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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Please? Yep. Yep. Yep. Beautiful. That's exactly what I have here. And and how's your day been so far? Been busy? Oh, lovely. Not too far away from us. Are you on a holiday or for work? Oh, lovely. And how long are you guys gonna be over this day? Oh, nice. And do you have much planned while you're up here? Yeah. Oh, nice. Beautiful. Well, hopefully, the weather is good for you. Yeah. Hopefully, over the weekend, it's a bit nicer. Well, I will try not to keep you for too long, obviously, on on holiday. Now before I do jump into things, Michael, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions that you might have or just a bit of an update and see where everything is at? Mhmm. Yep. Okay. Beautiful. Now what I have done is to send you an email with some documents to go through, which does show your performance and where everything is at with your super and your insurance oh, sorry, with your superannuation. Do you have access to your emails at the moment, Michael? Yep. Okay. That's okay. If if it's a bit tricky for it to load, I can always go through it with you. And then later, if if it takes a while to load, you can have a look at them. And if you have any questions, you can then let me know. Or if you do wanna wait for it to load, that's also completely fine. Okay. No no worries at all. Now when it does load, you will see that you have received an email from me. Now it will ask you to click on a link, on a link to sign. It doesn't mean you will have to sign right away, though. It will just, mean clicking on that link, it just allows you to open up the document, you will have a couple of different attachments. Now the first one is a breakdown of your So at the moment, you have your super with HUB 24, and you do have a $1,633,000 or $250 in there. Okay? Yep. Now you don't have any insurances either. Are you still comfortable and happy without insurances? Perfect. Now the next document does break down your portfolio, your investments, and kind of happened in the last twelve months. So it shows you from the 08/15/2025 until the 08/14/2026. So it gives you a good kind of breakdown of your portfolio, your investments, and everything over the last twelve months. Now it shows you everything in net of a fees as well. So after fees have been deducted from your account, and it does break down your individual investments as well. Now on an overview, your portfolio so in the last twelve months, we have obviously seen a bit of fluctuation in the market. I'm sure you've heard on the news, obviously, everything in The US and more recently with the war as well have seen a bit of fluctuation in the market. In saying that, though, your portfolio has still done pretty good. So after fees in the last twelve months, it's up by 8.13%. Yep. Which equates to about $13,040, and that is just growth on your investment. So that's not contribution. Okay? Yep. Now with your investments as well, when the document does decide to load for you, you can actually see how every individual investment has performed, and most of them have done really well. There is one investment that is slightly underperforming a little bit at the moment, and that is your Benelong Australian equity investment. Do you are you quite familiar with the different type of investments at all there, Michael? No. No. That's okay. So with Benelon, it is a managed fund. So it is a little bit different through some of your other investments in that you you have a fund manager, and they're actively trying to buy and sell different investments in order to try to outperform the market. Now they have been really successful and good in doing so, but more recently, they've been a little bit slower in making those decisions and are kind of slightly underperforming a little bit at the moment. But when it comes to your investments, we do want to be proactive in making sure that we always have you in the best options possible for you. And if there is one that we foresee might not be the best option moving forward, then we wanna do the research and see if we can put you in a better position as well. So that's a really good thing with hub twenty four in that there's hundreds of different options for us to choose from to allow us to do that for you. Because, obviously, things are always always changing, and what's the best for you when we spoke last year doesn't always mean it's the best, you know, each year that that comes. So it is kind of good to be proactive in that way. So are you happy for me to do some research on that investment to see if there's a potential other option that we can have a look at for you? Yes? Yep. Perfect. So the Benelon is the one that is underperforming a little bit. The other one that you have is the BetaShares India. So that one is fluctuating a little bit as well, which is one of those satellite investments that can do that depending on what is going on. So I can do as as a part of the research, I'll probably have a look at everything for you just to see if we need to make any changes or anything else or whether we could see those kind of coming back around and still being good investment options for you moving forward. Yep. Pat, do you have any questions so far? No. Okay. Perfect. But, otherwise, overall, it's done really good. Now some of your investments have, for example, your cybersecurity, that's up by about 33%, which is pretty crazy. The gold is 21%. So overall, a lot of the other investments have done well, which is great. Now when it comes to your investments as well, so the next document you will see when it does load in is a Vanguard index chart. Now it's a little bit harder if you can't see that in front of you. But when you do have a look at it, you will see a a a graph, and it basically outlines the market from 1995 through to 2025. Now Vanguard does release one every single year, so the new one is due to be updated shortly. And it kind of shows you that over the long term, the market always goes up. The short term, you will have some ups and downs and market fluctuations depending on what is going on in the market and in the world. It also kind of shows you the different asset classes and how that kind of correlates to time as well. So what I would like to do next is just to go through just another risk profile questionnaire with you to see if we need to make any changes to your risk profile to how the money is invested from a risk perspective in your superannuation. So it is just multiple choice to make it nice and easy for you. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you, and think about these questions as well in regards to your superannuation. Does that make sense? Yeah. Perfect. Now the first question here is, have you ever bought direct shares yourself? Yep. Okay. Perfect. Do you still have personal investments? Yes. Yep. Either Just ETF managed fund. Do you have, like, any investments outside the superannuation in your own personal name? Yep. And how much would you say you have roughly? Do you know? And I'll just add it as an asset for you. Oh, beautiful. And that's mainly ETFs, did you say, or it's a bit of a bit of everything? Yep. Okay. Perfect. That's really good. So you are obviously quite familiar then in a way with obviously market fluctuations and how things work. Yep. Yeah. Perfect. Now at the moment, also, when it comes to your superannuation, I have here that, obviously, you have plenty of time until you can retire, but your your focus is to retire as soon as possible at the age of 60. Is that still the case? Yep. Perfect. And I do have here a weekly income of about $1,500 per week, ideally, when you do retire. Do you still think that's achievable? Do you think you need a little bit more, a little bit less? That's fine. Okay. Perfect. Now, otherwise, when it comes to the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high Moderate. Yep. High to very high. And if you had to kind of lean more towards one, which one would you say? Very high. Yep. Beautiful. Now when it comes through volatilities or fluctuations, if, hypothetically speaking, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you if you had the option to do so, I think that now is potentially a good time to invest a little bit more while the prices are down, or would you be kind of a bit neutral, just hold and wait to see what happens with everything, or would you like to shift to a more secure asset? But that means you are then also selling when the prices have dropped. Yes. Yep. Yep. So sometimes potentially invest more, sometimes hold, sometimes shift depending on what what it is. Yep. That that's totally fair enough. Now next one is when it comes to, again, fluctuations. So ever if any of your investments have fluctuates, whether that is superannuation or your personal investments, when they do fluctuate in value, would you say that seeing that makes you feel, you know, optimistic about potential opportunities, a bit more kind of cautious, not making further investments, or you will be quite concerned or anxious. Portion. Yep. Yep. And some of these questions is hard because it's all hypothetical. So sorry. It does make it a little bit tricky, which is fine. Now the last question here, Michael, is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yep. Perfect. If the circumstances and situation is right, potentially. Now that tells me here that you have come out as a high growth investor, which is the current portfolio we do have you invested in, so that's good. Do you remember what it means to be a high growth investor at all? Yeah. Definitely. So can very be. So you do have the the combination, obviously, where you are wanting to maximize growth in superannuation, you know, while you still have plenty of time until you do retire or when you can access your superannuation anyway. But, also, like you said, that you are, you know, comfortable and understand that there will be some short term level of fluctuation in order to achieve that growth. Now typically speaking as well in a high growth portfolio, we see about 90% invested in what we would call your growth investments, which is a a combination of Australian shares, international shares, and property, which is going to give you that growth. And then we do have about 10% in defensive, like your cash, your gold, your fixed interest, but that limit fluctuations a little bit. And, also, when it comes to time frame, so making sure you have enough time in the market for those fluctuation, typically, in a high growth portfolio, we do wanna allow at least eight years until retirement. So at the moment, obviously, you you have that time behind you as long as you are still comfortable with a high growth portfolio. You're still comfortable? Okay. Perfect. And that kind of shows you in that Vanguard chart as well in the email. It kind of breaks down the different asset classes, which is good. Now what I will also go through is just a bit of an updated fact find with you just to see if there's anything else or anything major that has changed in your life. If part of the reason, I do have a look at those investments, if there's any other tweaks and changes we have to do to your advice. So just kind of bear with me as I do go through this information. Now when it comes to your personal details, I have you down here as in, that you are in a de facto relationship dependent. Is that correct? Yep. Oh, lovely. I will update that. Congratulations. When did you get married? Lovely. I will definitely update that. And next up, can I have Emmy nominated? That's still the case as well. You're happy with that? Yep. Beautiful. Now occupation wise, has any of that changed for you, or you're still a electrical engineer? Yep. Perfect. Still for the same 196,000. Do you know if that's still the case? Still the case. Yep. Beautiful. And I have here that your employer pays you that standard 12% contribution. Now I know that when we spoke last year, we were looking at doing a little bit of salary sacrifice. Is that still something you are interested in or or not really right now? Because I can see it within your account that it's just from your employer at the moment. Nope. That's all good. You still because you're in a high income earner, you still get a pretty good amount of contributions from your employer, which is great, which will obviously help boost that super for you. Now I also just wanna confirm the assets I have listed here to see if anything has changed. So I have your property vied at about 600,000. Does that sound about right? Yep. And I have a mortgage of about $4.80. Yep. I also have a motor vehicle of about 25,000 with nothing owing. Is that correct as well? Sorry. I think I lost you there as well. Is do you still have that motor vehicle? Yeah. Yeah. Perfect. I also have an offset account of about $3.20, the 320,000 in the offset account. Four 80. Yep. Yeah. Oh, that's lovely. That's great. And then I added the personal investments. Any other assets we haven't gone through? That's alright. Perfect. Now do you have any other liabilities, like personal loans or credit card or ZipPay? Nope. Lovely. And when it comes to health and lifestyle, I have you down here as a. Is that still the case? Yep. Yep. Perfect. And any changes to your health? Any health issues or injuries or anything in the last twelve months? No. Everything's going good. Perfect. And do you have private health insurance? Yep. Perfect. And that is hospital cover as well? Yep. Great. Now when it comes to estate planning, do you know if you have a will or part of attorney or anything like that in place? No. That's okay. And when it comes through your superannuation, I can see at the moment that we don't have a current nomination on file for you. Do you remember receiving those forms in the post by any chance? No. That's okay. What I can do is I can get them resent to you. Basically, what it is is for you to make a legal nomination of who you want to receive your superannuation if something ever were to happen to you. So it is important, obviously, to make sure everything does go through the person or people that you would like it to go through to make it a bit more streamlined. Now do you have access to a printer at all if we email it through you, or do you prefer post? Yep. Okay. So you're happy with it to be emailed to you? Yep. Perfect. That way as well, it will go to your email. You'll have a copy there, which is good if it ever gets lost. You just need to print it off a wet sign it and then send it back just because you are making that legal nominations. I will get the team to send that out to you. Do you have any questions in regards to who to nominate or how it works or anything? No. Okay. Beautiful. Now, otherwise, are you politically exposed at all or a tax resident in any foreign jurisdiction? No. Lovely. And when it comes to our guest goals, so stuff that you are working towards or that you are wanting to achieve, during the annual review, it's also a good kind of touch point to see if anything has changed, if anything has been achieved, or how things are going. So last time we spoke, your main focus was to pay down the mortgage as much as possible, which you guys basically have because it's sitting in the offset for you, which is great. And then maybe look at some other investments outside Super, which you obviously have a little bit. Is this still kind of something you guys are working towards, like an investment property or any other types of investments? Yep. No. Perfect. Then do you guys have any other financial or nonfinancial goals that you guys are working towards at all? Yes. Yes. No. No. That is good. And you guys are you are in a good position with, obviously, plenty of time under retirement, obviously, everything in the offset account, which is beautiful. You do have personal investments to diversify, and you are on that high income as well. So a lot of opportunities for that, which is wonderful. Now the last couple of documents in the email when it does load for you, Michael, there is two documents that will require your signature if you're happy to do so. One is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now this one here as well, there is no changes whatsoever in regards to the fee structure for you. Because, obviously, your wife is a client as well, you are on that reduced couple fee at 1.1 from superannuation. So that stays exactly the same for you. And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, by signing this one, it just allows us to manage all your investments and everything for you in the meantime. Does that all make sense? Yep. Perfect. Now the other document, it is just a tax file number form. It is a compliance form basically saying that we are keeping your tax file number secure and safe on file. So those two documents, it will ask for your signature if you're happy to do so, obviously, when you can access your email. And you also have a copy of the new services guides included in the email. You would have seen this a couple of times before, but it's essentially just gives you all the important information in regards to us here I spoke to you. So that was essentially all the documents and stuff that I needed to run through with you. Do you have any questions or anything else you would like to address before I let you get back to your holiday? Matt? Yep. Beautiful. So what I will do while I have you on the phone is just to book in a time for us to go through the research, on your investments. So when is a best time for yourself to do that? It will take me about a week to put together. So I would say the earliest is probably the, say, next week. Next. Okay. Anytime. Okay. Beautiful. Let me have a look here. Now I could do so you'll be back in WA then, right, just for time differences? Perfect. Now what I could do is I could do three o'clock, which will be 01:00 your time. Would that work? Yep. Okay. Beautiful. So I will book that in on Thursday, August 27 at 1PM your time. If anything does change and you can't make it, just let me know, and we can always get that rescheduled for you. But, otherwise, I'll go through if I do make any recommendation on changing any investments, I'll kind of go go through and talk you through all of that. And then the choice is completely up to you after that whether you do wanted to go ahead with the the change or not. Yep. Beautiful. Do you have any other questions for me before I let you go otherwise? No. Beautiful. Thank you so much for today, Michael. And, hopefully, you guys get a nice, sunny weather for the rest of the holiday that you guys are up. No problem. We'll speak on Thursday, the twenty seventh. See you then. 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afternoon, Michael. This is Veronica from Financial. How are you? I'm good. Thanks.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.\n\nYep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Please? Yep.\n\nYep. Yep. Beautiful. That's exactly what I have here. And and how's your day been so far?\n\nBeen busy? Oh, lovely. Not too far away from us. Are you on a holiday or for work? Oh, lovely.\n\nAnd how long are you guys gonna be over this day? Oh, nice. And do you have much planned while you're up here? Yeah. Oh, nice.\n\nBeautiful. Well, hopefully, the weather is good for you. Yeah. Hopefully, over the weekend, it's a bit nicer. Well, I will try not to keep you for too long, obviously, on on holiday.\n\nNow before I do jump into things, Michael, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions that you might have or just a bit of an update and see where everything is at? Mhmm. Yep. Okay. Beautiful.\n\nNow what I have done is to send you an email with some documents to go through, which does show your performance and where everything is at with your super and your insurance oh, sorry, with your superannuation. Do you have access to your emails at the moment, Michael? Yep. Okay. That's okay.\n\nIf if it's a bit tricky for it to load, I can always go through it with you. And then later, if if it takes a while to load, you can have a look at them. And if you have any questions, you can then let me know. Or if you do wanna wait for it to load, that's also completely fine. Okay.\n\nNo no worries at all. Now when it does load, you will see that you have received an email from me. Now it will ask you to click on a link, on a link to sign. It doesn't mean you will have to sign right away, though. It will just, mean clicking on that link, it just allows you to open up the document, you will have a couple of different attachments.\n\nNow the first one is a breakdown of your So at the moment, you have your super with HUB 24, and you do have a $1,633,000 or $250 in there. Okay? Yep. Now you don't have any insurances either. Are you still comfortable and happy without insurances?\n\nPerfect. Now the next document does break down your portfolio, your investments, and kind of happened in the last twelve months. So it shows you from the 08/15/2025 until the 08/14/2026. So it gives you a good kind of breakdown of your portfolio, your investments, and everything over the last twelve months. Now it shows you everything in net of a fees as well.\n\nSo after fees have been deducted from your account, and it does break down your individual investments as well. Now on an overview, your portfolio so in the last twelve months, we have obviously seen a bit of fluctuation in the market. I'm sure you've heard on the news, obviously, everything in The US and more recently with the war as well have seen a bit of fluctuation in the market. In saying that, though, your portfolio has still done pretty good. So after fees in the last twelve months, it's up by 8.13%.\n\nYep. Which equates to about $13,040, and that is just growth on your investment. So that's not contribution. Okay? Yep.\n\nNow with your investments as well, when the document does decide to load for you, you can actually see how every individual investment has performed, and most of them have done really well. There is one investment that is slightly underperforming a little bit at the moment, and that is your Benelong Australian equity investment. Do you are you quite familiar with the different type of investments at all there, Michael? No. No.\n\nThat's okay. So with Benelon, it is a managed fund. So it is a little bit different through some of your other investments in that you you have a fund manager, and they're actively trying to buy and sell different investments in order to try to outperform the market. Now they have been really successful and good in doing so, but more recently, they've been a little bit slower in making those decisions and are kind of slightly underperforming a little bit at the moment. But when it comes to your investments, we do want to be proactive in making sure that we always have you in the best options possible for you.\n\nAnd if there is one that we foresee might not be the best option moving forward, then we wanna do the research and see if we can put you in a better position as well. So that's a really good thing with hub twenty four in that there's hundreds of different options for us to choose from to allow us to do that for you. Because, obviously, things are always always changing, and what's the best for you when we spoke last year doesn't always mean it's the best, you know, each year that that comes. So it is kind of good to be proactive in that way. So are you happy for me to do some research on that investment to see if there's a potential other option that we can have a look at for you?\n\nYes? Yep. Perfect. So the Benelon is the one that is underperforming a little bit. The other one that you have is the BetaShares India.\n\nSo that one is fluctuating a little bit as well, which is one of those satellite investments that can do that depending on what is going on. So I can do as as a part of the research, I'll probably have a look at everything for you just to see if we need to make any changes or anything else or whether we could see those kind of coming back around and still being good investment options for you moving forward. Yep. Pat, do you have any questions so far? No.\n\nOkay. Perfect. But, otherwise, overall, it's done really good. Now some of your investments have, for example, your cybersecurity, that's up by about 33%, which is pretty crazy. The gold is 21%.\n\nSo overall, a lot of the other investments have done well, which is great. Now when it comes to your investments as well, so the next document you will see when it does load in is a Vanguard index chart. Now it's a little bit harder if you can't see that in front of you. But when you do have a look at it, you will see a a a graph, and it basically outlines the market from 1995 through to 2025. Now Vanguard does release one every single year, so the new one is due to be updated shortly.\n\nAnd it kind of shows you that over the long term, the market always goes up. The short term, you will have some ups and downs and market fluctuations depending on what is going on in the market and in the world. It also kind of shows you the different asset classes and how that kind of correlates to time as well. So what I would like to do next is just to go through just another risk profile questionnaire with you to see if we need to make any changes to your risk profile to how the money is invested from a risk perspective in your superannuation. So it is just multiple choice to make it nice and easy for you.\n\nThere is no right or wrong answer. It's just whatever you feel is the most appropriate for you, and think about these questions as well in regards to your superannuation. Does that make sense? Yeah. Perfect.\n\nNow the first question here is, have you ever bought direct shares yourself? Yep. Okay. Perfect. Do you still have personal investments?\n\nYes. Yep. Either Just ETF managed fund. Do you have, like, any investments outside the superannuation in your own personal name? Yep.\n\nAnd how much would you say you have roughly? Do you know? And I'll just add it as an asset for you. Oh, beautiful. And that's mainly ETFs, did you say, or it's a bit of a bit of everything?\n\nYep. Okay. Perfect. That's really good. So you are obviously quite familiar then in a way with obviously market fluctuations and how things work.\n\nYep. Yeah. Perfect. Now at the moment, also, when it comes to your superannuation, I have here that, obviously, you have plenty of time until you can retire, but your your focus is to retire as soon as possible at the age of 60. Is that still the case?\n\nYep. Perfect. And I do have here a weekly income of about $1,500 per week, ideally, when you do retire. Do you still think that's achievable? Do you think you need a little bit more, a little bit less?\n\nThat's fine. Okay. Perfect. Now, otherwise, when it comes to the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high Moderate. Yep.\n\nHigh to very high. And if you had to kind of lean more towards one, which one would you say? Very high. Yep. Beautiful.\n\nNow when it comes through volatilities or fluctuations, if, hypothetically speaking, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you if you had the option to do so, I think that now is potentially a good time to invest a little bit more while the prices are down, or would you be kind of a bit neutral, just hold and wait to see what happens with everything, or would you like to shift to a more secure asset? But that means you are then also selling when the prices have dropped. Yes. Yep. Yep.\n\nSo sometimes potentially invest more, sometimes hold, sometimes shift depending on what what it is. Yep. That that's totally fair enough. Now next one is when it comes to, again, fluctuations. So ever if any of your investments have fluctuates, whether that is superannuation or your personal investments, when they do fluctuate in value, would you say that seeing that makes you feel, you know, optimistic about potential opportunities, a bit more kind of cautious, not making further investments, or you will be quite concerned or anxious.\n\nPortion. Yep. Yep. And some of these questions is hard because it's all hypothetical. So sorry.\n\nIt does make it a little bit tricky, which is fine. Now the last question here, Michael, is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yep. Perfect.\n\nIf the circumstances and situation is right, potentially. Now that tells me here that you have come out as a high growth investor, which is the current portfolio we do have you invested in, so that's good. Do you remember what it means to be a high growth investor at all? Yeah. Definitely.\n\nSo can very be. So you do have the the combination, obviously, where you are wanting to maximize growth in superannuation, you know, while you still have plenty of time until you do retire or when you can access your superannuation anyway. But, also, like you said, that you are, you know, comfortable and understand that there will be some short term level of fluctuation in order to achieve that growth. Now typically speaking as well in a high growth portfolio, we see about 90% invested in what we would call your growth investments, which is a a combination of Australian shares, international shares, and property, which is going to give you that growth. And then we do have about 10% in defensive, like your cash, your gold, your fixed interest, but that limit fluctuations a little bit.\n\nAnd, also, when it comes to time frame, so making sure you have enough time in the market for those fluctuation, typically, in a high growth portfolio, we do wanna allow at least eight years until retirement. So at the moment, obviously, you you have that time behind you as long as you are still comfortable with a high growth portfolio. You're still comfortable? Okay. Perfect.\n\nAnd that kind of shows you in that Vanguard chart as well in the email. It kind of breaks down the different asset classes, which is good. Now what I will also go through is just a bit of an updated fact find with you just to see if there's anything else or anything major that has changed in your life. If part of the reason, I do have a look at those investments, if there's any other tweaks and changes we have to do to your advice. So just kind of bear with me as I do go through this information.\n\nNow when it comes to your personal details, I have you down here as in, that you are in a de facto relationship dependent. Is that correct? Yep. Oh, lovely. I will update that.\n\nCongratulations. When did you get married? Lovely. I will definitely update that. And next up, can I have Emmy nominated?\n\nThat's still the case as well. You're happy with that? Yep. Beautiful. Now occupation wise, has any of that changed for you, or you're still a electrical engineer?\n\nYep. Perfect. Still for the same 196,000. Do you know if that's still the case? Still the case.\n\nYep. Beautiful. And I have here that your employer pays you that standard 12% contribution. Now I know that when we spoke last year, we were looking at doing a little bit of salary sacrifice. Is that still something you are interested in or or not really right now?\n\nBecause I can see it within your account that it's just from your employer at the moment. Nope. That's all good. You still because you're in a high income earner, you still get a pretty good amount of contributions from your employer, which is great, which will obviously help boost that super for you. Now I also just wanna confirm the assets I have listed here to see if anything has changed.\n\nSo I have your property vied at about 600,000. Does that sound about right? Yep. And I have a mortgage of about $4.80. Yep.\n\nI also have a motor vehicle of about 25,000 with nothing owing. Is that correct as well? Sorry. I think I lost you there as well. Is do you still have that motor vehicle?\n\nYeah. Yeah. Perfect. I also have an offset account of about $3.20, the 320,000 in the offset account. Four 80.\n\nYep. Yeah. Oh, that's lovely. That's great. And then I added the personal investments.\n\nAny other assets we haven't gone through? That's alright. Perfect. Now do you have any other liabilities, like personal loans or credit card or ZipPay? Nope.\n\nLovely. And when it comes to health and lifestyle, I have you down here as a. Is that still the case? Yep. Yep.\n\nPerfect. And any changes to your health? Any health issues or injuries or anything in the last twelve months? No. Everything's going good.\n\nPerfect. And do you have private health insurance? Yep. Perfect. And that is hospital cover as well?\n\nYep. Great. Now when it comes to estate planning, do you know if you have a will or part of attorney or anything like that in place? No. That's okay.\n\nAnd when it comes through your superannuation, I can see at the moment that we don't have a current nomination on file for you. Do you remember receiving those forms in the post by any chance? No. That's okay. What I can do is I can get them resent to you.\n\nBasically, what it is is for you to make a legal nomination of who you want to receive your superannuation if something ever were to happen to you. So it is important, obviously, to make sure everything does go through the person or people that you would like it to go through to make it a bit more streamlined. Now do you have access to a printer at all if we email it through you, or do you prefer post? Yep. Okay.\n\nSo you're happy with it to be emailed to you? Yep. Perfect. That way as well, it will go to your email. You'll have a copy there, which is good if it ever gets lost.\n\nYou just need to print it off a wet sign it and then send it back just because you are making that legal nominations. I will get the team to send that out to you. Do you have any questions in regards to who to nominate or how it works or anything? No. Okay.\n\nBeautiful. Now, otherwise, are you politically exposed at all or a tax resident in any foreign jurisdiction? No. Lovely. And when it comes to our guest goals, so stuff that you are working towards or that you are wanting to achieve, during the annual review, it's also a good kind of touch point to see if anything has changed, if anything has been achieved, or how things are going.\n\nSo last time we spoke, your main focus was to pay down the mortgage as much as possible, which you guys basically have because it's sitting in the offset for you, which is great. And then maybe look at some other investments outside Super, which you obviously have a little bit. Is this still kind of something you guys are working towards, like an investment property or any other types of investments? Yep. No.\n\nPerfect. Then do you guys have any other financial or nonfinancial goals that you guys are working towards at all? Yes. Yes. No.\n\nNo. That is good. And you guys are you are in a good position with, obviously, plenty of time under retirement, obviously, everything in the offset account, which is beautiful. You do have personal investments to diversify, and you are on that high income as well. So a lot of opportunities for that, which is wonderful.\n\nNow the last couple of documents in the email when it does load for you, Michael, there is two documents that will require your signature if you're happy to do so. One is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now this one here as well, there is no changes whatsoever in regards to the fee structure for you. Because, obviously, your wife is a client as well, you are on that reduced couple fee at 1.1 from superannuation. So that stays exactly the same for you.\n\nAnd it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, by signing this one, it just allows us to manage all your investments and everything for you in the meantime. Does that all make sense? Yep.\n\nPerfect. Now the other document, it is just a tax file number form. It is a compliance form basically saying that we are keeping your tax file number secure and safe on file. So those two documents, it will ask for your signature if you're happy to do so, obviously, when you can access your email. And you also have a copy of the new services guides included in the email.\n\nYou would have seen this a couple of times before, but it's essentially just gives you all the important information in regards to us here I spoke to you. So that was essentially all the documents and stuff that I needed to run through with you. Do you have any questions or anything else you would like to address before I let you get back to your holiday? Matt? Yep.\n\nBeautiful. So what I will do while I have you on the phone is just to book in a time for us to go through the research, on your investments. So when is a best time for yourself to do that? It will take me about a week to put together. So I would say the earliest is probably the, say, next week.\n\nNext. Okay. Anytime. Okay. Beautiful.\n\nLet me have a look here. Now I could do so you'll be back in WA then, right, just for time differences? Perfect. Now what I could do is I could do three o'clock, which will be 01:00 your time. Would that work?\n\nYep. Okay. Beautiful. So I will book that in on Thursday, August 27 at 1PM your time. If anything does change and you can't make it, just let me know, and we can always get that rescheduled for you.\n\nBut, otherwise, I'll go through if I do make any recommendation on changing any investments, I'll kind of go go through and talk you through all of that. And then the choice is completely up to you after that whether you do wanted to go ahead with the the change or not. Yep. Beautiful. Do you have any other questions for me before I let you go otherwise?\n\nNo. Beautiful. Thank you so much for today, Michael. And, hopefully, you guys get a nice, sunny weather for the rest of the holiday that you guys are up. No problem.\n\nWe'll speak on Thursday, the twenty seventh. See you then. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Michael.","start":2.8799999,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.33182649811108905},{"text":"This is Veronica from Financial.","start":3.9199998,"end":5.46,"sentiment":"neutral","sentiment_score":0.28295462131500243},{"text":"How are you?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2529096454381943},{"text":"I'm good.","start":8.8,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5791732668876648},{"text":"Thanks.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6787273287773132}],"sentiment":"positive","sentiment_score":0.35757538569825037,"num_words":14,"start":2.8799999,"end":10.0199995},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":10.8,"end":13.565001,"sentiment":"positive","sentiment_score":0.38624445687640796},{"text":"Is now still a good time for you?","start":13.565001,"end":15.184999,"sentiment":"neutral","sentiment_score":0.3174455091357231},{"text":"Yeah.","start":16.845,"end":17.345,"sentiment":"neutral","sentiment_score":0.14803698658943176},{"text":"Perfect.","start":17.805,"end":18.305,"sentiment":"positive","sentiment_score":0.39441514015197754},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.","start":18.845,"end":27.94,"sentiment":"neutral","sentiment_score":0.0189944347066264}],"sentiment":"neutral","sentiment_score":0.15229870579563654,"num_words":52,"start":10.8,"end":27.94},{"sentences":[{"text":"Yep.","start":28.32,"end":28.82,"sentiment":"neutral","sentiment_score":0.08034608513116837},{"text":"Perfect.","start":29.36,"end":29.86,"sentiment":"neutral","sentiment_score":0.27449047565460205},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":30.0,"end":38.685,"sentiment":"neutral","sentiment_score":0.05820867819993785},{"text":"Please?","start":38.685,"end":39.185,"sentiment":"neutral","sentiment_score":0.01483202911913395},{"text":"Yep.","start":44.205,"end":44.705,"sentiment":"neutral","sentiment_score":0.012578762136399746}],"sentiment":"neutral","sentiment_score":0.062246857638898735,"num_words":37,"start":28.32,"end":44.705},{"sentences":[{"text":"Yep.","start":48.205,"end":48.705,"sentiment":"neutral","sentiment_score":0.01525589358061552},{"text":"Yep.","start":56.46,"end":56.86,"sentiment":"neutral","sentiment_score":0.11996208131313324},{"text":"Beautiful.","start":56.86,"end":57.36,"sentiment":"positive","sentiment_score":0.5610726475715637},{"text":"That's exactly what I have here.","start":57.420002,"end":58.940002,"sentiment":"positive","sentiment_score":0.5440508822600046},{"text":"And and how's your day been so far?","start":58.940002,"end":60.620003,"sentiment":"neutral","sentiment_score":0.12009674962610006}],"sentiment":"neutral","sentiment_score":0.28949234782553773,"num_words":17,"start":48.205,"end":60.620003},{"sentences":[{"text":"Been busy?","start":60.620003,"end":61.36,"sentiment":"neutral","sentiment_score":0.00505576515570283},{"text":"Oh, lovely.","start":66.665,"end":67.325,"sentiment":"neutral","sentiment_score":0.09026289358735085},{"text":"Not too far away from us.","start":67.945,"end":69.565,"sentiment":"neutral","sentiment_score":-0.07357141127189},{"text":"Are you on a holiday or for work?","start":70.345,"end":73.405,"sentiment":"neutral","sentiment_score":-0.056237335316836834},{"text":"Oh, lovely.","start":76.345,"end":77.085,"sentiment":"neutral","sentiment_score":0.09708854556083679}],"sentiment":"neutral","sentiment_score":-0.025325637077912688,"num_words":20,"start":60.620003,"end":77.085},{"sentences":[{"text":"And how long are you guys gonna be over this day?","start":77.145,"end":82.99,"sentiment":"neutral","sentiment_score":0.030295334925705738},{"text":"Oh, nice.","start":84.97,"end":85.85,"sentiment":"neutral","sentiment_score":0.11281939409673214},{"text":"And do you have much planned while you're up here?","start":85.85,"end":88.03,"sentiment":"neutral","sentiment_score":0.03221051152795553},{"text":"Yeah.","start":92.329994,"end":92.595,"sentiment":"neutral","sentiment_score":0.04660097137093544},{"text":"Oh, nice.","start":96.675,"end":97.575005,"sentiment":"neutral","sentiment_score":0.2342291921377182}],"sentiment":"neutral","sentiment_score":0.053694305511621326,"num_words":26,"start":77.145,"end":97.575005},{"sentences":[{"text":"Beautiful.","start":98.515,"end":99.015,"sentiment":"positive","sentiment_score":0.3404911756515503},{"text":"Well, hopefully, the weather is good for you.","start":99.155,"end":101.415,"sentiment":"neutral","sentiment_score":0.24146852269768715},{"text":"Yeah.","start":104.755005,"end":105.255005,"sentiment":"neutral","sentiment_score":0.09002029895782471},{"text":"Hopefully, over the weekend, it's a bit nicer.","start":106.35,"end":108.45,"sentiment":"neutral","sentiment_score":0.3081598822027445},{"text":"Well, I will try not to keep you for too long, obviously, on on holiday.","start":110.03,"end":113.57,"sentiment":"neutral","sentiment_score":-0.10594797357916833}],"sentiment":"neutral","sentiment_score":0.09813088212500919,"num_words":33,"start":98.515,"end":113.57},{"sentences":[{"text":"Now before I do jump into things, Michael, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions that you might have or just a bit of an update and see where everything is at?","start":115.47,"end":130.69499,"sentiment":"neutral","sentiment_score":0.0931416959143602},{"text":"Mhmm.","start":137.16,"end":137.66,"sentiment":"neutral","sentiment_score":0.040291059762239456},{"text":"Yep.","start":140.68,"end":141.0,"sentiment":"neutral","sentiment_score":0.1479918658733368},{"text":"Okay.","start":141.0,"end":141.48,"sentiment":"positive","sentiment_score":0.4345189332962036},{"text":"Beautiful.","start":141.48,"end":141.98,"sentiment":"positive","sentiment_score":0.7160160541534424}],"sentiment":"neutral","sentiment_score":0.11039618036842772,"num_words":56,"start":115.47,"end":141.98},{"sentences":[{"text":"Now what I have done is to send you an email with some documents to go through, which does show your performance and where everything is at with your super and your insurance oh, sorry, with your superannuation.","start":143.16,"end":156.83499,"sentiment":"neutral","sentiment_score":0.23750634099307813},{"text":"Do you have access to your emails at the moment, Michael?","start":157.455,"end":161.8,"sentiment":"neutral","sentiment_score":0.022418662736361675},{"text":"Yep.","start":162.26,"end":162.76,"sentiment":"neutral","sentiment_score":-0.2622717022895813},{"text":"Okay.","start":164.74,"end":165.22,"sentiment":"neutral","sentiment_score":-0.08157011866569519},{"text":"That's okay.","start":165.22,"end":166.2,"sentiment":"neutral","sentiment_score":-0.014517339877784252}],"sentiment":"neutral","sentiment_score":0.16790508956841702,"num_words":53,"start":143.16,"end":166.2},{"sentences":[{"text":"If if it's a bit tricky for it to load, I can always go through it with you.","start":170.34,"end":175.745,"sentiment":"neutral","sentiment_score":-0.08298952567080657},{"text":"And then later, if if it takes a while to load, you can have a look at them.","start":176.045,"end":181.485,"sentiment":"neutral","sentiment_score":0.011604711723824343},{"text":"And if you have any questions, you can then let me know.","start":181.485,"end":183.985,"sentiment":"neutral","sentiment_score":0.0551228835247457},{"text":"Or if you do wanna wait for it to load, that's also completely fine.","start":184.44499,"end":192.98,"sentiment":"neutral","sentiment_score":-0.018586243436272656},{"text":"Okay.","start":192.98,"end":193.37999,"sentiment":"neutral","sentiment_score":0.06681322306394577}],"sentiment":"neutral","sentiment_score":-0.012965813234803222,"num_words":63,"start":170.34,"end":193.37999},{"sentences":[{"text":"No no worries at all.","start":193.37999,"end":195.15999,"sentiment":"neutral","sentiment_score":0.13972621709108352},{"text":"Now when it does load, you will see that you have received an email from me.","start":196.09999,"end":201.79999,"sentiment":"neutral","sentiment_score":0.16030114190652966},{"text":"Now it will ask you to click on a link, on a link to sign.","start":202.155,"end":206.495,"sentiment":"neutral","sentiment_score":0.1107291008035342},{"text":"It doesn't mean you will have to sign right away, though.","start":206.875,"end":209.75499,"sentiment":"neutral","sentiment_score":0.028365509753877468},{"text":"It will just, mean clicking on that link, it just allows you to open up the document, you will have a couple of different attachments.","start":209.75499,"end":227.87,"sentiment":"neutral","sentiment_score":0.090284923017025}],"sentiment":"neutral","sentiment_score":0.10407679931571086,"num_words":72,"start":193.37999,"end":227.87},{"sentences":[{"text":"Now the first one is a breakdown of your So at the moment, you have your super with HUB 24, and you do have a $1,633,000 or $250 in there.","start":228.32999,"end":245.36,"sentiment":"neutral","sentiment_score":0.0392168706903855},{"text":"Okay?","start":245.36,"end":245.86,"sentiment":"neutral","sentiment_score":0.03871661424636841},{"text":"Yep.","start":247.6,"end":248.1,"sentiment":"neutral","sentiment_score":0.06173432990908623},{"text":"Now you don't have any insurances either.","start":248.40001,"end":251.68001,"sentiment":"neutral","sentiment_score":-0.10970913831676755},{"text":"Are you still comfortable and happy without insurances?","start":251.68001,"end":254.595,"sentiment":"neutral","sentiment_score":-0.14178449474275112}],"sentiment":"neutral","sentiment_score":-0.01330389066579494,"num_words":47,"start":228.32999,"end":254.595},{"sentences":[{"text":"Perfect.","start":259.395,"end":259.895,"sentiment":"neutral","sentiment_score":0.05908125638961792},{"text":"Now the next document does break down your portfolio, your investments, and kind of happened in the last twelve months.","start":260.355,"end":269.97,"sentiment":"neutral","sentiment_score":0.10658226422965526},{"text":"So it shows you from the 08/15/2025 until the 08/14/2026.","start":270.59,"end":277.71,"sentiment":"neutral","sentiment_score":0.07685353234410286},{"text":"So it gives you a good kind of breakdown of your portfolio, your investments, and everything over the last twelve months.","start":277.71,"end":283.35498,"sentiment":"positive","sentiment_score":0.3445295627628054},{"text":"Now it shows you everything in net of a fees as well.","start":283.735,"end":286.775,"sentiment":"neutral","sentiment_score":0.11050955516596635}],"sentiment":"neutral","sentiment_score":0.18000777100678533,"num_words":64,"start":259.395,"end":286.775},{"sentences":[{"text":"So after fees have been deducted from your account, and it does break down your individual investments as well.","start":286.775,"end":294.555,"sentiment":"neutral","sentiment_score":0.09737027377674454},{"text":"Now on an overview, your portfolio so in the last twelve months, we have obviously seen a bit of fluctuation in the market.","start":294.935,"end":303.25,"sentiment":"neutral","sentiment_score":-0.03519909537356833},{"text":"I'm sure you've heard on the news, obviously, everything in The US and more recently with the war as well have seen a bit of fluctuation in the market.","start":303.71,"end":311.72998,"sentiment":"neutral","sentiment_score":-0.10467446120134716},{"text":"In saying that, though, your portfolio has still done pretty good.","start":312.59,"end":316.23502,"sentiment":"neutral","sentiment_score":0.32246468419378455},{"text":"So after fees in the last twelve months, it's up by 8.13%.","start":316.295,"end":321.435,"sentiment":"neutral","sentiment_score":0.2842971632877986}],"sentiment":"neutral","sentiment_score":0.052803979988427875,"num_words":94,"start":286.775,"end":321.435},{"sentences":[{"text":"Yep.","start":324.135,"end":324.635,"sentiment":"neutral","sentiment_score":0.1507520228624344},{"text":"Which equates to about $13,040, and that is just growth on your investment.","start":324.775,"end":331.47998,"sentiment":"neutral","sentiment_score":0.17561605515388343},{"text":"So that's not contribution.","start":331.47998,"end":333.02,"sentiment":"neutral","sentiment_score":-0.06134281866252422},{"text":"Okay?","start":333.72,"end":334.22,"sentiment":"neutral","sentiment_score":0.013051174581050873},{"text":"Yep.","start":335.8,"end":336.3,"sentiment":"neutral","sentiment_score":0.10391267389059068}],"sentiment":"neutral","sentiment_score":0.11526766568422317,"num_words":20,"start":324.135,"end":336.3},{"sentences":[{"text":"Now with your investments as well, when the document does decide to load for you, you can actually see how every individual investment has performed, and most of them have done really well.","start":336.59998,"end":349.365,"sentiment":"neutral","sentiment_score":0.16569544578140433},{"text":"There is one investment that is slightly underperforming a little bit at the moment, and that is your Benelong Australian equity investment.","start":349.50497,"end":359.53,"sentiment":"neutral","sentiment_score":-0.2829292477531867},{"text":"Do you are you quite familiar with the different type of investments at all there, Michael?","start":360.63,"end":365.29,"sentiment":"neutral","sentiment_score":-0.06911384151317179},{"text":"No.","start":370.07,"end":370.55002,"sentiment":"neutral","sentiment_score":-0.26037362217903137},{"text":"No.","start":370.55002,"end":370.79,"sentiment":"neutral","sentiment_score":-0.27316558361053467}],"sentiment":"neutral","sentiment_score":-0.032819923421699704,"num_words":73,"start":336.59998,"end":370.79},{"sentences":[{"text":"That's okay.","start":370.79,"end":371.79498,"sentiment":"neutral","sentiment_score":-0.18257752805948257},{"text":"So with Benelon, it is a managed fund.","start":372.335,"end":375.535,"sentiment":"neutral","sentiment_score":-0.13080345001071692},{"text":"So it is a little bit different through some of your other investments in that you you have a fund manager, and they're actively trying to buy and sell different investments in order to try to outperform the market.","start":375.535,"end":389.16,"sentiment":"neutral","sentiment_score":-0.16237455491836256},{"text":"Now they have been really successful and good in doing so, but more recently, they've been a little bit slower in making those decisions and are kind of slightly underperforming a little bit at the moment.","start":389.94,"end":401.24,"sentiment":"negative","sentiment_score":-0.34637049502796596},{"text":"But when it comes to your investments, we do want to be proactive in making sure that we always have you in the best options possible for you.","start":401.665,"end":410.48502,"sentiment":"neutral","sentiment_score":0.18147779149668558}],"sentiment":"neutral","sentiment_score":-0.13391283147894176,"num_words":113,"start":370.79,"end":410.48502},{"sentences":[{"text":"And if there is one that we foresee might not be the best option moving forward, then we wanna do the research and see if we can put you in a better position as well.","start":410.70502,"end":420.28998,"sentiment":"neutral","sentiment_score":0.04414808409554618},{"text":"So that's a really good thing with hub twenty four in that there's hundreds of different options for us to choose from to allow us to do that for you.","start":420.28998,"end":428.78998,"sentiment":"positive","sentiment_score":0.6310956100622813},{"text":"Because, obviously, things are always always changing, and what's the best for you when we spoke last year doesn't always mean it's the best, you know, each year that that comes.","start":429.00998,"end":439.23502,"sentiment":"neutral","sentiment_score":0.11200092516599162},{"text":"So it is kind of good to be proactive in that way.","start":439.23502,"end":442.295,"sentiment":"neutral","sentiment_score":0.32277965421477955},{"text":"So are you happy for me to do some research on that investment to see if there's a potential other option that we can have a look at for you?","start":442.67502,"end":452.57,"sentiment":"neutral","sentiment_score":0.3034752234816551}],"sentiment":"neutral","sentiment_score":0.26759197449554567,"num_words":138,"start":410.70502,"end":452.57},{"sentences":[{"text":"Yes?","start":454.55002,"end":455.05002,"sentiment":"neutral","sentiment_score":0.0711444765329361},{"text":"Yep.","start":456.39,"end":456.87,"sentiment":"neutral","sentiment_score":0.11509840190410614},{"text":"Perfect.","start":456.87,"end":457.37,"sentiment":"neutral","sentiment_score":0.2434958815574646},{"text":"So the Benelon is the one that is underperforming a little bit.","start":465.065,"end":469.70502,"sentiment":"neutral","sentiment_score":-0.006791274839391311},{"text":"The other one that you have is the BetaShares India.","start":469.70502,"end":474.78998,"sentiment":"neutral","sentiment_score":0.04121592678129673}],"sentiment":"neutral","sentiment_score":0.030416109189391135,"num_words":25,"start":454.55002,"end":474.78998},{"sentences":[{"text":"So that one is fluctuating a little bit as well, which is one of those satellite investments that can do that depending on what is going on.","start":475.16998,"end":483.18997,"sentiment":"neutral","sentiment_score":0.07228378082315128},{"text":"So I can do as as a part of the research, I'll probably have a look at everything for you just to see if we need to make any changes or anything else or whether we could see those kind of coming back around and still being good investment options for you moving forward.","start":484.305,"end":500.84003,"sentiment":"neutral","sentiment_score":0.21707865388856995},{"text":"Yep.","start":500.84003,"end":501.32,"sentiment":"neutral","sentiment_score":0.09662263095378876},{"text":"Pat, do you have any questions so far?","start":501.32,"end":503.5,"sentiment":"neutral","sentiment_score":0.06981817772611976},{"text":"No.","start":505.64,"end":506.04,"sentiment":"neutral","sentiment_score":-0.01077156327664852}],"sentiment":"neutral","sentiment_score":0.1573440206779556,"num_words":91,"start":475.16998,"end":506.04},{"sentences":[{"text":"Okay.","start":506.04,"end":506.54,"sentiment":"neutral","sentiment_score":0.09691061824560164},{"text":"Perfect.","start":507.08002,"end":507.58002,"sentiment":"neutral","sentiment_score":0.2990824580192566},{"text":"But, otherwise, overall, it's done really good.","start":508.04,"end":510.6,"sentiment":"positive","sentiment_score":0.41289769751685007},{"text":"Now some of your investments have, for example, your cybersecurity, that's up by about 33%, which is pretty crazy.","start":510.6,"end":520.10504,"sentiment":"positive","sentiment_score":0.34216826997305216},{"text":"The gold is 21%.","start":520.16504,"end":522.10504,"sentiment":"neutral","sentiment_score":0.3215913027524948}],"sentiment":"positive","sentiment_score":0.34605747810564935,"num_words":32,"start":506.04,"end":522.10504},{"sentences":[{"text":"So overall, a lot of the other investments have done well, which is great.","start":522.805,"end":526.46,"sentiment":"positive","sentiment_score":0.6685064860752651},{"text":"Now when it comes to your investments as well, so the next document you will see when it does load in is a Vanguard index chart.","start":529.24,"end":538.14,"sentiment":"neutral","sentiment_score":0.057218168647243425},{"text":"Now it's a little bit harder if you can't see that in front of you.","start":538.435,"end":541.79504,"sentiment":"neutral","sentiment_score":-0.04360790314773719},{"text":"But when you do have a look at it, you will see a a a graph, and it basically outlines the market from 1995 through to 2025.","start":541.79504,"end":554.62,"sentiment":"neutral","sentiment_score":0.094731323145054},{"text":"Now Vanguard does release one every single year, so the new one is due to be updated shortly.","start":554.62,"end":560.31995,"sentiment":"neutral","sentiment_score":0.15296365155114067}],"sentiment":"neutral","sentiment_score":0.15503736095502973,"num_words":100,"start":522.805,"end":560.31995},{"sentences":[{"text":"And it kind of shows you that over the long term, the market always goes up.","start":561.18,"end":566.06,"sentiment":"neutral","sentiment_score":0.12828403105959296},{"text":"The short term, you will have some ups and downs and market fluctuations depending on what is going on in the market and in the world.","start":566.06,"end":574.11505,"sentiment":"neutral","sentiment_score":0.0787865171352258},{"text":"It also kind of shows you the different asset classes and how that kind of correlates to time as well.","start":575.135,"end":581.79,"sentiment":"neutral","sentiment_score":0.11564263813197613},{"text":"So what I would like to do next is just to go through just another risk profile questionnaire with you to see if we need to make any changes to your risk profile to how the money is invested from a risk perspective in your superannuation.","start":582.02997,"end":597.25,"sentiment":"neutral","sentiment_score":0.11730178923386594},{"text":"So it is just multiple choice to make it nice and easy for you.","start":597.825,"end":601.84503,"sentiment":"positive","sentiment_score":0.44076364380972727}],"sentiment":"neutral","sentiment_score":0.14738049199346637,"num_words":122,"start":561.18,"end":601.84503},{"sentences":[{"text":"There is no right or wrong answer.","start":602.385,"end":604.54504,"sentiment":"neutral","sentiment_score":0.15060115179845265},{"text":"It's just whatever you feel is the most appropriate for you, and think about these questions as well in regards to your superannuation.","start":604.54504,"end":612.885,"sentiment":"neutral","sentiment_score":0.22434730503870093},{"text":"Does that make sense?","start":613.52997,"end":614.67,"sentiment":"neutral","sentiment_score":0.16093948483467102},{"text":"Yeah.","start":616.17,"end":616.49,"sentiment":"neutral","sentiment_score":0.2386976033449173},{"text":"Perfect.","start":616.49,"end":616.99,"sentiment":"positive","sentiment_score":0.4154189229011536}],"sentiment":"neutral","sentiment_score":0.20866862622400126,"num_words":36,"start":602.385,"end":616.99},{"sentences":[{"text":"Now the first question here is, have you ever bought direct shares yourself?","start":617.93,"end":622.19,"sentiment":"neutral","sentiment_score":0.09737786392752941},{"text":"Yep.","start":624.81,"end":625.305,"sentiment":"neutral","sentiment_score":0.07512030005455017},{"text":"Okay.","start":625.545,"end":625.785,"sentiment":"neutral","sentiment_score":0.12004656344652176},{"text":"Perfect.","start":625.785,"end":626.185,"sentiment":"neutral","sentiment_score":0.1812891960144043},{"text":"Do you still have personal investments?","start":626.185,"end":629.40497,"sentiment":"neutral","sentiment_score":0.06120605394244194}],"sentiment":"neutral","sentiment_score":0.09134566428309138,"num_words":22,"start":617.93,"end":629.40497},{"sentences":[{"text":"Yes.","start":634.825,"end":635.225,"sentiment":"neutral","sentiment_score":0.0322081558406353},{"text":"Yep.","start":635.225,"end":635.725,"sentiment":"neutral","sentiment_score":0.03624936938285827},{"text":"Either Just ETF managed fund.","start":638.02496,"end":640.55005,"sentiment":"neutral","sentiment_score":0.0216874897480011},{"text":"Do you have, like, any investments outside the superannuation in your own personal name?","start":640.55005,"end":644.89,"sentiment":"neutral","sentiment_score":0.026154674057449614},{"text":"Yep.","start":645.19,"end":645.69,"sentiment":"neutral","sentiment_score":0.04553406685590744}],"sentiment":"neutral","sentiment_score":0.02675429443744096,"num_words":22,"start":634.825,"end":645.69},{"sentences":[{"text":"And how much would you say you have roughly?","start":645.91003,"end":649.93005,"sentiment":"neutral","sentiment_score":0.029254446427027386},{"text":"Do you know?","start":652.07,"end":652.81006,"sentiment":"neutral","sentiment_score":0.020401777078708012},{"text":"And I'll just add it as an asset for you.","start":654.07,"end":656.365,"sentiment":"neutral","sentiment_score":0.07050854936242104},{"text":"Oh, beautiful.","start":660.185,"end":660.925,"sentiment":"positive","sentiment_score":0.3439219146966934},{"text":"And that's mainly ETFs, did you say, or it's a bit of a bit of everything?","start":661.145,"end":665.325,"sentiment":"neutral","sentiment_score":0.0820109136402607}],"sentiment":"neutral","sentiment_score":0.07573998225852847,"num_words":40,"start":645.91003,"end":665.325},{"sentences":[{"text":"Yep.","start":669.385,"end":669.78503,"sentiment":"neutral","sentiment_score":0.11406339704990388},{"text":"Okay.","start":669.78503,"end":670.28503,"sentiment":"neutral","sentiment_score":0.2585618495941162},{"text":"Perfect.","start":670.52,"end":670.84,"sentiment":"neutral","sentiment_score":0.260833740234375},{"text":"That's really good.","start":670.84,"end":672.14,"sentiment":"positive","sentiment_score":0.7903509140014648},{"text":"So you are obviously quite familiar then in a way with obviously market fluctuations and how things work.","start":673.24,"end":679.26,"sentiment":"neutral","sentiment_score":0.16777798905968666}],"sentiment":"neutral","sentiment_score":0.25102148049821454,"num_words":24,"start":669.385,"end":679.26},{"sentences":[{"text":"Yep.","start":681.56,"end":682.06,"sentiment":"neutral","sentiment_score":0.06398683786392212},{"text":"Yeah.","start":682.12,"end":682.6,"sentiment":"neutral","sentiment_score":0.2428812086582184},{"text":"Perfect.","start":682.6,"end":683.1,"sentiment":"positive","sentiment_score":0.49923837184906006},{"text":"Now at the moment, also, when it comes to your superannuation, I have here that, obviously, you have plenty of time until you can retire, but your your focus is to retire as soon as possible at the age of 60.","start":683.865,"end":699.56,"sentiment":"neutral","sentiment_score":0.09054819022010012},{"text":"Is that still the case?","start":699.62,"end":701.0,"sentiment":"neutral","sentiment_score":0.055451782792806624}],"sentiment":"neutral","sentiment_score":0.0978743088032518,"num_words":49,"start":681.56,"end":701.0},{"sentences":[{"text":"Yep.","start":704.74,"end":705.14,"sentiment":"neutral","sentiment_score":0.1534453183412552},{"text":"Perfect.","start":705.14,"end":705.64,"sentiment":"positive","sentiment_score":0.47495776414871216},{"text":"And I do have here a weekly income of about $1,500 per week, ideally, when you do retire.","start":706.33997,"end":713.975,"sentiment":"neutral","sentiment_score":0.26001326325866914},{"text":"Do you still think that's achievable?","start":714.355,"end":716.535,"sentiment":"neutral","sentiment_score":0.20583568265040716},{"text":"Do you think you need a little bit more, a little bit less?","start":716.595,"end":718.935,"sentiment":"neutral","sentiment_score":-0.01611047352735813}],"sentiment":"neutral","sentiment_score":0.16241589131263587,"num_words":39,"start":704.74,"end":718.935},{"sentences":[{"text":"That's fine.","start":722.035,"end":722.755,"sentiment":"neutral","sentiment_score":0.16931188851594925},{"text":"Okay.","start":722.755,"end":723.09,"sentiment":"neutral","sentiment_score":0.12312590330839156},{"text":"Perfect.","start":723.33,"end":723.83,"sentiment":"neutral","sentiment_score":0.2862238883972168},{"text":"Now, otherwise, when it comes to the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high Moderate.","start":725.97003,"end":739.055,"sentiment":"neutral","sentiment_score":-0.060492214193800464},{"text":"Yep.","start":741.675,"end":742.175,"sentiment":"neutral","sentiment_score":0.0029793954454362392}],"sentiment":"neutral","sentiment_score":-0.032021564595099236,"num_words":37,"start":722.035,"end":742.175},{"sentences":[{"text":"High to very high.","start":743.275,"end":744.075,"sentiment":"neutral","sentiment_score":0.007030499167740345},{"text":"And if you had to kind of lean more towards one, which one would you say?","start":744.075,"end":749.97003,"sentiment":"neutral","sentiment_score":-0.018388596596196294},{"text":"Very high.","start":749.97003,"end":750.61005,"sentiment":"neutral","sentiment_score":0.07667770236730576},{"text":"Yep.","start":750.61005,"end":751.11005,"sentiment":"neutral","sentiment_score":0.15325427055358887},{"text":"Beautiful.","start":751.17004,"end":751.67004,"sentiment":"positive","sentiment_score":0.3829567432403565}],"sentiment":"neutral","sentiment_score":0.0176446195691824,"num_words":24,"start":743.275,"end":751.67004},{"sentences":[{"text":"Now when it comes through volatilities or fluctuations, if, hypothetically speaking, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you if you had the option to do so, I think that now is potentially a good time to invest a little bit more while the prices are down, or would you be kind of a bit neutral, just hold and wait to see what happens with everything, or would you like to shift to a more secure asset?","start":754.45,"end":790.755,"sentiment":"neutral","sentiment_score":-0.044313690235496174},{"text":"But that means you are then also selling when the prices have dropped.","start":791.21497,"end":794.495,"sentiment":"neutral","sentiment_score":-0.10511009481090766},{"text":"Yes.","start":794.495,"end":794.995,"sentiment":"neutral","sentiment_score":0.0004043560475111008},{"text":"Yep.","start":803.39,"end":803.89,"sentiment":"neutral","sentiment_score":-0.05071748420596123},{"text":"Yep.","start":811.71,"end":812.21,"sentiment":"neutral","sentiment_score":0.0844714343547821}],"sentiment":"neutral","sentiment_score":-0.04978082955635169,"num_words":114,"start":754.45,"end":812.21},{"sentences":[{"text":"So sometimes potentially invest more, sometimes hold, sometimes shift depending on what what it is.","start":812.27,"end":819.745,"sentiment":"neutral","sentiment_score":0.04119523279368877},{"text":"Yep.","start":819.745,"end":820.065,"sentiment":"neutral","sentiment_score":0.21323394775390625},{"text":"That that's totally fair enough.","start":820.065,"end":822.805,"sentiment":"positive","sentiment_score":0.3474950432777405},{"text":"Now next one is when it comes to, again, fluctuations.","start":823.82495,"end":829.20496,"sentiment":"neutral","sentiment_score":0.013559598475694656},{"text":"So ever if any of your investments have fluctuates, whether that is superannuation or your personal investments, when they do fluctuate in value, would you say that seeing that makes you feel, you know, optimistic about potential opportunities, a bit more kind of cautious, not making further investments, or you will be quite concerned or anxious.","start":829.82495,"end":854.675,"sentiment":"neutral","sentiment_score":-0.025322157191112638}],"sentiment":"neutral","sentiment_score":0.014783825725317001,"num_words":87,"start":812.27,"end":854.675},{"sentences":[{"text":"Portion.","start":865.31006,"end":865.81006,"sentiment":"neutral","sentiment_score":0.041713472455739975},{"text":"Yep.","start":868.91003,"end":869.41003,"sentiment":"neutral","sentiment_score":-0.005563657730817795},{"text":"Yep.","start":869.63,"end":870.13,"sentiment":"neutral","sentiment_score":0.025892730802297592},{"text":"And some of these questions is hard because it's all hypothetical.","start":870.59,"end":873.725,"sentiment":"neutral","sentiment_score":-0.16309817846525798},{"text":"So sorry.","start":874.745,"end":875.305,"sentiment":"neutral","sentiment_score":-0.22569095343351364}],"sentiment":"neutral","sentiment_score":-0.13646370777860284,"num_words":16,"start":865.31006,"end":875.305},{"sentences":[{"text":"It does make it a little bit tricky, which is fine.","start":875.305,"end":877.96497,"sentiment":"neutral","sentiment_score":-0.23223694617098029},{"text":"Now the last question here, Michael, is in regards to borrowing money.","start":879.145,"end":882.685,"sentiment":"neutral","sentiment_score":-0.029945732249567907},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":882.985,"end":888.01,"sentiment":"neutral","sentiment_score":0.008624106893936794},{"text":"Yep.","start":898.14996,"end":898.64996,"sentiment":"neutral","sentiment_score":0.2981327772140503},{"text":"Perfect.","start":898.79,"end":899.19,"sentiment":"positive","sentiment_score":0.5641058087348938}],"sentiment":"neutral","sentiment_score":-0.04805887513794005,"num_words":40,"start":875.305,"end":899.19},{"sentences":[{"text":"If the circumstances and situation is right, potentially.","start":899.19,"end":902.40497,"sentiment":"positive","sentiment_score":0.37837498262524605},{"text":"Now that tells me here that you have come out as a high growth investor, which is the current portfolio we do have you invested in, so that's good.","start":903.665,"end":913.365,"sentiment":"positive","sentiment_score":0.4033549910989301},{"text":"Do you remember what it means to be a high growth investor at all?","start":913.52,"end":917.7,"sentiment":"neutral","sentiment_score":0.15020471013018064},{"text":"Yeah.","start":924.08,"end":924.56,"sentiment":"neutral","sentiment_score":0.17512327432632446},{"text":"Definitely.","start":924.56,"end":925.06,"sentiment":"neutral","sentiment_score":0.24938391149044037}],"sentiment":"neutral","sentiment_score":0.32550316472660823,"num_words":53,"start":899.19,"end":925.06},{"sentences":[{"text":"So can very be.","start":925.12,"end":926.255,"sentiment":"neutral","sentiment_score":0.2794901579618454},{"text":"So you do have the the combination, obviously, where you are wanting to maximize growth in superannuation, you know, while you still have plenty of time until you do retire or when you can access your superannuation anyway.","start":926.255,"end":939.31,"sentiment":"neutral","sentiment_score":0.22961748724705294},{"text":"But, also, like you said, that you are, you know, comfortable and understand that there will be some short term level of fluctuation in order to achieve that growth.","start":939.77,"end":949.95,"sentiment":"neutral","sentiment_score":0.07428783599030354},{"text":"Now typically speaking as well in a high growth portfolio, we see about 90% invested in what we would call your growth investments, which is a a combination of Australian shares, international shares, and property, which is going to give you that growth.","start":951.05005,"end":968.87,"sentiment":"neutral","sentiment_score":0.1369215664995271},{"text":"And then we do have about 10% in defensive, like your cash, your gold, your fixed interest, but that limit fluctuations a little bit.","start":969.17,"end":978.23,"sentiment":"neutral","sentiment_score":0.10951191869874795}],"sentiment":"neutral","sentiment_score":0.1486498970956798,"num_words":138,"start":925.12,"end":978.23},{"sentences":[{"text":"And, also, when it comes to time frame, so making sure you have enough time in the market for those fluctuation, typically, in a high growth portfolio, we do wanna allow at least eight years until retirement.","start":978.85,"end":989.84503,"sentiment":"neutral","sentiment_score":0.07605727852599041},{"text":"So at the moment, obviously, you you have that time behind you as long as you are still comfortable with a high growth portfolio.","start":991.10504,"end":998.33997,"sentiment":"neutral","sentiment_score":0.08338781803225477},{"text":"You're still comfortable?","start":1001.51996,"end":1002.42,"sentiment":"neutral","sentiment_score":0.2774461458126704},{"text":"Okay.","start":1002.48,"end":1002.95996,"sentiment":"positive","sentiment_score":0.4311598241329193},{"text":"Perfect.","start":1002.95996,"end":1003.45996,"sentiment":"positive","sentiment_score":0.638659656047821}],"sentiment":"neutral","sentiment_score":0.10178158872506836,"num_words":66,"start":978.85,"end":1003.45996},{"sentences":[{"text":"And that kind of shows you in that Vanguard chart as well in the email.","start":1004.0,"end":1008.245,"sentiment":"positive","sentiment_score":0.5269322693347931},{"text":"It kind of breaks down the different asset classes, which is good.","start":1008.245,"end":1012.825,"sentiment":"positive","sentiment_score":0.5100597018996874},{"text":"Now what I will also go through is just a bit of an updated fact find with you just to see if there's anything else or anything major that has changed in your life.","start":1014.245,"end":1025.01,"sentiment":"neutral","sentiment_score":0.03471034836462315},{"text":"If part of the reason, I do have a look at those investments, if there's any other tweaks and changes we have to do to your advice.","start":1025.55,"end":1032.37,"sentiment":"neutral","sentiment_score":0.036773342018326126},{"text":"So just kind of bear with me as I do go through this information.","start":1033.005,"end":1036.465,"sentiment":"neutral","sentiment_score":0.03474727352815015}],"sentiment":"neutral","sentiment_score":0.16357053305004157,"num_words":102,"start":1004.0,"end":1036.465},{"sentences":[{"text":"Now when it comes to your personal details, I have you down here as in, that you are in a de facto relationship dependent.","start":1038.045,"end":1047.2001,"sentiment":"neutral","sentiment_score":0.005280133492002885},{"text":"Is that correct?","start":1047.26,"end":1048.0801,"sentiment":"neutral","sentiment_score":0.007785710195700328},{"text":"Yep.","start":1050.14,"end":1050.64,"sentiment":"neutral","sentiment_score":-0.03773187845945358},{"text":"Oh, lovely.","start":1052.78,"end":1053.74,"sentiment":"neutral","sentiment_score":0.23909087479114532},{"text":"I will update that.","start":1053.74,"end":1054.9401,"sentiment":"neutral","sentiment_score":0.29976120591163635}],"sentiment":"neutral","sentiment_score":0.052634559681310374,"num_words":34,"start":1038.045,"end":1054.9401},{"sentences":[{"text":"Congratulations.","start":1054.9401,"end":1055.4401,"sentiment":"positive","sentiment_score":0.3541801869869232},{"text":"When did you get married?","start":1055.98,"end":1057.28,"sentiment":"neutral","sentiment_score":0.07832684591412545},{"text":"Lovely.","start":1061.125,"end":1061.625,"sentiment":"positive","sentiment_score":0.4035219252109528},{"text":"I will definitely update that.","start":1062.645,"end":1064.505,"sentiment":"positive","sentiment_score":0.407185834646225},{"text":"And next up, can I have Emmy nominated?","start":1064.885,"end":1068.905,"sentiment":"neutral","sentiment_score":0.11991074308753014}],"sentiment":"neutral","sentiment_score":0.20722757298499345,"num_words":20,"start":1054.9401,"end":1068.905},{"sentences":[{"text":"That's still the case as well.","start":1069.9401,"end":1071.22,"sentiment":"neutral","sentiment_score":0.12552410612503687},{"text":"You're happy with that?","start":1071.22,"end":1072.36,"sentiment":"neutral","sentiment_score":0.23410309851169586},{"text":"Yep.","start":1074.1,"end":1074.42,"sentiment":"neutral","sentiment_score":0.09934698045253754},{"text":"Beautiful.","start":1074.42,"end":1074.92,"sentiment":"neutral","sentiment_score":0.238991379737854},{"text":"Now occupation wise, has any of that changed for you, or you're still a electrical engineer?","start":1075.54,"end":1081.16,"sentiment":"neutral","sentiment_score":0.02778964617755264}],"sentiment":"neutral","sentiment_score":0.08830463320815138,"num_words":28,"start":1069.9401,"end":1081.16},{"sentences":[{"text":"Yep.","start":1083.7,"end":1084.02,"sentiment":"neutral","sentiment_score":0.0694618970155716},{"text":"Perfect.","start":1084.02,"end":1084.5,"sentiment":"neutral","sentiment_score":0.1991213858127594},{"text":"Still for the same 196,000.","start":1084.5,"end":1092.7949,"sentiment":"neutral","sentiment_score":0.08377842903137207},{"text":"Do you know if that's still the case?","start":1092.7949,"end":1094.335,"sentiment":"neutral","sentiment_score":0.02298434847034514},{"text":"Still the case.","start":1096.5549,"end":1097.275,"sentiment":"neutral","sentiment_score":0.0810191420217355}],"sentiment":"neutral","sentiment_score":0.06191153565628661,"num_words":18,"start":1083.7,"end":1097.275},{"sentences":[{"text":"Yep.","start":1097.275,"end":1097.595,"sentiment":"neutral","sentiment_score":0.20703718066215515},{"text":"Beautiful.","start":1097.595,"end":1098.095,"sentiment":"positive","sentiment_score":0.6160576343536377},{"text":"And I have here that your employer pays you that standard 12% contribution.","start":1099.355,"end":1103.63,"sentiment":"neutral","sentiment_score":0.14075044026741615},{"text":"Now I know that when we spoke last year, we were looking at doing a little bit of salary sacrifice.","start":1104.97,"end":1110.91,"sentiment":"neutral","sentiment_score":-0.03768689464777708},{"text":"Is that still something you are interested in or or not really right now?","start":1112.33,"end":1116.265,"sentiment":"neutral","sentiment_score":-0.032297736299889426}],"sentiment":"neutral","sentiment_score":0.02952947627220835,"num_words":49,"start":1097.275,"end":1116.265},{"sentences":[{"text":"Because I can see it within your account that it's just from your employer at the moment.","start":1116.265,"end":1120.6849,"sentiment":"neutral","sentiment_score":0.02889048165696509},{"text":"Nope.","start":1123.465,"end":1123.785,"sentiment":"neutral","sentiment_score":-0.1492924690246582},{"text":"That's all good.","start":1123.785,"end":1125.085,"sentiment":"neutral","sentiment_score":0.12486158063014348},{"text":"You still because you're in a high income earner, you still get a pretty good amount of contributions from your employer, which is great, which will obviously help boost that super for you.","start":1125.785,"end":1134.9,"sentiment":"positive","sentiment_score":0.4911284157724092},{"text":"Now I also just wanna confirm the assets I have listed here to see if anything has changed.","start":1136.1599,"end":1140.735,"sentiment":"neutral","sentiment_score":0.10793973070879777}],"sentiment":"neutral","sentiment_score":0.2620358796428061,"num_words":72,"start":1116.265,"end":1140.735},{"sentences":[{"text":"So I have your property vied at about 600,000.","start":1140.735,"end":1144.915,"sentiment":"neutral","sentiment_score":0.06388150528073311},{"text":"Does that sound about right?","start":1145.295,"end":1146.755,"sentiment":"neutral","sentiment_score":0.03782104812562466},{"text":"Yep.","start":1146.895,"end":1147.395,"sentiment":"neutral","sentiment_score":0.023418864235281944},{"text":"And I have a mortgage of about $4.80.","start":1148.255,"end":1150.835,"sentiment":"neutral","sentiment_score":0.028700539143756032},{"text":"Yep.","start":1153.0549,"end":1153.5549,"sentiment":"neutral","sentiment_score":0.046538978815078735}],"sentiment":"neutral","sentiment_score":0.04431670601479709,"num_words":24,"start":1140.735,"end":1153.5549},{"sentences":[{"text":"I also have a motor vehicle of about 25,000 with nothing owing.","start":1153.615,"end":1158.64,"sentiment":"neutral","sentiment_score":0.031017916665102046},{"text":"Is that correct as well?","start":1158.64,"end":1160.1,"sentiment":"neutral","sentiment_score":0.02582898233085871},{"text":"Sorry.","start":1168.0549,"end":1168.215,"sentiment":"neutral","sentiment_score":-0.059544943273067474},{"text":"I think I lost you there as well.","start":1168.215,"end":1169.495,"sentiment":"neutral","sentiment_score":-0.11179482843726873},{"text":"Is do you still have that motor vehicle?","start":1169.495,"end":1171.355,"sentiment":"neutral","sentiment_score":-0.03413796750828624}],"sentiment":"neutral","sentiment_score":-0.021342570564764386,"num_words":34,"start":1153.615,"end":1171.355},{"sentences":[{"text":"Yeah.","start":1172.775,"end":1173.1749,"sentiment":"neutral","sentiment_score":0.020495928823947903},{"text":"Yeah.","start":1173.1749,"end":1173.6749,"sentiment":"neutral","sentiment_score":0.040557678788900375},{"text":"Perfect.","start":1174.0549,"end":1174.5549,"sentiment":"neutral","sentiment_score":0.14913862943649292},{"text":"I also have an offset account of about $3.20, the 320,000 in the offset account.","start":1175.095,"end":1185.74,"sentiment":"neutral","sentiment_score":0.043000128616889316},{"text":"Four 80.","start":1186.44,"end":1187.34,"sentiment":"neutral","sentiment_score":0.016067393589764833}],"sentiment":"neutral","sentiment_score":0.044366447674110535,"num_words":20,"start":1172.775,"end":1187.34},{"sentences":[{"text":"Yep.","start":1188.5199,"end":1189.0199,"sentiment":"neutral","sentiment_score":0.053723886609077454},{"text":"Yeah.","start":1190.84,"end":1191.1599,"sentiment":"neutral","sentiment_score":0.1252770572900772},{"text":"Oh, that's lovely.","start":1191.1599,"end":1192.0599,"sentiment":"positive","sentiment_score":0.4076051612695058},{"text":"That's great.","start":1192.2,"end":1193.0199,"sentiment":"positive","sentiment_score":0.569996565580368},{"text":"And then I added the personal investments.","start":1194.145,"end":1196.245,"sentiment":"neutral","sentiment_score":0.14655091719967978}],"sentiment":"neutral","sentiment_score":0.2548332842332976,"num_words":14,"start":1188.5199,"end":1196.245},{"sentences":[{"text":"Any other assets we haven't gone through?","start":1197.345,"end":1199.605,"sentiment":"neutral","sentiment_score":0.03661229567868369},{"text":"That's alright.","start":1201.905,"end":1202.465,"sentiment":"neutral","sentiment_score":0.07613106817007065},{"text":"Perfect.","start":1202.465,"end":1202.965,"sentiment":"neutral","sentiment_score":0.14470472931861875},{"text":"Now do you have any other liabilities, like personal loans or credit card or ZipPay?","start":1203.345,"end":1208.07,"sentiment":"neutral","sentiment_score":0.021677829697728156},{"text":"Nope.","start":1209.8099,"end":1210.3099,"sentiment":"neutral","sentiment_score":0.01799686625599861}],"sentiment":"neutral","sentiment_score":0.03447758642813334,"num_words":26,"start":1197.345,"end":1210.3099},{"sentences":[{"text":"Lovely.","start":1210.37,"end":1210.87,"sentiment":"neutral","sentiment_score":0.12708920240402222},{"text":"And when it comes to health and lifestyle, I have you down here as a.","start":1211.01,"end":1217.59,"sentiment":"neutral","sentiment_score":0.060197164118289945},{"text":"Is that still the case?","start":1218.375,"end":1219.675,"sentiment":"neutral","sentiment_score":0.018045590445399284},{"text":"Yep.","start":1221.415,"end":1221.915,"sentiment":"neutral","sentiment_score":0.038613926619291306},{"text":"Yep.","start":1221.975,"end":1222.375,"sentiment":"neutral","sentiment_score":0.06511184573173523}],"sentiment":"neutral","sentiment_score":0.05321740820679976,"num_words":23,"start":1210.37,"end":1222.375},{"sentences":[{"text":"Perfect.","start":1222.375,"end":1222.875,"sentiment":"neutral","sentiment_score":0.17256605625152588},{"text":"And any changes to your health?","start":1222.935,"end":1225.095,"sentiment":"neutral","sentiment_score":0.056025891875227295},{"text":"Any health issues or injuries or anything in the last twelve months?","start":1225.095,"end":1229.1951,"sentiment":"neutral","sentiment_score":0.010302472083518902},{"text":"No.","start":1230.775,"end":1231.015,"sentiment":"neutral","sentiment_score":-0.08750531077384949},{"text":"Everything's going good.","start":1231.015,"end":1232.375,"sentiment":"neutral","sentiment_score":0.08124763518571854}],"sentiment":"neutral","sentiment_score":0.03428646379514881,"num_words":23,"start":1222.375,"end":1232.375},{"sentences":[{"text":"Perfect.","start":1232.375,"end":1232.875,"sentiment":"positive","sentiment_score":0.383010059595108},{"text":"And do you have private health insurance?","start":1235.07,"end":1237.09,"sentiment":"neutral","sentiment_score":0.057015945868832726},{"text":"Yep.","start":1239.07,"end":1239.39,"sentiment":"neutral","sentiment_score":0.10968594253063202},{"text":"Perfect.","start":1239.39,"end":1239.89,"sentiment":"positive","sentiment_score":0.5122500658035278},{"text":"And that is hospital cover as well?","start":1240.03,"end":1242.13,"sentiment":"neutral","sentiment_score":0.1710551115018981}],"sentiment":"neutral","sentiment_score":0.1530260864426108,"num_words":17,"start":1232.375,"end":1242.13},{"sentences":[{"text":"Yep.","start":1243.39,"end":1243.79,"sentiment":"neutral","sentiment_score":0.16727077960968018},{"text":"Great.","start":1243.79,"end":1244.29,"sentiment":"positive","sentiment_score":0.5716345310211182},{"text":"Now when it comes to estate planning, do you know if you have a will or part of attorney or anything like that in place?","start":1245.47,"end":1252.195,"sentiment":"neutral","sentiment_score":0.10085760325193405},{"text":"No.","start":1255.455,"end":1255.855,"sentiment":"neutral","sentiment_score":-0.2040994763374329},{"text":"That's okay.","start":1255.855,"end":1256.755,"sentiment":"neutral","sentiment_score":-0.09410351514816284}],"sentiment":"neutral","sentiment_score":0.09560129617651304,"num_words":30,"start":1243.39,"end":1256.755},{"sentences":[{"text":"And when it comes through your superannuation, I can see at the moment that we don't have a current nomination on file for you.","start":1258.015,"end":1266.89,"sentiment":"neutral","sentiment_score":-0.04161781367535392},{"text":"Do you remember receiving those forms in the post by any chance?","start":1267.4299,"end":1271.9299,"sentiment":"neutral","sentiment_score":-0.026068652980029583},{"text":"No.","start":1278.245,"end":1278.745,"sentiment":"neutral","sentiment_score":-0.14616236090660095},{"text":"That's okay.","start":1278.885,"end":1279.785,"sentiment":"neutral","sentiment_score":-0.02546519972383976},{"text":"What I can do is I can get them resent to you.","start":1280.565,"end":1283.845,"sentiment":"neutral","sentiment_score":0.08292587660253048}],"sentiment":"neutral","sentiment_score":-0.010071247158681644,"num_words":51,"start":1258.015,"end":1283.845},{"sentences":[{"text":"Basically, what it is is for you to make a legal nomination of who you want to receive your superannuation if something ever were to happen to you.","start":1283.845,"end":1294.36,"sentiment":"neutral","sentiment_score":0.05647035488592727},{"text":"So it is important, obviously, to make sure everything does go through the person or people that you would like it to go through to make it a bit more streamlined.","start":1294.5801,"end":1304.495,"sentiment":"neutral","sentiment_score":0.09871560551466481},{"text":"Now do you have access to a printer at all if we email it through you, or do you prefer post?","start":1305.6749,"end":1311.215,"sentiment":"neutral","sentiment_score":0.03377543292230084},{"text":"Yep.","start":1316.075,"end":1316.575,"sentiment":"neutral","sentiment_score":0.08086395263671875},{"text":"Okay.","start":1317.4349,"end":1317.81,"sentiment":"neutral","sentiment_score":0.15346230566501615}],"sentiment":"neutral","sentiment_score":0.0681093177735442,"num_words":82,"start":1283.845,"end":1317.81},{"sentences":[{"text":"So you're happy with it to be emailed to you?","start":1317.89,"end":1320.2301,"sentiment":"neutral","sentiment_score":0.3324331149458885},{"text":"Yep.","start":1321.4901,"end":1321.89,"sentiment":"neutral","sentiment_score":0.20687846839427948},{"text":"Perfect.","start":1321.89,"end":1322.39,"sentiment":"positive","sentiment_score":0.4721483290195465},{"text":"That way as well, it will go to your email.","start":1322.6101,"end":1325.3301,"sentiment":"neutral","sentiment_score":0.33229478895664216},{"text":"You'll have a copy there, which is good if it ever gets lost.","start":1325.3301,"end":1329.1101,"sentiment":"neutral","sentiment_score":0.32252997618455154}],"sentiment":"neutral","sentiment_score":0.3291198721953801,"num_words":35,"start":1317.89,"end":1329.1101},{"sentences":[{"text":"You just need to print it off a wet sign it and then send it back just because you are making that legal nominations.","start":1329.3301,"end":1336.395,"sentiment":"neutral","sentiment_score":0.20102043729275465},{"text":"I will get the team to send that out to you.","start":1336.775,"end":1339.355,"sentiment":"neutral","sentiment_score":0.25473908402703027},{"text":"Do you have any questions in regards to who to nominate or how it works or anything?","start":1339.655,"end":1344.78,"sentiment":"neutral","sentiment_score":0.06954046316883143},{"text":"No.","start":1347.02,"end":1347.52,"sentiment":"neutral","sentiment_score":-0.1913115382194519},{"text":"Okay.","start":1347.5801,"end":1347.98,"sentiment":"neutral","sentiment_score":-0.06919265538454056}],"sentiment":"neutral","sentiment_score":0.15830192777017751,"num_words":54,"start":1329.3301,"end":1347.98},{"sentences":[{"text":"Beautiful.","start":1347.98,"end":1348.48,"sentiment":"neutral","sentiment_score":0.1888667345046997},{"text":"Now, otherwise, are you politically exposed at all or a tax resident in any foreign jurisdiction?","start":1349.8201,"end":1358.24,"sentiment":"neutral","sentiment_score":-0.20655797002837062},{"text":"No.","start":1360.305,"end":1360.705,"sentiment":"neutral","sentiment_score":-0.1945979744195938},{"text":"Lovely.","start":1360.705,"end":1361.205,"sentiment":"neutral","sentiment_score":-0.04309561103582382},{"text":"And when it comes to our guest goals, so stuff that you are working towards or that you are wanting to achieve, during the annual review, it's also a good kind of touch point to see if anything has changed, if anything has been achieved, or how things are going.","start":1362.305,"end":1375.6901,"sentiment":"neutral","sentiment_score":0.30960106968879697}],"sentiment":"neutral","sentiment_score":0.17574346540630728,"num_words":69,"start":1347.98,"end":1375.6901},{"sentences":[{"text":"So last time we spoke, your main focus was to pay down the mortgage as much as possible, which you guys basically have because it's sitting in the offset for you, which is great.","start":1376.31,"end":1387.905,"sentiment":"positive","sentiment_score":0.4078797176480293},{"text":"And then maybe look at some other investments outside Super, which you obviously have a little bit.","start":1389.245,"end":1396.285,"sentiment":"neutral","sentiment_score":0.09887533459593267},{"text":"Is this still kind of something you guys are working towards, like an investment property or any other types of investments?","start":1396.285,"end":1402.36,"sentiment":"neutral","sentiment_score":0.049546095941747935},{"text":"Yep.","start":1409.3,"end":1409.4601,"sentiment":"neutral","sentiment_score":0.05061617493629456},{"text":"No.","start":1409.4601,"end":1409.78,"sentiment":"neutral","sentiment_score":0.038166869431734085}],"sentiment":"neutral","sentiment_score":0.22537894793660254,"num_words":74,"start":1376.31,"end":1409.78},{"sentences":[{"text":"Perfect.","start":1409.78,"end":1410.28,"sentiment":"neutral","sentiment_score":0.32586243748664856},{"text":"Then do you guys have any other financial or nonfinancial goals that you guys are working towards at all?","start":1410.42,"end":1416.745,"sentiment":"neutral","sentiment_score":0.08835073815364587},{"text":"Yes.","start":1420.245,"end":1420.745,"sentiment":"neutral","sentiment_score":0.0723458081483841},{"text":"Yes.","start":1422.005,"end":1422.505,"sentiment":"neutral","sentiment_score":0.022400766611099243},{"text":"No.","start":1422.645,"end":1423.145,"sentiment":"neutral","sentiment_score":-0.013092715293169022}],"sentiment":"neutral","sentiment_score":0.09070349225531453,"num_words":23,"start":1409.78,"end":1423.145},{"sentences":[{"text":"No.","start":1423.6,"end":1423.84,"sentiment":"neutral","sentiment_score":0.07310084998607635},{"text":"That is good.","start":1423.84,"end":1425.0399,"sentiment":"positive","sentiment_score":0.4325827856858571},{"text":"And you guys are you are in a good position with, obviously, plenty of time under retirement, obviously, everything in the offset account, which is beautiful.","start":1425.0399,"end":1434.0,"sentiment":"positive","sentiment_score":0.5903199234834084},{"text":"You do have personal investments to diversify, and you are on that high income as well.","start":1434.0,"end":1438.835,"sentiment":"positive","sentiment_score":0.6198641825467348},{"text":"So a lot of opportunities for that, which is wonderful.","start":1438.835,"end":1442.695,"sentiment":"positive","sentiment_score":0.7347228050231933}],"sentiment":"positive","sentiment_score":0.6068611105105707,"num_words":56,"start":1423.6,"end":1442.695},{"sentences":[{"text":"Now the last couple of documents in the email when it does load for you, Michael, there is two documents that will require your signature if you're happy to do so.","start":1444.275,"end":1455.64,"sentiment":"neutral","sentiment_score":0.18584433246043422},{"text":"One is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":1456.26,"end":1464.5951,"sentiment":"neutral","sentiment_score":0.3224587616595355},{"text":"Now this one here as well, there is no changes whatsoever in regards to the fee structure for you.","start":1465.135,"end":1472.275,"sentiment":"neutral","sentiment_score":0.14297466332975187},{"text":"Because, obviously, your wife is a client as well, you are on that reduced couple fee at 1.1 from superannuation.","start":1472.895,"end":1482.42,"sentiment":"neutral","sentiment_score":0.3035044476389885},{"text":"So that stays exactly the same for you.","start":1482.88,"end":1485.46,"sentiment":"positive","sentiment_score":0.40708354488015175}],"sentiment":"neutral","sentiment_score":0.24898542977869512,"num_words":100,"start":1444.275,"end":1485.46},{"sentences":[{"text":"And it is also not a lock in contract.","start":1485.68,"end":1488.08,"sentiment":"neutral","sentiment_score":0.07647131424811152},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1488.08,"end":1492.1,"sentiment":"neutral","sentiment_score":-0.015730062706602946},{"text":"But, otherwise, by signing this one, it just allows us to manage all your investments and everything for you in the meantime.","start":1492.56,"end":1499.165,"sentiment":"positive","sentiment_score":0.38714074478908017},{"text":"Does that all make sense?","start":1499.625,"end":1500.925,"sentiment":"neutral","sentiment_score":0.25870580971241},{"text":"Yep.","start":1502.265,"end":1502.665,"sentiment":"positive","sentiment_score":0.3534955382347107}],"sentiment":"neutral","sentiment_score":0.19216766675764865,"num_words":55,"start":1485.68,"end":1502.665},{"sentences":[{"text":"Perfect.","start":1502.665,"end":1503.165,"sentiment":"positive","sentiment_score":0.6900925636291504},{"text":"Now the other document, it is just a tax file number form.","start":1503.625,"end":1507.385,"sentiment":"neutral","sentiment_score":0.2903623792032401},{"text":"It is a compliance form basically saying that we are keeping your tax file number secure and safe on file.","start":1507.385,"end":1513.49,"sentiment":"neutral","sentiment_score":0.3138447619974613},{"text":"So those two documents, it will ask for your signature if you're happy to do so, obviously, when you can access your email.","start":1514.2699,"end":1521.8899,"sentiment":"neutral","sentiment_score":0.2809653191462807},{"text":"And you also have a copy of the new services guides included in the email.","start":1523.015,"end":1529.4349,"sentiment":"neutral","sentiment_score":0.22387690941492716}],"sentiment":"neutral","sentiment_score":0.2855167934592341,"num_words":71,"start":1502.665,"end":1529.4349},{"sentences":[{"text":"You would have seen this a couple of times before, but it's essentially just gives you all the important information in regards to us here I spoke to you.","start":1529.975,"end":1537.835,"sentiment":"neutral","sentiment_score":0.26540029151686306},{"text":"So that was essentially all the documents and stuff that I needed to run through with you.","start":1538.14,"end":1543.36,"sentiment":"neutral","sentiment_score":0.2654924462823307},{"text":"Do you have any questions or anything else you would like to address before I let you get back to your holiday?","start":1543.5,"end":1550.415,"sentiment":"neutral","sentiment_score":0.14789033715020528},{"text":"Matt?","start":1552.9751,"end":1553.4751,"sentiment":"neutral","sentiment_score":0.20010906457901},{"text":"Yep.","start":1553.535,"end":1553.935,"sentiment":"positive","sentiment_score":0.3569747805595398}],"sentiment":"neutral","sentiment_score":0.22886644718902452,"num_words":70,"start":1529.975,"end":1553.935},{"sentences":[{"text":"Beautiful.","start":1553.935,"end":1554.435,"sentiment":"positive","sentiment_score":0.6543174386024475},{"text":"So what I will do while I have you on the phone is just to book in a time for us to go through the research, on your investments.","start":1554.735,"end":1562.5951,"sentiment":"neutral","sentiment_score":0.32289508139264994},{"text":"So when is a best time for yourself to do that?","start":1564.35,"end":1568.93,"sentiment":"neutral","sentiment_score":0.12583467093381015},{"text":"It will take me about a week to put together.","start":1575.23,"end":1578.29,"sentiment":"neutral","sentiment_score":0.026295382529497147},{"text":"So I would say the earliest is probably the, say, next week.","start":1578.605,"end":1584.865,"sentiment":"neutral","sentiment_score":0.02021821852152546}],"sentiment":"neutral","sentiment_score":0.18901632740975371,"num_words":63,"start":1553.935,"end":1584.865},{"sentences":[{"text":"Next.","start":1589.725,"end":1590.225,"sentiment":"neutral","sentiment_score":0.030874105170369148},{"text":"Okay.","start":1590.605,"end":1590.925,"sentiment":"neutral","sentiment_score":0.048708733171224594},{"text":"Anytime.","start":1590.925,"end":1591.405,"sentiment":"neutral","sentiment_score":0.05335155129432678},{"text":"Okay.","start":1591.405,"end":1591.645,"sentiment":"neutral","sentiment_score":0.16760846972465515},{"text":"Beautiful.","start":1591.645,"end":1592.125,"sentiment":"positive","sentiment_score":0.4274302124977112}],"sentiment":"neutral","sentiment_score":0.14559461437165738,"num_words":5,"start":1589.725,"end":1592.125},{"sentences":[{"text":"Let me have a look here.","start":1592.125,"end":1593.44,"sentiment":"neutral","sentiment_score":0.18609617898861566},{"text":"Now I could do so you'll be back in WA then, right, just for time differences?","start":1593.44,"end":1598.74,"sentiment":"neutral","sentiment_score":0.058572710724547505},{"text":"Perfect.","start":1599.44,"end":1599.94,"sentiment":"neutral","sentiment_score":0.23431414365768433},{"text":"Now what I could do is I could do three o'clock, which will be 01:00 your time.","start":1601.52,"end":1610.805,"sentiment":"neutral","sentiment_score":0.08472019916071612},{"text":"Would that work?","start":1610.805,"end":1611.785,"sentiment":"neutral","sentiment_score":0.09623470902442932}],"sentiment":"neutral","sentiment_score":0.09341865353459536,"num_words":43,"start":1592.125,"end":1611.785},{"sentences":[{"text":"Yep.","start":1613.525,"end":1614.025,"sentiment":"neutral","sentiment_score":0.12258222699165344},{"text":"Okay.","start":1614.0851,"end":1614.5851,"sentiment":"neutral","sentiment_score":0.28195375204086304},{"text":"Beautiful.","start":1614.645,"end":1615.145,"sentiment":"positive","sentiment_score":0.5034654140472412},{"text":"So I will book that in on Thursday, August 27 at 1PM your time.","start":1615.605,"end":1623.385,"sentiment":"neutral","sentiment_score":0.21504847598927362},{"text":"If anything does change and you can't make it, just let me know, and we can always get that rescheduled for you.","start":1623.9199,"end":1631.2999,"sentiment":"neutral","sentiment_score":0.10927924344485457}],"sentiment":"neutral","sentiment_score":0.16212367724913818,"num_words":39,"start":1613.525,"end":1631.2999},{"sentences":[{"text":"But, otherwise, I'll go through if I do make any recommendation on changing any investments, I'll kind of go go through and talk you through all of that.","start":1631.76,"end":1639.335,"sentiment":"neutral","sentiment_score":0.14306947628834418},{"text":"And then the choice is completely up to you after that whether you do wanted to go ahead with the the change or not.","start":1639.575,"end":1645.0349,"sentiment":"neutral","sentiment_score":0.15443853630373874},{"text":"Yep.","start":1646.7749,"end":1647.255,"sentiment":"positive","sentiment_score":0.5569405555725098},{"text":"Beautiful.","start":1647.255,"end":1647.755,"sentiment":"positive","sentiment_score":0.7526587247848511},{"text":"Do you have any other questions for me before I let you go otherwise?","start":1647.975,"end":1650.955,"sentiment":"neutral","sentiment_score":0.21464889443346433}],"sentiment":"neutral","sentiment_score":0.17686991190866513,"num_words":68,"start":1631.76,"end":1650.955},{"sentences":[{"text":"No.","start":1652.855,"end":1653.355,"sentiment":"neutral","sentiment_score":0.18303078413009644},{"text":"Beautiful.","start":1653.575,"end":1654.075,"sentiment":"positive","sentiment_score":0.6304978132247925},{"text":"Thank you so much for today, Michael.","start":1654.135,"end":1656.03,"sentiment":"positive","sentiment_score":0.7949109843799046},{"text":"And, hopefully, you guys get a nice, sunny weather for the rest of the holiday that you guys are up.","start":1656.03,"end":1661.3301,"sentiment":"positive","sentiment_score":0.7024085134267807},{"text":"No 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Am I speaking? I'm good. How are you? Yeah. That's fine. Go ahead. Yep. Yep. Yep. That's fine. Yep. Yep. Full name is. Date of birth is 11/12/1996. Address is 220 A Beachborough, North Bayswater, Western Australia. Oh, yeah. Yeah. Yeah. Not too bad. We are actually in Brisbane at the moment. Yep. Nah. Nah. Oh, yeah. We're we're traveling for holiday. Yep. Going here going to be here till this Friday. Yep. We we are yeah. We have few places to go. Next couple day next couple days will be in Gold Coast. Yep. Yeah. Let's see. It's raining now, but we'll see. Yep. Just let let's check how our last year performed and what's our strategy for the next next financial year, next couple of until year. Yep. Yep. But Internet is very slow. We'll skip the loading. It's not loading. Mhmm. Mhmm. Yeah. Yeah. Yeah. Yeah. Still happy at the moment. Yeah. Mhmm. Okay. Yep. Mhmm. No. No. I haven't I can do that one too much. No. Yes, please. Yeah. What's the second what's the second most underperformed equities in in the portfolio? Mhmm. Okay. Not at the moment. Not at the moment. All good. Mhmm. Yep. Mhmm. Yep. Yes. Yep. You mean shares including ETFs or just pure company shares? Yes. Yep. Yep. Yeah. About 180 k at the moment. 90% of the nine g s. Yep. Yes. Hold on. Yep. Yep. Yep. 50. Yep. That's fine. Yeah. Yep. Yep. Yes. I would say high to very high. Yeah. Very high. It really depends on the asset class. To be honest, if I'm buying VGS, it's down 20%. I'll probably buy more. But if I'm buying a company shares, it totally depends on what type of type of investment it is, to be honest. Yeah. I'll be cautious, but I'll be still investing again. Depends on what's driving it down. Yep. If I have good enough process, if I have good enough skills, yes, I will take out a loan to invest. Yep. High volatility. What's the fluctuations? Mhmm. Yeah. I'm still comfortable. Yep. Mhmm. Mhmm. Not not de facto anymore. Married. Yeah. Last year, June. Yep. Electrical engineer. Yep. Yes. Either case. Yep. No. Not at the moment. Mhmm. Yep. Yep. Yep. Yeah. Yeah. Yeah. Correct. Still correct. Yep. So offset is currently four 80. So the mortgage is so mortgage mortgage is pretty much fully paid off. Yeah. No. That's about it. Nope. Yeah. Yep. No. No. No. No. Okay. Cool. Yep. Yeah. Yeah. Yep. Yep. I do. Yep. Not at the moment. No. I don't recall anything. Mhmm. I can access the printer. Yeah. This is Yeah. Yeah. I can print it out. Yep. Yep. Yep. No. No. No. Nope. Mhmm. We are just currently putting on ETFs and shares. Nothing else at the moment. I was trying to retire as early as we can. That's that's it. Nothing else. Mhmm. Yep. Yep. That sounds pretty straightforward. Mhmm. How fast you can do your research? Next next Thursday or Friday? Anytime be okay. Yeah. Yep. Yep. Yep. Yep. Yep. Okay. Sounds good. No. That's it. All good. No problem. Thanks for holding it. Sounds good. See 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Am I speaking? I'm good. How are you? Yeah.\n\nThat's fine. Go ahead. Yep. Yep. Yep.\n\nThat's fine. Yep. Yep. Full name is. Date of birth is 11/12/1996.\n\nAddress is 220 A Beachborough, North Bayswater, Western Australia. Oh, yeah. Yeah. Yeah. Not too bad.\n\nWe are actually in Brisbane at the moment. Yep. Nah. Nah. Oh, yeah.\n\nWe're we're traveling for holiday. Yep. Going here going to be here till this Friday. Yep. We we are yeah.\n\nWe have few places to go. Next couple day next couple days will be in Gold Coast. Yep. Yeah. Let's see.\n\nIt's raining now, but we'll see. Yep. Just let let's check how our last year performed and what's our strategy for the next next financial year, next couple of until year. Yep. Yep.\n\nBut Internet is very slow. We'll skip the loading. It's not loading. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Still happy at the moment.\n\nYeah. Mhmm. Okay. Yep. Mhmm.\n\nNo. No. I haven't I can do that one too much. No. Yes, please.\n\nYeah. What's the second what's the second most underperformed equities in in the portfolio? Mhmm. Okay. Not at the moment.\n\nNot at the moment. All good. Mhmm. Yep. Mhmm.\n\nYep. Yes. Yep. You mean shares including ETFs or just pure company shares? Yes.\n\nYep. Yep. Yeah. About 180 k at the moment. 90% of the nine g s.\n\nYep. Yes. Hold on. Yep. Yep.\n\nYep. 50. Yep. That's fine. Yeah.\n\nYep. Yep. Yes. I would say high to very high. Yeah.\n\nVery high. It really depends on the asset class. To be honest, if I'm buying VGS, it's down 20%. I'll probably buy more. But if I'm buying a company shares, it totally depends on what type of type of investment it is, to be honest.\n\nYeah. I'll be cautious, but I'll be still investing again. Depends on what's driving it down. Yep. If I have good enough process, if I have good enough skills, yes, I will take out a loan to invest.\n\nYep. High volatility. What's the fluctuations? Mhmm. Yeah.\n\nI'm still comfortable. Yep. Mhmm. Mhmm. Not not de facto anymore.\n\nMarried. Yeah. Last year, June. Yep. Electrical engineer.\n\nYep. Yes. Either case. Yep. No.\n\nNot at the moment. Mhmm. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. Correct. Still correct.\n\nYep. So offset is currently four 80. So the mortgage is so mortgage mortgage is pretty much fully paid off. Yeah. No.\n\nThat's about it. Nope. Yeah. Yep. No.\n\nNo. No. No. Okay. Cool.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nI do. Yep. Not at the moment. No. I don't recall anything.\n\nMhmm. I can access the printer. Yeah. This is Yeah. Yeah.\n\nI can print it out. Yep. Yep. Yep. No.\n\nNo. No. Nope. Mhmm. We are just currently putting on ETFs and shares.\n\nNothing else at the moment. I was trying to retire as early as we can. That's that's it. Nothing else. Mhmm.\n\nYep. Yep. That sounds pretty straightforward. Mhmm. How fast you can do your research?\n\nNext next Thursday or Friday? Anytime be okay. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Okay. Sounds good.\n\nNo. That's it. All good. 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research?","start":1571.685,"end":1573.305,"sentiment":"neutral","sentiment_score":0.12004725847925458}],"sentiment":"neutral","sentiment_score":0.23583578211920603,"num_words":14,"start":1501.47,"end":1573.305},{"sentences":[{"text":"Next next Thursday or Friday?","start":1587.3,"end":1588.9801,"sentiment":"neutral","sentiment_score":0.006210125796496868},{"text":"Anytime be okay.","start":1588.9801,"end":1590.2001,"sentiment":"neutral","sentiment_score":0.034976777931054435},{"text":"Yeah.","start":1590.26,"end":1590.435,"sentiment":"neutral","sentiment_score":0.04651841148734093},{"text":"Yep.","start":1597.155,"end":1597.655,"sentiment":"neutral","sentiment_score":0.04559674113988876},{"text":"Yep.","start":1597.875,"end":1598.375,"sentiment":"neutral","sentiment_score":0.021637169644236565}],"sentiment":"neutral","sentiment_score":0.02270302591337399,"num_words":11,"start":1587.3,"end":1598.375},{"sentences":[{"text":"Yep.","start":1599.4751,"end":1599.9751,"sentiment":"neutral","sentiment_score":0.08966535329818726},{"text":"Yep.","start":1612.41,"end":1612.91,"sentiment":"neutral","sentiment_score":0.07245476543903351},{"text":"Yep.","start":1613.13,"end":1613.63,"sentiment":"neutral","sentiment_score":0.08337073773145676},{"text":"Okay.","start":1645.5499,"end":1646.0499,"sentiment":"positive","sentiment_score":0.4068213701248169},{"text":"Sounds good.","start":1646.11,"end":1646.685,"sentiment":"positive","sentiment_score":0.6623291373252869}],"sentiment":"neutral","sentiment_score":0.329495083540678,"num_words":6,"start":1599.4751,"end":1646.685},{"sentences":[{"text":"No.","start":1651.645,"end":1651.805,"sentiment":"neutral","sentiment_score":-0.0626479759812355},{"text":"That's it.","start":1651.805,"end":1652.3651,"sentiment":"neutral","sentiment_score":0.057706988183781505},{"text":"All good.","start":1652.3651,"end":1653.1051,"sentiment":"positive","sentiment_score":0.36421123147010803},{"text":"No problem.","start":1662.75,"end":1663.3099,"sentiment":"positive","sentiment_score":0.3953581005334854},{"text":"Thanks for holding it.","start":1663.3099,"end":1664.61,"sentiment":"positive","sentiment_score":0.6594361513853073}],"sentiment":"positive","sentiment_score":0.3826953881758858,"num_words":11,"start":1651.645,"end":1664.61},{"sentences":[{"text":"Sounds good.","start":1667.87,"end":1668.59,"sentiment":"positive","sentiment_score":0.6708822548389435},{"text":"See you.","start":1668.59,"end":1669.25,"sentiment":"positive","sentiment_score":0.5110178738832474}],"sentiment":"positive","sentiment_score":0.5909500643610954,"num_words":4,"start":1667.87,"end":1669.25}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Am I speaking?\n\nChannel 0: Good afternoon, Michael. This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. That's fine. Go ahead.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Please?\n\nChannel 1: Yep. Full name is.\n\nChannel 0: Yep.\n\nChannel 1: Date of birth is 11/12/1996.\n\nChannel 0: Yep.\n\nChannel 1: Address is 220 A Beachborough, North Bayswater, Western Australia.\n\nChannel 0: Yep. Beautiful. That's exactly what I have here. And and how's your day been so far? Been busy?\n\nChannel 1: Oh, yeah. Yeah. Yeah. Not too bad. We are actually in Brisbane at the moment.\n\nChannel 0: Oh, lovely. Not too\n\nChannel 1: Yep.\n\nChannel 0: far away from us. Are\n\nChannel 1: Nah.\n\nChannel 0: you\n\nChannel 1: Nah.\n\nChannel 0: on a holiday or for work?\n\nChannel 1: Oh, yeah. We're we're traveling for holiday. Yep.\n\nChannel 0: Oh, lovely. And how long are you guys gonna be over this\n\nChannel 1: Going here going to be here till\n\nChannel 0: day?\n\nChannel 1: this Friday.\n\nChannel 0: Oh,\n\nChannel 1: Yep.\n\nChannel 0: nice. And do you have much planned while you're up here?\n\nChannel 1: We we are yeah. We have few places to go.\n\nChannel 0: Yeah.\n\nChannel 1: Next couple day next couple days will be in Gold Coast.\n\nChannel 0: Oh, nice. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Well, hopefully, the weather is good for you.\n\nChannel 1: Yeah. Let's see. It's raining now, but we'll see.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Hopefully, over the weekend, it's a bit nicer. Well, I will try not to keep you for too long, obviously, on on holiday. Now before I do jump into things, Michael, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions that you might have or just a bit of an update and see where everything is at?\n\nChannel 1: Just let let's check how our last year performed and what's our strategy for the\n\nChannel 0: Mhmm.\n\nChannel 1: next next financial year, next couple of until year. Yep.\n\nChannel 0: Yep. Okay. Beautiful. Now what I have done is to send you an email with some documents to go through, which does show your performance and where everything is at with your super and your insurance oh, sorry, with your superannuation. Do you have access to your emails at the moment,\n\nChannel 1: Yep.\n\nChannel 0: Michael?\n\nChannel 1: But Internet\n\nChannel 0: Yep.\n\nChannel 1: is very slow.\n\nChannel 0: Okay. That's okay. If if it's a bit tricky for it to load, I can always go through it with you. And then later, if if it takes a while to load, you can have a look at them. And if you have any questions, you can then let me know.\n\nOr if you do wanna wait for it to load, that's also completely\n\nChannel 1: We'll skip the loading. It's not loading.\n\nChannel 0: fine. Okay. No no worries at all. Now when it does load, you will see that you have received an email from me. Now it will ask you to click on a link, on a link to sign.\n\nIt doesn't mean you will have to sign right away, though. It will just, mean clicking on that link, it just allows you to open up the\n\nChannel 1: Mhmm.\n\nChannel 0: document, you will have a couple of different attachments. Now the first one is a breakdown of your So at the moment, you have your super with HUB 24, and you do have a $1,633,000 or $250 in there. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now you don't have any insurances either. Are you still comfortable and happy without insurances?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Still happy at the moment.\n\nYeah.\n\nChannel 0: Perfect. Now the next document does break down your portfolio, your investments, and kind of happened in the last twelve months. So it shows you from the 08/15/2025 until the 08/14/2026. So it gives you a good kind of breakdown of your portfolio, your investments, and everything over the last twelve months. Now it shows you everything in net of a fees as well.\n\nSo after fees have been deducted from your account, and it does break down your individual investments as well. Now on an overview, your portfolio so in the last twelve months, we have obviously seen a bit of fluctuation in the market. I'm sure you've heard on the news, obviously, everything in The US and more recently with the war as well have seen a bit of fluctuation in the market. In\n\nChannel 1: Mhmm.\n\nChannel 0: saying that, though, your portfolio has still done pretty good. So after fees in the last twelve months, it's up by 8.13%.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Which equates to about $13,040, and that is just growth on your investment. So that's not contribution. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Now with your investments as well, when the document does decide to load for you, you can actually see how every individual investment has performed, and most of them have done really well. There is one investment that is slightly underperforming a little bit at the moment, and that is your Benelong Australian equity investment. Do you are you quite familiar with the different type of investments at all there, Michael?\n\nChannel 1: No. No. I haven't I can do that one too much. No.\n\nChannel 0: No. No. That's okay. So with Benelon, it is a managed fund. So it is a little bit different through some of your other investments in that you you have a fund manager, and they're actively trying to buy and sell different investments in order to try to outperform the market.\n\nNow they have been really successful and good in doing so, but more recently, they've been a little bit slower in making those decisions and are kind of slightly underperforming a little bit at the moment. But when it comes to your investments, we do want to be proactive in making sure that we always have you in the best options possible for you. And if there is one that we foresee might not be the best option moving forward, then we wanna do the research and see if we can put you in a better position as well. So that's a really good thing with hub twenty four in that there's hundreds of different options for us to choose from to allow us to do that for you. Because, obviously, things are always always changing, and what's the best for you when we spoke last year doesn't always mean it's the best, you know, each year that that comes.\n\nSo it is kind of good to be proactive in that way. So are you happy for me to do some research on that investment to see if there's a potential other option that we can have a look at for you?\n\nChannel 1: Yes, please.\n\nChannel 0: Yes?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: What's the\n\nChannel 0: Perfect.\n\nChannel 1: second what's the second most underperformed equities in in the portfolio?\n\nChannel 0: So the Benelon is the one that is underperforming a little bit. The other one that you have is the BetaShares India. So that one is fluctuating a little bit as well, which is one of those satellite investments that can do that depending on what is going on. So I can do as as a part of the research, I'll probably have a look at everything for you just to see if we need to make any changes or anything else or whether we could see those kind of coming back around and still being good investment options for you moving\n\nChannel 1: Mhmm.\n\nChannel 0: forward. Yep. Pat, do you have any questions so far?\n\nChannel 1: Okay. Not at the moment. Not at the moment.\n\nChannel 0: No.\n\nChannel 1: All\n\nChannel 0: Okay.\n\nChannel 1: good.\n\nChannel 0: Perfect. But, otherwise, overall, it's done really good. Now some of your investments have, for example, your cybersecurity, that's up by about 33%, which is pretty crazy. The gold is 21%. So overall, a lot of the other investments have done well, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when it comes to\n\nChannel 1: Yep.\n\nChannel 0: your investments as well, so the next document you will see when it does load in is a Vanguard index chart. Now it's a little bit harder if you can't see that in front of you. But when you do have a look at it, you will see a a a graph, and it basically outlines the market from 1995 through to 2025. Now Vanguard does release one every single year, so the new one is due to be updated shortly. And it kind of shows you that over the long term, the market always goes up.\n\nThe short term, you will have some ups and downs and market fluctuations depending on what is going on in the market and in the world. It also kind of shows you the different asset classes and how that kind of correlates to time as well. So what I would like to do next is just to go through just another risk profile questionnaire with you to see if we need to make any changes to your risk profile to how the money is invested from a risk perspective in\n\nChannel 1: Mhmm.\n\nChannel 0: your superannuation. So it is just multiple choice to make it nice and easy for you. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you, and think about these questions as well in regards to your superannuation. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now the first question here is, have you ever bought direct shares yourself?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Okay. Perfect. Do you still have personal investments?\n\nChannel 1: You mean shares including ETFs or\n\nChannel 0: Yes.\n\nChannel 1: just pure\n\nChannel 0: Yep.\n\nChannel 1: company shares?\n\nChannel 0: Either Just ETF managed fund. Do you have, like, any investments outside the superannuation in your own personal\n\nChannel 1: Yes.\n\nChannel 0: name?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And how much would you say you have roughly? Do you know? And I'll just\n\nChannel 1: Yep.\n\nChannel 0: add it as an asset for you.\n\nChannel 1: Yeah. About 180 k at the moment.\n\nChannel 0: Oh, beautiful. And that's mainly ETFs, did you say, or it's a bit of a bit of everything?\n\nChannel 1: 90% of the nine g s. Yep.\n\nChannel 0: Yep. Okay. Perfect. That's really good. So you are obviously quite familiar then in a way with obviously market fluctuations and how things work.\n\nChannel 1: Yes. Hold on. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now at the moment, also, when it comes to your superannuation, I have here that, obviously, you have plenty of time until you can retire, but your your focus is to retire as soon as possible at the age of 60. Is that still the case?\n\nChannel 1: Yep. 50. Yep.\n\nChannel 0: Yep. Perfect. And I do have here a weekly income of about $1,500 per week, ideally, when you do retire. Do you still think that's achievable? Do you think you need a little bit more, a little bit less?\n\nChannel 1: That's fine. Yeah. Yep.\n\nChannel 0: That's fine. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now, otherwise, when it comes to the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high\n\nChannel 1: Yes.\n\nChannel 0: Moderate.\n\nChannel 1: I would say high\n\nChannel 0: Yep.\n\nChannel 1: to very high. Yeah.\n\nChannel 0: High to very high. And if you had to kind of lean more towards one, which one would you\n\nChannel 1: Very high.\n\nChannel 0: say? Very high. Yep. Beautiful. Now when it comes through volatilities or fluctuations, if, hypothetically speaking, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you if you had the option to do so, I think that now is potentially a good time to invest a little bit more while the prices are down, or would you be kind of a bit neutral, just hold and wait to see what happens with everything, or would you like to shift to a more secure asset?\n\nBut that means you are then also selling when the prices have dropped. Yes.\n\nChannel 1: It really depends on the asset class. To be honest, if I'm buying VGS, it's down 20%. I'll probably buy more. But\n\nChannel 0: Yep.\n\nChannel 1: if I'm buying a company shares, it totally depends on what type of type of investment it is, to be honest.\n\nChannel 0: Yep. So sometimes potentially invest more, sometimes hold, sometimes shift depending on what what it\n\nChannel 1: Yeah.\n\nChannel 0: is. Yep. That that's totally fair enough. Now next one is when it comes to, again, fluctuations. So ever if any of your investments have fluctuates, whether that is superannuation or your personal investments, when they do fluctuate in value, would you say that seeing that makes you feel, you know, optimistic about potential opportunities, a bit more kind of cautious, not making further investments, or you will be quite concerned or anxious.\n\nChannel 1: I'll be cautious, but I'll be still\n\nChannel 0: Portion.\n\nChannel 1: investing again. Depends on what's driving it\n\nChannel 0: Yep.\n\nChannel 1: down.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And some of these questions is hard because it's all hypothetical. So sorry. It does make it a little bit tricky, which is fine. Now the last question here, Michael, is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: If I have good enough process, if I have good enough skills, yes, I will take out a loan to invest. Yep.\n\nChannel 0: Yep. Perfect. If the circumstances and situation is right, potentially. Now that tells me here that you have come out as a high growth investor, which is the current portfolio we do have you invested in, so that's good. Do you remember what it means to be a high growth investor at all?\n\nChannel 1: High volatility. What's the fluctuations?\n\nChannel 0: Yeah. Definitely. So can very be. So you do have the the combination, obviously, where you are wanting to maximize growth in superannuation, you know, while you still have plenty of time until you do retire or when you\n\nChannel 1: Mhmm.\n\nChannel 0: can access your superannuation anyway. But, also, like you said, that you are, you know, comfortable and understand that there will be some short term level of fluctuation in order to achieve that growth. Now typically speaking as well in a high growth portfolio, we see about 90% invested in what we would call your growth investments, which is a a combination of Australian shares, international shares, and property, which is going to give you that growth. And then we do have about 10% in defensive, like your cash, your gold, your fixed interest, but that limit fluctuations a little bit. And, also, when it comes to time frame, so making sure you have enough time in the market for those fluctuation, typically, in a high growth portfolio, we do wanna allow at least eight years until retirement.\n\nSo at the moment, obviously, you you have that time behind you as long as you are still comfortable with a high growth portfolio.\n\nChannel 1: Yeah. I'm still comfortable. Yep.\n\nChannel 0: You're still comfortable? Okay. Perfect. And that kind of shows you in that Vanguard chart as well in the email. It kind of breaks down the different asset classes, which is good.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what I will also go through is just a bit of an updated fact find with you just to see if there's anything else or anything major that has changed in your life. If part of the reason, I do have a look at those investments, if there's any other tweaks and changes we have to do to your advice. So just kind of bear with me as I do go through this information. Now when it comes to your personal details, I have you down here as in, that you are in a de facto relationship dependent. Is that correct?\n\nChannel 1: Mhmm. Not not de\n\nChannel 0: Yep.\n\nChannel 1: facto anymore. Married. Yeah.\n\nChannel 0: Oh, lovely. I will update that. Congratulations. When did you get married?\n\nChannel 1: Last year, June.\n\nChannel 0: Lovely. I will definitely update that. And next up, can I have Emmy nominated? That's still the case as well. You're happy with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now occupation wise, has any of that changed for you, or you're still a electrical engineer?\n\nChannel 1: Electrical engineer.\n\nChannel 0: Yep. Perfect. Still for the same\n\nChannel 1: Yep.\n\nChannel 0: 196,000. Do you know if that's still the case?\n\nChannel 1: Yes. Either case. Yep.\n\nChannel 0: Still the case. Yep. Beautiful. And I have here that your employer pays you that standard 12% contribution. Now I know that when we spoke last year, we were looking at doing a little bit of salary sacrifice.\n\nIs that still something you are interested in or or not really right now? Because I can see it within your account that it's just from your employer at the moment.\n\nChannel 1: No. Not at the moment.\n\nChannel 0: Nope. That's all good.\n\nChannel 1: Mhmm.\n\nChannel 0: You still because you're in a high income earner, you still get a pretty good amount of contributions from your employer, which is great, which will obviously help boost that super for you. Now I also just wanna confirm the assets I have listed here to see if anything has changed. So I have your property vied at about 600,000. Does that\n\nChannel 1: Yep.\n\nChannel 0: sound about right? Yep.\n\nChannel 1: Yep.\n\nChannel 0: And I have a mortgage of about $4.80.\n\nChannel 1: Yep.\n\nChannel 0: Yep. I also have a motor vehicle of about 25,000 with nothing owing. Is that correct as well? Sorry. I think I lost you there as well.\n\nIs do you still have that motor vehicle?\n\nChannel 1: Yeah. Yeah. Yeah. Correct. Still\n\nChannel 0: Yeah.\n\nChannel 1: correct.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I also have an offset account of about $3.20, the 320,000 in the\n\nChannel 1: So offset\n\nChannel 0: offset\n\nChannel 1: is currently four\n\nChannel 0: account.\n\nChannel 1: 80. So\n\nChannel 0: Four\n\nChannel 1: the mortgage\n\nChannel 0: 80.\n\nChannel 1: is so mortgage mortgage\n\nChannel 0: Yep.\n\nChannel 1: is pretty much fully paid off. Yeah.\n\nChannel 0: Yeah. Oh, that's lovely. That's great. And then I added the personal investments. Any other assets we haven't gone through?\n\nChannel 1: No. That's about it.\n\nChannel 0: That's alright. Perfect. Now do you have any other liabilities, like personal loans or credit card or ZipPay?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Lovely. And when it comes to health and lifestyle, I have you down here as a. Is that still the case?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yep. Perfect. And any changes to your health? Any health issues or injuries or anything in the last twelve months?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No. No.\n\nChannel 0: Everything's going good.\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: Okay. Cool. Yep.\n\nChannel 0: And do you have private health insurance?\n\nChannel 1: Yeah. Yeah. Yep. Yep. I\n\nChannel 0: Yep.\n\nChannel 1: do.\n\nChannel 0: Perfect. And that is hospital cover as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Great. Now when it comes to estate planning, do you know if you have a will or part of attorney or anything like that in place?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No. That's okay. And when it comes through your superannuation, I can see at the moment that we don't have a current nomination on file for you. Do you remember receiving those forms in the post by any chance?\n\nChannel 1: I don't recall anything.\n\nChannel 0: No. That's okay. What I can do is I can get them resent to you. Basically, what it is is for you to make a legal nomination of who you want to receive your superannuation if something ever were to happen to you.\n\nChannel 1: Mhmm.\n\nChannel 0: So it is important, obviously, to make sure everything does go through the person or people that you would like it to go through to make it a bit more streamlined. Now do you have access to a printer at all if we email it through you, or do you prefer post?\n\nChannel 1: I can access the printer. Yeah. This is Yeah. Yeah. I can\n\nChannel 0: Yep.\n\nChannel 1: print it out. Yep.\n\nChannel 0: Okay. So you're happy with it to be emailed to you?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. That way as well, it will go to your email. You'll have a copy there, which is good if it ever gets lost. You just need to print it off a wet sign it and then send it back just because you are making that legal nominations.\n\nI will get the team to send that out to you. Do you have any questions in regards to who to nominate or how it works or anything?\n\nChannel 1: No. No. No.\n\nChannel 0: No. Okay. Beautiful. Now, otherwise, are you politically exposed at all or a tax resident in any foreign jurisdiction?\n\nChannel 1: Nope.\n\nChannel 0: No. Lovely. And when it comes to our guest goals, so stuff that you are working towards or that you are wanting to achieve, during the annual review, it's also a good kind of touch point to see if anything has changed, if anything has been achieved, or how things are going. So last time we spoke, your main focus was to pay down the mortgage as much as possible, which you guys basically have because it's sitting in the offset for you, which is great.\n\nChannel 1: Mhmm.\n\nChannel 0: And then maybe look at some other investments outside Super, which you obviously have a little bit. Is this still kind of something you guys are working towards, like an investment property or any other types of investments?\n\nChannel 1: We are just currently putting on ETFs and shares. Nothing else at the moment.\n\nChannel 0: Yep. No. Perfect. Then do you guys have any other financial or nonfinancial goals that you guys are working towards at all?\n\nChannel 1: I was trying to retire as early as we can.\n\nChannel 0: Yes.\n\nChannel 1: That's that's it. Nothing\n\nChannel 0: Yes.\n\nChannel 1: else.\n\nChannel 0: No. No. That is good. And you guys are you are in a good position with, obviously, plenty of time under retirement, obviously, everything in the offset account, which is beautiful. You do have personal investments to diversify, and you are on that high income as well.\n\nSo a lot of opportunities for that, which is wonderful. Now the last couple of documents in the email when it does load for you, Michael, there is two documents that will require your signature if you're happy to do so. One is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now this one here as well, there is no changes whatsoever in regards to the fee structure for you. Because, obviously, your wife is a client as well, you are on that reduced couple fee at 1.1 from superannuation.\n\nSo that stays exactly the same for you. And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, by signing this one, it just allows us to manage all your investments and everything for you in the meantime. Does that all make sense?\n\nChannel 1: Mhmm. Yep. Yep.\n\nChannel 0: Yep. Perfect. Now the other document, it is just a tax file number form. It is a compliance form basically saying that we are keeping your tax file number secure and safe on file. So those two documents, it will ask for your signature if you're happy to do so, obviously, when you can access your email.\n\nAnd you also have a copy of the new services guides included in the email. You would have seen this a couple of times before, but it's essentially just gives you all the important information in regards to us here I spoke to you. So that was essentially all the documents and stuff that I needed to run through with you. Do you have any questions or anything else you would like to address before I let you get back to your holiday?\n\nChannel 1: That sounds pretty straightforward.\n\nChannel 0: Matt? Yep. Beautiful. So what I will do while I have you on the phone is just to book in a time for us to go through the research, on your investments. So\n\nChannel 1: Mhmm.\n\nChannel 0: when is a best time for yourself to do that?\n\nChannel 1: How fast you can do your research?\n\nChannel 0: It will take me about a week to put together. So I would say the earliest is probably the, say, next week.\n\nChannel 1: Next next Thursday or Friday? Anytime be okay.\n\nChannel 0: Next.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Anytime. Okay. Beautiful. Let me have a look here.\n\nNow I could do so you'll be back in WA then, right,\n\nChannel 1: Yep.\n\nChannel 0: just for\n\nChannel 1: Yep.\n\nChannel 0: time differences? Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now what I could do is I could do three o'clock, which will be 01:00 your time. Would that work?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Okay. Beautiful. So I will book that in on Thursday, August 27 at 1PM your time. If anything does change and you can't make it, just let me know, and we can always get that rescheduled for you.\n\nBut, otherwise, I'll go through if I do make any recommendation on changing any investments, I'll kind of go go through and talk you through all of that. And then the choice is completely up to you after that whether you do wanted to go ahead with the the change or not.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Yep. Beautiful. Do you have any other questions for me before I let you go otherwise?\n\nChannel 1: No. That's it. All good.\n\nChannel 0: No. Beautiful. Thank you so much for today, Michael. And, hopefully, you guys get a nice, sunny weather for the rest of the holiday that you guys are up.\n\nChannel 1: No problem. Thanks for holding it.\n\nChannel 0: No problem. We'll speak on Thursday, the twenty seventh.\n\nChannel 1: Sounds good. See you.\n\nChannel 0: See you then. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.014361683279275894},{"text":"Am I speaking?","start":1.4399999,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.012172000793119272}],"sentiment":"neutral","sentiment_score":0.012719421414658427,"channel":1,"num_words":4,"start":1.1999999,"end":2.1799998},{"sentences":[{"text":"Good afternoon, Michael.","start":2.8799999,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.33182649811108905},{"text":"This is Veronica from Financial.","start":3.9199998,"end":5.46,"sentiment":"neutral","sentiment_score":0.28295462131500243},{"text":"How are you?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.2529096454381943}],"sentiment":"neutral","sentiment_score":0.28808923065662384,"channel":0,"num_words":11,"start":2.8799999,"end":6.8199997},{"sentences":[{"text":"I'm 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loading.","start":190.11499,"end":191.235,"sentiment":"neutral","sentiment_score":-0.12153752334415913},{"text":"It's not loading.","start":191.235,"end":192.135,"sentiment":"neutral","sentiment_score":-0.1437388782699903}],"sentiment":"neutral","sentiment_score":-0.1310523897409439,"channel":1,"num_words":7,"start":190.11499,"end":192.135},{"sentences":[{"text":"fine.","start":192.65999,"end":192.98,"sentiment":"neutral","sentiment_score":0.00017598271369934082},{"text":"Okay.","start":192.98,"end":193.37999,"sentiment":"neutral","sentiment_score":0.06681322306394577},{"text":"No no worries at all.","start":193.37999,"end":195.15999,"sentiment":"neutral","sentiment_score":0.13972621709108352},{"text":"Now when it does load, you will see that you have received an email from me.","start":196.09999,"end":201.79999,"sentiment":"neutral","sentiment_score":0.16030114190652966},{"text":"Now it will ask you to click on a link, on a link to sign.","start":202.155,"end":206.495,"sentiment":"neutral","sentiment_score":0.1107291008035342}],"sentiment":"neutral","sentiment_score":0.13135197562606712,"channel":0,"num_words":38,"start":192.65999,"end":206.495},{"sentences":[{"text":"It doesn't mean you will have to sign right away, though.","start":206.875,"end":209.75499,"sentiment":"neutral","sentiment_score":0.028365509753877468},{"text":"It will just, mean clicking on that link, it just allows you to open up the","start":209.75499,"end":213.93,"sentiment":"neutral","sentiment_score":0.10089742951095104}],"sentiment":"neutral","sentiment_score":0.07134738812843959,"channel":0,"num_words":27,"start":206.875,"end":213.93},{"sentences":[{"text":"Mhmm.","start":222.365,"end":222.865,"sentiment":"neutral","sentiment_score":0.060543257743120193}],"sentiment":"neutral","sentiment_score":0.060543257743120193,"channel":1,"num_words":1,"start":222.365,"end":222.865},{"sentences":[{"text":"document, you will have a couple of different attachments.","start":224.17,"end":227.87,"sentiment":"neutral","sentiment_score":0.07141824480560091},{"text":"Now the first one is a breakdown of your So at the moment, you have your super with HUB 24, and you do have a $1,633,000 or $250 in there.","start":228.32999,"end":245.36,"sentiment":"neutral","sentiment_score":0.0392168706903855},{"text":"Okay?","start":245.36,"end":245.86,"sentiment":"neutral","sentiment_score":0.03871661424636841}],"sentiment":"neutral","sentiment_score":0.04644967345520854,"channel":0,"num_words":40,"start":224.17,"end":245.86},{"sentences":[{"text":"Mhmm.","start":246.735,"end":247.235,"sentiment":"neutral","sentiment_score":0.02342586405575275}],"sentiment":"neutral","sentiment_score":0.02342586405575275,"channel":1,"num_words":1,"start":246.735,"end":247.235},{"sentences":[{"text":"Yep.","start":247.6,"end":248.1,"sentiment":"neutral","sentiment_score":0.06173432990908623},{"text":"Now you don't have any insurances either.","start":248.40001,"end":251.68001,"sentiment":"neutral","sentiment_score":-0.10970913831676755},{"text":"Are you still comfortable and happy without insurances?","start":251.68001,"end":254.595,"sentiment":"neutral","sentiment_score":-0.14178449474275112}],"sentiment":"neutral","sentiment_score":-0.11503159976564348,"channel":0,"num_words":16,"start":247.6,"end":254.595},{"sentences":[{"text":"Yeah.","start":256.3,"end":256.54,"sentiment":"neutral","sentiment_score":0.07413631677627563},{"text":"Yeah.","start":256.54,"end":256.62,"sentiment":"neutral","sentiment_score":0.0824848860502243},{"text":"Yeah.","start":256.62,"end":256.94,"sentiment":"neutral","sentiment_score":0.1296272575855255},{"text":"Yeah.","start":256.94,"end":257.18,"sentiment":"neutral","sentiment_score":0.2048417925834656},{"text":"Still happy at the moment.","start":257.18,"end":258.38,"sentiment":"positive","sentiment_score":0.3521550834178925}],"sentiment":"neutral","sentiment_score":0.2502072966761059,"channel":1,"num_words":9,"start":256.3,"end":258.38},{"sentences":[{"text":"Yeah.","start":258.38,"end":258.88,"sentiment":"positive","sentiment_score":0.3707024455070496}],"sentiment":"positive","sentiment_score":0.3707024455070496,"channel":1,"num_words":1,"start":258.38,"end":258.88},{"sentences":[{"text":"Perfect.","start":259.395,"end":259.895,"sentiment":"neutral","sentiment_score":0.05908125638961792},{"text":"Now the next document does break down your portfolio, your investments, and kind of happened in the last twelve months.","start":260.355,"end":269.97,"sentiment":"neutral","sentiment_score":0.10658226422965526},{"text":"So it shows you from the 08/15/2025 until the 08/14/2026.","start":270.59,"end":277.71,"sentiment":"neutral","sentiment_score":0.07685353234410286},{"text":"So it gives you a good kind of breakdown of your portfolio, your investments, and everything over the last twelve months.","start":277.71,"end":283.35498,"sentiment":"positive","sentiment_score":0.3445295627628054},{"text":"Now it shows you everything in net of a fees as well.","start":283.735,"end":286.775,"sentiment":"neutral","sentiment_score":0.11050955516596635}],"sentiment":"neutral","sentiment_score":0.18000777100678533,"channel":0,"num_words":64,"start":259.395,"end":286.775},{"sentences":[{"text":"So after fees have been deducted from your account, and it does break down your individual investments as well.","start":286.775,"end":294.555,"sentiment":"neutral","sentiment_score":0.09737027377674454},{"text":"Now on an overview, your portfolio so in the last twelve months, we have obviously seen a bit of fluctuation in the market.","start":294.935,"end":303.25,"sentiment":"neutral","sentiment_score":-0.03519909537356833},{"text":"I'm sure you've heard on the news, obviously, everything in The US and more recently with the war as well have seen a bit of fluctuation in the market.","start":303.71,"end":311.72998,"sentiment":"neutral","sentiment_score":-0.10467446120134716},{"text":"In","start":312.59,"end":313.09,"sentiment":"neutral","sentiment_score":-0.008184358477592468}],"sentiment":"neutral","sentiment_score":-0.02782344062709146,"channel":0,"num_words":72,"start":286.775,"end":313.09},{"sentences":[{"text":"Mhmm.","start":312.87997,"end":313.335,"sentiment":"neutral","sentiment_score":0.05352067947387695}],"sentiment":"neutral","sentiment_score":0.05352067947387695,"channel":1,"num_words":1,"start":312.87997,"end":313.335},{"sentences":[{"text":"saying that, though, your portfolio has still done pretty good.","start":313.095,"end":316.23502,"sentiment":"positive","sentiment_score":0.35552958846092225},{"text":"So after fees in the last twelve months, it's up by 8.13%.","start":316.295,"end":321.435,"sentiment":"neutral","sentiment_score":0.2842971632877986}],"sentiment":"neutral","sentiment_score":0.31667553836649115,"channel":0,"num_words":22,"start":313.095,"end":321.435},{"sentences":[{"text":"Okay.","start":322.85498,"end":323.35498,"sentiment":"neutral","sentiment_score":0.13847869634628296},{"text":"Yep.","start":323.495,"end":323.995,"sentiment":"neutral","sentiment_score":0.13409358263015747}],"sentiment":"neutral","sentiment_score":0.13628613948822021,"channel":1,"num_words":2,"start":322.85498,"end":323.995},{"sentences":[{"text":"Yep.","start":324.135,"end":324.635,"sentiment":"neutral","sentiment_score":0.1507520228624344},{"text":"Which equates to about $13,040, and that is just growth on your investment.","start":324.775,"end":331.47998,"sentiment":"neutral","sentiment_score":0.17561605515388343},{"text":"So that's not contribution.","start":331.47998,"end":333.02,"sentiment":"neutral","sentiment_score":-0.06134281866252422},{"text":"Okay?","start":333.72,"end":334.22,"sentiment":"neutral","sentiment_score":0.013051174581050873}],"sentiment":"neutral","sentiment_score":0.11586529683125646,"channel":0,"num_words":19,"start":324.135,"end":334.22},{"sentences":[{"text":"Mhmm.","start":334.83002,"end":335.33002,"sentiment":"neutral","sentiment_score":0.030986517667770382}],"sentiment":"neutral","sentiment_score":0.030986517667770382,"channel":1,"num_words":1,"start":334.83002,"end":335.33002},{"sentences":[{"text":"Yep.","start":335.8,"end":336.3,"sentiment":"neutral","sentiment_score":0.10391267389059068},{"text":"Now with your investments as well, when the document does decide to load for you, you can actually see how every individual investment has performed, and most of them have done really well.","start":336.59998,"end":349.365,"sentiment":"neutral","sentiment_score":0.16569544578140433},{"text":"There is one investment that is slightly underperforming a little bit at the moment, and that is your Benelong Australian equity investment.","start":349.50497,"end":359.53,"sentiment":"neutral","sentiment_score":-0.2829292477531867},{"text":"Do you are you quite familiar with the different type of investments at all there, Michael?","start":360.63,"end":365.29,"sentiment":"neutral","sentiment_score":-0.06911384151317179}],"sentiment":"neutral","sentiment_score":-0.024422257362554472,"channel":0,"num_words":72,"start":335.8,"end":365.29},{"sentences":[{"text":"No.","start":366.925,"end":367.32498,"sentiment":"negative","sentiment_score":-0.37258338928222656},{"text":"No.","start":367.32498,"end":367.485,"sentiment":"negative","sentiment_score":-0.42176371812820435},{"text":"I haven't I can do that one too much.","start":367.485,"end":369.485,"sentiment":"negative","sentiment_score":-0.4262738857004378},{"text":"No.","start":369.485,"end":369.985,"sentiment":"neutral","sentiment_score":-0.26101744174957275}],"sentiment":"negative","sentiment_score":-0.40765246003866196,"channel":1,"num_words":12,"start":366.925,"end":369.985},{"sentences":[{"text":"No.","start":370.07,"end":370.55002,"sentiment":"neutral","sentiment_score":-0.26037362217903137},{"text":"No.","start":370.55002,"end":370.79,"sentiment":"neutral","sentiment_score":-0.27316558361053467},{"text":"That's okay.","start":370.79,"end":371.79498,"sentiment":"neutral","sentiment_score":-0.18257752805948257},{"text":"So with Benelon, it is a managed fund.","start":372.335,"end":375.535,"sentiment":"neutral","sentiment_score":-0.13080345001071692},{"text":"So it is a little bit different through some of your other investments in that you you have a fund manager, and they're actively trying to buy and sell different investments in order to try to outperform the market.","start":375.535,"end":389.16,"sentiment":"neutral","sentiment_score":-0.16237455491836256}],"sentiment":"neutral","sentiment_score":-0.16230842164334128,"channel":0,"num_words":51,"start":370.07,"end":389.16},{"sentences":[{"text":"Now they have been really successful and good in doing so, but more recently, they've been a little bit slower in making those decisions and are kind of slightly underperforming a little bit at the moment.","start":389.94,"end":401.24,"sentiment":"negative","sentiment_score":-0.34637049502796596},{"text":"But when it comes to your investments, we do want to be proactive in making sure that we always have you in the best options possible for you.","start":401.665,"end":410.48502,"sentiment":"neutral","sentiment_score":0.18147779149668558},{"text":"And if there is one that we foresee might not be the best option moving forward, then we wanna do the research and see if we can put you in a better position as 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investment to see if there's a potential other option that we can have a look at for you?","start":442.67502,"end":452.57,"sentiment":"neutral","sentiment_score":0.3034752234816551}],"sentiment":"neutral","sentiment_score":0.30899077511969064,"channel":0,"num_words":42,"start":439.23502,"end":452.57},{"sentences":[{"text":"Yes, please.","start":453.435,"end":454.255,"sentiment":"neutral","sentiment_score":0.08230675756931305}],"sentiment":"neutral","sentiment_score":0.08230675756931305,"channel":1,"num_words":2,"start":453.435,"end":454.255},{"sentences":[{"text":"Yes?","start":454.55002,"end":455.05002,"sentiment":"neutral","sentiment_score":0.0711444765329361}],"sentiment":"neutral","sentiment_score":0.0711444765329361,"channel":0,"num_words":1,"start":454.55002,"end":455.05002},{"sentences":[{"text":"Yeah.","start":455.515,"end":456.015,"sentiment":"neutral","sentiment_score":0.09226977825164796}],"sentiment":"neutral","sentiment_score":0.09226977825164796,"channel":1,"num_words":1,"start":455.515,"end":456.015},{"sentences":[{"text":"Yep.","start":456.39,"end":456.87,"sentiment":"neutral","sentiment_score":0.11509840190410614}],"sentiment":"neutral","sentiment_score":0.11509840190410614,"channel":0,"num_words":1,"start":456.39,"end":456.87},{"sentences":[{"text":"What's the","start":456.47,"end":456.87003,"sentiment":"neutral","sentiment_score":0.1335446611046791}],"sentiment":"neutral","sentiment_score":0.1335446611046791,"channel":1,"num_words":2,"start":456.47,"end":456.87003},{"sentences":[{"text":"Perfect.","start":456.87,"end":457.37,"sentiment":"neutral","sentiment_score":0.2434958815574646}],"sentiment":"neutral","sentiment_score":0.2434958815574646,"channel":0,"num_words":1,"start":456.87,"end":457.37},{"sentences":[{"text":"second what's the second most underperformed equities in in the portfolio?","start":456.87003,"end":464.09003,"sentiment":"neutral","sentiment_score":0.030927352353253147}],"sentiment":"neutral","sentiment_score":0.030927352353253147,"channel":1,"num_words":11,"start":456.87003,"end":464.09003},{"sentences":[{"text":"So the Benelon is the one that is underperforming a little bit.","start":465.065,"end":469.70502,"sentiment":"neutral","sentiment_score":-0.006791274839391311},{"text":"The other one that you have is the BetaShares India.","start":469.70502,"end":474.78998,"sentiment":"neutral","sentiment_score":0.04121592678129673},{"text":"So that one is fluctuating a little bit as well, which is one of those satellite investments that can do that depending on what is going on.","start":475.16998,"end":483.18997,"sentiment":"neutral","sentiment_score":0.07228378082315128},{"text":"So I can do as as a part of the research, I'll probably have a look at everything for you just to see if we need to make any changes or anything else or whether we could see those kind of coming back around and still being good investment options for you moving","start":484.305,"end":498.54,"sentiment":"neutral","sentiment_score":0.21962538994145844}],"sentiment":"neutral","sentiment_score":0.13649482077316327,"channel":0,"num_words":102,"start":465.065,"end":498.54},{"sentences":[{"text":"Mhmm.","start":498.71997,"end":499.21997,"sentiment":"neutral","sentiment_score":0.09445593506097794}],"sentiment":"neutral","sentiment_score":0.09445593506097794,"channel":1,"num_words":1,"start":498.71997,"end":499.21997},{"sentences":[{"text":"forward.","start":500.44,"end":500.84003,"sentiment":"neutral","sentiment_score":0.08210164308547974},{"text":"Yep.","start":500.84003,"end":501.32,"sentiment":"neutral","sentiment_score":0.09662263095378876},{"text":"Pat, do you have any questions so far?","start":501.32,"end":503.5,"sentiment":"neutral","sentiment_score":0.06981817772611976}],"sentiment":"neutral","sentiment_score":0.07372696958482265,"channel":0,"num_words":10,"start":500.44,"end":503.5},{"sentences":[{"text":"Okay.","start":504.215,"end":504.29498,"sentiment":"neutral","sentiment_score":0.01783612184226513},{"text":"Not at the moment.","start":504.29498,"end":505.095,"sentiment":"neutral","sentiment_score":-0.03861960396170616},{"text":"Not at the moment.","start":505.095,"end":505.895,"sentiment":"neutral","sentiment_score":-0.0644552493467927}],"sentiment":"neutral","sentiment_score":-0.043829254599081144,"channel":1,"num_words":9,"start":504.215,"end":505.895},{"sentences":[{"text":"No.","start":505.64,"end":506.04,"sentiment":"neutral","sentiment_score":-0.01077156327664852}],"sentiment":"neutral","sentiment_score":-0.01077156327664852,"channel":0,"num_words":1,"start":505.64,"end":506.04},{"sentences":[{"text":"All","start":505.895,"end":506.055,"sentiment":"neutral","sentiment_score":0.024102669209241867}],"sentiment":"neutral","sentiment_score":0.024102669209241867,"channel":1,"num_words":1,"start":505.895,"end":506.055},{"sentences":[{"text":"Okay.","start":506.04,"end":506.54,"sentiment":"neutral","sentiment_score":0.09691061824560164}],"sentiment":"neutral","sentiment_score":0.09691061824560164,"channel":0,"num_words":1,"start":506.04,"end":506.54},{"sentences":[{"text":"good.","start":506.055,"end":506.555,"sentiment":"neutral","sentiment_score":0.14965209364891052}],"sentiment":"neutral","sentiment_score":0.14965209364891052,"channel":1,"num_words":1,"start":506.055,"end":506.555},{"sentences":[{"text":"Perfect.","start":507.08002,"end":507.58002,"sentiment":"neutral","sentiment_score":0.2990824580192566},{"text":"But, otherwise, overall, it's done really good.","start":508.04,"end":510.6,"sentiment":"positive","sentiment_score":0.41289769751685007},{"text":"Now some of your investments have, for example, your cybersecurity, that's up by about 33%, which is pretty crazy.","start":510.6,"end":520.10504,"sentiment":"positive","sentiment_score":0.34216826997305216},{"text":"The gold is 21%.","start":520.16504,"end":522.10504,"sentiment":"neutral","sentiment_score":0.3215913027524948},{"text":"So overall, a lot of the other investments have done well, which is 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well, so the next document you will see when it does load in is a Vanguard index chart.","start":531.16003,"end":538.14,"sentiment":"neutral","sentiment_score":0.06374174081498668},{"text":"Now it's a little bit harder if you can't see that in front of you.","start":538.435,"end":541.79504,"sentiment":"neutral","sentiment_score":-0.04360790314773719},{"text":"But when you do have a look at it, you will see a a a graph, and it basically outlines the market from 1995 through to 2025.","start":541.79504,"end":554.62,"sentiment":"neutral","sentiment_score":0.094731323145054},{"text":"Now Vanguard does release one every single year, so the new one is due to be updated shortly.","start":554.62,"end":560.31995,"sentiment":"neutral","sentiment_score":0.15296365155114067},{"text":"And it kind of shows you that over the long term, the market always goes up.","start":561.18,"end":566.06,"sentiment":"neutral","sentiment_score":0.12828403105959296}],"sentiment":"neutral","sentiment_score":0.08297004082153753,"channel":0,"num_words":97,"start":531.16003,"end":566.06},{"sentences":[{"text":"The short term, you will have some ups and downs and market fluctuations depending on what is going on in the market and in the world.","start":566.06,"end":574.11505,"sentiment":"neutral","sentiment_score":0.0787865171352258},{"text":"It also kind of shows you the different asset classes and how that kind of correlates to time as well.","start":575.135,"end":581.79,"sentiment":"neutral","sentiment_score":0.11564263813197613},{"text":"So what I would like to do next is just to go through just another risk profile questionnaire with you to see if we need to make any changes to your risk profile to how the money is invested from a risk perspective in","start":582.02997,"end":596.43,"sentiment":"neutral","sentiment_score":0.11363931296562607}],"sentiment":"neutral","sentiment_score":0.10401591087381044,"channel":0,"num_words":90,"start":566.06,"end":596.43},{"sentences":[{"text":"Mhmm.","start":596.42,"end":596.92,"sentiment":"neutral","sentiment_score":0.059768516570329666}],"sentiment":"neutral","sentiment_score":0.059768516570329666,"channel":1,"num_words":1,"start":596.42,"end":596.92},{"sentences":[{"text":"your superannuation.","start":596.43,"end":597.25,"sentiment":"neutral","sentiment_score":0.19787626713514328},{"text":"So it is just multiple choice to make it nice and easy for you.","start":597.825,"end":601.84503,"sentiment":"positive","sentiment_score":0.44076364380972727},{"text":"There is no right or wrong answer.","start":602.385,"end":604.54504,"sentiment":"neutral","sentiment_score":0.15060115179845265},{"text":"It's just whatever you feel is the most appropriate for you, and think about these questions as well in regards to your superannuation.","start":604.54504,"end":612.885,"sentiment":"neutral","sentiment_score":0.22434730503870093},{"text":"Does that make sense?","start":613.52997,"end":614.67,"sentiment":"neutral","sentiment_score":0.16093948483467102}],"sentiment":"neutral","sentiment_score":0.26848795130848885,"channel":0,"num_words":50,"start":596.43,"end":614.67},{"sentences":[{"text":"Yep.","start":615.075,"end":615.575,"sentiment":"neutral","sentiment_score":0.1297707557678223}],"sentiment":"neutral","sentiment_score":0.1297707557678223,"channel":1,"num_words":1,"start":615.075,"end":615.575},{"sentences":[{"text":"Yeah.","start":616.17,"end":616.49,"sentiment":"neutral","sentiment_score":0.2386976033449173},{"text":"Perfect.","start":616.49,"end":616.99,"sentiment":"positive","sentiment_score":0.4154189229011536},{"text":"Now the first question here is, have you ever bought direct shares 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how much would you say you have roughly?","start":645.91003,"end":649.93005,"sentiment":"neutral","sentiment_score":0.029254446427027386},{"text":"Do you know?","start":652.07,"end":652.81006,"sentiment":"neutral","sentiment_score":0.020401777078708012},{"text":"And I'll just","start":654.07,"end":654.63,"sentiment":"neutral","sentiment_score":0.062239088118076324}],"sentiment":"neutral","sentiment_score":0.03479666751809418,"channel":0,"num_words":16,"start":645.19,"end":654.63},{"sentences":[{"text":"Yep.","start":654.4,"end":654.9,"sentiment":"neutral","sentiment_score":0.07040363550186157}],"sentiment":"neutral","sentiment_score":0.07040363550186157,"channel":1,"num_words":1,"start":654.4,"end":654.9},{"sentences":[{"text":"add it as an asset for 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some of these questions is hard because it's all hypothetical.","start":870.59,"end":873.725,"sentiment":"neutral","sentiment_score":-0.16309817846525798},{"text":"So sorry.","start":874.745,"end":875.305,"sentiment":"neutral","sentiment_score":-0.22569095343351364},{"text":"It does make it a little bit tricky, which is fine.","start":875.305,"end":877.96497,"sentiment":"neutral","sentiment_score":-0.23223694617098029},{"text":"Now the last question here, Michael, is in regards to borrowing money.","start":879.145,"end":882.685,"sentiment":"neutral","sentiment_score":-0.029945732249567907},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":882.985,"end":888.01,"sentiment":"neutral","sentiment_score":0.008624106893936794}],"sentiment":"neutral","sentiment_score":-0.09862853845983159,"channel":0,"num_words":51,"start":870.59,"end":888.01},{"sentences":[{"text":"If I have good enough process, if I have good enough skills, yes, I will take out a loan to invest.","start":892.99,"end":897.49,"sentiment":"neutral","sentiment_score":0.08894273390372594},{"text":"Yep.","start":897.72504,"end":898.22504,"sentiment":"neutral","sentiment_score":0.1817442774772644}],"sentiment":"neutral","sentiment_score":0.09316098588434132,"channel":1,"num_words":22,"start":892.99,"end":898.22504},{"sentences":[{"text":"Yep.","start":898.14996,"end":898.64996,"sentiment":"neutral","sentiment_score":0.2981327772140503},{"text":"Perfect.","start":898.79,"end":899.19,"sentiment":"positive","sentiment_score":0.5641058087348938},{"text":"If the circumstances and situation is right, potentially.","start":899.19,"end":902.40497,"sentiment":"positive","sentiment_score":0.37837498262524605},{"text":"Now that tells me here that you have come out as a high growth investor, which is the current portfolio we do have you invested in, so that's good.","start":903.665,"end":913.365,"sentiment":"positive","sentiment_score":0.4033549910989301},{"text":"Do you remember what it means to be a high growth investor at all?","start":913.52,"end":917.7,"sentiment":"neutral","sentiment_score":0.15020471013018064}],"sentiment":"positive","sentiment_score":0.3337622477479701,"channel":0,"num_words":53,"start":898.14996,"end":917.7},{"sentences":[{"text":"High volatility.","start":919.81995,"end":920.56,"sentiment":"neutral","sentiment_score":-0.02342339139431715},{"text":"What's the fluctuations?","start":921.18,"end":922.16,"sentiment":"neutral","sentiment_score":-0.025784844532608986}],"sentiment":"neutral","sentiment_score":-0.024840263277292253,"channel":1,"num_words":5,"start":919.81995,"end":922.16},{"sentences":[{"text":"Yeah.","start":924.08,"end":924.56,"sentiment":"neutral","sentiment_score":0.17512327432632446},{"text":"Definitely.","start":924.56,"end":925.06,"sentiment":"neutral","sentiment_score":0.24938391149044037},{"text":"So can very be.","start":925.12,"end":926.255,"sentiment":"neutral","sentiment_score":0.2794901579618454},{"text":"So you do have the the combination, obviously, where you are wanting to maximize growth in superannuation, you know, while you still have plenty of time until you do retire or when you","start":926.255,"end":937.055,"sentiment":"neutral","sentiment_score":0.23888694901357999}],"sentiment":"neutral","sentiment_score":0.24168556756698167,"channel":0,"num_words":39,"start":924.08,"end":937.055},{"sentences":[{"text":"Mhmm.","start":937.025,"end":937.5,"sentiment":"neutral","sentiment_score":0.12740996479988098}],"sentiment":"neutral","sentiment_score":0.12740996479988098,"channel":1,"num_words":1,"start":937.025,"end":937.5},{"sentences":[{"text":"can access your superannuation anyway.","start":937.055,"end":939.31,"sentiment":"neutral","sentiment_score":0.16843903958797454},{"text":"But, also, like you said, that you are, you know, comfortable and understand that there will be some short term level of fluctuation in order to achieve that growth.","start":939.77,"end":949.95,"sentiment":"neutral","sentiment_score":0.07428783599030354},{"text":"Now typically speaking as well in a high growth portfolio, we see about 90% invested in what we would call your growth investments, which is a a combination of Australian shares, international shares, and property, which is going to give you that growth.","start":951.05005,"end":968.87,"sentiment":"neutral","sentiment_score":0.1369215664995271},{"text":"And then we do have about 10% in defensive, like your cash, your gold, your fixed interest, but that limit fluctuations a little bit.","start":969.17,"end":978.23,"sentiment":"neutral","sentiment_score":0.10951191869874795},{"text":"And, also, when it comes to time frame, so making sure you have enough time in the market for those fluctuation, typically, in a high growth portfolio, we do wanna allow at least eight years until retirement.","start":978.85,"end":989.84503,"sentiment":"neutral","sentiment_score":0.07605727852599041}],"sentiment":"neutral","sentiment_score":0.10381576199543432,"channel":0,"num_words":138,"start":937.055,"end":989.84503},{"sentences":[{"text":"So at the moment, obviously, you you have that time behind you as long as you are still comfortable with a high growth portfolio.","start":991.10504,"end":998.33997,"sentiment":"neutral","sentiment_score":0.08338781803225477}],"sentiment":"neutral","sentiment_score":0.08338781803225477,"channel":0,"num_words":24,"start":991.10504,"end":998.33997},{"sentences":[{"text":"Yeah.","start":1000.05,"end":1000.21,"sentiment":"neutral","sentiment_score":0.1984798163175583},{"text":"I'm still comfortable.","start":1000.21,"end":1001.27,"sentiment":"neutral","sentiment_score":0.22476003070672354},{"text":"Yep.","start":1001.41,"end":1001.91,"sentiment":"neutral","sentiment_score":0.3263856768608093}],"sentiment":"neutral","sentiment_score":0.23982911705970764,"channel":1,"num_words":5,"start":1000.05,"end":1001.91},{"sentences":[{"text":"You're still comfortable?","start":1001.51996,"end":1002.42,"sentiment":"neutral","sentiment_score":0.2774461458126704},{"text":"Okay.","start":1002.48,"end":1002.95996,"sentiment":"positive","sentiment_score":0.4311598241329193},{"text":"Perfect.","start":1002.95996,"end":1003.45996,"sentiment":"positive","sentiment_score":0.638659656047821},{"text":"And that kind of shows you in that Vanguard chart as well in the email.","start":1004.0,"end":1008.245,"sentiment":"positive","sentiment_score":0.5269322693347931},{"text":"It kind of breaks down the different asset classes, which is good.","start":1008.245,"end":1012.825,"sentiment":"positive","sentiment_score":0.5100597018996874}],"sentiment":"positive","sentiment_score":0.49771432438865304,"channel":0,"num_words":32,"start":1001.51996,"end":1012.825},{"sentences":[{"text":"Mhmm.","start":1014.03503,"end":1014.53503,"sentiment":"neutral","sentiment_score":0.09519854187965392}],"sentiment":"neutral","sentiment_score":0.09519854187965392,"channel":1,"num_words":1,"start":1014.03503,"end":1014.53503},{"sentences":[{"text":"Now what I will also go through is just a bit of an updated fact find with you just to see if there's anything else or anything major that has changed in your life.","start":1014.245,"end":1025.01,"sentiment":"neutral","sentiment_score":0.03471034836462315},{"text":"If part of the reason, I do have a look at those investments, if there's any other tweaks and changes we have to do to your advice.","start":1025.55,"end":1032.37,"sentiment":"neutral","sentiment_score":0.036773342018326126},{"text":"So just kind of bear with me as I do go through this information.","start":1033.005,"end":1036.465,"sentiment":"neutral","sentiment_score":0.03474727352815015},{"text":"Now when it comes to your personal details, I have you down here as in, that you are in a de facto relationship dependent.","start":1038.045,"end":1047.2001,"sentiment":"neutral","sentiment_score":0.005280133492002885},{"text":"Is that correct?","start":1047.26,"end":1048.0801,"sentiment":"neutral","sentiment_score":0.007785710195700328}],"sentiment":"neutral","sentiment_score":0.02754484551648299,"channel":0,"num_words":102,"start":1014.245,"end":1048.0801},{"sentences":[{"text":"Mhmm.","start":1048.9601,"end":1049.4601,"sentiment":"neutral","sentiment_score":-0.0005071782507002354},{"text":"Not not de","start":1049.52,"end":1050.16,"sentiment":"neutral","sentiment_score":-0.051193962494532265}],"sentiment":"neutral","sentiment_score":-0.03852226643357426,"channel":1,"num_words":4,"start":1048.9601,"end":1050.16},{"sentences":[{"text":"Yep.","start":1050.14,"end":1050.64,"sentiment":"neutral","sentiment_score":-0.03773187845945358}],"sentiment":"neutral","sentiment_score":-0.03773187845945358,"channel":0,"num_words":1,"start":1050.14,"end":1050.64},{"sentences":[{"text":"facto anymore.","start":1050.16,"end":1051.14,"sentiment":"neutral","sentiment_score":-0.0328250527381897},{"text":"Married.","start":1051.52,"end":1052.02,"sentiment":"neutral","sentiment_score":0.0055603086948394775},{"text":"Yeah.","start":1052.3201,"end":1052.8201,"sentiment":"neutral","sentiment_score":0.05842137709259987}],"sentiment":"neutral","sentiment_score":-0.00041710492223501205,"channel":1,"num_words":4,"start":1050.16,"end":1052.8201},{"sentences":[{"text":"Oh, lovely.","start":1052.78,"end":1053.74,"sentiment":"neutral","sentiment_score":0.23909087479114532},{"text":"I will update that.","start":1053.74,"end":1054.9401,"sentiment":"neutral","sentiment_score":0.29976120591163635},{"text":"Congratulations.","start":1054.9401,"end":1055.4401,"sentiment":"positive","sentiment_score":0.3541801869869232},{"text":"When did you get married?","start":1055.98,"end":1057.28,"sentiment":"neutral","sentiment_score":0.07832684591412545}],"sentiment":"neutral","sentiment_score":0.20192008248219886,"channel":0,"num_words":12,"start":1052.78,"end":1057.28},{"sentences":[{"text":"Last year, June.","start":1058.205,"end":1060.065,"sentiment":"neutral","sentiment_score":0.07152028381824493}],"sentiment":"neutral","sentiment_score":0.07152028381824493,"channel":1,"num_words":3,"start":1058.205,"end":1060.065},{"sentences":[{"text":"Lovely.","start":1061.125,"end":1061.625,"sentiment":"positive","sentiment_score":0.4035219252109528},{"text":"I will definitely 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otherwise, are you politically exposed at all or a tax resident in any foreign jurisdiction?","start":1349.8201,"end":1358.24,"sentiment":"neutral","sentiment_score":-0.20655797002837062}],"sentiment":"neutral","sentiment_score":-0.17771394629227488,"channel":0,"num_words":19,"start":1347.02,"end":1358.24},{"sentences":[{"text":"Nope.","start":1359.1849,"end":1359.6849,"sentiment":"neutral","sentiment_score":-0.24204954504966736}],"sentiment":"neutral","sentiment_score":-0.24204954504966736,"channel":1,"num_words":1,"start":1359.1849,"end":1359.6849},{"sentences":[{"text":"No.","start":1360.305,"end":1360.705,"sentiment":"neutral","sentiment_score":-0.1945979744195938},{"text":"Lovely.","start":1360.705,"end":1361.205,"sentiment":"neutral","sentiment_score":-0.04309561103582382},{"text":"And when it comes to our guest goals, so stuff that you are working towards or that you are wanting to achieve, during the annual review, it's also a good kind of touch point to see if anything has changed, if anything has been achieved, or how things are going.","start":1362.305,"end":1375.6901,"sentiment":"neutral","sentiment_score":0.30960106968879697},{"text":"So last time we spoke, your main focus was to pay down the mortgage as much as possible, which you guys basically have because it's sitting in the offset for you, which is great.","start":1376.31,"end":1387.905,"sentiment":"positive","sentiment_score":0.4078797176480293}],"sentiment":"positive","sentiment_score":0.3384915151048538,"channel":0,"num_words":86,"start":1360.305,"end":1387.905},{"sentences":[{"text":"Mhmm.","start":1388.5651,"end":1389.0651,"sentiment":"neutral","sentiment_score":0.11296499520540236}],"sentiment":"neutral","sentiment_score":0.11296499520540236,"channel":1,"num_words":1,"start":1388.5651,"end":1389.0651},{"sentences":[{"text":"And then maybe look at some other investments outside Super, which you obviously have a little bit.","start":1389.245,"end":1396.285,"sentiment":"neutral","sentiment_score":0.09887533459593267},{"text":"Is this still kind of something you guys are working towards, like an investment property or any other types of investments?","start":1396.285,"end":1402.36,"sentiment":"neutral","sentiment_score":0.049546095941747935}],"sentiment":"neutral","sentiment_score":0.07161443955019901,"channel":0,"num_words":38,"start":1389.245,"end":1402.36},{"sentences":[{"text":"We are just currently putting on ETFs and shares.","start":1403.975,"end":1406.9551,"sentiment":"neutral","sentiment_score":0.023339056720336277},{"text":"Nothing else at the moment.","start":1407.015,"end":1408.3151,"sentiment":"neutral","sentiment_score":-0.017695333063602447}],"sentiment":"neutral","sentiment_score":0.008683917511786734,"channel":1,"num_words":14,"start":1403.975,"end":1408.3151},{"sentences":[{"text":"Yep.","start":1409.3,"end":1409.4601,"sentiment":"neutral","sentiment_score":0.05061617493629456},{"text":"No.","start":1409.4601,"end":1409.78,"sentiment":"neutral","sentiment_score":0.038166869431734085},{"text":"Perfect.","start":1409.78,"end":1410.28,"sentiment":"neutral","sentiment_score":0.32586243748664856},{"text":"Then do you guys have any other financial or nonfinancial goals that you guys are working towards at all?","start":1410.42,"end":1416.745,"sentiment":"neutral","sentiment_score":0.08835073815364587}],"sentiment":"neutral","sentiment_score":0.09515043212608858,"channel":0,"num_words":22,"start":1409.3,"end":1416.745},{"sentences":[{"text":"I was trying to retire as early as we can.","start":1417.98,"end":1420.38,"sentiment":"neutral","sentiment_score":0.019612302631139757}],"sentiment":"neutral","sentiment_score":0.019612302631139757,"channel":1,"num_words":10,"start":1417.98,"end":1420.38},{"sentences":[{"text":"Yes.","start":1420.245,"end":1420.745,"sentiment":"neutral","sentiment_score":0.0723458081483841}],"sentiment":"neutral","sentiment_score":0.0723458081483841,"channel":0,"num_words":1,"start":1420.245,"end":1420.745},{"sentences":[{"text":"That's that's it.","start":1420.38,"end":1421.6,"sentiment":"neutral","sentiment_score":0.041001551474134125},{"text":"Nothing","start":1421.82,"end":1422.22,"sentiment":"neutral","sentiment_score":-0.0013486221432685852}],"sentiment":"neutral","sentiment_score":0.03041400806978345,"channel":1,"num_words":4,"start":1420.38,"end":1422.22},{"sentences":[{"text":"Yes.","start":1422.005,"end":1422.505,"sentiment":"neutral","sentiment_score":0.022400766611099243}],"sentiment":"neutral","sentiment_score":0.022400766611099243,"channel":0,"num_words":1,"start":1422.005,"end":1422.505},{"sentences":[{"text":"else.","start":1422.22,"end":1422.72,"sentiment":"neutral","sentiment_score":0.031338080763816833}],"sentiment":"neutral","sentiment_score":0.031338080763816833,"channel":1,"num_words":1,"start":1422.22,"end":1422.72},{"sentences":[{"text":"No.","start":1422.645,"end":1423.145,"sentiment":"neutral","sentiment_score":-0.013092715293169022},{"text":"No.","start":1423.6,"end":1423.84,"sentiment":"neutral","sentiment_score":0.07310084998607635},{"text":"That is good.","start":1423.84,"end":1425.0399,"sentiment":"positive","sentiment_score":0.4325827856858571},{"text":"And you guys are you are in a good position with, obviously, plenty of time under retirement, obviously, everything in the offset account, which is beautiful.","start":1425.0399,"end":1434.0,"sentiment":"positive","sentiment_score":0.5903199234834084},{"text":"You do have personal investments to diversify, and you are on that high income as well.","start":1434.0,"end":1438.835,"sentiment":"positive","sentiment_score":0.6198641825467348}],"sentiment":"positive","sentiment_score":0.5664659877248267,"channel":0,"num_words":47,"start":1422.645,"end":1438.835},{"sentences":[{"text":"So a lot of opportunities for that, which is wonderful.","start":1438.835,"end":1442.695,"sentiment":"positive","sentiment_score":0.7347228050231933},{"text":"Now the last couple of documents in the email when it does load for you, Michael, there is two documents that will require your signature if you're happy to do so.","start":1444.275,"end":1455.64,"sentiment":"neutral","sentiment_score":0.18584433246043422},{"text":"One is your ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":1456.26,"end":1464.5951,"sentiment":"neutral","sentiment_score":0.3224587616595355},{"text":"Now this one here as well, there is no changes whatsoever in regards to the fee structure for you.","start":1465.135,"end":1472.275,"sentiment":"neutral","sentiment_score":0.14297466332975187},{"text":"Because, obviously, your wife is a client as well, you are on that reduced couple fee at 1.1 from superannuation.","start":1472.895,"end":1482.42,"sentiment":"neutral","sentiment_score":0.3035044476389885}],"sentiment":"neutral","sentiment_score":0.2842068889123552,"channel":0,"num_words":102,"start":1438.835,"end":1482.42},{"sentences":[{"text":"So that stays exactly the same for you.","start":1482.88,"end":1485.46,"sentiment":"positive","sentiment_score":0.40708354488015175},{"text":"And it is also not a lock in contract.","start":1485.68,"end":1488.08,"sentiment":"neutral","sentiment_score":0.07647131424811152},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1488.08,"end":1492.1,"sentiment":"neutral","sentiment_score":-0.015730062706602946},{"text":"But, otherwise, by signing this one, it just allows us to manage all your investments and everything for you in the meantime.","start":1492.56,"end":1499.165,"sentiment":"positive","sentiment_score":0.38714074478908017},{"text":"Does that all make sense?","start":1499.625,"end":1500.925,"sentiment":"neutral","sentiment_score":0.25870580971241}],"sentiment":"neutral","sentiment_score":0.21729668536253513,"channel":0,"num_words":62,"start":1482.88,"end":1500.925},{"sentences":[{"text":"Mhmm.","start":1501.39,"end":1501.47,"sentiment":"neutral","sentiment_score":0.11013686656951904},{"text":"Yep.","start":1501.47,"end":1501.97,"sentiment":"neutral","sentiment_score":0.16851934790611267},{"text":"Yep.","start":1502.1901,"end":1502.6901,"sentiment":"neutral","sentiment_score":0.2057989537715912}],"sentiment":"neutral","sentiment_score":0.16148505608240762,"channel":1,"num_words":3,"start":1501.39,"end":1502.6901},{"sentences":[{"text":"Yep.","start":1502.265,"end":1502.665,"sentiment":"positive","sentiment_score":0.3534955382347107},{"text":"Perfect.","start":1502.665,"end":1503.165,"sentiment":"positive","sentiment_score":0.6900925636291504},{"text":"Now the other document, it is just a tax file number form.","start":1503.625,"end":1507.385,"sentiment":"neutral","sentiment_score":0.2903623792032401},{"text":"It is a compliance form basically saying that we are keeping your tax file number secure and safe on file.","start":1507.385,"end":1513.49,"sentiment":"neutral","sentiment_score":0.3138447619974613},{"text":"So those two documents, it will ask for your signature if you're happy to do so, obviously, when you can access your email.","start":1514.2699,"end":1521.8899,"sentiment":"neutral","sentiment_score":0.2809653191462807}],"sentiment":"neutral","sentiment_score":0.3029304251336215,"channel":0,"num_words":57,"start":1502.265,"end":1521.8899},{"sentences":[{"text":"And you also have a copy of the new services guides included in the email.","start":1523.015,"end":1529.4349,"sentiment":"neutral","sentiment_score":0.22387690941492716},{"text":"You would have seen this a couple of times before, but it's essentially just gives you all the important information in regards to us here I spoke to you.","start":1529.975,"end":1537.835,"sentiment":"neutral","sentiment_score":0.26540029151686306},{"text":"So that was essentially all the documents and stuff that I needed to run through with you.","start":1538.14,"end":1543.36,"sentiment":"neutral","sentiment_score":0.2654924462823307},{"text":"Do you have any questions or anything else you would like to address before I let you get back to your holiday?","start":1543.5,"end":1550.415,"sentiment":"neutral","sentiment_score":0.14789033715020528}],"sentiment":"neutral","sentiment_score":0.2267677240881575,"channel":0,"num_words":83,"start":1523.015,"end":1550.415},{"sentences":[{"text":"That sounds pretty straightforward.","start":1551.3651,"end":1552.665,"sentiment":"positive","sentiment_score":0.4986634626984596}],"sentiment":"positive","sentiment_score":0.4986634626984596,"channel":1,"num_words":4,"start":1551.3651,"end":1552.665},{"sentences":[{"text":"Matt?","start":1552.9751,"end":1553.4751,"sentiment":"neutral","sentiment_score":0.20010906457901},{"text":"Yep.","start":1553.535,"end":1553.935,"sentiment":"positive","sentiment_score":0.3569747805595398},{"text":"Beautiful.","start":1553.935,"end":1554.435,"sentiment":"positive","sentiment_score":0.6543174386024475},{"text":"So what I will do while I have you on the phone is just to book in a time for us to go through the research, on your investments.","start":1554.735,"end":1562.5951,"sentiment":"neutral","sentiment_score":0.32289508139264994},{"text":"So","start":1564.35,"end":1564.85,"sentiment":"neutral","sentiment_score":0.11332092434167862}],"sentiment":"neutral","sentiment_score":0.32389938086271286,"channel":0,"num_words":33,"start":1552.9751,"end":1564.85},{"sentences":[{"text":"Mhmm.","start":1564.92,"end":1565.42,"sentiment":"neutral","sentiment_score":0.0923979878425598}],"sentiment":"neutral","sentiment_score":0.0923979878425598,"channel":1,"num_words":1,"start":1564.92,"end":1565.42},{"sentences":[{"text":"when is a best time for yourself to do that?","start":1565.15,"end":1568.93,"sentiment":"neutral","sentiment_score":0.1270860455930233}],"sentiment":"neutral","sentiment_score":0.1270860455930233,"channel":0,"num_words":10,"start":1565.15,"end":1568.93},{"sentences":[{"text":"How fast you can do your research?","start":1571.685,"end":1573.305,"sentiment":"neutral","sentiment_score":0.12004725847925458}],"sentiment":"neutral","sentiment_score":0.12004725847925458,"channel":1,"num_words":7,"start":1571.685,"end":1573.305},{"sentences":[{"text":"It will take me about a week to put together.","start":1575.23,"end":1578.29,"sentiment":"neutral","sentiment_score":0.026295382529497147},{"text":"So I would say the earliest is probably the, say, next week.","start":1578.605,"end":1584.865,"sentiment":"neutral","sentiment_score":0.02021821852152546}],"sentiment":"neutral","sentiment_score":0.02298056579787623,"channel":0,"num_words":22,"start":1575.23,"end":1584.865},{"sentences":[{"text":"Next next Thursday or Friday?","start":1587.3,"end":1588.9801,"sentiment":"neutral","sentiment_score":0.006210125796496868},{"text":"Anytime be okay.","start":1588.9801,"end":1590.2001,"sentiment":"neutral","sentiment_score":0.034976777931054435}],"sentiment":"neutral","sentiment_score":0.016997620346955955,"channel":1,"num_words":8,"start":1587.3,"end":1590.2001},{"sentences":[{"text":"Next.","start":1589.725,"end":1590.225,"sentiment":"neutral","sentiment_score":0.030874105170369148}],"sentiment":"neutral","sentiment_score":0.030874105170369148,"channel":0,"num_words":1,"start":1589.725,"end":1590.225},{"sentences":[{"text":"Yeah.","start":1590.26,"end":1590.435,"sentiment":"neutral","sentiment_score":0.04651841148734093}],"sentiment":"neutral","sentiment_score":0.04651841148734093,"channel":1,"num_words":1,"start":1590.26,"end":1590.435},{"sentences":[{"text":"Okay.","start":1590.605,"end":1590.925,"sentiment":"neutral","sentiment_score":0.048708733171224594},{"text":"Anytime.","start":1590.925,"end":1591.405,"sentiment":"neutral","sentiment_score":0.05335155129432678},{"text":"Okay.","start":1591.405,"end":1591.645,"sentiment":"neutral","sentiment_score":0.16760846972465515},{"text":"Beautiful.","start":1591.645,"end":1592.125,"sentiment":"positive","sentiment_score":0.4274302124977112},{"text":"Let me have a look here.","start":1592.125,"end":1593.44,"sentiment":"neutral","sentiment_score":0.18609617898861566}],"sentiment":"neutral","sentiment_score":0.18136760406196117,"channel":0,"num_words":10,"start":1590.605,"end":1593.44},{"sentences":[{"text":"Now I could do so you'll be back in WA then, right,","start":1593.44,"end":1597.3,"sentiment":"neutral","sentiment_score":0.06694535662730534}],"sentiment":"neutral","sentiment_score":0.06694535662730534,"channel":0,"num_words":12,"start":1593.44,"end":1597.3},{"sentences":[{"text":"Yep.","start":1597.155,"end":1597.655,"sentiment":"neutral","sentiment_score":0.04559674113988876}],"sentiment":"neutral","sentiment_score":0.04559674113988876,"channel":1,"num_words":1,"start":1597.155,"end":1597.655},{"sentences":[{"text":"just for","start":1597.36,"end":1597.92,"sentiment":"neutral","sentiment_score":0.04406157322227955}],"sentiment":"neutral","sentiment_score":0.04406157322227955,"channel":0,"num_words":2,"start":1597.36,"end":1597.92},{"sentences":[{"text":"Yep.","start":1597.875,"end":1598.375,"sentiment":"neutral","sentiment_score":0.021637169644236565}],"sentiment":"neutral","sentiment_score":0.021637169644236565,"channel":1,"num_words":1,"start":1597.875,"end":1598.375},{"sentences":[{"text":"time differences?","start":1597.92,"end":1598.74,"sentiment":"neutral","sentiment_score":0.022847972810268402},{"text":"Perfect.","start":1599.44,"end":1599.94,"sentiment":"neutral","sentiment_score":0.23431414365768433}],"sentiment":"neutral","sentiment_score":0.09333669642607371,"channel":0,"num_words":3,"start":1597.92,"end":1599.94},{"sentences":[{"text":"Yep.","start":1599.4751,"end":1599.9751,"sentiment":"neutral","sentiment_score":0.08966535329818726}],"sentiment":"neutral","sentiment_score":0.08966535329818726,"channel":1,"num_words":1,"start":1599.4751,"end":1599.9751},{"sentences":[{"text":"Now what I could do is I could do three o'clock, which will be 01:00 your time.","start":1601.52,"end":1610.805,"sentiment":"neutral","sentiment_score":0.08472019916071612},{"text":"Would that work?","start":1610.805,"end":1611.785,"sentiment":"neutral","sentiment_score":0.09623470902442932}],"sentiment":"neutral","sentiment_score":0.08644737564027309,"channel":0,"num_words":20,"start":1601.52,"end":1611.785},{"sentences":[{"text":"Yep.","start":1612.41,"end":1612.91,"sentiment":"neutral","sentiment_score":0.07245476543903351},{"text":"Yep.","start":1613.13,"end":1613.63,"sentiment":"neutral","sentiment_score":0.08337073773145676}],"sentiment":"neutral","sentiment_score":0.07791275158524513,"channel":1,"num_words":2,"start":1612.41,"end":1613.63},{"sentences":[{"text":"Yep.","start":1613.525,"end":1614.025,"sentiment":"neutral","sentiment_score":0.12258222699165344},{"text":"Okay.","start":1614.0851,"end":1614.5851,"sentiment":"neutral","sentiment_score":0.28195375204086304},{"text":"Beautiful.","start":1614.645,"end":1615.145,"sentiment":"positive","sentiment_score":0.5034654140472412},{"text":"So I will book that in on Thursday, August 27 at 1PM your time.","start":1615.605,"end":1623.385,"sentiment":"neutral","sentiment_score":0.21504847598927362},{"text":"If anything does change and you can't make it, just let me know, and we can always get that rescheduled for you.","start":1623.9199,"end":1631.2999,"sentiment":"neutral","sentiment_score":0.10927924344485457}],"sentiment":"neutral","sentiment_score":0.16212367724913818,"channel":0,"num_words":39,"start":1613.525,"end":1631.2999},{"sentences":[{"text":"But, otherwise, I'll go through if I do make any recommendation on changing any investments, I'll kind of go go through and talk you through all of that.","start":1631.76,"end":1639.335,"sentiment":"neutral","sentiment_score":0.14306947628834418},{"text":"And then the choice is completely up to you after that whether you do wanted to go ahead with the the change or not.","start":1639.575,"end":1645.0349,"sentiment":"neutral","sentiment_score":0.15443853630373874}],"sentiment":"neutral","sentiment_score":0.14831673475698784,"channel":0,"num_words":52,"start":1631.76,"end":1645.0349},{"sentences":[{"text":"Okay.","start":1645.5499,"end":1646.0499,"sentiment":"positive","sentiment_score":0.4068213701248169},{"text":"Sounds good.","start":1646.11,"end":1646.685,"sentiment":"positive","sentiment_score":0.6623291373252869}],"sentiment":"positive","sentiment_score":0.5771598815917969,"channel":1,"num_words":3,"start":1645.5499,"end":1646.685},{"sentences":[{"text":"Yep.","start":1646.7749,"end":1647.255,"sentiment":"positive","sentiment_score":0.5569405555725098},{"text":"Beautiful.","start":1647.255,"end":1647.755,"sentiment":"positive","sentiment_score":0.7526587247848511},{"text":"Do you have any other questions for me before I let you go otherwise?","start":1647.975,"end":1650.955,"sentiment":"neutral","sentiment_score":0.21464889443346433}],"sentiment":"neutral","sentiment_score":0.26966773765161633,"channel":0,"num_words":16,"start":1646.7749,"end":1650.955},{"sentences":[{"text":"No.","start":1651.645,"end":1651.805,"sentiment":"neutral","sentiment_score":-0.0626479759812355},{"text":"That's it.","start":1651.805,"end":1652.3651,"sentiment":"neutral","sentiment_score":0.057706988183781505},{"text":"All good.","start":1652.3651,"end":1653.1051,"sentiment":"positive","sentiment_score":0.36421123147010803}],"sentiment":"neutral","sentiment_score":0.1562376926653087,"channel":1,"num_words":5,"start":1651.645,"end":1653.1051},{"sentences":[{"text":"No.","start":1652.855,"end":1653.355,"sentiment":"neutral","sentiment_score":0.18303078413009644},{"text":"Beautiful.","start":1653.575,"end":1654.075,"sentiment":"positive","sentiment_score":0.6304978132247925},{"text":"Thank you so much for today, Michael.","start":1654.135,"end":1656.03,"sentiment":"positive","sentiment_score":0.7949109843799046},{"text":"And, hopefully, you guys get a nice, sunny weather for the rest of the holiday that you guys are up.","start":1656.03,"end":1661.3301,"sentiment":"positive","sentiment_score":0.7024085134267807}],"sentiment":"positive","sentiment_score":0.7043474398810288,"channel":0,"num_words":29,"start":1652.855,"end":1661.3301},{"sentences":[{"text":"No problem.","start":1662.75,"end":1663.3099,"sentiment":"positive","sentiment_score":0.3953581005334854},{"text":"Thanks for holding it.","start":1663.3099,"end":1664.61,"sentiment":"positive","sentiment_score":0.6594361513853073}],"sentiment":"positive","sentiment_score":0.5714101344347,"channel":1,"num_words":6,"start":1662.75,"end":1664.61},{"sentences":[{"text":"No problem.","start":1664.9329,"end":1665.5729,"sentiment":"neutral","sentiment_score":0.3219197392463684},{"text":"We'll speak on Thursday, the twenty seventh.","start":1665.5729,"end":1667.5929,"sentiment":"neutral","sentiment_score":0.23746558598109654}],"sentiment":"neutral","sentiment_score":0.2562331755956014,"channel":0,"num_words":9,"start":1664.9329,"end":1667.5929},{"sentences":[{"text":"Sounds good.","start":1667.87,"end":1668.59,"sentiment":"positive","sentiment_score":0.6708822548389435},{"text":"See you.","start":1668.59,"end":1669.25,"sentiment":"positive","sentiment_score":0.5110178738832474}],"sentiment":"positive","sentiment_score":0.5909500643610954,"channel":1,"num_words":4,"start":1667.87,"end":1669.25},{"sentences":[{"text":"See you then.","start":1669.7329,"end":1670.533,"sentiment":"positive","sentiment_score":0.37627894679705304},{"text":"Bye.","start":1670.533,"end":1671.033,"sentiment":"neutral","sentiment_score":-0.10494448244571686}],"sentiment":"neutral","sentiment_score":0.25597308948636055,"channel":0,"num_words":4,"start":1669.7329,"end":1671.033}]},"summary":{"result":"success","short":"Representatives from Financial speak with Michael to go over his annual review and emphasizes the importance of being proactive in making sure his investments are in the best options for him. They discuss different investment options, including the home and risk profile questionnaire, and provide personal details and advice on retirement goals and bookings for a research session. The speaker emphasizes the importance of staying flexible in the risk profile and offers to send legal nomination information."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with Yep. you.","start_word":50,"end_word":81,"intents":[{"intent":"Inform about call recording","confidence_score":0.013927652}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Please?","start_word":88,"end_word":121,"intents":[{"intent":"Confirm identity","confidence_score":0.7703672},{"intent":"Confirm identity","confidence_score":0.3808298},{"intent":"Gather personal information","confidence_score":0.00017577168}]},{"text":"We are actually in Brisbane at the moment. Oh, lovely.","start_word":167,"end_word":176,"intents":[{"intent":"Confirm location","confidence_score":0.30632606}]},{"text":"We're we're traveling for holiday. Yep. Oh, lovely.","start_word":196,"end_word":203,"intents":[{"intent":"Inquire about travel plans","confidence_score":0.047436308}]},{"text":"Well, I will try not to keep you for too long, obviously, on on holiday.","start_word":290,"end_word":304,"intents":[{"intent":"End conversation","confidence_score":0.008455587}]},{"text":"Just let let's check how our last year performed and what's our strategy for the Mhmm. next next financial year, next couple of until year. Yep.","start_word":357,"end_word":382,"intents":[{"intent":"Check last year","confidence_score":0.00032474363},{"intent":"Assess mhu's performance and strategy","confidence_score":0.00001886573},{"intent":"Update mhu","confidence_score":0.0003120948}]},{"text":"Now what I have done is to send you an email with some documents to go through, which does show your performance and where everything is at with your super and your insurance oh, sorry, with your superannuation.","start_word":386,"end_word":423,"intents":[{"intent":"Provide documents and documents","confidence_score":0.013826815}]},{"text":"Do you have access to your emails at the moment, Yep. Michael?","start_word":424,"end_word":435,"intents":[{"intent":"Confirm identity","confidence_score":0.023235502}]},{"text":"And if you have any questions, you can then let me know.","start_word":481,"end_word":492,"intents":[{"intent":"Answer questions","confidence_score":0.003465702}]},{"text":"Now it will ask you to click on a link, on a link to sign.","start_word":536,"end_word":550,"intents":[{"intent":"Provide link to document","confidence_score":0.00021620085}]},{"text":"Now the next document does break down your portfolio, your investments, and kind of happened in the last twelve months. So it shows you from the 08/15/2025 until the 08/14/2026. So it gives you a good kind of breakdown of your portfolio, your investments, and everything over the last twelve months.","start_word":648,"end_word":698,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.6898172}]},{"text":"But when it comes to your investments, we do want to be proactive in making sure that we always have you in the best options possible for you. And if there is one that we foresee might not be the best option moving forward, then we wanna do the research and see if we can put you in a better position as well.","start_word":999,"end_word":1061,"intents":[{"intent":"Evaluate investments","confidence_score":0.15070166}]},{"text":"So what I would like to do next is just to go through just another risk profile questionnaire with you to see if we need to make any changes to your risk profile to how the money is invested from a risk perspective in Mhmm.","start_word":1504,"end_word":1548,"intents":[{"intent":"Prepare for investments","confidence_score":0.0003612151}]},{"text":"Now when it comes to your personal details, I have you down here as in, that you are in a de facto relationship dependent. Is that correct? Mhmm.","start_word":2622,"end_word":2649,"intents":[{"intent":"Update personal information","confidence_score":0.20361845}]},{"text":"And I have here that your employer pays you that standard 12% contribution.","start_word":2743,"end_word":2755,"intents":[{"intent":"Confirm contribution","confidence_score":0.08245418}]},{"text":"Now I also just wanna confirm the assets I have listed here to see if anything has changed. So I have your property vied at about 600,000. Does that Yep.","start_word":2850,"end_word":2879,"intents":[{"intent":"Confirm asset balance","confidence_score":0.014680007}]},{"text":"And then I added the personal investments. Any other assets we haven't gone through? No.","start_word":2983,"end_word":2997,"intents":[{"intent":"Discuss personal investments","confidence_score":0.007205817}]},{"text":"And when it comes to health and lifestyle, I have you down here as a. Is that still the case? Yeah.","start_word":3022,"end_word":3042,"intents":[{"intent":"Discuss health and lifestyle changes","confidence_score":0.16679446}]},{"text":"And do you have private health insurance? Yeah.","start_word":3077,"end_word":3084,"intents":[{"intent":"Request information","confidence_score":0.030233664}]},{"text":"So what I will do while I have you on the phone is just to book in a time for us to go through the research, on your investments. So Mhmm.","start_word":3940,"end_word":3970,"intents":[{"intent":"Schedule investment review","confidence_score":0.023181511}]}]},"sentiments":{"segments":[{"text":"Hello. Am I speaking? Good afternoon, Michael. This is Veronica from Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.2144959717988968},{"text":"I'm good. How are you? I'm good. Thanks. I had you booked in to go over your annual review.","start_word":15,"end_word":33,"sentiment":"positive","sentiment_score":0.4654268622398377},{"text":"Is now still a good time for you? Yeah. That's fine. Go ahead. Yeah. Yep.","start_word":34,"end_word":48,"sentiment":"neutral","sentiment_score":0.24718092381954193},{"text":"Perfect.","start_word":49,"end_word":49,"sentiment":"positive","sentiment_score":0.39441514015197754},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with Yep. you. Yep. That's fine. Yep. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Please? Yep. Full name is. Yep. Date of birth is 11/12/1996. Yep. Address is 220 A Beachborough, North Bayswater, Western Australia. Yep.","start_word":50,"end_word":142,"sentiment":"neutral","sentiment_score":0.04551497101783752},{"text":"Beautiful. That's exactly what I have here.","start_word":143,"end_word":149,"sentiment":"positive","sentiment_score":0.5415332317352295},{"text":"And and how's your day been so far? Been busy? Oh, yeah. Yeah. Yeah. Not too bad. We are actually in Brisbane at the moment. Oh, lovely. Not too Yep. far away from us. Are Nah. you Nah. on a holiday or for work? Oh, yeah. We're we're traveling for holiday. Yep. Oh, lovely. And how long are you guys gonna be over this Going here going to be here till day? this Friday. Oh, Yep. nice. And do you have much planned while you're up here? We we are yeah. We have few places to go. Yeah. Next couple day next couple days will be in Gold Coast. Oh, nice.","start_word":150,"end_word":260,"sentiment":"neutral","sentiment_score":0.02373308315873146},{"text":"Beautiful.","start_word":261,"end_word":261,"sentiment":"positive","sentiment_score":0.3404911756515503},{"text":"Yep. Well, hopefully, the weather is good for you. Yeah. Let's see. It's raining now, but we'll see. Yeah. Yep. Hopefully, over the weekend, it's a bit nicer. Well, I will try not to keep you for too long, obviously, on on holiday. Now before I do jump into things, Michael, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any particular questions that you might have or just a bit of an update and see where everything is at? Just let let's check how our last year performed and what's our strategy for the Mhmm. next next financial year, next couple of until year. Yep. Yep.","start_word":262,"end_word":383,"sentiment":"neutral","sentiment_score":0.09131386411971731},{"text":"Okay. Beautiful.","start_word":384,"end_word":385,"sentiment":"positive","sentiment_score":0.575267493724823},{"text":"Now what I have done is to send you an email with some documents to go through, which does show your performance and where everything is at with your super and your insurance oh, sorry, with your superannuation. Do you have access to your emails at the moment, Yep. Michael? But Internet Yep.","start_word":386,"end_word":438,"sentiment":"neutral","sentiment_score":0.14154119789600372},{"text":"is very slow.","start_word":439,"end_word":441,"sentiment":"negative","sentiment_score":-0.4976661801338196},{"text":"Okay. That's okay. If if it's a bit tricky for it to load, I can always go through it with you. And then later, if if it takes a while to load, you can have a look at them. And if you have any questions, you can then let me know. Or if you do wanna wait for it to load, that's also completely We'll skip the loading. It's not loading. fine. Okay. No no worries at all. Now when it does load, you will see that you have received an email from me. Now it will ask you to click on a link, on a link to sign. It doesn't mean you will have to sign right away, though. It will just, mean clicking on that link, it just allows you to open up the Mhmm. document, you will have a couple of different attachments. Now the first one is a breakdown of your So at the moment, you have your super with HUB 24, and you do have a $1,633,000 or $250 in there. Okay? Mhmm. Yep. Now you don't have any insurances either. Are you still comfortable and happy without insurances? Yeah. Yeah. Yeah. Yeah.","start_word":442,"end_word":639,"sentiment":"neutral","sentiment_score":0.023798741400241852},{"text":"Still happy at the moment. Yeah. Perfect.","start_word":640,"end_word":646,"sentiment":"positive","sentiment_score":0.4178226888179779},{"text":"Now the next document does break down your portfolio, your investments, and kind of happened in the last twelve months. So it shows you from the 08/15/2025 until the 08/14/2026.","start_word":647,"end_word":676,"sentiment":"neutral","sentiment_score":0.09391479194164276},{"text":"So it gives you a good kind of breakdown of your portfolio, your investments, and everything over the last twelve months.","start_word":677,"end_word":697,"sentiment":"positive","sentiment_score":0.3386806547641754},{"text":"Now it shows you everything in net of a fees as well. So after fees have been deducted from your account, and it does break down your individual investments as well. Now on an overview, your portfolio so in the last twelve months, we have obviously seen a bit of fluctuation in the market. I'm sure you've heard on the news, obviously, everything in The US and more recently with the war as well have seen a bit of fluctuation in the market. In Mhmm. saying that, though, your portfolio has still done pretty good. So after fees in the last twelve months, it's up by 8.13%. Okay. Yep. Yep. Which equates to about $13,040, and that is just growth on your investment. So that's not contribution. Okay? Mhmm. Yep. Now with your investments as well, when the document does decide to load for you, you can actually see how every individual investment has performed, and most of them have done really well. There is one investment that is slightly underperforming a little bit at the moment, and that is your Benelong Australian equity investment. Do you are you quite familiar with the different type of investments at all there, Michael?","start_word":698,"end_word":898,"sentiment":"neutral","sentiment_score":0.03625311329960823},{"text":"No. No. I haven't I can do that one too much.","start_word":899,"end_word":909,"sentiment":"negative","sentiment_score":-0.4114498198032379},{"text":"No. No. No. That's okay. So with Benelon, it is a managed fund. So it is a little bit different through some of your other investments in that you you have a fund manager, and they're actively trying to buy and sell different investments in order to try to outperform the market.","start_word":910,"end_word":961,"sentiment":"neutral","sentiment_score":-0.1646319031715393},{"text":"Now they have been really successful and good in doing so, but more recently, they've been a little bit slower in making those decisions and are kind of slightly underperforming a little bit at the moment.","start_word":962,"end_word":997,"sentiment":"negative","sentiment_score":-0.3625933229923248},{"text":"But when it comes to your investments, we do want to be proactive in making sure that we always have you in the best options possible for you. And if there is one that we foresee might not be the best option moving forward, then we wanna do the research and see if we can put you in a better position as well.","start_word":998,"end_word":1060,"sentiment":"neutral","sentiment_score":0.09732851386070251},{"text":"So that's a really good thing with hub twenty four in that there's hundreds of different options for us to choose from to allow us to do that for you.","start_word":1061,"end_word":1090,"sentiment":"positive","sentiment_score":0.6368462443351746},{"text":"Because, obviously, things are always always changing, and what's the best for you when we spoke last year doesn't always mean it's the best, you know, each year that that comes. So it is kind of good to be proactive in that way. So are you happy for me to do some research on that investment to see if there's a potential other option that we can have a look at for you? Yes, please. Yes? Yeah. Yep. What's the Perfect. second what's the second most underperformed equities in in the portfolio? So the Benelon is the one that is underperforming a little bit. The other one that you have is the BetaShares India. So that one is fluctuating a little bit as well, which is one of those satellite investments that can do that depending on what is going on. So I can do as as a part of the research, I'll probably have a look at everything for you just to see if we need to make any changes or anything else or whether we could see those kind of coming back around and still being good investment options for you moving Mhmm. forward. Yep. Pat, do you have any questions so far? Okay. Not at the moment. Not at the moment. No. All Okay. good. Perfect.","start_word":1091,"end_word":1309,"sentiment":"neutral","sentiment_score":0.1391921043395996},{"text":"But, otherwise, overall, it's done really good. Now some of your investments have, for example, your cybersecurity, that's up by about 33%, which is pretty crazy.","start_word":1310,"end_word":1335,"sentiment":"positive","sentiment_score":0.35748252272605896},{"text":"The gold is 21%.","start_word":1336,"end_word":1339,"sentiment":"neutral","sentiment_score":0.31194305419921875},{"text":"So overall, a lot of the other investments have done well, which is great.","start_word":1340,"end_word":1353,"sentiment":"positive","sentiment_score":0.6631557941436768},{"text":"Mhmm. Now when it comes to Yep. your investments as well, so the next document you will see when it does load in is a Vanguard index chart. Now it's a little bit harder if you can't see that in front of you. But when you do have a look at it, you will see a a a graph, and it basically outlines the market from 1995 through to 2025. Now Vanguard does release one every single year, so the new one is due to be updated shortly. And it kind of shows you that over the long term, the market always goes up. The short term, you will have some ups and downs and market fluctuations depending on what is going on in the market and in the world. It also kind of shows you the different asset classes and how that kind of correlates to time as well. So what I would like to do next is just to go through just another risk profile questionnaire with you to see if we need to make any changes to your risk profile to how the money is invested from a risk perspective in Mhmm. your superannuation.","start_word":1354,"end_word":1550,"sentiment":"neutral","sentiment_score":0.09082125445005251},{"text":"So it is just multiple choice to make it nice and easy for you.","start_word":1551,"end_word":1564,"sentiment":"positive","sentiment_score":0.43340250849723816},{"text":"There is no right or wrong answer. It's just whatever you feel is the most appropriate for you, and think about these questions as well in regards to your superannuation. Does that make sense? Yep. Yeah.","start_word":1565,"end_word":1600,"sentiment":"neutral","sentiment_score":0.18942655622959137},{"text":"Perfect.","start_word":1601,"end_word":1601,"sentiment":"positive","sentiment_score":0.4154189229011536},{"text":"Now the first question here is, have you ever bought direct shares yourself? Yes. Yep. Yep. Okay. Perfect. Do you still have personal investments? You mean shares including ETFs or Yes. just pure Yep. company shares? Either Just ETF managed fund. Do you have, like, any investments outside the superannuation in your own personal Yes. name? Yep. Yep. And how much would you say you have roughly? Do you know? And I'll just Yep. add it as an asset for you. Yeah. About 180 k at the moment.","start_word":1602,"end_word":1689,"sentiment":"neutral","sentiment_score":0.0497044250369072},{"text":"Oh, beautiful.","start_word":1690,"end_word":1691,"sentiment":"positive","sentiment_score":0.3439218997955322},{"text":"And that's mainly ETFs, did you say, or it's a bit of a bit of everything? 90% of the nine g s. Yep. Yep. Okay.","start_word":1692,"end_word":1716,"sentiment":"neutral","sentiment_score":0.08215916901826859},{"text":"Perfect. That's really good.","start_word":1717,"end_word":1720,"sentiment":"positive","sentiment_score":0.6862442344427109},{"text":"So you are obviously quite familiar then in a way with obviously market fluctuations and how things work. Yes. Hold on. Yep. Yep. Yep. Yeah.","start_word":1721,"end_word":1745,"sentiment":"neutral","sentiment_score":0.13377745449543},{"text":"Perfect.","start_word":1746,"end_word":1746,"sentiment":"positive","sentiment_score":0.49923837184906006},{"text":"Now at the moment, also, when it comes to your superannuation, I have here that, obviously, you have plenty of time until you can retire, but your your focus is to retire as soon as possible at the age of 60. Is that still the case? Yep. 50. Yep. Yep.","start_word":1747,"end_word":1796,"sentiment":"neutral","sentiment_score":0.08900285512208939},{"text":"Perfect.","start_word":1797,"end_word":1797,"sentiment":"positive","sentiment_score":0.47495776414871216},{"text":"And I do have here a weekly income of about $1,500 per week, ideally, when you do retire. Do you still think that's achievable? Do you think you need a little bit more, a little bit less? That's fine. Yeah. Yep. That's fine. Okay. Yep. Perfect. Now, otherwise, when it comes to the level of risk that you are comfortable with for your superannuation, would you say that you are willing to accept very high risk, high Yes. Moderate. I would say high Yep. to very high. Yeah. High to very high. And if you had to kind of lean more towards one, which one would you Very high. say? Very high. Yep.","start_word":1798,"end_word":1910,"sentiment":"neutral","sentiment_score":0.05994315445423126},{"text":"Beautiful.","start_word":1911,"end_word":1911,"sentiment":"positive","sentiment_score":0.3829567432403565},{"text":"Now when it comes through volatilities or fluctuations, if, hypothetically speaking, you placed an investment, and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market, would you if you had the option to do so, I think that now is potentially a good time to invest a little bit more while the prices are down, or would you be kind of a bit neutral, just hold and wait to see what happens with everything, or would you like to shift to a more secure asset? But that means you are then also selling when the prices have dropped. Yes. It really depends on the asset class. To be honest, if I'm buying VGS, it's down 20%. I'll probably buy more. But Yep. if I'm buying a company shares, it totally depends on what type of type of investment it is, to be honest. Yep. So sometimes potentially invest more, sometimes hold, sometimes shift depending on what what it Yeah. is. Yep.","start_word":1912,"end_word":2085,"sentiment":"neutral","sentiment_score":-0.031485766365096486},{"text":"That that's totally fair enough.","start_word":2086,"end_word":2090,"sentiment":"positive","sentiment_score":0.3592865765094757},{"text":"Now next one is when it comes to, again, fluctuations. So ever if any of your investments have fluctuates, whether that is superannuation or your personal investments, when they do fluctuate in value, would you say that seeing that makes you feel, you know, optimistic about potential opportunities, a bit more kind of cautious, not making further investments, or you will be quite concerned or anxious. I'll be cautious, but I'll be still Portion. investing again. Depends on what's driving it Yep. down. Yep. Yep. And some of these questions is hard because it's all hypothetical. So sorry. It does make it a little bit tricky, which is fine. Now the last question here, Michael, is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? If I have good enough process, if I have good enough skills, yes, I will take out a loan to invest. Yep. Yep.","start_word":2091,"end_word":2249,"sentiment":"neutral","sentiment_score":-0.02043875679373741},{"text":"Perfect. If the circumstances and situation is right, potentially. Now that tells me here that you have come out as a high growth investor, which is the current portfolio we do have you invested in, so that's good.","start_word":2250,"end_word":2287,"sentiment":"positive","sentiment_score":0.41030153632164},{"text":"Do you remember what it means to be a high growth investor at all? High volatility. What's the fluctuations? Yeah. Definitely. So can very be. So you do have the the combination, obviously, where you are wanting to maximize growth in superannuation, you know, while you still have plenty of time until you do retire or when you Mhmm. can access your superannuation anyway. But, also, like you said, that you are, you know, comfortable and understand that there will be some short term level of fluctuation in order to achieve that growth. Now typically speaking as well in a high growth portfolio, we see about 90% invested in what we would call your growth investments, which is a a combination of Australian shares, international shares, and property, which is going to give you that growth. And then we do have about 10% in defensive, like your cash, your gold, your fixed interest, but that limit fluctuations a little bit. And, also, when it comes to time frame, so making sure you have enough time in the market for those fluctuation, typically, in a high growth portfolio, we do wanna allow at least eight years until retirement. So at the moment, obviously, you you have that time behind you as long as you are still comfortable with a high growth portfolio. Yeah. I'm still comfortable. Yep. You're still comfortable?","start_word":2288,"end_word":2516,"sentiment":"neutral","sentiment_score":0.1365518020099948},{"text":"Okay. Perfect. And that kind of shows you in that Vanguard chart as well in the email. It kind of breaks down the different asset classes, which is good.","start_word":2517,"end_word":2545,"sentiment":"positive","sentiment_score":0.511775016784668},{"text":"Mhmm. Now what I will also go through is just a bit of an updated fact find with you just to see if there's anything else or anything major that has changed in your life. If part of the reason, I do have a look at those investments, if there's any other tweaks and changes we have to do to your advice. So just kind of bear with me as I do go through this information. Now when it comes to your personal details, I have you down here as in, that you are in a de facto relationship dependent. Is that correct? Mhmm. Not not de Yep. facto anymore. Married. Yeah. Oh, lovely. I will update that.","start_word":2546,"end_word":2663,"sentiment":"neutral","sentiment_score":0.03773234412074089},{"text":"Congratulations.","start_word":2664,"end_word":2664,"sentiment":"positive","sentiment_score":0.3541801869869232},{"text":"When did you get married? Last year, June.","start_word":2665,"end_word":2672,"sentiment":"neutral","sentiment_score":0.079791359603405},{"text":"Lovely. I will definitely update that.","start_word":2673,"end_word":2678,"sentiment":"positive","sentiment_score":0.3975127637386322},{"text":"And next up, can I have Emmy nominated? That's still the case as well. You're happy with that? Yep. Yep. Beautiful. Now occupation wise, has any of that changed for you, or you're still a electrical engineer? Electrical engineer. Yep. Perfect. Still for the same Yep. 196,000. Do you know if that's still the case? Yes. Either case. Yep. Still the case. Yep.","start_word":2679,"end_word":2741,"sentiment":"neutral","sentiment_score":0.08658518724971348},{"text":"Beautiful.","start_word":2742,"end_word":2742,"sentiment":"positive","sentiment_score":0.6160576343536377},{"text":"And I have here that your employer pays you that standard 12% contribution. Now I know that when we spoke last year, we were looking at doing a little bit of salary sacrifice. Is that still something you are interested in or or not really right now? Because I can see it within your account that it's just from your employer at the moment. No. Not at the moment. Nope. That's all good. Mhmm.","start_word":2743,"end_word":2816,"sentiment":"neutral","sentiment_score":0.00971400924026966},{"text":"You still because you're in a high income earner, you still get a pretty good amount of contributions from your employer, which is great, which will obviously help boost that super for you.","start_word":2817,"end_word":2849,"sentiment":"positive","sentiment_score":0.4750230610370636},{"text":"Now I also just wanna confirm the assets I have listed here to see if anything has changed. So I have your property vied at about 600,000. Does that Yep. sound about right? Yep. Yep. And I have a mortgage of about $4.80. Yep. Yep. I also have a motor vehicle of about 25,000 with nothing owing. Is that correct as well? Sorry. I think I lost you there as well. Is do you still have that motor vehicle? Yeah. Yeah. Yeah. Correct. Still Yeah. correct. Yeah. Yep. Perfect. I also have an offset account of about $3.20, the 320,000 in the So offset offset is currently four account. 80. So Four the mortgage 80. is so mortgage mortgage Yep. is pretty much fully paid off. Yeah. Yeah.","start_word":2850,"end_word":2977,"sentiment":"neutral","sentiment_score":0.03383655846118927},{"text":"Oh, that's lovely. That's great.","start_word":2978,"end_word":2982,"sentiment":"positive","sentiment_score":0.477990984916687},{"text":"And then I added the personal investments. Any other assets we haven't gone through? No. That's about it. That's alright. Perfect. Now do you have any other liabilities, like personal loans or credit card or ZipPay? Nope. Nope. Lovely. And when it comes to health and lifestyle, I have you down here as a. Is that still the case? Yeah. Yep. Yep. Yep. Perfect. And any changes to your health? Any health issues or injuries or anything in the last twelve months? No. No. No. No. Everything's going good. No.","start_word":2983,"end_word":3072,"sentiment":"neutral","sentiment_score":0.03526658018430074},{"text":"Perfect.","start_word":3073,"end_word":3073,"sentiment":"positive","sentiment_score":0.383010059595108},{"text":"Okay.","start_word":3074,"end_word":3074,"sentiment":"neutral","sentiment_score":0.3298254907131195},{"text":"Cool.","start_word":3075,"end_word":3075,"sentiment":"positive","sentiment_score":0.41085708141326904},{"text":"Yep. And do you have private health insurance? Yeah. Yeah. Yep. Yep. I Yep. do.","start_word":3076,"end_word":3090,"sentiment":"neutral","sentiment_score":0.08702772855758667},{"text":"Perfect.","start_word":3091,"end_word":3091,"sentiment":"positive","sentiment_score":0.5122500658035278},{"text":"And that is hospital cover as well? Yep. Yep.","start_word":3092,"end_word":3100,"sentiment":"neutral","sentiment_score":0.14401200413703918},{"text":"Great.","start_word":3101,"end_word":3101,"sentiment":"positive","sentiment_score":0.5716345310211182},{"text":"Now when it comes to estate planning, do you know if you have a will or part of attorney or anything like that in place? Not at the moment. No. No. That's okay. And when it comes through your superannuation, I can see at the moment that we don't have a current nomination on file for you. Do you remember receiving those forms in the post by any chance? I don't recall anything. No. That's okay. What I can do is I can get them resent to you. Basically, what it is is for you to make a legal nomination of who you want to receive your superannuation if something ever were to happen to you. Mhmm. So it is important, obviously, to make sure everything does go through the person or people that you would like it to go through to make it a bit more streamlined. Now do you have access to a printer at all if we email it through you, or do you prefer post? I can access the printer. Yeah. This is Yeah. Yeah. I can Yep. print it out. Yep. Okay. So you're happy with it to be emailed to you? Yep. Yep. Yep.","start_word":3102,"end_word":3301,"sentiment":"neutral","sentiment_score":0.05109132453799248},{"text":"Perfect.","start_word":3302,"end_word":3302,"sentiment":"positive","sentiment_score":0.4721483290195465},{"text":"That way as well, it will go to your email. You'll have a copy there, which is good if it ever gets lost. You just need to print it off a wet sign it and then send it back just because you are making that legal nominations. I will get the team to send that out to you. Do you have any questions in regards to who to nominate or how it works or anything? No. No. No. No. Okay. Beautiful. Now, otherwise, are you politically exposed at all or a tax resident in any foreign jurisdiction? Nope. No. Lovely. And when it comes to our guest goals, so stuff that you are working towards or that you are wanting to achieve, during the annual review, it's also a good kind of touch point to see if anything has changed, if anything has been achieved, or how things are going.","start_word":3303,"end_word":3452,"sentiment":"neutral","sentiment_score":0.1766225645939509},{"text":"So last time we spoke, your main focus was to pay down the mortgage as much as possible, which you guys basically have because it's sitting in the offset for you, which is great.","start_word":3453,"end_word":3486,"sentiment":"positive","sentiment_score":0.41687247157096863},{"text":"Mhmm. And then maybe look at some other investments outside Super, which you obviously have a little bit. Is this still kind of something you guys are working towards, like an investment property or any other types of investments? We are just currently putting on ETFs and shares. Nothing else at the moment. Yep. No. Perfect. Then do you guys have any other financial or nonfinancial goals that you guys are working towards at all? I was trying to retire as early as we can. Yes. That's that's it. Nothing Yes. else. No. No.","start_word":3487,"end_word":3580,"sentiment":"neutral","sentiment_score":0.06053617969155312},{"text":"That is good. And you guys are you are in a good position with, obviously, plenty of time under retirement, obviously, everything in the offset account, which is beautiful. You do have personal investments to diversify, and you are on that high income as well. So a lot of opportunities for that, which is wonderful.","start_word":3581,"end_word":3635,"sentiment":"positive","sentiment_score":0.6071224808692932},{"text":"Now the last couple of documents in the email when it does load for you, Michael, there is two documents that will require your signature if you're happy to do so. One is your ongoing service agreement, and that is just to say that you are happy to stay on as a client. Now this one here as well, there is no changes whatsoever in regards to the fee structure for you. Because, obviously, your wife is a client as well, you are on that reduced couple fee at 1.1 from superannuation.","start_word":3636,"end_word":3727,"sentiment":"neutral","sentiment_score":0.2395467311143875},{"text":"So that stays exactly the same for you.","start_word":3728,"end_word":3735,"sentiment":"positive","sentiment_score":0.4033958613872528},{"text":"And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.","start_word":3736,"end_word":3762,"sentiment":"neutral","sentiment_score":0.016122788190841675},{"text":"But, otherwise, by signing this one, it just allows us to manage all your investments and everything for you in the meantime.","start_word":3763,"end_word":3784,"sentiment":"positive","sentiment_score":0.3663181960582733},{"text":"Does that all make sense? Mhmm. Yep. Yep.","start_word":3785,"end_word":3792,"sentiment":"neutral","sentiment_score":0.1928451806306839},{"text":"Yep. Perfect.","start_word":3793,"end_word":3794,"sentiment":"positive","sentiment_score":0.4881342947483063},{"text":"Now the other document, it is just a tax file number form. It is a compliance form basically saying that we are keeping your tax file number secure and safe on file. So those two documents, it will ask for your signature if you're happy to do so, obviously, when you can access your email. And you also have a copy of the new services guides included in the email. You would have seen this a couple of times before, but it's essentially just gives you all the important information in regards to us here I spoke to you. So that was essentially all the documents and stuff that I needed to run through with you. Do you have any questions or anything else you would like to address before I let you get back to your holiday?","start_word":3795,"end_word":3932,"sentiment":"neutral","sentiment_score":0.254946768283844},{"text":"That sounds pretty straightforward.","start_word":3933,"end_word":3936,"sentiment":"positive","sentiment_score":0.4777940809726715},{"text":"Matt?","start_word":3937,"end_word":3937,"sentiment":"neutral","sentiment_score":0.20010906457901},{"text":"Yep. Beautiful.","start_word":3938,"end_word":3939,"sentiment":"positive","sentiment_score":0.47591185569763184},{"text":"So what I will do while I have you on the phone is just to book in a time for us to go through the research, on your investments. So Mhmm. when is a best time for yourself to do that? How fast you can do your research? It will take me about a week to put together. So I would say the earliest is probably the, say, next week. Next next Thursday or Friday? Anytime be okay. Next. Yeah. Okay. Anytime. Okay.","start_word":3940,"end_word":4022,"sentiment":"neutral","sentiment_score":0.13762247562408447},{"text":"Beautiful.","start_word":4023,"end_word":4023,"sentiment":"positive","sentiment_score":0.4274302124977112},{"text":"Let me have a look here. Now I could do so you'll be back in WA then, right, Yep. just for Yep. time differences? Perfect. Yep. Now what I could do is I could do three o'clock, which will be 01:00 your time. Would that work? Yep. Yep. Yep. Okay.","start_word":4024,"end_word":4073,"sentiment":"neutral","sentiment_score":0.09425563365221024},{"text":"Beautiful.","start_word":4074,"end_word":4074,"sentiment":"positive","sentiment_score":0.5034654140472412},{"text":"So I will book that in on Thursday, August 27 at 1PM your time. If anything does change and you can't make it, just let me know, and we can always get that rescheduled for you. But, otherwise, I'll go through if I do make any recommendation on changing any investments, I'll kind of go go through and talk you through all of that. And then the choice is completely up to you after that whether you do wanted to go ahead with the the change or not.","start_word":4075,"end_word":4162,"sentiment":"neutral","sentiment_score":0.14410141584548083},{"text":"Okay. Sounds good. Yep. Beautiful.","start_word":4163,"end_word":4167,"sentiment":"positive","sentiment_score":0.5978472828865051},{"text":"Do you have any other questions for me before I let you go otherwise? No. That's it.","start_word":4168,"end_word":4184,"sentiment":"neutral","sentiment_score":0.1502474844455719},{"text":"All good.","start_word":4185,"end_word":4186,"sentiment":"positive","sentiment_score":0.3678430914878845},{"text":"No.","start_word":4187,"end_word":4187,"sentiment":"neutral","sentiment_score":0.18303078413009644},{"text":"Beautiful. Thank you so much for today, Michael. And, hopefully, you guys get a nice, sunny weather for the rest of the holiday that you guys are up. No problem. Thanks for holding it.","start_word":4188,"end_word":4221,"sentiment":"positive","sentiment_score":0.6897711753845215},{"text":"No problem. We'll speak on Thursday, the twenty seventh.","start_word":4222,"end_word":4230,"sentiment":"neutral","sentiment_score":0.2563381791114807},{"text":"Sounds good. See you. See you then.","start_word":4231,"end_word":4237,"sentiment":"positive","sentiment_score":0.5047745108604431},{"text":"Bye.","start_word":4238,"end_word":4238,"sentiment":"neutral","sentiment_score":0.2147187441587448}],"average":{"sentiment":"neutral","sentiment_score":0.1178122477482497}}}}