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Yep. 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. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Great. Have yep. Perfect. That's exactly what I have here. And how's your morning been so far? Been busy or just kind of getting started? Yeah. Perfect. Now just before I do jump into the annual review there with you, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on, or it's just a bit of an the usual update? Yep. Perfect. Now, Timothy, I have just sent you an email with some documents to run through with you. Do you have access to emails at the moment or not really right now? Yep. Okay. Perfect. So I'll get you to access access those shortly and run through a couple of those documents. But before I do, I'll just like to run through a bit of an updated fact find to see if there's anything that's changed in your life that requires us to make any changes to your advice at all. Sorry. Yeah. Pretty. Yeah. Great. Perfect. So, obviously, no changes in your marital status or no financial dependence or anything like that? Nope. No. Now it doesn't look like I have a next up team on file for you. Who would you like to nominate, and it can be anybody? Yep. Perfect. And just their name, please. Kylie. And how would you spell that? Perfect. Same last name as you? Yes. Perfect. And best contact number, please. 4022. Great. Perfect. Thank you so much for that. Occupation wise, no changes, all the same as well? Yes. Perfect. I do have here about a 130,000 income from the truck driving. Okay. Let me update that. So are you still doing truck driving, but are there are there mines? No. And what do you do at their mine site now? Yeah. Okay. Operator. And do you do, like, a different rotation for it? Oh, that's pretty good. And how long have you been doing that for? Oh, yeah. Okay. Perfect. And who's your employer? McCarthy. Perfect. Drilling and pumping. And working full time? Yeah. Great. Perfect. Income, did that change a little bit as well then? Yeah. Oh, yep. Perfect. A little bit more. And do you get any, like, bonuses or overtime or stuff like that or just kind of, like, the the yep. And is that on top of the $1.40? Included. Okay. Okay. Perfect. And your employer, they just pay that standard 12% contribution into super, do they? Like, you don't have a special Yeah. Perfect. That's great. And you don't make any additional contributions just out of your employer? Yep. Perfect. No. That's all good. I do have here as well expenses and saving expenses about $1,000 a week and saves roughly 500 a week. Yep. Perfect. Now any changes to your assets, I have five cars combined value at about fifth 80,000. Yeah. About 30,000 owing. Oh, has that changed? But same. Perfect. Also, caravan worth about 50,000. Yep. Savings, I have here about 10,000. No worries. And do you have a property as well? No. Perfect. Just renting at the moment? Yeah. Perfect. Any other assets we haven't gone over? No. Perfect. And any other liabilities, like personal loans or credit card or SIP pay? Not quite perfect. And a little bit about health and lifestyle. Has anything changed? Are you still a nonsmoker? Perfect. Not great. And estate planning wise, I have here that for your beneficiaries, we have 75% for Kylie and 25 for Sarah. Yep. Perfect. And, Kylie, obviously, your wife and Sarah. Who who is she? What's the relationship there? Okay. Perfect. And how old is she? Perfect. Now I do wanna let you know as well with beneficiaries when it comes to obviously kids over 18, they are still a valid nomination very much so. But if they are over 18, there are some special rules if they are, you know, at university or studying or, if there are, like, disabilities and stuff like that. But, otherwise, typically, children over 18 can be taxed up to 302% medical levy for any benefits they receive if something were to happen to you. Yeah. And it is tax free to her. And that's why I do wanna mention it because sometimes people don't know and they they just allocate it that way. But then when they do find out their tax consequences, sometimes they do change it to the partner, and then, obviously, your your wife would support your daughter as well if something were to happen. Yeah. Alright. I will get those resent through you. Because it is making a legal nomination, I will just need you to complete the forms again. Do you have access to a printer at all, or do you prefer post? Post. Okay. Perfect. So what I'll do is I'll get the team to email that to you to make it a bit quicker, especially with post to w a might take a little while. So I'll get them to email that to you. If you can just complete that when you have a moment, return it to us, and then we'll get that updated, for a 100% to your wife. And I can get it prefilled if you would like as well to make it easier. Yep. Perfect. And you're still happy with the binding, non lapsing nominations, obviously, making sure that the trustee are bound to follow your wishes and that it stays in place until you decide to change it. Yep. Great. Perfect. Otherwise, do you guys have a will in place or a power of attorney or anything like that? Nope. That's okay. You don't have anyone who makes any financial decisions on your behalf otherwise? No. Perfect. And you don't earn any income overseas or are politically exposed at all? No. Great. Perfect. Any changes otherwise to your goals and what you are working on? I think the last time we spoke to you, you were kind of focusing on being debt free, continue to enjoy life, maybe take out the caravan for a couple of trips. Still the same. Okay. Perfect. Now next is just to run through another updated risk profile questionnaire with you there, Tim, just to see if anything has changed and if we need to make any changes to your risk profile. So it's all just multiple choice to make it nice and easy. There's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Now have you ever bought direct shares yourself? No. Perfect. And at the moment, when do you think you would like to start accessing your super or retiring? Do you have any idea? No. Do you think, like, '60, '65, '67? Yeah. Okay. Perfect. So more than ten years. Anyway yeah. Yeah. Perfect. Now next is in regards to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to keep up with the rising prices? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk when it comes to your superannuation? High moderate. Okay. Perfect. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you say that you would, think that now is potentially a good time to invest a little bit more while the prices are down, would you say that you would probably hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped? Probably just hold. Yeah. Perfect. Now if you notice your superannuation fluctuate a little bit or any of your other assets, how did that make you feel? Would you think, you know, optimistic about potential future opportunities or a bit more cautious, not wanting to make further investments or concerned or highly anxious? Yep. Okay. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Maybe. Okay. Perfect. And now, Tim, that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all? Alright. So, essentially, they they are pretty similar in that you are still looking at getting as much growth as you possibly can out of your superannuation while you do have the time, and that you are prepared to experience, you know, some higher levels of fluctuation in order to achieve that. Now the difference between the two, is, mainly when it comes through a asset allocation point of view, so how your money is invested. And in a high growth portfolio, typically, we see 90% invested in what we would call your growth assets. Now these are things like Australian shares, international shares, as well as property and commodities, and that is what's going to maximize your returns in those long term. And then about 10% in more defensive assets like cash, gold, fixed interest, for example. The difference in a growth portfolio is about 10%. So we then see about 80% in your growth, 20 in defensive. Now when we are also looking about a time frame, so making sure that you have enough time in the market for those fluctuations. In a high growth portfolio, we do wanna allow a minimum of eight years ideally until retirement, making sure you have enough time for those fluctuations to come back around. Or in a growth portfolio, we do see about six years or so. Does that make sense? Yeah. Perfect. Now would you say that you are comfortable remaining in a high growth, or do you feel like you would like to look at reducing it down to a growth portfolio? Yep. Great. Perfect. We can definitely do that. Now if you have the option of accessing your emails now that for me, that would be great. Now we have just changed to any software, so it might look a little bit different to what it usually does. And to make it easy for you, if you can open your inbox, before clicking on the link, there will be some attachments attached. And if you can just let me know the first ones, and then we can go kinda with the order that you can see. Just before you click on that. So if you click on that link, it will take you to the documents that signing. But before you do it, you should be able to scroll down a little bit more before you click on the link, and there should be a couple of attachments. You should be able to see, like, a Vanguard index chart and a super insurance summary. Yeah. Perfect. Which one is listed first for you? Yes. Yep. So the services guided is an updated financial services guide. We've had a bit of changes in our marketing, which is great. So it's it's very similar to the old ones. Just basically everything that you know, it's important for you to know about us. So it's just a little bit of an updated version. So the services guide is just a condensed version. It just breaks down the team, actually. So if you can open it, and then if you want to scroll down to page let me see. I think it's page 10. You should also see a photo of myself there, and sometimes it is nice to put a face to the voice. Yeah. Perfect. So a little bit about us here for you so you can obviously have a bit of a read over that in your own time. Just a bit bit of an updated marketing material there for you. Now, Tim, what is the next attachment that you can see? Yep. Perfect. I won't get you to click onto that one. It's very similar to the services guide. It is just a longer version. So, again, I'll let you have a read over that in your own time. It's just just an updated one for you. And what is the next one? Yes. Perfect. If you can open that one for me. Sorry. This one here shows us a bit of a breakdown of your current situation. Now I do wanna let you know as well that that TPA, so the third party authority that we have with, they have just expired. So I haven't been able to get updated figures there for you, but part of the signature attachment, there is an updated version. So I will then send that off to Cbus, and we can do a bit of an updated research for you just to check the new the new balance, and just making sure that everything's all good for those insurances. But, otherwise, it is, you know, approximately about 12,000. Could be a little bit more, could be a little bit less, obviously, since we did the research there for you. And can I check with you as well that you have contributions going into Cbus, or have they been changed? Okay. Yeah. Because I did see in Netwealth that I saw a contribution going in through Netwealth in January. And I do wanna just check that as well because, typically, when we are retaining a fund for the purpose of insurances, we do like to keep contributions going into that fund because if there hasn't been any contributions for sixteen months, they can cancel them, and we don't want that to happen. So we wanna make sure that the insurance stays in place. So I will go so before I ask you to change anything, I will go and just get that updated research for you. I will triple check the amount and everything like that, and and then I'll put together a new SOA, so a new strategy paper for you to see if we need to change and roll over some money. Because if there are a little bit more or less in C bus, if you haven't had contributions going, it's probably a good amount. But I do like to just check as well because we wanna obviously have the most amount of money in the fund that's going to give you the most return or the highest return. And and I'll just go and check. And then if sorry. I might suggest that we change your contributions back to C Bus and do regular rollovers, but I will put that all in the paper for you before I get you to change anything. Yeah. Does that make sense? Yeah. Great. Perfect. Otherwise, you have, obviously, net worth where majority of your super is, and you do have a bit of life and total permanent disability. Again, I will check the numbers. You can see roughly that last time what it was, and then, obviously, the premium that comes out of that as well. Now with your insurances as well, are you quite happy with those amounts? Do you feel like they are quite adequate to meet your needs, or what are your thoughts about yeah. Great. Perfect. Now what is the next attachment there otherwise for you? Yeah. Perfect. So if you can click on that one for me. Now this one sometimes does look a little bit messy, but it does show you a bit of a breakdown of your current portfolio at the moment in Netwealth. So it gives you all the different investments and how they've all performed and how it's all done. And I do want to, as well, if you're happy for me to do so, do a bit of a review of your investment because things are always, you know, continuously changing, and it is important to review them, especially with everything going on in the market at the moment, making sure that we have the best options. And overall, a lot of the investments have done pretty okay, but there is one investment that has kind of underperformed a little bit. So I would like to look at changing that one. I'll do the research for you, but that is your Benelung Australian equity. Now that one was added through your portfolio at that time. It is your your active investments that was doing really, really well. But recently, they've kind of underperformed a little bit, and the biggest reason is that one of their investments so not Benelung itself, but one of the investments that they had in that portfolio, the corporate travel group, was suspended for trading. Some of that reporting didn't really add up, so it was suspended for trading, which meant that their share price and everything dropped. So that's kind of caused a bit of fluctuation in that, and it's have underperformed lately. So I would like to look at changing that one out for you to something that's doing a little bit better. But I'll go and do do that research for you and see what's going to be the best for you. Still keeping you in a high growth. No. That's okay. Now the last one, is that your Vanguard index chart there? Yep. You would have seen this one before. It's just bit of an updated version. Again, just to give you a good kind of visual representation of what we are talking about when we are talking about the market. But you can kind of see here that, you know, over the long term, the market always goes up. Short term, there are some ups and downs and market fluctuation. Yep. Do you have any questions so far? That kind of all makes sense. No. Perfect. Now if you then wanna click on the signature link now for me, and I will just kind of show you the documents that it will just ask you to sign if you're happy to do so. So you will see one that is an ongoing service agreement. That's just to say that you are happy to, you know, remain as a client and stay on board for the next twelve months. But like usual, you know, there is no lock in contract at all. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, this one here just gets us remaining servicing on your account and help service you. And yeah. Perfect. You also have kind of a compliance document. It's just a tax file number form just to say we are keeping your tax file secure on the file. And the last one is that TPI I mentioned earlier just so we can get some updated research done on that CBass account for you. Yeah. Perfect. So if you are happy to do so, if you can then press sign, I believe it is, and it might just ask you to draw a signature. A little bit different to what it oh, great. Perfect. Thank you so much. So like I said, Tim, I will go and do the research for you on your investment, also see, you know, if we wanna change your contributions and stuff like that. But before I let you go, otherwise, do you have any other questions or need anything else from us? Yeah. Perfect. Great. Perfect. I will also get the team to email you those beneficiary forms so we can get that changed to Kylie as well. Perfect. Now it might take me a couple of weeks to get this research sorted. But as soon as I do, I will give you a call and run through the changes, and then you can let me know what you would like to do. Perfect. Well, thank you so much for your time today, team, and I hope you have a lovely rest of your day. Thanks. 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morning. Is this Timothy? This is Veronica from IT Financial. How are you this morning? That's great.\n\nI had you booked in to complete your annual review. Is now still a good time for you? Yep. Yeah. Okay.\n\nPerfect. 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. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nYep. Great. Have yep. Perfect. That's exactly what I have here.\n\nAnd how's your morning been so far? Been busy or just kind of getting started? Yeah. Perfect. Now just before I do jump into the annual review there with you, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on, or it's just a bit of an the usual update?\n\nYep. Perfect. Now, Timothy, I have just sent you an email with some documents to run through with you. Do you have access to emails at the moment or not really right now? Yep.\n\nOkay. Perfect. So I'll get you to access access those shortly and run through a couple of those documents. But before I do, I'll just like to run through a bit of an updated fact find to see if there's anything that's changed in your life that requires us to make any changes to your advice at all. Sorry.\n\nYeah. Pretty. Yeah. Great. Perfect.\n\nSo, obviously, no changes in your marital status or no financial dependence or anything like that? Nope. No. Now it doesn't look like I have a next up team on file for you. Who would you like to nominate, and it can be anybody?\n\nYep. Perfect. And just their name, please. Kylie. And how would you spell that?\n\nPerfect. Same last name as you? Yes. Perfect. And best contact number, please.\n\n4022. Great. Perfect. Thank you so much for that. Occupation wise, no changes, all the same as well?\n\nYes. Perfect. I do have here about a 130,000 income from the truck driving. Okay. Let me update that.\n\nSo are you still doing truck driving, but are there are there mines? No. And what do you do at their mine site now? Yeah. Okay.\n\nOperator. And do you do, like, a different rotation for it? Oh, that's pretty good. And how long have you been doing that for? Oh, yeah.\n\nOkay. Perfect. And who's your employer? McCarthy. Perfect.\n\nDrilling and pumping. And working full time? Yeah. Great. Perfect.\n\nIncome, did that change a little bit as well then? Yeah. Oh, yep. Perfect. A little bit more.\n\nAnd do you get any, like, bonuses or overtime or stuff like that or just kind of, like, the the yep. And is that on top of the $1.40? Included. Okay. Okay.\n\nPerfect. And your employer, they just pay that standard 12% contribution into super, do they? Like, you don't have a special Yeah. Perfect. That's great.\n\nAnd you don't make any additional contributions just out of your employer? Yep. Perfect. No. That's all good.\n\nI do have here as well expenses and saving expenses about $1,000 a week and saves roughly 500 a week. Yep. Perfect. Now any changes to your assets, I have five cars combined value at about fifth 80,000. Yeah.\n\nAbout 30,000 owing. Oh, has that changed? But same. Perfect. Also, caravan worth about 50,000.\n\nYep. Savings, I have here about 10,000. No worries. And do you have a property as well? No.\n\nPerfect. Just renting at the moment? Yeah. Perfect. Any other assets we haven't gone over?\n\nNo. Perfect. And any other liabilities, like personal loans or credit card or SIP pay? Not quite perfect. And a little bit about health and lifestyle.\n\nHas anything changed? Are you still a nonsmoker? Perfect. Not great. And estate planning wise, I have here that for your beneficiaries, we have 75% for Kylie and 25 for Sarah.\n\nYep. Perfect. And, Kylie, obviously, your wife and Sarah. Who who is she? What's the relationship there?\n\nOkay. Perfect. And how old is she? Perfect. Now I do wanna let you know as well with beneficiaries when it comes to obviously kids over 18, they are still a valid nomination very much so.\n\nBut if they are over 18, there are some special rules if they are, you know, at university or studying or, if there are, like, disabilities and stuff like that. But, otherwise, typically, children over 18 can be taxed up to 302% medical levy for any benefits they receive if something were to happen to you. Yeah. And it is tax free to her. And that's why I do wanna mention it because sometimes people don't know and they they just allocate it that way.\n\nBut then when they do find out their tax consequences, sometimes they do change it to the partner, and then, obviously, your your wife would support your daughter as well if something were to happen. Yeah. Alright. I will get those resent through you. Because it is making a legal nomination, I will just need you to complete the forms again.\n\nDo you have access to a printer at all, or do you prefer post? Post. Okay. Perfect. So what I'll do is I'll get the team to email that to you to make it a bit quicker, especially with post to w a might take a little while.\n\nSo I'll get them to email that to you. If you can just complete that when you have a moment, return it to us, and then we'll get that updated, for a 100% to your wife. And I can get it prefilled if you would like as well to make it easier. Yep. Perfect.\n\nAnd you're still happy with the binding, non lapsing nominations, obviously, making sure that the trustee are bound to follow your wishes and that it stays in place until you decide to change it. Yep. Great. Perfect. Otherwise, do you guys have a will in place or a power of attorney or anything like that?\n\nNope. That's okay. You don't have anyone who makes any financial decisions on your behalf otherwise? No. Perfect.\n\nAnd you don't earn any income overseas or are politically exposed at all? No. Great. Perfect. Any changes otherwise to your goals and what you are working on?\n\nI think the last time we spoke to you, you were kind of focusing on being debt free, continue to enjoy life, maybe take out the caravan for a couple of trips. Still the same. Okay. Perfect. Now next is just to run through another updated risk profile questionnaire with you there, Tim, just to see if anything has changed and if we need to make any changes to your risk profile.\n\nSo it's all just multiple choice to make it nice and easy. There's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Now have you ever bought direct shares yourself? No.\n\nPerfect. And at the moment, when do you think you would like to start accessing your super or retiring? Do you have any idea? No. Do you think, like, '60, '65, '67?\n\nYeah. Okay. Perfect. So more than ten years. Anyway yeah.\n\nYeah. Perfect. Now next is in regards to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to keep up with the rising prices?\n\nWould you say that you are willing to accept very high risk, high moderate, or a small amount of risk when it comes to your superannuation? High moderate. Okay. Perfect. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.\n\nWould you say that you would, think that now is potentially a good time to invest a little bit more while the prices are down, would you say that you would probably hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped? Probably just hold. Yeah. Perfect. Now if you notice your superannuation fluctuate a little bit or any of your other assets, how did that make you feel?\n\nWould you think, you know, optimistic about potential future opportunities or a bit more cautious, not wanting to make further investments or concerned or highly anxious? Yep. Okay. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds?\n\nNo. Would you ever consider taking out a loan to buy an investment property? Maybe. Okay. Perfect.\n\nAnd now, Tim, that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all? Alright. So, essentially, they they are pretty similar in that you are still looking at getting as much growth as you possibly can out of your superannuation while you do have the time, and that you are prepared to experience, you know, some higher levels of fluctuation in order to achieve that.\n\nNow the difference between the two, is, mainly when it comes through a asset allocation point of view, so how your money is invested. And in a high growth portfolio, typically, we see 90% invested in what we would call your growth assets. Now these are things like Australian shares, international shares, as well as property and commodities, and that is what's going to maximize your returns in those long term. And then about 10% in more defensive assets like cash, gold, fixed interest, for example. The difference in a growth portfolio is about 10%.\n\nSo we then see about 80% in your growth, 20 in defensive. Now when we are also looking about a time frame, so making sure that you have enough time in the market for those fluctuations. In a high growth portfolio, we do wanna allow a minimum of eight years ideally until retirement, making sure you have enough time for those fluctuations to come back around. Or in a growth portfolio, we do see about six years or so. Does that make sense?\n\nYeah. Perfect. Now would you say that you are comfortable remaining in a high growth, or do you feel like you would like to look at reducing it down to a growth portfolio? Yep. Great.\n\nPerfect. We can definitely do that. Now if you have the option of accessing your emails now that for me, that would be great. Now we have just changed to any software, so it might look a little bit different to what it usually does. And to make it easy for you, if you can open your inbox, before clicking on the link, there will be some attachments attached.\n\nAnd if you can just let me know the first ones, and then we can go kinda with the order that you can see. Just before you click on that. So if you click on that link, it will take you to the documents that signing. But before you do it, you should be able to scroll down a little bit more before you click on the link, and there should be a couple of attachments. You should be able to see, like, a Vanguard index chart and a super insurance summary.\n\nYeah. Perfect. Which one is listed first for you? Yes. Yep.\n\nSo the services guided is an updated financial services guide. We've had a bit of changes in our marketing, which is great. So it's it's very similar to the old ones. Just basically everything that you know, it's important for you to know about us. So it's just a little bit of an updated version.\n\nSo the services guide is just a condensed version. It just breaks down the team, actually. So if you can open it, and then if you want to scroll down to page let me see. I think it's page 10. You should also see a photo of myself there, and sometimes it is nice to put a face to the voice.\n\nYeah. Perfect. So a little bit about us here for you so you can obviously have a bit of a read over that in your own time. Just a bit bit of an updated marketing material there for you. Now, Tim, what is the next attachment that you can see?\n\nYep. Perfect. I won't get you to click onto that one. It's very similar to the services guide. It is just a longer version.\n\nSo, again, I'll let you have a read over that in your own time. It's just just an updated one for you. And what is the next one? Yes. Perfect.\n\nIf you can open that one for me. Sorry. This one here shows us a bit of a breakdown of your current situation. Now I do wanna let you know as well that that TPA, so the third party authority that we have with, they have just expired. So I haven't been able to get updated figures there for you, but part of the signature attachment, there is an updated version.\n\nSo I will then send that off to Cbus, and we can do a bit of an updated research for you just to check the new the new balance, and just making sure that everything's all good for those insurances. But, otherwise, it is, you know, approximately about 12,000. Could be a little bit more, could be a little bit less, obviously, since we did the research there for you. And can I check with you as well that you have contributions going into Cbus, or have they been changed? Okay.\n\nYeah. Because I did see in Netwealth that I saw a contribution going in through Netwealth in January. And I do wanna just check that as well because, typically, when we are retaining a fund for the purpose of insurances, we do like to keep contributions going into that fund because if there hasn't been any contributions for sixteen months, they can cancel them, and we don't want that to happen. So we wanna make sure that the insurance stays in place. So I will go so before I ask you to change anything, I will go and just get that updated research for you.\n\nI will triple check the amount and everything like that, and and then I'll put together a new SOA, so a new strategy paper for you to see if we need to change and roll over some money. Because if there are a little bit more or less in C bus, if you haven't had contributions going, it's probably a good amount. But I do like to just check as well because we wanna obviously have the most amount of money in the fund that's going to give you the most return or the highest return. And and I'll just go and check. And then if sorry.\n\nI might suggest that we change your contributions back to C Bus and do regular rollovers, but I will put that all in the paper for you before I get you to change anything. Yeah. Does that make sense? Yeah. Great.\n\nPerfect. Otherwise, you have, obviously, net worth where majority of your super is, and you do have a bit of life and total permanent disability. Again, I will check the numbers. You can see roughly that last time what it was, and then, obviously, the premium that comes out of that as well. Now with your insurances as well, are you quite happy with those amounts?\n\nDo you feel like they are quite adequate to meet your needs, or what are your thoughts about yeah. Great. Perfect. Now what is the next attachment there otherwise for you? Yeah.\n\nPerfect. So if you can click on that one for me. Now this one sometimes does look a little bit messy, but it does show you a bit of a breakdown of your current portfolio at the moment in Netwealth. So it gives you all the different investments and how they've all performed and how it's all done. And I do want to, as well, if you're happy for me to do so, do a bit of a review of your investment because things are always, you know, continuously changing, and it is important to review them, especially with everything going on in the market at the moment, making sure that we have the best options.\n\nAnd overall, a lot of the investments have done pretty okay, but there is one investment that has kind of underperformed a little bit. So I would like to look at changing that one. I'll do the research for you, but that is your Benelung Australian equity. Now that one was added through your portfolio at that time. It is your your active investments that was doing really, really well.\n\nBut recently, they've kind of underperformed a little bit, and the biggest reason is that one of their investments so not Benelung itself, but one of the investments that they had in that portfolio, the corporate travel group, was suspended for trading. Some of that reporting didn't really add up, so it was suspended for trading, which meant that their share price and everything dropped. So that's kind of caused a bit of fluctuation in that, and it's have underperformed lately. So I would like to look at changing that one out for you to something that's doing a little bit better. But I'll go and do do that research for you and see what's going to be the best for you.\n\nStill keeping you in a high growth. No. That's okay. Now the last one, is that your Vanguard index chart there? Yep.\n\nYou would have seen this one before. It's just bit of an updated version. Again, just to give you a good kind of visual representation of what we are talking about when we are talking about the market. But you can kind of see here that, you know, over the long term, the market always goes up. Short term, there are some ups and downs and market fluctuation.\n\nYep. Do you have any questions so far? That kind of all makes sense. No. Perfect.\n\nNow if you then wanna click on the signature link now for me, and I will just kind of show you the documents that it will just ask you to sign if you're happy to do so. So you will see one that is an ongoing service agreement. That's just to say that you are happy to, you know, remain as a client and stay on board for the next twelve months. But like usual, you know, there is no lock in contract at all. So if at any point in time you are not happy, there is no lock in contract.\n\nBut, otherwise, this one here just gets us remaining servicing on your account and help service you. And yeah. Perfect. You also have kind of a compliance document. It's just a tax file number form just to say we are keeping your tax file secure on the file.\n\nAnd the last one is that TPI I mentioned earlier just so we can get some updated research done on that CBass account for you. Yeah. Perfect. So if you are happy to do so, if you can then press sign, I believe it is, and it might just ask you to draw a signature. A little bit different to what it oh, great.\n\nPerfect. Thank you so much. So like I said, Tim, I will go and do the research for you on your investment, also see, you know, if we wanna change your contributions and stuff like that. But before I let you go, otherwise, do you have any other questions or need anything else from us? Yeah.\n\nPerfect. Great. Perfect. I will also get the team to email you those beneficiary forms so we can get that changed to Kylie as well. Perfect.\n\nNow it might take me a couple of weeks to get this research sorted. But as soon as I do, I will give you a call and run through the changes, and then you can let me know what you would like to do. Perfect. Well, thank you so much for your time today, team, and I hope you have a lovely rest of your day. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":2.24,"end":2.72,"sentiment":"neutral","sentiment_score":0.27656472474336624},{"text":"Is this Timothy?","start":2.72,"end":3.62,"sentiment":"neutral","sentiment_score":0.17009940246740976},{"text":"This is Veronica from IT Financial.","start":5.12,"end":6.98,"sentiment":"neutral","sentiment_score":0.11618441715836525},{"text":"How are you this morning?","start":7.2,"end":8.26,"sentiment":"neutral","sentiment_score":0.13626719415187835},{"text":"That's great.","start":9.92,"end":10.82,"sentiment":"positive","sentiment_score":0.7554781436920166}],"sentiment":"neutral","sentiment_score":0.2196014676656988,"num_words":18,"start":2.24,"end":10.82},{"sentences":[{"text":"I had you booked in to complete your annual review.","start":11.5199995,"end":14.32,"sentiment":"positive","sentiment_score":0.427439084649086},{"text":"Is now still a good time for you?","start":14.32,"end":15.885,"sentiment":"neutral","sentiment_score":0.2938811834901571},{"text":"Yep.","start":18.925,"end":19.245,"sentiment":"neutral","sentiment_score":0.10226672887802124},{"text":"Yeah.","start":19.245,"end":19.565,"sentiment":"neutral","sentiment_score":0.13064050674438477},{"text":"Okay.","start":19.565,"end":20.065,"sentiment":"neutral","sentiment_score":0.1895868480205536}],"sentiment":"positive","sentiment_score":0.3356159237169084,"num_words":21,"start":11.5199995,"end":20.065},{"sentences":[{"text":"Perfect.","start":20.125,"end":20.625,"sentiment":"positive","sentiment_score":0.34463778138160706},{"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":21.005001,"end":28.305,"sentiment":"neutral","sentiment_score":0.047079772014042426},{"text":"Yep.","start":29.9,"end":30.22,"sentiment":"neutral","sentiment_score":0.07899316400289536},{"text":"Perfect.","start":30.22,"end":30.72,"sentiment":"neutral","sentiment_score":0.16164135932922363},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":30.779999,"end":37.76,"sentiment":"neutral","sentiment_score":0.05266621973938667}],"sentiment":"neutral","sentiment_score":0.05723978286801741,"num_words":58,"start":20.125,"end":37.76},{"sentences":[{"text":"Yep.","start":46.235,"end":46.475,"sentiment":"neutral","sentiment_score":0.024807214736938477},{"text":"Great.","start":46.475,"end":46.875,"sentiment":"positive","sentiment_score":0.4206417798995972},{"text":"Have yep.","start":46.875,"end":47.995,"sentiment":"neutral","sentiment_score":0.30079276859760284},{"text":"Perfect.","start":47.995,"end":48.395,"sentiment":"positive","sentiment_score":0.5295857191085815},{"text":"That's exactly what I have here.","start":48.395,"end":49.835,"sentiment":"positive","sentiment_score":0.5303786893685659}],"sentiment":"positive","sentiment_score":0.4326265806501562,"num_words":11,"start":46.235,"end":49.835},{"sentences":[{"text":"And how's your morning been so far?","start":49.835,"end":51.595,"sentiment":"neutral","sentiment_score":0.1457098967262677},{"text":"Been busy or just kind of getting started?","start":51.595,"end":53.614998,"sentiment":"neutral","sentiment_score":0.07881758187431842},{"text":"Yeah.","start":55.9,"end":56.38,"sentiment":"neutral","sentiment_score":0.21885904669761655},{"text":"Perfect.","start":56.38,"end":56.88,"sentiment":"neutral","sentiment_score":0.331511914730072},{"text":"Now just before I do jump into the annual review there with you, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on, or it's just a bit of an the usual update?","start":57.98,"end":73.665,"sentiment":"neutral","sentiment_score":0.04693818554681327}],"sentiment":"neutral","sentiment_score":0.06615642854969388,"num_words":73,"start":49.835,"end":73.665},{"sentences":[{"text":"Yep.","start":76.284996,"end":76.765,"sentiment":"neutral","sentiment_score":0.03390439599752426},{"text":"Perfect.","start":76.765,"end":77.265,"sentiment":"neutral","sentiment_score":0.10495575517416},{"text":"Now, Timothy, I have just sent you an email with some documents to run through with you.","start":77.885,"end":82.945,"sentiment":"neutral","sentiment_score":0.040488306761664504},{"text":"Do you have access to emails at the moment or not really right now?","start":83.32001,"end":88.22,"sentiment":"neutral","sentiment_score":-0.006813183160764831},{"text":"Yep.","start":88.600006,"end":88.920006,"sentiment":"neutral","sentiment_score":0.02680053934454918}],"sentiment":"neutral","sentiment_score":0.022311098270994777,"num_words":34,"start":76.284996,"end":88.920006},{"sentences":[{"text":"Okay.","start":88.920006,"end":89.420006,"sentiment":"neutral","sentiment_score":0.07346256822347641},{"text":"Perfect.","start":89.8,"end":90.3,"sentiment":"neutral","sentiment_score":0.13869620859622955},{"text":"So I'll get you to access access those shortly and run through a couple of those documents.","start":90.600006,"end":95.96001,"sentiment":"neutral","sentiment_score":0.08512740187785205},{"text":"But before I do, I'll just like to run through a bit of an updated fact find to see if there's anything that's changed in your life that requires us to make any changes to your advice at all.","start":95.96001,"end":106.645004,"sentiment":"neutral","sentiment_score":0.031184251551540233},{"text":"Sorry.","start":108.225006,"end":108.725006,"sentiment":"neutral","sentiment_score":-0.05933057516813278}],"sentiment":"neutral","sentiment_score":0.0477318617641547,"num_words":59,"start":88.920006,"end":108.725006},{"sentences":[{"text":"Yeah.","start":109.600006,"end":110.100006,"sentiment":"neutral","sentiment_score":-0.06536946445703506},{"text":"Pretty.","start":111.36,"end":111.86,"sentiment":"neutral","sentiment_score":-0.04007892310619354},{"text":"Yeah.","start":112.560005,"end":112.880005,"sentiment":"neutral","sentiment_score":0.0818251520395279},{"text":"Great.","start":112.880005,"end":113.28,"sentiment":"neutral","sentiment_score":0.2992230951786041},{"text":"Perfect.","start":113.28,"end":113.78,"sentiment":"neutral","sentiment_score":0.06658906489610672}],"sentiment":"neutral","sentiment_score":0.06843778491020203,"num_words":5,"start":109.600006,"end":113.78},{"sentences":[{"text":"So, obviously, no changes in your marital status or no financial dependence or anything like that?","start":114.0,"end":120.740005,"sentiment":"neutral","sentiment_score":-0.04590414930135012},{"text":"Nope.","start":121.455,"end":121.955,"sentiment":"neutral","sentiment_score":-0.12144723534584044},{"text":"No.","start":124.415,"end":124.915,"sentiment":"neutral","sentiment_score":-0.17015373706817627},{"text":"Now it doesn't look like I have a next up team on file for you.","start":127.135,"end":130.755,"sentiment":"neutral","sentiment_score":-0.07352971881628037},{"text":"Who would you like to nominate, and it can be anybody?","start":132.255,"end":134.835,"sentiment":"neutral","sentiment_score":0.03786665319719098}],"sentiment":"neutral","sentiment_score":-0.03891999905251644,"num_words":44,"start":114.0,"end":134.835},{"sentences":[{"text":"Yep.","start":137.09999,"end":137.57999,"sentiment":"neutral","sentiment_score":0.08856656402349472},{"text":"Perfect.","start":137.57999,"end":138.07999,"sentiment":"neutral","sentiment_score":0.23226043581962583},{"text":"And just their name, please.","start":138.45999,"end":139.92,"sentiment":"neutral","sentiment_score":0.08068099617958069},{"text":"Kylie.","start":141.57999,"end":142.06,"sentiment":"neutral","sentiment_score":0.02018123678863049},{"text":"And how would you spell that?","start":142.06,"end":143.51999,"sentiment":"neutral","sentiment_score":0.019911093016465504}],"sentiment":"neutral","sentiment_score":0.061705698259174824,"num_words":14,"start":137.09999,"end":143.51999},{"sentences":[{"text":"Perfect.","start":147.26,"end":147.65999,"sentiment":"neutral","sentiment_score":0.08859200775623322},{"text":"Same last name as you?","start":147.65999,"end":149.055,"sentiment":"neutral","sentiment_score":0.0544831395149231},{"text":"Yes.","start":150.17499,"end":150.67499,"sentiment":"neutral","sentiment_score":0.04866716265678406},{"text":"Perfect.","start":150.73499,"end":151.23499,"sentiment":"neutral","sentiment_score":0.08666711300611496},{"text":"And best contact number, please.","start":151.295,"end":153.23499,"sentiment":"neutral","sentiment_score":0.06143865287303925}],"sentiment":"neutral","sentiment_score":0.06181040348914953,"num_words":13,"start":147.26,"end":153.23499},{"sentences":[{"text":"4022.","start":158.81499,"end":160.73499,"sentiment":"neutral","sentiment_score":0.03155142813920975},{"text":"Great.","start":160.73499,"end":161.055,"sentiment":"positive","sentiment_score":0.4669165015220642},{"text":"Perfect.","start":161.055,"end":161.45499,"sentiment":"positive","sentiment_score":0.5028602480888367},{"text":"Thank you so much for that.","start":161.45499,"end":162.995,"sentiment":"positive","sentiment_score":0.6427518626054128},{"text":"Occupation wise, no changes, all the same as well?","start":164.14,"end":167.52,"sentiment":"neutral","sentiment_score":0.2064243091477288}],"sentiment":"positive","sentiment_score":0.3730921186506748,"num_words":18,"start":158.81499,"end":167.52},{"sentences":[{"text":"Yes.","start":168.7,"end":169.18001,"sentiment":"neutral","sentiment_score":0.1311478316783905},{"text":"Perfect.","start":169.18001,"end":169.68001,"sentiment":"neutral","sentiment_score":0.2258913218975067},{"text":"I do have here about a 130,000 income from the truck driving.","start":170.38,"end":175.84,"sentiment":"neutral","sentiment_score":0.13153590758641562},{"text":"Okay.","start":185.275,"end":185.675,"sentiment":"neutral","sentiment_score":0.010827897116541862},{"text":"Let me update that.","start":185.675,"end":186.635,"sentiment":"neutral","sentiment_score":0.010832901112735271}],"sentiment":"neutral","sentiment_score":0.10471734453580882,"num_words":19,"start":168.7,"end":186.635},{"sentences":[{"text":"So are you still doing truck driving, but are there are there mines?","start":186.635,"end":190.335,"sentiment":"neutral","sentiment_score":-0.0016579683511876143},{"text":"No.","start":191.98,"end":192.48,"sentiment":"neutral","sentiment_score":-0.04691160470247269},{"text":"And what do you do at their mine site now?","start":192.62,"end":194.72,"sentiment":"neutral","sentiment_score":-0.018796879425644876},{"text":"Yeah.","start":200.14,"end":200.37999,"sentiment":"neutral","sentiment_score":0.007762297987937927},{"text":"Okay.","start":200.37999,"end":200.87999,"sentiment":"neutral","sentiment_score":0.008903684094548225}],"sentiment":"neutral","sentiment_score":-0.00922184636314901,"num_words":26,"start":186.635,"end":200.87999},{"sentences":[{"text":"Operator.","start":202.54,"end":203.04,"sentiment":"neutral","sentiment_score":0.0028139776550233364},{"text":"And do you do, like, a different rotation for it?","start":204.69499,"end":207.75499,"sentiment":"neutral","sentiment_score":0.002525781933218241},{"text":"Oh, that's pretty good.","start":211.095,"end":212.235,"sentiment":"neutral","sentiment_score":0.2795743867754936},{"text":"And how long have you been doing that for?","start":214.055,"end":216.075,"sentiment":"neutral","sentiment_score":0.024320731146468058},{"text":"Oh, yeah.","start":219.34999,"end":219.90999,"sentiment":"neutral","sentiment_score":0.024144375696778297}],"sentiment":"neutral","sentiment_score":0.05436710291542113,"num_words":26,"start":202.54,"end":219.90999},{"sentences":[{"text":"Okay.","start":219.90999,"end":220.39,"sentiment":"neutral","sentiment_score":0.04783995449542999},{"text":"Perfect.","start":220.39,"end":220.89,"sentiment":"neutral","sentiment_score":0.07569300383329391},{"text":"And who's your employer?","start":223.11,"end":224.32999,"sentiment":"neutral","sentiment_score":0.03352727834135294},{"text":"McCarthy.","start":227.26999,"end":227.76999,"sentiment":"neutral","sentiment_score":0.03656676411628723},{"text":"Perfect.","start":228.31,"end":228.81,"sentiment":"neutral","sentiment_score":0.0960334986448288}],"sentiment":"neutral","sentiment_score":0.04878029180690646,"num_words":8,"start":219.90999,"end":228.81},{"sentences":[{"text":"Drilling and pumping.","start":230.94499,"end":233.605,"sentiment":"neutral","sentiment_score":0.037217648699879646},{"text":"And working full time?","start":236.06499,"end":237.44499,"sentiment":"neutral","sentiment_score":0.032385455910116434},{"text":"Yeah.","start":238.625,"end":239.025,"sentiment":"neutral","sentiment_score":0.08970364183187485},{"text":"Great.","start":239.025,"end":239.42499,"sentiment":"neutral","sentiment_score":0.26441851258277893},{"text":"Perfect.","start":239.42499,"end":239.92499,"sentiment":"neutral","sentiment_score":0.18985596299171448}],"sentiment":"neutral","sentiment_score":0.07851728871464729,"num_words":10,"start":230.94499,"end":239.92499},{"sentences":[{"text":"Income, did that change a little bit as well then?","start":241.98499,"end":244.64499,"sentiment":"neutral","sentiment_score":0.051669931039214134},{"text":"Yeah.","start":246.28,"end":246.78,"sentiment":"neutral","sentiment_score":0.008967515081167221},{"text":"Oh, yep.","start":249.23999,"end":249.8,"sentiment":"neutral","sentiment_score":0.04174104519188404},{"text":"Perfect.","start":249.8,"end":250.3,"sentiment":"neutral","sentiment_score":0.16477146744728088},{"text":"A little bit more.","start":252.68,"end":253.64,"sentiment":"neutral","sentiment_score":0.045430478639900684}],"sentiment":"neutral","sentiment_score":0.05309123877022001,"num_words":18,"start":241.98499,"end":253.64},{"sentences":[{"text":"And do you get any, like, bonuses or overtime or stuff like that or just kind of, like, the the yep.","start":253.64,"end":259.98,"sentiment":"neutral","sentiment_score":0.04737134384257453},{"text":"And is that on top of the $1.40?","start":260.315,"end":262.57498,"sentiment":"neutral","sentiment_score":0.03050894383341074},{"text":"Included.","start":265.275,"end":265.775,"sentiment":"neutral","sentiment_score":0.028227247297763824},{"text":"Okay.","start":265.835,"end":266.335,"sentiment":"neutral","sentiment_score":0.0928264930844307},{"text":"Okay.","start":266.555,"end":267.035,"sentiment":"neutral","sentiment_score":0.16866938769817352}],"sentiment":"neutral","sentiment_score":0.04776852810755372,"num_words":32,"start":253.64,"end":267.035},{"sentences":[{"text":"Perfect.","start":267.035,"end":267.535,"sentiment":"positive","sentiment_score":0.4512120485305786},{"text":"And your employer, they just pay that standard 12% contribution into super, do they?","start":269.995,"end":276.26,"sentiment":"neutral","sentiment_score":0.073001215500491},{"text":"Like, you don't have a special Yeah.","start":276.26,"end":278.1,"sentiment":"neutral","sentiment_score":0.04217093704002244},{"text":"Perfect.","start":278.1,"end":278.6,"sentiment":"positive","sentiment_score":0.6062989234924316},{"text":"That's great.","start":279.46002,"end":280.52002,"sentiment":"positive","sentiment_score":0.6684716939926147}],"sentiment":"neutral","sentiment_score":0.14846671745181084,"num_words":25,"start":267.035,"end":280.52002},{"sentences":[{"text":"And you don't make any additional contributions just out of your employer?","start":280.58002,"end":284.6,"sentiment":"neutral","sentiment_score":0.04986954387277365},{"text":"Yep.","start":284.82,"end":285.32,"sentiment":"neutral","sentiment_score":0.03997652605175972},{"text":"Perfect.","start":285.38,"end":285.88,"sentiment":"neutral","sentiment_score":0.1200021281838417},{"text":"No.","start":287.42502,"end":287.74503,"sentiment":"neutral","sentiment_score":-0.028832267969846725},{"text":"That's all good.","start":287.74503,"end":288.725,"sentiment":"neutral","sentiment_score":0.27292467157046}],"sentiment":"neutral","sentiment_score":0.08601971819168991,"num_words":18,"start":280.58002,"end":288.725},{"sentences":[{"text":"I do have here as well expenses and saving expenses about $1,000 a week and saves roughly 500 a week.","start":288.86502,"end":296.405,"sentiment":"neutral","sentiment_score":0.1751628190279007},{"text":"Yep.","start":297.42502,"end":297.92502,"sentiment":"neutral","sentiment_score":0.1050598919391632},{"text":"Perfect.","start":297.98502,"end":298.48502,"sentiment":"neutral","sentiment_score":0.2561342716217041},{"text":"Now any changes to your assets, I have five cars combined value at about fifth 80,000.","start":299.04,"end":306.9,"sentiment":"neutral","sentiment_score":0.06787633593194187},{"text":"Yeah.","start":310.16,"end":310.56,"sentiment":"neutral","sentiment_score":0.012148449197411535}],"sentiment":"neutral","sentiment_score":0.1272466761083939,"num_words":39,"start":288.86502,"end":310.56},{"sentences":[{"text":"About 30,000 owing.","start":310.56,"end":312.18,"sentiment":"neutral","sentiment_score":0.007388800537834565},{"text":"Oh, has that changed?","start":312.24,"end":313.3,"sentiment":"neutral","sentiment_score":-0.0038481935625895858},{"text":"But same.","start":316.17502,"end":316.575,"sentiment":"neutral","sentiment_score":0.024881619028747082},{"text":"Perfect.","start":316.575,"end":316.89502,"sentiment":"neutral","sentiment_score":0.13731427490711212},{"text":"Also, caravan worth about 50,000.","start":316.89502,"end":319.23502,"sentiment":"neutral","sentiment_score":0.07144623026251792}],"sentiment":"neutral","sentiment_score":0.03673881944268942,"num_words":15,"start":310.56,"end":319.23502},{"sentences":[{"text":"Yep.","start":320.655,"end":321.155,"sentiment":"neutral","sentiment_score":0.0639115422964096},{"text":"Savings, I have here about 10,000.","start":321.61502,"end":323.715,"sentiment":"neutral","sentiment_score":0.08116532117128372},{"text":"No worries.","start":327.87,"end":328.85,"sentiment":"neutral","sentiment_score":0.04610775224864483},{"text":"And do you have a property as well?","start":330.11,"end":332.05,"sentiment":"neutral","sentiment_score":0.02184097934514284},{"text":"No.","start":334.83,"end":335.33,"sentiment":"neutral","sentiment_score":-0.015887167304754257}],"sentiment":"neutral","sentiment_score":0.04455331340432167,"num_words":18,"start":320.655,"end":335.33},{"sentences":[{"text":"Perfect.","start":335.47,"end":335.87,"sentiment":"neutral","sentiment_score":0.027552831918001175},{"text":"Just renting at the moment?","start":335.87,"end":337.33,"sentiment":"neutral","sentiment_score":0.015485537052154542},{"text":"Yeah.","start":338.685,"end":339.005,"sentiment":"neutral","sentiment_score":0.03591184318065643},{"text":"Perfect.","start":339.005,"end":339.48502,"sentiment":"neutral","sentiment_score":0.07109339535236359},{"text":"Any other assets we haven't gone over?","start":339.48502,"end":342.785,"sentiment":"neutral","sentiment_score":0.0105369629870568}],"sentiment":"neutral","sentiment_score":0.019049633108079434,"num_words":15,"start":335.47,"end":342.785},{"sentences":[{"text":"No.","start":344.36502,"end":344.685,"sentiment":"neutral","sentiment_score":-0.02266683243215084},{"text":"Perfect.","start":344.685,"end":345.085,"sentiment":"neutral","sentiment_score":0.01916295289993286},{"text":"And any other liabilities, like personal loans or credit card or SIP pay?","start":345.085,"end":349.345,"sentiment":"neutral","sentiment_score":-0.007375564641104295},{"text":"Not quite perfect.","start":350.69998,"end":351.84,"sentiment":"neutral","sentiment_score":-0.14808768779039383},{"text":"And a little bit about health and lifestyle.","start":353.09998,"end":355.28,"sentiment":"neutral","sentiment_score":-0.036430410807952285}],"sentiment":"neutral","sentiment_score":-0.03211894498851437,"num_words":26,"start":344.36502,"end":355.28},{"sentences":[{"text":"Has anything changed?","start":355.81998,"end":357.02,"sentiment":"neutral","sentiment_score":-0.0369770967712005},{"text":"Are you still a nonsmoker?","start":357.02,"end":358.24,"sentiment":"neutral","sentiment_score":-0.05937576740980148},{"text":"Perfect.","start":361.34,"end":361.84,"sentiment":"neutral","sentiment_score":-0.03204832226037979},{"text":"Not great.","start":362.565,"end":363.30502,"sentiment":"neutral","sentiment_score":-0.12415782734751701},{"text":"And estate planning wise, I have here that for your beneficiaries, we have 75% for Kylie and 25 for Sarah.","start":364.725,"end":374.825,"sentiment":"neutral","sentiment_score":0.024200217425823213}],"sentiment":"neutral","sentiment_score":-0.006586121154888984,"num_words":31,"start":355.81998,"end":374.825},{"sentences":[{"text":"Yep.","start":376.17,"end":376.57,"sentiment":"neutral","sentiment_score":0.05037005990743637},{"text":"Perfect.","start":376.57,"end":377.07,"sentiment":"neutral","sentiment_score":0.13640210032463074},{"text":"And, Kylie, obviously, your wife and Sarah.","start":377.13,"end":380.43,"sentiment":"neutral","sentiment_score":0.03841926530003548},{"text":"Who who is she?","start":380.49,"end":381.45,"sentiment":"neutral","sentiment_score":0.005854466464370489},{"text":"What's the relationship there?","start":381.45,"end":382.91,"sentiment":"neutral","sentiment_score":-0.002201093244366348}],"sentiment":"neutral","sentiment_score":0.027665912365431294,"num_words":17,"start":376.17,"end":382.91},{"sentences":[{"text":"Okay.","start":383.69,"end":384.19,"sentiment":"neutral","sentiment_score":0.05271415412425995},{"text":"Perfect.","start":384.25,"end":384.75,"sentiment":"neutral","sentiment_score":0.08409452438354492},{"text":"And how old is she?","start":385.29,"end":386.75,"sentiment":"neutral","sentiment_score":0.024524547904729844},{"text":"Perfect.","start":389.54498,"end":390.04498,"sentiment":"neutral","sentiment_score":0.16753904521465302},{"text":"Now I do wanna let you know as well with beneficiaries when it comes to obviously kids over 18, they are still a valid nomination very much so.","start":391.94498,"end":401.13,"sentiment":"neutral","sentiment_score":0.05932018520044429}],"sentiment":"neutral","sentiment_score":0.05799821246829298,"num_words":36,"start":383.69,"end":401.13},{"sentences":[{"text":"But if they are over 18, there are some special rules if they are, you know, at university or studying or, if there are, like, disabilities and stuff like that.","start":401.13,"end":410.09,"sentiment":"neutral","sentiment_score":-0.02927062939852476},{"text":"But, otherwise, typically, children over 18 can be taxed up to 302% medical levy for any benefits they receive if something were to happen to you.","start":410.09,"end":422.875,"sentiment":"neutral","sentiment_score":-0.07998863020195411},{"text":"Yeah.","start":426.31,"end":426.63,"sentiment":"neutral","sentiment_score":0.25507837533950806},{"text":"And it is tax free to her.","start":426.63,"end":428.15,"sentiment":"neutral","sentiment_score":0.3111843637057713},{"text":"And that's why I do wanna mention it because sometimes people don't know and they they just allocate it that way.","start":428.15,"end":433.61002,"sentiment":"neutral","sentiment_score":0.11068870623906453}],"sentiment":"neutral","sentiment_score":0.021176570412867208,"num_words":85,"start":401.13,"end":433.61002},{"sentences":[{"text":"But then when they do find out their tax consequences, sometimes they do change it to the partner, and then, obviously, your your wife would support your daughter as well if something were to happen.","start":434.07,"end":443.42502,"sentiment":"neutral","sentiment_score":0.10977298212902886},{"text":"Yeah.","start":444.125,"end":444.445,"sentiment":"neutral","sentiment_score":0.10429345816373824},{"text":"Alright.","start":444.445,"end":444.685,"sentiment":"neutral","sentiment_score":0.18877550959587097},{"text":"I will get those resent through you.","start":444.685,"end":446.785,"sentiment":"neutral","sentiment_score":0.20048135093280248},{"text":"Because it is making a legal nomination, I will just need you to complete the forms again.","start":447.08502,"end":452.225,"sentiment":"neutral","sentiment_score":0.12637712455847683}],"sentiment":"neutral","sentiment_score":0.12601481829998923,"num_words":61,"start":434.07,"end":452.225},{"sentences":[{"text":"Do you have access to a printer at all, or do you prefer post?","start":453.725,"end":457.14,"sentiment":"neutral","sentiment_score":0.037355913248445304},{"text":"Post.","start":458.02002,"end":458.18002,"sentiment":"neutral","sentiment_score":0.060517966747283936},{"text":"Okay.","start":458.18002,"end":458.58002,"sentiment":"neutral","sentiment_score":0.13116031885147095},{"text":"Perfect.","start":458.58002,"end":459.08002,"sentiment":"positive","sentiment_score":0.45619136095047},{"text":"So what I'll do is I'll get the team to email that to you to make it a bit quicker, especially with post to w a might take a little while.","start":459.62003,"end":467.0,"sentiment":"neutral","sentiment_score":0.2615332656329678}],"sentiment":"neutral","sentiment_score":0.19329965972186378,"num_words":48,"start":453.725,"end":467.0},{"sentences":[{"text":"So I'll get them to email that to you.","start":467.30002,"end":469.54,"sentiment":"neutral","sentiment_score":0.25375446180502575},{"text":"If you can just complete that when you have a moment, return it to us, and then we'll get that updated, for a 100% to your wife.","start":469.54,"end":477.155,"sentiment":"neutral","sentiment_score":0.2903646854338823},{"text":"And I can get it prefilled if you would like as well to make it easier.","start":477.155,"end":480.375,"sentiment":"neutral","sentiment_score":0.28231844678521156},{"text":"Yep.","start":481.875,"end":482.27502,"sentiment":"neutral","sentiment_score":0.2631126046180725},{"text":"Perfect.","start":482.27502,"end":482.77502,"sentiment":"positive","sentiment_score":0.4781181812286377}],"sentiment":"neutral","sentiment_score":0.2848511592105583,"num_words":54,"start":467.30002,"end":482.77502},{"sentences":[{"text":"And you're still happy with the binding, non lapsing nominations, obviously, making sure that the trustee are bound to follow your wishes and that it stays in place until you decide to change it.","start":483.12,"end":493.54,"sentiment":"positive","sentiment_score":0.3923913284259684},{"text":"Yep.","start":494.56,"end":495.06,"sentiment":"neutral","sentiment_score":0.1471250057220459},{"text":"Great.","start":495.12,"end":495.62,"sentiment":"positive","sentiment_score":0.4082868993282318},{"text":"Perfect.","start":497.085,"end":497.585,"sentiment":"neutral","sentiment_score":0.32325804233551025},{"text":"Otherwise, do you guys have a will in place or a power of attorney or anything like that?","start":498.045,"end":502.785,"sentiment":"neutral","sentiment_score":0.05171057261112663}],"sentiment":"neutral","sentiment_score":0.27546846219761806,"num_words":55,"start":483.12,"end":502.785},{"sentences":[{"text":"Nope.","start":504.285,"end":504.685,"sentiment":"neutral","sentiment_score":-0.206365168094635},{"text":"That's okay.","start":504.685,"end":505.505,"sentiment":"neutral","sentiment_score":-0.13753411173820496},{"text":"You don't have anyone who makes any financial decisions on your behalf otherwise?","start":505.645,"end":509.425,"sentiment":"neutral","sentiment_score":-0.1660471363709523},{"text":"No.","start":509.97,"end":510.47,"sentiment":"neutral","sentiment_score":-0.1813565492630005},{"text":"Perfect.","start":511.41,"end":511.91,"sentiment":"neutral","sentiment_score":-0.08020740747451782}],"sentiment":"neutral","sentiment_score":-0.16120056228505242,"num_words":18,"start":504.285,"end":511.91},{"sentences":[{"text":"And you don't earn any income overseas or are politically exposed at all?","start":512.53,"end":517.11,"sentiment":"neutral","sentiment_score":-0.17307981390219468},{"text":"No.","start":518.45,"end":518.95,"sentiment":"neutral","sentiment_score":-0.1096312254667282},{"text":"Great.","start":519.01,"end":519.51,"sentiment":"neutral","sentiment_score":0.08421395719051361},{"text":"Perfect.","start":519.57,"end":520.07,"sentiment":"neutral","sentiment_score":0.09548939019441605},{"text":"Any changes otherwise to your goals and what you are working on?","start":522.225,"end":526.065,"sentiment":"neutral","sentiment_score":0.05535269264752666}],"sentiment":"neutral","sentiment_score":-0.054133326680000336,"num_words":28,"start":512.53,"end":526.065},{"sentences":[{"text":"I think the last time we spoke to you, you were kind of focusing on being debt free, continue to enjoy life, maybe take out the caravan for a couple of trips.","start":526.065,"end":534.40497,"sentiment":"neutral","sentiment_score":0.10361155832652003},{"text":"Still the same.","start":536.33,"end":536.97003,"sentiment":"neutral","sentiment_score":0.11119002103805542},{"text":"Okay.","start":536.97003,"end":537.47003,"sentiment":"positive","sentiment_score":0.33754152059555054},{"text":"Perfect.","start":537.61,"end":538.11,"sentiment":"positive","sentiment_score":0.6347591876983643},{"text":"Now next is just to run through another updated risk profile questionnaire with you there, Tim, just to see if anything has changed and if we need to make any changes to your risk profile.","start":539.37,"end":550.065,"sentiment":"neutral","sentiment_score":0.25068405398300714}],"sentiment":"neutral","sentiment_score":0.18604697954530516,"num_words":72,"start":526.065,"end":550.065},{"sentences":[{"text":"So it's all just multiple choice to make it nice and easy.","start":550.765,"end":554.30505,"sentiment":"positive","sentiment_score":0.47670531272888184},{"text":"There's no right or wrong answer.","start":554.36505,"end":556.04504,"sentiment":"neutral","sentiment_score":0.1260240642974774},{"text":"It's just whatever you feel is the most appropriate for you.","start":556.04504,"end":559.265,"sentiment":"neutral","sentiment_score":0.2175910161300139},{"text":"Now have you ever bought direct shares yourself?","start":561.565,"end":564.78503,"sentiment":"neutral","sentiment_score":0.03742518415674567},{"text":"No.","start":568.34,"end":568.84,"sentiment":"neutral","sentiment_score":0.013566862791776655}],"sentiment":"neutral","sentiment_score":0.24165993821071952,"num_words":38,"start":550.765,"end":568.84},{"sentences":[{"text":"Perfect.","start":569.06,"end":569.56,"sentiment":"neutral","sentiment_score":0.2157216519117355},{"text":"And at the moment, when do you think you would like to start accessing your super or retiring?","start":570.82,"end":576.84,"sentiment":"neutral","sentiment_score":0.051595204406314425},{"text":"Do you have any idea?","start":576.98,"end":578.2,"sentiment":"neutral","sentiment_score":0.01528660710901022},{"text":"No.","start":580.675,"end":581.175,"sentiment":"neutral","sentiment_score":-0.15107199549674988},{"text":"Do you think, like, '60, '65, '67?","start":581.39496,"end":584.855,"sentiment":"neutral","sentiment_score":-0.09619479945727757}],"sentiment":"neutral","sentiment_score":0.012388524221023545,"num_words":32,"start":569.06,"end":584.855},{"sentences":[{"text":"Yeah.","start":589.39496,"end":589.71497,"sentiment":"neutral","sentiment_score":-0.010056179016828535},{"text":"Okay.","start":589.71497,"end":590.195,"sentiment":"neutral","sentiment_score":0.02648319862782955},{"text":"Perfect.","start":590.195,"end":590.695,"sentiment":"neutral","sentiment_score":0.10204719007015228},{"text":"So more than ten years.","start":592.14,"end":593.36,"sentiment":"neutral","sentiment_score":0.0075822964310646055},{"text":"Anyway yeah.","start":594.14,"end":595.44,"sentiment":"neutral","sentiment_score":0.006035398691892624}],"sentiment":"neutral","sentiment_score":0.016845648922026158,"num_words":10,"start":589.39496,"end":595.44},{"sentences":[{"text":"Yeah.","start":595.74,"end":596.06,"sentiment":"neutral","sentiment_score":0.0813492089509964},{"text":"Perfect.","start":596.06,"end":596.56,"sentiment":"neutral","sentiment_score":0.17656946182250977},{"text":"Now next is in regards to inflation.","start":597.5,"end":599.83997,"sentiment":"neutral","sentiment_score":0.013892993330955505},{"text":"So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing a little bit more.","start":600.3,"end":608.385,"sentiment":"neutral","sentiment_score":-0.09662268900622924},{"text":"Now how much of a risk are you willing to take in order to keep up with the rising prices?","start":608.925,"end":616.625,"sentiment":"neutral","sentiment_score":-0.07591009177267552}],"sentiment":"neutral","sentiment_score":-0.06569767448137391,"num_words":53,"start":595.74,"end":616.625},{"sentences":[{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk when it comes to your superannuation?","start":617.42,"end":626.64,"sentiment":"neutral","sentiment_score":-0.08265372967490783},{"text":"High moderate.","start":632.155,"end":632.975,"sentiment":"neutral","sentiment_score":-0.04619446396827698},{"text":"Okay.","start":633.195,"end":633.675,"sentiment":"neutral","sentiment_score":0.040084995329380035},{"text":"Perfect.","start":633.675,"end":634.175,"sentiment":"neutral","sentiment_score":0.14213180541992188},{"text":"Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start":636.235,"end":650.71,"sentiment":"neutral","sentiment_score":-0.20363303928664236}],"sentiment":"neutral","sentiment_score":-0.13935014913006435,"num_words":63,"start":617.42,"end":650.71},{"sentences":[{"text":"Would you say that you would, think that now is potentially a good time to invest a little bit more while the prices are down, would you say that you would probably hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped?","start":651.33,"end":672.325,"sentiment":"neutral","sentiment_score":-0.11516022187424824},{"text":"Probably just hold.","start":674.93,"end":675.89,"sentiment":"neutral","sentiment_score":-0.10318018744389217},{"text":"Yeah.","start":675.89,"end":676.37,"sentiment":"positive","sentiment_score":0.39608925580978394},{"text":"Perfect.","start":676.37,"end":676.87,"sentiment":"positive","sentiment_score":0.6410515308380127},{"text":"Now if you notice your superannuation fluctuate a little bit or any of your other assets, how did that make you feel?","start":679.73,"end":688.23,"sentiment":"neutral","sentiment_score":0.1409525370055979}],"sentiment":"neutral","sentiment_score":-0.038919760016622125,"num_words":91,"start":651.33,"end":688.23},{"sentences":[{"text":"Would you think, you know, optimistic about potential future opportunities or a bit more cautious, not wanting to make further investments or concerned or highly anxious?","start":689.14496,"end":700.925,"sentiment":"neutral","sentiment_score":-0.18311831784936097},{"text":"Yep.","start":703.5,"end":703.9,"sentiment":"neutral","sentiment_score":0.0175815150141716},{"text":"Okay.","start":703.9,"end":704.38,"sentiment":"neutral","sentiment_score":0.11557159572839736},{"text":"Perfect.","start":704.38,"end":704.88,"sentiment":"neutral","sentiment_score":0.30812883377075195},{"text":"And last one here is, would you ever consider taking out a loan to invest in stocks or funds?","start":705.58,"end":713.52,"sentiment":"neutral","sentiment_score":0.037995498235288416}],"sentiment":"neutral","sentiment_score":-0.07495583027290802,"num_words":48,"start":689.14496,"end":713.52},{"sentences":[{"text":"No.","start":715.445,"end":715.945,"sentiment":"neutral","sentiment_score":-0.06386375427246094},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":716.005,"end":720.02496,"sentiment":"neutral","sentiment_score":-0.03838649019598961},{"text":"Maybe.","start":723.125,"end":723.605,"sentiment":"neutral","sentiment_score":0.024038413539528847},{"text":"Okay.","start":723.605,"end":724.08496,"sentiment":"neutral","sentiment_score":0.10220065712928772},{"text":"Perfect.","start":724.08496,"end":724.58496,"sentiment":"neutral","sentiment_score":0.22354656457901}],"sentiment":"neutral","sentiment_score":-0.012535440680735251,"num_words":17,"start":715.445,"end":724.58496},{"sentences":[{"text":"And now, Tim, that tells me here that you have come out as a growth investor.","start":726.005,"end":730.89996,"sentiment":"neutral","sentiment_score":0.11202618665993214},{"text":"And at the moment, we have you invested in a high growth portfolio.","start":731.51996,"end":736.1,"sentiment":"neutral","sentiment_score":0.03489376317996245},{"text":"Do you know the difference between those two at all?","start":736.88,"end":740.01996,"sentiment":"neutral","sentiment_score":-0.00021773688495159115},{"text":"Alright.","start":742.095,"end":742.575,"sentiment":"neutral","sentiment_score":0.001584076671861112},{"text":"So, essentially, they they are pretty similar in that you are still looking at getting as much growth as you possibly can out of your superannuation while you do have the time, and that you are prepared to experience, you know, some higher levels of fluctuation in order to achieve that.","start":742.575,"end":758.69,"sentiment":"neutral","sentiment_score":0.05128118392153114}],"sentiment":"neutral","sentiment_score":0.05341521973317428,"num_words":91,"start":726.005,"end":758.69},{"sentences":[{"text":"Now the difference between the two, is, mainly when it comes through a asset allocation point of view, so how your money is invested.","start":759.15,"end":768.05,"sentiment":"neutral","sentiment_score":0.03259523127538463},{"text":"And in a high growth portfolio, typically, we see 90% invested in what we would call your growth assets.","start":768.975,"end":778.595,"sentiment":"neutral","sentiment_score":0.09185832405560895},{"text":"Now these are things like Australian shares, international shares, as well as property and commodities, and that is what's going to maximize your returns in those long term.","start":779.135,"end":791.72003,"sentiment":"neutral","sentiment_score":0.21094455383718014},{"text":"And then about 10% in more defensive assets like cash, gold, fixed interest, for example.","start":792.02,"end":798.52,"sentiment":"neutral","sentiment_score":0.0967330274482568},{"text":"The difference in a growth portfolio is about 10%.","start":799.66504,"end":803.205,"sentiment":"neutral","sentiment_score":0.07629576615161365}],"sentiment":"neutral","sentiment_score":0.11128103707573916,"num_words":95,"start":759.15,"end":803.205},{"sentences":[{"text":"So we then see about 80% in your growth, 20 in defensive.","start":803.34503,"end":808.645,"sentiment":"neutral","sentiment_score":0.11961246343950431},{"text":"Now when we are also looking about a time frame, so making sure that you have enough time in the market for those fluctuations.","start":810.465,"end":818.06006,"sentiment":"neutral","sentiment_score":0.067607418478777},{"text":"In a high growth portfolio, we do wanna allow a minimum of eight years ideally until retirement, making sure you have enough time for those fluctuations to come back around.","start":818.92004,"end":830.985,"sentiment":"neutral","sentiment_score":0.10202583534022172},{"text":"Or in a growth portfolio, we do see about six years or so.","start":831.525,"end":835.945,"sentiment":"neutral","sentiment_score":0.06339171815377015},{"text":"Does that make sense?","start":836.565,"end":837.78503,"sentiment":"neutral","sentiment_score":0.11089815571904182}],"sentiment":"neutral","sentiment_score":0.0889926219740546,"num_words":83,"start":803.34503,"end":837.78503},{"sentences":[{"text":"Yeah.","start":838.9,"end":839.14,"sentiment":"neutral","sentiment_score":0.19276170432567596},{"text":"Perfect.","start":839.14,"end":839.64,"sentiment":"neutral","sentiment_score":0.08914999663829803},{"text":"Now would you say that you are comfortable remaining in a high growth, or do you feel like you would like to look at reducing it down to a growth portfolio?","start":839.94,"end":848.76,"sentiment":"neutral","sentiment_score":-0.016371197037158475},{"text":"Yep.","start":850.995,"end":851.495,"sentiment":"neutral","sentiment_score":0.28926438093185425},{"text":"Great.","start":851.795,"end":852.19495,"sentiment":"positive","sentiment_score":0.7029339075088501}],"sentiment":"neutral","sentiment_score":0.021902939464364734,"num_words":35,"start":838.9,"end":852.19495},{"sentences":[{"text":"Perfect.","start":852.19495,"end":852.69495,"sentiment":"positive","sentiment_score":0.7812274098396301},{"text":"We can definitely do that.","start":852.83496,"end":854.77496,"sentiment":"positive","sentiment_score":0.7561908602714539},{"text":"Now if you have the option of accessing your emails now that for me, that would be great.","start":856.035,"end":861.57495,"sentiment":"positive","sentiment_score":0.4418364365895589},{"text":"Now we have just changed to any software, so it might look a little bit different to what it usually does.","start":862.035,"end":867.47003,"sentiment":"neutral","sentiment_score":0.11439962543192364},{"text":"And to make it easy for you, if you can open your inbox, before clicking on the link, there will be some attachments attached.","start":868.57,"end":879.07,"sentiment":"neutral","sentiment_score":0.1913583381101489}],"sentiment":"neutral","sentiment_score":0.2827569538916367,"num_words":69,"start":852.19495,"end":879.07},{"sentences":[{"text":"And if you can just let me know the first ones, and then we can go kinda with the order that you can see.","start":879.875,"end":885.015,"sentiment":"neutral","sentiment_score":0.1166425080349048},{"text":"Just before you click on that.","start":891.715,"end":892.995,"sentiment":"neutral","sentiment_score":0.030763742203513782},{"text":"So if you click on that link, it will take you to the documents that signing.","start":892.995,"end":897.07,"sentiment":"neutral","sentiment_score":0.060957153560593724},{"text":"But before you do it, you should be able to scroll down a little bit more before you click on the link, and there should be a couple of attachments.","start":897.17,"end":904.35,"sentiment":"neutral","sentiment_score":0.05916660372167826},{"text":"You should be able to see, like, a Vanguard index chart and a super insurance summary.","start":904.97,"end":910.165,"sentiment":"neutral","sentiment_score":0.09929778543300927}],"sentiment":"neutral","sentiment_score":0.07959869327833471,"num_words":92,"start":879.875,"end":910.165},{"sentences":[{"text":"Yeah.","start":910.225,"end":910.625,"sentiment":"neutral","sentiment_score":0.11432411521673204},{"text":"Perfect.","start":910.625,"end":911.125,"sentiment":"neutral","sentiment_score":0.23563653230667111},{"text":"Which one is listed first for you?","start":911.985,"end":914.085,"sentiment":"neutral","sentiment_score":0.07753467559814453},{"text":"Yes.","start":917.825,"end":918.305,"sentiment":"neutral","sentiment_score":0.0746961236000061},{"text":"Yep.","start":918.305,"end":918.805,"sentiment":"neutral","sentiment_score":0.08261826634407043}],"sentiment":"neutral","sentiment_score":0.09545616060495377,"num_words":11,"start":910.225,"end":918.805},{"sentences":[{"text":"So the services guided is an updated financial services guide.","start":918.865,"end":923.685,"sentiment":"neutral","sentiment_score":0.09592401832342148},{"text":"We've had a bit of changes in our marketing, which is great.","start":924.47,"end":927.02997,"sentiment":"neutral","sentiment_score":0.14885993860661983},{"text":"So it's it's very similar to the old ones.","start":927.02997,"end":929.44995,"sentiment":"neutral","sentiment_score":0.0928866681125429},{"text":"Just basically everything that you know, it's important for you to know about us.","start":929.50995,"end":933.85,"sentiment":"neutral","sentiment_score":0.09341804470334734},{"text":"So it's just a little bit of an updated version.","start":934.14996,"end":936.31,"sentiment":"neutral","sentiment_score":0.07125739008188248}],"sentiment":"neutral","sentiment_score":0.10185392702167684,"num_words":55,"start":918.865,"end":936.31},{"sentences":[{"text":"So the services guide is just a condensed version.","start":936.31,"end":939.37,"sentiment":"neutral","sentiment_score":0.08234180675612555},{"text":"It just breaks down the team, actually.","start":940.045,"end":942.125,"sentiment":"neutral","sentiment_score":0.11315499884741646},{"text":"So if you can open it, and then if you want to scroll down to page let me see.","start":942.125,"end":950.445,"sentiment":"neutral","sentiment_score":0.06298276870266388},{"text":"I think it's page 10.","start":950.445,"end":951.905,"sentiment":"neutral","sentiment_score":0.06907235011458397},{"text":"You should also see a photo of myself there, and sometimes it is nice to put a face to the voice.","start":952.73,"end":957.70996,"sentiment":"neutral","sentiment_score":0.14218930616265252}],"sentiment":"neutral","sentiment_score":0.09936345964059477,"num_words":61,"start":936.31,"end":957.70996},{"sentences":[{"text":"Yeah.","start":964.585,"end":965.085,"sentiment":"neutral","sentiment_score":0.1471116840839386},{"text":"Perfect.","start":965.145,"end":965.645,"sentiment":"positive","sentiment_score":0.4108859896659851},{"text":"So a little bit about us here for you so you can obviously have a bit of a read over that in your own time.","start":966.90497,"end":972.045,"sentiment":"neutral","sentiment_score":0.11314053863286971},{"text":"Just a bit bit of an updated marketing material there for you.","start":973.145,"end":976.285,"sentiment":"neutral","sentiment_score":0.13175475349028906},{"text":"Now, Tim, what is the next attachment that you can see?","start":977.35,"end":980.33,"sentiment":"neutral","sentiment_score":0.023587915877049618}],"sentiment":"neutral","sentiment_score":0.10454070512205363,"num_words":50,"start":964.585,"end":980.33},{"sentences":[{"text":"Yep.","start":983.03,"end":983.35,"sentiment":"neutral","sentiment_score":0.21861933171749115},{"text":"Perfect.","start":983.35,"end":983.67,"sentiment":"positive","sentiment_score":0.5423882603645325},{"text":"I won't get you to click onto that one.","start":983.67,"end":985.43,"sentiment":"neutral","sentiment_score":0.13572573827372658},{"text":"It's very similar to the services guide.","start":985.43,"end":987.35,"sentiment":"neutral","sentiment_score":0.24836679441588266},{"text":"It is just a longer version.","start":987.35,"end":988.97003,"sentiment":"neutral","sentiment_score":0.15365628898143768}],"sentiment":"neutral","sentiment_score":0.19346018880605698,"num_words":24,"start":983.03,"end":988.97003},{"sentences":[{"text":"So, again, I'll let you have a read over that in your own time.","start":989.11,"end":991.83,"sentiment":"neutral","sentiment_score":0.19567760239754403},{"text":"It's just just an updated one for you.","start":991.83,"end":994.065,"sentiment":"neutral","sentiment_score":0.19401933252811432},{"text":"And what is the next one?","start":995.245,"end":996.78503,"sentiment":"neutral","sentiment_score":0.046499401330947876},{"text":"Yes.","start":1000.685,"end":1001.085,"sentiment":"neutral","sentiment_score":0.30152803659439087},{"text":"Perfect.","start":1001.085,"end":1001.48505,"sentiment":"positive","sentiment_score":0.5437792539596558}],"sentiment":"neutral","sentiment_score":0.1805314930776755,"num_words":30,"start":989.11,"end":1001.48505},{"sentences":[{"text":"If you can open that one for me.","start":1001.48505,"end":1003.585,"sentiment":"neutral","sentiment_score":0.2809472270309925},{"text":"Sorry.","start":1005.66,"end":1005.98,"sentiment":"neutral","sentiment_score":-0.060933880507946014},{"text":"This one here shows us a bit of a breakdown of your current situation.","start":1005.98,"end":1009.51996,"sentiment":"neutral","sentiment_score":-0.014278548370514597},{"text":"Now I do wanna let you know as well that that TPA, so the third party authority that we have with, they have just expired.","start":1010.06,"end":1018.39996,"sentiment":"neutral","sentiment_score":-0.02698108322918415},{"text":"So I haven't been able to get updated figures there for you, but part of the signature attachment, there is an updated version.","start":1018.875,"end":1026.495,"sentiment":"neutral","sentiment_score":-0.0007725194420503533}],"sentiment":"neutral","sentiment_score":0.018231679305014476,"num_words":71,"start":1001.48505,"end":1026.495},{"sentences":[{"text":"So I will then send that off to Cbus, and we can do a bit of an updated research for you just to check the new the new balance, and just making sure that everything's all good for those insurances.","start":1027.035,"end":1038.67,"sentiment":"neutral","sentiment_score":0.12806464415043592},{"text":"But, otherwise, it is, you know, approximately about 12,000.","start":1039.37,"end":1043.05,"sentiment":"neutral","sentiment_score":-0.03630955041282707},{"text":"Could be a little bit more, could be a little bit less, obviously, since we did the research there for you.","start":1043.29,"end":1047.7101,"sentiment":"neutral","sentiment_score":-0.13824711101395742},{"text":"And can I check with you as well that you have contributions going into Cbus, or have they been changed?","start":1048.0901,"end":1055.935,"sentiment":"neutral","sentiment_score":-0.03401461811736226},{"text":"Okay.","start":1059.435,"end":1059.755,"sentiment":"neutral","sentiment_score":-0.09406080842018127}],"sentiment":"neutral","sentiment_score":0.012288541870785284,"num_words":91,"start":1027.035,"end":1059.755},{"sentences":[{"text":"Yeah.","start":1059.755,"end":1059.995,"sentiment":"neutral","sentiment_score":-0.09804381430149078},{"text":"Because I did see in Netwealth that I saw a contribution going in through Netwealth in January.","start":1059.995,"end":1066.08,"sentiment":"neutral","sentiment_score":-0.08954309781684595},{"text":"And I do wanna just check that as well because, typically, when we are retaining a fund for the purpose of insurances, we do like to keep contributions going into that fund because if there hasn't been any contributions for sixteen months, they can cancel them, and we don't want that to happen.","start":1066.7,"end":1086.025,"sentiment":"neutral","sentiment_score":-0.17921116189011987},{"text":"So we wanna make sure that the insurance stays in place.","start":1086.025,"end":1089.085,"sentiment":"neutral","sentiment_score":0.07482673735781149},{"text":"So I will go so before I ask you to change anything, I will go and just get that updated research for you.","start":1090.665,"end":1096.08,"sentiment":"neutral","sentiment_score":0.12359731709179671}],"sentiment":"neutral","sentiment_score":-0.07097748241254262,"num_words":105,"start":1059.755,"end":1096.08},{"sentences":[{"text":"I will triple check the amount and everything like that, and and then I'll put together a new SOA, so a new strategy paper for you to see if we need to change and roll over some money.","start":1096.08,"end":1109.04,"sentiment":"neutral","sentiment_score":0.10693930765908015},{"text":"Because if there are a little bit more or less in C bus, if you haven't had contributions going, it's probably a good amount.","start":1109.04,"end":1115.195,"sentiment":"neutral","sentiment_score":0.042847757770990334},{"text":"But I do like to just check as well because we wanna obviously have the most amount of money in the fund that's going to give you the most return or the highest return.","start":1115.335,"end":1122.875,"sentiment":"neutral","sentiment_score":0.24575918299310348},{"text":"And and I'll just go and check.","start":1124.4,"end":1125.6,"sentiment":"neutral","sentiment_score":0.1614192979676383},{"text":"And then if sorry.","start":1125.6,"end":1126.48,"sentiment":"neutral","sentiment_score":0.06566224433481693}],"sentiment":"neutral","sentiment_score":0.13869566506941186,"num_words":107,"start":1096.08,"end":1126.48},{"sentences":[{"text":"I might suggest that we change your contributions back to C Bus and do regular rollovers, but I will put that all in the paper for you before I get you to change anything.","start":1126.48,"end":1135.62,"sentiment":"neutral","sentiment_score":0.0785038081162116},{"text":"Yeah.","start":1136.9751,"end":1137.2151,"sentiment":"neutral","sentiment_score":0.16310827434062958},{"text":"Does that make sense?","start":1137.2151,"end":1138.3551,"sentiment":"neutral","sentiment_score":0.15367216989398003},{"text":"Yeah.","start":1139.295,"end":1139.615,"sentiment":"neutral","sentiment_score":0.24915362894535065},{"text":"Great.","start":1139.615,"end":1140.015,"sentiment":"positive","sentiment_score":0.5930608510971069}],"sentiment":"neutral","sentiment_score":0.10461319292463907,"num_words":41,"start":1126.48,"end":1140.015},{"sentences":[{"text":"Perfect.","start":1140.015,"end":1140.515,"sentiment":"positive","sentiment_score":0.5388216376304626},{"text":"Otherwise, you have, obviously, net worth where majority of your super is, and you do have a bit of life and total permanent disability.","start":1141.135,"end":1149.395,"sentiment":"neutral","sentiment_score":0.10778803921615084},{"text":"Again, I will check the numbers.","start":1149.615,"end":1151.0751,"sentiment":"neutral","sentiment_score":0.06046809380253156},{"text":"You can see roughly that last time what it was, and then, obviously, the premium that comes out of that as well.","start":1151.2699,"end":1158.0099,"sentiment":"neutral","sentiment_score":0.10912977785549381},{"text":"Now with your insurances as well, are you quite happy with those amounts?","start":1158.3099,"end":1162.97,"sentiment":"neutral","sentiment_score":0.1237307615005053}],"sentiment":"neutral","sentiment_score":0.1136045174842531,"num_words":66,"start":1140.015,"end":1162.97},{"sentences":[{"text":"Do you feel like they are quite adequate to meet your needs, or what are your thoughts about yeah.","start":1163.0299,"end":1168.165,"sentiment":"neutral","sentiment_score":0.09431409365252445},{"text":"Great.","start":1168.305,"end":1168.785,"sentiment":"positive","sentiment_score":0.47784423828125},{"text":"Perfect.","start":1168.785,"end":1169.285,"sentiment":"positive","sentiment_score":0.4237658381462097},{"text":"Now what is the next attachment there otherwise for you?","start":1171.345,"end":1174.885,"sentiment":"neutral","sentiment_score":0.11252457089722157},{"text":"Yeah.","start":1180.48,"end":1180.8,"sentiment":"neutral","sentiment_score":0.1705089509487152}],"sentiment":"neutral","sentiment_score":0.1246666411170736,"num_words":32,"start":1163.0299,"end":1180.8},{"sentences":[{"text":"Perfect.","start":1180.8,"end":1181.28,"sentiment":"neutral","sentiment_score":0.30808204412460327},{"text":"So if you can click on that one for me.","start":1181.28,"end":1183.28,"sentiment":"neutral","sentiment_score":0.17363908737897873},{"text":"Now this one sometimes does look a little bit messy, but it does show you a bit of a breakdown of your current portfolio at the moment in Netwealth.","start":1183.28,"end":1195.005,"sentiment":"neutral","sentiment_score":0.13966379905569143},{"text":"So it gives you all the different investments and how they've all performed and how it's all done.","start":1196.025,"end":1201.085,"sentiment":"neutral","sentiment_score":0.2703105920097894},{"text":"And I do want to, as well, if you're happy for me to do so, do a bit of a review of your investment because things are always, you know, continuously changing, and it is important to review them, especially with everything going on in the market at the moment, making sure that we have the best options.","start":1201.785,"end":1219.32,"sentiment":"neutral","sentiment_score":0.27048183412387455}],"sentiment":"neutral","sentiment_score":0.22972638039560667,"num_words":116,"start":1180.8,"end":1219.32},{"sentences":[{"text":"And overall, a lot of the investments have done pretty okay, but there is one investment that has kind of underperformed a little bit.","start":1219.38,"end":1226.645,"sentiment":"neutral","sentiment_score":-0.16979495839526257},{"text":"So I would like to look at changing that one.","start":1226.645,"end":1229.385,"sentiment":"neutral","sentiment_score":-0.09874019473791122},{"text":"I'll do the research for you, but that is your Benelung Australian equity.","start":1229.845,"end":1233.5449,"sentiment":"neutral","sentiment_score":0.03248187648848845},{"text":"Now that one was added through your portfolio at that time.","start":1234.02,"end":1237.3,"sentiment":"neutral","sentiment_score":0.016881014135750858},{"text":"It is your your active investments that was doing really, really well.","start":1237.3,"end":1242.5,"sentiment":"neutral","sentiment_score":0.07523083873093128}],"sentiment":"neutral","sentiment_score":-0.05073936191786613,"num_words":70,"start":1219.38,"end":1242.5},{"sentences":[{"text":"But recently, they've kind of underperformed a little bit, and the biggest reason is that one of their investments so not Benelung itself, but one of the investments that they had in that portfolio, the corporate travel group, was suspended for trading.","start":1242.5,"end":1255.855,"sentiment":"neutral","sentiment_score":-0.2343907824584416},{"text":"Some of that reporting didn't really add up, so it was suspended for trading, which meant that their share price and everything dropped.","start":1256.5549,"end":1264.02,"sentiment":"neutral","sentiment_score":-0.2888644357090411},{"text":"So that's kind of caused a bit of fluctuation in that, and it's have underperformed lately.","start":1264.16,"end":1270.24,"sentiment":"neutral","sentiment_score":-0.2813735092058778},{"text":"So I would like to look at changing that one out for you to something that's doing a little bit better.","start":1270.24,"end":1275.14,"sentiment":"neutral","sentiment_score":0.005575934336298988},{"text":"But I'll go and do do that research for you and see what's going to be the best for you.","start":1275.595,"end":1280.495,"sentiment":"neutral","sentiment_score":0.27343425042927266}],"sentiment":"neutral","sentiment_score":-0.12626632296892462,"num_words":122,"start":1242.5,"end":1280.495},{"sentences":[{"text":"Still keeping you in a high growth.","start":1280.6349,"end":1282.335,"sentiment":"neutral","sentiment_score":0.18130995758942195},{"text":"No.","start":1282.475,"end":1282.6349,"sentiment":"neutral","sentiment_score":0.037292733788490295},{"text":"That's okay.","start":1282.6349,"end":1283.455,"sentiment":"neutral","sentiment_score":0.05908551439642906},{"text":"Now the last one, is that your Vanguard index chart there?","start":1284.5549,"end":1288.975,"sentiment":"neutral","sentiment_score":0.03714500333775173},{"text":"Yep.","start":1291.94,"end":1292.44,"sentiment":"neutral","sentiment_score":0.04946034774184227}],"sentiment":"neutral","sentiment_score":0.08557676591656425,"num_words":22,"start":1280.6349,"end":1292.44},{"sentences":[{"text":"You would have seen this one before.","start":1292.82,"end":1294.6799,"sentiment":"neutral","sentiment_score":0.044090853205748966},{"text":"It's just bit of an updated version.","start":1295.5399,"end":1297.32,"sentiment":"neutral","sentiment_score":0.07059294943298612},{"text":"Again, just to give you a good kind of visual representation of what we are talking about when we are talking about the market.","start":1297.38,"end":1304.625,"sentiment":"neutral","sentiment_score":0.13744632775584856},{"text":"But you can kind of see here that, you know, over the long term, the market always goes up.","start":1304.625,"end":1310.405,"sentiment":"neutral","sentiment_score":0.03385491669178009},{"text":"Short term, there are some ups and downs and market fluctuation.","start":1310.625,"end":1313.525,"sentiment":"neutral","sentiment_score":-0.011038393882865255}],"sentiment":"neutral","sentiment_score":0.06798999366240904,"num_words":68,"start":1292.82,"end":1313.525},{"sentences":[{"text":"Yep.","start":1315.23,"end":1315.73,"sentiment":"neutral","sentiment_score":0.11406362056732178},{"text":"Do you have any questions so far?","start":1315.87,"end":1317.47,"sentiment":"neutral","sentiment_score":0.12366968233670507},{"text":"That kind of all makes sense.","start":1317.47,"end":1318.93,"sentiment":"negative","sentiment_score":-0.3379242618878682},{"text":"No.","start":1319.55,"end":1319.71,"sentiment":"neutral","sentiment_score":-0.008334286510944366},{"text":"Perfect.","start":1319.71,"end":1320.21,"sentiment":"positive","sentiment_score":0.3837081789970398}],"sentiment":"neutral","sentiment_score":-0.04202626761980355,"num_words":16,"start":1315.23,"end":1320.21},{"sentences":[{"text":"Now if you then wanna click on the signature link now for me, and I will just kind of show you the documents that it will just ask you to sign if you're happy to do so.","start":1320.8301,"end":1331.385,"sentiment":"neutral","sentiment_score":0.20515963072712357},{"text":"So you will see one that is an ongoing service agreement.","start":1333.765,"end":1338.6649,"sentiment":"neutral","sentiment_score":0.1350886415351521},{"text":"That's just to say that you are happy to, you know, remain as a client and stay on board for the next twelve months.","start":1339.125,"end":1345.04,"sentiment":"positive","sentiment_score":0.3988967364033063},{"text":"But like usual, you know, there is no lock in contract at all.","start":1345.26,"end":1348.2201,"sentiment":"neutral","sentiment_score":0.0605880214044681},{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1348.2201,"end":1352.4801,"sentiment":"neutral","sentiment_score":0.02533571027657565}],"sentiment":"neutral","sentiment_score":0.19479171000421047,"num_words":102,"start":1320.8301,"end":1352.4801},{"sentences":[{"text":"But, otherwise, this one here just gets us remaining servicing on your account and help service you.","start":1352.6201,"end":1358.145,"sentiment":"neutral","sentiment_score":0.21796337295981014},{"text":"And yeah.","start":1360.0651,"end":1361.265,"sentiment":"positive","sentiment_score":0.37816938757896423},{"text":"Perfect.","start":1361.265,"end":1361.745,"sentiment":"positive","sentiment_score":0.582209587097168},{"text":"You also have kind of a compliance document.","start":1361.745,"end":1363.8251,"sentiment":"neutral","sentiment_score":0.302958220243454},{"text":"It's just a tax file number form just to say we are keeping your tax file secure on the file.","start":1363.8251,"end":1369.125,"sentiment":"neutral","sentiment_score":0.2958917111158371}],"sentiment":"neutral","sentiment_score":0.2788630351424217,"num_words":48,"start":1352.6201,"end":1369.125},{"sentences":[{"text":"And the last one is that TPI I mentioned earlier just so we can get some updated research done on that CBass account for you.","start":1369.425,"end":1376.91,"sentiment":"neutral","sentiment_score":0.2366717380285263},{"text":"Yeah.","start":1377.77,"end":1378.09,"sentiment":"neutral","sentiment_score":0.2165798842906952},{"text":"Perfect.","start":1378.09,"end":1378.59,"sentiment":"positive","sentiment_score":0.34207504987716675},{"text":"So if you are happy to do so, if you can then press sign, I believe it is, and it might just ask you to draw a signature.","start":1379.37,"end":1387.07,"sentiment":"neutral","sentiment_score":0.15499173264418328},{"text":"A little bit different to what it oh, great.","start":1387.735,"end":1389.8949,"sentiment":"neutral","sentiment_score":0.13083206572466427}],"sentiment":"neutral","sentiment_score":0.18738602328812703,"num_words":64,"start":1369.425,"end":1389.8949},{"sentences":[{"text":"Perfect.","start":1389.8949,"end":1390.375,"sentiment":"positive","sentiment_score":0.5645025968551636},{"text":"Thank you so much.","start":1390.375,"end":1391.6749,"sentiment":"positive","sentiment_score":0.6436095088720322},{"text":"So like I said, Tim, I will go and do the research for you on your investment, also see, you know, if we wanna change your contributions and stuff like that.","start":1392.215,"end":1400.635,"sentiment":"neutral","sentiment_score":0.2478324569040729},{"text":"But before I let you go, otherwise, do you have any other questions or need anything else from us?","start":1401.2001,"end":1406.4,"sentiment":"neutral","sentiment_score":0.0520258174326859},{"text":"Yeah.","start":1406.4,"end":1406.9,"sentiment":"neutral","sentiment_score":0.3133624196052551}],"sentiment":"neutral","sentiment_score":0.21649285262849713,"num_words":56,"start":1389.8949,"end":1406.9},{"sentences":[{"text":"Perfect.","start":1406.96,"end":1407.46,"sentiment":"positive","sentiment_score":0.5424374341964722},{"text":"Great.","start":1408.96,"end":1409.36,"sentiment":"positive","sentiment_score":0.6391741037368774},{"text":"Perfect.","start":1409.36,"end":1409.86,"sentiment":"positive","sentiment_score":0.5728456377983093},{"text":"I will also get the team to email you those beneficiary forms so we can get that changed to Kylie as 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Good morning. Is this something? Yes. Speaking. Good. Thanks. Yep. That's fine. Yeah. That's fine. It's Timothy Short. Twenty nine twelve nine seventy three, and it's 87 Anderson Street, Webberton, WA. Glad just getting started. No. I'm happy with everything at the moment. Yes. Yep. Yep. No. Nothing changed. It's still be the same as last year. No. No. Not well, no. That should be all the same. Yep. I'll just put my wife. Kylie, k y l I e. Yes. 0407994022. Yes. Well, I'm actually trying to obvious yeah. It's changed because I'm I'm in mining now. So no. No. It's a test pump operator. Yeah. It's two weeks on, two weeks off. Yeah. Four years now. MacArthur Drilling and Pumping. Yes. A little bit. It's probably about 140. So I just Yes. It's sort of included, pretty much. Yes. No. No. No. I don't. Yep. Yeah. That'd be about right. No. That's about the same. Yes. It's about 5 at the moment. No. Yes. No. That's all. No. No. No. Still the same. Nothing's changed. Yep. She's my daughter. 20 this year. Okay. Can I just make it a 100% to my wife? Yeah. Yeah. Yeah. Yes. I do. Yep. Yep. Yes, please. Yep. Not at the moment. No. No. No. Yes. Still, sir. No. No. Not at the moment. Probably be I can't '65, '70, I guess. Somewhere around there. Yeah. At least. Probably the high, moderate. I'll probably just hold. Not be optimistic. No. Maybe. No. Yep. Yes. No. I wanna stay in the high price. Yep. Is that just the signature request one? Yep. The services card? Yep. Okay. Yep. I've got it now. Yep. Financial services. Yep. Super and insurance summary. Yep. Okay. Yep. Yep. No problem. No. No. I don't have any contributions going in there. Yep. Yep. Yep. No worries at all. Okay. Thanks. Yeah. Yeah. Yep. Yeah. That is fine at the moment. The performance. Yep. Okay. Yep. That's fine. Okay. Thank you. Yep. Yep. Yep. No. That's fine. Yep. Yep. That's okay. Yep. No worries. Yep. Yeah. I've already done it. Yep. No. I'm happy happy with the way I'm still going. Yep. No worries. Yep. That's fine. No worries. Thank you. 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Good morning. Is this something? Yes. Speaking.\n\nGood. Thanks. Yep. That's fine. Yeah.\n\nThat's fine. It's Timothy Short. Twenty nine twelve nine seventy three, and it's 87 Anderson Street, Webberton, WA. Glad just getting started. No.\n\nI'm happy with everything at the moment. Yes. Yep. Yep. No.\n\nNothing changed. It's still be the same as last year. No. No. Not well, no.\n\nThat should be all the same. Yep. I'll just put my wife. Kylie, k y l I e. Yes.\n\n0407994022. Yes. Well, I'm actually trying to obvious yeah. It's changed because I'm I'm in mining now. So no.\n\nNo. It's a test pump operator. Yeah. It's two weeks on, two weeks off. Yeah.\n\nFour years now. MacArthur Drilling and Pumping. Yes. A little bit. It's probably about 140.\n\nSo I just Yes. It's sort of included, pretty much. Yes. No. No.\n\nNo. I don't. Yep. Yeah. That'd be about right.\n\nNo. That's about the same. Yes. It's about 5 at the moment. No.\n\nYes. No. That's all. No. No.\n\nNo. Still the same. Nothing's changed. Yep. She's my daughter.\n\n20 this year. Okay. Can I just make it a 100% to my wife? Yeah. Yeah.\n\nYeah. Yes. I do. Yep. Yep.\n\nYes, please. Yep. Not at the moment. No. No.\n\nNo. Yes. Still, sir. No. No.\n\nNot at the moment. Probably be I can't '65, '70, I guess. Somewhere around there. Yeah. At least.\n\nProbably the high, moderate. I'll probably just hold. Not be optimistic. No. Maybe.\n\nNo. Yep. Yes. No. I wanna stay in the high price.\n\nYep. Is that just the signature request one? Yep. The services card? Yep.\n\nOkay. Yep. I've got it now. Yep. Financial services.\n\nYep. Super and insurance summary. Yep. Okay. Yep.\n\nYep. No problem. No. No. I don't have any contributions going in there.\n\nYep. Yep. Yep. No worries at all. Okay.\n\nThanks. Yeah. Yeah. Yep. Yeah.\n\nThat is fine at the moment. The performance. Yep. Okay. Yep.\n\nThat's fine. Okay. Thank you. Yep. Yep.\n\nYep. No. That's fine. Yep. Yep.\n\nThat's okay. Yep. No worries. Yep. 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Yes. Speaking.\n\nChannel 0: This is Veronica from IT Financial. How are you this morning?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's great. I had you booked in to complete your annual review. Is now still a good time for you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. 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: Yeah.\n\nChannel 0: Yep. Perfect. And just to confirm I\n\nChannel 1: That's\n\nChannel 0: am speaking with the right person, could you just confirm your\n\nChannel 1: fine.\n\nChannel 0: full name, date of birth, and address for me, please?\n\nChannel 1: It's Timothy Short. Twenty nine twelve nine seventy three, and it's 87 Anderson Street, Webberton,\n\nChannel 0: Yep.\n\nChannel 1: WA.\n\nChannel 0: Great. Have yep. Perfect. That's exactly what I have here. And how's your morning been so far?\n\nBeen busy or just kind of getting started?\n\nChannel 1: Glad just getting started.\n\nChannel 0: Yeah. Perfect. Now just before I do jump into the annual review there with you, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on, or it's just a bit of an the usual update?\n\nChannel 1: No. I'm happy with everything at the moment.\n\nChannel 0: Yep. Perfect. Now, Timothy, I have just sent you an email with some documents to run through with you. Do you have access to emails at the moment or not really right\n\nChannel 1: Yes.\n\nChannel 0: now?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. So I'll get you to access access those shortly and run through a couple of those documents. But before I do, I'll just like to run through a bit of an updated fact find to see if there's anything that's changed in your life that requires us to make any changes to your advice at all.\n\nChannel 1: Yep.\n\nChannel 0: Sorry.\n\nChannel 1: No. Nothing changed.\n\nChannel 0: Yeah.\n\nChannel 1: It's still be the same\n\nChannel 0: Pretty.\n\nChannel 1: as last year.\n\nChannel 0: Yeah. Great. Perfect. So, obviously, no changes in your marital status or\n\nChannel 1: No.\n\nChannel 0: no financial dependence or anything like that? Nope.\n\nChannel 1: No. Not well, no. That should be\n\nChannel 0: No.\n\nChannel 1: all the same.\n\nChannel 0: Now it doesn't look like I have a next up team on file for you.\n\nChannel 1: Yep.\n\nChannel 0: Who would you like to nominate, and it can be anybody?\n\nChannel 1: I'll just put my wife.\n\nChannel 0: Yep. Perfect. And just their name, please.\n\nChannel 1: Kylie,\n\nChannel 0: Kylie. And how would you spell that?\n\nChannel 1: k y l I e.\n\nChannel 0: Perfect. Same last name as you?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. And best contact number, please.\n\nChannel 1: 0407994022.\n\nChannel 0: 4022. Great. Perfect. Thank you so much for that. Occupation wise, no changes, all the same as well?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. I do have here about a 130,000 income from the truck driving.\n\nChannel 1: Well, I'm actually trying to obvious yeah. It's changed because I'm I'm in mining now. So\n\nChannel 0: Okay. Let me update that. So are you still doing truck driving, but are there are there mines?\n\nChannel 1: no. No.\n\nChannel 0: No. And what do you do at their mine site now?\n\nChannel 1: It's a test pump operator.\n\nChannel 0: Yeah. Okay. Operator.\n\nChannel 1: Yeah.\n\nChannel 0: And do you do, like, a different rotation for it?\n\nChannel 1: It's two weeks on, two weeks off.\n\nChannel 0: Oh, that's pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: And how long have you been doing that for?\n\nChannel 1: Four years now.\n\nChannel 0: Oh, yeah. Okay. Perfect. And who's your employer?\n\nChannel 1: MacArthur\n\nChannel 0: McCarthy. Perfect.\n\nChannel 1: Drilling and Pumping.\n\nChannel 0: Drilling and pumping. And working full time? Yeah. Great. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Income, did that change a little bit as well then?\n\nChannel 1: A little bit. It's probably\n\nChannel 0: Yeah.\n\nChannel 1: about 140.\n\nChannel 0: Oh, yep. Perfect.\n\nChannel 1: So I just\n\nChannel 0: A little bit more. And do you get any, like, bonuses or overtime or stuff like that or just kind of, like, the\n\nChannel 1: Yes.\n\nChannel 0: the yep. And is that on top of the $1.40?\n\nChannel 1: It's sort of included, pretty\n\nChannel 0: Included.\n\nChannel 1: much.\n\nChannel 0: Okay. Okay. Perfect. And your employer, they just pay that standard 12% contribution into super, do they? Like, you don't\n\nChannel 1: Yes.\n\nChannel 0: have a special Yeah. Perfect. That's great. And you don't make any additional contributions just out\n\nChannel 1: No.\n\nChannel 0: of your\n\nChannel 1: No.\n\nChannel 0: employer? Yep. Perfect.\n\nChannel 1: No. I don't.\n\nChannel 0: No. That's all good. I do have here as well expenses and saving expenses about $1,000 a week and saves roughly 500 a week.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now any changes to your assets, I have five cars combined value at about fifth 80,000.\n\nChannel 1: Yeah. That'd be about right.\n\nChannel 0: Yeah. About 30,000 owing. Oh, has that changed?\n\nChannel 1: No. That's about the same.\n\nChannel 0: But same. Perfect. Also, caravan worth about 50,000.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Savings, I have here about 10,000.\n\nChannel 1: It's about 5 at the moment.\n\nChannel 0: No worries. And do you have a property as well?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Just renting at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Any other assets we haven't gone over?\n\nChannel 1: No. That's all.\n\nChannel 0: No. Perfect. And any other liabilities, like personal loans or credit card or SIP pay?\n\nChannel 1: No. No.\n\nChannel 0: Not quite perfect. And a little bit about health and lifestyle. Has anything changed? Are you still a nonsmoker?\n\nChannel 1: No. Still the same. Nothing's\n\nChannel 0: Perfect.\n\nChannel 1: changed.\n\nChannel 0: Not great. And estate planning wise, I have here that for your beneficiaries, we have 75% for Kylie and 25 for Sarah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And, Kylie, obviously, your wife and Sarah. Who who is she? What's the relationship\n\nChannel 1: She's\n\nChannel 0: there?\n\nChannel 1: my daughter.\n\nChannel 0: Okay. Perfect. And how old is she?\n\nChannel 1: 20 this year.\n\nChannel 0: Perfect. Now I do wanna let you know as well with beneficiaries when it comes to obviously kids over 18, they are still a valid nomination very much so. But if they are over 18, there are some special rules if they are, you know, at university or studying or, if there are, like, disabilities and stuff like that. But, otherwise, typically, children over 18 can be taxed up to 302% medical levy for any benefits they receive if something were to happen to you.\n\nChannel 1: Okay. Can I just make it a 100% to my wife?\n\nChannel 0: Yeah. And it is tax free to her. And that's why I do\n\nChannel 1: Yeah.\n\nChannel 0: wanna mention it because sometimes people don't know and they they just allocate it that way. But then when they do find out their tax consequences, sometimes they do change it to the partner, and then, obviously, your your wife would support your daughter as well if something were to happen.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Alright. I will get those resent through you. Because it is making a legal nomination, I will just need you to complete the forms again. Do you have access to a printer at all, or do you prefer\n\nChannel 1: Yes. I\n\nChannel 0: post?\n\nChannel 1: do.\n\nChannel 0: Post. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So what I'll do is I'll get the team to email that to you to make it a bit quicker, especially with post to w a might take a little while. So I'll get them to email that to you. If you can just complete that when you have a moment, return it to us, and then we'll get that updated, for a 100% to your wife.\n\nChannel 1: Yep.\n\nChannel 0: And I can get it prefilled if you would like as well to make it easier.\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Perfect. And you're still happy with the binding, non lapsing nominations, obviously, making sure that the trustee are bound to follow your wishes and that it stays in place until you decide to change it.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Great. Perfect. Otherwise, do you guys have a will in place or a power of attorney or anything like that?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: Nope. That's okay. You don't have anyone who makes any financial decisions on your behalf otherwise? No.\n\nChannel 1: No.\n\nChannel 0: Perfect. And you don't earn any income overseas or are politically exposed at all?\n\nChannel 1: No.\n\nChannel 0: No. Great. Perfect. Any changes otherwise to your goals and what you are working on? I think the last time we spoke to you, you were kind of focusing on being debt free, continue to enjoy life, maybe take out the caravan for a couple of trips.\n\nChannel 1: Yes. Still, sir.\n\nChannel 0: Still the same. Okay. Perfect. Now next is just to run through another updated risk profile questionnaire with you there, Tim, just to see if anything has changed and if we need to make any changes to your risk profile. So it's all just multiple choice to make it nice and easy.\n\nThere's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Now have you ever bought direct shares yourself? No. Perfect.\n\nAnd at the moment, when do you think you would like to start accessing your super or retiring? Do you have any idea?\n\nChannel 1: No. No. Not at the moment.\n\nChannel 0: No. Do you think, like, '60, '65, '67?\n\nChannel 1: Probably be I can't '65, '70, I guess. Somewhere around there.\n\nChannel 0: Yeah. Okay. Perfect. So more than ten years.\n\nChannel 1: Yeah.\n\nChannel 0: Anyway\n\nChannel 1: At\n\nChannel 0: yeah.\n\nChannel 1: least.\n\nChannel 0: Yeah. Perfect. Now next is in regards to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to keep up with the rising prices?\n\nWould you say that you are willing to accept very high risk, high moderate, or a small amount of risk when it comes to your superannuation?\n\nChannel 1: Probably the high, moderate.\n\nChannel 0: High moderate. Okay. Perfect. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you say that you would, think that now is potentially a good time to invest a little bit more while the prices are down, would you say that you would probably hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped?\n\nChannel 1: I'll probably just hold.\n\nChannel 0: Probably just hold. Yeah. Perfect. Now if you notice your superannuation fluctuate a little bit or any of your other assets, how did that make you feel? Would you think, you know, optimistic about potential future opportunities or a bit more cautious, not wanting to make further investments or concerned or highly anxious?\n\nChannel 1: Not be optimistic.\n\nChannel 0: Yep. Okay. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: No.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: Maybe.\n\nChannel 0: Maybe. Okay. Perfect. And now, Tim, that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio.\n\nDo you know the difference between those two at all?\n\nChannel 1: No.\n\nChannel 0: Alright. So, essentially, they they are pretty similar in that you are still looking at getting as much growth as you possibly can out of your superannuation while you do have the time, and that you are prepared to experience, you know, some higher levels of fluctuation in order to achieve that. Now the difference between the two, is, mainly when it comes through a asset allocation point of view, so how your money is invested. And in a high growth portfolio, typically, we see 90% invested in what we would call your growth assets. Now these are things like Australian shares, international shares, as well as property and commodities, and that is what's going to maximize your returns in those long term.\n\nAnd then about 10% in more defensive assets like cash, gold, fixed interest, for example. The difference in a growth portfolio is about 10%. So we then see about 80% in your growth, 20 in defensive. Now when we are also looking about a time frame, so making sure that you have enough time in the market for those fluctuations. In a high growth portfolio, we do wanna allow a minimum of eight years ideally until retirement, making sure you have enough time for those fluctuations to come back around.\n\nOr in a growth portfolio, we do see about six years or so. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now would you say that you are comfortable remaining in a high growth, or do you feel like you would like to look at reducing it down to a growth portfolio?\n\nChannel 1: No. I wanna stay in the high price.\n\nChannel 0: Yep. Great. Perfect. We can definitely do that. Now if you have the option of accessing your emails now that for me, that would be great.\n\nNow we have just changed to any software, so it might look a little bit different to what it usually does. And to make it easy for you, if you can open your inbox, before clicking on the link, there will be some attachments attached. And if you can just let me know the first ones, and then we can go kinda with the order that you can see.\n\nChannel 1: Yep. Is that just the signature request one?\n\nChannel 0: Just before you click on that. So if you click on that link, it will take you to the documents that signing. But before you do it, you should be able to scroll down a little bit more before you click on the link, and there should be a couple of attachments. You should be able to see, like, a Vanguard index chart and a super insurance\n\nChannel 1: Yep.\n\nChannel 0: summary. Yeah. Perfect. Which one is listed first for you?\n\nChannel 1: The services card?\n\nChannel 0: Yes. Yep. So the services guided is an updated financial services guide. We've had a bit of changes in our marketing, which is great. So it's it's very similar to the old ones.\n\nJust basically everything that you know, it's important for you to know about us. So it's just a little bit of an updated version. So the services guide is just a condensed version. It just breaks down the team, actually. So if you can open it, and\n\nChannel 1: Yep.\n\nChannel 0: then if you want\n\nChannel 1: Okay.\n\nChannel 0: to scroll down to page let me see. I think it's page 10. You should also see a photo of myself there, and sometimes it is nice to put a face to the voice.\n\nChannel 1: Yep. I've\n\nChannel 0: Yeah.\n\nChannel 1: got it\n\nChannel 0: Perfect. So a little bit about us here for you\n\nChannel 1: now.\n\nChannel 0: so you can obviously have a bit of a read over that in your own time.\n\nChannel 1: Yep.\n\nChannel 0: Just a bit bit of an updated marketing material there for you. Now, Tim, what is the next attachment that you can see?\n\nChannel 1: Financial services.\n\nChannel 0: Yep. Perfect. I won't get you to click onto that one. It's very similar to the services guide. It is just a longer version.\n\nSo, again, I'll let you have a read over that in your own time. It's just just an updated one for you.\n\nChannel 1: Yep.\n\nChannel 0: And what is the next one?\n\nChannel 1: Super and insurance summary.\n\nChannel 0: Yes. Perfect. If you can open that one for me.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. This one here shows us a bit of a breakdown of your current situation. Now I do wanna let you know as well that that TPA, so the third party authority that we have with, they have just expired. So I haven't\n\nChannel 1: Okay.\n\nChannel 0: been able to get updated figures there for you, but part of the signature attachment, there is an updated version. So I will then send that off to Cbus, and we can do a bit of an updated research for you just to check\n\nChannel 1: Yep.\n\nChannel 0: the new the new balance, and just making sure that everything's all good for those insurances. But, otherwise,\n\nChannel 1: Yep. No problem.\n\nChannel 0: it is, you know, approximately about 12,000. Could be a little bit more, could be a little bit less, obviously, since we did the research there for you. And can I check with you as well that you have contributions going into Cbus, or have\n\nChannel 1: No.\n\nChannel 0: they been changed?\n\nChannel 1: No. I don't have any contributions going in there.\n\nChannel 0: Okay. Yeah. Because I did see in Netwealth that I saw a contribution going in through Netwealth in January. And I do wanna just check that as well because, typically, when we are retaining a fund for the purpose of insurances, we do like to keep contributions going into that fund because if there hasn't been any contributions for sixteen months, they can cancel them, and we don't want that to happen. So we wanna make sure that the insurance stays in place.\n\nChannel 1: Yep.\n\nChannel 0: So I will go so before I ask you to change anything, I will go and just get that updated research for you. I will triple check the amount and everything like that,\n\nChannel 1: Yep.\n\nChannel 0: and and then I'll put together a new SOA, so a new strategy paper for you to see if we need to change and roll over some money. Because if there are a little bit more or less in C bus, if you haven't had contributions going, it's probably a good amount. But I do like to just check as well because we wanna obviously have the most amount of money in the fund that's going to give you the most return or the highest return.\n\nChannel 1: Yep. No worries at all.\n\nChannel 0: And and I'll just go and check. And then if sorry. I might suggest that we change your contributions back to C Bus and do regular rollovers, but I will put that all in the paper for you before I get you to change anything.\n\nChannel 1: Okay. Thanks.\n\nChannel 0: Yeah. Does that make sense?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Great. Perfect. Otherwise, you have, obviously, net worth where majority of your super is, and you do have a bit of life and total permanent disability. Again, I will check the numbers.\n\nYou can see roughly that last time what it was, and then, obviously, the premium that comes out of that as well. Now\n\nChannel 1: Yep.\n\nChannel 0: with your insurances as well, are you quite happy with those amounts? Do you feel like they are quite adequate to meet your needs, or\n\nChannel 1: Yeah.\n\nChannel 0: what are\n\nChannel 1: That\n\nChannel 0: your thoughts about\n\nChannel 1: is fine at the moment.\n\nChannel 0: yeah. Great. Perfect. Now what is the next attachment there otherwise for you?\n\nChannel 1: The performance.\n\nChannel 0: Yeah. Perfect. So if you can click on that one for me. Now this one sometimes does look a little bit messy, but it does show you a bit of a breakdown of your current portfolio at the moment in Netwealth. So it gives you all the different investments and how they've all performed and how it's all done.\n\nAnd I do want to, as well, if you're happy for me to do so, do a bit of a review of your investment because things are always, you know, continuously changing, and it is important to review them, especially with everything going on in the market at the moment, making sure that\n\nChannel 1: Yep.\n\nChannel 0: we have the best options. And overall, a lot of the investments have done pretty okay, but there is one investment that has kind of underperformed a little bit. So I would like to look at changing that one. I'll do the research for you, but that is your Benelung Australian equity. Now that\n\nChannel 1: Okay.\n\nChannel 0: one was added through your portfolio at that time. It is your your active investments that was doing really, really well. But recently, they've kind of underperformed a little bit, and the biggest reason is that one of their investments so not Benelung itself, but one of the investments that they had in that portfolio, the corporate travel group, was suspended for trading. Some of that reporting didn't really add up, so it was suspended for trading, which meant that their share price and everything dropped. So that's kind of caused a bit of fluctuation in that, and it's have underperformed lately.\n\nSo I would like to look at changing that one out for you to something that's doing\n\nChannel 1: Yep.\n\nChannel 0: a little bit better. But\n\nChannel 1: That's\n\nChannel 0: I'll\n\nChannel 1: fine.\n\nChannel 0: go and do do that research for you and see what's going to be the best for you.\n\nChannel 1: Okay.\n\nChannel 0: Still keeping\n\nChannel 1: Thank\n\nChannel 0: you\n\nChannel 1: you.\n\nChannel 0: in a high growth. No. That's\n\nChannel 1: Yep.\n\nChannel 0: okay. Now the last one, is that your Vanguard index chart there?\n\nChannel 1: Yep.\n\nChannel 0: Yep. You would have seen this one before. It's just bit of an updated version. Again, just to give you a good kind of visual representation of what we are talking about when we are talking about the market. But you can kind of see here that, you know, over the long term, the market always goes up.\n\nShort term, there are some ups and downs and market fluctuation.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Do you have any questions so far? That kind of all makes\n\nChannel 1: No.\n\nChannel 0: sense.\n\nChannel 1: That's fine.\n\nChannel 0: No. Perfect. Now if you then wanna click on the signature link now for me, and I will just kind of show you the documents that it will just ask you to sign if you're happy to do so. So you will see one that is an ongoing service agreement.\n\nChannel 1: Yep.\n\nChannel 0: That's just to say that you are happy to, you know, remain as a client and stay on board for the next twelve months. But like usual, you know, there is no lock in contract at all. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, this one here just gets us remaining servicing on your account and help service you.\n\nChannel 1: Yep. That's okay.\n\nChannel 0: And yeah. Perfect. You also have kind of a compliance document. It's just a tax file number form just to say we are keeping your tax file secure on the file. And the last one is that TPI I mentioned earlier just so we can get some updated research done on that CBass account for you.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah. Perfect. So if you are happy to do so, if you can then press sign, I believe it is, and it might just\n\nChannel 1: Yep.\n\nChannel 0: ask you to draw a signature.\n\nChannel 1: Yeah.\n\nChannel 0: A little\n\nChannel 1: I've\n\nChannel 0: bit\n\nChannel 1: already\n\nChannel 0: different\n\nChannel 1: done\n\nChannel 0: to\n\nChannel 1: it.\n\nChannel 0: what it oh, great. Perfect. Thank you so much. So like I said, Tim, I will go and do the research for you on your investment, also see, you know, if we wanna change your contributions and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: But before I let you go, otherwise, do you have any other questions or need\n\nChannel 1: No.\n\nChannel 0: anything\n\nChannel 1: I'm\n\nChannel 0: else\n\nChannel 1: happy\n\nChannel 0: from us? Yeah.\n\nChannel 1: happy\n\nChannel 0: Perfect.\n\nChannel 1: with the way I'm still going.\n\nChannel 0: Great. Perfect. I will also get the team to email you those beneficiary forms so we can get that changed to Kylie as well.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. Now it might take me a couple of weeks to get this research sorted. But as soon as I do, I will give you a call and run through the changes, and then you can let me know what you would like to do.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. Well, thank you so much for your time today, team, and I hope you have a lovely rest of your day.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.03203928843140602}],"sentiment":"neutral","sentiment_score":0.03203928843140602,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Good morning.","start":2.24,"end":2.72,"sentiment":"neutral","sentiment_score":0.27656472474336624}],"sentiment":"neutral","sentiment_score":0.27656472474336624,"channel":0,"num_words":2,"start":2.24,"end":2.72},{"sentences":[{"text":"Good","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.3127167820930481}],"sentiment":"neutral","sentiment_score":0.3127167820930481,"channel":1,"num_words":1,"start":2.6399999,"end":2.96},{"sentences":[{"text":"Is this","start":2.72,"end":3.12,"sentiment":"neutral","sentiment_score":0.21880286931991577}],"sentiment":"neutral","sentiment_score":0.21880286931991577,"channel":0,"num_words":2,"start":2.72,"end":3.12},{"sentences":[{"text":"morning.","start":2.96,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.18821635842323303}],"sentiment":"neutral","sentiment_score":0.18821635842323303,"channel":1,"num_words":1,"start":2.96,"end":3.1999998},{"sentences":[{"text":"Timothy?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.07269246876239777}],"sentiment":"neutral","sentiment_score":0.07269246876239777,"channel":0,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Is this something?","start":3.1999998,"end":4.1,"sentiment":"neutral","sentiment_score":0.04577663354575634},{"text":"Yes.","start":4.16,"end":4.48,"sentiment":"neutral","sentiment_score":0.08997176587581635},{"text":"Speaking.","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.07509559392929077}],"sentiment":"neutral","sentiment_score":0.06047945208847523,"channel":1,"num_words":5,"start":3.1999998,"end":4.98},{"sentences":[{"text":"This is Veronica from IT Financial.","start":5.12,"end":6.98,"sentiment":"neutral","sentiment_score":0.11618441715836525},{"text":"How are you this morning?","start":7.2,"end":8.26,"sentiment":"neutral","sentiment_score":0.13626719415187835}],"sentiment":"neutral","sentiment_score":0.12531295215541666,"channel":0,"num_words":11,"start":5.12,"end":8.26},{"sentences":[{"text":"Good.","start":8.639999,"end":8.88,"sentiment":"positive","sentiment_score":0.48916923999786377},{"text":"Thanks.","start":8.88,"end":9.38,"sentiment":"positive","sentiment_score":0.6278867721557617}],"sentiment":"positive","sentiment_score":0.5585280060768127,"channel":1,"num_words":2,"start":8.639999,"end":9.38},{"sentences":[{"text":"That's great.","start":9.92,"end":10.82,"sentiment":"positive","sentiment_score":0.7554781436920166},{"text":"I had you booked in to complete your annual review.","start":11.5199995,"end":14.32,"sentiment":"positive","sentiment_score":0.427439084649086},{"text":"Is now still a good time for you?","start":14.32,"end":15.885,"sentiment":"neutral","sentiment_score":0.2938811834901571}],"sentiment":"positive","sentiment_score":0.4068198300898075,"channel":0,"num_words":20,"start":9.92,"end":15.885},{"sentences":[{"text":"Yep.","start":17.965,"end":18.285,"sentiment":"neutral","sentiment_score":0.10127546638250352},{"text":"That's fine.","start":18.285,"end":19.105,"sentiment":"neutral","sentiment_score":0.15682005137205124}],"sentiment":"neutral","sentiment_score":0.13830518970886865,"channel":1,"num_words":3,"start":17.965,"end":19.105},{"sentences":[{"text":"Yep.","start":18.925,"end":19.245,"sentiment":"neutral","sentiment_score":0.10226672887802124},{"text":"Yeah.","start":19.245,"end":19.565,"sentiment":"neutral","sentiment_score":0.13064050674438477},{"text":"Okay.","start":19.565,"end":20.065,"sentiment":"neutral","sentiment_score":0.1895868480205536},{"text":"Perfect.","start":20.125,"end":20.625,"sentiment":"positive","sentiment_score":0.34463778138160706},{"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 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I","start":30.779999,"end":31.82,"sentiment":"neutral","sentiment_score":0.06448181718587875}],"sentiment":"neutral","sentiment_score":0.08043480132307325,"channel":0,"num_words":7,"start":29.9,"end":31.82},{"sentences":[{"text":"That's","start":31.81,"end":32.309998,"sentiment":"neutral","sentiment_score":0.04468643292784691}],"sentiment":"neutral","sentiment_score":0.04468643292784691,"channel":1,"num_words":1,"start":31.81,"end":32.309998},{"sentences":[{"text":"am speaking with the right person, could you just confirm your","start":31.82,"end":34.94,"sentiment":"neutral","sentiment_score":0.06223268434405327}],"sentiment":"neutral","sentiment_score":0.06223268434405327,"channel":0,"num_words":11,"start":31.82,"end":34.94},{"sentences":[{"text":"fine.","start":34.93,"end":35.43,"sentiment":"neutral","sentiment_score":0.06925851106643677}],"sentiment":"neutral","sentiment_score":0.06925851106643677,"channel":1,"num_words":1,"start":34.93,"end":35.43},{"sentences":[{"text":"full name, date of birth, and address for me, please?","start":34.94,"end":37.76,"sentiment":"neutral","sentiment_score":0.03623530995100736}],"sentiment":"neutral","sentiment_score":0.03623530995100736,"channel":0,"num_words":10,"start":34.94,"end":37.76},{"sentences":[{"text":"It's Timothy Short.","start":38.05,"end":39.51,"sentiment":"neutral","sentiment_score":0.008409357319275538},{"text":"Twenty nine twelve nine seventy three, and it's 87 Anderson Street, 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what I'll do is I'll get the team to email that to you to make it a bit quicker, especially with post to w a might take a little while.","start":459.62003,"end":467.0,"sentiment":"neutral","sentiment_score":0.2615332656329678},{"text":"So I'll get them to email that to you.","start":467.30002,"end":469.54,"sentiment":"neutral","sentiment_score":0.25375446180502575},{"text":"If you can just complete that when you have a moment, return it to us, and then we'll get that updated, for a 100% to your wife.","start":469.54,"end":477.155,"sentiment":"neutral","sentiment_score":0.2903646854338823}],"sentiment":"neutral","sentiment_score":0.27481410674312534,"channel":0,"num_words":68,"start":458.58002,"end":477.155},{"sentences":[{"text":"Yep.","start":476.86002,"end":477.36002,"sentiment":"neutral","sentiment_score":0.236545592546463}],"sentiment":"neutral","sentiment_score":0.236545592546463,"channel":1,"num_words":1,"start":476.86002,"end":477.36002},{"sentences":[{"text":"And I can get it 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were kind of focusing on being debt free, continue to enjoy life, maybe take out the caravan for a couple of trips.","start":526.065,"end":534.40497,"sentiment":"neutral","sentiment_score":0.10361155832652003}],"sentiment":"neutral","sentiment_score":0.08616753830079069,"channel":0,"num_words":47,"start":518.45,"end":534.40497},{"sentences":[{"text":"Yes.","start":535.21,"end":535.53,"sentiment":"neutral","sentiment_score":0.1157972887158394},{"text":"Still, sir.","start":535.53,"end":536.35004,"sentiment":"neutral","sentiment_score":0.12106161937117577}],"sentiment":"neutral","sentiment_score":0.11930684248606364,"channel":1,"num_words":3,"start":535.21,"end":536.35004},{"sentences":[{"text":"Still the 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difference between the two, is, mainly when it comes through a asset allocation point of view, so how your money is invested.","start":759.15,"end":768.05,"sentiment":"neutral","sentiment_score":0.03259523127538463},{"text":"And in a high growth portfolio, typically, we see 90% invested in what we would call your growth assets.","start":768.975,"end":778.595,"sentiment":"neutral","sentiment_score":0.09185832405560895},{"text":"Now these are things like Australian shares, international shares, as well as property and commodities, and that is what's going to maximize your returns in those long term.","start":779.135,"end":791.72003,"sentiment":"neutral","sentiment_score":0.21094455383718014}],"sentiment":"neutral","sentiment_score":0.08984524936403898,"channel":0,"num_words":123,"start":742.095,"end":791.72003},{"sentences":[{"text":"And then about 10% in more defensive assets like cash, gold, fixed interest, for 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around.","start":818.92004,"end":830.985,"sentiment":"neutral","sentiment_score":0.10202583534022172}],"sentiment":"neutral","sentiment_score":0.09173733302288585,"channel":0,"num_words":90,"start":792.02,"end":830.985},{"sentences":[{"text":"Or in a growth portfolio, we do see about six years or so.","start":831.525,"end":835.945,"sentiment":"neutral","sentiment_score":0.06339171815377015},{"text":"Does","start":836.565,"end":836.805,"sentiment":"neutral","sentiment_score":0.08496442437171936}],"sentiment":"neutral","sentiment_score":0.06493262574076653,"channel":0,"num_words":14,"start":831.525,"end":836.805},{"sentences":[{"text":"Yep.","start":836.64,"end":837.14,"sentiment":"neutral","sentiment_score":0.10550319403409958}],"sentiment":"neutral","sentiment_score":0.10550319403409958,"channel":1,"num_words":1,"start":836.64,"end":837.14},{"sentences":[{"text":"that make sense?","start":836.805,"end":837.78503,"sentiment":"neutral","sentiment_score":0.11954273283481598}],"sentiment":"neutral","sentiment_score":0.11954273283481598,"channel":0,"num_words":3,"start":836.805,"end":837.78503},{"sentences":[{"text":"Yes.","start":838.16003,"end":838.66003,"sentiment":"neutral","sentiment_score":0.1359815001487732}],"sentiment":"neutral","sentiment_score":0.1359815001487732,"channel":1,"num_words":1,"start":838.16003,"end":838.66003},{"sentences":[{"text":"Yeah.","start":838.9,"end":839.14,"sentiment":"neutral","sentiment_score":0.19276170432567596},{"text":"Perfect.","start":839.14,"end":839.64,"sentiment":"neutral","sentiment_score":0.08914999663829803},{"text":"Now would you say that you are comfortable remaining in a high growth, or do you feel like you would like to look at reducing it down to a growth portfolio?","start":839.94,"end":848.76,"sentiment":"neutral","sentiment_score":-0.016371197037158475}],"sentiment":"neutral","sentiment_score":-0.006836224460240566,"channel":0,"num_words":33,"start":838.9,"end":848.76},{"sentences":[{"text":"No.","start":849.555,"end":849.795,"sentiment":"neutral","sentiment_score":-0.2477405071258545},{"text":"I wanna stay in the high price.","start":849.795,"end":851.41504,"sentiment":"neutral","sentiment_score":-0.2235445295061384}],"sentiment":"neutral","sentiment_score":-0.2265690267086029,"channel":1,"num_words":8,"start":849.555,"end":851.41504},{"sentences":[{"text":"Yep.","start":850.995,"end":851.495,"sentiment":"neutral","sentiment_score":0.28926438093185425},{"text":"Great.","start":851.795,"end":852.19495,"sentiment":"positive","sentiment_score":0.7029339075088501},{"text":"Perfect.","start":852.19495,"end":852.69495,"sentiment":"positive","sentiment_score":0.7812274098396301},{"text":"We can definitely do that.","start":852.83496,"end":854.77496,"sentiment":"positive","sentiment_score":0.7561908602714539},{"text":"Now if you have the option of accessing your emails now that for me, that would be great.","start":856.035,"end":861.57495,"sentiment":"positive","sentiment_score":0.4418364365895589}],"sentiment":"positive","sentiment_score":0.5195167637788333,"channel":0,"num_words":26,"start":850.995,"end":861.57495},{"sentences":[{"text":"Now we have just changed to any software, so it might look a little bit different to what it usually does.","start":862.035,"end":867.47003,"sentiment":"neutral","sentiment_score":0.11439962543192364},{"text":"And to make it easy for you, if you can open your inbox, before clicking on the link, there will be some attachments attached.","start":868.57,"end":879.07,"sentiment":"neutral","sentiment_score":0.1913583381101489},{"text":"And if you can just let me know the first ones, and then we can go kinda with the order that you can see.","start":879.875,"end":885.015,"sentiment":"neutral","sentiment_score":0.1166425080349048}],"sentiment":"neutral","sentiment_score":0.14194800639929978,"channel":0,"num_words":69,"start":862.035,"end":885.015},{"sentences":[{"text":"Yep.","start":887.175,"end":887.675,"sentiment":"neutral","sentiment_score":0.07806071639060974},{"text":"Is that just the signature request one?","start":888.615,"end":891.035,"sentiment":"neutral","sentiment_score":0.043782392250640054}],"sentiment":"neutral","sentiment_score":0.04806718276813626,"channel":1,"num_words":8,"start":887.175,"end":891.035},{"sentences":[{"text":"Just before you click on that.","start":891.715,"end":892.995,"sentiment":"neutral","sentiment_score":0.030763742203513782},{"text":"So if you click on that link, it will take you to the documents that signing.","start":892.995,"end":897.07,"sentiment":"neutral","sentiment_score":0.060957153560593724},{"text":"But before you do it, you should be able to scroll down a little bit more before you click on the link, and there should be a couple of attachments.","start":897.17,"end":904.35,"sentiment":"neutral","sentiment_score":0.05916660372167826},{"text":"You should be able to see, like, a Vanguard index chart and a super 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you?","start":911.985,"end":914.085,"sentiment":"neutral","sentiment_score":0.07753467559814453}],"sentiment":"neutral","sentiment_score":0.09467357881367207,"channel":0,"num_words":10,"start":909.665,"end":914.085},{"sentences":[{"text":"The services card?","start":915.685,"end":917.065,"sentiment":"neutral","sentiment_score":0.03600018781920274}],"sentiment":"neutral","sentiment_score":0.03600018781920274,"channel":1,"num_words":3,"start":915.685,"end":917.065},{"sentences":[{"text":"Yes.","start":917.825,"end":918.305,"sentiment":"neutral","sentiment_score":0.0746961236000061},{"text":"Yep.","start":918.305,"end":918.805,"sentiment":"neutral","sentiment_score":0.08261826634407043},{"text":"So the services guided is an updated financial services guide.","start":918.865,"end":923.685,"sentiment":"neutral","sentiment_score":0.09592401832342148},{"text":"We've had a bit of changes in our marketing, which is great.","start":924.47,"end":927.02997,"sentiment":"neutral","sentiment_score":0.14885993860661983},{"text":"So it's it's very similar to the old ones.","start":927.02997,"end":929.44995,"sentiment":"neutral","sentiment_score":0.0928866681125429}],"sentiment":"neutral","sentiment_score":0.11329860149910956,"channel":0,"num_words":33,"start":917.825,"end":929.44995},{"sentences":[{"text":"Just basically everything that you know, it's important for you to know about us.","start":929.50995,"end":933.85,"sentiment":"neutral","sentiment_score":0.09341804470334734},{"text":"So it's just a little bit of an updated version.","start":934.14996,"end":936.31,"sentiment":"neutral","sentiment_score":0.07125739008188248},{"text":"So the services guide is just a condensed version.","start":936.31,"end":939.37,"sentiment":"neutral","sentiment_score":0.08234180675612555},{"text":"It just breaks down the team, 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want","start":944.445,"end":945.645,"sentiment":"neutral","sentiment_score":0.05201871786266565}],"sentiment":"neutral","sentiment_score":0.05201871786266565,"channel":0,"num_words":4,"start":944.445,"end":945.645},{"sentences":[{"text":"Okay.","start":945.535,"end":946.035,"sentiment":"neutral","sentiment_score":0.05819114297628403}],"sentiment":"neutral","sentiment_score":0.05819114297628403,"channel":1,"num_words":1,"start":945.535,"end":946.035},{"sentences":[{"text":"to scroll down to page let me see.","start":945.645,"end":950.445,"sentiment":"neutral","sentiment_score":0.039529280038550496},{"text":"I think it's page 10.","start":950.445,"end":951.905,"sentiment":"neutral","sentiment_score":0.06907235011458397},{"text":"You should also see a photo of myself there, and sometimes it is nice to put a face to the 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it","start":964.815,"end":965.475,"sentiment":"neutral","sentiment_score":0.2895507663488388}],"sentiment":"neutral","sentiment_score":0.2895507663488388,"channel":1,"num_words":2,"start":964.815,"end":965.475},{"sentences":[{"text":"Perfect.","start":965.145,"end":965.645,"sentiment":"positive","sentiment_score":0.4108859896659851},{"text":"So a little bit about us here for you","start":966.90497,"end":968.745,"sentiment":"neutral","sentiment_score":0.14866558379597133}],"sentiment":"neutral","sentiment_score":0.17488762438297273,"channel":0,"num_words":10,"start":965.145,"end":968.745},{"sentences":[{"text":"now.","start":968.65497,"end":969.15497,"sentiment":"neutral","sentiment_score":0.048492178320884705}],"sentiment":"neutral","sentiment_score":0.048492178320884705,"channel":1,"num_words":1,"start":968.65497,"end":969.15497},{"sentences":[{"text":"so you can obviously have a bit of a read over that in your own 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haven't","start":1018.875,"end":1019.515,"sentiment":"neutral","sentiment_score":-0.05249731366833051}],"sentiment":"neutral","sentiment_score":-0.02541517626580804,"channel":0,"num_words":43,"start":1005.66,"end":1019.515},{"sentences":[{"text":"Okay.","start":1019.39496,"end":1019.89496,"sentiment":"neutral","sentiment_score":-0.023834675550460815}],"sentiment":"neutral","sentiment_score":-0.023834675550460815,"channel":1,"num_words":1,"start":1019.39496,"end":1019.89496},{"sentences":[{"text":"been able to get updated figures there for you, but part of the signature attachment, there is an updated version.","start":1019.515,"end":1026.495,"sentiment":"neutral","sentiment_score":0.00698619969189167},{"text":"So I will then send that off to Cbus, and we can do a bit of an updated research for you just to 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otherwise,","start":1039.37,"end":1040.03,"sentiment":"neutral","sentiment_score":-0.03743115719407797}],"sentiment":"neutral","sentiment_score":0.14095862882418764,"channel":0,"num_words":18,"start":1033.93,"end":1040.03},{"sentences":[{"text":"Yep.","start":1039.6399,"end":1039.96,"sentiment":"neutral","sentiment_score":0.00018943846225738523},{"text":"No problem.","start":1039.96,"end":1040.62,"sentiment":"neutral","sentiment_score":-0.014470705762505531}],"sentiment":"neutral","sentiment_score":-0.009583991020917892,"channel":1,"num_words":3,"start":1039.6399,"end":1040.62},{"sentences":[{"text":"it is, you know, approximately about 12,000.","start":1040.25,"end":1043.05,"sentiment":"neutral","sentiment_score":-0.03598909133246967},{"text":"Could be a little bit more, could be a little bit less, obviously, since we did the research there for you.","start":1043.29,"end":1047.7101,"sentiment":"neutral","sentiment_score":-0.13824711101395742},{"text":"And can I check with you as well that you have contributions going into Cbus, or have","start":1048.0901,"end":1054.875,"sentiment":"neutral","sentiment_score":-0.02462378067567068}],"sentiment":"neutral","sentiment_score":-0.07941593871348435,"channel":0,"num_words":45,"start":1040.25,"end":1054.875},{"sentences":[{"text":"No.","start":1054.865,"end":1055.365,"sentiment":"neutral","sentiment_score":-0.08932150900363922}],"sentiment":"neutral","sentiment_score":-0.08932150900363922,"channel":1,"num_words":1,"start":1054.865,"end":1055.365},{"sentences":[{"text":"they been changed?","start":1054.875,"end":1055.935,"sentiment":"neutral","sentiment_score":-0.08722936362028122}],"sentiment":"neutral","sentiment_score":-0.08722936362028122,"channel":0,"num_words":3,"start":1054.875,"end":1055.935},{"sentences":[{"text":"No.","start":1056.45,"end":1056.77,"sentiment":"neutral","sentiment_score":-0.23899343609809875},{"text":"I don't have any contributions going in 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happen.","start":1066.7,"end":1086.025,"sentiment":"neutral","sentiment_score":-0.17921116189011987},{"text":"So we wanna make sure that the insurance stays in place.","start":1086.025,"end":1089.085,"sentiment":"neutral","sentiment_score":0.07482673735781149}],"sentiment":"neutral","sentiment_score":-0.12517391270901784,"channel":0,"num_words":83,"start":1059.435,"end":1089.085},{"sentences":[{"text":"Yep.","start":1089.8,"end":1090.3,"sentiment":"neutral","sentiment_score":0.1537870466709137}],"sentiment":"neutral","sentiment_score":0.1537870466709137,"channel":1,"num_words":1,"start":1089.8,"end":1090.3},{"sentences":[{"text":"So I will go so before I ask you to change anything, I will go and just get that updated research for you.","start":1090.665,"end":1096.08,"sentiment":"neutral","sentiment_score":0.12359731709179671},{"text":"I will triple check the amount and everything like that,","start":1096.08,"end":1099.0599,"sentiment":"neutral","sentiment_score":0.09396038055419922}],"sentiment":"neutral","sentiment_score":0.11461642723191869,"channel":0,"num_words":33,"start":1090.665,"end":1099.0599},{"sentences":[{"text":"Yep.","start":1099.625,"end":1100.125,"sentiment":"neutral","sentiment_score":0.097647987306118}],"sentiment":"neutral","sentiment_score":0.097647987306118,"channel":1,"num_words":1,"start":1099.625,"end":1100.125},{"sentences":[{"text":"and and then I'll put together a new SOA, so a new strategy paper for you to see if we need to change and roll over some money.","start":1100.0,"end":1109.04,"sentiment":"neutral","sentiment_score":0.11157463876796621},{"text":"Because if there are a little bit more or less in C bus, if you haven't had contributions going, it's probably a good amount.","start":1109.04,"end":1115.195,"sentiment":"neutral","sentiment_score":0.042847757770990334},{"text":"But I do like to just check as well because we wanna 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just","start":1379.37,"end":1385.29,"sentiment":"neutral","sentiment_score":0.17630856958302585}],"sentiment":"neutral","sentiment_score":0.18489347770810127,"channel":0,"num_words":24,"start":1377.77,"end":1385.29},{"sentences":[{"text":"Yep.","start":1385.055,"end":1385.555,"sentiment":"neutral","sentiment_score":0.08895367383956909}],"sentiment":"neutral","sentiment_score":0.08895367383956909,"channel":1,"num_words":1,"start":1385.055,"end":1385.555},{"sentences":[{"text":"ask you to draw a signature.","start":1385.29,"end":1387.07,"sentiment":"neutral","sentiment_score":0.0768299972017606}],"sentiment":"neutral","sentiment_score":0.0768299972017606,"channel":0,"num_words":6,"start":1385.29,"end":1387.07},{"sentences":[{"text":"Yeah.","start":1387.72,"end":1387.96,"sentiment":"neutral","sentiment_score":0.05146447941660881}],"sentiment":"neutral","sentiment_score":0.05146447941660881,"channel":1,"num_words":1,"start":1387.72,"end":1387.96},{"sentences":[{"text":"A 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it oh, great.","start":1388.615,"end":1389.8949,"sentiment":"neutral","sentiment_score":0.2987525798380375},{"text":"Perfect.","start":1389.8949,"end":1390.375,"sentiment":"positive","sentiment_score":0.5645025968551636},{"text":"Thank you so much.","start":1390.375,"end":1391.6749,"sentiment":"positive","sentiment_score":0.6436095088720322},{"text":"So like I said, Tim, I will go and do the research for you on your investment, also see, you know, if we wanna change your contributions and stuff like that.","start":1392.215,"end":1400.635,"sentiment":"neutral","sentiment_score":0.2478324569040729}],"sentiment":"neutral","sentiment_score":0.3004189278930426,"channel":0,"num_words":40,"start":1388.615,"end":1400.635},{"sentences":[{"text":"Yep.","start":1401.175,"end":1401.675,"sentiment":"neutral","sentiment_score":0.11248129606246948}],"sentiment":"neutral","sentiment_score":0.11248129606246948,"channel":1,"num_words":1,"start":1401.175,"end":1401.675},{"sentences":[{"text":"But before I let you go, otherwise, do you have any other questions or need","start":1401.2001,"end":1405.12,"sentiment":"neutral","sentiment_score":0.044774335746963816}],"sentiment":"neutral","sentiment_score":0.044774335746963816,"channel":0,"num_words":15,"start":1401.2001,"end":1405.12},{"sentences":[{"text":"No.","start":1405.015,"end":1405.255,"sentiment":"neutral","sentiment_score":-0.02165493741631508}],"sentiment":"neutral","sentiment_score":-0.02165493741631508,"channel":1,"num_words":1,"start":1405.015,"end":1405.255},{"sentences":[{"text":"anything","start":1405.12,"end":1405.4401,"sentiment":"neutral","sentiment_score":-0.013690531253814696}],"sentiment":"neutral","sentiment_score":-0.013690531253814696,"channel":0,"num_words":1,"start":1405.12,"end":1405.4401},{"sentences":[{"text":"I'm","start":1405.255,"end":1405.495,"sentiment":"neutral","sentiment_score":-0.03825990855693817}],"sentiment":"neutral","sentiment_score":-0.03825990855693817,"channel":1,"num_words":1,"start":1405.255,"end":1405.495},{"sentences":[{"text":"else","start":1405.4401,"end":1405.68,"sentiment":"neutral","sentiment_score":0.015552110970020294}],"sentiment":"neutral","sentiment_score":0.015552110970020294,"channel":0,"num_words":1,"start":1405.4401,"end":1405.68},{"sentences":[{"text":"happy","start":1405.495,"end":1405.995,"sentiment":"neutral","sentiment_score":0.13100765645503998}],"sentiment":"neutral","sentiment_score":0.13100765645503998,"channel":1,"num_words":1,"start":1405.495,"end":1405.995},{"sentences":[{"text":"from us?","start":1405.68,"end":1406.4,"sentiment":"neutral","sentiment_score":0.15750695765018463},{"text":"Yeah.","start":1406.4,"end":1406.9,"sentiment":"neutral","sentiment_score":0.3133624196052551}],"sentiment":"neutral","sentiment_score":0.2094587783018748,"channel":0,"num_words":3,"start":1405.68,"end":1406.9},{"sentences":[{"text":"happy","start":1406.855,"end":1407.175,"sentiment":"positive","sentiment_score":0.5559221506118774}],"sentiment":"positive","sentiment_score":0.5559221506118774,"channel":1,"num_words":1,"start":1406.855,"end":1407.175},{"sentences":[{"text":"Perfect.","start":1406.96,"end":1407.46,"sentiment":"positive","sentiment_score":0.5424374341964722}],"sentiment":"positive","sentiment_score":0.5424374341964722,"channel":0,"num_words":1,"start":1406.96,"end":1407.46},{"sentences":[{"text":"with the way I'm still going.","start":1407.175,"end":1408.635,"sentiment":"positive","sentiment_score":0.5305563161770502}],"sentiment":"positive","sentiment_score":0.5305563161770502,"channel":1,"num_words":6,"start":1407.175,"end":1408.635},{"sentences":[{"text":"Great.","start":1408.96,"end":1409.36,"sentiment":"positive","sentiment_score":0.6391741037368774},{"text":"Perfect.","start":1409.36,"end":1409.86,"sentiment":"positive","sentiment_score":0.5728456377983093},{"text":"I will also get the team to email you those beneficiary forms so we can get that changed to Kylie as well.","start":1410.08,"end":1415.415,"sentiment":"positive","sentiment_score":0.35885244472460315}],"sentiment":"positive","sentiment_score":0.37944889689485234,"channel":0,"num_words":24,"start":1408.96,"end":1415.415},{"sentences":[{"text":"Yep.","start":1415.81,"end":1416.2101,"sentiment":"neutral","sentiment_score":0.08152070641517639},{"text":"No worries.","start":1416.2101,"end":1416.9501,"sentiment":"neutral","sentiment_score":0.11115248873829842}],"sentiment":"neutral","sentiment_score":0.10127522796392441,"channel":1,"num_words":3,"start":1415.81,"end":1416.9501},{"sentences":[{"text":"Perfect.","start":1416.6951,"end":1417.1951,"sentiment":"neutral","sentiment_score":0.24725303053855896},{"text":"Now it might take me a couple of weeks to get this research sorted.","start":1417.495,"end":1420.535,"sentiment":"neutral","sentiment_score":0.04946884206063779},{"text":"But as soon as I do, I will give you a call and run through the changes, and then you can let me know what you would like to do.","start":1420.535,"end":1426.0751,"sentiment":"neutral","sentiment_score":0.1682692556331555}],"sentiment":"neutral","sentiment_score":0.13306432196404785,"channel":0,"num_words":45,"start":1416.6951,"end":1426.0751},{"sentences":[{"text":"Yep.","start":1426.37,"end":1426.61,"sentiment":"neutral","sentiment_score":0.23430690169334412},{"text":"That's fine.","start":1426.61,"end":1427.385,"sentiment":"positive","sentiment_score":0.4292879104614258}],"sentiment":"positive","sentiment_score":0.36429424087206524,"channel":1,"num_words":3,"start":1426.37,"end":1427.385},{"sentences":[{"text":"Perfect.","start":1427.8469,"end":1428.327,"sentiment":"positive","sentiment_score":0.7914758920669556},{"text":"Well, thank you so much for your time today, team, and I hope you have a lovely rest of your day.","start":1428.327,"end":1432.827,"sentiment":"positive","sentiment_score":0.8164166921661014}],"sentiment":"positive","sentiment_score":0.815283019434322,"channel":0,"num_words":22,"start":1427.8469,"end":1432.827},{"sentences":[{"text":"No worries.","start":1432.985,"end":1433.545,"sentiment":"positive","sentiment_score":0.43461209535598755},{"text":"Thank you.","start":1433.545,"end":1434.205,"sentiment":"positive","sentiment_score":0.7158993780612946}],"sentiment":"positive","sentiment_score":0.575255736708641,"channel":1,"num_words":4,"start":1432.985,"end":1434.205},{"sentences":[{"text":"Thanks.","start":1434.407,"end":1434.807,"sentiment":"positive","sentiment_score":0.6648014783859253},{"text":"Bye.","start":1434.807,"end":1435.307,"sentiment":"positive","sentiment_score":0.41466784477233887}],"sentiment":"positive","sentiment_score":0.5397346615791321,"channel":0,"num_words":2,"start":1434.407,"end":1435.307},{"sentences":[{"text":"Bye.","start":1435.385,"end":1435.885,"sentiment":"neutral","sentiment_score":-0.11092305183410645}],"sentiment":"neutral","sentiment_score":-0.11092305183410645,"channel":1,"num_words":1,"start":1435.385,"end":1435.885}]},"summary":{"result":"success","short":"Representatives from IT Financial speak with Timothy about his annual review and personal information. They discuss his income, assets, health and lifestyle, property ownership, and beneficiaries. The speakers also touch on risk profiles and updating risk profiles questionnaire. They explain the benefits of beneficiaries for children over 18, beneficiaries for children over 18, and the tax benefits for beneficiaries. The risk profile is all up to the customer's discretion, and the agent will update their retirement plan and provide a new strategy paper. They will review the customer's investment portfolio and make recommendations for the best options. The agent will update the customer's retirement plan and send a compliance and tax file number form."},"intents":{"segments":[{"text":"And just to confirm I That's am speaking with the right person, could you just confirm your fine. full name, date of birth, and address for me, please? It's Timothy Short.","start_word":85,"end_word":115,"intents":[{"intent":"Confirm identity","confidence_score":0.40069175},{"intent":"Confirm identity","confidence_score":0.18282671},{"intent":"Confirm information","confidence_score":0.017595533},{"intent":"Confirm eligibility","confidence_score":0.0003389386},{"intent":"Confirm identity","confidence_score":0.69279176}]},{"text":"Twenty nine twelve nine seventy three, and it's 87 Anderson Street, Webberton, Yep. WA.","start_word":116,"end_word":129,"intents":[{"intent":"Provide contact information","confidence_score":0.0018847099}]},{"text":"Now just before I do jump into the annual review there with you, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on, or it's just a bit of an the usual update? No.","start_word":161,"end_word":217,"intents":[{"intent":"Discuss concerns","confidence_score":0.0030073745}]},{"text":"I'm happy with everything at the moment. Yep.","start_word":218,"end_word":225,"intents":[{"intent":"Assess current situation","confidence_score":0.0000402775}]},{"text":"Now, Timothy, I have just sent you an email with some documents to run through with you. Do you have access to emails at the moment or not really right Yes. now?","start_word":227,"end_word":258,"intents":[{"intent":"Access documents","confidence_score":0.14930518}]},{"text":"I do have here as well expenses and saving expenses about $1,000 a week and saves roughly 500 a week. Yep.","start_word":697,"end_word":717,"intents":[{"intent":"Provide income information","confidence_score":0.0000846472}]},{"text":"But, otherwise, typically, children over 18 can be taxed up to 302% medical levy for any benefits they receive if something were to happen to you. Okay.","start_word":963,"end_word":989,"intents":[{"intent":"Discuss tax consequences","confidence_score":0.005988813}]},{"text":"I will get those resent through you. Because it is making a legal nomination, I will just need you to complete the forms again. Do you have access to a printer at all, or do you prefer Yes.","start_word":1068,"end_word":1105,"intents":[{"intent":"Provide form completion","confidence_score":0.013876562}]},{"text":"So what I'll do is I'll get the team to email that to you to make it a bit quicker, especially with post to w a might take a little while. So I'll get them to email that to you. If you can just complete that when you have a moment, return it to us, and then we'll get that updated, for a 100% to your wife. Yep.","start_word":1113,"end_word":1180,"intents":[{"intent":"Request email","confidence_score":0.026373863},{"intent":"Confirm email","confidence_score":0.003355355}]},{"text":"And you're still happy with the binding, non lapsing nominations, obviously, making sure that the trustee are bound to follow your wishes and that it stays in place until you decide to change it. Yep.","start_word":1201,"end_word":1235,"intents":[{"intent":"Confirm trust","confidence_score":0.0063750567}]},{"text":"Now next is just to run through another updated risk profile questionnaire with you there, Tim, just to see if anything has changed and if we need to make any changes to your risk profile.","start_word":1350,"end_word":1384,"intents":[{"intent":"Update risks","confidence_score":0.00025587121}]},{"text":"And at the moment, when do you think you would like to start accessing your super or retiring? Do you have any idea?","start_word":1424,"end_word":1446,"intents":[{"intent":"Access super and retire","confidence_score":0.05238241}]},{"text":"So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to keep up with the rising prices? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk when it comes to your superannuation? Probably the high, moderate.","start_word":1494,"end_word":1567,"intents":[{"intent":"Assess inflation risk","confidence_score":0.062311895}]},{"text":"Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start_word":1572,"end_word":1604,"intents":[{"intent":"Ask about portfolio value","confidence_score":0.0012253302}]},{"text":"Now if you notice your superannuation fluctuate a little bit or any of your other assets, how did that make you feel? Would you think, you know, optimistic about potential future opportunities or a bit more cautious, not wanting to make further investments or concerned or highly anxious? Not be optimistic.","start_word":1678,"end_word":1728,"intents":[{"intent":"Evaluate superannuation","confidence_score":0.0031786717}]},{"text":"And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. No.","start_word":1732,"end_word":1752,"intents":[{"intent":"Consider loan","confidence_score":0.3021283},{"intent":"Determine investment decision","confidence_score":0.0055377707},{"intent":"Determine investment strategy","confidence_score":0.06582651},{"intent":"Determine investment strategy","confidence_score":0.048798032}]},{"text":"In a high growth portfolio, we do wanna allow a minimum of eight years ideally until retirement, making sure you have enough time for those fluctuations to come back around. Or in a growth portfolio, we do see about six years or so. Does Yep.","start_word":1993,"end_word":2037,"intents":[{"intent":"Determine investment duration","confidence_score":0.12701423},{"intent":"Discuss retirement time","confidence_score":0.00031975636}]},{"text":"Now if you have the option of accessing your emails now that for me, that would be great.","start_word":2091,"end_word":2108,"intents":[{"intent":"Access emails","confidence_score":0.5123545},{"intent":"Access emails","confidence_score":0.7453671}]},{"text":"And to make it easy for you, if you can open your inbox, before clicking on the link, there will be some attachments attached. And if you can just let me know the first ones, and then we can go kinda with the order that you can see. Yep.","start_word":2130,"end_word":2178,"intents":[{"intent":"Open inbox","confidence_score":0.29714328}]},{"text":"Is that just the signature request one? Just before you click on that. So if you click on that link, it will take you to the documents that signing. But before you do it, you should be able to scroll down a little bit more before you click on the link, and there should be a couple of attachments. You should be able to see, like, a Vanguard index chart and a super insurance Yep. summary.","start_word":2179,"end_word":2254,"intents":[{"intent":"Check documents","confidence_score":0.033454258}]},{"text":"So the services guided is an updated financial services guide. We've had a bit of changes in our marketing, which is great. So it's it's very similar to the old ones. Just basically everything that you know, it's important for you to know about us. So it's just a little bit of an updated version.","start_word":2269,"end_word":2323,"intents":[{"intent":"Understand changes in marketing","confidence_score":0.005679337}]},{"text":"to scroll down to page let me see. I think it's page 10. You should also see a photo of myself there, and sometimes it is nice to put a face to the voice.","start_word":2353,"end_word":2386,"intents":[{"intent":"Scroll down","confidence_score":0.21299607}]},{"text":"Just a bit bit of an updated marketing material there for you.","start_word":2420,"end_word":2431,"intents":[{"intent":"Update marketing material","confidence_score":0.37234554}]},{"text":"If you can open that one for me. Yep. Sorry.","start_word":2504,"end_word":2513,"intents":[{"intent":"Open insurance summary","confidence_score":0.33306617}]},{"text":"And can I check with you as well that you have contributions going into Cbus, or have No.","start_word":2651,"end_word":2668,"intents":[{"intent":"Check contributions","confidence_score":0.27580094}]},{"text":"I will triple check the amount and everything like that, Yep.","start_word":2788,"end_word":2798,"intents":[{"intent":"Check and plan for changes","confidence_score":0.0018094056}]},{"text":"And I do want to, as well, if you're happy for me to do so, do a bit of a review of your investment because things are always, you know, continuously changing, and it is important to review them, especially with everything going on in the market at the moment, making sure that Yep. we have the best options.","start_word":3113,"end_word":3171,"intents":[{"intent":"Review investment","confidence_score":0.102104485},{"intent":"Review portfolio","confidence_score":0.0058927475}]},{"text":"So I would like to look at changing that one.","start_word":3195,"end_word":3204,"intents":[{"intent":"Change investment","confidence_score":0.7834699}]},{"text":"Now if you then wanna click on the signature link now for me, and I will just kind of show you the documents that it will just ask you to sign if you're happy to do so. So you will see one that is an ongoing service agreement. Yep.","start_word":3482,"end_word":3530,"intents":[{"intent":"Assist with documentation","confidence_score":0.000008141213},{"intent":"Show document","confidence_score":0.0051830346},{"intent":"Provide information","confidence_score":0.04961125}]},{"text":"So you will see one that is an ongoing service agreement. Yep.","start_word":3519,"end_word":3530,"intents":[{"intent":"Explain service agreement","confidence_score":0.012342035}]},{"text":"Thank you so much. So like I said, Tim, I will go and do the research for you on your investment, also see, you know, if we wanna change your contributions and stuff like that. Yep. But before I let you go, otherwise, do you have any other questions or need No. anything I'm else happy from us? Yeah.","start_word":3710,"end_word":3768,"intents":[{"intent":"Thank and support","confidence_score":0.000007463285}]},{"text":"I will also get the team to email you those beneficiary forms so we can get that changed to Kylie as well. Yep.","start_word":3779,"end_word":3801,"intents":[{"intent":"Send beneficiary forms","confidence_score":0.22225118}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Good Is this morning. Timothy? Is this something? Yes. Speaking. This is Veronica from IT Financial. How are you this morning?","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.12881124019622803},{"text":"Good. Thanks. That's great. I had you booked in to complete your annual review.","start_word":24,"end_word":37,"sentiment":"positive","sentiment_score":0.529941737651825},{"text":"Is now still a good time for you? Yep. That's fine. Yep. Yeah. Okay.","start_word":38,"end_word":51,"sentiment":"neutral","sentiment_score":0.20150108635425568},{"text":"Perfect.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.34463778138160706},{"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. Yeah. Yep. Perfect. And just to confirm I That's am speaking with the right person, could you just confirm your fine. full name, date of birth, and address for me, please? It's Timothy Short. Twenty nine twelve nine seventy three, and it's 87 Anderson Street, Webberton, Yep. WA.","start_word":53,"end_word":129,"sentiment":"neutral","sentiment_score":0.0433916337788105},{"text":"Great.","start_word":130,"end_word":130,"sentiment":"positive","sentiment_score":0.4206417798995972},{"text":"Have yep.","start_word":131,"end_word":132,"sentiment":"neutral","sentiment_score":0.29581546783447266},{"text":"Perfect. That's exactly what I have here.","start_word":133,"end_word":139,"sentiment":"positive","sentiment_score":0.5255522131919861},{"text":"And how's your morning been so far? Been busy or just kind of getting started?","start_word":140,"end_word":154,"sentiment":"neutral","sentiment_score":0.11322090774774551},{"text":"Glad just getting started.","start_word":155,"end_word":158,"sentiment":"positive","sentiment_score":0.4020061492919922},{"text":"Yeah. Perfect. Now just before I do jump into the annual review there with you, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus on, or it's just a bit of an the usual update? No. I'm happy with everything at the moment. Yep. Perfect. Now, Timothy, I have just sent you an email with some documents to run through with you. Do you have access to emails at the moment or not really right Yes. now? Yep. Yep. Okay. Perfect. So I'll get you to access access those shortly and run through a couple of those documents. But before I do, I'll just like to run through a bit of an updated fact find to see if there's anything that's changed in your life that requires us to make any changes to your advice at all. Yep. Sorry. No. Nothing changed. Yeah. It's still be the same Pretty. as last year. Yeah. Great. Perfect. So, obviously, no changes in your marital status or No. no financial dependence or anything like that? Nope. No. Not well, no. That should be No. all the same. Now it doesn't look like I have a next up team on file for you. Yep. Who would you like to nominate, and it can be anybody? I'll just put my wife. Yep. Perfect. And just their name, please. Kylie, Kylie. And how would you spell that? k y l I e. Perfect. Same last name as you? Yes. Yes. Perfect. And best contact number, please. 0407994022. 4022.","start_word":159,"end_word":433,"sentiment":"neutral","sentiment_score":0.010619608702307395},{"text":"Great. Perfect. Thank you so much for that.","start_word":434,"end_word":441,"sentiment":"positive","sentiment_score":0.5829641222953796},{"text":"Occupation wise, no changes, all the same as well? Yes. Yes. Perfect. I do have here about a 130,000 income from the truck driving. Well, I'm actually trying to obvious yeah. It's changed because I'm I'm in mining now. So Okay. Let me update that. So are you still doing truck driving, but are there are there mines? no. No. No. And what do you do at their mine site now? It's a test pump operator. Yeah. Okay. Operator. Yeah. And do you do, like, a different rotation for it? It's two weeks on, two weeks off. Oh, that's pretty good. Yeah. And how long have you been doing that for? Four years now. Oh, yeah. Okay. Perfect. And who's your employer? MacArthur McCarthy. Perfect. Drilling and Pumping. Drilling and pumping. And working full time? Yeah. Great. Perfect. Yes. Income, did that change a little bit as well then? A little bit. It's probably Yeah. about 140. Oh, yep. Perfect. So I just A little bit more. And do you get any, like, bonuses or overtime or stuff like that or just kind of, like, the Yes. the yep. And is that on top of the $1.40? It's sort of included, pretty Included. much. Okay. Okay.","start_word":442,"end_word":647,"sentiment":"neutral","sentiment_score":0.04792171620845216},{"text":"Perfect.","start_word":648,"end_word":648,"sentiment":"positive","sentiment_score":0.4512120485305786},{"text":"And your employer, they just pay that standard 12% contribution into super, do they? Like, you don't Yes. have a special Yeah.","start_word":649,"end_word":670,"sentiment":"neutral","sentiment_score":0.05965267866849899},{"text":"Perfect. That's great.","start_word":671,"end_word":673,"sentiment":"positive","sentiment_score":0.6500820517539978},{"text":"And you don't make any additional contributions just out No. of your No. employer? Yep. Perfect. No. I don't. No. That's all good. I do have here as well expenses and saving expenses about $1,000 a week and saves roughly 500 a week. Yep. Yep. Perfect. Now any changes to your assets, I have five cars combined value at about fifth 80,000. Yeah. That'd be about right. Yeah. About 30,000 owing. Oh, has that changed? No. That's about the same. But same. Perfect. Also, caravan worth about 50,000. Yes. Yep. Savings, I have here about 10,000. It's about 5 at the moment. No worries. And do you have a property as well? No. No. Perfect. Just renting at the moment? Yes. Yeah. Perfect. Any other assets we haven't gone over? No. That's all. No. Perfect. And any other liabilities, like personal loans or credit card or SIP pay? No. No. Not quite perfect. And a little bit about health and lifestyle. Has anything changed? Are you still a nonsmoker? No. Still the same. Nothing's Perfect. changed. Not great. And estate planning wise, I have here that for your beneficiaries, we have 75% for Kylie and 25 for Sarah. Yep. Yep. Perfect. And, Kylie, obviously, your wife and Sarah. Who who is she? What's the relationship She's there? my daughter. Okay. Perfect. And how old is she? 20 this year. Perfect. Now I do wanna let you know as well with beneficiaries when it comes to obviously kids over 18, they are still a valid nomination very much so. But if they are over 18, there are some special rules if they are, you know, at university or studying or, if there are, like, disabilities and stuff like that. But, otherwise, typically, children over 18 can be taxed up to 302% medical levy for any benefits they receive if something were to happen to you. Okay. Can I just make it a 100% to my wife? Yeah. And it is tax free to her. And that's why I do Yeah. wanna mention it because sometimes people don't know and they they just allocate it that way. But then when they do find out their tax consequences, sometimes they do change it to the partner, and then, obviously, your your wife would support your daughter as well if something were to happen. Yeah. Yeah. Yeah. Alright. I will get those resent through you. Because it is making a legal nomination, I will just need you to complete the forms again. Do you have access to a printer at all, or do you prefer Yes. I post? do. Post. Okay. Yep.","start_word":674,"end_word":1111,"sentiment":"neutral","sentiment_score":0.05071847293883154},{"text":"Perfect.","start_word":1112,"end_word":1112,"sentiment":"positive","sentiment_score":0.45619136095047},{"text":"So what I'll do is I'll get the team to email that to you to make it a bit quicker, especially with post to w a might take a little while. So I'll get them to email that to you. If you can just complete that when you have a moment, return it to us, and then we'll get that updated, for a 100% to your wife. Yep. And I can get it prefilled if you would like as well to make it easier. Yes, please. Yep.","start_word":1113,"end_word":1199,"sentiment":"neutral","sentiment_score":0.2717270851135254},{"text":"Perfect. And you're still happy with the binding, non lapsing nominations, obviously, making sure that the trustee are bound to follow your wishes and that it stays in place until you decide to change it.","start_word":1200,"end_word":1234,"sentiment":"positive","sentiment_score":0.39648744463920593},{"text":"Yep. Yep.","start_word":1235,"end_word":1236,"sentiment":"neutral","sentiment_score":0.12819074094295502},{"text":"Great.","start_word":1237,"end_word":1237,"sentiment":"positive","sentiment_score":0.4082868993282318},{"text":"Perfect. Otherwise, do you guys have a will in place or a power of attorney or anything like that? Not at the moment. No. Nope. That's okay. You don't have anyone who makes any financial decisions on your behalf otherwise? No. No. Perfect. And you don't earn any income overseas or are politically exposed at all? No. No. Great. Perfect. Any changes otherwise to your goals and what you are working on? I think the last time we spoke to you, you were kind of focusing on being debt free, continue to enjoy life, maybe take out the caravan for a couple of trips. Yes. Still, sir. Still the same.","start_word":1238,"end_word":1347,"sentiment":"neutral","sentiment_score":-0.0034714939919385044},{"text":"Okay. Perfect.","start_word":1348,"end_word":1349,"sentiment":"positive","sentiment_score":0.4861503541469574},{"text":"Now next is just to run through another updated risk profile questionnaire with you there, Tim, just to see if anything has changed and if we need to make any changes to your risk profile.","start_word":1350,"end_word":1384,"sentiment":"neutral","sentiment_score":0.2528800070285797},{"text":"So it's all just multiple choice to make it nice and easy.","start_word":1385,"end_word":1396,"sentiment":"positive","sentiment_score":0.4644416272640228},{"text":"There's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Now have you ever bought direct shares yourself? No. Perfect. And at the moment, when do you think you would like to start accessing your super or retiring? Do you have any idea? No. No. Not at the moment. No. Do you think, like, '60, '65, '67? Probably be I can't '65, '70, I guess. Somewhere around there. Yeah. Okay. Perfect. So more than ten years. Anyway Yeah. At yeah. least. Yeah. Perfect. Now next is in regards to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to keep up with the rising prices? Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk when it comes to your superannuation? Probably the high, moderate. High moderate. Okay. Perfect. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you say that you would, think that now is potentially a good time to invest a little bit more while the prices are down, would you say that you would probably hold and kind of wait and see what happens, or would you want to shift to a more secure asset so that means you are then selling when the prices have dropped? I'll probably just hold. Probably just hold.","start_word":1397,"end_word":1675,"sentiment":"neutral","sentiment_score":-0.06433803588151932},{"text":"Yeah. Perfect.","start_word":1676,"end_word":1677,"sentiment":"positive","sentiment_score":0.5185704231262207},{"text":"Now if you notice your superannuation fluctuate a little bit or any of your other assets, how did that make you feel? Would you think, you know, optimistic about potential future opportunities or a bit more cautious, not wanting to make further investments or concerned or highly anxious? Not be optimistic. Yep. Okay. Perfect. And last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. No. Would you ever consider taking out a loan to buy an investment property? Maybe. Maybe. Okay. Perfect. And now, Tim, that tells me here that you have come out as a growth investor. And at the moment, we have you invested in a high growth portfolio. Do you know the difference between those two at all? No. Alright. So, essentially, they they are pretty similar in that you are still looking at getting as much growth as you possibly can out of your superannuation while you do have the time, and that you are prepared to experience, you know, some higher levels of fluctuation in order to achieve that. Now the difference between the two, is, mainly when it comes through a asset allocation point of view, so how your money is invested. And in a high growth portfolio, typically, we see 90% invested in what we would call your growth assets. Now these are things like Australian shares, international shares, as well as property and commodities, and that is what's going to maximize your returns in those long term. And then about 10% in more defensive assets like cash, gold, fixed interest, for example. The difference in a growth portfolio is about 10%. So we then see about 80% in your growth, 20 in defensive. Now when we are also looking about a time frame, so making sure that you have enough time in the market for those fluctuations. In a high growth portfolio, we do wanna allow a minimum of eight years ideally until retirement, making sure you have enough time for those fluctuations to come back around. Or in a growth portfolio, we do see about six years or so. Does Yep. that make sense? Yes. Yeah. Perfect. Now would you say that you are comfortable remaining in a high growth, or do you feel like you would like to look at reducing it down to a growth portfolio? No. I wanna stay in the high price. Yep.","start_word":1678,"end_word":2083,"sentiment":"neutral","sentiment_score":0.05038407197212938},{"text":"Great. Perfect. We can definitely do that. Now if you have the option of accessing your emails now that for me, that would be great.","start_word":2084,"end_word":2108,"sentiment":"positive","sentiment_score":0.5363690257072449},{"text":"Now we have just changed to any software, so it might look a little bit different to what it usually does. And to make it easy for you, if you can open your inbox, before clicking on the link, there will be some attachments attached. And if you can just let me know the first ones, and then we can go kinda with the order that you can see. Yep. Is that just the signature request one? Just before you click on that. So if you click on that link, it will take you to the documents that signing. But before you do it, you should be able to scroll down a little bit more before you click on the link, and there should be a couple of attachments. You should be able to see, like, a Vanguard index chart and a super insurance Yep. summary. Yeah. Perfect. Which one is listed first for you? The services card? Yes. Yep. So the services guided is an updated financial services guide. We've had a bit of changes in our marketing, which is great. So it's it's very similar to the old ones. Just basically everything that you know, it's important for you to know about us. So it's just a little bit of an updated version. So the services guide is just a condensed version. It just breaks down the team, actually. So if you can open it, and Yep. then if you want Okay. to scroll down to page let me see. I think it's page 10. You should also see a photo of myself there, and sometimes it is nice to put a face to the voice. Yep. I've Yeah.","start_word":2109,"end_word":2389,"sentiment":"neutral","sentiment_score":0.09949429333209991},{"text":"got it Perfect.","start_word":2390,"end_word":2392,"sentiment":"positive","sentiment_score":0.35021838545799255},{"text":"So a little bit about us here for you now. so you can obviously have a bit of a read over that in your own time. Yep. Just a bit bit of an updated marketing material there for you. Now, Tim, what is the next attachment that you can see? Financial services. Yep.","start_word":2393,"end_word":2445,"sentiment":"neutral","sentiment_score":0.10106917498808989},{"text":"Perfect.","start_word":2446,"end_word":2446,"sentiment":"positive","sentiment_score":0.5423882603645325},{"text":"I won't get you to click onto that one. It's very similar to the services guide. It is just a longer version. So, again, I'll let you have a read over that in your own time. It's just just an updated one for you. Yep. And what is the next one? Super and insurance summary. Yes.","start_word":2447,"end_word":2502,"sentiment":"neutral","sentiment_score":0.17830009758472443},{"text":"Perfect.","start_word":2503,"end_word":2503,"sentiment":"positive","sentiment_score":0.5437792539596558},{"text":"If you can open that one for me. Yep. Sorry. This one here shows us a bit of a breakdown of your current situation. Now I do wanna let you know as well that that TPA, so the third party authority that we have with, they have just expired. So I haven't Okay. been able to get updated figures there for you, but part of the signature attachment, there is an updated version. So I will then send that off to Cbus, and we can do a bit of an updated research for you just to check Yep. the new the new balance, and just making sure that everything's all good for those insurances. But, otherwise, Yep. No problem. it is, you know, approximately about 12,000. Could be a little bit more, could be a little bit less, obviously, since we did the research there for you. And can I check with you as well that you have contributions going into Cbus, or have No. they been changed? No. I don't have any contributions going in there. Okay. Yeah. Because I did see in Netwealth that I saw a contribution going in through Netwealth in January. And I do wanna just check that as well because, typically, when we are retaining a fund for the purpose of insurances, we do like to keep contributions going into that fund because if there hasn't been any contributions for sixteen months, they can cancel them, and we don't want that to happen. So we wanna make sure that the insurance stays in place. Yep. So I will go so before I ask you to change anything, I will go and just get that updated research for you. I will triple check the amount and everything like that, Yep. and and then I'll put together a new SOA, so a new strategy paper for you to see if we need to change and roll over some money. Because if there are a little bit more or less in C bus, if you haven't had contributions going, it's probably a good amount. But I do like to just check as well because we wanna obviously have the most amount of money in the fund that's going to give you the most return or the highest return. Yep. No worries at all. And and I'll just go and check. And then if sorry. I might suggest that we change your contributions back to C Bus and do regular rollovers, but I will put that all in the paper for you before I get you to change anything. Okay.","start_word":2504,"end_word":2935,"sentiment":"neutral","sentiment_score":0.023093928220785327},{"text":"Thanks.","start_word":2936,"end_word":2936,"sentiment":"positive","sentiment_score":0.37260857224464417},{"text":"Yeah. Does that make sense? Yeah. Yeah. Yeah.","start_word":2937,"end_word":2944,"sentiment":"neutral","sentiment_score":0.15861272811889648},{"text":"Great. Perfect.","start_word":2945,"end_word":2946,"sentiment":"positive","sentiment_score":0.5659412145614624},{"text":"Otherwise, you have, obviously, net worth where majority of your super is, and you do have a bit of life and total permanent disability. Again, I will check the numbers. You can see roughly that last time what it was, and then, obviously, the premium that comes out of that as well. Now Yep. with your insurances as well, are you quite happy with those amounts? Do you feel like they are quite adequate to meet your needs, or Yeah. what are That your thoughts about is fine at the moment. yeah.","start_word":2947,"end_word":3038,"sentiment":"neutral","sentiment_score":0.10015644878149033},{"text":"Great. Perfect.","start_word":3039,"end_word":3040,"sentiment":"positive","sentiment_score":0.45080503821372986},{"text":"Now what is the next attachment there otherwise for you? The performance. Yeah. Perfect. So if you can click on that one for me. Now this one sometimes does look a little bit messy, but it does show you a bit of a breakdown of your current portfolio at the moment in Netwealth. So it gives you all the different investments and how they've all performed and how it's all done. And I do want to, as well, if you're happy for me to do so, do a bit of a review of your investment because things are always, you know, continuously changing, and it is important to review them, especially with everything going on in the market at the moment, making sure that Yep. we have the best options. And overall, a lot of the investments have done pretty okay, but there is one investment that has kind of underperformed a little bit. So I would like to look at changing that one. I'll do the research for you, but that is your Benelung Australian equity. Now that Okay. one was added through your portfolio at that time. It is your your active investments that was doing really, really well. But recently, they've kind of underperformed a little bit, and the biggest reason is that one of their investments so not Benelung itself, but one of the investments that they had in that portfolio, the corporate travel group, was suspended for trading. Some of that reporting didn't really add up, so it was suspended for trading, which meant that their share price and everything dropped. So that's kind of caused a bit of fluctuation in that, and it's have underperformed lately. So I would like to look at changing that one out for you to something that's doing Yep. a little bit better. But That's I'll fine. go and do do that research for you and see what's going to be the best for you. Okay. Still keeping Thank you you. in a high growth. No. That's Yep. okay. Now the last one, is that your Vanguard index chart there? Yep. Yep. You would have seen this one before. It's just bit of an updated version. Again, just to give you a good kind of visual representation of what we are talking about when we are talking about the market. But you can kind of see here that, you know, over the long term, the market always goes up. Short term, there are some ups and downs and market fluctuation. Yep. Yep. Do you have any questions so far?","start_word":3041,"end_word":3470,"sentiment":"neutral","sentiment_score":0.04184540727414018},{"text":"That kind of all makes No. sense.","start_word":3471,"end_word":3477,"sentiment":"negative","sentiment_score":-0.3532334566116333},{"text":"That's fine. No.","start_word":3478,"end_word":3480,"sentiment":"neutral","sentiment_score":-0.10431775450706482},{"text":"Perfect.","start_word":3481,"end_word":3481,"sentiment":"positive","sentiment_score":0.3837081789970398},{"text":"Now if you then wanna click on the signature link now for me, and I will just kind of show you the documents that it will just ask you to sign if you're happy to do so. So you will see one that is an ongoing service agreement. Yep.","start_word":3482,"end_word":3530,"sentiment":"neutral","sentiment_score":0.1918792426586151},{"text":"That's just to say that you are happy to, you know, remain as a client and stay on board for the next twelve months.","start_word":3531,"end_word":3554,"sentiment":"positive","sentiment_score":0.3947031795978546},{"text":"But like usual, you know, there is no lock in contract at all. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, this one here just gets us remaining servicing on your account and help service you. Yep. That's okay.","start_word":3555,"end_word":3604,"sentiment":"neutral","sentiment_score":0.12306731194257736},{"text":"And yeah. Perfect.","start_word":3605,"end_word":3607,"sentiment":"positive","sentiment_score":0.46576473116874695},{"text":"You also have kind of a compliance document. It's just a tax file number form just to say we are keeping your tax file secure on the file. And the last one is that TPI I mentioned earlier just so we can get some updated research done on that CBass account for you. Yep. No worries. Yeah.","start_word":3608,"end_word":3664,"sentiment":"neutral","sentiment_score":0.24979743361473083},{"text":"Perfect.","start_word":3665,"end_word":3665,"sentiment":"positive","sentiment_score":0.34207504987716675},{"text":"So if you are happy to do so, if you can then press sign, I believe it is, and it might just Yep. ask you to draw a signature. Yeah. A little I've bit already different done to it.","start_word":3666,"end_word":3704,"sentiment":"neutral","sentiment_score":0.11359549313783646},{"text":"what it oh, great. Perfect. Thank you so much.","start_word":3705,"end_word":3713,"sentiment":"positive","sentiment_score":0.46550893783569336},{"text":"So like I said, Tim, I will go and do the research for you on your investment, also see, you know, if we wanna change your contributions and stuff like that. Yep. But before I let you go, otherwise, do you have any other questions or need No. anything I'm else happy from us? Yeah.","start_word":3714,"end_word":3768,"sentiment":"neutral","sentiment_score":0.16270305216312408},{"text":"happy Perfect. with the way I'm still going. Great. Perfect. I will also get the team to email you those beneficiary forms so we can get that changed to Kylie as well.","start_word":3769,"end_word":3800,"sentiment":"positive","sentiment_score":0.4369553029537201},{"text":"Yep. No worries. Perfect. Now it might take me a couple of weeks to get this research sorted. But as soon as I do, I will give you a call and run through the changes, and then you can let me know what you would like to do. Yep.","start_word":3801,"end_word":3849,"sentiment":"neutral","sentiment_score":0.13697592366714867},{"text":"That's fine. Perfect. Well, thank you so much for your time today, team, and I hope you have a lovely rest of your day. No worries. Thank you. Thanks. Bye.","start_word":3850,"end_word":3879,"sentiment":"positive","sentiment_score":0.6998300552368164},{"text":"Bye.","start_word":3880,"end_word":3880,"sentiment":"neutral","sentiment_score":0.2886868119239807}],"average":{"sentiment":"neutral","sentiment_score":0.08377442968265075}}}}