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Is now still a good time for you? Yeah. Okay. 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. Perfect. And just to confirm I am speaking with the right person, could I just get you to please confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. That's exactly what I have here. How's your day been? Been busy? Yeah. Do you have much to do for the rest of the afternoon? Perfect. Oh, that's good. Well, I will try not to keep you for too long, Tony. Before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or any questions or anything that you have, or is it just a bit of a catch up and see where where everything's at? Yeah. Perfect. So what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in in your life and if we need to make any changes for the advice at all. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as single with true financial dependents. Is that correct? Okay. Yep. Yep. Yep. Okay. So two children, but one financial dependent, essentially. Yep. Perfect. Now I have here next of kin your mom, Carolyn, nominated. Is that still okay? Yep. Perfect. And her phone number hasn't changed recently, still ends with 804? Great. Perfect. Now when it comes to occupation, has any of that changed or still working as a storeman? Perfect. I do have here that you work full time and income of around 70,000. Okay. Do you know roughly how much? 60? Yeah. Sixty five. That's okay. I'll do 62 to 65. Does it vary do you do, like, overtime or anything like it, or is it okay. Yep. Yep. Yep. Okay. Perfect. So about 65 ish. 62 to 65. I have here expenses per week about 700 and savings about $1.50 a week. Does that sound about the same? Yeah. Perfect. Otherwise, I have here that your employer makes, like, that standard 12% contribution into super, and you're not making any additional ones yourself, just that from your employer? Yeah. Perfect. Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 14,000 with nothing owing. Is that correct? Perfect. Any other assets, savings in the banks, motorbikes, boats? No. Alright. Perfect. Do you have any other liabilities, like personal loans or credit cards or SIP pay? No. No. Perfect. And health and lifestyle wise, are you a smoker or a nonsmoker? Nonsmoker. Perfect. And in the last twelve months, did you used to be a smoker or always been a nonsmoker? Oh, yes. Perfect. And when would you say was the last time you had any nicotine, any or vaping or cigarettes or chewing gum or anything like that? Six months. Okay. Perfect. The reason I do ask let me just pull up your insurances is that from the insurance point of view, if it's been twelve months since you last had any anything, so whether that's a vape or cigarettes or anything like that, if it's been twelve months, they can classify you as a nonsmoker, which will mean that your insurance premium will get quite a bit cheaper. So, yeah, so what I might do is I'll leave a little note here because I just looked at your insurance policy, which we will go through shortly, is that on your AIA policy, you are currently a smoker. So what I can do is if it's been about six months, I can put a little reminder for the team to give you a call in about six months because that would then be the twelve month mark, and we can look at removing that smokers rate for you. Yep. So Yeah. Yeah. So I'll make that little note, and we can kind of get that sorted, which, yeah, which will reduce the premium quite a bit. So that's good. Alright. Perfect. Otherwise, any changes to your health or medications or anything otherwise? Yep. Okay. Perfect. But no, like, changes otherwise in anything. Just kinda yep. Perfect. Now estate planning wise, I have here that for your beneficiaries, so if something were to happen to you, you have a 50% nominate nomination to Alexa and 50 through. That's correct? Perfect. And they are both your children? Yes. Great. Do you otherwise have a a will in place or power of attorney or anything like that? No. That's okay. No. That's okay. But you don't have anyone who makes the otherwise financial decisions for you or earn an income overseas or politically exposed at all? That's great. Perfect. Now the other thing is kind of, I guess, goals that you're working towards that you are wanting to achieve. So last time when we spoke to you during the annual review, you kind of mentioned that in the next few years, your main focus was to potentially buy a new car and to kind of continue building up a bit of a cash buffer to kind of have that ease, you know, this ever a rainy day or you need anything. Is that still kind of your main focus for, you know, the short interim, or has any of that changed? Mhmm. Yeah. And yeah. Yeah. Perfect. Sorry about the long term. Yeah. No. It's still a good goal, though. Looking to buy a house. Is there anything else that you're working towards otherwise or that you're wanting to achieve, or that's kind of your main main focus? Yep. Perfect. Now the next thing I do wanna run over with you, Tony, it is just an updated risk profile questionnaire just to see if there's anything that has changed in your risk tolerance or if you want to make any changes at all. So just kinda bear with me again as I go through this. It is just multiple choice to make it nice and easy, and there is no right or wrong answer. Now have you ever bought direct shares? Bought direct shares on the stock market yourself? Have you ever done any of that personal investing? No. No. Perfect. And in terms of superannuation as well, are you still kind of looking at retiring around age 67, or do you think you wanna retire a bit earlier? Yeah. And in an ideal world, would you when would you want to start drawing an income from your super? Around 60 five. Yep. Perfect. And an ideal income would be about a thousand dollars per week, or do you think any of that's changed? Will that cover expenses? Yep. Yeah. Perfect. And, otherwise, I guess, when it comes to superannuation, is your main focus to just make sure that it continues to grow for your retirement and that you do wanna get, you know, continuous updates on what kind of occurring in regards to your superannuation. Would you say that's through your super goals? Yes. Perfect. Now the next thing is in regards to how much risk you are willing to take in regards to your superannuation to make sure that it continues to grow above, you know, inflation and rising prices and stuff like that, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk in order to try to make sure that it continues through to increase and go up? Moderate? Yep. Perfect. And in regards to volatility, sorry. How would you feel if in six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in the market? Now would you wanna take advantage of that if you had the option to do so by thinking that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral, just hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you're selling when the prices have dropped? Yep. Perfect. Yeah. Just leave. And if you ever saw your superannuation or any assets ever fall in value, how would you say that make made you feel? Would you say optimistic about potential future investment opportunities, a bit more cautious, not making further investments, concerned, or highly anxious? Concerned. Yep. Okay. And last one here is, would you ever consider taking out a loan to invest personally in, like, direct on the stock market? Would you ever consider taking out a loan to invest in the stock market? No. Would you ever consider taking out a loan to buy an investment property? No. Sorry. Would you consider taking out a loan to buy a property for yourself to live in? Yep. Perfect. Now that tells me here, Tony, that you have come out as a a balanced growth investor. Now at the moment, we have you invested in a high growth portfolio. So there is a bit of a difference in terms of how your risk appetite has come out right now in terms of how we have you invested. So do you know the difference between more like your balance growth and your high growth investor at all? No. So for a high growth, for example, which you which is how you are invested at the moment, It is tailored for for clients who want to get as much growth as you possibly can out of superannuation while you do have the time, but you're also prepared to experience a higher level of fluctuation in order to achieve that growth. Now when we are talking about an asset allocation point of view, so what I might actually do here is do you have access to your emails, Tony? Okay. Perfect. So I just sent you an email, and sometimes this makes it a bit easier. If you can access your emails for me. Yep. Now we have this change of software, so it might look a little bit different to what you are used to. But before you click on the link where it says sign now, you should see at the bottom of the email a couple of attachments. Can you see those? Yep. Now can you see one where it says 2025 Vanguard index chart? Yeah. Could you open that one for me? Yes. So this is a it's a good visual representation of what we are talking about when we're talking about the market. And when we're referring it back to the different risk profiles, it is good in terms of this breaking down the different asset classes. So going back to a high growth portfolio, which is how you're invested right now, you have about 90% in what we would classify your growth asset. So that would be, if you look at this graph, the top four. So The US shares, Australian shares, international shares, and property. Now this graph here takes you back to 1995 through to 2025. Over the long term, you can see the market always goes up. The short term, there will be ups and downs and market fluctuations. The more growth you have, the most of sorry. The more growth assets, the higher fluctuation, but then on a long term, you see a higher growth. So at the moment, 90% is in those top 10% in defensive, which will be your bottom three. A gold of stuff can also sometimes fall into this category, and these are the ones that's kinda, like, stabilized. You can see that they are still growing, but a lot less, but they're a lot more stable. So a balanced growth, which is kind of how you came out at the moment, is a more social client that wants some growth out of their superannuation while you are still working and contributing, but you also want a conservative element to your portfolio. In terms of and percentage of this one, you have a seventy thirty. 70 in the top, yeah, 30 in the bottom. Now we also have one that's in between these two, and that is a growth one. So a growth is in between where you have about an eighty twenty. So you have 80 in the top, 20 in the bottom. And it's kind of one step down from where you are right now in terms of a high growth, but a little bit more than you're a little bit more defensive. So when we are also looking at a time frame, so we wanna make sure that looking at this through, you have enough time in the market, all those fluctuations to come back around. In a high growth, we wanna say a minimum of eight years to retirement, growth, six years, balance growth, five years. But it also comes down to what you are comfortable with. So from those, is there any of those three that you feel more aligned with your values and how you feel? The top one? So okay. Yes. So are you happy with seeing the 90 the ninety ten, or do you feel more the eighty twenty? The ninety ten? Okay. Perfect. So the way that you are at the moment, even though I know that some of the questions for you were that you would feel a little bit more concerned, you would still be comfortable as long as long term, it's not obviously every year. Like, as long as long term, it continues to go up, you understand that if you are in a high growth, you will have some yes not so good, but then other yes really good. That's okay. Exactly. You have plenty of time. Okay. Perfect. Now from that, I'm happy to leave you in a high growth portfolio because, yeah, you do have plenty of time as long as yeah. Obviously, you understand that throughout time, there will be some ups and downs. Some years will be really, really good, and some, you know, slightly less, but it's also how we then construct and diversify your portfolio to try to minimize that. So we will leave you in a high growth. Now as we are talking about your portfolio, actually, if you go back to the email, you will then see one where it says a twelve month, hub 24 IRR. Can you see that? Yep. Perfect. If you wanna open that one for me. Yep. Now this one can look a little bit messy, but it basically breaks down all your investments and how they have performed and what's happened in the last twelve months. So I kind of touched on it briefly, but the last twelve months, we've obviously seen a bit of fluctuations in the market. So first, you had obviously everything in The US with Trump and the tariffs and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuations in the last twelve months. Despite that, though, your portfolio has still overall held up pretty good. So in the last twelve months, after fees or after all fees have come out of your account, your portfolio is still up, and it's up by about 6.73%, which is not too bad, yeah, given what's happened in the market. Now on that as well, you can see if you scroll through yeah. On the first page here, you can see on the second column to the right where it says the internal rate of return. Can you see that? Yep. Now this is how your individual investment has performed. So the ones in the brackets are down. The other ones are positive. So you can yeah. It's insane. And that's your Global X battery tech and lithium. Obviously, fuel prices moving to electric vehicles and the batteries and stuff like that. That one has gone through the roof. So that one has been crazy. Yes. You can also see Asia, the Asia 50, then about 72%. But you can also see that the way that your portfolio is constructed is they balance each other. So there'll be some areas where not doing as well where other areas are doing really well. So, obviously, as things do happen in the world and the market, you won't have as much of an impact because you'll kind of negate each other in a in a way. One thing I do wanna highlight is we obviously do a lot of research on your investments all the time, and we wanna make sure that at all points in time, we have you in the best options possible, and things are ever changing. So we've done a lot of research at the moment on your top one, which is the Benelong Australian Equity. And this is one that's down at the moment. So when you came on board and up until quite recently, it's done really, really well. It was one of the top performing fund managers, and the function behind that one investment is to kind of actively buy and sell different investments in order to kinda outperform the market. Now more recently, they've been a little bit slower in terms of making those decisions, and they've kind of underperformed a little bit. So what I would like to do, if you are happy for me to do so, is to do a little bit more in-depth on that investment and put together a proposal to see if we can swap this one out something else that's going to do a little bit better for you moving forward. Would you be happy for me to do that? Yep. Yep. Perfect. Now it will take me about a week or so to put together the research. I will then put together a proposal for you, go through it with you, and then you can let me know if you are happy with the change. So when is typically a best time for you to to go through that, Tony? Okay. Let me have a look. So about 03:00. Now let me have a look because in our afternoon's still up very, very quickly. Let me see. Now I could do 3PM on Tuesday, May 12 Going about Would that would that work? Yeah. Okay. Perfect. So I will book that in. Now if anything does change and you can't make the appointment or work or anything, just let me know, and I'll see if I can shuffle a few things around for you. Would you like a reminder text sent, like, two hours before in case, you know, something happens or you forget? Yeah. Yeah. Perfect. I'll do that. But, otherwise, as a whole, like I said, it's done pretty good considering the last twelve months. So happy with that. Now if you wanna go back to your email for me and if you wanna open the one where it says super and insurance summary, if you could open that one for me and let me know if you can see that. Yep. Perfect. Now you can see here that you obviously have your superannuation with HUB24. You can see that you do have about $78,614 in there. And then underneath that, you can see your insurances. So with your insurances, you have life and total permanent disability. Now you do have 551,250 worth of life and TTD. Are you still happy with those level of coverage? Do you still think that would meet, you know, your needs if something were to happen and you can't work? Yep. Yep. Yeah. And because you don't have any debts, you don't have to worry about, you know, clearing out any outstanding debt or credit cards or personal loans or anything. So that would mainly be, obviously, if you can't go back to work, a bit of a lump sum to help, obviously, assist with, if you can't go back to work, if if you ever were to become TPD or, obviously, life insurance is sent for for your children if something were to happen. There's also your super on top of that if something ever were to happen. And with your income protection, that will be a monthly amount of $4,667 per month. You have a thirty day waiting period and a five year benefit period. Are you still happy with that level of cover and everything like that as well? Correct. Now now the way that the income, yeah, the way that the income protection does work, which I do wanna flag with you, is that it is a percentage of your income at the time of claim. So it is 70% of your income you can be covered full. So something to be mindful of is because your income has slightly decreased, not by a lot, but still a little bit, what would happen is if you were to go and claim tomorrow, so let's say 65,000, 70% of that on a monthly basis is 3,791. Even though, yeah, even though you're paying for 4,667, if something were to happen tomorrow, you could only get 3,791. Yep. So there are two options. We can look at reducing it for you, so reduce it to match your current income. It will make the premium a little bit cheaper. The only thing I do wanna stress is that if anything were to change with your income and your income was to go up, what would happen then is if you wanted to go and increase your cover again, it might be a little bit difficult. For the insurance point of view, it's super easy to decrease. It's just a quick form. They take on less risk. They're happy. If you wanna increase it so let's say we do decrease it to $3.07, and then in a year's time, you go, no. My my income has gone up. I'm now I now wanna up it. What would happen then is we would have to go through that whole underwriting process again, and then insurers will assess your risk. And if anything has changed with your health or anything or if you take up a super risky occupation or a hobby or anything, there is a chance that they might decline it or put restrictions on it. So it's ultimately up to you if you think that your income will potentially go up with time, we can leave it as as long as you know that if something were to happen tomorrow, you are technically paying for a little bit more than you can get. What are your thoughts on that? Yes. Yes. I I agree. I think I think it's better to be slightly over insured if especially with income income tax, especially if you do think that, you know, you might get little pay increases here, there, or things change. If you were to say, no. I'm I'm dropping my hours, and I'm gonna have less and less income, especially, like, as you get older, then we can look at reducing it. But I think at the moment, it's good. And then once we do yeah. And then once we do get rid of those smokers right for you in about six months, then that will significantly reduce the premium altogether as well. Yep. Great. Perfect. Now, otherwise, you will see in the email, you will see where two documents were assessed, COC. Can you see that? Let me just open it now. That is just your insurance broken down in a little bit more detail for you. So you will have one that just breaks down your life and your total permanent disability. It just lets you know that everything is paid and up to date, and then one is that income protection for you. Yep. Yep. Yeah. The only way you can usually it's you can see product name, and then so that usually tells us what it is. And then, also, you can see, like, policy type. So it's quite easy for us to see, but, yes, you can basically if you scroll down, you can even see on the one where it ends with nine four four, you can see where it says income income protection occupation group. So that's an income protection. The other one is your life and TKD. But it's not much you have to worry about, but just basically, it's there for your reference. And, yeah, everything is paid and up to date for you. Yep. Perfect. Now the other two documents you will see is your financial services guide version four, and then you also have the Oakview services guide version one. If you want through so the financial services guide version two is just kind of like a a smaller version, which is some important information. It's similar to what you have been sent before, just a bit of an updated version. But if you wanna open the OTU services guide version one for me. Yep. Now, again, you probably have seen a couple of these. Had some changes. None of the important information has changed. It's all the same. But everything that you do need to know is in there for you. As you scroll through as well, you will actually see we've had a bit of an extension to the team, which is good. And if you want to scroll down to page let's see here. 10. Yep. You will see a photo of myself there, and sometimes it is nice to put a face to the voice. Yeah. But yeah. Yeah. Exactly. Now the last thing here, Tony, is if you're happy to do so, if you wanna click on the link where it says sign now, it will just ask you to sign through documents. Now the first one it should ask you to sign is an ongoing service agreement. Can you see that? Yep. No. That's okay. Let me see. It may have been yep. Sorry. It looks like you already signed it, which is great, but I do wanna just let you know what you signed. So there was two documents. One was their ongoing service agreement. Now that is just to say that you are happy to stay on a sick claim. Now there is no changes in regards to the advise fee. It stays exactly the same at 1.65 from Super. It is not a lock in contract at any point in time either. So if there's ever a situation where you're not happy, it is not a lock in contract. So this essentially just lets you, you know, service your account and everything in the meantime. And it is something you do have to sign every year just to make sure you are happy with everything. And then the second one was just a tax file compliance form just to say that we are keeping your tax file number secure on file. Now everything is also then saved to your folder as well. So it should allow you to download something if you wanted to, or does it say what can you see on your side? Yeah. So if it is there, you have access to download them. If not, I always have a copy on file. So if you ever want a copy or anything of of any of those documents, I have a copy on file for you. Otherwise, I have you booked in on Tuesday, May 12 at 3PM to go over the research and those investment changes for you. Do you have any other questions or anything else for me otherwise before I let you go this afternoon? Okay. Let me have a look. Is that the one where it said there on which document was that? Just so I can let the team know. Alright. Let me have a look. 3328. Yes. I can see that. Let me check what's in your account because, usually, it's pulled directly from from hub. Have you recently changed phone numbers at all? Okay. Let me see. Just what's on your account. Because this pulls it directly from your hub twenty four, and they need to match in order for us to do it. So let me have a look here. Yes. Okay. So I can see that the contact details on your hub twenty four has your old mobile. So what we'll do is if you have it for us to do so, we can still submit the one that you've just signed because it matched. So hub twenty four will verify it. But I will make a note through as soon as that's been verified. I will let the admin team know to go and update your phone number to the one I'm calling through right now. And if you yeah. And if you do jump in to Hub twenty four yourself, you will also see that once that's been authorized and processed, you will see that change in contact details in hub twenty four for yourself. But I will let the team know to go and update that for you. Yeah. Perfect. No worries. Thanks for letting me know. That was very good attention to detail. Any other questions before I let you go? No? Yep. Beautiful. If you think of anything or have any other questions, let me know. But, otherwise, I look forward to speaking with you on Tuesday, the twelfth. No problem. You too. We'll speak soon. Okay. 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afternoon. Is this Toni? Sure. Yeah. Is this Tony I'm speaking with?\n\nThis is Veronica from Financial. How are you? Good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nYeah. Okay. 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. Perfect.\n\nAnd just to confirm I am speaking with the right person, could I just get you to please confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. That's exactly what I have here.\n\nHow's your day been? Been busy? Yeah. Do you have much to do for the rest of the afternoon? Perfect.\n\nOh, that's good. Well, I will try not to keep you for too long, Tony. Before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or any questions or anything that you have, or is it just a bit of a catch up and see where where everything's at? Yeah. Perfect.\n\nSo what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in in your life and if we need to make any changes for the advice at all. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as single with true financial dependents. Is that correct? Okay.\n\nYep. Yep. Yep. Okay. So two children, but one financial dependent, essentially.\n\nYep. Perfect. Now I have here next of kin your mom, Carolyn, nominated. Is that still okay? Yep.\n\nPerfect. And her phone number hasn't changed recently, still ends with 804? Great. Perfect. Now when it comes to occupation, has any of that changed or still working as a storeman?\n\nPerfect. I do have here that you work full time and income of around 70,000. Okay. Do you know roughly how much? 60?\n\nYeah. Sixty five. That's okay. I'll do 62 to 65. Does it vary do you do, like, overtime or anything like it, or is it okay.\n\nYep. Yep. Yep. Okay. Perfect.\n\nSo about 65 ish. 62 to 65. I have here expenses per week about 700 and savings about $1.50 a week. Does that sound about the same? Yeah.\n\nPerfect. Otherwise, I have here that your employer makes, like, that standard 12% contribution into super, and you're not making any additional ones yourself, just that from your employer? Yeah. Perfect. Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 14,000 with nothing owing.\n\nIs that correct? Perfect. Any other assets, savings in the banks, motorbikes, boats? No. Alright.\n\nPerfect. Do you have any other liabilities, like personal loans or credit cards or SIP pay? No. No. Perfect.\n\nAnd health and lifestyle wise, are you a smoker or a nonsmoker? Nonsmoker. Perfect. And in the last twelve months, did you used to be a smoker or always been a nonsmoker? Oh, yes.\n\nPerfect. And when would you say was the last time you had any nicotine, any or vaping or cigarettes or chewing gum or anything like that? Six months. Okay. Perfect.\n\nThe reason I do ask let me just pull up your insurances is that from the insurance point of view, if it's been twelve months since you last had any anything, so whether that's a vape or cigarettes or anything like that, if it's been twelve months, they can classify you as a nonsmoker, which will mean that your insurance premium will get quite a bit cheaper. So, yeah, so what I might do is I'll leave a little note here because I just looked at your insurance policy, which we will go through shortly, is that on your AIA policy, you are currently a smoker. So what I can do is if it's been about six months, I can put a little reminder for the team to give you a call in about six months because that would then be the twelve month mark, and we can look at removing that smokers rate for you. Yep. So Yeah.\n\nYeah. So I'll make that little note, and we can kind of get that sorted, which, yeah, which will reduce the premium quite a bit. So that's good. Alright. Perfect.\n\nOtherwise, any changes to your health or medications or anything otherwise? Yep. Okay. Perfect. But no, like, changes otherwise in anything.\n\nJust kinda yep. Perfect. Now estate planning wise, I have here that for your beneficiaries, so if something were to happen to you, you have a 50% nominate nomination to Alexa and 50 through. That's correct? Perfect.\n\nAnd they are both your children? Yes. Great. Do you otherwise have a a will in place or power of attorney or anything like that? No.\n\nThat's okay. No. That's okay. But you don't have anyone who makes the otherwise financial decisions for you or earn an income overseas or politically exposed at all? That's great.\n\nPerfect. Now the other thing is kind of, I guess, goals that you're working towards that you are wanting to achieve. So last time when we spoke to you during the annual review, you kind of mentioned that in the next few years, your main focus was to potentially buy a new car and to kind of continue building up a bit of a cash buffer to kind of have that ease, you know, this ever a rainy day or you need anything. Is that still kind of your main focus for, you know, the short interim, or has any of that changed? Mhmm.\n\nYeah. And yeah. Yeah. Perfect. Sorry about the long term.\n\nYeah. No. It's still a good goal, though. Looking to buy a house. Is there anything else that you're working towards otherwise or that you're wanting to achieve, or that's kind of your main main focus?\n\nYep. Perfect. Now the next thing I do wanna run over with you, Tony, it is just an updated risk profile questionnaire just to see if there's anything that has changed in your risk tolerance or if you want to make any changes at all. So just kinda bear with me again as I go through this. It is just multiple choice to make it nice and easy, and there is no right or wrong answer.\n\nNow have you ever bought direct shares? Bought direct shares on the stock market yourself? Have you ever done any of that personal investing? No. No.\n\nPerfect. And in terms of superannuation as well, are you still kind of looking at retiring around age 67, or do you think you wanna retire a bit earlier? Yeah. And in an ideal world, would you when would you want to start drawing an income from your super? Around 60 five.\n\nYep. Perfect. And an ideal income would be about a thousand dollars per week, or do you think any of that's changed? Will that cover expenses? Yep.\n\nYeah. Perfect. And, otherwise, I guess, when it comes to superannuation, is your main focus to just make sure that it continues to grow for your retirement and that you do wanna get, you know, continuous updates on what kind of occurring in regards to your superannuation. Would you say that's through your super goals? Yes.\n\nPerfect. Now the next thing is in regards to how much risk you are willing to take in regards to your superannuation to make sure that it continues to grow above, you know, inflation and rising prices and stuff like that, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk in order to try to make sure that it continues through to increase and go up? Moderate? Yep. Perfect.\n\nAnd in regards to volatility, sorry. How would you feel if in six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in the market? Now would you wanna take advantage of that if you had the option to do so by thinking that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral, just hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you're selling when the prices have dropped? Yep. Perfect.\n\nYeah. Just leave. And if you ever saw your superannuation or any assets ever fall in value, how would you say that make made you feel? Would you say optimistic about potential future investment opportunities, a bit more cautious, not making further investments, concerned, or highly anxious? Concerned.\n\nYep. Okay. And last one here is, would you ever consider taking out a loan to invest personally in, like, direct on the stock market? Would you ever consider taking out a loan to invest in the stock market? No.\n\nWould you ever consider taking out a loan to buy an investment property? No. Sorry. Would you consider taking out a loan to buy a property for yourself to live in? Yep.\n\nPerfect. Now that tells me here, Tony, that you have come out as a a balanced growth investor. Now at the moment, we have you invested in a high growth portfolio. So there is a bit of a difference in terms of how your risk appetite has come out right now in terms of how we have you invested. So do you know the difference between more like your balance growth and your high growth investor at all?\n\nNo. So for a high growth, for example, which you which is how you are invested at the moment, It is tailored for for clients who want to get as much growth as you possibly can out of superannuation while you do have the time, but you're also prepared to experience a higher level of fluctuation in order to achieve that growth. Now when we are talking about an asset allocation point of view, so what I might actually do here is do you have access to your emails, Tony? Okay. Perfect.\n\nSo I just sent you an email, and sometimes this makes it a bit easier. If you can access your emails for me. Yep. Now we have this change of software, so it might look a little bit different to what you are used to. But before you click on the link where it says sign now, you should see at the bottom of the email a couple of attachments.\n\nCan you see those? Yep. Now can you see one where it says 2025 Vanguard index chart? Yeah. Could you open that one for me?\n\nYes. So this is a it's a good visual representation of what we are talking about when we're talking about the market. And when we're referring it back to the different risk profiles, it is good in terms of this breaking down the different asset classes. So going back to a high growth portfolio, which is how you're invested right now, you have about 90% in what we would classify your growth asset. So that would be, if you look at this graph, the top four.\n\nSo The US shares, Australian shares, international shares, and property. Now this graph here takes you back to 1995 through to 2025. Over the long term, you can see the market always goes up. The short term, there will be ups and downs and market fluctuations. The more growth you have, the most of sorry.\n\nThe more growth assets, the higher fluctuation, but then on a long term, you see a higher growth. So at the moment, 90% is in those top 10% in defensive, which will be your bottom three. A gold of stuff can also sometimes fall into this category, and these are the ones that's kinda, like, stabilized. You can see that they are still growing, but a lot less, but they're a lot more stable. So a balanced growth, which is kind of how you came out at the moment, is a more social client that wants some growth out of their superannuation while you are still working and contributing, but you also want a conservative element to your portfolio.\n\nIn terms of and percentage of this one, you have a seventy thirty. 70 in the top, yeah, 30 in the bottom. Now we also have one that's in between these two, and that is a growth one. So a growth is in between where you have about an eighty twenty. So you have 80 in the top, 20 in the bottom.\n\nAnd it's kind of one step down from where you are right now in terms of a high growth, but a little bit more than you're a little bit more defensive. So when we are also looking at a time frame, so we wanna make sure that looking at this through, you have enough time in the market, all those fluctuations to come back around. In a high growth, we wanna say a minimum of eight years to retirement, growth, six years, balance growth, five years. But it also comes down to what you are comfortable with. So from those, is there any of those three that you feel more aligned with your values and how you feel?\n\nThe top one? So okay. Yes. So are you happy with seeing the 90 the ninety ten, or do you feel more the eighty twenty? The ninety ten?\n\nOkay. Perfect. So the way that you are at the moment, even though I know that some of the questions for you were that you would feel a little bit more concerned, you would still be comfortable as long as long term, it's not obviously every year. Like, as long as long term, it continues to go up, you understand that if you are in a high growth, you will have some yes not so good, but then other yes really good. That's okay.\n\nExactly. You have plenty of time. Okay. Perfect. Now from that, I'm happy to leave you in a high growth portfolio because, yeah, you do have plenty of time as long as yeah.\n\nObviously, you understand that throughout time, there will be some ups and downs. Some years will be really, really good, and some, you know, slightly less, but it's also how we then construct and diversify your portfolio to try to minimize that. So we will leave you in a high growth. Now as we are talking about your portfolio, actually, if you go back to the email, you will then see one where it says a twelve month, hub 24 IRR. Can you see that?\n\nYep. Perfect. If you wanna open that one for me. Yep. Now this one can look a little bit messy, but it basically breaks down all your investments and how they have performed and what's happened in the last twelve months.\n\nSo I kind of touched on it briefly, but the last twelve months, we've obviously seen a bit of fluctuations in the market. So first, you had obviously everything in The US with Trump and the tariffs and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuations in the last twelve months. Despite that, though, your portfolio has still overall held up pretty good. So in the last twelve months, after fees or after all fees have come out of your account, your portfolio is still up, and it's up by about 6.73%, which is not too bad, yeah, given what's happened in the market.\n\nNow on that as well, you can see if you scroll through yeah. On the first page here, you can see on the second column to the right where it says the internal rate of return. Can you see that? Yep. Now this is how your individual investment has performed.\n\nSo the ones in the brackets are down. The other ones are positive. So you can yeah. It's insane. And that's your Global X battery tech and lithium.\n\nObviously, fuel prices moving to electric vehicles and the batteries and stuff like that. That one has gone through the roof. So that one has been crazy. Yes. You can also see Asia, the Asia 50, then about 72%.\n\nBut you can also see that the way that your portfolio is constructed is they balance each other. So there'll be some areas where not doing as well where other areas are doing really well. So, obviously, as things do happen in the world and the market, you won't have as much of an impact because you'll kind of negate each other in a in a way. One thing I do wanna highlight is we obviously do a lot of research on your investments all the time, and we wanna make sure that at all points in time, we have you in the best options possible, and things are ever changing. So we've done a lot of research at the moment on your top one, which is the Benelong Australian Equity.\n\nAnd this is one that's down at the moment. So when you came on board and up until quite recently, it's done really, really well. It was one of the top performing fund managers, and the function behind that one investment is to kind of actively buy and sell different investments in order to kinda outperform the market. Now more recently, they've been a little bit slower in terms of making those decisions, and they've kind of underperformed a little bit. So what I would like to do, if you are happy for me to do so, is to do a little bit more in-depth on that investment and put together a proposal to see if we can swap this one out something else that's going to do a little bit better for you moving forward.\n\nWould you be happy for me to do that? Yep. Yep. Perfect. Now it will take me about a week or so to put together the research.\n\nI will then put together a proposal for you, go through it with you, and then you can let me know if you are happy with the change. So when is typically a best time for you to to go through that, Tony? Okay. Let me have a look. So about 03:00.\n\nNow let me have a look because in our afternoon's still up very, very quickly. Let me see. Now I could do 3PM on Tuesday, May 12 Going about Would that would that work? Yeah. Okay.\n\nPerfect. So I will book that in. Now if anything does change and you can't make the appointment or work or anything, just let me know, and I'll see if I can shuffle a few things around for you. Would you like a reminder text sent, like, two hours before in case, you know, something happens or you forget? Yeah.\n\nYeah. Perfect. I'll do that. But, otherwise, as a whole, like I said, it's done pretty good considering the last twelve months. So happy with that.\n\nNow if you wanna go back to your email for me and if you wanna open the one where it says super and insurance summary, if you could open that one for me and let me know if you can see that. Yep. Perfect. Now you can see here that you obviously have your superannuation with HUB24. You can see that you do have about $78,614 in there.\n\nAnd then underneath that, you can see your insurances. So with your insurances, you have life and total permanent disability. Now you do have 551,250 worth of life and TTD. Are you still happy with those level of coverage? Do you still think that would meet, you know, your needs if something were to happen and you can't work?\n\nYep. Yep. Yeah. And because you don't have any debts, you don't have to worry about, you know, clearing out any outstanding debt or credit cards or personal loans or anything. So that would mainly be, obviously, if you can't go back to work, a bit of a lump sum to help, obviously, assist with, if you can't go back to work, if if you ever were to become TPD or, obviously, life insurance is sent for for your children if something were to happen.\n\nThere's also your super on top of that if something ever were to happen. And with your income protection, that will be a monthly amount of $4,667 per month. You have a thirty day waiting period and a five year benefit period. Are you still happy with that level of cover and everything like that as well? Correct.\n\nNow now the way that the income, yeah, the way that the income protection does work, which I do wanna flag with you, is that it is a percentage of your income at the time of claim. So it is 70% of your income you can be covered full. So something to be mindful of is because your income has slightly decreased, not by a lot, but still a little bit, what would happen is if you were to go and claim tomorrow, so let's say 65,000, 70% of that on a monthly basis is 3,791. Even though, yeah, even though you're paying for 4,667, if something were to happen tomorrow, you could only get 3,791. Yep.\n\nSo there are two options. We can look at reducing it for you, so reduce it to match your current income. It will make the premium a little bit cheaper. The only thing I do wanna stress is that if anything were to change with your income and your income was to go up, what would happen then is if you wanted to go and increase your cover again, it might be a little bit difficult. For the insurance point of view, it's super easy to decrease.\n\nIt's just a quick form. They take on less risk. They're happy. If you wanna increase it so let's say we do decrease it to $3.07, and then in a year's time, you go, no. My my income has gone up.\n\nI'm now I now wanna up it. What would happen then is we would have to go through that whole underwriting process again, and then insurers will assess your risk. And if anything has changed with your health or anything or if you take up a super risky occupation or a hobby or anything, there is a chance that they might decline it or put restrictions on it. So it's ultimately up to you if you think that your income will potentially go up with time, we can leave it as as long as you know that if something were to happen tomorrow, you are technically paying for a little bit more than you can get. What are your thoughts on that?\n\nYes. Yes. I I agree. I think I think it's better to be slightly over insured if especially with income income tax, especially if you do think that, you know, you might get little pay increases here, there, or things change. If you were to say, no.\n\nI'm I'm dropping my hours, and I'm gonna have less and less income, especially, like, as you get older, then we can look at reducing it. But I think at the moment, it's good. And then once we do yeah. And then once we do get rid of those smokers right for you in about six months, then that will significantly reduce the premium altogether as well. Yep.\n\nGreat. Perfect. Now, otherwise, you will see in the email, you will see where two documents were assessed, COC. Can you see that? Let me just open it now.\n\nThat is just your insurance broken down in a little bit more detail for you. So you will have one that just breaks down your life and your total permanent disability. It just lets you know that everything is paid and up to date, and then one is that income protection for you. Yep. Yep.\n\nYeah. The only way you can usually it's you can see product name, and then so that usually tells us what it is. And then, also, you can see, like, policy type. So it's quite easy for us to see, but, yes, you can basically if you scroll down, you can even see on the one where it ends with nine four four, you can see where it says income income protection occupation group. So that's an income protection.\n\nThe other one is your life and TKD. But it's not much you have to worry about, but just basically, it's there for your reference. And, yeah, everything is paid and up to date for you. Yep. Perfect.\n\nNow the other two documents you will see is your financial services guide version four, and then you also have the Oakview services guide version one. If you want through so the financial services guide version two is just kind of like a a smaller version, which is some important information. It's similar to what you have been sent before, just a bit of an updated version. But if you wanna open the OTU services guide version one for me. Yep.\n\nNow, again, you probably have seen a couple of these. Had some changes. None of the important information has changed. It's all the same. But everything that you do need to know is in there for you.\n\nAs you scroll through as well, you will actually see we've had a bit of an extension to the team, which is good. And if you want to scroll down to page let's see here. 10. Yep. You will see a photo of myself there, and sometimes it is nice to put a face to the voice.\n\nYeah. But yeah. Yeah. Exactly. Now the last thing here, Tony, is if you're happy to do so, if you wanna click on the link where it says sign now, it will just ask you to sign through documents.\n\nNow the first one it should ask you to sign is an ongoing service agreement. Can you see that? Yep. No. That's okay.\n\nLet me see. It may have been yep. Sorry. It looks like you already signed it, which is great, but I do wanna just let you know what you signed. So there was two documents.\n\nOne was their ongoing service agreement. Now that is just to say that you are happy to stay on a sick claim. Now there is no changes in regards to the advise fee. It stays exactly the same at 1.65 from Super. It is not a lock in contract at any point in time either.\n\nSo if there's ever a situation where you're not happy, it is not a lock in contract. So this essentially just lets you, you know, service your account and everything in the meantime. And it is something you do have to sign every year just to make sure you are happy with everything. And then the second one was just a tax file compliance form just to say that we are keeping your tax file number secure on file. Now everything is also then saved to your folder as well.\n\nSo it should allow you to download something if you wanted to, or does it say what can you see on your side? Yeah. So if it is there, you have access to download them. If not, I always have a copy on file. So if you ever want a copy or anything of of any of those documents, I have a copy on file for you.\n\nOtherwise, I have you booked in on Tuesday, May 12 at 3PM to go over the research and those investment changes for you. Do you have any other questions or anything else for me otherwise before I let you go this afternoon? Okay. Let me have a look. Is that the one where it said there on which document was that?\n\nJust so I can let the team know. Alright. Let me have a look. 3328. Yes.\n\nI can see that. Let me check what's in your account because, usually, it's pulled directly from from hub. Have you recently changed phone numbers at all? Okay. Let me see.\n\nJust what's on your account. Because this pulls it directly from your hub twenty four, and they need to match in order for us to do it. So let me have a look here. Yes. Okay.\n\nSo I can see that the contact details on your hub twenty four has your old mobile. So what we'll do is if you have it for us to do so, we can still submit the one that you've just signed because it matched. So hub twenty four will verify it. But I will make a note through as soon as that's been verified. I will let the admin team know to go and update your phone number to the one I'm calling through right now.\n\nAnd if you yeah. And if you do jump in to Hub twenty four yourself, you will also see that once that's been authorized and processed, you will see that change in contact details in hub twenty four for yourself. But I will let the team know to go and update that for you. Yeah. Perfect.\n\nNo worries. Thanks for letting me know. That was very good attention to detail. Any other questions before I let you go? No?\n\nYep. Beautiful. If you think of anything or have any other questions, let me know. But, otherwise, I look forward to speaking with you on Tuesday, the twelfth. No problem.\n\nYou too. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.20308029651641846},{"text":"Is this Toni?","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.062282765905062355},{"text":"Sure.","start":6.64,"end":7.14,"sentiment":"neutral","sentiment_score":0.01750091090798378},{"text":"Yeah.","start":20.975,"end":21.295,"sentiment":"neutral","sentiment_score":0.013847796246409416},{"text":"Is this Tony I'm speaking with?","start":21.295,"end":22.994999,"sentiment":"neutral","sentiment_score":0.013533257801706592}],"sentiment":"neutral","sentiment_score":0.05427362651635821,"num_words":13,"start":1.92,"end":22.994999},{"sentences":[{"text":"This is Veronica from Financial.","start":24.43,"end":26.29,"sentiment":"neutral","sentiment_score":0.10639954507350921},{"text":"How are you?","start":26.83,"end":27.73,"sentiment":"neutral","sentiment_score":0.13261266301075617},{"text":"Good.","start":30.03,"end":30.53,"sentiment":"positive","sentiment_score":0.4974221885204315},{"text":"I had you booked in to go over your annual review.","start":31.310001,"end":33.71,"sentiment":"positive","sentiment_score":0.3739396062764255},{"text":"Is now still a good time for you?","start":33.71,"end":35.49,"sentiment":"neutral","sentiment_score":0.32259035110473633}],"sentiment":"neutral","sentiment_score":0.2900470135999577,"num_words":28,"start":24.43,"end":35.49},{"sentences":[{"text":"Yeah.","start":37.085,"end":37.324997,"sentiment":"neutral","sentiment_score":0.18498839437961576},{"text":"Okay.","start":37.324997,"end":37.824997,"sentiment":"neutral","sentiment_score":0.22576460242271423},{"text":"Perfect.","start":37.885,"end":38.385,"sentiment":"positive","sentiment_score":0.3468517065048218},{"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":39.164997,"end":46.065,"sentiment":"neutral","sentiment_score":0.05680082160337218},{"text":"Perfect.","start":47.885,"end":48.385,"sentiment":"neutral","sentiment_score":0.26033538579940796}],"sentiment":"neutral","sentiment_score":0.08076254289710161,"num_words":33,"start":37.085,"end":48.385},{"sentences":[{"text":"And just to confirm I am speaking with the right person, could I just get you to please confirm your full name, date of birth, and address for me, please?","start":48.445,"end":57.0,"sentiment":"neutral","sentiment_score":0.08072122260928154},{"text":"Yep.","start":59.22,"end":59.72,"sentiment":"neutral","sentiment_score":0.020982317626476288},{"text":"Yep.","start":61.940002,"end":62.440002,"sentiment":"neutral","sentiment_score":0.019530583173036575},{"text":"Perfect.","start":66.595,"end":66.995,"sentiment":"positive","sentiment_score":0.4289809465408325},{"text":"That's exactly what I have here.","start":66.995,"end":68.51501,"sentiment":"positive","sentiment_score":0.48611200352509815}],"sentiment":"neutral","sentiment_score":0.1489180140197277,"num_words":39,"start":48.445,"end":68.51501},{"sentences":[{"text":"How's your day been?","start":68.51501,"end":69.555,"sentiment":"neutral","sentiment_score":0.1597747541964054},{"text":"Been busy?","start":69.555,"end":70.295006,"sentiment":"neutral","sentiment_score":-0.0043848976492881775},{"text":"Yeah.","start":72.035,"end":72.535,"sentiment":"neutral","sentiment_score":0.020499488338828087},{"text":"Do you have much to do for the rest of the afternoon?","start":72.995,"end":75.33501,"sentiment":"neutral","sentiment_score":0.009602646809071302},{"text":"Perfect.","start":78.450005,"end":78.950005,"sentiment":"neutral","sentiment_score":0.20635758340358737}],"sentiment":"neutral","sentiment_score":0.048620902746915814,"num_words":20,"start":68.51501,"end":78.950005},{"sentences":[{"text":"Oh, that's good.","start":79.57,"end":80.630005,"sentiment":"neutral","sentiment_score":0.2622489829858144},{"text":"Well, I will try not to keep you for too long, Tony.","start":80.69,"end":83.270004,"sentiment":"neutral","sentiment_score":0.034247549871603646},{"text":"Before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or any questions or anything that you have, or is it just a bit of a catch up and see where where everything's at?","start":84.21001,"end":97.205,"sentiment":"neutral","sentiment_score":0.040490646881085855},{"text":"Yeah.","start":101.58501,"end":102.08501,"sentiment":"neutral","sentiment_score":0.2345108985900879},{"text":"Perfect.","start":102.225006,"end":102.725006,"sentiment":"neutral","sentiment_score":0.30632472038269043}],"sentiment":"neutral","sentiment_score":0.05528236757701551,"num_words":71,"start":79.57,"end":102.725006},{"sentences":[{"text":"So what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in in your life and if we need to make any changes for the advice at all.","start":103.920006,"end":115.380005,"sentiment":"neutral","sentiment_score":0.1009032334736053},{"text":"So just kind of bear with me as I go through these questions.","start":115.840004,"end":119.465,"sentiment":"neutral","sentiment_score":0.036522371837726005},{"text":"Now when it comes to your personal information, I have you down here as single with true financial dependents.","start":120.244995,"end":126.744995,"sentiment":"neutral","sentiment_score":0.06383125229101431},{"text":"Is that correct?","start":126.884995,"end":127.705,"sentiment":"neutral","sentiment_score":0.04558547710378965},{"text":"Okay.","start":135.38,"end":135.88,"sentiment":"neutral","sentiment_score":-0.015048095025122166}],"sentiment":"neutral","sentiment_score":0.078936685987535,"num_words":83,"start":103.920006,"end":135.88},{"sentences":[{"text":"Yep.","start":138.98001,"end":139.22,"sentiment":"neutral","sentiment_score":-0.006252129562199116},{"text":"Yep.","start":139.22,"end":139.70001,"sentiment":"neutral","sentiment_score":0.007221873849630356},{"text":"Yep.","start":139.70001,"end":140.20001,"sentiment":"neutral","sentiment_score":0.011192388832569122},{"text":"Okay.","start":145.315,"end":145.795,"sentiment":"neutral","sentiment_score":-0.002947181463241577},{"text":"So two children, but one financial dependent, essentially.","start":145.795,"end":148.935,"sentiment":"neutral","sentiment_score":-0.007855402887798846}],"sentiment":"neutral","sentiment_score":-0.004469022620469332,"num_words":12,"start":138.98001,"end":148.935},{"sentences":[{"text":"Yep.","start":149.235,"end":149.735,"sentiment":"neutral","sentiment_score":0.13685116171836853},{"text":"Perfect.","start":149.875,"end":150.375,"sentiment":"positive","sentiment_score":0.5346947908401489},{"text":"Now I have here next of kin your mom, Carolyn, nominated.","start":151.955,"end":155.975,"sentiment":"neutral","sentiment_score":0.30672381953759625},{"text":"Is that still okay?","start":156.115,"end":157.175,"sentiment":"neutral","sentiment_score":0.1972227580845356},{"text":"Yep.","start":158.37001,"end":158.61,"sentiment":"neutral","sentiment_score":0.08373920619487762}],"sentiment":"neutral","sentiment_score":0.2732299003336165,"num_words":18,"start":149.235,"end":158.61},{"sentences":[{"text":"Perfect.","start":158.61,"end":159.11,"sentiment":"neutral","sentiment_score":0.26135435700416565},{"text":"And her phone number hasn't changed recently, still ends with 804?","start":159.25,"end":163.59,"sentiment":"neutral","sentiment_score":0.05455137179656462},{"text":"Great.","start":165.57,"end":165.89,"sentiment":"positive","sentiment_score":0.5622124671936035},{"text":"Perfect.","start":165.89,"end":166.39,"sentiment":"positive","sentiment_score":0.35855555534362793},{"text":"Now when it comes to occupation, has any of that changed or still working as a storeman?","start":166.85,"end":172.39,"sentiment":"neutral","sentiment_score":0.044812251978060776}],"sentiment":"neutral","sentiment_score":0.08206437912679487,"num_words":31,"start":158.61,"end":172.39},{"sentences":[{"text":"Perfect.","start":175.41501,"end":175.91501,"sentiment":"neutral","sentiment_score":0.24896328151226044},{"text":"I do have here that you work full time and income of around 70,000.","start":176.93501,"end":181.755,"sentiment":"neutral","sentiment_score":0.08592567566250052},{"text":"Okay.","start":185.27,"end":185.77,"sentiment":"neutral","sentiment_score":0.02766421064734459},{"text":"Do you know roughly how much?","start":186.55,"end":188.41,"sentiment":"neutral","sentiment_score":-0.005056147929280996},{"text":"60?","start":191.67001,"end":192.17001,"sentiment":"neutral","sentiment_score":-0.0049864319153130054}],"sentiment":"neutral","sentiment_score":0.06279407095407015,"num_words":23,"start":175.41501,"end":192.17001},{"sentences":[{"text":"Yeah.","start":192.63,"end":193.13,"sentiment":"neutral","sentiment_score":-0.011647364124655724},{"text":"Sixty five.","start":194.07,"end":194.97,"sentiment":"neutral","sentiment_score":-0.0426541343331337},{"text":"That's okay.","start":195.51001,"end":196.33,"sentiment":"neutral","sentiment_score":0.04617612808942795},{"text":"I'll do 62 to 65.","start":196.95001,"end":199.21,"sentiment":"neutral","sentiment_score":0.022119009867310524},{"text":"Does it vary do you do, like, overtime or anything like it, or is it okay.","start":199.955,"end":209.795,"sentiment":"neutral","sentiment_score":-0.025873466802295297}],"sentiment":"neutral","sentiment_score":-0.011845530619701514,"num_words":26,"start":192.63,"end":209.795},{"sentences":[{"text":"Yep.","start":209.795,"end":210.295,"sentiment":"neutral","sentiment_score":-0.044674333184957504},{"text":"Yep.","start":212.61,"end":213.11,"sentiment":"neutral","sentiment_score":-0.04390700161457062},{"text":"Yep.","start":214.84999,"end":215.25,"sentiment":"neutral","sentiment_score":0.008845025673508644},{"text":"Okay.","start":215.25,"end":215.56999,"sentiment":"neutral","sentiment_score":0.0545380637049675},{"text":"Perfect.","start":215.56999,"end":216.06999,"sentiment":"neutral","sentiment_score":0.09766560047864914}],"sentiment":"neutral","sentiment_score":0.014493471011519432,"num_words":5,"start":209.795,"end":216.06999},{"sentences":[{"text":"So about 65 ish.","start":216.12999,"end":218.31,"sentiment":"neutral","sentiment_score":0.020475484197959304},{"text":"62 to 65.","start":219.09,"end":220.79,"sentiment":"neutral","sentiment_score":0.017394084793825943},{"text":"I have here expenses per week about 700 and savings about $1.50 a week.","start":221.56999,"end":227.34999,"sentiment":"neutral","sentiment_score":0.019709876073258265},{"text":"Does that sound about the same?","start":228.365,"end":229.745,"sentiment":"neutral","sentiment_score":0.0163298857708772},{"text":"Yeah.","start":232.605,"end":233.105,"sentiment":"neutral","sentiment_score":0.05887850373983383}],"sentiment":"neutral","sentiment_score":0.02024572409157242,"num_words":28,"start":216.12999,"end":233.105},{"sentences":[{"text":"Perfect.","start":233.485,"end":233.985,"sentiment":"neutral","sentiment_score":0.15897473692893982},{"text":"Otherwise, I have here that your employer makes, like, that standard 12% contribution into super, and you're not making any additional ones yourself, just that from your employer?","start":235.80501,"end":245.2,"sentiment":"neutral","sentiment_score":0.02390887455216476},{"text":"Yeah.","start":246.22,"end":246.62,"sentiment":"neutral","sentiment_score":0.0745774433016777},{"text":"Perfect.","start":246.62,"end":247.12,"sentiment":"neutral","sentiment_score":0.14856714010238647},{"text":"Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 14,000 with nothing owing.","start":247.74,"end":256.7,"sentiment":"neutral","sentiment_score":0.04371558555534908}],"sentiment":"neutral","sentiment_score":0.03787682893184515,"num_words":52,"start":233.485,"end":256.7},{"sentences":[{"text":"Is that correct?","start":256.7,"end":257.6,"sentiment":"neutral","sentiment_score":0.057297048469384514},{"text":"Perfect.","start":259.715,"end":260.215,"sentiment":"neutral","sentiment_score":0.14558440446853638},{"text":"Any other assets, savings in the banks, motorbikes, boats?","start":261.31497,"end":266.455,"sentiment":"neutral","sentiment_score":0.03393663735025459},{"text":"No.","start":268.675,"end":269.07498,"sentiment":"neutral","sentiment_score":-0.15601332485675812},{"text":"Alright.","start":269.07498,"end":269.395,"sentiment":"neutral","sentiment_score":-0.021594315767288208}],"sentiment":"neutral","sentiment_score":0.029686509693662325,"num_words":15,"start":256.7,"end":269.395},{"sentences":[{"text":"Perfect.","start":269.395,"end":269.895,"sentiment":"positive","sentiment_score":0.5082706212997437},{"text":"Do you have any other liabilities, like personal loans or credit cards or SIP pay?","start":270.08,"end":274.66,"sentiment":"neutral","sentiment_score":0.02214710017045339},{"text":"No.","start":276.32,"end":276.8,"sentiment":"neutral","sentiment_score":-0.1290244460105896},{"text":"No.","start":276.8,"end":277.3,"sentiment":"neutral","sentiment_score":-0.06202280521392822},{"text":"Perfect.","start":277.44,"end":277.94,"sentiment":"neutral","sentiment_score":0.12523527443408966}],"sentiment":"neutral","sentiment_score":0.04077184984558507,"num_words":19,"start":269.395,"end":277.94},{"sentences":[{"text":"And health and lifestyle wise, are you a smoker or a nonsmoker?","start":278.88,"end":284.42,"sentiment":"neutral","sentiment_score":-0.012546509116267165},{"text":"Nonsmoker.","start":287.03497,"end":287.53497,"sentiment":"neutral","sentiment_score":0.015570211224257946},{"text":"Perfect.","start":288.31497,"end":288.81497,"sentiment":"positive","sentiment_score":0.3495303988456726},{"text":"And in the last twelve months, did you used to be a smoker or always been a nonsmoker?","start":291.115,"end":296.81497,"sentiment":"neutral","sentiment_score":-0.023867084851695433},{"text":"Oh, yes.","start":305.05,"end":305.63,"sentiment":"neutral","sentiment_score":0.08004138991236687}],"sentiment":"neutral","sentiment_score":-0.001617124906795866,"num_words":34,"start":278.88,"end":305.63},{"sentences":[{"text":"Perfect.","start":305.93,"end":306.43,"sentiment":"neutral","sentiment_score":0.2830965518951416},{"text":"And when would you say was the last time you had any nicotine, any or vaping or cigarettes or chewing gum or anything like that?","start":307.37,"end":319.675,"sentiment":"neutral","sentiment_score":-0.010287762247025966},{"text":"Six months.","start":321.895,"end":322.615,"sentiment":"neutral","sentiment_score":-0.011638104915618896},{"text":"Okay.","start":322.615,"end":323.01498,"sentiment":"neutral","sentiment_score":0.16401496529579165},{"text":"Perfect.","start":323.01498,"end":323.51498,"sentiment":"positive","sentiment_score":0.35573071241378784}],"sentiment":"neutral","sentiment_score":0.01741239878659447,"num_words":30,"start":305.93,"end":323.51498},{"sentences":[{"text":"The reason I do ask let me just pull up your insurances is that from the insurance point of view, if it's been twelve months since you last had any anything, so whether that's a vape or cigarettes or anything like that, if it's been twelve months, they can classify you as a nonsmoker, which will mean that your insurance premium will get quite a bit cheaper.","start":324.27,"end":347.85498,"sentiment":"neutral","sentiment_score":0.05737673018628092},{"text":"So, yeah, so what I might do is I'll leave a little note here because I just looked at your insurance policy, which we will go through shortly, is that on your AIA policy, you are currently a smoker.","start":348.715,"end":360.49002,"sentiment":"neutral","sentiment_score":0.01118339985035933},{"text":"So what I can do is if it's been about six months, I can put a little reminder for the team to give you a call in about six months because that would then be the twelve month mark, and we can look at removing that smokers rate for you.","start":360.87,"end":376.695,"sentiment":"neutral","sentiment_score":0.031013532429933547},{"text":"Yep.","start":377.475,"end":377.975,"sentiment":"neutral","sentiment_score":0.08076881617307663},{"text":"So Yeah.","start":378.275,"end":379.74,"sentiment":"neutral","sentiment_score":0.0954567939043045}],"sentiment":"neutral","sentiment_score":0.03838209145989433,"num_words":159,"start":324.27,"end":379.74},{"sentences":[{"text":"Yeah.","start":379.74,"end":380.24,"sentiment":"neutral","sentiment_score":0.1248634085059166},{"text":"So I'll make that little note, and we can kind of get that sorted, which, yeah, which will reduce the premium quite a bit.","start":380.38,"end":387.84,"sentiment":"neutral","sentiment_score":0.20956804199765125},{"text":"So that's good.","start":388.54,"end":389.5,"sentiment":"positive","sentiment_score":0.48647523919741315},{"text":"Alright.","start":389.5,"end":389.9,"sentiment":"neutral","sentiment_score":0.29504090547561646},{"text":"Perfect.","start":389.9,"end":390.4,"sentiment":"positive","sentiment_score":0.37330490350723267}],"sentiment":"neutral","sentiment_score":0.24274226476748784,"num_words":30,"start":379.74,"end":390.4},{"sentences":[{"text":"Otherwise, any changes to your health or medications or anything otherwise?","start":390.62,"end":395.45502,"sentiment":"neutral","sentiment_score":-0.01178778978911313},{"text":"Yep.","start":403.195,"end":403.695,"sentiment":"neutral","sentiment_score":0.08673888444900513},{"text":"Okay.","start":403.755,"end":404.075,"sentiment":"neutral","sentiment_score":0.20370222628116608},{"text":"Perfect.","start":404.075,"end":404.475,"sentiment":"positive","sentiment_score":0.4721675217151642},{"text":"But no, like, changes otherwise in anything.","start":404.475,"end":406.815,"sentiment":"neutral","sentiment_score":-0.052884398826530996}],"sentiment":"neutral","sentiment_score":0.012512007284732092,"num_words":21,"start":390.62,"end":406.815},{"sentences":[{"text":"Just kinda yep.","start":406.875,"end":407.755,"sentiment":"neutral","sentiment_score":-0.007866772512594858},{"text":"Perfect.","start":407.755,"end":408.255,"sentiment":"positive","sentiment_score":0.3966190218925476},{"text":"Now estate planning wise, I have here that for your beneficiaries, so if something were to happen to you, you have a 50% nominate nomination to Alexa and 50 through.","start":410.31003,"end":420.73,"sentiment":"neutral","sentiment_score":0.20028814127047856},{"text":"That's correct?","start":421.395,"end":422.135,"sentiment":"neutral","sentiment_score":0.18556079268455505},{"text":"Perfect.","start":422.355,"end":422.855,"sentiment":"neutral","sentiment_score":0.2895837724208832}],"sentiment":"neutral","sentiment_score":0.19033427838538144,"num_words":37,"start":406.875,"end":422.855},{"sentences":[{"text":"And they are both your children?","start":423.075,"end":424.535,"sentiment":"neutral","sentiment_score":0.13644032180309296},{"text":"Yes.","start":425.555,"end":425.875,"sentiment":"neutral","sentiment_score":0.14582139253616333},{"text":"Great.","start":425.875,"end":426.375,"sentiment":"positive","sentiment_score":0.361866295337677},{"text":"Do you otherwise have a a will in place or power of attorney or anything like that?","start":427.315,"end":431.735,"sentiment":"neutral","sentiment_score":0.12643741246531992},{"text":"No.","start":432.995,"end":433.315,"sentiment":"neutral","sentiment_score":-0.05747886374592781}],"sentiment":"neutral","sentiment_score":0.13147256795603496,"num_words":26,"start":423.075,"end":433.315},{"sentences":[{"text":"That's okay.","start":433.315,"end":434.055,"sentiment":"neutral","sentiment_score":-0.023620909079909325},{"text":"No.","start":434.995,"end":435.235,"sentiment":"neutral","sentiment_score":-0.05286663770675659},{"text":"That's okay.","start":435.235,"end":436.135,"sentiment":"neutral","sentiment_score":-0.016162676736712456},{"text":"But you don't have anyone who makes the otherwise financial decisions for you or earn an income overseas or politically exposed at all?","start":436.88,"end":443.94,"sentiment":"neutral","sentiment_score":-0.10236042737960815},{"text":"That's great.","start":444.96,"end":445.6,"sentiment":"positive","sentiment_score":0.4133066385984421}],"sentiment":"neutral","sentiment_score":-0.05533701206247012,"num_words":30,"start":433.315,"end":445.6},{"sentences":[{"text":"Perfect.","start":445.6,"end":446.1,"sentiment":"positive","sentiment_score":0.5722615718841553},{"text":"Now the other thing is kind of, I guess, goals that you're working towards that you are wanting to achieve.","start":447.36,"end":453.375,"sentiment":"neutral","sentiment_score":0.27698145508766175},{"text":"So last time when we spoke to you during the annual review, you kind of mentioned that in the next few years, your main focus was to potentially buy a new car and to kind of continue building up a bit of a cash buffer to kind of have that ease, you know, this ever a rainy day or you need anything.","start":453.375,"end":470.45,"sentiment":"neutral","sentiment_score":0.09700827450761872},{"text":"Is that still kind of your main focus for, you know, the short interim, or has any of that changed?","start":470.45,"end":476.15,"sentiment":"neutral","sentiment_score":0.009433734323829412},{"text":"Mhmm.","start":478.785,"end":479.285,"sentiment":"neutral","sentiment_score":-0.0178445465862751}],"sentiment":"neutral","sentiment_score":0.118242633009616,"num_words":104,"start":445.6,"end":479.285},{"sentences":[{"text":"Yeah.","start":480.625,"end":480.945,"sentiment":"neutral","sentiment_score":0.023005779832601547},{"text":"And yeah.","start":480.945,"end":482.725,"sentiment":"neutral","sentiment_score":0.02321569062769413},{"text":"Yeah.","start":484.54498,"end":485.04498,"sentiment":"neutral","sentiment_score":0.15107014775276184},{"text":"Perfect.","start":485.10498,"end":485.60498,"sentiment":"neutral","sentiment_score":0.2585676610469818},{"text":"Sorry about the long term.","start":485.985,"end":487.425,"sentiment":"neutral","sentiment_score":-0.08572921678423881}],"sentiment":"neutral","sentiment_score":0.005042888596653939,"num_words":10,"start":480.625,"end":487.425},{"sentences":[{"text":"Yeah.","start":487.425,"end":487.66498,"sentiment":"neutral","sentiment_score":0.023453902453184128},{"text":"No.","start":487.66498,"end":487.82498,"sentiment":"neutral","sentiment_score":0.0052364058792591095},{"text":"It's still a good goal, though.","start":487.82498,"end":489.365,"sentiment":"neutral","sentiment_score":0.13088392900923887},{"text":"Looking to buy a house.","start":490.065,"end":491.445,"sentiment":"neutral","sentiment_score":0.09255445897579193},{"text":"Is there anything else that you're working towards otherwise or that you're wanting to achieve, or that's kind of your main main focus?","start":491.94,"end":498.36002,"sentiment":"neutral","sentiment_score":0.022220101207494736}],"sentiment":"neutral","sentiment_score":0.049661902917755976,"num_words":36,"start":487.425,"end":498.36002},{"sentences":[{"text":"Yep.","start":498.74002,"end":499.24002,"sentiment":"neutral","sentiment_score":0.02228683792054653},{"text":"Perfect.","start":500.18002,"end":500.68002,"sentiment":"neutral","sentiment_score":0.24022389948368073},{"text":"Now the next thing I do wanna run over with you, Tony, it is just an updated risk profile questionnaire just to see if there's anything that has changed in your risk tolerance or if you want to make any changes at all.","start":501.78,"end":513.835,"sentiment":"neutral","sentiment_score":-0.01877990832855535},{"text":"So just kinda bear with me again as I go through this.","start":514.775,"end":517.175,"sentiment":"neutral","sentiment_score":0.31511763110756874},{"text":"It is just multiple choice to make it nice and easy, and there is no right or wrong answer.","start":517.175,"end":522.47504,"sentiment":"positive","sentiment_score":0.3650598800496051}],"sentiment":"neutral","sentiment_score":0.133848999651443,"num_words":76,"start":498.74002,"end":522.47504},{"sentences":[{"text":"Now have you ever bought direct shares?","start":524.81,"end":526.91003,"sentiment":"neutral","sentiment_score":0.015381753311625548},{"text":"Bought direct shares on the stock market yourself?","start":529.45,"end":532.17,"sentiment":"neutral","sentiment_score":-0.043595169205218554},{"text":"Have you ever done any of that personal investing?","start":532.17,"end":534.43,"sentiment":"neutral","sentiment_score":-0.011889340976874033},{"text":"No.","start":535.965,"end":536.365,"sentiment":"neutral","sentiment_score":-0.2144002914428711},{"text":"No.","start":536.365,"end":536.525,"sentiment":"neutral","sentiment_score":-0.17246177792549133}],"sentiment":"neutral","sentiment_score":-0.028267508408484552,"num_words":26,"start":524.81,"end":536.525},{"sentences":[{"text":"Perfect.","start":536.525,"end":537.025,"sentiment":"neutral","sentiment_score":0.0864608883857727},{"text":"And in terms of superannuation as well, are you still kind of looking at retiring around age 67, or do you think you wanna retire a bit earlier?","start":538.28503,"end":547.665,"sentiment":"neutral","sentiment_score":-0.02312045018853886},{"text":"Yeah.","start":550.68,"end":551.18,"sentiment":"neutral","sentiment_score":-0.162868469953537},{"text":"And in an ideal world, would you when would you want to start drawing an income from your super?","start":553.07996,"end":558.86,"sentiment":"neutral","sentiment_score":0.04326508998086578},{"text":"Around 60 five.","start":562.695,"end":564.055,"sentiment":"neutral","sentiment_score":0.027107446144024532}],"sentiment":"neutral","sentiment_score":0.0034534396388782905,"num_words":52,"start":536.525,"end":564.055},{"sentences":[{"text":"Yep.","start":564.055,"end":564.535,"sentiment":"neutral","sentiment_score":0.11853039264678956},{"text":"Perfect.","start":564.535,"end":565.035,"sentiment":"positive","sentiment_score":0.37855321168899536},{"text":"And an ideal income would be about a thousand dollars per week, or do you think any of that's changed?","start":566.295,"end":571.595,"sentiment":"neutral","sentiment_score":0.11829999703913927},{"text":"Will that cover expenses?","start":571.975,"end":573.755,"sentiment":"neutral","sentiment_score":-0.028849357273429632},{"text":"Yep.","start":574.78,"end":575.28,"sentiment":"neutral","sentiment_score":0.04419049248099327}],"sentiment":"neutral","sentiment_score":0.10340283735206833,"num_words":27,"start":564.055,"end":575.28},{"sentences":[{"text":"Yeah.","start":575.98004,"end":576.3,"sentiment":"neutral","sentiment_score":0.19196201860904696},{"text":"Perfect.","start":576.3,"end":576.8,"sentiment":"positive","sentiment_score":0.3631647825241089},{"text":"And, otherwise, I guess, when it comes to superannuation, is your main focus to just make sure that it continues to grow for your retirement and that you do wanna get, you know, continuous updates on what kind of occurring in regards to your superannuation.","start":577.58,"end":590.525,"sentiment":"neutral","sentiment_score":0.24565774897734324},{"text":"Would you say that's through your super goals?","start":590.825,"end":592.765,"sentiment":"neutral","sentiment_score":0.10696963127702475},{"text":"Yes.","start":594.265,"end":594.66504,"sentiment":"neutral","sentiment_score":0.25748318433761597}],"sentiment":"neutral","sentiment_score":0.22719581677977527,"num_words":56,"start":575.98004,"end":594.66504},{"sentences":[{"text":"Perfect.","start":594.66504,"end":595.16504,"sentiment":"positive","sentiment_score":0.4131477475166321},{"text":"Now the next thing is in regards to how much risk you are willing to take in regards to your superannuation to make sure that it continues to grow above, you know, inflation and rising prices and stuff like that, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk in order to try to make sure that it continues through to increase and go up?","start":596.34503,"end":621.005,"sentiment":"neutral","sentiment_score":0.022327686647896642},{"text":"Moderate?","start":622.905,"end":623.405,"sentiment":"neutral","sentiment_score":-0.00038954615592956543},{"text":"Yep.","start":623.705,"end":624.18506,"sentiment":"neutral","sentiment_score":0.11421403288841248},{"text":"Perfect.","start":624.18506,"end":624.68506,"sentiment":"neutral","sentiment_score":0.28578972816467285}],"sentiment":"neutral","sentiment_score":0.03125918313952876,"num_words":81,"start":594.66504,"end":624.68506},{"sentences":[{"text":"And in regards to volatility, sorry.","start":626.265,"end":629.325,"sentiment":"neutral","sentiment_score":-0.022495560968915623},{"text":"How would you feel if in six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in the market?","start":629.58997,"end":642.01,"sentiment":"negative","sentiment_score":-0.36385757964232873},{"text":"Now would you wanna take advantage of that if you had the option to do so by thinking that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral, just hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you're selling when the prices have dropped?","start":642.915,"end":664.98004,"sentiment":"neutral","sentiment_score":0.03423483917906292},{"text":"Yep.","start":667.60004,"end":668.10004,"sentiment":"neutral","sentiment_score":0.1736956685781479},{"text":"Perfect.","start":668.16003,"end":668.66003,"sentiment":"positive","sentiment_score":0.39375078678131104}],"sentiment":"neutral","sentiment_score":-0.06652698179179456,"num_words":113,"start":626.265,"end":668.66003},{"sentences":[{"text":"Yeah.","start":669.2,"end":669.52,"sentiment":"neutral","sentiment_score":0.14774437248706818},{"text":"Just leave.","start":669.52,"end":670.42004,"sentiment":"neutral","sentiment_score":0.08600292354822159},{"text":"And if you ever saw your superannuation or any assets ever fall in value, how would you say that make made you feel?","start":671.715,"end":680.615,"sentiment":"neutral","sentiment_score":-0.04790496923353361},{"text":"Would you say optimistic about potential future investment opportunities, a bit more cautious, not making further investments, concerned, or highly anxious?","start":680.675,"end":691.5,"sentiment":"neutral","sentiment_score":-0.20146585078466506},{"text":"Concerned.","start":694.12,"end":694.62,"sentiment":"neutral","sentiment_score":-0.2251914888620377}],"sentiment":"neutral","sentiment_score":-0.10912580058599512,"num_words":48,"start":669.2,"end":694.62},{"sentences":[{"text":"Yep.","start":695.56,"end":696.04,"sentiment":"neutral","sentiment_score":0.01794949173927307},{"text":"Okay.","start":696.04,"end":696.54,"sentiment":"neutral","sentiment_score":0.014280041679739952},{"text":"And last one here is, would you ever consider taking out a loan to invest personally in, like, direct on the stock market?","start":696.6,"end":708.205,"sentiment":"neutral","sentiment_score":-0.011747034833483074},{"text":"Would you ever consider taking out a loan to invest in the stock 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in?","start":719.66003,"end":723.76,"sentiment":"neutral","sentiment_score":-0.01874130591750145},{"text":"Yep.","start":724.635,"end":725.135,"sentiment":"neutral","sentiment_score":0.11935698240995408}],"sentiment":"neutral","sentiment_score":-0.028185110015328974,"num_words":32,"start":713.74,"end":725.135},{"sentences":[{"text":"Perfect.","start":725.195,"end":725.695,"sentiment":"neutral","sentiment_score":0.23891425132751465},{"text":"Now that tells me here, Tony, that you have come out as a a balanced growth investor.","start":726.47504,"end":735.215,"sentiment":"neutral","sentiment_score":0.17906993496067383},{"text":"Now at the moment, we have you invested in a high growth portfolio.","start":735.835,"end":740.69,"sentiment":"neutral","sentiment_score":0.049891052624354},{"text":"So there is a bit of a difference in terms of how your risk appetite has come out right now in terms of how we have you invested.","start":740.83,"end":748.45,"sentiment":"neutral","sentiment_score":-0.03212204063311219},{"text":"So do you know the difference between more like your balance growth and your high growth investor at all?","start":749.23004,"end":757.02496,"sentiment":"neutral","sentiment_score":-0.0023940852598140112}],"sentiment":"neutral","sentiment_score":0.038292077847589284,"num_words":78,"start":725.195,"end":757.02496},{"sentences":[{"text":"No.","start":758.285,"end":758.785,"sentiment":"neutral","sentiment_score":-0.10164262354373932},{"text":"So for a high growth, for example, which you which is how you are invested at the moment, It is tailored for for clients who want to get as much growth as you possibly can out of superannuation while you do have the time, but you're also prepared to experience a higher level of fluctuation in order to achieve that growth.","start":759.40497,"end":779.625,"sentiment":"neutral","sentiment_score":0.025464974191100873},{"text":"Now when we are talking about an asset allocation point of view, so what I might actually do here is do you have access to your emails, Tony?","start":780.185,"end":789.085,"sentiment":"neutral","sentiment_score":0.03541773311527712},{"text":"Okay.","start":790.585,"end":790.905,"sentiment":"positive","sentiment_score":0.3770922124385834},{"text":"Perfect.","start":790.905,"end":791.305,"sentiment":"positive","sentiment_score":0.6214815378189087}],"sentiment":"neutral","sentiment_score":0.0374129465173768,"num_words":92,"start":758.285,"end":791.305},{"sentences":[{"text":"So I just sent you an email, and sometimes this makes it a bit easier.","start":791.305,"end":794.605,"sentiment":"positive","sentiment_score":0.40251102050145465},{"text":"If you can access your emails for me.","start":796.12,"end":798.54,"sentiment":"neutral","sentiment_score":0.1836714707314968},{"text":"Yep.","start":800.44,"end":800.94,"sentiment":"neutral","sentiment_score":0.09494587033987044},{"text":"Now we have this change of software, so it might look a little bit different to what you are used to.","start":801.16,"end":805.98,"sentiment":"neutral","sentiment_score":0.06481732091023809},{"text":"But before you click on the link where it says sign now, you should see at the bottom of the email a couple of attachments.","start":806.28,"end":814.155,"sentiment":"neutral","sentiment_score":0.06664558425545693}],"sentiment":"neutral","sentiment_score":0.15184694698878698,"num_words":70,"start":791.305,"end":814.155},{"sentences":[{"text":"Can you see those?","start":814.375,"end":815.515,"sentiment":"neutral","sentiment_score":0.05052640661597252},{"text":"Yep.","start":816.695,"end":817.195,"sentiment":"neutral","sentiment_score":0.04828149080276489},{"text":"Now can you see one where it says 2025 Vanguard index chart?","start":817.335,"end":822.155,"sentiment":"neutral","sentiment_score":0.04609641960511605},{"text":"Yeah.","start":823.56,"end":823.72,"sentiment":"neutral","sentiment_score":0.05064205825328827},{"text":"Could you open that one for me?","start":823.72,"end":825.33997,"sentiment":"neutral","sentiment_score":0.05126397418124335}],"sentiment":"neutral","sentiment_score":0.048521361202001574,"num_words":25,"start":814.375,"end":825.33997},{"sentences":[{"text":"Yes.","start":830.04,"end":830.54,"sentiment":"neutral","sentiment_score":0.13162964582443237},{"text":"So this is a it's a good visual representation of what we are talking about when we're talking about the market.","start":830.83997,"end":837.5,"sentiment":"positive","sentiment_score":0.34210285473437535},{"text":"And when we're referring it back to the different risk profiles, it is good in terms of this breaking down the different asset classes.","start":837.77496,"end":845.135,"sentiment":"neutral","sentiment_score":0.2796489652246237},{"text":"So going back to a high growth portfolio, which is how you're invested right now, you have about 90% in what we would classify your growth asset.","start":845.135,"end":855.67,"sentiment":"neutral","sentiment_score":0.22928053030261286},{"text":"So that would be, if you look at this graph, the top four.","start":856.13,"end":859.51,"sentiment":"neutral","sentiment_score":0.15466645589241615}],"sentiment":"neutral","sentiment_score":0.2584721279698749,"num_words":86,"start":830.04,"end":859.51},{"sentences":[{"text":"So The US shares, Australian shares, international shares, and property.","start":859.57,"end":863.35,"sentiment":"neutral","sentiment_score":0.07260764874517918},{"text":"Now this graph here takes you back to 1995 through to 2025.","start":863.97,"end":869.755,"sentiment":"neutral","sentiment_score":0.06971299399932225},{"text":"Over the long term, you can see the market always goes up.","start":870.135,"end":873.515,"sentiment":"neutral","sentiment_score":0.07750103808939457},{"text":"The short term, there will be ups and downs and market fluctuations.","start":873.575,"end":876.795,"sentiment":"neutral","sentiment_score":-0.05408480204641819},{"text":"The more growth you have, the most of sorry.","start":877.62,"end":880.10004,"sentiment":"neutral","sentiment_score":0.03754704942305883}],"sentiment":"neutral","sentiment_score":0.03966455805030736,"num_words":55,"start":859.57,"end":880.10004},{"sentences":[{"text":"The more growth assets, the higher fluctuation, but then on a long term, you see a higher growth.","start":880.10004,"end":887.8,"sentiment":"neutral","sentiment_score":0.09834412568145329},{"text":"So at the moment, 90% is in those top 10% in defensive, which will be your bottom three.","start":888.34,"end":896.425,"sentiment":"neutral","sentiment_score":0.12162177678611544},{"text":"A gold of stuff can also sometimes fall into this category, and these are the ones that's kinda, like, stabilized.","start":896.725,"end":902.585,"sentiment":"neutral","sentiment_score":0.11093587316572666},{"text":"You can see that they are still growing, but a lot less, but they're a lot more stable.","start":902.725,"end":907.145,"sentiment":"neutral","sentiment_score":0.16663374275796944},{"text":"So a balanced growth, which is kind of how you came out at the moment, is a more social client that wants some growth out of their superannuation while you are still working and contributing, but you also want a conservative element to your portfolio.","start":909.02,"end":924.82495,"sentiment":"positive","sentiment_score":0.4559200432565477}],"sentiment":"neutral","sentiment_score":0.2495286808732678,"num_words":119,"start":880.10004,"end":924.82495},{"sentences":[{"text":"In terms of and percentage of this one, you have a seventy thirty.","start":925.845,"end":930.90497,"sentiment":"neutral","sentiment_score":0.10652496035282429},{"text":"70 in the top, yeah, 30 in the bottom.","start":931.365,"end":934.745,"sentiment":"neutral","sentiment_score":0.12881403995884788},{"text":"Now we also have one that's in between these two, and that is a growth one.","start":935.285,"end":942.08,"sentiment":"neutral","sentiment_score":0.13078607013449073},{"text":"So a growth is in between where you have about an eighty twenty.","start":942.08,"end":945.86,"sentiment":"neutral","sentiment_score":0.14608931426818555},{"text":"So you have 80 in the top, 20 in the bottom.","start":946.32,"end":950.58,"sentiment":"neutral","sentiment_score":0.17590482600710608}],"sentiment":"neutral","sentiment_score":0.13662648609568995,"num_words":62,"start":925.845,"end":950.58},{"sentences":[{"text":"And it's kind of one step down from where you are right now in terms of a high growth, but a little bit more than you're a little bit more defensive.","start":951.585,"end":959.605,"sentiment":"neutral","sentiment_score":0.13937100095133628},{"text":"So when we are also looking at a time frame, so we wanna make sure that looking at this through, you have enough time in the market, all those fluctuations to come back around.","start":960.465,"end":970.19,"sentiment":"neutral","sentiment_score":0.12065027960959603},{"text":"In a high growth, we wanna say a minimum of eight years to retirement, growth, six years, balance growth, five years.","start":970.81,"end":979.255,"sentiment":"neutral","sentiment_score":0.2574256779182525},{"text":"But it also comes down to what you are comfortable with.","start":979.315,"end":982.535,"sentiment":"neutral","sentiment_score":0.20630999180403622},{"text":"So from those, is there any of those three that you feel more aligned with your values and how you feel?","start":983.63495,"end":991.255,"sentiment":"neutral","sentiment_score":0.27962711382479893}],"sentiment":"neutral","sentiment_score":0.18618753451412007,"num_words":118,"start":951.585,"end":991.255},{"sentences":[{"text":"The top one?","start":996.22,"end":996.94,"sentiment":"neutral","sentiment_score":-0.006540793304642041},{"text":"So okay.","start":996.94,"end":999.44,"sentiment":"neutral","sentiment_score":-0.2039700374007225},{"text":"Yes.","start":999.74,"end":1000.14,"sentiment":"neutral","sentiment_score":0.08559789508581161},{"text":"So are you happy with seeing the 90 the ninety ten, or do you feel more the eighty twenty?","start":1000.14,"end":1009.025,"sentiment":"neutral","sentiment_score":0.13994205468579343},{"text":"The ninety ten?","start":1011.485,"end":1012.28503,"sentiment":"neutral","sentiment_score":0.04450424388051033}],"sentiment":"neutral","sentiment_score":0.08751597182293024,"num_words":28,"start":996.22,"end":1012.28503},{"sentences":[{"text":"Okay.","start":1012.28503,"end":1012.685,"sentiment":"neutral","sentiment_score":0.2492202520370483},{"text":"Perfect.","start":1012.685,"end":1013.165,"sentiment":"positive","sentiment_score":0.5155024528503418},{"text":"So the way that you are at the moment, even though I know that some of the questions for you were that you would feel a little bit more concerned, you would still be comfortable as long as long term, it's not obviously every year.","start":1013.165,"end":1026.7,"sentiment":"neutral","sentiment_score":-0.016240542630354564},{"text":"Like, as long as long term, it continues to go up, you understand that if you are in a high growth, you will have some yes not so good, but then other yes really good.","start":1026.7,"end":1036.545,"sentiment":"neutral","sentiment_score":-0.08973064135227884},{"text":"That's okay.","start":1037.7251,"end":1038.545,"sentiment":"neutral","sentiment_score":0.05772937275469303}],"sentiment":"neutral","sentiment_score":-0.03560970732498737,"num_words":84,"start":1012.28503,"end":1038.545},{"sentences":[{"text":"Exactly.","start":1039.885,"end":1040.385,"sentiment":"neutral","sentiment_score":0.11045318841934204},{"text":"You have plenty of time.","start":1040.765,"end":1042.125,"sentiment":"neutral","sentiment_score":0.1337472379207611},{"text":"Okay.","start":1042.125,"end":1042.525,"sentiment":"neutral","sentiment_score":0.2694651186466217},{"text":"Perfect.","start":1042.525,"end":1043.025,"sentiment":"positive","sentiment_score":0.5376648306846619},{"text":"Now from that, I'm happy to leave you in a high growth portfolio because, yeah, you do have plenty of time as long as yeah.","start":1043.245,"end":1048.93,"sentiment":"positive","sentiment_score":0.47421751737594603}],"sentiment":"positive","sentiment_score":0.4073259776288813,"num_words":33,"start":1039.885,"end":1048.93},{"sentences":[{"text":"Obviously, you understand that throughout time, there will be some ups and downs.","start":1048.93,"end":1052.85,"sentiment":"neutral","sentiment_score":0.0829279229331475},{"text":"Some years will be really, really good, and some, you know, slightly less, but it's also how we then construct and diversify your portfolio to try to minimize that.","start":1052.85,"end":1061.385,"sentiment":"neutral","sentiment_score":0.16279241673905273},{"text":"So we will leave you in a high growth.","start":1061.9451,"end":1064.365,"sentiment":"neutral","sentiment_score":0.3078487018744151},{"text":"Now as we are talking about your portfolio, actually, if you go back to the email, you will then see one where it says a twelve month, hub 24 IRR.","start":1065.385,"end":1078.51,"sentiment":"neutral","sentiment_score":0.07444568326075872},{"text":"Can you see that?","start":1078.81,"end":1080.03,"sentiment":"neutral","sentiment_score":0.050079112872481346}],"sentiment":"neutral","sentiment_score":0.1294513923499514,"num_words":85,"start":1048.93,"end":1080.03},{"sentences":[{"text":"Yep.","start":1080.5701,"end":1080.9701,"sentiment":"neutral","sentiment_score":0.15465056896209717},{"text":"Perfect.","start":1080.9701,"end":1081.29,"sentiment":"positive","sentiment_score":0.33684414625167847},{"text":"If you wanna open that one for me.","start":1081.29,"end":1083.0701,"sentiment":"neutral","sentiment_score":0.1779438741505146},{"text":"Yep.","start":1084.81,"end":1085.31,"sentiment":"neutral","sentiment_score":0.07004635035991669},{"text":"Now this one can look a little bit messy, but it basically breaks down all your investments and how they have performed and what's happened in the last twelve months.","start":1085.4501,"end":1094.295,"sentiment":"neutral","sentiment_score":0.03225343686838945}],"sentiment":"neutral","sentiment_score":0.07201695523974372,"num_words":41,"start":1080.5701,"end":1094.295},{"sentences":[{"text":"So I kind of touched on it briefly, but the last twelve months, we've obviously seen a bit of fluctuations in the market.","start":1094.755,"end":1100.1951,"sentiment":"neutral","sentiment_score":-0.05036480627630068},{"text":"So first, you had obviously everything in The US with Trump and the tariffs and everything, and more recently, obviously, the war.","start":1100.1951,"end":1106.95,"sentiment":"neutral","sentiment_score":-0.05782462080771273},{"text":"So we have seen quite a bit of fluctuations in the last twelve months.","start":1106.95,"end":1110.41,"sentiment":"neutral","sentiment_score":-0.07596438298267978},{"text":"Despite that, though, your portfolio has still overall held up pretty good.","start":1111.67,"end":1116.255,"sentiment":"neutral","sentiment_score":0.29299651086330414},{"text":"So in the last twelve months, after fees or after all fees have come out of your account, your portfolio is still up, and it's up by about 6.73%, which is not too bad, yeah, given what's happened in the market.","start":1116.335,"end":1133.22,"sentiment":"neutral","sentiment_score":0.241027526739167}],"sentiment":"neutral","sentiment_score":0.08842904609628022,"num_words":112,"start":1094.755,"end":1133.22},{"sentences":[{"text":"Now on that as well, you can see if you scroll through yeah.","start":1134.08,"end":1138.72,"sentiment":"neutral","sentiment_score":0.09955107477995065},{"text":"On the first page here, you can see on the second column to the right where it says the internal rate of return.","start":1138.72,"end":1145.94,"sentiment":"neutral","sentiment_score":0.08216080150526503},{"text":"Can you see that?","start":1146.08,"end":1147.22,"sentiment":"neutral","sentiment_score":0.05855265352874994},{"text":"Yep.","start":1148.275,"end":1148.675,"sentiment":"neutral","sentiment_score":0.15495538711547852},{"text":"Now this is how your individual investment has performed.","start":1148.675,"end":1151.255,"sentiment":"neutral","sentiment_score":0.33253691262669033}],"sentiment":"neutral","sentiment_score":0.1313172124326229,"num_words":50,"start":1134.08,"end":1151.255},{"sentences":[{"text":"So the ones in the brackets are down.","start":1151.795,"end":1154.775,"sentiment":"positive","sentiment_score":0.42561689019203186},{"text":"The other ones are positive.","start":1154.995,"end":1156.535,"sentiment":"positive","sentiment_score":0.5620777487754822},{"text":"So you can yeah.","start":1157.635,"end":1159.735,"sentiment":"positive","sentiment_score":0.3802410513162613},{"text":"It's insane.","start":1162.74,"end":1163.64,"sentiment":"positive","sentiment_score":0.7239510118961334},{"text":"And that's your Global X battery tech and lithium.","start":1163.7,"end":1167.24,"sentiment":"positive","sentiment_score":0.37667376465267605}],"sentiment":"positive","sentiment_score":0.4490804991551808,"num_words":28,"start":1151.795,"end":1167.24},{"sentences":[{"text":"Obviously, fuel prices moving to electric vehicles and the batteries and stuff like that.","start":1167.46,"end":1172.98,"sentiment":"neutral","sentiment_score":0.18401488395673887},{"text":"That one has gone through the roof.","start":1172.98,"end":1174.745,"sentiment":"positive","sentiment_score":0.4863399182047163},{"text":"So that one has been crazy.","start":1174.805,"end":1176.345,"sentiment":"neutral","sentiment_score":0.24107965578635535},{"text":"Yes.","start":1177.365,"end":1177.845,"sentiment":"neutral","sentiment_score":0.12466782331466676},{"text":"You can also see Asia, the Asia 50, then about 72%.","start":1177.845,"end":1182.505,"sentiment":"neutral","sentiment_score":0.11395443704995242}],"sentiment":"neutral","sentiment_score":0.22577518893358034,"num_words":39,"start":1167.46,"end":1182.505},{"sentences":[{"text":"But you can also see that the way that your portfolio is constructed is they balance each other.","start":1182.805,"end":1187.365,"sentiment":"neutral","sentiment_score":0.07270231366985375},{"text":"So there'll be some areas where not doing as well where other areas are doing really well.","start":1187.365,"end":1193.44,"sentiment":"neutral","sentiment_score":0.010385964723194347},{"text":"So, obviously, as things do happen in the world and the market, you won't have as much of an impact because you'll kind of negate each other in a in a way.","start":1193.58,"end":1201.76,"sentiment":"neutral","sentiment_score":-0.007316216942854226},{"text":"One thing I do wanna highlight is we obviously do a lot of research on your investments all the time, and we wanna make sure that at all points in time, we have you in the best options possible, and things are ever changing.","start":1202.865,"end":1212.5651,"sentiment":"neutral","sentiment_score":0.18686907941644842},{"text":"So we've done a lot of research at the moment on your top one, which is the Benelong Australian Equity.","start":1213.185,"end":1219.12,"sentiment":"neutral","sentiment_score":0.10712343119084836}],"sentiment":"neutral","sentiment_score":0.08867016963603842,"num_words":131,"start":1182.805,"end":1219.12},{"sentences":[{"text":"And this is one that's down at the moment.","start":1220.38,"end":1222.38,"sentiment":"neutral","sentiment_score":-0.05202852893206808},{"text":"So when you came on board and up until quite recently, it's done really, really well.","start":1222.38,"end":1227.1799,"sentiment":"neutral","sentiment_score":0.20476783579215407},{"text":"It was one of the top performing fund managers, and the function behind that one investment is to kind of actively buy and sell different investments in order to kinda outperform the market.","start":1227.1799,"end":1239.035,"sentiment":"neutral","sentiment_score":0.14702832969752225},{"text":"Now more recently, they've been a little bit slower in terms of making those decisions, and they've kind of underperformed a little bit.","start":1239.975,"end":1248.9,"sentiment":"neutral","sentiment_score":-0.19282820837005324},{"text":"So what I would like to do, if you are happy for me to do so, is to do a little bit more in-depth on that investment and put together a proposal to see if we can swap this one out something else that's going to do a little bit better for you moving forward.","start":1248.96,"end":1262.8651,"sentiment":"neutral","sentiment_score":0.09546057297424837}],"sentiment":"neutral","sentiment_score":0.06231798686306266,"num_words":136,"start":1220.38,"end":1262.8651},{"sentences":[{"text":"Would you be happy for me to do that?","start":1263.245,"end":1265.1051,"sentiment":"neutral","sentiment_score":0.17334971908066008},{"text":"Yep.","start":1265.9651,"end":1266.4651,"sentiment":"neutral","sentiment_score":-0.005346754100173712},{"text":"Yep.","start":1266.685,"end":1267.185,"sentiment":"positive","sentiment_score":0.4628178775310517},{"text":"Perfect.","start":1267.245,"end":1267.745,"sentiment":"positive","sentiment_score":0.721163272857666},{"text":"Now it will take me about a week or so to put together the research.","start":1268.285,"end":1273.425,"sentiment":"neutral","sentiment_score":0.30915768444538116}],"sentiment":"neutral","sentiment_score":0.2731906346183408,"num_words":27,"start":1263.245,"end":1273.425},{"sentences":[{"text":"I will then put together a proposal for you, go through it with you, and then you can let me know if you are happy with the change.","start":1273.88,"end":1280.8601,"sentiment":"positive","sentiment_score":0.355147797614336},{"text":"So when is typically a best time for you to to go through that, Tony?","start":1281.64,"end":1288.06,"sentiment":"neutral","sentiment_score":0.05344087953368823},{"text":"Okay.","start":1293.8351,"end":1294.155,"sentiment":"neutral","sentiment_score":0.04391597956418991},{"text":"Let me have a look.","start":1294.155,"end":1295.4551,"sentiment":"neutral","sentiment_score":0.03579051084816456},{"text":"So about 03:00.","start":1298.155,"end":1299.935,"sentiment":"neutral","sentiment_score":0.024877540146311123}],"sentiment":"neutral","sentiment_score":0.21237024385482073,"num_words":52,"start":1273.88,"end":1299.935},{"sentences":[{"text":"Now let me have a look because in our afternoon's still up very, very quickly.","start":1300.5499,"end":1304.73,"sentiment":"neutral","sentiment_score":0.0557205098370711},{"text":"Let me see.","start":1306.23,"end":1307.35,"sentiment":"neutral","sentiment_score":0.02670851970712344},{"text":"Now I could do 3PM on Tuesday, May 12 Going about Would that would that work?","start":1307.35,"end":1316.225,"sentiment":"neutral","sentiment_score":0.024628237501019612},{"text":"Yeah.","start":1316.445,"end":1316.945,"sentiment":"neutral","sentiment_score":0.02364854142069817},{"text":"Okay.","start":1317.6449,"end":1318.1449,"sentiment":"neutral","sentiment_score":0.22772595286369324}],"sentiment":"neutral","sentiment_score":0.04337109724939284,"num_words":36,"start":1300.5499,"end":1318.1449},{"sentences":[{"text":"Perfect.","start":1318.445,"end":1318.945,"sentiment":"positive","sentiment_score":0.42508140206336975},{"text":"So I will book that in.","start":1319.085,"end":1320.5449,"sentiment":"neutral","sentiment_score":0.31199582914511365},{"text":"Now if anything does change and you can't make the appointment or work or anything, just let me know, and I'll see if I can shuffle a few things around for you.","start":1320.6849,"end":1329.5049,"sentiment":"neutral","sentiment_score":0.12772443471476436},{"text":"Would you like a reminder text sent, like, two hours before in case, you know, something happens or you forget?","start":1330.5801,"end":1336.68,"sentiment":"neutral","sentiment_score":0.060452463943511246},{"text":"Yeah.","start":1338.26,"end":1338.76,"sentiment":"neutral","sentiment_score":0.08778296411037445}],"sentiment":"neutral","sentiment_score":0.12801784217978518,"num_words":60,"start":1318.445,"end":1338.76},{"sentences":[{"text":"Yeah.","start":1339.3,"end":1339.7001,"sentiment":"neutral","sentiment_score":0.29722103476524353},{"text":"Perfect.","start":1339.7001,"end":1340.18,"sentiment":"positive","sentiment_score":0.5333915948867798},{"text":"I'll do that.","start":1340.18,"end":1341.0801,"sentiment":"positive","sentiment_score":0.4479925334453583},{"text":"But, otherwise, as a whole, like I said, it's done pretty good considering the last twelve months.","start":1342.1001,"end":1347.225,"sentiment":"positive","sentiment_score":0.46162713099928465},{"text":"So happy with that.","start":1347.225,"end":1348.525,"sentiment":"positive","sentiment_score":0.56218121945858}],"sentiment":"positive","sentiment_score":0.47196062826193297,"num_words":26,"start":1339.3,"end":1348.525},{"sentences":[{"text":"Now if you wanna go back to your email for me and if you wanna open the one where it says super and insurance summary, if you could open that one for me and let me know if you can see that.","start":1350.745,"end":1363.38,"sentiment":"neutral","sentiment_score":-0.008545820556935809},{"text":"Yep.","start":1364.56,"end":1365.06,"sentiment":"neutral","sentiment_score":0.09456925094127656},{"text":"Perfect.","start":1365.2001,"end":1365.7001,"sentiment":"neutral","sentiment_score":0.22532320022583008},{"text":"Now you can see here that you obviously have your superannuation with HUB24.","start":1367.2001,"end":1371.06,"sentiment":"neutral","sentiment_score":0.07808552080622086},{"text":"You can see that you do have about $78,614 in there.","start":1371.675,"end":1376.4951,"sentiment":"neutral","sentiment_score":0.05344834720546549}],"sentiment":"neutral","sentiment_score":0.023000170257599914,"num_words":68,"start":1350.745,"end":1376.4951},{"sentences":[{"text":"And then underneath that, you can see your insurances.","start":1376.875,"end":1380.255,"sentiment":"neutral","sentiment_score":0.034038875045047864},{"text":"So with your insurances, you have life and total permanent disability.","start":1381.3551,"end":1386.255,"sentiment":"neutral","sentiment_score":-0.012828598195813935},{"text":"Now you do have 551,250 worth of life and TTD.","start":1388.06,"end":1394.8,"sentiment":"neutral","sentiment_score":0.031419527065008876},{"text":"Are you still happy with those level of coverage?","start":1395.5,"end":1397.9,"sentiment":"neutral","sentiment_score":0.33325373298592037},{"text":"Do you still think that would meet, you know, your needs if something were to happen and you can't work?","start":1397.9,"end":1402.48,"sentiment":"neutral","sentiment_score":-0.06166449896991253}],"sentiment":"neutral","sentiment_score":0.038058037006383036,"num_words":59,"start":1376.875,"end":1402.48},{"sentences":[{"text":"Yep.","start":1406.7749,"end":1407.1749,"sentiment":"neutral","sentiment_score":0.24007725715637207},{"text":"Yep.","start":1407.1749,"end":1407.6749,"sentiment":"neutral","sentiment_score":0.24312888085842133},{"text":"Yeah.","start":1407.735,"end":1408.235,"sentiment":"neutral","sentiment_score":0.26184341311454773},{"text":"And because you don't have any debts, you don't have to worry about, you know, clearing out any outstanding debt or credit cards or personal loans or anything.","start":1408.2949,"end":1415.22,"sentiment":"neutral","sentiment_score":0.24453697885785783},{"text":"So that would mainly be, obviously, if you can't go back to work, a bit of a lump sum to help, obviously, assist with, if you can't go back to work, if if you ever were to become TPD or, obviously, life insurance is sent for for your children if something were to happen.","start":1415.46,"end":1431.255,"sentiment":"neutral","sentiment_score":0.15191804507264384}],"sentiment":"neutral","sentiment_score":0.18583128697731915,"num_words":85,"start":1406.7749,"end":1431.255},{"sentences":[{"text":"There's also your super on top of that if something ever were to happen.","start":1431.795,"end":1435.735,"sentiment":"neutral","sentiment_score":0.1294103991240263},{"text":"And with your income protection, that will be a monthly amount of $4,667 per month.","start":1437.155,"end":1446.58,"sentiment":"neutral","sentiment_score":0.19156316717465718},{"text":"You have a thirty day waiting period and a five year benefit period.","start":1447.68,"end":1452.9,"sentiment":"neutral","sentiment_score":0.19978787692693564},{"text":"Are you still happy with that level of cover and everything like that as well?","start":1454.48,"end":1458.66,"sentiment":"neutral","sentiment_score":0.3053486406803131},{"text":"Correct.","start":1467.895,"end":1468.395,"sentiment":"neutral","sentiment_score":0.07703865319490433}],"sentiment":"neutral","sentiment_score":0.20585696135872397,"num_words":58,"start":1431.795,"end":1468.395},{"sentences":[{"text":"Now now the way that the income, yeah, the way that the income protection does work, which I do wanna flag with you, is that it is a percentage of your income at the time of claim.","start":1469.735,"end":1484.33,"sentiment":"neutral","sentiment_score":0.0748283114485644},{"text":"So it is 70% of your income you can be covered full.","start":1484.95,"end":1489.485,"sentiment":"neutral","sentiment_score":0.10505738543967406},{"text":"So something to be mindful of is because your income has slightly decreased, not by a lot, but still a little bit, what would happen is if you were to go and claim tomorrow, so let's say 65,000, 70% of that on a monthly basis is 3,791.","start":1490.0249,"end":1510.515,"sentiment":"neutral","sentiment_score":-0.03662370394994604},{"text":"Even though, yeah, even though you're paying for 4,667, if something were to happen tomorrow, you could only get 3,791.","start":1511.3151,"end":1522.375,"sentiment":"neutral","sentiment_score":-0.06241803760640323},{"text":"Yep.","start":1524.53,"end":1525.01,"sentiment":"neutral","sentiment_score":0.08954185247421265}],"sentiment":"neutral","sentiment_score":0.009822249261296203,"num_words":117,"start":1469.735,"end":1525.01},{"sentences":[{"text":"So there are two options.","start":1525.01,"end":1526.63,"sentiment":"neutral","sentiment_score":0.14615280479192733},{"text":"We can look at reducing it for you, so reduce it to match your current income.","start":1526.85,"end":1531.67,"sentiment":"neutral","sentiment_score":0.12009619502350688},{"text":"It will make the premium a little bit cheaper.","start":1532.2101,"end":1534.87,"sentiment":"positive","sentiment_score":0.35933047864172196},{"text":"The only thing I do wanna stress is that if anything were to change with your income and your income was to go up, what would happen then is if you wanted to go and increase your cover again, it might be a little bit difficult.","start":1535.0901,"end":1550.6951,"sentiment":"neutral","sentiment_score":-0.054265059328273586},{"text":"For the insurance point of view, it's super easy to decrease.","start":1550.6951,"end":1553.2799,"sentiment":"neutral","sentiment_score":0.026579454202543606}],"sentiment":"neutral","sentiment_score":0.04232711171538665,"num_words":87,"start":1525.01,"end":1553.2799},{"sentences":[{"text":"It's just a quick form.","start":1553.2799,"end":1554.24,"sentiment":"neutral","sentiment_score":0.1404418781399727},{"text":"They take on less risk.","start":1554.24,"end":1555.6799,"sentiment":"positive","sentiment_score":0.34244692921638487},{"text":"They're happy.","start":1555.6799,"end":1556.4199,"sentiment":"positive","sentiment_score":0.5842105597257614},{"text":"If you wanna increase it so let's say we do decrease it to $3.07, and then in a year's time, you go, no.","start":1557.2,"end":1565.12,"sentiment":"neutral","sentiment_score":0.038100875104251114},{"text":"My my income has gone up.","start":1565.12,"end":1566.675,"sentiment":"neutral","sentiment_score":-0.030683547258377075}],"sentiment":"neutral","sentiment_score":0.10427034146538595,"num_words":41,"start":1553.2799,"end":1566.675},{"sentences":[{"text":"I'm now I now wanna up it.","start":1566.8351,"end":1568.8551,"sentiment":"neutral","sentiment_score":0.04432461570416178},{"text":"What would happen then is we would have to go through that whole underwriting process again, and then insurers will assess your risk.","start":1570.115,"end":1576.535,"sentiment":"neutral","sentiment_score":-0.06325238408601802},{"text":"And if anything has changed with your health or anything or if you take up a super risky occupation or a hobby or anything, there is a chance that they might decline it or put restrictions on it.","start":1576.995,"end":1590.76,"sentiment":"neutral","sentiment_score":-0.12405296434697352},{"text":"So it's ultimately up to you if you think that your income will potentially go up with time, we can leave it as as long as you know that if something were to happen tomorrow, you are technically paying for a little bit more than you can get.","start":1591.14,"end":1608.945,"sentiment":"neutral","sentiment_score":-0.04204542888328433},{"text":"What are your thoughts on that?","start":1611.33,"end":1612.79,"sentiment":"neutral","sentiment_score":-0.002910877267519633}],"sentiment":"neutral","sentiment_score":-0.06470648376423804,"num_words":122,"start":1566.8351,"end":1612.79},{"sentences":[{"text":"Yes.","start":1616.53,"end":1617.03,"sentiment":"neutral","sentiment_score":0.09529219567775726},{"text":"Yes.","start":1617.65,"end":1618.15,"sentiment":"neutral","sentiment_score":0.10007937252521516},{"text":"I I agree.","start":1618.81,"end":1620.53,"sentiment":"neutral","sentiment_score":0.10463037838538487},{"text":"I think I think it's better to be slightly over insured if especially with income income tax, especially if you do think that, you know, you might get little pay increases here, there, or things change.","start":1620.53,"end":1630.975,"sentiment":"neutral","sentiment_score":-0.09966411193211873},{"text":"If you were to say, no.","start":1631.755,"end":1632.9551,"sentiment":"neutral","sentiment_score":-0.047988283447921276}],"sentiment":"neutral","sentiment_score":-0.0716292558911633,"num_words":47,"start":1616.53,"end":1632.9551},{"sentences":[{"text":"I'm I'm dropping my hours, and I'm gonna have less and less income, especially, like, as you get older, then we can look at reducing it.","start":1632.9551,"end":1640.25,"sentiment":"neutral","sentiment_score":-0.09167931028283559},{"text":"But I think at the moment, it's good.","start":1640.25,"end":1642.4099,"sentiment":"neutral","sentiment_score":0.2582928519695997},{"text":"And then once we do yeah.","start":1642.4099,"end":1643.9299,"sentiment":"neutral","sentiment_score":0.09012961946427822},{"text":"And then once we do get rid of those smokers right for you in about six months, then that will significantly reduce the premium altogether as well.","start":1643.9299,"end":1651.995,"sentiment":"neutral","sentiment_score":0.3219332374908306},{"text":"Yep.","start":1653.355,"end":1653.855,"sentiment":"positive","sentiment_score":0.4585564732551574}],"sentiment":"neutral","sentiment_score":0.1378560639808283,"num_words":68,"start":1632.9551,"end":1653.855},{"sentences":[{"text":"Great.","start":1653.915,"end":1654.315,"sentiment":"positive","sentiment_score":0.7925313711166382},{"text":"Perfect.","start":1654.315,"end":1654.815,"sentiment":"positive","sentiment_score":0.6902753114700317},{"text":"Now, otherwise, you will see in the email, you will see where two documents were assessed, COC.","start":1656.235,"end":1663.215,"sentiment":"neutral","sentiment_score":0.14139221696292653},{"text":"Can you see that?","start":1663.355,"end":1664.415,"sentiment":"neutral","sentiment_score":0.07892395183444023},{"text":"Let me just open it now.","start":1666.85,"end":1668.0499,"sentiment":"neutral","sentiment_score":0.08672913163900375}],"sentiment":"neutral","sentiment_score":0.1628463782113174,"num_words":29,"start":1653.915,"end":1668.0499},{"sentences":[{"text":"That is just your insurance broken down in a little bit more detail for you.","start":1668.0499,"end":1674.85,"sentiment":"neutral","sentiment_score":0.15810289134581884},{"text":"So you will have one that just breaks down your life and your total permanent disability.","start":1674.85,"end":1680.8049,"sentiment":"neutral","sentiment_score":0.1739775873720646},{"text":"It just lets you know that everything is paid and up to date, and then one is that income protection for you.","start":1681.9049,"end":1687.6849,"sentiment":"neutral","sentiment_score":0.19226024333726277},{"text":"Yep.","start":1689.4249,"end":1689.9249,"sentiment":"neutral","sentiment_score":0.0595000684261322},{"text":"Yep.","start":1690.065,"end":1690.56,"sentiment":"neutral","sentiment_score":0.07176891714334488}],"sentiment":"neutral","sentiment_score":0.17302143831144678,"num_words":55,"start":1668.0499,"end":1690.56},{"sentences":[{"text":"Yeah.","start":1698.3201,"end":1698.8201,"sentiment":"neutral","sentiment_score":0.12869663536548617},{"text":"The only way you can usually it's you can see product name, and then so that usually tells us what it is.","start":1698.88,"end":1707.145,"sentiment":"neutral","sentiment_score":0.12464449283751575},{"text":"And then, also, you can see, like, policy type.","start":1707.2849,"end":1709.845,"sentiment":"neutral","sentiment_score":0.1345440795024236},{"text":"So it's quite easy for us to see, but, yes, you can basically if you scroll down, you can even see on the one where it ends with nine four four, you can see where it says income income protection occupation group.","start":1709.845,"end":1723.35,"sentiment":"neutral","sentiment_score":0.16301920406875156},{"text":"So that's an income protection.","start":1723.41,"end":1724.95,"sentiment":"neutral","sentiment_score":0.12545461505651473}],"sentiment":"neutral","sentiment_score":0.14627660556307323,"num_words":79,"start":1698.3201,"end":1724.95},{"sentences":[{"text":"The other one is your life and TKD.","start":1725.57,"end":1727.83,"sentiment":"neutral","sentiment_score":0.05393110075965524},{"text":"But it's not much you have to worry about, but just basically, it's there for your reference.","start":1728.2899,"end":1732.47,"sentiment":"neutral","sentiment_score":0.14410017956705654},{"text":"And, yeah, everything is paid and up to date for you.","start":1733.2251,"end":1735.7251,"sentiment":"neutral","sentiment_score":0.24593334577300333},{"text":"Yep.","start":1736.8251,"end":1737.3251,"sentiment":"neutral","sentiment_score":0.168931782245636},{"text":"Perfect.","start":1737.4651,"end":1737.9651,"sentiment":"positive","sentiment_score":0.3511556386947632}],"sentiment":"neutral","sentiment_score":0.16069752850422733,"num_words":38,"start":1725.57,"end":1737.9651},{"sentences":[{"text":"Now the other two documents you will see is your financial services guide version four, and then you also have the Oakview services guide version one.","start":1738.905,"end":1750.37,"sentiment":"neutral","sentiment_score":0.09065280123971976},{"text":"If you want through so the financial services guide version two is just kind of like a a smaller version, which is some important information.","start":1751.47,"end":1758.6849,"sentiment":"neutral","sentiment_score":0.04151242285966873},{"text":"It's similar to what you have been sent before, just a bit of an updated version.","start":1758.6849,"end":1762.945,"sentiment":"neutral","sentiment_score":0.06912027229554951},{"text":"But if you wanna open the OTU services guide version one for me.","start":1763.1649,"end":1767.345,"sentiment":"neutral","sentiment_score":0.05603215843439102},{"text":"Yep.","start":1769.4199,"end":1769.9199,"sentiment":"neutral","sentiment_score":0.05011415481567383}],"sentiment":"neutral","sentiment_score":0.06517580215945656,"num_words":81,"start":1738.905,"end":1769.9199},{"sentences":[{"text":"Now, again, you probably have seen a couple of these.","start":1769.98,"end":1772.72,"sentiment":"neutral","sentiment_score":0.013830622099339962},{"text":"Had some changes.","start":1773.02,"end":1774.0,"sentiment":"neutral","sentiment_score":-0.03399487088123957},{"text":"None of the important information has changed.","start":1774.0599,"end":1776.48,"sentiment":"neutral","sentiment_score":-0.10081125689404351},{"text":"It's all the same.","start":1776.78,"end":1778.0,"sentiment":"neutral","sentiment_score":0.028861689381301403},{"text":"But everything that you do need to know is in there for you.","start":1778.38,"end":1781.52,"sentiment":"neutral","sentiment_score":0.26971551088186413}],"sentiment":"neutral","sentiment_score":0.0797943570021842,"num_words":37,"start":1769.98,"end":1781.52},{"sentences":[{"text":"As you scroll through as well, you will actually see we've had a bit of an extension to the team, which is good.","start":1781.785,"end":1787.725,"sentiment":"positive","sentiment_score":0.4629683546397997},{"text":"And if you want to scroll down to page let's see here.","start":1788.505,"end":1794.685,"sentiment":"neutral","sentiment_score":0.1425316029538711},{"text":"10.","start":1797.42,"end":1797.92,"sentiment":"neutral","sentiment_score":0.035329073667526245},{"text":"Yep.","start":1799.9,"end":1800.4,"sentiment":"neutral","sentiment_score":0.1691443920135498},{"text":"You will see a photo of myself there, and sometimes it is nice to put a face to the voice.","start":1801.26,"end":1806.48,"sentiment":"neutral","sentiment_score":0.24085982143878937}],"sentiment":"neutral","sentiment_score":0.3049179173091002,"num_words":57,"start":1781.785,"end":1806.48},{"sentences":[{"text":"Yeah.","start":1807.8351,"end":1808.3351,"sentiment":"neutral","sentiment_score":0.132991224527359},{"text":"But yeah.","start":1809.8351,"end":1810.5751,"sentiment":"neutral","sentiment_score":0.10111556202173233},{"text":"Yeah.","start":1810.635,"end":1811.035,"sentiment":"neutral","sentiment_score":0.1260436326265335},{"text":"Exactly.","start":1811.035,"end":1811.535,"sentiment":"neutral","sentiment_score":0.17125725746154785},{"text":"Now the last thing here, Tony, is if you're happy to do so, if you wanna click on the link where it says sign now, it will just ask you to sign through documents.","start":1812.875,"end":1822.495,"sentiment":"neutral","sentiment_score":0.1826413129182423}],"sentiment":"neutral","sentiment_score":0.17544430456100366,"num_words":39,"start":1807.8351,"end":1822.495},{"sentences":[{"text":"Now the first one it should ask you to sign is an ongoing service agreement.","start":1823.94,"end":1831.32,"sentiment":"neutral","sentiment_score":0.09158054913083712},{"text":"Can you see that?","start":1832.1,"end":1833.32,"sentiment":"neutral","sentiment_score":0.06788276229053736},{"text":"Yep.","start":1837.075,"end":1837.475,"sentiment":"neutral","sentiment_score":0.04121372103691101},{"text":"No.","start":1837.475,"end":1837.635,"sentiment":"neutral","sentiment_score":-0.0068304166197776794},{"text":"That's okay.","start":1837.635,"end":1838.375,"sentiment":"neutral","sentiment_score":0.05066358298063278}],"sentiment":"neutral","sentiment_score":0.07743259810883066,"num_words":23,"start":1823.94,"end":1838.375},{"sentences":[{"text":"Let me see.","start":1858.78,"end":1859.5,"sentiment":"neutral","sentiment_score":0.09974306573470433},{"text":"It may have been yep.","start":1859.5,"end":1864.695,"sentiment":"neutral","sentiment_score":0.07397667951881885},{"text":"Sorry.","start":1864.695,"end":1864.9349,"sentiment":"neutral","sentiment_score":0.07356983423233032},{"text":"It looks like you already signed it, which is great, but I do wanna just let you know what you signed.","start":1864.9349,"end":1869.915,"sentiment":"neutral","sentiment_score":0.2563813428084056},{"text":"So there was two documents.","start":1870.535,"end":1872.155,"sentiment":"neutral","sentiment_score":0.17031714022159578}],"sentiment":"neutral","sentiment_score":0.19937932368900094,"num_words":35,"start":1858.78,"end":1872.155},{"sentences":[{"text":"One was their ongoing service agreement.","start":1872.615,"end":1874.875,"sentiment":"neutral","sentiment_score":0.1281320365766684},{"text":"Now that is just to say that you are happy to stay on a sick claim.","start":1875.42,"end":1878.88,"sentiment":"neutral","sentiment_score":0.3270024163648486},{"text":"Now there is no changes in regards to the advise fee.","start":1879.3401,"end":1883.02,"sentiment":"neutral","sentiment_score":0.10516836020079526},{"text":"It stays exactly the same at 1.65 from Super.","start":1883.02,"end":1886.9601,"sentiment":"neutral","sentiment_score":0.27246204018592834},{"text":"It is not a lock in contract at any point in time either.","start":1887.2749,"end":1890.235,"sentiment":"neutral","sentiment_score":0.08154222999627773}],"sentiment":"neutral","sentiment_score":0.19399800354784186,"num_words":55,"start":1872.615,"end":1890.235},{"sentences":[{"text":"So if there's ever a situation where you're not happy, it is not a lock in contract.","start":1890.235,"end":1894.0149,"sentiment":"neutral","sentiment_score":0.08675638893071343},{"text":"So this essentially just lets you, you know, service your account and everything in the meantime.","start":1894.235,"end":1898.735,"sentiment":"neutral","sentiment_score":0.2670852290466428},{"text":"And it is something you do have to sign every year just to make sure you are happy with everything.","start":1899.0349,"end":1903.17,"sentiment":"neutral","sentiment_score":0.3160262547433376},{"text":"And then the second one was just a tax file compliance form just to say that we are keeping your tax file number secure on file.","start":1904.2101,"end":1913.03,"sentiment":"neutral","sentiment_score":0.2532862860422868},{"text":"Now everything is also then saved to your folder as well.","start":1913.49,"end":1918.39,"sentiment":"neutral","sentiment_score":0.2882567129351876}],"sentiment":"neutral","sentiment_score":0.2425001627869076,"num_words":90,"start":1890.235,"end":1918.39},{"sentences":[{"text":"So it should allow you to download something if you wanted to, or does it say what can you see on your side?","start":1918.475,"end":1925.935,"sentiment":"neutral","sentiment_score":0.21490704883699832},{"text":"Yeah.","start":1927.515,"end":1928.015,"sentiment":"neutral","sentiment_score":0.2539645731449127},{"text":"So if it is there, you have access to download them.","start":1928.3151,"end":1931.22,"sentiment":"neutral","sentiment_score":0.2036957009272142},{"text":"If not, I always have a copy on file.","start":1931.22,"end":1932.82,"sentiment":"neutral","sentiment_score":0.17300429360734093},{"text":"So if you ever want a copy or anything of of any of those documents, I have a copy on file for you.","start":1932.82,"end":1938.12,"sentiment":"neutral","sentiment_score":0.228508156278859}],"sentiment":"neutral","sentiment_score":0.21268963646977695,"num_words":67,"start":1918.475,"end":1938.12},{"sentences":[{"text":"Otherwise, I have you booked in on Tuesday, May 12 at 3PM to go over the research and those investment changes for you.","start":1940.1,"end":1949.665,"sentiment":"positive","sentiment_score":0.41723313668499823},{"text":"Do you have any other questions or anything else for me otherwise before I let you go this afternoon?","start":1950.605,"end":1955.425,"sentiment":"neutral","sentiment_score":0.13952145764702245},{"text":"Okay.","start":1963.96,"end":1964.36,"sentiment":"neutral","sentiment_score":-0.09822438657283784},{"text":"Let me have a look.","start":1964.36,"end":1965.6599,"sentiment":"neutral","sentiment_score":-0.05881622210144997},{"text":"Is that the one where it said there on which document was that?","start":1968.76,"end":1972.2,"sentiment":"neutral","sentiment_score":-0.06421962810250428}],"sentiment":"neutral","sentiment_score":0.18065752748583183,"num_words":61,"start":1940.1,"end":1972.2},{"sentences":[{"text":"Just so I can let the team know.","start":1972.2,"end":1974.14,"sentiment":"neutral","sentiment_score":-0.02567822765558958},{"text":"Alright.","start":1977.7151,"end":1978.1151,"sentiment":"neutral","sentiment_score":0.05515454337000847},{"text":"Let me have a look.","start":1978.1151,"end":1979.3351,"sentiment":"neutral","sentiment_score":0.03256855458021164},{"text":"3328.","start":1986.275,"end":1987.4951,"sentiment":"neutral","sentiment_score":0.022083675488829613},{"text":"Yes.","start":1991.4299,"end":1991.75,"sentiment":"neutral","sentiment_score":0.07259315252304077}],"sentiment":"neutral","sentiment_score":0.006703020189888775,"num_words":16,"start":1972.2,"end":1991.75},{"sentences":[{"text":"I can see that.","start":1991.75,"end":1992.89,"sentiment":"neutral","sentiment_score":0.0671805776655674},{"text":"Let me check what's in your account because, usually, it's pulled directly from from hub.","start":1995.35,"end":1998.7899,"sentiment":"neutral","sentiment_score":0.03872275960942109},{"text":"Have you recently changed phone numbers at all?","start":1998.7899,"end":2001.735,"sentiment":"neutral","sentiment_score":-0.03266660310328007},{"text":"Okay.","start":2005.415,"end":2005.815,"sentiment":"neutral","sentiment_score":0.034213267266750336},{"text":"Let me see.","start":2005.815,"end":2006.715,"sentiment":"neutral","sentiment_score":0.03859657173355421}],"sentiment":"neutral","sentiment_score":0.02381399556273414,"num_words":31,"start":1991.75,"end":2006.715},{"sentences":[{"text":"Just what's on your account.","start":2009.735,"end":2011.355,"sentiment":"neutral","sentiment_score":0.02979539632797241},{"text":"Because this pulls it directly from your hub twenty four, and they need to match in order for us to do it.","start":2011.655,"end":2018.71,"sentiment":"neutral","sentiment_score":0.014967713928358122},{"text":"So let me have a look here.","start":2018.71,"end":2021.37,"sentiment":"neutral","sentiment_score":0.035060473318610876},{"text":"Yes.","start":2023.4299,"end":2023.75,"sentiment":"neutral","sentiment_score":0.08154568076133728},{"text":"Okay.","start":2023.75,"end":2024.07,"sentiment":"neutral","sentiment_score":0.05926571041345596}],"sentiment":"neutral","sentiment_score":0.024013927568578057,"num_words":36,"start":2009.735,"end":2024.07},{"sentences":[{"text":"So I can see that the contact details on your hub twenty four has your old mobile.","start":2024.07,"end":2028.73,"sentiment":"neutral","sentiment_score":0.013345461886595278},{"text":"So what we'll do is if you have it for us to do so, we can still submit the one that you've just signed because it matched.","start":2029.5449,"end":2035.3049,"sentiment":"neutral","sentiment_score":0.15683642636846612},{"text":"So hub twenty four will verify it.","start":2035.3049,"end":2037.385,"sentiment":"neutral","sentiment_score":0.12131254907165255},{"text":"But I will make a note through as soon as that's been verified.","start":2037.385,"end":2040.125,"sentiment":"neutral","sentiment_score":0.13250396859187347},{"text":"I will let the admin team know to go and update your phone number to the one I'm calling through right now.","start":2040.1849,"end":2046.7,"sentiment":"neutral","sentiment_score":0.15255251560698857}],"sentiment":"neutral","sentiment_score":0.12080640863453926,"num_words":86,"start":2024.07,"end":2046.7},{"sentences":[{"text":"And if you yeah.","start":2047.72,"end":2049.24,"sentiment":"neutral","sentiment_score":0.24365554749965668},{"text":"And if you do jump in to Hub twenty four yourself, you will also see that once that's been authorized and processed, you will see that change in contact details in hub twenty four for yourself.","start":2049.24,"end":2060.055,"sentiment":"neutral","sentiment_score":0.25073229024807614},{"text":"But I will let the team know to go and update that for you.","start":2060.055,"end":2062.635,"sentiment":"neutral","sentiment_score":0.2783118933439255},{"text":"Yeah.","start":2063.655,"end":2064.135,"sentiment":"neutral","sentiment_score":0.18772616982460025},{"text":"Perfect.","start":2064.135,"end":2064.635,"sentiment":"positive","sentiment_score":0.5951771140098572}],"sentiment":"neutral","sentiment_score":0.2621474005281925,"num_words":56,"start":2047.72,"end":2064.635},{"sentences":[{"text":"No worries.","start":2064.855,"end":2065.255,"sentiment":"positive","sentiment_score":0.5077311545610428},{"text":"Thanks for letting me know.","start":2065.255,"end":2066.375,"sentiment":"positive","sentiment_score":0.7824412703514099},{"text":"That was very good attention to detail.","start":2066.375,"end":2068.155,"sentiment":"positive","sentiment_score":0.7537705131939479},{"text":"Any other questions before I let you go?","start":2069.735,"end":2071.915,"sentiment":"neutral","sentiment_score":0.10989696905016899},{"text":"No?","start":2073.34,"end":2073.84,"sentiment":"neutral","sentiment_score":-0.04546608403325081}],"sentiment":"positive","sentiment_score":0.4799031270262988,"num_words":23,"start":2064.855,"end":2073.84},{"sentences":[{"text":"Yep.","start":2074.8599,"end":2075.3599,"sentiment":"neutral","sentiment_score":0.17575769126415253},{"text":"Beautiful.","start":2075.42,"end":2075.9,"sentiment":"positive","sentiment_score":0.6539922952651978},{"text":"If you think of anything or have any other questions, let me know.","start":2075.9,"end":2078.72,"sentiment":"neutral","sentiment_score":0.2812241269991948},{"text":"But, otherwise, I look forward to speaking with you on Tuesday, the twelfth.","start":2079.02,"end":2082.56,"sentiment":"positive","sentiment_score":0.4235129734644523},{"text":"No problem.","start":2084.5588,"end":2085.2988,"sentiment":"neutral","sentiment_score":0.2625848203897476}],"sentiment":"positive","sentiment_score":0.35055006444454195,"num_words":30,"start":2074.8599,"end":2085.2988},{"sentences":[{"text":"You too.","start":2085.439,"end":2085.919,"sentiment":"neutral","sentiment_score":0.16978103667497635},{"text":"We'll speak soon.","start":2085.919,"end":2086.899,"sentiment":"neutral","sentiment_score":0.20595458646615347},{"text":"Okay.","start":2087.679,"end":2088.179,"sentiment":"neutral","sentiment_score":0.16453847289085388},{"text":"Bye.","start":2088.3188,"end":2088.8188,"sentiment":"neutral","sentiment_score":-0.11982088536024094}],"sentiment":"neutral","sentiment_score":0.14316334575414658,"num_words":7,"start":2085.439,"end":2088.8188}]}}]},{"alternatives":[{"transcript":"Hello? Oh, sorry. Give me one second. Hello? Yes. It is. I'm good. Thanks. How are you doing? Yeah. Now it's fine. Yep. No worries. Tony Robert Barnes. Seventh of the second nineteen eighty eight. And 2 F 919 York Road, Janice, Indiana. Yeah. A little bit busy today. Yeah. No. Not really. It's almost done. So yeah. Yeah. Just another catch up. I'm pretty happy with how things are going. So yep. Yes and no. So my daughter is 19 now, so she's not really a financial dependent. But I've still got my son's still not quite 16. So yep. Yep. Yep. Still the same one. Still working as a storeman. Yep. A little bit less, I think it is now. Yeah. Probably about 62, I think, maybe. Maybe 65. I'm not a 100 sure. No. Well, I've stepped down from supervisor about a year and a half ago, so I'm just storming now. Yep. Yeah. Yep. Yeah. I think so pretty much. Yeah. Yep. Yes. That's still correct. No. Nothing like that. No. None of it. Non smoker. Sort of over the last twelve months well, over the last sort of few years, I've been giving up. So Probably about six months ago. Yep. Alright. Yep. Yep. Uh-huh. Hopefully, anyway. Hopefully. Yep. Yep. No. I'm still on the same medication as I have been for the last, I think, almost two years now. So no. Yep. Yes. No. Haven't done any of that. No. Yep. Yep. Now for the short term anyway, that's probably the same. In the long term, I wouldn't mind, like, buying a house or something, but that's a long time off. Yeah. No. I'm not. Yeah. Yep. Yep. Yep. What what what was that? Sorry? No. I wouldn't want to retire early, but I don't think that will happen. Yeah. Probably around that, I think. '65. Yeah. No. That's probably right, I think. 1,000 a week. Yeah. Yep. Yep. Probably moderate. Yeah. Probably just natural. Yeah. Probably concerned and highly anxious. Yes. Pardon? Oh, no. No. Yes. Yep. Yep. No. Not really. Yep. Yes. I'm done. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yes. Yep. Alright. Yep. Yes. Yeah. Probably more the top well, the top ones, I think. So pretty much what I'm on now, I think, isn't it? Yeah. Probably the ninety ten, I think. Yeah. Yes. Yeah. Yeah. Yeah. I've still got thirty odd years to go. So yeah. Yes. Yes. Yep. Yep. Yes. Yep. Who? Six. Yes. Yep. Yep. Alright. Well, one that third 119%. Yeah. That's Yeah. Yep. Yep. Yep. Yep. No. That sounds good. Yep. Yep. Alright. Probably sorta yeah. This sort of time in the afternoons. Yep. Yep. No. That's still good. Two weeks. Yeah. No. It's alright. Yep. Yes, please. If I can. Yeah. Yes. Yes. No. Yep. Too bad. Yep. Yep. Yep. Yep. Yeah. I think that should be right for now, I think. Yeah. Yeah. Yeah. Yes. Yeah. So that five year benefits, that means it'll be pretty much 4 and a half thousand a month for the five years. Is it? Yep. Alright. No. That's Now. Seems alright. Yep. Yep. Oh, wow. Yep. Alright. Yep. Thank you. Yep. Yep. Yep. Yeah. Okay. Okay. Yes. Yeah. I think it would just be easier just to leave it for now, and then we can wait and see. Yep. Yep. Yes. Just leave her. Yes. Yep. Yep. Yeah. I'm looking. Alright. So it look both the same. Yep. Okay. Yep. Yep. Alright. Yep. Yep. Yep. 10. Yep. Yeah. No. That's nice to know who I'm talking to. Yep. Oh, just loading at the moment. Let's try again. Alright. You will get the signed document by email. Okay. Yeah. Yep. Yep. Yep. Yep. Yeah. Correct. Yep. Yep. Just looking at this one I've just signed. My phone number on there is actually wrong. Other consent to the new ongoing fee arrangement. About a year and a half ago, I did. Yeah. Yep. Yep. Yep. Alright. No worries at all. Yep. Okay. Thank you so much for that. Yes. No. That's everything for now, I think. Alright. Thank you so much. You have a lovely day. Thank you. 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Oh, sorry. Give me one second. Hello? Yes.\n\nIt is. I'm good. Thanks. How are you doing? Yeah.\n\nNow it's fine. Yep. No worries. Tony Robert Barnes. Seventh of the second nineteen eighty eight.\n\nAnd 2 F 919 York Road, Janice, Indiana. Yeah. A little bit busy today. Yeah. No.\n\nNot really. It's almost done. So yeah. Yeah. Just another catch up.\n\nI'm pretty happy with how things are going. So yep. Yes and no. So my daughter is 19 now, so she's not really a financial dependent. But I've still got my son's still not quite 16.\n\nSo yep. Yep. Yep. Still the same one. Still working as a storeman.\n\nYep. A little bit less, I think it is now. Yeah. Probably about 62, I think, maybe. Maybe 65.\n\nI'm not a 100 sure. No. Well, I've stepped down from supervisor about a year and a half ago, so I'm just storming now. Yep. Yeah.\n\nYep. Yeah. I think so pretty much. Yeah. Yep.\n\nYes. That's still correct. No. Nothing like that. No.\n\nNone of it. Non smoker. Sort of over the last twelve months well, over the last sort of few years, I've been giving up. So Probably about six months ago. Yep.\n\nAlright. Yep. Yep. Uh-huh. Hopefully, anyway.\n\nHopefully. Yep. Yep. No. I'm still on the same medication as I have been for the last, I think, almost two years now.\n\nSo no. Yep. Yes. No. Haven't done any of that.\n\nNo. Yep. Yep. Now for the short term anyway, that's probably the same. In the long term, I wouldn't mind, like, buying a house or something, but that's a long time off.\n\nYeah. No. I'm not. Yeah. Yep.\n\nYep. Yep. What what what was that? Sorry? No.\n\nI wouldn't want to retire early, but I don't think that will happen. Yeah. Probably around that, I think. '65. Yeah.\n\nNo. That's probably right, I think. 1,000 a week. Yeah. Yep.\n\nYep. Probably moderate. Yeah. Probably just natural. Yeah.\n\nProbably concerned and highly anxious. Yes. Pardon? Oh, no. No.\n\nYes. Yep. Yep. No. Not really.\n\nYep. Yes. I'm done. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yes. Yep. Alright. Yep.\n\nYes. Yeah. Probably more the top well, the top ones, I think. So pretty much what I'm on now, I think, isn't it? Yeah.\n\nProbably the ninety ten, I think. Yeah. Yes. Yeah. Yeah.\n\nYeah. I've still got thirty odd years to go. So yeah. Yes. Yes.\n\nYep. Yep. Yes. Yep. Who?\n\nSix. Yes. Yep. Yep. Alright.\n\nWell, one that third 119%. Yeah. That's Yeah. Yep. Yep.\n\nYep. Yep. No. That sounds good. Yep.\n\nYep. Alright. Probably sorta yeah. This sort of time in the afternoons. Yep.\n\nYep. No. That's still good. Two weeks. Yeah.\n\nNo. It's alright. Yep. Yes, please. If I can.\n\nYeah. Yes. Yes. No. Yep.\n\nToo bad. Yep. Yep. Yep. Yep.\n\nYeah. I think that should be right for now, I think. Yeah. Yeah. Yeah.\n\nYes. Yeah. So that five year benefits, that means it'll be pretty much 4 and a half thousand a month for the five years. Is it? Yep.\n\nAlright. No. That's Now. Seems alright. Yep.\n\nYep. Oh, wow. Yep. Alright. Yep.\n\nThank you. Yep. Yep. Yep. Yeah.\n\nOkay. Okay. Yes. Yeah. I think it would just be easier just to leave it for now, and then we can wait and see.\n\nYep. Yep. Yes. Just leave her. Yes.\n\nYep. Yep. Yeah. I'm looking. Alright.\n\nSo it look both the same. Yep. Okay. Yep. Yep.\n\nAlright. Yep. Yep. Yep. 10.\n\nYep. Yeah. No. That's nice to know who I'm talking to. Yep.\n\nOh, just loading at the moment. Let's try again. Alright. You will get the signed document by email. Okay.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. Correct. Yep. Yep. Just looking at this one I've just signed.\n\nMy phone number on there is actually wrong. Other consent to the new ongoing fee arrangement. About a year and a half ago, I did. Yeah. Yep.\n\nYep. Yep. Alright. No worries at all. Yep.\n\nOkay. Thank you so much for that. Yes. No. That's everything for now, I think.\n\nAlright. Thank you so much. You have a lovely day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02888341434299946},{"text":"Oh, sorry.","start":4.64,"end":5.12,"sentiment":"neutral","sentiment_score":-0.00047626299783587456},{"text":"Give me one second.","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":-0.001065301476046443},{"text":"Hello?","start":19.875,"end":20.375,"sentiment":"neutral","sentiment_score":0.011636096984148026},{"text":"Yes.","start":23.154999,"end":23.395,"sentiment":"neutral","sentiment_score":0.04453611746430397}],"sentiment":"neutral","sentiment_score":0.008871321876843771,"num_words":9,"start":0.56,"end":23.395},{"sentences":[{"text":"It is.","start":23.395,"end":24.135,"sentiment":"neutral","sentiment_score":0.05598759651184082},{"text":"I'm good.","start":28.15,"end":28.39,"sentiment":"positive","sentiment_score":0.47064077854156494},{"text":"Thanks.","start":28.39,"end":28.71,"sentiment":"positive","sentiment_score":0.5899389982223511},{"text":"How are you doing?","start":28.71,"end":29.69,"sentiment":"positive","sentiment_score":0.3431108072400093},{"text":"Yeah.","start":35.59,"end":35.989998,"sentiment":"neutral","sentiment_score":0.15819284319877625}],"sentiment":"neutral","sentiment_score":0.3173831820487976,"num_words":10,"start":23.395,"end":35.989998},{"sentences":[{"text":"Now it's fine.","start":35.989998,"end":36.89,"sentiment":"neutral","sentiment_score":0.2198899338642756},{"text":"Yep.","start":46.425,"end":46.745,"sentiment":"neutral","sentiment_score":0.06863526999950409},{"text":"No worries.","start":46.745,"end":47.405,"sentiment":"neutral","sentiment_score":0.12901019304990768},{"text":"Tony Robert Barnes.","start":57.22,"end":58.52,"sentiment":"neutral","sentiment_score":0.009658451502521833},{"text":"Seventh of the second nineteen eighty eight.","start":58.82,"end":61.56,"sentiment":"neutral","sentiment_score":0.020287811356995786}],"sentiment":"neutral","sentiment_score":0.07233221823116764,"num_words":16,"start":35.989998,"end":61.56},{"sentences":[{"text":"And 2 F 919 York Road, Janice, Indiana.","start":62.260002,"end":65.88,"sentiment":"neutral","sentiment_score":0.022808245732448995},{"text":"Yeah.","start":70.74,"end":71.06,"sentiment":"neutral","sentiment_score":0.0053878528997302055},{"text":"A little bit busy 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more the top well, the top ones, I think.","start":992.295,"end":995.835,"sentiment":"neutral","sentiment_score":0.07609987333416939},{"text":"So pretty much what I'm on now, I think, isn't it?","start":996.375,"end":999.59503,"sentiment":"neutral","sentiment_score":-0.25246776234019885},{"text":"Yeah.","start":1000.135,"end":1000.635,"sentiment":"neutral","sentiment_score":0.09928518533706664}],"sentiment":"neutral","sentiment_score":-0.06233735103160143,"num_words":24,"start":960.62,"end":1000.635},{"sentences":[{"text":"Probably the ninety ten, I 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Is this Toni?\n\nChannel 1: Oh, sorry. Give me one second.\n\nChannel 0: Sure.\n\nChannel 1: Hello?\n\nChannel 0: Yeah. Is this Tony I'm speaking with?\n\nChannel 1: Yes. It is.\n\nChannel 0: This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. Thanks. How are you doing?\n\nChannel 0: Good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Now it's fine.\n\nChannel 0: Yeah. Okay. 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: Yep. No worries.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could I just get you to please confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Tony Robert Barnes. Seventh of\n\nChannel 0: Yep.\n\nChannel 1: the second nineteen eighty eight.\n\nChannel 0: Yep.\n\nChannel 1: And 2 F 919 York Road, Janice, Indiana.\n\nChannel 0: Perfect. That's exactly what I have here. How's your day been? Been busy?\n\nChannel 1: Yeah. A little bit busy today.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have much to do for the rest of the afternoon?\n\nChannel 1: No. Not really. It's almost done.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: Oh, that's good.\n\nChannel 1: yeah.\n\nChannel 0: Well, I will try not to keep you for too long, Tony. Before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or any questions or anything that you have, or is it just a bit of a catch up and see where where everything's at?\n\nChannel 1: Yeah. Just another catch up. I'm pretty happy with how things are going. So\n\nChannel 0: Yeah. Perfect. So what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in in your life and if we need to make any changes for the advice at all.\n\nChannel 1: yep.\n\nChannel 0: So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as single with true financial dependents. Is that correct?\n\nChannel 1: Yes and no. So my daughter is 19 now, so\n\nChannel 0: Okay.\n\nChannel 1: she's not really a financial dependent.\n\nChannel 0: Yep. Yep. Yep.\n\nChannel 1: But I've still got my son's still not quite 16. So\n\nChannel 0: Okay. So two children, but one financial dependent, essentially.\n\nChannel 1: yep.\n\nChannel 0: Yep. Perfect. Now I have here next of kin your mom, Carolyn, nominated. Is that still okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And her phone number hasn't changed recently, still ends with 804?\n\nChannel 1: Yep. Still the same one.\n\nChannel 0: Great. Perfect. Now when it comes to occupation, has any of that changed or still working as a storeman?\n\nChannel 1: Still working as a storeman. Yep.\n\nChannel 0: Perfect. I do have here that you work full time and income of around 70,000.\n\nChannel 1: A little bit less, I think it is\n\nChannel 0: Okay.\n\nChannel 1: now. Yeah.\n\nChannel 0: Do you know roughly how much?\n\nChannel 1: Probably about 62, I think,\n\nChannel 0: 60?\n\nChannel 1: maybe. Maybe\n\nChannel 0: Yeah.\n\nChannel 1: 65. I'm not a 100\n\nChannel 0: Sixty five.\n\nChannel 1: sure.\n\nChannel 0: That's okay. I'll do 62 to 65. Does it vary do you do, like, overtime or anything like it, or is it\n\nChannel 1: No. Well, I've stepped down from supervisor\n\nChannel 0: okay.\n\nChannel 1: about\n\nChannel 0: Yep.\n\nChannel 1: a year and a half ago, so I'm just\n\nChannel 0: Yep.\n\nChannel 1: storming now.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So about 65 ish.\n\nChannel 1: Yeah.\n\nChannel 0: 62 to 65. I have here expenses per week about 700 and savings about $1.50 a week.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound about the same?\n\nChannel 1: Yeah. I think so pretty much.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Otherwise, I have here that your employer makes, like, that standard 12% contribution into super, and you're not making any additional ones yourself,\n\nChannel 1: Yep.\n\nChannel 0: just that from your employer? Yeah. Perfect. Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 14,000 with nothing owing. Is that correct?\n\nChannel 1: Yes. That's still correct.\n\nChannel 0: Perfect. Any other assets, savings in the banks, motorbikes, boats?\n\nChannel 1: No. Nothing like that.\n\nChannel 0: No. Alright. Perfect. Do you have any other liabilities, like personal loans or credit cards or SIP pay?\n\nChannel 1: No. None of it.\n\nChannel 0: No. No. Perfect. And health and lifestyle wise, are you a smoker or a nonsmoker?\n\nChannel 1: Non smoker.\n\nChannel 0: Nonsmoker. Perfect. And in the last twelve months, did you used to be a smoker or always been a nonsmoker?\n\nChannel 1: Sort of over the last twelve months well, over the last sort of few years, I've been giving up. So\n\nChannel 0: Oh, yes. Perfect. And when would you say was the last time you had any nicotine, any or vaping or cigarettes or chewing gum or anything like that?\n\nChannel 1: Probably about six months ago.\n\nChannel 0: Six months. Okay. Perfect. The reason I do ask let me just pull up your insurances is that from the insurance point of view, if it's been twelve months since you last had any anything, so whether that's a vape or cigarettes or anything like that,\n\nChannel 1: Yep.\n\nChannel 0: if it's been twelve months, they can classify you as a nonsmoker, which will mean that your insurance premium will get quite a bit cheaper.\n\nChannel 1: Alright.\n\nChannel 0: So, yeah, so what I might do is I'll leave a little note here because I just looked at your insurance policy, which we will go through shortly, is that on your AIA policy, you are currently a smoker. So what\n\nChannel 1: Yep.\n\nChannel 0: I can do is if it's been about six months, I can put a little reminder for the team to give you a call in about six months because that would then be the twelve month mark, and we can look at removing that smokers rate for you.\n\nChannel 1: Yep. Uh-huh.\n\nChannel 0: Yep.\n\nChannel 1: Hopefully, anyway.\n\nChannel 0: So\n\nChannel 1: Hopefully.\n\nChannel 0: Yeah. Yeah. So I'll make that little note, and\n\nChannel 1: Yep.\n\nChannel 0: we can kind of get that sorted, which, yeah, which will reduce the premium quite a bit.\n\nChannel 1: Yep.\n\nChannel 0: So that's good. Alright. Perfect. Otherwise, any changes to your health or medications or anything otherwise?\n\nChannel 1: No. I'm still on the same medication as I have been for the last, I think, almost two years now. So\n\nChannel 0: Yep. Okay. Perfect. But no, like, changes otherwise in anything.\n\nChannel 1: no.\n\nChannel 0: Just kinda yep. Perfect. Now estate planning wise, I have here that for your beneficiaries, so if something were to happen to you, you have a 50% nominate nomination to Alexa and 50 through. That's\n\nChannel 1: Yep.\n\nChannel 0: correct? Perfect. And they are both your children?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Great. Do you otherwise have a a will in place or power of attorney or anything like that?\n\nChannel 1: No. Haven't\n\nChannel 0: No.\n\nChannel 1: done\n\nChannel 0: That's okay.\n\nChannel 1: any of that.\n\nChannel 0: No. That's okay. But you don't have anyone who makes the otherwise financial decisions for you or earn an income overseas or politically exposed at all?\n\nChannel 1: No.\n\nChannel 0: That's great. Perfect. Now the other thing is kind of, I guess, goals that you're working towards that you are wanting to achieve. So\n\nChannel 1: Yep.\n\nChannel 0: last time when we spoke to you during the annual review, you kind of mentioned that in the next few years, your main focus was to potentially buy a new car and to\n\nChannel 1: Yep.\n\nChannel 0: kind of continue building up a bit of a cash buffer to kind of have that ease, you know, this ever a rainy day or you need anything. Is that still kind of your main focus for, you know, the short interim, or has any of that changed?\n\nChannel 1: Now for the short term anyway, that's\n\nChannel 0: Mhmm.\n\nChannel 1: probably the same.\n\nChannel 0: Yeah.\n\nChannel 1: In the\n\nChannel 0: And\n\nChannel 1: long term, I wouldn't mind,\n\nChannel 0: yeah.\n\nChannel 1: like, buying a house or something, but\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: Perfect. Sorry\n\nChannel 1: a long\n\nChannel 0: about the\n\nChannel 1: time\n\nChannel 0: long\n\nChannel 1: off.\n\nChannel 0: term. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. It's still a good goal, though. Looking to buy a house. Is there anything else that you're working towards otherwise or that you're wanting to achieve, or that's kind of your\n\nChannel 1: No.\n\nChannel 0: main\n\nChannel 1: I'm not.\n\nChannel 0: main focus? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now the next thing I do wanna run over with you, Tony, it is just an updated risk profile questionnaire just\n\nChannel 1: Yep.\n\nChannel 0: to see if there's anything that has changed in your risk tolerance or if you want to make any changes at all.\n\nChannel 1: Yep.\n\nChannel 0: So just kinda bear with me again as I go through this. It is just multiple choice to make it nice and easy, and there is no right or wrong answer.\n\nChannel 1: Yep.\n\nChannel 0: Now have you ever bought direct shares?\n\nChannel 1: What what what was that? Sorry?\n\nChannel 0: Bought direct shares on the stock market yourself? Have you ever done any of that personal investing?\n\nChannel 1: No.\n\nChannel 0: No. No. Perfect. And in terms of superannuation as well, are you still kind of looking at retiring around age 67, or do you think you wanna retire a bit earlier?\n\nChannel 1: I wouldn't want to retire early, but I\n\nChannel 0: Yeah.\n\nChannel 1: don't think that will happen.\n\nChannel 0: And in\n\nChannel 1: Yeah.\n\nChannel 0: an ideal world, would you when would you want to start drawing an income from your super?\n\nChannel 1: Probably around that, I think. '65.\n\nChannel 0: Around 60\n\nChannel 1: Yeah.\n\nChannel 0: five. Yep. Perfect. And an ideal income would be about a thousand dollars per week, or do you think any of that's changed? Will that\n\nChannel 1: No.\n\nChannel 0: cover\n\nChannel 1: That's probably\n\nChannel 0: expenses?\n\nChannel 1: right, I think. 1,000\n\nChannel 0: Yep.\n\nChannel 1: a week. Yeah.\n\nChannel 0: Yeah. Perfect. And, otherwise, I guess, when it comes to superannuation, is your main focus to just make sure that it continues to grow for your retirement and that you do wanna get, you know, continuous updates on what kind of occurring in regards to your superannuation. Would you say that's\n\nChannel 1: Yep.\n\nChannel 0: through your super goals?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. Now the next thing is in regards to how much risk you are willing to take in regards to your superannuation to make sure that it continues to grow above, you know, inflation and rising prices and stuff like that, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk in order to try to make sure that it continues through to increase and go up?\n\nChannel 1: Probably moderate.\n\nChannel 0: Moderate?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And in regards to volatility, sorry. How would you feel if in six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in the market? Now would you wanna take advantage of that if you had the option to do so by thinking that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral, just hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you're selling when the prices have dropped?\n\nChannel 1: Probably just natural.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Just leave. And if you ever saw your superannuation or any assets ever fall in value, how would you say that make made you feel? Would you say optimistic about potential future investment opportunities, a bit more cautious, not making further investments, concerned, or highly anxious?\n\nChannel 1: Probably concerned and highly\n\nChannel 0: Concerned.\n\nChannel 1: anxious. Yes.\n\nChannel 0: Yep. Okay. And last one here is, would you ever consider taking out a loan to invest personally in, like,\n\nChannel 1: Pardon?\n\nChannel 0: direct on the stock market? Would you ever\n\nChannel 1: Oh,\n\nChannel 0: consider taking out a loan to invest in the stock market?\n\nChannel 1: no.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: No.\n\nChannel 0: No. Sorry. Would you consider taking out a loan to buy a property for yourself to live in?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now that tells me here, Tony, that you have come out as a a balanced growth investor. Now at\n\nChannel 1: Yep.\n\nChannel 0: the moment, we have you invested in a high growth portfolio. So there is a bit of a difference in terms of how your risk appetite has come out right now in terms of how we have you invested. So\n\nChannel 1: Yep.\n\nChannel 0: do you know the difference between more like your balance growth and your high growth investor at all?\n\nChannel 1: No. Not really.\n\nChannel 0: No. So for a high growth, for example, which you which is how you are invested at the moment, It is tailored for for clients who want to get as much growth as you possibly can out of superannuation while you do have the time, but you're also prepared to experience a\n\nChannel 1: Yep.\n\nChannel 0: higher level of fluctuation in order to achieve that growth. Now when we are talking about an asset allocation point of view, so what I might actually do here is do you have access to your emails, Tony?\n\nChannel 1: Yes. I'm done.\n\nChannel 0: Okay. Perfect. So I just sent you an email, and sometimes this makes it a bit easier. If you can access your emails for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now\n\nChannel 1: Yep.\n\nChannel 0: we have this change of software, so it might look a little bit different to what you are used to. But before you click on the link where it says sign now, you should see at the bottom of the email a couple of attachments. Can you see those?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now can you see one where it says 2025 Vanguard index chart?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Could you open that one for me? Yes. So this is a it's a good visual representation of what we are talking about when we're talking about the market. And when we're referring it back to the different risk profiles, it is good in terms of this breaking down the different asset classes.\n\nSo going back to a high growth portfolio, which is how you're invested right now, you have about 90% in what we would classify your growth asset. So that would be, if you look at this graph, the top four. So The US shares, Australian shares, international shares, and property. Now\n\nChannel 1: Yep.\n\nChannel 0: this graph here takes you back to 1995 through to 2025. Over the long term, you can see the market always goes up. The short term, there will be ups and downs and market fluctuations.\n\nChannel 1: Yep.\n\nChannel 0: The more growth you have, the most of sorry. The more growth assets, the higher fluctuation, but then on a long term, you see a higher growth. So\n\nChannel 1: Yeah.\n\nChannel 0: at the moment, 90% is in those top 10% in defensive, which will be your bottom three. A gold of stuff can also sometimes fall into this category, and these are the ones that's kinda, like, stabilized. You can see that they are still growing, but a lot less, but they're a lot more stable.\n\nChannel 1: Yes.\n\nChannel 0: So a balanced growth, which is kind of how you came out at the moment, is a more social client that wants some growth out of their superannuation while you are still working and contributing, but you also want a conservative element to your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: In terms of and percentage of this one, you have a seventy thirty. 70\n\nChannel 1: Alright.\n\nChannel 0: in the top, yeah, 30 in the bottom. Now we also have one that's in between these two, and that is a growth one. So a growth is in between where you have about an eighty twenty. So you have 80 in the top, 20\n\nChannel 1: Yep.\n\nChannel 0: in the bottom. And it's kind of one step down from where you are right now in terms of a high growth, but a little bit more than you're a little bit more defensive. So\n\nChannel 1: Yes.\n\nChannel 0: when we are also looking at a time frame, so we wanna make sure that looking at this through, you have enough time in the market, all those fluctuations to come back around. In a high growth, we wanna say a minimum of eight years to retirement, growth, six years, balance growth, five years. But it\n\nChannel 1: Yeah.\n\nChannel 0: also comes down to what you are comfortable with. So from those, is there any of those three that you feel more aligned with your values and how you feel?\n\nChannel 1: Probably more the top well, the top ones, I think.\n\nChannel 0: The\n\nChannel 1: So\n\nChannel 0: top one?\n\nChannel 1: pretty\n\nChannel 0: So\n\nChannel 1: much what I'm on now, I think, isn't\n\nChannel 0: okay.\n\nChannel 1: it?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So are you happy with seeing the 90 the ninety ten, or do you feel more the eighty twenty?\n\nChannel 1: Probably the ninety ten, I\n\nChannel 0: The\n\nChannel 1: think.\n\nChannel 0: ninety ten? Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So the way that you are at the moment, even though I know that some of the questions for you were that you would feel a little bit more concerned, you would still\n\nChannel 1: Yes.\n\nChannel 0: be comfortable as long as long term, it's not obviously every year. Like, as long as long\n\nChannel 1: Yeah.\n\nChannel 0: term, it continues to go up, you understand that if you are in a high growth, you will have some yes not so good, but then other yes really good.\n\nChannel 1: Yeah. Yeah. I've still\n\nChannel 0: That's\n\nChannel 1: got\n\nChannel 0: okay.\n\nChannel 1: thirty odd years to go. So\n\nChannel 0: Exactly. You\n\nChannel 1: yeah.\n\nChannel 0: have plenty of time. Okay. Perfect. Now from that, I'm happy to leave you in a high growth portfolio because, yeah, you do have plenty of time as long as yeah. Obviously, you understand that throughout time, there will be some ups and downs.\n\nSome years will be really, really good, and some, you know, slightly less, but it's also how we then construct and diversify your portfolio to try to minimize that.\n\nChannel 1: Yes.\n\nChannel 0: So we will leave you in a high growth. Now as we are talking about your portfolio, actually, if you go back to the email, you will\n\nChannel 1: Yes.\n\nChannel 0: then see one where it says a twelve month, hub 24 IRR. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. If you wanna open that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this one can look a little bit messy, but it basically breaks down all your investments and how they have performed and what's happened in the last twelve months. So I kind of touched on it briefly, but the last twelve months, we've obviously seen a bit of fluctuations in the market. So first, you\n\nChannel 1: Yes.\n\nChannel 0: had obviously everything in The US with Trump and the tariffs and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuations in the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: Despite that, though, your portfolio has still overall held up pretty good. So in the last twelve months, after fees or after all fees have come out of your account, your portfolio is still up, and it's up by about 6.73%,\n\nChannel 1: Who?\n\nChannel 0: which is\n\nChannel 1: Six.\n\nChannel 0: not too bad, yeah, given what's happened\n\nChannel 1: Yes.\n\nChannel 0: in the market. Now on that as well, you can see if you scroll through yeah. On the first page here, you can\n\nChannel 1: Yep.\n\nChannel 0: see on the second column to the right where it says the internal rate of return. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this is how your individual investment has performed. So the ones in the brackets are down. The other ones are positive. So\n\nChannel 1: Alright.\n\nChannel 0: you\n\nChannel 1: Well,\n\nChannel 0: can\n\nChannel 1: one\n\nChannel 0: yeah.\n\nChannel 1: that third 119%.\n\nChannel 0: It's insane. And that's your Global X battery tech and lithium. Obviously, fuel prices moving to electric vehicles and the batteries and stuff like that. That one has gone through the roof. So that\n\nChannel 1: Yeah.\n\nChannel 0: one has been crazy.\n\nChannel 1: That's\n\nChannel 0: Yes. You can also see Asia, the Asia 50, then about 72%. But you can also see that the way that your portfolio is constructed is they balance each other. So there'll be some areas where not doing as well where other areas are doing really well. So, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: as things do happen in the world and the market, you won't have as much of an impact because you'll kind of negate each other in a in a way.\n\nChannel 1: Yep.\n\nChannel 0: One thing I do wanna highlight is we obviously do a lot of research on your investments all the time, and we wanna make sure that at all points in time, we have you in the best options possible, and things are ever changing. So we've done a lot of research at the moment on your top one, which is the Benelong Australian Equity. And this is one that's down at the moment. So when you came on board and up until quite recently, it's done really, really well. It was one of\n\nChannel 1: Yep.\n\nChannel 0: the top performing fund managers, and the function behind that one investment is to kind of actively buy and sell different investments in order to kinda outperform the market. Now more recently, they've been a little bit slower in terms of making those decisions, and they've kind of underperformed a little bit. So what I would like to do, if you are happy for me to do so, is to do a little bit more in-depth on that investment and put together a proposal to see if we can swap this one out something else that's going to do a little bit better for you moving forward. Would you\n\nChannel 1: Yep.\n\nChannel 0: be happy for me to do that?\n\nChannel 1: Yep. No. That sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Yep. Perfect. Now it will take me about a week or so to put together the research. I will\n\nChannel 1: Yep.\n\nChannel 0: then put together a proposal for you, go through it with you, and then you can let me know if you are happy with the change.\n\nChannel 1: Yep. Alright.\n\nChannel 0: So when is typically a best time for you to to go through that, Tony?\n\nChannel 1: Probably sorta yeah. This sort of time in the afternoons.\n\nChannel 0: Okay. Let me have a look. So about 03:00. Now let me have a look because in our afternoon's still up very, very quickly.\n\nChannel 1: Yep.\n\nChannel 0: Let me see. Now I could do 3PM on Tuesday, May 12 Going\n\nChannel 1: Yep.\n\nChannel 0: about\n\nChannel 1: No. That's still\n\nChannel 0: Would\n\nChannel 1: good.\n\nChannel 0: that would\n\nChannel 1: Two\n\nChannel 0: that\n\nChannel 1: weeks.\n\nChannel 0: work?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. It's alright.\n\nChannel 0: Okay. Perfect. So I will book that in. Now if anything does change and you can't make the appointment or work or anything, just let me know, and I'll see if I can shuffle a few things around for you.\n\nChannel 1: Yep.\n\nChannel 0: Would you like a reminder text sent, like, two hours before in case, you know, something happens or you forget?\n\nChannel 1: Yes, please. If\n\nChannel 0: Yeah.\n\nChannel 1: I can. Yeah.\n\nChannel 0: Yeah. Perfect. I'll do that. But, otherwise, as a whole, like I said, it's done pretty good considering the last twelve months. So happy with that.\n\nChannel 1: Yes. Yes. No.\n\nChannel 0: Now if you wanna go back to your email for me and if you wanna\n\nChannel 1: Yep.\n\nChannel 0: open the one where it says super and\n\nChannel 1: Too\n\nChannel 0: insurance summary, if you could open that\n\nChannel 1: bad.\n\nChannel 0: one\n\nChannel 1: Yep.\n\nChannel 0: for me and let me know if you can see that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now you can see here that you obviously have your superannuation with HUB24. You can see that you do have about $78,614 in there. And then underneath that, you can see your insurances.\n\nChannel 1: Yep.\n\nChannel 0: So with your insurances, you have life and total permanent disability. Now you do have 551,250 worth of life and TTD. Are you\n\nChannel 1: Yep.\n\nChannel 0: still happy with those level of coverage? Do you still think that would meet, you know, your needs if something were to happen and you can't work?\n\nChannel 1: Yeah. I think that should be right for now, I think.\n\nChannel 0: Yep. Yep. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And because you don't have any debts, you don't have to worry about, you know, clearing out any outstanding debt or credit cards or personal loans\n\nChannel 1: Yeah.\n\nChannel 0: or anything. So that would mainly be, obviously, if you can't go back to work, a bit of a lump sum to help, obviously, assist with, if you can't go back to work,\n\nChannel 1: Yeah.\n\nChannel 0: if if you ever were to become TPD or, obviously, life insurance is sent for for your children if something were to happen. There's also your super on top of that if something ever were to happen.\n\nChannel 1: Yes.\n\nChannel 0: And with your income protection, that will be a monthly amount of $4,667 per month. You have a thirty day waiting period and a five year benefit period. Are you still happy with that level of cover and everything like that as well?\n\nChannel 1: Yeah. So that five year benefits, that means it'll be pretty much 4 and a half thousand a month for the five years. Is it?\n\nChannel 0: Correct.\n\nChannel 1: Yep. Alright. No.\n\nChannel 0: Now\n\nChannel 1: That's Now.\n\nChannel 0: now the\n\nChannel 1: Seems\n\nChannel 0: way\n\nChannel 1: alright.\n\nChannel 0: that the income, yeah, the way that the income protection does work, which I do wanna flag with you, is that it is a percentage of your income at the time of claim. So\n\nChannel 1: Yep.\n\nChannel 0: it is 70% of your income you can be covered full. So something to be mindful of is because your income has slightly decreased, not by a lot, but still a little bit,\n\nChannel 1: Yep.\n\nChannel 0: what would happen is if you were to go and claim tomorrow, so let's say 65,000, 70% of that on a monthly basis is 3,791.\n\nChannel 1: Oh, wow.\n\nChannel 0: Even though,\n\nChannel 1: Yep.\n\nChannel 0: yeah, even though you're paying for 4,667, if something were to happen tomorrow, you could only get 3,791.\n\nChannel 1: Alright. Yep.\n\nChannel 0: Yep. So there\n\nChannel 1: Thank\n\nChannel 0: are\n\nChannel 1: you.\n\nChannel 0: two options. We can look at reducing it for you, so reduce it to match your current income. It will make the premium a little bit cheaper. The only thing I do wanna stress is that if anything were to change with your income and your income was to go up, what would happen then is if you wanted to go and increase your cover again, it\n\nChannel 1: Yep.\n\nChannel 0: might be a little bit difficult. For the insurance point of view, it's super easy to decrease. It's just a quick form. They take on less risk. They're happy.\n\nIf you\n\nChannel 1: Yep.\n\nChannel 0: wanna increase it so let's say we do decrease it to $3.07, and then\n\nChannel 1: Yep.\n\nChannel 0: in a year's time, you go, no. My my income has gone up. I'm now I now wanna up it.\n\nChannel 1: Yeah.\n\nChannel 0: What would happen then is we would have to go through that whole underwriting process again, and then insurers will assess your risk. And if anything\n\nChannel 1: Okay.\n\nChannel 0: has changed with your health or anything or if you take up a super risky occupation or a hobby or anything, there is a chance that they might decline it\n\nChannel 1: Okay.\n\nChannel 0: or put restrictions on it. So it's ultimately up to you if you think that your income will potentially go up with time, we can leave it\n\nChannel 1: Yes.\n\nChannel 0: as as long as you know that if something were to happen tomorrow, you are technically paying for a little bit more than you can get. What are your thoughts on that?\n\nChannel 1: Yeah. I think it would just be easier just to leave it for now, and then\n\nChannel 0: Yes.\n\nChannel 1: we\n\nChannel 0: Yes.\n\nChannel 1: can wait and see.\n\nChannel 0: I I agree. I think I think it's better to be slightly over insured if especially with income income tax, especially if you do think that, you know, you might get little pay increases here, there, or things change.\n\nChannel 1: Yep.\n\nChannel 0: If you were to say, no. I'm I'm dropping my hours, and I'm gonna have less and less income, especially, like, as you get older, then we can\n\nChannel 1: Yep.\n\nChannel 0: look at reducing it. But I\n\nChannel 1: Yes.\n\nChannel 0: think at the moment, it's good.\n\nChannel 1: Just\n\nChannel 0: And then\n\nChannel 1: leave\n\nChannel 0: once\n\nChannel 1: her.\n\nChannel 0: we do yeah. And then once we do get rid of those smokers right for you in about six months, then that will significantly reduce the premium altogether as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Great. Perfect. Now, otherwise, you will see in the email, you will see where two documents were assessed, COC. Can you see that?\n\nChannel 1: Yep.\n\nChannel 0: Let me just open it now. That is just your insurance broken down in a little bit more detail for you. So you will have one that just breaks down your life and your total permanent disability. It just lets you know that everything is paid and up to date, and then one is that income protection for you.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'm looking.\n\nChannel 0: Yep.\n\nChannel 1: Alright. So it look both the same.\n\nChannel 0: Yeah. The only way you can usually it's you can see product name, and then so that usually tells us what it is. And then, also, you can see, like, policy type. So it's quite easy for us to see, but, yes, you can basically if you scroll down, you can even see on the one where it ends with nine four four, you can see where it says income income protection occupation group. So that's an income protection.\n\nThe\n\nChannel 1: Yep.\n\nChannel 0: other one is your life and TKD. But it's\n\nChannel 1: Okay.\n\nChannel 0: not much you\n\nChannel 1: Yep.\n\nChannel 0: have to worry about, but just basically, it's there for your reference. And, yeah, everything is paid and up to date for you.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Yep. Perfect. Now the other two documents you will see is your financial services guide version four, and then you also have the Oakview services guide version one.\n\nChannel 1: Yep.\n\nChannel 0: If you want through so the financial services guide version two is just kind of like a a smaller version, which is some important information. It's similar to what you have been sent before, just a bit of an updated version. But if you\n\nChannel 1: Yep.\n\nChannel 0: wanna open the OTU services guide version one for me.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now, again, you probably have seen a couple of these. Had some changes. None of the important information has changed. It's all the same.\n\nBut everything that you do need to know is in there for you. As you scroll through as well, you will actually see we've had a bit of an extension to the team, which is good. And if you want to scroll down to page let's see here. 10.\n\nChannel 1: 10. Yep.\n\nChannel 0: Yep. You will see a photo of myself there, and sometimes it is nice to put a face to the voice.\n\nChannel 1: Yeah. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: nice to know who I'm talking to.\n\nChannel 0: But yeah. Yeah. Exactly. Now the last thing here, Tony, is if you're happy to do so, if you wanna click on the link where it says sign now, it will just\n\nChannel 1: Yep.\n\nChannel 0: ask you to sign through documents. Now the first one it should ask you to sign is an ongoing service agreement. Can you see that?\n\nChannel 1: Oh, just loading at the moment.\n\nChannel 0: Yep. No. That's okay.\n\nChannel 1: Let's try again. Alright. You will get the signed document by email.\n\nChannel 0: Let me see. It may have been yep. Sorry. It looks like you already signed it, which is great,\n\nChannel 1: Okay.\n\nChannel 0: but I do wanna just let you know what you signed.\n\nChannel 1: Yeah.\n\nChannel 0: So there was two documents. One was their ongoing service agreement. Now that is just to say that you are happy to stay on a sick claim. Now\n\nChannel 1: Yep.\n\nChannel 0: there is no changes in regards to the advise fee. It stays exactly the same at 1.65 from Super. It is not a\n\nChannel 1: Yep.\n\nChannel 0: lock in contract at any point in time either. So if there's ever a situation where you're not happy, it is not a lock in contract. So this essentially just lets you, you know, service your account and everything in the meantime. And it is something you do have to sign every year just to make sure you are happy with\n\nChannel 1: Yep.\n\nChannel 0: everything. And\n\nChannel 1: Yep.\n\nChannel 0: then the second one was just a tax file compliance form just to say that we are keeping your tax file number secure on file. Now everything is also then saved to your folder as well. So it should allow you to download something if you wanted to, or does it say what can you see on your side?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yeah. So if it is there, you have access to download them. If not, I always have a copy on file. So if you ever want a copy or anything of of any of those documents, I have a copy on file for you.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, I have you booked in on Tuesday, May 12 at 3PM to go over the research and those investment changes for you.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any other questions or anything else for me otherwise before I let you go this afternoon?\n\nChannel 1: Just looking at this one I've just signed. My phone number on there is actually wrong.\n\nChannel 0: Okay. Let me have a look. Is that the one where it said there on which document was that? Just so I can let the\n\nChannel 1: Other\n\nChannel 0: team know.\n\nChannel 1: consent to the new ongoing fee arrangement.\n\nChannel 0: Alright. Let me have a look. 3328. Yes. I can see that.\n\nLet me check what's in your account because, usually, it's pulled directly from from hub. Have you recently changed phone numbers at all?\n\nChannel 1: About a year and a half ago, I did.\n\nChannel 0: Okay. Let me see. Just what's on your account. Because this pulls it directly from your hub twenty four, and they need to\n\nChannel 1: Yeah.\n\nChannel 0: match in order for us to do it. So let me have a look here. Yes. Okay. So I can see that the contact details on your hub twenty four has your old mobile.\n\nChannel 1: Yep.\n\nChannel 0: So what we'll do is if you have it for us to do so, we can still submit the one that you've just signed because it matched. So hub twenty four will verify it. But I will make\n\nChannel 1: Yep.\n\nChannel 0: a note through as soon as that's been verified. I will let the admin team know to go and update your phone number to the one I'm calling through right now.\n\nChannel 1: Yep. Alright.\n\nChannel 0: And\n\nChannel 1: No worries\n\nChannel 0: if\n\nChannel 1: at\n\nChannel 0: you\n\nChannel 1: all.\n\nChannel 0: yeah. And if you do jump in to Hub twenty four yourself, you will also see that once that's been authorized and processed, you will see that change in contact details in hub twenty four for yourself. But I will let the team know to go and update that for you.\n\nChannel 1: Yep. Okay. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you so much\n\nChannel 0: Perfect.\n\nChannel 1: for that.\n\nChannel 0: No worries. Thanks for letting me know. That was very good attention to detail.\n\nChannel 1: Yes.\n\nChannel 0: Any other questions before I let you go?\n\nChannel 1: No. That's everything\n\nChannel 0: No?\n\nChannel 1: for now, I think.\n\nChannel 0: Yep. Beautiful. If you think of anything or have any other questions, let me know. But, otherwise, I look forward to speaking with you on Tuesday, the twelfth.\n\nChannel 1: Alright. Thank you so much. You have a lovely\n\nChannel 0: No\n\nChannel 1: day.\n\nChannel 0: problem. You too. We'll speak soon.\n\nChannel 1: Thank you.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02888341434299946}],"sentiment":"neutral","sentiment_score":0.02888341434299946,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.20308029651641846},{"text":"Is this Toni?","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.062282765905062355}],"sentiment":"neutral","sentiment_score":0.11860177814960479,"channel":0,"num_words":5,"start":1.92,"end":3.54},{"sentences":[{"text":"Oh, sorry.","start":4.64,"end":5.12,"sentiment":"neutral","sentiment_score":-0.00047626299783587456},{"text":"Give me one second.","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":-0.001065301476046443}],"sentiment":"neutral","sentiment_score":-0.0008689553166429201,"channel":1,"num_words":6,"start":4.64,"end":6.2599998},{"sentences":[{"text":"Sure.","start":6.64,"end":7.14,"sentiment":"neutral","sentiment_score":0.01750091090798378}],"sentiment":"neutral","sentiment_score":0.01750091090798378,"channel":0,"num_words":1,"start":6.64,"end":7.14},{"sentences":[{"text":"Hello?","start":19.875,"end":20.375,"sentiment":"neutral","sentiment_score":0.011636096984148026}],"sentiment":"neutral","sentiment_score":0.011636096984148026,"channel":1,"num_words":1,"start":19.875,"end":20.375},{"sentences":[{"text":"Yeah.","start":20.975,"end":21.295,"sentiment":"neutral","sentiment_score":0.013847796246409416},{"text":"Is this Tony I'm speaking with?","start":21.295,"end":22.994999,"sentiment":"neutral","sentiment_score":0.013533257801706592}],"sentiment":"neutral","sentiment_score":0.013578191865235567,"channel":0,"num_words":7,"start":20.975,"end":22.994999},{"sentences":[{"text":"Yes.","start":23.154999,"end":23.395,"sentiment":"neutral","sentiment_score":0.04453611746430397},{"text":"It is.","start":23.395,"end":24.135,"sentiment":"neutral","sentiment_score":0.05598759651184082}],"sentiment":"neutral","sentiment_score":0.05217043682932854,"channel":1,"num_words":3,"start":23.154999,"end":24.135},{"sentences":[{"text":"This is Veronica from Financial.","start":24.43,"end":26.29,"sentiment":"neutral","sentiment_score":0.10639954507350921},{"text":"How are you?","start":26.83,"end":27.73,"sentiment":"neutral","sentiment_score":0.13261266301075617}],"sentiment":"neutral","sentiment_score":0.11622946429997683,"channel":0,"num_words":8,"start":24.43,"end":27.73},{"sentences":[{"text":"I'm good.","start":28.15,"end":28.39,"sentiment":"positive","sentiment_score":0.47064077854156494},{"text":"Thanks.","start":28.39,"end":28.71,"sentiment":"positive","sentiment_score":0.5899389982223511},{"text":"How are you doing?","start":28.71,"end":29.69,"sentiment":"positive","sentiment_score":0.3431108072400093}],"sentiment":"positive","sentiment_score":0.4148091120379312,"channel":1,"num_words":7,"start":28.15,"end":29.69},{"sentences":[{"text":"Good.","start":30.03,"end":30.53,"sentiment":"positive","sentiment_score":0.4974221885204315},{"text":"I had you booked in to go over your annual review.","start":31.310001,"end":33.71,"sentiment":"positive","sentiment_score":0.3739396062764255},{"text":"Is now still a good time for you?","start":33.71,"end":35.49,"sentiment":"neutral","sentiment_score":0.32259035110473633}],"sentiment":"positive","sentiment_score":0.3595740333199501,"channel":0,"num_words":20,"start":30.03,"end":35.49},{"sentences":[{"text":"Yeah.","start":35.59,"end":35.989998,"sentiment":"neutral","sentiment_score":0.15819284319877625},{"text":"Now it's fine.","start":35.989998,"end":36.89,"sentiment":"neutral","sentiment_score":0.2198899338642756}],"sentiment":"neutral","sentiment_score":0.20446566119790077,"channel":1,"num_words":4,"start":35.59,"end":36.89},{"sentences":[{"text":"Yeah.","start":37.085,"end":37.324997,"sentiment":"neutral","sentiment_score":0.18498839437961576},{"text":"Okay.","start":37.324997,"end":37.824997,"sentiment":"neutral","sentiment_score":0.22576460242271423},{"text":"Perfect.","start":37.885,"end":38.385,"sentiment":"positive","sentiment_score":0.3468517065048218},{"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":39.164997,"end":46.065,"sentiment":"neutral","sentiment_score":0.05680082160337218}],"sentiment":"neutral","sentiment_score":0.07515089155640453,"channel":0,"num_words":32,"start":37.085,"end":46.065},{"sentences":[{"text":"Yep.","start":46.425,"end":46.745,"sentiment":"neutral","sentiment_score":0.06863526999950409},{"text":"No worries.","start":46.745,"end":47.405,"sentiment":"neutral","sentiment_score":0.12901019304990768}],"sentiment":"neutral","sentiment_score":0.10888521869977315,"channel":1,"num_words":3,"start":46.425,"end":47.405},{"sentences":[{"text":"Perfect.","start":47.885,"end":48.385,"sentiment":"neutral","sentiment_score":0.26033538579940796},{"text":"And just to confirm I am speaking with the right person, could I just get you to please confirm your full name, date of birth, and address for me, please?","start":48.445,"end":57.0,"sentiment":"neutral","sentiment_score":0.08072122260928154}],"sentiment":"neutral","sentiment_score":0.08651522787347916,"channel":0,"num_words":31,"start":47.885,"end":57.0},{"sentences":[{"text":"Tony Robert Barnes.","start":57.22,"end":58.52,"sentiment":"neutral","sentiment_score":0.009658451502521833},{"text":"Seventh of","start":58.82,"end":59.46,"sentiment":"neutral","sentiment_score":0.01451416639611125}],"sentiment":"neutral","sentiment_score":0.0116007374599576,"channel":1,"num_words":5,"start":57.22,"end":59.46},{"sentences":[{"text":"Yep.","start":59.22,"end":59.72,"sentiment":"neutral","sentiment_score":0.020982317626476288}],"sentiment":"neutral","sentiment_score":0.020982317626476288,"channel":0,"num_words":1,"start":59.22,"end":59.72},{"sentences":[{"text":"the second nineteen eighty eight.","start":59.46,"end":61.56,"sentiment":"neutral","sentiment_score":0.0225972693413496}],"sentiment":"neutral","sentiment_score":0.0225972693413496,"channel":1,"num_words":5,"start":59.46,"end":61.56},{"sentences":[{"text":"Yep.","start":61.940002,"end":62.440002,"sentiment":"neutral","sentiment_score":0.019530583173036575}],"sentiment":"neutral","sentiment_score":0.019530583173036575,"channel":0,"num_words":1,"start":61.940002,"end":62.440002},{"sentences":[{"text":"And 2 F 919 York Road, Janice, Indiana.","start":62.260002,"end":65.88,"sentiment":"neutral","sentiment_score":0.022808245732448995}],"sentiment":"neutral","sentiment_score":0.022808245732448995,"channel":1,"num_words":8,"start":62.260002,"end":65.88},{"sentences":[{"text":"Perfect.","start":66.595,"end":66.995,"sentiment":"positive","sentiment_score":0.4289809465408325},{"text":"That's exactly what I have here.","start":66.995,"end":68.51501,"sentiment":"positive","sentiment_score":0.48611200352509815},{"text":"How's your day been?","start":68.51501,"end":69.555,"sentiment":"neutral","sentiment_score":0.1597747541964054},{"text":"Been busy?","start":69.555,"end":70.295006,"sentiment":"neutral","sentiment_score":-0.0043848976492881775}],"sentiment":"neutral","sentiment_score":0.305844783782959,"channel":0,"num_words":13,"start":66.595,"end":70.295006},{"sentences":[{"text":"Yeah.","start":70.74,"end":71.06,"sentiment":"neutral","sentiment_score":0.0053878528997302055},{"text":"A little bit busy today.","start":71.06,"end":72.28,"sentiment":"neutral","sentiment_score":-0.018747914209961893}],"sentiment":"neutral","sentiment_score":-0.014725286358346542,"channel":1,"num_words":6,"start":70.74,"end":72.28},{"sentences":[{"text":"Yeah.","start":72.035,"end":72.535,"sentiment":"neutral","sentiment_score":0.020499488338828087}],"sentiment":"neutral","sentiment_score":0.020499488338828087,"channel":0,"num_words":1,"start":72.035,"end":72.535},{"sentences":[{"text":"Yeah.","start":72.315,"end":72.815,"sentiment":"neutral","sentiment_score":0.02086823061108589}],"sentiment":"neutral","sentiment_score":0.02086823061108589,"channel":1,"num_words":1,"start":72.315,"end":72.815},{"sentences":[{"text":"Do you have much to do for the rest of the afternoon?","start":72.995,"end":75.33501,"sentiment":"neutral","sentiment_score":0.009602646809071302}],"sentiment":"neutral","sentiment_score":0.009602646809071302,"channel":0,"num_words":12,"start":72.995,"end":75.33501},{"sentences":[{"text":"No.","start":76.395004,"end":76.795006,"sentiment":"neutral","sentiment_score":-0.12783142924308777},{"text":"Not really.","start":76.795006,"end":77.535,"sentiment":"neutral","sentiment_score":-0.16195803880691528},{"text":"It's almost done.","start":77.835,"end":78.635,"sentiment":"neutral","sentiment_score":-0.12727735936641693}],"sentiment":"neutral","sentiment_score":-0.1389299308260282,"channel":1,"num_words":6,"start":76.395004,"end":78.635},{"sentences":[{"text":"Perfect.","start":78.450005,"end":78.950005,"sentiment":"neutral","sentiment_score":0.20635758340358737}],"sentiment":"neutral","sentiment_score":0.20635758340358737,"channel":0,"num_words":1,"start":78.450005,"end":78.950005},{"sentences":[{"text":"So","start":78.635,"end":79.135,"sentiment":"neutral","sentiment_score":0.14801880717277527}],"sentiment":"neutral","sentiment_score":0.14801880717277527,"channel":1,"num_words":1,"start":78.635,"end":79.135},{"sentences":[{"text":"Oh, that's good.","start":79.57,"end":80.630005,"sentiment":"neutral","sentiment_score":0.2622489829858144}],"sentiment":"neutral","sentiment_score":0.2622489829858144,"channel":0,"num_words":3,"start":79.57,"end":80.630005},{"sentences":[{"text":"yeah.","start":80.395004,"end":80.895004,"sentiment":"neutral","sentiment_score":0.1449999213218689}],"sentiment":"neutral","sentiment_score":0.1449999213218689,"channel":1,"num_words":1,"start":80.395004,"end":80.895004},{"sentences":[{"text":"Well, I will try not to keep you for too long, Tony.","start":80.69,"end":83.270004,"sentiment":"neutral","sentiment_score":0.034247549871603646},{"text":"Before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or any questions or anything that you have, or is it just a bit of a catch up and see where where everything's at?","start":84.21001,"end":97.205,"sentiment":"neutral","sentiment_score":0.040490646881085855}],"sentiment":"neutral","sentiment_score":0.03935553833390727,"channel":0,"num_words":66,"start":80.69,"end":97.205},{"sentences":[{"text":"Yeah.","start":97.4,"end":97.72,"sentiment":"neutral","sentiment_score":0.0837719738483429},{"text":"Just another catch up.","start":97.72,"end":98.68,"sentiment":"neutral","sentiment_score":0.08561532571911812},{"text":"I'm pretty happy with how things are going.","start":98.68,"end":100.759995,"sentiment":"positive","sentiment_score":0.3530173599720001},{"text":"So","start":100.759995,"end":101.259995,"sentiment":"neutral","sentiment_score":0.1594083309173584}],"sentiment":"neutral","sentiment_score":0.2435557491012982,"channel":1,"num_words":14,"start":97.4,"end":101.259995},{"sentences":[{"text":"Yeah.","start":101.58501,"end":102.08501,"sentiment":"neutral","sentiment_score":0.2345108985900879},{"text":"Perfect.","start":102.225006,"end":102.725006,"sentiment":"neutral","sentiment_score":0.30632472038269043},{"text":"So what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in in your life and if we need to make any changes for the advice at all.","start":103.920006,"end":115.380005,"sentiment":"neutral","sentiment_score":0.1009032334736053}],"sentiment":"neutral","sentiment_score":0.10782219575984138,"channel":0,"num_words":49,"start":101.58501,"end":115.380005},{"sentences":[{"text":"yep.","start":115.69501,"end":116.19501,"sentiment":"neutral","sentiment_score":0.02440916933119297}],"sentiment":"neutral","sentiment_score":0.02440916933119297,"channel":1,"num_words":1,"start":115.69501,"end":116.19501},{"sentences":[{"text":"So just kind of bear with me as I go through these questions.","start":115.840004,"end":119.465,"sentiment":"neutral","sentiment_score":0.036522371837726005},{"text":"Now when it comes to your personal information, I have you down here as single with true financial dependents.","start":120.244995,"end":126.744995,"sentiment":"neutral","sentiment_score":0.06383125229101431},{"text":"Is that correct?","start":126.884995,"end":127.705,"sentiment":"neutral","sentiment_score":0.04558547710378965}],"sentiment":"neutral","sentiment_score":0.052124030249459406,"channel":0,"num_words":35,"start":115.840004,"end":127.705},{"sentences":[{"text":"Yes and no.","start":129.56,"end":131.18,"sentiment":"neutral","sentiment_score":-0.043833562483390175},{"text":"So my daughter is 19 now, so","start":132.115,"end":135.815,"sentiment":"neutral","sentiment_score":-0.025868839717337062}],"sentiment":"neutral","sentiment_score":-0.031258256547152995,"channel":1,"num_words":10,"start":129.56,"end":135.815},{"sentences":[{"text":"Okay.","start":135.38,"end":135.88,"sentiment":"neutral","sentiment_score":-0.015048095025122166}],"sentiment":"neutral","sentiment_score":-0.015048095025122166,"channel":0,"num_words":1,"start":135.38,"end":135.88},{"sentences":[{"text":"she's not really a financial 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since you last had any anything, so whether that's a vape or cigarettes or anything like that,","start":324.27,"end":337.995,"sentiment":"neutral","sentiment_score":0.030932174906844183}],"sentiment":"neutral","sentiment_score":0.03903523508621299,"channel":0,"num_words":46,"start":321.895,"end":337.995},{"sentences":[{"text":"Yep.","start":338.4,"end":338.9,"sentiment":"neutral","sentiment_score":0.1113228052854538}],"sentiment":"neutral","sentiment_score":0.1113228052854538,"channel":1,"num_words":1,"start":338.4,"end":338.9},{"sentences":[{"text":"if it's been twelve months, they can classify you as a nonsmoker, which will mean that your insurance premium will get quite a bit 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earlier?","start":538.28503,"end":547.665,"sentiment":"neutral","sentiment_score":-0.02312045018853886}],"sentiment":"neutral","sentiment_score":-0.030573347943925088,"channel":0,"num_words":31,"start":535.965,"end":547.665},{"sentences":[{"text":"I wouldn't want to retire early, but I","start":548.27496,"end":550.83496,"sentiment":"neutral","sentiment_score":-0.17128116823732853}],"sentiment":"neutral","sentiment_score":-0.17128116823732853,"channel":1,"num_words":8,"start":548.27496,"end":550.83496},{"sentences":[{"text":"Yeah.","start":550.68,"end":551.18,"sentiment":"neutral","sentiment_score":-0.162868469953537}],"sentiment":"neutral","sentiment_score":-0.162868469953537,"channel":0,"num_words":1,"start":550.68,"end":551.18},{"sentences":[{"text":"don't think that will 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super?","start":553.63995,"end":558.86,"sentiment":"neutral","sentiment_score":0.04961278881220257}],"sentiment":"neutral","sentiment_score":0.04961278881220257,"channel":0,"num_words":17,"start":553.63995,"end":558.86},{"sentences":[{"text":"Probably around that, I think.","start":560.53,"end":562.13,"sentiment":"neutral","sentiment_score":0.008927591517567635},{"text":"'65.","start":562.13,"end":563.11005,"sentiment":"neutral","sentiment_score":0.01333562284708023}],"sentiment":"neutral","sentiment_score":0.009662263405819735,"channel":1,"num_words":6,"start":560.53,"end":563.11005},{"sentences":[{"text":"Around 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those?","start":814.375,"end":815.515,"sentiment":"neutral","sentiment_score":0.05052640661597252}],"sentiment":"neutral","sentiment_score":0.064168639329015,"channel":0,"num_words":49,"start":801.56,"end":815.515},{"sentences":[{"text":"Yep.","start":815.91,"end":816.41,"sentiment":"neutral","sentiment_score":0.051877573132514954}],"sentiment":"neutral","sentiment_score":0.051877573132514954,"channel":1,"num_words":1,"start":815.91,"end":816.41},{"sentences":[{"text":"Yep.","start":816.695,"end":817.195,"sentiment":"neutral","sentiment_score":0.04828149080276489},{"text":"Now can you see one where it says 2025 Vanguard index chart?","start":817.335,"end":822.155,"sentiment":"neutral","sentiment_score":0.04609641960511605}],"sentiment":"neutral","sentiment_score":0.04626450200493519,"channel":0,"num_words":13,"start":816.695,"end":822.155},{"sentences":[{"text":"Yep.","start":822.765,"end":823.265,"sentiment":"neutral","sentiment_score":0.04675554856657982}],"sentiment":"neutral","sentiment_score":0.04675554856657982,"channel":1,"num_words":1,"start":822.765,"end":823.265},{"sentences":[{"text":"Yeah.","start":823.56,"end":823.72,"sentiment":"neutral","sentiment_score":0.05064205825328827},{"text":"Could you open that one for me?","start":823.72,"end":825.33997,"sentiment":"neutral","sentiment_score":0.05126397418124335},{"text":"Yes.","start":830.04,"end":830.54,"sentiment":"neutral","sentiment_score":0.13162964582443237},{"text":"So this is a it's a good visual representation of what we are talking about when we're talking about the 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your portfolio to try to minimize that.","start":1052.85,"end":1061.385,"sentiment":"neutral","sentiment_score":0.16279241673905273}],"sentiment":"neutral","sentiment_score":0.16279241673905273,"channel":0,"num_words":29,"start":1052.85,"end":1061.385},{"sentences":[{"text":"Yes.","start":1061.875,"end":1062.375,"sentiment":"neutral","sentiment_score":0.2272019535303116}],"sentiment":"neutral","sentiment_score":0.2272019535303116,"channel":1,"num_words":1,"start":1061.875,"end":1062.375},{"sentences":[{"text":"So we will leave you in a high growth.","start":1061.9451,"end":1064.365,"sentiment":"neutral","sentiment_score":0.3078487018744151},{"text":"Now as we are talking about your portfolio, actually, if you go back to the email, you 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if you do jump in to Hub twenty four yourself, you will also see that once that's been authorized and processed, you will see that change in contact details in hub twenty four for yourself.","start":2049.24,"end":2060.055,"sentiment":"neutral","sentiment_score":0.25073229024807614},{"text":"But I will let the team know to go and update that for you.","start":2060.055,"end":2062.635,"sentiment":"neutral","sentiment_score":0.2783118933439255}],"sentiment":"neutral","sentiment_score":0.25880521477437485,"channel":0,"num_words":51,"start":2049.0,"end":2062.635},{"sentences":[{"text":"Yep.","start":2062.8,"end":2063.2,"sentiment":"neutral","sentiment_score":0.22703103721141815},{"text":"Okay.","start":2063.2,"end":2063.44,"sentiment":"positive","sentiment_score":0.35980501770973206},{"text":"Thank","start":2063.44,"end":2063.68,"sentiment":"positive","sentiment_score":0.5035081505775452}],"sentiment":"positive","sentiment_score":0.3634480684995651,"channel":1,"num_words":3,"start":2062.8,"end":2063.68},{"sentences":[{"text":"Yeah.","start":2063.655,"end":2064.135,"sentiment":"neutral","sentiment_score":0.18772616982460025}],"sentiment":"neutral","sentiment_score":0.18772616982460025,"channel":0,"num_words":1,"start":2063.655,"end":2064.135},{"sentences":[{"text":"you so much","start":2063.68,"end":2064.24,"sentiment":"positive","sentiment_score":0.7280806303024292}],"sentiment":"positive","sentiment_score":0.7280806303024292,"channel":1,"num_words":3,"start":2063.68,"end":2064.24},{"sentences":[{"text":"Perfect.","start":2064.135,"end":2064.635,"sentiment":"positive","sentiment_score":0.5951771140098572}],"sentiment":"positive","sentiment_score":0.5951771140098572,"channel":0,"num_words":1,"start":2064.135,"end":2064.635},{"sentences":[{"text":"for that.","start":2064.24,"end":2064.705,"sentiment":"positive","sentiment_score":0.7254761159420013}],"sentiment":"positive","sentiment_score":0.7254761159420013,"channel":1,"num_words":2,"start":2064.24,"end":2064.705},{"sentences":[{"text":"No worries.","start":2064.855,"end":2065.255,"sentiment":"positive","sentiment_score":0.5077311545610428},{"text":"Thanks for letting me know.","start":2065.255,"end":2066.375,"sentiment":"positive","sentiment_score":0.7824412703514099},{"text":"That was very good attention to detail.","start":2066.375,"end":2068.155,"sentiment":"positive","sentiment_score":0.7537705131939479}],"sentiment":"positive","sentiment_score":0.7288615895169122,"channel":0,"num_words":14,"start":2064.855,"end":2068.155},{"sentences":[{"text":"Yes.","start":2068.3052,"end":2068.8052,"sentiment":"neutral","sentiment_score":0.2921382188796997}],"sentiment":"neutral","sentiment_score":0.2921382188796997,"channel":1,"num_words":1,"start":2068.3052,"end":2068.8052},{"sentences":[{"text":"Any other questions before I let you go?","start":2069.735,"end":2071.915,"sentiment":"neutral","sentiment_score":0.10989696905016899}],"sentiment":"neutral","sentiment_score":0.10989696905016899,"channel":0,"num_words":8,"start":2069.735,"end":2071.915},{"sentences":[{"text":"No.","start":2072.5452,"end":2072.705,"sentiment":"neutral","sentiment_score":-0.06079727038741112},{"text":"That's everything","start":2072.705,"end":2073.665,"sentiment":"neutral","sentiment_score":0.020810768008232113}],"sentiment":"neutral","sentiment_score":-0.006391911456982297,"channel":1,"num_words":3,"start":2072.5452,"end":2073.665},{"sentences":[{"text":"No?","start":2073.34,"end":2073.84,"sentiment":"neutral","sentiment_score":-0.04546608403325081}],"sentiment":"neutral","sentiment_score":-0.04546608403325081,"channel":0,"num_words":1,"start":2073.34,"end":2073.84},{"sentences":[{"text":"for now, I think.","start":2073.665,"end":2074.725,"sentiment":"neutral","sentiment_score":0.010701966937631369}],"sentiment":"neutral","sentiment_score":0.010701966937631369,"channel":1,"num_words":4,"start":2073.665,"end":2074.725},{"sentences":[{"text":"Yep.","start":2074.8599,"end":2075.3599,"sentiment":"neutral","sentiment_score":0.17575769126415253},{"text":"Beautiful.","start":2075.42,"end":2075.9,"sentiment":"positive","sentiment_score":0.6539922952651978},{"text":"If you think of anything or have any other questions, let me know.","start":2075.9,"end":2078.72,"sentiment":"neutral","sentiment_score":0.2812241269991948},{"text":"But, otherwise, I look forward to speaking with you on Tuesday, the twelfth.","start":2079.02,"end":2082.56,"sentiment":"positive","sentiment_score":0.4235129734644523}],"sentiment":"positive","sentiment_score":0.3568332961627415,"channel":0,"num_words":28,"start":2074.8599,"end":2082.56},{"sentences":[{"text":"Alright.","start":2082.78,"end":2083.18,"sentiment":"positive","sentiment_score":0.3713510036468506},{"text":"Thank you so much.","start":2083.18,"end":2083.98,"sentiment":"positive","sentiment_score":0.790806770324707},{"text":"You have a lovely","start":2083.98,"end":2084.7,"sentiment":"positive","sentiment_score":0.6930921971797943}],"sentiment":"positive","sentiment_score":0.7007718748516507,"channel":1,"num_words":9,"start":2082.78,"end":2084.7},{"sentences":[{"text":"No","start":2084.5588,"end":2084.7988,"sentiment":"neutral","sentiment_score":0.324404239654541}],"sentiment":"neutral","sentiment_score":0.324404239654541,"channel":0,"num_words":1,"start":2084.5588,"end":2084.7988},{"sentences":[{"text":"day.","start":2084.7,"end":2085.2,"sentiment":"neutral","sentiment_score":0.23583680391311648}],"sentiment":"neutral","sentiment_score":0.23583680391311648,"channel":1,"num_words":1,"start":2084.7,"end":2085.2},{"sentences":[{"text":"problem.","start":2084.7988,"end":2085.2988,"sentiment":"neutral","sentiment_score":0.20076540112495425},{"text":"You too.","start":2085.439,"end":2085.919,"sentiment":"neutral","sentiment_score":0.16978103667497635},{"text":"We'll speak soon.","start":2085.919,"end":2086.899,"sentiment":"neutral","sentiment_score":0.20595458646615347}],"sentiment":"neutral","sentiment_score":0.19303187231222788,"channel":0,"num_words":6,"start":2084.7988,"end":2086.899},{"sentences":[{"text":"Thank you.","start":2087.02,"end":2087.74,"sentiment":"positive","sentiment_score":0.5394018590450287}],"sentiment":"positive","sentiment_score":0.5394018590450287,"channel":1,"num_words":2,"start":2087.02,"end":2087.74},{"sentences":[{"text":"Okay.","start":2087.679,"end":2088.179,"sentiment":"neutral","sentiment_score":0.16453847289085388}],"sentiment":"neutral","sentiment_score":0.16453847289085388,"channel":0,"num_words":1,"start":2087.679,"end":2088.179},{"sentences":[{"text":"Bye.","start":2087.74,"end":2088.24,"sentiment":"neutral","sentiment_score":0.176071435213089}],"sentiment":"neutral","sentiment_score":0.176071435213089,"channel":1,"num_words":1,"start":2087.74,"end":2088.24},{"sentences":[{"text":"Bye.","start":2088.3188,"end":2088.8188,"sentiment":"neutral","sentiment_score":-0.11982088536024094}],"sentiment":"neutral","sentiment_score":-0.11982088536024094,"channel":0,"num_words":1,"start":2088.3188,"end":2088.8188}]},"summary":{"result":"success","short":"A representative from Financial calls Tony to go over his annual review and personal information. They discuss his health and lifestyle, his estate planning, and his retirement goals. The speaker emphasizes the importance of a balanced growth approach and reducing risk for the customer. The agent explains coverage options and sends a reminder text, and reminds the customer to update their contact details through the Hub 24 system. The call ends with the agent thanking the customer and reminding them to let the team know if they need any further assistance."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you?","start_word":40,"end_word":58,"intents":[{"intent":"Schedule annual review","confidence_score":0.05692593}]},{"text":"And just to confirm I am speaking with the right person, could I just get you to please confirm your full name, date of birth, and address for me, please? Tony Robert Barnes.","start_word":99,"end_word":131,"intents":[{"intent":"Confirm identity","confidence_score":0.15672716},{"intent":"Confirm identity","confidence_score":0.8703092}]},{"text":"Well, I will try not to keep you for too long, Tony. Before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or any questions or anything that you have, or is it just a bit of a catch up and see where where everything's at? Yeah. Just another catch up.","start_word":194,"end_word":264,"intents":[{"intent":"Address concerns","confidence_score":0.17598997}]},{"text":"So what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in in your life and if we need to make any changes for the advice at all. yep.","start_word":276,"end_word":323,"intents":[{"intent":"Review fact find","confidence_score":0.009661304}]},{"text":"I can do is if it's been about six months, I can put a little reminder for the team to give you a call in about six months because that would then be the twelve month mark, and we can look at removing that smokers rate for you. Yep.","start_word":896,"end_word":944,"intents":[{"intent":"Request call back","confidence_score":0.039560307}]},{"text":"How would you feel if in six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in the market?","start_word":1686,"end_word":1714,"intents":[{"intent":"Evaluate portfolio volatility","confidence_score":0.006239293}]},{"text":"Now when we are talking about an asset allocation point of view, so what I might actually do here is do you have access to your emails, Tony?","start_word":2073,"end_word":2100,"intents":[{"intent":"Access emails","confidence_score":0.93264574},{"intent":"Access emails","confidence_score":0.93194973}]},{"text":"Could you open that one for me?","start_word":2199,"end_word":2205,"intents":[{"intent":"Open charts","confidence_score":0.0161265}]},{"text":"So this is a it's a good visual representation of what we are talking about when we're talking about the market. And when we're referring it back to the different risk profiles, it is good in terms of this breaking down the different asset classes.","start_word":2207,"end_word":2251,"intents":[{"intent":"Define asset classes","confidence_score":0.001820747}]},{"text":"Over the long term, you can see the market always goes up. The short term, there will be ups and downs and market fluctuations. Yep.","start_word":2315,"end_word":2339,"intents":[{"intent":"Analyze market growth","confidence_score":0.0012055804},{"intent":"Explain market dynamics","confidence_score":0.008761374}]},{"text":"So a balanced growth, which is kind of how you came out at the moment, is a more social client that wants some growth out of their superannuation while you are still working and contributing, but you also want a conservative element to your portfolio. Yep.","start_word":2426,"end_word":2471,"intents":[{"intent":"Balance growth","confidence_score":0.16566123}]},{"text":"In terms of and percentage of this one, you have a seventy thirty. 70 Alright.","start_word":2471,"end_word":2485,"intents":[{"intent":"Assess portfolio","confidence_score":0.08249245}]},{"text":"when we are also looking at a time frame, so we wanna make sure that looking at this through, you have enough time in the market, all those fluctuations to come back around.","start_word":2568,"end_word":2600,"intents":[{"intent":"Evaluate time frame","confidence_score":0.027553687}]},{"text":"So from those, is there any of those three that you feel more aligned with your values and how you feel?","start_word":2634,"end_word":2654,"intents":[{"intent":"Reflect on values","confidence_score":0.007877873}]},{"text":"So are you happy with seeing the 90 the ninety ten, or do you feel more the eighty twenty?","start_word":2683,"end_word":2701,"intents":[{"intent":"Assess comfort level","confidence_score":0.121831514},{"intent":"Assess comfort level","confidence_score":0.10216644}]},{"text":"term, it continues to go up, you understand that if you are in a high growth, you will have some yes not so good, but then other yes really good. Yeah.","start_word":2767,"end_word":2797,"intents":[{"intent":"Evaluate portfolio volatility","confidence_score":0.00049135677}]},{"text":"Now this is how your individual investment has performed. So the ones in the brackets are down. The other ones are positive. So Alright.","start_word":3133,"end_word":3156,"intents":[{"intent":"Identify investment performance","confidence_score":0.0017886049}]},{"text":"One thing I do wanna highlight is we obviously do a lot of research on your investments all the time, and we wanna make sure that at all points in time, we have you in the best options possible, and things are ever changing.","start_word":3286,"end_word":3329,"intents":[{"intent":"Highlight research on investments","confidence_score":0.18464793},{"intent":"Discuss options","confidence_score":0.0013277844}]},{"text":"Now I could do 3PM on Tuesday, May 12 Going Yep.","start_word":3604,"end_word":3614,"intents":[{"intent":"Confirm availability","confidence_score":0.030813277}]},{"text":"Would you like a reminder text sent, like, two hours before in case, you know, something happens or you forget? Yes, please. If Yeah.","start_word":3673,"end_word":3696,"intents":[{"intent":"Request text reminder","confidence_score":0.0021580227}]},{"text":"We can look at reducing it for you, so reduce it to match your current income. It will make the premium a little bit cheaper.","start_word":4184,"end_word":4208,"intents":[{"intent":"Reduce premium","confidence_score":0.7649178}]},{"text":"The only thing I do wanna stress is that if anything were to change with your income and your income was to go up, what would happen then is if you wanted to go and increase your cover again, it Yep.","start_word":4209,"end_word":4249,"intents":[{"intent":"Increase coverage","confidence_score":0.4730747}]},{"text":"What would happen then is we would have to go through that whole underwriting process again, and then insurers will assess your risk. And if anything Okay.","start_word":4318,"end_word":4344,"intents":[{"intent":"Assess risk","confidence_score":0.8584248}]},{"text":"So it's ultimately up to you if you think that your income will potentially go up with time, we can leave it Yes.","start_word":4381,"end_word":4403,"intents":[{"intent":"Leave income","confidence_score":0.34033072}]},{"text":"If you were to say, no. I'm I'm dropping my hours, and I'm gonna have less and less income, especially, like, as you get older, then we can Yep.","start_word":4499,"end_word":4527,"intents":[{"intent":"Adjust hours","confidence_score":0.17111845}]},{"text":"And then once we do get rid of those smokers right for you in about six months, then that will significantly reduce the premium altogether as well. Yes.","start_word":4551,"end_word":4578,"intents":[{"intent":"Provide insurance","confidence_score":0.054052915},{"intent":"Restore documents","confidence_score":0.000051729396}]},{"text":"Now, otherwise, you will see in the email, you will see where two documents were assessed, COC. Can you see that?","start_word":4581,"end_word":4601,"intents":[{"intent":"Access documents","confidence_score":0.017621355}]},{"text":"Now the last thing here, Tony, is if you're happy to do so, if you wanna click on the link where it says sign now, it will just Yep. ask you to sign through documents. Now the first one it should ask you to sign is an ongoing service agreement. Can you see that?","start_word":4992,"end_word":5045,"intents":[{"intent":"Sign service agreement","confidence_score":0.0032249454}]},{"text":"It looks like you already signed it, which is great, Okay. but I do wanna just let you know what you signed. Yeah.","start_word":5077,"end_word":5099,"intents":[{"intent":"Confirm signing","confidence_score":0.053793654}]},{"text":"One was their ongoing service agreement. Now that is just to say that you are happy to stay on a sick claim. Now Yep.","start_word":5105,"end_word":5128,"intents":[{"intent":"Share agreement details","confidence_score":0.004672778}]},{"text":"then the second one was just a tax file compliance form just to say that we are keeping your tax file number secure on file.","start_word":5218,"end_word":5242,"intents":[{"intent":"Share tax file compliance form","confidence_score":0.011266219}]},{"text":"So if it is there, you have access to download them. If not, I always have a copy on file. So if you ever want a copy or anything of of any of those documents, I have a copy on file for you. Yep.","start_word":5280,"end_word":5323,"intents":[{"intent":"Request documents","confidence_score":0.019367108}]},{"text":"Have you recently changed phone numbers at all?","start_word":5445,"end_word":5452,"intents":[{"intent":"Update contact details","confidence_score":0.054923046}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Toni? Oh, sorry. Give me one second. Sure. Hello? Yeah. Is this Tony I'm speaking with? Yes. It is. This is Veronica from Financial. How are you?","start_word":0,"end_word":31,"sentiment":"neutral","sentiment_score":0.0532979853451252},{"text":"I'm good. Thanks. How are you doing? Good. I had you booked in to go over your annual review.","start_word":32,"end_word":50,"sentiment":"positive","sentiment_score":0.410137414932251},{"text":"Is now still a good time for you? Yeah. Now it's fine. Yeah. Okay.","start_word":51,"end_word":64,"sentiment":"neutral","sentiment_score":0.25907453894615173},{"text":"Perfect.","start_word":65,"end_word":65,"sentiment":"positive","sentiment_score":0.3468517065048218},{"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. Yep. No worries. Perfect. And just to confirm I am speaking with the right person, could I just get you to please confirm your full name, date of birth, and address for me, please? Tony Robert Barnes. Seventh Yep. of the second nineteen eighty eight. Yep. And 2 F 919 York Road, Janice, Indiana.","start_word":66,"end_word":148,"sentiment":"neutral","sentiment_score":0.05907772853970528},{"text":"Perfect. That's exactly what I have here.","start_word":149,"end_word":155,"sentiment":"positive","sentiment_score":0.4664858281612396},{"text":"How's your day been? Been busy? Yeah. A little bit busy today. Yeah. Yeah. Do you have much to do for the rest of the afternoon? No. Not really. It's almost done. Perfect. So Oh, that's good. yeah. Well, I will try not to keep you for too long, Tony. Before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you would like me to address today or any questions or anything that you have, or is it just a bit of a catch up and see where where everything's at? Yeah. Just another catch up.","start_word":156,"end_word":264,"sentiment":"neutral","sentiment_score":0.042099013924598694},{"text":"I'm pretty happy with how things are going.","start_word":265,"end_word":272,"sentiment":"positive","sentiment_score":0.34784525632858276},{"text":"So Yeah. Perfect. So what I will do first is just to run through a bit of an updated fact find with you just to see if there's anything major that has changed in in your life and if we need to make any changes for the advice at all. yep. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as single with true financial dependents. Is that correct? Yes and no. So my daughter is 19 now, so Okay. she's not really a financial dependent. Yep. Yep. Yep. But I've still got my son's still not quite 16. So Okay. So two children, but one financial dependent, essentially. yep. Yep.","start_word":273,"end_word":400,"sentiment":"neutral","sentiment_score":0.05144658530480229},{"text":"Perfect.","start_word":401,"end_word":401,"sentiment":"positive","sentiment_score":0.5346947908401489},{"text":"Now I have here next of kin your mom, Carolyn, nominated. Is that still okay? Yep. Yep. Perfect. And her phone number hasn't changed recently, still ends with 804? Yep. Still the same one.","start_word":402,"end_word":435,"sentiment":"neutral","sentiment_score":0.15599092841148376},{"text":"Great. Perfect.","start_word":436,"end_word":437,"sentiment":"positive","sentiment_score":0.4603840112686157},{"text":"Now when it comes to occupation, has any of that changed or still working as a storeman? Still working as a storeman. Yep. Perfect. I do have here that you work full time and income of around 70,000. A little bit less, I think it is Okay. now. Yeah. Do you know roughly how much? Probably about 62, I think, 60? maybe. Maybe Yeah. 65. I'm not a 100 Sixty five. sure. That's okay. I'll do 62 to 65. Does it vary do you do, like, overtime or anything like it, or is it No. Well, I've stepped down from supervisor okay. about Yep. a year and a half ago, so I'm just Yep. storming now. Yep. Okay. Perfect. Yep. So about 65 ish. Yeah. 62 to 65. I have here expenses per week about 700 and savings about $1.50 a week. Yep. Does that sound about the same? Yeah. I think so pretty much. Yeah. Yeah. Perfect. Otherwise, I have here that your employer makes, like, that standard 12% contribution into super, and you're not making any additional ones yourself, Yep. just that from your employer? Yeah. Perfect. Now when it comes to assets and liabilities, I have here a motor vehicle ride at about 14,000 with nothing owing. Is that correct? Yes. That's still correct. Perfect. Any other assets, savings in the banks, motorbikes, boats? No. Nothing like that. No. Alright.","start_word":438,"end_word":670,"sentiment":"neutral","sentiment_score":0.01131020113825798},{"text":"Perfect.","start_word":671,"end_word":671,"sentiment":"positive","sentiment_score":0.5082706212997437},{"text":"Do you have any other liabilities, like personal loans or credit cards or SIP pay? No. None of it. No. No. Perfect. And health and lifestyle wise, are you a smoker or a nonsmoker? Non smoker. Nonsmoker.","start_word":672,"end_word":708,"sentiment":"neutral","sentiment_score":-0.011121097952127457},{"text":"Perfect.","start_word":709,"end_word":709,"sentiment":"positive","sentiment_score":0.3495303988456726},{"text":"And in the last twelve months, did you used to be a smoker or always been a nonsmoker? Sort of over the last twelve months well, over the last sort of few years, I've been giving up. So Oh, yes. Perfect. And when would you say was the last time you had any nicotine, any or vaping or cigarettes or chewing gum or anything like that? Probably about six months ago. Six months. Okay.","start_word":710,"end_word":783,"sentiment":"neutral","sentiment_score":-0.0368163026869297},{"text":"Perfect.","start_word":784,"end_word":784,"sentiment":"positive","sentiment_score":0.35573071241378784},{"text":"The reason I do ask let me just pull up your insurances is that from the insurance point of view, if it's been twelve months since you last had any anything, so whether that's a vape or cigarettes or anything like that, Yep. if it's been twelve months, they can classify you as a nonsmoker, which will mean that your insurance premium will get quite a bit cheaper. Alright. So, yeah, so what I might do is I'll leave a little note here because I just looked at your insurance policy, which we will go through shortly, is that on your AIA policy, you are currently a smoker. So what Yep. I can do is if it's been about six months, I can put a little reminder for the team to give you a call in about six months because that would then be the twelve month mark, and we can look at removing that smokers rate for you. Yep. Uh-huh. Yep. Hopefully, anyway. So Hopefully. Yeah. Yeah. So I'll make that little note, and Yep. we can kind of get that sorted, which, yeah, which will reduce the premium quite a bit. Yep.","start_word":785,"end_word":978,"sentiment":"neutral","sentiment_score":0.0662110447883606},{"text":"So that's good.","start_word":979,"end_word":981,"sentiment":"positive","sentiment_score":0.5078496932983398},{"text":"Alright.","start_word":982,"end_word":982,"sentiment":"neutral","sentiment_score":0.29504090547561646},{"text":"Perfect.","start_word":983,"end_word":983,"sentiment":"positive","sentiment_score":0.37330490350723267},{"text":"Otherwise, any changes to your health or medications or anything otherwise? No. I'm still on the same medication as I have been for the last, I think, almost two years now. So Yep. Okay.","start_word":984,"end_word":1017,"sentiment":"neutral","sentiment_score":-0.04574038537547869},{"text":"Perfect.","start_word":1018,"end_word":1018,"sentiment":"positive","sentiment_score":0.4721675217151642},{"text":"But no, like, changes otherwise in anything. no. Just kinda yep.","start_word":1019,"end_word":1029,"sentiment":"neutral","sentiment_score":-0.020628776401281357},{"text":"Perfect.","start_word":1030,"end_word":1030,"sentiment":"positive","sentiment_score":0.3966190218925476},{"text":"Now estate planning wise, I have here that for your beneficiaries, so if something were to happen to you, you have a 50% nominate nomination to Alexa and 50 through. That's Yep. correct? Perfect. And they are both your children? Yes. Yes.","start_word":1031,"end_word":1072,"sentiment":"neutral","sentiment_score":0.18624117970466617},{"text":"Great.","start_word":1073,"end_word":1073,"sentiment":"positive","sentiment_score":0.361866295337677},{"text":"Do you otherwise have a a will in place or power of attorney or anything like that? No. Haven't No. done That's okay. any of that. No. That's okay. But you don't have anyone who makes the otherwise financial decisions for you or earn an income overseas or politically exposed at all? No.","start_word":1074,"end_word":1126,"sentiment":"neutral","sentiment_score":-0.009593412280082704},{"text":"That's great. Perfect.","start_word":1127,"end_word":1129,"sentiment":"positive","sentiment_score":0.4496091902256012},{"text":"Now the other thing is kind of, I guess, goals that you're working towards that you are wanting to achieve. So Yep. last time when we spoke to you during the annual review, you kind of mentioned that in the next few years, your main focus was to potentially buy a new car and to Yep. kind of continue building up a bit of a cash buffer to kind of have that ease, you know, this ever a rainy day or you need anything. Is that still kind of your main focus for, you know, the short interim, or has any of that changed? Now for the short term anyway, that's Mhmm. probably the same. Yeah. In the And long term, I wouldn't mind, yeah. like, buying a house or something, but Yeah. that's Perfect. Sorry a long about the time long off. term. Yeah. Yeah. No. It's still a good goal, though. Looking to buy a house. Is there anything else that you're working towards otherwise or that you're wanting to achieve, or that's kind of your No. main I'm not. main focus? Yep. Yeah. Perfect. Now the next thing I do wanna run over with you, Tony, it is just an updated risk profile questionnaire just Yep. to see if there's anything that has changed in your risk tolerance or if you want to make any changes at all. Yep. So just kinda bear with me again as I go through this.","start_word":1130,"end_word":1373,"sentiment":"neutral","sentiment_score":0.06779411683225485},{"text":"It is just multiple choice to make it nice and easy, and there is no right or wrong answer.","start_word":1374,"end_word":1392,"sentiment":"positive","sentiment_score":0.35970261693000793},{"text":"Yep. Now have you ever bought direct shares? What what what was that? Sorry? Bought direct shares on the stock market yourself? Have you ever done any of that personal investing? No. No. No. Perfect. And in terms of superannuation as well, are you still kind of looking at retiring around age 67, or do you think you wanna retire a bit earlier? I wouldn't want to retire early, but I Yeah. don't think that will happen. And in Yeah. an ideal world, would you when would you want to start drawing an income from your super? Probably around that, I think. '65. Around 60 Yeah. five. Yep.","start_word":1393,"end_word":1500,"sentiment":"neutral","sentiment_score":-0.032350990921258926},{"text":"Perfect.","start_word":1501,"end_word":1501,"sentiment":"positive","sentiment_score":0.37855321168899536},{"text":"And an ideal income would be about a thousand dollars per week, or do you think any of that's changed? Will that No. cover That's probably expenses? right, I think. 1,000 Yep. a week. Yeah. Yeah.","start_word":1502,"end_word":1537,"sentiment":"neutral","sentiment_score":0.05951622501015663},{"text":"Perfect.","start_word":1538,"end_word":1538,"sentiment":"positive","sentiment_score":0.3631647825241089},{"text":"And, otherwise, I guess, when it comes to superannuation, is your main focus to just make sure that it continues to grow for your retirement and that you do wanna get, you know, continuous updates on what kind of occurring in regards to your superannuation. Would you say that's Yep. through your super goals? Yep. Yes.","start_word":1539,"end_word":1594,"sentiment":"neutral","sentiment_score":0.20978021621704104},{"text":"Perfect.","start_word":1595,"end_word":1595,"sentiment":"positive","sentiment_score":0.4131477475166321},{"text":"Now the next thing is in regards to how much risk you are willing to take in regards to your superannuation to make sure that it continues to grow above, you know, inflation and rising prices and stuff like that, would you say that you are willing to accept a very high risk, high moderate, or a small amount of risk in order to try to make sure that it continues through to increase and go up? Probably moderate. Moderate? Yeah. Yep. Perfect. And in regards to volatility, sorry.","start_word":1596,"end_word":1684,"sentiment":"neutral","sentiment_score":0.0253058597445488},{"text":"How would you feel if in six months after placing an investment, you found out that your portfolio has decreased by 20% due to general trends in the market?","start_word":1685,"end_word":1713,"sentiment":"negative","sentiment_score":-0.3564245104789734},{"text":"Now would you wanna take advantage of that if you had the option to do so by thinking that now is potentially a good time to invest a little bit more while the prices are down, or would you kind of be a bit neutral, just hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you're selling when the prices have dropped? Probably just natural. Yep.","start_word":1714,"end_word":1793,"sentiment":"neutral","sentiment_score":0.035955965518951416},{"text":"Perfect.","start_word":1794,"end_word":1794,"sentiment":"positive","sentiment_score":0.39375078678131104},{"text":"Yeah. Yeah. Just leave. And if you ever saw your superannuation or any assets ever fall in value, how would you say that make made you feel? Would you say optimistic about potential future investment opportunities, a bit more cautious, not making further investments, concerned, or highly anxious? Probably concerned and highly Concerned. anxious. Yes. Yep. Okay. And last one here is, would you ever consider taking out a loan to invest personally in, like, Pardon? direct on the stock market? Would you ever Oh, consider taking out a loan to invest in the stock market? no. No. Would you ever consider taking out a loan to buy an investment property? No. No. Sorry. Would you consider taking out a loan to buy a property for yourself to live in? Yes. Yep. Perfect. Now that tells me here, Tony, that you have come out as a a balanced growth investor. Now at Yep. the moment, we have you invested in a high growth portfolio. So there is a bit of a difference in terms of how your risk appetite has come out right now in terms of how we have you invested. So Yep. do you know the difference between more like your balance growth and your high growth investor at all? No. Not really. No. So for a high growth, for example, which you which is how you are invested at the moment, It is tailored for for clients who want to get as much growth as you possibly can out of superannuation while you do have the time, but you're also prepared to experience a Yep. higher level of fluctuation in order to achieve that growth. Now when we are talking about an asset allocation point of view, so what I might actually do here is do you have access to your emails, Tony? Yes. I'm done.","start_word":1795,"end_word":2103,"sentiment":"neutral","sentiment_score":-0.005855870791816402},{"text":"Okay. Perfect. So I just sent you an email, and sometimes this makes it a bit easier.","start_word":2104,"end_word":2120,"sentiment":"positive","sentiment_score":0.42020538449287415},{"text":"If you can access your emails for me. Yep. Yep. Yep. Now Yep. we have this change of software, so it might look a little bit different to what you are used to. But before you click on the link where it says sign now, you should see at the bottom of the email a couple of attachments. Can you see those? Yep. Yep. Now can you see one where it says 2025 Vanguard index chart? Yep. Yeah. Could you open that one for me? Yes.","start_word":2121,"end_word":2206,"sentiment":"neutral","sentiment_score":0.07432752847671509},{"text":"So this is a it's a good visual representation of what we are talking about when we're talking about the market.","start_word":2207,"end_word":2227,"sentiment":"positive","sentiment_score":0.3422583341598511},{"text":"And when we're referring it back to the different risk profiles, it is good in terms of this breaking down the different asset classes. So going back to a high growth portfolio, which is how you're invested right now, you have about 90% in what we would classify your growth asset. So that would be, if you look at this graph, the top four. So The US shares, Australian shares, international shares, and property. Now Yep. this graph here takes you back to 1995 through to 2025. Over the long term, you can see the market always goes up. The short term, there will be ups and downs and market fluctuations. Yep. The more growth you have, the most of sorry. The more growth assets, the higher fluctuation, but then on a long term, you see a higher growth. So Yeah. at the moment, 90% is in those top 10% in defensive, which will be your bottom three. A gold of stuff can also sometimes fall into this category, and these are the ones that's kinda, like, stabilized. You can see that they are still growing, but a lot less, but they're a lot more stable. Yes.","start_word":2228,"end_word":2424,"sentiment":"neutral","sentiment_score":0.133441761136055},{"text":"So a balanced growth, which is kind of how you came out at the moment, is a more social client that wants some growth out of their superannuation while you are still working and contributing, but you also want a conservative element to your portfolio.","start_word":2425,"end_word":2469,"sentiment":"positive","sentiment_score":0.45767301321029663},{"text":"Yep. In terms of and percentage of this one, you have a seventy thirty. 70 Alright. in the top, yeah, 30 in the bottom. Now we also have one that's in between these two, and that is a growth one. So a growth is in between where you have about an eighty twenty. So you have 80 in the top, 20 Yep. in the bottom. And it's kind of one step down from where you are right now in terms of a high growth, but a little bit more than you're a little bit more defensive. So Yes. when we are also looking at a time frame, so we wanna make sure that looking at this through, you have enough time in the market, all those fluctuations to come back around. In a high growth, we wanna say a minimum of eight years to retirement, growth, six years, balance growth, five years. But it Yeah. also comes down to what you are comfortable with. So from those, is there any of those three that you feel more aligned with your values and how you feel? Probably more the top well, the top ones, I think. The So top one? pretty So much what I'm on now, I think, isn't okay. it? Yes. Yeah. So are you happy with seeing the 90 the ninety ten, or do you feel more the eighty twenty? Probably the ninety ten, I The think. ninety ten? Okay.","start_word":2470,"end_word":2711,"sentiment":"neutral","sentiment_score":0.12626422941684723},{"text":"Perfect.","start_word":2712,"end_word":2712,"sentiment":"positive","sentiment_score":0.5155024528503418},{"text":"Yeah. So the way that you are at the moment, even though I know that some of the questions for you were that you would feel a little bit more concerned, you would still Yes. be comfortable as long as long term, it's not obviously every year. Like, as long as long Yeah. term, it continues to go up, you understand that if you are in a high growth, you will have some yes not so good, but then other yes really good. Yeah. Yeah. I've still That's got okay. thirty odd years to go. So Exactly. You yeah. have plenty of time. Okay.","start_word":2713,"end_word":2816,"sentiment":"neutral","sentiment_score":-0.00933106093165966},{"text":"Perfect. Now from that, I'm happy to leave you in a high growth portfolio because, yeah, you do have plenty of time as long as yeah.","start_word":2817,"end_word":2842,"sentiment":"positive","sentiment_score":0.4796442091464996},{"text":"Obviously, you understand that throughout time, there will be some ups and downs. Some years will be really, really good, and some, you know, slightly less, but it's also how we then construct and diversify your portfolio to try to minimize that. Yes. So we will leave you in a high growth. Now as we are talking about your portfolio, actually, if you go back to the email, you will Yes. then see one where it says a twelve month, hub 24 IRR. Can you see that? Yep. Yep.","start_word":2843,"end_word":2931,"sentiment":"neutral","sentiment_score":0.12813280522823334},{"text":"Perfect.","start_word":2932,"end_word":2932,"sentiment":"positive","sentiment_score":0.33684414625167847},{"text":"If you wanna open that one for me. Yep. Yep. Now this one can look a little bit messy, but it basically breaks down all your investments and how they have performed and what's happened in the last twelve months. So I kind of touched on it briefly, but the last twelve months, we've obviously seen a bit of fluctuations in the market. So first, you Yes. had obviously everything in The US with Trump and the tariffs and everything, and more recently, obviously, the war. So we have seen quite a bit of fluctuations in the last twelve months. Yep. Despite that, though, your portfolio has still overall held up pretty good. So in the last twelve months, after fees or after all fees have come out of your account, your portfolio is still up, and it's up by about 6.73%, Who? which is Six. not too bad, yeah, given what's happened Yes. in the market. Now on that as well, you can see if you scroll through yeah. On the first page here, you can Yep. see on the second column to the right where it says the internal rate of return. Can you see that? Yep. Yep.","start_word":2933,"end_word":3132,"sentiment":"neutral","sentiment_score":0.08208302214741707},{"text":"Now this is how your individual investment has performed. So the ones in the brackets are down. The other ones are positive. So Alright. you Well, can one yeah. that third 119%. It's insane. And that's your Global X battery tech and lithium.","start_word":3133,"end_word":3175,"sentiment":"positive","sentiment_score":0.435952752828598},{"text":"Obviously, fuel prices moving to electric vehicles and the batteries and stuff like that.","start_word":3176,"end_word":3189,"sentiment":"neutral","sentiment_score":0.1917952448129654},{"text":"That one has gone through the roof.","start_word":3190,"end_word":3196,"sentiment":"positive","sentiment_score":0.4869917035102844},{"text":"So that Yeah. one has been crazy. That's Yes. You can also see Asia, the Asia 50, then about 72%. But you can also see that the way that your portfolio is constructed is they balance each other. So there'll be some areas where not doing as well where other areas are doing really well. So, obviously, Yeah. as things do happen in the world and the market, you won't have as much of an impact because you'll kind of negate each other in a in a way. Yep. One thing I do wanna highlight is we obviously do a lot of research on your investments all the time, and we wanna make sure that at all points in time, we have you in the best options possible, and things are ever changing. So we've done a lot of research at the moment on your top one, which is the Benelong Australian Equity. And this is one that's down at the moment. So when you came on board and up until quite recently, it's done really, really well. It was one of Yep. the top performing fund managers, and the function behind that one investment is to kind of actively buy and sell different investments in order to kinda outperform the market. Now more recently, they've been a little bit slower in terms of making those decisions, and they've kind of underperformed a little bit. So what I would like to do, if you are happy for me to do so, is to do a little bit more in-depth on that investment and put together a proposal to see if we can swap this one out something else that's going to do a little bit better for you moving forward. Would you Yep. be happy for me to do that? Yep. No. That sounds Yep.","start_word":3197,"end_word":3501,"sentiment":"neutral","sentiment_score":0.0791691467165947},{"text":"good. Yep. Perfect.","start_word":3502,"end_word":3504,"sentiment":"positive","sentiment_score":0.5715012550354004},{"text":"Now it will take me about a week or so to put together the research. I will Yep.","start_word":3505,"end_word":3522,"sentiment":"neutral","sentiment_score":0.3014254570007324},{"text":"then put together a proposal for you, go through it with you, and then you can let me know if you are happy with the change.","start_word":3523,"end_word":3548,"sentiment":"positive","sentiment_score":0.3590606451034546},{"text":"Yep. Alright. So when is typically a best time for you to to go through that, Tony? Probably sorta yeah. This sort of time in the afternoons. Okay. Let me have a look. So about 03:00. Now let me have a look because in our afternoon's still up very, very quickly. Yep. Let me see. Now I could do 3PM on Tuesday, May 12 Going Yep. about No. That's still Would good. that would Two that weeks. work? Yeah. Yeah. No. It's alright. Okay.","start_word":3549,"end_word":3632,"sentiment":"neutral","sentiment_score":0.04419805854558945},{"text":"Perfect.","start_word":3633,"end_word":3633,"sentiment":"positive","sentiment_score":0.42508140206336975},{"text":"So I will book that in. Now if anything does change and you can't make the appointment or work or anything, just let me know, and I'll see if I can shuffle a few things around for you. Yep. Would you like a reminder text sent, like, two hours before in case, you know, something happens or you forget? Yes, please. If Yeah. I can. Yeah. Yeah.","start_word":3634,"end_word":3700,"sentiment":"neutral","sentiment_score":0.12476413697004318},{"text":"Perfect. I'll do that. But, otherwise, as a whole, like I said, it's done pretty good considering the last twelve months. So happy with that.","start_word":3701,"end_word":3725,"sentiment":"positive","sentiment_score":0.4704900979995727},{"text":"Yes. Yes. No. Now if you wanna go back to your email for me and if you wanna Yep. open the one where it says super and Too insurance summary, if you could open that bad. one Yep. for me and let me know if you can see that. Yep. Yep. Perfect. Now you can see here that you obviously have your superannuation with HUB24. You can see that you do have about $78,614 in there. And then underneath that, you can see your insurances. Yep. So with your insurances, you have life and total permanent disability. Now you do have 551,250 worth of life and TTD. Are you Yep.","start_word":3726,"end_word":3835,"sentiment":"neutral","sentiment_score":0.02556770108640194},{"text":"still happy with those level of coverage?","start_word":3836,"end_word":3842,"sentiment":"positive","sentiment_score":0.4230196475982666},{"text":"Do you still think that would meet, you know, your needs if something were to happen and you can't work? Yeah.","start_word":3843,"end_word":3863,"sentiment":"neutral","sentiment_score":-0.05194258317351341},{"text":"I think that should be right for now, I think.","start_word":3864,"end_word":3873,"sentiment":"positive","sentiment_score":0.3644823431968689},{"text":"Yep. Yep. Yeah. Yeah. And because you don't have any debts, you don't have to worry about, you know, clearing out any outstanding debt or credit cards or personal loans Yeah. or anything. So that would mainly be, obviously, if you can't go back to work, a bit of a lump sum to help, obviously, assist with, if you can't go back to work, Yeah. if if you ever were to become TPD or, obviously, life insurance is sent for for your children if something were to happen. There's also your super on top of that if something ever were to happen. Yes. And with your income protection, that will be a monthly amount of $4,667 per month. You have a thirty day waiting period and a five year benefit period. Are you still happy with that level of cover and everything like that as well? Yeah. So that five year benefits, that means it'll be pretty much 4 and a half thousand a month for the five years. Is it? Correct. Yep. Alright. No. Now That's Now. now the Seems way alright. that the income, yeah, the way that the income protection does work, which I do wanna flag with you, is that it is a percentage of your income at the time of claim. So Yep. it is 70% of your income you can be covered full. So something to be mindful of is because your income has slightly decreased, not by a lot, but still a little bit, Yep. what would happen is if you were to go and claim tomorrow, so let's say 65,000, 70% of that on a monthly basis is 3,791. Oh, wow. Even though, Yep. yeah, even though you're paying for 4,667, if something were to happen tomorrow, you could only get 3,791. Alright. Yep. Yep. So there Thank are you. two options. We can look at reducing it for you, so reduce it to match your current income.","start_word":3874,"end_word":4199,"sentiment":"neutral","sentiment_score":0.10819265543500338},{"text":"It will make the premium a little bit cheaper.","start_word":4200,"end_word":4208,"sentiment":"positive","sentiment_score":0.3617408871650696},{"text":"The only thing I do wanna stress is that if anything were to change with your income and your income was to go up, what would happen then is if you wanted to go and increase your cover again, it Yep. might be a little bit difficult. For the insurance point of view, it's super easy to decrease. It's just a quick form. They take on less risk.","start_word":4209,"end_word":4276,"sentiment":"neutral","sentiment_score":0.007872316986322403},{"text":"They're happy.","start_word":4277,"end_word":4278,"sentiment":"positive","sentiment_score":0.6029836535453796},{"text":"If you Yep. wanna increase it so let's say we do decrease it to $3.07, and then Yep. in a year's time, you go, no. My my income has gone up. I'm now I now wanna up it. Yeah. What would happen then is we would have to go through that whole underwriting process again, and then insurers will assess your risk. And if anything Okay. has changed with your health or anything or if you take up a super risky occupation or a hobby or anything, there is a chance that they might decline it Okay. or put restrictions on it. So it's ultimately up to you if you think that your income will potentially go up with time, we can leave it Yes. as as long as you know that if something were to happen tomorrow, you are technically paying for a little bit more than you can get. What are your thoughts on that? Yeah. I think it would just be easier just to leave it for now, and then Yes. we Yes. can wait and see. I I agree. I think I think it's better to be slightly over insured if especially with income income tax, especially if you do think that, you know, you might get little pay increases here, there, or things change. Yep. If you were to say, no. I'm I'm dropping my hours, and I'm gonna have less and less income, especially, like, as you get older, then we can Yep. look at reducing it. But I Yes.","start_word":4279,"end_word":4534,"sentiment":"neutral","sentiment_score":-0.04281948506832123},{"text":"think at the moment, it's good.","start_word":4535,"end_word":4540,"sentiment":"positive","sentiment_score":0.36276566982269287},{"text":"Just And then leave once her. we do yeah. And then once we do get rid of those smokers right for you in about six months, then that will significantly reduce the premium altogether as well.","start_word":4541,"end_word":4576,"sentiment":"neutral","sentiment_score":0.2588977050036192},{"text":"Yes. Yep. Great. Perfect.","start_word":4577,"end_word":4580,"sentiment":"positive","sentiment_score":0.5643394589424133},{"text":"Now, otherwise, you will see in the email, you will see where two documents were assessed, COC. Can you see that? Yep. Let me just open it now. That is just your insurance broken down in a little bit more detail for you. So you will have one that just breaks down your life and your total permanent disability. It just lets you know that everything is paid and up to date, and then one is that income protection for you. Yep. Yeah. Yep. I'm looking. Yep. Alright. So it look both the same. Yeah. The only way you can usually it's you can see product name, and then so that usually tells us what it is. And then, also, you can see, like, policy type. So it's quite easy for us to see, but, yes, you can basically if you scroll down, you can even see on the one where it ends with nine four four, you can see where it says income income protection occupation group. So that's an income protection. The Yep. other one is your life and TKD. But it's Okay. not much you Yep. have to worry about, but just basically, it's there for your reference. And, yeah, everything is paid and up to date for you. Yep. Alright. Yep.","start_word":4581,"end_word":4795,"sentiment":"neutral","sentiment_score":0.14306066930294037},{"text":"Perfect.","start_word":4796,"end_word":4796,"sentiment":"positive","sentiment_score":0.3511556386947632},{"text":"Now the other two documents you will see is your financial services guide version four, and then you also have the Oakview services guide version one. Yep. If you want through so the financial services guide version two is just kind of like a a smaller version, which is some important information. It's similar to what you have been sent before, just a bit of an updated version. But if you Yep. wanna open the OTU services guide version one for me. Yep. Yep. Now, again, you probably have seen a couple of these. Had some changes. None of the important information has changed. It's all the same. But everything that you do need to know is in there for you.","start_word":4797,"end_word":4917,"sentiment":"neutral","sentiment_score":0.06807908908394743},{"text":"As you scroll through as well, you will actually see we've had a bit of an extension to the team, which is good.","start_word":4918,"end_word":4940,"sentiment":"positive","sentiment_score":0.4695325791835785},{"text":"And if you want to scroll down to page let's see here. 10. 10. Yep. Yep. You will see a photo of myself there, and sometimes it is nice to put a face to the voice. Yeah. No. That's Yeah. nice to know who I'm talking to. But yeah. Yeah. Exactly. Now the last thing here, Tony, is if you're happy to do so, if you wanna click on the link where it says sign now, it will just Yep. ask you to sign through documents. Now the first one it should ask you to sign is an ongoing service agreement. Can you see that? Oh, just loading at the moment. Yep. No. That's okay. Let's try again. Alright. You will get the signed document by email. Let me see. It may have been yep. Sorry. It looks like you already signed it, which is great, Okay. but I do wanna just let you know what you signed. Yeah. So there was two documents. One was their ongoing service agreement.","start_word":4941,"end_word":5110,"sentiment":"neutral","sentiment_score":0.1545071005821228},{"text":"Now that is just to say that you are happy to stay on a sick claim.","start_word":5111,"end_word":5126,"sentiment":"positive","sentiment_score":0.3337849974632263},{"text":"Now Yep. there is no changes in regards to the advise fee. It stays exactly the same at 1.65 from Super. It is not a Yep. lock in contract at any point in time either. So if there's ever a situation where you're not happy, it is not a lock in contract. So this essentially just lets you, you know, service your account and everything in the meantime. And it is something you do have to sign every year just to make sure you are happy with Yep. everything. And Yep. then the second one was just a tax file compliance form just to say that we are keeping your tax file number secure on file. Now everything is also then saved to your folder as well. So it should allow you to download something if you wanted to, or does it say what can you see on your side? Yeah. Correct. Yeah. So if it is there, you have access to download them. If not, I always have a copy on file. So if you ever want a copy or anything of of any of those documents, I have a copy on file for you. Yep.","start_word":5127,"end_word":5323,"sentiment":"neutral","sentiment_score":0.20862254787822665},{"text":"Otherwise, I have you booked in on Tuesday, May 12 at 3PM to go over the research and those investment changes for you.","start_word":5324,"end_word":5346,"sentiment":"positive","sentiment_score":0.409879595041275},{"text":"Yep. Do you have any other questions or anything else for me otherwise before I let you go this afternoon? Just looking at this one I've just signed.","start_word":5347,"end_word":5374,"sentiment":"neutral","sentiment_score":0.014171933755278587},{"text":"My phone number on there is actually wrong.","start_word":5375,"end_word":5382,"sentiment":"negative","sentiment_score":-0.5191261768341064},{"text":"Okay. Let me have a look. Is that the one where it said there on which document was that? Just so I can let the Other team know. consent to the new ongoing fee arrangement. Alright. Let me have a look. 3328. Yes. I can see that. Let me check what's in your account because, usually, it's pulled directly from from hub. Have you recently changed phone numbers at all? About a year and a half ago, I did. Okay. Let me see. Just what's on your account. Because this pulls it directly from your hub twenty four, and they need to Yeah. match in order for us to do it. So let me have a look here. Yes. Okay. So I can see that the contact details on your hub twenty four has your old mobile. Yep. So what we'll do is if you have it for us to do so, we can still submit the one that you've just signed because it matched. So hub twenty four will verify it. But I will make Yep. a note through as soon as that's been verified. I will let the admin team know to go and update your phone number to the one I'm calling through right now. Yep. Alright. And No worries if at you all. yeah. And if you do jump in to Hub twenty four yourself, you will also see that once that's been authorized and processed, you will see that change in contact details in hub twenty four for yourself. But I will let the team know to go and update that for you. Yep.","start_word":5383,"end_word":5651,"sentiment":"neutral","sentiment_score":0.09863534569740295},{"text":"Okay. Thank Yeah. you so much Perfect. for that. No worries. Thanks for letting me know. That was very good attention to detail.","start_word":5652,"end_word":5674,"sentiment":"positive","sentiment_score":0.67845767347709},{"text":"Yes. Any other questions before I let you go? No. That's everything No? for now, I think. Yep.","start_word":5675,"end_word":5692,"sentiment":"neutral","sentiment_score":0.07154680788516998},{"text":"Beautiful.","start_word":5693,"end_word":5693,"sentiment":"positive","sentiment_score":0.6539922952651978},{"text":"If you think of anything or have any other questions, let me know.","start_word":5694,"end_word":5706,"sentiment":"neutral","sentiment_score":0.2751696705818176},{"text":"But, otherwise, I look forward to speaking with you on Tuesday, the twelfth. Alright. Thank you so much. You have a lovely No day.","start_word":5707,"end_word":5730,"sentiment":"positive","sentiment_score":0.4586019814014435},{"text":"problem. You too. We'll speak soon.","start_word":5731,"end_word":5736,"sentiment":"neutral","sentiment_score":0.18315190076828003},{"text":"Thank you.","start_word":5737,"end_word":5738,"sentiment":"positive","sentiment_score":0.525742769241333},{"text":"Okay. Bye. Bye.","start_word":5739,"end_word":5741,"sentiment":"neutral","sentiment_score":0.14114496111869812}],"average":{"sentiment":"neutral","sentiment_score":0.09873275923695204}}}}