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Beautiful. Let me just get all these documents up. Should've kept it up. I normally only keep it up for, like, twenty minutes, and then I'm like, oh, they're not gonna call back. Half an hour later, buddy. But no. All good. I'll I'll get him done. You can and he's at past security, did you say? Yeah. Beautiful. You can send him through when you're ready. Good afternoon, Wayne. This is Ronka speaking. Yeah. Good. Thanks. How are you? That's good. Thanks for calling me back. You still have time to go over your interview now? Yeah. Perfect. And now before I do kind of jump into things, I do usually like to start by asking if there is anything specific that you are wanting to address today or any particular questions or whether it's just a bit of an update and see where everything's at. Yeah. Just just usual. Just a bit of an update. Yeah. Perfect. Now what I will do first is just to run through a bit of an updated fact plan with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just bear with me as I go through this information. Now Wayne, when it comes to your personal information, I have you down here as that you are engaged with no financial dependent. Is that correct? Married? Oh, congratulations. When did you guys get married? Oh, yeah. Nice. And I do also have here next up, Ken, your son, William, I believe, if something would happen to you to give him a call. That's still the case? Yep. Perfect. And his phone number hasn't changed in the last twelve months. It still ends on 633? Yep. Perfect. Now occupation wise, has any of that changed, or are you still all the same, beautiful, still working, self employed, sole trader, all the same? Yeah. What are you working for someone now? No. Yep. Okay. So I just changed from company self employed sorry. Sole trader to company structure? Yeah. And do you have a few people working for you? No. Just you? Yep. Now I have here income at around 50,000 that you pay yourself. Is that still the case? Just leave that at. Yep. And, obviously, with the the company structure as well, are you paid, like, a wage? So do you get super contribution as well, or how is that all structured for you? No. Okay. Is that something you are looking at doing or not really right now? No. That's all good. Assets wise, I have here you your property last was right at about 480,000. Is that still the case, or do you know if that's gone up a little bit or changed? About that? Perfect. And mortgage about $3.60? Yeah. Perfect. I also have here that you have three motor vehicles combined valued at about 60,000. Yep. And you do have about 30 owing in total. Yep. Any other new assets, Wayne, in the last twelve months? Any other motor vehicles or boats or bikes? No. Any other liabilities, like personal loans, credit cards, ZipPay? No. Right. Health and lifestyle wise, still a nonsmoker? Yep. And have you had any changes to your health or injuries or anything in the last twelve months? No. That's great. Estate planning wise, do you have a will or power of attorney in place? No. And for your superannuation, so in the event that something ever were to happen to you, we don't currently have a nomination on file. Do you know who you would like to receive that benefit if something were to happen to you? No. I don't have to. Sorry. Because you will have to make a legal nomination. Oh, beautiful. No. Because it is making a legal nomination, so you have to get it witnessed website and send it back. The re the reason I did ask is because the the superannuation has pretty strict regulation of who you can nominate. So I just wanted to make sure that the person you are thinking is actually a valid nomination. Yeah. No. Which is perfectly fine. That's all a valid nomination, which is great. So when you have a moment, see if you can get those forms completed. Send it back to us, and then I'll get that sorted with Hub twenty four, your super fund for you. Yep. Perfect. Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, I have here that your main focus right now is kind of just to pay down the mortgage as much as possible. Is that still kind of the the plan for you? Yep. And when it comes to superannuation as well, are you still planning on accessing super around 67, or do you think you'd retire a bit earlier? Well, you can retire now, but you can't access your super until you turn 60. So correct. If you stop working at 60, you can get everything completely tax free. If you stop working. Yeah. If you're still working, there is certain agreements under a transition to retirement where you can access up to 10% tax free between 60 and 65. But if you do, you know, want to get some of that before 60, I'll just put a put a change here that, ideally, you wanna retire at 60. I'm trying to get you through your super retirement goals by then. And, yeah, if you decide to work longer, then you'll have more. Yeah. Perfect. Now most people think you're 67 because it's that's when if you're eligible for age pension, that's when that kick in. So the only little thing is, obviously, if you if you, you know, turn 60 and take out your whole super, spend it all, and then age pension won't be till 67. That's the only thing to be mindful of. Yep. Perfect. Now I can also see here that you don't have any insurances at the moment. You're still happy without insurances? Yeah. And do you have access to your emails at the moment, Wayne, or is it kind of a a bit on the go for you right now? Because I've sent you some documents just to kind of quickly go through and get your signature if you're happy with it. If you have a moment to get that up for me. If you can't, you can always do it after the call when you have time. It's up to you. Yes. So part of the document is it shows you your superannuation balance. It shows you your performance. Also shows you, some other documents as well that I do quickly wanna run through if you have, access to it. It could also end up in spam because we have just changed your new software. Oh, beautiful. Now the first document there, does it say super summary for you? Does it show Yes. Correct. Correct. Yep. So your super balance? 140. Yep. 140,467. I can get it up for you. Yeah. Just bear with me, and let me get that for you. Sorry. It's just loading. Yep. So when we did your last annual review, it was at a 111,416. So, yeah, it's it's gone up quite decent, which is actually really good given what's happened in the market. So you probably have you probably have seen, obviously, in the market or heard on the news that are fluctuations and everything the last twelve months or the last correct. Yes. I do. Yes. Yes. If you're happy to just go through a couple of questions just to determine how you feel and if it's still appropriate for you. Yep. Now have you ever more have you ever bought direct shares yourself on the stock market, Wayne? No. Perfect. And when it actually comes through a level of risk that you are comfortable with for your superannuation, would you say that you are willing to take very high risk, high risk moderate, or a small amount of risk in order to try and make sure your superannuation continues to grow as well. Yes. You put high, not super high, but a little bit more than moderate. We can have a look. So these all these questions here give me a bit of an indication of how you feel. So we'll go through all of these questions and see where you come out because the one thing to also be mindful of is capital gains tax and stuff with making changes. So and also time frame. So let me have a look here for you. So let's do high not super, super high, but more than moderate. And when it comes to fluctuations in the market, now if you were to place an investment, and let's say after six months, you found out that your portfolio has decreased in value by 20% due to what is happening in the market, so not like one particular investment, just the market as a whole, Would you, if you had the option to do so, put a little bit more money in while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to sell and buy something a little bit more secure, but that means you are then selling when the prices have dropped? Hold. Yep. Perfect. Next one is in regards to fluctuations again. So if you saw your superannuation, like, in the last twelve months or during COVID, saw a bit of fluctuation, flux so drop, would you say that you would feel optimistic about potential opportunities, Kind of a bit neutral, like, wouldn't bother you too much, not invest more, but you understand that's part of the market, or would it make you feel very concerned or anxious? Part of the process? Yep. Perfect. And last one here is in regards to borrowing money. So would you ever consider taking out a loan to buy stocks on the stock market? No. Would you consider taking out a loan to buy an investment property? Or just just for your own house like you have? Yeah. Perfect. As long as you got your house, then, yeah, you're good. Yeah. Now, Wayne, that tells me here that you have come out as a growth investor, and that does align with your current portfolio. So just so that you know on the scale of things as well, it is still a portfolio where you are focusing on getting as much growth as you possibly can out of your super. So it's not like you're defensive. It's not like your balance growth. It's still very much a portfolio where you are focusing on growing it. There will be some fluctuations in the short term, though. And when we are talking about how the money is invested, you still had about 80% invested in what we call your growth assets. Now if you could go back to the email for me and have a look. So the next one you will see is your performance with IRR. Can you see that one? Should be the second one. If you press next or scroll down. Yes. But you should be able to see the other doc certificate. What can you see at the moment? Does it say that you yes. So which attachments are you looking at? No. If you could look at the one that's red, there should be one that has, like, a it's called a Vanguard index chart. It should be like a graph. If not, it's okay. No. That's it's okay. Oh, you got it? Beautiful. So that one here, it is it is good because it gives us a visual representation of the market. Now Vanguard does publish this every single year at the end of the financial year, so the next one's due to come out soon. But it shows us kind of long term with the market. So you can actually see here the different asset classes to the right, how they fluctuate. Now when it comes to the growth portfolio, which you are currently invested in, we have about 80%. So still a pretty decent amount invested in your growth investment. Now what they are are the top four. So you can see your US shares, which is, like, the light green line, Australian shares, which is, like, the the dark green, international shares with yellow, and then Prosperity, which is, like, your maroon color. Now you can see here that these are the ones that grow the most, so they will do that for your super, but they also fluctuate as well. And then you have about 20 in, like, the bottom three. So they're a little bit more defensive. Limit fluctuation and little bit, but the main focus is to grow your superannuation. So from a, yeah, so from a time frame and where things are at, I think the growth one that you are in is still quite good given, you know, with the market and everything, it's doing well for you, and it has gone up in the last twelve months despite all fluctuations and everything like that. So it's doing good, which is good. Now there is one investment that I would like to look at changing for you, and that is your Benelung Australian Equities. Now all of your other investments by quite a bit this last twelve months, but the Bennelong was underperforming a little bit. And if there is an investment that is underperforming and we don't foresee it come back around, we also want to be proactive with your investments and swapping it out for something that book more suitable for you moving forward. So what the investment committee because we research the investments all the time is we have found another option suitable for swapping your Ben along. So you're swapping one Australian investment to another Australian investment. But the one we're looking at swapping through, it's called your beta shares a 200. Basically, what it is, it invests in the 200 largest companies listed in Australia. So you have all your big banks. You will have your Woolworths, mining. You'll have all the big companies, so it gives you a broad range of diversification. It is a little bit cheaper than the Bennelong investment you currently have, and it has performed a little bit better. So are you are you happy for us? Yeah. Perfect. So what I what I will do, you don't have to sign this document, is that probably sometime early next week, I will send you an email with it's just called a record of advice. All that is is referring back to this investment change to say that we have made one change to your investment, which has been along for the a 200 just for your reference so that you have the document, but you don't need to sign it or anything like that. Yep. Perfect. Now the other documents there for you is and you don't have to look at them now because they're quite long. It is another services guide. So another financial services guide. It's the same kind of you would have seen every year. Just a bit of an updated version. But it gives you all the important information regarding us here at OQ. If you do go back and have a bit of a read over it, you'll also see myself there on page 10. If you ever wanna put a face to the voice, all the directors and all advisers is in there for you. And then the documents that it did ask you to sign, there was two documents. One was an ongoing service agreement, which was just to say that you were happy to stay on as a client. Now when there is no changes to the fee structure, that stays exactly the same at 1.65 from super. No changes, and it's never a lock in contract. But this just lets us manage your account and your investments and everything for you in the meantime. And the last document was just a compliance form just to say we are keeping your tax phone number secure and safe on file. So pretty straightforward, and I have seen that that signature has come back to me, so thank you so much for that. It's all saved for you as well. So if you ever wanna go back when you have a bit more time to have a bit of a read over it, it's all there for you. If for some reason you can't access it, just let me know, and I can always email them through you as well. Yep. Perfect. Now, Wayne, do you have any questions for me before I let you go and enjoy the rest of your afternoon otherwise? No. Beautiful. Well, thank you so much for your time today. I'll keep a lookout for your email for that investment switch, and then let me know how you go with those beneficiary forms for your super as well if something would happen. Okay. Beautiful. Thank you so much, Wayne. Anything you need, just give me a call. Thanks. Bye. 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No. Thank you very much. Oh, good. Busy.\n\nBusy. But good. You? Fun. No.\n\nI can I can do it just so we can get him out? Just let me get everything up for you. Let's see. Okay. Okay.\n\nBeautiful. Let me just get all these documents up. Should've kept it up. I normally only keep it up for, like, twenty minutes, and then I'm like, oh, they're not gonna call back. Half an hour later, buddy.\n\nBut no. All good. I'll I'll get him done. You can and he's at past security, did you say? Yeah.\n\nBeautiful. You can send him through when you're ready. Good afternoon, Wayne. This is Ronka speaking. Yeah.\n\nGood. Thanks. How are you? That's good. Thanks for calling me back.\n\nYou still have time to go over your interview now? Yeah. Perfect. And now before I do kind of jump into things, I do usually like to start by asking if there is anything specific that you are wanting to address today or any particular questions or whether it's just a bit of an update and see where everything's at. Yeah.\n\nJust just usual. Just a bit of an update. Yeah. Perfect. Now what I will do first is just to run through a bit of an updated fact plan with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice.\n\nSo just bear with me as I go through this information. Now Wayne, when it comes to your personal information, I have you down here as that you are engaged with no financial dependent. Is that correct? Married? Oh, congratulations.\n\nWhen did you guys get married? Oh, yeah. Nice. And I do also have here next up, Ken, your son, William, I believe, if something would happen to you to give him a call. That's still the case?\n\nYep. Perfect. And his phone number hasn't changed in the last twelve months. It still ends on 633? Yep.\n\nPerfect. Now occupation wise, has any of that changed, or are you still all the same, beautiful, still working, self employed, sole trader, all the same? Yeah. What are you working for someone now? No.\n\nYep. Okay. So I just changed from company self employed sorry. Sole trader to company structure? Yeah.\n\nAnd do you have a few people working for you? No. Just you? Yep. Now I have here income at around 50,000 that you pay yourself.\n\nIs that still the case? Just leave that at. Yep. And, obviously, with the the company structure as well, are you paid, like, a wage? So do you get super contribution as well, or how is that all structured for you?\n\nNo. Okay. Is that something you are looking at doing or not really right now? No. That's all good.\n\nAssets wise, I have here you your property last was right at about 480,000. Is that still the case, or do you know if that's gone up a little bit or changed? About that? Perfect. And mortgage about $3.60?\n\nYeah. Perfect. I also have here that you have three motor vehicles combined valued at about 60,000. Yep. And you do have about 30 owing in total.\n\nYep. Any other new assets, Wayne, in the last twelve months? Any other motor vehicles or boats or bikes? No. Any other liabilities, like personal loans, credit cards, ZipPay?\n\nNo. Right. Health and lifestyle wise, still a nonsmoker? Yep. And have you had any changes to your health or injuries or anything in the last twelve months?\n\nNo. That's great. Estate planning wise, do you have a will or power of attorney in place? No. And for your superannuation, so in the event that something ever were to happen to you, we don't currently have a nomination on file.\n\nDo you know who you would like to receive that benefit if something were to happen to you? No. I don't have to. Sorry. Because you will have to make a legal nomination.\n\nOh, beautiful. No. Because it is making a legal nomination, so you have to get it witnessed website and send it back. The re the reason I did ask is because the the superannuation has pretty strict regulation of who you can nominate. So I just wanted to make sure that the person you are thinking is actually a valid nomination.\n\nYeah. No. Which is perfectly fine. That's all a valid nomination, which is great. So when you have a moment, see if you can get those forms completed.\n\nSend it back to us, and then I'll get that sorted with Hub twenty four, your super fund for you. Yep. Perfect. Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, I have here that your main focus right now is kind of just to pay down the mortgage as much as possible. Is that still kind of the the plan for you?\n\nYep. And when it comes to superannuation as well, are you still planning on accessing super around 67, or do you think you'd retire a bit earlier? Well, you can retire now, but you can't access your super until you turn 60. So correct. If you stop working at 60, you can get everything completely tax free.\n\nIf you stop working. Yeah. If you're still working, there is certain agreements under a transition to retirement where you can access up to 10% tax free between 60 and 65. But if you do, you know, want to get some of that before 60, I'll just put a put a change here that, ideally, you wanna retire at 60. I'm trying to get you through your super retirement goals by then.\n\nAnd, yeah, if you decide to work longer, then you'll have more. Yeah. Perfect. Now most people think you're 67 because it's that's when if you're eligible for age pension, that's when that kick in. So the only little thing is, obviously, if you if you, you know, turn 60 and take out your whole super, spend it all, and then age pension won't be till 67.\n\nThat's the only thing to be mindful of. Yep. Perfect. Now I can also see here that you don't have any insurances at the moment. You're still happy without insurances?\n\nYeah. And do you have access to your emails at the moment, Wayne, or is it kind of a a bit on the go for you right now? Because I've sent you some documents just to kind of quickly go through and get your signature if you're happy with it. If you have a moment to get that up for me. If you can't, you can always do it after the call when you have time.\n\nIt's up to you. Yes. So part of the document is it shows you your superannuation balance. It shows you your performance. Also shows you, some other documents as well that I do quickly wanna run through if you have, access to it.\n\nIt could also end up in spam because we have just changed your new software. Oh, beautiful. Now the first document there, does it say super summary for you? Does it show Yes. Correct.\n\nCorrect. Yep. So your super balance? 140. Yep.\n\n140,467. I can get it up for you. Yeah. Just bear with me, and let me get that for you. Sorry.\n\nIt's just loading. Yep. So when we did your last annual review, it was at a 111,416. So, yeah, it's it's gone up quite decent, which is actually really good given what's happened in the market. So you probably have you probably have seen, obviously, in the market or heard on the news that are fluctuations and everything the last twelve months or the last correct.\n\nYes. I do. Yes. Yes. If you're happy to just go through a couple of questions just to determine how you feel and if it's still appropriate for you.\n\nYep. Now have you ever more have you ever bought direct shares yourself on the stock market, Wayne? No. Perfect. And when it actually comes through a level of risk that you are comfortable with for your superannuation, would you say that you are willing to take very high risk, high risk moderate, or a small amount of risk in order to try and make sure your superannuation continues to grow as well.\n\nYes. You put high, not super high, but a little bit more than moderate. We can have a look. So these all these questions here give me a bit of an indication of how you feel. So we'll go through all of these questions and see where you come out because the one thing to also be mindful of is capital gains tax and stuff with making changes.\n\nSo and also time frame. So let me have a look here for you. So let's do high not super, super high, but more than moderate. And when it comes to fluctuations in the market, now if you were to place an investment, and let's say after six months, you found out that your portfolio has decreased in value by 20% due to what is happening in the market, so not like one particular investment, just the market as a whole, Would you, if you had the option to do so, put a little bit more money in while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to sell and buy something a little bit more secure, but that means you are then selling when the prices have dropped? Hold.\n\nYep. Perfect. Next one is in regards to fluctuations again. So if you saw your superannuation, like, in the last twelve months or during COVID, saw a bit of fluctuation, flux so drop, would you say that you would feel optimistic about potential opportunities, Kind of a bit neutral, like, wouldn't bother you too much, not invest more, but you understand that's part of the market, or would it make you feel very concerned or anxious? Part of the process?\n\nYep. Perfect. And last one here is in regards to borrowing money. So would you ever consider taking out a loan to buy stocks on the stock market? No.\n\nWould you consider taking out a loan to buy an investment property? Or just just for your own house like you have? Yeah. Perfect. As long as you got your house, then, yeah, you're good.\n\nYeah. Now, Wayne, that tells me here that you have come out as a growth investor, and that does align with your current portfolio. So just so that you know on the scale of things as well, it is still a portfolio where you are focusing on getting as much growth as you possibly can out of your super. So it's not like you're defensive. It's not like your balance growth.\n\nIt's still very much a portfolio where you are focusing on growing it. There will be some fluctuations in the short term, though. And when we are talking about how the money is invested, you still had about 80% invested in what we call your growth assets. Now if you could go back to the email for me and have a look. So the next one you will see is your performance with IRR.\n\nCan you see that one? Should be the second one. If you press next or scroll down. Yes. But you should be able to see the other doc certificate.\n\nWhat can you see at the moment? Does it say that you yes. So which attachments are you looking at? No. If you could look at the one that's red, there should be one that has, like, a it's called a Vanguard index chart.\n\nIt should be like a graph. If not, it's okay. No. That's it's okay. Oh, you got it?\n\nBeautiful. So that one here, it is it is good because it gives us a visual representation of the market. Now Vanguard does publish this every single year at the end of the financial year, so the next one's due to come out soon. But it shows us kind of long term with the market. So you can actually see here the different asset classes to the right, how they fluctuate.\n\nNow when it comes to the growth portfolio, which you are currently invested in, we have about 80%. So still a pretty decent amount invested in your growth investment. Now what they are are the top four. So you can see your US shares, which is, like, the light green line, Australian shares, which is, like, the the dark green, international shares with yellow, and then Prosperity, which is, like, your maroon color. Now you can see here that these are the ones that grow the most, so they will do that for your super, but they also fluctuate as well.\n\nAnd then you have about 20 in, like, the bottom three. So they're a little bit more defensive. Limit fluctuation and little bit, but the main focus is to grow your superannuation. So from a, yeah, so from a time frame and where things are at, I think the growth one that you are in is still quite good given, you know, with the market and everything, it's doing well for you, and it has gone up in the last twelve months despite all fluctuations and everything like that. So it's doing good, which is good.\n\nNow there is one investment that I would like to look at changing for you, and that is your Benelung Australian Equities. Now all of your other investments by quite a bit this last twelve months, but the Bennelong was underperforming a little bit. And if there is an investment that is underperforming and we don't foresee it come back around, we also want to be proactive with your investments and swapping it out for something that book more suitable for you moving forward. So what the investment committee because we research the investments all the time is we have found another option suitable for swapping your Ben along. So you're swapping one Australian investment to another Australian investment.\n\nBut the one we're looking at swapping through, it's called your beta shares a 200. Basically, what it is, it invests in the 200 largest companies listed in Australia. So you have all your big banks. You will have your Woolworths, mining. You'll have all the big companies, so it gives you a broad range of diversification.\n\nIt is a little bit cheaper than the Bennelong investment you currently have, and it has performed a little bit better. So are you are you happy for us? Yeah. Perfect. So what I what I will do, you don't have to sign this document, is that probably sometime early next week, I will send you an email with it's just called a record of advice.\n\nAll that is is referring back to this investment change to say that we have made one change to your investment, which has been along for the a 200 just for your reference so that you have the document, but you don't need to sign it or anything like that. Yep. Perfect. Now the other documents there for you is and you don't have to look at them now because they're quite long. It is another services guide.\n\nSo another financial services guide. It's the same kind of you would have seen every year. Just a bit of an updated version. But it gives you all the important information regarding us here at OQ. If you do go back and have a bit of a read over it, you'll also see myself there on page 10.\n\nIf you ever wanna put a face to the voice, all the directors and all advisers is in there for you. And then the documents that it did ask you to sign, there was two documents. One was an ongoing service agreement, which was just to say that you were happy to stay on as a client. Now when there is no changes to the fee structure, that stays exactly the same at 1.65 from super. No changes, and it's never a lock in contract.\n\nBut this just lets us manage your account and your investments and everything for you in the meantime. And the last document was just a compliance form just to say we are keeping your tax phone number secure and safe on file. So pretty straightforward, and I have seen that that signature has come back to me, so thank you so much for that. It's all saved for you as well. So if you ever wanna go back when you have a bit more time to have a bit of a read over it, it's all there for you.\n\nIf for some reason you can't access it, just let me know, and I can always email them through you as well. Yep. Perfect. Now, Wayne, do you have any questions for me before I let you go and enjoy the rest of your afternoon otherwise? No.\n\nBeautiful. Well, thank you so much for your time today. I'll keep a lookout for your email for that investment switch, and then let me know how you go with those beneficiary forms for your super as well if something would happen. Okay. Beautiful.\n\nThank you so much, Wayne. Anything you need, just give me a call. Thanks. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.05510778725147247},{"text":"No.","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":0.31337690353393555},{"text":"Thank you very much.","start":5.04,"end":6.18,"sentiment":"positive","sentiment_score":0.4949314519762993},{"text":"Oh, good.","start":8.32,"end":9.12,"sentiment":"positive","sentiment_score":0.48709093034267426},{"text":"Busy.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.42764410376548767}],"sentiment":"positive","sentiment_score":0.4166707181268268,"num_words":9,"start":0.56,"end":9.62},{"sentences":[{"text":"Busy.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.3926264643669128},{"text":"But good.","start":10.24,"end":10.98,"sentiment":"positive","sentiment_score":0.4553164690732956},{"text":"You?","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":0.27141496539115906},{"text":"Fun.","start":22.435001,"end":22.935001,"sentiment":"neutral","sentiment_score":-0.0680103451013565},{"text":"No.","start":32.61,"end":32.93,"sentiment":"neutral","sentiment_score":-0.21252742409706116}],"sentiment":"neutral","sentiment_score":0.21568943311770758,"num_words":6,"start":9.679999,"end":32.93},{"sentences":[{"text":"I can I can do it just so we can get him out?","start":32.93,"end":36.31,"sentiment":"neutral","sentiment_score":-0.12616785185841414},{"text":"Just let me get everything up for you.","start":36.45,"end":40.505,"sentiment":"neutral","sentiment_score":0.10364200128242373},{"text":"Let's see.","start":42.485,"end":43.305,"sentiment":"neutral","sentiment_score":0.11537835747003555},{"text":"Okay.","start":49.205,"end":49.705,"sentiment":"neutral","sentiment_score":0.14401717483997345},{"text":"Okay.","start":53.3,"end":53.780003,"sentiment":"neutral","sentiment_score":0.22613748908042908}],"sentiment":"neutral","sentiment_score":-0.00840538740158081,"num_words":25,"start":32.93,"end":53.780003},{"sentences":[{"text":"Beautiful.","start":53.780003,"end":54.280003,"sentiment":"positive","sentiment_score":0.3996908962726593},{"text":"Let me just get all these documents up.","start":54.5,"end":56.68,"sentiment":"neutral","sentiment_score":0.18202700838446617},{"text":"Should've kept it up.","start":57.22,"end":57.86,"sentiment":"neutral","sentiment_score":0.1494836062192917},{"text":"I normally only keep it up for, like, twenty minutes, and then I'm like, oh, they're not gonna call back.","start":57.86,"end":62.120003,"sentiment":"neutral","sentiment_score":0.0023137534037232397},{"text":"Half an hour later, buddy.","start":71.455,"end":72.835,"sentiment":"neutral","sentiment_score":-0.061776316910982135}],"sentiment":"neutral","sentiment_score":0.05766407557223972,"num_words":38,"start":53.780003,"end":72.835},{"sentences":[{"text":"But no.","start":72.975,"end":73.775,"sentiment":"neutral","sentiment_score":-0.07796898856759071},{"text":"All good.","start":73.775,"end":74.335,"sentiment":"neutral","sentiment_score":0.0230123158544302},{"text":"I'll I'll get him done.","start":74.335,"end":76.195,"sentiment":"neutral","sentiment_score":0.01493454003939405},{"text":"You can and he's at past security, did you say?","start":76.735,"end":79.475,"sentiment":"neutral","sentiment_score":-0.005109025537967682},{"text":"Yeah.","start":80.5,"end":81.0,"sentiment":"neutral","sentiment_score":0.09097866714000702}],"sentiment":"neutral","sentiment_score":0.00023238832654897122,"num_words":20,"start":72.975,"end":81.0},{"sentences":[{"text":"Beautiful.","start":81.54,"end":82.04,"sentiment":"positive","sentiment_score":0.34720978140830994},{"text":"You can send him through when you're ready.","start":82.100006,"end":83.72,"sentiment":"neutral","sentiment_score":0.16528872586786747},{"text":"Good afternoon, Wayne.","start":91.380005,"end":92.42,"sentiment":"neutral","sentiment_score":0.19172722101211548},{"text":"This is Ronka speaking.","start":92.42,"end":93.8,"sentiment":"neutral","sentiment_score":0.1401101965457201},{"text":"Yeah.","start":96.295,"end":96.615,"sentiment":"neutral","sentiment_score":0.16548797488212583}],"sentiment":"neutral","sentiment_score":0.1747429419089766,"num_words":17,"start":81.54,"end":96.615},{"sentences":[{"text":"Good.","start":96.615,"end":96.854996,"sentiment":"neutral","sentiment_score":0.3220977783203125},{"text":"Thanks.","start":96.854996,"end":97.174995,"sentiment":"positive","sentiment_score":0.39968281984329224},{"text":"How are you?","start":97.174995,"end":97.994995,"sentiment":"neutral","sentiment_score":0.2576034863789876},{"text":"That's good.","start":100.295,"end":100.854996,"sentiment":"positive","sentiment_score":0.4729522615671158},{"text":"Thanks for calling me back.","start":100.854996,"end":102.314995,"sentiment":"positive","sentiment_score":0.56268230676651}],"sentiment":"positive","sentiment_score":0.43782559285561246,"num_words":12,"start":96.615,"end":102.314995},{"sentences":[{"text":"You still have time to go over your interview now?","start":105.335,"end":107.82,"sentiment":"neutral","sentiment_score":0.12261880338191986},{"text":"Yeah.","start":109.26,"end":109.74,"sentiment":"neutral","sentiment_score":0.1684938818216324},{"text":"Perfect.","start":109.74,"end":110.24,"sentiment":"neutral","sentiment_score":0.0019691395573318005},{"text":"And now before I do kind of jump into things, I do usually like to start by asking if there is anything specific that you are wanting to address today or any particular questions or whether it's just a bit of an update and see where everything's at.","start":111.58,"end":124.895,"sentiment":"neutral","sentiment_score":0.05957754491828382},{"text":"Yeah.","start":128.155,"end":128.555,"sentiment":"neutral","sentiment_score":0.034762702882289886}],"sentiment":"neutral","sentiment_score":0.07034649039603404,"num_words":61,"start":105.335,"end":128.555},{"sentences":[{"text":"Just just usual.","start":128.555,"end":129.595,"sentiment":"neutral","sentiment_score":0.05612135926882426},{"text":"Just a bit of an update.","start":129.595,"end":130.655,"sentiment":"neutral","sentiment_score":0.07860988254348437},{"text":"Yeah.","start":132.33,"end":132.81001,"sentiment":"neutral","sentiment_score":0.28717201948165894},{"text":"Perfect.","start":132.81001,"end":133.31001,"sentiment":"positive","sentiment_score":0.5899940729141235},{"text":"Now what I will do first is just to run through a bit of an updated fact plan with you just to see if there is anything major that has changed in your life, if we need to make any changes to your 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congratulations.","start":164.18,"end":164.92,"sentiment":"positive","sentiment_score":0.3656216114759445}],"sentiment":"neutral","sentiment_score":0.08357717122416944,"num_words":40,"start":145.565,"end":164.92},{"sentences":[{"text":"When did you guys get married?","start":165.29999,"end":166.76,"sentiment":"neutral","sentiment_score":0.14759461581707},{"text":"Oh, yeah.","start":170.09999,"end":170.65999,"sentiment":"neutral","sentiment_score":0.22044700384140015},{"text":"Nice.","start":170.65999,"end":171.15999,"sentiment":"positive","sentiment_score":0.4463474154472351},{"text":"And I do also have here next up, Ken, your son, William, I believe, if something would happen to you to give him a call.","start":172.42,"end":180.795,"sentiment":"neutral","sentiment_score":0.17752225011587142},{"text":"That's still the case?","start":184.135,"end":185.355,"sentiment":"neutral","sentiment_score":0.022308295592665672}],"sentiment":"neutral","sentiment_score":0.16579206719210274,"num_words":38,"start":165.29999,"end":185.355},{"sentences":[{"text":"Yep.","start":186.62999,"end":187.10999,"sentiment":"neutral","sentiment_score":0.1075632870197296},{"text":"Perfect.","start":187.10999,"end":187.60999,"sentiment":"neutral","sentiment_score":0.22687463462352753},{"text":"And his phone number hasn't changed in the last twelve months.","start":187.82999,"end":190.54999,"sentiment":"neutral","sentiment_score":0.021968837912109764},{"text":"It still ends on 633?","start":190.54999,"end":192.54999,"sentiment":"neutral","sentiment_score":0.008491997234523296},{"text":"Yep.","start":192.54999,"end":192.87,"sentiment":"neutral","sentiment_score":0.037049081176519394}],"sentiment":"neutral","sentiment_score":0.03450548452766318,"num_words":19,"start":186.62999,"end":192.87},{"sentences":[{"text":"Perfect.","start":192.87,"end":193.37,"sentiment":"neutral","sentiment_score":0.10454757511615752},{"text":"Now occupation wise, has any of that changed, or are you still all the same, beautiful, still working, self employed, sole trader, all the same?","start":194.95,"end":206.30501,"sentiment":"neutral","sentiment_score":0.04933301065117121},{"text":"Yeah.","start":209.245,"end":209.745,"sentiment":"neutral","sentiment_score":-0.00861438363790512},{"text":"What are you working for someone 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structure?","start":222.56999,"end":224.19,"sentiment":"neutral","sentiment_score":-0.025466440618038176},{"text":"Yeah.","start":226.17,"end":226.665,"sentiment":"neutral","sentiment_score":0.0012808386236429214}],"sentiment":"neutral","sentiment_score":-0.03230606950819492,"num_words":17,"start":217.61,"end":226.665},{"sentences":[{"text":"And do you have a few people working for you?","start":227.385,"end":230.125,"sentiment":"neutral","sentiment_score":-0.01394669497385621},{"text":"No.","start":231.78499,"end":232.025,"sentiment":"neutral","sentiment_score":-0.06330030411481857},{"text":"Just you?","start":232.025,"end":232.84499,"sentiment":"neutral","sentiment_score":-0.03775370866060257},{"text":"Yep.","start":234.105,"end":234.605,"sentiment":"neutral","sentiment_score":0.0006380590493790805},{"text":"Now I have here income at around 50,000 that you pay yourself.","start":235.06499,"end":240.36499,"sentiment":"neutral","sentiment_score":-0.015543453861027956}],"sentiment":"neutral","sentiment_score":-0.017852233017597776,"num_words":26,"start":227.385,"end":240.36499},{"sentences":[{"text":"Is that still the case?","start":240.42499,"end":241.885,"sentiment":"neutral","sentiment_score":-0.010323416814208031},{"text":"Just leave that at.","start":244.94,"end":245.74,"sentiment":"neutral","sentiment_score":0.017774626147001982},{"text":"Yep.","start":245.74,"end":246.24,"sentiment":"neutral","sentiment_score":0.03877895325422287},{"text":"And, obviously, with the the company structure as well, are you paid, like, a wage?","start":246.7,"end":253.26,"sentiment":"neutral","sentiment_score":0.0020959635575612387},{"text":"So do you get super contribution as well, or how is that all structured for you?","start":253.26,"end":258.16,"sentiment":"neutral","sentiment_score":-0.03322995034977794}],"sentiment":"neutral","sentiment_score":-0.010779984840532629,"num_words":41,"start":240.42499,"end":258.16},{"sentences":[{"text":"No.","start":258.515,"end":259.015,"sentiment":"neutral","sentiment_score":-0.17231595516204834},{"text":"Okay.","start":259.075,"end":259.575,"sentiment":"neutral","sentiment_score":-0.03821622580289841},{"text":"Is that something you are looking at doing or not really right now?","start":261.075,"end":264.295,"sentiment":"neutral","sentiment_score":-0.06446442667108315},{"text":"No.","start":265.715,"end":266.035,"sentiment":"neutral","sentiment_score":-0.30572977662086487},{"text":"That's all good.","start":266.035,"end":267.17502,"sentiment":"neutral","sentiment_score":0.03141702773670355}],"sentiment":"neutral","sentiment_score":-0.0663183379526201,"num_words":19,"start":258.515,"end":267.17502},{"sentences":[{"text":"Assets wise, I have here you your property last was right at about 480,000.","start":267.795,"end":274.56,"sentiment":"neutral","sentiment_score":0.00996422634593078},{"text":"Is that still the case, or do you know if that's gone up a little bit or changed?","start":274.94,"end":278.72,"sentiment":"neutral","sentiment_score":-0.06610401574936178},{"text":"About that?","start":283.9,"end":284.62,"sentiment":"neutral","sentiment_score":0.028272448107600212},{"text":"Perfect.","start":284.62,"end":285.12,"sentiment":"positive","sentiment_score":0.3387448787689209},{"text":"And mortgage about $3.60?","start":285.18,"end":288.235,"sentiment":"neutral","sentiment_score":0.12405514717102051}],"sentiment":"neutral","sentiment_score":-0.0040734038712122505,"num_words":39,"start":267.795,"end":288.235},{"sentences":[{"text":"Yeah.","start":292.535,"end":293.035,"sentiment":"neutral","sentiment_score":0.17295050621032715},{"text":"Perfect.","start":293.175,"end":293.675,"sentiment":"positive","sentiment_score":0.4018282294273377},{"text":"I also have here that you have three motor vehicles combined valued at about 60,000.","start":293.895,"end":299.035,"sentiment":"neutral","sentiment_score":0.15631133665641148},{"text":"Yep.","start":300.72,"end":301.12,"sentiment":"neutral","sentiment_score":0.09437625110149384},{"text":"And you do have about 30 owing in total.","start":301.12,"end":304.5,"sentiment":"neutral","sentiment_score":0.06859825468725628}],"sentiment":"neutral","sentiment_score":0.1344892343989125,"num_words":27,"start":292.535,"end":304.5},{"sentences":[{"text":"Yep.","start":307.52,"end":308.02,"sentiment":"neutral","sentiment_score":0.05595596879720688},{"text":"Any other new assets, Wayne, in the last twelve months?","start":308.4,"end":311.36,"sentiment":"neutral","sentiment_score":0.03859980851411819},{"text":"Any other motor vehicles or boats or bikes?","start":311.36,"end":314.41998,"sentiment":"neutral","sentiment_score":-0.0001963463146239517},{"text":"No.","start":314.48,"end":314.98,"sentiment":"neutral","sentiment_score":-0.015666062012314796},{"text":"Any other liabilities, like personal loans, credit cards, ZipPay?","start":316.45502,"end":319.835,"sentiment":"neutral","sentiment_score":-0.015297190596659979}],"sentiment":"neutral","sentiment_score":0.009898017449625608,"num_words":29,"start":307.52,"end":319.835},{"sentences":[{"text":"No.","start":321.575,"end":322.075,"sentiment":"neutral","sentiment_score":-0.04960870742797851},{"text":"Right.","start":322.775,"end":323.255,"sentiment":"neutral","sentiment_score":-0.01928388699889183},{"text":"Health and lifestyle wise, still a nonsmoker?","start":323.255,"end":327.435,"sentiment":"neutral","sentiment_score":-0.028021531445639476},{"text":"Yep.","start":329.74002,"end":330.24002,"sentiment":"neutral","sentiment_score":0.020211417227983475},{"text":"And have you had any changes to your health or injuries or anything in the last twelve months?","start":330.30002,"end":335.6,"sentiment":"neutral","sentiment_score":-0.013151944459726414}],"sentiment":"neutral","sentiment_score":-0.017198817771194235,"num_words":28,"start":321.575,"end":335.6},{"sentences":[{"text":"No.","start":337.26,"end":337.66,"sentiment":"neutral","sentiment_score":-0.025619056075811383},{"text":"That's great.","start":337.66,"end":338.56003,"sentiment":"neutral","sentiment_score":0.18947605043649673},{"text":"Estate planning wise, do you have a will or power of attorney in place?","start":339.90002,"end":343.84003,"sentiment":"neutral","sentiment_score":0.0231543221910085},{"text":"No.","start":345.905,"end":346.305,"sentiment":"neutral","sentiment_score":-0.10983647406101228},{"text":"And for your superannuation, so in the event that something ever were to happen to you, we don't currently have a nomination on file.","start":346.305,"end":355.76498,"sentiment":"neutral","sentiment_score":-0.12033597628275554}],"sentiment":"neutral","sentiment_score":-0.055247770223234384,"num_words":42,"start":337.26,"end":355.76498},{"sentences":[{"text":"Do you know who you would like to receive that benefit if something were to happen to you?","start":356.40002,"end":361.94,"sentiment":"neutral","sentiment_score":-0.012975316701663865},{"text":"No.","start":365.52002,"end":365.84003,"sentiment":"neutral","sentiment_score":-0.1473022997379303},{"text":"I don't have to.","start":365.84003,"end":367.06,"sentiment":"neutral","sentiment_score":-0.13882160373032093},{"text":"Sorry.","start":367.6,"end":368.0,"sentiment":"neutral","sentiment_score":-0.11416124552488328},{"text":"Because you will have to make a legal nomination.","start":368.0,"end":370.42,"sentiment":"neutral","sentiment_score":-0.1156980221470197}],"sentiment":"neutral","sentiment_score":-0.06338145030718861,"num_words":33,"start":356.40002,"end":370.42},{"sentences":[{"text":"Oh, beautiful.","start":374.10498,"end":374.845,"sentiment":"neutral","sentiment_score":0.12554223090410233},{"text":"No.","start":379.625,"end":380.025,"sentiment":"neutral","sentiment_score":-0.11483903229236604},{"text":"Because it is making a legal nomination, so you have to get it witnessed website and send it back.","start":380.025,"end":388.06,"sentiment":"neutral","sentiment_score":-0.04002726479972664},{"text":"The re the reason I did ask is because the the superannuation has pretty strict regulation of who you can nominate.","start":388.92,"end":396.7,"sentiment":"neutral","sentiment_score":-0.029746544857819874},{"text":"So I just wanted to make sure that the person you are thinking is actually a valid nomination.","start":397.24,"end":401.74,"sentiment":"neutral","sentiment_score":0.020834906233681574}],"sentiment":"neutral","sentiment_score":-0.0143265857620806,"num_words":61,"start":374.10498,"end":401.74},{"sentences":[{"text":"Yeah.","start":405.265,"end":405.585,"sentiment":"neutral","sentiment_score":0.12817752361297607},{"text":"No.","start":405.585,"end":405.905,"sentiment":"neutral","sentiment_score":0.0749213844537735},{"text":"Which is perfectly fine.","start":405.905,"end":407.265,"sentiment":"positive","sentiment_score":0.4191835969686508},{"text":"That's all a valid nomination, which is great.","start":407.265,"end":409.665,"sentiment":"positive","sentiment_score":0.6966060698032379},{"text":"So when you have a moment, see if you can get those forms completed.","start":409.665,"end":414.085,"sentiment":"neutral","sentiment_score":0.26788547315767836}],"sentiment":"positive","sentiment_score":0.40010994566338404,"num_words":28,"start":405.265,"end":414.085},{"sentences":[{"text":"Send it back to us, and then I'll get that sorted with Hub twenty four, your super fund for you.","start":414.95,"end":419.69,"sentiment":"neutral","sentiment_score":0.30102460980415346},{"text":"Yep.","start":420.95,"end":421.45,"sentiment":"neutral","sentiment_score":0.2592165172100067},{"text":"Perfect.","start":421.51,"end":422.01,"sentiment":"positive","sentiment_score":0.6278956532478333},{"text":"Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, I have here that your main focus right now is kind of just to pay down the mortgage as much as possible.","start":422.55002,"end":434.635,"sentiment":"neutral","sentiment_score":0.24309134341421582},{"text":"Is that still kind of the the plan for you?","start":435.015,"end":437.595,"sentiment":"neutral","sentiment_score":0.11571239568293094}],"sentiment":"neutral","sentiment_score":0.24695357765901732,"num_words":74,"start":414.95,"end":437.595},{"sentences":[{"text":"Yep.","start":438.93503,"end":439.43503,"sentiment":"neutral","sentiment_score":0.0983196496963501},{"text":"And when it comes to superannuation as well, are you still planning on accessing super around 67, or do you think you'd retire a bit earlier?","start":439.49503,"end":450.07,"sentiment":"neutral","sentiment_score":0.030360767259620704},{"text":"Well, you can retire now, but you can't access your super until you turn 60.","start":457.045,"end":461.225,"sentiment":"neutral","sentiment_score":-0.03503787070512772},{"text":"So correct.","start":462.64502,"end":467.20502,"sentiment":"neutral","sentiment_score":0.033692821860313416},{"text":"If you stop working at 60, you can get everything completely tax free.","start":467.20502,"end":471.385,"sentiment":"neutral","sentiment_score":-0.0684948918911127}],"sentiment":"neutral","sentiment_score":-0.008086252859548518,"num_words":57,"start":438.93503,"end":471.385},{"sentences":[{"text":"If you stop working.","start":473.0,"end":474.12003,"sentiment":"neutral","sentiment_score":-0.037550561130046844},{"text":"Yeah.","start":474.12003,"end":474.36002,"sentiment":"neutral","sentiment_score":0.032219015061855316},{"text":"If you're still working, there is certain agreements under a transition to retirement where you can access up to 10% tax free between 60 and 65.","start":474.36002,"end":483.58002,"sentiment":"neutral","sentiment_score":0.07146646755819137},{"text":"But if you do, you know, want to get some of that before 60, I'll just put a put a change here that, ideally, you wanna retire at 60.","start":483.88498,"end":492.865,"sentiment":"neutral","sentiment_score":0.05616682867423214},{"text":"I'm trying to get you through your super retirement goals by then.","start":493.00497,"end":496.705,"sentiment":"neutral","sentiment_score":0.2503087508181731}],"sentiment":"neutral","sentiment_score":0.08850955511702017,"num_words":72,"start":473.0,"end":496.705},{"sentences":[{"text":"And, yeah, if you decide to work longer, then you'll have more.","start":498.04,"end":501.1,"sentiment":"neutral","sentiment_score":0.0958657277127107},{"text":"Yeah.","start":502.76,"end":503.26,"sentiment":"neutral","sentiment_score":0.09095672518014908},{"text":"Perfect.","start":503.64,"end":504.14,"sentiment":"neutral","sentiment_score":0.30383968353271484},{"text":"Now most people think you're 67 because it's that's when if you're eligible for age pension, that's when that kick in.","start":505.08002,"end":511.335,"sentiment":"neutral","sentiment_score":0.09335569824491229},{"text":"So the only little thing is, obviously, if you if you, you know, turn 60 and take out your whole super, spend it all, and then age pension won't be till 67.","start":511.655,"end":521.735,"sentiment":"neutral","sentiment_score":-0.049048285640310496}],"sentiment":"neutral","sentiment_score":0.028897159162964394,"num_words":67,"start":498.04,"end":521.735},{"sentences":[{"text":"That's the only thing to be mindful of.","start":521.735,"end":523.74,"sentiment":"neutral","sentiment_score":-0.06894422508776188},{"text":"Yep.","start":525.1,"end":525.6,"sentiment":"neutral","sentiment_score":0.2609613537788391},{"text":"Perfect.","start":526.3,"end":526.8,"sentiment":"positive","sentiment_score":0.5617866516113281},{"text":"Now I can also see here that you don't have any insurances at the moment.","start":526.86,"end":532.77997,"sentiment":"neutral","sentiment_score":0.10871250281731287},{"text":"You're still happy without insurances?","start":532.77997,"end":534.56,"sentiment":"neutral","sentiment_score":0.03312662653625011}],"sentiment":"neutral","sentiment_score":0.06891716265430053,"num_words":30,"start":521.735,"end":534.56},{"sentences":[{"text":"Yeah.","start":536.715,"end":537.215,"sentiment":"neutral","sentiment_score":0.04500095546245575},{"text":"And do you have access to your emails at the moment, Wayne, or is it kind of a a bit on the go for you right now?","start":537.675,"end":544.015,"sentiment":"neutral","sentiment_score":0.04442824016290682},{"text":"Because I've sent you some documents just to kind of quickly go through and get your signature if you're happy with it.","start":548.33,"end":554.99,"sentiment":"neutral","sentiment_score":0.08718675849112598},{"text":"If you have a moment to get that up for me.","start":555.13,"end":557.63,"sentiment":"neutral","sentiment_score":0.08348364653912457},{"text":"If you can't, you can always do it after the call when you have time.","start":561.545,"end":565.88495,"sentiment":"neutral","sentiment_score":0.032786391427119574}],"sentiment":"neutral","sentiment_score":0.06016826460530099,"num_words":76,"start":536.715,"end":565.88495},{"sentences":[{"text":"It's up to you.","start":568.50494,"end":569.565,"sentiment":"neutral","sentiment_score":0.06576420366764069},{"text":"Yes.","start":582.04,"end":582.51996,"sentiment":"neutral","sentiment_score":0.038845889270305634},{"text":"So part of the document is it shows you your superannuation balance.","start":582.51996,"end":587.01996,"sentiment":"neutral","sentiment_score":0.05376548475275437},{"text":"It shows you your performance.","start":587.465,"end":589.16504,"sentiment":"neutral","sentiment_score":0.09809409081935883},{"text":"Also shows you, some other documents as well that I do quickly wanna run through if you have, access to it.","start":590.10504,"end":598.92505,"sentiment":"neutral","sentiment_score":0.010671662166714668}],"sentiment":"neutral","sentiment_score":0.03864334605980751,"num_words":43,"start":568.50494,"end":598.92505},{"sentences":[{"text":"It could also end up in spam because we have just changed your new software.","start":604.75995,"end":609.98,"sentiment":"neutral","sentiment_score":-0.17571991110841434},{"text":"Oh, beautiful.","start":611.07996,"end":611.81995,"sentiment":"neutral","sentiment_score":0.2466111183166504},{"text":"Now the first document there, does it say super summary for you?","start":612.26495,"end":617.08496,"sentiment":"neutral","sentiment_score":0.0864471613119046},{"text":"Does it show Yes.","start":618.345,"end":630.77997,"sentiment":"neutral","sentiment_score":0.0477857431396842},{"text":"Correct.","start":630.92,"end":631.42,"sentiment":"neutral","sentiment_score":0.05935612693428993}],"sentiment":"neutral","sentiment_score":-0.025138570434030366,"num_words":34,"start":604.75995,"end":631.42},{"sentences":[{"text":"Correct.","start":631.56,"end":632.06,"sentiment":"neutral","sentiment_score":0.057432353496551514},{"text":"Yep.","start":632.12,"end":632.44,"sentiment":"neutral","sentiment_score":0.04181736707687378},{"text":"So your super balance?","start":632.44,"end":633.82,"sentiment":"neutral","sentiment_score":0.030175154097378254},{"text":"140.","start":634.36,"end":635.42,"sentiment":"neutral","sentiment_score":0.009179690852761269},{"text":"Yep.","start":636.375,"end":636.615,"sentiment":"neutral","sentiment_score":0.014557584188878536}],"sentiment":"neutral","sentiment_score":0.030460951500572264,"num_words":8,"start":631.56,"end":636.615},{"sentences":[{"text":"140,467.","start":636.615,"end":639.755,"sentiment":"neutral","sentiment_score":0.015280616469681265},{"text":"I can get it up for you.","start":643.575,"end":645.03503,"sentiment":"neutral","sentiment_score":0.030823614980493273},{"text":"Yeah.","start":645.335,"end":645.735,"sentiment":"neutral","sentiment_score":0.07222916185855865},{"text":"Just bear with me, and let me get that for you.","start":645.735,"end":648.795,"sentiment":"neutral","sentiment_score":0.07921638170426543},{"text":"Sorry.","start":658.17,"end":658.41,"sentiment":"neutral","sentiment_score":-0.037939853966236115}],"sentiment":"neutral","sentiment_score":0.054129306093922684,"num_words":21,"start":636.615,"end":658.41},{"sentences":[{"text":"It's just loading.","start":658.41,"end":659.55,"sentiment":"neutral","sentiment_score":-0.03935267527898153},{"text":"Yep.","start":659.61,"end":660.01,"sentiment":"neutral","sentiment_score":0.05051806196570397},{"text":"So when we did your last annual review, it was at a 111,416.","start":660.01,"end":667.815,"sentiment":"neutral","sentiment_score":0.08206307400877659},{"text":"So, yeah, it's it's gone up quite decent, which is actually really good given what's happened in the market.","start":670.435,"end":676.455,"sentiment":"positive","sentiment_score":0.5809815729919233},{"text":"So you probably have you probably have seen, obviously, in the market or heard on the news that are fluctuations and everything the last twelve months or the last correct.","start":676.91003,"end":698.825,"sentiment":"neutral","sentiment_score":-0.017385415794948737}],"sentiment":"neutral","sentiment_score":0.17449041532183235,"num_words":66,"start":658.41,"end":698.825},{"sentences":[{"text":"Yes.","start":699.28503,"end":699.605,"sentiment":"neutral","sentiment_score":0.11534011363983154},{"text":"I do.","start":699.605,"end":700.325,"sentiment":"neutral","sentiment_score":0.17194930464029312},{"text":"Yes.","start":700.325,"end":700.825,"sentiment":"neutral","sentiment_score":0.18230849504470825},{"text":"Yes.","start":703.22003,"end":703.7,"sentiment":"neutral","sentiment_score":0.17500708997249603},{"text":"If you're happy to just go through a couple of questions just to determine how you feel and if it's still appropriate for you.","start":703.7,"end":709.96,"sentiment":"positive","sentiment_score":0.34698773982624215}],"sentiment":"neutral","sentiment_score":0.3153193125437046,"num_words":29,"start":699.28503,"end":709.96},{"sentences":[{"text":"Yep.","start":712.26,"end":712.76,"sentiment":"neutral","sentiment_score":0.1905374825000763},{"text":"Now have you ever more have you ever bought direct shares yourself on the stock market, Wayne?","start":714.02,"end":719.735,"sentiment":"neutral","sentiment_score":0.11069532264681424},{"text":"No.","start":721.15497,"end":721.65497,"sentiment":"neutral","sentiment_score":0.14921829104423523},{"text":"Perfect.","start":722.915,"end":723.415,"sentiment":"positive","sentiment_score":0.36424174904823303},{"text":"And when it actually comes through a level of risk that you are comfortable with for your superannuation, would you say that you are willing to take very high risk, high risk moderate, or a small amount of risk in order to try and make sure your superannuation continues to grow as well.","start":725.07495,"end":747.995,"sentiment":"neutral","sentiment_score":0.11385486274957657}],"sentiment":"neutral","sentiment_score":0.11808391415501295,"num_words":73,"start":712.26,"end":747.995},{"sentences":[{"text":"Yes.","start":751.015,"end":751.41504,"sentiment":"neutral","sentiment_score":-0.003966415300965309},{"text":"You put high, not super high, but a little bit more than moderate.","start":751.41504,"end":755.675,"sentiment":"neutral","sentiment_score":-0.06414902697388943},{"text":"We can have a look.","start":760.7,"end":761.98,"sentiment":"neutral","sentiment_score":0.038068138808012006},{"text":"So these all these questions here give me a bit of an indication of how you feel.","start":761.98,"end":767.68,"sentiment":"neutral","sentiment_score":0.13839289151570378},{"text":"So we'll go through all of these questions and see where you come out because the one thing to also be mindful of is capital gains tax and stuff with making changes.","start":768.155,"end":777.775,"sentiment":"neutral","sentiment_score":0.07184871530625969}],"sentiment":"neutral","sentiment_score":0.05888639667126186,"num_words":68,"start":751.015,"end":777.775},{"sentences":[{"text":"So and also time frame.","start":778.47504,"end":780.315,"sentiment":"neutral","sentiment_score":0.04023740664124489},{"text":"So let me have a look here for you.","start":780.315,"end":782.315,"sentiment":"neutral","sentiment_score":0.07170492162307103},{"text":"So let's do high not super, super high, but more than moderate.","start":782.315,"end":787.03,"sentiment":"neutral","sentiment_score":0.02818808052688837},{"text":"And when it comes to fluctuations in the market, now if you were to place an investment, and let's say after six months, you found out that your portfolio has decreased in value by 20% due to what is happening in the market, so not like one particular investment, just the market as a whole, Would you, if you had the option to do so, put a little bit more money in while the prices are down, or would you kind of just hold and wait to see what happens, or would you want to sell and buy something a little bit more secure, but that means you are then selling when the prices have dropped?","start":787.65,"end":828.425,"sentiment":"neutral","sentiment_score":-0.049434710133435394},{"text":"Hold.","start":832.40497,"end":832.805,"sentiment":"neutral","sentiment_score":0.0594051331281662}],"sentiment":"neutral","sentiment_score":-0.03140023040708962,"num_words":143,"start":778.47504,"end":832.805},{"sentences":[{"text":"Yep.","start":832.805,"end":833.305,"sentiment":"neutral","sentiment_score":0.22587762773036957},{"text":"Perfect.","start":833.365,"end":833.865,"sentiment":"positive","sentiment_score":0.4093770682811737},{"text":"Next one is in regards to fluctuations again.","start":836.64496,"end":840.245,"sentiment":"neutral","sentiment_score":0.08867449034005404},{"text":"So if you saw your superannuation, like, in the last twelve months or during COVID, saw a bit of fluctuation, flux so drop, would you say that you would feel optimistic about potential opportunities, Kind of a bit neutral, like, wouldn't bother you too much, not invest more, but you understand that's part of the market, or would it make you feel very concerned or anxious?","start":840.245,"end":865.52496,"sentiment":"neutral","sentiment_score":0.029199157728616035},{"text":"Part of the process?","start":868.88,"end":869.86,"sentiment":"neutral","sentiment_score":-0.1349248681217432}],"sentiment":"neutral","sentiment_score":0.034151194454170766,"num_words":80,"start":832.805,"end":869.86},{"sentences":[{"text":"Yep.","start":870.16003,"end":870.66003,"sentiment":"neutral","sentiment_score":0.04395882412791252},{"text":"Perfect.","start":870.72003,"end":871.22003,"sentiment":"neutral","sentiment_score":0.1665572226047516},{"text":"And last one here is in regards to borrowing money.","start":871.84,"end":874.64,"sentiment":"neutral","sentiment_score":0.021761951223015785},{"text":"So would you ever consider taking out a loan to buy stocks on the stock market?","start":874.64,"end":879.7,"sentiment":"neutral","sentiment_score":-0.0047118496731854975},{"text":"No.","start":879.945,"end":880.445,"sentiment":"neutral","sentiment_score":-0.045264702290296555}],"sentiment":"neutral","sentiment_score":0.010602802134536463,"num_words":29,"start":870.16003,"end":880.445},{"sentences":[{"text":"Would you consider taking out a loan to buy an investment property?","start":881.545,"end":884.84503,"sentiment":"neutral","sentiment_score":-0.03483015391975641},{"text":"Or just just for your own house like you have?","start":890.34503,"end":893.99,"sentiment":"neutral","sentiment_score":-0.06194167770445347},{"text":"Yeah.","start":894.05,"end":894.37,"sentiment":"neutral","sentiment_score":-0.010875345207750796},{"text":"Perfect.","start":894.37,"end":894.87,"sentiment":"neutral","sentiment_score":-0.003149384632706642},{"text":"As long as you got your house, then, yeah, you're good.","start":897.32996,"end":900.07,"sentiment":"neutral","sentiment_score":0.005595264448360963}],"sentiment":"neutral","sentiment_score":-0.028281584142574243,"num_words":35,"start":881.545,"end":900.07},{"sentences":[{"text":"Yeah.","start":901.81,"end":902.31,"sentiment":"neutral","sentiment_score":0.06318330764770508},{"text":"Now, Wayne, that tells me here that you have come out as a growth investor, and that does align with your current portfolio.","start":902.52997,"end":909.54504,"sentiment":"neutral","sentiment_score":0.1382109895348549},{"text":"So just so that you know on the scale of things as well, it is still a portfolio where you are focusing on getting as much growth as you possibly can out of your super.","start":910.005,"end":920.10504,"sentiment":"neutral","sentiment_score":0.17759711274078915},{"text":"So it's not like you're defensive.","start":920.41,"end":922.27,"sentiment":"neutral","sentiment_score":0.04353485070168972},{"text":"It's not like your balance growth.","start":922.49,"end":924.09,"sentiment":"neutral","sentiment_score":0.06395117255548637}],"sentiment":"neutral","sentiment_score":0.1422936782030992,"num_words":71,"start":901.81,"end":924.09},{"sentences":[{"text":"It's still very much a portfolio where you are focusing on growing it.","start":924.09,"end":929.07,"sentiment":"neutral","sentiment_score":0.1576305226637767},{"text":"There will be some fluctuations in the short term, though.","start":929.69,"end":933.15,"sentiment":"neutral","sentiment_score":0.014135203137993813},{"text":"And when we are talking about how the money is invested, you still had about 80% invested in what we call your growth assets.","start":935.02496,"end":944.725,"sentiment":"neutral","sentiment_score":0.10825260697553556},{"text":"Now if you could go back to the email for me and have a look.","start":945.185,"end":951.75,"sentiment":"neutral","sentiment_score":0.07357054601113001},{"text":"So the next one you will see is your performance with IRR.","start":951.75,"end":955.13,"sentiment":"neutral","sentiment_score":0.10623117039601009}],"sentiment":"neutral","sentiment_score":0.09685058957217513,"num_words":74,"start":924.09,"end":955.13},{"sentences":[{"text":"Can you see that one?","start":955.35004,"end":956.49005,"sentiment":"neutral","sentiment_score":0.07043606266379357},{"text":"Should be the second one.","start":958.79004,"end":959.99005,"sentiment":"neutral","sentiment_score":0.06692295670509338},{"text":"If you press next or scroll down.","start":959.99005,"end":962.01,"sentiment":"neutral","sentiment_score":0.016286109574139118},{"text":"Yes.","start":967.455,"end":967.855,"sentiment":"neutral","sentiment_score":0.04908129200339317},{"text":"But you should be able to see the other doc certificate.","start":967.855,"end":972.675,"sentiment":"neutral","sentiment_score":0.022689287931742994}],"sentiment":"neutral","sentiment_score":0.03791245941779223,"num_words":29,"start":955.35004,"end":972.675},{"sentences":[{"text":"What can you see at the moment?","start":973.375,"end":975.075,"sentiment":"neutral","sentiment_score":0.010667876739587103},{"text":"Does it say that you yes.","start":975.72,"end":978.68,"sentiment":"neutral","sentiment_score":0.0008420657056073347},{"text":"So which attachments are you looking at?","start":978.68,"end":980.94,"sentiment":"neutral","sentiment_score":0.00400422400395785},{"text":"No.","start":983.48,"end":983.98,"sentiment":"neutral","sentiment_score":-0.08326314389705658},{"text":"If you could look at the one that's red, there should be one that has, like, a it's called a Vanguard index chart.","start":985.07996,"end":990.86,"sentiment":"neutral","sentiment_score":-0.000362188535054093}],"sentiment":"neutral","sentiment_score":0.00036735498261722654,"num_words":44,"start":973.375,"end":990.86},{"sentences":[{"text":"It should be like a graph.","start":992.655,"end":994.115,"sentiment":"neutral","sentiment_score":0.038498231365034975},{"text":"If not, it's okay.","start":998.015,"end":999.315,"sentiment":"neutral","sentiment_score":-0.2270028479397297},{"text":"No.","start":999.615,"end":999.935,"sentiment":"neutral","sentiment_score":-0.1553667187690735},{"text":"That's it's okay.","start":999.935,"end":1001.075,"sentiment":"neutral","sentiment_score":-0.06639757628242175},{"text":"Oh, you got it?","start":1001.85504,"end":1002.655,"sentiment":"neutral","sentiment_score":0.0195587994530797}],"sentiment":"neutral","sentiment_score":-0.05296368074292938,"num_words":18,"start":992.655,"end":1002.655},{"sentences":[{"text":"Beautiful.","start":1002.655,"end":1003.155,"sentiment":"positive","sentiment_score":0.43579724431037903},{"text":"So that one here, it is it is good because it gives us a visual representation of the market.","start":1003.615,"end":1010.25,"sentiment":"positive","sentiment_score":0.4737996066871442},{"text":"Now Vanguard does publish this every single year at the end of the financial year, so the next one's due to come out soon.","start":1010.55,"end":1017.45,"sentiment":"neutral","sentiment_score":0.18104274167368808},{"text":"But it shows us kind of long term with the market.","start":1017.65497,"end":1020.395,"sentiment":"neutral","sentiment_score":0.20385271581736478},{"text":"So you can actually see here the different asset classes to the right, how they fluctuate.","start":1020.775,"end":1026.235,"sentiment":"neutral","sentiment_score":0.06494839489459991}],"sentiment":"neutral","sentiment_score":0.24034605301182035,"num_words":71,"start":1002.655,"end":1026.235},{"sentences":[{"text":"Now when it comes to the growth portfolio, which you are currently invested in, we have about 80%.","start":1026.695,"end":1032.4801,"sentiment":"neutral","sentiment_score":0.1274997629225254},{"text":"So still a pretty decent amount invested in your growth investment.","start":1032.4801,"end":1036.42,"sentiment":"neutral","sentiment_score":0.29302412406964734},{"text":"Now what they are are the top four.","start":1036.9601,"end":1039.8401,"sentiment":"neutral","sentiment_score":0.08095138613134623},{"text":"So you can see your US shares, which is, like, the light green line, Australian shares, which is, like, the the dark green, international shares with yellow, and then Prosperity, which is, like, your maroon color.","start":1039.8401,"end":1051.9451,"sentiment":"neutral","sentiment_score":0.13164840204020342},{"text":"Now you can see here that these are the ones that grow the most, so they will do that for your super, but they also fluctuate as well.","start":1052.0851,"end":1059.7051,"sentiment":"neutral","sentiment_score":0.20396716121051991}],"sentiment":"neutral","sentiment_score":0.16451777399766562,"num_words":101,"start":1026.695,"end":1059.7051},{"sentences":[{"text":"And then you have about 20 in, like, the bottom three.","start":1060.87,"end":1063.83,"sentiment":"neutral","sentiment_score":0.06877412206747315},{"text":"So they're a little bit more defensive.","start":1063.83,"end":1065.69,"sentiment":"neutral","sentiment_score":-0.0005177787638136319},{"text":"Limit fluctuation and little bit, but the main focus is to grow your superannuation.","start":1066.15,"end":1071.13,"sentiment":"neutral","sentiment_score":0.03569852174924953},{"text":"So from a, yeah, so from a time frame and where things are at, I think the growth one that you are in is still quite good given, you know, with the market and everything, it's doing well for you, and it has gone up in the last twelve months despite all fluctuations and everything like that.","start":1072.31,"end":1091.23,"sentiment":"positive","sentiment_score":0.44870957745271817},{"text":"So it's doing good, which is good.","start":1091.37,"end":1094.01,"sentiment":"positive","sentiment_score":0.6049596198967525}],"sentiment":"neutral","sentiment_score":0.3235815984371584,"num_words":96,"start":1060.87,"end":1094.01},{"sentences":[{"text":"Now there is one investment that I would like to look at changing for you, and that is your Benelung Australian Equities.","start":1094.01,"end":1101.31,"sentiment":"neutral","sentiment_score":0.03496645467186516},{"text":"Now all of your other investments by quite a bit this last twelve months, but the Bennelong was underperforming a little bit.","start":1101.37,"end":1109.1951,"sentiment":"neutral","sentiment_score":-0.06373286577449604},{"text":"And if there is an investment that is underperforming and we don't foresee it come back around, we also want to be proactive with your investments and swapping it out for something that book more suitable for you moving forward.","start":1109.5751,"end":1123.02,"sentiment":"neutral","sentiment_score":-0.02748446073383093},{"text":"So what the investment committee because we research the investments all the time is we have found another option suitable for swapping your Ben along.","start":1123.64,"end":1132.985,"sentiment":"neutral","sentiment_score":0.04604684859514237},{"text":"So you're swapping one Australian investment to another Australian investment.","start":1132.985,"end":1137.005,"sentiment":"neutral","sentiment_score":0.02920459769666195}],"sentiment":"neutral","sentiment_score":-0.0024287586703019984,"num_words":119,"start":1094.01,"end":1137.005},{"sentences":[{"text":"But the one we're looking at swapping through, it's called your beta shares a 200.","start":1137.625,"end":1142.285,"sentiment":"neutral","sentiment_score":0.040608738486965494},{"text":"Basically, what it is, it invests in the 200 largest companies listed in Australia.","start":1143.41,"end":1149.03,"sentiment":"neutral","sentiment_score":0.08961661452693599},{"text":"So you have all your big banks.","start":1149.09,"end":1150.61,"sentiment":"neutral","sentiment_score":0.14750551113060542},{"text":"You will have your Woolworths, mining.","start":1150.61,"end":1153.33,"sentiment":"neutral","sentiment_score":0.15678747246662775},{"text":"You'll have all the big companies, so it gives you a broad range of diversification.","start":1153.33,"end":1157.51,"sentiment":"neutral","sentiment_score":0.19919255475203196}],"sentiment":"neutral","sentiment_score":0.11973535815221176,"num_words":57,"start":1137.625,"end":1157.51},{"sentences":[{"text":"It is a little bit cheaper than the Bennelong investment you currently have, and it has performed a little bit better.","start":1158.585,"end":1165.085,"sentiment":"neutral","sentiment_score":0.2346805546964918},{"text":"So are you are you happy for us?","start":1166.265,"end":1168.2849,"sentiment":"neutral","sentiment_score":0.22103816270828247},{"text":"Yeah.","start":1168.345,"end":1168.745,"sentiment":"neutral","sentiment_score":0.24729561805725095},{"text":"Perfect.","start":1168.745,"end":1169.245,"sentiment":"positive","sentiment_score":0.3791174292564392},{"text":"So what I what I will do, you don't have to sign this document, is that probably sometime early next week, I will send you an email with it's just called a record of advice.","start":1169.5449,"end":1181.86,"sentiment":"neutral","sentiment_score":0.0839775093964168}],"sentiment":"neutral","sentiment_score":0.15548822464364948,"num_words":66,"start":1158.585,"end":1181.86},{"sentences":[{"text":"All that is is referring back to this investment change to say that we have made one change to your investment, which has been along for the a 200 just for your reference so that you have the document, but you don't need to sign it or anything like that.","start":1182.5599,"end":1197.6749,"sentiment":"neutral","sentiment_score":0.05848410401493311},{"text":"Yep.","start":1199.015,"end":1199.515,"sentiment":"positive","sentiment_score":0.4166083335876465},{"text":"Perfect.","start":1199.735,"end":1200.235,"sentiment":"positive","sentiment_score":0.7046976089477539},{"text":"Now the other documents there for you is and you don't have to look at them now because they're quite long.","start":1200.775,"end":1207.89,"sentiment":"neutral","sentiment_score":0.2561700925940559},{"text":"It is another services guide.","start":1208.11,"end":1210.11,"sentiment":"neutral","sentiment_score":0.11781541258096695}],"sentiment":"neutral","sentiment_score":0.12838666859823158,"num_words":78,"start":1182.5599,"end":1210.11},{"sentences":[{"text":"So another financial services guide.","start":1210.11,"end":1212.0299,"sentiment":"neutral","sentiment_score":0.10765213966369629},{"text":"It's the same kind of you would have seen every year.","start":1212.0299,"end":1214.45,"sentiment":"neutral","sentiment_score":0.17848816107619891},{"text":"Just a bit of an updated version.","start":1214.6449,"end":1216.4049,"sentiment":"neutral","sentiment_score":0.08942071348428726},{"text":"But it gives you all the important information regarding us here at OQ.","start":1216.4049,"end":1219.865,"sentiment":"neutral","sentiment_score":0.2338015242264821},{"text":"If you do go back and have a bit of a read over it, you'll also see myself there on page 10.","start":1220.325,"end":1225.6849,"sentiment":"neutral","sentiment_score":0.16037684238769792}],"sentiment":"neutral","sentiment_score":0.1671601002072466,"num_words":58,"start":1210.11,"end":1225.6849},{"sentences":[{"text":"If you ever wanna put a face to the voice, all the directors and all advisers is in there for you.","start":1225.6849,"end":1232.0801,"sentiment":"neutral","sentiment_score":0.19185702538206464},{"text":"And then the documents that it did ask you to sign, there was two documents.","start":1232.4601,"end":1236.64,"sentiment":"neutral","sentiment_score":0.14323280851046244},{"text":"One was an ongoing service agreement, which was just to say that you were happy to stay on as a client.","start":1237.26,"end":1243.6,"sentiment":"neutral","sentiment_score":0.28791003461394993},{"text":"Now when there is no changes to the fee structure, that stays exactly the same at 1.65 from super.","start":1244.215,"end":1251.0349,"sentiment":"neutral","sentiment_score":0.2018284272206457},{"text":"No changes, and it's never a lock in contract.","start":1251.095,"end":1253.835,"sentiment":"neutral","sentiment_score":0.14384775939914915}],"sentiment":"neutral","sentiment_score":0.20415259222773946,"num_words":85,"start":1225.6849,"end":1253.835},{"sentences":[{"text":"But this just lets us manage your account and your investments and everything for you in the meantime.","start":1254.215,"end":1259.62,"sentiment":"neutral","sentiment_score":0.2944534569978714},{"text":"And the last document was just a compliance form just to say we are keeping your tax phone number secure and safe on file.","start":1260.4801,"end":1267.38,"sentiment":"neutral","sentiment_score":0.20659708604216576},{"text":"So pretty straightforward, and I have seen that that signature has come back to me, so thank you so much for that.","start":1267.76,"end":1274.795,"sentiment":"positive","sentiment_score":0.3583712787790732},{"text":"It's all saved for you as well.","start":1275.975,"end":1277.415,"sentiment":"positive","sentiment_score":0.4564248834337507},{"text":"So if you ever wanna go back when you have a bit more time to have a bit of a read over it, it's all there for you.","start":1277.415,"end":1282.935,"sentiment":"neutral","sentiment_score":0.2537186262863023}],"sentiment":"neutral","sentiment_score":0.28729046610268677,"num_words":99,"start":1254.215,"end":1282.935},{"sentences":[{"text":"If for some reason you can't access it, just let me know, and I can always email them through you as well.","start":1282.935,"end":1287.54,"sentiment":"neutral","sentiment_score":0.08646123128181155},{"text":"Yep.","start":1288.9,"end":1289.38,"sentiment":"neutral","sentiment_score":0.2888479232788086},{"text":"Perfect.","start":1289.38,"end":1289.86,"sentiment":"positive","sentiment_score":0.571733832359314},{"text":"Now, Wayne, do you have any questions for me before I let you go and enjoy the rest of your afternoon otherwise?","start":1289.86,"end":1294.36,"sentiment":"neutral","sentiment_score":0.3122153715653853},{"text":"No.","start":1295.86,"end":1296.36,"sentiment":"neutral","sentiment_score":-0.05836927145719528}],"sentiment":"neutral","sentiment_score":0.20368293078338845,"num_words":47,"start":1282.935,"end":1296.36},{"sentences":[{"text":"Beautiful.","start":1296.5,"end":1296.98,"sentiment":"neutral","sentiment_score":0.05661835893988609},{"text":"Well, thank you so much for your time today.","start":1296.98,"end":1299.4,"sentiment":"positive","sentiment_score":0.8320163488388062},{"text":"I'll keep a lookout for your email for that investment switch, and then let me know how you go with those beneficiary forms for your super as well if something would happen.","start":1299.62,"end":1308.515,"sentiment":"positive","sentiment_score":0.3937680274248123},{"text":"Okay.","start":1310.095,"end":1310.495,"sentiment":"positive","sentiment_score":0.33623945713043213},{"text":"Beautiful.","start":1310.495,"end":1310.975,"sentiment":"positive","sentiment_score":0.8012760877609253}],"sentiment":"positive","sentiment_score":0.48370131638578395,"num_words":44,"start":1296.5,"end":1310.975},{"sentences":[{"text":"Thank you so much, Wayne.","start":1310.975,"end":1312.095,"sentiment":"positive","sentiment_score":0.8579734802246094},{"text":"Anything you need, just give me a call.","start":1312.095,"end":1314.115,"sentiment":"positive","sentiment_score":0.5329079106450081},{"text":"Thanks.","start":1315.8829,"end":1316.3629,"sentiment":"positive","sentiment_score":0.7169145345687866},{"text":"Bye.","start":1316.3629,"end":1316.8629,"sentiment":"positive","sentiment_score":0.42919108271598816},{"text":"Bye.","start":1317.9629,"end":1318.4629,"sentiment":"neutral","sentiment_score":0.23861411213874817}],"sentiment":"positive","sentiment_score":0.6211156509816647,"num_words":16,"start":1310.975,"end":1318.4629}]}}]},{"alternatives":[{"transcript":"Hi, Veronica. Happy birthday. How's your day going? Good. Yeah. That's good. Yeah. Not too bad. Me and sort of Dana have been keeping an an eye on, Paul Monahan's account, which has given us some grief, but that's okay. I have Wayne Suby on the phone for his appointment. Is it too late? Or okay. Yeah. Okay. No worries. Take your time. I did ask him if now was a good time, and he said, yep. Now's a fine time. He's ready to go if you were fine to do it, and then I just passed him through security as well. Yeah. Yeah. I know. Well, when I got the call in, I was like, this can't be that guy that Veronica asked for. Yeah. Yeah. He's past securities. Okay. Perfect. In 321, you have Wayne. Hey, Garth. Good. Thanks. No worries. Yep. Yeah. Nothing more in. Married. Yeah. December. Yeah. Yes. Two phones. No. That's all fine. Fine. I was trying to Yes. Yeah. Just leave it at that. No. No. No. Yeah. It's about that. Yeah. Yeah. Yes. Yes. No. No. Yep. No. No. Yeah. Yeah. Yeah. Is that something you can put down now? Right. I've I've got that I've got that nomination form here. But, yeah, is there something you can put down or not? Alright. Alright. Alright. Alright. Alright. It'll either be my wife or my son. Yeah. Yep. Yep. Yep. The client printer? Yes. Wait. Can you retire early or retire now? Ah, so I'm retired when I'm 60, so I can access my super. Alright. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Right. Just a second while I what's that? Yep. What is my you got my do you access my balance there? My info. Okay. No. I got a list. Approximate benefit. So what are you saying? 100 and hundred and 40. Hi. And, Louis, what was the last four, Janice? You better let me? Yeah. Good job. Not wrong. Yeah. So so so according to I think last time we picked what risk I wanted to take. Risk level or whatever. You know what I'm talking about? So we're gonna do that again? Or Yeah. I reckon. Yep. What do you know what I put last on? Can I push it another one then? Yep. Alright. Yes. No. I'm I'm willing to hold. Yeah. Yeah. This is part of the part of the deal, isn't it? No. No. No. I don't think so. Yeah. I'm a Grady man. I just wanna fucking I'm a Macaran. Yep. Yes. Right. Oh, okay. Yeah. Right. Yeah. Saw in request. It's a TV kit. What's that? The hallways of attachments. All of them. Which one do you want me to look at? I'll have to say, but not yeah. I've gotta hear you. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. I'm with you. Yes. Yes. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Alright. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No worries. Yeah. Yep. Alright. Yep. Yep. Yeah. No. Yeah. No worries. No. That's it. Yep. Yeah. Awesome. Thanks, mate. Yeah. 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 Veronica. Happy birthday. How's your day going? Good. Yeah.\n\nThat's good. Yeah. Not too bad. Me and sort of Dana have been keeping an an eye on, Paul Monahan's account, which has given us some grief, but that's okay. I have Wayne Suby on the phone for his appointment.\n\nIs it too late? Or okay. Yeah. Okay. No worries.\n\nTake your time. I did ask him if now was a good time, and he said, yep. Now's a fine time. He's ready to go if you were fine to do it, and then I just passed him through security as well. Yeah.\n\nYeah. I know. Well, when I got the call in, I was like, this can't be that guy that Veronica asked for. Yeah. Yeah.\n\nHe's past securities. Okay. Perfect. In 321, you have Wayne. Hey, Garth.\n\nGood. Thanks. No worries. Yep. Yeah.\n\nNothing more in. Married. Yeah. December. Yeah.\n\nYes. Two phones. No. That's all fine. Fine.\n\nI was trying to Yes. Yeah. Just leave it at that. No. No.\n\nNo. Yeah. It's about that. Yeah. Yeah.\n\nYes. Yes. No. No. Yep.\n\nNo. No. Yeah. Yeah. Yeah.\n\nIs that something you can put down now? Right. I've I've got that I've got that nomination form here. But, yeah, is there something you can put down or not? Alright.\n\nAlright. Alright. Alright. Alright. It'll either be my wife or my son.\n\nYeah. Yep. Yep. Yep. The client printer?\n\nYes. Wait. Can you retire early or retire now? Ah, so I'm retired when I'm 60, so I can access my super. Alright.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Right. Just a second while I what's that?\n\nYep. What is my you got my do you access my balance there? My info. Okay. No.\n\nI got a list. Approximate benefit. So what are you saying? 100 and hundred and 40. Hi.\n\nAnd, Louis, what was the last four, Janice? You better let me? Yeah. Good job. Not wrong.\n\nYeah. So so so according to I think last time we picked what risk I wanted to take. Risk level or whatever. You know what I'm talking about? So we're gonna do that again?\n\nOr Yeah. I reckon. Yep. What do you know what I put last on? Can I push it another one then?\n\nYep. Alright. Yes. No. I'm I'm willing to hold.\n\nYeah. Yeah. This is part of the part of the deal, isn't it? No. No.\n\nNo. I don't think so. Yeah. I'm a Grady man. I just wanna fucking I'm a Macaran.\n\nYep. Yes. Right. Oh, okay. Yeah.\n\nRight. Yeah. Saw in request. It's a TV kit. What's that?\n\nThe hallways of attachments. All of them. Which one do you want me to look at? I'll have to say, but not yeah. I've gotta hear you.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. I'm with you. Yes.\n\nYes. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Alright. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. No worries.\n\nYeah. Yep. Alright. Yep. Yep.\n\nYeah. No. Yeah. No worries. No.\n\nThat's it. Yep. Yeah. Awesome. Thanks, mate.\n\nYeah. Yeah.","paragraphs":[{"sentences":[{"text":"Hi, Veronica.","start":2.3999999,"end":3.22,"sentiment":"neutral","sentiment_score":0.2727079689502716},{"text":"Happy birthday.","start":3.28,"end":4.1,"sentiment":"positive","sentiment_score":0.5781345367431641},{"text":"How's your day going?","start":6.56,"end":7.8599997,"sentiment":"positive","sentiment_score":0.4251321777701378},{"text":"Good.","start":9.76,"end":10.26,"sentiment":"positive","sentiment_score":0.5029724836349487},{"text":"Yeah.","start":10.96,"end":11.46,"sentiment":"neutral","sentiment_score":0.2968803644180298}],"sentiment":"positive","sentiment_score":0.4202066570520401,"num_words":10,"start":2.3999999,"end":11.46},{"sentences":[{"text":"That's good.","start":12.08,"end":12.98,"sentiment":"positive","sentiment_score":0.5148381590843201},{"text":"Yeah.","start":13.335,"end":13.575,"sentiment":"neutral","sentiment_score":0.17844516038894653},{"text":"Not too bad.","start":13.575,"end":14.615,"sentiment":"neutral","sentiment_score":0.07222748796145122},{"text":"Me and sort of Dana have been keeping an an eye on, Paul Monahan's account, which has given us some grief, but that's okay.","start":14.615,"end":24.955,"sentiment":"neutral","sentiment_score":-0.08864793088287115},{"text":"I have Wayne Suby on the phone for his appointment.","start":26.79,"end":29.93,"sentiment":"neutral","sentiment_score":0.0005860102362930773}],"sentiment":"neutral","sentiment_score":-0.017422157409600913,"num_words":40,"start":12.08,"end":29.93},{"sentences":[{"text":"Is it too late?","start":29.990002,"end":31.19,"sentiment":"neutral","sentiment_score":-0.08801850490272045},{"text":"Or 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that something you can put down now?","start":362.635,"end":364.415,"sentiment":"neutral","sentiment_score":-0.0412959516979754},{"text":"Right.","start":367.435,"end":367.935,"sentiment":"neutral","sentiment_score":-0.06931259483098984},{"text":"I've I've got that I've got that nomination form here.","start":368.555,"end":373.535,"sentiment":"neutral","sentiment_score":-0.05240365546196699},{"text":"But, yeah, is there something you can put down or 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Happy birthday.\n\nChannel 0: No. Thank you very much.\n\nChannel 1: How's your day going?\n\nChannel 0: Oh, good. Busy. Busy.\n\nChannel 1: Good.\n\nChannel 0: But good.\n\nChannel 1: Yeah.\n\nChannel 0: You?\n\nChannel 1: That's good. Yeah. Not too bad. Me and sort of Dana have been keeping an an eye on, Paul Monahan's account, which\n\nChannel 0: Fun.\n\nChannel 1: has given us some grief, but that's okay. I have Wayne Suby on the phone for his appointment. Is it too late? Or\n\nChannel 0: No. I can I can do it just so we can get\n\nChannel 1: okay.\n\nChannel 0: him out? Just\n\nChannel 1: Yeah.\n\nChannel 0: let me get everything up for you.\n\nChannel 1: Okay. No worries. Take your time. I\n\nChannel 0: Let's\n\nChannel 1: did\n\nChannel 0: see.\n\nChannel 1: ask him if now was a good time, and he said, yep. Now's a fine time. He's ready to go\n\nChannel 0: Okay.\n\nChannel 1: if you were fine to do it, and then I just passed him through security as well.\n\nChannel 0: Okay. Beautiful. Let me just get all these documents up. Should've kept it up. I normally only keep it up for, like, twenty minutes, and then I'm like, oh, they're not gonna call back.\n\nChannel 1: Yeah. Yeah. I know. Well, when I got the call in, I was like, this can't be that guy that Veronica asked for.\n\nChannel 0: Half an hour later, buddy. But\n\nChannel 1: Yeah.\n\nChannel 0: no. All good. I'll I'll get him done. You can and he's at past security, did you say?\n\nChannel 1: Yeah. He's past securities.\n\nChannel 0: Yeah. Beautiful. You can send him through when you're ready.\n\nChannel 1: Okay. Perfect. In 321, you have Wayne.\n\nChannel 0: Good afternoon, Wayne. This is Ronka speaking.\n\nChannel 1: Hey, Garth.\n\nChannel 0: Yeah. Good. Thanks. How are you?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. Thanks for calling me back.\n\nChannel 1: No worries.\n\nChannel 0: You still have time to go over your interview now?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. And now before I do kind of jump into things, I do usually like to start by asking if there is anything specific that you are wanting to address today or any particular questions or whether it's just a bit of an update and see where everything's at.\n\nChannel 1: Yeah. Nothing more in.\n\nChannel 0: Yeah. Just just usual. Just a bit of an update. Yeah. Perfect.\n\nNow what I will do first is just to run through a bit of an updated fact plan with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just bear with me as I go through this information. Now Wayne, when it comes to your personal information, I have you down here as that you are engaged with no financial dependent. Is that correct?\n\nChannel 1: Married. Yeah.\n\nChannel 0: Married? Oh, congratulations. When did you guys get married?\n\nChannel 1: December.\n\nChannel 0: Oh, yeah. Nice. And I do also have here next up, Ken, your son, William, I believe, if something would happen to you to give him a call. That's still the case?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And his phone number hasn't changed in the last twelve months. It still ends on 633? Yep.\n\nPerfect.\n\nChannel 1: Yes. Two phones.\n\nChannel 0: Now occupation wise, has any of that changed, or are you still\n\nChannel 1: No. That's all fine.\n\nChannel 0: all the same, beautiful, still working, self employed, sole trader, all the same?\n\nChannel 1: Fine. I was trying to\n\nChannel 0: Yeah. What are you working for someone now? No. Yep. Okay.\n\nSo I just changed from company self employed sorry. Sole trader to company structure? Yeah. And do you have a few people working for you?\n\nChannel 1: Yes.\n\nChannel 0: No. Just you? Yep. Now I have here income at around 50,000 that you pay yourself. Is that still the case?\n\nChannel 1: Yeah. Just leave it at that.\n\nChannel 0: Just leave that at. Yep. And, obviously, with the the company structure as well, are you paid, like, a wage? So do you get super contribution as well, or how is that all\n\nChannel 1: No.\n\nChannel 0: structured for you? No.\n\nChannel 1: No.\n\nChannel 0: Okay. Is that something you are looking at doing or not really right now?\n\nChannel 1: No.\n\nChannel 0: No. That's all good. Assets wise, I have here you your property last was right at about 480,000. Is that still the case, or do you know if that's gone up a little bit or changed?\n\nChannel 1: Yeah. It's about that.\n\nChannel 0: About that? Perfect. And mortgage about $3.60?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. I also have here that you have three motor vehicles combined valued at about 60,000. Yep. And you do have about 30 owing in total.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Any other new assets, Wayne, in the last twelve months? Any other motor vehicles or\n\nChannel 1: No.\n\nChannel 0: boats or bikes? No. Any other liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: No.\n\nChannel 0: No. Right. Health and lifestyle wise, still a nonsmoker?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And have you had any changes to your health or injuries or anything in the last twelve months?\n\nChannel 1: No.\n\nChannel 0: No. That's great. Estate planning wise, do you have a will or power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: No. And for your superannuation, so in the event that something ever were to happen to you, we don't currently have a nomination on file.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: Yeah.\n\nChannel 0: you know\n\nChannel 1: Yeah.\n\nChannel 0: who you would like to receive that benefit if something were to happen to you?\n\nChannel 1: Is that something you can put down now?\n\nChannel 0: No. I don't have to.\n\nChannel 1: Right.\n\nChannel 0: Sorry. Because you\n\nChannel 1: I've\n\nChannel 0: will have to make a legal\n\nChannel 1: I've got\n\nChannel 0: nomination.\n\nChannel 1: that I've got that nomination form here.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: But, yeah, is there something you can put down or not?\n\nChannel 0: No. Because it\n\nChannel 1: Alright.\n\nChannel 0: is making a legal nomination, so you have to get it witnessed website\n\nChannel 1: Alright.\n\nChannel 0: and send it back.\n\nChannel 1: Alright. Alright.\n\nChannel 0: The re the reason I did ask is because the the superannuation has pretty strict regulation of who you can nominate. So I just wanted to make sure that the person you are thinking is actually a valid nomination.\n\nChannel 1: Alright. It'll either be my wife or my son.\n\nChannel 0: Yeah. No. Which is perfectly fine. That's all a valid nomination, which is great. So when you have a moment, see if you can get those forms completed.\n\nChannel 1: Yeah.\n\nChannel 0: Send it back to us, and then I'll get that sorted with Hub twenty four, your super fund for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, I have\n\nChannel 1: Yep.\n\nChannel 0: here that your main focus right now is kind of just to pay down the mortgage as much\n\nChannel 1: Yep.\n\nChannel 0: as possible. Is that still kind of the the plan\n\nChannel 1: The\n\nChannel 0: for you?\n\nChannel 1: client printer? Yes.\n\nChannel 0: Yep. And when it comes to superannuation as well, are you still planning on accessing super around 67, or do you think you'd retire a bit earlier?\n\nChannel 1: Wait. Can you retire early or retire now?\n\nChannel 0: Well, you can retire now, but you can't access your super until you turn 60.\n\nChannel 1: Ah, so\n\nChannel 0: So\n\nChannel 1: I'm retired when I'm 60, so I can access my super.\n\nChannel 0: correct. If you stop working at 60, you can get everything completely tax free.\n\nChannel 1: Alright.\n\nChannel 0: If you stop working. Yeah. If you're still working, there is certain agreements under a transition to retirement where you can access up to 10% tax free between 60 and 65. But if\n\nChannel 1: Yeah.\n\nChannel 0: you do, you know, want to get some of that before 60, I'll just put a put a change here that, ideally, you wanna retire at 60. I'm trying to get you through your super retirement goals by then. And, yeah, if you decide to work longer, then you'll have more.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now most people\n\nChannel 1: Yeah.\n\nChannel 0: think you're 67 because it's that's when if you're eligible for age pension, that's when that kick in. So the only\n\nChannel 1: Yeah.\n\nChannel 0: little thing is, obviously, if you if you, you know, turn 60 and take out your whole super, spend it all, and then age pension won't be till 67. That's the only thing to be mindful of.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Perfect. Now I can also see here that you don't have any insurances at the moment. You're still happy without insurances?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And do you have access to your emails at the moment, Wayne, or is it kind of a a bit on the go for you right now?\n\nChannel 1: Right. Just a second while I what's that?\n\nChannel 0: Because I've sent you some documents just to kind of quickly go through and get your signature if you're happy with it. If you\n\nChannel 1: Yep.\n\nChannel 0: have a moment to get that up for me. If you can't, you can always do it after the call when you have time. It's up to you.\n\nChannel 1: What is my you got my do you access my balance there?\n\nChannel 0: Yes. So\n\nChannel 1: My\n\nChannel 0: part\n\nChannel 1: info.\n\nChannel 0: of the document is it shows you your superannuation balance. It shows you your performance. Also shows you, some other documents as well that I do quickly wanna run through if you have, access to it. It could also end up in spam because we have just changed your\n\nChannel 1: Okay.\n\nChannel 0: new software.\n\nChannel 1: No. I got a list.\n\nChannel 0: Oh, beautiful. Now the first document there, does it say super summary for you? Does it show\n\nChannel 1: Approximate benefit. So\n\nChannel 0: Yes.\n\nChannel 1: what are you saying?\n\nChannel 0: Correct. Correct. Yep. So\n\nChannel 1: 100\n\nChannel 0: your super balance? 140.\n\nChannel 1: and hundred and 40.\n\nChannel 0: Yep. 140,467.\n\nChannel 1: Hi. And, Louis, what was the last four, Janice?\n\nChannel 0: I can get\n\nChannel 1: You better\n\nChannel 0: it up\n\nChannel 1: let\n\nChannel 0: for\n\nChannel 1: me?\n\nChannel 0: you. Yeah. Just bear with me, and let me get that for you. Sorry. It's just loading.\n\nYep. So when we did your last annual review,\n\nChannel 1: Yeah.\n\nChannel 0: it was at a 111,416.\n\nChannel 1: Good\n\nChannel 0: So, yeah, it's it's gone up quite decent, which is actually really good given what's happened in the market.\n\nChannel 1: job.\n\nChannel 0: So you probably have\n\nChannel 1: Not wrong.\n\nChannel 0: you probably have seen, obviously, in the market or heard on the news that are fluctuations and everything\n\nChannel 1: Yeah.\n\nChannel 0: the last twelve\n\nChannel 1: So\n\nChannel 0: months\n\nChannel 1: so\n\nChannel 0: or the last\n\nChannel 1: so according to I think last time we picked what risk I wanted to take. Risk level or whatever. You know what I'm\n\nChannel 0: correct.\n\nChannel 1: talking about?\n\nChannel 0: Yes. I do.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: we're gonna do that again? Or\n\nChannel 0: Yes. If you're happy to just go through a couple of questions just to determine how you feel and if it's still appropriate for you.\n\nChannel 1: Yeah. I reckon.\n\nChannel 0: Yep. Now have you ever more have you ever bought direct shares yourself on the stock market, Wayne?\n\nChannel 1: Yep.\n\nChannel 0: No. Perfect. And when it actually comes through a level of risk that you are comfortable with for your superannuation, would you say that you are willing to take very high risk, high risk moderate, or a small amount of risk in order to try and make sure your superannuation continues to grow as well.\n\nChannel 1: What do you know what I put last on?\n\nChannel 0: Yes. You put high, not super high, but a little bit more than moderate.\n\nChannel 1: Can I push it another one then?\n\nChannel 0: We can have a look. So these all these questions here give me a bit of an indication of how you feel. So we'll go through all of these questions and see where you\n\nChannel 1: Yep.\n\nChannel 0: come out because the one thing to also be mindful of is capital gains tax and stuff with making changes. So and also\n\nChannel 1: Alright.\n\nChannel 0: time frame. So let me have a look here for you. So let's do high not super, super high, but more than moderate. And when it comes to fluctuations in the market, now if you were to place an investment, and let's say after six months, you found out that your portfolio has decreased in value by 20% due to what is happening in the market, so not like one particular investment, just the market as a whole, Would you, if you had the option to do so, put a little bit more money in while the prices are down, or would you kind of just hold and wait to see\n\nChannel 1: Yes.\n\nChannel 0: what happens, or would you want to sell and buy something a little bit more secure, but that means you are then selling when the prices have dropped?\n\nChannel 1: No. I'm I'm willing to hold.\n\nChannel 0: Hold. Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Next one is in regards to fluctuations again. So if you saw your superannuation, like, in the last twelve months or during COVID, saw a bit of fluctuation, flux so drop, would you say that you would feel optimistic about potential opportunities, Kind of a bit neutral, like, wouldn't bother you too much, not invest more, but you understand that's part of the market, or would\n\nChannel 1: Yeah.\n\nChannel 0: it make you feel very concerned or anxious?\n\nChannel 1: This is part of the part of the\n\nChannel 0: Part\n\nChannel 1: deal,\n\nChannel 0: of the\n\nChannel 1: isn't\n\nChannel 0: process?\n\nChannel 1: it?\n\nChannel 0: Yep. Perfect. And last one here is in regards to borrowing money. So would you ever consider taking out a loan to buy stocks on the stock market? No.\n\nWould you consider taking out a loan to buy an investment property?\n\nChannel 1: No. No. No. I don't\n\nChannel 0: Or\n\nChannel 1: think\n\nChannel 0: just\n\nChannel 1: so.\n\nChannel 0: just for your own house\n\nChannel 1: Yeah.\n\nChannel 0: like you have? Yeah. Perfect.\n\nChannel 1: I'm a Grady man. I just wanna fucking\n\nChannel 0: As long as you got your house, then, yeah, you're good.\n\nChannel 1: I'm a Macaran.\n\nChannel 0: Yeah. Now, Wayne, that tells me here that you have come out as a growth investor, and that does align with your current portfolio. So just so that you know on the scale of things as well, it is still\n\nChannel 1: Yep.\n\nChannel 0: a portfolio where you are focusing on getting as much growth as you possibly can out of your super. So it's not like you're defensive. It's not like your balance growth. It's still very much a portfolio where you\n\nChannel 1: Yes.\n\nChannel 0: are focusing on growing it.\n\nChannel 1: Right.\n\nChannel 0: There will be some fluctuations in\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: okay.\n\nChannel 0: short term, though.\n\nChannel 1: Yeah.\n\nChannel 0: And when we are talking about how the money is invested, you still had about 80% invested in what we call your growth assets. Now\n\nChannel 1: Right.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: you could go back to the email for me and have a look. So the next one you will see is your performance with IRR. Can you see that one? Should be the second one. If you press next or scroll down.\n\nChannel 1: Saw in request.\n\nChannel 0: Yes. But\n\nChannel 1: It's\n\nChannel 0: you should\n\nChannel 1: a\n\nChannel 0: be\n\nChannel 1: TV\n\nChannel 0: able\n\nChannel 1: kit.\n\nChannel 0: to see the other doc\n\nChannel 1: What's that?\n\nChannel 0: certificate. What can you see at the moment? Does\n\nChannel 1: The\n\nChannel 0: it\n\nChannel 1: hallways\n\nChannel 0: say\n\nChannel 1: of\n\nChannel 0: that you\n\nChannel 1: attachments.\n\nChannel 0: yes. So which attachments are you looking at?\n\nChannel 1: All of them. Which one do you want me to look\n\nChannel 0: No.\n\nChannel 1: at?\n\nChannel 0: If you could look at the one that's red, there should be one that has, like, a it's called a Vanguard index chart. It should be like a graph.\n\nChannel 1: I'll have\n\nChannel 0: If\n\nChannel 1: to say,\n\nChannel 0: not,\n\nChannel 1: but\n\nChannel 0: it's\n\nChannel 1: not\n\nChannel 0: okay. No. That's it's\n\nChannel 1: yeah.\n\nChannel 0: okay.\n\nChannel 1: I've gotta hear you.\n\nChannel 0: Oh, you got it? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: So that one here, it is it is good because it gives us a visual representation of the market. Now Vanguard does publish this every single year at the end of the financial year, so the next one's due to come out soon. But it shows us kind of long term with the market. So you can actually\n\nChannel 1: Yeah.\n\nChannel 0: see here the different asset classes to the right, how they fluctuate. Now when it comes to the growth portfolio, which you are currently invested in, we have about 80%. So still a pretty decent amount invested in your growth investment.\n\nChannel 1: Yep.\n\nChannel 0: Now what they are\n\nChannel 1: Yep.\n\nChannel 0: are the top four. So you can see your US shares, which is, like, the light green line, Australian shares, which is, like, the the dark green, international shares with yellow, and then Prosperity, which is, like, your maroon color. Now you can see here that these are the ones that grow the most, so they will do that for your\n\nChannel 1: Yep.\n\nChannel 0: super, but they also\n\nChannel 1: Yep.\n\nChannel 0: fluctuate as well. And then you have about 20 in, like, the bottom three. So they're a little bit more defensive. Limit fluctuation and little bit, but the main focus is to grow your superannuation.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: I'm with you.\n\nChannel 0: from a, yeah,\n\nChannel 1: Yes.\n\nChannel 0: so from a time frame and where things are at, I think the growth one that you are in is still quite good given,\n\nChannel 1: Yes.\n\nChannel 0: you know, with the market and everything, it's doing well for you, and it has gone up in the last twelve months despite all fluctuations and everything like that. So it's doing\n\nChannel 1: Yep.\n\nChannel 0: good, which is good. Now there is one investment that I would like to look at changing for you,\n\nChannel 1: Yeah.\n\nChannel 0: and that is your Benelung Australian Equities. Now all of your other investments by quite a bit this last twelve months, but the Bennelong was underperforming a little bit. And if there is\n\nChannel 1: Yeah.\n\nChannel 0: an investment that is\n\nChannel 1: Yeah.\n\nChannel 0: underperforming and we don't foresee it come back around, we also want to be proactive with your investments and\n\nChannel 1: Yeah.\n\nChannel 0: swapping it out for something that book more suitable for you moving forward. So what the investment committee because we research the investments all the time is we have found another option suitable for swapping your Ben along. So you're swapping one Australian investment to another Australian investment. But the one\n\nChannel 1: Yeah.\n\nChannel 0: we're looking at swapping through, it's called your beta shares a 200. Basically,\n\nChannel 1: Alright.\n\nChannel 0: what it is, it invests in the 200 largest companies listed in Australia. So you have all your big banks. You will have your Woolworths, mining. You'll have all the big companies, so it gives you a broad range of diversification. It is a little bit cheaper than the Bennelong investment you currently have, and it has performed a little bit better.\n\nSo are you\n\nChannel 1: Yeah.\n\nChannel 0: are you happy for us? Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So what I what I will do, you don't have to sign this document, is that probably sometime early next week, I will send\n\nChannel 1: Yeah.\n\nChannel 0: you an email with it's\n\nChannel 1: Yeah.\n\nChannel 0: just called a record of advice. All that is is referring back to this investment change to say that we have made\n\nChannel 1: Yeah.\n\nChannel 0: one change to your investment, which has been along for the a 200 just for your reference so that you have the document, but you don't need to sign it or anything like that.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Perfect. Now the other documents there for you is and you don't have to look at them now because they're quite long. It is another services guide. So another financial services guide.\n\nIt's the same kind of you would have seen every year. Just a bit\n\nChannel 1: Yeah.\n\nChannel 0: of an updated version. But it gives you all the important information regarding us here at OQ. If you do go back and have a bit of a read over it, you'll also see myself there on page 10. If you ever wanna put a face to the voice, all the\n\nChannel 1: Yep.\n\nChannel 0: directors and all advisers is in there for you. And\n\nChannel 1: Alright.\n\nChannel 0: then the documents that it did ask you to sign, there was two documents. One was an ongoing service agreement, which was just to say that you were happy to stay on as a client. Now when there is no changes to the fee structure, that stays exactly the same at\n\nChannel 1: Yep.\n\nChannel 0: 1.65 from super. No changes, and it's never a lock in contract. But this just lets us manage your account and your investments and everything for you in the meantime. And\n\nChannel 1: Yep.\n\nChannel 0: the last document was just a compliance form\n\nChannel 1: Yeah.\n\nChannel 0: just to say we are keeping your tax phone number secure and safe on file. So pretty straightforward, and I have seen that that signature\n\nChannel 1: No.\n\nChannel 0: has come back to me, so thank you so much for that. It's all saved for you as well. So if you ever wanna go back when you have a bit more time to have a bit of a read over it, it's all there for you. If for some reason you can't access it, just let me know, and I can always email them through you as well.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Perfect. Now, Wayne, do you have any questions for me before I let you go and enjoy the rest of your afternoon otherwise?\n\nChannel 1: No. That's it.\n\nChannel 0: No. Beautiful. Well, thank you so much for your time today. I'll keep a lookout for your email for that investment switch, and then let\n\nChannel 1: Yep.\n\nChannel 0: me know how you go with those beneficiary forms for your super as well if something would happen.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Awesome.\n\nChannel 0: Thank you so much, Wayne. Anything you need, just give me a call.\n\nChannel 1: Thanks, mate.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Yeah.\n\nChannel 0: Bye.\n\nChannel 1: Yeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.05510778725147247}],"sentiment":"neutral","sentiment_score":0.05510778725147247,"channel":0,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Veronica.","start":2.3999999,"end":3.22,"sentiment":"neutral","sentiment_score":0.2727079689502716},{"text":"Happy birthday.","start":3.28,"end":4.1,"sentiment":"positive","sentiment_score":0.5781345367431641}],"sentiment":"positive","sentiment_score":0.42542125284671783,"channel":1,"num_words":4,"start":2.3999999,"end":4.1},{"sentences":[{"text":"No.","start":4.72,"end":5.04,"sentiment":"neutral","sentiment_score":0.31337690353393555},{"text":"Thank you very much.","start":5.04,"end":6.18,"sentiment":"positive","sentiment_score":0.4949314519762993}],"sentiment":"positive","sentiment_score":0.45862054228782656,"channel":0,"num_words":5,"start":4.72,"end":6.18},{"sentences":[{"text":"How's your day going?","start":6.56,"end":7.8599997,"sentiment":"positive","sentiment_score":0.4251321777701378}],"sentiment":"positive","sentiment_score":0.4251321777701378,"channel":1,"num_words":4,"start":6.56,"end":7.8599997},{"sentences":[{"text":"Oh, good.","start":8.32,"end":9.12,"sentiment":"positive","sentiment_score":0.48709093034267426},{"text":"Busy.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.42764410376548767},{"text":"Busy.","start":9.679999,"end":10.179999,"sentiment":"positive","sentiment_score":0.3926264643669128}],"sentiment":"positive","sentiment_score":0.44861310720443726,"channel":0,"num_words":4,"start":8.32,"end":10.179999},{"sentences":[{"text":"Good.","start":9.76,"end":10.26,"sentiment":"positive","sentiment_score":0.5029724836349487}],"sentiment":"positive","sentiment_score":0.5029724836349487,"channel":1,"num_words":1,"start":9.76,"end":10.26},{"sentences":[{"text":"But good.","start":10.24,"end":10.98,"sentiment":"positive","sentiment_score":0.4553164690732956}],"sentiment":"positive","sentiment_score":0.4553164690732956,"channel":0,"num_words":2,"start":10.24,"end":10.98},{"sentences":[{"text":"Yeah.","start":10.96,"end":11.46,"sentiment":"neutral","sentiment_score":0.2968803644180298}],"sentiment":"neutral","sentiment_score":0.2968803644180298,"channel":1,"num_words":1,"start":10.96,"end":11.46},{"sentences":[{"text":"You?","start":11.92,"end":12.42,"sentiment":"neutral","sentiment_score":0.27141496539115906}],"sentiment":"neutral","sentiment_score":0.27141496539115906,"channel":0,"num_words":1,"start":11.92,"end":12.42},{"sentences":[{"text":"That's good.","start":12.08,"end":12.98,"sentiment":"positive","sentiment_score":0.5148381590843201},{"text":"Yeah.","start":13.335,"end":13.575,"sentiment":"neutral","sentiment_score":0.17844516038894653},{"text":"Not too bad.","start":13.575,"end":14.615,"sentiment":"neutral","sentiment_score":0.07222748796145122},{"text":"Me and sort of Dana have been keeping an an eye on, Paul Monahan's account, which","start":14.615,"end":22.535,"sentiment":"neutral","sentiment_score":-0.03805304109118879}],"sentiment":"neutral","sentiment_score":0.03708887659013271,"channel":1,"num_words":22,"start":12.08,"end":22.535},{"sentences":[{"text":"Fun.","start":22.435001,"end":22.935001,"sentiment":"neutral","sentiment_score":-0.0680103451013565}],"sentiment":"neutral","sentiment_score":-0.0680103451013565,"channel":0,"num_words":1,"start":22.435001,"end":22.935001},{"sentences":[{"text":"has given us some grief, but that's okay.","start":22.535,"end":24.955,"sentiment":"neutral","sentiment_score":-0.18983771046623588},{"text":"I have Wayne Suby on the phone for his appointment.","start":26.79,"end":29.93,"sentiment":"neutral","sentiment_score":0.0005860102362930773},{"text":"Is it too late?","start":29.990002,"end":31.19,"sentiment":"neutral","sentiment_score":-0.08801850490272045},{"text":"Or","start":31.19,"end":31.69,"sentiment":"neutral","sentiment_score":-0.0817379355430603}],"sentiment":"neutral","sentiment_score":-0.08463711028351732,"channel":1,"num_words":23,"start":22.535,"end":31.69},{"sentences":[{"text":"No.","start":32.61,"end":32.93,"sentiment":"neutral","sentiment_score":-0.21252742409706116},{"text":"I can I can do it just so we can get","start":32.93,"end":35.09,"sentiment":"neutral","sentiment_score":-0.14069330150430853}],"sentiment":"neutral","sentiment_score":-0.1466794783870379,"channel":0,"num_words":12,"start":32.61,"end":35.09},{"sentences":[{"text":"okay.","start":34.95,"end":35.45,"sentiment":"neutral","sentiment_score":-0.07456916570663452}],"sentiment":"neutral","sentiment_score":-0.07456916570663452,"channel":1,"num_words":1,"start":34.95,"end":35.45},{"sentences":[{"text":"him out?","start":35.09,"end":36.31,"sentiment":"neutral","sentiment_score":-0.04627787880599499},{"text":"Just","start":36.45,"end":36.95,"sentiment":"neutral","sentiment_score":0.03958873078227043}],"sentiment":"neutral","sentiment_score":-0.017655675609906513,"channel":0,"num_words":3,"start":35.09,"end":36.95},{"sentences":[{"text":"Yeah.","start":36.95,"end":37.45,"sentiment":"neutral","sentiment_score":0.06464895606040955}],"sentiment":"neutral","sentiment_score":0.06464895606040955,"channel":1,"num_words":1,"start":36.95,"end":37.45},{"sentences":[{"text":"let me get everything up for you.","start":37.17,"end":40.505,"sentiment":"neutral","sentiment_score":0.11279246849673134}],"sentiment":"neutral","sentiment_score":0.11279246849673134,"channel":0,"num_words":7,"start":37.17,"end":40.505},{"sentences":[{"text":"Okay.","start":40.075,"end":40.575,"sentiment":"neutral","sentiment_score":0.09527923166751862},{"text":"No worries.","start":40.875,"end":41.515,"sentiment":"neutral","sentiment_score":0.11403558403253555},{"text":"Take your time.","start":41.515,"end":42.475,"sentiment":"neutral","sentiment_score":0.14264443516731262},{"text":"I","start":42.475,"end":42.795,"sentiment":"neutral","sentiment_score":0.10355135798454285}],"sentiment":"neutral","sentiment_score":0.12211929474558149,"channel":1,"num_words":7,"start":40.075,"end":42.795},{"sentences":[{"text":"Let's","start":42.485,"end":42.805,"sentiment":"neutral","sentiment_score":0.12823033332824707}],"sentiment":"neutral","sentiment_score":0.12823033332824707,"channel":0,"num_words":1,"start":42.485,"end":42.805},{"sentences":[{"text":"did","start":42.795,"end":43.035,"sentiment":"neutral","sentiment_score":0.12726302444934845}],"sentiment":"neutral","sentiment_score":0.12726302444934845,"channel":1,"num_words":1,"start":42.795,"end":43.035},{"sentences":[{"text":"see.","start":42.805,"end":43.305,"sentiment":"neutral","sentiment_score":0.10252638161182404}],"sentiment":"neutral","sentiment_score":0.10252638161182404,"channel":0,"num_words":1,"start":42.805,"end":43.305},{"sentences":[{"text":"ask him if now was a good time, and he said, yep.","start":43.035,"end":45.855,"sentiment":"neutral","sentiment_score":0.12894964839021364},{"text":"Now's a fine time.","start":45.995,"end":47.515,"sentiment":"neutral","sentiment_score":0.28266675770282745},{"text":"He's ready to go","start":47.515,"end":48.895,"sentiment":"neutral","sentiment_score":0.25451282039284706}],"sentiment":"neutral","sentiment_score":0.1848057046532631,"channel":1,"num_words":20,"start":43.035,"end":48.895},{"sentences":[{"text":"Okay.","start":49.205,"end":49.705,"sentiment":"neutral","sentiment_score":0.14401717483997345}],"sentiment":"neutral","sentiment_score":0.14401717483997345,"channel":0,"num_words":1,"start":49.205,"end":49.705},{"sentences":[{"text":"if you were fine to do it, and then I just passed him through security as well.","start":49.434998,"end":52.98,"sentiment":"neutral","sentiment_score":0.10844651960274752}],"sentiment":"neutral","sentiment_score":0.10844651960274752,"channel":1,"num_words":17,"start":49.434998,"end":52.98},{"sentences":[{"text":"Okay.","start":53.3,"end":53.780003,"sentiment":"neutral","sentiment_score":0.22613748908042908},{"text":"Beautiful.","start":53.780003,"end":54.280003,"sentiment":"positive","sentiment_score":0.3996908962726593},{"text":"Let me just get all these documents up.","start":54.5,"end":56.68,"sentiment":"neutral","sentiment_score":0.18202700838446617},{"text":"Should've kept it up.","start":57.22,"end":57.86,"sentiment":"neutral","sentiment_score":0.1494836062192917},{"text":"I normally only keep it up for, like, twenty minutes, and then I'm like, oh, they're not gonna call back.","start":57.86,"end":62.120003,"sentiment":"neutral","sentiment_score":0.0023137534037232397}],"sentiment":"neutral","sentiment_score":0.08018393957001321,"channel":0,"num_words":34,"start":53.3,"end":62.120003},{"sentences":[{"text":"Yeah.","start":62.18,"end":62.5,"sentiment":"neutral","sentiment_score":-0.017964279279112816},{"text":"Yeah.","start":62.5,"end":62.739998,"sentiment":"neutral","sentiment_score":-0.0203719325363636},{"text":"I know.","start":62.739998,"end":63.3,"sentiment":"neutral","sentiment_score":-0.029115905985236168},{"text":"Well, when I got the call in, I was like, this can't be that guy that Veronica asked for.","start":63.3,"end":71.765,"sentiment":"neutral","sentiment_score":-0.10819164447878536}],"sentiment":"neutral","sentiment_score":-0.09357431603838569,"channel":1,"num_words":23,"start":62.18,"end":71.765},{"sentences":[{"text":"Half an hour later, buddy.","start":71.455,"end":72.835,"sentiment":"neutral","sentiment_score":-0.061776316910982135},{"text":"But","start":72.975,"end":73.134995,"sentiment":"neutral","sentiment_score":-0.04388628154993057}],"sentiment":"neutral","sentiment_score":-0.05879464435080687,"channel":0,"num_words":6,"start":71.455,"end":73.134995},{"sentences":[{"text":"Yeah.","start":73.185,"end":73.685,"sentiment":"neutral","sentiment_score":-0.06237737089395523}],"sentiment":"neutral","sentiment_score":-0.06237737089395523,"channel":1,"num_words":1,"start":73.185,"end":73.685},{"sentences":[{"text":"no.","start":73.295,"end":73.775,"sentiment":"neutral","sentiment_score":-0.11205169558525084},{"text":"All good.","start":73.775,"end":74.335,"sentiment":"neutral","sentiment_score":0.0230123158544302},{"text":"I'll I'll get him done.","start":74.335,"end":76.195,"sentiment":"neutral","sentiment_score":0.01493454003939405},{"text":"You can and he's at past security, did you say?","start":76.735,"end":79.475,"sentiment":"neutral","sentiment_score":-0.005109025537967682}],"sentiment":"neutral","sentiment_score":-0.0023580343921720554,"channel":0,"num_words":18,"start":73.295,"end":79.475},{"sentences":[{"text":"Yeah.","start":79.52,"end":79.84,"sentiment":"neutral","sentiment_score":0.0021433690562844276},{"text":"He's past securities.","start":79.84,"end":80.979996,"sentiment":"neutral","sentiment_score":0.003236008085271654}],"sentiment":"neutral","sentiment_score":0.0029628483280248474,"channel":1,"num_words":4,"start":79.52,"end":80.979996},{"sentences":[{"text":"Yeah.","start":80.5,"end":81.0,"sentiment":"neutral","sentiment_score":0.09097866714000702},{"text":"Beautiful.","start":81.54,"end":82.04,"sentiment":"positive","sentiment_score":0.34720978140830994},{"text":"You can send him through when you're ready.","start":82.100006,"end":83.72,"sentiment":"neutral","sentiment_score":0.16528872586786747}],"sentiment":"neutral","sentiment_score":0.17604982554912568,"channel":0,"num_words":10,"start":80.5,"end":83.72},{"sentences":[{"text":"Okay.","start":84.079994,"end":84.32,"sentiment":"neutral","sentiment_score":0.13065721094608307},{"text":"Perfect.","start":84.32,"end":84.799995,"sentiment":"neutral","sentiment_score":0.2199574112892151},{"text":"In 321, you have Wayne.","start":84.799995,"end":87.38,"sentiment":"neutral","sentiment_score":0.07542849108576774}],"sentiment":"neutral","sentiment_score":0.10396529680916242,"channel":1,"num_words":7,"start":84.079994,"end":87.38},{"sentences":[{"text":"Good afternoon, Wayne.","start":91.380005,"end":92.42,"sentiment":"neutral","sentiment_score":0.19172722101211548},{"text":"This is Ronka speaking.","start":92.42,"end":93.8,"sentiment":"neutral","sentiment_score":0.1401101965457201}],"sentiment":"neutral","sentiment_score":0.16223177845988954,"channel":0,"num_words":7,"start":91.380005,"end":93.8},{"sentences":[{"text":"Hey, Garth.","start":95.05499,"end":95.795,"sentiment":"neutral","sentiment_score":0.12717023491859436}],"sentiment":"neutral","sentiment_score":0.12717023491859436,"channel":1,"num_words":2,"start":95.05499,"end":95.795},{"sentences":[{"text":"Yeah.","start":96.295,"end":96.615,"sentiment":"neutral","sentiment_score":0.16548797488212583},{"text":"Good.","start":96.615,"end":96.854996,"sentiment":"neutral","sentiment_score":0.3220977783203125},{"text":"Thanks.","start":96.854996,"end":97.174995,"sentiment":"positive","sentiment_score":0.39968281984329224},{"text":"How are you?","start":97.174995,"end":97.994995,"sentiment":"neutral","sentiment_score":0.2576034863789876}],"sentiment":"neutral","sentiment_score":0.2766798386971156,"channel":0,"num_words":6,"start":96.295,"end":97.994995},{"sentences":[{"text":"Good.","start":98.975,"end":99.215,"sentiment":"positive","sentiment_score":0.34350138902664185},{"text":"Thanks.","start":99.215,"end":99.715,"sentiment":"positive","sentiment_score":0.4657154977321625}],"sentiment":"positive","sentiment_score":0.40460844337940216,"channel":1,"num_words":2,"start":98.975,"end":99.715},{"sentences":[{"text":"That's good.","start":100.295,"end":100.854996,"sentiment":"positive","sentiment_score":0.4729522615671158},{"text":"Thanks for calling me back.","start":100.854996,"end":102.314995,"sentiment":"positive","sentiment_score":0.56268230676651}],"sentiment":"positive","sentiment_score":0.5370451509952545,"channel":0,"num_words":7,"start":100.295,"end":102.314995},{"sentences":[{"text":"No 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jump into things, I do usually like to start by asking if there is anything specific that you are wanting to address today or any particular questions or whether it's just a bit of an update and see where everything's at.","start":111.58,"end":124.895,"sentiment":"neutral","sentiment_score":0.05957754491828382}],"sentiment":"neutral","sentiment_score":0.06060370354913175,"channel":0,"num_words":50,"start":109.26,"end":124.895},{"sentences":[{"text":"Yeah.","start":126.055,"end":126.534996,"sentiment":"neutral","sentiment_score":0.013330996967852116},{"text":"Nothing more in.","start":126.534996,"end":127.675,"sentiment":"neutral","sentiment_score":-0.029914836088816326}],"sentiment":"neutral","sentiment_score":-0.019103377824649215,"channel":1,"num_words":4,"start":126.055,"end":127.675},{"sentences":[{"text":"Yeah.","start":128.155,"end":128.555,"sentiment":"neutral","sentiment_score":0.034762702882289886},{"text":"Just just 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ever wanna put a face to the voice, all the","start":1225.6849,"end":1228.38,"sentiment":"neutral","sentiment_score":0.16717451872924963}],"sentiment":"neutral","sentiment_score":0.17653874015691234,"channel":0,"num_words":51,"start":1215.0449,"end":1228.38},{"sentences":[{"text":"Yep.","start":1228.345,"end":1228.845,"sentiment":"neutral","sentiment_score":0.1932969093322754}],"sentiment":"neutral","sentiment_score":0.1932969093322754,"channel":1,"num_words":1,"start":1228.345,"end":1228.845},{"sentences":[{"text":"directors and all advisers is in there for you.","start":1228.38,"end":1232.0801,"sentiment":"neutral","sentiment_score":0.22476703425248465},{"text":"And","start":1232.4601,"end":1232.62,"sentiment":"neutral","sentiment_score":0.1071799024939537}],"sentiment":"neutral","sentiment_score":0.21300832107663153,"channel":0,"num_words":10,"start":1228.38,"end":1232.62},{"sentences":[{"text":"Alright.","start":1232.505,"end":1233.005,"sentiment":"neutral","sentiment_score":0.18383370339870453}],"sentiment":"neutral","sentiment_score":0.18383370339870453,"channel":1,"num_words":1,"start":1232.505,"end":1233.005},{"sentences":[{"text":"then the documents that it did ask you to sign, there was two documents.","start":1232.62,"end":1236.64,"sentiment":"neutral","sentiment_score":0.1458080160830702},{"text":"One was an ongoing service agreement, which was just to say that you were happy to stay on as a client.","start":1237.26,"end":1243.6,"sentiment":"neutral","sentiment_score":0.28791003461394993},{"text":"Now when there is no changes to the fee structure, that stays exactly the same at","start":1244.215,"end":1249.1749,"sentiment":"neutral","sentiment_score":0.19079325906932354}],"sentiment":"neutral","sentiment_score":0.21843362935617858,"channel":0,"num_words":51,"start":1232.62,"end":1249.1749},{"sentences":[{"text":"Yep.","start":1249.1599,"end":1249.6599,"sentiment":"neutral","sentiment_score":0.22308608889579773}],"sentiment":"neutral","sentiment_score":0.22308608889579773,"channel":1,"num_words":1,"start":1249.1599,"end":1249.6599},{"sentences":[{"text":"1.65 from super.","start":1249.1749,"end":1251.0349,"sentiment":"neutral","sentiment_score":0.2606826573610306},{"text":"No changes, and it's never a lock in contract.","start":1251.095,"end":1253.835,"sentiment":"neutral","sentiment_score":0.14384775939914915},{"text":"But this just lets us manage your account and your investments and everything for you in the meantime.","start":1254.215,"end":1259.62,"sentiment":"neutral","sentiment_score":0.2944534569978714},{"text":"And","start":1260.4801,"end":1260.7201,"sentiment":"neutral","sentiment_score":0.08115468174219131}],"sentiment":"neutral","sentiment_score":0.24058047465739713,"channel":0,"num_words":31,"start":1249.1749,"end":1260.7201},{"sentences":[{"text":"Yep.","start":1260.6951,"end":1261.1951,"sentiment":"neutral","sentiment_score":0.08432706445455551}],"sentiment":"neutral","sentiment_score":0.08432706445455551,"channel":1,"num_words":1,"start":1260.6951,"end":1261.1951},{"sentences":[{"text":"the last document was just a compliance form","start":1260.7201,"end":1263.52,"sentiment":"neutral","sentiment_score":0.06837994512170553}],"sentiment":"neutral","sentiment_score":0.06837994512170553,"channel":0,"num_words":8,"start":1260.7201,"end":1263.52},{"sentences":[{"text":"Yeah.","start":1263.36,"end":1263.86,"sentiment":"neutral","sentiment_score":0.14753961563110352}],"sentiment":"neutral","sentiment_score":0.14753961563110352,"channel":1,"num_words":1,"start":1263.36,"end":1263.86},{"sentences":[{"text":"just to say we are keeping your tax phone number secure and safe on file.","start":1263.52,"end":1267.38,"sentiment":"neutral","sentiment_score":0.2886757214864095},{"text":"So pretty straightforward, and I have seen that that signature","start":1267.76,"end":1270.9,"sentiment":"neutral","sentiment_score":0.30277915894985197}],"sentiment":"neutral","sentiment_score":0.2943170964717865,"channel":0,"num_words":25,"start":1263.52,"end":1270.9},{"sentences":[{"text":"No.","start":1270.7175,"end":1271.2175,"sentiment":"neutral","sentiment_score":0.10444622486829758}],"sentiment":"neutral","sentiment_score":0.10444622486829758,"channel":1,"num_words":1,"start":1270.7175,"end":1271.2175},{"sentences":[{"text":"has come back to me, so thank you so much for that.","start":1270.9601,"end":1274.795,"sentiment":"positive","sentiment_score":0.4046980453034242},{"text":"It's all saved for you as well.","start":1275.975,"end":1277.415,"sentiment":"positive","sentiment_score":0.4564248834337507},{"text":"So if you ever wanna go back when you have a bit more time to have a bit of a read over it, it's all there for you.","start":1277.415,"end":1282.935,"sentiment":"neutral","sentiment_score":0.2537186262863023},{"text":"If for some reason you can't access it, just let me know, and I can always email them through you as well.","start":1282.935,"end":1287.54,"sentiment":"neutral","sentiment_score":0.08646123128181155}],"sentiment":"neutral","sentiment_score":0.24721187466512556,"channel":0,"num_words":69,"start":1270.9601,"end":1287.54},{"sentences":[{"text":"Yeah.","start":1287.835,"end":1288.1549,"sentiment":"neutral","sentiment_score":0.13543111085891724},{"text":"No worries.","start":1288.1549,"end":1288.815,"sentiment":"neutral","sentiment_score":0.19645386189222336}],"sentiment":"neutral","sentiment_score":0.1761129448811213,"channel":1,"num_words":3,"start":1287.835,"end":1288.815},{"sentences":[{"text":"Yep.","start":1288.9,"end":1289.38,"sentiment":"neutral","sentiment_score":0.2888479232788086},{"text":"Perfect.","start":1289.38,"end":1289.86,"sentiment":"positive","sentiment_score":0.571733832359314},{"text":"Now, Wayne, do you have any questions for me before I let you go and enjoy the rest of your afternoon otherwise?","start":1289.86,"end":1294.36,"sentiment":"neutral","sentiment_score":0.3122153715653853}],"sentiment":"neutral","sentiment_score":0.32205499708652496,"channel":0,"num_words":24,"start":1288.9,"end":1294.36},{"sentences":[{"text":"No.","start":1294.9,"end":1295.14,"sentiment":"neutral","sentiment_score":-0.10432454198598862},{"text":"That's it.","start":1295.14,"end":1295.88,"sentiment":"neutral","sentiment_score":-0.08699969574809074}],"sentiment":"neutral","sentiment_score":-0.0927746444940567,"channel":1,"num_words":3,"start":1294.9,"end":1295.88},{"sentences":[{"text":"No.","start":1295.86,"end":1296.36,"sentiment":"neutral","sentiment_score":-0.05836927145719528},{"text":"Beautiful.","start":1296.5,"end":1296.98,"sentiment":"neutral","sentiment_score":0.05661835893988609},{"text":"Well, thank you so much for your time today.","start":1296.98,"end":1299.4,"sentiment":"positive","sentiment_score":0.8320163488388062},{"text":"I'll keep a lookout for your email for that investment switch, and then let","start":1299.62,"end":1304.095,"sentiment":"positive","sentiment_score":0.4181078587259565}],"sentiment":"positive","sentiment_score":0.5335962499678135,"channel":0,"num_words":25,"start":1295.86,"end":1304.095},{"sentences":[{"text":"Yep.","start":1303.9401,"end":1304.4401,"sentiment":"neutral","sentiment_score":0.20586806535720825}],"sentiment":"neutral","sentiment_score":0.20586806535720825,"channel":1,"num_words":1,"start":1303.9401,"end":1304.4401},{"sentences":[{"text":"me know how you go with those beneficiary forms for your super as well if something would happen.","start":1304.095,"end":1308.515,"sentiment":"positive","sentiment_score":0.3748370475239224}],"sentiment":"positive","sentiment_score":0.3748370475239224,"channel":0,"num_words":18,"start":1304.095,"end":1308.515},{"sentences":[{"text":"Yeah.","start":1308.955,"end":1309.455,"sentiment":"neutral","sentiment_score":0.21939966082572937}],"sentiment":"neutral","sentiment_score":0.21939966082572937,"channel":1,"num_words":1,"start":1308.955,"end":1309.455},{"sentences":[{"text":"Okay.","start":1310.095,"end":1310.495,"sentiment":"positive","sentiment_score":0.33623945713043213},{"text":"Beautiful.","start":1310.495,"end":1310.975,"sentiment":"positive","sentiment_score":0.8012760877609253}],"sentiment":"positive","sentiment_score":0.5687577724456787,"channel":0,"num_words":2,"start":1310.095,"end":1310.975},{"sentences":[{"text":"Awesome.","start":1310.875,"end":1311.375,"sentiment":"positive","sentiment_score":0.8388913869857788}],"sentiment":"positive","sentiment_score":0.8388913869857788,"channel":1,"num_words":1,"start":1310.875,"end":1311.375},{"sentences":[{"text":"Thank you so much, Wayne.","start":1310.975,"end":1312.095,"sentiment":"positive","sentiment_score":0.8579734802246094},{"text":"Anything you need, just give me a call.","start":1312.095,"end":1314.115,"sentiment":"positive","sentiment_score":0.5329079106450081}],"sentiment":"positive","sentiment_score":0.6579331297140855,"channel":0,"num_words":13,"start":1310.975,"end":1314.115},{"sentences":[{"text":"Thanks, mate.","start":1314.315,"end":1315.215,"sentiment":"positive","sentiment_score":0.74595507979393}],"sentiment":"positive","sentiment_score":0.74595507979393,"channel":1,"num_words":2,"start":1314.315,"end":1315.215},{"sentences":[{"text":"Thanks.","start":1315.8829,"end":1316.3629,"sentiment":"positive","sentiment_score":0.7169145345687866},{"text":"Bye.","start":1316.3629,"end":1316.8629,"sentiment":"positive","sentiment_score":0.42919108271598816}],"sentiment":"positive","sentiment_score":0.5730528086423874,"channel":0,"num_words":2,"start":1315.8829,"end":1316.8629},{"sentences":[{"text":"Yeah.","start":1316.875,"end":1317.375,"sentiment":"neutral","sentiment_score":0.2722737193107605}],"sentiment":"neutral","sentiment_score":0.2722737193107605,"channel":1,"num_words":1,"start":1316.875,"end":1317.375},{"sentences":[{"text":"Bye.","start":1317.9629,"end":1318.4629,"sentiment":"neutral","sentiment_score":0.23861411213874817}],"sentiment":"neutral","sentiment_score":0.23861411213874817,"channel":0,"num_words":1,"start":1317.9629,"end":1318.4629},{"sentences":[{"text":"Yeah.","start":1319.9054,"end":1320.4054,"sentiment":"neutral","sentiment_score":-0.102463036775589}],"sentiment":"neutral","sentiment_score":-0.102463036775589,"channel":1,"num_words":1,"start":1319.9054,"end":1320.4054}]},"summary":{"result":"success","short":"The representative discusses the customer's financial situation, employment, income, and personal information, and provides guidance on navigating their retirement plans and accessing their super. They emphasize the importance of maintaining a stable portfolio and being mindful of market fluctuations. The speaker also discusses various investment options and offers to answer any questions. They end the conversation with well wishes and a request to change their investment portfolio for a better fit."},"intents":{"segments":[{"text":"I have Wayne Suby on the phone for his appointment. Is it too late?","start_word":54,"end_word":67,"intents":[{"intent":"Schedule appointment","confidence_score":0.5986019}]},{"text":"Now what I will do first is just to run through a bit of an updated fact plan with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice.","start_word":347,"end_word":390,"intents":[{"intent":"Update fact plan","confidence_score":0.17759465}]},{"text":"When did you guys get married? December.","start_word":433,"end_word":439,"intents":[{"intent":"Congratulate on marrying","confidence_score":0.04412557}]},{"text":"And I do also have here next up, Ken, your son, William, I believe, if something would happen to you to give him a call. That's still the case?","start_word":443,"end_word":471,"intents":[{"intent":"Determine future contact","confidence_score":0.0011478004}]},{"text":"What are you working for someone now? No. Yep. Okay.","start_word":531,"end_word":540,"intents":[{"intent":"Confirm job status","confidence_score":0.0028825093}]},{"text":"Now I have here income at around 50,000 that you pay yourself. Is that still the case? Yeah.","start_word":571,"end_word":588,"intents":[{"intent":"Ask about income and company structure","confidence_score":0.0011279965}]},{"text":"So when you have a moment, see if you can get those forms completed. Yeah.","start_word":984,"end_word":998,"intents":[{"intent":"Complete forms","confidence_score":0.57531285}]},{"text":"Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, I have Yep. here that your main focus right now is kind of just to pay down the mortgage as much Yep. as possible.","start_word":1022,"end_word":1065,"intents":[{"intent":"Pay mortgage","confidence_score":0.3228812}]},{"text":"And when it comes to superannuation as well, are you still planning on accessing super around 67, or do you think you'd retire a bit earlier? Wait.","start_word":1081,"end_word":1107,"intents":[{"intent":"Access super","confidence_score":0.97888744},{"intent":"Access super","confidence_score":0.047477268},{"intent":"Apply for retirement","confidence_score":0.0021026453}]},{"text":"Can you retire early or retire now? Well, you can retire now, but you can't access your super until you turn 60.","start_word":1108,"end_word":1129,"intents":[{"intent":"Obtain retirement benefits","confidence_score":0.005580159}]},{"text":"Now I can also see here that you don't have any insurances at the moment. You're still happy without insurances? Yeah.","start_word":1315,"end_word":1335,"intents":[{"intent":"Check insurance status","confidence_score":0.010461796}]},{"text":"And do you have access to your emails at the moment, Wayne, or is it kind of a a bit on the go for you right now?","start_word":1337,"end_word":1363,"intents":[{"intent":"Access email","confidence_score":0.28079778}]},{"text":"What is my you got my do you access my balance there? Yes.","start_word":1425,"end_word":1437,"intents":[{"intent":"Access superannuation balance","confidence_score":0.592615}]},{"text":"new software.","start_word":1492,"end_word":1493,"intents":[{"intent":"Check software","confidence_score":0.10457855}]},{"text":"Now the first document there, does it say super summary for you? Does it show Approximate benefit. So Yes.","start_word":1501,"end_word":1519,"intents":[{"intent":"Confirm super summary","confidence_score":0.055742607}]},{"text":"So when we did your last annual review, Yeah. it was at a 111,416. Good So, yeah, it's it's gone up quite decent, which is actually really good given what's happened in the market.","start_word":1576,"end_word":1609,"intents":[{"intent":"Get annual review","confidence_score":0.04374473}]},{"text":"So let's do high not super, super high, but more than moderate.","start_word":1884,"end_word":1895,"intents":[{"intent":"Evaluate investment options","confidence_score":0.09111976}]},{"text":"Next one is in regards to fluctuations again. So if you saw your superannuation, like, in the last twelve months or during COVID, saw a bit of fluctuation, flux so drop, would you say that you would feel optimistic about potential opportunities, Kind of a bit neutral, like, wouldn't bother you too much, not invest more, but you understand that's part of the market, or would Yeah.","start_word":2023,"end_word":2089,"intents":[{"intent":"Evaluate superannuation optimism","confidence_score":0.014889064}]},{"text":"see here the different asset classes to the right, how they fluctuate. Now when it comes to the growth portfolio, which you are currently invested in, we have about 80%. So still a pretty decent amount invested in your growth investment. Yep.","start_word":2537,"end_word":2578,"intents":[{"intent":"Consolidate assets","confidence_score":0.00006885155}]},{"text":"Now there is one investment that I would like to look at changing for you, Yeah.","start_word":2758,"end_word":2773,"intents":[{"intent":"Evaluate investment options","confidence_score":0.01594824}]},{"text":"Now the other documents there for you is and you don't have to look at them now because they're quite long. It is another services guide.","start_word":3066,"end_word":3091,"intents":[{"intent":"Inquire about documents","confidence_score":0.0021781127}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Veronica.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.21176335215568545},{"text":"Happy birthday.","start_word":3,"end_word":4,"sentiment":"positive","sentiment_score":0.5703913569450378},{"text":"No.","start_word":5,"end_word":5,"sentiment":"neutral","sentiment_score":0.31337690353393555},{"text":"Thank you very much. How's your day going? Oh, good. Busy. Busy. Good. But good.","start_word":6,"end_word":20,"sentiment":"positive","sentiment_score":0.4545503556728363},{"text":"Yeah. You?","start_word":21,"end_word":22,"sentiment":"neutral","sentiment_score":0.2841476798057556},{"text":"That's good.","start_word":23,"end_word":24,"sentiment":"positive","sentiment_score":0.5172461867332458},{"text":"Yeah. Not too bad. Me and sort of Dana have been keeping an an eye on, Paul Monahan's account, which Fun. has given us some grief, but that's okay. I have Wayne Suby on the phone for his appointment. Is it too late? Or No. I can I can do it just so we can get okay. him out? Just Yeah. let me get everything up for you. Okay. No worries. Take your time. I Let's did see. ask him if now was a good time, and he said, yep. Now's a fine time. He's ready to go Okay. if you were fine to do it, and then I just passed him through security as well. Okay.","start_word":25,"end_word":141,"sentiment":"neutral","sentiment_score":0.04350348562002182},{"text":"Beautiful.","start_word":142,"end_word":142,"sentiment":"positive","sentiment_score":0.3996908962726593},{"text":"Let me just get all these documents up. Should've kept it up. I normally only keep it up for, like, twenty minutes, and then I'm like, oh, they're not gonna call back. Yeah. Yeah. I know. Well, when I got the call in, I was like, this can't be that guy that Veronica asked for. Half an hour later, buddy. But Yeah. no. All good. I'll I'll get him done. You can and he's at past security, did you say? Yeah. He's past securities. Yeah.","start_word":143,"end_word":227,"sentiment":"neutral","sentiment_score":-0.007076397072523832},{"text":"Beautiful.","start_word":228,"end_word":228,"sentiment":"positive","sentiment_score":0.34720978140830994},{"text":"You can send him through when you're ready. Okay. Perfect. In 321, you have Wayne. Good afternoon, Wayne. This is Ronka speaking. Hey, Garth. Yeah. Good.","start_word":229,"end_word":254,"sentiment":"neutral","sentiment_score":0.15247958898544312},{"text":"Thanks.","start_word":255,"end_word":255,"sentiment":"positive","sentiment_score":0.39968281984329224},{"text":"How are you?","start_word":256,"end_word":258,"sentiment":"neutral","sentiment_score":0.2569023370742798},{"text":"Good. Thanks. That's good. Thanks for calling me back.","start_word":259,"end_word":267,"sentiment":"positive","sentiment_score":0.4864749610424042},{"text":"No worries. You still have time to go over your interview now? Yep. Yeah.","start_word":268,"end_word":281,"sentiment":"neutral","sentiment_score":0.12305186688899994},{"text":"Perfect.","start_word":282,"end_word":282,"sentiment":"positive","sentiment_score":0.34350988268852234},{"text":"And now before I do kind of jump into things, I do usually like to start by asking if there is anything specific that you are wanting to address today or any particular questions or whether it's just a bit of an update and see where everything's at. Yeah. Nothing more in. Yeah. Just just usual. Just a bit of an update. Yeah.","start_word":283,"end_word":345,"sentiment":"neutral","sentiment_score":0.06028619781136513},{"text":"Perfect.","start_word":346,"end_word":346,"sentiment":"positive","sentiment_score":0.5899940729141235},{"text":"Now what I will do first is just to run through a bit of an updated fact plan with you just to see if there is anything major that has changed in your life, if we need to make any changes to your advice. So just bear with me as I go through this information. Now Wayne, when it comes to your personal information, I have you down here as that you are engaged with no financial dependent. Is that correct? Married. Yeah. Married?","start_word":347,"end_word":430,"sentiment":"neutral","sentiment_score":0.11333519965410233},{"text":"Oh, congratulations.","start_word":431,"end_word":432,"sentiment":"positive","sentiment_score":0.3656216263771057},{"text":"When did you guys get married? December. Oh, yeah.","start_word":433,"end_word":441,"sentiment":"neutral","sentiment_score":0.1600216031074524},{"text":"Nice.","start_word":442,"end_word":442,"sentiment":"positive","sentiment_score":0.4463474154472351},{"text":"And I do also have here next up, Ken, your son, William, I believe, if something would happen to you to give him a call. That's still the case? Yeah. Yep. Perfect. And his phone number hasn't changed in the last twelve months. It still ends on 633? Yep. Perfect. Yes. Two phones. Now occupation wise, has any of that changed, or are you still No. That's all fine. all the same, beautiful, still working, self employed, sole trader, all the same? Fine. I was trying to Yeah. What are you working for someone now? No. Yep. Okay. So I just changed from company self employed sorry. Sole trader to company structure? Yeah. And do you have a few people working for you? Yes. No. Just you? Yep. Now I have here income at around 50,000 that you pay yourself. Is that still the case? Yeah. Just leave it at that. Just leave that at. Yep. And, obviously, with the the company structure as well, are you paid, like, a wage? So do you get super contribution as well, or how is that all No. structured for you? No. No. Okay. Is that something you are looking at doing or not really right now?","start_word":443,"end_word":646,"sentiment":"neutral","sentiment_score":0.017519638307538686},{"text":"No.","start_word":647,"end_word":647,"sentiment":"negative","sentiment_score":-0.34353241324424744},{"text":"No. That's all good. Assets wise, I have here you your property last was right at about 480,000. Is that still the case, or do you know if that's gone up a little bit or changed? Yeah. It's about that. About that?","start_word":648,"end_word":689,"sentiment":"neutral","sentiment_score":-0.02817767858505249},{"text":"Perfect.","start_word":690,"end_word":690,"sentiment":"positive","sentiment_score":0.3387448787689209},{"text":"And mortgage about $3.60? Yeah. Yeah. Yeah.","start_word":691,"end_word":697,"sentiment":"neutral","sentiment_score":0.116798534989357},{"text":"Perfect.","start_word":698,"end_word":698,"sentiment":"positive","sentiment_score":0.4018282294273377},{"text":"I also have here that you have three motor vehicles combined valued at about 60,000. Yep. And you do have about 30 owing in total. Yes. Yes. Yep. Any other new assets, Wayne, in the last twelve months? Any other motor vehicles or No. boats or bikes? No. Any other liabilities, like personal loans, credit cards, ZipPay? No. No. Right. Health and lifestyle wise, still a nonsmoker? Yep. Yep. And have you had any changes to your health or injuries or anything in the last twelve months? No. No. That's great. Estate planning wise, do you have a will or power of attorney in place? No. No. And for your superannuation, so in the event that something ever were to happen to you, we don't currently have a nomination on file. Yeah. Do Yeah. you know Yeah. who you would like to receive that benefit if something were to happen to you? Is that something you can put down now? No. I don't have to. Right. Sorry. Because you I've will have to make a legal I've got nomination. that I've got that nomination form here. Oh, beautiful. But, yeah, is there something you can put down or not? No. Because it Alright. is making a legal nomination, so you have to get it witnessed website Alright. and send it back. Alright. Alright. The re the reason I did ask is because the the superannuation has pretty strict regulation of who you can nominate. So I just wanted to make sure that the person you are thinking is actually a valid nomination. Alright. It'll either be my wife or my son. Yeah. No.","start_word":699,"end_word":971,"sentiment":"neutral","sentiment_score":-0.011607111895613836},{"text":"Which is perfectly fine. That's all a valid nomination, which is great.","start_word":972,"end_word":983,"sentiment":"positive","sentiment_score":0.6118104457855225},{"text":"So when you have a moment, see if you can get those forms completed. Yeah. Send it back to us, and then I'll get that sorted with Hub twenty four, your super fund for you. Yep. Yep.","start_word":984,"end_word":1020,"sentiment":"neutral","sentiment_score":0.27602657675743103},{"text":"Perfect.","start_word":1021,"end_word":1021,"sentiment":"positive","sentiment_score":0.6278956532478333},{"text":"Now when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, I have Yep. here that your main focus right now is kind of just to pay down the mortgage as much Yep. as possible. Is that still kind of the the plan The for you? client printer? Yes. Yep. And when it comes to superannuation as well, are you still planning on accessing super around 67, or do you think you'd retire a bit earlier? Wait. Can you retire early or retire now? Well, you can retire now, but you can't access your super until you turn 60. Ah, so So I'm retired when I'm 60, so I can access my super. correct. If you stop working at 60, you can get everything completely tax free. Alright. If you stop working. Yeah. If you're still working, there is certain agreements under a transition to retirement where you can access up to 10% tax free between 60 and 65. But if Yeah. you do, you know, want to get some of that before 60, I'll just put a put a change here that, ideally, you wanna retire at 60. I'm trying to get you through your super retirement goals by then. And, yeah, if you decide to work longer, then you'll have more. Yeah. Yeah. Yeah. Perfect. Now most people Yeah. think you're 67 because it's that's when if you're eligible for age pension, that's when that kick in. So the only Yeah. little thing is, obviously, if you if you, you know, turn 60 and take out your whole super, spend it all, and then age pension won't be till 67. That's the only thing to be mindful of. Yeah. Yeah. Yep.","start_word":1022,"end_word":1313,"sentiment":"neutral","sentiment_score":0.06753776498036841},{"text":"Perfect.","start_word":1314,"end_word":1314,"sentiment":"positive","sentiment_score":0.5617866516113281},{"text":"Now I can also see here that you don't have any insurances at the moment. You're still happy without insurances? Yeah. Yeah. And do you have access to your emails at the moment, Wayne, or is it kind of a a bit on the go for you right now? Right. Just a second while I what's that? Because I've sent you some documents just to kind of quickly go through and get your signature if you're happy with it. If you Yep. have a moment to get that up for me. If you can't, you can always do it after the call when you have time. It's up to you. What is my you got my do you access my balance there? Yes. So My part info. of the document is it shows you your superannuation balance. It shows you your performance. Also shows you, some other documents as well that I do quickly wanna run through if you have, access to it. It could also end up in spam because we have just changed your Okay. new software. No. I got a list. Oh, beautiful. Now the first document there, does it say super summary for you? Does it show Approximate benefit. So Yes. what are you saying? Correct. Correct. Yep. So 100 your super balance? 140. and hundred and 40. Yep. 140,467. Hi. And, Louis, what was the last four, Janice? I can get You better it up let for me? you. Yeah. Just bear with me, and let me get that for you. Sorry. It's just loading. Yep. So when we did your last annual review, Yeah. it was at a 111,416.","start_word":1315,"end_word":1589,"sentiment":"neutral","sentiment_score":0.03946927562355995},{"text":"Good So, yeah, it's it's gone up quite decent, which is actually really good given what's happened in the market.","start_word":1590,"end_word":1609,"sentiment":"positive","sentiment_score":0.5714477300643921},{"text":"job. So you probably have Not wrong. you probably have seen, obviously, in the market or heard on the news that are fluctuations and everything Yeah. the last twelve So months so or the last so according to I think last time we picked what risk I wanted to take. Risk level or whatever. You know what I'm correct. talking about? Yes. I do. So Yes. we're gonna do that again? Or Yes.","start_word":1610,"end_word":1682,"sentiment":"neutral","sentiment_score":0.016596505418419838},{"text":"If you're happy to just go through a couple of questions just to determine how you feel and if it's still appropriate for you.","start_word":1683,"end_word":1706,"sentiment":"positive","sentiment_score":0.34817492961883545},{"text":"Yeah. I reckon. Yep. Now have you ever more have you ever bought direct shares yourself on the stock market, Wayne? Yep. No.","start_word":1707,"end_word":1729,"sentiment":"neutral","sentiment_score":0.12984293699264526},{"text":"Perfect.","start_word":1730,"end_word":1730,"sentiment":"positive","sentiment_score":0.36424174904823303},{"text":"And when it actually comes through a level of risk that you are comfortable with for your superannuation, would you say that you are willing to take very high risk, high risk moderate, or a small amount of risk in order to try and make sure your superannuation continues to grow as well. What do you know what I put last on? Yes. You put high, not super high, but a little bit more than moderate. Can I push it another one then? We can have a look. So these all these questions here give me a bit of an indication of how you feel. So we'll go through all of these questions and see where you Yep. come out because the one thing to also be mindful of is capital gains tax and stuff with making changes. So and also Alright. time frame. So let me have a look here for you. So let's do high not super, super high, but more than moderate. And when it comes to fluctuations in the market, now if you were to place an investment, and let's say after six months, you found out that your portfolio has decreased in value by 20% due to what is happening in the market, so not like one particular investment, just the market as a whole, Would you, if you had the option to do so, put a little bit more money in while the prices are down, or would you kind of just hold and wait to see Yes. what happens, or would you want to sell and buy something a little bit more secure, but that means you are then selling when the prices have dropped? No. I'm I'm willing to hold. Hold. Yep.","start_word":1731,"end_word":2020,"sentiment":"neutral","sentiment_score":0.020502718923420742},{"text":"Perfect.","start_word":2021,"end_word":2021,"sentiment":"positive","sentiment_score":0.4093770682811737},{"text":"Yeah. Next one is in regards to fluctuations again. So if you saw your superannuation, like, in the last twelve months or during COVID, saw a bit of fluctuation, flux so drop, would you say that you would feel optimistic about potential opportunities, Kind of a bit neutral, like, wouldn't bother you too much, not invest more, but you understand that's part of the market, or would Yeah.","start_word":2022,"end_word":2089,"sentiment":"neutral","sentiment_score":0.0772918313741684},{"text":"it make you feel very concerned or anxious?","start_word":2090,"end_word":2097,"sentiment":"negative","sentiment_score":-0.3527475595474243},{"text":"This is part of the part of the Part deal, of the isn't process? it? Yep. Perfect. And last one here is in regards to borrowing money. So would you ever consider taking out a loan to buy stocks on the stock market? No. Would you consider taking out a loan to buy an investment property? No. No. No. I don't Or think just so. just for your own house Yeah. like you have? Yeah. Perfect. I'm a Grady man. I just wanna fucking As long as you got your house, then, yeah, you're good. I'm a Macaran. Yeah. Now, Wayne, that tells me here that you have come out as a growth investor, and that does align with your current portfolio. So just so that you know on the scale of things as well, it is still Yep. a portfolio where you are focusing on getting as much growth as you possibly can out of your super. So it's not like you're defensive. It's not like your balance growth. It's still very much a portfolio where you Yes. are focusing on growing it. Right. There will be some fluctuations in Oh, the okay. short term, though. Yeah. And when we are talking about how the money is invested, you still had about 80% invested in what we call your growth assets. Now Right. if Yeah. you could go back to the email for me and have a look. So the next one you will see is your performance with IRR. Can you see that one? Should be the second one. If you press next or scroll down. Saw in request. Yes. But It's you should a be TV able kit. to see the other doc What's that? certificate. What can you see at the moment? Does The it hallways say of that you attachments. yes. So which attachments are you looking at? All of them. Which one do you want me to look No. at? If you could look at the one that's red, there should be one that has, like, a it's called a Vanguard index chart. It should be like a graph. I'll have If to say, not, but it's not okay. No. That's it's yeah. okay. I've gotta hear you. Oh, you got it?","start_word":2098,"end_word":2475,"sentiment":"neutral","sentiment_score":0.021653031970980383},{"text":"Beautiful.","start_word":2476,"end_word":2476,"sentiment":"positive","sentiment_score":0.43579724431037903},{"text":"Yeah.","start_word":2477,"end_word":2477,"sentiment":"neutral","sentiment_score":0.278467059135437},{"text":"So that one here, it is it is good because it gives us a visual representation of the market.","start_word":2478,"end_word":2496,"sentiment":"positive","sentiment_score":0.4680916666984558},{"text":"Now Vanguard does publish this every single year at the end of the financial year, so the next one's due to come out soon. But it shows us kind of long term with the market. So you can actually Yeah. see here the different asset classes to the right, how they fluctuate. Now when it comes to the growth portfolio, which you are currently invested in, we have about 80%. So still a pretty decent amount invested in your growth investment. Yep. Now what they are Yep. are the top four. So you can see your US shares, which is, like, the light green line, Australian shares, which is, like, the the dark green, international shares with yellow, and then Prosperity, which is, like, your maroon color. Now you can see here that these are the ones that grow the most, so they will do that for your Yep. super, but they also Yep. fluctuate as well. And then you have about 20 in, like, the bottom three. So they're a little bit more defensive. Limit fluctuation and little bit, but the main focus is to grow your superannuation. Yeah. Yeah. So I'm with you. from a, yeah, Yes.","start_word":2497,"end_word":2695,"sentiment":"neutral","sentiment_score":0.1322316396326276},{"text":"so from a time frame and where things are at, I think the growth one that you are in is still quite good given, Yes. you know, with the market and everything, it's doing well for you, and it has gone up in the last twelve months despite all fluctuations and everything like that. So it's doing Yep. good, which is good.","start_word":2696,"end_word":2757,"sentiment":"positive","sentiment_score":0.49514058232307434},{"text":"Now there is one investment that I would like to look at changing for you, Yeah. and that is your Benelung Australian Equities. Now all of your other investments by quite a bit this last twelve months, but the Bennelong was underperforming a little bit. And if there is Yeah. an investment that is Yeah. underperforming and we don't foresee it come back around, we also want to be proactive with your investments and Yeah. swapping it out for something that book more suitable for you moving forward. So what the investment committee because we research the investments all the time is we have found another option suitable for swapping your Ben along. So you're swapping one Australian investment to another Australian investment. But the one Yeah. we're looking at swapping through, it's called your beta shares a 200. Basically, Alright. what it is, it invests in the 200 largest companies listed in Australia. So you have all your big banks. You will have your Woolworths, mining. You'll have all the big companies, so it gives you a broad range of diversification. It is a little bit cheaper than the Bennelong investment you currently have, and it has performed a little bit better. So are you Yeah. are you happy for us? Yeah.","start_word":2758,"end_word":2970,"sentiment":"neutral","sentiment_score":0.06284511089324951},{"text":"Perfect.","start_word":2971,"end_word":2971,"sentiment":"positive","sentiment_score":0.3791174292564392},{"text":"Yeah. So what I what I will do, you don't have to sign this document, is that probably sometime early next week, I will send Yeah. you an email with it's Yeah. just called a record of advice. All that is is referring back to this investment change to say that we have made Yeah. one change to your investment, which has been along for the a 200 just for your reference so that you have the document, but you don't need to sign it or anything like that. Yeah. No worries.","start_word":2972,"end_word":3063,"sentiment":"neutral","sentiment_score":0.0742226924099352},{"text":"Yep. Perfect.","start_word":3064,"end_word":3065,"sentiment":"positive","sentiment_score":0.5318440794944763},{"text":"Now the other documents there for you is and you don't have to look at them now because they're quite long. It is another services guide. So another financial services guide. It's the same kind of you would have seen every year. Just a bit Yeah. of an updated version. But it gives you all the important information regarding us here at OQ. If you do go back and have a bit of a read over it, you'll also see myself there on page 10. If you ever wanna put a face to the voice, all the Yep. directors and all advisers is in there for you. And Alright. then the documents that it did ask you to sign, there was two documents. One was an ongoing service agreement, which was just to say that you were happy to stay on as a client. Now when there is no changes to the fee structure, that stays exactly the same at Yep. 1.65 from super. No changes, and it's never a lock in contract. But this just lets us manage your account and your investments and everything for you in the meantime. And Yep. the last document was just a compliance form Yeah. just to say we are keeping your tax phone number secure and safe on file. So pretty straightforward, and I have seen that that signature No.","start_word":3066,"end_word":3293,"sentiment":"neutral","sentiment_score":0.2023516744375229},{"text":"has come back to me, so thank you so much for that. It's all saved for you as well.","start_word":3294,"end_word":3312,"sentiment":"positive","sentiment_score":0.4217652976512909},{"text":"So if you ever wanna go back when you have a bit more time to have a bit of a read over it, it's all there for you. If for some reason you can't access it, just let me know, and I can always email them through you as well. Yeah. No worries. Yep.","start_word":3313,"end_word":3366,"sentiment":"neutral","sentiment_score":0.1880408078432083},{"text":"Perfect.","start_word":3367,"end_word":3367,"sentiment":"positive","sentiment_score":0.571733832359314},{"text":"Now, Wayne, do you have any questions for me before I let you go and enjoy the rest of your afternoon otherwise? No. That's it. No. Beautiful.","start_word":3368,"end_word":3394,"sentiment":"neutral","sentiment_score":0.21049195528030396},{"text":"Well, thank you so much for your time today. I'll keep a lookout for your email for that investment switch, and then let Yep. me know how you go with those beneficiary forms for your super as well if something would happen.","start_word":3395,"end_word":3436,"sentiment":"positive","sentiment_score":0.47367313504219055},{"text":"Yeah.","start_word":3437,"end_word":3437,"sentiment":"neutral","sentiment_score":0.21939966082572937},{"text":"Okay. Beautiful. Awesome. Thank you so much, Wayne. Anything you need, just give me a call. Thanks, mate. Thanks. Bye.","start_word":3438,"end_word":3457,"sentiment":"positive","sentiment_score":0.6553528904914856},{"text":"Yeah. Bye. Yeah.","start_word":3458,"end_word":3460,"sentiment":"neutral","sentiment_score":0.2313717156648636}],"average":{"sentiment":"neutral","sentiment_score":0.09555018759734556}}}}