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Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy. Oh, that's lovely. That's nice. Well, I will try not to take up too much of your time off. But before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of that review today or any areas you would like me to focus on or just a bit of a catch up. No. That's not bad, though. Sometimes that's good that there's no major changes. Yeah. Yeah. Yeah. Oh, good. Oh, perfect. Well, what I have done is I have to send you an email with some documents to go through. But before I kind of jump on that, I do quickly just wanna run through a bit of an updated fact find just to see if there is anything that has changed since last we went through it, just if there is anything that we might need to change or update for you. So just bear with me as I kind of go through these couple of questions here. Now when it comes to your personal information, I have you down here as single with one financial dependent. Is that still correct? Yes. Yeah. Is she still, relying on you financially? A little bit. Okay. Yep. Yeah. No. Perfect. Now when it comes to next up, Ken, I have your sister Julie nominated. Is that still the case as well? Yep. Perfect. I don't have a phone number for them, though. Would you be able to provide that? No. That's okay. Most people are the same. Often, I do sometimes get some troubleshoot with partners. If their partners are close by and they go, oh, I should know this by heart, but I don't. You just don't have to think about it anymore. Yep. Yep. Four seven two. Yep. 451. Great. Perfect. Thank you so much. Now when it comes to your occupation, I have you down here as a chef. Is that still the case? Yeah. Yeah. Chef manager. I will add to that. And you're still enjoying it? Yeah. Mhmm. Perfect. You're working full time? Yes. Perfect. And when did you start that? Oh, perfect. So you must you must enjoy it. Yeah. Perfect. I have income at about 93,000. Yeah. How what do you think? 95. Alright. Perfect. Now your employer, they just still pay you that standard 12% contributions going into superannuation. There's no, like, special enterprise bargain agreement or anything? No. Yeah. Correct. Perfect. And you're not making, like, additional contributions or anything, just that from your employer? No. That's okay. Assets and liabilities, I have here you have a motor vehicle ride at about 5,000. Yeah. Oh, perfect. Now do you have anything owing on the new car? Yeah. And about the 25, or did you put a down payment? Okay. Okay. Oh, perfect. So very nice and blue. Yeah. Perfect. Now do you have any other assets in your name otherwise, Tina, any other costs or no. Any liabilities, like personal loans or credit card or ZipPay? Nope. Nope. Great. Yeah. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Perfect. And have you had any changes to your health in the last twelve months? Any medication or illnesses or anything? No. That's good. Oh, yeah. No. That's okay. Happens to everyone. No. That's good. And do you have to be fair, it happens to everybody. Sorry. Sorry. It's more more like a majority nowadays. And, Tina, do you have private health insurance? Yeah. No. Yeah. No. That is no problem. Estate planning wise, do you have a will in place? No. No. That's okay. You don't have, like, a power of attorney or anyone who makes any financial decisions on your behalf? No. That's good. And are you politically exposed at all or earn any income overseas? Right. Perfect. And for your superannuation, I have Bailey nominated at 50% and Marissa at 50%. Is that correct? Yes. Perfect. And their relationship to you? Great. Perfect. Now when it comes to your goals that you are working on or that you are wanting to achieve, I have here that last time we spoke, your your kind of medium to long term goal was to, hopefully, get in a position where you could buy a property. Is that still kind of, like, a long term goal of yours? No? Yeah. And then, obviously, sitting with a thirty year loan might not be great sometimes either. And either yep. Alright. Just with a very high interest rate, but, you know now do you have any other goals? Like, anything that you are working towards in the next twelve months or a couple of years or anything? Oh, yeah. Oh, nice. Yep. Yep. Yep. Like, trying to get that. Yeah. Alright. Yep. Like, on the site. Yeah. Yep. Yes. And with the increase in prices and everything that's happening as a result, it's a bit of, obviously, uncertainty in a lot of areas. Thing out. Yeah. And, Yeah. Yeah. Still got plenty of time. And are you still kind of thinking of accessing super, drawing an income at about age 67. Do you think you'd work through about then, or what what do you think you plan? Longer. Yep. Not most people are the same or at least wanting to do something part time anyway. Mhmm. Oh, and what kind of cuisine would you go into? Would it be anything in particular? Or no. It's a bit of everything. Yep. Oh, that's good. Yes. Yep. You can kind of tailor based on the different trends, which is very handy. Oh, perfect. Now that's all updated for you, Tina. And the next thing I do kind of wanna run over, it is a bit of an updated risk profile questionnaire. It is just multiple choice to make it nice and easy. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you. And think of these questions as well in regards to your superannuation. Okay? Now have you ever bought direct shares? I'm just not stuck. I'm not gonna no. Perfect. Now kind of thinking about inflation. So, obviously, meaning things are getting more expensive over time, you know, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to try and keep up with the increasing of prices thinking about your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and make sure you stay on top of their increasing prices. Yep. Perfect. You do have plenty of time for those, you know, short term fluctuations in order to long term kinda grow that, So you do definitely have that. And next is kind of in regards to volatility. So how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So not one particular investment that's gone bad, just the market as a whole. Obviously, we're seeing a bit of that at the moment with, yes. Obviously, the last twelve months have been quite you know, there's been a lot going on. First, you had obviously Trump and the tariffs and everything in The US, and now the war and everything. So it's been obviously quite turbulent in the last twelve months. So if it is something, like, that you think about, you know, would you if you had the option to do so, think that, well, now when the prices are down, is potentially a good time to invest a bit more, Or would you kind of just stay a bit neutral, like, just kind of wait and see what happens? Or would you want to shift to a more secure asset? So that means you are then selling when the prices have already dropped. Yeah. Maybe invest. Yep. Yep. Yes. Yes. Yes. No. And and and and long term, we always see the market go up. The short term that you will have some ups and downs. So some years won't be as good. Other years will be really good to kind of even it out. And you do have that time, you know, behind you. So maybe invest a little bit, you know, depending on opportunities and stuff. Yep. Great. Now next one here is if you did see your superannuation fluctuate and drop a bit in value or any assets really, would you think that, you know, you would feel optimistic about future investment opportunities, or would you be a bit more cautious not making further investments or concern or highly anxious? Yep. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Or just for, like, your own property potentially or just no loan? No. No. That's good. And and that tells me here that you have kind of come come out kind of borderline between your growth and your high growth portfolio. And at the moment, we have you invested in that high growth portfolio. And the difference kind of between the two like, they're both very much targeted and focusing on growing superannuation as much as possible. In your high growth, we see about 90% in your growth in investment. So your Australian shares, international shares, and property and commodities, and that's what's going to grow your superannuation in the long term. You do have about 10% in defensive, like your cash, your gold, your fixed interest. Your growth, it's about a 10% difference. So you have about 80% to growth, 22 defensive. And when we are thinking about a time frame, so kind of going back to that as well, in a high growth portfolio, so how you are currently invested in, we do like to say that the minimum time frame until retirement through making sure that you do have a time in the market for those fluctuations to come back around, we wanna see about eight years to retirement. So you certainly have the time in a high growth portfolio as long as you are still comfortable seeing, you know, a bit of those fluctuations in the short term, as long as, obviously, long term, it keeps growing. Which yep. Great. Perfect. And now, Tina, do you have access to your emails at the moment or not really right now? Yep. Okay. So did you receive an email from myself recently? Would have been great. Perfect. If you can click click onto that one for me. Now before you because we have recently changed software, so it might look a little bit different than usual. But before you click on the link where it says sign now, you will see if you scroll down in that email, there should be a couple of attachments. Can you see that? Yep. Now to make it easy for you, which one do you see first? And we can go that way. Yeah. Perfect. So I won't get you to open that one because you have the OQ services guide, and then the second might be the OQ financial financial services guide version four. Now these are just some updated versions for you. It's one of those kind of boring compliance documents, but it does give you everything that you need to know about us there. So we've had a bit of an extension to the team, which is great, and, also, had a bit of a revamp in our marketing. So that's just some updated there for you. So when you have a moment, have a read through them. It's all information you would kind of be across already. Just a bit of an updated version for you. Perfect. Now what's the next one you can see? Yep. Perfect. If you can click on that one for me. Yep. Sorry. That one here shows you a bit of a summary of your super and your insurances. So you can see you have your super with Netwealth. You do have about $94,133 in there. And then underneath that, you can see your insurances. So you have your insurances with ClearView. You have your life and your total permanent disability, and that's about 594,671. And then you do also have your income protection, and that will pay you a monthly benefit of $6,244 per month, a ninety day waiting period to a year benefit period. You do get a 15% tax rebate. So after that, total premium for all three is about 3,430. Do you have any questions in regards to any of that or, you know, quite happy with your insurances and everything? Yep. Perfect. And what is the next one you can see, Tina? Okay. Perfect. So this one will be one that's also in the documents for you to sign. So it's just there for viewing, and that is just your ongoing service agreement. And that's just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the fees. So it stays the same at 1.65 from superannuation, and there is no lock in contract. So if at any point in time you are not happy with the service, there is no lock in contract. But, otherwise, just just let us service you in the meantime. Does that all make sense? Yep. Perfect. And what's the next one for me? Yes. Sorry. If you can open this one for me, and this is probably the one that looks to be the most confusing sometimes, especially if you are looking at it, on the phone because it shows you all the the portfolio. So let me know if you can see that. Yep. So this one here gives you a bit of a breakdown of your portfolio over the last twelve months. Yeah. Now, obviously, like we said as well, there has been a bit of a lot of changes in the market the last twelve months. But kind of over the past, you know, twelve months, that portfolio has been kind of a modest decline, only about 2.81%, which is kind of in linear with the broader market movement. And it is not kind of unexpected over the twelve month period that we have had. Okay. As you can see kind of overall, the the the portfolio kind of remains well positioned. The short term movements like these are quite normal as well as obviously part of the investing in the short term. And you can also see all the individual investments. So the international investments have performed quite well, particularly your Japan, Europe, and The US markets have done good. Gold have also kind of delivered a strong return, which has helped kind of balance out some of the investments that's been kind of underperforming a little bit. The main kind of impact from the investments that have been down has been the Australian equity who has had kind of a bit of a softer year, and we have actually recently made a change through the one that was underperforming a little bit for you. So did you receive an email from us, I think it was on the March 12, in regards to a investment change? Yes. Did did you kind of read over that a little bit? No. That's okay. And it wasn't anything you had to sign or anything. It was just for your reference that, you know, we'd yeah. Exactly. And it was just, you know, it was just giving you a bit of an update that we obviously do ongoing portfolio management and the investment oversight and kind of after going through everything because the investments and markets are always ever involving. So it is important to keep reviewing it. And if there are areas where we foresee that one investment is underperforming a little bit and if we foresee it not, you know, coming back quickly or going to be the best option moving forward, we obviously wanna make sure that we switch these things out for you so we have you in the best options possible. So after the investment committee kind of had a deep dive into the Benelong Australian Equity, which was the one that kind of contributed through the most fluctuation, They decided as well that there was a little bit of issues with the investments. They historically have done really, really well and was one of the best performing fund managers, which is why it was added to their portfolio. More recently, it kind of underperformed a little bit. So we have stopped that one for you for another Australian investment because we still wanna make sure that you have some exposure through, you know, the Australian equity as well. We don't want you to just, you know, concentrate any specific area. We wanna have it diversified. And that one is your BetaShares Australia 200. And that one just basically tracks the 200 largest companies listed in Australia. So you'll have all the big companies like Woolworths and Commonwealth and BHP, all the kind of big companies there. And that one has done a little bit better than Benelon, and it's also a little bit cheaper as well. So that is basically that change. So then moving forward as well, we do foresee that making that change is going to improve the Australian equity component and kind of rebalance the portfolio and position you in the best position for your retirement as well. Do you have any questions with that? I know that's probably a lot. No? No? Great. Now you should have a ClearView COC. Can you see that as well? Yep. And that is just it just breaks down your insurances in a bit more detail. Just basically lets you know that that's all paid and up to date. Perfect. The last one you should see is your 2025 Vanguard index chart. Can you see that one? Yep. Perfect. And this one here, you may have seen before, but it's one of those it is just good for a visual representation because it kind of shows you, you know, the market historically as well, and it kind of goes all the way back to 1995 and takes you through to 2025. And it kind of shows you all the ups and downs of the different asset classes and how they kind of move. And as you can see here as well from the trend that, you know, over the long term, the market always goes up. But short term, there will be some of those ups and downs and market fluctuations. And you can kind of see as well that sometimes the biggest declines are quite closely followed by the market coming back up again. So that's why, you know, short term, you're not too concerned as long as you have good solid investments that are diversified. Perfect. Now, basically, as well, that was all those documents. So if you are happy to do so, if you are wanting to click on the link process sign now, it should then ask you to sign through document. And one is that OSA, that ongoing service agreement. Can you see that? And then the second one should be it's just a compliance. It's a tax file number form just to say we are keeping your tax file number secure on file. And that should be the only ones they ask you to sign because the rest are just for your reference. Perfect. And then once you've kind of added the signature, it should automatically send it back to me. I think it normally says, like, finish or something on your end or or done validate. Yep. If you click on that. Yep. Yep. Sometimes it does take a couple of minutes to come through. So if that looks all updated on your end, did it say that it's kind of loading and sending through? Yeah. No. That's okay. Sometimes with technology, so I'm sure it will come through shortly. Then I will get the team to upload that and get it all sorted for you. Otherwise, Gina, do you have any questions for me at this point? No? Yes. And then also with, you know, there's been we've had a a bit of company structure changes or a bit of growth with the team, and then we had a storm here as well. So we've been running a little bit behind on things as well. So I do obviously appreciate your patience and understand that, you know, work does does get in the way, but I'm glad that we could, you know, reconnect and have a bit of a a bit of a catch up today. And I can just see as well that those forms have just come through to me, so that is great. So I will let you go, and enjoy the rest of your day off. But if there is anything that you need in between the interviews or anything like that, always send us an email or give us a call, and we can always look through in for a bit of a catch up. No problem at all. I hope you have a lovely rest of your day. Mhmm. Thanks, Tina. 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afternoon, Tina. This is Veronica from Financial. How are you? I'm good. Thanks.\n\nI had you booked email this afternoon to go over your annual review. Is now still a good time for you? Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect.\n\nThat's exactly what I have here. And how's your day been so far? I've been busy. Oh, that's lovely. That's nice.\n\nWell, I will try not to take up too much of your time off. But before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of that review today or any areas you would like me to focus on or just a bit of a catch up. No. That's not bad, though. Sometimes that's good that there's no major changes.\n\nYeah. Yeah. Yeah. Oh, good. Oh, perfect.\n\nWell, what I have done is I have to send you an email with some documents to go through. But before I kind of jump on that, I do quickly just wanna run through a bit of an updated fact find just to see if there is anything that has changed since last we went through it, just if there is anything that we might need to change or update for you. So just bear with me as I kind of go through these couple of questions here. Now when it comes to your personal information, I have you down here as single with one financial dependent. Is that still correct?\n\nYes. Yeah. Is she still, relying on you financially? A little bit. Okay.\n\nYep. Yeah. No. Perfect. Now when it comes to next up, Ken, I have your sister Julie nominated.\n\nIs that still the case as well? Yep. Perfect. I don't have a phone number for them, though. Would you be able to provide that?\n\nNo. That's okay. Most people are the same. Often, I do sometimes get some troubleshoot with partners. If their partners are close by and they go, oh, I should know this by heart, but I don't.\n\nYou just don't have to think about it anymore. Yep. Yep. Four seven two. Yep.\n\n451. Great. Perfect. Thank you so much. Now when it comes to your occupation, I have you down here as a chef.\n\nIs that still the case? Yeah. Yeah. Chef manager. I will add to that.\n\nAnd you're still enjoying it? Yeah. Mhmm. Perfect. You're working full time?\n\nYes. Perfect. And when did you start that? Oh, perfect. So you must you must enjoy it.\n\nYeah. Perfect. I have income at about 93,000. Yeah. How what do you think?\n\n95. Alright. Perfect. Now your employer, they just still pay you that standard 12% contributions going into superannuation. There's no, like, special enterprise bargain agreement or anything?\n\nNo. Yeah. Correct. Perfect. And you're not making, like, additional contributions or anything, just that from your employer?\n\nNo. That's okay. Assets and liabilities, I have here you have a motor vehicle ride at about 5,000. Yeah. Oh, perfect.\n\nNow do you have anything owing on the new car? Yeah. And about the 25, or did you put a down payment? Okay. Okay.\n\nOh, perfect. So very nice and blue. Yeah. Perfect. Now do you have any other assets in your name otherwise, Tina, any other costs or no.\n\nAny liabilities, like personal loans or credit card or ZipPay? Nope. Nope. Great. Yeah.\n\nPerfect. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? Perfect. And have you had any changes to your health in the last twelve months?\n\nAny medication or illnesses or anything? No. That's good. Oh, yeah. No.\n\nThat's okay. Happens to everyone. No. That's good. And do you have to be fair, it happens to everybody.\n\nSorry. Sorry. It's more more like a majority nowadays. And, Tina, do you have private health insurance? Yeah.\n\nNo. Yeah. No. That is no problem. Estate planning wise, do you have a will in place?\n\nNo. No. That's okay. You don't have, like, a power of attorney or anyone who makes any financial decisions on your behalf? No.\n\nThat's good. And are you politically exposed at all or earn any income overseas? Right. Perfect. And for your superannuation, I have Bailey nominated at 50% and Marissa at 50%.\n\nIs that correct? Yes. Perfect. And their relationship to you? Great.\n\nPerfect. Now when it comes to your goals that you are working on or that you are wanting to achieve, I have here that last time we spoke, your your kind of medium to long term goal was to, hopefully, get in a position where you could buy a property. Is that still kind of, like, a long term goal of yours? No? Yeah.\n\nAnd then, obviously, sitting with a thirty year loan might not be great sometimes either. And either yep. Alright. Just with a very high interest rate, but, you know now do you have any other goals? Like, anything that you are working towards in the next twelve months or a couple of years or anything?\n\nOh, yeah. Oh, nice. Yep. Yep. Yep.\n\nLike, trying to get that. Yeah. Alright. Yep. Like, on the site.\n\nYeah. Yep. Yes. And with the increase in prices and everything that's happening as a result, it's a bit of, obviously, uncertainty in a lot of areas. Thing out.\n\nYeah. And, Yeah. Yeah. Still got plenty of time. And are you still kind of thinking of accessing super, drawing an income at about age 67.\n\nDo you think you'd work through about then, or what what do you think you plan? Longer. Yep. Not most people are the same or at least wanting to do something part time anyway. Mhmm.\n\nOh, and what kind of cuisine would you go into? Would it be anything in particular? Or no. It's a bit of everything. Yep.\n\nOh, that's good. Yes. Yep. You can kind of tailor based on the different trends, which is very handy. Oh, perfect.\n\nNow that's all updated for you, Tina. And the next thing I do kind of wanna run over, it is a bit of an updated risk profile questionnaire. It is just multiple choice to make it nice and easy. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you.\n\nAnd think of these questions as well in regards to your superannuation. Okay? Now have you ever bought direct shares? I'm just not stuck. I'm not gonna no.\n\nPerfect. Now kind of thinking about inflation. So, obviously, meaning things are getting more expensive over time, you know, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to try and keep up with the increasing of prices thinking about your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and make sure you stay on top of their increasing prices.\n\nYep. Perfect. You do have plenty of time for those, you know, short term fluctuations in order to long term kinda grow that, So you do definitely have that. And next is kind of in regards to volatility. So how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.\n\nSo not one particular investment that's gone bad, just the market as a whole. Obviously, we're seeing a bit of that at the moment with, yes. Obviously, the last twelve months have been quite you know, there's been a lot going on. First, you had obviously Trump and the tariffs and everything in The US, and now the war and everything. So it's been obviously quite turbulent in the last twelve months.\n\nSo if it is something, like, that you think about, you know, would you if you had the option to do so, think that, well, now when the prices are down, is potentially a good time to invest a bit more, Or would you kind of just stay a bit neutral, like, just kind of wait and see what happens? Or would you want to shift to a more secure asset? So that means you are then selling when the prices have already dropped. Yeah. Maybe invest.\n\nYep. Yep. Yes. Yes. Yes.\n\nNo. And and and and long term, we always see the market go up. The short term that you will have some ups and downs. So some years won't be as good. Other years will be really good to kind of even it out.\n\nAnd you do have that time, you know, behind you. So maybe invest a little bit, you know, depending on opportunities and stuff. Yep. Great. Now next one here is if you did see your superannuation fluctuate and drop a bit in value or any assets really, would you think that, you know, you would feel optimistic about future investment opportunities, or would you be a bit more cautious not making further investments or concern or highly anxious?\n\nYep. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property?\n\nOr just for, like, your own property potentially or just no loan? No. No. That's good. And and that tells me here that you have kind of come come out kind of borderline between your growth and your high growth portfolio.\n\nAnd at the moment, we have you invested in that high growth portfolio. And the difference kind of between the two like, they're both very much targeted and focusing on growing superannuation as much as possible. In your high growth, we see about 90% in your growth in investment. So your Australian shares, international shares, and property and commodities, and that's what's going to grow your superannuation in the long term. You do have about 10% in defensive, like your cash, your gold, your fixed interest.\n\nYour growth, it's about a 10% difference. So you have about 80% to growth, 22 defensive. And when we are thinking about a time frame, so kind of going back to that as well, in a high growth portfolio, so how you are currently invested in, we do like to say that the minimum time frame until retirement through making sure that you do have a time in the market for those fluctuations to come back around, we wanna see about eight years to retirement. So you certainly have the time in a high growth portfolio as long as you are still comfortable seeing, you know, a bit of those fluctuations in the short term, as long as, obviously, long term, it keeps growing. Which yep.\n\nGreat. Perfect. And now, Tina, do you have access to your emails at the moment or not really right now? Yep. Okay.\n\nSo did you receive an email from myself recently? Would have been great. Perfect. If you can click click onto that one for me. Now before you because we have recently changed software, so it might look a little bit different than usual.\n\nBut before you click on the link where it says sign now, you will see if you scroll down in that email, there should be a couple of attachments. Can you see that? Yep. Now to make it easy for you, which one do you see first? And we can go that way.\n\nYeah. Perfect. So I won't get you to open that one because you have the OQ services guide, and then the second might be the OQ financial financial services guide version four. Now these are just some updated versions for you. It's one of those kind of boring compliance documents, but it does give you everything that you need to know about us there.\n\nSo we've had a bit of an extension to the team, which is great, and, also, had a bit of a revamp in our marketing. So that's just some updated there for you. So when you have a moment, have a read through them. It's all information you would kind of be across already. Just a bit of an updated version for you.\n\nPerfect. Now what's the next one you can see? Yep. Perfect. If you can click on that one for me.\n\nYep. Sorry. That one here shows you a bit of a summary of your super and your insurances. So you can see you have your super with Netwealth. You do have about $94,133 in there.\n\nAnd then underneath that, you can see your insurances. So you have your insurances with ClearView. You have your life and your total permanent disability, and that's about 594,671. And then you do also have your income protection, and that will pay you a monthly benefit of $6,244 per month, a ninety day waiting period to a year benefit period. You do get a 15% tax rebate.\n\nSo after that, total premium for all three is about 3,430. Do you have any questions in regards to any of that or, you know, quite happy with your insurances and everything? Yep. Perfect. And what is the next one you can see, Tina?\n\nOkay. Perfect. So this one will be one that's also in the documents for you to sign. So it's just there for viewing, and that is just your ongoing service agreement. And that's just to say that you are happy to stay on as a client.\n\nThere is no changes whatsoever in regards to the fees. So it stays the same at 1.65 from superannuation, and there is no lock in contract. So if at any point in time you are not happy with the service, there is no lock in contract. But, otherwise, just just let us service you in the meantime. Does that all make sense?\n\nYep. Perfect. And what's the next one for me? Yes. Sorry.\n\nIf you can open this one for me, and this is probably the one that looks to be the most confusing sometimes, especially if you are looking at it, on the phone because it shows you all the the portfolio. So let me know if you can see that. Yep. So this one here gives you a bit of a breakdown of your portfolio over the last twelve months. Yeah.\n\nNow, obviously, like we said as well, there has been a bit of a lot of changes in the market the last twelve months. But kind of over the past, you know, twelve months, that portfolio has been kind of a modest decline, only about 2.81%, which is kind of in linear with the broader market movement. And it is not kind of unexpected over the twelve month period that we have had. Okay. As you can see kind of overall, the the the portfolio kind of remains well positioned.\n\nThe short term movements like these are quite normal as well as obviously part of the investing in the short term. And you can also see all the individual investments. So the international investments have performed quite well, particularly your Japan, Europe, and The US markets have done good. Gold have also kind of delivered a strong return, which has helped kind of balance out some of the investments that's been kind of underperforming a little bit. The main kind of impact from the investments that have been down has been the Australian equity who has had kind of a bit of a softer year, and we have actually recently made a change through the one that was underperforming a little bit for you.\n\nSo did you receive an email from us, I think it was on the March 12, in regards to a investment change? Yes. Did did you kind of read over that a little bit? No. That's okay.\n\nAnd it wasn't anything you had to sign or anything. It was just for your reference that, you know, we'd yeah. Exactly. And it was just, you know, it was just giving you a bit of an update that we obviously do ongoing portfolio management and the investment oversight and kind of after going through everything because the investments and markets are always ever involving. So it is important to keep reviewing it.\n\nAnd if there are areas where we foresee that one investment is underperforming a little bit and if we foresee it not, you know, coming back quickly or going to be the best option moving forward, we obviously wanna make sure that we switch these things out for you so we have you in the best options possible. So after the investment committee kind of had a deep dive into the Benelong Australian Equity, which was the one that kind of contributed through the most fluctuation, They decided as well that there was a little bit of issues with the investments. They historically have done really, really well and was one of the best performing fund managers, which is why it was added to their portfolio. More recently, it kind of underperformed a little bit. So we have stopped that one for you for another Australian investment because we still wanna make sure that you have some exposure through, you know, the Australian equity as well.\n\nWe don't want you to just, you know, concentrate any specific area. We wanna have it diversified. And that one is your BetaShares Australia 200. And that one just basically tracks the 200 largest companies listed in Australia. So you'll have all the big companies like Woolworths and Commonwealth and BHP, all the kind of big companies there.\n\nAnd that one has done a little bit better than Benelon, and it's also a little bit cheaper as well. So that is basically that change. So then moving forward as well, we do foresee that making that change is going to improve the Australian equity component and kind of rebalance the portfolio and position you in the best position for your retirement as well. Do you have any questions with that? I know that's probably a lot.\n\nNo? No? Great. Now you should have a ClearView COC. Can you see that as well?\n\nYep. And that is just it just breaks down your insurances in a bit more detail. Just basically lets you know that that's all paid and up to date. Perfect. The last one you should see is your 2025 Vanguard index chart.\n\nCan you see that one? Yep. Perfect. And this one here, you may have seen before, but it's one of those it is just good for a visual representation because it kind of shows you, you know, the market historically as well, and it kind of goes all the way back to 1995 and takes you through to 2025. And it kind of shows you all the ups and downs of the different asset classes and how they kind of move.\n\nAnd as you can see here as well from the trend that, you know, over the long term, the market always goes up. But short term, there will be some of those ups and downs and market fluctuations. And you can kind of see as well that sometimes the biggest declines are quite closely followed by the market coming back up again. So that's why, you know, short term, you're not too concerned as long as you have good solid investments that are diversified. Perfect.\n\nNow, basically, as well, that was all those documents. So if you are happy to do so, if you are wanting to click on the link process sign now, it should then ask you to sign through document. And one is that OSA, that ongoing service agreement. Can you see that? And then the second one should be it's just a compliance.\n\nIt's a tax file number form just to say we are keeping your tax file number secure on file. And that should be the only ones they ask you to sign because the rest are just for your reference. Perfect. And then once you've kind of added the signature, it should automatically send it back to me. I think it normally says, like, finish or something on your end or or done validate.\n\nYep. If you click on that. Yep. Yep. Sometimes it does take a couple of minutes to come through.\n\nSo if that looks all updated on your end, did it say that it's kind of loading and sending through? Yeah. No. That's okay. Sometimes with technology, so I'm sure it will come through shortly.\n\nThen I will get the team to upload that and get it all sorted for you. Otherwise, Gina, do you have any questions for me at this point? No? Yes. And then also with, you know, there's been we've had a a bit of company structure changes or a bit of growth with the team, and then we had a storm here as well.\n\nSo we've been running a little bit behind on things as well. So I do obviously appreciate your patience and understand that, you know, work does does get in the way, but I'm glad that we could, you know, reconnect and have a bit of a a bit of a catch up today. And I can just see as well that those forms have just come through to me, so that is great. So I will let you go, and enjoy the rest of your day off. But if there is anything that you need in between the interviews or anything like that, always send us an email or give us a call, and we can always look through in for a bit of a catch up.\n\nNo problem at all. I hope you have a lovely rest of your day. Mhmm. Thanks, Tina. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Tina.","start":3.6799998,"end":4.7999997,"sentiment":"positive","sentiment_score":0.4037022789319356},{"text":"This is Veronica from Financial.","start":4.7999997,"end":6.58,"sentiment":"neutral","sentiment_score":0.3072665810585022},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.24778980016708374},{"text":"I'm good.","start":10.0,"end":10.8,"sentiment":"positive","sentiment_score":0.5496654808521271},{"text":"Thanks.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.6817888021469116}],"sentiment":"positive","sentiment_score":0.3765663504600525,"num_words":14,"start":3.6799998,"end":11.3},{"sentences":[{"text":"I had you booked email this afternoon to go over your annual review.","start":12.495,"end":16.015,"sentiment":"positive","sentiment_score":0.3963707662545718},{"text":"Is now still a good time for you?","start":16.015,"end":17.635,"sentiment":"positive","sentiment_score":0.35425181314349174},{"text":"Yes.","start":18.735,"end":19.235,"sentiment":"neutral","sentiment_score":0.2980591058731079},{"text":"Perfect.","start":19.695,"end":20.195,"sentiment":"positive","sentiment_score":0.5030152797698975},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.735,"end":28.75,"sentiment":"neutral","sentiment_score":0.07034832804367461}],"sentiment":"neutral","sentiment_score":0.20823096856474876,"num_words":52,"start":12.495,"end":28.75},{"sentences":[{"text":"Perfect.","start":30.169998,"end":30.669998,"sentiment":"neutral","sentiment_score":0.2677938938140869},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":30.81,"end":38.43,"sentiment":"neutral","sentiment_score":0.0731410553249029},{"text":"Yep.","start":43.555,"end":44.055,"sentiment":"neutral","sentiment_score":0.013342661783099174},{"text":"Yep.","start":48.035,"end":48.435,"sentiment":"neutral","sentiment_score":0.13293078541755676},{"text":"Perfect.","start":48.435,"end":48.915,"sentiment":"positive","sentiment_score":0.5050233006477356}],"sentiment":"neutral","sentiment_score":0.09402526933699847,"num_words":30,"start":30.169998,"end":48.915},{"sentences":[{"text":"That's exactly what I have here.","start":48.915,"end":50.515,"sentiment":"positive","sentiment_score":0.563123474518458},{"text":"And how's your day been so far?","start":50.515,"end":52.035,"sentiment":"neutral","sentiment_score":0.1579127460718155},{"text":"I've been busy.","start":52.035,"end":52.935,"sentiment":"neutral","sentiment_score":-0.11979625125726064},{"text":"Oh, that's lovely.","start":55.690002,"end":56.75,"sentiment":"positive","sentiment_score":0.406438688437144},{"text":"That's nice.","start":57.21,"end":58.11,"sentiment":"positive","sentiment_score":0.5487463474273682}],"sentiment":"neutral","sentiment_score":0.30674047980989727,"num_words":21,"start":48.915,"end":58.11},{"sentences":[{"text":"Well, I will try not to take up too much of your time off.","start":58.89,"end":62.03,"sentiment":"neutral","sentiment_score":0.009362159562962396},{"text":"But before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of that review today or any areas you would like me to focus on or just a bit of a catch up.","start":63.050003,"end":75.524994,"sentiment":"neutral","sentiment_score":0.039002357552257866},{"text":"No.","start":77.424995,"end":77.924995,"sentiment":"neutral","sentiment_score":-0.08468084782361984},{"text":"That's not bad, though.","start":79.585,"end":80.704994,"sentiment":"neutral","sentiment_score":0.04314358963165432},{"text":"Sometimes that's good that there's no major changes.","start":80.704994,"end":82.965,"sentiment":"neutral","sentiment_score":0.14968802873045206}],"sentiment":"neutral","sentiment_score":0.04360241224234806,"num_words":79,"start":58.89,"end":82.965},{"sentences":[{"text":"Yeah.","start":84.68,"end":85.18,"sentiment":"neutral","sentiment_score":0.016920696943998337},{"text":"Yeah.","start":86.04,"end":86.54,"sentiment":"neutral","sentiment_score":-0.025715120136737823},{"text":"Yeah.","start":88.44,"end":88.76,"sentiment":"neutral","sentiment_score":0.008775323629379272},{"text":"Oh, good.","start":88.76,"end":89.5,"sentiment":"neutral","sentiment_score":0.13722945377230644},{"text":"Oh, perfect.","start":89.72,"end":90.62,"sentiment":"neutral","sentiment_score":0.20799198746681213}],"sentiment":"neutral","sentiment_score":0.09863196898783956,"num_words":7,"start":84.68,"end":90.62},{"sentences":[{"text":"Well, what I have done is I have to send you an email with some documents to go through.","start":91.4,"end":95.66,"sentiment":"neutral","sentiment_score":0.06335872627402607},{"text":"But before I kind of jump on that, I do quickly just wanna run through a bit of an updated fact find just to see if there is anything that has changed since last we went through it, just if there is anything that we might need to change or update for you.","start":96.895004,"end":111.795,"sentiment":"neutral","sentiment_score":0.0399410735886052},{"text":"So just bear with me as I kind of go through these couple of questions here.","start":112.5,"end":116.6,"sentiment":"neutral","sentiment_score":0.041693391161970794},{"text":"Now when it comes to your personal information, I have you down here as single with one financial dependent.","start":117.46,"end":125.079994,"sentiment":"neutral","sentiment_score":0.015938491045840476},{"text":"Is that still correct?","start":125.38,"end":126.67999,"sentiment":"neutral","sentiment_score":0.010291123064234853}],"sentiment":"neutral","sentiment_score":0.039025070091189294,"num_words":111,"start":91.4,"end":126.67999},{"sentences":[{"text":"Yes.","start":130.205,"end":130.705,"sentiment":"neutral","sentiment_score":0.016660476103425026},{"text":"Yeah.","start":134.845,"end":135.245,"sentiment":"neutral","sentiment_score":0.014760151505470276},{"text":"Is she still, relying on you financially?","start":135.245,"end":138.22499,"sentiment":"neutral","sentiment_score":0.006485996568309409},{"text":"A little bit.","start":140.62001,"end":141.18001,"sentiment":"neutral","sentiment_score":-0.014353301065663496},{"text":"Okay.","start":141.18001,"end":141.58,"sentiment":"neutral","sentiment_score":-0.019596148282289505}],"sentiment":"neutral","sentiment_score":0.0010897347775216286,"num_words":13,"start":130.205,"end":141.58},{"sentences":[{"text":"Yep.","start":141.58,"end":142.08,"sentiment":"neutral","sentiment_score":-0.08553275465965271},{"text":"Yeah.","start":143.66,"end":144.14,"sentiment":"neutral","sentiment_score":-0.011236894875764849},{"text":"No.","start":144.14,"end":144.54001,"sentiment":"neutral","sentiment_score":0.003264300525188446},{"text":"Perfect.","start":144.54001,"end":145.04001,"sentiment":"neutral","sentiment_score":0.23659899830818176},{"text":"Now when it comes to next up, Ken, I have your sister Julie nominated.","start":146.3,"end":151.6,"sentiment":"neutral","sentiment_score":0.14074853009411267}],"sentiment":"neutral","sentiment_score":0.11742072614530723,"num_words":18,"start":141.58,"end":151.6},{"sentences":[{"text":"Is that still the case as well?","start":151.74,"end":153.375,"sentiment":"neutral","sentiment_score":0.1088605916925839},{"text":"Yep.","start":154.335,"end":154.815,"sentiment":"neutral","sentiment_score":0.09409218281507492},{"text":"Perfect.","start":154.815,"end":155.315,"sentiment":"neutral","sentiment_score":0.16084906458854675},{"text":"I don't have a phone number for them, though.","start":155.375,"end":157.795,"sentiment":"neutral","sentiment_score":-0.039722646897037826},{"text":"Would you be able to provide that?","start":158.095,"end":160.115,"sentiment":"neutral","sentiment_score":0.006528117028730256}],"sentiment":"neutral","sentiment_score":0.028206335455179213,"num_words":25,"start":151.74,"end":160.115},{"sentences":[{"text":"No.","start":168.27,"end":168.51,"sentiment":"neutral","sentiment_score":-0.08898055553436279},{"text":"That's okay.","start":168.51,"end":169.39,"sentiment":"neutral","sentiment_score":-0.049011437222361565},{"text":"Most people are the same.","start":169.39,"end":170.69,"sentiment":"neutral","sentiment_score":-0.008057167753577232},{"text":"Often, I do sometimes get some troubleshoot with partners.","start":175.87,"end":178.53,"sentiment":"neutral","sentiment_score":0.036502503893441625},{"text":"If their partners are close by and they go, oh, I should know this by heart, but I don't.","start":178.67,"end":183.38501,"sentiment":"neutral","sentiment_score":0.015356559306383133}],"sentiment":"neutral","sentiment_score":0.010916885919868946,"num_words":36,"start":168.27,"end":183.38501},{"sentences":[{"text":"You just don't have to think about it anymore.","start":183.765,"end":185.705,"sentiment":"neutral","sentiment_score":-0.08652984889017211},{"text":"Yep.","start":190.645,"end":191.145,"sentiment":"neutral","sentiment_score":0.017334306612610817},{"text":"Yep.","start":193.045,"end":193.545,"sentiment":"neutral","sentiment_score":0.013548269867897034},{"text":"Four seven two.","start":195.87001,"end":196.83,"sentiment":"neutral","sentiment_score":0.014400899720688662},{"text":"Yep.","start":196.83,"end":197.33,"sentiment":"neutral","sentiment_score":0.0194846298545599}],"sentiment":"neutral","sentiment_score":-0.04567991563429435,"num_words":15,"start":183.765,"end":197.33},{"sentences":[{"text":"451.","start":199.47,"end":200.51001,"sentiment":"neutral","sentiment_score":0.03696026653051376},{"text":"Great.","start":200.51001,"end":200.91,"sentiment":"positive","sentiment_score":0.437809944152832},{"text":"Perfect.","start":200.91,"end":201.31001,"sentiment":"positive","sentiment_score":0.5491109490394592},{"text":"Thank you so much.","start":201.31001,"end":202.45001,"sentiment":"positive","sentiment_score":0.6309591382741928},{"text":"Now when it comes to your occupation, I have you down here as a chef.","start":203.63,"end":207.71,"sentiment":"neutral","sentiment_score":0.0627927285929521}],"sentiment":"neutral","sentiment_score":0.20407312007790263,"num_words":22,"start":199.47,"end":207.71},{"sentences":[{"text":"Is that still the case?","start":207.71,"end":209.17001,"sentiment":"neutral","sentiment_score":0.03748127110302448},{"text":"Yeah.","start":209.205,"end":209.705,"sentiment":"neutral","sentiment_score":0.04435921832919121},{"text":"Yeah.","start":210.965,"end":211.205,"sentiment":"neutral","sentiment_score":0.07852251082658768},{"text":"Chef manager.","start":211.205,"end":212.005,"sentiment":"neutral","sentiment_score":0.10347158089280128},{"text":"I will add to that.","start":212.005,"end":213.225,"sentiment":"neutral","sentiment_score":0.15816108882427216}],"sentiment":"neutral","sentiment_score":0.09343119218413319,"num_words":14,"start":207.71,"end":213.225},{"sentences":[{"text":"And you're still enjoying it?","start":213.365,"end":214.985,"sentiment":"neutral","sentiment_score":0.15303412675857545},{"text":"Yeah.","start":216.645,"end":217.045,"sentiment":"neutral","sentiment_score":0.06019481271505356},{"text":"Mhmm.","start":217.045,"end":217.545,"sentiment":"neutral","sentiment_score":0.07176986336708069},{"text":"Perfect.","start":217.605,"end":218.085,"sentiment":"neutral","sentiment_score":0.1531088948249817},{"text":"You're working full time?","start":218.085,"end":219.625,"sentiment":"neutral","sentiment_score":0.11290638521313667}],"sentiment":"neutral","sentiment_score":0.12515581212937832,"num_words":12,"start":213.365,"end":219.625},{"sentences":[{"text":"Yes.","start":220.725,"end":221.225,"sentiment":"neutral","sentiment_score":0.09407387673854828},{"text":"Perfect.","start":221.365,"end":221.865,"sentiment":"neutral","sentiment_score":0.17403832077980042},{"text":"And when did you start that?","start":222.16501,"end":224.105,"sentiment":"neutral","sentiment_score":0.0621247918655475},{"text":"Oh, perfect.","start":228.07999,"end":228.72,"sentiment":"neutral","sentiment_score":0.20476685464382172},{"text":"So you must you must enjoy it.","start":228.72,"end":230.65999,"sentiment":"neutral","sentiment_score":0.17925299384764262}],"sentiment":"neutral","sentiment_score":0.1355979773489868,"num_words":17,"start":220.725,"end":230.65999},{"sentences":[{"text":"Yeah.","start":231.43999,"end":231.93999,"sentiment":"neutral","sentiment_score":0.09783851355314256},{"text":"Perfect.","start":232.07999,"end":232.57999,"sentiment":"neutral","sentiment_score":0.1825242042541504},{"text":"I have income at about 93,000.","start":233.92,"end":236.34,"sentiment":"neutral","sentiment_score":0.09448001657923062},{"text":"Yeah.","start":240.865,"end":241.365,"sentiment":"neutral","sentiment_score":0.045398179441690445},{"text":"How what do you think?","start":241.425,"end":242.88501,"sentiment":"neutral","sentiment_score":0.03999151960015297}],"sentiment":"neutral","sentiment_score":0.07804275676608086,"num_words":14,"start":231.43999,"end":242.88501},{"sentences":[{"text":"95.","start":245.265,"end":245.905,"sentiment":"neutral","sentiment_score":0.018005777150392532},{"text":"Alright.","start":245.905,"end":246.225,"sentiment":"neutral","sentiment_score":0.2608734667301178},{"text":"Perfect.","start":246.225,"end":246.725,"sentiment":"positive","sentiment_score":0.5806372761726379},{"text":"Now your employer, they just still pay you that standard 12% contributions going into superannuation.","start":248.38501,"end":254.04,"sentiment":"neutral","sentiment_score":0.11743533809979757},{"text":"There's no, like, special enterprise bargain agreement or anything?","start":254.34,"end":257.32,"sentiment":"neutral","sentiment_score":-0.014403017030821906}],"sentiment":"neutral","sentiment_score":0.09227479401010054,"num_words":27,"start":245.265,"end":257.32},{"sentences":[{"text":"No.","start":258.58,"end":259.08,"sentiment":"neutral","sentiment_score":-0.053316518664360046},{"text":"Yeah.","start":259.46,"end":259.69998,"sentiment":"neutral","sentiment_score":0.024623850360512733},{"text":"Correct.","start":259.69998,"end":260.02,"sentiment":"neutral","sentiment_score":0.09305351972579956},{"text":"Perfect.","start":260.02,"end":260.52,"sentiment":"neutral","sentiment_score":0.2385443150997162},{"text":"And you're not making, like, additional contributions or anything, just that from your employer?","start":260.58,"end":264.44,"sentiment":"neutral","sentiment_score":-0.02394573962582009}],"sentiment":"neutral","sentiment_score":-0.0017963993466562694,"num_words":18,"start":258.58,"end":264.44},{"sentences":[{"text":"No.","start":265.22,"end":265.635,"sentiment":"negative","sentiment_score":-0.40033960342407227},{"text":"That's okay.","start":267.23502,"end":268.05502,"sentiment":"neutral","sentiment_score":-0.02297700569033623},{"text":"Assets and liabilities, I have here you have a motor vehicle ride at about 5,000.","start":269.315,"end":274.05502,"sentiment":"neutral","sentiment_score":-0.015098933192590872},{"text":"Yeah.","start":275.715,"end":276.215,"sentiment":"neutral","sentiment_score":0.03251975402235985},{"text":"Oh, perfect.","start":280.21,"end":281.43,"sentiment":"neutral","sentiment_score":0.20411201566457748}],"sentiment":"neutral","sentiment_score":-0.011049229873433,"num_words":21,"start":265.22,"end":281.43},{"sentences":[{"text":"Now do you have anything owing on the new car?","start":281.88998,"end":284.22998,"sentiment":"neutral","sentiment_score":0.029545491095632315},{"text":"Yeah.","start":286.05,"end":286.44998,"sentiment":"neutral","sentiment_score":0.010359922423958778},{"text":"And about the 25, or did you put a down payment?","start":286.44998,"end":289.75,"sentiment":"neutral","sentiment_score":0.000655528073283759},{"text":"Okay.","start":295.235,"end":295.63498,"sentiment":"neutral","sentiment_score":0.008678735233843327},{"text":"Okay.","start":295.63498,"end":296.13498,"sentiment":"neutral","sentiment_score":0.008225403726100922}],"sentiment":"neutral","sentiment_score":0.013747074214431146,"num_words":24,"start":281.88998,"end":296.13498},{"sentences":[{"text":"Oh, perfect.","start":299.63498,"end":300.455,"sentiment":"neutral","sentiment_score":0.32548263669013977},{"text":"So very nice and blue.","start":300.51498,"end":302.34,"sentiment":"positive","sentiment_score":0.3397383689880371},{"text":"Yeah.","start":302.58,"end":302.82,"sentiment":"neutral","sentiment_score":0.11133714020252228},{"text":"Perfect.","start":302.82,"end":303.32,"sentiment":"neutral","sentiment_score":0.19010573625564575},{"text":"Now do you have any other assets in your name otherwise, Tina, any other costs or no.","start":304.26,"end":309.63998,"sentiment":"neutral","sentiment_score":0.023403969867264524}],"sentiment":"neutral","sentiment_score":0.117267980097005,"num_words":26,"start":299.63498,"end":309.63998},{"sentences":[{"text":"Any liabilities, like personal loans or credit card or ZipPay?","start":310.5,"end":314.76,"sentiment":"neutral","sentiment_score":-0.006452949903905392},{"text":"Nope.","start":316.965,"end":317.045,"sentiment":"neutral","sentiment_score":-0.11578085273504256},{"text":"Nope.","start":317.045,"end":317.285,"sentiment":"neutral","sentiment_score":-0.018385320901870728},{"text":"Great.","start":317.285,"end":317.785,"sentiment":"neutral","sentiment_score":0.32407936453819275},{"text":"Yeah.","start":318.885,"end":319.365,"sentiment":"neutral","sentiment_score":0.1621242314577103}],"sentiment":"neutral","sentiment_score":0.02053628023713827,"num_words":14,"start":310.5,"end":319.365},{"sentences":[{"text":"Perfect.","start":319.365,"end":319.865,"sentiment":"neutral","sentiment_score":0.2171378880739212},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker.","start":321.445,"end":325.785,"sentiment":"neutral","sentiment_score":0.10865668608592106},{"text":"Is that still the case?","start":326.325,"end":327.6,"sentiment":"neutral","sentiment_score":0.04644196256995201},{"text":"Perfect.","start":329.28,"end":329.68,"sentiment":"neutral","sentiment_score":0.215011328458786},{"text":"And have you had any changes to your health in the last twelve months?","start":329.68,"end":332.88,"sentiment":"neutral","sentiment_score":0.03888463428510087}],"sentiment":"neutral","sentiment_score":0.07709649495561333,"num_words":34,"start":319.365,"end":332.88},{"sentences":[{"text":"Any medication or illnesses or anything?","start":332.88,"end":335.94,"sentiment":"neutral","sentiment_score":0.001040973390142123},{"text":"No.","start":337.36002,"end":337.76,"sentiment":"neutral","sentiment_score":-0.05121290683746338},{"text":"That's good.","start":337.76,"end":338.66,"sentiment":"neutral","sentiment_score":0.08021279610693455},{"text":"Oh, yeah.","start":341.215,"end":341.875,"sentiment":"neutral","sentiment_score":0.010337118059396744},{"text":"No.","start":342.41498,"end":342.735,"sentiment":"neutral","sentiment_score":-0.015507042407989502}],"sentiment":"neutral","sentiment_score":0.01005214328567187,"num_words":12,"start":332.88,"end":342.735},{"sentences":[{"text":"That's okay.","start":342.735,"end":343.555,"sentiment":"neutral","sentiment_score":0.008037722203880548},{"text":"Happens to everyone.","start":344.495,"end":345.555,"sentiment":"neutral","sentiment_score":0.02278772182762623},{"text":"No.","start":347.13498,"end":347.455,"sentiment":"neutral","sentiment_score":-0.08977952599525452},{"text":"That's good.","start":347.455,"end":348.255,"sentiment":"neutral","sentiment_score":-0.011677684262394907},{"text":"And do you have to be fair, it happens to everybody.","start":348.255,"end":354.13998,"sentiment":"neutral","sentiment_score":-0.04511967335234989}],"sentiment":"neutral","sentiment_score":-0.027632246921329123,"num_words":19,"start":342.735,"end":354.13998},{"sentences":[{"text":"Sorry.","start":354.19998,"end":354.69998,"sentiment":"neutral","sentiment_score":-0.07233673334121704},{"text":"Sorry.","start":354.91998,"end":355.31998,"sentiment":"neutral","sentiment_score":-0.06429018825292587},{"text":"It's more more like a majority nowadays.","start":355.31998,"end":357.81998,"sentiment":"neutral","sentiment_score":-0.06318100169301033},{"text":"And, Tina, do you have private health insurance?","start":359.24,"end":361.41998,"sentiment":"neutral","sentiment_score":-0.026281768223270774},{"text":"Yeah.","start":368.695,"end":369.17502,"sentiment":"neutral","sentiment_score":-0.061434246599674225}],"sentiment":"neutral","sentiment_score":-0.04725457365728087,"num_words":18,"start":354.19998,"end":369.17502},{"sentences":[{"text":"No.","start":369.17502,"end":369.67502,"sentiment":"neutral","sentiment_score":-0.2217056900262833},{"text":"Yeah.","start":370.695,"end":371.17502,"sentiment":"neutral","sentiment_score":-0.06473483145236969},{"text":"No.","start":371.17502,"end":371.335,"sentiment":"neutral","sentiment_score":-0.010250715538859367},{"text":"That is no problem.","start":371.335,"end":372.715,"sentiment":"neutral","sentiment_score":0.05107480473816395},{"text":"Estate planning wise, do you have a will in place?","start":374.135,"end":377.595,"sentiment":"neutral","sentiment_score":0.002604873664677143}],"sentiment":"neutral","sentiment_score":-0.0039025459657697115,"num_words":17,"start":369.17502,"end":377.595},{"sentences":[{"text":"No.","start":379.7,"end":380.2,"sentiment":"neutral","sentiment_score":-0.12459802627563477},{"text":"No.","start":380.90002,"end":381.14,"sentiment":"neutral","sentiment_score":-0.1191621646285057},{"text":"That's okay.","start":381.14,"end":381.96002,"sentiment":"neutral","sentiment_score":-0.06039142422378063},{"text":"You don't have, like, a power of attorney or anyone who makes any financial decisions on your behalf?","start":383.06,"end":387.86002,"sentiment":"neutral","sentiment_score":-0.1091533928281731},{"text":"No.","start":387.86002,"end":388.1,"sentiment":"neutral","sentiment_score":-0.12486129254102708}],"sentiment":"neutral","sentiment_score":-0.10670284359999326,"num_words":23,"start":379.7,"end":388.1},{"sentences":[{"text":"That's good.","start":388.1,"end":389.0,"sentiment":"neutral","sentiment_score":-0.04247740563005209},{"text":"And are you politically exposed at all or earn any income overseas?","start":390.1,"end":394.88498,"sentiment":"neutral","sentiment_score":-0.06722409961124261},{"text":"Right.","start":396.54498,"end":396.94498,"sentiment":"neutral","sentiment_score":0.06747524440288544},{"text":"Perfect.","start":396.94498,"end":397.44498,"sentiment":"neutral","sentiment_score":0.3068632483482361},{"text":"And for your superannuation, I have Bailey nominated at 50% and Marissa at 50%.","start":398.38498,"end":406.78497,"sentiment":"neutral","sentiment_score":0.19042654441935675}],"sentiment":"neutral","sentiment_score":0.07162220360090335,"num_words":30,"start":388.1,"end":406.78497},{"sentences":[{"text":"Is that correct?","start":406.78497,"end":407.685,"sentiment":"neutral","sentiment_score":0.14146230866511664},{"text":"Yes.","start":408.24,"end":408.74,"sentiment":"neutral","sentiment_score":0.19651684165000916},{"text":"Perfect.","start":409.44,"end":409.92,"sentiment":"positive","sentiment_score":0.4350535273551941},{"text":"And their relationship to you?","start":409.92,"end":412.1,"sentiment":"neutral","sentiment_score":0.2254014104604721},{"text":"Great.","start":414.64,"end":415.14,"sentiment":"positive","sentiment_score":0.6858760714530945}],"sentiment":"neutral","sentiment_score":0.26080367443236435,"num_words":11,"start":406.78497,"end":415.14},{"sentences":[{"text":"Perfect.","start":415.28,"end":415.78,"sentiment":"positive","sentiment_score":0.5832621455192566},{"text":"Now when it comes to your goals that you are working on or that you are wanting to achieve, I have here that last time we spoke, your your kind of medium to long term goal was to, hopefully, get in a position where you could buy a property.","start":417.68,"end":432.715,"sentiment":"neutral","sentiment_score":0.15846027814003885},{"text":"Is that still kind of, like, a long term goal of yours?","start":433.255,"end":436.475,"sentiment":"neutral","sentiment_score":0.12169907117883365},{"text":"No?","start":438.65002,"end":439.15002,"sentiment":"neutral","sentiment_score":-0.1572600156068802},{"text":"Yeah.","start":443.45,"end":443.95,"sentiment":"neutral","sentiment_score":-0.07224094122648239}],"sentiment":"neutral","sentiment_score":0.14966724487021565,"num_words":64,"start":415.28,"end":443.95},{"sentences":[{"text":"And then, obviously, sitting with a thirty year loan might not be great sometimes either.","start":444.17,"end":449.87003,"sentiment":"neutral","sentiment_score":-0.09954086641470591},{"text":"And either yep.","start":451.29,"end":454.695,"sentiment":"neutral","sentiment_score":-0.02076062249640624},{"text":"Alright.","start":457.395,"end":457.895,"sentiment":"neutral","sentiment_score":0.016149241477251053},{"text":"Just with a very high interest rate, but, you know now do you have any other goals?","start":458.755,"end":466.15,"sentiment":"neutral","sentiment_score":-0.010172911207465565},{"text":"Like, anything that you are working towards in the next twelve months or a couple of years or anything?","start":466.15,"end":471.45,"sentiment":"neutral","sentiment_score":0.03617395176307151}],"sentiment":"neutral","sentiment_score":-0.01863418235020204,"num_words":55,"start":444.17,"end":471.45},{"sentences":[{"text":"Oh, yeah.","start":476.805,"end":488.345,"sentiment":"neutral","sentiment_score":0.11307607218623161},{"text":"Oh, nice.","start":488.565,"end":489.305,"sentiment":"neutral","sentiment_score":0.22435860335826874},{"text":"Yep.","start":497.85,"end":498.35,"sentiment":"neutral","sentiment_score":0.01819047704339027},{"text":"Yep.","start":503.225,"end":503.725,"sentiment":"neutral","sentiment_score":0.028822800144553185},{"text":"Yep.","start":504.105,"end":504.605,"sentiment":"neutral","sentiment_score":0.00467895669862628}],"sentiment":"neutral","sentiment_score":0.1037945121393672,"num_words":7,"start":476.805,"end":504.605},{"sentences":[{"text":"Like, trying to get that.","start":508.825,"end":510.285,"sentiment":"neutral","sentiment_score":0.07104510664939881},{"text":"Yeah.","start":514.84,"end":515.34,"sentiment":"neutral","sentiment_score":0.08573798835277557},{"text":"Alright.","start":515.48004,"end":515.98004,"sentiment":"neutral","sentiment_score":0.11217858642339706},{"text":"Yep.","start":521.88,"end":522.38,"sentiment":"neutral","sentiment_score":0.055891312658786774},{"text":"Like, on the site.","start":524.84,"end":525.98004,"sentiment":"neutral","sentiment_score":0.03616660227999091}],"sentiment":"neutral","sentiment_score":0.06280831915015976,"num_words":12,"start":508.825,"end":525.98004},{"sentences":[{"text":"Yeah.","start":526.695,"end":527.195,"sentiment":"neutral","sentiment_score":0.022405847907066345},{"text":"Yep.","start":531.015,"end":531.515,"sentiment":"neutral","sentiment_score":-0.06417424976825714},{"text":"Yes.","start":537.73505,"end":538.23505,"sentiment":"neutral","sentiment_score":-0.028609909117221832},{"text":"And with the increase in prices and everything that's happening as a result, it's a bit of, obviously, uncertainty in a lot of areas.","start":538.58,"end":545.96,"sentiment":"neutral","sentiment_score":-0.18839758355170488},{"text":"Thing out.","start":547.06,"end":547.86,"sentiment":"neutral","sentiment_score":0.10922222211956978}],"sentiment":"neutral","sentiment_score":-0.1508095128269031,"num_words":29,"start":526.695,"end":547.86},{"sentences":[{"text":"Yeah.","start":547.86,"end":548.36,"sentiment":"neutral","sentiment_score":0.042361319065093994},{"text":"And, Yeah.","start":548.42,"end":552.055,"sentiment":"neutral","sentiment_score":-0.008884714916348457},{"text":"Yeah.","start":552.995,"end":553.395,"sentiment":"neutral","sentiment_score":0.06759937107563019},{"text":"Still got plenty of time.","start":553.395,"end":554.775,"sentiment":"neutral","sentiment_score":0.07076313346624374},{"text":"And are you still kind of thinking of accessing super, drawing an income at about age 67.","start":556.515,"end":564.12,"sentiment":"neutral","sentiment_score":0.04357223892036606}],"sentiment":"neutral","sentiment_score":0.045643653434056505,"num_words":26,"start":547.86,"end":564.12},{"sentences":[{"text":"Do you think you'd work through about then, or what what do you think you plan?","start":564.12,"end":568.46,"sentiment":"neutral","sentiment_score":-0.027734134229831398},{"text":"Longer.","start":569.4,"end":569.9,"sentiment":"neutral","sentiment_score":-0.02332278899848461},{"text":"Yep.","start":570.04004,"end":570.54004,"sentiment":"neutral","sentiment_score":0.013050000183284284},{"text":"Not most people are the same or at least wanting to do something part time anyway.","start":571.4,"end":575.98004,"sentiment":"neutral","sentiment_score":-0.1748648746870458},{"text":"Mhmm.","start":576.885,"end":577.385,"sentiment":"neutral","sentiment_score":-0.05205586552619934}],"sentiment":"neutral","sentiment_score":-0.094397508486041,"num_words":35,"start":564.12,"end":577.385},{"sentences":[{"text":"Oh, and what kind of cuisine would you go into?","start":579.765,"end":583.065,"sentiment":"neutral","sentiment_score":-0.0006391048431396484},{"text":"Would it be anything in particular?","start":583.125,"end":585.22504,"sentiment":"neutral","sentiment_score":-0.0009412802755832667},{"text":"Or no.","start":585.525,"end":590.84,"sentiment":"neutral","sentiment_score":-0.06076101493090391},{"text":"It's a bit of everything.","start":591.54004,"end":592.68005,"sentiment":"neutral","sentiment_score":0.0010101623833179475},{"text":"Yep.","start":594.10004,"end":594.60004,"sentiment":"neutral","sentiment_score":0.10266106575727464}],"sentiment":"neutral","sentiment_score":-0.0010770367613683138,"num_words":24,"start":579.765,"end":594.60004},{"sentences":[{"text":"Oh, that's good.","start":595.62,"end":596.60004,"sentiment":"positive","sentiment_score":0.437127818663915},{"text":"Yes.","start":598.82,"end":599.32,"sentiment":"neutral","sentiment_score":0.16928833723068237},{"text":"Yep.","start":608.675,"end":609.07495,"sentiment":"neutral","sentiment_score":0.1933499276638031},{"text":"You can kind of tailor based on the different trends, which is very handy.","start":609.07495,"end":613.33496,"sentiment":"neutral","sentiment_score":0.26763773603098734},{"text":"Oh, perfect.","start":615.36,"end":616.18,"sentiment":"neutral","sentiment_score":0.3113897442817688}],"sentiment":"neutral","sentiment_score":0.2877966435182662,"num_words":21,"start":595.62,"end":616.18},{"sentences":[{"text":"Now that's all updated for you, Tina.","start":617.44,"end":619.6,"sentiment":"neutral","sentiment_score":0.18981328925916127},{"text":"And the next thing I do kind of wanna run over, it is a bit of an updated risk profile questionnaire.","start":619.6,"end":624.82,"sentiment":"neutral","sentiment_score":0.12547628652481807},{"text":"It is just multiple choice to make it nice and easy.","start":625.92,"end":629.005,"sentiment":"positive","sentiment_score":0.5902917845682665},{"text":"There is no right or wrong answer.","start":629.005,"end":631.165,"sentiment":"neutral","sentiment_score":0.15473100968769618},{"text":"It's just whatever you feel is the most appropriate for you.","start":631.165,"end":635.02496,"sentiment":"positive","sentiment_score":0.35779854926196014}],"sentiment":"neutral","sentiment_score":0.27150536459266095,"num_words":57,"start":617.44,"end":635.02496},{"sentences":[{"text":"And think of these questions as well in regards to your superannuation.","start":635.485,"end":639.82495,"sentiment":"neutral","sentiment_score":0.2355614739159743},{"text":"Okay?","start":640.285,"end":640.785,"sentiment":"neutral","sentiment_score":0.06577570736408234},{"text":"Now have you ever bought direct shares?","start":642.92,"end":645.42,"sentiment":"neutral","sentiment_score":0.019006570535046712},{"text":"I'm just not stuck.","start":646.27997,"end":647.32,"sentiment":"neutral","sentiment_score":-0.2906695567071438},{"text":"I'm not gonna no.","start":647.32,"end":648.12,"sentiment":"neutral","sentiment_score":-0.19804111868143082}],"sentiment":"neutral","sentiment_score":0.0382398816623858,"num_words":28,"start":635.485,"end":648.12},{"sentences":[{"text":"Perfect.","start":648.12,"end":648.62,"sentiment":"neutral","sentiment_score":0.2498604357242584},{"text":"Now kind of thinking about inflation.","start":650.04,"end":652.54,"sentiment":"neutral","sentiment_score":-0.05112173780798912},{"text":"So, obviously, meaning things are getting more expensive over time, you know, making your money worth less, and everything is costing a little bit more.","start":654.005,"end":662.265,"sentiment":"neutral","sentiment_score":-0.19511763900518417},{"text":"Now how much of a risk are you willing to take in order to try and keep up with the increasing of prices thinking about your superannuation?","start":662.805,"end":672.6,"sentiment":"neutral","sentiment_score":-0.09345952728418289},{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and make sure you stay on top of their increasing prices.","start":673.94,"end":685.335,"sentiment":"neutral","sentiment_score":-0.05810486674308777}],"sentiment":"neutral","sentiment_score":-0.10097753764823714,"num_words":94,"start":648.12,"end":685.335},{"sentences":[{"text":"Yep.","start":690.59503,"end":691.09503,"sentiment":"neutral","sentiment_score":0.24835434556007385},{"text":"Perfect.","start":691.235,"end":691.735,"sentiment":"positive","sentiment_score":0.4041758179664612},{"text":"You do have plenty of time for those, you know, short term fluctuations in order to long term kinda grow that, So you do definitely have that.","start":692.03503,"end":699.79004,"sentiment":"neutral","sentiment_score":0.13828795789568513},{"text":"And next is kind of in regards to volatility.","start":701.05,"end":703.39,"sentiment":"neutral","sentiment_score":-0.10020088197456466},{"text":"So how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":704.09,"end":718.175,"sentiment":"neutral","sentiment_score":-0.2992121153511107}],"sentiment":"neutral","sentiment_score":-0.08700415146137987,"num_words":70,"start":690.59503,"end":718.175},{"sentences":[{"text":"So not one particular investment that's gone bad, just the market as a whole.","start":718.175,"end":723.295,"sentiment":"negative","sentiment_score":-0.34231284047876087},{"text":"Obviously, we're seeing a bit of that at the moment with, yes.","start":723.295,"end":729.02,"sentiment":"neutral","sentiment_score":-0.17923283825318018},{"text":"Obviously, the last twelve months have been quite you know, there's been a lot going on.","start":729.56,"end":734.12,"sentiment":"neutral","sentiment_score":-0.20314127299934626},{"text":"First, you had obviously Trump and the tariffs and everything in The US, and now the war and everything.","start":734.12,"end":739.4,"sentiment":"neutral","sentiment_score":-0.17020552174041145},{"text":"So it's been obviously quite turbulent in the last twelve months.","start":739.4,"end":743.685,"sentiment":"neutral","sentiment_score":-0.21631454608657144}],"sentiment":"neutral","sentiment_score":-0.21953887657986748,"num_words":72,"start":718.175,"end":743.685},{"sentences":[{"text":"So if it is something, like, that you think about, you know, would you if you had the option to do so, think that, well, now when the prices are down, is potentially a good time to invest a bit more, Or would you kind of just stay a bit neutral, like, just kind of wait and see what happens?","start":743.685,"end":760.69,"sentiment":"neutral","sentiment_score":0.07028318593899409},{"text":"Or would you want to shift to a more secure asset?","start":761.55005,"end":765.49005,"sentiment":"neutral","sentiment_score":0.006404092704707926},{"text":"So that means you are then selling when the prices have already dropped.","start":765.71,"end":768.85004,"sentiment":"neutral","sentiment_score":-0.022711891107834302},{"text":"Yeah.","start":772.485,"end":772.885,"sentiment":"neutral","sentiment_score":-0.005852648057043552},{"text":"Maybe 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and long term, we always see the market go up.","start":786.5,"end":791.38,"sentiment":"neutral","sentiment_score":-0.023976343039136667},{"text":"The short term that you will have some ups and downs.","start":791.38,"end":793.94,"sentiment":"neutral","sentiment_score":-0.08074002848430113},{"text":"So some years won't be as good.","start":793.94,"end":795.54,"sentiment":"neutral","sentiment_score":-0.1183854735323361},{"text":"Other years will be really good to kind of even it out.","start":795.54,"end":798.66504,"sentiment":"neutral","sentiment_score":0.015579298914720615}],"sentiment":"neutral","sentiment_score":-0.04550977872515267,"num_words":44,"start":784.9,"end":798.66504},{"sentences":[{"text":"And you do have that time, you know, behind you.","start":798.66504,"end":801.065,"sentiment":"neutral","sentiment_score":0.10272392630577087},{"text":"So maybe invest a little bit, you know, depending on opportunities and stuff.","start":801.065,"end":806.525,"sentiment":"neutral","sentiment_score":0.09396790369198872},{"text":"Yep.","start":807.625,"end":808.025,"sentiment":"neutral","sentiment_score":0.1303896605968475},{"text":"Great.","start":808.025,"end":808.525,"sentiment":"positive","sentiment_score":0.3823378682136536},{"text":"Now next one here is if you did see your superannuation fluctuate and drop a bit in value or any assets really, would you think that, you know, you would feel optimistic about future investment opportunities, or would you be a bit more cautious not making further investments or concern or highly anxious?","start":809.465,"end":834.42505,"sentiment":"neutral","sentiment_score":-0.04666281691840235}],"sentiment":"neutral","sentiment_score":0.0036976954254966518,"num_words":78,"start":798.66504,"end":834.42505},{"sentences":[{"text":"Yep.","start":837.525,"end":838.025,"sentiment":"neutral","sentiment_score":0.13038206100463867},{"text":"Perfect.","start":838.085,"end":838.585,"sentiment":"neutral","sentiment_score":0.2583925724029541},{"text":"And last one here is, would you ever consider taking out a loan to invest in stocks or funds?","start":839.33,"end":846.95,"sentiment":"neutral","sentiment_score":0.018550872116496687},{"text":"No.","start":849.49,"end":849.81,"sentiment":"neutral","sentiment_score":-0.08743730187416077},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":849.81,"end":852.95,"sentiment":"neutral","sentiment_score":-0.05904984130309178}],"sentiment":"neutral","sentiment_score":-0.00325268671980926,"num_words":35,"start":837.525,"end":852.95},{"sentences":[{"text":"Or just for, like, your own property potentially or just no loan?","start":858.185,"end":862.925,"sentiment":"neutral","sentiment_score":-0.07233162100116412},{"text":"No.","start":864.985,"end":865.485,"sentiment":"neutral","sentiment_score":-0.3213334083557129},{"text":"No.","start":867.77997,"end":868.1,"sentiment":"negative","sentiment_score":-0.4136863946914673},{"text":"That's good.","start":868.1,"end":869.32,"sentiment":"neutral","sentiment_score":-0.3250305950641632},{"text":"And and that tells me here that you have kind of come come out kind of borderline between your growth and your high growth portfolio.","start":870.58,"end":878.6,"sentiment":"neutral","sentiment_score":-0.2833363837003708}],"sentiment":"neutral","sentiment_score":-0.2277187814072865,"num_words":41,"start":858.185,"end":878.6},{"sentences":[{"text":"And at the moment, we have you invested in that high growth portfolio.","start":879.735,"end":883.675,"sentiment":"neutral","sentiment_score":0.12704959167883947},{"text":"And the difference kind of between the two like, they're both very much targeted and focusing on growing superannuation as much as possible.","start":884.455,"end":891.595,"sentiment":"neutral","sentiment_score":0.19672343458818353},{"text":"In your high growth, we see about 90% in your growth in investment.","start":892.49,"end":898.19,"sentiment":"neutral","sentiment_score":0.2900509536266327},{"text":"So your Australian shares, international shares, and property and commodities, and that's what's going to grow your superannuation in the long term.","start":899.05,"end":906.99,"sentiment":"positive","sentiment_score":0.38688563487746497},{"text":"You do have about 10% in defensive, like your cash, your gold, your fixed interest.","start":907.155,"end":912.695,"sentiment":"neutral","sentiment_score":0.15612215548753738}],"sentiment":"neutral","sentiment_score":0.24186351609437964,"num_words":86,"start":879.735,"end":912.695},{"sentences":[{"text":"Your growth, it's about a 10% difference.","start":914.59503,"end":916.91504,"sentiment":"neutral","sentiment_score":0.1725564705474036},{"text":"So you have about 80% to growth, 22 defensive.","start":916.91504,"end":920.87,"sentiment":"neutral","sentiment_score":0.1806336392958959},{"text":"And when we are thinking about a time frame, so kind of going back to that as well, in a high growth portfolio, so how you are currently invested in, we do like to say that the minimum time frame until retirement through making sure that you do have a time in the market for those fluctuations to come back around, we wanna see about eight years to retirement.","start":921.73,"end":944.165,"sentiment":"neutral","sentiment_score":0.08857255358842836},{"text":"So you certainly have the time in a high growth portfolio as long as you are still comfortable seeing, you know, a bit of those fluctuations in the short term, as long as, obviously, long term, it keeps growing.","start":944.84,"end":956.7,"sentiment":"neutral","sentiment_score":0.18685533220951372},{"text":"Which yep.","start":958.335,"end":959.315,"sentiment":"neutral","sentiment_score":0.15600893646478653}],"sentiment":"neutral","sentiment_score":0.13130539741426234,"num_words":126,"start":914.59503,"end":959.315},{"sentences":[{"text":"Great.","start":959.375,"end":959.875,"sentiment":"positive","sentiment_score":0.5495003461837769},{"text":"Perfect.","start":960.09503,"end":960.59503,"sentiment":"positive","sentiment_score":0.5096918940544128},{"text":"And now, Tina, do you have access to your emails at the moment or not really right now?","start":961.935,"end":966.655,"sentiment":"neutral","sentiment_score":0.04297849158239034},{"text":"Yep.","start":966.655,"end":967.055,"sentiment":"neutral","sentiment_score":0.021061256527900696},{"text":"Okay.","start":967.055,"end":967.555,"sentiment":"neutral","sentiment_score":0.018426990136504173}],"sentiment":"neutral","sentiment_score":0.08510424251752821,"num_words":22,"start":959.375,"end":967.555},{"sentences":[{"text":"So did you receive an email from myself recently?","start":968.335,"end":973.01,"sentiment":"neutral","sentiment_score":0.011032224943240484},{"text":"Would have been great.","start":973.95,"end":975.47003,"sentiment":"neutral","sentiment_score":0.07321640802547336},{"text":"Perfect.","start":975.47003,"end":975.97003,"sentiment":"neutral","sentiment_score":0.329183429479599},{"text":"If you can click click onto that one for me.","start":977.15,"end":979.31,"sentiment":"neutral","sentiment_score":0.08703950569033622},{"text":"Now before you because we have recently changed software, so it might look a little bit different than usual.","start":979.31,"end":984.21,"sentiment":"neutral","sentiment_score":0.024598217814376478}],"sentiment":"neutral","sentiment_score":0.04788605305691098,"num_words":43,"start":968.335,"end":984.21},{"sentences":[{"text":"But before you click on the link where it says sign now, you will see if you scroll down in that email, there should be a couple of attachments.","start":984.795,"end":994.015,"sentiment":"neutral","sentiment_score":0.04316112084378456},{"text":"Can you see that?","start":994.475,"end":995.615,"sentiment":"neutral","sentiment_score":0.05190183501690626},{"text":"Yep.","start":995.675,"end":996.175,"sentiment":"neutral","sentiment_score":0.08232995867729187},{"text":"Now to make it easy for you, which one do you see first?","start":996.875,"end":1000.53,"sentiment":"neutral","sentiment_score":0.17138879688886496},{"text":"And we can go that way.","start":1000.53,"end":1001.99005,"sentiment":"neutral","sentiment_score":0.1674000844359398}],"sentiment":"neutral","sentiment_score":0.09007669187519911,"num_words":53,"start":984.795,"end":1001.99005},{"sentences":[{"text":"Yeah.","start":1005.65,"end":1005.97003,"sentiment":"neutral","sentiment_score":0.16621872782707214},{"text":"Perfect.","start":1005.97003,"end":1006.37006,"sentiment":"neutral","sentiment_score":0.09309276938438416},{"text":"So I won't get you to open that one because you have the OQ services guide, and then the second might be the OQ financial financial services guide version four.","start":1006.37006,"end":1016.835,"sentiment":"neutral","sentiment_score":-0.032649524571994944},{"text":"Now these are just some updated versions for you.","start":1017.055,"end":1021.695,"sentiment":"neutral","sentiment_score":0.021912472529543772},{"text":"It's one of those kind of boring compliance documents, but it does give you everything that you need to know about us there.","start":1021.695,"end":1027.7599,"sentiment":"neutral","sentiment_score":0.18607093187291984}],"sentiment":"neutral","sentiment_score":0.05869796009210404,"num_words":64,"start":1005.65,"end":1027.7599},{"sentences":[{"text":"So we've had a bit of an extension to the team, which is great, and, also, had a bit of a revamp in our marketing.","start":1027.7599,"end":1033.7599,"sentiment":"positive","sentiment_score":0.4783753216266632},{"text":"So that's just some updated there for you.","start":1033.7599,"end":1036.1599,"sentiment":"neutral","sentiment_score":0.31507493555545807},{"text":"So when you have a moment, have a read through them.","start":1036.1599,"end":1038.72,"sentiment":"neutral","sentiment_score":0.1541144373742017},{"text":"It's all information you would kind of be across already.","start":1039.12,"end":1042.1,"sentiment":"neutral","sentiment_score":0.18183630406856538},{"text":"Just a bit of an updated version for you.","start":1042.575,"end":1044.6749,"sentiment":"neutral","sentiment_score":0.20837540593412188}],"sentiment":"neutral","sentiment_score":0.3153806830209399,"num_words":63,"start":1027.7599,"end":1044.6749},{"sentences":[{"text":"Perfect.","start":1046.1749,"end":1046.575,"sentiment":"positive","sentiment_score":0.6462876796722412},{"text":"Now what's the next one you can see?","start":1046.575,"end":1048.595,"sentiment":"neutral","sentiment_score":0.13252423983067274},{"text":"Yep.","start":1052.975,"end":1053.375,"sentiment":"neutral","sentiment_score":0.14122164249420166},{"text":"Perfect.","start":1053.375,"end":1053.695,"sentiment":"neutral","sentiment_score":0.30586689710617065},{"text":"If you can click on that one for me.","start":1053.695,"end":1055.43,"sentiment":"neutral","sentiment_score":0.14416608379946816}],"sentiment":"neutral","sentiment_score":0.17255324460566043,"num_words":20,"start":1046.1749,"end":1055.43},{"sentences":[{"text":"Yep.","start":1056.9501,"end":1057.43,"sentiment":"neutral","sentiment_score":0.04343947395682335},{"text":"Sorry.","start":1057.43,"end":1057.93,"sentiment":"neutral","sentiment_score":0.025929545983672145},{"text":"That one here shows you a bit of a summary of your super and your insurances.","start":1058.0701,"end":1061.6901,"sentiment":"neutral","sentiment_score":0.10191827383823693},{"text":"So you can see you have your super with Netwealth.","start":1062.39,"end":1065.37,"sentiment":"neutral","sentiment_score":0.11943936198949814},{"text":"You do have about $94,133 in there.","start":1065.8301,"end":1071.105,"sentiment":"neutral","sentiment_score":0.12013572028705052}],"sentiment":"neutral","sentiment_score":0.10672585895018918,"num_words":35,"start":1056.9501,"end":1071.105},{"sentences":[{"text":"And then underneath that, you can see your insurances.","start":1071.665,"end":1074.565,"sentiment":"neutral","sentiment_score":0.07310197916295794},{"text":"So you have your insurances with ClearView.","start":1074.705,"end":1077.205,"sentiment":"neutral","sentiment_score":0.1282939836382866},{"text":"You have your life and your total permanent disability, and that's about 594,671.","start":1077.905,"end":1086.565,"sentiment":"neutral","sentiment_score":0.11773841025737616},{"text":"And then you do also have your income protection, and that will pay you a monthly benefit of $6,244 per month, a ninety day waiting period to a year benefit period.","start":1087.08,"end":1099.98,"sentiment":"neutral","sentiment_score":0.1368072059366011},{"text":"You do get a 15% tax rebate.","start":1100.265,"end":1102.685,"sentiment":"neutral","sentiment_score":0.18398644668715342}],"sentiment":"neutral","sentiment_score":0.12858960510634665,"num_words":67,"start":1071.665,"end":1102.685},{"sentences":[{"text":"So after that, total premium for all three is about 3,430.","start":1102.8251,"end":1107.965,"sentiment":"neutral","sentiment_score":0.12999462471766907},{"text":"Do you have any questions in regards to any of that or, you know, quite happy with your insurances and everything?","start":1108.665,"end":1114.205,"sentiment":"neutral","sentiment_score":-0.0733561942442542},{"text":"Yep.","start":1115.23,"end":1115.71,"sentiment":"neutral","sentiment_score":0.11745209991931917},{"text":"Perfect.","start":1115.71,"end":1116.21,"sentiment":"positive","sentiment_score":0.34234297275543213},{"text":"And what is the next one you can see, Tina?","start":1116.51,"end":1118.9299,"sentiment":"neutral","sentiment_score":0.09622969403862953}],"sentiment":"neutral","sentiment_score":0.029808018314228815,"num_words":44,"start":1102.8251,"end":1118.9299},{"sentences":[{"text":"Okay.","start":1126.59,"end":1127.09,"sentiment":"neutral","sentiment_score":0.18673723936080933},{"text":"Perfect.","start":1127.3099,"end":1127.8099,"sentiment":"positive","sentiment_score":0.36755257844924927},{"text":"So this one will be one that's also in the documents for you to sign.","start":1129.815,"end":1134.615,"sentiment":"neutral","sentiment_score":0.15234927820662658},{"text":"So it's just there for viewing, and that is just your ongoing service agreement.","start":1134.615,"end":1139.835,"sentiment":"neutral","sentiment_score":0.18116330887590135},{"text":"And that's just to say that you are happy to stay on as a client.","start":1140.9349,"end":1144.235,"sentiment":"positive","sentiment_score":0.7265332659085592}],"sentiment":"positive","sentiment_score":0.3537785718217492,"num_words":46,"start":1126.59,"end":1144.235},{"sentences":[{"text":"There is no changes whatsoever in regards to the fees.","start":1144.6699,"end":1148.5299,"sentiment":"neutral","sentiment_score":0.1512873575091362},{"text":"So it stays the same at 1.65 from superannuation, and there is no lock in contract.","start":1148.6699,"end":1154.6699,"sentiment":"neutral","sentiment_score":0.21077443123795092},{"text":"So if at any point in time you are not happy with the service, there is no lock in contract.","start":1154.6699,"end":1159.01,"sentiment":"neutral","sentiment_score":-0.04951570481061936},{"text":"But, otherwise, just just let us service you in the meantime.","start":1159.395,"end":1162.2151,"sentiment":"neutral","sentiment_score":0.1433871788057414},{"text":"Does that all make sense?","start":1162.515,"end":1163.735,"sentiment":"neutral","sentiment_score":0.1350216969847679}],"sentiment":"neutral","sentiment_score":0.09915028758827717,"num_words":62,"start":1144.6699,"end":1163.735},{"sentences":[{"text":"Yep.","start":1164.515,"end":1164.995,"sentiment":"neutral","sentiment_score":0.10460394620895386},{"text":"Perfect.","start":1164.995,"end":1165.475,"sentiment":"positive","sentiment_score":0.33736032247543335},{"text":"And what's the next one for me?","start":1165.475,"end":1167.5751,"sentiment":"neutral","sentiment_score":0.05690744998199599},{"text":"Yes.","start":1170.595,"end":1171.0751,"sentiment":"neutral","sentiment_score":0.02036772482097149},{"text":"Sorry.","start":1171.0751,"end":1171.3151,"sentiment":"neutral","sentiment_score":-0.07040109485387802}],"sentiment":"neutral","sentiment_score":0.07184391350231388,"num_words":11,"start":1164.515,"end":1171.3151},{"sentences":[{"text":"If you can open this one for me, and this is probably the one that looks to be the most confusing sometimes, especially if you are looking at it, on the phone because it shows you all the the portfolio.","start":1171.3151,"end":1182.09,"sentiment":"neutral","sentiment_score":-0.08927321676164865},{"text":"So let me know if you can see that.","start":1183.83,"end":1185.77,"sentiment":"neutral","sentiment_score":0.00031116935941908095},{"text":"Yep.","start":1187.845,"end":1188.345,"sentiment":"neutral","sentiment_score":0.05911145731806755},{"text":"So this one here gives you a bit of a breakdown of your portfolio over the last twelve months.","start":1188.645,"end":1193.705,"sentiment":"neutral","sentiment_score":0.058048542785017115},{"text":"Yeah.","start":1194.405,"end":1194.725,"sentiment":"neutral","sentiment_score":0.007301654666662216}],"sentiment":"neutral","sentiment_score":-0.03426846744758742,"num_words":70,"start":1171.3151,"end":1194.725},{"sentences":[{"text":"Now, obviously, like we said as well, there has been a bit of a lot of changes in the market the last twelve months.","start":1194.725,"end":1200.69,"sentiment":"neutral","sentiment_score":-0.07383976046306391},{"text":"But kind of over the past, you know, twelve months, that portfolio has been kind of a modest decline, only about 2.81%, which is kind of in linear with the broader market movement.","start":1201.57,"end":1214.1499,"sentiment":"neutral","sentiment_score":-0.16558761556040158},{"text":"And it is not kind of unexpected over the twelve month period that we have had.","start":1214.625,"end":1219.4451,"sentiment":"neutral","sentiment_score":-0.10517968097701669},{"text":"Okay.","start":1220.305,"end":1220.805,"sentiment":"neutral","sentiment_score":0.021503519266843796},{"text":"As you can see kind of overall, the the the portfolio kind of remains well positioned.","start":1221.105,"end":1225.685,"sentiment":"neutral","sentiment_score":0.2530665397644043}],"sentiment":"neutral","sentiment_score":-0.053876136719352666,"num_words":90,"start":1194.725,"end":1225.685},{"sentences":[{"text":"The short term movements like these are quite normal as well as obviously part of the investing in the short term.","start":1226.72,"end":1233.86,"sentiment":"neutral","sentiment_score":0.2342385628393718},{"text":"And you can also see all the individual investments.","start":1234.0801,"end":1236.74,"sentiment":"neutral","sentiment_score":0.22691691584057277},{"text":"So the international investments have performed quite well, particularly your Japan, Europe, and The US markets have done good.","start":1236.88,"end":1245.825,"sentiment":"positive","sentiment_score":0.438136205861443},{"text":"Gold have also kind of delivered a strong return, which has helped kind of balance out some of the investments that's been kind of underperforming a little bit.","start":1246.2849,"end":1256.225,"sentiment":"neutral","sentiment_score":0.2595838012972048},{"text":"The main kind of impact from the investments that have been down has been the Australian equity who has had kind of a bit of a softer year, and we have actually recently made a change through the one that was underperforming a little bit for you.","start":1256.9601,"end":1272.315,"sentiment":"neutral","sentiment_score":-0.2881487912320076}],"sentiment":"neutral","sentiment_score":0.07267099372561901,"num_words":124,"start":1226.72,"end":1272.315},{"sentences":[{"text":"So did you receive an email from us, I think it was on the March 12, in regards to a investment change?","start":1272.5549,"end":1281.375,"sentiment":"neutral","sentiment_score":0.0157564448362047},{"text":"Yes.","start":1282.6349,"end":1283.1349,"sentiment":"neutral","sentiment_score":0.03472195938229561},{"text":"Did did you kind of read over that a little bit?","start":1283.195,"end":1286.335,"sentiment":"neutral","sentiment_score":0.012315913442183624},{"text":"No.","start":1289.0,"end":1289.24,"sentiment":"neutral","sentiment_score":-0.07251980155706406},{"text":"That's okay.","start":1289.24,"end":1289.72,"sentiment":"neutral","sentiment_score":-0.01859898678958416}],"sentiment":"neutral","sentiment_score":0.011003270770448286,"num_words":37,"start":1272.5549,"end":1289.72},{"sentences":[{"text":"And it wasn't anything you had to sign or anything.","start":1289.72,"end":1291.48,"sentiment":"neutral","sentiment_score":-0.032678473740816116},{"text":"It was just for your reference that, you know, we'd yeah.","start":1291.48,"end":1296.86,"sentiment":"neutral","sentiment_score":-0.017167615026912907},{"text":"Exactly.","start":1296.92,"end":1297.42,"sentiment":"neutral","sentiment_score":0.07055385410785675},{"text":"And it was just, you know, it was just giving you a bit of an update that we obviously do ongoing portfolio management and the investment oversight and kind of after going through everything because the investments and markets are always ever involving.","start":1297.8,"end":1310.1849,"sentiment":"neutral","sentiment_score":0.024684004485607147},{"text":"So it is important to keep reviewing it.","start":1310.245,"end":1312.67,"sentiment":"neutral","sentiment_score":0.035574731417000294}],"sentiment":"neutral","sentiment_score":0.012341580761928265,"num_words":73,"start":1289.72,"end":1312.67},{"sentences":[{"text":"And if there are areas where we foresee that one investment is underperforming a little bit and if we foresee it not, you know, coming back quickly or going to be the best option moving forward, we obviously wanna make sure that we switch these things out for you so we have you in the best options possible.","start":1312.67,"end":1328.875,"sentiment":"neutral","sentiment_score":-0.060303223929528534},{"text":"So after the investment committee kind of had a deep dive into the Benelong Australian Equity, which was the one that kind of contributed through the most fluctuation, They decided as well that there was a little bit of issues with the investments.","start":1329.8151,"end":1344.4099,"sentiment":"neutral","sentiment_score":0.05519360771705938},{"text":"They historically have done really, really well and was one of the best performing fund managers, which is why it was added to their portfolio.","start":1344.47,"end":1350.65,"sentiment":"neutral","sentiment_score":0.13579619213938712},{"text":"More recently, it kind of underperformed a little bit.","start":1351.4299,"end":1354.185,"sentiment":"neutral","sentiment_score":-0.27729064060582054},{"text":"So we have stopped that one for you for another Australian investment because we still wanna make sure that you have some exposure through, you know, the Australian equity as well.","start":1354.265,"end":1363.625,"sentiment":"neutral","sentiment_score":0.01668147574509344}],"sentiment":"neutral","sentiment_score":0.0017599574099463153,"num_words":166,"start":1312.67,"end":1363.625},{"sentences":[{"text":"We don't want you to just, you know, concentrate any specific area.","start":1363.625,"end":1366.905,"sentiment":"neutral","sentiment_score":-0.0763517605761687},{"text":"We wanna have it diversified.","start":1366.905,"end":1368.3651,"sentiment":"neutral","sentiment_score":0.04107638671994209},{"text":"And that one is your BetaShares Australia 200.","start":1369.99,"end":1373.29,"sentiment":"neutral","sentiment_score":0.0800021830946207},{"text":"And that one just basically tracks the 200 largest companies listed in Australia.","start":1373.99,"end":1378.89,"sentiment":"neutral","sentiment_score":0.08068593362203011},{"text":"So you'll have all the big companies like Woolworths and Commonwealth and BHP, all the kind of big companies there.","start":1379.35,"end":1386.015,"sentiment":"neutral","sentiment_score":0.12993957623839378}],"sentiment":"neutral","sentiment_score":0.06167046436718825,"num_words":58,"start":1363.625,"end":1386.015},{"sentences":[{"text":"And that one has done a little bit better than Benelon, and it's also a little bit cheaper as well.","start":1386.015,"end":1390.6749,"sentiment":"positive","sentiment_score":0.349128420650959},{"text":"So that is basically that change.","start":1390.895,"end":1393.375,"sentiment":"neutral","sentiment_score":0.24464412778615952},{"text":"So then moving forward as well, we do foresee that making that change is going to improve the Australian equity component and kind of rebalance the portfolio and position you in the best position for your retirement as well.","start":1393.375,"end":1405.6901,"sentiment":"positive","sentiment_score":0.5069362192581861},{"text":"Do you have any questions with that?","start":1407.11,"end":1408.55,"sentiment":"neutral","sentiment_score":0.08330349517720086},{"text":"I know that's probably a lot.","start":1408.55,"end":1410.0901,"sentiment":"neutral","sentiment_score":0.05313043979307016}],"sentiment":"positive","sentiment_score":0.3733699081513362,"num_words":78,"start":1386.015,"end":1410.0901},{"sentences":[{"text":"No?","start":1411.195,"end":1411.5149,"sentiment":"neutral","sentiment_score":-0.026755476370453835},{"text":"No?","start":1411.5149,"end":1412.0149,"sentiment":"neutral","sentiment_score":0.014462050050497057},{"text":"Great.","start":1412.075,"end":1412.575,"sentiment":"neutral","sentiment_score":0.3231346607208252},{"text":"Now you should have a ClearView COC.","start":1413.595,"end":1417.215,"sentiment":"neutral","sentiment_score":0.1651815069573266},{"text":"Can you see that as well?","start":1418.075,"end":1419.115,"sentiment":"neutral","sentiment_score":0.0975432035823663}],"sentiment":"neutral","sentiment_score":0.12827318778727204,"num_words":16,"start":1411.195,"end":1419.115},{"sentences":[{"text":"Yep.","start":1419.115,"end":1419.615,"sentiment":"neutral","sentiment_score":0.13602276146411896},{"text":"And that is just it just breaks down your insurances in a bit more detail.","start":1420.1549,"end":1424.095,"sentiment":"neutral","sentiment_score":0.14961856057246525},{"text":"Just basically lets you know that that's all paid and up to date.","start":1424.235,"end":1427.67,"sentiment":"neutral","sentiment_score":0.16505638223427993},{"text":"Perfect.","start":1429.17,"end":1429.67,"sentiment":"neutral","sentiment_score":0.3256593346595764},{"text":"The last one you should see is your 2025 Vanguard index chart.","start":1429.81,"end":1434.8501,"sentiment":"neutral","sentiment_score":0.15563075244426727}],"sentiment":"neutral","sentiment_score":0.15998244054970287,"num_words":42,"start":1419.115,"end":1434.8501},{"sentences":[{"text":"Can you see that one?","start":1434.8501,"end":1435.99,"sentiment":"neutral","sentiment_score":0.10457116663455963},{"text":"Yep.","start":1436.13,"end":1436.53,"sentiment":"neutral","sentiment_score":0.11381827294826508},{"text":"Perfect.","start":1436.53,"end":1437.03,"sentiment":"neutral","sentiment_score":0.2805107831954956},{"text":"And this one here, you may have seen before, but it's one of those it is just good for a visual representation because it kind of shows you, you know, the market historically as well, and it kind of goes all the way back to 1995 and takes you through to 2025.","start":1437.81,"end":1454.5651,"sentiment":"neutral","sentiment_score":0.17584635575230306},{"text":"And it kind of shows you all the ups and downs of the different asset classes and how they kind of move.","start":1454.86,"end":1461.26,"sentiment":"neutral","sentiment_score":0.11283578994599255}],"sentiment":"neutral","sentiment_score":0.15485904650923646,"num_words":81,"start":1434.8501,"end":1461.26},{"sentences":[{"text":"And as you can see here as well from the trend that, you know, over the long term, the market always goes up.","start":1461.26,"end":1467.975,"sentiment":"neutral","sentiment_score":0.07544175584031187},{"text":"But short term, there will be some of those ups and downs and market fluctuations.","start":1468.2949,"end":1472.635,"sentiment":"neutral","sentiment_score":0.02266282637914022},{"text":"And you can kind of see as well that sometimes the biggest declines are quite closely followed by the market coming back up again.","start":1473.575,"end":1479.99,"sentiment":"neutral","sentiment_score":0.039615490163366},{"text":"So that's why, you know, short term, you're not too concerned as long as you have good solid investments that are diversified.","start":1480.3099,"end":1486.8099,"sentiment":"neutral","sentiment_score":0.25923959809270775},{"text":"Perfect.","start":1490.79,"end":1491.29,"sentiment":"neutral","sentiment_score":0.16724596917629242}],"sentiment":"neutral","sentiment_score":0.10466343142530497,"num_words":85,"start":1461.26,"end":1491.29},{"sentences":[{"text":"Now, basically, as well, that was all those documents.","start":1491.4299,"end":1493.99,"sentiment":"neutral","sentiment_score":0.05380361361636056},{"text":"So if you are happy to do so, if you are wanting to click on the link process sign now, it should then ask you to sign through document.","start":1493.99,"end":1506.055,"sentiment":"neutral","sentiment_score":0.10989402671312463},{"text":"And one is that OSA, that ongoing service agreement.","start":1507.4099,"end":1512.47,"sentiment":"neutral","sentiment_score":0.057964750876029335},{"text":"Can you see that?","start":1512.85,"end":1513.99,"sentiment":"neutral","sentiment_score":0.06773164961487055},{"text":"And then the second one should be it's just a compliance.","start":1515.8099,"end":1519.0299,"sentiment":"neutral","sentiment_score":0.13672963191162457}],"sentiment":"neutral","sentiment_score":0.09625475168708832,"num_words":62,"start":1491.4299,"end":1519.0299},{"sentences":[{"text":"It's a tax file number form just to say we are keeping your tax file number secure on file.","start":1519.09,"end":1524.285,"sentiment":"neutral","sentiment_score":0.17885545288261614},{"text":"And that should be the only ones they ask you to sign because the rest are just for your reference.","start":1527.225,"end":1532.525,"sentiment":"neutral","sentiment_score":0.1454584464430809},{"text":"Perfect.","start":1535.5599,"end":1536.0599,"sentiment":"positive","sentiment_score":0.7800872325897217},{"text":"And then once you've kind of added the signature, it should automatically send it back to me.","start":1536.52,"end":1541.88,"sentiment":"positive","sentiment_score":0.3623993168858921},{"text":"I think it normally says, like, finish or something on your end or or done validate.","start":1541.88,"end":1547.26,"sentiment":"neutral","sentiment_score":0.16618543257936835}],"sentiment":"neutral","sentiment_score":0.21790774074727542,"num_words":73,"start":1519.09,"end":1547.26},{"sentences":[{"text":"Yep.","start":1547.4,"end":1547.8,"sentiment":"neutral","sentiment_score":0.07869910448789597},{"text":"If you click on that.","start":1547.8,"end":1549.1,"sentiment":"neutral","sentiment_score":0.05512179136276245},{"text":"Yep.","start":1550.6549,"end":1550.895,"sentiment":"neutral","sentiment_score":0.07999859750270844},{"text":"Yep.","start":1550.895,"end":1551.395,"sentiment":"neutral","sentiment_score":0.0755067765712738},{"text":"Sometimes it does take a couple of minutes to come through.","start":1552.1749,"end":1556.095,"sentiment":"neutral","sentiment_score":0.0352740946479819}],"sentiment":"neutral","sentiment_score":0.04725413034228902,"num_words":19,"start":1547.4,"end":1556.095},{"sentences":[{"text":"So if that looks all updated on your end, did it say that it's kind of loading and sending through?","start":1556.095,"end":1562.515,"sentiment":"neutral","sentiment_score":0.04110548123717308},{"text":"Yeah.","start":1565.4401,"end":1565.9401,"sentiment":"neutral","sentiment_score":0.009810042567551136},{"text":"No.","start":1566.0,"end":1566.24,"sentiment":"neutral","sentiment_score":-0.03914147615432739},{"text":"That's okay.","start":1566.24,"end":1567.14,"sentiment":"neutral","sentiment_score":-0.03665483556687832},{"text":"Sometimes with technology, so I'm sure it will come through shortly.","start":1568.08,"end":1573.46,"sentiment":"neutral","sentiment_score":0.04298640855334022}],"sentiment":"neutral","sentiment_score":0.0340662575459906,"num_words":35,"start":1556.095,"end":1573.46},{"sentences":[{"text":"Then I will get the team to upload that and get it all sorted for you.","start":1574.0,"end":1578.58,"sentiment":"neutral","sentiment_score":0.12190766911953688},{"text":"Otherwise, Gina, do you have any questions for me at this point?","start":1580.135,"end":1583.835,"sentiment":"neutral","sentiment_score":0.10174666624516249},{"text":"No?","start":1585.1749,"end":1585.6749,"sentiment":"neutral","sentiment_score":-0.1003190577030182},{"text":"Yes.","start":1589.895,"end":1590.2949,"sentiment":"neutral","sentiment_score":-0.036280594766139984},{"text":"And then also with, you know, there's been we've had a a bit of company structure changes or a bit of growth with the team, and then we had a storm here as well.","start":1590.2949,"end":1599.74,"sentiment":"neutral","sentiment_score":-0.0857118590570548}],"sentiment":"neutral","sentiment_score":0.0018856225069612265,"num_words":64,"start":1574.0,"end":1599.74},{"sentences":[{"text":"So we've been running a little bit behind on things as well.","start":1599.74,"end":1603.5801,"sentiment":"neutral","sentiment_score":-0.21647376691301665},{"text":"So I do obviously appreciate your patience and understand that, you know, work does does get in the way, but I'm glad that we could, you know, reconnect and have a bit of a a bit of a catch up today.","start":1603.5801,"end":1613.235,"sentiment":"neutral","sentiment_score":0.024261254022215923},{"text":"And I can just see as well that those forms have just come through to me, so that is great.","start":1613.455,"end":1618.4349,"sentiment":"positive","sentiment_score":0.5674480497837067},{"text":"So I will let you go, and enjoy the rest of your day off.","start":1619.13,"end":1622.33,"sentiment":"positive","sentiment_score":0.8039059937000275},{"text":"But if there is anything that you need in between the interviews or anything like that, always send us an email or give us a call, and we can always look through in for a bit of a catch up.","start":1622.33,"end":1631.565,"sentiment":"neutral","sentiment_score":0.15259347185492517}],"sentiment":"neutral","sentiment_score":0.2134205511309148,"num_words":127,"start":1599.74,"end":1631.565},{"sentences":[{"text":"No problem at all.","start":1634.125,"end":1634.9249,"sentiment":"positive","sentiment_score":0.6949211955070496},{"text":"I hope you have a lovely rest of your day.","start":1634.9249,"end":1636.7849,"sentiment":"positive","sentiment_score":0.7822438240051269},{"text":"Mhmm.","start":1638.0449,"end":1638.5449,"sentiment":"neutral","sentiment_score":0.09858787059783936},{"text":"Thanks, Tina.","start":1638.9249,"end":1639.6649,"sentiment":"positive","sentiment_score":0.5054714679718018},{"text":"Bye.","start":1639.8849,"end":1640.3849,"sentiment":"neutral","sentiment_score":0.19026252627372744}],"sentiment":"positive","sentiment_score":0.6612175752719244,"num_words":18,"start":1634.125,"end":1640.3849}]}}]},{"alternatives":[{"transcript":"Hello? Tina speaking. I'm good. How are you? Yep. Definitely. Yep. Yep. Tina Marie Brennan. 1977. 20 1 Fairburn Road, Cranbourne, Victoria 377. It's a day off. No. It's not. No. No. My life is pretty basic. Exactly. I'm not complaining at all. I mean, the device isn't going at the moment. So yeah. Okay. With one financial dependent. Yeah. She's kind kind of isn't, but yeah. A little bit. Yeah. But I probably can't close that for now. Yes. Yep. I don't know it, but I'll find it. Yep. It's ridiculous. Lucky to remember mine. Yeah. No. That's it. Okay. So her phone number is 04 16 472 451. Yes. Staff manager. Oh, yeah. Absolutely. Yes. Coming up to ten years this year. Oh, at least at this one place. Yeah. Yeah. I think it might be a little bit more. I'll say for the green 95. No. No. It's still the standard. No. Not yet. I've been very lazy on that. Yeah. I actually sold that one. I now have one that is worth 25. Yes. I only just bought it. No. It was 30 all up with a few added add ons. And I only literally only got it less than a month ago. And I am paying that off. No. No. No. No. No. No. Just the Kylo. That's still the same. No. I I've got my first pair of reading glasses. Yes. That's about it. So my first sign of old age. That's it. Yeah. No. No. I did. And I've had it for years and never used the stupid things, so I got rid of it this year. No. Again, lady. No. No. No. Yep. That's that's correct. One is my son, and one is my daughter. Probably not. You know, I'm hitting 50 next year. It just gets harder and harder the older you get. Yeah. Yeah. On a twenty five year loan. Please. Yeah. Look. I'd love to eventually. So, like, I'm hitting ten years at the end of this year, October this year. I would love to kind of set up and start establishing my own little my own restaurant or cafe. Obviously, to be told me about that is you need money coming in for at least the first six months to get yourself. So I'll obviously still work while starting with the restaurant, obviously, first and then maybe develop into a restaurant further down the track when when obviously it's more established because obviously I'm gonna have to keep working full time where I am to have income coming in in that respect. Obviously, with the way things are at the moment globally, sort of nothing is set in stone. Nothing is even gotten off the sketch board. So yeah. Exactly. Yes. Definitely. Definitely. But, I mean, I'm only, like I said, 50 next year, so I've still got ways to go. Yeah. Yeah. Oh, god. I've worked longer than that, I think. Yeah. I'd go nuts. Yeah. I I would absolutely go nuts. Not working. No. No. Nothing. I mean, I'm I'm an all rounder, so I can actually cook anything, which is which is a a bonus. But yeah. So, yeah, it would definitely whatever the the district or the area that I'm located in, whatever is really required, if that makes sense. Yeah. Yeah. Absolutely. Yep. Yep. Okay. No. Well, like I said, I'm still 50, so I would definitely go high to medium. Yeah. Yeah. No. Just a little. Oh, absolutely. No. I'll probably go the first one. Because like I said, there's still time to look. Yes. You're gonna lose. It it it is inevitable. Life these days, you can't set yourself up to win. It's never gonna it's never gonna be a 100%. So yeah. Exactly. Yes. Yeah. Yeah. No. I'll take a special one. No. No. Probably not. Not this Okay. Okay. Okay. Yep. Absolutely. A day? Yes. I need. Just Yep. Yep. Yep. The first one is o o g services guide. Yep. Yes. Yep. Awesome. So the next one, it says super and insurance summary. Yeah. Yeah. Yep. Yep. Yes. Nope. Yep. And the next one is Netwealth OSA. Yes. Yep. Perfect. Yep. Netwealth IRR. Okay. Okay. I can. Yep. Yeah. Yep. No. Yep. Okay. Yes. Yep. Yep. I'll probably probably vaguely. No. No. No. As soon as you read that, it's kind of like, oh, that's okay then. Thanks. Yep. Yes. Yes. Yes. Okay. Okay. Awesome. No. No. That's fine. 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Tina speaking. I'm good. How are you? Yep.\n\nDefinitely. Yep. Yep. Tina Marie Brennan. 1977.\n\n20 1 Fairburn Road, Cranbourne, Victoria 377. It's a day off. No. It's not. No.\n\nNo. My life is pretty basic. Exactly. I'm not complaining at all. I mean, the device isn't going at the moment.\n\nSo yeah. Okay. With one financial dependent. Yeah. She's kind kind of isn't, but yeah.\n\nA little bit. Yeah. But I probably can't close that for now. Yes. Yep.\n\nI don't know it, but I'll find it. Yep. It's ridiculous. Lucky to remember mine. Yeah.\n\nNo. That's it. Okay. So her phone number is 04 16 472 451. Yes.\n\nStaff manager. Oh, yeah. Absolutely. Yes. Coming up to ten years this year.\n\nOh, at least at this one place. Yeah. Yeah. I think it might be a little bit more. I'll say for the green 95.\n\nNo. No. It's still the standard. No. Not yet.\n\nI've been very lazy on that. Yeah. I actually sold that one. I now have one that is worth 25. Yes.\n\nI only just bought it. No. It was 30 all up with a few added add ons. And I only literally only got it less than a month ago. And I am paying that off.\n\nNo. No. No. No. No.\n\nNo. Just the Kylo. That's still the same. No. I I've got my first pair of reading glasses.\n\nYes. That's about it. So my first sign of old age. That's it. Yeah.\n\nNo. No. I did. And I've had it for years and never used the stupid things, so I got rid of it this year. No.\n\nAgain, lady. No. No. No. Yep.\n\nThat's that's correct. One is my son, and one is my daughter. Probably not. You know, I'm hitting 50 next year. It just gets harder and harder the older you get.\n\nYeah. Yeah. On a twenty five year loan. Please. Yeah.\n\nLook. I'd love to eventually. So, like, I'm hitting ten years at the end of this year, October this year. I would love to kind of set up and start establishing my own little my own restaurant or cafe. Obviously, to be told me about that is you need money coming in for at least the first six months to get yourself.\n\nSo I'll obviously still work while starting with the restaurant, obviously, first and then maybe develop into a restaurant further down the track when when obviously it's more established because obviously I'm gonna have to keep working full time where I am to have income coming in in that respect. Obviously, with the way things are at the moment globally, sort of nothing is set in stone. Nothing is even gotten off the sketch board. So yeah. Exactly.\n\nYes. Definitely. Definitely. But, I mean, I'm only, like I said, 50 next year, so I've still got ways to go. Yeah.\n\nYeah. Oh, god. I've worked longer than that, I think. Yeah. I'd go nuts.\n\nYeah. I I would absolutely go nuts. Not working. No. No.\n\nNothing. I mean, I'm I'm an all rounder, so I can actually cook anything, which is which is a a bonus. But yeah. So, yeah, it would definitely whatever the the district or the area that I'm located in, whatever is really required, if that makes sense. Yeah.\n\nYeah. Absolutely. Yep. Yep. Okay.\n\nNo. Well, like I said, I'm still 50, so I would definitely go high to medium. Yeah. Yeah. No.\n\nJust a little. Oh, absolutely. No. I'll probably go the first one. Because like I said, there's still time to look.\n\nYes. You're gonna lose. It it it is inevitable. Life these days, you can't set yourself up to win. It's never gonna it's never gonna be a 100%.\n\nSo yeah. Exactly. Yes. Yeah. Yeah.\n\nNo. I'll take a special one. No. No. Probably not.\n\nNot this Okay. Okay. Okay. Yep. Absolutely.\n\nA day? Yes. I need. Just Yep. Yep.\n\nYep. The first one is o o g services guide. Yep. Yes. Yep.\n\nAwesome. So the next one, it says super and insurance summary. Yeah. Yeah. Yep.\n\nYep. Yes. Nope. Yep. And the next one is Netwealth OSA.\n\nYes. Yep. Perfect. Yep. Netwealth IRR.\n\nOkay. Okay. I can. Yep. Yeah.\n\nYep. No. Yep. Okay. Yes.\n\nYep. Yep. I'll probably probably vaguely. No. No.\n\nNo. As soon as you read that, it's kind of like, oh, that's okay then. Thanks. Yep. Yes.\n\nYes. Yes. Okay. Okay. Awesome.\n\nNo. No. That's fine. Yeah. Okay.\n\nYep. Yep. Okay. Yep. Yeah.\n\nYep. All good. Yeah. Okay. Yep.\n\nBeautiful. Validate. Ready? Yeah. It's just loading.\n\nYep. It just says still loading. I know. Fantastic. No.\n\nNo. It's been a couple of years actually since I've had the annual meeting because I'm always at work. Yeah. Yes. Beautiful.\n\nNo worries. Thank you so much for that. I shall. I shall. You too.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.0,"sentiment":"neutral","sentiment_score":0.032323308289051056},{"text":"Tina speaking.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.052628979086875916},{"text":"I'm good.","start":8.24,"end":8.96,"sentiment":"positive","sentiment_score":0.522047832608223},{"text":"How are 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Fairburn Road, Cranbourne, Victoria 377.","start":43.445004,"end":47.385002,"sentiment":"neutral","sentiment_score":0.022778331568198546},{"text":"It's a day off.","start":53.365,"end":54.245003,"sentiment":"neutral","sentiment_score":-0.07811987865716219},{"text":"No.","start":54.245003,"end":54.405003,"sentiment":"neutral","sentiment_score":-0.1484176218509674},{"text":"It's not.","start":54.405003,"end":55.145,"sentiment":"neutral","sentiment_score":-0.13185445964336395},{"text":"No.","start":75.975,"end":76.295,"sentiment":"neutral","sentiment_score":-0.05079500377178192}],"sentiment":"neutral","sentiment_score":-0.04106351590404908,"num_words":15,"start":43.445004,"end":76.295},{"sentences":[{"text":"No.","start":76.295,"end":76.775,"sentiment":"neutral","sentiment_score":-0.05300964415073395},{"text":"My life is pretty 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lady.","start":379.41,"end":380.31,"sentiment":"neutral","sentiment_score":-0.07150305435061455},{"text":"No.","start":386.305,"end":386.805,"sentiment":"neutral","sentiment_score":-0.1146794855594635},{"text":"No.","start":387.82498,"end":388.32498,"sentiment":"neutral","sentiment_score":-0.13570955395698547},{"text":"No.","start":395.585,"end":396.085,"sentiment":"neutral","sentiment_score":-0.013411561027169228},{"text":"Yep.","start":407.2,"end":407.7,"sentiment":"neutral","sentiment_score":0.09720789641141891}],"sentiment":"neutral","sentiment_score":-0.05159980213890473,"num_words":6,"start":379.41,"end":407.7},{"sentences":[{"text":"That's that's correct.","start":407.92,"end":409.14,"sentiment":"neutral","sentiment_score":0.22132383783658346},{"text":"One is my son, and one is my daughter.","start":412.365,"end":414.225,"sentiment":"neutral","sentiment_score":0.17510298639535904},{"text":"Probably 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yeah.","start":787.70996,"end":788.44995,"sentiment":"neutral","sentiment_score":-0.021951301023364067},{"text":"Exactly.","start":797.70996,"end":798.20996,"sentiment":"neutral","sentiment_score":0.040038976818323135},{"text":"Yes.","start":798.99,"end":799.49,"sentiment":"neutral","sentiment_score":0.1405438333749771},{"text":"Yeah.","start":806.53503,"end":807.015,"sentiment":"neutral","sentiment_score":0.05508842319250107},{"text":"Yeah.","start":807.015,"end":807.515,"sentiment":"neutral","sentiment_score":0.07495824992656708}],"sentiment":"neutral","sentiment_score":0.04445448021094004,"num_words":6,"start":787.70996,"end":807.515},{"sentences":[{"text":"No.","start":836.045,"end":836.285,"sentiment":"neutral","sentiment_score":-0.17294999957084656},{"text":"I'll take a special 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Tina speaking.\n\nChannel 0: Good afternoon, Tina. This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked email this afternoon to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep. Definitely.\n\nChannel 0: Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yep. Tina Marie Brennan. 1977. 20\n\nChannel 0: Yep.\n\nChannel 1: 1 Fairburn Road, Cranbourne, Victoria 377.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy.\n\nChannel 1: It's a day off. No. It's not.\n\nChannel 0: Oh, that's lovely. That's nice. Well, I will try not to take up too much of your time off. But before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of that review today or any areas you would like me to focus on or just a bit of a catch up.\n\nChannel 1: No. No. My life is pretty\n\nChannel 0: No.\n\nChannel 1: basic.\n\nChannel 0: That's not bad, though. Sometimes that's good that there's no major changes.\n\nChannel 1: Exactly. I'm not complaining\n\nChannel 0: Yeah.\n\nChannel 1: at all. I mean, the device\n\nChannel 0: Yeah.\n\nChannel 1: isn't going at\n\nChannel 0: Yeah. Oh, good.\n\nChannel 1: the\n\nChannel 0: Oh, perfect.\n\nChannel 1: moment.\n\nChannel 0: Well, what I have done is I have to send you an email\n\nChannel 1: So\n\nChannel 0: with some documents to go through.\n\nChannel 1: yeah.\n\nChannel 0: But before I kind of jump on that, I do quickly just wanna run through a bit of an updated fact find just to see if there is anything that has changed since last we went through it, just if there is anything that we might need to change or update for you.\n\nChannel 1: Okay.\n\nChannel 0: So just bear with me as I kind of go through these couple of questions here. Now when it comes to your personal information, I have you down here as single with one financial dependent. Is that still correct?\n\nChannel 1: With one financial dependent.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. She's kind kind of isn't, but yeah.\n\nChannel 0: Yeah. Is she still, relying on you financially?\n\nChannel 1: A little bit.\n\nChannel 0: A little\n\nChannel 1: Yeah.\n\nChannel 0: bit.\n\nChannel 1: But\n\nChannel 0: Okay.\n\nChannel 1: I probably\n\nChannel 0: Yep.\n\nChannel 1: can't close that for now.\n\nChannel 0: Yeah. No. Perfect. Now when it comes to next up, Ken, I have your sister Julie nominated. Is that still the case as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. I don't have a phone number for them, though. Would you be able to provide that?\n\nChannel 1: Yep. I don't know it, but I'll find it.\n\nChannel 0: No. That's okay. Most people are the same.\n\nChannel 1: Yep. It's ridiculous. Lucky to remember mine.\n\nChannel 0: Often, I do sometimes get some troubleshoot with partners. If their partners are close by and they go, oh, I should know this by heart, but I\n\nChannel 1: Yeah.\n\nChannel 0: don't. You just don't have to think about it anymore.\n\nChannel 1: No. That's it. Okay. So her phone number is 04\n\nChannel 0: Yep.\n\nChannel 1: 16\n\nChannel 0: Yep.\n\nChannel 1: 472\n\nChannel 0: Four seven two. Yep.\n\nChannel 1: 451.\n\nChannel 0: 451. Great. Perfect. Thank you so much. Now when it comes to your occupation, I have you down here as a chef.\n\nIs that still the case? Yeah.\n\nChannel 1: Yes. Staff manager.\n\nChannel 0: Yeah. Chef manager. I will add to that. And you're still enjoying it?\n\nChannel 1: Oh, yeah. Absolutely.\n\nChannel 0: Yeah. Mhmm. Perfect. You're working full time?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. And when did you start that?\n\nChannel 1: Coming up to ten years this year.\n\nChannel 0: Oh, perfect. So you\n\nChannel 1: Oh,\n\nChannel 0: must\n\nChannel 1: at least\n\nChannel 0: you must\n\nChannel 1: at this\n\nChannel 0: enjoy\n\nChannel 1: one\n\nChannel 0: it.\n\nChannel 1: place. Yeah.\n\nChannel 0: Yeah. Perfect. I have income at about 93,000.\n\nChannel 1: Yeah. I think it might be a little bit more.\n\nChannel 0: Yeah. How what do you think?\n\nChannel 1: I'll say for the green 95.\n\nChannel 0: 95. Alright. Perfect. Now your employer, they just still pay you that standard 12% contributions going into superannuation. There's no, like, special enterprise bargain agreement or anything?\n\nChannel 1: No. No. It's still the standard.\n\nChannel 0: No. Yeah. Correct. Perfect. And you're not making, like, additional contributions or anything, just that from\n\nChannel 1: No.\n\nChannel 0: your employer?\n\nChannel 1: Not yet. I've been very\n\nChannel 0: No.\n\nChannel 1: lazy on that.\n\nChannel 0: That's okay. Assets and liabilities, I have here you have a motor vehicle ride at about 5,000.\n\nChannel 1: Yeah. I actually\n\nChannel 0: Yeah.\n\nChannel 1: sold that one. I now have one that is worth 25.\n\nChannel 0: Oh, perfect. Now do you have anything owing on the new car?\n\nChannel 1: Yes. I only just bought it.\n\nChannel 0: Yeah. And about the 25, or did you put a down payment?\n\nChannel 1: No. It was 30 all up with a few added add ons.\n\nChannel 0: Okay. Okay.\n\nChannel 1: And I only literally only got it less than a month ago.\n\nChannel 0: Oh, perfect. So\n\nChannel 1: And\n\nChannel 0: very\n\nChannel 1: I am\n\nChannel 0: nice\n\nChannel 1: paying that\n\nChannel 0: and\n\nChannel 1: off.\n\nChannel 0: blue. Yeah. Perfect. Now do you have any other assets in your name otherwise, Tina, any other\n\nChannel 1: No.\n\nChannel 0: costs or no.\n\nChannel 1: No.\n\nChannel 0: Any liabilities, like personal loans or credit card or ZipPay?\n\nChannel 1: No. No. No. No. Just\n\nChannel 0: Nope. Nope. Great.\n\nChannel 1: the Kylo.\n\nChannel 0: Yeah. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: That's still the same.\n\nChannel 0: Perfect. And have you had any changes to your health in the last twelve months? Any medication or illnesses or anything?\n\nChannel 1: No.\n\nChannel 0: No. That's\n\nChannel 1: I\n\nChannel 0: good.\n\nChannel 1: I've got my first pair of reading glasses.\n\nChannel 0: Oh, yeah. No. That's okay. Happens\n\nChannel 1: Yes.\n\nChannel 0: to everyone.\n\nChannel 1: That's about it.\n\nChannel 0: No. That's good. And do\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: my\n\nChannel 0: have\n\nChannel 1: first sign of old age.\n\nChannel 0: to be fair, it happens to everybody. Sorry. Sorry.\n\nChannel 1: That's\n\nChannel 0: It's\n\nChannel 1: it.\n\nChannel 0: more more like a majority nowadays. And, Tina, do you have private health insurance?\n\nChannel 1: Yeah. No. No. I did. And I've had it for years and never used the stupid things, so\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: No.\n\nChannel 1: got rid of it\n\nChannel 0: Yeah. No.\n\nChannel 1: this\n\nChannel 0: That is no problem.\n\nChannel 1: year.\n\nChannel 0: Estate planning wise, do you have a will in place?\n\nChannel 1: No. Again,\n\nChannel 0: No.\n\nChannel 1: lady.\n\nChannel 0: No. That's okay. You don't have, like, a power of attorney or anyone who makes any financial\n\nChannel 1: No.\n\nChannel 0: decisions on your behalf?\n\nChannel 1: No.\n\nChannel 0: No. That's good. And are you politically exposed at all or earn any income overseas?\n\nChannel 1: No.\n\nChannel 0: Right. Perfect. And for your superannuation, I have Bailey nominated at 50% and Marissa at 50%. Is that correct?\n\nChannel 1: Yep. That's\n\nChannel 0: Yes.\n\nChannel 1: that's correct.\n\nChannel 0: Perfect. And their relationship to you?\n\nChannel 1: One is my son, and one is my daughter.\n\nChannel 0: Great. Perfect. Now when it comes to your goals that you are working on or that you are wanting to achieve, I have here that last time we spoke, your your kind of medium to long term goal was to, hopefully, get in a position where you could buy a property. Is that still kind of, like, a long term goal of yours?\n\nChannel 1: Probably not. You know, I'm\n\nChannel 0: No?\n\nChannel 1: hitting 50 next year. It just gets harder and harder the older you get.\n\nChannel 0: Yeah. And then, obviously, sitting with a thirty year loan might not\n\nChannel 1: Yeah.\n\nChannel 0: be great sometimes either.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: On a\n\nChannel 0: either\n\nChannel 1: twenty five year loan.\n\nChannel 0: yep.\n\nChannel 1: Please.\n\nChannel 0: Alright. Just with a very high interest rate, but, you know\n\nChannel 1: Yeah.\n\nChannel 0: now do you have any other goals? Like, anything that you are working towards in the next twelve months or a couple of years or anything?\n\nChannel 1: Look. I'd love to eventually. So, like, I'm hitting\n\nChannel 0: Oh,\n\nChannel 1: ten years at the end of this year, October this year. I would love to kind of set up and start establishing my own little my own restaurant or cafe.\n\nChannel 0: yeah. Oh, nice.\n\nChannel 1: Obviously, to be told me about that is you need money coming in for at least the first six months\n\nChannel 0: Yep.\n\nChannel 1: to get yourself.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So I'll obviously still work while\n\nChannel 0: Like,\n\nChannel 1: starting\n\nChannel 0: trying\n\nChannel 1: with\n\nChannel 0: to get\n\nChannel 1: the restaurant,\n\nChannel 0: that.\n\nChannel 1: obviously, first and then maybe develop into a restaurant\n\nChannel 0: Yeah. Alright.\n\nChannel 1: further down the track when when obviously it's more established because obviously I'm gonna have to keep working full time\n\nChannel 0: Yep.\n\nChannel 1: where I am to have income coming in\n\nChannel 0: Like, on the\n\nChannel 1: in\n\nChannel 0: site.\n\nChannel 1: that respect.\n\nChannel 0: Yeah.\n\nChannel 1: Obviously, with the way things are at the moment globally,\n\nChannel 0: Yep.\n\nChannel 1: sort of nothing is set in stone. Nothing is even gotten off the sketch board. So\n\nChannel 0: Yes. And with the increase in prices and everything\n\nChannel 1: yeah.\n\nChannel 0: that's\n\nChannel 1: Exactly.\n\nChannel 0: happening as a result, it's a bit of, obviously, uncertainty in a lot of areas.\n\nChannel 1: Yes. Definitely.\n\nChannel 0: Thing\n\nChannel 1: Definitely.\n\nChannel 0: out. Yeah.\n\nChannel 1: But, I mean,\n\nChannel 0: And,\n\nChannel 1: I'm only, like I said, 50 next year, so I've\n\nChannel 0: Yeah.\n\nChannel 1: still got ways to go.\n\nChannel 0: Yeah. Still got plenty of time.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And are you still kind of thinking of accessing super, drawing an income at about age 67. Do you think you'd work through about then, or what what do you\n\nChannel 1: Oh,\n\nChannel 0: think\n\nChannel 1: god.\n\nChannel 0: you\n\nChannel 1: I've\n\nChannel 0: plan?\n\nChannel 1: worked longer than that, I think.\n\nChannel 0: Longer. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Not most people are the same\n\nChannel 1: I'd\n\nChannel 0: or at\n\nChannel 1: go\n\nChannel 0: least\n\nChannel 1: nuts.\n\nChannel 0: wanting to do something part time anyway.\n\nChannel 1: Yeah. I I\n\nChannel 0: Mhmm.\n\nChannel 1: would absolutely go nuts. Not working.\n\nChannel 0: Oh, and what kind of cuisine would you go into? Would it be anything in particular? Or\n\nChannel 1: No.\n\nChannel 0: no.\n\nChannel 1: No. Nothing.\n\nChannel 0: It's a bit\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: mean,\n\nChannel 0: everything.\n\nChannel 1: I'm I'm an all rounder, so I can\n\nChannel 0: Yep.\n\nChannel 1: actually cook anything,\n\nChannel 0: Oh, that's\n\nChannel 1: which\n\nChannel 0: good.\n\nChannel 1: is which is a a bonus.\n\nChannel 0: Yes.\n\nChannel 1: But yeah. So, yeah, it would definitely whatever the the district or the area that I'm located in, whatever is really required,\n\nChannel 0: Yep. You can kind\n\nChannel 1: if\n\nChannel 0: of tailor\n\nChannel 1: that makes\n\nChannel 0: based\n\nChannel 1: sense.\n\nChannel 0: on the different trends, which is very handy.\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: Oh, perfect. Now that's all updated for you, Tina. And the next thing I do kind of wanna run over, it is a bit of an updated risk profile questionnaire.\n\nChannel 1: Yep.\n\nChannel 0: It is just multiple choice to make it nice and easy. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you. And\n\nChannel 1: Yep.\n\nChannel 0: think of these questions as well in regards to your superannuation. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Now have you ever bought direct shares?\n\nChannel 1: No.\n\nChannel 0: I'm just not stuck. I'm not gonna no. Perfect. Now kind of thinking about inflation. So, obviously, meaning things are getting more expensive over time, you know, making your money worth less, and everything is costing a little bit more.\n\nNow how much of a risk are you willing to take in order to try and keep up with the increasing of prices thinking about your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and make sure you stay on top of their increasing prices.\n\nChannel 1: Well, like I said, I'm still 50, so I would definitely go high to medium.\n\nChannel 0: Yep. Perfect. You do\n\nChannel 1: Yeah.\n\nChannel 0: have plenty of time for those, you know, short term fluctuations in order to long term kinda grow that, So you\n\nChannel 1: Yeah.\n\nChannel 0: do definitely have that. And next is kind of in regards to volatility. So how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So not one particular investment that's gone bad, just the market as a whole. Obviously, we're seeing a bit of that at the moment with,\n\nChannel 1: No. Just a little.\n\nChannel 0: yes. Obviously, the last twelve months have been quite you know, there's been a lot going on. First, you had obviously Trump and the tariffs and everything in The US,\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: absolutely.\n\nChannel 0: now the war and everything. So it's been obviously quite turbulent in the last twelve months. So if it is something, like, that you think about, you know, would you if you had the option to do so, think that, well, now when the prices are down, is potentially a good time to invest a bit more, Or would you kind of just stay a bit neutral, like, just kind of wait and see what happens? Or would you want to shift to a more secure asset? So that means you are then selling when the prices have already dropped.\n\nChannel 1: No. I'll probably go the first one. Because\n\nChannel 0: Yeah.\n\nChannel 1: like\n\nChannel 0: Maybe\n\nChannel 1: I said,\n\nChannel 0: invest.\n\nChannel 1: there's still time to\n\nChannel 0: Yep.\n\nChannel 1: look. Yes. You're gonna lose.\n\nChannel 0: Yep.\n\nChannel 1: It it it is inevitable.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Life these days,\n\nChannel 0: Yes.\n\nChannel 1: you can't set yourself up to win. It's never\n\nChannel 0: No.\n\nChannel 1: gonna it's never gonna\n\nChannel 0: And\n\nChannel 1: be a 100%. So\n\nChannel 0: and\n\nChannel 1: yeah.\n\nChannel 0: and and long term, we always see the market go up. The short term that you will have some ups and downs. So some years won't be as good. Other years will be really good to kind of even\n\nChannel 1: Exactly.\n\nChannel 0: it out. And you do\n\nChannel 1: Yes.\n\nChannel 0: have that time, you know, behind you. So maybe invest a little bit, you know, depending on opportunities and stuff.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Great. Now next one here is if you did see your superannuation fluctuate and drop a bit in value or any assets really, would you think that, you know, you would feel optimistic about future investment opportunities, or would you be a bit more cautious not making further investments or concern or highly anxious?\n\nChannel 1: No. I'll take a special one.\n\nChannel 0: Yep. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: No.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property? Or just for, like, your own property potentially or just no loan?\n\nChannel 1: No. Probably not.\n\nChannel 0: No.\n\nChannel 1: Not this\n\nChannel 0: No. That's good. And and that tells me here that you have kind of come come out kind of borderline between your growth and your high growth portfolio. And at the moment, we have you invested in that high growth portfolio. And the difference kind of between the two like, they're both very much targeted and focusing on growing superannuation as much as possible.\n\nIn your high growth, we see about 90% in your growth in investment. So your Australian shares, international shares, and property and commodities, and that's what's going to grow your superannuation in the long term. You do have about\n\nChannel 1: Okay.\n\nChannel 0: 10% in defensive, like your cash, your gold, your fixed interest. Your growth, it's about a 10% difference. So you have about 80% to growth, 22 defensive. And\n\nChannel 1: Okay.\n\nChannel 0: when we are thinking about a time frame, so kind of going back to that as well, in a high growth portfolio, so how you are currently invested in, we do like to say that the minimum time frame until retirement through making sure that you do have a time in the market for those fluctuations to come back around, we wanna see about eight years to retirement. So you\n\nChannel 1: Okay.\n\nChannel 0: certainly have the time in a high growth portfolio as long as you are still comfortable seeing, you know, a bit of those fluctuations in the short term, as long as, obviously, long term, it keeps growing.\n\nChannel 1: Yep. Absolutely.\n\nChannel 0: Which yep. Great. Perfect. And now, Tina, do you have access to your emails at the moment or\n\nChannel 1: A\n\nChannel 0: not\n\nChannel 1: day?\n\nChannel 0: really right now? Yep. Okay. So did you receive an email from myself recently?\n\nChannel 1: Yes.\n\nChannel 0: Would have\n\nChannel 1: I\n\nChannel 0: been\n\nChannel 1: need.\n\nChannel 0: great.\n\nChannel 1: Just\n\nChannel 0: Perfect. If you can\n\nChannel 1: Yep.\n\nChannel 0: click click onto that one for me. Now before you because we have recently changed software, so it might look a little bit different than usual. But before you click on the link where it says sign now, you will see if you scroll down in that email, there should be a couple of attachments. Can you\n\nChannel 1: Yep.\n\nChannel 0: see that? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now to make it easy for you, which one do you see first? And we can go that way.\n\nChannel 1: The first one is o o g services guide.\n\nChannel 0: Yeah. Perfect. So I won't get you to open that one because you have the OQ services guide, and then the second might be the OQ financial financial services\n\nChannel 1: Yep.\n\nChannel 0: guide version four. Now these are just some updated versions for you. It's one of those kind of boring compliance documents, but it\n\nChannel 1: Yes.\n\nChannel 0: does give you everything that you need to know about us there. So we've had a bit of an extension to the team, which is great, and, also, had a bit of a revamp in our marketing. So that's just some updated there for you. So when you have a moment, have a read through them. It's all information you would kind of be across already.\n\nJust a\n\nChannel 1: Yep.\n\nChannel 0: bit of an updated version for you.\n\nChannel 1: Awesome.\n\nChannel 0: Perfect. Now what's the next one you can see?\n\nChannel 1: So the next one, it says super and insurance summary.\n\nChannel 0: Yep. Perfect. If you can click on that one for me.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Sorry. That one here shows you a bit of a summary of your super and your insurances. So you can see you have your super with Netwealth. You do have about $94,133 in there.\n\nChannel 1: Yeah.\n\nChannel 0: And then underneath that, you can see your insurances. So you have your insurances with ClearView. You have your life and your total permanent disability, and that's\n\nChannel 1: Yep.\n\nChannel 0: about 594,671. And then\n\nChannel 1: Yep.\n\nChannel 0: you do also have your income protection, and that will pay you a monthly benefit of $6,244 per month, a ninety day waiting period to a year benefit period. You do get a 15% tax rebate. So after that, total premium for all three is about 3,430.\n\nChannel 1: Yes.\n\nChannel 0: Do you have any questions in regards to any of that or, you know,\n\nChannel 1: Nope.\n\nChannel 0: quite happy with your insurances and everything?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And what is the next one you can see, Tina?\n\nChannel 1: And the next one is Netwealth OSA.\n\nChannel 0: Okay. Perfect. So this one will be one that's also in the documents for you to sign. So it's just there for viewing, and that is just your ongoing service agreement.\n\nChannel 1: Yes.\n\nChannel 0: And that's just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the fees. So it stays the same at 1.65 from superannuation, and there\n\nChannel 1: Yep.\n\nChannel 0: is no lock in contract. So if at any point in time you are not happy with the service, there is no lock in contract. But, otherwise, just just let us service you in the meantime. Does that\n\nChannel 1: Perfect.\n\nChannel 0: all make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And what's the next one for me?\n\nChannel 1: Netwealth IRR.\n\nChannel 0: Yes. Sorry. If you can open this one for me, and this is probably the one that looks to be the most confusing sometimes, especially if you are looking at it, on the phone because it shows you all the the portfolio.\n\nChannel 1: Okay.\n\nChannel 0: So let me know if you can see that.\n\nChannel 1: Okay. I can.\n\nChannel 0: Yep. So this one here gives you a bit of a breakdown of your portfolio over the last twelve months. Yeah. Now, obviously, like we said as well, there has been a bit of a lot of changes in the market the last\n\nChannel 1: Yep. Yeah.\n\nChannel 0: twelve months. But kind of over the past, you know, twelve months, that portfolio has been kind of a modest decline, only about 2.81%, which is kind of in linear with the broader market movement. And it\n\nChannel 1: Yep.\n\nChannel 0: is not kind of unexpected over the twelve month period that we have had.\n\nChannel 1: No.\n\nChannel 0: Okay. As you can see kind of overall, the the the portfolio kind of remains well positioned. The short term movements like these are quite normal as well as obviously part of the investing in the short term. And you can also see all the individual investments. So the international investments have performed quite well, particularly\n\nChannel 1: Yep.\n\nChannel 0: your Japan, Europe, and The US markets have done good. Gold have also kind of delivered a strong return, which has helped kind of balance out some of the investments that's been kind of underperforming a little bit. The main kind of impact from the investments that have been down has been the Australian equity who has had kind of a bit of a softer year, and we have actually recently made a change through the one that was underperforming a little bit for you. So did\n\nChannel 1: Okay.\n\nChannel 0: you receive an email from us, I think it was on the March 12, in regards to a investment change?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Did\n\nChannel 1: Yep.\n\nChannel 0: did you kind of read over that a little bit?\n\nChannel 1: I'll probably probably vaguely.\n\nChannel 0: No. That's okay. And it wasn't anything you had to sign or anything. It was just for\n\nChannel 1: No.\n\nChannel 0: your reference\n\nChannel 1: No. No.\n\nChannel 0: that,\n\nChannel 1: As\n\nChannel 0: you\n\nChannel 1: soon\n\nChannel 0: know, we'd\n\nChannel 1: as you read that, it's kind of like, oh, that's okay then.\n\nChannel 0: yeah. Exactly. And it was just, you know, it was just giving you a bit of an update that we obviously do ongoing portfolio management and the investment oversight and kind of after going through everything because the investments and markets are always ever involving. So it is important to keep reviewing it. And if there are areas where we foresee that one investment is underperforming a little bit and if we foresee it not, you know, coming back quickly or going to be the best option moving forward, we obviously wanna make sure that we switch these things out for you so we have you in the best options possible.\n\nSo\n\nChannel 1: Thanks.\n\nChannel 0: after the investment committee kind of had a deep dive into the Benelong Australian Equity, which was the one that kind of contributed through the most fluctuation,\n\nChannel 1: Yep.\n\nChannel 0: They decided as well that there was a little bit of issues with the investments. They historically have done really, really well and was one of the best performing fund managers, which is why it was added to their portfolio. More recently, it kind of underperformed a little bit. So we have stopped that one for you for another Australian investment because we still wanna make sure that you have some exposure through, you know, the Australian equity\n\nChannel 1: Yes.\n\nChannel 0: as well. We\n\nChannel 1: Yes.\n\nChannel 0: don't want you to just, you know, concentrate any specific area. We wanna have it diversified.\n\nChannel 1: Yes.\n\nChannel 0: And that one is your BetaShares Australia 200. And that one just basically tracks the 200 largest companies listed in Australia. So you'll\n\nChannel 1: Okay.\n\nChannel 0: have all the big companies like Woolworths and Commonwealth and BHP, all the kind of big companies there. And that one has done a little bit better than Benelon, and it's also a little bit cheaper as well. So\n\nChannel 1: Okay.\n\nChannel 0: that is basically that change. So then moving forward as well, we do foresee that making that change is going to improve the Australian equity component and kind of rebalance the portfolio and position you in the best position for your retirement as well. Do you have any questions with that? I know that's probably a lot.\n\nChannel 1: Awesome. No. No. That's fine.\n\nChannel 0: No? No? Great. Now you should have a ClearView COC. Can you\n\nChannel 1: Yeah.\n\nChannel 0: see that as well? Yep. And that is just it just breaks down your insurances in a bit more detail. Just basically lets you know that that's all paid and up to date.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. The last one you should see is your 2025 Vanguard index chart. Can you see that\n\nChannel 1: Yep.\n\nChannel 0: one? Yep. Perfect. And this one here, you may have seen before, but it's one of those it is just good for a visual representation\n\nChannel 1: Yep.\n\nChannel 0: because\n\nChannel 1: Okay.\n\nChannel 0: it kind of shows you, you know, the market historically as well, and it kind of goes all the way back to 1995 and takes you through to 2025. And it kind of shows you all the ups and downs of the different asset classes and how\n\nChannel 1: Yep.\n\nChannel 0: they kind of move. And as you can see here as well from the trend that, you know, over the long term, the market\n\nChannel 1: Yeah.\n\nChannel 0: always goes up. But short term, there will be some of those ups and downs and market fluctuations. And you can kind of see as well that sometimes the biggest declines are quite closely followed by the market coming back up again. So that's\n\nChannel 1: Yep.\n\nChannel 0: why, you know, short term, you're not too concerned as long as you have good solid investments that are diversified.\n\nChannel 1: All good.\n\nChannel 0: Perfect. Now, basically, as well, that was all those documents. So if you are happy to do so, if you are wanting to click on the link process sign now, it\n\nChannel 1: Yeah.\n\nChannel 0: should then ask you to sign through document.\n\nChannel 1: Okay.\n\nChannel 0: And one is that OSA, that ongoing service agreement. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: And then the second one should be it's just a compliance. It's a tax file number form just to say we are keeping your tax file number secure on file. And that should be the only ones they ask you to sign because the rest are just for your reference.\n\nChannel 1: Beautiful.\n\nChannel 0: Perfect. And then once you've kind of added the signature, it should automatically send it back to me. I think it normally says, like, finish or something on your end\n\nChannel 1: Validate.\n\nChannel 0: or or done validate. Yep. If you click\n\nChannel 1: Ready?\n\nChannel 0: on that.\n\nChannel 1: Yeah. It's just loading.\n\nChannel 0: Yep. Yep. Sometimes it does take a couple of minutes to come through. So if that looks all updated on your end, did it say that it's kind of loading and sending through?\n\nChannel 1: Yep. It just says still loading.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: No. That's okay. Sometimes with technology, so\n\nChannel 1: know.\n\nChannel 0: I'm sure it will come through shortly. Then I will get the team to upload that and get it all sorted for you.\n\nChannel 1: Fantastic.\n\nChannel 0: Otherwise, Gina, do you have any questions for me at this point?\n\nChannel 1: No. No.\n\nChannel 0: No?\n\nChannel 1: It's been a couple of years actually since I've had the annual meeting because I'm always at work.\n\nChannel 0: Yes. And then\n\nChannel 1: Yeah.\n\nChannel 0: also with, you know, there's been we've had a a bit of company structure changes or a bit of growth\n\nChannel 1: Yes.\n\nChannel 0: with the team, and then we had a storm here as well. So we've been running a little bit behind on things as well. So I do obviously appreciate your patience and understand that, you know, work does does get in the way, but I'm glad that we could, you know, reconnect and have a bit of a a bit of a catch up today. And I can just see as well that those forms have just come through to me, so that is great. So\n\nChannel 1: Beautiful.\n\nChannel 0: I will let you go, and enjoy the rest of your day off. But if there is anything that you need in between the interviews or anything like that, always send us an email or give us a call, and we can always look through in for a bit of a catch up.\n\nChannel 1: No worries. Thank you so much for that.\n\nChannel 0: No problem at all. I hope you have a lovely rest of your day.\n\nChannel 1: I shall. I shall. You\n\nChannel 0: Mhmm.\n\nChannel 1: too. Thank\n\nChannel 0: Thanks,\n\nChannel 1: you.\n\nChannel 0: Tina. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.0,"sentiment":"neutral","sentiment_score":0.032323308289051056},{"text":"Tina speaking.","start":2.0,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.052628979086875916}],"sentiment":"neutral","sentiment_score":0.04586042215426763,"channel":1,"num_words":3,"start":1.76,"end":2.8999999},{"sentences":[{"text":"Good afternoon, Tina.","start":3.6799998,"end":4.7999997,"sentiment":"positive","sentiment_score":0.4037022789319356},{"text":"This is Veronica from Financial.","start":4.7999997,"end":6.58,"sentiment":"neutral","sentiment_score":0.3072665810585022},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.24778980016708374}],"sentiment":"neutral","sentiment_score":0.3173462856899608,"channel":0,"num_words":11,"start":3.6799998,"end":8.02},{"sentences":[{"text":"I'm good.","start":8.24,"end":8.96,"sentiment":"positive","sentiment_score":0.522047832608223},{"text":"How are you?","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.3596903582413991}],"sentiment":"positive","sentiment_score":0.4246333479881287,"channel":1,"num_words":5,"start":8.24,"end":9.78},{"sentences":[{"text":"I'm good.","start":10.0,"end":10.8,"sentiment":"positive","sentiment_score":0.5496654808521271},{"text":"Thanks.","start":10.8,"end":11.3,"sentiment":"positive","sentiment_score":0.6817888021469116},{"text":"I had you booked email this afternoon to go over your annual review.","start":12.495,"end":16.015,"sentiment":"positive","sentiment_score":0.3963707662545718},{"text":"Is now still a good time for you?","start":16.015,"end":17.635,"sentiment":"positive","sentiment_score":0.35425181314349174}],"sentiment":"positive","sentiment_score":0.4069980929295222,"channel":0,"num_words":24,"start":10.0,"end":17.635},{"sentences":[{"text":"Yep.","start":17.914999,"end":18.414999,"sentiment":"neutral","sentiment_score":0.15768826007843018},{"text":"Definitely.","start":18.475,"end":18.975,"sentiment":"neutral","sentiment_score":0.26992735266685486}],"sentiment":"neutral","sentiment_score":0.21380780637264252,"channel":1,"num_words":2,"start":17.914999,"end":18.975},{"sentences":[{"text":"Yes.","start":18.735,"end":19.235,"sentiment":"neutral","sentiment_score":0.2980591058731079},{"text":"Perfect.","start":19.695,"end":20.195,"sentiment":"positive","sentiment_score":0.5030152797698975},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's 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of wanna run over, it is a bit of an updated risk profile questionnaire.","start":619.6,"end":624.82,"sentiment":"neutral","sentiment_score":0.12547628652481807}],"sentiment":"neutral","sentiment_score":0.15288248434662818,"channel":0,"num_words":30,"start":615.36,"end":624.82},{"sentences":[{"text":"Yep.","start":625.49,"end":625.99,"sentiment":"positive","sentiment_score":0.3946726024150848}],"sentiment":"positive","sentiment_score":0.3946726024150848,"channel":1,"num_words":1,"start":625.49,"end":625.99},{"sentences":[{"text":"It is just multiple choice to make it nice and easy.","start":625.92,"end":629.005,"sentiment":"positive","sentiment_score":0.5902917845682665},{"text":"There is no right or wrong answer.","start":629.005,"end":631.165,"sentiment":"neutral","sentiment_score":0.15473100968769618},{"text":"It's just whatever you feel is the most appropriate for 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more expensive over time, you know, making your money worth less, and everything is costing a little bit more.","start":654.005,"end":662.265,"sentiment":"neutral","sentiment_score":-0.19511763900518417}],"sentiment":"neutral","sentiment_score":-0.17224134169518948,"channel":0,"num_words":40,"start":646.27997,"end":662.265},{"sentences":[{"text":"Now how much of a risk are you willing to take in order to try and keep up with the increasing of prices thinking about your superannuation?","start":662.805,"end":672.6,"sentiment":"neutral","sentiment_score":-0.09345952728418289},{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and make sure you stay on top of their increasing 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3,430.","start":1102.8251,"end":1107.965,"sentiment":"neutral","sentiment_score":0.12999462471766907}],"sentiment":"neutral","sentiment_score":0.1446615254625361,"channel":0,"num_words":47,"start":1087.96,"end":1107.965},{"sentences":[{"text":"Yes.","start":1108.62,"end":1109.12,"sentiment":"neutral","sentiment_score":0.09194182604551315}],"sentiment":"neutral","sentiment_score":0.09194182604551315,"channel":1,"num_words":1,"start":1108.62,"end":1109.12},{"sentences":[{"text":"Do you have any questions in regards to any of that or, you 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everything?","start":1112.025,"end":1114.205,"sentiment":"neutral","sentiment_score":-0.2524255279983793}],"sentiment":"neutral","sentiment_score":-0.2524255279983793,"channel":0,"num_words":7,"start":1112.025,"end":1114.205},{"sentences":[{"text":"Yep.","start":1114.365,"end":1114.865,"sentiment":"neutral","sentiment_score":0.06621155142784119}],"sentiment":"neutral","sentiment_score":0.06621155142784119,"channel":1,"num_words":1,"start":1114.365,"end":1114.865},{"sentences":[{"text":"Yep.","start":1115.23,"end":1115.71,"sentiment":"neutral","sentiment_score":0.11745209991931917},{"text":"Perfect.","start":1115.71,"end":1116.21,"sentiment":"positive","sentiment_score":0.34234297275543213},{"text":"And what is the next one you can see, Tina?","start":1116.51,"end":1118.9299,"sentiment":"neutral","sentiment_score":0.09622969403862953}],"sentiment":"neutral","sentiment_score":0.11850766775508721,"channel":0,"num_words":12,"start":1115.23,"end":1118.9299},{"sentences":[{"text":"And the next one is Netwealth OSA.","start":1119.565,"end":1125.19,"sentiment":"neutral","sentiment_score":0.06329604078616415}],"sentiment":"neutral","sentiment_score":0.06329604078616415,"channel":1,"num_words":7,"start":1119.565,"end":1125.19},{"sentences":[{"text":"Okay.","start":1126.59,"end":1127.09,"sentiment":"neutral","sentiment_score":0.18673723936080933},{"text":"Perfect.","start":1127.3099,"end":1127.8099,"sentiment":"positive","sentiment_score":0.36755257844924927},{"text":"So this one will be one that's also in the documents for you to sign.","start":1129.815,"end":1134.615,"sentiment":"neutral","sentiment_score":0.15234927820662658},{"text":"So it's just there for viewing, and that is just your ongoing service 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you kind of read over that a little bit?","start":1283.995,"end":1286.335,"sentiment":"neutral","sentiment_score":0.011416125390678645}],"sentiment":"neutral","sentiment_score":0.011416125390678645,"channel":0,"num_words":10,"start":1283.995,"end":1286.335},{"sentences":[{"text":"I'll probably probably vaguely.","start":1286.86,"end":1288.3201,"sentiment":"neutral","sentiment_score":-0.027185695245862007}],"sentiment":"neutral","sentiment_score":-0.027185695245862007,"channel":1,"num_words":4,"start":1286.86,"end":1288.3201},{"sentences":[{"text":"No.","start":1289.0,"end":1289.24,"sentiment":"neutral","sentiment_score":-0.07251980155706406},{"text":"That's okay.","start":1289.24,"end":1289.72,"sentiment":"neutral","sentiment_score":-0.01859898678958416},{"text":"And it wasn't anything you had to sign or anything.","start":1289.72,"end":1291.48,"sentiment":"neutral","sentiment_score":-0.032678473740816116},{"text":"It was just 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point?","start":1580.135,"end":1583.835,"sentiment":"neutral","sentiment_score":0.10174666624516249}],"sentiment":"neutral","sentiment_score":0.10174666624516249,"channel":0,"num_words":12,"start":1580.135,"end":1583.835},{"sentences":[{"text":"No.","start":1584.465,"end":1584.705,"sentiment":"neutral","sentiment_score":-0.1011330857872963},{"text":"No.","start":1584.705,"end":1585.185,"sentiment":"neutral","sentiment_score":-0.09294894337654114}],"sentiment":"neutral","sentiment_score":-0.09704101458191872,"channel":1,"num_words":2,"start":1584.465,"end":1585.185},{"sentences":[{"text":"No?","start":1585.1749,"end":1585.6749,"sentiment":"neutral","sentiment_score":-0.1003190577030182}],"sentiment":"neutral","sentiment_score":-0.1003190577030182,"channel":0,"num_words":1,"start":1585.1749,"end":1585.6749},{"sentences":[{"text":"It's been a couple of years actually since I've had the annual meeting because I'm always at work.","start":1585.185,"end":1589.445,"sentiment":"neutral","sentiment_score":-0.11342256640394528}],"sentiment":"neutral","sentiment_score":-0.11342256640394528,"channel":1,"num_words":18,"start":1585.185,"end":1589.445},{"sentences":[{"text":"Yes.","start":1589.895,"end":1590.2949,"sentiment":"neutral","sentiment_score":-0.036280594766139984},{"text":"And then","start":1590.2949,"end":1590.695,"sentiment":"neutral","sentiment_score":-0.03138600289821625}],"sentiment":"neutral","sentiment_score":-0.03301753352085749,"channel":0,"num_words":3,"start":1589.895,"end":1590.695},{"sentences":[{"text":"Yeah.","start":1590.625,"end":1591.125,"sentiment":"neutral","sentiment_score":-0.04201887175440788}],"sentiment":"neutral","sentiment_score":-0.04201887175440788,"channel":1,"num_words":1,"start":1590.625,"end":1591.125},{"sentences":[{"text":"also with, you know, there's been we've had a a bit of company structure changes or a bit of growth","start":1590.695,"end":1596.78,"sentiment":"neutral","sentiment_score":-0.0776262478902936}],"sentiment":"neutral","sentiment_score":-0.0776262478902936,"channel":0,"num_words":20,"start":1590.695,"end":1596.78},{"sentences":[{"text":"Yes.","start":1596.59,"end":1597.09,"sentiment":"neutral","sentiment_score":-0.03855633735656738}],"sentiment":"neutral","sentiment_score":-0.03855633735656738,"channel":1,"num_words":1,"start":1596.59,"end":1597.09},{"sentences":[{"text":"with the team, and then we had a storm here as well.","start":1596.78,"end":1599.74,"sentiment":"neutral","sentiment_score":-0.10824218702812989},{"text":"So we've been running a little bit behind on things as well.","start":1599.74,"end":1603.5801,"sentiment":"neutral","sentiment_score":-0.21647376691301665},{"text":"So I do obviously appreciate your patience and understand that, you know, work does does get in the way, but I'm glad that we could, you know, reconnect and have a bit of a a bit of a catch up today.","start":1603.5801,"end":1613.235,"sentiment":"neutral","sentiment_score":0.024261254022215923},{"text":"And I can just see as well that those forms have just come through to me, so that is great.","start":1613.455,"end":1618.4349,"sentiment":"positive","sentiment_score":0.5674480497837067},{"text":"So","start":1619.13,"end":1619.63,"sentiment":"positive","sentiment_score":0.891623854637146}],"sentiment":"neutral","sentiment_score":0.10858959090614388,"channel":0,"num_words":86,"start":1596.78,"end":1619.63},{"sentences":[{"text":"Beautiful.","start":1619.525,"end":1620.025,"sentiment":"positive","sentiment_score":0.8873640298843384}],"sentiment":"positive","sentiment_score":0.8873640298843384,"channel":1,"num_words":1,"start":1619.525,"end":1620.025},{"sentences":[{"text":"I will let you go, and enjoy the rest of your day off.","start":1619.6901,"end":1622.33,"sentiment":"positive","sentiment_score":0.7971584659356338},{"text":"But if there is anything that you need in between the interviews or anything like that, always send us an email or give us a call, and we can always look through in for a bit of a catch up.","start":1622.33,"end":1631.565,"sentiment":"neutral","sentiment_score":0.15259347185492517}],"sentiment":"neutral","sentiment_score":0.3106943194596273,"channel":0,"num_words":53,"start":1619.6901,"end":1631.565},{"sentences":[{"text":"No worries.","start":1631.8899,"end":1632.45,"sentiment":"positive","sentiment_score":0.3721335530281067},{"text":"Thank you so much for that.","start":1632.45,"end":1633.9099,"sentiment":"positive","sentiment_score":0.829490472873052}],"sentiment":"positive","sentiment_score":0.7151512429118156,"channel":1,"num_words":8,"start":1631.8899,"end":1633.9099},{"sentences":[{"text":"No problem at all.","start":1634.125,"end":1634.9249,"sentiment":"positive","sentiment_score":0.6949211955070496},{"text":"I hope you have a lovely rest of your day.","start":1634.9249,"end":1636.7849,"sentiment":"positive","sentiment_score":0.7822438240051269}],"sentiment":"positive","sentiment_score":0.7572945015771049,"channel":0,"num_words":14,"start":1634.125,"end":1636.7849},{"sentences":[{"text":"I shall.","start":1637.043,"end":1637.523,"sentiment":"positive","sentiment_score":0.3361690640449524},{"text":"I shall.","start":1637.523,"end":1637.923,"sentiment":"neutral","sentiment_score":0.16679592430591583},{"text":"You","start":1637.923,"end":1638.0829,"sentiment":"neutral","sentiment_score":0.13140447437763214}],"sentiment":"neutral","sentiment_score":0.2274668902158737,"channel":1,"num_words":5,"start":1637.043,"end":1638.0829},{"sentences":[{"text":"Mhmm.","start":1638.0449,"end":1638.5449,"sentiment":"neutral","sentiment_score":0.09858787059783936}],"sentiment":"neutral","sentiment_score":0.09858787059783936,"channel":0,"num_words":1,"start":1638.0449,"end":1638.5449},{"sentences":[{"text":"too.","start":1638.0829,"end":1638.5829,"sentiment":"neutral","sentiment_score":0.18122431635856628},{"text":"Thank","start":1638.803,"end":1639.1229,"sentiment":"positive","sentiment_score":0.5519725680351257}],"sentiment":"positive","sentiment_score":0.366598442196846,"channel":1,"num_words":2,"start":1638.0829,"end":1639.1229},{"sentences":[{"text":"Thanks,","start":1638.9249,"end":1639.1649,"sentiment":"positive","sentiment_score":0.7093684673309326}],"sentiment":"positive","sentiment_score":0.7093684673309326,"channel":0,"num_words":1,"start":1638.9249,"end":1639.1649},{"sentences":[{"text":"you.","start":1639.1229,"end":1639.6229,"sentiment":"positive","sentiment_score":0.6676652431488037}],"sentiment":"positive","sentiment_score":0.6676652431488037,"channel":1,"num_words":1,"start":1639.1229,"end":1639.6229},{"sentences":[{"text":"Tina.","start":1639.1649,"end":1639.6649,"sentiment":"neutral","sentiment_score":0.3015744686126709},{"text":"Bye.","start":1639.8849,"end":1640.3849,"sentiment":"neutral","sentiment_score":0.19026252627372744}],"sentiment":"neutral","sentiment_score":0.24591849744319916,"channel":0,"num_words":2,"start":1639.1649,"end":1640.3849},{"sentences":[{"text":"Bye.","start":1640.803,"end":1641.303,"sentiment":"neutral","sentiment_score":-0.11013581603765488}],"sentiment":"neutral","sentiment_score":-0.11013581603765488,"channel":1,"num_words":1,"start":1640.803,"end":1641.303}]},"summary":{"result":"success","short":"A representative from Financial calls Tina to go over her annual review and personal information, including her income, marital status, health and lifestyle, and retirement goals. They update her financial situation and goals, including plans to start a restaurant and pursue a full-time job. The agent discusses risk profiles and investment opportunities for a high growth portfolio, provides information on various insurance and life insurance products, and emphasizes the importance of reading information and staying on top of rising prices. The speaker provides information on retirement plans and provides a chart for the Vanguard index. They also discuss changes to the Australian equity market and diversifying the portfolio for retirement. The conversation ends with the speaker thanking the caller and wishing them a good day."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep.","start_word":78,"end_word":104,"intents":[{"intent":"Confirm identity","confidence_score":0.6415735},{"intent":"Confirm identity","confidence_score":0.15840457}]},{"text":"Well, I will try not to take up too much of your time off. But before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of that review today or any areas you would like me to focus on or just a bit of a catch up. No. No.","start_word":147,"end_word":214,"intents":[{"intent":"Respond to questions","confidence_score":0.0005525245}]},{"text":"isn't going at Yeah.","start_word":245,"end_word":248,"intents":[{"intent":"Report device status","confidence_score":0.00001219245}]},{"text":"Well, what I have done is I have to send you an email So with some documents to go through. yeah. But before I kind of jump on that, I do quickly just wanna run through a bit of an updated fact find just to see if there is anything that has changed since last we went through it, just if there is anything that we might need to change or update for you. Okay.","start_word":255,"end_word":329,"intents":[{"intent":"Discuss future updates","confidence_score":0.0017231082}]},{"text":"Coming up to ten years this year. Oh, perfect.","start_word":594,"end_word":602,"intents":[{"intent":"Confirm age","confidence_score":0.000022771337}]},{"text":"Now your employer, they just still pay you that standard 12% contributions going into superannuation. There's no, like, special enterprise bargain agreement or anything? No. No.","start_word":651,"end_word":676,"intents":[{"intent":"Confirm payment agreement","confidence_score":0.007257096}]},{"text":"I would love to kind of set up and start establishing my own little my own restaurant or cafe. yeah.","start_word":1256,"end_word":1275,"intents":[{"intent":"Establish own restaurant","confidence_score":0.0065756966}]},{"text":"Now that's all updated for you, Tina. And the next thing I do kind of wanna run over, it is a bit of an updated risk profile questionnaire. Yep.","start_word":1627,"end_word":1655,"intents":[{"intent":"Update risk profile questionnaire","confidence_score":0.59272933}]},{"text":"Now kind of thinking about inflation. So, obviously, meaning things are getting more expensive over time, you know, making your money worth less, and everything is costing a little bit more.","start_word":1716,"end_word":1746,"intents":[{"intent":"Discuss inflation and risks","confidence_score":0.0005068375}]},{"text":"So how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start_word":1864,"end_word":1895,"intents":[{"intent":"Evaluate portfolio value in the current market","confidence_score":0.0000031378784}]},{"text":"So not one particular investment that's gone bad, just the market as a whole.","start_word":1896,"end_word":1909,"intents":[{"intent":"Discuss the future of the market","confidence_score":0.0033047844}]},{"text":"So if it is something, like, that you think about, you know, would you if you had the option to do so, think that, well, now when the prices are down, is potentially a good time to invest a bit more, Or would you kind of just stay a bit neutral, like, just kind of wait and see what happens? Or would you want to shift to a more secure asset?","start_word":1975,"end_word":2045,"intents":[{"intent":"Evaluate investment options","confidence_score":0.23044987}]},{"text":"And at the moment, we have you invested in that high growth portfolio. And the difference kind of between the two like, they're both very much targeted and focusing on growing superannuation as much as possible. In your high growth, we see about 90% in your growth in investment. So your Australian shares, international shares, and property and commodities, and that's what's going to grow your superannuation in the long term.","start_word":2327,"end_word":2397,"intents":[{"intent":"Grow superannuation","confidence_score":0.22537974}]},{"text":"when we are thinking about a time frame, so kind of going back to that as well, in a high growth portfolio, so how you are currently invested in, we do like to say that the minimum time frame until retirement through making sure that you do have a time in the market for those fluctuations to come back around, we wanna see about eight years to retirement. So you Okay.","start_word":2431,"end_word":2501,"intents":[{"intent":"Calculate time frame","confidence_score":0.003447504}]},{"text":"And now, Tina, do you have access to your emails at the moment or A not day? really right now?","start_word":2545,"end_word":2564,"intents":[{"intent":"Access email","confidence_score":0.13308157}]},{"text":"So did you receive an email from myself recently? Yes.","start_word":2567,"end_word":2576,"intents":[{"intent":"Review email","confidence_score":0.0013316716}]},{"text":"But before you click on the link where it says sign now, you will see if you scroll down in that email, there should be a couple of attachments. Can you Yep.","start_word":2615,"end_word":2646,"intents":[{"intent":"Scroll down","confidence_score":0.02782193}]},{"text":"Now these are just some updated versions for you.","start_word":2712,"end_word":2720,"intents":[{"intent":"Update documents and provide information","confidence_score":0.012085902}]},{"text":"And that's just to say that you are happy to stay on as a client. There is no changes whatsoever in regards to the fees. So it stays the same at 1.65 from superannuation, and there Yep. is no lock in contract. So if at any point in time you are not happy with the service, there is no lock in contract. But, otherwise, just just let us service you in the meantime. Does that Perfect.","start_word":3032,"end_word":3107,"intents":[{"intent":"Maintain status as client","confidence_score":0.000058361988},{"intent":"Service as client","confidence_score":0.13976717}]},{"text":"If you can open this one for me, and this is probably the one that looks to be the most confusing sometimes, especially if you are looking at it, on the phone because it shows you all the the portfolio. Okay. So let me know if you can see that. Okay. I can. Yep. So this one here gives you a bit of a breakdown of your portfolio over the last twelve months.","start_word":3125,"end_word":3197,"intents":[{"intent":"Analyze portfolio portfolio","confidence_score":0.000014031404}]},{"text":"The main kind of impact from the investments that have been down has been the Australian equity who has had kind of a bit of a softer year, and we have actually recently made a change through the one that was underperforming a little bit for you. So did Okay. you receive an email from us, I think it was on the March 12, in regards to a investment change?","start_word":3372,"end_word":3441,"intents":[{"intent":"Update investment changes","confidence_score":0.026225142}]},{"text":"why, you know, short term, you're not too concerned as long as you have good solid investments that are diversified. All good.","start_word":4078,"end_word":4099,"intents":[{"intent":"Manage investments","confidence_score":0.00006466588}]}]},"sentiments":{"segments":[{"text":"Hello? Tina speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04586042091250419},{"text":"Good afternoon, Tina.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4007881581783294},{"text":"This is Veronica from Financial. How are you?","start_word":6,"end_word":13,"sentiment":"neutral","sentiment_score":0.27872252464294434},{"text":"I'm good. How are you? I'm good. Thanks. I had you booked email this afternoon to go over your annual review. Is now still a good time for you?","start_word":14,"end_word":42,"sentiment":"positive","sentiment_score":0.42746585607528687},{"text":"Yep. Definitely. Yes.","start_word":43,"end_word":45,"sentiment":"neutral","sentiment_score":0.23487062752246857},{"text":"Perfect.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.5030152797698975},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Tina Marie Brennan. 1977. 20 Yep. 1 Fairburn Road, Cranbourne, Victoria 377. Yep.","start_word":47,"end_word":117,"sentiment":"neutral","sentiment_score":0.06461068987846375},{"text":"Perfect. That's exactly what I have here.","start_word":118,"end_word":124,"sentiment":"positive","sentiment_score":0.5448622703552246},{"text":"And how's your day been so far? I've been busy. It's a day off. No. It's not.","start_word":125,"end_word":141,"sentiment":"neutral","sentiment_score":-0.025196408852934837},{"text":"Oh, that's lovely. That's nice.","start_word":142,"end_word":146,"sentiment":"positive","sentiment_score":0.4700436592102051},{"text":"Well, I will try not to take up too much of your time off. But before I do kind of jump into the annual review, I do like to start by asking if there is anything specific that you are hoping to get out of that review today or any areas you would like me to focus on or just a bit of a catch up. No. No. My life is pretty No. basic. That's not bad, though. Sometimes that's good that there's no major changes. Exactly. I'm not complaining Yeah. at all. I mean, the device Yeah. isn't going at Yeah. Oh, good. the Oh, perfect. moment. Well, what I have done is I have to send you an email So with some documents to go through. yeah. But before I kind of jump on that, I do quickly just wanna run through a bit of an updated fact find just to see if there is anything that has changed since last we went through it, just if there is anything that we might need to change or update for you. Okay. So just bear with me as I kind of go through these couple of questions here. Now when it comes to your personal information, I have you down here as single with one financial dependent. Is that still correct? With one financial dependent. Yes. Yeah. She's kind kind of isn't, but yeah. Yeah. Is she still, relying on you financially? A little bit. A little Yeah. bit. But Okay. I probably Yep. can't close that for now. Yeah. No. Perfect. Now when it comes to next up, Ken, I have your sister Julie nominated. Is that still the case as well? Yes. Yep. Perfect. I don't have a phone number for them, though. Would you be able to provide that? Yep. I don't know it, but I'll find it. No. That's okay. Most people are the same. Yep. It's ridiculous. Lucky to remember mine. Often, I do sometimes get some troubleshoot with partners. If their partners are close by and they go, oh, I should know this by heart, but I Yeah. don't. You just don't have to think about it anymore. No. That's it. Okay. So her phone number is 04 Yep. 16 Yep. 472 Four seven two. Yep. 451. 451. Great.","start_word":147,"end_word":532,"sentiment":"neutral","sentiment_score":0.028355320107307617},{"text":"Perfect. Thank you so much.","start_word":533,"end_word":537,"sentiment":"positive","sentiment_score":0.5990392565727234},{"text":"Now when it comes to your occupation, I have you down here as a chef. Is that still the case? Yeah. Yes. Staff manager. Yeah. Chef manager. I will add to that. And you're still enjoying it? Oh, yeah. Absolutely. Yeah. Mhmm. Perfect. You're working full time? Yes. Yes. Perfect. And when did you start that? Coming up to ten years this year. Oh, perfect. So you Oh, must at least you must at this enjoy one it. place. Yeah. Yeah. Perfect. I have income at about 93,000. Yeah. I think it might be a little bit more. Yeah. How what do you think? I'll say for the green 95. 95. Alright.","start_word":538,"end_word":649,"sentiment":"neutral","sentiment_score":0.08873156903843794},{"text":"Perfect.","start_word":650,"end_word":650,"sentiment":"positive","sentiment_score":0.5806372761726379},{"text":"Now your employer, they just still pay you that standard 12% contributions going into superannuation. There's no, like, special enterprise bargain agreement or anything? No. No. It's still the standard. No. Yeah. Correct. Perfect. And you're not making, like, additional contributions or anything, just that from No. your employer? Not yet. I've been very No.","start_word":651,"end_word":705,"sentiment":"neutral","sentiment_score":-0.009038993157446384},{"text":"lazy on that.","start_word":706,"end_word":708,"sentiment":"negative","sentiment_score":-0.42716243863105774},{"text":"That's okay. Assets and liabilities, I have here you have a motor vehicle ride at about 5,000. Yeah. I actually Yeah. sold that one. I now have one that is worth 25. Oh, perfect. Now do you have anything owing on the new car? Yes. I only just bought it. Yeah. And about the 25, or did you put a down payment? No. It was 30 all up with a few added add ons. Okay. Okay. And I only literally only got it less than a month ago. Oh, perfect.","start_word":709,"end_word":798,"sentiment":"neutral","sentiment_score":0.0156108345836401},{"text":"So And very I am nice paying that and off.","start_word":799,"end_word":808,"sentiment":"positive","sentiment_score":0.4094015061855316},{"text":"blue. Yeah. Perfect. Now do you have any other assets in your name otherwise, Tina, any other No. costs or no. No. Any liabilities, like personal loans or credit card or ZipPay? No. No. No. No. Just Nope. Nope. Great. the Kylo. Yeah. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker. Is that still the case? That's still the same. Perfect. And have you had any changes to your health in the last twelve months? Any medication or illnesses or anything? No. No. That's I good. I've got my first pair of reading glasses. Oh, yeah. No. That's okay. Happens Yes. to everyone. That's about it. No. That's good. And do So you my have first sign of old age. to be fair, it happens to everybody. Sorry. Sorry. That's It's it. more more like a majority nowadays. And, Tina, do you have private health insurance? Yeah. No. No. I did. And I've had it for years and never used the stupid things, so Yeah. I No. got rid of it Yeah. No. this That is no problem. year. Estate planning wise, do you have a will in place? No. Again, No. lady. No. That's okay. You don't have, like, a power of attorney or anyone who makes any financial No. decisions on your behalf? No. No. That's good. And are you politically exposed at all or earn any income overseas? No. Right. Perfect. And for your superannuation, I have Bailey nominated at 50% and Marissa at 50%. Is that correct? Yep. That's Yes. that's correct.","start_word":809,"end_word":1070,"sentiment":"neutral","sentiment_score":0.010018599229173392},{"text":"Perfect.","start_word":1071,"end_word":1071,"sentiment":"positive","sentiment_score":0.4350535273551941},{"text":"And their relationship to you? One is my son, and one is my daughter.","start_word":1072,"end_word":1085,"sentiment":"neutral","sentiment_score":0.1948075890541077},{"text":"Great. Perfect.","start_word":1086,"end_word":1087,"sentiment":"positive","sentiment_score":0.6345691084861755},{"text":"Now when it comes to your goals that you are working on or that you are wanting to achieve, I have here that last time we spoke, your your kind of medium to long term goal was to, hopefully, get in a position where you could buy a property. Is that still kind of, like, a long term goal of yours? Probably not. You know, I'm No? hitting 50 next year. It just gets harder and harder the older you get. Yeah. And then, obviously, sitting with a thirty year loan might not Yeah. be great sometimes either. Yeah. And On a either twenty five year loan. yep. Please. Alright. Just with a very high interest rate, but, you know Yeah. now do you have any other goals? Like, anything that you are working towards in the next twelve months or a couple of years or anything? Look. I'd love to eventually. So, like, I'm hitting Oh, ten years at the end of this year, October this year. I would love to kind of set up and start establishing my own little my own restaurant or cafe. yeah. Oh, nice. Obviously, to be told me about that is you need money coming in for at least the first six months Yep. to get yourself. Yep. Yep. So I'll obviously still work while Like, starting trying with to get the restaurant, that. obviously, first and then maybe develop into a restaurant Yeah. Alright. further down the track when when obviously it's more established because obviously I'm gonna have to keep working full time Yep. where I am to have income coming in Like, on the in site. that respect. Yeah. Obviously, with the way things are at the moment globally, Yep. sort of nothing is set in stone. Nothing is even gotten off the sketch board. So Yes. And with the increase in prices and everything yeah. that's Exactly. happening as a result, it's a bit of, obviously, uncertainty in a lot of areas. Yes. Definitely. Thing Definitely. out. Yeah. But, I mean, And, I'm only, like I said, 50 next year, so I've Yeah. still got ways to go. Yeah. Still got plenty of time. Yeah. Yeah. And are you still kind of thinking of accessing super, drawing an income at about age 67. Do you think you'd work through about then, or what what do you Oh, think god. you I've plan? worked longer than that, I think. Longer. Yep. Yeah. Not most people are the same I'd or at go least nuts. wanting to do something part time anyway. Yeah. I I Mhmm. would absolutely go nuts. Not working. Oh, and what kind of cuisine would you go into? Would it be anything in particular? Or No. no. No. Nothing. It's a bit I of mean, everything. I'm I'm an all rounder, so I can Yep. actually cook anything, Oh, that's good.","start_word":1088,"end_word":1571,"sentiment":"neutral","sentiment_score":0.010269228399785096},{"text":"which is which is a a bonus.","start_word":1572,"end_word":1578,"sentiment":"positive","sentiment_score":0.3776244819164276},{"text":"Yes. But yeah. So, yeah, it would definitely whatever the the district or the area that I'm located in, whatever is really required, Yep. You can kind of if tailor that makes based sense. on the different trends, which is very handy. Yeah. Yeah.","start_word":1579,"end_word":1622,"sentiment":"neutral","sentiment_score":0.20404502749443057},{"text":"Absolutely. Oh, perfect.","start_word":1623,"end_word":1625,"sentiment":"positive","sentiment_score":0.4969871044158935},{"text":"Now that's all updated for you, Tina. And the next thing I do kind of wanna run over, it is a bit of an updated risk profile questionnaire.","start_word":1626,"end_word":1653,"sentiment":"neutral","sentiment_score":0.1447661817073822},{"text":"Yep. It is just multiple choice to make it nice and easy.","start_word":1654,"end_word":1665,"sentiment":"positive","sentiment_score":0.552559494972229},{"text":"There is no right or wrong answer.","start_word":1666,"end_word":1672,"sentiment":"neutral","sentiment_score":0.13967430591583252},{"text":"It's just whatever you feel is the most appropriate for you.","start_word":1673,"end_word":1683,"sentiment":"positive","sentiment_score":0.3503936529159546},{"text":"And Yep. think of these questions as well in regards to your superannuation. Okay? Okay. Now have you ever bought direct shares? No. I'm just not stuck. I'm not gonna no. Perfect. Now kind of thinking about inflation. So, obviously, meaning things are getting more expensive over time, you know, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to try and keep up with the increasing of prices thinking about your superannuation? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk in order to try and make sure you stay on top of their increasing prices. Well, like I said, I'm still 50, so I would definitely go high to medium. Yep.","start_word":1684,"end_word":1824,"sentiment":"neutral","sentiment_score":-0.0371183305978775},{"text":"Perfect.","start_word":1825,"end_word":1825,"sentiment":"positive","sentiment_score":0.4041758179664612},{"text":"You do Yeah. have plenty of time for those, you know, short term fluctuations in order to long term kinda grow that, So you Yeah. do definitely have that. And next is kind of in regards to volatility. So how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start_word":1826,"end_word":1895,"sentiment":"neutral","sentiment_score":-0.07843169569969177},{"text":"So not one particular investment that's gone bad, just the market as a whole.","start_word":1896,"end_word":1909,"sentiment":"negative","sentiment_score":-0.34341004490852356},{"text":"Obviously, we're seeing a bit of that at the moment with, No. Just a little. yes. Obviously, the last twelve months have been quite you know, there's been a lot going on. First, you had obviously Trump and the tariffs and everything in The US, Oh, and absolutely. now the war and everything. So it's been obviously quite turbulent in the last twelve months. So if it is something, like, that you think about, you know, would you if you had the option to do so, think that, well, now when the prices are down, is potentially a good time to invest a bit more, Or would you kind of just stay a bit neutral, like, just kind of wait and see what happens? Or would you want to shift to a more secure asset? So that means you are then selling when the prices have already dropped. No. I'll probably go the first one. Because Yeah. like Maybe I said, invest. there's still time to Yep. look. Yes. You're gonna lose. Yep. It it it is inevitable. Yes. Yes. Life these days, Yes. you can't set yourself up to win. It's never No. gonna it's never gonna And be a 100%. So and yeah. and and long term, we always see the market go up. The short term that you will have some ups and downs. So some years won't be as good. Other years will be really good to kind of even Exactly. it out. And you do Yes. have that time, you know, behind you. So maybe invest a little bit, you know, depending on opportunities and stuff. Yeah. Yeah. Yep.","start_word":1910,"end_word":2183,"sentiment":"neutral","sentiment_score":-0.04364251208480577},{"text":"Great.","start_word":2184,"end_word":2184,"sentiment":"positive","sentiment_score":0.3823378682136536},{"text":"Now next one here is if you did see your superannuation fluctuate and drop a bit in value or any assets really, would you think that, you know, you would feel optimistic about future investment opportunities, or would you be a bit more cautious not making further investments or concern or highly anxious? No. I'll take a special one. Yep. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. No. Would you ever consider taking out a loan to buy an investment property? Or just for, like, your own property potentially or just no loan? No. Probably not. No.","start_word":2185,"end_word":2295,"sentiment":"neutral","sentiment_score":-0.047212786972522736},{"text":"Not this No. That's good.","start_word":2296,"end_word":2300,"sentiment":"negative","sentiment_score":-0.3609175682067871},{"text":"And and that tells me here that you have kind of come come out kind of borderline between your growth and your high growth portfolio. And at the moment, we have you invested in that high growth portfolio. And the difference kind of between the two like, they're both very much targeted and focusing on growing superannuation as much as possible. In your high growth, we see about 90% in your growth in investment.","start_word":2301,"end_word":2374,"sentiment":"neutral","sentiment_score":0.04008195569386353},{"text":"So your Australian shares, international shares, and property and commodities, and that's what's going to grow your superannuation in the long term.","start_word":2375,"end_word":2396,"sentiment":"positive","sentiment_score":0.3872162997722626},{"text":"You do have about Okay. 10% in defensive, like your cash, your gold, your fixed interest. Your growth, it's about a 10% difference. So you have about 80% to growth, 22 defensive. And Okay. when we are thinking about a time frame, so kind of going back to that as well, in a high growth portfolio, so how you are currently invested in, we do like to say that the minimum time frame until retirement through making sure that you do have a time in the market for those fluctuations to come back around, we wanna see about eight years to retirement. So you Okay. certainly have the time in a high growth portfolio as long as you are still comfortable seeing, you know, a bit of those fluctuations in the short term, as long as, obviously, long term, it keeps growing. Yep. Absolutely. Which yep.","start_word":2397,"end_word":2542,"sentiment":"neutral","sentiment_score":0.13907170295715332},{"text":"Great. Perfect.","start_word":2543,"end_word":2544,"sentiment":"positive","sentiment_score":0.5295960903167725},{"text":"And now, Tina, do you have access to your emails at the moment or A not day? really right now? Yep. Okay. So did you receive an email from myself recently? Yes. Would have I been need. great. Just Perfect. If you can Yep. click click onto that one for me. Now before you because we have recently changed software, so it might look a little bit different than usual. But before you click on the link where it says sign now, you will see if you scroll down in that email, there should be a couple of attachments. Can you Yep. see that? Yep. Yep. Now to make it easy for you, which one do you see first? And we can go that way. The first one is o o g services guide. Yeah.","start_word":2545,"end_word":2679,"sentiment":"neutral","sentiment_score":0.07161331921815872},{"text":"Perfect.","start_word":2680,"end_word":2680,"sentiment":"positive","sentiment_score":0.4436686038970947},{"text":"So I won't get you to open that one because you have the OQ services guide, and then the second might be the OQ financial financial services Yep. guide version four. Now these are just some updated versions for you. It's one of those kind of boring compliance documents, but it Yes.","start_word":2681,"end_word":2732,"sentiment":"neutral","sentiment_score":-0.00737992487847805},{"text":"does give you everything that you need to know about us there. So we've had a bit of an extension to the team, which is great, and, also, had a bit of a revamp in our marketing.","start_word":2733,"end_word":2769,"sentiment":"positive","sentiment_score":0.44814759492874146},{"text":"So that's just some updated there for you. So when you have a moment, have a read through them. It's all information you would kind of be across already. Just a Yep. bit of an updated version for you.","start_word":2770,"end_word":2808,"sentiment":"neutral","sentiment_score":0.20655323565006256},{"text":"Awesome. Perfect.","start_word":2809,"end_word":2810,"sentiment":"positive","sentiment_score":0.6775252819061279},{"text":"Now what's the next one you can see? So the next one, it says super and insurance summary. Yep. Perfect. If you can click on that one for me. Yeah. Yep. Sorry. That one here shows you a bit of a summary of your super and your insurances. So you can see you have your super with Netwealth. You do have about $94,133 in there. Yeah. And then underneath that, you can see your insurances. So you have your insurances with ClearView. You have your life and your total permanent disability, and that's Yep. about 594,671. And then Yep. you do also have your income protection, and that will pay you a monthly benefit of $6,244 per month, a ninety day waiting period to a year benefit period. You do get a 15% tax rebate. So after that, total premium for all three is about 3,430. Yes. Do you have any questions in regards to any of that or, you know, Nope. quite happy with your insurances and everything? Yep. Yep.","start_word":2811,"end_word":2981,"sentiment":"neutral","sentiment_score":0.09292254596948624},{"text":"Perfect.","start_word":2982,"end_word":2982,"sentiment":"positive","sentiment_score":0.34234297275543213},{"text":"And what is the next one you can see, Tina? And the next one is Netwealth OSA. Okay.","start_word":2983,"end_word":3000,"sentiment":"neutral","sentiment_score":0.0913441926240921},{"text":"Perfect.","start_word":3001,"end_word":3001,"sentiment":"positive","sentiment_score":0.36755257844924927},{"text":"So this one will be one that's also in the documents for you to sign. So it's just there for viewing, and that is just your ongoing service agreement.","start_word":3002,"end_word":3030,"sentiment":"neutral","sentiment_score":0.16800653780328817},{"text":"Yes. And that's just to say that you are happy to stay on as a client.","start_word":3031,"end_word":3046,"sentiment":"positive","sentiment_score":0.7008304595947266},{"text":"There is no changes whatsoever in regards to the fees. So it stays the same at 1.65 from superannuation, and there Yep. is no lock in contract. So if at any point in time you are not happy with the service, there is no lock in contract. But, otherwise, just just let us service you in the meantime. Does that Perfect. all make sense? Yep. Yep.","start_word":3047,"end_word":3112,"sentiment":"neutral","sentiment_score":0.11431750655174255},{"text":"Perfect.","start_word":3113,"end_word":3113,"sentiment":"positive","sentiment_score":0.33736032247543335},{"text":"And what's the next one for me? Netwealth IRR. Yes. Sorry. If you can open this one for me, and this is probably the one that looks to be the most confusing sometimes, especially if you are looking at it, on the phone because it shows you all the the portfolio. Okay. So let me know if you can see that. Okay. I can. Yep. So this one here gives you a bit of a breakdown of your portfolio over the last twelve months. Yeah. Now, obviously, like we said as well, there has been a bit of a lot of changes in the market the last Yep. Yeah. twelve months. But kind of over the past, you know, twelve months, that portfolio has been kind of a modest decline, only about 2.81%, which is kind of in linear with the broader market movement. And it Yep. is not kind of unexpected over the twelve month period that we have had. No. Okay. As you can see kind of overall, the the the portfolio kind of remains well positioned. The short term movements like these are quite normal as well as obviously part of the investing in the short term. And you can also see all the individual investments.","start_word":3114,"end_word":3322,"sentiment":"neutral","sentiment_score":-0.005194133147597313},{"text":"So the international investments have performed quite well, particularly Yep. your Japan, Europe, and The US markets have done good.","start_word":3323,"end_word":3342,"sentiment":"positive","sentiment_score":0.426037073135376},{"text":"Gold have also kind of delivered a strong return, which has helped kind of balance out some of the investments that's been kind of underperforming a little bit. The main kind of impact from the investments that have been down has been the Australian equity who has had kind of a bit of a softer year, and we have actually recently made a change through the one that was underperforming a little bit for you. So did Okay. you receive an email from us, I think it was on the March 12, in regards to a investment change? Yes. Yes. Yep. Did Yep. did you kind of read over that a little bit? I'll probably probably vaguely. No. That's okay. And it wasn't anything you had to sign or anything. It was just for No. your reference No. No. that, As you soon know, we'd as you read that, it's kind of like, oh, that's okay then. yeah. Exactly. And it was just, you know, it was just giving you a bit of an update that we obviously do ongoing portfolio management and the investment oversight and kind of after going through everything because the investments and markets are always ever involving. So it is important to keep reviewing it. And if there are areas where we foresee that one investment is underperforming a little bit and if we foresee it not, you know, coming back quickly or going to be the best option moving forward, we obviously wanna make sure that we switch these things out for you so we have you in the best options possible.","start_word":3343,"end_word":3610,"sentiment":"neutral","sentiment_score":-0.0387831341419647},{"text":"So Thanks.","start_word":3611,"end_word":3612,"sentiment":"positive","sentiment_score":0.39449214935302734},{"text":"after the investment committee kind of had a deep dive into the Benelong Australian Equity, which was the one that kind of contributed through the most fluctuation, Yep. They decided as well that there was a little bit of issues with the investments. They historically have done really, really well and was one of the best performing fund managers, which is why it was added to their portfolio. More recently, it kind of underperformed a little bit. So we have stopped that one for you for another Australian investment because we still wanna make sure that you have some exposure through, you know, the Australian equity Yes. as well. We Yes. don't want you to just, you know, concentrate any specific area. We wanna have it diversified. Yes. And that one is your BetaShares Australia 200. And that one just basically tracks the 200 largest companies listed in Australia. So you'll Okay. have all the big companies like Woolworths and Commonwealth and BHP, all the kind of big companies there.","start_word":3613,"end_word":3782,"sentiment":"neutral","sentiment_score":0.03821155753205805},{"text":"And that one has done a little bit better than Benelon, and it's also a little bit cheaper as well.","start_word":3783,"end_word":3802,"sentiment":"positive","sentiment_score":0.35137221217155457},{"text":"So Okay. that is basically that change.","start_word":3803,"end_word":3809,"sentiment":"neutral","sentiment_score":0.2507331669330597},{"text":"So then moving forward as well, we do foresee that making that change is going to improve the Australian equity component and kind of rebalance the portfolio and position you in the best position for your retirement as well.","start_word":3810,"end_word":3848,"sentiment":"positive","sentiment_score":0.496638685464859},{"text":"Do you have any questions with that? I know that's probably a lot. Awesome. No. No. That's fine. No? No? Great. Now you should have a ClearView COC. Can you Yeah. see that as well? Yep. And that is just it just breaks down your insurances in a bit more detail. Just basically lets you know that that's all paid and up to date. Okay. Perfect. The last one you should see is your 2025 Vanguard index chart. Can you see that Yep. one? Yep. Perfect. And this one here, you may have seen before, but it's one of those it is just good for a visual representation Yep. because Okay. it kind of shows you, you know, the market historically as well, and it kind of goes all the way back to 1995 and takes you through to 2025. And it kind of shows you all the ups and downs of the different asset classes and how Yep. they kind of move. And as you can see here as well from the trend that, you know, over the long term, the market Yeah. always goes up. But short term, there will be some of those ups and downs and market fluctuations. And you can kind of see as well that sometimes the biggest declines are quite closely followed by the market coming back up again. So that's Yep. why, you know, short term, you're not too concerned as long as you have good solid investments that are diversified.","start_word":3849,"end_word":4097,"sentiment":"neutral","sentiment_score":0.12786456942558289},{"text":"All good. Perfect.","start_word":4098,"end_word":4100,"sentiment":"positive","sentiment_score":0.5314304232597351},{"text":"Now, basically, as well, that was all those documents. So if you are happy to do so, if you are wanting to click on the link process sign now, it Yeah. should then ask you to sign through document. Okay. And one is that OSA, that ongoing service agreement. Can you see that? Yep. And then the second one should be it's just a compliance. It's a tax file number form just to say we are keeping your tax file number secure on file. And that should be the only ones they ask you to sign because the rest are just for your reference.","start_word":4101,"end_word":4204,"sentiment":"neutral","sentiment_score":0.11948629468679428},{"text":"Beautiful. Perfect. And then once you've kind of added the signature, it should automatically send it back to me.","start_word":4205,"end_word":4223,"sentiment":"positive","sentiment_score":0.4244658648967743},{"text":"I think it normally says, like, finish or something on your end Validate. or or done validate. Yep. If you click Ready? on that. Yeah. It's just loading. Yep. Yep. Sometimes it does take a couple of minutes to come through. So if that looks all updated on your end, did it say that it's kind of loading and sending through? Yep. It just says still loading. Yeah. I No. That's okay. Sometimes with technology, so know. I'm sure it will come through shortly. Then I will get the team to upload that and get it all sorted for you.","start_word":4224,"end_word":4323,"sentiment":"neutral","sentiment_score":0.06761147081851959},{"text":"Fantastic.","start_word":4324,"end_word":4324,"sentiment":"positive","sentiment_score":0.4796992540359497},{"text":"Otherwise, Gina, do you have any questions for me at this point? No. No. No? It's been a couple of years actually since I've had the annual meeting because I'm always at work. Yes. And then Yeah. also with, you know, there's been we've had a a bit of company structure changes or a bit of growth Yes. with the team, and then we had a storm here as well. So we've been running a little bit behind on things as well. So I do obviously appreciate your patience and understand that, you know, work does does get in the way, but I'm glad that we could, you know, reconnect and have a bit of a a bit of a catch up today.","start_word":4325,"end_word":4447,"sentiment":"neutral","sentiment_score":-0.04062187671661377},{"text":"And I can just see as well that those forms have just come through to me, so that is great. So Beautiful. I will let you go, and enjoy the rest of your day off.","start_word":4448,"end_word":4482,"sentiment":"positive","sentiment_score":0.6829695701599121},{"text":"But if there is anything that you need in between the interviews or anything like that, always send us an email or give us a call, and we can always look through in for a bit of a catch up.","start_word":4483,"end_word":4522,"sentiment":"neutral","sentiment_score":0.15267637372016907},{"text":"No worries. Thank you so much for that. No problem at all. I hope you have a lovely rest of your day.","start_word":4523,"end_word":4544,"sentiment":"positive","sentiment_score":0.735497236251831},{"text":"I shall. I shall. You Mhmm. too.","start_word":4545,"end_word":4551,"sentiment":"neutral","sentiment_score":0.1814662218093872},{"text":"Thank Thanks, you.","start_word":4552,"end_word":4554,"sentiment":"positive","sentiment_score":0.6612080335617065},{"text":"Tina. Bye. Bye.","start_word":4555,"end_word":4557,"sentiment":"neutral","sentiment_score":0.21789151430130005}],"average":{"sentiment":"neutral","sentiment_score":0.06785427272818738}}}}