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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be? Yeah. Perfect. That's exactly what I have here. And how's your morning been? Been busy? We're just kind of getting started. It's raining out here on the coast as well today, so not much fun. Now, Wayne, before I do kind of jump into the under review, I do like to start by asking if there is specific you would like me to focus on or address today or whether just a bit of a catch up and see what's happening? No. Okay. Perfect. And I do want to just touch base as well. I know that we spoke around October last year, and we talked about advice to switch some of your investments around. Do you remember that? Yeah. So with the investments and stuff, because we never got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you. So what yeah. Because yeah. Because I remember when we had the call, you said you signed on, like, when we were doing it. And I was like, yep. I told the team, and then in their system, there was just nothing that came back. And then, yeah, I think they sold off a couple of times, but it seems like we actually never got it back. So yeah. Yeah. No. Sometimes technology is great when it works, but frustrating when it doesn't. So what I would like after this call today is to to go and revisit that if you are happy with it. Because some of the investments that we were looking at switching you out of, I definitely would like to go ahead and changing that because some of them have underperformed a little bit lately, which is obviously seeing the performance down a little bit. So I would like to do that as soon as possible to kind of get you out of those investments as soon as we can to kind of go back on track for you. So I'll try to make it pretty quick today because we went through a lot of it not too long ago and then kind of book you in and go through the advice again. And then I'll try to make sure that if you're obviously happy with it, that I'll get the document signed so we can process it right away so it doesn't happen again for you. Yep. Perfect. So what I'll do first is just to kind of quickly go through a bit of a fact sign just to see if there is anything major that has changed in your life since we spoke last. So just bear with me as I go through this information here, Wayne. Now when it comes to your personal information, I have you down here as in a de facto relationship and no financial dependents. They're all a little bit older. Is that correct? Yep. Perfect. And has your address or anything changed, or that's all the same? All the same. Beautiful. Now next up, can I have your partner, Colleen, nominated? That's still the case as well? Yep. Beautiful. And their phone number hasn't changed, still ends in 355? Yep. Perfect. And when it comes to your occupation, I have here kind of two jobs. Your main one for Stellar Resources, in mining. That's still the case as well? You still work there full time? Finish there. Okay. Okay. Alright. Perfect. So I stopped that one and still doing the part time firefighting. Do you have any plans of doing, like, another mining thing again or just kind of for the time being, the part time firefighting is sufficient. Yes. Okay. No problem. And with the firefighting, I do have her income of about 25,000. Do you know if that's roughly the same, or has that changed? Yeah. Roughly the same as yep. Okay. Perfect. And they just pay you that kind of standard employee contribution just like the normal rules. There's no additional agreements or anything. Yep. Perfect. And are you still salary sacrificing as well, or did that kind of change with the when you didn't go to the mining job anymore? Yeah. Yep. Perfect. Is that something you are looking at maybe resuming it at? Or this kind of obviously depends maybe with your job situation. Yeah. Yeah. Yeah. No. That's fair. And when it comes to savings otherwise, I had here that last time you were saving about $500 a week. Did that change, obviously, with the work situation for you as well and, obviously, live living expenses? Yeah. No. That's especially with all the increasing in living expenses, that's the same for a lot of people. Now asset wise, I have here that your property last was valued at about 275,000. Is that still the case, or do you know if that's gone up a little bit? Okay. So happy to just kind of leave it the same for now. Yeah. And you don't have a mortgage attached to that one, do you? Nope. Perfect. I also have here a share portfolio of about 20,000. Around that? Yep. Perfect. Also, two motor vehicles abide at about $7,000. Yep. Perfect. And you didn't have anything owing on either of them, do you? That's perfect. Still a nonsmoker as well? Yep. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months? Nope. That's great. And do you have private health insurance? Nope. And when it comes to estate planning wise, I know last time we spoke, you had a kind of on the to do list to get a well sorted. Was that something you had time to do or still kind of on the to do list? No. That's okay. Now do you know someone that you could organize it through locally, or would you like us to send you some pricing of a firm that we work closely with up here if that would be helpful? You got one local? No. That's okay. That is no problem. Any other changes? Otherwise, we haven't gone through or kind of all the same. No. Perfect. And when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, When we spoke last year, your your main focus was to do some house renovation, and that was kind of the main focus. Is that still something you are kind of working towards, or did you do some renovation? Yep. Perfect. Yep. No. That's good. And, otherwise, I have here that, ideally, you would like to access super at the age of 65. Is that still kind of the plan? What do you think? Yes. Okay. Perfect. You don't think you'd wanna draw an income from super the four sixty five? No. Okay. And an ideal income per week, I have here of around $500. Do you think that would still kind of be achievable with living expenses and everything, or do you think you would need to draw a little bit more? Leave it at 5 100. Yep. Perfect. Yeah. Especially with not having a mortgage as well. It puts you in a pretty good position, which is good. Yeah. No. That's that's lovely. And when it comes to beneficiaries, sorry, on your super, if something ever were to happen to you, I have a 100% going to your partner at the moment. That's still the case as well? Yep. Perfect. Now I won't go through that whole risk profile questionnaire with you again because we didn't do it too long ago. But I do wanna just to confirm, has your risk tolerance or anything changed, or are you feeling quite similar through your your growth profile, how your money is invested otherwise, or have you had a bit of a change in how you feel about risk and fluctuations in the market? No. Flucting along? Yeah. No. Okay. Perfect. And just as a little recap for you, we do have you invest in a growth portfolio, which is what we were looking at last time as well. I'm just making a little bit of switches to some of your investments, swapping out some of those underperforming a little bit through a couple of other ones that will be a bit more better positioned moving forward with everything going on in the world and especially kind of what's happening since we spoke in October more so. And when we are looking at an asset allocation, we typically see about 80% invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities as well, and that is ultimately what is going to grow that super for you. And then about 20 percent in defensive assets, like your cash, your gold, your fixed interest, you're gonna limit those fluctuations a little bit while still obviously trying to focus on growing it. Does that all make sense, Wayne? Yep. Perfect. Yes. Do you yes. Now do you because with gold, it's part of the, like, alternative assets, so we do have it in your portfolio. If it is something you want to increase, I can consider that as part of the reset. The only thing would yep. Ex exactly. And then also if it exactly. Exactly. And then if we put too much in it, you don't wanna be over in one area as well. And then also wanna make sure we have a good diversification. So I'll have a look at it. And if it's still looking good, we'll kind of leave it as is in terms of how much you have. And just from a time frame point of view, growth portfolios would typically see about 60 at your retirement. So you are still in a good position from a time frame in that high growth in the growth portfolio, sorry, by having that time frame to about 65 at least. So happy with that. We will leave you in your growth portfolio. Now, Wayne, do you have access to your emails at the moment? Yep. Beautiful. So what I have done is I have just sent you an email with some documents just for the review today. And then like I said, I will go and do just that updated advice piece for you just to make sure the advice we did in October is still appropriate or if we need to make any further changes. And that will kind of go through your portfolio and everything in a little bit more detail again. But, otherwise, did that email come through okay? No. That's okay. It sometimes goes it sometimes goes to spam as well because we have this change to software. No. That's okay. Yeah. Maybe. Are you happy for me to kind of go through a little bit of the documents while we wait for that to come through for you? Yep. Perfect. I was trying to resend it as well because sometimes it is when the weather is a bit iffy, sometimes it does take a little bit longer. So just let me know if it does come through. Otherwise, when it does come through for you, you will see a couple of attachments. Now that is before you click on the link where it says sign now, you will see a couple of attachments added. Now what you will see is an updated financial services guide. That is one of those compliance documents. We went through it last year, but it's just a bit of an updated version. So all the important information in regards to us is in there for you. This we've had a bit of an update to marketing and a bit of an extension to the team. So if you do wanna have a bit of a read through that at your own time, that's all in there. Now you also have their Vanguard index chart. Again, just an updated version because they do release one every year. So this one here is now updated from 1995 through 2025. Again, just kind of showing you the the the market trends and what happened what has happened in the world since then. But, basically, when you do have a look at it, you will see that the market in the long term always goes up, like you said, as well. The short term, there will be some ups and downs in market fluctuations. Now you will also have a super summary, and that shows you your current balance in net wealth. So you do have your super in net wealth, and you do have about 209,833 in there. And we don't have any insurances for you. Now are you still happy to not have a comfortable without any insurances as well? Yep. Beautiful. Now you will also have a asset performance report just showing you your investments again. But like I said, I'll do some more research on the investment again and redo that advice for you to see if we can swap out some of those investments for you, making sure that we do have you in the best position for your retirement. And then the last thing is if you're happy to do so, it will then just be to sign two documents. Now has that come through for you yet at all there, Wayne? Okay. Okay. Perfect. Let me just see here because, yeah, it says it's been sent on my end. So it might just take a a couple of minutes or so. So just keep a lookout. It does. When it does come through, and if you're happy to do so when you have a moment, I will just need you to sign two documents. One will be just a tax file number form. It's just a compliance form to say we are keeping your tax file number secure and safe on file. And the other one, it is just your ongoing service agreement. And that is just to say that you are happy to stay on as the client. There is no changes whatsoever in regards to the fee structure there for you, Wayne. It stays exactly the same at 1.65 from superannuation. No changes in regards to that, and it is not a locking contract. So if at any point in time, if you are not happy, it is not a locking contract, but that just lets us service your account and manage everything for you in the meantime. Does that all make sense? Yep. Perfect. Do you have any questions for me in regards to anything we went over today or pretty straightforward? Oh, pretty straightforward? Okay. Perfect. So like I said, what I will do is I will go and update that advice piece for you that we kind of went through at the end of last year just to make sure it's all up to date if we need to make any other changes to the investment. And then I'll go through them with you again just to make sure you are happy with it, and then we can go ahead and make those investment changes for you. We do wanna see if we can swap you out of of a a couple that was underperforming and making sure that we have you in the best option. So when is a good time for you, for me to give you a call and go through that research again with you? Morning. But around this time? Yep. Okay. Let me have a look. Now I could do I could do this time again on Wednesday, June 10, so in two weeks. Would that work for you? Yes. Alright. Perfect. Now I will book that in on Wednesday, the tenth, same time as now for you. I'll give you a call and go through that research, talk a little bit more about your investment portfolio and potential changes with you. It shouldn't take too long because we've kind of touched on that before. And then I will make sure with IT that we get it back this time, and we can get it sorted so we don't have the same issue for you. Do you have any questions or anything else from me otherwise before I let you go and enjoy the rest of your morning? No. The I don't know if there that you can, like I think sometimes you can forward. Like, you can set up another email, and you can do, like, a a forward request. So everything that goes into your old email is automatically forward onto a new one. How you do that, I have no idea. I'm not super tech savvy either, but I think you can potentially do that. Are you looking at changing your email? Oh, yeah. That's not good. Yeah. Yeah. It is painful unless you set up, like, a new one and then, like, gradually go through and change them. Yeah. Which is slightly painful. But then maybe by the time you have done it, it will obviously make your life easier moving forward. It's just a bit of a bit of a painful thing in the interim. If you do go ahead and change it, just let us know. We can always get everything updated for you. But I will leave it for now, obviously, until the tenth. And then if you do, like I said, yeah, add new email and you want us to update the record or anything with that as well, we can always do that for you. Yep. No problem at all. Yeah. No. I I will Yeah. But, yeah, maybe have a look too because I think, yeah, there might be a way that you can forward on. So similar to what you can do, like, you know, if you move the address, that you can have, like, a a forward of a post. I have read somewhere you could pretend to do that with an email address. But but, yes, I'm not exactly sure how to do how to do that. So, yes, hopefully, you find something. If you do, let me know. I will let you go, Wayne. Thank you so much for your time this morning, and I will give you a call on Wednesday, the tenth, to go through your e investments and potential changes with you. Yep. No problem at all. Well, thank you so much, and I look forward to speaking with you in a fortnight. Talk then. 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morning. Is this Wayne? This is Veronica from Oakview Financial. How are you? That's good.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be? Yeah. Perfect.\n\nThat's exactly what I have here. And how's your morning been? Been busy? We're just kind of getting started. It's raining out here on the coast as well today, so not much fun.\n\nNow, Wayne, before I do kind of jump into the under review, I do like to start by asking if there is specific you would like me to focus on or address today or whether just a bit of a catch up and see what's happening? No. Okay. Perfect. And I do want to just touch base as well.\n\nI know that we spoke around October last year, and we talked about advice to switch some of your investments around. Do you remember that? Yeah. So with the investments and stuff, because we never got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you. So what yeah.\n\nBecause yeah. Because I remember when we had the call, you said you signed on, like, when we were doing it. And I was like, yep. I told the team, and then in their system, there was just nothing that came back. And then, yeah, I think they sold off a couple of times, but it seems like we actually never got it back.\n\nSo yeah. Yeah. No. Sometimes technology is great when it works, but frustrating when it doesn't. So what I would like after this call today is to to go and revisit that if you are happy with it.\n\nBecause some of the investments that we were looking at switching you out of, I definitely would like to go ahead and changing that because some of them have underperformed a little bit lately, which is obviously seeing the performance down a little bit. So I would like to do that as soon as possible to kind of get you out of those investments as soon as we can to kind of go back on track for you. So I'll try to make it pretty quick today because we went through a lot of it not too long ago and then kind of book you in and go through the advice again. And then I'll try to make sure that if you're obviously happy with it, that I'll get the document signed so we can process it right away so it doesn't happen again for you. Yep.\n\nPerfect. So what I'll do first is just to kind of quickly go through a bit of a fact sign just to see if there is anything major that has changed in your life since we spoke last. So just bear with me as I go through this information here, Wayne. Now when it comes to your personal information, I have you down here as in a de facto relationship and no financial dependents. They're all a little bit older.\n\nIs that correct? Yep. Perfect. And has your address or anything changed, or that's all the same? All the same.\n\nBeautiful. Now next up, can I have your partner, Colleen, nominated? That's still the case as well? Yep. Beautiful.\n\nAnd their phone number hasn't changed, still ends in 355? Yep. Perfect. And when it comes to your occupation, I have here kind of two jobs. Your main one for Stellar Resources, in mining.\n\nThat's still the case as well? You still work there full time? Finish there. Okay. Okay.\n\nAlright. Perfect. So I stopped that one and still doing the part time firefighting. Do you have any plans of doing, like, another mining thing again or just kind of for the time being, the part time firefighting is sufficient. Yes.\n\nOkay. No problem. And with the firefighting, I do have her income of about 25,000. Do you know if that's roughly the same, or has that changed? Yeah.\n\nRoughly the same as yep. Okay. Perfect. And they just pay you that kind of standard employee contribution just like the normal rules. There's no additional agreements or anything.\n\nYep. Perfect. And are you still salary sacrificing as well, or did that kind of change with the when you didn't go to the mining job anymore? Yeah. Yep.\n\nPerfect. Is that something you are looking at maybe resuming it at? Or this kind of obviously depends maybe with your job situation. Yeah. Yeah.\n\nYeah. No. That's fair. And when it comes to savings otherwise, I had here that last time you were saving about $500 a week. Did that change, obviously, with the work situation for you as well and, obviously, live living expenses?\n\nYeah. No. That's especially with all the increasing in living expenses, that's the same for a lot of people. Now asset wise, I have here that your property last was valued at about 275,000. Is that still the case, or do you know if that's gone up a little bit?\n\nOkay. So happy to just kind of leave it the same for now. Yeah. And you don't have a mortgage attached to that one, do you? Nope.\n\nPerfect. I also have here a share portfolio of about 20,000. Around that? Yep. Perfect.\n\nAlso, two motor vehicles abide at about $7,000. Yep. Perfect. And you didn't have anything owing on either of them, do you? That's perfect.\n\nStill a nonsmoker as well? Yep. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months? Nope.\n\nThat's great. And do you have private health insurance? Nope. And when it comes to estate planning wise, I know last time we spoke, you had a kind of on the to do list to get a well sorted. Was that something you had time to do or still kind of on the to do list?\n\nNo. That's okay. Now do you know someone that you could organize it through locally, or would you like us to send you some pricing of a firm that we work closely with up here if that would be helpful? You got one local? No.\n\nThat's okay. That is no problem. Any other changes? Otherwise, we haven't gone through or kind of all the same. No.\n\nPerfect. And when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, When we spoke last year, your your main focus was to do some house renovation, and that was kind of the main focus. Is that still something you are kind of working towards, or did you do some renovation? Yep. Perfect.\n\nYep. No. That's good. And, otherwise, I have here that, ideally, you would like to access super at the age of 65. Is that still kind of the plan?\n\nWhat do you think? Yes. Okay. Perfect. You don't think you'd wanna draw an income from super the four sixty five?\n\nNo. Okay. And an ideal income per week, I have here of around $500. Do you think that would still kind of be achievable with living expenses and everything, or do you think you would need to draw a little bit more? Leave it at 5 100.\n\nYep. Perfect. Yeah. Especially with not having a mortgage as well. It puts you in a pretty good position, which is good.\n\nYeah. No. That's that's lovely. And when it comes to beneficiaries, sorry, on your super, if something ever were to happen to you, I have a 100% going to your partner at the moment. That's still the case as well?\n\nYep. Perfect. Now I won't go through that whole risk profile questionnaire with you again because we didn't do it too long ago. But I do wanna just to confirm, has your risk tolerance or anything changed, or are you feeling quite similar through your your growth profile, how your money is invested otherwise, or have you had a bit of a change in how you feel about risk and fluctuations in the market? No.\n\nFlucting along? Yeah. No. Okay. Perfect.\n\nAnd just as a little recap for you, we do have you invest in a growth portfolio, which is what we were looking at last time as well. I'm just making a little bit of switches to some of your investments, swapping out some of those underperforming a little bit through a couple of other ones that will be a bit more better positioned moving forward with everything going on in the world and especially kind of what's happening since we spoke in October more so. And when we are looking at an asset allocation, we typically see about 80% invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities as well, and that is ultimately what is going to grow that super for you. And then about 20 percent in defensive assets, like your cash, your gold, your fixed interest, you're gonna limit those fluctuations a little bit while still obviously trying to focus on growing it.\n\nDoes that all make sense, Wayne? Yep. Perfect. Yes. Do you yes.\n\nNow do you because with gold, it's part of the, like, alternative assets, so we do have it in your portfolio. If it is something you want to increase, I can consider that as part of the reset. The only thing would yep. Ex exactly. And then also if it exactly.\n\nExactly. And then if we put too much in it, you don't wanna be over in one area as well. And then also wanna make sure we have a good diversification. So I'll have a look at it. And if it's still looking good, we'll kind of leave it as is in terms of how much you have.\n\nAnd just from a time frame point of view, growth portfolios would typically see about 60 at your retirement. So you are still in a good position from a time frame in that high growth in the growth portfolio, sorry, by having that time frame to about 65 at least. So happy with that. We will leave you in your growth portfolio. Now, Wayne, do you have access to your emails at the moment?\n\nYep. Beautiful. So what I have done is I have just sent you an email with some documents just for the review today. And then like I said, I will go and do just that updated advice piece for you just to make sure the advice we did in October is still appropriate or if we need to make any further changes. And that will kind of go through your portfolio and everything in a little bit more detail again.\n\nBut, otherwise, did that email come through okay? No. That's okay. It sometimes goes it sometimes goes to spam as well because we have this change to software. No.\n\nThat's okay. Yeah. Maybe. Are you happy for me to kind of go through a little bit of the documents while we wait for that to come through for you? Yep.\n\nPerfect. I was trying to resend it as well because sometimes it is when the weather is a bit iffy, sometimes it does take a little bit longer. So just let me know if it does come through. Otherwise, when it does come through for you, you will see a couple of attachments. Now that is before you click on the link where it says sign now, you will see a couple of attachments added.\n\nNow what you will see is an updated financial services guide. That is one of those compliance documents. We went through it last year, but it's just a bit of an updated version. So all the important information in regards to us is in there for you. This we've had a bit of an update to marketing and a bit of an extension to the team.\n\nSo if you do wanna have a bit of a read through that at your own time, that's all in there. Now you also have their Vanguard index chart. Again, just an updated version because they do release one every year. So this one here is now updated from 1995 through 2025. Again, just kind of showing you the the the market trends and what happened what has happened in the world since then.\n\nBut, basically, when you do have a look at it, you will see that the market in the long term always goes up, like you said, as well. The short term, there will be some ups and downs in market fluctuations. Now you will also have a super summary, and that shows you your current balance in net wealth. So you do have your super in net wealth, and you do have about 209,833 in there. And we don't have any insurances for you.\n\nNow are you still happy to not have a comfortable without any insurances as well? Yep. Beautiful. Now you will also have a asset performance report just showing you your investments again. But like I said, I'll do some more research on the investment again and redo that advice for you to see if we can swap out some of those investments for you, making sure that we do have you in the best position for your retirement.\n\nAnd then the last thing is if you're happy to do so, it will then just be to sign two documents. Now has that come through for you yet at all there, Wayne? Okay. Okay. Perfect.\n\nLet me just see here because, yeah, it says it's been sent on my end. So it might just take a a couple of minutes or so. So just keep a lookout. It does. When it does come through, and if you're happy to do so when you have a moment, I will just need you to sign two documents.\n\nOne will be just a tax file number form. It's just a compliance form to say we are keeping your tax file number secure and safe on file. And the other one, it is just your ongoing service agreement. And that is just to say that you are happy to stay on as the client. There is no changes whatsoever in regards to the fee structure there for you, Wayne.\n\nIt stays exactly the same at 1.65 from superannuation. No changes in regards to that, and it is not a locking contract. So if at any point in time, if you are not happy, it is not a locking contract, but that just lets us service your account and manage everything for you in the meantime. Does that all make sense? Yep.\n\nPerfect. Do you have any questions for me in regards to anything we went over today or pretty straightforward? Oh, pretty straightforward? Okay. Perfect.\n\nSo like I said, what I will do is I will go and update that advice piece for you that we kind of went through at the end of last year just to make sure it's all up to date if we need to make any other changes to the investment. And then I'll go through them with you again just to make sure you are happy with it, and then we can go ahead and make those investment changes for you. We do wanna see if we can swap you out of of a a couple that was underperforming and making sure that we have you in the best option. So when is a good time for you, for me to give you a call and go through that research again with you? Morning.\n\nBut around this time? Yep. Okay. Let me have a look. Now I could do I could do this time again on Wednesday, June 10, so in two weeks.\n\nWould that work for you? Yes. Alright. Perfect. Now I will book that in on Wednesday, the tenth, same time as now for you.\n\nI'll give you a call and go through that research, talk a little bit more about your investment portfolio and potential changes with you. It shouldn't take too long because we've kind of touched on that before. And then I will make sure with IT that we get it back this time, and we can get it sorted so we don't have the same issue for you. Do you have any questions or anything else from me otherwise before I let you go and enjoy the rest of your morning? No.\n\nThe I don't know if there that you can, like I think sometimes you can forward. Like, you can set up another email, and you can do, like, a a forward request. So everything that goes into your old email is automatically forward onto a new one. How you do that, I have no idea. I'm not super tech savvy either, but I think you can potentially do that.\n\nAre you looking at changing your email? Oh, yeah. That's not good. Yeah. Yeah.\n\nIt is painful unless you set up, like, a new one and then, like, gradually go through and change them. Yeah. Which is slightly painful. But then maybe by the time you have done it, it will obviously make your life easier moving forward. It's just a bit of a bit of a painful thing in the interim.\n\nIf you do go ahead and change it, just let us know. We can always get everything updated for you. But I will leave it for now, obviously, until the tenth. And then if you do, like I said, yeah, add new email and you want us to update the record or anything with that as well, we can always do that for you. Yep.\n\nNo problem at all. Yeah. No. I I will Yeah. But, yeah, maybe have a look too because I think, yeah, there might be a way that you can forward on.\n\nSo similar to what you can do, like, you know, if you move the address, that you can have, like, a a forward of a post. I have read somewhere you could pretend to do that with an email address. But but, yes, I'm not exactly sure how to do how to do that. So, yes, hopefully, you find something. If you do, let me know.\n\nI will let you go, Wayne. Thank you so much for your time this morning, and I will give you a call on Wednesday, the tenth, to go through your e investments and potential changes with you. Yep. No problem at all. Well, thank you so much, and I look forward to speaking with you in a fortnight.\n\nTalk then. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.8399999,"end":2.32,"sentiment":"neutral","sentiment_score":0.17896809428930283},{"text":"Is this Wayne?","start":2.32,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.11441859851280849},{"text":"This is Veronica from Oakview Financial.","start":5.12,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1287632423142592},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.11288759609063466},{"text":"That's good.","start":10.0,"end":10.9,"sentiment":"positive","sentiment_score":0.666924774646759}],"sentiment":"neutral","sentiment_score":0.19664273597300053,"num_words":16,"start":1.8399999,"end":10.9},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":11.84,"end":14.559999,"sentiment":"positive","sentiment_score":0.44172343611717224},{"text":"Is now still a good time for you?","start":14.559999,"end":16.355,"sentiment":"neutral","sentiment_score":0.32120008021593094},{"text":"Yep.","start":18.015,"end":18.515,"sentiment":"neutral","sentiment_score":0.13596835732460022},{"text":"Perfect.","start":18.575,"end":19.075,"sentiment":"neutral","sentiment_score":0.32173436880111694},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":19.455,"end":27.154999,"sentiment":"neutral","sentiment_score":0.05778052452309378}],"sentiment":"neutral","sentiment_score":0.19123792752623558,"num_words":50,"start":11.84,"end":27.154999},{"sentences":[{"text":"Perfect.","start":28.59,"end":29.09,"sentiment":"neutral","sentiment_score":0.21583333611488345},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you.","start":29.23,"end":33.95,"sentiment":"neutral","sentiment_score":0.09103318639099597},{"text":"Do you know where that might be?","start":33.95,"end":35.57,"sentiment":"neutral","sentiment_score":0.035430652488555224},{"text":"Yeah.","start":36.91,"end":37.309998,"sentiment":"neutral","sentiment_score":0.1171826645731926},{"text":"Perfect.","start":37.309998,"end":37.79,"sentiment":"neutral","sentiment_score":0.2880876660346985}],"sentiment":"neutral","sentiment_score":0.08965939873208602,"num_words":30,"start":28.59,"end":37.79},{"sentences":[{"text":"That's exactly what I have here.","start":37.79,"end":39.55,"sentiment":"neutral","sentiment_score":0.31334565083185834},{"text":"And how's your morning been?","start":39.55,"end":40.91,"sentiment":"neutral","sentiment_score":0.09479075223207474},{"text":"Been busy?","start":40.91,"end":41.55,"sentiment":"neutral","sentiment_score":0.018120621796697378},{"text":"We're just kind of getting started.","start":41.55,"end":43.17,"sentiment":"neutral","sentiment_score":-0.029639095533639193},{"text":"It's raining out here on the coast as well today, so not much fun.","start":46.645,"end":51.705,"sentiment":"negative","sentiment_score":-0.354841873049736}],"sentiment":"neutral","sentiment_score":-0.08349551170161276,"num_words":33,"start":37.79,"end":51.705},{"sentences":[{"text":"Now, Wayne, before I do kind of jump into the under review, I do like to start by asking if there is specific you would like me to focus on or address today or whether just a bit of a catch up and see what's happening?","start":53.045002,"end":64.7,"sentiment":"neutral","sentiment_score":-0.011245916111637716},{"text":"No.","start":67.4,"end":67.64,"sentiment":"neutral","sentiment_score":-0.09741861373186111},{"text":"Okay.","start":67.64,"end":68.04,"sentiment":"neutral","sentiment_score":-0.013265414163470268},{"text":"Perfect.","start":68.04,"end":68.54,"sentiment":"neutral","sentiment_score":0.08503833413124084},{"text":"And I do want to just touch base as well.","start":69.24,"end":72.36,"sentiment":"neutral","sentiment_score":0.03915236629545689}],"sentiment":"neutral","sentiment_score":-0.0025666808804212992,"num_words":59,"start":53.045002,"end":72.36},{"sentences":[{"text":"I know that we spoke around October last year, and we talked about advice to switch some of your investments around.","start":72.36,"end":83.174995,"sentiment":"neutral","sentiment_score":-0.008386499470188505},{"text":"Do you remember that?","start":83.715,"end":85.015,"sentiment":"neutral","sentiment_score":-0.007959185633808374},{"text":"Yeah.","start":86.274994,"end":86.774994,"sentiment":"neutral","sentiment_score":-0.04127577692270279},{"text":"So with the investments and stuff, because we never got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you.","start":87.314995,"end":102.28999,"sentiment":"neutral","sentiment_score":-0.15594704236303056},{"text":"So what yeah.","start":102.67,"end":110.975,"sentiment":"neutral","sentiment_score":-0.21532231072584787}],"sentiment":"neutral","sentiment_score":-0.10485875661629186,"num_words":71,"start":72.36,"end":110.975},{"sentences":[{"text":"Because yeah.","start":110.975,"end":112.575,"sentiment":"neutral","sentiment_score":-0.15801449120044708},{"text":"Because I remember when we had the call, you said you signed on, like, when we were doing it.","start":112.575,"end":116.735,"sentiment":"neutral","sentiment_score":-0.10052685557227385},{"text":"And I was like, yep.","start":116.735,"end":117.454994,"sentiment":"neutral","sentiment_score":-0.12143522948026657},{"text":"I told the team, and then in their system, there was just nothing that came back.","start":117.454994,"end":121.67,"sentiment":"neutral","sentiment_score":-0.16224555438384414},{"text":"And then, yeah, I think they sold off a couple of times, but it seems like we actually never got it back.","start":122.85,"end":128.07,"sentiment":"neutral","sentiment_score":-0.23181666501543738}],"sentiment":"neutral","sentiment_score":-0.16451735759619623,"num_words":64,"start":110.975,"end":128.07},{"sentences":[{"text":"So yeah.","start":128.53,"end":130.71,"sentiment":"neutral","sentiment_score":-0.02920676115900278},{"text":"Yeah.","start":135.655,"end":136.155,"sentiment":"neutral","sentiment_score":-0.010378148406744003},{"text":"No.","start":136.295,"end":136.53499,"sentiment":"neutral","sentiment_score":-0.1272558867931366},{"text":"Sometimes technology is great when it works, but frustrating when it doesn't.","start":136.53499,"end":140.875,"sentiment":"neutral","sentiment_score":-0.13084590900689363},{"text":"So what I would like after this call today is to to go and revisit that if you are happy with it.","start":141.415,"end":148.26001,"sentiment":"neutral","sentiment_score":0.016155211424285717}],"sentiment":"neutral","sentiment_score":-0.03712588984911379,"num_words":38,"start":128.53,"end":148.26001},{"sentences":[{"text":"Because some of the investments that we were looking at switching you out of, I definitely would like to go ahead and changing that because some of them have underperformed a little bit lately, which is obviously seeing the performance down a little bit.","start":149.52,"end":164.745,"sentiment":"neutral","sentiment_score":-0.1401262723586776},{"text":"So I would like to do that as soon as possible to kind of get you out of those investments as soon as we can to kind of go back on track for you.","start":164.745,"end":175.31,"sentiment":"neutral","sentiment_score":-0.06151704621665618},{"text":"So I'll try to make it pretty quick today because we went through a lot of it not too long ago and then kind of book you in and go through the advice again.","start":175.68999,"end":185.315,"sentiment":"neutral","sentiment_score":0.10402078663601595},{"text":"And then I'll try to make sure that if you're obviously happy with it, that I'll get the document signed so we can process it right away so it doesn't happen again for you.","start":185.375,"end":194.61,"sentiment":"neutral","sentiment_score":0.13466410937903942},{"text":"Yep.","start":195.73,"end":196.23,"sentiment":"neutral","sentiment_score":0.19524863362312317}],"sentiment":"neutral","sentiment_score":0.0003632621971896666,"num_words":147,"start":149.52,"end":196.23},{"sentences":[{"text":"Perfect.","start":196.29,"end":196.79,"sentiment":"positive","sentiment_score":0.4521475434303284},{"text":"So what I'll do first is just to kind of quickly go through a bit of a fact sign just to see if there is anything major that has changed in your life since we spoke last.","start":197.09,"end":206.625,"sentiment":"neutral","sentiment_score":0.13247275584050128},{"text":"So just bear with me as I go through this information here, Wayne.","start":207.105,"end":210.805,"sentiment":"neutral","sentiment_score":0.08914907792439827},{"text":"Now when it comes to your personal information, I have you down here as in a de facto relationship and no financial dependents.","start":211.425,"end":220.6,"sentiment":"neutral","sentiment_score":0.03914815160121931},{"text":"They're all a little bit older.","start":220.6,"end":221.88,"sentiment":"neutral","sentiment_score":-0.010762673492232958}],"sentiment":"neutral","sentiment_score":0.09185511210525873,"num_words":80,"start":196.29,"end":221.88},{"sentences":[{"text":"Is that correct?","start":221.88,"end":222.78,"sentiment":"neutral","sentiment_score":0.03102635902663072},{"text":"Yep.","start":223.88,"end":224.28,"sentiment":"neutral","sentiment_score":0.08232292532920837},{"text":"Perfect.","start":224.28,"end":224.78,"sentiment":"neutral","sentiment_score":0.2085340917110443},{"text":"And has your address or anything changed, or that's all the same?","start":225.32,"end":230.62,"sentiment":"neutral","sentiment_score":0.05742040711144606},{"text":"All the same.","start":232.215,"end":233.015,"sentiment":"neutral","sentiment_score":0.1586796243985494}],"sentiment":"neutral","sentiment_score":0.07745099263265728,"num_words":20,"start":221.88,"end":233.015},{"sentences":[{"text":"Beautiful.","start":233.015,"end":233.515,"sentiment":"positive","sentiment_score":0.49352431297302246},{"text":"Now next up, can I have your partner, Colleen, nominated?","start":235.175,"end":240.315,"sentiment":"neutral","sentiment_score":0.17086962908506392},{"text":"That's still the case as well?","start":240.375,"end":241.915,"sentiment":"neutral","sentiment_score":0.13835810869932175},{"text":"Yep.","start":242.855,"end":243.255,"sentiment":"neutral","sentiment_score":0.2643008828163147},{"text":"Beautiful.","start":243.255,"end":243.755,"sentiment":"positive","sentiment_score":0.6304504871368408}],"sentiment":"neutral","sentiment_score":0.20669055926172356,"num_words":19,"start":233.015,"end":243.755},{"sentences":[{"text":"And their phone number hasn't changed, still ends in 355?","start":243.895,"end":247.515,"sentiment":"neutral","sentiment_score":0.05913006439805031},{"text":"Yep.","start":249.14,"end":249.54,"sentiment":"neutral","sentiment_score":0.11664184927940369},{"text":"Perfect.","start":249.54,"end":250.04,"sentiment":"positive","sentiment_score":0.46889960765838623},{"text":"And when it comes to your occupation, I have here kind of two jobs.","start":250.42,"end":255.7,"sentiment":"neutral","sentiment_score":0.040592008004231114},{"text":"Your main one for Stellar Resources, in mining.","start":255.7,"end":260.6,"sentiment":"neutral","sentiment_score":0.0252561952220276}],"sentiment":"neutral","sentiment_score":0.057269993375110274,"num_words":34,"start":243.895,"end":260.6},{"sentences":[{"text":"That's still the case as well?","start":261.765,"end":262.885,"sentiment":"neutral","sentiment_score":0.025798141956329346},{"text":"You still work there full time?","start":262.885,"end":264.345,"sentiment":"neutral","sentiment_score":-0.005921054941912492},{"text":"Finish there.","start":266.725,"end":267.70502,"sentiment":"neutral","sentiment_score":-0.08192558959126472},{"text":"Okay.","start":270.005,"end":270.505,"sentiment":"neutral","sentiment_score":-0.020664256066083908},{"text":"Okay.","start":272.965,"end":273.465,"sentiment":"neutral","sentiment_score":0.007985723204910755}],"sentiment":"neutral","sentiment_score":-0.0035791993723250926,"num_words":16,"start":261.765,"end":273.465},{"sentences":[{"text":"Alright.","start":274.68,"end":275.0,"sentiment":"neutral","sentiment_score":0.0972188636660576},{"text":"Perfect.","start":275.0,"end":275.48,"sentiment":"neutral","sentiment_score":0.2179875522851944},{"text":"So I stopped that one and still doing the part time firefighting.","start":275.48,"end":278.46,"sentiment":"neutral","sentiment_score":0.007891866378486156},{"text":"Do you have any plans of doing, like, another mining thing again or just kind of for the time being, the part time firefighting is sufficient.","start":279.48,"end":289.895,"sentiment":"neutral","sentiment_score":-0.01307057703916843},{"text":"Yes.","start":296.115,"end":296.51498,"sentiment":"neutral","sentiment_score":0.03446458280086517}],"sentiment":"neutral","sentiment_score":0.0025497168847700446,"num_words":41,"start":274.68,"end":296.51498},{"sentences":[{"text":"Okay.","start":296.51498,"end":296.995,"sentiment":"neutral","sentiment_score":0.047279782593250275},{"text":"No problem.","start":296.995,"end":297.735,"sentiment":"neutral","sentiment_score":0.05692199431359768},{"text":"And with the firefighting, I do have her income of about 25,000.","start":298.355,"end":307.06998,"sentiment":"neutral","sentiment_score":0.031454920613517366},{"text":"Do you know if that's roughly the same, or has that changed?","start":309.44998,"end":312.43,"sentiment":"neutral","sentiment_score":0.004118072800338268},{"text":"Yeah.","start":316.185,"end":316.685,"sentiment":"neutral","sentiment_score":0.0001559397205710411}],"sentiment":"neutral","sentiment_score":0.021005558282403008,"num_words":28,"start":296.51498,"end":316.685},{"sentences":[{"text":"Roughly the same as yep.","start":318.665,"end":321.545,"sentiment":"neutral","sentiment_score":-0.011717821285128594},{"text":"Okay.","start":321.545,"end":322.025,"sentiment":"neutral","sentiment_score":0.10473707318305968},{"text":"Perfect.","start":322.025,"end":322.525,"sentiment":"neutral","sentiment_score":0.2663993537425995},{"text":"And they just pay you that kind of standard employee contribution just like the normal rules.","start":323.545,"end":329.00998,"sentiment":"neutral","sentiment_score":0.10847497871145606},{"text":"There's no additional agreements or anything.","start":329.00998,"end":331.34998,"sentiment":"neutral","sentiment_score":0.003470964108904203}],"sentiment":"neutral","sentiment_score":0.07134388843230133,"num_words":29,"start":318.665,"end":331.34998},{"sentences":[{"text":"Yep.","start":332.44998,"end":332.93,"sentiment":"neutral","sentiment_score":0.0723230168223381},{"text":"Perfect.","start":332.93,"end":333.43,"sentiment":"neutral","sentiment_score":0.2049025595188141},{"text":"And are you still salary sacrificing as well, or did that kind of change with the when you didn't go to the mining job anymore?","start":334.77,"end":343.03,"sentiment":"neutral","sentiment_score":-0.05467343352735043},{"text":"Yeah.","start":346.215,"end":346.715,"sentiment":"neutral","sentiment_score":-0.0010002851486206057},{"text":"Yep.","start":347.735,"end":348.13498,"sentiment":"neutral","sentiment_score":0.04997900873422623}],"sentiment":"neutral","sentiment_score":-0.0358838461467932,"num_words":29,"start":332.44998,"end":348.13498},{"sentences":[{"text":"Perfect.","start":348.13498,"end":348.615,"sentiment":"neutral","sentiment_score":0.2349864691495895},{"text":"Is that something you are looking at maybe resuming it at?","start":348.615,"end":352.29498,"sentiment":"neutral","sentiment_score":0.024041320789944042},{"text":"Or this kind of obviously depends maybe with your job situation.","start":352.29498,"end":355.595,"sentiment":"neutral","sentiment_score":-0.026110896502028812},{"text":"Yeah.","start":358.2,"end":358.7,"sentiment":"neutral","sentiment_score":-0.0048830024898052216},{"text":"Yeah.","start":359.63998,"end":360.13998,"sentiment":"neutral","sentiment_score":0.012006661854684351}],"sentiment":"neutral","sentiment_score":0.008773791827261448,"num_words":25,"start":348.13498,"end":360.13998},{"sentences":[{"text":"Yeah.","start":360.52,"end":361.0,"sentiment":"neutral","sentiment_score":-0.0052353572100400925},{"text":"No.","start":361.0,"end":361.32,"sentiment":"neutral","sentiment_score":-0.08722943067550659},{"text":"That's fair.","start":361.32,"end":362.13998,"sentiment":"neutral","sentiment_score":-0.04548424109816551},{"text":"And when it comes to savings otherwise, I had here that last time you were saving about $500 a week.","start":363.56,"end":371.82,"sentiment":"neutral","sentiment_score":0.017285914765670894},{"text":"Did that change, obviously, with the work situation for you as well and, obviously, live living expenses?","start":372.19498,"end":378.85498,"sentiment":"neutral","sentiment_score":0.01075966946561547}],"sentiment":"neutral","sentiment_score":0.008419497710902517,"num_words":41,"start":360.52,"end":378.85498},{"sentences":[{"text":"Yeah.","start":379.955,"end":380.455,"sentiment":"neutral","sentiment_score":-0.04933740943670273},{"text":"No.","start":380.59497,"end":380.75497,"sentiment":"neutral","sentiment_score":-0.24408870935440063},{"text":"That's especially with all the increasing in living expenses, that's the same for a lot of people.","start":380.75497,"end":385.81497,"sentiment":"neutral","sentiment_score":-0.2621739033390494},{"text":"Now asset wise, I have here that your property last was valued at about 275,000.","start":387.84,"end":395.78,"sentiment":"neutral","sentiment_score":-0.0037960718696316083},{"text":"Is that still the case, or do you know if that's gone up a little bit?","start":396.64,"end":399.615,"sentiment":"neutral","sentiment_score":-0.028958183946087956}],"sentiment":"neutral","sentiment_score":-0.10541308993473648,"num_words":50,"start":379.955,"end":399.615},{"sentences":[{"text":"Okay.","start":404.175,"end":404.57498,"sentiment":"neutral","sentiment_score":0.1000206023454666},{"text":"So happy to just kind of leave it the same for now.","start":404.57498,"end":406.995,"sentiment":"positive","sentiment_score":0.39551016067465145},{"text":"Yeah.","start":407.775,"end":408.01498,"sentiment":"neutral","sentiment_score":0.08788652718067169},{"text":"And you don't have a mortgage attached to that one, do you?","start":408.01498,"end":410.755,"sentiment":"neutral","sentiment_score":0.028502412295589846},{"text":"Nope.","start":411.615,"end":412.01498,"sentiment":"neutral","sentiment_score":-0.0022101241629570723}],"sentiment":"neutral","sentiment_score":0.19532769929652136,"num_words":27,"start":404.175,"end":412.01498},{"sentences":[{"text":"Perfect.","start":412.01498,"end":412.495,"sentiment":"neutral","sentiment_score":0.19087207317352295},{"text":"I also have here a share portfolio of about 20,000.","start":412.495,"end":416.56,"sentiment":"neutral","sentiment_score":0.1009606122970581},{"text":"Around that?","start":421.9,"end":422.8,"sentiment":"neutral","sentiment_score":0.0438710767775774},{"text":"Yep.","start":423.25998,"end":423.74,"sentiment":"neutral","sentiment_score":0.08284243196249008},{"text":"Perfect.","start":423.74,"end":424.24,"sentiment":"neutral","sentiment_score":0.2792300581932068}],"sentiment":"neutral","sentiment_score":0.11001952265699705,"num_words":15,"start":412.01498,"end":424.24},{"sentences":[{"text":"Also, two motor vehicles abide at about $7,000.","start":424.86,"end":430.295,"sentiment":"neutral","sentiment_score":0.07366215763613582},{"text":"Yep.","start":433.55502,"end":433.95502,"sentiment":"neutral","sentiment_score":0.1372177004814148},{"text":"Perfect.","start":433.95502,"end":434.27502,"sentiment":"neutral","sentiment_score":0.32033008337020874},{"text":"And you didn't have anything owing on either of them, do you?","start":434.27502,"end":436.855,"sentiment":"neutral","sentiment_score":0.05324210738763213},{"text":"That's perfect.","start":437.475,"end":438.295,"sentiment":"neutral","sentiment_score":0.11374503746628761}],"sentiment":"neutral","sentiment_score":0.07971835035520296,"num_words":24,"start":424.86,"end":438.295},{"sentences":[{"text":"Still a nonsmoker as well?","start":439.875,"end":442.05502,"sentiment":"neutral","sentiment_score":0.021658919751644135},{"text":"Yep.","start":443.37003,"end":443.85,"sentiment":"neutral","sentiment_score":0.05396517738699913},{"text":"Perfect.","start":443.85,"end":444.35,"sentiment":"neutral","sentiment_score":0.17796295881271362},{"text":"And have you had any significant health issues or injuries or anything in the last twelve months?","start":444.73,"end":449.63,"sentiment":"neutral","sentiment_score":-0.023499336641500976},{"text":"Nope.","start":450.81,"end":451.31,"sentiment":"neutral","sentiment_score":0.009613889269530771}],"sentiment":"neutral","sentiment_score":-0.001986083947122097,"num_words":25,"start":439.875,"end":451.31},{"sentences":[{"text":"That's great.","start":451.37003,"end":452.19,"sentiment":"neutral","sentiment_score":0.25377629697322845},{"text":"And do you have private health insurance?","start":453.61002,"end":455.39,"sentiment":"neutral","sentiment_score":0.009132560874734606},{"text":"Nope.","start":456.82498,"end":457.32498,"sentiment":"neutral","sentiment_score":-0.061752691864967346},{"text":"And when it comes to estate planning wise, I know last time we spoke, you had a kind of on the to do list to get a well sorted.","start":457.705,"end":466.60498,"sentiment":"neutral","sentiment_score":-0.040491371190753474},{"text":"Was that something you had time to do or still kind of on the to do list?","start":467.865,"end":471.84,"sentiment":"neutral","sentiment_score":-0.026051639853154913}],"sentiment":"neutral","sentiment_score":-0.019774996675550938,"num_words":56,"start":451.37003,"end":471.84},{"sentences":[{"text":"No.","start":474.48,"end":474.88,"sentiment":"neutral","sentiment_score":-0.09479770064353944},{"text":"That's okay.","start":474.88,"end":475.62,"sentiment":"neutral","sentiment_score":-0.022682037204504013},{"text":"Now do you know someone that you could organize it through locally, or would you like us to send you some pricing of a firm that we work closely with up here if that would be helpful?","start":477.04,"end":489.855,"sentiment":"neutral","sentiment_score":0.075176766796692},{"text":"You got one local?","start":492.315,"end":493.375,"sentiment":"neutral","sentiment_score":0.0009475204860791564},{"text":"No.","start":494.715,"end":495.035,"sentiment":"neutral","sentiment_score":-0.022359071299433708}],"sentiment":"neutral","sentiment_score":0.05828465793488754,"num_words":45,"start":474.48,"end":495.035},{"sentences":[{"text":"That's okay.","start":495.035,"end":495.935,"sentiment":"neutral","sentiment_score":0.0682920552790165},{"text":"That is no problem.","start":496.795,"end":498.37,"sentiment":"neutral","sentiment_score":0.17008749395608902},{"text":"Any other changes?","start":498.91,"end":500.03,"sentiment":"neutral","sentiment_score":-0.009081248504420122},{"text":"Otherwise, we haven't gone through or kind of all the same.","start":500.03,"end":503.01,"sentiment":"neutral","sentiment_score":-0.06027455661784519},{"text":"No.","start":505.23,"end":505.71002,"sentiment":"neutral","sentiment_score":-0.07937508821487427}],"sentiment":"neutral","sentiment_score":0.0022521490408551124,"num_words":21,"start":495.035,"end":505.71002},{"sentences":[{"text":"Perfect.","start":505.71002,"end":506.21002,"sentiment":"neutral","sentiment_score":0.2099968194961548},{"text":"And when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, When we spoke last year, your your main focus was to do some house renovation, and that was kind of the main focus.","start":507.07,"end":522.425,"sentiment":"neutral","sentiment_score":0.07322098990512449},{"text":"Is that still something you are kind of working towards, or did you do some renovation?","start":522.96497,"end":527.385,"sentiment":"neutral","sentiment_score":0.02311048179399222},{"text":"Yep.","start":530.05,"end":530.52997,"sentiment":"neutral","sentiment_score":0.07174187898635864},{"text":"Perfect.","start":530.52997,"end":531.02997,"sentiment":"neutral","sentiment_score":0.3179510235786438}],"sentiment":"neutral","sentiment_score":0.06641870962395784,"num_words":62,"start":505.71002,"end":531.02997},{"sentences":[{"text":"Yep.","start":533.56995,"end":534.05,"sentiment":"neutral","sentiment_score":0.07223643362522125},{"text":"No.","start":534.05,"end":534.44995,"sentiment":"neutral","sentiment_score":0.05057752504944801},{"text":"That's good.","start":534.44995,"end":535.43,"sentiment":"neutral","sentiment_score":0.22303085029125214},{"text":"And, otherwise, I have here that, ideally, you would like to access super at the age of 65.","start":537.64996,"end":545.315,"sentiment":"neutral","sentiment_score":0.11321213179164463},{"text":"Is that still kind of the plan?","start":545.315,"end":547.495,"sentiment":"neutral","sentiment_score":0.06653259481702532}],"sentiment":"neutral","sentiment_score":0.10594559293882601,"num_words":29,"start":533.56995,"end":547.495},{"sentences":[{"text":"What do you think?","start":552.755,"end":553.77,"sentiment":"neutral","sentiment_score":0.01440814626403153},{"text":"Yes.","start":554.17004,"end":554.67004,"sentiment":"neutral","sentiment_score":0.027424916625022888},{"text":"Okay.","start":556.17004,"end":556.41003,"sentiment":"neutral","sentiment_score":0.11795201897621156},{"text":"Perfect.","start":556.41003,"end":556.89,"sentiment":"neutral","sentiment_score":0.216300830245018},{"text":"You don't think you'd wanna draw an income from super the four sixty five?","start":556.89,"end":560.59,"sentiment":"neutral","sentiment_score":0.0005582347512245178}],"sentiment":"neutral","sentiment_score":0.020339316067596275,"num_words":21,"start":552.755,"end":560.59},{"sentences":[{"text":"No.","start":561.77,"end":562.17004,"sentiment":"neutral","sentiment_score":-0.07351404428482056},{"text":"Okay.","start":562.17004,"end":562.67004,"sentiment":"neutral","sentiment_score":-0.021597910672426224},{"text":"And an ideal income per week, I have here of around $500.","start":562.97003,"end":567.95,"sentiment":"neutral","sentiment_score":0.034658279890815415},{"text":"Do you think that would still kind of be achievable with living expenses and everything, or do you think you would need to draw a little bit more?","start":568.305,"end":575.205,"sentiment":"neutral","sentiment_score":-0.010642778727092914},{"text":"Leave it at 5 100.","start":577.745,"end":579.125,"sentiment":"neutral","sentiment_score":-0.0072170492261648175}],"sentiment":"neutral","sentiment_score":-0.00028288610121037096,"num_words":47,"start":561.77,"end":579.125},{"sentences":[{"text":"Yep.","start":579.585,"end":579.985,"sentiment":"neutral","sentiment_score":0.12618011236190796},{"text":"Perfect.","start":579.985,"end":580.485,"sentiment":"positive","sentiment_score":0.3375248312950134},{"text":"Yeah.","start":583.0,"end":583.4,"sentiment":"neutral","sentiment_score":0.12652625143527985},{"text":"Especially with not having a mortgage as well.","start":583.4,"end":585.9,"sentiment":"neutral","sentiment_score":0.017254481790587306},{"text":"It puts you in a pretty good position, which is good.","start":586.60004,"end":590.14,"sentiment":"neutral","sentiment_score":-0.11510437489910559}],"sentiment":"neutral","sentiment_score":-0.02444913974878463,"num_words":22,"start":579.585,"end":590.14},{"sentences":[{"text":"Yeah.","start":591.32,"end":591.72003,"sentiment":"neutral","sentiment_score":0.07506459951400757},{"text":"No.","start":591.72003,"end":592.12,"sentiment":"neutral","sentiment_score":0.11582119762897491},{"text":"That's that's lovely.","start":592.12,"end":593.02,"sentiment":"positive","sentiment_score":0.41520776351292926},{"text":"And when it comes to beneficiaries, sorry, on your super, if something ever were to happen to you, I have a 100% going to your partner at the moment.","start":595.08,"end":604.375,"sentiment":"neutral","sentiment_score":0.10352537280012822},{"text":"That's still the case as well?","start":604.375,"end":605.995,"sentiment":"neutral","sentiment_score":0.08074721321463585}],"sentiment":"neutral","sentiment_score":0.12308070445433258,"num_words":40,"start":591.32,"end":605.995},{"sentences":[{"text":"Yep.","start":607.015,"end":607.495,"sentiment":"neutral","sentiment_score":0.11481153964996338},{"text":"Perfect.","start":607.495,"end":607.995,"sentiment":"neutral","sentiment_score":0.30452072620391846},{"text":"Now I won't go through that whole risk profile questionnaire with you again because we didn't do it too long ago.","start":609.87,"end":615.41,"sentiment":"neutral","sentiment_score":-0.03726271539926529},{"text":"But I do wanna just to confirm, has your risk tolerance or anything changed, or are you feeling quite similar through your your growth profile, how your money is invested otherwise, or have you had a bit of a change in how you feel about risk and fluctuations in the market?","start":616.27,"end":632.205,"sentiment":"neutral","sentiment_score":0.04145610989893184},{"text":"No.","start":635.72,"end":636.22,"sentiment":"negative","sentiment_score":-0.380420446395874}],"sentiment":"neutral","sentiment_score":0.018275418678919474,"num_words":75,"start":607.015,"end":636.22},{"sentences":[{"text":"Flucting along?","start":638.04,"end":639.01996,"sentiment":"neutral","sentiment_score":-0.1092306487262249},{"text":"Yeah.","start":639.95996,"end":640.45996,"sentiment":"neutral","sentiment_score":-0.1176363080739975},{"text":"No.","start":644.51996,"end":644.83997,"sentiment":"neutral","sentiment_score":-0.06548236310482025},{"text":"Okay.","start":644.83997,"end":645.32,"sentiment":"neutral","sentiment_score":0.13518249988555908},{"text":"Perfect.","start":645.32,"end":645.82,"sentiment":"positive","sentiment_score":0.44426751136779785}],"sentiment":"neutral","sentiment_score":0.029645007103681564,"num_words":6,"start":638.04,"end":645.82},{"sentences":[{"text":"And just as a little recap for you, we do have you invest in a growth portfolio, which is what we were looking at last time as well.","start":646.55505,"end":652.895,"sentiment":"neutral","sentiment_score":0.21968007885984012},{"text":"I'm just making a little bit of switches to some of your investments, swapping out some of those underperforming a little bit through a couple of other ones that will be a bit more better positioned moving forward with everything going on in the world and especially kind of what's happening since we spoke in October more so.","start":653.03503,"end":669.95,"sentiment":"neutral","sentiment_score":0.26687791005804623},{"text":"And when we are looking at an asset allocation, we typically see about 80% invested in your growth assets.","start":671.29004,"end":678.745,"sentiment":"neutral","sentiment_score":0.17169828556085887},{"text":"So that will be things like Australian shares, international shares, property, and commodities as well, and that is ultimately what is going to grow that super for you.","start":679.205,"end":688.06,"sentiment":"positive","sentiment_score":0.3506340666541031},{"text":"And then about 20 percent in defensive assets, like your cash, your gold, your fixed interest, you're gonna limit those fluctuations a little bit while still obviously trying to focus on growing it.","start":688.06,"end":700.24,"sentiment":"neutral","sentiment_score":0.17322586544535376}],"sentiment":"neutral","sentiment_score":0.24353274604283184,"num_words":166,"start":646.55505,"end":700.24},{"sentences":[{"text":"Does that all make sense, Wayne?","start":701.195,"end":702.655,"sentiment":"neutral","sentiment_score":0.10480089609821637},{"text":"Yep.","start":703.59503,"end":703.91504,"sentiment":"neutral","sentiment_score":-0.0713241919875145},{"text":"Perfect.","start":703.91504,"end":704.41504,"sentiment":"neutral","sentiment_score":0.05823690444231033},{"text":"Yes.","start":707.275,"end":707.775,"sentiment":"neutral","sentiment_score":0.12223072350025176},{"text":"Do you yes.","start":708.075,"end":711.055,"sentiment":"neutral","sentiment_score":0.19566489259401956}],"sentiment":"neutral","sentiment_score":0.11041195752720039,"num_words":12,"start":701.195,"end":711.055},{"sentences":[{"text":"Now do you because with gold, it's part of the, like, alternative assets, so we do have it in your portfolio.","start":711.515,"end":718.78,"sentiment":"neutral","sentiment_score":0.18989113860187076},{"text":"If it is something you want to increase, I can consider that as part of the reset.","start":719.72003,"end":724.38,"sentiment":"neutral","sentiment_score":0.16776172904407277},{"text":"The only thing would yep.","start":724.84,"end":730.39496,"sentiment":"neutral","sentiment_score":-0.03732786956243217},{"text":"Ex exactly.","start":733.33496,"end":734.45496,"sentiment":"neutral","sentiment_score":0.03830651007592678},{"text":"And then also if it exactly.","start":734.45496,"end":738.45496,"sentiment":"neutral","sentiment_score":0.004630279882500569}],"sentiment":"neutral","sentiment_score":0.13249840502006313,"num_words":51,"start":711.515,"end":738.45496},{"sentences":[{"text":"Exactly.","start":738.45496,"end":738.95496,"sentiment":"neutral","sentiment_score":0.07588119059801102},{"text":"And then if we put too much in it, you don't wanna be over in one area as well.","start":739.01495,"end":743.47003,"sentiment":"neutral","sentiment_score":0.04255613684654236},{"text":"And then also wanna make sure we have a good diversification.","start":743.77,"end":746.27,"sentiment":"neutral","sentiment_score":0.13651638139377942},{"text":"So I'll have a look at it.","start":746.65,"end":748.11005,"sentiment":"neutral","sentiment_score":0.16527353652885982},{"text":"And if it's still looking good, we'll kind of leave it as is in terms of how much you have.","start":748.17004,"end":753.045,"sentiment":"neutral","sentiment_score":0.14584153909236192}],"sentiment":"neutral","sentiment_score":0.11137712971660597,"num_words":58,"start":738.45496,"end":753.045},{"sentences":[{"text":"And just from a time frame point of view, growth portfolios would typically see about 60 at your retirement.","start":753.76495,"end":759.065,"sentiment":"neutral","sentiment_score":0.16932499291081177},{"text":"So you are still in a good position from a time frame in that high growth in the growth portfolio, sorry, by having that time frame to about 65 at least.","start":759.52496,"end":769.02,"sentiment":"neutral","sentiment_score":0.25469210671801723},{"text":"So happy with that.","start":770.46,"end":771.26,"sentiment":"positive","sentiment_score":0.49454255402088165},{"text":"We will leave you in your growth portfolio.","start":771.26,"end":773.44,"sentiment":"neutral","sentiment_score":0.27111979201436043},{"text":"Now, Wayne, do you have access to your emails at the moment?","start":774.78,"end":777.60004,"sentiment":"neutral","sentiment_score":0.080135320002834}],"sentiment":"neutral","sentiment_score":0.21920787251076182,"num_words":74,"start":753.76495,"end":777.60004},{"sentences":[{"text":"Yep.","start":778.86005,"end":779.34,"sentiment":"neutral","sentiment_score":0.2139739841222763},{"text":"Beautiful.","start":779.34,"end":779.84,"sentiment":"positive","sentiment_score":0.562483549118042},{"text":"So what I have done is I have just sent you an email with some documents just for the review today.","start":780.14,"end":786.195,"sentiment":"neutral","sentiment_score":0.24281186504023416},{"text":"And then like I said, I will go and do just that updated advice piece for you just to make sure the advice we did in October is still appropriate or if we need to make any further changes.","start":786.495,"end":797.555,"sentiment":"neutral","sentiment_score":0.12666962162042275},{"text":"And that will kind of go through your portfolio and everything in a little bit more detail again.","start":798.66,"end":803.24,"sentiment":"neutral","sentiment_score":0.10245925332936975}],"sentiment":"neutral","sentiment_score":0.15824860627762974,"num_words":80,"start":778.86005,"end":803.24},{"sentences":[{"text":"But, otherwise, did that email come through okay?","start":804.66,"end":807.24,"sentiment":"neutral","sentiment_score":0.0006549586541950703},{"text":"No.","start":811.315,"end":811.47504,"sentiment":"neutral","sentiment_score":-0.19843479990959167},{"text":"That's okay.","start":811.47504,"end":812.275,"sentiment":"neutral","sentiment_score":-0.15930325537919998},{"text":"It sometimes goes it sometimes goes to spam as well because we have this change to software.","start":812.275,"end":819.73505,"sentiment":"neutral","sentiment_score":-0.2352842215229483},{"text":"No.","start":824.52997,"end":824.76996,"sentiment":"neutral","sentiment_score":-0.12327368557453156}],"sentiment":"neutral","sentiment_score":-0.15982438251376152,"num_words":29,"start":804.66,"end":824.76996},{"sentences":[{"text":"That's okay.","start":824.76996,"end":825.67,"sentiment":"neutral","sentiment_score":-0.18635717779397967},{"text":"Yeah.","start":831.73,"end":832.05,"sentiment":"neutral","sentiment_score":-0.025007830932736397},{"text":"Maybe.","start":832.05,"end":832.55,"sentiment":"neutral","sentiment_score":-0.017847195267677307},{"text":"Are you happy for me to kind of go through a little bit of the documents while we wait for that to come through for you?","start":834.455,"end":839.035,"sentiment":"neutral","sentiment_score":0.15317140175746038},{"text":"Yep.","start":839.335,"end":839.835,"sentiment":"neutral","sentiment_score":0.10069560259580612}],"sentiment":"neutral","sentiment_score":0.1183091182742388,"num_words":31,"start":824.76996,"end":839.835},{"sentences":[{"text":"Perfect.","start":840.055,"end":840.555,"sentiment":"neutral","sentiment_score":0.16421109437942505},{"text":"I was trying to resend it as well because sometimes it is when the weather is a bit iffy, sometimes it does take a little bit longer.","start":840.695,"end":846.935,"sentiment":"neutral","sentiment_score":-0.08404235693591612},{"text":"So just let me know if it does come through.","start":846.935,"end":849.355,"sentiment":"neutral","sentiment_score":0.02347876913845539},{"text":"Otherwise, when it does come through for you, you will see a couple of attachments.","start":850.32,"end":854.89996,"sentiment":"neutral","sentiment_score":0.0466123649229606},{"text":"Now that is before you click on the link where it says sign now, you will see a couple of attachments added.","start":855.76,"end":861.14,"sentiment":"neutral","sentiment_score":0.04136850363151594}],"sentiment":"neutral","sentiment_score":-0.003478030636906624,"num_words":75,"start":840.055,"end":861.14},{"sentences":[{"text":"Now what you will see is an updated financial services guide.","start":861.615,"end":865.955,"sentiment":"neutral","sentiment_score":0.09738353233445775},{"text":"That is one of those compliance documents.","start":866.735,"end":868.995,"sentiment":"neutral","sentiment_score":0.14291167365653173},{"text":"We went through it last year, but it's just a bit of an updated version.","start":869.535,"end":872.815,"sentiment":"neutral","sentiment_score":0.11244923522075018},{"text":"So all the important information in regards to us is in there for you.","start":872.815,"end":876.915,"sentiment":"neutral","sentiment_score":0.2547936365008354},{"text":"This we've had a bit of an update to marketing and a bit of an extension to the team.","start":877.67,"end":882.00995,"sentiment":"neutral","sentiment_score":0.15547359185783485}],"sentiment":"neutral","sentiment_score":0.15574921599843286,"num_words":66,"start":861.615,"end":882.00995},{"sentences":[{"text":"So if you do wanna have a bit of a read through that at your own time, that's all in there.","start":882.14996,"end":886.81,"sentiment":"neutral","sentiment_score":0.10528998112394697},{"text":"Now you also have their Vanguard index chart.","start":887.50995,"end":890.31,"sentiment":"neutral","sentiment_score":0.09143167641013861},{"text":"Again, just an updated version because they do release one every year.","start":890.31,"end":894.585,"sentiment":"neutral","sentiment_score":0.12311180680990219},{"text":"So this one here is now updated from 1995 through 2025.","start":894.585,"end":901.245,"sentiment":"neutral","sentiment_score":0.11960927261547609},{"text":"Again, just kind of showing you the the the market trends and what happened what has happened in the world since then.","start":901.705,"end":907.72504,"sentiment":"neutral","sentiment_score":0.1113220602273941}],"sentiment":"neutral","sentiment_score":0.11060367595102336,"num_words":74,"start":882.14996,"end":907.72504},{"sentences":[{"text":"But, basically, when you do have a look at it, you will see that the market in the long term always goes up, like you said, as well.","start":908.0,"end":914.01996,"sentiment":"neutral","sentiment_score":0.06806900671550206},{"text":"The short term, there will be some ups and downs in market fluctuations.","start":914.07996,"end":917.22,"sentiment":"neutral","sentiment_score":-0.04057883098721504},{"text":"Now you will also have a super summary, and that shows you your current balance in net wealth.","start":920.07996,"end":926.925,"sentiment":"neutral","sentiment_score":0.1628245814806885},{"text":"So you do have your super in net wealth, and you do have about 209,833 in there.","start":927.065,"end":935.245,"sentiment":"neutral","sentiment_score":0.23829828728647792},{"text":"And we don't have any insurances for you.","start":935.49,"end":938.45,"sentiment":"neutral","sentiment_score":-0.06974196597002447}],"sentiment":"neutral","sentiment_score":0.09288553580907839,"num_words":84,"start":908.0,"end":938.45},{"sentences":[{"text":"Now are you still happy to not have a comfortable without any insurances as well?","start":938.45,"end":943.75,"sentiment":"neutral","sentiment_score":0.046188682814439136},{"text":"Yep.","start":944.85,"end":945.33,"sentiment":"positive","sentiment_score":0.39040252566337585},{"text":"Beautiful.","start":945.33,"end":945.83,"sentiment":"positive","sentiment_score":0.6875802874565125},{"text":"Now you will also have a asset performance report just showing you your investments again.","start":946.37,"end":953.485,"sentiment":"positive","sentiment_score":0.4059286485115687},{"text":"But like I said, I'll do some more research on the investment again and redo that advice for you to see if we can swap out some of those investments for you, making sure that we do have you in the best position for your retirement.","start":954.025,"end":966.63,"sentiment":"neutral","sentiment_score":0.312221338081619}],"sentiment":"neutral","sentiment_score":0.28489646583031386,"num_words":78,"start":938.45,"end":966.63},{"sentences":[{"text":"And then the last thing is if you're happy to do so, it will then just be to sign two documents.","start":968.93,"end":975.43,"sentiment":"neutral","sentiment_score":0.10649460891172999},{"text":"Now has that come through for you yet at all there, Wayne?","start":976.85,"end":979.82996,"sentiment":"neutral","sentiment_score":0.06423607561737299},{"text":"Okay.","start":983.66504,"end":984.16504,"sentiment":"neutral","sentiment_score":-0.08284222334623337},{"text":"Okay.","start":985.905,"end":986.385,"sentiment":"neutral","sentiment_score":0.1609574556350708},{"text":"Perfect.","start":986.385,"end":986.885,"sentiment":"positive","sentiment_score":0.4470219016075134}],"sentiment":"neutral","sentiment_score":0.09812102301253213,"num_words":36,"start":968.93,"end":986.885},{"sentences":[{"text":"Let me just see here because, yeah, it says it's been sent on my end.","start":987.34503,"end":991.505,"sentiment":"neutral","sentiment_score":0.13873061935106915},{"text":"So it might just take a a couple of minutes or so.","start":991.505,"end":995.88,"sentiment":"neutral","sentiment_score":0.0698755510772268},{"text":"So just keep a lookout.","start":995.88,"end":997.01996,"sentiment":"neutral","sentiment_score":-0.02956416867673397},{"text":"It does.","start":1000.12,"end":1000.86,"sentiment":"neutral","sentiment_score":-0.025869136676192284},{"text":"When it does come through, and if you're happy to do so when you have a moment, I will just need you to sign two documents.","start":1001.8,"end":1008.7,"sentiment":"neutral","sentiment_score":0.15578201269874206}],"sentiment":"neutral","sentiment_score":0.11283731861039996,"num_words":60,"start":987.34503,"end":1008.7},{"sentences":[{"text":"One will be just a tax file number form.","start":1010.115,"end":1013.15497,"sentiment":"neutral","sentiment_score":0.18153534498479632},{"text":"It's just a compliance form to say we are keeping your tax file number secure and safe on file.","start":1013.15497,"end":1018.375,"sentiment":"neutral","sentiment_score":0.31502355007748856},{"text":"And the other one, it is just your ongoing service agreement.","start":1018.995,"end":1022.855,"sentiment":"neutral","sentiment_score":0.25224596532908355},{"text":"And that is just to say that you are happy to stay on as the client.","start":1023.81,"end":1027.8301,"sentiment":"positive","sentiment_score":0.5436353180557489},{"text":"There is no changes whatsoever in regards to the fee structure there for you, Wayne.","start":1028.21,"end":1032.9501,"sentiment":"neutral","sentiment_score":0.07883508851130804}],"sentiment":"neutral","sentiment_score":0.289638037021671,"num_words":70,"start":1010.115,"end":1032.9501},{"sentences":[{"text":"It stays exactly the same at 1.65 from superannuation.","start":1033.17,"end":1037.645,"sentiment":"neutral","sentiment_score":0.19368639257219103},{"text":"No changes in regards to that, and it is not a locking contract.","start":1038.745,"end":1042.4451,"sentiment":"neutral","sentiment_score":-0.020075122037759192},{"text":"So if at any point in time, if you are not happy, it is not a locking contract, but that just lets us service your account and manage everything for you in the meantime.","start":1042.505,"end":1050.765,"sentiment":"neutral","sentiment_score":0.0775314199135584},{"text":"Does that all make sense?","start":1051.0651,"end":1052.4451,"sentiment":"neutral","sentiment_score":0.13727901726961136},{"text":"Yep.","start":1054.08,"end":1054.4,"sentiment":"neutral","sentiment_score":0.2528960704803467}],"sentiment":"neutral","sentiment_score":0.08157355452497159,"num_words":62,"start":1033.17,"end":1054.4},{"sentences":[{"text":"Perfect.","start":1054.4,"end":1054.9,"sentiment":"positive","sentiment_score":0.5100693702697754},{"text":"Do you have any questions for me in regards to anything we went over today or pretty straightforward?","start":1055.12,"end":1060.42,"sentiment":"neutral","sentiment_score":0.28393440114127266},{"text":"Oh, pretty straightforward?","start":1064.3201,"end":1065.22,"sentiment":"neutral","sentiment_score":0.30186285575230914},{"text":"Okay.","start":1065.36,"end":1065.76,"sentiment":"neutral","sentiment_score":0.3240269422531128},{"text":"Perfect.","start":1065.76,"end":1066.26,"sentiment":"positive","sentiment_score":0.5205179452896118}],"sentiment":"neutral","sentiment_score":0.30712591856718063,"num_words":24,"start":1054.4,"end":1066.26},{"sentences":[{"text":"So like I said, what I will do is I will go and update that advice piece for you that we kind of went through at the end of last year just to make sure it's all up to date if we need to make any other changes to the investment.","start":1066.5851,"end":1079.405,"sentiment":"neutral","sentiment_score":0.27310128539216283},{"text":"And then I'll go through them with you again just to make sure you are happy with it, and then we can go ahead and make those investment changes for you.","start":1080.09,"end":1088.51,"sentiment":"positive","sentiment_score":0.38736200542940247},{"text":"We do wanna see if we can swap you out of of a a couple that was underperforming and making sure that we have you in the best option.","start":1088.57,"end":1095.5499,"sentiment":"neutral","sentiment_score":-0.00440993262776013},{"text":"So when is a good time for you, for me to give you a call and go through that research again with you?","start":1096.105,"end":1103.325,"sentiment":"neutral","sentiment_score":0.31230794282063196},{"text":"Morning.","start":1109.24,"end":1109.64,"sentiment":"neutral","sentiment_score":0.04460158944129944}],"sentiment":"neutral","sentiment_score":0.24471247371424126,"num_words":135,"start":1066.5851,"end":1109.64},{"sentences":[{"text":"But around this time?","start":1109.64,"end":1111.1,"sentiment":"neutral","sentiment_score":0.03467338113114238},{"text":"Yep.","start":1112.36,"end":1112.6799,"sentiment":"neutral","sentiment_score":0.12974420189857483},{"text":"Okay.","start":1112.6799,"end":1113.0,"sentiment":"neutral","sentiment_score":0.16444814205169678},{"text":"Let me have a look.","start":1113.0,"end":1114.2999,"sentiment":"neutral","sentiment_score":0.17201243937015534},{"text":"Now I could do I could do this time again on Wednesday, June 10, so in two weeks.","start":1116.28,"end":1131.6749,"sentiment":"neutral","sentiment_score":0.17707404494285583}],"sentiment":"neutral","sentiment_score":0.15449244394127665,"num_words":29,"start":1109.64,"end":1131.6749},{"sentences":[{"text":"Would that work for you?","start":1131.895,"end":1133.275,"sentiment":"neutral","sentiment_score":0.19610821902751924},{"text":"Yes.","start":1134.4199,"end":1134.9199,"sentiment":"neutral","sentiment_score":0.24751780927181244},{"text":"Alright.","start":1135.14,"end":1135.62,"sentiment":"positive","sentiment_score":0.5170316100120544},{"text":"Perfect.","start":1135.62,"end":1136.12,"sentiment":"positive","sentiment_score":0.6760847568511963},{"text":"Now I will book that in on Wednesday, the tenth, same time as now for you.","start":1137.22,"end":1143.88,"sentiment":"positive","sentiment_score":0.4091402590274811}],"sentiment":"positive","sentiment_score":0.3736424756546815,"num_words":24,"start":1131.895,"end":1143.88},{"sentences":[{"text":"I'll give you a call and go through that research, talk a little bit more about your investment portfolio and potential changes with you.","start":1144.26,"end":1151.5549,"sentiment":"positive","sentiment_score":0.4208344481885433},{"text":"It shouldn't take too long because we've kind of touched on that before.","start":1151.855,"end":1154.995,"sentiment":"neutral","sentiment_score":0.206616522027896},{"text":"And then I will make sure with IT that we get it back this time, and we can get it sorted so we don't have the same issue for you.","start":1155.775,"end":1162.95,"sentiment":"neutral","sentiment_score":0.25702336182196933},{"text":"Do you have any questions or anything else from me otherwise before I let you go and enjoy the rest of your morning?","start":1164.3899,"end":1170.49,"sentiment":"neutral","sentiment_score":0.2964944852435071},{"text":"No.","start":1182.005,"end":1182.505,"sentiment":"neutral","sentiment_score":-0.1870238184928894}],"sentiment":"neutral","sentiment_score":0.298121887248951,"num_words":91,"start":1144.26,"end":1182.505},{"sentences":[{"text":"The I don't know if there that you can, like I think sometimes you can forward.","start":1183.445,"end":1188.41,"sentiment":"neutral","sentiment_score":-0.18338812980800867},{"text":"Like, you can set up another email, and you can do, like, a a forward request.","start":1188.55,"end":1193.03,"sentiment":"neutral","sentiment_score":-0.0627943032886833},{"text":"So everything that goes into your old email is automatically forward onto a new one.","start":1193.03,"end":1197.93,"sentiment":"neutral","sentiment_score":-0.19538666556278864},{"text":"How you do that, I have no idea.","start":1198.31,"end":1201.05,"sentiment":"neutral","sentiment_score":-0.26078495010733604},{"text":"I'm not super tech savvy either, but I think you can potentially do that.","start":1201.27,"end":1207.005,"sentiment":"neutral","sentiment_score":-0.18975363565342768}],"sentiment":"neutral","sentiment_score":-0.16829781757964604,"num_words":69,"start":1183.445,"end":1207.005},{"sentences":[{"text":"Are you looking at changing your email?","start":1207.005,"end":1209.105,"sentiment":"neutral","sentiment_score":-0.09139675114836011},{"text":"Oh, yeah.","start":1237.755,"end":1238.4751,"sentiment":"neutral","sentiment_score":-0.21211014688014984},{"text":"That's not good.","start":1238.4751,"end":1239.4551,"sentiment":"negative","sentiment_score":-0.43260639905929565},{"text":"Yeah.","start":1246.6499,"end":1247.0499,"sentiment":"neutral","sentiment_score":-0.12925200164318085},{"text":"Yeah.","start":1247.0499,"end":1247.37,"sentiment":"neutral","sentiment_score":-0.16474953293800354}],"sentiment":"neutral","sentiment_score":-0.18970130596842086,"num_words":14,"start":1207.005,"end":1247.37},{"sentences":[{"text":"It is painful unless you set up, like, a new one and then, like, gradually go through and change them.","start":1247.37,"end":1255.6299,"sentiment":"neutral","sentiment_score":-0.22554968632757663},{"text":"Yeah.","start":1258.035,"end":1258.435,"sentiment":"neutral","sentiment_score":0.02964279428124428},{"text":"Which is slightly painful.","start":1258.515,"end":1260.135,"sentiment":"neutral","sentiment_score":-0.04996391199529171},{"text":"But then maybe by the time you have done it, it will obviously make your life easier moving forward.","start":1260.435,"end":1266.675,"sentiment":"positive","sentiment_score":0.35067134781887654},{"text":"It's just a bit of a bit of a painful thing in the interim.","start":1266.675,"end":1271.07,"sentiment":"neutral","sentiment_score":-0.264832646719047}],"sentiment":"neutral","sentiment_score":-0.029760483202749287,"num_words":58,"start":1247.37,"end":1271.07},{"sentences":[{"text":"If you do go ahead and change it, just let us know.","start":1271.37,"end":1275.45,"sentiment":"neutral","sentiment_score":0.05687917582690716},{"text":"We can always get everything updated for you.","start":1275.45,"end":1278.11,"sentiment":"neutral","sentiment_score":0.20061675645411015},{"text":"But I will leave it for now, obviously, until the tenth.","start":1279.2899,"end":1282.35,"sentiment":"neutral","sentiment_score":0.06864644620906223},{"text":"And then if you do, like I said, yeah, add new email and you want us to update the record or anything with that as well, we can always do that for you.","start":1282.815,"end":1292.2749,"sentiment":"neutral","sentiment_score":0.12555091816819075},{"text":"Yep.","start":1293.7749,"end":1294.2749,"sentiment":"neutral","sentiment_score":0.231944739818573}],"sentiment":"neutral","sentiment_score":0.11411877091114338,"num_words":65,"start":1271.37,"end":1294.2749},{"sentences":[{"text":"No problem at all.","start":1295.0549,"end":1296.355,"sentiment":"neutral","sentiment_score":0.3015647381544113},{"text":"Yeah.","start":1297.18,"end":1297.5801,"sentiment":"neutral","sentiment_score":0.06588318943977356},{"text":"No.","start":1297.5801,"end":1298.0801,"sentiment":"neutral","sentiment_score":0.0151594253256917},{"text":"I I will Yeah.","start":1298.2201,"end":1300.8,"sentiment":"neutral","sentiment_score":0.01887782197445631},{"text":"But, yeah, maybe have a look too because I think, yeah, there might be a way that you can forward on.","start":1303.5,"end":1307.5801,"sentiment":"neutral","sentiment_score":0.07719902676485833}],"sentiment":"neutral","sentiment_score":0.09625781991428906,"num_words":31,"start":1295.0549,"end":1307.5801},{"sentences":[{"text":"So similar to what you can do, like, you know, if you move the address, that you can have, like, a a forward of a post.","start":1307.5801,"end":1313.965,"sentiment":"neutral","sentiment_score":0.01754382711190444},{"text":"I have read somewhere you could pretend to do that with an email address.","start":1314.745,"end":1318.365,"sentiment":"neutral","sentiment_score":-0.04623018431344202},{"text":"But but, yes, I'm not exactly sure how to do how to do that.","start":1318.425,"end":1322.925,"sentiment":"neutral","sentiment_score":-0.20668941736221313},{"text":"So, yes, hopefully, you find something.","start":1324.585,"end":1329.7799,"sentiment":"neutral","sentiment_score":0.14107410609722137},{"text":"If you do, let me know.","start":1329.7799,"end":1331.0,"sentiment":"neutral","sentiment_score":0.13552300135294595}],"sentiment":"neutral","sentiment_score":-0.021593216270434135,"num_words":66,"start":1307.5801,"end":1331.0},{"sentences":[{"text":"I will let you go, Wayne.","start":1332.74,"end":1333.94,"sentiment":"neutral","sentiment_score":0.08754491697375973},{"text":"Thank you so much for your time this morning, and I will give you a call on Wednesday, the tenth, to go through your e investments and potential changes with you.","start":1333.94,"end":1342.035,"sentiment":"positive","sentiment_score":0.6065284792454012},{"text":"Yep.","start":1342.895,"end":1343.395,"sentiment":"positive","sentiment_score":0.5187385082244873},{"text":"No problem at all.","start":1343.535,"end":1344.335,"sentiment":"positive","sentiment_score":0.49059680104255676},{"text":"Well, thank you so much, and I look forward to speaking with you in a fortnight.","start":1344.335,"end":1347.155,"sentiment":"positive","sentiment_score":0.7461024783551693}],"sentiment":"positive","sentiment_score":0.581834788353921,"num_words":58,"start":1332.74,"end":1347.155},{"sentences":[{"text":"Talk 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Yes. Speaking. Good. Thank you. Yeah. Mine as well. Yep. Mhmm. Yep. Bonnie. Very damn thin. He is saying that much at me. No. Nothing in particular. Yeah. Yep. No. I don't know what happened there because I signed them and sent them the DocuSign runs and sent them back, so they must've got didn't work somewhere in the system. You know, I remember the follow-up. I didn't worry about it because I knew I'd already done it the first time, but, yeah, it must have not worked somewhere. Mhmm. Mhmm. Yep. Yep. No. That's that's all we're saying. Yep. Yep. Yep. Still the same. Yep. No. Finished airshow. That main job is sorta not happening at the moment. Still still got the the part time on the off fighting, but Mhmm. It's it's sort of possible. Yeah. It's sort of just waiting to see what's going on with another mining company at the moment. Yeah. Probably would be. I mean, it varies year to year, of course, season to season, but that'll be around figure of average. Yep. Yeah. Just standard. Yep. No. That that thing is that was only with Stella, so that's finished there for the moment. Oh, yeah. That'll that'll just depend here how much work comes in and how it goes. Yeah. Yeah. There's nothing nothing going aside of spend spending it at the moment. Oh, look. It's probably going up a bit, but wouldn't have changed that much from last year? Yep. No. Let's fluctuate a fair bit, but yeah. We can do roundabout that. Yep. Yeah. Still we're floating around that. Yep. No. No. Mhmm. Nope. Nope. Well, I still wanted to do this here. Yeah. We've got one likely. We're just wanna get around to two on it. No. Not really. Yep. Yep. We're working on them at the moment while there's nothing else happening. Yeah. I plan to plan to do that, and then if it's later, it's a bunch. No. No. At the same cost. Yeah. We're still still running fairly efficiently. No mortgage. No. No mortgage and no power bills. Yep. Not really. I don't think everything should've still kicking on the same. I mean, market's gonna fluctuate a bit with things going on, but other than that long term look, I don't think it's much different. Mhmm. Yep. Yep. I wouldn't mind having a lot more sitting in gold at the moment. Well, done done fairly well in the last couple of years, you know. Uh-huh. I I I think I think at the moment, it's just leave it as it is. So I think gold's done pretty well recently, but I think it's leveling at the moment. And it's just gotta reach a point at some point where it can't keep going. Yeah. Yeah. Yeah. Yeah. Mhmm. Yep. So I even slow on my email. Just just hasn't come through yet. But yeah. It usually comes through. This just always seems to be a few minutes delay on my system, because I don't know why. Probably just because it's a nonstandard email system. Yeah. Yeah. Might as well. Mhmm. Yep. Still not yet, but that's not unusual with this old hand hand crank system. Yeah. With the with with all this crap weather, the courier system run a bit slow. Yeah. No. It all all makes good sense. Any any any day at the moment, but sort of morning's better. Yep. Yep. Yes. Yep. Not unless you know there's a way to change your email without losing everything for the next twelve months. Yeah. Well, my system was many years ago. I used to be an Internet reseller here in Tassie, and I set up an Internet email based on that. The tub was that company's been unsold and unsold and went through eventually to iNet, and then iNet decided to unsell all their weird emails that addresses out to the messaging company. And it's just each time it goes to a new company, it gets slower and less reliable, but the price goes up. And it's sorta it's like they know they've got you trapped in the system because it's hard to change a main email address. That's it. Just slowly slowly transfer everything over. Yeah. Yeah. Yep. Anyway, yep. No. That's all good. I'll be assisting for now. Okay. Yeah. Just one of those things I left to just you bought the bullet at some stage soon and start changing. It's a it's a miserable wet day. It might be a good day for research. Beautiful. Sounds good. Okay. Okay. Thank you. Talk to you then. 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Yes. Speaking. Good. Thank you.\n\nYeah. Mine as well. Yep. Mhmm. Yep.\n\nBonnie. Very damn thin. He is saying that much at me. No. Nothing in particular.\n\nYeah. Yep. No. I don't know what happened there because I signed them and sent them the DocuSign runs and sent them back, so they must've got didn't work somewhere in the system. You know, I remember the follow-up.\n\nI didn't worry about it because I knew I'd already done it the first time, but, yeah, it must have not worked somewhere. Mhmm. Mhmm. Yep. Yep.\n\nNo. That's that's all we're saying. Yep. Yep. Yep.\n\nStill the same. Yep. No. Finished airshow. That main job is sorta not happening at the moment.\n\nStill still got the the part time on the off fighting, but Mhmm. It's it's sort of possible. Yeah. It's sort of just waiting to see what's going on with another mining company at the moment. Yeah.\n\nProbably would be. I mean, it varies year to year, of course, season to season, but that'll be around figure of average. Yep. Yeah. Just standard.\n\nYep. No. That that thing is that was only with Stella, so that's finished there for the moment. Oh, yeah. That'll that'll just depend here how much work comes in and how it goes.\n\nYeah. Yeah. There's nothing nothing going aside of spend spending it at the moment. Oh, look. It's probably going up a bit, but wouldn't have changed that much from last year?\n\nYep. No. Let's fluctuate a fair bit, but yeah. We can do roundabout that. Yep.\n\nYeah. Still we're floating around that. Yep. No. No.\n\nMhmm. Nope. Nope. Well, I still wanted to do this here. Yeah.\n\nWe've got one likely. We're just wanna get around to two on it. No. Not really. Yep.\n\nYep. We're working on them at the moment while there's nothing else happening. Yeah. I plan to plan to do that, and then if it's later, it's a bunch. No.\n\nNo. At the same cost. Yeah. We're still still running fairly efficiently. No mortgage.\n\nNo. No mortgage and no power bills. Yep. Not really. I don't think everything should've still kicking on the same.\n\nI mean, market's gonna fluctuate a bit with things going on, but other than that long term look, I don't think it's much different. Mhmm. Yep. Yep. I wouldn't mind having a lot more sitting in gold at the moment.\n\nWell, done done fairly well in the last couple of years, you know. Uh-huh. I I I think I think at the moment, it's just leave it as it is. So I think gold's done pretty well recently, but I think it's leveling at the moment. And it's just gotta reach a point at some point where it can't keep going.\n\nYeah. Yeah. Yeah. Yeah. Mhmm.\n\nYep. So I even slow on my email. Just just hasn't come through yet. But yeah. It usually comes through.\n\nThis just always seems to be a few minutes delay on my system, because I don't know why. Probably just because it's a nonstandard email system. Yeah. Yeah. Might as well.\n\nMhmm. Yep. Still not yet, but that's not unusual with this old hand hand crank system. Yeah. With the with with all this crap weather, the courier system run a bit slow.\n\nYeah. No. It all all makes good sense. Any any any day at the moment, but sort of morning's better. Yep.\n\nYep. Yes. Yep. Not unless you know there's a way to change your email without losing everything for the next twelve months. Yeah.\n\nWell, my system was many years ago. I used to be an Internet reseller here in Tassie, and I set up an Internet email based on that. The tub was that company's been unsold and unsold and went through eventually to iNet, and then iNet decided to unsell all their weird emails that addresses out to the messaging company. And it's just each time it goes to a new company, it gets slower and less reliable, but the price goes up. And it's sorta it's like they know they've got you trapped in the system because it's hard to change a main email address.\n\nThat's it. Just slowly slowly transfer everything over. Yeah. Yeah. Yep.\n\nAnyway, yep. No. That's all good. I'll be assisting for now. Okay.\n\nYeah. Just one of those things I left to just you bought the bullet at some stage soon and start changing. It's a it's a miserable wet day. It might be a good day for research. Beautiful.\n\nSounds good. Okay. Okay. Thank you. 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airshow.","start":265.045,"end":266.105,"sentiment":"neutral","sentiment_score":-0.09137400984764099},{"text":"That main job is sorta not happening at the moment.","start":266.325,"end":269.465,"sentiment":"neutral","sentiment_score":-0.13325525149703027}],"sentiment":"neutral","sentiment_score":-0.08557713163249633,"num_words":17,"start":248.04,"end":269.465},{"sentences":[{"text":"Still still got the the part time on the off fighting, but Mhmm.","start":270.165,"end":289.28,"sentiment":"neutral","sentiment_score":-0.02051920386461111},{"text":"It's it's sort of possible.","start":289.98,"end":291.26,"sentiment":"neutral","sentiment_score":0.038047286495566365},{"text":"Yeah.","start":291.26,"end":291.5,"sentiment":"neutral","sentiment_score":-0.0074164411053061485},{"text":"It's sort of just waiting to see what's going on with another mining company at the moment.","start":291.5,"end":295.715,"sentiment":"neutral","sentiment_score":-0.04804263537859216},{"text":"Yeah.","start":311.06998,"end":311.56998,"sentiment":"neutral","sentiment_score":0.0010786885395646095}],"sentiment":"neutral","sentiment_score":-0.024312858696322184,"num_words":37,"start":270.165,"end":311.56998},{"sentences":[{"text":"Probably would be.","start":311.62997,"end":312.50998,"sentiment":"neutral","sentiment_score":-0.00917845033109188},{"text":"I mean, it varies year to year, of course, season to season, but that'll be around figure of average.","start":312.50998,"end":320.545,"sentiment":"neutral","sentiment_score":-0.012232574879338867},{"text":"Yep.","start":326.445,"end":326.945,"sentiment":"neutral","sentiment_score":0.08402498066425323},{"text":"Yeah.","start":330.605,"end":330.92502,"sentiment":"neutral","sentiment_score":0.013623940758407116},{"text":"Just 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goes.","start":355.195,"end":359.82,"sentiment":"neutral","sentiment_score":-0.0121695145166346}],"sentiment":"neutral","sentiment_score":-0.04013885560390704,"num_words":34,"start":331.64502,"end":359.82},{"sentences":[{"text":"Yeah.","start":375.13498,"end":375.455,"sentiment":"neutral","sentiment_score":0.022120345383882523},{"text":"Yeah.","start":375.455,"end":375.69498,"sentiment":"neutral","sentiment_score":0.004309412091970444},{"text":"There's nothing nothing going aside of spend spending it at the moment.","start":375.69498,"end":379.315,"sentiment":"neutral","sentiment_score":-0.04497756762430072},{"text":"Oh, look.","start":386.37,"end":400.53,"sentiment":"neutral","sentiment_score":-0.02997694257646799},{"text":"It's probably going up a bit, but wouldn't have changed that much from last 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here.","start":470.84,"end":474.38,"sentiment":"neutral","sentiment_score":-0.022637205198407173},{"text":"Yeah.","start":490.77502,"end":490.855,"sentiment":"neutral","sentiment_score":0.022618014365434647}],"sentiment":"neutral","sentiment_score":-0.022957365261390805,"num_words":12,"start":449.58,"end":490.855},{"sentences":[{"text":"We've got one likely.","start":490.855,"end":491.975,"sentiment":"neutral","sentiment_score":0.012928733369335532},{"text":"We're just wanna get around to two on it.","start":491.975,"end":499.21997,"sentiment":"neutral","sentiment_score":0.0056354087880916065},{"text":"No.","start":503.71997,"end":504.12,"sentiment":"neutral","sentiment_score":-0.15365800261497498},{"text":"Not really.","start":504.12,"end":504.86,"sentiment":"neutral","sentiment_score":-0.15944016724824905},{"text":"Yep.","start":526.6,"end":527.0,"sentiment":"neutral","sentiment_score":0.019454382359981537}],"sentiment":"neutral","sentiment_score":-0.020626490716548526,"num_words":17,"start":490.855,"end":527.0},{"sentences":[{"text":"Yep.","start":527.0,"end":527.5,"sentiment":"neutral","sentiment_score":0.03743017464876175},{"text":"We're working on them at the moment while there's nothing else happening.","start":527.88,"end":532.62,"sentiment":"neutral","sentiment_score":0.06792458798736334},{"text":"Yeah.","start":551.12006,"end":551.62006,"sentiment":"neutral","sentiment_score":0.030911298468708992},{"text":"I plan to plan to do that, and then if it's later, it's a 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mortgage.","start":586.87,"end":587.67,"sentiment":"neutral","sentiment_score":-0.10744500160217284}],"sentiment":"neutral","sentiment_score":0.1903190636076033,"num_words":14,"start":576.52496,"end":587.67},{"sentences":[{"text":"No.","start":587.67,"end":588.17,"sentiment":"neutral","sentiment_score":-0.22553306818008423},{"text":"No mortgage and no power bills.","start":589.11,"end":590.73,"sentiment":"neutral","sentiment_score":-0.10921286294857661},{"text":"Yep.","start":605.985,"end":606.48,"sentiment":"neutral","sentiment_score":0.06975335627794266},{"text":"Not really.","start":634.19,"end":634.83,"sentiment":"neutral","sentiment_score":-0.1998947188258171},{"text":"I don't think everything should've still kicking on the same.","start":634.83,"end":637.87,"sentiment":"neutral","sentiment_score":-0.29103499501943586}],"sentiment":"neutral","sentiment_score":-0.20605981387197972,"num_words":20,"start":587.67,"end":637.87},{"sentences":[{"text":"I mean, market's gonna fluctuate a bit with things going on, but other than that long term look, I don't think it's much different.","start":637.87,"end":644.05,"sentiment":"neutral","sentiment_score":-0.15184782600651184},{"text":"Mhmm.","start":688.79004,"end":689.29004,"sentiment":"neutral","sentiment_score":0.09975845366716383},{"text":"Yep.","start":702.675,"end":703.15497,"sentiment":"neutral","sentiment_score":0.04854288697242737},{"text":"Yep.","start":703.15497,"end":703.475,"sentiment":"neutral","sentiment_score":0.03105384111404419},{"text":"I wouldn't mind having a lot more sitting in gold at the moment.","start":703.475,"end":706.055,"sentiment":"neutral","sentiment_score":-0.034325712002240695}],"sentiment":"neutral","sentiment_score":-0.09778067246079444,"num_words":40,"start":637.87,"end":706.055},{"sentences":[{"text":"Well, done done fairly well in the last couple of years, you 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on my email.","start":794.44,"end":810.875,"sentiment":"neutral","sentiment_score":-0.24282555282115936},{"text":"Just just hasn't come through yet.","start":811.815,"end":813.495,"sentiment":"neutral","sentiment_score":-0.18232980370521545},{"text":"But yeah.","start":813.495,"end":820.375,"sentiment":"neutral","sentiment_score":-0.134834922850132},{"text":"It usually comes through.","start":820.375,"end":821.575,"sentiment":"neutral","sentiment_score":-0.0875246599316597}],"sentiment":"neutral","sentiment_score":-0.16541314199566842,"num_words":20,"start":778.0,"end":821.575},{"sentences":[{"text":"This just always seems to be a few minutes delay on my system, because I don't know why.","start":821.575,"end":826.30005,"sentiment":"neutral","sentiment_score":-0.14661313138074344},{"text":"Probably just because it's a nonstandard email system.","start":826.30005,"end":831.04004,"sentiment":"neutral","sentiment_score":-0.2678602170199156},{"text":"Yeah.","start":838.39496,"end":838.555,"sentiment":"neutral","sentiment_score":0.054733000695705414},{"text":"Yeah.","start":838.555,"end":838.95496,"sentiment":"neutral","sentiment_score":0.07709919661283493},{"text":"Might as well.","start":838.95496,"end":839.935,"sentiment":"neutral","sentiment_score":0.1179622933268547}],"sentiment":"neutral","sentiment_score":-0.13858706528140652,"num_words":31,"start":821.575,"end":839.935},{"sentences":[{"text":"Mhmm.","start":887.23004,"end":887.475,"sentiment":"neutral","sentiment_score":0.043707769364118576},{"text":"Yep.","start":943.97,"end":944.47,"sentiment":"neutral","sentiment_score":0.22376933693885803},{"text":"Still not yet, but that's not unusual with this old hand hand crank system.","start":980.075,"end":985.295,"sentiment":"neutral","sentiment_score":-0.1942429625030075},{"text":"Yeah.","start":995.51,"end":995.83,"sentiment":"neutral","sentiment_score":0.024541884660720825},{"text":"With the with with all this crap weather, the courier system run a bit slow.","start":995.83,"end":999.45,"sentiment":"neutral","sentiment_score":-0.3111479952931404}],"sentiment":"neutral","sentiment_score":-0.2217063254211098,"num_words":32,"start":887.23004,"end":999.45},{"sentences":[{"text":"Yeah.","start":1053.2101,"end":1053.7101,"sentiment":"neutral","sentiment_score":0.17074313759803772},{"text":"No.","start":1062.9249,"end":1063.085,"sentiment":"neutral","sentiment_score":0.02069748193025589},{"text":"It all all makes good sense.","start":1063.085,"end":1064.625,"sentiment":"neutral","sentiment_score":0.14697360868255296},{"text":"Any any any day at the moment, but sort of morning's better.","start":1105.1951,"end":1108.8151,"sentiment":"neutral","sentiment_score":0.04699042718857527},{"text":"Yep.","start":1111.275,"end":1111.755,"sentiment":"neutral","sentiment_score":0.08124952763319016}],"sentiment":"neutral","sentiment_score":0.08182937740570023,"num_words":21,"start":1053.2101,"end":1111.755},{"sentences":[{"text":"Yep.","start":1111.755,"end":1112.255,"sentiment":"neutral","sentiment_score":0.10072331130504608},{"text":"Yes.","start":1133.465,"end":1133.865,"sentiment":"neutral","sentiment_score":0.15869566798210144},{"text":"Yep.","start":1133.865,"end":1134.365,"sentiment":"neutral","sentiment_score":0.17584216594696045},{"text":"Not unless you know there's a way to change your email without losing everything for the next twelve months.","start":1172.07,"end":1177.61,"sentiment":"neutral","sentiment_score":-0.13254783498613457},{"text":"Yeah.","start":1209.485,"end":1209.805,"sentiment":"neutral","sentiment_score":-0.06423649191856384}],"sentiment":"neutral","sentiment_score":-0.09336453093134839,"num_words":23,"start":1111.755,"end":1209.805},{"sentences":[{"text":"Well, my system was many years ago.","start":1209.805,"end":1213.805,"sentiment":"neutral","sentiment_score":-0.115253675196852},{"text":"I used to be an Internet reseller here in Tassie, and I set up an Internet email based on that.","start":1213.805,"end":1219.47,"sentiment":"neutral","sentiment_score":-0.08244166467338801},{"text":"The tub was that company's been unsold and unsold and went through eventually to iNet, and then iNet decided to unsell all their weird emails that addresses out to the messaging company.","start":1220.03,"end":1231.5499,"sentiment":"neutral","sentiment_score":-0.2790804069954902},{"text":"And it's just each time it goes to a new company, it gets slower and less reliable, but the price goes up.","start":1231.5499,"end":1237.125,"sentiment":"negative","sentiment_score":-0.46939905800602655},{"text":"And it's sorta it's like they know they've got you trapped in the system because it's hard to change a main email address.","start":1238.465,"end":1244.16,"sentiment":"negative","sentiment_score":-0.4058542795803236}],"sentiment":"neutral","sentiment_score":-0.29853470913636,"num_words":104,"start":1209.805,"end":1244.16},{"sentences":[{"text":"That's it.","start":1254.24,"end":1254.8,"sentiment":"neutral","sentiment_score":-0.12238634005188942},{"text":"Just slowly slowly transfer everything over.","start":1254.8,"end":1257.36,"sentiment":"neutral","sentiment_score":-0.10648048172394435},{"text":"Yeah.","start":1257.36,"end":1257.675,"sentiment":"neutral","sentiment_score":0.0019714441150426865},{"text":"Yeah.","start":1292.035,"end":1292.275,"sentiment":"neutral","sentiment_score":0.08320772647857666},{"text":"Yep.","start":1292.275,"end":1292.675,"sentiment":"neutral","sentiment_score":0.08904868364334106}],"sentiment":"neutral","sentiment_score":-0.06449342874640768,"num_words":11,"start":1254.24,"end":1292.675},{"sentences":[{"text":"Anyway, yep.","start":1292.675,"end":1293.395,"sentiment":"neutral","sentiment_score":0.10654755309224129},{"text":"No.","start":1293.395,"end":1293.475,"sentiment":"neutral","sentiment_score":0.07701034098863602},{"text":"That's all good.","start":1293.475,"end":1294.455,"sentiment":"neutral","sentiment_score":0.19426768521467844},{"text":"I'll be assisting for now.","start":1294.755,"end":1296.6,"sentiment":"neutral","sentiment_score":0.19387912303209304},{"text":"Okay.","start":1297.08,"end":1297.5599,"sentiment":"neutral","sentiment_score":0.08121058344841003}],"sentiment":"neutral","sentiment_score":0.16029289178550243,"num_words":12,"start":1292.675,"end":1297.5599},{"sentences":[{"text":"Yeah.","start":1297.5599,"end":1297.88,"sentiment":"neutral","sentiment_score":0.05034907907247543},{"text":"Just one of those things I left to just you bought the bullet at some stage soon and start changing.","start":1297.88,"end":1302.7,"sentiment":"neutral","sentiment_score":0.013579483050853014},{"text":"It's a it's a miserable wet day.","start":1324.07,"end":1325.51,"sentiment":"negative","sentiment_score":-0.36132502981594633},{"text":"It might be a good day for research.","start":1325.51,"end":1327.05,"sentiment":"neutral","sentiment_score":0.06418047472834587},{"text":"Beautiful.","start":1341.765,"end":1342.245,"sentiment":"positive","sentiment_score":0.8277934789657593}],"sentiment":"neutral","sentiment_score":-0.023408086265663843,"num_words":37,"start":1297.5599,"end":1342.245},{"sentences":[{"text":"Sounds good.","start":1342.245,"end":1342.9409,"sentiment":"positive","sentiment_score":0.8322997093200684},{"text":"Okay.","start":1344.3009,"end":1344.8009,"sentiment":"positive","sentiment_score":0.42414313554763794},{"text":"Okay.","start":1347.101,"end":1347.4209,"sentiment":"positive","sentiment_score":0.4032888412475586},{"text":"Thank you.","start":1347.4209,"end":1347.9009,"sentiment":"positive","sentiment_score":0.6523606181144714},{"text":"Talk to you then.","start":1347.9009,"end":1348.8009,"sentiment":"positive","sentiment_score":0.3724834769964218}],"sentiment":"positive","sentiment_score":0.5286686539649963,"num_words":10,"start":1342.245,"end":1348.8009},{"sentences":[{"text":"Bye.","start":1350.1409,"end":1350.6409,"sentiment":"neutral","sentiment_score":-0.11907417327165604}],"sentiment":"neutral","sentiment_score":-0.11907417327165604,"num_words":1,"start":1350.1409,"end":1350.6409}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Wayne?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Mine as well. Yep.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be?\n\nChannel 1: Bonnie.\n\nChannel 0: Yeah. Perfect. That's exactly what I have here. And how's your morning been? Been busy?\n\nWe're just kind of getting started.\n\nChannel 1: Very damn thin. He is saying that much at me.\n\nChannel 0: It's raining out here on the coast as well today, so not much fun. Now, Wayne, before I do kind of jump into the under review, I do like to start by asking if there is specific you would like me to focus on or address today or whether just a bit of a catch up and see what's happening?\n\nChannel 1: No. Nothing in particular.\n\nChannel 0: No. Okay. Perfect. And I do want to just touch base as well. I know that we spoke around October last year, and we talked about advice to switch some of your investments around.\n\nDo you remember that?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. So with the investments and stuff, because we never got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you. So\n\nChannel 1: No. I don't\n\nChannel 0: what\n\nChannel 1: know what happened there because I signed them and sent them the DocuSign runs and sent them back, so they must've got didn't\n\nChannel 0: yeah.\n\nChannel 1: work\n\nChannel 0: Because\n\nChannel 1: somewhere in the system.\n\nChannel 0: yeah. Because I remember when we had the call, you said you signed on, like, when we were doing it. And I was like, yep. I told the team, and then in their system, there was just nothing that came back. And then, yeah, I think they sold off a couple of times, but it seems like we actually never got it back.\n\nSo\n\nChannel 1: You know, I remember the follow-up.\n\nChannel 0: yeah.\n\nChannel 1: I didn't worry about it because I knew I'd already done it the first time,\n\nChannel 0: Yeah.\n\nChannel 1: but,\n\nChannel 0: No. Sometimes technology\n\nChannel 1: yeah,\n\nChannel 0: is great when it works, but frustrating\n\nChannel 1: it\n\nChannel 0: when it doesn't.\n\nChannel 1: must\n\nChannel 0: So what\n\nChannel 1: have\n\nChannel 0: I would like after\n\nChannel 1: not\n\nChannel 0: this call today is to\n\nChannel 1: worked\n\nChannel 0: to go and revisit that\n\nChannel 1: somewhere.\n\nChannel 0: if you are happy with it.\n\nChannel 1: Mhmm.\n\nChannel 0: Because some of the investments that we were looking at switching you out of, I definitely would like to go ahead and changing that because some of them have underperformed a little bit lately, which is obviously seeing the performance down a little bit. So I would like to do that as soon as possible to kind of get you out of those investments as soon as we can to kind\n\nChannel 1: Mhmm.\n\nChannel 0: of go back on track for you. So I'll try to make it pretty quick today because we went through a lot of it not too long ago and then kind of book you in and go through the advice again. And then I'll try to make sure that if you're obviously happy with it, that I'll get the document signed so we can process it right away so it doesn't happen again for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. So what I'll do first is just to kind of quickly go through a bit of a fact sign just to see if there is anything major that has changed in your life since we spoke last. So just bear with me as I go through this information here, Wayne. Now when it comes to your personal information, I have you down here as in a de facto relationship and no financial dependents.\n\nThey're all a little bit older. Is that correct? Yep. Perfect. And has your address or anything changed, or\n\nChannel 1: Yep.\n\nChannel 0: that's all the same?\n\nChannel 1: No. That's that's all we're saying. Yep.\n\nChannel 0: All the same. Beautiful. Now next up, can I have your partner, Colleen, nominated? That's still the case as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And their phone number hasn't changed, still ends in 355?\n\nChannel 1: Yep. Still the same.\n\nChannel 0: Yep. Perfect. And when it comes to your occupation,\n\nChannel 1: Yep.\n\nChannel 0: I have here kind of two jobs. Your main one for Stellar Resources, in mining. That's still the case as well? You still work there full time?\n\nChannel 1: No. Finished airshow. That\n\nChannel 0: Finish\n\nChannel 1: main job\n\nChannel 0: there.\n\nChannel 1: is sorta not happening at the moment.\n\nChannel 0: Okay.\n\nChannel 1: Still still got the the part time on the off fighting,\n\nChannel 0: Okay.\n\nChannel 1: but\n\nChannel 0: Alright. Perfect. So I stopped that one and still doing the part time firefighting. Do you have any plans of doing, like, another mining thing again or just kind of for the time being, the part time firefighting is\n\nChannel 1: Mhmm.\n\nChannel 0: sufficient.\n\nChannel 1: It's it's sort of possible. Yeah. It's sort of just waiting to see what's going on with another mining company at the moment.\n\nChannel 0: Yes. Okay. No problem. And with the firefighting, I do have her income of about 25,000. Do you know if that's roughly the same,\n\nChannel 1: Yeah.\n\nChannel 0: or has\n\nChannel 1: Probably\n\nChannel 0: that changed?\n\nChannel 1: would be. I mean, it varies year to year, of course, season to season, but\n\nChannel 0: Yeah.\n\nChannel 1: that'll be around\n\nChannel 0: Roughly\n\nChannel 1: figure\n\nChannel 0: the same as\n\nChannel 1: of average.\n\nChannel 0: yep. Okay. Perfect. And they just pay you that kind of standard\n\nChannel 1: Yep.\n\nChannel 0: employee contribution just like the normal rules. There's no additional agreements\n\nChannel 1: Yeah.\n\nChannel 0: or anything.\n\nChannel 1: Just standard. Yep.\n\nChannel 0: Yep. Perfect. And are you still salary sacrificing as well, or did that kind of change with the when you didn't go to the mining job anymore?\n\nChannel 1: No. That that thing is that was only with Stella, so that's finished there\n\nChannel 0: Yeah.\n\nChannel 1: for the\n\nChannel 0: Yep. Perfect. Is that something you are looking at maybe resuming it at? Or this kind\n\nChannel 1: moment.\n\nChannel 0: of obviously depends maybe with your\n\nChannel 1: Oh,\n\nChannel 0: job\n\nChannel 1: yeah.\n\nChannel 0: situation.\n\nChannel 1: That'll that'll just depend here how much work\n\nChannel 0: Yeah.\n\nChannel 1: comes in and how it goes.\n\nChannel 0: Yeah. Yeah. No. That's fair. And when it comes to savings otherwise, I had here that last time you were saving about $500 a week.\n\nDid that change, obviously, with the work situation for you as well\n\nChannel 1: Yeah.\n\nChannel 0: and, obviously,\n\nChannel 1: Yeah. There's nothing nothing going aside\n\nChannel 0: live\n\nChannel 1: of spend\n\nChannel 0: living\n\nChannel 1: spending\n\nChannel 0: expenses?\n\nChannel 1: it at the moment.\n\nChannel 0: Yeah. No. That's especially with all the increasing in living expenses, that's the same for a lot of people.\n\nChannel 1: Oh,\n\nChannel 0: Now asset wise, I have here that your property last was valued at about 275,000. Is that still the case, or do you know if that's gone up a little bit?\n\nChannel 1: look. It's probably going up a bit, but wouldn't have changed that much from last year?\n\nChannel 0: Okay. So happy to just kind of leave it the same for now.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And you don't have a mortgage attached to that one, do you?\n\nChannel 1: No.\n\nChannel 0: Nope. Perfect. I also have here a share portfolio of about 20,000.\n\nChannel 1: Let's fluctuate a fair bit, but yeah. We can do\n\nChannel 0: Around\n\nChannel 1: roundabout\n\nChannel 0: that?\n\nChannel 1: that.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Also, two motor vehicles abide at about $7,000.\n\nChannel 1: Yeah. Still we're floating around that. Yep.\n\nChannel 0: Yep. Perfect. And you didn't have anything owing on either of them, do you?\n\nChannel 1: No. No.\n\nChannel 0: That's perfect. Still a nonsmoker as well? Yep. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months?\n\nChannel 1: Mhmm. Nope.\n\nChannel 0: Nope. That's great. And do you have private health insurance? Nope. And when it comes to\n\nChannel 1: Nope.\n\nChannel 0: estate planning wise, I know last time we spoke, you had a kind of on the to do list to get a well sorted. Was that something you had time to do or still kind of on\n\nChannel 1: Well,\n\nChannel 0: the to do list?\n\nChannel 1: I still wanted to do this here.\n\nChannel 0: No. That's okay. Now do you know someone that you could organize it through locally, or would you like us to send you some pricing of a firm that we work closely with up here if that would be helpful?\n\nChannel 1: Yeah. We've got one likely. We're just\n\nChannel 0: You got\n\nChannel 1: wanna\n\nChannel 0: one\n\nChannel 1: get\n\nChannel 0: local?\n\nChannel 1: around to two on\n\nChannel 0: No. That's okay. That is no problem.\n\nChannel 1: it.\n\nChannel 0: Any other changes? Otherwise, we haven't gone through or kind of all the same.\n\nChannel 1: No. Not really.\n\nChannel 0: No. Perfect. And when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, When we spoke last year, your your main focus was to do some house renovation, and that was kind of the main focus. Is that still something you are kind of working towards, or did you do\n\nChannel 1: Yep.\n\nChannel 0: some renovation?\n\nChannel 1: Yep. We're working on them at the moment\n\nChannel 0: Yep. Perfect.\n\nChannel 1: while there's nothing else happening.\n\nChannel 0: Yep. No. That's good. And, otherwise, I have here that, ideally, you would like to access super at the age of 65. Is that still kind of the plan?\n\nChannel 1: Yeah. I plan to\n\nChannel 0: What\n\nChannel 1: plan\n\nChannel 0: do you\n\nChannel 1: to\n\nChannel 0: think?\n\nChannel 1: do that, and then if it's\n\nChannel 0: Yes.\n\nChannel 1: later, it's a bunch.\n\nChannel 0: Okay. Perfect. You don't think you'd wanna draw an income from super the four sixty five?\n\nChannel 1: No.\n\nChannel 0: No. Okay. And an ideal income per week, I have here of around $500. Do you think that would still kind of be achievable with living expenses and everything, or do you think you would need to draw a little bit more?\n\nChannel 1: No. At the same\n\nChannel 0: Leave it at 5\n\nChannel 1: cost.\n\nChannel 0: 100. Yep. Perfect.\n\nChannel 1: Yeah. We're still still running fairly efficiently.\n\nChannel 0: Yeah. Especially with not having a mortgage as well. It\n\nChannel 1: No\n\nChannel 0: puts you\n\nChannel 1: mortgage.\n\nChannel 0: in a pretty\n\nChannel 1: No.\n\nChannel 0: good position, which\n\nChannel 1: No mortgage\n\nChannel 0: is\n\nChannel 1: and\n\nChannel 0: good.\n\nChannel 1: no power bills.\n\nChannel 0: Yeah. No. That's that's lovely. And when it comes to beneficiaries, sorry, on your super, if something ever were to happen to you, I have a 100% going to your partner at the moment. That's still the case as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now I won't go through that whole risk profile questionnaire with you again because we didn't do it too long ago. But I do wanna just to confirm, has your risk tolerance or anything changed, or are you feeling quite similar through your your growth profile, how your money is invested otherwise, or have you had a bit of a change in how you feel about risk and fluctuations in the market?\n\nChannel 1: Not really. I don't think everything\n\nChannel 0: No.\n\nChannel 1: should've still kicking on the same. I mean,\n\nChannel 0: Flucting\n\nChannel 1: market's\n\nChannel 0: along?\n\nChannel 1: gonna fluctuate\n\nChannel 0: Yeah.\n\nChannel 1: a bit with things going on, but other than that long term look, I don't think it's much different.\n\nChannel 0: No. Okay. Perfect. And just as a little recap for you, we do have you invest in a growth portfolio, which is what we were looking at last time as well. I'm just making a little bit of switches to some of your investments, swapping out some of those underperforming a little bit through a couple of other ones that will be a bit more better positioned moving forward with everything going on in the world and especially kind of what's happening since we spoke in October more so.\n\nAnd when we are looking at an asset allocation, we typically see about 80% invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities as well, and that is ultimately what is going to grow that super for you. And then about 20\n\nChannel 1: Mhmm.\n\nChannel 0: percent in defensive assets, like your cash, your gold, your fixed interest, you're gonna limit those fluctuations a little bit while still obviously trying to focus on growing it. Does that all make sense, Wayne?\n\nChannel 1: Yep. Yep. I wouldn't\n\nChannel 0: Yep.\n\nChannel 1: mind\n\nChannel 0: Perfect.\n\nChannel 1: having a lot more sitting in gold at the moment. Well,\n\nChannel 0: Yes.\n\nChannel 1: done done fairly\n\nChannel 0: Do\n\nChannel 1: well\n\nChannel 0: you\n\nChannel 1: in the last couple of years, you know.\n\nChannel 0: yes. Now do you because with gold, it's part of the, like, alternative assets, so we do have it in your portfolio. If it is something you want to increase, I can consider that as part of the reset.\n\nChannel 1: Uh-huh. I\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: only\n\nChannel 1: I\n\nChannel 0: thing\n\nChannel 1: think\n\nChannel 0: would\n\nChannel 1: I think at the moment, it's just leave it as it is. So I think\n\nChannel 0: yep.\n\nChannel 1: gold's done pretty well recently, but I think it's leveling at the moment.\n\nChannel 0: Ex\n\nChannel 1: And\n\nChannel 0: exactly.\n\nChannel 1: it's\n\nChannel 0: And then\n\nChannel 1: just gotta\n\nChannel 0: also\n\nChannel 1: reach\n\nChannel 0: if\n\nChannel 1: a\n\nChannel 0: it\n\nChannel 1: point at some point where it can't keep going.\n\nChannel 0: exactly. Exactly. And then if we put too much in it, you don't wanna be over in one area as well. And then also wanna make sure we have a good diversification. So I'll have a look at it.\n\nAnd if it's still looking good, we'll kind of leave it as is in terms\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: how much\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you have. And just from a time frame point of view, growth portfolios would typically see about 60 at your retirement. So you are still in a good position from a time frame in that high growth in the growth portfolio, sorry, by having that time frame to about 65 at least.\n\nChannel 1: Mhmm.\n\nChannel 0: So happy with that. We will leave you in your growth portfolio. Now, Wayne, do you have access to your emails at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So what I have done is I have just sent you an email with some documents just for the review today. And then like I said, I will go and do just that updated advice piece for you just to make sure the advice we did in October is still\n\nChannel 1: So\n\nChannel 0: appropriate or if we need to make any further changes. And that will kind of go through your portfolio and everything in a little bit more detail again. But, otherwise, did that email come through okay?\n\nChannel 1: I even slow on my email.\n\nChannel 0: No. That's okay.\n\nChannel 1: Just\n\nChannel 0: It\n\nChannel 1: just hasn't\n\nChannel 0: sometimes\n\nChannel 1: come through\n\nChannel 0: goes\n\nChannel 1: yet. But\n\nChannel 0: it sometimes goes to spam as well because we have this change to software.\n\nChannel 1: yeah. It usually comes through. This just always seems to be a few minutes delay\n\nChannel 0: No.\n\nChannel 1: on\n\nChannel 0: That's\n\nChannel 1: my system,\n\nChannel 0: okay.\n\nChannel 1: because I don't know why. Probably just because it's a nonstandard email system.\n\nChannel 0: Yeah. Maybe. Are you happy for me to kind of go through a little bit of the documents while we wait for that to come through for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Yeah. Might as\n\nChannel 0: Yep.\n\nChannel 1: well.\n\nChannel 0: Perfect. I was trying to resend it as well because sometimes it is when the weather is a bit iffy, sometimes it does take a little bit longer. So just let me know if it does come through. Otherwise, when it does come through for you, you will see a couple of attachments. Now that is before you click on the link where it says sign now, you will see a couple of attachments added.\n\nNow what you will see is an updated financial services guide. That is one of those compliance documents. We went through it last year, but it's just a bit of an updated version. So all the important information in regards to us is in there for you. This we've had a bit of an update to marketing and a bit of an extension to the team.\n\nSo if you do wanna have a bit of a read through that at your own time, that's all in there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you also have their Vanguard index chart. Again, just an updated version because they do release one every year. So this one here is now updated from 1995 through 2025. Again, just kind of showing you the the the market trends and what happened what has happened in the world since then. But, basically, when you do have a look at it, you will see that the market in the long term always goes up, like you said, as well.\n\nThe short term, there will be some ups and downs in market fluctuations. Now you will also have a super summary, and that shows you your current balance in net wealth. So you do have your super in net wealth, and you do have about 209,833 in there. And we don't have any insurances for you. Now are you still happy to not have a comfortable without any insurances as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now you will also have a asset performance report just showing you your investments again. But like I said, I'll do some more research on the investment again and redo that advice for you to see if we can swap out some of those investments for you, making sure that we do have you in the best position for your retirement. And then the last thing is if you're happy to do so, it will then just be to sign two documents.\n\nNow has that come through for you yet at all there, Wayne?\n\nChannel 1: Still not yet, but that's not unusual with this old\n\nChannel 0: Okay.\n\nChannel 1: hand hand crank system.\n\nChannel 0: Okay. Perfect. Let me just see here because, yeah, it says it's been sent on my end. So it might just take a a couple of minutes or\n\nChannel 1: Yeah.\n\nChannel 0: so.\n\nChannel 1: With\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: just\n\nChannel 1: with\n\nChannel 0: keep a\n\nChannel 1: with\n\nChannel 0: lookout.\n\nChannel 1: all this crap weather, the courier system run a bit slow.\n\nChannel 0: It does. When it does come through, and if you're happy to do so when you have a moment, I will just need you to sign two documents. One will be just a tax file number form. It's just a compliance form to say we are keeping your tax file number secure and safe on file. And the other one, it is just your ongoing service agreement.\n\nAnd that is just to say that you are happy to stay on as the client. There is no changes whatsoever in regards to the fee structure there for you, Wayne. It stays exactly the same at 1.65 from superannuation. No changes in regards to that, and it is not a locking contract. So if at any point in time, if you are not happy, it is not a locking contract, but that just lets us service your account and manage everything for you in the meantime.\n\nDoes that all make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Do you have any questions for me in regards to anything we went over today or pretty straightforward?\n\nChannel 1: No. It all all makes good sense.\n\nChannel 0: Oh, pretty straightforward? Okay. Perfect. So like I said, what I will do is I will go and update that advice piece for you that we kind of went through at the end of last year just to make sure it's all up to date if we need to make any other changes to the investment. And then I'll go through them with you again just to make sure you are happy with it, and then we can go ahead and make those investment changes for you.\n\nWe do wanna see if we can swap you out of of a a couple that was underperforming and making sure that we have you in the best option. So when is a good time for you, for me to give you a call and go through that research again with you?\n\nChannel 1: Any any any day at the moment, but sort of morning's better.\n\nChannel 0: Morning. But around this time?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Okay. Let me have a look. Now I could do I could do this time again on Wednesday, June 10, so in two weeks. Would that work for you?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Alright. Perfect. Now I will book that in on Wednesday, the tenth, same time as now for you. I'll give you a call and go through that research, talk a little bit more about your investment portfolio and potential changes with you.\n\nIt shouldn't take too long because we've kind of touched on that before. And then I will make sure with IT that we get it back this time, and we can get it sorted so we don't have the same issue for you. Do you have any questions or anything else from me otherwise before I let you go and enjoy the rest of your morning?\n\nChannel 1: Not unless you know there's a way to change your email without losing everything for the next twelve months.\n\nChannel 0: No. The I don't know if there that you can, like I think sometimes you can forward. Like, you can set up another email, and you can do, like, a a forward request. So everything that goes into your old email is automatically forward onto a new one. How you do that, I have no idea.\n\nI'm not super tech savvy either, but I think you can potentially do that. Are you looking at changing your email?\n\nChannel 1: Yeah. Well, my system was many years ago. I used to be an Internet reseller here in Tassie, and I set up an Internet email based on that. The tub was that company's been unsold and unsold and went through eventually to iNet, and then iNet decided to unsell all their weird emails that addresses out to the messaging company. And it's just each time it goes to a new company, it gets slower and less reliable, but the price goes up.\n\nChannel 0: Oh, yeah.\n\nChannel 1: And\n\nChannel 0: That's not\n\nChannel 1: it's\n\nChannel 0: good.\n\nChannel 1: sorta it's like they know they've got you trapped in the system because it's hard to change a main email address.\n\nChannel 0: Yeah. Yeah. It is painful unless you set up, like, a new one and then, like, gradually go\n\nChannel 1: That's\n\nChannel 0: through\n\nChannel 1: it.\n\nChannel 0: and\n\nChannel 1: Just\n\nChannel 0: change\n\nChannel 1: slowly\n\nChannel 0: them.\n\nChannel 1: slowly transfer everything over. Yeah.\n\nChannel 0: Yeah. Which is slightly painful. But then maybe by the time you have done it, it will obviously make your life easier moving forward. It's just a bit of a bit of a painful thing in the interim. If you do go ahead and change it, just let us know.\n\nWe can always get everything updated for you. But I will leave it for now, obviously, until the tenth. And then if you do, like I said, yeah, add new email and you want us to update the record or anything with that as well, we can always do that for you.\n\nChannel 1: Yeah. Yep. Anyway, yep. No. That's all\n\nChannel 0: Yep.\n\nChannel 1: good. I'll be\n\nChannel 0: No problem\n\nChannel 1: assisting\n\nChannel 0: at all.\n\nChannel 1: for now. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: Just one\n\nChannel 0: I\n\nChannel 1: of those\n\nChannel 0: I\n\nChannel 1: things\n\nChannel 0: will\n\nChannel 1: I left to just you bought\n\nChannel 0: Yeah.\n\nChannel 1: the bullet at some stage soon and start changing.\n\nChannel 0: But, yeah, maybe have a look too because I think, yeah, there might be a way that you can forward on. So similar to what you can do, like, you know, if you move the address, that you can have, like, a a forward of a post. I have read somewhere you could pretend to do that with an email address. But but, yes, I'm not exactly sure how to do how to do that.\n\nChannel 1: It's a it's a\n\nChannel 0: So,\n\nChannel 1: miserable wet day. It might be a good day for research.\n\nChannel 0: yes, hopefully, you find something. If you do, let me know. I will let you go, Wayne. Thank you so much for your time this morning, and I will give you a call on Wednesday, the tenth, to go through your e investments and potential changes with you.\n\nChannel 1: Beautiful. Sounds good.\n\nChannel 0: Yep. No problem at all.\n\nChannel 1: Okay.\n\nChannel 0: Well, thank you so much, and I look forward to speaking with you in a fortnight.\n\nChannel 1: Okay. Thank you. Talk to you then.\n\nChannel 0: Talk then. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.018323592841625217}],"sentiment":"neutral","sentiment_score":0.018323592841625217,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good morning.","start":1.8399999,"end":2.32,"sentiment":"neutral","sentiment_score":0.17896809428930283},{"text":"Is this Wayne?","start":2.32,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.11441859851280849}],"sentiment":"neutral","sentiment_score":0.14023839682340622,"channel":0,"num_words":5,"start":1.8399999,"end":3.1399999},{"sentences":[{"text":"Yes.","start":3.9199998,"end":4.16,"sentiment":"neutral","sentiment_score":0.08082939684391022},{"text":"Speaking.","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.07836872339248657}],"sentiment":"neutral","sentiment_score":0.0795990601181984,"channel":1,"num_words":2,"start":3.9199998,"end":4.66},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":5.12,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.1287632423142592},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.11288759609063466}],"sentiment":"neutral","sentiment_score":0.12347136023971769,"channel":0,"num_words":9,"start":5.12,"end":8.34},{"sentences":[{"text":"Good.","start":8.48,"end":8.72,"sentiment":"positive","sentiment_score":0.4758634865283966},{"text":"Thank you.","start":8.72,"end":9.46,"sentiment":"positive","sentiment_score":0.6206281781196594}],"sentiment":"positive","sentiment_score":0.5723732809225718,"channel":1,"num_words":3,"start":8.48,"end":9.46},{"sentences":[{"text":"That's good.","start":10.0,"end":10.9,"sentiment":"positive","sentiment_score":0.666924774646759},{"text":"I had you booked in to go over your annual review.","start":11.84,"end":14.559999,"sentiment":"positive","sentiment_score":0.44172343611717224},{"text":"Is now still a good time for 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for quality and coaching purposes, if that's okay.","start":19.455,"end":27.154999,"sentiment":"neutral","sentiment_score":0.05778052452309378}],"sentiment":"neutral","sentiment_score":0.06881735281598184,"channel":0,"num_words":31,"start":18.015,"end":27.154999},{"sentences":[{"text":"Mhmm.","start":27.5,"end":27.74,"sentiment":"neutral","sentiment_score":0.038162097334861755},{"text":"Yep.","start":27.74,"end":28.24,"sentiment":"neutral","sentiment_score":0.09198671579360962}],"sentiment":"neutral","sentiment_score":0.06507440656423569,"channel":1,"num_words":2,"start":27.5,"end":28.24},{"sentences":[{"text":"Perfect.","start":28.59,"end":29.09,"sentiment":"neutral","sentiment_score":0.21583333611488345},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you.","start":29.23,"end":33.95,"sentiment":"neutral","sentiment_score":0.09103318639099597},{"text":"Do you know where that might be?","start":33.95,"end":35.57,"sentiment":"neutral","sentiment_score":0.035430652488555224}],"sentiment":"neutral","sentiment_score":0.08158970111981034,"channel":0,"num_words":28,"start":28.59,"end":35.57},{"sentences":[{"text":"Bonnie.","start":35.82,"end":36.32,"sentiment":"neutral","sentiment_score":0.04860660433769226}],"sentiment":"neutral","sentiment_score":0.04860660433769226,"channel":1,"num_words":1,"start":35.82,"end":36.32},{"sentences":[{"text":"Yeah.","start":36.91,"end":37.309998,"sentiment":"neutral","sentiment_score":0.1171826645731926},{"text":"Perfect.","start":37.309998,"end":37.79,"sentiment":"neutral","sentiment_score":0.2880876660346985},{"text":"That's exactly what I have here.","start":37.79,"end":39.55,"sentiment":"neutral","sentiment_score":0.31334565083185834},{"text":"And how's your morning been?","start":39.55,"end":40.91,"sentiment":"neutral","sentiment_score":0.09479075223207474},{"text":"Been busy?","start":40.91,"end":41.55,"sentiment":"neutral","sentiment_score":0.018120621796697378}],"sentiment":"neutral","sentiment_score":0.1863692826901873,"channel":0,"num_words":15,"start":36.91,"end":41.55},{"sentences":[{"text":"We're just kind of getting started.","start":41.55,"end":43.17,"sentiment":"neutral","sentiment_score":-0.029639095533639193}],"sentiment":"neutral","sentiment_score":-0.029639095533639193,"channel":0,"num_words":6,"start":41.55,"end":43.17},{"sentences":[{"text":"Very damn thin.","start":43.525,"end":44.325,"sentiment":"negative","sentiment_score":-0.44931920369466144},{"text":"He is saying that much at me.","start":44.325,"end":45.864998,"sentiment":"negative","sentiment_score":-0.3463347298758371}],"sentiment":"negative","sentiment_score":-0.3772300720214844,"channel":1,"num_words":10,"start":43.525,"end":45.864998},{"sentences":[{"text":"It's raining out here on the coast as well today, so not much fun.","start":46.645,"end":51.705,"sentiment":"negative","sentiment_score":-0.354841873049736},{"text":"Now, Wayne, before I do kind of jump into the under review, I do like to start by asking if there is specific you would like me to focus on or address today or whether just a bit of a catch up and see what's happening?","start":53.045002,"end":64.7,"sentiment":"neutral","sentiment_score":-0.011245916111637716}],"sentiment":"neutral","sentiment_score":-0.09141830606386066,"channel":0,"num_words":60,"start":46.645,"end":64.7},{"sentences":[{"text":"No.","start":65.38,"end":65.62,"sentiment":"neutral","sentiment_score":-0.12114965915679932},{"text":"Nothing in 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got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you.","start":87.314995,"end":102.28999,"sentiment":"neutral","sentiment_score":-0.15594704236303056},{"text":"So","start":102.67,"end":103.17,"sentiment":"neutral","sentiment_score":-0.10720525681972504}],"sentiment":"neutral","sentiment_score":-0.1522331093861298,"channel":0,"num_words":44,"start":86.274994,"end":103.17},{"sentences":[{"text":"No.","start":102.915,"end":103.075,"sentiment":"neutral","sentiment_score":-0.240461066365242},{"text":"I 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do is I will go and update that advice piece for you that we kind of went through at the end of last year just to make sure it's all up to date if we need to make any other changes to the investment.","start":1066.5851,"end":1079.405,"sentiment":"neutral","sentiment_score":0.27310128539216283},{"text":"And then I'll go through them with you again just to make sure you are happy with it, and then we can go ahead and make those investment changes for you.","start":1080.09,"end":1088.51,"sentiment":"positive","sentiment_score":0.38736200542940247}],"sentiment":"neutral","sentiment_score":0.3182358756104762,"channel":0,"num_words":87,"start":1064.3201,"end":1088.51},{"sentences":[{"text":"We do wanna see if we can swap you out of of a a couple that was underperforming and making sure that we have you in the best option.","start":1088.57,"end":1095.5499,"sentiment":"neutral","sentiment_score":-0.00440993262776013},{"text":"So when is a good time for you, for me to give you a call and go 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weeks.","start":1116.28,"end":1131.6749,"sentiment":"neutral","sentiment_score":0.17707404494285583},{"text":"Would that work for 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now.","start":1295.875,"end":1296.6,"sentiment":"neutral","sentiment_score":0.14598320797085762},{"text":"Okay.","start":1297.08,"end":1297.5599,"sentiment":"neutral","sentiment_score":0.08121058344841003}],"sentiment":"neutral","sentiment_score":0.12439233313004176,"channel":1,"num_words":3,"start":1295.875,"end":1297.5599},{"sentences":[{"text":"Yeah.","start":1297.18,"end":1297.5801,"sentiment":"neutral","sentiment_score":0.06588318943977356}],"sentiment":"neutral","sentiment_score":0.06588318943977356,"channel":0,"num_words":1,"start":1297.18,"end":1297.5801},{"sentences":[{"text":"Yeah.","start":1297.5599,"end":1297.88,"sentiment":"neutral","sentiment_score":0.05034907907247543}],"sentiment":"neutral","sentiment_score":0.05034907907247543,"channel":1,"num_words":1,"start":1297.5599,"end":1297.88},{"sentences":[{"text":"No.","start":1297.5801,"end":1298.0801,"sentiment":"neutral","sentiment_score":0.0151594253256917}],"sentiment":"neutral","sentiment_score":0.0151594253256917,"channel":0,"num_words":1,"start":1297.5801,"end":1298.0801},{"sentences":[{"text":"Just one","start":1297.88,"end":1298.36,"sentiment":"neutral","sentiment_score":0.006849284283816814}],"sentiment":"neutral","sentiment_score":0.006849284283816814,"channel":1,"num_words":2,"start":1297.88,"end":1298.36},{"sentences":[{"text":"I","start":1298.2201,"end":1298.62,"sentiment":"neutral","sentiment_score":0.01246543414890766}],"sentiment":"neutral","sentiment_score":0.01246543414890766,"channel":0,"num_words":1,"start":1298.2201,"end":1298.62},{"sentences":[{"text":"of those","start":1298.36,"end":1298.6799,"sentiment":"neutral","sentiment_score":0.010527932085096836}],"sentiment":"neutral","sentiment_score":0.010527932085096836,"channel":1,"num_words":2,"start":1298.36,"end":1298.6799},{"sentences":[{"text":"I","start":1298.62,"end":1298.78,"sentiment":"neutral","sentiment_score":0.012783341109752657}],"sentiment":"neutral","sentiment_score":0.012783341109752657,"channel":0,"num_words":1,"start":1298.62,"end":1298.78},{"sentences":[{"text":"things","start":1298.6799,"end":1298.84,"sentiment":"neutral","sentiment_score":0.035069823265075684}],"sentiment":"neutral","sentiment_score":0.035069823265075684,"channel":1,"num_words":1,"start":1298.6799,"end":1298.84},{"sentences":[{"text":"will","start":1298.78,"end":1299.26,"sentiment":"neutral","sentiment_score":0.02896188758313656}],"sentiment":"neutral","sentiment_score":0.02896188758313656,"channel":0,"num_words":1,"start":1298.78,"end":1299.26},{"sentences":[{"text":"I left to just you bought","start":1298.84,"end":1300.44,"sentiment":"neutral","sentiment_score":0.023838640190660954}],"sentiment":"neutral","sentiment_score":0.023838640190660954,"channel":1,"num_words":6,"start":1298.84,"end":1300.44},{"sentences":[{"text":"Yeah.","start":1300.3,"end":1300.8,"sentiment":"neutral","sentiment_score":0.02130062505602837}],"sentiment":"neutral","sentiment_score":0.02130062505602837,"channel":0,"num_words":1,"start":1300.3,"end":1300.8},{"sentences":[{"text":"the bullet at some stage soon and start changing.","start":1300.44,"end":1302.7,"sentiment":"neutral","sentiment_score":0.006525951541132397}],"sentiment":"neutral","sentiment_score":0.006525951541132397,"channel":1,"num_words":9,"start":1300.44,"end":1302.7},{"sentences":[{"text":"But, yeah, maybe have a look too because I think, yeah, there might be a way that you can forward on.","start":1303.5,"end":1307.5801,"sentiment":"neutral","sentiment_score":0.07719902676485833},{"text":"So similar to what you can do, like, you know, if you move the address, that you can have, like, a a forward of a post.","start":1307.5801,"end":1313.965,"sentiment":"neutral","sentiment_score":0.01754382711190444},{"text":"I have read somewhere you could pretend to do that with an email address.","start":1314.745,"end":1318.365,"sentiment":"neutral","sentiment_score":-0.04623018431344202},{"text":"But but, yes, I'm not exactly sure how to do how to do that.","start":1318.425,"end":1322.925,"sentiment":"neutral","sentiment_score":-0.20668941736221313}],"sentiment":"neutral","sentiment_score":-0.01951407141983509,"channel":0,"num_words":75,"start":1303.5,"end":1322.925},{"sentences":[{"text":"It's a it's a","start":1324.07,"end":1324.63,"sentiment":"neutral","sentiment_score":-0.18859943002462387}],"sentiment":"neutral","sentiment_score":-0.18859943002462387,"channel":1,"num_words":4,"start":1324.07,"end":1324.63},{"sentences":[{"text":"So,","start":1324.585,"end":1325.085,"sentiment":"negative","sentiment_score":-0.45911669731140137}],"sentiment":"negative","sentiment_score":-0.45911669731140137,"channel":0,"num_words":1,"start":1324.585,"end":1325.085},{"sentences":[{"text":"miserable wet day.","start":1324.63,"end":1325.51,"sentiment":"negative","sentiment_score":-0.5916258295377096},{"text":"It might be a good day for research.","start":1325.51,"end":1327.05,"sentiment":"neutral","sentiment_score":0.06418047472834587}],"sentiment":"neutral","sentiment_score":-0.11467579007148743,"channel":1,"num_words":11,"start":1324.63,"end":1327.05},{"sentences":[{"text":"yes, hopefully, you find something.","start":1327.94,"end":1329.7799,"sentiment":"neutral","sentiment_score":0.26111226677894595},{"text":"If you do, let me know.","start":1329.7799,"end":1331.0,"sentiment":"neutral","sentiment_score":0.13552300135294595},{"text":"I will let you go, Wayne.","start":1332.74,"end":1333.94,"sentiment":"neutral","sentiment_score":0.08754491697375973},{"text":"Thank you so much for your time this morning, and I will give you a call on Wednesday, the tenth, to go through your e investments and potential changes with you.","start":1333.94,"end":1342.035,"sentiment":"positive","sentiment_score":0.6065284792454012}],"sentiment":"positive","sentiment_score":0.44679899375963333,"channel":0,"num_words":48,"start":1327.94,"end":1342.035},{"sentences":[{"text":"Beautiful.","start":1341.765,"end":1342.245,"sentiment":"positive","sentiment_score":0.8277934789657593},{"text":"Sounds 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fortnight.","start":1344.335,"end":1347.155,"sentiment":"positive","sentiment_score":0.7461024783551693}],"sentiment":"positive","sentiment_score":0.7461024783551693,"channel":0,"num_words":16,"start":1344.335,"end":1347.155},{"sentences":[{"text":"Okay.","start":1347.101,"end":1347.4209,"sentiment":"positive","sentiment_score":0.4032888412475586},{"text":"Thank you.","start":1347.4209,"end":1347.9009,"sentiment":"positive","sentiment_score":0.6523606181144714},{"text":"Talk to you then.","start":1347.9009,"end":1348.8009,"sentiment":"positive","sentiment_score":0.3724834769964218}],"sentiment":"positive","sentiment_score":0.4568491407803127,"channel":1,"num_words":7,"start":1347.101,"end":1348.8009},{"sentences":[{"text":"Talk then.","start":1349.295,"end":1349.935,"sentiment":"neutral","sentiment_score":0.1495545171201229},{"text":"Bye.","start":1349.935,"end":1350.435,"sentiment":"neutral","sentiment_score":0.1314002126455307}],"sentiment":"neutral","sentiment_score":0.14350308229525885,"channel":0,"num_words":3,"start":1349.295,"end":1350.435},{"sentences":[{"text":"Bye.","start":1350.1409,"end":1350.6409,"sentiment":"neutral","sentiment_score":-0.11907417327165604}],"sentiment":"neutral","sentiment_score":-0.11907417327165604,"channel":1,"num_words":1,"start":1350.1409,"end":1350.6409}]},"summary":{"result":"success","short":"The representative from Oakview Financial speaks with Wayne about his annual review and confirms his personal information, investment portfolio, and health issues. They discuss his retirement plans, health issues, income goals, and risk tolerance. The agent provides information on their financial services guide and advises the customer to sign two documents to confirm their satisfaction with their account. The agent also updates the customer's investment portfolio and suggests changing their email address to avoid future issues. The agent offers to call the customer on Wednesday to go through their e investments and potential changes."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Mhmm.","start_word":48,"end_word":77,"intents":[{"intent":"Confirm call recording","confidence_score":0.048150815}]},{"text":"And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be? Bonnie.","start_word":80,"end_word":107,"intents":[{"intent":"Check contact details","confidence_score":0.000050466013}]},{"text":"Now, Wayne, before I do kind of jump into the under review, I do like to start by asking if there is specific you would like me to focus on or address today or whether just a bit of a catch up and see what's happening? No. Nothing in particular.","start_word":153,"end_word":202,"intents":[{"intent":"Address specific topics","confidence_score":0.045482844}]},{"text":"And I do want to just touch base as well. I know that we spoke around October last year, and we talked about advice to switch some of your investments around. Do you remember that? Yeah.","start_word":206,"end_word":241,"intents":[{"intent":"Touch base","confidence_score":0.22928342}]},{"text":"So with the investments and stuff, because we never got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you. So No.","start_word":244,"end_word":287,"intents":[{"intent":"Implement document","confidence_score":0.08955708}]},{"text":"So with the investments and stuff, because we never got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you. So No. I don't what know what happened there because I signed them and sent them the DocuSign runs and sent them back, so they must've got didn't yeah. work Because somewhere in the system.","start_word":244,"end_word":320,"intents":[{"intent":"Implement docusign","confidence_score":0.063415565}]},{"text":"Because some of the investments that we were looking at switching you out of, I definitely would like to go ahead and changing that because some of them have underperformed a little bit lately, which is obviously seeing the performance down a little bit. So I would like to do that as soon as possible to kind of get you out of those investments as soon as we can to kind Mhmm.","start_word":452,"end_word":523,"intents":[{"intent":"Review investments and recommend exit","confidence_score":0.0000037351763}]},{"text":"And when it comes to savings otherwise, I had here that last time you were saving about $500 a week.","start_word":1051,"end_word":1070,"intents":[{"intent":"Discuss savings","confidence_score":0.04148552}]},{"text":"So happy to just kind of leave it the same for now. Yep. Yeah.","start_word":1169,"end_word":1182,"intents":[{"intent":"Leave property","confidence_score":0.2307841}]},{"text":"I also have here a share portfolio of about 20,000. Let's fluctuate a fair bit, but yeah. We can do Around roundabout that? that.","start_word":1198,"end_word":1221,"intents":[{"intent":"Share portfolio","confidence_score":0.03547959}]},{"text":"And have you had any significant health issues or injuries or anything in the last twelve months? Mhmm.","start_word":1265,"end_word":1282,"intents":[{"intent":"Confirm health","confidence_score":0.009758115}]},{"text":"Now do you know someone that you could organize it through locally, or would you like us to send you some pricing of a firm that we work closely with up here if that would be helpful? Yeah.","start_word":1353,"end_word":1390,"intents":[{"intent":"Send pricing","confidence_score":0.3278557}]},{"text":"And when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, When we spoke last year, your your main focus was to do some house renovation, and that was kind of the main focus. Is that still something you are kind of working towards, or did you do Yep.","start_word":1434,"end_word":1491,"intents":[{"intent":"Identify primary focus","confidence_score":0.00024565688}]},{"text":"And, otherwise, I have here that, ideally, you would like to access super at the age of 65. Is that still kind of the plan? Yeah.","start_word":1513,"end_word":1538,"intents":[{"intent":"Discuss future plans","confidence_score":0.011513991}]},{"text":"Yeah.","start_word":1538,"end_word":1538,"intents":[{"intent":"Confirm plan","confidence_score":0.15144679}]},{"text":"You don't think you'd wanna draw an income from super the four sixty five? No. No. Okay.","start_word":1561,"end_word":1577,"intents":[{"intent":"Understand income requirement","confidence_score":0.00014144625}]},{"text":"Especially with not having a mortgage as well. It No puts you mortgage. in a pretty No. good position, which No mortgage is and good. no power bills. Yeah.","start_word":1638,"end_word":1666,"intents":[{"intent":"Assist with mortgage questions","confidence_score":0.000016414257}]},{"text":"And when it comes to beneficiaries, sorry, on your super, if something ever were to happen to you, I have a 100% going to your partner at the moment. That's still the case as well? Yep.","start_word":1671,"end_word":1706,"intents":[{"intent":"Identify potential beneficiaries","confidence_score":0.002702205}]},{"text":"But I do wanna just to confirm, has your risk tolerance or anything changed, or are you feeling quite similar through your your growth profile, how your money is invested otherwise, or have you had a bit of a change in how you feel about risk and fluctuations in the market?","start_word":1731,"end_word":1781,"intents":[{"intent":"Understand market fluctuations","confidence_score":0.027431237}]},{"text":"But I do wanna just to confirm, has your risk tolerance or anything changed, or are you feeling quite similar through your your growth profile, how your money is invested otherwise, or have you had a bit of a change in how you feel about risk and fluctuations in the market? Not really.","start_word":1731,"end_word":1783,"intents":[{"intent":"Confirm risk tolerance","confidence_score":0.55016243}]},{"text":"And when we are looking at an asset allocation, we typically see about 80% invested in your growth assets. So that will be things like Australian shares, international shares, property, and commodities as well, and that is ultimately what is going to grow that super for you.","start_word":1910,"end_word":1956,"intents":[{"intent":"Discuss asset allocation","confidence_score":0.105034366}]},{"text":"having a lot more sitting in gold at the moment. Well, Yes.","start_word":2004,"end_word":2015,"intents":[{"intent":"Discuss gold holding in portfolio","confidence_score":0.0017265228}]},{"text":"So what I have done is I have just sent you an email with some documents just for the review today. And then like I said, I will go and do just that updated advice piece for you just to make sure the advice we did in October is still So appropriate or if we need to make any further changes. And that will kind of go through your portfolio and everything in a little bit more detail again. But, otherwise, did that email come through okay?","start_word":2270,"end_word":2356,"intents":[{"intent":"Review portfolio and document changes","confidence_score":0.00081349845}]},{"text":"I was trying to resend it as well because sometimes it is when the weather is a bit iffy, sometimes it does take a little bit longer. So just let me know if it does come through. Otherwise, when it does come through for you, you will see a couple of attachments.","start_word":2460,"end_word":2511,"intents":[{"intent":"Resend document","confidence_score":0.46520656}]},{"text":"Now what you will see is an updated financial services guide. That is one of those compliance documents.","start_word":2533,"end_word":2550,"intents":[{"intent":"Update financial services guide","confidence_score":0.5450677}]},{"text":"Again, just kind of showing you the the the market trends and what happened what has happened in the world since then.","start_word":2652,"end_word":2673,"intents":[{"intent":"Update market trends","confidence_score":0.08721924}]},{"text":"Now you will also have a super summary, and that shows you your current balance in net wealth. So you do have your super in net wealth, and you do have about 209,833 in there.","start_word":2715,"end_word":2749,"intents":[{"intent":"Discuss net wealth","confidence_score":0.13788633}]},{"text":"Now you will also have a asset performance report just showing you your investments again. But like I said, I'll do some more research on the investment again and redo that advice for you to see if we can swap out some of those investments for you, making sure that we do have you in the best position for your retirement.","start_word":2776,"end_word":2836,"intents":[{"intent":"Recommend investment swap","confidence_score":0.008429243}]},{"text":"So like I said, what I will do is I will go and update that advice piece for you that we kind of went through at the end of last year just to make sure it's all up to date if we need to make any other changes to the investment. And then I'll go through them with you again just to make sure you are happy with it, and then we can go ahead and make those investment changes for you.","start_word":3127,"end_word":3208,"intents":[{"intent":"Ensure satisfaction with investment","confidence_score":0.0042286436}]},{"text":"So when is a good time for you, for me to give you a call and go through that research again with you?","start_word":3238,"end_word":3260,"intents":[{"intent":"Scheduling meeting","confidence_score":0.00061488047}]},{"text":"And it's just each time it goes to a new company, it gets slower and less reliable, but the price goes up. Oh, yeah. And That's not it's good. sorta it's like they know they've got you trapped in the system because it's hard to change a main email address. Yeah. Yeah.","start_word":3578,"end_word":3629,"intents":[{"intent":"Fix email issue","confidence_score":0.01748384}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Wayne? Yes. Speaking. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.11508378386497498},{"text":"Good. Thank you. That's good. I had you booked in to go over your annual review.","start_word":17,"end_word":32,"sentiment":"positive","sentiment_score":0.5137763619422913},{"text":"Is now still a good time for you? Yeah. Mine as well. Yep. Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Mhmm. Yep. Perfect. And just to confirm I am speaking with the right person, I do have a password on file for you. Do you know where that might be? Bonnie. Yeah. Perfect. That's exactly what I have here. And how's your morning been? Been busy? We're just kind of getting started.","start_word":33,"end_word":128,"sentiment":"neutral","sentiment_score":0.110872782766819},{"text":"Very damn thin. He is saying that much at me. It's raining out here on the coast as well today, so not much fun.","start_word":129,"end_word":152,"sentiment":"negative","sentiment_score":-0.3602166771888733},{"text":"Now, Wayne, before I do kind of jump into the under review, I do like to start by asking if there is specific you would like me to focus on or address today or whether just a bit of a catch up and see what's happening? No. Nothing in particular. No. Okay. Perfect. And I do want to just touch base as well. I know that we spoke around October last year, and we talked about advice to switch some of your investments around. Do you remember that? Yeah. Yep. Yeah. So with the investments and stuff, because we never got the signed documents back from you, we were never able to implement it because it did expire, and I think we had a bit of trouble maybe getting in touch with you. So No. I don't what know what happened there because I signed them and sent them the DocuSign runs and sent them back, so they must've got didn't yeah. work Because somewhere in the system. yeah. Because I remember when we had the call, you said you signed on, like, when we were doing it. And I was like, yep. I told the team, and then in their system, there was just nothing that came back. And then, yeah, I think they sold off a couple of times, but it seems like we actually never got it back. So You know, I remember the follow-up. yeah. I didn't worry about it because I knew I'd already done it the first time, Yeah. but, No. Sometimes technology yeah, is great when it works, but frustrating it when it doesn't. must So what have I would like after not this call today is to worked to go and revisit that somewhere. if you are happy with it. Mhmm. Because some of the investments that we were looking at switching you out of, I definitely would like to go ahead and changing that because some of them have underperformed a little bit lately, which is obviously seeing the performance down a little bit. So I would like to do that as soon as possible to kind of get you out of those investments as soon as we can to kind Mhmm. of go back on track for you. So I'll try to make it pretty quick today because we went through a lot of it not too long ago and then kind of book you in and go through the advice again. And then I'll try to make sure that if you're obviously happy with it, that I'll get the document signed so we can process it right away so it doesn't happen again for you. Yep. Yep.","start_word":153,"end_word":600,"sentiment":"neutral","sentiment_score":-0.06358709182157847},{"text":"Perfect.","start_word":601,"end_word":601,"sentiment":"positive","sentiment_score":0.4521475434303284},{"text":"So what I'll do first is just to kind of quickly go through a bit of a fact sign just to see if there is anything major that has changed in your life since we spoke last. So just bear with me as I go through this information here, Wayne. Now when it comes to your personal information, I have you down here as in a de facto relationship and no financial dependents. They're all a little bit older. Is that correct? Yep. Perfect. And has your address or anything changed, or Yep. that's all the same? No. That's that's all we're saying. Yep. All the same.","start_word":602,"end_word":708,"sentiment":"neutral","sentiment_score":0.07456251233816147},{"text":"Beautiful.","start_word":709,"end_word":709,"sentiment":"positive","sentiment_score":0.49352431297302246},{"text":"Now next up, can I have your partner, Colleen, nominated? That's still the case as well? Yep. Yep.","start_word":710,"end_word":727,"sentiment":"neutral","sentiment_score":0.15676842629909515},{"text":"Beautiful.","start_word":728,"end_word":728,"sentiment":"positive","sentiment_score":0.6304504871368408},{"text":"And their phone number hasn't changed, still ends in 355? Yep. Still the same. Yep.","start_word":729,"end_word":743,"sentiment":"neutral","sentiment_score":0.05293833836913109},{"text":"Perfect.","start_word":744,"end_word":744,"sentiment":"positive","sentiment_score":0.46889960765838623},{"text":"And when it comes to your occupation, Yep. I have here kind of two jobs. Your main one for Stellar Resources, in mining. That's still the case as well? You still work there full time? No. Finished airshow. That Finish main job there. is sorta not happening at the moment. Okay. Still still got the the part time on the off fighting, Okay. but Alright. Perfect. So I stopped that one and still doing the part time firefighting. Do you have any plans of doing, like, another mining thing again or just kind of for the time being, the part time firefighting is Mhmm. sufficient. It's it's sort of possible. Yeah. It's sort of just waiting to see what's going on with another mining company at the moment. Yes. Okay. No problem. And with the firefighting, I do have her income of about 25,000. Do you know if that's roughly the same, Yeah. or has Probably that changed? would be. I mean, it varies year to year, of course, season to season, but Yeah. that'll be around Roughly figure the same as of average. yep. Okay. Perfect. And they just pay you that kind of standard Yep. employee contribution just like the normal rules. There's no additional agreements Yeah. or anything. Just standard. Yep. Yep. Perfect. And are you still salary sacrificing as well, or did that kind of change with the when you didn't go to the mining job anymore? No. That that thing is that was only with Stella, so that's finished there Yeah. for the Yep. Perfect. Is that something you are looking at maybe resuming it at? Or this kind moment. of obviously depends maybe with your Oh, job yeah. situation. That'll that'll just depend here how much work Yeah. comes in and how it goes. Yeah. Yeah. No. That's fair. And when it comes to savings otherwise, I had here that last time you were saving about $500 a week. Did that change, obviously, with the work situation for you as well Yeah. and, obviously, Yeah. There's nothing nothing going aside live of spend living spending expenses? it at the moment. Yeah. No. That's especially with all the increasing in living expenses, that's the same for a lot of people. Oh, Now asset wise, I have here that your property last was valued at about 275,000. Is that still the case, or do you know if that's gone up a little bit? look. It's probably going up a bit, but wouldn't have changed that much from last year? Okay.","start_word":745,"end_word":1168,"sentiment":"neutral","sentiment_score":-0.01754996051489077},{"text":"So happy to just kind of leave it the same for now.","start_word":1169,"end_word":1180,"sentiment":"positive","sentiment_score":0.390785813331604},{"text":"Yep. Yeah. And you don't have a mortgage attached to that one, do you? No. Nope. Perfect. I also have here a share portfolio of about 20,000. Let's fluctuate a fair bit, but yeah. We can do Around roundabout that? that. Yep. Yep. Perfect. Also, two motor vehicles abide at about $7,000. Yeah. Still we're floating around that. Yep. Yep. Perfect. And you didn't have anything owing on either of them, do you? No. No. That's perfect. Still a nonsmoker as well? Yep. Perfect. And have you had any significant health issues or injuries or anything in the last twelve months? Mhmm. Nope. Nope. That's great. And do you have private health insurance? Nope. And when it comes to Nope. estate planning wise, I know last time we spoke, you had a kind of on the to do list to get a well sorted. Was that something you had time to do or still kind of on Well, the to do list? I still wanted to do this here. No. That's okay. Now do you know someone that you could organize it through locally, or would you like us to send you some pricing of a firm that we work closely with up here if that would be helpful? Yeah. We've got one likely. We're just You got wanna one get local? around to two on No. That's okay. That is no problem. it. Any other changes? Otherwise, we haven't gone through or kind of all the same. No. Not really. No. Perfect. And when it comes to goals, the stuff that you are working towards or that you are wanting to achieve, When we spoke last year, your your main focus was to do some house renovation, and that was kind of the main focus. Is that still something you are kind of working towards, or did you do Yep. some renovation? Yep. We're working on them at the moment Yep. Perfect. while there's nothing else happening. Yep. No. That's good. And, otherwise, I have here that, ideally, you would like to access super at the age of 65. Is that still kind of the plan? Yeah. I plan to What plan do you to think? do that, and then if it's Yes. later, it's a bunch. Okay. Perfect. You don't think you'd wanna draw an income from super the four sixty five? No. No. Okay. And an ideal income per week, I have here of around $500. Do you think that would still kind of be achievable with living expenses and everything, or do you think you would need to draw a little bit more? No. At the same Leave it at 5 cost. 100. Yep.","start_word":1181,"end_word":1628,"sentiment":"neutral","sentiment_score":0.03646687383297831},{"text":"Perfect.","start_word":1629,"end_word":1629,"sentiment":"positive","sentiment_score":0.3375248312950134},{"text":"Yeah.","start_word":1630,"end_word":1630,"sentiment":"neutral","sentiment_score":0.2910858988761902},{"text":"We're still still running fairly efficiently.","start_word":1631,"end_word":1636,"sentiment":"positive","sentiment_score":0.4377831518650055},{"text":"Yeah. Especially with not having a mortgage as well. It No puts you mortgage. in a pretty No. good position, which No mortgage is and good. no power bills. Yeah. No.","start_word":1637,"end_word":1667,"sentiment":"neutral","sentiment_score":-0.05465984717011452},{"text":"That's that's lovely.","start_word":1668,"end_word":1670,"sentiment":"positive","sentiment_score":0.4152706563472748},{"text":"And when it comes to beneficiaries, sorry, on your super, if something ever were to happen to you, I have a 100% going to your partner at the moment. That's still the case as well? Yep. Yep. Perfect. Now I won't go through that whole risk profile questionnaire with you again because we didn't do it too long ago. But I do wanna just to confirm, has your risk tolerance or anything changed, or are you feeling quite similar through your your growth profile, how your money is invested otherwise, or have you had a bit of a change in how you feel about risk and fluctuations in the market? Not really. I don't think everything No.","start_word":1671,"end_word":1787,"sentiment":"neutral","sentiment_score":0.029556627181591463},{"text":"should've still kicking on the same.","start_word":1788,"end_word":1793,"sentiment":"negative","sentiment_score":-0.3507874011993408},{"text":"I mean, Flucting market's along? gonna fluctuate Yeah. a bit with things going on, but other than that long term look, I don't think it's much different. No. Okay.","start_word":1794,"end_word":1822,"sentiment":"neutral","sentiment_score":-0.13138216733932495},{"text":"Perfect.","start_word":1823,"end_word":1823,"sentiment":"positive","sentiment_score":0.44426751136779785},{"text":"And just as a little recap for you, we do have you invest in a growth portfolio, which is what we were looking at last time as well. I'm just making a little bit of switches to some of your investments, swapping out some of those underperforming a little bit through a couple of other ones that will be a bit more better positioned moving forward with everything going on in the world and especially kind of what's happening since we spoke in October more so. And when we are looking at an asset allocation, we typically see about 80% invested in your growth assets.","start_word":1824,"end_word":1928,"sentiment":"neutral","sentiment_score":0.23744913935661316},{"text":"So that will be things like Australian shares, international shares, property, and commodities as well, and that is ultimately what is going to grow that super for you.","start_word":1929,"end_word":1956,"sentiment":"positive","sentiment_score":0.34441477060317993},{"text":"And then about 20 Mhmm. percent in defensive assets, like your cash, your gold, your fixed interest, you're gonna limit those fluctuations a little bit while still obviously trying to focus on growing it. Does that all make sense, Wayne? Yep. Yep. I wouldn't Yep. mind Perfect. having a lot more sitting in gold at the moment. Well, Yes. done done fairly Do well you in the last couple of years, you know. yes. Now do you because with gold, it's part of the, like, alternative assets, so we do have it in your portfolio. If it is something you want to increase, I can consider that as part of the reset. Uh-huh. I The I only I thing think would I think at the moment, it's just leave it as it is. So I think yep. gold's done pretty well recently, but I think it's leveling at the moment. Ex And exactly. it's And then just gotta also reach if a it point at some point where it can't keep going. exactly. Exactly. And then if we put too much in it, you don't wanna be over in one area as well. And then also wanna make sure we have a good diversification. So I'll have a look at it. And if it's still looking good, we'll kind of leave it as is in terms Yeah. of Yeah. how much Yeah. Yeah. you have. And just from a time frame point of view, growth portfolios would typically see about 60 at your retirement. So you are still in a good position from a time frame in that high growth in the growth portfolio, sorry, by having that time frame to about 65 at least. Mhmm.","start_word":1957,"end_word":2242,"sentiment":"neutral","sentiment_score":0.12294631167412638},{"text":"So happy with that.","start_word":2243,"end_word":2246,"sentiment":"positive","sentiment_score":0.5019521713256836},{"text":"We will leave you in your growth portfolio. Now, Wayne, do you have access to your emails at the moment? Yep. Yep.","start_word":2247,"end_word":2268,"sentiment":"neutral","sentiment_score":0.15316267311573029},{"text":"Beautiful.","start_word":2269,"end_word":2269,"sentiment":"positive","sentiment_score":0.562483549118042},{"text":"So what I have done is I have just sent you an email with some documents just for the review today. And then like I said, I will go and do just that updated advice piece for you just to make sure the advice we did in October is still So appropriate or if we need to make any further changes. And that will kind of go through your portfolio and everything in a little bit more detail again. But, otherwise, did that email come through okay? I even slow on my email. No. That's okay. Just It just hasn't sometimes come through goes yet. But it sometimes goes to spam as well because we have this change to software. yeah. It usually comes through. This just always seems to be a few minutes delay No. on That's my system, okay. because I don't know why. Probably just because it's a nonstandard email system. Yeah. Maybe. Are you happy for me to kind of go through a little bit of the documents while we wait for that to come through for Yeah. you? Yeah. Might as Yep. well.","start_word":2270,"end_word":2457,"sentiment":"neutral","sentiment_score":-0.002138138748705387},{"text":"Perfect.","start_word":2458,"end_word":2458,"sentiment":"positive","sentiment_score":0.462647020816803},{"text":"I was trying to resend it as well because sometimes it is when the weather is a bit iffy, sometimes it does take a little bit longer. So just let me know if it does come through. Otherwise, when it does come through for you, you will see a couple of attachments. Now that is before you click on the link where it says sign now, you will see a couple of attachments added. Now what you will see is an updated financial services guide. That is one of those compliance documents. We went through it last year, but it's just a bit of an updated version. So all the important information in regards to us is in there for you. This we've had a bit of an update to marketing and a bit of an extension to the team. So if you do wanna have a bit of a read through that at your own time, that's all in there. Mhmm. Now you also have their Vanguard index chart. Again, just an updated version because they do release one every year. So this one here is now updated from 1995 through 2025. Again, just kind of showing you the the the market trends and what happened what has happened in the world since then. But, basically, when you do have a look at it, you will see that the market in the long term always goes up, like you said, as well. The short term, there will be some ups and downs in market fluctuations. Now you will also have a super summary, and that shows you your current balance in net wealth. So you do have your super in net wealth, and you do have about 209,833 in there. And we don't have any insurances for you. Now are you still happy to not have a comfortable without any insurances as well? Yep.","start_word":2459,"end_word":2773,"sentiment":"neutral","sentiment_score":0.08090653270483017},{"text":"Yep. Beautiful. Now you will also have a asset performance report just showing you your investments again.","start_word":2774,"end_word":2790,"sentiment":"positive","sentiment_score":0.4264980852603912},{"text":"But like I said, I'll do some more research on the investment again and redo that advice for you to see if we can swap out some of those investments for you, making sure that we do have you in the best position for your retirement. And then the last thing is if you're happy to do so, it will then just be to sign two documents. Now has that come through for you yet at all there, Wayne? Still not yet, but that's not unusual with this old Okay. hand hand crank system. Okay.","start_word":2791,"end_word":2885,"sentiment":"neutral","sentiment_score":0.15366396491268747},{"text":"Perfect.","start_word":2886,"end_word":2886,"sentiment":"positive","sentiment_score":0.4470219016075134},{"text":"Let me just see here because, yeah, it says it's been sent on my end. So it might just take a a couple of minutes or Yeah. so. With So the just with keep a with lookout.","start_word":2887,"end_word":2923,"sentiment":"neutral","sentiment_score":0.07009866833686829},{"text":"all this crap weather, the courier system run a bit slow.","start_word":2924,"end_word":2934,"sentiment":"negative","sentiment_score":-0.3993995785713196},{"text":"It does. When it does come through, and if you're happy to do so when you have a moment, I will just need you to sign two documents. One will be just a tax file number form. It's just a compliance form to say we are keeping your tax file number secure and safe on file. And the other one, it is just your ongoing service agreement.","start_word":2935,"end_word":3001,"sentiment":"neutral","sentiment_score":0.20990325510501864},{"text":"And that is just to say that you are happy to stay on as the client.","start_word":3002,"end_word":3017,"sentiment":"positive","sentiment_score":0.5446197986602783},{"text":"There is no changes whatsoever in regards to the fee structure there for you, Wayne. It stays exactly the same at 1.65 from superannuation. No changes in regards to that, and it is not a locking contract. So if at any point in time, if you are not happy, it is not a locking contract, but that just lets us service your account and manage everything for you in the meantime. Does that all make sense? Yeah. Yep.","start_word":3018,"end_word":3095,"sentiment":"neutral","sentiment_score":0.08374549448490143},{"text":"Perfect.","start_word":3096,"end_word":3096,"sentiment":"positive","sentiment_score":0.5100693702697754},{"text":"Do you have any questions for me in regards to anything we went over today or pretty straightforward? No. It all all makes good sense. Oh, pretty straightforward? Okay.","start_word":3097,"end_word":3125,"sentiment":"neutral","sentiment_score":0.2445841133594513},{"text":"Perfect.","start_word":3126,"end_word":3126,"sentiment":"positive","sentiment_score":0.5205179452896118},{"text":"So like I said, what I will do is I will go and update that advice piece for you that we kind of went through at the end of last year just to make sure it's all up to date if we need to make any other changes to the investment.","start_word":3127,"end_word":3177,"sentiment":"neutral","sentiment_score":0.278250515460968},{"text":"And then I'll go through them with you again just to make sure you are happy with it, and then we can go ahead and make those investment changes for you.","start_word":3178,"end_word":3208,"sentiment":"positive","sentiment_score":0.3969485461711883},{"text":"We do wanna see if we can swap you out of of a a couple that was underperforming and making sure that we have you in the best option. So when is a good time for you, for me to give you a call and go through that research again with you? Any any any day at the moment, but sort of morning's better. Morning. But around this time? Yep. Yep. Yep. Okay. Let me have a look. Now I could do I could do this time again on Wednesday, June 10, so in two weeks. Would that work for you? Yes. Yep. Yes.","start_word":3209,"end_word":3312,"sentiment":"neutral","sentiment_score":0.12775620818138125},{"text":"Alright. Perfect. Now I will book that in on Wednesday, the tenth, same time as now for you. I'll give you a call and go through that research, talk a little bit more about your investment portfolio and potential changes with you.","start_word":3313,"end_word":3354,"sentiment":"positive","sentiment_score":0.425644963979721},{"text":"It shouldn't take too long because we've kind of touched on that before. And then I will make sure with IT that we get it back this time, and we can get it sorted so we don't have the same issue for you. Do you have any questions or anything else from me otherwise before I let you go and enjoy the rest of your morning? Not unless you know there's a way to change your email without losing everything for the next twelve months. No. The I don't know if there that you can, like I think sometimes you can forward. Like, you can set up another email, and you can do, like, a a forward request. So everything that goes into your old email is automatically forward onto a new one. How you do that, I have no idea. I'm not super tech savvy either, but I think you can potentially do that. Are you looking at changing your email? Yeah. Well, my system was many years ago. I used to be an Internet reseller here in Tassie, and I set up an Internet email based on that. The tub was that company's been unsold and unsold and went through eventually to iNet, and then iNet decided to unsell all their weird emails that addresses out to the messaging company.","start_word":3355,"end_word":3576,"sentiment":"neutral","sentiment_score":-0.052724439650774},{"text":"And it's just each time it goes to a new company, it gets slower and less reliable, but the price goes up.","start_word":3577,"end_word":3598,"sentiment":"negative","sentiment_score":-0.4562356770038605},{"text":"Oh, yeah.","start_word":3599,"end_word":3600,"sentiment":"neutral","sentiment_score":-0.21211014688014984},{"text":"And That's not it's good. sorta it's like they know they've got you trapped in the system because it's hard to change a main email address.","start_word":3601,"end_word":3626,"sentiment":"negative","sentiment_score":-0.407677948474884},{"text":"Yeah. Yeah. It is painful unless you set up, like, a new one and then, like, gradually go That's through it. and Just change slowly them. slowly transfer everything over. Yeah. Yeah. Which is slightly painful.","start_word":3627,"end_word":3662,"sentiment":"neutral","sentiment_score":-0.15841205418109894},{"text":"But then maybe by the time you have done it, it will obviously make your life easier moving forward.","start_word":3663,"end_word":3681,"sentiment":"positive","sentiment_score":0.3463655114173889},{"text":"It's just a bit of a bit of a painful thing in the interim. If you do go ahead and change it, just let us know. We can always get everything updated for you. But I will leave it for now, obviously, until the tenth. And then if you do, like I said, yeah, add new email and you want us to update the record or anything with that as well, we can always do that for you. Yeah. Yep. Anyway, yep. No. That's all Yep.","start_word":3682,"end_word":3767,"sentiment":"neutral","sentiment_score":0.05076827853918075},{"text":"good.","start_word":3768,"end_word":3768,"sentiment":"positive","sentiment_score":0.367969810962677},{"text":"I'll be No problem assisting at all. for now. Okay. Yeah. Yeah. No. Just one I of those I things will I left to just you bought Yeah. the bullet at some stage soon and start changing. But, yeah, maybe have a look too because I think, yeah, there might be a way that you can forward on. So similar to what you can do, like, you know, if you move the address, that you can have, like, a a forward of a post. I have read somewhere you could pretend to do that with an email address. But but, yes, I'm not exactly sure how to do how to do that.","start_word":3769,"end_word":3880,"sentiment":"neutral","sentiment_score":0.017710011452436447},{"text":"It's a it's a So, miserable wet day.","start_word":3881,"end_word":3888,"sentiment":"negative","sentiment_score":-0.3374944031238556},{"text":"It might be a good day for research. yes, hopefully, you find something. If you do, let me know. I will let you go, Wayne.","start_word":3889,"end_word":3913,"sentiment":"neutral","sentiment_score":0.13646727800369263},{"text":"Thank you so much for your time this morning, and I will give you a call on Wednesday, the tenth, to go through your e investments and potential changes with you. Beautiful. Sounds good. Yep. No problem at all. Okay. Well, thank you so much, and I look forward to speaking with you in a fortnight. Okay. Thank you. Talk to you then.","start_word":3914,"end_word":3976,"sentiment":"positive","sentiment_score":0.6050190329551697},{"text":"Talk then. Bye. Bye.","start_word":3977,"end_word":3980,"sentiment":"neutral","sentiment_score":0.14027008414268494}],"average":{"sentiment":"neutral","sentiment_score":0.05881713844142321}}}}