{"metadata":{"transaction_key":"deprecated","request_id":"01a0327f-c4e9-7510-8f46-7b6cd517dbac","sha256":"2eef851a804f8353a1cd9326a3372e9adbc8e384ac96f05698f24927b34009a1","created":"2026-08-24T06:40:32.806Z","duration":1771.344,"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":4735,"output_tokens":108},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5234,"output_tokens":5245},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5234,"output_tokens":540}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. Is this Mohammed? It's Jenna here. How are you today? No. That's completely fine. I thought I would give you one more try before I finished up for the day to see if I could get a hold of you and if you had time to do your review. Oh, lovely. Alright. Well, but just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay with you? Brilliant. And just to confirm that I am speaking with the correct person, can you please confirm your full name, date of birth, and address, please? Your address. Beautiful. Fantastic. Thank you so much for that. I'm just quickly opening up a few documents. How's your day been so far? Oh, beautiful. That's good. Can't complain there. Okay. So what I'm gonna do first of all do you have access to your emails at all? Yeah. What I'm gonna do is I'm just going to send you a a review pack. It's got some documents in there, and it'll come from a it will come from Voodoo sign. And you don't have to sign anything yet. We're just gonna open it up and go through the documentation. And then at the end, once you've had a time to at the end of the review or when you've had some time to review it, we'll get you to complete. So I'm just gonna send this through to you now. It won't be a second. Okay. Fantastic. So I've sent that through. So that might pop up in your inbox in the next few minutes. What I'll do in the mean time is I'd just like to start by running through your current financial situation, if that's okay, being personal and financial situation, just to make sure that all the details we have on file is correct and accurate and reflects your truth. So first of all, I'd just like to confirm your date of oh, no. You've already confirmed your date of birth. Don't worry about that. Your email address is NazmiOzkan25@Gmail.com. Did I say that correctly? Yeah. Okay. Beautiful. And your postal address, is that the same as your home address? Yep. Okay. And your spouse's name, how do I pronounce that? Sorry. Your spouse's your wife's name? Asia. Oh, that's a beautiful name. Love that. Do you have any dependents? One. Oh, beautiful. A boy or a girl? Aw. And what's her name? E l a. Beautiful. And how old is she? Oh, the fun age. Is is the I don't know how you call it. The the SaaS starting to come through as yet? Yes. Definitely. Oh, congratulations. I would and, also, we've got Asia down here as your next of kin. Is that still correct? Yep. Do you have a contact number for her? Yep. Yeah. Yep. Yep. 522. Beautiful. Thank you for that. We have you as a workforce planning manager with Jetstar. Is that still correct? Yep. Okay. What's the new role? Yep. Okay. Sounds like a big big responsibility. And and is that a 100% office based, like, airport based? Yep. And any work above 12 meters at heights or anything like that? No? And what kind of duties do you perform in that? Is it customer relations, people? Yeah. Oh, lovely. Sounds busy. So you started in July, you said. Yep. Okay. Beautiful. I'm just taking down some notes as we go. And the and it's full time? Correct. And how many hours on average do you work per week? Thirty eight? Beautiful. Now we had your income down as a 100,000. Has that changed Moving forward. Yeah. Yeah. You can give me the base and then the estimate if you like. Yep. Yep. And does that include super, or is that overtime? Additional super. Yep. So your EBA, that's just up that allows up to your overtime only. Is that right? Yep. Okay. Alright. So that's great. So is your employer just paying the 12%, the standard 12% for super? Yep. Okay. So they're paying a little bit extra. And what is your weekly expenditure? We had that at 400. Has that increased? Expenditure. So your living expenses outside of mortgage repayments or yep. Yep. Okay. And do you have savings wise, are you having any surplus cash flow where you're saving at all? Yep. Yep. How much roughly per week would you estimate that to be? Or per fortnight? Yep. Okay. And are you doing any additional salary sacrifice or superannuation contributions of any time? No? Okay. And last time that we you spoke with the team, you were building a house. Has that completed? Oh, wow. So what is the value of your home? $4.50. $4.50. And what's the what are the repayments on that roughly? Do you if off the top of your head if you know it. That's okay. Beautiful. Thank you. Assets wise, we also had a motor motor vehicle valued at about 18,000. Is that still correct? Yep. Yeah. Any debt against that? No. Any other vehicles of any description? No? Okay. Assets wise, is there any other assets, savings or home acquaintance or investments, any other assets that you have? No. No. That's wonderful. Any debt, credit cards, anything? No? Beautiful. Sorry to ask, but it's one of the questions. Have you ever been declared bankrupt? That's good. That's good. Okay. One other moving into more of an estate planning area, do you have a will or power of attorney in place? No. And are you a tax resident of any other country? No. Beautiful. Okay. So today, what I wanted to probably just check with you before we move into the investment side of things is just your risk profile. So, basically, that's just your approach and attitude to risk from an investment perspective. So I just wanted to ask a couple of quick questions if that was okay with you to make sure that it's still applicable to your situation. What is the most aggressive investment you have ever made? Being the options of direct shares, manage funds, an investment property, your own home, or a high interest bank account. Yeah. Yeah. With that's okay. What if we look at your superannuation fund? That's an investment, and you've got managed funds within there. So would you be happy with managed funds as your answer? Yep. Okay. Given you're 30 years old and preservation age is 60 at the present time to access super, it would be safe to say that you would need longer these funds would need to be invested for longer than ten years. Would you agree with that? Yep. Beautiful. How sorry. I just got a notice through to recharge my headset for it. So if I cut out, I apologize. I will phone you back. So that one's fine. We'll cover that. I might skip ahead. Have you got that email open with the documents? Yep. Okay. What I might do is I'll jump to those because I think the risk profile we can play through our conversation anyway. The first document once you open it is a summary of your superannuation. So it's a one page document. It tells you what your balance is as at today. Can you see that? Yep. Yep. And then we go on to the performance report is the next one. So we've pulled two performance reports for you, one being a twelve month one and one being a six month one. Can you tell me if you're looking at the twelve or six month one first? It should say up in the top hand corner left hand corner, sorry, the date range. Okay. Beautiful. June 2025. Okay. So that would so can you see the hub 24 screen? No. Okay. So they're not in the correct order. What is the heading of that document that was sent to you that you're looking at first right now? The Vanguard? Okay. Yeah. There's just usually, there's one before that. So we can touch on this first of all. The Vanguard index chart just is probably one of the most familiar charts available for investors as a education tool. It breaks down the different sectors being international, shares, the Australian shares, property, bonds, cash as the main sectors of the market. And it shows you that over the long term how the the market can react to different events. Along the top, you'll notice that there's some some black term some black wording that shows some different events that have occurred over those periods of time, and you can see how the market's reacted with that. So as always, with all investments, there's volatility, and this is how we establish your comfort levels in regards to risk. So that's a great little tool to refer back to when understanding your exposure to the different asset classes as we move forward in the review. Did you have any questions previously. It explains who we are, who our license is, our fees, and probably the most important part of fact of a FSG is how you can if you're unhappy with any of the services provided, the options you have available for you. Beautiful. And what's the next document? I'm sorry. Beautiful. Beautiful. So this one gives us a good overview. So you'll note probably the most important thing on the second page of it is the overall return is 4.15%. Now being in a high growth risk profile, which predominantly is a 90 to 10, allocation to growth assets with growth being your international and Australian shares in your property and your defensive being cashed and cash and fixed interest component. So typically in that type of portfolio, I would expect to see a return of more between an eight to 10% return. That's gross of fees. And you'll see that this one is a little bit lower, and I'll touch on why that is shortly. But the minimum investment time frame for a high growth portfolio or investor, I should say, is eight years. So as I go through some of these investments and explain this, I think we'll have a good understanding if whether you're still comfortable being a high growth investor. So if we look at the investments themselves, you'll see that Bennelong Australia at the top has had probably one of the biggest negative returns in the last twelve months. And it's not that it's not just the performance for Bennelong or that the Australian market has performed badly. It's probably more important to understand why the Benelon return has not been great. The fund is more of takes more of an active approach, so it won't it won't always perform in line with what the Australian share market does as the the manage the investment manager will typically identify companies that they think have strong potential growth and they're undervalued. So when the investment manager has potentially potentially picked some dark horses, let's call them, the the portfolio will will be impacted. So that's been going on for approximately, oh, about eighteen months now. And given the recent performance, we would like the opportunity to be able to look at alternative options that may be more appropriate to replace the Benelong option. Is that okay with you? Yep. Beautiful. And the other one that I wanted to highlight as a as something that we wanted to look into as well was the fact that your your bank hybrid. So you do have a little bit of exposure to that through the beta bank hybrid ETF. There's currently some changes happening with bank hybrids in Australia, and I think and we would like to we sort of are reviewing for all of our clients at the moment whether it's the right fit longer term. So as I mentioned before, your portfolio is built of of a balance of growth and income producing assets depending on your risk profile, and this builds up the defend this this section takes part in the defensive sector. So at the moment, hybrids are being phased out in Australia by the banks with a end date of January 2027. So what we would like to do as well is look at reviewing those that hybrid investment to see if there is potentially another defensive type asset that we could replace it with. Is that something that you'd be okay with as well? Yep. Okay. And just your portfolio as a whole, I think it's probably good just to cover off on it quickly, just briefly, and please tell me if I'm boring you or anything. So the you your US investments have been an important contributor to your performance within your portfolio, and that's because The US market is heavily influenced by some of the larger companies in the world. So movements in those companies can actually have a great meaningful impact on the over on your overall portfolio. You also have an allocation to cybersecurity, which is a long term growth opportunity and more concentrated. So we would expect that to be more volatile than the broader market at a whole. So you could expect some volatility, although recently it's done quite well at sitting at about 21% return. We would expect volatility or not volatility, but some fluctuations over time being up and down because it's quite a niche niche sector. Your Australian investment portfolio provides you with a great source of exposure across the market. The Australian market is more heavily influenced by banks and financial companies and resources, so it does behave quite differently from The US market, but you are well diversified across a few different sectors with the Australia within the Australian allocation. So overall, the portfolio is deliberately diversified across several different markets, sectors, and investment styles. And at the moment, we're quite happy with it with the the view to review those two options that we talked about earlier being the Beta Bank hybrid and the Van Al Long Australian Equities Fund. Did you have any questions about that? Oh, thank you. And what was the next document in your in your pack? Yeah. So that's the thing. So you'll see that the Bennelong Australian Equities Fund bounced back a little bit, and we've had a little bit more of a negative return in the gold sector, whereas previously, it was quite a large large return or profit, we should say. So as always, the market will change and fluctuate depending on what's happening worldwide, investment wide. Wide. There's so many different variables that can impact the return. However, given that you've got a thirty year time frame at a minimum, you are able to navigate and and hold those investments for the long term. And what's the next document you have? Yes. Yep. So what this document is is this is your to have a read through, this is our fees. So you'll see that our fees are capped at 1.65%. So if you just scroll down to the bottom of the first page, you see below that is the estimated fee per annum. That fee is then broken down into twelve months and deducted from your superannuation fund through hub twenty four. So if you wanted to maintain and continue the decline of Oakview Financial, we would need you to sign that. That's one of the forms that you would need to electronically sign and return. And did you have any questions regarding that fee? No. No. And then the last document should be your tax file number that the declaration, I guess, you call it, where it would require you to sign again. It's just saying that you you approve for us to maintain your tax file number on file for your superannuation purposes. So and that reason being is that if we don't provide hub twenty four with your tax file number, your super fund is then taxed at a higher rate, which is not ideal for for yourself. So if that's just another form that you will need to sign and complete and return to us also. Did you have any questions for me? Yeah. Yeah. Yep. No. That's alright. There's one last little question one little last bit I need to go through with you, and it's just your goals and objectives. So I just wanna make sure that we have these correct and then touch on some areas that we might need to. Previously, your superannuation, you indicated that you wanted the maximum returns from your super. So that was reviewed, and hub twenty four was recommended to be replaced. Has any of your has your goals for your superannuation changed, or is or do they may remain the same? Yep. Okay. Do you still plan on retiring at the age of 60? And we had a note here that you'd have you'd need about a thousand dollars a week in retirement. Is that correct? Yep. Alright. Previously, also, there was you had scoped out risk insurance as that you didn't really want them. Given that you've now had sorry. Ella, is this something that you wanted to look at now to ensure that your family is protected from a a life PPD and income protection if anything was to happen to you? No. That's okay. That's fine. And then the cash flow and budgeting, I note that you have a fair amount of surplus cash flow. Are you directing that in to your your mortgage to make additional repayments? Are you interested in building an investment outside of your your superannuation or your home? Just just touching base on that. Yep. Yeah. That's okay. That's perfect. And then just lastly, I just wanted to touch on your estate planning. I note that you don't have a will or a power of attorney. Is this something that you and your wife are look planning to look into? Yeah. No. It's. Okay. That's no worries at all. If you ever do, we do have a professional partner that we can refer you to and send you through a brochure for you to review that if you like. 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Is this Mohammed? It's Jenna here. How are you today? No.\n\nThat's completely fine. I thought I would give you one more try before I finished up for the day to see if I could get a hold of you and if you had time to do your review. Oh, lovely. Alright. Well, but just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay with you? Brilliant. And just to confirm that I am speaking with the correct person, can you please confirm your full name, date of birth, and address, please? Your address. Beautiful.\n\nFantastic. Thank you so much for that. I'm just quickly opening up a few documents. How's your day been so far? Oh, beautiful.\n\nThat's good. Can't complain there. Okay. So what I'm gonna do first of all do you have access to your emails at all? Yeah.\n\nWhat I'm gonna do is I'm just going to send you a a review pack. It's got some documents in there, and it'll come from a it will come from Voodoo sign. And you don't have to sign anything yet. We're just gonna open it up and go through the documentation. And then at the end, once you've had a time to at the end of the review or when you've had some time to review it, we'll get you to complete.\n\nSo I'm just gonna send this through to you now. It won't be a second. Okay. Fantastic. So I've sent that through.\n\nSo that might pop up in your inbox in the next few minutes. What I'll do in the mean time is I'd just like to start by running through your current financial situation, if that's okay, being personal and financial situation, just to make sure that all the details we have on file is correct and accurate and reflects your truth. So first of all, I'd just like to confirm your date of oh, no. You've already confirmed your date of birth. Don't worry about that.\n\nYour email address is NazmiOzkan25@Gmail.com. Did I say that correctly? Yeah. Okay. Beautiful.\n\nAnd your postal address, is that the same as your home address? Yep. Okay. And your spouse's name, how do I pronounce that? Sorry.\n\nYour spouse's your wife's name? Asia. Oh, that's a beautiful name. Love that. Do you have any dependents?\n\nOne. Oh, beautiful. A boy or a girl? Aw. And what's her name?\n\nE l a. Beautiful. And how old is she? Oh, the fun age. Is is the I don't know how you call it.\n\nThe the SaaS starting to come through as yet? Yes. Definitely. Oh, congratulations. I would and, also, we've got Asia down here as your next of kin.\n\nIs that still correct? Yep. Do you have a contact number for her? Yep. Yeah.\n\nYep. Yep. 522. Beautiful. Thank you for that.\n\nWe have you as a workforce planning manager with Jetstar. Is that still correct? Yep. Okay. What's the new role?\n\nYep. Okay. Sounds like a big big responsibility. And and is that a 100% office based, like, airport based? Yep.\n\nAnd any work above 12 meters at heights or anything like that? No? And what kind of duties do you perform in that? Is it customer relations, people? Yeah.\n\nOh, lovely. Sounds busy. So you started in July, you said. Yep. Okay.\n\nBeautiful. I'm just taking down some notes as we go. And the and it's full time? Correct. And how many hours on average do you work per week?\n\nThirty eight? Beautiful. Now we had your income down as a 100,000. Has that changed Moving forward. Yeah.\n\nYeah. You can give me the base and then the estimate if you like. Yep. Yep. And does that include super, or is that overtime?\n\nAdditional super. Yep. So your EBA, that's just up that allows up to your overtime only. Is that right? Yep.\n\nOkay. Alright. So that's great. So is your employer just paying the 12%, the standard 12% for super? Yep.\n\nOkay. So they're paying a little bit extra. And what is your weekly expenditure? We had that at 400. Has that increased?\n\nExpenditure. So your living expenses outside of mortgage repayments or yep. Yep. Okay. And do you have savings wise, are you having any surplus cash flow where you're saving at all?\n\nYep. Yep. How much roughly per week would you estimate that to be? Or per fortnight? Yep.\n\nOkay. And are you doing any additional salary sacrifice or superannuation contributions of any time? No? Okay. And last time that we you spoke with the team, you were building a house.\n\nHas that completed? Oh, wow. So what is the value of your home? $4.50. $4.50.\n\nAnd what's the what are the repayments on that roughly? Do you if off the top of your head if you know it. That's okay. Beautiful. Thank you.\n\nAssets wise, we also had a motor motor vehicle valued at about 18,000. Is that still correct? Yep. Yeah. Any debt against that?\n\nNo. Any other vehicles of any description? No? Okay. Assets wise, is there any other assets, savings or home acquaintance or investments, any other assets that you have?\n\nNo. No. That's wonderful. Any debt, credit cards, anything? No?\n\nBeautiful. Sorry to ask, but it's one of the questions. Have you ever been declared bankrupt? That's good. That's good.\n\nOkay. One other moving into more of an estate planning area, do you have a will or power of attorney in place? No. And are you a tax resident of any other country? No.\n\nBeautiful. Okay. So today, what I wanted to probably just check with you before we move into the investment side of things is just your risk profile. So, basically, that's just your approach and attitude to risk from an investment perspective. So I just wanted to ask a couple of quick questions if that was okay with you to make sure that it's still applicable to your situation.\n\nWhat is the most aggressive investment you have ever made? Being the options of direct shares, manage funds, an investment property, your own home, or a high interest bank account. Yeah. Yeah. With that's okay.\n\nWhat if we look at your superannuation fund? That's an investment, and you've got managed funds within there. So would you be happy with managed funds as your answer? Yep. Okay.\n\nGiven you're 30 years old and preservation age is 60 at the present time to access super, it would be safe to say that you would need longer these funds would need to be invested for longer than ten years. Would you agree with that? Yep. Beautiful. How sorry.\n\nI just got a notice through to recharge my headset for it. So if I cut out, I apologize. I will phone you back. So that one's fine. We'll cover that.\n\nI might skip ahead. Have you got that email open with the documents? Yep. Okay. What I might do is I'll jump to those because I think the risk profile we can play through our conversation anyway.\n\nThe first document once you open it is a summary of your superannuation. So it's a one page document. It tells you what your balance is as at today. Can you see that? Yep.\n\nYep. And then we go on to the performance report is the next one. So we've pulled two performance reports for you, one being a twelve month one and one being a six month one. Can you tell me if you're looking at the twelve or six month one first? It should say up in the top hand corner left hand corner, sorry, the date range.\n\nOkay. Beautiful. June 2025. Okay. So that would so can you see the hub 24 screen?\n\nNo. Okay. So they're not in the correct order. What is the heading of that document that was sent to you that you're looking at first right now? The Vanguard?\n\nOkay. Yeah. There's just usually, there's one before that. So we can touch on this first of all. The Vanguard index chart just is probably one of the most familiar charts available for investors as a education tool.\n\nIt breaks down the different sectors being international, shares, the Australian shares, property, bonds, cash as the main sectors of the market. And it shows you that over the long term how the the market can react to different events. Along the top, you'll notice that there's some some black term some black wording that shows some different events that have occurred over those periods of time, and you can see how the market's reacted with that. So as always, with all investments, there's volatility, and this is how we establish your comfort levels in regards to risk. So that's a great little tool to refer back to when understanding your exposure to the different asset classes as we move forward in the review.\n\nDid you have any questions previously. It explains who we are, who our license is, our fees, and probably the most important part of fact of a FSG is how you can if you're unhappy with any of the services provided, the options you have available for you. Beautiful. And what's the next document? I'm sorry.\n\nBeautiful. Beautiful. So this one gives us a good overview. So you'll note probably the most important thing on the second page of it is the overall return is 4.15%. Now being in a high growth risk profile, which predominantly is a 90 to 10, allocation to growth assets with growth being your international and Australian shares in your property and your defensive being cashed and cash and fixed interest component.\n\nSo typically in that type of portfolio, I would expect to see a return of more between an eight to 10% return. That's gross of fees. And you'll see that this one is a little bit lower, and I'll touch on why that is shortly. But the minimum investment time frame for a high growth portfolio or investor, I should say, is eight years. So as I go through some of these investments and explain this, I think we'll have a good understanding if whether you're still comfortable being a high growth investor.\n\nSo if we look at the investments themselves, you'll see that Bennelong Australia at the top has had probably one of the biggest negative returns in the last twelve months. And it's not that it's not just the performance for Bennelong or that the Australian market has performed badly. It's probably more important to understand why the Benelon return has not been great. The fund is more of takes more of an active approach, so it won't it won't always perform in line with what the Australian share market does as the the manage the investment manager will typically identify companies that they think have strong potential growth and they're undervalued. So when the investment manager has potentially potentially picked some dark horses, let's call them, the the portfolio will will be impacted.\n\nSo that's been going on for approximately, oh, about eighteen months now. And given the recent performance, we would like the opportunity to be able to look at alternative options that may be more appropriate to replace the Benelong option. Is that okay with you? Yep. Beautiful.\n\nAnd the other one that I wanted to highlight as a as something that we wanted to look into as well was the fact that your your bank hybrid. So you do have a little bit of exposure to that through the beta bank hybrid ETF. There's currently some changes happening with bank hybrids in Australia, and I think and we would like to we sort of are reviewing for all of our clients at the moment whether it's the right fit longer term. So as I mentioned before, your portfolio is built of of a balance of growth and income producing assets depending on your risk profile, and this builds up the defend this this section takes part in the defensive sector. So at the moment, hybrids are being phased out in Australia by the banks with a end date of January 2027.\n\nSo what we would like to do as well is look at reviewing those that hybrid investment to see if there is potentially another defensive type asset that we could replace it with. Is that something that you'd be okay with as well? Yep. Okay. And just your portfolio as a whole, I think it's probably good just to cover off on it quickly, just briefly, and please tell me if I'm boring you or anything.\n\nSo the you your US investments have been an important contributor to your performance within your portfolio, and that's because The US market is heavily influenced by some of the larger companies in the world. So movements in those companies can actually have a great meaningful impact on the over on your overall portfolio. You also have an allocation to cybersecurity, which is a long term growth opportunity and more concentrated. So we would expect that to be more volatile than the broader market at a whole. So you could expect some volatility, although recently it's done quite well at sitting at about 21% return.\n\nWe would expect volatility or not volatility, but some fluctuations over time being up and down because it's quite a niche niche sector. Your Australian investment portfolio provides you with a great source of exposure across the market. The Australian market is more heavily influenced by banks and financial companies and resources, so it does behave quite differently from The US market, but you are well diversified across a few different sectors with the Australia within the Australian allocation. So overall, the portfolio is deliberately diversified across several different markets, sectors, and investment styles. And at the moment, we're quite happy with it with the the view to review those two options that we talked about earlier being the Beta Bank hybrid and the Van Al Long Australian Equities Fund.\n\nDid you have any questions about that? Oh, thank you. And what was the next document in your in your pack? Yeah. So that's the thing.\n\nSo you'll see that the Bennelong Australian Equities Fund bounced back a little bit, and we've had a little bit more of a negative return in the gold sector, whereas previously, it was quite a large large return or profit, we should say. So as always, the market will change and fluctuate depending on what's happening worldwide, investment wide. Wide. There's so many different variables that can impact the return. However, given that you've got a thirty year time frame at a minimum, you are able to navigate and and hold those investments for the long term.\n\nAnd what's the next document you have? Yes. Yep. So what this document is is this is your to have a read through, this is our fees. So you'll see that our fees are capped at 1.65%.\n\nSo if you just scroll down to the bottom of the first page, you see below that is the estimated fee per annum. That fee is then broken down into twelve months and deducted from your superannuation fund through hub twenty four. So if you wanted to maintain and continue the decline of Oakview Financial, we would need you to sign that. That's one of the forms that you would need to electronically sign and return. And did you have any questions regarding that fee?\n\nNo. No. And then the last document should be your tax file number that the declaration, I guess, you call it, where it would require you to sign again. It's just saying that you you approve for us to maintain your tax file number on file for your superannuation purposes. So and that reason being is that if we don't provide hub twenty four with your tax file number, your super fund is then taxed at a higher rate, which is not ideal for for yourself.\n\nSo if that's just another form that you will need to sign and complete and return to us also. Did you have any questions for me? Yeah. Yeah. Yep.\n\nNo. That's alright. There's one last little question one little last bit I need to go through with you, and it's just your goals and objectives. So I just wanna make sure that we have these correct and then touch on some areas that we might need to. Previously, your superannuation, you indicated that you wanted the maximum returns from your super.\n\nSo that was reviewed, and hub twenty four was recommended to be replaced. Has any of your has your goals for your superannuation changed, or is or do they may remain the same? Yep. Okay. Do you still plan on retiring at the age of 60?\n\nAnd we had a note here that you'd have you'd need about a thousand dollars a week in retirement. Is that correct? Yep. Alright. Previously, also, there was you had scoped out risk insurance as that you didn't really want them.\n\nGiven that you've now had sorry. Ella, is this something that you wanted to look at now to ensure that your family is protected from a a life PPD and income protection if anything was to happen to you? No. That's okay. That's fine.\n\nAnd then the cash flow and budgeting, I note that you have a fair amount of surplus cash flow. Are you directing that in to your your mortgage to make additional repayments? Are you interested in building an investment outside of your your superannuation or your home? Just just touching base on that. Yep.\n\nYeah. That's okay. That's perfect. And then just lastly, I just wanted to touch on your estate planning. I note that you don't have a will or a power of attorney.\n\nIs this something that you and your wife are look planning to look into? Yeah. No. It's. Okay.\n\nThat's no worries at all. If you ever do, we do have a professional partner that we can refer you to and send you through a brochure for you to review that if you like. It gives you an outline of costs and","paragraphs":[{"sentences":[{"text":"Hi.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.03313026577234268},{"text":"Is this Mohammed?","start":3.04,"end":4.02,"sentiment":"neutral","sentiment_score":0.027347066750129063},{"text":"It's Jenna here.","start":5.92,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.14013191560904184},{"text":"How are you today?","start":6.7999997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.21452800929546356},{"text":"No.","start":13.36,"end":13.5199995,"sentiment":"neutral","sentiment_score":-0.0642196387052536}],"sentiment":"neutral","sentiment_score":0.11078830094387133,"num_words":12,"start":2.56,"end":13.5199995},{"sentences":[{"text":"That's completely fine.","start":13.5199995,"end":14.445,"sentiment":"neutral","sentiment_score":0.07556844502687454},{"text":"I thought I would give you one more try before I finished up for the day to see if I could get a hold of you and if you had time to do your review.","start":14.445,"end":23.025,"sentiment":"neutral","sentiment_score":0.003676894786102431},{"text":"Oh, lovely.","start":25.165,"end":25.825,"sentiment":"neutral","sentiment_score":0.20394331961870193},{"text":"Alright.","start":25.885,"end":26.125,"sentiment":"neutral","sentiment_score":0.13268432021141052},{"text":"Well, but just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":26.125,"end":31.810001,"sentiment":"neutral","sentiment_score":0.03478101257234812}],"sentiment":"neutral","sentiment_score":0.026749892823511,"num_words":66,"start":13.5199995,"end":31.810001},{"sentences":[{"text":"Is that okay with you?","start":31.810001,"end":33.19,"sentiment":"neutral","sentiment_score":0.05330448187887669},{"text":"Brilliant.","start":34.93,"end":35.43,"sentiment":"positive","sentiment_score":0.5251874327659607},{"text":"And just to confirm that I am speaking with the correct person, can you please confirm your full name, date of birth, and address, please?","start":35.89,"end":44.385002,"sentiment":"neutral","sentiment_score":0.08650926396250724},{"text":"Your address.","start":54.605,"end":55.425,"sentiment":"neutral","sentiment_score":0.004314428893849254},{"text":"Beautiful.","start":59.62,"end":60.02,"sentiment":"positive","sentiment_score":0.44881588220596313}],"sentiment":"neutral","sentiment_score":0.10034959356519668,"num_words":34,"start":31.810001,"end":60.02},{"sentences":[{"text":"Fantastic.","start":60.02,"end":60.52,"sentiment":"positive","sentiment_score":0.6220437288284302},{"text":"Thank you so much for that.","start":60.82,"end":62.28,"sentiment":"positive","sentiment_score":0.6587949295838674},{"text":"I'm just quickly opening up a few documents.","start":62.5,"end":65.7,"sentiment":"positive","sentiment_score":0.3799189105629921},{"text":"How's your day been so far?","start":65.7,"end":67.32,"sentiment":"neutral","sentiment_score":0.23730342338482538},{"text":"Oh, beautiful.","start":70.34,"end":71.24,"sentiment":"positive","sentiment_score":0.4395473003387451}],"sentiment":"positive","sentiment_score":0.43117737964443537,"num_words":23,"start":60.02,"end":71.24},{"sentences":[{"text":"That's good.","start":71.46,"end":72.2,"sentiment":"positive","sentiment_score":0.44677087664604187},{"text":"Can't complain there.","start":72.58,"end":73.88,"sentiment":"neutral","sentiment_score":0.17380185425281525},{"text":"Okay.","start":75.665,"end":76.165,"sentiment":"neutral","sentiment_score":0.0322735533118248},{"text":"So what I'm gonna do first of all do you have access to your emails at all?","start":76.225,"end":81.205,"sentiment":"neutral","sentiment_score":0.032720099915476406},{"text":"Yeah.","start":84.305,"end":84.805,"sentiment":"neutral","sentiment_score":0.08754144608974457}],"sentiment":"neutral","sentiment_score":0.08712516725063324,"num_words":24,"start":71.46,"end":84.805},{"sentences":[{"text":"What I'm gonna do is I'm just going to send you a a review pack.","start":85.025,"end":91.119995,"sentiment":"neutral","sentiment_score":0.1283064141869545},{"text":"It's got some documents in there, and it'll come from a it will come from Voodoo sign.","start":91.119995,"end":97.78,"sentiment":"neutral","sentiment_score":0.10742469526389066},{"text":"And you don't have to sign anything yet.","start":99.119995,"end":101.2,"sentiment":"neutral","sentiment_score":0.0820442414842546},{"text":"We're just gonna open it up and go through the documentation.","start":101.2,"end":104.34,"sentiment":"neutral","sentiment_score":0.1242731051011519},{"text":"And then at the end, once you've had a time to at the end of the review or when you've had some time to review it, we'll get you to complete.","start":105.495,"end":115.115005,"sentiment":"neutral","sentiment_score":0.11274648674072758}],"sentiment":"neutral","sentiment_score":0.11304042938097221,"num_words":82,"start":85.025,"end":115.115005},{"sentences":[{"text":"So I'm just gonna send this through to you now.","start":115.255005,"end":117.55,"sentiment":"neutral","sentiment_score":0.17066000998020173},{"text":"It won't be a second.","start":117.55,"end":118.85,"sentiment":"neutral","sentiment_score":0.12635452896356583},{"text":"Okay.","start":132.35,"end":132.795,"sentiment":"neutral","sentiment_score":0.06626572459936142},{"text":"Fantastic.","start":137.515,"end":137.915,"sentiment":"positive","sentiment_score":0.795580267906189},{"text":"So I've sent that through.","start":137.915,"end":138.875,"sentiment":"positive","sentiment_score":0.5033000469207763}],"sentiment":"neutral","sentiment_score":0.25985086235133087,"num_words":22,"start":115.255005,"end":138.875},{"sentences":[{"text":"So that might pop up in your inbox in the next few minutes.","start":138.875,"end":142.095,"sentiment":"positive","sentiment_score":0.333864477964548},{"text":"What I'll do in the mean time is I'd just like to start by running through your current financial situation, if that's okay, being personal and financial situation, just to make sure that all the details we have on file is correct and accurate and reflects your truth.","start":143.755,"end":161.38501,"sentiment":"neutral","sentiment_score":0.07089394329038139},{"text":"So first of all, I'd just like to confirm your date of oh, no.","start":162.96501,"end":168.16501,"sentiment":"neutral","sentiment_score":0.09134640172123909},{"text":"You've already confirmed your date of birth.","start":168.16501,"end":169.285,"sentiment":"neutral","sentiment_score":0.07675093465617724},{"text":"Don't worry about that.","start":169.285,"end":170.505,"sentiment":"neutral","sentiment_score":0.08425816707313061}],"sentiment":"neutral","sentiment_score":0.1150730968193086,"num_words":86,"start":138.875,"end":170.505},{"sentences":[{"text":"Your email address is NazmiOzkan25@Gmail.com.","start":170.88501,"end":176.8,"sentiment":"neutral","sentiment_score":0.05083547383546829},{"text":"Did I say that correctly?","start":178.62001,"end":180.08,"sentiment":"neutral","sentiment_score":0.05039325058460235},{"text":"Yeah.","start":181.98001,"end":182.48001,"sentiment":"neutral","sentiment_score":0.07603902369737625},{"text":"Okay.","start":182.86,"end":183.34001,"sentiment":"neutral","sentiment_score":0.1623796820640564},{"text":"Beautiful.","start":183.34001,"end":183.84001,"sentiment":"positive","sentiment_score":0.34199708700180054}],"sentiment":"neutral","sentiment_score":0.08358149345104511,"num_words":13,"start":170.88501,"end":183.84001},{"sentences":[{"text":"And your postal address, is that the same as your home address?","start":187.395,"end":190.615,"sentiment":"neutral","sentiment_score":0.09012715487430493},{"text":"Yep.","start":192.515,"end":192.915,"sentiment":"neutral","sentiment_score":0.03521179035305977},{"text":"Okay.","start":192.915,"end":193.415,"sentiment":"neutral","sentiment_score":0.02778610959649086},{"text":"And your spouse's name, how do I pronounce that?","start":193.715,"end":196.755,"sentiment":"neutral","sentiment_score":0.013903771941032674},{"text":"Sorry.","start":196.755,"end":197.255,"sentiment":"neutral","sentiment_score":-0.015089830383658407}],"sentiment":"neutral","sentiment_score":0.05227366148028523,"num_words":24,"start":187.395,"end":197.255},{"sentences":[{"text":"Your spouse's your wife's name?","start":198.995,"end":200.76,"sentiment":"neutral","sentiment_score":0.0033354439772665502},{"text":"Asia.","start":203.4,"end":203.9,"sentiment":"neutral","sentiment_score":0.02648274041712284},{"text":"Oh, that's a beautiful name.","start":204.04,"end":205.64,"sentiment":"neutral","sentiment_score":0.29843361079692843},{"text":"Love that.","start":205.64,"end":206.37999,"sentiment":"neutral","sentiment_score":0.26525668799877167},{"text":"Do you have any 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a.","start":222.61499,"end":223.33499,"sentiment":"neutral","sentiment_score":0.015117235171298185},{"text":"Beautiful.","start":223.33499,"end":223.81499,"sentiment":"neutral","sentiment_score":0.1377500593662262},{"text":"And how old is she?","start":223.81499,"end":224.95499,"sentiment":"neutral","sentiment_score":0.0073106691241264345},{"text":"Oh, the fun age.","start":228.18,"end":229.72,"sentiment":"neutral","sentiment_score":-0.03489837143570185},{"text":"Is is the I don't know how you call it.","start":229.93999,"end":233.54,"sentiment":"neutral","sentiment_score":-0.08476513847708703}],"sentiment":"neutral","sentiment_score":-0.0333734678266489,"num_words":23,"start":222.61499,"end":233.54},{"sentences":[{"text":"The the SaaS starting to come through as 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heights or anything like that?","start":324.27,"end":330.785,"sentiment":"neutral","sentiment_score":0.006586925902714332},{"text":"No?","start":332.045,"end":332.36502,"sentiment":"neutral","sentiment_score":-0.05880700424313545},{"text":"And what kind of duties do you perform in that?","start":332.36502,"end":334.525,"sentiment":"neutral","sentiment_score":-0.03586803525686264},{"text":"Is it customer relations, people?","start":334.525,"end":338.545,"sentiment":"neutral","sentiment_score":-0.018773842602968216},{"text":"Yeah.","start":351.43,"end":351.765,"sentiment":"neutral","sentiment_score":0.020345721393823624}],"sentiment":"neutral","sentiment_score":-0.014205784055179563,"num_words":29,"start":324.27,"end":351.765},{"sentences":[{"text":"Oh, lovely.","start":356.325,"end":356.98502,"sentiment":"neutral","sentiment_score":0.22893129289150238},{"text":"Sounds busy.","start":357.36502,"end":358.18503,"sentiment":"neutral","sentiment_score":0.16139649599790573},{"text":"So you 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to ask a couple of quick questions if that was okay with you to make sure that it's still applicable to your situation.","start":715.09503,"end":721.62,"sentiment":"neutral","sentiment_score":0.08334118900475679}],"sentiment":"neutral","sentiment_score":0.05821361337952754,"num_words":68,"start":697.72,"end":721.62},{"sentences":[{"text":"What is the most aggressive investment you have ever made?","start":725.51996,"end":728.89996,"sentiment":"neutral","sentiment_score":-0.0072484536096453665},{"text":"Being the options of direct shares, manage funds, an investment property, your own home, or a high interest bank account.","start":729.19995,"end":737.015,"sentiment":"neutral","sentiment_score":0.013333180639892816},{"text":"Yeah.","start":743.075,"end":743.575,"sentiment":"neutral","sentiment_score":-0.008266745135188103},{"text":"Yeah.","start":744.835,"end":745.17,"sentiment":"neutral","sentiment_score":-0.013680221512913704},{"text":"With that's 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answer?","start":758.225,"end":762.085,"sentiment":"neutral","sentiment_score":0.03516418842429465},{"text":"Yep.","start":762.305,"end":762.805,"sentiment":"neutral","sentiment_score":0.0017985869199037552},{"text":"Okay.","start":763.665,"end":764.165,"sentiment":"neutral","sentiment_score":-0.005177563056349754}],"sentiment":"neutral","sentiment_score":0.017103193297741875,"num_words":31,"start":749.25,"end":764.165},{"sentences":[{"text":"Given you're 30 years old and preservation age is 60 at the present time to access super, it would be safe to say that you would need longer these funds would need to be invested for longer than ten years.","start":765.985,"end":780.58997,"sentiment":"neutral","sentiment_score":-0.03880486362613737},{"text":"Would you agree with that?","start":780.58997,"end":781.97,"sentiment":"neutral","sentiment_score":0.09539512395858765},{"text":"Yep.","start":783.23,"end":783.73,"sentiment":"neutral","sentiment_score":0.21773603558540344},{"text":"Beautiful.","start":783.79,"end":784.29,"sentiment":"positive","sentiment_score":0.6201411485671997},{"text":"How sorry.","start":787.375,"end":788.495,"sentiment":"neutral","sentiment_score":-0.09770120307803154}],"sentiment":"neutral","sentiment_score":-0.008831513209306464,"num_words":49,"start":765.985,"end":788.495},{"sentences":[{"text":"I just got a notice through to recharge my headset for it.","start":788.495,"end":791.535,"sentiment":"neutral","sentiment_score":-0.17712955176830292},{"text":"So if I cut out, I apologize.","start":791.535,"end":793.235,"sentiment":"neutral","sentiment_score":-0.23631171456405095},{"text":"I will phone you back.","start":793.615,"end":794.995,"sentiment":"neutral","sentiment_score":-0.11247507333755494},{"text":"So that one's fine.","start":800.36005,"end":801.24005,"sentiment":"neutral","sentiment_score":0.2112046778202057},{"text":"We'll cover that.","start":801.24005,"end":802.46,"sentiment":"neutral","sentiment_score":0.16405941049257913}],"sentiment":"neutral","sentiment_score":-0.0969391950676518,"num_words":31,"start":788.495,"end":802.46},{"sentences":[{"text":"I might skip ahead.","start":803.0,"end":804.52,"sentiment":"neutral","sentiment_score":0.03499007597565651},{"text":"Have you got that email open with the documents?","start":804.52,"end":808.30005,"sentiment":"neutral","sentiment_score":0.04774628869361348},{"text":"Yep.","start":810.92004,"end":811.24005,"sentiment":"neutral","sentiment_score":0.1629563868045807},{"text":"Okay.","start":811.24005,"end":811.605,"sentiment":"neutral","sentiment_score":0.14222177863121033},{"text":"What I might do is I'll jump to those because I think the risk profile we can play through our conversation anyway.","start":812.005,"end":818.58496,"sentiment":"neutral","sentiment_score":0.07338644259355286}],"sentiment":"neutral","sentiment_score":0.06727991363889463,"num_words":37,"start":803.0,"end":818.58496},{"sentences":[{"text":"The first document once you open it is a summary of your superannuation.","start":819.365,"end":823.865,"sentiment":"neutral","sentiment_score":0.12449076255926719},{"text":"So it's a one page document.","start":824.245,"end":826.02496,"sentiment":"neutral","sentiment_score":0.12559093783299127},{"text":"It tells you what your balance is as at today.","start":827.06,"end":831.16,"sentiment":"neutral","sentiment_score":0.11756717562675476},{"text":"Can you see that?","start":832.02,"end":833.16,"sentiment":"neutral","sentiment_score":0.0967547856271267},{"text":"Yep.","start":834.34,"end":834.74,"sentiment":"neutral","sentiment_score":0.11989027261734007}],"sentiment":"neutral","sentiment_score":0.11925019740181811,"num_words":34,"start":819.365,"end":834.74},{"sentences":[{"text":"Yep.","start":834.74,"end":835.24,"sentiment":"neutral","sentiment_score":0.1532198041677475},{"text":"And then we go on to the performance report is the next one.","start":835.3,"end":838.98,"sentiment":"neutral","sentiment_score":0.10906213006147972},{"text":"So we've pulled two performance reports for you, one being a twelve month one and one being a six month one.","start":838.98,"end":847.665,"sentiment":"neutral","sentiment_score":0.08755575404280708},{"text":"Can you tell me if you're looking at the twelve or six month one first?","start":847.725,"end":850.865,"sentiment":"neutral","sentiment_score":0.02641079028447469},{"text":"It should say up in the top hand corner left hand corner, sorry, the date range.","start":854.52496,"end":861.52997,"sentiment":"neutral","sentiment_score":0.02685064502293244}],"sentiment":"neutral","sentiment_score":0.06417379552272684,"num_words":66,"start":834.74,"end":861.52997},{"sentences":[{"text":"Okay.","start":870.07,"end":870.525,"sentiment":"neutral","sentiment_score":0.27819889783859253},{"text":"Beautiful.","start":871.565,"end":872.065,"sentiment":"positive","sentiment_score":0.5140426158905029},{"text":"June 2025.","start":874.205,"end":875.825,"sentiment":"neutral","sentiment_score":0.2791411727666855},{"text":"Okay.","start":876.445,"end":876.765,"sentiment":"neutral","sentiment_score":0.11875388026237488},{"text":"So that would so can you see the hub 24 screen?","start":876.765,"end":882.465,"sentiment":"neutral","sentiment_score":0.046019430526278236}],"sentiment":"neutral","sentiment_score":0.12346821720711887,"num_words":16,"start":870.07,"end":882.465},{"sentences":[{"text":"No.","start":885.80505,"end":886.14,"sentiment":"neutral","sentiment_score":-0.13545094430446625},{"text":"Okay.","start":886.14,"end":886.38,"sentiment":"neutral","sentiment_score":-0.11336623132228851},{"text":"So they're not in the correct order.","start":886.38,"end":888.24,"sentiment":"neutral","sentiment_score":-0.21684066099779947},{"text":"What is the heading of that document that was sent to you that you're looking at first right now?","start":888.46,"end":894.32,"sentiment":"neutral","sentiment_score":-0.018834560129203294},{"text":"The Vanguard?","start":898.46,"end":899.2,"sentiment":"neutral","sentiment_score":0.011480966582894325}],"sentiment":"neutral","sentiment_score":-0.0700532170633475,"num_words":30,"start":885.80505,"end":899.2},{"sentences":[{"text":"Okay.","start":901.42004,"end":901.74,"sentiment":"neutral","sentiment_score":0.06039096415042877},{"text":"Yeah.","start":901.74,"end":902.115,"sentiment":"neutral","sentiment_score":0.06308595091104507},{"text":"There's just usually, there's one before that.","start":902.115,"end":903.875,"sentiment":"neutral","sentiment_score":0.045385261731488366},{"text":"So we can touch on this first of all.","start":903.875,"end":905.65497,"sentiment":"neutral","sentiment_score":0.11725401878356934},{"text":"The Vanguard index chart just is probably one of the most familiar charts available for investors as a education tool.","start":905.71497,"end":915.255,"sentiment":"neutral","sentiment_score":0.2043355070054531}],"sentiment":"neutral","sentiment_score":0.14692552779850207,"num_words":38,"start":901.42004,"end":915.255},{"sentences":[{"text":"It breaks down the different sectors being international, shares, the Australian shares, property, bonds, cash as the main sectors of the market.","start":915.475,"end":927.87,"sentiment":"neutral","sentiment_score":0.13877465305003253},{"text":"And it shows you that over the long term how the the market can react to different events.","start":928.09,"end":933.705,"sentiment":"neutral","sentiment_score":0.18474769819941786},{"text":"Along the top, you'll notice that there's some some black term some black wording that shows some different events that have occurred over those periods of time, and you can see how the market's reacted with that.","start":935.84503,"end":946.5,"sentiment":"neutral","sentiment_score":-0.03834891616291291},{"text":"So as always, with all investments, there's volatility, and this is how we establish your comfort levels in regards to risk.","start":946.72,"end":955.995,"sentiment":"neutral","sentiment_score":-0.0053574335761368275},{"text":"So that's a great little tool to refer back to when understanding your exposure to the different asset classes as we move forward in the review.","start":955.995,"end":965.855,"sentiment":"positive","sentiment_score":0.46160543194183934}],"sentiment":"neutral","sentiment_score":0.13587763033912428,"num_words":124,"start":915.475,"end":965.855},{"sentences":[{"text":"Did you have any questions previously.","start":967.27496,"end":987.925,"sentiment":"neutral","sentiment_score":0.08317750894154112},{"text":"It explains who we are, who our license is, our fees, and probably the most important part of fact of a FSG is how you can if you're unhappy with any of the services provided, the options you have available for you.","start":988.305,"end":1008.83997,"sentiment":"neutral","sentiment_score":-0.007107459407831941},{"text":"Beautiful.","start":1010.89996,"end":1011.39996,"sentiment":"positive","sentiment_score":0.4495490193367005},{"text":"And what's the next document?","start":1011.515,"end":1013.135,"sentiment":"neutral","sentiment_score":0.08917778953909875},{"text":"I'm sorry.","start":1013.195,"end":1013.775,"sentiment":"neutral","sentiment_score":-0.046166930347681046}],"sentiment":"neutral","sentiment_score":0.017922426158163165,"num_words":56,"start":967.27496,"end":1013.775},{"sentences":[{"text":"Beautiful.","start":1018.315,"end":1018.815,"sentiment":"neutral","sentiment_score":0.15395455062389374},{"text":"Beautiful.","start":1026.155,"end":1026.655,"sentiment":"positive","sentiment_score":0.4913811683654785},{"text":"So this one gives us a good overview.","start":1027.27,"end":1030.49,"sentiment":"positive","sentiment_score":0.39427024498581886},{"text":"So you'll note probably the most important thing on the second page of it is the overall return is 4.15%.","start":1031.67,"end":1040.49,"sentiment":"neutral","sentiment_score":0.18174964115023612},{"text":"Now being in a high growth risk profile, which predominantly is a 90 to 10, allocation to growth assets with growth being your international and Australian shares in your property and your defensive being cashed and cash and fixed interest component.","start":1041.19,"end":1058.0701,"sentiment":"neutral","sentiment_score":0.11506940279065109}],"sentiment":"neutral","sentiment_score":0.171159662201371,"num_words":71,"start":1018.315,"end":1058.0701},{"sentences":[{"text":"So typically in that type of portfolio, I would expect to see a return of more between an eight to 10% return.","start":1058.53,"end":1067.03,"sentiment":"neutral","sentiment_score":0.12268256379122083},{"text":"That's gross of fees.","start":1067.7301,"end":1069.03,"sentiment":"neutral","sentiment_score":0.07920732721686363},{"text":"And you'll see that this one is a little bit lower, and I'll touch on why that is shortly.","start":1069.25,"end":1073.7749,"sentiment":"neutral","sentiment_score":0.05994837221346403},{"text":"But the minimum investment time frame for a high growth portfolio or investor, I should say, is eight years.","start":1074.5549,"end":1082.015,"sentiment":"neutral","sentiment_score":0.009709348215868599},{"text":"So as I go through some of these investments and explain this, I think we'll have a good understanding if whether you're still comfortable being a high growth investor.","start":1083.355,"end":1094.15,"sentiment":"neutral","sentiment_score":0.13536776383889132}],"sentiment":"neutral","sentiment_score":0.08887104894365033,"num_words":93,"start":1058.53,"end":1094.15},{"sentences":[{"text":"So if we look at the investments themselves, you'll see that Bennelong Australia at the top has had probably one of the biggest negative returns in the last twelve months.","start":1095.0901,"end":1107.125,"sentiment":"negative","sentiment_score":-0.4033771929641565},{"text":"And it's not that it's not just the performance for Bennelong or that the Australian market has performed badly.","start":1107.905,"end":1117.0299,"sentiment":"negative","sentiment_score":-0.4072909872782858},{"text":"It's probably more important to understand why the Benelon return has not been great.","start":1117.57,"end":1125.4299,"sentiment":"negative","sentiment_score":-0.4445047804287502},{"text":"The fund is more of takes more of an active approach, so it won't it won't always perform in line with what the Australian share market does as the the manage the investment manager will typically identify companies that they think have strong potential growth and they're undervalued.","start":1126.985,"end":1147.9501,"sentiment":"neutral","sentiment_score":-0.2844480024650693},{"text":"So when the investment manager has potentially potentially picked some dark horses, let's call them, the the portfolio will will be impacted.","start":1148.73,"end":1160.995,"sentiment":"negative","sentiment_score":-0.40195541422475467}],"sentiment":"negative","sentiment_score":-0.3651085316126508,"num_words":133,"start":1095.0901,"end":1160.995},{"sentences":[{"text":"So that's been going on for approximately, oh, about eighteen months now.","start":1162.175,"end":1168.19,"sentiment":"neutral","sentiment_score":-0.25289404143889743},{"text":"And given the recent performance, we would like the opportunity to be able to look at alternative options that may be more appropriate to replace the Benelong option.","start":1168.19,"end":1177.23,"sentiment":"neutral","sentiment_score":-0.0703280848850097},{"text":"Is that okay with you?","start":1177.23,"end":1178.61,"sentiment":"neutral","sentiment_score":0.028589940443634988},{"text":"Yep.","start":1179.7899,"end":1180.2899,"sentiment":"neutral","sentiment_score":0.2758204936981201},{"text":"Beautiful.","start":1180.35,"end":1180.85,"sentiment":"positive","sentiment_score":0.5315546989440918}],"sentiment":"neutral","sentiment_score":-0.0862465953018437,"num_words":47,"start":1162.175,"end":1180.85},{"sentences":[{"text":"And the other one that I wanted to highlight as a as something that we wanted to look into as well was the fact that your your bank hybrid.","start":1181.385,"end":1191.5651,"sentiment":"neutral","sentiment_score":0.10605211099930878},{"text":"So you do have a little bit of exposure to that through the beta bank hybrid ETF.","start":1191.625,"end":1197.5299,"sentiment":"neutral","sentiment_score":0.020897701382637024},{"text":"There's currently some changes happening with bank hybrids in Australia, and I think and we would like to we sort of are reviewing for all of our clients at the moment whether it's the right fit longer term.","start":1197.99,"end":1209.515,"sentiment":"neutral","sentiment_score":0.0006120896310006318},{"text":"So as I mentioned before, your portfolio is built of of a balance of growth and income producing assets depending on your risk profile, and this builds up the defend this this section takes part in the defensive sector.","start":1210.6951,"end":1226.3701,"sentiment":"neutral","sentiment_score":-0.00917020191748937},{"text":"So at the moment, hybrids are being phased out in Australia by the banks with a end date of January 2027.","start":1227.15,"end":1236.6101,"sentiment":"neutral","sentiment_score":-0.06947861860195796}],"sentiment":"neutral","sentiment_score":0.01137043529888615,"num_words":144,"start":1181.385,"end":1236.6101},{"sentences":[{"text":"So what we would like to do as well is look at reviewing those that hybrid investment to see if there is potentially another defensive type asset that we could replace it with.","start":1236.75,"end":1246.125,"sentiment":"neutral","sentiment_score":0.05999982831153003},{"text":"Is that something that you'd be okay with as well?","start":1246.665,"end":1249.085,"sentiment":"neutral","sentiment_score":0.11761907413601876},{"text":"Yep.","start":1251.545,"end":1252.045,"sentiment":"neutral","sentiment_score":0.10270219296216963},{"text":"Okay.","start":1252.1849,"end":1252.6849,"sentiment":"neutral","sentiment_score":0.02983200177550316},{"text":"And just your portfolio as a whole, I think it's probably good just to cover off on it quickly, just briefly, and please tell me if I'm boring you or anything.","start":1253.99,"end":1264.5701,"sentiment":"neutral","sentiment_score":0.15551031717369634}],"sentiment":"neutral","sentiment_score":0.10670446187845971,"num_words":76,"start":1236.75,"end":1264.5701},{"sentences":[{"text":"So the you your US investments have been an important contributor to your performance within your portfolio, and that's because The US market is heavily influenced by some of the larger companies in the world.","start":1266.925,"end":1281.02,"sentiment":"neutral","sentiment_score":0.2571794126714979},{"text":"So movements in those companies can actually have a great meaningful impact on the over on your overall portfolio.","start":1281.4,"end":1287.8201,"sentiment":"positive","sentiment_score":0.5549348341791254},{"text":"You also have an allocation to cybersecurity, which is a long term growth opportunity and more concentrated.","start":1289.48,"end":1297.4651,"sentiment":"neutral","sentiment_score":0.30227073325830345},{"text":"So we would expect that to be more volatile than the broader market at a whole.","start":1297.925,"end":1303.0651,"sentiment":"neutral","sentiment_score":-0.05686395615339279},{"text":"So you could expect some volatility, although recently it's done quite well at sitting at about 21% return.","start":1304.885,"end":1315.49,"sentiment":"neutral","sentiment_score":0.025386346504092216}],"sentiment":"neutral","sentiment_score":0.23076928282777467,"num_words":105,"start":1266.925,"end":1315.49},{"sentences":[{"text":"We would expect volatility or not volatility, but some fluctuations over time being up and down because it's quite a niche niche sector.","start":1316.99,"end":1326.255,"sentiment":"neutral","sentiment_score":-0.03645212559596352},{"text":"Your Australian investment portfolio provides you with a great source of exposure across the market.","start":1327.915,"end":1336.58,"sentiment":"positive","sentiment_score":0.5496942102909088},{"text":"The Australian market is more heavily influenced by banks and financial companies and resources, so it does behave quite differently from The US market, but you are well diversified across a few different sectors with the Australia within the Australian allocation.","start":1337.52,"end":1351.765,"sentiment":"neutral","sentiment_score":0.09997131157575584},{"text":"So overall, the portfolio is deliberately diversified across several different markets, sectors, and investment styles.","start":1353.745,"end":1361.845,"sentiment":"neutral","sentiment_score":0.259380504488945},{"text":"And at the moment, we're quite happy with it with the the view to review those two options that we talked about earlier being the Beta Bank hybrid and the Van Al Long Australian Equities Fund.","start":1362.385,"end":1375.4401,"sentiment":"positive","sentiment_score":0.4592593349516392}],"sentiment":"neutral","sentiment_score":0.24561447435273573,"num_words":130,"start":1316.99,"end":1375.4401},{"sentences":[{"text":"Did you have any questions about that?","start":1376.735,"end":1379.155,"sentiment":"neutral","sentiment_score":0.12325916119984218},{"text":"Oh, thank you.","start":1385.375,"end":1386.435,"sentiment":"neutral","sentiment_score":0.25572538872559863},{"text":"And what was the next document in your in your pack?","start":1386.895,"end":1392.32,"sentiment":"neutral","sentiment_score":0.034622783518650314},{"text":"Yeah.","start":1400.86,"end":1401.1799,"sentiment":"neutral","sentiment_score":0.02126942947506905},{"text":"So that's the thing.","start":1401.1799,"end":1402.065,"sentiment":"neutral","sentiment_score":0.021024339832365513}],"sentiment":"neutral","sentiment_score":0.08139260392636061,"num_words":26,"start":1376.735,"end":1402.065},{"sentences":[{"text":"So you'll see that the Bennelong Australian Equities Fund bounced back a little bit, and we've had a little bit more of a negative return in the gold sector, whereas previously, it was quite a large large return or profit, we should say.","start":1402.065,"end":1420.26,"sentiment":"neutral","sentiment_score":-0.18593169454225275},{"text":"So as always, the market will change and fluctuate depending on what's happening worldwide, investment wide.","start":1421.2,"end":1429.005,"sentiment":"neutral","sentiment_score":0.023352032876573503},{"text":"Wide.","start":1429.005,"end":1429.245,"sentiment":"neutral","sentiment_score":0.003380480222404003},{"text":"There's so many different variables that can impact the return.","start":1429.245,"end":1434.705,"sentiment":"neutral","sentiment_score":-0.00969916065223515},{"text":"However, given that you've got a thirty year time frame at a minimum, you are able to navigate and and hold those investments for the long term.","start":1434.765,"end":1445.12,"sentiment":"neutral","sentiment_score":0.06540632992982864}],"sentiment":"neutral","sentiment_score":-0.061330624303982124,"num_words":97,"start":1402.065,"end":1445.12},{"sentences":[{"text":"And what's the next document you have?","start":1447.1799,"end":1449.44,"sentiment":"neutral","sentiment_score":0.013750357553362846},{"text":"Yes.","start":1453.82,"end":1454.32,"sentiment":"neutral","sentiment_score":0.05094955116510391},{"text":"Yep.","start":1454.62,"end":1455.12,"sentiment":"neutral","sentiment_score":0.05049346014857292},{"text":"So what this document is is this is your to have a read through, this is our fees.","start":1455.2599,"end":1461.9551,"sentiment":"neutral","sentiment_score":0.0283750563652979},{"text":"So you'll see that our fees are capped at 1.65%.","start":1461.9551,"end":1465.795,"sentiment":"neutral","sentiment_score":0.021642984729260205}],"sentiment":"neutral","sentiment_score":0.02499665881230219,"num_words":37,"start":1447.1799,"end":1465.795},{"sentences":[{"text":"So if you just scroll down to the bottom of the first page, you see below that is the estimated fee per annum.","start":1465.795,"end":1472.22,"sentiment":"neutral","sentiment_score":0.018550444718288338},{"text":"That fee is then broken down into twelve months and deducted from your superannuation fund through hub twenty four.","start":1472.22,"end":1478.96,"sentiment":"neutral","sentiment_score":0.009464861138870842},{"text":"So if you wanted to maintain and continue the decline of Oakview Financial, we would need you to sign that.","start":1479.5,"end":1487.135,"sentiment":"neutral","sentiment_score":-0.0025196374393999577},{"text":"That's one of the forms that you would need to electronically sign and return.","start":1487.135,"end":1490.915,"sentiment":"neutral","sentiment_score":0.009606256149709225},{"text":"And did you have any questions regarding that fee?","start":1491.4551,"end":1495.4751,"sentiment":"neutral","sentiment_score":0.004785777587029669}],"sentiment":"neutral","sentiment_score":0.008631287361769116,"num_words":85,"start":1465.795,"end":1495.4751},{"sentences":[{"text":"No.","start":1498.015,"end":1498.515,"sentiment":"neutral","sentiment_score":-0.040657758712768555},{"text":"No.","start":1499.375,"end":1499.875,"sentiment":"neutral","sentiment_score":-0.001339023932814598},{"text":"And then the last document should be your tax file number that the declaration, I guess, you call it, where it would require you to sign again.","start":1500.43,"end":1512.91,"sentiment":"neutral","sentiment_score":0.003919840824824793},{"text":"It's just saying that you you approve for us to maintain your tax file number on file for your superannuation purposes.","start":1512.91,"end":1520.5549,"sentiment":"neutral","sentiment_score":-0.04411709783155294},{"text":"So and that reason being is that if we don't provide hub twenty four with your tax file number, your super fund is then taxed at a higher rate, which is not ideal for for yourself.","start":1521.015,"end":1531.595,"sentiment":"neutral","sentiment_score":-0.1590580613248878}],"sentiment":"neutral","sentiment_score":-0.07661291095969636,"num_words":86,"start":1498.015,"end":1531.595},{"sentences":[{"text":"So if that's just another form that you will need to sign and complete and return to us also.","start":1532.1,"end":1539.8,"sentiment":"neutral","sentiment_score":-0.07706636092380474},{"text":"Did you have any questions for me?","start":1543.14,"end":1546.885,"sentiment":"neutral","sentiment_score":0.07260182393448693},{"text":"Yeah.","start":1551.8251,"end":1552.3251,"sentiment":"positive","sentiment_score":0.4025290608406067},{"text":"Yeah.","start":1556.545,"end":1556.76,"sentiment":"neutral","sentiment_score":0.0882636085152626},{"text":"Yep.","start":1557.0,"end":1557.5,"sentiment":"neutral","sentiment_score":0.010140974074602129}],"sentiment":"neutral","sentiment_score":-0.015693601606221033,"num_words":29,"start":1532.1,"end":1557.5},{"sentences":[{"text":"No.","start":1561.8,"end":1561.96,"sentiment":"neutral","sentiment_score":-0.042906977236270905},{"text":"That's alright.","start":1561.96,"end":1562.6,"sentiment":"neutral","sentiment_score":0.04102597013115883},{"text":"There's one last little question one little last bit I need to go through with you, and it's just your goals and objectives.","start":1562.6,"end":1569.26,"sentiment":"neutral","sentiment_score":0.08266389094617056},{"text":"So I just wanna make sure that we have these correct and then touch on some areas that we might need to.","start":1569.56,"end":1577.445,"sentiment":"neutral","sentiment_score":0.11317305808717554},{"text":"Previously, your superannuation, you indicated that you wanted the maximum returns from your super.","start":1578.225,"end":1584.8049,"sentiment":"neutral","sentiment_score":0.0024798941532416002}],"sentiment":"neutral","sentiment_score":0.0720151653363099,"num_words":62,"start":1561.8,"end":1584.8049},{"sentences":[{"text":"So that was reviewed, and hub twenty four was recommended to be replaced.","start":1586.01,"end":1591.7101,"sentiment":"neutral","sentiment_score":-0.01808022507108175},{"text":"Has any of your has your goals for your superannuation changed, or is or do they may remain the same?","start":1593.53,"end":1603.3251,"sentiment":"neutral","sentiment_score":-0.01958946158410981},{"text":"Yep.","start":1604.265,"end":1604.765,"sentiment":"neutral","sentiment_score":-0.05559802055358887},{"text":"Okay.","start":1606.265,"end":1606.765,"sentiment":"neutral","sentiment_score":0.019898049533367157},{"text":"Do you still plan on retiring at the age of 60?","start":1606.985,"end":1609.9651,"sentiment":"neutral","sentiment_score":0.010776240717280994}],"sentiment":"neutral","sentiment_score":-0.011825945233399778,"num_words":46,"start":1586.01,"end":1609.9651},{"sentences":[{"text":"And we had a note here that you'd have you'd need about a thousand dollars a week in retirement.","start":1615.58,"end":1620.0,"sentiment":"neutral","sentiment_score":0.04162685886809701},{"text":"Is that correct?","start":1620.22,"end":1621.04,"sentiment":"neutral","sentiment_score":0.040930805106957756},{"text":"Yep.","start":1622.62,"end":1623.12,"sentiment":"neutral","sentiment_score":0.05546101555228233},{"text":"Alright.","start":1623.34,"end":1623.84,"sentiment":"neutral","sentiment_score":0.05633991211652756},{"text":"Previously, also, there was you had scoped out risk insurance as that you didn't really want them.","start":1623.98,"end":1632.935,"sentiment":"neutral","sentiment_score":-0.10939837707316175}],"sentiment":"neutral","sentiment_score":-0.02034801826244447,"num_words":41,"start":1615.58,"end":1632.935},{"sentences":[{"text":"Given that you've now had sorry.","start":1633.395,"end":1637.895,"sentiment":"neutral","sentiment_score":-0.07602842897176743},{"text":"Ella, is this something that you wanted to look at now to ensure that your family is protected from a a life PPD and income protection if anything was to happen to 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your your superannuation or your home?","start":1676.9299,"end":1685.19,"sentiment":"neutral","sentiment_score":0.01890173815190792},{"text":"Just just touching base on that.","start":1685.625,"end":1690.045,"sentiment":"neutral","sentiment_score":0.03668190104266008},{"text":"Yep.","start":1693.465,"end":1693.965,"sentiment":"neutral","sentiment_score":-0.04847485572099686}],"sentiment":"neutral","sentiment_score":0.038326658205025725,"num_words":54,"start":1657.975,"end":1693.965},{"sentences":[{"text":"Yeah.","start":1698.985,"end":1699.26,"sentiment":"neutral","sentiment_score":0.015157435089349748},{"text":"That's okay.","start":1700.78,"end":1701.42,"sentiment":"neutral","sentiment_score":0.3105403780937195},{"text":"That's perfect.","start":1701.42,"end":1702.24,"sentiment":"positive","sentiment_score":0.587863564491272},{"text":"And then just lastly, I just wanted to touch on your estate planning.","start":1702.46,"end":1706.56,"sentiment":"neutral","sentiment_score":0.1587811977817462},{"text":"I note that you don't have a will or a power of attorney.","start":1707.9,"end":1711.12,"sentiment":"neutral","sentiment_score":-0.16678235393304092}],"sentiment":"neutral","sentiment_score":0.05509517065459682,"num_words":31,"start":1698.985,"end":1711.12},{"sentences":[{"text":"Is this something that you and your wife are look planning to look 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Oh, yes. I'm speaking. I'm good. Thank you. And I I I do apologize for missing your your cover call earlier. Yeah. Yeah. Why not? Yeah. That's all good. Full name, Mohammed Nazmi. Ozcan. Date of birth, 03/25/1996. And what was that last bit that you required? Sorry. 26 Roseneas Way, Mickleham, Victoria. Yeah. It's been pretty it's been pretty good. No. Yes. Sure. Mhmm. Yep. Yep. That's correct. Yeah. Yeah. Yeah. You did. Yeah. That would be correct. By which one? Sorry. Asia. Yeah. Hey. Yeah. One one child. A girl. Ella, e e l a. 20. Yeah. Yeah. She's part of the the the trouble twos. Thank you. That's correct. Yep. It's 0420 232 522. It was correct up until the start of July. Mhmm. So I've actually left the company and gone into a new role. So the company is Melbourne Airport, And the role essentially, airport coordination. Yeah. As it says. Yes. Correct. No. Yeah. A lot of stakeholder engagement. So just coordinating with all sort of all the airport, you know, ground handlers and airlines and just sort of the the on the day coordinating of your of your operation. Yeah. Mid July. Correct. 30 eight per week. For FY '26 or moving forward in my new role? So my current role because it's EBA based. That there's obviously the the base salary on the contract, but then it's not a true reflection given, you know, all the penalties and and so forth associated with it. So did you want the base or the sort of the estimated salary? So the base, I think it was 108, if I'm not mistaken. And then that will rise to a minimum of, I think, about a 140. Non inclusive or steeper. That's so the 140 would be, yeah, inclusive of, like, the penalties, like, you know, the night loadings and I'm sorry. Or not increasing not including overtime. The super? Yeah. 12 and a half percent, I think it was. My weekly what? Sorry. Yes. Yeah. Yeah. That'd be about right. Yeah. I'm able to put some money aside. Yeah. It's what I yep. Per week. I pump yeah. Per fortnight, probably a thousand. No. Yeah. Cleaned it about just just under four years ago, actually. About $7.50? Like, what we've what we've got currently outstanding. About 450. Repayment per fortnight. What would it be? That's a great question. Let me just quickly ask my wife. Hey. What's the home loan per fortnight? 1,420. About 1,420 per fortnight. Yeah. Yep. That'd be better. No. No. No. No. Nothing else. No. No. Sorry. Thankfully, not. No. No. Mhmm. I'm not too I haven't really been involved too much, yeah, with with investing. So, yeah, not not quite sure how to answer that one. Yep. Yep. Yep. Yep. No problem. Yes. I do. Mhmm. Yeah. 07/01/1995 to 06/30/2025. No. The top yeah. Vanguard. Yep. Yep. Great. No. No questions. So let's see. Okay. Services guide. Mhmm. Yep. Awesome. That's okay. Yeah. Now it's the hub 24 perform so I've got a 08/25/2025 to 08/24/2026. Yep. That's all good. Yeah. That's fine. No. No. No question. I'll leave it in your cable by hand. Sorry. No. That that sounds good to me. The I think it's the 03/06/2001. Yep. Yep. Just the consent to new ongoing fee arrangement. Yep. Yes. Yep. No worries. I'll find that now. Perfect. Nope. Not of course. Yep. No worries. Just fine right now. No. Honestly no. It's pretty straightforward. So I'm glad to glad to see that it's still going fairly well. And yeah. No. No no real questions for me. Yeah. Thanks thanks for the update. I appreciate that. No. It's all all pretty much the same. Yeah. So nothing nothing really to change for for me. Yeah. Unless the wind tough lotto. Yeah. That's the plan. Yeah. It's about right. Yep. No. Probably not at this stage. No. Yeah. No. Not not really interested in sort of any other additional investment, you know, a little bit towards the home loan, but more the saving for, yeah, personal use. Yeah. Potentially at some point, but, yeah, not not not at this stage. No. Hello? I think I've lost you. Are you there? 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Oh, yes. I'm speaking. I'm good. Thank you.\n\nAnd I I I do apologize for missing your your cover call earlier. Yeah. Yeah. Why not? Yeah.\n\nThat's all good. Full name, Mohammed Nazmi. Ozcan. Date of birth, 03/25/1996. And what was that last bit that you required?\n\nSorry. 26 Roseneas Way, Mickleham, Victoria. Yeah. It's been pretty it's been pretty good. No.\n\nYes. Sure. Mhmm. Yep. Yep.\n\nThat's correct. Yeah. Yeah. Yeah. You did.\n\nYeah. That would be correct. By which one? Sorry. Asia.\n\nYeah. Hey. Yeah. One one child. A girl.\n\nElla, e e l a. 20. Yeah. Yeah. She's part of the the the trouble twos.\n\nThank you. That's correct. Yep. It's 0420 232 522. It was correct up until the start of July.\n\nMhmm. So I've actually left the company and gone into a new role. So the company is Melbourne Airport, And the role essentially, airport coordination. Yeah. As it says.\n\nYes. Correct. No. Yeah. A lot of stakeholder engagement.\n\nSo just coordinating with all sort of all the airport, you know, ground handlers and airlines and just sort of the the on the day coordinating of your of your operation. Yeah. Mid July. Correct. 30 eight per week.\n\nFor FY '26 or moving forward in my new role? So my current role because it's EBA based. That there's obviously the the base salary on the contract, but then it's not a true reflection given, you know, all the penalties and and so forth associated with it. So did you want the base or the sort of the estimated salary? So the base, I think it was 108, if I'm not mistaken.\n\nAnd then that will rise to a minimum of, I think, about a 140. Non inclusive or steeper. That's so the 140 would be, yeah, inclusive of, like, the penalties, like, you know, the night loadings and I'm sorry. Or not increasing not including overtime. The super?\n\nYeah. 12 and a half percent, I think it was. My weekly what? Sorry. Yes.\n\nYeah. Yeah. That'd be about right. Yeah. I'm able to put some money aside.\n\nYeah. It's what I yep. Per week. I pump yeah. Per fortnight, probably a thousand.\n\nNo. Yeah. Cleaned it about just just under four years ago, actually. About $7.50? Like, what we've what we've got currently outstanding.\n\nAbout 450. Repayment per fortnight. What would it be? That's a great question. Let me just quickly ask my wife.\n\nHey. What's the home loan per fortnight? 1,420. About 1,420 per fortnight. Yeah.\n\nYep. That'd be better. No. No. No.\n\nNo. Nothing else. No. No. Sorry.\n\nThankfully, not. No. No. Mhmm. I'm not too I haven't really been involved too much, yeah, with with investing.\n\nSo, yeah, not not quite sure how to answer that one. Yep. Yep. Yep. Yep.\n\nNo problem. Yes. I do. Mhmm. Yeah.\n\n07/01/1995 to 06/30/2025. No. The top yeah. Vanguard. Yep.\n\nYep. Great. No. No questions. So let's see.\n\nOkay. Services guide. Mhmm. Yep. Awesome.\n\nThat's okay. Yeah. Now it's the hub 24 perform so I've got a 08/25/2025 to 08/24/2026. Yep. That's all good.\n\nYeah. That's fine. No. No. No question.\n\nI'll leave it in your cable by hand. Sorry. No. That that sounds good to me. The I think it's the 03/06/2001.\n\nYep. Yep. Just the consent to new ongoing fee arrangement. Yep. Yes.\n\nYep. No worries. I'll find that now. Perfect. Nope.\n\nNot of course. Yep. No worries. Just fine right now. No.\n\nHonestly no. It's pretty straightforward. So I'm glad to glad to see that it's still going fairly well. And yeah. No.\n\nNo no real questions for me. Yeah. Thanks thanks for the update. I appreciate that. No.\n\nIt's all all pretty much the same. Yeah. So nothing nothing really to change for for me. Yeah. Unless the wind tough lotto.\n\nYeah. That's the plan. Yeah. It's about right. Yep.\n\nNo. Probably not at this stage. No. Yeah. No.\n\nNot not really interested in sort of any other additional investment, you know, a little bit towards the home loan, but more the saving for, yeah, personal use. Yeah. Potentially at some point, but, yeah, not not not at this stage. No. Hello?\n\nI think I've lost you. Are you there? Hello?","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.019822798669338223},{"text":"Oh, yes.","start":4.4,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.07583075761795044},{"text":"I'm speaking.","start":4.7999997,"end":5.46,"sentiment":"neutral","sentiment_score":0.07654200866818428},{"text":"I'm good.","start":8.0,"end":8.48,"sentiment":"positive","sentiment_score":0.48627105355262756},{"text":"Thank you.","start":8.48,"end":8.88,"sentiment":"positive","sentiment_score":0.5940432846546173}],"sentiment":"neutral","sentiment_score":0.2761330008506775,"num_words":9,"start":1.1999999,"end":8.88},{"sentences":[{"text":"And I I I do apologize for missing your your cover call earlier.","start":8.88,"end":12.66,"sentiment":"neutral","sentiment_score":-0.11080670528686963},{"text":"Yeah.","start":23.435001,"end":23.675,"sentiment":"neutral","sentiment_score":0.027911100536584858},{"text":"Yeah.","start":23.675,"end":23.994999,"sentiment":"neutral","sentiment_score":0.01828698441386223},{"text":"Why not?","start":23.994999,"end":24.735,"sentiment":"neutral","sentiment_score":0.011204292997717857},{"text":"Yeah.","start":33.16,"end":33.48,"sentiment":"neutral","sentiment_score":0.18074437975883484}],"sentiment":"neutral","sentiment_score":-0.06617422877914375,"num_words":18,"start":8.88,"end":33.48},{"sentences":[{"text":"That's all good.","start":33.48,"end":34.38,"sentiment":"positive","sentiment_score":0.4190559188524882},{"text":"Full name, Mohammed Nazmi.","start":45.765,"end":47.285,"sentiment":"neutral","sentiment_score":0.02543503697961569},{"text":"Ozcan.","start":47.285,"end":47.785,"sentiment":"neutral","sentiment_score":0.03239716589450836},{"text":"Date of birth, 03/25/1996.","start":47.925,"end":51.385,"sentiment":"neutral","sentiment_score":0.02527151396498084},{"text":"And what was that last bit that you required?","start":51.605,"end":53.765,"sentiment":"neutral","sentiment_score":0.02228932237873475}],"sentiment":"neutral","sentiment_score":0.08061881083995104,"num_words":21,"start":33.48,"end":53.765},{"sentences":[{"text":"Sorry.","start":53.765,"end":54.265,"sentiment":"neutral","sentiment_score":-0.0033265668898820877},{"text":"26 Roseneas Way, Mickleham, Victoria.","start":56.5,"end":59.079998,"sentiment":"neutral","sentiment_score":0.018843814078718425},{"text":"Yeah.","start":67.46,"end":67.78,"sentiment":"neutral","sentiment_score":0.29938361048698425},{"text":"It's been pretty it's been pretty good.","start":67.78,"end":69.8,"sentiment":"positive","sentiment_score":0.4582787411553519},{"text":"No.","start":73.975,"end":74.475,"sentiment":"neutral","sentiment_score":0.02758743241429329}],"sentiment":"neutral","sentiment_score":0.24172098229949673,"num_words":15,"start":53.765,"end":74.475},{"sentences":[{"text":"Yes.","start":82.774994,"end":83.274994,"sentiment":"neutral","sentiment_score":0.06833384931087494},{"text":"Sure.","start":119.03001,"end":119.53001,"sentiment":"neutral","sentiment_score":0.10985571146011353},{"text":"Mhmm.","start":142.45999,"end":142.95999,"sentiment":"neutral","sentiment_score":0.047102633863687515},{"text":"Yep.","start":158.625,"end":159.125,"sentiment":"neutral","sentiment_score":0.1521695852279663},{"text":"Yep.","start":177.23,"end":177.47,"sentiment":"neutral","sentiment_score":0.06288433074951172}],"sentiment":"neutral","sentiment_score":0.0880692221224308,"num_words":5,"start":82.774994,"end":177.47},{"sentences":[{"text":"That's correct.","start":177.47,"end":178.29,"sentiment":"neutral","sentiment_score":0.08306341618299484},{"text":"Yeah.","start":180.685,"end":180.845,"sentiment":"neutral","sentiment_score":0.03229909390211105},{"text":"Yeah.","start":180.845,"end":181.005,"sentiment":"neutral","sentiment_score":0.038526974618434906},{"text":"Yeah.","start":181.005,"end":181.505,"sentiment":"neutral","sentiment_score":0.04735558480024338},{"text":"You did.","start":181.645,"end":182.30501,"sentiment":"neutral","sentiment_score":0.05850813910365105}],"sentiment":"neutral","sentiment_score":0.05733210912772587,"num_words":7,"start":177.47,"end":182.30501},{"sentences":[{"text":"Yeah.","start":191.005,"end":191.16501,"sentiment":"neutral","sentiment_score":0.04930984973907471},{"text":"That would be correct.","start":191.16501,"end":192.065,"sentiment":"neutral","sentiment_score":0.0732883308082819},{"text":"By which one?","start":197.54,"end":198.18,"sentiment":"neutral","sentiment_score":-0.01068056933581829},{"text":"Sorry.","start":198.18,"end":198.68,"sentiment":"neutral","sentiment_score":-0.010504622012376784},{"text":"Asia.","start":202.42,"end":202.92,"sentiment":"neutral","sentiment_score":0.010732326656579971}],"sentiment":"neutral","sentiment_score":0.031064916960895063,"num_words":10,"start":191.005,"end":202.92},{"sentences":[{"text":"Yeah.","start":204.42,"end":204.915,"sentiment":"neutral","sentiment_score":0.16899210214614868},{"text":"Hey.","start":205.31499,"end":205.81499,"sentiment":"neutral","sentiment_score":0.19120456278324127},{"text":"Yeah.","start":210.995,"end":211.47499,"sentiment":"neutral","sentiment_score":0.02541503682732582},{"text":"One one child.","start":211.47499,"end":212.61499,"sentiment":"neutral","sentiment_score":0.029639972994724904},{"text":"A girl.","start":216.435,"end":217.09499,"sentiment":"neutral","sentiment_score":0.023656596429646015}],"sentiment":"neutral","sentiment_score":0.06523060170002282,"num_words":8,"start":204.42,"end":217.09499},{"sentences":[{"text":"Ella, e e l a.","start":220.13,"end":221.91,"sentiment":"neutral","sentiment_score":0.0123393215239048},{"text":"20.","start":225.73001,"end":226.63,"sentiment":"neutral","sentiment_score":-0.012154902331531048},{"text":"Yeah.","start":238.725,"end":239.045,"sentiment":"neutral","sentiment_score":-0.054841335862874985},{"text":"Yeah.","start":239.045,"end":239.285,"sentiment":"neutral","sentiment_score":-0.07775282114744186},{"text":"She's part of the the the trouble twos.","start":239.285,"end":241.545,"sentiment":"neutral","sentiment_score":-0.18086608313024044}],"sentiment":"neutral","sentiment_score":-0.09562381979776546,"num_words":16,"start":220.13,"end":241.545},{"sentences":[{"text":"Thank you.","start":248.08,"end":248.81999,"sentiment":"positive","sentiment_score":0.3419245332479477},{"text":"That's correct.","start":256.32,"end":257.13998,"sentiment":"neutral","sentiment_score":0.0675850659608841},{"text":"Yep.","start":260.745,"end":261.245,"sentiment":"neutral","sentiment_score":0.012682884000241756},{"text":"It's 0420 232 522.","start":261.625,"end":273.80002,"sentiment":"neutral","sentiment_score":0.01339448569342494},{"text":"It was correct up until the start of July.","start":284.82,"end":288.815,"sentiment":"neutral","sentiment_score":0.03147676338752111}],"sentiment":"neutral","sentiment_score":0.0649206053155164,"num_words":18,"start":248.08,"end":288.815},{"sentences":[{"text":"Mhmm.","start":289.675,"end":290.07498,"sentiment":"neutral","sentiment_score":0.02894114889204502},{"text":"So I've actually left the company and gone into a new role.","start":290.07498,"end":294.335,"sentiment":"neutral","sentiment_score":-0.03274891929080089},{"text":"So the company is Melbourne Airport, And the role essentially, airport coordination.","start":297.91498,"end":308.75998,"sentiment":"neutral","sentiment_score":0.05449128337204456},{"text":"Yeah.","start":316.58,"end":317.08,"sentiment":"neutral","sentiment_score":0.07747747749090195},{"text":"As it says.","start":317.535,"end":318.435,"sentiment":"neutral","sentiment_score":0.05704843004544576}],"sentiment":"neutral","sentiment_score":0.018568009844627874,"num_words":29,"start":289.675,"end":318.435},{"sentences":[{"text":"Yes.","start":322.655,"end":322.975,"sentiment":"neutral","sentiment_score":0.05936692655086517},{"text":"Correct.","start":322.975,"end":323.475,"sentiment":"neutral","sentiment_score":0.07532182335853577},{"text":"No.","start":330.895,"end":331.395,"sentiment":"neutral","sentiment_score":-0.07211107015609741},{"text":"Yeah.","start":340.08,"end":340.58,"sentiment":"neutral","sentiment_score":0.0252540223300457},{"text":"A lot of stakeholder engagement.","start":340.63998,"end":342.82,"sentiment":"neutral","sentiment_score":0.030102049559354783}],"sentiment":"neutral","sentiment_score":0.02648243887556924,"num_words":9,"start":322.655,"end":342.82},{"sentences":[{"text":"So just coordinating with all sort of all the airport, you know, ground handlers and airlines and just sort of the the on the day coordinating of your of your operation.","start":343.03998,"end":355.065,"sentiment":"neutral","sentiment_score":0.024283819741779757},{"text":"Yeah.","start":363.94,"end":364.18,"sentiment":"neutral","sentiment_score":0.07326711714267731},{"text":"Mid July.","start":364.18,"end":364.92,"sentiment":"neutral","sentiment_score":0.08525771275162697},{"text":"Correct.","start":375.49503,"end":375.99503,"sentiment":"neutral","sentiment_score":0.12311626970767976},{"text":"30 eight per 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450.","start":587.18,"end":588.56,"sentiment":"neutral","sentiment_score":-0.0056959797511808566},{"text":"Repayment per fortnight.","start":596.805,"end":598.58496,"sentiment":"neutral","sentiment_score":-0.01744225559135278},{"text":"What would it be?","start":600.165,"end":601.305,"sentiment":"neutral","sentiment_score":-0.006430265959352255},{"text":"That's a great question.","start":602.645,"end":603.685,"sentiment":"neutral","sentiment_score":0.2690434455871582},{"text":"Let me just quickly ask my wife.","start":603.685,"end":605.34,"sentiment":"neutral","sentiment_score":0.15305832879883902}],"sentiment":"neutral","sentiment_score":0.10290711469133385,"num_words":20,"start":587.18,"end":605.34},{"sentences":[{"text":"Hey.","start":606.86005,"end":607.36005,"sentiment":"neutral","sentiment_score":0.04041244834661484},{"text":"What's the home loan per 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else.","start":660.78503,"end":661.53,"sentiment":"neutral","sentiment_score":-0.04928397946059704},{"text":"No.","start":667.29004,"end":667.79004,"sentiment":"neutral","sentiment_score":-0.0387851819396019},{"text":"No.","start":674.33,"end":674.65,"sentiment":"neutral","sentiment_score":-0.10923901945352554},{"text":"Sorry.","start":674.65,"end":675.05005,"sentiment":"neutral","sentiment_score":-0.06972832977771759}],"sentiment":"neutral","sentiment_score":-0.06271328466633956,"num_words":6,"start":660.465,"end":675.05005},{"sentences":[{"text":"Thankfully, not.","start":675.05005,"end":676.03,"sentiment":"neutral","sentiment_score":0.03891587513498962},{"text":"No.","start":689.645,"end":690.145,"sentiment":"neutral","sentiment_score":-0.06541261821985245},{"text":"No.","start":696.0,"end":696.5,"sentiment":"neutral","sentiment_score":-0.06279014050960541},{"text":"Mhmm.","start":722.43994,"end":722.93994,"sentiment":"neutral","sentiment_score":0.01002631802111864},{"text":"I'm not too I haven't really been involved too much, yeah, with with investing.","start":739.545,"end":743.645,"sentiment":"neutral","sentiment_score":-0.04344000441155264}],"sentiment":"neutral","sentiment_score":-0.03413182906316299,"num_words":19,"start":675.05005,"end":743.645},{"sentences":[{"text":"So, yeah, not not quite sure how to answer that one.","start":743.705,"end":748.445,"sentiment":"neutral","sentiment_score":-0.06479255126958544},{"text":"Yep.","start":754.29004,"end":754.79004,"sentiment":"neutral","sentiment_score":0.032211288809776306},{"text":"Yep.","start":761.09,"end":761.59,"sentiment":"neutral","sentiment_score":0.0262877456843853},{"text":"Yep.","start":762.61,"end":763.11,"sentiment":"neutral","sentiment_score":0.004179831128567457},{"text":"Yep.","start":782.24,"end":782.74,"sentiment":"neutral","sentiment_score":0.12072166055440904}],"sentiment":"neutral","sentiment_score":-0.03528783585255345,"num_words":15,"start":743.705,"end":782.74},{"sentences":[{"text":"No problem.","start":795.065,"end":795.72504,"sentiment":"neutral","sentiment_score":0.17214088141918182},{"text":"Yes.","start":809.76996,"end":810.08997,"sentiment":"neutral","sentiment_score":0.1594322919845581},{"text":"I do.","start":810.08997,"end":810.75,"sentiment":"neutral","sentiment_score":0.1913454756140709},{"text":"Mhmm.","start":833.135,"end":833.455,"sentiment":"neutral","sentiment_score":0.04015389457345009},{"text":"Yeah.","start":833.455,"end":833.955,"sentiment":"neutral","sentiment_score":0.09720596671104433}],"sentiment":"neutral","sentiment_score":0.14625212390507972,"num_words":7,"start":795.065,"end":833.955},{"sentences":[{"text":"07/01/1995 to 06/30/2025.","start":863.94,"end":868.28,"sentiment":"neutral","sentiment_score":0.02152932931979497},{"text":"No.","start":884.555,"end":885.055,"sentiment":"neutral","sentiment_score":-0.1294482946395874},{"text":"The top yeah.","start":897.75,"end":900.07,"sentiment":"neutral","sentiment_score":0.022378836447993915},{"text":"Vanguard.","start":900.07,"end":900.57,"sentiment":"neutral","sentiment_score":0.02039567567408085},{"text":"Yep.","start":901.27,"end":901.77,"sentiment":"neutral","sentiment_score":0.049877092242240906}],"sentiment":"neutral","sentiment_score":0.008060996731122335,"num_words":9,"start":863.94,"end":901.77},{"sentences":[{"text":"Yep.","start":966.345,"end":966.845,"sentiment":"neutral","sentiment_score":0.14329048991203308},{"text":"Great.","start":967.14496,"end":967.64496,"sentiment":"neutral","sentiment_score":0.3270840644836426},{"text":"No.","start":969.385,"end":969.70496,"sentiment":"neutral","sentiment_score":-0.02420954778790474},{"text":"No questions.","start":969.70496,"end":970.445,"sentiment":"neutral","sentiment_score":-0.09768887236714363},{"text":"So let's see.","start":975.29004,"end":976.27,"sentiment":"neutral","sentiment_score":-0.024453923106193542}],"sentiment":"neutral","sentiment_score":0.02217818656936288,"num_words":8,"start":966.345,"end":976.27},{"sentences":[{"text":"Okay.","start":976.33,"end":976.65,"sentiment":"neutral","sentiment_score":0.01299336925148964},{"text":"Services guide.","start":976.65,"end":978.67,"sentiment":"neutral","sentiment_score":0.009387276135385036},{"text":"Mhmm.","start":985.13,"end":985.63,"sentiment":"neutral","sentiment_score":0.004384730011224747},{"text":"Yep.","start":1008.9,"end":1009.4,"sentiment":"neutral","sentiment_score":0.17121605575084686},{"text":"Awesome.","start":1009.7,"end":1010.2,"sentiment":"positive","sentiment_score":0.46898674964904785}],"sentiment":"neutral","sentiment_score":0.11272590948889653,"num_words":6,"start":976.33,"end":1010.2},{"sentences":[{"text":"That's okay.","start":1013.86005,"end":1014.60004,"sentiment":"neutral","sentiment_score":-0.002504313364624978},{"text":"Yeah.","start":1015.14,"end":1015.38,"sentiment":"neutral","sentiment_score":0.035358231514692307},{"text":"Now it's the hub 24 perform so I've got a 08/25/2025 to 08/24/2026.","start":1015.38,"end":1025.855,"sentiment":"neutral","sentiment_score":0.07651530550076412},{"text":"Yep.","start":1178.63,"end":1179.11,"sentiment":"neutral","sentiment_score":0.13455447554588318},{"text":"That's all good.","start":1179.11,"end":1180.01,"sentiment":"positive","sentiment_score":0.34554335474967957}],"sentiment":"neutral","sentiment_score":0.10981165580451488,"num_words":20,"start":1013.86005,"end":1180.01},{"sentences":[{"text":"Yeah.","start":1250.035,"end":1250.355,"sentiment":"neutral","sentiment_score":0.10602447390556335},{"text":"That's fine.","start":1250.355,"end":1251.1749,"sentiment":"neutral","sentiment_score":0.19563328474760056},{"text":"No.","start":1379.775,"end":1380.175,"sentiment":"neutral","sentiment_score":-0.05740496143698692},{"text":"No.","start":1380.175,"end":1380.495,"sentiment":"neutral","sentiment_score":-0.06525659561157227},{"text":"No question.","start":1380.495,"end":1381.135,"sentiment":"neutral","sentiment_score":-0.06690188869833946}],"sentiment":"neutral","sentiment_score":0.034403672707932334,"num_words":7,"start":1250.035,"end":1381.135},{"sentences":[{"text":"I'll leave it in your cable by hand.","start":1381.135,"end":1382.655,"sentiment":"neutral","sentiment_score":-0.07495348155498505},{"text":"Sorry.","start":1382.655,"end":1383.135,"sentiment":"neutral","sentiment_score":-0.04995089769363403},{"text":"No.","start":1383.135,"end":1383.375,"sentiment":"neutral","sentiment_score":-0.04242216795682907},{"text":"That that sounds good to me.","start":1383.375,"end":1384.755,"sentiment":"neutral","sentiment_score":0.05430438990394274},{"text":"The I think it's the 03/06/2001.","start":1398.13,"end":1400.3099,"sentiment":"neutral","sentiment_score":0.0024080754180128374}],"sentiment":"neutral","sentiment_score":-0.015987551189027727,"num_words":22,"start":1381.135,"end":1400.3099},{"sentences":[{"text":"Yep.","start":1405.89,"end":1406.175,"sentiment":"neutral","sentiment_score":-0.038695335388183594},{"text":"Yep.","start":1445.445,"end":1445.945,"sentiment":"neutral","sentiment_score":0.027496425434947017},{"text":"Just the consent to new ongoing fee arrangement.","start":1450.4099,"end":1454.0299,"sentiment":"neutral","sentiment_score":0.01432430068962276},{"text":"Yep.","start":1468.545,"end":1469.045,"sentiment":"neutral","sentiment_score":0.02298760414123535},{"text":"Yes.","start":1479.26,"end":1479.76,"sentiment":"neutral","sentiment_score":0.01690756157040596}],"sentiment":"neutral","sentiment_score":0.011940888439615568,"num_words":12,"start":1405.89,"end":1479.76},{"sentences":[{"text":"Yep.","start":1496.235,"end":1496.635,"sentiment":"neutral","sentiment_score":0.015738412737846375},{"text":"No worries.","start":1496.635,"end":1497.375,"sentiment":"neutral","sentiment_score":0.011567321605980396},{"text":"I'll find that now.","start":1497.595,"end":1498.715,"sentiment":"neutral","sentiment_score":-0.013342112535610795},{"text":"Perfect.","start":1498.715,"end":1499.215,"sentiment":"neutral","sentiment_score":0.09739266335964204},{"text":"Nope.","start":1518.135,"end":1518.635,"sentiment":"neutral","sentiment_score":-0.11880701035261154}],"sentiment":"neutral","sentiment_score":-0.003989971242845057,"num_words":9,"start":1496.235,"end":1518.635},{"sentences":[{"text":"Not of course.","start":1531.17,"end":1533.27,"sentiment":"neutral","sentiment_score":-0.1523396149277687},{"text":"Yep.","start":1540.4501,"end":1540.77,"sentiment":"neutral","sentiment_score":0.027336273342370987},{"text":"No worries.","start":1540.77,"end":1541.3301,"sentiment":"neutral","sentiment_score":0.057124191895127296},{"text":"Just fine right now.","start":1541.3301,"end":1542.39,"sentiment":"neutral","sentiment_score":0.22644543275237083},{"text":"No.","start":1547.975,"end":1548.135,"sentiment":"neutral","sentiment_score":-0.0050601474940776825}],"sentiment":"neutral","sentiment_score":0.053207945078611374,"num_words":11,"start":1531.17,"end":1548.135},{"sentences":[{"text":"Honestly no.","start":1548.135,"end":1549.895,"sentiment":"neutral","sentiment_score":0.01507178507745266},{"text":"It's pretty straightforward.","start":1549.895,"end":1550.955,"sentiment":"neutral","sentiment_score":0.13535679131746292},{"text":"So I'm glad to glad to see that it's still going fairly well.","start":1551.095,"end":1555.89,"sentiment":"positive","sentiment_score":0.5196345150470734},{"text":"And yeah.","start":1555.97,"end":1556.77,"sentiment":"neutral","sentiment_score":0.15511374175548553},{"text":"No.","start":1556.77,"end":1556.93,"sentiment":"neutral","sentiment_score":0.014436066150665283}],"sentiment":"positive","sentiment_score":0.35791077092289925,"num_words":21,"start":1548.135,"end":1556.93},{"sentences":[{"text":"No no real questions for me.","start":1556.93,"end":1558.63,"sentiment":"neutral","sentiment_score":-0.019351933151483536},{"text":"Yeah.","start":1558.77,"end":1559.01,"sentiment":"neutral","sentiment_score":0.14336948096752167},{"text":"Thanks thanks for the update.","start":1559.01,"end":1560.53,"sentiment":"positive","sentiment_score":0.4817476123571396},{"text":"I appreciate that.","start":1560.53,"end":1561.51,"sentiment":"positive","sentiment_score":0.5353353023529053},{"text":"No.","start":1601.145,"end":1601.465,"sentiment":"neutral","sentiment_score":-0.1814313232898712}],"sentiment":"neutral","sentiment_score":0.2412856579758227,"num_words":16,"start":1556.93,"end":1601.465},{"sentences":[{"text":"It's all all pretty much the same.","start":1601.465,"end":1603.145,"sentiment":"neutral","sentiment_score":-0.16469264456204005},{"text":"Yeah.","start":1603.145,"end":1603.385,"sentiment":"neutral","sentiment_score":-0.018746303394436836},{"text":"So nothing nothing really to change for for me.","start":1603.385,"end":1606.285,"sentiment":"neutral","sentiment_score":-0.13783106000887024},{"text":"Yeah.","start":1611.25,"end":1611.57,"sentiment":"neutral","sentiment_score":-0.013610918074846268},{"text":"Unless the wind tough lotto.","start":1611.57,"end":1612.95,"sentiment":"neutral","sentiment_score":-0.06247508674860001}],"sentiment":"neutral","sentiment_score":-0.11904611770549546,"num_words":23,"start":1601.465,"end":1612.95},{"sentences":[{"text":"Yeah.","start":1613.01,"end":1613.33,"sentiment":"neutral","sentiment_score":0.09233099222183228},{"text":"That's the plan.","start":1613.33,"end":1614.15,"sentiment":"neutral","sentiment_score":0.12933395554622015},{"text":"Yeah.","start":1620.85,"end":1621.17,"sentiment":"neutral","sentiment_score":0.06041388958692551},{"text":"It's about right.","start":1621.17,"end":1621.89,"sentiment":"neutral","sentiment_score":0.06915165856480598},{"text":"Yep.","start":1621.89,"end":1622.39,"sentiment":"neutral","sentiment_score":0.066976398229599}],"sentiment":"neutral","sentiment_score":0.09057534693015946,"num_words":9,"start":1613.01,"end":1622.39},{"sentences":[{"text":"No.","start":1651.5651,"end":1651.805,"sentiment":"neutral","sentiment_score":-0.1989194452762604},{"text":"Probably not at this stage.","start":1651.805,"end":1653.005,"sentiment":"neutral","sentiment_score":-0.30187644362449645},{"text":"No.","start":1653.005,"end":1653.505,"sentiment":"neutral","sentiment_score":-0.1750960797071457},{"text":"Yeah.","start":1690.175,"end":1690.675,"sentiment":"neutral","sentiment_score":-0.017495503649115562},{"text":"No.","start":1690.7351,"end":1691.135,"sentiment":"neutral","sentiment_score":-0.11236320436000824}],"sentiment":"neutral","sentiment_score":-0.22369516123500136,"num_words":9,"start":1651.5651,"end":1691.135},{"sentences":[{"text":"Not not really interested in sort of any other additional investment, you know, a little bit towards the home loan, but more the saving for, yeah, personal use.","start":1691.135,"end":1699.7,"sentiment":"neutral","sentiment_score":-0.08408274840829628},{"text":"Yeah.","start":1699.7,"end":1700.2,"sentiment":"neutral","sentiment_score":0.14677199721336365},{"text":"Potentially at some point, but, yeah, not not not at this stage.","start":1718.0349,"end":1721.5549,"sentiment":"neutral","sentiment_score":-0.1555984995017449},{"text":"No.","start":1721.5549,"end":1722.0549,"sentiment":"neutral","sentiment_score":-0.2703997492790222},{"text":"Hello?","start":1741.605,"end":1742.105,"sentiment":"neutral","sentiment_score":-0.031989336013793945}],"sentiment":"neutral","sentiment_score":-0.1017933962216904,"num_words":43,"start":1691.135,"end":1742.105},{"sentences":[{"text":"I think I've lost you.","start":1744.885,"end":1745.925,"sentiment":"negative","sentiment_score":-0.4343340814113617},{"text":"Are you there?","start":1745.925,"end":1746.745,"sentiment":"neutral","sentiment_score":-0.09916273007790248},{"text":"Hello?","start":1757.1599,"end":1757.6599,"sentiment":"neutral","sentiment_score":-0.13365216553211212}],"sentiment":"neutral","sentiment_score":-0.2892011958691809,"num_words":9,"start":1744.885,"end":1757.6599}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this Mohammed?\n\nChannel 1: Oh, yes. I'm speaking.\n\nChannel 0: It's Jenna here. How are you today?\n\nChannel 1: I'm good. Thank you. And I I I do apologize for missing your your cover call earlier.\n\nChannel 0: No. That's completely fine. I thought I would give you one more try before I finished up for the day to see if I could get a hold of you and if you had time to do your review.\n\nChannel 1: Yeah. Yeah. Why not?\n\nChannel 0: Oh, lovely. Alright. Well, but just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay with you?\n\nChannel 1: Yeah. That's all good.\n\nChannel 0: Brilliant. And just to confirm that I am speaking with the correct person, can you please confirm your full name, date of birth, and address, please?\n\nChannel 1: Full name, Mohammed Nazmi. Ozcan. Date of birth, 03/25/1996. And what was that last bit that you required? Sorry.\n\nChannel 0: Your address.\n\nChannel 1: 26 Roseneas Way, Mickleham, Victoria.\n\nChannel 0: Beautiful. Fantastic. Thank you so much for that. I'm just quickly opening up a few documents. How's your day been so far?\n\nChannel 1: Yeah. It's been pretty it's been pretty good.\n\nChannel 0: Oh, beautiful. That's good. Can't complain there.\n\nChannel 1: No.\n\nChannel 0: Okay. So what I'm gonna do first of all do you have access to your emails at all?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. What I'm gonna do is I'm just going to send you a a review pack. It's got some documents in there, and it'll come from a it will come from Voodoo sign. And you don't have to sign anything yet. We're just gonna open it up and go through the documentation.\n\nAnd then at the end, once you've had a time to at the end of the review or when you've had some time to review it, we'll get you to complete. So I'm just gonna send this through to you now. It won't be a second.\n\nChannel 1: Sure.\n\nChannel 0: Okay. Fantastic. So I've sent that through. So that might pop up in your inbox in the next few minutes.\n\nChannel 1: Mhmm.\n\nChannel 0: What I'll do in the mean time is I'd just like to start by running through your current financial situation, if that's okay, being personal and financial situation, just to make sure that all the details we have on file is correct and accurate\n\nChannel 1: Yep.\n\nChannel 0: and reflects your truth. So first of all, I'd just like to confirm your date of oh, no. You've already confirmed your date of birth. Don't worry about that. Your email address is NazmiOzkan25@Gmail.com.\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Did I say that correctly?\n\nChannel 1: Yeah. Yeah. Yeah. You did.\n\nChannel 0: Yeah. Okay. Beautiful. And your postal address, is that the same as your home address?\n\nChannel 1: Yeah. That would be correct.\n\nChannel 0: Yep. Okay. And your spouse's name, how do I pronounce that? Sorry.\n\nChannel 1: By which one? Sorry.\n\nChannel 0: Your spouse's your wife's name?\n\nChannel 1: Asia.\n\nChannel 0: Asia. Oh,\n\nChannel 1: Yeah.\n\nChannel 0: that's a beautiful name.\n\nChannel 1: Hey.\n\nChannel 0: Love that. Do you have any dependents?\n\nChannel 1: Yeah. One one child.\n\nChannel 0: One. Oh, beautiful. A boy or a girl?\n\nChannel 1: A girl.\n\nChannel 0: Aw. And what's her name?\n\nChannel 1: Ella, e e l a.\n\nChannel 0: E l a. Beautiful. And how old is she?\n\nChannel 1: 20.\n\nChannel 0: Oh, the fun age. Is is the I don't know how you call it. The the SaaS starting to come through as yet?\n\nChannel 1: Yeah. Yeah. She's part of the the the trouble twos.\n\nChannel 0: Yes. Definitely. Oh, congratulations.\n\nChannel 1: Thank you.\n\nChannel 0: I would and, also, we've got Asia down here as your next of kin. Is that still correct?\n\nChannel 1: That's correct.\n\nChannel 0: Yep. Do you have a contact number for her?\n\nChannel 1: Yep. It's\n\nChannel 0: Yep.\n\nChannel 1: 0420\n\nChannel 0: Yeah. Yep.\n\nChannel 1: 232\n\nChannel 0: Yep.\n\nChannel 1: 522.\n\nChannel 0: 522. Beautiful. Thank you for that. We have you as a workforce planning manager with Jetstar. Is that still correct?\n\nChannel 1: It was correct up until the start of July. Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: So I've actually left the company and gone into a new role.\n\nChannel 0: Okay. What's the new role?\n\nChannel 1: So the company is Melbourne Airport,\n\nChannel 0: Yep.\n\nChannel 1: And the role essentially, airport coordination.\n\nChannel 0: Okay. Sounds like a big big responsibility.\n\nChannel 1: Yeah. As it says.\n\nChannel 0: And and is that a 100% office based, like, airport based?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. And any work above 12 meters at heights or anything like that?\n\nChannel 1: No.\n\nChannel 0: No? And what kind of duties do you perform in that? Is it customer relations, people?\n\nChannel 1: Yeah. A lot of stakeholder engagement. So just coordinating with all sort of all the airport, you know, ground handlers and airlines and just sort of the\n\nChannel 0: Yeah.\n\nChannel 1: the on the day coordinating of your of your operation.\n\nChannel 0: Oh, lovely. Sounds busy. So you started in July, you said.\n\nChannel 1: Yeah. Mid July.\n\nChannel 0: Yep. Okay. Beautiful. I'm just taking down some notes as we go. And the and it's full time?\n\nChannel 1: Correct.\n\nChannel 0: Correct. And how many hours on average\n\nChannel 1: 30\n\nChannel 0: do\n\nChannel 1: eight\n\nChannel 0: you\n\nChannel 1: per\n\nChannel 0: work\n\nChannel 1: week.\n\nChannel 0: per week? Thirty eight? Beautiful. Now we had your income down as a 100,000. Has that changed\n\nChannel 1: For FY '26 or moving forward in my new role?\n\nChannel 0: Moving forward. Yeah.\n\nChannel 1: So my current role because it's EBA based. That there's obviously the the base salary on the contract, but then it's\n\nChannel 0: Yeah.\n\nChannel 1: not a true reflection given, you know, all the penalties and and so forth associated with it. So did you want the base or the sort of the estimated salary?\n\nChannel 0: You can give me the base and then the estimate if\n\nChannel 1: So the base, I think it was 108,\n\nChannel 0: you\n\nChannel 1: if\n\nChannel 0: like.\n\nChannel 1: I'm not mistaken.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And then that will rise to a minimum of, I think, about a 140.\n\nChannel 0: And does that include super, or is that overtime?\n\nChannel 1: Non\n\nChannel 0: Additional\n\nChannel 1: inclusive or\n\nChannel 0: super.\n\nChannel 1: steeper.\n\nChannel 0: Yep. So your EBA, that's just up that allows up to your overtime only.\n\nChannel 1: That's\n\nChannel 0: Is that right?\n\nChannel 1: so the 140 would be, yeah, inclusive of, like, the penalties, like, you know, the night loadings and I'm sorry. Or not increasing not including overtime.\n\nChannel 0: Yep. Okay. Alright. So that's great. So is your employer just paying the 12%, the\n\nChannel 1: The\n\nChannel 0: standard\n\nChannel 1: super?\n\nChannel 0: 12% for super? Yep.\n\nChannel 1: Yeah. 12 and a half percent, I think it was.\n\nChannel 0: Okay. So they're paying a little bit extra. And what is your weekly expenditure? We had that at 400. Has that increased?\n\nChannel 1: My weekly what? Sorry.\n\nChannel 0: Expenditure. So your living expenses outside of mortgage repayments or\n\nChannel 1: Yes.\n\nChannel 0: yep.\n\nChannel 1: Yeah. Yeah. That'd be about right.\n\nChannel 0: Yep. Okay. And do you have savings wise, are you having any surplus cash flow where you're saving at all?\n\nChannel 1: Yeah. I'm able to put some money aside. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It's what I yep.\n\nChannel 0: Yep. How much roughly per week would you estimate that to be?\n\nChannel 1: Per week. I\n\nChannel 0: Or\n\nChannel 1: pump\n\nChannel 0: per fortnight?\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Per fortnight, probably a thousand.\n\nChannel 0: Okay. And are you doing any additional salary sacrifice or superannuation contributions of any time?\n\nChannel 1: No.\n\nChannel 0: No? Okay. And last time that we you spoke with the team, you were building a house. Has that completed?\n\nChannel 1: Yeah. Cleaned it about just just under four years ago, actually.\n\nChannel 0: Oh, wow. So what is the value of your home?\n\nChannel 1: About $7.50? Like, what we've what we've got currently outstanding.\n\nChannel 0: $4.50.\n\nChannel 1: About 450.\n\nChannel 0: $4.50. And what's the what are the repayments on that roughly? Do you if off the top of your head if you know it.\n\nChannel 1: Repayment per fortnight. What would it be? That's a great question. Let me just quickly ask my wife.\n\nChannel 0: That's okay.\n\nChannel 1: Hey. What's the home loan per fortnight? 1,420. About 1,420 per fortnight.\n\nChannel 0: Beautiful. Thank you. Assets wise, we also had a motor motor vehicle valued at about 18,000. Is that still correct?\n\nChannel 1: Yeah. Yep. That'd be better.\n\nChannel 0: Yep. Yeah. Any debt against that?\n\nChannel 1: No.\n\nChannel 0: No. Any other vehicles of any description?\n\nChannel 1: No.\n\nChannel 0: No? Okay. Assets wise, is there any other assets, savings or home acquaintance or investments, any other assets that you have?\n\nChannel 1: No. No. Nothing else.\n\nChannel 0: No. No. That's wonderful. Any debt, credit cards, anything?\n\nChannel 1: No.\n\nChannel 0: No? Beautiful. Sorry to ask, but it's one of the questions. Have you ever been declared bankrupt?\n\nChannel 1: No. Sorry. Thankfully, not.\n\nChannel 0: That's good. That's good. Okay. One other moving into more of an estate planning area, do you have a will or power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: No. And are you a tax resident of any other country?\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Okay. So today, what I wanted to probably just check with you before we move into the investment side of things is just your risk profile. So, basically, that's just your approach and attitude to risk from an investment perspective.\n\nSo I just wanted to ask a couple of quick questions if that was okay with you to make sure that it's still applicable to your situation.\n\nChannel 1: Mhmm.\n\nChannel 0: What is the most aggressive investment you have ever made? Being the options of direct shares, manage funds, an investment property, your own home, or a high interest bank account.\n\nChannel 1: I'm not too I haven't really been involved too much, yeah, with with\n\nChannel 0: Yeah.\n\nChannel 1: investing. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, not not quite sure\n\nChannel 0: With\n\nChannel 1: how to answer that one.\n\nChannel 0: that's okay. What if we look at your superannuation fund? That's an investment,\n\nChannel 1: Yep.\n\nChannel 0: and you've got managed funds within there. So would you be happy with managed funds\n\nChannel 1: Yep.\n\nChannel 0: as your answer? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Given you're 30 years old and preservation age is 60 at the present time to access super, it would be safe to say that you would need longer these funds would need to be invested for longer than ten years. Would you agree with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. How sorry. I just got a notice through to recharge my headset for it. So if I cut out, I apologize.\n\nI will phone you back.\n\nChannel 1: No problem.\n\nChannel 0: So that one's fine. We'll cover that. I might skip ahead. Have you got that email open with the documents?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yep. Okay. What I might do is I'll jump to those because I think the risk profile we can play through our conversation anyway. The first document once you open it is a summary of your superannuation. So it's a one page document.\n\nIt tells you what your balance is as at today. Can you see that?\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Yep. Yep. And then we go on to the performance report is the next one. So we've pulled two performance reports for you, one being a twelve month one and one being a six month one. Can you tell me if you're looking at the twelve or six month one first?\n\nIt should say up in the top hand corner left hand corner, sorry, the date range.\n\nChannel 1: 07/01/1995 to 06/30/2025.\n\nChannel 0: Okay. Beautiful. June 2025. Okay. So that would so can you see the hub 24 screen?\n\nChannel 1: No.\n\nChannel 0: No. Okay. So they're not in the correct order. What is the heading of that document that was sent to you that you're looking at first right now?\n\nChannel 1: The\n\nChannel 0: The\n\nChannel 1: top\n\nChannel 0: Vanguard?\n\nChannel 1: yeah. Vanguard. Yep.\n\nChannel 0: Okay. Yeah. There's just usually, there's one before that. So we can touch on this first of all. The Vanguard index chart just is probably one of the most familiar charts available for investors as a education tool.\n\nIt breaks down the different sectors being international, shares, the Australian shares, property, bonds, cash as the main sectors of the market. And it shows you that over the long term how the the market can react to different events. Along the top, you'll notice that there's some some black term some black wording that shows some different events that have occurred over those periods of time, and you can see how the market's reacted with that. So as always, with all investments, there's volatility, and this is how we establish your comfort levels in regards to risk. So that's a great little tool to refer back to when understanding your exposure to the different asset classes as we move forward in the review.\n\nChannel 1: Yep. Great.\n\nChannel 0: Did you have any questions\n\nChannel 1: No. No questions. So let's see. Okay. Services guide.\n\nMhmm.\n\nChannel 0: previously. It explains who we are, who our license is, our fees, and probably the most important part of fact of a FSG is how you can if you're unhappy with any of the services provided, the options you have available for you.\n\nChannel 1: Yep. Awesome.\n\nChannel 0: Beautiful. And what's the next document? I'm sorry.\n\nChannel 1: That's okay. Yeah. Now it's the hub 24 perform\n\nChannel 0: Beautiful.\n\nChannel 1: so I've got a 08/25/2025 to 08/24/2026.\n\nChannel 0: Beautiful. So this one gives us a good overview. So you'll note probably the most important thing on the second page of it is the overall return is 4.15%. Now being in a high growth risk profile, which predominantly is a 90 to 10, allocation to growth assets with growth being your international and Australian shares in your property and your defensive being cashed and cash and fixed interest component. So typically in that type of portfolio, I would expect to see a return of more between an eight to 10% return.\n\nThat's gross of fees. And you'll see that this one is a little bit lower, and I'll touch on why that is shortly. But the minimum investment time frame for a high growth portfolio or investor, I should say, is eight years. So as I go through some of these investments and explain this, I think we'll have a good understanding if whether you're still comfortable being a high growth investor. So if we look at the investments themselves, you'll see that Bennelong Australia at the top has had probably one of the biggest negative returns in the last twelve months.\n\nAnd it's not that it's not just the performance for Bennelong or that the Australian market has performed badly. It's probably more important to understand why the Benelon return has not been great. The fund is more of takes more of an active approach, so it won't it won't always perform in line with what the Australian share market does as the the manage the investment manager will typically identify companies that they think have strong potential growth and they're undervalued. So when the investment manager has potentially potentially picked some dark horses, let's call them, the the portfolio will will be impacted. So that's been going on for approximately, oh, about eighteen months now.\n\nAnd given the recent performance, we would like the opportunity to be able to look at alternative options that may be more appropriate to replace the Benelong option. Is that okay with you?\n\nChannel 1: Yep. That's all good.\n\nChannel 0: Yep. Beautiful. And the other one that I wanted to highlight as a as something that we wanted to look into as well was the fact that your your bank hybrid. So you do have a little bit of exposure to that through the beta bank hybrid ETF. There's currently some changes happening with bank hybrids in Australia, and I think and we would like to we sort of are reviewing for all of our clients at the moment whether it's the right fit longer term.\n\nSo as I mentioned before, your portfolio is built of of a balance of growth and income producing assets depending on your risk profile, and this builds up the defend this this section takes part in the defensive sector. So at the moment, hybrids are being phased out in Australia by the banks with a end date of January 2027. So what we would like to do as well is look at reviewing those that hybrid investment to see if there is potentially another defensive type asset that we could replace it with. Is that something that you'd be okay with as well?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Okay. And just your portfolio as a whole, I think it's probably good just to cover off on it quickly, just briefly, and please tell me if I'm boring you or anything. So the you your US investments have been an important contributor to your performance within your portfolio, and that's because The US market is heavily influenced by some of the larger companies in the world. So movements in those companies can actually have a great meaningful impact on the over on your overall portfolio.\n\nYou also have an allocation to cybersecurity, which is a long term growth opportunity and more concentrated. So we would expect that to be more volatile than the broader market at a whole. So you could expect some volatility, although recently it's done quite well at sitting at about 21% return. We would expect volatility or not volatility, but some fluctuations over time being up and down because it's quite a niche niche sector. Your Australian investment portfolio provides you with a great source of exposure across the market.\n\nThe Australian market is more heavily influenced by banks and financial companies and resources, so it does behave quite differently from The US market, but you are well diversified across a few different sectors with the Australia within the Australian allocation. So overall, the portfolio is deliberately diversified across several different markets, sectors, and investment styles. And at the moment, we're quite happy with it with the the view to review those two options that we talked about earlier being the Beta Bank hybrid and the Van Al Long Australian Equities Fund. Did you have any questions about that?\n\nChannel 1: No. No. No question. I'll leave it in your cable by hand. Sorry.\n\nNo. That that sounds good to me.\n\nChannel 0: Oh, thank you. And what was the next document in your in your pack?\n\nChannel 1: The I think it's the 03/06/2001.\n\nChannel 0: Yeah. So that's the thing. So you'll see that the Bennelong Australian Equities Fund bounced back a little bit,\n\nChannel 1: Yep.\n\nChannel 0: and we've had a little bit more of a negative return in the gold sector, whereas previously, it was quite a large large return or profit, we should say. So as always, the market will change and fluctuate depending on what's happening worldwide, investment wide. Wide. There's so many different variables that can impact the return. However, given that you've got a thirty year time frame at a minimum, you are able to navigate and and hold those investments for the long term.\n\nChannel 1: Yep.\n\nChannel 0: And what's the next document you have?\n\nChannel 1: Just the consent to new ongoing fee arrangement.\n\nChannel 0: Yes. Yep. So what this document is is this is your to have a read through, this is our fees. So you'll see that our fees are capped at 1.65%. So if you just scroll down to the bottom of the first page,\n\nChannel 1: Yep.\n\nChannel 0: you see below that is the estimated fee per annum. That fee is then broken down into twelve months and deducted from your superannuation fund through hub twenty four.\n\nChannel 1: Yes.\n\nChannel 0: So if you wanted to maintain and continue the decline of Oakview Financial, we would need you to sign that. That's one of the forms that you would need to electronically sign and return. And did you have any questions regarding that fee?\n\nChannel 1: Yep. No worries. I'll find\n\nChannel 0: No.\n\nChannel 1: that now. Perfect.\n\nChannel 0: No. And then the last document should be your tax file number that the declaration, I guess, you call it, where it would require you to sign again. It's just saying that you you approve for us to maintain your tax file number on\n\nChannel 1: Nope.\n\nChannel 0: file for your superannuation purposes. So and that reason being is that if we don't provide hub twenty four with your tax file number, your super fund is then taxed at a higher rate, which is not ideal for for yourself.\n\nChannel 1: Not\n\nChannel 0: So if\n\nChannel 1: of\n\nChannel 0: that's\n\nChannel 1: course.\n\nChannel 0: just another form that you will need to sign and complete and return to us also.\n\nChannel 1: Yep. No worries. Just fine right now.\n\nChannel 0: Did you have any questions for me?\n\nChannel 1: No. Honestly no. It's pretty straightforward. So I'm\n\nChannel 0: Yeah.\n\nChannel 1: glad to glad to see that it's still going fairly well. And yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. No\n\nChannel 0: Yep.\n\nChannel 1: no real questions for me. Yeah. Thanks thanks for the update. I appreciate that.\n\nChannel 0: No. That's alright. There's one last little question one little last bit I need to go through with you, and it's just your goals and objectives. So I just wanna make sure that we have these correct and then touch on some areas that we might need to. Previously, your superannuation, you indicated that you wanted the maximum returns from your super.\n\nSo that was reviewed, and hub twenty four was recommended to be replaced. Has any of your has your goals for your superannuation changed, or is or do they may remain the\n\nChannel 1: No. It's all all pretty much the\n\nChannel 0: same?\n\nChannel 1: same. Yeah. So nothing nothing\n\nChannel 0: Yep.\n\nChannel 1: really to change for for me.\n\nChannel 0: Okay. Do you still plan on retiring at the age of 60?\n\nChannel 1: Yeah. Unless the wind tough lotto. Yeah. That's the plan.\n\nChannel 0: And we had a note here that you'd have you'd need about a thousand dollars a week in retirement. Is that correct?\n\nChannel 1: Yeah. It's about right. Yep.\n\nChannel 0: Yep. Alright. Previously, also, there was you had scoped out risk insurance as that you didn't really want them. Given that you've now had sorry. Ella, is this something that you wanted to look at now to ensure that your family is protected from a a life PPD and income protection if anything was to happen to you?\n\nChannel 1: No. Probably not at this stage. No.\n\nChannel 0: No. That's okay. That's fine. And then the cash flow and budgeting, I note that you have a fair amount of surplus cash flow. Are you directing that in to your your mortgage to make additional repayments?\n\nAre you interested in building an investment outside of your your superannuation or your home? Just just touching base on that.\n\nChannel 1: Yeah. No. Not not really interested in sort of any other additional\n\nChannel 0: Yep.\n\nChannel 1: investment, you know, a little bit towards the home loan, but more the saving for, yeah, personal\n\nChannel 0: Yeah.\n\nChannel 1: use. Yeah.\n\nChannel 0: That's okay. That's perfect. And then just lastly, I just wanted to touch on your estate planning. I note that you don't have a will or a power of attorney. Is this something that you and your wife are look planning to look into?\n\nChannel 1: Potentially at some point, but, yeah, not\n\nChannel 0: Yeah.\n\nChannel 1: not not at this stage. No.\n\nChannel 0: No. It's. Okay. That's no worries at all. If you ever do, we do have a professional partner that we can refer you to and send you through a brochure for you to review that if you like.\n\nIt gives you an outline of costs and\n\nChannel 1: Hello? I think I've lost you. Are you there? Hello?","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.019822798669338223}],"sentiment":"neutral","sentiment_score":0.019822798669338223,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi.","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.03313026577234268},{"text":"Is this Mohammed?","start":3.04,"end":4.02,"sentiment":"neutral","sentiment_score":0.027347066750129063}],"sentiment":"neutral","sentiment_score":0.02879286650568247,"channel":0,"num_words":4,"start":2.56,"end":4.02},{"sentences":[{"text":"Oh, yes.","start":4.4,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.07583075761795044},{"text":"I'm speaking.","start":4.7999997,"end":5.46,"sentiment":"neutral","sentiment_score":0.07654200866818428}],"sentiment":"neutral","sentiment_score":0.07618638314306736,"channel":1,"num_words":4,"start":4.4,"end":5.46},{"sentences":[{"text":"It's Jenna here.","start":5.92,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.14013191560904184},{"text":"How are you today?","start":6.7999997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.21452800929546356}],"sentiment":"neutral","sentiment_score":0.18264396914413997,"channel":0,"num_words":7,"start":5.92,"end":7.8599997},{"sentences":[{"text":"I'm good.","start":8.0,"end":8.48,"sentiment":"positive","sentiment_score":0.48627105355262756},{"text":"Thank you.","start":8.48,"end":8.88,"sentiment":"positive","sentiment_score":0.5940432846546173},{"text":"And I I I do apologize for missing your your cover call earlier.","start":8.88,"end":12.66,"sentiment":"neutral","sentiment_score":-0.11080670528686963}],"sentiment":"neutral","sentiment_score":0.04236126515795203,"channel":1,"num_words":17,"start":8.0,"end":12.66},{"sentences":[{"text":"No.","start":13.36,"end":13.5199995,"sentiment":"neutral","sentiment_score":-0.0642196387052536},{"text":"That's completely fine.","start":13.5199995,"end":14.445,"sentiment":"neutral","sentiment_score":0.07556844502687454},{"text":"I thought I would give you one more try before I finished up for the day to see if I could get a hold of you and if you had time to do your review.","start":14.445,"end":23.025,"sentiment":"neutral","sentiment_score":0.003676894786102431}],"sentiment":"neutral","sentiment_score":0.007466077279203977,"channel":0,"num_words":39,"start":13.36,"end":23.025},{"sentences":[{"text":"Yeah.","start":23.435001,"end":23.675,"sentiment":"neutral","sentiment_score":0.027911100536584858},{"text":"Yeah.","start":23.675,"end":23.994999,"sentiment":"neutral","sentiment_score":0.01828698441386223},{"text":"Why not?","start":23.994999,"end":24.735,"sentiment":"neutral","sentiment_score":0.011204292997717857}],"sentiment":"neutral","sentiment_score":0.0171516677364707,"channel":1,"num_words":4,"start":23.435001,"end":24.735},{"sentences":[{"text":"Oh, lovely.","start":25.165,"end":25.825,"sentiment":"neutral","sentiment_score":0.20394331961870193},{"text":"Alright.","start":25.885,"end":26.125,"sentiment":"neutral","sentiment_score":0.13268432021141052},{"text":"Well, but just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":26.125,"end":31.810001,"sentiment":"neutral","sentiment_score":0.03478101257234812},{"text":"Is that okay with you?","start":31.810001,"end":33.19,"sentiment":"neutral","sentiment_score":0.05330448187887669}],"sentiment":"neutral","sentiment_score":0.050806626762178814,"channel":0,"num_words":33,"start":25.165,"end":33.19},{"sentences":[{"text":"Yeah.","start":33.16,"end":33.48,"sentiment":"neutral","sentiment_score":0.18074437975883484},{"text":"That's all good.","start":33.48,"end":34.38,"sentiment":"positive","sentiment_score":0.4190559188524882}],"sentiment":"positive","sentiment_score":0.35947803407907486,"channel":1,"num_words":4,"start":33.16,"end":34.38},{"sentences":[{"text":"Brilliant.","start":34.93,"end":35.43,"sentiment":"positive","sentiment_score":0.5251874327659607},{"text":"And just to confirm that I am speaking with the correct person, can you please confirm your full name, date of birth, and address, please?","start":35.89,"end":44.385002,"sentiment":"neutral","sentiment_score":0.08650926396250724}],"sentiment":"neutral","sentiment_score":0.10338150122417854,"channel":0,"num_words":26,"start":34.93,"end":44.385002},{"sentences":[{"text":"Full name, Mohammed Nazmi.","start":45.765,"end":47.285,"sentiment":"neutral","sentiment_score":0.02543503697961569},{"text":"Ozcan.","start":47.285,"end":47.785,"sentiment":"neutral","sentiment_score":0.03239716589450836},{"text":"Date of birth, 03/25/1996.","start":47.925,"end":51.385,"sentiment":"neutral","sentiment_score":0.02527151396498084},{"text":"And what was that last bit that you required?","start":51.605,"end":53.765,"sentiment":"neutral","sentiment_score":0.02228932237873475},{"text":"Sorry.","start":53.765,"end":54.265,"sentiment":"neutral","sentiment_score":-0.0033265668898820877}],"sentiment":"neutral","sentiment_score":0.022763194957453953,"channel":1,"num_words":19,"start":45.765,"end":54.265},{"sentences":[{"text":"Your address.","start":54.605,"end":55.425,"sentiment":"neutral","sentiment_score":0.004314428893849254}],"sentiment":"neutral","sentiment_score":0.004314428893849254,"channel":0,"num_words":2,"start":54.605,"end":55.425},{"sentences":[{"text":"26 Roseneas Way, Mickleham, Victoria.","start":56.5,"end":59.079998,"sentiment":"neutral","sentiment_score":0.018843814078718425}],"sentiment":"neutral","sentiment_score":0.018843814078718425,"channel":1,"num_words":5,"start":56.5,"end":59.079998},{"sentences":[{"text":"Beautiful.","start":59.62,"end":60.02,"sentiment":"positive","sentiment_score":0.44881588220596313},{"text":"Fantastic.","start":60.02,"end":60.52,"sentiment":"positive","sentiment_score":0.6220437288284302},{"text":"Thank you so much for that.","start":60.82,"end":62.28,"sentiment":"positive","sentiment_score":0.6587949295838674},{"text":"I'm just quickly opening up a few documents.","start":62.5,"end":65.7,"sentiment":"positive","sentiment_score":0.3799189105629921},{"text":"How's your day been so far?","start":65.7,"end":67.32,"sentiment":"neutral","sentiment_score":0.23730342338482538}],"sentiment":"positive","sentiment_score":0.4312182278795676,"channel":0,"num_words":22,"start":59.62,"end":67.32},{"sentences":[{"text":"Yeah.","start":67.46,"end":67.78,"sentiment":"neutral","sentiment_score":0.29938361048698425},{"text":"It's been pretty it's been pretty good.","start":67.78,"end":69.8,"sentiment":"positive","sentiment_score":0.4582787411553519}],"sentiment":"positive","sentiment_score":0.43841684982180595,"channel":1,"num_words":8,"start":67.46,"end":69.8},{"sentences":[{"text":"Oh, beautiful.","start":70.34,"end":71.24,"sentiment":"positive","sentiment_score":0.4395473003387451},{"text":"That's good.","start":71.46,"end":72.2,"sentiment":"positive","sentiment_score":0.44677087664604187},{"text":"Can't complain there.","start":72.58,"end":73.88,"sentiment":"neutral","sentiment_score":0.17380185425281525}],"sentiment":"neutral","sentiment_score":0.32772027381828855,"channel":0,"num_words":7,"start":70.34,"end":73.88},{"sentences":[{"text":"No.","start":73.975,"end":74.475,"sentiment":"neutral","sentiment_score":0.02758743241429329}],"sentiment":"neutral","sentiment_score":0.02758743241429329,"channel":1,"num_words":1,"start":73.975,"end":74.475},{"sentences":[{"text":"Okay.","start":75.665,"end":76.165,"sentiment":"neutral","sentiment_score":0.0322735533118248},{"text":"So what I'm gonna do first of all do you have access to your emails at all?","start":76.225,"end":81.205,"sentiment":"neutral","sentiment_score":0.032720099915476406}],"sentiment":"neutral","sentiment_score":0.032695291770829096,"channel":0,"num_words":18,"start":75.665,"end":81.205},{"sentences":[{"text":"Yes.","start":82.774994,"end":83.274994,"sentiment":"neutral","sentiment_score":0.06833384931087494}],"sentiment":"neutral","sentiment_score":0.06833384931087494,"channel":1,"num_words":1,"start":82.774994,"end":83.274994},{"sentences":[{"text":"Yeah.","start":84.305,"end":84.805,"sentiment":"neutral","sentiment_score":0.08754144608974457},{"text":"What I'm gonna do is I'm just going to send you a a review pack.","start":85.025,"end":91.119995,"sentiment":"neutral","sentiment_score":0.1283064141869545},{"text":"It's got some documents in there, and it'll come from a it will come from Voodoo sign.","start":91.119995,"end":97.78,"sentiment":"neutral","sentiment_score":0.10742469526389066},{"text":"And you don't have to sign anything yet.","start":99.119995,"end":101.2,"sentiment":"neutral","sentiment_score":0.0820442414842546},{"text":"We're just gonna open it up and go through the documentation.","start":101.2,"end":104.34,"sentiment":"neutral","sentiment_score":0.1242731051011519}],"sentiment":"neutral","sentiment_score":0.11272529935320982,"channel":0,"num_words":52,"start":84.305,"end":104.34},{"sentences":[{"text":"And then at the end, once you've had a time to at the end of the review or when you've had some time to review it, we'll get you to complete.","start":105.495,"end":115.115005,"sentiment":"neutral","sentiment_score":0.11274648674072758},{"text":"So I'm just gonna send this through to you now.","start":115.255005,"end":117.55,"sentiment":"neutral","sentiment_score":0.17066000998020173},{"text":"It won't be a second.","start":117.55,"end":118.85,"sentiment":"neutral","sentiment_score":0.12635452896356583}],"sentiment":"neutral","sentiment_score":0.12681551812135655,"channel":0,"num_words":46,"start":105.495,"end":118.85},{"sentences":[{"text":"Sure.","start":119.03001,"end":119.53001,"sentiment":"neutral","sentiment_score":0.10985571146011353}],"sentiment":"neutral","sentiment_score":0.10985571146011353,"channel":1,"num_words":1,"start":119.03001,"end":119.53001},{"sentences":[{"text":"Okay.","start":132.35,"end":132.795,"sentiment":"neutral","sentiment_score":0.06626572459936142},{"text":"Fantastic.","start":137.515,"end":137.915,"sentiment":"positive","sentiment_score":0.795580267906189},{"text":"So I've sent that through.","start":137.915,"end":138.875,"sentiment":"positive","sentiment_score":0.5033000469207763},{"text":"So that might pop up in your inbox in the next few minutes.","start":138.875,"end":142.095,"sentiment":"positive","sentiment_score":0.333864477964548}],"sentiment":"positive","sentiment_score":0.3859292220324278,"channel":0,"num_words":20,"start":132.35,"end":142.095},{"sentences":[{"text":"Mhmm.","start":142.45999,"end":142.95999,"sentiment":"neutral","sentiment_score":0.047102633863687515}],"sentiment":"neutral","sentiment_score":0.047102633863687515,"channel":1,"num_words":1,"start":142.45999,"end":142.95999},{"sentences":[{"text":"What I'll do in the mean time is I'd just like to start by running through your current financial situation, if that's okay, being personal and financial situation, just to make sure that all the details we have on file is correct and 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years.","start":765.985,"end":780.58997,"sentiment":"neutral","sentiment_score":-0.03880486362613737},{"text":"Would you agree with that?","start":780.58997,"end":781.97,"sentiment":"neutral","sentiment_score":0.09539512395858765}],"sentiment":"neutral","sentiment_score":-0.023486880180628403,"channel":0,"num_words":46,"start":763.665,"end":781.97},{"sentences":[{"text":"Yep.","start":782.24,"end":782.74,"sentiment":"neutral","sentiment_score":0.12072166055440904}],"sentiment":"neutral","sentiment_score":0.12072166055440904,"channel":1,"num_words":1,"start":782.24,"end":782.74},{"sentences":[{"text":"Yep.","start":783.23,"end":783.73,"sentiment":"neutral","sentiment_score":0.21773603558540344},{"text":"Beautiful.","start":783.79,"end":784.29,"sentiment":"positive","sentiment_score":0.6201411485671997},{"text":"How sorry.","start":787.375,"end":788.495,"sentiment":"neutral","sentiment_score":-0.09770120307803154},{"text":"I just got a notice through to recharge my headset for 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fine.","start":800.36005,"end":801.24005,"sentiment":"neutral","sentiment_score":0.2112046778202057},{"text":"We'll cover that.","start":801.24005,"end":802.46,"sentiment":"neutral","sentiment_score":0.16405941049257913},{"text":"I might skip ahead.","start":803.0,"end":804.52,"sentiment":"neutral","sentiment_score":0.03499007597565651},{"text":"Have you got that email open with the documents?","start":804.52,"end":808.30005,"sentiment":"neutral","sentiment_score":0.04774628869361348}],"sentiment":"neutral","sentiment_score":0.09533369224518537,"channel":0,"num_words":20,"start":800.36005,"end":808.30005},{"sentences":[{"text":"Yes.","start":809.76996,"end":810.08997,"sentiment":"neutral","sentiment_score":0.1594322919845581},{"text":"I do.","start":810.08997,"end":810.75,"sentiment":"neutral","sentiment_score":0.1913454756140709}],"sentiment":"neutral","sentiment_score":0.18070774773756662,"channel":1,"num_words":3,"start":809.76996,"end":810.75},{"sentences":[{"text":"Yep.","start":810.92004,"end":811.24005,"sentiment":"neutral","sentiment_score":0.1629563868045807},{"text":"Okay.","start":811.24005,"end":811.605,"sentiment":"neutral","sentiment_score":0.14222177863121033},{"text":"What I might do is I'll jump to those because I think the risk profile we can play through our conversation anyway.","start":812.005,"end":818.58496,"sentiment":"neutral","sentiment_score":0.07338644259355286},{"text":"The first document once you open it is a summary of your superannuation.","start":819.365,"end":823.865,"sentiment":"neutral","sentiment_score":0.12449076255926719},{"text":"So it's a one page document.","start":824.245,"end":826.02496,"sentiment":"neutral","sentiment_score":0.12559093783299127}],"sentiment":"neutral","sentiment_score":0.09980477773865988,"channel":0,"num_words":43,"start":810.92004,"end":826.02496},{"sentences":[{"text":"It tells you what your balance is as at today.","start":827.06,"end":831.16,"sentiment":"neutral","sentiment_score":0.11756717562675476},{"text":"Can you see that?","start":832.02,"end":833.16,"sentiment":"neutral","sentiment_score":0.0967547856271267}],"sentiment":"neutral","sentiment_score":0.11162077848400388,"channel":0,"num_words":14,"start":827.06,"end":833.16},{"sentences":[{"text":"Mhmm.","start":833.135,"end":833.455,"sentiment":"neutral","sentiment_score":0.04015389457345009},{"text":"Yeah.","start":833.455,"end":833.955,"sentiment":"neutral","sentiment_score":0.09720596671104433}],"sentiment":"neutral","sentiment_score":0.0686799306422472,"channel":1,"num_words":2,"start":833.135,"end":833.955},{"sentences":[{"text":"Yep.","start":834.34,"end":834.74,"sentiment":"neutral","sentiment_score":0.11989027261734007},{"text":"Yep.","start":834.74,"end":835.24,"sentiment":"neutral","sentiment_score":0.1532198041677475},{"text":"And then we go on to the performance report is the next one.","start":835.3,"end":838.98,"sentiment":"neutral","sentiment_score":0.10906213006147972},{"text":"So we've pulled two performance reports for you, one being a twelve month one and one being a six month one.","start":838.98,"end":847.665,"sentiment":"neutral","sentiment_score":0.08755575404280708},{"text":"Can you tell me if you're looking at the twelve or six month one first?","start":847.725,"end":850.865,"sentiment":"neutral","sentiment_score":0.02641079028447469}],"sentiment":"neutral","sentiment_score":0.07697549915196848,"channel":0,"num_words":51,"start":834.34,"end":850.865},{"sentences":[{"text":"It should say up in the top hand corner left hand corner, sorry, the date range.","start":854.52496,"end":861.52997,"sentiment":"neutral","sentiment_score":0.02685064502293244}],"sentiment":"neutral","sentiment_score":0.02685064502293244,"channel":0,"num_words":16,"start":854.52496,"end":861.52997},{"sentences":[{"text":"07/01/1995 to 06/30/2025.","start":863.94,"end":868.28,"sentiment":"neutral","sentiment_score":0.02152932931979497}],"sentiment":"neutral","sentiment_score":0.02152932931979497,"channel":1,"num_words":3,"start":863.94,"end":868.28},{"sentences":[{"text":"Okay.","start":870.07,"end":870.525,"sentiment":"neutral","sentiment_score":0.27819889783859253},{"text":"Beautiful.","start":871.565,"end":872.065,"sentiment":"positive","sentiment_score":0.5140426158905029},{"text":"June 2025.","start":874.205,"end":875.825,"sentiment":"neutral","sentiment_score":0.2791411727666855},{"text":"Okay.","start":876.445,"end":876.765,"sentiment":"neutral","sentiment_score":0.11875388026237488},{"text":"So that would so can you see the hub 24 screen?","start":876.765,"end":882.465,"sentiment":"neutral","sentiment_score":0.046019430526278236}],"sentiment":"neutral","sentiment_score":0.12346821720711887,"channel":0,"num_words":16,"start":870.07,"end":882.465},{"sentences":[{"text":"No.","start":884.555,"end":885.055,"sentiment":"neutral","sentiment_score":-0.1294482946395874}],"sentiment":"neutral","sentiment_score":-0.1294482946395874,"channel":1,"num_words":1,"start":884.555,"end":885.055},{"sentences":[{"text":"No.","start":885.80505,"end":886.14,"sentiment":"neutral","sentiment_score":-0.13545094430446625},{"text":"Okay.","start":886.14,"end":886.38,"sentiment":"neutral","sentiment_score":-0.11336623132228851},{"text":"So they're not in the correct order.","start":886.38,"end":888.24,"sentiment":"neutral","sentiment_score":-0.21684066099779947},{"text":"What is the heading of that document that was sent to you that you're looking at first right now?","start":888.46,"end":894.32,"sentiment":"neutral","sentiment_score":-0.018834560129203294}],"sentiment":"neutral","sentiment_score":-0.07587708732379335,"channel":0,"num_words":28,"start":885.80505,"end":894.32},{"sentences":[{"text":"The","start":897.75,"end":898.25,"sentiment":"neutral","sentiment_score":0.005540745332837105}],"sentiment":"neutral","sentiment_score":0.005540745332837105,"channel":1,"num_words":1,"start":897.75,"end":898.25},{"sentences":[{"text":"The","start":898.46,"end":898.7,"sentiment":"neutral","sentiment_score":0.008469069376587868}],"sentiment":"neutral","sentiment_score":0.008469069376587868,"channel":0,"num_words":1,"start":898.46,"end":898.7},{"sentences":[{"text":"top","start":898.63,"end":899.13,"sentiment":"neutral","sentiment_score":0.029046177864074707}],"sentiment":"neutral","sentiment_score":0.029046177864074707,"channel":1,"num_words":1,"start":898.63,"end":899.13},{"sentences":[{"text":"Vanguard?","start":898.7,"end":899.2,"sentiment":"neutral","sentiment_score":0.014492863789200785}],"sentiment":"neutral","sentiment_score":0.014492863789200785,"channel":0,"num_words":1,"start":898.7,"end":899.2},{"sentences":[{"text":"yeah.","start":899.67,"end":900.07,"sentiment":"neutral","sentiment_score":0.03254958614706993},{"text":"Vanguard.","start":900.07,"end":900.57,"sentiment":"neutral","sentiment_score":0.02039567567408085},{"text":"Yep.","start":901.27,"end":901.77,"sentiment":"neutral","sentiment_score":0.049877092242240906}],"sentiment":"neutral","sentiment_score":0.03427411802113056,"channel":1,"num_words":3,"start":899.67,"end":901.77},{"sentences":[{"text":"Okay.","start":901.42004,"end":901.74,"sentiment":"neutral","sentiment_score":0.06039096415042877},{"text":"Yeah.","start":901.74,"end":902.115,"sentiment":"neutral","sentiment_score":0.06308595091104507},{"text":"There's just usually, there's one before that.","start":902.115,"end":903.875,"sentiment":"neutral","sentiment_score":0.045385261731488366},{"text":"So we can touch on this first of all.","start":903.875,"end":905.65497,"sentiment":"neutral","sentiment_score":0.11725401878356934},{"text":"The Vanguard index chart just is probably one of the most familiar charts available for investors as a education tool.","start":905.71497,"end":915.255,"sentiment":"neutral","sentiment_score":0.2043355070054531}],"sentiment":"neutral","sentiment_score":0.14692552779850207,"channel":0,"num_words":38,"start":901.42004,"end":915.255},{"sentences":[{"text":"It breaks down the different sectors being international, shares, the Australian shares, property, bonds, cash as the main sectors of the market.","start":915.475,"end":927.87,"sentiment":"neutral","sentiment_score":0.13877465305003253},{"text":"And it shows you that over the long term how the the market can react to different events.","start":928.09,"end":933.705,"sentiment":"neutral","sentiment_score":0.18474769819941786},{"text":"Along the top, you'll notice that there's some some black term some black wording that shows some different events that have occurred over those periods of time, and you can see how the market's reacted with that.","start":935.84503,"end":946.5,"sentiment":"neutral","sentiment_score":-0.03834891616291291},{"text":"So as always, with all investments, there's volatility, and this is how we establish your comfort levels in regards to risk.","start":946.72,"end":955.995,"sentiment":"neutral","sentiment_score":-0.0053574335761368275},{"text":"So that's a great little tool to refer back to when understanding your exposure to the different asset classes as we move forward in the review.","start":955.995,"end":965.855,"sentiment":"positive","sentiment_score":0.46160543194183934}],"sentiment":"neutral","sentiment_score":0.13587763033912428,"channel":0,"num_words":124,"start":915.475,"end":965.855},{"sentences":[{"text":"Yep.","start":966.345,"end":966.845,"sentiment":"neutral","sentiment_score":0.14329048991203308},{"text":"Great.","start":967.14496,"end":967.64496,"sentiment":"neutral","sentiment_score":0.3270840644836426}],"sentiment":"neutral","sentiment_score":0.23518727719783783,"channel":1,"num_words":2,"start":966.345,"end":967.64496},{"sentences":[{"text":"Did you have any questions","start":967.27496,"end":968.31,"sentiment":"neutral","sentiment_score":0.10159619897603989}],"sentiment":"neutral","sentiment_score":0.10159619897603989,"channel":0,"num_words":5,"start":967.27496,"end":968.31},{"sentences":[{"text":"No.","start":969.385,"end":969.70496,"sentiment":"neutral","sentiment_score":-0.02420954778790474},{"text":"No questions.","start":969.70496,"end":970.445,"sentiment":"neutral","sentiment_score":-0.09768887236714363},{"text":"So let's see.","start":975.29004,"end":976.27,"sentiment":"neutral","sentiment_score":-0.024453923106193542},{"text":"Okay.","start":976.33,"end":976.65,"sentiment":"neutral","sentiment_score":0.01299336925148964},{"text":"Services guide.","start":976.65,"end":978.67,"sentiment":"neutral","sentiment_score":0.009387276135385036}],"sentiment":"neutral","sentiment_score":-0.02902012670205699,"channel":1,"num_words":9,"start":969.385,"end":978.67},{"sentences":[{"text":"Mhmm.","start":985.13,"end":985.63,"sentiment":"neutral","sentiment_score":0.004384730011224747}],"sentiment":"neutral","sentiment_score":0.004384730011224747,"channel":1,"num_words":1,"start":985.13,"end":985.63},{"sentences":[{"text":"previously.","start":987.425,"end":987.925,"sentiment":"neutral","sentiment_score":-0.00891594123095274},{"text":"It explains who we are, who our license is, our fees, and probably the most important part of fact of a FSG is how you can if you're unhappy with any of the services provided, the options you have available for you.","start":988.305,"end":1008.83997,"sentiment":"neutral","sentiment_score":-0.007107459407831941}],"sentiment":"neutral","sentiment_score":-0.007149517124648704,"channel":0,"num_words":43,"start":987.425,"end":1008.83997},{"sentences":[{"text":"Yep.","start":1008.9,"end":1009.4,"sentiment":"neutral","sentiment_score":0.17121605575084686},{"text":"Awesome.","start":1009.7,"end":1010.2,"sentiment":"positive","sentiment_score":0.46898674964904785}],"sentiment":"neutral","sentiment_score":0.32010140269994736,"channel":1,"num_words":2,"start":1008.9,"end":1010.2},{"sentences":[{"text":"Beautiful.","start":1010.89996,"end":1011.39996,"sentiment":"positive","sentiment_score":0.4495490193367005},{"text":"And what's the next document?","start":1011.515,"end":1013.135,"sentiment":"neutral","sentiment_score":0.08917778953909875},{"text":"I'm sorry.","start":1013.195,"end":1013.775,"sentiment":"neutral","sentiment_score":-0.046166930347681046}],"sentiment":"neutral","sentiment_score":0.100388013292104,"channel":0,"num_words":8,"start":1010.89996,"end":1013.775},{"sentences":[{"text":"That's okay.","start":1013.86005,"end":1014.60004,"sentiment":"neutral","sentiment_score":-0.002504313364624978},{"text":"Yeah.","start":1015.14,"end":1015.38,"sentiment":"neutral","sentiment_score":0.035358231514692307},{"text":"Now it's the hub 24 perform","start":1015.38,"end":1018.815,"sentiment":"neutral","sentiment_score":0.06317713111639023}],"sentiment":"neutral","sentiment_score":0.04549026572042041,"channel":1,"num_words":9,"start":1013.86005,"end":1018.815},{"sentences":[{"text":"Beautiful.","start":1018.315,"end":1018.815,"sentiment":"neutral","sentiment_score":0.15395455062389374}],"sentiment":"neutral","sentiment_score":0.15395455062389374,"channel":0,"num_words":1,"start":1018.315,"end":1018.815},{"sentences":[{"text":"so I've got a 08/25/2025 to 08/24/2026.","start":1019.115,"end":1025.855,"sentiment":"neutral","sentiment_score":0.08794802640165601}],"sentiment":"neutral","sentiment_score":0.08794802640165601,"channel":1,"num_words":7,"start":1019.115,"end":1025.855},{"sentences":[{"text":"Beautiful.","start":1026.155,"end":1026.655,"sentiment":"positive","sentiment_score":0.4913811683654785},{"text":"So this one gives us a good overview.","start":1027.27,"end":1030.49,"sentiment":"positive","sentiment_score":0.39427024498581886},{"text":"So you'll note probably the most important thing on the second page of it is the overall return is 4.15%.","start":1031.67,"end":1040.49,"sentiment":"neutral","sentiment_score":0.18174964115023612},{"text":"Now being in a high growth risk profile, which predominantly is a 90 to 10, allocation to growth assets with growth being your international and Australian shares in your property and your defensive being cashed and cash and fixed interest component.","start":1041.19,"end":1058.0701,"sentiment":"neutral","sentiment_score":0.11506940279065109},{"text":"So typically in that type of portfolio, I would expect to see a return of more between an eight to 10% return.","start":1058.53,"end":1067.03,"sentiment":"neutral","sentiment_score":0.12268256379122083}],"sentiment":"neutral","sentiment_score":0.15975432466391637,"channel":0,"num_words":92,"start":1026.155,"end":1067.03},{"sentences":[{"text":"That's gross of fees.","start":1067.7301,"end":1069.03,"sentiment":"neutral","sentiment_score":0.07920732721686363},{"text":"And you'll see that this one is a little bit lower, and I'll touch on why that is shortly.","start":1069.25,"end":1073.7749,"sentiment":"neutral","sentiment_score":0.05994837221346403},{"text":"But the minimum investment time frame for a high growth portfolio or investor, I should say, is eight years.","start":1074.5549,"end":1082.015,"sentiment":"neutral","sentiment_score":0.009709348215868599},{"text":"So as I go through some of these investments and explain this, I think we'll have a good understanding if whether you're still comfortable being a high growth investor.","start":1083.355,"end":1094.15,"sentiment":"neutral","sentiment_score":0.13536776383889132},{"text":"So if we look at the investments themselves, you'll see that Bennelong Australia at the top has had probably one of the biggest negative returns in the last twelve months.","start":1095.0901,"end":1107.125,"sentiment":"negative","sentiment_score":-0.4033771929641565}],"sentiment":"neutral","sentiment_score":-0.06470618456011952,"channel":0,"num_words":101,"start":1067.7301,"end":1107.125},{"sentences":[{"text":"And it's not that it's not just the performance for Bennelong or that the Australian market has performed badly.","start":1107.905,"end":1117.0299,"sentiment":"negative","sentiment_score":-0.4072909872782858},{"text":"It's probably more important to understand why the Benelon return has not been great.","start":1117.57,"end":1125.4299,"sentiment":"negative","sentiment_score":-0.4445047804287502},{"text":"The fund is more of takes more of an active approach, so it won't it won't always perform in line with what the Australian share market does as the the manage the investment manager will typically identify companies that they think have strong potential growth and they're undervalued.","start":1126.985,"end":1147.9501,"sentiment":"neutral","sentiment_score":-0.2844480024650693},{"text":"So when the investment manager has potentially potentially picked some dark horses, let's call them, the the portfolio will will be impacted.","start":1148.73,"end":1160.995,"sentiment":"negative","sentiment_score":-0.40195541422475467},{"text":"So that's been going on for approximately, oh, about eighteen months now.","start":1162.175,"end":1168.19,"sentiment":"neutral","sentiment_score":-0.25289404143889743}],"sentiment":"negative","sentiment_score":-0.34341606445934464,"channel":0,"num_words":115,"start":1107.905,"end":1168.19},{"sentences":[{"text":"And given the recent performance, we would like the opportunity to be able to look at alternative options that may be more appropriate to replace the Benelong option.","start":1168.19,"end":1177.23,"sentiment":"neutral","sentiment_score":-0.0703280848850097},{"text":"Is that okay with you?","start":1177.23,"end":1178.61,"sentiment":"neutral","sentiment_score":0.028589940443634988}],"sentiment":"neutral","sentiment_score":-0.055340505289760505,"channel":0,"num_words":33,"start":1168.19,"end":1178.61},{"sentences":[{"text":"Yep.","start":1178.63,"end":1179.11,"sentiment":"neutral","sentiment_score":0.13455447554588318},{"text":"That's all good.","start":1179.11,"end":1180.01,"sentiment":"positive","sentiment_score":0.34554335474967957}],"sentiment":"neutral","sentiment_score":0.29279613494873047,"channel":1,"num_words":4,"start":1178.63,"end":1180.01},{"sentences":[{"text":"Yep.","start":1179.7899,"end":1180.2899,"sentiment":"neutral","sentiment_score":0.2758204936981201},{"text":"Beautiful.","start":1180.35,"end":1180.85,"sentiment":"positive","sentiment_score":0.5315546989440918},{"text":"And the other one that I wanted to highlight as a as something that we wanted to look into as well was the fact that your your bank hybrid.","start":1181.385,"end":1191.5651,"sentiment":"neutral","sentiment_score":0.10605211099930878},{"text":"So you do have a little bit of exposure to that through the beta bank hybrid ETF.","start":1191.625,"end":1197.5299,"sentiment":"neutral","sentiment_score":0.020897701382637024},{"text":"There's currently some changes happening with bank hybrids in Australia, and I think and we would like to we sort of are reviewing for all of our clients at the moment whether it's the right fit longer term.","start":1197.99,"end":1209.515,"sentiment":"neutral","sentiment_score":0.0006120896310006318}],"sentiment":"neutral","sentiment_score":0.04955124117563977,"channel":0,"num_words":86,"start":1179.7899,"end":1209.515},{"sentences":[{"text":"So as I mentioned before, your portfolio is built of of a balance of growth and income producing assets depending on your risk profile, and this builds up the defend this this section takes part in the defensive sector.","start":1210.6951,"end":1226.3701,"sentiment":"neutral","sentiment_score":-0.00917020191748937},{"text":"So at the moment, hybrids are being phased out in Australia by the banks with a end date of January 2027.","start":1227.15,"end":1236.6101,"sentiment":"neutral","sentiment_score":-0.06947861860195796},{"text":"So what we would like to do as well is look at reviewing those that hybrid investment to see if there is potentially another defensive type asset that we could replace it with.","start":1236.75,"end":1246.125,"sentiment":"neutral","sentiment_score":0.05999982831153003},{"text":"Is that something that you'd be okay with as well?","start":1246.665,"end":1249.085,"sentiment":"neutral","sentiment_score":0.11761907413601876}],"sentiment":"neutral","sentiment_score":0.01300481757492695,"channel":0,"num_words":103,"start":1210.6951,"end":1249.085},{"sentences":[{"text":"Yeah.","start":1250.035,"end":1250.355,"sentiment":"neutral","sentiment_score":0.10602447390556335},{"text":"That's fine.","start":1250.355,"end":1251.1749,"sentiment":"neutral","sentiment_score":0.19563328474760056}],"sentiment":"neutral","sentiment_score":0.16576368113358816,"channel":1,"num_words":3,"start":1250.035,"end":1251.1749},{"sentences":[{"text":"Yep.","start":1251.545,"end":1252.045,"sentiment":"neutral","sentiment_score":0.10270219296216963},{"text":"Okay.","start":1252.1849,"end":1252.6849,"sentiment":"neutral","sentiment_score":0.02983200177550316},{"text":"And just your portfolio as a whole, I think it's probably good just to cover off on it quickly, just briefly, and please tell me if I'm boring you or anything.","start":1253.99,"end":1264.5701,"sentiment":"neutral","sentiment_score":0.15551031717369634},{"text":"So the you your US investments have been an important contributor to your performance within your portfolio, and that's because The US market is heavily influenced by some of the larger companies in the world.","start":1266.925,"end":1281.02,"sentiment":"neutral","sentiment_score":0.2571794126714979},{"text":"So movements in those companies can actually have a great meaningful impact on the over on your overall portfolio.","start":1281.4,"end":1287.8201,"sentiment":"positive","sentiment_score":0.5549348341791254}],"sentiment":"neutral","sentiment_score":0.2815907508049203,"channel":0,"num_words":87,"start":1251.545,"end":1287.8201},{"sentences":[{"text":"You also have an allocation to cybersecurity, which is a long term growth opportunity and more concentrated.","start":1289.48,"end":1297.4651,"sentiment":"neutral","sentiment_score":0.30227073325830345},{"text":"So we would expect that to be more volatile than the broader market at a whole.","start":1297.925,"end":1303.0651,"sentiment":"neutral","sentiment_score":-0.05686395615339279},{"text":"So you could expect some volatility, although recently it's done quite well at sitting at about 21% return.","start":1304.885,"end":1315.49,"sentiment":"neutral","sentiment_score":0.025386346504092216},{"text":"We would expect volatility or not volatility, but some fluctuations over time being up and down because it's quite a niche niche sector.","start":1316.99,"end":1326.255,"sentiment":"neutral","sentiment_score":-0.03645212559596352},{"text":"Your Australian investment portfolio provides you with a great source of exposure across the market.","start":1327.915,"end":1336.58,"sentiment":"positive","sentiment_score":0.5496942102909088}],"sentiment":"neutral","sentiment_score":0.13587356932210118,"channel":0,"num_words":89,"start":1289.48,"end":1336.58},{"sentences":[{"text":"The Australian market is more heavily influenced by banks and financial companies and resources, so it does behave quite differently from The US market, but you are well diversified across a few different sectors with the Australia within the Australian allocation.","start":1337.52,"end":1351.765,"sentiment":"neutral","sentiment_score":0.09997131157575584},{"text":"So overall, the portfolio is deliberately diversified across several different markets, sectors, and investment styles.","start":1353.745,"end":1361.845,"sentiment":"neutral","sentiment_score":0.259380504488945},{"text":"And at the moment, we're quite happy with it with the the view to review those two options that we talked about earlier being the Beta Bank hybrid and the Van Al Long Australian Equities Fund.","start":1362.385,"end":1375.4401,"sentiment":"positive","sentiment_score":0.4592593349516392},{"text":"Did you have any questions about that?","start":1376.735,"end":1379.155,"sentiment":"neutral","sentiment_score":0.12325916119984218}],"sentiment":"neutral","sentiment_score":0.2564210255413946,"channel":0,"num_words":99,"start":1337.52,"end":1379.155},{"sentences":[{"text":"No.","start":1379.775,"end":1380.175,"sentiment":"neutral","sentiment_score":-0.05740496143698692},{"text":"No.","start":1380.175,"end":1380.495,"sentiment":"neutral","sentiment_score":-0.06525659561157227},{"text":"No question.","start":1380.495,"end":1381.135,"sentiment":"neutral","sentiment_score":-0.06690188869833946},{"text":"I'll leave it in your cable by hand.","start":1381.135,"end":1382.655,"sentiment":"neutral","sentiment_score":-0.07495348155498505},{"text":"Sorry.","start":1382.655,"end":1383.135,"sentiment":"neutral","sentiment_score":-0.04995089769363403}],"sentiment":"neutral","sentiment_score":-0.06969569881375019,"channel":1,"num_words":13,"start":1379.775,"end":1383.135},{"sentences":[{"text":"No.","start":1383.135,"end":1383.375,"sentiment":"neutral","sentiment_score":-0.04242216795682907},{"text":"That that sounds good to me.","start":1383.375,"end":1384.755,"sentiment":"neutral","sentiment_score":0.05430438990394274}],"sentiment":"neutral","sentiment_score":0.04048631020954677,"channel":1,"num_words":7,"start":1383.135,"end":1384.755},{"sentences":[{"text":"Oh, thank you.","start":1385.375,"end":1386.435,"sentiment":"neutral","sentiment_score":0.25572538872559863},{"text":"And what was the next document in your in your pack?","start":1386.895,"end":1392.32,"sentiment":"neutral","sentiment_score":0.034622783518650314}],"sentiment":"neutral","sentiment_score":0.08200191320585352,"channel":0,"num_words":14,"start":1385.375,"end":1392.32},{"sentences":[{"text":"The I think it's the 03/06/2001.","start":1398.13,"end":1400.3099,"sentiment":"neutral","sentiment_score":0.0024080754180128374}],"sentiment":"neutral","sentiment_score":0.0024080754180128374,"channel":1,"num_words":6,"start":1398.13,"end":1400.3099},{"sentences":[{"text":"Yeah.","start":1400.86,"end":1401.1799,"sentiment":"neutral","sentiment_score":0.02126942947506905},{"text":"So that's the thing.","start":1401.1799,"end":1402.065,"sentiment":"neutral","sentiment_score":0.021024339832365513},{"text":"So you'll see that the Bennelong Australian Equities Fund bounced back a little bit,","start":1402.065,"end":1405.9249,"sentiment":"neutral","sentiment_score":-0.024388369704995836}],"sentiment":"neutral","sentiment_score":-0.01242475721396898,"channel":0,"num_words":19,"start":1400.86,"end":1405.9249},{"sentences":[{"text":"Yep.","start":1405.89,"end":1406.175,"sentiment":"neutral","sentiment_score":-0.038695335388183594}],"sentiment":"neutral","sentiment_score":-0.038695335388183594,"channel":1,"num_words":1,"start":1405.89,"end":1406.175},{"sentences":[{"text":"and we've had a little bit more of a negative return in the gold sector, whereas previously, it was quite a large large return or profit, we should say.","start":1407.505,"end":1420.26,"sentiment":"neutral","sentiment_score":-0.2639181272223078},{"text":"So as always, the market will change and fluctuate depending on what's happening worldwide, investment 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now.","start":1498.075,"end":1498.715,"sentiment":"neutral","sentiment_score":-0.041219769045710564},{"text":"Perfect.","start":1498.715,"end":1499.215,"sentiment":"neutral","sentiment_score":0.09739266335964204}],"sentiment":"neutral","sentiment_score":0.0049843750894069715,"channel":1,"num_words":3,"start":1498.075,"end":1499.215},{"sentences":[{"text":"No.","start":1499.375,"end":1499.875,"sentiment":"neutral","sentiment_score":-0.001339023932814598},{"text":"And then the last document should be your tax file number that the declaration, I guess, you call it, where it would require you to sign again.","start":1500.43,"end":1512.91,"sentiment":"neutral","sentiment_score":0.003919840824824793},{"text":"It's just saying that you you approve for us to maintain your tax file number on","start":1512.91,"end":1518.375,"sentiment":"neutral","sentiment_score":-0.024078865710180253}],"sentiment":"neutral","sentiment_score":-0.006381026659668846,"channel":0,"num_words":44,"start":1499.375,"end":1518.375},{"sentences":[{"text":"Nope.","start":1518.135,"end":1518.635,"sentiment":"neutral","sentiment_score":-0.11880701035261154}],"sentiment":"neutral","sentiment_score":-0.11880701035261154,"channel":1,"num_words":1,"start":1518.135,"end":1518.635},{"sentences":[{"text":"file for your superannuation purposes.","start":1518.375,"end":1520.5549,"sentiment":"neutral","sentiment_score":-0.10823944061994553},{"text":"So and that reason being is that if we don't provide hub twenty four with your tax file number, your super fund is then taxed at a higher rate, which is not ideal for for yourself.","start":1521.015,"end":1531.595,"sentiment":"neutral","sentiment_score":-0.1590580613248878}],"sentiment":"neutral","sentiment_score":-0.1528606685559924,"channel":0,"num_words":41,"start":1518.375,"end":1531.595},{"sentences":[{"text":"Not","start":1531.17,"end":1531.67,"sentiment":"neutral","sentiment_score":-0.11126559227705002}],"sentiment":"neutral","sentiment_score":-0.11126559227705002,"channel":1,"num_words":1,"start":1531.17,"end":1531.67},{"sentences":[{"text":"So 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and complete and return to us also.","start":1532.98,"end":1539.8,"sentiment":"neutral","sentiment_score":-0.06632463471032679}],"sentiment":"neutral","sentiment_score":-0.06632463471032679,"channel":0,"num_words":16,"start":1532.98,"end":1539.8},{"sentences":[{"text":"Yep.","start":1540.4501,"end":1540.77,"sentiment":"neutral","sentiment_score":0.027336273342370987},{"text":"No worries.","start":1540.77,"end":1541.3301,"sentiment":"neutral","sentiment_score":0.057124191895127296},{"text":"Just fine right now.","start":1541.3301,"end":1542.39,"sentiment":"neutral","sentiment_score":0.22644543275237083}],"sentiment":"neutral","sentiment_score":0.149623769734587,"channel":1,"num_words":7,"start":1540.4501,"end":1542.39},{"sentences":[{"text":"Did you have any questions for 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I'm","start":1551.095,"end":1551.975,"sentiment":"neutral","sentiment_score":0.24694973230361938}],"sentiment":"neutral","sentiment_score":0.1156316576525569,"channel":1,"num_words":8,"start":1547.975,"end":1551.975},{"sentences":[{"text":"Yeah.","start":1551.8251,"end":1552.3251,"sentiment":"positive","sentiment_score":0.4025290608406067}],"sentiment":"positive","sentiment_score":0.4025290608406067,"channel":0,"num_words":1,"start":1551.8251,"end":1552.3251},{"sentences":[{"text":"glad to glad to see that it's still going fairly well.","start":1551.975,"end":1555.89,"sentiment":"positive","sentiment_score":0.5692135664549741},{"text":"And 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real questions for me.","start":1557.17,"end":1558.63,"sentiment":"neutral","sentiment_score":-0.025139521807432175},{"text":"Yeah.","start":1558.77,"end":1559.01,"sentiment":"neutral","sentiment_score":0.14336948096752167},{"text":"Thanks thanks for the update.","start":1559.01,"end":1560.53,"sentiment":"positive","sentiment_score":0.4817476123571396},{"text":"I appreciate that.","start":1560.53,"end":1561.51,"sentiment":"positive","sentiment_score":0.5353353023529053}],"sentiment":"neutral","sentiment_score":0.2880297029124839,"channel":1,"num_words":14,"start":1557.17,"end":1561.51},{"sentences":[{"text":"No.","start":1561.8,"end":1561.96,"sentiment":"neutral","sentiment_score":-0.042906977236270905},{"text":"That's alright.","start":1561.96,"end":1562.6,"sentiment":"neutral","sentiment_score":0.04102597013115883},{"text":"There's one last little question one little last bit I need to go through with you, and it's just your goals and 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perfect.","start":1701.42,"end":1702.24,"sentiment":"positive","sentiment_score":0.587863564491272},{"text":"And then just lastly, I just wanted to touch on your estate planning.","start":1702.46,"end":1706.56,"sentiment":"neutral","sentiment_score":0.1587811977817462},{"text":"I note that you don't have a will or a power of attorney.","start":1707.9,"end":1711.12,"sentiment":"neutral","sentiment_score":-0.16678235393304092},{"text":"Is this something that you and your wife are look planning to look into?","start":1712.145,"end":1716.5651,"sentiment":"neutral","sentiment_score":-0.08236563737903323}],"sentiment":"neutral","sentiment_score":0.012265316634015604,"channel":0,"num_words":44,"start":1700.78,"end":1716.5651},{"sentences":[{"text":"Potentially at some point, but, yeah, not","start":1718.0349,"end":1720.4349,"sentiment":"neutral","sentiment_score":-0.09391507399933678}],"sentiment":"neutral","sentiment_score":-0.09391507399933678,"channel":1,"num_words":7,"start":1718.0349,"end":1720.4349},{"sentences":[{"text":"Yeah.","start":1720.225,"end":1720.725,"sentiment":"neutral","sentiment_score":-0.08334224671125412}],"sentiment":"neutral","sentiment_score":-0.08334224671125412,"channel":0,"num_words":1,"start":1720.225,"end":1720.725},{"sentences":[{"text":"not not at this stage.","start":1720.4349,"end":1721.5549,"sentiment":"neutral","sentiment_score":-0.24195529520511627},{"text":"No.","start":1721.5549,"end":1722.0549,"sentiment":"neutral","sentiment_score":-0.2703997492790222}],"sentiment":"neutral","sentiment_score":-0.24669603755076727,"channel":1,"num_words":6,"start":1720.4349,"end":1722.0549},{"sentences":[{"text":"No.","start":1722.4651,"end":1722.7051,"sentiment":"neutral","sentiment_score":-0.24084153771400452},{"text":"It's.","start":1722.7051,"end":1723.2051,"sentiment":"neutral","sentiment_score":-0.17017894983291626},{"text":"Okay.","start":1723.425,"end":1723.92,"sentiment":"neutral","sentiment_score":0.07112622261047363},{"text":"That's no worries at all.","start":1724.0,"end":1724.8,"sentiment":"neutral","sentiment_score":0.2133117139339447},{"text":"If you ever do, we do have a professional partner that we can refer you to and send you through a brochure for you to review that if you like.","start":1724.8,"end":1732.8201,"sentiment":"neutral","sentiment_score":0.2202959823111693}],"sentiment":"neutral","sentiment_score":0.1930406256333778,"channel":0,"num_words":38,"start":1722.4651,"end":1732.8201},{"sentences":[{"text":"It gives you an outline of costs and","start":1733.04,"end":1735.2201,"sentiment":"neutral","sentiment_score":0.13351272139698267}],"sentiment":"neutral","sentiment_score":0.13351272139698267,"channel":0,"num_words":8,"start":1733.04,"end":1735.2201},{"sentences":[{"text":"Hello?","start":1741.605,"end":1742.105,"sentiment":"neutral","sentiment_score":-0.031989336013793945},{"text":"I think I've lost you.","start":1744.885,"end":1745.925,"sentiment":"negative","sentiment_score":-0.4343340814113617},{"text":"Are you there?","start":1745.925,"end":1746.745,"sentiment":"neutral","sentiment_score":-0.09916273007790248},{"text":"Hello?","start":1757.1599,"end":1757.6599,"sentiment":"neutral","sentiment_score":-0.13365216553211212}],"sentiment":"neutral","sentiment_score":-0.2634800098836422,"channel":1,"num_words":10,"start":1741.605,"end":1757.6599}]},"summary":{"result":"success","short":"A financial services company representative called Mohammed to confirm personal and financial information, including income and expenses, and discussed his current financial situation and retirement plans. The speaker is a workforce planning manager with a company called Jetstar, and discussed his risk profile, income, expenses, and retirement schedule with his wife. They discussed the Vanguard index chart and risk profile, investment strategy, and retirement goals and estate planning. The speaker provided information on retirement goals and estate planning, offered a referral partner, and discussed fees and fees per annum."},"intents":{"segments":[{"text":"I thought I would give you one more try before I finished up for the day to see if I could get a hold of you and if you had time to do your review. Yeah.","start_word":37,"end_word":72,"intents":[{"intent":"Provide review results","confidence_score":0.0000023401376}]},{"text":"And just to confirm that I am speaking with the correct person, can you please confirm your full name, date of birth, and address, please?","start_word":114,"end_word":138,"intents":[{"intent":"Confirm identity","confidence_score":0.7292172}]},{"text":"What I'm gonna do is I'm just going to send you a a review pack. It's got some documents in there, and it'll come from a it will come from Voodoo sign. And you don't have to sign anything yet. We're just gonna open it up and go through the documentation.","start_word":223,"end_word":273,"intents":[{"intent":"Offer review pack to recipients","confidence_score":8.583732e-8}]},{"text":"What I'll do in the mean time is I'd just like to start by running through your current financial situation, if that's okay, being personal and financial situation, just to make sure that all the details we have on file is correct and accurate Yep.","start_word":342,"end_word":386,"intents":[{"intent":"Ensure correct information","confidence_score":0.0001952076}]},{"text":"So first of all, I'd just like to confirm your date of oh, no. You've already confirmed your date of birth. Don't worry about that.","start_word":391,"end_word":415,"intents":[{"intent":"Confirm date of birth and address","confidence_score":0.022998558}]},{"text":"Your email address is NazmiOzkan25@Gmail.com. Yep.","start_word":416,"end_word":421,"intents":[{"intent":"Provide email address","confidence_score":0.001842229}]},{"text":"And your postal address, is that the same as your home address? Yeah.","start_word":437,"end_word":449,"intents":[{"intent":"Confirm address","confidence_score":0.22638209}]},{"text":"Do you have a contact number for her? Yep.","start_word":585,"end_word":593,"intents":[{"intent":"Confirm contact number","confidence_score":0.036790136}]},{"text":"And any work above 12 meters at heights or anything like that? No.","start_word":688,"end_word":700,"intents":[{"intent":"Provide job details","confidence_score":0.00958752}]},{"text":"And what is your weekly expenditure?","start_word":1024,"end_word":1029,"intents":[{"intent":"Calculate monthly expenditure","confidence_score":0.0015084988}]},{"text":"Assets wise, we also had a motor motor vehicle valued at about 18,000. Is that still correct?","start_word":1250,"end_word":1266,"intents":[{"intent":"Assess asset value","confidence_score":0.06693524}]},{"text":"Have you ever been declared bankrupt?","start_word":1332,"end_word":1337,"intents":[{"intent":"Verify bankruptcy","confidence_score":0.00027278255}]},{"text":"Have you ever been declared bankrupt? No.","start_word":1332,"end_word":1338,"intents":[{"intent":"Inquire about bankruptcy","confidence_score":0.04881261}]},{"text":"So today, what I wanted to probably just check with you before we move into the investment side of things is just your risk profile. So, basically, that's just your approach and attitude to risk from an investment perspective. So I just wanted to ask a couple of quick questions if that was okay with you to make sure that it's still applicable to your situation. Mhmm.","start_word":1384,"end_word":1450,"intents":[{"intent":"Check investment approach","confidence_score":0.087381974}]},{"text":"What is the most aggressive investment you have ever made? Being the options of direct shares, manage funds, an investment property, your own home, or a high interest bank account.","start_word":1451,"end_word":1480,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.033608887}]},{"text":"What is the most aggressive investment you have ever made? Being the options of direct shares, manage funds, an investment property, your own home, or a high interest bank account. I'm not too I haven't really been involved too much, yeah, with with Yeah. investing.","start_word":1451,"end_word":1495,"intents":[{"intent":"Assess investment preferences","confidence_score":0.0015741712}]},{"text":"Given you're 30 years old and preservation age is 60 at the present time to access super, it would be safe to say that you would need longer these funds would need to be invested for longer than ten years.","start_word":1545,"end_word":1584,"intents":[{"intent":"Evaluate will","confidence_score":0.000113939735},{"intent":"Determine investment age","confidence_score":0.0003261394},{"intent":"Consider retirement age","confidence_score":0.0015847279}]},{"text":"Have you got that email open with the documents? Yes. I do.","start_word":1632,"end_word":1643,"intents":[{"intent":"Review documents","confidence_score":0.01907804}]},{"text":"So that's a great little tool to refer back to when understanding your exposure to the different asset classes as we move forward in the review. Yep. Great.","start_word":1961,"end_word":1988,"intents":[{"intent":"Explain portfolio exposure","confidence_score":0.00025826032}]},{"text":"And the other one that I wanted to highlight as a as something that we wanted to look into as well was the fact that your your bank hybrid. So you do have a little bit of exposure to that through the beta bank hybrid ETF. There's currently some changes happening with bank hybrids in Australia, and I think and we would like to we sort of are reviewing for all of our clients at the moment whether it's the right fit longer term.","start_word":2421,"end_word":2504,"intents":[{"intent":"Review hybrid investment","confidence_score":0.021453876}]},{"text":"And just your portfolio as a whole, I think it's probably good just to cover off on it quickly, just briefly, and please tell me if I'm boring you or anything.","start_word":2614,"end_word":2644,"intents":[{"intent":"Cover portfolio","confidence_score":0.41228694},{"intent":"Discuss portfolio","confidence_score":0.04195561}]},{"text":"And at the moment, we're quite happy with it with the the view to review those two options that we talked about earlier being the Beta Bank hybrid and the Van Al Long Australian Equities Fund. Did you have any questions about that?","start_word":2843,"end_word":2885,"intents":[{"intent":"Review options","confidence_score":0.16746698}]},{"text":"Just the consent to new ongoing fee arrangement.","start_word":3037,"end_word":3044,"intents":[{"intent":"Notify fee arrangement","confidence_score":0.0000065113773}]},{"text":"Did you have any questions for me? No.","start_word":3286,"end_word":3293,"intents":[{"intent":"Ask questions","confidence_score":0.013013113}]},{"text":"Thanks thanks for the update.","start_word":3325,"end_word":3329,"intents":[{"intent":"Thank for update","confidence_score":0.0047985315}]},{"text":"Has any of your has your goals for your superannuation changed, or is or do they may remain the No.","start_word":3408,"end_word":3427,"intents":[{"intent":"Address financial goals","confidence_score":0.047334466}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Mohammed? Oh, yes. I'm speaking. It's Jenna here. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.100585475564003},{"text":"I'm good. Thank you.","start_word":16,"end_word":19,"sentiment":"positive","sentiment_score":0.5168571472167969},{"text":"And I I I do apologize for missing your your cover call earlier. No. That's completely fine. I thought I would give you one more try before I finished up for the day to see if I could get a hold of you and if you had time to do your review. Yeah. Yeah. Why not? Oh, lovely. Alright. Well, but just before we go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay with you? Yeah.","start_word":20,"end_word":109,"sentiment":"neutral","sentiment_score":0.01770205609500408},{"text":"That's all good. Brilliant.","start_word":110,"end_word":113,"sentiment":"positive","sentiment_score":0.4380815625190735},{"text":"And just to confirm that I am speaking with the correct person, can you please confirm your full name, date of birth, and address, please? Full name, Mohammed Nazmi. Ozcan. Date of birth, 03/25/1996. And what was that last bit that you required? Sorry. Your address. 26 Roseneas Way, Mickleham, Victoria.","start_word":114,"end_word":164,"sentiment":"neutral","sentiment_score":0.04524406418204307},{"text":"Beautiful. Fantastic. Thank you so much for that. I'm just quickly opening up a few documents.","start_word":165,"end_word":180,"sentiment":"positive","sentiment_score":0.4932724535465241},{"text":"How's your day been so far? Yeah.","start_word":181,"end_word":187,"sentiment":"neutral","sentiment_score":0.24386680126190183},{"text":"It's been pretty it's been pretty good. Oh, beautiful. That's good.","start_word":188,"end_word":198,"sentiment":"positive","sentiment_score":0.446759819984436},{"text":"Can't complain there. No. Okay. So what I'm gonna do first of all do you have access to your emails at all? Yes. Yeah. What I'm gonna do is I'm just going to send you a a review pack. It's got some documents in there, and it'll come from a it will come from Voodoo sign. And you don't have to sign anything yet. We're just gonna open it up and go through the documentation. And then at the end, once you've had a time to at the end of the review or when you've had some time to review it, we'll get you to complete. So I'm just gonna send this through to you now. It won't be a second. Sure. Okay.","start_word":199,"end_word":321,"sentiment":"neutral","sentiment_score":0.11025722324848176},{"text":"Fantastic. So I've sent that through.","start_word":322,"end_word":327,"sentiment":"positive","sentiment_score":0.5566822290420532},{"text":"So that might pop up in your inbox in the next few minutes. Mhmm. What I'll do in the mean time is I'd just like to start by running through your current financial situation, if that's okay, being personal and financial situation, just to make sure that all the details we have on file is correct and accurate Yep. and reflects your truth. So first of all, I'd just like to confirm your date of oh, no. You've already confirmed your date of birth. Don't worry about that. Your email address is NazmiOzkan25@Gmail.com. Yep. That's correct. Did I say that correctly? Yeah. Yeah. Yeah. You did. Yeah. Okay.","start_word":328,"end_word":435,"sentiment":"neutral","sentiment_score":0.09676895290613174},{"text":"Beautiful.","start_word":436,"end_word":436,"sentiment":"positive","sentiment_score":0.34199708700180054},{"text":"And your postal address, is that the same as your home address? Yeah. That would be correct. Yep. Okay. And your spouse's name, how do I pronounce that? Sorry. By which one? Sorry. Your spouse's your wife's name? Asia. Asia. Oh, Yeah.","start_word":437,"end_word":478,"sentiment":"neutral","sentiment_score":0.04036923497915268},{"text":"that's a beautiful name.","start_word":479,"end_word":482,"sentiment":"positive","sentiment_score":0.3513248562812805},{"text":"Hey. Love that. Do you have any dependents? Yeah. One one child. One. Oh, beautiful. A boy or a girl? A girl. Aw. And what's her name? Ella, e e l a. E l a. Beautiful. And how old is she? 20. Oh, the fun age. Is is the I don't know how you call it. The the SaaS starting to come through as yet? Yeah. Yeah. She's part of the the the trouble twos. Yes. Definitely. Oh, congratulations.","start_word":483,"end_word":561,"sentiment":"neutral","sentiment_score":0.0008108782349154353},{"text":"Thank you.","start_word":562,"end_word":563,"sentiment":"positive","sentiment_score":0.3344656825065613},{"text":"I would and, also, we've got Asia down here as your next of kin. Is that still correct? That's correct. Yep. Do you have a contact number for her? Yep. It's Yep. 0420 Yeah. Yep. 232 Yep. 522. 522.","start_word":564,"end_word":602,"sentiment":"neutral","sentiment_score":0.05246139317750931},{"text":"Beautiful. Thank you for that.","start_word":603,"end_word":607,"sentiment":"positive","sentiment_score":0.509268581867218},{"text":"We have you as a workforce planning manager with Jetstar. Is that still correct? It was correct up until the start of July. Mhmm. Yep. So I've actually left the company and gone into a new role. Okay. What's the new role? So the company is Melbourne Airport, Yep. And the role essentially, airport coordination. Okay. Sounds like a big big responsibility. Yeah. As it says. And and is that a 100% office based, like, airport based? Yes. Correct. Yep. And any work above 12 meters at heights or anything like that? No. No? And what kind of duties do you perform in that? Is it customer relations, people? Yeah. A lot of stakeholder engagement. So just coordinating with all sort of all the airport, you know, ground handlers and airlines and just sort of the Yeah. the on the day coordinating of your of your operation. Oh, lovely. Sounds busy. So you started in July, you said. Yeah. Mid July. Yep. Okay.","start_word":608,"end_word":770,"sentiment":"neutral","sentiment_score":0.053985012112402475},{"text":"Beautiful.","start_word":771,"end_word":771,"sentiment":"positive","sentiment_score":0.4591173827648163},{"text":"I'm just taking down some notes as we go. And the and it's full time? Correct. Correct. And how many hours on average 30 do eight you per work week. per week? Thirty eight? Beautiful. Now we had your income down as a 100,000. Has that changed For FY '26 or moving forward in my new role? Moving forward. Yeah. So my current role because it's EBA based. That there's obviously the the base salary on the contract, but then it's Yeah. not a true reflection given, you know, all the penalties and and so forth associated with it. So did you want the base or the sort of the estimated salary? You can give me the base and then the estimate if So the base, I think it was 108, you if like. I'm not mistaken. Yep. Yep. And then that will rise to a minimum of, I think, about a 140. And does that include super, or is that overtime? Non Additional inclusive or super. steeper. Yep. So your EBA, that's just up that allows up to your overtime only. That's Is that right? so the 140 would be, yeah, inclusive of, like, the penalties, like, you know, the night loadings and I'm sorry. Or not increasing not including overtime. Yep. Okay. Alright.","start_word":772,"end_word":986,"sentiment":"neutral","sentiment_score":0.02149155563999747},{"text":"So that's great.","start_word":987,"end_word":989,"sentiment":"positive","sentiment_score":0.6498628854751587},{"text":"So is your employer just paying the 12%, the The standard super? 12% for super? Yep. Yeah. 12 and a half percent, I think it was. Okay. So they're paying a little bit extra. And what is your weekly expenditure? We had that at 400. Has that increased? My weekly what? Sorry. Expenditure. So your living expenses outside of mortgage repayments or Yes. yep. Yeah. Yeah. That'd be about right. Yep. Okay. And do you have savings wise, are you having any surplus cash flow where you're saving at all? Yeah. I'm able to put some money aside. Yeah. Yep. It's what I yep. Yep. How much roughly per week would you estimate that to be? Per week. I Or pump per fortnight? yeah. Yep. Per fortnight, probably a thousand. Okay. And are you doing any additional salary sacrifice or superannuation contributions of any time? No. No? Okay. And last time that we you spoke with the team, you were building a house. Has that completed? Yeah. Cleaned it about just just under four years ago, actually. Oh, wow. So what is the value of your home? About $7.50? Like, what we've what we've got currently outstanding. $4.50. About 450. $4.50. And what's the what are the repayments on that roughly? Do you if off the top of your head if you know it. Repayment per fortnight. What would it be? That's a great question. Let me just quickly ask my wife. That's okay. Hey. What's the home loan per fortnight? 1,420. About 1,420 per fortnight.","start_word":990,"end_word":1245,"sentiment":"neutral","sentiment_score":0.019729161635041237},{"text":"Beautiful. Thank you.","start_word":1246,"end_word":1248,"sentiment":"positive","sentiment_score":0.5767187476158142},{"text":"Assets wise, we also had a motor motor vehicle valued at about 18,000. Is that still correct? Yeah. Yep. That'd be better. Yep. Yeah. Any debt against that? No. No. Any other vehicles of any description? No. No? Okay. Assets wise, is there any other assets, savings or home acquaintance or investments, any other assets that you have? No. No. Nothing else. No. No.","start_word":1249,"end_word":1312,"sentiment":"neutral","sentiment_score":0.0032155709341168404},{"text":"That's wonderful.","start_word":1313,"end_word":1314,"sentiment":"positive","sentiment_score":0.35643911361694336},{"text":"Any debt, credit cards, anything? No. No? Beautiful. Sorry to ask, but it's one of the questions. Have you ever been declared bankrupt? No. Sorry. Thankfully, not. That's good.","start_word":1315,"end_word":1343,"sentiment":"neutral","sentiment_score":0.005365205928683281},{"text":"That's good.","start_word":1344,"end_word":1345,"sentiment":"positive","sentiment_score":0.35541072487831116},{"text":"Okay. One other moving into more of an estate planning area, do you have a will or power of attorney in place? No. No. And are you a tax resident of any other country? No. No. Beautiful. Okay. So today, what I wanted to probably just check with you before we move into the investment side of things is just your risk profile. So, basically, that's just your approach and attitude to risk from an investment perspective. So I just wanted to ask a couple of quick questions if that was okay with you to make sure that it's still applicable to your situation. Mhmm. What is the most aggressive investment you have ever made? Being the options of direct shares, manage funds, an investment property, your own home, or a high interest bank account. I'm not too I haven't really been involved too much, yeah, with with Yeah. investing. So, Yeah. yeah, not not quite sure With how to answer that one. that's okay. What if we look at your superannuation fund? That's an investment, Yep. and you've got managed funds within there. So would you be happy with managed funds Yep. as your answer? Yep. Yep. Okay. Given you're 30 years old and preservation age is 60 at the present time to access super, it would be safe to say that you would need longer these funds would need to be invested for longer than ten years. Would you agree with that? Yep. Yep.","start_word":1346,"end_word":1591,"sentiment":"neutral","sentiment_score":0.009304534019220894},{"text":"Beautiful.","start_word":1592,"end_word":1592,"sentiment":"positive","sentiment_score":0.6201411485671997},{"text":"How sorry. I just got a notice through to recharge my headset for it. So if I cut out, I apologize. I will phone you back. No problem. So that one's fine. We'll cover that. I might skip ahead. Have you got that email open with the documents? Yes. I do. Yep. Okay. What I might do is I'll jump to those because I think the risk profile we can play through our conversation anyway. The first document once you open it is a summary of your superannuation. So it's a one page document. It tells you what your balance is as at today. Can you see that? Mhmm. Yeah. Yep. Yep. And then we go on to the performance report is the next one. So we've pulled two performance reports for you, one being a twelve month one and one being a six month one. Can you tell me if you're looking at the twelve or six month one first? It should say up in the top hand corner left hand corner, sorry, the date range. 07/01/1995 to 06/30/2025. Okay.","start_word":1593,"end_word":1773,"sentiment":"neutral","sentiment_score":0.05662288889288902},{"text":"Beautiful.","start_word":1774,"end_word":1774,"sentiment":"positive","sentiment_score":0.5140426158905029},{"text":"June 2025. Okay. So that would so can you see the hub 24 screen? No. No. Okay. So they're not in the correct order. What is the heading of that document that was sent to you that you're looking at first right now? The The top Vanguard? yeah. Vanguard. Yep. Okay. Yeah. There's just usually, there's one before that. So we can touch on this first of all. The Vanguard index chart just is probably one of the most familiar charts available for investors as a education tool. It breaks down the different sectors being international, shares, the Australian shares, property, bonds, cash as the main sectors of the market. And it shows you that over the long term how the the market can react to different events. Along the top, you'll notice that there's some some black term some black wording that shows some different events that have occurred over those periods of time, and you can see how the market's reacted with that. So as always, with all investments, there's volatility, and this is how we establish your comfort levels in regards to risk.","start_word":1775,"end_word":1960,"sentiment":"neutral","sentiment_score":0.04476379254652608},{"text":"So that's a great little tool to refer back to when understanding your exposure to the different asset classes as we move forward in the review.","start_word":1961,"end_word":1986,"sentiment":"positive","sentiment_score":0.4530429542064667},{"text":"Yep. Great. Did you have any questions No. No questions. So let's see. Okay. Services guide. Mhmm. previously. It explains who we are, who our license is, our fees, and probably the most important part of fact of a FSG is how you can if you're unhappy with any of the services provided, the options you have available for you. Yep.","start_word":1987,"end_word":2047,"sentiment":"neutral","sentiment_score":0.015280189923942087},{"text":"Awesome. Beautiful.","start_word":2048,"end_word":2049,"sentiment":"positive","sentiment_score":0.45926788449287415},{"text":"And what's the next document? I'm sorry. That's okay. Yeah. Now it's the hub 24 Beautiful. perform so I've got a 08/25/2025 to 08/24/2026.","start_word":2050,"end_word":2073,"sentiment":"neutral","sentiment_score":0.059087928384542465},{"text":"Beautiful. So this one gives us a good overview.","start_word":2074,"end_word":2082,"sentiment":"positive","sentiment_score":0.4062268435955048},{"text":"So you'll note probably the most important thing on the second page of it is the overall return is 4.15%. Now being in a high growth risk profile, which predominantly is a 90 to 10, allocation to growth assets with growth being your international and Australian shares in your property and your defensive being cashed and cash and fixed interest component. So typically in that type of portfolio, I would expect to see a return of more between an eight to 10% return. That's gross of fees. And you'll see that this one is a little bit lower, and I'll touch on why that is shortly. But the minimum investment time frame for a high growth portfolio or investor, I should say, is eight years. So as I go through some of these investments and explain this, I think we'll have a good understanding if whether you're still comfortable being a high growth investor.","start_word":2083,"end_word":2236,"sentiment":"neutral","sentiment_score":0.10746298730373384},{"text":"So if we look at the investments themselves, you'll see that Bennelong Australia at the top has had probably one of the biggest negative returns in the last twelve months. And it's not that it's not just the performance for Bennelong or that the Australian market has performed badly. It's probably more important to understand why the Benelon return has not been great.","start_word":2237,"end_word":2299,"sentiment":"negative","sentiment_score":-0.4038390815258026},{"text":"The fund is more of takes more of an active approach, so it won't it won't always perform in line with what the Australian share market does as the the manage the investment manager will typically identify companies that they think have strong potential growth and they're undervalued.","start_word":2300,"end_word":2347,"sentiment":"neutral","sentiment_score":-0.2936713993549347},{"text":"So when the investment manager has potentially potentially picked some dark horses, let's call them, the the portfolio will will be impacted.","start_word":2348,"end_word":2369,"sentiment":"negative","sentiment_score":-0.39989015460014343},{"text":"So that's been going on for approximately, oh, about eighteen months now. And given the recent performance, we would like the opportunity to be able to look at alternative options that may be more appropriate to replace the Benelong option. Is that okay with you? Yep.","start_word":2370,"end_word":2415,"sentiment":"neutral","sentiment_score":-0.11236272752285004},{"text":"That's all good.","start_word":2416,"end_word":2418,"sentiment":"positive","sentiment_score":0.3415669798851013},{"text":"Yep.","start_word":2419,"end_word":2419,"sentiment":"neutral","sentiment_score":0.2758204936981201},{"text":"Beautiful.","start_word":2420,"end_word":2420,"sentiment":"positive","sentiment_score":0.5315546989440918},{"text":"And the other one that I wanted to highlight as a as something that we wanted to look into as well was the fact that your your bank hybrid. So you do have a little bit of exposure to that through the beta bank hybrid ETF. There's currently some changes happening with bank hybrids in Australia, and I think and we would like to we sort of are reviewing for all of our clients at the moment whether it's the right fit longer term. So as I mentioned before, your portfolio is built of of a balance of growth and income producing assets depending on your risk profile, and this builds up the defend this this section takes part in the defensive sector. So at the moment, hybrids are being phased out in Australia by the banks with a end date of January 2027. So what we would like to do as well is look at reviewing those that hybrid investment to see if there is potentially another defensive type asset that we could replace it with. Is that something that you'd be okay with as well? Yeah. That's fine. Yep. Okay. And just your portfolio as a whole, I think it's probably good just to cover off on it quickly, just briefly, and please tell me if I'm boring you or anything. So the you your US investments have been an important contributor to your performance within your portfolio, and that's because The US market is heavily influenced by some of the larger companies in the world.","start_word":2421,"end_word":2678,"sentiment":"neutral","sentiment_score":0.07387723305890727},{"text":"So movements in those companies can actually have a great meaningful impact on the over on your overall portfolio.","start_word":2679,"end_word":2697,"sentiment":"positive","sentiment_score":0.5439485311508179},{"text":"You also have an allocation to cybersecurity, which is a long term growth opportunity and more concentrated. So we would expect that to be more volatile than the broader market at a whole. So you could expect some volatility, although recently it's done quite well at sitting at about 21% return. We would expect volatility or not volatility, but some fluctuations over time being up and down because it's quite a niche niche sector.","start_word":2698,"end_word":2771,"sentiment":"neutral","sentiment_score":0.04953593760728836},{"text":"Your Australian investment portfolio provides you with a great source of exposure across the market.","start_word":2772,"end_word":2786,"sentiment":"positive","sentiment_score":0.5483697056770325},{"text":"The Australian market is more heavily influenced by banks and financial companies and resources, so it does behave quite differently from The US market, but you are well diversified across a few different sectors with the Australia within the Australian allocation. So overall, the portfolio is deliberately diversified across several different markets, sectors, and investment styles.","start_word":2787,"end_word":2842,"sentiment":"neutral","sentiment_score":0.14995861053466797},{"text":"And at the moment, we're quite happy with it with the the view to review those two options that we talked about earlier being the Beta Bank hybrid and the Van Al Long Australian Equities Fund.","start_word":2843,"end_word":2878,"sentiment":"positive","sentiment_score":0.4649846851825714},{"text":"Did you have any questions about that? No. No. No question. I'll leave it in your cable by hand. Sorry. No. That that sounds good to me. Oh, thank you. And what was the next document in your in your pack? The I think it's the 03/06/2001. Yeah. So that's the thing. So you'll see that the Bennelong Australian Equities Fund bounced back a little bit, Yep. and we've had a little bit more of a negative return in the gold sector, whereas previously, it was quite a large large return or profit, we should say. So as always, the market will change and fluctuate depending on what's happening worldwide, investment wide. Wide. There's so many different variables that can impact the return. However, given that you've got a thirty year time frame at a minimum, you are able to navigate and and hold those investments for the long term. Yep. And what's the next document you have? Just the consent to new ongoing fee arrangement. Yes. Yep. So what this document is is this is your to have a read through, this is our fees. So you'll see that our fees are capped at 1.65%. So if you just scroll down to the bottom of the first page, Yep. you see below that is the estimated fee per annum. That fee is then broken down into twelve months and deducted from your superannuation fund through hub twenty four. Yes. So if you wanted to maintain and continue the decline of Oakview Financial, we would need you to sign that. That's one of the forms that you would need to electronically sign and return. And did you have any questions regarding that fee? Yep. No worries. I'll find No. that now. Perfect. No. And then the last document should be your tax file number that the declaration, I guess, you call it, where it would require you to sign again. It's just saying that you you approve for us to maintain your tax file number on Nope. file for your superannuation purposes. So and that reason being is that if we don't provide hub twenty four with your tax file number, your super fund is then taxed at a higher rate, which is not ideal for for yourself. Not So if of that's course. just another form that you will need to sign and complete and return to us also. Yep. No worries. Just fine right now. Did you have any questions for me? No. Honestly no. It's pretty straightforward. So I'm Yeah.","start_word":2879,"end_word":3301,"sentiment":"neutral","sentiment_score":-0.01711224872744411},{"text":"glad to glad to see that it's still going fairly well.","start_word":3302,"end_word":3312,"sentiment":"positive","sentiment_score":0.5654973983764648},{"text":"And yeah. Yeah. No. No Yep. no real questions for me. Yeah.","start_word":3313,"end_word":3324,"sentiment":"neutral","sentiment_score":0.04689686745405197},{"text":"Thanks thanks for the update. I appreciate that.","start_word":3325,"end_word":3332,"sentiment":"positive","sentiment_score":0.5324097275733948},{"text":"No. That's alright. There's one last little question one little last bit I need to go through with you, and it's just your goals and objectives. So I just wanna make sure that we have these correct and then touch on some areas that we might need to. Previously, your superannuation, you indicated that you wanted the maximum returns from your super. So that was reviewed, and hub twenty four was recommended to be replaced. Has any of your has your goals for your superannuation changed, or is or do they may remain the No. It's all all pretty much the same? same. Yeah. So nothing Yep. nothing really to change for for me. Okay. Do you still plan on retiring at the age of 60? Yeah. Unless the wind tough lotto. Yeah. That's the plan. And we had a note here that you'd have you'd need about a thousand dollars a week in retirement. Is that correct? Yeah. It's about right. Yep. Yep. Alright. Previously, also, there was you had scoped out risk insurance as that you didn't really want them. Given that you've now had sorry. Ella, is this something that you wanted to look at now to ensure that your family is protected from a a life PPD and income protection if anything was to happen to you? No. Probably not at this stage. No. No. That's okay. That's fine. And then the cash flow and budgeting, I note that you have a fair amount of surplus cash flow. Are you directing that in to your your mortgage to make additional repayments? Are you interested in building an investment outside of your your superannuation or your home? Just just touching base on that. Yeah. No. Not not really interested in sort of any other additional Yep. investment, you know, a little bit towards the home loan, but more the saving for, yeah, personal Yeah. use. Yeah. That's okay.","start_word":3333,"end_word":3653,"sentiment":"neutral","sentiment_score":-0.00555033516138792},{"text":"That's perfect.","start_word":3654,"end_word":3655,"sentiment":"positive","sentiment_score":0.5912953615188599},{"text":"And then just lastly, I just wanted to touch on your estate planning. I note that you don't have a will or a power of attorney. Is this something that you and your wife are look planning to look into? Potentially at some point, but, yeah, not Yeah. not not at this stage. No. No. It's. Okay. That's no worries at all. If you ever do, we do have a professional partner that we can refer you to and send you through a brochure for you to review that if you like. It gives you an outline of costs and Hello?","start_word":3656,"end_word":3756,"sentiment":"neutral","sentiment_score":0.03429596162963622},{"text":"I think I've lost you.","start_word":3757,"end_word":3761,"sentiment":"negative","sentiment_score":-0.4284318387508392},{"text":"Are you there? Hello?","start_word":3762,"end_word":3765,"sentiment":"neutral","sentiment_score":-0.08754102885723114}],"average":{"sentiment":"neutral","sentiment_score":0.043220800757976345}}}}