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You still have some time to go beyond review now? Yeah. Sounds good. Now, Peter, 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. Yeah. Perfect. And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And how's your day been? Been busy? Yeah. Yeah. Yeah. Oh, that's yeah. Yeah. Same. We're we're on the Gold Coast, and it's when the sun's out, it's lovely. But in the morning, it's quite chilly. Yeah. I think we had eleven, which is before the sun goes up, which is a bit cold. Now, Peter, before I kind of jump into the under review, I do typically like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. Yep. Mhmm. Yeah. Let me triple check for you. Yeah. No. Yeah. Now let me have a quick look on your statement. Yeah. No. That should not be there it it is definitely through super. Yes. And they ask you to pay for it yourself? Would you be able just so I can look into it for you, would you be able to forward me the email or take a photo if they posted it to you? If you could, that will be good, and I'll just investigate a bit further because that's that's strange. Because it's definitely through service. I'm glad you didn't pay for it. So, yeah, if you could take a photo of that, and then you can just email it yeah. You can email it to me directly if you would like. Now my email address, if you have a pen and paper close by yep. So it's just veronicawithak@oakviewfinancial, just one word, dot com dot a u. Yeah. Perfect. That that'd be good. Yeah. Yeah. Please send that through. Yeah. No. That's all good. It's going around here too. What I will do first is just to go through just a bit of an updated fact line just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions here, Peter. Now when it comes to your personal information, I have you down here as, that you're in a de facto relationship and no financial dependence to keep you a bit older. Yep. Perfect. And yep. And I do have here next up Ken, Sarah Jane. So if for some reason we can't get in touch with you to give her a call and see what's happening? Yep. Yeah. Yeah. Now employment wise, has any of that changed, or you're still not paying? Now you're still paying yourself about 80,000 a year, or has that changed? Yeah. Like a an income. Do you mhmm. Mhmm. Okay. Okay. Yep. Alright. Perfect. Now contributions as well into super, obviously, being self employed, it's obviously up to you. Now I can see here that on the June 23, I believe, you made a voluntary contribution into super about 18,000, I believe. Yep. Yeah. Yep. Yep. Okay. Perfect. No. That's good. And it does obviously, the benefit of doing regular ones is obviously you have the money invested for longer. It compounds. But then, also, you are kind of taking advantage of the ups and downs in the market because things do fluctuate all the time. So doing it kind of small increments means that you do sometimes invest when it's high, sometimes when it's low, and it kind of averages things out in a nice way as well. Obviously, the downside is that if it's money you need, if it's at the end of the financial year, then you may have a bit more of an idea of how much you could put in. But, obviously, you can adjust that however you want based on, obviously, your situation. Yep. Yep. Yep. Perfect. And with the contribution, did you want us to do that notice of intent for you? Did you get no. It is completely up to you. It is because, obviously, you have made it as after tax contributions. Obviously, it's money you've already paid tax on. Now contributions typically going into super or anything going into super is taxed at a concessional rate of 15%, which is obviously lower than your your marginal tax rate, which would obviously, if it's around the the 80 or so, would be that 30%. So, obviously, you're paying more tax on it. So by doing the notice of intent, you can basically convert the contribution from a after tax to a pretax contribution, and that means you get a little bit of that kind of tax back. Yes. The the reason sometimes why people don't want to do it is more so how the benefit is paid out after. So because there are different tax consequences depending on who receives the money, that would then be because at the moment, it's it's tax free because you have made it after tax. If you change it to pretax, it could be tax consequences depending on who receives it. Now for your superannuation, I do have Sarah Jane nominated. What that means, obviously, if she is your spouse, it wouldn't matter because it's tax free to her regardless. So whether it's pretax or after tax, it's completely tax free to her. The the the kind of caveat would be if the suitor were to go through your adult children. That's when they would then pay they could pay up to that 30% tax on the the tax elements, if that makes sense. So would you like us to do that for you? Yeah. Most most of I would say 99% of the people do because putting it in its way to get, yeah, you get a little bit of that kind of claim back. So what I will let the team know is that you wanna obviously claim that notice 07/10 on the 18000. Now once we have lodged that with hub twenty four, we will get a little confirmation letter, and you can then bring that with you to do you do your accountant a tax return yourself, or do you go to someone? Okay. Normally, they they wouldn't. They would like, the accountant would say, hey. Do you have the letter? And then I will put it through. Because do doing the action notice, sometimes you have to do directly with the super funds. So you would have to do that with the half 24. And, obviously, if he he, unless you do it on like, he does it on your account while you were there. Okay. I'll see if I can see. Yeah. When when are you seeing him, or have you seen him already? Yes. Yeah. Maybe just because, yeah, you can only do it at once. You can make a variation if there was any issues, but you normally, you would just do it once. So often, an accountant would just tell their clients, just get the letter from your super fund, and then I will do it. So then we would assist with doing the claim through hub twenty four. We will give you the letter, and you would just bring that letter to your accountant. But if he has direct access to everything, he could have done it. Let me just have a quick look if I can see it. So maybe if you would like, maybe email him and say, hey. Are you planning on doing it? Or if not, I can let, like, you know, and or we can do it for you. Then he would obviously do the lodgment to obviously get the tax back so we can change it in hub twenty four for you. Yep. Does that make sense? Yep. Yep. Okay. Well, I'll just leave it until I've heard from you just to make sure. And if I haven't heard anything in maybe, like, a week or so, I'll just send you a little follow-up just just to check. Okay. Yeah. No. Because if we've already done that, it will just show that you don't have any extra available. So we can just go ahead yeah. Okay. Yep. No. That's okay. Once it's been lodged with hub twenty four, though, we will still email you the certificate, and then you can just forward that on to your account as well because they will need that for the actual tax return. Okay. Perfect. Now I do wanna just mention that with the doing it that that way, there is a contribution cap space we have to be mindful of each year. You are well below below it, so there's no risk for it. But if, let's say, this financial year, you go I wanna put 50,000 and you wanna do the the notice of intent, just let me know. Just let me run the numbers because each so this financial year, it's gone up. The cap space is 32,500. So if you go over that, there is different strategies where you can it gets a bit technical, but you can use unused spaces from previous years to kind of catch up. So if if it was that you were thinking of doing more than 32,000, just let me know, and I'll just wanna triple check for you. Yep. Okay. Perfect. No. That's okay. Now asset wise, I do have here your property was last night at about 700,000. Yep. Perfect. And about $3.10 was owing on the mortgage. Still sound about about 310. Does that sound about right? That's perfect. 2 95. Cool. Now I also have here a motor vehicle right at about 12,000. Yep. A trailer of about 7,000, and then tools for about 20. Yep. Any other new assets that's changed in the last twelve months? Nope. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case as well? Yep. And no. That's good. Now have you had any changes to your health, any significant health issues or injuries or anything? No. Great. And when it comes to estate planning, do you guys have a will or power of attorney or anything in place? No? Yeah. Yeah. Most people are the same. Yeah. No. That's all that's all good. It's on the to do list. Now, otherwise, usually, a good kind of checking point during annual review is to see what your goals were last time we spoke to you, if it has changed how you are tracking, and if you have any new financial goals. So last time when you spoke to my colleague, Dana, you're obviously, aside from super and insurances, your kind of other focus was just to kind of continue to pay down the mortgage as much as possible. Is that still kind of the main priority for you? Yep. Yep. Perfect. And any anything else that you you guys are working towards? So that's kind of the main priority. Yep. Alright. Perfect. Now when it comes to superannuation and how your money is actually invested, I do wanna quickly go through just a bit of an updated risk profile questionnaire with you, Peter. It is pretty straightforward. It is just multiple choice. So there's no right or wrong answer, and it's just whatever you feel is the most appropriate for you. Sometimes it can be a little bit tricky because it's all kind of hypothetical situation. So if it doesn't make sense, just let me know. Yep. Now have you ever bought direct shares on the stock market yourself? Nope. And when it comes to time frames of when you are looking at accessing super, retiring, I have here about 65. Is that still kind of the plan, do you think? Yeah. Yeah. No worries. It is also just to kind of make sure you have enough time in the market for the different fluctuations. But if you're not planning on retiring in the next couple of years, then then that's all good. Yep. 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 a very high risk, high, moderate, or a small amount of risk for your superannuation? Moderate? Yep. Yep. So it's kind of wanting some growth, but obviously not high growth or aggressive. Yep. Now if you place an investment and then you found out that it it fell due to general trends in the market. So you placed an investment and it dropped. Would you, if you had the option to do so, I think that, well, now is potentially a good time to put a little bit more in while the prices are down. Would you kind of be a bit neutral, just kind of wait and see what happens, or would you want to sell? Yep. Yeah. No. Perfect. And next is when it comes to fluctuations. So, obviously, there's going to be times in the market where things do fluctuate. Some years are gonna be obviously better than others depending on what is going on in in the world and the market. Now if there's ever any point in time where any of your investments, so super, any other investments are are down temporarily, how would that make you feel? Would you say optimistic about potential future opportunities to invest in? A bit kind of neutral, not making any further investments? Concerned or highly anxious? Yep. Yep. Perfect. Exactly. Yep. Now last no. That's good. Now the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. Would you consider taking out a loan to buy an investment property? Nope. Perfect. Just trying to get debt free. Yeah. Perfect. Yeah. Now, Peter, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in. Now yeah. So what I will do is when I have actually sent you a document with some documents to go through. Sorry. I have sent you an email with some documents to go through. Do you have access to your emails at the moment? Okay. Yes. I have. Just as, yeah, just as I called. Yes. Yes. Okay. Yeah. Okay. Perfect. Now I can I can let you send that first if you want if you wanna focus on that? Alright. I'll keep refreshing. Sometimes it takes a a few minutes, so I'll keep a lookout for that to come through. Yep. Yeah. Yeah. No. That'll be fine. Now with the email as well, have a look at your spam because it could end up there because we have just changed software. So if it's the first first time through the new software, it may recognize it as a spam email, but it should say directly from me. Nothing yet? Oh. Oh. Oh, well, that's good. Now it will say click here to sign sign documents or signature request, but it will allow you so when you click on it, it's not gonna ask you to sign right away. It will allow you to open up and view everything first just to make sure you're happy before it prompts you to sign. And then it yep. So it should open. There should be a couple of documents. The first one you should see is the one where it says super and insurance summary. Can you see that one? Yes. Okay. Perfect. So this one here gives you a bit of a breakdown of your current situation. So you can see here that you have your super with hub twenty four, and you do have about $66,733 in there. Now you can also see that underneath your insurances. So you can actually see here as well that the ascender is in front of you. But I will check those emails when they come through as well just to see what that's about because that's strange because you're not paying for it out of pocket, and there's obviously enough money in Super, so that shouldn't be a decline. So yeah. Okay. Well, I will yes. I will send you an email once I have spoken to them, though, just so you confirmation. They have they're closed in about five minutes, but I will give them a call tomorrow and follow-up just so you have confirmation on that and also why they're sending that to you because that seems strange. No worries. Now you have life and CPD. So you have about 262,500 if something were to happen. And then you also have an income and that will pay a monthly amount of 4,806 per month. And then you also have a thirty day waiting period, a five year benefit period. And because it's paid from within super, you do get that 15% tax rebate. So the total premium is 6,275. Now are you happy with that level of cover for your life, TPD, and income protection, or do you wanna make any changes, or do you think that's aligning? Mhmm. Mhmm. Yes. Yes. It will change come claim time. So what you are covered for income protection is a little bit tricky. So how it works is at the time of claim, they will cover you for up to 70% of your income. But what they also won't exceed, yeah, is what you are currently covered for. So if, for example, if I use the so, yeah, it's a bit sneaky that way that let me just see here. So if your income is the 80,000, for example, that would mean that on a monthly basis, it's basically spot on. It's 4,666 per month if if we're doing the 70%. Now if, let's say, you have to go on claim in twelve months, and at the time, your income is a 120,000, they are not gonna pay you 70% of a 120,000. They are only gonna pay you up to what you are insured for, which is 4,806. Yep. Correct. Now the flip side, though, is let's say you have to go and claim on twelve months, and at the time, your income is 30,000. They are only going to pay you 70% of your income, which will be 70% of 30 even though you are paying for more. Does that make sense? Yes. Yes. So if your income changes drastically, just let me know because we can always look to make changes. Because it's also at the time of claim. If, for example, you have one year where you earn a little bit less, but then you think the next year is gonna pick up and be back up, we would also be hesitant of reducing it. Because by reducing it, it's super easy. It's just a quick form. Insurers are happy. They take on less risk. If you then let's say we reduce it to 3,000 a month, And then let's say six months later, things are going great. You're earning more money and you go, I wanna offer to 6,000 a month. The insurance will be like, okay. Well, we need to reassess your risk, basically, and go through that whole insurance application again and seeing what they offer. So it's very easy to decrease. It's harder to increase. Yeah. Does that make sense? Yes. Perfect. But good question, though, because it yes. Because it's pretty spot on of what you are kind of earning, so so that's good. Yeah. Now you also have some other insurances with OnePath that you pay for out of pocket. Now you have life, total permanent disability, and trauma insurance, and that's all 213,431 for each of them. Total premium is 566 per month. You're still happy with that cover as well? Yep. Yep. Great. Perfect. Now if you can press next for me, it should be a hub twenty four performance report. Can you see that one? Uh-huh. Yep. Now this one here sometimes can look a little bit messy because it's it basically breaks down all your individual investments, how they have performed, and what has happened in the last twelve months. Now it shows everything in net of fees as well when it comes to that internal rate of return. So the percentage on the investment shows everything after fees after all fees. So, obviously, with the the market, I'm sure you would have heard or seen on the news, it's been a bit of a turbulent last twelve months. Obviously, everything in The US did see Trump and tariffs and everything. You'd see a bit of fluctuations in the market. And, obviously, more recently with the war as well, we have seen a bit of bit of turbulent in the market. Now in saying that, though, your portfolio is still doing pretty good despite the the fluctuation in turbulence we have had in the last twelve months. So it's still gone up by about 5.17% after fees. Now there is one investment here that I would like to look at changing for you. So if you have a look at the second column to the right where it says internal rate of return. Can you see that? Yeah. Sorry. Yep. Sorry. Exactly. So, basically, the one that has the bracket next to it, which is just two of them. Yep. And then all the way says 21.02. Yep. These two are down at the moment. All the others are positive. Now sometimes that happens with fluctuations, but also because way that your portfolio is constructed is that we want diversification. So we wanna make sure that we're not betting everything on one market or one sector or one area. So there will be times where some investments are doing really good, others not as good, and they kind of even each other out, if that makes sense. Yep. Exactly. At the same time, though, if we because we do a lot of research on the investments all the time and making sure that they're always going to be the best for you. And the investment committee do a lot of research. And if we foresee one investment underperforming a little bit and we don't foresee it coming back around again or as much or being the best option for you moving forward if things are always evolving. We wanna be proactive and look to make a change if need be. So, yeah, so with the top one, the one that says twenty one point zero two, this is the one that I would like to look at changing for you. Now this one here, it is a managed fund, and it's called Benelung Australian Equity. How that one works is that they are kind of actively trying to buy and sell different investments in order to try to outperform the market. So they have been very successful in doing so, but, obviously, you're gonna have potentially a little bit more fluctuations because they're obviously doing that a bit more quickly, so a bit more of that kind of active management through the investments. They can be a little bit more expensive, so you wanna make sure that the performance outweighs the fees as well. Because, otherwise, what's the point paying a little bit more for the active management if it's not outperforming? So exactly. So exactly. So right now, it's it's kind of underperforming. And like I said, the investment committee have done a lot of research on it and don't think it's going to be the best option moving forward and that there are better options. So what we have, yeah, what we have found is an alternative, which is called BetaShares Australia two hundred. Now how this one is a bit different because if we are swapping an Australian investment, we also wanna make sure that we add another Australian investment to keep diversification because we don't want everything in The US or everything in emerging markets. We wanna keep the diversification and still give you some exposure to the Australian market. Just another option. So yeah. Exactly. So with the Betashares a 200, the way how that one is a little bit different to the Bennelong is that it invests in the 200 largest companies listed in Australia. So, obviously, very diversified because with that one single line, you'll basically have 200 companies. Now you will have all the big banks and BHP and Woolworths. So, again, very well established companies in Australia. What also happens is that when one company grow and get bigger, it gets added to the 200. And if something gets smaller, it kind of falls out. So you're not going to have that kind of same yeah. Correct. 100 percent. Exactly. Exactly. So because of that, that's obviously a little bit different type of investing. It's it's kind of similar to a lot of the other ones. It is a bit cheaper because you don't have to have the whole same of buying and selling quickly and face with that. So it kind of is a little bit smoother. So it's a little bit cheaper, but it also has performed better than the vendor long investment for you. Yep. Beautiful. So what I will do for you, just so that you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you an email. It is called a record of advice. Basically, what it is, it is showing you the transaction change. So it is changing the for the a Betashares a 200, and that's it. Just so that you have it in writing as well, that that's what we have done for you. Yeah. Perfect. No problem at all, Peter. Now if you can press next for me, can you yes. So this one here kind of refers back to our risk profiles, but it also gives us a good kind of overview of the market and what has happened in the world. Have you seen something like this before? Yeah. Okay. Perfect. So, yeah, it basically shows you all the market trends from 1995 through to 2025. The new one should come out soon because they do publish it at the end of each financial year, so the new one should come out soon. And it also breaks down the different asset classes. Now when we talk about a growth profile, which is how you are currently invested, we see about 80% invested in what we call your growth assets. Now these are a combination of your top four listed here. So The US shares, which is, like, the light green line, your Australian shares, which is, like, your dark green line, international shares, which is your yellow, and then the the property, which is, like, your maroon color. So it's a combination of these. So you can see here that these are the ones that grow the most, which is what we want when you still have plenty of time until retirement. Yeah. But at the same time, we wanna have some of that defensive element like you said. You don't want high risk. So it's also about 20 in those bottom three. So that is, like, your defensive investment. So you can see that they don't grow as much. They're a bit more stable. They still grow, but a little bit more stable. So it's kind of balancing out. Exactly. Now when we are also talking about a time frame, so making sure you have enough time for these kind of ups and downs, In a growth profile, ideally, we want to see at least six years until retirement. And if you are planning on retiring at 65 or later, you still have more than that time until you retire. So from a time frame, it is suitable for you where you are currently at if you are still happy happy with that. Yeah. Okay. Perfect. Now if you press next for me, which one do you have there? Is that one path or a sender? Yes. Is that for a sender or for one path? Is it same? A sender. Yeah. So you will have it just basically breaks down your insurances again in a bit more detail. So let me see. Even from here, it looks like it's all been paid. So yeah. It's the yeah. Which because here here it even says through. So this is what's effective. When did you get the email? Sorry. Do you remember when you got the first reminder? So they must have obviously realized it. I'll still triple check that for you. But they must have realized it because if you look here, it says this letter confirms that your policy is current and active effective the 07/07/2020 '6. So they obviously issued this after. Now I still haven't got your email yet, but maybe it's my Internet or maybe does it say sent on your end? May maybe we'll do it after. Maybe when we finish, we'll go back just just to make it easier. Yeah. But here, it says this is effective. It's all paid, and it shows true that it's paid up until the 06/18/2027. So the signature is still active bill paid full. So a bit strange how you got that one. It could have been just an admin error on their end that they thought you were paying it, but I'll still follow-up and send you an email just to be safe. But at least here, you got proof that it's paid and it's enforced. Exactly. Now if you press next, you will have the same one for your one part policy. Again, just breaking down the insurances and shows you again that all paid and up to date. So that one the next one should come out soon for you about the July 18. That one is just a monthly. Now if you wanna press next for me, what can you see now? Yep. Yep. So you probably have seen this before. It is one of those compliance documents. It does give you all the important information in regards to us here at Oakview. I'll let you have a read over in your own time because it's 22 pages, so I don't wanna keep you here all night. But it does give you all the important information. Now we've had a bit of a change to marketing, a bit of an extension to the team, which is great, but none of the important information has changed from the copy that you would have got last year. If you, while you are in here, want to scroll down, though, to page 10, you will actually see a photo of myself there. And sometimes it is nice to put a face to the voice when we're doing things over the phone. Yeah. And I think I'm next to so I'm next to Dana, which is the the person you spoke to last time, I believe. Yeah. Perfect. Yeah. Now if you press next for me, is that the one where it says hub twin yes. So this one here, it will ask you to add a little signature and date if you're happy to do so. Now what it is, it is just a compliance forms to say that we are keeping your tax fund number secure and safe on file. Yep. Yes. If you if you are happy to do so, then, yes, that would be good. But if you prefer to do it later, that's also okay. And then you should. Yep. Yep. Now if you press next, does it say consent to ongoing fee arrangement? Yes. Yes. Yes. Yes. Yes. Yes. Sometimes it does it automatically. It depends on, like, phone. Yeah. No. That's okay. Yep. So this is the other one. This is the last one that it will also ask you to sign if you're happy to do so. Now what this one here is, it is a a ongoing service agreement. So, basically, what it says is that you are happy to stay on as a client. Now the fee structure, it is not changing. It's not increasing. It stays exactly the same. Because both you and Sarah Jane are clients, you guys are on that reduced couple fee, which is lovely. So that's 1.1 from super. So it is not increasing or changing. It is exactly the same. Now it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. Signing this basically allows us to keep managing your account, your investments, and everything until next under review where you have to sign another one. So every twelve months, you have to sign it in order for us to keep managing everything to make sure you are happy. But it is not a lock in contract, and the fee is deducted on a monthly basis. So it's not like you are committing to a full year either. Yep. Perfect. Now that was the last document. And yep. Perfect. I can so that one came through right away. If yeah. If you could go back to the other one. Yeah. Can you go into your sent one for me and see if it bounced back or whether it says it was sent? Yeah. This one came through fast. Sorry. Internet must be good. You need my email address again? Yeah. No. No. That's all good. Is there because how many attachments are there? Like, how many photos? That should be that should be fine. Even if you wanna send it, like you can do it after after we get off the phone. That's okay. Even if you wanted to just send it in two emails, if it's like a a file limit, sometimes there is that you can only send, like, x amount of size even if you wanna do, like, the three photos and then just send me straight away another one, that three, or see how you go. I will keep a lookout for that email. And like I said, I will call Asana tomorrow just to kind of check-in, and I will respond just to make sure that's all good. If you keep having issues where it's not sending to my email, which is strange, You can even just send it through, like, info@oqfinancial.com.au, and then the team will forward that to me if for some reason you keep having issues. Yeah. But I did receive the other one. So And it's it's v e r o n I k a? Maybe that's why. If you wanna start new, that's okay. Yep. Yeah. Maybe do you want me to read read out the aim the full email address just to be sure? Yes. Yes. That's correct. Okay. Okay. Yes. Yes. And then the team will forward that to me. Yes. Perfect. That'll be great. And I will get that, and I'll follow-up with that tomorrow for you. Yes. Yep. Perfect. Now also keep a lookout for that email with that record of advice that we'll send through to you, and we will also that process that notice of intent. So once that's been processed with how many four, I'll the team to send you that confirmation, and then you can just forward that onto your accountant as well. Yep. Perfect. Do you have any other questions for me, otherwise, before I let you go and enjoy your evening? No? Yeah. Yeah. Okay. Yeah. Yeah. Perfect. I'll still follow-up with you, though, just so you have it in writing just to be safe. But we have confirmation that's paid, so that's good. Must have been error. If there's anything else that you need, though, don't hesitate to give me a call or send me an email. Mhmm. No problem at all. You enjoy the rest of your afternoon there, Rita. Thanks. 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afternoon, Peter. This is Veronica from Oakview Financial. How are you? That's good. Yes.\n\nApologies for the mix up of the time difference when the booking was made for the last time. You still have some time to go beyond review now? Yeah. Sounds good. Now, Peter, 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\nYeah. Perfect. And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep.\n\nPerfect. And how's your day been? Been busy? Yeah. Yeah.\n\nYeah. Oh, that's yeah. Yeah. Same. We're we're on the Gold Coast, and it's when the sun's out, it's lovely.\n\nBut in the morning, it's quite chilly. Yeah. I think we had eleven, which is before the sun goes up, which is a bit cold. Now, Peter, before I kind of jump into the under review, I do typically like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. Yep.\n\nMhmm. Yeah. Let me triple check for you. Yeah. No.\n\nYeah. Now let me have a quick look on your statement. Yeah. No. That should not be there it it is definitely through super.\n\nYes. And they ask you to pay for it yourself? Would you be able just so I can look into it for you, would you be able to forward me the email or take a photo if they posted it to you? If you could, that will be good, and I'll just investigate a bit further because that's that's strange. Because it's definitely through service.\n\nI'm glad you didn't pay for it. So, yeah, if you could take a photo of that, and then you can just email it yeah. You can email it to me directly if you would like. Now my email address, if you have a pen and paper close by yep. So it's just veronicawithak@oakviewfinancial, just one word, dot com dot a u.\n\nYeah. Perfect. That that'd be good. Yeah. Yeah.\n\nPlease send that through. Yeah. No. That's all good. It's going around here too.\n\nWhat I will do first is just to go through just a bit of an updated fact line just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions here, Peter. Now when it comes to your personal information, I have you down here as, that you're in a de facto relationship and no financial dependence to keep you a bit older. Yep. Perfect.\n\nAnd yep. And I do have here next up Ken, Sarah Jane. So if for some reason we can't get in touch with you to give her a call and see what's happening? Yep. Yeah.\n\nYeah. Now employment wise, has any of that changed, or you're still not paying? Now you're still paying yourself about 80,000 a year, or has that changed? Yeah. Like a an income.\n\nDo you mhmm. Mhmm. Okay. Okay. Yep.\n\nAlright. Perfect. Now contributions as well into super, obviously, being self employed, it's obviously up to you. Now I can see here that on the June 23, I believe, you made a voluntary contribution into super about 18,000, I believe. Yep.\n\nYeah. Yep. Yep. Okay. Perfect.\n\nNo. That's good. And it does obviously, the benefit of doing regular ones is obviously you have the money invested for longer. It compounds. But then, also, you are kind of taking advantage of the ups and downs in the market because things do fluctuate all the time.\n\nSo doing it kind of small increments means that you do sometimes invest when it's high, sometimes when it's low, and it kind of averages things out in a nice way as well. Obviously, the downside is that if it's money you need, if it's at the end of the financial year, then you may have a bit more of an idea of how much you could put in. But, obviously, you can adjust that however you want based on, obviously, your situation. Yep. Yep.\n\nYep. Perfect. And with the contribution, did you want us to do that notice of intent for you? Did you get no. It is completely up to you.\n\nIt is because, obviously, you have made it as after tax contributions. Obviously, it's money you've already paid tax on. Now contributions typically going into super or anything going into super is taxed at a concessional rate of 15%, which is obviously lower than your your marginal tax rate, which would obviously, if it's around the the 80 or so, would be that 30%. So, obviously, you're paying more tax on it. So by doing the notice of intent, you can basically convert the contribution from a after tax to a pretax contribution, and that means you get a little bit of that kind of tax back.\n\nYes. The the reason sometimes why people don't want to do it is more so how the benefit is paid out after. So because there are different tax consequences depending on who receives the money, that would then be because at the moment, it's it's tax free because you have made it after tax. If you change it to pretax, it could be tax consequences depending on who receives it. Now for your superannuation, I do have Sarah Jane nominated.\n\nWhat that means, obviously, if she is your spouse, it wouldn't matter because it's tax free to her regardless. So whether it's pretax or after tax, it's completely tax free to her. The the the kind of caveat would be if the suitor were to go through your adult children. That's when they would then pay they could pay up to that 30% tax on the the tax elements, if that makes sense. So would you like us to do that for you?\n\nYeah. Most most of I would say 99% of the people do because putting it in its way to get, yeah, you get a little bit of that kind of claim back. So what I will let the team know is that you wanna obviously claim that notice 07/10 on the 18000. Now once we have lodged that with hub twenty four, we will get a little confirmation letter, and you can then bring that with you to do you do your accountant a tax return yourself, or do you go to someone? Okay.\n\nNormally, they they wouldn't. They would like, the accountant would say, hey. Do you have the letter? And then I will put it through. Because do doing the action notice, sometimes you have to do directly with the super funds.\n\nSo you would have to do that with the half 24. And, obviously, if he he, unless you do it on like, he does it on your account while you were there. Okay. I'll see if I can see. Yeah.\n\nWhen when are you seeing him, or have you seen him already? Yes. Yeah. Maybe just because, yeah, you can only do it at once. You can make a variation if there was any issues, but you normally, you would just do it once.\n\nSo often, an accountant would just tell their clients, just get the letter from your super fund, and then I will do it. So then we would assist with doing the claim through hub twenty four. We will give you the letter, and you would just bring that letter to your accountant. But if he has direct access to everything, he could have done it. Let me just have a quick look if I can see it.\n\nSo maybe if you would like, maybe email him and say, hey. Are you planning on doing it? Or if not, I can let, like, you know, and or we can do it for you. Then he would obviously do the lodgment to obviously get the tax back so we can change it in hub twenty four for you. Yep.\n\nDoes that make sense? Yep. Yep. Okay. Well, I'll just leave it until I've heard from you just to make sure.\n\nAnd if I haven't heard anything in maybe, like, a week or so, I'll just send you a little follow-up just just to check. Okay. Yeah. No. Because if we've already done that, it will just show that you don't have any extra available.\n\nSo we can just go ahead yeah. Okay. Yep. No. That's okay.\n\nOnce it's been lodged with hub twenty four, though, we will still email you the certificate, and then you can just forward that on to your account as well because they will need that for the actual tax return. Okay. Perfect. Now I do wanna just mention that with the doing it that that way, there is a contribution cap space we have to be mindful of each year. You are well below below it, so there's no risk for it.\n\nBut if, let's say, this financial year, you go I wanna put 50,000 and you wanna do the the notice of intent, just let me know. Just let me run the numbers because each so this financial year, it's gone up. The cap space is 32,500. So if you go over that, there is different strategies where you can it gets a bit technical, but you can use unused spaces from previous years to kind of catch up. So if if it was that you were thinking of doing more than 32,000, just let me know, and I'll just wanna triple check for you.\n\nYep. Okay. Perfect. No. That's okay.\n\nNow asset wise, I do have here your property was last night at about 700,000. Yep. Perfect. And about $3.10 was owing on the mortgage. Still sound about about 310.\n\nDoes that sound about right? That's perfect. 2 95. Cool. Now I also have here a motor vehicle right at about 12,000.\n\nYep. A trailer of about 7,000, and then tools for about 20. Yep. Any other new assets that's changed in the last twelve months? Nope.\n\nPerfect. And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case as well? Yep. And no.\n\nThat's good. Now have you had any changes to your health, any significant health issues or injuries or anything? No. Great. And when it comes to estate planning, do you guys have a will or power of attorney or anything in place?\n\nNo? Yeah. Yeah. Most people are the same. Yeah.\n\nNo. That's all that's all good. It's on the to do list. Now, otherwise, usually, a good kind of checking point during annual review is to see what your goals were last time we spoke to you, if it has changed how you are tracking, and if you have any new financial goals. So last time when you spoke to my colleague, Dana, you're obviously, aside from super and insurances, your kind of other focus was just to kind of continue to pay down the mortgage as much as possible.\n\nIs that still kind of the main priority for you? Yep. Yep. Perfect. And any anything else that you you guys are working towards?\n\nSo that's kind of the main priority. Yep. Alright. Perfect. Now when it comes to superannuation and how your money is actually invested, I do wanna quickly go through just a bit of an updated risk profile questionnaire with you, Peter.\n\nIt is pretty straightforward. It is just multiple choice. So there's no right or wrong answer, and it's just whatever you feel is the most appropriate for you. Sometimes it can be a little bit tricky because it's all kind of hypothetical situation. So if it doesn't make sense, just let me know.\n\nYep. Now have you ever bought direct shares on the stock market yourself? Nope. And when it comes to time frames of when you are looking at accessing super, retiring, I have here about 65. Is that still kind of the plan, do you think?\n\nYeah. Yeah. No worries. It is also just to kind of make sure you have enough time in the market for the different fluctuations. But if you're not planning on retiring in the next couple of years, then then that's all good.\n\nYep. 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 a very high risk, high, moderate, or a small amount of risk for your superannuation? Moderate? Yep. Yep.\n\nSo it's kind of wanting some growth, but obviously not high growth or aggressive. Yep. Now if you place an investment and then you found out that it it fell due to general trends in the market. So you placed an investment and it dropped. Would you, if you had the option to do so, I think that, well, now is potentially a good time to put a little bit more in while the prices are down.\n\nWould you kind of be a bit neutral, just kind of wait and see what happens, or would you want to sell? Yep. Yeah. No. Perfect.\n\nAnd next is when it comes to fluctuations. So, obviously, there's going to be times in the market where things do fluctuate. Some years are gonna be obviously better than others depending on what is going on in in the world and the market. Now if there's ever any point in time where any of your investments, so super, any other investments are are down temporarily, how would that make you feel? Would you say optimistic about potential future opportunities to invest in?\n\nA bit kind of neutral, not making any further investments? Concerned or highly anxious? Yep. Yep. Perfect.\n\nExactly. Yep. Now last no. That's good. Now the last question here is in regards to borrowing money.\n\nSo would you ever consider taking out a loan to invest in stocks or funds? No. Would you consider taking out a loan to buy an investment property? Nope. Perfect.\n\nJust trying to get debt free. Yeah. Perfect. Yeah. Now, Peter, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in.\n\nNow yeah. So what I will do is when I have actually sent you a document with some documents to go through. Sorry. I have sent you an email with some documents to go through. Do you have access to your emails at the moment?\n\nOkay. Yes. I have. Just as, yeah, just as I called. Yes.\n\nYes. Okay. Yeah. Okay. Perfect.\n\nNow I can I can let you send that first if you want if you wanna focus on that? Alright. I'll keep refreshing. Sometimes it takes a a few minutes, so I'll keep a lookout for that to come through. Yep.\n\nYeah. Yeah. No. That'll be fine. Now with the email as well, have a look at your spam because it could end up there because we have just changed software.\n\nSo if it's the first first time through the new software, it may recognize it as a spam email, but it should say directly from me. Nothing yet? Oh. Oh. Oh, well, that's good.\n\nNow it will say click here to sign sign documents or signature request, but it will allow you so when you click on it, it's not gonna ask you to sign right away. It will allow you to open up and view everything first just to make sure you're happy before it prompts you to sign. And then it yep. So it should open. There should be a couple of documents.\n\nThe first one you should see is the one where it says super and insurance summary. Can you see that one? Yes. Okay. Perfect.\n\nSo this one here gives you a bit of a breakdown of your current situation. So you can see here that you have your super with hub twenty four, and you do have about $66,733 in there. Now you can also see that underneath your insurances. So you can actually see here as well that the ascender is in front of you. But I will check those emails when they come through as well just to see what that's about because that's strange because you're not paying for it out of pocket, and there's obviously enough money in Super, so that shouldn't be a decline.\n\nSo yeah. Okay. Well, I will yes. I will send you an email once I have spoken to them, though, just so you confirmation. They have they're closed in about five minutes, but I will give them a call tomorrow and follow-up just so you have confirmation on that and also why they're sending that to you because that seems strange.\n\nNo worries. Now you have life and CPD. So you have about 262,500 if something were to happen. And then you also have an income and that will pay a monthly amount of 4,806 per month. And then you also have a thirty day waiting period, a five year benefit period.\n\nAnd because it's paid from within super, you do get that 15% tax rebate. So the total premium is 6,275. Now are you happy with that level of cover for your life, TPD, and income protection, or do you wanna make any changes, or do you think that's aligning? Mhmm. Mhmm.\n\nYes. Yes. It will change come claim time. So what you are covered for income protection is a little bit tricky. So how it works is at the time of claim, they will cover you for up to 70% of your income.\n\nBut what they also won't exceed, yeah, is what you are currently covered for. So if, for example, if I use the so, yeah, it's a bit sneaky that way that let me just see here. So if your income is the 80,000, for example, that would mean that on a monthly basis, it's basically spot on. It's 4,666 per month if if we're doing the 70%. Now if, let's say, you have to go on claim in twelve months, and at the time, your income is a 120,000, they are not gonna pay you 70% of a 120,000.\n\nThey are only gonna pay you up to what you are insured for, which is 4,806. Yep. Correct. Now the flip side, though, is let's say you have to go and claim on twelve months, and at the time, your income is 30,000. They are only going to pay you 70% of your income, which will be 70% of 30 even though you are paying for more.\n\nDoes that make sense? Yes. Yes. So if your income changes drastically, just let me know because we can always look to make changes. Because it's also at the time of claim.\n\nIf, for example, you have one year where you earn a little bit less, but then you think the next year is gonna pick up and be back up, we would also be hesitant of reducing it. Because by reducing it, it's super easy. It's just a quick form. Insurers are happy. They take on less risk.\n\nIf you then let's say we reduce it to 3,000 a month, And then let's say six months later, things are going great. You're earning more money and you go, I wanna offer to 6,000 a month. The insurance will be like, okay. Well, we need to reassess your risk, basically, and go through that whole insurance application again and seeing what they offer. So it's very easy to decrease.\n\nIt's harder to increase. Yeah. Does that make sense? Yes. Perfect.\n\nBut good question, though, because it yes. Because it's pretty spot on of what you are kind of earning, so so that's good. Yeah. Now you also have some other insurances with OnePath that you pay for out of pocket. Now you have life, total permanent disability, and trauma insurance, and that's all 213,431 for each of them.\n\nTotal premium is 566 per month. You're still happy with that cover as well? Yep. Yep. Great.\n\nPerfect. Now if you can press next for me, it should be a hub twenty four performance report. Can you see that one? Uh-huh. Yep.\n\nNow this one here sometimes can look a little bit messy because it's it basically breaks down all your individual investments, how they have performed, and what has happened in the last twelve months. Now it shows everything in net of fees as well when it comes to that internal rate of return. So the percentage on the investment shows everything after fees after all fees. So, obviously, with the the market, I'm sure you would have heard or seen on the news, it's been a bit of a turbulent last twelve months. Obviously, everything in The US did see Trump and tariffs and everything.\n\nYou'd see a bit of fluctuations in the market. And, obviously, more recently with the war as well, we have seen a bit of bit of turbulent in the market. Now in saying that, though, your portfolio is still doing pretty good despite the the fluctuation in turbulence we have had in the last twelve months. So it's still gone up by about 5.17% after fees. Now there is one investment here that I would like to look at changing for you.\n\nSo if you have a look at the second column to the right where it says internal rate of return. Can you see that? Yeah. Sorry. Yep.\n\nSorry. Exactly. So, basically, the one that has the bracket next to it, which is just two of them. Yep. And then all the way says 21.02.\n\nYep. These two are down at the moment. All the others are positive. Now sometimes that happens with fluctuations, but also because way that your portfolio is constructed is that we want diversification. So we wanna make sure that we're not betting everything on one market or one sector or one area.\n\nSo there will be times where some investments are doing really good, others not as good, and they kind of even each other out, if that makes sense. Yep. Exactly. At the same time, though, if we because we do a lot of research on the investments all the time and making sure that they're always going to be the best for you. And the investment committee do a lot of research.\n\nAnd if we foresee one investment underperforming a little bit and we don't foresee it coming back around again or as much or being the best option for you moving forward if things are always evolving. We wanna be proactive and look to make a change if need be. So, yeah, so with the top one, the one that says twenty one point zero two, this is the one that I would like to look at changing for you. Now this one here, it is a managed fund, and it's called Benelung Australian Equity. How that one works is that they are kind of actively trying to buy and sell different investments in order to try to outperform the market.\n\nSo they have been very successful in doing so, but, obviously, you're gonna have potentially a little bit more fluctuations because they're obviously doing that a bit more quickly, so a bit more of that kind of active management through the investments. They can be a little bit more expensive, so you wanna make sure that the performance outweighs the fees as well. Because, otherwise, what's the point paying a little bit more for the active management if it's not outperforming? So exactly. So exactly.\n\nSo right now, it's it's kind of underperforming. And like I said, the investment committee have done a lot of research on it and don't think it's going to be the best option moving forward and that there are better options. So what we have, yeah, what we have found is an alternative, which is called BetaShares Australia two hundred. Now how this one is a bit different because if we are swapping an Australian investment, we also wanna make sure that we add another Australian investment to keep diversification because we don't want everything in The US or everything in emerging markets. We wanna keep the diversification and still give you some exposure to the Australian market.\n\nJust another option. So yeah. Exactly. So with the Betashares a 200, the way how that one is a little bit different to the Bennelong is that it invests in the 200 largest companies listed in Australia. So, obviously, very diversified because with that one single line, you'll basically have 200 companies.\n\nNow you will have all the big banks and BHP and Woolworths. So, again, very well established companies in Australia. What also happens is that when one company grow and get bigger, it gets added to the 200. And if something gets smaller, it kind of falls out. So you're not going to have that kind of same yeah.\n\nCorrect. 100 percent. Exactly. Exactly. So because of that, that's obviously a little bit different type of investing.\n\nIt's it's kind of similar to a lot of the other ones. It is a bit cheaper because you don't have to have the whole same of buying and selling quickly and face with that. So it kind of is a little bit smoother. So it's a little bit cheaper, but it also has performed better than the vendor long investment for you. Yep.\n\nBeautiful. So what I will do for you, just so that you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you an email. It is called a record of advice. Basically, what it is, it is showing you the transaction change.\n\nSo it is changing the for the a Betashares a 200, and that's it. Just so that you have it in writing as well, that that's what we have done for you. Yeah. Perfect. No problem at all, Peter.\n\nNow if you can press next for me, can you yes. So this one here kind of refers back to our risk profiles, but it also gives us a good kind of overview of the market and what has happened in the world. Have you seen something like this before? Yeah. Okay.\n\nPerfect. So, yeah, it basically shows you all the market trends from 1995 through to 2025. The new one should come out soon because they do publish it at the end of each financial year, so the new one should come out soon. And it also breaks down the different asset classes. Now when we talk about a growth profile, which is how you are currently invested, we see about 80% invested in what we call your growth assets.\n\nNow these are a combination of your top four listed here. So The US shares, which is, like, the light green line, your Australian shares, which is, like, your dark green line, international shares, which is your yellow, and then the the property, which is, like, your maroon color. So it's a combination of these. So you can see here that these are the ones that grow the most, which is what we want when you still have plenty of time until retirement. Yeah.\n\nBut at the same time, we wanna have some of that defensive element like you said. You don't want high risk. So it's also about 20 in those bottom three. So that is, like, your defensive investment. So you can see that they don't grow as much.\n\nThey're a bit more stable. They still grow, but a little bit more stable. So it's kind of balancing out. Exactly. Now when we are also talking about a time frame, so making sure you have enough time for these kind of ups and downs, In a growth profile, ideally, we want to see at least six years until retirement.\n\nAnd if you are planning on retiring at 65 or later, you still have more than that time until you retire. So from a time frame, it is suitable for you where you are currently at if you are still happy happy with that. Yeah. Okay. Perfect.\n\nNow if you press next for me, which one do you have there? Is that one path or a sender? Yes. Is that for a sender or for one path? Is it same?\n\nA sender. Yeah. So you will have it just basically breaks down your insurances again in a bit more detail. So let me see. Even from here, it looks like it's all been paid.\n\nSo yeah. It's the yeah. Which because here here it even says through. So this is what's effective. When did you get the email?\n\nSorry. Do you remember when you got the first reminder? So they must have obviously realized it. I'll still triple check that for you. But they must have realized it because if you look here, it says this letter confirms that your policy is current and active effective the 07/07/2020 '6.\n\nSo they obviously issued this after. Now I still haven't got your email yet, but maybe it's my Internet or maybe does it say sent on your end? May maybe we'll do it after. Maybe when we finish, we'll go back just just to make it easier. Yeah.\n\nBut here, it says this is effective. It's all paid, and it shows true that it's paid up until the 06/18/2027. So the signature is still active bill paid full. So a bit strange how you got that one. It could have been just an admin error on their end that they thought you were paying it, but I'll still follow-up and send you an email just to be safe.\n\nBut at least here, you got proof that it's paid and it's enforced. Exactly. Now if you press next, you will have the same one for your one part policy. Again, just breaking down the insurances and shows you again that all paid and up to date. So that one the next one should come out soon for you about the July 18.\n\nThat one is just a monthly. Now if you wanna press next for me, what can you see now? Yep. Yep. So you probably have seen this before.\n\nIt is one of those compliance documents. It does give you all the important information in regards to us here at Oakview. I'll let you have a read over in your own time because it's 22 pages, so I don't wanna keep you here all night. But it does give you all the important information. Now we've had a bit of a change to marketing, a bit of an extension to the team, which is great, but none of the important information has changed from the copy that you would have got last year.\n\nIf you, while you are in here, want to scroll down, though, to page 10, you will actually see a photo of myself there. And sometimes it is nice to put a face to the voice when we're doing things over the phone. Yeah. And I think I'm next to so I'm next to Dana, which is the the person you spoke to last time, I believe. Yeah.\n\nPerfect. Yeah. Now if you press next for me, is that the one where it says hub twin yes. So this one here, it will ask you to add a little signature and date if you're happy to do so. Now what it is, it is just a compliance forms to say that we are keeping your tax fund number secure and safe on file.\n\nYep. Yes. If you if you are happy to do so, then, yes, that would be good. But if you prefer to do it later, that's also okay. And then you should.\n\nYep. Yep. Now if you press next, does it say consent to ongoing fee arrangement? Yes. Yes.\n\nYes. Yes. Yes. Yes. Sometimes it does it automatically.\n\nIt depends on, like, phone. Yeah. No. That's okay. Yep.\n\nSo this is the other one. This is the last one that it will also ask you to sign if you're happy to do so. Now what this one here is, it is a a ongoing service agreement. So, basically, what it says is that you are happy to stay on as a client. Now the fee structure, it is not changing.\n\nIt's not increasing. It stays exactly the same. Because both you and Sarah Jane are clients, you guys are on that reduced couple fee, which is lovely. So that's 1.1 from super. So it is not increasing or changing.\n\nIt is exactly the same. Now it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. Signing this basically allows us to keep managing your account, your investments, and everything until next under review where you have to sign another one. So every twelve months, you have to sign it in order for us to keep managing everything to make sure you are happy.\n\nBut it is not a lock in contract, and the fee is deducted on a monthly basis. So it's not like you are committing to a full year either. Yep. Perfect. Now that was the last document.\n\nAnd yep. Perfect. I can so that one came through right away. If yeah. If you could go back to the other one.\n\nYeah. Can you go into your sent one for me and see if it bounced back or whether it says it was sent? Yeah. This one came through fast. Sorry.\n\nInternet must be good. You need my email address again? Yeah. No. No.\n\nThat's all good. Is there because how many attachments are there? Like, how many photos? That should be that should be fine. Even if you wanna send it, like you can do it after after we get off the phone.\n\nThat's okay. Even if you wanted to just send it in two emails, if it's like a a file limit, sometimes there is that you can only send, like, x amount of size even if you wanna do, like, the three photos and then just send me straight away another one, that three, or see how you go. I will keep a lookout for that email. And like I said, I will call Asana tomorrow just to kind of check-in, and I will respond just to make sure that's all good. If you keep having issues where it's not sending to my email, which is strange, You can even just send it through, like, info@oqfinancial.com.au, and then the team will forward that to me if for some reason you keep having issues.\n\nYeah. But I did receive the other one. So And it's it's v e r o n I k a? Maybe that's why. If you wanna start new, that's okay.\n\nYep. Yeah. Maybe do you want me to read read out the aim the full email address just to be sure? Yes. Yes.\n\nThat's correct. Okay. Okay. Yes. Yes.\n\nAnd then the team will forward that to me. Yes. Perfect. That'll be great. And I will get that, and I'll follow-up with that tomorrow for you.\n\nYes. Yep. Perfect. Now also keep a lookout for that email with that record of advice that we'll send through to you, and we will also that process that notice of intent. So once that's been processed with how many four, I'll the team to send you that confirmation, and then you can just forward that onto your accountant as well.\n\nYep. Perfect. Do you have any other questions for me, otherwise, before I let you go and enjoy your evening? No? Yeah.\n\nYeah. Okay. Yeah. Yeah. Perfect.\n\nI'll still follow-up with you, though, just so you have it in writing just to be safe. But we have confirmation that's paid, so that's good. Must have been error. If there's anything else that you need, though, don't hesitate to give me a call or send me an email. Mhmm.\n\nNo problem at all. You enjoy the rest of your afternoon there, Rita. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Peter.","start":1.92,"end":3.04,"sentiment":"neutral","sentiment_score":0.31481774648030597},{"text":"This is Veronica from Oakview Financial.","start":3.04,"end":4.98,"sentiment":"neutral","sentiment_score":0.25228967765967053},{"text":"How are you?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.19484360019365946},{"text":"That's good.","start":7.52,"end":9.54,"sentiment":"positive","sentiment_score":0.48277999460697174},{"text":"Yes.","start":10.96,"end":11.44,"sentiment":"neutral","sentiment_score":0.006635177880525589}],"sentiment":"neutral","sentiment_score":0.26766115153829256,"num_words":15,"start":1.92,"end":11.44},{"sentences":[{"text":"Apologies for the mix up of the time difference when the booking was made for the last time.","start":11.44,"end":17.515,"sentiment":"neutral","sentiment_score":-0.0666293760554658},{"text":"You still have some time to go beyond review now?","start":19.735,"end":22.395,"sentiment":"neutral","sentiment_score":0.03803231064230204},{"text":"Yeah.","start":22.775,"end":23.275,"sentiment":"neutral","sentiment_score":0.0941288024187088},{"text":"Sounds good.","start":27.654999,"end":28.474998,"sentiment":"neutral","sentiment_score":0.25950874388217926},{"text":"Now, Peter, 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":29.14,"end":37.079998,"sentiment":"neutral","sentiment_score":0.014376433148723224}],"sentiment":"neutral","sentiment_score":0.0035176198153446117,"num_words":60,"start":11.44,"end":37.079998},{"sentences":[{"text":"Yeah.","start":38.66,"end":39.16,"sentiment":"neutral","sentiment_score":0.1960468292236328},{"text":"Perfect.","start":39.22,"end":39.72,"sentiment":"neutral","sentiment_score":0.2945854067802429},{"text":"And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":39.94,"end":50.864998,"sentiment":"neutral","sentiment_score":0.11511028454535538},{"text":"Yep.","start":55.26,"end":55.76,"sentiment":"neutral","sentiment_score":0.020293645560741425},{"text":"Yep.","start":58.54,"end":59.04,"sentiment":"neutral","sentiment_score":0.01884719356894493}],"sentiment":"neutral","sentiment_score":0.1168435829691589,"num_words":40,"start":38.66,"end":59.04},{"sentences":[{"text":"Perfect.","start":60.7,"end":61.18,"sentiment":"neutral","sentiment_score":0.21751871705055237},{"text":"And how's your day been?","start":61.18,"end":62.3,"sentiment":"neutral","sentiment_score":0.10511480122804642},{"text":"Been busy?","start":62.3,"end":63.04,"sentiment":"neutral","sentiment_score":0.022715164348483086},{"text":"Yeah.","start":64.78,"end":65.28,"sentiment":"neutral","sentiment_score":0.04651689529418945},{"text":"Yeah.","start":71.994995,"end":72.494995,"sentiment":"neutral","sentiment_score":0.04690994322299957}],"sentiment":"neutral","sentiment_score":0.08819498904049397,"num_words":10,"start":60.7,"end":72.494995},{"sentences":[{"text":"Yeah.","start":75.915,"end":76.415,"sentiment":"neutral","sentiment_score":0.1161039024591446},{"text":"Oh, that's yeah.","start":76.795,"end":80.75,"sentiment":"neutral","sentiment_score":0.06587169443567593},{"text":"Yeah.","start":83.689995,"end":84.09,"sentiment":"neutral","sentiment_score":0.021810557693243027},{"text":"Same.","start":84.09,"end":84.409996,"sentiment":"neutral","sentiment_score":0.02781577780842781},{"text":"We're we're on the Gold Coast, and it's when the sun's out, it's lovely.","start":84.409996,"end":88.75,"sentiment":"neutral","sentiment_score":0.10132322779723577}],"sentiment":"neutral","sentiment_score":0.08909352552145719,"num_words":20,"start":75.915,"end":88.75},{"sentences":[{"text":"But in the morning, it's quite chilly.","start":88.81,"end":90.99,"sentiment":"neutral","sentiment_score":-0.14505366874592646},{"text":"Yeah.","start":97.275,"end":97.675,"sentiment":"neutral","sentiment_score":0.2995997667312622},{"text":"I think we had eleven, which is before the sun goes up, which is a bit cold.","start":97.675,"end":103.615,"sentiment":"neutral","sentiment_score":0.14030674346448743},{"text":"Now, Peter, before I kind of jump into the under review, I do typically like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at.","start":105.62,"end":120.68,"sentiment":"neutral","sentiment_score":0.09690668176988075},{"text":"Yep.","start":124.125,"end":124.625,"sentiment":"neutral","sentiment_score":0.0271274596452713}],"sentiment":"neutral","sentiment_score":0.08710897293695737,"num_words":84,"start":88.81,"end":124.625},{"sentences":[{"text":"Mhmm.","start":126.525,"end":127.025,"sentiment":"neutral","sentiment_score":-0.002921793609857559},{"text":"Yeah.","start":129.165,"end":129.665,"sentiment":"neutral","sentiment_score":-0.00955229066312313},{"text":"Let me triple check for you.","start":142.45999,"end":144.8,"sentiment":"neutral","sentiment_score":0.057826692859331764},{"text":"Yeah.","start":148.71501,"end":149.115,"sentiment":"neutral","sentiment_score":-0.005267411470413208},{"text":"No.","start":149.115,"end":149.615,"sentiment":"neutral","sentiment_score":-0.17647592723369598}],"sentiment":"neutral","sentiment_score":0.015274273417890071,"num_words":10,"start":126.525,"end":149.615},{"sentences":[{"text":"Yeah.","start":153.515,"end":154.015,"sentiment":"neutral","sentiment_score":0.19572573900222776},{"text":"Now let me have a quick look on your statement.","start":156.315,"end":159.615,"sentiment":"neutral","sentiment_score":0.05322534404695034},{"text":"Yeah.","start":162.53,"end":163.03,"sentiment":"neutral","sentiment_score":0.04521092772483826},{"text":"No.","start":163.25,"end":163.75,"sentiment":"neutral","sentiment_score":0.0067644864320755005},{"text":"That should not be there it it is definitely through super.","start":164.53,"end":168.31,"sentiment":"neutral","sentiment_score":0.024927024814215572}],"sentiment":"neutral","sentiment_score":0.04392299444104234,"num_words":24,"start":153.515,"end":168.31},{"sentences":[{"text":"Yes.","start":169.17,"end":169.67,"sentiment":"neutral","sentiment_score":0.0526585578918457},{"text":"And they ask you to pay for it yourself?","start":170.69,"end":173.35,"sentiment":"neutral","sentiment_score":-0.006663709878921509},{"text":"Would you be able just so I can look into it for you, would you be able to forward me the email or take a photo if they posted it to you?","start":187.48001,"end":196.94,"sentiment":"neutral","sentiment_score":0.046873964893165976},{"text":"If you could, that will be good, and I'll just investigate a bit further because that's that's strange.","start":198.77501,"end":204.55501,"sentiment":"neutral","sentiment_score":0.022056509223249223},{"text":"Because it's definitely through service.","start":205.49501,"end":207.49501,"sentiment":"neutral","sentiment_score":0.12049138471484185}],"sentiment":"neutral","sentiment_score":0.038340402079316285,"num_words":65,"start":169.17,"end":207.49501},{"sentences":[{"text":"I'm glad you didn't pay for it.","start":207.49501,"end":209.035,"sentiment":"neutral","sentiment_score":0.2560698113271168},{"text":"So, yeah, if you could take a photo of that, and then you can just email it yeah.","start":210.96,"end":216.16,"sentiment":"neutral","sentiment_score":0.1265237640796436},{"text":"You can email it to me directly if you would like.","start":216.16,"end":218.42,"sentiment":"neutral","sentiment_score":0.053194528106938706},{"text":"Now my email address, if you have a pen and paper close by yep.","start":219.92,"end":225.03499,"sentiment":"neutral","sentiment_score":0.03482338932475874},{"text":"So it's just veronicawithak@oakviewfinancial, just one word, dot com dot a u.","start":225.03499,"end":247.37,"sentiment":"neutral","sentiment_score":0.03767267940565944}],"sentiment":"neutral","sentiment_score":0.09023638460184297,"num_words":62,"start":207.49501,"end":247.37},{"sentences":[{"text":"Yeah.","start":247.37,"end":247.68999,"sentiment":"neutral","sentiment_score":0.09127545356750488},{"text":"Perfect.","start":247.68999,"end":248.18999,"sentiment":"neutral","sentiment_score":0.20738232135772705},{"text":"That that'd be good.","start":248.25,"end":249.315,"sentiment":"neutral","sentiment_score":0.09724459983408451},{"text":"Yeah.","start":250.27501,"end":250.77501,"sentiment":"neutral","sentiment_score":0.004314787685871124},{"text":"Yeah.","start":251.075,"end":251.55501,"sentiment":"neutral","sentiment_score":-0.015498002991080284}],"sentiment":"neutral","sentiment_score":0.0845566198695451,"num_words":8,"start":247.37,"end":251.55501},{"sentences":[{"text":"Please send that through.","start":251.55501,"end":252.77501,"sentiment":"neutral","sentiment_score":-0.16198464669287205},{"text":"Yeah.","start":255.315,"end":255.55501,"sentiment":"neutral","sentiment_score":-0.06865719705820084},{"text":"No.","start":255.55501,"end":256.055,"sentiment":"neutral","sentiment_score":-0.09229616820812224},{"text":"That's all good.","start":257.395,"end":258.275,"sentiment":"neutral","sentiment_score":0.18471013009548187},{"text":"It's going around here too.","start":258.275,"end":259.815,"sentiment":"neutral","sentiment_score":0.016759996861219408}],"sentiment":"neutral","sentiment_score":-0.012211541246090616,"num_words":14,"start":251.55501,"end":259.815},{"sentences":[{"text":"What I will do first is just to go through just a bit of an updated fact line just to see if there is anything major that has changed, if we need to make any changes to your advice.","start":261.56998,"end":270.87,"sentiment":"neutral","sentiment_score":0.005348572220939856},{"text":"So just kind of bear with me as I go through these questions here, Peter.","start":271.49,"end":275.99,"sentiment":"neutral","sentiment_score":0.034818418820699054},{"text":"Now when it comes to your personal information, I have you down here as, that you're in a de facto relationship and no financial dependence to keep you a bit older.","start":277.14502,"end":289.965,"sentiment":"neutral","sentiment_score":0.038584107773438577},{"text":"Yep.","start":291.4,"end":291.9,"sentiment":"neutral","sentiment_score":0.1226181983947754},{"text":"Perfect.","start":292.12,"end":292.62,"sentiment":"neutral","sentiment_score":0.2509569227695465}],"sentiment":"neutral","sentiment_score":0.026443138632966184,"num_words":87,"start":261.56998,"end":292.62},{"sentences":[{"text":"And yep.","start":293.88,"end":296.46002,"sentiment":"neutral","sentiment_score":0.049454761669039726},{"text":"And I do have here next up Ken, Sarah Jane.","start":296.92,"end":300.04,"sentiment":"neutral","sentiment_score":0.050605501234531405},{"text":"So if for some reason we can't get in touch with you to give her a call and see what's happening?","start":300.04,"end":304.94,"sentiment":"neutral","sentiment_score":0.0012777523093280337},{"text":"Yep.","start":306.335,"end":306.835,"sentiment":"neutral","sentiment_score":0.08519966900348663},{"text":"Yeah.","start":309.215,"end":309.715,"sentiment":"neutral","sentiment_score":0.09294290840625764}],"sentiment":"neutral","sentiment_score":0.023141140331115043,"num_words":35,"start":293.88,"end":309.715},{"sentences":[{"text":"Yeah.","start":310.735,"end":311.235,"sentiment":"neutral","sentiment_score":0.059794068336486816},{"text":"Now employment wise, has any of that changed, or you're still not paying?","start":312.095,"end":318.51498,"sentiment":"neutral","sentiment_score":-0.053070554724679544},{"text":"Now you're still paying yourself about 80,000 a year, or has that changed?","start":320.57,"end":325.87,"sentiment":"neutral","sentiment_score":-0.0022545532824901435},{"text":"Yeah.","start":341.46503,"end":341.785,"sentiment":"neutral","sentiment_score":0.0356256403028965},{"text":"Like a an income.","start":341.785,"end":343.24503,"sentiment":"neutral","sentiment_score":0.030344759114086628}],"sentiment":"neutral","sentiment_score":-0.015700864343671128,"num_words":32,"start":310.735,"end":343.24503},{"sentences":[{"text":"Do you mhmm.","start":343.70502,"end":348.32376,"sentiment":"neutral","sentiment_score":0.0026442700376113257},{"text":"Mhmm.","start":350.8275,"end":351.3275,"sentiment":"neutral","sentiment_score":-0.0033609438687562943},{"text":"Okay.","start":353.83124,"end":354.33124,"sentiment":"neutral","sentiment_score":-0.006692554801702499},{"text":"Okay.","start":357.715,"end":358.215,"sentiment":"neutral","sentiment_score":0.03292546048760414},{"text":"Yep.","start":358.675,"end":359.07498,"sentiment":"neutral","sentiment_score":0.1413785070180893}],"sentiment":"neutral","sentiment_score":0.024597611278295517,"num_words":7,"start":343.70502,"end":359.07498},{"sentences":[{"text":"Alright.","start":359.07498,"end":359.395,"sentiment":"positive","sentiment_score":0.35359883308410645},{"text":"Perfect.","start":359.395,"end":359.895,"sentiment":"positive","sentiment_score":0.5313125252723694},{"text":"Now contributions as well into super, obviously, being self employed, it's obviously up to you.","start":361.235,"end":367.495,"sentiment":"neutral","sentiment_score":0.2090017706155777},{"text":"Now I can see here that on the June 23, I believe, you made a voluntary contribution into super about 18,000, I believe.","start":367.955,"end":379.15,"sentiment":"neutral","sentiment_score":0.09743875459484432},{"text":"Yep.","start":385.225,"end":385.725,"sentiment":"neutral","sentiment_score":0.129715234041214}],"sentiment":"neutral","sentiment_score":0.1558718172515311,"num_words":41,"start":359.07498,"end":385.725},{"sentences":[{"text":"Yeah.","start":392.02502,"end":392.52502,"sentiment":"neutral","sentiment_score":0.04897978901863098},{"text":"Yep.","start":393.30502,"end":393.80502,"sentiment":"neutral","sentiment_score":0.0961737185716629},{"text":"Yep.","start":395.86502,"end":396.265,"sentiment":"neutral","sentiment_score":0.11832314729690552},{"text":"Okay.","start":396.265,"end":396.665,"sentiment":"neutral","sentiment_score":0.21041764318943024},{"text":"Perfect.","start":396.665,"end":397.165,"sentiment":"positive","sentiment_score":0.3774831593036651}],"sentiment":"neutral","sentiment_score":0.17027549147605897,"num_words":5,"start":392.02502,"end":397.165},{"sentences":[{"text":"No.","start":397.225,"end":397.46503,"sentiment":"neutral","sentiment_score":0.15598762035369873},{"text":"That's good.","start":397.46503,"end":398.20502,"sentiment":"positive","sentiment_score":0.4174659848213196},{"text":"And it does obviously, the benefit of doing regular ones is obviously you have the money invested for longer.","start":398.345,"end":404.55,"sentiment":"positive","sentiment_score":0.3933878023373453},{"text":"It compounds.","start":404.61,"end":405.35,"sentiment":"positive","sentiment_score":0.33532144129276276},{"text":"But then, also, you are kind of taking advantage of the ups and downs in the market because things do fluctuate all the time.","start":406.21,"end":412.23,"sentiment":"neutral","sentiment_score":0.12139691070963939}],"sentiment":"neutral","sentiment_score":0.251030345292141,"num_words":48,"start":397.225,"end":412.23},{"sentences":[{"text":"So doing it kind of small increments means that you do sometimes invest when it's high, sometimes when it's low, and it kind of averages things out in a nice way as well.","start":412.865,"end":422.945,"sentiment":"positive","sentiment_score":0.7105655534700914},{"text":"Obviously, the downside is that if it's money you need, if it's at the end of the financial year, then you may have a bit more of an idea of how much you could put in.","start":422.945,"end":432.13,"sentiment":"neutral","sentiment_score":-0.24389965025087199},{"text":"But, obviously, you can adjust that however you want based on, obviously, your situation.","start":433.71002,"end":438.69,"sentiment":"neutral","sentiment_score":0.2690489707248552},{"text":"Yep.","start":444.185,"end":444.685,"sentiment":"neutral","sentiment_score":0.1947236061096191},{"text":"Yep.","start":447.70502,"end":448.20502,"sentiment":"neutral","sentiment_score":0.2299504578113556}],"sentiment":"neutral","sentiment_score":0.22187806481824202,"num_words":85,"start":412.865,"end":448.20502},{"sentences":[{"text":"Yep.","start":450.905,"end":451.305,"sentiment":"neutral","sentiment_score":0.29293355345726013},{"text":"Perfect.","start":451.305,"end":451.805,"sentiment":"positive","sentiment_score":0.6905989050865173},{"text":"And with the contribution, did you want us to do that notice of intent for you?","start":451.865,"end":457.78,"sentiment":"neutral","sentiment_score":0.10382909560576081},{"text":"Did you get no.","start":461.28,"end":465.2,"sentiment":"neutral","sentiment_score":0.025829809717833996},{"text":"It is completely up to you.","start":465.2,"end":467.06,"sentiment":"neutral","sentiment_score":0.05240792781114578}],"sentiment":"neutral","sentiment_score":0.10937731407050576,"num_words":28,"start":450.905,"end":467.06},{"sentences":[{"text":"It is because, obviously, you have made it as after tax contributions.","start":467.97498,"end":472.875,"sentiment":"neutral","sentiment_score":0.010417416381339232},{"text":"Obviously, it's money you've already paid tax on.","start":475.335,"end":477.595,"sentiment":"neutral","sentiment_score":0.007568250264739618},{"text":"Now contributions typically going into super or anything going into super is taxed at a concessional rate of 15%, which is obviously lower than your your marginal tax rate, which would obviously, if it's around the the 80 or so, would be that 30%.","start":477.735,"end":495.48502,"sentiment":"neutral","sentiment_score":0.0712649120356549},{"text":"So, obviously, you're paying more tax on it.","start":495.86502,"end":498.02502,"sentiment":"neutral","sentiment_score":0.14559539407491684},{"text":"So by doing the notice of intent, you can basically convert the contribution from a after tax to a pretax contribution, and that means you get a little bit of that kind of tax back.","start":498.02502,"end":512.68,"sentiment":"neutral","sentiment_score":0.2003086845789637}],"sentiment":"neutral","sentiment_score":0.10744652561799875,"num_words":107,"start":467.97498,"end":512.68},{"sentences":[{"text":"Yes.","start":515.3,"end":515.8,"sentiment":"neutral","sentiment_score":0.13485679030418396},{"text":"The the reason sometimes why people don't want to do it is more so how the benefit is paid out after.","start":515.94,"end":525.745,"sentiment":"neutral","sentiment_score":0.01683299474063374},{"text":"So because there are different tax consequences depending on who receives the money, that would then be because at the moment, it's it's tax free because you have made it after tax.","start":526.445,"end":539.95,"sentiment":"neutral","sentiment_score":-0.019848868454573676},{"text":"If you change it to pretax, it could be tax consequences depending on who receives it.","start":540.33,"end":546.03,"sentiment":"neutral","sentiment_score":-0.07242552959360182},{"text":"Now for your superannuation, I do have Sarah Jane nominated.","start":546.41003,"end":551.245,"sentiment":"positive","sentiment_score":0.3754666358232498}],"sentiment":"neutral","sentiment_score":0.03061304717557505,"num_words":80,"start":515.3,"end":551.245},{"sentences":[{"text":"What that means, obviously, if she is your spouse, it wouldn't matter because it's tax free to her regardless.","start":553.465,"end":560.7,"sentiment":"positive","sentiment_score":0.40484140578069183},{"text":"So whether it's pretax or after tax, it's completely tax free to her.","start":560.92004,"end":565.9,"sentiment":"positive","sentiment_score":0.4669019625737117},{"text":"The the the kind of caveat would be if the suitor were to go through your adult children.","start":566.68,"end":574.38,"sentiment":"neutral","sentiment_score":-0.02513075268103017},{"text":"That's when they would then pay they could pay up to that 30% tax on the the tax elements, if that makes sense.","start":575.345,"end":585.76495,"sentiment":"neutral","sentiment_score":0.17399559607324394},{"text":"So would you like us to do that for you?","start":588.95,"end":591.61,"sentiment":"positive","sentiment_score":0.37168135195970536}],"sentiment":"neutral","sentiment_score":0.25335025185921106,"num_words":83,"start":553.465,"end":591.61},{"sentences":[{"text":"Yeah.","start":593.43,"end":593.91,"sentiment":"neutral","sentiment_score":0.2140541672706604},{"text":"Most most of I would say 99% of the people do because putting it in its way to get, yeah, you get a little bit of that kind of claim back.","start":593.91,"end":604.015,"sentiment":"neutral","sentiment_score":0.31105539202690125},{"text":"So what I will let the team know is that you wanna obviously claim that notice 07/10 on the 18000.","start":604.015,"end":610.91504,"sentiment":"neutral","sentiment_score":0.2534657470881939},{"text":"Now once we have lodged that with hub twenty four, we will get a little confirmation letter, and you can then bring that with you to do you do your accountant a tax return yourself, or do you go to someone?","start":611.455,"end":626.68,"sentiment":"neutral","sentiment_score":0.12028378375419756},{"text":"Okay.","start":628.98,"end":629.48,"sentiment":"neutral","sentiment_score":-0.017586898058652878}],"sentiment":"neutral","sentiment_score":0.21106526061416941,"num_words":94,"start":593.43,"end":629.48},{"sentences":[{"text":"Normally, they they wouldn't.","start":643.09503,"end":645.86,"sentiment":"neutral","sentiment_score":-0.06406181771308184},{"text":"They would like, the accountant would say, hey.","start":646.16003,"end":648.0,"sentiment":"neutral","sentiment_score":-0.02520067128352821},{"text":"Do you have the letter?","start":648.0,"end":648.88,"sentiment":"neutral","sentiment_score":-0.022000804916024207},{"text":"And then I will put it through.","start":648.88,"end":650.5,"sentiment":"neutral","sentiment_score":0.0003181600144931248},{"text":"Because do doing the action notice, sometimes you have to do directly with the super funds.","start":650.88,"end":655.7,"sentiment":"neutral","sentiment_score":-0.040471743675880134}],"sentiment":"neutral","sentiment_score":-0.03032943611033261,"num_words":40,"start":643.09503,"end":655.7},{"sentences":[{"text":"So you would have to do that with the half 24.","start":655.76,"end":658.34,"sentiment":"neutral","sentiment_score":-0.016520632600242443},{"text":"And, obviously, if he he, unless you do it on like, he does it on your account while you were there.","start":658.4,"end":665.415,"sentiment":"neutral","sentiment_score":-0.009834021595971925},{"text":"Okay.","start":669.395,"end":669.895,"sentiment":"neutral","sentiment_score":0.040217626839876175},{"text":"I'll see if I can see.","start":671.395,"end":673.015,"sentiment":"neutral","sentiment_score":0.0962198091049989},{"text":"Yeah.","start":679.06,"end":679.56,"sentiment":"neutral","sentiment_score":0.028295541182160378}],"sentiment":"neutral","sentiment_score":0.006439765263348818,"num_words":40,"start":655.76,"end":679.56},{"sentences":[{"text":"When when are you seeing him, or have you seen him already?","start":679.69995,"end":683.63995,"sentiment":"neutral","sentiment_score":0.01072205021046102},{"text":"Yes.","start":693.555,"end":694.055,"sentiment":"neutral","sentiment_score":0.1818700134754181},{"text":"Yeah.","start":696.115,"end":696.595,"sentiment":"neutral","sentiment_score":0.17546570301055908},{"text":"Maybe just because, yeah, you can only do it at once.","start":696.595,"end":699.235,"sentiment":"neutral","sentiment_score":0.2413875311613083},{"text":"You can make a variation if there was any issues, but you normally, you would just do it once.","start":699.235,"end":704.02,"sentiment":"neutral","sentiment_score":0.20350295697387896}],"sentiment":"neutral","sentiment_score":0.1592686214611273,"num_words":44,"start":679.69995,"end":704.02},{"sentences":[{"text":"So often, an accountant would just tell their clients, just get the letter from your super fund, and then I will do it.","start":704.02,"end":711.16003,"sentiment":"neutral","sentiment_score":0.21183667105177176},{"text":"So then we would assist with doing the claim through hub twenty four.","start":712.66003,"end":715.725,"sentiment":"neutral","sentiment_score":0.26011466062985933},{"text":"We will give you the letter, and you would just bring that letter to your accountant.","start":715.725,"end":718.785,"sentiment":"neutral","sentiment_score":0.19098968850448728},{"text":"But if he has direct access to everything, he could have done it.","start":719.165,"end":723.985,"sentiment":"neutral","sentiment_score":0.0430183347601157},{"text":"Let me just have a quick look if I can see it.","start":724.685,"end":727.325,"sentiment":"neutral","sentiment_score":0.10365079777936141}],"sentiment":"neutral","sentiment_score":0.17029372680109817,"num_words":77,"start":704.02,"end":727.325},{"sentences":[{"text":"So maybe if you would like, maybe email him and say, hey.","start":727.325,"end":733.18,"sentiment":"neutral","sentiment_score":0.13079329952597618},{"text":"Are you planning on doing it?","start":733.18,"end":734.54004,"sentiment":"neutral","sentiment_score":0.09377880021929741},{"text":"Or if not, I can let, like, you know, and or we can do it for you.","start":734.54004,"end":740.08,"sentiment":"neutral","sentiment_score":0.15669520067818024},{"text":"Then he would obviously do the lodgment to obviously get the tax back so we can change it in hub twenty four for you.","start":740.54004,"end":748.295,"sentiment":"neutral","sentiment_score":0.061779292610784374},{"text":"Yep.","start":749.635,"end":749.875,"sentiment":"neutral","sentiment_score":0.17989759147167206}],"sentiment":"neutral","sentiment_score":0.10764352368811766,"num_words":60,"start":727.325,"end":749.875},{"sentences":[{"text":"Does that make sense?","start":749.875,"end":751.015,"sentiment":"neutral","sentiment_score":0.2951483502984047},{"text":"Yep.","start":752.515,"end":752.915,"sentiment":"neutral","sentiment_score":0.08026611804962158},{"text":"Yep.","start":752.915,"end":753.15497,"sentiment":"neutral","sentiment_score":0.08735296130180359},{"text":"Okay.","start":753.15497,"end":753.475,"sentiment":"neutral","sentiment_score":0.10111096501350404},{"text":"Well, I'll just leave it until I've heard from you just to make sure.","start":753.475,"end":758.055,"sentiment":"neutral","sentiment_score":0.10171446363840785}],"sentiment":"neutral","sentiment_score":0.1368250445950599,"num_words":21,"start":749.875,"end":758.055},{"sentences":[{"text":"And if I haven't heard anything in maybe, like, a week or so, I'll just send you a little follow-up just just to check.","start":758.33,"end":763.95,"sentiment":"neutral","sentiment_score":0.06759114159892003},{"text":"Okay.","start":768.01,"end":768.51,"sentiment":"neutral","sentiment_score":-0.04193780943751335},{"text":"Yeah.","start":768.57,"end":769.07,"sentiment":"neutral","sentiment_score":-0.08826442062854767},{"text":"No.","start":770.585,"end":770.905,"sentiment":"neutral","sentiment_score":-0.2177506387233734},{"text":"Because if we've already done that, it will just show that you don't have any extra available.","start":770.905,"end":775.885,"sentiment":"neutral","sentiment_score":-0.031827507732326496}],"sentiment":"neutral","sentiment_score":0.016662884048524906,"num_words":44,"start":758.33,"end":775.885},{"sentences":[{"text":"So we can just go ahead yeah.","start":776.265,"end":778.445,"sentiment":"neutral","sentiment_score":0.10546966535704476},{"text":"Okay.","start":779.625,"end":780.125,"sentiment":"neutral","sentiment_score":-0.033973775804042816},{"text":"Yep.","start":780.425,"end":780.925,"sentiment":"neutral","sentiment_score":-0.0025939284823834896},{"text":"No.","start":781.305,"end":781.625,"sentiment":"neutral","sentiment_score":-0.03896872699260712},{"text":"That's okay.","start":781.625,"end":782.525,"sentiment":"neutral","sentiment_score":0.10209501534700394}],"sentiment":"neutral","sentiment_score":0.07224510474285732,"num_words":12,"start":776.265,"end":782.525},{"sentences":[{"text":"Once it's been lodged with hub twenty four, though, we will still email you the certificate, and then you can just forward that on to your account as well because they will need that for the actual tax return.","start":783.12,"end":793.22003,"sentiment":"neutral","sentiment_score":0.14963019066132033},{"text":"Okay.","start":794.96,"end":795.44,"sentiment":"positive","sentiment_score":0.3369026780128479},{"text":"Perfect.","start":795.44,"end":795.94,"sentiment":"positive","sentiment_score":0.608587384223938},{"text":"Now I do wanna just mention that with the doing it that that way, there is a contribution cap space we have to be mindful of each year.","start":796.08,"end":807.28503,"sentiment":"neutral","sentiment_score":0.12147552865956511},{"text":"You are well below below it, so there's no risk for it.","start":807.34503,"end":810.4,"sentiment":"neutral","sentiment_score":0.11263980437070131}],"sentiment":"neutral","sentiment_score":0.14239580188820392,"num_words":81,"start":783.12,"end":810.4},{"sentences":[{"text":"But if, let's say, this financial year, you go I wanna put 50,000 and you wanna do the the notice of intent, just let me know.","start":810.4,"end":821.52,"sentiment":"neutral","sentiment_score":0.06344397896184371},{"text":"Just let me run the numbers because each so this financial year, it's gone up.","start":821.52,"end":826.745,"sentiment":"neutral","sentiment_score":0.04753878613313039},{"text":"The cap space is 32,500.","start":826.805,"end":829.705,"sentiment":"neutral","sentiment_score":0.024772389978170394},{"text":"So if you go over that, there is different strategies where you can it gets a bit technical, but you can use unused spaces from previous years to kind of catch up.","start":830.405,"end":842.51,"sentiment":"neutral","sentiment_score":0.049209538963623345},{"text":"So if if it was that you were thinking of doing more than 32,000, just let me know, and I'll just wanna triple check for you.","start":844.41,"end":853.545,"sentiment":"neutral","sentiment_score":0.05739054291580732}],"sentiment":"neutral","sentiment_score":0.053397563053295016,"num_words":104,"start":810.4,"end":853.545},{"sentences":[{"text":"Yep.","start":854.58496,"end":855.08496,"sentiment":"neutral","sentiment_score":0.07812155783176422},{"text":"Okay.","start":855.225,"end":855.70496,"sentiment":"neutral","sentiment_score":0.25981342792510986},{"text":"Perfect.","start":855.70496,"end":856.20496,"sentiment":"positive","sentiment_score":0.7186933755874634},{"text":"No.","start":856.745,"end":857.065,"sentiment":"neutral","sentiment_score":0.05435255542397499},{"text":"That's okay.","start":857.065,"end":857.96497,"sentiment":"neutral","sentiment_score":0.09493295475840569}],"sentiment":"neutral","sentiment_score":0.21680780438085398,"num_words":6,"start":854.58496,"end":857.96497},{"sentences":[{"text":"Now asset wise, I do have here your property was last night at about 700,000.","start":859.305,"end":865.96497,"sentiment":"neutral","sentiment_score":0.04964294421176116},{"text":"Yep.","start":867.79,"end":868.29,"sentiment":"neutral","sentiment_score":0.05167651921510696},{"text":"Perfect.","start":868.67,"end":869.15,"sentiment":"neutral","sentiment_score":0.24693763256073},{"text":"And about $3.10 was owing on the mortgage.","start":869.15,"end":872.05,"sentiment":"neutral","sentiment_score":0.03802123083733022},{"text":"Still sound about about 310.","start":874.59,"end":876.91,"sentiment":"neutral","sentiment_score":0.0193294920027256}],"sentiment":"neutral","sentiment_score":0.04813585405548414,"num_words":30,"start":859.305,"end":876.91},{"sentences":[{"text":"Does that sound about right?","start":876.91,"end":878.205,"sentiment":"neutral","sentiment_score":0.02136502116918564},{"text":"That's perfect.","start":879.48505,"end":880.385,"sentiment":"neutral","sentiment_score":0.21627087518572807},{"text":"2 95.","start":880.925,"end":882.22504,"sentiment":"neutral","sentiment_score":0.06640423834323883},{"text":"Cool.","start":882.365,"end":882.865,"sentiment":"positive","sentiment_score":0.361165463924408},{"text":"Now I also have here a motor vehicle right at about 12,000.","start":884.445,"end":887.98505,"sentiment":"neutral","sentiment_score":0.06369939198096593}],"sentiment":"neutral","sentiment_score":0.0817151591181755,"num_words":22,"start":876.91,"end":887.98505},{"sentences":[{"text":"Yep.","start":889.72504,"end":890.22504,"sentiment":"neutral","sentiment_score":0.0600990355014801},{"text":"A trailer of about 7,000, and then tools for about 20.","start":890.685,"end":896.81,"sentiment":"neutral","sentiment_score":0.05304312435063449},{"text":"Yep.","start":898.55,"end":899.05,"sentiment":"neutral","sentiment_score":0.0659213438630104},{"text":"Any other new assets that's changed in the last twelve months?","start":899.27,"end":902.49,"sentiment":"neutral","sentiment_score":0.040583513846451584},{"text":"Nope.","start":903.99,"end":904.49,"sentiment":"neutral","sentiment_score":-0.08233343064785004}],"sentiment":"neutral","sentiment_score":0.042943198755383494,"num_words":25,"start":889.72504,"end":904.49},{"sentences":[{"text":"Perfect.","start":904.55,"end":905.05,"sentiment":"positive","sentiment_score":0.3546797037124634},{"text":"And health and lifestyle wise, I have you down here as a nonsmoker.","start":905.97504,"end":910.47504,"sentiment":"neutral","sentiment_score":0.21208175988151476},{"text":"That's still the case as well?","start":910.695,"end":912.23505,"sentiment":"neutral","sentiment_score":0.15377963334321976},{"text":"Yep.","start":913.09503,"end":913.59503,"sentiment":"neutral","sentiment_score":-0.00232812762260437},{"text":"And no.","start":915.09503,"end":915.495,"sentiment":"neutral","sentiment_score":0.09852346032857895}],"sentiment":"neutral","sentiment_score":0.18387561631591423,"num_words":23,"start":904.55,"end":915.495},{"sentences":[{"text":"That's good.","start":915.495,"end":916.47504,"sentiment":"neutral","sentiment_score":0.2970171198248863},{"text":"Now have you had any changes to your health, any significant health issues or injuries or anything?","start":917.575,"end":924.47,"sentiment":"neutral","sentiment_score":-0.023957354619222528},{"text":"No.","start":926.21,"end":926.69,"sentiment":"neutral","sentiment_score":-0.08582951128482819},{"text":"Great.","start":926.69,"end":927.19,"sentiment":"neutral","sentiment_score":0.15650516748428345},{"text":"And when it comes to estate planning, do you guys have a will or power of attorney or anything in place?","start":928.13,"end":935.02997,"sentiment":"neutral","sentiment_score":-0.0010469010365860803}],"sentiment":"neutral","sentiment_score":0.005605951084622315,"num_words":42,"start":915.495,"end":935.02997},{"sentences":[{"text":"No?","start":939.45496,"end":939.95496,"sentiment":"neutral","sentiment_score":-0.04301602393388748},{"text":"Yeah.","start":941.69495,"end":942.19495,"sentiment":"neutral","sentiment_score":-0.0043366458266973495},{"text":"Yeah.","start":948.7,"end":949.2,"sentiment":"neutral","sentiment_score":-0.01709698885679245},{"text":"Most people are the same.","start":949.34,"end":950.72,"sentiment":"neutral","sentiment_score":-0.06136041134595871},{"text":"Yeah.","start":958.22,"end":958.72,"sentiment":"neutral","sentiment_score":-0.03661986067891121}],"sentiment":"neutral","sentiment_score":-0.04531906400289801,"num_words":9,"start":939.45496,"end":958.72},{"sentences":[{"text":"No.","start":960.14,"end":960.46,"sentiment":"neutral","sentiment_score":-0.03703099116683006},{"text":"That's all that's all good.","start":960.46,"end":962.62,"sentiment":"neutral","sentiment_score":0.23975504213012755},{"text":"It's on the to do list.","start":962.62,"end":964.0,"sentiment":"neutral","sentiment_score":0.2639864633480708},{"text":"Now, otherwise, usually, a good kind of checking point during annual review is to see what your goals were last time we spoke to you, if it has changed how you are tracking, and if you have any new financial goals.","start":965.39496,"end":977.495,"sentiment":"neutral","sentiment_score":0.11955738630963535},{"text":"So last time when you spoke to my colleague, Dana, you're obviously, aside from super and insurances, your kind of other focus was just to kind of continue to pay down the mortgage as much as possible.","start":977.795,"end":989.74,"sentiment":"neutral","sentiment_score":0.08076133015188011}],"sentiment":"neutral","sentiment_score":0.1181742783765205,"num_words":90,"start":960.14,"end":989.74},{"sentences":[{"text":"Is that still kind of the main priority for you?","start":989.8,"end":992.45996,"sentiment":"neutral","sentiment_score":0.09898214302957058},{"text":"Yep.","start":993.40497,"end":993.90497,"sentiment":"neutral","sentiment_score":0.2736731171607971},{"text":"Yep.","start":996.605,"end":997.105,"sentiment":"neutral","sentiment_score":0.15559691190719604},{"text":"Perfect.","start":997.165,"end":997.665,"sentiment":"positive","sentiment_score":0.4779351949691773},{"text":"And any anything else that you you guys are working towards?","start":998.125,"end":1001.96497,"sentiment":"neutral","sentiment_score":0.2415500838648189}],"sentiment":"neutral","sentiment_score":0.18975323236857852,"num_words":24,"start":989.8,"end":1001.96497},{"sentences":[{"text":"So that's kind of the main priority.","start":1001.96497,"end":1003.58496,"sentiment":"neutral","sentiment_score":0.27881641898836407},{"text":"Yep.","start":1005.5,"end":1005.9,"sentiment":"neutral","sentiment_score":0.10426828265190125},{"text":"Alright.","start":1005.9,"end":1006.4,"sentiment":"neutral","sentiment_score":0.22990864515304563},{"text":"Perfect.","start":1006.54,"end":1007.04,"sentiment":"neutral","sentiment_score":0.023189695551991463},{"text":"Now when it comes to superannuation and how your money is actually invested, I do wanna quickly go through just a bit of an updated risk profile questionnaire with you, Peter.","start":1007.5,"end":1018.88,"sentiment":"neutral","sentiment_score":0.15382335407118644}],"sentiment":"neutral","sentiment_score":0.1726245251824943,"num_words":41,"start":1001.96497,"end":1018.88},{"sentences":[{"text":"It is pretty straightforward.","start":1019.255,"end":1020.635,"sentiment":"positive","sentiment_score":0.38621217757463455},{"text":"It is just multiple choice.","start":1020.77496,"end":1022.39496,"sentiment":"neutral","sentiment_score":0.27953027486801146},{"text":"So there's no right or wrong answer, and it's just whatever you feel is the most appropriate for you.","start":1023.015,"end":1029.115,"sentiment":"neutral","sentiment_score":0.17152036961756253},{"text":"Sometimes it can be a little bit tricky because it's all kind of hypothetical situation.","start":1029.575,"end":1033.98,"sentiment":"neutral","sentiment_score":-0.14048612813154857},{"text":"So if it doesn't make sense, just let me know.","start":1034.36,"end":1037.02,"sentiment":"neutral","sentiment_score":-0.16560717150568963}],"sentiment":"neutral","sentiment_score":0.04600044283664451,"num_words":53,"start":1019.255,"end":1037.02},{"sentences":[{"text":"Yep.","start":1038.36,"end":1038.86,"sentiment":"neutral","sentiment_score":0.09766720980405807},{"text":"Now have you ever bought direct shares on the stock market yourself?","start":1039.72,"end":1044.7,"sentiment":"neutral","sentiment_score":0.0767270652577281},{"text":"Nope.","start":1047.285,"end":1047.785,"sentiment":"neutral","sentiment_score":-0.023244157433509827},{"text":"And when it comes to time frames of when you are looking at accessing super, retiring, I have here about 65.","start":1048.485,"end":1059.45,"sentiment":"neutral","sentiment_score":0.06360796324553944},{"text":"Is that still kind of the plan, do you think?","start":1059.5299,"end":1061.7899,"sentiment":"neutral","sentiment_score":0.09195537380874157}],"sentiment":"neutral","sentiment_score":0.07223264003793399,"num_words":45,"start":1038.36,"end":1061.7899},{"sentences":[{"text":"Yeah.","start":1066.01,"end":1066.51,"sentiment":"neutral","sentiment_score":0.01727994903922081},{"text":"Yeah.","start":1068.1699,"end":1068.6699,"sentiment":"neutral","sentiment_score":0.07261496037244797},{"text":"No worries.","start":1068.97,"end":1069.7899,"sentiment":"neutral","sentiment_score":0.12388188764452934},{"text":"It is also just to kind of make sure you have enough time in the market for the different fluctuations.","start":1070.57,"end":1075.095,"sentiment":"neutral","sentiment_score":0.10518619883805513},{"text":"But if you're not planning on retiring in the next couple of years, then then that's all good.","start":1075.095,"end":1081.275,"sentiment":"neutral","sentiment_score":0.09624001880486806}],"sentiment":"neutral","sentiment_score":0.09937388095117751,"num_words":42,"start":1066.01,"end":1081.275},{"sentences":[{"text":"Yep.","start":1082.615,"end":1083.115,"sentiment":"neutral","sentiment_score":0.029797246679663655},{"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 a very high risk, high, moderate, or a small amount of risk for your superannuation?","start":1083.735,"end":1099.64,"sentiment":"neutral","sentiment_score":-0.04132254105061293},{"text":"Moderate?","start":1102.595,"end":1103.095,"sentiment":"neutral","sentiment_score":-0.054951783269643784},{"text":"Yep.","start":1106.755,"end":1107.255,"sentiment":"neutral","sentiment_score":-0.004232383333146572},{"text":"Yep.","start":1107.715,"end":1108.215,"sentiment":"neutral","sentiment_score":0.03497849404811859}],"sentiment":"neutral","sentiment_score":-0.03743886517953466,"num_words":44,"start":1082.615,"end":1108.215},{"sentences":[{"text":"So it's kind of wanting some growth, but obviously not high growth or aggressive.","start":1108.6749,"end":1112.455,"sentiment":"neutral","sentiment_score":-0.02177280656594251},{"text":"Yep.","start":1114.16,"end":1114.66,"sentiment":"neutral","sentiment_score":0.06821251660585403},{"text":"Now if you place an investment and then you found out that it it fell due to general trends in the market.","start":1115.12,"end":1123.54,"sentiment":"neutral","sentiment_score":-0.06745448386804624},{"text":"So you placed an investment and it dropped.","start":1124.16,"end":1126.42,"sentiment":"neutral","sentiment_score":-0.08253559237346053},{"text":"Would you, if you had the option to do so, I think that, well, now is potentially a good time to put a little bit more in while the prices are down.","start":1127.0549,"end":1134.5149,"sentiment":"neutral","sentiment_score":0.060502434615045786}],"sentiment":"neutral","sentiment_score":-0.005776782489877629,"num_words":77,"start":1108.6749,"end":1134.5149},{"sentences":[{"text":"Would you kind of be a bit neutral, just kind of wait and see what happens, or would you want to sell?","start":1135.0549,"end":1141.3949,"sentiment":"neutral","sentiment_score":-0.04153244705362753},{"text":"Yep.","start":1148.12,"end":1148.62,"sentiment":"neutral","sentiment_score":0.25881844758987427},{"text":"Yeah.","start":1151.4801,"end":1151.9801,"sentiment":"neutral","sentiment_score":0.08400646597146988},{"text":"No.","start":1152.28,"end":1152.6001,"sentiment":"neutral","sentiment_score":0.08702822774648666},{"text":"Perfect.","start":1152.6001,"end":1153.1001,"sentiment":"positive","sentiment_score":0.3634294867515564}],"sentiment":"neutral","sentiment_score":-0.004631969504631483,"num_words":26,"start":1135.0549,"end":1153.1001},{"sentences":[{"text":"And next is when it comes to fluctuations.","start":1153.815,"end":1157.7549,"sentiment":"neutral","sentiment_score":0.13893659133464098},{"text":"So, obviously, there's going to be times in the market where things do fluctuate.","start":1158.0549,"end":1161.5149,"sentiment":"neutral","sentiment_score":0.08122369274497032},{"text":"Some years are gonna be obviously better than others depending on what is going on in in the world and the market.","start":1162.215,"end":1167.355,"sentiment":"neutral","sentiment_score":0.14112074842507188},{"text":"Now if there's ever any point in time where any of your investments, so super, any other investments are are down temporarily, how would that make you feel?","start":1167.88,"end":1178.54,"sentiment":"neutral","sentiment_score":0.05924778099038771},{"text":"Would you say optimistic about potential future opportunities to invest in?","start":1178.84,"end":1185.125,"sentiment":"neutral","sentiment_score":0.23729705200953918}],"sentiment":"neutral","sentiment_score":0.11593357029269977,"num_words":83,"start":1153.815,"end":1185.125},{"sentences":[{"text":"A bit kind of neutral, not making any further investments?","start":1185.6649,"end":1189.205,"sentiment":"neutral","sentiment_score":-0.14816171154379845},{"text":"Concerned or highly anxious?","start":1190.5449,"end":1192.565,"sentiment":"negative","sentiment_score":-0.3493831604719162},{"text":"Yep.","start":1198.13,"end":1198.45,"sentiment":"neutral","sentiment_score":0.045724667608737946},{"text":"Yep.","start":1198.45,"end":1198.85,"sentiment":"neutral","sentiment_score":0.1231909990310669},{"text":"Perfect.","start":1198.85,"end":1199.35,"sentiment":"positive","sentiment_score":0.35634326934814453}],"sentiment":"neutral","sentiment_score":-0.13846416596104116,"num_words":17,"start":1185.6649,"end":1199.35},{"sentences":[{"text":"Exactly.","start":1201.65,"end":1202.15,"sentiment":"neutral","sentiment_score":0.08906839787960052},{"text":"Yep.","start":1203.5701,"end":1204.0701,"sentiment":"neutral","sentiment_score":0.03556628152728081},{"text":"Now last no.","start":1204.53,"end":1206.7949,"sentiment":"neutral","sentiment_score":-0.10721200580398242},{"text":"That's good.","start":1206.7949,"end":1207.695,"sentiment":"neutral","sentiment_score":0.1478692516684532},{"text":"Now the last question here is in regards to borrowing money.","start":1207.835,"end":1211.455,"sentiment":"neutral","sentiment_score":-0.001926398751410571}],"sentiment":"neutral","sentiment_score":0.0043081543925735655,"num_words":18,"start":1201.65,"end":1211.455},{"sentences":[{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1211.755,"end":1217.375,"sentiment":"neutral","sentiment_score":-0.017904759446779887},{"text":"No.","start":1221.21,"end":1221.71,"sentiment":"neutral","sentiment_score":-0.10145876556634904},{"text":"Would you consider taking out a loan to buy an investment property?","start":1222.25,"end":1226.35,"sentiment":"neutral","sentiment_score":-0.05410165370752414},{"text":"Nope.","start":1230.105,"end":1230.605,"sentiment":"neutral","sentiment_score":-0.13551393151283264},{"text":"Perfect.","start":1230.665,"end":1231.065,"sentiment":"neutral","sentiment_score":-0.0717645138502121}],"sentiment":"neutral","sentiment_score":-0.04088428157071273,"num_words":30,"start":1211.755,"end":1231.065},{"sentences":[{"text":"Just trying to get debt free.","start":1231.065,"end":1232.6849,"sentiment":"neutral","sentiment_score":-0.09649737738072872},{"text":"Yeah.","start":1233.865,"end":1234.365,"sentiment":"neutral","sentiment_score":0.09795436263084412},{"text":"Perfect.","start":1235.625,"end":1236.125,"sentiment":"neutral","sentiment_score":0.24207085371017456},{"text":"Yeah.","start":1236.985,"end":1237.485,"sentiment":"neutral","sentiment_score":0.12757650017738342},{"text":"Now, Peter, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in.","start":1238.425,"end":1247.28,"sentiment":"neutral","sentiment_score":0.08550834447145463}],"sentiment":"neutral","sentiment_score":0.059597825412364566,"num_words":34,"start":1231.065,"end":1247.28},{"sentences":[{"text":"Now yeah.","start":1247.74,"end":1249.4401,"sentiment":"neutral","sentiment_score":0.07272862456738949},{"text":"So what I will do is when I have actually sent you a document with some documents to go through.","start":1249.74,"end":1256.4601,"sentiment":"neutral","sentiment_score":0.015723165450617672},{"text":"Sorry.","start":1256.4601,"end":1256.62,"sentiment":"neutral","sentiment_score":-0.03660443425178528},{"text":"I have sent you an email with some documents to go through.","start":1256.62,"end":1259.0751,"sentiment":"neutral","sentiment_score":-0.0211202553473413},{"text":"Do you have access to your emails at the moment?","start":1259.0751,"end":1261.0951,"sentiment":"neutral","sentiment_score":-0.016548848524689675}],"sentiment":"neutral","sentiment_score":0.00009743498845232858,"num_words":45,"start":1247.74,"end":1261.0951},{"sentences":[{"text":"Okay.","start":1262.515,"end":1263.015,"sentiment":"neutral","sentiment_score":0.01280120573937893},{"text":"Yes.","start":1268.915,"end":1269.155,"sentiment":"neutral","sentiment_score":0.01929660513997078},{"text":"I have.","start":1269.155,"end":1269.8151,"sentiment":"neutral","sentiment_score":0.007354063913226128},{"text":"Just as, yeah, just as I called.","start":1270.3551,"end":1272.375,"sentiment":"neutral","sentiment_score":0.029803854280284474},{"text":"Yes.","start":1277.78,"end":1278.28,"sentiment":"neutral","sentiment_score":0.16346800327301023}],"sentiment":"neutral","sentiment_score":0.03490841016173363,"num_words":12,"start":1262.515,"end":1278.28},{"sentences":[{"text":"Yes.","start":1278.74,"end":1279.24,"sentiment":"neutral","sentiment_score":0.20665189623832703},{"text":"Okay.","start":1281.06,"end":1281.56,"sentiment":"neutral","sentiment_score":0.14095382392406464},{"text":"Yeah.","start":1283.54,"end":1283.86,"sentiment":"neutral","sentiment_score":0.21703451871871948},{"text":"Okay.","start":1283.86,"end":1284.26,"sentiment":"positive","sentiment_score":0.4150305390357971},{"text":"Perfect.","start":1284.26,"end":1284.76,"sentiment":"positive","sentiment_score":0.6575232148170471}],"sentiment":"neutral","sentiment_score":0.3274387985467911,"num_words":5,"start":1278.74,"end":1284.76},{"sentences":[{"text":"Now I can I can let you send that first if you want if you wanna focus on that?","start":1286.1,"end":1290.8049,"sentiment":"neutral","sentiment_score":0.29782717792611374},{"text":"Alright.","start":1299.12,"end":1299.36,"sentiment":"positive","sentiment_score":0.3438725471496582},{"text":"I'll keep refreshing.","start":1299.36,"end":1300.34,"sentiment":"neutral","sentiment_score":0.33024083574612934},{"text":"Sometimes it takes a a few minutes, so I'll keep a lookout for that to come through.","start":1300.4,"end":1304.42,"sentiment":"neutral","sentiment_score":0.1795853012624909},{"text":"Yep.","start":1311.615,"end":1312.115,"sentiment":"neutral","sentiment_score":0.019320642575621605}],"sentiment":"neutral","sentiment_score":0.24550200485419937,"num_words":41,"start":1286.1,"end":1312.115},{"sentences":[{"text":"Yeah.","start":1316.895,"end":1317.395,"sentiment":"neutral","sentiment_score":0.030313566327095032},{"text":"Yeah.","start":1318.175,"end":1318.675,"sentiment":"neutral","sentiment_score":0.0007728645578026772},{"text":"No.","start":1318.895,"end":1319.295,"sentiment":"neutral","sentiment_score":-0.16746090352535248},{"text":"That'll be fine.","start":1319.295,"end":1320.275,"sentiment":"neutral","sentiment_score":-0.12728567173083624},{"text":"Now with the email as well, have a look at your spam because it could end up there because we have just changed software.","start":1321.935,"end":1329.21,"sentiment":"neutral","sentiment_score":-0.20563873276114464}],"sentiment":"neutral","sentiment_score":-0.18178536913668117,"num_words":30,"start":1316.895,"end":1329.21},{"sentences":[{"text":"So if it's the first first time through the new software, it may recognize it as a spam email, but it should say directly from me.","start":1329.4299,"end":1337.45,"sentiment":"neutral","sentiment_score":-0.13020256878091738},{"text":"Nothing yet?","start":1350.965,"end":1351.865,"sentiment":"neutral","sentiment_score":-0.04878219962120056},{"text":"Oh.","start":1357.4299,"end":1357.9299,"sentiment":"neutral","sentiment_score":0.027914470061659813},{"text":"Oh.","start":1358.23,"end":1358.73,"sentiment":"neutral","sentiment_score":0.1061561182141304},{"text":"Oh, well, that's good.","start":1358.87,"end":1360.0099,"sentiment":"positive","sentiment_score":0.35551179200410843}],"sentiment":"neutral","sentiment_score":-0.05666804209570674,"num_words":34,"start":1329.4299,"end":1360.0099},{"sentences":[{"text":"Now it will say click here to sign sign documents or signature request, but it will allow you so when you click on it, it's not gonna ask you to sign right away.","start":1361.5099,"end":1371.915,"sentiment":"neutral","sentiment_score":0.11828586933287707},{"text":"It will allow you to open up and view everything first just to make sure you're happy before it prompts you to sign.","start":1372.135,"end":1378.555,"sentiment":"neutral","sentiment_score":0.2534579848465712},{"text":"And then it yep.","start":1383.59,"end":1385.5099,"sentiment":"neutral","sentiment_score":0.0755498455837369},{"text":"So it should open.","start":1385.5099,"end":1386.3899,"sentiment":"neutral","sentiment_score":0.1560170128941536},{"text":"There should be a couple of documents.","start":1386.3899,"end":1387.7699,"sentiment":"neutral","sentiment_score":0.10841526663196939}],"sentiment":"neutral","sentiment_score":0.16081889633509056,"num_words":71,"start":1361.5099,"end":1387.7699},{"sentences":[{"text":"The first one you should see is the one where it says super and insurance summary.","start":1387.83,"end":1392.4099,"sentiment":"neutral","sentiment_score":0.030833120923489332},{"text":"Can you see that one?","start":1392.47,"end":1393.61,"sentiment":"neutral","sentiment_score":0.028628310188651085},{"text":"Yes.","start":1394.745,"end":1395.145,"sentiment":"neutral","sentiment_score":0.15756985545158386},{"text":"Okay.","start":1395.145,"end":1395.545,"sentiment":"positive","sentiment_score":0.34893763065338135},{"text":"Perfect.","start":1395.545,"end":1396.045,"sentiment":"positive","sentiment_score":0.6096757650375366}],"sentiment":"neutral","sentiment_score":0.0730272807025661,"num_words":24,"start":1387.83,"end":1396.045},{"sentences":[{"text":"So this one here gives you a bit of a breakdown of your current situation.","start":1396.265,"end":1399.725,"sentiment":"neutral","sentiment_score":0.31125565866629284},{"text":"So you can see here that you have your super with hub twenty four, and you do have about $66,733 in there.","start":1400.025,"end":1408.89,"sentiment":"neutral","sentiment_score":0.13151233744892207},{"text":"Now you can also see that underneath your insurances.","start":1410.49,"end":1414.35,"sentiment":"neutral","sentiment_score":0.04547991148299641},{"text":"So you can actually see here as well that the ascender is in front of you.","start":1414.73,"end":1420.1901,"sentiment":"neutral","sentiment_score":0.05172785674221814},{"text":"But I will check those emails when they come through as well just to see what that's about because that's strange because you're not paying for it out of pocket, and there's obviously enough money in Super, so that shouldn't be a decline.","start":1422.545,"end":1436.885,"sentiment":"neutral","sentiment_score":-0.06317911383717559}],"sentiment":"neutral","sentiment_score":0.05792732685804367,"num_words":105,"start":1396.265,"end":1436.885},{"sentences":[{"text":"So yeah.","start":1438.85,"end":1444.23,"sentiment":"neutral","sentiment_score":0.025190960615873337},{"text":"Okay.","start":1445.09,"end":1445.57,"sentiment":"neutral","sentiment_score":0.06153798848390579},{"text":"Well, I will yes.","start":1445.57,"end":1448.47,"sentiment":"neutral","sentiment_score":0.080777483060956},{"text":"I will send you an email once I have spoken to them, though, just so you confirmation.","start":1448.5299,"end":1452.445,"sentiment":"neutral","sentiment_score":0.057604811866493785},{"text":"They have they're closed in about five minutes, but I will give them a call tomorrow and follow-up just so you have confirmation on that and also why they're sending that to you because that seems strange.","start":1453.225,"end":1464.525,"sentiment":"neutral","sentiment_score":0.03179063713429747}],"sentiment":"neutral","sentiment_score":0.042468282256702905,"num_words":61,"start":1438.85,"end":1464.525},{"sentences":[{"text":"No worries.","start":1465.83,"end":1466.65,"sentiment":"neutral","sentiment_score":0.05319198779761791},{"text":"Now you have life and CPD.","start":1468.07,"end":1470.41,"sentiment":"neutral","sentiment_score":0.049134728188316025},{"text":"So you have about 262,500 if something were to happen.","start":1470.79,"end":1476.25,"sentiment":"neutral","sentiment_score":0.06324987784028054},{"text":"And then you also have an income and that will pay a monthly amount of 4,806 per month.","start":1476.55,"end":1485.065,"sentiment":"neutral","sentiment_score":0.08386448439624575},{"text":"And then you also have a thirty day waiting period, a five year benefit period.","start":1485.6849,"end":1491.065,"sentiment":"neutral","sentiment_score":0.14001654833555222}],"sentiment":"neutral","sentiment_score":0.09104902092732635,"num_words":51,"start":1465.83,"end":1491.065},{"sentences":[{"text":"And because it's paid from within super, you do get that 15% tax rebate.","start":1492.23,"end":1497.29,"sentiment":"neutral","sentiment_score":0.19472544640302658},{"text":"So the total premium is 6,275.","start":1497.43,"end":1501.4501,"sentiment":"neutral","sentiment_score":0.14346485088268915},{"text":"Now are you happy with that level of cover for your life, TPD, and income protection, or do you wanna make any changes, or do you think that's aligning?","start":1503.4451,"end":1512.105,"sentiment":"neutral","sentiment_score":0.2632454790431878},{"text":"Mhmm.","start":1515.365,"end":1515.865,"sentiment":"neutral","sentiment_score":0.027086367830634117},{"text":"Mhmm.","start":1517.6901,"end":1518.1901,"sentiment":"neutral","sentiment_score":0.0050146691501140594}],"sentiment":"neutral","sentiment_score":0.2206502996896412,"num_words":51,"start":1492.23,"end":1518.1901},{"sentences":[{"text":"Yes.","start":1521.2101,"end":1521.7101,"sentiment":"neutral","sentiment_score":0.28400808572769165},{"text":"Yes.","start":1526.81,"end":1527.31,"sentiment":"neutral","sentiment_score":0.14108078181743622},{"text":"It will change come claim time.","start":1529.5449,"end":1531.6449,"sentiment":"neutral","sentiment_score":0.052747455736001335},{"text":"So what you are covered for income protection is a little bit tricky.","start":1531.7849,"end":1534.985,"sentiment":"neutral","sentiment_score":-0.015168861127816714},{"text":"So how it works is at the time of claim, they will cover you for up to 70% of your income.","start":1534.985,"end":1544.15,"sentiment":"neutral","sentiment_score":0.09124732123953956}],"sentiment":"neutral","sentiment_score":0.05858505126975831,"num_words":42,"start":1521.2101,"end":1544.15},{"sentences":[{"text":"But what they also won't exceed, yeah, is what you are currently covered for.","start":1544.93,"end":1549.41,"sentiment":"neutral","sentiment_score":0.03542714911912169},{"text":"So if, for example, if I use the so, yeah, it's a bit sneaky that way that let me just see here.","start":1549.41,"end":1558.735,"sentiment":"neutral","sentiment_score":-0.042552391151812946},{"text":"So if your income is the 80,000, for example, that would mean that on a monthly basis, it's basically spot on.","start":1558.735,"end":1572.11,"sentiment":"neutral","sentiment_score":0.15148468865525155},{"text":"It's 4,666 per month if if we're doing the 70%.","start":1572.11,"end":1579.095,"sentiment":"neutral","sentiment_score":0.04440619088709354},{"text":"Now if, let's say, you have to go on claim in twelve months, and at the time, your income is a 120,000, they are not gonna pay you 70% of a 120,000.","start":1579.095,"end":1592.86,"sentiment":"neutral","sentiment_score":-0.04162378897308372}],"sentiment":"neutral","sentiment_score":0.018718248543639977,"num_words":99,"start":1544.93,"end":1592.86},{"sentences":[{"text":"They are only gonna pay you up to what you are insured for, which is 4,806.","start":1592.9199,"end":1599.58,"sentiment":"neutral","sentiment_score":0.03695931890979409},{"text":"Yep.","start":1601.32,"end":1601.82,"sentiment":"neutral","sentiment_score":0.09036627411842346},{"text":"Correct.","start":1602.6799,"end":1603.1799,"sentiment":"neutral","sentiment_score":0.10829939693212508},{"text":"Now the flip side, though, is let's say you have to go and claim on twelve months, and at the time, your income is 30,000.","start":1603.48,"end":1612.005,"sentiment":"neutral","sentiment_score":-0.05298658043146134},{"text":"They are only going to pay you 70% of your income, which will be 70% of 30 even though you are paying for more.","start":1612.7051,"end":1621.6599,"sentiment":"neutral","sentiment_score":-0.06860197770098846}],"sentiment":"neutral","sentiment_score":-0.03255368958213436,"num_words":67,"start":1592.9199,"end":1621.6599},{"sentences":[{"text":"Does that make sense?","start":1621.6599,"end":1622.88,"sentiment":"neutral","sentiment_score":-0.031409407034516335},{"text":"Yes.","start":1624.22,"end":1624.72,"sentiment":"neutral","sentiment_score":0.02069307677447796},{"text":"Yes.","start":1625.26,"end":1625.76,"sentiment":"neutral","sentiment_score":0.04281747341156006},{"text":"So if your income changes drastically, just let me know because we can always look to make changes.","start":1626.14,"end":1634.755,"sentiment":"neutral","sentiment_score":-0.040183052627576724},{"text":"Because it's also at the time of claim.","start":1635.455,"end":1637.775,"sentiment":"neutral","sentiment_score":-0.02323101880028844}],"sentiment":"neutral","sentiment_score":-0.03035219298908487,"num_words":32,"start":1621.6599,"end":1637.775},{"sentences":[{"text":"If, for example, you have one year where you earn a little bit less, but then you think the next year is gonna pick up and be back up, we would also be hesitant of reducing it.","start":1637.775,"end":1649.88,"sentiment":"neutral","sentiment_score":-0.18067376909626498},{"text":"Because by reducing it, it's super easy.","start":1650.0199,"end":1652.2599,"sentiment":"positive","sentiment_score":0.5056856913225991},{"text":"It's just a quick form.","start":1652.2599,"end":1653.38,"sentiment":"positive","sentiment_score":0.554141229391098},{"text":"Insurers are happy.","start":1653.38,"end":1654.1799,"sentiment":"positive","sentiment_score":0.617331882317861},{"text":"They take on less risk.","start":1654.1799,"end":1655.5599,"sentiment":"positive","sentiment_score":0.364793998003006}],"sentiment":"neutral","sentiment_score":0.05792179239685075,"num_words":57,"start":1637.775,"end":1655.5599},{"sentences":[{"text":"If you then let's say we reduce it to 3,000 a month, And then let's say six months later, things are going great.","start":1656.1799,"end":1663.865,"sentiment":"neutral","sentiment_score":0.2663604082620662},{"text":"You're earning more money and you go, I wanna offer to 6,000 a month.","start":1663.865,"end":1667.6449,"sentiment":"positive","sentiment_score":0.3613752637590681},{"text":"The insurance will be like, okay.","start":1667.945,"end":1669.625,"sentiment":"neutral","sentiment_score":0.11528325329224269},{"text":"Well, we need to reassess your risk, basically, and go through that whole insurance application again and seeing what they offer.","start":1669.625,"end":1677.71,"sentiment":"neutral","sentiment_score":0.10062635512579055},{"text":"So it's very easy to decrease.","start":1677.71,"end":1679.4099,"sentiment":"neutral","sentiment_score":0.05554193754990896}],"sentiment":"neutral","sentiment_score":0.2046235383621284,"num_words":70,"start":1656.1799,"end":1679.4099},{"sentences":[{"text":"It's harder to increase.","start":1679.47,"end":1681.09,"sentiment":"neutral","sentiment_score":-0.17624101787805557},{"text":"Yeah.","start":1682.35,"end":1682.85,"sentiment":"neutral","sentiment_score":0.02129530534148216},{"text":"Does that make sense?","start":1683.07,"end":1684.21,"sentiment":"neutral","sentiment_score":0.08837482426315546},{"text":"Yes.","start":1685.325,"end":1685.725,"sentiment":"neutral","sentiment_score":0.12711530923843384},{"text":"Perfect.","start":1685.725,"end":1686.125,"sentiment":"neutral","sentiment_score":0.25881603360176086}],"sentiment":"neutral","sentiment_score":0.0050692612474614925,"num_words":11,"start":1679.47,"end":1686.125},{"sentences":[{"text":"But good question, though, because it yes.","start":1686.125,"end":1689.005,"sentiment":"neutral","sentiment_score":0.10450066306761333},{"text":"Because it's pretty spot on of what you are kind of earning, so so that's good.","start":1689.005,"end":1693.1849,"sentiment":"neutral","sentiment_score":0.24286187626421452},{"text":"Yeah.","start":1695.085,"end":1695.585,"sentiment":"neutral","sentiment_score":0.052664704620838165},{"text":"Now you also have some other insurances with OnePath that you pay for out of pocket.","start":1695.645,"end":1700.625,"sentiment":"neutral","sentiment_score":0.1089810635894537},{"text":"Now you have life, total permanent disability, and trauma insurance, and that's all 213,431 for each of them.","start":1702.8099,"end":1714.35,"sentiment":"neutral","sentiment_score":0.11333979873193635}],"sentiment":"neutral","sentiment_score":0.14575470277461514,"num_words":58,"start":1686.125,"end":1714.35},{"sentences":[{"text":"Total premium is 566 per month.","start":1715.225,"end":1719.645,"sentiment":"neutral","sentiment_score":0.1104168916742007},{"text":"You're still happy with that cover as well?","start":1721.4651,"end":1723.645,"sentiment":"positive","sentiment_score":0.34450535103678703},{"text":"Yep.","start":1725.0651,"end":1725.5651,"sentiment":"neutral","sentiment_score":0.09543679654598236},{"text":"Yep.","start":1725.785,"end":1726.265,"sentiment":"neutral","sentiment_score":0.13394668698310852},{"text":"Great.","start":1726.265,"end":1726.765,"sentiment":"positive","sentiment_score":0.4253738224506378}],"sentiment":"neutral","sentiment_score":0.2396059684893664,"num_words":17,"start":1715.225,"end":1726.765},{"sentences":[{"text":"Perfect.","start":1726.8251,"end":1727.3251,"sentiment":"positive","sentiment_score":0.36292827129364014},{"text":"Now if you can press next for me, it should be a hub twenty four performance report.","start":1729.33,"end":1736.15,"sentiment":"neutral","sentiment_score":0.09698101352242862},{"text":"Can you see that one?","start":1736.21,"end":1737.1699,"sentiment":"neutral","sentiment_score":0.015819433517754077},{"text":"Uh-huh.","start":1737.1699,"end":1737.6699,"sentiment":"neutral","sentiment_score":0.004045129753649235},{"text":"Yep.","start":1737.97,"end":1738.47,"sentiment":"neutral","sentiment_score":0.009795065969228745}],"sentiment":"neutral","sentiment_score":0.08418171457946301,"num_words":25,"start":1726.8251,"end":1738.47},{"sentences":[{"text":"Now this one here sometimes can look a little bit messy because it's it basically breaks down all your individual investments, how they have performed, and what has happened in the last twelve months.","start":1738.77,"end":1752.095,"sentiment":"neutral","sentiment_score":-0.01717540213619085},{"text":"Now it shows everything in net of fees as well when it comes to that internal rate of return.","start":1752.475,"end":1758.23,"sentiment":"neutral","sentiment_score":0.014929499673215966},{"text":"So the percentage on the investment shows everything after fees after all fees.","start":1758.23,"end":1763.53,"sentiment":"neutral","sentiment_score":0.003490641569861999},{"text":"So, obviously, with the the market, I'm sure you would have heard or seen on the news, it's been a bit of a turbulent last twelve months.","start":1764.4701,"end":1771.655,"sentiment":"neutral","sentiment_score":-0.08189946551013876},{"text":"Obviously, everything in The US did see Trump and tariffs and everything.","start":1772.1951,"end":1776.275,"sentiment":"neutral","sentiment_score":-0.09117180846321087}],"sentiment":"neutral","sentiment_score":-0.03390735341679482,"num_words":105,"start":1738.77,"end":1776.275},{"sentences":[{"text":"You'd see a bit of fluctuations in the market.","start":1776.275,"end":1778.375,"sentiment":"neutral","sentiment_score":-0.15065711819463307},{"text":"And, obviously, more recently with the war as well, we have seen a bit of bit of turbulent in the market.","start":1778.8351,"end":1783.895,"sentiment":"neutral","sentiment_score":-0.18453740505945115},{"text":"Now in saying that, though, your portfolio is still doing pretty good despite the the fluctuation in turbulence we have had in the last twelve months.","start":1785.1499,"end":1794.5299,"sentiment":"neutral","sentiment_score":0.266533454736838},{"text":"So it's still gone up by about 5.17% after fees.","start":1795.5499,"end":1801.875,"sentiment":"positive","sentiment_score":0.4028762936592102},{"text":"Now there is one investment here that I would like to look at changing for you.","start":1803.2151,"end":1809.475,"sentiment":"neutral","sentiment_score":0.14050695346668363}],"sentiment":"neutral","sentiment_score":0.09726273713678849,"num_words":82,"start":1776.275,"end":1809.475},{"sentences":[{"text":"So if you have a look at the second column to the right where it says internal rate of return.","start":1809.78,"end":1816.18,"sentiment":"neutral","sentiment_score":0.05427868692204356},{"text":"Can you see that?","start":1816.18,"end":1817.24,"sentiment":"neutral","sentiment_score":0.03645452298223972},{"text":"Yeah.","start":1821.38,"end":1821.88,"sentiment":"neutral","sentiment_score":0.0322505347430706},{"text":"Sorry.","start":1821.9401,"end":1822.4401,"sentiment":"neutral","sentiment_score":-0.00456591509282589},{"text":"Yep.","start":1823.4951,"end":1823.9751,"sentiment":"neutral","sentiment_score":0.027933910489082336}],"sentiment":"neutral","sentiment_score":0.04766705038922804,"num_words":27,"start":1809.78,"end":1823.9751},{"sentences":[{"text":"Sorry.","start":1823.9751,"end":1824.295,"sentiment":"neutral","sentiment_score":0.005610795691609383},{"text":"Exactly.","start":1824.295,"end":1824.795,"sentiment":"neutral","sentiment_score":0.04984975978732109},{"text":"So, basically, the one that has the bracket next to it, which is just two of them.","start":1824.8551,"end":1829.5951,"sentiment":"neutral","sentiment_score":0.026268577860558733},{"text":"Yep.","start":1830.295,"end":1830.795,"sentiment":"neutral","sentiment_score":0.03725973516702652},{"text":"And then all the way says 21.02.","start":1830.935,"end":1834.155,"sentiment":"neutral","sentiment_score":0.022655544935592582}],"sentiment":"neutral","sentiment_score":0.02584721958609643,"num_words":27,"start":1823.9751,"end":1834.155},{"sentences":[{"text":"Yep.","start":1835.83,"end":1836.33,"sentiment":"neutral","sentiment_score":0.04033870995044708},{"text":"These two are down at the moment.","start":1836.47,"end":1839.13,"sentiment":"neutral","sentiment_score":-0.06025018436568124},{"text":"All the others are positive.","start":1839.59,"end":1841.5299,"sentiment":"neutral","sentiment_score":0.16111267805099488},{"text":"Now sometimes that happens with fluctuations, but also because way that your portfolio is constructed is that we want diversification.","start":1843.51,"end":1852.4349,"sentiment":"neutral","sentiment_score":0.06187691893428564},{"text":"So we wanna make sure that we're not betting everything on one market or one sector or one area.","start":1853.695,"end":1860.115,"sentiment":"neutral","sentiment_score":0.006324881589726398}],"sentiment":"neutral","sentiment_score":0.034266575741080135,"num_words":52,"start":1835.83,"end":1860.115},{"sentences":[{"text":"So there will be times where some investments are doing really good, others not as good, and they kind of even each other out, if that makes sense.","start":1860.415,"end":1868.96,"sentiment":"neutral","sentiment_score":0.043126862296568494},{"text":"Yep.","start":1870.46,"end":1870.96,"sentiment":"neutral","sentiment_score":-0.12350883334875108},{"text":"Exactly.","start":1872.78,"end":1873.28,"sentiment":"neutral","sentiment_score":0.036316633224487305},{"text":"At the same time, though, if we because we do a lot of research on the investments all the time and making sure that they're always going to be the best for you.","start":1873.66,"end":1881.645,"sentiment":"neutral","sentiment_score":0.07743936269120737},{"text":"And the investment committee do a lot of research.","start":1881.945,"end":1884.105,"sentiment":"neutral","sentiment_score":0.04706084976593653}],"sentiment":"neutral","sentiment_score":0.05693620223448508,"num_words":72,"start":1860.415,"end":1884.105},{"sentences":[{"text":"And if we foresee one investment underperforming a little bit and we don't foresee it coming back around again or as much or being the best option for you moving forward if things are always evolving.","start":1884.105,"end":1898.8201,"sentiment":"neutral","sentiment_score":-0.026366788790457778},{"text":"We wanna be proactive and look to make a change if need be.","start":1899.04,"end":1903.38,"sentiment":"neutral","sentiment_score":0.1756099067055262},{"text":"So, yeah, so with the top one, the one that says twenty one point zero two, this is the one that I would like to look at changing for you.","start":1904.24,"end":1914.285,"sentiment":"neutral","sentiment_score":0.09328717018167178},{"text":"Now this one here, it is a managed fund, and it's called Benelung Australian Equity.","start":1914.4249,"end":1920.525,"sentiment":"neutral","sentiment_score":0.12092761298020681},{"text":"How that one works is that they are kind of actively trying to buy and sell different investments in order to try to outperform the market.","start":1921.91,"end":1932.25,"sentiment":"neutral","sentiment_score":0.16264141207704177}],"sentiment":"neutral","sentiment_score":0.08479108670726418,"num_words":120,"start":1884.105,"end":1932.25},{"sentences":[{"text":"So they have been very successful in doing so, but, obviously, you're gonna have potentially a little bit more fluctuations because they're obviously doing that a bit more quickly, so a bit more of that kind of active management through the investments.","start":1933.67,"end":1947.335,"sentiment":"neutral","sentiment_score":0.13971152085633504},{"text":"They can be a little bit more expensive, so you wanna make sure that the performance outweighs the fees as well.","start":1948.1,"end":1954.2001,"sentiment":"neutral","sentiment_score":0.018288436922289077},{"text":"Because, otherwise, what's the point paying a little bit more for the active management if it's not outperforming?","start":1954.9,"end":1959.88,"sentiment":"neutral","sentiment_score":-0.15773630514740944},{"text":"So exactly.","start":1960.8201,"end":1962.465,"sentiment":"neutral","sentiment_score":-0.1685052067041397},{"text":"So exactly.","start":1962.5249,"end":1963.8049,"sentiment":"neutral","sentiment_score":-0.19847847521305084}],"sentiment":"neutral","sentiment_score":0.03151435523348696,"num_words":85,"start":1933.67,"end":1963.8049},{"sentences":[{"text":"So right now, it's it's kind of underperforming.","start":1963.8049,"end":1966.065,"sentiment":"neutral","sentiment_score":-0.30677953362464905},{"text":"And like I said, the investment committee have done a lot of research on it and don't think it's going to be the best option moving forward and that there are better options.","start":1966.365,"end":1975.2649,"sentiment":"neutral","sentiment_score":-0.24586534319501935},{"text":"So what we have, yeah, what we have found is an alternative, which is called BetaShares Australia two hundred.","start":1975.73,"end":1984.15,"sentiment":"neutral","sentiment_score":0.13085819310263583},{"text":"Now how this one is a bit different because if we are swapping an Australian investment, we also wanna make sure that we add another Australian investment to keep diversification because we don't want everything in The US or everything in emerging markets.","start":1985.41,"end":1999.145,"sentiment":"neutral","sentiment_score":0.0833953314915646},{"text":"We wanna keep the diversification and still give you some exposure to the Australian market.","start":1999.145,"end":2003.885,"sentiment":"neutral","sentiment_score":0.17632985015710195}],"sentiment":"neutral","sentiment_score":-0.015682541686346977,"num_words":118,"start":1963.8049,"end":2003.885},{"sentences":[{"text":"Just another option.","start":2004.185,"end":2005.645,"sentiment":"neutral","sentiment_score":0.0885581945379575},{"text":"So yeah.","start":2006.85,"end":2008.31,"sentiment":"neutral","sentiment_score":0.13486909493803978},{"text":"Exactly.","start":2010.61,"end":2011.11,"sentiment":"neutral","sentiment_score":0.09495853632688522},{"text":"So with the Betashares a 200, the way how that one is a little bit different to the Bennelong is that it invests in the 200 largest companies listed in Australia.","start":2011.41,"end":2023.535,"sentiment":"neutral","sentiment_score":0.10280345007777214},{"text":"So, obviously, very diversified because with that one single line, you'll basically have 200 companies.","start":2024.235,"end":2030.335,"sentiment":"neutral","sentiment_score":0.21812449693679808}],"sentiment":"neutral","sentiment_score":0.13632972531307203,"num_words":52,"start":2004.185,"end":2030.335},{"sentences":[{"text":"Now you will have all the big banks and BHP and Woolworths.","start":2032.48,"end":2036.74,"sentiment":"neutral","sentiment_score":0.0542547395452857},{"text":"So, again, very well established companies in Australia.","start":2036.96,"end":2040.42,"sentiment":"neutral","sentiment_score":0.23873261641710997},{"text":"What also happens is that when one company grow and get bigger, it gets added to the 200.","start":2041.2001,"end":2047.125,"sentiment":"neutral","sentiment_score":0.00529470294713974},{"text":"And if something gets smaller, it kind of falls out.","start":2047.4249,"end":2050.065,"sentiment":"neutral","sentiment_score":-0.05963737815618515},{"text":"So you're not going to have that kind of same yeah.","start":2050.065,"end":2053.845,"sentiment":"neutral","sentiment_score":0.031535692936317486}],"sentiment":"neutral","sentiment_score":0.040792225418075666,"num_words":59,"start":2032.48,"end":2053.845},{"sentences":[{"text":"Correct.","start":2059.025,"end":2059.525,"sentiment":"neutral","sentiment_score":0.022203249856829643},{"text":"100 percent.","start":2060.49,"end":2061.21,"sentiment":"neutral","sentiment_score":0.06270179711282253},{"text":"Exactly.","start":2061.21,"end":2061.71,"sentiment":"neutral","sentiment_score":0.08052786439657211},{"text":"Exactly.","start":2061.93,"end":2062.43,"sentiment":"neutral","sentiment_score":0.08109487593173981},{"text":"So because of that, that's obviously a little bit different type of investing.","start":2063.05,"end":2067.15,"sentiment":"neutral","sentiment_score":0.08627124732503524}],"sentiment":"neutral","sentiment_score":0.07948643331312472,"num_words":18,"start":2059.025,"end":2067.15},{"sentences":[{"text":"It's it's kind of similar to a lot of the other ones.","start":2067.29,"end":2069.87,"sentiment":"neutral","sentiment_score":0.1315776134530703},{"text":"It is a bit cheaper because you don't have to have the whole same of buying and selling quickly and face with that.","start":2070.57,"end":2077.195,"sentiment":"neutral","sentiment_score":0.19634385277395663},{"text":"So it kind of is a little bit smoother.","start":2077.195,"end":2079.2751,"sentiment":"neutral","sentiment_score":0.2217022544807858},{"text":"So it's a little bit cheaper, but it also has performed better than the vendor long investment for you.","start":2079.2751,"end":2084.975,"sentiment":"neutral","sentiment_score":0.2487892414394178},{"text":"Yep.","start":2087.13,"end":2087.63,"sentiment":"positive","sentiment_score":0.3893160223960877}],"sentiment":"neutral","sentiment_score":0.20635112305171788,"num_words":64,"start":2067.29,"end":2087.63},{"sentences":[{"text":"Beautiful.","start":2087.69,"end":2088.19,"sentiment":"positive","sentiment_score":0.5373008251190186},{"text":"So what I will do for you, just so that you have it, you don't have to sign it.","start":2088.3298,"end":2092.89,"sentiment":"neutral","sentiment_score":0.21022441865582214},{"text":"But what I will do is in the next couple of days, I will send you an email.","start":2092.89,"end":2097.3098,"sentiment":"neutral","sentiment_score":0.12941164440578884},{"text":"It is called a record of advice.","start":2097.53,"end":2099.8699,"sentiment":"neutral","sentiment_score":0.10762358243976321},{"text":"Basically, what it is, it is showing you the transaction change.","start":2101.085,"end":2104.365,"sentiment":"neutral","sentiment_score":0.1161407008767128}],"sentiment":"neutral","sentiment_score":0.15878369938582182,"num_words":56,"start":2087.69,"end":2104.365},{"sentences":[{"text":"So it is changing the for the a Betashares a 200, and that's it.","start":2104.365,"end":2109.1648,"sentiment":"neutral","sentiment_score":0.1296240740588733},{"text":"Just so that you have it in writing as well, that that's what we have done for you.","start":2109.1648,"end":2113.02,"sentiment":"neutral","sentiment_score":0.20394695715771782},{"text":"Yeah.","start":2114.46,"end":2114.96,"sentiment":"positive","sentiment_score":0.3787482976913452},{"text":"Perfect.","start":2115.18,"end":2115.68,"sentiment":"neutral","sentiment_score":0.32202309370040894},{"text":"No problem at all, Peter.","start":2115.82,"end":2117.28,"sentiment":"neutral","sentiment_score":0.2008115142583847}],"sentiment":"neutral","sentiment_score":0.1843746468806878,"num_words":39,"start":2104.365,"end":2117.28},{"sentences":[{"text":"Now if you can press next for me, can you yes.","start":2117.58,"end":2124.96,"sentiment":"neutral","sentiment_score":0.09570637277581474},{"text":"So this one here kind of refers back to our risk profiles, but it also gives us a good kind of overview of the market and what has happened in the world.","start":2125.02,"end":2135.125,"sentiment":"neutral","sentiment_score":0.13890807633288205},{"text":"Have you seen something like this before?","start":2135.125,"end":2136.905,"sentiment":"neutral","sentiment_score":0.04325495819960322},{"text":"Yeah.","start":2138.5652,"end":2138.965,"sentiment":"neutral","sentiment_score":0.09521609544754028},{"text":"Okay.","start":2138.965,"end":2139.365,"sentiment":"neutral","sentiment_score":0.17609667778015137}],"sentiment":"neutral","sentiment_score":0.1167678081502135,"num_words":52,"start":2117.58,"end":2139.365},{"sentences":[{"text":"Perfect.","start":2139.365,"end":2139.865,"sentiment":"neutral","sentiment_score":0.26734769344329834},{"text":"So, yeah, it basically shows you all the market trends from 1995 through to 2025.","start":2140.165,"end":2145.92,"sentiment":"neutral","sentiment_score":0.1759040340781212},{"text":"The new one should come out soon because they do publish it at the end of each financial year, so the new one should come out soon.","start":2146.46,"end":2152.48,"sentiment":"neutral","sentiment_score":0.19051822385302297},{"text":"And it also breaks down the different asset classes.","start":2152.7,"end":2155.44,"sentiment":"neutral","sentiment_score":0.06528594738079442},{"text":"Now when we talk about a growth profile, which is how you are currently invested, we see about 80% invested in what we call your growth assets.","start":2155.82,"end":2168.495,"sentiment":"neutral","sentiment_score":0.07985568777830512}],"sentiment":"neutral","sentiment_score":0.1366275613302294,"num_words":79,"start":2139.365,"end":2168.495},{"sentences":[{"text":"Now these are a combination of your top four listed here.","start":2168.715,"end":2173.57,"sentiment":"neutral","sentiment_score":0.09148767759854143},{"text":"So The US shares, which is, like, the light green line, your Australian shares, which is, like, your dark green line, international shares, which is your yellow, and then the the property, which is, like, your maroon color.","start":2173.57,"end":2187.465,"sentiment":"neutral","sentiment_score":0.08633015128342729},{"text":"So it's a combination of these.","start":2187.865,"end":2189.7852,"sentiment":"neutral","sentiment_score":0.12301828836401303},{"text":"So you can see here that these are the ones that grow the most, which is what we want when you still have plenty of time until retirement.","start":2189.7852,"end":2196.205,"sentiment":"neutral","sentiment_score":0.3154679478279182},{"text":"Yeah.","start":2197.5452,"end":2198.0452,"sentiment":"neutral","sentiment_score":0.1974916309118271}],"sentiment":"neutral","sentiment_score":0.16732873931704534,"num_words":84,"start":2168.715,"end":2198.0452},{"sentences":[{"text":"But at the same time, we wanna have some of that defensive element like you said.","start":2198.5051,"end":2202.425,"sentiment":"neutral","sentiment_score":0.18839754443615675},{"text":"You don't want high risk.","start":2202.425,"end":2203.59,"sentiment":"neutral","sentiment_score":-0.023426084220409392},{"text":"So it's also about 20 in those bottom three.","start":2203.59,"end":2208.4702,"sentiment":"neutral","sentiment_score":0.2180873536401325},{"text":"So that is, like, your defensive investment.","start":2208.4702,"end":2210.7302,"sentiment":"neutral","sentiment_score":0.21372327208518982},{"text":"So you can see that they don't grow as much.","start":2210.79,"end":2213.35,"sentiment":"neutral","sentiment_score":0.16753800809383393}],"sentiment":"neutral","sentiment_score":0.17088211613132598,"num_words":47,"start":2198.5051,"end":2213.35},{"sentences":[{"text":"They're a bit more stable.","start":2213.35,"end":2214.4702,"sentiment":"neutral","sentiment_score":0.1807694524526596},{"text":"They still grow, but a little bit more stable.","start":2214.4702,"end":2217.155,"sentiment":"neutral","sentiment_score":0.11971190240648058},{"text":"So it's kind of balancing out.","start":2217.155,"end":2219.335,"sentiment":"neutral","sentiment_score":0.04876776598393917},{"text":"Exactly.","start":2219.795,"end":2220.295,"sentiment":"neutral","sentiment_score":0.1342523992061615},{"text":"Now when we are also talking about a time frame, so making sure you have enough time for these kind of ups and downs, In a growth profile, ideally, we want to see at least six years until retirement.","start":2221.235,"end":2232.8198,"sentiment":"neutral","sentiment_score":0.08283551476704769}],"sentiment":"neutral","sentiment_score":0.093978307582438,"num_words":60,"start":2213.35,"end":2232.8198},{"sentences":[{"text":"And if you are planning on retiring at 65 or later, you still have more than that time until you retire.","start":2233.68,"end":2241.0598,"sentiment":"neutral","sentiment_score":0.17999519798017682},{"text":"So from a time frame, it is suitable for you where you are currently at if you are still happy happy with that.","start":2241.135,"end":2247.315,"sentiment":"neutral","sentiment_score":0.25144364717214},{"text":"Yeah.","start":2249.295,"end":2249.615,"sentiment":"neutral","sentiment_score":0.20203080773353577},{"text":"Okay.","start":2249.615,"end":2250.095,"sentiment":"neutral","sentiment_score":0.29585403203964233},{"text":"Perfect.","start":2250.095,"end":2250.595,"sentiment":"positive","sentiment_score":0.3565436601638794}],"sentiment":"neutral","sentiment_score":0.22164960728680833,"num_words":47,"start":2233.68,"end":2250.595},{"sentences":[{"text":"Now if you press next for me, which one do you have there?","start":2251.135,"end":2259.11,"sentiment":"neutral","sentiment_score":0.08053464241898976},{"text":"Is that one path or a sender?","start":2259.11,"end":2260.81,"sentiment":"neutral","sentiment_score":0.03473439466740404},{"text":"Yes.","start":2261.35,"end":2261.67,"sentiment":"neutral","sentiment_score":0.03179960697889328},{"text":"Is that for a sender or for one path?","start":2261.67,"end":2264.33,"sentiment":"neutral","sentiment_score":0.024236188373631902},{"text":"Is it same?","start":2265.67,"end":2266.545,"sentiment":"neutral","sentiment_score":0.016844176687300205}],"sentiment":"neutral","sentiment_score":0.04819845292491443,"num_words":33,"start":2251.135,"end":2266.545},{"sentences":[{"text":"A sender.","start":2266.7048,"end":2267.265,"sentiment":"neutral","sentiment_score":0.020406889729201794},{"text":"Yeah.","start":2267.265,"end":2267.765,"sentiment":"neutral","sentiment_score":0.07985533773899078},{"text":"So you will have it just basically breaks down your insurances again in a bit more detail.","start":2267.905,"end":2275.605,"sentiment":"neutral","sentiment_score":0.11213435890043483},{"text":"So let me see.","start":2276.385,"end":2279.265,"sentiment":"neutral","sentiment_score":0.09777000546455383},{"text":"Even from here, it looks like it's all been paid.","start":2279.265,"end":2281.9248,"sentiment":"neutral","sentiment_score":0.10424305014312267}],"sentiment":"neutral","sentiment_score":0.10177834534688908,"num_words":34,"start":2266.7048,"end":2281.9248},{"sentences":[{"text":"So yeah.","start":2283.2,"end":2285.68,"sentiment":"neutral","sentiment_score":0.12052245438098907},{"text":"It's the yeah.","start":2285.68,"end":2288.3198,"sentiment":"neutral","sentiment_score":0.11511870970328648},{"text":"Which because here here it even says through.","start":2288.3198,"end":2291.3599,"sentiment":"neutral","sentiment_score":0.15084250550717115},{"text":"So this is what's effective.","start":2291.3599,"end":2292.74,"sentiment":"neutral","sentiment_score":0.31150434613227845},{"text":"When did you get the email?","start":2292.7998,"end":2293.92,"sentiment":"neutral","sentiment_score":0.05377783626317978}],"sentiment":"neutral","sentiment_score":0.15305540959040323,"num_words":24,"start":2283.2,"end":2293.92},{"sentences":[{"text":"Sorry.","start":2293.92,"end":2294.16,"sentiment":"neutral","sentiment_score":-0.029131893068552017},{"text":"Do you remember when you got the first reminder?","start":2294.16,"end":2296.3398,"sentiment":"neutral","sentiment_score":-0.005209074252181583},{"text":"So they must have obviously realized it.","start":2302.595,"end":2305.075,"sentiment":"neutral","sentiment_score":0.030326796961682185},{"text":"I'll still triple check that for you.","start":2305.075,"end":2306.9348,"sentiment":"neutral","sentiment_score":0.10396387428045273},{"text":"But they must have realized it because if you look here, it says this letter confirms that your policy is current and active effective the 07/07/2020 '6.","start":2307.795,"end":2319.91,"sentiment":"neutral","sentiment_score":0.1483694894446267}],"sentiment":"neutral","sentiment_score":0.09549014416395449,"num_words":51,"start":2293.92,"end":2319.91},{"sentences":[{"text":"So they obviously issued this after.","start":2320.13,"end":2322.39,"sentiment":"neutral","sentiment_score":0.01923203282058239},{"text":"Now I still haven't got your email yet, but maybe it's my Internet or maybe does it say sent on your end?","start":2324.395,"end":2333.7751,"sentiment":"neutral","sentiment_score":-0.07685422609475526},{"text":"May maybe we'll do it after.","start":2337.05,"end":2338.57,"sentiment":"neutral","sentiment_score":-0.032642096591492496},{"text":"Maybe when we finish, we'll go back just just to make it easier.","start":2338.57,"end":2341.71,"sentiment":"neutral","sentiment_score":0.060532738239719316},{"text":"Yeah.","start":2344.41,"end":2344.89,"sentiment":"neutral","sentiment_score":0.16809377074241638}],"sentiment":"neutral","sentiment_score":-0.0170048747677356,"num_words":48,"start":2320.13,"end":2344.89},{"sentences":[{"text":"But here, it says this is effective.","start":2344.89,"end":2346.75,"sentiment":"neutral","sentiment_score":0.2371601355927331},{"text":"It's all paid, and it shows true that it's paid up until the 06/18/2027.","start":2346.81,"end":2351.865,"sentiment":"neutral","sentiment_score":0.17911953638706887},{"text":"So the signature is still active bill paid full.","start":2352.105,"end":2354.765,"sentiment":"neutral","sentiment_score":0.17366288602352142},{"text":"So a bit strange how you got that one.","start":2354.825,"end":2356.685,"sentiment":"neutral","sentiment_score":0.026486621962653265},{"text":"It could have been just an admin error on their end that they thought you were paying it, but I'll still follow-up and send you an email just to be safe.","start":2356.825,"end":2364.68,"sentiment":"neutral","sentiment_score":-0.05511359092328818}],"sentiment":"neutral","sentiment_score":0.06086598159745336,"num_words":70,"start":2344.89,"end":2364.68},{"sentences":[{"text":"But at least here, you got proof that it's paid and it's enforced.","start":2364.68,"end":2369.0999,"sentiment":"neutral","sentiment_score":0.11942176420528156},{"text":"Exactly.","start":2370.68,"end":2371.18,"sentiment":"neutral","sentiment_score":0.26621848344802856},{"text":"Now if you press next, you will have the same one for your one part policy.","start":2372.1199,"end":2375.8198,"sentiment":"neutral","sentiment_score":0.23403379693627357},{"text":"Again, just breaking down the insurances and shows you again that all paid and up to date.","start":2376.7349,"end":2383.535,"sentiment":"neutral","sentiment_score":0.2660389945787542},{"text":"So that one the next one should come out soon for you about the July 18.","start":2383.535,"end":2388.515,"sentiment":"neutral","sentiment_score":0.305080839432776}],"sentiment":"neutral","sentiment_score":0.2375745794898461,"num_words":63,"start":2364.68,"end":2388.515},{"sentences":[{"text":"That one is just a monthly.","start":2389.76,"end":2391.14,"sentiment":"neutral","sentiment_score":0.25775378942489624},{"text":"Now if you wanna press next for me, what can you see now?","start":2391.5999,"end":2395.3,"sentiment":"neutral","sentiment_score":0.10925988279856168},{"text":"Yep.","start":2397.68,"end":2398.18,"sentiment":"neutral","sentiment_score":0.0911680907011032},{"text":"Yep.","start":2398.4,"end":2398.9,"sentiment":"neutral","sentiment_score":0.08073635399341583},{"text":"So you probably have seen this before.","start":2399.04,"end":2401.38,"sentiment":"neutral","sentiment_score":0.07293624643768583}],"sentiment":"neutral","sentiment_score":0.13033426366746426,"num_words":28,"start":2389.76,"end":2401.38},{"sentences":[{"text":"It is one of those compliance documents.","start":2402.0,"end":2404.26,"sentiment":"neutral","sentiment_score":0.14313686958381108},{"text":"It does give you all the important information in regards to us here at Oakview.","start":2405.145,"end":2409.645,"sentiment":"neutral","sentiment_score":0.25287994345029197},{"text":"I'll let you have a read over in your own time because it's 22 pages, so I don't wanna keep you here all night.","start":2410.665,"end":2416.205,"sentiment":"neutral","sentiment_score":0.010714258067309856},{"text":"But it does give you all the important information.","start":2416.745,"end":2419.5,"sentiment":"neutral","sentiment_score":0.19294748289717567},{"text":"Now we've had a bit of a change to marketing, a bit of an extension to the team, which is great, but none of the important information has changed from the copy that you would have got last year.","start":2420.12,"end":2430.825,"sentiment":"neutral","sentiment_score":0.09802793128750263}],"sentiment":"neutral","sentiment_score":0.11289272445471997,"num_words":94,"start":2402.0,"end":2430.825},{"sentences":[{"text":"If you, while you are in here, want to scroll down, though, to page 10, you will actually see a photo of myself there.","start":2431.625,"end":2441.385,"sentiment":"neutral","sentiment_score":0.11078281312560041},{"text":"And sometimes it is nice to put a face to the voice when we're doing things over the phone.","start":2441.385,"end":2445.9648,"sentiment":"neutral","sentiment_score":0.10772516735290226},{"text":"Yeah.","start":2446.29,"end":2446.79,"sentiment":"neutral","sentiment_score":0.07711057364940643},{"text":"And I think I'm next to so I'm next to Dana, which is the the person you spoke to last time, I believe.","start":2447.49,"end":2453.59,"sentiment":"neutral","sentiment_score":0.04093962600049765},{"text":"Yeah.","start":2454.77,"end":2455.27,"sentiment":"neutral","sentiment_score":0.1220717877149582}],"sentiment":"neutral","sentiment_score":0.08597587432493181,"num_words":68,"start":2431.625,"end":2455.27},{"sentences":[{"text":"Perfect.","start":2455.57,"end":2456.07,"sentiment":"neutral","sentiment_score":0.245184063911438},{"text":"Yeah.","start":2456.45,"end":2456.95,"sentiment":"neutral","sentiment_score":0.1914607137441635},{"text":"Now if you press next for me, is that the one where it says hub twin yes.","start":2457.73,"end":2466.905,"sentiment":"neutral","sentiment_score":0.10847577715621275},{"text":"So this one here, it will ask you to add a little signature and date if you're happy to do so.","start":2467.205,"end":2472.425,"sentiment":"neutral","sentiment_score":0.19047139017354875},{"text":"Now what it is, it is just a compliance forms to say that we are keeping your tax fund number secure and safe on file.","start":2472.67,"end":2479.41,"sentiment":"neutral","sentiment_score":0.2728395390510559}],"sentiment":"neutral","sentiment_score":0.20156339475741752,"num_words":65,"start":2455.57,"end":2479.41},{"sentences":[{"text":"Yep.","start":2481.15,"end":2481.65,"sentiment":"neutral","sentiment_score":0.14468035101890564},{"text":"Yes.","start":2484.03,"end":2484.525,"sentiment":"neutral","sentiment_score":0.07889673858880997},{"text":"If you if you are happy to do so, then, yes, that would be good.","start":2486.6848,"end":2489.885,"sentiment":"neutral","sentiment_score":0.1082544781267643},{"text":"But if you prefer to do it later, that's also okay.","start":2489.885,"end":2492.2249,"sentiment":"neutral","sentiment_score":0.10001577978784387},{"text":"And then you should.","start":2495.4048,"end":2496.625,"sentiment":"neutral","sentiment_score":0.07382582686841488}],"sentiment":"neutral","sentiment_score":0.10133972333278507,"num_words":32,"start":2481.15,"end":2496.625},{"sentences":[{"text":"Yep.","start":2497.31,"end":2497.81,"sentiment":"neutral","sentiment_score":0.09544318914413452},{"text":"Yep.","start":2514.4448,"end":2514.9448,"sentiment":"neutral","sentiment_score":0.04877874255180359},{"text":"Now if you press next, does it say consent to ongoing fee arrangement?","start":2517.005,"end":2524.7048,"sentiment":"neutral","sentiment_score":0.016000669521207992},{"text":"Yes.","start":2531.43,"end":2531.93,"sentiment":"neutral","sentiment_score":0.08585837483406067},{"text":"Yes.","start":2535.19,"end":2535.69,"sentiment":"neutral","sentiment_score":0.09755472838878632}],"sentiment":"neutral","sentiment_score":0.03150845521732288,"num_words":17,"start":2497.31,"end":2535.69},{"sentences":[{"text":"Yes.","start":2536.07,"end":2536.57,"sentiment":"neutral","sentiment_score":0.0903804451227188},{"text":"Yes.","start":2540.965,"end":2541.465,"sentiment":"neutral","sentiment_score":0.03734337538480759},{"text":"Yes.","start":2544.165,"end":2544.665,"sentiment":"neutral","sentiment_score":0.041507136076688766},{"text":"Yes.","start":2551.14,"end":2551.46,"sentiment":"neutral","sentiment_score":0.04987526684999466},{"text":"Sometimes it does it automatically.","start":2551.46,"end":2552.84,"sentiment":"neutral","sentiment_score":0.0759238362312317}],"sentiment":"neutral","sentiment_score":0.06652504495448536,"num_words":9,"start":2536.07,"end":2552.84},{"sentences":[{"text":"It depends on, like, phone.","start":2553.06,"end":2556.1199,"sentiment":"neutral","sentiment_score":0.026710346713662146},{"text":"Yeah.","start":2557.22,"end":2557.72,"sentiment":"neutral","sentiment_score":0.028927776962518692},{"text":"No.","start":2564.0352,"end":2564.1152,"sentiment":"neutral","sentiment_score":-0.007414793595671654},{"text":"That's okay.","start":2564.1152,"end":2564.8552,"sentiment":"neutral","sentiment_score":0.006102080340497196},{"text":"Yep.","start":2569.7952,"end":2570.195,"sentiment":"neutral","sentiment_score":0.08804383873939514}],"sentiment":"neutral","sentiment_score":0.02553127163555473,"num_words":10,"start":2553.06,"end":2570.195},{"sentences":[{"text":"So this is the other one.","start":2570.195,"end":2571.3152,"sentiment":"neutral","sentiment_score":0.10135205710927646},{"text":"This is the last one that it will also ask you to sign if you're happy to do so.","start":2571.3152,"end":2576.0,"sentiment":"neutral","sentiment_score":0.09693441187080584},{"text":"Now what this one here is, it is a a ongoing service agreement.","start":2576.0,"end":2581.8599,"sentiment":"neutral","sentiment_score":0.13222638632242495},{"text":"So, basically, what it says is that you are happy to stay on as a client.","start":2582.0,"end":2586.42,"sentiment":"neutral","sentiment_score":0.21922476403415203},{"text":"Now the fee structure, it is not changing.","start":2587.04,"end":2589.875,"sentiment":"neutral","sentiment_score":0.1247488521039486}],"sentiment":"neutral","sentiment_score":0.13990961664145993,"num_words":62,"start":2570.195,"end":2589.875},{"sentences":[{"text":"It's not increasing.","start":2589.875,"end":2590.935,"sentiment":"neutral","sentiment_score":0.11854390799999237},{"text":"It stays exactly the same.","start":2590.995,"end":2592.855,"sentiment":"neutral","sentiment_score":0.2236803263425827},{"text":"Because both you and Sarah Jane are clients, you guys are on that reduced couple fee, which is lovely.","start":2593.475,"end":2600.935,"sentiment":"positive","sentiment_score":0.46692945768958644},{"text":"So that's 1.1 from super.","start":2601.6,"end":2603.9202,"sentiment":"neutral","sentiment_score":0.18119438588619233},{"text":"So it is not increasing or changing.","start":2603.9202,"end":2605.4402,"sentiment":"neutral","sentiment_score":0.047385813136185916}],"sentiment":"neutral","sentiment_score":0.29700937623587936,"num_words":39,"start":2589.875,"end":2605.4402},{"sentences":[{"text":"It is exactly the same.","start":2605.4402,"end":2607.2202,"sentiment":"neutral","sentiment_score":0.07736621350049973},{"text":"Now it is also not a lock in contract.","start":2607.76,"end":2610.6602,"sentiment":"neutral","sentiment_score":-0.034690725720591016},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":2611.12,"end":2616.1,"sentiment":"neutral","sentiment_score":-0.07720761994520824},{"text":"Signing this basically allows us to keep managing your account, your investments, and everything until next under review where you have to sign another one.","start":2617.005,"end":2625.7249,"sentiment":"neutral","sentiment_score":0.08292306900024414},{"text":"So every twelve months, you have to sign it in order for us to keep managing everything to make sure you are happy.","start":2625.7249,"end":2631.76,"sentiment":"neutral","sentiment_score":0.10918019906334255}],"sentiment":"neutral","sentiment_score":0.04086373350583017,"num_words":80,"start":2605.4402,"end":2631.76},{"sentences":[{"text":"But it is not a lock in contract, and the fee is deducted on a monthly basis.","start":2632.3,"end":2635.98,"sentiment":"neutral","sentiment_score":0.02968540623345796},{"text":"So it's not like you are committing to a full year either.","start":2635.98,"end":2638.64,"sentiment":"neutral","sentiment_score":0.0027692544584472976},{"text":"Yep.","start":2640.22,"end":2640.72,"sentiment":"neutral","sentiment_score":0.29981279373168945},{"text":"Perfect.","start":2641.1,"end":2641.6,"sentiment":"positive","sentiment_score":0.5621353387832642},{"text":"Now that was the last document.","start":2643.255,"end":2645.275,"sentiment":"neutral","sentiment_score":0.1311878760655721}],"sentiment":"neutral","sentiment_score":0.05910698238860916,"num_words":37,"start":2632.3,"end":2645.275},{"sentences":[{"text":"And yep.","start":2645.4949,"end":2646.135,"sentiment":"neutral","sentiment_score":0.1549152135848999},{"text":"Perfect.","start":2646.135,"end":2646.4548,"sentiment":"positive","sentiment_score":0.4271683692932129},{"text":"I can so that one came through right away.","start":2646.4548,"end":2648.635,"sentiment":"neutral","sentiment_score":0.27762694160143536},{"text":"If yeah.","start":2650.055,"end":2651.255,"sentiment":"neutral","sentiment_score":0.07983630336821079},{"text":"If you could go back to the other one.","start":2651.255,"end":2653.4348,"sentiment":"neutral","sentiment_score":-0.015412008182870017}],"sentiment":"neutral","sentiment_score":0.14159155669419662,"num_words":23,"start":2645.4949,"end":2653.4348},{"sentences":[{"text":"Yeah.","start":2654.91,"end":2655.41,"sentiment":"neutral","sentiment_score":0.016062960028648376},{"text":"Can you go into your sent one for me and see if it bounced back or whether it says it was sent?","start":2655.8699,"end":2663.49,"sentiment":"neutral","sentiment_score":0.004178669769316912},{"text":"Yeah.","start":2683.42,"end":2683.74,"sentiment":"neutral","sentiment_score":0.03950079530477524},{"text":"This one came through fast.","start":2683.74,"end":2684.8599,"sentiment":"neutral","sentiment_score":0.15728310793638228},{"text":"Sorry.","start":2684.8599,"end":2685.18,"sentiment":"neutral","sentiment_score":0.1936689466238022}],"sentiment":"neutral","sentiment_score":0.037585965885470314,"num_words":30,"start":2654.91,"end":2685.18},{"sentences":[{"text":"Internet must be good.","start":2685.18,"end":2686.48,"sentiment":"neutral","sentiment_score":0.31222275644540787},{"text":"You need my email address again?","start":2695.7551,"end":2697.455,"sentiment":"neutral","sentiment_score":-0.011651476689924797},{"text":"Yeah.","start":2705.8499,"end":2706.3499,"sentiment":"neutral","sentiment_score":-0.03603334724903107},{"text":"No.","start":2709.93,"end":2710.41,"sentiment":"neutral","sentiment_score":-0.13690248131752014},{"text":"No.","start":2710.41,"end":2710.65,"sentiment":"neutral","sentiment_score":-0.16195163130760193}],"sentiment":"neutral","sentiment_score":0.06493036198214842,"num_words":13,"start":2685.18,"end":2710.65},{"sentences":[{"text":"That's all good.","start":2710.65,"end":2711.63,"sentiment":"neutral","sentiment_score":0.07866966972748439},{"text":"Is there because how many attachments are there?","start":2726.745,"end":2729.0652,"sentiment":"neutral","sentiment_score":-0.030233872588723898},{"text":"Like, how many photos?","start":2729.0652,"end":2730.205,"sentiment":"neutral","sentiment_score":-0.029736078344285488},{"text":"That should be that should be fine.","start":2734.78,"end":2738.56,"sentiment":"neutral","sentiment_score":0.01633608021906444},{"text":"Even if you wanna send it, like you can do it after after we get off the phone.","start":2745.1948,"end":2749.755,"sentiment":"neutral","sentiment_score":-0.057053145642081894}],"sentiment":"neutral","sentiment_score":-0.025935258623212575,"num_words":40,"start":2710.65,"end":2749.755},{"sentences":[{"text":"That's okay.","start":2749.755,"end":2750.315,"sentiment":"neutral","sentiment_score":0.13029110431671143},{"text":"Even if you wanted to just send it in two emails, if it's like a a file limit, sometimes there is that you can only send, like, x amount of size even if you wanna do, like, the three photos and then just send me straight away another one, that three, or see how you go.","start":2750.315,"end":2766.79,"sentiment":"neutral","sentiment_score":0.028757807233237793},{"text":"I will keep a lookout for that email.","start":2767.57,"end":2769.83,"sentiment":"neutral","sentiment_score":0.28038994781672955},{"text":"And like I said, I will call Asana tomorrow just to kind of check-in, and I will respond just to make sure that's all good.","start":2771.4548,"end":2780.6748,"sentiment":"neutral","sentiment_score":0.23849591314792634},{"text":"If you keep having issues where it's not sending to my email, which is strange, You can even just send it through, like, info@oqfinancial.com.au, and then the team will forward that to me if for some reason you keep having issues.","start":2781.375,"end":2801.05,"sentiment":"neutral","sentiment_score":-0.053766770788082265}],"sentiment":"neutral","sentiment_score":0.059637115322843645,"num_words":132,"start":2749.755,"end":2801.05},{"sentences":[{"text":"Yeah.","start":2805.055,"end":2805.555,"sentiment":"neutral","sentiment_score":-0.0020167287439107895},{"text":"But I did receive the other one.","start":2806.415,"end":2807.855,"sentiment":"neutral","sentiment_score":0.03730194004518645},{"text":"So And it's it's v e r o n I k a?","start":2807.855,"end":2819.12,"sentiment":"neutral","sentiment_score":0.002367635691067941},{"text":"Maybe that's why.","start":2825.1802,"end":2826.24,"sentiment":"neutral","sentiment_score":-0.02081393077969551},{"text":"If you wanna start new, that's okay.","start":2833.085,"end":2835.1848,"sentiment":"neutral","sentiment_score":-0.00469671529052513}],"sentiment":"neutral","sentiment_score":0.006406322683081574,"num_words":30,"start":2805.055,"end":2835.1848},{"sentences":[{"text":"Yep.","start":2835.885,"end":2836.385,"sentiment":"neutral","sentiment_score":-0.006855463143438101},{"text":"Yeah.","start":2886.9202,"end":2887.4202,"sentiment":"neutral","sentiment_score":0.01088779792189598},{"text":"Maybe do you want me to read read out the aim the full email address just to be sure?","start":2893.0,"end":2897.5,"sentiment":"neutral","sentiment_score":-0.00954498860396837},{"text":"Yes.","start":2908.375,"end":2908.875,"sentiment":"neutral","sentiment_score":0.021646369248628616},{"text":"Yes.","start":2913.5898,"end":2914.0698,"sentiment":"neutral","sentiment_score":0.04758789017796517}],"sentiment":"neutral","sentiment_score":-0.004699486490015102,"num_words":23,"start":2835.885,"end":2914.0698},{"sentences":[{"text":"That's correct.","start":2914.0698,"end":2914.8098,"sentiment":"neutral","sentiment_score":0.09911970049142838},{"text":"Okay.","start":2921.8298,"end":2922.3298,"sentiment":"neutral","sentiment_score":-0.008620638400316238},{"text":"Okay.","start":2924.0051,"end":2924.5051,"sentiment":"neutral","sentiment_score":0.016628224402666092},{"text":"Yes.","start":2929.7651,"end":2930.2651,"sentiment":"neutral","sentiment_score":0.04156998544931412},{"text":"Yes.","start":2930.645,"end":2931.045,"sentiment":"neutral","sentiment_score":0.050611712038517}],"sentiment":"neutral","sentiment_score":0.04973811407883962,"num_words":6,"start":2914.0698,"end":2931.045},{"sentences":[{"text":"And then the team will forward that to me.","start":2931.045,"end":2933.065,"sentiment":"neutral","sentiment_score":0.06404063892033365},{"text":"Yes.","start":2933.125,"end":2933.5251,"sentiment":"neutral","sentiment_score":0.16894179582595825},{"text":"Perfect.","start":2933.5251,"end":2933.925,"sentiment":"positive","sentiment_score":0.5626193881034851},{"text":"That'll be great.","start":2933.925,"end":2934.485,"sentiment":"positive","sentiment_score":0.7461039423942566},{"text":"And I will get that, and I'll follow-up with that tomorrow for you.","start":2934.485,"end":2937.42,"sentiment":"neutral","sentiment_score":0.23709170520305634}],"sentiment":"neutral","sentiment_score":0.2454974418161092,"num_words":27,"start":2931.045,"end":2937.42},{"sentences":[{"text":"Yes.","start":2938.14,"end":2938.64,"sentiment":"neutral","sentiment_score":0.14879482984542847},{"text":"Yep.","start":2938.8599,"end":2939.26,"sentiment":"neutral","sentiment_score":0.21849600970745087},{"text":"Perfect.","start":2939.26,"end":2939.76,"sentiment":"positive","sentiment_score":0.49917688965797424},{"text":"Now also keep a lookout for that email with that record of advice that we'll send through to you, and we will also that process that notice of intent.","start":2940.8599,"end":2949.04,"sentiment":"neutral","sentiment_score":0.2171392779925774},{"text":"So once that's been processed with how many four, I'll the team to send you that confirmation, and then you can just forward that onto your accountant as well.","start":2949.0999,"end":2957.9248,"sentiment":"neutral","sentiment_score":0.17728821958961158}],"sentiment":"neutral","sentiment_score":0.20171910096875956,"num_words":61,"start":2938.14,"end":2957.9248},{"sentences":[{"text":"Yep.","start":2959.9849,"end":2960.4849,"sentiment":"positive","sentiment_score":0.38433313369750977},{"text":"Perfect.","start":2960.9448,"end":2961.4448,"sentiment":"positive","sentiment_score":0.7331874370574951},{"text":"Do you have any other questions for me, otherwise, before I let you go and enjoy your evening?","start":2961.505,"end":2966.005,"sentiment":"neutral","sentiment_score":0.2616356776820289},{"text":"No?","start":2968.0,"end":2968.5,"sentiment":"neutral","sentiment_score":-0.05704770982265472},{"text":"Yeah.","start":2968.88,"end":2969.38,"sentiment":"neutral","sentiment_score":0.0309162437915802}],"sentiment":"neutral","sentiment_score":0.2636741501363841,"num_words":22,"start":2959.9849,"end":2969.38},{"sentences":[{"text":"Yeah.","start":2970.96,"end":2971.46,"sentiment":"neutral","sentiment_score":0.02092129737138748},{"text":"Okay.","start":2971.76,"end":2972.26,"sentiment":"neutral","sentiment_score":0.056208670139312744},{"text":"Yeah.","start":2973.92,"end":2974.42,"sentiment":"neutral","sentiment_score":-0.006974445655941963},{"text":"Yeah.","start":2975.2,"end":2975.5999,"sentiment":"neutral","sentiment_score":0.17624938488006592},{"text":"Perfect.","start":2975.5999,"end":2976.0798,"sentiment":"positive","sentiment_score":0.6016193628311157}],"sentiment":"neutral","sentiment_score":0.16960485391318797,"num_words":5,"start":2970.96,"end":2976.0798},{"sentences":[{"text":"I'll still follow-up with you, though, just so you have it in writing just to be safe.","start":2976.0798,"end":2979.5999,"sentiment":"neutral","sentiment_score":0.2028480522772845},{"text":"But we have confirmation that's paid, so that's good.","start":2979.5999,"end":2982.455,"sentiment":"positive","sentiment_score":0.3380184421936671},{"text":"Must have been error.","start":2982.455,"end":2983.5952,"sentiment":"neutral","sentiment_score":-0.04111700505018234},{"text":"If there's anything else that you need, though, don't hesitate to give me a call or send me an email.","start":2984.215,"end":2989.2751,"sentiment":"neutral","sentiment_score":0.08194700665771962},{"text":"Mhmm.","start":2991.3289,"end":2991.409,"sentiment":"neutral","sentiment_score":0.23289939761161804}],"sentiment":"neutral","sentiment_score":0.1607442035102377,"num_words":51,"start":2976.0798,"end":2991.409},{"sentences":[{"text":"No problem at all.","start":2991.409,"end":2992.2888,"sentiment":"positive","sentiment_score":0.6538389921188354},{"text":"You enjoy the rest of your afternoon there, Rita.","start":2992.2888,"end":2994.4688,"sentiment":"positive","sentiment_score":0.7701088123851352},{"text":"Thanks.","start":2996.609,"end":2997.0889,"sentiment":"positive","sentiment_score":0.6909886002540588},{"text":"Bye.","start":2997.0889,"end":2997.5889,"sentiment":"positive","sentiment_score":0.35096675157546997}],"sentiment":"positive","sentiment_score":0.7058860421180725,"num_words":15,"start":2991.409,"end":2997.5889}]}}]},{"alternatives":[{"transcript":"Hi. Speaking. How are you? Good. Thank you. Finally finally get to chat. Speedy what? No. That's okay. That's fine. That's alright. Yeah. Yep. Yep. I'm I'm settled. The kettle's on. I'm just gonna pour a coffee and get into it. So yeah. Yep. That's fine. Yep. It's Peter James Holmes. 28th Of The 8 72. 17 Gairdner Lane, Mawson Lakes, South Australia 5 095. Yep. Pretty good. Yeah. We're just working on a custom deck. So, you know, just another another job, another build. So I I do brand as a big goal. So it's just one job to another. But, yeah, every job is different. So, yeah, I I love the challenge. It's good. And the weather's picked up for us here in South Australia. It's a bit sunny today. Still cold, but a bit sunny. So I'm not sure where you are, but it's a Yep. Alright. It was seven, yeah, this morning and quite foggy everywhere, which is a bit unusual. So, yeah, it was a bit of a cold one this morning, but it's come good. Yeah. Yep. Yep. No worries. Yeah. Just an update. I mean, nothing much has changed. But I do have one question because I've got a I've got a letter from a sender saying that I that I owe $7,382. So it's I'm okay if I if I do owe that, but I'm not sure if that was meant to be deducted out of the every account or whether I pay that separately. I thought it was set up and was gonna come out, but I didn't wanna pay it and then, you know, double pay it. I wanted to avoid that. So avoiding I'm doing the right thing, I'm happy to to pay it. It is yeah. That's what I thought. So yeah. It says you've missed the premium payment. So I think I've got a letter a couple of weeks ago, and I kind of overlooked it. And I've just got another one. I thought, shit. I knew you were calling, so I thought I'd I'd let leave it aside. And it goes here about it. So yeah. Yeah. Yeah. I can take a photo. It's it's a private copy. Yeah. Yep. Yeah. No worries. Yes. Perfect. Yes. I'll send that. Sorry. Yeah. Okay. Yeah. Yeah. Yep. I'll I'll do that as we speak, and then you can have a look at it. That was the only question I had. I am getting over a cold too, so excuse me if I cough and start a little bit. But I'm over the worst of it, but it's just hanging on. Yeah. Okay. Yep. Yes. Yep. Yeah. My my youngest is about 23. So yeah. Yep. Definitely. And she'll be here in a couple of minutes. She's on her way home, so she can help out if need be. Yep. Not at all. No. Exactly. Yeah. It's well, I don't pay myself. That's kinda what I am, but I think I I don't actually know this year. I'm estimating it's probably around a 100 that I've earned, so it's not oh, I guess it's what I what do you mean by when I pay myself? Because that's self employed. It's yeah. I I don't have a set amount, so it's and I'll never know what it is. I'll just take I'll just put money into my savings whenever I need it. I don't really take track of it. So I guess I'd could if that's what the history says, that would nothing's changed, so let's stick with that. Yeah. Yes. That's right. Yeah. I've been trying to do 12,000 a year, and I didn't do any last year. So my my goal is to do 18,000, like, this year and then 18,000 next year, but we also do wanna start making smaller, like, monthly amounts. So I'm gonna actually look into on that really soon. Yep. Yes. Yes. That's right. Yeah. Yeah. So I'll probably set up, like, a minimal monthly amount. And then from there, I'll kind of adjust it if I need to add more or less or adjust it. Well, I won't add less because I'll I'll I'll allow the minimum. So yeah. Is that necessary? Yes. Yeah. No. Yeah. Yep. Yes. Yeah. Yep. That makes sense, doesn't it? Yeah. Yes. Okay. Yeah. Yes. Okay. Yep. Okay. Yep. Right. Yeah. Yep. Yep. So it I think it's better. Yeah. Yep. Yeah. Do it. Yeah. Let's work for us. Yeah. No worries. Yes. No. I've got an account, and and I've actually just thought if if he normally does the the notice of intent. So what happens? Can it be done twice? I mean, obviously, you don't want to, but but if he would normally do it and just action it automatically? Or or the you go. I'm sorry. Right. Okay. He does he does have access. Yeah. He's got access to all that. So yeah. Do you want me to ask him or or or if he if he gets to it first and when he goes to do it, he'll see that it's done and then not bother or what? No. I haven't seen him. No. I haven't got an ex booking with him, so I'm not sure. But I can always email, and I'll contact him just randomly. So if you if I need to ask him something, I'm I'm happy to. Yep. Yes. Yep. Okay. Okay. Okay. Awesome. Yeah. I'll ask him. Yep. Yep. Alright. Alternatively, like like I said, if you just go ahead and do it, it can't be done twice, can it? So maybe no. Yeah. Yeah. Yeah. So maybe I would just go ahead and do it. Yeah. Sorry. Sorry for that confusion. Yep. Nine bars. Yes. Yes. Yep. Okay. Okay. Yep. Yep. Okay. No worries. Okay. Thank you very much. Yes. Is is that right? Yep. 300. Yep. Yeah. We're 2 90 5 now or something. Yeah. So it's around the mark. Yeah. 2 95 maybe. But yeah. We're changing. Yes. Yes. It's correct. It's correct. Yep. No. No. That's correct. Yep. Don't plan on taking it up. Nope. Nothing. I don't believe we do, actually. Sarah's home now. She'll confirm, but just give me a sec. It's one of these things we talk about and kinda let me get to it. We don't we don't have a will. No. We don't. Oh, it's on our list. It's on our list. So we don't currently have one, though. Like I said, Yeah. Yep. Yeah. It is. Yeah. It'd be nice to be calling up debt free without that, so that's yeah. Message. Yep. That's the my priority. Yeah. Yep. Yep. Okay. Okay. Okay. Yep. No. Look. That was probably just to put a number on it, so we'll stick with that. Yeah. I have no intentions. But yeah. Yeah. No. That's that's fine. Yeah. No. Probably moderate. But what level I have, I think I need to kinda preserve it rather than risk it. So yeah. Yeah. Yep. Probably be tempted to put a little bit more in. I mean, it's at an advantage to pay it off quicker while it's down. Yeah. No. Go with kind of just going with the flow like the second one. But, you know, it's gonna go up and down. So, yeah, you can just go to the. Yeah. Not gonna freak out. No. Definitely not. No. Yes. Yes. Definitely. Yep. I can and more depth. Yeah. No. That's good. I see. I'm in the middle of drafting to you regarding that picture. So as soon as I hit send, I'll oh, you haven't sent it yet, have you? You have? Okay. Alright. Right. Okay. I'll have a look. I'm just about to hit send on this. I've taken pictures of this letter from the sender. So I'll be just going to send that through to you now. So and then I'll I'll check out what you send me. Just done. There you go. You should receive that. Yeah. I've just taken the picture of every page, so I kinda just kept doubling up. So there's two pages in it. The first one is just the front page, and then as I've because it's about six pages there, so I'm just I'm just taking one kind of picture of two pages. So hopefully you can zoom in and make sure. Yep. Yep. Travel associates was my last one in this van. No. No. It doesn't. Oh, there we go. 401. Where is that? I just went to all miles, so it's not even in this van. Don't worry. Yep. So I've got it. Yep. Okay. Yep. Okay. Yep. I'm reading in. Yes. Yep. Yep. Yep. Yep. Yes. Yes. Yep. Yep. Yeah. Yeah. Just checking the policy number. It's the same number. So it's the same policy number on there. So it's yeah. Yeah. Anyway that's okay. I'll I'll leave that one with you. Yeah. Yep. Perfect. Thank you. Yep. Thank you. Yep. Yes. Yep. Lovely. Yep. It's just well, my only question is I mean, I'm happy with it all, but I've just got a random question. The 4,008 106 monthly, does that change as my income changes? Because the last few years, I've kind of been earning more since I've had, like, my son working with me. So does that figure change? Yep. Yep. Yep. Yep. Yep. Okay. Right. Alright. So this is the maximum. Okay. Yep. Yeah. Mhmm. Yeah. Yeah. It's crazy, isn't it? Yeah. Okay. Yeah. Okay. Yep. Yeah. Okay. Increase. Yeah. No worries. Okay. Thank you. It does. Yep. So we'll we'll leave it all at the end. Yeah. Exactly. Yeah. It's not just no way of changing. Yes. Yes. Yes. Yep. Yeah. Absolutely. Yeah. Yep. Done. Yeah. I got that. Yep. Yes. Yeah. Broad. Yep. Yep. Yeah. Yep. Yes. Yes. Yes. Yep. Okay. Oh, yes. Yep. Nine two. Yep. 70 10. Yeah. Yeah. Right. Okay. Okay. Yeah. For sure. Yeah. Yeah. Yeah. Yeah. Not necessarily good with the bad. So yeah. Yep. Yes. That makes sense. Yep. Yep. Yep. Alright. Yes. Yes. For me. Exactly. Yeah. High risk. Lovely. Yep. Yep. Yes. Yeah. That makes sense. Yep. You've got a cup there's a couple of better ones in here at the moment. So edit yeah. Yes. Yep. Okay. So it's always good. Yes. Yeah. It it's obviously, you know, just to keep the top 200, not just any 200. Yeah. That makes sense? Yeah. Yep. Yeah. Perfect. Yeah. I'm happy with that. Yeah. Yep. Perfect. Thank you very much. Yep. Vanguard index card. Yes. Yep. Okay. Yes. Yep. Yep. Yeah. It looks so up and down. Yeah. Yep. Yep. Yep. Definitely. Yeah. Yep. Certificate of Parengson. Ascender. Yep. You can yeah. You should have that lighter if you want it just we can do a lighter It's a letter. It's dated the June 21. This letter was just dated. Yeah. Okay. Yeah. Yeah. Can I get out of where I am, or do not do I need to stay in here? Yeah. Yeah. Yeah. Yes. Yeah. Yep. I can always reach Linda. Yes. Perfect. Yeah. Yeah. Yep. I appreciate it. Expired. Yeah. That's all I did. So I'm covered. Yeah. Lovely. Yes. Got that one. Perfect. Lovely. IT services. God. No. No. That's all. Lovely. Thank you. Okay. There you are. Bye bye. Yeah. Alright. Yes. That's right. I remember her name. Yep. Perfect. Yep. Options to provide text phone number. Yes. Can you can you need me to sign that now, or you I'll just go through and sign them on the on now? Yeah. Yeah. Yeah. Yep. Yep. Click restart. Okay. Got it. So and then it will start. Okay. So oh, surely done. You just add that? Yeah. Oh, I've I've went to start signing. So I'm now on a page where it says adopt your signature, and then no clicks I can sign all as opposed to sign or cancel. So if I just click sign all. And the date, I need to put the date in. I'd had '15. Yeah. Yep. Sorry. Next document. Consent to new ongoing fee arrangement. Yep. Yep. Yeah. Okay. Yep. That makes sense. Okay. Lovely. Send it right. Yeah. That's cool. It took longer to actually verify than it did to come through. Yeah. Yep. Well, I'm on the notification. Sent. Oh, yeah. It didn't. It's not in my sandbox. Sorry. Now what happened? Yeah. It's on there. Oh, okay. It's it's a draft. So obviously, yeah, which is still. No. No. No. I've got that. It was still there. It just didn't send it. It's like a draft. So but the pictures, I'm not sure. I'm just gonna hit send as is so I can you don't need me to explain what's going on. Doesn't seem to it's just literally not sending, which is weird. I've had this before. One, two, three, four, five, six. And the pictures are kind of weird, but it's okay. Yeah. It's yeah. Yep. Okay. Yep. Okay. I'm just running it down. Yeah. Yeah. What if I I mean, the email address is rob, monica, yeah, at vogue view. Oh, hang on. I'm just yeah. I'm missing the e in vogue view, so let me just apply it by. Okay. Hold on. One, let me edit it. Oh, look. I'm just gonna I'm just gonna start again. It's still not going through. Look. I've always attached photos. I do send quite a few, but it's it it's sending as a JPEG. It's a big, you reckon. The v e r o n I k a @oqfinancial.com.au. Yeah. It's it's not yeah. I don't think people with me, and I'll persist, and I'll yeah. Sarah's here. So if I have problems like I said, if this doesn't go through, I'll send it through to the info at Oakview Financial. I'll put attention Veronica. Yeah. Yeah. It is with a cat. Yeah. Yep. Lovely. No. I'm I'm all good. Just to send a letter with the only question. So, no, it's and it's paid for, and I'm I'm covered. So, yeah, I'm not worried about it anymore. Yeah. Yeah. Thank you. Yeah. Yep. Appreciate your time. You too, Veronica. Thank you. Okay. 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Speaking. How are you? Good. Thank you.\n\nFinally finally get to chat. Speedy what? No. That's okay. That's fine.\n\nThat's alright. Yeah. Yep. Yep. I'm I'm settled.\n\nThe kettle's on. I'm just gonna pour a coffee and get into it. So yeah. Yep. That's fine.\n\nYep. It's Peter James Holmes. 28th Of The 8 72. 17 Gairdner Lane, Mawson Lakes, South Australia 5 095. Yep.\n\nPretty good. Yeah. We're just working on a custom deck. So, you know, just another another job, another build. So I I do brand as a big goal.\n\nSo it's just one job to another. But, yeah, every job is different. So, yeah, I I love the challenge. It's good. And the weather's picked up for us here in South Australia.\n\nIt's a bit sunny today. Still cold, but a bit sunny. So I'm not sure where you are, but it's a Yep. Alright. It was seven, yeah, this morning and quite foggy everywhere, which is a bit unusual.\n\nSo, yeah, it was a bit of a cold one this morning, but it's come good. Yeah. Yep. Yep. No worries.\n\nYeah. Just an update. I mean, nothing much has changed. But I do have one question because I've got a I've got a letter from a sender saying that I that I owe $7,382. So it's I'm okay if I if I do owe that, but I'm not sure if that was meant to be deducted out of the every account or whether I pay that separately.\n\nI thought it was set up and was gonna come out, but I didn't wanna pay it and then, you know, double pay it. I wanted to avoid that. So avoiding I'm doing the right thing, I'm happy to to pay it. It is yeah. That's what I thought.\n\nSo yeah. It says you've missed the premium payment. So I think I've got a letter a couple of weeks ago, and I kind of overlooked it. And I've just got another one. I thought, shit.\n\nI knew you were calling, so I thought I'd I'd let leave it aside. And it goes here about it. So yeah. Yeah. Yeah.\n\nI can take a photo. It's it's a private copy. Yeah. Yep. Yeah.\n\nNo worries. Yes. Perfect. Yes. I'll send that.\n\nSorry. Yeah. Okay. Yeah. Yeah.\n\nYep. I'll I'll do that as we speak, and then you can have a look at it. That was the only question I had. I am getting over a cold too, so excuse me if I cough and start a little bit. But I'm over the worst of it, but it's just hanging on.\n\nYeah. Okay. Yep. Yes. Yep.\n\nYeah. My my youngest is about 23. So yeah. Yep. Definitely.\n\nAnd she'll be here in a couple of minutes. She's on her way home, so she can help out if need be. Yep. Not at all. No.\n\nExactly. Yeah. It's well, I don't pay myself. That's kinda what I am, but I think I I don't actually know this year. I'm estimating it's probably around a 100 that I've earned, so it's not oh, I guess it's what I what do you mean by when I pay myself?\n\nBecause that's self employed. It's yeah. I I don't have a set amount, so it's and I'll never know what it is. I'll just take I'll just put money into my savings whenever I need it. I don't really take track of it.\n\nSo I guess I'd could if that's what the history says, that would nothing's changed, so let's stick with that. Yeah. Yes. That's right. Yeah.\n\nI've been trying to do 12,000 a year, and I didn't do any last year. So my my goal is to do 18,000, like, this year and then 18,000 next year, but we also do wanna start making smaller, like, monthly amounts. So I'm gonna actually look into on that really soon. Yep. Yes.\n\nYes. That's right. Yeah. Yeah. So I'll probably set up, like, a minimal monthly amount.\n\nAnd then from there, I'll kind of adjust it if I need to add more or less or adjust it. Well, I won't add less because I'll I'll I'll allow the minimum. So yeah. Is that necessary? Yes.\n\nYeah. No. Yeah. Yep. Yes.\n\nYeah. Yep. That makes sense, doesn't it? Yeah. Yes.\n\nOkay. Yeah. Yes. Okay. Yep.\n\nOkay. Yep. Right. Yeah. Yep.\n\nYep. So it I think it's better. Yeah. Yep. Yeah.\n\nDo it. Yeah. Let's work for us. Yeah. No worries.\n\nYes. No. I've got an account, and and I've actually just thought if if he normally does the the notice of intent. So what happens? Can it be done twice?\n\nI mean, obviously, you don't want to, but but if he would normally do it and just action it automatically? Or or the you go. I'm sorry. Right. Okay.\n\nHe does he does have access. Yeah. He's got access to all that. So yeah. Do you want me to ask him or or or if he if he gets to it first and when he goes to do it, he'll see that it's done and then not bother or what?\n\nNo. I haven't seen him. No. I haven't got an ex booking with him, so I'm not sure. But I can always email, and I'll contact him just randomly.\n\nSo if you if I need to ask him something, I'm I'm happy to. Yep. Yes. Yep. Okay.\n\nOkay. Okay. Awesome. Yeah. I'll ask him.\n\nYep. Yep. Alright. Alternatively, like like I said, if you just go ahead and do it, it can't be done twice, can it? So maybe no.\n\nYeah. Yeah. Yeah. So maybe I would just go ahead and do it. Yeah.\n\nSorry. Sorry for that confusion. Yep. Nine bars. Yes.\n\nYes. Yep. Okay. Okay. Yep.\n\nYep. Okay. No worries. Okay. Thank you very much.\n\nYes. Is is that right? Yep. 300. Yep.\n\nYeah. We're 2 90 5 now or something. Yeah. So it's around the mark. Yeah.\n\n2 95 maybe. But yeah. We're changing. Yes. Yes.\n\nIt's correct. It's correct. Yep. No. No.\n\nThat's correct. Yep. Don't plan on taking it up. Nope. Nothing.\n\nI don't believe we do, actually. Sarah's home now. She'll confirm, but just give me a sec. It's one of these things we talk about and kinda let me get to it. We don't we don't have a will.\n\nNo. We don't. Oh, it's on our list. It's on our list. So we don't currently have one, though.\n\nLike I said, Yeah. Yep. Yeah. It is. Yeah.\n\nIt'd be nice to be calling up debt free without that, so that's yeah. Message. Yep. That's the my priority. Yeah.\n\nYep. Yep. Okay. Okay. Okay.\n\nYep. No. Look. That was probably just to put a number on it, so we'll stick with that. Yeah.\n\nI have no intentions. But yeah. Yeah. No. That's that's fine.\n\nYeah. No. Probably moderate. But what level I have, I think I need to kinda preserve it rather than risk it. So yeah.\n\nYeah. Yep. Probably be tempted to put a little bit more in. I mean, it's at an advantage to pay it off quicker while it's down. Yeah.\n\nNo. Go with kind of just going with the flow like the second one. But, you know, it's gonna go up and down. So, yeah, you can just go to the. Yeah.\n\nNot gonna freak out. No. Definitely not. No. Yes.\n\nYes. Definitely. Yep. I can and more depth. Yeah.\n\nNo. That's good. I see. I'm in the middle of drafting to you regarding that picture. So as soon as I hit send, I'll oh, you haven't sent it yet, have you?\n\nYou have? Okay. Alright. Right. Okay.\n\nI'll have a look. I'm just about to hit send on this. I've taken pictures of this letter from the sender. So I'll be just going to send that through to you now. So and then I'll I'll check out what you send me.\n\nJust done. There you go. You should receive that. Yeah. I've just taken the picture of every page, so I kinda just kept doubling up.\n\nSo there's two pages in it. The first one is just the front page, and then as I've because it's about six pages there, so I'm just I'm just taking one kind of picture of two pages. So hopefully you can zoom in and make sure. Yep. Yep.\n\nTravel associates was my last one in this van. No. No. It doesn't. Oh, there we go.\n\n401. Where is that? I just went to all miles, so it's not even in this van. Don't worry. Yep.\n\nSo I've got it. Yep. Okay. Yep. Okay.\n\nYep. I'm reading in. Yes. Yep. Yep.\n\nYep. Yep. Yes. Yes. Yep.\n\nYep. Yeah. Yeah. Just checking the policy number. It's the same number.\n\nSo it's the same policy number on there. So it's yeah. Yeah. Anyway that's okay. I'll I'll leave that one with you.\n\nYeah. Yep. Perfect. Thank you. Yep.\n\nThank you. Yep. Yes. Yep. Lovely.\n\nYep. It's just well, my only question is I mean, I'm happy with it all, but I've just got a random question. The 4,008 106 monthly, does that change as my income changes? Because the last few years, I've kind of been earning more since I've had, like, my son working with me. So does that figure change?\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Right. Alright. So this is the maximum. Okay.\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nIt's crazy, isn't it? Yeah. Okay. Yeah. Okay.\n\nYep. Yeah. Okay. Increase. Yeah.\n\nNo worries. Okay. Thank you. It does. Yep.\n\nSo we'll we'll leave it all at the end. Yeah. Exactly. Yeah. It's not just no way of changing.\n\nYes. Yes. Yes. Yep. Yeah.\n\nAbsolutely. Yeah. Yep. Done. Yeah.\n\nI got that. Yep. Yes. Yeah. Broad.\n\nYep. Yep. Yeah. Yep. Yes.\n\nYes. Yes. Yep. Okay. Oh, yes.\n\nYep. Nine two. Yep. 70 10. Yeah.\n\nYeah. Right. Okay. Okay. Yeah.\n\nFor sure. Yeah. Yeah. Yeah. Yeah.\n\nNot necessarily good with the bad. So yeah. Yep. Yes. That makes sense.\n\nYep. Yep. Yep. Alright. Yes.\n\nYes. For me. Exactly. Yeah. High risk.\n\nLovely. Yep. Yep. Yes. Yeah.\n\nThat makes sense. Yep. You've got a cup there's a couple of better ones in here at the moment. So edit yeah. Yes.\n\nYep. Okay. So it's always good. Yes. Yeah.\n\nIt it's obviously, you know, just to keep the top 200, not just any 200. Yeah. That makes sense? Yeah. Yep.\n\nYeah. Perfect. Yeah. I'm happy with that. Yeah.\n\nYep. Perfect. Thank you very much. Yep. Vanguard index card.\n\nYes. Yep. Okay. Yes. Yep.\n\nYep. Yeah. It looks so up and down. Yeah. Yep.\n\nYep. Yep. Definitely. Yeah. Yep.\n\nCertificate of Parengson. Ascender. Yep. You can yeah. You should have that lighter if you want it just we can do a lighter It's a letter.\n\nIt's dated the June 21. This letter was just dated. Yeah. Okay. Yeah.\n\nYeah. Can I get out of where I am, or do not do I need to stay in here? Yeah. Yeah. Yeah.\n\nYes. Yeah. Yep. I can always reach Linda. Yes.\n\nPerfect. Yeah. Yeah. Yep. I appreciate it.\n\nExpired. Yeah. That's all I did. So I'm covered. Yeah.\n\nLovely. Yes. Got that one. Perfect. Lovely.\n\nIT services. God. No. No. That's all.\n\nLovely. Thank you. Okay. There you are. Bye bye.\n\nYeah. Alright. Yes. That's right. I remember her name.\n\nYep. Perfect. Yep. Options to provide text phone number. Yes.\n\nCan you can you need me to sign that now, or you I'll just go through and sign them on the on now? Yeah. Yeah. Yeah. Yep.\n\nYep. Click restart. Okay. Got it. So and then it will start.\n\nOkay. So oh, surely done. You just add that? Yeah. Oh, I've I've went to start signing.\n\nSo I'm now on a page where it says adopt your signature, and then no clicks I can sign all as opposed to sign or cancel. So if I just click sign all. And the date, I need to put the date in. I'd had '15. Yeah.\n\nYep. Sorry. Next document. Consent to new ongoing fee arrangement. Yep.\n\nYep. Yeah. Okay. Yep. That makes sense.\n\nOkay. Lovely. Send it right. Yeah. That's cool.\n\nIt took longer to actually verify than it did to come through. Yeah. Yep. Well, I'm on the notification. Sent.\n\nOh, yeah. It didn't. It's not in my sandbox. Sorry. Now what happened?\n\nYeah. It's on there. Oh, okay. It's it's a draft. So obviously, yeah, which is still.\n\nNo. No. No. I've got that. It was still there.\n\nIt just didn't send it. It's like a draft. So but the pictures, I'm not sure. I'm just gonna hit send as is so I can you don't need me to explain what's going on. Doesn't seem to it's just literally not sending, which is weird.\n\nI've had this before. One, two, three, four, five, six. And the pictures are kind of weird, but it's okay. Yeah. It's yeah.\n\nYep. Okay. Yep. Okay. I'm just running it down.\n\nYeah. Yeah. What if I I mean, the email address is rob, monica, yeah, at vogue view. Oh, hang on. I'm just yeah.\n\nI'm missing the e in vogue view, so let me just apply it by. Okay. Hold on. One, let me edit it. Oh, look.\n\nI'm just gonna I'm just gonna start again. It's still not going through. Look. I've always attached photos. I do send quite a few, but it's it it's sending as a JPEG.\n\nIt's a big, you reckon. The v e r o n I k a @oqfinancial.com.au. Yeah. It's it's not yeah. I don't think people with me, and I'll persist, and I'll yeah.\n\nSarah's here. So if I have problems like I said, if this doesn't go through, I'll send it through to the info at Oakview Financial. I'll put attention Veronica. Yeah. Yeah.\n\nIt is with a cat. Yeah. Yep. Lovely. No.\n\nI'm I'm all good. Just to send a letter with the only question. So, no, it's and it's paid for, and I'm I'm covered. So, yeah, I'm not worried about it anymore. Yeah.\n\nYeah. Thank you. Yeah. Yep. Appreciate your time.\n\nYou too, Veronica. Thank you. Okay. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.32,"sentiment":"neutral","sentiment_score":0.06401742994785309},{"text":"Speaking.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.05825275927782059},{"text":"How are you?","start":0.96,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.11495349556207655},{"text":"Good.","start":6.0,"end":6.24,"sentiment":"positive","sentiment_score":0.4900782704353333},{"text":"Thank you.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5917291343212128}],"sentiment":"neutral","sentiment_score":0.26758340187370777,"num_words":8,"start":0.08,"end":6.8799996},{"sentences":[{"text":"Finally finally get to chat.","start":6.8799996,"end":10.26,"sentiment":"neutral","sentiment_score":0.2892105758190155},{"text":"Speedy what?","start":12.095,"end":12.915,"sentiment":"neutral","sentiment_score":-0.09260398149490356},{"text":"No.","start":15.055,"end":15.455,"sentiment":"neutral","sentiment_score":-0.07223477959632874},{"text":"That's okay.","start":15.455,"end":16.355,"sentiment":"neutral","sentiment_score":-0.04853217862546444},{"text":"That's fine.","start":17.935001,"end":18.655,"sentiment":"neutral","sentiment_score":0.1224890351295471}],"sentiment":"neutral","sentiment_score":0.11137698745975892,"num_words":12,"start":6.8799996,"end":18.655},{"sentences":[{"text":"That's alright.","start":18.655,"end":19.395,"sentiment":"neutral","sentiment_score":0.11572816222906113},{"text":"Yeah.","start":21.535,"end":21.855,"sentiment":"neutral","sentiment_score":0.050976403057575226},{"text":"Yep.","start":21.855,"end":22.175,"sentiment":"neutral","sentiment_score":0.02297673188149929},{"text":"Yep.","start":22.175,"end":22.575,"sentiment":"neutral","sentiment_score":0.047031283378601074},{"text":"I'm I'm settled.","start":22.575,"end":23.455,"sentiment":"neutral","sentiment_score":0.07630482564369838}],"sentiment":"neutral","sentiment_score":0.07266940246336162,"num_words":8,"start":18.655,"end":23.455},{"sentences":[{"text":"The kettle's on.","start":23.455,"end":24.095001,"sentiment":"neutral","sentiment_score":0.08574788769086202},{"text":"I'm just gonna pour a coffee and get into it.","start":24.095001,"end":26.575,"sentiment":"neutral","sentiment_score":0.10989729389548301},{"text":"So yeah.","start":26.575,"end":27.21,"sentiment":"neutral","sentiment_score":0.12198443710803986},{"text":"Yep.","start":27.769999,"end":28.269999,"sentiment":"neutral","sentiment_score":0.27497825026512146},{"text":"That's fine.","start":37.53,"end":38.25,"sentiment":"neutral","sentiment_score":0.13686031848192215}],"sentiment":"neutral","sentiment_score":0.11938246463735898,"num_words":18,"start":23.455,"end":38.25},{"sentences":[{"text":"Yep.","start":38.25,"end":38.75,"sentiment":"neutral","sentiment_score":0.11676320433616638},{"text":"It's Peter James Holmes.","start":51.225,"end":52.585,"sentiment":"neutral","sentiment_score":0.017037163022905588},{"text":"28th Of The 8 72.","start":52.585,"end":54.524998,"sentiment":"neutral","sentiment_score":0.01731134094297886},{"text":"17 Gairdner Lane, Mawson Lakes, South Australia 5 095.","start":54.68,"end":59.899998,"sentiment":"neutral","sentiment_score":0.02362610637727711},{"text":"Yep.","start":63.159996,"end":63.399998,"sentiment":"neutral","sentiment_score":0.0944996327161789}],"sentiment":"neutral","sentiment_score":0.028930157562717794,"num_words":20,"start":38.25,"end":63.399998},{"sentences":[{"text":"Pretty good.","start":63.399998,"end":63.96,"sentiment":"neutral","sentiment_score":0.2541065588593483},{"text":"Yeah.","start":63.96,"end":64.119995,"sentiment":"neutral","sentiment_score":0.08230587840080261},{"text":"We're just working on a custom deck.","start":64.119995,"end":65.88,"sentiment":"neutral","sentiment_score":0.06242972293070385},{"text":"So, you know, just another another job, another build.","start":65.88,"end":68.994995,"sentiment":"neutral","sentiment_score":0.04945977984203233},{"text":"So I I do brand as a big goal.","start":68.994995,"end":70.515,"sentiment":"neutral","sentiment_score":0.1098885838356283}],"sentiment":"neutral","sentiment_score":0.08791651177619185,"num_words":28,"start":63.399998,"end":70.515},{"sentences":[{"text":"So it's just one job to another.","start":70.515,"end":71.715,"sentiment":"neutral","sentiment_score":0.0435900017619133},{"text":"But, yeah, every job is different.","start":71.715,"end":73.715,"sentiment":"neutral","sentiment_score":0.047650411104162536},{"text":"So, yeah, I I love the challenge.","start":73.715,"end":75.314995,"sentiment":"positive","sentiment_score":0.5202484003135136},{"text":"It's good.","start":75.314995,"end":75.975,"sentiment":"positive","sentiment_score":0.5318565368652344},{"text":"And the weather's picked up for us here in South Australia.","start":76.195,"end":78.674995,"sentiment":"neutral","sentiment_score":0.08177322217009285}],"sentiment":"neutral","sentiment_score":0.18775726662892284,"num_words":33,"start":70.515,"end":78.674995},{"sentences":[{"text":"It's a bit sunny today.","start":78.674995,"end":80.755,"sentiment":"neutral","sentiment_score":0.06874696910381317},{"text":"Still cold, but a bit sunny.","start":80.755,"end":81.875,"sentiment":"neutral","sentiment_score":-0.014750007539987564},{"text":"So I'm not sure where you are, but it's a Yep.","start":81.875,"end":87.119995,"sentiment":"neutral","sentiment_score":0.007439932743595405},{"text":"Alright.","start":90.78,"end":91.28,"sentiment":"neutral","sentiment_score":-0.05630993843078613},{"text":"It was seven, yeah, this morning and quite foggy everywhere, which is a bit unusual.","start":91.42,"end":95.259995,"sentiment":"neutral","sentiment_score":-0.18748339960972468}],"sentiment":"neutral","sentiment_score":-0.06661807558205175,"num_words":38,"start":78.674995,"end":95.259995},{"sentences":[{"text":"So, yeah, it was a bit of a cold one this morning, but it's come 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changed.","start":121.96,"end":123.24,"sentiment":"neutral","sentiment_score":0.03468163156261047},{"text":"But I do have one question because I've got a I've got a letter from a sender saying that I that I owe $7,382.","start":123.24,"end":132.935,"sentiment":"neutral","sentiment_score":-0.003192266604552666},{"text":"So it's I'm okay if I if I do owe that, but I'm not sure if that was meant to be deducted out of the every account or whether I pay that separately.","start":132.935,"end":141.41,"sentiment":"neutral","sentiment_score":-0.008083468303084373}],"sentiment":"neutral","sentiment_score":0.0002170364136126504,"num_words":67,"start":120.92,"end":141.41},{"sentences":[{"text":"I thought it was set up and was gonna come out, but I didn't wanna pay it and then, you know, double pay it.","start":145.07,"end":149.87001,"sentiment":"neutral","sentiment_score":-0.032632414562006794},{"text":"I wanted to avoid that.","start":149.87001,"end":150.91,"sentiment":"neutral","sentiment_score":-0.10306153297424317},{"text":"So avoiding I'm doing the right thing, I'm happy to to pay it.","start":150.91,"end":154.735,"sentiment":"neutral","sentiment_score":0.2787598944627322},{"text":"It is yeah.","start":167.92,"end":169.35999,"sentiment":"neutral","sentiment_score":0.04870418459177017},{"text":"That's what I thought.","start":169.35999,"end":170.5,"sentiment":"neutral","sentiment_score":0.03791520185768604}],"sentiment":"neutral","sentiment_score":0.053534007650248856,"num_words":49,"start":145.07,"end":170.5},{"sentences":[{"text":"So yeah.","start":171.12,"end":174.15999,"sentiment":"neutral","sentiment_score":-0.020444275811314583},{"text":"It says you've missed the premium payment.","start":174.15999,"end":176.09999,"sentiment":"neutral","sentiment_score":-0.09101824409195355},{"text":"So I think I've got a letter a couple of weeks ago, and I kind of overlooked 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yeah.","start":186.13,"end":186.955,"sentiment":"neutral","sentiment_score":0.021487349644303322},{"text":"Yeah.","start":191.015,"end":191.37,"sentiment":"neutral","sentiment_score":0.04776257276535034},{"text":"Yeah.","start":195.12999,"end":195.37,"sentiment":"neutral","sentiment_score":0.03404112905263901}],"sentiment":"neutral","sentiment_score":-0.09417822739730279,"num_words":24,"start":181.575,"end":195.37},{"sentences":[{"text":"I can take a photo.","start":195.37,"end":196.25,"sentiment":"neutral","sentiment_score":0.030584635213017464},{"text":"It's it's a private 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correct.","start":897.19,"end":897.91003,"sentiment":"neutral","sentiment_score":0.21552070975303653},{"text":"Yep.","start":897.91003,"end":898.41003,"sentiment":"neutral","sentiment_score":0.09755909442901611},{"text":"No.","start":902.95,"end":903.45,"sentiment":"neutral","sentiment_score":-0.1353631317615509},{"text":"No.","start":903.75,"end":904.25,"sentiment":"neutral","sentiment_score":-0.152374267578125}],"sentiment":"neutral","sentiment_score":0.06731692488704409,"num_words":7,"start":893.975,"end":904.25},{"sentences":[{"text":"That's correct.","start":911.84503,"end":912.565,"sentiment":"neutral","sentiment_score":0.16173603385686874},{"text":"Yep.","start":912.565,"end":913.04504,"sentiment":"neutral","sentiment_score":0.06931953132152557},{"text":"Don't plan on taking it 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missing the e in vogue view, so let me just apply it by.","start":2820.1301,"end":2823.99,"sentiment":"neutral","sentiment_score":-0.03721236251294613},{"text":"Okay.","start":2825.415,"end":2825.8152,"sentiment":"neutral","sentiment_score":-0.02530213817954063},{"text":"Hold on.","start":2825.8152,"end":2826.715,"sentiment":"neutral","sentiment_score":-0.012932425364851952},{"text":"One, let me edit it.","start":2829.0151,"end":2830.375,"sentiment":"neutral","sentiment_score":-0.0007363054901361465},{"text":"Oh, look.","start":2830.375,"end":2830.855,"sentiment":"neutral","sentiment_score":-0.000028545502573251738}],"sentiment":"neutral","sentiment_score":-0.023994945106096566,"num_words":24,"start":2820.1301,"end":2830.855},{"sentences":[{"text":"I'm just gonna I'm just gonna start again.","start":2830.855,"end":2835.675,"sentiment":"neutral","sentiment_score":-0.004115164862014353},{"text":"It's still not going through.","start":2882.985,"end":2884.665,"sentiment":"neutral","sentiment_score":-0.1784642219543457},{"text":"Look.","start":2884.665,"end":2884.905,"sentiment":"neutral","sentiment_score":-0.04765139520168304},{"text":"I've always attached photos.","start":2884.905,"end":2886.2651,"sentiment":"neutral","sentiment_score":-0.007010654546320438},{"text":"I do send quite a few, but it's it it's sending as a JPEG.","start":2886.2651,"end":2892.125,"sentiment":"neutral","sentiment_score":0.0030020659656396936}],"sentiment":"neutral","sentiment_score":-0.02996585995424539,"num_words":32,"start":2830.855,"end":2892.125},{"sentences":[{"text":"It's a big, you reckon.","start":2899.5898,"end":2900.65,"sentiment":"neutral","sentiment_score":-0.10938815623521805},{"text":"The v e r o n I k a @oqfinancial.com.au.","start":2905.0298,"end":2913.3848,"sentiment":"neutral","sentiment_score":0.0036040050210431216},{"text":"Yeah.","start":2914.6448,"end":2914.9648,"sentiment":"neutral","sentiment_score":0.03194304555654526},{"text":"It's it's not yeah.","start":2914.9648,"end":2916.2449,"sentiment":"neutral","sentiment_score":-0.050809032283723354},{"text":"I don't think people with me, and I'll persist, and I'll yeah.","start":2916.2449,"end":2923.41,"sentiment":"neutral","sentiment_score":-0.13698545020694533}],"sentiment":"neutral","sentiment_score":-0.07268810053210473,"num_words":32,"start":2899.5898,"end":2923.41},{"sentences":[{"text":"Sarah's here.","start":2923.41,"end":2923.97,"sentiment":"neutral","sentiment_score":0.007412573788315058},{"text":"So if I have problems like I said, if this doesn't go through, I'll send it through to the info at Oakview Financial.","start":2923.97,"end":2930.15,"sentiment":"neutral","sentiment_score":-0.04228956284730331},{"text":"I'll put attention Veronica.","start":2931.17,"end":2932.47,"sentiment":"neutral","sentiment_score":0.062479084357619286},{"text":"Yeah.","start":2932.69,"end":2933.19,"sentiment":"neutral","sentiment_score":0.0885973572731018},{"text":"Yeah.","start":2933.73,"end":2934.23,"sentiment":"positive","sentiment_score":0.4412473440170288}],"sentiment":"neutral","sentiment_score":-0.005744314812604458,"num_words":31,"start":2923.41,"end":2934.23},{"sentences":[{"text":"It is with a cat.","start":2936.3699,"end":2937.285,"sentiment":"neutral","sentiment_score":0.10413156896829605},{"text":"Yeah.","start":2939.9248,"end":2940.4248,"sentiment":"neutral","sentiment_score":0.23446306586265564},{"text":"Yep.","start":2959.03,"end":2959.53,"sentiment":"neutral","sentiment_score":0.20352056622505188},{"text":"Lovely.","start":2959.99,"end":2960.49,"sentiment":"positive","sentiment_score":0.7652379274368286},{"text":"No.","start":2967.025,"end":2967.345,"sentiment":"neutral","sentiment_score":-0.15615853667259216}],"sentiment":"neutral","sentiment_score":0.1741912075214916,"num_words":9,"start":2936.3699,"end":2967.345},{"sentences":[{"text":"I'm I'm all good.","start":2967.345,"end":2968.225,"sentiment":"neutral","sentiment_score":0.05515536293387413},{"text":"Just to send a letter with the only question.","start":2968.225,"end":2970.065,"sentiment":"neutral","sentiment_score":0.08532273603810205},{"text":"So, no, it's and it's paid for, and I'm I'm covered.","start":2970.065,"end":2973.185,"sentiment":"neutral","sentiment_score":0.06681659038771283},{"text":"So, yeah, I'm not worried about it anymore.","start":2973.185,"end":2975.045,"sentiment":"neutral","sentiment_score":0.00245578633621335},{"text":"Yeah.","start":2978.465,"end":2978.625,"sentiment":"neutral","sentiment_score":0.1541171818971634}],"sentiment":"neutral","sentiment_score":0.05749309221000382,"num_words":33,"start":2967.345,"end":2978.625},{"sentences":[{"text":"Yeah.","start":2978.625,"end":2978.88,"sentiment":"neutral","sentiment_score":0.09786254167556764},{"text":"Thank you.","start":2979.2798,"end":2980.24,"sentiment":"neutral","sentiment_score":0.30206597596406937},{"text":"Yeah.","start":2980.24,"end":2980.74,"sentiment":"neutral","sentiment_score":0.09712715446949004},{"text":"Yep.","start":2982.4,"end":2982.9,"sentiment":"neutral","sentiment_score":0.17756173014640808},{"text":"Appreciate your time.","start":2989.7598,"end":2990.98,"sentiment":"positive","sentiment_score":0.5647563338279724}],"sentiment":"positive","sentiment_score":0.3338690474629402,"num_words":8,"start":2978.625,"end":2990.98},{"sentences":[{"text":"You too, Veronica.","start":2994.849,"end":2995.729,"sentiment":"positive","sentiment_score":0.5163125594456991},{"text":"Thank you.","start":2995.729,"end":2996.389,"sentiment":"positive","sentiment_score":0.7637494504451752},{"text":"Okay.","start":2996.849,"end":2997.349,"sentiment":"positive","sentiment_score":0.38955599069595337},{"text":"Bye bye.","start":2997.569,"end":2998.309,"sentiment":"neutral","sentiment_score":0.039787195622921}],"sentiment":"positive","sentiment_score":0.44319587014615536,"num_words":8,"start":2994.849,"end":2998.309}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Speaking. How are you?\n\nChannel 0: Good afternoon, Peter. This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thank you. Finally\n\nChannel 0: That's\n\nChannel 1: finally\n\nChannel 0: good.\n\nChannel 1: get to chat.\n\nChannel 0: Yes. Apologies\n\nChannel 1: Speedy\n\nChannel 0: for the\n\nChannel 1: what?\n\nChannel 0: mix up of the time difference when the\n\nChannel 1: No.\n\nChannel 0: booking\n\nChannel 1: That's\n\nChannel 0: was\n\nChannel 1: okay.\n\nChannel 0: made for the last time.\n\nChannel 1: That's fine. That's alright.\n\nChannel 0: You still have some time to go beyond\n\nChannel 1: Yeah.\n\nChannel 0: review\n\nChannel 1: Yep.\n\nChannel 0: now?\n\nChannel 1: Yep. I'm I'm\n\nChannel 0: Yeah.\n\nChannel 1: settled. The kettle's on. I'm just gonna pour a coffee and get into it. So yeah.\n\nChannel 0: Sounds\n\nChannel 1: Yep.\n\nChannel 0: good. Now, Peter, 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: That's fine. Yep.\n\nChannel 0: Yeah. Perfect. And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: It's Peter James Holmes. 28th Of The 8 72. 17 Gairdner\n\nChannel 0: Yep.\n\nChannel 1: Lane, Mawson Lakes, South Australia 5\n\nChannel 0: Yep.\n\nChannel 1: 095.\n\nChannel 0: Perfect. And how's your day been? Been busy?\n\nChannel 1: Yep. Pretty good. Yeah. We're just working\n\nChannel 0: Yeah.\n\nChannel 1: on a custom deck. So, you know, just another another job, another build. So I I do brand as a big goal. So it's just one job to another. But, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: every job is different. So, yeah, I I love the challenge. It's good.\n\nChannel 0: Yeah.\n\nChannel 1: And the weather's\n\nChannel 0: Oh,\n\nChannel 1: picked\n\nChannel 0: that's\n\nChannel 1: up for us here in South Australia. It's a bit sunny\n\nChannel 0: yeah.\n\nChannel 1: today. Still cold, but a bit sunny. So I'm not sure where you are, but it's\n\nChannel 0: Yeah. Same. We're we're on the Gold\n\nChannel 1: a\n\nChannel 0: Coast, and it's\n\nChannel 1: Yep.\n\nChannel 0: when the sun's out, it's lovely. But in the morning, it's quite chilly.\n\nChannel 1: Alright. It was seven, yeah, this morning and quite foggy everywhere, which is a bit unusual. So, yeah, it was a bit of a cold one this morning, but\n\nChannel 0: Yeah.\n\nChannel 1: it's come\n\nChannel 0: I think we had\n\nChannel 1: good. Yeah.\n\nChannel 0: eleven, which is before the sun goes up,\n\nChannel 1: Yep.\n\nChannel 0: which is a bit cold.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Now, Peter, before I kind of jump into the under review, I do typically like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at.\n\nChannel 1: Yeah. Just an update. I mean, nothing much has changed. But I do have one\n\nChannel 0: Yep.\n\nChannel 1: question because I've got a I've got a letter from\n\nChannel 0: Mhmm.\n\nChannel 1: a sender saying that\n\nChannel 0: Yeah.\n\nChannel 1: I that I owe $7,382. So it's I'm okay if I if I do owe that, but I'm not sure if that was meant to be deducted out of the every account or whether I pay that separately.\n\nChannel 0: Let me triple check for you.\n\nChannel 1: I thought it was set up and was gonna come out, but I didn't wanna pay it and then,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: No.\n\nChannel 1: double pay it. I wanted to avoid that. So avoiding I'm doing the right thing, I'm happy to\n\nChannel 0: Yeah.\n\nChannel 1: to pay it.\n\nChannel 0: Now let me have a quick look on your statement. Yeah. No. That should not be there it it is definitely through super.\n\nChannel 1: It is yeah.\n\nChannel 0: Yes.\n\nChannel 1: That's what I thought.\n\nChannel 0: And they\n\nChannel 1: So\n\nChannel 0: ask you to pay for it yourself?\n\nChannel 1: yeah. It says you've missed the premium payment. So I think I've got a letter a couple of weeks ago, and I kind of overlooked it. And I've just got another one. I thought, shit.\n\nI knew you were calling, so I thought I'd I'd let leave it aside. And it goes here about it. So yeah.\n\nChannel 0: Would you be able just so I can look into it for you, would you be able\n\nChannel 1: Yeah.\n\nChannel 0: to forward me the email or take a photo if\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: I can\n\nChannel 0: posted\n\nChannel 1: take a photo.\n\nChannel 0: it\n\nChannel 1: It's\n\nChannel 0: to\n\nChannel 1: it's\n\nChannel 0: you?\n\nChannel 1: a private copy. Yeah. Yep.\n\nChannel 0: If you could, that will be good, and I'll just investigate a bit further because that's that's strange.\n\nChannel 1: Yeah.\n\nChannel 0: Because\n\nChannel 1: No worries.\n\nChannel 0: it's definitely through service. I'm glad you didn't pay for it.\n\nChannel 1: Yes. Perfect.\n\nChannel 0: So, yeah, if you could take a photo of that, and\n\nChannel 1: Yes.\n\nChannel 0: then\n\nChannel 1: I'll send\n\nChannel 0: you can\n\nChannel 1: that.\n\nChannel 0: just\n\nChannel 1: Sorry.\n\nChannel 0: email it yeah. You can email it to me directly if you would like.\n\nChannel 1: Yeah.\n\nChannel 0: Now my email address, if you have a pen and paper\n\nChannel 1: Okay. Yeah.\n\nChannel 0: close by yep. So it's just veronicawithak@oakviewfinancial,\n\nChannel 1: Yeah.\n\nChannel 0: just one word,\n\nChannel 1: Yep.\n\nChannel 0: dot com dot a\n\nChannel 1: I'll I'll do that as we speak, and then you can have a look at it.\n\nChannel 0: u. Yeah. Perfect.\n\nChannel 1: That was\n\nChannel 0: That\n\nChannel 1: the only\n\nChannel 0: that'd\n\nChannel 1: question\n\nChannel 0: be good.\n\nChannel 1: I had.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I am\n\nChannel 0: Please\n\nChannel 1: getting over\n\nChannel 0: send\n\nChannel 1: a cold\n\nChannel 0: that through.\n\nChannel 1: too, so excuse me if I cough and start a little bit. But I'm over the worst\n\nChannel 0: Yeah.\n\nChannel 1: of\n\nChannel 0: No.\n\nChannel 1: it, but it's just hanging on.\n\nChannel 0: That's all good. It's going around\n\nChannel 1: Yeah.\n\nChannel 0: here too. What I\n\nChannel 1: Okay.\n\nChannel 0: will do first is just to go through just a bit of an updated fact line just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions here, Peter.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to your personal information, I have you down here as, that you're in a de facto relationship and no financial dependence to keep you a bit older.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah. My my youngest is about\n\nChannel 0: And\n\nChannel 1: 23. So yeah.\n\nChannel 0: yep. And I do have here next up Ken, Sarah Jane. So if for some reason we can't get in touch with you to give her a call and see what's happening?\n\nChannel 1: Yep. Definitely. And she'll be\n\nChannel 0: Yep.\n\nChannel 1: here in a couple of minutes. She's on her way home, so she can help out\n\nChannel 0: Yeah.\n\nChannel 1: if need be.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Now employment wise, has any of that changed, or\n\nChannel 1: Not\n\nChannel 0: you're\n\nChannel 1: at all.\n\nChannel 0: still not\n\nChannel 1: No.\n\nChannel 0: paying?\n\nChannel 1: Exactly. Yeah.\n\nChannel 0: Now you're still paying yourself about 80,000 a year, or has that changed?\n\nChannel 1: It's well, I don't pay myself. That's kinda what I am, but I think I I don't actually know this year. I'm estimating it's probably around a 100 that I've earned, so it's not oh, I guess it's what I what do you mean by when I pay myself? Because that's self employed. It's\n\nChannel 0: Yeah. Like a an income. Do you\n\nChannel 1: yeah. I I don't have a set amount, so it's and I'll never know what\n\nChannel 0: mhmm.\n\nChannel 1: it is. I'll just take I'll just put money into my savings whenever I need\n\nChannel 0: Mhmm.\n\nChannel 1: it. I don't really take track of it. So I guess I'd could\n\nChannel 0: Okay.\n\nChannel 1: if that's what the history says, that would nothing's changed, so let's stick with\n\nChannel 0: Okay.\n\nChannel 1: that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Perfect. Now contributions as well into super, obviously, being self employed, it's obviously up to you. Now I can see here that on the June 23, I believe, you made a voluntary contribution into super\n\nChannel 1: Yes.\n\nChannel 0: about 18,000, I believe.\n\nChannel 1: That's right. Yeah. I've been trying to do 12,000 a year, and I didn't do any last year. So my my goal is to do 18,000,\n\nChannel 0: Yep.\n\nChannel 1: like, this year and then 18,000 next year, but we also do wanna start making smaller, like, monthly\n\nChannel 0: Yeah.\n\nChannel 1: amounts. So I'm gonna\n\nChannel 0: Yep.\n\nChannel 1: actually look into on that really soon.\n\nChannel 0: Yep. Okay. Perfect. No. That's good.\n\nAnd it does obviously, the benefit of doing regular ones is obviously you have the money invested for longer. It compounds. But then,\n\nChannel 1: Yep.\n\nChannel 0: also, you are kind of taking advantage of the ups and downs in the market because things do fluctuate all the time.\n\nChannel 1: Yes.\n\nChannel 0: So doing it kind of small increments means that you do sometimes invest when it's high, sometimes when it's low, and it kind of averages things out in a nice way as well. Obviously, the downside is that if it's money you need, if it's at the end of the financial year, then you may have a bit more of an idea of how much you could put in.\n\nChannel 1: Yes.\n\nChannel 0: But, obviously, you can adjust that however you want based on, obviously, your situation.\n\nChannel 1: That's right. Yeah. Yeah. So I'll probably set up, like, a minimal monthly amount. And then from\n\nChannel 0: Yep.\n\nChannel 1: there, I'll kind of adjust it if I need to add more or less or adjust it. Well,\n\nChannel 0: Yep.\n\nChannel 1: I won't add less because I'll I'll I'll allow the minimum. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. And with the contribution, did you want us to do that notice of intent for you?\n\nChannel 1: Is that\n\nChannel 0: Did\n\nChannel 1: necessary?\n\nChannel 0: you get\n\nChannel 1: Yes.\n\nChannel 0: no. It is completely\n\nChannel 1: Yeah. No.\n\nChannel 0: up to you.\n\nChannel 1: Yeah.\n\nChannel 0: It is because, obviously, you have made it as after tax contributions.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, it's money you've already paid tax on. Now\n\nChannel 1: Yes.\n\nChannel 0: contributions typically going into super or anything going into super is taxed at a concessional rate of 15%,\n\nChannel 1: Yeah.\n\nChannel 0: which is obviously lower than your your marginal tax rate, which would obviously, if it's around the the 80 or so, would be that 30%. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: you're paying more tax on it. So by doing the notice of intent, you can basically convert the contribution from a after tax to a pretax contribution, and that means you get a little bit of that kind of tax back.\n\nChannel 1: That makes sense, doesn't it? Yeah.\n\nChannel 0: Yes. The\n\nChannel 1: Yes.\n\nChannel 0: the reason sometimes why people don't want to do it is more so how the benefit\n\nChannel 1: Okay.\n\nChannel 0: is paid out after. So because there are different tax consequences depending on who receives the money, that would then be because at the moment, it's it's tax free because you have made it after tax. If you change\n\nChannel 1: Yeah.\n\nChannel 0: it to pretax, it could be tax consequences depending on who receives it. Now for your superannuation, I do have Sarah Jane nominated.\n\nChannel 1: Yes.\n\nChannel 0: What that means, obviously, if she is your spouse, it wouldn't matter because it's tax free to her regardless. So whether it's pretax or after tax, it's completely tax free to her.\n\nChannel 1: Okay.\n\nChannel 0: The\n\nChannel 1: Yep.\n\nChannel 0: the the kind of caveat would be if the suitor were to go through your adult children. That's when\n\nChannel 1: Okay.\n\nChannel 0: they would then pay they could pay up to that 30% tax on the the tax elements,\n\nChannel 1: Yep. Right.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: would\n\nChannel 1: it\n\nChannel 0: you like us to do that for you?\n\nChannel 1: I think it's better. Yeah. Yep.\n\nChannel 0: Yeah. Most most of I would say 99% of the people do\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: Do it. Yeah.\n\nChannel 0: putting\n\nChannel 1: Let's\n\nChannel 0: it\n\nChannel 1: work\n\nChannel 0: in its way\n\nChannel 1: for us.\n\nChannel 0: to get,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, you get a little\n\nChannel 1: No\n\nChannel 0: bit of\n\nChannel 1: worries.\n\nChannel 0: that kind of claim back. So what I will let the team know is that you wanna obviously claim that notice 07/10 on the 18000. Now once we have lodged that with hub twenty four, we will get a little confirmation letter,\n\nChannel 1: Yes.\n\nChannel 0: and you can then bring that with you to do you do your accountant a tax return yourself, or do you go to someone?\n\nChannel 1: No. I've got an account, and and I've actually just\n\nChannel 0: Okay.\n\nChannel 1: thought if if he normally does the the notice of intent. So what happens? Can it be done twice? I mean, obviously, you don't want to, but but if he would normally do it and just action it automatically?\n\nChannel 0: Normally,\n\nChannel 1: Or or\n\nChannel 0: they\n\nChannel 1: the you go.\n\nChannel 0: they\n\nChannel 1: I'm sorry.\n\nChannel 0: wouldn't. They would like, the accountant would say, hey. Do you have the letter? And then I will put it through. Because\n\nChannel 1: Right.\n\nChannel 0: do doing the action notice, sometimes you have to do directly with the super funds. So you would have to do that with the half 24. And, obviously,\n\nChannel 1: Okay.\n\nChannel 0: if he he, unless you do it on like, he does it on your account while you were there.\n\nChannel 1: He does he does have access. Yeah. He's got access to all that. So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: I'll\n\nChannel 1: Do\n\nChannel 0: see\n\nChannel 1: you want me\n\nChannel 0: if\n\nChannel 1: to\n\nChannel 0: I\n\nChannel 1: ask\n\nChannel 0: can\n\nChannel 1: him\n\nChannel 0: see.\n\nChannel 1: or or or if he if he gets to it first and when he goes to do it, he'll see that it's done and then not bother\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: When when are you seeing him,\n\nChannel 1: what?\n\nChannel 0: or have you seen him already?\n\nChannel 1: No. I haven't seen him. No. I haven't got an ex booking with him, so I'm not sure. But I can always email, and I'll contact him just randomly.\n\nSo if you if I need\n\nChannel 0: Yes.\n\nChannel 1: to ask him something, I'm I'm happy to.\n\nChannel 0: Yeah. Maybe just because, yeah, you can only do it at once. You can make a variation if there was any issues, but you normally, you would just do it once. So often, an accountant would just tell their clients, just get the letter from your super fund, and then I will do it. So then we would assist with doing the claim through hub twenty four.\n\nWe will give you the letter, and you would just bring that letter to your accountant. But if he has direct access to everything, he could have done it.\n\nChannel 1: Yep.\n\nChannel 0: Let me just have a quick look if I can see it. So maybe if you would like, maybe email him and say,\n\nChannel 1: Yes.\n\nChannel 0: hey. Are you planning on doing it? Or if not, I can let, like, you know, and or we can do it for you. Then\n\nChannel 1: Yep.\n\nChannel 0: he would\n\nChannel 1: Okay.\n\nChannel 0: obviously do the lodgment to obviously get the tax back so we can change it in hub twenty four for you.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Yep. Does that make\n\nChannel 1: Awesome.\n\nChannel 0: sense?\n\nChannel 1: Yeah. I'll ask him. Yep.\n\nChannel 0: Yep. Yep. Okay. Well, I'll just leave it until I've heard from you just\n\nChannel 1: Yep.\n\nChannel 0: to make sure. And if I haven't heard anything in maybe, like, a week or so, I'll just send you a little follow-up just just to\n\nChannel 1: Alright.\n\nChannel 0: check.\n\nChannel 1: Alternatively, like like I said, if you just go ahead and do it,\n\nChannel 0: Okay.\n\nChannel 1: it can't be done\n\nChannel 0: Yeah.\n\nChannel 1: twice, can it? So maybe\n\nChannel 0: No. Because\n\nChannel 1: no.\n\nChannel 0: if we've already\n\nChannel 1: Yeah.\n\nChannel 0: done that, it will just\n\nChannel 1: Yeah.\n\nChannel 0: show that you don't have any extra available.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: we\n\nChannel 1: maybe\n\nChannel 0: can just go ahead yeah.\n\nChannel 1: I would just go ahead and do it. Yeah. Sorry.\n\nChannel 0: Okay.\n\nChannel 1: Sorry for that confusion.\n\nChannel 0: Yep. No. That's okay. Once it's been lodged with hub twenty four, though, we will still email you the certificate, and\n\nChannel 1: Yep.\n\nChannel 0: then you can just forward that on to your account as well because they will\n\nChannel 1: Nine\n\nChannel 0: need that\n\nChannel 1: bars.\n\nChannel 0: for the actual tax return.\n\nChannel 1: Yes.\n\nChannel 0: Okay. Perfect. Now I do wanna just mention that with the doing it that that way, there is a contribution cap space we have to be mindful of each year. You are well below below it, so there's no risk for it. But if, let's\n\nChannel 1: Yes.\n\nChannel 0: say, this financial year, you go I wanna put 50,000 and\n\nChannel 1: Yep.\n\nChannel 0: you wanna do the the notice of intent, just let me know. Just let me run the numbers because each so this financial year, it's gone up. The cap space is 32,500. So\n\nChannel 1: Okay.\n\nChannel 0: if you go over that, there is different strategies where you can it gets a bit technical, but you can use unused spaces from previous years to kind of catch up.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So if if it was that you were thinking of doing more than 32,000, just let me know, and I'll just wanna triple check\n\nChannel 1: Yep.\n\nChannel 0: for you.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Okay.\n\nChannel 1: Thank you very\n\nChannel 0: Perfect.\n\nChannel 1: much.\n\nChannel 0: No. That's okay. Now asset wise, I do have here your property was last night at about 700,000.\n\nChannel 1: Yes. Is is that right?\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And about $3.10 was owing on the mortgage.\n\nChannel 1: 300.\n\nChannel 0: Still sound about about\n\nChannel 1: Yep.\n\nChannel 0: 310.\n\nChannel 1: Yeah.\n\nChannel 0: Does\n\nChannel 1: We're\n\nChannel 0: that sound\n\nChannel 1: 2\n\nChannel 0: about\n\nChannel 1: 90\n\nChannel 0: right?\n\nChannel 1: 5 now or something. Yeah. So it's around the mark.\n\nChannel 0: That's\n\nChannel 1: Yeah. 2\n\nChannel 0: perfect.\n\nChannel 1: 95 maybe. But\n\nChannel 0: 2\n\nChannel 1: yeah.\n\nChannel 0: 95.\n\nChannel 1: We're\n\nChannel 0: Cool. Now I also have here a motor vehicle right at about 12,000.\n\nChannel 1: changing. Yes.\n\nChannel 0: Yep. A trailer of about 7,000,\n\nChannel 1: Yes. It's correct.\n\nChannel 0: and then tools for about 20.\n\nChannel 1: It's correct. Yep.\n\nChannel 0: Yep. Any other new assets that's changed in the last twelve months?\n\nChannel 1: No. No.\n\nChannel 0: Nope. Perfect. And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case as well?\n\nChannel 1: That's correct. Yep. Don't\n\nChannel 0: Yep.\n\nChannel 1: plan on taking it up.\n\nChannel 0: And no. That's good. Now have you had any changes to your health, any significant health issues or injuries or anything?\n\nChannel 1: Nope. Nothing.\n\nChannel 0: No. Great. And when it comes to estate planning, do you guys have a will or power of attorney or anything in place?\n\nChannel 1: I don't believe we do, actually. Sarah's\n\nChannel 0: No?\n\nChannel 1: home now. She'll confirm, but just give\n\nChannel 0: Yeah.\n\nChannel 1: me a sec. It's one of these things we talk about and kinda let me get to it.\n\nChannel 0: Yeah. Most people are the same.\n\nChannel 1: We don't we don't have a will. No. We don't. Oh, it's on our list. It's on our list.\n\nSo we don't\n\nChannel 0: Yeah.\n\nChannel 1: currently have one, though. Like\n\nChannel 0: No.\n\nChannel 1: I said,\n\nChannel 0: That's all\n\nChannel 1: Yeah.\n\nChannel 0: that's all good. It's on the to do list.\n\nChannel 1: Yep.\n\nChannel 0: Now, otherwise, usually, a good kind of checking point during annual review is to see what your goals were last time we spoke to you, if it has changed how you are tracking, and if you have any new financial goals. So last time when you spoke to my colleague, Dana, you're obviously, aside from super and insurances, your kind of other focus was just to kind of continue to pay down the mortgage as much as possible. Is that\n\nChannel 1: Yeah.\n\nChannel 0: still kind of the main priority for you?\n\nChannel 1: It is. Yeah. It'd be nice to be calling\n\nChannel 0: Yep.\n\nChannel 1: up debt free without that, so that's yeah. Message.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And any anything else that you you guys are working towards? So that's kind of the main priority.\n\nChannel 1: That's the my priority. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Perfect. Now when it comes to superannuation and how your money is actually invested, I do wanna quickly go through just a bit of an updated risk profile questionnaire with you, Peter. It is pretty straightforward. It is just multiple choice.\n\nSo there's no right or wrong answer, and it's just whatever you feel is the most appropriate for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Sometimes it can be a little bit tricky because it's all kind of hypothetical situation. So if it doesn't make sense, just let me know.\n\nChannel 1: Okay. Okay. Yep.\n\nChannel 0: Yep. Now have you ever bought direct shares on the stock market yourself?\n\nChannel 1: No.\n\nChannel 0: Nope. And when it comes to time frames of when you are looking at accessing super, retiring, I have here about 65. Is that still kind of the plan, do you think?\n\nChannel 1: Look. That was probably just to put a number on it, so we'll stick with that. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: have no intentions. But yeah.\n\nChannel 0: Yeah. No worries. It is also\n\nChannel 1: Yeah.\n\nChannel 0: just to kind of make sure you have enough time in the market for the different fluctuations. But if you're not planning on retiring in the next couple of years, then then that's all good.\n\nChannel 1: No. That's that's fine. Yeah. No.\n\nChannel 0: Yep. 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 a very high risk, high, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Probably moderate. But\n\nChannel 0: Moderate?\n\nChannel 1: what level I have, I think I need to kinda preserve it rather than risk\n\nChannel 0: Yep.\n\nChannel 1: it. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: So it's kind of wanting some growth, but obviously not high growth or aggressive.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Now if you place an investment and then you found out that it it fell due to general trends in the market. So you placed an investment and it dropped. Would you, if you had the option to do so, I think that, well, now is potentially a good time to put a little bit more in while the prices are down. Would you kind of be a bit neutral, just kind of wait and see what happens, or would you want to sell?\n\nChannel 1: Probably be tempted to put a little bit more in. I\n\nChannel 0: Yep.\n\nChannel 1: mean, it's at an advantage to pay it off quicker while it's down. Yeah.\n\nChannel 0: Yeah. No. Perfect. And next is when it comes to fluctuations. So, obviously, there's going to be times in the market where things do fluctuate.\n\nSome years are gonna be obviously better than others depending on what is going on in in the world and the market. Now if there's ever any point in time where any of your investments, so super, any other investments are are down temporarily, how would that make you feel? Would you say optimistic about potential future opportunities to invest in? A bit kind of neutral, not making any further investments? Concerned or highly anxious?\n\nChannel 1: No. Go with kind of just going with the flow like the second one.\n\nChannel 0: Yep.\n\nChannel 1: But,\n\nChannel 0: Yep. Perfect.\n\nChannel 1: you know, it's gonna go up and down. So, yeah, you can just go\n\nChannel 0: Exactly.\n\nChannel 1: to the. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Not\n\nChannel 0: Now\n\nChannel 1: gonna freak\n\nChannel 0: last\n\nChannel 1: out.\n\nChannel 0: no. That's good. Now the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: No. Definitely not.\n\nChannel 0: No. Would you consider taking out a loan to buy an investment property?\n\nChannel 1: No.\n\nChannel 0: Nope. Perfect. Just trying to get debt free.\n\nChannel 1: Yes. Yes. Definitely.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. I can and more\n\nChannel 0: Perfect.\n\nChannel 1: depth. Yeah.\n\nChannel 0: Yeah. Now, Peter, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in.\n\nChannel 1: No.\n\nChannel 0: Now\n\nChannel 1: That's good.\n\nChannel 0: yeah. So what I will do is when I have actually sent you a document with some documents to go through. Sorry. I have sent you an email with some documents to go through. Do you have access to your emails at the moment?\n\nChannel 1: I see. I'm in the middle of drafting\n\nChannel 0: Okay.\n\nChannel 1: to you regarding that picture. So as soon as I hit send, I'll oh, you haven't sent it yet, have\n\nChannel 0: Yes. I have.\n\nChannel 1: you? You have? Okay.\n\nChannel 0: Just as,\n\nChannel 1: Alright.\n\nChannel 0: yeah, just as I called.\n\nChannel 1: Right. Okay. I'll have a look. I'm just about to hit send on this. I've taken pictures of this letter from the sender.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: I'll be just going to send that through to you now. So and then\n\nChannel 0: Okay.\n\nChannel 1: I'll I'll check out what you send me.\n\nChannel 0: Yeah. Okay. Perfect. Now I can I can let you send that first if you want if you wanna focus on that?\n\nChannel 1: Just done. There you go. You should receive that.\n\nChannel 0: Alright. I'll keep refreshing. Sometimes it takes a a few minutes, so I'll keep a lookout for that to come through.\n\nChannel 1: Yeah. I've just taken the picture of every page, so I kinda just kept doubling up. So there's two pages in it. The first one is just the front page, and then as I've\n\nChannel 0: Yep.\n\nChannel 1: because it's about six pages there, so I'm just I'm just taking one kind of picture of two pages. So hopefully you\n\nChannel 0: Yeah.\n\nChannel 1: can zoom in and make\n\nChannel 0: Yeah. No. That'll be fine. Now with the email as well, have a look at your spam because it\n\nChannel 1: sure.\n\nChannel 0: could end up there because we\n\nChannel 1: Yep.\n\nChannel 0: have just changed software. So if it's the first first time through the new software, it may recognize it as a spam email, but it should say directly from me.\n\nChannel 1: Yep. Travel associates was my last one in this van.\n\nChannel 0: Nothing yet?\n\nChannel 1: No. No. It doesn't. Oh, there we go. 401.\n\nWhere is that? I just went to all miles, so it's not even in this van.\n\nChannel 0: Oh.\n\nChannel 1: Don't worry.\n\nChannel 0: Oh.\n\nChannel 1: Yep. So\n\nChannel 0: Oh, well, that's good.\n\nChannel 1: I've\n\nChannel 0: Now\n\nChannel 1: got\n\nChannel 0: it will say click here to sign sign documents or signature request,\n\nChannel 1: it.\n\nChannel 0: but it will allow you so when you click on it, it's not gonna ask you to sign right away.\n\nChannel 1: Yep.\n\nChannel 0: It\n\nChannel 1: Okay.\n\nChannel 0: will allow you to open up and view everything first just to make sure you're happy before it prompts you to sign.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: I'm reading\n\nChannel 0: it\n\nChannel 1: in.\n\nChannel 0: yep. So it should open. There should be a couple of documents. The first one you should see is the one where it says super and insurance summary. Can you see that one?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Okay. Perfect. So this one here gives you a bit of a breakdown of your current situation. So you can see here that you have your super with hub twenty four, and you do\n\nChannel 1: Yep.\n\nChannel 0: have about $66,733 in there.\n\nChannel 1: Yep.\n\nChannel 0: Now you\n\nChannel 1: Yep.\n\nChannel 0: can also see that underneath your insurances. So you can actually\n\nChannel 1: Yes.\n\nChannel 0: see here as well that the ascender is in front of you.\n\nChannel 1: Yes. Yep.\n\nChannel 0: But I will check those emails when they come through as well just to\n\nChannel 1: Yep.\n\nChannel 0: see what that's about because that's strange because you're not\n\nChannel 1: Yeah.\n\nChannel 0: paying for it out of pocket, and there's obviously enough money in Super, so that shouldn't be a decline.\n\nChannel 1: Yeah. Just checking\n\nChannel 0: So\n\nChannel 1: the policy number. It's the same number. So it's the same policy number on there. So it's yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Anyway\n\nChannel 0: Okay.\n\nChannel 1: that's\n\nChannel 0: Well,\n\nChannel 1: okay.\n\nChannel 0: I will\n\nChannel 1: I'll I'll leave that one with you. Yeah.\n\nChannel 0: yes. I will send you an email once I have spoken to them, though, just so you confirmation. They have they're closed in about five minutes, but I will give them a call tomorrow and\n\nChannel 1: Yep.\n\nChannel 0: follow-up\n\nChannel 1: Perfect.\n\nChannel 0: just\n\nChannel 1: Thank\n\nChannel 0: so\n\nChannel 1: you.\n\nChannel 0: you have confirmation on that and\n\nChannel 1: Yep.\n\nChannel 0: also why they're sending that to you because that seems\n\nChannel 1: Thank\n\nChannel 0: strange.\n\nChannel 1: you.\n\nChannel 0: No worries. Now you have life and CPD. So you have about 262,500\n\nChannel 1: Yep. Yes.\n\nChannel 0: if something were to happen. And then you also have an income and that will pay a monthly amount of 4,806 per month. And\n\nChannel 1: Yep.\n\nChannel 0: then you also have a thirty day waiting period, a five year benefit period. And because it's paid from within super, you do get that 15% tax rebate. So the total premium is 6,275.\n\nChannel 1: Lovely. Yep.\n\nChannel 0: Now are you happy with that level of cover for your life, TPD, and income protection, or do you wanna make any changes, or do you think that's aligning?\n\nChannel 1: It's just well, my only question is I mean, I'm happy with it all,\n\nChannel 0: Mhmm.\n\nChannel 1: but I've just got a random question. The 4,008\n\nChannel 0: Mhmm.\n\nChannel 1: 106 monthly, does that change as my income changes? Because the last few years,\n\nChannel 0: Yes.\n\nChannel 1: I've kind of been earning more since I've had, like, my son working with me. So does\n\nChannel 0: Yes.\n\nChannel 1: that figure change?\n\nChannel 0: It will change come claim time. So what you are\n\nChannel 1: Yep.\n\nChannel 0: covered for income protection is a little bit tricky. So how it works is at the time of claim, they will cover you for up to 70% of your income.\n\nChannel 1: Yep.\n\nChannel 0: But what they\n\nChannel 1: Yep.\n\nChannel 0: also won't exceed, yeah, is what you are currently covered for. So if, for example, if I use the so, yeah, it's a bit sneaky that way that let me just see here. So if your income is the 80,000, for example,\n\nChannel 1: Yep. Yep.\n\nChannel 0: that would mean that on a monthly basis, it's basically spot on. It's 4,666 per month\n\nChannel 1: Okay.\n\nChannel 0: if if we're doing the 70%. Now if, let's say, you have to go on claim in twelve months, and at the time, your income is a 120,000, they are not gonna pay you 70% of a 120,000. They are only gonna\n\nChannel 1: Right.\n\nChannel 0: pay you up to what you are insured for, which is 4,806.\n\nChannel 1: Alright. So this is the maximum.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Correct. Now the flip side, though, is let's say you have to go and claim on twelve months, and at the time, your income is 30,000. They are only going to pay you 70% of your income, which will be 70% of 30 even though\n\nChannel 1: Yeah.\n\nChannel 0: you are paying for more. Does that make sense?\n\nChannel 1: Mhmm. Yeah. Yeah. It's crazy, isn't it?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. So if your income changes drastically, just let me know because\n\nChannel 1: Okay.\n\nChannel 0: we can always look to make changes.\n\nChannel 1: Yeah.\n\nChannel 0: Because\n\nChannel 1: Okay.\n\nChannel 0: it's also at the time of claim. If, for example, you have one year where you earn a little bit less, but then you think the next year is gonna pick up and be back up,\n\nChannel 1: Yep.\n\nChannel 0: we would also be hesitant of reducing it. Because by reducing it, it's super easy. It's just a quick form. Insurers are happy. They take on less risk.\n\nIf you\n\nChannel 1: Yeah.\n\nChannel 0: then let's say we reduce it to 3,000 a month, And then let's say six months later, things are going great. You're earning more money and you go, I wanna offer to 6,000 a month. The insurance will be like, okay. Well, we need to reassess your risk, basically, and go through that whole insurance application again and seeing what they offer. So it's very easy\n\nChannel 1: Okay.\n\nChannel 0: to decrease. It's harder to increase.\n\nChannel 1: Increase. Yeah. No worries.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Does that\n\nChannel 1: Thank you.\n\nChannel 0: make sense?\n\nChannel 1: It does. Yep.\n\nChannel 0: Yes. Perfect. But\n\nChannel 1: So\n\nChannel 0: good\n\nChannel 1: we'll\n\nChannel 0: question,\n\nChannel 1: we'll leave it\n\nChannel 0: though,\n\nChannel 1: all\n\nChannel 0: because\n\nChannel 1: at the\n\nChannel 0: it\n\nChannel 1: end. Yeah.\n\nChannel 0: yes. Because it's pretty spot on of what you are kind of earning, so so\n\nChannel 1: Exactly.\n\nChannel 0: that's good.\n\nChannel 1: Yeah. It's not just no way of changing.\n\nChannel 0: Yeah. Now you also have some other insurances with OnePath that you pay for out of pocket.\n\nChannel 1: Yes.\n\nChannel 0: Now you have life, total permanent disability, and trauma insurance, and\n\nChannel 1: Yes.\n\nChannel 0: that's all 213,431 for each of them. Total premium is 566 per month.\n\nChannel 1: Yes.\n\nChannel 0: You're still happy with that cover as well?\n\nChannel 1: Yep. Yeah. Absolutely. Yeah.\n\nChannel 0: Yep. Yep. Great. Perfect. Now if you can press next for me, it should be\n\nChannel 1: Yep.\n\nChannel 0: a\n\nChannel 1: Done.\n\nChannel 0: hub twenty four performance report. Can\n\nChannel 1: Yeah.\n\nChannel 0: you see\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: got\n\nChannel 0: one?\n\nChannel 1: that.\n\nChannel 0: Uh-huh.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this one here sometimes can look\n\nChannel 1: Yes.\n\nChannel 0: a little bit messy because it's it basically breaks down all your individual investments, how they have performed,\n\nChannel 1: Yeah.\n\nChannel 0: and what has happened in the last twelve months. Now it shows everything in net of fees as well when it comes to that internal rate of return. So the percentage on the investment shows everything after fees\n\nChannel 1: Broad.\n\nChannel 0: after all fees.\n\nChannel 1: Yep.\n\nChannel 0: So, obviously, with the the market, I'm sure you would have heard or seen on the news, it's been a bit of a turbulent last twelve months. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: everything in The US did see Trump and tariffs and everything. You'd see a bit of fluctuations in the market. And, obviously, more recently with the war as well, we have seen a bit of bit of turbulent in the market.\n\nChannel 1: Yeah.\n\nChannel 0: Now in saying that, though, your portfolio is still doing pretty good despite the the fluctuation in turbulence\n\nChannel 1: Yep.\n\nChannel 0: we have\n\nChannel 1: Yes.\n\nChannel 0: had in the last twelve months.\n\nChannel 1: Yes.\n\nChannel 0: So it's still gone up by about 5.17% after\n\nChannel 1: Yes.\n\nChannel 0: fees.\n\nChannel 1: Yep.\n\nChannel 0: Now there is one investment here that I would like to look at changing for you. So\n\nChannel 1: Okay.\n\nChannel 0: if you have a look at the second column to the right where it says internal rate of return. Can you see that?\n\nChannel 1: Oh, yes. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Nine\n\nChannel 0: Sorry.\n\nChannel 1: two. Yep.\n\nChannel 0: Yep. Sorry. Exactly. So, basically, the one that has the bracket next to it, which is\n\nChannel 1: 70\n\nChannel 0: just\n\nChannel 1: 10.\n\nChannel 0: two of them.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And then all the way says 21.02.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. These two are down at the moment. All\n\nChannel 1: Right.\n\nChannel 0: the others\n\nChannel 1: Okay.\n\nChannel 0: are positive.\n\nChannel 1: Okay.\n\nChannel 0: Now sometimes that happens with fluctuations, but also because way that your portfolio is constructed is that we want diversification. So we wanna make sure that we're not betting everything on one market or one sector or one area. So there\n\nChannel 1: Yeah.\n\nChannel 0: will be\n\nChannel 1: For\n\nChannel 0: times\n\nChannel 1: sure.\n\nChannel 0: where some\n\nChannel 1: Yeah.\n\nChannel 0: investments are doing really good, others not as good, and they kind of even each other out, if that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. Not\n\nChannel 0: Yep.\n\nChannel 1: necessarily good with the bad. So yeah.\n\nChannel 0: Exactly. At the same time, though, if we because we do a lot of research on the investments all the time and making sure that they're always going to be the best for you. And the investment\n\nChannel 1: Yep.\n\nChannel 0: committee do a lot of research. And if we foresee one investment underperforming a little bit and we don't foresee it coming back around again or as much\n\nChannel 1: Yes.\n\nChannel 0: or being the best option for you moving forward if things are always evolving. We wanna be proactive and look to make a change if need be.\n\nChannel 1: That\n\nChannel 0: So,\n\nChannel 1: makes sense. Yep.\n\nChannel 0: yeah, so with the top one, the one that says twenty one point zero two,\n\nChannel 1: Yep.\n\nChannel 0: this is the one that I would like to look at changing for you. Now\n\nChannel 1: Yep.\n\nChannel 0: this one here, it is a managed fund, and it's called Benelung Australian Equity. How that one works is that they are kind of actively trying to buy and sell different investments in order to try to outperform the market.\n\nChannel 1: Alright.\n\nChannel 0: So they have been very successful in doing so, but, obviously, you're gonna have potentially a little bit more fluctuations because they're obviously doing that a bit more quickly, so a bit more of that kind of active management through the investments. They can\n\nChannel 1: Yes.\n\nChannel 0: be a little bit more expensive, so you wanna make sure that the performance outweighs the fees as well.\n\nChannel 1: Yes.\n\nChannel 0: Because, otherwise, what's the point paying a little bit more for the active management if it's not outperforming?\n\nChannel 1: For me. Exactly.\n\nChannel 0: So\n\nChannel 1: Yeah. High\n\nChannel 0: exactly.\n\nChannel 1: risk.\n\nChannel 0: So exactly. So right now, it's it's kind of underperforming. And like I said, the investment committee have done a lot of research on it and don't think it's going to be the best option moving forward and that there are better options. So\n\nChannel 1: Lovely.\n\nChannel 0: what we have,\n\nChannel 1: Yep.\n\nChannel 0: yeah, what we have found is an alternative, which is called BetaShares Australia two hundred.\n\nChannel 1: Yep.\n\nChannel 0: Now how this one is a bit different because if we are swapping an Australian investment, we also wanna make sure that we add another Australian investment to keep diversification because we don't want everything in The US or everything in emerging markets. We wanna keep the diversification and still give you some exposure to the Australian market. Just\n\nChannel 1: Yes.\n\nChannel 0: another option.\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: So\n\nChannel 1: Yep. You've got a cup\n\nChannel 0: yeah.\n\nChannel 1: there's a couple of better ones in here at the moment. So\n\nChannel 0: Exactly. So\n\nChannel 1: edit\n\nChannel 0: with the\n\nChannel 1: yeah.\n\nChannel 0: Betashares a 200, the way how that one is a little bit different to the Bennelong is that it invests in the 200 largest companies listed in Australia. So, obviously, very diversified because with that one single line, you'll basically have 200 companies.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Now you will have all the big banks and BHP and Woolworths. So, again, very well established companies in Australia. What also happens is that when one company grow and get bigger, it gets added to the 200. And if something gets smaller, it kind of falls out. So you're not going\n\nChannel 1: Okay.\n\nChannel 0: to have\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: it's\n\nChannel 0: kind\n\nChannel 1: always\n\nChannel 0: of\n\nChannel 1: good.\n\nChannel 0: same yeah.\n\nChannel 1: Yes. Yeah. It it's obviously, you know, just to keep the top 200, not just\n\nChannel 0: Correct.\n\nChannel 1: any 200. Yeah.\n\nChannel 0: 100\n\nChannel 1: That\n\nChannel 0: percent.\n\nChannel 1: makes sense?\n\nChannel 0: Exactly. Exactly.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: because of that, that's obviously a little bit different type of investing. It's it's kind of similar to a lot of the other ones. It is a bit cheaper because you don't have to have the whole same of buying and selling quickly and face with that. So it kind of is a little bit smoother. So it's a little bit cheaper, but it also has performed better than the vendor long investment for you.\n\nChannel 1: Perfect. Yeah. I'm happy with that. Yeah.\n\nChannel 0: Yep. Beautiful. So what I will do for you, just so that you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you an email. It is called a record of advice.\n\nBasically,\n\nChannel 1: Yep.\n\nChannel 0: what it is, it is showing you the transaction change. So it is changing the for the a Betashares a 200, and that's it. Just so that you have it in writing as well, that that's what we have done for you.\n\nChannel 1: Perfect. Thank you very\n\nChannel 0: Yeah.\n\nChannel 1: much.\n\nChannel 0: Perfect. No problem at all, Peter. Now if you can press next for me,\n\nChannel 1: Yep. Vanguard\n\nChannel 0: can you\n\nChannel 1: index card.\n\nChannel 0: yes. So this one here kind of refers back to our risk profiles, but it also gives us a good kind of overview of the market and what has happened in the world. Have you seen something like this before?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Perfect. So, yeah, it basically shows you all the market trends from 1995 through to 2025. The new one should come out soon because they do publish it at the end of each financial year, so the new one should come out soon.\n\nAnd it also\n\nChannel 1: Yep.\n\nChannel 0: breaks down the different asset classes. Now when we talk about a growth profile, which is how you are currently invested, we see about 80% invested in what we call your growth assets. Now these are a combination of your top four listed here. So The US\n\nChannel 1: Okay.\n\nChannel 0: shares, which is, like, the light green line, your Australian shares, which is, like, your dark green line, international shares, which is your yellow, and then the the property, which is, like, your maroon color. So it's a combination\n\nChannel 1: Yes.\n\nChannel 0: of these. So you can see here that these are the ones that grow the most, which is what we want when you still have plenty of time until retirement.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. But at the same time, we wanna have some of that defensive element like you said. You don't want high risk. So it's\n\nChannel 1: Yep.\n\nChannel 0: also about 20 in those bottom three. So that is, like, your defensive investment. So you can see that they don't grow as much. They're a bit more stable. They still grow, but a little bit more stable.\n\nSo it's\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: It looks\n\nChannel 0: of\n\nChannel 1: so\n\nChannel 0: balancing\n\nChannel 1: up and down.\n\nChannel 0: out.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: when we are also talking about a time frame, so making sure you have enough time for these kind of ups and downs, In a growth profile, ideally, we want to see at least six years until retirement. And if\n\nChannel 1: Yep.\n\nChannel 0: you are planning on retiring at 65 or later, you still have more than that time until you retire. So from a time frame, it is suitable for you where you are currently at if you are still happy happy with that.\n\nChannel 1: Definitely. Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Now if you press next for me, which one do you\n\nChannel 1: Yep.\n\nChannel 0: have there? Is\n\nChannel 1: Certificate\n\nChannel 0: that one path\n\nChannel 1: of Parengson.\n\nChannel 0: or a sender? Yes. Is that for a sender or for one path? Is\n\nChannel 1: Ascender.\n\nChannel 0: it same? A sender. Yeah. So you will have it just basically breaks down your insurances again in a bit more detail. So\n\nChannel 1: Yep.\n\nChannel 0: let me see. Even from here, it looks like it's all been paid. So\n\nChannel 1: You can yeah. You\n\nChannel 0: yeah.\n\nChannel 1: should\n\nChannel 0: It's\n\nChannel 1: have that lighter\n\nChannel 0: the\n\nChannel 1: if you want it just we\n\nChannel 0: yeah.\n\nChannel 1: can do a lighter\n\nChannel 0: Which because here here it even says through. So this is what's effective. When did you get the email? Sorry. Do you remember when you got\n\nChannel 1: It's\n\nChannel 0: the first\n\nChannel 1: a letter.\n\nChannel 0: reminder?\n\nChannel 1: It's dated the June 21. This letter was just dated.\n\nChannel 0: So they must have obviously realized it. I'll still triple check that for you.\n\nChannel 1: Yeah.\n\nChannel 0: But they must have realized it because if you look here, it says this letter confirms that your policy is current and active effective the 07/07/2020\n\nChannel 1: Okay.\n\nChannel 0: '6. So they obviously issued this after.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now I still haven't got your email yet, but maybe it's my Internet or maybe does it say sent on your end?\n\nChannel 1: Can I get out of where I am, or do not do I need to stay in here?\n\nChannel 0: May maybe we'll do it after. Maybe when\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: finish,\n\nChannel 1: Yeah.\n\nChannel 0: we'll go back\n\nChannel 1: Yes.\n\nChannel 0: just just to\n\nChannel 1: Yeah.\n\nChannel 0: make it easier.\n\nChannel 1: Yep. I can always reach Linda.\n\nChannel 0: Yeah. But here, it says this is effective. It's all paid, and it shows true that it's paid up until the 06/18/2027. So the signature\n\nChannel 1: Yes.\n\nChannel 0: is still active bill paid full. So a bit\n\nChannel 1: Perfect.\n\nChannel 0: strange how you got that one. It could have\n\nChannel 1: Yeah.\n\nChannel 0: been just\n\nChannel 1: Yeah.\n\nChannel 0: an admin error on their end that they\n\nChannel 1: Yep.\n\nChannel 0: thought you were paying it, but I'll still follow-up and send you an email just to be safe. But at least here,\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: appreciate\n\nChannel 0: got proof that it's paid\n\nChannel 1: it. Expired.\n\nChannel 0: and\n\nChannel 1: Yeah. That's\n\nChannel 0: it's\n\nChannel 1: all I did.\n\nChannel 0: enforced.\n\nChannel 1: So I'm covered. Yeah.\n\nChannel 0: Exactly.\n\nChannel 1: Lovely.\n\nChannel 0: Now if you press next, you will have the same one for your one part policy.\n\nChannel 1: Yes.\n\nChannel 0: Again,\n\nChannel 1: Got that\n\nChannel 0: just\n\nChannel 1: one.\n\nChannel 0: breaking down the insurances and shows you again that all paid and up to date. So that one\n\nChannel 1: Perfect.\n\nChannel 0: the next one should come out soon for you about the July 18.\n\nChannel 1: Lovely.\n\nChannel 0: That one is just a monthly. Now if you wanna press next for me, what can you see now?\n\nChannel 1: IT services. God.\n\nChannel 0: Yep. Yep. So you probably have seen this before. It is one of those compliance documents. It does give you all the important information in regards to us here at Oakview.\n\nI'll let you have a read over in your own time because it's 22 pages, so I don't\n\nChannel 1: No.\n\nChannel 0: wanna keep you here all night.\n\nChannel 1: No.\n\nChannel 0: But\n\nChannel 1: That's\n\nChannel 0: it does\n\nChannel 1: all.\n\nChannel 0: give you all the important information. Now we've had a bit of a change to marketing, a bit of an extension to the team, which is great, but none of the important information has changed from the copy that you would have got last year.\n\nChannel 1: Lovely.\n\nChannel 0: If\n\nChannel 1: Thank\n\nChannel 0: you, while you are in here, want to scroll down, though, to page 10,\n\nChannel 1: you.\n\nChannel 0: you will actually see a photo of myself there. And sometimes it is nice to put a face to the voice when we're doing things\n\nChannel 1: Okay.\n\nChannel 0: over\n\nChannel 1: There\n\nChannel 0: the\n\nChannel 1: you\n\nChannel 0: phone.\n\nChannel 1: are.\n\nChannel 0: Yeah.\n\nChannel 1: Bye bye. Yeah.\n\nChannel 0: And I think I'm next to so I'm next to Dana, which is the the person you spoke to last\n\nChannel 1: Alright.\n\nChannel 0: time, I believe.\n\nChannel 1: Yes. That's right.\n\nChannel 0: Yeah.\n\nChannel 1: I remember her name.\n\nChannel 0: Perfect.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yeah. Now if you press next for me,\n\nChannel 1: Yep.\n\nChannel 0: is that the one where it\n\nChannel 1: Options\n\nChannel 0: says hub\n\nChannel 1: to\n\nChannel 0: twin\n\nChannel 1: provide text phone number.\n\nChannel 0: yes. So this one here, it will ask you to add a little signature and date if you're happy to do so. Now what it is, it is just a compliance forms to say that we are keeping your tax fund number secure and safe on file. Yep.\n\nChannel 1: Yes. Can you can you need me to sign that now, or you I'll just go\n\nChannel 0: Yes.\n\nChannel 1: through and sign them on the on now?\n\nChannel 0: If you if you are happy to do so, then,\n\nChannel 1: Yeah.\n\nChannel 0: yes, that\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: Yeah.\n\nChannel 0: be good. But if you prefer\n\nChannel 1: Yep.\n\nChannel 0: to do it later, that's also okay.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Click\n\nChannel 0: then\n\nChannel 1: restart.\n\nChannel 0: you should.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Got it. So and then it will start. Okay. So oh, surely done. You just add that?\n\nChannel 0: Yep. Now\n\nChannel 1: Yeah.\n\nChannel 0: if you press next, does it say consent to ongoing fee arrangement?\n\nChannel 1: Oh, I've I've went to start signing.\n\nChannel 0: Yes.\n\nChannel 1: So I'm now on a page where it says adopt your signature,\n\nChannel 0: Yes. Yes.\n\nChannel 1: and then no clicks I can sign all as opposed to\n\nChannel 0: Yes.\n\nChannel 1: sign or cancel. So if I just click sign all.\n\nChannel 0: Yes.\n\nChannel 1: And the date, I need to put the date in.\n\nChannel 0: Yes. Sometimes it does it automatically. It depends on, like,\n\nChannel 1: I'd had\n\nChannel 0: phone.\n\nChannel 1: '15. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Sorry.\n\nChannel 0: No. That's\n\nChannel 1: Next\n\nChannel 0: okay.\n\nChannel 1: document. Consent to new ongoing fee arrangement. Yep.\n\nChannel 0: Yep. So this is the other one. This is the last one that it will also ask you to sign if you're happy to do so. Now what this one here is, it is a a ongoing service agreement. So, basically, what it says is that you are happy to stay on as a client.\n\nNow the fee structure, it is\n\nChannel 1: Yep.\n\nChannel 0: not changing. It's not increasing. It stays exactly the same. Because both you and Sarah Jane are clients, you guys are on that reduced couple fee, which is lovely. So that's\n\nChannel 1: Yeah.\n\nChannel 0: 1.1 from super. So it is not increasing or changing. It is exactly the same. Now it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.\n\nChannel 1: Okay.\n\nChannel 0: Signing this basically allows us to keep managing your account, your investments, and everything until next under review where you have to sign another one. So every twelve months, you have to sign it in order for us to keep managing\n\nChannel 1: Yep.\n\nChannel 0: everything\n\nChannel 1: That makes\n\nChannel 0: to\n\nChannel 1: sense.\n\nChannel 0: make sure you are happy. But it is not a lock in contract, and the fee is deducted on a monthly basis. So it's not like you are committing to a full year either.\n\nChannel 1: Okay. Lovely.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Send it right.\n\nChannel 0: Now that was the last document. And yep. Perfect. I can so that one came through right away.\n\nChannel 1: Yeah. That's cool.\n\nChannel 0: If yeah. If you could\n\nChannel 1: It\n\nChannel 0: go\n\nChannel 1: took\n\nChannel 0: back\n\nChannel 1: longer\n\nChannel 0: to\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: actually\n\nChannel 0: other\n\nChannel 1: verify\n\nChannel 0: one.\n\nChannel 1: than it did to come through.\n\nChannel 0: Yeah. Can you go into your sent one for me and see if it bounced back or whether\n\nChannel 1: Yeah.\n\nChannel 0: it says it was sent?\n\nChannel 1: Yep. Well, I'm on the notification. Sent. Oh, yeah. It didn't.\n\nIt's not in my sandbox. Sorry. Now what happened?\n\nChannel 0: Yeah. This one came through fast. Sorry. Internet must be good.\n\nChannel 1: Yeah. It's on there. Oh, okay. It's it's a draft. So obviously, yeah, which is still.\n\nChannel 0: You need my email address again?\n\nChannel 1: No. No. No. I've got that. It was still there.\n\nIt just didn't send it. It's like a draft. So but the pictures, I'm not sure. I'm just gonna hit send as is so I can\n\nChannel 0: Yeah.\n\nChannel 1: you don't need me to explain what's going\n\nChannel 0: No.\n\nChannel 1: on.\n\nChannel 0: No. That's all good.\n\nChannel 1: Doesn't seem to it's just literally not sending, which is weird. I've had this before.\n\nChannel 0: Is there because how many attachments are there? Like, how many photos?\n\nChannel 1: One, two, three, four, five, six.\n\nChannel 0: That should be that should be\n\nChannel 1: And the\n\nChannel 0: fine.\n\nChannel 1: pictures are kind of weird, but it's\n\nChannel 0: Even if you wanna send it, like you can do it after after we get off the phone. That's okay. Even if you wanted to just send it in two emails, if it's like a a file limit, sometimes there is\n\nChannel 1: okay.\n\nChannel 0: that you can only send, like, x amount of size\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: It's\n\nChannel 0: if you wanna\n\nChannel 1: yeah.\n\nChannel 0: do, like, the three photos and then just send me straight away another one, that three,\n\nChannel 1: Yep.\n\nChannel 0: or\n\nChannel 1: Okay.\n\nChannel 0: see how you go. I will keep a lookout for that email. And like I said, I will call Asana tomorrow just to kind of check-in, and I will respond just to make sure that's all good.\n\nChannel 1: Yep.\n\nChannel 0: If you keep having issues where it's not sending to my email, which is strange, You can even just send it through, like, info@oqfinancial.com.au, and then the team will forward that to me if for\n\nChannel 1: Okay.\n\nChannel 0: some reason you keep having issues.\n\nChannel 1: I'm just running it down.\n\nChannel 0: Yeah. But I did receive the other\n\nChannel 1: Yeah.\n\nChannel 0: one. So\n\nChannel 1: Yeah. What if I I mean, the email address is rob, monica, yeah,\n\nChannel 0: And\n\nChannel 1: at\n\nChannel 0: it's\n\nChannel 1: vogue\n\nChannel 0: it's\n\nChannel 1: view.\n\nChannel 0: v e\n\nChannel 1: Oh, hang on.\n\nChannel 0: r o n\n\nChannel 1: I'm\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: k a?\n\nChannel 1: yeah. I'm missing the e in vogue view, so let me just apply it by.\n\nChannel 0: Maybe\n\nChannel 1: Okay.\n\nChannel 0: that's why.\n\nChannel 1: Hold on. One, let me edit it. Oh, look. I'm just gonna\n\nChannel 0: If you wanna start\n\nChannel 1: I'm\n\nChannel 0: new,\n\nChannel 1: just\n\nChannel 0: that's\n\nChannel 1: gonna\n\nChannel 0: okay.\n\nChannel 1: start again.\n\nChannel 0: Yep.\n\nChannel 1: It's still not going through. Look. I've always attached photos. I do send\n\nChannel 0: Yeah.\n\nChannel 1: quite a few, but it's it it's sending as a JPEG.\n\nChannel 0: Maybe do you want me to read read out the aim the full email address just to be sure?\n\nChannel 1: It's a big, you reckon. The v e r o n I k a\n\nChannel 0: Yes.\n\nChannel 1: @oqfinancial.com.au.\n\nChannel 0: Yes. That's correct.\n\nChannel 1: Yeah. It's it's not yeah. I don't think people with me, and I'll persist, and I'll\n\nChannel 0: Okay.\n\nChannel 1: yeah. Sarah's here. So\n\nChannel 0: Okay.\n\nChannel 1: if I have problems like I said, if this doesn't go through, I'll send it through to the info at Oakview Financial.\n\nChannel 0: Yes. Yes. And\n\nChannel 1: I'll\n\nChannel 0: then\n\nChannel 1: put\n\nChannel 0: the team\n\nChannel 1: attention\n\nChannel 0: will forward\n\nChannel 1: Veronica.\n\nChannel 0: that to me.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: That'll be great. And I will get that, and I'll follow-up with that\n\nChannel 1: It\n\nChannel 0: tomorrow\n\nChannel 1: is with\n\nChannel 0: for\n\nChannel 1: a cat.\n\nChannel 0: you. Yes. Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now also keep a lookout for that email with that record of advice that we'll send through to you, and we will also that process that notice of intent. So once that's been processed with how many four, I'll the team to send you that confirmation, and then you can just forward that onto your accountant as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Lovely.\n\nChannel 0: Perfect. Do you have any other questions for me, otherwise, before I let you go and enjoy your evening?\n\nChannel 1: No. I'm I'm all\n\nChannel 0: No?\n\nChannel 1: good. Just to send a\n\nChannel 0: Yeah.\n\nChannel 1: letter with the only question. So, no, it's\n\nChannel 0: Yeah.\n\nChannel 1: and it's paid\n\nChannel 0: Okay.\n\nChannel 1: for, and I'm I'm covered. So, yeah, I'm not worried\n\nChannel 0: Yeah.\n\nChannel 1: about it anymore.\n\nChannel 0: Yeah. Perfect. I'll still follow-up with you, though, just so you have it in writing\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: just to be\n\nChannel 1: Thank\n\nChannel 0: safe. But we\n\nChannel 1: you.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: confirmation that's paid, so that's good.\n\nChannel 1: Yep.\n\nChannel 0: Must have been error. If there's anything else that you need, though, don't hesitate to give me a call or send me an email.\n\nChannel 1: Appreciate your time.\n\nChannel 0: Mhmm. No problem at all. You enjoy the rest of your afternoon there, Rita.\n\nChannel 1: You too, Veronica. Thank you.\n\nChannel 0: Thanks.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.32,"sentiment":"neutral","sentiment_score":0.06401742994785309},{"text":"Speaking.","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.05825275927782059},{"text":"How are you?","start":0.96,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.11495349556207655}],"sentiment":"neutral","sentiment_score":0.09342613518238067,"channel":1,"num_words":5,"start":0.08,"end":1.6999999},{"sentences":[{"text":"Good afternoon, Peter.","start":1.92,"end":3.04,"sentiment":"neutral","sentiment_score":0.31481774648030597},{"text":"This is Veronica from Oakview Financial.","start":3.04,"end":4.98,"sentiment":"neutral","sentiment_score":0.25228967765967053},{"text":"How are you?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.19484360019365946}],"sentiment":"neutral","sentiment_score":0.2535601754983266,"channel":0,"num_words":12,"start":1.92,"end":5.8599997},{"sentences":[{"text":"Good.","start":6.0,"end":6.24,"sentiment":"positive","sentiment_score":0.4900782704353333},{"text":"Thank you.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5917291343212128},{"text":"Finally","start":6.8799996,"end":7.3799996,"sentiment":"positive","sentiment_score":0.3344328999519348}],"sentiment":"positive","sentiment_score":0.5019923597574234,"channel":1,"num_words":4,"start":6.0,"end":7.3799996},{"sentences":[{"text":"That's","start":7.52,"end":8.02,"sentiment":"positive","sentiment_score":0.47034236788749695}],"sentiment":"positive","sentiment_score":0.47034236788749695,"channel":0,"num_words":1,"start":7.52,"end":8.02},{"sentences":[{"text":"finally","start":9.04,"end":9.36,"sentiment":"neutral","sentiment_score":0.23943203687667847}],"sentiment":"neutral","sentiment_score":0.23943203687667847,"channel":1,"num_words":1,"start":9.04,"end":9.36},{"sentences":[{"text":"good.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.49521762132644653}],"sentiment":"positive","sentiment_score":0.49521762132644653,"channel":0,"num_words":1,"start":9.04,"end":9.54},{"sentences":[{"text":"get to chat.","start":9.36,"end":10.26,"sentiment":"neutral","sentiment_score":0.2907293140888214}],"sentiment":"neutral","sentiment_score":0.2907293140888214,"channel":1,"num_words":3,"start":9.36,"end":10.26},{"sentences":[{"text":"Yes.","start":10.96,"end":11.44,"sentiment":"neutral","sentiment_score":0.006635177880525589},{"text":"Apologies","start":11.44,"end":11.94,"sentiment":"neutral","sentiment_score":-0.09987255185842514}],"sentiment":"neutral","sentiment_score":-0.046618686988949776,"channel":0,"num_words":2,"start":10.96,"end":11.94},{"sentences":[{"text":"Speedy","start":12.095,"end":12.415,"sentiment":"neutral","sentiment_score":-0.0961463525891304}],"sentiment":"neutral","sentiment_score":-0.0961463525891304,"channel":1,"num_words":1,"start":12.095,"end":12.415},{"sentences":[{"text":"for 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risk","start":1102.815,"end":1106.975,"sentiment":"neutral","sentiment_score":-0.07374449645479521}],"sentiment":"neutral","sentiment_score":-0.07374449645479521,"channel":1,"num_words":15,"start":1102.815,"end":1106.975},{"sentences":[{"text":"Yep.","start":1106.755,"end":1107.255,"sentiment":"neutral","sentiment_score":-0.004232383333146572}],"sentiment":"neutral","sentiment_score":-0.004232383333146572,"channel":0,"num_words":1,"start":1106.755,"end":1107.255},{"sentences":[{"text":"it.","start":1106.975,"end":1107.215,"sentiment":"neutral","sentiment_score":-0.009047919884324074},{"text":"So","start":1107.215,"end":1107.715,"sentiment":"neutral","sentiment_score":0.01926903799176216}],"sentiment":"neutral","sentiment_score":0.005110559053719044,"channel":1,"num_words":2,"start":1106.975,"end":1107.715},{"sentences":[{"text":"Yep.","start":1107.715,"end":1108.215,"sentiment":"neutral","sentiment_score":0.03497849404811859}],"sentiment":"neutral","sentiment_score":0.03497849404811859,"channel":0,"num_words":1,"start":1107.715,"end":1108.215},{"sentences":[{"text":"yeah.","start":1108.015,"end":1108.41,"sentiment":"neutral","sentiment_score":0.028300931677222252}],"sentiment":"neutral","sentiment_score":0.028300931677222252,"channel":1,"num_words":1,"start":1108.015,"end":1108.41},{"sentences":[{"text":"So it's kind of wanting some growth, but obviously not high growth or aggressive.","start":1108.6749,"end":1112.455,"sentiment":"neutral","sentiment_score":-0.02177280656594251}],"sentiment":"neutral","sentiment_score":-0.02177280656594251,"channel":0,"num_words":14,"start":1108.6749,"end":1112.455},{"sentences":[{"text":"Yeah.","start":1113.13,"end":1113.61,"sentiment":"neutral","sentiment_score":0.04233231395483017},{"text":"Yep.","start":1113.61,"end":1114.11,"sentiment":"neutral","sentiment_score":0.05902181193232536}],"sentiment":"neutral","sentiment_score":0.050677062943577766,"channel":1,"num_words":2,"start":1113.13,"end":1114.11},{"sentences":[{"text":"Yep.","start":1114.16,"end":1114.66,"sentiment":"neutral","sentiment_score":0.06821251660585403},{"text":"Now if you place an investment and then you found out that it it fell due to general trends in the market.","start":1115.12,"end":1123.54,"sentiment":"neutral","sentiment_score":-0.06745448386804624},{"text":"So you placed an investment and it dropped.","start":1124.16,"end":1126.42,"sentiment":"neutral","sentiment_score":-0.08253559237346053},{"text":"Would you, if you had the option to do so, I think that, well, now is potentially a good time to put a little bit more in while the prices are down.","start":1127.0549,"end":1134.5149,"sentiment":"neutral","sentiment_score":0.060502434615045786},{"text":"Would you kind of be a bit neutral, just kind of wait and see what happens, or would you want to sell?","start":1135.0549,"end":1141.3949,"sentiment":"neutral","sentiment_score":-0.04153244705362753}],"sentiment":"neutral","sentiment_score":-0.01239655052914339,"channel":0,"num_words":85,"start":1114.16,"end":1141.3949},{"sentences":[{"text":"Probably be tempted to put a little bit more in.","start":1145.98,"end":1148.0,"sentiment":"neutral","sentiment_score":-0.00403485968708992},{"text":"I","start":1148.0599,"end":1148.14,"sentiment":"neutral","sentiment_score":0.23086082935333252}],"sentiment":"neutral","sentiment_score":0.017319293862039394,"channel":1,"num_words":11,"start":1145.98,"end":1148.14},{"sentences":[{"text":"Yep.","start":1148.12,"end":1148.62,"sentiment":"neutral","sentiment_score":0.25881844758987427}],"sentiment":"neutral","sentiment_score":0.25881844758987427,"channel":0,"num_words":1,"start":1148.12,"end":1148.62},{"sentences":[{"text":"mean, it's at an advantage to pay it off quicker while it's down.","start":1148.14,"end":1150.94,"sentiment":"neutral","sentiment_score":0.31751525631317723},{"text":"Yeah.","start":1150.94,"end":1151.44,"sentiment":"neutral","sentiment_score":0.12934526801109314}],"sentiment":"neutral","sentiment_score":0.3040745428630284,"channel":1,"num_words":14,"start":1148.14,"end":1151.44},{"sentences":[{"text":"Yeah.","start":1151.4801,"end":1151.9801,"sentiment":"neutral","sentiment_score":0.08400646597146988},{"text":"No.","start":1152.28,"end":1152.6001,"sentiment":"neutral","sentiment_score":0.08702822774648666},{"text":"Perfect.","start":1152.6001,"end":1153.1001,"sentiment":"positive","sentiment_score":0.3634294867515564},{"text":"And next is when it comes to fluctuations.","start":1153.815,"end":1157.7549,"sentiment":"neutral","sentiment_score":0.13893659133464098},{"text":"So, obviously, there's going to be times in the market where things do fluctuate.","start":1158.0549,"end":1161.5149,"sentiment":"neutral","sentiment_score":0.08122369274497032}],"sentiment":"neutral","sentiment_score":0.111323544383049,"channel":0,"num_words":25,"start":1151.4801,"end":1161.5149},{"sentences":[{"text":"Some years are gonna be obviously better than others depending on what is going on in in the world and the market.","start":1162.215,"end":1167.355,"sentiment":"neutral","sentiment_score":0.14112074842507188},{"text":"Now if there's ever any point in time where any of your investments, so super, any other investments are are down temporarily, how would that make you feel?","start":1167.88,"end":1178.54,"sentiment":"neutral","sentiment_score":0.05924778099038771},{"text":"Would you say optimistic about potential future opportunities to invest in?","start":1178.84,"end":1185.125,"sentiment":"neutral","sentiment_score":0.23729705200953918},{"text":"A bit kind of neutral, not making any further investments?","start":1185.6649,"end":1189.205,"sentiment":"neutral","sentiment_score":-0.14816171154379845},{"text":"Concerned or highly anxious?","start":1190.5449,"end":1192.565,"sentiment":"negative","sentiment_score":-0.3493831604719162}],"sentiment":"neutral","sentiment_score":0.05992949530482292,"channel":0,"num_words":75,"start":1162.215,"end":1192.565},{"sentences":[{"text":"No.","start":1194.21,"end":1194.45,"sentiment":"neutral","sentiment_score":-0.3139629364013672},{"text":"Go with kind of just going with the flow like the second 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know, it's gonna go up and down.","start":1199.01,"end":1200.45,"sentiment":"neutral","sentiment_score":0.1722211129963398},{"text":"So, yeah, you can just go","start":1200.45,"end":1201.83,"sentiment":"neutral","sentiment_score":0.10606056575973828}],"sentiment":"neutral","sentiment_score":0.143866592752082,"channel":1,"num_words":14,"start":1199.01,"end":1201.83},{"sentences":[{"text":"Exactly.","start":1201.65,"end":1202.15,"sentiment":"neutral","sentiment_score":0.08906839787960052}],"sentiment":"neutral","sentiment_score":0.08906839787960052,"channel":0,"num_words":1,"start":1201.65,"end":1202.15},{"sentences":[{"text":"to 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borrowing money.","start":1207.835,"end":1211.455,"sentiment":"neutral","sentiment_score":-0.001926398751410571},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1211.755,"end":1217.375,"sentiment":"neutral","sentiment_score":-0.017904759446779887}],"sentiment":"neutral","sentiment_score":-0.0012355451953822189,"channel":0,"num_words":29,"start":1206.475,"end":1217.375},{"sentences":[{"text":"No.","start":1219.62,"end":1220.12,"sentiment":"neutral","sentiment_score":-0.1361435055732727},{"text":"Definitely not.","start":1220.5,"end":1221.48,"sentiment":"neutral","sentiment_score":-0.1135106086730957}],"sentiment":"neutral","sentiment_score":-0.12105490763982137,"channel":1,"num_words":3,"start":1219.62,"end":1221.48},{"sentences":[{"text":"No.","start":1221.21,"end":1221.71,"sentiment":"neutral","sentiment_score":-0.10145876556634904},{"text":"Would you consider taking out a loan to buy an investment 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The representatives offer voluntary contributions of 18,000 dollars to his super plan and explain the benefits of regular contributions and tax-free after-tax contributions. The agents also discuss financial and risk profile questionnaire and recommend reducing risk to reduce risk for superannaps and investment portfolios. The agents provide information on retirement timeline, compliance forms, and tax fund numbers, and provide guidance on signing and sending emails."},"intents":{"segments":[{"text":"How are you? Good afternoon, Peter. This is Veronica from Oakview Financial. How are you? Good. Thank you. Finally That's good. finally get to chat. Yes.","start_word":2,"end_word":27,"intents":[{"intent":"Schedule conversation","confidence_score":0.006246452}]},{"text":"This is Veronica from Oakview Financial. How are you? Good.","start_word":8,"end_word":17,"intents":[{"intent":"Provide information","confidence_score":0.048107795}]},{"text":"I'm just gonna pour a coffee and get into it. 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So I'm not sure where you are, but it's Yeah.","start_word":242,"end_word":276,"intents":[{"intent":"Mention weather","confidence_score":0.0077040154}]},{"text":"Now, Peter, before I kind of jump into the under review, I do typically like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. Yeah.","start_word":356,"end_word":414,"intents":[{"intent":"Get update","confidence_score":0.0015738993}]},{"text":"Now, Peter, before I kind of jump into the under review, I do typically like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. Yeah. Just an update.","start_word":356,"end_word":417,"intents":[{"intent":"Place review","confidence_score":0.00013295075}]},{"text":"I that I owe $7,382. So it's I'm okay if I if I do owe that, but I'm not sure if that was meant to be deducted out of the every account or whether I pay that separately. Let me triple check for you.","start_word":446,"end_word":489,"intents":[{"intent":"Pay for bill","confidence_score":0.022583222}]},{"text":"to forward me the email or take a photo if Yeah.","start_word":651,"end_word":661,"intents":[{"intent":"Forward email","confidence_score":0.108639136}]},{"text":"So I'll probably set up, like, a minimal monthly amount. And then from Yep. there, I'll kind of adjust it if I need to add more or less or adjust it. 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If you change Yeah. it to pretax, it could be tax consequences depending on who receives it.","start_word":1635,"end_word":1683,"intents":[{"intent":"Determine tax consequences","confidence_score":0.15611218}]},{"text":"So what I will let the team know is that you wanna obviously claim that notice 07/10 on the 18000.","start_word":1837,"end_word":1856,"intents":[{"intent":"Claim notice","confidence_score":0.112299606}]},{"text":"obviously do the lodgment to obviously get the tax back so we can change it in hub twenty four for you. Okay.","start_word":2295,"end_word":2316,"intents":[{"intent":"Report tax changes","confidence_score":0.00005233719}]},{"text":"if you go over that, there is different strategies where you can it gets a bit technical, but you can use unused spaces from previous years to kind of catch up. Okay. Yep.","start_word":2581,"end_word":2613,"intents":[{"intent":"Explain unused spaces","confidence_score":0.000027800163}]},{"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 a very high risk, high, moderate, or a small amount of risk for your superannuation? Probably moderate. But Moderate? what level I have, I think I need to kinda preserve it rather than risk Yep. it.","start_word":3277,"end_word":3337,"intents":[{"intent":"Preserve and maintain risk","confidence_score":0.000003626698}]},{"text":"Now if you place an investment and then you found out that it it fell due to general trends in the market. So you placed an investment and it dropped. Would you, if you had the option to do so, I think that, well, now is potentially a good time to put a little bit more in while the prices are down. Would you kind of be a bit neutral, just kind of wait and see what happens, or would you want to sell?","start_word":3358,"end_word":3441,"intents":[{"intent":"Place investment","confidence_score":0.05221164}]},{"text":"I'm just about to hit send on this. I've taken pictures of this letter from the sender. Yes. So Yes.","start_word":3802,"end_word":3821,"intents":[{"intent":"Send letter","confidence_score":0.8403473},{"intent":"Press 'send'","confidence_score":0.0000032124428}]},{"text":"I'll I'll check out what you send me. Yeah.","start_word":3836,"end_word":3844,"intents":[{"intent":"Check status","confidence_score":0.002146366}]},{"text":"Now with the email as well, have a look at your spam because it sure. could end up there because we Yep. have just changed software. So if it's the first first time through the new software, it may recognize it as a spam email, but it should say directly from me. Yep.","start_word":3964,"end_word":4016,"intents":[{"intent":"Check spam","confidence_score":0.044388946}]},{"text":"have just changed software. So if it's the first first time through the new software, it may recognize it as a spam email, but it should say directly from me. Yep.","start_word":3986,"end_word":4016,"intents":[{"intent":"Check software","confidence_score":0.039770678}]},{"text":"I've Now got it will say click here to sign sign documents or signature request, it. but it will allow you so when you click on it, it's not gonna ask you to sign right away. Yep.","start_word":4063,"end_word":4099,"intents":[{"intent":"Sign documents","confidence_score":0.041241426}]},{"text":"There should be a couple of documents.","start_word":4138,"end_word":4144,"intents":[{"intent":"Open document","confidence_score":0.35422814}]},{"text":"The first one you should see is the one where it says super and insurance summary. Can you see that one?","start_word":4146,"end_word":4166,"intents":[{"intent":"Provide insurance","confidence_score":0.0055834446}]},{"text":"But I will check those emails when they come through as well just to Yep.","start_word":4239,"end_word":4253,"intents":[{"intent":"Check emails","confidence_score":0.12601244}]},{"text":"paying for it out of pocket, and there's obviously enough money in Super, so that shouldn't be a decline. Yeah.","start_word":4265,"end_word":4284,"intents":[{"intent":"Confirm cost","confidence_score":0.00072217657}]},{"text":"Just checking So the policy number. It's the same number. So it's the same policy number on there. So it's yeah. yeah.","start_word":4285,"end_word":4306,"intents":[{"intent":"Confirm policy","confidence_score":0.32776716}]},{"text":"I will I'll I'll leave that one with you. Yeah. yes.","start_word":4313,"end_word":4323,"intents":[{"intent":"Leave confirmation","confidence_score":0.094297275}]},{"text":"I will send you an email once I have spoken to them, though, just so you confirmation. They have they're closed in about five minutes, but I will give them a call tomorrow and Yep. follow-up Perfect.","start_word":4324,"end_word":4360,"intents":[{"intent":"Schedule call","confidence_score":0.0004160444}]},{"text":"Now you have life and CPD. So you have about 262,500 Yep. Yes. if something were to happen. And then you also have an income and that will pay a monthly amount of 4,806 per month. And Yep. then you also have a thirty day waiting period, a five year benefit period. And because it's paid from within super, you do get that 15% tax rebate. So the total premium is 6,275. Lovely.","start_word":4387,"end_word":4459,"intents":[{"intent":"Provide benefits","confidence_score":0.0026920403}]},{"text":"then you also have a thirty day waiting period, a five year benefit period. And because it's paid from within super, you do get that 15% tax rebate. So the total premium is 6,275. Lovely.","start_word":4425,"end_word":4459,"intents":[{"intent":"Provide monthly premium","confidence_score":0.0004071791}]},{"text":"covered for income protection is a little bit tricky. So how it works is at the time of claim, they will cover you for up to 70% of your income. Yep.","start_word":4562,"end_word":4592,"intents":[{"intent":"Determine income coverage","confidence_score":0.002686156}]},{"text":"Because by reducing it, it's super easy. It's just a quick form. Insurers are happy. They take on less risk. If you Yeah.","start_word":4855,"end_word":4877,"intents":[{"intent":"Reduce insurance cost","confidence_score":0.01799644}]},{"text":"Because by reducing it, it's super easy. It's just a quick form. Insurers are happy. They take on less risk. If you Yeah. then let's say we reduce it to 3,000 a month, And then let's say six months later, things are going great. You're earning more money and you go, I wanna offer to 6,000 a month.","start_word":4855,"end_word":4912,"intents":[{"intent":"Offer reduction in insurance","confidence_score":0.00008211923}]},{"text":"The insurance will be like, okay. Well, we need to reassess your risk, basically, and go through that whole insurance application again and seeing what they offer.","start_word":4912,"end_word":4938,"intents":[{"intent":"Analyze insurance performance","confidence_score":0.000026480173}]},{"text":"Well, we need to reassess your risk, basically, and go through that whole insurance application again and seeing what they offer.","start_word":4918,"end_word":4938,"intents":[{"intent":"Reassess risk","confidence_score":0.14927177}]},{"text":"Now you have life, total permanent disability, and trauma insurance, and Yes. that's all 213,431 for each of them. Total premium is 566 per month. Yes. You're still happy with that cover as well? Yep. Yeah.","start_word":5027,"end_word":5062,"intents":[{"intent":"Consolidate insurance coverage","confidence_score":0.00075616286}]},{"text":"hub twenty four performance report. Can Yeah.","start_word":5083,"end_word":5089,"intents":[{"intent":"Provide performance report","confidence_score":0.05124066}]},{"text":"So, obviously, with the the market, I'm sure you would have heard or seen on the news, it's been a bit of a turbulent last twelve months.","start_word":5170,"end_word":5196,"intents":[{"intent":"Understand market conditions","confidence_score":0.0048476844}]},{"text":"this is the one that I would like to look at changing for you. Now Yep.","start_word":5577,"end_word":5592,"intents":[{"intent":"Change investments","confidence_score":0.06782121}]},{"text":"be a little bit more expensive, so you wanna make sure that the performance outweighs the fees as well. Yes.","start_word":5679,"end_word":5698,"intents":[{"intent":"Understand performance","confidence_score":0.017424745}]},{"text":"what we have, Yep. yeah, what we have found is an alternative, which is called BetaShares Australia two hundred. Yep.","start_word":5770,"end_word":5789,"intents":[{"intent":"Explore alternative investments","confidence_score":0.0036949057}]},{"text":"Now how this one is a bit different because if we are swapping an Australian investment, we also wanna make sure that we add another Australian investment to keep diversification because we don't want everything in The US or everything in emerging markets. We wanna keep the diversification and still give you some exposure to the Australian market. Just Yes.","start_word":5790,"end_word":5849,"intents":[{"intent":"Evaluate diversification","confidence_score":0.01727282}]},{"text":"breaks down the different asset classes.","start_word":6308,"end_word":6313,"intents":[{"intent":"Understand asset classes","confidence_score":0.0051302086}]},{"text":"But at the same time, we wanna have some of that defensive element like you said. You don't want high risk. So it's Yep. also about 20 in those bottom three. So that is, like, your defensive investment. So you can see that they don't grow as much. They're a bit more stable. They still grow, but a little bit more stable. So it's Yeah.","start_word":6428,"end_word":6492,"intents":[{"intent":"Understand investment strategies","confidence_score":0.0134485075}]},{"text":"kind It looks of so balancing up and down. out. Yeah. Exactly.","start_word":6493,"end_word":6504,"intents":[{"intent":"Balance investment portfolio","confidence_score":0.004495234}]},{"text":"you are planning on retiring at 65 or later, you still have more than that time until you retire. So from a time frame, it is suitable for you where you are currently at if you are still happy happy with that. Definitely.","start_word":6549,"end_word":6591,"intents":[{"intent":"Understand time frame for retirement","confidence_score":0.016099717}]},{"text":"But they must have realized it because if you look here, it says this letter confirms that your policy is current and active effective the 07/07/2020 Okay.","start_word":6749,"end_word":6775,"intents":[{"intent":"Verify policy details","confidence_score":0.041398864}]},{"text":"It is one of those compliance documents. It does give you all the important information in regards to us here at Oakview.","start_word":7045,"end_word":7066,"intents":[{"intent":"Access compliance documents","confidence_score":0.006989425}]},{"text":"So I'm now on a page where it says adopt your signature, Yes. Yes.","start_word":7408,"end_word":7421,"intents":[{"intent":"Verify signature details","confidence_score":0.004122769}]},{"text":"it says it was sent? Yep.","start_word":7774,"end_word":7779,"intents":[{"intent":"Send notification","confidence_score":0.091366485}]},{"text":"it says it was sent? Yep. Well, I'm on the notification. Sent. Oh, yeah. It didn't. It's not in my sandbox. Sorry. Now what happened?","start_word":7774,"end_word":7798,"intents":[{"intent":"Report email issue","confidence_score":0.015098257}]},{"text":"You need my email address again?","start_word":7825,"end_word":7830,"intents":[{"intent":"Provide email address","confidence_score":0.22321309},{"intent":"Discuss email address","confidence_score":0.00020119848},{"intent":"Check status of email","confidence_score":0.0009395723}]},{"text":"Is there because how many attachments are there? Like, how many photos?","start_word":7897,"end_word":7908,"intents":[{"intent":"Inquire about attachments","confidence_score":0.02897555}]},{"text":"Even if you wanted to just send it in two emails, if it's like a a file limit, sometimes there is okay. that you can only send, like, x amount of size Yeah.","start_word":7951,"end_word":7983,"intents":[{"intent":"Clarify email size","confidence_score":0.0028824601}]},{"text":"I will keep a lookout for that email. And like I said, I will call Asana tomorrow just to kind of check-in, and I will respond just to make sure that's all good. Yep.","start_word":8013,"end_word":8046,"intents":[{"intent":"Schedule call with asana","confidence_score":0.0023740386}]},{"text":"What if I I mean, the email address is rob, monica, yeah, And at it's vogue it's view.","start_word":8105,"end_word":8122,"intents":[{"intent":"Confirm email address","confidence_score":0.021817068}]},{"text":"if I have problems like I said, if this doesn't go through, I'll send it through to the info at Oakview Financial. Yes.","start_word":8265,"end_word":8287,"intents":[{"intent":"Send email","confidence_score":0.21551464},{"intent":"Provide information","confidence_score":0.018696511}]},{"text":"And I will get that, and I'll follow-up with that It tomorrow is with for a cat. you.","start_word":8309,"end_word":8326,"intents":[{"intent":"Follow up with email","confidence_score":0.007164182}]},{"text":"And I will get that, and I'll follow-up with that It tomorrow is with for a cat. you. Yes.","start_word":8309,"end_word":8327,"intents":[{"intent":"Follow up with response","confidence_score":0.00003712421}]},{"text":"Now also keep a lookout for that email with that record of advice that we'll send through to you, and we will also that process that notice of intent. So once that's been processed with how many four, I'll the team to send you that confirmation, and then you can just forward that onto your accountant as well. Yep.","start_word":8331,"end_word":8389,"intents":[{"intent":"Send confirmation","confidence_score":0.06434847}]},{"text":"So once that's been processed with how many four, I'll the team to send you that confirmation, and then you can just forward that onto your accountant as well. Yep.","start_word":8360,"end_word":8389,"intents":[{"intent":"Provide contact number","confidence_score":0.0002648236}]},{"text":"Lovely. Perfect.","start_word":8391,"end_word":8392,"intents":[{"intent":"Express gratitude","confidence_score":0.20273902}]},{"text":"Do you have any other questions for me, otherwise, before I let you go and enjoy your evening?","start_word":8393,"end_word":8410,"intents":[{"intent":"Provide assistance","confidence_score":0.0052997502}]},{"text":"Do you have any other questions for me, otherwise, before I let you go and enjoy your evening? No.","start_word":8393,"end_word":8411,"intents":[{"intent":"Answer questions","confidence_score":0.001612406},{"intent":"Discuss future questions","confidence_score":0.00037602}]}]},"sentiments":{"segments":[{"text":"Hi. Speaking. How are you? Good afternoon, Peter. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.20388203859329224},{"text":"Good. Thank you. Finally That's good.","start_word":17,"end_word":22,"sentiment":"positive","sentiment_score":0.49372267723083496},{"text":"finally get to chat. Yes. Apologies Speedy for the what? mix up of the time difference when the No. booking That's was okay. made for the last time. That's fine. That's alright. You still have some time to go beyond Yeah. review Yep. now? Yep. I'm I'm Yeah. settled. The kettle's on. I'm just gonna pour a coffee and get into it. So yeah. Sounds Yep. good. Now, Peter, 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. That's fine. Yep. Yeah. Perfect. And just for security purposes as well, just so that I can confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? It's Peter James Holmes. 28th Of The 8 72. 17 Gairdner Yep. Lane, Mawson Lakes, South Australia 5 Yep. 095. Perfect. And how's your day been? Been busy? Yep. Pretty good. Yeah. We're just working Yeah. on a custom deck. So, you know, just another another job, another build. So I I do brand as a big goal. So it's just one job to another. But, yeah, Yeah. every job is different.","start_word":23,"end_word":231,"sentiment":"neutral","sentiment_score":0.06480701267719269},{"text":"So, yeah, I I love the challenge. It's good.","start_word":232,"end_word":240,"sentiment":"positive","sentiment_score":0.5057686567306519},{"text":"Yeah. And the weather's Oh, picked that's up for us here in South Australia. It's a bit sunny yeah. today. Still cold, but a bit sunny. So I'm not sure where you are, but it's Yeah. Same. We're we're on the Gold a Coast, and it's Yep. when the sun's out, it's lovely. But in the morning, it's quite chilly. Alright. It was seven, yeah, this morning and quite foggy everywhere, which is a bit unusual. So, yeah, it was a bit of a cold one this morning, but Yeah.","start_word":241,"end_word":330,"sentiment":"neutral","sentiment_score":0.0006262872782018449},{"text":"it's come I think we had good.","start_word":331,"end_word":337,"sentiment":"positive","sentiment_score":0.6019730567932129},{"text":"Yeah. eleven, which is before the sun goes up, Yep. which is a bit cold. Yep. No worries. Now, Peter, before I kind of jump into the under review, I do typically like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and kind of see where everything's at. Yeah. Just an update. I mean, nothing much has changed. But I do have one Yep. question because I've got a I've got a letter from Mhmm. a sender saying that Yeah. I that I owe $7,382. So it's I'm okay if I if I do owe that, but I'm not sure if that was meant to be deducted out of the every account or whether I pay that separately. Let me triple check for you. I thought it was set up and was gonna come out, but I didn't wanna pay it and then, Yeah. you know, No. double pay it. I wanted to avoid that. So avoiding I'm doing the right thing, I'm happy to Yeah. to pay it. Now let me have a quick look on your statement. Yeah. No. That should not be there it it is definitely through super. It is yeah. Yes. That's what I thought. And they So ask you to pay for it yourself? yeah. It says you've missed the premium payment. So I think I've got a letter a couple of weeks ago, and I kind of overlooked it. And I've just got another one.","start_word":338,"end_word":607,"sentiment":"neutral","sentiment_score":0.021636072546243668},{"text":"I thought, shit.","start_word":608,"end_word":610,"sentiment":"negative","sentiment_score":-0.36108091473579407},{"text":"I knew you were calling, so I thought I'd I'd let leave it aside. And it goes here about it. So yeah. Would you be able just so I can look into it for you, would you be able Yeah. to forward me the email or take a photo if Yeah. they I can posted take a photo. it It's to it's you? a private copy. Yeah. Yep. If you could, that will be good, and I'll just investigate a bit further because that's that's strange. Yeah. Because No worries. it's definitely through service. I'm glad you didn't pay for it. Yes.","start_word":611,"end_word":712,"sentiment":"neutral","sentiment_score":0.021748974298437435},{"text":"Perfect.","start_word":713,"end_word":713,"sentiment":"positive","sentiment_score":0.5243749022483826},{"text":"So, yeah, if you could take a photo of that, and Yes. then I'll send you can that. just Sorry. email it yeah. You can email it to me directly if you would like. Yeah. Now my email address, if you have a pen and paper Okay. Yeah. close by yep. So it's just veronicawithak@oakviewfinancial, Yeah. just one word, Yep. dot com dot a I'll I'll do that as we speak, and then you can have a look at it. u. Yeah. Perfect. That was That the only that'd question be good. I had. Yeah. Yeah. I am Please getting over send a cold that through. too, so excuse me if I cough and start a little bit. But I'm over the worst Yeah. of No. it, but it's just hanging on. That's all good. It's going around Yeah. here too. What I Okay. will do first is just to go through just a bit of an updated fact line just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions here, Peter. Yep. Now when it comes to your personal information, I have you down here as, that you're in a de facto relationship and no financial dependence to keep you a bit older. Yes. Yep. Yep. Perfect. Yeah. My my youngest is about And 23. So yeah. yep. And I do have here next up Ken, Sarah Jane. So if for some reason we can't get in touch with you to give her a call and see what's happening? Yep. Definitely. And she'll be Yep. here in a couple of minutes. She's on her way home, so she can help out Yeah. if need be. Yeah. Yep. Now employment wise, has any of that changed, or Not you're at all. still not No. paying? Exactly. Yeah. Now you're still paying yourself about 80,000 a year, or has that changed? It's well, I don't pay myself. That's kinda what I am, but I think I I don't actually know this year. I'm estimating it's probably around a 100 that I've earned, so it's not oh, I guess it's what I what do you mean by when I pay myself? Because that's self employed. It's Yeah. Like a an income. Do you yeah. I I don't have a set amount, so it's and I'll never know what mhmm. it is. I'll just take I'll just put money into my savings whenever I need Mhmm. it. I don't really take track of it. So I guess I'd could Okay. if that's what the history says, that would nothing's changed, so let's stick with Okay. that. Yep. Yeah.","start_word":714,"end_word":1172,"sentiment":"neutral","sentiment_score":0.005527604720301618},{"text":"Alright. Perfect.","start_word":1173,"end_word":1174,"sentiment":"positive","sentiment_score":0.4246842861175537},{"text":"Now contributions as well into super, obviously, being self employed, it's obviously up to you. Now I can see here that on the June 23, I believe, you made a voluntary contribution into super Yes. about 18,000, I believe. That's right. Yeah. I've been trying to do 12,000 a year, and I didn't do any last year. So my my goal is to do 18,000, Yep. like, this year and then 18,000 next year, but we also do wanna start making smaller, like, monthly Yeah. amounts. So I'm gonna Yep. actually look into on that really soon. Yep. Okay.","start_word":1175,"end_word":1273,"sentiment":"neutral","sentiment_score":0.13350187242031095},{"text":"Perfect.","start_word":1274,"end_word":1274,"sentiment":"positive","sentiment_score":0.3774831593036651},{"text":"No.","start_word":1275,"end_word":1275,"sentiment":"neutral","sentiment_score":0.15598762035369873},{"text":"That's good. And it does obviously, the benefit of doing regular ones is obviously you have the money invested for longer. It compounds.","start_word":1276,"end_word":1298,"sentiment":"positive","sentiment_score":0.3933621644973755},{"text":"But then, Yep. also, you are kind of taking advantage of the ups and downs in the market because things do fluctuate all the time. Yes.","start_word":1299,"end_word":1324,"sentiment":"neutral","sentiment_score":0.1243586167693138},{"text":"So doing it kind of small increments means that you do sometimes invest when it's high, sometimes when it's low, and it kind of averages things out in a nice way as well.","start_word":1325,"end_word":1357,"sentiment":"positive","sentiment_score":0.7067591547966003},{"text":"Obviously, the downside is that if it's money you need, if it's at the end of the financial year, then you may have a bit more of an idea of how much you could put in. Yes. But, obviously, you can adjust that however you want based on, obviously, your situation. That's right. Yeah. Yeah. So I'll probably set up, like, a minimal monthly amount. And then from Yep. there, I'll kind of adjust it if I need to add more or less or adjust it. Well, Yep. I won't add less because I'll I'll I'll allow the minimum. So Yep.","start_word":1358,"end_word":1458,"sentiment":"neutral","sentiment_score":0.07383638620376587},{"text":"yeah. Perfect.","start_word":1459,"end_word":1460,"sentiment":"positive","sentiment_score":0.5678718090057373},{"text":"And with the contribution, did you want us to do that notice of intent for you? Is Did that necessary? you get Yes. no. It is completely Yeah. No. up to you. Yeah. It is because, obviously, you have made it as after tax contributions. Yep. Obviously, it's money you've already paid tax on. Now Yes. contributions typically going into super or anything going into super is taxed at a concessional rate of 15%, Yeah. which is obviously lower than your your marginal tax rate, which would obviously, if it's around the the 80 or so, would be that 30%. So, obviously, Yep. you're paying more tax on it. So by doing the notice of intent, you can basically convert the contribution from a after tax to a pretax contribution, and that means you get a little bit of that kind of tax back. That makes sense, doesn't it? Yeah. Yes. The Yes. the reason sometimes why people don't want to do it is more so how the benefit Okay. is paid out after. So because there are different tax consequences depending on who receives the money, that would then be because at the moment, it's it's tax free because you have made it after tax. If you change Yeah. it to pretax, it could be tax consequences depending on who receives it.","start_word":1461,"end_word":1683,"sentiment":"neutral","sentiment_score":0.06234288960695267},{"text":"Now for your superannuation, I do have Sarah Jane nominated. Yes. What that means, obviously, if she is your spouse, it wouldn't matter because it's tax free to her regardless. So whether it's pretax or after tax, it's completely tax free to her.","start_word":1684,"end_word":1726,"sentiment":"positive","sentiment_score":0.4203534424304962},{"text":"Okay. The Yep. the the kind of caveat would be if the suitor were to go through your adult children. That's when Okay. they would then pay they could pay up to that 30% tax on the the tax elements, Yep. Right. if that makes sense. Yeah. Yep. Yep.","start_word":1727,"end_word":1775,"sentiment":"neutral","sentiment_score":0.11465955525636672},{"text":"So So would it you like us to do that for you? I think it's better.","start_word":1776,"end_word":1791,"sentiment":"positive","sentiment_score":0.3726902306079865},{"text":"Yeah. Yep. Yeah. Most most of I would say 99% of the people do Yeah.","start_word":1792,"end_word":1806,"sentiment":"neutral","sentiment_score":0.2755639851093292},{"text":"because Do it. Yeah. putting Let's it work in its way for us.","start_word":1807,"end_word":1819,"sentiment":"positive","sentiment_score":0.4782666563987732},{"text":"to get, Yeah. yeah, you get a little No bit of worries. that kind of claim back. So what I will let the team know is that you wanna obviously claim that notice 07/10 on the 18000. Now once we have lodged that with hub twenty four, we will get a little confirmation letter, Yes. and you can then bring that with you to do you do your accountant a tax return yourself, or do you go to someone? No. I've got an account, and and I've actually just Okay. thought if if he normally does the the notice of intent. So what happens? Can it be done twice? I mean, obviously, you don't want to, but but if he would normally do it and just action it automatically? Normally, Or or they the you they go. I'm sorry. wouldn't. They would like, the accountant would say, hey. Do you have the letter? And then I will put it through. Because Right. do doing the action notice, sometimes you have to do directly with the super funds. So you would have to do that with the half 24. And, obviously, Okay. if he he, unless you do it on like, he does it on your account while you were there. He does he does have access. Yeah. He's got access to all that. So Okay. yeah. I'll Do see you want me if to I ask can him see. or or or if he if he gets to it first and when he goes to do it, he'll see that it's done and then not bother Yeah. or When when are you seeing him, what? or have you seen him already? No. I haven't seen him. No. I haven't got an ex booking with him, so I'm not sure. But I can always email, and I'll contact him just randomly. So if you if I need Yes.","start_word":1820,"end_word":2136,"sentiment":"neutral","sentiment_score":0.03552799697742101},{"text":"to ask him something, I'm I'm happy to.","start_word":2137,"end_word":2144,"sentiment":"positive","sentiment_score":0.5482432842254639},{"text":"Yeah. Maybe just because, yeah, you can only do it at once. You can make a variation if there was any issues, but you normally, you would just do it once. So often, an accountant would just tell their clients, just get the letter from your super fund, and then I will do it. So then we would assist with doing the claim through hub twenty four. We will give you the letter, and you would just bring that letter to your accountant. But if he has direct access to everything, he could have done it. Yep. Let me just have a quick look if I can see it. So maybe if you would like, maybe email him and say, Yes. hey. Are you planning on doing it? Or if not, I can let, like, you know, and or we can do it for you. Then Yep. he would Okay. obviously do the lodgment to obviously get the tax back so we can change it in hub twenty four for you. Okay. Okay. Yep. Does that make Awesome. sense? Yeah. I'll ask him. Yep. Yep. Yep. Okay. Well, I'll just leave it until I've heard from you just Yep. to make sure. And if I haven't heard anything in maybe, like, a week or so, I'll just send you a little follow-up just just to Alright. check. Alternatively, like like I said, if you just go ahead and do it, Okay. it can't be Yeah. done twice, can it? So maybe No. Because no. if we've already Yeah. done that, it will just Yeah. show that you don't have any extra available. Yeah. So So we maybe can just go ahead yeah. I would just go ahead and do it. Yeah. Sorry. Okay. Sorry for that confusion. Yep. No. That's okay. Once it's been lodged with hub twenty four, though, we will still email you the certificate, and Yep. then you can just forward that on to your account as well because they will Nine need that bars. for the actual tax return. Yes.","start_word":2145,"end_word":2488,"sentiment":"neutral","sentiment_score":0.10515945461080518},{"text":"Okay. Perfect.","start_word":2489,"end_word":2490,"sentiment":"positive","sentiment_score":0.47274503111839294},{"text":"Now I do wanna just mention that with the doing it that that way, there is a contribution cap space we have to be mindful of each year. You are well below below it, so there's no risk for it. But if, let's Yes. say, this financial year, you go I wanna put 50,000 and Yep. you wanna do the the notice of intent, just let me know. Just let me run the numbers because each so this financial year, it's gone up. The cap space is 32,500. So Okay. if you go over that, there is different strategies where you can it gets a bit technical, but you can use unused spaces from previous years to kind of catch up. Okay. Yep. So if if it was that you were thinking of doing more than 32,000, just let me know, and I'll just wanna triple check Yep. for you. Okay. No worries. Yep. Okay. Okay.","start_word":2491,"end_word":2646,"sentiment":"neutral","sentiment_score":0.07322332262992859},{"text":"Thank you very Perfect. much.","start_word":2647,"end_word":2651,"sentiment":"positive","sentiment_score":0.6719004511833191},{"text":"No. That's okay. Now asset wise, I do have here your property was last night at about 700,000. Yes. Is is that right? Yep. Yep. Perfect. And about $3.10 was owing on the mortgage. 300. Still sound about about Yep. 310. Yeah. Does We're that sound 2 about 90 right? 5 now or something. Yeah. So it's around the mark. That's Yeah. 2 perfect. 95 maybe. But 2 yeah. 95. We're Cool. Now I also have here a motor vehicle right at about 12,000. changing. Yes. Yep. A trailer of about 7,000, Yes. It's correct. and then tools for about 20. It's correct. Yep. Yep. Any other new assets that's changed in the last twelve months? No. No. Nope.","start_word":2652,"end_word":2770,"sentiment":"neutral","sentiment_score":0.06771124060414418},{"text":"Perfect.","start_word":2771,"end_word":2771,"sentiment":"positive","sentiment_score":0.3546797037124634},{"text":"And health and lifestyle wise, I have you down here as a nonsmoker. That's still the case as well? That's correct. Yep. Don't Yep. plan on taking it up. And no. That's good. Now have you had any changes to your health, any significant health issues or injuries or anything? Nope. Nothing. No. Great. And when it comes to estate planning, do you guys have a will or power of attorney or anything in place? I don't believe we do, actually. Sarah's No? home now. She'll confirm, but just give Yeah. me a sec. It's one of these things we talk about and kinda let me get to it. Yeah. Most people are the same. We don't we don't have a will. No. We don't. Oh, it's on our list. It's on our list. So we don't Yeah. currently have one, though. Like No. I said, That's all Yeah.","start_word":2772,"end_word":2920,"sentiment":"neutral","sentiment_score":-0.0004305093025323003},{"text":"that's all good.","start_word":2921,"end_word":2923,"sentiment":"positive","sentiment_score":0.3877785205841065},{"text":"It's on the to do list. Yep. Now, otherwise, usually, a good kind of checking point during annual review is to see what your goals were last time we spoke to you, if it has changed how you are tracking, and if you have any new financial goals. So last time when you spoke to my colleague, Dana, you're obviously, aside from super and insurances, your kind of other focus was just to kind of continue to pay down the mortgage as much as possible. Is that Yeah. still kind of the main priority for you? It is. Yeah. It'd be nice to be calling Yep. up debt free without that, so that's yeah. Message. Yep.","start_word":2924,"end_word":3039,"sentiment":"neutral","sentiment_score":0.13567158579826355},{"text":"Perfect.","start_word":3040,"end_word":3040,"sentiment":"positive","sentiment_score":0.4779351949691773},{"text":"Yep. And any anything else that you you guys are working towards? So that's kind of the main priority. That's the my priority. Yeah. Yep. Yep. Alright.","start_word":3041,"end_word":3067,"sentiment":"neutral","sentiment_score":0.24226641654968264},{"text":"Perfect.","start_word":3068,"end_word":3068,"sentiment":"positive","sentiment_score":0.4850321412086487},{"text":"Now when it comes to superannuation and how your money is actually invested, I do wanna quickly go through just a bit of an updated risk profile questionnaire with you, Peter.","start_word":3069,"end_word":3099,"sentiment":"neutral","sentiment_score":0.15710940957069397},{"text":"It is pretty straightforward.","start_word":3100,"end_word":3103,"sentiment":"positive","sentiment_score":0.3671766221523285},{"text":"It is just multiple choice. So there's no right or wrong answer, and it's just whatever you feel is the most appropriate for you. Yep. Okay. Sometimes it can be a little bit tricky because it's all kind of hypothetical situation. So if it doesn't make sense, just let me know. Okay. Okay. Yep. Yep. Now have you ever bought direct shares on the stock market yourself? No. Nope. And when it comes to time frames of when you are looking at accessing super, retiring, I have here about 65. Is that still kind of the plan, do you think? Look. That was probably just to put a number on it, so we'll stick with that. Yeah. I Yeah. have no intentions. But yeah. Yeah. No worries. It is also Yeah. just to kind of make sure you have enough time in the market for the different fluctuations. But if you're not planning on retiring in the next couple of years, then then that's all good. No. That's that's fine. Yeah. No. Yep. 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 a very high risk, high, moderate, or a small amount of risk for your superannuation? Probably moderate. But Moderate? what level I have, I think I need to kinda preserve it rather than risk Yep. it. So Yep. yeah. So it's kind of wanting some growth, but obviously not high growth or aggressive. Yeah. Yep. Yep. Now if you place an investment and then you found out that it it fell due to general trends in the market. So you placed an investment and it dropped. Would you, if you had the option to do so, I think that, well, now is potentially a good time to put a little bit more in while the prices are down. Would you kind of be a bit neutral, just kind of wait and see what happens, or would you want to sell? Probably be tempted to put a little bit more in. I Yep. mean, it's at an advantage to pay it off quicker while it's down. Yeah. Yeah. No.","start_word":3104,"end_word":3469,"sentiment":"neutral","sentiment_score":0.03060023271850224},{"text":"Perfect.","start_word":3470,"end_word":3470,"sentiment":"positive","sentiment_score":0.3634294867515564},{"text":"And next is when it comes to fluctuations. So, obviously, there's going to be times in the market where things do fluctuate. Some years are gonna be obviously better than others depending on what is going on in in the world and the market. Now if there's ever any point in time where any of your investments, so super, any other investments are are down temporarily, how would that make you feel? Would you say optimistic about potential future opportunities to invest in? A bit kind of neutral, not making any further investments? Concerned or highly anxious? No. Go with kind of just going with the flow like the second one. Yep. But, Yep.","start_word":3471,"end_word":3584,"sentiment":"neutral","sentiment_score":0.031511541455984116},{"text":"Perfect.","start_word":3585,"end_word":3585,"sentiment":"positive","sentiment_score":0.35634326934814453},{"text":"you know, it's gonna go up and down. So, yeah, you can just go Exactly. to the. Yeah. Yep. Not Now gonna freak last out. no. That's good. Now the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. Definitely not. No. Would you consider taking out a loan to buy an investment property? No. Nope. Perfect. Just trying to get debt free. Yes. Yes. Definitely. Yeah. Yep. I can and more Perfect. depth. Yeah. Yeah. Now, Peter, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in. No. Now That's good. yeah. So what I will do is when I have actually sent you a document with some documents to go through. Sorry. I have sent you an email with some documents to go through. Do you have access to your emails at the moment? I see. I'm in the middle of drafting Okay. to you regarding that picture. So as soon as I hit send, I'll oh, you haven't sent it yet, have Yes. I have. you? You have? Okay. Just as, Alright. yeah, just as I called. Right. Okay. I'll have a look. I'm just about to hit send on this. I've taken pictures of this letter from the sender. Yes. So Yes. I'll be just going to send that through to you now. So and then Okay. I'll I'll check out what you send me. Yeah.","start_word":3586,"end_word":3844,"sentiment":"neutral","sentiment_score":0.04145022705341168},{"text":"Okay. Perfect.","start_word":3845,"end_word":3846,"sentiment":"positive","sentiment_score":0.5362768769264221},{"text":"Now I can I can let you send that first if you want if you wanna focus on that? Just done.","start_word":3847,"end_word":3867,"sentiment":"neutral","sentiment_score":0.2966873347759247},{"text":"There you go. You should receive that. Alright.","start_word":3868,"end_word":3875,"sentiment":"positive","sentiment_score":0.40950727462768555},{"text":"I'll keep refreshing. Sometimes it takes a a few minutes, so I'll keep a lookout for that to come through. Yeah. I've just taken the picture of every page, so I kinda just kept doubling up. So there's two pages in it. The first one is just the front page, and then as I've Yep. because it's about six pages there, so I'm just I'm just taking one kind of picture of two pages. So hopefully Yeah. you can zoom in and make Yeah. No. That'll be fine. Now with the email as well, have a look at your spam because it sure. could end up there because we Yep. have just changed software. So if it's the first first time through the new software, it may recognize it as a spam email, but it should say directly from me. Yep. Travel associates was my last one in this van. Nothing yet? No. No. It doesn't. Oh, there we go. 401. Where is that? I just went to all miles, so it's not even in this van. Oh. Don't worry. Oh. Yep.","start_word":3876,"end_word":4057,"sentiment":"neutral","sentiment_score":-0.028036296367645264},{"text":"So Oh, well, that's good.","start_word":4058,"end_word":4062,"sentiment":"positive","sentiment_score":0.34447023272514343},{"text":"I've Now got it will say click here to sign sign documents or signature request, it. but it will allow you so when you click on it, it's not gonna ask you to sign right away. Yep. It Okay. will allow you to open up and view everything first just to make sure you're happy before it prompts you to sign. Yep. Okay. And Yep. then I'm reading it in. yep. So it should open. There should be a couple of documents. The first one you should see is the one where it says super and insurance summary. Can you see that one? Yes. Yep. Yes.","start_word":4063,"end_word":4168,"sentiment":"neutral","sentiment_score":0.12789406416551122},{"text":"Okay. Perfect.","start_word":4169,"end_word":4170,"sentiment":"positive","sentiment_score":0.479306697845459},{"text":"So this one here gives you a bit of a breakdown of your current situation. So you can see here that you have your super with hub twenty four, and you do Yep. have about $66,733 in there. Yep. Now you Yep. can also see that underneath your insurances. So you can actually Yes. see here as well that the ascender is in front of you. Yes. Yep. But I will check those emails when they come through as well just to Yep. see what that's about because that's strange because you're not Yeah. paying for it out of pocket, and there's obviously enough money in Super, so that shouldn't be a decline. Yeah. Just checking So the policy number. It's the same number. So it's the same policy number on there. So it's yeah. yeah. Yeah. Anyway Okay. that's Well, okay. I will I'll I'll leave that one with you. Yeah. yes. I will send you an email once I have spoken to them, though, just so you confirmation. They have they're closed in about five minutes, but I will give them a call tomorrow and Yep. follow-up Perfect. just Thank so you. you have confirmation on that and Yep. also why they're sending that to you because that seems Thank strange. you. No worries. Now you have life and CPD. So you have about 262,500 Yep. Yes. if something were to happen. And then you also have an income and that will pay a monthly amount of 4,806 per month. And Yep. then you also have a thirty day waiting period, a five year benefit period. And because it's paid from within super, you do get that 15% tax rebate. So the total premium is 6,275.","start_word":4171,"end_word":4458,"sentiment":"neutral","sentiment_score":0.06600448489189148},{"text":"Lovely. Yep.","start_word":4459,"end_word":4460,"sentiment":"positive","sentiment_score":0.42870959639549255},{"text":"Now are you happy with that level of cover for your life, TPD, and income protection, or do you wanna make any changes, or do you think that's aligning? It's just well, my only question is I mean, I'm happy with it all, Mhmm. but I've just got a random question. The 4,008 Mhmm. 106 monthly, does that change as my income changes? Because the last few years, Yes. I've kind of been earning more since I've had, like, my son working with me. So does Yes. that figure change? It will change come claim time. So what you are Yep. covered for income protection is a little bit tricky. So how it works is at the time of claim, they will cover you for up to 70% of your income. Yep. But what they Yep. also won't exceed, yeah, is what you are currently covered for. So if, for example, if I use the so, yeah, it's a bit sneaky that way that let me just see here. So if your income is the 80,000, for example, Yep. Yep. that would mean that on a monthly basis, it's basically spot on. It's 4,666 per month Okay. if if we're doing the 70%. Now if, let's say, you have to go on claim in twelve months, and at the time, your income is a 120,000, they are not gonna pay you 70% of a 120,000. They are only gonna Right. pay you up to what you are insured for, which is 4,806. Alright. So this is the maximum. Yep. Okay. Yep. Correct. Now the flip side, though, is let's say you have to go and claim on twelve months, and at the time, your income is 30,000. They are only going to pay you 70% of your income, which will be 70% of 30 even though Yeah. you are paying for more. Does that make sense? Mhmm. Yeah. Yeah. It's crazy, isn't it? Yes. Yeah. Yes. So if your income changes drastically, just let me know because Okay. we can always look to make changes. Yeah. Because Okay. it's also at the time of claim. If, for example, you have one year where you earn a little bit less, but then you think the next year is gonna pick up and be back up, Yep.","start_word":4461,"end_word":4845,"sentiment":"neutral","sentiment_score":0.035473853376294884},{"text":"we would also be hesitant of reducing it.","start_word":4846,"end_word":4853,"sentiment":"negative","sentiment_score":-0.4722999334335327},{"text":"Because by reducing it, it's super easy. It's just a quick form. Insurers are happy. They take on less risk.","start_word":4854,"end_word":4873,"sentiment":"positive","sentiment_score":0.5197392106056213},{"text":"If you Yeah. then let's say we reduce it to 3,000 a month, And then let's say six months later, things are going great.","start_word":4874,"end_word":4897,"sentiment":"neutral","sentiment_score":0.2483764886856079},{"text":"You're earning more money and you go, I wanna offer to 6,000 a month.","start_word":4898,"end_word":4911,"sentiment":"positive","sentiment_score":0.3572472035884857},{"text":"The insurance will be like, okay. Well, we need to reassess your risk, basically, and go through that whole insurance application again and seeing what they offer. So it's very easy Okay. to decrease. It's harder to increase. Increase. Yeah. No worries. Yeah. Okay. Does that Thank you. make sense? It does. Yep. Yes. Perfect. But So good we'll question, we'll leave it though, all because at the it end. Yeah. yes. Because it's pretty spot on of what you are kind of earning, so so that's Exactly. good. Yeah. It's not just no way of changing. Yeah. Now you also have some other insurances with OnePath that you pay for out of pocket. Yes. Now you have life, total permanent disability, and trauma insurance, and Yes. that's all 213,431 for each of them. Total premium is 566 per month. Yes.","start_word":4912,"end_word":5052,"sentiment":"neutral","sentiment_score":0.10134273022413254},{"text":"You're still happy with that cover as well?","start_word":5053,"end_word":5060,"sentiment":"positive","sentiment_score":0.33584219217300415},{"text":"Yep. Yeah. Absolutely. Yeah. Yep. Yep.","start_word":5061,"end_word":5066,"sentiment":"neutral","sentiment_score":0.11235558986663818},{"text":"Great. Perfect.","start_word":5067,"end_word":5068,"sentiment":"positive","sentiment_score":0.3941510319709778},{"text":"Now if you can press next for me, it should be Yep. a Done. hub twenty four performance report. Can Yeah. you see I that got one? that. Uh-huh. Yep. Yep. Now this one here sometimes can look Yes. a little bit messy because it's it basically breaks down all your individual investments, how they have performed, Yeah. and what has happened in the last twelve months. Now it shows everything in net of fees as well when it comes to that internal rate of return. So the percentage on the investment shows everything after fees Broad. after all fees. Yep. So, obviously, with the the market, I'm sure you would have heard or seen on the news, it's been a bit of a turbulent last twelve months. Obviously, Yep. everything in The US did see Trump and tariffs and everything. You'd see a bit of fluctuations in the market. And, obviously, more recently with the war as well, we have seen a bit of bit of turbulent in the market. Yeah. Now in saying that, though, your portfolio is still doing pretty good despite the the fluctuation in turbulence Yep. we have Yes. had in the last twelve months. Yes.","start_word":5069,"end_word":5269,"sentiment":"neutral","sentiment_score":0.0032328233419366146},{"text":"So it's still gone up by about 5.17% after Yes.","start_word":5270,"end_word":5279,"sentiment":"positive","sentiment_score":0.3840915560722351},{"text":"fees. Yep. Now there is one investment here that I would like to look at changing for you. So Okay. if you have a look at the second column to the right where it says internal rate of return. Can you see that? Oh, yes. Yep. Yeah. Nine Sorry. two. Yep. Yep. Sorry. Exactly. So, basically, the one that has the bracket next to it, which is 70 just 10. two of them. Yeah. Yep. And then all the way says 21.02. Yeah. Yep. These two are down at the moment. All Right. the others Okay. are positive. Okay. Now sometimes that happens with fluctuations, but also because way that your portfolio is constructed is that we want diversification. So we wanna make sure that we're not betting everything on one market or one sector or one area. So there Yeah. will be For times sure. where some Yeah. investments are doing really good, others not as good, and they kind of even each other out, if that makes sense. Yeah. Yeah. Yeah. Not Yep. necessarily good with the bad. So yeah. Exactly. At the same time, though, if we because we do a lot of research on the investments all the time and making sure that they're always going to be the best for you. And the investment Yep. committee do a lot of research. And if we foresee one investment underperforming a little bit and we don't foresee it coming back around again or as much Yes. or being the best option for you moving forward if things are always evolving. We wanna be proactive and look to make a change if need be. That So, makes sense. Yep. yeah, so with the top one, the one that says twenty one point zero two, Yep. this is the one that I would like to look at changing for you. Now Yep. this one here, it is a managed fund, and it's called Benelung Australian Equity. How that one works is that they are kind of actively trying to buy and sell different investments in order to try to outperform the market. Alright. So they have been very successful in doing so, but, obviously, you're gonna have potentially a little bit more fluctuations because they're obviously doing that a bit more quickly, so a bit more of that kind of active management through the investments. They can Yes. be a little bit more expensive, so you wanna make sure that the performance outweighs the fees as well. Yes. Because, otherwise, what's the point paying a little bit more for the active management if it's not outperforming? For me. Exactly. So Yeah. High exactly. risk. So exactly. So right now, it's it's kind of underperforming. And like I said, the investment committee have done a lot of research on it and don't think it's going to be the best option moving forward and that there are better options.","start_word":5280,"end_word":5767,"sentiment":"neutral","sentiment_score":0.023283561288959306},{"text":"So Lovely.","start_word":5768,"end_word":5769,"sentiment":"positive","sentiment_score":0.38553258776664734},{"text":"what we have, Yep. yeah, what we have found is an alternative, which is called BetaShares Australia two hundred. Yep. Now how this one is a bit different because if we are swapping an Australian investment, we also wanna make sure that we add another Australian investment to keep diversification because we don't want everything in The US or everything in emerging markets. We wanna keep the diversification and still give you some exposure to the Australian market. Just Yes. another option. Yeah. That makes sense. So Yep. You've got a cup yeah. there's a couple of better ones in here at the moment. So Exactly. So edit with the yeah. Betashares a 200, the way how that one is a little bit different to the Bennelong is that it invests in the 200 largest companies listed in Australia. So, obviously, very diversified because with that one single line, you'll basically have 200 companies. Yes. Yep. Now you will have all the big banks and BHP and Woolworths. So, again, very well established companies in Australia. What also happens is that when one company grow and get bigger, it gets added to the 200. And if something gets smaller, it kind of falls out. So you're not going Okay. to have So that it's kind always of good. same yeah. Yes. Yeah. It it's obviously, you know, just to keep the top 200, not just Correct. any 200. Yeah. 100 That percent. makes sense? Exactly. Exactly. Yeah. Yep. So Yeah. because of that, that's obviously a little bit different type of investing. It's it's kind of similar to a lot of the other ones. It is a bit cheaper because you don't have to have the whole same of buying and selling quickly and face with that. So it kind of is a little bit smoother. So it's a little bit cheaper, but it also has performed better than the vendor long investment for you.","start_word":5770,"end_word":6094,"sentiment":"neutral","sentiment_score":0.11334949493408204},{"text":"Perfect. Yeah. I'm happy with that. Yeah. Yep. Beautiful.","start_word":6095,"end_word":6103,"sentiment":"positive","sentiment_score":0.4916799366474152},{"text":"So what I will do for you, just so that you have it, you don't have to sign it. But what I will do is in the next couple of days, I will send you an email. It is called a record of advice. Basically, Yep. what it is, it is showing you the transaction change. So it is changing the for the a Betashares a 200, and that's it. Just so that you have it in writing as well, that that's what we have done for you.","start_word":6104,"end_word":6191,"sentiment":"neutral","sentiment_score":0.1556628942489624},{"text":"Perfect. Thank you very Yeah. much.","start_word":6192,"end_word":6197,"sentiment":"positive","sentiment_score":0.4293082058429718},{"text":"Perfect. No problem at all, Peter. Now if you can press next for me, Yep. Vanguard can you index card. yes. So this one here kind of refers back to our risk profiles, but it also gives us a good kind of overview of the market and what has happened in the world. Have you seen something like this before? Yes. Yeah. Okay. Perfect. So, yeah, it basically shows you all the market trends from 1995 through to 2025. The new one should come out soon because they do publish it at the end of each financial year, so the new one should come out soon. And it also Yep. breaks down the different asset classes. Now when we talk about a growth profile, which is how you are currently invested, we see about 80% invested in what we call your growth assets. Now these are a combination of your top four listed here. So The US Okay. shares, which is, like, the light green line, your Australian shares, which is, like, your dark green line, international shares, which is your yellow, and then the the property, which is, like, your maroon color. So it's a combination Yes. of these. So you can see here that these are the ones that grow the most, which is what we want when you still have plenty of time until retirement. Yep. Yeah. But at the same time, we wanna have some of that defensive element like you said. You don't want high risk. So it's Yep. also about 20 in those bottom three. So that is, like, your defensive investment. So you can see that they don't grow as much. They're a bit more stable. They still grow, but a little bit more stable. So it's Yeah. kind It looks of so balancing up and down. out. Yeah. Exactly. Yep. Now Yep. when we are also talking about a time frame, so making sure you have enough time for these kind of ups and downs, In a growth profile, ideally, we want to see at least six years until retirement. And if Yep. you are planning on retiring at 65 or later, you still have more than that time until you retire. So from a time frame, it is suitable for you where you are currently at if you are still happy happy with that. Definitely. Yeah. Yeah. Okay.","start_word":6198,"end_word":6594,"sentiment":"neutral","sentiment_score":0.14439253024850746},{"text":"Perfect.","start_word":6595,"end_word":6595,"sentiment":"positive","sentiment_score":0.3565436601638794},{"text":"Now if you press next for me, which one do you Yep. have there? Is Certificate that one path of Parengson. or a sender? Yes. Is that for a sender or for one path? Is Ascender. it same? A sender. Yeah. So you will have it just basically breaks down your insurances again in a bit more detail. So Yep. let me see. Even from here, it looks like it's all been paid. So You can yeah. You yeah. should It's have that lighter the if you want it just we yeah. can do a lighter Which because here here it even says through. So this is what's effective. When did you get the email? Sorry. Do you remember when you got It's the first a letter. reminder? It's dated the June 21. This letter was just dated. So they must have obviously realized it. I'll still triple check that for you. Yeah. But they must have realized it because if you look here, it says this letter confirms that your policy is current and active effective the 07/07/2020 Okay. '6. So they obviously issued this after. Yeah. Yeah. Now I still haven't got your email yet, but maybe it's my Internet or maybe does it say sent on your end? Can I get out of where I am, or do not do I need to stay in here? May maybe we'll do it after. Maybe when Yeah. we Yeah. finish, Yeah. we'll go back Yes. just just to Yeah. make it easier. Yep. I can always reach Linda. Yeah. But here, it says this is effective. It's all paid, and it shows true that it's paid up until the 06/18/2027. So the signature Yes. is still active bill paid full. So a bit Perfect. strange how you got that one. It could have Yeah. been just Yeah. an admin error on their end that they Yep. thought you were paying it, but I'll still follow-up and send you an email just to be safe. But at least here, I you appreciate got proof that it's paid it. Expired. and Yeah. That's it's all I did. enforced. So I'm covered. Yeah. Exactly.","start_word":6596,"end_word":6957,"sentiment":"neutral","sentiment_score":0.06106264153443976},{"text":"Lovely.","start_word":6958,"end_word":6958,"sentiment":"positive","sentiment_score":0.455754041671753},{"text":"Now if you press next, you will have the same one for your one part policy. Yes. Again, Got that just one. breaking down the insurances and shows you again that all paid and up to date.","start_word":6959,"end_word":6995,"sentiment":"neutral","sentiment_score":0.24424777925014496},{"text":"So that one Perfect.","start_word":6996,"end_word":6999,"sentiment":"positive","sentiment_score":0.47627219557762146},{"text":"the next one should come out soon for you about the July 18. Lovely. That one is just a monthly. Now if you wanna press next for me, what can you see now? IT services. God. Yep. Yep. So you probably have seen this before. It is one of those compliance documents. It does give you all the important information in regards to us here at Oakview. I'll let you have a read over in your own time because it's 22 pages, so I don't No. wanna keep you here all night. No. But That's it does all. give you all the important information. Now we've had a bit of a change to marketing, a bit of an extension to the team, which is great, but none of the important information has changed from the copy that you would have got last year.","start_word":7000,"end_word":7142,"sentiment":"neutral","sentiment_score":0.12314387535923844},{"text":"Lovely.","start_word":7143,"end_word":7143,"sentiment":"positive","sentiment_score":0.5585461854934692},{"text":"If Thank you, while you are in here, want to scroll down, though, to page 10, you. you will actually see a photo of myself there. And sometimes it is nice to put a face to the voice when we're doing things Okay. over There the you phone. are. Yeah. Bye bye. Yeah. And I think I'm next to so I'm next to Dana, which is the the person you spoke to last time, Alright. I believe. Yes. That's right. Yeah. I remember her Perfect. name. Yep.","start_word":7144,"end_word":7230,"sentiment":"neutral","sentiment_score":0.09916295856237411},{"text":"Perfect.","start_word":7231,"end_word":7231,"sentiment":"positive","sentiment_score":0.3637025058269501},{"text":"Yeah. Now if you press next for me, Yep. is that the one where it Options says hub to twin provide text phone number. yes. So this one here, it will ask you to add a little signature and date if you're happy to do so. Now what it is, it is just a compliance forms to say that we are keeping your tax fund number secure and safe on file. Yep. Yes. Can you can you need me to sign that now, or you I'll just go Yes. through and sign them on the on now? If you if you are happy to do so, then, Yeah. yes, that Yeah. would Yeah. be good. But if you prefer Yep. to do it later, that's also okay. Yep. And Click then restart. you should. Okay. Yep. Got it. So and then it will start. Okay. So oh, surely done. You just add that? Yep. Now Yeah. if you press next, does it say consent to ongoing fee arrangement? Oh, I've I've went to start signing. Yes. So I'm now on a page where it says adopt your signature, Yes. Yes. and then no clicks I can sign all as opposed to Yes. sign or cancel. So if I just click sign all. Yes. And the date, I need to put the date in. Yes. Sometimes it does it automatically. It depends on, like, I'd had phone. '15. Yeah. Yeah. Yep. Sorry. No. That's Next okay. document. Consent to new ongoing fee arrangement. Yep. Yep. So this is the other one. This is the last one that it will also ask you to sign if you're happy to do so. Now what this one here is, it is a a ongoing service agreement. So, basically, what it says is that you are happy to stay on as a client. Now the fee structure, it is Yep. not changing. It's not increasing. It stays exactly the same.","start_word":7232,"end_word":7556,"sentiment":"neutral","sentiment_score":0.10761569706293252},{"text":"Because both you and Sarah Jane are clients, you guys are on that reduced couple fee, which is lovely.","start_word":7557,"end_word":7575,"sentiment":"positive","sentiment_score":0.4626204073429108},{"text":"So that's Yeah. 1.1 from super. So it is not increasing or changing. It is exactly the same. Now it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. Okay. Signing this basically allows us to keep managing your account, your investments, and everything until next under review where you have to sign another one. So every twelve months, you have to sign it in order for us to keep managing Yep. everything That makes to sense. make sure you are happy. But it is not a lock in contract, and the fee is deducted on a monthly basis. So it's not like you are committing to a full year either. Okay.","start_word":7576,"end_word":7703,"sentiment":"neutral","sentiment_score":0.04913698509335518},{"text":"Lovely.","start_word":7704,"end_word":7704,"sentiment":"positive","sentiment_score":0.3984238505363464},{"text":"Yep.","start_word":7705,"end_word":7705,"sentiment":"neutral","sentiment_score":0.29981279373168945},{"text":"Perfect.","start_word":7706,"end_word":7706,"sentiment":"positive","sentiment_score":0.5621353387832642},{"text":"Send it right. Now that was the last document. And yep.","start_word":7707,"end_word":7717,"sentiment":"neutral","sentiment_score":0.1842472106218338},{"text":"Perfect.","start_word":7718,"end_word":7718,"sentiment":"positive","sentiment_score":0.4271683692932129},{"text":"I can so that one came through right away. Yeah.","start_word":7719,"end_word":7728,"sentiment":"neutral","sentiment_score":0.2700200378894806},{"text":"That's cool.","start_word":7729,"end_word":7730,"sentiment":"positive","sentiment_score":0.3651789724826813},{"text":"If yeah. If you could It go took back longer to to the actually other verify one. than it did to come through. Yeah. Can you go into your sent one for me and see if it bounced back or whether Yeah. it says it was sent? Yep. Well, I'm on the notification. Sent. Oh, yeah. It didn't. It's not in my sandbox. Sorry. Now what happened? Yeah. This one came through fast. Sorry. Internet must be good. Yeah. It's on there. Oh, okay. It's it's a draft. So obviously, yeah, which is still. You need my email address again? No. No. No. I've got that. It was still there. It just didn't send it. It's like a draft. So but the pictures, I'm not sure. I'm just gonna hit send as is so I can Yeah. you don't need me to explain what's going No. on. No. That's all good. Doesn't seem to it's just literally not sending, which is weird. I've had this before. Is there because how many attachments are there? Like, how many photos? One, two, three, four, five, six. That should be that should be And the fine. pictures are kind of weird, but it's Even if you wanna send it, like you can do it after after we get off the phone. That's okay. Even if you wanted to just send it in two emails, if it's like a a file limit, sometimes there is okay. that you can only send, like, x amount of size Yeah. even It's if you wanna yeah. do, like, the three photos and then just send me straight away another one, that three, Yep. or Okay. see how you go. I will keep a lookout for that email. And like I said, I will call Asana tomorrow just to kind of check-in, and I will respond just to make sure that's all good. Yep. If you keep having issues where it's not sending to my email, which is strange, You can even just send it through, like, info@oqfinancial.com.au, and then the team will forward that to me if for Okay. some reason you keep having issues. I'm just running it down. Yeah. But I did receive the other Yeah. one. So Yeah. What if I I mean, the email address is rob, monica, yeah, And at it's vogue it's view. v e Oh, hang on. r o n I'm I just k a? yeah. I'm missing the e in vogue view, so let me just apply it by. Maybe Okay. that's why. Hold on. One, let me edit it. Oh, look. I'm just gonna If you wanna start I'm new, just that's gonna okay. start again. Yep. It's still not going through. Look. I've always attached photos. I do send Yeah. quite a few, but it's it it's sending as a JPEG. Maybe do you want me to read read out the aim the full email address just to be sure? It's a big, you reckon. The v e r o n I k a Yes. @oqfinancial.com.au. Yes. That's correct. Yeah. It's it's not yeah. I don't think people with me, and I'll persist, and I'll Okay. yeah. Sarah's here. So Okay. if I have problems like I said, if this doesn't go through, I'll send it through to the info at Oakview Financial. Yes. Yes. And I'll then put the team attention will forward Veronica. that to me. Yeah. Yes.","start_word":7731,"end_word":8303,"sentiment":"neutral","sentiment_score":-0.009869802893134546},{"text":"Perfect. Yeah. That'll be great.","start_word":8304,"end_word":8308,"sentiment":"positive","sentiment_score":0.6441439986228943},{"text":"And I will get that, and I'll follow-up with that It tomorrow is with for a cat. you. Yes. Yep.","start_word":8309,"end_word":8328,"sentiment":"neutral","sentiment_score":0.19643570482730863},{"text":"Perfect.","start_word":8329,"end_word":8329,"sentiment":"positive","sentiment_score":0.49917688965797424},{"text":"Yeah. Now also keep a lookout for that email with that record of advice that we'll send through to you, and we will also that process that notice of intent. So once that's been processed with how many four, I'll the team to send you that confirmation, and then you can just forward that onto your accountant as well. Yep.","start_word":8330,"end_word":8389,"sentiment":"neutral","sentiment_score":0.1962084919214249},{"text":"Yep. Lovely. Perfect.","start_word":8390,"end_word":8392,"sentiment":"positive","sentiment_score":0.5928357243537903},{"text":"Do you have any other questions for me, otherwise, before I let you go and enjoy your evening? No. I'm I'm all No?","start_word":8393,"end_word":8415,"sentiment":"neutral","sentiment_score":0.12445111572742462},{"text":"good.","start_word":8416,"end_word":8416,"sentiment":"positive","sentiment_score":0.6355582475662231},{"text":"Just to send a Yeah. letter with the only question. So, no, it's Yeah. and it's paid Okay. for, and I'm I'm covered. So, yeah, I'm not worried Yeah. about it anymore. Yeah.","start_word":8417,"end_word":8449,"sentiment":"neutral","sentiment_score":0.06007371097803116},{"text":"Perfect.","start_word":8450,"end_word":8450,"sentiment":"positive","sentiment_score":0.6016193628311157},{"text":"I'll still follow-up with you, though, just so you have it in writing Yeah. Yeah. just to be Thank safe. But we you. have Yeah.","start_word":8451,"end_word":8475,"sentiment":"neutral","sentiment_score":0.19632501900196075},{"text":"confirmation that's paid, so that's good.","start_word":8476,"end_word":8481,"sentiment":"positive","sentiment_score":0.4471105039119721},{"text":"Yep. Must have been error. If there's anything else that you need, though, don't hesitate to give me a call or send me an email.","start_word":8482,"end_word":8506,"sentiment":"neutral","sentiment_score":0.07189710438251495},{"text":"Appreciate your time.","start_word":8507,"end_word":8509,"sentiment":"positive","sentiment_score":0.566315233707428},{"text":"Mhmm.","start_word":8510,"end_word":8510,"sentiment":"neutral","sentiment_score":0.23289939761161804},{"text":"No problem at all. You enjoy the rest of your afternoon there, Rita. You too, Veronica. Thank you. Thanks. Okay. Bye.","start_word":8511,"end_word":8531,"sentiment":"positive","sentiment_score":0.6305550336837769},{"text":"Bye bye.","start_word":8532,"end_word":8533,"sentiment":"neutral","sentiment_score":0.24240772426128387}],"average":{"sentiment":"neutral","sentiment_score":0.07893792986526156}}}}