vary quite a lot? Four hours a day and and five days? Yep.\n\nPerfect. And income wise, do you know what your income is? Perfect. And that is aft after tax. Great.\n\nPerfect. That fortnight. And do you know if they just pay you that standard 12% contribution interest fee for? There's no, like, enterprise bargain agreement or anything like that in place just like the standard. Yep.\n\nPerfect. Now when it comes to assets and liabilities, I do have here your property was lost at about 520,000. Is that still the case? Oh, beautiful. Nice increase.\n\nMortgage, I have about $2.65. Okay. $3.94. I have here as well, otherwise, a huge valued at about 40,000. Perfect.\n\nAnd about 15 owing. Perfect. I'll update that. And do you also have two other motor vehicles combined divided about 13,000? Perfect.\n\nAnd you didn't have anything owing on them either? That's perfect. Do you have any other assets we haven't kind of gone through today? That's perfect. And any other Yes.\n\nYeah. Definitely. Sorry. How how much is the camper trailer worth? About 5.\n\nAnd the other trailer? About six. Okay. So probably roughly the same. Yep.\n\nPerfect. Any other liabilities, like personal loans or credit card or SIP pay or anything else? Okay. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker.\n\nIs that the case? Perfect. And have you had any changes to your health in the last twelve months? Yep. And you're still doing three years?\n\nOkay. I know you're still kind of doing, like, the three months catch catch ups with you? Okay. Perfect. Okay.\n\nAre you feeling okay? Okay. Okay. Well, I will I'll be quick for you, Allison. Estate planning wise, I do have here that you have a will in place.\n\nThat's great. Perfect. You got everything sorted. Now the next thing is typically running through a bit of a risk profile questionnaire, but I can make it a bit quicker and shorter for you. We have gone through this a couple of times with you.\n\nNow we do currently have you down as a growth investor. Are you still planning on retiring around 65 or so, or do you know roughly what your plans would be? About 65. And do you kind of remember what a growth investor quite comfortable with that level of risk the way things are going for you? Yep.\n\nPerfect. Now with an asset allocation, it does mean about 80% in your growth investments, 20 in defensive. And when we are looking at a time frame, we wanna allow at least six years until retirement, making sure you have enough time in the market. So if you are looking about that sixty five, you certainly have that time behind you. So if you're happy, we'll just leave everything as is to make it nice and easy.\n\nNow the last thing I do wanna run over, Allison, is that I have to send you an email with some documents. Now do you have to your email at the moment or not really right now? Yeah? Okay. Perfect.\n\nSo if you could go into your email for me, that would be great. Now we have just yep. Yeah. Perfect. So now before you click on the link where it says to sign now, at the bottom of the email, you will see a couple of attachments.\n\nCan you see a couple of attachments down there? You should say, like, o q servicing guy. Okay. Well, I won't go through all of them with you, so I don't keep on the phone for too long. The bottom two or the first two where it says Oakview services guide and financial services guide, these are just compliance documents.\n\nYou would have seen this before. It's just a bit of an updated version. Everything that you need to know is in there. You also have the Vanguard index chart. Again, you would have seen this one.\n\nJust a bit of an updated one to kind of give you a good visual representation of the market. You also have your, Ascender, which are MLC life insurance certificate of currency. Again, I won't get you to open that because it just shows you that in a little bit more detail. But if you could open for me the one where it says super insurance summary, that would be good. Yes, please.\n\nAnd it should show your net wealth and insurance policy. The one where it says summary of superannuation and insurances? Sure. No. That's okay.\n\nI can see if I can turn it up a little bit. Is that better? Yep. You can see that okay? The the link.\n\nIt shouldn't do. If you go back okay. Okay. Before you if you go back out, but not on the link, can you does it allow you to just open the PDF document at the bottom of the email? Okay.\n\nThat's a bit strange, but what I can do just so I don't keep you for too long, what I I can just kind of quickly run through them, and then I can get the no. That's okay. If I can have another two minutes of your time, I'll just go through them with you, and then you can just access them later. If you then have any questions, you can always give me a callback. Is that okay?\n\nYep. Perfect. Now you do have your superannuation, obviously, with Netwealth. You have about a 116,681, and you have your MLC life insurance. Now the other document later I will get you to look at is just a bit of an update on your portfolio and what's happened in the last twelve months.\n\nSo you're super sitting at around that 116, and after fees in the last twelve months, even though we've had a, you know, a lot of fluctuations and stuff in the last twelve months, it's delivered a return of about 4.25%. And when we do break that down, your global investments, particularly The US and Japan and Europe, have performed very strong, and that were the kind of the main drivers of the growth. On the other hand, parts of the Australian market was a little bit softer, and one of the investments, underperformed a little bit. But I'm not sure if you have seen that we sent you an email a little while ago that we've actually already made that change for you. I'm not sure if you did see it or not.\n\nYou don't need to sign it or anything, but we send you an email about the March 13. Just letting you know because we noticed and did a lot of research on that investment that it was kind of underperforming a little bit. So we've already swapped that one out for you for another option that has performed a lot better, which is great. You don't need to worry or change anything, but just so you know. Okay?\n\nDoes that all make sense? Yes. Yeah. Perfect. Now the last thing is when you do have, you know, time or capacity to look at the documents, it will then get you to click on that link to sign it.\n\nIf you have any issues and it keeps directing you to myGov, just let us know. But, otherwise, when you have a moment, we'll just need you to sign those documents. There is two. One is an ongoing service agreement, just to say that you are happy to stay on as a client, and we can keep servicing you. Now there's no changes in regards to the fees or anything like that.\n\nIt stays at that 1.1% because, obviously, your partner is a client. And then the last one is just a tax out opt in form, just a compliance document. So that is essentially everything that I just needed to run through with you today. Do you have any questions or anything for me before I let you go, Allison? Okay.\n\nPerfect. I will let you go. If you have any questions or any issues with those documents later, just give me a callback. Okay? You too.\n\nI hope you feel better. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Allison.","start":2.6399999,"end":3.6799998,"sentiment":"positive","sentiment_score":0.354311724503835},{"text":"This is Veronica from Xfinity Financial.","start":3.6799998,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2804948960741361},{"text":"How are you?","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.19856744507948557},{"text":"That's good.","start":8.559999,"end":9.54,"sentiment":"positive","sentiment_score":0.7071728408336639},{"text":"I had you booked in to triple overview on your review.","start":10.16,"end":12.48,"sentiment":"positive","sentiment_score":0.43613457679748535}],"sentiment":"positive","sentiment_score":0.3821373164653778,"num_words":25,"start":2.6399999,"end":12.48},{"sentences":[{"text":"Is now still a good time for 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Allison.","start":49.635002,"end":52.695,"sentiment":"neutral","sentiment_score":0.027441350743174553},{"text":"But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on?","start":53.390003,"end":64.590004,"sentiment":"neutral","sentiment_score":0.011035472704944286},{"text":"Just the usual.","start":64.590004,"end":65.41,"sentiment":"neutral","sentiment_score":0.02404712699353695},{"text":"No.","start":67.314995,"end":67.814995,"sentiment":"neutral","sentiment_score":-0.0306893028318882}],"sentiment":"neutral","sentiment_score":0.014985486214596128,"num_words":63,"start":48.915,"end":67.814995},{"sentences":[{"text":"No.","start":71.715,"end":72.115,"sentiment":"neutral","sentiment_score":0.11286784708499908},{"text":"That sounds perfect.","start":72.115,"end":73.41499,"sentiment":"neutral","sentiment_score":0.30982192357381183},{"text":"Now what I'll run through with you quickly first is just a bit of an updated fact finder to see if there is anything major that has changed in your life, if we need to make any changes to the advice.","start":74.115,"end":84.58,"sentiment":"neutral","sentiment_score":0.05705233536115507},{"text":"So just bear with me as I go through these questions here.","start":84.58,"end":87.56,"sentiment":"neutral","sentiment_score":0.060376388331254326},{"text":"Now I do have you down here for my personal details as, married with no financial dependent who that's a bit older.","start":88.82,"end":97.735,"sentiment":"neutral","sentiment_score":0.03172562906349247}],"sentiment":"neutral","sentiment_score":0.06080961856943897,"num_words":79,"start":71.715,"end":97.735},{"sentences":[{"text":"Is that the case?","start":97.735,"end":98.875,"sentiment":"neutral","sentiment_score":0.04129876382648945},{"text":"Perfect.","start":100.935,"end":101.435,"sentiment":"neutral","sentiment_score":0.26798129081726074},{"text":"Now next up, can I have John nominated?","start":101.575,"end":104.155,"sentiment":"neutral","sentiment_score":0.09797728434205055},{"text":"Is that still the case as well?","start":104.375,"end":106.075,"sentiment":"neutral","sentiment_score":0.07082449165838105},{"text":"Yep.","start":107.42,"end":107.92,"sentiment":"neutral","sentiment_score":0.0974668487906456}],"sentiment":"neutral","sentiment_score":0.08620156720280647,"num_words":21,"start":97.735,"end":107.92},{"sentences":[{"text":"Perfect.","start":107.979996,"end":108.479996,"sentiment":"neutral","sentiment_score":0.17222091555595398},{"text":"Now when it comes to occupation wise, now I know that when you did your interview with my colleague, Kyle, last time, I think you were off work, but we're looking at potentially returning to work.","start":108.86,"end":121.04,"sentiment":"neutral","sentiment_score":-0.036065620835870504},{"text":"How did, all of that go?","start":121.454994,"end":123.395,"sentiment":"neutral","sentiment_score":0.1097662237783273},{"text":"Oh, perfect.","start":126.655,"end":127.55499,"sentiment":"positive","sentiment_score":0.47885484993457794},{"text":"And when did you start doing that?","start":128.175,"end":130.11499,"sentiment":"neutral","sentiment_score":0.07161100474851471}],"sentiment":"neutral","sentiment_score":0.019066204639294974,"num_words":52,"start":107.979996,"end":130.11499},{"sentences":[{"text":"Okay.","start":133.70999,"end":134.19,"sentiment":"neutral","sentiment_score":0.11942108720541},{"text":"Perfect.","start":134.19,"end":134.59,"sentiment":"neutral","sentiment_score":0.26798635721206665},{"text":"And working full 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standard.","start":182.555,"end":187.87999,"sentiment":"neutral","sentiment_score":-0.06266995565965772},{"text":"Yep.","start":189.29999,"end":189.7,"sentiment":"neutral","sentiment_score":0.05679621547460556}],"sentiment":"neutral","sentiment_score":0.03537785215303302,"num_words":36,"start":173.11499,"end":189.7},{"sentences":[{"text":"Perfect.","start":189.7,"end":190.2,"sentiment":"neutral","sentiment_score":0.16959118843078613},{"text":"Now when it comes to assets and liabilities, I do have here your property was lost at about 520,000.","start":191.37999,"end":199.07999,"sentiment":"neutral","sentiment_score":-0.06370185237181814},{"text":"Is that still the case?","start":199.595,"end":200.975,"sentiment":"neutral","sentiment_score":-0.08063479587435722},{"text":"Oh, beautiful.","start":204.235,"end":204.975,"sentiment":"neutral","sentiment_score":0.2560872286558151},{"text":"Nice 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camper trailer worth?","start":263.825,"end":266.565,"sentiment":"neutral","sentiment_score":0.0041051667649298915},{"text":"About 5.","start":269.6,"end":270.34,"sentiment":"neutral","sentiment_score":0.005949100479483604}],"sentiment":"neutral","sentiment_score":0.0025261177036624695,"num_words":13,"start":262.54498,"end":270.34},{"sentences":[{"text":"And the other trailer?","start":270.4,"end":271.54,"sentiment":"neutral","sentiment_score":0.00619892159011215},{"text":"About six.","start":274.72,"end":275.69998,"sentiment":"neutral","sentiment_score":0.00732341012917459},{"text":"Okay.","start":278.24,"end":278.74,"sentiment":"neutral","sentiment_score":0.014136895537376404},{"text":"So probably roughly the same.","start":279.36,"end":281.06,"sentiment":"neutral","sentiment_score":0.031236407533288},{"text":"Yep.","start":282.51498,"end":283.01498,"sentiment":"neutral","sentiment_score":0.11333489418029784}],"sentiment":"neutral","sentiment_score":0.024853564154070158,"num_words":13,"start":270.4,"end":283.01498},{"sentences":[{"text":"Perfect.","start":283.155,"end":283.655,"sentiment":"positive","sentiment_score":0.3698047995567322},{"text":"Any other liabilities, like personal loans or credit card or SIP pay or anything else?","start":284.19498,"end":289.175,"sentiment":"neutral","sentiment_score":0.07949554274479548},{"text":"Okay.","start":292.51498,"end":293.01498,"sentiment":"neutral","sentiment_score":0.15379273891448977},{"text":"Perfect.","start":293.07498,"end":293.57498,"sentiment":"neutral","sentiment_score":0.31794363260269165},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker.","start":296.68,"end":300.22,"sentiment":"neutral","sentiment_score":0.14976439281151846}],"sentiment":"neutral","sentiment_score":0.12841649738050276,"num_words":31,"start":283.155,"end":300.22},{"sentences":[{"text":"Is that the case?","start":300.6,"end":301.9,"sentiment":"neutral","sentiment_score":0.10539923049509525},{"text":"Perfect.","start":303.63998,"end":304.13998,"sentiment":"neutral","sentiment_score":0.33136647939682007},{"text":"And have you had any changes to your health in the last twelve months?","start":304.19998,"end":308.13998,"sentiment":"neutral","sentiment_score":0.05770256529961314},{"text":"Yep.","start":311.975,"end":312.295,"sentiment":"neutral","sentiment_score":0.04995304346084595},{"text":"And you're still doing three years?","start":312.295,"end":316.295,"sentiment":"neutral","sentiment_score":0.017577831478168566}],"sentiment":"neutral","sentiment_score":0.06600843645775548,"num_words":26,"start":300.6,"end":316.295},{"sentences":[{"text":"Okay.","start":316.295,"end":316.795,"sentiment":"neutral","sentiment_score":0.011555423028767107},{"text":"I know you're still kind of doing, like, the three months catch catch ups with you?","start":316.855,"end":323.03998,"sentiment":"neutral","sentiment_score":0.005920034920563921},{"text":"Okay.","start":324.13998,"end":324.62,"sentiment":"neutral","sentiment_score":0.04109982401132584},{"text":"Perfect.","start":324.62,"end":325.12,"sentiment":"neutral","sentiment_score":0.17014676332473755},{"text":"Okay.","start":326.53998,"end":326.94,"sentiment":"neutral","sentiment_score":0.09390121698379517}],"sentiment":"neutral","sentiment_score":0.02057118930388242,"num_words":20,"start":316.295,"end":326.94},{"sentences":[{"text":"Are you feeling okay?","start":326.94,"end":328.24,"sentiment":"neutral","sentiment_score":0.08676840737462044},{"text":"Okay.","start":330.13998,"end":330.63998,"sentiment":"neutral","sentiment_score":-0.04331996291875839},{"text":"Okay.","start":331.25998,"end":331.66,"sentiment":"neutral","sentiment_score":0.058651138097047806},{"text":"Well, I will I'll be quick for you, Allison.","start":331.66,"end":333.68,"sentiment":"neutral","sentiment_score":0.10826937854290009},{"text":"Estate planning wise, I do have here that you have a will in place.","start":335.44498,"end":340.025,"sentiment":"neutral","sentiment_score":0.08512585556932858}],"sentiment":"neutral","sentiment_score":0.08719279963908524,"num_words":29,"start":326.94,"end":340.025},{"sentences":[{"text":"That's great.","start":342.32498,"end":343.685,"sentiment":"positive","sentiment_score":0.5747445523738861},{"text":"Perfect.","start":343.685,"end":344.085,"sentiment":"positive","sentiment_score":0.533574104309082},{"text":"You got everything sorted.","start":344.085,"end":345.705,"sentiment":"positive","sentiment_score":0.4031002074480057},{"text":"Now the next thing is typically running through a bit of a risk profile questionnaire, but I can make it a bit quicker and shorter for you.","start":346.645,"end":353.45,"sentiment":"neutral","sentiment_score":0.09356925498556208},{"text":"We have gone through this a couple of times with you.","start":353.99002,"end":356.31,"sentiment":"neutral","sentiment_score":0.04335291548208757}],"sentiment":"neutral","sentiment_score":0.13997146652804482,"num_words":45,"start":342.32498,"end":356.31},{"sentences":[{"text":"Now we do currently have you down as a growth investor.","start":356.31,"end":359.53,"sentiment":"neutral","sentiment_score":0.03440974551168355},{"text":"Are you still planning on retiring around 65 or so, or do you know roughly what your plans would be?","start":361.26498,"end":369.525,"sentiment":"neutral","sentiment_score":0.007747497595846653},{"text":"About 65.","start":371.425,"end":372.645,"sentiment":"neutral","sentiment_score":0.0012993207201361656},{"text":"And do you kind of remember what a growth investor quite comfortable with that level of risk the way things are going for you?","start":373.105,"end":381.84,"sentiment":"neutral","sentiment_score":-0.005518722425525387},{"text":"Yep.","start":383.18,"end":383.58002,"sentiment":"neutral","sentiment_score":0.13678759336471558}],"sentiment":"neutral","sentiment_score":0.00931713877823846,"num_words":58,"start":356.31,"end":383.58002},{"sentences":[{"text":"Perfect.","start":383.58002,"end":384.08002,"sentiment":"neutral","sentiment_score":0.3084028363227844},{"text":"Now with an asset allocation, it does mean about 80% in your growth investments, 20 in defensive.","start":385.26,"end":391.825,"sentiment":"neutral","sentiment_score":0.16269429904573104},{"text":"And when we are looking at a time frame, we wanna allow at least six years until retirement, making sure you have enough time in the market.","start":391.965,"end":399.425,"sentiment":"neutral","sentiment_score":0.10601822852536484},{"text":"So if you are looking about that sixty five, you certainly have that time behind you.","start":399.725,"end":404.27,"sentiment":"neutral","sentiment_score":0.2421087557449937},{"text":"So if you're happy, we'll just leave everything as is to make it nice and easy.","start":404.27,"end":408.37,"sentiment":"positive","sentiment_score":0.654468659311533}],"sentiment":"neutral","sentiment_score":0.2634017757297336,"num_words":77,"start":383.58002,"end":408.37},{"sentences":[{"text":"Now the last thing I do wanna run over, Allison, is that I have to send you an email with some documents.","start":409.06998,"end":414.28998,"sentiment":"neutral","sentiment_score":0.04761017689650709},{"text":"Now do you have to your email at the moment or not really right now?","start":414.66998,"end":419.125,"sentiment":"neutral","sentiment_score":-0.0291812806079785},{"text":"Yeah?","start":419.345,"end":419.845,"sentiment":"neutral","sentiment_score":-0.014656854793429376},{"text":"Okay.","start":420.305,"end":420.805,"sentiment":"neutral","sentiment_score":0.22241248190402985},{"text":"Perfect.","start":420.865,"end":421.365,"sentiment":"positive","sentiment_score":0.5413564443588257}],"sentiment":"neutral","sentiment_score":0.033970418851822615,"num_words":40,"start":409.06998,"end":421.365},{"sentences":[{"text":"So if you could go into your email for me, that would be great.","start":421.425,"end":425.365,"sentiment":"positive","sentiment_score":0.5352258192641395},{"text":"Now we have just yep.","start":425.905,"end":428.085,"sentiment":"neutral","sentiment_score":0.06874044388532638},{"text":"Yeah.","start":437.26,"end":437.66,"sentiment":"neutral","sentiment_score":0.1664770245552063},{"text":"Perfect.","start":437.66,"end":438.14,"sentiment":"neutral","sentiment_score":0.25753727555274963},{"text":"So now before you click on the link where it says to sign now, at the bottom of the email, you will see a couple of attachments.","start":438.14,"end":445.305,"sentiment":"neutral","sentiment_score":0.06065058501230346}],"sentiment":"neutral","sentiment_score":0.20621757884509861,"num_words":48,"start":421.425,"end":445.305},{"sentences":[{"text":"Can you see a couple of attachments down there?","start":445.525,"end":448.025,"sentiment":"neutral","sentiment_score":0.024551714667015605},{"text":"You should say, like, o q servicing guy.","start":452.245,"end":454.98502,"sentiment":"neutral","sentiment_score":0.008500829106196761},{"text":"Okay.","start":456.6,"end":457.1,"sentiment":"neutral","sentiment_score":0.019074182957410812},{"text":"Well, I won't go through all of them with you, so I don't keep on the phone for too long.","start":457.32,"end":460.84,"sentiment":"neutral","sentiment_score":-0.08827551053836942},{"text":"The bottom two or the first two where it says Oakview services guide and financial services guide, these are just compliance documents.","start":460.84,"end":467.47998,"sentiment":"neutral","sentiment_score":-0.001167056912725622}],"sentiment":"neutral","sentiment_score":-0.024718986917287113,"num_words":60,"start":445.525,"end":467.47998},{"sentences":[{"text":"You would have seen this before.","start":467.47998,"end":468.75998,"sentiment":"neutral","sentiment_score":0.016079585999250412},{"text":"It's just a bit of an updated version.","start":468.75998,"end":470.005,"sentiment":"neutral","sentiment_score":0.06289451010525227},{"text":"Everything that you need to know is in there.","start":470.005,"end":472.665,"sentiment":"neutral","sentiment_score":0.1270690063635508},{"text":"You also have the Vanguard index chart.","start":473.605,"end":476.325,"sentiment":"neutral","sentiment_score":0.07924322624291692},{"text":"Again, you would have seen this one.","start":476.325,"end":478.165,"sentiment":"neutral","sentiment_score":0.1232708649975913}],"sentiment":"neutral","sentiment_score":0.08542846737278474,"num_words":37,"start":467.47998,"end":478.165},{"sentences":[{"text":"Just a bit of an updated one to kind of give you a good visual representation of the market.","start":478.165,"end":484.02502,"sentiment":"neutral","sentiment_score":0.18623181706980654},{"text":"You also have your, Ascender, which are MLC life insurance certificate of currency.","start":485.53003,"end":492.09003,"sentiment":"neutral","sentiment_score":0.11157895338076812},{"text":"Again, I won't get you to open that because it just shows you that in a little bit more detail.","start":492.09003,"end":496.41,"sentiment":"neutral","sentiment_score":0.02140884823165834},{"text":"But if you could open for me the one where it says super insurance summary, that would be good.","start":496.41,"end":502.555,"sentiment":"neutral","sentiment_score":0.08998853203497435},{"text":"Yes, please.","start":504.695,"end":505.595,"sentiment":"neutral","sentiment_score":0.07304529473185539}],"sentiment":"neutral","sentiment_score":0.09962987097311918,"num_words":73,"start":478.165,"end":505.595},{"sentences":[{"text":"And it should show your net wealth and insurance policy.","start":513.51,"end":517.37,"sentiment":"neutral","sentiment_score":0.04533158466219902},{"text":"The one where it says summary of superannuation and insurances?","start":518.39,"end":522.25,"sentiment":"neutral","sentiment_score":-0.026086876913905144},{"text":"Sure.","start":525.125,"end":525.625,"sentiment":"neutral","sentiment_score":0.0005073696374893188},{"text":"No.","start":527.045,"end":527.205,"sentiment":"neutral","sentiment_score":-0.1632184088230133},{"text":"That's okay.","start":527.205,"end":527.925,"sentiment":"neutral","sentiment_score":-0.05935472156852484}],"sentiment":"neutral","sentiment_score":-0.003707225201651454,"num_words":24,"start":513.51,"end":527.925},{"sentences":[{"text":"I can see if I can turn it up a little bit.","start":527.925,"end":530.105,"sentiment":"neutral","sentiment_score":0.07015670649707317},{"text":"Is that better?","start":530.725,"end":531.625,"sentiment":"neutral","sentiment_score":0.14217558006445566},{"text":"Yep.","start":533.445,"end":533.945,"sentiment":"neutral","sentiment_score":0.11576702445745468},{"text":"You can see that okay?","start":538.58,"end":539.8,"sentiment":"neutral","sentiment_score":0.07518207505345345},{"text":"The the link.","start":544.9,"end":545.96,"sentiment":"neutral","sentiment_score":0.006844957669576009}],"sentiment":"neutral","sentiment_score":0.07419247878715396,"num_words":24,"start":527.925,"end":545.96},{"sentences":[{"text":"It shouldn't do.","start":552.11505,"end":553.895,"sentiment":"neutral","sentiment_score":-0.1682124137878418},{"text":"If you go back okay.","start":555.635,"end":558.85504,"sentiment":"neutral","sentiment_score":0.0005593016743659973},{"text":"Okay.","start":566.76996,"end":567.26996,"sentiment":"neutral","sentiment_score":0.0464257076382637},{"text":"Before you if you go back out, but not on the link, can you does it allow you to just open the PDF document at the bottom of the email?","start":568.29,"end":579.40497,"sentiment":"neutral","sentiment_score":-0.004694371949881315},{"text":"Okay.","start":584.44,"end":584.92,"sentiment":"neutral","sentiment_score":0.031168656423687935}],"sentiment":"neutral","sentiment_score":-0.01412693818565458,"num_words":40,"start":552.11505,"end":584.92},{"sentences":[{"text":"That's a bit strange, but what I can do just so I don't keep you for too long, what I I can just kind of quickly run through them, and then I can get the no.","start":584.92,"end":599.335,"sentiment":"neutral","sentiment_score":-0.08189667005919748},{"text":"That's okay.","start":599.335,"end":600.155,"sentiment":"neutral","sentiment_score":-0.051424212753772736},{"text":"If I can have another two minutes of your time, I'll just go through them with you, and then you can just access them later.","start":601.415,"end":607.435,"sentiment":"neutral","sentiment_score":0.1600425907969475},{"text":"If you then have any questions, you can always give me a callback.","start":607.575,"end":610.295,"sentiment":"neutral","sentiment_score":0.12534268888143393},{"text":"Is that okay?","start":610.295,"end":611.115,"sentiment":"neutral","sentiment_score":0.09232192238171895}],"sentiment":"neutral","sentiment_score":0.036156417023909246,"num_words":79,"start":584.92,"end":611.115},{"sentences":[{"text":"Yep.","start":611.25,"end":611.75,"sentiment":"neutral","sentiment_score":0.1460815072059631},{"text":"Perfect.","start":612.93,"end":613.43,"sentiment":"positive","sentiment_score":0.6542903184890747},{"text":"Now you do have your superannuation, obviously, with Netwealth.","start":614.29,"end":617.67,"sentiment":"neutral","sentiment_score":0.3262059622340732},{"text":"You have about a 116,681, and you have your MLC life insurance.","start":617.73,"end":623.51,"sentiment":"neutral","sentiment_score":0.2049055707951387},{"text":"Now the other document later I will get you to look at is just a bit of an update on your portfolio and what's happened in the last twelve months.","start":624.285,"end":632.385,"sentiment":"neutral","sentiment_score":0.15734454914927481}],"sentiment":"neutral","sentiment_score":0.20595148697776614,"num_words":53,"start":611.25,"end":632.385},{"sentences":[{"text":"So you're super sitting at around that 116, and after fees in the last twelve months, even though we've had a, you know, a lot of fluctuations and stuff in the last twelve months, it's delivered a return of about 4.25%.","start":632.925,"end":645.98004,"sentiment":"neutral","sentiment_score":0.08199869302987325},{"text":"And when we do break that down, your global investments, particularly The US and Japan and Europe, have performed very strong, and that were the kind of the main drivers of the growth.","start":646.44,"end":656.545,"sentiment":"neutral","sentiment_score":0.3219108669595285},{"text":"On the other hand, parts of the Australian market was a little bit softer, and one of the investments, underperformed a little bit.","start":657.245,"end":664.20496,"sentiment":"neutral","sentiment_score":-0.27083677863297256},{"text":"But I'm not sure if you have seen that we sent you an email a little while ago that we've actually already made that change for you.","start":664.20496,"end":671.63,"sentiment":"neutral","sentiment_score":0.03460177737805578},{"text":"I'm not sure if you did see it or not.","start":671.76996,"end":673.93,"sentiment":"neutral","sentiment_score":-0.005737601453438402}],"sentiment":"neutral","sentiment_score":0.0644226200746567,"num_words":134,"start":632.925,"end":673.93},{"sentences":[{"text":"You don't need to sign it or anything, but we send you an email about the March 13.","start":673.93,"end":678.67,"sentiment":"neutral","sentiment_score":0.027139564976096153},{"text":"Just letting you know because we noticed and did a lot of research on that investment that it was kind of underperforming a little bit.","start":678.995,"end":685.555,"sentiment":"neutral","sentiment_score":-0.18200509294867515},{"text":"So we've already swapped that one out for you for another option that has performed a lot better, which is great.","start":685.555,"end":691.33496,"sentiment":"neutral","sentiment_score":0.27740237542561125},{"text":"You don't need to worry or change anything, but just so you know.","start":691.41,"end":694.44995,"sentiment":"neutral","sentiment_score":0.3148599931826958},{"text":"Okay?","start":694.44995,"end":694.94995,"sentiment":"neutral","sentiment_score":0.26553064584732056}],"sentiment":"neutral","sentiment_score":0.07849417034632121,"num_words":78,"start":673.93,"end":694.94995},{"sentences":[{"text":"Does that all make sense?","start":696.76996,"end":697.99,"sentiment":"neutral","sentiment_score":0.2593043386936188},{"text":"Yes.","start":699.41,"end":699.91,"sentiment":"neutral","sentiment_score":0.2363421618938446},{"text":"Yeah.","start":700.44995,"end":700.93,"sentiment":"neutral","sentiment_score":0.3274497389793396},{"text":"Perfect.","start":700.93,"end":701.43,"sentiment":"positive","sentiment_score":0.5173472166061401},{"text":"Now the last thing is when you do have, you know, time or capacity to look at the documents, it will then get you to click on that link to sign it.","start":702.37,"end":711.105,"sentiment":"neutral","sentiment_score":0.13969428651034832}],"sentiment":"neutral","sentiment_score":0.17119694948196412,"num_words":40,"start":696.76996,"end":711.105},{"sentences":[{"text":"If you have any issues and it keeps directing you to myGov, just let us know.","start":711.105,"end":715.50494,"sentiment":"neutral","sentiment_score":0.09808269655331969},{"text":"But, otherwise, when you have a moment, we'll just need you to sign those documents.","start":715.50494,"end":719.20496,"sentiment":"neutral","sentiment_score":0.09800452440977096},{"text":"There is two.","start":719.75,"end":720.63,"sentiment":"neutral","sentiment_score":0.11036418378353119},{"text":"One is an ongoing service agreement, just to say that you are happy to stay on as a client, and we can keep servicing you.","start":720.63,"end":728.81,"sentiment":"neutral","sentiment_score":0.2933697408437729},{"text":"Now there's no changes in regards to the fees or anything like that.","start":729.27,"end":733.19,"sentiment":"neutral","sentiment_score":0.14826191675204498}],"sentiment":"neutral","sentiment_score":0.17544627779473862,"num_words":72,"start":711.105,"end":733.19},{"sentences":[{"text":"It stays at that 1.1% because, obviously, your partner is a client.","start":733.19,"end":737.925,"sentiment":"neutral","sentiment_score":0.2346129169066747},{"text":"And then the last one is just a tax out opt in form, just a compliance document.","start":738.305,"end":742.805,"sentiment":"neutral","sentiment_score":0.1758607170161079},{"text":"So that is essentially everything that I just needed to run through with you today.","start":743.265,"end":747.205,"sentiment":"neutral","sentiment_score":0.2716658095518748},{"text":"Do you have any questions or anything for me before I let you go, Allison?","start":747.72,"end":751.89996,"sentiment":"neutral","sentiment_score":0.10152259618043899},{"text":"Okay.","start":753.63995,"end":754.04,"sentiment":"neutral","sentiment_score":0.21331192553043363}],"sentiment":"neutral","sentiment_score":0.19360208672781784,"num_words":60,"start":733.19,"end":754.04},{"sentences":[{"text":"Perfect.","start":754.04,"end":754.44,"sentiment":"positive","sentiment_score":0.4528088569641114},{"text":"I will let you go.","start":754.44,"end":755.24,"sentiment":"neutral","sentiment_score":0.2637398324906826},{"text":"If you have any questions or any issues with those documents later, just give me a callback.","start":755.24,"end":759.16,"sentiment":"neutral","sentiment_score":0.02607644152115373},{"text":"Okay?","start":759.16,"end":759.66,"sentiment":"neutral","sentiment_score":0.06867828220129013},{"text":"You too.","start":762.9769,"end":763.3769,"sentiment":"positive","sentiment_score":0.5401200652122498}],"sentiment":"neutral","sentiment_score":0.129374074534728,"num_words":26,"start":754.04,"end":763.3769},{"sentences":[{"text":"I hope you feel better.","start":763.3769,"end":764.5169,"sentiment":"positive","sentiment_score":0.6016149938106536},{"text":"Bye.","start":765.05695,"end":765.55695,"sentiment":"positive","sentiment_score":0.3335301876068115}],"sentiment":"positive","sentiment_score":0.55693419277668,"num_words":6,"start":763.3769,"end":765.55695}]}}]},{"alternatives":[{"transcript":"Hello. Allison speaking. Yes. Thank you. Yep. Yep. I was to Margaret Pasco. 2444686 Koala Street, Cherry. No. Just set up. No. No. Just you I pay you guys to look after me, so I don't need to worry about it. That's right. Yes. Yeah. I'm a school bus driver now. January. Well, no. They have you as a casual because it's casual hours. No. I do four hours a day. Every day. Yep. I get $1,394 a fortnight after tax. No. It's just the basic. No. It's now seven 100 no. It's 725. No. We we did a refinance. It's now $3.94. Yep. No. No. No. No. Yes. No. Not really. No. Oh, actually, I don't know. Do you class a camper trailer and another trailer as f six? I don't know. Yeah. About 5,000. That's $6.06 thousand 5 100 we paid for that earlier this year. Yep. I've got 6, but that's 3,000. That is. I'm still going to branch dental treatment. So that's for the next three years still. Yeah. I have treatment every three months, which I had two days ago. No. Not really. So we'll just keep going. Yep. Yes. And drink of attorney and health directive. Yeah. About six to five. Yep. Yes. Yeah. No. I do. Hold on. Yep. Signature request. Yep. Oh, yes. About six of them. Do you want me to open that now? Sorry. Which one? Okay. Hold on. So we have to hear you. Oh, yep. I got it. It goes into my gov. Yep. I touched on the link and it went to my gov. Hold on. Now it's downloading. Yep. Went straight back into my go. No. It wants to download it. And when I push download, it goes to my gov. I'll look on honestly honestly, I'll look at them later. I really don't I just can't be bothered today. I'm sorry. Yep. Yep. Yep. Yeah. Yeah. That's fine. Whatever. No. Thanks. Yep. Okay. Thank you. Have a good day. Yep. See you. 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Allison speaking. Yes. Thank you. Yep.\n\nYep. I was to Margaret Pasco. 2444686 Koala Street, Cherry. No. Just set up.\n\nNo. No. Just you I pay you guys to look after me, so I don't need to worry about it. That's right. Yes.\n\nYeah. I'm a school bus driver now. January. Well, no. They have you as a casual because it's casual hours.\n\nNo. I do four hours a day. Every day. Yep. I get $1,394 a fortnight after tax.\n\nNo. It's just the basic. No. It's now seven 100 no. It's 725.\n\nNo. We we did a refinance. It's now $3.94. Yep. No.\n\nNo. No. No. Yes. No.\n\nNot really. No. Oh, actually, I don't know. Do you class a camper trailer and another trailer as f six? I don't know.\n\nYeah. About 5,000. That's $6.06 thousand 5 100 we paid for that earlier this year. Yep. I've got 6, but that's 3,000.\n\nThat is. I'm still going to branch dental treatment. So that's for the next three years still. Yeah. I have treatment every three months, which I had two days ago.\n\nNo. Not really. So we'll just keep going. Yep. Yes.\n\nAnd drink of attorney and health directive. Yeah. About six to five. Yep. Yes.\n\nYeah. No. I do. Hold on. Yep.\n\nSignature request. Yep. Oh, yes. About six of them. Do you want me to open that now?\n\nSorry. Which one? Okay. Hold on. So we have to hear you.\n\nOh, yep. I got it. It goes into my gov. Yep. I touched on the link and it went to my gov.\n\nHold on. Now it's downloading. Yep. Went straight back into my go. No.\n\nIt wants to download it. And when I push download, it goes to my gov. I'll look on honestly honestly, I'll look at them later. I really don't I just can't be bothered today. I'm sorry.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nThat's fine. Whatever. No. Thanks. Yep.\n\nOkay. Thank you. Have a good day. Yep. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.03270893543958664},{"text":"Allison speaking.","start":1.1999999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03819185309112072},{"text":"Yes.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.3605698347091675},{"text":"Thank you.","start":7.2799997,"end":8.1,"sentiment":"positive","sentiment_score":0.667689859867096},{"text":"Yep.","start":14.559999,"end":15.059999,"sentiment":"neutral","sentiment_score":0.11662092059850691}],"sentiment":"neutral","sentiment_score":0.27452330238052775,"num_words":7,"start":0.71999997,"end":15.059999},{"sentences":[{"text":"Yep.","start":25.125,"end":25.625,"sentiment":"neutral","sentiment_score":0.11953163146972656},{"text":"I was to Margaret Pasco.","start":34.35,"end":35.63,"sentiment":"neutral","sentiment_score":0.015283294394612313},{"text":"2444686 Koala Street, 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sorry.","start":597.96,"end":598.62,"sentiment":"neutral","sentiment_score":-0.27411871403455734}],"sentiment":"neutral","sentiment_score":-0.1643103434600764,"num_words":36,"start":578.945,"end":598.62},{"sentences":[{"text":"Yep.","start":605.145,"end":605.645,"sentiment":"neutral","sentiment_score":0.17984549701213837},{"text":"Yep.","start":608.105,"end":608.605,"sentiment":"neutral","sentiment_score":0.09506219625473022},{"text":"Yep.","start":611.865,"end":612.365,"sentiment":"neutral","sentiment_score":0.3111223578453064},{"text":"Yeah.","start":687.81,"end":688.31,"sentiment":"neutral","sentiment_score":0.09646154940128326},{"text":"Yeah.","start":698.45,"end":698.77,"sentiment":"neutral","sentiment_score":0.2050701379776001}],"sentiment":"neutral","sentiment_score":0.17751234769821167,"num_words":5,"start":605.145,"end":698.77},{"sentences":[{"text":"That's fine.","start":698.77,"end":699.33,"sentiment":"neutral","sentiment_score":0.23791345208883286},{"text":"Whatever.","start":699.33,"end":699.83,"sentiment":"neutral","sentiment_score":0.2150382548570633},{"text":"No.","start":752.615,"end":752.775,"sentiment":"neutral","sentiment_score":0.01139255240559578},{"text":"Thanks.","start":752.775,"end":753.275,"sentiment":"neutral","sentiment_score":0.1972386538982391},{"text":"Yep.","start":760.295,"end":760.795,"sentiment":"neutral","sentiment_score":0.14295276999473572}],"sentiment":"neutral","sentiment_score":0.17374152255554995,"num_words":6,"start":698.77,"end":760.795},{"sentences":[{"text":"Okay.","start":760.855,"end":761.255,"sentiment":"neutral","sentiment_score":0.30454277992248535},{"text":"Thank you.","start":761.255,"end":761.65497,"sentiment":"positive","sentiment_score":0.7699697017669678},{"text":"Have a good day.","start":761.65497,"end":762.50696,"sentiment":"positive","sentiment_score":0.7135884910821915},{"text":"Yep.","start":765.06696,"end":765.54694,"sentiment":"neutral","sentiment_score":0.20375141501426697},{"text":"See you.","start":765.54694,"end":766.10693,"sentiment":"neutral","sentiment_score":0.3138805776834488}],"sentiment":"positive","sentiment_score":0.5530348718166351,"num_words":10,"start":760.855,"end":766.10693},{"sentences":[{"text":"Bye.","start":766.10693,"end":766.60693,"sentiment":"neutral","sentiment_score":-0.0953843966126442}],"sentiment":"neutral","sentiment_score":-0.0953843966126442,"num_words":1,"start":766.10693,"end":766.60693}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Allison speaking.\n\nChannel 0: Good morning, Allison. This is Veronica from Xfinity Financial. How are you?\n\nChannel 1: Yes. Thank you.\n\nChannel 0: That's good. I had you booked in to triple overview on your review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: I was to Margaret Pasco. 2444686 Koala Street, Cherry.\n\nChannel 0: Perfect. That's exactly what I have here. And how's your morning been so far? Been busy or kind of just getting started?\n\nChannel 1: No. Just set up.\n\nChannel 0: Yeah. Well, I will try not to keep you for too long this morning, Allison. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on? Just the usual.\n\nChannel 1: No. No. Just you\n\nChannel 0: No.\n\nChannel 1: I pay you guys to look after me, so I don't need to worry about it.\n\nChannel 0: No. That sounds perfect. Now what I'll run through with you quickly first is just a bit of an updated fact finder to see if there is anything major that has changed in your life, if we need to make any changes to the advice. So just bear with me as I go through these questions here. Now I do have you down here for my personal details as, married with no financial dependent who that's a bit older.\n\nIs that the case?\n\nChannel 1: That's\n\nChannel 0: Perfect. Now next up, can I have John nominated? Is that still the case as well?\n\nChannel 1: right. Yes.\n\nChannel 0: Yep. Perfect. Now when it comes to occupation wise, now I know that when you did your interview with my colleague, Kyle, last time, I think you were off work, but we're looking at potentially returning to work. How did, all of that go?\n\nChannel 1: Yeah. I'm a school bus driver\n\nChannel 0: Oh, perfect.\n\nChannel 1: now.\n\nChannel 0: And when did you start doing that?\n\nChannel 1: January.\n\nChannel 0: Okay. Perfect. And working full time?\n\nChannel 1: Well, no. They have you as a casual\n\nChannel 0: Okay. Casual.\n\nChannel 1: because it's casual hours.\n\nChannel 0: Yep. Okay. And do you know roughly how many hours you would do each week, or does that vary quite a lot?\n\nChannel 1: No. I do four hours a day.\n\nChannel 0: Four hours\n\nChannel 1: Every\n\nChannel 0: a day\n\nChannel 1: day.\n\nChannel 0: and and five days?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And income wise, do you know what your income\n\nChannel 1: I get\n\nChannel 0: is?\n\nChannel 1: $1,394 a fortnight\n\nChannel 0: Perfect.\n\nChannel 1: after\n\nChannel 0: And that is\n\nChannel 1: tax.\n\nChannel 0: aft after tax. Great. Perfect. That fortnight. And do you know if they just pay you that standard 12% contribution interest fee for?\n\nThere's no, like, enterprise bargain agreement or anything like that in place just like the\n\nChannel 1: No.\n\nChannel 0: standard.\n\nChannel 1: It's just the basic.\n\nChannel 0: Yep. Perfect. Now when it comes to assets and liabilities, I do have here your property was lost at about 520,000. Is\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: It's\n\nChannel 0: still\n\nChannel 1: now\n\nChannel 0: the\n\nChannel 1: seven\n\nChannel 0: case?\n\nChannel 1: 100 no. It's 725.\n\nChannel 0: Oh, beautiful. Nice increase. Mortgage, I have about $2.65.\n\nChannel 1: No. We we did a refinance. It's now $3.94.\n\nChannel 0: Okay. $3.94. I have here as well, otherwise, a huge valued at about 40,000. Perfect. And about 15 owing.\n\nChannel 1: Yep. No. No. No. No.\n\nChannel 0: Perfect. I'll update that. And do you also have two other motor vehicles combined divided about 13,000?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And you didn't have anything owing on them either? That's perfect. Do you have any other assets we haven't kind of gone through today?\n\nChannel 1: No. Not really. No.\n\nChannel 0: That's perfect. And any other\n\nChannel 1: Oh, actually, I don't know. Do you class a camper trailer and another trailer as f six? I don't know.\n\nChannel 0: Yes. Yeah. Definitely. Sorry. How how\n\nChannel 1: Yeah.\n\nChannel 0: much is the camper trailer worth?\n\nChannel 1: About 5,000.\n\nChannel 0: About 5. And the other trailer?\n\nChannel 1: That's $6.06\n\nChannel 0: About\n\nChannel 1: thousand 5\n\nChannel 0: six.\n\nChannel 1: 100 we paid for that earlier this\n\nChannel 0: Okay.\n\nChannel 1: year.\n\nChannel 0: So probably roughly the same.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Any other liabilities, like personal loans or credit card or SIP pay or anything else?\n\nChannel 1: I've got 6, but that's 3,000.\n\nChannel 0: Okay. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that the case?\n\nChannel 1: That is.\n\nChannel 0: Perfect. And have you had any changes to your health in the last twelve months?\n\nChannel 1: I'm still going to branch dental treatment.\n\nChannel 0: Yep. And you're\n\nChannel 1: So\n\nChannel 0: still\n\nChannel 1: that's\n\nChannel 0: doing\n\nChannel 1: for the next three years still.\n\nChannel 0: three years? Okay. I know you're still kind of doing, like, the three months catch catch ups\n\nChannel 1: Yeah. I\n\nChannel 0: with\n\nChannel 1: have treatment\n\nChannel 0: you?\n\nChannel 1: every three months,\n\nChannel 0: Okay.\n\nChannel 1: which I\n\nChannel 0: Perfect.\n\nChannel 1: had two days ago.\n\nChannel 0: Okay. Are you feeling okay?\n\nChannel 1: No. Not really. So we'll just\n\nChannel 0: Okay.\n\nChannel 1: keep going.\n\nChannel 0: Okay. Well, I will I'll be quick for you, Allison.\n\nChannel 1: Yep.\n\nChannel 0: Estate planning wise, I do have here that you have a will in place.\n\nChannel 1: Yes. And drink of attorney and health directive.\n\nChannel 0: That's great. Perfect. You got everything sorted. Now the next thing is typically running through a bit of a risk profile questionnaire, but I can make it a bit quicker and shorter for you. We have gone through this a couple of times with you.\n\nNow we do currently have you down as a growth investor. Are you still planning on retiring around 65 or so, or do you know roughly what your plans would be?\n\nChannel 1: Yeah. About six to five.\n\nChannel 0: About 65. And do you kind of remember what a growth investor quite comfortable with that level of risk the way things are going for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now with an asset allocation, it does mean about 80% in your growth investments, 20 in defensive. And when we are looking at a time frame, we wanna allow at least six years until retirement, making sure you have enough time in the market. So if you are looking about that sixty five, you certainly have that time behind you.\n\nSo if you're happy, we'll just leave everything as is to make it nice and easy. Now\n\nChannel 1: Yes.\n\nChannel 0: the last thing I do wanna run over, Allison, is that I have to send you an email with some documents. Now do you have to your email at the moment or not really\n\nChannel 1: Yeah.\n\nChannel 0: right now?\n\nChannel 1: No.\n\nChannel 0: Yeah?\n\nChannel 1: I do.\n\nChannel 0: Okay. Perfect. So if you could go into your email for me, that would be great. Now\n\nChannel 1: Hold\n\nChannel 0: we\n\nChannel 1: on.\n\nChannel 0: have just yep.\n\nChannel 1: Yep. Signature request. Yep.\n\nChannel 0: Yeah. Perfect. So now before you click on the link where it says to sign now, at the bottom of the email, you will see a couple of attachments. Can you see a couple of attachments down there? You should say, like, o q servicing\n\nChannel 1: Oh, yes.\n\nChannel 0: guy.\n\nChannel 1: About six of them.\n\nChannel 0: Okay. Well, I won't go through all of them with you, so I don't keep on the phone for too long. The bottom two or the first two where it says Oakview services guide and financial services guide, these are just compliance documents. You would have seen this before. It's just a bit of an updated version.\n\nEverything that you need to know is in there. You also have the Vanguard index chart. Again, you would have seen this one. Just a bit of an updated one to kind of give you a good visual representation of the market. You also have your, Ascender, which are MLC life insurance certificate of currency.\n\nAgain, I won't get you to open that because it just shows you that in a little bit more detail. But if you could open for me the one where it says super insurance summary, that would be good.\n\nChannel 1: Do you want me to open that now?\n\nChannel 0: Yes, please. And it should show your net wealth and insurance\n\nChannel 1: Sorry.\n\nChannel 0: policy.\n\nChannel 1: Which one?\n\nChannel 0: The one where it says summary of superannuation and insurances?\n\nChannel 1: Okay. Hold on.\n\nChannel 0: Sure.\n\nChannel 1: So we have to hear you.\n\nChannel 0: No. That's okay. I can see if I can turn it up a little bit. Is that better?\n\nChannel 1: Oh, yep. I got it.\n\nChannel 0: Yep. You can see that okay?\n\nChannel 1: It goes into my gov.\n\nChannel 0: The the link.\n\nChannel 1: Yep. I touched on the link and it went to my gov.\n\nChannel 0: It shouldn't do. If\n\nChannel 1: Hold\n\nChannel 0: you go\n\nChannel 1: on. Now it's\n\nChannel 0: back\n\nChannel 1: downloading.\n\nChannel 0: okay.\n\nChannel 1: Yep. Went straight back into my go.\n\nChannel 0: Okay. Before you if you go back out, but not on the link, can you does it allow you to just open the PDF document at the bottom of\n\nChannel 1: No.\n\nChannel 0: the email?\n\nChannel 1: It wants to download it. And when I push download, it goes to my gov.\n\nChannel 0: Okay. That's a bit strange, but what I can do just so I don't keep you for too long, what I I can just kind of quickly run through them, and then\n\nChannel 1: I'll\n\nChannel 0: I\n\nChannel 1: look\n\nChannel 0: can get\n\nChannel 1: on\n\nChannel 0: the\n\nChannel 1: honestly honestly, I'll look at them later. I really don't I just can't be bothered today. I'm sorry.\n\nChannel 0: no. That's okay. If I can have another two minutes of your time, I'll just go through them\n\nChannel 1: Yep.\n\nChannel 0: with you, and then you can just access them later. If you then have\n\nChannel 1: Yep.\n\nChannel 0: any questions, you can always give me a callback. Is that okay? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now you do have your superannuation, obviously, with Netwealth. You have about a 116,681, and you have your MLC life insurance. Now the other document later I will get you to look at is just a bit of an update on your portfolio and what's happened in the last twelve months. So you're super sitting at around that 116, and after fees in the last twelve months, even though we've had a, you know, a lot of fluctuations and stuff in the last twelve months, it's delivered a return of about 4.25%.\n\nAnd when we do break that down, your global investments, particularly The US and Japan and Europe, have performed very strong, and that were the kind of the main drivers of the growth. On the other hand, parts of the Australian market was a little bit softer, and one of the investments, underperformed a little bit. But I'm not sure if you have seen that we sent you an email a little while ago that we've actually already made that change for you. I'm not sure if you did see it or not. You don't need to sign it or anything, but we send you an email about the March 13.\n\nJust letting you know because we noticed and did a lot of research on that investment that it was kind of underperforming a little bit. So we've already swapped that one out for you for\n\nChannel 1: Yeah.\n\nChannel 0: another option that has performed a lot better, which is great. You don't need to worry or change anything, but just so you know. Okay? Does that all make sense?\n\nChannel 1: Yeah. That's fine. Whatever.\n\nChannel 0: Yes. Yeah. Perfect. Now the last thing is when you do have, you know, time or capacity to look at the documents, it will then get you to click on that link to sign it. If you have any issues and it keeps directing you to myGov, just let us know.\n\nBut, otherwise, when you have a moment, we'll just need you to sign those documents. There is two. One is an ongoing service agreement, just to say that you are happy to stay on as a client, and we can keep servicing you. Now there's no changes in regards to the fees or anything like that. It stays at that 1.1% because, obviously, your partner is a client.\n\nAnd then the last one is just a tax out opt in form, just a compliance document. So that is essentially everything that I just needed to run through with you today. Do you have any questions or anything for me before I let you go, Allison?\n\nChannel 1: No. Thanks.\n\nChannel 0: Okay. Perfect. I will let you go. If you have any questions or any issues with those documents later, just give me a callback. Okay?\n\nChannel 1: Yep. Okay. Thank you. Have a good day.\n\nChannel 0: You too. I hope you feel better. Bye.\n\nChannel 1: Yep. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.71999997,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.03270893543958664},{"text":"Allison speaking.","start":1.1999999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.03819185309112072}],"sentiment":"neutral","sentiment_score":0.036364213873942695,"channel":1,"num_words":3,"start":0.71999997,"end":2.1799998},{"sentences":[{"text":"Good morning, Allison.","start":2.6399999,"end":3.6799998,"sentiment":"positive","sentiment_score":0.354311724503835},{"text":"This is Veronica from Xfinity Financial.","start":3.6799998,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2804948960741361},{"text":"How are you?","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.19856744507948557}],"sentiment":"neutral","sentiment_score":0.2784672404328982,"channel":0,"num_words":12,"start":2.6399999,"end":6.58},{"sentences":[{"text":"Yes.","start":7.04,"end":7.2799997,"sentiment":"positive","sentiment_score":0.3605698347091675},{"text":"Thank you.","start":7.2799997,"end":8.1,"sentiment":"positive","sentiment_score":0.667689859867096}],"sentiment":"positive","sentiment_score":0.5653165181477865,"channel":1,"num_words":3,"start":7.04,"end":8.1},{"sentences":[{"text":"That's good.","start":8.559999,"end":9.54,"sentiment":"positive","sentiment_score":0.7071728408336639},{"text":"I had you booked in to triple overview on your review.","start":10.16,"end":12.48,"sentiment":"positive","sentiment_score":0.43613457679748535},{"text":"Is now still a good time for you?","start":12.48,"end":14.085,"sentiment":"positive","sentiment_score":0.3539220318198204}],"sentiment":"positive","sentiment_score":0.43062868004753474,"channel":0,"num_words":21,"start":8.559999,"end":14.085},{"sentences":[{"text":"Yep.","start":14.559999,"end":15.059999,"sentiment":"neutral","sentiment_score":0.11662092059850691}],"sentiment":"neutral","sentiment_score":0.11662092059850691,"channel":1,"num_words":1,"start":14.559999,"end":15.059999},{"sentences":[{"text":"Yep.","start":15.525,"end":16.025,"sentiment":"neutral","sentiment_score":0.1619057059288025},{"text":"Perfect.","start":16.085,"end":16.585,"sentiment":"positive","sentiment_score":0.4012523889541626},{"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":17.045,"end":24.505001,"sentiment":"neutral","sentiment_score":0.07442837195663617}],"sentiment":"neutral","sentiment_score":0.08779293166533593,"channel":0,"num_words":31,"start":15.525,"end":24.505001},{"sentences":[{"text":"Yep.","start":25.125,"end":25.625,"sentiment":"neutral","sentiment_score":0.11953163146972656}],"sentiment":"neutral","sentiment_score":0.11953163146972656,"channel":1,"num_words":1,"start":25.125,"end":25.625},{"sentences":[{"text":"Perfect.","start":26.34,"end":26.84,"sentiment":"neutral","sentiment_score":0.2512897551059723},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":26.9,"end":33.64,"sentiment":"neutral","sentiment_score":0.08387439898573436}],"sentiment":"neutral","sentiment_score":0.09007496773092835,"channel":0,"num_words":27,"start":26.34,"end":33.64},{"sentences":[{"text":"I was to Margaret Pasco.","start":34.35,"end":35.63,"sentiment":"neutral","sentiment_score":0.015283294394612313},{"text":"2444686 Koala Street, Cherry.","start":35.63,"end":39.41,"sentiment":"neutral","sentiment_score":0.04789335420355201}],"sentiment":"neutral","sentiment_score":0.029776654309696622,"channel":1,"num_words":9,"start":34.35,"end":39.41},{"sentences":[{"text":"Perfect.","start":40.275,"end":40.755,"sentiment":"positive","sentiment_score":0.4839416742324829},{"text":"That's exactly what I have here.","start":40.755,"end":42.195,"sentiment":"positive","sentiment_score":0.5181453128655752},{"text":"And how's your morning been so far?","start":42.195,"end":43.875,"sentiment":"neutral","sentiment_score":0.11734504891293389},{"text":"Been busy or kind of just getting started?","start":43.875,"end":46.215,"sentiment":"neutral","sentiment_score":0.010426102438941598}],"sentiment":"neutral","sentiment_score":0.20443807787854562,"channel":0,"num_words":22,"start":40.275,"end":46.215},{"sentences":[{"text":"No.","start":47.114998,"end":47.515,"sentiment":"neutral","sentiment_score":-0.028290702030062675},{"text":"Just set up.","start":47.515,"end":48.575,"sentiment":"neutral","sentiment_score":-0.017409102991223335}],"sentiment":"neutral","sentiment_score":-0.02012950275093317,"channel":1,"num_words":4,"start":47.114998,"end":48.575},{"sentences":[{"text":"Yeah.","start":48.915,"end":49.415,"sentiment":"neutral","sentiment_score":0.032893843948841095},{"text":"Well, I will try not to keep you for too long this morning, Allison.","start":49.635002,"end":52.695,"sentiment":"neutral","sentiment_score":0.027441350743174553},{"text":"But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on?","start":53.390003,"end":64.590004,"sentiment":"neutral","sentiment_score":0.011035472704944286},{"text":"Just the usual.","start":64.590004,"end":65.41,"sentiment":"neutral","sentiment_score":0.02404712699353695}],"sentiment":"neutral","sentiment_score":0.015722176360507167,"channel":0,"num_words":62,"start":48.915,"end":65.41},{"sentences":[{"text":"No.","start":65.880005,"end":66.200005,"sentiment":"neutral","sentiment_score":-0.032582465559244156},{"text":"No.","start":66.200005,"end":66.6,"sentiment":"neutral","sentiment_score":-0.03349228575825691},{"text":"Just you","start":66.6,"end":67.285,"sentiment":"neutral","sentiment_score":-0.02305646426975727}],"sentiment":"neutral","sentiment_score":-0.028046919964253902,"channel":1,"num_words":4,"start":65.880005,"end":67.285},{"sentences":[{"text":"No.","start":67.314995,"end":67.814995,"sentiment":"neutral","sentiment_score":-0.0306893028318882}],"sentiment":"neutral","sentiment_score":-0.0306893028318882,"channel":0,"num_words":1,"start":67.314995,"end":67.814995},{"sentences":[{"text":"I pay you guys to look after me, so I don't need to worry about it.","start":67.445,"end":71.385,"sentiment":"neutral","sentiment_score":-0.0016364721814170471}],"sentiment":"neutral","sentiment_score":-0.0016364721814170471,"channel":1,"num_words":16,"start":67.445,"end":71.385},{"sentences":[{"text":"No.","start":71.715,"end":72.115,"sentiment":"neutral","sentiment_score":0.11286784708499908},{"text":"That sounds 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Allison?","start":747.72,"end":751.89996,"sentiment":"neutral","sentiment_score":0.10152259618043899}],"sentiment":"neutral","sentiment_score":0.18271187819699022,"channel":0,"num_words":47,"start":738.305,"end":751.89996},{"sentences":[{"text":"No.","start":752.615,"end":752.775,"sentiment":"neutral","sentiment_score":0.01139255240559578},{"text":"Thanks.","start":752.775,"end":753.275,"sentiment":"neutral","sentiment_score":0.1972386538982391}],"sentiment":"neutral","sentiment_score":0.10431560315191744,"channel":1,"num_words":2,"start":752.615,"end":753.275},{"sentences":[{"text":"Okay.","start":753.63995,"end":754.04,"sentiment":"neutral","sentiment_score":0.21331192553043363},{"text":"Perfect.","start":754.04,"end":754.44,"sentiment":"positive","sentiment_score":0.4528088569641114},{"text":"I will let you go.","start":754.44,"end":755.24,"sentiment":"neutral","sentiment_score":0.2637398324906826},{"text":"If you have any questions or any issues with those documents later, just give me a callback.","start":755.24,"end":759.16,"sentiment":"neutral","sentiment_score":0.02607644152115373},{"text":"Okay?","start":759.16,"end":759.66,"sentiment":"neutral","sentiment_score":0.06867828220129013}],"sentiment":"neutral","sentiment_score":0.09987190932035446,"channel":0,"num_words":25,"start":753.63995,"end":759.66},{"sentences":[{"text":"Yep.","start":760.295,"end":760.795,"sentiment":"neutral","sentiment_score":0.14295276999473572},{"text":"Okay.","start":760.855,"end":761.255,"sentiment":"neutral","sentiment_score":0.30454277992248535},{"text":"Thank you.","start":761.255,"end":761.65497,"sentiment":"positive","sentiment_score":0.7699697017669678},{"text":"Have a good day.","start":761.65497,"end":762.50696,"sentiment":"positive","sentiment_score":0.7135884910821915}],"sentiment":"positive","sentiment_score":0.6052236147224903,"channel":1,"num_words":8,"start":760.295,"end":762.50696},{"sentences":[{"text":"You too.","start":762.9769,"end":763.3769,"sentiment":"positive","sentiment_score":0.5401200652122498},{"text":"I hope you feel better.","start":763.3769,"end":764.5169,"sentiment":"positive","sentiment_score":0.6016149938106536},{"text":"Bye.","start":765.05695,"end":765.55695,"sentiment":"positive","sentiment_score":0.3335301876068115}],"sentiment":"positive","sentiment_score":0.5527306608855724,"channel":0,"num_words":8,"start":762.9769,"end":765.55695},{"sentences":[{"text":"Yep.","start":765.06696,"end":765.54694,"sentiment":"neutral","sentiment_score":0.20375141501426697},{"text":"See you.","start":765.54694,"end":766.10693,"sentiment":"neutral","sentiment_score":0.3138805776834488},{"text":"Bye.","start":766.10693,"end":766.60693,"sentiment":"neutral","sentiment_score":-0.0953843966126442}],"sentiment":"neutral","sentiment_score":0.1840320434421301,"channel":1,"num_words":4,"start":765.06696,"end":766.60693}]},"summary":{"result":"success","short":"A representative from Xfinity Financial called Allison to review her personal details and assets and liabilities, health and lifestyle, retirement plans, and asset allocation. Allison's health and lifestyle is still the same and she is not planning on retiring until at least six years. The representative discussed various financial and retirement plans and provided information on various plans and sending documents via email. The agent instructed Allison to sign the documents and provided information on fees and ongoing service agreement."},"intents":{"segments":[{"text":"I had you booked in to triple overview on your review. Is now still a good time for you?","start_word":20,"end_word":38,"intents":[{"intent":"Book review","confidence_score":0.008107907}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? I was to Margaret Pasco.","start_word":73,"end_word":103,"intents":[{"intent":"Confirm identity","confidence_score":0.9371086},{"intent":"Discuss personal details","confidence_score":0.0029149693}]},{"text":"much is the camper trailer worth? About 5,000.","start_word":663,"end_word":670,"intents":[{"intent":"Inquire about asset value","confidence_score":0.009628163}]},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker. Is that the case? That is.","start_word":722,"end_word":740,"intents":[{"intent":"Explain health plan","confidence_score":0.00025689014}]},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker. Is that the case? That is. Perfect.","start_word":722,"end_word":741,"intents":[{"intent":"Evaluate health and lifestyle","confidence_score":0.0034489294}]},{"text":"I'm still going to branch dental treatment. Yep.","start_word":756,"end_word":763,"intents":[{"intent":"Explain treatment plan","confidence_score":0.0058588726}]},{"text":"Estate planning wise, I do have here that you have a will in place. Yes.","start_word":835,"end_word":849,"intents":[{"intent":"Mention estate planning","confidence_score":0.00719223},{"intent":"Discuss estate planning","confidence_score":0.0053746724}]},{"text":"Are you still planning on retiring around 65 or so, or do you know roughly what your plans would be?","start_word":913,"end_word":932,"intents":[{"intent":"Discuss age and purpose of retirement","confidence_score":9.2836467e-7}]},{"text":"Now with an asset allocation, it does mean about 80% in your growth investments, 20 in defensive. And when we are looking at a time frame, we wanna allow at least six years until retirement, making sure you have enough time in the market.","start_word":967,"end_word":1010,"intents":[{"intent":"Evaluate asset allocation","confidence_score":0.034736797}]},{"text":"the last thing I do wanna run over, Allison, is that I have to send you an email with some documents.","start_word":1045,"end_word":1065,"intents":[{"intent":"Create documents","confidence_score":0.008085545}]},{"text":"Now the other document later I will get you to look at is just a bit of an update on your portfolio and what's happened in the last twelve months. So you're super sitting at around that 116, and after fees in the last twelve months, even though we've had a, you know, a lot of fluctuations and stuff in the last twelve months, it's delivered a return of about 4.25%.","start_word":1602,"end_word":1672,"intents":[{"intent":"Resolve portfolio issues","confidence_score":0.033589523}]},{"text":"And when we do break that down, your global investments, particularly The US and Japan and Europe, have performed very strong, and that were the kind of the main drivers of the growth.","start_word":1674,"end_word":1706,"intents":[{"intent":"Discuss global investments","confidence_score":0.037488703}]},{"text":"But I'm not sure if you have seen that we sent you an email a little while ago that we've actually already made that change for you. I'm not sure if you did see it or not. You don't need to sign it or anything, but we send you an email about the March 13. Just letting you know because we noticed and did a lot of research on that investment that it was kind of underperforming a little bit.","start_word":1729,"end_word":1808,"intents":[{"intent":"Discuss subperforming investments","confidence_score":0.002715445}]},{"text":"another option that has performed a lot better, which is great. You don't need to worry or change anything, but just so you know. Okay? Does that all make sense? Yeah.","start_word":1820,"end_word":1850,"intents":[{"intent":"Discuss options","confidence_score":0.20844603}]},{"text":"One is an ongoing service agreement, just to say that you are happy to stay on as a client, and we can keep servicing you.","start_word":1923,"end_word":1947,"intents":[{"intent":"Discuss service agreement","confidence_score":0.65010047}]},{"text":"Now there's no changes in regards to the fees or anything like that. It stays at that 1.1% because, obviously, your partner is a client. And then the last one is just a tax out opt in form, just a compliance document. So that is essentially everything that I just needed to run through with you today.","start_word":1948,"end_word":2004,"intents":[{"intent":"Discuss fees and compliance document","confidence_score":0.008146513}]}]},"sentiments":{"segments":[{"text":"Hello. Allison speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03718328475952149},{"text":"Good morning, Allison.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.35763052105903625},{"text":"This is Veronica from Xfinity Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.24920277297496796},{"text":"Yes. Thank you. That's good. I had you booked in to triple overview on your review. Is now still a good time for you?","start_word":15,"end_word":38,"sentiment":"positive","sentiment_score":0.4614203870296478},{"text":"Yep. Yep.","start_word":39,"end_word":40,"sentiment":"neutral","sentiment_score":0.139263316988945},{"text":"Perfect.","start_word":41,"end_word":41,"sentiment":"positive","sentiment_score":0.4012523889541626},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? I was to Margaret Pasco. 2444686 Koala Street, Cherry.","start_word":42,"end_word":107,"sentiment":"neutral","sentiment_score":0.075779028236866},{"text":"Perfect. That's exactly what I have here.","start_word":108,"end_word":114,"sentiment":"positive","sentiment_score":0.508898913860321},{"text":"And how's your morning been so far? Been busy or kind of just getting started? No. Just set up. Yeah. Well, I will try not to keep you for too long this morning, Allison. But before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on? Just the usual. No. No. Just you No. I pay you guys to look after me, so I don't need to worry about it. No. That sounds perfect. Now what I'll run through with you quickly first is just a bit of an updated fact finder to see if there is anything major that has changed in your life, if we need to make any changes to the advice. So just bear with me as I go through these questions here. Now I do have you down here for my personal details as, married with no financial dependent who that's a bit older. Is that the case? That's Perfect. Now next up, can I have John nominated? Is that still the case as well? right. Yes. Yep. Perfect. Now when it comes to occupation wise, now I know that when you did your interview with my colleague, Kyle, last time, I think you were off work, but we're looking at potentially returning to work. How did, all of that go? Yeah. I'm a school bus driver Oh, perfect. now. And when did you start doing that? January. Okay. Perfect. And working full time? Well, no. They have you as a casual Okay. Casual. because it's casual hours. Yep. Okay. And do you know roughly how many hours you would do each week, or does that vary quite a lot? No. I do four hours a day. Four hours a Every day day. and and five days? Yep. Yep. Perfect. And income wise, do you know what your income I get is? $1,394 a fortnight Perfect. after And that is tax. aft after tax.","start_word":115,"end_word":465,"sentiment":"neutral","sentiment_score":0.039033311214881745},{"text":"Great. Perfect. That fortnight.","start_word":466,"end_word":469,"sentiment":"positive","sentiment_score":0.43757349252700806},{"text":"And do you know if they just pay you that standard 12% contribution interest fee for? There's no, like, enterprise bargain agreement or anything like that in place just like the No. standard. It's just the basic. Yep. Perfect. Now when it comes to assets and liabilities, I do have here your property was lost at about 520,000. Is No. that It's still now the seven case? 100 no. It's 725. Oh, beautiful.","start_word":470,"end_word":542,"sentiment":"neutral","sentiment_score":-0.01776726171374321},{"text":"Nice increase.","start_word":543,"end_word":544,"sentiment":"positive","sentiment_score":0.3382183909416199},{"text":"Mortgage, I have about $2.65. No. We we did a refinance. It's now $3.94. Okay. $3.94. I have here as well, otherwise, a huge valued at about 40,000. Perfect. And about 15 owing. Yep. No. No. No. No. Perfect. I'll update that. And do you also have two other motor vehicles combined divided about 13,000? Yes. Perfect. And you didn't have anything owing on them either? That's perfect. Do you have any other assets we haven't kind of gone through today? No. Not really. No. That's perfect. And any other Oh, actually, I don't know. Do you class a camper trailer and another trailer as f six? I don't know. Yes. Yeah. Definitely. Sorry. How how Yeah. much is the camper trailer worth? About 5,000. About 5. And the other trailer? That's $6.06 About thousand 5 six. 100 we paid for that earlier this Okay. year. So probably roughly the same. Yep. Yep.","start_word":545,"end_word":697,"sentiment":"neutral","sentiment_score":0.018196107052704868},{"text":"Perfect.","start_word":698,"end_word":698,"sentiment":"positive","sentiment_score":0.3698047995567322},{"text":"Any other liabilities, like personal loans or credit card or SIP pay or anything else? I've got 6, but that's 3,000. Okay. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that the case? That is. Perfect. And have you had any changes to your health in the last twelve months? I'm still going to branch dental treatment. Yep. And you're So still that's doing for the next three years still. three years? Okay. I know you're still kind of doing, like, the three months catch catch ups Yeah. I with have treatment you? every three months, Okay. which I Perfect. had two days ago. Okay. Are you feeling okay? No. Not really. So we'll just Okay. keep going. Okay. Well, I will I'll be quick for you, Allison. Yep. Estate planning wise, I do have here that you have a will in place. Yes. And drink of attorney and health directive.","start_word":699,"end_word":856,"sentiment":"neutral","sentiment_score":0.06006594747304917},{"text":"That's great. Perfect. You got everything sorted.","start_word":857,"end_word":863,"sentiment":"positive","sentiment_score":0.4819662868976593},{"text":"Now the next thing is typically running through a bit of a risk profile questionnaire, but I can make it a bit quicker and shorter for you. We have gone through this a couple of times with you. Now we do currently have you down as a growth investor. Are you still planning on retiring around 65 or so, or do you know roughly what your plans would be? Yeah. About six to five. About 65. And do you kind of remember what a growth investor quite comfortable with that level of risk the way things are going for you? Yep. Yep. Perfect. Now with an asset allocation, it does mean about 80% in your growth investments, 20 in defensive. And when we are looking at a time frame, we wanna allow at least six years until retirement, making sure you have enough time in the market. So if you are looking about that sixty five, you certainly have that time behind you.","start_word":864,"end_word":1026,"sentiment":"neutral","sentiment_score":0.08633631595804647},{"text":"So if you're happy, we'll just leave everything as is to make it nice and easy.","start_word":1027,"end_word":1042,"sentiment":"positive","sentiment_score":0.649789035320282},{"text":"Now Yes. the last thing I do wanna run over, Allison, is that I have to send you an email with some documents. Now do you have to your email at the moment or not really Yeah. right now? No. Yeah? I do. Okay.","start_word":1043,"end_word":1086,"sentiment":"neutral","sentiment_score":0.025164976716041565},{"text":"Perfect. So if you could go into your email for me, that would be great.","start_word":1087,"end_word":1101,"sentiment":"positive","sentiment_score":0.5383986234664917},{"text":"Now Hold we on. have just yep. Yep. Signature request. Yep. Yeah. Perfect. So now before you click on the link where it says to sign now, at the bottom of the email, you will see a couple of attachments. Can you see a couple of attachments down there? You should say, like, o q servicing Oh, yes. guy. About six of them. Okay. Well, I won't go through all of them with you, so I don't keep on the phone for too long. The bottom two or the first two where it says Oakview services guide and financial services guide, these are just compliance documents. You would have seen this before. It's just a bit of an updated version. Everything that you need to know is in there. You also have the Vanguard index chart. Again, you would have seen this one. Just a bit of an updated one to kind of give you a good visual representation of the market. You also have your, Ascender, which are MLC life insurance certificate of currency. Again, I won't get you to open that because it just shows you that in a little bit more detail. But if you could open for me the one where it says super insurance summary, that would be good. Do you want me to open that now? Yes, please. And it should show your net wealth and insurance Sorry. policy. Which one? The one where it says summary of superannuation and insurances? Okay. Hold on. Sure. So we have to hear you. No. That's okay. I can see if I can turn it up a little bit. Is that better? Oh, yep. I got it. Yep. You can see that okay? It goes into my gov. The the link. Yep. I touched on the link and it went to my gov. It shouldn't do. If Hold you go on. Now it's back downloading. okay. Yep. Went straight back into my go. Okay. Before you if you go back out, but not on the link, can you does it allow you to just open the PDF document at the bottom of No. the email? It wants to download it. And when I push download, it goes to my gov. Okay. That's a bit strange, but what I can do just so I don't keep you for too long, what I I can just kind of quickly run through them, and then I'll I look can get on the honestly honestly, I'll look at them later.","start_word":1102,"end_word":1520,"sentiment":"neutral","sentiment_score":0.025116097838295565},{"text":"I really don't I just can't be bothered today.","start_word":1521,"end_word":1529,"sentiment":"negative","sentiment_score":-0.5627621412277222},{"text":"I'm sorry. no. That's okay. If I can have another two minutes of your time, I'll just go through them Yep. with you, and then you can just access them later. If you then have Yep. any questions, you can always give me a callback. Is that okay? Yep. Yep.","start_word":1530,"end_word":1579,"sentiment":"neutral","sentiment_score":0.09553790092468262},{"text":"Perfect.","start_word":1580,"end_word":1580,"sentiment":"positive","sentiment_score":0.6542903184890747},{"text":"Now you do have your superannuation, obviously, with Netwealth. You have about a 116,681, and you have your MLC life insurance. Now the other document later I will get you to look at is just a bit of an update on your portfolio and what's happened in the last twelve months. So you're super sitting at around that 116, and after fees in the last twelve months, even though we've had a, you know, a lot of fluctuations and stuff in the last twelve months, it's delivered a return of about 4.25%. And when we do break that down, your global investments, particularly The US and Japan and Europe, have performed very strong, and that were the kind of the main drivers of the growth. On the other hand, parts of the Australian market was a little bit softer, and one of the investments, underperformed a little bit. But I'm not sure if you have seen that we sent you an email a little while ago that we've actually already made that change for you. I'm not sure if you did see it or not. You don't need to sign it or anything, but we send you an email about the March 13. Just letting you know because we noticed and did a lot of research on that investment that it was kind of underperforming a little bit. So we've already swapped that one out for you for Yeah.","start_word":1581,"end_word":1819,"sentiment":"neutral","sentiment_score":0.06041124211085113},{"text":"another option that has performed a lot better, which is great.","start_word":1820,"end_word":1830,"sentiment":"positive","sentiment_score":0.511931836605072},{"text":"You don't need to worry or change anything, but just so you know. Okay? Does that all make sense? Yeah. That's fine. Whatever. Yes. Yeah.","start_word":1831,"end_word":1855,"sentiment":"neutral","sentiment_score":0.28404468297958374},{"text":"Perfect.","start_word":1856,"end_word":1856,"sentiment":"positive","sentiment_score":0.5173472166061401},{"text":"Now the last thing is when you do have, you know, time or capacity to look at the documents, it will then get you to click on that link to sign it. If you have any issues and it keeps directing you to myGov, just let us know. But, otherwise, when you have a moment, we'll just need you to sign those documents. There is two. One is an ongoing service agreement, just to say that you are happy to stay on as a client, and we can keep servicing you. Now there's no changes in regards to the fees or anything like that. It stays at that 1.1% because, obviously, your partner is a client. And then the last one is just a tax out opt in form, just a compliance document. So that is essentially everything that I just needed to run through with you today. Do you have any questions or anything for me before I let you go, Allison? No. Thanks. Okay.","start_word":1857,"end_word":2022,"sentiment":"neutral","sentiment_score":0.17302031815052032},{"text":"Perfect. I will let you go.","start_word":2023,"end_word":2028,"sentiment":"positive","sentiment_score":0.36382392048835754},{"text":"If you have any questions or any issues with those documents later, just give me a callback. Okay? Yep. Okay.","start_word":2029,"end_word":2048,"sentiment":"neutral","sentiment_score":0.05969352647662163},{"text":"Thank you. Have a good day. You too. I hope you feel better. Bye.","start_word":2049,"end_word":2062,"sentiment":"positive","sentiment_score":0.6025579571723938},{"text":"Yep. See you. Bye.","start_word":2063,"end_word":2066,"sentiment":"neutral","sentiment_score":0.2256254106760025}],"average":{"sentiment":"neutral","sentiment_score":0.08249074087827754}}}}