{"metadata":{"transaction_key":"deprecated","request_id":"01a0cc4e-e7c3-7c33-aa9f-a6248c3867d8","sha256":"5837a65c9627196692290640fd5f6f7f0b1472ba2f66701995f77f2e2c11ad02","created":"2026-09-23T03:28:41.490Z","duration":1719.9359,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5398,"output_tokens":85},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6018,"output_tokens":6030},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6018,"output_tokens":793}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Venkata. It's Jenna Phoning from Oakview Financial. How are you today? I'm well. That's good. Just before I go any further, I just need to let you know that our calls are corded... Recorded for quality and coaching purposes. Is that okay? Yes. Fantastic. And can I please ask you to confirm your full name, date of birth, and address? Thank you. Thank you so much for confirming that. I appreciate it. So do you have some time today to run through your annual review? Fantastic. That's great. Before I start or go through the process, what I'd like to do, first of all, is ask if there's been any significant changes to your personal or financial situation that we need to be aware of? No. Okay. Alright. So the purpose of this review is for myself just to go through the information in relation to what we have on file to make sure that it is current and up to date. Additionally, I will then send you an email to your email address that will provide you with a review pack, which will run through and identify if we need to make any changes or further advice. Is that okay? Lovely. Alright. I have your name down here as Nada. Is that correct? Yes. Your wife. Sorry. Yes. Okay. And same surname? Oh, okay. So sorry. What what was that again? Y e l e? Okay. And what is her contact number? Because we'll... We have her noted as your next of kin. Yes. Yes. Yep. 29. Thank you very much. And we have you noted as having one dependent. Is that correct? Yes. Yeah. Oh, lovely. What's her name? R e y a. And she's six, you said? Yes. Oh, lovely. Such a good age, that is. Okay. So I've got your occupation down here as a business owner of a petrol station. Is that still correct? Lovely. And your employer name is SHLPA Petroleum Proprietary Limited and full time? Okay. And we've got your income as 60 thousand. Is that correct? Yeah. And that's what you pay yourself through the business? And you do... And you you pay superannuation as well to yourself? Okay. Okay. So you've just started doing the 12%. Is that right? Okay. And I have your expenditure here as $1,500 per week. Would that still be correct? Yeah. Does that include the mortgage repayment? No. What would be the mortgage repayment? Of course. No. You're fine. No. You're absolutely fine. Thank you. Do you know how much your mortgage repayment would be? 3,200 a month? Yeah. And do you have any... Do you do any regular savings per week or per month? Yeah. How how much would you say? Yep. That's great. And we have your home here valued at 850,000 with a debt of 520,000. Is that accurate? K. Any other assets or liabilities that you can think of? No. Okay. No worries at all. And do you have a will or power of attorney? No. And are you a tax resident in any other country? No. Okay. Beautiful. With... I just wanna spend a little bit of time going through your goals, if that's okay, for the ones that we had on file for you. Is... One one of the first ones was that you wanted to work towards buying an investment property and to start contributing to super to help it grow. So I note that you said you've started contributing super. Are you still looking at purchasing an investment property? Yeah. Okay. That's completely understandable. With regards to your retirement, you've said that you'd like to retire comfortably and travel around the world. Just to dig a little bit deeper on that, what age are you wanting to retire? 60 62. Yeah? And what... And how much would you need per week in retirement if you were debt free? I'm... Do you wanna be debt free in retirement? I guess that's probably one of the questions. Yep. Is that just for yourself or for your wife as well? Okay. And does your wife have superannuation that she will axe... Will be able to... Will be... Use... Will... You'll be able to use to fund your retirement? Yep. Wonderful. We... Like I said. She has one 20? Sorry. I'm just having a little bit of trouble hearing you there. Did did you say you'd need 600 per week for your self only? Okay. That's okay. And with your superannuation, are you happy with the way it's traveling at the moment? Do you have any other goals or objectives in relation to that? Hello? Yes? Sorry. I'm sorry. I wasn't sure if you're speaking with me. With your superannuation, do you have any other goals or objectives that you wanna achieve to... With your... With that? No. That's okay. And you had your insurance goal as having adequate cover to protect your family. So that's still... Is that still applicable? Yep. Okay. Alright. So what I'm gonna do, if that's the case, I'm just gonna send you through a quick email, which you'll receive. If you have... Do you have access to your emails at the moment? Yep. Okay. Wonderful. So you will get that from me, and it will come through... It won't be a moment. I'm just getting it up so I can send that. It's gonna have a... Our review pack in it for you. So it'll come from Odoo sign, and you'll need to click on the link that says sign documents. You're not signing anything at the moment. We're just gonna run through the the review pack to see where everything's sitting. So you just let me know when you have that open. Yeah. You're fine. Wonderful. Thank you. Have you opened up the documents and got them in front of you? Oh, you don't you don't need to sign anything just yet. We'll just... I'm just gonna... There's about six documents that we're just gonna talk through. The first one is just a summary of your superannuation insurance. So your superannuation is presently with Hub twenty four and valued at approximately $96,732. And you have your life, TPD, and income protection with a company called Encompass. And your life and TPD sum insured is 616,198 thousand each. And your income protection is $3,499 per month with a ninety day waiting period and a two year benefit period. So when when I look at your your goal of ensuring that your family has adequate cover and you have adequate cover in place to protect your family, do you believe those figures are enough? Yeah. Did you wanna look at reviewing them, or are you comfortable with those at this time? Yes. Okay. The other element of an insurance portfolio is trauma insurance, which covers you for a lump sum payment should you be diagnosed with a specific insurable illness. And that that insurance payable is tax free to you. It's a lump sum, and it's funded through your personal cash flow. And that the illnesses vary from cancer, heart attack, stroke, and some neurological diseases. Is that something that you wanted to look at, or you... Are you no. That's absolutely okay. That's... I just I just need to check to make sure that you're aware of what's available. The next document across is your hub twenty four performance portfolio. This is based on the last twelve months. So you'll see on the front page of that that there is a fund at the top called the Benelong Australian Equities Fund. Now that is... You'll see has been an underperforming asset in the last twelve months, and that's due to Bennelong's investment mandate. So their their mandate follows that they identify undervalued companies within the Australian share market for growth opportunities. What that has meant for them is that in the last twelve months, it's been really the banks and the resource sector that have performed, so their mandate has not played out for them. What we've done is we don't... We're not reactive. We don't we don't reactively replace something without a systemic ongoing reason. So what we're doing at the moment now is due to the entire investment committee's in... Has reviewed it, and we are looking at replacing it with alternative for our clients should that be... Should there be an alternative that's appropriate. Are you... Is that something that you're happy for me to look at? Yes. Beautiful. And the other one that I wanted to look at in your portfolio is the third one down, the beta bank hybrid ETF. No no issues with that in relation to performance in Carmel growth. The reason that I would like to look at investigating that a bit further is that from January 2027, the bank... Banking system in Australia is going to phase out bank hybrids. So rather than sit and wait and see what they're gonna be replaced with, I'd like to take more of a proactive approach to see if there's an alternative available because I I just don't know what it's gonna look like once they are phased out. So for me, taking a proactive approach in relation to that would be my preference if that's suitable for you. Yep. With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share market. You also have some battery and tech exposure, lithium, which has performed really well in the last little while due to a lot of the instability in relation to the global crisis with fuel. And you also have some gold exposure, which is a defensive part of your portfolio, so it reduces some of the the risk there. So in the last twelve months, the portfolio has only returned 3.37%, and that is due to the impact of that Bannalong fund because a significant amount of your funds are held there. So I am going to look to replace that if it's appropriate. Any questions about that? No. Yeah. No. It hasn't been it hasn't been at all. There's been some volatility in the market as well within the last couple of weeks as well, so we expect this. But over time, the portfolios and markets do recover, which probably is a good segue into the next document, which is the Vanguard index growth fund or chart, I should say. So you... You're currently invested as a balanced growth investor. Now what that invested in those top four funds down the right hand sector... Sorry, down the right hand column being US shares, Australian shares, international shares, and listed properties with the remaining 30% approximately invested in Australian bonds, international bonds, and cash. So you'll see over the long term that 70% approximately that we've got got invested in your gross assets will experience volatility. But over the long term, they produce... They're they're part of your portfolio that produces the growth, whereas the bottom two are your defensive allocations, which generally tend to produce more income as opposed to growth over the long term. Yeah. So in a balanced growth portfolio, you can expect an average annual return between six to 8%. And every one in six years, we would expect a negative return. Yeah. So you can see from you can see from the chart how the market operates. You can also see how it reacts to certain events that occur globally. So across the top, you've got some some black writing, which which explain... Which outlines certain points in the last thirty odd years or so with where events have happened and how the market has reacted with that and then how it has responded post recovery. Yeah. So with a balanced growth portfolio, we... Our our recommendation is that you'd be invested for a minimum of five years to be able to withstand that volatility and those... The the fluctuations of the market. Does that make sense? Yeah. Yep. So if we're looking at it from your superannuation perspective, which we are, we are looking... So you are... You're born the same year as me. You're 41 at the... Or turning 41. Yeah. So, realistically, you have twenty years until you can access your superannuation funds for retirement. So you have time on your side to withstand market volatility. There's... Does that make sense? Yeah. So if you wanted to increase your level of growth, so increase your level of exposure to growth assets being that top four, you do have time on your side to do that. Obviously, you'll experience more fluctuations in the market, but you need to be comfortable with with that. Yeah. Yeah. So that's something that we can talk about if you if you wish to. Or if you wanna hold and wait for another twelve months, we can do that and always revisit the conversation in twelve months' time at your next review. Yep. Okay. That's absolutely fine. The next document is your certificate of currency for your insurance. So this this document is just a information piece for yourself to show you that your insurances are enforced. They're paid through your super fund and that that will continue as long as we... The superannuation fund pays for them. The next document is our financial services guide. This is a legal document that we need to provide our clients with. They... It explains to you who we are, who we're licensed through, what type of advice we can provide and how we provide this as well as an overview of our fees and the complaints process should you ever need to go down that path. Yeah. The next document is the ongoing... Your consent to the ongoing adviser fee. What this is is it is a document that does require your signature if you're happy to remain a client of Oakview Financial and receive advice. It's a fixed fee at $1,675.88 per annum, which is then divided monthly and paid monthly over a twelve month period, which equates to a $139.66 per month. And that's deducted from your superannuation funds monthly. Yep. Well... Yes. Oh, okay. So... No. That... That's absolutely fine and a valid question. So what we've done recently is we've actually changed our fee structure. So what that means is you used to be on a percent based fee. So what that would mean is if the market was performing badly or the portfolio was down, you would pay a lesser fee. And if the portfolio was performing well and the markets were up, you would pay more. So what we've done is we've changed it to a fixed flex fee for twelve months. So regardless of whether your portfolio performs well or not, we're not getting... We're not benefiting from the fact that your portfolio is performing well. That fee is simply designed to cover the expenses of conducting your annual reviews and and implementing and providing any further advice needed following this call, which is those investment changes that we've talked about. So we have we have changed the fee to be more transparent for clients and also that, you know, we don't... The fee isn't going to increase if you have a good month and the market does well within your superannuation fund. It's just a flat fee for twelve months. Yeah. So if you if you do... And and in paying that fee well, you're not limited to only having your annual review. If any issues come up or you need to seek further advice, you are you are free to contact us at any time. You do not need to wait for your annual review. You just contact us, and and we go from there. Okay? And then the final document there that also requires your signature is your confirmation that we... That you're comfortable with us holding your tax file number. So we hold your tax file number on file as when we set up your superannuation fund, it was disclosed to them to ensure that you didn't get taxed higher in your superannuation fund. So that's just you signing that off to say that you understand that we do hold it on file for you. So if you... Yeah. So those last two documents do require signing if you're comfortable to do so and stay on board as a client, which we hope you do. But what what I would like to do is review the portfolio for those two investments we spoke about, and we will send through a document in the next week or so that will go over that for us to allow... For you to review and allow us to make those changes on your behalf. Yeah? Is that okay? Fantastic. Thank you. Do you have any questions for me while I've got you on the phone? No? You're happy... And you're happy to stay within your reviews, or would you like them more Yeah. Yeah. Yep. And fantastic. And just before I let you go, then Carter, I just wanted to flag with you that I have noticed on your superannuation and in your insurance policies that you do not have any beneficiary nominations, funds will be paid to. Okay. So what that means is that upon something happening to you, you're you're passing, it's who the funds will be paid to. Did you want to nominate your wife or your your daughter or... Yeah. So you want your wife... I need you to tell me who you want who want to nominate. Okay. Yep. So what we'll do is... Do you have access to a printer, or would you like me to post these out? Yes. Because I can print... I can email them to you. You can print them and sign them. You will need two witnesses to sign them, and it cannot be your wife because she's a beneficiary. So it'd be happy to be two other individuals. And then you can email them back to us, and we'll make sure that they're put in place. Fantastic. Alright. Well, we... I'll get those prefilled. Do you have your... Do you know your wife's date of birth? If you can give that to me, I'll get the forms prefilled for you so then you can... You don't have to fill them out. So the 05/12/1987. And then just one last question with that. There's two types of nominations. You can have one that lapses and that you've gotta sign and renew every three years, or you can have one that does not lapse and is only updated when you complete a new form. Which one would you prefer? It... You... So just review every three years? Okay. Fantastic. Well, I'll get those forms sent out to you. And, in the... And if you... Anything ever comes up and you need to discuss it further, please reach out. But, otherwise, I look forward to speaking to you again at our next review. Thank you so much for your time. Enjoy your afternoon. 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Venkata. It's Jenna Phoning from Oakview Financial. How are you today? I'm well. That's good.\n\nJust before I go any further, I just need to let you know that our calls are corded... Recorded for quality and coaching purposes. Is that okay? Yes. Fantastic.\n\nAnd can I please ask you to confirm your full name, date of birth, and address? Thank you. Thank you so much for confirming that. I appreciate it. So do you have some time today to run through your annual review?\n\nFantastic. That's great. Before I start or go through the process, what I'd like to do, first of all, is ask if there's been any significant changes to your personal or financial situation that we need to be aware of? No. Okay.\n\nAlright. So the purpose of this review is for myself just to go through the information in relation to what we have on file to make sure that it is current and up to date. Additionally, I will then send you an email to your email address that will provide you with a review pack, which will run through and identify if we need to make any changes or further advice. Is that okay? Lovely.\n\nAlright. I have your name down here as Nada. Is that correct? Yes. Your wife.\n\nSorry. Yes. Okay. And same surname? Oh, okay.\n\nSo sorry. What what was that again? Y e l e? Okay. And what is her contact number?\n\nBecause we'll... We have her noted as your next of kin. Yes. Yes. Yep.\n\n29. Thank you very much. And we have you noted as having one dependent. Is that correct? Yes.\n\nYeah. Oh, lovely. What's her name? R e y a. And she's six, you said?\n\nYes. Oh, lovely. Such a good age, that is. Okay. So I've got your occupation down here as a business owner of a petrol station.\n\nIs that still correct? Lovely. And your employer name is SHLPA Petroleum Proprietary Limited and full time? Okay. And we've got your income as 60 thousand.\n\nIs that correct? Yeah. And that's what you pay yourself through the business? And you do... And you you pay superannuation as well to yourself?\n\nOkay. Okay. So you've just started doing the 12%. Is that right? Okay.\n\nAnd I have your expenditure here as $1,500 per week. Would that still be correct? Yeah. Does that include the mortgage repayment? No.\n\nWhat would be the mortgage repayment? Of course. No. You're fine. No.\n\nYou're absolutely fine. Thank you. Do you know how much your mortgage repayment would be? 3,200 a month? Yeah.\n\nAnd do you have any... Do you do any regular savings per week or per month? Yeah. How how much would you say? Yep.\n\nThat's great. And we have your home here valued at 850,000 with a debt of 520,000. Is that accurate? K. Any other assets or liabilities that you can think of?\n\nNo. Okay. No worries at all. And do you have a will or power of attorney? No.\n\nAnd are you a tax resident in any other country? No. Okay. Beautiful. With...\n\nI just wanna spend a little bit of time going through your goals, if that's okay, for the ones that we had on file for you. Is... One one of the first ones was that you wanted to work towards buying an investment property and to start contributing to super to help it grow. So I note that you said you've started contributing super. Are you still looking at purchasing an investment property?\n\nYeah. Okay. That's completely understandable. With regards to your retirement, you've said that you'd like to retire comfortably and travel around the world. Just to dig a little bit deeper on that, what age are you wanting to retire?\n\n60 62. Yeah? And what... And how much would you need per week in retirement if you were debt free? I'm...\n\nDo you wanna be debt free in retirement? I guess that's probably one of the questions. Yep. Is that just for yourself or for your wife as well? Okay.\n\nAnd does your wife have superannuation that she will axe... Will be able to... Will be... Use... Will...\n\nYou'll be able to use to fund your retirement? Yep. Wonderful. We... Like I said.\n\nShe has one 20? Sorry. I'm just having a little bit of trouble hearing you there. Did did you say you'd need 600 per week for your self only? Okay.\n\nThat's okay. And with your superannuation, are you happy with the way it's traveling at the moment? Do you have any other goals or objectives in relation to that? Hello? Yes?\n\nSorry. I'm sorry. I wasn't sure if you're speaking with me. With your superannuation, do you have any other goals or objectives that you wanna achieve to... With your...\n\nWith that? No. That's okay. And you had your insurance goal as having adequate cover to protect your family. So that's still...\n\nIs that still applicable? Yep. Okay. Alright. So what I'm gonna do, if that's the case, I'm just gonna send you through a quick email, which you'll receive.\n\nIf you have... Do you have access to your emails at the moment? Yep. Okay. Wonderful.\n\nSo you will get that from me, and it will come through... It won't be a moment. I'm just getting it up so I can send that. It's gonna have a... Our review pack in it for you.\n\nSo it'll come from Odoo sign, and you'll need to click on the link that says sign documents. You're not signing anything at the moment. We're just gonna run through the the review pack to see where everything's sitting. So you just let me know when you have that open. Yeah.\n\nYou're fine. Wonderful. Thank you. Have you opened up the documents and got them in front of you? Oh, you don't you don't need to sign anything just yet.\n\nWe'll just... I'm just gonna... There's about six documents that we're just gonna talk through. The first one is just a summary of your superannuation insurance. So your superannuation is presently with Hub twenty four and valued at approximately $96,732.\n\nAnd you have your life, TPD, and income protection with a company called Encompass. And your life and TPD sum insured is 616,198 thousand each. And your income protection is $3,499 per month with a ninety day waiting period and a two year benefit period. So when when I look at your your goal of ensuring that your family has adequate cover and you have adequate cover in place to protect your family, do you believe those figures are enough? Yeah.\n\nDid you wanna look at reviewing them, or are you comfortable with those at this time? Yes. Okay. The other element of an insurance portfolio is trauma insurance, which covers you for a lump sum payment should you be diagnosed with a specific insurable illness. And that that insurance payable is tax free to you.\n\nIt's a lump sum, and it's funded through your personal cash flow. And that the illnesses vary from cancer, heart attack, stroke, and some neurological diseases. Is that something that you wanted to look at, or you... Are you no. That's absolutely okay.\n\nThat's... I just I just need to check to make sure that you're aware of what's available. The next document across is your hub twenty four performance portfolio. This is based on the last twelve months. So you'll see on the front page of that that there is a fund at the top called the Benelong Australian Equities Fund.\n\nNow that is... You'll see has been an underperforming asset in the last twelve months, and that's due to Bennelong's investment mandate. So their their mandate follows that they identify undervalued companies within the Australian share market for growth opportunities. What that has meant for them is that in the last twelve months, it's been really the banks and the resource sector that have performed, so their mandate has not played out for them. What we've done is we don't...\n\nWe're not reactive. We don't we don't reactively replace something without a systemic ongoing reason. So what we're doing at the moment now is due to the entire investment committee's in... Has reviewed it, and we are looking at replacing it with alternative for our clients should that be... Should there be an alternative that's appropriate.\n\nAre you... Is that something that you're happy for me to look at? Yes. Beautiful. And the other one that I wanted to look at in your portfolio is the third one down, the beta bank hybrid ETF.\n\nNo no issues with that in relation to performance in Carmel growth. The reason that I would like to look at investigating that a bit further is that from January 2027, the bank... Banking system in Australia is going to phase out bank hybrids. So rather than sit and wait and see what they're gonna be replaced with, I'd like to take more of a proactive approach to see if there's an alternative available because I I just don't know what it's gonna look like once they are phased out. So for me, taking a proactive approach in relation to that would be my preference if that's suitable for you.\n\nYep. With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share market. You also have some battery and tech exposure, lithium, which has performed really well in the last little while due to a lot of the instability in relation to the global crisis with fuel. And you also have some gold exposure, which is a defensive part of your portfolio, so it reduces some of the the risk there. So in the last twelve months, the portfolio has only returned 3.37%, and that is due to the impact of that Bannalong fund because a significant amount of your funds are held there.\n\nSo I am going to look to replace that if it's appropriate. Any questions about that? No. Yeah. No.\n\nIt hasn't been it hasn't been at all. There's been some volatility in the market as well within the last couple of weeks as well, so we expect this. But over time, the portfolios and markets do recover, which probably is a good segue into the next document, which is the Vanguard index growth fund or chart, I should say. So you... You're currently invested as a balanced growth investor.\n\nNow what that invested in those top four funds down the right hand sector... Sorry, down the right hand column being US shares, Australian shares, international shares, and listed properties with the remaining 30% approximately invested in Australian bonds, international bonds, and cash. So you'll see over the long term that 70% approximately that we've got got invested in your gross assets will experience volatility. But over the long term, they produce... They're they're part of your portfolio that produces the growth, whereas the bottom two are your defensive allocations, which generally tend to produce more income as opposed to growth over the long term.\n\nYeah. So in a balanced growth portfolio, you can expect an average annual return between six to 8%. And every one in six years, we would expect a negative return. Yeah. So you can see from you can see from the chart how the market operates.\n\nYou can also see how it reacts to certain events that occur globally. So across the top, you've got some some black writing, which which explain... Which outlines certain points in the last thirty odd years or so with where events have happened and how the market has reacted with that and then how it has responded post recovery. Yeah. So with a balanced growth portfolio, we...\n\nOur our recommendation is that you'd be invested for a minimum of five years to be able to withstand that volatility and those... The the fluctuations of the market. Does that make sense? Yeah. Yep.\n\nSo if we're looking at it from your superannuation perspective, which we are, we are looking... So you are... You're born the same year as me. You're 41 at the... Or turning 41.\n\nYeah. So, realistically, you have twenty years until you can access your superannuation funds for retirement. So you have time on your side to withstand market volatility. There's... Does that make sense?\n\nYeah. So if you wanted to increase your level of growth, so increase your level of exposure to growth assets being that top four, you do have time on your side to do that. Obviously, you'll experience more fluctuations in the market, but you need to be comfortable with with that. Yeah. Yeah.\n\nSo that's something that we can talk about if you if you wish to. Or if you wanna hold and wait for another twelve months, we can do that and always revisit the conversation in twelve months' time at your next review. Yep. Okay. That's absolutely fine.\n\nThe next document is your certificate of currency for your insurance. So this this document is just a information piece for yourself to show you that your insurances are enforced. They're paid through your super fund and that that will continue as long as we... The superannuation fund pays for them. The next document is our financial services guide.\n\nThis is a legal document that we need to provide our clients with. They... It explains to you who we are, who we're licensed through, what type of advice we can provide and how we provide this as well as an overview of our fees and the complaints process should you ever need to go down that path. Yeah. The next document is the ongoing...\n\nYour consent to the ongoing adviser fee. What this is is it is a document that does require your signature if you're happy to remain a client of Oakview Financial and receive advice. It's a fixed fee at $1,675.88 per annum, which is then divided monthly and paid monthly over a twelve month period, which equates to a $139.66 per month. And that's deducted from your superannuation funds monthly. Yep.\n\nWell... Yes. Oh, okay. So... No.\n\nThat... That's absolutely fine and a valid question. So what we've done recently is we've actually changed our fee structure. So what that means is you used to be on a percent based fee. So what that would mean is if the market was performing badly or the portfolio was down, you would pay a lesser fee.\n\nAnd if the portfolio was performing well and the markets were up, you would pay more. So what we've done is we've changed it to a fixed flex fee for twelve months. So regardless of whether your portfolio performs well or not, we're not getting... We're not benefiting from the fact that your portfolio is performing well. That fee is simply designed to cover the expenses of conducting your annual reviews and and implementing and providing any further advice needed following this call, which is those investment changes that we've talked about.\n\nSo we have we have changed the fee to be more transparent for clients and also that, you know, we don't... The fee isn't going to increase if you have a good month and the market does well within your superannuation fund. It's just a flat fee for twelve months. Yeah. So if you if you do...\n\nAnd and in paying that fee well, you're not limited to only having your annual review. If any issues come up or you need to seek further advice, you are you are free to contact us at any time. You do not need to wait for your annual review. You just contact us, and and we go from there. Okay?\n\nAnd then the final document there that also requires your signature is your confirmation that we... That you're comfortable with us holding your tax file number. So we hold your tax file number on file as when we set up your superannuation fund, it was disclosed to them to ensure that you didn't get taxed higher in your superannuation fund. So that's just you signing that off to say that you understand that we do hold it on file for you. So if you...\n\nYeah. So those last two documents do require signing if you're comfortable to do so and stay on board as a client, which we hope you do. But what what I would like to do is review the portfolio for those two investments we spoke about, and we will send through a document in the next week or so that will go over that for us to allow... For you to review and allow us to make those changes on your behalf. Yeah?\n\nIs that okay? Fantastic. Thank you. Do you have any questions for me while I've got you on the phone? No?\n\nYou're happy... And you're happy to stay within your reviews, or would you like them more Yeah. Yeah. Yep. And fantastic.\n\nAnd just before I let you go, then Carter, I just wanted to flag with you that I have noticed on your superannuation and in your insurance policies that you do not have any beneficiary nominations, funds will be paid to. Okay. So what that means is that upon something happening to you, you're you're passing, it's who the funds will be paid to. Did you want to nominate your wife or your your daughter or... Yeah.\n\nSo you want your wife... I need you to tell me who you want who want to nominate. Okay. Yep. So what we'll do is...\n\nDo you have access to a printer, or would you like me to post these out? Yes. Because I can print... I can email them to you. You can print them and sign them.\n\nYou will need two witnesses to sign them, and it cannot be your wife because she's a beneficiary. So it'd be happy to be two other individuals. And then you can email them back to us, and we'll make sure that they're put in place. Fantastic. Alright.\n\nWell, we... I'll get those prefilled. Do you have your... Do you know your wife's date of birth? If you can give that to me, I'll get the forms prefilled for you so then you can...\n\nYou don't have to fill them out. So the 05/12/1987. And then just one last question with that. There's two types of nominations. You can have one that lapses and that you've gotta sign and renew every three years, or you can have one that does not lapse and is only updated when you complete a new form.\n\nWhich one would you prefer? It... You... So just review every three years? Okay.\n\nFantastic. Well, I'll get those forms sent out to you. And, in the... And if you... Anything ever comes up and you need to discuss it further, please reach out.\n\nBut, otherwise, I look forward to speaking to you again at our next review. Thank you so much for your time. Enjoy your afternoon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Venkata.","start":4.72,"end":5.7,"sentiment":"neutral","sentiment_score":0.10386931523680687},{"text":"It's Jenna Phoning from Oakview Financial.","start":5.8399997,"end":7.94,"sentiment":"neutral","sentiment_score":0.11704934140046437},{"text":"How are you today?","start":8.08,"end":9.139999,"sentiment":"neutral","sentiment_score":0.3241848573088646},{"text":"I'm well.","start":9.679999,"end":10.5,"sentiment":"positive","sentiment_score":0.536906361579895},{"text":"That's good.","start":11.28,"end":12.075,"sentiment":"positive","sentiment_score":0.4281757175922394}],"sentiment":"neutral","sentiment_score":0.25855864165350795,"num_words":16,"start":4.72,"end":12.075},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are corded...","start":12.155,"end":15.695,"sentiment":"neutral","sentiment_score":0.02608739512248172},{"text":"Recorded for quality and coaching purposes.","start":15.754999,"end":17.835,"sentiment":"neutral","sentiment_score":0.01900186265508334},{"text":"Is that okay?","start":17.835,"end":18.735,"sentiment":"neutral","sentiment_score":0.03147889922062556},{"text":"Yes.","start":19.475,"end":19.975,"sentiment":"neutral","sentiment_score":0.16255410015583038},{"text":"Fantastic.","start":20.715,"end":21.215,"sentiment":"positive","sentiment_score":0.3679773211479187}],"sentiment":"neutral","sentiment_score":0.04167422093451023,"num_words":29,"start":12.155,"end":21.215},{"sentences":[{"text":"And can I please ask you to confirm your full name, date of birth, and address?","start":21.515,"end":25.695,"sentiment":"neutral","sentiment_score":0.08483241638168693},{"text":"Thank you.","start":39.18,"end":40.46,"sentiment":"neutral","sentiment_score":0.0706961341202259},{"text":"Thank you so much for confirming that.","start":40.46,"end":42.375,"sentiment":"neutral","sentiment_score":0.3154999315738678},{"text":"I appreciate it.","start":42.375,"end":43.595,"sentiment":"neutral","sentiment_score":-0.020918995141983032},{"text":"So do you have some time today to run through your annual review?","start":44.295002,"end":47.515,"sentiment":"neutral","sentiment_score":0.02754105140383427}],"sentiment":"neutral","sentiment_score":0.0976216374192296,"num_words":41,"start":21.515,"end":47.515},{"sentences":[{"text":"Fantastic.","start":47.815002,"end":48.315002,"sentiment":"neutral","sentiment_score":0.2845271825790405},{"text":"That's great.","start":49.255,"end":49.995003,"sentiment":"neutral","sentiment_score":0.21636874228715897},{"text":"Before I start or go through the process, what I'd like to do, first of all, is ask if there's been any significant changes to your personal or financial situation that we need to be aware of?","start":51.495003,"end":62.86,"sentiment":"neutral","sentiment_score":-0.007773194613086211},{"text":"No.","start":64.04,"end":64.54,"sentiment":"neutral","sentiment_score":-0.03882604092359543},{"text":"Okay.","start":64.92,"end":65.42,"sentiment":"neutral","sentiment_score":-0.015992436558008194}],"sentiment":"neutral","sentiment_score":0.008924714023513454,"num_words":42,"start":47.815002,"end":65.42},{"sentences":[{"text":"Alright.","start":65.64,"end":66.12,"sentiment":"neutral","sentiment_score":0.003924659453332424},{"text":"So the purpose of this review is for myself just to go through the information in relation to what we have on file to make sure that it is current and up to date.","start":66.12,"end":75.925,"sentiment":"neutral","sentiment_score":0.011941543944618282},{"text":"Additionally, I will then send you an email to your email address that will provide you with a review pack, which will run through and identify if we need to make any changes or further advice.","start":76.545,"end":90.45,"sentiment":"neutral","sentiment_score":0.02650868455465469},{"text":"Is that okay?","start":90.45,"end":91.27,"sentiment":"neutral","sentiment_score":0.028797596072157223},{"text":"Lovely.","start":93.25,"end":93.75,"sentiment":"neutral","sentiment_score":0.2141651064157486}],"sentiment":"neutral","sentiment_score":0.02219743589560191,"num_words":75,"start":65.64,"end":93.75},{"sentences":[{"text":"Alright.","start":94.21,"end":94.71,"sentiment":"neutral","sentiment_score":0.0852464884519577},{"text":"I have your name down here as Nada.","start":95.17,"end":98.885,"sentiment":"neutral","sentiment_score":0.05046107154339552},{"text":"Is that correct?","start":99.025,"end":100.005,"sentiment":"neutral","sentiment_score":0.04273913490275542},{"text":"Yes.","start":103.665,"end":103.985,"sentiment":"neutral","sentiment_score":-0.005410484969615936},{"text":"Your wife.","start":103.985,"end":104.545,"sentiment":"neutral","sentiment_score":-0.0367547832429409}],"sentiment":"neutral","sentiment_score":0.03588216093679269,"num_words":15,"start":94.21,"end":104.545},{"sentences":[{"text":"Sorry.","start":104.545,"end":104.784996,"sentiment":"neutral","sentiment_score":-0.03295658901333809},{"text":"Yes.","start":104.784996,"end":105.284996,"sentiment":"neutral","sentiment_score":-0.0008537909016013145},{"text":"Okay.","start":107.505,"end":108.005,"sentiment":"neutral","sentiment_score":0.013068553991615772},{"text":"And same surname?","start":108.305,"end":109.59,"sentiment":"neutral","sentiment_score":0.008207429976512989},{"text":"Oh, okay.","start":116.63,"end":117.03,"sentiment":"neutral","sentiment_score":0.030114524997770783}],"sentiment":"neutral","sentiment_score":0.008013689250219613,"num_words":8,"start":104.545,"end":117.03},{"sentences":[{"text":"So sorry.","start":117.03,"end":117.689995,"sentiment":"neutral","sentiment_score":-0.02583608590066433},{"text":"What what was that again?","start":117.75,"end":119.369995,"sentiment":"neutral","sentiment_score":-0.02628634311258793},{"text":"Y e l e?","start":121.75,"end":123.45,"sentiment":"neutral","sentiment_score":0.0007735924737062306},{"text":"Okay.","start":123.884995,"end":124.384995,"sentiment":"neutral","sentiment_score":0.009271206334233284},{"text":"And what is her contact number?","start":124.84499,"end":127.244995,"sentiment":"neutral","sentiment_score":0.0014186922150353591}],"sentiment":"neutral","sentiment_score":-0.009012564324722108,"num_words":18,"start":117.03,"end":127.244995},{"sentences":[{"text":"Because we'll...","start":127.244995,"end":127.884995,"sentiment":"neutral","sentiment_score":-0.0006054149707779288},{"text":"We have her noted as your next of 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correct?","start":146.92,"end":147.9,"sentiment":"neutral","sentiment_score":0.08011509974797566},{"text":"Yes.","start":149.4,"end":149.9,"sentiment":"neutral","sentiment_score":0.028828905895352364}],"sentiment":"neutral","sentiment_score":0.20538946644713482,"num_words":18,"start":140.6,"end":149.9},{"sentences":[{"text":"Yeah.","start":150.405,"end":150.725,"sentiment":"neutral","sentiment_score":0.06596498191356659},{"text":"Oh, lovely.","start":150.725,"end":152.005,"sentiment":"neutral","sentiment_score":0.20512346178293228},{"text":"What's her name?","start":152.005,"end":152.905,"sentiment":"neutral","sentiment_score":0.0743934412797292},{"text":"R e y a.","start":157.365,"end":158.725,"sentiment":"neutral","sentiment_score":0.019818080123513937},{"text":"And she's six, you 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correct?","start":172.92,"end":174.06,"sentiment":"neutral","sentiment_score":0.03620158974081278},{"text":"Lovely.","start":178.285,"end":178.785,"sentiment":"neutral","sentiment_score":0.24076315760612488},{"text":"And your employer name is SHLPA Petroleum Proprietary Limited and full time?","start":180.44499,"end":189.025,"sentiment":"neutral","sentiment_score":0.07314675658320387},{"text":"Okay.","start":191.08499,"end":191.58499,"sentiment":"neutral","sentiment_score":0.11044513434171677},{"text":"And we've got your income as 60 thousand.","start":193.20001,"end":195.84001,"sentiment":"neutral","sentiment_score":0.02472626941744238}],"sentiment":"neutral","sentiment_score":0.0604456109711184,"num_words":26,"start":172.92,"end":195.84001},{"sentences":[{"text":"Is that correct?","start":195.84001,"end":196.74,"sentiment":"neutral","sentiment_score":0.035393341133991875},{"text":"Yeah.","start":199.04001,"end":199.54001,"sentiment":"neutral","sentiment_score":0.03404609486460686},{"text":"And that's what you pay yourself through the business?","start":199.76001,"end":201.94,"sentiment":"neutral","sentiment_score":0.027104715299275186},{"text":"And you do...","start":203.28,"end":204.08,"sentiment":"neutral","sentiment_score":0.01177941169589758},{"text":"And you you pay superannuation as well to yourself?","start":204.08,"end":210.07501,"sentiment":"neutral","sentiment_score":0.011963516887691285}],"sentiment":"neutral","sentiment_score":0.021087137721478938,"num_words":25,"start":195.84001,"end":210.07501},{"sentences":[{"text":"Okay.","start":212.29501,"end":212.79501,"sentiment":"neutral","sentiment_score":-0.03395107388496399},{"text":"Okay.","start":215.335,"end":215.735,"sentiment":"neutral","sentiment_score":0.09416884183883668},{"text":"So you've just started doing the 12%.","start":215.735,"end":218.77501,"sentiment":"neutral","sentiment_score":0.07515357009002141},{"text":"Is that right?","start":218.77501,"end":221.89,"sentiment":"neutral","sentiment_score":0.059899378567934036},{"text":"Okay.","start":221.89,"end":222.39,"sentiment":"neutral","sentiment_score":0.04328272491693497}],"sentiment":"neutral","sentiment_score":0.062251816861904584,"num_words":13,"start":212.29501,"end":222.39},{"sentences":[{"text":"And I have your expenditure here as $1,500 per week.","start":223.09,"end":227.89,"sentiment":"neutral","sentiment_score":0.025619859620928765},{"text":"Would that still be correct?","start":227.89,"end":229.26999,"sentiment":"neutral","sentiment_score":0.03158187083899975},{"text":"Yeah.","start":230.76999,"end":231.09,"sentiment":"neutral","sentiment_score":0.0327128991484642},{"text":"Does that include the mortgage repayment?","start":231.09,"end":233.02501,"sentiment":"neutral","sentiment_score":0.03254604463775953},{"text":"No.","start":235.645,"end":236.145,"sentiment":"neutral","sentiment_score":-0.06048218905925751}],"sentiment":"neutral","sentiment_score":0.025287605579132618,"num_words":23,"start":223.09,"end":236.145},{"sentences":[{"text":"What would be the mortgage repayment?","start":236.365,"end":238.145,"sentiment":"neutral","sentiment_score":-0.004108904084811608},{"text":"Of course.","start":242.685,"end":243.425,"sentiment":"neutral","sentiment_score":0.007806100416928531},{"text":"No.","start":258.09,"end":258.41,"sentiment":"neutral","sentiment_score":-0.02830701321363449},{"text":"You're fine.","start":258.41,"end":259.22998,"sentiment":"neutral","sentiment_score":0.05988738313317299},{"text":"No.","start":295.67502,"end":296.17502,"sentiment":"neutral","sentiment_score":0.034623753279447556}],"sentiment":"neutral","sentiment_score":0.009754190221428871,"num_words":12,"start":236.365,"end":296.17502},{"sentences":[{"text":"You're absolutely fine.","start":296.315,"end":297.515,"sentiment":"neutral","sentiment_score":0.267188419898351},{"text":"Thank you.","start":297.515,"end":298.335,"sentiment":"positive","sentiment_score":0.4233671873807907},{"text":"Do you know how much your mortgage repayment would be?","start":299.13,"end":301.63,"sentiment":"neutral","sentiment_score":0.03842509016394615},{"text":"3,200 a month?","start":304.57,"end":306.11002,"sentiment":"neutral","sentiment_score":0.01240294799208641},{"text":"Yeah.","start":307.29,"end":307.79,"sentiment":"neutral","sentiment_score":0.021023251116275787}],"sentiment":"neutral","sentiment_score":0.1100411911151911,"num_words":19,"start":296.315,"end":307.79},{"sentences":[{"text":"And do you have any...","start":307.85,"end":310.41,"sentiment":"neutral","sentiment_score":0.011407924816012383},{"text":"Do you do any regular savings per week or per month?","start":310.41,"end":313.63498,"sentiment":"neutral","sentiment_score":0.007445876740596511},{"text":"Yeah.","start":316.655,"end":317.055,"sentiment":"neutral","sentiment_score":0.025770388543605804},{"text":"How how much would you say?","start":317.055,"end":318.51498,"sentiment":"neutral","sentiment_score":0.009625626107056936},{"text":"Yep.","start":323.215,"end":323.715,"sentiment":"neutral","sentiment_score":0.16986088454723358}],"sentiment":"neutral","sentiment_score":0.016347054081658523,"num_words":24,"start":307.85,"end":323.715},{"sentences":[{"text":"That's great.","start":323.935,"end":324.835,"sentiment":"positive","sentiment_score":0.5006506443023682},{"text":"And we have your home here valued at 850,000 with a debt of 520,000.","start":325.49002,"end":332.61002,"sentiment":"neutral","sentiment_score":0.20995266416243144},{"text":"Is that accurate?","start":332.61002,"end":333.59003,"sentiment":"neutral","sentiment_score":0.12420971443255742},{"text":"K.","start":335.81,"end":336.29,"sentiment":"neutral","sentiment_score":0.005380542483180761},{"text":"Any other assets or liabilities that you can think 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country?","start":353.26,"end":356.16,"sentiment":"neutral","sentiment_score":-0.03733019195497036},{"text":"No.","start":357.82,"end":358.32,"sentiment":"neutral","sentiment_score":-0.03618116676807403},{"text":"Okay.","start":358.86002,"end":359.36002,"sentiment":"neutral","sentiment_score":0.0659816563129425},{"text":"Beautiful.","start":359.58002,"end":360.08002,"sentiment":"neutral","sentiment_score":0.26561248302459717},{"text":"With...","start":360.46,"end":360.96,"sentiment":"neutral","sentiment_score":0.11305104196071623}],"sentiment":"neutral","sentiment_score":0.0025115782128913053,"num_words":14,"start":353.26,"end":360.96},{"sentences":[{"text":"I just wanna spend a little bit of time going through your goals, if that's okay, for the ones that we had on file for you.","start":361.02002,"end":366.895,"sentiment":"neutral","sentiment_score":0.11129174696711394},{"text":"Is...","start":367.675,"end":368.07498,"sentiment":"neutral","sentiment_score":0.021571960300207135},{"text":"One one of the first ones was that you wanted to work towards buying an investment property and to start contributing to super to help it grow.","start":368.07498,"end":376.235,"sentiment":"neutral","sentiment_score":0.06719271328162264},{"text":"So I note that you said you've started contributing super.","start":376.235,"end":379.75998,"sentiment":"neutral","sentiment_score":0.044464677944779395},{"text":"Are you still looking at purchasing an investment property?","start":380.46,"end":386.87997,"sentiment":"neutral","sentiment_score":0.0010128399978081386}],"sentiment":"neutral","sentiment_score":0.07100168465037052,"num_words":73,"start":361.02002,"end":386.87997},{"sentences":[{"text":"Yeah.","start":395.215,"end":395.53497,"sentiment":"neutral","sentiment_score":0.008727630600333214},{"text":"Okay.","start":395.53497,"end":395.85498,"sentiment":"neutral","sentiment_score":0.0440266877412796},{"text":"That's completely understandable.","start":395.85498,"end":397.315,"sentiment":"neutral","sentiment_score":0.030043858103454113},{"text":"With regards to your retirement, you've said that you'd like to retire comfortably and travel around the world.","start":399.13498,"end":404.75497,"sentiment":"neutral","sentiment_score":0.21676221365729967},{"text":"Just to dig a little bit deeper on that, what age are you wanting to retire?","start":405.12,"end":411.46,"sentiment":"neutral","sentiment_score":-0.004442143719643354}],"sentiment":"neutral","sentiment_score":0.10188542151202758,"num_words":39,"start":395.215,"end":411.46},{"sentences":[{"text":"60 62.","start":418.32,"end":419.575,"sentiment":"neutral","sentiment_score":0.009414335247129202},{"text":"Yeah?","start":421.075,"end":421.575,"sentiment":"neutral","sentiment_score":0.019234295934438705},{"text":"And what...","start":422.195,"end":422.83502,"sentiment":"neutral","sentiment_score":0.007545472355559468},{"text":"And how much would you need per week in retirement if you were debt free?","start":422.83502,"end":429.23502,"sentiment":"neutral","sentiment_score":0.005434021664162477},{"text":"I'm...","start":429.23502,"end":429.555,"sentiment":"neutral","sentiment_score":-0.0008371793664991856}],"sentiment":"neutral","sentiment_score":0.006372716987416858,"num_words":21,"start":418.32,"end":429.555},{"sentences":[{"text":"Do you wanna be debt free 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retirement?","start":453.625,"end":457.005,"sentiment":"neutral","sentiment_score":0.04066585045721796},{"text":"Yep.","start":458.66498,"end":459.065,"sentiment":"neutral","sentiment_score":0.0931447446346283},{"text":"Wonderful.","start":459.065,"end":459.565,"sentiment":"neutral","sentiment_score":0.3040524125099182},{"text":"We...","start":463.54,"end":464.04,"sentiment":"neutral","sentiment_score":0.06198723614215851},{"text":"Like I said.","start":464.66,"end":465.48,"sentiment":"neutral","sentiment_score":0.013872995972633362}],"sentiment":"neutral","sentiment_score":0.057786402354637785,"num_words":15,"start":453.625,"end":465.48},{"sentences":[{"text":"She has one 20?","start":468.74,"end":469.96,"sentiment":"neutral","sentiment_score":-0.24604884162545204},{"text":"Sorry.","start":479.075,"end":479.39502,"sentiment":"neutral","sentiment_score":-0.13835376501083374},{"text":"I'm just having a little bit of trouble hearing you 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that?","start":494.84998,"end":511.815,"sentiment":"neutral","sentiment_score":0.0087125178736945},{"text":"Hello?","start":511.815,"end":512.215,"sentiment":"neutral","sentiment_score":-0.006039946805685759},{"text":"Yes?","start":512.215,"end":512.615,"sentiment":"neutral","sentiment_score":-0.004146166145801544}],"sentiment":"neutral","sentiment_score":0.049283625212528055,"num_words":31,"start":488.93,"end":512.615},{"sentences":[{"text":"Sorry.","start":512.615,"end":512.855,"sentiment":"neutral","sentiment_score":-0.08976086974143982},{"text":"I'm sorry.","start":512.855,"end":513.415,"sentiment":"neutral","sentiment_score":-0.1400500349700451},{"text":"I wasn't sure if you're speaking with me.","start":513.415,"end":515.77,"sentiment":"neutral","sentiment_score":-0.1429921556264162},{"text":"With your superannuation, do you have any other goals or objectives that you wanna achieve 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receive.","start":540.915,"end":548.66,"sentiment":"neutral","sentiment_score":0.04529940585295359}],"sentiment":"neutral","sentiment_score":0.033544522253838034,"num_words":28,"start":534.595,"end":548.66},{"sentences":[{"text":"If you have...","start":548.72,"end":549.44,"sentiment":"neutral","sentiment_score":0.00582455936819315},{"text":"Do you have access to your emails at the moment?","start":549.44,"end":551.62,"sentiment":"neutral","sentiment_score":-0.0010933740064501764},{"text":"Yep.","start":552.96,"end":553.27997,"sentiment":"neutral","sentiment_score":0.10217459499835968},{"text":"Okay.","start":553.27997,"end":553.77997,"sentiment":"neutral","sentiment_score":0.29011356830596924},{"text":"Wonderful.","start":554.08,"end":554.58,"sentiment":"positive","sentiment_score":0.6055163145065308}],"sentiment":"neutral","sentiment_score":0.06277152599068359,"num_words":16,"start":548.72,"end":554.58},{"sentences":[{"text":"So you will get that from me, and it will come through...","start":554.64,"end":558.175,"sentiment":"positive","sentiment_score":0.37154962370793027},{"text":"It won't be a moment.","start":558.315,"end":559.615,"sentiment":"neutral","sentiment_score":-0.009271912276744843},{"text":"I'm just getting it up so I can send that.","start":559.675,"end":563.055,"sentiment":"neutral","sentiment_score":0.0594747569411993},{"text":"It's gonna have a...","start":564.955,"end":566.315,"sentiment":"neutral","sentiment_score":0.03153653093613684},{"text":"Our review pack in it for you.","start":566.315,"end":568.175,"sentiment":"neutral","sentiment_score":0.04202078788408211}],"sentiment":"neutral","sentiment_score":0.14282302977517247,"num_words":38,"start":554.64,"end":568.175},{"sentences":[{"text":"So it'll come from Odoo sign, and you'll need to click on the link that says sign documents.","start":568.315,"end":576.33997,"sentiment":"neutral","sentiment_score":0.012318246635711856},{"text":"You're not signing anything at the moment.","start":576.48,"end":578.57996,"sentiment":"neutral","sentiment_score":-0.12111760569470269},{"text":"We're just gonna run through the the review pack to see where everything's sitting.","start":578.8,"end":586.695,"sentiment":"neutral","sentiment_score":-0.012140923512301274},{"text":"So you just let me know when you have that open.","start":589.555,"end":591.815,"sentiment":"neutral","sentiment_score":0.03411224247379736},{"text":"Yeah.","start":594.435,"end":594.755,"sentiment":"neutral","sentiment_score":0.130843386054039}],"sentiment":"neutral","sentiment_score":-0.005686072084833594,"num_words":51,"start":568.315,"end":594.755},{"sentences":[{"text":"You're fine.","start":594.755,"end":595.575,"sentiment":"neutral","sentiment_score":0.2360105738043785},{"text":"Wonderful.","start":633.39,"end":633.89,"sentiment":"positive","sentiment_score":0.5805351734161377},{"text":"Thank you.","start":633.95,"end":634.77,"sentiment":"positive","sentiment_score":0.5168548226356506},{"text":"Have you opened up the documents and got them in front of you?","start":635.39,"end":638.13,"sentiment":"neutral","sentiment_score":0.15065424889326096},{"text":"Oh, you don't you don't need to sign anything just yet.","start":641.315,"end":644.83496,"sentiment":"neutral","sentiment_score":-0.054822071201422}],"sentiment":"neutral","sentiment_score":0.11868029029975677,"num_words":29,"start":594.755,"end":644.83496},{"sentences":[{"text":"We'll just...","start":644.83496,"end":645.235,"sentiment":"neutral","sentiment_score":-0.014645060524344444},{"text":"I'm just gonna...","start":645.235,"end":645.875,"sentiment":"neutral","sentiment_score":-0.012833782782157263},{"text":"There's about six documents that we're just gonna talk through.","start":645.875,"end":648.935,"sentiment":"neutral","sentiment_score":-0.0026347876992076635},{"text":"The first one is just a summary of your superannuation insurance.","start":650.355,"end":653.975,"sentiment":"neutral","sentiment_score":0.020065315067768097},{"text":"So your superannuation is presently with Hub twenty four and valued at approximately $96,732.","start":654.115,"end":663.23,"sentiment":"neutral","sentiment_score":0.032967724704316685}],"sentiment":"neutral","sentiment_score":0.014703181630466133,"num_words":40,"start":644.83496,"end":663.23},{"sentences":[{"text":"And you have your life, TPD, and income protection with a company called Encompass.","start":663.93,"end":669.71,"sentiment":"neutral","sentiment_score":0.035648384663675516},{"text":"And your life and TPD sum insured is 616,198 thousand each.","start":670.385,"end":676.485,"sentiment":"neutral","sentiment_score":0.03337185389616273},{"text":"And your income protection is $3,499 per month with a ninety day waiting period and a two year benefit period.","start":676.785,"end":685.29,"sentiment":"neutral","sentiment_score":0.04399376166984439},{"text":"So when when I look at your your goal of ensuring that your family has adequate cover and you have adequate cover in place to protect your family, do you believe those figures are enough?","start":686.32996,"end":700.605,"sentiment":"neutral","sentiment_score":0.047927788219281606},{"text":"Yeah.","start":703.305,"end":703.805,"sentiment":"neutral","sentiment_score":0.01695607230067253}],"sentiment":"neutral","sentiment_score":0.04247495890767486,"num_words":81,"start":663.93,"end":703.805},{"sentences":[{"text":"Did you wanna look at reviewing them, or are you comfortable with those at this 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flow.","start":730.115,"end":733.715,"sentiment":"neutral","sentiment_score":0.1086719436571002},{"text":"And that the illnesses vary from cancer, heart attack, stroke, and some neurological diseases.","start":733.715,"end":743.55005,"sentiment":"neutral","sentiment_score":-0.008811201634151595},{"text":"Is that something that you wanted to look at, or you...","start":743.85004,"end":747.37,"sentiment":"neutral","sentiment_score":-0.004673540846190669},{"text":"Are you no.","start":747.37,"end":752.125,"sentiment":"neutral","sentiment_score":-0.16548238943020502},{"text":"That's absolutely okay.","start":753.78503,"end":755.22504,"sentiment":"neutral","sentiment_score":0.29166089991728467}],"sentiment":"neutral","sentiment_score":0.03506588565488888,"num_words":43,"start":730.115,"end":755.22504},{"sentences":[{"text":"That's...","start":755.22504,"end":755.705,"sentiment":"neutral","sentiment_score":0.09355242550373076},{"text":"I just I just need to check to make sure that you're aware of what's available.","start":755.705,"end":761.885,"sentiment":"neutral","sentiment_score":-0.02089542947942391},{"text":"The next document across is your hub twenty four performance portfolio.","start":764.04,"end":768.06,"sentiment":"neutral","sentiment_score":0.01699720441617749},{"text":"This is based on the last twelve months.","start":770.12,"end":772.22003,"sentiment":"neutral","sentiment_score":0.009539716294966638},{"text":"So you'll see on the front page of that that there is a fund at the top called the Benelong Australian Equities Fund.","start":772.60004,"end":778.7,"sentiment":"neutral","sentiment_score":0.02873014796363271}],"sentiment":"neutral","sentiment_score":0.01158145654125739,"num_words":59,"start":755.22504,"end":778.7},{"sentences":[{"text":"Now that is...","start":779.22504,"end":780.525,"sentiment":"neutral","sentiment_score":0.0003909546261032422},{"text":"You'll see has been an underperforming asset in the last twelve months, and that's due to Bennelong's investment mandate.","start":781.145,"end":789.965,"sentiment":"neutral","sentiment_score":-0.09009780930845361},{"text":"So their their mandate follows that they identify undervalued companies within the Australian share market for growth opportunities.","start":790.10504,"end":799.72,"sentiment":"neutral","sentiment_score":-0.037434107520514064},{"text":"What that has meant for them is that in the last twelve months, it's been really the banks and the resource sector that have performed, so their mandate has not played out for them.","start":800.5,"end":813.045,"sentiment":"neutral","sentiment_score":-0.08679137105012641},{"text":"What we've done is we don't...","start":813.425,"end":815.265,"sentiment":"neutral","sentiment_score":-0.042941260462005935}],"sentiment":"neutral","sentiment_score":-0.06991317033534869,"num_words":80,"start":779.22504,"end":815.265},{"sentences":[{"text":"We're not reactive.","start":815.265,"end":816.245,"sentiment":"neutral","sentiment_score":-0.11605925609668095},{"text":"We don't we don't reactively replace something without a systemic ongoing reason.","start":816.305,"end":826.26,"sentiment":"neutral","sentiment_score":-0.12539379422863325},{"text":"So what we're doing at the moment now is due to the entire investment committee's in...","start":826.63995,"end":832.16,"sentiment":"neutral","sentiment_score":-0.013470093137584627},{"text":"Has reviewed it, and we are looking at replacing it with alternative for our clients should that be...","start":832.16,"end":838.33997,"sentiment":"neutral","sentiment_score":-0.027573985047638416},{"text":"Should there be an alternative that's appropriate.","start":838.39996,"end":840.575,"sentiment":"neutral","sentiment_score":-0.020916194255862917}],"sentiment":"neutral","sentiment_score":-0.04841374785506299,"num_words":56,"start":815.265,"end":840.575},{"sentences":[{"text":"Are you...","start":840.875,"end":841.27496,"sentiment":"neutral","sentiment_score":0.01820563338696957},{"text":"Is that something that you're happy for me to look at?","start":841.27496,"end":843.77496,"sentiment":"neutral","sentiment_score":0.06621353260495445},{"text":"Yes.","start":845.515,"end":845.755,"sentiment":"neutral","sentiment_score":0.254912793636322},{"text":"Beautiful.","start":845.755,"end":846.255,"sentiment":"neutral","sentiment_score":0.06237352639436722},{"text":"And the other one that I wanted to look at in your portfolio is the third one down, the beta bank hybrid ETF.","start":846.635,"end":853.535,"sentiment":"neutral","sentiment_score":0.07799665759439053}],"sentiment":"neutral","sentiment_score":0.07568340974026605,"num_words":38,"start":840.875,"end":853.535},{"sentences":[{"text":"No no issues with that in relation to performance in Carmel growth.","start":854.66,"end":858.98,"sentiment":"neutral","sentiment_score":0.09260159948219855},{"text":"The reason that I would like to look at investigating that a bit further is that from January 2027, the bank...","start":858.98,"end":868.40497,"sentiment":"neutral","sentiment_score":0.016636292317083905},{"text":"Banking system in Australia is going to phase out bank hybrids.","start":868.705,"end":873.445,"sentiment":"neutral","sentiment_score":-0.03669030862775716},{"text":"So rather than sit and wait and see what they're gonna be replaced with, I'd like to take more of a proactive approach to see if there's an alternative available because I I just don't know what it's gonna look like once they are phased out.","start":873.90497,"end":885.67,"sentiment":"neutral","sentiment_score":0.030447761892624523},{"text":"So for me, taking a proactive approach in relation to that would be my preference if that's suitable for you.","start":885.97,"end":894.07,"sentiment":"neutral","sentiment_score":0.20813553482294084}],"sentiment":"neutral","sentiment_score":0.06018450619144873,"num_words":110,"start":854.66,"end":894.07},{"sentences":[{"text":"Yep.","start":895.97,"end":896.47,"sentiment":"neutral","sentiment_score":0.1752406358718872},{"text":"With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share market.","start":896.97504,"end":906.41504,"sentiment":"neutral","sentiment_score":0.28330066117147606},{"text":"You also have some battery and tech exposure, lithium, which has performed really well in the last little while due to a lot of the instability in relation to the global crisis with fuel.","start":906.41504,"end":921.8,"sentiment":"neutral","sentiment_score":0.233504783909987},{"text":"And you also have some gold exposure, which is a defensive part of your portfolio, so it reduces some of the the risk there.","start":923.22003,"end":932.29504,"sentiment":"neutral","sentiment_score":0.27843886117140454},{"text":"So in the last twelve months, the portfolio has only returned 3.37%, and that is due to the impact of that Bannalong fund because a significant amount of your funds are held there.","start":932.91504,"end":946.97003,"sentiment":"neutral","sentiment_score":0.27366010370579635}],"sentiment":"neutral","sentiment_score":0.2640253038563091,"num_words":116,"start":895.97,"end":946.97003},{"sentences":[{"text":"So I am going to look to replace that if it's appropriate.","start":947.11,"end":951.61,"sentiment":"neutral","sentiment_score":0.10492829109231631},{"text":"Any questions about that?","start":955.125,"end":956.665,"sentiment":"neutral","sentiment_score":0.022213037125766277},{"text":"No.","start":962.245,"end":962.745,"sentiment":"neutral","sentiment_score":-0.31659525632858276},{"text":"Yeah.","start":964.005,"end":964.505,"sentiment":"neutral","sentiment_score":-0.06694705784320831},{"text":"No.","start":965.52496,"end":965.845,"sentiment":"neutral","sentiment_score":-0.13932695984840393}],"sentiment":"neutral","sentiment_score":0.04342749303108767,"num_words":19,"start":947.11,"end":965.845},{"sentences":[{"text":"It hasn't been it hasn't been at all.","start":965.845,"end":968.7,"sentiment":"neutral","sentiment_score":-0.15105355717241764},{"text":"There's been some volatility in the market as well within the last couple of weeks as well, so we expect this.","start":969.26,"end":975.52,"sentiment":"neutral","sentiment_score":-0.11792622258265813},{"text":"But over time, the portfolios and markets do recover, which probably is a good segue into the next document, which is the Vanguard index growth fund or chart, I should say.","start":975.9,"end":991.83496,"sentiment":"neutral","sentiment_score":0.09360185830343154},{"text":"So you...","start":992.77496,"end":993.595,"sentiment":"neutral","sentiment_score":0.02496178913861513},{"text":"You're currently invested as a balanced growth investor.","start":993.65497,"end":997.035,"sentiment":"neutral","sentiment_score":0.11240480840206146}],"sentiment":"neutral","sentiment_score":0.002370578875499112,"num_words":70,"start":965.845,"end":997.035},{"sentences":[{"text":"Now what that invested in those top four funds down the right hand sector...","start":997.095,"end":1019.625,"sentiment":"neutral","sentiment_score":0.05898148885795048},{"text":"Sorry, down the right hand column being US shares, Australian shares, international shares, and listed properties with the remaining 30% approximately invested in Australian bonds, international bonds, and cash.","start":1019.625,"end":1033.92,"sentiment":"neutral","sentiment_score":-0.012439885433634808},{"text":"So you'll see over the long term that 70% approximately that we've got got invested in your gross assets will experience volatility.","start":1034.3,"end":1044.935,"sentiment":"neutral","sentiment_score":-0.021240203133360905},{"text":"But over the long term, they produce...","start":1046.275,"end":1048.675,"sentiment":"neutral","sentiment_score":-0.0453464612364769},{"text":"They're they're part of your portfolio that produces the growth, whereas the bottom two are your defensive allocations, which generally tend to produce more income as opposed to growth over the long term.","start":1048.675,"end":1059.91,"sentiment":"neutral","sentiment_score":-0.1668419142564138}],"sentiment":"neutral","sentiment_score":-0.05548103525347653,"num_words":105,"start":997.095,"end":1059.91},{"sentences":[{"text":"Yeah.","start":1062.8501,"end":1063.3501,"sentiment":"neutral","sentiment_score":-0.12006080150604248},{"text":"So in a balanced growth portfolio, you can expect an average annual return between six to 8%.","start":1063.41,"end":1069.67,"sentiment":"neutral","sentiment_score":-0.2772860833827187},{"text":"And every one in six years, we would expect a negative return.","start":1071.515,"end":1076.735,"sentiment":"negative","sentiment_score":-0.4907803162932396},{"text":"Yeah.","start":1080.235,"end":1080.735,"sentiment":"neutral","sentiment_score":-0.2297675907611847},{"text":"So you can see from you can see from the chart how the market operates.","start":1080.795,"end":1085.455,"sentiment":"neutral","sentiment_score":-0.06764068653186163}],"sentiment":"neutral","sentiment_score":-0.2601666500710923,"num_words":46,"start":1062.8501,"end":1085.455},{"sentences":[{"text":"You can also see how it reacts to certain events that occur globally.","start":1085.515,"end":1091.83,"sentiment":"neutral","sentiment_score":-0.047876364623124786},{"text":"So across the top, you've got some some black writing, which which explain...","start":1091.89,"end":1098.855,"sentiment":"neutral","sentiment_score":-0.06042988999531819},{"text":"Which outlines certain points in the last thirty odd years or so with where events have happened and how the market has reacted with that and then how it has responded post recovery.","start":1098.855,"end":1111.275,"sentiment":"neutral","sentiment_score":-0.08895495601675728},{"text":"Yeah.","start":1114.46,"end":1114.96,"sentiment":"neutral","sentiment_score":0.09111709147691728},{"text":"So with a balanced growth portfolio, we...","start":1115.1,"end":1119.6,"sentiment":"neutral","sentiment_score":0.16666578820773534}],"sentiment":"neutral","sentiment_score":-0.04605548133823409,"num_words":67,"start":1085.515,"end":1119.6},{"sentences":[{"text":"Our our recommendation is that you'd be invested for a minimum of five years to be able to withstand that volatility and those...","start":1119.98,"end":1129.4049,"sentiment":"neutral","sentiment_score":0.10337239908783333},{"text":"The the fluctuations of the market.","start":1130.1849,"end":1132.365,"sentiment":"neutral","sentiment_score":-0.11416339625914891},{"text":"Does that make sense?","start":1132.505,"end":1133.645,"sentiment":"neutral","sentiment_score":-0.04896520636975765},{"text":"Yeah.","start":1139.3049,"end":1139.705,"sentiment":"neutral","sentiment_score":0.03212185949087143},{"text":"Yep.","start":1139.705,"end":1140.105,"sentiment":"neutral","sentiment_score":0.04766751453280449}],"sentiment":"neutral","sentiment_score":0.04504323857171195,"num_words":35,"start":1119.98,"end":1140.105},{"sentences":[{"text":"So if we're looking at it from your superannuation perspective, which we are, we are looking...","start":1140.105,"end":1145.91,"sentiment":"neutral","sentiment_score":0.022104018265963532},{"text":"So you are...","start":1146.2101,"end":1147.17,"sentiment":"neutral","sentiment_score":-0.005887323059141636},{"text":"You're born the same year as me.","start":1147.17,"end":1148.9501,"sentiment":"neutral","sentiment_score":-0.03870929085782596},{"text":"You're 41 at the...","start":1149.65,"end":1151.01,"sentiment":"neutral","sentiment_score":-0.03700620774179697},{"text":"Or turning 41.","start":1151.01,"end":1152.39,"sentiment":"neutral","sentiment_score":-0.05715120583772659}],"sentiment":"neutral","sentiment_score":-0.007710338224459327,"num_words":33,"start":1140.105,"end":1152.39},{"sentences":[{"text":"Yeah.","start":1154.29,"end":1154.79,"sentiment":"neutral","sentiment_score":0.043647076934576035},{"text":"So, realistically, you have twenty years until you can access your superannuation funds for retirement.","start":1155.3651,"end":1161.8651,"sentiment":"neutral","sentiment_score":0.004913752153515816},{"text":"So you have time on your side to withstand market volatility.","start":1163.125,"end":1168.2999,"sentiment":"neutral","sentiment_score":0.003986909308216788},{"text":"There's...","start":1168.36,"end":1168.86,"sentiment":"neutral","sentiment_score":-0.0017074374482035637},{"text":"Does that make sense?","start":1170.12,"end":1171.26,"sentiment":"neutral","sentiment_score":0.0885561965405941}],"sentiment":"neutral","sentiment_score":0.016053959698183462,"num_words":32,"start":1154.29,"end":1171.26},{"sentences":[{"text":"Yeah.","start":1172.84,"end":1173.34,"sentiment":"neutral","sentiment_score":-0.02447008155286312},{"text":"So if you wanted to increase your level of growth, so increase your level of exposure to growth assets being that top four, you do have time on your side to do that.","start":1173.5599,"end":1188.695,"sentiment":"neutral","sentiment_score":0.17633308696024347},{"text":"Obviously, you'll experience more fluctuations in the market, but you need to be comfortable with with that.","start":1188.9149,"end":1202.07,"sentiment":"neutral","sentiment_score":-0.14160805261310408},{"text":"Yeah.","start":1204.45,"end":1204.9299,"sentiment":"neutral","sentiment_score":0.05946439504623413},{"text":"Yeah.","start":1204.9299,"end":1205.25,"sentiment":"neutral","sentiment_score":0.07817859947681427}],"sentiment":"neutral","sentiment_score":0.06650618657048019,"num_words":53,"start":1172.84,"end":1205.25},{"sentences":[{"text":"So that's something that we can talk about if you if you wish to.","start":1205.25,"end":1209.625,"sentiment":"neutral","sentiment_score":0.09516997236226286},{"text":"Or if you wanna hold and wait for another twelve months, we can do that and always revisit the conversation in twelve months' time at your next review.","start":1209.625,"end":1217.1649,"sentiment":"neutral","sentiment_score":0.04149231294702206},{"text":"Yep.","start":1221.1449,"end":1221.5449,"sentiment":"neutral","sentiment_score":0.2869909405708313},{"text":"Okay.","start":1221.5449,"end":1221.87,"sentiment":"positive","sentiment_score":0.355211079120636},{"text":"That's absolutely fine.","start":1222.11,"end":1223.57,"sentiment":"positive","sentiment_score":0.44937647382418316}],"sentiment":"neutral","sentiment_score":0.09541480461175138,"num_words":47,"start":1205.25,"end":1223.57},{"sentences":[{"text":"The next document is your certificate of currency for your insurance.","start":1224.59,"end":1229.09,"sentiment":"neutral","sentiment_score":0.11249046569520776},{"text":"So this this document is just a information piece for yourself to show you that your insurances are enforced.","start":1229.23,"end":1235.89,"sentiment":"neutral","sentiment_score":0.08946067408511513},{"text":"They're paid through your super fund and that that will continue as long as we...","start":1236.885,"end":1246.425,"sentiment":"neutral","sentiment_score":0.031179807831843695},{"text":"The superannuation fund pays for them.","start":1246.725,"end":1249.225,"sentiment":"neutral","sentiment_score":-0.019276206692059834},{"text":"The next document is our financial services guide.","start":1251.54,"end":1254.66,"sentiment":"neutral","sentiment_score":0.029132012743502855}],"sentiment":"neutral","sentiment_score":0.059699049314199865,"num_words":59,"start":1224.59,"end":1254.66},{"sentences":[{"text":"This is a legal document that we need to provide our clients with.","start":1254.66,"end":1258.2001,"sentiment":"neutral","sentiment_score":0.027516171909295596},{"text":"They...","start":1258.74,"end":1259.06,"sentiment":"neutral","sentiment_score":0.01919335313141346},{"text":"It explains to you who we are, who we're licensed through, what type of advice we can provide and how we provide this as well as an overview of our fees and the complaints process should you ever need to go down that path.","start":1259.06,"end":1276.4851,"sentiment":"neutral","sentiment_score":0.06979055457155812},{"text":"Yeah.","start":1279.3451,"end":1279.8451,"sentiment":"neutral","sentiment_score":0.053054727613925934},{"text":"The next document is the ongoing...","start":1280.22,"end":1282.72,"sentiment":"neutral","sentiment_score":0.01629564445465803}],"sentiment":"neutral","sentiment_score":0.05536179359142597,"num_words":65,"start":1254.66,"end":1282.72},{"sentences":[{"text":"Your consent to the ongoing adviser fee.","start":1283.1799,"end":1285.84,"sentiment":"neutral","sentiment_score":0.030041328498295376},{"text":"What this is is it is a document that does require your signature if you're happy to remain a client of Oakview Financial and receive advice.","start":1286.0599,"end":1297.725,"sentiment":"neutral","sentiment_score":0.05440190377143713},{"text":"It's a fixed fee at $1,675.88 per annum, which is then divided monthly and paid monthly over a twelve month period, which equates to a $139.66 per month.","start":1298.105,"end":1314.2301,"sentiment":"neutral","sentiment_score":0.05869306091751371},{"text":"And that's deducted from your superannuation funds monthly.","start":1314.3701,"end":1317.9901,"sentiment":"neutral","sentiment_score":0.04914273554459214},{"text":"Yep.","start":1320.8501,"end":1321.3501,"sentiment":"neutral","sentiment_score":-0.10719254612922668}],"sentiment":"neutral","sentiment_score":0.05077276916376182,"num_words":70,"start":1283.1799,"end":1321.3501},{"sentences":[{"text":"Well...","start":1325.8049,"end":1326.3049,"sentiment":"neutral","sentiment_score":-0.1580098122358322},{"text":"Yes.","start":1330.2849,"end":1330.7849,"sentiment":"neutral","sentiment_score":-0.036593593657016754},{"text":"Oh, okay.","start":1344.9299,"end":1345.51,"sentiment":"neutral","sentiment_score":0.008251272607594728},{"text":"So...","start":1349.09,"end":1349.4099,"sentiment":"neutral","sentiment_score":-0.01425195299088955},{"text":"No.","start":1349.4099,"end":1349.65,"sentiment":"neutral","sentiment_score":-0.08784180879592896}],"sentiment":"neutral","sentiment_score":-0.04669910374407967,"num_words":6,"start":1325.8049,"end":1349.65},{"sentences":[{"text":"That...","start":1349.65,"end":1349.73,"sentiment":"neutral","sentiment_score":-0.0461893305182457},{"text":"That's absolutely fine and a valid question.","start":1349.73,"end":1351.65,"sentiment":"neutral","sentiment_score":0.3178063801356724},{"text":"So what we've done recently is we've actually changed our fee structure.","start":1351.65,"end":1354.87,"sentiment":"neutral","sentiment_score":0.13712281299134096},{"text":"So what that means is you used to be on a percent based fee.","start":1355.475,"end":1359.795,"sentiment":"neutral","sentiment_score":0.03349238807069404},{"text":"So what that would mean is if the market was performing badly or the portfolio was down, you would pay a lesser fee.","start":1359.795,"end":1368.615,"sentiment":"neutral","sentiment_score":-0.07043694008303725}],"sentiment":"neutral","sentiment_score":0.04689075258609496,"num_words":57,"start":1349.65,"end":1368.615},{"sentences":[{"text":"And if the portfolio was performing well and the markets were up, you would pay more.","start":1368.66,"end":1376.52,"sentiment":"neutral","sentiment_score":-0.004990107845515013},{"text":"So what we've done is we've changed it to a fixed flex fee for twelve months.","start":1376.9,"end":1382.295,"sentiment":"neutral","sentiment_score":0.04633052344433963},{"text":"So regardless of whether your portfolio performs well or not, we're not getting...","start":1382.5951,"end":1387.395,"sentiment":"neutral","sentiment_score":-0.07771013189966862},{"text":"We're not benefiting from the fact that your portfolio is performing well.","start":1387.395,"end":1390.8551,"sentiment":"negative","sentiment_score":-0.35483117401599884},{"text":"That fee is simply designed to cover the expenses of conducting your annual reviews and and implementing and providing any further advice needed following this call, which is those investment changes that we've talked about.","start":1391.4751,"end":1406.41,"sentiment":"neutral","sentiment_score":0.03969040992004531}],"sentiment":"neutral","sentiment_score":-0.03497385658809672,"num_words":92,"start":1368.66,"end":1406.41},{"sentences":[{"text":"So we have we have changed the fee to be more transparent for clients and also that, you know, we don't...","start":1408.0249,"end":1418.125,"sentiment":"neutral","sentiment_score":0.06803299207240343},{"text":"The fee isn't going to increase if you have a good month and the market does well within your superannuation fund.","start":1418.505,"end":1426.62,"sentiment":"neutral","sentiment_score":0.11211276959095683},{"text":"It's just a flat fee for twelve months.","start":1426.62,"end":1428.6399,"sentiment":"neutral","sentiment_score":0.07631214847788215},{"text":"Yeah.","start":1433.34,"end":1433.84,"sentiment":"neutral","sentiment_score":0.0988733172416687},{"text":"So if you if you do...","start":1433.8999,"end":1435.1799,"sentiment":"neutral","sentiment_score":0.09390779957175255}],"sentiment":"neutral","sentiment_score":0.08869961925308432,"num_words":57,"start":1408.0249,"end":1435.1799},{"sentences":[{"text":"And and in paying that fee well, you're not limited to only having your annual review.","start":1435.1799,"end":1440.815,"sentiment":"neutral","sentiment_score":0.1688693747855723},{"text":"If any issues come up or you need to seek further advice, you are you are free to contact us at any time.","start":1441.2749,"end":1449.6749,"sentiment":"neutral","sentiment_score":0.16971124708652496},{"text":"You do not need to wait for your annual review.","start":1449.6749,"end":1452.015,"sentiment":"neutral","sentiment_score":0.1810151569545269},{"text":"You just contact us, and and we go from there.","start":1453.13,"end":1456.59,"sentiment":"neutral","sentiment_score":0.26696704775094987},{"text":"Okay?","start":1458.8099,"end":1459.3099,"sentiment":"neutral","sentiment_score":0.09729810059070589}],"sentiment":"neutral","sentiment_score":0.1863731471200784,"num_words":60,"start":1435.1799,"end":1459.3099},{"sentences":[{"text":"And then the final document there that also requires your signature is your confirmation that we...","start":1461.0499,"end":1468.445,"sentiment":"neutral","sentiment_score":0.023935652570798993},{"text":"That you're comfortable with us holding your tax file number.","start":1468.445,"end":1471.165,"sentiment":"neutral","sentiment_score":0.05278428979218006},{"text":"So we hold your tax file number on file as when we set up your superannuation fund, it was disclosed to them to ensure that you didn't get taxed higher in your superannuation fund.","start":1471.165,"end":1483.48,"sentiment":"neutral","sentiment_score":0.06266157663262942},{"text":"So that's just you signing that off to say that you understand that we do hold it on file for you.","start":1484.26,"end":1491.32,"sentiment":"neutral","sentiment_score":0.10393835107485454},{"text":"So if you...","start":1494.675,"end":1496.2151,"sentiment":"neutral","sentiment_score":0.0379105806350708}],"sentiment":"neutral","sentiment_score":0.06354457213144217,"num_words":84,"start":1461.0499,"end":1496.2151},{"sentences":[{"text":"Yeah.","start":1496.435,"end":1496.755,"sentiment":"neutral","sentiment_score":0.061460427939891815},{"text":"So those last two documents do require signing if you're comfortable to do so and stay on board as a client, which we hope you do.","start":1496.755,"end":1506.295,"sentiment":"neutral","sentiment_score":0.11419233937676136},{"text":"But what what I would like to do is review the portfolio for those two investments we spoke about, and we will send through a document in the next week or so that will go over that for us to allow...","start":1506.8351,"end":1526.095,"sentiment":"neutral","sentiment_score":0.08015023335451033},{"text":"For you to review and allow us to make those changes on your behalf.","start":1526.475,"end":1530.1749,"sentiment":"neutral","sentiment_score":0.08384994337601322},{"text":"Yeah?","start":1532.475,"end":1532.975,"sentiment":"neutral","sentiment_score":0.06995317339897156}],"sentiment":"neutral","sentiment_score":0.09109003855341888,"num_words":83,"start":1496.435,"end":1532.975},{"sentences":[{"text":"Is that okay?","start":1533.0349,"end":1533.9349,"sentiment":"neutral","sentiment_score":0.05866048112511635},{"text":"Fantastic.","start":1537.01,"end":1537.51,"sentiment":"positive","sentiment_score":0.6114038228988647},{"text":"Thank you.","start":1537.8899,"end":1538.69,"sentiment":"positive","sentiment_score":0.5830102562904358},{"text":"Do you have any questions for me while I've got you on the phone?","start":1538.69,"end":1541.75,"sentiment":"neutral","sentiment_score":0.21865057945251465},{"text":"No?","start":1543.97,"end":1544.2899,"sentiment":"neutral","sentiment_score":-0.023080695420503616}],"sentiment":"neutral","sentiment_score":0.2376872950366565,"num_words":21,"start":1533.0349,"end":1544.2899},{"sentences":[{"text":"You're happy...","start":1544.2899,"end":1544.7699,"sentiment":"neutral","sentiment_score":0.03306270018219948},{"text":"And you're happy to stay within your reviews, or would you like them more Yeah.","start":1544.7699,"end":1556.515,"sentiment":"neutral","sentiment_score":0.10154773052781821},{"text":"Yeah.","start":1557.775,"end":1558.275,"sentiment":"neutral","sentiment_score":0.03437824919819832},{"text":"Yep.","start":1558.575,"end":1559.075,"sentiment":"neutral","sentiment_score":0.03423766791820526},{"text":"And fantastic.","start":1559.215,"end":1566.7301,"sentiment":"neutral","sentiment_score":0.17571505811065435}],"sentiment":"neutral","sentiment_score":0.09568511388663735,"num_words":21,"start":1544.2899,"end":1566.7301},{"sentences":[{"text":"And just before I let you go, then Carter, I just wanted to flag with you that I have noticed on your superannuation and in your insurance policies that you do not have any beneficiary nominations, funds will be paid to.","start":1567.1901,"end":1580.3049,"sentiment":"neutral","sentiment_score":-0.003746330863001143},{"text":"Okay.","start":1581.645,"end":1582.145,"sentiment":"neutral","sentiment_score":0.0634671002626419},{"text":"So what that means is that upon something happening to you, you're you're passing, it's who the funds will be paid to.","start":1583.485,"end":1592.9601,"sentiment":"neutral","sentiment_score":0.02584739677100019},{"text":"Did you want to nominate your wife or your your daughter or...","start":1594.86,"end":1601.36,"sentiment":"neutral","sentiment_score":0.022192567586898804},{"text":"Yeah.","start":1604.7001,"end":1605.195,"sentiment":"neutral","sentiment_score":0.09430036693811417}],"sentiment":"neutral","sentiment_score":0.010897681062629857,"num_words":77,"start":1567.1901,"end":1605.195},{"sentences":[{"text":"So you want your wife...","start":1605.2749,"end":1606.475,"sentiment":"neutral","sentiment_score":0.05549113601446152},{"text":"I need you to tell me who you want who want to nominate.","start":1606.475,"end":1609.5349,"sentiment":"neutral","sentiment_score":0.03619937154536064},{"text":"Okay.","start":1611.755,"end":1612.255,"sentiment":"neutral","sentiment_score":0.10180449485778809},{"text":"Yep.","start":1613.835,"end":1614.335,"sentiment":"neutral","sentiment_score":0.08306095004081726},{"text":"So what we'll do is...","start":1614.3949,"end":1615.6749,"sentiment":"neutral","sentiment_score":0.04558354653418064}],"sentiment":"neutral","sentiment_score":0.046433227509260176,"num_words":25,"start":1605.2749,"end":1615.6749},{"sentences":[{"text":"Do you have access to a printer, or would you like me to post these out?","start":1615.6749,"end":1619.45,"sentiment":"neutral","sentiment_score":0.023188058810774237},{"text":"Yes.","start":1624.71,"end":1625.11,"sentiment":"neutral","sentiment_score":0.11026880145072936},{"text":"Because I can print...","start":1625.11,"end":1626.15,"sentiment":"neutral","sentiment_score":0.12558444775640965},{"text":"I can email them to you.","start":1626.15,"end":1627.59,"sentiment":"neutral","sentiment_score":0.16160865624745688},{"text":"You can print them and sign them.","start":1627.59,"end":1629.6699,"sentiment":"neutral","sentiment_score":0.15288458338805608}],"sentiment":"neutral","sentiment_score":0.0889252810191144,"num_words":34,"start":1615.6749,"end":1629.6699},{"sentences":[{"text":"You will need two witnesses to sign them, and it cannot be your wife because she's a beneficiary.","start":1629.6699,"end":1634.985,"sentiment":"neutral","sentiment_score":0.04745736594001452},{"text":"So it'd be happy to be two other individuals.","start":1634.985,"end":1636.845,"sentiment":"positive","sentiment_score":0.40588297777705723},{"text":"And then you can email them back to us, and we'll make sure that they're put in place.","start":1637.225,"end":1640.765,"sentiment":"neutral","sentiment_score":0.2497571665379736},{"text":"Fantastic.","start":1645.385,"end":1645.885,"sentiment":"positive","sentiment_score":0.6405144929885864},{"text":"Alright.","start":1646.4701,"end":1646.79,"sentiment":"positive","sentiment_score":0.3656020164489746}],"sentiment":"neutral","sentiment_score":0.2129558488092524,"num_words":47,"start":1629.6699,"end":1646.79},{"sentences":[{"text":"Well, we...","start":1646.79,"end":1647.3501,"sentiment":"neutral","sentiment_score":0.18181446194648743},{"text":"I'll get those prefilled.","start":1647.3501,"end":1648.7301,"sentiment":"neutral","sentiment_score":0.16232500970363617},{"text":"Do you have your...","start":1648.9501,"end":1649.91,"sentiment":"neutral","sentiment_score":0.05808032676577568},{"text":"Do you know your wife's date of birth?","start":1649.91,"end":1651.93,"sentiment":"neutral","sentiment_score":0.028226690366864204},{"text":"If you can give that to me, I'll get the forms prefilled for you so then you can...","start":1653.67,"end":1657.5901,"sentiment":"neutral","sentiment_score":0.10377739576829804}],"sentiment":"neutral","sentiment_score":0.09275158101485835,"num_words":36,"start":1646.79,"end":1657.5901},{"sentences":[{"text":"You don't have to fill them out.","start":1657.5901,"end":1659.2101,"sentiment":"neutral","sentiment_score":0.06864622714264053},{"text":"So the 05/12/1987.","start":1662.335,"end":1665.235,"sentiment":"neutral","sentiment_score":0.039622208724419274},{"text":"And then just one last question with that.","start":1667.375,"end":1669.875,"sentiment":"neutral","sentiment_score":0.03301226859912276},{"text":"There's two types of nominations.","start":1669.935,"end":1671.555,"sentiment":"neutral","sentiment_score":0.020517074316740037},{"text":"You can have one that lapses and that you've gotta sign and renew every three years, or you can have one that does not lapse and is only updated when you complete a new form.","start":1672.175,"end":1682.5199,"sentiment":"neutral","sentiment_score":0.029065940901637076}],"sentiment":"neutral","sentiment_score":0.0341962356569952,"num_words":58,"start":1657.5901,"end":1682.5199},{"sentences":[{"text":"Which one would you prefer?","start":1682.5199,"end":1683.74,"sentiment":"neutral","sentiment_score":0.02410372272133827},{"text":"It...","start":1691.735,"end":1691.975,"sentiment":"neutral","sentiment_score":-0.005693314131349325},{"text":"You...","start":1691.975,"end":1692.2949,"sentiment":"neutral","sentiment_score":-0.006744525860995054},{"text":"So just review every three years?","start":1692.2949,"end":1694.475,"sentiment":"neutral","sentiment_score":-0.006162241877367099},{"text":"Okay.","start":1697.095,"end":1697.595,"sentiment":"neutral","sentiment_score":0.2566766142845154}],"sentiment":"neutral","sentiment_score":0.023413138331047127,"num_words":14,"start":1682.5199,"end":1697.595},{"sentences":[{"text":"Fantastic.","start":1697.735,"end":1698.235,"sentiment":"positive","sentiment_score":0.4697844386100769},{"text":"Well, I'll get those forms sent out to you.","start":1698.455,"end":1700.7949,"sentiment":"neutral","sentiment_score":0.28227125604947406},{"text":"And, in the...","start":1701.015,"end":1702.135,"sentiment":"neutral","sentiment_score":0.0343208834528923},{"text":"And if you...","start":1702.135,"end":1702.695,"sentiment":"neutral","sentiment_score":-0.01467974049349626},{"text":"Anything ever comes up and you need to discuss it further, please reach out.","start":1702.695,"end":1706.4,"sentiment":"neutral","sentiment_score":-0.08502998149820737}],"sentiment":"neutral","sentiment_score":0.06262431436528762,"num_words":30,"start":1697.735,"end":1706.4},{"sentences":[{"text":"But, otherwise, I look forward to speaking to you again at our next review.","start":1706.4,"end":1709.86,"sentiment":"positive","sentiment_score":0.33406638433890684},{"text":"Thank you so much for your time.","start":1712.88,"end":1714.1599,"sentiment":"positive","sentiment_score":0.8416804330689567},{"text":"Enjoy your afternoon.","start":1714.1599,"end":1715.14,"sentiment":"positive","sentiment_score":0.7691324750582377},{"text":"Bye.","start":1717.36,"end":1717.86,"sentiment":"neutral","sentiment_score":0.2021716684103012}],"sentiment":"positive","sentiment_score":0.5231304602324962,"num_words":25,"start":1706.4,"end":1717.86}]}}]},{"alternatives":[{"transcript":"Thank you very much. How's that? Good. Good, Jenna. How are you? Good. Good. Good. Thank you. Yeah. Yeah. Yeah. Yeah. All good. Yeah. Yeah. Sure. First name is Vankata, v n k a t a. Last name is Kavuluru, k a v u l u r u. My date of birth is twenty five twelve nineteen eighty five. My address is 46 Acuras Drive, Calcutta, Victoria 30 64. No. All good. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. All good. Yeah. Nothing. Nothing. No. No. All good. Yeah.. Okay. Yeah. Yeah. Sure, man. Yeah. Yeah. All good, man. Yeah. Sorry. Who's that, ma'am? My my wife. Yeah? Yeah. Naga, n a g a. Yeah. Yeah. Y e l e. Yeah. She she didn't change it yet on the passport, so I better keep... Yeah. Y e l e. Yep. Yep. Oh, okay. Yeah. 044, 88, 428 29. Yep. Yes, ma'am. Yeah. Only one. Yeah. My my daughter. Yeah. Six years old. Shreya, s h r e y a. Yeah. Six years. Oh, yeah. Thanks. Yeah. Yep. That's right. Yep. Yeah. That's right. Yeah. That's fine? Yes. Yeah. I'm okay now. Yeah. Thank you. Yes. We'd like to come and speak... Yeah. That's fine. Yeah. Yeah. Actually, I started paying as of this year. I mean, this financial year, but we didn't pay any last year. Yep. Thanks. Yeah. Yep. Awesome. Oh, no. Yeah. How's it going?. Alright. One sec........... I'm trying to get our our our spare flex. Yep. 30. Okay. It keeps popping. Thank you very much. Okay. Enjoy the day.... Oh, yeah. That's right. I need to go. Yeah. Around 3,200? Yep. Like a savings. Yeah. Yeah. I don't... I I keep for myself around $300 a week, honestly. Yeah. That's fine, ma'am. Yeah. No, ma'am. No. No. Nothing. Yeah. That's pretty much... And I don't have any cards or anything. So... No. No. No, ma'am. No. Only just here. Yep. Yep. Yep. Yes. Yep. Yep. Yes, ma'am. But because of this negative hearing, I... Not at the moment, but I have I have plan to hear if something changes in the future here. Yeah. Yeah. That's right. Yep. Goodbye. No problem. Bye. Sixty two two. Yep. 622. Yep. Yep. Thank you. Maybe $5,600. Yeah. Yeah. 4 76487. That's fine. 1 20, maybe. Thank you. That's not good. Thanks. Have a good day. You know, $1.20 per week. Yes. I'm not 40. Okay. Yes. Yes. Yep. That's right. Why if you have my deductible? So it's discount accepted? Yes. Yes. Thank you.. Hello? Yeah. Yeah. I'll go. Okay. Yeah. Yep. Yep. Of course. Yes. Okay. Hold on. Yep. Just give me one second. Thanks, man. Yes, sir. I just received an email here. Yeah. Yeah. And I'm just trying to sign this here. It's opening up on another plate. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. It should be good. Yeah. No. No. I'm I'm okay with this. Yeah. For now. Yeah. Yep. Alright. Yep. For now for now, honestly, I'm okay for now, but but maybe in the future for sure. Yeah. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yep. Okay. Yes. Yeah. Thank you. Bye bye. Yep. Yep. Yes. Yep. Okay. Yep. I know this year wasn't pretty great. I mean, last year, I mean, you know, wasn't pretty good. Yeah. So... Yeah. Sorry. I was looking. Again? Hello? Yeah. Yep. Okay. Yep. Yep. Yeah. Yep. Yeah. So... Yeah. So so you mean, like, we're we're still hanging on to that? Not... Getting what you want. Yeah. Yes. Yep. Yep. Yep. The chain... With the chain rule. Yeah. We'll do it next time. Yeah. That's fine. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. Oh, okay. Yep. No no discount. It's time for us. Because the market... I mean, I'm not trying to bargain or anything, but, like, you know... No. I'm just asking. Like, I don't know if you... I don't know. You guys are doing it because I heard some... One of my other friend, he said, you know, like, he's not with Oakview, but he's with another company, I think, MLC or something, he told me. Yeah. They were the... They they were the... Yep. I mean, I'm just asking. Right? Yep. Yep. Yep. Yeah. Yep. Yeah. Okay. Oh, okay. Yep. No. That's... Yeah. Yeah. Yep. Okay. Okay. Yep. Yep. Okay. Yep. Okay. Yep. Yep. Let's find. Yes. Yeah. Yeah. Yep. I've already signed I've already signed... Yeah. Yeah. I've already signed them for you. No. No. Nothing. It's all good. No. That's fine. You know, if anything changes, you'll update me anyway. So, you know, if any massive changes coming. Yep. But with my investment property, it's the only one that I'm waiting on. But if something changes in the future, you know, I'll give you a callback here. Oh, okay. You can you can put my daughter. That's fine. Yeah. Yeah. Yes. Yeah. Anybody. It doesn't matter. Yeah. So my wife is okay. Yeah. Yeah. Yeah. That's fine. Yeah. My wife is okay. Yeah. I can put her name. Yes. I have a printer on on on with me. Yeah. Yep. Yep. Yep. Yeah. Okay. Yeah. That's fine. Yep. Yeah. Yeah. Yeah. Yep. Yep. 12/05/1987. Yeah. That's right. Yeah. Yeah. Yep. Up to you. I don't know. Like, whatever whatever is easier. That's fine. Three years, we'll go three years. Yeah. Yeah. Every three years. Yeah. That's... Yeah. Yep. Yep. Done. Done. All good. Yeah. 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you very much. How's that? Good. Good, Jenna. How are you?\n\nGood. Good. Good. Thank you. Yeah.\n\nYeah. Yeah. Yeah. All good. Yeah.\n\nYeah. Sure. First name is Vankata, v n k a t a. Last name is Kavuluru, k a v u l u r u. My date of birth is twenty five twelve nineteen eighty five.\n\nMy address is 46 Acuras Drive, Calcutta, Victoria 30 64. No. All good. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. All good.\n\nYeah. Nothing. Nothing. No. No.\n\nAll good. Yeah.. Okay. Yeah. Yeah.\n\nSure, man. Yeah. Yeah. All good, man. Yeah.\n\nSorry. Who's that, ma'am? My my wife. Yeah? Yeah.\n\nNaga, n a g a. Yeah. Yeah. Y e l e. Yeah.\n\nShe she didn't change it yet on the passport, so I better keep... Yeah. Y e l e. Yep. Yep.\n\nOh, okay. Yeah. 044, 88, 428 29. Yep. Yes, ma'am.\n\nYeah. Only one. Yeah. My my daughter. Yeah.\n\nSix years old. Shreya, s h r e y a. Yeah. Six years. Oh, yeah.\n\nThanks. Yeah. Yep. That's right. Yep.\n\nYeah. That's right. Yeah. That's fine? Yes.\n\nYeah. I'm okay now. Yeah. Thank you. Yes.\n\nWe'd like to come and speak... Yeah. That's fine. Yeah. Yeah.\n\nActually, I started paying as of this year. I mean, this financial year, but we didn't pay any last year. Yep. Thanks. Yeah.\n\nYep. Awesome. Oh, no. Yeah. How's it going?.\n\nAlright. One sec........... I'm trying to get our our our spare flex. Yep. 30.\n\nOkay. It keeps popping. Thank you very much. Okay. Enjoy the day....\n\nOh, yeah. That's right. I need to go. Yeah. Around 3,200?\n\nYep. Like a savings. Yeah. Yeah. I don't...\n\nI I keep for myself around $300 a week, honestly. Yeah. That's fine, ma'am. Yeah. No, ma'am.\n\nNo. No. Nothing. Yeah. That's pretty much...\n\nAnd I don't have any cards or anything. So... No. No. No, ma'am.\n\nNo. Only just here. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yes, ma'am. But because of this negative hearing, I...\n\nNot at the moment, but I have I have plan to hear if something changes in the future here. Yeah. Yeah. That's right. Yep.\n\nGoodbye. No problem. Bye. Sixty two two. Yep.\n\n622. Yep. Yep. Thank you. Maybe $5,600.\n\nYeah. Yeah. 4 76487. That's fine. 1 20, maybe.\n\nThank you. That's not good. Thanks. Have a good day. You know, $1.20 per week.\n\nYes. I'm not 40. Okay. Yes. Yes.\n\nYep. That's right. Why if you have my deductible? So it's discount accepted? Yes.\n\nYes. Thank you.. Hello? Yeah. Yeah.\n\nI'll go. Okay. Yeah. Yep. Yep.\n\nOf course. Yes. Okay. Hold on. Yep.\n\nJust give me one second. Thanks, man. Yes, sir. I just received an email here. Yeah.\n\nYeah. And I'm just trying to sign this here. It's opening up on another plate. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. It should be good.\n\nYeah. No. No. I'm I'm okay with this. Yeah.\n\nFor now. Yeah. Yep. Alright. Yep.\n\nFor now for now, honestly, I'm okay for now, but but maybe in the future for sure. Yeah. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Yep. Yep. Okay.\n\nYes. Yeah. Thank you. Bye bye. Yep.\n\nYep. Yes. Yep. Okay. Yep.\n\nI know this year wasn't pretty great. I mean, last year, I mean, you know, wasn't pretty good. Yeah. So... Yeah.\n\nSorry. I was looking. Again? Hello? Yeah.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYep. Yeah. So... Yeah. So so you mean, like, we're we're still hanging on to that?\n\nNot... Getting what you want. Yeah. Yes. Yep.\n\nYep. Yep. The chain... With the chain rule. Yeah.\n\nWe'll do it next time. Yeah. That's fine. Yep. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nYeah. Oh, okay. Yep. No no discount. It's time for us.\n\nBecause the market... I mean, I'm not trying to bargain or anything, but, like, you know... No. I'm just asking. Like, I don't know if you...\n\nI don't know. You guys are doing it because I heard some... One of my other friend, he said, you know, like, he's not with Oakview, but he's with another company, I think, MLC or something, he told me. Yeah. They were the...\n\nThey they were the... Yep. I mean, I'm just asking. Right? Yep.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nOkay. Oh, okay. Yep. No. That's...\n\nYeah. Yeah. Yep. Okay. Okay.\n\nYep. Yep. Okay. Yep. Okay.\n\nYep. Yep. Let's find. Yes. Yeah.\n\nYeah. Yep. I've already signed I've already signed... Yeah. Yeah.\n\nI've already signed them for you. No. No. Nothing. It's all good.\n\nNo. That's fine. You know, if anything changes, you'll update me anyway. So, you know, if any massive changes coming. Yep.\n\nBut with my investment property, it's the only one that I'm waiting on. But if something changes in the future, you know, I'll give you a callback here. Oh, okay. You can you can put my daughter. That's fine.\n\nYeah. Yeah. Yes. Yeah. Anybody.\n\nIt doesn't matter. Yeah. So my wife is okay. Yeah. Yeah.\n\nYeah. That's fine. Yeah. My wife is okay. Yeah.\n\nI can put her name. Yes. I have a printer on on on with me. Yeah. Yep.\n\nYep. Yep. Yeah. Okay. Yeah.\n\nThat's fine. Yep. Yeah. Yeah. Yeah.\n\nYep. Yep. 12/05/1987. Yeah. That's right.\n\nYeah. Yeah. Yep. Up to you. I don't know.\n\nLike, whatever whatever is easier. That's fine. Three years, we'll go three years. Yeah. Yeah.\n\nEvery three years. Yeah. That's... Yeah. Yep.\n\nYep. Done. Done. All good. Yeah.\n\nThank you, Yanna. Good. Thank you. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Thank you very much.","start":0.88,"end":2.02,"sentiment":"positive","sentiment_score":0.6014152020215988},{"text":"How's that?","start":2.32,"end":3.22,"sentiment":"neutral","sentiment_score":0.24576370418071747},{"text":"Good.","start":7.7599998,"end":7.9199996,"sentiment":"positive","sentiment_score":0.45780491828918457},{"text":"Good, Jenna.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.46026913821697235},{"text":"How are 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How's that?\n\nChannel 0: Hi, Venkata. It's Jenna Phoning from Oakview Financial.\n\nChannel 1: Good. Good,\n\nChannel 0: How\n\nChannel 1: Jenna.\n\nChannel 0: are you\n\nChannel 1: How are\n\nChannel 0: today?\n\nChannel 1: you? Good. Good. Good.\n\nChannel 0: I'm\n\nChannel 1: Thank\n\nChannel 0: well.\n\nChannel 1: you.\n\nChannel 0: That's good. Just before I go any further, I just need to let you know that our calls are corded... Recorded for quality and coaching purposes. Is that\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Yeah. Yeah. Yeah. All good.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And can I please ask you to confirm your full name, date of birth, and address?\n\nChannel 1: Yeah. Sure. First name is Vankata, v n k a t a. Last name is Kavuluru, k a v u l u r u. My date of birth is twenty five twelve nineteen eighty five.\n\nMy address is 46 Acuras Drive, Calcutta, Victoria 30 64.\n\nChannel 0: Thank you. Thank you so much for confirming that. I\n\nChannel 1: No.\n\nChannel 0: appreciate\n\nChannel 1: All good. Yeah.\n\nChannel 0: it. So do you have some time today to\n\nChannel 1: Yeah.\n\nChannel 0: run through\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: annual review?\n\nChannel 1: Yeah. All\n\nChannel 0: Fantastic.\n\nChannel 1: good. Yeah.\n\nChannel 0: That's great. Before I start or go through the process, what I'd like to do, first of all, is ask if there's been any significant changes to your personal or financial situation that we need to\n\nChannel 1: Nothing.\n\nChannel 0: be aware\n\nChannel 1: Nothing.\n\nChannel 0: of?\n\nChannel 1: No. No. All good. Yeah..\n\nChannel 0: No. Okay. Alright. So the purpose of this review is for myself\n\nChannel 1: Okay.\n\nChannel 0: just to go through the information in relation to what we have on file to make sure that it is current and up to date. Additionally, I will then send you an email to your email address that will provide you with a review pack, which will run through and identify\n\nChannel 1: Yeah.\n\nChannel 0: if we need to make any changes or\n\nChannel 1: Yeah. Sure, man.\n\nChannel 0: further advice. Is that okay?\n\nChannel 1: Yeah. Yeah. All good, man. Yeah.\n\nChannel 0: Lovely. Alright. I have your name down here as Nada. Is that correct?\n\nChannel 1: Sorry. Who's that, ma'am? My my wife. Yeah?\n\nChannel 0: Yes. Your wife. Sorry. Yes.\n\nChannel 1: Yeah. Naga, n a g a. Yeah.\n\nChannel 0: Okay. And same surname?\n\nChannel 1: Yeah. Y e l e. Yeah. She she didn't change it yet on the passport, so I\n\nChannel 0: Oh,\n\nChannel 1: better\n\nChannel 0: okay. So\n\nChannel 1: keep...\n\nChannel 0: sorry.\n\nChannel 1: Yeah.\n\nChannel 0: What what was that again?\n\nChannel 1: Y e l e.\n\nChannel 0: Y e l e?\n\nChannel 1: Yep.\n\nChannel 0: Okay. And what is her contact number? Because we'll...\n\nChannel 1: Yep.\n\nChannel 0: We have her noted as your next of kin.\n\nChannel 1: Oh, okay. Yeah. 044,\n\nChannel 0: Yes.\n\nChannel 1: 88,\n\nChannel 0: Yes.\n\nChannel 1: 428\n\nChannel 0: Yep.\n\nChannel 1: 29. Yep.\n\nChannel 0: 29. Thank you very much. And we have you noted as having one dependent. Is that\n\nChannel 1: Yes,\n\nChannel 0: correct?\n\nChannel 1: ma'am. Yeah. Only one. Yeah. My my daughter.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Six years old.\n\nChannel 0: Yeah. Oh, lovely. What's her name?\n\nChannel 1: Shreya, s h r e y a.\n\nChannel 0: R e y a. And she's six, you said?\n\nChannel 1: Yeah. Six years. Oh, yeah.\n\nChannel 0: Yes. Oh, lovely. Such\n\nChannel 1: Thanks.\n\nChannel 0: a good age, that is.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: So I've got your occupation down here as a business owner of a petrol station. Is that still correct?\n\nChannel 1: That's right.\n\nChannel 0: Lovely. And your employer name is SHLPA Petroleum Proprietary Limited\n\nChannel 1: Yep. Yeah. That's right. Yeah.\n\nChannel 0: and full time?\n\nChannel 1: That's fine? Yes. Yeah. I'm okay now.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Thank you. Yes.\n\nChannel 0: And we've got\n\nChannel 1: We'd\n\nChannel 0: your\n\nChannel 1: like\n\nChannel 0: income\n\nChannel 1: to come\n\nChannel 0: as 60\n\nChannel 1: and speak...\n\nChannel 0: thousand. Is that correct?\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Yeah. And that's what you pay yourself through the business?\n\nChannel 1: Yeah.\n\nChannel 0: And you do... And you you pay superannuation as well to\n\nChannel 1: Actually,\n\nChannel 0: yourself?\n\nChannel 1: I started paying as of this year. I mean, this financial\n\nChannel 0: Okay.\n\nChannel 1: year, but we didn't pay any last year. Yep.\n\nChannel 0: Okay.\n\nChannel 1: Thanks.\n\nChannel 0: So you've just started doing the 12%. Is that\n\nChannel 1: Yeah.\n\nChannel 0: right? Okay. And I have your expenditure here as $1,500 per week. Would that still be correct?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Does that include the mortgage repayment?\n\nChannel 1: Awesome. Oh, no. Yeah.\n\nChannel 0: No. What\n\nChannel 1: How's\n\nChannel 0: would\n\nChannel 1: it\n\nChannel 0: be\n\nChannel 1: going?.\n\nChannel 0: the mortgage repayment?\n\nChannel 1: Alright. One sec...........\n\nChannel 0: Of course.\n\nChannel 1: I'm trying to get our our our spare flex. Yep. 30.\n\nChannel 0: No. You're fine.\n\nChannel 1: Okay. It keeps popping. Thank you very much. Okay. Enjoy the day....\n\nOh, yeah. That's right. I need to go. Yeah.\n\nChannel 0: No. You're absolutely fine. Thank you. Do you know how much your mortgage repayment would be?\n\nChannel 1: Around 3,200?\n\nChannel 0: 3,200 a month?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And do you have any... Do you do any regular savings per week or per month?\n\nChannel 1: Like a savings. Yeah.\n\nChannel 0: Yeah. How how\n\nChannel 1: Yeah.\n\nChannel 0: much would you say?\n\nChannel 1: I don't... I I keep for myself around $300 a week, honestly.\n\nChannel 0: Yep. That's great. And we have your home here valued at 850,000 with a debt of 520,000. Is that accurate?\n\nChannel 1: Yeah. That's fine, ma'am. Yeah.\n\nChannel 0: K. Any other assets or liabilities\n\nChannel 1: No,\n\nChannel 0: that\n\nChannel 1: ma'am.\n\nChannel 0: you can think\n\nChannel 1: No.\n\nChannel 0: of?\n\nChannel 1: No. Nothing.\n\nChannel 0: No.\n\nChannel 1: Yeah. That's pretty much... And I don't have any cards or anything. So...\n\nChannel 0: Okay. No worries at all. And do you have a will or power of attorney?\n\nChannel 1: No. No.\n\nChannel 0: No. And are you a tax resident in any other country?\n\nChannel 1: No, ma'am. No. Only just here.\n\nChannel 0: No. Okay. Beautiful. With... I just wanna spend a little bit of time going through your goals, if that's\n\nChannel 1: Yep.\n\nChannel 0: okay, for the ones that we had on file for you.\n\nChannel 1: Yep.\n\nChannel 0: Is... One one of the first ones was that you wanted to work towards buying an investment property and to start contributing to super to help it\n\nChannel 1: Yep.\n\nChannel 0: grow. So\n\nChannel 1: Yes.\n\nChannel 0: I note that you said you've started contributing super.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Are you still looking at purchasing an investment property?\n\nChannel 1: Yes, ma'am. But because of this negative hearing, I... Not at the moment, but I have I have plan to hear if something changes in the future here.\n\nChannel 0: Yeah. Okay. That's completely understandable.\n\nChannel 1: Yeah.\n\nChannel 0: With regards to your retirement, you've said that you'd like to retire comfortably and travel around the world.\n\nChannel 1: Yeah.\n\nChannel 0: Just\n\nChannel 1: That's right.\n\nChannel 0: to dig a little bit deeper on that, what age\n\nChannel 1: Yep.\n\nChannel 0: are\n\nChannel 1: Goodbye.\n\nChannel 0: you wanting\n\nChannel 1: No problem.\n\nChannel 0: to retire?\n\nChannel 1: Bye. Sixty two two. Yep. 622.\n\nChannel 0: 60\n\nChannel 1: Yep.\n\nChannel 0: 62. Yeah?\n\nChannel 1: Yep.\n\nChannel 0: And what... And how much would you need per week in retirement if you were debt free? I'm... Do you wanna be debt free in retirement? I guess that's probably one of\n\nChannel 1: Thank you. Maybe $5,600.\n\nChannel 0: the questions. Yep. Is that just for yourself or for your wife as well? Okay. And does your wife have superannuation that she will axe...\n\nWill be able to... Will be... Use... Will... You'll be able to use to fund your retirement?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: 4\n\nChannel 0: Wonderful.\n\nChannel 1: 76487.\n\nChannel 0: We...\n\nChannel 1: That's fine.\n\nChannel 0: Like\n\nChannel 1: 1\n\nChannel 0: I said.\n\nChannel 1: 20, maybe. Thank you.\n\nChannel 0: She\n\nChannel 1: That's\n\nChannel 0: has one\n\nChannel 1: not good.\n\nChannel 0: 20?\n\nChannel 1: Thanks. Have a good day. You know, $1.20 per week. Yes. I'm not 40.\n\nOkay. Yes. Yes.\n\nChannel 0: Sorry. I'm just having a little bit of trouble hearing you there. Did did you say you'd need 600 per week for your\n\nChannel 1: Yep. That's right.\n\nChannel 0: self only? Okay. That's okay. And with your superannuation, are you happy with the way it's\n\nChannel 1: Why\n\nChannel 0: traveling\n\nChannel 1: if you\n\nChannel 0: at\n\nChannel 1: have\n\nChannel 0: the moment?\n\nChannel 1: my deductible?\n\nChannel 0: Do you have any other goals or objectives\n\nChannel 1: So it's discount accepted?\n\nChannel 0: in relation to\n\nChannel 1: Yes. Yes. Thank you.. Hello?\n\nChannel 0: that? Hello? Yes? Sorry. I'm sorry.\n\nI wasn't sure if you're speaking with me. With your superannuation, do you have any other goals or objectives that you wanna achieve to... With your... With that? No.\n\nThat's okay. And you had your insurance goal as having adequate cover to protect your family. So that's still... Is that still applicable?\n\nChannel 1: Yeah. Yeah. I'll go. Okay.\n\nChannel 0: Yep. Okay. Alright. So what I'm gonna do, if that's the case, I'm just gonna send you through a quick email, which you'll receive. If you have...\n\nDo you have access to your emails at the moment? Yep. Okay. Wonderful. So you will get that from me, and it will come through...\n\nIt won't be a moment. I'm just getting it up so I can send that. It's gonna have\n\nChannel 1: Yeah.\n\nChannel 0: a... Our review pack in it for you. So it'll come from Odoo sign, and you'll need to click on the link that says sign documents. You're not\n\nChannel 1: Yep.\n\nChannel 0: signing anything at the moment. We're\n\nChannel 1: Yep.\n\nChannel 0: just gonna run through the the review pack to\n\nChannel 1: Of course.\n\nChannel 0: see where everything's sitting.\n\nChannel 1: Yes. Okay.\n\nChannel 0: So\n\nChannel 1: Hold\n\nChannel 0: you just\n\nChannel 1: on.\n\nChannel 0: let me know when you have that open.\n\nChannel 1: Yep. Just give me one second.\n\nChannel 0: Yeah. You're fine.\n\nChannel 1: Thanks, man. Yes, sir. I just received an email here.\n\nChannel 0: Wonderful. Thank you. Have you opened up the documents and got them in front of you?\n\nChannel 1: Yeah. Yeah. And I'm just trying to sign this here. It's opening\n\nChannel 0: Oh,\n\nChannel 1: up\n\nChannel 0: you\n\nChannel 1: on\n\nChannel 0: don't\n\nChannel 1: another plate.\n\nChannel 0: you don't need to sign anything just yet. We'll just... I'm just gonna... There's about six documents that we're just\n\nChannel 1: Yeah.\n\nChannel 0: gonna\n\nChannel 1: Yeah.\n\nChannel 0: talk through.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: The first one is just a summary of your superannuation insurance. So your superannuation is presently with Hub twenty four and valued at approximately $96,732.\n\nChannel 1: Yep.\n\nChannel 0: And you have your life, TPD, and income protection with a company called Encompass.\n\nChannel 1: Yep.\n\nChannel 0: And your life and TPD sum insured is 616,198 thousand each.\n\nChannel 1: Yep.\n\nChannel 0: And your income protection is $3,499 per month\n\nChannel 1: Yep.\n\nChannel 0: with a ninety day waiting period and a two year benefit period.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So when when I look at your your goal of ensuring that your family has adequate cover and you have adequate cover in place to protect your family, do you believe those figures are enough?\n\nChannel 1: Yeah. It should be good. Yeah.\n\nChannel 0: Yeah. Did you wanna look at reviewing them, or are you comfortable with those\n\nChannel 1: No.\n\nChannel 0: at\n\nChannel 1: No.\n\nChannel 0: this\n\nChannel 1: I'm\n\nChannel 0: time?\n\nChannel 1: I'm okay with this. Yeah. For now. Yeah.\n\nChannel 0: Yes. Okay. The other element of an insurance portfolio is trauma insurance, which covers you for a lump sum payment should you be diagnosed with a specific insurable\n\nChannel 1: Yep.\n\nChannel 0: illness. And that that insurance payable is tax free to you. It's a lump sum, and it's funded through your personal cash flow. And that the illnesses\n\nChannel 1: Alright.\n\nChannel 0: vary from cancer, heart attack, stroke, and some neurological diseases. Is that something\n\nChannel 1: Yep.\n\nChannel 0: that you wanted to look at, or you... Are\n\nChannel 1: For\n\nChannel 0: you\n\nChannel 1: now for now, honestly, I'm okay for now, but but maybe in\n\nChannel 0: no.\n\nChannel 1: the future for sure. Yeah.\n\nChannel 0: That's absolutely okay. That's... I just I just need to check to make sure that you're aware of what's available.\n\nChannel 1: Yep.\n\nChannel 0: The next document across is your hub twenty four performance portfolio.\n\nChannel 1: Yep.\n\nChannel 0: This is based on the last twelve months. So you'll see on the front page of that that there is a fund at the top called the Benelong Australian Equities Fund. Now\n\nChannel 1: Yeah.\n\nChannel 0: that is... You'll see has been an underperforming asset in the last twelve months, and that's due to Bennelong's investment mandate. So their their mandate follows that they identify undervalued companies within the Australian share market for growth opportunities.\n\nChannel 1: Yep.\n\nChannel 0: What that has meant for them is that in the last twelve months, it's been really the banks and the resource sector that have performed, so their mandate has not played out for them.\n\nChannel 1: Yep.\n\nChannel 0: What we've done is we don't... We're not reactive. We don't we don't reactively replace something without a systemic ongoing reason.\n\nChannel 1: Yep.\n\nChannel 0: So what we're doing at the moment now is due to the entire investment committee's in...\n\nChannel 1: Yep.\n\nChannel 0: Has reviewed it, and we are looking at replacing it with alternative for our clients should that be... Should there be an alternative that's appropriate. Are you... Is that something that you're happy for me to look at?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. Beautiful. And the other one that I wanted to look at in your portfolio is the third one down, the beta bank hybrid ETF.\n\nChannel 1: Yeah.\n\nChannel 0: No no issues with that in relation to performance in Carmel growth. The reason that I would like to look at investigating that a bit further is that from January 2027, the bank... Banking system in Australia is going to phase out bank hybrids. So rather\n\nChannel 1: Yep.\n\nChannel 0: than sit and wait and see what they're gonna be replaced with, I'd like to take more of a proactive approach to see if there's an alternative available because I I just don't know what it's gonna look like once they are phased out. So for me, taking a proactive approach in relation to that would be my preference if that's suitable for you.\n\nChannel 1: Yep. Okay. Yes.\n\nChannel 0: Yep. With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share market. You also have some battery and tech exposure, lithium, which has\n\nChannel 1: Yeah.\n\nChannel 0: performed really well in the last little while due to a lot of the instability in relation to the global\n\nChannel 1: Thank you. Bye bye.\n\nChannel 0: crisis with fuel. And you also have some gold exposure, which\n\nChannel 1: Yep.\n\nChannel 0: is a defensive part of your portfolio, so it reduces some of the the risk there. So in the last twelve months, the portfolio has only returned 3.37%,\n\nChannel 1: Yep.\n\nChannel 0: and that is due to the impact of that Bannalong fund because\n\nChannel 1: Yes.\n\nChannel 0: a significant amount of your funds are held there. So I am going to look to replace that if it's appropriate.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Any questions about that?\n\nChannel 1: I know this year wasn't pretty great. I mean, last year, I mean,\n\nChannel 0: No.\n\nChannel 1: you know, wasn't pretty good.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So...\n\nChannel 0: No. It hasn't been it hasn't been at all. There's been some volatility in the market as well within the last couple of weeks as well, so we expect this. But over time, the portfolios and markets do recover, which probably is a good segue into the next document, which is\n\nChannel 1: Yeah.\n\nChannel 0: the Vanguard index growth\n\nChannel 1: Sorry. I was looking.\n\nChannel 0: fund\n\nChannel 1: Again?\n\nChannel 0: or chart, I should say.\n\nChannel 1: Hello? Yeah.\n\nChannel 0: So you... You're currently invested as a balanced growth investor. Now what that\n\nChannel 1: Yep.\n\nChannel 0: invested in those top four funds down the right hand sector... Sorry, down the right hand column being US shares, Australian shares, international shares, and listed properties with the remaining 30% approximately invested in Australian bonds, international bonds, and cash. So you'll see over the long term that 70% approximately that we've got got invested in your gross assets will experience volatility. But over the long term, they produce... They're they're part of your portfolio that produces the growth, whereas the bottom two are your defensive allocations, which generally tend to produce more income as opposed to growth over the long term.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So in a balanced growth portfolio, you can expect an average annual return between six to 8%. And every one in six years, we would expect a negative return. Yeah. So you can see from you can see from the chart how the market operates.\n\nYou can also see how it reacts to certain events that occur globally. So across the top, you've got some some black writing, which\n\nChannel 1: Yep.\n\nChannel 0: which explain... Which outlines certain points in the last thirty odd years or so with where events have happened and how the market has reacted with that and then how it has responded post recovery.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yeah. So with a balanced growth portfolio, we...\n\nChannel 1: Yep.\n\nChannel 0: Our our recommendation is that you'd be invested for a minimum of five years to be able to withstand that volatility and those... The the fluctuations of the market. Does that make sense?\n\nChannel 1: Yeah. So... Yeah. So so you mean, like, we're we're still hanging on to that?\n\nChannel 0: Yeah. Yep. So if we're looking at it from your superannuation perspective, which we are, we are looking... So you are... You're born the same year as me.\n\nYou're 41 at the... Or turning 41.\n\nChannel 1: Not... Getting what you want. Yeah.\n\nChannel 0: Yeah. So, realistically, you have twenty years until you can access your superannuation funds for retirement. So you have time on your side to withstand market volatility. There's... Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So if you wanted to increase your level of growth, so increase your level of exposure to growth assets being that top four,\n\nChannel 1: Yep. Yep.\n\nChannel 0: you do have time on your side to do that. Obviously, you'll experience more fluctuations in the market,\n\nChannel 1: Yep.\n\nChannel 0: but you need to be comfortable with with that.\n\nChannel 1: The chain... With the chain rule.\n\nChannel 0: Yeah. Yeah. So that's something that we can talk about if you if you wish to. Or if you wanna hold and wait for another twelve months, we can do that and always revisit the conversation in twelve months' time at your next review.\n\nChannel 1: Yeah. We'll do it next time. Yeah. That's fine.\n\nChannel 0: Yep. Okay. That's absolutely fine. The next document is your certificate of currency for your insurance. So this this document is just a information piece for yourself to show you that your insurances are enforced.\n\nChannel 1: Yep.\n\nChannel 0: They're paid through your super fund and that that will continue as long as we... The superannuation fund pays for them.\n\nChannel 1: Yep.\n\nChannel 0: The next document is our financial services guide. This is a legal document that we need to provide our clients with.\n\nChannel 1: Yep.\n\nChannel 0: They... It explains to you who we are, who we're licensed through, what type of advice we can provide and how we provide this as\n\nChannel 1: Yep.\n\nChannel 0: well as an overview of our fees and the complaints process should you ever need to go down that path.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yeah. The next document is the ongoing... Your consent to the ongoing adviser fee. What this is is it is a document that does require your signature if you're happy to remain a client of Oakview Financial\n\nChannel 1: Yeah.\n\nChannel 0: and receive advice. It's a fixed fee at $1,675.88 per annum, which is then divided monthly and paid monthly over a twelve month period, which equates to a $139.66 per month. And that's deducted from your superannuation funds monthly.\n\nChannel 1: Oh, okay. Yep. No no\n\nChannel 0: Yep.\n\nChannel 1: discount. It's time for us. Because the market... I mean, I'm not\n\nChannel 0: Well...\n\nChannel 1: trying to bargain or anything, but, like, you know... No. I'm just asking.\n\nChannel 0: Yes.\n\nChannel 1: Like, I don't know if you... I don't know. You guys are doing it because I heard some... One of my other friend, he said, you know, like, he's not with Oakview, but he's with another company, I think, MLC or something, he told me.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: They were the... They they were the... Yep. I mean, I'm just asking. Right?\n\nChannel 0: So... No. That... That's absolutely fine and a valid question. So what we've done recently is we've actually changed our fee structure.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: what that means is you used to be on a percent based fee. So what that would mean is if the market was performing badly or the portfolio was down,\n\nChannel 1: Yep.\n\nChannel 0: you would pay a lesser fee. And if the portfolio\n\nChannel 1: Yep.\n\nChannel 0: was performing well and the markets were up, you would pay more. So\n\nChannel 1: Yeah.\n\nChannel 0: what we've done is we've changed it to a fixed flex fee for twelve\n\nChannel 1: Yep.\n\nChannel 0: months. So regardless of whether your portfolio performs well or not, we're not getting... We're not benefiting from the fact that your portfolio is performing well. That\n\nChannel 1: Yeah.\n\nChannel 0: fee is simply designed to cover the expenses of conducting your annual reviews and and implementing and providing any further advice needed following this call, which is those investment changes that we've talked about. So\n\nChannel 1: Okay.\n\nChannel 0: we have we have changed the fee to be more transparent for clients and also that, you know, we don't... The fee isn't going to increase if you have a good month and the market does well within your superannuation fund. It's just a flat fee for twelve months.\n\nChannel 1: Oh, okay. Yep. No. That's... Yeah.\n\nChannel 0: Yeah. So if you if you do... And and in paying that fee well, you're not limited to only having your annual review. If any issues come up or you need to seek further advice, you\n\nChannel 1: Yeah.\n\nChannel 0: are you are free to contact us at any time. You do not need to wait for your annual review. You just contact us, and and we go from there.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: And then the final document there that also requires your signature is your confirmation that we... That you're comfortable with us holding your tax file number. So we hold your tax file number on file as when we set up your superannuation fund, it was disclosed to them to ensure that you didn't get taxed higher in your superannuation fund.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: that's just you signing that off to say that you understand that we do hold it on file for you.\n\nChannel 1: Yep. Okay. Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Let's\n\nChannel 0: if\n\nChannel 1: find.\n\nChannel 0: you... Yeah. So those last two documents do require signing if you're comfortable to do so and stay on board as a client, which we hope you do. But what what I would like to do is review the portfolio for those two investments we spoke about,\n\nChannel 1: Yes.\n\nChannel 0: and we will send through a document in the next week or so that will go over that for us to allow... For you to review and allow us to make those changes on your behalf.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yeah?\n\nChannel 1: I've already\n\nChannel 0: Is\n\nChannel 1: signed\n\nChannel 0: that\n\nChannel 1: I've\n\nChannel 0: okay?\n\nChannel 1: already signed... Yeah. Yeah. I've already signed them for you.\n\nChannel 0: Fantastic. Thank you. Do you have any questions for me while I've got you on the phone?\n\nChannel 1: No. No. Nothing. It's all good.\n\nChannel 0: No? You're happy... And you're happy to stay within your reviews, or would you like them more\n\nChannel 1: No. That's fine. You know, if anything changes, you'll update me anyway. So, you know, if any massive changes coming.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But with my\n\nChannel 0: And\n\nChannel 1: investment property, it's the only one that I'm waiting on. But if something changes in the future, you know, I'll give you a callback here.\n\nChannel 0: fantastic. And just before I let you go, then Carter, I just wanted to flag with you that I have noticed on your superannuation and in your insurance policies that you do not have any beneficiary nominations, funds will\n\nChannel 1: Oh, okay.\n\nChannel 0: be\n\nChannel 1: You can\n\nChannel 0: paid\n\nChannel 1: you\n\nChannel 0: to.\n\nChannel 1: can put my daughter. That's\n\nChannel 0: Okay.\n\nChannel 1: fine. Yeah.\n\nChannel 0: So what that means is that upon something happening to you, you're you're passing,\n\nChannel 1: Yeah.\n\nChannel 0: it's who the funds will be paid\n\nChannel 1: Yes.\n\nChannel 0: to. Did you want to nominate your wife or your your daughter or...\n\nChannel 1: Yeah. Anybody. It doesn't matter. Yeah. So my wife is okay.\n\nYeah.\n\nChannel 0: Yeah. So you want your wife... I need you to tell me who you want who want to\n\nChannel 1: Yeah.\n\nChannel 0: nominate.\n\nChannel 1: Yeah. That's fine. Yeah. My wife is okay. Yeah.\n\nI can put\n\nChannel 0: Okay.\n\nChannel 1: her name. Yes.\n\nChannel 0: Yep. So what we'll do is... Do you have access to a printer, or would you like me to post these out?\n\nChannel 1: I have a printer on on on with me. Yeah.\n\nChannel 0: Yes. Because I can print... I can email them to you. You can print them\n\nChannel 1: Yep.\n\nChannel 0: and sign them. You will need two witnesses to sign them, and it cannot be your wife because she's a beneficiary.\n\nChannel 1: Yep.\n\nChannel 0: So it'd be happy\n\nChannel 1: Yep.\n\nChannel 0: to be two other individuals. And then you can email them back to us, and we'll make sure that they're put in place.\n\nChannel 1: Yeah. Okay. Yeah. That's fine. Yep.\n\nChannel 0: Fantastic. Alright. Well, we... I'll get those prefilled. Do you have your...\n\nDo you know your wife's date of birth?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: If you can give that to me, I'll get the forms prefilled for you so then you can... You don't have to fill them out.\n\nChannel 1: Yep. Yep. 12/05/1987.\n\nChannel 0: So the 05/12/1987.\n\nChannel 1: Yeah. That's right. Yeah.\n\nChannel 0: And then just one last question with that. There's two\n\nChannel 1: Yeah.\n\nChannel 0: types of nominations. You can have one that lapses and that you've gotta sign and renew every three years, or you can\n\nChannel 1: Yep.\n\nChannel 0: have one that does not lapse and is only updated when you complete a new form. Which one would you prefer?\n\nChannel 1: Up to you. I don't know. Like, whatever whatever is easier. That's fine. Three years, we'll go three years.\n\nYeah.\n\nChannel 0: It... You... So just review every three years?\n\nChannel 1: Yeah. Every three years. Yeah. That's... Yeah.\n\nChannel 0: Okay. Fantastic. Well, I'll get those forms sent out to you. And,\n\nChannel 1: Yep.\n\nChannel 0: in the... And if you... Anything ever comes up and you need to discuss it further, please reach out. But, otherwise, I look forward to speaking to you again at our next review.\n\nChannel 1: Yep. Done. Done. All good. Yeah.\n\nThank you, Yanna.\n\nChannel 0: Thank you so much for your time. Enjoy your afternoon.\n\nChannel 1: Good. Thank you. Bye bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Thank you very much.","start":0.88,"end":2.02,"sentiment":"positive","sentiment_score":0.6014152020215988},{"text":"How's that?","start":2.32,"end":3.22,"sentiment":"neutral","sentiment_score":0.24576370418071747}],"sentiment":"positive","sentiment_score":0.48286470274130505,"channel":1,"num_words":6,"start":0.88,"end":3.22},{"sentences":[{"text":"Hi, Venkata.","start":4.72,"end":5.7,"sentiment":"neutral","sentiment_score":0.10386931523680687},{"text":"It's Jenna Phoning from Oakview 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companies within the Australian share market for growth opportunities.","start":790.10504,"end":799.72,"sentiment":"neutral","sentiment_score":-0.037434107520514064}],"sentiment":"neutral","sentiment_score":-0.061268310874509506,"channel":0,"num_words":39,"start":779.625,"end":799.72},{"sentences":[{"text":"Yep.","start":800.46,"end":800.96,"sentiment":"neutral","sentiment_score":-0.024237509816884995}],"sentiment":"neutral","sentiment_score":-0.024237509816884995,"channel":1,"num_words":1,"start":800.46,"end":800.96},{"sentences":[{"text":"What that has meant for them is that in the last twelve months, it's been really the banks and the resource sector that have performed, so their mandate has not played out for 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happy for me to look at?","start":841.27496,"end":843.77496,"sentiment":"neutral","sentiment_score":0.06621353260495445}],"sentiment":"neutral","sentiment_score":0.0032109219678922705,"channel":0,"num_words":38,"start":832.16,"end":843.77496},{"sentences":[{"text":"Yeah.","start":844.155,"end":844.395,"sentiment":"neutral","sentiment_score":0.10276511311531068},{"text":"Yeah.","start":844.395,"end":844.895,"sentiment":"neutral","sentiment_score":0.15109258890151978}],"sentiment":"neutral","sentiment_score":0.12692885100841522,"channel":1,"num_words":2,"start":844.155,"end":844.895},{"sentences":[{"text":"Yes.","start":845.515,"end":845.755,"sentiment":"neutral","sentiment_score":0.254912793636322},{"text":"Beautiful.","start":845.755,"end":846.255,"sentiment":"neutral","sentiment_score":0.06237352639436722},{"text":"And the other one that I wanted to look at in your portfolio is the third one down, the beta bank hybrid ETF.","start":846.635,"end":853.535,"sentiment":"neutral","sentiment_score":0.07799665759439053}],"sentiment":"neutral","sentiment_score":0.08444837778806687,"channel":0,"num_words":25,"start":845.515,"end":853.535},{"sentences":[{"text":"Yeah.","start":854.19995,"end":854.69995,"sentiment":"neutral","sentiment_score":0.15377873182296753}],"sentiment":"neutral","sentiment_score":0.15377873182296753,"channel":1,"num_words":1,"start":854.19995,"end":854.69995},{"sentences":[{"text":"No no issues with that in relation to performance in Carmel growth.","start":854.66,"end":858.98,"sentiment":"neutral","sentiment_score":0.09260159948219855},{"text":"The reason that I would like to look at investigating that a bit further is that from January 2027, the bank...","start":858.98,"end":868.40497,"sentiment":"neutral","sentiment_score":0.016636292317083905},{"text":"Banking system in Australia is going to phase out bank hybrids.","start":868.705,"end":873.445,"sentiment":"neutral","sentiment_score":-0.03669030862775716},{"text":"So rather","start":873.90497,"end":874.545,"sentiment":"neutral","sentiment_score":0.03148670122027397}],"sentiment":"neutral","sentiment_score":0.02434698565174704,"channel":0,"num_words":46,"start":854.66,"end":874.545},{"sentences":[{"text":"Yep.","start":874.345,"end":874.845,"sentiment":"neutral","sentiment_score":0.050422705709934235}],"sentiment":"neutral","sentiment_score":0.050422705709934235,"channel":1,"num_words":1,"start":874.345,"end":874.845},{"sentences":[{"text":"than sit and wait and see what they're gonna be replaced with, I'd like to take more of a proactive approach to see if there's an alternative available because I I just don't know what it's gonna look like once they are phased out.","start":874.545,"end":885.67,"sentiment":"neutral","sentiment_score":0.030400537377731365},{"text":"So for me, taking a proactive approach in relation to that would be my preference if that's suitable for you.","start":885.97,"end":894.07,"sentiment":"neutral","sentiment_score":0.20813553482294084}],"sentiment":"neutral","sentiment_score":0.08594272407935932,"channel":0,"num_words":64,"start":874.545,"end":894.07},{"sentences":[{"text":"Yep.","start":893.82,"end":894.32,"sentiment":"neutral","sentiment_score":0.13284516334533691},{"text":"Okay.","start":894.54004,"end":894.94,"sentiment":"neutral","sentiment_score":0.1316869854927063},{"text":"Yes.","start":894.94,"end":895.44,"sentiment":"neutral","sentiment_score":0.16491973400115967}],"sentiment":"neutral","sentiment_score":0.14315062761306763,"channel":1,"num_words":3,"start":893.82,"end":895.44},{"sentences":[{"text":"Yep.","start":895.97,"end":896.47,"sentiment":"neutral","sentiment_score":0.1752406358718872},{"text":"With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share 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you.","start":919.5,"end":919.82,"sentiment":"positive","sentiment_score":0.534905731678009},{"text":"Bye bye.","start":919.82,"end":920.48004,"sentiment":"neutral","sentiment_score":0.2848711907863617}],"sentiment":"positive","sentiment_score":0.40988846123218536,"channel":1,"num_words":4,"start":919.5,"end":920.48004},{"sentences":[{"text":"crisis with fuel.","start":920.02,"end":921.8,"sentiment":"neutral","sentiment_score":0.1031348134080569},{"text":"And you also have some gold exposure, which","start":923.22003,"end":926.115,"sentiment":"neutral","sentiment_score":0.2150705512613058}],"sentiment":"neutral","sentiment_score":0.1845426227558743,"channel":0,"num_words":11,"start":920.02,"end":926.115},{"sentences":[{"text":"Yep.","start":925.965,"end":926.465,"sentiment":"positive","sentiment_score":0.343144029378891}],"sentiment":"positive","sentiment_score":0.343144029378891,"channel":1,"num_words":1,"start":925.965,"end":926.465},{"sentences":[{"text":"is a defensive part of your 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appropriate.","start":947.11,"end":951.61,"sentiment":"neutral","sentiment_score":0.10492829109231631}],"sentiment":"neutral","sentiment_score":0.1419623369971911,"channel":0,"num_words":21,"start":944.23,"end":951.61},{"sentences":[{"text":"Yep.","start":952.66504,"end":953.065,"sentiment":"neutral","sentiment_score":0.05748942494392395},{"text":"Okay.","start":953.065,"end":953.565,"sentiment":"neutral","sentiment_score":0.05631644278764725},{"text":"Yep.","start":953.625,"end":954.125,"sentiment":"neutral","sentiment_score":0.03930608183145523}],"sentiment":"neutral","sentiment_score":0.05103731652100881,"channel":1,"num_words":3,"start":952.66504,"end":954.125},{"sentences":[{"text":"Any questions about that?","start":955.125,"end":956.665,"sentiment":"neutral","sentiment_score":0.022213037125766277}],"sentiment":"neutral","sentiment_score":0.022213037125766277,"channel":0,"num_words":4,"start":955.125,"end":956.665},{"sentences":[{"text":"I know this year wasn't pretty 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that","start":997.095,"end":998.15497,"sentiment":"neutral","sentiment_score":0.06290510793526967}],"sentiment":"neutral","sentiment_score":0.08752902840765622,"channel":0,"num_words":13,"start":992.77496,"end":998.15497},{"sentences":[{"text":"Yep.","start":1001.73004,"end":1002.23004,"sentiment":"neutral","sentiment_score":0.06801334023475647}],"sentiment":"neutral","sentiment_score":0.06801334023475647,"channel":1,"num_words":1,"start":1001.73004,"end":1002.23004},{"sentences":[{"text":"invested in those top four funds down the right hand sector...","start":1014.425,"end":1019.625,"sentiment":"neutral","sentiment_score":0.05791141092777252},{"text":"Sorry, down the right hand column being US shares, Australian shares, international shares, and listed properties with the remaining 30% approximately invested in Australian bonds, international bonds, and cash.","start":1019.625,"end":1033.92,"sentiment":"neutral","sentiment_score":-0.012439885433634808},{"text":"So you'll see over the long term that 70% approximately that we've got got invested in your gross assets will experience volatility.","start":1034.3,"end":1044.935,"sentiment":"neutral","sentiment_score":-0.021240203133360905},{"text":"But over the long term, they produce...","start":1046.275,"end":1048.675,"sentiment":"neutral","sentiment_score":-0.0453464612364769},{"text":"They're they're part of your portfolio that produces the growth, whereas the bottom two are your defensive allocations, which generally tend to produce more income as opposed to growth over the long 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They provide information on various insurance portfolios and recommend taking proactive measures in the face of volatility in the market. The fee structure is designed to cover expenses and provide advice for investment changes, and is a fixed fee for 12 months. The customer is advised to sign documents and update them at any time."},"intents":{"segments":[{"text":"And can I please ask you to confirm your full name, date of birth, and address? Yeah.","start_word":69,"end_word":85,"intents":[{"intent":"Confirm details","confidence_score":0.02593427}]},{"text":"And same surname? Yeah.","start_word":335,"end_word":338,"intents":[{"intent":"Confirm personal information","confidence_score":0.017201684}]},{"text":"And what is her contact number?","start_word":377,"end_word":382,"intents":[{"intent":"Confirm contact number","confidence_score":0.05817785}]},{"text":"And we have you noted as having one dependent. Is that Yes, correct? ma'am.","start_word":411,"end_word":424,"intents":[{"intent":"Represent dependent","confidence_score":0.0006171265}]},{"text":"What's her name?","start_word":440,"end_word":442,"intents":[{"intent":"Identify person","confidence_score":0.0019880868}]},{"text":"So I've got your occupation down here as a business owner of a petrol station. Is that still correct? That's right.","start_word":477,"end_word":497,"intents":[{"intent":"Confirm status","confidence_score":0.002192546},{"intent":"Confirm occupation","confidence_score":0.15443553}]},{"text":"And we've got We'd your like income to come as 60 and speak... thousand. Is that correct? Yeah.","start_word":528,"end_word":545,"intents":[{"intent":"Confirm income","confidence_score":0.4328789},{"intent":"Confirm income and employer","confidence_score":0.0000013777938}]},{"text":"And I have your expenditure here as $1,500 per week. Would that still be correct? Yep.","start_word":608,"end_word":623,"intents":[{"intent":"Inquire about financial expenditure","confidence_score":0.000016700262}]},{"text":"What How's would it be going?. the mortgage repayment?","start_word":636,"end_word":644,"intents":[{"intent":"Determine purpose of the call","confidence_score":0.0020067266}]},{"text":"Do you know how much your mortgage repayment would be? Around 3,200?","start_word":691,"end_word":702,"intents":[{"intent":"Determine mortgage repayment amount","confidence_score":0.013912291}]},{"text":"Like a savings.","start_word":724,"end_word":726,"intents":[{"intent":"Determine regular savings","confidence_score":0.34699777}]},{"text":"And we have your home here valued at 850,000 with a debt of 520,000. Is that accurate? Yeah.","start_word":751,"end_word":768,"intents":[{"intent":"Determine property valuation","confidence_score":0.002794723}]},{"text":"Are you still looking at purchasing an investment property? Yes, ma'am.","start_word":911,"end_word":921,"intents":[{"intent":"Determine eligibility for investment property purchase","confidence_score":0.000588848}]},{"text":"With regards to your retirement, you've said that you'd like to retire comfortably and travel around the world. Yeah.","start_word":955,"end_word":973,"intents":[{"intent":"Retire comfortably","confidence_score":0.20377581}]},{"text":"And what... And how much would you need per week in retirement if you were debt free?","start_word":1006,"end_word":1022,"intents":[{"intent":"Calculate retirement requirements","confidence_score":0.00043238324}]},{"text":"So what I'm gonna do, if that's the case, I'm just gonna send you through a quick email, which you'll receive.","start_word":1264,"end_word":1284,"intents":[{"intent":"Send review pack","confidence_score":0.17966537}]},{"text":"Yep. Okay.","start_word":1297,"end_word":1298,"intents":[{"intent":"Access emails","confidence_score":0.023080338}]},{"text":"Have you opened up the documents and got them in front of you?","start_word":1419,"end_word":1431,"intents":[{"intent":"Obtain documents","confidence_score":0.0046679527},{"intent":"Confirm documents","confidence_score":0.0019740476}]},{"text":"So when when I look at your your goal of ensuring that your family has adequate cover and you have adequate cover in place to protect your family, do you believe those figures are enough? Yeah.","start_word":1554,"end_word":1589,"intents":[{"intent":"Determine insurance coverage","confidence_score":0.001999358}]},{"text":"Did you wanna look at reviewing them, or are you comfortable with those No.","start_word":1597,"end_word":1610,"intents":[{"intent":"Review portfolios","confidence_score":0.04215113}]},{"text":"That's... I just I just need to check to make sure that you're aware of what's available. Yep.","start_word":1726,"end_word":1743,"intents":[{"intent":"Check availability","confidence_score":0.011201198}]},{"text":"And the other one that I wanted to look at in your portfolio is the third one down, the beta bank hybrid ETF. Yeah.","start_word":1946,"end_word":1969,"intents":[{"intent":"Investigate portfolio performance","confidence_score":0.06067141},{"intent":"Evaluate portfolio performance","confidence_score":0.52609867},{"intent":"Evaluate portfolio performance","confidence_score":0.14706391},{"intent":"Evaluate portfolio performance","confidence_score":0.09007329},{"intent":"Evaluate portfolio performance","confidence_score":0.19287118},{"intent":"Evaluate portfolio performance","confidence_score":0.15278527}]},{"text":"than sit and wait and see what they're gonna be replaced with, I'd like to take more of a proactive approach to see if there's an alternative available because I I just don't know what it's gonna look like once they are phased out.","start_word":2016,"end_word":2059,"intents":[{"intent":"Evaluate alternative options","confidence_score":0.09083642}]},{"text":"With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share market. You also have some battery and tech exposure, lithium, which has Yeah.","start_word":2084,"end_word":2119,"intents":[{"intent":"Evaluate portfolio exposure","confidence_score":0.17202409}]},{"text":"With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share market. You also have some battery and tech exposure, lithium, which has Yeah. performed really well in the last little while due to a lot of the instability in relation to the global Thank you.","start_word":2084,"end_word":2141,"intents":[{"intent":"Evaluate portfolio strength","confidence_score":0.0002782404}]},{"text":"There's been some volatility in the market as well within the last couple of weeks as well, so we expect this.","start_word":2257,"end_word":2277,"intents":[{"intent":"Evaluate portfolio volatility","confidence_score":0.090801105}]},{"text":"So you... You're currently invested as a balanced growth investor. Now what that Yep.","start_word":2318,"end_word":2331,"intents":[{"intent":"Evaluate portfolio balance","confidence_score":0.00077752024}]},{"text":"So if you wanted to increase your level of growth, so increase your level of exposure to growth assets being that top four, Yep.","start_word":2675,"end_word":2698,"intents":[{"intent":"Increase growth and exposure","confidence_score":0.043487974}]},{"text":"So that's something that we can talk about if you if you wish to. Or if you wanna hold and wait for another twelve months, we can do that and always revisit the conversation in twelve months' time at your next review. Yeah.","start_word":2735,"end_word":2777,"intents":[{"intent":"Review future conversation","confidence_score":0.00012029646},{"intent":"Inquire about current plan","confidence_score":0.00001768243}]},{"text":"The next document is your certificate of currency for your insurance. So this this document is just a information piece for yourself to show you that your insurances are enforced. Yep.","start_word":2791,"end_word":2821,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.008200123}]},{"text":"The next document is our financial services guide. This is a legal document that we need to provide our clients with. Yep.","start_word":2844,"end_word":2865,"intents":[{"intent":"Provide insurance guide","confidence_score":0.0020888261}]},{"text":"The next document is our financial services guide. This is a legal document that we need to provide our clients with. Yep. They... It explains to you who we are, who we're licensed through, what type of advice we can provide and how we provide this as Yep. well as an overview of our fees and the complaints process should you ever need to go down that path. Okay. Yep.","start_word":2844,"end_word":2913,"intents":[{"intent":"Offer advice","confidence_score":0.0009170935}]},{"text":"The next document is the ongoing... Your consent to the ongoing adviser fee.","start_word":2916,"end_word":2928,"intents":[{"intent":"Confirm current plan","confidence_score":0.000041592342}]},{"text":"It's a fixed fee at $1,675.88 per annum, which is then divided monthly and paid monthly over a twelve month period, which equates to a $139.66 per month. And that's deducted from your superannuation funds monthly. Oh, okay.","start_word":2956,"end_word":2993,"intents":[{"intent":"Determine fee structure","confidence_score":0.0010288418}]},{"text":"So what we've done recently is we've actually changed our fee structure. So Yep.","start_word":3097,"end_word":3110,"intents":[{"intent":"Change fee structure","confidence_score":0.4989211},{"intent":"Clarify fee structure","confidence_score":0.2646086},{"intent":"Clarify fee structure","confidence_score":0.31063157},{"intent":"Clarify fee structure","confidence_score":0.3840874},{"intent":"Clarify fee structure","confidence_score":0.38838843},{"intent":"Clarify fee structure","confidence_score":0.38154426},{"intent":"Clarify fee structure","confidence_score":0.35749605},{"intent":"Clarify fee structure","confidence_score":0.32595432}]},{"text":"So what we've done recently is we've actually changed our fee structure. So Yep. what that means is you used to be on a percent based fee. So what that would mean is if the market was performing badly or the portfolio was down, Yep. you would pay a lesser fee. And if the portfolio Yep. was performing well and the markets were up, you would pay more. So Yeah.","start_word":3097,"end_word":3166,"intents":[{"intent":"Address investment performance","confidence_score":0.000001373901},{"intent":"Clarify fee price","confidence_score":0.00010942019},{"intent":"Explain fee structure","confidence_score":0.03834161}]},{"text":"fee is simply designed to cover the expenses of conducting your annual reviews and and implementing and providing any further advice needed following this call, which is those investment changes that we've talked about. So Okay.","start_word":3210,"end_word":3245,"intents":[{"intent":"Provide portfolio recommendations","confidence_score":0.000024563862}]},{"text":"are you are free to contact us at any time. You do not need to wait for your annual review. You just contact us, and and we go from there. Yep.","start_word":3338,"end_word":3368,"intents":[{"intent":"Offer further advice","confidence_score":0.0061926832}]},{"text":"But what what I would like to do is review the portfolio for those two investments we spoke about, Yes.","start_word":3492,"end_word":3511,"intents":[{"intent":"Review portfolio","confidence_score":0.06880155}]},{"text":"If you can give that to me, I'll get the forms prefilled for you so then you can... You don't have to fill them out. Yep.","start_word":3928,"end_word":3953,"intents":[{"intent":"Request form submission","confidence_score":0.016911916}]}]},"sentiments":{"segments":[{"text":"Thank you very much.","start_word":0,"end_word":3,"sentiment":"positive","sentiment_score":0.5974410772323608},{"text":"How's that? Hi, Venkata. It's Jenna Phoning from Oakview Financial.","start_word":4,"end_word":13,"sentiment":"neutral","sentiment_score":0.1378994733095169},{"text":"Good. Good, How Jenna.","start_word":14,"end_word":17,"sentiment":"positive","sentiment_score":0.4472178816795349},{"text":"are you How are today? you?","start_word":18,"end_word":23,"sentiment":"neutral","sentiment_score":0.25907474756240845},{"text":"Good. Good. I'm Good. Thank well. you. That's good.","start_word":24,"end_word":32,"sentiment":"positive","sentiment_score":0.48504799604415894},{"text":"Just before I go any further, I just need to let you know that our calls are corded... Recorded for quality and coaching purposes. Is that Yeah. okay? Yeah. Yeah. Yeah. All good. Yes. Yeah.","start_word":33,"end_word":67,"sentiment":"neutral","sentiment_score":0.05575165897607803},{"text":"Fantastic.","start_word":68,"end_word":68,"sentiment":"positive","sentiment_score":0.3679773211479187},{"text":"And can I please ask you to confirm your full name, date of birth, and address? Yeah. Sure. First name is Vankata, v n k a t a. Last name is Kavuluru, k a v u l u r u. My date of birth is twenty five twelve nineteen eighty five. My address is 46 Acuras Drive, Calcutta, Victoria 30 Thank 64. you. Thank you so much for confirming that. I No. appreciate All good. Yeah. it. So do you have some time today to Yeah. run through Yeah. your Yeah. Yeah. annual review? Yeah. All Fantastic. good. Yeah. That's great. Before I start or go through the process, what I'd like to do, first of all, is ask if there's been any significant changes to your personal or financial situation that we need to Nothing. be aware Nothing. of? No. No. All good. Yeah.. No. Okay. Alright. So the purpose of this review is for myself Okay. just to go through the information in relation to what we have on file to make sure that it is current and up to date. Additionally, I will then send you an email to your email address that will provide you with a review pack, which will run through and identify Yeah. if we need to make any changes or Yeah. Sure, man. further advice. Is that okay? Yeah. Yeah. All good, man. Yeah. Lovely. Alright. I have your name down here as Nada. Is that correct? Sorry. Who's that, ma'am? My my wife. Yeah? Yes. Your wife. Sorry. Yes. Yeah. Naga, n a g a. Yeah. Okay. And same surname? Yeah. Y e l e. Yeah. She she didn't change it yet on the passport, so I Oh, better okay. So keep... sorry. Yeah. What what was that again? Y e l e. Y e l e? Yep. Okay. And what is her contact number? Because we'll... Yep. We have her noted as your next of kin. Oh, okay. Yeah. 044, Yes. 88, Yes. 428 Yep. 29. Yep. 29.","start_word":69,"end_word":406,"sentiment":"neutral","sentiment_score":0.026582419213572975},{"text":"Thank you very much.","start_word":407,"end_word":410,"sentiment":"positive","sentiment_score":0.5503250956535339},{"text":"And we have you noted as having one dependent. Is that Yes, correct? ma'am. Yeah. Only one. Yeah. My my daughter. Yes. Yeah. Six years old. Yeah. Oh, lovely. What's her name? Shreya, s h r e y a. R e y a. And she's six, you said? Yeah. Six years. Oh, yeah. Yes.","start_word":411,"end_word":464,"sentiment":"neutral","sentiment_score":0.05108123645186424},{"text":"Oh, lovely. Such Thanks.","start_word":465,"end_word":468,"sentiment":"positive","sentiment_score":0.48585906624794006},{"text":"a good age, that is. Yeah. Okay. Yep. So I've got your occupation down here as a business owner of a petrol station. Is that still correct? That's right. Lovely. And your employer name is SHLPA Petroleum Proprietary Limited Yep. Yeah. That's right. Yeah. and full time? That's fine? Yes. Yeah. I'm okay now. Okay. Yeah. Thank you. Yes. And we've got We'd your like income to come as 60 and speak... thousand. Is that correct? Yeah. That's fine. Yeah. Yeah. And that's what you pay yourself through the business? Yeah. And you do... And you you pay superannuation as well to Actually, yourself? I started paying as of this year. I mean, this financial Okay. year, but we didn't pay any last year. Yep. Okay. Thanks. So you've just started doing the 12%. Is that Yeah. right? Okay. And I have your expenditure here as $1,500 per week. Would that still be correct? Yep. Yeah. Does that include the mortgage repayment?","start_word":469,"end_word":630,"sentiment":"neutral","sentiment_score":0.05429543058077494},{"text":"Awesome.","start_word":631,"end_word":631,"sentiment":"positive","sentiment_score":0.3559502363204956},{"text":"Oh, no. Yeah. No. What How's would it be going?. the mortgage repayment? Alright. One sec........... Of course. I'm trying to get our our our spare flex. Yep. 30. No. You're fine. Okay. It keeps popping.","start_word":632,"end_word":667,"sentiment":"neutral","sentiment_score":0.021885521709918976},{"text":"Thank you very much.","start_word":668,"end_word":671,"sentiment":"positive","sentiment_score":0.5342488884925842},{"text":"Okay. Enjoy the day.... Oh, yeah. That's right. I need to go. Yeah. No. You're absolutely fine.","start_word":672,"end_word":688,"sentiment":"neutral","sentiment_score":0.14481373131275177},{"text":"Thank you.","start_word":689,"end_word":690,"sentiment":"positive","sentiment_score":0.4010756909847259},{"text":"Do you know how much your mortgage repayment would be? Around 3,200? 3,200 a month? Yep. Yeah. And do you have any... Do you do any regular savings per week or per month? Like a savings. Yeah. Yeah. How how Yeah. much would you say? I don't... I I keep for myself around $300 a week, honestly. Yep.","start_word":691,"end_word":748,"sentiment":"neutral","sentiment_score":0.014714114367961884},{"text":"That's great.","start_word":749,"end_word":750,"sentiment":"positive","sentiment_score":0.4978671669960022},{"text":"And we have your home here valued at 850,000 with a debt of 520,000. Is that accurate? Yeah. That's fine, ma'am. Yeah. K. Any other assets or liabilities No, that ma'am. you can think No. of? No. Nothing. No. Yeah. That's pretty much... And I don't have any cards or anything. So... Okay. No worries at all. And do you have a will or power of attorney? No. No. No. And are you a tax resident in any other country? No, ma'am. No. Only just here. No. Okay. Beautiful. With... I just wanna spend a little bit of time going through your goals, if that's Yep. okay, for the ones that we had on file for you. Yep. Is... One one of the first ones was that you wanted to work towards buying an investment property and to start contributing to super to help it Yep. grow. So Yes. I note that you said you've started contributing super. Yep. Yep. Are you still looking at purchasing an investment property? Yes, ma'am. But because of this negative hearing, I... Not at the moment, but I have I have plan to hear if something changes in the future here. Yeah. Okay. That's completely understandable. Yeah. With regards to your retirement, you've said that you'd like to retire comfortably and travel around the world. Yeah. Just That's right. to dig a little bit deeper on that, what age Yep. are Goodbye. you wanting No problem. to retire? Bye. Sixty two two. Yep. 622. 60 Yep. 62. Yeah? Yep. And what... And how much would you need per week in retirement if you were debt free? I'm... Do you wanna be debt free in retirement? I guess that's probably one of Thank you. Maybe $5,600. the questions. Yep. Is that just for yourself or for your wife as well? Okay. And does your wife have superannuation that she will axe... Will be able to... Will be... Use... Will... You'll be able to use to fund your retirement? Yeah. Yeah. Yep. 4 Wonderful. 76487. We... That's fine. Like 1 I said. 20, maybe. Thank you. She That's has one not good. 20? Thanks. Have a good day. You know, $1.20 per week. Yes. I'm not 40. Okay. Yes. Yes. Sorry. I'm just having a little bit of trouble hearing you there. Did did you say you'd need 600 per week for your Yep. That's right. self only? Okay. That's okay. And with your superannuation, are you happy with the way it's Why traveling if you at have the moment? my deductible? Do you have any other goals or objectives So it's discount accepted? in relation to Yes. Yes. Thank you.. Hello? that? Hello? Yes? Sorry. I'm sorry. I wasn't sure if you're speaking with me. With your superannuation, do you have any other goals or objectives that you wanna achieve to... With your... With that? No. That's okay. And you had your insurance goal as having adequate cover to protect your family. So that's still... Is that still applicable? Yeah. Yeah. I'll go. Okay. Yep. Okay. Alright. So what I'm gonna do, if that's the case, I'm just gonna send you through a quick email, which you'll receive. If you have... Do you have access to your emails at the moment? Yep. Okay.","start_word":751,"end_word":1298,"sentiment":"neutral","sentiment_score":0.013174102151338149},{"text":"Wonderful.","start_word":1299,"end_word":1299,"sentiment":"positive","sentiment_score":0.6055163145065308},{"text":"So you will get that from me, and it will come through... It won't be a moment. I'm just getting it up so I can send that. It's gonna have Yeah. a... Our review pack in it for you. So it'll come from Odoo sign, and you'll need to click on the link that says sign documents. You're not Yep. signing anything at the moment. We're Yep. just gonna run through the the review pack to Of course. see where everything's sitting. Yes. Okay. So Hold you just on. let me know when you have that open. Yep. Just give me one second. Yeah. You're fine.","start_word":1300,"end_word":1405,"sentiment":"neutral","sentiment_score":0.04786589369177818},{"text":"Thanks, man.","start_word":1406,"end_word":1407,"sentiment":"positive","sentiment_score":0.4589402377605438},{"text":"Yes, sir. I just received an email here.","start_word":1408,"end_word":1415,"sentiment":"neutral","sentiment_score":0.29954952001571655},{"text":"Wonderful. Thank you.","start_word":1416,"end_word":1418,"sentiment":"positive","sentiment_score":0.5341606140136719},{"text":"Have you opened up the documents and got them in front of you? Yeah. Yeah. And I'm just trying to sign this here. It's opening Oh, up you on don't another plate. you don't need to sign anything just yet. We'll just... I'm just gonna... There's about six documents that we're just Yeah. gonna Yeah. talk through. Yeah. Yeah. The first one is just a summary of your superannuation insurance. So your superannuation is presently with Hub twenty four and valued at approximately $96,732. Yep. And you have your life, TPD, and income protection with a company called Encompass. Yep. And your life and TPD sum insured is 616,198 thousand each. Yep. And your income protection is $3,499 per month Yep. with a ninety day waiting period and a two year benefit period. Yeah. Yeah. So when when I look at your your goal of ensuring that your family has adequate cover and you have adequate cover in place to protect your family, do you believe those figures are enough? Yeah.","start_word":1419,"end_word":1589,"sentiment":"neutral","sentiment_score":0.0323542058467865},{"text":"It should be good.","start_word":1590,"end_word":1593,"sentiment":"positive","sentiment_score":0.38017940521240234},{"text":"Yeah. Yeah. Did you wanna look at reviewing them, or are you comfortable with those No. at No. this I'm time? I'm okay with this. Yeah. For now. Yeah. Yes. Okay. The other element of an insurance portfolio is trauma insurance, which covers you for a lump sum payment should you be diagnosed with a specific insurable Yep. illness. And that that insurance payable is tax free to you. It's a lump sum, and it's funded through your personal cash flow. And that the illnesses Alright. vary from cancer, heart attack, stroke, and some neurological diseases. Is that something Yep. that you wanted to look at, or you... Are For you now for now, honestly, I'm okay for now, but but maybe in no. the future for sure. Yeah. That's absolutely okay. That's... I just I just need to check to make sure that you're aware of what's available. Yep. The next document across is your hub twenty four performance portfolio. Yep. This is based on the last twelve months. So you'll see on the front page of that that there is a fund at the top called the Benelong Australian Equities Fund. Now Yeah. that is... You'll see has been an underperforming asset in the last twelve months, and that's due to Bennelong's investment mandate. So their their mandate follows that they identify undervalued companies within the Australian share market for growth opportunities. Yep. What that has meant for them is that in the last twelve months, it's been really the banks and the resource sector that have performed, so their mandate has not played out for them. Yep. What we've done is we don't... We're not reactive. We don't we don't reactively replace something without a systemic ongoing reason. Yep. So what we're doing at the moment now is due to the entire investment committee's in... Yep. Has reviewed it, and we are looking at replacing it with alternative for our clients should that be... Should there be an alternative that's appropriate. Are you... Is that something that you're happy for me to look at? Yeah. Yeah. Yes.","start_word":1594,"end_word":1943,"sentiment":"neutral","sentiment_score":-0.011199279172079904},{"text":"Beautiful.","start_word":1944,"end_word":1944,"sentiment":"positive","sentiment_score":0.5365813970565796},{"text":"And the other one that I wanted to look at in your portfolio is the third one down, the beta bank hybrid ETF. Yeah. No no issues with that in relation to performance in Carmel growth. The reason that I would like to look at investigating that a bit further is that from January 2027, the bank... Banking system in Australia is going to phase out bank hybrids. So rather Yep. than sit and wait and see what they're gonna be replaced with, I'd like to take more of a proactive approach to see if there's an alternative available because I I just don't know what it's gonna look like once they are phased out. So for me, taking a proactive approach in relation to that would be my preference if that's suitable for you. Yep. Okay. Yes. Yep. With regards to the rest of your portfolio, you've got some great exposure to the American share market and also the Australian share market. You also have some battery and tech exposure, lithium, which has Yeah.","start_word":1945,"end_word":2119,"sentiment":"neutral","sentiment_score":0.10040804743766785},{"text":"performed really well in the last little while due to a lot of the instability in relation to the global Thank you.","start_word":2120,"end_word":2141,"sentiment":"positive","sentiment_score":0.3398016691207886},{"text":"Bye bye. crisis with fuel. And you also have some gold exposure, which Yep. is a defensive part of your portfolio, so it reduces some of the the risk there. So in the last twelve months, the portfolio has only returned 3.37%, Yep. and that is due to the impact of that Bannalong fund because Yes. a significant amount of your funds are held there. So I am going to look to replace that if it's appropriate. Yep. Okay. Yep. Any questions about that? I know this year wasn't pretty great. I mean, last year, I mean, No. you know, wasn't pretty good. Yeah. Yeah. So... No. It hasn't been it hasn't been at all. There's been some volatility in the market as well within the last couple of weeks as well, so we expect this. But over time, the portfolios and markets do recover, which probably is a good segue into the next document, which is Yeah. the Vanguard index growth Sorry. I was looking. fund Again? or chart, I should say. Hello? Yeah. So you... You're currently invested as a balanced growth investor. Now what that Yep. invested in those top four funds down the right hand sector... Sorry, down the right hand column being US shares, Australian shares, international shares, and listed properties with the remaining 30% approximately invested in Australian bonds, international bonds, and cash. So you'll see over the long term that 70% approximately that we've got got invested in your gross assets will experience volatility. But over the long term, they produce... They're they're part of your portfolio that produces the growth, whereas the bottom two are your defensive allocations, which generally tend to produce more income as opposed to growth over the long term. Okay. Yeah. So in a balanced growth portfolio, you can expect an average annual return between six to 8%.","start_word":2142,"end_word":2451,"sentiment":"neutral","sentiment_score":0.004566077323209855},{"text":"And every one in six years, we would expect a negative return.","start_word":2452,"end_word":2463,"sentiment":"negative","sentiment_score":-0.49827051162719727},{"text":"Yeah. So you can see from you can see from the chart how the market operates. You can also see how it reacts to certain events that occur globally. So across the top, you've got some some black writing, which Yep. which explain... Which outlines certain points in the last thirty odd years or so with where events have happened and how the market has reacted with that and then how it has responded post recovery. Yep. Yeah. Yeah. So with a balanced growth portfolio, we... Yep. Our our recommendation is that you'd be invested for a minimum of five years to be able to withstand that volatility and those... The the fluctuations of the market. Does that make sense? Yeah. So... Yeah. So so you mean, like, we're we're still hanging on to that? Yeah. Yep. So if we're looking at it from your superannuation perspective, which we are, we are looking... So you are... You're born the same year as me. You're 41 at the... Or turning 41. Not... Getting what you want. Yeah. Yeah. So, realistically, you have twenty years until you can access your superannuation funds for retirement. So you have time on your side to withstand market volatility. There's... Does that make sense? Yes. Yeah. So if you wanted to increase your level of growth, so increase your level of exposure to growth assets being that top four, Yep. Yep. you do have time on your side to do that. Obviously, you'll experience more fluctuations in the market, Yep. but you need to be comfortable with with that. The chain... With the chain rule. Yeah. Yeah. So that's something that we can talk about if you if you wish to. Or if you wanna hold and wait for another twelve months, we can do that and always revisit the conversation in twelve months' time at your next review. Yeah. We'll do it next time. Yeah. That's fine. Yep.","start_word":2464,"end_word":2786,"sentiment":"neutral","sentiment_score":0.020849338245373394},{"text":"Okay. That's absolutely fine.","start_word":2787,"end_word":2790,"sentiment":"positive","sentiment_score":0.43408438563346863},{"text":"The next document is your certificate of currency for your insurance. So this this document is just a information piece for yourself to show you that your insurances are enforced. Yep. They're paid through your super fund and that that will continue as long as we... The superannuation fund pays for them. Yep. The next document is our financial services guide. This is a legal document that we need to provide our clients with. Yep. They... It explains to you who we are, who we're licensed through, what type of advice we can provide and how we provide this as Yep. well as an overview of our fees and the complaints process should you ever need to go down that path. Okay. Yep. Yep. Yeah. The next document is the ongoing... Your consent to the ongoing adviser fee. What this is is it is a document that does require your signature if you're happy to remain a client of Oakview Financial Yeah. and receive advice. It's a fixed fee at $1,675.88 per annum, which is then divided monthly and paid monthly over a twelve month period, which equates to a $139.66 per month. And that's deducted from your superannuation funds monthly. Oh, okay. Yep. No no Yep. discount. It's time for us. Because the market... I mean, I'm not Well... trying to bargain or anything, but, like, you know... No. I'm just asking. Yes. Like, I don't know if you... I don't know. You guys are doing it because I heard some... One of my other friend, he said, you know, like, he's not with Oakview, but he's with another company, I think, MLC or something, he told me. Oh, Yeah. okay. They were the... They they were the... Yep. I mean, I'm just asking. Right? So... No. That... That's absolutely fine and a valid question. So what we've done recently is we've actually changed our fee structure. So Yep. what that means is you used to be on a percent based fee. So what that would mean is if the market was performing badly or the portfolio was down, Yep. you would pay a lesser fee. And if the portfolio Yep. was performing well and the markets were up, you would pay more. So Yeah. what we've done is we've changed it to a fixed flex fee for twelve Yep. months. So regardless of whether your portfolio performs well or not, we're not getting... We're not benefiting from the fact that your portfolio is performing well. That Yeah. fee is simply designed to cover the expenses of conducting your annual reviews and and implementing and providing any further advice needed following this call, which is those investment changes that we've talked about. So Okay. we have we have changed the fee to be more transparent for clients and also that, you know, we don't... The fee isn't going to increase if you have a good month and the market does well within your superannuation fund. It's just a flat fee for twelve months. Oh, okay. Yep. No. That's... Yeah. Yeah. So if you if you do... And and in paying that fee well, you're not limited to only having your annual review. If any issues come up or you need to seek further advice, you Yeah. are you are free to contact us at any time. You do not need to wait for your annual review. You just contact us, and and we go from there. Yep. Okay. Okay? Okay. Yep. And then the final document there that also requires your signature is your confirmation that we... That you're comfortable with us holding your tax file number. So we hold your tax file number on file as when we set up your superannuation fund, it was disclosed to them to ensure that you didn't get taxed higher in your superannuation fund. Yep. So Okay. that's just you signing that off to say that you understand that we do hold it on file for you. Yep. Okay. Yep. Yep. So Let's if find. you... Yeah. So those last two documents do require signing if you're comfortable to do so and stay on board as a client, which we hope you do. But what what I would like to do is review the portfolio for those two investments we spoke about, Yes. and we will send through a document in the next week or so that will go over that for us to allow... For you to review and allow us to make those changes on your behalf. Yeah. Yeah. Yep. Yeah? I've already Is signed that I've okay? already signed... Yeah. Yeah. I've already signed them for you.","start_word":2791,"end_word":3568,"sentiment":"neutral","sentiment_score":0.04499747458567656},{"text":"Fantastic. Thank you.","start_word":3569,"end_word":3571,"sentiment":"positive","sentiment_score":0.5899168848991394},{"text":"Do you have any questions for me while I've got you on the phone? No. No. Nothing. It's all good. No? You're happy... And you're happy to stay within your reviews, or would you like them more No. That's fine. You know, if anything changes, you'll update me anyway. So, you know, if any massive changes Yeah. coming. Yep. Yeah. Yep. But with my And investment property, it's the only one that I'm waiting on. But if something changes in the future, you know, I'll give you a callback here.","start_word":3572,"end_word":3661,"sentiment":"neutral","sentiment_score":0.04005154222249985},{"text":"fantastic.","start_word":3662,"end_word":3662,"sentiment":"positive","sentiment_score":0.3547241687774658},{"text":"And just before I let you go, then Carter, I just wanted to flag with you that I have noticed on your superannuation and in your insurance policies that you do not have any beneficiary nominations, funds will Oh, okay. be You can paid you to. can put my daughter. That's Okay. fine. Yeah. So what that means is that upon something happening to you, you're you're passing, Yeah. it's who the funds will be paid Yes. to. Did you want to nominate your wife or your your daughter or... Yeah. Anybody. It doesn't matter. Yeah. So my wife is okay. Yeah. Yeah. So you want your wife... I need you to tell me who you want who want to Yeah. nominate. Yeah. That's fine. Yeah. My wife is okay. Yeah. I can put Okay. her name. Yes. Yep. So what we'll do is... Do you have access to a printer, or would you like me to post these out? I have a printer on on on with me. Yeah. Yes. Because I can print... I can email them to you. You can print them Yep. and sign them. You will need two witnesses to sign them, and it cannot be your wife because she's a beneficiary. Yep.","start_word":3663,"end_word":3870,"sentiment":"neutral","sentiment_score":0.05574686018427691},{"text":"So it'd be happy Yep. to be two other individuals.","start_word":3871,"end_word":3880,"sentiment":"positive","sentiment_score":0.41913923621177673},{"text":"And then you can email them back to us, and we'll make sure that they're put in place. Yeah. Okay. Yeah. That's fine.","start_word":3881,"end_word":3903,"sentiment":"neutral","sentiment_score":0.23511254787445068},{"text":"Yep. Fantastic. Alright.","start_word":3904,"end_word":3906,"sentiment":"positive","sentiment_score":0.4438740015029907},{"text":"Well, we... I'll get those prefilled. Do you have your... Do you know your wife's date of birth? Yeah. Yeah. Yeah. If you can give that to me, I'll get the forms prefilled for you so then you can... You don't have to fill them out. Yep. Yep. 12/05/1987. So the 05/12/1987. Yeah. That's right. Yeah. And then just one last question with that. There's two Yeah. types of nominations. You can have one that lapses and that you've gotta sign and renew every three years, or you can Yep. have one that does not lapse and is only updated when you complete a new form. Which one would you prefer? Up to you. I don't know. Like, whatever whatever is easier. That's fine. Three years, we'll go three years. Yeah. It... You... So just review every three years? Yeah. Every three years. Yeah. That's... Yeah. Okay.","start_word":3907,"end_word":4053,"sentiment":"neutral","sentiment_score":0.04504391923546791},{"text":"Fantastic.","start_word":4054,"end_word":4054,"sentiment":"positive","sentiment_score":0.4697844386100769},{"text":"Well, I'll get those forms sent out to you. And, Yep. in the... And if you... Anything ever comes up and you need to discuss it further, please reach out. But, otherwise, I look forward to speaking to you again at our next review. Yep. Done. Done.","start_word":4055,"end_word":4101,"sentiment":"neutral","sentiment_score":0.13837019338252696},{"text":"All good. Yeah. Thank you, Yanna. Thank you so much for your time. Enjoy your afternoon. Good. Thank you. Bye bye.","start_word":4102,"end_word":4122,"sentiment":"positive","sentiment_score":0.6599183678627014},{"text":"Bye. Bye.","start_word":4123,"end_word":4124,"sentiment":"neutral","sentiment_score":0.1892082691192627}],"average":{"sentiment":"neutral","sentiment_score":0.04746202054506115}}}}