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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. 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. Yep. And the state of birth as well, please. Yep. Perfect. That's exactly what I have here. Now are do you have access to your emails at the moment, or are you just kind of driving and and on the way to work or something? Yeah. Okay. Do you have the option of getting into your emails this morning or or not not really? Yeah? Yep. Okay. Perfect. So what I'm going to do is I'm going to shortly send you some documents to run through during the annual review, and it does make it a bit easier for you if you can see those at the same time. So that will be processed shortly. The the system is a little bit slow this morning, so let me know when that one comes through. But while I do wait for that to come through, before I kind of jump into the fact finding stuff, I do like to usually 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 extra on. No. Just just usual review just to see what's happened. Yep. Perfect. Now bear with me as I go through. Just a bit of an updated fact find just to see if there's anything that's changed in your life which might require us to make any changes to your advice at all. Now when it comes to your your personal information, I do have you here down as single with no financial dependents. Is that correct? Oh, perfect. Well oh, congratulations. That's very exciting. And what's your your partner's name? Perfect. Michael. And what was the last name? Sorry. M I a. Perfect. Let me just triple check. And the phone number that we would have for him that hasn't changed? No. 00. Yeah. Perfect. Yep. Okay. Perfect. Thank you so much. Now would you like him nominated as your next of kin as well? Would you wanna nominate someone else? Yeah. Yep. Great. Perfect. Still no financial dependence? No. Perfect. Now when it comes to your occupation as well, has any of that changed? Are you still a a reliability engineer? Alright. Perfect. And what's their occupation title? Sorry. I just missed that. Okay. Perfect. But still for, yeah, Rio Tinto. Yep. Now I have your income here as a 130,000 of last time we spoke. Is that still the case, or has that been changed at all? Oh, perfect. 250 to 250? Yep. Yep. Perfect. That's a nice little increase. Yeah. Now do you get paid any, like, bonuses or overtime or or extra allowances and stuff, or is that kind of your base pay? Yep. Yep. Perfect. Great. Now I do have here your your savings around $1,200 a week. Is that still roughly the case? No. That's okay. Okay. Perfect. And savings, do you know roughly? 500. Okay. Perfect. Great. Now with your employer as well with the the income, do you know if they pay you the the standard 12% employer contributions going into superannuation? Hundred and okay. Perfect. Because I was going to say as well that if it was the $2.50, it does get to you very close to the the contribution cap. So I did wanted to to check that. So if it is 12% at a 190 7,000 perfect. Do you know if you get contributions on your bonus as well? Yes. Typically, most employers do cover it. And do you know if that would yeah. And do you know if that would be 10% of a 197 or 10% of the two fifty? Okay. Perfect. Now are you making any salary sacrifice contributions as well? So you do not salary sacrifice. You do it like extra contributions after tax? Let me just go in your account and have a look here because I know you now with the new income are getting really close to that cap space. So let me have a look if I can see it in your account. Now I can see a contribution going into your account on the March 3 for 2,392. I think that's just from the from the employer. And then another one on the first of the thirtieth. Let me see here. And then on the staff. So I can't see any additional contribution from your alright. Okay. Perfect. Okay. And will that roughly be, like, same amount, or do you know how much extra you would put in? Okay. Perfect. I'm sorry. So that would be obviously the standard from your employer. So do you say that you do extra yourself? Yes. Super. Yes. No. Okay. Perfect. No. Because I was going no. That's okay. Because I was going through all the transaction. I'm like, I can't see I can't see that. So, yeah, that's great. Perfect. Sorry. Just from that employer, yeah, which which is good. Now do you know if if you do get close through the cap space of the 30,000, do you know if your employer will continue to pay you the contributions on your income, or do you know if they stop at 30,000? They continue? Yeah. Yeah. Because sometimes, legally, they only have to to cover up to the 30,000. They can cut it off. Some employers still honor it, and they're paying more. So they still honor it and keep it based on your your income. And, obviously, you're working for a very big company. That can be the case. But sometimes they do cut it as 30,000. So Yeah. Okay. Perfect. Oh, that's that's very good. That's a good arrangement. Now, otherwise, with your assets and your liabilities, I have here your property was last died at about 680,000. 560. Great. Perfect. Now do you have a mortgage attached to that one at all? The the one in Brisbane, the 15 yeah. Yes. Oh, okay. Perfect. So that one is sold. Sorry. Is the one that you you guys live in the 3 Gamble Street, or is that an investment property? Okay. Perfect. Let me change that investment property. Now do you know how much that one is valued at roughly? Oh, perfect. And I had here last mortgage was around $6.40. $5.60. Okay. Perfect. Now the property that that you live in, is that a rental, or do you have another property? Alright. Okay. Perfect. Yep. But this investment property on Gamble Street, that's yours? Yep. Okay. Great. Now I also have a a motor vehicle right at about 25,000. Yep. Perfect. And you don't have anything owing on that one, do you? That's great. I do also have here some shares on a Comtech account for about 102,000. Awesome. Alright. Perfect. So is that a, like, an offset account or anything or just like a savings account? Offset. Yep. Perfect. Do you know roughly how much you have in the offset account, like, roughly? Perfect. Thank you. Now do you also have the South 32 shares for 5,000? No. Sold. Great. Perfect. Any other assets that we haven't gone over or any other changes? Yep. Perfect. Yeah. Perfect. Yeah. About 12,000, did you say? Yes. Correct. Yep. That's okay. Great. Perfect. I'll update that. Any other liabilities otherwise, like, any other personal loans or credit card? No. Perfect. And you've never been declared bankrupt or been under a part nine debt agreement? No. No. Great. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker and no medications. Is that correct? Yeah. Perfect. Do you have private health insurance? Yep. Perfect. And that's hospitals as well? Yeah. Yeah. Great. Perfect. Especially with your income as well. You don't wanna have to pay those additional tax or anything like that. Now now when it comes to estate planning, do you have a will in place? Okay. Perfect. Would you like us to send you some details on pricing of a firm that we work closely with? Yep. Perfect. I'll get the team to email that. That way, when when you guys are ready to have a look at it, you can always, you know, give them a call or check their pricing and obviously compare that as well. Now the other thing is your beneficiary. So at the moment on your superannuation, we don't have anyone nominated. So that is if something were to happen to you who you want to receive those the benefits. Do you know who you would like to nominate? No? That's okay. What I'll do, though, is I'll get the team through would you do you have access to a printer? No? Otherwise, I'll get the team to post out the forms for you so you have them. Take your time to obviously decide who you would like to nominate. If you have any questions, because there are only certain people you can nominate directly through superannuation, always give me a call or send me an email. It is important that you do nominate someone at some point. So if something were to happen, it goes to who you would like. So I'll get them to post it out to you. Now what's the address? Do you are you happy for us to post it to that 228 Beechwood Road, Baywater, WA? Yep. Perfect. Now that was basically all of our information I had to go through, so thank you for that. The the next thing is just to quickly run through a bit of an updated risk profile questionnaire, and that is basically just to see if we need to make any changes to your investment portfolio within your superannuation there. So there's no right or wrong answer or multiple choice to make to make it nice and easy. If it doesn't make sense, just just let me know. Alright. Perfect. So at the moment, which can obviously be hard hard to know because it's it's quite far away, but do you know when you are planning on retiring or start accessing your superannuation at all? Okay. So 45 is when you want to retire. Now with the current legislation, the earliest you can access superannuation is at the age of 60 if you stop working. So if you're perfect. If you plan to kind of build, obviously, wealth outside superannuation to draw that income for you so that you can ideally retire at 45? Yeah. Correct. Perfect. That's a nice plan. But otherwise otherwise, when you turn 60, you would kind of plan to take your superannuation or at least draw an income or something for it. Yeah. Now the next question is when it comes to inflation. So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is is costing a bit more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation. Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk? Hi, Patrick. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 26% due to general trends in the financial markets. Now would you want to take advantage of that drop in prices by thinking that now is potentially a good time to invest a little bit more if you had the option to do so? Would you hold? Kinda wait and see what happens, or would you want to shift to a more secure asset so that means you are then obviously selling when the prices have dropped? Yeah. Invest a bit more. Perfect. Now the next one here is in regards to, again, fluctuations. Sorry. Have you ever noticed your superannuation fluctuate? Now, obviously, recently, there's been a lot going on in the world. That's obviously seen a a bit of fluctuation to the market and everything, which I'm sure you've seen obviously with your personal investments as well. If you did see it, how did that make you feel? Would you say optimistic about potential opportunities, a bit more cautious, not making further investment, concerned, or highly anxious? Okay. So kind of just in in in the middle? Yes. Yes. Perfect. Now last one here is would you ever consider taking out a loan to invest in stocks or funds? No. Perfect. Just kind of for investment property purposes. Yeah. Great. Now, Emmy, that tells me that you have come out as a high growth investor. And at the moment, we do have you invested in a high growth portfolio. Do you kind of remember what it means to be a high growth investor at all? Kind of. So, you know, it is it is someone who's looking at getting as much growth as you possibly can out of your superannuation, you know, while you do have plenty of time. You know? But you are also prepared to experience, you know, some higher levels of fluctuations in the short term in order to achieve that growth in the long term. And, typically, when we are looking at an asset allocation point of view, we see about 90% invested in your growth assets. So that will be, obviously, Australian shares, international shares, property, and commodities. And that is ultimately what is going to maximize those returns for you and about 10% in your defensive assets, like your cash, your fixed interest, and then gold can kind of fit into both. Does that make sense? Are you still quite comfortable with with a high growth portfolio? Yep. Great. Perfect. And when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations, as a high growth investor, typically, we see minimum eight years until retirement, which you certainly have. So from a time point of view, you are definitely in a good position as long as, yeah, obviously, you are comfortable with that. So we will leave that. Now did that email come through at all with the attachments? Yep. It could also go into the spam folder because we have recently changed the software. So it will look a little bit different to let me triple check here for you. We send it through good luck x r yeah. Yeah. Yes. Now before you click on to the signature request, it will look a little bit different. So before you click in, you will actually see the a couple of attachments. Now these have just been provided through you. They don't need to be signed. But if you wanna have a look at those first, now you will see can you see one that says, like, the OQ Financial Services Guide? Yeah. Now I won't get you to go into those two. They are quite similar to the other ones you have been provided. It's just our financial services guide. We have just made a bit of an update. So we've done a bit of a revamp to our marketing, so you you will have a look when you do look at them that we've kind of had a bit of an extension to the team as well, which which is nice. And all the information about the team, our director of advisers, I'm on there on page six, I believe, as well. If you do wanna put a face to the voice, but that's basically it. You know, everything that you do need to know about us is in that one for you. It kind of complements the services guide, which you will see as well. It's just kind of a shorter version of that. Now do you also see a super and insurance summary attached to it? Yeah. Yeah. Perfect. Now if you do wanna click on that one for me if you can, it will then show you your current super insurance. So you have your superannuation in hub twenty four. You'll see your current super balance as of this the March 2 when we prepare those documents, so about 198,936. And then underneath that, you have your insurances. So you have an income protection policy with Pell. Now the benefit period for that one is to age 65 with a full week waiting period, and the monthly amount is 9,796. You do have a small portion paid outside superannuation to get a couple of those additional benefits, which is great. The out of pocket benefit is about a $177 a year, which is which is pretty good. Now, obviously, with your income increasing a bit, you can potentially be covered for more if you would like. It's great. Perfect. Because I was going to say as well that if it is something that you want to increase, it would mean we have to go through, like, the underwriting process and everything like that, and that would obviously increase the premium. And if you feel like that 9,729 would kind of cover bills and expenses and you're happy with that, then we can definitely leave that for the time being anyway. Yep. Perfect. Great. Now you don't have any life or total permanent disability in trauma insurance. You're still quite comfortable to to only have that income protection? Yep. Great. Perfect. Now the other attachments you will see, you will see a Vanguard index chart. You may have seen this one before if you are quite familiar with, obviously, in investing. But, basically, that one just gives you just a good visual representation of what's happened in the market. It breaks down the different asset classes and how they kind of tend to behave and have done historically going back to 1995 there for you. Now you will also seek through certificate of currency if you tell insurances. Basically, just breaks it down in a bit more detail for you, but lets you know that's all paid and up to date. Now you will also have a let me see here. A twelve month return for your investments in hub twenty four. Can you see that one okay? Yep. Perfect. Now that one just breaks down the investments and kind of what's happened in the last twelve months, all net of fees. So you can see all your investments, how they have performed. Now if we look at the last twelve months, obviously, factoring in that a lot has happened in the market. The last the last twelve months after fees, the portfolio has still gone up, which is good, but it's about 4.28%. Now one of the investments in your portfolio, which is your Benelon Australian equity, now that is a a managed fund that's obviously added to your portfolio at the time when you came on board because it was doing really well. And the purpose of it was to give you that active management. So they're obviously focusing on actively buying and selling investment in order to kinda outperform the market. Now more recently, they kind of have underperformed a little bit through what we expected them or what we would have liked. And one of the reasons for their kind of underperformance at the moment is one of their investments that they had in their portfolio was corporate travel group. You may have heard or or seen anything about that, but they had a bit of issues with their reporting, which meant that they were suspended from trading for a while. So that obviously caused, yeah, that caused the the price to to drop. So if you are happy for me to do so, I would like to do a bit more investigation into their investments for you and see if I can find another option to swap that one out for that is going to do a little bit better and do a bit more for you moving forward. Yeah. Now with your investments as well, have you recently read our newsletter at all? Is that something you you keep an eye on or not really? No. No. That's okay. No. That's totally fine. The reason I ask is because we have recently merged or partnered up with BlackRock, which you may have heard of. We have recently partnered up with BlackRock, which you you may have heard of. Perfect. So we have just launched an SMA. Are you quite across what an SMA is? Do you know much about it? No. So an SMA, it is a self managed account. Now it works a little bit different to how your portfolio is currently constructed in Hub twenty four. The biggest kind of change is that in Hub twenty four at the moment, you will see all your individual investments. And if we would like to go and and make a change to any of the investments, like, for example, with the Bennelong investment, we would obviously go and do all the research. I would present everything in a new statement of advice for you, run through the changes, and then you would have to sign the document and agree to the changes before we can make any changes. So from a paperwork compliance point of view, it is quite lengthy in that process to obviously put everything together. The diff with the SMA is that you would be not invested in each and every single investment. You would be invested in the the SMA product itself. So you would still have a range of underlying investment, but the difference is that because you're invested in the the SMA product, we can then easily chop and change investment. If we foresee that one investment isn't going to do well, we can very quickly do that in the back end. You will still get notified of the change, but you don't have to go through the s the SOA process or and approve and agree through the change in order for us to make the change. So it eliminates the the kind of the compliance and the research side of it, which is you just invested in the SMA. But it allows us to kind of do a bit more of that active approach underlying to your investment. And, obviously, partnering up with BlackRock, we obviously jointly do all their investment knowledge and resources and tools and stuff like that. We have access through with the SMA investment, but it will mean that you would have a little bit less oversight of when we are making changes to your investment. Is that something you are comfortable with if I do the research and it's going to put you in a better position than what you currently have, or do you prefer the the model you have now where we present the change and you decide if you're happy with the change before we make a change? Happy with the current model? Okay. Perfect. That's good. I'll still review your current investment, though, and see if if we can make changes, especially that Benelung because it has underperformed a little bit. Obviously, there's been a lot of changes to reinvestments since and, been a bit of cyclical with the market, but that been along, we kind of don't foresee it changing too much, so we wanna, look to change that. So I'll go and do some research on that investment for you, keep you in a high growth portfolio, also factoring in that we wanna minimize the capital gains tax and, obviously, selling investments. I'll put all of that in a research document for you and present it, and then you can let me know if you're happy with the change and what your thoughts are. Perfect. Perfect. Now it will take me a a couple of weeks to get all of this together. But as soon as I do, I'll give you a call, run through it, and then we can take it from there. Yep. Perfect. Now the last thing is then if you are able to click on that sign document, you will see, I believe, there's true attachments. And it should yes. So that one is to say that you're obviously happy to stay on as a client for us to service and manage everything for you. It's not a locking contract at any point in time. So if at any point in time you are not happy with your services, you can cancel at any time. There is no locking contract. So this essentially just allows us to keep servicing your account in the meantime. Now you will see here as well that, obviously, with the fees, because your your partner is a client, that has been reduced. So it's only 1.1% ongoing from your due valuation balance. Nothing out of pocket. No changes to that otherwise. And then I think perfect. And then I think the last one that I'll ask you to sign is just a tax file number consent form. It's just to say that we're keeping your tax file number secure and safe on file. So it perfect. So if you're happy to do so, if you wanna click and sign those documents, that will then come through to me. I'll get that processed in the back end. And then in the meantime, I will also go and do that research on your super invest. Perfect. Is there anything else you would like me to research or have a look at for you, or it's mainly just just to see how those investments are changing potentially? Yep. Perfect. Yep. Okay. Perfect. If it's sometimes it takes a little bit to come back. So if it says it's completed and assigned on your end, I'm sure it'll pop up on on my end in a couple of minutes. But, otherwise, I will let you go and enjoy the rest of your day at work. So thank you so much for your time this morning. And like I said, I'll be in touch in a couple of weeks to run through all that research with the investments for you. Yep. Perfect. Do you have any other questions for me before I let you go all the way? Nope. Okay. Perfect. I will also get the team to email you that lawyer information and then post out those beneficial reforms as well. So, obviously, take your time and understand what you would like to do with those. Yep. Perfect. Well, thank you so much, Emmy, and I hope you have a lovely rest of your day. Thanks. 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morning, Emmy. It's Veronica from OQ Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in to complete your under review. Is now still a good time for you? Yes. Perfect.\n\nNow 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 with you. 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.\n\nYep. And the state of birth as well, please. Yep. Perfect. That's exactly what I have here.\n\nNow are do you have access to your emails at the moment, or are you just kind of driving and and on the way to work or something? Yeah. Okay. Do you have the option of getting into your emails this morning or or not not really? Yeah?\n\nYep. Okay. Perfect. So what I'm going to do is I'm going to shortly send you some documents to run through during the annual review, and it does make it a bit easier for you if you can see those at the same time. So that will be processed shortly.\n\nThe the system is a little bit slow this morning, so let me know when that one comes through. But while I do wait for that to come through, before I kind of jump into the fact finding stuff, I do like to usually 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 extra on. No. Just just usual review just to see what's happened. Yep.\n\nPerfect. Now bear with me as I go through. Just a bit of an updated fact find just to see if there's anything that's changed in your life which might require us to make any changes to your advice at all. Now when it comes to your your personal information, I do have you here down as single with no financial dependents. Is that correct?\n\nOh, perfect. Well oh, congratulations. That's very exciting. And what's your your partner's name? Perfect.\n\nMichael. And what was the last name? Sorry. M I a. Perfect.\n\nLet me just triple check. And the phone number that we would have for him that hasn't changed? No. 00. Yeah.\n\nPerfect. Yep. Okay. Perfect. Thank you so much.\n\nNow would you like him nominated as your next of kin as well? Would you wanna nominate someone else? Yeah. Yep. Great.\n\nPerfect. Still no financial dependence? No. Perfect. Now when it comes to your occupation as well, has any of that changed?\n\nAre you still a a reliability engineer? Alright. Perfect. And what's their occupation title? Sorry.\n\nI just missed that. Okay. Perfect. But still for, yeah, Rio Tinto. Yep.\n\nNow I have your income here as a 130,000 of last time we spoke. Is that still the case, or has that been changed at all? Oh, perfect. 250 to 250? Yep.\n\nYep. Perfect. That's a nice little increase. Yeah. Now do you get paid any, like, bonuses or overtime or or extra allowances and stuff, or is that kind of your base pay?\n\nYep. Yep. Perfect. Great. Now I do have here your your savings around $1,200 a week.\n\nIs that still roughly the case? No. That's okay. Okay. Perfect.\n\nAnd savings, do you know roughly? 500. Okay. Perfect. Great.\n\nNow with your employer as well with the the income, do you know if they pay you the the standard 12% employer contributions going into superannuation? Hundred and okay. Perfect. Because I was going to say as well that if it was the $2.50, it does get to you very close to the the contribution cap. So I did wanted to to check that.\n\nSo if it is 12% at a 190 7,000 perfect. Do you know if you get contributions on your bonus as well? Yes. Typically, most employers do cover it. And do you know if that would yeah.\n\nAnd do you know if that would be 10% of a 197 or 10% of the two fifty? Okay. Perfect. Now are you making any salary sacrifice contributions as well? So you do not salary sacrifice.\n\nYou do it like extra contributions after tax? Let me just go in your account and have a look here because I know you now with the new income are getting really close to that cap space. So let me have a look if I can see it in your account. Now I can see a contribution going into your account on the March 3 for 2,392. I think that's just from the from the employer.\n\nAnd then another one on the first of the thirtieth. Let me see here. And then on the staff. So I can't see any additional contribution from your alright. Okay.\n\nPerfect. Okay. And will that roughly be, like, same amount, or do you know how much extra you would put in? Okay. Perfect.\n\nI'm sorry. So that would be obviously the standard from your employer. So do you say that you do extra yourself? Yes. Super.\n\nYes. No. Okay. Perfect. No.\n\nBecause I was going no. That's okay. Because I was going through all the transaction. I'm like, I can't see I can't see that. So, yeah, that's great.\n\nPerfect. Sorry. Just from that employer, yeah, which which is good. Now do you know if if you do get close through the cap space of the 30,000, do you know if your employer will continue to pay you the contributions on your income, or do you know if they stop at 30,000? They continue?\n\nYeah. Yeah. Because sometimes, legally, they only have to to cover up to the 30,000. They can cut it off. Some employers still honor it, and they're paying more.\n\nSo they still honor it and keep it based on your your income. And, obviously, you're working for a very big company. That can be the case. But sometimes they do cut it as 30,000. So Yeah.\n\nOkay. Perfect. Oh, that's that's very good. That's a good arrangement. Now, otherwise, with your assets and your liabilities, I have here your property was last died at about 680,000.\n\n560. Great. Perfect. Now do you have a mortgage attached to that one at all? The the one in Brisbane, the 15 yeah.\n\nYes. Oh, okay. Perfect. So that one is sold. Sorry.\n\nIs the one that you you guys live in the 3 Gamble Street, or is that an investment property? Okay. Perfect. Let me change that investment property. Now do you know how much that one is valued at roughly?\n\nOh, perfect. And I had here last mortgage was around $6.40. $5.60. Okay. Perfect.\n\nNow the property that that you live in, is that a rental, or do you have another property? Alright. Okay. Perfect. Yep.\n\nBut this investment property on Gamble Street, that's yours? Yep. Okay. Great. Now I also have a a motor vehicle right at about 25,000.\n\nYep. Perfect. And you don't have anything owing on that one, do you? That's great. I do also have here some shares on a Comtech account for about 102,000.\n\nAwesome. Alright. Perfect. So is that a, like, an offset account or anything or just like a savings account? Offset.\n\nYep. Perfect. Do you know roughly how much you have in the offset account, like, roughly? Perfect. Thank you.\n\nNow do you also have the South 32 shares for 5,000? No. Sold. Great. Perfect.\n\nAny other assets that we haven't gone over or any other changes? Yep. Perfect. Yeah. Perfect.\n\nYeah. About 12,000, did you say? Yes. Correct. Yep.\n\nThat's okay. Great. Perfect. I'll update that. Any other liabilities otherwise, like, any other personal loans or credit card?\n\nNo. Perfect. And you've never been declared bankrupt or been under a part nine debt agreement? No. No.\n\nGreat. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker and no medications. Is that correct? Yeah.\n\nPerfect. Do you have private health insurance? Yep. Perfect. And that's hospitals as well?\n\nYeah. Yeah. Great. Perfect. Especially with your income as well.\n\nYou don't wanna have to pay those additional tax or anything like that. Now now when it comes to estate planning, do you have a will in place? Okay. Perfect. Would you like us to send you some details on pricing of a firm that we work closely with?\n\nYep. Perfect. I'll get the team to email that. That way, when when you guys are ready to have a look at it, you can always, you know, give them a call or check their pricing and obviously compare that as well. Now the other thing is your beneficiary.\n\nSo at the moment on your superannuation, we don't have anyone nominated. So that is if something were to happen to you who you want to receive those the benefits. Do you know who you would like to nominate? No? That's okay.\n\nWhat I'll do, though, is I'll get the team through would you do you have access to a printer? No? Otherwise, I'll get the team to post out the forms for you so you have them. Take your time to obviously decide who you would like to nominate. If you have any questions, because there are only certain people you can nominate directly through superannuation, always give me a call or send me an email.\n\nIt is important that you do nominate someone at some point. So if something were to happen, it goes to who you would like. So I'll get them to post it out to you. Now what's the address? Do you are you happy for us to post it to that 228 Beechwood Road, Baywater, WA?\n\nYep. Perfect. Now that was basically all of our information I had to go through, so thank you for that. The the next thing is just to quickly run through a bit of an updated risk profile questionnaire, and that is basically just to see if we need to make any changes to your investment portfolio within your superannuation there. So there's no right or wrong answer or multiple choice to make to make it nice and easy.\n\nIf it doesn't make sense, just just let me know. Alright. Perfect. So at the moment, which can obviously be hard hard to know because it's it's quite far away, but do you know when you are planning on retiring or start accessing your superannuation at all? Okay.\n\nSo 45 is when you want to retire. Now with the current legislation, the earliest you can access superannuation is at the age of 60 if you stop working. So if you're perfect. If you plan to kind of build, obviously, wealth outside superannuation to draw that income for you so that you can ideally retire at 45? Yeah.\n\nCorrect. Perfect. That's a nice plan. But otherwise otherwise, when you turn 60, you would kind of plan to take your superannuation or at least draw an income or something for it. Yeah.\n\nNow the next question is when it comes to inflation. So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is is costing a bit more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation. Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk? Hi, Patrick.\n\nNow how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 26% due to general trends in the financial markets. Now would you want to take advantage of that drop in prices by thinking that now is potentially a good time to invest a little bit more if you had the option to do so? Would you hold? Kinda wait and see what happens, or would you want to shift to a more secure asset so that means you are then obviously selling when the prices have dropped? Yeah.\n\nInvest a bit more. Perfect. Now the next one here is in regards to, again, fluctuations. Sorry. Have you ever noticed your superannuation fluctuate?\n\nNow, obviously, recently, there's been a lot going on in the world. That's obviously seen a a bit of fluctuation to the market and everything, which I'm sure you've seen obviously with your personal investments as well. If you did see it, how did that make you feel? Would you say optimistic about potential opportunities, a bit more cautious, not making further investment, concerned, or highly anxious? Okay.\n\nSo kind of just in in in the middle? Yes. Yes. Perfect. Now last one here is would you ever consider taking out a loan to invest in stocks or funds?\n\nNo. Perfect. Just kind of for investment property purposes. Yeah. Great.\n\nNow, Emmy, that tells me that you have come out as a high growth investor. And at the moment, we do have you invested in a high growth portfolio. Do you kind of remember what it means to be a high growth investor at all? Kind of. So, you know, it is it is someone who's looking at getting as much growth as you possibly can out of your superannuation, you know, while you do have plenty of time.\n\nYou know? But you are also prepared to experience, you know, some higher levels of fluctuations in the short term in order to achieve that growth in the long term. And, typically, when we are looking at an asset allocation point of view, we see about 90% invested in your growth assets. So that will be, obviously, Australian shares, international shares, property, and commodities. And that is ultimately what is going to maximize those returns for you and about 10% in your defensive assets, like your cash, your fixed interest, and then gold can kind of fit into both.\n\nDoes that make sense? Are you still quite comfortable with with a high growth portfolio? Yep. Great. Perfect.\n\nAnd when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations, as a high growth investor, typically, we see minimum eight years until retirement, which you certainly have. So from a time point of view, you are definitely in a good position as long as, yeah, obviously, you are comfortable with that. So we will leave that. Now did that email come through at all with the attachments? Yep.\n\nIt could also go into the spam folder because we have recently changed the software. So it will look a little bit different to let me triple check here for you. We send it through good luck x r yeah. Yeah. Yes.\n\nNow before you click on to the signature request, it will look a little bit different. So before you click in, you will actually see the a couple of attachments. Now these have just been provided through you. They don't need to be signed. But if you wanna have a look at those first, now you will see can you see one that says, like, the OQ Financial Services Guide?\n\nYeah. Now I won't get you to go into those two. They are quite similar to the other ones you have been provided. It's just our financial services guide. We have just made a bit of an update.\n\nSo we've done a bit of a revamp to our marketing, so you you will have a look when you do look at them that we've kind of had a bit of an extension to the team as well, which which is nice. And all the information about the team, our director of advisers, I'm on there on page six, I believe, as well. If you do wanna put a face to the voice, but that's basically it. You know, everything that you do need to know about us is in that one for you. It kind of complements the services guide, which you will see as well.\n\nIt's just kind of a shorter version of that. Now do you also see a super and insurance summary attached to it? Yeah. Yeah. Perfect.\n\nNow if you do wanna click on that one for me if you can, it will then show you your current super insurance. So you have your superannuation in hub twenty four. You'll see your current super balance as of this the March 2 when we prepare those documents, so about 198,936. And then underneath that, you have your insurances. So you have an income protection policy with Pell.\n\nNow the benefit period for that one is to age 65 with a full week waiting period, and the monthly amount is 9,796. You do have a small portion paid outside superannuation to get a couple of those additional benefits, which is great. The out of pocket benefit is about a $177 a year, which is which is pretty good. Now, obviously, with your income increasing a bit, you can potentially be covered for more if you would like. It's great.\n\nPerfect. Because I was going to say as well that if it is something that you want to increase, it would mean we have to go through, like, the underwriting process and everything like that, and that would obviously increase the premium. And if you feel like that 9,729 would kind of cover bills and expenses and you're happy with that, then we can definitely leave that for the time being anyway. Yep. Perfect.\n\nGreat. Now you don't have any life or total permanent disability in trauma insurance. You're still quite comfortable to to only have that income protection? Yep. Great.\n\nPerfect. Now the other attachments you will see, you will see a Vanguard index chart. You may have seen this one before if you are quite familiar with, obviously, in investing. But, basically, that one just gives you just a good visual representation of what's happened in the market. It breaks down the different asset classes and how they kind of tend to behave and have done historically going back to 1995 there for you.\n\nNow you will also seek through certificate of currency if you tell insurances. Basically, just breaks it down in a bit more detail for you, but lets you know that's all paid and up to date. Now you will also have a let me see here. A twelve month return for your investments in hub twenty four. Can you see that one okay?\n\nYep. Perfect. Now that one just breaks down the investments and kind of what's happened in the last twelve months, all net of fees. So you can see all your investments, how they have performed. Now if we look at the last twelve months, obviously, factoring in that a lot has happened in the market.\n\nThe last the last twelve months after fees, the portfolio has still gone up, which is good, but it's about 4.28%. Now one of the investments in your portfolio, which is your Benelon Australian equity, now that is a a managed fund that's obviously added to your portfolio at the time when you came on board because it was doing really well. And the purpose of it was to give you that active management. So they're obviously focusing on actively buying and selling investment in order to kinda outperform the market. Now more recently, they kind of have underperformed a little bit through what we expected them or what we would have liked.\n\nAnd one of the reasons for their kind of underperformance at the moment is one of their investments that they had in their portfolio was corporate travel group. You may have heard or or seen anything about that, but they had a bit of issues with their reporting, which meant that they were suspended from trading for a while. So that obviously caused, yeah, that caused the the price to to drop. So if you are happy for me to do so, I would like to do a bit more investigation into their investments for you and see if I can find another option to swap that one out for that is going to do a little bit better and do a bit more for you moving forward. Yeah.\n\nNow with your investments as well, have you recently read our newsletter at all? Is that something you you keep an eye on or not really? No. No. That's okay.\n\nNo. That's totally fine. The reason I ask is because we have recently merged or partnered up with BlackRock, which you may have heard of. We have recently partnered up with BlackRock, which you you may have heard of. Perfect.\n\nSo we have just launched an SMA. Are you quite across what an SMA is? Do you know much about it? No. So an SMA, it is a self managed account.\n\nNow it works a little bit different to how your portfolio is currently constructed in Hub twenty four. The biggest kind of change is that in Hub twenty four at the moment, you will see all your individual investments. And if we would like to go and and make a change to any of the investments, like, for example, with the Bennelong investment, we would obviously go and do all the research. I would present everything in a new statement of advice for you, run through the changes, and then you would have to sign the document and agree to the changes before we can make any changes. So from a paperwork compliance point of view, it is quite lengthy in that process to obviously put everything together.\n\nThe diff with the SMA is that you would be not invested in each and every single investment. You would be invested in the the SMA product itself. So you would still have a range of underlying investment, but the difference is that because you're invested in the the SMA product, we can then easily chop and change investment. If we foresee that one investment isn't going to do well, we can very quickly do that in the back end. You will still get notified of the change, but you don't have to go through the s the SOA process or and approve and agree through the change in order for us to make the change.\n\nSo it eliminates the the kind of the compliance and the research side of it, which is you just invested in the SMA. But it allows us to kind of do a bit more of that active approach underlying to your investment. And, obviously, partnering up with BlackRock, we obviously jointly do all their investment knowledge and resources and tools and stuff like that. We have access through with the SMA investment, but it will mean that you would have a little bit less oversight of when we are making changes to your investment. Is that something you are comfortable with if I do the research and it's going to put you in a better position than what you currently have, or do you prefer the the model you have now where we present the change and you decide if you're happy with the change before we make a change?\n\nHappy with the current model? Okay. Perfect. That's good. I'll still review your current investment, though, and see if if we can make changes, especially that Benelung because it has underperformed a little bit.\n\nObviously, there's been a lot of changes to reinvestments since and, been a bit of cyclical with the market, but that been along, we kind of don't foresee it changing too much, so we wanna, look to change that. So I'll go and do some research on that investment for you, keep you in a high growth portfolio, also factoring in that we wanna minimize the capital gains tax and, obviously, selling investments. I'll put all of that in a research document for you and present it, and then you can let me know if you're happy with the change and what your thoughts are. Perfect. Perfect.\n\nNow it will take me a a couple of weeks to get all of this together. But as soon as I do, I'll give you a call, run through it, and then we can take it from there. Yep. Perfect. Now the last thing is then if you are able to click on that sign document, you will see, I believe, there's true attachments.\n\nAnd it should yes. So that one is to say that you're obviously happy to stay on as a client for us to service and manage everything for you. It's not a locking contract at any point in time. So if at any point in time you are not happy with your services, you can cancel at any time. There is no locking contract.\n\nSo this essentially just allows us to keep servicing your account in the meantime. Now you will see here as well that, obviously, with the fees, because your your partner is a client, that has been reduced. So it's only 1.1% ongoing from your due valuation balance. Nothing out of pocket. No changes to that otherwise.\n\nAnd then I think perfect. And then I think the last one that I'll ask you to sign is just a tax file number consent form. It's just to say that we're keeping your tax file number secure and safe on file. So it perfect. So if you're happy to do so, if you wanna click and sign those documents, that will then come through to me.\n\nI'll get that processed in the back end. And then in the meantime, I will also go and do that research on your super invest. Perfect. Is there anything else you would like me to research or have a look at for you, or it's mainly just just to see how those investments are changing potentially? Yep.\n\nPerfect. Yep. Okay. Perfect. If it's sometimes it takes a little bit to come back.\n\nSo if it says it's completed and assigned on your end, I'm sure it'll pop up on on my end in a couple of minutes. But, otherwise, I will let you go and enjoy the rest of your day at work. So thank you so much for your time this morning. And like I said, I'll be in touch in a couple of weeks to run through all that research with the investments for you. Yep.\n\nPerfect. Do you have any other questions for me before I let you go all the way? Nope. Okay. Perfect.\n\nI will also get the team to email you that lawyer information and then post out those beneficial reforms as well. So, obviously, take your time and understand what you would like to do with those. Yep. Perfect. Well, thank you so much, Emmy, and I hope you have a lovely rest of your day.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Emmy.","start":3.4399998,"end":4.24,"sentiment":"neutral","sentiment_score":0.22639266153176626},{"text":"It's Veronica from OQ Financial.","start":4.24,"end":6.66,"sentiment":"neutral","sentiment_score":0.1652710556983948},{"text":"How are you?","start":6.7999997,"end":7.54,"sentiment":"neutral","sentiment_score":0.1857570856809616},{"text":"Yeah.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.5014778971672058},{"text":"I'm good.","start":9.44,"end":9.92,"sentiment":"positive","sentiment_score":0.6850794851779938}],"sentiment":"neutral","sentiment_score":0.28103152768952505,"num_words":14,"start":3.4399998,"end":9.92},{"sentences":[{"text":"Thanks.","start":9.92,"end":10.42,"sentiment":"positive","sentiment_score":0.7156296968460083},{"text":"I had you booked in to complete your under review.","start":11.28,"end":14.0,"sentiment":"positive","sentiment_score":0.37030790448188783},{"text":"Is now still a good time for you?","start":14.0,"end":15.765,"sentiment":"neutral","sentiment_score":0.32905179634690285},{"text":"Yes.","start":17.445,"end":17.925,"sentiment":"neutral","sentiment_score":0.29659175872802734},{"text":"Perfect.","start":17.925,"end":18.425,"sentiment":"positive","sentiment_score":0.4699140787124634}],"sentiment":"positive","sentiment_score":0.37226804523240953,"num_words":21,"start":9.92,"end":18.425},{"sentences":[{"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 with you.","start":18.885,"end":26.585,"sentiment":"neutral","sentiment_score":0.05045292388287283},{"text":"Yep.","start":28.18,"end":28.5,"sentiment":"neutral","sentiment_score":0.1615993082523346},{"text":"Perfect.","start":28.5,"end":29.0,"sentiment":"neutral","sentiment_score":0.2853924632072449},{"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":29.060001,"end":36.28,"sentiment":"neutral","sentiment_score":0.0763914417475462},{"text":"Yep.","start":41.635,"end":42.135,"sentiment":"neutral","sentiment_score":0.02950792759656906}],"sentiment":"neutral","sentiment_score":0.06711196374769011,"num_words":60,"start":18.885,"end":42.135},{"sentences":[{"text":"Yep.","start":48.274998,"end":48.774998,"sentiment":"neutral","sentiment_score":0.03549396991729736},{"text":"And the state of birth as well, please.","start":48.995,"end":50.695,"sentiment":"neutral","sentiment_score":0.028506879694759846},{"text":"Yep.","start":55.81,"end":56.29,"sentiment":"neutral","sentiment_score":0.07047626376152039},{"text":"Perfect.","start":56.29,"end":56.690002,"sentiment":"neutral","sentiment_score":0.2868525981903076},{"text":"That's exactly what I have here.","start":56.690002,"end":58.47,"sentiment":"positive","sentiment_score":0.39463163415590924}],"sentiment":"neutral","sentiment_score":0.17580398084486232,"num_words":17,"start":48.274998,"end":58.47},{"sentences":[{"text":"Now are do you have access to your emails at the moment, or are you just kind of driving and and on the way to work or something?","start":59.41,"end":65.75,"sentiment":"neutral","sentiment_score":0.03046492932896529},{"text":"Yeah.","start":68.605,"end":68.925,"sentiment":"neutral","sentiment_score":0.04027516394853592},{"text":"Okay.","start":68.925,"end":69.425,"sentiment":"neutral","sentiment_score":0.04127036780118942},{"text":"Do you have the option of getting into your emails this morning or or not not really?","start":69.965004,"end":75.185005,"sentiment":"neutral","sentiment_score":0.020482097807175973},{"text":"Yeah?","start":75.965004,"end":76.465004,"sentiment":"neutral","sentiment_score":0.04574690759181976}],"sentiment":"neutral","sentiment_score":0.027677210901553433,"num_words":48,"start":59.41,"end":76.465004},{"sentences":[{"text":"Yep.","start":76.525,"end":76.845,"sentiment":"neutral","sentiment_score":0.07230871915817261},{"text":"Okay.","start":76.845,"end":77.165,"sentiment":"neutral","sentiment_score":0.15268951654434204},{"text":"Perfect.","start":77.165,"end":77.665,"sentiment":"neutral","sentiment_score":0.25499385595321655},{"text":"So what I'm going to do is I'm going to shortly send you some documents to run through during the annual review, and it does make it a bit easier for you if you can see those at the same time.","start":77.725006,"end":87.159996,"sentiment":"neutral","sentiment_score":0.1763396497543265},{"text":"So that will be processed shortly.","start":88.02,"end":89.799995,"sentiment":"neutral","sentiment_score":0.1086055189371109}],"sentiment":"neutral","sentiment_score":0.16723101690411568,"num_words":50,"start":76.525,"end":89.799995},{"sentences":[{"text":"The the system is a little bit slow this morning, so let me know when that one comes through.","start":89.85999,"end":94.35999,"sentiment":"neutral","sentiment_score":-0.1625974688090776},{"text":"But while I do wait for that to come through, before I kind of jump into the fact finding stuff, I do like to usually 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 extra on.","start":94.81999,"end":110.935,"sentiment":"neutral","sentiment_score":0.005518765679814599},{"text":"No.","start":113.08,"end":113.4,"sentiment":"neutral","sentiment_score":-0.07027997821569443},{"text":"Just just usual review just to see what's happened.","start":113.4,"end":115.98,"sentiment":"neutral","sentiment_score":-0.04177701245579454},{"text":"Yep.","start":116.12,"end":116.62,"sentiment":"neutral","sentiment_score":0.05058752000331879}],"sentiment":"neutral","sentiment_score":-0.03742947488584939,"num_words":85,"start":89.85999,"end":116.62},{"sentences":[{"text":"Perfect.","start":116.76,"end":117.26,"sentiment":"neutral","sentiment_score":0.22543904185295105},{"text":"Now bear with me as I go through.","start":118.44,"end":120.04,"sentiment":"neutral","sentiment_score":0.08751033071894199},{"text":"Just a bit of an updated fact find just to see if there's anything that's changed in your life which might require us to make any changes to your advice at all.","start":120.04,"end":129.315,"sentiment":"neutral","sentiment_score":-0.030101851763902232},{"text":"Now when it comes to your your personal information, I do have you here down as single with no financial dependents.","start":130.735,"end":137.555,"sentiment":"neutral","sentiment_score":0.00001651922329550698},{"text":"Is that correct?","start":137.61499,"end":138.435,"sentiment":"neutral","sentiment_score":0.00876341542849938}],"sentiment":"neutral","sentiment_score":-0.00017077567485662606,"num_words":65,"start":116.76,"end":138.435},{"sentences":[{"text":"Oh, perfect.","start":143.49,"end":144.21,"sentiment":"neutral","sentiment_score":0.1613236926496029},{"text":"Well oh, congratulations.","start":144.21,"end":146.79001,"sentiment":"positive","sentiment_score":0.43740514169136685},{"text":"That's very exciting.","start":148.37,"end":149.35,"sentiment":"positive","sentiment_score":0.7709704836209615},{"text":"And what's your your partner's name?","start":151.745,"end":153.925,"sentiment":"neutral","sentiment_score":0.03779369592666626},{"text":"Perfect.","start":160.065,"end":160.565,"sentiment":"neutral","sentiment_score":0.13552124798297882}],"sentiment":"neutral","sentiment_score":0.28733717898527783,"num_words":15,"start":143.49,"end":160.565},{"sentences":[{"text":"Michael.","start":160.625,"end":161.125,"sentiment":"neutral","sentiment_score":0.03459492325782776},{"text":"And what was the last name?","start":161.265,"end":162.385,"sentiment":"neutral","sentiment_score":0.0067208686377853155},{"text":"Sorry.","start":162.385,"end":162.885,"sentiment":"neutral","sentiment_score":-0.015474149957299232},{"text":"M I a.","start":165.64,"end":166.7,"sentiment":"neutral","sentiment_score":0.001999638043344021},{"text":"Perfect.","start":166.84,"end":167.34,"sentiment":"neutral","sentiment_score":0.08698610961437225}],"sentiment":"neutral","sentiment_score":0.01270258407263706,"num_words":12,"start":160.625,"end":167.34},{"sentences":[{"text":"Let me just triple check.","start":169.16,"end":170.92,"sentiment":"neutral","sentiment_score":0.04277590736746788},{"text":"And the phone number that we would have for him that hasn't changed?","start":170.92,"end":176.38,"sentiment":"neutral","sentiment_score":0.0031206655101134228},{"text":"No.","start":177.455,"end":177.955,"sentiment":"neutral","sentiment_score":-0.041838716715574265},{"text":"00.","start":185.455,"end":186.095,"sentiment":"neutral","sentiment_score":-0.0038523897528648376},{"text":"Yeah.","start":186.095,"end":186.49501,"sentiment":"neutral","sentiment_score":0.00954512134194374}],"sentiment":"neutral","sentiment_score":0.010395343016300882,"num_words":21,"start":169.16,"end":186.49501},{"sentences":[{"text":"Perfect.","start":186.49501,"end":186.99501,"sentiment":"neutral","sentiment_score":0.025896675884723663},{"text":"Yep.","start":189.79001,"end":190.29001,"sentiment":"neutral","sentiment_score":-0.007741402368992567},{"text":"Okay.","start":191.55,"end":191.95,"sentiment":"neutral","sentiment_score":0.09734269976615906},{"text":"Perfect.","start":191.95,"end":192.35,"sentiment":"positive","sentiment_score":0.3935684859752655},{"text":"Thank you so much.","start":192.35,"end":193.41,"sentiment":"positive","sentiment_score":0.613190695643425}],"sentiment":"positive","sentiment_score":0.37022865522885695,"num_words":8,"start":186.49501,"end":193.41},{"sentences":[{"text":"Now would you like him nominated as your next of kin as well?","start":193.95,"end":198.05,"sentiment":"neutral","sentiment_score":0.21360780069461235},{"text":"Would you wanna nominate someone else?","start":198.51001,"end":200.37001,"sentiment":"neutral","sentiment_score":0.04895437632997831},{"text":"Yeah.","start":201.405,"end":201.905,"sentiment":"neutral","sentiment_score":0.03563028201460838},{"text":"Yep.","start":203.085,"end":203.485,"sentiment":"neutral","sentiment_score":0.09887944161891936},{"text":"Great.","start":203.485,"end":203.985,"sentiment":"positive","sentiment_score":0.3441554307937622}],"sentiment":"neutral","sentiment_score":0.16133149188350548,"num_words":22,"start":193.95,"end":203.985},{"sentences":[{"text":"Perfect.","start":204.045,"end":204.545,"sentiment":"neutral","sentiment_score":0.21928900480270383},{"text":"Still no financial dependence?","start":205.645,"end":207.345,"sentiment":"neutral","sentiment_score":0.048573880922049284},{"text":"No.","start":209.325,"end":209.825,"sentiment":"neutral","sentiment_score":-0.01303471066057682},{"text":"Perfect.","start":209.88501,"end":210.38501,"sentiment":"neutral","sentiment_score":0.02979164570569992},{"text":"Now when it comes to your occupation as well, has any of that changed?","start":211.965,"end":217.22,"sentiment":"neutral","sentiment_score":-0.012075019867292472}],"sentiment":"neutral","sentiment_score":0.012442437399710928,"num_words":21,"start":204.045,"end":217.22},{"sentences":[{"text":"Are you still a a reliability engineer?","start":217.22,"end":219.87999,"sentiment":"neutral","sentiment_score":-0.020006821091685976},{"text":"Alright.","start":224.5,"end":224.9,"sentiment":"neutral","sentiment_score":0.03334343060851097},{"text":"Perfect.","start":224.9,"end":225.29999,"sentiment":"neutral","sentiment_score":0.07084368169307709},{"text":"And what's their occupation title?","start":225.29999,"end":226.73999,"sentiment":"neutral","sentiment_score":0.0015091318637132645},{"text":"Sorry.","start":226.73999,"end":227.06,"sentiment":"neutral","sentiment_score":-0.07046544551849365}],"sentiment":"neutral","sentiment_score":-0.006585361436009407,"num_words":15,"start":217.22,"end":227.06},{"sentences":[{"text":"I just missed that.","start":227.06,"end":228.12,"sentiment":"neutral","sentiment_score":-0.09391875565052032},{"text":"Okay.","start":233.47499,"end":233.875,"sentiment":"neutral","sentiment_score":0.03194762021303177},{"text":"Perfect.","start":233.875,"end":234.375,"sentiment":"neutral","sentiment_score":0.06932086497545242},{"text":"But still for, yeah, Rio Tinto.","start":235.39499,"end":237.17499,"sentiment":"neutral","sentiment_score":0.019427192397415638},{"text":"Yep.","start":240.59499,"end":240.93,"sentiment":"neutral","sentiment_score":0.02222822979092598}],"sentiment":"neutral","sentiment_score":-0.010431934864475178,"num_words":13,"start":227.06,"end":240.93},{"sentences":[{"text":"Now I have your income here as a 130,000 of last time we spoke.","start":242.29,"end":247.48999,"sentiment":"neutral","sentiment_score":-0.0028128367183463915},{"text":"Is that still the case, or has that been changed at all?","start":247.48999,"end":250.79,"sentiment":"neutral","sentiment_score":-0.02915762768437465},{"text":"Oh, perfect.","start":256.14502,"end":256.785,"sentiment":"neutral","sentiment_score":0.04067876376211643},{"text":"250 to 250?","start":256.785,"end":258.725,"sentiment":"neutral","sentiment_score":0.018685922647515934},{"text":"Yep.","start":260.465,"end":260.965,"sentiment":"neutral","sentiment_score":0.052337005734443665}],"sentiment":"neutral","sentiment_score":-0.00623496703337878,"num_words":32,"start":242.29,"end":260.965},{"sentences":[{"text":"Yep.","start":261.105,"end":261.58502,"sentiment":"neutral","sentiment_score":0.11719316244125366},{"text":"Perfect.","start":261.58502,"end":262.08502,"sentiment":"positive","sentiment_score":0.406169593334198},{"text":"That's a nice little increase.","start":262.385,"end":263.765,"sentiment":"positive","sentiment_score":0.5615577936172486},{"text":"Yeah.","start":266.40002,"end":266.90002,"sentiment":"neutral","sentiment_score":-0.015880612656474113},{"text":"Now do you get paid any, like, bonuses or overtime or or extra allowances and stuff, or is that kind of your base pay?","start":267.68002,"end":276.34003,"sentiment":"neutral","sentiment_score":0.038836580235511065}],"sentiment":"neutral","sentiment_score":0.13272965740179643,"num_words":32,"start":261.105,"end":276.34003},{"sentences":[{"text":"Yep.","start":278.975,"end":279.475,"sentiment":"neutral","sentiment_score":0.17963670194149017},{"text":"Yep.","start":281.29498,"end":281.775,"sentiment":"neutral","sentiment_score":0.2570033669471741},{"text":"Perfect.","start":281.775,"end":282.275,"sentiment":"positive","sentiment_score":0.6617027521133423},{"text":"Great.","start":284.095,"end":284.595,"sentiment":"positive","sentiment_score":0.6276488304138184},{"text":"Now I do have here your your savings around $1,200 a week.","start":286.975,"end":292.44,"sentiment":"positive","sentiment_score":0.338636189699173}],"sentiment":"positive","sentiment_score":0.3618516204878688,"num_words":16,"start":278.975,"end":292.44},{"sentences":[{"text":"Is that still roughly the case?","start":292.44,"end":295.18,"sentiment":"neutral","sentiment_score":0.1171843543027838},{"text":"No.","start":306.935,"end":307.175,"sentiment":"neutral","sentiment_score":-0.20694363117218015},{"text":"That's okay.","start":307.175,"end":307.91498,"sentiment":"neutral","sentiment_score":-0.07759963162243366},{"text":"Okay.","start":321.67,"end":322.15,"sentiment":"neutral","sentiment_score":0.1569235473871231},{"text":"Perfect.","start":322.15,"end":322.65,"sentiment":"positive","sentiment_score":0.33809298276901245}],"sentiment":"neutral","sentiment_score":0.07599816014143554,"num_words":11,"start":292.44,"end":322.65},{"sentences":[{"text":"And savings, do you know roughly?","start":324.71,"end":327.53,"sentiment":"neutral","sentiment_score":0.10368730624516805},{"text":"500.","start":335.495,"end":336.135,"sentiment":"neutral","sentiment_score":0.04114840179681778},{"text":"Okay.","start":336.135,"end":336.535,"sentiment":"neutral","sentiment_score":0.1499328911304474},{"text":"Perfect.","start":336.535,"end":337.035,"sentiment":"neutral","sentiment_score":0.31510162353515625},{"text":"Great.","start":337.255,"end":337.755,"sentiment":"positive","sentiment_score":0.3892385363578797}],"sentiment":"neutral","sentiment_score":0.15175452902913095,"num_words":10,"start":324.71,"end":337.755},{"sentences":[{"text":"Now with your employer as well with the the income, do you know if they pay you the the standard 12% employer contributions going into superannuation?","start":338.855,"end":348.68,"sentiment":"neutral","sentiment_score":0.0857567461923911},{"text":"Hundred and okay.","start":358.755,"end":360.67502,"sentiment":"neutral","sentiment_score":0.12755780667066574},{"text":"Perfect.","start":360.67502,"end":361.17502,"sentiment":"positive","sentiment_score":0.4491450488567352},{"text":"Because I was going to say as well that if it was the $2.50, it does get to you very close to the the contribution cap.","start":361.795,"end":370.35,"sentiment":"neutral","sentiment_score":0.245247262601669},{"text":"So I did wanted to to check that.","start":370.59,"end":372.43,"sentiment":"neutral","sentiment_score":0.11024571862071753}],"sentiment":"neutral","sentiment_score":0.16124825697625056,"num_words":64,"start":338.855,"end":372.43},{"sentences":[{"text":"So if it is 12% at a 190 7,000 perfect.","start":372.43,"end":379.01,"sentiment":"neutral","sentiment_score":0.08990276828408242},{"text":"Do you know if you get contributions on your bonus as well?","start":381.39,"end":384.77002,"sentiment":"neutral","sentiment_score":0.08417634510745604},{"text":"Yes.","start":387.075,"end":387.575,"sentiment":"neutral","sentiment_score":0.07701168954372406},{"text":"Typically, most employers do cover it.","start":387.715,"end":391.495,"sentiment":"neutral","sentiment_score":0.07393350700537364},{"text":"And do you know if that would yeah.","start":391.95502,"end":394.45502,"sentiment":"neutral","sentiment_score":0.036156490445137024}],"sentiment":"neutral","sentiment_score":0.07348671565587456,"num_words":37,"start":372.43,"end":394.45502},{"sentences":[{"text":"And do you know if that would be 10% of a 197 or 10% of the two fifty?","start":395.075,"end":400.695,"sentiment":"neutral","sentiment_score":0.03188542587061723},{"text":"Okay.","start":404.09003,"end":404.59003,"sentiment":"neutral","sentiment_score":0.17165303230285645},{"text":"Perfect.","start":404.73,"end":405.23,"sentiment":"neutral","sentiment_score":0.3270701766014099},{"text":"Now are you making any salary sacrifice contributions as well?","start":406.97,"end":412.35,"sentiment":"neutral","sentiment_score":0.09794945791363716},{"text":"So you do not salary sacrifice.","start":426.09,"end":428.35,"sentiment":"neutral","sentiment_score":-0.02391015241543452}],"sentiment":"neutral","sentiment_score":0.05301929275608725,"num_words":36,"start":395.075,"end":428.35},{"sentences":[{"text":"You do it like extra contributions after tax?","start":428.65,"end":431.63,"sentiment":"neutral","sentiment_score":0.024823961779475212},{"text":"Let me just go in your account and have a look here because I know you now with the new income are getting really close to that cap space.","start":434.17,"end":440.19,"sentiment":"neutral","sentiment_score":0.06179977067071816},{"text":"So let me have a look if I can see it in your account.","start":441.895,"end":445.835,"sentiment":"neutral","sentiment_score":0.08250660608921732},{"text":"Now I can see a contribution going into your account on the March 3 for 2,392.","start":449.495,"end":457.32,"sentiment":"neutral","sentiment_score":0.08611168013885617},{"text":"I think that's just from the from the employer.","start":457.32,"end":459.58002,"sentiment":"neutral","sentiment_score":0.05381207209494379}],"sentiment":"neutral","sentiment_score":0.06589438236857716,"num_words":76,"start":428.65,"end":459.58002},{"sentences":[{"text":"And then another one on the first of the thirtieth.","start":460.44,"end":463.18002,"sentiment":"neutral","sentiment_score":0.03456902373582125},{"text":"Let me see here.","start":465.64,"end":467.1,"sentiment":"neutral","sentiment_score":0.02551012532785535},{"text":"And then on the staff.","start":469.045,"end":470.165,"sentiment":"neutral","sentiment_score":0.00002389419823884964},{"text":"So I can't see any additional contribution from your alright.","start":470.165,"end":475.14502,"sentiment":"neutral","sentiment_score":-0.06322507439181209},{"text":"Okay.","start":481.78,"end":482.18002,"sentiment":"neutral","sentiment_score":0.18075264990329745}],"sentiment":"neutral","sentiment_score":-0.00012159614513317652,"num_words":30,"start":460.44,"end":482.18002},{"sentences":[{"text":"Perfect.","start":482.18002,"end":482.68002,"sentiment":"positive","sentiment_score":0.3543163537979126},{"text":"Okay.","start":486.90002,"end":487.40002,"sentiment":"neutral","sentiment_score":0.08027961105108261},{"text":"And will that roughly be, like, same amount, or do you know how much extra you would put in?","start":487.62003,"end":493.88,"sentiment":"neutral","sentiment_score":0.049325600266456604},{"text":"Okay.","start":513.66003,"end":514.16003,"sentiment":"neutral","sentiment_score":0.15658611059188843},{"text":"Perfect.","start":514.3,"end":514.8,"sentiment":"neutral","sentiment_score":0.308488130569458}],"sentiment":"neutral","sentiment_score":0.07986333091621814,"num_words":23,"start":482.18002,"end":514.8},{"sentences":[{"text":"I'm sorry.","start":515.26,"end":515.82,"sentiment":"neutral","sentiment_score":0.008071835152804852},{"text":"So that would be obviously the standard from your employer.","start":515.82,"end":518.64,"sentiment":"neutral","sentiment_score":-0.010610900074243545},{"text":"So do you say that you do extra yourself?","start":520.165,"end":522.905,"sentiment":"neutral","sentiment_score":0.00777843263414171},{"text":"Yes.","start":526.405,"end":526.905,"sentiment":"neutral","sentiment_score":0.07508836686611176},{"text":"Super.","start":526.965,"end":527.465,"sentiment":"neutral","sentiment_score":0.1382605880498886}],"sentiment":"neutral","sentiment_score":0.00840823992115,"num_words":23,"start":515.26,"end":527.465},{"sentences":[{"text":"Yes.","start":527.84503,"end":528.34503,"sentiment":"neutral","sentiment_score":0.06691645085811615},{"text":"No.","start":529.925,"end":530.245,"sentiment":"neutral","sentiment_score":-0.06920876353979111},{"text":"Okay.","start":530.245,"end":530.645,"sentiment":"neutral","sentiment_score":-0.0011552032083272934},{"text":"Perfect.","start":530.645,"end":531.045,"sentiment":"neutral","sentiment_score":0.03602181375026703},{"text":"No.","start":531.045,"end":531.205,"sentiment":"neutral","sentiment_score":-0.08826521039009094}],"sentiment":"neutral","sentiment_score":-0.011138182505965233,"num_words":5,"start":527.84503,"end":531.205},{"sentences":[{"text":"Because I was going no.","start":531.205,"end":532.805,"sentiment":"neutral","sentiment_score":-0.09982562214136123},{"text":"That's okay.","start":532.805,"end":533.205,"sentiment":"neutral","sentiment_score":-0.06758123636245728},{"text":"Because I was going through all the transaction.","start":533.205,"end":534.645,"sentiment":"neutral","sentiment_score":-0.08125004079192877},{"text":"I'm like, I can't see I can't see that.","start":534.645,"end":536.86,"sentiment":"neutral","sentiment_score":-0.1028660958011945},{"text":"So, yeah, that's great.","start":536.86,"end":538.0,"sentiment":"neutral","sentiment_score":0.2934041656553745}],"sentiment":"neutral","sentiment_score":-0.037016753905585835,"num_words":28,"start":531.205,"end":538.0},{"sentences":[{"text":"Perfect.","start":538.62,"end":539.12,"sentiment":"neutral","sentiment_score":0.23686712980270383},{"text":"Sorry.","start":539.42,"end":539.66,"sentiment":"neutral","sentiment_score":0.06474418938159943},{"text":"Just from that employer, yeah, which which is good.","start":539.66,"end":541.92,"sentiment":"neutral","sentiment_score":0.18558565941121843},{"text":"Now do you know if if you do get close through the cap space of the 30,000, do you know if your employer will continue to pay you the contributions on your income, or do you know if they stop at 30,000?","start":544.22,"end":559.855,"sentiment":"neutral","sentiment_score":-0.017803121901427705},{"text":"They continue?","start":562.58,"end":563.32,"sentiment":"neutral","sentiment_score":-0.011925996281206608}],"sentiment":"neutral","sentiment_score":0.02182362075387077,"num_words":55,"start":538.62,"end":563.32},{"sentences":[{"text":"Yeah.","start":563.38,"end":563.78,"sentiment":"neutral","sentiment_score":0.012527408078312874},{"text":"Yeah.","start":563.78,"end":564.10004,"sentiment":"neutral","sentiment_score":0.003613736480474472},{"text":"Because sometimes, legally, they only have to to cover up to the 30,000.","start":564.10004,"end":569.46,"sentiment":"neutral","sentiment_score":-0.054124943912029266},{"text":"They can cut it off.","start":569.46,"end":570.84,"sentiment":"neutral","sentiment_score":-0.0687709927558899},{"text":"Some employers still honor it, and they're paying more.","start":570.98004,"end":573.88,"sentiment":"neutral","sentiment_score":0.06200341507792473}],"sentiment":"neutral","sentiment_score":-0.016320943254335172,"num_words":29,"start":563.38,"end":573.88},{"sentences":[{"text":"So they still honor it and keep it based on your your income.","start":574.34,"end":577.54004,"sentiment":"neutral","sentiment_score":0.13365978461045486},{"text":"And, obviously, you're working for a very big company.","start":577.54004,"end":579.355,"sentiment":"neutral","sentiment_score":0.007507512552870644},{"text":"That can be the case.","start":579.355,"end":580.495,"sentiment":"neutral","sentiment_score":-0.006896192580461502},{"text":"But sometimes they do cut it as 30,000.","start":580.555,"end":582.975,"sentiment":"neutral","sentiment_score":-0.021285397466272116},{"text":"So Yeah.","start":583.835,"end":590.91003,"sentiment":"neutral","sentiment_score":0.008992648683488369}],"sentiment":"neutral","sentiment_score":0.04373962074719571,"num_words":37,"start":574.34,"end":590.91003},{"sentences":[{"text":"Okay.","start":590.97003,"end":591.37,"sentiment":"neutral","sentiment_score":0.06123729422688484},{"text":"Perfect.","start":591.37,"end":591.87,"sentiment":"neutral","sentiment_score":0.16195154190063477},{"text":"Oh, that's that's very good.","start":592.01,"end":593.21,"sentiment":"neutral","sentiment_score":0.2921469107270241},{"text":"That's a good arrangement.","start":593.21,"end":594.19,"sentiment":"positive","sentiment_score":0.540282592177391},{"text":"Now, otherwise, with your assets and your liabilities, I have here your property was last died at about 680,000.","start":596.01,"end":605.71,"sentiment":"neutral","sentiment_score":-0.005734668113291264}],"sentiment":"neutral","sentiment_score":0.12453650214398901,"num_words":30,"start":590.97003,"end":605.71},{"sentences":[{"text":"560.","start":611.625,"end":612.845,"sentiment":"neutral","sentiment_score":0.02600041031837463},{"text":"Great.","start":612.90497,"end":613.225,"sentiment":"neutral","sentiment_score":0.2845853567123413},{"text":"Perfect.","start":613.225,"end":613.725,"sentiment":"neutral","sentiment_score":0.20953425765037537},{"text":"Now do you have a mortgage attached to that one at all?","start":614.02496,"end":616.765,"sentiment":"neutral","sentiment_score":0.018911762395873666},{"text":"The the one in Brisbane, the 15 yeah.","start":623.24,"end":627.66003,"sentiment":"neutral","sentiment_score":0.000962880440056324}],"sentiment":"neutral","sentiment_score":0.0328158355196533,"num_words":23,"start":611.625,"end":627.66003},{"sentences":[{"text":"Yes.","start":629.08,"end":629.58,"sentiment":"neutral","sentiment_score":0.005742727778851986},{"text":"Oh, okay.","start":630.375,"end":630.935,"sentiment":"neutral","sentiment_score":0.020594153553247452},{"text":"Perfect.","start":630.935,"end":631.435,"sentiment":"neutral","sentiment_score":0.057815343141555786},{"text":"So that one is sold.","start":631.495,"end":633.59503,"sentiment":"neutral","sentiment_score":0.026891022548079492},{"text":"Sorry.","start":635.255,"end":635.755,"sentiment":"neutral","sentiment_score":-0.015724938362836838}],"sentiment":"neutral","sentiment_score":0.02234765524044633,"num_words":10,"start":629.08,"end":635.755},{"sentences":[{"text":"Is the one that you you guys live in the 3 Gamble Street, or is that an investment property?","start":635.815,"end":642.715,"sentiment":"neutral","sentiment_score":-0.018445997253844614},{"text":"Okay.","start":644.63,"end":645.02997,"sentiment":"neutral","sentiment_score":0.025844674557447433},{"text":"Perfect.","start":645.02997,"end":645.43,"sentiment":"neutral","sentiment_score":0.056409113109111786},{"text":"Let me change that investment property.","start":645.43,"end":648.89,"sentiment":"neutral","sentiment_score":0.02072985687603553},{"text":"Now do you know how much that one is valued at roughly?","start":649.75,"end":652.65,"sentiment":"neutral","sentiment_score":0.0020509051779905954}],"sentiment":"neutral","sentiment_score":-0.0030571835067791818,"num_words":39,"start":635.815,"end":652.65},{"sentences":[{"text":"Oh, perfect.","start":657.84503,"end":658.66504,"sentiment":"neutral","sentiment_score":0.03737755864858627},{"text":"And I had here last mortgage was around $6.40.","start":660.645,"end":663.945,"sentiment":"neutral","sentiment_score":0.006960675534274843},{"text":"$5.60.","start":667.94,"end":668.66003,"sentiment":"neutral","sentiment_score":0.009915820322930813},{"text":"Okay.","start":668.66003,"end":668.98004,"sentiment":"neutral","sentiment_score":0.05856121703982353},{"text":"Perfect.","start":668.98004,"end":669.48004,"sentiment":"neutral","sentiment_score":0.1040974259376526}],"sentiment":"neutral","sentiment_score":0.02214111860043236,"num_words":14,"start":657.84503,"end":669.48004},{"sentences":[{"text":"Now the property that that you live in, is that a rental, or do you have another property?","start":671.30005,"end":676.60004,"sentiment":"neutral","sentiment_score":0.003129410557448864},{"text":"Alright.","start":681.39496,"end":681.63495,"sentiment":"neutral","sentiment_score":0.03773249685764313},{"text":"Okay.","start":681.63495,"end":682.035,"sentiment":"neutral","sentiment_score":0.05740680173039436},{"text":"Perfect.","start":682.035,"end":682.535,"sentiment":"neutral","sentiment_score":0.08281422406435013},{"text":"Yep.","start":682.755,"end":683.255,"sentiment":"neutral","sentiment_score":0.04762769863009453}],"sentiment":"neutral","sentiment_score":0.01281411869620735,"num_words":22,"start":671.30005,"end":683.255},{"sentences":[{"text":"But this investment property on Gamble Street, that's yours?","start":683.875,"end":686.935,"sentiment":"neutral","sentiment_score":0.025924024275607534},{"text":"Yep.","start":688.195,"end":688.51495,"sentiment":"neutral","sentiment_score":0.049712173640728},{"text":"Okay.","start":688.51495,"end":688.915,"sentiment":"neutral","sentiment_score":0.114418163895607},{"text":"Great.","start":688.915,"end":689.415,"sentiment":"neutral","sentiment_score":0.1997467279434204},{"text":"Now I also have a a motor vehicle right at about 25,000.","start":690.27496,"end":694.055,"sentiment":"neutral","sentiment_score":0.08315023966133595}],"sentiment":"neutral","sentiment_score":0.0664581733290106,"num_words":24,"start":683.875,"end":694.055},{"sentences":[{"text":"Yep.","start":696.56995,"end":696.81,"sentiment":"neutral","sentiment_score":0.13599544763565063},{"text":"Perfect.","start":696.81,"end":697.05,"sentiment":"neutral","sentiment_score":0.26658159494400024},{"text":"And you don't have anything owing on that one, do you?","start":697.05,"end":699.38995,"sentiment":"neutral","sentiment_score":0.10798458416353572},{"text":"That's great.","start":700.41,"end":701.31,"sentiment":"positive","sentiment_score":0.42097513377666473},{"text":"I do also have here some shares on a Comtech account for about 102,000.","start":701.44995,"end":706.26996,"sentiment":"neutral","sentiment_score":0.15625086267079627}],"sentiment":"neutral","sentiment_score":0.1593058556318283,"num_words":29,"start":696.56995,"end":706.26996},{"sentences":[{"text":"Awesome.","start":711.225,"end":711.385,"sentiment":"positive","sentiment_score":0.5461766123771667},{"text":"Alright.","start":711.385,"end":711.865,"sentiment":"neutral","sentiment_score":0.27479270100593567},{"text":"Perfect.","start":711.865,"end":712.365,"sentiment":"positive","sentiment_score":0.3986895680427551},{"text":"So is that a, like, an offset account or anything or just like a savings account?","start":713.46497,"end":718.605,"sentiment":"neutral","sentiment_score":0.05186917702667415},{"text":"Offset.","start":719.08,"end":719.58,"sentiment":"neutral","sentiment_score":0.012207130901515484}],"sentiment":"neutral","sentiment_score":0.10308864223770797,"num_words":20,"start":711.225,"end":719.58},{"sentences":[{"text":"Yep.","start":721.56,"end":721.96,"sentiment":"neutral","sentiment_score":0.1146719977259636},{"text":"Perfect.","start":721.96,"end":722.46,"sentiment":"neutral","sentiment_score":0.2177729606628418},{"text":"Do you know roughly how much you have in the offset account, like, roughly?","start":722.6,"end":726.46,"sentiment":"neutral","sentiment_score":0.07726799537028585},{"text":"Perfect.","start":729.32,"end":729.82,"sentiment":"neutral","sentiment_score":0.3082239627838135},{"text":"Thank you.","start":729.96,"end":730.7,"sentiment":"positive","sentiment_score":0.38263407349586487}],"sentiment":"neutral","sentiment_score":0.13093100017622897,"num_words":19,"start":721.56,"end":730.7},{"sentences":[{"text":"Now do you also have the South 32 shares for 5,000?","start":731.245,"end":735.50494,"sentiment":"neutral","sentiment_score":0.059529112482612785},{"text":"No.","start":736.76495,"end":737.26495,"sentiment":"neutral","sentiment_score":-0.03339197859168053},{"text":"Sold.","start":737.485,"end":737.96497,"sentiment":"neutral","sentiment_score":0.0009271986782550812},{"text":"Great.","start":737.96497,"end":738.46497,"sentiment":"neutral","sentiment_score":0.2796252965927124},{"text":"Perfect.","start":738.52496,"end":739.02496,"sentiment":"neutral","sentiment_score":0.28450459241867065}],"sentiment":"neutral","sentiment_score":0.07909902309377988,"num_words":15,"start":731.245,"end":739.02496},{"sentences":[{"text":"Any other assets that we haven't gone over or any other changes?","start":740.365,"end":744.14496,"sentiment":"neutral","sentiment_score":0.0916163024182121},{"text":"Yep.","start":750.68,"end":751.07996,"sentiment":"neutral","sentiment_score":0.0353844091296196},{"text":"Perfect.","start":751.07996,"end":751.57996,"sentiment":"neutral","sentiment_score":0.1186484843492508},{"text":"Yeah.","start":754.75995,"end":755.07996,"sentiment":"neutral","sentiment_score":0.06430059671401978},{"text":"Perfect.","start":755.07996,"end":755.57996,"sentiment":"neutral","sentiment_score":0.1133267730474472}],"sentiment":"neutral","sentiment_score":0.08944099326618016,"num_words":16,"start":740.365,"end":755.57996},{"sentences":[{"text":"Yeah.","start":767.495,"end":767.895,"sentiment":"neutral","sentiment_score":0.009967872872948648},{"text":"About 12,000, did you say?","start":767.895,"end":769.755,"sentiment":"neutral","sentiment_score":0.006978359445929528},{"text":"Yes.","start":771.03,"end":771.35004,"sentiment":"neutral","sentiment_score":0.02817413210868835},{"text":"Correct.","start":771.35004,"end":771.85004,"sentiment":"neutral","sentiment_score":0.036260440945625305},{"text":"Yep.","start":774.71,"end":775.21,"sentiment":"neutral","sentiment_score":0.03258959576487541}],"sentiment":"neutral","sentiment_score":0.015764870991309483,"num_words":9,"start":767.495,"end":775.21},{"sentences":[{"text":"That's okay.","start":789.76495,"end":790.58496,"sentiment":"neutral","sentiment_score":0.06409181654453278},{"text":"Great.","start":799.14,"end":799.64,"sentiment":"positive","sentiment_score":0.4290592670440674},{"text":"Perfect.","start":799.77997,"end":800.27997,"sentiment":"positive","sentiment_score":0.4055281281471253},{"text":"I'll update that.","start":800.5,"end":801.72,"sentiment":"positive","sentiment_score":0.40077246228853863},{"text":"Any other liabilities otherwise, like, any other personal loans or credit card?","start":803.22,"end":807.54,"sentiment":"neutral","sentiment_score":0.0049503569801648455}],"sentiment":"neutral","sentiment_score":0.11707856310041327,"num_words":19,"start":789.76495,"end":807.54},{"sentences":[{"text":"No.","start":807.54,"end":807.94,"sentiment":"neutral","sentiment_score":-0.03760180249810219},{"text":"Perfect.","start":807.94,"end":808.44,"sentiment":"neutral","sentiment_score":-0.002719616517424583},{"text":"And you've never been declared bankrupt or been under a part nine debt agreement?","start":808.795,"end":812.575,"sentiment":"neutral","sentiment_score":-0.03890526294708252},{"text":"No.","start":815.515,"end":815.835,"sentiment":"neutral","sentiment_score":-0.0685148537158966},{"text":"No.","start":815.835,"end":816.155,"sentiment":"neutral","sentiment_score":-0.002407774329185486}],"sentiment":"neutral","sentiment_score":-0.03643987379554245,"num_words":18,"start":807.54,"end":816.155},{"sentences":[{"text":"Great.","start":816.155,"end":816.47504,"sentiment":"neutral","sentiment_score":0.19985076785087583},{"text":"Perfect.","start":816.47504,"end":816.97504,"sentiment":"neutral","sentiment_score":0.2012290358543396},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker and no medications.","start":818.395,"end":825.39,"sentiment":"neutral","sentiment_score":0.1048160744830966},{"text":"Is that correct?","start":825.69,"end":826.51,"sentiment":"neutral","sentiment_score":0.06426977117856343},{"text":"Yeah.","start":826.97,"end":827.47,"sentiment":"neutral","sentiment_score":0.04909728467464447}],"sentiment":"neutral","sentiment_score":0.105456526983868,"num_words":22,"start":816.155,"end":827.47},{"sentences":[{"text":"Perfect.","start":827.85,"end":828.35,"sentiment":"neutral","sentiment_score":0.10584206879138948},{"text":"Do you have private health insurance?","start":828.73,"end":830.43,"sentiment":"neutral","sentiment_score":0.055537295838197075},{"text":"Yep.","start":831.61,"end":832.08997,"sentiment":"neutral","sentiment_score":0.07708102464675903},{"text":"Perfect.","start":832.08997,"end":832.49,"sentiment":"neutral","sentiment_score":0.12419645488262177},{"text":"And that's hospitals as well?","start":832.49,"end":834.58997,"sentiment":"neutral","sentiment_score":0.07488710284233094}],"sentiment":"neutral","sentiment_score":0.07248420268297195,"num_words":14,"start":827.85,"end":834.58997},{"sentences":[{"text":"Yeah.","start":836.985,"end":837.485,"sentiment":"neutral","sentiment_score":0.0698990598320961},{"text":"Yeah.","start":838.985,"end":839.385,"sentiment":"neutral","sentiment_score":0.16881847381591797},{"text":"Great.","start":839.385,"end":839.865,"sentiment":"positive","sentiment_score":0.365384042263031},{"text":"Perfect.","start":839.865,"end":840.34503,"sentiment":"positive","sentiment_score":0.3620509207248688},{"text":"Especially with your income as well.","start":840.34503,"end":842.105,"sentiment":"neutral","sentiment_score":0.3166484584410985}],"sentiment":"neutral","sentiment_score":0.2866043247282505,"num_words":10,"start":836.985,"end":842.105},{"sentences":[{"text":"You don't wanna have to pay those additional tax or anything like that.","start":842.105,"end":846.605,"sentiment":"neutral","sentiment_score":0.10063023263445267},{"text":"Now now when it comes to estate planning, do you have a will in place?","start":847.385,"end":852.66003,"sentiment":"neutral","sentiment_score":0.01661841447154681},{"text":"Okay.","start":857.36005,"end":857.76,"sentiment":"neutral","sentiment_score":0.09502383321523666},{"text":"Perfect.","start":857.76,"end":858.26,"sentiment":"neutral","sentiment_score":0.042308393865823746},{"text":"Would you like us to send you some details on pricing of a firm that we work closely with?","start":858.4,"end":864.18,"sentiment":"neutral","sentiment_score":0.03167632692738583}],"sentiment":"neutral","sentiment_score":0.04687044244943833,"num_words":49,"start":842.105,"end":864.18},{"sentences":[{"text":"Yep.","start":865.695,"end":866.015,"sentiment":"positive","sentiment_score":0.34404751658439636},{"text":"Perfect.","start":866.015,"end":866.415,"sentiment":"positive","sentiment_score":0.708779513835907},{"text":"I'll get the team to email that.","start":866.415,"end":867.695,"sentiment":"positive","sentiment_score":0.517916487795966},{"text":"That way, when when you guys are ready to have a look at it, you can always, you know, give them a call or check their pricing and obviously compare that as well.","start":867.695,"end":875.715,"sentiment":"positive","sentiment_score":0.429073025782903},{"text":"Now the other thing is your beneficiary.","start":877.04004,"end":879.14,"sentiment":"neutral","sentiment_score":0.002931067587009498}],"sentiment":"positive","sentiment_score":0.38486060752932516,"num_words":49,"start":865.695,"end":879.14},{"sentences":[{"text":"So at the moment on your superannuation, we don't have anyone nominated.","start":879.28,"end":882.82,"sentiment":"neutral","sentiment_score":-0.04910882096737623},{"text":"So that is if something were to happen to you who you want to receive those the benefits.","start":883.2,"end":889.06,"sentiment":"neutral","sentiment_score":0.011504279242621528},{"text":"Do you know who you would like to nominate?","start":891.095,"end":893.675,"sentiment":"neutral","sentiment_score":0.020392931169933744},{"text":"No?","start":898.055,"end":898.535,"sentiment":"neutral","sentiment_score":-0.11179402470588684},{"text":"That's okay.","start":898.535,"end":899.355,"sentiment":"neutral","sentiment_score":-0.006775244139134886}],"sentiment":"neutral","sentiment_score":-0.007715165659430481,"num_words":42,"start":879.28,"end":899.355},{"sentences":[{"text":"What I'll do, though, is I'll get the team through would you do you have access to a printer?","start":900.935,"end":907.25,"sentiment":"neutral","sentiment_score":0.03047111865721251},{"text":"No?","start":911.94995,"end":912.44995,"sentiment":"neutral","sentiment_score":-0.03867053985595703},{"text":"Otherwise, I'll get the team to post out the forms for you so you have them.","start":912.67,"end":918.20996,"sentiment":"neutral","sentiment_score":0.10003863519523293},{"text":"Take your time to obviously decide who you would like to nominate.","start":918.54504,"end":922.005,"sentiment":"neutral","sentiment_score":0.22696883355577788},{"text":"If you have any questions, because there are only certain people you can nominate directly through superannuation, always give me a call or send me an email.","start":923.10504,"end":930.24506,"sentiment":"neutral","sentiment_score":0.10912229576044613}],"sentiment":"neutral","sentiment_score":0.10414435821274916,"num_words":75,"start":900.935,"end":930.24506},{"sentences":[{"text":"It is important that you do nominate someone at some point.","start":930.86505,"end":935.76996,"sentiment":"neutral","sentiment_score":0.15869124775583093},{"text":"So if something were to happen, it goes to who you would like.","start":935.76996,"end":939.06995,"sentiment":"neutral","sentiment_score":0.13734130675976092},{"text":"So I'll get them to post it out to you.","start":940.49,"end":943.62994,"sentiment":"neutral","sentiment_score":0.1437499590218067},{"text":"Now what's the address?","start":943.85,"end":945.38995,"sentiment":"neutral","sentiment_score":0.07887883111834526},{"text":"Do you are you happy for us to post it to that 228 Beechwood Road, Baywater, WA?","start":946.78503,"end":951.765,"sentiment":"neutral","sentiment_score":0.10081758130999173}],"sentiment":"neutral","sentiment_score":0.12723553654822436,"num_words":55,"start":930.86505,"end":951.765},{"sentences":[{"text":"Yep.","start":952.54504,"end":952.945,"sentiment":"neutral","sentiment_score":0.18445275723934176},{"text":"Perfect.","start":952.945,"end":953.445,"sentiment":"positive","sentiment_score":0.5294068455696106},{"text":"Now that was basically all of our information I had to go through, so thank you for that.","start":956.86505,"end":961.125,"sentiment":"positive","sentiment_score":0.4907997399568558},{"text":"The the next thing is just to quickly run through a bit of an updated risk profile questionnaire, and that is basically just to see if we need to make any changes to your investment portfolio within your superannuation there.","start":961.56,"end":974.265,"sentiment":"neutral","sentiment_score":0.15865585785359143},{"text":"So there's no right or wrong answer or multiple choice to make to make it nice and easy.","start":974.745,"end":981.965,"sentiment":"neutral","sentiment_score":0.11877594474289152}],"sentiment":"neutral","sentiment_score":0.23118533643010336,"num_words":78,"start":952.54504,"end":981.965},{"sentences":[{"text":"If it doesn't make sense, just just let me know.","start":982.505,"end":985.645,"sentiment":"neutral","sentiment_score":-0.1215300776064396},{"text":"Alright.","start":987.64,"end":988.12006,"sentiment":"neutral","sentiment_score":0.1157507598400116},{"text":"Perfect.","start":988.12006,"end":988.62006,"sentiment":"neutral","sentiment_score":0.08863665908575058},{"text":"So at the moment, which can obviously be hard hard to know because it's it's quite far away, but do you know when you are planning on retiring or start accessing your superannuation at all?","start":989.0,"end":1006.505,"sentiment":"neutral","sentiment_score":-0.09241326081433467},{"text":"Okay.","start":1010.96497,"end":1011.46497,"sentiment":"neutral","sentiment_score":0.009608865715563296}],"sentiment":"neutral","sentiment_score":-0.08824517958176632,"num_words":48,"start":982.505,"end":1011.46497},{"sentences":[{"text":"So 45 is when you want to retire.","start":1011.845,"end":1014.425,"sentiment":"neutral","sentiment_score":0.016086073592305183},{"text":"Now with the current legislation, the earliest you can access superannuation is at the age of 60 if you stop working.","start":1016.19995,"end":1022.94,"sentiment":"neutral","sentiment_score":0.000620793551206589},{"text":"So if you're perfect.","start":1023.88,"end":1025.48,"sentiment":"neutral","sentiment_score":0.16913617216050625},{"text":"If you plan to kind of build, obviously, wealth outside superannuation to draw that income for you so that you can ideally retire at 45?","start":1025.48,"end":1034.735,"sentiment":"neutral","sentiment_score":0.1024128021299839},{"text":"Yeah.","start":1035.915,"end":1036.395,"sentiment":"neutral","sentiment_score":0.13385765254497528}],"sentiment":"neutral","sentiment_score":0.05953301097881996,"num_words":59,"start":1011.845,"end":1036.395},{"sentences":[{"text":"Correct.","start":1036.395,"end":1036.795,"sentiment":"neutral","sentiment_score":0.22504109144210815},{"text":"Perfect.","start":1036.795,"end":1037.295,"sentiment":"positive","sentiment_score":0.5199679136276245},{"text":"That's a nice plan.","start":1037.595,"end":1038.735,"sentiment":"positive","sentiment_score":0.6623316258192062},{"text":"But otherwise otherwise, when you turn 60, you would kind of plan to take your superannuation or at least draw an income or something for it.","start":1039.915,"end":1048.39,"sentiment":"neutral","sentiment_score":0.016563464959080402},{"text":"Yeah.","start":1049.33,"end":1049.83,"sentiment":"neutral","sentiment_score":0.010816220194101334}],"sentiment":"neutral","sentiment_score":0.11623641871141666,"num_words":33,"start":1036.395,"end":1049.83},{"sentences":[{"text":"Now the next question is when it comes to inflation.","start":1050.9299,"end":1053.51,"sentiment":"neutral","sentiment_score":-0.05119752548635006},{"text":"So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is is costing a bit more.","start":1053.57,"end":1061.065,"sentiment":"neutral","sentiment_score":-0.16175659298896788},{"text":"Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation.","start":1061.445,"end":1070.12,"sentiment":"neutral","sentiment_score":-0.16422732119207029},{"text":"Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk?","start":1071.38,"end":1078.92,"sentiment":"neutral","sentiment_score":-0.12566625215113164},{"text":"Hi, Patrick.","start":1081.715,"end":1082.535,"sentiment":"neutral","sentiment_score":-0.019404922612011433}],"sentiment":"neutral","sentiment_score":-0.13740669809547917,"num_words":84,"start":1050.9299,"end":1082.535},{"sentences":[{"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 26% due to general trends in the financial markets.","start":1084.595,"end":1097.61,"sentiment":"neutral","sentiment_score":-0.20215617978211606},{"text":"Now would you want to take advantage of that drop in prices by thinking that now is potentially a good time to invest a little bit more if you had the option to do so?","start":1098.1499,"end":1106.97,"sentiment":"neutral","sentiment_score":-0.022395122689860207},{"text":"Would you hold?","start":1107.5651,"end":1108.545,"sentiment":"neutral","sentiment_score":-0.10556504875421524},{"text":"Kinda wait and see what happens, or would you want to shift to a more secure asset so that means you are then obviously selling when the prices have dropped?","start":1108.765,"end":1117.505,"sentiment":"neutral","sentiment_score":-0.08106463799873988},{"text":"Yeah.","start":1119.9801,"end":1120.3,"sentiment":"neutral","sentiment_score":0.032553818076848984}],"sentiment":"neutral","sentiment_score":-0.09971631073630323,"num_words":102,"start":1084.595,"end":1120.3},{"sentences":[{"text":"Invest a bit more.","start":1120.3,"end":1121.42,"sentiment":"neutral","sentiment_score":0.057068757712841034},{"text":"Perfect.","start":1121.42,"end":1121.92,"sentiment":"neutral","sentiment_score":0.2548901438713074},{"text":"Now the next one here is in regards to, again, fluctuations.","start":1123.74,"end":1128.8,"sentiment":"neutral","sentiment_score":0.01673697680234909},{"text":"Sorry.","start":1129.18,"end":1129.68,"sentiment":"neutral","sentiment_score":-0.08834564685821533},{"text":"Have you ever noticed your superannuation fluctuate?","start":1129.74,"end":1132.3201,"sentiment":"neutral","sentiment_score":-0.08176895869629723}],"sentiment":"neutral","sentiment_score":0.0002726484090089798,"num_words":24,"start":1120.3,"end":1132.3201},{"sentences":[{"text":"Now, obviously, recently, there's been a lot going on in the world.","start":1132.785,"end":1135.985,"sentiment":"neutral","sentiment_score":-0.034598680989195905},{"text":"That's obviously seen a a bit of fluctuation to the market and everything, which I'm sure you've seen obviously with your personal investments as well.","start":1135.985,"end":1142.165,"sentiment":"neutral","sentiment_score":-0.06143934577703476},{"text":"If you did see it, how did that make you feel?","start":1143.185,"end":1146.245,"sentiment":"neutral","sentiment_score":0.13371619311246005},{"text":"Would you say optimistic about potential opportunities, a bit more cautious, not making further investment, concerned, or highly anxious?","start":1146.44,"end":1156.14,"sentiment":"neutral","sentiment_score":-0.1248118638208038},{"text":"Okay.","start":1161.255,"end":1161.735,"sentiment":"neutral","sentiment_score":-0.08145225048065186}],"sentiment":"neutral","sentiment_score":-0.04313481404610416,"num_words":68,"start":1132.785,"end":1161.735},{"sentences":[{"text":"So kind of just in in in the middle?","start":1161.735,"end":1163.995,"sentiment":"neutral","sentiment_score":-0.059597347759538226},{"text":"Yes.","start":1166.455,"end":1166.935,"sentiment":"neutral","sentiment_score":0.008949924260377884},{"text":"Yes.","start":1166.935,"end":1167.415,"sentiment":"neutral","sentiment_score":0.06362822651863098},{"text":"Perfect.","start":1167.415,"end":1167.915,"sentiment":"neutral","sentiment_score":0.29694634675979614},{"text":"Now last one here is would you ever consider taking out a loan to invest in stocks or funds?","start":1168.695,"end":1173.755,"sentiment":"neutral","sentiment_score":0.07099287662851184}],"sentiment":"neutral","sentiment_score":0.038129452375635024,"num_words":31,"start":1161.735,"end":1173.755},{"sentences":[{"text":"No.","start":1174.78,"end":1174.9401,"sentiment":"neutral","sentiment_score":-0.06807175278663635},{"text":"Perfect.","start":1174.9401,"end":1175.34,"sentiment":"neutral","sentiment_score":0.051997750997543335},{"text":"Just kind of for investment property purposes.","start":1175.34,"end":1177.36,"sentiment":"neutral","sentiment_score":-0.01230100089950221},{"text":"Yeah.","start":1178.7001,"end":1179.18,"sentiment":"neutral","sentiment_score":0.1579543799161911},{"text":"Great.","start":1179.18,"end":1179.68,"sentiment":"positive","sentiment_score":0.4031660556793213}],"sentiment":"neutral","sentiment_score":0.04172176613726399,"num_words":11,"start":1174.78,"end":1179.68},{"sentences":[{"text":"Now, Emmy, that tells me that you have come out as a high growth investor.","start":1180.22,"end":1184.4,"sentiment":"neutral","sentiment_score":0.29940378467241924},{"text":"And at the moment, we do have you invested in a high growth portfolio.","start":1185.02,"end":1188.88,"sentiment":"neutral","sentiment_score":0.15251462853380612},{"text":"Do you kind of remember what it means to be a high growth investor at all?","start":1189.695,"end":1193.955,"sentiment":"neutral","sentiment_score":0.06325980415567756},{"text":"Kind of.","start":1204.11,"end":1204.6699,"sentiment":"neutral","sentiment_score":-0.01913143042474985},{"text":"So, you know, it is it is someone who's looking at getting as much growth as you possibly can out of your superannuation, you know, while you do have plenty of time.","start":1204.6699,"end":1213.57,"sentiment":"neutral","sentiment_score":0.06701927672838792}],"sentiment":"neutral","sentiment_score":0.12335154975328265,"num_words":79,"start":1180.22,"end":1213.57},{"sentences":[{"text":"You know?","start":1213.7749,"end":1213.9349,"sentiment":"neutral","sentiment_score":0.014789796434342861},{"text":"But you are also prepared to experience, you know, some higher levels of fluctuations in the short term in order to achieve that growth in the long term.","start":1213.9349,"end":1222.355,"sentiment":"neutral","sentiment_score":0.059809399236525805},{"text":"And, typically, when we are looking at an asset allocation point of view, we see about 90% invested in your growth assets.","start":1222.8949,"end":1230.8301,"sentiment":"neutral","sentiment_score":0.08243330923671072},{"text":"So that will be, obviously, Australian shares, international shares, property, and commodities.","start":1230.89,"end":1234.67,"sentiment":"neutral","sentiment_score":0.1327087072034677},{"text":"And that is ultimately what is going to maximize those returns for you and about 10% in your defensive assets, like your cash, your fixed interest, and then gold can kind of fit into both.","start":1235.29,"end":1245.725,"sentiment":"neutral","sentiment_score":0.21155337010111128}],"sentiment":"neutral","sentiment_score":0.12641058600686414,"num_words":99,"start":1213.7749,"end":1245.725},{"sentences":[{"text":"Does that make sense?","start":1246.025,"end":1247.145,"sentiment":"neutral","sentiment_score":0.11390272155404091},{"text":"Are you still quite comfortable with with a high growth portfolio?","start":1247.145,"end":1250.685,"sentiment":"neutral","sentiment_score":0.08659972792321985},{"text":"Yep.","start":1250.905,"end":1251.305,"sentiment":"neutral","sentiment_score":0.10702775418758392},{"text":"Great.","start":1251.305,"end":1251.805,"sentiment":"positive","sentiment_score":0.4977017939090729},{"text":"Perfect.","start":1252.345,"end":1252.845,"sentiment":"neutral","sentiment_score":0.11604245752096176}],"sentiment":"neutral","sentiment_score":0.11827666105495559,"num_words":18,"start":1246.025,"end":1252.845},{"sentences":[{"text":"And when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations, as a high growth investor, typically, we see minimum eight years until retirement, which you certainly have.","start":1253.145,"end":1264.4,"sentiment":"neutral","sentiment_score":0.25761198099607074},{"text":"So from a time point of view, you are definitely in a good position as long as, yeah, obviously, you are comfortable with that.","start":1264.4,"end":1270.335,"sentiment":"positive","sentiment_score":0.6230481378734112},{"text":"So we will leave that.","start":1270.495,"end":1272.195,"sentiment":"neutral","sentiment_score":0.11615431904792786},{"text":"Now did that email come through at all with the attachments?","start":1272.895,"end":1276.4349,"sentiment":"neutral","sentiment_score":-0.0002522896551950411},{"text":"Yep.","start":1279.5349,"end":1280.0349,"sentiment":"neutral","sentiment_score":0.009327196516096592}],"sentiment":"neutral","sentiment_score":0.31984182716696524,"num_words":80,"start":1253.145,"end":1280.0349},{"sentences":[{"text":"It could also go into the spam folder because we have recently changed the software.","start":1280.975,"end":1285.32,"sentiment":"neutral","sentiment_score":-0.06958977257212003},{"text":"So it will look a little bit different to let me triple check here for you.","start":1285.32,"end":1293.58,"sentiment":"neutral","sentiment_score":-0.013301339116878808},{"text":"We send it through good luck x r yeah.","start":1293.64,"end":1298.9751,"sentiment":"neutral","sentiment_score":0.04940993214646975},{"text":"Yeah.","start":1299.675,"end":1300.175,"sentiment":"neutral","sentiment_score":0.021696921437978745},{"text":"Yes.","start":1301.3551,"end":1301.8551,"sentiment":"neutral","sentiment_score":0.0383748933672905}],"sentiment":"neutral","sentiment_score":-0.017902543103056296,"num_words":42,"start":1280.975,"end":1301.8551},{"sentences":[{"text":"Now before you click on to the signature request, it will look a little bit different.","start":1301.915,"end":1306.235,"sentiment":"neutral","sentiment_score":0.017672211630269885},{"text":"So before you click in, you will actually see the a couple of attachments.","start":1306.235,"end":1312.5701,"sentiment":"neutral","sentiment_score":0.03117029688188008},{"text":"Now these have just been provided through you.","start":1313.03,"end":1315.03,"sentiment":"neutral","sentiment_score":0.05867590755224228},{"text":"They don't need to be signed.","start":1315.03,"end":1316.49,"sentiment":"neutral","sentiment_score":0.0022662412375211716},{"text":"But if you wanna have a look at those first, now you will see can you see one that says, like, the OQ Financial Services Guide?","start":1316.87,"end":1325.6901,"sentiment":"neutral","sentiment_score":0.027509938262832854}],"sentiment":"neutral","sentiment_score":0.027391466358676553,"num_words":70,"start":1301.915,"end":1325.6901},{"sentences":[{"text":"Yeah.","start":1326.8451,"end":1327.3451,"sentiment":"neutral","sentiment_score":0.0506676509976387},{"text":"Now I won't get you to go into those two.","start":1327.405,"end":1329.8251,"sentiment":"neutral","sentiment_score":0.009890318289399147},{"text":"They are quite similar to the other ones you have been provided.","start":1329.9651,"end":1332.8451,"sentiment":"neutral","sentiment_score":0.107270373031497},{"text":"It's just our financial services guide.","start":1332.8451,"end":1335.1051,"sentiment":"neutral","sentiment_score":0.05148045439273119},{"text":"We have just made a bit of an update.","start":1335.165,"end":1337.3251,"sentiment":"neutral","sentiment_score":0.0642755813896656}],"sentiment":"neutral","sentiment_score":0.061162586029815044,"num_words":38,"start":1326.8451,"end":1337.3251},{"sentences":[{"text":"So we've done a bit of a revamp to our marketing, so you you will have a look when you do look at them that we've kind of had a bit of an extension to the team as well, which which is nice.","start":1337.3251,"end":1346.92,"sentiment":"neutral","sentiment_score":0.21278399783511495},{"text":"And all the information about the team, our director of advisers, I'm on there on page six, I believe, as well.","start":1347.06,"end":1353.0,"sentiment":"neutral","sentiment_score":0.2237800657749176},{"text":"If you do wanna put a face to the voice, but that's basically it.","start":1353.235,"end":1355.875,"sentiment":"neutral","sentiment_score":0.13371816277503967},{"text":"You know, everything that you do need to know about us is in that one for you.","start":1355.875,"end":1359.815,"sentiment":"neutral","sentiment_score":0.22135431976879344},{"text":"It kind of complements the services guide, which you will see as well.","start":1360.835,"end":1364.755,"sentiment":"neutral","sentiment_score":0.3273099253957088}],"sentiment":"neutral","sentiment_score":0.21980740771525437,"num_words":108,"start":1337.3251,"end":1364.755},{"sentences":[{"text":"It's just kind of a shorter version of that.","start":1364.755,"end":1367.07,"sentiment":"neutral","sentiment_score":-0.0579040197448598},{"text":"Now do you also see a super and insurance summary attached to it?","start":1368.0299,"end":1373.1499,"sentiment":"neutral","sentiment_score":0.028988354911024753},{"text":"Yeah.","start":1373.1499,"end":1373.6499,"sentiment":"neutral","sentiment_score":0.04782938212156296},{"text":"Yeah.","start":1374.11,"end":1374.4299,"sentiment":"neutral","sentiment_score":0.24156832695007324},{"text":"Perfect.","start":1374.4299,"end":1374.9299,"sentiment":"positive","sentiment_score":0.4854232966899872}],"sentiment":"neutral","sentiment_score":0.02522133767604828,"num_words":25,"start":1364.755,"end":1374.9299},{"sentences":[{"text":"Now if you do wanna click on that one for me if you can, it will then show you your current super insurance.","start":1375.07,"end":1383.005,"sentiment":"neutral","sentiment_score":0.1565139475076095},{"text":"So you have your superannuation in hub twenty four.","start":1383.005,"end":1386.9249,"sentiment":"neutral","sentiment_score":0.09380805409616894},{"text":"You'll see your current super balance as of this the March 2 when we prepare those documents, so about 198,936.","start":1386.9249,"end":1395.06,"sentiment":"neutral","sentiment_score":0.09759716503322124},{"text":"And then underneath that, you have your insurances.","start":1395.6201,"end":1398.04,"sentiment":"neutral","sentiment_score":0.06327122636139393},{"text":"So you have an income protection policy with Pell.","start":1398.1001,"end":1401.16,"sentiment":"neutral","sentiment_score":0.06903016318877538}],"sentiment":"neutral","sentiment_score":0.1090359110115231,"num_words":69,"start":1375.07,"end":1401.16},{"sentences":[{"text":"Now the benefit period for that one is to age 65 with a full week waiting period, and the monthly amount is 9,796.","start":1401.9401,"end":1414.8251,"sentiment":"neutral","sentiment_score":0.07003331880854524},{"text":"You do have a small portion paid outside superannuation to get a couple of those additional benefits, which is great.","start":1415.605,"end":1421.31,"sentiment":"positive","sentiment_score":0.49071022421121596},{"text":"The out of pocket benefit is about a $177 a year, which is which is pretty good.","start":1421.55,"end":1427.41,"sentiment":"positive","sentiment_score":0.37322479135849895},{"text":"Now, obviously, with your income increasing a bit, you can potentially be covered for more if you would like.","start":1428.51,"end":1437.285,"sentiment":"neutral","sentiment_score":0.20923685007973722},{"text":"It's great.","start":1439.2051,"end":1441.925,"sentiment":"neutral","sentiment_score":0.29960745573043823}],"sentiment":"neutral","sentiment_score":0.27585811522087933,"num_words":81,"start":1401.9401,"end":1441.925},{"sentences":[{"text":"Perfect.","start":1441.925,"end":1442.245,"sentiment":"positive","sentiment_score":0.47746598720550537},{"text":"Because I was going to say as well that if it is something that you want to increase, it would mean we have to go through, like, the underwriting process and everything like that, and that would obviously increase the premium.","start":1442.245,"end":1451.46,"sentiment":"neutral","sentiment_score":0.13212181536889658},{"text":"And if you feel like that 9,729 would kind of cover bills and expenses and you're happy with that, then we can definitely leave that for the time being anyway.","start":1451.46,"end":1460.6799,"sentiment":"neutral","sentiment_score":0.22259086122115454},{"text":"Yep.","start":1461.62,"end":1461.94,"sentiment":"neutral","sentiment_score":0.2502628564834595},{"text":"Perfect.","start":1461.94,"end":1462.44,"sentiment":"positive","sentiment_score":0.5428333282470703}],"sentiment":"neutral","sentiment_score":0.18061192484723554,"num_words":74,"start":1441.925,"end":1462.44},{"sentences":[{"text":"Great.","start":1462.6599,"end":1463.1599,"sentiment":"positive","sentiment_score":0.482842355966568},{"text":"Now you don't have any life or total permanent disability in trauma insurance.","start":1463.615,"end":1467.6951,"sentiment":"neutral","sentiment_score":0.07871543902617234},{"text":"You're still quite comfortable to to only have that income protection?","start":1467.6951,"end":1470.995,"sentiment":"neutral","sentiment_score":0.14251107925718481},{"text":"Yep.","start":1472.655,"end":1473.155,"sentiment":"neutral","sentiment_score":0.10647910088300704},{"text":"Great.","start":1473.2151,"end":1473.7151,"sentiment":"positive","sentiment_score":0.40441277623176575}],"sentiment":"neutral","sentiment_score":0.13276506712039313,"num_words":27,"start":1462.6599,"end":1473.7151},{"sentences":[{"text":"Perfect.","start":1474.0951,"end":1474.5951,"sentiment":"positive","sentiment_score":0.3856147527694702},{"text":"Now the other attachments you will see, you will see a Vanguard index chart.","start":1475.935,"end":1480.04,"sentiment":"neutral","sentiment_score":0.1337451104606901},{"text":"You may have seen this one before if you are quite familiar with, obviously, in investing.","start":1480.18,"end":1484.2001,"sentiment":"neutral","sentiment_score":0.06682665948756039},{"text":"But, basically, that one just gives you just a good visual representation of what's happened in the market.","start":1484.5,"end":1490.1,"sentiment":"positive","sentiment_score":0.5080992204861509},{"text":"It breaks down the different asset classes and how they kind of tend to behave and have done historically going back to 1995 there for you.","start":1490.1,"end":1499.505,"sentiment":"neutral","sentiment_score":0.22399229155136988}],"sentiment":"neutral","sentiment_score":0.24395811200141906,"num_words":75,"start":1474.0951,"end":1499.505},{"sentences":[{"text":"Now you will also seek through certificate of currency if you tell insurances.","start":1500.045,"end":1504.72,"sentiment":"neutral","sentiment_score":0.16088733077049255},{"text":"Basically, just breaks it down in a bit more detail for you, but lets you know that's all paid and up to date.","start":1505.02,"end":1509.84,"sentiment":"neutral","sentiment_score":0.18257691581612048},{"text":"Now you will also have a let me see here.","start":1511.8201,"end":1515.66,"sentiment":"neutral","sentiment_score":0.140114226937294},{"text":"A twelve month return for your investments in hub twenty four.","start":1515.66,"end":1519.2001,"sentiment":"neutral","sentiment_score":0.1463517417961901},{"text":"Can you see that one okay?","start":1520.035,"end":1521.335,"sentiment":"neutral","sentiment_score":0.11961313461263974}],"sentiment":"neutral","sentiment_score":0.1590395968348261,"num_words":63,"start":1500.045,"end":1521.335},{"sentences":[{"text":"Yep.","start":1522.595,"end":1523.075,"sentiment":"neutral","sentiment_score":0.3178015947341919},{"text":"Perfect.","start":1523.075,"end":1523.575,"sentiment":"positive","sentiment_score":0.6289306879043579},{"text":"Now that one just breaks down the investments and kind of what's happened in the last twelve months, all net of fees.","start":1524.115,"end":1530.615,"sentiment":"neutral","sentiment_score":0.2588807981122624},{"text":"So you can see all your investments, how they have performed.","start":1531.075,"end":1534.295,"sentiment":"neutral","sentiment_score":0.2692633433775468},{"text":"Now if we look at the last twelve months, obviously, factoring in that a lot has happened in the market.","start":1534.87,"end":1540.3099,"sentiment":"neutral","sentiment_score":0.1447453822940588}],"sentiment":"neutral","sentiment_score":0.22725298662077298,"num_words":55,"start":1522.595,"end":1540.3099},{"sentences":[{"text":"The last the last twelve months after fees, the portfolio has still gone up, which is good, but it's about 4.28%.","start":1540.3099,"end":1548.89,"sentiment":"neutral","sentiment_score":0.25380732935099376},{"text":"Now one of the investments in your portfolio, which is your Benelon Australian equity, now that is a a managed fund that's obviously added to your portfolio at the time when you came on board because it was doing really well.","start":1549.655,"end":1563.27,"sentiment":"positive","sentiment_score":0.3355919115427064},{"text":"And the purpose of it was to give you that active management.","start":1563.59,"end":1567.05,"sentiment":"neutral","sentiment_score":0.2897084318101406},{"text":"So they're obviously focusing on actively buying and selling investment in order to kinda outperform the market.","start":1567.27,"end":1572.49,"sentiment":"neutral","sentiment_score":0.2912021656246746},{"text":"Now more recently, they kind of have underperformed a little bit through what we expected them or what we would have liked.","start":1573.11,"end":1581.135,"sentiment":"neutral","sentiment_score":-0.25435740432956}],"sentiment":"neutral","sentiment_score":0.1939849326700236,"num_words":113,"start":1540.3099,"end":1581.135},{"sentences":[{"text":"And one of the reasons for their kind of underperformance at the moment is one of their investments that they had in their portfolio was corporate travel group.","start":1581.515,"end":1589.4551,"sentiment":"negative","sentiment_score":-0.3644732375230108},{"text":"You may have heard or or seen anything about that, but they had a bit of issues with their reporting, which meant that they were suspended from trading for a while.","start":1589.675,"end":1597.4299,"sentiment":"negative","sentiment_score":-0.36108242504058347},{"text":"So that obviously caused, yeah, that caused the the price to to drop.","start":1597.4299,"end":1602.1699,"sentiment":"negative","sentiment_score":-0.46624861428370845},{"text":"So if you are happy for me to do so, I would like to do a bit more investigation into their investments for you and see if I can find another option to swap that one out for that is going to do a little bit better and do a bit more for you moving forward.","start":1602.3099,"end":1616.785,"sentiment":"neutral","sentiment_score":0.24493083211460284},{"text":"Yeah.","start":1618.765,"end":1619.265,"sentiment":"neutral","sentiment_score":0.14952562749385834}],"sentiment":"neutral","sentiment_score":-0.10538283400526342,"num_words":129,"start":1581.515,"end":1619.265},{"sentences":[{"text":"Now with your investments as well, have you recently read our newsletter at all?","start":1620.285,"end":1626.84,"sentiment":"neutral","sentiment_score":0.07866248142506395},{"text":"Is that something you you keep an eye on or not really?","start":1626.84,"end":1629.82,"sentiment":"neutral","sentiment_score":0.023504975872735184},{"text":"No.","start":1632.6,"end":1633.1,"sentiment":"neutral","sentiment_score":-0.2015051543712616},{"text":"No.","start":1633.32,"end":1633.5599,"sentiment":"neutral","sentiment_score":-0.18748284876346588},{"text":"That's okay.","start":1633.5599,"end":1634.46,"sentiment":"neutral","sentiment_score":-0.04438618943095207}],"sentiment":"neutral","sentiment_score":0.03018580228090286,"num_words":30,"start":1620.285,"end":1634.46},{"sentences":[{"text":"No.","start":1637.615,"end":1637.7749,"sentiment":"neutral","sentiment_score":-0.0821501761674881},{"text":"That's totally fine.","start":1637.7749,"end":1639.315,"sentiment":"neutral","sentiment_score":0.21494494378566742},{"text":"The reason I ask is because we have recently merged or partnered up with BlackRock, which you may have heard of.","start":1640.095,"end":1646.995,"sentiment":"neutral","sentiment_score":0.08863783051215467},{"text":"We have recently partnered up with BlackRock, which you you may have heard of.","start":1649.7899,"end":1655.4099,"sentiment":"neutral","sentiment_score":0.06542037866477456},{"text":"Perfect.","start":1656.6699,"end":1657.1699,"sentiment":"positive","sentiment_score":0.5306128859519958}],"sentiment":"neutral","sentiment_score":0.09676443208009004,"num_words":40,"start":1637.615,"end":1657.1699},{"sentences":[{"text":"So we have just launched an SMA.","start":1658.0299,"end":1660.85,"sentiment":"neutral","sentiment_score":0.17339303131614411},{"text":"Are you quite across what an SMA is?","start":1661.39,"end":1664.455,"sentiment":"neutral","sentiment_score":0.04152189358137548},{"text":"Do you know much about it?","start":1664.455,"end":1666.9349,"sentiment":"neutral","sentiment_score":-0.02307625797887643},{"text":"No.","start":1666.9349,"end":1667.4349,"sentiment":"neutral","sentiment_score":-0.09570495784282684},{"text":"So an SMA, it is a self managed account.","start":1668.215,"end":1671.355,"sentiment":"neutral","sentiment_score":0.013024005004101329}],"sentiment":"neutral","sentiment_score":0.04609612603822062,"num_words":31,"start":1658.0299,"end":1671.355},{"sentences":[{"text":"Now it works a little bit different to how your portfolio is currently constructed in Hub twenty four.","start":1671.735,"end":1677.6749,"sentiment":"neutral","sentiment_score":0.02670516197880109},{"text":"The biggest kind of change is that in Hub twenty four at the moment, you will see all your individual investments.","start":1678.29,"end":1683.3501,"sentiment":"neutral","sentiment_score":0.0508991712260814},{"text":"And if we would like to go and and make a change to any of the investments, like, for example, with the Bennelong investment, we would obviously go and do all the research.","start":1683.7301,"end":1692.4851,"sentiment":"neutral","sentiment_score":0.08864901384169405},{"text":"I would present everything in a new statement of advice for you, run through the changes, and then you would have to sign the document and agree to the changes before we can make any changes.","start":1692.545,"end":1702.885,"sentiment":"neutral","sentiment_score":0.09057930277453528},{"text":"So from a paperwork compliance point of view, it is quite lengthy in that process to obviously put everything together.","start":1703.4299,"end":1712.49,"sentiment":"neutral","sentiment_score":-0.15235203616321086}],"sentiment":"neutral","sentiment_score":0.03663130581844598,"num_words":128,"start":1671.735,"end":1712.49},{"sentences":[{"text":"The diff with the SMA is that you would be not invested in each and every single investment.","start":1713.19,"end":1720.5651,"sentiment":"neutral","sentiment_score":-0.07673023372060722},{"text":"You would be invested in the the SMA product itself.","start":1720.785,"end":1723.765,"sentiment":"neutral","sentiment_score":-0.020902542769908904},{"text":"So you would still have a range of underlying investment, but the difference is that because you're invested in the the SMA product, we can then easily chop and change investment.","start":1724.305,"end":1734.87,"sentiment":"neutral","sentiment_score":0.07844850661293153},{"text":"If we foresee that one investment isn't going to do well, we can very quickly do that in the back end.","start":1735.73,"end":1741.75,"sentiment":"neutral","sentiment_score":-0.03459209398854347},{"text":"You will still get notified of the change, but you don't have to go through the s the SOA process or and approve and agree through the change in order for us to make the change.","start":1741.8099,"end":1753.255,"sentiment":"neutral","sentiment_score":0.04311641900696688}],"sentiment":"neutral","sentiment_score":0.014374923972605631,"num_words":116,"start":1713.19,"end":1753.255},{"sentences":[{"text":"So it eliminates the the kind of the compliance and the research side of it, which is you just invested in the SMA.","start":1753.635,"end":1761.85,"sentiment":"neutral","sentiment_score":0.07261139332600262},{"text":"But it allows us to kind of do a bit more of that active approach underlying to your investment.","start":1762.23,"end":1768.49,"sentiment":"neutral","sentiment_score":0.1651160564077528},{"text":"And, obviously, partnering up with BlackRock, we obviously jointly do all their investment knowledge and resources and tools and stuff like that.","start":1768.9501,"end":1778.9249,"sentiment":"neutral","sentiment_score":0.11226713538847187},{"text":"We have access through with the SMA investment, but it will mean that you would have a little bit less oversight of when we are making changes to your investment.","start":1778.9249,"end":1787.2649,"sentiment":"neutral","sentiment_score":0.04941211547702551},{"text":"Is that something you are comfortable with if I do the research and it's going to put you in a better position than what you currently have, or do you prefer the the model you have now where we present the change and you decide if you're happy with the change before we make a change?","start":1788.37,"end":1804.1499,"sentiment":"neutral","sentiment_score":0.1557177610562316}],"sentiment":"neutral","sentiment_score":0.1165313478683432,"num_words":150,"start":1753.635,"end":1804.1499},{"sentences":[{"text":"Happy with the current model?","start":1807.0651,"end":1808.185,"sentiment":"neutral","sentiment_score":0.23220230937004088},{"text":"Okay.","start":1808.185,"end":1808.685,"sentiment":"neutral","sentiment_score":0.16199859976768494},{"text":"Perfect.","start":1808.7451,"end":1809.2451,"sentiment":"positive","sentiment_score":0.42764097452163696},{"text":"That's good.","start":1809.545,"end":1810.4451,"sentiment":"positive","sentiment_score":0.4820667654275894},{"text":"I'll still review your current investment, though, and see if if we can make changes, especially that Benelung because it has underperformed a little bit.","start":1811.305,"end":1817.9651,"sentiment":"neutral","sentiment_score":0.17585758924484252}],"sentiment":"neutral","sentiment_score":0.20915365832693436,"num_words":34,"start":1807.0651,"end":1817.9651},{"sentences":[{"text":"Obviously, there's been a lot of changes to reinvestments since and, been a bit of cyclical with the market, but that been along, we kind of don't foresee it changing too much, so we wanna, look to change that.","start":1819.15,"end":1829.79,"sentiment":"neutral","sentiment_score":-0.01778157093586066},{"text":"So I'll go and do some research on that investment for you, keep you in a high growth portfolio, also factoring in that we wanna minimize the capital gains tax and, obviously, selling investments.","start":1829.79,"end":1839.3049,"sentiment":"neutral","sentiment_score":0.13292175772435524},{"text":"I'll put all of that in a research document for you and present it, and then you can let me know if you're happy with the change and what your thoughts are.","start":1839.365,"end":1846.98,"sentiment":"neutral","sentiment_score":0.23997237207368016},{"text":"Perfect.","start":1848.1799,"end":1848.6799,"sentiment":"positive","sentiment_score":0.5825023651123047},{"text":"Perfect.","start":1848.9,"end":1849.4,"sentiment":"neutral","sentiment_score":0.12984681129455566}],"sentiment":"neutral","sentiment_score":0.11418059419527232,"num_words":107,"start":1819.15,"end":1849.4},{"sentences":[{"text":"Now it will take me a a couple of weeks to get all of this together.","start":1850.1,"end":1853.46,"sentiment":"neutral","sentiment_score":-0.007484419038519263},{"text":"But as soon as I do, I'll give you a call, run through it, and then we can take it from there.","start":1853.46,"end":1858.12,"sentiment":"neutral","sentiment_score":0.047371034933762116},{"text":"Yep.","start":1859.315,"end":1859.635,"sentiment":"positive","sentiment_score":0.42430591583251953},{"text":"Perfect.","start":1859.635,"end":1860.135,"sentiment":"positive","sentiment_score":0.6220535635948181},{"text":"Now the last thing is then if you are able to click on that sign document, you will see, I believe, there's true attachments.","start":1860.355,"end":1869.575,"sentiment":"neutral","sentiment_score":0.08121577704635759}],"sentiment":"neutral","sentiment_score":0.06121797175728716,"num_words":64,"start":1850.1,"end":1869.575},{"sentences":[{"text":"And it should yes.","start":1883.5851,"end":1887.2051,"sentiment":"neutral","sentiment_score":0.08406518679112196},{"text":"So that one is to say that you're obviously happy to stay on as a client for us to service and manage everything for you.","start":1888.225,"end":1895.285,"sentiment":"positive","sentiment_score":0.3352902144193649},{"text":"It's not a locking contract at any point in time.","start":1895.665,"end":1898.805,"sentiment":"neutral","sentiment_score":-0.02473566308617592},{"text":"So if at any point in time you are not happy with your services, you can cancel at any time.","start":1898.865,"end":1902.6,"sentiment":"neutral","sentiment_score":-0.055226013995707035},{"text":"There is no locking contract.","start":1902.6,"end":1904.14,"sentiment":"neutral","sentiment_score":0.001261284202337265}],"sentiment":"neutral","sentiment_score":0.11520227527944371,"num_words":64,"start":1883.5851,"end":1904.14},{"sentences":[{"text":"So this essentially just allows us to keep servicing your account in the meantime.","start":1904.36,"end":1909.5,"sentiment":"neutral","sentiment_score":0.1583204407777105},{"text":"Now you will see here as well that, obviously, with the fees, because your your partner is a client, that has been reduced.","start":1909.96,"end":1916.385,"sentiment":"neutral","sentiment_score":0.07748391139118568},{"text":"So it's only 1.1% ongoing from your due valuation balance.","start":1916.385,"end":1921.0449,"sentiment":"neutral","sentiment_score":0.058336347341537476},{"text":"Nothing out of pocket.","start":1921.345,"end":1923.0449,"sentiment":"neutral","sentiment_score":0.004887607879936695},{"text":"No changes to that otherwise.","start":1923.1849,"end":1925.2849,"sentiment":"neutral","sentiment_score":-0.03507136702537537}],"sentiment":"neutral","sentiment_score":0.07903880719095469,"num_words":56,"start":1904.36,"end":1925.2849},{"sentences":[{"text":"And then I think perfect.","start":1927.4249,"end":1929.2001,"sentiment":"positive","sentiment_score":0.4123106926679611},{"text":"And then I think the last one that I'll ask you to sign is just a tax file number consent form.","start":1929.2001,"end":1934.72,"sentiment":"neutral","sentiment_score":0.15629183749357858},{"text":"It's just to say that we're keeping your tax file number secure and safe on file.","start":1934.72,"end":1938.42,"sentiment":"neutral","sentiment_score":0.17209035903215408},{"text":"So it perfect.","start":1939.12,"end":1941.535,"sentiment":"neutral","sentiment_score":0.2030957912405332},{"text":"So if you're happy to do so, if you wanna click and sign those documents, that will then come through to me.","start":1941.535,"end":1947.615,"sentiment":"neutral","sentiment_score":0.19830264354293997}],"sentiment":"neutral","sentiment_score":0.19506079592366718,"num_words":67,"start":1927.4249,"end":1947.615},{"sentences":[{"text":"I'll get that processed in the back end.","start":1947.615,"end":1950.915,"sentiment":"neutral","sentiment_score":0.1573860850185156},{"text":"And then in the meantime, I will also go and do that research on your super invest.","start":1951.055,"end":1955.3151,"sentiment":"neutral","sentiment_score":0.11195533722639084},{"text":"Perfect.","start":1958.85,"end":1959.35,"sentiment":"positive","sentiment_score":0.3503448963165283},{"text":"Is there anything else you would like me to research or have a look at for you, or it's mainly just just to see how those investments are changing potentially?","start":1960.69,"end":1968.87,"sentiment":"neutral","sentiment_score":0.11182442630330722},{"text":"Yep.","start":1971.6549,"end":1972.135,"sentiment":"neutral","sentiment_score":0.211504265666008}],"sentiment":"neutral","sentiment_score":0.12419142743997406,"num_words":57,"start":1947.615,"end":1972.135},{"sentences":[{"text":"Perfect.","start":1972.135,"end":1972.635,"sentiment":"positive","sentiment_score":0.37323999404907227},{"text":"Yep.","start":1976.9349,"end":1977.4349,"sentiment":"neutral","sentiment_score":0.11786329746246338},{"text":"Okay.","start":1979.255,"end":1979.735,"sentiment":"neutral","sentiment_score":0.16804558038711548},{"text":"Perfect.","start":1979.735,"end":1980.135,"sentiment":"neutral","sentiment_score":0.25021106004714966},{"text":"If it's sometimes it takes a little bit to come back.","start":1980.135,"end":1982.215,"sentiment":"neutral","sentiment_score":0.013536399569023739}],"sentiment":"neutral","sentiment_score":0.07055068848033746,"num_words":15,"start":1972.135,"end":1982.215},{"sentences":[{"text":"So if it says it's completed and assigned on your end, I'm sure it'll pop up on on my end in a couple of minutes.","start":1982.215,"end":1988.88,"sentiment":"neutral","sentiment_score":0.15449071899056435},{"text":"But, otherwise, I will let you go and enjoy the rest of your day at work.","start":1989.42,"end":1993.58,"sentiment":"positive","sentiment_score":0.5593639994040132},{"text":"So thank you so much for your time this morning.","start":1993.58,"end":1995.76,"sentiment":"positive","sentiment_score":0.7792787820100784},{"text":"And like I said, I'll be in touch in a couple of weeks to run through all that research with the investments for you.","start":1996.14,"end":2001.6549,"sentiment":"positive","sentiment_score":0.4770522154867649},{"text":"Yep.","start":2002.755,"end":2003.1549,"sentiment":"positive","sentiment_score":0.337033212184906}],"sentiment":"positive","sentiment_score":0.42619955485784694,"num_words":76,"start":1982.215,"end":2003.1549},{"sentences":[{"text":"Perfect.","start":2003.1549,"end":2003.5549,"sentiment":"positive","sentiment_score":0.6375812888145447},{"text":"Do you have any other questions for me before I let you go all the way?","start":2003.5549,"end":2006.615,"sentiment":"neutral","sentiment_score":0.2162664239294827},{"text":"Nope.","start":2008.195,"end":2008.695,"sentiment":"neutral","sentiment_score":-0.07522959262132645},{"text":"Okay.","start":2008.755,"end":2009.235,"sentiment":"neutral","sentiment_score":0.2179616093635559},{"text":"Perfect.","start":2009.235,"end":2009.735,"sentiment":"positive","sentiment_score":0.4957726001739502}],"sentiment":"neutral","sentiment_score":0.23681743443012238,"num_words":20,"start":2003.1549,"end":2009.735},{"sentences":[{"text":"I will also get the team to email you that lawyer information and then post out those beneficial reforms as well.","start":2009.955,"end":2016.28,"sentiment":"positive","sentiment_score":0.35639030521824244},{"text":"So, obviously, take your time and understand what you would like to do with those.","start":2016.28,"end":2019.4829,"sentiment":"neutral","sentiment_score":0.15274496773878735},{"text":"Yep.","start":2020.8429,"end":2021.3229,"sentiment":"neutral","sentiment_score":0.2738567292690277},{"text":"Perfect.","start":2021.3229,"end":2021.8229,"sentiment":"positive","sentiment_score":0.6438724398612976},{"text":"Well, thank you so much, Emmy, and I hope you have a lovely rest of your day.","start":2021.9629,"end":2025.7429,"sentiment":"positive","sentiment_score":0.7809636277310988}],"sentiment":"positive","sentiment_score":0.4358087593858892,"num_words":55,"start":2009.955,"end":2025.7429},{"sentences":[{"text":"Thanks.","start":2027.2429,"end":2027.7429,"sentiment":"positive","sentiment_score":0.6500588059425354},{"text":"Bye.","start":2027.8029,"end":2028.3029,"sentiment":"positive","sentiment_score":0.35646963119506836}],"sentiment":"positive","sentiment_score":0.5032642185688019,"num_words":2,"start":2027.2429,"end":2028.3029}]}}]},{"alternatives":[{"transcript":"Hi. May I speak? Hello? Morning. Very well. So Yep. Do a good time. Yeah. That's okay. Yes. True name first name, x I n r n, z h a o. Sorry. Last name is z h a o. Address, 228 Beachboro Road, North 10. I'm at work. Yeah. Go ahead. Not ready. Yep. Yep. Yep. Married as of last year, July 16. I'm sorry. June June June 16. That's alright. Michael Mai. I think he's with Oakview too. M a I. No. 00405822007. Sorry. No. No. No. 040500, 7822. Yeah. He will be the next. Okay. Yeah. No. Superintendent planning. Routine tour. That will be I don't know. That will be just general asset management, I would say. Correct. Yes. It changed. It's 20250 now. Yes. 250. Correct. That's correct. Bonus is bonus is 10%. That's that's that's all I get. My saving, I will lose I think I'm around 5,000 a month, but I need to double check. Yeah. It'll be on average, that'll be around 5 to 6,000 a month. Savings. Yes. I have 500 it should be a bit above $5,500. 5. Yeah. Yes. Standard 12%. They are on a different base, so that's based on a 197,000. Yeah. Yes. I think so. I think so. Ten percent of the 197. Did I? I don't I think so. But that was post tax. We use the seller I use the seller to buy buy share, buy retino share. But that's that's post tax. Yeah. I'm pretty sure it's after tax. Yep. My last year's bonus will be March 2025, and the new one hasn't come in yet for 2026. Yeah. It will be keep coming March 19 or somewhere. I think it'll be the same. So we just send it send it send it super. So 12% of 12% of a 197 k plus my bonus is 22. So that'll be another, I don't know, 12% of the 22 k. Yeah. Oh, so so super? For for super. No. I don't think so. Not that I remember. Sorry. Yeah. I think they continue to pay. I don't know. Yeah. Yeah. Yeah. Yeah. Okay. I I do think we continue to because I never heard that from any of the, I guess, the higher managers too. Yes. It's $606,180. 560. Oh, sorry. Wait. Sorry. What are you talking about in now? Oh, the wine in Bracelet. Oh, 15 is sold. 15 is sold. Yeah. Yeah. That's also investment property. That's a one point that's a 1.8 mil. Yeah. That that is 560. Yep. The property so for 228, that's my husband's house. Yeah. Yes. Correct. Yeah. It'll be roughly still the case. Yes. No. That's that's all sold. They all move into the cache. Yeah. Offset. Yeah. So all of my cash is in offset. Yes. 500 k cash. No. Also. Let me check. I think I have real tinto shares, but it wouldn't be a significant amount. But let me check. Oh, they have Vanguard. Vanguard probably have another $12.12 k. That was just later. Yes. Let me check the share. It's been a while since I was here. Alright. I have this is I have $710,000 in real Tinto share. Thank you. No. No. No. Yeah. No. No bankrupt. No. No. Nothing. Yes. Yes. Hospital extra gold. Yep. That's it. I don't have a will in place, but we we actually planning to do one this year. Yeah. Why not? Yeah. Yeah. I don't know, to be honest, at this moment. Crane tech? Not right now. Yep. Yep. Yeah. Yeah. Yeah. Yeah. That's fine. Yep. Yep. Yep. Mhmm. Yes. Where am I? I'm 32. So I'm still targeting 45. Yep. Yes. Yep. I understand. Correct. I hope it works. Yep. Hi. You might submit more. Yes. I don't care. Yeah. It it doesn't impact me. I I I don't I don't watch it that much, to be honest. No. Yeah. Yeah. What do you mean? It's not as high as very high, and then it's higher than the moderate. That's yep. Yep. Yep. Yep. Yep. Yes. Comparable. Yep. Email. Let me check. Let me check. Let me check. Which which email address you you send it through? That is that? Oh, yeah. There you go. Signature request. Okay. Yes. Uh-huh. Mhmm. Yep. Alright. Yep. Yes. To run the insurance. I'm right. Yep. Yep. Yep. Yep. Yep. Yes. Yep. I think I'm comfortable where where it is at a moment. Yeah. Yep. Yep. Yep. Comfortable. Consular. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Yes. Okay. Yep. Not really, to be honest. I I don't put too much sweat effort in Sorry. What was that? Yes. I'm just reading this right now. No. No. Yeah. Yeah. Okay. Yeah. Yep. Yeah. Yeah. I'm happy with the current oil. Yep. Yeah. Yeah. Yeah. All good. Yeah. All good. Alright. Let me see. Okay. Consent in you ongoing fee arrangement. Yeah. Yeah. Alright. Heavyweight. Yeah. Yeah. Also, that's fine. Alright. Yep. I'm just doing it now. Yeah. Pretty much that. Alright. It's loading. It should sign. Yeah. Yes. Yes. No. No question. Yeah. Alright. Thank you very much. Okay. 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May I speak? Hello? Morning. Very well.\n\nSo Yep. Do a good time. Yeah. That's okay. Yes.\n\nTrue name first name, x I n r n, z h a o. Sorry. Last name is z h a o. Address, 228 Beachboro Road, North 10. I'm at work.\n\nYeah. Go ahead. Not ready. Yep. Yep.\n\nYep. Married as of last year, July 16. I'm sorry. June June June 16. That's alright.\n\nMichael Mai. I think he's with Oakview too. M a I. No. 00405822007.\n\nSorry. No. No. No. 040500, 7822.\n\nYeah. He will be the next. Okay. Yeah. No.\n\nSuperintendent planning. Routine tour. That will be I don't know. That will be just general asset management, I would say. Correct.\n\nYes. It changed. It's 20250 now. Yes. 250.\n\nCorrect. That's correct. Bonus is bonus is 10%. That's that's that's all I get. My saving, I will lose I think I'm around 5,000 a month, but I need to double check.\n\nYeah. It'll be on average, that'll be around 5 to 6,000 a month. Savings. Yes. I have 500 it should be a bit above $5,500.\n\n5. Yeah. Yes. Standard 12%. They are on a different base, so that's based on a 197,000.\n\nYeah. Yes. I think so. I think so. Ten percent of the 197.\n\nDid I? I don't I think so. But that was post tax. We use the seller I use the seller to buy buy share, buy retino share. But that's that's post tax.\n\nYeah. I'm pretty sure it's after tax. Yep. My last year's bonus will be March 2025, and the new one hasn't come in yet for 2026. Yeah.\n\nIt will be keep coming March 19 or somewhere. I think it'll be the same. So we just send it send it send it super. So 12% of 12% of a 197 k plus my bonus is 22. So that'll be another, I don't know, 12% of the 22 k.\n\nYeah. Oh, so so super? For for super. No. I don't think so.\n\nNot that I remember. Sorry. Yeah. I think they continue to pay. I don't know.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nI I do think we continue to because I never heard that from any of the, I guess, the higher managers too. Yes. It's $606,180. 560. Oh, sorry.\n\nWait. Sorry. What are you talking about in now? Oh, the wine in Bracelet. Oh, 15 is sold.\n\n15 is sold. Yeah. Yeah. That's also investment property. That's a one point that's a 1.8 mil.\n\nYeah. That that is 560. Yep. The property so for 228, that's my husband's house. Yeah.\n\nYes. Correct. Yeah. It'll be roughly still the case. Yes.\n\nNo. That's that's all sold. They all move into the cache. Yeah. Offset.\n\nYeah. So all of my cash is in offset. Yes. 500 k cash. No.\n\nAlso. Let me check. I think I have real tinto shares, but it wouldn't be a significant amount. But let me check. Oh, they have Vanguard.\n\nVanguard probably have another $12.12 k. That was just later. Yes. Let me check the share. It's been a while since I was here.\n\nAlright. I have this is I have $710,000 in real Tinto share. Thank you. No. No.\n\nNo. Yeah. No. No bankrupt. No.\n\nNo. Nothing. Yes. Yes. Hospital extra gold.\n\nYep. That's it. I don't have a will in place, but we we actually planning to do one this year. Yeah. Why not?\n\nYeah. Yeah. I don't know, to be honest, at this moment. Crane tech? Not right now.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. That's fine. Yep. Yep. Yep.\n\nMhmm. Yes. Where am I? I'm 32. So I'm still targeting 45.\n\nYep. Yes. Yep. I understand. Correct.\n\nI hope it works. Yep. Hi. You might submit more. Yes.\n\nI don't care. Yeah. It it doesn't impact me. I I I don't I don't watch it that much, to be honest. No.\n\nYeah. Yeah. What do you mean? It's not as high as very high, and then it's higher than the moderate. That's yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nComparable. Yep. Email. Let me check. Let me check.\n\nLet me check. Which which email address you you send it through? That is that? Oh, yeah. There you go.\n\nSignature request. Okay. Yes. Uh-huh. Mhmm.\n\nYep. Alright. Yep. Yes. To run the insurance.\n\nI'm right. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. I think I'm comfortable where where it is at a moment. Yeah.\n\nYep. Yep. Yep. Comfortable. Consular.\n\nYep. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yes. Okay. Yep. Not really, to be honest.\n\nI I don't put too much sweat effort in Sorry. What was that? Yes. I'm just reading this right now. No.\n\nNo. Yeah. Yeah. Okay. Yeah.\n\nYep. Yeah. Yeah. I'm happy with the current oil. Yep.\n\nYeah. Yeah. Yeah. All good. Yeah.\n\nAll good. Alright. Let me see. Okay. Consent in you ongoing fee arrangement.\n\nYeah. Yeah. Alright. Heavyweight. Yeah.\n\nYeah. Also, that's fine. Alright. Yep. I'm just doing it now.\n\nYeah. Pretty much that. Alright. It's loading. It should sign.\n\nYeah. Yes. Yes. No. No question.\n\nYeah. Alright. Thank you very much. Okay. 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May I speak?\n\nChannel 0: Good\n\nChannel 1: Hello?\n\nChannel 0: morning, Emmy. It's Veronica\n\nChannel 1: Morning.\n\nChannel 0: from OQ Financial. How are you?\n\nChannel 1: Very well. So\n\nChannel 0: Yeah. I'm good. Thanks. I had you booked in to complete your under review. Is now still a good time for you?\n\nChannel 1: Yep. Do a good time.\n\nChannel 0: Yes. 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 with you.\n\nChannel 1: Yeah. That's okay.\n\nChannel 0: 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\nChannel 1: Yes. True name first name, x I n r n, z h a o.\n\nChannel 0: Yep.\n\nChannel 1: Sorry. Last name is z h a o. Address, 228 Beachboro Road, North\n\nChannel 0: Yep. And the state of birth as well, please.\n\nChannel 1: 10.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now are do you have access to your emails at the moment, or are you just kind of driving and and on the way to work or something?\n\nChannel 1: I'm at work.\n\nChannel 0: Yeah. Okay. Do you have the option of getting into your emails this morning\n\nChannel 1: Yeah.\n\nChannel 0: or or not not really?\n\nChannel 1: Go ahead.\n\nChannel 0: Yeah? Yep. Okay. Perfect. So what I'm going to do is I'm going to shortly send you some documents to run through during the annual review, and it does make it a bit easier for you if you can see those at the same time.\n\nSo that will be processed shortly. The the system is a little bit slow this morning, so let me know when that one comes through. But while I do wait for that to come through, before I kind of jump into the fact finding stuff, I do like to usually 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 extra on.\n\nChannel 1: Not ready.\n\nChannel 0: No. Just just usual review just to see\n\nChannel 1: Yep.\n\nChannel 0: what's happened. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now bear with me as I go through. Just a bit of an updated fact find just to see if there's anything that's changed in your life\n\nChannel 1: Yep.\n\nChannel 0: which might require us to make any changes to your advice at all. Now when it comes to your your personal information, I do have you here down as single with no financial dependents. Is that correct?\n\nChannel 1: Married as of last year, July 16.\n\nChannel 0: Oh,\n\nChannel 1: I'm sorry.\n\nChannel 0: perfect.\n\nChannel 1: June\n\nChannel 0: Well\n\nChannel 1: June June 16.\n\nChannel 0: oh, congratulations. That's very exciting.\n\nChannel 1: That's alright.\n\nChannel 0: And what's your your partner's name?\n\nChannel 1: Michael Mai. I think he's with Oakview too.\n\nChannel 0: Perfect. Michael. And what was the last name? Sorry.\n\nChannel 1: M a I.\n\nChannel 0: M I a. Perfect. Let me just triple check. And the phone number that we would have for him that hasn't changed? No.\n\nChannel 1: No. 00405822007.\n\nChannel 0: 00. Yeah. Perfect.\n\nChannel 1: Sorry. No. No. No. 040500,\n\nChannel 0: Yep.\n\nChannel 1: 7822.\n\nChannel 0: Okay. Perfect. Thank you so much. Now would you like him nominated as your next of kin as well? Would you wanna nominate someone else?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: He will be the next. Okay. Yeah.\n\nChannel 0: Yep. Great. Perfect. Still no financial dependence? No.\n\nPerfect. Now when it comes to your occupation as well, has any of that changed? Are you still a a reliability\n\nChannel 1: No.\n\nChannel 0: engineer?\n\nChannel 1: Superintendent planning.\n\nChannel 0: Alright. Perfect. And what's their occupation title? Sorry. I just missed\n\nChannel 1: Routine\n\nChannel 0: that.\n\nChannel 1: tour. That will be I don't know. That will be just general asset management, I would say.\n\nChannel 0: Okay. Perfect. But still for, yeah, Rio Tinto.\n\nChannel 1: Correct.\n\nChannel 0: Yep. Now I have your income here as a 130,000 of last time we spoke. Is that still the case, or has that been changed at all?\n\nChannel 1: Yes. It changed. It's 20250 now.\n\nChannel 0: Oh, perfect. 250 to 250?\n\nChannel 1: Yes. 250.\n\nChannel 0: Yep.\n\nChannel 1: Correct.\n\nChannel 0: Yep. Perfect. That's a nice little increase.\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. Now do you get paid any, like, bonuses or overtime or or extra allowances and stuff, or is that kind\n\nChannel 1: Bonus\n\nChannel 0: of your base pay?\n\nChannel 1: is bonus is 10%.\n\nChannel 0: Yep.\n\nChannel 1: That's that's that's all I get.\n\nChannel 0: Yep. Perfect. Great. Now I do have here your your savings around $1,200 a week. Is that still roughly\n\nChannel 1: My\n\nChannel 0: the case?\n\nChannel 1: saving, I will lose I think I'm around 5,000 a month, but I need to double check.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah. It'll be on average, that'll be around 5 to 6,000 a month.\n\nChannel 0: Okay. Perfect. And savings, do you know roughly?\n\nChannel 1: Savings. Yes. I have 500 it should be a bit above $5,500.\n\nChannel 0: 500.\n\nChannel 1: 5.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Great. Now with your employer as well with the the income, do you know if they pay you the the standard 12% employer contributions going into superannuation?\n\nChannel 1: Yes. Standard 12%. They are on a different base, so that's based on a 197,000.\n\nChannel 0: Hundred and okay. Perfect. Because I was going to say as well that if it was the $2.50, it does get to you very close to the the contribution cap. So I did wanted to to check that. So if it is 12% at a 190\n\nChannel 1: Yeah.\n\nChannel 0: 7,000\n\nChannel 1: Yes.\n\nChannel 0: perfect. Do you know if you get contributions on your bonus as well?\n\nChannel 1: I think so.\n\nChannel 0: Yes. Typically, most employers do cover it. And do you\n\nChannel 1: I\n\nChannel 0: know\n\nChannel 1: think\n\nChannel 0: if\n\nChannel 1: so.\n\nChannel 0: that would yeah. And do you know if that would be 10% of a 197 or 10% of the two fifty?\n\nChannel 1: Ten percent of the 197.\n\nChannel 0: Okay. Perfect. Now are you making any salary sacrifice contributions as well?\n\nChannel 1: Did I? I don't I think so. But that was post tax. We use the seller I use the seller to buy buy share, buy retino share. But that's that's post tax.\n\nChannel 0: So you do not salary sacrifice. You do it like extra contributions after tax?\n\nChannel 1: Yeah. I'm pretty sure it's after tax.\n\nChannel 0: Let me just go in your account and have a look here because I know you now with the new income are getting really close to that cap space. So let me have a look if I can see it in your account. Now I can see a contribution going into your account on the March 3 for 2,392. I think that's just from the from the employer. And\n\nChannel 1: Yep.\n\nChannel 0: then another one on the first of the thirtieth. Let me see here. And then on the staff. So I can't see any additional contribution from your\n\nChannel 1: My\n\nChannel 0: alright.\n\nChannel 1: last year's bonus will be March 2025, and the new one hasn't come in yet for 2026.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah. It will be keep coming March 19 or somewhere.\n\nChannel 0: Okay. And will that roughly be, like, same amount, or do you know how much extra you would put in?\n\nChannel 1: I think it'll be the same. So we just send it send it send it super. So 12% of 12% of a 197 k plus my bonus is 22. So that'll be another, I don't know, 12% of the 22 k.\n\nChannel 0: Okay. Perfect. I'm sorry. So that would be obviously the standard from your employer.\n\nChannel 1: Yeah.\n\nChannel 0: So do you say that you do extra yourself?\n\nChannel 1: Oh, so so super?\n\nChannel 0: Yes. Super. Yes.\n\nChannel 1: For for super. No. I don't think so.\n\nChannel 0: No. Okay. Perfect.\n\nChannel 1: Not that\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: Because\n\nChannel 1: remember.\n\nChannel 0: I was going\n\nChannel 1: Sorry.\n\nChannel 0: no. That's okay. Because I was going through all the transaction. I'm like, I can't see I can't see that. So, yeah, that's great.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Sorry. Just from that employer, yeah, which which is good. Now do you know if if you do get close through the cap space of the 30,000, do you know if your employer will continue to pay you the contributions on your income, or do you know if they stop at 30,000?\n\nChannel 1: I think they continue to pay.\n\nChannel 0: They\n\nChannel 1: I\n\nChannel 0: continue? Yeah. Yeah. Because sometimes, legally, they only\n\nChannel 1: don't\n\nChannel 0: have to to cover up to the 30,000. They can cut it off.\n\nChannel 1: know.\n\nChannel 0: Some\n\nChannel 1: Yeah.\n\nChannel 0: employers still honor it, and they're paying more.\n\nChannel 1: Yeah.\n\nChannel 0: So they still honor it and keep it based on your your income. And, obviously, you're working for a very big company. That can be the case. But sometimes\n\nChannel 1: Yeah.\n\nChannel 0: they do cut it as 30,000.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: I I do think we continue to because I never heard that from any of the, I guess, the higher managers too.\n\nChannel 0: Yeah. Okay. Perfect. Oh, that's that's\n\nChannel 1: Yes.\n\nChannel 0: very good. That's a good arrangement. Now, otherwise, with your assets and your liabilities, I have here your property was last died at about 680,000.\n\nChannel 1: It's $606,180. 560.\n\nChannel 0: 560. Great. Perfect. Now do you have a mortgage attached to that one at all?\n\nChannel 1: Oh, sorry. Wait. Sorry. What are you talking about in now?\n\nChannel 0: The the one in Brisbane,\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: the wine\n\nChannel 0: 15\n\nChannel 1: in Bracelet.\n\nChannel 0: yeah.\n\nChannel 1: Oh, 15 is sold. 15 is\n\nChannel 0: Yes.\n\nChannel 1: sold.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: okay. Perfect. So that one is sold.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. Is the one that you you guys live in the 3 Gamble Street, or is that an investment property?\n\nChannel 1: That's also investment property.\n\nChannel 0: Okay. Perfect. Let me change that investment property. Now do you know how much that one is valued at roughly?\n\nChannel 1: That's a one point that's a 1.8 mil.\n\nChannel 0: Oh, perfect. And I had here last mortgage was around $6.40.\n\nChannel 1: Yeah. That that is 560.\n\nChannel 0: $5.60. Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now the property that that you live in, is that a rental, or do you have another property?\n\nChannel 1: The property so for 228, that's my husband's house.\n\nChannel 0: Alright. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. But this investment property on Gamble Street, that's yours?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. Okay. Great. Now I also have a a motor vehicle right at about 25,000.\n\nChannel 1: Yeah. It'll be roughly still the case. Yes.\n\nChannel 0: Yep. Perfect. And you don't have anything owing on that one, do you? That's great. I do also have here some shares on a Comtech account for about 102,000.\n\nChannel 1: No. That's that's all sold. They all move into the cache.\n\nChannel 0: Awesome. Alright. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: So is that a, like, an offset account or anything or just like a savings\n\nChannel 1: Offset.\n\nChannel 0: account?\n\nChannel 1: Yeah.\n\nChannel 0: Offset.\n\nChannel 1: So all of my cash is in offset.\n\nChannel 0: Yep. Perfect. Do you know roughly how much you have in the offset account, like, roughly?\n\nChannel 1: Yes. 500 k cash.\n\nChannel 0: Perfect. Thank you. Now do you also have the South 32 shares for 5,000?\n\nChannel 1: No. Also.\n\nChannel 0: No. Sold. Great. Perfect. Any other assets that we haven't gone over or any other changes?\n\nChannel 1: Let me check. I think I have real tinto shares,\n\nChannel 0: Yep. Perfect.\n\nChannel 1: but it wouldn't be a significant amount. But let me check.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Oh, they have Vanguard. Vanguard probably have another $12.12 k. That was just later.\n\nChannel 0: Yeah. About 12,000, did you say?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Correct.\n\nChannel 1: Let me check the share.\n\nChannel 0: Yep.\n\nChannel 1: It's been a while since I was here.\n\nChannel 0: That's okay.\n\nChannel 1: Alright. I have this is I have $710,000 in real Tinto share.\n\nChannel 0: Great. Perfect. I'll update that.\n\nChannel 1: Thank you.\n\nChannel 0: Any other liabilities otherwise, like, any other personal\n\nChannel 1: No.\n\nChannel 0: loans or credit card?\n\nChannel 1: No.\n\nChannel 0: No. Perfect.\n\nChannel 1: No.\n\nChannel 0: And you've never been declared bankrupt or been under a part nine debt agreement?\n\nChannel 1: Yeah. No. No bankrupt. No.\n\nChannel 0: No. No. Great. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker and no medications.\n\nIs that correct?\n\nChannel 1: No. Nothing.\n\nChannel 0: Yeah. Perfect. Do you have private health insurance?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And that's hospitals as well?\n\nChannel 1: Yes. Hospital extra\n\nChannel 0: Yeah.\n\nChannel 1: gold.\n\nChannel 0: Yeah. Great. Perfect. Especially with your income as well. You don't wanna have to pay those additional\n\nChannel 1: Yep.\n\nChannel 0: tax or anything like that.\n\nChannel 1: That's it.\n\nChannel 0: Now now when it comes to estate planning, do you have a will in place?\n\nChannel 1: I don't have a will in place, but we we actually planning to do one this year.\n\nChannel 0: Okay. Perfect. Would you like us to send you some details on pricing of a firm that we work closely with?\n\nChannel 1: Yeah. Why not?\n\nChannel 0: Yep. Perfect. I'll get the team to email that. That way, when when you guys are ready to have a look at it, you can always, you know, give them a call or check their pricing and obviously compare that as well.\n\nChannel 1: Yeah.\n\nChannel 0: Now the other thing is your beneficiary. So at the moment on your superannuation, we don't have anyone nominated. So that is\n\nChannel 1: Yeah.\n\nChannel 0: if something were to happen to you who you want to receive those the benefits. Do you know who you would like to nominate?\n\nChannel 1: I don't know, to be honest, at this moment.\n\nChannel 0: No? That's okay. What I'll do, though, is I'll get the team through would you do you have access to a printer?\n\nChannel 1: Crane tech? Not right now.\n\nChannel 0: No? Otherwise, I'll get the team to post out the forms for you so you have them. Take\n\nChannel 1: Yep.\n\nChannel 0: your time to obviously decide who you would like to nominate.\n\nChannel 1: Yep.\n\nChannel 0: If you have any questions, because there are only certain people you can nominate directly through superannuation, always give me a call or send me an email.\n\nChannel 1: Yeah.\n\nChannel 0: It is important that you do nominate someone at some point. So if something were to happen, it goes to who you would like.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll get them to post it out to you. Now what's the address? Do you are you happy for us to post it to that 228 Beechwood Road, Baywater, WA?\n\nChannel 1: Yeah. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Perfect. Now that was basically all of our information I had to go through, so thank you for that.\n\nChannel 1: Yep.\n\nChannel 0: The the next thing is just to quickly run through a bit of an updated risk profile questionnaire, and that is basically just to see if we need to make any changes to your investment portfolio within your superannuation there. So there's no right or wrong answer or multiple choice to make to make it nice and easy. If\n\nChannel 1: Yep.\n\nChannel 0: it doesn't make sense,\n\nChannel 1: Yep.\n\nChannel 0: just just let me know. Alright. Perfect. So at the moment,\n\nChannel 1: Mhmm.\n\nChannel 0: which can obviously be hard hard to know because it's it's quite far away, but do you know when you are planning on retiring or start accessing your superannuation\n\nChannel 1: Yes. Where am I?\n\nChannel 0: at all?\n\nChannel 1: I'm 32. So I'm still targeting 45.\n\nChannel 0: Okay. So 45 is when you want to retire. Now with the current legislation, the earliest you can access superannuation is at the age of 60 if you stop\n\nChannel 1: Yep.\n\nChannel 0: working.\n\nChannel 1: Yes. Yep. I\n\nChannel 0: So\n\nChannel 1: understand.\n\nChannel 0: if you're perfect. If you plan to kind of build, obviously, wealth outside superannuation to draw that income for you so that you can ideally retire at 45?\n\nChannel 1: Correct.\n\nChannel 0: Yeah. Correct. Perfect. That's a nice plan.\n\nChannel 1: I hope\n\nChannel 0: But\n\nChannel 1: it\n\nChannel 0: otherwise\n\nChannel 1: works.\n\nChannel 0: otherwise, when you turn 60, you would kind of plan to take your superannuation or at least draw an income or something for it.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now the next question is when it comes to inflation. So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is is costing a bit more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation. Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk?\n\nChannel 1: Hi.\n\nChannel 0: Hi, Patrick. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 26% due to general trends in the financial markets. Now would you want to take advantage of that drop in prices by thinking that now is potentially a good time to invest a little bit more if you had the option to do so? Would you hold? Kinda wait and see what happens, or would you want to shift to a more secure asset so that means you are then obviously selling when the prices have dropped?\n\nChannel 1: You might submit more.\n\nChannel 0: Yeah. Invest a bit more. Perfect. Now the next one here is in regards to, again, fluctuations. Sorry.\n\nHave you ever noticed your superannuation fluctuate? Now, obviously, recently, there's been a lot going on in the world. That's obviously seen a a bit of fluctuation to the market and everything, which I'm sure you've seen obviously with your personal investments as well.\n\nChannel 1: Yes.\n\nChannel 0: If you did see it, how did that make you feel? Would you say optimistic about potential opportunities, a bit more cautious, not making further investment, concerned, or highly anxious?\n\nChannel 1: I don't care.\n\nChannel 0: Okay. So kind of\n\nChannel 1: Yeah.\n\nChannel 0: just in in\n\nChannel 1: It\n\nChannel 0: in the\n\nChannel 1: it doesn't\n\nChannel 0: middle?\n\nChannel 1: impact me. I I I don't I don't watch it that much, to be honest.\n\nChannel 0: Yes. Yes. Perfect. Now 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. Perfect. Just kind of for investment property purposes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Great. Now, Emmy, that tells me that you have come out as a high growth investor. And at the moment, we do have you invested in a high growth portfolio. Do you\n\nChannel 1: Yeah.\n\nChannel 0: kind of remember what it means to be a high growth investor at all?\n\nChannel 1: What do you mean? It's not as high as very high, and then it's higher than the moderate. That's\n\nChannel 0: Kind of. So, you know, it is it is someone who's looking at getting as much growth as you possibly can out of your superannuation,\n\nChannel 1: yep.\n\nChannel 0: you know, while you do have plenty of time. You know?\n\nChannel 1: Yep.\n\nChannel 0: But you are also prepared to experience, you know, some higher levels of fluctuations in the short term in order\n\nChannel 1: Yep.\n\nChannel 0: to achieve that growth in the long term. And, typically, when we are looking at an asset allocation point of view, we see about 90% invested in your growth assets. So that will be,\n\nChannel 1: Yep.\n\nChannel 0: obviously, Australian shares, international shares, property, and commodities. And that is ultimately what is going to maximize those returns for you and about 10% in your defensive assets, like your cash, your fixed interest, and then gold can kind of fit into both. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense? Are you still quite comfortable with with a high growth\n\nChannel 1: Yes.\n\nChannel 0: portfolio? Yep.\n\nChannel 1: Comparable.\n\nChannel 0: Great. Perfect. And when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations, as a high growth investor, typically, we see minimum eight years until retirement, which you certainly have. So from a time point of view, you are definitely in a good position as long as, yeah, obviously, you are comfortable with that. So we\n\nChannel 1: Yep.\n\nChannel 0: will leave that. Now did that email come through at all with the attachments?\n\nChannel 1: Email. Let me check. Let\n\nChannel 0: Yep.\n\nChannel 1: me check. Let me check.\n\nChannel 0: It could also go into the spam folder because we have recently changed the software. So it will look a little bit different\n\nChannel 1: Which\n\nChannel 0: to\n\nChannel 1: which email address you you send it through?\n\nChannel 0: let me triple check here for you. We send it through good luck\n\nChannel 1: That\n\nChannel 0: x\n\nChannel 1: is\n\nChannel 0: r\n\nChannel 1: that? Oh,\n\nChannel 0: yeah.\n\nChannel 1: yeah. There you go.\n\nChannel 0: Yeah.\n\nChannel 1: Signature request.\n\nChannel 0: Yes. Now before you click on to the signature request, it will look a little bit different. So before you click in, you will actually see the a couple of attachments. Now these have just been provided through you. They don't need to be signed.\n\nBut if you wanna\n\nChannel 1: Okay.\n\nChannel 0: have a look at those first, now you will see can you see one that says, like, the OQ Financial Services Guide?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Now I won't get you to go into those two. They are quite similar to the other ones you have been provided. It's just our financial services guide. We have\n\nChannel 1: Uh-huh.\n\nChannel 0: just made a bit of an update. So we've done a bit of a revamp to our marketing, so you you will have a look when you do look at them that we've kind of had a bit of an extension to the team\n\nChannel 1: Mhmm.\n\nChannel 0: as well, which which is nice. And all the information about the team, our director of advisers, I'm on there on page six, I believe, as well. If\n\nChannel 1: Yep.\n\nChannel 0: you do wanna put a face to the voice, but that's basically it. You know, everything that you do need to know about us is in that one for you.\n\nChannel 1: Alright.\n\nChannel 0: It kind of complements the services guide, which you will see as well. It's just kind of a shorter version of that.\n\nChannel 1: Yep.\n\nChannel 0: Now do you also see a super and insurance summary\n\nChannel 1: Yes.\n\nChannel 0: attached\n\nChannel 1: To run\n\nChannel 0: to\n\nChannel 1: the\n\nChannel 0: it?\n\nChannel 1: insurance.\n\nChannel 0: Yeah.\n\nChannel 1: I'm right. Yep.\n\nChannel 0: Yeah. Perfect. Now if you do wanna click on that one for me if you can, it will then\n\nChannel 1: Yep.\n\nChannel 0: show you your current super insurance. So you have your superannuation in hub twenty four. You'll see your current super balance as of this the March 2 when we prepare those documents, so about 198,936. And\n\nChannel 1: Yep.\n\nChannel 0: then underneath that, you have your insurances. So you have an income protection policy with Pell. Now the benefit period for that one is to age 65 with\n\nChannel 1: Yep.\n\nChannel 0: a full week waiting period, and the monthly amount is 9,796.\n\nChannel 1: Yep.\n\nChannel 0: You do have a small portion paid outside superannuation to get a couple of those additional benefits, which is great.\n\nChannel 1: Yes.\n\nChannel 0: The out of pocket benefit is about a $177 a year, which is\n\nChannel 1: Yep.\n\nChannel 0: which is pretty good. Now, obviously, with your income increasing a bit, you can potentially be covered for more if you would like.\n\nChannel 1: I think I'm\n\nChannel 0: It's\n\nChannel 1: comfortable where where it is at a moment.\n\nChannel 0: great. Perfect. Because I was going to say as well that if it is something that you want to increase, it would mean we have to go through, like, the underwriting process and everything like that, and\n\nChannel 1: Yeah.\n\nChannel 0: that would\n\nChannel 1: Yep.\n\nChannel 0: obviously increase the premium. And if you feel like that 9,729 would kind of cover bills and expenses and you're happy with that, then we can definitely leave that for the time being anyway.\n\nChannel 1: Yep. Yep. Comfortable.\n\nChannel 0: Yep. Perfect. Great. Now you don't have any life or total permanent disability in trauma insurance. You're still quite comfortable to to only have that income protection?\n\nChannel 1: Consular.\n\nChannel 0: Yep. Great. Perfect. Now the other attachments you will see, you will see a Vanguard index chart. You may have seen this one before if you are quite familiar with, obviously, in investing.\n\nBut, basically,\n\nChannel 1: Yep.\n\nChannel 0: that one just gives you just a good visual representation of what's happened in the market. It breaks down the different asset classes and how they kind of tend to behave and have done historically going back to 1995 there for you. Now you will also seek through certificate of currency if you tell insurances. Basically, just breaks it down in a bit more detail for you, but lets you know that's all paid and up to date.\n\nChannel 1: Yeah.\n\nChannel 0: Now you will also have a let me see here. A twelve month return for your investments in hub twenty four. Can you see that one okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now that one just breaks down the investments and kind of what's happened in the last twelve months, all net of fees. So you can see all your investments, how they have performed. Now if we look at the last twelve months, obviously, factoring in that a lot has happened in the market.\n\nThe last the last twelve months after fees, the portfolio has still gone up, which is good, but it's\n\nChannel 1: Yeah.\n\nChannel 0: about 4.28%. Now one of the investments in your portfolio, which is your Benelon Australian equity, now that is a a managed fund that's obviously added to your portfolio at the time when you came on board because it was doing really well. And the\n\nChannel 1: Yep.\n\nChannel 0: purpose of it was to give you that active management. So they're obviously focusing on actively buying and selling investment in order to kinda outperform the market.\n\nChannel 1: Yeah.\n\nChannel 0: Now more recently, they kind of have underperformed a little bit through what we expected them or what we would have liked. And one of the reasons for their kind of underperformance at the moment is one of their investments that they had in their portfolio was corporate travel group. You may have heard or or seen anything about that, but they had a bit of issues with their reporting, which meant that they were suspended from trading for a while. So\n\nChannel 1: Yes.\n\nChannel 0: that obviously caused,\n\nChannel 1: Okay.\n\nChannel 0: yeah, that caused the the price to to drop. So if you are happy for me to do so, I would like to do a bit more investigation into their investments for you and see if I can find another option to swap that one out for that is going to do a little bit better and do a bit more for you moving forward.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now with your investments as well, have you recently read our newsletter at all? Is that something you you keep an eye on or not really?\n\nChannel 1: Not really, to be honest.\n\nChannel 0: No. No. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: I don't put too much sweat effort in\n\nChannel 0: No. That's totally fine. The reason I ask is because we have recently merged or partnered up with BlackRock, which you may have heard of.\n\nChannel 1: Sorry. What was that?\n\nChannel 0: We have recently partnered up with BlackRock, which\n\nChannel 1: Yes.\n\nChannel 0: you\n\nChannel 1: I'm just\n\nChannel 0: you may\n\nChannel 1: reading\n\nChannel 0: have heard\n\nChannel 1: this\n\nChannel 0: of.\n\nChannel 1: right now.\n\nChannel 0: Perfect. So we have just launched an SMA. Are you quite across what an SMA is? Do you know much\n\nChannel 1: No.\n\nChannel 0: about it? No.\n\nChannel 1: No.\n\nChannel 0: So an SMA, it is a self managed account. Now it works a little bit different to how your portfolio is currently constructed in Hub twenty four. The biggest kind of change is that in Hub twenty four at the moment, you will see all your individual investments. And if we would like to go and and make a change to any of the investments, like, for example, with the Bennelong investment, we would obviously go and do all the research. I would present everything in a new statement of advice for you, run through the changes, and then you would have to sign the document\n\nChannel 1: Yeah.\n\nChannel 0: and agree to the changes before we can make any changes. So from a paperwork compliance point of view, it is quite lengthy in that process to obviously put everything together.\n\nChannel 1: Yeah.\n\nChannel 0: The diff with the SMA is that you would be not invested in each and every single investment. You would be invested in the the SMA product itself. So you would still\n\nChannel 1: Okay.\n\nChannel 0: have a range of underlying investment, but the difference is that because you're invested in the the SMA product, we can then easily chop and change investment. If we foresee that one investment isn't going to do well, we can very quickly do that in the back end. You will still get notified of the change, but you don't have to go through the s the SOA process or and approve and agree through the change in order for us to make the change. So it\n\nChannel 1: Yeah.\n\nChannel 0: eliminates the the kind of the compliance and the research side of it, which is you just invested in the SMA. But it allows us to kind of do a bit more of that active approach underlying to your investment. And, obviously, partnering up with BlackRock, we obviously jointly do all their investment knowledge and resources and tools and stuff like that. We have access through with the SMA investment, but it\n\nChannel 1: Yep.\n\nChannel 0: will mean that you would have a little bit less oversight of when we are making changes to your investment.\n\nChannel 1: Yeah.\n\nChannel 0: Is that something you are comfortable with if I do the research and it's going to put you in a better position than what you currently have, or do you prefer the the model you have now where we present the change and you decide if you're happy with the change before we make a change?\n\nChannel 1: Yeah. I'm happy with the current oil.\n\nChannel 0: Happy with the current model? Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. That's good. I'll still review your current investment, though, and see if if we can make changes, especially that Benelung because it has underperformed a little bit. Obviously, there's been a lot of changes to reinvestments since and, been a bit of cyclical with the market, but that been along, we kind of don't foresee it changing too much, so we wanna, look to change that. So I'll go and do some research on that investment for you, keep you in a\n\nChannel 1: Yeah.\n\nChannel 0: high growth portfolio, also factoring in that we wanna minimize the capital gains tax and, obviously, selling investments. I'll put all of that in a research document for you and present\n\nChannel 1: Yeah.\n\nChannel 0: it, and then you can let me know if you're happy with the change and what your thoughts are.\n\nChannel 1: Yeah. All good.\n\nChannel 0: Perfect. Perfect. Now it will take me a a couple of weeks to get all of this together. But as soon as I do, I'll give you a call, run through it, and then we can take it from there.\n\nChannel 1: Yeah. All good.\n\nChannel 0: Yep. Perfect. Now the last thing is then if you are able to click on that sign document, you will see, I believe, there's true attachments.\n\nChannel 1: Alright. Let me see. Okay. Consent\n\nChannel 0: And it should\n\nChannel 1: in you ongoing fee arrangement.\n\nChannel 0: yes. So that one is to say that you're obviously happy to stay on as a client for us to service and manage everything for you. It's not a locking contract at any point in time. So if at any point in time you are not happy with your services, you can cancel at any time. There is no locking contract.\n\nSo this essentially just allows us to keep servicing your account in the meantime. Now you will see here as well that, obviously, with the fees, because your your partner is a client, that\n\nChannel 1: Yeah.\n\nChannel 0: has been reduced. So it's only 1.1% ongoing from your due valuation balance. Nothing\n\nChannel 1: Yeah.\n\nChannel 0: out of pocket. No changes to that otherwise.\n\nChannel 1: Alright.\n\nChannel 0: And\n\nChannel 1: Heavyweight.\n\nChannel 0: then I think perfect. And then I think the last one that I'll ask you to sign is just a tax file number consent form. It's just to say that we're keeping your tax file number secure and safe on file.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Also,\n\nChannel 0: it\n\nChannel 1: that's fine. Alright.\n\nChannel 0: perfect. So if you're happy to do so, if you wanna click and sign those documents, that will then come through to me. I'll get that processed in the back end. And then in the meantime, I will also go and do that research on your super invest.\n\nChannel 1: Yep. I'm just doing\n\nChannel 0: Perfect.\n\nChannel 1: it\n\nChannel 0: Is there\n\nChannel 1: now.\n\nChannel 0: anything else you would like me to research or have a look at for you, or it's mainly just just to see how those investments are changing potentially?\n\nChannel 1: Yeah. Pretty much that.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright. It's loading. It should\n\nChannel 0: Yep.\n\nChannel 1: sign.\n\nChannel 0: Okay. Perfect. If it's sometimes it takes a little bit to come back. So if it says it's completed and assigned on your end, I'm\n\nChannel 1: Yeah.\n\nChannel 0: sure it'll pop up on on my end in a couple of minutes. But, otherwise, I will let you go and enjoy the rest of your day at work. So thank\n\nChannel 1: Yes.\n\nChannel 0: you so much for your time this morning. And like I said, I'll be in touch in a couple of weeks to run through all that research with the investments for you.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Do you have any other questions for me before I let you go all the way?\n\nChannel 1: No. No question.\n\nChannel 0: Nope. Okay. Perfect. I will also get the team to email you that lawyer information and then post out those beneficial reforms as well. So, obviously, take your time and understand what you would like to do with those.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Well, thank you so much, Emmy, and I hope you have a lovely rest of your day.\n\nChannel 1: Alright. Thank you very much.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Okay. Bye bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.12,"end":1.28,"sentiment":"neutral","sentiment_score":0.02527404204010963},{"text":"May I speak?","start":1.28,"end":2.02,"sentiment":"neutral","sentiment_score":0.028059837718804676}],"sentiment":"neutral","sentiment_score":0.027363388799130917,"channel":1,"num_words":4,"start":1.12,"end":2.02},{"sentences":[{"text":"Good","start":3.4399998,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.2799307703971863}],"sentiment":"neutral","sentiment_score":0.2799307703971863,"channel":0,"num_words":1,"start":3.4399998,"end":3.6799998},{"sentences":[{"text":"Hello?","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":0.19029010832309723}],"sentiment":"neutral","sentiment_score":0.19029010832309723,"channel":1,"num_words":1,"start":3.6799998,"end":4.18},{"sentences":[{"text":"morning, Emmy.","start":3.6799998,"end":4.24,"sentiment":"neutral","sentiment_score":0.19962360709905624},{"text":"It's Veronica","start":4.24,"end":5.46,"sentiment":"neutral","sentiment_score":0.1395367905497551}],"sentiment":"neutral","sentiment_score":0.16958019882440567,"channel":0,"num_words":4,"start":3.6799998,"end":5.46},{"sentences":[{"text":"Morning.","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.1714189201593399}],"sentiment":"neutral","sentiment_score":0.1714189201593399,"channel":1,"num_words":1,"start":5.12,"end":5.62},{"sentences":[{"text":"from OQ Financial.","start":5.52,"end":6.66,"sentiment":"neutral","sentiment_score":0.18242723246415457},{"text":"How are you?","start":6.7999997,"end":7.54,"sentiment":"neutral","sentiment_score":0.1857570856809616}],"sentiment":"neutral","sentiment_score":0.18409215907255808,"channel":0,"num_words":6,"start":5.52,"end":7.54},{"sentences":[{"text":"Very 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you?","start":14.0,"end":15.765,"sentiment":"neutral","sentiment_score":0.32905179634690285}],"sentiment":"positive","sentiment_score":0.40557999908924103,"channel":0,"num_words":22,"start":9.12,"end":15.765},{"sentences":[{"text":"Yep.","start":15.955,"end":16.275,"sentiment":"neutral","sentiment_score":0.20510634779930115},{"text":"Do a good time.","start":16.275,"end":17.175,"sentiment":"positive","sentiment_score":0.3482159152626991}],"sentiment":"neutral","sentiment_score":0.3195940017700195,"channel":1,"num_words":5,"start":15.955,"end":17.175},{"sentences":[{"text":"Yes.","start":17.445,"end":17.925,"sentiment":"neutral","sentiment_score":0.29659175872802734},{"text":"Perfect.","start":17.925,"end":18.425,"sentiment":"positive","sentiment_score":0.4699140787124634},{"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 with you.","start":18.885,"end":26.585,"sentiment":"neutral","sentiment_score":0.05045292388287283}],"sentiment":"neutral","sentiment_score":0.07062262053968328,"channel":0,"num_words":33,"start":17.445,"end":26.585},{"sentences":[{"text":"Yeah.","start":26.915,"end":27.154999,"sentiment":"neutral","sentiment_score":0.08850610256195068},{"text":"That's okay.","start":27.154999,"end":27.895,"sentiment":"neutral","sentiment_score":0.11795369535684586}],"sentiment":"neutral","sentiment_score":0.1081378310918808,"channel":1,"num_words":3,"start":26.915,"end":27.895},{"sentences":[{"text":"Yep.","start":28.18,"end":28.5,"sentiment":"neutral","sentiment_score":0.1615993082523346},{"text":"Perfect.","start":28.5,"end":29.0,"sentiment":"neutral","sentiment_score":0.2853924632072449},{"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":29.060001,"end":36.28,"sentiment":"neutral","sentiment_score":0.0763914417475462}],"sentiment":"neutral","sentiment_score":0.08689890203199216,"channel":0,"num_words":28,"start":28.18,"end":36.28},{"sentences":[{"text":"Yes.","start":37.14,"end":37.62,"sentiment":"neutral","sentiment_score":0.032808318734169006},{"text":"True name first name, x I n r n, z h a o.","start":37.62,"end":41.08,"sentiment":"neutral","sentiment_score":0.03858244705658693}],"sentiment":"neutral","sentiment_score":0.03817000931927136,"channel":1,"num_words":14,"start":37.14,"end":41.08},{"sentences":[{"text":"Yep.","start":41.635,"end":42.135,"sentiment":"neutral","sentiment_score":0.02950792759656906}],"sentiment":"neutral","sentiment_score":0.02950792759656906,"channel":0,"num_words":1,"start":41.635,"end":42.135},{"sentences":[{"text":"Sorry.","start":41.895,"end":42.295002,"sentiment":"neutral","sentiment_score":0.011143802665174007},{"text":"Last name is z h a o.","start":42.295002,"end":43.835,"sentiment":"neutral","sentiment_score":0.011633956538779395},{"text":"Address, 228 Beachboro Road, North","start":43.895,"end":46.555,"sentiment":"neutral","sentiment_score":0.02861768566071987}],"sentiment":"neutral","sentiment_score":0.01812845590309455,"channel":1,"num_words":13,"start":41.895,"end":46.555},{"sentences":[{"text":"Yep.","start":48.274998,"end":48.774998,"sentiment":"neutral","sentiment_score":0.03549396991729736},{"text":"And the state of birth as well, please.","start":48.995,"end":50.695,"sentiment":"neutral","sentiment_score":0.028506879694759846}],"sentiment":"neutral","sentiment_score":0.02928322305281957,"channel":0,"num_words":9,"start":48.274998,"end":50.695},{"sentences":[{"text":"10.","start":51.575,"end":55.595,"sentiment":"neutral","sentiment_score":0.030306659638881683}],"sentiment":"neutral","sentiment_score":0.030306659638881683,"channel":1,"num_words":1,"start":51.575,"end":55.595},{"sentences":[{"text":"Yep.","start":55.81,"end":56.29,"sentiment":"neutral","sentiment_score":0.07047626376152039},{"text":"Perfect.","start":56.29,"end":56.690002,"sentiment":"neutral","sentiment_score":0.2868525981903076},{"text":"That's exactly what I have here.","start":56.690002,"end":58.47,"sentiment":"positive","sentiment_score":0.39463163415590924},{"text":"Now are do you have access to your emails at the moment, or are you just kind of driving and and on the way to work or something?","start":59.41,"end":65.75,"sentiment":"neutral","sentiment_score":0.03046492932896529}],"sentiment":"neutral","sentiment_score":0.09939268578050865,"channel":0,"num_words":36,"start":55.81,"end":65.75},{"sentences":[{"text":"I'm at work.","start":67.44,"end":68.26,"sentiment":"neutral","sentiment_score":0.007116588143010934}],"sentiment":"neutral","sentiment_score":0.007116588143010934,"channel":1,"num_words":3,"start":67.44,"end":68.26},{"sentences":[{"text":"Yeah.","start":68.605,"end":68.925,"sentiment":"neutral","sentiment_score":0.04027516394853592},{"text":"Okay.","start":68.925,"end":69.425,"sentiment":"neutral","sentiment_score":0.04127036780118942},{"text":"Do you have the option of getting into your emails this morning","start":69.965004,"end":73.885,"sentiment":"neutral","sentiment_score":0.02845807544266184}],"sentiment":"neutral","sentiment_score":0.030217316932976246,"channel":0,"num_words":14,"start":68.605,"end":73.885},{"sentences":[{"text":"Yeah.","start":73.655,"end":74.155,"sentiment":"neutral","sentiment_score":0.011911170557141304}],"sentiment":"neutral","sentiment_score":0.011911170557141304,"channel":1,"num_words":1,"start":73.655,"end":74.155},{"sentences":[{"text":"or or not not really?","start":73.885,"end":75.185005,"sentiment":"neutral","sentiment_score":0.0013397514820098877}],"sentiment":"neutral","sentiment_score":0.0013397514820098877,"channel":0,"num_words":5,"start":73.885,"end":75.185005},{"sentences":[{"text":"Go ahead.","start":75.575005,"end":76.315,"sentiment":"neutral","sentiment_score":0.037920018658041954}],"sentiment":"neutral","sentiment_score":0.037920018658041954,"channel":1,"num_words":2,"start":75.575005,"end":76.315},{"sentences":[{"text":"Yeah?","start":75.965004,"end":76.465004,"sentiment":"neutral","sentiment_score":0.04574690759181976},{"text":"Yep.","start":76.525,"end":76.845,"sentiment":"neutral","sentiment_score":0.07230871915817261},{"text":"Okay.","start":76.845,"end":77.165,"sentiment":"neutral","sentiment_score":0.15268951654434204},{"text":"Perfect.","start":77.165,"end":77.665,"sentiment":"neutral","sentiment_score":0.25499385595321655},{"text":"So what I'm going to do is I'm going to shortly send you some documents to run through during the annual review, and it does make it a bit easier for you if you can see those at the same time.","start":77.725006,"end":87.159996,"sentiment":"neutral","sentiment_score":0.1763396497543265}],"sentiment":"neutral","sentiment_score":0.1723481030927764,"channel":0,"num_words":45,"start":75.965004,"end":87.159996},{"sentences":[{"text":"So that will be processed shortly.","start":88.02,"end":89.799995,"sentiment":"neutral","sentiment_score":0.1086055189371109},{"text":"The the system is a little bit slow this morning, so let me know when that one comes through.","start":89.85999,"end":94.35999,"sentiment":"neutral","sentiment_score":-0.1625974688090776},{"text":"But while I do wait for that to come through, before I kind of jump into the fact finding stuff, I do like to usually 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 extra on.","start":94.81999,"end":110.935,"sentiment":"neutral","sentiment_score":0.005518765679814599}],"sentiment":"neutral","sentiment_score":-0.02667733351700008,"channel":0,"num_words":80,"start":88.02,"end":110.935},{"sentences":[{"text":"Not ready.","start":112.13,"end":112.95,"sentiment":"neutral","sentiment_score":-0.13451046496629715}],"sentiment":"neutral","sentiment_score":-0.13451046496629715,"channel":1,"num_words":2,"start":112.13,"end":112.95},{"sentences":[{"text":"No.","start":113.08,"end":113.4,"sentiment":"neutral","sentiment_score":-0.07027997821569443},{"text":"Just just usual review just to see","start":113.4,"end":115.24,"sentiment":"neutral","sentiment_score":-0.04637189848082406}],"sentiment":"neutral","sentiment_score":-0.04936040844768286,"channel":0,"num_words":8,"start":113.08,"end":115.24},{"sentences":[{"text":"Yep.","start":115.17,"end":115.67,"sentiment":"neutral","sentiment_score":-0.03016020357608795}],"sentiment":"neutral","sentiment_score":-0.03016020357608795,"channel":1,"num_words":1,"start":115.17,"end":115.67},{"sentences":[{"text":"what's happened.","start":115.24,"end":115.98,"sentiment":"neutral","sentiment_score":-0.025694911368191242},{"text":"Yep.","start":116.12,"end":116.62,"sentiment":"neutral","sentiment_score":0.05058752000331879}],"sentiment":"neutral","sentiment_score":-0.0002674342443545659,"channel":0,"num_words":3,"start":115.24,"end":116.62},{"sentences":[{"text":"Yep.","start":116.37,"end":116.87,"sentiment":"neutral","sentiment_score":0.08288897573947906}],"sentiment":"neutral","sentiment_score":0.08288897573947906,"channel":1,"num_words":1,"start":116.37,"end":116.87},{"sentences":[{"text":"Perfect.","start":116.76,"end":117.26,"sentiment":"neutral","sentiment_score":0.22543904185295105},{"text":"Now bear with me as I go through.","start":118.44,"end":120.04,"sentiment":"neutral","sentiment_score":0.08751033071894199},{"text":"Just a bit of an updated fact find just to see if there's anything that's changed in your life","start":120.04,"end":124.54,"sentiment":"neutral","sentiment_score":-0.011123765407032088}],"sentiment":"neutral","sentiment_score":0.02550607660253133,"channel":0,"num_words":28,"start":116.76,"end":124.54},{"sentences":[{"text":"Yep.","start":125.085,"end":125.585,"sentiment":"neutral","sentiment_score":-0.009185997769236565}],"sentiment":"neutral","sentiment_score":-0.009185997769236565,"channel":1,"num_words":1,"start":125.085,"end":125.585},{"sentences":[{"text":"which might require us to make any changes to your advice at all.","start":125.375,"end":129.315,"sentiment":"neutral","sentiment_score":-0.057839054900866285},{"text":"Now when it comes to your your personal information, I do have you here down as single with no financial dependents.","start":130.735,"end":137.555,"sentiment":"neutral","sentiment_score":0.00001651922329550698},{"text":"Is that correct?","start":137.61499,"end":138.435,"sentiment":"neutral","sentiment_score":0.00876341542849938}],"sentiment":"neutral","sentiment_score":-0.01960190712801508,"channel":0,"num_words":37,"start":125.375,"end":138.435},{"sentences":[{"text":"Married as of last year, July 16.","start":139.37999,"end":142.75998,"sentiment":"neutral","sentiment_score":0.002905692173434155}],"sentiment":"neutral","sentiment_score":0.002905692173434155,"channel":1,"num_words":7,"start":139.37999,"end":142.75998},{"sentences":[{"text":"Oh,","start":143.49,"end":143.73,"sentiment":"neutral","sentiment_score":0.07421144098043442}],"sentiment":"neutral","sentiment_score":0.07421144098043442,"channel":0,"num_words":1,"start":143.49,"end":143.73},{"sentences":[{"text":"I'm sorry.","start":143.62,"end":144.01999,"sentiment":"neutral","sentiment_score":0.0870412066578865}],"sentiment":"neutral","sentiment_score":0.0870412066578865,"channel":1,"num_words":2,"start":143.62,"end":144.01999},{"sentences":[{"text":"perfect.","start":143.73,"end":144.21,"sentiment":"neutral","sentiment_score":0.24843594431877136}],"sentiment":"neutral","sentiment_score":0.24843594431877136,"channel":0,"num_words":1,"start":143.73,"end":144.21},{"sentences":[{"text":"June","start":144.01999,"end":144.34,"sentiment":"neutral","sentiment_score":0.11137886345386504}],"sentiment":"neutral","sentiment_score":0.11137886345386504,"channel":1,"num_words":1,"start":144.01999,"end":144.34},{"sentences":[{"text":"Well","start":144.21,"end":144.37,"sentiment":"neutral","sentiment_score":0.07310793548822403}],"sentiment":"neutral","sentiment_score":0.07310793548822403,"channel":0,"num_words":1,"start":144.21,"end":144.37},{"sentences":[{"text":"June June 16.","start":144.34,"end":145.48001,"sentiment":"neutral","sentiment_score":0.14645735174417496}],"sentiment":"neutral","sentiment_score":0.14645735174417496,"channel":1,"num_words":3,"start":144.34,"end":145.48001},{"sentences":[{"text":"oh, congratulations.","start":146.05,"end":146.79001,"sentiment":"positive","sentiment_score":0.6195537447929382},{"text":"That's very exciting.","start":148.37,"end":149.35,"sentiment":"positive","sentiment_score":0.7709704836209615}],"sentiment":"positive","sentiment_score":0.7104037880897522,"channel":0,"num_words":5,"start":146.05,"end":149.35},{"sentences":[{"text":"That's alright.","start":149.985,"end":150.72499,"sentiment":"neutral","sentiment_score":0.3170998841524124}],"sentiment":"neutral","sentiment_score":0.3170998841524124,"channel":1,"num_words":2,"start":149.985,"end":150.72499},{"sentences":[{"text":"And what's your your partner's 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you so much.","start":192.35,"end":193.41,"sentiment":"positive","sentiment_score":0.613190695643425},{"text":"Now would you like him nominated as your next of kin as well?","start":193.95,"end":198.05,"sentiment":"neutral","sentiment_score":0.21360780069461235},{"text":"Would you wanna nominate someone 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other assets that we haven't gone over or any other changes?","start":740.365,"end":744.14496,"sentiment":"neutral","sentiment_score":0.0916163024182121}],"sentiment":"neutral","sentiment_score":0.10194129613228142,"channel":0,"num_words":16,"start":736.76495,"end":744.14496},{"sentences":[{"text":"Let me check.","start":745.395,"end":746.375,"sentiment":"neutral","sentiment_score":0.01467830284188191},{"text":"I think I have real tinto 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that was basically all of our information I had to go through, so thank you for that.","start":956.86505,"end":961.125,"sentiment":"positive","sentiment_score":0.4907997399568558}],"sentiment":"positive","sentiment_score":0.4928316928838429,"channel":0,"num_words":19,"start":952.945,"end":961.125},{"sentences":[{"text":"Yep.","start":961.5,"end":962.0,"sentiment":"neutral","sentiment_score":0.20010606944561005}],"sentiment":"neutral","sentiment_score":0.20010606944561005,"channel":1,"num_words":1,"start":961.5,"end":962.0},{"sentences":[{"text":"The the next thing is just to quickly run through a bit of an updated risk profile questionnaire, and that is basically just to see if we need to make any changes to your investment portfolio within your superannuation there.","start":961.56,"end":974.265,"sentiment":"neutral","sentiment_score":0.15865585785359143},{"text":"So there's no right or wrong answer or multiple choice to make to make it nice and 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moment,","start":989.0,"end":990.94,"sentiment":"neutral","sentiment_score":-0.0215654072817415}],"sentiment":"neutral","sentiment_score":-0.014509199610487982,"channel":0,"num_words":11,"start":984.265,"end":990.94},{"sentences":[{"text":"Mhmm.","start":990.8325,"end":991.3325,"sentiment":"neutral","sentiment_score":-0.03149118274450302}],"sentiment":"neutral","sentiment_score":-0.03149118274450302,"channel":1,"num_words":1,"start":990.8325,"end":991.3325},{"sentences":[{"text":"which can obviously be hard hard to know because it's it's quite far away, but do you know when you are planning on retiring or start accessing your 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targeting 45.","start":1007.505,"end":1010.4,"sentiment":"neutral","sentiment_score":-0.01376330927014351}],"sentiment":"neutral","sentiment_score":-0.01341688260436058,"channel":1,"num_words":7,"start":1006.145,"end":1010.4},{"sentences":[{"text":"Okay.","start":1010.96497,"end":1011.46497,"sentiment":"neutral","sentiment_score":0.009608865715563296},{"text":"So 45 is when you want to retire.","start":1011.845,"end":1014.425,"sentiment":"neutral","sentiment_score":0.016086073592305183},{"text":"Now with the current legislation, the earliest you can access superannuation is at the age of 60 if you 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you're perfect.","start":1024.2,"end":1025.48,"sentiment":"neutral","sentiment_score":0.18768028418223062},{"text":"If you plan to kind of build, obviously, wealth outside superannuation to draw that income for you so that you can ideally retire at 45?","start":1025.48,"end":1034.735,"sentiment":"neutral","sentiment_score":0.1024128021299839}],"sentiment":"neutral","sentiment_score":0.1115486037784389,"channel":0,"num_words":28,"start":1024.2,"end":1034.735},{"sentences":[{"text":"Correct.","start":1035.075,"end":1035.575,"sentiment":"neutral","sentiment_score":0.11140861362218855}],"sentiment":"neutral","sentiment_score":0.11140861362218855,"channel":1,"num_words":1,"start":1035.075,"end":1035.575},{"sentences":[{"text":"Yeah.","start":1035.915,"end":1036.395,"sentiment":"neutral","sentiment_score":0.13385765254497528},{"text":"Correct.","start":1036.395,"end":1036.795,"sentiment":"neutral","sentiment_score":0.22504109144210815},{"text":"Perfect.","start":1036.795,"end":1037.295,"sentiment":"positive","sentiment_score":0.5199679136276245},{"text":"That's a nice 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when you turn 60, you would kind of plan to take your superannuation or at least draw an income or something for it.","start":1041.755,"end":1048.39,"sentiment":"neutral","sentiment_score":0.011509144213050604}],"sentiment":"neutral","sentiment_score":0.011509144213050604,"channel":0,"num_words":24,"start":1041.755,"end":1048.39},{"sentences":[{"text":"Yep.","start":1048.74,"end":1049.24,"sentiment":"neutral","sentiment_score":0.04053159803152085}],"sentiment":"neutral","sentiment_score":0.04053159803152085,"channel":1,"num_words":1,"start":1048.74,"end":1049.24},{"sentences":[{"text":"Yeah.","start":1049.33,"end":1049.83,"sentiment":"neutral","sentiment_score":0.010816220194101334},{"text":"Now the next question is when it comes to inflation.","start":1050.9299,"end":1053.51,"sentiment":"neutral","sentiment_score":-0.05119752548635006},{"text":"So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is is costing a 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dropped?","start":1108.765,"end":1117.505,"sentiment":"neutral","sentiment_score":-0.08106463799873988}],"sentiment":"neutral","sentiment_score":-0.09944104231460002,"channel":0,"num_words":103,"start":1081.715,"end":1117.505},{"sentences":[{"text":"You might submit more.","start":1118.255,"end":1119.475,"sentiment":"neutral","sentiment_score":-0.04306852072477341}],"sentiment":"neutral","sentiment_score":-0.04306852072477341,"channel":1,"num_words":4,"start":1118.255,"end":1119.475},{"sentences":[{"text":"Yeah.","start":1119.9801,"end":1120.3,"sentiment":"neutral","sentiment_score":0.032553818076848984},{"text":"Invest a bit more.","start":1120.3,"end":1121.42,"sentiment":"neutral","sentiment_score":0.057068757712841034},{"text":"Perfect.","start":1121.42,"end":1121.92,"sentiment":"neutral","sentiment_score":0.2548901438713074},{"text":"Now the next one here is in regards to, again, 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know?","start":1213.7749,"end":1213.9349,"sentiment":"neutral","sentiment_score":0.014789796434342861}],"sentiment":"neutral","sentiment_score":0.022270890799435703,"channel":0,"num_words":11,"start":1211.3099,"end":1213.9349},{"sentences":[{"text":"Yep.","start":1213.91,"end":1214.41,"sentiment":"neutral","sentiment_score":0.0525428019464016}],"sentiment":"neutral","sentiment_score":0.0525428019464016,"channel":1,"num_words":1,"start":1213.91,"end":1214.41},{"sentences":[{"text":"But you are also prepared to experience, you know, some higher levels of fluctuations in the short term in 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both.","start":1235.29,"end":1245.725,"sentiment":"neutral","sentiment_score":0.21155337010111128},{"text":"Does","start":1246.025,"end":1246.345,"sentiment":"neutral","sentiment_score":0.08338886499404907}],"sentiment":"neutral","sentiment_score":0.19385525364090095,"channel":0,"num_words":44,"start":1231.53,"end":1246.345},{"sentences":[{"text":"Yep.","start":1246.22,"end":1246.72,"sentiment":"neutral","sentiment_score":0.12234650552272797}],"sentiment":"neutral","sentiment_score":0.12234650552272797,"channel":1,"num_words":1,"start":1246.22,"end":1246.72},{"sentences":[{"text":"that make sense?","start":1246.345,"end":1247.145,"sentiment":"neutral","sentiment_score":0.12407400707403819},{"text":"Are you still quite comfortable with with a high 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when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations, as a high growth investor, typically, we see minimum eight years until retirement, which you certainly have.","start":1253.145,"end":1264.4,"sentiment":"neutral","sentiment_score":0.25761198099607074},{"text":"So from a time point of view, you are definitely in a good position as long as, yeah, obviously, you are comfortable with that.","start":1264.4,"end":1270.335,"sentiment":"positive","sentiment_score":0.6230481378734112},{"text":"So 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four at the moment, you will see all your individual investments.","start":1678.29,"end":1683.3501,"sentiment":"neutral","sentiment_score":0.0508991712260814},{"text":"And if we would like to go and and make a change to any of the investments, like, for example, with the Bennelong investment, we would obviously go and do all the research.","start":1683.7301,"end":1692.4851,"sentiment":"neutral","sentiment_score":0.08864901384169405},{"text":"I would present everything in a new statement of advice for you, run through the changes, and then you would have to sign the 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change, but you don't have to go through the s the SOA process or and approve and agree through the change in order for us to make the change.","start":1741.8099,"end":1753.255,"sentiment":"neutral","sentiment_score":0.04311641900696688},{"text":"So it","start":1753.635,"end":1754.195,"sentiment":"neutral","sentiment_score":0.05611003562808037}],"sentiment":"neutral","sentiment_score":0.03904722836734944,"channel":0,"num_words":86,"start":1725.1051,"end":1754.195},{"sentences":[{"text":"Yeah.","start":1753.9651,"end":1754.4651,"sentiment":"neutral","sentiment_score":0.10868638753890993}],"sentiment":"neutral","sentiment_score":0.10868638753890993,"channel":1,"num_words":1,"start":1753.9651,"end":1754.4651},{"sentences":[{"text":"eliminates the the kind of the compliance and the research side of it, which is you just invested in the SMA.","start":1754.195,"end":1761.85,"sentiment":"neutral","sentiment_score":0.07418295120199521},{"text":"But it allows us to kind of do a bit more of that 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back.","start":1980.135,"end":1982.215,"sentiment":"neutral","sentiment_score":0.013536399569023739},{"text":"So if it says it's completed and assigned on your end, I'm","start":1982.215,"end":1985.26,"sentiment":"neutral","sentiment_score":0.08700455756237109}],"sentiment":"neutral","sentiment_score":0.06444846905767918,"channel":0,"num_words":25,"start":1979.255,"end":1985.26},{"sentences":[{"text":"Yeah.","start":1985.135,"end":1985.635,"sentiment":"neutral","sentiment_score":0.08939560502767563}],"sentiment":"neutral","sentiment_score":0.08939560502767563,"channel":1,"num_words":1,"start":1985.135,"end":1985.635},{"sentences":[{"text":"sure it'll pop up on on my end in a couple of minutes.","start":1985.26,"end":1988.88,"sentiment":"neutral","sentiment_score":0.2167856372319735},{"text":"But, otherwise, I will let you go and enjoy the rest of your day at work.","start":1989.42,"end":1993.58,"sentiment":"positive","sentiment_score":0.5593639994040132},{"text":"So thank","start":1993.58,"end":1993.98,"sentiment":"positive","sentiment_score":0.6287733763456345}],"sentiment":"positive","sentiment_score":0.4201801299087463,"channel":0,"num_words":31,"start":1985.26,"end":1993.98},{"sentences":[{"text":"Yes.","start":1993.85,"end":1994.35,"sentiment":"positive","sentiment_score":0.6806638240814209}],"sentiment":"positive","sentiment_score":0.6806638240814209,"channel":1,"num_words":1,"start":1993.85,"end":1994.35},{"sentences":[{"text":"you so much for your time this morning.","start":1993.98,"end":1995.76,"sentiment":"positive","sentiment_score":0.8169051334261894},{"text":"And like I said, I'll be in touch in a couple of weeks to run through all that research with the investments for you.","start":1996.14,"end":2001.6549,"sentiment":"positive","sentiment_score":0.4770522154867649}],"sentiment":"positive","sentiment_score":0.562015444971621,"channel":0,"num_words":32,"start":1993.98,"end":2001.6549},{"sentences":[{"text":"Yes.","start":2002.165,"end":2002.665,"sentiment":"neutral","sentiment_score":0.2978802025318146}],"sentiment":"neutral","sentiment_score":0.2978802025318146,"channel":1,"num_words":1,"start":2002.165,"end":2002.665},{"sentences":[{"text":"Yep.","start":2002.755,"end":2003.1549,"sentiment":"positive","sentiment_score":0.337033212184906},{"text":"Perfect.","start":2003.1549,"end":2003.5549,"sentiment":"positive","sentiment_score":0.6375812888145447},{"text":"Do you have any other questions for me before I let you go all the way?","start":2003.5549,"end":2006.615,"sentiment":"neutral","sentiment_score":0.2162664239294827}],"sentiment":"neutral","sentiment_score":0.24638207132617632,"channel":0,"num_words":18,"start":2002.755,"end":2006.615},{"sentences":[{"text":"No.","start":2007.365,"end":2007.685,"sentiment":"neutral","sentiment_score":-0.08752836287021637},{"text":"No question.","start":2007.685,"end":2008.425,"sentiment":"neutral","sentiment_score":-0.08118867129087448}],"sentiment":"neutral","sentiment_score":-0.08330190181732178,"channel":1,"num_words":3,"start":2007.365,"end":2008.425},{"sentences":[{"text":"Nope.","start":2008.195,"end":2008.695,"sentiment":"neutral","sentiment_score":-0.07522959262132645},{"text":"Okay.","start":2008.755,"end":2009.235,"sentiment":"neutral","sentiment_score":0.2179616093635559},{"text":"Perfect.","start":2009.235,"end":2009.735,"sentiment":"positive","sentiment_score":0.4957726001739502},{"text":"I will also get the team to email you that lawyer information and then post out those beneficial reforms as well.","start":2009.955,"end":2016.28,"sentiment":"positive","sentiment_score":0.35639030521824244},{"text":"So, obviously, take your time and understand what you would like to do with those.","start":2016.28,"end":2019.4829,"sentiment":"neutral","sentiment_score":0.15274496773878735}],"sentiment":"neutral","sentiment_score":0.2670224498097713,"channel":0,"num_words":39,"start":2008.195,"end":2019.4829},{"sentences":[{"text":"Yeah.","start":2020.1,"end":2020.6,"sentiment":"neutral","sentiment_score":0.215120330452919}],"sentiment":"neutral","sentiment_score":0.215120330452919,"channel":1,"num_words":1,"start":2020.1,"end":2020.6},{"sentences":[{"text":"Yep.","start":2020.8429,"end":2021.3229,"sentiment":"neutral","sentiment_score":0.2738567292690277},{"text":"Perfect.","start":2021.3229,"end":2021.8229,"sentiment":"positive","sentiment_score":0.6438724398612976},{"text":"Well, thank you so much, Emmy, and I hope you have a lovely rest of your day.","start":2021.9629,"end":2025.7429,"sentiment":"positive","sentiment_score":0.7809636277310988}],"sentiment":"positive","sentiment_score":0.7470584652925792,"channel":0,"num_words":19,"start":2020.8429,"end":2025.7429},{"sentences":[{"text":"Alright.","start":2025.9229,"end":2026.2428,"sentiment":"positive","sentiment_score":0.5125367641448975},{"text":"Thank you very much.","start":2026.2428,"end":2027.2229,"sentiment":"positive","sentiment_score":0.7596099078655243}],"sentiment":"positive","sentiment_score":0.7101952791213989,"channel":1,"num_words":5,"start":2025.9229,"end":2027.2229},{"sentences":[{"text":"Thanks.","start":2027.2429,"end":2027.7429,"sentiment":"positive","sentiment_score":0.6500588059425354},{"text":"Bye.","start":2027.8029,"end":2028.3029,"sentiment":"positive","sentiment_score":0.35646963119506836}],"sentiment":"positive","sentiment_score":0.5032642185688019,"channel":0,"num_words":2,"start":2027.2429,"end":2028.3029},{"sentences":[{"text":"Okay.","start":2028.3229,"end":2028.6428,"sentiment":"neutral","sentiment_score":0.21941086649894712},{"text":"Bye bye.","start":2028.6428,"end":2029.3828,"sentiment":"neutral","sentiment_score":0.022672291845083237}],"sentiment":"neutral","sentiment_score":0.08825181672970454,"channel":1,"num_words":3,"start":2028.3229,"end":2029.3828}]},"summary":{"result":"success","short":"Representatives from OQ Financial read documents to the customer during annual reviews and ask about personal and employment information, retirement and savings contributions, and risk profile. The speaker discusses their income and savings, retirement plans, and property value. They also mention their investment property and other property, including their home and a motor vehicle. The speaker explains their risk profile and willingness to take risks, and their recent partnership with BlackRock. They also discuss their investment portfolio and provide guidance on canceling their insurance policy if they are not happy with their current coverage. The speaker explains their insurance coverage and emphasizes the security of their account."},"intents":{"segments":[{"text":"I had you booked in to complete your under review. Is now still a good time for you?","start_word":24,"end_word":41,"intents":[{"intent":"Schedule review","confidence_score":0.0072764833}]},{"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_word":85,"end_word":110,"intents":[{"intent":"Confirm identity","confidence_score":0.7213536}]},{"text":"Now are do you have access to your emails at the moment, or are you just kind of driving and and on the way to work or something?","start_word":157,"end_word":184,"intents":[{"intent":"Inquire about access to documents","confidence_score":0.0024068274}]},{"text":"The the system is a little bit slow this morning, so let me know when that one comes through. But while I do wait for that to come through, before I kind of jump into the fact finding stuff, I do like to usually 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 extra on. Not ready.","start_word":261,"end_word":336,"intents":[{"intent":"Review system","confidence_score":0.007530148}]},{"text":"Just a bit of an updated fact find just to see if there's anything that's changed in your life Yep. which might require us to make any changes to your advice at all.","start_word":360,"end_word":392,"intents":[{"intent":"Discuss business plan","confidence_score":0.000006635853}]},{"text":"Now when it comes to your your personal information, I do have you here down as single with no financial dependents. Is that correct?","start_word":392,"end_word":415,"intents":[{"intent":"Check personal information","confidence_score":0.010643894},{"intent":"Assist with financial decisions","confidence_score":0.00054757774}]},{"text":"That's very exciting.","start_word":434,"end_word":436,"intents":[{"intent":"Congratulate on selection","confidence_score":0.00018952765}]},{"text":"Now would you like him nominated as your next of kin as well? Would you wanna nominate someone else? Yeah.","start_word":506,"end_word":525,"intents":[{"intent":"Nominate others","confidence_score":0.0016752775}]},{"text":"Now when it comes to your occupation as well, has any of that changed? Are you still a a reliability No. engineer?","start_word":543,"end_word":564,"intents":[{"intent":"Confirm occupation change","confidence_score":0.20015587}]},{"text":"Now I have your income here as a 130,000 of last time we spoke. Is that still the case, or has that been changed at all? Yes. It changed.","start_word":607,"end_word":635,"intents":[{"intent":"Clarify income","confidence_score":0.0070984014}]},{"text":"Now do you get paid any, like, bonuses or overtime or or extra allowances and stuff, or is that kind Bonus of your base pay? is bonus is 10%.","start_word":659,"end_word":687,"intents":[{"intent":"Confirm payment method","confidence_score":0.009325718},{"intent":"Confirm payment method","confidence_score":0.108307086}]},{"text":"Now I do have here your your savings around $1,200 a week. Is that still roughly My the case?","start_word":697,"end_word":715,"intents":[{"intent":"Provide savings and savings information","confidence_score":0.000035501806}]},{"text":"Now with your employer as well with the the income, do you know if they pay you the the standard 12% employer contributions going into superannuation? Yes. Standard 12%.","start_word":775,"end_word":803,"intents":[{"intent":"Confirm employer benefits","confidence_score":0.0070802136}]},{"text":"Now are you making any salary sacrifice contributions as well? Did I?","start_word":924,"end_word":935,"intents":[{"intent":"Inquire about salary sacrifice contributions","confidence_score":0.14493869}]},{"text":"I don't I think so. But that was post tax. We use the seller I use the seller to buy buy share, buy retino share. But that's that's post tax. So you do not salary sacrifice. You do it like extra contributions after tax? Yeah.","start_word":936,"end_word":980,"intents":[{"intent":"Confirm understanding about post-tax deductions","confidence_score":0.00028981373}]},{"text":"Now I can see a contribution going into your account on the March 3 for 2,392. I think that's just from the from the employer. And Yep.","start_word":1030,"end_word":1056,"intents":[{"intent":"Provide contribution information","confidence_score":0.0015549214}]},{"text":"Now I can see a contribution going into your account on the March 3 for 2,392. I think that's just from the from the employer. And Yep. then another one on the first of the thirtieth. Let me see here. And then on the staff. So I can't see any additional contribution from your My alright.","start_word":1030,"end_word":1085,"intents":[{"intent":"Inquire about additional contributions","confidence_score":0.020444397}]},{"text":"And will that roughly be, like, same amount, or do you know how much extra you would put in?","start_word":1116,"end_word":1134,"intents":[{"intent":"Ask for clarification on cap scope","confidence_score":6.168802e-7}]},{"text":"I'm sorry. So that would be obviously the standard from your employer. Yeah.","start_word":1178,"end_word":1190,"intents":[{"intent":"Confirm employer's policy","confidence_score":0.085471354},{"intent":"Confirm employer's policy","confidence_score":0.068650916},{"intent":"Confirm employer's policy","confidence_score":0.16008879}]},{"text":"That's that's all sold. They all move into the cache. Awesome.","start_word":1669,"end_word":1679,"intents":[{"intent":"Check debts","confidence_score":0.0049060616}]},{"text":"Do you know roughly how much you have in the offset account, like, roughly?","start_word":1712,"end_word":1725,"intents":[{"intent":"Check balance","confidence_score":0.11769493},{"intent":"Update balance","confidence_score":0.28206655}]},{"text":"Let me check.","start_word":1762,"end_word":1764,"intents":[{"intent":"Check personal assets","confidence_score":0.0039814366}]},{"text":"I'll update that. Thank you.","start_word":1840,"end_word":1844,"intents":[{"intent":"Update personal information","confidence_score":0.05989732}]},{"text":"Now health and lifestyle wise, I have you down here as a nonsmoker and no medications. Is that correct? No. Nothing.","start_word":1885,"end_word":1905,"intents":[{"intent":"Check health insurance","confidence_score":0.076944634}]},{"text":"Now now when it comes to estate planning, do you have a will in place? I don't have a will in place, but we we actually planning to do one this year. Okay.","start_word":1952,"end_word":1984,"intents":[{"intent":"Make estate planning","confidence_score":0.00046086375}]},{"text":"Would you like us to send you some details on pricing of a firm that we work closely with? Yeah.","start_word":1987,"end_word":2006,"intents":[{"intent":"Send details","confidence_score":0.25292623}]},{"text":"I'll get the team to email that. That way, when when you guys are ready to have a look at it, you can always, you know, give them a call or check their pricing and obviously compare that as well. Yeah.","start_word":2010,"end_word":2050,"intents":[{"intent":"Send email","confidence_score":0.030674249}]},{"text":"Now the other thing is your beneficiary. So at the moment on your superannuation, we don't have anyone nominated. So that is Yeah. if something were to happen to you who you want to receive those the benefits. Do you know who you would like to nominate?","start_word":2051,"end_word":2097,"intents":[{"intent":"Nominate beneficiary","confidence_score":0.08742571}]},{"text":"if something were to happen to you who you want to receive those the benefits. Do you know who you would like to nominate?","start_word":2074,"end_word":2097,"intents":[{"intent":"Know recipient","confidence_score":0.0003447419}]},{"text":"What I'll do, though, is I'll get the team through would you do you have access to a printer? Crane tech?","start_word":2110,"end_word":2130,"intents":[{"intent":"Confirm access to printer","confidence_score":0.0015519004}]},{"text":"Do you are you happy for us to post it to that 228 Beechwood Road, Baywater, WA? Yeah.","start_word":2232,"end_word":2249,"intents":[{"intent":"Provide address","confidence_score":0.010494494}]},{"text":"The the next thing is just to quickly run through a bit of an updated risk profile questionnaire, and that is basically just to see if we need to make any changes to your investment portfolio within your superannuation there. So there's no right or wrong answer or multiple choice to make to make it nice and easy. If Yep.","start_word":2274,"end_word":2333,"intents":[{"intent":"Run risk questionnaire","confidence_score":0.14730322},{"intent":"Make portfolio changes","confidence_score":0.06876685}]},{"text":"Now last one here is would you ever consider taking out a loan to invest in stocks or funds? No. No. Perfect.","start_word":2815,"end_word":2836,"intents":[{"intent":"Evaluate investments","confidence_score":0.032432746}]},{"text":"Let me check. Let Yep. me check. Let me check. It could also go into the spam folder because we have recently changed the software. So it will look a little bit different Which to which email address you you send it through?","start_word":3151,"end_word":3193,"intents":[{"intent":"Provide email address","confidence_score":0.0011372676}]},{"text":"So we've done a bit of a revamp to our marketing, so you you will have a look when you do look at them that we've kind of had a bit of an extension to the team Mhmm. as well, which which is nice.","start_word":3333,"end_word":3376,"intents":[{"intent":"Update marketing","confidence_score":0.010636753}]},{"text":"And all the information about the team, our director of advisers, I'm on there on page six, I believe, as well.","start_word":3377,"end_word":3397,"intents":[{"intent":"Provide information","confidence_score":0.05469376}]},{"text":"Now do you also see a super and insurance summary Yes.","start_word":3454,"end_word":3464,"intents":[{"intent":"Update super insurance information","confidence_score":0.0058711567}]},{"text":"that one just gives you just a good visual representation of what's happened in the market. It breaks down the different asset classes and how they kind of tend to behave and have done historically going back to 1995 there for you. Now you will also seek through certificate of currency if you tell insurances. Basically, just breaks it down in a bit more detail for you, but lets you know that's all paid and up to date. Yeah.","start_word":3787,"end_word":3865,"intents":[{"intent":"Analyze market performance","confidence_score":0.48941004}]},{"text":"So if you are happy for me to do so, I would like to do a bit more investigation into their investments for you and see if I can find another option to swap that one out for that is going to do a little bit better and do a bit more for you moving forward. Yep. Yeah.","start_word":4139,"end_word":4196,"intents":[{"intent":"Investigate investments","confidence_score":0.39037472}]},{"text":"If we foresee that one investment isn't going to do well, we can very quickly do that in the back end. You will still get notified of the change, but you don't have to go through the s the SOA process or and approve and agree through the change in order for us to make the change. So it Yeah.","start_word":4515,"end_word":4574,"intents":[{"intent":"Describe investment process","confidence_score":0.0000013947129}]},{"text":"So if you're happy to do so, if you wanna click and sign those documents, that will then come through to me. I'll get that processed in the back end.","start_word":5131,"end_word":5160,"intents":[{"intent":"Process documents","confidence_score":0.048822597}]}]},"sentiments":{"segments":[{"text":"Hi. May I speak? Good morning, Hello? Emmy. It's Veronica Morning. from OQ Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.15113356709480286},{"text":"Very well. So Yeah. I'm good. Thanks. I had you booked in to complete your under review.","start_word":17,"end_word":33,"sentiment":"positive","sentiment_score":0.4934228360652923},{"text":"Is now still a good time for you? Yep.","start_word":34,"end_word":42,"sentiment":"neutral","sentiment_score":0.29999977350234985},{"text":"Do a good time.","start_word":43,"end_word":46,"sentiment":"positive","sentiment_score":0.36259207129478455},{"text":"Yes.","start_word":47,"end_word":47,"sentiment":"neutral","sentiment_score":0.29659175872802734},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.4699140787124634},{"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 with you. Yeah. 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? Yes. True name first name, x I n r n, z h a o. Yep. Sorry. Last name is z h a o. Address, 228 Beachboro Road, North Yep. And the state of birth as well, please. 10. Yep. Perfect.","start_word":49,"end_word":150,"sentiment":"neutral","sentiment_score":0.058732666075229645},{"text":"That's exactly what I have here.","start_word":151,"end_word":156,"sentiment":"positive","sentiment_score":0.38056275248527527},{"text":"Now are do you have access to your emails at the moment, or are you just kind of driving and and on the way to work or something? I'm at work. Yeah. Okay. Do you have the option of getting into your emails this morning Yeah. or or not not really? Go ahead. Yeah? Yep. Okay. Perfect. So what I'm going to do is I'm going to shortly send you some documents to run through during the annual review, and it does make it a bit easier for you if you can see those at the same time. So that will be processed shortly. The the system is a little bit slow this morning, so let me know when that one comes through. But while I do wait for that to come through, before I kind of jump into the fact finding stuff, I do like to usually 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 extra on. Not ready. No. Just just usual review just to see Yep. what's happened. Yep. Yep. Perfect. Now bear with me as I go through. Just a bit of an updated fact find just to see if there's anything that's changed in your life Yep. which might require us to make any changes to your advice at all. Now when it comes to your your personal information, I do have you here down as single with no financial dependents. Is that correct? Married as of last year, July 16. Oh, I'm sorry. perfect.","start_word":157,"end_word":426,"sentiment":"neutral","sentiment_score":0.028244048895107374},{"text":"June Well June June 16. oh, congratulations. That's very exciting.","start_word":427,"end_word":436,"sentiment":"positive","sentiment_score":0.515935480594635},{"text":"That's alright. And what's your your partner's name? Michael Mai. I think he's with Oakview too. Perfect. Michael. And what was the last name? Sorry. M a I. M I a. Perfect. Let me just triple check. And the phone number that we would have for him that hasn't changed? No. No. 00405822007. 00. Yeah. Perfect. Sorry. No. No. No. 040500, Yep. 7822. Okay.","start_word":437,"end_word":500,"sentiment":"neutral","sentiment_score":0.02739790268242359},{"text":"Perfect. Thank you so much.","start_word":501,"end_word":505,"sentiment":"positive","sentiment_score":0.5495766997337341},{"text":"Now would you like him nominated as your next of kin as well? Would you wanna nominate someone else? Yeah. Yeah. He will be the next. Okay. Yeah. Yep.","start_word":506,"end_word":534,"sentiment":"neutral","sentiment_score":0.11631777882575987},{"text":"Great.","start_word":535,"end_word":535,"sentiment":"positive","sentiment_score":0.3441554307937622},{"text":"Perfect. Still no financial dependence? No. Perfect. Now when it comes to your occupation as well, has any of that changed? Are you still a a reliability No. engineer? Superintendent planning. Alright. Perfect. And what's their occupation title? Sorry. I just missed Routine that. tour. That will be I don't know. That will be just general asset management, I would say. Okay. Perfect. But still for, yeah, Rio Tinto. Correct. Yep. Now I have your income here as a 130,000 of last time we spoke. Is that still the case, or has that been changed at all? Yes. It changed. It's 20250 now. Oh, perfect. 250 to 250? Yes. 250. Yep. Correct. Yep.","start_word":536,"end_word":648,"sentiment":"neutral","sentiment_score":-0.002707528183236718},{"text":"Perfect. That's a nice little increase.","start_word":649,"end_word":654,"sentiment":"positive","sentiment_score":0.5225086212158203},{"text":"That's correct. Yeah. Now do you get paid any, like, bonuses or overtime or or extra allowances and stuff, or is that kind Bonus of your base pay? is bonus is 10%. Yep. That's that's that's all I get. Yep.","start_word":655,"end_word":694,"sentiment":"neutral","sentiment_score":0.12260755766183136},{"text":"Perfect. Great.","start_word":695,"end_word":696,"sentiment":"positive","sentiment_score":0.6446757912635803},{"text":"Now I do have here your your savings around $1,200 a week. Is that still roughly My the case? saving, I will lose I think I'm around 5,000 a month, but I need to double check. No. That's okay. Yeah. It'll be on average, that'll be around 5 to 6,000 a month. Okay.","start_word":697,"end_word":749,"sentiment":"neutral","sentiment_score":0.04104582965373993},{"text":"Perfect.","start_word":750,"end_word":750,"sentiment":"positive","sentiment_score":0.33809298276901245},{"text":"And savings, do you know roughly? Savings. Yes. I have 500 it should be a bit above $5,500. 500. 5. Okay. Perfect. Yeah.","start_word":751,"end_word":773,"sentiment":"neutral","sentiment_score":0.12441183626651764},{"text":"Great.","start_word":774,"end_word":774,"sentiment":"positive","sentiment_score":0.3892385363578797},{"text":"Now with your employer as well with the the income, do you know if they pay you the the standard 12% employer contributions going into superannuation? Yes. Standard 12%. They are on a different base, so that's based on a 197,000. Hundred and okay.","start_word":775,"end_word":818,"sentiment":"neutral","sentiment_score":0.07533998042345047},{"text":"Perfect.","start_word":819,"end_word":819,"sentiment":"positive","sentiment_score":0.4491450488567352},{"text":"Because I was going to say as well that if it was the $2.50, it does get to you very close to the the contribution cap. So I did wanted to to check that. So if it is 12% at a 190 Yeah. 7,000 Yes. perfect. Do you know if you get contributions on your bonus as well? I think so. Yes. Typically, most employers do cover it. And do you I know think if so. that would yeah. And do you know if that would be 10% of a 197 or 10% of the two fifty? Ten percent of the 197. Okay. Perfect. Now are you making any salary sacrifice contributions as well? Did I? I don't I think so. But that was post tax. We use the seller I use the seller to buy buy share, buy retino share. But that's that's post tax. So you do not salary sacrifice. You do it like extra contributions after tax? Yeah. I'm pretty sure it's after tax. Let me just go in your account and have a look here because I know you now with the new income are getting really close to that cap space. So let me have a look if I can see it in your account. Now I can see a contribution going into your account on the March 3 for 2,392. I think that's just from the from the employer. And Yep. then another one on the first of the thirtieth. Let me see here. And then on the staff. So I can't see any additional contribution from your My alright. last year's bonus will be March 2025, and the new one hasn't come in yet for 2026. Okay.","start_word":820,"end_word":1103,"sentiment":"neutral","sentiment_score":0.0587532801789717},{"text":"Perfect.","start_word":1104,"end_word":1104,"sentiment":"positive","sentiment_score":0.3543163537979126},{"text":"Yeah. It will be keep coming March 19 or somewhere. Okay. And will that roughly be, like, same amount, or do you know how much extra you would put in? I think it'll be the same. So we just send it send it send it super. So 12% of 12% of a 197 k plus my bonus is 22. So that'll be another, I don't know, 12% of the 22 k. Okay. Perfect. I'm sorry. So that would be obviously the standard from your employer. Yeah. So do you say that you do extra yourself? Oh, so so super? Yes. Super. Yes. For for super. No. I don't think so. No. Okay. Perfect. Not that No. I Because remember. I was going Sorry. no. That's okay. Because I was going through all the transaction. I'm like, I can't see I can't see that. So, yeah, that's great. Yeah. Perfect. Sorry. Just from that employer, yeah, which which is good. Now do you know if if you do get close through the cap space of the 30,000, do you know if your employer will continue to pay you the contributions on your income, or do you know if they stop at 30,000? I think they continue to pay. They I continue? Yeah. Yeah. Because sometimes, legally, they only don't have to to cover up to the 30,000. They can cut it off. know. Some Yeah. employers still honor it, and they're paying more. Yeah. So they still honor it and keep it based on your your income. And, obviously, you're working for a very big company. That can be the case. But sometimes Yeah. they do cut it as 30,000. Yeah. Okay. So I I do think we continue to because I never heard that from any of the, I guess, the higher managers too. Yeah. Okay. Perfect. Oh, that's that's Yes.","start_word":1105,"end_word":1415,"sentiment":"neutral","sentiment_score":0.026905481934164116},{"text":"very good. That's a good arrangement.","start_word":1416,"end_word":1421,"sentiment":"positive","sentiment_score":0.5327497124671936},{"text":"Now, otherwise, with your assets and your liabilities, I have here your property was last died at about 680,000. It's $606,180. 560. 560. Great. Perfect. Now do you have a mortgage attached to that one at all? Oh, sorry. Wait. Sorry. What are you talking about in now? The the one in Brisbane, Oh, the the wine 15 in Bracelet. yeah. Oh, 15 is sold. 15 is Yes. sold. Oh, Yeah. okay. Perfect. So that one is sold. Yeah. Sorry. Is the one that you you guys live in the 3 Gamble Street, or is that an investment property? That's also investment property. Okay. Perfect. Let me change that investment property. Now do you know how much that one is valued at roughly? That's a one point that's a 1.8 mil. Oh, perfect. And I had here last mortgage was around $6.40. Yeah. That that is 560. $5.60. Okay. Perfect. Yep. Now the property that that you live in, is that a rental, or do you have another property? The property so for 228, that's my husband's house. Alright. Okay. Perfect. Yeah. Yep. But this investment property on Gamble Street, that's yours? Yes. Correct. Yep. Okay. Great. Now I also have a a motor vehicle right at about 25,000. Yeah. It'll be roughly still the case. Yes. Yep. Perfect. And you don't have anything owing on that one, do you?","start_word":1422,"end_word":1651,"sentiment":"neutral","sentiment_score":0.026796068996191025},{"text":"That's great.","start_word":1652,"end_word":1653,"sentiment":"positive","sentiment_score":0.413485050201416},{"text":"I do also have here some shares on a Comtech account for about 102,000. No. That's that's all sold. They all move into the cache.","start_word":1654,"end_word":1678,"sentiment":"neutral","sentiment_score":0.019944892525672914},{"text":"Awesome.","start_word":1679,"end_word":1679,"sentiment":"positive","sentiment_score":0.5461766123771667},{"text":"Alright.","start_word":1680,"end_word":1680,"sentiment":"neutral","sentiment_score":0.27479270100593567},{"text":"Perfect.","start_word":1681,"end_word":1681,"sentiment":"positive","sentiment_score":0.3986895680427551},{"text":"Yeah. So is that a, like, an offset account or anything or just like a savings Offset. account? Yeah. Offset. So all of my cash is in offset. Yep. Perfect. Do you know roughly how much you have in the offset account, like, roughly? Yes. 500 k cash. Perfect.","start_word":1682,"end_word":1730,"sentiment":"neutral","sentiment_score":0.06884212791919708},{"text":"Thank you.","start_word":1731,"end_word":1732,"sentiment":"positive","sentiment_score":0.36810657382011414},{"text":"Now do you also have the South 32 shares for 5,000? No. Also. No. Sold. Great. Perfect. Any other assets that we haven't gone over or any other changes? Let me check. I think I have real tinto shares, Yep. Perfect. but it wouldn't be a significant amount. But let me check. Yeah. Perfect. Oh, they have Vanguard. Vanguard probably have another $12.12 k. That was just later. Yeah. About 12,000, did you say? Yes. Yes. Correct. Let me check the share. Yep. It's been a while since I was here. That's okay. Alright. I have this is I have $710,000 in real Tinto share.","start_word":1733,"end_word":1837,"sentiment":"neutral","sentiment_score":0.04308068007230759},{"text":"Great. Perfect. I'll update that.","start_word":1838,"end_word":1842,"sentiment":"positive","sentiment_score":0.4002485275268554},{"text":"Thank you. Any other liabilities otherwise, like, any other personal No. loans or credit card? No. No. Perfect. No. And you've never been declared bankrupt or been under a part nine debt agreement? Yeah. No. No bankrupt. No. No. No. Great. Perfect. Now health and lifestyle wise, I have you down here as a nonsmoker and no medications. Is that correct? No. Nothing. Yeah. Perfect. Do you have private health insurance? Yes. Yep. Perfect. And that's hospitals as well? Yes. Hospital extra Yeah. gold. Yeah.","start_word":1843,"end_word":1927,"sentiment":"neutral","sentiment_score":0.038390133529901505},{"text":"Great. Perfect.","start_word":1928,"end_word":1929,"sentiment":"positive","sentiment_score":0.3637174963951111},{"text":"Especially with your income as well. You don't wanna have to pay those additional Yep. tax or anything like that. That's it. Now now when it comes to estate planning, do you have a will in place? I don't have a will in place, but we we actually planning to do one this year. Okay. Perfect. Would you like us to send you some details on pricing of a firm that we work closely with? Yeah. Why not?","start_word":1930,"end_word":2007,"sentiment":"neutral","sentiment_score":0.05428139745998077},{"text":"Yep. Perfect. I'll get the team to email that. That way, when when you guys are ready to have a look at it, you can always, you know, give them a call or check their pricing and obviously compare that as well.","start_word":2008,"end_word":2049,"sentiment":"positive","sentiment_score":0.4508860409259796},{"text":"Yeah. Now the other thing is your beneficiary. So at the moment on your superannuation, we don't have anyone nominated. So that is Yeah. if something were to happen to you who you want to receive those the benefits. Do you know who you would like to nominate? I don't know, to be honest, at this moment. No? That's okay. What I'll do, though, is I'll get the team through would you do you have access to a printer? Crane tech? Not right now. No? Otherwise, I'll get the team to post out the forms for you so you have them. Take Yep. your time to obviously decide who you would like to nominate. Yep. If you have any questions, because there are only certain people you can nominate directly through superannuation, always give me a call or send me an email. Yeah. It is important that you do nominate someone at some point. So if something were to happen, it goes to who you would like. Yeah. So I'll get them to post it out to you. Now what's the address? Do you are you happy for us to post it to that 228 Beechwood Road, Baywater, WA? Yeah. Yeah. That's Yep. fine.","start_word":2050,"end_word":2253,"sentiment":"neutral","sentiment_score":0.06533879786729813},{"text":"Perfect. Now that was basically all of our information I had to go through, so thank you for that.","start_word":2254,"end_word":2272,"sentiment":"positive","sentiment_score":0.4962616562843323},{"text":"Yep. The the next thing is just to quickly run through a bit of an updated risk profile questionnaire, and that is basically just to see if we need to make any changes to your investment portfolio within your superannuation there. So there's no right or wrong answer or multiple choice to make to make it nice and easy. If Yep. it doesn't make sense, Yep. just just let me know. Alright. Perfect. So at the moment, Mhmm. which can obviously be hard hard to know because it's it's quite far away, but do you know when you are planning on retiring or start accessing your superannuation Yes. Where am I? at all? I'm 32. So I'm still targeting 45. Okay. So 45 is when you want to retire. Now with the current legislation, the earliest you can access superannuation is at the age of 60 if you stop Yep. working. Yes. Yep. I So understand. if you're perfect. If you plan to kind of build, obviously, wealth outside superannuation to draw that income for you so that you can ideally retire at 45? Correct. Yeah. Correct.","start_word":2273,"end_word":2459,"sentiment":"neutral","sentiment_score":0.04343198307535865},{"text":"Perfect. That's a nice plan.","start_word":2460,"end_word":2464,"sentiment":"positive","sentiment_score":0.6221606135368347},{"text":"I hope But it otherwise works. otherwise, when you turn 60, you would kind of plan to take your superannuation or at least draw an income or something for it. Yep. Yeah. Now the next question is when it comes to inflation. So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is is costing a bit more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation. Would you say that you are willing to accept very high risk, high moderate, or a small amount of risk? Hi. Hi, Patrick. Now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 26% due to general trends in the financial markets. Now would you want to take advantage of that drop in prices by thinking that now is potentially a good time to invest a little bit more if you had the option to do so? Would you hold? Kinda wait and see what happens, or would you want to shift to a more secure asset so that means you are then obviously selling when the prices have dropped? You might submit more. Yeah. Invest a bit more. Perfect. Now the next one here is in regards to, again, fluctuations. Sorry. Have you ever noticed your superannuation fluctuate? Now, obviously, recently, there's been a lot going on in the world. That's obviously seen a a bit of fluctuation to the market and everything, which I'm sure you've seen obviously with your personal investments as well. Yes. If you did see it, how did that make you feel? Would you say optimistic about potential opportunities, a bit more cautious, not making further investment, concerned, or highly anxious? I don't care. Okay. So kind of just Yeah. in in It in the it doesn't middle? impact me. I I I don't I don't watch it that much, to be honest. Yes. Yes. Perfect. Now last one here is would you ever consider taking out a loan to invest in stocks or funds? No. No. Perfect. Just kind of for investment property purposes. Yeah. Yeah.","start_word":2465,"end_word":2845,"sentiment":"neutral","sentiment_score":-0.07093829757428857},{"text":"Great.","start_word":2846,"end_word":2846,"sentiment":"positive","sentiment_score":0.4031660556793213},{"text":"Now, Emmy, that tells me that you have come out as a high growth investor. And at the moment, we do have you invested in a high growth portfolio. Do you Yeah. kind of remember what it means to be a high growth investor at all? What do you mean? It's not as high as very high, and then it's higher than the moderate. That's Kind of. So, you know, it is it is someone who's looking at getting as much growth as you possibly can out of your superannuation, yep. you know, while you do have plenty of time. You know? Yep. But you are also prepared to experience, you know, some higher levels of fluctuations in the short term in order Yep. to achieve that growth in the long term. And, typically, when we are looking at an asset allocation point of view, we see about 90% invested in your growth assets. So that will be, Yep. obviously, Australian shares, international shares, property, and commodities. And that is ultimately what is going to maximize those returns for you and about 10% in your defensive assets, like your cash, your fixed interest, and then gold can kind of fit into both. Does Yep. that make sense? Are you still quite comfortable with with a high growth Yes. portfolio? Yep. Comparable.","start_word":2847,"end_word":3067,"sentiment":"neutral","sentiment_score":0.10538647323846816},{"text":"Great. Perfect.","start_word":3068,"end_word":3069,"sentiment":"positive","sentiment_score":0.4775269627571106},{"text":"And when we are looking at a time frame, so making sure you have enough time in the market for those fluctuations, as a high growth investor, typically, we see minimum eight years until retirement, which you certainly have.","start_word":3070,"end_word":3108,"sentiment":"neutral","sentiment_score":0.2566084563732147},{"text":"So from a time point of view, you are definitely in a good position as long as, yeah, obviously, you are comfortable with that.","start_word":3109,"end_word":3132,"sentiment":"positive","sentiment_score":0.6181495785713196},{"text":"So we Yep. will leave that. Now did that email come through at all with the attachments? Email. Let me check. Let Yep. me check. Let me check. It could also go into the spam folder because we have recently changed the software. So it will look a little bit different Which to which email address you you send it through? let me triple check here for you. We send it through good luck That x is r that? Oh, yeah. yeah. There you go. Yeah. Signature request. Yes. Now before you click on to the signature request, it will look a little bit different. So before you click in, you will actually see the a couple of attachments. Now these have just been provided through you. They don't need to be signed. But if you wanna Okay. have a look at those first, now you will see can you see one that says, like, the OQ Financial Services Guide? Yes. Yeah. Now I won't get you to go into those two. They are quite similar to the other ones you have been provided. It's just our financial services guide. We have Uh-huh. just made a bit of an update. So we've done a bit of a revamp to our marketing, so you you will have a look when you do look at them that we've kind of had a bit of an extension to the team Mhmm.","start_word":3133,"end_word":3370,"sentiment":"neutral","sentiment_score":0.04703135788440704},{"text":"as well, which which is nice.","start_word":3371,"end_word":3376,"sentiment":"positive","sentiment_score":0.41878560185432434},{"text":"And all the information about the team, our director of advisers, I'm on there on page six, I believe, as well. If Yep. you do wanna put a face to the voice, but that's basically it. You know, everything that you do need to know about us is in that one for you. Alright.","start_word":3377,"end_word":3430,"sentiment":"neutral","sentiment_score":0.19437655806541443},{"text":"It kind of complements the services guide, which you will see as well.","start_word":3431,"end_word":3443,"sentiment":"positive","sentiment_score":0.34378790855407715},{"text":"It's just kind of a shorter version of that. Yep. Now do you also see a super and insurance summary Yes. attached To run to the it? insurance. Yeah. I'm right. Yep. Yeah.","start_word":3444,"end_word":3476,"sentiment":"neutral","sentiment_score":0.024531105533242226},{"text":"Perfect.","start_word":3477,"end_word":3477,"sentiment":"positive","sentiment_score":0.4854232966899872},{"text":"Now if you do wanna click on that one for me if you can, it will then Yep. show you your current super insurance. So you have your superannuation in hub twenty four. You'll see your current super balance as of this the March 2 when we prepare those documents, so about 198,936. And Yep. then underneath that, you have your insurances. So you have an income protection policy with Pell. Now the benefit period for that one is to age 65 with Yep. a full week waiting period, and the monthly amount is 9,796. Yep.","start_word":3478,"end_word":3573,"sentiment":"neutral","sentiment_score":0.09945771843194962},{"text":"You do have a small portion paid outside superannuation to get a couple of those additional benefits, which is great.","start_word":3574,"end_word":3593,"sentiment":"positive","sentiment_score":0.4790876805782318},{"text":"Yes. The out of pocket benefit is about a $177 a year, which is Yep.","start_word":3594,"end_word":3608,"sentiment":"neutral","sentiment_score":0.31164926290512085},{"text":"which is pretty good.","start_word":3609,"end_word":3612,"sentiment":"positive","sentiment_score":0.5257143378257751},{"text":"Now, obviously, with your income increasing a bit, you can potentially be covered for more if you would like. I think I'm It's comfortable where where it is at a moment.","start_word":3613,"end_word":3643,"sentiment":"neutral","sentiment_score":0.16478703916072843},{"text":"great. Perfect.","start_word":3644,"end_word":3645,"sentiment":"positive","sentiment_score":0.4797822833061218},{"text":"Because I was going to say as well that if it is something that you want to increase, it would mean we have to go through, like, the underwriting process and everything like that, and Yeah. that would Yep. obviously increase the premium. And if you feel like that 9,729 would kind of cover bills and expenses and you're happy with that, then we can definitely leave that for the time being anyway. Yep. Yep.","start_word":3646,"end_word":3720,"sentiment":"neutral","sentiment_score":0.16562619805336},{"text":"Comfortable.","start_word":3721,"end_word":3721,"sentiment":"positive","sentiment_score":0.34270304441452026},{"text":"Yep.","start_word":3722,"end_word":3722,"sentiment":"neutral","sentiment_score":0.2502628564834595},{"text":"Perfect. Great.","start_word":3723,"end_word":3724,"sentiment":"positive","sentiment_score":0.512837827205658},{"text":"Now you don't have any life or total permanent disability in trauma insurance. You're still quite comfortable to to only have that income protection? Consular. Yep.","start_word":3725,"end_word":3750,"sentiment":"neutral","sentiment_score":0.10283222794532776},{"text":"Great. Perfect.","start_word":3751,"end_word":3752,"sentiment":"positive","sentiment_score":0.3950137495994568},{"text":"Now the other attachments you will see, you will see a Vanguard index chart. You may have seen this one before if you are quite familiar with, obviously, in investing. But, basically, Yep.","start_word":3753,"end_word":3785,"sentiment":"neutral","sentiment_score":0.0939805433154106},{"text":"that one just gives you just a good visual representation of what's happened in the market.","start_word":3786,"end_word":3801,"sentiment":"positive","sentiment_score":0.5595090985298157},{"text":"It breaks down the different asset classes and how they kind of tend to behave and have done historically going back to 1995 there for you. Now you will also seek through certificate of currency if you tell insurances. Basically, just breaks it down in a bit more detail for you, but lets you know that's all paid and up to date. Yeah. Now you will also have a let me see here. A twelve month return for your investments in hub twenty four. Can you see that one okay? Yeah. Yep.","start_word":3802,"end_word":3893,"sentiment":"neutral","sentiment_score":0.1790110319852829},{"text":"Perfect.","start_word":3894,"end_word":3894,"sentiment":"positive","sentiment_score":0.6289306879043579},{"text":"Now that one just breaks down the investments and kind of what's happened in the last twelve months, all net of fees. So you can see all your investments, how they have performed. Now if we look at the last twelve months, obviously, factoring in that a lot has happened in the market. The last the last twelve months after fees, the portfolio has still gone up, which is good, but it's Yeah. about 4.28%. Now one of the investments in your portfolio, which is your Benelon Australian equity, now that is a a managed fund that's obviously added to your portfolio at the time when you came on board because it was doing really well. And the Yep. purpose of it was to give you that active management. So they're obviously focusing on actively buying and selling investment in order to kinda outperform the market. Yeah. Now more recently, they kind of have underperformed a little bit through what we expected them or what we would have liked.","start_word":3895,"end_word":4063,"sentiment":"neutral","sentiment_score":0.2011060416698456},{"text":"And one of the reasons for their kind of underperformance at the moment is one of their investments that they had in their portfolio was corporate travel group. You may have heard or or seen anything about that, but they had a bit of issues with their reporting, which meant that they were suspended from trading for a while.","start_word":4064,"end_word":4122,"sentiment":"negative","sentiment_score":-0.36209556460380554},{"text":"So Yes.","start_word":4123,"end_word":4124,"sentiment":"neutral","sentiment_score":-0.2637808918952942},{"text":"that obviously caused, Okay. yeah, that caused the the price to to drop.","start_word":4125,"end_word":4137,"sentiment":"negative","sentiment_score":-0.49264538288116455},{"text":"So if you are happy for me to do so, I would like to do a bit more investigation into their investments for you and see if I can find another option to swap that one out for that is going to do a little bit better and do a bit more for you moving forward. Yep. Yeah. Now with your investments as well, have you recently read our newsletter at all? Is that something you you keep an eye on or not really? Not really, to be honest. No. No. That's I okay. I don't put too much sweat effort in No. That's totally fine. The reason I ask is because we have recently merged or partnered up with BlackRock, which you may have heard of. Sorry. What was that? We have recently partnered up with BlackRock, which Yes. you I'm just you may reading have heard this of. right now.","start_word":4138,"end_word":4289,"sentiment":"neutral","sentiment_score":0.0969088226556778},{"text":"Perfect.","start_word":4290,"end_word":4290,"sentiment":"positive","sentiment_score":0.5306128859519958},{"text":"So we have just launched an SMA. Are you quite across what an SMA is? Do you know much No. about it? No. No. So an SMA, it is a self managed account. Now it works a little bit different to how your portfolio is currently constructed in Hub twenty four. The biggest kind of change is that in Hub twenty four at the moment, you will see all your individual investments. And if we would like to go and and make a change to any of the investments, like, for example, with the Bennelong investment, we would obviously go and do all the research. I would present everything in a new statement of advice for you, run through the changes, and then you would have to sign the document Yeah. and agree to the changes before we can make any changes. So from a paperwork compliance point of view, it is quite lengthy in that process to obviously put everything together. Yeah. The diff with the SMA is that you would be not invested in each and every single investment. You would be invested in the the SMA product itself. So you would still have Okay. a range of underlying investment, but the difference is that because you're invested in the the SMA product, we can then easily chop and change investment. If we foresee that one investment isn't going to do well, we can very quickly do that in the back end. You will still get notified of the change, but you don't have to go through the s the SOA process or and approve and agree through the change in order for us to make the change. So it Yeah. eliminates the the kind of the compliance and the research side of it, which is you just invested in the SMA. But it allows us to kind of do a bit more of that active approach underlying to your investment. And, obviously, partnering up with BlackRock, we obviously jointly do all their investment knowledge and resources and tools and stuff like that. We have access through with the SMA investment, but it Yep. will mean that you would have a little bit less oversight of when we are making changes to your investment. Yeah. Is that something you are comfortable with if I do the research and it's going to put you in a better position than what you currently have, or do you prefer the the model you have now where we present the change and you decide if you're happy with the change before we make a change? Yeah. I'm happy with the current oil. Happy with the current model? Okay. Yep.","start_word":4291,"end_word":4737,"sentiment":"neutral","sentiment_score":0.0629753403832315},{"text":"Perfect. That's good.","start_word":4738,"end_word":4740,"sentiment":"positive","sentiment_score":0.46352219581604},{"text":"I'll still review your current investment, though, and see if if we can make changes, especially that Benelung because it has underperformed a little bit. Obviously, there's been a lot of changes to reinvestments since and, been a bit of cyclical with the market, but that been along, we kind of don't foresee it changing too much, so we wanna, look to change that. So I'll go and do some research on that investment for you, keep you in a Yeah. high growth portfolio, also factoring in that we wanna minimize the capital gains tax and, obviously, selling investments. I'll put all of that in a research document for you and present Yeah. it, and then you can let me know if you're happy with the change and what your thoughts are. Yeah.","start_word":4741,"end_word":4873,"sentiment":"neutral","sentiment_score":0.1169532760977745},{"text":"All good. Perfect. Perfect.","start_word":4874,"end_word":4877,"sentiment":"positive","sentiment_score":0.5545137524604797},{"text":"Now it will take me a a couple of weeks to get all of this together. But as soon as I do, I'll give you a call, run through it, and then we can take it from there. Yeah.","start_word":4878,"end_word":4916,"sentiment":"neutral","sentiment_score":0.0348462276160717},{"text":"All good. Yep. Perfect.","start_word":4917,"end_word":4920,"sentiment":"positive","sentiment_score":0.5218923091888428},{"text":"Now the last thing is then if you are able to click on that sign document, you will see, I believe, there's true attachments. Alright. Let me see. Okay. Consent And it should in you ongoing fee arrangement. yes.","start_word":4921,"end_word":4959,"sentiment":"neutral","sentiment_score":0.0699063315987587},{"text":"So that one is to say that you're obviously happy to stay on as a client for us to service and manage everything for you.","start_word":4960,"end_word":4984,"sentiment":"positive","sentiment_score":0.3403869569301605},{"text":"It's not a locking contract at any point in time. So if at any point in time you are not happy with your services, you can cancel at any time. There is no locking contract. So this essentially just allows us to keep servicing your account in the meantime. Now you will see here as well that, obviously, with the fees, because your your partner is a client, that Yeah. has been reduced. So it's only 1.1% ongoing from your due valuation balance. Nothing Yeah. out of pocket. No changes to that otherwise. Alright. And Heavyweight.","start_word":4985,"end_word":5080,"sentiment":"neutral","sentiment_score":0.04511591047048569},{"text":"then I think perfect.","start_word":5081,"end_word":5084,"sentiment":"positive","sentiment_score":0.4772634208202362},{"text":"And then I think the last one that I'll ask you to sign is just a tax file number consent form. It's just to say that we're keeping your tax file number secure and safe on file. Yeah. So Yeah. Also, it that's fine. Alright.","start_word":5085,"end_word":5129,"sentiment":"neutral","sentiment_score":0.1612424999475479},{"text":"perfect.","start_word":5130,"end_word":5130,"sentiment":"positive","sentiment_score":0.3563096821308136},{"text":"So if you're happy to do so, if you wanna click and sign those documents, that will then come through to me. I'll get that processed in the back end. And then in the meantime, I will also go and do that research on your super invest. Yep. I'm just doing Perfect. it Is there now. anything else you would like me to research or have a look at for you, or it's mainly just just to see how those investments are changing potentially? Yeah. Pretty much that. Yep.","start_word":5131,"end_word":5219,"sentiment":"neutral","sentiment_score":0.15277712047100067},{"text":"Perfect.","start_word":5220,"end_word":5220,"sentiment":"positive","sentiment_score":0.37323999404907227},{"text":"Alright. It's loading. It should Yep. sign. Okay. Perfect. If it's sometimes it takes a little bit to come back. So if it says it's completed and assigned on your end, I'm Yeah. sure it'll pop up on on my end in a couple of minutes.","start_word":5221,"end_word":5266,"sentiment":"neutral","sentiment_score":0.12381272471469382},{"text":"But, otherwise, I will let you go and enjoy the rest of your day at work. So thank Yes. you so much for your time this morning. And like I said, I'll be in touch in a couple of weeks to run through all that research with the investments for you.","start_word":5267,"end_word":5317,"sentiment":"positive","sentiment_score":0.5496740937232971},{"text":"Yes.","start_word":5318,"end_word":5318,"sentiment":"neutral","sentiment_score":0.2978802025318146},{"text":"Yep. Perfect.","start_word":5319,"end_word":5320,"sentiment":"positive","sentiment_score":0.45725247263908386},{"text":"Do you have any other questions for me before I let you go all the way? No. No question. Nope. Okay.","start_word":5321,"end_word":5341,"sentiment":"neutral","sentiment_score":0.128909170627594},{"text":"Perfect. I will also get the team to email you that lawyer information and then post out those beneficial reforms as well.","start_word":5342,"end_word":5363,"sentiment":"positive","sentiment_score":0.3687477111816406},{"text":"So, obviously, take your time and understand what you would like to do with those. Yeah. Yep.","start_word":5364,"end_word":5380,"sentiment":"neutral","sentiment_score":0.17880231142044067},{"text":"Perfect. Well, thank you so much, Emmy, and I hope you have a lovely rest of your day. Alright. Thank you very much. Thanks. Bye.","start_word":5381,"end_word":5405,"sentiment":"positive","sentiment_score":0.7033839225769043},{"text":"Okay. Bye bye.","start_word":5406,"end_word":5408,"sentiment":"neutral","sentiment_score":0.19430842995643616}],"average":{"sentiment":"neutral","sentiment_score":0.0906513557531908}}}}