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Yes. Perfect. Now before I do kind of jump into things with the interview, I do like to start by asking if there is anything specific that you are wanting me to focus a little bit more on today, or do you have any particular questions, or just a bit of an update and kind of see where everything is up to? Mhmm. Mhmm. Yep. Mhmm. Yep. Okay. Perfect. No. We can definitely go through that in a bit more detail today. Now what I will do first, Jose, is just to go through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life as well, if we need to also factor that in, if we need to make any changes to your advice. So just kind of bear with me as I go through this information, and I'll try to make it quick for you. When it comes to your personal information, I have you down here as married with financial dependents. Is that correct? Yes. Beautiful. Now I don't actually have a next of kin on file for you. Do you have someone that you would like to nominate and that is simply just in error? Okay. Perfect. Same and that was the same last name as yourself, did you say? Yep. Perfect. And best phone number? Yes. 33. Perfect. Thank you so much. Occupation wise, has anything changed, or what are you kind of up to at the moment? I have 95. Is that still the same? Still the same. Okay. Okay. Okay. Perfect. Now so sorry. Did you say it was a client service officer? Is that the title? Sorry. Client service manager. Beautiful. And is that mainly office space? Yes. Yeah. Perfect. And you work full time as well? Yeah. Great. Now when it comes to superannuation, I I have here that they pay you that standard 12% contribution into super. That's still the case. There's no changes in regards to any of that? Yep. Perfect. And you don't make any additional contributions? Is that from your employer? Yep. No. That's all good. Yeah. No. That's okay. That's all good. Asset and liability wise, I have here that you own a property, and last time, it was valued at about 450,000. Do you know if that's still roughly the case? The same. Perfect. And mortgage about $3.30. $3.20. Okay. Perfect. Now do you have any other assets, any motor, bikes, motor no. Perfect. And health and lifestyle? Still a nonsmoker, and everything's going good health wise? Perfect. And when it comes to estate planning, do you guys have a will in place? No. No. That's okay. And I do have here that for your, beneficiary, so in the event that something were to happen to you, I have, 40% going to Erica, 30% to Phoenix, and 30% to Zion. Is that still correct as well? Perfect. Thank you so much. Yep. Now no. No. That's okay. I get it. Now I guess goals for stuff that you are working towards or that you are wanting to achieve, usually doing under good as a bit of a check-in to see how everything is going and setting some goals for the next twelve months. I have here that last time we spoke to you, your main focus was to kind of just paying down the mortgage. Is that still kind of your primary financial goal, would you say? Still the same. Okay. And when it comes to superannuation, I have here that you ideally would like to retire at 65. Is that still kind of on track? Yep. And I do yeah. And, ideally, wanna draw an income of about 1,500 per week, like, for yourself? Yep. Okay. Perfect. Now what I will do so it was just your goals. So when you do decide to retire, so let's say 65, and you want to start drawing an income from super, an amount that you think would be sufficient for your lifestyle expenses and everything like that on a weekly basis. So I have here that ideally and, obviously, things can change depending on what your situation is when you retire, still a while away. But at the moment that you are hoping to draw a weekly income of about $1,500 per week. Do you think that would still kind of cover yep. I did. Great. Perfect. Now the next thing I do wanna quickly run through there with you, it is just a bit of an updated risk profile questionnaire. It is pretty straightforward, in that it is multiple choice, and there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. And I do understand that some of them is a little bit tricky because it's all, like, hype hypothetical. So if it doesn't make sense, just let me know. But it's just with whatever aligns the most with you. Does that make sense? Yep. Yep. Perfect. Now, Jose, have you ever bought direct shares yourself? Direct shares. Like, have you bought stocks on the stock market or anything like that? No. Perfect. And when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept Okay. Yes. Yes. Okay. Perfect. Now you are kind of in that that process. So if you are happy with so at the moment, you are in a growth portfolio. What that basically means is that you are looking at getting as much growth out of your super while you have plenty of time until retirement and that you understand that there will be some short term fluctuations in order to grow your super. Now when it comes through how your money is invested, we see 80% invested in what we call your growth investment. Now this would be things like property Australian shares and international shares, which is going to grow that super for you. But at the same time, we don't wanna be, you know, super high high risk either. So we do have 20% in defensive, and that is to limit those fluctuations a little bit. And we we typically see, like, your old, your fixed interest, and your cash in in this proportion. Now when we are also talking about a time frame, so making sure you have enough time in the market for those fluctuations to come back around, We want to see ideally six years until retirement. So from a time frame point of view, you you have more than that, so you are in a good position from a time frame. If you are happy with, like, the same level of risk. So not taking any more risk is kind of the same level of that growth portfolio. Would you be happy in a growth portfolio? Okay. Yep. Now what we will go through next is the your question. So it's going a bit more into your superannuation where things are at. So do you have access to your emails at all for me, or is it a bit busy right now? No. That's okay. Yes. Yep. Yes. Yes. Okay. Perfect. So what I have done for later when you have a bit more time, I have sent you an email for you to review. Now I will go through what's in that email with you now briefly. And then when you have a bit more time later, you can go and have a look at it. And if you then have any questions, you can let me know. Okay? Yep. So I send it to Colombiancommander@Gmail.com. Yeah. And it could also yes. That's me. Beautiful. Yeah. Yeah. So when you click on the email where it says request signature, when you click on it, it will actually open up all the documents that you can have a look at. Okay. Okay. Okay. Perfect. Perfect. Now can you see the first document there, which should say super and insurance summary. Now yes. So you can see here that you have your superannuation with Hub twenty four. And at the moment, you have $94,623 in there. Okay? Correct. Yes. As of yesterday. Yes. Yep. Now underneath it, you can see your insurances. So when it comes to your insurances, you have life and TPD and income protection with Neon. Now for your life and correct. 406,712. Correct. CPD? Yep. So that is if something were to happen to you and you were to become totally and permanently disabled and you can never go back to work again, that would then be payout to assist you with medical expenses and also because you can't work. So it's assisting with kind of income because you can never work again. Yes. Permanent. Total permanent disability. If it's what? Sorry. Yes. It will be depend if you can work. So if you can if you can do your work so if you can work at anything that you're qualified in, then it's not gonna be paid out because you need to have two doctors to say you can't work. But if you need, let's say, your arm to do your work and you cannot do your occupation without it, then yes. So it's basically if something were to happen to you in illness or accidents or anything, and you cannot work again. Yep. Yeah. Yes. Yes. So on the the next document, the one after this one is pretty good because it shows you a little bit more on your investment. And then I can get up your contributions to how much has actually been put in as well because that one actually shows you just what the return on your investment. So it doesn't show you the the contribution. It just shows you how much the return on your investment has been, which is the next document. But I will get up how much you have contributed as well, and I can email that report to you. Now just while we are just so you while you have the insurance in front of you, I'll just mention the income protection as well because the next document talks about your investment and breaking down that in in a little bit more easy detail for you. Okay? Yep. So you also have an income protection, and that is if you are temporarily unable to work. Okay? And that is a monthly income replacement. Now at the moment, you would be paid out 3,355 per month if you can't work. Okay? Yep. You do have a ninety day waiting period, which means you have to wait the ninety days until you can start getting that payment. And you do have a two year benefit period, which means that you can be on claims for up to two year. Correct. Yeah. That is part of your insurance. Now for all three, you pay after the tax rebate $1,941. Okay? Do you have any other questions with your insurances before I move on to your super in a bit more detail? Are you happy with the level of cover? Yep. Okay. Perfect. So if you can click next for me, you should then have a performance. Correct. Yeah. So this one here might look a little bit messy, especially if it's on your phone, but it basically breaks down all your investments over the last twelve months. So it shows you from 06/30/2025 till the 06/29/2026. Now you have all your individual investments. You have how much you have in them, but you also have how much what the returns are on the individual investment. So if you wanna, for example, look at the return on each of them, if you look in the second column to the right, it should say internal rate of return. Can you see that column? Yes. That shows you how your investments have have done. Now, obviously, in the last twelve months, we have seen a bit of turbulence in the market, which I'm sure you've seen on the news and everything like that as well. Obviously, everything in in The US have seen a bit of fluctuations with Trump and tariffs and everything, and, obviously, more recently with the war as well. So we have seen a bit of turbulence in the market. In saying that, though, you can see here that you only really have one investment that I would like to do more research and look at changing for you. Slightly underperforming at the moment, so that one is down. So what I would like to do after the call today, if you are happy for me to do so, is to draw the one that's twenty two three one because that one is down. So that means it's neg negative. So I wanna change that for you. The top one, all the way to the top. The the Benelon concentrated Australian equity is the one all the way at the top where it says managed funds. That one. Yes. I want to do put a proposal together and see if I can find a better option for that one because it is underperforming a little bit, and we wanna be proactive with your investment. We don't wanna just leave you if there is one that's underperforming. Okay? Yep. Now all the other investments you can see have done quite well given the market condition. Now the one that you pointed, which was the 1.35, that one is your defensive. So, naturally, that's not gonna grow as much because that's your your fixed interest. Now you can see the one that that grows the most, they are like, you can see one of your investments, which is the Global X battery pack and lithium. That's 76%, which is pretty crazy. And then you can also have your silver. So you have some silver in your portfolio, which is up by 45%, which again is pretty crazy. And you also have one that is investing in in Asia. So 50 company in Asia, and that's about 65. So overall, your portfolio has still gone up in the last twelve months, which is great. Now if we're factoring in everything, it's up so we normally do it after fees to show you everything after fees. It's still up by 5.33%, And that is even though you have the Benelon in your portfolio. But like I said, what I want to do after the call today is that I want to put together a bit of a proposal to see if we can swap that one for something a little bit better that's going to give you a little bit more growth and put you in a bit of better position moving forward. Yep. Now when it actually comes through your portfolio, you can actually see here. So your market value at the start of the period, so on the 06/30/2025, it was at 81,656. Okay? Now end of market period, you can see 92,325. You can see here income in period. Now that is just income from your investment. So that is not you putting the money in. That is income from your investments alone is 2,197. And then growth in period is, again, for your investment only, that is 3,568. So total earnings from your investments alone is 5,766. On top of that, you your employer put the money into super for you. So in the last twelve months let me see here. You've had about 8,485 put in from your employer to super in total. Eight thousand 408 85. Yeah. For between the 07/01/2025 till till today. So, yes, basically. Exact exactly. Correct. Yes. So it's still done pretty good given the market. Yep. You started at 81,650 nine. Correct. Thirty thirtieth of June twenty twenty five. Eighty one thousand six hundred and fifty nine. Yes. Yes. 5 $7.06 6. Yeah. Yes. Yep. From your investments. Yep. Yeah. But but like I said, what I'd like yeah. Yeah. Perfect. But like I said, what I would like to do after today is that I would like to do a bit more in-depth on the investment, especially because, obviously, there's been a lot of changes in the world, and I wanna make sure that we have you in the best investments moving forward. So I will go and put together a proposal for you, and it doesn't cost any extra. It's all part of the the service to to look at if we need to make any changes. And then if I do recommend any, I will go through it with you in detail, and then you will let me know if you are happy with that or not. Yep. Now the next document, if you wanna click next in your email, is that your Vanguard index chart? It should be like a red graph. Yes. Okay. So that one just talked about your interest again. But we've kind of already touched it, but it breaks it down in a little bit more information for you. But it lets you know that everything is paid and and up to date with your insurances. Okay? Yep. Any questions with anything so far? Yep. Yep. Perfect. And if you wanna correct. Sorry. The Yes. Correct. It's after. After face. Yes. Correct. Yes. Correct. Correct. Yes. Yes. Yeah. So after fees, it was 5.33. And I like to usually say after fees so you can see after everything. But correct. That is that is, yeah, after fees. So that is what what's left after all fees. Yes. For 5.33. Yep. Which, again, in the last twelve months, given what's happened in the market, it's it's still pretty good given, yeah, what's what's happening. Now, Jose, if you wanna click next for me, you should now have that Vanguard index chart. Yes. Yep. So you probably have seen something like this before. Vanguard does release one every single year, so they do to release the next one probably any day now. But, basically, what it is, it's just a good visual representation of what we are talking about when we're talking about the market and market fluctuations. Now this one here goes from 1995 through through 2025, but it shows you all the ups and downs of the market. You can basically see that when we are looking long term, everything goes up. The short term, depending on what is happening in the world, there will be some of those ups and downs and market fluctuations. Okay? Yes. Sure. Yes. No. That's okay. Hello? You can hear me? Yeah. Yeah. Beautiful. Now if you can click next for me, you should now see. Sure. Sure. Oh, yeah. No. That's okay. Multitasking. I get it. Yep. You can hear me, Jose? Yeah. No. That's okay. It should only be, like, maybe another two, three minutes, and then I will let you go because of Yes. Okay. So next document. Can you see our HP services guide? Yes. Correct. Correct. Yes. Exactly. So it's just kind of a good way to to see things. So it's just just, yeah, just to to see everything. Okay. Yes. Exactly. Now you have probably seen a couple of days before. It is just one of those compliance documents, but it does give you all the important information. Now it is 22 pages, so I won't go through all of that with you. Yeah. Yeah. Now as you scroll through, you can see the team. So you can see we've had a bit of an update to marketing. You can see the advisers, the directors. If you wanna, you know, put a face to who you are who you are speaking with as well, I am also there on, yeah, on page 10, which sometimes is nice, obviously, because we are speaking over the phone. But, yeah, just just some information there for you. And if you can click on the next one for me when you're ready. Yes. Now can you see where it says ongoing service agreement, half twenty four? Consent to new ongoing fee arrangement. Can you see that one? Correct. So there's no changes. Yeah. So when it comes to the ongoing fee, there for the next twelve months, there's no changes in the fee structure. So we're not increasing the fee or anything like that. It stays exactly the same as what you have paid, which is 1.65% from super. So you don't pay for anything out of pocket, but that is the fee ongoing form superannuation. Now you can see here that there's two lines. So you can see from zero to 600, 1.65, and then 601 up is zero. It's because we cap it at 600,000. So if your balance goes to 700, you're only paying that up to 600. Okay. Does that make sense? Yeah. Perfect. Now it's not a locking contract either, Jose. So if at any point in time you are not happy with the service, there is no locking contract. So by signing this document, it allows us to keep servicing and managing your account and everything for you in the meantime. Okay? Yep. Now there should then be one last document if you press next. Yep. Which should say option to provide tax file number. Sure. No. That's okay. Just so you know, basically, all that form is is to say that we are keeping your tax file number secure and safe on file. Yeah. Yeah. Exactly. So, basically, from here, if you are happy to do so, it will just ask you to add two signatures. One will be on this tax file number form, and one will be on that ongoing service agreement. And it will just ask you to add your your name, and then it should automatically add the date as well. Yep. Let me have a look. Did it say validate or anything for you? Perfect. Now sometimes it takes a little bit for it to come through, which is okay. I'll have a little look out for my emails to see if it comes through. We'll get all of that loaded and sorted for you. But like I said, Jose, I would like to do a bit more research on the investment to see if we need to make any changes, and it will take me about a week to put it all together for you. So do you what's that? Sorry? Yes. Now do you have any availability next week? Do you normally do you prefer mornings or afternoon? Okay. I could do Tuesday the seventh at 9AM or no. No. That's okay. I could do Tuesday the seventh at 4PM. Yes. The seventh. Okay. Beautiful. Well, that is all booked in on Tuesday, the seventh at 4PM. I will give you a call to kind of run through run through the research and if we wanna make any changes to your investments. And, yeah, just leave that with me. No problem at all. Thank you so much, and I hope you enjoy the rest of your afternoon, and I look forward to speaking with you week. Okay. Thanks. 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afternoon. This is Franca speaking. How are you? Yeah. I'm good.\n\nThanks. Thanks for calling me back. I had you booked in to go over your annual review. Is now still a good time for you? Yes.\n\nYes. Perfect. Now before I do kind of jump into things with the interview, I do like to start by asking if there is anything specific that you are wanting me to focus a little bit more on today, or do you have any particular questions, or just a bit of an update and kind of see where everything is up to? Mhmm. Mhmm.\n\nYep. Mhmm. Yep. Okay. Perfect.\n\nNo. We can definitely go through that in a bit more detail today. Now what I will do first, Jose, is just to go through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life as well, if we need to also factor that in, if we need to make any changes to your advice. So just kind of bear with me as I go through this information, and I'll try to make it quick for you. When it comes to your personal information, I have you down here as married with financial dependents.\n\nIs that correct? Yes. Beautiful. Now I don't actually have a next of kin on file for you. Do you have someone that you would like to nominate and that is simply just in error?\n\nOkay. Perfect. Same and that was the same last name as yourself, did you say? Yep. Perfect.\n\nAnd best phone number? Yes. 33. Perfect. Thank you so much.\n\nOccupation wise, has anything changed, or what are you kind of up to at the moment? I have 95. Is that still the same? Still the same. Okay.\n\nOkay. Okay. Perfect. Now so sorry. Did you say it was a client service officer?\n\nIs that the title? Sorry. Client service manager. Beautiful. And is that mainly office space?\n\nYes. Yeah. Perfect. And you work full time as well? Yeah.\n\nGreat. Now when it comes to superannuation, I I have here that they pay you that standard 12% contribution into super. That's still the case. There's no changes in regards to any of that? Yep.\n\nPerfect. And you don't make any additional contributions? Is that from your employer? Yep. No.\n\nThat's all good. Yeah. No. That's okay. That's all good.\n\nAsset and liability wise, I have here that you own a property, and last time, it was valued at about 450,000. Do you know if that's still roughly the case? The same. Perfect. And mortgage about $3.30.\n\n$3.20. Okay. Perfect. Now do you have any other assets, any motor, bikes, motor no. Perfect.\n\nAnd health and lifestyle? Still a nonsmoker, and everything's going good health wise? Perfect. And when it comes to estate planning, do you guys have a will in place? No.\n\nNo. That's okay. And I do have here that for your, beneficiary, so in the event that something were to happen to you, I have, 40% going to Erica, 30% to Phoenix, and 30% to Zion. Is that still correct as well? Perfect.\n\nThank you so much. Yep. Now no. No. That's okay.\n\nI get it. Now I guess goals for stuff that you are working towards or that you are wanting to achieve, usually doing under good as a bit of a check-in to see how everything is going and setting some goals for the next twelve months. I have here that last time we spoke to you, your main focus was to kind of just paying down the mortgage. Is that still kind of your primary financial goal, would you say? Still the same.\n\nOkay. And when it comes to superannuation, I have here that you ideally would like to retire at 65. Is that still kind of on track? Yep. And I do yeah.\n\nAnd, ideally, wanna draw an income of about 1,500 per week, like, for yourself? Yep. Okay. Perfect. Now what I will do so it was just your goals.\n\nSo when you do decide to retire, so let's say 65, and you want to start drawing an income from super, an amount that you think would be sufficient for your lifestyle expenses and everything like that on a weekly basis. So I have here that ideally and, obviously, things can change depending on what your situation is when you retire, still a while away. But at the moment that you are hoping to draw a weekly income of about $1,500 per week. Do you think that would still kind of cover yep. I did.\n\nGreat. Perfect. Now the next thing I do wanna quickly run through there with you, it is just a bit of an updated risk profile questionnaire. It is pretty straightforward, in that it is multiple choice, and there's no right or wrong answer. It's just whatever you feel is the most appropriate for you.\n\nAnd I do understand that some of them is a little bit tricky because it's all, like, hype hypothetical. So if it doesn't make sense, just let me know. But it's just with whatever aligns the most with you. Does that make sense? Yep.\n\nYep. Perfect. Now, Jose, have you ever bought direct shares yourself? Direct shares. Like, have you bought stocks on the stock market or anything like that?\n\nNo. Perfect. And when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept Okay. Yes. Yes.\n\nOkay. Perfect. Now you are kind of in that that process. So if you are happy with so at the moment, you are in a growth portfolio. What that basically means is that you are looking at getting as much growth out of your super while you have plenty of time until retirement and that you understand that there will be some short term fluctuations in order to grow your super.\n\nNow when it comes through how your money is invested, we see 80% invested in what we call your growth investment. Now this would be things like property Australian shares and international shares, which is going to grow that super for you. But at the same time, we don't wanna be, you know, super high high risk either. So we do have 20% in defensive, and that is to limit those fluctuations a little bit. And we we typically see, like, your old, your fixed interest, and your cash in in this proportion.\n\nNow when we are also talking about a time frame, so making sure you have enough time in the market for those fluctuations to come back around, We want to see ideally six years until retirement. So from a time frame point of view, you you have more than that, so you are in a good position from a time frame. If you are happy with, like, the same level of risk. So not taking any more risk is kind of the same level of that growth portfolio. Would you be happy in a growth portfolio?\n\nOkay. Yep. Now what we will go through next is the your question. So it's going a bit more into your superannuation where things are at. So do you have access to your emails at all for me, or is it a bit busy right now?\n\nNo. That's okay. Yes. Yep. Yes.\n\nYes. Okay. Perfect. So what I have done for later when you have a bit more time, I have sent you an email for you to review. Now I will go through what's in that email with you now briefly.\n\nAnd then when you have a bit more time later, you can go and have a look at it. And if you then have any questions, you can let me know. Okay? Yep. So I send it to Colombiancommander@Gmail.com.\n\nYeah. And it could also yes. That's me. Beautiful. Yeah.\n\nYeah. So when you click on the email where it says request signature, when you click on it, it will actually open up all the documents that you can have a look at. Okay. Okay. Okay.\n\nPerfect. Perfect. Now can you see the first document there, which should say super and insurance summary. Now yes. So you can see here that you have your superannuation with Hub twenty four.\n\nAnd at the moment, you have $94,623 in there. Okay? Correct. Yes. As of yesterday.\n\nYes. Yep. Now underneath it, you can see your insurances. So when it comes to your insurances, you have life and TPD and income protection with Neon. Now for your life and correct.\n\n406,712. Correct. CPD? Yep. So that is if something were to happen to you and you were to become totally and permanently disabled and you can never go back to work again, that would then be payout to assist you with medical expenses and also because you can't work.\n\nSo it's assisting with kind of income because you can never work again. Yes. Permanent. Total permanent disability. If it's what?\n\nSorry. Yes. It will be depend if you can work. So if you can if you can do your work so if you can work at anything that you're qualified in, then it's not gonna be paid out because you need to have two doctors to say you can't work. But if you need, let's say, your arm to do your work and you cannot do your occupation without it, then yes.\n\nSo it's basically if something were to happen to you in illness or accidents or anything, and you cannot work again. Yep. Yeah. Yes. Yes.\n\nSo on the the next document, the one after this one is pretty good because it shows you a little bit more on your investment. And then I can get up your contributions to how much has actually been put in as well because that one actually shows you just what the return on your investment. So it doesn't show you the the contribution. It just shows you how much the return on your investment has been, which is the next document. But I will get up how much you have contributed as well, and I can email that report to you.\n\nNow just while we are just so you while you have the insurance in front of you, I'll just mention the income protection as well because the next document talks about your investment and breaking down that in in a little bit more easy detail for you. Okay? Yep. So you also have an income protection, and that is if you are temporarily unable to work. Okay?\n\nAnd that is a monthly income replacement. Now at the moment, you would be paid out 3,355 per month if you can't work. Okay? Yep. You do have a ninety day waiting period, which means you have to wait the ninety days until you can start getting that payment.\n\nAnd you do have a two year benefit period, which means that you can be on claims for up to two year. Correct. Yeah. That is part of your insurance. Now for all three, you pay after the tax rebate $1,941.\n\nOkay? Do you have any other questions with your insurances before I move on to your super in a bit more detail? Are you happy with the level of cover? Yep. Okay.\n\nPerfect. So if you can click next for me, you should then have a performance. Correct. Yeah. So this one here might look a little bit messy, especially if it's on your phone, but it basically breaks down all your investments over the last twelve months.\n\nSo it shows you from 06/30/2025 till the 06/29/2026. Now you have all your individual investments. You have how much you have in them, but you also have how much what the returns are on the individual investment. So if you wanna, for example, look at the return on each of them, if you look in the second column to the right, it should say internal rate of return. Can you see that column?\n\nYes. That shows you how your investments have have done. Now, obviously, in the last twelve months, we have seen a bit of turbulence in the market, which I'm sure you've seen on the news and everything like that as well. Obviously, everything in in The US have seen a bit of fluctuations with Trump and tariffs and everything, and, obviously, more recently with the war as well. So we have seen a bit of turbulence in the market.\n\nIn saying that, though, you can see here that you only really have one investment that I would like to do more research and look at changing for you. Slightly underperforming at the moment, so that one is down. So what I would like to do after the call today, if you are happy for me to do so, is to draw the one that's twenty two three one because that one is down. So that means it's neg negative. So I wanna change that for you.\n\nThe top one, all the way to the top. The the Benelon concentrated Australian equity is the one all the way at the top where it says managed funds. That one. Yes. I want to do put a proposal together and see if I can find a better option for that one because it is underperforming a little bit, and we wanna be proactive with your investment.\n\nWe don't wanna just leave you if there is one that's underperforming. Okay? Yep. Now all the other investments you can see have done quite well given the market condition. Now the one that you pointed, which was the 1.35, that one is your defensive.\n\nSo, naturally, that's not gonna grow as much because that's your your fixed interest. Now you can see the one that that grows the most, they are like, you can see one of your investments, which is the Global X battery pack and lithium. That's 76%, which is pretty crazy. And then you can also have your silver. So you have some silver in your portfolio, which is up by 45%, which again is pretty crazy.\n\nAnd you also have one that is investing in in Asia. So 50 company in Asia, and that's about 65. So overall, your portfolio has still gone up in the last twelve months, which is great. Now if we're factoring in everything, it's up so we normally do it after fees to show you everything after fees. It's still up by 5.33%, And that is even though you have the Benelon in your portfolio.\n\nBut like I said, what I want to do after the call today is that I want to put together a bit of a proposal to see if we can swap that one for something a little bit better that's going to give you a little bit more growth and put you in a bit of better position moving forward. Yep. Now when it actually comes through your portfolio, you can actually see here. So your market value at the start of the period, so on the 06/30/2025, it was at 81,656. Okay?\n\nNow end of market period, you can see 92,325. You can see here income in period. Now that is just income from your investment. So that is not you putting the money in. That is income from your investments alone is 2,197.\n\nAnd then growth in period is, again, for your investment only, that is 3,568. So total earnings from your investments alone is 5,766. On top of that, you your employer put the money into super for you. So in the last twelve months let me see here. You've had about 8,485 put in from your employer to super in total.\n\nEight thousand 408 85. Yeah. For between the 07/01/2025 till till today. So, yes, basically. Exact exactly.\n\nCorrect. Yes. So it's still done pretty good given the market. Yep. You started at 81,650 nine.\n\nCorrect. Thirty thirtieth of June twenty twenty five. Eighty one thousand six hundred and fifty nine. Yes. Yes.\n\n5 $7.06 6. Yeah. Yes. Yep. From your investments.\n\nYep. Yeah. But but like I said, what I'd like yeah. Yeah. Perfect.\n\nBut like I said, what I would like to do after today is that I would like to do a bit more in-depth on the investment, especially because, obviously, there's been a lot of changes in the world, and I wanna make sure that we have you in the best investments moving forward. So I will go and put together a proposal for you, and it doesn't cost any extra. It's all part of the the service to to look at if we need to make any changes. And then if I do recommend any, I will go through it with you in detail, and then you will let me know if you are happy with that or not. Yep.\n\nNow the next document, if you wanna click next in your email, is that your Vanguard index chart? It should be like a red graph. Yes. Okay. So that one just talked about your interest again.\n\nBut we've kind of already touched it, but it breaks it down in a little bit more information for you. But it lets you know that everything is paid and and up to date with your insurances. Okay? Yep. Any questions with anything so far?\n\nYep. Yep. Perfect. And if you wanna correct. Sorry.\n\nThe Yes. Correct. It's after. After face. Yes.\n\nCorrect. Yes. Correct. Correct. Yes.\n\nYes. Yeah. So after fees, it was 5.33. And I like to usually say after fees so you can see after everything. But correct.\n\nThat is that is, yeah, after fees. So that is what what's left after all fees. Yes. For 5.33. Yep.\n\nWhich, again, in the last twelve months, given what's happened in the market, it's it's still pretty good given, yeah, what's what's happening. Now, Jose, if you wanna click next for me, you should now have that Vanguard index chart. Yes. Yep. So you probably have seen something like this before.\n\nVanguard does release one every single year, so they do to release the next one probably any day now. But, basically, what it is, it's just a good visual representation of what we are talking about when we're talking about the market and market fluctuations. Now this one here goes from 1995 through through 2025, but it shows you all the ups and downs of the market. You can basically see that when we are looking long term, everything goes up. The short term, depending on what is happening in the world, there will be some of those ups and downs and market fluctuations.\n\nOkay? Yes. Sure. Yes. No.\n\nThat's okay. Hello? You can hear me? Yeah. Yeah.\n\nBeautiful. Now if you can click next for me, you should now see. Sure. Sure. Oh, yeah.\n\nNo. That's okay. Multitasking. I get it. Yep.\n\nYou can hear me, Jose? Yeah. No. That's okay. It should only be, like, maybe another two, three minutes, and then I will let you go because of Yes.\n\nOkay. So next document. Can you see our HP services guide? Yes. Correct.\n\nCorrect. Yes. Exactly. So it's just kind of a good way to to see things. So it's just just, yeah, just to to see everything.\n\nOkay. Yes. Exactly. Now you have probably seen a couple of days before. It is just one of those compliance documents, but it does give you all the important information.\n\nNow it is 22 pages, so I won't go through all of that with you. Yeah. Yeah. Now as you scroll through, you can see the team. So you can see we've had a bit of an update to marketing.\n\nYou can see the advisers, the directors. If you wanna, you know, put a face to who you are who you are speaking with as well, I am also there on, yeah, on page 10, which sometimes is nice, obviously, because we are speaking over the phone. But, yeah, just just some information there for you. And if you can click on the next one for me when you're ready. Yes.\n\nNow can you see where it says ongoing service agreement, half twenty four? Consent to new ongoing fee arrangement. Can you see that one? Correct. So there's no changes.\n\nYeah. So when it comes to the ongoing fee, there for the next twelve months, there's no changes in the fee structure. So we're not increasing the fee or anything like that. It stays exactly the same as what you have paid, which is 1.65% from super. So you don't pay for anything out of pocket, but that is the fee ongoing form superannuation.\n\nNow you can see here that there's two lines. So you can see from zero to 600, 1.65, and then 601 up is zero. It's because we cap it at 600,000. So if your balance goes to 700, you're only paying that up to 600. Okay.\n\nDoes that make sense? Yeah. Perfect. Now it's not a locking contract either, Jose. So if at any point in time you are not happy with the service, there is no locking contract.\n\nSo by signing this document, it allows us to keep servicing and managing your account and everything for you in the meantime. Okay? Yep. Now there should then be one last document if you press next. Yep.\n\nWhich should say option to provide tax file number. Sure. No. That's okay. Just so you know, basically, all that form is is to say that we are keeping your tax file number secure and safe on file.\n\nYeah. Yeah. Exactly. So, basically, from here, if you are happy to do so, it will just ask you to add two signatures. One will be on this tax file number form, and one will be on that ongoing service agreement.\n\nAnd it will just ask you to add your your name, and then it should automatically add the date as well. Yep. Let me have a look. Did it say validate or anything for you? Perfect.\n\nNow sometimes it takes a little bit for it to come through, which is okay. I'll have a little look out for my emails to see if it comes through. We'll get all of that loaded and sorted for you. But like I said, Jose, I would like to do a bit more research on the investment to see if we need to make any changes, and it will take me about a week to put it all together for you. So do you what's that?\n\nSorry? Yes. Now do you have any availability next week? Do you normally do you prefer mornings or afternoon? Okay.\n\nI could do Tuesday the seventh at 9AM or no. No. That's okay. I could do Tuesday the seventh at 4PM. Yes.\n\nThe seventh. Okay. Beautiful. Well, that is all booked in on Tuesday, the seventh at 4PM. I will give you a call to kind of run through run through the research and if we wanna make any changes to your investments.\n\nAnd, yeah, just leave that with me. No problem at all. Thank you so much, and I hope you enjoy the rest of your afternoon, and I look forward to speaking with you week. Okay. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.08,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.16488656774163246},{"text":"This is Franca speaking.","start":2.8799999,"end":4.0,"sentiment":"neutral","sentiment_score":0.08848158270120621},{"text":"How are you?","start":4.0,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.16818957030773163},{"text":"Yeah.","start":7.6,"end":8.0,"sentiment":"positive","sentiment_score":0.33896735310554504},{"text":"I'm good.","start":8.0,"end":8.72,"sentiment":"positive","sentiment_score":0.5477167963981628}],"sentiment":"neutral","sentiment_score":0.2185557602594296,"num_words":12,"start":2.08,"end":8.72},{"sentences":[{"text":"Thanks.","start":8.72,"end":9.22,"sentiment":"positive","sentiment_score":0.7015218734741211},{"text":"Thanks for calling me back.","start":9.5199995,"end":11.059999,"sentiment":"positive","sentiment_score":0.6818118691444397},{"text":"I had you booked in to go over your 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same?","start":153.535,"end":155.075,"sentiment":"neutral","sentiment_score":-0.02112593986093998},{"text":"Still the same.","start":156.51,"end":157.23,"sentiment":"neutral","sentiment_score":0.007449201308190823},{"text":"Okay.","start":157.23,"end":157.73,"sentiment":"neutral","sentiment_score":0.009348662570118904}],"sentiment":"neutral","sentiment_score":0.020264709601178765,"num_words":28,"start":137.98,"end":157.73},{"sentences":[{"text":"Okay.","start":159.31,"end":159.81,"sentiment":"neutral","sentiment_score":0.006247060839086771},{"text":"Okay.","start":160.59,"end":161.06999,"sentiment":"neutral","sentiment_score":0.04535156115889549},{"text":"Perfect.","start":161.06999,"end":161.56999,"sentiment":"neutral","sentiment_score":0.09878775477409364},{"text":"Now so sorry.","start":162.91,"end":166.19,"sentiment":"neutral","sentiment_score":-0.008801598101854324},{"text":"Did you say it was a client service officer?","start":166.19,"end":168.27,"sentiment":"neutral","sentiment_score":-0.02006667438480589}],"sentiment":"neutral","sentiment_score":-0.0037745657997826734,"num_words":15,"start":159.31,"end":168.27},{"sentences":[{"text":"Is that the title?","start":168.27,"end":169.15,"sentiment":"neutral","sentiment_score":-0.0186864894349128},{"text":"Sorry.","start":169.15,"end":169.65,"sentiment":"neutral","sentiment_score":-0.02648184821009636},{"text":"Client service manager.","start":171.22499,"end":172.605,"sentiment":"neutral","sentiment_score":0.005455352365970612},{"text":"Beautiful.","start":172.745,"end":173.245,"sentiment":"neutral","sentiment_score":0.18458807468414307},{"text":"And is that mainly office space?","start":174.665,"end":177.165,"sentiment":"neutral","sentiment_score":0.036119199047485985}],"sentiment":"neutral","sentiment_score":0.021096101341148216,"num_words":15,"start":168.27,"end":177.165},{"sentences":[{"text":"Yes.","start":180.025,"end":180.525,"sentiment":"neutral","sentiment_score":0.07608415931463242},{"text":"Yeah.","start":180.665,"end":181.165,"sentiment":"neutral","sentiment_score":0.11289788037538528},{"text":"Perfect.","start":181.22499,"end":181.625,"sentiment":"neutral","sentiment_score":0.1873915493488312},{"text":"And you work full time as well?","start":181.625,"end":183.56499,"sentiment":"neutral","sentiment_score":0.08329106122255325},{"text":"Yeah.","start":184.72,"end":185.22,"sentiment":"neutral","sentiment_score":0.133966326713562}],"sentiment":"neutral","sentiment_score":0.09939794039184396,"num_words":11,"start":180.025,"end":185.22},{"sentences":[{"text":"Great.","start":185.28,"end":185.78,"sentiment":"neutral","sentiment_score":0.26045793294906616},{"text":"Now when it comes to superannuation, I I have here that they pay you that standard 12% contribution into super.","start":187.28,"end":195.52,"sentiment":"neutral","sentiment_score":0.04818525947630405},{"text":"That's still the case.","start":195.52,"end":196.40001,"sentiment":"neutral","sentiment_score":0.012610058998689055},{"text":"There's no changes in regards to any of that?","start":196.40001,"end":199.425,"sentiment":"neutral","sentiment_score":-0.002884698307348622},{"text":"Yep.","start":199.905,"end":200.405,"sentiment":"neutral","sentiment_score":0.058984410017728806}],"sentiment":"neutral","sentiment_score":0.03736072810632842,"num_words":35,"start":185.28,"end":200.405},{"sentences":[{"text":"Perfect.","start":201.345,"end":201.845,"sentiment":"neutral","sentiment_score":0.14109072089195251},{"text":"And you don't make any additional contributions?","start":202.065,"end":204.325,"sentiment":"neutral","sentiment_score":-0.01589829385713009},{"text":"Is that from your employer?","start":204.705,"end":206.005,"sentiment":"neutral","sentiment_score":-0.04030575156211853},{"text":"Yep.","start":209.265,"end":209.765,"sentiment":"neutral","sentiment_score":-0.10553149878978728},{"text":"No.","start":210.705,"end":211.02501,"sentiment":"neutral","sentiment_score":-0.0901404619216919}],"sentiment":"neutral","sentiment_score":-0.024493203642001995,"num_words":15,"start":201.345,"end":211.02501},{"sentences":[{"text":"That's all good.","start":211.02501,"end":212.085,"sentiment":"neutral","sentiment_score":-0.022124766061703365},{"text":"Yeah.","start":212.545,"end":213.045,"sentiment":"neutral","sentiment_score":-0.06598015129566193},{"text":"No.","start":214.79001,"end":215.19,"sentiment":"neutral","sentiment_score":-0.011043068021535872},{"text":"That's okay.","start":215.19,"end":216.15001,"sentiment":"neutral","sentiment_score":0.0659569762647152},{"text":"That's all good.","start":216.15001,"end":217.13,"sentiment":"neutral","sentiment_score":0.21996845304965973}],"sentiment":"neutral","sentiment_score":0.06484217941761017,"num_words":10,"start":211.02501,"end":217.13},{"sentences":[{"text":"Asset and liability wise, I have here that you own a property, and last time, it was valued at about 450,000.","start":219.03,"end":226.97,"sentiment":"neutral","sentiment_score":-0.004477858543395996},{"text":"Do you know if that's still roughly the case?","start":227.03,"end":229.035,"sentiment":"neutral","sentiment_score":-0.019502219640546374},{"text":"The same.","start":229.115,"end":229.515,"sentiment":"neutral","sentiment_score":0.03098770510405302},{"text":"Perfect.","start":229.515,"end":230.015,"sentiment":"neutral","sentiment_score":0.10196168720722198},{"text":"And mortgage about $3.30.","start":230.235,"end":232.095,"sentiment":"neutral","sentiment_score":0.04890849580988288}],"sentiment":"neutral","sentiment_score":0.0024328668778007094,"num_words":37,"start":219.03,"end":232.095},{"sentences":[{"text":"$3.20.","start":235.515,"end":236.235,"sentiment":"neutral","sentiment_score":0.020304467529058456},{"text":"Okay.","start":236.235,"end":236.63501,"sentiment":"neutral","sentiment_score":0.059336330741643906},{"text":"Perfect.","start":236.63501,"end":237.13501,"sentiment":"neutral","sentiment_score":0.0998874381184578},{"text":"Now do you have any other assets, any motor, bikes, motor no.","start":237.99501,"end":243.05501,"sentiment":"neutral","sentiment_score":-0.004602617351338267},{"text":"Perfect.","start":243.115,"end":243.615,"sentiment":"positive","sentiment_score":0.39049288630485535}],"sentiment":"neutral","sentiment_score":0.03217435715487227,"num_words":16,"start":235.515,"end":243.615},{"sentences":[{"text":"And health and lifestyle?","start":245.22,"end":246.51999,"sentiment":"neutral","sentiment_score":0.3243287056684494},{"text":"Still a nonsmoker, and everything's going good health wise?","start":248.18,"end":251.4,"sentiment":"positive","sentiment_score":0.38732883003022933},{"text":"Perfect.","start":253.37999,"end":253.87999,"sentiment":"positive","sentiment_score":0.6230918169021606},{"text":"And when it comes to estate planning, do you guys have a will in place?","start":254.57999,"end":259.08,"sentiment":"neutral","sentiment_score":0.10540540379782518},{"text":"No.","start":261.805,"end":262.125,"sentiment":"neutral","sentiment_score":-0.031118959188461304}],"sentiment":"neutral","sentiment_score":0.23187760692089796,"num_words":30,"start":245.22,"end":262.125},{"sentences":[{"text":"No.","start":262.125,"end":262.365,"sentiment":"neutral","sentiment_score":-0.025129450485110283},{"text":"That's okay.","start":262.365,"end":263.185,"sentiment":"neutral","sentiment_score":0.09280731156468391},{"text":"And I do have here that for your, beneficiary, so in the event that something were to happen to you, I have, 40% going to Erica, 30% to Phoenix, and 30% to Zion.","start":263.645,"end":277.13998,"sentiment":"neutral","sentiment_score":0.09165100459799622},{"text":"Is that still correct as well?","start":277.13998,"end":278.91998,"sentiment":"neutral","sentiment_score":0.06873858844240506},{"text":"Perfect.","start":280.02,"end":280.5,"sentiment":"neutral","sentiment_score":0.2938433289527893}],"sentiment":"neutral","sentiment_score":0.09049402753454308,"num_words":43,"start":262.125,"end":280.5},{"sentences":[{"text":"Thank you so much.","start":280.5,"end":281.72,"sentiment":"neutral","sentiment_score":0.1857733204960823},{"text":"Yep.","start":285.3,"end":285.8,"sentiment":"neutral","sentiment_score":0.04189502447843552},{"text":"Now no.","start":286.34,"end":287.875,"sentiment":"neutral","sentiment_score":-0.019453218206763268},{"text":"No.","start":287.875,"end":288.375,"sentiment":"neutral","sentiment_score":-0.0631192997097969},{"text":"That's okay.","start":288.435,"end":289.17502,"sentiment":"neutral","sentiment_score":0.02530293259769678}],"sentiment":"neutral","sentiment_score":0.07335684355348349,"num_words":10,"start":280.5,"end":289.17502},{"sentences":[{"text":"I get it.","start":289.795,"end":290.775,"sentiment":"neutral","sentiment_score":0.06121051808198293},{"text":"Now I guess goals for stuff that you are working towards or that you are wanting to achieve, usually doing under good as a bit of a check-in to see how everything is going and setting some goals for the next twelve months.","start":293.39502,"end":304.58,"sentiment":"neutral","sentiment_score":0.1746372984245766},{"text":"I have here that last time we spoke to you, your main focus was to kind of just paying down the mortgage.","start":305.19998,"end":310.47998,"sentiment":"neutral","sentiment_score":0.08357326821847395},{"text":"Is that still kind of your primary financial goal, would you say?","start":310.47998,"end":314.02,"sentiment":"neutral","sentiment_score":0.08713940841456254},{"text":"Still the same.","start":315.695,"end":316.655,"sentiment":"neutral","sentiment_score":0.09717324624458949}],"sentiment":"neutral","sentiment_score":0.13094987863876734,"num_words":83,"start":289.795,"end":316.655},{"sentences":[{"text":"Okay.","start":316.655,"end":317.155,"sentiment":"neutral","sentiment_score":0.10261772572994232},{"text":"And when it comes to superannuation, I have here that you ideally would like to retire at 65.","start":317.45502,"end":325.95502,"sentiment":"neutral","sentiment_score":0.11625227828820546},{"text":"Is that still kind of on track?","start":326.095,"end":328.415,"sentiment":"neutral","sentiment_score":0.12686897494963237},{"text":"Yep.","start":328.415,"end":328.915,"sentiment":"neutral","sentiment_score":0.10077288001775742},{"text":"And I do yeah.","start":329.48,"end":331.34003,"sentiment":"neutral","sentiment_score":0.09957795776426792}],"sentiment":"neutral","sentiment_score":0.11555891195612569,"num_words":31,"start":316.655,"end":331.34003},{"sentences":[{"text":"And, ideally, wanna draw an income of about 1,500 per week, like, for yourself?","start":331.80002,"end":337.82,"sentiment":"neutral","sentiment_score":0.08425676130822726},{"text":"Yep.","start":340.44,"end":340.92,"sentiment":"neutral","sentiment_score":0.06100284308195114},{"text":"Okay.","start":340.92,"end":341.42,"sentiment":"neutral","sentiment_score":0.09821085631847382},{"text":"Perfect.","start":341.56,"end":342.06,"sentiment":"neutral","sentiment_score":0.10761822760105132},{"text":"Now what I will do so it was just your goals.","start":343.625,"end":350.345,"sentiment":"neutral","sentiment_score":-0.01010505888949741}],"sentiment":"neutral","sentiment_score":0.04768824776900666,"num_words":28,"start":331.80002,"end":350.345},{"sentences":[{"text":"So when you do decide to retire, so let's say 65, and you want to start drawing an income from super, an amount that you think would be sufficient for your lifestyle expenses and everything like that on a weekly basis.","start":350.345,"end":368.18,"sentiment":"neutral","sentiment_score":0.0969866263430293},{"text":"So I have here that ideally and, obviously, things can change depending on what your situation is when you retire, still a while away.","start":368.18,"end":376.07498,"sentiment":"neutral","sentiment_score":0.05001911148428917},{"text":"But at the moment that you are hoping to draw a weekly income of about $1,500 per week.","start":376.775,"end":384.07498,"sentiment":"neutral","sentiment_score":0.05059560833291875},{"text":"Do you think that would still kind of cover yep.","start":385.28,"end":388.47998,"sentiment":"neutral","sentiment_score":0.07247547619044781},{"text":"I did.","start":388.47998,"end":389.12,"sentiment":"neutral","sentiment_score":0.3030128479003906}],"sentiment":"neutral","sentiment_score":0.07808854487773619,"num_words":95,"start":350.345,"end":389.12},{"sentences":[{"text":"Great.","start":389.12,"end":389.59998,"sentiment":"positive","sentiment_score":0.7482706308364868},{"text":"Perfect.","start":389.59998,"end":390.09998,"sentiment":"positive","sentiment_score":0.711156964302063},{"text":"Now the next thing I do wanna quickly run through there with you, it is just a bit of an updated risk profile questionnaire.","start":391.44,"end":397.53998,"sentiment":"neutral","sentiment_score":0.17545108559230962},{"text":"It is pretty straightforward, in that it is multiple choice, and there's no right or wrong answer.","start":398.185,"end":405.065,"sentiment":"neutral","sentiment_score":0.1488526191781549},{"text":"It's just whatever you feel is the most appropriate for you.","start":405.065,"end":408.76498,"sentiment":"neutral","sentiment_score":0.19224756414240057}],"sentiment":"neutral","sentiment_score":0.19102724779535224,"num_words":54,"start":389.12,"end":408.76498},{"sentences":[{"text":"And I do understand that some of them is a little bit tricky because it's all, like, hype hypothetical.","start":409.065,"end":413.9,"sentiment":"neutral","sentiment_score":-0.08884364680240028},{"text":"So if it doesn't make sense, just let me know.","start":414.44,"end":416.76,"sentiment":"neutral","sentiment_score":-0.09335000291466714},{"text":"But it's just with whatever aligns the most with you.","start":416.76,"end":419.72,"sentiment":"neutral","sentiment_score":0.0662815362215042},{"text":"Does that make sense?","start":419.72,"end":420.86002,"sentiment":"neutral","sentiment_score":0.02802835125476122},{"text":"Yep.","start":421.8,"end":422.12,"sentiment":"neutral","sentiment_score":0.06162828207015991}],"sentiment":"neutral","sentiment_score":-0.0405675515701825,"num_words":44,"start":409.065,"end":422.12},{"sentences":[{"text":"Yep.","start":422.12,"end":422.6,"sentiment":"neutral","sentiment_score":0.08986471593379974},{"text":"Perfect.","start":422.6,"end":423.1,"sentiment":"neutral","sentiment_score":0.2785625457763672},{"text":"Now, Jose, have you ever bought direct shares yourself?","start":423.32,"end":426.54,"sentiment":"neutral","sentiment_score":0.03376885337962045},{"text":"Direct shares.","start":430.345,"end":431.145,"sentiment":"neutral","sentiment_score":0.0033829370513558388},{"text":"Like, have you bought stocks on the stock market or anything like that?","start":431.145,"end":434.98502,"sentiment":"neutral","sentiment_score":-0.004141730041458056}],"sentiment":"neutral","sentiment_score":0.02404885868040415,"num_words":26,"start":422.12,"end":434.98502},{"sentences":[{"text":"No.","start":434.98502,"end":435.465,"sentiment":"neutral","sentiment_score":-0.030365698039531708},{"text":"Perfect.","start":435.465,"end":435.965,"sentiment":"neutral","sentiment_score":0.15918216109275818},{"text":"And when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept Okay.","start":437.625,"end":451.77,"sentiment":"neutral","sentiment_score":-0.011926044351779498},{"text":"Yes.","start":453.685,"end":454.185,"sentiment":"neutral","sentiment_score":0.009618047624826431},{"text":"Yes.","start":456.085,"end":456.585,"sentiment":"neutral","sentiment_score":0.08646729588508606}],"sentiment":"neutral","sentiment_score":-0.002839178219437599,"num_words":30,"start":434.98502,"end":456.585},{"sentences":[{"text":"Okay.","start":456.805,"end":457.305,"sentiment":"neutral","sentiment_score":0.18750669062137604},{"text":"Perfect.","start":457.605,"end":458.105,"sentiment":"positive","sentiment_score":0.4059498906135559},{"text":"Now you are kind of in that that process.","start":458.965,"end":462.165,"sentiment":"neutral","sentiment_score":0.2625454117854436},{"text":"So if you are happy with so at the moment, you are in a growth portfolio.","start":462.165,"end":467.56,"sentiment":"neutral","sentiment_score":0.2787801072699949},{"text":"What that basically means is that you are looking at getting as much growth out of your super while you have plenty of time until retirement and that you understand that there will be some short term fluctuations in order to grow your super.","start":468.58002,"end":485.01498,"sentiment":"neutral","sentiment_score":0.23342762599614533}],"sentiment":"neutral","sentiment_score":0.24912200771062307,"num_words":71,"start":456.805,"end":485.01498},{"sentences":[{"text":"Now when it comes through how your money is invested, we see 80% invested in what we call your growth investment.","start":485.715,"end":494.94,"sentiment":"neutral","sentiment_score":0.24169283963385083},{"text":"Now this would be things like property Australian shares and international shares, which is going to grow that super for you.","start":495.63998,"end":505.1,"sentiment":"positive","sentiment_score":0.425813798393522},{"text":"But at the same time, we don't wanna be, you know, super high high risk either.","start":505.205,"end":510.005,"sentiment":"neutral","sentiment_score":-0.1690837093628943},{"text":"So we do have 20% in defensive, and that is to limit those fluctuations a little bit.","start":510.005,"end":516.265,"sentiment":"neutral","sentiment_score":-0.0009308987680603484},{"text":"And we we typically see, like, your old, your fixed interest, and your cash in in this proportion.","start":516.885,"end":524.22003,"sentiment":"neutral","sentiment_score":0.14596952290998566}],"sentiment":"neutral","sentiment_score":0.14971963636657243,"num_words":93,"start":485.715,"end":524.22003},{"sentences":[{"text":"Now when we are also talking about a time frame, so making sure you have enough time in the market for those fluctuations to come back around, We want to see ideally six years until retirement.","start":525.0,"end":536.935,"sentiment":"neutral","sentiment_score":0.13943111068672603},{"text":"So from a time frame point of view, you you have more than that, so you are in a good position from a time frame.","start":537.55505,"end":544.53503,"sentiment":"positive","sentiment_score":0.3902915751934051},{"text":"If you are happy with, like, the same level of risk.","start":545.155,"end":548.4,"sentiment":"neutral","sentiment_score":0.19436082582582126},{"text":"So not taking any more risk is kind of the same level of that growth portfolio.","start":548.4,"end":552.5,"sentiment":"neutral","sentiment_score":0.06467103492468596},{"text":"Would you be happy in a growth portfolio?","start":555.2,"end":557.78,"sentiment":"neutral","sentiment_score":0.2811528965830803}],"sentiment":"neutral","sentiment_score":0.21040352270938456,"num_words":96,"start":525.0,"end":557.78},{"sentences":[{"text":"Okay.","start":561.45496,"end":561.935,"sentiment":"neutral","sentiment_score":0.13029779493808746},{"text":"Yep.","start":561.935,"end":562.435,"sentiment":"neutral","sentiment_score":0.11437951028347015},{"text":"Now what we will go through next is the your question.","start":562.65497,"end":565.77496,"sentiment":"neutral","sentiment_score":0.04924387501722032},{"text":"So it's going a bit more into your superannuation where things are at.","start":565.77496,"end":569.63495,"sentiment":"neutral","sentiment_score":0.042592477483245045},{"text":"So do you have access to your emails at all for me, or is it a bit busy right now?","start":569.855,"end":575.08997,"sentiment":"neutral","sentiment_score":-0.018967035599052905}],"sentiment":"neutral","sentiment_score":0.02088524838504584,"num_words":46,"start":561.45496,"end":575.08997},{"sentences":[{"text":"No.","start":578.58997,"end":578.83,"sentiment":"neutral","sentiment_score":-0.060054294764995575},{"text":"That's okay.","start":578.83,"end":579.73,"sentiment":"neutral","sentiment_score":-0.010261645540595055},{"text":"Yes.","start":582.99,"end":583.49,"sentiment":"neutral","sentiment_score":0.05895586684346199},{"text":"Yep.","start":584.64496,"end":585.14496,"sentiment":"neutral","sentiment_score":0.03153161704540253},{"text":"Yes.","start":586.96497,"end":587.46497,"sentiment":"neutral","sentiment_score":0.06026129797101021}],"sentiment":"neutral","sentiment_score":0.01169519933561484,"num_words":6,"start":578.58997,"end":587.46497},{"sentences":[{"text":"Yes.","start":591.445,"end":591.945,"sentiment":"neutral","sentiment_score":0.05291691794991493},{"text":"Okay.","start":592.64496,"end":593.14496,"sentiment":"neutral","sentiment_score":0.19606566429138184},{"text":"Perfect.","start":593.285,"end":593.785,"sentiment":"positive","sentiment_score":0.5678092241287231},{"text":"So what I have done for later when you have a bit more time, I have sent you an email for you to review.","start":594.08496,"end":601.95,"sentiment":"neutral","sentiment_score":0.22391090293725333},{"text":"Now I will go through what's in that email with you now briefly.","start":602.17,"end":605.79,"sentiment":"neutral","sentiment_score":0.14305005910304877}],"sentiment":"neutral","sentiment_score":0.20125760613009333,"num_words":40,"start":591.445,"end":605.79},{"sentences":[{"text":"And then when you have a bit more time later, you can go and have a look at it.","start":606.17,"end":610.27,"sentiment":"neutral","sentiment_score":0.1846378045646768},{"text":"And if you then have any questions, you can let me know.","start":610.545,"end":613.585,"sentiment":"neutral","sentiment_score":0.20548923686146736},{"text":"Okay?","start":613.585,"end":614.085,"sentiment":"neutral","sentiment_score":0.0988929718732834},{"text":"Yep.","start":615.745,"end":616.245,"sentiment":"neutral","sentiment_score":0.010854598134756088},{"text":"So I send it to Colombiancommander@Gmail.com.","start":618.865,"end":622.83,"sentiment":"neutral","sentiment_score":0.016361823305487633}],"sentiment":"neutral","sentiment_score":0.15851045227967775,"num_words":39,"start":606.17,"end":622.83},{"sentences":[{"text":"Yeah.","start":626.51,"end":627.01,"sentiment":"neutral","sentiment_score":0.04285178333520889},{"text":"And it could also yes.","start":627.39,"end":629.49,"sentiment":"neutral","sentiment_score":0.04188763089478016},{"text":"That's me.","start":630.11005,"end":631.01,"sentiment":"neutral","sentiment_score":0.2712385505437851},{"text":"Beautiful.","start":631.95,"end":632.45,"sentiment":"positive","sentiment_score":0.6546214818954468},{"text":"Yeah.","start":632.75,"end":633.25,"sentiment":"neutral","sentiment_score":0.1655922681093216}],"sentiment":"neutral","sentiment_score":0.16149807889014484,"num_words":10,"start":626.51,"end":633.25},{"sentences":[{"text":"Yeah.","start":637.96497,"end":638.44495,"sentiment":"neutral","sentiment_score":0.06649378687143326},{"text":"So when you click on the email where it says request signature, when you click on it, it will actually open up all the documents that you can have a look at.","start":638.44495,"end":647.745,"sentiment":"neutral","sentiment_score":0.08797378506278619},{"text":"Okay.","start":651.02,"end":651.52,"sentiment":"neutral","sentiment_score":0.021155714988708496},{"text":"Okay.","start":651.98,"end":652.48,"sentiment":"neutral","sentiment_score":0.02833141013979912},{"text":"Okay.","start":656.14,"end":656.3,"sentiment":"neutral","sentiment_score":0.2710738182067871}],"sentiment":"neutral","sentiment_score":0.08895044033933017,"num_words":36,"start":637.96497,"end":656.3},{"sentences":[{"text":"Perfect.","start":656.3,"end":656.78,"sentiment":"positive","sentiment_score":0.5625492334365845},{"text":"Perfect.","start":656.78,"end":657.28,"sentiment":"positive","sentiment_score":0.5095739364624023},{"text":"Now can you see the first document there, which should say super and insurance summary.","start":657.5,"end":665.745,"sentiment":"neutral","sentiment_score":0.09998002921541532},{"text":"Now yes.","start":669.325,"end":670.545,"sentiment":"neutral","sentiment_score":0.06934469565749168},{"text":"So you can see here that you have your superannuation with Hub twenty four.","start":670.765,"end":675.90497,"sentiment":"neutral","sentiment_score":0.0908655481679099}],"sentiment":"neutral","sentiment_score":0.12068577799381631,"num_words":33,"start":656.3,"end":675.90497},{"sentences":[{"text":"And at the moment, you have $94,623 in there.","start":676.41,"end":683.55,"sentiment":"neutral","sentiment_score":0.049530086004071765},{"text":"Okay?","start":683.61,"end":684.11,"sentiment":"neutral","sentiment_score":0.0333721861243248},{"text":"Correct.","start":692.025,"end":692.505,"sentiment":"neutral","sentiment_score":0.013270382769405842},{"text":"Yes.","start":692.505,"end":692.90497,"sentiment":"neutral","sentiment_score":0.019746165722608566},{"text":"As of yesterday.","start":692.90497,"end":693.805,"sentiment":"neutral","sentiment_score":0.0032401743034521737}],"sentiment":"neutral","sentiment_score":0.03479200210422277,"num_words":15,"start":676.41,"end":693.805},{"sentences":[{"text":"Yes.","start":694.025,"end":694.525,"sentiment":"neutral","sentiment_score":0.004431396722793579},{"text":"Yep.","start":696.025,"end":696.525,"sentiment":"neutral","sentiment_score":0.021516762673854828},{"text":"Now underneath it, you can see your insurances.","start":697.065,"end":700.925,"sentiment":"neutral","sentiment_score":0.023895994876511395},{"text":"So when it comes to your insurances, you have life and TPD and income protection with Neon.","start":702.20996,"end":709.67,"sentiment":"neutral","sentiment_score":0.03280264341875034},{"text":"Now for your life and correct.","start":710.37,"end":722.46497,"sentiment":"neutral","sentiment_score":0.0023007458075881004}],"sentiment":"neutral","sentiment_score":0.02389592519312194,"num_words":33,"start":694.025,"end":722.46497},{"sentences":[{"text":"406,712.","start":722.845,"end":725.505,"sentiment":"neutral","sentiment_score":-0.005434777121990919},{"text":"Correct.","start":729.58,"end":730.08,"sentiment":"neutral","sentiment_score":0.012916887179017069},{"text":"CPD?","start":734.46,"end":734.96,"sentiment":"neutral","sentiment_score":-0.02792296931147575},{"text":"Yep.","start":735.02,"end":735.34,"sentiment":"neutral","sentiment_score":-0.05873682722449303},{"text":"So that is if something were to happen to you and you were to become totally and permanently disabled and you can never go back to work again, that would then be payout to assist you with medical expenses and also because you can't work.","start":735.34,"end":751.41504,"sentiment":"neutral","sentiment_score":-0.0893308567504088}],"sentiment":"neutral","sentiment_score":-0.08365441306627222,"num_words":49,"start":722.845,"end":751.41504},{"sentences":[{"text":"So it's assisting with kind of income because you can never work again.","start":751.41504,"end":756.18,"sentiment":"neutral","sentiment_score":-0.013382544884314902},{"text":"Yes.","start":762.0,"end":762.08,"sentiment":"neutral","sentiment_score":0.027010291814804077},{"text":"Permanent.","start":762.08,"end":762.58,"sentiment":"neutral","sentiment_score":0.008251262828707695},{"text":"Total permanent disability.","start":762.72003,"end":764.26,"sentiment":"neutral","sentiment_score":-0.04541960606972376},{"text":"If it's what?","start":769.13495,"end":769.69495,"sentiment":"neutral","sentiment_score":-0.11231157431999843}],"sentiment":"neutral","sentiment_score":-0.02913833666770231,"num_words":21,"start":751.41504,"end":769.69495},{"sentences":[{"text":"Sorry.","start":769.69495,"end":770.19495,"sentiment":"neutral","sentiment_score":-0.19285741448402405},{"text":"Yes.","start":777.615,"end":778.115,"sentiment":"neutral","sentiment_score":-0.04908937588334083},{"text":"It will be depend if you can work.","start":781.41003,"end":783.83,"sentiment":"neutral","sentiment_score":-0.13540225848555565},{"text":"So if you can if you can do your work so if you can work at anything that you're qualified in, then it's not gonna be paid out because you need to have two doctors to say you can't work.","start":783.89,"end":794.925,"sentiment":"neutral","sentiment_score":-0.1471967723220587},{"text":"But if you need, let's say, your arm to do your work and you cannot do your occupation without it, then yes.","start":794.985,"end":802.025,"sentiment":"neutral","sentiment_score":-0.16903929243033583}],"sentiment":"neutral","sentiment_score":-0.15183194700835478,"num_words":72,"start":769.69495,"end":802.025},{"sentences":[{"text":"So it's basically if something were to happen to you in illness or accidents or anything, and you cannot work again.","start":802.025,"end":808.99,"sentiment":"neutral","sentiment_score":-0.23372966281714894},{"text":"Yep.","start":810.97,"end":811.47,"sentiment":"neutral","sentiment_score":0.0708291083574295},{"text":"Yeah.","start":814.41,"end":814.91,"sentiment":"neutral","sentiment_score":0.024538163095712665},{"text":"Yes.","start":817.37,"end":817.87,"sentiment":"neutral","sentiment_score":0.031078506261110302},{"text":"Yes.","start":827.70496,"end":828.20496,"sentiment":"neutral","sentiment_score":0.18107515573501587}],"sentiment":"neutral","sentiment_score":-0.18403207942843436,"num_words":25,"start":802.025,"end":828.20496},{"sentences":[{"text":"So on the the next document, the one after this one is pretty good because it shows you a little bit more on your investment.","start":828.345,"end":836.04,"sentiment":"neutral","sentiment_score":0.3063272392749786},{"text":"And then I can get up your contributions to how much has actually been put in as well because that one actually shows you just what the return on your investment.","start":837.22,"end":846.755,"sentiment":"neutral","sentiment_score":0.2337952861862798},{"text":"So it doesn't show you the the contribution.","start":846.755,"end":849.97504,"sentiment":"neutral","sentiment_score":0.09085021773353219},{"text":"It just shows you how much the return on your investment has been, which is the next document.","start":850.03503,"end":855.495,"sentiment":"neutral","sentiment_score":0.16051401529047224},{"text":"But I will get up how much you have contributed as well, and I can email that report to you.","start":856.03503,"end":860.93,"sentiment":"neutral","sentiment_score":0.22662257850170137}],"sentiment":"neutral","sentiment_score":0.2260229454978424,"num_words":102,"start":828.345,"end":860.93},{"sentences":[{"text":"Now just while we are just so you while you have the insurance in front of you, I'll just mention the income protection as well because the next document talks about your investment and breaking down that in in a little bit more easy detail for you.","start":862.99,"end":875.665,"sentiment":"neutral","sentiment_score":0.10332903606777495},{"text":"Okay?","start":875.665,"end":876.165,"sentiment":"neutral","sentiment_score":0.05607302859425545},{"text":"Yep.","start":877.265,"end":877.765,"sentiment":"neutral","sentiment_score":0.06684620678424835},{"text":"So you also have an income protection, and that is if you are temporarily unable to work.","start":877.825,"end":883.105,"sentiment":"neutral","sentiment_score":0.011459690902163},{"text":"Okay?","start":883.105,"end":883.605,"sentiment":"neutral","sentiment_score":0.055893175303936005}],"sentiment":"neutral","sentiment_score":0.07806107240603931,"num_words":67,"start":862.99,"end":883.605},{"sentences":[{"text":"And that is a monthly income replacement.","start":884.09,"end":887.15,"sentiment":"neutral","sentiment_score":0.0651727904166494},{"text":"Now at the moment, you would be paid out 3,355 per month if you can't work.","start":888.25,"end":896.25,"sentiment":"neutral","sentiment_score":0.020709579810500145},{"text":"Okay?","start":896.25,"end":896.75,"sentiment":"neutral","sentiment_score":0.07213270664215088},{"text":"Yep.","start":899.79504,"end":900.29504,"sentiment":"neutral","sentiment_score":0.17582254111766815},{"text":"You do have a ninety day waiting period, which means you have to wait the ninety days until you can start getting that payment.","start":900.515,"end":907.655,"sentiment":"neutral","sentiment_score":0.1343895240376393}],"sentiment":"neutral","sentiment_score":0.0869564619295451,"num_words":49,"start":884.09,"end":907.655},{"sentences":[{"text":"And you do have a two year benefit period, which means that you can be on claims for up to two year.","start":908.275,"end":914.39,"sentiment":"neutral","sentiment_score":0.2578755143013867},{"text":"Correct.","start":917.25,"end":917.75,"sentiment":"neutral","sentiment_score":0.2021675854921341},{"text":"Yeah.","start":917.81,"end":918.05,"sentiment":"neutral","sentiment_score":0.1647845357656479},{"text":"That is part of your insurance.","start":918.05,"end":919.35004,"sentiment":"neutral","sentiment_score":0.17409077535072962},{"text":"Now for all three, you pay after the tax rebate $1,941.","start":921.33,"end":930.115,"sentiment":"neutral","sentiment_score":0.145675352351232}],"sentiment":"neutral","sentiment_score":0.21188260887454197,"num_words":41,"start":908.275,"end":930.115},{"sentences":[{"text":"Okay?","start":930.115,"end":930.615,"sentiment":"neutral","sentiment_score":0.12921038269996643},{"text":"Do you have any other questions with your insurances before I move on to your super in a bit more detail?","start":936.035,"end":941.7,"sentiment":"neutral","sentiment_score":0.05674047235931669},{"text":"Are you happy with the level of cover?","start":942.08,"end":944.34,"sentiment":"neutral","sentiment_score":0.03972630016505718},{"text":"Yep.","start":946.64,"end":947.12,"sentiment":"neutral","sentiment_score":0.26093459129333496},{"text":"Okay.","start":947.12,"end":947.60004,"sentiment":"positive","sentiment_score":0.39986729621887207}],"sentiment":"neutral","sentiment_score":0.0718553934711963,"num_words":32,"start":930.115,"end":947.60004},{"sentences":[{"text":"Perfect.","start":947.60004,"end":948.10004,"sentiment":"positive","sentiment_score":0.5962342023849487},{"text":"So if you can click next for me, you should then have a performance.","start":948.4,"end":954.78503,"sentiment":"neutral","sentiment_score":0.2603469735809735},{"text":"Correct.","start":955.565,"end":956.065,"sentiment":"neutral","sentiment_score":0.09948480129241943},{"text":"Yeah.","start":956.445,"end":956.945,"sentiment":"neutral","sentiment_score":0.0726449191570282},{"text":"So this one here might look a little bit messy, especially if it's on your phone, but it basically breaks down all your investments over the last twelve months.","start":957.16504,"end":967.74,"sentiment":"neutral","sentiment_score":0.05140984951165216}],"sentiment":"neutral","sentiment_score":0.12835015627838994,"num_words":46,"start":947.60004,"end":967.74},{"sentences":[{"text":"So it shows you from 06/30/2025 till the 06/29/2026.","start":968.3,"end":977.2,"sentiment":"neutral","sentiment_score":0.08905533701181412},{"text":"Now you have all your individual investments.","start":977.98,"end":980.88,"sentiment":"neutral","sentiment_score":0.167094281741551},{"text":"You have how much you have in them, but you also have how much what the returns are on the individual investment.","start":981.18,"end":990.985,"sentiment":"neutral","sentiment_score":0.11954669383439151},{"text":"So if you wanna, for example, look at the return on each of them, if you look in the second column to the right, it should say internal rate of return.","start":991.685,"end":1003.4,"sentiment":"neutral","sentiment_score":0.11008280263312402},{"text":"Can you see that column?","start":1003.86,"end":1005.24,"sentiment":"neutral","sentiment_score":0.07929584681987763}],"sentiment":"neutral","sentiment_score":0.11365177547810851,"num_words":74,"start":968.3,"end":1005.24},{"sentences":[{"text":"Yes.","start":1007.62,"end":1008.12,"sentiment":"neutral","sentiment_score":0.2396724969148636},{"text":"That shows you how your investments have have done.","start":1008.435,"end":1011.335,"sentiment":"neutral","sentiment_score":0.22999307647761372},{"text":"Now, obviously, in the last twelve months, we have seen a bit of turbulence in the market, which I'm sure you've seen on the news and everything like that as well.","start":1011.395,"end":1019.255,"sentiment":"neutral","sentiment_score":-0.2300106279792324},{"text":"Obviously, everything in in The US have seen a bit of fluctuations with Trump and tariffs and everything, and, obviously, more recently with the war as well.","start":1019.47504,"end":1028.09,"sentiment":"neutral","sentiment_score":-0.2153682311375936},{"text":"So we have seen a bit of turbulence in the market.","start":1028.09,"end":1030.67,"sentiment":"neutral","sentiment_score":-0.3106561695987528}],"sentiment":"neutral","sentiment_score":-0.1778845492208117,"num_words":79,"start":1007.62,"end":1030.67},{"sentences":[{"text":"In saying that, though, you can see here that you only really have one investment that I would like to do more research and look at changing for you.","start":1032.17,"end":1035.47,"sentiment":"neutral","sentiment_score":-0.026562612760683585},{"text":"Slightly underperforming at the moment, so that one is down.","start":1046.995,"end":1050.295,"sentiment":"negative","sentiment_score":-0.534431791305542},{"text":"So what I would like to do after the call today, if you are happy for me to do so, is to draw the one that's twenty two three one because that one is down.","start":1050.61,"end":1065.6699,"sentiment":"neutral","sentiment_score":0.044894115307501384},{"text":"So that means it's neg negative.","start":1067.875,"end":1069.655,"sentiment":"neutral","sentiment_score":-0.030439794684449833},{"text":"So I wanna change that for you.","start":1070.275,"end":1072.4551,"sentiment":"neutral","sentiment_score":0.05187364694263254}],"sentiment":"neutral","sentiment_score":-0.05014784927426399,"num_words":87,"start":1032.17,"end":1072.4551},{"sentences":[{"text":"The top one, all the way to the top.","start":1074.035,"end":1076.2151,"sentiment":"neutral","sentiment_score":0.0322361903058158},{"text":"The the Benelon concentrated Australian equity is the one all the way at the top where it says managed funds.","start":1082.13,"end":1088.4701,"sentiment":"neutral","sentiment_score":0.026477755326777697},{"text":"That one.","start":1089.65,"end":1090.4701,"sentiment":"neutral","sentiment_score":0.031790101900696754},{"text":"Yes.","start":1090.8501,"end":1091.3501,"sentiment":"neutral","sentiment_score":0.1186792403459549},{"text":"I want to do put a proposal together and see if I can find a better option for that one because it is underperforming a little bit, and we wanna be proactive with your investment.","start":1093.3049,"end":1104.2849,"sentiment":"neutral","sentiment_score":0.07861591875553131}],"sentiment":"neutral","sentiment_score":0.05602234955043046,"num_words":67,"start":1074.035,"end":1104.2849},{"sentences":[{"text":"We don't wanna just leave you if there is one that's underperforming.","start":1104.745,"end":1107.965,"sentiment":"neutral","sentiment_score":-0.13016776771595082},{"text":"Okay?","start":1108.5049,"end":1109.0049,"sentiment":"neutral","sentiment_score":0.026465822011232376},{"text":"Yep.","start":1110.3201,"end":1110.8201,"sentiment":"neutral","sentiment_score":0.12663531303405762},{"text":"Now all the other investments you can see have done quite well given the market condition.","start":1111.12,"end":1117.7001,"sentiment":"neutral","sentiment_score":0.2059016046114266},{"text":"Now the one that you pointed, which was the 1.35, that one is your defensive.","start":1118.3201,"end":1123.765,"sentiment":"neutral","sentiment_score":0.02951583998898665}],"sentiment":"neutral","sentiment_score":0.05173891546825568,"num_words":45,"start":1104.745,"end":1123.765},{"sentences":[{"text":"So, naturally, that's not gonna grow as much because that's your your fixed interest.","start":1123.825,"end":1128.325,"sentiment":"neutral","sentiment_score":-0.017337102043841566},{"text":"Now you can see the one that that grows the most, they are like, you can see one of your investments, which is the Global X battery pack and lithium.","start":1129.025,"end":1138.2,"sentiment":"neutral","sentiment_score":0.1285338299969832},{"text":"That's 76%, which is pretty crazy.","start":1138.2,"end":1140.46,"sentiment":"neutral","sentiment_score":0.09061878671248753},{"text":"And then you can also have your silver.","start":1142.28,"end":1144.7,"sentiment":"neutral","sentiment_score":0.14955222979187965},{"text":"So you have some silver in your portfolio, which is up by 45%, which again is pretty crazy.","start":1144.76,"end":1150.14,"sentiment":"neutral","sentiment_score":0.13780774672826132}],"sentiment":"neutral","sentiment_score":0.1030784930396629,"num_words":76,"start":1123.825,"end":1150.14},{"sentences":[{"text":"And you also have one that is investing in in Asia.","start":1151.545,"end":1155.805,"sentiment":"neutral","sentiment_score":0.08229743790897456},{"text":"So 50 company in Asia, and that's about 65.","start":1155.865,"end":1159.4651,"sentiment":"neutral","sentiment_score":0.07726149840487374},{"text":"So overall, your portfolio has still gone up in the last twelve months, which is great.","start":1159.4651,"end":1165.7251,"sentiment":"positive","sentiment_score":0.6629050392657518},{"text":"Now if we're factoring in everything, it's up so we normally do it after fees to show you everything after fees.","start":1166.4801,"end":1175.3,"sentiment":"neutral","sentiment_score":0.15594225163970674},{"text":"It's still up by 5.33%, And that is even though you have the Benelon in your portfolio.","start":1176.0801,"end":1182.735,"sentiment":"neutral","sentiment_score":0.07626170922509011}],"sentiment":"neutral","sentiment_score":0.22673435502912145,"num_words":74,"start":1151.545,"end":1182.735},{"sentences":[{"text":"But like I said, what I want to do after the call today is that I want to put together a bit of a proposal to see if we can swap that one for something a little bit better that's going to give you a little bit more growth and put you in a bit of better position moving forward.","start":1183.4349,"end":1200.6901,"sentiment":"neutral","sentiment_score":0.0860152505338192},{"text":"Yep.","start":1202.3501,"end":1202.8501,"sentiment":"neutral","sentiment_score":0.26782965660095215},{"text":"Now when it actually comes through your portfolio, you can actually see here.","start":1203.79,"end":1211.995,"sentiment":"neutral","sentiment_score":0.08384268644910592},{"text":"So your market value at the start of the period, so on the 06/30/2025, it was at 81,656.","start":1211.995,"end":1223.87,"sentiment":"neutral","sentiment_score":0.05679322427345647},{"text":"Okay?","start":1224.3301,"end":1224.8301,"sentiment":"neutral","sentiment_score":0.03643094003200531}],"sentiment":"neutral","sentiment_score":0.08147751171422261,"num_words":93,"start":1183.4349,"end":1224.8301},{"sentences":[{"text":"Now end of market period, you can see 92,325.","start":1225.85,"end":1232.115,"sentiment":"neutral","sentiment_score":0.043440414799584284},{"text":"You can see here income in period.","start":1232.595,"end":1234.855,"sentiment":"neutral","sentiment_score":0.0563138664833137},{"text":"Now that is just income from your investment.","start":1235.075,"end":1237.395,"sentiment":"neutral","sentiment_score":0.05704349698498845},{"text":"So that is not you putting the money in.","start":1237.395,"end":1239.315,"sentiment":"neutral","sentiment_score":0.07644438578022851},{"text":"That is income from your investments alone is 2,197.","start":1239.315,"end":1245.175,"sentiment":"neutral","sentiment_score":0.09123930500613318}],"sentiment":"neutral","sentiment_score":0.06549195217944327,"num_words":42,"start":1225.85,"end":1245.175},{"sentences":[{"text":"And then growth in period is, again, for your investment only, that is 3,568.","start":1245.84,"end":1254.9,"sentiment":"neutral","sentiment_score":0.09999409530844007},{"text":"So total earnings from your investments alone is 5,766.","start":1255.36,"end":1263.3049,"sentiment":"neutral","sentiment_score":0.1198193555076917},{"text":"On top of that, you your employer put the money into super for you.","start":1264.1649,"end":1269.3049,"sentiment":"neutral","sentiment_score":0.05645727672215019},{"text":"So in the last twelve months let me see here.","start":1270.085,"end":1277.85,"sentiment":"neutral","sentiment_score":0.04775363430380821},{"text":"You've had about 8,485 put in from your employer to super in total.","start":1277.85,"end":1290.1951,"sentiment":"neutral","sentiment_score":0.05744279004060305}],"sentiment":"neutral","sentiment_score":0.07488310035939018,"num_words":60,"start":1245.84,"end":1290.1951},{"sentences":[{"text":"Eight thousand 408 85.","start":1293.055,"end":1295.7151,"sentiment":"neutral","sentiment_score":0.01242360332980752},{"text":"Yeah.","start":1295.775,"end":1296.275,"sentiment":"neutral","sentiment_score":0.01754002645611763},{"text":"For between the 07/01/2025 till till today.","start":1300.11,"end":1307.57,"sentiment":"neutral","sentiment_score":0.020147118451339856},{"text":"So, yes, basically.","start":1307.6299,"end":1308.61,"sentiment":"neutral","sentiment_score":0.015412599158783754},{"text":"Exact exactly.","start":1308.6699,"end":1309.6499,"sentiment":"neutral","sentiment_score":0.02464660443365574}],"sentiment":"neutral","sentiment_score":0.017870310310493496,"num_words":17,"start":1293.055,"end":1309.6499},{"sentences":[{"text":"Correct.","start":1309.7899,"end":1310.2899,"sentiment":"neutral","sentiment_score":0.09791956841945648},{"text":"Yes.","start":1310.6699,"end":1311.1699,"sentiment":"neutral","sentiment_score":0.09420996904373168},{"text":"So it's still done pretty good given the market.","start":1311.935,"end":1315.475,"sentiment":"neutral","sentiment_score":0.202564913365576},{"text":"Yep.","start":1317.535,"end":1318.035,"sentiment":"neutral","sentiment_score":0.0009616988245397806},{"text":"You started at 81,650 nine.","start":1320.255,"end":1324.355,"sentiment":"neutral","sentiment_score":0.0059610121883451935}],"sentiment":"neutral","sentiment_score":0.120351795148214,"num_words":17,"start":1309.7899,"end":1324.355},{"sentences":[{"text":"Correct.","start":1325.4801,"end":1325.9801,"sentiment":"neutral","sentiment_score":0.019726481288671497},{"text":"Thirty thirtieth of June twenty twenty five.","start":1327.64,"end":1331.26,"sentiment":"neutral","sentiment_score":0.01527885946312121},{"text":"Eighty one thousand six hundred and fifty nine.","start":1333.2401,"end":1335.9,"sentiment":"neutral","sentiment_score":0.017319251783192158},{"text":"Yes.","start":1338.0549,"end":1338.5549,"sentiment":"neutral","sentiment_score":0.03938880562782288},{"text":"Yes.","start":1344.375,"end":1344.875,"sentiment":"neutral","sentiment_score":0.0645454004406929}],"sentiment":"neutral","sentiment_score":0.02050926210358739,"num_words":18,"start":1325.4801,"end":1344.875},{"sentences":[{"text":"5 $7.06 6.","start":1346.1349,"end":1348.1549,"sentiment":"neutral","sentiment_score":0.06915778666734695},{"text":"Yeah.","start":1348.5349,"end":1349.0349,"sentiment":"neutral","sentiment_score":0.04621144384145737},{"text":"Yes.","start":1350.4299,"end":1350.9299,"sentiment":"neutral","sentiment_score":0.0945766419172287},{"text":"Yep.","start":1354.19,"end":1354.69,"sentiment":"neutral","sentiment_score":0.07303746044635773},{"text":"From your investments.","start":1354.75,"end":1355.6499,"sentiment":"neutral","sentiment_score":0.051380996902783714}],"sentiment":"neutral","sentiment_score":0.06393798854615954,"num_words":9,"start":1346.1349,"end":1355.6499},{"sentences":[{"text":"Yep.","start":1360.19,"end":1360.69,"sentiment":"neutral","sentiment_score":0.3295529782772064},{"text":"Yeah.","start":1361.23,"end":1361.71,"sentiment":"neutral","sentiment_score":0.16062086820602417},{"text":"But but like I said, what I'd like yeah.","start":1361.71,"end":1365.385,"sentiment":"neutral","sentiment_score":0.0361819788813591},{"text":"Yeah.","start":1366.965,"end":1367.465,"sentiment":"neutral","sentiment_score":0.22016099095344543},{"text":"Perfect.","start":1367.845,"end":1368.345,"sentiment":"positive","sentiment_score":0.39818423986434937}],"sentiment":"neutral","sentiment_score":0.11031976055640441,"num_words":13,"start":1360.19,"end":1368.345},{"sentences":[{"text":"But like I said, what I would like to do after today is that I would like to do a bit more in-depth on the investment, especially because, obviously, there's been a lot of changes in the world, and I wanna make sure that we have you in the best investments moving forward.","start":1369.205,"end":1382.14,"sentiment":"neutral","sentiment_score":0.2019167534022961},{"text":"So I will go and put together a proposal for you, and it doesn't cost any extra.","start":1382.68,"end":1387.24,"sentiment":"neutral","sentiment_score":0.2419517531114466},{"text":"It's all part of the the service to to look at if we need to make any changes.","start":1387.24,"end":1392.625,"sentiment":"neutral","sentiment_score":0.2021645228895876},{"text":"And then if I do recommend any, I will go through it with you in detail, and then you will let me know if you are happy with that or not.","start":1392.685,"end":1400.305,"sentiment":"neutral","sentiment_score":0.15340533011382626},{"text":"Yep.","start":1401.805,"end":1402.14,"sentiment":"neutral","sentiment_score":0.12090979516506196}],"sentiment":"neutral","sentiment_score":0.19441836811602115,"num_words":120,"start":1369.205,"end":1402.14},{"sentences":[{"text":"Now the next document, if you wanna click next in your email, is that your Vanguard index chart?","start":1403.42,"end":1410.3,"sentiment":"neutral","sentiment_score":0.09521369967195722},{"text":"It should be like a red graph.","start":1410.3,"end":1411.92,"sentiment":"neutral","sentiment_score":0.10271093036447253},{"text":"Yes.","start":1414.635,"end":1414.795,"sentiment":"neutral","sentiment_score":0.08828219771385193},{"text":"Okay.","start":1414.795,"end":1415.275,"sentiment":"neutral","sentiment_score":0.106719970703125},{"text":"So that one just talked about your interest again.","start":1415.275,"end":1417.775,"sentiment":"neutral","sentiment_score":0.13174713651339212}],"sentiment":"neutral","sentiment_score":0.10593193065789011,"num_words":36,"start":1403.42,"end":1417.775},{"sentences":[{"text":"But we've kind of already touched it, but it breaks it down in a little bit more information for you.","start":1417.8351,"end":1423.115,"sentiment":"neutral","sentiment_score":0.14071155078709124},{"text":"But it lets you know that everything is paid and and up to date with your insurances.","start":1423.115,"end":1427.375,"sentiment":"neutral","sentiment_score":0.21734028528718388},{"text":"Okay?","start":1427.595,"end":1428.095,"sentiment":"neutral","sentiment_score":0.11392336338758469},{"text":"Yep.","start":1429.6799,"end":1430.1799,"sentiment":"neutral","sentiment_score":0.15889081358909607},{"text":"Any questions with anything so far?","start":1430.8,"end":1433.62,"sentiment":"neutral","sentiment_score":0.1290168228248755}],"sentiment":"neutral","sentiment_score":0.16790957732333078,"num_words":45,"start":1417.8351,"end":1433.62},{"sentences":[{"text":"Yep.","start":1438.8,"end":1439.3,"sentiment":"neutral","sentiment_score":0.13254451751708984},{"text":"Yep.","start":1440.8151,"end":1441.3151,"sentiment":"positive","sentiment_score":0.3414900004863739},{"text":"Perfect.","start":1441.935,"end":1442.435,"sentiment":"neutral","sentiment_score":0.30306634306907654},{"text":"And if you wanna correct.","start":1442.895,"end":1445.795,"sentiment":"neutral","sentiment_score":-0.005065947584807873},{"text":"Sorry.","start":1446.495,"end":1446.975,"sentiment":"neutral","sentiment_score":-0.07920585572719574}],"sentiment":"neutral","sentiment_score":0.0747294741579228,"num_words":9,"start":1438.8,"end":1446.975},{"sentences":[{"text":"The Yes.","start":1446.975,"end":1448.675,"sentiment":"neutral","sentiment_score":-0.014950498938560486},{"text":"Correct.","start":1452.75,"end":1453.25,"sentiment":"neutral","sentiment_score":-0.027939537540078163},{"text":"It's after.","start":1456.8301,"end":1457.73,"sentiment":"neutral","sentiment_score":-0.050336698070168495},{"text":"After face.","start":1457.9501,"end":1458.67,"sentiment":"neutral","sentiment_score":-0.03307414148002863},{"text":"Yes.","start":1458.67,"end":1459.17,"sentiment":"neutral","sentiment_score":0.02136784046888351}],"sentiment":"neutral","sentiment_score":-0.025411796756088734,"num_words":8,"start":1446.975,"end":1459.17},{"sentences":[{"text":"Correct.","start":1460.99,"end":1461.49,"sentiment":"neutral","sentiment_score":0.04848092049360275},{"text":"Yes.","start":1462.11,"end":1462.61,"sentiment":"neutral","sentiment_score":0.03855308145284653},{"text":"Correct.","start":1464.43,"end":1464.93,"sentiment":"neutral","sentiment_score":0.06230673938989639},{"text":"Correct.","start":1466.3451,"end":1466.8251,"sentiment":"neutral","sentiment_score":0.07130847126245499},{"text":"Yes.","start":1466.8251,"end":1467.3251,"sentiment":"neutral","sentiment_score":0.05469013378024101}],"sentiment":"neutral","sentiment_score":0.05506786927580833,"num_words":5,"start":1460.99,"end":1467.3251},{"sentences":[{"text":"Yes.","start":1478.36,"end":1478.86,"sentiment":"neutral","sentiment_score":0.07320350408554077},{"text":"Yeah.","start":1509.6699,"end":1509.99,"sentiment":"neutral","sentiment_score":0.09123818576335908},{"text":"So after fees, it was 5.33.","start":1509.99,"end":1513.27,"sentiment":"neutral","sentiment_score":0.05695775399605433},{"text":"And I like to usually say after fees so you can see after everything.","start":1513.27,"end":1516.97,"sentiment":"neutral","sentiment_score":0.048527688054101806},{"text":"But correct.","start":1517.325,"end":1520.7849,"sentiment":"neutral","sentiment_score":-0.005842527374625208}],"sentiment":"neutral","sentiment_score":0.0489121163263917,"num_words":24,"start":1478.36,"end":1520.7849},{"sentences":[{"text":"That is that is, yeah, after fees.","start":1525.245,"end":1528.125,"sentiment":"neutral","sentiment_score":0.026927158502595767},{"text":"So that is what what's left after all fees.","start":1528.125,"end":1530.5249,"sentiment":"neutral","sentiment_score":0.013126791765292486},{"text":"Yes.","start":1530.5249,"end":1531.0249,"sentiment":"neutral","sentiment_score":0.25789427757263184},{"text":"For 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probably have seen something like this before.","start":1551.765,"end":1554.405,"sentiment":"neutral","sentiment_score":0.12634742673900393}],"sentiment":"neutral","sentiment_score":0.20716985154385661,"num_words":51,"start":1533.62,"end":1554.405},{"sentences":[{"text":"Vanguard does release one every single year, so they do to release the next one probably any day now.","start":1554.405,"end":1560.6,"sentiment":"neutral","sentiment_score":0.1573547595425656},{"text":"But, basically, what it is, it's just a good visual representation of what we are talking about when we're talking about the market and market fluctuations.","start":1561.22,"end":1569.96,"sentiment":"neutral","sentiment_score":0.169101642874571},{"text":"Now this one here goes from 1995 through through 2025, but it shows you all the ups and downs of the market.","start":1571.045,"end":1580.505,"sentiment":"neutral","sentiment_score":0.11996275355870073},{"text":"You can basically see that when we are looking long term, everything goes up.","start":1581.125,"end":1586.16,"sentiment":"neutral","sentiment_score":0.17238100059330463},{"text":"The short term, depending on what is happening in the world, there will be some of those ups and downs and market 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okay.","start":1611.99,"end":1612.7301,"sentiment":"neutral","sentiment_score":0.13496017456054688},{"text":"Hello?","start":1649.7949,"end":1650.2949,"sentiment":"neutral","sentiment_score":0.02471093460917473},{"text":"You can hear me?","start":1650.515,"end":1651.495,"sentiment":"neutral","sentiment_score":0.015091358218342066},{"text":"Yeah.","start":1652.0349,"end":1652.5349,"sentiment":"neutral","sentiment_score":0.08256278932094574},{"text":"Yeah.","start":1653.155,"end":1653.5549,"sentiment":"neutral","sentiment_score":0.2405452132225037}],"sentiment":"neutral","sentiment_score":0.07534496879412068,"num_words":9,"start":1611.99,"end":1653.5549},{"sentences":[{"text":"Beautiful.","start":1653.5549,"end":1654.0549,"sentiment":"positive","sentiment_score":0.35942310094833374},{"text":"Now if you can click next for me, you should now 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everything.","start":1737.18,"end":1741.04,"sentiment":"neutral","sentiment_score":0.2427633136510849}],"sentiment":"positive","sentiment_score":0.3400655511021614,"num_words":25,"start":1732.8151,"end":1741.04},{"sentences":[{"text":"Okay.","start":1743.5801,"end":1744.0801,"sentiment":"neutral","sentiment_score":0.009005830623209476},{"text":"Yes.","start":1746.955,"end":1747.355,"sentiment":"neutral","sentiment_score":0.060150787234306335},{"text":"Exactly.","start":1747.355,"end":1747.855,"sentiment":"neutral","sentiment_score":0.1118309646844864},{"text":"Now you have probably seen a couple of days before.","start":1748.315,"end":1751.855,"sentiment":"neutral","sentiment_score":0.08169025778770447},{"text":"It is just one of those compliance documents, but it does give you all the important 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ready.","start":1794.9299,"end":1798.1499,"sentiment":"neutral","sentiment_score":0.12726752566439764},{"text":"Yes.","start":1799.6499,"end":1800.1499,"sentiment":"neutral","sentiment_score":0.06644649803638458}],"sentiment":"neutral","sentiment_score":0.14367469541833433,"num_words":71,"start":1774.1151,"end":1800.1499},{"sentences":[{"text":"Now can you see where it says ongoing service agreement, half twenty four?","start":1800.5299,"end":1807.775,"sentiment":"neutral","sentiment_score":0.03979951644746157},{"text":"Consent to new ongoing fee arrangement.","start":1809.675,"end":1812.255,"sentiment":"neutral","sentiment_score":0.04761995250980059},{"text":"Can you see that one?","start":1813.275,"end":1814.5751,"sentiment":"neutral","sentiment_score":0.03698444813489914},{"text":"Correct.","start":1827.29,"end":1827.77,"sentiment":"neutral","sentiment_score":0.06346946209669113},{"text":"So there's no changes.","start":1827.77,"end":1829.15,"sentiment":"neutral","sentiment_score":-0.009984628530219197}],"sentiment":"neutral","sentiment_score":0.03488160750090048,"num_words":29,"start":1800.5299,"end":1829.15},{"sentences":[{"text":"Yeah.","start":1832.405,"end":1832.905,"sentiment":"neutral","sentiment_score":0.03878530487418175},{"text":"So when it comes to the ongoing fee, there for the next twelve months, there's no changes in the fee structure.","start":1833.2051,"end":1842.1051,"sentiment":"neutral","sentiment_score":0.07494854927062988},{"text":"So we're not increasing the fee or anything like that.","start":1842.71,"end":1845.27,"sentiment":"neutral","sentiment_score":0.0564259022474289},{"text":"It stays exactly the same as what you have paid, which is 1.65% from super.","start":1845.27,"end":1853.75,"sentiment":"neutral","sentiment_score":0.17266958753267925},{"text":"So you don't pay for anything out of pocket, but that is the fee ongoing form 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600.","start":1876.22,"end":1881.2001,"sentiment":"neutral","sentiment_score":0.0289368922156947},{"text":"Okay.","start":1883.02,"end":1883.42,"sentiment":"neutral","sentiment_score":0.08663774281740189}],"sentiment":"neutral","sentiment_score":0.0357710860831582,"num_words":46,"start":1862.125,"end":1883.42},{"sentences":[{"text":"Does that make sense?","start":1883.42,"end":1884.48,"sentiment":"neutral","sentiment_score":0.10890411213040352},{"text":"Yeah.","start":1885.5951,"end":1886.0751,"sentiment":"neutral","sentiment_score":0.30275505781173706},{"text":"Perfect.","start":1886.0751,"end":1886.5751,"sentiment":"neutral","sentiment_score":0.31586503982543945},{"text":"Now it's not a locking contract either, Jose.","start":1886.9551,"end":1889.355,"sentiment":"neutral","sentiment_score":-0.10464446758851409},{"text":"So if at any point in time you are not happy with the service, there is no locking 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next.","start":1905.62,"end":1910.9199,"sentiment":"neutral","sentiment_score":0.13113552331924438},{"text":"Yep.","start":1914.295,"end":1914.775,"sentiment":"neutral","sentiment_score":0.10626127570867538}],"sentiment":"neutral","sentiment_score":0.15338782935931877,"num_words":37,"start":1895.5951,"end":1914.775},{"sentences":[{"text":"Which should say option to provide tax file number.","start":1914.775,"end":1918.235,"sentiment":"neutral","sentiment_score":0.0967043290535609},{"text":"Sure.","start":1923.015,"end":1923.515,"sentiment":"neutral","sentiment_score":0.1418769359588623},{"text":"No.","start":1958.59,"end":1958.91,"sentiment":"neutral","sentiment_score":0.07909511029720306},{"text":"That's okay.","start":1958.91,"end":1959.73,"sentiment":"neutral","sentiment_score":0.1797642558813095},{"text":"Just so you know, basically, all that form is is to say that we are keeping your tax file number secure and safe on file.","start":1961.385,"end":1969.965,"sentiment":"neutral","sentiment_score":0.3149764710664749}],"sentiment":"neutral","sentiment_score":0.24540134989901594,"num_words":38,"start":1914.775,"end":1969.965},{"sentences":[{"text":"Yeah.","start":1972.505,"end":1973.005,"sentiment":"neutral","sentiment_score":0.20740848779678345},{"text":"Yeah.","start":1974.76,"end":1975.24,"sentiment":"neutral","sentiment_score":0.2010265290737152},{"text":"Exactly.","start":1975.24,"end":1975.74,"sentiment":"neutral","sentiment_score":0.24335436522960663},{"text":"So, basically, from here, if you are happy to do so, it will just ask you to add two signatures.","start":1976.52,"end":1983.8201,"sentiment":"neutral","sentiment_score":0.2606936551630497},{"text":"One will be on this tax file number form, and one will be on that ongoing service agreement.","start":1984.2001,"end":1990.185,"sentiment":"neutral","sentiment_score":0.2194766468471951}],"sentiment":"neutral","sentiment_score":0.23942053972221003,"num_words":41,"start":1972.505,"end":1990.185},{"sentences":[{"text":"And it will just ask you to add your your name, and then it should automatically add the date as well.","start":1990.245,"end":1998.025,"sentiment":"neutral","sentiment_score":0.23032718896865845},{"text":"Yep.","start":2001.86,"end":2002.36,"sentiment":"neutral","sentiment_score":0.11123447120189668},{"text":"Let me have a look.","start":2009.7001,"end":2010.74,"sentiment":"neutral","sentiment_score":0.09086601436138153},{"text":"Did it say validate or anything for you?","start":2010.74,"end":2013.24,"sentiment":"neutral","sentiment_score":0.061968773137778044},{"text":"Perfect.","start":2023.135,"end":2023.635,"sentiment":"positive","sentiment_score":0.3680696487426758}],"sentiment":"neutral","sentiment_score":0.17406264847765365,"num_words":36,"start":1990.245,"end":2023.635},{"sentences":[{"text":"Now sometimes it takes a little bit for it to come through, which is okay.","start":2023.775,"end":2028.195,"sentiment":"neutral","sentiment_score":0.09726250519355138},{"text":"I'll have a little look out for my emails to see if it comes through.","start":2029.35,"end":2032.07,"sentiment":"neutral","sentiment_score":0.1644091377655665},{"text":"We'll get all of that loaded and sorted for you.","start":2032.07,"end":2034.81,"sentiment":"neutral","sentiment_score":0.2550389364361763},{"text":"But like I said, Jose, I would like to do a bit more research on the investment to see if we need to make any changes, and it will take me about a week to put it all together for you.","start":2035.11,"end":2045.7649,"sentiment":"neutral","sentiment_score":0.0631737067568593},{"text":"So do you what's that?","start":2046.065,"end":2048.7048,"sentiment":"neutral","sentiment_score":-0.025952734425663947}],"sentiment":"neutral","sentiment_score":0.10390491062385399,"num_words":86,"start":2023.775,"end":2048.7048},{"sentences":[{"text":"Sorry?","start":2048.7048,"end":2049.2048,"sentiment":"neutral","sentiment_score":0.015996364876627922},{"text":"Yes.","start":2050.865,"end":2051.365,"sentiment":"neutral","sentiment_score":0.10107691586017609},{"text":"Now do you have any availability next week?","start":2051.9849,"end":2056.9648,"sentiment":"neutral","sentiment_score":0.054100590758025646},{"text":"Do you normally do you prefer mornings or afternoon?","start":2065.95,"end":2069.97,"sentiment":"neutral","sentiment_score":0.028895648817221325},{"text":"Okay.","start":2073.035,"end":2073.535,"sentiment":"neutral","sentiment_score":0.03496579825878143}],"sentiment":"neutral","sentiment_score":0.04224523222073913,"num_words":20,"start":2048.7048,"end":2073.535},{"sentences":[{"text":"I could do Tuesday the seventh at 9AM or no.","start":2074.9548,"end":2086.6301,"sentiment":"neutral","sentiment_score":0.01806982420384884},{"text":"No.","start":2086.6301,"end":2086.9502,"sentiment":"neutral","sentiment_score":-0.15320777893066406},{"text":"That's okay.","start":2086.9502,"end":2087.6702,"sentiment":"neutral","sentiment_score":0.002788193989545107},{"text":"I could do Tuesday the seventh at 4PM.","start":2087.6702,"end":2090.7302,"sentiment":"neutral","sentiment_score":0.04562537441961467},{"text":"Yes.","start":2093.03,"end":2093.4302,"sentiment":"neutral","sentiment_score":0.04368342459201813}],"sentiment":"neutral","sentiment_score":0.020079694137993185,"num_words":22,"start":2074.9548,"end":2093.4302},{"sentences":[{"text":"The seventh.","start":2093.4302,"end":2094.1702,"sentiment":"neutral","sentiment_score":0.036309679970145226},{"text":"Okay.","start":2096.565,"end":2097.045,"sentiment":"neutral","sentiment_score":0.28126007318496704},{"text":"Beautiful.","start":2097.045,"end":2097.545,"sentiment":"positive","sentiment_score":0.6153687238693237},{"text":"Well, that is all booked in on Tuesday, the seventh at 4PM.","start":2097.605,"end":2100.985,"sentiment":"neutral","sentiment_score":0.21026023601492247},{"text":"I will give you a call to kind of run through run through the research and if we wanna make any changes to your investments.","start":2101.285,"end":2108.025,"sentiment":"neutral","sentiment_score":0.17946203887462617}],"sentiment":"neutral","sentiment_score":0.1946078527082757,"num_words":41,"start":2093.4302,"end":2108.025},{"sentences":[{"text":"And, yeah, just leave that with me.","start":2109.56,"end":2111.5,"sentiment":"neutral","sentiment_score":0.15602542885712214},{"text":"No problem at all.","start":2113.4,"end":2114.2,"sentiment":"positive","sentiment_score":0.6461998075246811},{"text":"Thank you so much, and I hope you enjoy the rest of your afternoon, and I look forward to speaking with you week.","start":2114.2,"end":2118.46,"sentiment":"positive","sentiment_score":0.7627896238928256},{"text":"Okay.","start":2119.32,"end":2119.82,"sentiment":"positive","sentiment_score":0.35848718881607056},{"text":"Thanks.","start":2120.2,"end":2120.7,"sentiment":"positive","sentiment_score":0.545754611492157}],"sentiment":"positive","sentiment_score":0.6145938994983832,"num_words":36,"start":2109.56,"end":2120.7},{"sentences":[{"text":"Bye.","start":2120.84,"end":2121.34,"sentiment":"neutral","sentiment_score":-0.10847889631986618}],"sentiment":"neutral","sentiment_score":-0.10847889631986618,"num_words":1,"start":2120.84,"end":2121.34}]}}]},{"alternatives":[{"transcript":"To put it in there while talking on the phone, and we play together. Okay? Good, Veronica. How's it going? All good. All good. Take out the server. Yes. Yes. I supposed to get the appointment today. We called today. I apologize. Okay. I want to see if we are making money, we are not making money, how much money has been the money you got from my end the last year, and how much money we are making at the end of the day. Pretty much percentage. And if we are reaching what we have as a goal or if we are not, what we have to do. Okay. Okay. Yes. Erica Junker. Yes. Indeed. What is your phone number, darling? 04050405. 831 331. 648. 648 Yes. 648. I'm still as a client service manager. I don't know what is the income you have the last time. It's still the same. It's still the same. Yeah. The credit is 96 now. It's still the same. Manager. Client service manager. Yes. Pretty much. Yes. Yes. Ready? Yes. It's true. No. No. Put in the top. No. I'm not doing anything extra. It's putting no directions here. No. No. No. Sorry. Sorry. I talked to my son at the same time. It's the same. It's $3.20 now. No. No. No. Everything's good. I will? No. Yes. Is that correct? Yes. Yes. No. You need to go more than three. You'll take it from the top. No fire. Okay. Sorry. Oh, yeah, buddy. Yes. It's still the same. Yes. I hope so. Yes. Or is that is that my food? Yes. No. No. No. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait Yes. Yes. Yes. Will be the ideal. Yeah. Yeah. Okay. Yes. Go ahead. No. If we're the same than before, I don't wanna take a high risk because I don't wanna get the risk to lose all the money. So it can be a medium or lower. Yes. Dad. What? Okay. Yes. I think so. I'm not really looking the emails now, but we can go to to to figure. You know? You just tell me how much money I have been contribute so I know how much money is supposed to be in there and how much money we are making since then. Okay. Question for you. What which email did you send me the information? Okay. Give me a second. Veronica. Veronica. Okay. When did you send me the information? Just now is when you say you want the signature from me. Okay. I'm looking in there, like, a 20 okay. Let's go ahead. I can see from my phone anyway. Hey. No. Just go ahead. Go ahead. Yes. So the case says, system management insurance 2923. Yep. Okay. By today, we have 94,623. .Dt.d t dot. No. Okay. I'll just get Yep. Okay. Okay. Wait. Wait. Wait. Wait. Wait. Indeed. Sorry. I'm going to start to ask. Okay. The last insurance is 4,406 thousand dollars if I die. Okay. That's will be the money go to my family. What about the okay. What is the TPD? Okay. Okay. If it's a partial payment payment, it's going to no. No. No. No. But if it's past, it's going to be any cover or no? Just spot. That? I don't know. Like, sample, lose one arm. What happened? Is going to be any insurance covered in there or no? Okay. Okay. Before we continue, maybe you're going to tell me, Sarah. You said, sir, we have $94,000 at this point of time. How much money I have been what is your name? I still have the name. The money I shall be contributing. Okay. Okay. Okay. Okay. That is part of the insurance. Yes? Okay. Okay. Okay. Okay. I direct yeah. I think so. It's okay. Performers with IR. Okay. Yeah. Yeah. Are we talking the one who does make 1.35%? 20 two. Okay. Okay. Yeah. Yeah. Yeah. Okay. Okay. Please. Okay. Yes. Yes. Oh my gosh. It's so much. Yeah. Yeah. Okay. That sounds good. Dad. Yeah. Yep. Okay. What is it saying? 8,455. In the last year? In the last financial year. Yeah. Last financial. Yeah. Yeah. Okay. Okay. And how much more so I'm going to interrupt you now. How much money we start last year? Last year on the 2024 was 81000 and 59. I have been pulling $5,000. Okay. So yeah. Yeah. So pretty much the profit for the investment. I just say, for the investment, 5 $7.06 was the the profit in the year. Yep. 20 four '25 to 26 was yep. Okay. Yeah. That's good. And but let's go continue, and we'll talk at the end. Yep. Okay. Need us protection? Okay. I just see it today, so it's not going to be too much to see. Let me tell you. Okay. Done. Good. So everything has been already paid. Question for you. So bye. But I got the question. So from the profit, it's already taking the money from the insurance and for management? Or is after all the fees and the money. Okay. So already covering all all I have to cover. Okay. Okay. So we're talking about okay. Alright. I need to check. I I'd I'd like to check some numbers anyway. So 94,000. So we're making a profit of 6% PGA at the moment. So we are talking about the proper profit because anyway yes. I know I know you have to get some money, but you're just like, I just want to lose how much money. Like, I just give my six percent. Oh, that's good. That's good. Yeah. I can check. One minute. Wakeham. Hello, Wakeham. Can you hear me? Wakeham. Wakeham. Wakeham. Wakeham. Sorry. Hey, Wakeham. Good. Good. Tell me. Oh, yes. Yes. I have a chat with Angela today about it. So I need to organize that one with Thomas. Yeah. No worries. I talked to Amit. Not to probably any way starting from my next financial year. Absolutely. Going to start from the explanation here. Not going to happen tonight. All good. No worries. Thank you so much. Bye. Anyway, okay. Bye bye. Hello. Veronica, sir. I'm back with you again. Give me a second. Give me give me a second. Okay, Sophie. Because I ran in between working. I I yeah. Yeah. Yeah. Just oh, sorry. Sophie, give me another second. Please. Okay. Sorry. Sorry. I I I need to make it for now. You should. Hello, Veronica? Yes. I hear you. Sorry. Let me see. Don't let me go do that. So okay. Sorry. The charges just ask me to see. Yeah. I can see the variations. Is anything to do apart of the the yeah. What is happening in the world? It's it's not your fault. It is not in our control. It it is what it is. Okay. Okay. Okay. Okay. So next one is the old services guy. Yeah. I can see. This is the thing nobody reads. Yes. I already see you. Yes. Yeah. Yes. Done. Okay. C amount or estimated equivalent GST is 1.65 per annum. We're talking about six. Okay. Okay. Okay. Okay. Okay. Yep. Okay. No problem. Yes. Okay. Give me a second. Give me a minute, please. Sorry. Yeah. Everything keep the same. Yeah. I already did it in the record. Okay. The record is done. What's that? That sounds good. Sounds good. Yep. Give me a second. Give me a second. Give me a second next week. At what time? Which day or what time? Depends on what time in the morning. Depends on what time in the afternoon. No. No. I can't. On Tuesday? Done. Let's get to the level. Done. Okay. Thank you so much for your time. Thank you. Thank you. Thank you. 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put it in there while talking on the phone, and we play together. Okay? Good, Veronica. How's it going? All good.\n\nAll good. Take out the server. Yes. Yes. I supposed to get the appointment today.\n\nWe called today. I apologize. Okay. I want to see if we are making money, we are not making money, how much money has been the money you got from my end the last year, and how much money we are making at the end of the day. Pretty much percentage.\n\nAnd if we are reaching what we have as a goal or if we are not, what we have to do. Okay. Okay. Yes. Erica Junker.\n\nYes. Indeed. What is your phone number, darling? 04050405. 831 331.\n\n648. 648 Yes. 648. I'm still as a client service manager. I don't know what is the income you have the last time.\n\nIt's still the same. It's still the same. Yeah. The credit is 96 now. It's still the same.\n\nManager. Client service manager. Yes. Pretty much. Yes.\n\nYes. Ready? Yes. It's true. No.\n\nNo. Put in the top. No. I'm not doing anything extra. It's putting no directions here.\n\nNo. No. No. Sorry. Sorry.\n\nI talked to my son at the same time. It's the same. It's $3.20 now. No. No.\n\nNo. Everything's good. I will? No. Yes.\n\nIs that correct? Yes. Yes. No. You need to go more than three.\n\nYou'll take it from the top. No fire. Okay. Sorry. Oh, yeah, buddy.\n\nYes. It's still the same. Yes. I hope so. Yes.\n\nOr is that is that my food? Yes. No. No. No.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait Yes. Yes.\n\nYes. Will be the ideal. Yeah. Yeah. Okay.\n\nYes. Go ahead. No. If we're the same than before, I don't wanna take a high risk because I don't wanna get the risk to lose all the money. So it can be a medium or lower.\n\nYes. Dad. What? Okay. Yes.\n\nI think so. I'm not really looking the emails now, but we can go to to to figure. You know? You just tell me how much money I have been contribute so I know how much money is supposed to be in there and how much money we are making since then. Okay.\n\nQuestion for you. What which email did you send me the information? Okay. Give me a second. Veronica.\n\nVeronica. Okay. When did you send me the information? Just now is when you say you want the signature from me. Okay.\n\nI'm looking in there, like, a 20 okay. Let's go ahead. I can see from my phone anyway. Hey. No.\n\nJust go ahead. Go ahead. Yes. So the case says, system management insurance 2923. Yep.\n\nOkay. By today, we have 94,623. .Dt.d t dot. No. Okay.\n\nI'll just get Yep. Okay. Okay. Wait. Wait.\n\nWait. Wait. Wait. Indeed. Sorry.\n\nI'm going to start to ask. Okay. The last insurance is 4,406 thousand dollars if I die. Okay. That's will be the money go to my family.\n\nWhat about the okay. What is the TPD? Okay. Okay. If it's a partial payment payment, it's going to no.\n\nNo. No. No. But if it's past, it's going to be any cover or no? Just spot.\n\nThat? I don't know. Like, sample, lose one arm. What happened? Is going to be any insurance covered in there or no?\n\nOkay. Okay. Before we continue, maybe you're going to tell me, Sarah. You said, sir, we have $94,000 at this point of time. How much money I have been what is your name?\n\nI still have the name. The money I shall be contributing. Okay. Okay. Okay.\n\nOkay. That is part of the insurance. Yes? Okay. Okay.\n\nOkay. Okay. I direct yeah. I think so. It's okay.\n\nPerformers with IR. Okay. Yeah. Yeah. Are we talking the one who does make 1.35%?\n\n20 two. Okay. Okay. Yeah. Yeah.\n\nYeah. Okay. Okay. Please. Okay.\n\nYes. Yes. Oh my gosh. It's so much. Yeah.\n\nYeah. Okay. That sounds good. Dad. Yeah.\n\nYep. Okay. What is it saying? 8,455. In the last year?\n\nIn the last financial year. Yeah. Last financial. Yeah. Yeah.\n\nOkay. Okay. And how much more so I'm going to interrupt you now. How much money we start last year? Last year on the 2024 was 81000 and 59.\n\nI have been pulling $5,000. Okay. So yeah. Yeah. So pretty much the profit for the investment.\n\nI just say, for the investment, 5 $7.06 was the the profit in the year. Yep. 20 four '25 to 26 was yep. Okay. Yeah.\n\nThat's good. And but let's go continue, and we'll talk at the end. Yep. Okay. Need us protection?\n\nOkay. I just see it today, so it's not going to be too much to see. Let me tell you. Okay. Done.\n\nGood. So everything has been already paid. Question for you. So bye. But I got the question.\n\nSo from the profit, it's already taking the money from the insurance and for management? Or is after all the fees and the money. Okay. So already covering all all I have to cover. Okay.\n\nOkay. So we're talking about okay. Alright. I need to check. I I'd I'd like to check some numbers anyway.\n\nSo 94,000. So we're making a profit of 6% PGA at the moment. So we are talking about the proper profit because anyway yes. I know I know you have to get some money, but you're just like, I just want to lose how much money. Like, I just give my six percent.\n\nOh, that's good. That's good. Yeah. I can check. One minute.\n\nWakeham. Hello, Wakeham. Can you hear me? Wakeham. Wakeham.\n\nWakeham. Wakeham. Sorry. Hey, Wakeham. Good.\n\nGood. Tell me. Oh, yes. Yes. I have a chat with Angela today about it.\n\nSo I need to organize that one with Thomas. Yeah. No worries. I talked to Amit. Not to probably any way starting from my next financial year.\n\nAbsolutely. Going to start from the explanation here. Not going to happen tonight. All good. No worries.\n\nThank you so much. Bye. Anyway, okay. Bye bye. Hello.\n\nVeronica, sir. I'm back with you again. Give me a second. Give me give me a second. Okay, Sophie.\n\nBecause I ran in between working. I I yeah. Yeah. Yeah. Just oh, sorry.\n\nSophie, give me another second. Please. Okay. Sorry. Sorry.\n\nI I I need to make it for now. You should. Hello, Veronica? Yes. I hear you.\n\nSorry. Let me see. Don't let me go do that. So okay. Sorry.\n\nThe charges just ask me to see. Yeah. I can see the variations. Is anything to do apart of the the yeah. What is happening in the world?\n\nIt's it's not your fault. It is not in our control. It it is what it is. Okay. Okay.\n\nOkay. Okay. So next one is the old services guy. Yeah. I can see.\n\nThis is the thing nobody reads. Yes. I already see you. Yes. Yeah.\n\nYes. Done. Okay. C amount or estimated equivalent GST is 1.65 per annum. We're talking about six.\n\nOkay. Okay. Okay. Okay. Okay.\n\nYep. Okay. No problem. Yes. Okay.\n\nGive me a second. Give me a minute, please. Sorry. Yeah. Everything keep the same.\n\nYeah. I already did it in the record. Okay. The record is done. What's that?\n\nThat sounds good. Sounds good. Yep. Give me a second. Give me a second.\n\nGive me a second next week. At what time? Which day or what time? Depends on what time in the morning. Depends on what time in the afternoon.\n\nNo. No. I can't. On Tuesday? Done.\n\nLet's get to the level. Done. Okay. Thank you so much for your time. Thank you.\n\nThank you. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"To put it in there while talking on the phone, and we play together.","start":0.32,"end":2.72,"sentiment":"neutral","sentiment_score":0.11922504752874374},{"text":"Okay?","start":2.72,"end":3.22,"sentiment":"neutral","sentiment_score":0.06547191739082336},{"text":"Good, Veronica.","start":5.2799997,"end":6.1,"sentiment":"positive","sentiment_score":0.36150865256786346},{"text":"How's it going?","start":6.24,"end":7.14,"sentiment":"neutral","sentiment_score":0.2727287908395131},{"text":"All good.","start":11.679999,"end":12.42,"sentiment":"positive","sentiment_score":0.6044181883335114}],"sentiment":"neutral","sentiment_score":0.20384830168702386,"num_words":22,"start":0.32,"end":12.42},{"sentences":[{"text":"All good.","start":12.645,"end":14.025001,"sentiment":"positive","sentiment_score":0.5476326942443848},{"text":"Take out the 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my gosh.","start":1178.725,"end":1179.845,"sentiment":"neutral","sentiment_score":0.08372754355271657},{"text":"It's so much.","start":1179.845,"end":1180.745,"sentiment":"neutral","sentiment_score":0.0670114445189635},{"text":"Yeah.","start":1187.14,"end":1187.38,"sentiment":"neutral","sentiment_score":0.05264697223901749}],"sentiment":"neutral","sentiment_score":0.11570160794589254,"num_words":9,"start":1141.335,"end":1187.38},{"sentences":[{"text":"Yeah.","start":1187.38,"end":1187.88,"sentiment":"neutral","sentiment_score":0.055343158543109894},{"text":"Okay.","start":1201.325,"end":1201.825,"sentiment":"neutral","sentiment_score":0.17465445399284363},{"text":"That sounds 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year?","start":1293.14,"end":1294.04,"sentiment":"neutral","sentiment_score":0.011639757780358195}],"sentiment":"neutral","sentiment_score":0.02308329592712901,"num_words":11,"start":1232.555,"end":1294.04},{"sentences":[{"text":"In the last financial year.","start":1296.9,"end":1298.68,"sentiment":"neutral","sentiment_score":0.005814666673541069},{"text":"Yeah.","start":1307.955,"end":1308.195,"sentiment":"neutral","sentiment_score":0.011618712916970251},{"text":"Last 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81000 and 59.","start":1323.64,"end":1337.1749,"sentiment":"neutral","sentiment_score":0.010682085373749336}],"sentiment":"neutral","sentiment_score":0.030692020591733784,"num_words":29,"start":1309.395,"end":1337.1749},{"sentences":[{"text":"I have been pulling $5,000.","start":1337.235,"end":1340.195,"sentiment":"neutral","sentiment_score":0.04940158762037754},{"text":"Okay.","start":1340.195,"end":1340.695,"sentiment":"neutral","sentiment_score":0.08155767619609833},{"text":"So yeah.","start":1340.7549,"end":1341.1549,"sentiment":"neutral","sentiment_score":0.08603010699152946},{"text":"Yeah.","start":1341.1549,"end":1341.315,"sentiment":"neutral","sentiment_score":0.12433677911758424},{"text":"So pretty much the profit for the investment.","start":1341.315,"end":1343.4149,"sentiment":"neutral","sentiment_score":0.2211456373333931}],"sentiment":"neutral","sentiment_score":0.14083104153328083,"num_words":17,"start":1337.235,"end":1343.4149},{"sentences":[{"text":"I just say, for the investment, 5 $7.06 was the the profit in the year.","start":1344.195,"end":1353.44,"sentiment":"neutral","sentiment_score":0.08238792270421982},{"text":"Yep.","start":1353.44,"end":1353.94,"sentiment":"neutral","sentiment_score":0.1011526584625244},{"text":"20 four '25 to 26 was yep.","start":1354.48,"end":1358.96,"sentiment":"neutral","sentiment_score":0.05614578723907471},{"text":"Okay.","start":1358.96,"end":1359.44,"sentiment":"neutral","sentiment_score":0.14293023943901062},{"text":"Yeah.","start":1359.44,"end":1359.94,"sentiment":"neutral","sentiment_score":0.17874637246131897}],"sentiment":"neutral","sentiment_score":0.08206674486398696,"num_words":25,"start":1344.195,"end":1359.94},{"sentences":[{"text":"That's good.","start":1360.0,"end":1360.82,"sentiment":"positive","sentiment_score":0.35489557683467865},{"text":"And but let's go continue, and we'll talk at the 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you.","start":1438.1101,"end":1439.25,"sentiment":"neutral","sentiment_score":0.10646850988268852},{"text":"Okay.","start":1439.63,"end":1440.1101,"sentiment":"neutral","sentiment_score":0.2021338492631912},{"text":"Done.","start":1440.1101,"end":1440.51,"sentiment":"neutral","sentiment_score":0.3096199333667755}],"sentiment":"neutral","sentiment_score":0.13246231289072471,"num_words":22,"start":1428.515,"end":1440.51},{"sentences":[{"text":"Good.","start":1440.51,"end":1441.01,"sentiment":"positive","sentiment_score":0.44538071751594543},{"text":"So everything has been already paid.","start":1442.43,"end":1444.53,"sentiment":"neutral","sentiment_score":-0.00477982172742486},{"text":"Question for you.","start":1446.4149,"end":1447.5549,"sentiment":"neutral","sentiment_score":-0.03891078755259514},{"text":"So bye.","start":1448.0149,"end":1448.4149,"sentiment":"neutral","sentiment_score":-0.019664614461362362},{"text":"But I got the question.","start":1448.4149,"end":1449.5349,"sentiment":"neutral","sentiment_score":-0.020445819571614267}],"sentiment":"neutral","sentiment_score":0.009318299865459694,"num_words":17,"start":1440.51,"end":1449.5349},{"sentences":[{"text":"So from the profit, it's already taking the money from the insurance and for management?","start":1449.5349,"end":1455.475,"sentiment":"neutral","sentiment_score":-0.05122574269771576},{"text":"Or is after all the fees and the money.","start":1456.575,"end":1461.01,"sentiment":"neutral","sentiment_score":-0.005115293794208103},{"text":"Okay.","start":1461.01,"end":1461.51,"sentiment":"neutral","sentiment_score":0.03703545778989792},{"text":"So already covering all all I have to 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anyway.","start":1475.475,"end":1477.815,"sentiment":"neutral","sentiment_score":0.02008791345482071}],"sentiment":"neutral","sentiment_score":0.03202511721756309,"num_words":20,"start":1466.13,"end":1477.815},{"sentences":[{"text":"So 94,000.","start":1481.155,"end":1482.775,"sentiment":"neutral","sentiment_score":0.07115877978503704},{"text":"So we're making a profit of 6% PGA at the moment.","start":1504.145,"end":1507.765,"sentiment":"neutral","sentiment_score":0.25154735147953033},{"text":"So we are talking about the proper profit because anyway yes.","start":1516.76,"end":1519.88,"sentiment":"neutral","sentiment_score":0.0328051397068934},{"text":"I know I know you have to get some money, but you're just like, I just want to lose how much money.","start":1519.88,"end":1524.36,"sentiment":"neutral","sentiment_score":-0.19918140023946762},{"text":"Like, I just give my six 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Wakeham.","start":1611.27,"end":1612.09,"sentiment":"neutral","sentiment_score":0.011337382486090064},{"text":"Good.","start":1613.815,"end":1614.0549,"sentiment":"positive","sentiment_score":0.4426800012588501}],"sentiment":"neutral","sentiment_score":0.07378723305494835,"num_words":6,"start":1608.47,"end":1614.0549},{"sentences":[{"text":"Good.","start":1614.0549,"end":1614.2949,"sentiment":"positive","sentiment_score":0.42052915692329407},{"text":"Tell me.","start":1614.2949,"end":1620.395,"sentiment":"neutral","sentiment_score":0.2819618135690689},{"text":"Oh, yes.","start":1620.855,"end":1621.4149,"sentiment":"neutral","sentiment_score":0.09240270778536797},{"text":"Yes.","start":1621.4149,"end":1621.6549,"sentiment":"neutral","sentiment_score":0.06481841206550598},{"text":"I have a chat with Angela today about 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much.","start":1642.815,"end":1643.7949,"sentiment":"positive","sentiment_score":0.5463147759437561},{"text":"Bye.","start":1644.255,"end":1644.495,"sentiment":"neutral","sentiment_score":0.21797846257686615},{"text":"Anyway, okay.","start":1644.495,"end":1645.2949,"sentiment":"neutral","sentiment_score":0.14022371917963028},{"text":"Bye bye.","start":1645.2949,"end":1645.9349,"sentiment":"neutral","sentiment_score":0.11566075682640076},{"text":"Hello.","start":1645.9349,"end":1646.4349,"sentiment":"neutral","sentiment_score":0.03728611022233963}],"sentiment":"neutral","sentiment_score":0.2952292628586292,"num_words":10,"start":1642.815,"end":1646.4349},{"sentences":[{"text":"Veronica, sir.","start":1650.495,"end":1651.375,"sentiment":"neutral","sentiment_score":0.02860412187874317},{"text":"I'm back with you again.","start":1651.375,"end":1652.6749,"sentiment":"neutral","sentiment_score":0.0668022319674492},{"text":"Give me a 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sorry.","start":1664.14,"end":1664.78,"sentiment":"neutral","sentiment_score":-0.026803436999519665}],"sentiment":"neutral","sentiment_score":-0.022957543110741035,"num_words":14,"start":1661.34,"end":1664.78},{"sentences":[{"text":"Sophie, give me another second.","start":1664.78,"end":1666.24,"sentiment":"neutral","sentiment_score":-0.04542709589004516},{"text":"Please.","start":1667.42,"end":1667.92,"sentiment":"neutral","sentiment_score":-0.021366123110055923},{"text":"Okay.","start":1669.02,"end":1669.52,"sentiment":"neutral","sentiment_score":-0.03307735174894333},{"text":"Sorry.","start":1670.645,"end":1671.145,"sentiment":"neutral","sentiment_score":-0.0704253762960434},{"text":"Sorry.","start":1672.965,"end":1673.465,"sentiment":"neutral","sentiment_score":-0.10217179358005524}],"sentiment":"neutral","sentiment_score":-0.0504640137983693,"num_words":9,"start":1664.78,"end":1673.465},{"sentences":[{"text":"I I I need to make it for now.","start":1673.6849,"end":1675.785,"sentiment":"neutral","sentiment_score":-0.09038112726476458},{"text":"You should.","start":1677.525,"end":1678.345,"sentiment":"neutral","sentiment_score":-0.003137437626719475},{"text":"Hello, Veronica?","start":1701.395,"end":1702.215,"sentiment":"neutral","sentiment_score":0.005084480391815305},{"text":"Yes.","start":1704.995,"end":1705.3151,"sentiment":"neutral","sentiment_score":0.006404817570000887},{"text":"I hear you.","start":1705.3151,"end":1705.795,"sentiment":"neutral","sentiment_score":-0.005724532219270865}],"sentiment":"neutral","sentiment_score":-0.048253225820029486,"num_words":17,"start":1673.6849,"end":1705.795},{"sentences":[{"text":"Sorry.","start":1705.795,"end":1706.295,"sentiment":"neutral","sentiment_score":-0.03317253291606903},{"text":"Let me see.","start":1706.355,"end":1707.175,"sentiment":"neutral","sentiment_score":-0.021312294527888298},{"text":"Don't let me go do that.","start":1713.1799,"end":1714.64,"sentiment":"neutral","sentiment_score":-0.1591206913193067},{"text":"So okay.","start":1717.82,"end":1721.885,"sentiment":"neutral","sentiment_score":-0.006983587052673101},{"text":"Sorry.","start":1721.885,"end":1722.365,"sentiment":"neutral","sentiment_score":-0.057603348046541214}],"sentiment":"neutral","sentiment_score":-0.08641569896672781,"num_words":13,"start":1705.795,"end":1722.365},{"sentences":[{"text":"The charges just ask me to see.","start":1722.365,"end":1724.605,"sentiment":"neutral","sentiment_score":-0.069559388927051},{"text":"Yeah.","start":1724.605,"end":1724.845,"sentiment":"neutral","sentiment_score":-0.02167988568544388},{"text":"I can see the variations.","start":1724.845,"end":1725.9049,"sentiment":"neutral","sentiment_score":-0.019171491637825964},{"text":"Is anything to do apart of the the yeah.","start":1726.0449,"end":1728.2849,"sentiment":"neutral","sentiment_score":-0.05111138481232855},{"text":"What is happening in the world?","start":1728.2849,"end":1729.6449,"sentiment":"neutral","sentiment_score":-0.06452337404092152}],"sentiment":"neutral","sentiment_score":-0.051842706211443455,"num_words":28,"start":1722.365,"end":1729.6449},{"sentences":[{"text":"It's it's not your fault.","start":1729.6449,"end":1730.6849,"sentiment":"neutral","sentiment_score":-0.20825756192207337},{"text":"It is not in our control.","start":1730.6849,"end":1731.885,"sentiment":"neutral","sentiment_score":-0.296832541624705},{"text":"It it is what it is.","start":1731.885,"end":1733.1849,"sentiment":"neutral","sentiment_score":-0.20057458678881326},{"text":"Okay.","start":1735.37,"end":1735.87,"sentiment":"neutral","sentiment_score":-0.018668316304683685},{"text":"Okay.","start":1738.73,"end":1739.23,"sentiment":"neutral","sentiment_score":0.2699698507785797}],"sentiment":"neutral","sentiment_score":-0.19865416029566213,"num_words":19,"start":1729.6449,"end":1739.23},{"sentences":[{"text":"Okay.","start":1742.09,"end":1742.33,"sentiment":"neutral","sentiment_score":0.08759776502847672},{"text":"Okay.","start":1742.33,"end":1742.83,"sentiment":"neutral","sentiment_score":0.05625178664922714},{"text":"So next one is the old services guy.","start":1742.97,"end":1746.255,"sentiment":"neutral","sentiment_score":0.006286674179136753},{"text":"Yeah.","start":1761.66,"end":1762.14,"sentiment":"neutral","sentiment_score":0.04623374342918396},{"text":"I can see.","start":1762.14,"end":1763.18,"sentiment":"neutral","sentiment_score":0.04573036233584086}],"sentiment":"neutral","sentiment_score":0.026969126824821745,"num_words":14,"start":1742.09,"end":1763.18},{"sentences":[{"text":"This is the thing nobody reads.","start":1763.18,"end":1764.88,"sentiment":"neutral","sentiment_score":0.008890662963191668},{"text":"Yes.","start":1771.7401,"end":1772.2401,"sentiment":"neutral","sentiment_score":0.0987287610769272},{"text":"I already see you.","start":1781.405,"end":1782.785,"sentiment":"neutral","sentiment_score":0.09690011106431484},{"text":"Yes.","start":1782.845,"end":1783.345,"sentiment":"neutral","sentiment_score":0.16080479323863983},{"text":"Yeah.","start":1789.54,"end":1790.04,"sentiment":"neutral","sentiment_score":0.12069740891456604}],"sentiment":"neutral","sentiment_score":0.06316733732819557,"num_words":13,"start":1763.18,"end":1790.04},{"sentences":[{"text":"Yes.","start":1793.94,"end":1794.44,"sentiment":"neutral","sentiment_score":0.1513708531856537},{"text":"Done.","start":1798.42,"end":1798.92,"sentiment":"neutral","sentiment_score":0.10154008865356444},{"text":"Okay.","start":1813.725,"end":1814.225,"sentiment":"neutral","sentiment_score":0.0418851301074028},{"text":"C amount or estimated equivalent GST is 1.65 per annum.","start":1816.47,"end":1826.25,"sentiment":"neutral","sentiment_score":0.026012636441737413},{"text":"We're talking about six.","start":1827.75,"end":1829.21,"sentiment":"neutral","sentiment_score":-0.0030816001817584038}],"sentiment":"neutral","sentiment_score":0.03191741386099773,"num_words":17,"start":1793.94,"end":1829.21},{"sentences":[{"text":"Okay.","start":1832.635,"end":1833.135,"sentiment":"neutral","sentiment_score":0.05700758844614029},{"text":"Okay.","start":1842.875,"end":1843.375,"sentiment":"neutral","sentiment_score":0.10514463484287262},{"text":"Okay.","start":1862.8351,"end":1863.3351,"sentiment":"neutral","sentiment_score":0.05835852026939392},{"text":"Okay.","start":1876.22,"end":1876.72,"sentiment":"neutral","sentiment_score":0.04157394170761109},{"text":"Okay.","start":1881.9,"end":1882.4,"sentiment":"neutral","sentiment_score":0.07239043712615967}],"sentiment":"neutral","sentiment_score":0.06689502447843551,"num_words":5,"start":1832.635,"end":1882.4},{"sentences":[{"text":"Yep.","start":1884.7,"end":1885.2,"sentiment":"neutral","sentiment_score":0.14162681996822357},{"text":"Okay.","start":1903.72,"end":1904.12,"sentiment":"neutral","sentiment_score":0.0564446859061718},{"text":"No problem.","start":1904.12,"end":1904.94,"sentiment":"neutral","sentiment_score":0.1882459595799446},{"text":"Yes.","start":1913.2849,"end":1913.7849,"sentiment":"neutral","sentiment_score":0.11550097167491911},{"text":"Okay.","start":1920.325,"end":1920.725,"sentiment":"neutral","sentiment_score":0.09327980875968932}],"sentiment":"neutral","sentiment_score":0.13055736757814884,"num_words":6,"start":1884.7,"end":1920.725},{"sentences":[{"text":"Give me a second.","start":1920.725,"end":1921.7849,"sentiment":"neutral","sentiment_score":0.07713057659566402},{"text":"Give me a minute, please.","start":1925.0449,"end":1926.24,"sentiment":"neutral","sentiment_score":0.11318493634462357},{"text":"Sorry.","start":1957.4299,"end":1957.9299,"sentiment":"neutral","sentiment_score":0.0067408643662929535},{"text":"Yeah.","start":1971.595,"end":1972.095,"sentiment":"neutral","sentiment_score":0.19002366065979004},{"text":"Everything keep the same.","start":1972.715,"end":1974.015,"sentiment":"neutral","sentiment_score":0.21536163985729218}],"sentiment":"neutral","sentiment_score":0.12884387150406837,"num_words":15,"start":1920.725,"end":1974.015},{"sentences":[{"text":"Yeah.","start":2014.31,"end":2014.55,"sentiment":"neutral","sentiment_score":0.060081981122493744},{"text":"I already did it in the record.","start":2014.55,"end":2016.3301,"sentiment":"neutral","sentiment_score":0.07887617711509977},{"text":"Okay.","start":2020.9501,"end":2021.4501,"sentiment":"neutral","sentiment_score":0.14527085423469543},{"text":"The record is done.","start":2021.51,"end":2022.5701,"sentiment":"neutral","sentiment_score":0.18371593579649925},{"text":"What's that?","start":2045.9099,"end":2046.8099,"sentiment":"neutral","sentiment_score":-0.011522989487275481}],"sentiment":"neutral","sentiment_score":0.09795358929162225,"num_words":15,"start":2014.31,"end":2046.8099},{"sentences":[{"text":"That sounds good.","start":2049.19,"end":2050.15,"sentiment":"neutral","sentiment_score":0.3052990436553955},{"text":"Sounds good.","start":2050.15,"end":2050.63,"sentiment":"neutral","sentiment_score":0.32836054265499115},{"text":"Yep.","start":2050.63,"end":2051.13,"sentiment":"neutral","sentiment_score":0.15001295506954193},{"text":"Give me a second.","start":2057.91,"end":2058.97,"sentiment":"neutral","sentiment_score":0.04802950844168663},{"text":"Give me a second.","start":2059.695,"end":2060.495,"sentiment":"neutral","sentiment_score":0.06010826025158167}],"sentiment":"neutral","sentiment_score":0.15394158900848456,"num_words":14,"start":2049.19,"end":2060.495},{"sentences":[{"text":"Give me a second next week.","start":2060.495,"end":2062.0352,"sentiment":"neutral","sentiment_score":0.0753430500626564},{"text":"At what time?","start":2063.2952,"end":2064.195,"sentiment":"neutral","sentiment_score":0.03104281798005104},{"text":"Which day or what time?","start":2066.175,"end":2067.5552,"sentiment":"neutral","sentiment_score":0.022361202538013457},{"text":"Depends on what time in the morning.","start":2070.895,"end":2072.335,"sentiment":"neutral","sentiment_score":0.024114261248282025},{"text":"Depends on what time in the afternoon.","start":2072.335,"end":2073.7952,"sentiment":"neutral","sentiment_score":0.026925210707954}],"sentiment":"neutral","sentiment_score":0.036223895382136106,"num_words":28,"start":2060.495,"end":2073.7952},{"sentences":[{"text":"No.","start":2085.1501,"end":2085.4702,"sentiment":"neutral","sentiment_score":-0.1043812334537506},{"text":"No.","start":2085.4702,"end":2085.6301,"sentiment":"neutral","sentiment_score":-0.332052081823349},{"text":"I can't.","start":2085.6301,"end":2086.29,"sentiment":"negative","sentiment_score":-0.345170721411705},{"text":"On Tuesday?","start":2091.545,"end":2092.365,"sentiment":"neutral","sentiment_score":0.028799443505704403},{"text":"Done.","start":2094.825,"end":2095.145,"sentiment":"neutral","sentiment_score":0.15051594376564026}],"sentiment":"neutral","sentiment_score":-0.13123713247478008,"num_words":7,"start":2085.1501,"end":2095.145},{"sentences":[{"text":"Let's get to the level.","start":2095.145,"end":2096.125,"sentiment":"neutral","sentiment_score":0.1139743447303772},{"text":"Done.","start":2101.305,"end":2101.805,"sentiment":"neutral","sentiment_score":0.10851280391216278},{"text":"Okay.","start":2111.06,"end":2111.54,"sentiment":"neutral","sentiment_score":0.3301352262496948},{"text":"Thank you so much for your time.","start":2111.54,"end":2113.1602,"sentiment":"positive","sentiment_score":0.7696059601647514},{"text":"Thank you.","start":2117.1409,"end":2117.8008,"sentiment":"positive","sentiment_score":0.6276906728744507}],"sentiment":"positive","sentiment_score":0.478196426294744,"num_words":16,"start":2095.145,"end":2117.8008},{"sentences":[{"text":"Thank you.","start":2118.3408,"end":2118.981,"sentiment":"positive","sentiment_score":0.5910046994686127},{"text":"Thank you.","start":2119.461,"end":2120.181,"sentiment":"positive","sentiment_score":0.5445581674575806},{"text":"Bye bye.","start":2120.181,"end":2120.921,"sentiment":"neutral","sentiment_score":0.27895037829875946}],"sentiment":"positive","sentiment_score":0.47150441507498425,"num_words":6,"start":2118.3408,"end":2120.921}]}}]}],"paragraphs":{"transcript":"\nChannel 1: To put it in there while talking on the phone, and we\n\nChannel 0: Good\n\nChannel 1: play together.\n\nChannel 0: afternoon.\n\nChannel 1: Okay?\n\nChannel 0: This is Franca speaking. How are you?\n\nChannel 1: Good, Veronica. How's it going?\n\nChannel 0: Yeah. I'm good. Thanks. Thanks for calling me back.\n\nChannel 1: All good. All good.\n\nChannel 0: I had you booked in to go over your annual review.\n\nChannel 1: Take\n\nChannel 0: Is now\n\nChannel 1: out\n\nChannel 0: still a\n\nChannel 1: the\n\nChannel 0: good\n\nChannel 1: server.\n\nChannel 0: time for you?\n\nChannel 1: Yes. Yes. I supposed\n\nChannel 0: Yes.\n\nChannel 1: to get the appointment today. We called today. I apologize.\n\nChannel 0: Yes. Perfect. Now before I do kind of jump into things with the interview, I do like to start by asking if there is anything specific that you are wanting me to focus a little bit more on today, or do you have any particular questions, or just a bit of an update and kind of see where everything is up to?\n\nChannel 1: Okay. I want to see if we are making money, we are not making money,\n\nChannel 0: Mhmm.\n\nChannel 1: how much money has been the money you got from my end the last\n\nChannel 0: Mhmm.\n\nChannel 1: year, and how much money we are making at the end of the day.\n\nChannel 0: Yep.\n\nChannel 1: Pretty much percentage. And if we are reaching what we have as a goal or if\n\nChannel 0: Mhmm.\n\nChannel 1: we are not, what we have to do.\n\nChannel 0: Yep. Okay. Perfect. No. We can definitely go through that in a bit more detail today.\n\nNow what I will do first, Jose, is just to go through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life as well, if we need to also factor that in, if we need to make any changes to your advice. So just kind of bear with me as I go through this information, and I'll try to make it quick for you.\n\nChannel 1: Okay. Okay.\n\nChannel 0: When it comes to your personal information, I have you down here as married with financial dependents. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. Now I don't actually have a next of kin on file for you. Do you have someone that you would like to nominate and that is simply\n\nChannel 1: Erica\n\nChannel 0: just in\n\nChannel 1: Junker.\n\nChannel 0: error? Okay. Perfect. Same and that was the same last name as yourself, did you say?\n\nChannel 1: Yes. Indeed.\n\nChannel 0: Yep. Perfect. And best phone number?\n\nChannel 1: What is your phone number, darling? 04050405. 831\n\nChannel 0: Yes.\n\nChannel 1: 331. 648.\n\nChannel 0: 33.\n\nChannel 1: 648 Yes. 648.\n\nChannel 0: Perfect. Thank you so much.\n\nChannel 1: I'm\n\nChannel 0: Occupation wise, has anything changed, or what are you kind of up to at the moment?\n\nChannel 1: still as a client service manager. I don't know what is the income you have the last time.\n\nChannel 0: I have 95. Is that still the same?\n\nChannel 1: It's still the same. It's still the same.\n\nChannel 0: Still\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: The credit\n\nChannel 0: same.\n\nChannel 1: is\n\nChannel 0: Okay.\n\nChannel 1: 96 now. It's still the\n\nChannel 0: Okay.\n\nChannel 1: same.\n\nChannel 0: Okay. Perfect. Now so sorry. Did you say it was a client\n\nChannel 1: Manager.\n\nChannel 0: service officer? Is that the title? Sorry.\n\nChannel 1: Client service manager.\n\nChannel 0: Client service manager. Beautiful. And is that mainly office space?\n\nChannel 1: Yes. Pretty much. Yes.\n\nChannel 0: Yes. Yeah. Perfect. And you work full time as well?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Great. Now when it comes to superannuation,\n\nChannel 1: Ready?\n\nChannel 0: I I have here that they pay you that standard 12% contribution into super. That's still the case. There's no changes in regards to any of\n\nChannel 1: Yes.\n\nChannel 0: that?\n\nChannel 1: It's\n\nChannel 0: Yep.\n\nChannel 1: true.\n\nChannel 0: Perfect. And you don't make any additional contributions? Is that from your\n\nChannel 1: No.\n\nChannel 0: employer?\n\nChannel 1: No. Put in the top. No. I'm not doing anything extra. It's putting no\n\nChannel 0: Yep.\n\nChannel 1: directions here.\n\nChannel 0: No. That's all good.\n\nChannel 1: No. No. No.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry. Sorry. I talked to my son at the same time.\n\nChannel 0: No. That's okay. That's all good. Asset and liability wise, I have here that you own a property, and last time, it was valued at about 450,000. Do you know\n\nChannel 1: It's\n\nChannel 0: if that's still\n\nChannel 1: the\n\nChannel 0: roughly\n\nChannel 1: same.\n\nChannel 0: the case? The same. Perfect. And mortgage about $3.30.\n\nChannel 1: It's $3.20 now.\n\nChannel 0: $3.20. Okay. Perfect. Now do you have any other assets, any motor, bikes,\n\nChannel 1: No.\n\nChannel 0: motor\n\nChannel 1: No.\n\nChannel 0: no. Perfect. And health and lifestyle? Still a nonsmoker, and everything's going good health wise?\n\nChannel 1: No. Everything's good.\n\nChannel 0: Perfect. And when it comes to estate planning, do you guys have a will in place?\n\nChannel 1: I will? No. Yes.\n\nChannel 0: No. No. That's okay. And I do have here that for your, beneficiary, so in the event that something were to happen to you, I have, 40% going to Erica, 30% to Phoenix, and 30% to Zion. Is that still correct\n\nChannel 1: Is that\n\nChannel 0: as\n\nChannel 1: correct?\n\nChannel 0: well?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect.\n\nChannel 1: No. You\n\nChannel 0: Thank\n\nChannel 1: need\n\nChannel 0: you\n\nChannel 1: to go\n\nChannel 0: so much.\n\nChannel 1: more than three. You'll take it from the top. No fire.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Sorry.\n\nChannel 0: no. No. That's okay. I get\n\nChannel 1: Oh,\n\nChannel 0: it.\n\nChannel 1: yeah, buddy.\n\nChannel 0: Now I guess goals for stuff that you are working towards or that you are wanting to achieve, usually doing under good as a bit of a check-in to see how everything is going and setting some goals for the next twelve months. I have here that last time we spoke to you, your main focus was to kind of just paying down the mortgage. Is that still kind of your primary\n\nChannel 1: Yes.\n\nChannel 0: financial goal, would you say?\n\nChannel 1: It's still the same.\n\nChannel 0: Still the same. Okay. And when it comes to superannuation, I have here that you ideally would like to retire at 65. Is that\n\nChannel 1: Yes.\n\nChannel 0: still kind of on track? Yep.\n\nChannel 1: I hope\n\nChannel 0: And I\n\nChannel 1: so.\n\nChannel 0: do\n\nChannel 1: Yes.\n\nChannel 0: yeah. And, ideally, wanna draw an income of about 1,500\n\nChannel 1: Or\n\nChannel 0: per\n\nChannel 1: is that\n\nChannel 0: week,\n\nChannel 1: is that my\n\nChannel 0: like,\n\nChannel 1: food?\n\nChannel 0: for yourself?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Perfect. Now\n\nChannel 1: No.\n\nChannel 0: what\n\nChannel 1: No. No.\n\nChannel 0: I\n\nChannel 1: Wait. Wait.\n\nChannel 0: will\n\nChannel 1: Wait.\n\nChannel 0: do\n\nChannel 1: Wait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait. Wait. Wait. Wait. Wait.\n\nWait\n\nChannel 0: so it was just your goals. So when you do decide to retire, so let's say 65, and you want to start drawing an income from super, an amount that you think would be sufficient for your lifestyle expenses and everything like that\n\nChannel 1: Yes.\n\nChannel 0: on a weekly basis. So I have here that ideally and, obviously, things can change depending on what your situation is when you retire, still a while away.\n\nChannel 1: Yes.\n\nChannel 0: But at the moment that you are hoping to draw a weekly income of about $1,500 per week.\n\nChannel 1: Yes.\n\nChannel 0: Do you think that\n\nChannel 1: Will\n\nChannel 0: would still\n\nChannel 1: be\n\nChannel 0: kind\n\nChannel 1: the\n\nChannel 0: of cover\n\nChannel 1: ideal. Yeah.\n\nChannel 0: yep.\n\nChannel 1: Yeah.\n\nChannel 0: I did. Great. Perfect. Now the next thing I do wanna quickly run through there with you, it is just a bit of an updated risk profile questionnaire. It is pretty straightforward, in that it is multiple choice, and there's no right or wrong answer.\n\nIt's just whatever you feel is the most appropriate for you. And I\n\nChannel 1: Okay.\n\nChannel 0: do understand that some of them is a little bit tricky because it's all, like, hype hypothetical. So if it doesn't make sense, just let me know. But it's just with whatever aligns the most with you. Does that make sense?\n\nChannel 1: Yes. Go ahead.\n\nChannel 0: Yep. Yep. Perfect. Now, Jose, have you ever bought direct shares yourself? Direct shares.\n\nLike, have you bought stocks on the stock market or\n\nChannel 1: No.\n\nChannel 0: anything like that? No. Perfect. And when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept\n\nChannel 1: If we're the same than before, I don't wanna take a high risk because I don't\n\nChannel 0: Okay.\n\nChannel 1: wanna get the risk to lose all the money. So\n\nChannel 0: Yes.\n\nChannel 1: it can be a medium or lower.\n\nChannel 0: Yes. Okay. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Now you are kind of in that that process. So if you are happy with so at the moment, you are in a growth portfolio. What that basically means is that you are looking at getting as much growth out of your super while you have plenty of time until retirement and that you understand that there will be some short term fluctuations in order to grow your super. Now when it comes through how your money is invested, we see 80% invested in what we call your growth investment. Now this\n\nChannel 1: Dad.\n\nChannel 0: would be things like property Australian shares and international shares, which is going to grow that super for you.\n\nChannel 1: What?\n\nChannel 0: But at the same time, we don't wanna be, you know, super high high risk either. So we do have 20% in defensive, and that is to limit those fluctuations a little bit. And we we typically see, like, your old, your fixed interest, and your cash in in this proportion. Now when we are also talking about a time frame, so making sure you have enough time in the market for those fluctuations to come back around, We want to see ideally six years until retirement. So from a time frame point of view, you you have more than that, so you are in a good position from a time frame.\n\nIf you are happy with, like, the same level of risk. So not taking any more risk is kind of the same level of that growth portfolio.\n\nChannel 1: Okay.\n\nChannel 0: Would you be happy in a growth portfolio?\n\nChannel 1: Yes. I think so.\n\nChannel 0: Okay. Yep. Now what we will go through next is the your question. So it's going a bit more into your superannuation where things are at. So do you have access to your emails at all for me, or is it a bit busy right now?\n\nChannel 1: I'm not really looking the emails now,\n\nChannel 0: No.\n\nChannel 1: but\n\nChannel 0: That's\n\nChannel 1: we\n\nChannel 0: okay.\n\nChannel 1: can go to to to figure. You know? You just tell me how much money I\n\nChannel 0: Yes.\n\nChannel 1: have been\n\nChannel 0: Yep.\n\nChannel 1: contribute so I know\n\nChannel 0: Yes.\n\nChannel 1: how much money is supposed to be in there and how much money we are making since\n\nChannel 0: Yes. Okay.\n\nChannel 1: then.\n\nChannel 0: Perfect. So what I have done for later when you have a bit more time, I have sent you an email for you to review. Now I will go through what's in that email with you now briefly. And then when you have a bit more time later, you can go and have a look at it. And if you then have any questions, you can let me know.\n\nOkay?\n\nChannel 1: Okay. Question for you. What\n\nChannel 0: Yep.\n\nChannel 1: which email did you send me the information?\n\nChannel 0: So I send it to Colombiancommander@Gmail.com.\n\nChannel 1: Okay. Give me a second.\n\nChannel 0: Yeah. And\n\nChannel 1: Veronica.\n\nChannel 0: it could also\n\nChannel 1: Veronica.\n\nChannel 0: yes. That's me. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: When did you send me the information? Just now is when you say you want the signature from me.\n\nChannel 0: Yeah. So when you click on the email where it says request signature, when you click on it, it will actually open up all the documents that you can\n\nChannel 1: Okay.\n\nChannel 0: have a\n\nChannel 1: I'm\n\nChannel 0: look\n\nChannel 1: looking\n\nChannel 0: at.\n\nChannel 1: in there, like, a 20 okay. Let's go ahead. I can see\n\nChannel 0: Okay.\n\nChannel 1: from my phone anyway.\n\nChannel 0: Okay.\n\nChannel 1: Hey. No. Just go ahead. Go ahead.\n\nChannel 0: Okay. Perfect. Perfect. Now can you see the first document there, which\n\nChannel 1: Yes.\n\nChannel 0: should say super and insurance\n\nChannel 1: So the case\n\nChannel 0: summary.\n\nChannel 1: says, system management insurance 2923.\n\nChannel 0: Now yes. So you can see here that you have your superannuation with Hub twenty four. And at the moment, you have\n\nChannel 1: Yep.\n\nChannel 0: $94,623 in there. Okay?\n\nChannel 1: Okay. By today, we have 94,623. .Dt.d\n\nChannel 0: Correct.\n\nChannel 1: t\n\nChannel 0: Yes. As of yesterday.\n\nChannel 1: dot.\n\nChannel 0: Yes.\n\nChannel 1: No. Okay. I'll\n\nChannel 0: Yep. Now underneath it, you can see your insurances.\n\nChannel 1: just get Yep.\n\nChannel 0: So when it comes to your insurances, you have life and TPD and income protection with Neon. Now for your\n\nChannel 1: Okay.\n\nChannel 0: life\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Wait. Wait. Wait. Wait. Wait.\n\nIndeed. Sorry. I'm going to start to ask. Okay. The last insurance is 4,406 thousand dollars if I die.\n\nChannel 0: correct. 406,712.\n\nChannel 1: Okay. That's will be the money go to my family.\n\nChannel 0: Correct.\n\nChannel 1: What about the okay. What is the TPD?\n\nChannel 0: CPD? Yep. So that is if something were to happen to you and you were to become totally and permanently disabled and you can never go back to work again, that would then be payout to assist you with medical expenses and also because you can't work. So it's assisting with kind of income\n\nChannel 1: Okay.\n\nChannel 0: because you can never work again.\n\nChannel 1: Okay. If it's a partial payment payment,\n\nChannel 0: Yes. Permanent.\n\nChannel 1: it's going\n\nChannel 0: Total\n\nChannel 1: to\n\nChannel 0: permanent\n\nChannel 1: no.\n\nChannel 0: disability.\n\nChannel 1: No. No. No. But if it's past, it's going to be any cover or no?\n\nChannel 0: If it's what? Sorry.\n\nChannel 1: Just spot. That? I don't know. Like, sample, lose one arm. What happened?\n\nIs going\n\nChannel 0: Yes.\n\nChannel 1: to be any insurance covered in there or no?\n\nChannel 0: It will be depend if you can work. So if you can if you can do your work so if you can work at anything that you're qualified in, then it's not gonna be paid out because you need to have two doctors to say you can't work. But if you need, let's say, your arm to do your work and you cannot do your occupation without it, then yes. So it's basically if something were to happen to you in illness or accidents or anything, and you cannot\n\nChannel 1: Okay.\n\nChannel 0: work again.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Before we continue, maybe you're going to tell me, Sarah. You said, sir, we\n\nChannel 0: Yeah.\n\nChannel 1: have $94,000 at this point of time. How much\n\nChannel 0: Yes.\n\nChannel 1: money I have been what is your name? I still have the name. The money I shall be contributing.\n\nChannel 0: Yes. So on the the next document, the one after this one is pretty good because it shows you a little bit more on your investment. And then I can get up your contributions to how much has actually been put in as well because that one actually shows you just what the return on your investment. So it doesn't show you the the contribution. It just shows you how much the return on your investment has been, which is the next document.\n\nBut I will get up how much you have contributed as well, and I can email that report to you.\n\nChannel 1: Okay.\n\nChannel 0: Now just while we are just so you while you have the insurance in front of you, I'll just mention the income protection as well because the next document talks about your investment and breaking down that in in a little bit more easy detail for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. So you also have an income protection, and that is if you are temporarily unable to work. Okay? And that is a monthly income replacement. Now at the moment, you would be paid out 3,355 per month if you can't work.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Yep. You do have a ninety day waiting period, which means you have to wait the ninety days until\n\nChannel 1: Okay.\n\nChannel 0: you can start getting that payment. And you do have a two year benefit period, which means that you can be on claims for up to two year.\n\nChannel 1: That is part of the insurance. Yes?\n\nChannel 0: Correct. Yeah. That\n\nChannel 1: Okay.\n\nChannel 0: is part of your insurance.\n\nChannel 1: Okay.\n\nChannel 0: Now for all three, you pay after the tax rebate $1,941. Okay?\n\nChannel 1: Okay. Okay.\n\nChannel 0: Do you have any other questions with your insurances before I move on to your super in a bit more detail? Are\n\nChannel 1: I\n\nChannel 0: you happy\n\nChannel 1: direct\n\nChannel 0: with the level of cover?\n\nChannel 1: yeah. I think so. It's okay.\n\nChannel 0: Yep. Okay. Perfect. So if you can click next for me, you should then have a\n\nChannel 1: Performers with\n\nChannel 0: performance.\n\nChannel 1: IR.\n\nChannel 0: Correct. Yeah. So this one here might look a little bit messy, especially if it's on your phone, but it basically breaks down all your investments over the last twelve months. So it shows\n\nChannel 1: Okay.\n\nChannel 0: you from 06/30/2025 till the 06/29/2026. Now you have all your individual investments. You have how much you have in them, but you also have how much what the returns are on the individual investment. So if you wanna, for example, look at the return on each of them, if you look in the second column to the right, it should say internal rate of return. Can you see that column?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. That shows you how your investments have have done. Now, obviously, in the last twelve months, we have seen a bit of turbulence in the market, which I'm sure you've seen on the news and everything like that as well. Obviously,\n\nChannel 1: Yeah.\n\nChannel 0: everything in in The US have seen a bit of fluctuations with Trump and tariffs and everything, and, obviously, more recently with the war as well. So we have seen a bit of turbulence in the market. In saying that, though, you can see here that you only really have one investment that I would like to do more research and look at changing for you. Slightly underperforming at the moment, so that one is down. So what I would like to do after the call today, if you are happy for me to do so, is\n\nChannel 1: Are\n\nChannel 0: to\n\nChannel 1: we talking\n\nChannel 0: draw\n\nChannel 1: the one who does make 1.35%?\n\nChannel 0: the one that's twenty two three one because that one is down.\n\nChannel 1: 20\n\nChannel 0: So that means\n\nChannel 1: two.\n\nChannel 0: it's neg negative. So I wanna change that for you. The top\n\nChannel 1: Okay.\n\nChannel 0: one, all the way to the top. The the Benelon concentrated Australian equity is the one all the way at the top where it says managed funds.\n\nChannel 1: Okay. Yeah. Yeah. Yeah.\n\nChannel 0: That one. Yes. I want to do put a proposal together and see if I can find a better option for that one because it is underperforming a little bit, and we wanna be proactive with your investment. We don't wanna just leave you if there is one that's underperforming. Okay?\n\nChannel 1: Okay. Okay.\n\nChannel 0: Yep. Now all the other investments you can see have done quite well given the market condition. Now the one that you pointed, which was the 1.35, that one is your defensive. So, naturally, that's not gonna grow\n\nChannel 1: Please.\n\nChannel 0: as much because that's your your fixed interest. Now\n\nChannel 1: Okay.\n\nChannel 0: you can see the one that that grows the most, they are like, you can see one of your investments, which is the Global X battery pack and lithium. That's 76%, which is pretty crazy.\n\nChannel 1: Yes.\n\nChannel 0: And then you can also have your silver. So you have some silver in your portfolio, which is up by 45%, which again is pretty crazy. And you also have one that is investing in in Asia. So 50 company in Asia, and that's about 65. So overall, your portfolio has still gone up in the last twelve months, which is great.\n\nNow\n\nChannel 1: Yes.\n\nChannel 0: if we're factoring in everything, it's up so we normally do it after fees to show you everything after fees. It's still up by 5.33%,\n\nChannel 1: Oh my\n\nChannel 0: And\n\nChannel 1: gosh.\n\nChannel 0: that is\n\nChannel 1: It's\n\nChannel 0: even\n\nChannel 1: so much.\n\nChannel 0: though you have the Benelon in your portfolio. But like I said, what I want to do after the call today\n\nChannel 1: Yeah.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: that I want to put together a bit of a proposal to see if we can swap that one for something a little bit better that's going to give you a little bit more growth and put you in a bit of better position moving forward.\n\nChannel 1: Okay. That\n\nChannel 0: Yep.\n\nChannel 1: sounds good.\n\nChannel 0: Now when it actually comes through your portfolio, you can actually see here. So your market value at the start of the period, so on the\n\nChannel 1: Dad.\n\nChannel 0: 06/30/2025, it was at 81,656.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? Now end of market period, you can see 92,325.\n\nChannel 1: Yep.\n\nChannel 0: You can see here income in period. Now that is just income from your investment. So that is not you putting the money in. That is income from your investments alone is 2,197. And then growth in period is, again, for your investment only, that is 3,568.\n\nSo total earnings from your investments alone is 5,766. On top of that, you\n\nChannel 1: Okay.\n\nChannel 0: your employer\n\nChannel 1: What is it saying?\n\nChannel 0: put the money into super for you. So in the last twelve months let me see here. You've had about 8,485 put in from your employer to super in total.\n\nChannel 1: 8,455.\n\nChannel 0: Eight\n\nChannel 1: In the\n\nChannel 0: thousand\n\nChannel 1: last year?\n\nChannel 0: 408 85. Yeah.\n\nChannel 1: In the last financial year.\n\nChannel 0: For between the 07/01/2025 till till today. So, yes,\n\nChannel 1: Yeah.\n\nChannel 0: basically.\n\nChannel 1: Last financial.\n\nChannel 0: Exact\n\nChannel 1: Yeah.\n\nChannel 0: exactly.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Correct. Yes. So it's still\n\nChannel 1: Okay.\n\nChannel 0: done pretty good\n\nChannel 1: And\n\nChannel 0: given\n\nChannel 1: how much\n\nChannel 0: the\n\nChannel 1: more\n\nChannel 0: market.\n\nChannel 1: so I'm going to interrupt you now. How much money\n\nChannel 0: Yep.\n\nChannel 1: we start last year?\n\nChannel 0: You started at 81,650\n\nChannel 1: Last\n\nChannel 0: nine.\n\nChannel 1: year\n\nChannel 0: Correct.\n\nChannel 1: on the 2024\n\nChannel 0: Thirty thirtieth of June twenty twenty five.\n\nChannel 1: was 81000\n\nChannel 0: Eighty one thousand six hundred and fifty nine.\n\nChannel 1: and 59. I\n\nChannel 0: Yes.\n\nChannel 1: have been pulling $5,000. Okay. So yeah. Yeah. So pretty much the profit for the investment.\n\nI just\n\nChannel 0: Yes.\n\nChannel 1: say,\n\nChannel 0: 5\n\nChannel 1: for the investment,\n\nChannel 0: $7.06 6.\n\nChannel 1: 5\n\nChannel 0: Yeah.\n\nChannel 1: $7.06\n\nChannel 0: Yes.\n\nChannel 1: was the the profit in the year. Yep.\n\nChannel 0: Yep.\n\nChannel 1: 20\n\nChannel 0: From\n\nChannel 1: four\n\nChannel 0: your investments.\n\nChannel 1: '25 to 26 was yep. Okay. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Yeah. But but like\n\nChannel 1: And\n\nChannel 0: I said, what\n\nChannel 1: but\n\nChannel 0: I'd like\n\nChannel 1: let's go\n\nChannel 0: yeah.\n\nChannel 1: continue, and we'll talk at the end.\n\nChannel 0: Yeah. Perfect. But like I said, what I would like to do after today is that I would like to do a bit more in-depth on the investment, especially because, obviously, there's been a lot of changes in the world, and I wanna make sure that we have you in the best investments moving forward. So\n\nChannel 1: Yep.\n\nChannel 0: I will go and put together a proposal for you, and it doesn't cost any extra. It's all part of the the service to to look at if we need to make any changes. And then if I do recommend any, I will go through it with you in detail, and then you will let me know if you are happy with that or not.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now the next document, if you wanna click next in your email, is that your Vanguard index chart? It should be like a red graph.\n\nChannel 1: Need us protection?\n\nChannel 0: Yes. Okay. So that one just talked about your interest again. But we've kind of already touched it, but it breaks it down in a little bit more information for you. But it lets you know that everything is paid and and up to date with your insurances.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: Any questions with anything so far?\n\nChannel 1: just see it today, so it's not going to be too much to see. Let me tell you.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Done. Good.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So everything\n\nChannel 0: And if\n\nChannel 1: has\n\nChannel 0: you\n\nChannel 1: been\n\nChannel 0: wanna\n\nChannel 1: already paid.\n\nChannel 0: correct.\n\nChannel 1: Question\n\nChannel 0: Sorry.\n\nChannel 1: for\n\nChannel 0: The\n\nChannel 1: you. So bye.\n\nChannel 0: Yes.\n\nChannel 1: But I got the question. So from the profit, it's already taking the money\n\nChannel 0: Correct.\n\nChannel 1: from the insurance and for management? Or is\n\nChannel 0: It's after. After face. Yes.\n\nChannel 1: after all the fees and the money.\n\nChannel 0: Correct.\n\nChannel 1: Okay. So already\n\nChannel 0: Yes.\n\nChannel 1: covering all all\n\nChannel 0: Correct.\n\nChannel 1: I have to cover. Okay. Okay.\n\nChannel 0: Correct.\n\nChannel 1: So we're\n\nChannel 0: Yes.\n\nChannel 1: talking about okay. Alright. I need to check. I I'd I'd like to check some numbers anyway.\n\nChannel 0: Yes.\n\nChannel 1: So 94,000. So we're making a profit of 6% PGA at the moment.\n\nChannel 0: Yeah. So after fees, it was 5.33. And I like to usually say after fees so you can see after everything.\n\nChannel 1: So we\n\nChannel 0: But\n\nChannel 1: are talking about the proper profit because anyway yes. I know\n\nChannel 0: correct.\n\nChannel 1: I know you have to get some money, but you're just like, I just want to lose how much money. Like, I just give my six\n\nChannel 0: That\n\nChannel 1: percent.\n\nChannel 0: is\n\nChannel 1: Oh,\n\nChannel 0: that is,\n\nChannel 1: that's\n\nChannel 0: yeah, after\n\nChannel 1: good.\n\nChannel 0: fees. So that is what what's left after all fees. Yes.\n\nChannel 1: That's good.\n\nChannel 0: For 5.33. Yep. Which, again, in the last twelve months, given what's happened in the market, it's it's still pretty good given, yeah, what's what's happening. Now, Jose, if you wanna click next for me, you should now have that Vanguard index chart.\n\nChannel 1: Yeah. I can check.\n\nChannel 0: Yes. Yep. So you probably have seen something like this before. Vanguard does release one every single year, so they do to release the next one probably any day now. But, basically, what it is, it's just a good visual representation of what we are talking about when we're talking about the market and market fluctuations.\n\nNow this one here goes from 1995 through through 2025, but it shows you all the ups and downs of the market. You can basically see that when we are looking long term, everything goes up. The short term, depending on what is happening in the world, there will be some of those ups and downs and market fluctuations. Okay? Yes.\n\nChannel 1: One minute. Wakeham. Hello, Wakeham. Can you hear me?\n\nChannel 0: Sure. Yes.\n\nChannel 1: Wakeham. Wakeham. Wakeham. Wakeham. Sorry.\n\nHey, Wakeham.\n\nChannel 0: No. That's okay.\n\nChannel 1: Good. Good. Tell me. Oh, yes. Yes.\n\nI have a chat with Angela today about it. So I need to organize that one with Thomas. Yeah. No worries. I talked to Amit.\n\nNot to probably any way starting from my next financial year. Absolutely. Going to start from the explanation here. Not going to happen tonight. All good.\n\nNo worries. Thank you so much. Bye. Anyway, okay. Bye bye.\n\nHello.\n\nChannel 0: Hello?\n\nChannel 1: Veronica,\n\nChannel 0: You can hear me?\n\nChannel 1: sir. I'm back with you\n\nChannel 0: Yeah.\n\nChannel 1: again.\n\nChannel 0: Yeah. Beautiful. Now if you can click next for me, you\n\nChannel 1: Give\n\nChannel 0: should\n\nChannel 1: me a\n\nChannel 0: now\n\nChannel 1: second.\n\nChannel 0: see.\n\nChannel 1: Give me\n\nChannel 0: Sure.\n\nChannel 1: give me a second. Okay, Sophie.\n\nChannel 0: Sure.\n\nChannel 1: Because I ran in between working. I I yeah. Yeah. Yeah. Just\n\nChannel 0: Oh,\n\nChannel 1: oh,\n\nChannel 0: yeah.\n\nChannel 1: sorry. Sophie, give me another second. Please. Okay. Sorry.\n\nChannel 0: No. That's okay. Multitasking.\n\nChannel 1: Sorry.\n\nChannel 0: I get it.\n\nChannel 1: I I I need to make it for now. You should. Hello, Veronica?\n\nChannel 0: Yep. You can hear me, Jose?\n\nChannel 1: Yes. I hear you. Sorry. Let\n\nChannel 0: Yeah.\n\nChannel 1: me see.\n\nChannel 0: No. That's okay. It should only be, like, maybe another two, three minutes, and then I will let you go\n\nChannel 1: Don't let\n\nChannel 0: because\n\nChannel 1: me go\n\nChannel 0: of\n\nChannel 1: do that.\n\nChannel 0: Yes. Okay. So next\n\nChannel 1: So\n\nChannel 0: document. Can you see our HP services guide?\n\nChannel 1: okay. Sorry. The charges just ask me to see. Yeah. I can see the variations.\n\nIs anything\n\nChannel 0: Yes.\n\nChannel 1: to do apart of the the yeah. What is happening in the world? It's it's not\n\nChannel 0: Correct.\n\nChannel 1: your fault. It is not in our control. It it is what it is.\n\nChannel 0: Correct. Yes. Exactly. So it's just kind\n\nChannel 1: Okay.\n\nChannel 0: of a good way to to see things. So it's just just,\n\nChannel 1: Okay.\n\nChannel 0: yeah, just to to see everything.\n\nChannel 1: Okay. Okay. So next one\n\nChannel 0: Okay.\n\nChannel 1: is the old services guy.\n\nChannel 0: Yes. Exactly. Now you have probably seen a couple of days before. It is just one of those compliance documents, but it does give you all the important information. Now it is 22 pages, so I won't go through all of that with\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: I can see. This is the thing nobody\n\nChannel 0: Yeah.\n\nChannel 1: reads.\n\nChannel 0: Yeah. Now as you scroll through, you can see the team. So you can see we've had a bit of an\n\nChannel 1: Yes.\n\nChannel 0: update to marketing. You can see the advisers, the directors. If you wanna, you know, put a face to who you are who you are speaking with as well, I am also\n\nChannel 1: I already\n\nChannel 0: there\n\nChannel 1: see\n\nChannel 0: on,\n\nChannel 1: you.\n\nChannel 0: yeah,\n\nChannel 1: Yes.\n\nChannel 0: on page 10, which sometimes is nice, obviously, because we are speaking over the\n\nChannel 1: Yeah.\n\nChannel 0: phone. But, yeah, just just some information there for you.\n\nChannel 1: Yes.\n\nChannel 0: And if you can click on the next one for me when you're ready.\n\nChannel 1: Done.\n\nChannel 0: Yes. Now can you see where it says ongoing service agreement, half twenty four? Consent to new ongoing fee arrangement. Can you see\n\nChannel 1: Okay.\n\nChannel 0: that one?\n\nChannel 1: C amount or estimated equivalent GST is 1.65 per annum.\n\nChannel 0: Correct.\n\nChannel 1: We're\n\nChannel 0: So there's\n\nChannel 1: talking\n\nChannel 0: no\n\nChannel 1: about\n\nChannel 0: changes.\n\nChannel 1: six.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: So when it comes to the ongoing fee, there for the next twelve months, there's no changes in the fee structure. So we're\n\nChannel 1: Okay.\n\nChannel 0: not increasing the fee or anything like that. It stays exactly the same as what you have paid, which is 1.65% from super. So you don't pay for anything out of pocket, but that is the fee ongoing form superannuation. Now you\n\nChannel 1: Okay.\n\nChannel 0: can see here that there's two lines. So you can see from zero to 600, 1.65, and then 601 up is zero. It's because we cap it at 600,000.\n\nChannel 1: Okay.\n\nChannel 0: So if your balance goes to 700, you're only paying that up to 600.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now it's not a locking contract either, Jose. So if at any point in time you are not happy with the service, there is no locking contract. So by signing this document, it allows us to keep servicing and managing your account and everything for you in the meantime.\n\nOkay?\n\nChannel 1: Okay. No problem.\n\nChannel 0: Yep. Now there should then be one last document if you press next.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Which should say option to provide tax file number.\n\nChannel 1: Okay. Give me a second.\n\nChannel 0: Sure.\n\nChannel 1: Give me a minute, please. Sorry.\n\nChannel 0: No. That's okay. Just so you know, basically, all that form is is to say that we are keeping your tax file number secure and safe on file.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Everything keep the same.\n\nChannel 0: Yeah. Exactly. So, basically, from here, if you are happy to do so, it will just ask you to add two signatures. One will be on this tax file number form, and one will be on that ongoing service agreement. And it will just ask you to add your your name, and then it should automatically add the date as well.\n\nYep. Let me have a look. Did it say validate or anything for you?\n\nChannel 1: Yeah. I already did it in the record. Okay. The record is done.\n\nChannel 0: Perfect. Now sometimes it takes a little bit for it to come through, which is okay. I'll have a little look out for my emails to see if it comes through. We'll get all of that loaded and sorted for you. But like I said, Jose, I would like to do a bit more research on the investment to see if we need to make any changes, and it will take me about a week to put it all together for you.\n\nChannel 1: What's\n\nChannel 0: So\n\nChannel 1: that?\n\nChannel 0: do you what's that? Sorry?\n\nChannel 1: That sounds good. Sounds good. Yep.\n\nChannel 0: Yes. Now do you have any availability next week?\n\nChannel 1: Give me a second. Give me a second. Give me a second next week. At what time?\n\nChannel 0: Do you\n\nChannel 1: Which\n\nChannel 0: normally\n\nChannel 1: day or what time?\n\nChannel 0: do you prefer mornings or afternoon?\n\nChannel 1: Depends on what time in the morning. Depends on what time\n\nChannel 0: Okay.\n\nChannel 1: in the afternoon.\n\nChannel 0: I could do Tuesday the seventh at 9AM or\n\nChannel 1: No. No. I can't.\n\nChannel 0: no. No. That's okay. I could do Tuesday the seventh at 4PM.\n\nChannel 1: On Tuesday?\n\nChannel 0: Yes. The seventh.\n\nChannel 1: Done. Let's get to the level.\n\nChannel 0: Okay. Beautiful. Well, that is all booked in on Tuesday, the seventh at 4PM. I\n\nChannel 1: Done.\n\nChannel 0: will give you a call to kind of run through run through the research and if we wanna make any changes to your investments. And, yeah, just leave that with me.\n\nChannel 1: Okay. Thank you so much for your time.\n\nChannel 0: No problem at all. Thank you so much, and I hope you enjoy the rest of your afternoon, and I look forward to\n\nChannel 1: Thank\n\nChannel 0: speaking\n\nChannel 1: you.\n\nChannel 0: with you week.\n\nChannel 1: Thank you.\n\nChannel 0: Okay.\n\nChannel 1: Thank you. Bye\n\nChannel 0: Thanks.\n\nChannel 1: bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"To put it in there while talking on the phone, and we","start":0.32,"end":2.24,"sentiment":"neutral","sentiment_score":0.09887248401840527}],"sentiment":"neutral","sentiment_score":0.09887248401840527,"channel":1,"num_words":12,"start":0.32,"end":2.24},{"sentences":[{"text":"Good","start":2.08,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.2652962803840637}],"sentiment":"neutral","sentiment_score":0.2652962803840637,"channel":0,"num_words":1,"start":2.08,"end":2.3999999},{"sentences":[{"text":"play 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money is supposed to be in there and how much money we are making 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no?","start":777.76,"end":780.5,"sentiment":"neutral","sentiment_score":-0.10253301842345132}],"sentiment":"neutral","sentiment_score":-0.10253301842345132,"channel":1,"num_words":9,"start":777.76,"end":780.5},{"sentences":[{"text":"It will be depend if you can work.","start":781.41003,"end":783.83,"sentiment":"neutral","sentiment_score":-0.13540225848555565},{"text":"So if you can if you can do your work so if you can work at anything that you're qualified in, then it's not gonna be paid out because you need to have two doctors to say you can't work.","start":783.89,"end":794.925,"sentiment":"neutral","sentiment_score":-0.1471967723220587},{"text":"But if you need, let's say, your arm to do your work and you cannot do your occupation without it, then yes.","start":794.985,"end":802.025,"sentiment":"neutral","sentiment_score":-0.16903929243033583},{"text":"So it's basically if something were to happen to you in illness or accidents or anything, and you cannot","start":802.025,"end":808.17,"sentiment":"neutral","sentiment_score":-0.25064576534848465}],"sentiment":"neutral","sentiment_score":-0.17362048242534145,"channel":0,"num_words":89,"start":781.41003,"end":808.17},{"sentences":[{"text":"Okay.","start":807.77,"end":808.27,"sentiment":"neutral","sentiment_score":-0.15707416832447052}],"sentiment":"neutral","sentiment_score":-0.15707416832447052,"channel":1,"num_words":1,"start":807.77,"end":808.27},{"sentences":[{"text":"work 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shows you how much the return on your investment has been, which is the next document.","start":850.03503,"end":855.495,"sentiment":"neutral","sentiment_score":0.16051401529047224}],"sentiment":"neutral","sentiment_score":0.22533691598169775,"channel":0,"num_words":83,"start":827.70496,"end":855.495},{"sentences":[{"text":"But I will get up how much you have contributed as well, and I can email that report to you.","start":856.03503,"end":860.93,"sentiment":"neutral","sentiment_score":0.22662257850170137}],"sentiment":"neutral","sentiment_score":0.22662257850170137,"channel":0,"num_words":20,"start":856.03503,"end":860.93},{"sentences":[{"text":"Okay.","start":861.45,"end":861.95,"sentiment":"neutral","sentiment_score":0.005801052786409855}],"sentiment":"neutral","sentiment_score":0.005801052786409855,"channel":1,"num_words":1,"start":861.45,"end":861.95},{"sentences":[{"text":"Now just while we are just so you while you have the insurance in front of you, I'll just mention the income 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$1,941.","start":921.33,"end":930.115,"sentiment":"neutral","sentiment_score":0.145675352351232},{"text":"Okay?","start":930.115,"end":930.615,"sentiment":"neutral","sentiment_score":0.12921038269996643}],"sentiment":"neutral","sentiment_score":0.14430327154695988,"channel":0,"num_words":12,"start":921.33,"end":930.615},{"sentences":[{"text":"Okay.","start":931.765,"end":932.265,"sentiment":"neutral","sentiment_score":0.09342700242996216},{"text":"Okay.","start":934.805,"end":935.305,"sentiment":"neutral","sentiment_score":0.09411744773387908}],"sentiment":"neutral","sentiment_score":0.09377222508192062,"channel":1,"num_words":2,"start":931.765,"end":935.305},{"sentences":[{"text":"Do you have any other questions with your insurances before I move on to your super in a bit more 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okay.","start":945.77997,"end":946.44,"sentiment":"neutral","sentiment_score":0.283288910984993}],"sentiment":"neutral","sentiment_score":0.20992014308770499,"channel":1,"num_words":6,"start":944.89996,"end":946.44},{"sentences":[{"text":"Yep.","start":946.64,"end":947.12,"sentiment":"neutral","sentiment_score":0.26093459129333496},{"text":"Okay.","start":947.12,"end":947.60004,"sentiment":"positive","sentiment_score":0.39986729621887207},{"text":"Perfect.","start":947.60004,"end":948.10004,"sentiment":"positive","sentiment_score":0.5962342023849487},{"text":"So if you can click next for me, you should then have a","start":948.4,"end":952.58,"sentiment":"neutral","sentiment_score":0.26757532358169556}],"sentiment":"neutral","sentiment_score":0.2959697060286999,"channel":0,"num_words":16,"start":946.64,"end":952.58},{"sentences":[{"text":"Performers with","start":953.645,"end":954.60504,"sentiment":"neutral","sentiment_score":0.19457672536373138}],"sentiment":"neutral","sentiment_score":0.19457672536373138,"channel":1,"num_words":2,"start":953.645,"end":954.60504},{"sentences":[{"text":"performance.","start":954.28503,"end":954.78503,"sentiment":"neutral","sentiment_score":0.1663784235715866}],"sentiment":"neutral","sentiment_score":0.1663784235715866,"channel":0,"num_words":1,"start":954.28503,"end":954.78503},{"sentences":[{"text":"IR.","start":954.60504,"end":955.10504,"sentiment":"neutral","sentiment_score":0.03519715368747711}],"sentiment":"neutral","sentiment_score":0.03519715368747711,"channel":1,"num_words":1,"start":954.60504,"end":955.10504},{"sentences":[{"text":"Correct.","start":955.565,"end":956.065,"sentiment":"neutral","sentiment_score":0.09948480129241943},{"text":"Yeah.","start":956.445,"end":956.945,"sentiment":"neutral","sentiment_score":0.0726449191570282},{"text":"So this one here might look a little bit messy, especially if it's on your phone, but it basically breaks down all your investments over the last twelve months.","start":957.16504,"end":967.74,"sentiment":"neutral","sentiment_score":0.05140984951165216},{"text":"So it shows","start":968.3,"end":969.1,"sentiment":"neutral","sentiment_score":0.09899773448705673}],"sentiment":"neutral","sentiment_score":0.05764731058083913,"channel":0,"num_words":34,"start":955.565,"end":969.1},{"sentences":[{"text":"Okay.","start":968.79,"end":969.29,"sentiment":"neutral","sentiment_score":0.09647417813539504}],"sentiment":"neutral","sentiment_score":0.09647417813539504,"channel":1,"num_words":1,"start":968.79,"end":969.29},{"sentences":[{"text":"you from 06/30/2025 till the 06/29/2026.","start":969.1,"end":977.2,"sentiment":"neutral","sentiment_score":0.08408413827419281},{"text":"Now you have all your individual investments.","start":977.98,"end":980.88,"sentiment":"neutral","sentiment_score":0.167094281741551},{"text":"You have how much you have in them, but you also have how much what the returns are on the individual investment.","start":981.18,"end":990.985,"sentiment":"neutral","sentiment_score":0.11954669383439151},{"text":"So if you wanna, for example, look at the return on each of them, if you look in the second column to the right, it should say internal rate of return.","start":991.685,"end":1003.4,"sentiment":"neutral","sentiment_score":0.11008280263312402},{"text":"Can you see that column?","start":1003.86,"end":1005.24,"sentiment":"neutral","sentiment_score":0.07929584681987763}],"sentiment":"neutral","sentiment_score":0.11427096030871634,"channel":0,"num_words":71,"start":969.1,"end":1005.24},{"sentences":[{"text":"Yeah.","start":1006.605,"end":1007.105,"sentiment":"neutral","sentiment_score":0.18277648091316223}],"sentiment":"neutral","sentiment_score":0.18277648091316223,"channel":1,"num_words":1,"start":1006.605,"end":1007.105},{"sentences":[{"text":"Yes.","start":1007.62,"end":1008.12,"sentiment":"neutral","sentiment_score":0.2396724969148636},{"text":"That shows you how your investments have have done.","start":1008.435,"end":1011.335,"sentiment":"neutral","sentiment_score":0.22999307647761372},{"text":"Now, obviously, in the last twelve months, we have seen a bit of turbulence in the market, which I'm sure you've seen on the news and everything like that as well.","start":1011.395,"end":1019.255,"sentiment":"neutral","sentiment_score":-0.2300106279792324},{"text":"Obviously,","start":1019.47504,"end":1019.97504,"sentiment":"neutral","sentiment_score":-0.08753067255020142}],"sentiment":"neutral","sentiment_score":-0.11686309415935761,"channel":0,"num_words":42,"start":1007.62,"end":1019.97504},{"sentences":[{"text":"Yeah.","start":1019.98004,"end":1020.48004,"sentiment":"neutral","sentiment_score":-0.09416152536869048}],"sentiment":"neutral","sentiment_score":-0.09416152536869048,"channel":1,"num_words":1,"start":1019.98004,"end":1020.48004},{"sentences":[{"text":"everything in in The US have seen a bit of fluctuations with Trump and tariffs and everything, and, obviously, more recently with the war as well.","start":1020.03503,"end":1028.09,"sentiment":"neutral","sentiment_score":-0.22028506031403175},{"text":"So we have seen a bit of turbulence in the market.","start":1028.09,"end":1030.67,"sentiment":"neutral","sentiment_score":-0.3106561695987528},{"text":"In saying that, though, you can see here that you only really have one investment that I would like to do more research and look at changing for you.","start":1032.17,"end":1035.47,"sentiment":"neutral","sentiment_score":-0.026562612760683585},{"text":"Slightly underperforming at the moment, so that one is down.","start":1046.995,"end":1050.295,"sentiment":"negative","sentiment_score":-0.534431791305542},{"text":"So what I would like to do after the call today, if you are happy for me to do so, 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representative named Jose discusses the customer's annual review with Veronica, including her financial goals and retirement plans. They also discuss risk tolerance and retirement plans, including investment opportunities and risk management. The speaker provides information on the customer's insurance coverage, income protection, and investment portfolio, and suggests a plan to switch investments and increase growth for her. They also provide detailed information on market value and earnings and explain the benefits of a Vanguard index chart. The customer is instructed to sign a document and the agent will follow up with them to make necessary changes."},"intents":{"segments":[{"text":"Thanks for calling me back. All good.","start_word":33,"end_word":39,"intents":[{"intent":"Express gratitude","confidence_score":0.056413837}]},{"text":"I had you booked in to go over your annual review.","start_word":42,"end_word":52,"intents":[{"intent":"Discuss annual review","confidence_score":0.033479333}]},{"text":"to get the appointment today. 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So it shows Okay.","start_word":2613,"end_word":2645,"intents":[{"intent":"Retrieve investment details","confidence_score":0.0000141891915}]},{"text":"In saying that, though, you can see here that you only really have one investment that I would like to do more research and look at changing for you.","start_word":2798,"end_word":2826,"intents":[{"intent":"Change investment profile","confidence_score":0.00070612575}]},{"text":"that I want to put together a bit of a proposal to see if we can swap that one for something a little bit better that's going to give you a little bit more growth and put you in a bit of better position moving forward. Okay.","start_word":3191,"end_word":3237,"intents":[{"intent":"Explane portfolio options","confidence_score":0.000013080199}]},{"text":"I will go and put together a proposal for you, and it doesn't cost any extra. It's all part of the the service to to look at if we need to make any changes. And then if I do recommend any, I will go through it with you in detail, and then you will let me know if you are happy with that or not. Okay.","start_word":3612,"end_word":3677,"intents":[{"intent":"Request investment proposal","confidence_score":0.012139027}]},{"text":"So we're making a profit of 6% PGA at the moment. Yeah.","start_word":3882,"end_word":3893,"intents":[{"intent":"Record profit figures","confidence_score":0.00009255387}]},{"text":"I have a chat with Angela today about it. So I need to organize that one with Thomas. Yeah.","start_word":4170,"end_word":4188,"intents":[{"intent":"Determine purpose","confidence_score":0.0006895721}]},{"text":"Can you see our HP services guide? okay. Sorry.","start_word":4368,"end_word":4376,"intents":[{"intent":"Provide guidance","confidence_score":0.0000066116895}]},{"text":"Consent to new ongoing fee arrangement. Can you see Okay. that one? C amount or estimated equivalent GST is 1.65 per annum. Correct.","start_word":4634,"end_word":4656,"intents":[{"intent":"Confirm fee arrangement","confidence_score":0.009525232}]},{"text":"Now it's not a locking contract either, Jose. So if at any point in time you are not happy with the service, there is no locking contract. So by signing this document, it allows us to keep servicing and managing your account and everything for you in the meantime. Okay? Okay.","start_word":4788,"end_word":4838,"intents":[{"intent":"Update services","confidence_score":0.00458181}]}]},"sentiments":{"segments":[{"text":"To put it in there while talking on the phone, and Good we play together. afternoon. Okay? This is Franca speaking. How are you?","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.11970306187868118},{"text":"Good, Veronica.","start_word":24,"end_word":25,"sentiment":"positive","sentiment_score":0.3535057008266449},{"text":"How's it going?","start_word":26,"end_word":28,"sentiment":"neutral","sentiment_score":0.2791774570941925},{"text":"Yeah. I'm good. Thanks. Thanks for calling me back. All good. All good.","start_word":29,"end_word":41,"sentiment":"positive","sentiment_score":0.5855645537376404},{"text":"I had you booked in to go over your annual review. Take Is now out still a the good server. time for you? Yes. Yes. I supposed Yes. to get the appointment today. We called today. I apologize. Yes.","start_word":42,"end_word":80,"sentiment":"neutral","sentiment_score":0.15759539604187012},{"text":"Perfect.","start_word":81,"end_word":81,"sentiment":"positive","sentiment_score":0.37932324409484863},{"text":"Now before I do kind of jump into things with the interview, I do like to start by asking if there is anything specific that you are wanting me to focus a little bit more on today, or do you have any particular questions, or just a bit of an update and kind of see where everything is up to? Okay. I want to see if we are making money, we are not making money, Mhmm. how much money has been the money you got from my end the last Mhmm. year, and how much money we are making at the end of the day. Yep. Pretty much percentage. And if we are reaching what we have as a goal or if Mhmm. we are not, what we have to do. Yep. Okay. Perfect. No. We can definitely go through that in a bit more detail today. Now what I will do first, Jose, is just to go through just a bit of an updated fact line with you just to see if there is anything major that has changed in your life as well, if we need to also factor that in, if we need to make any changes to your advice. So just kind of bear with me as I go through this information, and I'll try to make it quick for you. Okay. Okay. When it comes to your personal information, I have you down here as married with financial dependents. Is that correct? Yes. Yes. Beautiful. Now I don't actually have a next of kin on file for you. Do you have someone that you would like to nominate and that is simply Erica just in Junker. error? Okay. Perfect. Same and that was the same last name as yourself, did you say? Yes. Indeed. Yep.","start_word":82,"end_word":381,"sentiment":"neutral","sentiment_score":0.01690507118900617},{"text":"Perfect.","start_word":382,"end_word":382,"sentiment":"positive","sentiment_score":0.504543125629425},{"text":"And best phone number? What is your phone number, darling? 04050405. 831 Yes. 331. 648. 33. 648 Yes. 648.","start_word":383,"end_word":401,"sentiment":"neutral","sentiment_score":0.05354919657111168},{"text":"Perfect. Thank you so much.","start_word":402,"end_word":406,"sentiment":"positive","sentiment_score":0.5518280863761902},{"text":"I'm Occupation wise, has anything changed, or what are you kind of up to at the moment? still as a client service manager. I don't know what is the income you have the last time. I have 95. Is that still the same? It's still the same. It's still the same. Still Yeah. the The credit same. is Okay. 96 now. It's still the Okay. same. Okay. Perfect. Now so sorry. Did you say it was a client Manager. service officer? Is that the title? Sorry. Client service manager. Client service manager. Beautiful. And is that mainly office space? Yes. Pretty much. Yes. Yes. Yeah. Perfect. And you work full time as well? Yes. Yeah. Great. Now when it comes to superannuation, Ready? I I have here that they pay you that standard 12% contribution into super. That's still the case. There's no changes in regards to any of Yes. that? It's Yep. true. Perfect. And you don't make any additional contributions? Is that from your No. employer? No. Put in the top. No. I'm not doing anything extra. It's putting no Yep. directions here. No. That's all good. No. No. No. Yeah. Sorry. Sorry. I talked to my son at the same time. No. That's okay. That's all good. Asset and liability wise, I have here that you own a property, and last time, it was valued at about 450,000. Do you know if It's that's still the roughly same. the case? The same. Perfect. And mortgage about $3.30. It's $3.20 now. $3.20. Okay. Perfect. Now do you have any other assets, any motor, bikes, No. motor No. no.","start_word":407,"end_word":676,"sentiment":"neutral","sentiment_score":0.0012912787393563323},{"text":"Perfect. And health and lifestyle? Still a nonsmoker, and everything's going good health wise?","start_word":677,"end_word":690,"sentiment":"positive","sentiment_score":0.36714404821395874},{"text":"No.","start_word":691,"end_word":691,"sentiment":"neutral","sentiment_score":0.20107842981815335},{"text":"Everything's good. Perfect.","start_word":692,"end_word":694,"sentiment":"positive","sentiment_score":0.5248779654502869},{"text":"And when it comes to estate planning, do you guys have a will in place? I will? No. Yes. No. No. That's okay. And I do have here that for your, beneficiary, so in the event that something were to happen to you, I have, 40% going to Erica, 30% to Phoenix, and 30% to Zion. Is that still correct Is that as correct? well? Yes. Yes. Perfect. No. Thank You you need to so go much. more than three. You'll take it from the top. No fire. Yep. Okay. Now Sorry. no. No. That's okay. I get Oh, it. yeah, buddy. Now I guess goals for stuff that you are working towards or that you are wanting to achieve, usually doing under good as a bit of a check-in to see how everything is going and setting some goals for the next twelve months. I have here that last time we spoke to you, your main focus was to kind of just paying down the mortgage. Is that still kind of your primary Yes. financial goal, would you say? It's still the same. Still the same. Okay. And when it comes to superannuation, I have here that you ideally would like to retire at 65. Is that Yes. still kind of on track? Yep. I hope And I so. do Yes. yeah. And, ideally, wanna draw an income of about 1,500 Or per is that week, is that my like, food? for yourself? Yes. Yep. Okay. Perfect. Now No. what No. No. I Wait. Wait. will Wait. do Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait. Wait so it was just your goals. So when you do decide to retire, so let's say 65, and you want to start drawing an income from super, an amount that you think would be sufficient for your lifestyle expenses and everything like that Yes. on a weekly basis. So I have here that ideally and, obviously, things can change depending on what your situation is when you retire, still a while away. Yes. But at the moment that you are hoping to draw a weekly income of about $1,500 per week. Yes. Do you think that Will would still be kind the of cover ideal. Yeah. yep. Yeah. I did.","start_word":695,"end_word":1114,"sentiment":"neutral","sentiment_score":0.07247535375257333},{"text":"Great. Perfect.","start_word":1115,"end_word":1116,"sentiment":"positive","sentiment_score":0.7297137975692749},{"text":"Now the next thing I do wanna quickly run through there with you, it is just a bit of an updated risk profile questionnaire. It is pretty straightforward, in that it is multiple choice, and there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. And I Okay. do understand that some of them is a little bit tricky because it's all, like, hype hypothetical. So if it doesn't make sense, just let me know. But it's just with whatever aligns the most with you. Does that make sense? Yes. Go ahead. Yep. Yep. Perfect. Now, Jose, have you ever bought direct shares yourself? Direct shares. Like, have you bought stocks on the stock market or No. anything like that? No. Perfect. And when it comes to how much risk you are willing to take for your superannuation, would you say that you are willing to accept If we're the same than before, I don't wanna take a high risk because I don't Okay. wanna get the risk to lose all the money. So Yes. it can be a medium or lower. Yes. Okay.","start_word":1117,"end_word":1307,"sentiment":"neutral","sentiment_score":0.008804247714579105},{"text":"Perfect.","start_word":1308,"end_word":1308,"sentiment":"positive","sentiment_score":0.4059498906135559},{"text":"Yes. Now you are kind of in that that process. So if you are happy with so at the moment, you are in a growth portfolio. What that basically means is that you are looking at getting as much growth out of your super while you have plenty of time until retirement and that you understand that there will be some short term fluctuations in order to grow your super. Now when it comes through how your money is invested, we see 80% invested in what we call your growth investment.","start_word":1309,"end_word":1399,"sentiment":"neutral","sentiment_score":0.25028603417532785},{"text":"Now this Dad. would be things like property Australian shares and international shares, which is going to grow that super for you.","start_word":1400,"end_word":1421,"sentiment":"positive","sentiment_score":0.4191121459007263},{"text":"What? But at the same time, we don't wanna be, you know, super high high risk either. So we do have 20% in defensive, and that is to limit those fluctuations a little bit. And we we typically see, like, your old, your fixed interest, and your cash in in this proportion. Now when we are also talking about a time frame, so making sure you have enough time in the market for those fluctuations to come back around, We want to see ideally six years until retirement.","start_word":1422,"end_word":1509,"sentiment":"neutral","sentiment_score":0.0502135157585144},{"text":"So from a time frame point of view, you you have more than that, so you are in a good position from a time frame.","start_word":1510,"end_word":1534,"sentiment":"positive","sentiment_score":0.3842151165008545},{"text":"If you are happy with, like, the same level of risk. So not taking any more risk is kind of the same level of that growth portfolio. Okay. Would you be happy in a growth portfolio? Yes. I think so. Okay. Yep. Now what we will go through next is the your question. So it's going a bit more into your superannuation where things are at. So do you have access to your emails at all for me, or is it a bit busy right now? I'm not really looking the emails now, No. but That's we okay. can go to to to figure. You know? You just tell me how much money I Yes. have been Yep. contribute so I know Yes. how much money is supposed to be in there and how much money we are making since Yes. Okay. then.","start_word":1535,"end_word":1677,"sentiment":"neutral","sentiment_score":0.06636911630630493},{"text":"Perfect.","start_word":1678,"end_word":1678,"sentiment":"positive","sentiment_score":0.5678092241287231},{"text":"So what I have done for later when you have a bit more time, I have sent you an email for you to review. Now I will go through what's in that email with you now briefly. And then when you have a bit more time later, you can go and have a look at it. And if you then have any questions, you can let me know. Okay? Okay. Question for you. What Yep. which email did you send me the information? So I send it to Colombiancommander@Gmail.com. Okay. Give me a second. Yeah. And Veronica. it could also Veronica. yes. That's me.","start_word":1679,"end_word":1782,"sentiment":"neutral","sentiment_score":0.1366419642447279},{"text":"Beautiful.","start_word":1783,"end_word":1783,"sentiment":"positive","sentiment_score":0.6546214818954468},{"text":"Okay. Yeah. When did you send me the information? Just now is when you say you want the signature from me. Yeah. So when you click on the email where it says request signature, when you click on it, it will actually open up all the documents that you can Okay. have a I'm look looking at. in there, like, a 20 okay. Let's go ahead. I can see Okay. from my phone anyway. Okay. Hey. No. Just go ahead. Go ahead. Okay.","start_word":1784,"end_word":1866,"sentiment":"neutral","sentiment_score":0.05762456730008125},{"text":"Perfect. Perfect.","start_word":1867,"end_word":1868,"sentiment":"positive","sentiment_score":0.5360615849494934},{"text":"Now can you see the first document there, which Yes. should say super and insurance So the case summary. says, system management insurance 2923. Now yes. So you can see here that you have your superannuation with Hub twenty four. And at the moment, you have Yep. $94,623 in there. Okay? Okay. By today, we have 94,623. .Dt.d Correct. t Yes. As of yesterday. dot. Yes. No. Okay. I'll Yep. Now underneath it, you can see your insurances. just get Yep. So when it comes to your insurances, you have life and TPD and income protection with Neon. Now for your Okay. life Okay. and Wait. Wait. Wait. Wait. Wait. Indeed. Sorry. I'm going to start to ask. Okay. The last insurance is 4,406 thousand dollars if I die. correct. 406,712. Okay. That's will be the money go to my family. Correct. What about the okay. What is the TPD? CPD? Yep. So that is if something were to happen to you and you were to become totally and permanently disabled and you can never go back to work again, that would then be payout to assist you with medical expenses and also because you can't work. So it's assisting with kind of income Okay. because you can never work again. Okay. If it's a partial payment payment, Yes. Permanent. it's going Total to permanent no. disability. No. No. No. But if it's past, it's going to be any cover or no? If it's what? Sorry. Just spot. That? I don't know. Like, sample, lose one arm. What happened? Is going Yes. to be any insurance covered in there or no? It will be depend if you can work. So if you can if you can do your work so if you can work at anything that you're qualified in, then it's not gonna be paid out because you need to have two doctors to say you can't work. But if you need, let's say, your arm to do your work and you cannot do your occupation without it, then yes. So it's basically if something were to happen to you in illness or accidents or anything, and you cannot Okay. work again. Okay. Yep. Before we continue, maybe you're going to tell me, Sarah. You said, sir, we Yeah. have $94,000 at this point of time. How much Yes. money I have been what is your name? I still have the name. The money I shall be contributing. Yes. So on the the next document, the one after this one is pretty good because it shows you a little bit more on your investment. And then I can get up your contributions to how much has actually been put in as well because that one actually shows you just what the return on your investment. So it doesn't show you the the contribution. It just shows you how much the return on your investment has been, which is the next document. But I will get up how much you have contributed as well, and I can email that report to you. Okay. Now just while we are just so you while you have the insurance in front of you, I'll just mention the income protection as well because the next document talks about your investment and breaking down that in in a little bit more easy detail for you. Okay? Okay. Yep. So you also have an income protection, and that is if you are temporarily unable to work. Okay? And that is a monthly income replacement. Now at the moment, you would be paid out 3,355 per month if you can't work. Okay? Okay. Yep. You do have a ninety day waiting period, which means you have to wait the ninety days until Okay. you can start getting that payment. And you do have a two year benefit period, which means that you can be on claims for up to two year. That is part of the insurance. Yes? Correct. Yeah. That Okay. is part of your insurance. Okay. Now for all three, you pay after the tax rebate $1,941. Okay? Okay. Okay. Do you have any other questions with your insurances before I move on to your super in a bit more detail? Are I you happy direct with the level of cover? yeah. I think so. It's okay. Yep.","start_word":1869,"end_word":2591,"sentiment":"neutral","sentiment_score":0.024040651622319786},{"text":"Okay. Perfect.","start_word":2592,"end_word":2593,"sentiment":"positive","sentiment_score":0.4980507493019104},{"text":"So if you can click next for me, you should then have a Performers with performance. IR. Correct. Yeah. So this one here might look a little bit messy, especially if it's on your phone, but it basically breaks down all your investments over the last twelve months. So it shows Okay. you from 06/30/2025 till the 06/29/2026. Now you have all your individual investments. You have how much you have in them, but you also have how much what the returns are on the individual investment. So if you wanna, for example, look at the return on each of them, if you look in the second column to the right, it should say internal rate of return. Can you see that column? Yeah. Yes. That shows you how your investments have have done. Now, obviously, in the last twelve months, we have seen a bit of turbulence in the market, which I'm sure you've seen on the news and everything like that as well. Obviously, Yeah. everything in in The US have seen a bit of fluctuations with Trump and tariffs and everything, and, obviously, more recently with the war as well. So we have seen a bit of turbulence in the market. In saying that, though, you can see here that you only really have one investment that I would like to do more research and look at changing for you.","start_word":2594,"end_word":2826,"sentiment":"neutral","sentiment_score":-0.008254482574728937},{"text":"Slightly underperforming at the moment, so that one is down.","start_word":2827,"end_word":2836,"sentiment":"negative","sentiment_score":-0.5104763507843018},{"text":"So what I would like to do after the call today, if you are happy for me to do so, is Are to we talking draw the one who does make 1.35%? the one that's twenty two three one because that one is down. 20 So that means two. it's neg negative. So I wanna change that for you. The top Okay. one, all the way to the top. The the Benelon concentrated Australian equity is the one all the way at the top where it says managed funds. Okay. Yeah. Yeah. Yeah. That one. Yes. I want to do put a proposal together and see if I can find a better option for that one because it is underperforming a little bit, and we wanna be proactive with your investment. We don't wanna just leave you if there is one that's underperforming. Okay? Okay. Okay. Yep. Now all the other investments you can see have done quite well given the market condition. Now the one that you pointed, which was the 1.35, that one is your defensive. So, naturally, that's not gonna grow Please. as much because that's your your fixed interest. Now Okay. you can see the one that that grows the most, they are like, you can see one of your investments, which is the Global X battery pack and lithium. That's 76%, which is pretty crazy. Yes. And then you can also have your silver. So you have some silver in your portfolio, which is up by 45%, which again is pretty crazy. And you also have one that is investing in in Asia. So 50 company in Asia, and that's about 65.","start_word":2837,"end_word":3113,"sentiment":"neutral","sentiment_score":0.05808745301748872},{"text":"So overall, your portfolio has still gone up in the last twelve months, which is great. Now Yes.","start_word":3114,"end_word":3131,"sentiment":"positive","sentiment_score":0.6228070855140686},{"text":"if we're factoring in everything, it's up so we normally do it after fees to show you everything after fees. It's still up by 5.33%, Oh my And gosh. that is It's even so much. though you have the Benelon in your portfolio. But like I said, what I want to do after the call today Yeah. is Yeah. that I want to put together a bit of a proposal to see if we can swap that one for something a little bit better that's going to give you a little bit more growth and put you in a bit of better position moving forward. Okay. That Yep.","start_word":3132,"end_word":3239,"sentiment":"neutral","sentiment_score":0.10462922602891922},{"text":"sounds good.","start_word":3240,"end_word":3241,"sentiment":"positive","sentiment_score":0.3975013494491577},{"text":"Now when it actually comes through your portfolio, you can actually see here. So your market value at the start of the period, so on the Dad. 06/30/2025, it was at 81,656. Yeah. Okay? Now end of market period, you can see 92,325. Yep. You can see here income in period. Now that is just income from your investment. So that is not you putting the money in. That is income from your investments alone is 2,197. And then growth in period is, again, for your investment only, that is 3,568. So total earnings from your investments alone is 5,766. On top of that, you Okay. your employer What is it saying? put the money into super for you. So in the last twelve months let me see here. You've had about 8,485 put in from your employer to super in total. 8,455. Eight In the thousand last year? 408 85. Yeah. In the last financial year. For between the 07/01/2025 till till today. So, yes, Yeah. basically. Last financial. Exact Yeah. exactly. Yeah. Okay. Correct. Yes. So it's still Okay. done pretty good And given how much the more market. so I'm going to interrupt you now. How much money Yep. we start last year? You started at 81,650 Last nine. year Correct. on the 2024 Thirty thirtieth of June twenty twenty five. was 81000 Eighty one thousand six hundred and fifty nine. and 59. I Yes. have been pulling $5,000. Okay. So yeah. Yeah. So pretty much the profit for the investment. I just Yes. say, 5 for the investment, $7.06 6. 5 Yeah. $7.06 Yes. was the the profit in the year. Yep. Yep. 20 From four your investments. '25 to 26 was yep. Okay. Yeah. That's Yep.","start_word":3242,"end_word":3532,"sentiment":"neutral","sentiment_score":0.06415979807421923},{"text":"good.","start_word":3533,"end_word":3533,"sentiment":"positive","sentiment_score":0.41656652092933655},{"text":"Yeah. But but like And I said, what but I'd like let's go yeah. continue, and we'll talk at the end. Yeah.","start_word":3534,"end_word":3555,"sentiment":"neutral","sentiment_score":0.05646996572613716},{"text":"Perfect.","start_word":3556,"end_word":3556,"sentiment":"positive","sentiment_score":0.39818423986434937},{"text":"But like I said, what I would like to do after today is that I would like to do a bit more in-depth on the investment, especially because, obviously, there's been a lot of changes in the world, and I wanna make sure that we have you in the best investments moving forward. So Yep. I will go and put together a proposal for you, and it doesn't cost any extra. It's all part of the the service to to look at if we need to make any changes. And then if I do recommend any, I will go through it with you in detail, and then you will let me know if you are happy with that or not. Okay. Yep. Now the next document, if you wanna click next in your email, is that your Vanguard index chart? It should be like a red graph. Need us protection? Yes. Okay. So that one just talked about your interest again. But we've kind of already touched it, but it breaks it down in a little bit more information for you. But it lets you know that everything is paid and and up to date with your insurances. Okay? Okay. Yep. I Any questions with anything so far? just see it today, so it's not going to be too much to see. Let me tell you. Yep. Okay. Done.","start_word":3557,"end_word":3785,"sentiment":"neutral","sentiment_score":0.1658300906419754},{"text":"Good. Yep. Perfect.","start_word":3786,"end_word":3788,"sentiment":"positive","sentiment_score":0.4320521950721741},{"text":"So everything And if has you been wanna already paid. correct. Question Sorry. for The you. So bye. Yes. But I got the question. So from the profit, it's already taking the money Correct. from the insurance and for management? Or is It's after. After face. Yes. after all the fees and the money. Correct. Okay. So already Yes. covering all all Correct. I have to cover. Okay. Okay. Correct. So we're Yes. talking about okay. Alright. I need to check. I I'd I'd like to check some numbers anyway. Yes. So 94,000. So we're making a profit of 6% PGA at the moment. Yeah. So after fees, it was 5.33. And I like to usually say after fees so you can see after everything. So we But are talking about the proper profit because anyway yes. I know correct. I know you have to get some money, but you're just like, I just want to lose how much money. Like, I just give my six That percent. is Oh, that is, that's yeah, after good. fees. So that is what what's left after all fees. Yes.","start_word":3789,"end_word":3975,"sentiment":"neutral","sentiment_score":0.008625226095318794},{"text":"That's good.","start_word":3976,"end_word":3977,"sentiment":"positive","sentiment_score":0.3798304200172424},{"text":"For 5.33. Yep. Which, again, in the last twelve months, given what's happened in the market, it's it's still pretty good given, yeah, what's what's happening. Now, Jose, if you wanna click next for me, you should now have that Vanguard index chart. Yeah. I can check. Yes. Yep. So you probably have seen something like this before. Vanguard does release one every single year, so they do to release the next one probably any day now. But, basically, what it is, it's just a good visual representation of what we are talking about when we're talking about the market and market fluctuations. Now this one here goes from 1995 through through 2025, but it shows you all the ups and downs of the market. You can basically see that when we are looking long term, everything goes up. The short term, depending on what is happening in the world, there will be some of those ups and downs and market fluctuations. Okay? Yes. One minute. Wakeham. Hello, Wakeham. Can you hear me? Sure. Yes. Wakeham. Wakeham. Wakeham. Wakeham. Sorry. Hey, Wakeham. No. That's okay.","start_word":3978,"end_word":4162,"sentiment":"neutral","sentiment_score":0.13415792830087042},{"text":"Good. Good.","start_word":4163,"end_word":4164,"sentiment":"positive","sentiment_score":0.4316045641899109},{"text":"Tell me. Oh, yes. Yes. I have a chat with Angela today about it. So I need to organize that one with Thomas. Yeah. No worries. I talked to Amit. Not to probably any way starting from my next financial year. Absolutely. Going to start from the explanation here. Not going to happen tonight. All good. No worries.","start_word":4165,"end_word":4222,"sentiment":"neutral","sentiment_score":0.013630209490656853},{"text":"Thank you so much.","start_word":4223,"end_word":4226,"sentiment":"positive","sentiment_score":0.5347578525543213},{"text":"Bye. Anyway, okay. Bye bye. Hello. Hello? Veronica, You can hear me? sir. I'm back with you Yeah. again. Yeah.","start_word":4227,"end_word":4246,"sentiment":"neutral","sentiment_score":0.08580747991800308},{"text":"Beautiful.","start_word":4247,"end_word":4247,"sentiment":"positive","sentiment_score":0.35942310094833374},{"text":"Now if you can click next for me, you Give should me a now second. see. Give me Sure. give me a second. Okay, Sophie. Sure. Because I ran in between working. I I yeah. Yeah. Yeah. Just Oh, oh, yeah. sorry. Sophie, give me another second. Please. Okay. Sorry. No. That's okay. Multitasking. Sorry. I get it. I I I need to make it for now. You should. Hello, Veronica? Yep. You can hear me, Jose? Yes. I hear you. Sorry. Let Yeah. me see. No. That's okay. It should only be, like, maybe another two, three minutes, and then I will let you go Don't let because me go of do that. Yes. Okay. So next So document. Can you see our HP services guide? okay. Sorry. The charges just ask me to see. Yeah. I can see the variations. Is anything Yes. to do apart of the the yeah. What is happening in the world? It's it's not Correct. your fault. It is not in our control. It it is what it is. Correct. Yes. Exactly. So it's just kind Okay.","start_word":4248,"end_word":4431,"sentiment":"neutral","sentiment_score":-0.047042254358530045},{"text":"of a good way to to see things.","start_word":4432,"end_word":4439,"sentiment":"positive","sentiment_score":0.7524985074996948},{"text":"So it's just just, Okay. yeah, just to to see everything. Okay. Okay. So next one Okay. is the old services guy. Yes. Exactly. Now you have probably seen a couple of days before. It is just one of those compliance documents, but it does give you all the important information. Now it is 22 pages, so I won't go through all of that with you. Yeah. I can see. This is the thing Yeah. nobody reads. Yeah. Now as you scroll through, you can see the team. So you can see we've had a bit of an Yes. update to marketing. You can see the advisers, the directors. If you wanna, you know, put a face to who you are who you are speaking with as well, I am also I already there see on, you. yeah, Yes. on page 10, which sometimes is nice, obviously, because we are speaking over the Yeah. phone. But, yeah, just just some information there for you. Yes. And if you can click on the next one for me when you're ready. Done. Yes. Now can you see where it says ongoing service agreement, half twenty four? Consent to new ongoing fee arrangement. Can you see Okay. that one? C amount or estimated equivalent GST is 1.65 per annum. Correct. We're So there's talking no about changes. six. Yeah. Okay. So when it comes to the ongoing fee, there for the next twelve months, there's no changes in the fee structure. So we're Okay. not increasing the fee or anything like that. It stays exactly the same as what you have paid, which is 1.65% from super. So you don't pay for anything out of pocket, but that is the fee ongoing form superannuation. Now you Okay. can see here that there's two lines. So you can see from zero to 600, 1.65, and then 601 up is zero. It's because we cap it at 600,000. So Okay. if your balance goes to 700, you're only paying that up to 600. Okay. Okay. Does that make sense? Yep. Yeah.","start_word":4440,"end_word":4785,"sentiment":"neutral","sentiment_score":0.08994352072477341},{"text":"Perfect.","start_word":4786,"end_word":4786,"sentiment":"positive","sentiment_score":0.47422152757644653},{"text":"Now it's not a locking contract either, Jose. So if at any point in time you are not happy with the service, there is no locking contract. So by signing this document, it allows us to keep servicing and managing your account and everything for you in the meantime. Okay? Okay. No problem. Yep. Now there should then be one last document if you press next. Yes. Yep. Which should say option to provide tax file number. Okay. Give me a second. Sure. Give me a minute, please. Sorry. No. That's okay. Just so you know, basically, all that form is is to say that we are keeping your tax file number secure and safe on file. Yeah. Yeah. Everything keep the same. Yeah. Exactly. So, basically, from here, if you are happy to do so, it will just ask you to add two signatures. One will be on this tax file number form, and one will be on that ongoing service agreement. And it will just ask you to add your your name, and then it should automatically add the date as well. Yep. Let me have a look. Did it say validate or anything for you? Yeah. I already did it in the record. Okay. The record is done.","start_word":4787,"end_word":4997,"sentiment":"neutral","sentiment_score":0.13576185703277588},{"text":"Perfect.","start_word":4998,"end_word":4998,"sentiment":"positive","sentiment_score":0.3680696487426758},{"text":"Now sometimes it takes a little bit for it to come through, which is okay. I'll have a little look out for my emails to see if it comes through. We'll get all of that loaded and sorted for you. But like I said, Jose, I would like to do a bit more research on the investment to see if we need to make any changes, and it will take me about a week to put it all together for you. What's So that? do you what's that? Sorry? That sounds good. Sounds good. Yep. Yes. Now do you have any availability next week? Give me a second. Give me a second. Give me a second next week. At what time? Do you Which normally day or what time? do you prefer mornings or afternoon? Depends on what time in the morning. Depends on what time Okay. in the afternoon. I could do Tuesday the seventh at 9AM or No. No. I can't. no. No. That's okay. I could do Tuesday the seventh at 4PM. On Tuesday? Yes. The seventh. Done. Let's get to the level. Okay.","start_word":4999,"end_word":5185,"sentiment":"neutral","sentiment_score":0.06966302308090838},{"text":"Beautiful.","start_word":5186,"end_word":5186,"sentiment":"positive","sentiment_score":0.6153687238693237},{"text":"Well, that is all booked in on Tuesday, the seventh at 4PM. I Done. will give you a call to kind of run through run through the research and if we wanna make any changes to your investments. And, yeah, just leave that with me. Okay.","start_word":5187,"end_word":5232,"sentiment":"neutral","sentiment_score":0.18322394788265228},{"text":"Thank you so much for your time. No problem at all. Thank you so much, and I hope you enjoy the rest of your afternoon, and I look forward to Thank speaking you. with you week. Thank you. Okay. Thank you. Bye Thanks.","start_word":5233,"end_word":5275,"sentiment":"positive","sentiment_score":0.6813395619392395},{"text":"bye. Bye.","start_word":5276,"end_word":5277,"sentiment":"neutral","sentiment_score":0.25105172395706177}],"average":{"sentiment":"neutral","sentiment_score":0.07450450464231274}}}}