{"metadata":{"transaction_key":"deprecated","request_id":"019dd839-7d28-7173-a262-4ed948291d3f","sha256":"04f3511bece9d4f552c85efefb3b367862a155a35fee36a6d7d52600841af049","created":"2026-04-29T07:52:22.047Z","duration":1204.704,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4462,"output_tokens":89},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4919,"output_tokens":4929},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4919,"output_tokens":550}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. Is this Carla? This is Veronica from x u Financial. How are you? That's good. I had your booked in to go over your annual review. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? That's okay. And just address this up, please. Yep. Perfect. That's exactly what I have here. How's your day been? Been busy? How's your day been so far? Been busy? Well, I will try my best to make this quick for you and not keep you on the phone for too long. Before I do kind of jump in, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on? Mhmm. Oh, yep. Perfect. So salary sacrificing a little bit. Correct. It does. Do you know how much you would like to put in at all? Yeah. That's good. And it is yeah. And it is something that you can kind of stop and start whenever you want to with employer as well, so if your situation ever change or cash flow or anything like that change. And is your income about 90,000, or did that change? Yeah. Because even paycalculator.com.au, have you ever used that? No. It is a really good website where you can kind of play around with different amounts to see how a how much tax is saved and how much extra super you get. And when you do go so you can see yeah. And it is good. Yeah. And I can even do that for you. So if on a weekly, you're looking at $50, in income tax saving in a year, it will be about $832. And then you have net tax savings because contributions going into super are still taxed, but it is taxed concessionally at 15%, which is obviously a lot less than your marginal tax rate, which is at the 30. So that's why you do save a bit on on the tax, and at the same time, you do boost superannuation. So the net tax savings is 442. So it does make a bit of a difference. And then, obviously, the the money that you do put into super then accumulates and compounds as well. And it will be Yep. And I can and I can kind of run through a bit of that with you today. And so just for your reference, if you do put about $50 a week in, it's about 2,600 a year. So it does make a bit of a difference, plus, obviously, your employer putting about 10,800 in if they pay just that standard 12%. So it does make a bit of a difference. Now just quickly run through a bit of a fact fund with you as well to see if there's anything else that has changed for you before I kind of go into your superannuation performance and what's happened in the last twelve months. So kind of bear with me as I go through this, and I'll try to make it quick for you. Now when it comes to your personal details, I have you down here as married with no financial dependent. Is that correct? Perfect. And next up, can I have Carla nominated? Is that still the case as well? Yep. Beautiful. Now employment wise, as you're still working as a service technician, none of that's changed. Perfect. Asset wise, I have your property was lost by at about 600,000. Is that still roughly the case as well? No. That's okay. At least. Okay. And do you have about $2.50 owing on the mortgage? Roughly? Perfect. And I also have here three motor vehicles. One valued at about 25, and the other two combined about 10. Yep. Perfect. And also about 1,500 is an offset account. Yep. Any other assets that's changed? It's not perfect. Any other liabilities, like personal loans, credit card, ship pay, all the same? Perfect. Health and lifestyle line? Yep. Oh, that's good. That's really good. And health and lifestyle wise, so have you here as a nonsmoker, but still the case as well? Perfect. Any significant changes to your health or injuries or anything in the site? Beautiful. Nice and easy. Estate planning. Do you have a will in place or a power of attorney or anything like that? Yep. On the to do list. Yep. And Yep. And yes. And so with your super, it doesn't form part of the estate. So with your super, I can see here that you have Carla nominated at a 100%, and it is a valid nomination. So if anything were to happen to you, it would go to her. But you are correct. Obviously, all your other assets, it is good to have a will in place, making sure that your other assets do get distributed according to how you want it. Do you have do you know lack of a lawyer or anything that you okay. Oh, great. Perfect. Yes. Yep. And there are obviously shop around a little bit, but some are cheaper than others. So, yeah, it's good that you have people that you can ask. So on the to do list. Otherwise, kind of goals that you are working towards, I have, obviously, aside from getting the rules sorted that your main focus, otherwise, is just to tryna pay down the mortgages as much as possible before retirement. Is that still kind of the main focus aside from yep. Yes. Yes. Yep. Exactly. And try not to reduce that. Yep. Yeah. No. That that's a good goal. Is there anything else that you're working towards otherwise or is that main focus? Yeah. Yeah. Yeah. And yep. Been a bit of fluctuation in the world the last twelve months. Yes. Yeah. Exactly. It does make a difference. And with that act sorry. Are you still there, Carla? Yeah. No. And with the super as well there for you, I have just sent you an email actually with some documents, and part of that is actually showing what's happened to your portfolio. Do you have access to your emails at the moment? That's okay. Okay. Perfect. So if you're happy for me to do so, I'll just kind of briefly run through the documents. And then later, when you have time, have a look through them. If you have any questions or anything like that, just let me know. But with your super end insurances, see if I'll touch on that one first. So that is one of the attachments I have sent through to you. Now that one shows you your your superannuation at the moment is with Netwealth, and you do have about a $111,568 in there. Now you do have some insurance as well. So you have some insurance with Netwealth. Yeah. And what you have is life insurance and total permanent disability insurance, and that is 479,576. And that you also have an income protection, and that will pay you a monthly amount of 5,413 per month. You have a sixty day waiting period and a two age benefit period of sixty five. For all three, the total premium is 4,950. Are you still happy with the level of cover and stuff that you have for your insurances? Yep. Perfect. Yeah. It gives you the peace of mind if something happens. Yeah. Perfect. Especially the income protection, it does go for to age 65. So so that's that's pretty good. Now the other documents I can have sent there for you is a performance report. Now that one is the one that gives you a bit of an offset on your portfolio. So let me just load that here for you. So kind of like you touched on, we have seen a lot of fluctuations in the market in the last twelve months. First, we obviously had everything in The US and Trump and tariffs and everything, and obviously more recently with the war, everything that's going on. But besides that, though, your portfolio has done really well. So in the last twelve months, after fees, your portfolio is still up by 11%, which we're really happy with. So that is really good. And with that kind of active approach you mentioned as well, we have actually made a switch for you. So I don't know if you saw the email. Let me just check when it was sent to it. You didn't have to sign it or anything, but that was just for your records because it is obviously something we've reset all your investments all the time, making sure that we do have you in the best options possible for what's happening in the world. So for your investment, it is something that we and the investment committee constantly review. So on the March 13, I believe, we sent you an email just letting you know that we have made the decision to make a switch for one of your investments. And that was your Benelon Australian Equities, and we swapped that one because that one was a bit more recently. When you first came on board and up until quite recently, it was doing really well. It was one of their best performing fund managers, and they were doing really, really well. More more recently, kind of underperformed a little bit. And if that is the case, then we don't foresee moving you know, coming back around. We wanna swap it out like you exactly touched on. So we have swapped it out for another one, which is called your beta shares Australia 200. So still focusing on swapping one Australian investment for another one to still give you the diversification throughout your portfolio. But the Benelon Australian equity is a little bit cheaper and have performed a little bit better for you. So moving forward as well, it position you in a better position. So yeah. So that was sent to you. If you do wanna read on a little bit more, there is a bit more information in regards to it, and that was on the March 13. Sometimes it ends up in the spam folder as well. But, yeah, we have made that decision recently to make sure we do have you in the best position. So things are kind of on track at the moment and doing well despite all the stuff going on in the world. So very happy with the way things have happened in the last twelve months. And and now the other documents sorry. With your with your investments as well, we currently have you invested in a growth portfolio. And I know we've kind of gone through that risk profile with you a couple of times, and most of the times you have come out as a as a growth investor there for you. Has any of your risk tolerance or changes or anything happened, or are you still comfortable with the same level of of of risk? We should be good. Yes. Well, look. Yeah. Yes. And that's exactly right. Because where you are right now so in a typical growth portfolio, we do wanna allow at least six years until retirement, making sure you have enough time in the market for those fluctuations because you're still focusing on, you know, growing your super as much as possible while you do still have plenty of time until retirement. There will be some level of fluctuations short term to try and grow that. And asset wise, we're looking at about 80% in your growth investments. So that's, like, your Australian shares, international shares, property, and commodities, and then about 20% in defensive, like, cash, gold, fixed interest as well. So from a time frame point of view, you are still in a good position in that growth. Like you said as well, the closer you do get to retirement, that's when we then wanna potentially look at slowly reducing that a little bit when you have a little bit less time because you don't have the same, you know, capacity for those fluctuations to come back around. Does that all make sense? And you're happy with all that? Yep. Perfect. Now almost at the end, and I will let let you go. The other documents you will see when you have a moment and looking at them, it is just a bit of a breakdown of your insurances, just a bit more information, but lets you know that's all paid and up to date. And then you'll also have an updated financial services guide and an Oakview services guide. You would have seen we've gone through this a couple of times with you. It's just a bit of an updated version. All the important information is still there about us, but it's a bit of an update through to marketing, and we've had a bit of an extension to the team, which is good. So when you do have a look at it, you'll also see me on page 10, I believe, if you do wanna put a face to the voice. Yep. Perfect. Now the last thing is then if you're happy to do so, it will ask you to sign two documents. Now the first one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the ongoing advice fee that stays exactly the same at 1.65, So no changes in regards to the fee structure. And then the last thing is a tax file number form. It's just a compliance form to say we are keeping your tax file number secure on file for you. Do you have any questions in regards to any of those kind of documents at this point there, Carlo? Yep. Okay. Perfect. So when you have a moment, have a look through them. If you have any questions, let me know, or we can always book you in for a bit of a catch up to go through anything. But if you do have a read through it and you're happy with everything and it all makes sense, if you would then wanna press sign now, it will then ask you to sign those two documents, and then it will send it through to me, and I will get the team to get that sorted and updated for you. And I'll make a little note here as well to keep a lookout for that salary sacrifice, and then we should see a little bit more of that compound return for you, which is a good idea. Perfect. Now do you have any other questions or need anything else from me? Okay. Yes. The email? Beautiful. Yep. Yes. Yeah. It makes yeah. It makes a big difference. Exactly. And you're still well under the cap space because that's one thing to be mindful of with the salary sacrifice, is staying under the concessional cap of 30,000, which you are under. So at the moment, you have plenty of space for that, so that is good as well. If anything does change and you decide that you wanna put heaps in, just let me know first so I can run the numbers for you. But, yeah, otherwise, you do have you do have a bit of space for that. Yep. Perfect. Well, thank you so much for your time this afternoon, Paula. I will let you go and enjoy the rest of your afternoon. Thank you so much. We'll speak soon. Okay. 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afternoon. Is this Carla? This is Veronica from x u Financial. How are you? That's good.\n\nI had your booked in to go over your annual review. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes.\n\nPerfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? That's okay. And just address this up, please. Yep.\n\nPerfect. That's exactly what I have here. How's your day been? Been busy? How's your day been so far?\n\nBeen busy? Well, I will try my best to make this quick for you and not keep you on the phone for too long. Before I do kind of jump in, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on? Mhmm. Oh, yep.\n\nPerfect. So salary sacrificing a little bit. Correct. It does. Do you know how much you would like to put in at all?\n\nYeah. That's good. And it is yeah. And it is something that you can kind of stop and start whenever you want to with employer as well, so if your situation ever change or cash flow or anything like that change. And is your income about 90,000, or did that change?\n\nYeah. Because even paycalculator.com.au, have you ever used that? No. It is a really good website where you can kind of play around with different amounts to see how a how much tax is saved and how much extra super you get. And when you do go so you can see yeah.\n\nAnd it is good. Yeah. And I can even do that for you. So if on a weekly, you're looking at $50, in income tax saving in a year, it will be about $832. And then you have net tax savings because contributions going into super are still taxed, but it is taxed concessionally at 15%, which is obviously a lot less than your marginal tax rate, which is at the 30.\n\nSo that's why you do save a bit on on the tax, and at the same time, you do boost superannuation. So the net tax savings is 442. So it does make a bit of a difference. And then, obviously, the the money that you do put into super then accumulates and compounds as well. And it will be Yep.\n\nAnd I can and I can kind of run through a bit of that with you today. And so just for your reference, if you do put about $50 a week in, it's about 2,600 a year. So it does make a bit of a difference, plus, obviously, your employer putting about 10,800 in if they pay just that standard 12%. So it does make a bit of a difference. Now just quickly run through a bit of a fact fund with you as well to see if there's anything else that has changed for you before I kind of go into your superannuation performance and what's happened in the last twelve months.\n\nSo kind of bear with me as I go through this, and I'll try to make it quick for you. Now when it comes to your personal details, I have you down here as married with no financial dependent. Is that correct? Perfect. And next up, can I have Carla nominated?\n\nIs that still the case as well? Yep. Beautiful. Now employment wise, as you're still working as a service technician, none of that's changed. Perfect.\n\nAsset wise, I have your property was lost by at about 600,000. Is that still roughly the case as well? No. That's okay. At least.\n\nOkay. And do you have about $2.50 owing on the mortgage? Roughly? Perfect. And I also have here three motor vehicles.\n\nOne valued at about 25, and the other two combined about 10. Yep. Perfect. And also about 1,500 is an offset account. Yep.\n\nAny other assets that's changed? It's not perfect. Any other liabilities, like personal loans, credit card, ship pay, all the same? Perfect. Health and lifestyle line?\n\nYep. Oh, that's good. That's really good. And health and lifestyle wise, so have you here as a nonsmoker, but still the case as well? Perfect.\n\nAny significant changes to your health or injuries or anything in the site? Beautiful. Nice and easy. Estate planning. Do you have a will in place or a power of attorney or anything like that?\n\nYep. On the to do list. Yep. And Yep. And yes.\n\nAnd so with your super, it doesn't form part of the estate. So with your super, I can see here that you have Carla nominated at a 100%, and it is a valid nomination. So if anything were to happen to you, it would go to her. But you are correct. Obviously, all your other assets, it is good to have a will in place, making sure that your other assets do get distributed according to how you want it.\n\nDo you have do you know lack of a lawyer or anything that you okay. Oh, great. Perfect. Yes. Yep.\n\nAnd there are obviously shop around a little bit, but some are cheaper than others. So, yeah, it's good that you have people that you can ask. So on the to do list. Otherwise, kind of goals that you are working towards, I have, obviously, aside from getting the rules sorted that your main focus, otherwise, is just to tryna pay down the mortgages as much as possible before retirement. Is that still kind of the main focus aside from yep.\n\nYes. Yes. Yep. Exactly. And try not to reduce that.\n\nYep. Yeah. No. That that's a good goal. Is there anything else that you're working towards otherwise or is that main focus?\n\nYeah. Yeah. Yeah. And yep. Been a bit of fluctuation in the world the last twelve months.\n\nYes. Yeah. Exactly. It does make a difference. And with that act sorry.\n\nAre you still there, Carla? Yeah. No. And with the super as well there for you, I have just sent you an email actually with some documents, and part of that is actually showing what's happened to your portfolio. Do you have access to your emails at the moment?\n\nThat's okay. Okay. Perfect. So if you're happy for me to do so, I'll just kind of briefly run through the documents. And then later, when you have time, have a look through them.\n\nIf you have any questions or anything like that, just let me know. But with your super end insurances, see if I'll touch on that one first. So that is one of the attachments I have sent through to you. Now that one shows you your your superannuation at the moment is with Netwealth, and you do have about a $111,568 in there. Now you do have some insurance as well.\n\nSo you have some insurance with Netwealth. Yeah. And what you have is life insurance and total permanent disability insurance, and that is 479,576. And that you also have an income protection, and that will pay you a monthly amount of 5,413 per month. You have a sixty day waiting period and a two age benefit period of sixty five.\n\nFor all three, the total premium is 4,950. Are you still happy with the level of cover and stuff that you have for your insurances? Yep. Perfect. Yeah.\n\nIt gives you the peace of mind if something happens. Yeah. Perfect. Especially the income protection, it does go for to age 65. So so that's that's pretty good.\n\nNow the other documents I can have sent there for you is a performance report. Now that one is the one that gives you a bit of an offset on your portfolio. So let me just load that here for you. So kind of like you touched on, we have seen a lot of fluctuations in the market in the last twelve months. First, we obviously had everything in The US and Trump and tariffs and everything, and obviously more recently with the war, everything that's going on.\n\nBut besides that, though, your portfolio has done really well. So in the last twelve months, after fees, your portfolio is still up by 11%, which we're really happy with. So that is really good. And with that kind of active approach you mentioned as well, we have actually made a switch for you. So I don't know if you saw the email.\n\nLet me just check when it was sent to it. You didn't have to sign it or anything, but that was just for your records because it is obviously something we've reset all your investments all the time, making sure that we do have you in the best options possible for what's happening in the world. So for your investment, it is something that we and the investment committee constantly review. So on the March 13, I believe, we sent you an email just letting you know that we have made the decision to make a switch for one of your investments. And that was your Benelon Australian Equities, and we swapped that one because that one was a bit more recently.\n\nWhen you first came on board and up until quite recently, it was doing really well. It was one of their best performing fund managers, and they were doing really, really well. More more recently, kind of underperformed a little bit. And if that is the case, then we don't foresee moving you know, coming back around. We wanna swap it out like you exactly touched on.\n\nSo we have swapped it out for another one, which is called your beta shares Australia 200. So still focusing on swapping one Australian investment for another one to still give you the diversification throughout your portfolio. But the Benelon Australian equity is a little bit cheaper and have performed a little bit better for you. So moving forward as well, it position you in a better position. So yeah.\n\nSo that was sent to you. If you do wanna read on a little bit more, there is a bit more information in regards to it, and that was on the March 13. Sometimes it ends up in the spam folder as well. But, yeah, we have made that decision recently to make sure we do have you in the best position. So things are kind of on track at the moment and doing well despite all the stuff going on in the world.\n\nSo very happy with the way things have happened in the last twelve months. And and now the other documents sorry. With your with your investments as well, we currently have you invested in a growth portfolio. And I know we've kind of gone through that risk profile with you a couple of times, and most of the times you have come out as a as a growth investor there for you. Has any of your risk tolerance or changes or anything happened, or are you still comfortable with the same level of of of risk?\n\nWe should be good. Yes. Well, look. Yeah. Yes.\n\nAnd that's exactly right. Because where you are right now so in a typical growth portfolio, we do wanna allow at least six years until retirement, making sure you have enough time in the market for those fluctuations because you're still focusing on, you know, growing your super as much as possible while you do still have plenty of time until retirement. There will be some level of fluctuations short term to try and grow that. And asset wise, we're looking at about 80% in your growth investments. So that's, like, your Australian shares, international shares, property, and commodities, and then about 20% in defensive, like, cash, gold, fixed interest as well.\n\nSo from a time frame point of view, you are still in a good position in that growth. Like you said as well, the closer you do get to retirement, that's when we then wanna potentially look at slowly reducing that a little bit when you have a little bit less time because you don't have the same, you know, capacity for those fluctuations to come back around. Does that all make sense? And you're happy with all that? Yep.\n\nPerfect. Now almost at the end, and I will let let you go. The other documents you will see when you have a moment and looking at them, it is just a bit of a breakdown of your insurances, just a bit more information, but lets you know that's all paid and up to date. And then you'll also have an updated financial services guide and an Oakview services guide. You would have seen we've gone through this a couple of times with you.\n\nIt's just a bit of an updated version. All the important information is still there about us, but it's a bit of an update through to marketing, and we've had a bit of an extension to the team, which is good. So when you do have a look at it, you'll also see me on page 10, I believe, if you do wanna put a face to the voice. Yep. Perfect.\n\nNow the last thing is then if you're happy to do so, it will ask you to sign two documents. Now the first one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the ongoing advice fee that stays exactly the same at 1.65, So no changes in regards to the fee structure. And then the last thing is a tax file number form. It's just a compliance form to say we are keeping your tax file number secure on file for you.\n\nDo you have any questions in regards to any of those kind of documents at this point there, Carlo? Yep. Okay. Perfect. So when you have a moment, have a look through them.\n\nIf you have any questions, let me know, or we can always book you in for a bit of a catch up to go through anything. But if you do have a read through it and you're happy with everything and it all makes sense, if you would then wanna press sign now, it will then ask you to sign those two documents, and then it will send it through to me, and I will get the team to get that sorted and updated for you. And I'll make a little note here as well to keep a lookout for that salary sacrifice, and then we should see a little bit more of that compound return for you, which is a good idea. Perfect. Now do you have any other questions or need anything else from me?\n\nOkay. Yes. The email? Beautiful. Yep.\n\nYes. Yeah. It makes yeah. It makes a big difference. Exactly.\n\nAnd you're still well under the cap space because that's one thing to be mindful of with the salary sacrifice, is staying under the concessional cap of 30,000, which you are under. So at the moment, you have plenty of space for that, so that is good as well. If anything does change and you decide that you wanna put heaps in, just let me know first so I can run the numbers for you. But, yeah, otherwise, you do have you do have a bit of space for that. Yep.\n\nPerfect. Well, thank you so much for your time this afternoon, Paula. I will let you go and enjoy the rest of your afternoon. Thank you so much. We'll speak soon.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.27943072468042374},{"text":"Is this Carla?","start":3.28,"end":4.18,"sentiment":"neutral","sentiment_score":0.1178881898522377},{"text":"This is Veronica from x u Financial.","start":5.8399997,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.21859568996088846},{"text":"How are you?","start":7.9199996,"end":8.66,"sentiment":"neutral","sentiment_score":0.20081089437007904},{"text":"That's good.","start":10.16,"end":11.139999,"sentiment":"positive","sentiment_score":0.7267127633094788}],"sentiment":"neutral","sentiment_score":0.2646208269631161,"num_words":17,"start":2.6399999,"end":11.139999},{"sentences":[{"text":"I had your booked in to go over your annual review.","start":11.28,"end":13.44,"sentiment":"positive","sentiment_score":0.543124491518194},{"text":"Is now still a good time for you?","start":13.44,"end":15.015,"sentiment":"positive","sentiment_score":0.42247363924980164},{"text":"Yeah.","start":16.215,"end":16.715,"sentiment":"neutral","sentiment_score":0.27265551686286926},{"text":"Perfect.","start":16.775,"end":17.275,"sentiment":"positive","sentiment_score":0.430267870426178},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes.","start":17.495,"end":23.915,"sentiment":"neutral","sentiment_score":0.08994589201532878}],"sentiment":"neutral","sentiment_score":0.26373776809332217,"num_words":47,"start":11.28,"end":23.915},{"sentences":[{"text":"Perfect.","start":24.375,"end":24.875,"sentiment":"neutral","sentiment_score":0.24173808097839355},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":25.895,"end":34.0,"sentiment":"neutral","sentiment_score":0.06292017695627042},{"text":"That's okay.","start":41.435,"end":48.255,"sentiment":"neutral","sentiment_score":0.017761324532330036},{"text":"And just address this up, please.","start":55.69,"end":57.31,"sentiment":"neutral","sentiment_score":0.00772969579945008},{"text":"Yep.","start":60.809998,"end":61.21,"sentiment":"neutral","sentiment_score":0.1274317502975464}],"sentiment":"neutral","sentiment_score":0.058232516050338745,"num_words":38,"start":24.375,"end":61.21},{"sentences":[{"text":"Perfect.","start":61.21,"end":61.61,"sentiment":"positive","sentiment_score":0.4816458821296692},{"text":"That's exactly what I have here.","start":61.61,"end":63.15,"sentiment":"positive","sentiment_score":0.511251762509346},{"text":"How's your day been?","start":63.21,"end":64.17,"sentiment":"neutral","sentiment_score":0.13972950354218483},{"text":"Been busy?","start":64.17,"end":64.91,"sentiment":"neutral","sentiment_score":-0.01246050838381052},{"text":"How's your day been so far?","start":66.744995,"end":68.265,"sentiment":"neutral","sentiment_score":0.054311310251553856}],"sentiment":"neutral","sentiment_score":0.23205375347874665,"num_words":19,"start":61.21,"end":68.265},{"sentences":[{"text":"Been busy?","start":68.265,"end":69.005,"sentiment":"neutral","sentiment_score":0.002925875596702099},{"text":"Well, I will try my best to make this quick for you and not keep you on the phone for too long.","start":71.784996,"end":76.365,"sentiment":"neutral","sentiment_score":0.04018243571574038},{"text":"Before I do kind of jump in, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on?","start":77.145,"end":86.17,"sentiment":"neutral","sentiment_score":0.02176726009787583},{"text":"Mhmm.","start":93.845,"end":94.345,"sentiment":"neutral","sentiment_score":0.005012182053178549},{"text":"Oh, yep.","start":108.18,"end":108.66,"sentiment":"neutral","sentiment_score":0.0955759696662426}],"sentiment":"neutral","sentiment_score":0.029095398857915664,"num_words":68,"start":68.265,"end":108.66},{"sentences":[{"text":"Perfect.","start":108.66,"end":109.14,"sentiment":"neutral","sentiment_score":0.302978515625},{"text":"So salary sacrificing a little bit.","start":109.14,"end":111.4,"sentiment":"neutral","sentiment_score":0.07827229114870231},{"text":"Correct.","start":117.155,"end":117.655,"sentiment":"neutral","sentiment_score":0.16024193167686462},{"text":"It does.","start":117.875,"end":118.695,"sentiment":"neutral","sentiment_score":0.1296892911195755},{"text":"Do you know how much you would like to put in at all?","start":119.555,"end":123.975,"sentiment":"neutral","sentiment_score":0.03431273337740164}],"sentiment":"neutral","sentiment_score":0.07123036131910655,"num_words":23,"start":108.66,"end":123.975},{"sentences":[{"text":"Yeah.","start":127.33,"end":127.83,"sentiment":"neutral","sentiment_score":0.17301012575626373},{"text":"That's good.","start":127.97,"end":128.79,"sentiment":"neutral","sentiment_score":0.24024750292301178},{"text":"And it is yeah.","start":129.25,"end":131.43,"sentiment":"neutral","sentiment_score":-0.004156941547989845},{"text":"And it is something that you can kind of stop and start whenever you want to with employer as well, so if your situation ever change or cash flow or anything like that change.","start":131.89,"end":140.39,"sentiment":"neutral","sentiment_score":0.17874197070212924},{"text":"And is your income about 90,000, or did that change?","start":141.625,"end":145.72499,"sentiment":"neutral","sentiment_score":0.04737648591399193}],"sentiment":"neutral","sentiment_score":0.14093861232201257,"num_words":51,"start":127.33,"end":145.72499},{"sentences":[{"text":"Yeah.","start":148.025,"end":148.525,"sentiment":"neutral","sentiment_score":0.07910763472318649},{"text":"Because even paycalculator.com.au, have you ever used that?","start":148.58499,"end":153.00499,"sentiment":"neutral","sentiment_score":0.07455024821683764},{"text":"No.","start":155.4,"end":155.9,"sentiment":"neutral","sentiment_score":0.008106816560029984},{"text":"It is a really good website where you can kind of play around with different amounts to see how a how much tax is saved and how much extra super you get.","start":156.04,"end":164.14,"sentiment":"neutral","sentiment_score":0.24959760601632297},{"text":"And when you do go so you can see yeah.","start":164.44,"end":171.49501,"sentiment":"neutral","sentiment_score":0.10346908401697874}],"sentiment":"neutral","sentiment_score":0.18664289749442384,"num_words":52,"start":148.025,"end":171.49501},{"sentences":[{"text":"And it is good.","start":171.49501,"end":172.63501,"sentiment":"positive","sentiment_score":0.48187605291604996},{"text":"Yeah.","start":181.43001,"end":181.83,"sentiment":"positive","sentiment_score":0.3886350393295288},{"text":"And I can even do that for you.","start":181.83,"end":183.51001,"sentiment":"positive","sentiment_score":0.5376561470329762},{"text":"So if on a weekly, you're looking at $50, in income tax saving in a year, it will be about $832.","start":183.51001,"end":197.835,"sentiment":"positive","sentiment_score":0.42612231629235403},{"text":"And then you have net tax savings because contributions going into super are still taxed, but it is taxed concessionally at 15%, which is obviously a lot less than your marginal tax rate, which is at the 30.","start":199.735,"end":215.46,"sentiment":"neutral","sentiment_score":0.3043977818206737}],"sentiment":"positive","sentiment_score":0.37684823303586906,"num_words":72,"start":171.49501,"end":215.46},{"sentences":[{"text":"So that's why you do save a bit on on the tax, and at the same time, you do boost superannuation.","start":215.46,"end":220.04001,"sentiment":"positive","sentiment_score":0.4664615250769116},{"text":"So the net tax savings is 442.","start":221.88501,"end":225.645,"sentiment":"positive","sentiment_score":0.4576450799192701},{"text":"So it does make a bit of a difference.","start":225.645,"end":227.425,"sentiment":"positive","sentiment_score":0.50030141737726},{"text":"And then, obviously, the the money that you do put into super then accumulates and compounds as well.","start":227.80501,"end":234.54501,"sentiment":"neutral","sentiment_score":0.1152176529996925},{"text":"And it will be Yep.","start":236.25,"end":248.505,"sentiment":"neutral","sentiment_score":0.06262663900852203}],"sentiment":"neutral","sentiment_score":0.3314828548580408,"num_words":60,"start":215.46,"end":248.505},{"sentences":[{"text":"And I can and I can kind of run through a bit of that with you today.","start":248.505,"end":252.205,"sentiment":"neutral","sentiment_score":0.1892496654215981},{"text":"And so just for your reference, if you do put about $50 a week in, it's about 2,600 a year.","start":254.10501,"end":261.16,"sentiment":"neutral","sentiment_score":0.12023611962795258},{"text":"So it does make a bit of a difference, plus, obviously, your employer putting about 10,800 in if they pay just that standard 12%.","start":261.16,"end":269.9,"sentiment":"neutral","sentiment_score":0.23696283778796592},{"text":"So it does make a bit of a difference.","start":270.04,"end":271.82,"sentiment":"positive","sentiment_score":0.3913104501035478},{"text":"Now just quickly run through a bit of a fact fund with you as well to see if there's anything else that has changed for you before I kind of go into your superannuation performance and what's happened in the last twelve months.","start":273.73502,"end":285.255,"sentiment":"neutral","sentiment_score":0.057711284001206245}],"sentiment":"neutral","sentiment_score":0.1532075581824885,"num_words":113,"start":248.505,"end":285.255},{"sentences":[{"text":"So kind of bear with me as I go through this, and I'll try to make it quick for you.","start":285.255,"end":289.035,"sentiment":"neutral","sentiment_score":0.09358068518340587},{"text":"Now when it comes to your personal details, I have you down here as married with no financial dependent.","start":289.69,"end":295.71,"sentiment":"neutral","sentiment_score":0.034683466937981154},{"text":"Is that correct?","start":295.77,"end":296.59,"sentiment":"neutral","sentiment_score":0.04006313035885493},{"text":"Perfect.","start":298.00998,"end":298.49,"sentiment":"positive","sentiment_score":0.3993108868598938},{"text":"And next up, can I have Carla nominated?","start":298.49,"end":300.83,"sentiment":"neutral","sentiment_score":0.16322139278054237}],"sentiment":"neutral","sentiment_score":0.08540923520922661,"num_words":51,"start":285.255,"end":300.83},{"sentences":[{"text":"Is that still the case as well?","start":301.05,"end":302.83,"sentiment":"neutral","sentiment_score":0.08701537123748235},{"text":"Yep.","start":303.88498,"end":304.205,"sentiment":"neutral","sentiment_score":0.12898461520671844},{"text":"Beautiful.","start":304.205,"end":304.705,"sentiment":"positive","sentiment_score":0.4036652445793152},{"text":"Now employment wise, as you're still working as a service technician, none of that's changed.","start":305.16498,"end":311.185,"sentiment":"neutral","sentiment_score":0.08331914593776067},{"text":"Perfect.","start":311.485,"end":311.985,"sentiment":"neutral","sentiment_score":0.17309431731700897}],"sentiment":"neutral","sentiment_score":0.10258555859327316,"num_words":25,"start":301.05,"end":311.985},{"sentences":[{"text":"Asset wise, I have your property was lost by at about 600,000.","start":313.485,"end":317.51,"sentiment":"neutral","sentiment_score":-0.033802994061261415},{"text":"Is that still roughly the case as well?","start":317.65,"end":319.59,"sentiment":"neutral","sentiment_score":-0.01395621127448976},{"text":"No.","start":327.33,"end":327.57,"sentiment":"neutral","sentiment_score":-0.15266238152980804},{"text":"That's okay.","start":327.57,"end":328.38998,"sentiment":"neutral","sentiment_score":-0.11619272083044052},{"text":"At least.","start":330.065,"end":330.70502,"sentiment":"neutral","sentiment_score":-0.016637554857879877}],"sentiment":"neutral","sentiment_score":-0.03742434207350016,"num_words":25,"start":313.485,"end":330.70502},{"sentences":[{"text":"Okay.","start":330.70502,"end":331.105,"sentiment":"neutral","sentiment_score":-0.005673917010426521},{"text":"And do you have about $2.50 owing on the mortgage?","start":331.105,"end":334.565,"sentiment":"neutral","sentiment_score":-0.017230876628309487},{"text":"Roughly?","start":338.065,"end":338.565,"sentiment":"neutral","sentiment_score":0.0008026198484003544},{"text":"Perfect.","start":338.785,"end":339.285,"sentiment":"neutral","sentiment_score":0.12611660361289978},{"text":"And I also have here three motor vehicles.","start":339.825,"end":342.64502,"sentiment":"neutral","sentiment_score":0.04391172854229808}],"sentiment":"neutral","sentiment_score":0.014296684214579207,"num_words":21,"start":330.70502,"end":342.64502},{"sentences":[{"text":"One valued at about 25, and the other two combined about 10.","start":343.78,"end":347.72,"sentiment":"neutral","sentiment_score":0.030844210957487423},{"text":"Yep.","start":349.78,"end":350.28,"sentiment":"neutral","sentiment_score":0.041068390011787415},{"text":"Perfect.","start":352.02,"end":352.41998,"sentiment":"neutral","sentiment_score":0.17018872499465942},{"text":"And also about 1,500 is an offset account.","start":352.41998,"end":355.16,"sentiment":"neutral","sentiment_score":0.05915329745039344},{"text":"Yep.","start":356.78497,"end":357.28497,"sentiment":"neutral","sentiment_score":0.010439759120345116}],"sentiment":"neutral","sentiment_score":0.04630668631390385,"num_words":23,"start":343.78,"end":357.28497},{"sentences":[{"text":"Any other assets that's changed?","start":357.50497,"end":359.985,"sentiment":"neutral","sentiment_score":-0.03738864287734032},{"text":"It's not perfect.","start":359.985,"end":361.04498,"sentiment":"neutral","sentiment_score":-0.17390998701254526},{"text":"Any other liabilities, like personal loans, credit card, ship pay, all the same?","start":361.66498,"end":366.00497,"sentiment":"neutral","sentiment_score":-0.0891608174603719},{"text":"Perfect.","start":366.54498,"end":367.04498,"sentiment":"neutral","sentiment_score":-0.05166023224592209},{"text":"Health and lifestyle line?","start":367.905,"end":369.525,"sentiment":"neutral","sentiment_score":-0.11303435638546944}],"sentiment":"neutral","sentiment_score":-0.09121390231526814,"num_words":26,"start":357.50497,"end":369.525},{"sentences":[{"text":"Yep.","start":369.95,"end":370.45,"sentiment":"neutral","sentiment_score":-0.05176125466823578},{"text":"Oh, that's good.","start":375.31,"end":376.11002,"sentiment":"neutral","sentiment_score":0.3019399046897888},{"text":"That's really good.","start":376.11002,"end":377.17,"sentiment":"positive","sentiment_score":0.3810120150446892},{"text":"And health and lifestyle wise, so have you here as a nonsmoker, but still the case as well?","start":378.67,"end":383.73,"sentiment":"neutral","sentiment_score":0.053160736647744976},{"text":"Perfect.","start":384.60498,"end":385.10498,"sentiment":"positive","sentiment_score":0.4843392372131348}],"sentiment":"neutral","sentiment_score":0.1322433462079901,"num_words":26,"start":369.95,"end":385.10498},{"sentences":[{"text":"Any significant changes to your health or injuries or anything in the site?","start":385.16498,"end":389.585,"sentiment":"neutral","sentiment_score":-0.022745504688758116},{"text":"Beautiful.","start":389.805,"end":390.305,"sentiment":"positive","sentiment_score":0.661112904548645},{"text":"Nice and easy.","start":390.365,"end":391.345,"sentiment":"positive","sentiment_score":0.6948641935984293},{"text":"Estate planning.","start":392.365,"end":393.505,"sentiment":"positive","sentiment_score":0.36977942287921906},{"text":"Do you have a will in place or a power of attorney or anything like that?","start":394.205,"end":397.905,"sentiment":"neutral","sentiment_score":0.08184774173423648}],"sentiment":"neutral","sentiment_score":0.1285467610827514,"num_words":35,"start":385.16498,"end":397.905},{"sentences":[{"text":"Yep.","start":412.525,"end":413.005,"sentiment":"neutral","sentiment_score":0.055267952382564545},{"text":"On the to do list.","start":413.005,"end":414.225,"sentiment":"neutral","sentiment_score":0.028232121467590333},{"text":"Yep.","start":423.98,"end":424.48,"sentiment":"neutral","sentiment_score":0.06925204396247864},{"text":"And Yep.","start":424.78,"end":434.495,"sentiment":"neutral","sentiment_score":0.0391750717535615},{"text":"And yes.","start":441.755,"end":442.655,"sentiment":"neutral","sentiment_score":-0.012419245205819607}],"sentiment":"neutral","sentiment_score":0.029017477888952602,"num_words":11,"start":412.525,"end":442.655},{"sentences":[{"text":"And so with your super, it doesn't form part of the estate.","start":442.715,"end":447.51,"sentiment":"neutral","sentiment_score":0.005792987959769865},{"text":"So with your super, I can see here that you have Carla nominated at a 100%, and it is a valid nomination.","start":447.51,"end":454.25,"sentiment":"neutral","sentiment_score":0.1321922161362388},{"text":"So if anything were to happen to you, it would go to her.","start":454.55,"end":458.25,"sentiment":"neutral","sentiment_score":0.09205863452874698},{"text":"But you are correct.","start":458.38998,"end":459.43,"sentiment":"neutral","sentiment_score":0.08859297819435596},{"text":"Obviously, all your other assets, it is good to have a will in place, making sure that your other assets do get distributed according to how you want it.","start":459.43,"end":467.98502,"sentiment":"neutral","sentiment_score":0.08736317604780197}],"sentiment":"neutral","sentiment_score":0.08828013596939854,"num_words":80,"start":442.715,"end":467.98502},{"sentences":[{"text":"Do you have do you know lack of a lawyer or anything that you okay.","start":469.64502,"end":476.38,"sentiment":"neutral","sentiment_score":-0.030754187082250913},{"text":"Oh, great.","start":477.32,"end":478.06,"sentiment":"neutral","sentiment_score":0.20623458921909332},{"text":"Perfect.","start":478.12,"end":478.62,"sentiment":"neutral","sentiment_score":0.23189449310302737},{"text":"Yes.","start":485.0,"end":485.48,"sentiment":"neutral","sentiment_score":0.03911995515227318},{"text":"Yep.","start":485.48,"end":485.80002,"sentiment":"neutral","sentiment_score":0.027706816792488095}],"sentiment":"neutral","sentiment_score":0.01249388186261058,"num_words":20,"start":469.64502,"end":485.80002},{"sentences":[{"text":"And there are obviously shop around a little bit, but some are cheaper than others.","start":485.80002,"end":489.405,"sentiment":"neutral","sentiment_score":-0.013064068804184596},{"text":"So, yeah, it's good that you have people that you can ask.","start":490.445,"end":492.845,"sentiment":"positive","sentiment_score":0.8119307259718577},{"text":"So on the to do list.","start":492.845,"end":494.465,"sentiment":"positive","sentiment_score":0.4466509719689687},{"text":"Otherwise, kind of goals that you are working towards, I have, obviously, aside from getting the rules sorted that your main focus, otherwise, is just to tryna pay down the mortgages as much as possible before retirement.","start":496.125,"end":509.80002,"sentiment":"neutral","sentiment_score":0.19246758983747378},{"text":"Is that still kind of the main focus aside from yep.","start":509.94,"end":513.64,"sentiment":"neutral","sentiment_score":0.09917402724650773}],"sentiment":"neutral","sentiment_score":0.2523373905569315,"num_words":81,"start":485.80002,"end":513.64},{"sentences":[{"text":"Yes.","start":521.635,"end":522.135,"sentiment":"neutral","sentiment_score":0.04263676702976227},{"text":"Yes.","start":523.23505,"end":523.635,"sentiment":"neutral","sentiment_score":0.13547727465629578},{"text":"Yep.","start":523.635,"end":524.115,"sentiment":"neutral","sentiment_score":0.198575496673584},{"text":"Exactly.","start":524.115,"end":524.615,"sentiment":"neutral","sentiment_score":0.24992653727531433},{"text":"And try not to reduce that.","start":524.67505,"end":526.29504,"sentiment":"neutral","sentiment_score":0.12535215293367705}],"sentiment":"neutral","sentiment_score":0.13787289932370186,"num_words":10,"start":521.635,"end":526.29504},{"sentences":[{"text":"Yep.","start":527.395,"end":527.895,"sentiment":"neutral","sentiment_score":0.20714962482452393},{"text":"Yeah.","start":527.955,"end":528.435,"sentiment":"neutral","sentiment_score":0.2202732264995575},{"text":"No.","start":528.435,"end":528.67505,"sentiment":"neutral","sentiment_score":0.19805803894996643},{"text":"That that's a good goal.","start":528.67505,"end":530.055,"sentiment":"positive","sentiment_score":0.4632521033287048},{"text":"Is there anything else that you're working towards otherwise or is that main focus?","start":530.995,"end":537.62,"sentiment":"neutral","sentiment_score":0.12174909548567873}],"sentiment":"neutral","sentiment_score":0.21119221562350338,"num_words":22,"start":527.395,"end":537.62},{"sentences":[{"text":"Yeah.","start":542.48,"end":542.98,"sentiment":"neutral","sentiment_score":0.08929510414600372},{"text":"Yeah.","start":554.335,"end":554.835,"sentiment":"neutral","sentiment_score":0.031173711642622948},{"text":"Yeah.","start":554.895,"end":555.395,"sentiment":"neutral","sentiment_score":0.02224535681307316},{"text":"And yep.","start":555.695,"end":565.31,"sentiment":"neutral","sentiment_score":-0.046831270679831505},{"text":"Been a bit of fluctuation in the world the last twelve months.","start":565.53,"end":568.99,"sentiment":"neutral","sentiment_score":-0.20860034227371216}],"sentiment":"neutral","sentiment_score":-0.1443619103554417,"num_words":17,"start":542.48,"end":568.99},{"sentences":[{"text":"Yes.","start":588.88,"end":589.38,"sentiment":"neutral","sentiment_score":0.005690920166671276},{"text":"Yeah.","start":590.32,"end":590.82,"sentiment":"neutral","sentiment_score":-0.02316119149327278},{"text":"Exactly.","start":597.135,"end":597.635,"sentiment":"positive","sentiment_score":0.614557147026062},{"text":"It does make a difference.","start":597.935,"end":599.295,"sentiment":"positive","sentiment_score":0.5402415752410888},{"text":"And with that act sorry.","start":599.295,"end":602.755,"sentiment":"neutral","sentiment_score":0.010605714097619057}],"sentiment":"neutral","sentiment_score":0.25779410172253847,"num_words":13,"start":588.88,"end":602.755},{"sentences":[{"text":"Are you still there, Carla?","start":602.895,"end":604.115,"sentiment":"neutral","sentiment_score":-0.00907313022762537},{"text":"Yeah.","start":605.375,"end":605.775,"sentiment":"neutral","sentiment_score":0.04658259451389313},{"text":"No.","start":605.775,"end":606.275,"sentiment":"neutral","sentiment_score":0.003192981705069542},{"text":"And with the super as well there for you, I have just sent you an email actually with some documents, and part of that is actually showing what's happened to your portfolio.","start":607.74,"end":618.96,"sentiment":"neutral","sentiment_score":0.07688376458827406},{"text":"Do you have access to your emails at the moment?","start":619.34,"end":621.76,"sentiment":"neutral","sentiment_score":0.013897731527686119}],"sentiment":"neutral","sentiment_score":0.05313607565678504,"num_words":49,"start":602.895,"end":621.76},{"sentences":[{"text":"That's okay.","start":624.895,"end":625.635,"sentiment":"neutral","sentiment_score":0.1159413643181324},{"text":"Okay.","start":629.775,"end":630.255,"sentiment":"neutral","sentiment_score":0.3250609040260315},{"text":"Perfect.","start":630.255,"end":630.755,"sentiment":"positive","sentiment_score":0.5279524922370911},{"text":"So if you're happy for me to do so, I'll just kind of briefly run through the documents.","start":630.97504,"end":634.73505,"sentiment":"positive","sentiment_score":0.3594664964410994},{"text":"And then later, when you have time, have a look through them.","start":634.73505,"end":637.96,"sentiment":"neutral","sentiment_score":0.20268786822756132}],"sentiment":"neutral","sentiment_score":0.2937513964579386,"num_words":34,"start":624.895,"end":637.96},{"sentences":[{"text":"If you have any questions or anything like that, just let me know.","start":637.96,"end":641.58,"sentiment":"neutral","sentiment_score":0.15053585974069741},{"text":"But with your super end insurances, see if I'll touch on that one first.","start":642.28,"end":647.0,"sentiment":"neutral","sentiment_score":0.05167151827897344},{"text":"So that is one of the attachments I have sent through to you.","start":647.0,"end":650.38,"sentiment":"neutral","sentiment_score":0.06525040303285305},{"text":"Now that one shows you your your superannuation at the moment is with Netwealth, and you do have about a $111,568 in there.","start":650.76,"end":662.095,"sentiment":"neutral","sentiment_score":0.073599842093561},{"text":"Now you do have some insurance as well.","start":663.275,"end":665.52,"sentiment":"neutral","sentiment_score":0.09323264844715595}],"sentiment":"neutral","sentiment_score":0.08404620039001318,"num_words":71,"start":637.96,"end":665.52},{"sentences":[{"text":"So you have some insurance with Netwealth.","start":665.52,"end":667.94,"sentiment":"neutral","sentiment_score":0.06550263347370285},{"text":"Yeah.","start":668.32,"end":668.82,"sentiment":"neutral","sentiment_score":0.08227047324180603},{"text":"And what you have is life insurance and total permanent disability insurance, and that is 479,576.","start":671.60004,"end":683.615,"sentiment":"neutral","sentiment_score":0.08009615982882679},{"text":"And that you also have an income protection, and that will pay you a monthly amount of 5,413 per month.","start":683.915,"end":692.33496,"sentiment":"neutral","sentiment_score":0.10638893172144889},{"text":"You have a sixty day waiting period and a two age benefit period of sixty five.","start":693.00995,"end":699.02997,"sentiment":"neutral","sentiment_score":0.10462085949257016}],"sentiment":"neutral","sentiment_score":0.09373399751881759,"num_words":60,"start":665.52,"end":699.02997},{"sentences":[{"text":"For all three, the total premium is 4,950.","start":699.49,"end":704.14996,"sentiment":"neutral","sentiment_score":0.11220062524080276},{"text":"Are you still happy with the level of cover and stuff that you have for your insurances?","start":704.61,"end":708.855,"sentiment":"neutral","sentiment_score":0.14259368049747803},{"text":"Yep.","start":709.71497,"end":710.195,"sentiment":"neutral","sentiment_score":0.12215103209018709},{"text":"Perfect.","start":710.195,"end":710.695,"sentiment":"neutral","sentiment_score":0.3073495924472809},{"text":"Yeah.","start":712.435,"end":712.83496,"sentiment":"neutral","sentiment_score":0.2002062201499939}],"sentiment":"neutral","sentiment_score":0.1411215862525361,"num_words":28,"start":699.49,"end":712.83496},{"sentences":[{"text":"It gives you the peace of mind if something happens.","start":712.83496,"end":715.975,"sentiment":"neutral","sentiment_score":0.22796692252159118},{"text":"Yeah.","start":716.355,"end":716.675,"sentiment":"neutral","sentiment_score":0.2717231512069702},{"text":"Perfect.","start":716.675,"end":716.995,"sentiment":"positive","sentiment_score":0.488261878490448},{"text":"Especially the income protection, it does go for to age 65.","start":716.995,"end":720.84,"sentiment":"neutral","sentiment_score":0.24019032581285996},{"text":"So so that's that's pretty good.","start":721.88,"end":723.9,"sentiment":"positive","sentiment_score":0.7497869431972504}],"sentiment":"positive","sentiment_score":0.351050672346148,"num_words":29,"start":712.83496,"end":723.9},{"sentences":[{"text":"Now the other documents I can have sent there for you is a performance report.","start":725.32,"end":731.5,"sentiment":"neutral","sentiment_score":0.16767348051071168},{"text":"Now that one is the one that gives you a bit of an offset on your portfolio.","start":731.64,"end":736.935,"sentiment":"neutral","sentiment_score":0.06500187976395383},{"text":"So let me just load that here for you.","start":737.155,"end":740.59503,"sentiment":"neutral","sentiment_score":0.04760998114943504},{"text":"So kind of like you touched on, we have seen a lot of fluctuations in the market in the last twelve months.","start":740.59503,"end":745.495,"sentiment":"neutral","sentiment_score":0.0121182631701231},{"text":"First, we obviously had everything in The US and Trump and tariffs and everything, and obviously more recently with the war, everything that's going on.","start":746.275,"end":756.72,"sentiment":"neutral","sentiment_score":-0.013255909681320191}],"sentiment":"neutral","sentiment_score":0.04527077320116488,"num_words":88,"start":725.32,"end":756.72},{"sentences":[{"text":"But besides that, though, your portfolio has done really well.","start":756.72,"end":761.92,"sentiment":"neutral","sentiment_score":0.3110551469027996},{"text":"So in the last twelve months, after fees, your portfolio is still up by 11%, which we're really happy with.","start":761.92,"end":770.935,"sentiment":"positive","sentiment_score":0.4083226531744003},{"text":"So that is really good.","start":770.935,"end":772.31494,"sentiment":"positive","sentiment_score":0.7206461906433106},{"text":"And with that kind of active approach you mentioned as well, we have actually made a switch for you.","start":772.77496,"end":779.25,"sentiment":"neutral","sentiment_score":0.29499217083579615},{"text":"So I don't know if you saw the email.","start":779.39,"end":782.35004,"sentiment":"neutral","sentiment_score":0.08404968575470978}],"sentiment":"positive","sentiment_score":0.33716720481595347,"num_words":63,"start":756.72,"end":782.35004},{"sentences":[{"text":"Let me just check when it was sent to it.","start":782.35004,"end":784.27,"sentiment":"neutral","sentiment_score":0.078121218085289},{"text":"You didn't have to sign it or anything, but that was just for your records because it is obviously something we've reset all your investments all the time, making sure that we do have you in the best options possible for what's happening in the world.","start":784.27,"end":798.96497,"sentiment":"neutral","sentiment_score":0.1554628070038946},{"text":"So for your investment, it is something that we and the investment committee constantly review.","start":798.96497,"end":804.09,"sentiment":"neutral","sentiment_score":0.09966325014829636},{"text":"So on the March 13, I believe, we sent you an email just letting you know that we have made the decision to make a switch for one of your investments.","start":804.41003,"end":812.67004,"sentiment":"neutral","sentiment_score":0.11685454316677586},{"text":"And that was your Benelon Australian Equities, and we swapped that one because that one was a bit more recently.","start":813.61005,"end":819.985,"sentiment":"neutral","sentiment_score":0.08607191387563944}],"sentiment":"neutral","sentiment_score":0.12107687845032235,"num_words":122,"start":782.35004,"end":819.985},{"sentences":[{"text":"When you first came on board and up until quite recently, it was doing really well.","start":820.445,"end":824.125,"sentiment":"neutral","sentiment_score":0.20313271507620811},{"text":"It was one of their best performing fund managers, and they were doing really, really well.","start":824.125,"end":829.34503,"sentiment":"neutral","sentiment_score":0.2814078573137522},{"text":"More more recently, kind of underperformed a little bit.","start":830.79,"end":833.19,"sentiment":"neutral","sentiment_score":-0.15640328038069937},{"text":"And if that is the case, then we don't foresee moving you know, coming back around.","start":833.19,"end":837.11,"sentiment":"neutral","sentiment_score":-0.12785768089815974},{"text":"We wanna swap it out like you exactly touched on.","start":837.11,"end":839.58997,"sentiment":"neutral","sentiment_score":0.014113250002264977}],"sentiment":"neutral","sentiment_score":0.06627506329052484,"num_words":67,"start":820.445,"end":839.58997},{"sentences":[{"text":"So we have swapped it out for another one, which is called your beta shares Australia 200.","start":839.58997,"end":845.715,"sentiment":"neutral","sentiment_score":0.07177156237337519},{"text":"So still focusing on swapping one Australian investment for another one to still give you the diversification throughout your portfolio.","start":845.775,"end":854.035,"sentiment":"neutral","sentiment_score":0.18129174076020718},{"text":"But the Benelon Australian equity is a little bit cheaper and have performed a little bit better for you.","start":855.215,"end":859.775,"sentiment":"neutral","sentiment_score":0.3170621340212069},{"text":"So moving forward as well, it position you in a better position.","start":859.775,"end":863.52997,"sentiment":"neutral","sentiment_score":0.3070020501812299},{"text":"So yeah.","start":865.11,"end":866.23,"sentiment":"neutral","sentiment_score":0.12832847982645035}],"sentiment":"neutral","sentiment_score":0.2115830497683159,"num_words":70,"start":839.58997,"end":866.23},{"sentences":[{"text":"So that was sent to you.","start":866.23,"end":867.19,"sentiment":"neutral","sentiment_score":0.060582869996627174},{"text":"If you do wanna read on a little bit more, there is a bit more information in regards to it, and that was on the March 13.","start":867.19,"end":873.85,"sentiment":"neutral","sentiment_score":0.016043826420274045},{"text":"Sometimes it ends up in the spam folder as well.","start":874.375,"end":876.875,"sentiment":"neutral","sentiment_score":-0.06288275569677353},{"text":"But, yeah, we have made that decision recently to make sure we do have you in the best position.","start":877.255,"end":882.935,"sentiment":"positive","sentiment_score":0.33395296648928996},{"text":"So things are kind of on track at the moment and doing well despite all the stuff going on in the world.","start":882.935,"end":889.23,"sentiment":"positive","sentiment_score":0.5239764682271264}],"sentiment":"neutral","sentiment_score":0.21476716238872282,"num_words":84,"start":866.23,"end":889.23},{"sentences":[{"text":"So very happy with the way things have happened in the last twelve months.","start":889.23,"end":892.69,"sentiment":"positive","sentiment_score":0.7375831731728145},{"text":"And and now the other documents sorry.","start":895.23,"end":898.02997,"sentiment":"neutral","sentiment_score":0.023093052075377533},{"text":"With your with your investments as well, we currently have you invested in a growth portfolio.","start":898.02997,"end":904.185,"sentiment":"neutral","sentiment_score":0.06705869757570326},{"text":"And I know we've kind of gone through that risk profile with you a couple of times, and most of the times you have come out as a as a growth investor there for you.","start":905.125,"end":913.38,"sentiment":"neutral","sentiment_score":0.046003783494234084},{"text":"Has any of your risk tolerance or changes or anything happened, or are you still comfortable with the same level of of of risk?","start":913.62,"end":921.16003,"sentiment":"neutral","sentiment_score":-0.027856551265964907}],"sentiment":"neutral","sentiment_score":0.13023260564659722,"num_words":96,"start":889.23,"end":921.16003},{"sentences":[{"text":"We should be good.","start":923.62,"end":924.68,"sentiment":"neutral","sentiment_score":0.12335720844566822},{"text":"Yes.","start":927.23505,"end":927.73505,"sentiment":"neutral","sentiment_score":0.07335259765386581},{"text":"Well, look.","start":931.155,"end":931.875,"sentiment":"neutral","sentiment_score":0.013734275475144386},{"text":"Yeah.","start":931.875,"end":932.375,"sentiment":"neutral","sentiment_score":0.015788154676556587},{"text":"Yes.","start":933.955,"end":934.455,"sentiment":"neutral","sentiment_score":-0.0029791928827762604}],"sentiment":"neutral","sentiment_score":0.0674509937978453,"num_words":9,"start":923.62,"end":934.455},{"sentences":[{"text":"And that's exactly right.","start":940.17,"end":941.29004,"sentiment":"neutral","sentiment_score":0.1804359182715416},{"text":"Because where you are right now so in a typical growth portfolio, we do wanna allow at least six years until retirement, making sure you have enough time in the market for those fluctuations because you're still focusing on, you know, growing your super as much as possible while you do still have plenty of time until retirement.","start":941.29004,"end":958.875,"sentiment":"neutral","sentiment_score":0.14091398843146605},{"text":"There will be some level of fluctuations short term to try and grow that.","start":959.335,"end":963.91504,"sentiment":"neutral","sentiment_score":0.07681688533297606},{"text":"And asset wise, we're looking at about 80% in your growth investments.","start":965.06,"end":969.64,"sentiment":"neutral","sentiment_score":0.12408216421802838},{"text":"So that's, like, your Australian shares, international shares, property, and commodities, and then about 20% in defensive, like, cash, gold, fixed interest as well.","start":970.34,"end":981.435,"sentiment":"neutral","sentiment_score":0.2551238611340523}],"sentiment":"neutral","sentiment_score":0.15698348245184338,"num_words":112,"start":940.17,"end":981.435},{"sentences":[{"text":"So from a time frame point of view, you are still in a good position in that growth.","start":981.435,"end":985.535,"sentiment":"positive","sentiment_score":0.6398805595106549},{"text":"Like you said as well, the closer you do get to retirement, that's when we then wanna potentially look at slowly reducing that a little bit when you have a little bit less time because you don't have the same, you know, capacity for those fluctuations to come back around.","start":985.675,"end":999.02,"sentiment":"neutral","sentiment_score":0.0807419715821743},{"text":"Does that all make sense?","start":999.02,"end":1000.06,"sentiment":"neutral","sentiment_score":0.1615735799074173},{"text":"And you're happy with all that?","start":1000.06,"end":1001.6,"sentiment":"positive","sentiment_score":0.3850953280925751},{"text":"Yep.","start":1001.74,"end":1002.24,"sentiment":"neutral","sentiment_score":0.24235372245311737}],"sentiment":"neutral","sentiment_score":0.23644677801057695,"num_words":80,"start":981.435,"end":1002.24},{"sentences":[{"text":"Perfect.","start":1002.54,"end":1003.04,"sentiment":"positive","sentiment_score":0.5702970623970032},{"text":"Now almost at the end, and I will let let you go.","start":1003.82,"end":1006.88,"sentiment":"neutral","sentiment_score":0.21879831328988075},{"text":"The other documents you will see when you have a moment and looking at them, it is just a bit of a breakdown of your insurances, just a bit more information, but lets you know that's all paid and up to date.","start":1007.1,"end":1019.385,"sentiment":"neutral","sentiment_score":0.21235355309077672},{"text":"And then you'll also have an updated financial services guide and an Oakview services guide.","start":1020.87,"end":1026.97,"sentiment":"neutral","sentiment_score":0.1542998805642128},{"text":"You would have seen we've gone through this a couple of times with you.","start":1027.6699,"end":1030.63,"sentiment":"neutral","sentiment_score":0.16885295190981456}],"sentiment":"neutral","sentiment_score":0.19991863793915227,"num_words":84,"start":1002.54,"end":1030.63},{"sentences":[{"text":"It's just a bit of an updated version.","start":1030.63,"end":1032.57,"sentiment":"neutral","sentiment_score":0.13734431564807892},{"text":"All the important information is still there about us, but it's a bit of an update through to marketing, and we've had a bit of an extension to the team, which is good.","start":1032.63,"end":1041.175,"sentiment":"neutral","sentiment_score":0.23630081286484544},{"text":"So when you do have a look at it, you'll also see me on page 10, I believe, if you do wanna put a face to the voice.","start":1041.175,"end":1047.5951,"sentiment":"neutral","sentiment_score":0.14331743866205215},{"text":"Yep.","start":1048.74,"end":1049.24,"sentiment":"neutral","sentiment_score":0.1903788149356842},{"text":"Perfect.","start":1049.4601,"end":1049.9601,"sentiment":"positive","sentiment_score":0.3876539468765259}],"sentiment":"neutral","sentiment_score":0.18996623090245354,"num_words":71,"start":1030.63,"end":1049.9601},{"sentences":[{"text":"Now the last thing is then if you're happy to do so, it will ask you to sign two documents.","start":1050.42,"end":1055.64,"sentiment":"neutral","sentiment_score":0.21912862062454225},{"text":"Now the first one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":1056.42,"end":1064.195,"sentiment":"positive","sentiment_score":0.3856738942861557},{"text":"There is no changes whatsoever in regards to the ongoing advice fee that stays exactly the same at 1.65, So no changes in regards to the fee structure.","start":1065.0549,"end":1078.27,"sentiment":"neutral","sentiment_score":0.17339484300464392},{"text":"And then the last thing is a tax file number form.","start":1078.89,"end":1083.05,"sentiment":"neutral","sentiment_score":0.24330261756073346},{"text":"It's just a compliance form to say we are keeping your tax file number secure on file for you.","start":1083.05,"end":1088.27,"sentiment":"neutral","sentiment_score":0.3321398967190793}],"sentiment":"neutral","sentiment_score":0.27054817674374115,"num_words":103,"start":1050.42,"end":1088.27},{"sentences":[{"text":"Do you have any questions in regards to any of those kind of documents at this point there, Carlo?","start":1089.3049,"end":1094.285,"sentiment":"neutral","sentiment_score":0.012466623202750557},{"text":"Yep.","start":1097.625,"end":1098.125,"sentiment":"neutral","sentiment_score":0.31865739822387695},{"text":"Okay.","start":1098.1849,"end":1098.6849,"sentiment":"positive","sentiment_score":0.4538504481315613},{"text":"Perfect.","start":1098.985,"end":1099.485,"sentiment":"positive","sentiment_score":0.5893990993499756},{"text":"So when you have a moment, have a look through them.","start":1099.705,"end":1102.845,"sentiment":"positive","sentiment_score":0.3634491671215404}],"sentiment":"neutral","sentiment_score":0.1695973825725642,"num_words":33,"start":1089.3049,"end":1102.845},{"sentences":[{"text":"If you have any questions, let me know, or we can always book you in for a bit of a catch up to go through anything.","start":1103.0299,"end":1109.59,"sentiment":"neutral","sentiment_score":0.27513619798880357},{"text":"But if you do have a read through it and you're happy with everything and it all makes sense, if you would then wanna press sign now, it will then ask you to sign those two documents, and then it will send it through to me, and I will get the team to get that sorted and updated for you.","start":1109.59,"end":1125.6849,"sentiment":"positive","sentiment_score":0.4934628024697304},{"text":"And I'll make a little note here as well to keep a lookout for that salary sacrifice, and then we should see a little bit more of that compound return for you, which is a good idea.","start":1125.825,"end":1133.77,"sentiment":"positive","sentiment_score":0.5208295913966926},{"text":"Perfect.","start":1135.67,"end":1136.15,"sentiment":"positive","sentiment_score":0.4068187773227692},{"text":"Now do you have any other questions or need anything else from me?","start":1136.15,"end":1139.6101,"sentiment":"neutral","sentiment_score":0.0893844675559264}],"sentiment":"positive","sentiment_score":0.42044394914686245,"num_words":137,"start":1103.0299,"end":1139.6101},{"sentences":[{"text":"Okay.","start":1141.3501,"end":1141.8501,"sentiment":"neutral","sentiment_score":0.028369735926389698},{"text":"Yes.","start":1144.145,"end":1144.645,"sentiment":"neutral","sentiment_score":0.061432044953107834},{"text":"The email?","start":1147.1849,"end":1148.005,"sentiment":"neutral","sentiment_score":0.08863171562552452},{"text":"Beautiful.","start":1148.145,"end":1148.645,"sentiment":"neutral","sentiment_score":0.2564883828163147},{"text":"Yep.","start":1148.865,"end":1149.365,"sentiment":"neutral","sentiment_score":0.07736186683177948}],"sentiment":"neutral","sentiment_score":0.1001525769631068,"num_words":6,"start":1141.3501,"end":1149.365},{"sentences":[{"text":"Yes.","start":1152.465,"end":1152.965,"sentiment":"neutral","sentiment_score":0.04222113639116287},{"text":"Yeah.","start":1158.1001,"end":1158.6001,"sentiment":"neutral","sentiment_score":0.03857378661632538},{"text":"It makes yeah.","start":1159.3,"end":1161.7001,"sentiment":"neutral","sentiment_score":0.045294263710578285},{"text":"It makes a big difference.","start":1161.7001,"end":1163.16,"sentiment":"neutral","sentiment_score":0.01802961453795433},{"text":"Exactly.","start":1163.54,"end":1164.04,"sentiment":"neutral","sentiment_score":0.1312766969203949}],"sentiment":"neutral","sentiment_score":0.039827498522671784,"num_words":11,"start":1152.465,"end":1164.04},{"sentences":[{"text":"And you're still well under the cap space because that's one thing to be mindful of with the salary sacrifice, is staying under the concessional cap of 30,000, which you are under.","start":1164.26,"end":1174.875,"sentiment":"neutral","sentiment_score":0.061880769790150225},{"text":"So at the moment, you have plenty of space for that, so that is good as well.","start":1174.875,"end":1179.115,"sentiment":"neutral","sentiment_score":0.28070955767351036},{"text":"If anything does change and you decide that you wanna put heaps in, just let me know first so I can run the numbers for you.","start":1179.115,"end":1185.83,"sentiment":"neutral","sentiment_score":0.07204169665391628},{"text":"But, yeah, otherwise, you do have you do have a bit of space for that.","start":1186.13,"end":1189.11,"sentiment":"neutral","sentiment_score":0.11053799440463384},{"text":"Yep.","start":1190.2899,"end":1190.69,"sentiment":"neutral","sentiment_score":0.3181368112564087}],"sentiment":"neutral","sentiment_score":0.11650041707760685,"num_words":91,"start":1164.26,"end":1190.69},{"sentences":[{"text":"Perfect.","start":1190.69,"end":1191.19,"sentiment":"positive","sentiment_score":0.7569396495819092},{"text":"Well, thank you so much for your time this afternoon, Paula.","start":1191.25,"end":1193.73,"sentiment":"positive","sentiment_score":0.7578340931372209},{"text":"I will let you go and enjoy the rest of your afternoon.","start":1193.73,"end":1196.5499,"sentiment":"positive","sentiment_score":0.7494767109553019},{"text":"Thank you so much.","start":1198.9789,"end":1199.9388,"sentiment":"positive","sentiment_score":0.8195355981588364},{"text":"We'll speak soon.","start":1199.9388,"end":1200.8389,"sentiment":"positive","sentiment_score":0.35602492094039917}],"sentiment":"positive","sentiment_score":0.7236468503552098,"num_words":31,"start":1190.69,"end":1200.8389},{"sentences":[{"text":"Okay.","start":1202.0989,"end":1202.5789,"sentiment":"neutral","sentiment_score":0.09676216542720796},{"text":"Bye.","start":1202.5789,"end":1203.0789,"sentiment":"neutral","sentiment_score":-0.1064884141087532}],"sentiment":"neutral","sentiment_score":-0.004863124340772622,"num_words":2,"start":1202.0989,"end":1203.0789}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Good. Yes. Yep. Yes. Sorry. No. I'm hitting my headset just wanted to pack it in. Okay. Full name, Carlos. Date of birth, '77. Address 3, Bampier Close In Craigieburn, Victoria 3064. What's that? Extremely. Yeah. No worries. Well, look. Just basically touching base to see, you know, are we on track for when I retire? I am planning on I'm just gonna work it out. It's probably not this pay period, but probably beginning next week or the week after. I'm probably gonna be informing work to start putting some contributions in. Yeah. Because I understand that that can probably save me a little bit on on my income tax. Look, probably probably $50 a week at this stage. Roughly. So Yep. Yep. It's about that. Yeah. No. No. Look. I I I know I know roughly how much I'm paying every week, and it's yeah. I mean, putting putting that putting that 50 off towards I mean, you look, it's probably not gonna show much, but I think it's probably gonna it's probably gonna save me a bit. Okay. Yeah. Is it Yep. So at the moment, yeah, I don't know what if there's anything that needs to change from your end the way you do your settings or what gets invested into where at this point. Yep. Yep. Yep. Yep. Correct. Yep. Yes. Yes. Yeah. Look. I haven't had it valued, but it it'll be yeah. Right. Still ramped probably a little bit more now. Well, I I don't know. But at at least at at least that. Yeah. Yeah. Roughly. Yeah. Yeah. Yeah. This sounds about right. Yes. Nothing's really much no. No. No. I haven't owned I haven't I haven't owned a credit card for well over ten years. Correct. Yep. No. Well, not not not as yet. That's something I've I've thought about, and then I'd need to do it and not put it on the back burner, but it's something I do need to I do need to arrange. Because yeah. It's yeah. I've gotta work out the the well, not the cheapest way, but the most cost effective way of doing it. Because, yeah, if anything does happen, I mean, you're okay. I've got the life insurance that will cover the expenses and maybe even the rest of the mortgage, but, yeah, the beneficiary is really only one. And if there's no will, then it becomes it becomes an issue. Yes. Yep. What? Yep. Oh, yeah. Look. There's there's ways. Yeah. There's people I can ask. Yep. And I'll I'll have to I'll have to find that on. I know it's I know it's not cheap, but it's it's gotta be done. Yep. Oh, yeah. Well, look. I'm I'm planning to pay it right off because usually you don't wanna you don't wanna have a you don't wanna have a mortgage hanging over your head when you retired. Because the financial strain is is significant. I mean, I'll let it look. I mean, you had a project, but I mean, just that's just a little bit at a time chipping away, but they're they're my main they're my main things because you look yeah. I'd I'd in the next, well, fifteen, sixteen years, I'd like to retire. But at the moment, I don't know if that's actually gonna be possible. For what what's in this what's in the last time I checked in the super account and then with everything that's been going on lately financially. So yeah. And, basically yeah. Look. Last time I was I can't remember who I spoke to you. We were on track to be I can't remember how much it was. If it was gonna be 600,000, I don't I don't remember. But or when I retired, but at at basically, yeah, whatever whatever you obviously, you guys do this stuff every day. So if you've got to move or move or change anything to to get the maximum return, and then, obviously, yeah, with with my financial contributions. 20 two. Yeah. Yeah. Yeah. Yep. Mhmm. Right at this moment, no. But I I have got I have if you send it, that's fine. I I will have a look through it. Yes, sir. What? Yep. Oh, no. Yep. Yep. Yeah. No. Leave it. Leave it because yeah. Leave leave it pick yeah. Yep. Right. Yeah. Yes, sir. Good. Yep. Yes. Yes. Yep. Yeah. Okay. Yes. Yep. Okay. Yes. Uh-huh. Oh, okay. No. We should be we should be good. I mean, look, if there's something that later on you guys deem, then, you know, I'd look, you know, you should think out and say, look. You know, this is what we think, but what what where do we go from here? Yeah. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yeah. Okay. Yep. Mhmm. Okay. No. That should be all good. Yep. Yep. No worries. No. I should be fine. Like I said, if there's anything that you guys at any point see, like, what that I I do remember seeing that email in March. But, yeah, something like that. Yeah. Look. Let's let's move towards it. But, yeah, look. I'll just tell them, look. Put this amount extra a year, and that'll, I mean, look, $2,000 a year. Multiply that by thing. Yeah. It it will make a significant yeah. Yep. Fine. Yep. Yep. Yep. No worries. No problem. No worries. And, likewise, have a good evening. Okay. 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Yes. Good. Yes. Yep.\n\nYes. Sorry. No. I'm hitting my headset just wanted to pack it in. Okay.\n\nFull name, Carlos. Date of birth, '77. Address 3, Bampier Close In Craigieburn, Victoria 3064. What's that? Extremely.\n\nYeah. No worries. Well, look. Just basically touching base to see, you know, are we on track for when I retire? I am planning on I'm just gonna work it out.\n\nIt's probably not this pay period, but probably beginning next week or the week after. I'm probably gonna be informing work to start putting some contributions in. Yeah. Because I understand that that can probably save me a little bit on on my income tax. Look, probably probably $50 a week at this stage.\n\nRoughly. So Yep. Yep. It's about that. Yeah.\n\nNo. No. Look. I I I know I know roughly how much I'm paying every week, and it's yeah. I mean, putting putting that putting that 50 off towards I mean, you look, it's probably not gonna show much, but I think it's probably gonna it's probably gonna save me a bit.\n\nOkay. Yeah. Is it Yep. So at the moment, yeah, I don't know what if there's anything that needs to change from your end the way you do your settings or what gets invested into where at this point. Yep.\n\nYep. Yep. Yep. Correct. Yep.\n\nYes. Yes. Yeah. Look. I haven't had it valued, but it it'll be yeah.\n\nRight. Still ramped probably a little bit more now. Well, I I don't know. But at at least at at least that. Yeah.\n\nYeah. Roughly. Yeah. Yeah. Yeah.\n\nThis sounds about right. Yes. Nothing's really much no. No. No.\n\nI haven't owned I haven't I haven't owned a credit card for well over ten years. Correct. Yep. No. Well, not not not as yet.\n\nThat's something I've I've thought about, and then I'd need to do it and not put it on the back burner, but it's something I do need to I do need to arrange. Because yeah. It's yeah. I've gotta work out the the well, not the cheapest way, but the most cost effective way of doing it. Because, yeah, if anything does happen, I mean, you're okay.\n\nI've got the life insurance that will cover the expenses and maybe even the rest of the mortgage, but, yeah, the beneficiary is really only one. And if there's no will, then it becomes it becomes an issue. Yes. Yep. What?\n\nYep. Oh, yeah. Look. There's there's ways. Yeah.\n\nThere's people I can ask. Yep. And I'll I'll have to I'll have to find that on. I know it's I know it's not cheap, but it's it's gotta be done. Yep.\n\nOh, yeah. Well, look. I'm I'm planning to pay it right off because usually you don't wanna you don't wanna have a you don't wanna have a mortgage hanging over your head when you retired. Because the financial strain is is significant. I mean, I'll let it look.\n\nI mean, you had a project, but I mean, just that's just a little bit at a time chipping away, but they're they're my main they're my main things because you look yeah. I'd I'd in the next, well, fifteen, sixteen years, I'd like to retire. But at the moment, I don't know if that's actually gonna be possible. For what what's in this what's in the last time I checked in the super account and then with everything that's been going on lately financially. So yeah.\n\nAnd, basically yeah. Look. Last time I was I can't remember who I spoke to you. We were on track to be I can't remember how much it was. If it was gonna be 600,000, I don't I don't remember.\n\nBut or when I retired, but at at basically, yeah, whatever whatever you obviously, you guys do this stuff every day. So if you've got to move or move or change anything to to get the maximum return, and then, obviously, yeah, with with my financial contributions. 20 two. Yeah. Yeah.\n\nYeah. Yep. Mhmm. Right at this moment, no. But I I have got I have if you send it, that's fine.\n\nI I will have a look through it. Yes, sir. What? Yep. Oh, no.\n\nYep. Yep. Yeah. No. Leave it.\n\nLeave it because yeah. Leave leave it pick yeah. Yep. Right. Yeah.\n\nYes, sir. Good. Yep. Yes. Yes.\n\nYep. Yeah. Okay. Yes. Yep.\n\nOkay. Yes. Uh-huh. Oh, okay. No.\n\nWe should be we should be good. I mean, look, if there's something that later on you guys deem, then, you know, I'd look, you know, you should think out and say, look. You know, this is what we think, but what what where do we go from here? Yeah. Yep.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYeah. Okay. Yep. Mhmm. Okay.\n\nNo. That should be all good. Yep. Yep. No worries.\n\nNo. I should be fine. Like I said, if there's anything that you guys at any point see, like, what that I I do remember seeing that email in March. But, yeah, something like that. Yeah.\n\nLook. Let's let's move towards it. But, yeah, look. I'll just tell them, look. Put this amount extra a year, and that'll, I mean, look, $2,000 a year.\n\nMultiply that by thing. Yeah. It it will make a significant yeah. Yep. Fine.\n\nYep. Yep. Yep. No worries. No problem.\n\nNo worries. And, likewise, have a good evening. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.03517443686723709},{"text":"Yes.","start":4.7999997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.1455465853214264},{"text":"Good.","start":6.3199997,"end":6.8199997,"sentiment":"positive","sentiment_score":0.3502075970172882},{"text":"Yes.","start":15.2,"end":15.7,"sentiment":"neutral","sentiment_score":0.18390905857086184},{"text":"Yep.","start":22.845001,"end":23.345001,"sentiment":"neutral","sentiment_score":0.10073339939117432}],"sentiment":"neutral","sentiment_score":0.16311421543359755,"num_words":5,"start":1.4399999,"end":23.345001},{"sentences":[{"text":"Yes.","start":42.12,"end":42.36,"sentiment":"neutral","sentiment_score":0.008789400570094585},{"text":"Sorry.","start":42.36,"end":42.6,"sentiment":"neutral","sentiment_score":-0.09353839606046677},{"text":"No.","start":42.6,"end":42.76,"sentiment":"neutral","sentiment_score":-0.2186695337295532},{"text":"I'm hitting my headset just wanted to pack it in.","start":42.76,"end":45.935,"sentiment":"neutral","sentiment_score":-0.2645358845591545},{"text":"Okay.","start":45.995003,"end":46.495003,"sentiment":"neutral","sentiment_score":0.003504933789372444}],"sentiment":"neutral","sentiment_score":-0.21037660293014987,"num_words":14,"start":42.12,"end":46.495003},{"sentences":[{"text":"Full name, Carlos.","start":48.155003,"end":49.215,"sentiment":"neutral","sentiment_score":0.013535450212657452},{"text":"Date of birth, '77.","start":50.555,"end":53.375,"sentiment":"neutral","sentiment_score":0.017528926953673363},{"text":"Address 3, Bampier Close In Craigieburn, Victoria 3064.","start":56.235,"end":60.495003,"sentiment":"neutral","sentiment_score":0.011131977196782827},{"text":"What's that?","start":65.79,"end":66.53,"sentiment":"neutral","sentiment_score":0.03297073021531105},{"text":"Extremely.","start":70.189995,"end":70.689995,"sentiment":"neutral","sentiment_score":0.07803823798894882}],"sentiment":"neutral","sentiment_score":0.01909764302480552,"num_words":18,"start":48.155003,"end":70.689995},{"sentences":[{"text":"Yeah.","start":74.67,"end":74.909996,"sentiment":"neutral","sentiment_score":0.036124661564826965},{"text":"No worries.","start":74.909996,"end":75.525,"sentiment":"neutral","sentiment_score":-0.005647275596857072},{"text":"Well, look.","start":85.045,"end":85.525,"sentiment":"neutral","sentiment_score":0.023244448006153107},{"text":"Just basically touching base to see, you know, are we on track for when I retire?","start":85.525,"end":94.04,"sentiment":"neutral","sentiment_score":0.029291814542375505},{"text":"I am planning on I'm just gonna work it out.","start":95.54,"end":97.78,"sentiment":"neutral","sentiment_score":0.016110467072576285}],"sentiment":"neutral","sentiment_score":0.022615893864102902,"num_words":31,"start":74.67,"end":97.78},{"sentences":[{"text":"It's probably not this pay period, but probably beginning next week or the week after.","start":97.78,"end":102.12,"sentiment":"neutral","sentiment_score":0.010047178653379282},{"text":"I'm probably gonna be informing work to start putting some contributions in.","start":102.595,"end":107.895,"sentiment":"neutral","sentiment_score":0.04626327597846588},{"text":"Yeah.","start":111.555,"end":111.795,"sentiment":"neutral","sentiment_score":0.13566434383392334},{"text":"Because I understand that that can probably save me a little bit on on my income tax.","start":111.795,"end":116.64,"sentiment":"neutral","sentiment_score":0.19061519512358835},{"text":"Look, probably probably $50 a week at this 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haven't had it valued, but it it'll be yeah.","start":320.21002,"end":322.69,"sentiment":"neutral","sentiment_score":-0.037800505943596366}],"sentiment":"neutral","sentiment_score":-0.024898973227079426,"num_words":14,"start":309.025,"end":322.69},{"sentences":[{"text":"Right.","start":322.69,"end":322.93002,"sentiment":"neutral","sentiment_score":-0.025637278333306313},{"text":"Still ramped probably a little bit more now.","start":322.93002,"end":325.09003,"sentiment":"neutral","sentiment_score":-0.06855723122134805},{"text":"Well, I I don't know.","start":325.09003,"end":326.21002,"sentiment":"neutral","sentiment_score":-0.07820294499397278},{"text":"But at at least at at least 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it becomes an issue.","start":436.28,"end":441.535,"sentiment":"neutral","sentiment_score":-0.1382763059809804},{"text":"Yes.","start":452.315,"end":452.76,"sentiment":"neutral","sentiment_score":0.12801599502563477},{"text":"Yep.","start":458.68002,"end":459.18002,"sentiment":"neutral","sentiment_score":0.0826624259352684},{"text":"What?","start":463.72,"end":464.22,"sentiment":"neutral","sentiment_score":0.03524639829993248}],"sentiment":"neutral","sentiment_score":-0.001467034811290299,"num_words":41,"start":426.91998,"end":464.22},{"sentences":[{"text":"Yep.","start":468.28,"end":468.735,"sentiment":"neutral","sentiment_score":0.02186503075063229},{"text":"Oh, yeah.","start":473.775,"end":474.25497,"sentiment":"neutral","sentiment_score":-0.001321642193943262},{"text":"Look.","start":474.25497,"end":474.495,"sentiment":"neutral","sentiment_score":-0.009503176435828207},{"text":"There's there's ways.","start":474.495,"end":475.29498,"sentiment":"neutral","sentiment_score":-0.012171425856649876},{"text":"Yeah.","start":475.29498,"end":475.53497,"sentiment":"neutral","sentiment_score":0.0012364750728011131}],"sentiment":"neutral","sentiment_score":-0.0031949040712788697,"num_words":8,"start":468.28,"end":475.53497},{"sentences":[{"text":"There's people I can ask.","start":475.53497,"end":476.995,"sentiment":"neutral","sentiment_score":0.003483357094228268},{"text":"Yep.","start":477.055,"end":477.29498,"sentiment":"neutral","sentiment_score":0.044710494577884674},{"text":"And I'll I'll have to I'll have to find that on.","start":477.29498,"end":480.495,"sentiment":"neutral","sentiment_score":0.08068787780675021},{"text":"I know it's I know it's not cheap, but it's it's gotta be 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financially.","start":556.105,"end":563.88495,"sentiment":"neutral","sentiment_score":-0.02280418001688444},{"text":"So yeah.","start":569.32,"end":570.44,"sentiment":"neutral","sentiment_score":-0.04561980813741684}],"sentiment":"neutral","sentiment_score":-0.010014498336026552,"num_words":87,"start":536.33496,"end":570.44},{"sentences":[{"text":"And, basically yeah.","start":570.44,"end":571.24,"sentiment":"neutral","sentiment_score":-0.023682661975423496},{"text":"Look.","start":571.24,"end":571.56,"sentiment":"neutral","sentiment_score":-0.014411484822630882},{"text":"Last time I was I can't remember who I spoke to you.","start":571.56,"end":573.48,"sentiment":"neutral","sentiment_score":-0.03816461035360893},{"text":"We were on track to be I can't remember how much it was.","start":573.48,"end":576.92,"sentiment":"neutral","sentiment_score":-0.03114151868682641},{"text":"If it was gonna be 600,000, I don't I don't remember.","start":576.92,"end":579.82,"sentiment":"neutral","sentiment_score":-0.0676332155073231}],"sentiment":"neutral","sentiment_score":-0.042305997712537645,"num_words":40,"start":570.44,"end":579.82},{"sentences":[{"text":"But or when I retired, but at at basically, yeah, whatever whatever you obviously, you guys do this stuff every day.","start":579.88,"end":587.995,"sentiment":"neutral","sentiment_score":0.06140560789832047},{"text":"So if you've got to move or move or change anything to to get the maximum return, and then, obviously, yeah, with with my financial contributions.","start":587.995,"end":595.935,"sentiment":"neutral","sentiment_score":0.09198331388716514},{"text":"20 two.","start":599.31,"end":600.21,"sentiment":"neutral","sentiment_score":0.05618022568523884},{"text":"Yeah.","start":603.31,"end":603.81,"sentiment":"neutral","sentiment_score":0.001264592632651329},{"text":"Yeah.","start":604.35,"end":604.51,"sentiment":"neutral","sentiment_score":0.03918173536658287}],"sentiment":"neutral","sentiment_score":0.07517432757452422,"num_words":51,"start":579.88,"end":604.51},{"sentences":[{"text":"Yeah.","start":604.51,"end":604.75,"sentiment":"neutral","sentiment_score":0.05957885459065437},{"text":"Yep.","start":604.75,"end":605.25,"sentiment":"neutral","sentiment_score":0.08272816240787506},{"text":"Mhmm.","start":621.785,"end":622.285,"sentiment":"neutral","sentiment_score":-0.0027749664150178432},{"text":"Right at this moment, no.","start":622.745,"end":624.105,"sentiment":"neutral","sentiment_score":-0.030429749563336373},{"text":"But I I have got I have if you send it, that's fine.","start":624.105,"end":627.97003,"sentiment":"neutral","sentiment_score":0.1283769619006377}],"sentiment":"neutral","sentiment_score":0.07887065749881524,"num_words":21,"start":604.51,"end":627.97003},{"sentences":[{"text":"I I will have a look through it.","start":627.97003,"end":629.59,"sentiment":"neutral","sentiment_score":0.20333231426775455},{"text":"Yes, sir.","start":635.09,"end":635.83,"sentiment":"neutral","sentiment_score":0.20322369784116745},{"text":"What?","start":646.715,"end":647.215,"sentiment":"neutral","sentiment_score":0.04041919484734535},{"text":"Yep.","start":662.41003,"end":662.91003,"sentiment":"neutral","sentiment_score":0.1292598694562912},{"text":"Oh, no.","start":667.145,"end":667.72504,"sentiment":"neutral","sentiment_score":0.0486176460981369}],"sentiment":"neutral","sentiment_score":0.16428716188030584,"num_words":14,"start":627.97003,"end":667.72504},{"sentences":[{"text":"Yep.","start":678.105,"end":678.605,"sentiment":"neutral","sentiment_score":0.0958382785320282},{"text":"Yep.","start":684.14,"end":684.64,"sentiment":"neutral","sentiment_score":0.08107700943946838},{"text":"Yeah.","start":708.02997,"end":708.35,"sentiment":"neutral","sentiment_score":0.020797420293092728},{"text":"No.","start":708.35,"end":708.58997,"sentiment":"neutral","sentiment_score":-0.04832414537668228},{"text":"Leave it.","start":708.58997,"end":709.32996,"sentiment":"neutral","sentiment_score":-0.014177627861499786}],"sentiment":"neutral","sentiment_score":0.02017221786081791,"num_words":6,"start":678.105,"end":709.32996},{"sentences":[{"text":"Leave it because yeah.","start":709.39,"end":711.32996,"sentiment":"neutral","sentiment_score":0.12630238197743893},{"text":"Leave leave it pick yeah.","start":712.75,"end":714.93,"sentiment":"neutral","sentiment_score":0.2604654997587204},{"text":"Yep.","start":715.14996,"end":715.64996,"sentiment":"neutral","sentiment_score":0.1040634661912918},{"text":"Right.","start":720.645,"end":721.145,"sentiment":"neutral","sentiment_score":0.04331789910793304},{"text":"Yeah.","start":738.22,"end":738.72,"sentiment":"neutral","sentiment_score":0.04526503011584282}],"sentiment":"neutral","sentiment_score":0.16668195184320211,"num_words":12,"start":709.39,"end":738.72},{"sentences":[{"text":"Yes, sir.","start":769.83,"end":770.97,"sentiment":"positive","sentiment_score":0.45773257315158844},{"text":"Good.","start":771.11,"end":771.61,"sentiment":"positive","sentiment_score":0.7167803049087524},{"text":"Yep.","start":772.70996,"end":773.20996,"sentiment":"neutral","sentiment_score":0.32205045223236084},{"text":"Yes.","start":792.115,"end":792.54,"sentiment":"neutral","sentiment_score":0.18313473463058472},{"text":"Yes.","start":797.1,"end":797.6,"sentiment":"neutral","sentiment_score":0.0972234234213829}],"sentiment":"positive","sentiment_score":0.3724423435827096,"num_words":6,"start":769.83,"end":797.6},{"sentences":[{"text":"Yep.","start":813.285,"end":813.785,"sentiment":"neutral","sentiment_score":0.11315317451953888},{"text":"Yeah.","start":824.51996,"end":825.01996,"sentiment":"neutral","sentiment_score":0.2537127137184143},{"text":"Okay.","start":830.04,"end":830.54,"sentiment":"neutral","sentiment_score":0.016604525968432426},{"text":"Yes.","start":840.065,"end":840.565,"sentiment":"neutral","sentiment_score":0.0925821214914322},{"text":"Yep.","start":854.96,"end":855.46,"sentiment":"neutral","sentiment_score":0.26262545585632324}],"sentiment":"neutral","sentiment_score":0.14773559831082822,"num_words":5,"start":813.285,"end":855.46},{"sentences":[{"text":"Okay.","start":860.495,"end":860.995,"sentiment":"neutral","sentiment_score":0.18232285976409912},{"text":"Yes.","start":875.62,"end":876.12,"sentiment":"neutral","sentiment_score":-0.07405222952365875},{"text":"Uh-huh.","start":892.925,"end":893.425,"sentiment":"neutral","sentiment_score":0.05508493259549141},{"text":"Oh, okay.","start":894.125,"end":894.945,"sentiment":"neutral","sentiment_score":0.06990068405866623},{"text":"No.","start":921.435,"end":921.675,"sentiment":"neutral","sentiment_score":-0.04851756617426872}],"sentiment":"neutral","sentiment_score":0.04243989412983259,"num_words":6,"start":860.495,"end":921.675},{"sentences":[{"text":"We should be we should be good.","start":921.675,"end":922.95496,"sentiment":"neutral","sentiment_score":0.028567883585180556},{"text":"I mean, look, if there's something that later on you guys deem, then, you know, I'd look, you know, you should think out and say, look.","start":922.95496,"end":931.195,"sentiment":"neutral","sentiment_score":0.04648679724106422},{"text":"You know, this is what we think, but what what where do we go from here?","start":931.195,"end":938.77,"sentiment":"neutral","sentiment_score":-0.0013453804422169924},{"text":"Yeah.","start":938.77,"end":939.27,"sentiment":"neutral","sentiment_score":0.09679514169692992},{"text":"Yep.","start":948.21,"end":948.675,"sentiment":"neutral","sentiment_score":0.12241073697805405}],"sentiment":"neutral","sentiment_score":0.03149630794045972,"num_words":51,"start":921.675,"end":948.675},{"sentences":[{"text":"Yep.","start":957.635,"end":958.135,"sentiment":"neutral","sentiment_score":0.1048661768436432},{"text":"Mhmm.","start":993.69,"end":994.19,"sentiment":"neutral","sentiment_score":0.026427363976836205},{"text":"Yep.","start":999.69,"end":1000.19,"sentiment":"neutral","sentiment_score":0.13659971952438354},{"text":"Yep.","start":1001.85,"end":1002.35,"sentiment":"neutral","sentiment_score":0.32626545429229736},{"text":"Mhmm.","start":1034.375,"end":1034.875,"sentiment":"neutral","sentiment_score":0.14488869905471802}],"sentiment":"neutral","sentiment_score":0.14780948273837566,"num_words":5,"start":957.635,"end":1034.875},{"sentences":[{"text":"Yeah.","start":1047.895,"end":1048.295,"sentiment":"neutral","sentiment_score":0.10659261047840118},{"text":"Okay.","start":1048.295,"end":1048.795,"sentiment":"neutral","sentiment_score":0.14323103427886963},{"text":"Yep.","start":1056.64,"end":1057.14,"sentiment":"neutral","sentiment_score":0.2044018805027008},{"text":"Mhmm.","start":1075.295,"end":1075.795,"sentiment":"neutral","sentiment_score":0.13712066411972046},{"text":"Okay.","start":1088.8401,"end":1089.3401,"sentiment":"neutral","sentiment_score":0.08064504712820053}],"sentiment":"neutral","sentiment_score":0.1343982473015785,"num_words":5,"start":1047.895,"end":1089.3401},{"sentences":[{"text":"No.","start":1094.885,"end":1095.365,"sentiment":"neutral","sentiment_score":-0.08277403563261032},{"text":"That should be all good.","start":1095.365,"end":1097.145,"sentiment":"neutral","sentiment_score":0.15613699853420257},{"text":"Yep.","start":1106.7,"end":1107.2,"sentiment":"neutral","sentiment_score":0.22759179770946503},{"text":"Yep.","start":1114.46,"end":1114.96,"sentiment":"positive","sentiment_score":0.3971634805202484},{"text":"No worries.","start":1134.34,"end":1135.0,"sentiment":"neutral","sentiment_score":0.23266735672950745}],"sentiment":"neutral","sentiment_score":0.1788000948727131,"num_words":10,"start":1094.885,"end":1135.0},{"sentences":[{"text":"No.","start":1138.74,"end":1138.98,"sentiment":"neutral","sentiment_score":0.0008526258170604706},{"text":"I should be fine.","start":1138.98,"end":1140.34,"sentiment":"neutral","sentiment_score":0.06817239057272673},{"text":"Like I said, if there's anything that you guys at any point see, like, what that I I do remember seeing that email in March.","start":1140.34,"end":1147.675,"sentiment":"neutral","sentiment_score":0.04627547137439251},{"text":"But, yeah, something like that.","start":1148.535,"end":1149.815,"sentiment":"neutral","sentiment_score":0.08277022764086724},{"text":"Yeah.","start":1149.815,"end":1150.055,"sentiment":"neutral","sentiment_score":0.06658583134412766}],"sentiment":"neutral","sentiment_score":0.05307960950045122,"num_words":36,"start":1138.74,"end":1150.055},{"sentences":[{"text":"Look.","start":1150.055,"end":1150.295,"sentiment":"neutral","sentiment_score":0.06309278309345245},{"text":"Let's let's move towards it.","start":1150.295,"end":1151.575,"sentiment":"neutral","sentiment_score":0.06071028113365173},{"text":"But, yeah, look.","start":1151.575,"end":1152.135,"sentiment":"neutral","sentiment_score":0.030153393124540646},{"text":"I'll just tell them, look.","start":1152.135,"end":1153.355,"sentiment":"neutral","sentiment_score":0.04321847259998322},{"text":"Put this amount extra a year, and that'll, I mean, look, $2,000 a year.","start":1153.495,"end":1157.595,"sentiment":"neutral","sentiment_score":0.052422523232442994}],"sentiment":"neutral","sentiment_score":0.05025400201390896,"num_words":28,"start":1150.055,"end":1157.595},{"sentences":[{"text":"Multiply that by thing.","start":1158.61,"end":1160.2899,"sentiment":"neutral","sentiment_score":0.0522058829665184},{"text":"Yeah.","start":1160.2899,"end":1160.61,"sentiment":"neutral","sentiment_score":0.078589528799057},{"text":"It it will make a significant yeah.","start":1160.61,"end":1163.03,"sentiment":"neutral","sentiment_score":0.05645172431000641},{"text":"Yep.","start":1163.33,"end":1163.83,"sentiment":"neutral","sentiment_score":0.07662175595760345},{"text":"Fine.","start":1164.0499,"end":1164.5499,"sentiment":"neutral","sentiment_score":0.15484872460365295}],"sentiment":"neutral","sentiment_score":0.06528897224260229,"num_words":14,"start":1158.61,"end":1164.5499},{"sentences":[{"text":"Yep.","start":1169.49,"end":1169.99,"sentiment":"neutral","sentiment_score":0.07314129918813705},{"text":"Yep.","start":1173.4099,"end":1173.9099,"sentiment":"neutral","sentiment_score":0.06642575562000275},{"text":"Yep.","start":1186.2649,"end":1186.7649,"sentiment":"neutral","sentiment_score":0.014899550005793571},{"text":"No worries.","start":1189.31,"end":1190.13,"sentiment":"neutral","sentiment_score":0.185537651181221},{"text":"No problem.","start":1192.99,"end":1193.81,"sentiment":"positive","sentiment_score":0.5488669574260712}],"sentiment":"neutral","sentiment_score":0.23189654600407397,"num_words":7,"start":1169.49,"end":1193.81},{"sentences":[{"text":"No worries.","start":1196.43,"end":1196.99,"sentiment":"positive","sentiment_score":0.36764054000377655},{"text":"And, likewise, have a good evening.","start":1196.99,"end":1198.53,"sentiment":"positive","sentiment_score":0.6144670397043228},{"text":"Okay.","start":1201.0701,"end":1201.55,"sentiment":"neutral","sentiment_score":0.18224450945854187},{"text":"Bye.","start":1201.55,"end":1201.8989,"sentiment":"neutral","sentiment_score":0.16786979138851166}],"sentiment":"positive","sentiment_score":0.4772197619080544,"num_words":10,"start":1196.43,"end":1201.8989}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Carla?\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica\n\nChannel 1: Good.\n\nChannel 0: from x u Financial. How are you? That's good. I had your booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and\n\nChannel 1: Yep.\n\nChannel 0: coaching purposes. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? That's\n\nChannel 1: Yes. Sorry. No. I'm hitting my headset just wanted to pack it in. Okay.\n\nChannel 0: okay.\n\nChannel 1: Full name, Carlos. Date of birth, '77.\n\nChannel 0: And just address\n\nChannel 1: Address\n\nChannel 0: this up,\n\nChannel 1: 3,\n\nChannel 0: please.\n\nChannel 1: Bampier Close In Craigieburn, Victoria 3064.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your day been? Been busy?\n\nChannel 1: What's that?\n\nChannel 0: How's your day been so far? Been busy?\n\nChannel 1: Extremely.\n\nChannel 0: Well, I will try my best to make this quick for you and not keep you\n\nChannel 1: Yeah.\n\nChannel 0: on the\n\nChannel 1: No\n\nChannel 0: phone\n\nChannel 1: worries.\n\nChannel 0: for too long. Before I do kind of jump in, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any areas you would like me\n\nChannel 1: Well,\n\nChannel 0: to focus\n\nChannel 1: look. Just\n\nChannel 0: on?\n\nChannel 1: basically touching base to see, you know, are we on track for when I retire?\n\nChannel 0: Mhmm.\n\nChannel 1: I am planning on I'm just gonna work it out. It's probably not this pay period, but probably beginning next week or the week after. I'm probably gonna be informing work to start putting some contributions in.\n\nChannel 0: Oh, yep. Perfect. So salary sacrificing a little bit.\n\nChannel 1: Yeah. Because I understand that that can probably save me a little bit on on my income tax.\n\nChannel 0: Correct. It does. Do you know how much you would like to put in at all?\n\nChannel 1: Look, probably probably $50 a week at this stage.\n\nChannel 0: Yeah. That's good.\n\nChannel 1: Roughly.\n\nChannel 0: And it is\n\nChannel 1: So\n\nChannel 0: yeah. And it is something that you can kind of stop and start whenever you want to with employer as well, so if your situation ever change or cash flow\n\nChannel 1: Yep.\n\nChannel 0: or anything like that change.\n\nChannel 1: Yep.\n\nChannel 0: And is your income about 90,000, or did that change?\n\nChannel 1: It's about that. Yeah.\n\nChannel 0: Yeah. Because even paycalculator.com.au, have you ever used that?\n\nChannel 1: No.\n\nChannel 0: No. It is a really good website where you can kind of play around with different amounts to see how a how much tax is saved and how much extra super you get. And\n\nChannel 1: No.\n\nChannel 0: when\n\nChannel 1: Look.\n\nChannel 0: you do\n\nChannel 1: I I\n\nChannel 0: go\n\nChannel 1: I know I know roughly how much I'm paying every week, and it's yeah.\n\nChannel 0: so you can see yeah.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: mean,\n\nChannel 0: it\n\nChannel 1: putting\n\nChannel 0: is good.\n\nChannel 1: putting that putting that 50 off towards I mean, you look, it's probably not gonna show much, but I think it's probably gonna it's probably gonna save me a bit.\n\nChannel 0: Yeah. And I can even do that for you. So if on a weekly, you're looking at $50, in income tax saving in a year, it will be about $832.\n\nChannel 1: Okay.\n\nChannel 0: And then you have net tax savings because contributions going into super are still taxed, but it is taxed concessionally at 15%, which is obviously a lot less than your marginal tax rate, which is at the 30. So that's why you do save a bit on on the tax, and at the same time, you do boost superannuation. So the net tax savings is 442. So it does make a bit of a difference.\n\nChannel 1: Yeah.\n\nChannel 0: And then, obviously, the the money that you do put into super then accumulates\n\nChannel 1: Is it\n\nChannel 0: and compounds as well.\n\nChannel 1: Yep. So\n\nChannel 0: And\n\nChannel 1: at\n\nChannel 0: it\n\nChannel 1: the\n\nChannel 0: will\n\nChannel 1: moment,\n\nChannel 0: be\n\nChannel 1: yeah, I don't know what if there's anything that needs to change from your end the way you do your settings or what gets invested into where at this\n\nChannel 0: Yep.\n\nChannel 1: point.\n\nChannel 0: And I can and I can kind of run through a bit of that with you today.\n\nChannel 1: Yep.\n\nChannel 0: And so just for your reference, if you do put about $50 a week in, it's about 2,600 a year. So it does make a bit of a difference, plus, obviously, your employer putting about 10,800 in if they pay just that standard 12%. So it does\n\nChannel 1: Yep.\n\nChannel 0: make a bit of a difference. Now just quickly run through a bit of a fact fund with you as well to see if there's anything else that has changed for you before I kind of go into your superannuation performance and what's happened in\n\nChannel 1: Yep.\n\nChannel 0: the last twelve months. So kind of bear with me as I go through this, and I'll try to make it quick for you. Now when it comes to your personal details, I have you down here as married with no financial dependent. Is that correct?\n\nChannel 1: Yep. Correct. Yep.\n\nChannel 0: Perfect. And next up, can I have Carla nominated? Is that still the case as well? Yep. Beautiful.\n\nNow employment wise, as you're still working as a service\n\nChannel 1: Yes.\n\nChannel 0: technician, none\n\nChannel 1: Yes.\n\nChannel 0: of that's changed. Perfect. Asset wise, I have your property was lost by at about 600,000. Is that still roughly the case as well?\n\nChannel 1: Yeah. Look. I haven't had it valued, but it it'll be yeah. Right. Still ramped probably a little bit more now.\n\nWell, I I don't know. But\n\nChannel 0: No. That's\n\nChannel 1: at at\n\nChannel 0: okay.\n\nChannel 1: least at at least that. Yeah.\n\nChannel 0: At least. Okay. And do you have about $2.50 owing on the mortgage?\n\nChannel 1: Yeah. Roughly. Yeah.\n\nChannel 0: Roughly? Perfect. And I also have here three motor vehicles. One valued at about 25, and the other two combined about 10.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. This sounds about right.\n\nChannel 0: Perfect. And also about 1,500 is an offset account.\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Nothing's\n\nChannel 0: Any\n\nChannel 1: really\n\nChannel 0: other\n\nChannel 1: much\n\nChannel 0: assets\n\nChannel 1: no.\n\nChannel 0: that's changed? It's not perfect. Any other liabilities, like personal loans, credit card, ship pay, all\n\nChannel 1: No.\n\nChannel 0: the same? Perfect.\n\nChannel 1: No.\n\nChannel 0: Health\n\nChannel 1: I\n\nChannel 0: and lifestyle\n\nChannel 1: haven't owned\n\nChannel 0: line?\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: haven't I haven't owned a credit card for well over ten years.\n\nChannel 0: Oh, that's good. That's really good. And health and lifestyle wise, so have you here as a nonsmoker, but still the case as well?\n\nChannel 1: Correct. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: No.\n\nChannel 0: Any significant changes to your health or injuries or anything in the site? Beautiful. Nice and easy. Estate planning. Do you have a will in place or a power of attorney or anything like that?\n\nChannel 1: Well, not not not as yet. That's something I've I've thought about, and then I'd need to do it and not put it on the back burner, but it's something I do need to I do need to arrange.\n\nChannel 0: Yep. On the to do list.\n\nChannel 1: Because yeah. It's yeah. I've gotta work out the the well, not the cheapest way, but the most cost effective way of doing it.\n\nChannel 0: Yep.\n\nChannel 1: Because, yeah,\n\nChannel 0: And\n\nChannel 1: if anything does happen, I mean, you're okay. I've got the life insurance that will cover the expenses and maybe even the rest of the mortgage, but, yeah, the beneficiary is really only one.\n\nChannel 0: Yep.\n\nChannel 1: And if there's no will, then it becomes it becomes an issue.\n\nChannel 0: And yes. And so with your super, it doesn't form part of the estate. So with your super, I can see here that you have Carla nominated at a 100%,\n\nChannel 1: Yes.\n\nChannel 0: and it is a valid nomination. So if anything were to happen to you, it would go to her. But you\n\nChannel 1: Yep.\n\nChannel 0: are correct. Obviously, all your other assets, it is good to have a will in place, making\n\nChannel 1: What?\n\nChannel 0: sure that your other assets do get distributed according to how you want it.\n\nChannel 1: Yep.\n\nChannel 0: Do you have do you know lack of a lawyer or anything that you\n\nChannel 1: Oh, yeah. Look. There's there's ways. Yeah. There's people\n\nChannel 0: okay.\n\nChannel 1: I can ask. Yep. And\n\nChannel 0: Oh,\n\nChannel 1: I'll\n\nChannel 0: great.\n\nChannel 1: I'll have\n\nChannel 0: Perfect.\n\nChannel 1: to I'll have to find that on. I know it's I know it's not cheap, but it's it's gotta be done.\n\nChannel 0: Yes. Yep. And there are obviously shop around a little bit, but some are cheaper than others. So, yeah, it's good that you have people that you can ask. So on the to do list.\n\nOtherwise, kind of goals that you are working towards, I have, obviously, aside from getting the rules sorted that your main focus, otherwise, is just to tryna pay down the mortgages as much as possible before retirement.\n\nChannel 1: Yep.\n\nChannel 0: Is that still kind of the main focus\n\nChannel 1: Oh, yeah.\n\nChannel 0: aside\n\nChannel 1: Well,\n\nChannel 0: from\n\nChannel 1: look. I'm I'm\n\nChannel 0: yep.\n\nChannel 1: planning to pay it right off because usually you don't wanna you don't wanna have a you don't wanna have a mortgage hanging over your head\n\nChannel 0: Yes.\n\nChannel 1: when you retired.\n\nChannel 0: Yes. Yep. Exactly.\n\nChannel 1: Because\n\nChannel 0: And\n\nChannel 1: the\n\nChannel 0: try\n\nChannel 1: financial\n\nChannel 0: not to reduce\n\nChannel 1: strain\n\nChannel 0: that.\n\nChannel 1: is is significant.\n\nChannel 0: Yep. Yeah. No. That that's a good goal. Is\n\nChannel 1: I\n\nChannel 0: there anything else that you're working towards otherwise\n\nChannel 1: mean, I'll let it look.\n\nChannel 0: or\n\nChannel 1: I mean,\n\nChannel 0: is that\n\nChannel 1: you had\n\nChannel 0: main\n\nChannel 1: a project,\n\nChannel 0: focus?\n\nChannel 1: but I mean, just that's just a little bit at a time chipping away, but they're they're my main\n\nChannel 0: Yeah.\n\nChannel 1: they're my main things because you look yeah. I'd I'd in the next, well, fifteen, sixteen years, I'd like to retire. But at the moment, I don't know if that's actually gonna be possible.\n\nChannel 0: Yeah. Yeah. And\n\nChannel 1: For what what's in this what's in the last time I checked in the super account and then with everything that's been going on lately financially.\n\nChannel 0: yep. Been a bit of fluctuation in the world the last twelve months.\n\nChannel 1: So yeah. And, basically yeah. Look. Last time I was I can't remember who I spoke to you. We were on track to be I can't remember how much it was.\n\nIf it was gonna be 600,000, I don't I don't remember. But or when I retired, but at at basically, yeah, whatever whatever you obviously, you guys do this stuff every day. So if you've got to\n\nChannel 0: Yes.\n\nChannel 1: move or move or\n\nChannel 0: Yeah.\n\nChannel 1: change anything to to get the maximum return, and then, obviously, yeah, with with my financial contributions.\n\nChannel 0: Exactly. It does make a difference. And\n\nChannel 1: 20\n\nChannel 0: with\n\nChannel 1: two.\n\nChannel 0: that act sorry. Are you still\n\nChannel 1: Yeah.\n\nChannel 0: there, Carla?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yeah. No. And with the super as well there for you, I have just sent you an email actually with some documents, and part of that is actually showing what's happened to your portfolio. Do you have access to your emails at the moment?\n\nChannel 1: Mhmm. Right at this moment, no. But I I\n\nChannel 0: That's\n\nChannel 1: have\n\nChannel 0: okay.\n\nChannel 1: got I have if you send it, that's fine. I I will have a look through it.\n\nChannel 0: Okay. Perfect. So if you're happy for me to do so, I'll just kind of briefly run through the documents. And then\n\nChannel 1: Yes, sir.\n\nChannel 0: later, when you have time, have a look through them. If you have any questions or anything like that, just let me know. But with your super end insurances, see if I'll touch on that one first.\n\nChannel 1: What?\n\nChannel 0: So that is one of the attachments I have sent through to you. Now that one shows you your your superannuation at the moment is with Netwealth, and you do have about a $111,568 in there.\n\nChannel 1: Yep.\n\nChannel 0: Now you do have some insurance as well. So you have some insurance with\n\nChannel 1: Oh, no.\n\nChannel 0: Netwealth. Yeah. And what you have is life insurance and total permanent disability insurance, and\n\nChannel 1: Yep.\n\nChannel 0: that is 479,576. And\n\nChannel 1: Yep.\n\nChannel 0: that you also have an income protection, and that will pay you a monthly amount of 5,413 per month. You have a sixty day waiting period and a two age benefit period of sixty five. For all three, the total premium is 4,950. Are you still happy with the level of cover and stuff that you have for\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: No.\n\nChannel 0: insurances?\n\nChannel 1: Leave it. Leave it\n\nChannel 0: Yep.\n\nChannel 1: because\n\nChannel 0: Perfect.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Leave\n\nChannel 0: It gives\n\nChannel 1: leave\n\nChannel 0: you the\n\nChannel 1: it\n\nChannel 0: peace\n\nChannel 1: pick\n\nChannel 0: of mind\n\nChannel 1: yeah.\n\nChannel 0: if something\n\nChannel 1: Yep.\n\nChannel 0: happens. Yeah. Perfect. Especially the income protection, it does go for to age 65.\n\nChannel 1: Right.\n\nChannel 0: So so that's that's pretty good. Now the other documents I can have sent there for you is a performance report. Now that one is the one that gives you a bit of an offset on your portfolio. So let me just\n\nChannel 1: Yeah.\n\nChannel 0: load that here for you. So kind of like you touched on, we have seen a lot of fluctuations in the market in the last twelve months. First, we obviously had everything in The US and Trump and tariffs and everything, and obviously more recently with the war, everything that's going on. But besides that, though, your portfolio has done really well. So in the last twelve months, after fees, your portfolio is still up by 11%, which we're\n\nChannel 1: Yes,\n\nChannel 0: really happy with.\n\nChannel 1: sir.\n\nChannel 0: So that\n\nChannel 1: Good.\n\nChannel 0: is really good.\n\nChannel 1: Yep.\n\nChannel 0: And with that kind of active approach you mentioned as well, we have actually made a switch for you. So I don't know if you saw the email. Let me just check when it was sent to it. You didn't have to sign it or anything, but that was just for your records because it is obviously something we've reset all your investments all the time, making sure\n\nChannel 1: Yes.\n\nChannel 0: that we do have you in the best options possible for\n\nChannel 1: Yes.\n\nChannel 0: what's happening in the world. So for your investment, it is something that we and the investment committee constantly review. So on the March 13, I believe, we sent you an email just letting you know that we have made the decision to make a switch for one of your investments.\n\nChannel 1: Yep.\n\nChannel 0: And that was your Benelon Australian Equities, and we swapped that one because that one was a bit more recently. When you first came on board and up until quite recently, it was doing really well. It was one\n\nChannel 1: Yeah.\n\nChannel 0: of their best performing fund managers, and they were doing really, really well.\n\nChannel 1: Okay.\n\nChannel 0: More more recently, kind of underperformed a little bit. And if that is the case, then we don't foresee moving you know, coming back around. We wanna swap it out like you exactly touched on. So\n\nChannel 1: Yes.\n\nChannel 0: we have swapped it out for another one, which is called your beta shares Australia 200. So still focusing on swapping one Australian investment for another one to still give you the diversification throughout your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: But the Benelon Australian equity is a little bit cheaper and have performed a little bit better for you. So moving forward as well, it\n\nChannel 1: Okay.\n\nChannel 0: position you in a better position. So yeah. So that was sent to you. If you do wanna read on a little bit more, there is a bit more information in regards to it, and that was on the March 13. Sometimes it ends up in the spam\n\nChannel 1: Yes.\n\nChannel 0: folder as well. But, yeah, we have made that decision recently to make sure we do have you in the best position. So things are kind of on track at the moment and doing well despite all the stuff going on in the world. So very happy with the way things have happened in the last twelve months.\n\nChannel 1: Uh-huh. Oh, okay.\n\nChannel 0: And and now the other documents sorry. With your with your investments as well, we currently have you invested in a growth portfolio. And I know we've kind of gone through that risk profile with you a couple of times, and most of the times you have come out as a as a growth investor there for you. Has any of your risk tolerance or changes or anything happened, or are you still comfortable with the same level of of of risk?\n\nChannel 1: No. We should be we should be good. I mean, look, if\n\nChannel 0: We\n\nChannel 1: there's\n\nChannel 0: should be\n\nChannel 1: something\n\nChannel 0: good.\n\nChannel 1: that later on you guys deem,\n\nChannel 0: Yes.\n\nChannel 1: then, you know, I'd look, you know, you should think out and say, look.\n\nChannel 0: Well,\n\nChannel 1: You know,\n\nChannel 0: look.\n\nChannel 1: this is\n\nChannel 0: Yeah.\n\nChannel 1: what we think, but\n\nChannel 0: Yes.\n\nChannel 1: what what where do we go from here? Yeah.\n\nChannel 0: And that's exactly right. Because where you are right now so in a typical growth portfolio, we do wanna allow at least six years until retirement, making\n\nChannel 1: Yep.\n\nChannel 0: sure you have enough time in the market for those fluctuations because you're still focusing on, you know, growing your super as much as possible while you do still have plenty of\n\nChannel 1: Yep.\n\nChannel 0: time until retirement. There will be some level of fluctuations short term to try and grow that. And asset wise, we're looking at about 80% in your growth investments. So that's, like, your Australian shares, international shares, property, and commodities, and then about 20% in defensive, like, cash, gold, fixed interest as well. So from a time frame point of view, you are still in a good position in that growth.\n\nLike you said as well, the closer you do get to retirement, that's when we then wanna potentially look at slowly reducing that a little bit when you have\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit less time because you don't have the same, you know, capacity for those fluctuations to come back around. Does that all make\n\nChannel 1: Yep.\n\nChannel 0: sense? And you're happy with all that? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now almost at the end, and I will let let you go. The other documents you will see when you have a moment and looking at them, it is just a bit of a breakdown of your insurances, just a bit more information, but lets you know that's all paid and up to date. And then you'll also have an updated financial services guide and an Oakview services guide. You would have seen we've gone through this a couple of times with you.\n\nIt's just a bit of an updated version. All the important information is\n\nChannel 1: Mhmm.\n\nChannel 0: still there about us, but it's a bit of an update through to marketing, and we've had a bit of an extension to the team, which is good. So when you do have a look at it, you'll also see me on page 10, I believe, if you do wanna put a face to the voice.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Perfect. Now the last thing is then if you're happy to do so, it will ask you to sign two documents. Now\n\nChannel 1: Yep.\n\nChannel 0: the first one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the ongoing advice fee that stays exactly the same at 1.65, So no\n\nChannel 1: Mhmm.\n\nChannel 0: changes in regards to the fee structure. And then the last thing is a tax file number form. It's just a compliance form to say we are keeping your tax file number secure on file for you.\n\nChannel 1: Okay.\n\nChannel 0: Do you have any questions in regards to any of those kind of documents at this point there, Carlo?\n\nChannel 1: No. That should be all good.\n\nChannel 0: Yep. Okay. Perfect. So when you have a moment, have a look through them. If you have any questions, let me know, or\n\nChannel 1: Yep.\n\nChannel 0: we can always book you in for a bit of a catch up to go through anything. But if you do have a read through it and you're happy with everything and it all makes sense, if\n\nChannel 1: Yep.\n\nChannel 0: you would then wanna press sign now, it will then ask you to sign those two documents, and then it will send it through to me, and I will get the team to get that sorted and updated for you. And I'll make a little note here as well to keep a lookout for that salary sacrifice, and then we should see a little bit more of that compound return for you, which is a good idea.\n\nChannel 1: No worries.\n\nChannel 0: Perfect. Now do you have any other questions or need anything else\n\nChannel 1: No.\n\nChannel 0: from\n\nChannel 1: I\n\nChannel 0: me?\n\nChannel 1: should be fine. Like I said, if there's anything\n\nChannel 0: Okay.\n\nChannel 1: that you guys at any point see, like, what that\n\nChannel 0: Yes.\n\nChannel 1: I I do remember seeing that email in March.\n\nChannel 0: The email? Beautiful.\n\nChannel 1: But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: something like that. Yeah. Look. Let's let's move towards it. But, yeah, look.\n\nI'll just tell\n\nChannel 0: Yes.\n\nChannel 1: them, look. Put this amount extra a year, and that'll, I mean, look, $2,000 a year.\n\nChannel 0: Yeah.\n\nChannel 1: Multiply\n\nChannel 0: It\n\nChannel 1: that\n\nChannel 0: makes\n\nChannel 1: by thing. Yeah. It it will make\n\nChannel 0: yeah.\n\nChannel 1: a significant\n\nChannel 0: It makes a big\n\nChannel 1: yeah.\n\nChannel 0: difference.\n\nChannel 1: Yep.\n\nChannel 0: Exactly.\n\nChannel 1: Fine.\n\nChannel 0: And you're still well under the cap space because that's one thing to be mindful of with the salary sacrifice,\n\nChannel 1: Yep.\n\nChannel 0: is staying under the concessional cap of 30,000,\n\nChannel 1: Yep.\n\nChannel 0: which you are under. So at the moment, you have plenty of space for that, so that is good as well. If anything does change and you decide that you wanna put heaps in, just let me know first so I can run the numbers for you. But,\n\nChannel 1: Yep.\n\nChannel 0: yeah, otherwise, you do have you do have a bit of space for that.\n\nChannel 1: No worries.\n\nChannel 0: Yep. Perfect. Well, thank you so much for your time this afternoon,\n\nChannel 1: No problem.\n\nChannel 0: Paula. I will let you go and enjoy the rest of your afternoon.\n\nChannel 1: No worries. And, likewise, have a good evening.\n\nChannel 0: Thank you so much. We'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.03517443686723709}],"sentiment":"neutral","sentiment_score":0.03517443686723709,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Good afternoon.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.27943072468042374},{"text":"Is this Carla?","start":3.28,"end":4.18,"sentiment":"neutral","sentiment_score":0.1178881898522377}],"sentiment":"neutral","sentiment_score":0.18250520378351212,"channel":0,"num_words":5,"start":2.6399999,"end":4.18},{"sentences":[{"text":"Yes.","start":4.7999997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.1455465853214264}],"sentiment":"neutral","sentiment_score":0.1455465853214264,"channel":1,"num_words":1,"start":4.7999997,"end":5.2999997},{"sentences":[{"text":"This is Veronica","start":5.8399997,"end":6.72,"sentiment":"neutral","sentiment_score":0.16490929325421652}],"sentiment":"neutral","sentiment_score":0.16490929325421652,"channel":0,"num_words":3,"start":5.8399997,"end":6.72},{"sentences":[{"text":"Good.","start":6.3199997,"end":6.8199997,"sentiment":"positive","sentiment_score":0.3502075970172882}],"sentiment":"positive","sentiment_score":0.3502075970172882,"channel":1,"num_words":1,"start":6.3199997,"end":6.8199997},{"sentences":[{"text":"from x u Financial.","start":6.72,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.2588604874908924},{"text":"How are you?","start":7.9199996,"end":8.66,"sentiment":"neutral","sentiment_score":0.20081089437007904},{"text":"That's good.","start":10.16,"end":11.139999,"sentiment":"positive","sentiment_score":0.7267127633094788},{"text":"I had your booked in to go over your annual review.","start":11.28,"end":13.44,"sentiment":"positive","sentiment_score":0.543124491518194},{"text":"Is now still a good time for you?","start":13.44,"end":15.015,"sentiment":"positive","sentiment_score":0.42247363924980164}],"sentiment":"positive","sentiment_score":0.44448066715683254,"channel":0,"num_words":28,"start":6.72,"end":15.015},{"sentences":[{"text":"Yes.","start":15.2,"end":15.7,"sentiment":"neutral","sentiment_score":0.18390905857086184}],"sentiment":"neutral","sentiment_score":0.18390905857086184,"channel":1,"num_words":1,"start":15.2,"end":15.7},{"sentences":[{"text":"Yeah.","start":16.215,"end":16.715,"sentiment":"neutral","sentiment_score":0.27265551686286926},{"text":"Perfect.","start":16.775,"end":17.275,"sentiment":"positive","sentiment_score":0.430267870426178},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and","start":17.495,"end":22.935,"sentiment":"neutral","sentiment_score":0.08817247301340103}],"sentiment":"neutral","sentiment_score":0.10842548998502585,"channel":0,"num_words":26,"start":16.215,"end":22.935},{"sentences":[{"text":"Yep.","start":22.845001,"end":23.345001,"sentiment":"neutral","sentiment_score":0.10073339939117432}],"sentiment":"neutral","sentiment_score":0.10073339939117432,"channel":1,"num_words":1,"start":22.845001,"end":23.345001},{"sentences":[{"text":"coaching purposes.","start":22.935,"end":23.915,"sentiment":"neutral","sentiment_score":0.11122692003846169},{"text":"Perfect.","start":24.375,"end":24.875,"sentiment":"neutral","sentiment_score":0.24173808097839355},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please?","start":25.895,"end":34.0,"sentiment":"neutral","sentiment_score":0.06292017695627042},{"text":"That's","start":41.435,"end":41.935,"sentiment":"neutral","sentiment_score":0.015307048335671425}],"sentiment":"neutral","sentiment_score":0.070039497630205,"channel":0,"num_words":32,"start":22.935,"end":41.935},{"sentences":[{"text":"Yes.","start":42.12,"end":42.36,"sentiment":"neutral","sentiment_score":0.008789400570094585},{"text":"Sorry.","start":42.36,"end":42.6,"sentiment":"neutral","sentiment_score":-0.09353839606046677},{"text":"No.","start":42.6,"end":42.76,"sentiment":"neutral","sentiment_score":-0.2186695337295532},{"text":"I'm hitting my headset just wanted to pack it in.","start":42.76,"end":45.935,"sentiment":"neutral","sentiment_score":-0.2645358845591545},{"text":"Okay.","start":45.995003,"end":46.495003,"sentiment":"neutral","sentiment_score":0.003504933789372444}],"sentiment":"neutral","sentiment_score":-0.21037660293014987,"channel":1,"num_words":14,"start":42.12,"end":46.495003},{"sentences":[{"text":"okay.","start":47.755,"end":48.255,"sentiment":"neutral","sentiment_score":0.020215600728988647}],"sentiment":"neutral","sentiment_score":0.020215600728988647,"channel":0,"num_words":1,"start":47.755,"end":48.255},{"sentences":[{"text":"Full name, Carlos.","start":48.155003,"end":49.215,"sentiment":"neutral","sentiment_score":0.013535450212657452},{"text":"Date of birth, '77.","start":50.555,"end":53.375,"sentiment":"neutral","sentiment_score":0.017528926953673363}],"sentiment":"neutral","sentiment_score":0.0158174369218094,"channel":1,"num_words":7,"start":48.155003,"end":53.375},{"sentences":[{"text":"And just address","start":55.69,"end":56.41,"sentiment":"neutral","sentiment_score":0.008967196258405846}],"sentiment":"neutral","sentiment_score":0.008967196258405846,"channel":0,"num_words":3,"start":55.69,"end":56.41},{"sentences":[{"text":"Address","start":56.235,"end":56.635002,"sentiment":"neutral","sentiment_score":0.005391970276832581}],"sentiment":"neutral","sentiment_score":0.005391970276832581,"channel":1,"num_words":1,"start":56.235,"end":56.635002},{"sentences":[{"text":"this up,","start":56.41,"end":56.81,"sentiment":"neutral","sentiment_score":0.00758105143904686}],"sentiment":"neutral","sentiment_score":0.00758105143904686,"channel":0,"num_words":2,"start":56.41,"end":56.81},{"sentences":[{"text":"3,","start":56.635002,"end":56.955,"sentiment":"neutral","sentiment_score":0.0048826271668076515}],"sentiment":"neutral","sentiment_score":0.0048826271668076515,"channel":1,"num_words":1,"start":56.635002,"end":56.955},{"sentences":[{"text":"please.","start":56.81,"end":57.31,"sentiment":"neutral","sentiment_score":0.004314483143389225}],"sentiment":"neutral","sentiment_score":0.004314483143389225,"channel":0,"num_words":1,"start":56.81,"end":57.31},{"sentences":[{"text":"Bampier Close In Craigieburn, Victoria 3064.","start":56.955,"end":60.495003,"sentiment":"neutral","sentiment_score":0.013130203355103731}],"sentiment":"neutral","sentiment_score":0.013130203355103731,"channel":1,"num_words":6,"start":56.955,"end":60.495003},{"sentences":[{"text":"Yep.","start":60.809998,"end":61.21,"sentiment":"neutral","sentiment_score":0.1274317502975464},{"text":"Perfect.","start":61.21,"end":61.61,"sentiment":"positive","sentiment_score":0.4816458821296692},{"text":"That's exactly what I have here.","start":61.61,"end":63.15,"sentiment":"positive","sentiment_score":0.511251762509346},{"text":"How's your day been?","start":63.21,"end":64.17,"sentiment":"neutral","sentiment_score":0.13972950354218483},{"text":"Been busy?","start":64.17,"end":64.91,"sentiment":"neutral","sentiment_score":-0.01246050838381052}],"sentiment":"neutral","sentiment_score":0.3007560860631721,"channel":0,"num_words":14,"start":60.809998,"end":64.91},{"sentences":[{"text":"What's that?","start":65.79,"end":66.53,"sentiment":"neutral","sentiment_score":0.03297073021531105}],"sentiment":"neutral","sentiment_score":0.03297073021531105,"channel":1,"num_words":2,"start":65.79,"end":66.53},{"sentences":[{"text":"How's your day been so far?","start":66.744995,"end":68.265,"sentiment":"neutral","sentiment_score":0.054311310251553856},{"text":"Been busy?","start":68.265,"end":69.005,"sentiment":"neutral","sentiment_score":0.002925875596702099}],"sentiment":"neutral","sentiment_score":0.041464951587840915,"channel":0,"num_words":8,"start":66.744995,"end":69.005},{"sentences":[{"text":"Extremely.","start":70.189995,"end":70.689995,"sentiment":"neutral","sentiment_score":0.07803823798894882}],"sentiment":"neutral","sentiment_score":0.07803823798894882,"channel":1,"num_words":1,"start":70.189995,"end":70.689995},{"sentences":[{"text":"Well, I will try my best to make this quick for you and not keep 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x u Financial contacts Carla to discuss her annual review and personal details, including retirement plans and employment history. The representative confirms Carla's personal information and discusses her net tax savings, health and injuries, and retirement plans. The agent suggests reducing risk when retirement is closer and provides detailed information on investments and risk tolerance. The customer is given time to sign documents and updated financial services guide, and given the chance to speak again if needed."},"intents":{"segments":[{"text":"I had your booked in to go over your annual review. Is now still a good time for you?","start_word":20,"end_word":38,"intents":[{"intent":"Schedule annual review","confidence_score":0.025179038}]},{"text":"I'm hitting my headset just wanted to pack it in. Okay.","start_word":102,"end_word":112,"intents":[{"intent":"Pack headset","confidence_score":0.0005549173}]},{"text":"Just on? basically touching base to see, you know, are we on track for when I retire? Mhmm.","start_word":227,"end_word":244,"intents":[{"intent":"Inquire about retirement plans","confidence_score":0.18961969}]},{"text":"So salary sacrificing a little bit. Yeah. Because I understand that that can probably save me a little bit on on my income tax. Correct. It does.","start_word":285,"end_word":311,"intents":[{"intent":"Discuss salary savings","confidence_score":0.022898497}]},{"text":"Now when it comes to your personal details, I have you down here as married with no financial dependent. Is that correct? Yep. Correct.","start_word":804,"end_word":827,"intents":[{"intent":"Confirm personal details","confidence_score":0.011638672}]},{"text":"I haven't had it valued, but it it'll be yeah. Right. Still ramped probably a little bit more now. Well, I I don't know. But No. That's at at okay. least at at least that. Yeah. At least. Okay. And do you have about $2.50 owing on the mortgage? Yeah. Roughly.","start_word":887,"end_word":937,"intents":[{"intent":"Inquire about property value","confidence_score":0.012155775}]},{"text":"And do you have about $2.50 owing on the mortgage? Yeah. Roughly.","start_word":926,"end_word":937,"intents":[{"intent":"Inquire about owing money","confidence_score":0.009549488}]},{"text":"Any other liabilities, like personal loans, credit card, ship pay, all the No. same?","start_word":991,"end_word":1004,"intents":[{"intent":"Inquire about other assets","confidence_score":0.10786444}]},{"text":"And health and lifestyle wise, so have you here as a nonsmoker, but still the case as well? Correct.","start_word":1035,"end_word":1053,"intents":[{"intent":"Verify identity","confidence_score":0.00028970238}]},{"text":"Estate planning. Do you have a will in place or a power of attorney or anything like that?","start_word":1073,"end_word":1090,"intents":[{"intent":"Discuss estate planning","confidence_score":0.20423767}]},{"text":"I've gotta work out the the well, not the cheapest way, but the most cost effective way of doing it. Yep.","start_word":1140,"end_word":1160,"intents":[{"intent":"Understand cost","confidence_score":0.0007237026}]},{"text":"I've got the life insurance that will cover the expenses and maybe even the rest of the mortgage, but, yeah, the beneficiary is really only one. Yep.","start_word":1172,"end_word":1198,"intents":[{"intent":"Discuss inheritance nominee","confidence_score":0.00032770593}]},{"text":"and it is a valid nomination. So if anything were to happen to you, it would go to her. But you Yep.","start_word":1242,"end_word":1263,"intents":[{"intent":"Discuss mayoral election","confidence_score":0.0000011947935}]},{"text":"Do you have do you know lack of a lawyer or anything that you Oh, yeah.","start_word":1297,"end_word":1312,"intents":[{"intent":"Confirm lawyer requirement","confidence_score":0.000011379259}]},{"text":"But with your super end insurances, see if I'll touch on that one first. What?","start_word":1852,"end_word":1866,"intents":[{"intent":"Change insurance coverage","confidence_score":0.011684182}]},{"text":"So in the last twelve months, after fees, your portfolio is still up by 11%, which we're Yes, really happy with.","start_word":2147,"end_word":2167,"intents":[{"intent":"Share portfolio updates","confidence_score":0.033502076}]},{"text":"So still focusing on swapping one Australian investment for another one to still give you the diversification throughout your portfolio.","start_word":2417,"end_word":2436,"intents":[{"intent":"Discuss portfolio diversification","confidence_score":0.102078214}]},{"text":"So still focusing on swapping one Australian investment for another one to still give you the diversification throughout your portfolio. 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Sometimes it ends up in the spam Yes.","start_word":2477,"end_word":2511,"intents":[{"intent":"Provide information","confidence_score":0.049663704}]},{"text":"Has any of your risk tolerance or changes or anything happened, or are you still comfortable with the same level of of of risk?","start_word":2631,"end_word":2654,"intents":[{"intent":"Explain risk tolerance","confidence_score":0.007899524},{"intent":"Clarify risk tolerance","confidence_score":0.012269705}]},{"text":"No.","start_word":2655,"end_word":2655,"intents":[{"intent":"Clarify investment requirements","confidence_score":0.0002884913}]},{"text":"No. We should be we should be good. I mean, look, if We there's should be something good. that later on you guys deem, Yes. then, you know, I'd look, you know, you should think out and say, look. Well, You know, look. this is Yeah. what we think, but Yes. what what where do we go from here? Yeah.","start_word":2655,"end_word":2714,"intents":[{"intent":"Decline recommendations","confidence_score":0.00017758047}]},{"text":"Because where you are right now so in a typical growth portfolio, we do wanna allow at least six years until retirement, making Yep.","start_word":2719,"end_word":2742,"intents":[{"intent":"Clarify investment timeline","confidence_score":0.00031376805}]},{"text":"So from a time frame point of view, you are still in a good position in that growth. Like you said as well, the closer you do get to retirement, that's when we then wanna potentially look at slowly reducing that a little bit when you have Mhmm. a little bit less time because you don't have the same, you know, capacity for those fluctuations to come back around. Does that all make Yep.","start_word":2829,"end_word":2902,"intents":[{"intent":"Improve asset performance","confidence_score":0.001919595}]},{"text":"Do you have any questions in regards to any of those kind of documents at this point there, Carlo?","start_word":3177,"end_word":3195,"intents":[{"intent":"Address questions","confidence_score":0.0018084518}]},{"text":"we can always book you in for a bit of a catch up to go through anything.","start_word":3225,"end_word":3241,"intents":[{"intent":"Schedule catch up","confidence_score":0.0017882871}]},{"text":"I I do remember seeing that email in March. The email?","start_word":3379,"end_word":3389,"intents":[{"intent":"Mention email","confidence_score":0.009963802}]},{"text":"Put this amount extra a year, and that'll, I mean, look, $2,000 a year. Yeah.","start_word":3413,"end_word":3427,"intents":[{"intent":"Offer increase in salary sacrifice","confidence_score":0.000004733242}]},{"text":"And you're still well under the cap space because that's one thing to be mindful of with the salary sacrifice, Yep. is staying under the concessional cap of 30,000, Yep. which you are under. So at the moment, you have plenty of space for that, so that is good as well.","start_word":3451,"end_word":3501,"intents":[{"intent":"Confirm cap space","confidence_score":0.0246323}]},{"text":"If anything does change and you decide that you wanna put heaps in, just let me know first so I can run the numbers for you. But, Yep.","start_word":3502,"end_word":3529,"intents":[{"intent":"Discuss changes","confidence_score":0.024267161}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Carla? Yes. This is Veronica Good. from x u Financial. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1968393921852112},{"text":"That's good. I had your booked in to go over your annual review. Is now still a good time for you?","start_word":18,"end_word":38,"sentiment":"positive","sentiment_score":0.5228192806243896},{"text":"Yes. Yeah.","start_word":39,"end_word":40,"sentiment":"neutral","sentiment_score":0.2282822877168655},{"text":"Perfect.","start_word":41,"end_word":41,"sentiment":"positive","sentiment_score":0.430267870426178},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and Yep. coaching purposes. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address, please? That's Yes. Sorry. No. I'm hitting my headset just wanted to pack it in. Okay. okay. Full name, Carlos. Date of birth, '77. And just address Address this up, 3, please. Bampier Close In Craigieburn, Victoria 3064. Yep.","start_word":42,"end_word":135,"sentiment":"neutral","sentiment_score":0.017402827739715576},{"text":"Perfect. That's exactly what I have here.","start_word":136,"end_word":142,"sentiment":"positive","sentiment_score":0.4934278130531311},{"text":"How's your day been? Been busy? What's that? How's your day been so far? Been busy? Extremely. Well, I will try my best to make this quick for you and not keep you Yeah. on the No phone worries. for too long. Before I do kind of jump in, I do like to start by asking you if there is anything specific that you were hoping to get out of the review today or any areas you would like me Well, to focus look. Just on? basically touching base to see, you know, are we on track for when I retire? Mhmm. I am planning on I'm just gonna work it out. It's probably not this pay period, but probably beginning next week or the week after. I'm probably gonna be informing work to start putting some contributions in. Oh, yep. Perfect. So salary sacrificing a little bit. Yeah. Because I understand that that can probably save me a little bit on on my income tax. Correct. It does. Do you know how much you would like to put in at all? Look, probably probably $50 a week at this stage. Yeah. That's good. Roughly. And it is So yeah. And it is something that you can kind of stop and start whenever you want to with employer as well, so if your situation ever change or cash flow Yep. or anything like that change. Yep. And is your income about 90,000, or did that change? It's about that. Yeah. Yeah. Because even paycalculator.com.au, have you ever used that? No. No. It is a really good website where you can kind of play around with different amounts to see how a how much tax is saved and how much extra super you get. And No. when Look. you do I I go I know I know roughly how much I'm paying every week, and it's yeah. so you can see yeah.","start_word":143,"end_word":463,"sentiment":"neutral","sentiment_score":0.08444168091377366},{"text":"I And mean, it putting is good. putting that putting that 50 off towards I mean, you look, it's probably not gonna show much, but I think it's probably gonna it's probably gonna save me a bit. Yeah. And I can even do that for you. So if on a weekly, you're looking at $50, in income tax saving in a year, it will be about $832.","start_word":464,"end_word":530,"sentiment":"positive","sentiment_score":0.4174519181251526},{"text":"Okay. And then you have net tax savings because contributions going into super are still taxed, but it is taxed concessionally at 15%, which is obviously a lot less than your marginal tax rate, which is at the 30.","start_word":531,"end_word":569,"sentiment":"neutral","sentiment_score":0.30236202478408813},{"text":"So that's why you do save a bit on on the tax, and at the same time, you do boost superannuation. So the net tax savings is 442. So it does make a bit of a difference.","start_word":570,"end_word":606,"sentiment":"positive","sentiment_score":0.47616881132125854},{"text":"Yeah. And then, obviously, the the money that you do put into super then accumulates Is it and compounds as well. Yep. So And at it the will moment, be yeah, I don't know what if there's anything that needs to change from your end the way you do your settings or what gets invested into where at this Yep. point. And I can and I can kind of run through a bit of that with you today. Yep. And so just for your reference, if you do put about $50 a week in, it's about 2,600 a year. So it does make a bit of a difference, plus, obviously, your employer putting about 10,800 in if they pay just that standard 12%.","start_word":607,"end_word":729,"sentiment":"neutral","sentiment_score":0.12313902777869529},{"text":"So it does Yep. make a bit of a difference.","start_word":730,"end_word":739,"sentiment":"positive","sentiment_score":0.39883628487586975},{"text":"Now just quickly run through a bit of a fact fund with you as well to see if there's anything else that has changed for you before I kind of go into your superannuation performance and what's happened in Yep. the last twelve months. So kind of bear with me as I go through this, and I'll try to make it quick for you. Now when it comes to your personal details, I have you down here as married with no financial dependent. Is that correct? Yep. Correct. Yep.","start_word":740,"end_word":828,"sentiment":"neutral","sentiment_score":0.06175273284316063},{"text":"Perfect.","start_word":829,"end_word":829,"sentiment":"positive","sentiment_score":0.3993108868598938},{"text":"And next up, can I have Carla nominated? Is that still the case as well? Yep.","start_word":830,"end_word":845,"sentiment":"neutral","sentiment_score":0.13391751050949097},{"text":"Beautiful.","start_word":846,"end_word":846,"sentiment":"positive","sentiment_score":0.4036652445793152},{"text":"Now employment wise, as you're still working as a service Yes. technician, none Yes. of that's changed. Perfect. Asset wise, I have your property was lost by at about 600,000. Is that still roughly the case as well? Yeah. Look. I haven't had it valued, but it it'll be yeah. Right. Still ramped probably a little bit more now. Well, I I don't know. But No. That's at at okay. least at at least that. Yeah. At least. Okay. And do you have about $2.50 owing on the mortgage? Yeah. Roughly. Yeah. Roughly? Perfect. And I also have here three motor vehicles. One valued at about 25, and the other two combined about 10. Yeah. Yep. Yeah. This sounds about right. Perfect. And also about 1,500 is an offset account. Yes. Yep. Nothing's Any really other much assets no. that's changed? It's not perfect. Any other liabilities, like personal loans, credit card, ship pay, all the No. same? Perfect. No. Health I and lifestyle haven't owned line? I Yep. haven't I haven't owned a credit card for well over ten years. Oh, that's good.","start_word":847,"end_word":1030,"sentiment":"neutral","sentiment_score":-0.01747998595237732},{"text":"That's really good.","start_word":1031,"end_word":1033,"sentiment":"positive","sentiment_score":0.479596734046936},{"text":"And health and lifestyle wise, so have you here as a nonsmoker, but still the case as well? Correct. Yep.","start_word":1034,"end_word":1053,"sentiment":"neutral","sentiment_score":0.06965526193380356},{"text":"Perfect.","start_word":1054,"end_word":1054,"sentiment":"positive","sentiment_score":0.4843392372131348},{"text":"No. Any significant changes to your health or injuries or anything in the site?","start_word":1055,"end_word":1068,"sentiment":"neutral","sentiment_score":-0.010604111477732658},{"text":"Beautiful. Nice and easy. Estate planning.","start_word":1069,"end_word":1074,"sentiment":"positive","sentiment_score":0.5752143263816833},{"text":"Do you have a will in place or a power of attorney or anything like that? Well, not not not as yet. That's something I've I've thought about, and then I'd need to do it and not put it on the back burner, but it's something I do need to I do need to arrange. Yep. On the to do list. Because yeah. It's yeah. I've gotta work out the the well, not the cheapest way, but the most cost effective way of doing it. Yep. Because, yeah, And if anything does happen, I mean, you're okay. I've got the life insurance that will cover the expenses and maybe even the rest of the mortgage, but, yeah, the beneficiary is really only one. Yep. And if there's no will, then it becomes it becomes an issue. And yes. And so with your super, it doesn't form part of the estate. So with your super, I can see here that you have Carla nominated at a 100%, Yes. and it is a valid nomination. So if anything were to happen to you, it would go to her. But you Yep. are correct. Obviously, all your other assets, it is good to have a will in place, making What? sure that your other assets do get distributed according to how you want it. Yep. Do you have do you know lack of a lawyer or anything that you Oh, yeah. Look. There's there's ways. Yeah. There's people okay. I can ask. Yep. And Oh, I'll great. I'll have Perfect. to I'll have to find that on. I know it's I know it's not cheap, but it's it's gotta be done. Yes. Yep. And there are obviously shop around a little bit, but some are cheaper than others.","start_word":1075,"end_word":1369,"sentiment":"neutral","sentiment_score":0.02582130953669548},{"text":"So, yeah, it's good that you have people that you can ask. So on the to do list.","start_word":1370,"end_word":1387,"sentiment":"positive","sentiment_score":0.6899877786636353},{"text":"Otherwise, kind of goals that you are working towards, I have, obviously, aside from getting the rules sorted that your main focus, otherwise, is just to tryna pay down the mortgages as much as possible before retirement. Yep. Is that still kind of the main focus Oh, yeah. aside Well, from look. I'm I'm yep. planning to pay it right off because usually you don't wanna you don't wanna have a you don't wanna have a mortgage hanging over your head Yes. when you retired. Yes. Yep. Exactly. Because And the try financial not to reduce strain that. is is significant. Yep. Yeah. No.","start_word":1388,"end_word":1491,"sentiment":"neutral","sentiment_score":0.1103537529706955},{"text":"That that's a good goal.","start_word":1492,"end_word":1496,"sentiment":"positive","sentiment_score":0.461995393037796},{"text":"Is I there anything else that you're working towards otherwise mean, I'll let it look. or I mean, is that you had main a project, focus? but I mean, just that's just a little bit at a time chipping away, but they're they're my main Yeah. they're my main things because you look yeah. I'd I'd in the next, well, fifteen, sixteen years, I'd like to retire. But at the moment, I don't know if that's actually gonna be possible. Yeah. Yeah. And For what what's in this what's in the last time I checked in the super account and then with everything that's been going on lately financially. yep. Been a bit of fluctuation in the world the last twelve months. So yeah. And, basically yeah. Look. Last time I was I can't remember who I spoke to you. We were on track to be I can't remember how much it was. If it was gonna be 600,000, I don't I don't remember. But or when I retired, but at at basically, yeah, whatever whatever you obviously, you guys do this stuff every day. So if you've got to Yes. move or move or Yeah. change anything to to get the maximum return, and then, obviously, yeah, with with my financial contributions.","start_word":1497,"end_word":1709,"sentiment":"neutral","sentiment_score":0.003007150084619791},{"text":"Exactly. It does make a difference.","start_word":1710,"end_word":1715,"sentiment":"positive","sentiment_score":0.5555399656295776},{"text":"And 20 with two. that act sorry. Are you still Yeah. there, Carla? Yeah. Yeah. Yep. Yeah. No. And with the super as well there for you, I have just sent you an email actually with some documents, and part of that is actually showing what's happened to your portfolio. Do you have access to your emails at the moment? Mhmm. Right at this moment, no. But I I That's have okay. got I have if you send it, that's fine. I I will have a look through it. Okay.","start_word":1716,"end_word":1805,"sentiment":"neutral","sentiment_score":0.07495881617069244},{"text":"Perfect. So if you're happy for me to do so, I'll just kind of briefly run through the documents.","start_word":1806,"end_word":1824,"sentiment":"positive","sentiment_score":0.3760034739971161},{"text":"And then Yes, sir. later, when you have time, have a look through them. If you have any questions or anything like that, just let me know. But with your super end insurances, see if I'll touch on that one first. What? So that is one of the attachments I have sent through to you. Now that one shows you your your superannuation at the moment is with Netwealth, and you do have about a $111,568 in there. Yep. Now you do have some insurance as well. So you have some insurance with Oh, no. Netwealth. Yeah. And what you have is life insurance and total permanent disability insurance, and Yep. that is 479,576. And Yep. that you also have an income protection, and that will pay you a monthly amount of 5,413 per month. You have a sixty day waiting period and a two age benefit period of sixty five. For all three, the total premium is 4,950. Are you still happy with the level of cover and stuff that you have for Yeah. your No. insurances? Leave it. Leave it Yep. because Perfect. yeah. Yeah. Leave It gives leave you the it peace pick of mind yeah. if something Yep. happens. Yeah.","start_word":1825,"end_word":2028,"sentiment":"neutral","sentiment_score":0.11064857244491576},{"text":"Perfect.","start_word":2029,"end_word":2029,"sentiment":"positive","sentiment_score":0.488261878490448},{"text":"Especially the income protection, it does go for to age 65. Right.","start_word":2030,"end_word":2041,"sentiment":"neutral","sentiment_score":0.22653698921203613},{"text":"So so that's that's pretty good.","start_word":2042,"end_word":2047,"sentiment":"positive","sentiment_score":0.7688077092170715},{"text":"Now the other documents I can have sent there for you is a performance report. Now that one is the one that gives you a bit of an offset on your portfolio. So let me just Yeah. load that here for you. So kind of like you touched on, we have seen a lot of fluctuations in the market in the last twelve months. First, we obviously had everything in The US and Trump and tariffs and everything, and obviously more recently with the war, everything that's going on. But besides that, though, your portfolio has done really well.","start_word":2048,"end_word":2146,"sentiment":"neutral","sentiment_score":0.07025879621505737},{"text":"So in the last twelve months, after fees, your portfolio is still up by 11%, which we're Yes, really happy with. sir. So that Good. is really good.","start_word":2147,"end_word":2174,"sentiment":"positive","sentiment_score":0.463674932718277},{"text":"Yep. And with that kind of active approach you mentioned as well, we have actually made a switch for you. So I don't know if you saw the email. Let me just check when it was sent to it. You didn't have to sign it or anything, but that was just for your records because it is obviously something we've reset all your investments all the time, making sure Yes. that we do have you in the best options possible for Yes. what's happening in the world. So for your investment, it is something that we and the investment committee constantly review. So on the March 13, I believe, we sent you an email just letting you know that we have made the decision to make a switch for one of your investments. Yep. And that was your Benelon Australian Equities, and we swapped that one because that one was a bit more recently. When you first came on board and up until quite recently, it was doing really well. It was one Yeah. of their best performing fund managers, and they were doing really, really well. Okay. More more recently, kind of underperformed a little bit. And if that is the case, then we don't foresee moving you know, coming back around. We wanna swap it out like you exactly touched on. So Yes. we have swapped it out for another one, which is called your beta shares Australia 200. So still focusing on swapping one Australian investment for another one to still give you the diversification throughout your portfolio. Yep. But the Benelon Australian equity is a little bit cheaper and have performed a little bit better for you. So moving forward as well, it Okay. position you in a better position. So yeah. So that was sent to you. If you do wanna read on a little bit more, there is a bit more information in regards to it, and that was on the March 13. Sometimes it ends up in the spam Yes. folder as well. But, yeah, we have made that decision recently to make sure we do have you in the best position.","start_word":2175,"end_word":2533,"sentiment":"neutral","sentiment_score":0.12991065673094274},{"text":"So things are kind of on track at the moment and doing well despite all the stuff going on in the world. So very happy with the way things have happened in the last twelve months.","start_word":2534,"end_word":2569,"sentiment":"positive","sentiment_score":0.5964416265487671},{"text":"Uh-huh. Oh, okay. And and now the other documents sorry. With your with your investments as well, we currently have you invested in a growth portfolio. And I know we've kind of gone through that risk profile with you a couple of times, and most of the times you have come out as a as a growth investor there for you. Has any of your risk tolerance or changes or anything happened, or are you still comfortable with the same level of of of risk? No. We should be we should be good. I mean, look, if We there's should be something good. that later on you guys deem, Yes. then, you know, I'd look, you know, you should think out and say, look. Well, You know, look. this is Yeah. what we think, but Yes. what what where do we go from here? Yeah. And that's exactly right. Because where you are right now so in a typical growth portfolio, we do wanna allow at least six years until retirement, making Yep. sure you have enough time in the market for those fluctuations because you're still focusing on, you know, growing your super as much as possible while you do still have plenty of Yep. time until retirement. There will be some level of fluctuations short term to try and grow that. And asset wise, we're looking at about 80% in your growth investments. So that's, like, your Australian shares, international shares, property, and commodities, and then about 20% in defensive, like, cash, gold, fixed interest as well.","start_word":2570,"end_word":2828,"sentiment":"neutral","sentiment_score":0.086945418541726},{"text":"So from a time frame point of view, you are still in a good position in that growth.","start_word":2829,"end_word":2846,"sentiment":"positive","sentiment_score":0.6345453262329102},{"text":"Like you said as well, the closer you do get to retirement, that's when we then wanna potentially look at slowly reducing that a little bit when you have Mhmm. a little bit less time because you don't have the same, you know, capacity for those fluctuations to come back around. Does that all make Yep. sense?","start_word":2847,"end_word":2903,"sentiment":"neutral","sentiment_score":0.08259299397468567},{"text":"And you're happy with all that?","start_word":2904,"end_word":2909,"sentiment":"positive","sentiment_score":0.3726370632648468},{"text":"Yep. Yep.","start_word":2910,"end_word":2911,"sentiment":"neutral","sentiment_score":0.28430959582328796},{"text":"Perfect.","start_word":2912,"end_word":2912,"sentiment":"positive","sentiment_score":0.5702970623970032},{"text":"Now almost at the end, and I will let let you go. The other documents you will see when you have a moment and looking at them, it is just a bit of a breakdown of your insurances, just a bit more information, but lets you know that's all paid and up to date. And then you'll also have an updated financial services guide and an Oakview services guide. You would have seen we've gone through this a couple of times with you. It's just a bit of an updated version. All the important information is Mhmm. still there about us, but it's a bit of an update through to marketing, and we've had a bit of an extension to the team, which is good. So when you do have a look at it, you'll also see me on page 10, I believe, if you do wanna put a face to the voice. Yeah. Okay. Yep.","start_word":2913,"end_word":3068,"sentiment":"neutral","sentiment_score":0.1901606172323227},{"text":"Perfect.","start_word":3069,"end_word":3069,"sentiment":"positive","sentiment_score":0.3876539468765259},{"text":"Now the last thing is then if you're happy to do so, it will ask you to sign two documents. Now Yep.","start_word":3070,"end_word":3091,"sentiment":"neutral","sentiment_score":0.2134830206632614},{"text":"the first one is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start_word":3092,"end_word":3115,"sentiment":"positive","sentiment_score":0.397897869348526},{"text":"There is no changes whatsoever in regards to the ongoing advice fee that stays exactly the same at 1.65, So no Mhmm. changes in regards to the fee structure. And then the last thing is a tax file number form. It's just a compliance form to say we are keeping your tax file number secure on file for you. Okay. Do you have any questions in regards to any of those kind of documents at this point there, Carlo? No. That should be all good. Yep.","start_word":3116,"end_word":3201,"sentiment":"neutral","sentiment_score":0.17795748315578283},{"text":"Okay. Perfect. So when you have a moment, have a look through them.","start_word":3202,"end_word":3214,"sentiment":"positive","sentiment_score":0.3942154347896576},{"text":"If you have any questions, let me know, or Yep. we can always book you in for a bit of a catch up to go through anything.","start_word":3215,"end_word":3241,"sentiment":"neutral","sentiment_score":0.2720656096935272},{"text":"But if you do have a read through it and you're happy with everything and it all makes sense, if Yep. you would then wanna press sign now, it will then ask you to sign those two documents, and then it will send it through to me, and I will get the team to get that sorted and updated for you. And I'll make a little note here as well to keep a lookout for that salary sacrifice, and then we should see a little bit more of that compound return for you, which is a good idea.","start_word":3242,"end_word":3339,"sentiment":"positive","sentiment_score":0.5015223026275635},{"text":"No worries.","start_word":3340,"end_word":3341,"sentiment":"neutral","sentiment_score":0.2410476803779602},{"text":"Perfect.","start_word":3342,"end_word":3342,"sentiment":"positive","sentiment_score":0.4068187773227692},{"text":"Now do you have any other questions or need anything else No. from I me? should be fine. Like I said, if there's anything Okay. that you guys at any point see, like, what that Yes. I I do remember seeing that email in March. The email? Beautiful. But, yeah, Yep. something like that. Yeah. Look. Let's let's move towards it. But, yeah, look. I'll just tell Yes. them, look. Put this amount extra a year, and that'll, I mean, look, $2,000 a year. Yeah. Multiply It that makes by thing. Yeah. It it will make yeah. a significant It makes a big yeah. difference. Yep. Exactly. Fine. And you're still well under the cap space because that's one thing to be mindful of with the salary sacrifice, Yep. is staying under the concessional cap of 30,000, Yep. which you are under. So at the moment, you have plenty of space for that, so that is good as well. If anything does change and you decide that you wanna put heaps in, just let me know first so I can run the numbers for you. But, Yep. yeah, otherwise, you do have you do have a bit of space for that. No worries. Yep.","start_word":3343,"end_word":3546,"sentiment":"neutral","sentiment_score":0.08381030149757862},{"text":"Perfect. Well, thank you so much for your time this afternoon, No problem. Paula. I will let you go and enjoy the rest of your afternoon. No worries. And, likewise, have a good evening. Thank you so much. We'll speak soon.","start_word":3547,"end_word":3587,"sentiment":"positive","sentiment_score":0.645281970500946},{"text":"Okay. Bye. Okay. Bye.","start_word":3588,"end_word":3591,"sentiment":"neutral","sentiment_score":0.1451636552810669}],"average":{"sentiment":"neutral","sentiment_score":0.14078550673469517}}}}