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Yes. Yeah. Okay. No worries. I will try not to keep you for too long. That's all good. All good. If you have to go, though, just just let me know. Yeah. Perfect. Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, just so I can confirm I'm speaking with the right person, I do have a password on file. Do you know where that might be? Yeah. Beautiful. And how's your day been? Been a bit busy? I can't imagine. Now before I kind of do jump into the under review there with you, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus a little bit extra on, or whether it's just a bit of a catch up and see where everything's at? Nah? Alright. Perfect. So what I might do first is just to quickly go through just a bit of an updated fact time just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just kinda bear with me as I confirm this. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yep. Perfect. And when it comes to employment wise, you're still self employed? Yep. Perfect. Now I do have income here last time we spoke at around 50,000. Is that still the case? That's how much you're gonna pay yourself? Around that, or how much would you say? About 40? Okay. Perfect. Yeah. And when it comes to your superannuation as well, Are you making any contributions yourself into super at the moment? Okay. No. That's okay. If it is yep. Bit of yep. No. That's fine. Obviously, if you do end up putting a little bit in at some point this year, and if you do, the end, wanna claim that notice of intent at the end of this one issue, just let us know. Or if you do want any, you know, assistance with different contributions as well. Yeah. Yeah. Yeah. Perfect. Now you did say you recently bought another property. Is that an investment property or just changed the one you guys are living in? Oh, yeah. And how much is just so I have the right address. Let me just triple check for you. Is that the one at 9 Duroin Drive? Okay. Perfect. So that's your new property? Ah, perfect. All good. How I have it valued at about $9.50. Does that sound about right? Yeah. Like, if you were to sell it today, about millionth call. And how much do you guys have on the mortgage? Do you know roughly? Okay. Perfect. So you own that one. And the other property, is that an investment property? Yeah. Okay. So you said it's like a land like a land at the moment? Oh, yeah. Yeah. And valued at about 600,000? Valued at about 600, do you think? About yep. And mortgage about $1.50 for that one? About $1.60. Perfect. And I also have here a motor vehicle valued at about 140,000. Around that. And do you own that one outright, or do you have a loan? Alright. Yeah. Perfect. Any other assets we've that's changed in the last twelve months? Yeah. Oh, yeah. And how much is that one worth? Still any perfect and anything owing on it? Okay. So how do you like, the set the 70 owing or, like, 60, or how much do you think? About about 60. Perfect. Anything else? And when it comes to health and lifestyle, still a nonsmoker? Yeah. Perfect. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or anything? No. Beautiful. And do you have that's good. And do you have private health insurance? No. And when it comes through estate planning, do you guys have a will in place or power of attorney? Do you know? Do you have a will or power of attorney in place? You got perfect. Do you know if you guys made a nomination for power of attorney at the same time as you got the will set up? Nope. That's alright. And when it comes to your superannuation, I do have here that if something would've happened to you, it would go to Jane at a 100%. Let's go over this case. Yep. Perfect. Yeah. And and you guys have that kind of succession in the will and stuff as well if something would happen to yeah. Okay. Beautiful. Yep. Now is there anything that you guys are working towards financially or nonfinancially or other goals that you guys have in the next couple of years that you're working towards? No. Yep. Yep. Yep. Yep. Okay. Perfect. Yep. Alright. K. Perfect. Anything else you guys are working to work? No. Yep. And when it comes to student as well there, Matthew, what I will go through next is just a couple of questions just to see if your risk tolerance has changed when it comes to how your money is invested in within your superannuation. So it is just multiple choice to make it nice and easy for you. No right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now have you ever bought direct shares on the stock market yourself, Matthew? Yes. No. And at the moment, are you still kind of planning on retiring at 60, or do you think you work longer? 60. Yeah. Perfect. And with the current legislation, the earliest you can access super anyway is at the age of 60 if you've retired. Obviously, you can retire early if you want to. You just can't access super until 60. But I also have here that when you do draw an income from super, that about 1,500 was last kind of what your goals were to kind of cover your side of, obviously, bills and expenses and everything like that. Do you still think that's kind of achievable? A a week. Yeah. Taking that from super. Yeah. Yep. Perfect. And that would just be for yourself as well. Now when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Moderate to high. And which one would you lean more towards if you had to choose? Maybe. Yep. You still got yes. So you have very high or just high? Yep. Perfect. You still do, you know, have plenty of time until you can access that, so that makes sense. And when it comes to fluctuations, so if you, for example, placed an investment, so you invested in something, and then after six months, it fell by 20% due to this general market trend. Would you think that if you had the option to do so, or now is potentially a good time to put a little bit more in while the prices are down, or would you be kind of a bit more neutral despite and see what happens, or would you want to shift to a more secure asset? But that means you are then selling when the prices have dropped. Yeah. Perfect. And when it comes to fluctuations, so any investments like super or anything that's gone down, if you did ever notice that at any point in time, would you think you would feel optimistic about potential opportunities? Again, just kind of a bit neutral, not making further investments, or it would make you quite concerned or anxious? Just neutral. Perfect. And last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest personally? Probably not. You would kind of for, I guess, an investment property or, like, the land. Yep. Perfect. Now that tells me here that you have come out just kind of borderline between a growth and a high growth investor. And at the moment, we have you invested in a high growth portfolio. Do you remember what it means to be a high growth investor at all? Do you remember kind of what it means to be invested in a high growth portfolio? Like, what it means or how it yeah. Exactly. So it basically tells me that you are looking at, you know, getting as much growth as you can out of your super. You do still have plenty of time on your retirement, but also that you do understand that there will be some, you know, some ups and downs and market fluctuations short term in order to try to achieve that growth. And when we talk about as well how the money is invested, typically, we see about, you know, 90% invested in what we would call your growth assets. And that is a a combination of Australian shares, international shares, and properties as well. And that is what's going to kind of maximize that growth for you. And then you do have about 10% in defensive, like cash, gold, and fixed interest. When it comes to a time frame, so making sure you have enough time in the market for those fluctuations, Ideally, typically, we want to see about eight years to retirement in a high growth portfolio. So from a time frame point of view, it is very suitable for you if that is still something you are comfortable with. Yeah. Perfect. Now yes. And it's it's doing really well considering, you know, the market conditions and everything we've that's happened in the last twelve months, which which is good. Now, obviously, at the moment, so what I have done is I have sent you an email with some documents. So, obviously, later when you are not working and when you have a moment, just have a look through them for me. If you have any questions, just let me know. Yep. Now what those are, I'll just kind of explain to you. So when you do have a look at it, you will have a super and insurance summary. So that one just kind of breaks down your current situation. Now you do have your superannuation with hub twenty four, and you do have about 350,000 at $211 in there. Now you also have some insurances. So you have with Tal, you have a life insurance policy that will pay out 350,892 if something were to happen. And then also that income protection paying you a monthly amount of 3,696. You have a full week waiting period to be in your benefit period, and that is costing you out of pocket about 1,400 and 30. You're still happy with that level of cover for your life and income protection? Yep. Perfect. And then you also have a total permanent disability insurance with Zurich. That is paid from within hub twenty four. That will pay out about 275,625, and it's pretty cheap. It's only costing about $320 per year. Still happy with that TPD cover as well? Yeah. Perfect. Now what you will also have is a performance report. That one shows you all your investments and what has happened to your superannuation in the last twelve months. So when you do have a look at it, like we said, obviously, the last twelve months have seen a bit of fluctuations in the market with everything that's happened, but your portfolio has still done really well. So in the last twelve months after fees, your portfolio has still gone up by 10.28%, which we really have. Now there is one investment in the portfolio there, Matthew, that I would like to look at potentially changing for you if you are happy with that, and that would be your Benelon Australian equity. It is kind of underperforming a little bit at the moment. So if you are happy, I would like to go and do a bit of research on the investments and see if there's another potential option that is going to do a little bit better for you moving forward. If you if that is something you're happy for me to do? Yeah. Great. Perfect. Yeah. Yeah. Right. Exactly. It is that kind of mutual beneficial relationship. So with the investments, it will take me about a week to put everything together because I obviously wanna make sure we look at, you know, fees and if there's any capital gain tax and performance and kind of assess everything for you. So it will take me about a week. I will then go through the recommendation with you, and then you can basically let me know if you are happy with it. So when is do you have any availability next week for me to go through that with you? It's pretty, quite flexible. Do you do you normally perform mornings or afternoons, or it doesn't really matter? About lunchtime? Okay. Perfect. Yep. Let me well, I could do next Tuesday, July 21 at 12PM, if that works for you. That would be perfect? Okay. Now if anything does change and you can't make it, just let me know, and I can always get it shuffled around for you. Perfect. Otherwise, that is booked in on Tuesday, the twenty first of July at 12PM. I would have to do because I wanna make sure it's all tailored to you. So I'd wanna make sure it's it's quite individualized. So I wanna make sure I do all the research before, and then I'll kind of go through that with you next week and kind of show you how that's going to potentially change and what it would look like. Yeah. Now there is just a couple of more documents in that document there for you, Matthew. You will have a Oakview services guide next, which basically you would have seen a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview if you wanna have a bit of a read over it. You will also see myself there on page 10 if you do wanna put a face to the voice. Yep. You'll also have just a copy of your insurances again. Just basically lets you know that's all paid and up to date. That's all there for you. And then there are two documents that it will ask you to add a signature if you're happy with that. Now one of them is your ongoing service agreement. That is just basically to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to that fee structure. And because there was a change decline as well, you guys are on that reduced fee of 1.1 from Super. So that's not increasing or anything. It stays exactly the same at 1.1, and it is not a lock in contract. So at any point in time, you are not happy, it is not a lock in contract. But, otherwise, by signing those documents, it just allows us to start with your account and manage everything for you in the meantime. Yeah. Do you have any questions in regards to any of those documents? Anything I went through there with you, Matthew, which is pretty straightforward? Yeah. Yeah. Yeah. Perfect. So when you have a moment, that should be in your inbox now. Have a look through your spam folder as well because we have recently changed software. So it might end up in your spam folder. So, obviously, when you finish work or when you have a moment, just jump on, have a quick review of them for me. If you have any questions, let me know. Otherwise, I will just need you to sign that document. If you are happy with that, it will automatically send it back to me, and then I will see it come through, which is great. Otherwise, I will give you a call next Tuesday, the twenty first at 12PM and go through that research on the investment. Yes, please. If you could, that would be good. Yeah. Do you have any questions for me before I let you go and get back to work? No? Okay. Veronica. Yeah. Perfect. If you do think of anything, though, don't hesitate to give me a call or send me an email. Okay. No problem. You enjoy the rest of your afternoon. Yeah. Talk to you next Tuesday. Thanks, Matthew. 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afternoon. Is this Matthew? This is Veronica from ACU Financial. How are you? Yeah.\n\nI'm good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you? Yes.\n\nYeah. Okay. No worries. I will try not to keep you for too long. That's all good.\n\nAll good. If you have to go, though, just just let me know. Yeah. Perfect. Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. Perfect. And just for security purposes, just so I can confirm I'm speaking with the right person, I do have a password on file. Do you know where that might be? Yeah.\n\nBeautiful. And how's your day been? Been a bit busy? I can't imagine. Now before I kind of do jump into the under review there with you, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus a little bit extra on, or whether it's just a bit of a catch up and see where everything's at?\n\nNah? Alright. Perfect. So what I might do first is just to quickly go through just a bit of an updated fact time just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just kinda bear with me as I confirm this.\n\nNow when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yep. Perfect. And when it comes to employment wise, you're still self employed?\n\nYep. Perfect. Now I do have income here last time we spoke at around 50,000. Is that still the case? That's how much you're gonna pay yourself?\n\nAround that, or how much would you say? About 40? Okay. Perfect. Yeah.\n\nAnd when it comes to your superannuation as well, Are you making any contributions yourself into super at the moment? Okay. No. That's okay. If it is yep.\n\nBit of yep. No. That's fine. Obviously, if you do end up putting a little bit in at some point this year, and if you do, the end, wanna claim that notice of intent at the end of this one issue, just let us know. Or if you do want any, you know, assistance with different contributions as well.\n\nYeah. Yeah. Yeah. Perfect. Now you did say you recently bought another property.\n\nIs that an investment property or just changed the one you guys are living in? Oh, yeah. And how much is just so I have the right address. Let me just triple check for you. Is that the one at 9 Duroin Drive?\n\nOkay. Perfect. So that's your new property? Ah, perfect. All good.\n\nHow I have it valued at about $9.50. Does that sound about right? Yeah. Like, if you were to sell it today, about millionth call. And how much do you guys have on the mortgage?\n\nDo you know roughly? Okay. Perfect. So you own that one. And the other property, is that an investment property?\n\nYeah. Okay. So you said it's like a land like a land at the moment? Oh, yeah. Yeah.\n\nAnd valued at about 600,000? Valued at about 600, do you think? About yep. And mortgage about $1.50 for that one? About $1.60.\n\nPerfect. And I also have here a motor vehicle valued at about 140,000. Around that. And do you own that one outright, or do you have a loan? Alright.\n\nYeah. Perfect. Any other assets we've that's changed in the last twelve months? Yeah. Oh, yeah.\n\nAnd how much is that one worth? Still any perfect and anything owing on it? Okay. So how do you like, the set the 70 owing or, like, 60, or how much do you think? About about 60.\n\nPerfect. Anything else? And when it comes to health and lifestyle, still a nonsmoker? Yeah. Perfect.\n\nAnd have you had any changes to your health in the last twelve months? Any illnesses or injuries or anything? No. Beautiful. And do you have that's good.\n\nAnd do you have private health insurance? No. And when it comes through estate planning, do you guys have a will in place or power of attorney? Do you know? Do you have a will or power of attorney in place?\n\nYou got perfect. Do you know if you guys made a nomination for power of attorney at the same time as you got the will set up? Nope. That's alright. And when it comes to your superannuation, I do have here that if something would've happened to you, it would go to Jane at a 100%.\n\nLet's go over this case. Yep. Perfect. Yeah. And and you guys have that kind of succession in the will and stuff as well if something would happen to yeah.\n\nOkay. Beautiful. Yep. Now is there anything that you guys are working towards financially or nonfinancially or other goals that you guys have in the next couple of years that you're working towards? No.\n\nYep. Yep. Yep. Yep. Okay.\n\nPerfect. Yep. Alright. K. Perfect.\n\nAnything else you guys are working to work? No. Yep. And when it comes to student as well there, Matthew, what I will go through next is just a couple of questions just to see if your risk tolerance has changed when it comes to how your money is invested in within your superannuation. So it is just multiple choice to make it nice and easy for you.\n\nNo right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect.\n\nNow have you ever bought direct shares on the stock market yourself, Matthew? Yes. No. And at the moment, are you still kind of planning on retiring at 60, or do you think you work longer? 60.\n\nYeah. Perfect. And with the current legislation, the earliest you can access super anyway is at the age of 60 if you've retired. Obviously, you can retire early if you want to. You just can't access super until 60.\n\nBut I also have here that when you do draw an income from super, that about 1,500 was last kind of what your goals were to kind of cover your side of, obviously, bills and expenses and everything like that. Do you still think that's kind of achievable? A a week. Yeah. Taking that from super.\n\nYeah. Yep. Perfect. And that would just be for yourself as well. Now when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?\n\nModerate to high. And which one would you lean more towards if you had to choose? Maybe. Yep. You still got yes.\n\nSo you have very high or just high? Yep. Perfect. You still do, you know, have plenty of time until you can access that, so that makes sense. And when it comes to fluctuations, so if you, for example, placed an investment, so you invested in something, and then after six months, it fell by 20% due to this general market trend.\n\nWould you think that if you had the option to do so, or now is potentially a good time to put a little bit more in while the prices are down, or would you be kind of a bit more neutral despite and see what happens, or would you want to shift to a more secure asset? But that means you are then selling when the prices have dropped. Yeah. Perfect. And when it comes to fluctuations, so any investments like super or anything that's gone down, if you did ever notice that at any point in time, would you think you would feel optimistic about potential opportunities?\n\nAgain, just kind of a bit neutral, not making further investments, or it would make you quite concerned or anxious? Just neutral. Perfect. And last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest personally?\n\nProbably not. You would kind of for, I guess, an investment property or, like, the land. Yep. Perfect. Now that tells me here that you have come out just kind of borderline between a growth and a high growth investor.\n\nAnd at the moment, we have you invested in a high growth portfolio. Do you remember what it means to be a high growth investor at all? Do you remember kind of what it means to be invested in a high growth portfolio? Like, what it means or how it yeah. Exactly.\n\nSo it basically tells me that you are looking at, you know, getting as much growth as you can out of your super. You do still have plenty of time on your retirement, but also that you do understand that there will be some, you know, some ups and downs and market fluctuations short term in order to try to achieve that growth. And when we talk about as well how the money is invested, typically, we see about, you know, 90% invested in what we would call your growth assets. And that is a a combination of Australian shares, international shares, and properties as well. And that is what's going to kind of maximize that growth for you.\n\nAnd then you do have about 10% in defensive, like cash, gold, and fixed interest. When it comes to a time frame, so making sure you have enough time in the market for those fluctuations, Ideally, typically, we want to see about eight years to retirement in a high growth portfolio. So from a time frame point of view, it is very suitable for you if that is still something you are comfortable with. Yeah. Perfect.\n\nNow yes. And it's it's doing really well considering, you know, the market conditions and everything we've that's happened in the last twelve months, which which is good. Now, obviously, at the moment, so what I have done is I have sent you an email with some documents. So, obviously, later when you are not working and when you have a moment, just have a look through them for me. If you have any questions, just let me know.\n\nYep. Now what those are, I'll just kind of explain to you. So when you do have a look at it, you will have a super and insurance summary. So that one just kind of breaks down your current situation. Now you do have your superannuation with hub twenty four, and you do have about 350,000 at $211 in there.\n\nNow you also have some insurances. So you have with Tal, you have a life insurance policy that will pay out 350,892 if something were to happen. And then also that income protection paying you a monthly amount of 3,696. You have a full week waiting period to be in your benefit period, and that is costing you out of pocket about 1,400 and 30. You're still happy with that level of cover for your life and income protection?\n\nYep. Perfect. And then you also have a total permanent disability insurance with Zurich. That is paid from within hub twenty four. That will pay out about 275,625, and it's pretty cheap.\n\nIt's only costing about $320 per year. Still happy with that TPD cover as well? Yeah. Perfect. Now what you will also have is a performance report.\n\nThat one shows you all your investments and what has happened to your superannuation in the last twelve months. So when you do have a look at it, like we said, obviously, the last twelve months have seen a bit of fluctuations in the market with everything that's happened, but your portfolio has still done really well. So in the last twelve months after fees, your portfolio has still gone up by 10.28%, which we really have. Now there is one investment in the portfolio there, Matthew, that I would like to look at potentially changing for you if you are happy with that, and that would be your Benelon Australian equity. It is kind of underperforming a little bit at the moment.\n\nSo if you are happy, I would like to go and do a bit of research on the investments and see if there's another potential option that is going to do a little bit better for you moving forward. If you if that is something you're happy for me to do? Yeah. Great. Perfect.\n\nYeah. Yeah. Right. Exactly. It is that kind of mutual beneficial relationship.\n\nSo with the investments, it will take me about a week to put everything together because I obviously wanna make sure we look at, you know, fees and if there's any capital gain tax and performance and kind of assess everything for you. So it will take me about a week. I will then go through the recommendation with you, and then you can basically let me know if you are happy with it. So when is do you have any availability next week for me to go through that with you? It's pretty, quite flexible.\n\nDo you do you normally perform mornings or afternoons, or it doesn't really matter? About lunchtime? Okay. Perfect. Yep.\n\nLet me well, I could do next Tuesday, July 21 at 12PM, if that works for you. That would be perfect? Okay. Now if anything does change and you can't make it, just let me know, and I can always get it shuffled around for you. Perfect.\n\nOtherwise, that is booked in on Tuesday, the twenty first of July at 12PM. I would have to do because I wanna make sure it's all tailored to you. So I'd wanna make sure it's it's quite individualized. So I wanna make sure I do all the research before, and then I'll kind of go through that with you next week and kind of show you how that's going to potentially change and what it would look like. Yeah.\n\nNow there is just a couple of more documents in that document there for you, Matthew. You will have a Oakview services guide next, which basically you would have seen a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview if you wanna have a bit of a read over it. You will also see myself there on page 10 if you do wanna put a face to the voice. Yep.\n\nYou'll also have just a copy of your insurances again. Just basically lets you know that's all paid and up to date. That's all there for you. And then there are two documents that it will ask you to add a signature if you're happy with that. Now one of them is your ongoing service agreement.\n\nThat is just basically to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to that fee structure. And because there was a change decline as well, you guys are on that reduced fee of 1.1 from Super. So that's not increasing or anything. It stays exactly the same at 1.1, and it is not a lock in contract.\n\nSo at any point in time, you are not happy, it is not a lock in contract. But, otherwise, by signing those documents, it just allows us to start with your account and manage everything for you in the meantime. Yeah. Do you have any questions in regards to any of those documents? Anything I went through there with you, Matthew, which is pretty straightforward?\n\nYeah. Yeah. Yeah. Perfect. So when you have a moment, that should be in your inbox now.\n\nHave a look through your spam folder as well because we have recently changed software. So it might end up in your spam folder. So, obviously, when you finish work or when you have a moment, just jump on, have a quick review of them for me. If you have any questions, let me know. Otherwise, I will just need you to sign that document.\n\nIf you are happy with that, it will automatically send it back to me, and then I will see it come through, which is great. Otherwise, I will give you a call next Tuesday, the twenty first at 12PM and go through that research on the investment. Yes, please. If you could, that would be good. Yeah.\n\nDo you have any questions for me before I let you go and get back to work? No? Okay. Veronica. Yeah.\n\nPerfect. If you do think of anything, though, don't hesitate to give me a call or send me an email. Okay. No problem. You enjoy the rest of your afternoon.\n\nYeah. Talk to you next Tuesday. Thanks, Matthew. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.22618797421455383},{"text":"Is this Matthew?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.13738967974980673},{"text":"This is Veronica from ACU Financial.","start":4.7999997,"end":6.98,"sentiment":"neutral","sentiment_score":0.11477083836992581},{"text":"How are you?","start":7.04,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.1294111286600431},{"text":"Yeah.","start":9.5199995,"end":9.76,"sentiment":"positive","sentiment_score":0.3379741311073303}],"sentiment":"neutral","sentiment_score":0.1519585023323695,"num_words":15,"start":1.8399999,"end":9.76},{"sentences":[{"text":"I'm good.","start":9.76,"end":10.32,"sentiment":"positive","sentiment_score":0.5525857508182526},{"text":"Thanks.","start":10.32,"end":10.82,"sentiment":"positive","sentiment_score":0.6753385066986084},{"text":"I had you booked in to go over your annual review.","start":11.84,"end":14.32,"sentiment":"positive","sentiment_score":0.3781875399026004},{"text":"Is now still a good time for you?","start":14.32,"end":15.915,"sentiment":"neutral","sentiment_score":0.29791827872395515},{"text":"Yes.","start":18.475,"end":18.975,"sentiment":"neutral","sentiment_score":0.06810429692268372}],"sentiment":"positive","sentiment_score":0.36487058582513227,"num_words":23,"start":9.76,"end":18.975},{"sentences":[{"text":"Yeah.","start":24.715,"end":25.115,"sentiment":"neutral","sentiment_score":0.04455224424600601},{"text":"Okay.","start":25.115,"end":25.515,"sentiment":"neutral","sentiment_score":0.04893310368061066},{"text":"No worries.","start":25.515,"end":25.994999,"sentiment":"neutral","sentiment_score":0.05545893311500549},{"text":"I will try not to keep you for too long.","start":25.994999,"end":27.935,"sentiment":"neutral","sentiment_score":0.013665673322975636},{"text":"That's all good.","start":29.62,"end":30.76,"sentiment":"neutral","sentiment_score":0.14500223472714424}],"sentiment":"neutral","sentiment_score":0.04565097950398922,"num_words":17,"start":24.715,"end":30.76},{"sentences":[{"text":"All good.","start":31.46,"end":32.1,"sentiment":"neutral","sentiment_score":0.33107690513134},{"text":"If you have to go, though, just just let me know.","start":32.1,"end":34.6,"sentiment":"neutral","sentiment_score":0.05716617049818689},{"text":"Yeah.","start":36.02,"end":36.42,"sentiment":"neutral","sentiment_score":0.1431204080581665},{"text":"Perfect.","start":36.42,"end":36.92,"sentiment":"neutral","sentiment_score":0.3040129542350769},{"text":"Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":37.78,"end":45.495003,"sentiment":"neutral","sentiment_score":0.06047018296245871}],"sentiment":"neutral","sentiment_score":0.07935796258971095,"num_words":44,"start":31.46,"end":45.495003},{"sentences":[{"text":"Yep.","start":46.675,"end":47.075,"sentiment":"neutral","sentiment_score":0.10290062427520752},{"text":"Perfect.","start":47.075,"end":47.575,"sentiment":"neutral","sentiment_score":0.23044975101947784},{"text":"And just for security purposes, just so I can confirm I'm speaking with the right person, I do have a password on file.","start":47.715,"end":54.595,"sentiment":"neutral","sentiment_score":0.09680557412945706},{"text":"Do you know where that might be?","start":54.595,"end":56.055,"sentiment":"neutral","sentiment_score":0.041591930602278025},{"text":"Yeah.","start":57.3,"end":57.78,"sentiment":"neutral","sentiment_score":0.13012899458408356}],"sentiment":"neutral","sentiment_score":0.0903379117900675,"num_words":33,"start":46.675,"end":57.78},{"sentences":[{"text":"Beautiful.","start":57.78,"end":58.28,"sentiment":"neutral","sentiment_score":0.3264257609844208},{"text":"And how's your day been?","start":58.579998,"end":59.859997,"sentiment":"neutral","sentiment_score":0.14073778092861175},{"text":"Been a bit busy?","start":59.859997,"end":61.079998,"sentiment":"neutral","sentiment_score":-0.032305436208844185},{"text":"I can't imagine.","start":64.5,"end":65.4,"sentiment":"neutral","sentiment_score":-0.06662232925494511},{"text":"Now before I kind of do jump into the under review there with you, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus a little bit extra on, or whether it's just a bit of a catch up and see where everything's at?","start":66.74,"end":81.265,"sentiment":"neutral","sentiment_score":0.01698360691527621}],"sentiment":"neutral","sentiment_score":0.02314051772461822,"num_words":78,"start":57.78,"end":81.265},{"sentences":[{"text":"Nah?","start":82.925,"end":83.425,"sentiment":"neutral","sentiment_score":0.014071566052734852},{"text":"Alright.","start":83.485,"end":83.985,"sentiment":"neutral","sentiment_score":0.1150837242603302},{"text":"Perfect.","start":84.24,"end":84.64,"sentiment":"neutral","sentiment_score":0.20344650745391848},{"text":"So what I might do first is just to quickly go through just a bit of an updated fact time just to see if there is anything major that has changed in your life if we do need to make any changes to your advice.","start":84.64,"end":95.28,"sentiment":"neutral","sentiment_score":0.03696029567056232},{"text":"So just kinda bear with me as I confirm this.","start":95.28,"end":97.94,"sentiment":"neutral","sentiment_score":0.0489247165620327}],"sentiment":"neutral","sentiment_score":0.04284590118211405,"num_words":58,"start":82.925,"end":97.94},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents.","start":98.685,"end":105.825,"sentiment":"neutral","sentiment_score":0.036173196803582344},{"text":"Is that correct?","start":105.965,"end":106.865,"sentiment":"neutral","sentiment_score":0.059035010635852814},{"text":"Yep.","start":107.485,"end":107.985,"sentiment":"neutral","sentiment_score":0.0320863276720047},{"text":"Perfect.","start":108.525,"end":109.025,"sentiment":"positive","sentiment_score":0.7460776567459106},{"text":"And when it comes to employment wise, you're still self employed?","start":109.805,"end":116.04,"sentiment":"neutral","sentiment_score":0.13815766064958138}],"sentiment":"neutral","sentiment_score":0.09035125779254095,"num_words":35,"start":98.685,"end":116.04},{"sentences":[{"text":"Yep.","start":117.62,"end":118.12,"sentiment":"neutral","sentiment_score":0.17585019767284393},{"text":"Perfect.","start":118.18,"end":118.68,"sentiment":"positive","sentiment_score":0.5242429375648499},{"text":"Now I do have income here last time we spoke at around 50,000.","start":120.82,"end":125.48,"sentiment":"neutral","sentiment_score":0.11807721394758958},{"text":"Is that still the case?","start":126.025,"end":127.784996,"sentiment":"neutral","sentiment_score":0.07101442292332649},{"text":"That's how much you're gonna pay yourself?","start":127.784996,"end":129.72499,"sentiment":"neutral","sentiment_score":0.05515304633549282}],"sentiment":"neutral","sentiment_score":0.11023112427857187,"num_words":27,"start":117.62,"end":129.72499},{"sentences":[{"text":"Around that, or how much would you say?","start":133.145,"end":135.405,"sentiment":"neutral","sentiment_score":0.022504142252728343},{"text":"About 40?","start":139.40001,"end":140.22,"sentiment":"neutral","sentiment_score":0.031276874244213104},{"text":"Okay.","start":140.28,"end":140.76001,"sentiment":"neutral","sentiment_score":0.20179983973503113},{"text":"Perfect.","start":140.76001,"end":141.26001,"sentiment":"positive","sentiment_score":0.5073996186256409},{"text":"Yeah.","start":143.08,"end":143.58,"sentiment":"neutral","sentiment_score":0.17523428797721863}],"sentiment":"neutral","sentiment_score":0.08669389483447258,"num_words":13,"start":133.145,"end":143.58},{"sentences":[{"text":"And when it comes to your superannuation as well, Are you making any contributions yourself into super at the moment?","start":145.88,"end":156.735,"sentiment":"neutral","sentiment_score":0.058095889259129764},{"text":"Okay.","start":159.67499,"end":160.17499,"sentiment":"neutral","sentiment_score":0.0030287299305200577},{"text":"No.","start":160.31499,"end":160.555,"sentiment":"neutral","sentiment_score":-0.13053008913993835},{"text":"That's okay.","start":160.555,"end":161.45499,"sentiment":"neutral","sentiment_score":0.0049204519018530846},{"text":"If it is yep.","start":161.83499,"end":170.01,"sentiment":"neutral","sentiment_score":-0.037437872029840946}],"sentiment":"neutral","sentiment_score":0.03194663720205426,"num_words":28,"start":145.88,"end":170.01},{"sentences":[{"text":"Bit of yep.","start":170.01,"end":172.01,"sentiment":"neutral","sentiment_score":-0.08497835323214531},{"text":"No.","start":172.01,"end":172.17,"sentiment":"neutral","sentiment_score":-0.052800074219703674},{"text":"That's fine.","start":172.17,"end":173.06999,"sentiment":"neutral","sentiment_score":0.11720427125692368},{"text":"Obviously, if you do end up putting a little bit in at some point this year, and if you do, the end, wanna claim that notice of intent at the end of this one issue, just let us know.","start":173.20999,"end":182.80501,"sentiment":"neutral","sentiment_score":0.14150925400929573},{"text":"Or if you do want any, you know, assistance with different contributions as well.","start":182.80501,"end":186.425,"sentiment":"neutral","sentiment_score":0.10624917277268}],"sentiment":"neutral","sentiment_score":0.11750885989453833,"num_words":59,"start":170.01,"end":186.425},{"sentences":[{"text":"Yeah.","start":187.445,"end":187.945,"sentiment":"neutral","sentiment_score":0.04999516159296036},{"text":"Yeah.","start":189.845,"end":190.345,"sentiment":"neutral","sentiment_score":0.06162209063768387},{"text":"Yeah.","start":191.14,"end":191.54001,"sentiment":"neutral","sentiment_score":0.1923370361328125},{"text":"Perfect.","start":191.54001,"end":192.04001,"sentiment":"positive","sentiment_score":0.39004895091056824},{"text":"Now you did say you recently bought another property.","start":192.34001,"end":194.98001,"sentiment":"neutral","sentiment_score":0.037208967117799654}],"sentiment":"neutral","sentiment_score":0.07914491871801707,"num_words":13,"start":187.445,"end":194.98001},{"sentences":[{"text":"Is that an investment property or just changed the one you guys are living in?","start":194.98001,"end":198.6,"sentiment":"neutral","sentiment_score":0.01373496198405822},{"text":"Oh, yeah.","start":202.82,"end":203.38,"sentiment":"neutral","sentiment_score":0.05698046833276749},{"text":"And how much is just so I have the right address.","start":203.38,"end":209.995,"sentiment":"neutral","sentiment_score":0.035419813272627915},{"text":"Let me just triple check for you.","start":209.995,"end":212.095,"sentiment":"neutral","sentiment_score":0.04563271387347153},{"text":"Is that the one at 9 Duroin Drive?","start":213.195,"end":217.455,"sentiment":"neutral","sentiment_score":0.026599829783663154}],"sentiment":"neutral","sentiment_score":0.028879789483928404,"num_words":43,"start":194.98001,"end":217.455},{"sentences":[{"text":"Okay.","start":218.95999,"end":219.28,"sentiment":"neutral","sentiment_score":0.1424989402294159},{"text":"Perfect.","start":219.28,"end":219.68,"sentiment":"positive","sentiment_score":0.4329495131969452},{"text":"So that's your new property?","start":219.68,"end":220.81999,"sentiment":"neutral","sentiment_score":0.21778800785541536},{"text":"Ah, perfect.","start":224.31999,"end":225.14,"sentiment":"positive","sentiment_score":0.5994558036327362},{"text":"All good.","start":225.2,"end":225.93999,"sentiment":"positive","sentiment_score":0.6576696038246155}],"sentiment":"positive","sentiment_score":0.3798763006925583,"num_words":11,"start":218.95999,"end":225.93999},{"sentences":[{"text":"How I have it valued at about $9.50.","start":227.68,"end":230.42,"sentiment":"neutral","sentiment_score":0.17142396420240402},{"text":"Does that sound about right?","start":230.985,"end":232.44499,"sentiment":"neutral","sentiment_score":0.09691256806254386},{"text":"Yeah.","start":234.745,"end":235.065,"sentiment":"neutral","sentiment_score":0.03751179575920105},{"text":"Like, if you were to sell it today, about millionth call.","start":235.065,"end":239.245,"sentiment":"neutral","sentiment_score":0.013292852535166523},{"text":"And how much do you guys have on the mortgage?","start":239.625,"end":243.86,"sentiment":"neutral","sentiment_score":0.014841816946864128}],"sentiment":"neutral","sentiment_score":0.06251731134418931,"num_words":35,"start":227.68,"end":243.86},{"sentences":[{"text":"Do you know roughly?","start":243.86,"end":245.245,"sentiment":"neutral","sentiment_score":0.004900933708995581},{"text":"Okay.","start":250.64,"end":250.95999,"sentiment":"neutral","sentiment_score":0.21255263686180115},{"text":"Perfect.","start":250.95999,"end":251.36,"sentiment":"positive","sentiment_score":0.4969056844711304},{"text":"So you own that one.","start":251.36,"end":252.5,"sentiment":"neutral","sentiment_score":0.30832154154777525},{"text":"And the other property, is that an investment property?","start":252.64,"end":255.22,"sentiment":"neutral","sentiment_score":0.09113725274801254}],"sentiment":"neutral","sentiment_score":0.15454525193199514,"num_words":20,"start":243.86,"end":255.22},{"sentences":[{"text":"Yeah.","start":257.28,"end":257.775,"sentiment":"neutral","sentiment_score":0.04904298111796379},{"text":"Okay.","start":260.495,"end":260.995,"sentiment":"neutral","sentiment_score":0.02479308843612671},{"text":"So you said it's like a land like a land at the moment?","start":261.775,"end":265.375,"sentiment":"neutral","sentiment_score":0.013147101737558842},{"text":"Oh, yeah.","start":265.375,"end":265.85498,"sentiment":"neutral","sentiment_score":0.01428952720016241},{"text":"Yeah.","start":265.85498,"end":266.35498,"sentiment":"neutral","sentiment_score":0.012635169550776482}],"sentiment":"neutral","sentiment_score":0.01588681200519204,"num_words":18,"start":257.28,"end":266.35498},{"sentences":[{"text":"And valued at about 600,000?","start":266.895,"end":269.555,"sentiment":"neutral","sentiment_score":0.007988080754876137},{"text":"Valued at about 600, do you think?","start":272.51,"end":274.85,"sentiment":"neutral","sentiment_score":-0.013274542056024075},{"text":"About yep.","start":276.67,"end":278.85,"sentiment":"neutral","sentiment_score":0.016491358168423176},{"text":"And mortgage about $1.50 for that one?","start":279.79,"end":283.17,"sentiment":"neutral","sentiment_score":0.01871184299566916},{"text":"About $1.60.","start":286.57498,"end":287.635,"sentiment":"neutral","sentiment_score":0.016166754066944122}],"sentiment":"neutral","sentiment_score":0.006231205861853517,"num_words":23,"start":266.895,"end":287.635},{"sentences":[{"text":"Perfect.","start":287.695,"end":288.195,"sentiment":"neutral","sentiment_score":0.2605143189430237},{"text":"And I also have here a motor vehicle valued at about 140,000.","start":289.135,"end":294.915,"sentiment":"neutral","sentiment_score":0.08580307569354773},{"text":"Around that.","start":299.23,"end":299.79,"sentiment":"neutral","sentiment_score":-0.003045167773962021},{"text":"And do you own that one outright, or do you have a loan?","start":299.79,"end":303.97,"sentiment":"neutral","sentiment_score":-0.0054672128753736615},{"text":"Alright.","start":306.51,"end":307.01,"sentiment":"neutral","sentiment_score":0.025112031027674675}],"sentiment":"neutral","sentiment_score":0.04269307432294791,"num_words":29,"start":287.695,"end":307.01},{"sentences":[{"text":"Yeah.","start":307.07,"end":307.55002,"sentiment":"neutral","sentiment_score":0.06428468972444534},{"text":"Perfect.","start":307.55002,"end":308.05002,"sentiment":"neutral","sentiment_score":0.22693979740142825},{"text":"Any other assets we've that's changed in the last twelve months?","start":308.775,"end":312.875,"sentiment":"neutral","sentiment_score":0.08674470267512581},{"text":"Yeah.","start":317.815,"end":318.315,"sentiment":"neutral","sentiment_score":0.0661766454577446},{"text":"Oh, yeah.","start":319.73502,"end":320.395,"sentiment":"neutral","sentiment_score":0.0515372920781374}],"sentiment":"neutral","sentiment_score":0.08841671538539231,"num_words":16,"start":307.07,"end":320.395},{"sentences":[{"text":"And how much is that one worth?","start":320.45502,"end":322.23502,"sentiment":"neutral","sentiment_score":0.05491413069622857},{"text":"Still any perfect and anything owing on it?","start":324.72,"end":327.38,"sentiment":"neutral","sentiment_score":0.16310105193406343},{"text":"Okay.","start":329.92,"end":330.42,"sentiment":"neutral","sentiment_score":0.07047535479068756},{"text":"So how do you like, the set the 70 owing or, like, 60, or how much do you think?","start":330.64,"end":335.86002,"sentiment":"neutral","sentiment_score":0.03639063018521196},{"text":"About about 60.","start":339.77502,"end":341.315,"sentiment":"neutral","sentiment_score":0.014663030703862509}],"sentiment":"neutral","sentiment_score":0.06566036186230026,"num_words":38,"start":320.45502,"end":341.315},{"sentences":[{"text":"Perfect.","start":341.535,"end":342.035,"sentiment":"neutral","sentiment_score":0.32394352555274963},{"text":"Anything else?","start":342.17502,"end":343.075,"sentiment":"neutral","sentiment_score":0.15691432356834412},{"text":"And when it comes to health and lifestyle, still a nonsmoker?","start":351.87,"end":357.73,"sentiment":"neutral","sentiment_score":-0.06620471010153944},{"text":"Yeah.","start":360.52502,"end":360.92502,"sentiment":"neutral","sentiment_score":0.06664726138114929},{"text":"Perfect.","start":360.92502,"end":361.325,"sentiment":"neutral","sentiment_score":0.22010406851768496}],"sentiment":"neutral","sentiment_score":0.012266980716958644,"num_words":16,"start":341.535,"end":361.325},{"sentences":[{"text":"And have you had any changes to your health in the last twelve months?","start":361.325,"end":364.92502,"sentiment":"neutral","sentiment_score":0.03967489355376789},{"text":"Any illnesses or injuries or anything?","start":364.92502,"end":368.385,"sentiment":"neutral","sentiment_score":-0.022528191407521565},{"text":"No.","start":368.605,"end":369.08502,"sentiment":"neutral","sentiment_score":-0.10246382653713226},{"text":"Beautiful.","start":369.08502,"end":369.58502,"sentiment":"neutral","sentiment_score":0.15217548608779907},{"text":"And do you have that's good.","start":370.92502,"end":373.02502,"sentiment":"neutral","sentiment_score":0.3266407971580823}],"sentiment":"neutral","sentiment_score":0.08677985013595649,"num_words":28,"start":361.325,"end":373.02502},{"sentences":[{"text":"And do you have private health insurance?","start":373.165,"end":374.945,"sentiment":"neutral","sentiment_score":0.02599937854600804},{"text":"No.","start":376.62003,"end":377.12003,"sentiment":"neutral","sentiment_score":-0.08104860782623291},{"text":"And when it comes through estate planning, do you guys have a will in place or power of attorney?","start":378.30002,"end":383.92,"sentiment":"neutral","sentiment_score":-0.024598021060228348},{"text":"Do you know?","start":385.5,"end":386.32,"sentiment":"neutral","sentiment_score":-0.021603673696517944},{"text":"Do you have a will or power of attorney in place?","start":388.235,"end":391.375,"sentiment":"neutral","sentiment_score":-0.015776034359904854}],"sentiment":"neutral","sentiment_score":-0.014750311151146889,"num_words":41,"start":373.165,"end":391.375},{"sentences":[{"text":"You got perfect.","start":392.79498,"end":393.695,"sentiment":"positive","sentiment_score":0.45919061700503033},{"text":"Do you know if you guys made a nomination for power of attorney at the same time as you got the will set up?","start":394.315,"end":400.255,"sentiment":"neutral","sentiment_score":0.09385058687378962},{"text":"Nope.","start":402.45,"end":402.85,"sentiment":"neutral","sentiment_score":-0.08348244428634644},{"text":"That's alright.","start":402.85,"end":403.67,"sentiment":"neutral","sentiment_score":0.046444833278656006},{"text":"And when it comes to your superannuation, I do have here that if something would've happened to you, it would go to Jane at a 100%.","start":405.89,"end":415.67,"sentiment":"neutral","sentiment_score":0.09649160289420532}],"sentiment":"neutral","sentiment_score":0.10978883631261331,"num_words":56,"start":392.79498,"end":415.67},{"sentences":[{"text":"Let's go over this case.","start":416.215,"end":417.195,"sentiment":"neutral","sentiment_score":0.07497752457857132},{"text":"Yep.","start":417.495,"end":417.975,"sentiment":"neutral","sentiment_score":0.20856766402721405},{"text":"Perfect.","start":417.975,"end":418.475,"sentiment":"positive","sentiment_score":0.45279720425605774},{"text":"Yeah.","start":422.935,"end":423.435,"sentiment":"neutral","sentiment_score":0.1000908613204956},{"text":"And and you guys have that kind of succession in the will and stuff as well if something would happen to yeah.","start":425.255,"end":430.56003,"sentiment":"neutral","sentiment_score":0.09595457735386761}],"sentiment":"neutral","sentiment_score":0.10824480180939039,"num_words":30,"start":416.215,"end":430.56003},{"sentences":[{"text":"Okay.","start":430.56003,"end":430.80002,"sentiment":"neutral","sentiment_score":0.29639795422554016},{"text":"Beautiful.","start":430.80002,"end":431.30002,"sentiment":"positive","sentiment_score":0.6006455421447754},{"text":"Yep.","start":431.44,"end":431.94,"sentiment":"neutral","sentiment_score":0.3124723434448242},{"text":"Now is there anything that you guys are working towards financially or nonfinancially or other goals that you guys have in the next couple of years that you're working towards?","start":433.28003,"end":443.94,"sentiment":"neutral","sentiment_score":0.1568985988696416},{"text":"No.","start":446.335,"end":446.835,"sentiment":"neutral","sentiment_score":-0.08697130531072617}],"sentiment":"neutral","sentiment_score":0.1714559558998136,"num_words":34,"start":430.56003,"end":446.835},{"sentences":[{"text":"Yep.","start":450.655,"end":451.155,"sentiment":"neutral","sentiment_score":0.07981749624013901},{"text":"Yep.","start":456.75,"end":457.25,"sentiment":"neutral","sentiment_score":0.04772572964429855},{"text":"Yep.","start":461.55,"end":462.03,"sentiment":"neutral","sentiment_score":0.051727887243032455},{"text":"Yep.","start":462.03,"end":462.50998,"sentiment":"neutral","sentiment_score":0.05393034964799881},{"text":"Okay.","start":462.50998,"end":462.99,"sentiment":"neutral","sentiment_score":0.04760717228055}],"sentiment":"neutral","sentiment_score":0.05616172701120377,"num_words":5,"start":450.655,"end":462.99},{"sentences":[{"text":"Perfect.","start":462.99,"end":463.49,"sentiment":"neutral","sentiment_score":0.19301405549049375},{"text":"Yep.","start":467.06998,"end":467.56998,"sentiment":"neutral","sentiment_score":0.0863681361079216},{"text":"Alright.","start":468.19,"end":468.59,"sentiment":"neutral","sentiment_score":0.10937844961881638},{"text":"K.","start":468.59,"end":468.83,"sentiment":"neutral","sentiment_score":0.08167586475610733},{"text":"Perfect.","start":468.83,"end":469.33,"sentiment":"neutral","sentiment_score":0.1836964190006256}],"sentiment":"neutral","sentiment_score":0.13082658499479294,"num_words":5,"start":462.99,"end":469.33},{"sentences":[{"text":"Anything else you guys are working to work?","start":470.51498,"end":472.455,"sentiment":"neutral","sentiment_score":0.05486741219647229},{"text":"No.","start":474.19498,"end":474.69498,"sentiment":"neutral","sentiment_score":-0.1614721715450287},{"text":"Yep.","start":476.51498,"end":477.01498,"sentiment":"neutral","sentiment_score":0.08312934637069702},{"text":"And when it comes to student as well there, Matthew, what I will go through next is just a couple of questions just to see if your risk tolerance has changed when it comes to how your money is invested in within your superannuation.","start":478.675,"end":492.9,"sentiment":"neutral","sentiment_score":0.1459306256676262},{"text":"So it is just multiple choice to make it nice and easy for you.","start":493.75998,"end":498.09998,"sentiment":"positive","sentiment_score":0.35485216975212097}],"sentiment":"neutral","sentiment_score":0.1727863879162161,"num_words":68,"start":470.51498,"end":498.09998},{"sentences":[{"text":"No right or wrong answer.","start":499.055,"end":500.335,"sentiment":"neutral","sentiment_score":0.029529351741075516},{"text":"It's just whatever you feel is the most appropriate for you.","start":500.335,"end":503.135,"sentiment":"neutral","sentiment_score":0.2135365280238065},{"text":"Does that make sense?","start":503.135,"end":504.195,"sentiment":"neutral","sentiment_score":0.19624505937099457},{"text":"Yep.","start":505.375,"end":505.855,"sentiment":"neutral","sentiment_score":0.14307039976119995},{"text":"Perfect.","start":505.855,"end":506.355,"sentiment":"neutral","sentiment_score":0.09385013580322266}],"sentiment":"neutral","sentiment_score":0.1599295154552568,"num_words":22,"start":499.055,"end":506.355},{"sentences":[{"text":"Now have you ever bought direct shares on the stock market yourself, Matthew?","start":507.215,"end":511.715,"sentiment":"neutral","sentiment_score":0.08769751053590041},{"text":"Yes.","start":514.76,"end":515.26,"sentiment":"neutral","sentiment_score":0.048327621072530746},{"text":"No.","start":516.68,"end":517.18,"sentiment":"neutral","sentiment_score":-0.13655708730220795},{"text":"And at the moment, are you still kind of planning on retiring at 60, or do you think you work longer?","start":517.95996,"end":525.975,"sentiment":"neutral","sentiment_score":-0.053510580566667375},{"text":"60.","start":526.515,"end":527.015,"sentiment":"neutral","sentiment_score":-0.01449697371572256}],"sentiment":"neutral","sentiment_score":-0.00233462148320836,"num_words":37,"start":507.215,"end":527.015},{"sentences":[{"text":"Yeah.","start":530.355,"end":530.855,"sentiment":"positive","sentiment_score":0.36914172768592834},{"text":"Perfect.","start":532.035,"end":532.535,"sentiment":"positive","sentiment_score":0.6371687054634094},{"text":"And with the current legislation, the earliest you can access super anyway is at the age of 60 if you've retired.","start":534.355,"end":542.46,"sentiment":"neutral","sentiment_score":0.25462794871557326},{"text":"Obviously, you can retire early if you want to.","start":543.08,"end":545.32,"sentiment":"neutral","sentiment_score":0.3310055782397588},{"text":"You just can't access super until 60.","start":545.32,"end":547.5,"sentiment":"neutral","sentiment_score":0.1139064324753625}],"sentiment":"neutral","sentiment_score":0.25974083558107036,"num_words":39,"start":530.355,"end":547.5},{"sentences":[{"text":"But I also have here that when you do draw an income from super, that about 1,500 was last kind of what your goals were to kind of cover your side of, obviously, bills and expenses and everything like that.","start":548.68,"end":562.93506,"sentiment":"neutral","sentiment_score":0.17095318976789714},{"text":"Do you still think that's kind of achievable?","start":562.93506,"end":565.03503,"sentiment":"neutral","sentiment_score":0.29684342443943024},{"text":"A a week.","start":568.78,"end":569.42,"sentiment":"neutral","sentiment_score":0.1677914410829544},{"text":"Yeah.","start":569.42,"end":569.74,"sentiment":"neutral","sentiment_score":0.08640003949403763},{"text":"Taking that from super.","start":569.74,"end":571.2,"sentiment":"neutral","sentiment_score":0.1027471162378788}],"sentiment":"neutral","sentiment_score":0.18238638953438827,"num_words":56,"start":548.68,"end":571.2},{"sentences":[{"text":"Yeah.","start":571.34,"end":571.84,"sentiment":"neutral","sentiment_score":0.18499323725700376},{"text":"Yep.","start":572.78,"end":573.18,"sentiment":"positive","sentiment_score":0.3431776165962219},{"text":"Perfect.","start":573.18,"end":573.68,"sentiment":"positive","sentiment_score":0.6670678853988647},{"text":"And that would just be for yourself as well.","start":573.74,"end":575.84,"sentiment":"positive","sentiment_score":0.4960012800163693},{"text":"Now when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?","start":577.02,"end":593.30505,"sentiment":"neutral","sentiment_score":-0.037135967125113196}],"sentiment":"neutral","sentiment_score":0.08256759885333333,"num_words":51,"start":571.34,"end":593.30505},{"sentences":[{"text":"Moderate to high.","start":597.16,"end":598.12,"sentiment":"neutral","sentiment_score":-0.020292965074380238},{"text":"And which one would you lean more towards if you had to choose?","start":598.12,"end":601.58,"sentiment":"neutral","sentiment_score":0.010230654993882546},{"text":"Maybe.","start":608.055,"end":608.555,"sentiment":"neutral","sentiment_score":-0.013300392776727676},{"text":"Yep.","start":608.855,"end":609.355,"sentiment":"neutral","sentiment_score":0.04903343319892883},{"text":"You still got yes.","start":609.495,"end":612.055,"sentiment":"neutral","sentiment_score":-0.02112182625569403}],"sentiment":"neutral","sentiment_score":0.0010620615953071551,"num_words":22,"start":597.16,"end":612.055},{"sentences":[{"text":"So you have very high or just high?","start":612.055,"end":614.555,"sentiment":"neutral","sentiment_score":-0.03875092859379947},{"text":"Yep.","start":617.255,"end":617.735,"sentiment":"neutral","sentiment_score":0.1064804196357727},{"text":"Perfect.","start":617.735,"end":618.235,"sentiment":"positive","sentiment_score":0.4502963423728943},{"text":"You still do, you know, have plenty of time until you can access that, so that makes sense.","start":618.89996,"end":624.27997,"sentiment":"neutral","sentiment_score":0.23540058897601235},{"text":"And when it comes to fluctuations, so if you, for example, placed an investment, so you invested in something, and then after six months, it fell by 20% due to this general market trend.","start":624.89996,"end":642.445,"sentiment":"neutral","sentiment_score":-0.12441706295837374}],"sentiment":"neutral","sentiment_score":0.004093545068415904,"num_words":62,"start":612.055,"end":642.445},{"sentences":[{"text":"Would you think that if you had the option to do so, or now is potentially a good time to put a little bit more in while the prices are down, or would you be kind of a bit more neutral despite and see what happens, or would you want to shift to a more secure asset?","start":643.32996,"end":659.605,"sentiment":"neutral","sentiment_score":0.08958839030380834},{"text":"But that means you are then selling when the prices have dropped.","start":659.90497,"end":662.725,"sentiment":"neutral","sentiment_score":-0.03401678738494714},{"text":"Yeah.","start":667.84,"end":668.34,"sentiment":"neutral","sentiment_score":0.26619473099708557},{"text":"Perfect.","start":668.96,"end":669.46,"sentiment":"positive","sentiment_score":0.5617156028747559},{"text":"And when it comes to fluctuations, so any investments like super or anything that's gone down, if you did ever notice that at any point in time, would you think you would feel optimistic about potential opportunities?","start":671.68,"end":685.80505,"sentiment":"neutral","sentiment_score":0.31395074604330836}],"sentiment":"neutral","sentiment_score":0.1587261549645552,"num_words":108,"start":643.32996,"end":685.80505},{"sentences":[{"text":"Again, just kind of a bit neutral, not making further investments, or it would make you quite concerned or anxious?","start":686.74506,"end":693.565,"sentiment":"neutral","sentiment_score":-0.10027706939727069},{"text":"Just neutral.","start":697.24,"end":697.88,"sentiment":"neutral","sentiment_score":0.17410016804933548},{"text":"Perfect.","start":697.88,"end":698.38,"sentiment":"positive","sentiment_score":0.4303579330444336},{"text":"And last one here is in regards to borrowing money.","start":698.92,"end":701.82,"sentiment":"neutral","sentiment_score":0.10016706138849259},{"text":"So would you ever consider taking out a loan to invest personally?","start":702.04,"end":706.7,"sentiment":"neutral","sentiment_score":0.035602739080786705}],"sentiment":"neutral","sentiment_score":0.0044871192011568285,"num_words":45,"start":686.74506,"end":706.7},{"sentences":[{"text":"Probably not.","start":709.435,"end":710.175,"sentiment":"neutral","sentiment_score":-0.09412183985114098},{"text":"You would kind of for, I guess, an investment property or, like, the land.","start":710.875,"end":715.77496,"sentiment":"neutral","sentiment_score":-0.018659109050141915},{"text":"Yep.","start":717.035,"end":717.535,"sentiment":"neutral","sentiment_score":0.12870848178863523},{"text":"Perfect.","start":718.795,"end":719.295,"sentiment":"positive","sentiment_score":0.3428860306739807},{"text":"Now that tells me here that you have come out just kind of borderline between a growth and a high growth investor.","start":719.515,"end":730.03,"sentiment":"neutral","sentiment_score":0.07274093191054734}],"sentiment":"neutral","sentiment_score":0.04056059520225972,"num_words":40,"start":709.435,"end":730.03},{"sentences":[{"text":"And at the moment, we have you invested in a high growth portfolio.","start":730.65,"end":734.27,"sentiment":"neutral","sentiment_score":0.05785006026809032},{"text":"Do you remember what it means to be a high growth investor at all?","start":734.945,"end":738.645,"sentiment":"neutral","sentiment_score":0.049921970681420395},{"text":"Do you remember kind of what it means to be invested in a high growth portfolio?","start":740.785,"end":744.885,"sentiment":"neutral","sentiment_score":-0.014975802856497467},{"text":"Like, what it means or how it yeah.","start":745.02496,"end":752.25,"sentiment":"neutral","sentiment_score":-0.002743158722296357},{"text":"Exactly.","start":752.71,"end":753.11005,"sentiment":"neutral","sentiment_score":0.11452159285545348}],"sentiment":"neutral","sentiment_score":0.025075420199965056,"num_words":52,"start":730.65,"end":753.11005},{"sentences":[{"text":"So it basically tells me that you are looking at, you know, getting as much growth as you can out of your super.","start":753.11005,"end":758.17004,"sentiment":"neutral","sentiment_score":0.18957999478215756},{"text":"You do still have plenty of time on your retirement, but also that you do understand that there will be some, you know, some ups and downs and market fluctuations short term in order to try to achieve that growth.","start":758.47003,"end":770.015,"sentiment":"neutral","sentiment_score":0.08606077767908574},{"text":"And when we talk about as well how the money is invested, typically, we see about, you know, 90% invested in what we would call your growth assets.","start":770.795,"end":781.54,"sentiment":"neutral","sentiment_score":0.09323388364698205},{"text":"And that is a a combination of Australian shares, international shares, and properties as well.","start":781.83997,"end":789.13995,"sentiment":"neutral","sentiment_score":0.10287355184555054},{"text":"And that is what's going to kind of maximize that growth for you.","start":789.245,"end":792.625,"sentiment":"positive","sentiment_score":0.4726633532689168}],"sentiment":"neutral","sentiment_score":0.15210963528947669,"num_words":119,"start":753.11005,"end":792.625},{"sentences":[{"text":"And then you do have about 10% in defensive, like cash, gold, and fixed interest.","start":792.845,"end":797.82495,"sentiment":"neutral","sentiment_score":0.24492774903774261},{"text":"When it comes to a time frame, so making sure you have enough time in the market for those fluctuations, Ideally, typically, we want to see about eight years to retirement in a high growth portfolio.","start":799.725,"end":810.13,"sentiment":"neutral","sentiment_score":0.17023466672334406},{"text":"So from a time frame point of view, it is very suitable for you if that is still something you are comfortable with.","start":810.91,"end":816.85,"sentiment":"neutral","sentiment_score":0.3318959850332011},{"text":"Yeah.","start":820.84503,"end":821.34503,"sentiment":"positive","sentiment_score":0.5438497066497803},{"text":"Perfect.","start":821.485,"end":821.985,"sentiment":"positive","sentiment_score":0.6860301494598389}],"sentiment":"neutral","sentiment_score":0.24560331249315487,"num_words":76,"start":792.845,"end":821.985},{"sentences":[{"text":"Now yes.","start":822.685,"end":828.205,"sentiment":"positive","sentiment_score":0.4534563720226288},{"text":"And it's it's doing really well considering, you know, the market conditions and everything we've that's happened in the last twelve months, which which is good.","start":828.205,"end":837.29004,"sentiment":"positive","sentiment_score":0.46448710102301377},{"text":"Now, obviously, at the moment, so what I have done is I have sent you an email with some documents.","start":837.29004,"end":843.47003,"sentiment":"neutral","sentiment_score":0.048821402993053195},{"text":"So, obviously, later when you are not working and when you have a moment, just have a look through them for me.","start":843.98505,"end":850.16504,"sentiment":"neutral","sentiment_score":0.015000607479702343},{"text":"If you have any questions, just let me know.","start":850.86505,"end":853.525,"sentiment":"neutral","sentiment_score":0.0463611019982232}],"sentiment":"neutral","sentiment_score":0.18616795839293848,"num_words":79,"start":822.685,"end":853.525},{"sentences":[{"text":"Yep.","start":855.34503,"end":855.6,"sentiment":"neutral","sentiment_score":0.08192896842956543},{"text":"Now what those are, I'll just kind of explain to you.","start":855.92,"end":858.39996,"sentiment":"neutral","sentiment_score":0.07640406082976949},{"text":"So when you do have a look at it, you will have a super and insurance summary.","start":858.39996,"end":863.45996,"sentiment":"neutral","sentiment_score":0.09094901733538684},{"text":"So that one just kind of breaks down your current situation.","start":863.6,"end":866.81995,"sentiment":"neutral","sentiment_score":0.08977928757667542},{"text":"Now you do have your superannuation with hub twenty four, and you do have about 350,000 at $211 in there.","start":867.51996,"end":876.39496,"sentiment":"neutral","sentiment_score":0.12834531143307687}],"sentiment":"neutral","sentiment_score":0.10038308873772621,"num_words":60,"start":855.34503,"end":876.39496},{"sentences":[{"text":"Now you also have some insurances.","start":877.975,"end":879.915,"sentiment":"neutral","sentiment_score":0.08220584814747174},{"text":"So you have with Tal, you have a life insurance policy that will pay out 350,892 if something were to happen.","start":880.45496,"end":891.41,"sentiment":"neutral","sentiment_score":0.13162508003768467},{"text":"And then also that income protection paying you a monthly amount of 3,696.","start":891.87,"end":899.41,"sentiment":"neutral","sentiment_score":0.13951218128204346},{"text":"You have a full week waiting period to be in your benefit period, and that is costing you out of pocket about 1,400 and 30.","start":899.975,"end":908.795,"sentiment":"neutral","sentiment_score":0.12474167047068477},{"text":"You're still happy with that level of cover for your life and income protection?","start":910.695,"end":915.035,"sentiment":"positive","sentiment_score":0.48169814901692526}],"sentiment":"neutral","sentiment_score":0.1890295692955297,"num_words":79,"start":877.975,"end":915.035},{"sentences":[{"text":"Yep.","start":916.75,"end":917.25,"sentiment":"neutral","sentiment_score":0.2580340802669525},{"text":"Perfect.","start":917.39,"end":917.89,"sentiment":"positive","sentiment_score":0.5724122524261475},{"text":"And then you also have a total permanent disability insurance with Zurich.","start":918.03,"end":922.37,"sentiment":"neutral","sentiment_score":0.2589009130994479},{"text":"That is paid from within hub twenty four.","start":923.55,"end":926.93,"sentiment":"neutral","sentiment_score":0.17978918738663197},{"text":"That will pay out about 275,625, and it's pretty cheap.","start":928.03,"end":935.605,"sentiment":"positive","sentiment_score":0.401287579536438}],"sentiment":"neutral","sentiment_score":0.2933889557607472,"num_words":32,"start":916.75,"end":935.605},{"sentences":[{"text":"It's only costing about $320 per year.","start":935.605,"end":939.225,"sentiment":"neutral","sentiment_score":0.2512322791985103},{"text":"Still happy with that TPD cover as well?","start":940.965,"end":943.625,"sentiment":"positive","sentiment_score":0.387418769299984},{"text":"Yeah.","start":944.94,"end":945.44,"sentiment":"neutral","sentiment_score":0.24742181599140167},{"text":"Perfect.","start":945.66,"end":946.16,"sentiment":"positive","sentiment_score":0.4155801832675934},{"text":"Now what you will also have is a performance report.","start":946.7,"end":950.8,"sentiment":"neutral","sentiment_score":0.14095095843076705}],"sentiment":"neutral","sentiment_score":0.2566847293465226,"num_words":27,"start":935.605,"end":950.8},{"sentences":[{"text":"That one shows you all your investments and what has happened to your superannuation in the last twelve months.","start":951.42,"end":959.495,"sentiment":"neutral","sentiment_score":0.10640855996232283},{"text":"So when you do have a look at it, like we said, obviously, the last twelve months have seen a bit of fluctuations in the market with everything that's happened, but your portfolio has still done really well.","start":959.95496,"end":971.58997,"sentiment":"neutral","sentiment_score":0.12445693570924432},{"text":"So in the last twelve months after fees, your portfolio has still gone up by 10.28%, which we really have.","start":971.65,"end":981.27,"sentiment":"neutral","sentiment_score":0.1548846953548491},{"text":"Now there is one investment in the portfolio there, Matthew, that I would like to look at potentially changing for you if you are happy with that, and that would be your Benelon Australian equity.","start":983.30505,"end":995.405,"sentiment":"neutral","sentiment_score":-0.015077130336846625},{"text":"It is kind of underperforming a little bit at the moment.","start":995.55,"end":998.61,"sentiment":"negative","sentiment_score":-0.33605418422005395}],"sentiment":"neutral","sentiment_score":0.04572784158635915,"num_words":123,"start":951.42,"end":998.61},{"sentences":[{"text":"So if you are happy, I would like to go and do a bit of research on the investments and see if there's another potential option that is going to do a little bit better for you moving forward.","start":998.99,"end":1008.58997,"sentiment":"neutral","sentiment_score":0.05526996136475832},{"text":"If you if that is something you're happy for me to do?","start":1008.58997,"end":1010.925,"sentiment":"neutral","sentiment_score":0.0741610409071048},{"text":"Yeah.","start":1012.845,"end":1013.345,"sentiment":"neutral","sentiment_score":0.1367367058992386},{"text":"Great.","start":1013.725,"end":1014.205,"sentiment":"positive","sentiment_score":0.34398725628852844},{"text":"Perfect.","start":1014.205,"end":1014.705,"sentiment":"positive","sentiment_score":0.3504002094268799}],"sentiment":"neutral","sentiment_score":0.07178861399491628,"num_words":54,"start":998.99,"end":1014.705},{"sentences":[{"text":"Yeah.","start":1018.925,"end":1019.425,"sentiment":"neutral","sentiment_score":0.09687107056379318},{"text":"Yeah.","start":1020.125,"end":1020.625,"sentiment":"neutral","sentiment_score":0.08570410311222076},{"text":"Right.","start":1020.925,"end":1021.425,"sentiment":"neutral","sentiment_score":0.13911843299865723},{"text":"Exactly.","start":1026.62,"end":1027.02,"sentiment":"neutral","sentiment_score":0.2488747239112854},{"text":"It is that kind of mutual beneficial relationship.","start":1027.02,"end":1030.56,"sentiment":"neutral","sentiment_score":0.30073942244052887}],"sentiment":"neutral","sentiment_score":0.24804030917584896,"num_words":12,"start":1018.925,"end":1030.56},{"sentences":[{"text":"So with the investments, it will take me about a week to put everything together because I obviously wanna make sure we look at, you know, fees and if there's any capital gain tax and performance and kind of assess everything for you.","start":1030.78,"end":1043.735,"sentiment":"neutral","sentiment_score":0.14842983075352603},{"text":"So it will take me about a week.","start":1043.9551,"end":1045.8151,"sentiment":"neutral","sentiment_score":0.123952217400074},{"text":"I will then go through the recommendation with you, and then you can basically let me know if you are happy with it.","start":1045.875,"end":1051.975,"sentiment":"positive","sentiment_score":0.3923346478006114},{"text":"So when is do you have any availability next week for me to go through that with you?","start":1052.94,"end":1059.36,"sentiment":"neutral","sentiment_score":0.07495102017290062},{"text":"It's pretty, quite flexible.","start":1060.7,"end":1062.72,"sentiment":"neutral","sentiment_score":0.2822735533118248}],"sentiment":"neutral","sentiment_score":0.19662510351433107,"num_words":96,"start":1030.78,"end":1062.72},{"sentences":[{"text":"Do you do you normally perform mornings or afternoons, or it doesn't really matter?","start":1063.58,"end":1068.495,"sentiment":"neutral","sentiment_score":0.06196938295449529},{"text":"About lunchtime?","start":1070.635,"end":1071.455,"sentiment":"neutral","sentiment_score":0.08951461315155029},{"text":"Okay.","start":1071.515,"end":1071.9149,"sentiment":"neutral","sentiment_score":0.1344161331653595},{"text":"Perfect.","start":1071.9149,"end":1072.4149,"sentiment":"positive","sentiment_score":0.4344200789928436},{"text":"Yep.","start":1076.075,"end":1076.5549,"sentiment":"neutral","sentiment_score":0.12669861316680908}],"sentiment":"neutral","sentiment_score":0.09169133752584457,"num_words":19,"start":1063.58,"end":1076.5549},{"sentences":[{"text":"Let me well, I could do next Tuesday, July 21 at 12PM, if that works for you.","start":1076.5549,"end":1089.285,"sentiment":"neutral","sentiment_score":0.12790874567101984},{"text":"That would be perfect?","start":1090.645,"end":1091.525,"sentiment":"positive","sentiment_score":0.525581106543541},{"text":"Okay.","start":1091.525,"end":1092.025,"sentiment":"neutral","sentiment_score":0.09022261202335358},{"text":"Now if anything does change and you can't make it, just let me know, and I can always get it shuffled around for you.","start":1092.165,"end":1099.7051,"sentiment":"neutral","sentiment_score":0.057042997873698674},{"text":"Perfect.","start":1101.7001,"end":1102.2001,"sentiment":"neutral","sentiment_score":0.32598817348480225}],"sentiment":"neutral","sentiment_score":0.1289790603629452,"num_words":47,"start":1076.5549,"end":1102.2001},{"sentences":[{"text":"Otherwise, that is booked in on Tuesday, the twenty first of July at 12PM.","start":1102.26,"end":1108.3601,"sentiment":"neutral","sentiment_score":0.16159799801451818},{"text":"I would have to do because I wanna make sure it's all tailored to you.","start":1111.9401,"end":1116.435,"sentiment":"neutral","sentiment_score":0.15001727243264515},{"text":"So I'd wanna make sure it's it's quite individualized.","start":1116.5951,"end":1119.3351,"sentiment":"neutral","sentiment_score":0.13735020409027734},{"text":"So I wanna make sure I do all the research before, and then I'll kind of go through that with you next week and kind of show you how that's going to potentially change and what it would look like.","start":1119.7151,"end":1131.51,"sentiment":"neutral","sentiment_score":0.11291132643818855},{"text":"Yeah.","start":1131.67,"end":1132.17,"sentiment":"neutral","sentiment_score":0.008965076878666878}],"sentiment":"neutral","sentiment_score":0.13005317759381818,"num_words":79,"start":1102.26,"end":1132.17},{"sentences":[{"text":"Now there is just a couple of more documents in that document there for you, Matthew.","start":1133.35,"end":1137.05,"sentiment":"neutral","sentiment_score":0.06560746813192964},{"text":"You will have a Oakview services guide next, which basically you would have seen a couple of times before.","start":1137.11,"end":1144.63,"sentiment":"neutral","sentiment_score":0.10803680631675218},{"text":"It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview if you wanna have a bit of a read over it.","start":1144.63,"end":1152.9751,"sentiment":"neutral","sentiment_score":0.1661028554663062},{"text":"You will also see myself there on page 10 if you do wanna put a face to the voice.","start":1154.0751,"end":1158.81,"sentiment":"neutral","sentiment_score":0.11108896920555517},{"text":"Yep.","start":1160.25,"end":1160.75,"sentiment":"neutral","sentiment_score":0.08626710623502731}],"sentiment":"neutral","sentiment_score":0.1220076747838108,"num_words":87,"start":1133.35,"end":1160.75},{"sentences":[{"text":"You'll also have just a copy of your insurances again.","start":1160.9701,"end":1164.01,"sentiment":"neutral","sentiment_score":0.3136335268616676},{"text":"Just basically lets you know that's all paid and up to date.","start":1164.01,"end":1167.15,"sentiment":"positive","sentiment_score":0.3624660794933637},{"text":"That's all there for you.","start":1167.6101,"end":1169.7101,"sentiment":"positive","sentiment_score":0.45208885669708254},{"text":"And then there are two documents that it will ask you to add a signature if you're happy with that.","start":1169.77,"end":1177.005,"sentiment":"neutral","sentiment_score":0.20909385047852994},{"text":"Now one of them is your ongoing service agreement.","start":1177.225,"end":1181.005,"sentiment":"positive","sentiment_score":0.33450354470147026}],"sentiment":"neutral","sentiment_score":0.3024782396054694,"num_words":56,"start":1160.9701,"end":1181.005},{"sentences":[{"text":"That is just basically to say that you are happy to stay on as a client.","start":1181.225,"end":1185.165,"sentiment":"positive","sentiment_score":0.5605827607214451},{"text":"Now there is no changes whatsoever in regards to that fee structure.","start":1185.78,"end":1190.04,"sentiment":"neutral","sentiment_score":0.09745869413018227},{"text":"And because there was a change decline as well, you guys are on that reduced fee of 1.1 from Super.","start":1190.18,"end":1197.3,"sentiment":"neutral","sentiment_score":0.2046364087611437},{"text":"So that's not increasing or anything.","start":1197.3,"end":1198.9801,"sentiment":"neutral","sentiment_score":0.12007315705219905},{"text":"It stays exactly the same at 1.1, and it is not a lock in contract.","start":1198.9801,"end":1203.985,"sentiment":"neutral","sentiment_score":0.17655789256095886}],"sentiment":"neutral","sentiment_score":0.25507773923269217,"num_words":69,"start":1181.225,"end":1203.985},{"sentences":[{"text":"So at any point in time, you are not happy, it is not a lock in contract.","start":1204.045,"end":1208.0651,"sentiment":"neutral","sentiment_score":0.015417922069044673},{"text":"But, otherwise, by signing those documents, it just allows us to start with your account and manage everything for you in the meantime.","start":1208.125,"end":1213.745,"sentiment":"positive","sentiment_score":0.3694682756195898},{"text":"Yeah.","start":1215.47,"end":1215.87,"sentiment":"neutral","sentiment_score":0.12024878710508348},{"text":"Do you have any questions in regards to any of those documents?","start":1215.87,"end":1218.69,"sentiment":"neutral","sentiment_score":0.08162599491576354},{"text":"Anything I went through there with you, Matthew, which is pretty straightforward?","start":1218.75,"end":1221.6499,"sentiment":"neutral","sentiment_score":0.13758297823369503}],"sentiment":"neutral","sentiment_score":0.1770866381434294,"num_words":65,"start":1204.045,"end":1221.6499},{"sentences":[{"text":"Yeah.","start":1223.95,"end":1224.45,"sentiment":"neutral","sentiment_score":0.060314927250146866},{"text":"Yeah.","start":1225.23,"end":1225.73,"sentiment":"neutral","sentiment_score":0.035229261964559555},{"text":"Yeah.","start":1226.365,"end":1226.845,"sentiment":"neutral","sentiment_score":0.24033936858177185},{"text":"Perfect.","start":1226.845,"end":1227.345,"sentiment":"positive","sentiment_score":0.41262510418891907},{"text":"So when you have a moment, that should be in your inbox now.","start":1227.8049,"end":1231.345,"sentiment":"neutral","sentiment_score":0.19363728624123794}],"sentiment":"neutral","sentiment_score":0.19210549312479355,"num_words":17,"start":1223.95,"end":1231.345},{"sentences":[{"text":"Have a look through your spam folder as well because we have recently changed software.","start":1231.645,"end":1237.025,"sentiment":"neutral","sentiment_score":0.003967880954345067},{"text":"So it might end up in your spam folder.","start":1237.245,"end":1239.345,"sentiment":"neutral","sentiment_score":-0.07312248316076067},{"text":"So, obviously, when you finish work or when you have a moment, just jump on, have a quick review of them for me.","start":1239.72,"end":1245.0,"sentiment":"neutral","sentiment_score":0.14824462843977887},{"text":"If you have any questions, let me know.","start":1245.0,"end":1247.02,"sentiment":"neutral","sentiment_score":0.07699719723314047},{"text":"Otherwise, I will just need you to sign that document.","start":1247.32,"end":1250.62,"sentiment":"neutral","sentiment_score":0.18851716816425323}],"sentiment":"neutral","sentiment_score":0.08172602429986,"num_words":65,"start":1231.645,"end":1250.62},{"sentences":[{"text":"If you are happy with that, it will automatically send it back to me, and then I will see it come through, which is great.","start":1250.6799,"end":1258.2749,"sentiment":"positive","sentiment_score":0.4498132348060608},{"text":"Otherwise, I will give you a call next Tuesday, the twenty first at 12PM and go through that research on the investment.","start":1259.1349,"end":1266.4349,"sentiment":"neutral","sentiment_score":0.11644456603310326},{"text":"Yes, please.","start":1271.38,"end":1272.02,"sentiment":"neutral","sentiment_score":0.1248689740896225},{"text":"If you could, that would be good.","start":1272.02,"end":1273.56,"sentiment":"neutral","sentiment_score":0.27569364649908884},{"text":"Yeah.","start":1275.4601,"end":1275.9601,"sentiment":"neutral","sentiment_score":0.017352795228362083}],"sentiment":"neutral","sentiment_score":0.2807729402066846,"num_words":57,"start":1250.6799,"end":1275.9601},{"sentences":[{"text":"Do you have any questions for me before I let you go and get back to work?","start":1276.02,"end":1280.76,"sentiment":"neutral","sentiment_score":0.005643806803752394},{"text":"No?","start":1284.0349,"end":1284.355,"sentiment":"neutral","sentiment_score":-0.06459174305200577},{"text":"Okay.","start":1284.355,"end":1284.855,"sentiment":"neutral","sentiment_score":-0.008283128030598164},{"text":"Veronica.","start":1285.475,"end":1285.975,"sentiment":"neutral","sentiment_score":0.0010804720222949982},{"text":"Yeah.","start":1287.955,"end":1288.455,"sentiment":"neutral","sentiment_score":0.2244599461555481}],"sentiment":"neutral","sentiment_score":0.011838583940906184,"num_words":21,"start":1276.02,"end":1288.455},{"sentences":[{"text":"Perfect.","start":1288.515,"end":1288.835,"sentiment":"positive","sentiment_score":0.5943511128425598},{"text":"If you do think of anything, though, don't hesitate to give me a call or send me an email.","start":1288.835,"end":1292.695,"sentiment":"neutral","sentiment_score":0.16880965781839272},{"text":"Okay.","start":1294.2899,"end":1294.7899,"sentiment":"positive","sentiment_score":0.405106782913208},{"text":"No problem.","start":1294.85,"end":1295.57,"sentiment":"positive","sentiment_score":0.5879555642604828},{"text":"You enjoy the rest of your afternoon.","start":1295.57,"end":1297.19,"sentiment":"positive","sentiment_score":0.7494734610830035}],"sentiment":"positive","sentiment_score":0.35430222501357395,"num_words":30,"start":1288.515,"end":1297.19},{"sentences":[{"text":"Yeah.","start":1299.57,"end":1299.97,"sentiment":"neutral","sentiment_score":0.1923961341381073},{"text":"Talk to you next Tuesday.","start":1299.97,"end":1301.01,"sentiment":"neutral","sentiment_score":0.23756891787052153},{"text":"Thanks, Matthew.","start":1301.01,"end":1301.91,"sentiment":"positive","sentiment_score":0.728522777557373},{"text":"Bye.","start":1303.01,"end":1303.51,"sentiment":"positive","sentiment_score":0.4187619090080261}],"sentiment":"positive","sentiment_score":0.36178313195705414,"num_words":9,"start":1299.57,"end":1303.51}]}}]},{"alternatives":[{"transcript":"Hello? Speaking. Good. Thanks. How are you? Oh, this is over for a few. I yep. Yeah. It is. It's alright. I'm just finishing some concrete, but that's fine. I can talk while I'm working. I just might get a I just might get a bit past, but don't mind that. Yeah. No. All good. Yep. Yeah. Yeah. Yeah. Busy. Pouring concrete. So anyway. Nine hours. Yep. Yep. Yep. Yep. Yep. Yeah. Maybe. Maybe a little bit less. Oh, I'd say, yeah, probably about the same, maybe 40,000. I have previous years, but I didn't this year. So yeah, I have I've sort of I smashed it the last few years, and then we've just bought a new hair a couple years ago. So sort of trying to put a bit of money into that. Yep. No. I usually let you let you guys know if I do put money in there. No. We bought a new one for ourselves. Yep. Okay? Yep. That's it. Yeah. We bought a few easy guys. They're usually all the time. Had a value? Yeah. It'd be a million dollars now. Yeah. Probably a million. I've got another property with a mortgage. I've I own that one outright. Yes. Alright. Yeah. We were gonna build on it, but we went on there. Yeah. It's a it's a land. Yep. What did you say? Sorry? Yeah. Probably around that. Yeah. 5 or 600 thousand. Yeah. Probably 600,000. Yeah. A little bit more. Probably about $1.60. Yeah. It's probably depreciate a little bit, but, yeah, probably around that. Yep. I'm I'm I'm not one. I bought a new truck that I sold my Mazda. It's worth about $70. Yeah. I'm financing that. Yes, sir. Well, that's twelve months, so I probably owe probably a probably 16 now, I would assume. No. No. No. No. What'd you say? Sorry? Yes. I've got a will. Yes. No. I don't think we did. Yep. And the key's not there. He's got the key's up here. Nah. Probably just I'm thinking about potentially selling more at the block. I've got a DA approval for it for seven blocks. So I would like to maybe sell that and clear my debt or potentially build on it myself, maybe. No. That's it. I mean, just try and pay my mortgage off. Yep. Yep. Have I ever bought the house myself? No. At what height? It's probably a little bit earlier if I can. 55. Yep. Yep. Keep all the empty, same 100. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I think so. Yep. Moderate to high, maybe. Maybe high at my age. There's one above that, isn't there? Yeah. No. Not at the high. No. I'd probably just run it out, like, three. Nah. Probably just neutral. Probably not. Yeah. Maybe potentially. Yep. Yep. Yep. What did you tell you? Sorry. Oh, I mean, I'm willing to take a little bit of risk, but not stupid risk. Yep. Yes. Yep. Yep. Yep. Yep. Yeah. I'm happy with how my Supa's tracked for the last twelve months. I think I've got I think I've got a lot more than people my age would have in Supa. So yeah. Yep. Yep. Yep. Yep. Yep. No worries. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I think so. Yep. Yep. Yep. Yeah. In style. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. Yep. I think so. If you guys I'm sort of guy. You know what you guys did is the best because we were done. And, obviously, the more money you guys make for me, the more money you guys earn. So yep. Yep. Yep. Yep. Okay. Oh, yeah. Whenever I'm self employed so I can sort it. Yeah. I'll just order. Probably lunchtime, this is good. Yeah. Sorta. Like, 12:00 is usually pretty good. Usually, but we're just doing concrete today. Yeah. That'll be fine. Yep. Yep. No worries. Sorry. Yeah. Yep. So who are you thinking about going with? Or Yeah. Yep. Yep. No worries. No worries. Yep. Yep. No worries. Yep. Yep. Yep. Yep. Yep. No worries. No. It's all good. Thank you. I'll wait to hear from you. I'll wait for the thing. Yep. Yep. Yep. Yep. Do I have to sign that before you got you ring me back next week? Or no worries. Righto. No. That's it. What was your name again? Sorry. Veronica. No worries. No worries. Thank you. I'll talk to you next Tuesday. Thank you. 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Speaking. Good. Thanks. How are you?\n\nOh, this is over for a few. I yep. Yeah. It is. It's alright.\n\nI'm just finishing some concrete, but that's fine. I can talk while I'm working. I just might get a I just might get a bit past, but don't mind that. Yeah. No.\n\nAll good. Yep. Yeah. Yeah. Yeah.\n\nBusy. Pouring concrete. So anyway. Nine hours. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nMaybe. Maybe a little bit less. Oh, I'd say, yeah, probably about the same, maybe 40,000. I have previous years, but I didn't this year. So yeah, I have I've sort of I smashed it the last few years, and then we've just bought a new hair a couple years ago.\n\nSo sort of trying to put a bit of money into that. Yep. No. I usually let you let you guys know if I do put money in there. No.\n\nWe bought a new one for ourselves. Yep. Okay? Yep. That's it.\n\nYeah. We bought a few easy guys. They're usually all the time. Had a value? Yeah.\n\nIt'd be a million dollars now. Yeah. Probably a million. I've got another property with a mortgage. I've I own that one outright.\n\nYes. Alright. Yeah. We were gonna build on it, but we went on there. Yeah.\n\nIt's a it's a land. Yep. What did you say? Sorry? Yeah.\n\nProbably around that. Yeah. 5 or 600 thousand. Yeah. Probably 600,000.\n\nYeah. A little bit more. Probably about $1.60. Yeah. It's probably depreciate a little bit, but, yeah, probably around that.\n\nYep. I'm I'm I'm not one. I bought a new truck that I sold my Mazda. It's worth about $70. Yeah.\n\nI'm financing that. Yes, sir. Well, that's twelve months, so I probably owe probably a probably 16 now, I would assume. No. No.\n\nNo. No. What'd you say? Sorry? Yes.\n\nI've got a will. Yes. No. I don't think we did. Yep.\n\nAnd the key's not there. He's got the key's up here. Nah. Probably just I'm thinking about potentially selling more at the block. I've got a DA approval for it for seven blocks.\n\nSo I would like to maybe sell that and clear my debt or potentially build on it myself, maybe. No. That's it. I mean, just try and pay my mortgage off. Yep.\n\nYep. Have I ever bought the house myself? No. At what height? It's probably a little bit earlier if I can.\n\n55. Yep. Yep. Keep all the empty, same 100. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI think so. Yep. Moderate to high, maybe. Maybe high at my age. There's one above that, isn't there?\n\nYeah. No. Not at the high. No. I'd probably just run it out, like, three.\n\nNah. Probably just neutral. Probably not. Yeah. Maybe potentially.\n\nYep. Yep. Yep. What did you tell you? Sorry.\n\nOh, I mean, I'm willing to take a little bit of risk, but not stupid risk. Yep. Yes. Yep. Yep.\n\nYep. Yep. Yeah. I'm happy with how my Supa's tracked for the last twelve months. I think I've got I think I've got a lot more than people my age would have in Supa.\n\nSo yeah. Yep. Yep. Yep. Yep.\n\nYep. No worries. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nI think so. Yep. Yep. Yep. Yeah.\n\nIn style. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYep. I think so. If you guys I'm sort of guy. You know what you guys did is the best because we were done. And, obviously, the more money you guys make for me, the more money you guys earn.\n\nSo yep. Yep. Yep. Yep. Okay.\n\nOh, yeah. Whenever I'm self employed so I can sort it. Yeah. I'll just order. Probably lunchtime, this is good.\n\nYeah. Sorta. Like, 12:00 is usually pretty good. Usually, but we're just doing concrete today. Yeah.\n\nThat'll be fine. Yep. Yep. No worries. Sorry.\n\nYeah. Yep. So who are you thinking about going with? Or Yeah. Yep.\n\nYep. No worries. No worries. Yep. Yep.\n\nNo worries. Yep. Yep. Yep. Yep.\n\nYep. No worries. No. It's all good. Thank you.\n\nI'll wait to hear from you. I'll wait for the thing. Yep. Yep. Yep.\n\nYep. Do I have to sign that before you got you ring me back next week? Or no worries. Righto. No.\n\nThat's it. What was your name again? Sorry. Veronica. No worries.\n\nNo worries. Thank you. I'll talk to you next Tuesday. Thank you. Goodbye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.03383700177073479},{"text":"Speaking.","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":0.06479588150978088},{"text":"Good.","start":7.9199996,"end":8.24,"sentiment":"positive","sentiment_score":0.4569770693778992},{"text":"Thanks.","start":8.24,"end":8.48,"sentiment":"positive","sentiment_score":0.5045133233070374},{"text":"How are you?","start":8.48,"end":9.22,"sentiment":"neutral","sentiment_score":0.26790522535641986}],"sentiment":"neutral","sentiment_score":0.26626270743353025,"num_words":7,"start":0.56,"end":9.22},{"sentences":[{"text":"Oh, this is over for a few.","start":16.445,"end":17.905,"sentiment":"neutral","sentiment_score":0.013653164197291647},{"text":"I 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good.","start":1222.605,"end":1223.085,"sentiment":"neutral","sentiment_score":0.31915411353111267},{"text":"Thank you.","start":1223.085,"end":1223.5651,"sentiment":"positive","sentiment_score":0.46814143657684326}],"sentiment":"neutral","sentiment_score":0.2625514715909958,"num_words":9,"start":1214.27,"end":1223.5651},{"sentences":[{"text":"I'll wait to hear from you.","start":1223.5651,"end":1224.525,"sentiment":"neutral","sentiment_score":0.0650220662355423},{"text":"I'll wait for the 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worries.","start":1270.36,"end":1274.44,"sentiment":"neutral","sentiment_score":0.09508382404843967},{"text":"Righto.","start":1274.44,"end":1274.94,"sentiment":"neutral","sentiment_score":0.10425826162099838},{"text":"No.","start":1282.6649,"end":1282.9049,"sentiment":"neutral","sentiment_score":-0.16206276416778564}],"sentiment":"neutral","sentiment_score":0.03434142381662414,"num_words":21,"start":1258.645,"end":1282.9049},{"sentences":[{"text":"That's it.","start":1282.9049,"end":1283.465,"sentiment":"neutral","sentiment_score":-0.12775474041700363},{"text":"What was your name again?","start":1283.465,"end":1284.4249,"sentiment":"neutral","sentiment_score":-0.0570487454533577},{"text":"Sorry.","start":1284.4249,"end":1284.9249,"sentiment":"neutral","sentiment_score":-0.01646077074110508},{"text":"Veronica.","start":1286.585,"end":1287.085,"sentiment":"neutral","sentiment_score":0.007237163372337818},{"text":"No 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Good afternoon. Is this Matthew?\n\nChannel 1: Speaking.\n\nChannel 0: This is Veronica from ACU Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Oh, this is over for a few. I yep.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. It is. It's alright. I'm just finishing some concrete, but that's fine. I can talk while I'm working.\n\nChannel 0: Yeah. Okay. No worries. I will\n\nChannel 1: I\n\nChannel 0: try\n\nChannel 1: just\n\nChannel 0: not\n\nChannel 1: might\n\nChannel 0: to\n\nChannel 1: get\n\nChannel 0: keep you\n\nChannel 1: a\n\nChannel 0: for\n\nChannel 1: I just\n\nChannel 0: too\n\nChannel 1: might\n\nChannel 0: long.\n\nChannel 1: get a bit past, but\n\nChannel 0: That's\n\nChannel 1: don't mind\n\nChannel 0: all\n\nChannel 1: that.\n\nChannel 0: good. All good. If you have to go, though, just just let me know.\n\nChannel 1: Yeah. No. All good.\n\nChannel 0: Yeah. Perfect. Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just for security purposes, just so I can confirm I'm speaking with the right person, I do have a password on file. Do you know where that might be?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. And how's your day been? Been\n\nChannel 1: Yeah.\n\nChannel 0: a bit busy?\n\nChannel 1: Yeah. Busy. Pouring concrete. So anyway.\n\nChannel 0: I can't imagine. Now before I kind of do jump into the under review there with you, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus a little bit extra on, or whether it's just a bit of a catch up and see where everything's at?\n\nChannel 1: Nine hours.\n\nChannel 0: Nah? Alright. Perfect. So what I might do first is just to quickly go through just a bit of an updated fact time just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just kinda bear\n\nChannel 1: Yep.\n\nChannel 0: with me as I confirm this. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. And when it comes to employment wise, you're still self employed?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I do have income here last time we spoke at around 50,000. Is that still the case? That's how much you're gonna pay\n\nChannel 1: Yep.\n\nChannel 0: yourself?\n\nChannel 1: Yeah. Maybe. Maybe a little bit less.\n\nChannel 0: Around that, or how much would you say?\n\nChannel 1: Oh, I'd say, yeah, probably about the same, maybe 40,000.\n\nChannel 0: About 40? Okay. Perfect. Yeah. And when it comes to your superannuation as well, Are you making any contributions yourself into super at the moment?\n\nChannel 1: I have previous years, but I didn't this year. So\n\nChannel 0: Okay. No. That's okay.\n\nChannel 1: yeah, I\n\nChannel 0: If\n\nChannel 1: have\n\nChannel 0: it is\n\nChannel 1: I've sort of I smashed it the last few years, and then we've just bought a new hair a couple years ago. So sort of trying to put\n\nChannel 0: yep.\n\nChannel 1: a bit\n\nChannel 0: Bit\n\nChannel 1: of money\n\nChannel 0: of\n\nChannel 1: into that.\n\nChannel 0: yep. No. That's fine. Obviously, if you do end up putting a little bit in at some point this year, and if you do, the end, wanna claim that notice of intent at the end of this one issue, just let us know. Or if you do want any, you know, assistance with different contributions as well.\n\nChannel 1: Yep. No. I usually let you\n\nChannel 0: Yeah.\n\nChannel 1: let you guys know if I do put money\n\nChannel 0: Yeah.\n\nChannel 1: in there.\n\nChannel 0: Yeah. Perfect. Now you did say you recently bought another property. Is that an investment property or just changed the one you guys are living in?\n\nChannel 1: No. We bought a new one for ourselves.\n\nChannel 0: Oh, yeah. And how much is just so I have the right address. Let me just triple check for you.\n\nChannel 1: Yep.\n\nChannel 0: Is that the one at 9 Duroin Drive?\n\nChannel 1: Okay? Yep. That's it.\n\nChannel 0: Okay. Perfect. So that's your new property?\n\nChannel 1: Yeah. We bought a few easy guys. They're usually all the time.\n\nChannel 0: Ah, perfect. All good. How I have it valued at about $9.50. Does that sound about right?\n\nChannel 1: Had a value?\n\nChannel 0: Yeah. Like, if you were\n\nChannel 1: Yeah.\n\nChannel 0: to sell\n\nChannel 1: It'd be\n\nChannel 0: it\n\nChannel 1: a million\n\nChannel 0: today,\n\nChannel 1: dollars now.\n\nChannel 0: about millionth call.\n\nChannel 1: Yeah. Probably\n\nChannel 0: And how much do you\n\nChannel 1: a\n\nChannel 0: guys have on the mortgage? Do you know roughly?\n\nChannel 1: million. I've got another property with a mortgage. I've I own that one outright.\n\nChannel 0: Okay. Perfect. So you own that one. And the other property, is that an investment property?\n\nChannel 1: Yes. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. We were gonna build on it, but we went on there.\n\nChannel 0: Okay. So you said it's like a land\n\nChannel 1: Yeah.\n\nChannel 0: like a\n\nChannel 1: It's\n\nChannel 0: land\n\nChannel 1: a it's\n\nChannel 0: at\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: land.\n\nChannel 0: moment?\n\nChannel 1: Yep.\n\nChannel 0: Oh, yeah. Yeah. And valued at about 600,000?\n\nChannel 1: What did you say? Sorry?\n\nChannel 0: Valued at about 600, do you think?\n\nChannel 1: Yeah. Probably around that. Yeah. 5 or 600\n\nChannel 0: About\n\nChannel 1: thousand. Yeah. Probably 600,000.\n\nChannel 0: yep. And mortgage about $1.50 for that one?\n\nChannel 1: Yeah. A little bit more. Probably about $1.60.\n\nChannel 0: About $1.60. Perfect. And I also have here a motor vehicle valued at about 140,000.\n\nChannel 1: Yeah. It's probably depreciate a little bit, but, yeah, probably around that. Yep.\n\nChannel 0: Around that. And do you own that one outright, or do you have a loan?\n\nChannel 1: I'm I'm I'm not one.\n\nChannel 0: Alright. Yeah. Perfect. Any other assets we've that's changed in the last twelve months?\n\nChannel 1: I bought a new truck that I sold\n\nChannel 0: Yeah.\n\nChannel 1: my Mazda.\n\nChannel 0: Oh, yeah. And how much is that one worth?\n\nChannel 1: It's worth about $70.\n\nChannel 0: Still any perfect and anything owing on it?\n\nChannel 1: Yeah. I'm financing that.\n\nChannel 0: Okay. So how\n\nChannel 1: Yes,\n\nChannel 0: do\n\nChannel 1: sir.\n\nChannel 0: you like, the set the 70 owing or, like, 60, or how much\n\nChannel 1: Well,\n\nChannel 0: do\n\nChannel 1: that's\n\nChannel 0: you think?\n\nChannel 1: twelve months, so I probably owe probably a probably 16 now, I would\n\nChannel 0: About about 60. Perfect. Anything else?\n\nChannel 1: assume.\n\nChannel 0: And\n\nChannel 1: No.\n\nChannel 0: when it comes to health and lifestyle, still a nonsmoker? Yeah. Perfect. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or anything?\n\nNo.\n\nChannel 1: No.\n\nChannel 0: Beautiful. And do you have that's good. And do you have private health insurance?\n\nChannel 1: No. No.\n\nChannel 0: No. And when it comes through estate planning, do you guys have a will in place or power of attorney? Do you know?\n\nChannel 1: What'd you say? Sorry?\n\nChannel 0: Do you have a will or power of attorney in place?\n\nChannel 1: Yes. I've got a will. Yes.\n\nChannel 0: You got perfect. Do you know if you guys made a nomination for power of attorney at the same time as you got the will set up?\n\nChannel 1: No. I don't think we did.\n\nChannel 0: Nope. That's alright. And when it comes to your superannuation, I do have here that if something would've happened to you, it would go to Jane at a 100%. Let's\n\nChannel 1: Yep.\n\nChannel 0: go over this case. Yep. Perfect.\n\nChannel 1: And the key's not there. He's got the key's up here.\n\nChannel 0: Yeah. And and you guys have that kind of succession in the will and stuff as well if something would happen to yeah. Okay. Beautiful. Yep.\n\nNow is there anything that you guys are working towards financially or nonfinancially or other goals that you guys have in the next couple of years that you're working towards?\n\nChannel 1: Nah. Probably just\n\nChannel 0: No.\n\nChannel 1: I'm thinking about potentially selling more at the block.\n\nChannel 0: Yep.\n\nChannel 1: I've got a DA approval for it for seven blocks. So\n\nChannel 0: Yep.\n\nChannel 1: I would like to maybe sell that and clear my debt\n\nChannel 0: Yep. Yep. Okay.\n\nChannel 1: or\n\nChannel 0: Perfect.\n\nChannel 1: potentially build on it\n\nChannel 0: Yep. Alright. K. Perfect.\n\nChannel 1: myself,\n\nChannel 0: Anything else\n\nChannel 1: maybe.\n\nChannel 0: you guys are working to work?\n\nChannel 1: No. That's it. I mean, just\n\nChannel 0: No.\n\nChannel 1: try and pay my mortgage off.\n\nChannel 0: Yep. And when it comes to student as well there, Matthew, what I will go through next is just a couple of questions just to see if your risk tolerance has changed when it comes to how your money is invested in within your superannuation. So it is just multiple choice to make it nice and easy for you.\n\nChannel 1: Yep.\n\nChannel 0: No right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares on the stock market yourself, Matthew?\n\nChannel 1: Have I ever bought the house myself?\n\nChannel 0: Yes.\n\nChannel 1: No.\n\nChannel 0: No. And at the moment, are you still kind of planning on retiring at 60, or do\n\nChannel 1: At\n\nChannel 0: you\n\nChannel 1: what\n\nChannel 0: think\n\nChannel 1: height?\n\nChannel 0: you work longer? 60.\n\nChannel 1: It's probably a little bit earlier if I can. 55.\n\nChannel 0: Yeah. Perfect. And with the current legislation, the earliest you can access super anyway is at the age of 60 if you've retired. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: you can retire early if you want to. You just can't access super until 60. But I also have here that when you do draw an income from super, that about 1,500 was last kind of what your goals were to kind of cover your side of, obviously, bills and expenses and everything like that. Do you still think that's kind of achievable?\n\nChannel 1: Yep. Keep all the empty, same 100.\n\nChannel 0: A a week. Yeah. Taking\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: from\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: super.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I think so. Yep.\n\nChannel 0: Yep. Perfect. And that would just be for yourself as well. Now when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Moderate to high, maybe.\n\nChannel 0: Moderate to high. And which one would you lean more towards if you had to choose?\n\nChannel 1: Maybe high at my age.\n\nChannel 0: Maybe. Yep.\n\nChannel 1: There's one\n\nChannel 0: You\n\nChannel 1: above\n\nChannel 0: still\n\nChannel 1: that,\n\nChannel 0: got\n\nChannel 1: isn't there?\n\nChannel 0: yes. So you have very high or just high?\n\nChannel 1: Yeah. No. Not at the high.\n\nChannel 0: Yep. Perfect. You still do, you know, have plenty of time until you can access that, so that makes sense. And when it comes to fluctuations, so if you, for example, placed an investment, so you invested in something, and then after six months, it fell by 20% due to this general market trend. Would you think that if you had the option to do so, or now is potentially a good time to put a little bit more in while the prices are down, or would you be kind of a bit more neutral despite and see what happens, or would you want to shift to a more secure asset?\n\nBut that means you are then selling when the prices have dropped.\n\nChannel 1: No. I'd probably just run it out, like, three.\n\nChannel 0: Yeah. Perfect. And when it comes to fluctuations, so any investments like super or anything that's gone down, if you did ever notice that at any point in time, would you think you would feel optimistic about potential opportunities? Again, just kind of a bit neutral, not making further investments, or it would make you quite concerned or anxious?\n\nChannel 1: Nah. Probably just neutral.\n\nChannel 0: Just neutral. Perfect. And last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest personally?\n\nChannel 1: Probably not.\n\nChannel 0: Probably not. You would kind of for, I guess, an investment property or, like,\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Maybe\n\nChannel 0: land.\n\nChannel 1: potentially. Yep.\n\nChannel 0: Yep. Perfect. Now that tells me here that you have come out just kind of borderline between a growth and a high growth investor. And at\n\nChannel 1: Yep.\n\nChannel 0: the moment, we have you invested in a high growth portfolio. Do you remember\n\nChannel 1: Yep.\n\nChannel 0: what it means to be a high growth investor at all?\n\nChannel 1: What did you tell you? Sorry.\n\nChannel 0: Do you remember kind of what it means to be invested in a high growth portfolio? Like, what it means or how it\n\nChannel 1: Oh, I mean, I'm willing to take a little bit of risk, but not stupid risk.\n\nChannel 0: yeah. Exactly. So it basically tells me that you are looking at, you know, getting as much growth as you can out of your super. You\n\nChannel 1: Yep.\n\nChannel 0: do still have plenty of time on your retirement, but also that you do understand that there will be some, you know, some ups and downs and market fluctuations short term in order\n\nChannel 1: Yes.\n\nChannel 0: to try to achieve that growth. And when we talk about as well how the money is invested, typically, we see about, you know, 90% invested in what we would call your growth\n\nChannel 1: Yep.\n\nChannel 0: assets. And that\n\nChannel 1: Yep.\n\nChannel 0: is a a combination of Australian shares, international shares, and properties as well. And that is what's\n\nChannel 1: Yep.\n\nChannel 0: going to kind of maximize that growth for you. And then you do have about 10% in defensive, like cash, gold, and fixed interest. When it comes to a time frame, so making sure you have enough time in the market for those fluctuations, Ideally, typically, we want to see about eight years to retirement in a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So from a time frame point of view, it is very suitable for you if that is still something you are comfortable with.\n\nChannel 1: Yeah. I'm happy with how my Supa's tracked for the last twelve months.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: I think\n\nChannel 0: Now\n\nChannel 1: I've got I think I've got a lot more than people my age would have in Supa. So\n\nChannel 0: yes. And it's it's doing really well considering, you know, the market conditions and everything we've that's happened in the last twelve months,\n\nChannel 1: yeah. Yep. Yep.\n\nChannel 0: which which is good. Now, obviously, at the moment, so what I have done is I have sent you an email with some documents. So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, later when you are not working and when you have a moment, just have a look through them for me. If you have any questions, just let me know.\n\nChannel 1: Yep. Yep. No worries.\n\nChannel 0: Yep. Now what those are, I'll just kind of explain to you. So when you do have a look at it, you will have a super and insurance summary. So that one just kind of breaks down your current situation.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: you do have your superannuation with hub twenty four, and you do have about 350,000 at $211 in there.\n\nChannel 1: Yep.\n\nChannel 0: Now you also have some insurances. So\n\nChannel 1: Yep.\n\nChannel 0: you have with Tal, you have a life insurance policy that\n\nChannel 1: Yep.\n\nChannel 0: will pay out 350,892 if something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: And then also that income protection paying you a monthly amount of 3,696. You have a full week waiting period to be in your benefit period, and that is costing you out of pocket about 1,400 and\n\nChannel 1: Yep.\n\nChannel 0: 30. You're still happy with that level of cover for your life and income protection?\n\nChannel 1: Yeah. I think so. Yep.\n\nChannel 0: Yep. Perfect. And then you also have a total permanent disability insurance with Zurich. That is paid from within hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: That will pay out about 275,625, and it's pretty cheap. It's only costing about $320 per year.\n\nChannel 1: Yep.\n\nChannel 0: Still happy with that TPD cover as well?\n\nChannel 1: Yeah. In style. Yep.\n\nChannel 0: Yeah. Perfect. Now what you will also have is a performance report. That\n\nChannel 1: Yep.\n\nChannel 0: one shows you all your investments and what has happened to your superannuation in the last twelve months. So\n\nChannel 1: Yep.\n\nChannel 0: when you do have a look at it, like we said, obviously, the last twelve months have seen a bit of fluctuations in the market with everything that's happened, but your portfolio has still done really well. So in the last twelve months after fees, your portfolio has still gone up by 10.28%, which we\n\nChannel 1: Yep.\n\nChannel 0: really\n\nChannel 1: Yep.\n\nChannel 0: have. Now there is one investment in the portfolio there, Matthew, that I\n\nChannel 1: Yeah.\n\nChannel 0: would like to look at potentially changing for you if you are happy with that, and that would be your Benelon Australian equity. It is kind of underperforming a little bit at the moment.\n\nChannel 1: Yep.\n\nChannel 0: So if you are happy, I would like to go and do a bit of research on the investments and see if there's another potential option that is going to do a little bit better for you moving forward. If you if that is something you're happy for me to do?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Great.\n\nChannel 1: think so.\n\nChannel 0: Perfect.\n\nChannel 1: If you guys I'm sort of guy. You know what you guys did is the best because we were done.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And, obviously,\n\nChannel 0: Right.\n\nChannel 1: the more money you guys make for me, the more money you guys earn. So\n\nChannel 0: Exactly. It is that kind of mutual beneficial relationship. So with the investments, it will take me about a week to put everything together because I\n\nChannel 1: yep.\n\nChannel 0: obviously wanna make sure we look at, you know, fees and if there's any capital gain tax and performance and kind of assess everything for you. So it\n\nChannel 1: Yep.\n\nChannel 0: will take me about a week. I will then go through the recommendation with you, and then\n\nChannel 1: Yep.\n\nChannel 0: you can basically let me know if you are happy with it.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So when is do you have any availability next week for me to go through that\n\nChannel 1: Oh,\n\nChannel 0: with you?\n\nChannel 1: yeah. Whenever I'm self employed so I\n\nChannel 0: It's\n\nChannel 1: can sort\n\nChannel 0: pretty,\n\nChannel 1: it.\n\nChannel 0: quite flexible.\n\nChannel 1: Yeah.\n\nChannel 0: Do\n\nChannel 1: I'll\n\nChannel 0: you\n\nChannel 1: just order.\n\nChannel 0: do you normally perform mornings or afternoons, or it doesn't really matter?\n\nChannel 1: Probably lunchtime, this is good.\n\nChannel 0: About lunchtime? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Sorta. Like, 12:00 is usually pretty good. Usually,\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Let\n\nChannel 1: we're just\n\nChannel 0: me\n\nChannel 1: doing concrete today.\n\nChannel 0: well, I could do next Tuesday, July 21 at 12PM, if that works for you.\n\nChannel 1: Yeah. That'll be fine.\n\nChannel 0: That would be perfect? Okay. Now if anything does change and you can't\n\nChannel 1: Yep.\n\nChannel 0: make it, just let me know, and I can always get it shuffled around for you.\n\nChannel 1: Yep. No worries. Sorry. Yeah.\n\nChannel 0: Perfect. Otherwise, that is booked in on Tuesday, the twenty first of\n\nChannel 1: Yep.\n\nChannel 0: July at 12PM.\n\nChannel 1: So who are you thinking about going with? Or\n\nChannel 0: I would have to do because I wanna make sure it's all tailored to you. So I'd\n\nChannel 1: Yeah.\n\nChannel 0: wanna make sure it's it's\n\nChannel 1: Yep.\n\nChannel 0: quite individualized. So I wanna make sure I do all the research before, and\n\nChannel 1: Yep.\n\nChannel 0: then I'll kind of go through that with you next week\n\nChannel 1: No worries.\n\nChannel 0: and kind of show you how that's going to potentially change and what it would look like.\n\nChannel 1: No\n\nChannel 0: Yeah.\n\nChannel 1: worries.\n\nChannel 0: Now there is just a couple of more documents in that document there for you, Matthew. You will have a Oakview services guide next,\n\nChannel 1: Yep.\n\nChannel 0: which basically you would have seen a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview if you wanna have a bit of a read over it. You will also see myself there on page 10 if you do wanna put a face to the voice.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: You'll also have just a copy of your insurances again. Just basically lets you know that's all paid and up to date. That's all\n\nChannel 1: Yep.\n\nChannel 0: there for you. And then there are two documents that it will ask you to add a signature if you're happy with that.\n\nChannel 1: Yep.\n\nChannel 0: Now one of them is your ongoing service agreement. That is just basically to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to that fee structure. And because\n\nChannel 1: Yep.\n\nChannel 0: there was a change decline as well, you guys are on that reduced fee of 1.1 from Super. So that's not increasing or anything. It stays exactly the same at 1.1, and it is not a lock in contract. So at any point in time, you are not happy, it is not a lock in contract. But, otherwise, by signing those documents, it just allows us to start with your account and manage everything for you in the meantime.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah. Do you have any questions in regards to any of those documents? Anything I went through there with you, Matthew, which is pretty straightforward?\n\nChannel 1: No. It's all good. Thank you. I'll wait\n\nChannel 0: Yeah.\n\nChannel 1: to hear from you. I'll wait for the\n\nChannel 0: Yeah.\n\nChannel 1: thing.\n\nChannel 0: Yeah. Perfect. So when you have a moment, that should be in your inbox now. Have a look through your spam folder as well because we have\n\nChannel 1: Yep.\n\nChannel 0: recently changed software. So it might end up in your spam folder. So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, when you finish work or when you have a moment, just jump on, have a quick review of them for me. If you have any questions, let me know. Otherwise,\n\nChannel 1: Yep.\n\nChannel 0: I will just need you to sign that document. If you are happy with that, it will automatically send it back to me, and then I will see it come through, which is great.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, I will give you a call next Tuesday, the twenty first at 12PM and go through that research on the investment.\n\nChannel 1: Do I have to sign that before you got you ring me back next week? Or\n\nChannel 0: Yes, please. If you could, that would be good.\n\nChannel 1: no worries. Righto.\n\nChannel 0: Yeah. Do you have any questions for me before I let you go and get back to work?\n\nChannel 1: No. That's it. What was your name\n\nChannel 0: No?\n\nChannel 1: again?\n\nChannel 0: Okay.\n\nChannel 1: Sorry.\n\nChannel 0: Veronica.\n\nChannel 1: Veronica. No worries.\n\nChannel 0: Yeah. Perfect. If you do think of anything, though, don't hesitate to give me a call or send me an email.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Okay. No problem. You enjoy the rest of your afternoon.\n\nChannel 1: I'll talk to you next Tuesday.\n\nChannel 0: Yeah. Talk to you next Tuesday.\n\nChannel 1: Thank\n\nChannel 0: Thanks, Matthew. Bye.\n\nChannel 1: you. Goodbye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.03383700177073479}],"sentiment":"neutral","sentiment_score":0.03383700177073479,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.22618797421455383},{"text":"Is this Matthew?","start":2.48,"end":3.3,"sentiment":"neutral","sentiment_score":0.13738967974980673}],"sentiment":"neutral","sentiment_score":0.17290899753570557,"channel":0,"num_words":5,"start":1.8399999,"end":3.3},{"sentences":[{"text":"Speaking.","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":0.06479588150978088}],"sentiment":"neutral","sentiment_score":0.06479588150978088,"channel":1,"num_words":1,"start":3.6799998,"end":4.18},{"sentences":[{"text":"This is Veronica from ACU 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time, you are not happy, it is not a lock in contract.","start":1204.045,"end":1208.0651,"sentiment":"neutral","sentiment_score":0.015417922069044673},{"text":"But, otherwise, by signing those documents, it just allows us to start with your account and manage everything for you in the meantime.","start":1208.125,"end":1213.745,"sentiment":"positive","sentiment_score":0.3694682756195898}],"sentiment":"neutral","sentiment_score":0.1996838721104815,"channel":0,"num_words":79,"start":1191.06,"end":1213.745},{"sentences":[{"text":"Yep.","start":1214.27,"end":1214.75,"sentiment":"neutral","sentiment_score":0.12097658216953278},{"text":"No worries.","start":1214.75,"end":1215.41,"sentiment":"neutral","sentiment_score":0.14155294746160507}],"sentiment":"neutral","sentiment_score":0.1346941590309143,"channel":1,"num_words":3,"start":1214.27,"end":1215.41},{"sentences":[{"text":"Yeah.","start":1215.47,"end":1215.87,"sentiment":"neutral","sentiment_score":0.12024878710508348},{"text":"Do you have any questions in regards to any of those documents?","start":1215.87,"end":1218.69,"sentiment":"neutral","sentiment_score":0.08162599491576354},{"text":"Anything I went through there with you, Matthew, which is pretty straightforward?","start":1218.75,"end":1221.6499,"sentiment":"neutral","sentiment_score":0.13758297823369503}],"sentiment":"neutral","sentiment_score":0.11003025859594345,"channel":0,"num_words":25,"start":1215.47,"end":1221.6499},{"sentences":[{"text":"No.","start":1222.525,"end":1222.605,"sentiment":"neutral","sentiment_score":0.06513555347919464},{"text":"It's all good.","start":1222.605,"end":1223.085,"sentiment":"neutral","sentiment_score":0.31915411353111267},{"text":"Thank you.","start":1223.085,"end":1223.5651,"sentiment":"positive","sentiment_score":0.46814143657684326},{"text":"I'll 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inbox now.","start":1227.8049,"end":1231.345,"sentiment":"neutral","sentiment_score":0.19363728624123794},{"text":"Have a look through your spam folder as well because we have","start":1231.645,"end":1235.565,"sentiment":"neutral","sentiment_score":0.02352320185552041}],"sentiment":"neutral","sentiment_score":0.12787139319159366,"channel":0,"num_words":27,"start":1226.365,"end":1235.565},{"sentences":[{"text":"Yep.","start":1235.4199,"end":1235.9199,"sentiment":"neutral","sentiment_score":-0.02254624292254448}],"sentiment":"neutral","sentiment_score":-0.02254624292254448,"channel":1,"num_words":1,"start":1235.4199,"end":1235.9199},{"sentences":[{"text":"recently changed software.","start":1235.565,"end":1237.025,"sentiment":"neutral","sentiment_score":-0.07425340265035629},{"text":"So it might end up in your spam folder.","start":1237.245,"end":1239.345,"sentiment":"neutral","sentiment_score":-0.07312248316076067},{"text":"So,","start":1239.72,"end":1239.96,"sentiment":"neutral","sentiment_score":0.10980544984340668}],"sentiment":"neutral","sentiment_score":-0.05931208511957756,"channel":0,"num_words":13,"start":1235.565,"end":1239.96},{"sentences":[{"text":"Yep.","start":1239.82,"end":1240.32,"sentiment":"neutral","sentiment_score":0.12196247279644012}],"sentiment":"neutral","sentiment_score":0.12196247279644012,"channel":1,"num_words":1,"start":1239.82,"end":1240.32},{"sentences":[{"text":"obviously, when you finish work or when you have a moment, just jump on, have a quick review of them for me.","start":1239.96,"end":1245.0,"sentiment":"neutral","sentiment_score":0.14999186383052307},{"text":"If you have any questions, let me know.","start":1245.0,"end":1247.02,"sentiment":"neutral","sentiment_score":0.07699719723314047},{"text":"Otherwise,","start":1247.32,"end":1247.72,"sentiment":"neutral","sentiment_score":0.1455303430557251}],"sentiment":"neutral","sentiment_score":0.131010610490076,"channel":0,"num_words":31,"start":1239.96,"end":1247.72},{"sentences":[{"text":"Yep.","start":1247.525,"end":1248.025,"sentiment":"neutral","sentiment_score":0.197128027677536}],"sentiment":"neutral","sentiment_score":0.197128027677536,"channel":1,"num_words":1,"start":1247.525,"end":1248.025},{"sentences":[{"text":"I will just need you to sign that document.","start":1247.72,"end":1250.62,"sentiment":"neutral","sentiment_score":0.1932934820652008},{"text":"If you are happy with that, it will automatically send it back to me, and then I will see it come through, which is great.","start":1250.6799,"end":1258.2749,"sentiment":"positive","sentiment_score":0.4498132348060608}],"sentiment":"positive","sentiment_score":0.38191094731583314,"channel":0,"num_words":34,"start":1247.72,"end":1258.2749},{"sentences":[{"text":"Yep.","start":1258.645,"end":1259.145,"sentiment":"neutral","sentiment_score":0.18557092547416687}],"sentiment":"neutral","sentiment_score":0.18557092547416687,"channel":1,"num_words":1,"start":1258.645,"end":1259.145},{"sentences":[{"text":"Otherwise, I will give you a call next Tuesday, the twenty first at 12PM and go through that research on the investment.","start":1259.1349,"end":1266.4349,"sentiment":"neutral","sentiment_score":0.11644456603310326}],"sentiment":"neutral","sentiment_score":0.11644456603310326,"channel":0,"num_words":22,"start":1259.1349,"end":1266.4349},{"sentences":[{"text":"Do I have to sign that before you got you ring me back next week?","start":1266.84,"end":1270.36,"sentiment":"neutral","sentiment_score":0.020543467005093893},{"text":"Or","start":1270.36,"end":1270.52,"sentiment":"neutral","sentiment_score":0.06154576316475868}],"sentiment":"neutral","sentiment_score":0.023106110515072942,"channel":1,"num_words":16,"start":1266.84,"end":1270.52},{"sentences":[{"text":"Yes, please.","start":1271.38,"end":1272.02,"sentiment":"neutral","sentiment_score":0.1248689740896225},{"text":"If you could, that would be good.","start":1272.02,"end":1273.56,"sentiment":"neutral","sentiment_score":0.27569364649908884}],"sentiment":"neutral","sentiment_score":0.24217705263031852,"channel":0,"num_words":9,"start":1271.38,"end":1273.56},{"sentences":[{"text":"no worries.","start":1273.88,"end":1274.44,"sentiment":"neutral","sentiment_score":0.11185285449028015},{"text":"Righto.","start":1274.44,"end":1274.94,"sentiment":"neutral","sentiment_score":0.10425826162099838}],"sentiment":"neutral","sentiment_score":0.10932132353385289,"channel":1,"num_words":3,"start":1273.88,"end":1274.94},{"sentences":[{"text":"Yeah.","start":1275.4601,"end":1275.9601,"sentiment":"neutral","sentiment_score":0.017352795228362083},{"text":"Do you have any questions for me before I let you go and get back to work?","start":1276.02,"end":1280.76,"sentiment":"neutral","sentiment_score":0.005643806803752394}],"sentiment":"neutral","sentiment_score":0.006294306160675155,"channel":0,"num_words":18,"start":1275.4601,"end":1280.76},{"sentences":[{"text":"No.","start":1282.6649,"end":1282.9049,"sentiment":"neutral","sentiment_score":-0.16206276416778564},{"text":"That's it.","start":1282.9049,"end":1283.465,"sentiment":"neutral","sentiment_score":-0.12775474041700363},{"text":"What was your name","start":1283.465,"end":1284.105,"sentiment":"neutral","sentiment_score":-0.05686697270721197}],"sentiment":"neutral","sentiment_score":-0.09214859083294868,"channel":1,"num_words":7,"start":1282.6649,"end":1284.105},{"sentences":[{"text":"No?","start":1284.0349,"end":1284.355,"sentiment":"neutral","sentiment_score":-0.06459174305200577}],"sentiment":"neutral","sentiment_score":-0.06459174305200577,"channel":0,"num_words":1,"start":1284.0349,"end":1284.355},{"sentences":[{"text":"again?","start":1284.105,"end":1284.4249,"sentiment":"neutral","sentiment_score":-0.0577758364379406}],"sentiment":"neutral","sentiment_score":-0.0577758364379406,"channel":1,"num_words":1,"start":1284.105,"end":1284.4249},{"sentences":[{"text":"Okay.","start":1284.355,"end":1284.855,"sentiment":"neutral","sentiment_score":-0.008283128030598164}],"sentiment":"neutral","sentiment_score":-0.008283128030598164,"channel":0,"num_words":1,"start":1284.355,"end":1284.855},{"sentences":[{"text":"Sorry.","start":1284.4249,"end":1284.9249,"sentiment":"neutral","sentiment_score":-0.01646077074110508}],"sentiment":"neutral","sentiment_score":-0.01646077074110508,"channel":1,"num_words":1,"start":1284.4249,"end":1284.9249},{"sentences":[{"text":"Veronica.","start":1285.475,"end":1285.975,"sentiment":"neutral","sentiment_score":0.0010804720222949982}],"sentiment":"neutral","sentiment_score":0.0010804720222949982,"channel":0,"num_words":1,"start":1285.475,"end":1285.975},{"sentences":[{"text":"Veronica.","start":1286.585,"end":1287.085,"sentiment":"neutral","sentiment_score":0.007237163372337818},{"text":"No worries.","start":1287.225,"end":1287.885,"sentiment":"neutral","sentiment_score":0.08793703466653824}],"sentiment":"neutral","sentiment_score":0.06103707756847143,"channel":1,"num_words":3,"start":1286.585,"end":1287.885},{"sentences":[{"text":"Yeah.","start":1287.955,"end":1288.455,"sentiment":"neutral","sentiment_score":0.2244599461555481},{"text":"Perfect.","start":1288.515,"end":1288.835,"sentiment":"positive","sentiment_score":0.5943511128425598},{"text":"If you do think of anything, though, don't hesitate to give me a call or send me an email.","start":1288.835,"end":1292.695,"sentiment":"neutral","sentiment_score":0.16880965781839272}],"sentiment":"neutral","sentiment_score":0.19172355035940805,"channel":0,"num_words":21,"start":1287.955,"end":1292.695},{"sentences":[{"text":"No worries.","start":1293.1599,"end":1293.72,"sentiment":"neutral","sentiment_score":0.2485351413488388},{"text":"Thank you.","start":1293.72,"end":1294.46,"sentiment":"positive","sentiment_score":0.6194677948951721}],"sentiment":"positive","sentiment_score":0.43400146812200546,"channel":1,"num_words":4,"start":1293.1599,"end":1294.46},{"sentences":[{"text":"Okay.","start":1294.2899,"end":1294.7899,"sentiment":"positive","sentiment_score":0.405106782913208},{"text":"No problem.","start":1294.85,"end":1295.57,"sentiment":"positive","sentiment_score":0.5879555642604828},{"text":"You enjoy the rest of your afternoon.","start":1295.57,"end":1297.19,"sentiment":"positive","sentiment_score":0.7494734610830035}],"sentiment":"positive","sentiment_score":0.6827332139015198,"channel":0,"num_words":10,"start":1294.2899,"end":1297.19},{"sentences":[{"text":"I'll talk to you next Tuesday.","start":1297.3999,"end":1299.0199,"sentiment":"positive","sentiment_score":0.38206663231054944}],"sentiment":"positive","sentiment_score":0.38206663231054944,"channel":1,"num_words":6,"start":1297.3999,"end":1299.0199},{"sentences":[{"text":"Yeah.","start":1299.57,"end":1299.97,"sentiment":"neutral","sentiment_score":0.1923961341381073},{"text":"Talk to you next Tuesday.","start":1299.97,"end":1301.01,"sentiment":"neutral","sentiment_score":0.23756891787052153}],"sentiment":"neutral","sentiment_score":0.23004012058178583,"channel":0,"num_words":6,"start":1299.57,"end":1301.01},{"sentences":[{"text":"Thank","start":1300.7109,"end":1301.2109,"sentiment":"positive","sentiment_score":0.7103429436683655}],"sentiment":"positive","sentiment_score":0.7103429436683655,"channel":1,"num_words":1,"start":1300.7109,"end":1301.2109},{"sentences":[{"text":"Thanks, Matthew.","start":1301.01,"end":1301.91,"sentiment":"positive","sentiment_score":0.728522777557373},{"text":"Bye.","start":1303.01,"end":1303.51,"sentiment":"positive","sentiment_score":0.4187619090080261}],"sentiment":"positive","sentiment_score":0.6252691547075907,"channel":0,"num_words":3,"start":1301.01,"end":1303.51},{"sentences":[{"text":"you.","start":1305.4359,"end":1305.6859,"sentiment":"neutral","sentiment_score":0.32217979431152344},{"text":"Goodbye.","start":1305.6859,"end":1305.9359,"sentiment":"neutral","sentiment_score":-0.1253805309534073}],"sentiment":"neutral","sentiment_score":0.09839963167905807,"channel":1,"num_words":2,"start":1305.4359,"end":1305.9359}]},"summary":{"result":"success","short":"Representatives from ACU Financial speak with customers about their annual reviews, personal information, health and lifestyle, and investment properties. They discuss risk tolerance, retirement plans, health and lifestyle goals, and potential financial goals. The representatives also provide information on investment properties and home equity loans, recommend different investment options, and provide guidance on signing ongoing service agreements and other documents. The agents stress the importance of having enough time in the market for fluctuations and offer assistance for spam folder queries."},"intents":{"segments":[{"text":"I'm just finishing some concrete, but that's fine. I can talk while I'm working. Yeah. Okay.","start_word":59,"end_word":74,"intents":[{"intent":"Discuss concrete work","confidence_score":0.06628568}]},{"text":"Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":125,"end_word":154,"intents":[{"intent":"Confirm contact information","confidence_score":0.00017782269}]},{"text":"And just for security purposes, just so I can confirm I'm speaking with the right person, I do have a password on file. Do you know where that might be? Yeah.","start_word":157,"end_word":187,"intents":[{"intent":"Confirm identity","confidence_score":0.69959784},{"intent":"Confirm identity","confidence_score":0.15522672},{"intent":"Provide password","confidence_score":0.021657782},{"intent":"Confirm identity","confidence_score":0.43385226}]},{"text":"Now before I kind of do jump into the under review there with you, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus a little bit extra on, or whether it's just a bit of a catch up and see where everything's at? Nine hours.","start_word":209,"end_word":275,"intents":[{"intent":"Discuss interest areas","confidence_score":0.0008203476}]},{"text":"Now I do have income here last time we spoke at around 50,000. Is that still the case?","start_word":375,"end_word":392,"intents":[{"intent":"Check income and contributions","confidence_score":0.00046709116}]},{"text":"And when it comes through estate planning, do you guys have a will in place or power of attorney? Do you know?","start_word":1036,"end_word":1057,"intents":[{"intent":"Clarify power of attorney","confidence_score":0.0018329591}]},{"text":"Now is there anything that you guys are working towards financially or nonfinancially or other goals that you guys have in the next couple of years that you're working towards? Nah.","start_word":1186,"end_word":1216,"intents":[{"intent":"Ask about personal goals","confidence_score":0.0031203656}]},{"text":"I would like to maybe sell that and clear my debt Yep.","start_word":1242,"end_word":1253,"intents":[{"intent":"Resolve debt","confidence_score":0.001507541}]},{"text":"But I also have here that when you do draw an income from super, that about 1,500 was last kind of what your goals were to kind of cover your side of, obviously, bills and expenses and everything like that. Do you still think that's kind of achievable? Yep.","start_word":1470,"end_word":1518,"intents":[{"intent":"Evaluate retirement goals","confidence_score":0.017626917}]},{"text":"And when it comes to fluctuations, so any investments like super or anything that's gone down, if you did ever notice that at any point in time, would you think you would feel optimistic about potential opportunities?","start_word":1779,"end_word":1815,"intents":[{"intent":"Analyze investments and outlook","confidence_score":0.0000092595155}]},{"text":"is a a combination of Australian shares, international shares, and properties as well. And that is what's Yep. going to kind of maximize that growth for you. And then you do have about 10% in defensive, like cash, gold, and fixed interest.","start_word":2085,"end_word":2126,"intents":[{"intent":"Provide information","confidence_score":0.20358343}]},{"text":"And that is what's Yep. going to kind of maximize that growth for you.","start_word":2097,"end_word":2110,"intents":[{"intent":"Maximize growth","confidence_score":0.78932476}]},{"text":"When it comes to a time frame, so making sure you have enough time in the market for those fluctuations, Ideally, typically, we want to see about eight years to retirement in a high growth portfolio. Yep.","start_word":2126,"end_word":2162,"intents":[{"intent":"Optimize timing","confidence_score":0.0025688116}]},{"text":"I'm happy with how my Supa's tracked for the last twelve months. Yeah. Perfect.","start_word":2187,"end_word":2200,"intents":[{"intent":"Track supa","confidence_score":0.1489534}]},{"text":"Now what those are, I'll just kind of explain to you. So when you do have a look at it, you will have a super and insurance summary. So that one just kind of breaks down your current situation. Yep.","start_word":2309,"end_word":2348,"intents":[{"intent":"Explain situation","confidence_score":0.25288126}]},{"text":"will take me about a week. I will then go through the recommendation with you, and then Yep. you can basically let me know if you are happy with it. Yep.","start_word":2810,"end_word":2840,"intents":[{"intent":"Schedule scheduling","confidence_score":0.0007736508}]},{"text":"Do you have any questions in regards to any of those documents? Anything I went through there with you, Matthew, which is pretty straightforward? No.","start_word":3334,"end_word":3358,"intents":[{"intent":"Connect with documents","confidence_score":0.00029068138}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Matthew? Speaking. This is Veronica from ACU Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.12547624111175537},{"text":"Good. Thanks.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.48074519634246826},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.276266872882843},{"text":"Yeah. I'm good. Thanks. I had you booked in to go over your annual review.","start_word":21,"end_word":35,"sentiment":"positive","sentiment_score":0.4377785623073578},{"text":"Is now still a good time for you? Oh, this is over for a few. I yep. Yes. Yeah. It is. It's alright. I'm just finishing some concrete, but that's fine. I can talk while I'm working. Yeah. Okay. No worries. I will I try just not might to get keep you a for I just too might long. get a bit past, but That's don't mind all that. good. All good. If you have to go, though, just just let me know. Yeah. No. All good. Yeah. Perfect. Now, Matthew, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Perfect. And just for security purposes, just so I can confirm I'm speaking with the right person, I do have a password on file. Do you know where that might be? Yeah. Yeah. Beautiful. And how's your day been? Been Yeah. a bit busy? Yeah. Busy. Pouring concrete. So anyway. I can't imagine. Now before I kind of do jump into the under review there with you, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus a little bit extra on, or whether it's just a bit of a catch up and see where everything's at? Nine hours. Nah? Alright. Perfect. So what I might do first is just to quickly go through just a bit of an updated fact time just to see if there is anything major that has changed in your life if we do need to make any changes to your advice. So just kinda bear Yep. with me as I confirm this. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yep. Yep. Yep.","start_word":36,"end_word":359,"sentiment":"neutral","sentiment_score":0.05465459078550339},{"text":"Perfect.","start_word":360,"end_word":360,"sentiment":"positive","sentiment_score":0.7460776567459106},{"text":"And when it comes to employment wise, you're still self employed? Yep. Yep.","start_word":361,"end_word":373,"sentiment":"neutral","sentiment_score":0.1233828216791153},{"text":"Perfect.","start_word":374,"end_word":374,"sentiment":"positive","sentiment_score":0.5242429375648499},{"text":"Now I do have income here last time we spoke at around 50,000. Is that still the case? That's how much you're gonna pay Yep. yourself? Yeah. Maybe. Maybe a little bit less. Around that, or how much would you say? Oh, I'd say, yeah, probably about the same, maybe 40,000. About 40? Okay.","start_word":375,"end_word":428,"sentiment":"neutral","sentiment_score":0.05924764275550842},{"text":"Perfect.","start_word":429,"end_word":429,"sentiment":"positive","sentiment_score":0.5073996186256409},{"text":"Yeah. And when it comes to your superannuation as well, Are you making any contributions yourself into super at the moment? I have previous years, but I didn't this year. So Okay. No. That's okay. yeah, I If have it is I've sort of I smashed it the last few years, and then we've just bought a new hair a couple years ago. So sort of trying to put yep. a bit Bit of money of into that. yep. No. That's fine. Obviously, if you do end up putting a little bit in at some point this year, and if you do, the end, wanna claim that notice of intent at the end of this one issue, just let us know. Or if you do want any, you know, assistance with different contributions as well. Yep. No. I usually let you Yeah. let you guys know if I do put money Yeah. in there. Yeah.","start_word":430,"end_word":584,"sentiment":"neutral","sentiment_score":0.04020687937736511},{"text":"Perfect.","start_word":585,"end_word":585,"sentiment":"positive","sentiment_score":0.39004895091056824},{"text":"Now you did say you recently bought another property. Is that an investment property or just changed the one you guys are living in? No. We bought a new one for ourselves. Oh, yeah. And how much is just so I have the right address. Let me just triple check for you. Yep. Is that the one at 9 Duroin Drive? Okay? Yep. That's it. Okay.","start_word":586,"end_word":651,"sentiment":"neutral","sentiment_score":0.03470396250486374},{"text":"Perfect.","start_word":652,"end_word":652,"sentiment":"positive","sentiment_score":0.4329495131969452},{"text":"So that's your new property? Yeah.","start_word":653,"end_word":658,"sentiment":"neutral","sentiment_score":0.2220944911241531},{"text":"We bought a few easy guys.","start_word":659,"end_word":664,"sentiment":"positive","sentiment_score":0.3968391716480255},{"text":"They're usually all the time.","start_word":665,"end_word":669,"sentiment":"neutral","sentiment_score":0.28595611453056335},{"text":"Ah, perfect. All good.","start_word":670,"end_word":673,"sentiment":"positive","sentiment_score":0.6157617568969727},{"text":"How I have it valued at about $9.50. Does that sound about right? Had a value? Yeah. Like, if you were Yeah. to sell It'd be it a million today, dollars now. about millionth call. Yeah. Probably And how much do you a guys have on the mortgage? Do you know roughly? million. I've got another property with a mortgage. I've I own that one outright. Okay.","start_word":674,"end_word":740,"sentiment":"neutral","sentiment_score":0.048133788574764975},{"text":"Perfect.","start_word":741,"end_word":741,"sentiment":"positive","sentiment_score":0.4969056844711304},{"text":"So you own that one. And the other property, is that an investment property? Yes. Alright. Yeah. Yeah. We were gonna build on it, but we went on there. Okay. So you said it's like a land Yeah. like a It's land a it's at a the land. moment? Yep. Oh, yeah. Yeah. And valued at about 600,000? What did you say? Sorry? Valued at about 600, do you think? Yeah. Probably around that. Yeah. 5 or 600 About thousand. Yeah. Probably 600,000. yep. And mortgage about $1.50 for that one? Yeah. A little bit more. Probably about $1.60. About $1.60. Perfect. And I also have here a motor vehicle valued at about 140,000. Yeah. It's probably depreciate a little bit, but, yeah, probably around that. Yep. Around that. And do you own that one outright, or do you have a loan? I'm I'm I'm not one. Alright. Yeah. Perfect. Any other assets we've that's changed in the last twelve months? I bought a new truck that I sold Yeah. my Mazda. Oh, yeah. And how much is that one worth? It's worth about $70. Still any perfect and anything owing on it? Yeah. I'm financing that. Okay. So how Yes, do sir. you like, the set the 70 owing or, like, 60, or how much Well, do that's you think? twelve months, so I probably owe probably a probably 16 now, I would About about 60. Perfect. Anything else? assume. And No. when it comes to health and lifestyle, still a nonsmoker? Yeah. Perfect. And have you had any changes to your health in the last twelve months? Any illnesses or injuries or anything? No. No. Beautiful.","start_word":742,"end_word":1019,"sentiment":"neutral","sentiment_score":0.02823994681239128},{"text":"And do you have that's good.","start_word":1020,"end_word":1025,"sentiment":"positive","sentiment_score":0.3715589940547943},{"text":"And do you have private health insurance? No. No. No. And when it comes through estate planning, do you guys have a will in place or power of attorney? Do you know? What'd you say? Sorry? Do you have a will or power of attorney in place? Yes. I've got a will. Yes.","start_word":1026,"end_word":1078,"sentiment":"neutral","sentiment_score":-0.00308744003996253},{"text":"You got perfect.","start_word":1079,"end_word":1081,"sentiment":"positive","sentiment_score":0.46026378870010376},{"text":"Do you know if you guys made a nomination for power of attorney at the same time as you got the will set up? No. I don't think we did. Nope. That's alright. And when it comes to your superannuation, I do have here that if something would've happened to you, it would go to Jane at a 100%. Let's Yep. go over this case. Yep.","start_word":1082,"end_word":1147,"sentiment":"neutral","sentiment_score":0.06325468420982361},{"text":"Perfect.","start_word":1148,"end_word":1148,"sentiment":"positive","sentiment_score":0.45279720425605774},{"text":"And the key's not there. He's got the key's up here. Yeah. And and you guys have that kind of succession in the will and stuff as well if something would happen to yeah. Okay.","start_word":1149,"end_word":1183,"sentiment":"neutral","sentiment_score":0.09408146888017654},{"text":"Beautiful.","start_word":1184,"end_word":1184,"sentiment":"positive","sentiment_score":0.6006455421447754},{"text":"Yep. Now is there anything that you guys are working towards financially or nonfinancially or other goals that you guys have in the next couple of years that you're working towards? Nah. Probably just No. I'm thinking about potentially selling more at the block. Yep. I've got a DA approval for it for seven blocks. So Yep. I would like to maybe sell that and clear my debt Yep. Yep. Okay. or Perfect. potentially build on it Yep. Alright. K. Perfect. myself, Anything else maybe. you guys are working to work? No. That's it. I mean, just No. try and pay my mortgage off. Yep. And when it comes to student as well there, Matthew, what I will go through next is just a couple of questions just to see if your risk tolerance has changed when it comes to how your money is invested in within your superannuation.","start_word":1185,"end_word":1333,"sentiment":"neutral","sentiment_score":0.08281715214252472},{"text":"So it is just multiple choice to make it nice and easy for you.","start_word":1334,"end_word":1347,"sentiment":"positive","sentiment_score":0.3492445945739746},{"text":"Yep. No right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Yep.","start_word":1348,"end_word":1370,"sentiment":"neutral","sentiment_score":0.15668480098247528},{"text":"Perfect.","start_word":1371,"end_word":1371,"sentiment":"positive","sentiment_score":0.4136702120304108},{"text":"Now have you ever bought direct shares on the stock market yourself, Matthew? Have I ever bought the house myself? Yes. No. No. And at the moment, are you still kind of planning on retiring at 60, or do At you what think height? you work longer? 60. It's probably a little bit earlier if I can. 55.","start_word":1372,"end_word":1429,"sentiment":"neutral","sentiment_score":-0.004926122259348631},{"text":"Yeah. Perfect.","start_word":1430,"end_word":1431,"sentiment":"positive","sentiment_score":0.5031552314758301},{"text":"And with the current legislation, the earliest you can access super anyway is at the age of 60 if you've retired. Obviously, Yep.","start_word":1432,"end_word":1454,"sentiment":"neutral","sentiment_score":0.24391613900661469},{"text":"you can retire early if you want to.","start_word":1455,"end_word":1462,"sentiment":"positive","sentiment_score":0.3600110113620758},{"text":"You just can't access super until 60. But I also have here that when you do draw an income from super, that about 1,500 was last kind of what your goals were to kind of cover your side of, obviously, bills and expenses and everything like that. Do you still think that's kind of achievable? Yep. Keep all the empty, same 100. A a week. Yeah. Taking Yeah. that Yeah. from Yeah. Yeah. super. Yeah. Yeah. Yeah. I think so. Yep.","start_word":1463,"end_word":1543,"sentiment":"neutral","sentiment_score":0.17840638756752014},{"text":"Yep. Perfect. And that would just be for yourself as well.","start_word":1544,"end_word":1554,"sentiment":"positive","sentiment_score":0.48230448365211487},{"text":"Now when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Moderate to high, maybe. Moderate to high. And which one would you lean more towards if you had to choose? Maybe high at my age. Maybe. Yep. There's one You above still that, got isn't there? yes. So you have very high or just high? Yeah. No. Not at the high. Yep.","start_word":1555,"end_word":1645,"sentiment":"neutral","sentiment_score":-0.025246089324355125},{"text":"Perfect.","start_word":1646,"end_word":1646,"sentiment":"positive","sentiment_score":0.4502963423728943},{"text":"You still do, you know, have plenty of time until you can access that, so that makes sense. And when it comes to fluctuations, so if you, for example, placed an investment, so you invested in something, and then after six months, it fell by 20% due to this general market trend. Would you think that if you had the option to do so, or now is potentially a good time to put a little bit more in while the prices are down, or would you be kind of a bit more neutral despite and see what happens, or would you want to shift to a more secure asset? But that means you are then selling when the prices have dropped. No. I'd probably just run it out, like, three. Yeah.","start_word":1647,"end_word":1777,"sentiment":"neutral","sentiment_score":0.03345289433957966},{"text":"Perfect.","start_word":1778,"end_word":1778,"sentiment":"positive","sentiment_score":0.5617156028747559},{"text":"And when it comes to fluctuations, so any investments like super or anything that's gone down, if you did ever notice that at any point in time, would you think you would feel optimistic about potential opportunities? Again, just kind of a bit neutral, not making further investments, or it would make you quite concerned or anxious? Nah. Probably just neutral. Just neutral.","start_word":1779,"end_word":1841,"sentiment":"neutral","sentiment_score":0.15686100721359253},{"text":"Perfect.","start_word":1842,"end_word":1842,"sentiment":"positive","sentiment_score":0.4303579330444336},{"text":"And last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest personally? Probably not. Probably not. You would kind of for, I guess, an investment property or, like, Yeah. the Maybe land. potentially. Yep. Yep.","start_word":1843,"end_word":1887,"sentiment":"neutral","sentiment_score":0.016144385561347008},{"text":"Perfect.","start_word":1888,"end_word":1888,"sentiment":"positive","sentiment_score":0.3428860306739807},{"text":"Now that tells me here that you have come out just kind of borderline between a growth and a high growth investor. And at Yep. the moment, we have you invested in a high growth portfolio. Do you remember Yep. what it means to be a high growth investor at all? What did you tell you? Sorry. Do you remember kind of what it means to be invested in a high growth portfolio? Like, what it means or how it Oh, I mean, I'm willing to take a little bit of risk, but not stupid risk. yeah. Exactly. So it basically tells me that you are looking at, you know, getting as much growth as you can out of your super. You Yep. do still have plenty of time on your retirement, but also that you do understand that there will be some, you know, some ups and downs and market fluctuations short term in order Yes. to try to achieve that growth. And when we talk about as well how the money is invested, typically, we see about, you know, 90% invested in what we would call your growth Yep. assets. And that Yep. is a a combination of Australian shares, international shares, and properties as well. And that is what's Yep.","start_word":1889,"end_word":2101,"sentiment":"neutral","sentiment_score":0.07510463347737219},{"text":"going to kind of maximize that growth for you.","start_word":2102,"end_word":2110,"sentiment":"positive","sentiment_score":0.5573609471321106},{"text":"And then you do have about 10% in defensive, like cash, gold, and fixed interest. When it comes to a time frame, so making sure you have enough time in the market for those fluctuations, Ideally, typically, we want to see about eight years to retirement in a high growth portfolio.","start_word":2111,"end_word":2161,"sentiment":"neutral","sentiment_score":0.1906001418828964},{"text":"Yep. So from a time frame point of view, it is very suitable for you if that is still something you are comfortable with. Yeah. I'm happy with how my Supa's tracked for the last twelve months. Yeah. Perfect. I think Now I've got I think I've got a lot more than people my age would have in Supa. So yes. And it's it's doing really well considering, you know, the market conditions and everything we've that's happened in the last twelve months, yeah.","start_word":2162,"end_word":2245,"sentiment":"positive","sentiment_score":0.4565979838371277},{"text":"Yep. Yep.","start_word":2246,"end_word":2247,"sentiment":"neutral","sentiment_score":0.2707003057003021},{"text":"which which is good.","start_word":2248,"end_word":2251,"sentiment":"positive","sentiment_score":0.3810968101024628},{"text":"Now, obviously, at the moment, so what I have done is I have sent you an email with some documents. So, Yep. obviously, later when you are not working and when you have a moment, just have a look through them for me. If you have any questions, just let me know. Yep. Yep. No worries. Yep. Now what those are, I'll just kind of explain to you. So when you do have a look at it, you will have a super and insurance summary. So that one just kind of breaks down your current situation. Yep. Now Yep. you do have your superannuation with hub twenty four, and you do have about 350,000 at $211 in there. Yep. Now you also have some insurances. So Yep. you have with Tal, you have a life insurance policy that Yep. will pay out 350,892 if something were to happen. Yep. And then also that income protection paying you a monthly amount of 3,696. You have a full week waiting period to be in your benefit period, and that is costing you out of pocket about 1,400 and Yep. 30.","start_word":2252,"end_word":2439,"sentiment":"neutral","sentiment_score":0.09060657024383544},{"text":"You're still happy with that level of cover for your life and income protection?","start_word":2440,"end_word":2453,"sentiment":"positive","sentiment_score":0.4593052268028259},{"text":"Yeah. I think so. Yep. Yep.","start_word":2454,"end_word":2459,"sentiment":"neutral","sentiment_score":0.24139735102653503},{"text":"Perfect.","start_word":2460,"end_word":2460,"sentiment":"positive","sentiment_score":0.5724122524261475},{"text":"And then you also have a total permanent disability insurance with Zurich. That is paid from within hub twenty four. Yep.","start_word":2461,"end_word":2481,"sentiment":"neutral","sentiment_score":0.22742760181427},{"text":"That will pay out about 275,625, and it's pretty cheap.","start_word":2482,"end_word":2491,"sentiment":"positive","sentiment_score":0.4203961193561554},{"text":"It's only costing about $320 per year. Yep.","start_word":2492,"end_word":2499,"sentiment":"neutral","sentiment_score":0.25902777910232544},{"text":"Still happy with that TPD cover as well?","start_word":2500,"end_word":2507,"sentiment":"positive","sentiment_score":0.3752985000610352},{"text":"Yeah. In style. Yep. Yeah.","start_word":2508,"end_word":2512,"sentiment":"neutral","sentiment_score":0.14881403744220734},{"text":"Perfect.","start_word":2513,"end_word":2513,"sentiment":"positive","sentiment_score":0.4155801832675934},{"text":"Now what you will also have is a performance report. That Yep. one shows you all your investments and what has happened to your superannuation in the last twelve months. So Yep. when you do have a look at it, like we said, obviously, the last twelve months have seen a bit of fluctuations in the market with everything that's happened, but your portfolio has still done really well. So in the last twelve months after fees, your portfolio has still gone up by 10.28%, which we Yep. really Yep. have. Now there is one investment in the portfolio there, Matthew, that I Yeah. would like to look at potentially changing for you if you are happy with that, and that would be your Benelon Australian equity.","start_word":2514,"end_word":2640,"sentiment":"neutral","sentiment_score":0.08657702803611755},{"text":"It is kind of underperforming a little bit at the moment.","start_word":2641,"end_word":2651,"sentiment":"negative","sentiment_score":-0.3403606116771698},{"text":"Yep. So if you are happy, I would like to go and do a bit of research on the investments and see if there's another potential option that is going to do a little bit better for you moving forward. If you if that is something you're happy for me to do? Yeah. Yeah. Yep. Yeah. I Great. think so.","start_word":2652,"end_word":2711,"sentiment":"neutral","sentiment_score":0.07448167353868484},{"text":"Perfect.","start_word":2712,"end_word":2712,"sentiment":"positive","sentiment_score":0.3504002094268799},{"text":"If you guys I'm sort of guy. You know what you guys did is the best because we were done. Yeah. Yeah. And, obviously, Right. the more money you guys make for me, the more money you guys earn. So Exactly. It is that kind of mutual beneficial relationship. So with the investments, it will take me about a week to put everything together because I yep. obviously wanna make sure we look at, you know, fees and if there's any capital gain tax and performance and kind of assess everything for you. So it Yep. will take me about a week. I will then go through the recommendation with you, and then Yep.","start_word":2713,"end_word":2826,"sentiment":"neutral","sentiment_score":0.18235964131982704},{"text":"you can basically let me know if you are happy with it.","start_word":2827,"end_word":2838,"sentiment":"positive","sentiment_score":0.49845778942108154},{"text":"Yep. Okay. So when is do you have any availability next week for me to go through that Oh, with you? yeah. Whenever I'm self employed so I It's can sort pretty, it. quite flexible. Yeah. Do I'll you just order. do you normally perform mornings or afternoons, or it doesn't really matter? Probably lunchtime, this is good. About lunchtime? Okay. Yeah.","start_word":2839,"end_word":2900,"sentiment":"neutral","sentiment_score":0.1255957931280136},{"text":"Perfect.","start_word":2901,"end_word":2901,"sentiment":"positive","sentiment_score":0.4344200789928436},{"text":"Sorta. Like, 12:00 is usually pretty good. Usually, Yep. but Let we're just me doing concrete today. well, I could do next Tuesday, July 21 at 12PM, if that works for you. Yeah. That'll be fine.","start_word":2902,"end_word":2937,"sentiment":"neutral","sentiment_score":0.17442378401756287},{"text":"That would be perfect?","start_word":2938,"end_word":2941,"sentiment":"positive","sentiment_score":0.5138781070709229},{"text":"Okay. Now if anything does change and you can't Yep. make it, just let me know, and I can always get it shuffled around for you. Yep. No worries. Sorry. Yeah. Perfect. Otherwise, that is booked in on Tuesday, the twenty first of Yep. July at 12PM. So who are you thinking about going with? Or I would have to do because I wanna make sure it's all tailored to you. So I'd wanna Yeah. make sure it's it's Yep. quite individualized. So I wanna make sure I do all the research before, and Yep. then I'll kind of go through that with you next week No worries. and kind of show you how that's going to potentially change and what it would look like. No Yeah. worries. Now there is just a couple of more documents in that document there for you, Matthew. You will have a Oakview services guide next, Yep. which basically you would have seen a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview if you wanna have a bit of a read over it. You will also see myself there on page 10 if you do wanna put a face to the voice. Yep. No worries. Yep. Yep. You'll also have just a copy of your insurances again.","start_word":2942,"end_word":3171,"sentiment":"neutral","sentiment_score":0.1236443377059439},{"text":"Just basically lets you know that's all paid and up to date. That's all Yep. there for you.","start_word":3172,"end_word":3189,"sentiment":"positive","sentiment_score":0.3955463767051697},{"text":"And then there are two documents that it will ask you to add a signature if you're happy with that. Yep.","start_word":3190,"end_word":3210,"sentiment":"neutral","sentiment_score":0.22053369879722595},{"text":"Now one of them is your ongoing service agreement. That is just basically to say that you are happy to stay on as a client.","start_word":3211,"end_word":3235,"sentiment":"positive","sentiment_score":0.4804878532886505},{"text":"Now there is no changes whatsoever in regards to that fee structure. And because Yep. there was a change decline as well, you guys are on that reduced fee of 1.1 from Super. So that's not increasing or anything. It stays exactly the same at 1.1, and it is not a lock in contract. So at any point in time, you are not happy, it is not a lock in contract.","start_word":3236,"end_word":3306,"sentiment":"neutral","sentiment_score":0.13279061019420624},{"text":"But, otherwise, by signing those documents, it just allows us to start with your account and manage everything for you in the meantime.","start_word":3307,"end_word":3329,"sentiment":"positive","sentiment_score":0.3503461182117462},{"text":"Yep. No worries. Yeah. Do you have any questions in regards to any of those documents? Anything I went through there with you, Matthew, which is pretty straightforward? No. It's all good.","start_word":3330,"end_word":3361,"sentiment":"neutral","sentiment_score":0.139566570520401},{"text":"Thank you.","start_word":3362,"end_word":3363,"sentiment":"positive","sentiment_score":0.4457288384437561},{"text":"I'll wait Yeah. to hear from you. I'll wait for the Yeah. thing. Yeah.","start_word":3364,"end_word":3377,"sentiment":"neutral","sentiment_score":0.0699811801314354},{"text":"Perfect.","start_word":3378,"end_word":3378,"sentiment":"positive","sentiment_score":0.41262510418891907},{"text":"So when you have a moment, that should be in your inbox now. Have a look through your spam folder as well because we have Yep. recently changed software. So it might end up in your spam folder. So, Yep. obviously, when you finish work or when you have a moment, just jump on, have a quick review of them for me. If you have any questions, let me know. Otherwise, Yep. I will just need you to sign that document.","start_word":3379,"end_word":3459,"sentiment":"neutral","sentiment_score":0.10307745635509492},{"text":"If you are happy with that, it will automatically send it back to me, and then I will see it come through, which is great.","start_word":3460,"end_word":3484,"sentiment":"positive","sentiment_score":0.4556438624858856},{"text":"Yep. Otherwise, I will give you a call next Tuesday, the twenty first at 12PM and go through that research on the investment. Do I have to sign that before you got you ring me back next week? Or Yes, please. If you could, that would be good. no worries. Righto. Yeah. Do you have any questions for me before I let you go and get back to work? No. That's it. What was your name No? again? Okay. Sorry. Veronica. Veronica. No worries. Yeah.","start_word":3485,"end_word":3569,"sentiment":"neutral","sentiment_score":0.06471642363159096},{"text":"Perfect.","start_word":3570,"end_word":3570,"sentiment":"positive","sentiment_score":0.5943511128425598},{"text":"If you do think of anything, though, don't hesitate to give me a call or send me an email. No worries.","start_word":3571,"end_word":3591,"sentiment":"neutral","sentiment_score":0.17405809462070465},{"text":"Thank you. Okay. No problem. You enjoy the rest of your afternoon. I'll talk to you next Tuesday.","start_word":3592,"end_word":3609,"sentiment":"positive","sentiment_score":0.5518317818641663},{"text":"Yeah. Talk to you next Tuesday.","start_word":3610,"end_word":3615,"sentiment":"neutral","sentiment_score":0.22761112451553345},{"text":"Thank Thanks, Matthew. Bye.","start_word":3616,"end_word":3619,"sentiment":"positive","sentiment_score":0.6100899577140808},{"text":"you. Goodbye.","start_word":3620,"end_word":3621,"sentiment":"neutral","sentiment_score":0.2833634614944458}],"average":{"sentiment":"neutral","sentiment_score":0.1176516564421234}}}}