{"metadata":{"transaction_key":"deprecated","request_id":"4daeae11-57be-4efd-baac-55bd75041e20","sha256":"07d39564886e823255895fb0c681b2b18cc55785328a574c71a58d85d8d3bf60","created":"2026-03-31T05:17:16.444Z","duration":871.77594,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3003,"output_tokens":132},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3262,"output_tokens":3269},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3262,"output_tokens":160}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Lee. This is Veronica from Achieve Financial. How are you this afternoon? I'm good. Thanks. I had you booked in for a little bit of a catch up. Is now still a good time for you? If not, I can definitely reschedule for a more suitable time. If you are a bit short for time today, that is no problem. No. Probably I can probably depending on, obviously, how many questions and stuff you have, but I can probably make it in maybe, like, fifteen. I can do it as quickly as I can. Yeah. That no. That's okay. Now, Lee, just before I do go any further, I just need to let you know that calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know where that might be? Yeah. That's the one. Now, Lee, I have you booked in. I know you had your interview not too long ago with my colleague. And from that conversation, you wanted to be booked in with an adviser to talk a bit more about your performance on your super. Is that correct? Yeah. Yes. Yes. There are obviously a lot happening in the world. In the last twelve months, we have seen, you know, quite a bit of fluctuations in in the market and in the world. First, you obviously had Trump and tariffs and everything in The US, and then more recently, everything, the war and everything that's going on. So we have seen quite a bit of fluctuations in the market. But with that, though, your portfolio has actually hold up really well. So in the last twelve months, which I believe you guys went through over the annual review, but, basically, in the last twelve months now, this is all after fees, and that is obviously despite all the fluctuations and everything at the moment. Your portfolio has still gone up by 8.18%, which is actually, yeah, which is which is really good considering everything that's going on as well. So, overall, the portfolio has held up really well. There is one investment that I probably would be inclined to look to switch out for you, which I can do a bit more research on, which is the Benelon Australian Equity. So that one investment has underperformed. Some of your other investment have done really well, which is kind of, I guess, negated that one a little bit. So the Bennelong is down about 18%, but then you have some other ones that's up, like, 78, one that's up 32. So that kind of negates that a little bit. But, basically, the Bennelong investment, it was added to your portfolio when you came on board because it was doing really well. It was one of the best performing fund managers at the time, and the purpose of the Bennelong investment is to give you a bit bit more of an active approach. So the function of it is for them to actively buy and sell investments in order to try and outperform the market. And like I said, they had done that very well. More recently, they have underperformed a little bit. They've been a little bit slower in making changes. And one of the other factors in that one investment being down is that one of the companies that they were invested in was the Corporate Travel Group. I'm not sure if you heard about them, but, essentially, they had a bit of issues with their reporting, which basically saw that they had to suspend trading, which meant that everything fell down a little bit. So, overall, like I said, your portfolio has done really well considering today's market condition, but I would like to do a bit more research on just that one investment for you to see if, you know, we should potentially look at swapping that one for something else to make sure that we have you in the most optimal position and the investment that's going to do the best for you. Are you happy for me to do that? Yeah. Great. Now at the moment, we have your portfolio in a high growth portfolio. So typically speaking, time frame wise, we do allow at least eight years until retirement, making sure you have enough time in the market for those fluctuations. You will see a little bit of fluctuations in the short term in a high growth portfolio, but then long term, their goal is to tryna maximize that growth as much as possible. And, speaking, we see about 90% or so of the investment in what we would call your growth investment. So that will be, like, your international shares, your Australian shares, property, and commodities. And that is what's going to grow your superannuation. And then we do have about 10 in more defensive investments like your cash, your gold, your fixed interest. Nelly, are you still comfortable seeing you know, staying in a high growth portfolio, seeing a bit of those fluctuations, or has your risk tolerance or anything changed at all? No. Happy to do that. Okay. And is that was that the purpose of buying a profit investment property? Yep. No. That's okay. I'll make a little note of that for you. That is no problem. But at the moment, quite happy with the way things are going and growing that other way. Yeah. No. That's no problem. Now the I do wanna check with you as well. Have you read our recent newsletter at all by any chance? No. That's okay. The reason I do ask is while I am reviewing your super investment, I wanted to check with you on a bit of a new change that we've recently done. So we've recently merged or partnered up with BlackRock, which is one of the you may have heard of them, but one of the biggest fund managers in the world, actually. And we've partnered up with them to create our own SMA. So an SMA is called a self managed account. So how it's slightly different to the way that your super is currently set up in Hub twenty four is that you have what we would call, like, your model portfolio. So you will have each and every single one of those investment listed in Hub twenty four for you. Now if we wanna go and make a change, so for example, Bennelong, we would obviously go do all the research. We would have to prepare from a compliance point and everything like that. And to make sure you're fully aware, we have to prepare everything in a new statement of advice. For a sense that to you, you would have to sign and agree to the change before we can actually go and make a change. So there's a a bit more of, like, a the compliance side of it. It gives you full control of any changes before we do make it. But at the same time, because that process does take a couple of weeks sometimes, it can obviously a little bit hard with with timing things because sometimes you do wanna make a change quite quickly before things do change too much. So the function with the SMA is that it allows us to do that very quickly. So how it's different is you can still have it in Hub twenty four if that's that's good is that you would invest in a portfolio. Now you can still have a high growth portfolio focusing on all of that. It's still kind of a similar investment philosophy, but you would just be invested in that portfolio and then still have all the underlying investment. But what it basically allows us to do is that we can then quickly swap something for you. So we can still let you know of the changes afterwards when we've made it, but it means that you don't have to go through the whole, present the strategy, approve it, agree to it before we can make a change, which speeds up the process when there is a bit of, you know, fluctuations and uncertainty in the market. But it allows us to make changes very quickly. And by partnering up with BlackRock, we obviously utilize all their expertise and knowledge along with our in house investment committee. Is that something that you are open to, or do you prefer the way things are structured right now? It's ultimately no. It's alt no. That's okay. Ultimately, it's completely up to you what you are comfortable with. If it is something that you are like, okay. Well, I'm happy to see what it looks like. I would still have to go and do all the research for you, put together a strategy, and I have to make sure it's still in your best interest and in the put you in a better position. So if I do the research mhmm. Yes. Yeah. Of course I do. Yeah. So what I can do for you is I can send you an email with the the bit of the SMA. You can have a bit of a read over it as think about it. Now if you would like me to book in a bit of a follow-up sometime next week to see what your thoughts are, I'm more than happy to do so. Would that be yeah. Let us do that. And if you do have a read over it and you go, yeah. I'm happy to see what this looks like, you can always just respond to the email, and then I can go and do that research for you in the back end because it does take about two weeks for me to put all the research together anyway. Mhmm. Sorry. Let me see here. In two weeks' time, that would mean that daylight savings time is over, which is great. But now when is the best time for you, Lee? Tuesday, Wednesday. I am fully booked on the Wednesday, but I can do Tuesday the fourteenth at 4PM. Yeah. Would that work? Yep. Okay. Perfect. Now I'll schedule that in for you. But like I said, I will send you the document with the SMA, just the concept of it. Have a read through it. If between now and the fourteenth, you read and you go, okay. I am happy to look at it. Just respond to my email because then I can start the research process because like I said, it will take about two weeks for me to put everything together anyway. And if I do the research and the SMA does not put you in a better position, I cannot recommend it for you. But at the same time, I wanna make sure that is something you're comfortable with because I have some clients that goes, yes. Fabulous. That's great. I don't need to be involved in every investment decision. It takes that away, and it means that you can quickly make changes, which is great. But I also have some other clients that goes, no. Do you know what? I want to be completely involved in the whole process, and I would like to look at it, approve it before you make a change. So, ultimately, it is completely up to you what you are comfortable with. Because regardless of which way you decide you are comfortable with, I will still review the portfolio and look to see if we wanna change that along anyway. It's just whichever direction you are comfortable with just kind of determines which research pathway I go down. But I can always look at everything anyway. So I know it's a lot. So take your time to have a read over it. Like I said, if I don't hear from you, I will call you on Tuesday the fourteenth at four to kinda follow-up to see where your thoughts are. We can go through any questions and stuff like that. But if you do read over it and you are happy to consider it, just respond to the email, and then I can start the process for you. Yeah. Perfect. Sorry, Lee. The last thing I do need to check as well is just your income and your contributions. If I do need to go and do the research for you, which is I do have your office work income at about 63,180. Is that correct? Perfect. And then also, you do as a sole trader working at a gym, as a PT, and a bookkeeper? Yep. Perfect. And you earn about 14,400 from that? Yeah. Yeah. And on the sole trading business, do you pay yourself any contributions into Super, or is that just from your main office job? Okay. No. That is perfect. That was everything I needed to check. So I will let you go, and enjoy the rest of your day. Keep a look at for my email. And like I said, if I don't hear from you, I will give you a call on Tuesday, April 14 at four 4PM, and we can continue the discussion and see what you what your thoughts are when you had time to read over it a little bit. Yeah. No problem at all, Lee. I look forward to speaking with you soon again. Mhmm. You too, Lee. We'll speak soon. Okay. 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afternoon, Lee. This is Veronica from Achieve Financial. How are you this afternoon? I'm good. Thanks.\n\nI had you booked in for a little bit of a catch up. Is now still a good time for you? If not, I can definitely reschedule for a more suitable time. If you are a bit short for time today, that is no problem. No.\n\nProbably I can probably depending on, obviously, how many questions and stuff you have, but I can probably make it in maybe, like, fifteen. I can do it as quickly as I can. Yeah. That no. That's okay.\n\nNow, Lee, just before I do go any further, I just need to let you know that calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, I do have a password on file. Do you know where that might be? Yeah.\n\nThat's the one. Now, Lee, I have you booked in. I know you had your interview not too long ago with my colleague. And from that conversation, you wanted to be booked in with an adviser to talk a bit more about your performance on your super. Is that correct?\n\nYeah. Yes. Yes. There are obviously a lot happening in the world. In the last twelve months, we have seen, you know, quite a bit of fluctuations in in the market and in the world.\n\nFirst, you obviously had Trump and tariffs and everything in The US, and then more recently, everything, the war and everything that's going on. So we have seen quite a bit of fluctuations in the market. But with that, though, your portfolio has actually hold up really well. So in the last twelve months, which I believe you guys went through over the annual review, but, basically, in the last twelve months now, this is all after fees, and that is obviously despite all the fluctuations and everything at the moment. Your portfolio has still gone up by 8.18%, which is actually, yeah, which is which is really good considering everything that's going on as well.\n\nSo, overall, the portfolio has held up really well. There is one investment that I probably would be inclined to look to switch out for you, which I can do a bit more research on, which is the Benelon Australian Equity. So that one investment has underperformed. Some of your other investment have done really well, which is kind of, I guess, negated that one a little bit. So the Bennelong is down about 18%, but then you have some other ones that's up, like, 78, one that's up 32.\n\nSo that kind of negates that a little bit. But, basically, the Bennelong investment, it was added to your portfolio when you came on board because it was doing really well. It was one of the best performing fund managers at the time, and the purpose of the Bennelong investment is to give you a bit bit more of an active approach. So the function of it is for them to actively buy and sell investments in order to try and outperform the market. And like I said, they had done that very well.\n\nMore recently, they have underperformed a little bit. They've been a little bit slower in making changes. And one of the other factors in that one investment being down is that one of the companies that they were invested in was the Corporate Travel Group. I'm not sure if you heard about them, but, essentially, they had a bit of issues with their reporting, which basically saw that they had to suspend trading, which meant that everything fell down a little bit. So, overall, like I said, your portfolio has done really well considering today's market condition, but I would like to do a bit more research on just that one investment for you to see if, you know, we should potentially look at swapping that one for something else to make sure that we have you in the most optimal position and the investment that's going to do the best for you.\n\nAre you happy for me to do that? Yeah. Great. Now at the moment, we have your portfolio in a high growth portfolio. So typically speaking, time frame wise, we do allow at least eight years until retirement, making sure you have enough time in the market for those fluctuations.\n\nYou will see a little bit of fluctuations in the short term in a high growth portfolio, but then long term, their goal is to tryna maximize that growth as much as possible. And, speaking, we see about 90% or so of the investment in what we would call your growth investment. So that will be, like, your international shares, your Australian shares, property, and commodities. And that is what's going to grow your superannuation. And then we do have about 10 in more defensive investments like your cash, your gold, your fixed interest.\n\nNelly, are you still comfortable seeing you know, staying in a high growth portfolio, seeing a bit of those fluctuations, or has your risk tolerance or anything changed at all? No. Happy to do that. Okay. And is that was that the purpose of buying a profit investment property?\n\nYep. No. That's okay. I'll make a little note of that for you. That is no problem.\n\nBut at the moment, quite happy with the way things are going and growing that other way. Yeah. No. That's no problem. Now the I do wanna check with you as well.\n\nHave you read our recent newsletter at all by any chance? No. That's okay. The reason I do ask is while I am reviewing your super investment, I wanted to check with you on a bit of a new change that we've recently done. So we've recently merged or partnered up with BlackRock, which is one of the you may have heard of them, but one of the biggest fund managers in the world, actually.\n\nAnd we've partnered up with them to create our own SMA. So an SMA is called a self managed account. So how it's slightly different to the way that your super is currently set up in Hub twenty four is that you have what we would call, like, your model portfolio. So you will have each and every single one of those investment listed in Hub twenty four for you. Now if we wanna go and make a change, so for example, Bennelong, we would obviously go do all the research.\n\nWe would have to prepare from a compliance point and everything like that. And to make sure you're fully aware, we have to prepare everything in a new statement of advice. For a sense that to you, you would have to sign and agree to the change before we can actually go and make a change. So there's a a bit more of, like, a the compliance side of it. It gives you full control of any changes before we do make it.\n\nBut at the same time, because that process does take a couple of weeks sometimes, it can obviously a little bit hard with with timing things because sometimes you do wanna make a change quite quickly before things do change too much. So the function with the SMA is that it allows us to do that very quickly. So how it's different is you can still have it in Hub twenty four if that's that's good is that you would invest in a portfolio. Now you can still have a high growth portfolio focusing on all of that. It's still kind of a similar investment philosophy, but you would just be invested in that portfolio and then still have all the underlying investment.\n\nBut what it basically allows us to do is that we can then quickly swap something for you. So we can still let you know of the changes afterwards when we've made it, but it means that you don't have to go through the whole, present the strategy, approve it, agree to it before we can make a change, which speeds up the process when there is a bit of, you know, fluctuations and uncertainty in the market. But it allows us to make changes very quickly. And by partnering up with BlackRock, we obviously utilize all their expertise and knowledge along with our in house investment committee. Is that something that you are open to, or do you prefer the way things are structured right now?\n\nIt's ultimately no. It's alt no. That's okay. Ultimately, it's completely up to you what you are comfortable with. If it is something that you are like, okay.\n\nWell, I'm happy to see what it looks like. I would still have to go and do all the research for you, put together a strategy, and I have to make sure it's still in your best interest and in the put you in a better position. So if I do the research mhmm. Yes. Yeah.\n\nOf course I do. Yeah. So what I can do for you is I can send you an email with the the bit of the SMA. You can have a bit of a read over it as think about it. Now if you would like me to book in a bit of a follow-up sometime next week to see what your thoughts are, I'm more than happy to do so.\n\nWould that be yeah. Let us do that. And if you do have a read over it and you go, yeah. I'm happy to see what this looks like, you can always just respond to the email, and then I can go and do that research for you in the back end because it does take about two weeks for me to put all the research together anyway. Mhmm.\n\nSorry. Let me see here. In two weeks' time, that would mean that daylight savings time is over, which is great. But now when is the best time for you, Lee? Tuesday, Wednesday.\n\nI am fully booked on the Wednesday, but I can do Tuesday the fourteenth at 4PM. Yeah. Would that work? Yep. Okay.\n\nPerfect. Now I'll schedule that in for you. But like I said, I will send you the document with the SMA, just the concept of it. Have a read through it. If between now and the fourteenth, you read and you go, okay.\n\nI am happy to look at it. Just respond to my email because then I can start the research process because like I said, it will take about two weeks for me to put everything together anyway. And if I do the research and the SMA does not put you in a better position, I cannot recommend it for you. But at the same time, I wanna make sure that is something you're comfortable with because I have some clients that goes, yes. Fabulous.\n\nThat's great. I don't need to be involved in every investment decision. It takes that away, and it means that you can quickly make changes, which is great. But I also have some other clients that goes, no. Do you know what?\n\nI want to be completely involved in the whole process, and I would like to look at it, approve it before you make a change. So, ultimately, it is completely up to you what you are comfortable with. Because regardless of which way you decide you are comfortable with, I will still review the portfolio and look to see if we wanna change that along anyway. It's just whichever direction you are comfortable with just kind of determines which research pathway I go down. But I can always look at everything anyway.\n\nSo I know it's a lot. So take your time to have a read over it. Like I said, if I don't hear from you, I will call you on Tuesday the fourteenth at four to kinda follow-up to see where your thoughts are. We can go through any questions and stuff like that. But if you do read over it and you are happy to consider it, just respond to the email, and then I can start the process for you.\n\nYeah. Perfect. Sorry, Lee. The last thing I do need to check as well is just your income and your contributions. If I do need to go and do the research for you, which is I do have your office work income at about 63,180.\n\nIs that correct? Perfect. And then also, you do as a sole trader working at a gym, as a PT, and a bookkeeper? Yep. Perfect.\n\nAnd you earn about 14,400 from that? Yeah. Yeah. And on the sole trading business, do you pay yourself any contributions into Super, or is that just from your main office job? Okay.\n\nNo. That is perfect. That was everything I needed to check. So I will let you go, and enjoy the rest of your day. Keep a look at for my email.\n\nAnd like I said, if I don't hear from you, I will give you a call on Tuesday, April 14 at four 4PM, and we can continue the discussion and see what you what your thoughts are when you had time to read over it a little bit. Yeah. No problem at all, Lee. I look forward to speaking with you soon again. Mhmm.\n\nYou too, Lee. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Lee.","start":3.04,"end":4.08,"sentiment":"positive","sentiment_score":0.33528852462768555},{"text":"This is Veronica from Achieve Financial.","start":4.08,"end":6.08,"sentiment":"neutral","sentiment_score":0.23056530952453613},{"text":"How are you this afternoon?","start":6.08,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.24950571060180665},{"text":"I'm good.","start":10.48,"end":11.28,"sentiment":"positive","sentiment_score":0.505408838391304},{"text":"Thanks.","start":11.28,"end":11.78,"sentiment":"positive","sentiment_score":0.5767257213592529}],"sentiment":"neutral","sentiment_score":0.30731349306948047,"num_words":17,"start":3.04,"end":11.78},{"sentences":[{"text":"I had you booked in for a little bit of a catch up.","start":12.895,"end":15.8550005,"sentiment":"neutral","sentiment_score":0.2867770366943799},{"text":"Is now still a good time for you?","start":15.8550005,"end":17.475,"sentiment":"neutral","sentiment_score":0.277738980948925},{"text":"If not, I can definitely reschedule for a more suitable time.","start":22.415,"end":26.09,"sentiment":"neutral","sentiment_score":0.15426042405041782},{"text":"If you are a bit short for time today, that is no problem.","start":26.09,"end":29.47,"sentiment":"neutral","sentiment_score":0.12235177193696682},{"text":"No.","start":35.21,"end":35.61,"sentiment":"neutral","sentiment_score":-0.04281921684741974}],"sentiment":"neutral","sentiment_score":0.19988330016317574,"num_words":46,"start":12.895,"end":35.61},{"sentences":[{"text":"Probably I can probably depending on, obviously, how many questions and stuff you have, but I can probably make it in maybe, like, fifteen.","start":35.61,"end":43.614998,"sentiment":"neutral","sentiment_score":-0.01962112938053906},{"text":"I can do it as quickly as I can.","start":43.614998,"end":45.235,"sentiment":"neutral","sentiment_score":0.02249561498562495},{"text":"Yeah.","start":46.415,"end":46.735,"sentiment":"neutral","sentiment_score":0.1762070655822754},{"text":"That no.","start":46.735,"end":47.775,"sentiment":"neutral","sentiment_score":0.0862276703119278},{"text":"That's okay.","start":47.775,"end":48.595,"sentiment":"neutral","sentiment_score":0.08588690310716629}],"sentiment":"neutral","sentiment_score":0.0066313063725829124,"num_words":38,"start":35.61,"end":48.595},{"sentences":[{"text":"Now, Lee, just before I do go any further, I just need to let you know that calls are being recorded for quality and coaching purposes, if that's okay.","start":49.614998,"end":56.51,"sentiment":"neutral","sentiment_score":0.05773618534721177},{"text":"Perfect.","start":58.09,"end":58.59,"sentiment":"neutral","sentiment_score":0.3098374605178833},{"text":"And just to confirm I am speaking with the right person, I do have a password on file.","start":58.73,"end":64.01,"sentiment":"neutral","sentiment_score":0.1070257503953245},{"text":"Do you know where that might be?","start":64.01,"end":65.47,"sentiment":"neutral","sentiment_score":0.04470486326941422},{"text":"Yeah.","start":67.994995,"end":68.315,"sentiment":"neutral","sentiment_score":0.06462672352790833}],"sentiment":"neutral","sentiment_score":0.07657519837708346,"num_words":56,"start":49.614998,"end":68.315},{"sentences":[{"text":"That's the one.","start":68.315,"end":69.295,"sentiment":"neutral","sentiment_score":0.11796694248914719},{"text":"Now, Lee, I have you booked in.","start":71.755,"end":74.015,"sentiment":"neutral","sentiment_score":0.08133416995406151},{"text":"I know you had your interview not too long ago with my colleague.","start":74.315,"end":78.634995,"sentiment":"neutral","sentiment_score":0.06744723509137447},{"text":"And from that conversation, you wanted to be booked in with an adviser to talk a bit more about your performance on your super.","start":78.634995,"end":86.81,"sentiment":"neutral","sentiment_score":0.08373166341334581},{"text":"Is that correct?","start":86.81,"end":87.63,"sentiment":"neutral","sentiment_score":0.0626987690726916}],"sentiment":"neutral","sentiment_score":0.0799542060494423,"num_words":50,"start":68.315,"end":87.63},{"sentences":[{"text":"Yeah.","start":91.45,"end":91.95,"sentiment":"neutral","sentiment_score":-0.02714177407324314},{"text":"Yes.","start":92.265,"end":92.765,"sentiment":"neutral","sentiment_score":-0.05957167595624924},{"text":"Yes.","start":101.305,"end":101.805,"sentiment":"neutral","sentiment_score":-0.03301500901579857},{"text":"There are obviously a lot happening in the world.","start":102.025,"end":104.425,"sentiment":"neutral","sentiment_score":-0.06689214126931296},{"text":"In the last twelve months, we have seen, you know, quite a bit of fluctuations in in the market and in the world.","start":104.425,"end":112.64,"sentiment":"neutral","sentiment_score":-0.04626993511034095}],"sentiment":"neutral","sentiment_score":-0.051027606800198556,"num_words":35,"start":91.45,"end":112.64},{"sentences":[{"text":"First, you obviously had Trump and tariffs and everything in The US, and then more recently, everything, the war and everything that's going on.","start":112.64,"end":120.48,"sentiment":"neutral","sentiment_score":-0.04051025914183507},{"text":"So we have seen quite a bit of fluctuations in the market.","start":120.48,"end":123.985,"sentiment":"neutral","sentiment_score":-0.09010772313922644},{"text":"But with that, though, your portfolio has actually hold up really well.","start":125.005,"end":130.065,"sentiment":"neutral","sentiment_score":0.19736194175978503},{"text":"So in the last twelve months, which I believe you guys went through over the annual review, but, basically, in the last twelve months now, this is all after fees, and that is obviously despite all the fluctuations and everything at the moment.","start":130.44499,"end":145.31,"sentiment":"neutral","sentiment_score":0.09615313019170317},{"text":"Your portfolio has still gone up by 8.18%, which is actually, yeah, which is which is really good considering everything that's going on as well.","start":146.09,"end":158.455,"sentiment":"positive","sentiment_score":0.5934638404846191}],"sentiment":"neutral","sentiment_score":0.16625849150346014,"num_words":116,"start":112.64,"end":158.455},{"sentences":[{"text":"So, overall, the portfolio has held up really well.","start":159.875,"end":163.175,"sentiment":"positive","sentiment_score":0.49399609367052716},{"text":"There is one investment that I probably would be inclined to look to switch out for you, which I can do a bit more research on, which is the Benelon Australian Equity.","start":165.38,"end":178.095,"sentiment":"neutral","sentiment_score":0.052996748709119856},{"text":"So that one investment has underperformed.","start":178.095,"end":180.515,"sentiment":"neutral","sentiment_score":0.0984194353222847},{"text":"Some of your other investment have done really well, which is kind of, I guess, negated that one a little bit.","start":182.015,"end":188.015,"sentiment":"neutral","sentiment_score":-0.06715998709911392},{"text":"So the Bennelong is down about 18%, but then you have some other ones that's up, like, 78, one that's up 32.","start":188.015,"end":198.93001,"sentiment":"neutral","sentiment_score":-0.029040066747587513}],"sentiment":"neutral","sentiment_score":0.05203484684591078,"num_words":90,"start":159.875,"end":198.93001},{"sentences":[{"text":"So that kind of negates that a little bit.","start":199.31,"end":201.79001,"sentiment":"neutral","sentiment_score":-0.10160684833923976},{"text":"But, basically, the Bennelong investment, it was added to your portfolio when you came on board because it was doing really well.","start":201.79001,"end":209.02501,"sentiment":"neutral","sentiment_score":0.2004489924928004},{"text":"It was one of the best performing fund managers at the time, and the purpose of the Bennelong investment is to give you a bit bit more of an active approach.","start":209.32501,"end":218.145,"sentiment":"neutral","sentiment_score":0.25898772910717993},{"text":"So the function of it is for them to actively buy and sell investments in order to try and outperform the market.","start":218.365,"end":226.3,"sentiment":"neutral","sentiment_score":0.20143487914042038},{"text":"And like I said, they had done that very well.","start":227.0,"end":229.5,"sentiment":"neutral","sentiment_score":0.1445952348411083}],"sentiment":"neutral","sentiment_score":0.18512293076182298,"num_words":94,"start":199.31,"end":229.5},{"sentences":[{"text":"More recently, they have underperformed a little bit.","start":230.28,"end":233.625,"sentiment":"neutral","sentiment_score":-0.04816064611077309},{"text":"They've been a little bit slower in making changes.","start":233.865,"end":237.005,"sentiment":"neutral","sentiment_score":-0.2887833383348253},{"text":"And one of the other factors in that one investment being down is that one of the companies that they were invested in was the Corporate Travel Group.","start":237.945,"end":248.045,"sentiment":"neutral","sentiment_score":-0.1457691312368427},{"text":"I'm not sure if you heard about them, but, essentially, they had a bit of issues with their reporting, which basically saw that they had to suspend trading, which meant that everything fell down a little bit.","start":248.15001,"end":261.51,"sentiment":"neutral","sentiment_score":-0.21352412189180786},{"text":"So, overall, like I said, your portfolio has done really well considering today's market condition, but I would like to do a bit more research on just that one investment for you to see if, you know, we should potentially look at swapping that one for something else to make sure that we have you in the most optimal position and the investment that's going to do the best for you.","start":261.51,"end":283.61002,"sentiment":"neutral","sentiment_score":0.24861186711301267}],"sentiment":"neutral","sentiment_score":0.017550190630691503,"num_words":153,"start":230.28,"end":283.61002},{"sentences":[{"text":"Are you happy for me to do that?","start":283.83002,"end":285.69,"sentiment":"neutral","sentiment_score":0.3125283010303974},{"text":"Yeah.","start":286.95,"end":287.45,"sentiment":"neutral","sentiment_score":0.3257598578929901},{"text":"Great.","start":287.51,"end":288.01,"sentiment":"positive","sentiment_score":0.5537638664245605},{"text":"Now at the moment, we have your portfolio in a high growth portfolio.","start":289.11002,"end":294.035,"sentiment":"neutral","sentiment_score":0.22471195000868577},{"text":"So typically speaking, time frame wise, we do allow at least eight years until retirement, making sure you have enough time in the market for those fluctuations.","start":294.975,"end":305.075,"sentiment":"neutral","sentiment_score":0.19631396951498808}],"sentiment":"neutral","sentiment_score":0.23202965319156646,"num_words":50,"start":283.83002,"end":305.075},{"sentences":[{"text":"You will see a little bit of fluctuations in the short term in a high growth portfolio, but then long term, their goal is to tryna maximize that growth as much as possible.","start":307.44,"end":317.46,"sentiment":"neutral","sentiment_score":0.23265203404607196},{"text":"And, speaking, we see about 90% or so of the investment in what we would call your growth investment.","start":318.24,"end":328.495,"sentiment":"neutral","sentiment_score":0.15203693469888285},{"text":"So that will be, like, your international shares, your Australian shares, property, and commodities.","start":328.715,"end":333.935,"sentiment":"neutral","sentiment_score":0.14884894394448825},{"text":"And that is what's going to grow your superannuation.","start":334.47,"end":336.73,"sentiment":"neutral","sentiment_score":0.2020107689830992},{"text":"And then we do have about 10 in more defensive investments like your cash, your gold, your fixed interest.","start":337.27002,"end":343.85,"sentiment":"neutral","sentiment_score":0.09733180231169651}],"sentiment":"neutral","sentiment_score":0.173590481519065,"num_words":94,"start":307.44,"end":343.85},{"sentences":[{"text":"Nelly, are you still comfortable seeing you know, staying in a high growth portfolio, seeing a bit of those fluctuations, or has your risk tolerance or anything changed at all?","start":345.27002,"end":355.565,"sentiment":"neutral","sentiment_score":0.04924201450000207},{"text":"No.","start":357.625,"end":358.125,"sentiment":"neutral","sentiment_score":-0.18236349523067472},{"text":"Happy to do that.","start":358.665,"end":359.885,"sentiment":"neutral","sentiment_score":0.019207630306482315},{"text":"Okay.","start":368.37,"end":368.87,"sentiment":"neutral","sentiment_score":0.04483897238969803},{"text":"And is that was that the purpose of buying a profit investment property?","start":369.17,"end":373.67,"sentiment":"neutral","sentiment_score":0.04823840323549051}],"sentiment":"neutral","sentiment_score":0.04170746276421206,"num_words":49,"start":345.27002,"end":373.67},{"sentences":[{"text":"Yep.","start":375.075,"end":375.575,"sentiment":"neutral","sentiment_score":0.07603351771831512},{"text":"No.","start":376.515,"end":376.755,"sentiment":"neutral","sentiment_score":0.07040687650442123},{"text":"That's okay.","start":376.755,"end":377.475,"sentiment":"neutral","sentiment_score":0.150793194770813},{"text":"I'll make a little note of that for you.","start":377.475,"end":379.895,"sentiment":"neutral","sentiment_score":0.264058134622044},{"text":"That is no problem.","start":382.755,"end":384.035,"sentiment":"neutral","sentiment_score":0.23865235969424248}],"sentiment":"neutral","sentiment_score":0.2223034961258664,"num_words":17,"start":375.075,"end":384.035},{"sentences":[{"text":"But at the moment, quite happy with the way things are going and growing that other way.","start":384.035,"end":389.31998,"sentiment":"positive","sentiment_score":0.5042309471789528},{"text":"Yeah.","start":389.31998,"end":389.72,"sentiment":"neutral","sentiment_score":0.2378453016281128},{"text":"No.","start":389.72,"end":389.8,"sentiment":"neutral","sentiment_score":0.1607602834701538},{"text":"That's no problem.","start":389.8,"end":390.86,"sentiment":"neutral","sentiment_score":0.2577606787284215},{"text":"Now the I do wanna check with you as well.","start":392.6,"end":395.0,"sentiment":"neutral","sentiment_score":0.1545828402042389}],"sentiment":"positive","sentiment_score":0.3528013164177537,"num_words":32,"start":384.035,"end":395.0},{"sentences":[{"text":"Have you read our recent newsletter at all by any chance?","start":395.0,"end":398.46,"sentiment":"neutral","sentiment_score":0.05538892034779896},{"text":"No.","start":402.055,"end":402.375,"sentiment":"neutral","sentiment_score":-0.0303619597107172},{"text":"That's okay.","start":402.375,"end":403.195,"sentiment":"neutral","sentiment_score":0.049759404733777046},{"text":"The reason I do ask is while I am reviewing your super investment, I wanted to check with you on a bit of a new change that we've recently done.","start":403.73502,"end":414.47,"sentiment":"neutral","sentiment_score":0.07559682093560696},{"text":"So we've recently merged or partnered up with BlackRock, which is one of the you may have heard of them, but one of the biggest fund managers in the world, actually.","start":414.47,"end":423.43,"sentiment":"neutral","sentiment_score":0.09905244626345173}],"sentiment":"neutral","sentiment_score":0.0802262058109045,"num_words":75,"start":395.0,"end":423.43},{"sentences":[{"text":"And we've partnered up with them to create our own SMA.","start":423.43,"end":428.215,"sentiment":"neutral","sentiment_score":0.14658161388202148},{"text":"So an SMA is called a self managed account.","start":429.315,"end":433.975,"sentiment":"neutral","sentiment_score":0.13989385051859748},{"text":"So how it's slightly different to the way that your super is currently set up in Hub twenty four is that you have what we would call, like, your model portfolio.","start":434.835,"end":444.91998,"sentiment":"neutral","sentiment_score":0.14329448678801138},{"text":"So you will have each and every single one of those investment listed in Hub twenty four for you.","start":445.13998,"end":450.6,"sentiment":"neutral","sentiment_score":0.21271831424612747},{"text":"Now if we wanna go and make a change, so for example, Bennelong, we would obviously go do all the research.","start":450.74,"end":457.915,"sentiment":"neutral","sentiment_score":0.14566040322894142}],"sentiment":"neutral","sentiment_score":0.15839657072837537,"num_words":91,"start":423.43,"end":457.915},{"sentences":[{"text":"We would have to prepare from a compliance point and everything like that.","start":457.915,"end":461.195,"sentiment":"neutral","sentiment_score":0.09476215736224101},{"text":"And to make sure you're fully aware, we have to prepare everything in a new statement of advice.","start":461.195,"end":466.175,"sentiment":"neutral","sentiment_score":0.10246823272771305},{"text":"For a sense that to you, you would have to sign and agree to the change before we can actually go and make a change.","start":466.635,"end":473.15997,"sentiment":"neutral","sentiment_score":0.13554748237133027},{"text":"So there's a a bit more of, like, a the compliance side of it.","start":473.86,"end":477.24,"sentiment":"neutral","sentiment_score":0.21815717965364456},{"text":"It gives you full control of any changes before we do make it.","start":477.37997,"end":481.24,"sentiment":"neutral","sentiment_score":0.27923424312701595}],"sentiment":"neutral","sentiment_score":0.15842492734811392,"num_words":83,"start":457.915,"end":481.24},{"sentences":[{"text":"But at the same time, because that process does take a couple of weeks sometimes, it can obviously a little bit hard with with timing things because sometimes you do wanna make a change quite quickly before things do change too much.","start":481.46,"end":494.885,"sentiment":"neutral","sentiment_score":-0.09302869208511852},{"text":"So the function with the SMA is that it allows us to do that very quickly.","start":495.505,"end":500.785,"sentiment":"neutral","sentiment_score":0.3175406758673489},{"text":"So how it's different is you can still have it in Hub twenty four if that's that's good is that you would invest in a portfolio.","start":500.785,"end":507.98,"sentiment":"neutral","sentiment_score":0.322423913444464},{"text":"Now you can still have a high growth portfolio focusing on all of that.","start":508.12003,"end":511.98,"sentiment":"positive","sentiment_score":0.39245618666921345},{"text":"It's still kind of a similar investment philosophy, but you would just be invested in that portfolio and then still have all the underlying investment.","start":512.12,"end":520.47504,"sentiment":"neutral","sentiment_score":0.2781525194644928}],"sentiment":"neutral","sentiment_score":0.17889973248650387,"num_words":123,"start":481.46,"end":520.47504},{"sentences":[{"text":"But what it basically allows us to do is that we can then quickly swap something for you.","start":520.855,"end":526.715,"sentiment":"positive","sentiment_score":0.4029999126990636},{"text":"So we can still let you know of the changes afterwards when we've made it, but it means that you don't have to go through the whole, present the strategy, approve it, agree to it before we can make a change, which speeds up the process when there is a bit of, you know, fluctuations and uncertainty in the market.","start":526.85004,"end":544.425,"sentiment":"positive","sentiment_score":0.43690928891301156},{"text":"But it allows us to make changes very quickly.","start":544.425,"end":547.245,"sentiment":"positive","sentiment_score":0.5447346568107605},{"text":"And by partnering up with BlackRock, we obviously utilize all their expertise and knowledge along with our in house investment committee.","start":548.26495,"end":557.32495,"sentiment":"positive","sentiment_score":0.3385382060493742},{"text":"Is that something that you are open to, or do you prefer the way things are structured right now?","start":558.76,"end":564.38,"sentiment":"neutral","sentiment_score":0.14394980786662354}],"sentiment":"positive","sentiment_score":0.3796497350485306,"num_words":127,"start":520.855,"end":564.38},{"sentences":[{"text":"It's ultimately no.","start":570.055,"end":572.535,"sentiment":"neutral","sentiment_score":-0.13197408616542816},{"text":"It's alt no.","start":572.535,"end":573.89496,"sentiment":"neutral","sentiment_score":-0.06528442228833835},{"text":"That's okay.","start":573.89496,"end":574.535,"sentiment":"neutral","sentiment_score":0.002414788119494915},{"text":"Ultimately, it's completely up to you what you are comfortable with.","start":574.535,"end":577.27496,"sentiment":"neutral","sentiment_score":0.11896692216396332},{"text":"If it is something that you are like, okay.","start":577.415,"end":579.415,"sentiment":"neutral","sentiment_score":0.11171603699525197}],"sentiment":"neutral","sentiment_score":0.061683375987091234,"num_words":28,"start":570.055,"end":579.415},{"sentences":[{"text":"Well, I'm happy to see what it looks like.","start":579.415,"end":581.43,"sentiment":"positive","sentiment_score":0.5704444713062711},{"text":"I would still have to go and do all the research for you, put together a strategy, and I have to make sure it's still in your best interest and in the put you in a better position.","start":581.58997,"end":590.57,"sentiment":"positive","sentiment_score":0.3947890494999133},{"text":"So if I do the research mhmm.","start":590.87,"end":594.01,"sentiment":"neutral","sentiment_score":0.10798841076237815},{"text":"Yes.","start":594.615,"end":595.115,"sentiment":"neutral","sentiment_score":0.13951922953128815},{"text":"Yeah.","start":595.815,"end":596.135,"sentiment":"neutral","sentiment_score":0.12867072224617004}],"sentiment":"positive","sentiment_score":0.37785880267620087,"num_words":56,"start":579.415,"end":596.135},{"sentences":[{"text":"Of course I do.","start":596.135,"end":597.195,"sentiment":"neutral","sentiment_score":0.1152845174074173},{"text":"Yeah.","start":598.775,"end":599.275,"sentiment":"neutral","sentiment_score":0.14574438333511353},{"text":"So what I can do for you is I can send you an email with the the bit of the SMA.","start":600.135,"end":607.835,"sentiment":"neutral","sentiment_score":0.17598446990762437},{"text":"You can have a bit of a read over it as think about it.","start":609.01996,"end":612.48,"sentiment":"neutral","sentiment_score":0.17246559688023158},{"text":"Now if you would like me to book in a bit of a follow-up sometime next week to see what your thoughts are, I'm more than happy to do so.","start":612.77997,"end":620.31995,"sentiment":"positive","sentiment_score":0.4638639638821284}],"sentiment":"neutral","sentiment_score":0.29475705134017127,"num_words":70,"start":596.135,"end":620.31995},{"sentences":[{"text":"Would that be yeah.","start":622.115,"end":625.475,"sentiment":"neutral","sentiment_score":0.015031750779598951},{"text":"Let us do that.","start":625.475,"end":626.59503,"sentiment":"neutral","sentiment_score":0.11495586484670639},{"text":"And if you do have a read over it and you go, yeah.","start":626.59503,"end":629.395,"sentiment":"neutral","sentiment_score":0.18389874123609984},{"text":"I'm happy to see what this looks like, you can always just respond to the email, and then I can go and do that research for you in the back end because it does take about two weeks for me to put all the research together anyway.","start":629.395,"end":640.87,"sentiment":"positive","sentiment_score":0.3485811086411172},{"text":"Mhmm.","start":642.13,"end":642.63,"sentiment":"neutral","sentiment_score":0.030418992042541504}],"sentiment":"neutral","sentiment_score":0.2800632637210082,"num_words":69,"start":622.115,"end":642.63},{"sentences":[{"text":"Sorry.","start":643.17,"end":643.65,"sentiment":"neutral","sentiment_score":-0.02822725847363472},{"text":"Let me see here.","start":643.65,"end":645.19,"sentiment":"neutral","sentiment_score":-0.007788183633238077},{"text":"In two weeks' time, that would mean that daylight savings time is over, which is great.","start":645.49,"end":654.165,"sentiment":"neutral","sentiment_score":0.07500930165406317},{"text":"But now when is the best time for you, Lee?","start":654.625,"end":658.005,"sentiment":"neutral","sentiment_score":0.04112469647079706},{"text":"Tuesday, Wednesday.","start":663.2,"end":664.18,"sentiment":"neutral","sentiment_score":0.02082274667918682}],"sentiment":"neutral","sentiment_score":0.04829276640984145,"num_words":33,"start":643.17,"end":664.18},{"sentences":[{"text":"I am fully booked on the Wednesday, but I can do Tuesday the fourteenth at 4PM.","start":666.0,"end":670.42,"sentiment":"neutral","sentiment_score":0.04785705986432731},{"text":"Yeah.","start":671.92,"end":672.4,"sentiment":"neutral","sentiment_score":0.054096829146146774},{"text":"Would that work?","start":672.4,"end":673.3,"sentiment":"neutral","sentiment_score":0.08615052700042725},{"text":"Yep.","start":674.52496,"end":675.02496,"sentiment":"neutral","sentiment_score":0.2671622931957245},{"text":"Okay.","start":675.08496,"end":675.58496,"sentiment":"positive","sentiment_score":0.3589288890361786}],"sentiment":"neutral","sentiment_score":0.07747057046402585,"num_words":22,"start":666.0,"end":675.58496},{"sentences":[{"text":"Perfect.","start":675.64496,"end":676.14496,"sentiment":"positive","sentiment_score":0.5576468706130981},{"text":"Now I'll schedule that in for you.","start":676.52496,"end":679.08496,"sentiment":"neutral","sentiment_score":0.3332659218992506},{"text":"But like I said, I will send you the document with the SMA, just the concept of it.","start":679.08496,"end":684.065,"sentiment":"neutral","sentiment_score":0.14609660166833136},{"text":"Have a read through it.","start":684.20496,"end":685.5,"sentiment":"neutral","sentiment_score":0.05565548837184906},{"text":"If between now and the fourteenth, you read and you go, okay.","start":685.82,"end":690.38,"sentiment":"neutral","sentiment_score":0.10658643922458093}],"sentiment":"neutral","sentiment_score":0.16459446201144262,"num_words":43,"start":675.64496,"end":690.38},{"sentences":[{"text":"I am happy to look at it.","start":690.38,"end":692.8,"sentiment":"positive","sentiment_score":0.5559010250227792},{"text":"Just respond to my email because then I can start the research process because like I said, it will take about two weeks for me to put everything together anyway.","start":693.5,"end":702.15497,"sentiment":"neutral","sentiment_score":0.1572086550295353},{"text":"And if I do the research and the SMA does not put you in a better position, I cannot recommend it for you.","start":703.575,"end":711.355,"sentiment":"neutral","sentiment_score":-0.2777826760126197},{"text":"But at the same time, I wanna make sure that is something you're comfortable with because I have some clients that goes, yes.","start":711.815,"end":717.3,"sentiment":"neutral","sentiment_score":0.11344671119814334},{"text":"Fabulous.","start":717.3,"end":717.77997,"sentiment":"positive","sentiment_score":0.6394502520561218}],"sentiment":"neutral","sentiment_score":0.06508678437343665,"num_words":84,"start":690.38,"end":717.77997},{"sentences":[{"text":"That's great.","start":717.77997,"end":718.5,"sentiment":"positive","sentiment_score":0.5877241492271423},{"text":"I don't need to be involved in every investment decision.","start":718.5,"end":721.16,"sentiment":"neutral","sentiment_score":0.301630836725235},{"text":"It takes that away, and it means that you can quickly make changes, which is great.","start":721.62,"end":726.435,"sentiment":"positive","sentiment_score":0.4433006914332509},{"text":"But I also have some other clients that goes, no.","start":726.515,"end":728.675,"sentiment":"neutral","sentiment_score":0.04794082213193178},{"text":"Do you know what?","start":728.675,"end":729.235,"sentiment":"neutral","sentiment_score":-0.008726279716938734}],"sentiment":"neutral","sentiment_score":0.2792635912164336,"num_words":42,"start":717.77997,"end":729.235},{"sentences":[{"text":"I want to be completely involved in the whole process, and I would like to look at it, approve it before you make a change.","start":729.235,"end":736.055,"sentiment":"neutral","sentiment_score":0.30775958180427554},{"text":"So, ultimately, it is completely up to you what you are comfortable with.","start":736.195,"end":740.695,"sentiment":"neutral","sentiment_score":0.31977373590836156},{"text":"Because regardless of which way you decide you are comfortable with, I will still review the portfolio and look to see if we wanna change that along anyway.","start":740.94,"end":748.88,"sentiment":"neutral","sentiment_score":0.19567667533244407},{"text":"It's just whichever direction you are comfortable with just kind of determines which research pathway I go down.","start":749.34,"end":755.44,"sentiment":"neutral","sentiment_score":0.14577894202537006},{"text":"But I can always look at everything anyway.","start":755.665,"end":757.905,"sentiment":"neutral","sentiment_score":0.1333045121282339}],"sentiment":"neutral","sentiment_score":0.22848317472507124,"num_words":92,"start":729.235,"end":757.905},{"sentences":[{"text":"So I know it's a lot.","start":757.905,"end":759.605,"sentiment":"neutral","sentiment_score":0.10303684572378795},{"text":"So take your time to have a read over it.","start":760.145,"end":763.425,"sentiment":"neutral","sentiment_score":0.2309303730726242},{"text":"Like I said, if I don't hear from you, I will call you on Tuesday the fourteenth at four to kinda follow-up to see where your thoughts are.","start":763.425,"end":770.95,"sentiment":"neutral","sentiment_score":0.13754743284412793},{"text":"We can go through any questions and stuff like that.","start":770.95,"end":773.52997,"sentiment":"neutral","sentiment_score":0.22416605651378632},{"text":"But if you do read over it and you are happy to consider it, just respond to the email, and then I can start the process for you.","start":773.58997,"end":780.73,"sentiment":"positive","sentiment_score":0.3697521761059761}],"sentiment":"neutral","sentiment_score":0.2362631026928018,"num_words":82,"start":757.905,"end":780.73},{"sentences":[{"text":"Yeah.","start":782.16504,"end":782.66504,"sentiment":"neutral","sentiment_score":0.17826193571090698},{"text":"Perfect.","start":782.72504,"end":783.22504,"sentiment":"positive","sentiment_score":0.56675124168396},{"text":"Sorry, Lee.","start":784.005,"end":784.805,"sentiment":"positive","sentiment_score":0.5260445475578308},{"text":"The last thing I do need to check as well is just your income and your contributions.","start":784.805,"end":788.505,"sentiment":"neutral","sentiment_score":0.07189299100462128},{"text":"If I do need to go and do the research for you, which is I do have your office work income at about 63,180.","start":788.645,"end":798.28,"sentiment":"neutral","sentiment_score":0.053904672929396234}],"sentiment":"neutral","sentiment_score":0.09584433933099111,"num_words":45,"start":782.16504,"end":798.28},{"sentences":[{"text":"Is that correct?","start":798.34,"end":799.24005,"sentiment":"neutral","sentiment_score":0.053743364910284676},{"text":"Perfect.","start":800.5,"end":801.0,"sentiment":"positive","sentiment_score":0.4794556200504303},{"text":"And then also, you do as a sole trader working at a gym, as a PT, and a bookkeeper?","start":801.78,"end":810.2,"sentiment":"neutral","sentiment_score":0.07408089837745617},{"text":"Yep.","start":811.815,"end":812.135,"sentiment":"neutral","sentiment_score":0.10623103380203248},{"text":"Perfect.","start":812.135,"end":812.635,"sentiment":"neutral","sentiment_score":0.23390015959739685}],"sentiment":"neutral","sentiment_score":0.09553415909409523,"num_words":25,"start":798.34,"end":812.635},{"sentences":[{"text":"And you earn about 14,400 from that?","start":812.695,"end":816.15497,"sentiment":"neutral","sentiment_score":0.12467867348875318},{"text":"Yeah.","start":818.535,"end":819.035,"sentiment":"neutral","sentiment_score":0.02999536693096161},{"text":"Yeah.","start":820.295,"end":820.795,"sentiment":"neutral","sentiment_score":0.04281815141439438},{"text":"And on the sole trading business, do you pay yourself any contributions into Super, or is that just from your main office job?","start":821.095,"end":831.91003,"sentiment":"neutral","sentiment_score":0.01861706266746573},{"text":"Okay.","start":833.41003,"end":833.91003,"sentiment":"neutral","sentiment_score":0.26010626554489136}],"sentiment":"neutral","sentiment_score":0.04951099817161307,"num_words":33,"start":812.695,"end":833.91003},{"sentences":[{"text":"No.","start":834.13,"end":834.37006,"sentiment":"neutral","sentiment_score":0.3019981384277344},{"text":"That is perfect.","start":834.37006,"end":835.33,"sentiment":"positive","sentiment_score":0.5549781123797098},{"text":"That was everything I needed to check.","start":835.33,"end":837.17004,"sentiment":"positive","sentiment_score":0.4819431390081133},{"text":"So I will let you go, and enjoy the rest of your day.","start":837.17004,"end":841.11005,"sentiment":"positive","sentiment_score":0.6045200228691101},{"text":"Keep a look at for my email.","start":841.705,"end":843.40497,"sentiment":"neutral","sentiment_score":0.23760983028582164}],"sentiment":"positive","sentiment_score":0.4794375341265432,"num_words":31,"start":834.13,"end":843.40497},{"sentences":[{"text":"And like I said, if I don't hear from you, I will give you a call on Tuesday, April 14 at four 4PM, and we can continue the discussion and see what you what your thoughts are when you had time to read over it a little bit.","start":843.865,"end":855.96497,"sentiment":"neutral","sentiment_score":0.07738435726302366},{"text":"Yeah.","start":856.39,"end":856.89,"sentiment":"positive","sentiment_score":0.41022971272468567},{"text":"No problem at all, Lee.","start":859.75,"end":860.67,"sentiment":"positive","sentiment_score":0.6526977062225342},{"text":"I look forward to speaking with you soon again.","start":860.67,"end":862.64996,"sentiment":"positive","sentiment_score":0.7622063557306925},{"text":"Mhmm.","start":863.91,"end":864.41,"sentiment":"positive","sentiment_score":0.4202342927455902}],"sentiment":"neutral","sentiment_score":0.22919154510600492,"num_words":64,"start":843.865,"end":864.41},{"sentences":[{"text":"You too, Lee.","start":866.23,"end":867.11,"sentiment":"positive","sentiment_score":0.5075292984644572},{"text":"We'll speak soon.","start":867.11,"end":868.17,"sentiment":"positive","sentiment_score":0.33525174856185913},{"text":"Okay.","start":869.02997,"end":869.52997,"sentiment":"neutral","sentiment_score":0.14809775352478027},{"text":"Bye.","start":869.67,"end":870.17,"sentiment":"neutral","sentiment_score":0.13198554515838623}],"sentiment":"positive","sentiment_score":0.35105330497026443,"num_words":8,"start":866.23,"end":870.17}]}}]},{"alternatives":[{"transcript":"Hello. This is Lee. Good afternoon, Lee. Hi there. I'm good. Thanks. How are you? Yes. Yes. I've kind of got a few things on the go. That's okay. What is it? A long one? Yeah. Sure. Thank you. Yep. Mhmm. Thank you. Is it Snoopy? Thank you. Yes. I guess so. I'm yeah. I don't really understand a lot of it. I guess it's a it's a funny situation at the moment with everything going on too. Yes. Oh, that's great. Yeah. Yep. Yes. Yes. Thank you. Yep. No. No. I'm happy to do that. The only thing that may change over the next couple of years is someone was suggesting to us to do a self managed super fund. And Yes. Yes. Maybe. I do not know. Sorry. Right. Yes. I guess so. I don't yeah. I don't know. Sorry. At the moment. Do I do you have something to send through, like, for that so so I can have a bit more of a read about it? Have a Yeah. Maybe week not next week. Maybe the week after. Okay. Probably again at two Tuesday or Wednesday at 04:00. Okay. Yes. Thank you. Mhmm. Okay. Okay. Okay. Okay. No problem. Thank you. Yes. That would be right. Yes. I guess so. Yeah. 30. 40. Yes. They're just from the main ones. Thank you. Okay. Thank you very, very much. Thank you for your time. You too. Thanks, Veronica. Have a lovely long weekend. Later. Bye. Bye. 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Snoopy?","start":66.49,"end":67.39,"sentiment":"neutral","sentiment_score":0.029694039995471638}],"sentiment":"neutral","sentiment_score":0.12908383107019794,"num_words":9,"start":46.375,"end":67.39},{"sentences":[{"text":"Thank you.","start":68.965004,"end":70.505005,"sentiment":"neutral","sentiment_score":0.31123919785022736},{"text":"Yes.","start":89.490005,"end":89.89,"sentiment":"neutral","sentiment_score":0.007563586346805096},{"text":"I guess so.","start":89.89,"end":90.93,"sentiment":"neutral","sentiment_score":-0.013428682461380959},{"text":"I'm yeah.","start":90.93,"end":92.87,"sentiment":"neutral","sentiment_score":-0.0708175003528595},{"text":"I don't really understand a lot of it.","start":93.170006,"end":95.51,"sentiment":"neutral","sentiment_score":-0.27598607912659645}],"sentiment":"neutral","sentiment_score":-0.10998548119096085,"num_words":16,"start":68.965004,"end":95.51},{"sentences":[{"text":"I guess it's a it's a funny situation at the moment with everything going on too.","start":95.775,"end":100.995,"sentiment":"neutral","sentiment_score":-0.1973369149491191},{"text":"Yes.","start":101.935,"end":102.435,"sentiment":"neutral","sentiment_score":-0.03228405490517616},{"text":"Oh, that's great.","start":151.31,"end":152.37,"sentiment":"positive","sentiment_score":0.6250992218653361},{"text":"Yeah.","start":159.355,"end":159.855,"sentiment":"neutral","sentiment_score":0.3095219135284424},{"text":"Yep.","start":172.68,"end":173.18,"sentiment":"neutral","sentiment_score":0.06346653401851654}],"sentiment":"neutral","sentiment_score":-0.04279039004309611,"num_words":22,"start":95.775,"end":173.18},{"sentences":[{"text":"Yes.","start":268.445,"end":268.945,"sentiment":"neutral","sentiment_score":0.3261672258377075},{"text":"Yes.","start":286.05002,"end":286.45,"sentiment":"neutral","sentiment_score":0.28626957535743713},{"text":"Thank you.","start":286.45,"end":287.27002,"sentiment":"positive","sentiment_score":0.4642687439918518},{"text":"Yep.","start":335.02002,"end":335.52002,"sentiment":"neutral","sentiment_score":0.2154829502105713},{"text":"No.","start":356.345,"end":356.66498,"sentiment":"neutral","sentiment_score":-0.14612719416618347}],"sentiment":"neutral","sentiment_score":0.26838834087053937,"num_words":6,"start":268.445,"end":356.66498},{"sentences":[{"text":"No.","start":356.66498,"end":356.985,"sentiment":"neutral","sentiment_score":-0.16455413401126862},{"text":"I'm happy to do that.","start":356.985,"end":358.525,"sentiment":"neutral","sentiment_score":-0.13685392439365388},{"text":"The only thing that may change over the next couple of years is someone was suggesting to us to do a self managed super fund.","start":358.78998,"end":368.00998,"sentiment":"neutral","sentiment_score":0.03697859957814217},{"text":"And Yes.","start":369.50998,"end":374.70502,"sentiment":"neutral","sentiment_score":0.058421754278242595},{"text":"Yes.","start":387.965,"end":388.465,"sentiment":"positive","sentiment_score":0.41480234265327454}],"sentiment":"neutral","sentiment_score":0.017861384843640467,"num_words":34,"start":356.66498,"end":388.465},{"sentences":[{"text":"Maybe.","start":399.75,"end":400.25,"sentiment":"neutral","sentiment_score":-0.012787473388016224},{"text":"I do not know.","start":400.31,"end":401.51,"sentiment":"neutral","sentiment_score":-0.032100322656333447},{"text":"Sorry.","start":401.51,"end":402.01,"sentiment":"neutral","sentiment_score":-0.06959683448076248},{"text":"Right.","start":428.20502,"end":428.70502,"sentiment":"neutral","sentiment_score":0.09655499458312988},{"text":"Yes.","start":495.58,"end":496.08,"sentiment":"neutral","sentiment_score":0.24119724333286283}],"sentiment":"neutral","sentiment_score":0.015870829927735027,"num_words":8,"start":399.75,"end":496.08},{"sentences":[{"text":"I guess so.","start":565.37,"end":570.075,"sentiment":"neutral","sentiment_score":-0.004047106330593427},{"text":"I don't yeah.","start":570.075,"end":571.115,"sentiment":"neutral","sentiment_score":-0.14083043237527212},{"text":"I don't know.","start":571.115,"end":572.015,"sentiment":"neutral","sentiment_score":-0.15078705549240112},{"text":"Sorry.","start":572.075,"end":572.555,"sentiment":"neutral","sentiment_score":-0.14840275049209595},{"text":"At the moment.","start":572.555,"end":573.295,"sentiment":"neutral","sentiment_score":-0.06116515646378199}],"sentiment":"neutral","sentiment_score":-0.09376092326755707,"num_words":13,"start":565.37,"end":573.295},{"sentences":[{"text":"Do I do you have something to send through, like, for that so so I can have a bit more of a read about it?","start":591.45,"end":598.475,"sentiment":"neutral","sentiment_score":0.08785572156310081},{"text":"Have a Yeah.","start":599.095,"end":621.27496,"sentiment":"neutral","sentiment_score":0.09796929359436035},{"text":"Maybe week not next week.","start":621.33496,"end":623.25494,"sentiment":"neutral","sentiment_score":0.0033776354044675826},{"text":"Maybe the week after.","start":623.25494,"end":624.475,"sentiment":"neutral","sentiment_score":-0.0010414454154670238},{"text":"Okay.","start":641.55,"end":642.05,"sentiment":"neutral","sentiment_score":0.04889431223273277}],"sentiment":"neutral","sentiment_score":0.067155727038258,"num_words":38,"start":591.45,"end":642.05},{"sentences":[{"text":"Probably again at two Tuesday or Wednesday at 04:00.","start":659.075,"end":663.015,"sentiment":"neutral","sentiment_score":0.021726383517185848},{"text":"Okay.","start":670.93,"end":671.43,"sentiment":"neutral","sentiment_score":0.051149994134902954},{"text":"Yes.","start":673.73004,"end":674.21,"sentiment":"neutral","sentiment_score":0.150717094540596},{"text":"Thank you.","start":674.21,"end":675.03,"sentiment":"positive","sentiment_score":0.37422607839107513},{"text":"Mhmm.","start":684.505,"end":685.005,"sentiment":"neutral","sentiment_score":0.047421373426914215}],"sentiment":"neutral","sentiment_score":0.08523414789565972,"num_words":14,"start":659.075,"end":685.005},{"sentences":[{"text":"Okay.","start":711.975,"end":712.475,"sentiment":"neutral","sentiment_score":0.012040037661790848},{"text":"Okay.","start":736.68,"end":737.18,"sentiment":"positive","sentiment_score":0.3614230751991272},{"text":"Okay.","start":755.91,"end":756.41,"sentiment":"neutral","sentiment_score":0.15483742952346802},{"text":"Okay.","start":781.44,"end":781.94,"sentiment":"neutral","sentiment_score":0.1636594533920288},{"text":"No problem.","start":782.07996,"end":782.89996,"sentiment":"neutral","sentiment_score":0.28503458201885223}],"sentiment":"neutral","sentiment_score":0.21033819330235323,"num_words":6,"start":711.975,"end":782.89996},{"sentences":[{"text":"Thank you.","start":784.07996,"end":784.89996,"sentiment":"positive","sentiment_score":0.49885037541389465},{"text":"Yes.","start":799.555,"end":799.875,"sentiment":"neutral","sentiment_score":0.18540716171264648},{"text":"That would be right.","start":799.875,"end":801.095,"sentiment":"neutral","sentiment_score":0.3261822760105133},{"text":"Yes.","start":816.73,"end":817.05,"sentiment":"neutral","sentiment_score":0.07654787600040436},{"text":"I guess so.","start":817.05,"end":817.93,"sentiment":"neutral","sentiment_score":0.07884620626767476}],"sentiment":"neutral","sentiment_score":0.2546294101259925,"num_words":11,"start":784.07996,"end":817.93},{"sentences":[{"text":"Yeah.","start":817.93,"end":818.41,"sentiment":"neutral","sentiment_score":0.04754579812288284},{"text":"30.","start":818.41,"end":818.91,"sentiment":"neutral","sentiment_score":0.02986384928226471},{"text":"40.","start":819.05,"end":819.55,"sentiment":"neutral","sentiment_score":0.02843419089913368},{"text":"Yes.","start":820.855,"end":821.355,"sentiment":"neutral","sentiment_score":0.047927964478731155},{"text":"They're just from the main ones.","start":831.335,"end":833.015,"sentiment":"neutral","sentiment_score":0.012104527403910955}],"sentiment":"neutral","sentiment_score":0.022639896720647812,"num_words":10,"start":817.93,"end":833.015},{"sentences":[{"text":"Thank you.","start":833.015,"end":833.835,"sentiment":"positive","sentiment_score":0.4433859586715698},{"text":"Okay.","start":856.285,"end":856.785,"sentiment":"neutral","sentiment_score":0.2635079622268677},{"text":"Thank you very, very much.","start":856.845,"end":858.285,"sentiment":"positive","sentiment_score":0.7974606990814209},{"text":"Thank you for your time.","start":858.285,"end":859.585,"sentiment":"positive","sentiment_score":0.7646690011024475},{"text":"You too.","start":862.925,"end":863.405,"sentiment":"positive","sentiment_score":0.4947219640016556}],"sentiment":"positive","sentiment_score":0.6633581538995107,"num_words":15,"start":833.015,"end":863.405},{"sentences":[{"text":"Thanks, Veronica.","start":863.405,"end":864.285,"sentiment":"positive","sentiment_score":0.6113731861114502},{"text":"Have a lovely long weekend.","start":864.285,"end":865.745,"sentiment":"positive","sentiment_score":0.7623452305793762},{"text":"Later.","start":867.85095,"end":868.35095,"sentiment":"neutral","sentiment_score":0.2121041715145111},{"text":"Bye.","start":868.8109,"end":869.3109,"sentiment":"neutral","sentiment_score":0.18402054905891416},{"text":"Bye.","start":869.371,"end":869.871,"sentiment":"neutral","sentiment_score":0.1405293494462967}],"sentiment":"positive","sentiment_score":0.5571126595139504,"num_words":10,"start":863.405,"end":869.871},{"sentences":[{"text":"Bye.","start":870.41095,"end":870.91095,"sentiment":"neutral","sentiment_score":-0.12290140986442566}],"sentiment":"neutral","sentiment_score":-0.12290140986442566,"num_words":1,"start":870.41095,"end":870.91095}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Lee.\n\nChannel 0: Good\n\nChannel 1: Good\n\nChannel 0: afternoon,\n\nChannel 1: afternoon,\n\nChannel 0: Lee. This\n\nChannel 1: Lee.\n\nChannel 0: is Veronica from Achieve Financial. How are you this afternoon?\n\nChannel 1: Hi there. I'm good. Thanks. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in for a little bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yes. Yes. I've kind of got a few things on the go.\n\nChannel 0: If not, I can definitely reschedule for a more suitable time. If you are a bit short for time today, that is no problem.\n\nChannel 1: That's okay. What is it? A long one?\n\nChannel 0: No. Probably I can probably depending on, obviously, how many questions and stuff you have, but I can probably make it in maybe, like, fifteen. I can do it as quickly as I can.\n\nChannel 1: Yeah. Sure. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: That\n\nChannel 1: Yep.\n\nChannel 0: no. That's okay. Now, Lee, just before I do go any further, I just need to let you know that calls are being recorded for quality and coaching purposes, if that's okay. Perfect.\n\nChannel 1: Mhmm. Thank\n\nChannel 0: And\n\nChannel 1: you.\n\nChannel 0: just to confirm I am speaking with the right person, I do have a password on file. Do you know where that might be?\n\nChannel 1: Is it Snoopy?\n\nChannel 0: Yeah. That's the one.\n\nChannel 1: Thank you.\n\nChannel 0: Now, Lee, I have you booked in. I know you had your interview not too long ago with my colleague. And from that conversation, you wanted to be booked in with an adviser to talk a bit more about your performance on your super. Is that correct?\n\nChannel 1: Yes. I guess so. I'm\n\nChannel 0: Yeah. Yes.\n\nChannel 1: yeah. I don't really understand a lot of it. I guess it's a it's a funny situation at the moment with everything going on too.\n\nChannel 0: Yes.\n\nChannel 1: Yes.\n\nChannel 0: There are obviously a lot happening in the world. In the last twelve months, we have seen, you know, quite a bit of fluctuations in in the market and in the world. First, you obviously had Trump and tariffs and everything in The US, and then more recently, everything, the war and everything that's going on. So we have seen quite a bit of fluctuations in the market. But with that, though, your portfolio has actually hold up really well.\n\nSo in the last twelve months, which I believe you guys went through over the annual review, but, basically, in the last twelve months now, this is all after fees, and that is obviously despite all the fluctuations and everything at the moment. Your portfolio has still gone up by 8.18%,\n\nChannel 1: Oh, that's\n\nChannel 0: which is actually,\n\nChannel 1: great.\n\nChannel 0: yeah, which is which is really good considering everything that's going on as well.\n\nChannel 1: Yeah.\n\nChannel 0: So, overall, the portfolio has held up really well. There is one investment that I probably would be inclined to look to switch out for you, which I can\n\nChannel 1: Yep.\n\nChannel 0: do a bit more research on, which is the Benelon Australian Equity. So that one investment has underperformed. Some of your other investment have done really well, which is kind of, I guess, negated that one a little bit. So the Bennelong is down about 18%, but then you have some other ones that's up, like, 78, one that's up 32. So that kind of negates that a little bit.\n\nBut, basically, the Bennelong investment, it was added to your portfolio when you came on board because it was doing really well. It was one of the best performing fund managers at the time, and the purpose of the Bennelong investment is to give you a bit bit more of an active approach. So the function of it is for them to actively buy and sell investments in order to try and outperform the market. And like I said, they had done that very well. More recently, they have underperformed a little bit.\n\nThey've been a little bit slower in making changes. And one of the other factors in that one investment being down is that one of the companies that they were invested in was the Corporate Travel Group. I'm not sure if you heard about them, but, essentially, they had a bit of issues with their reporting, which basically saw that they had to suspend trading, which meant that everything fell down a little bit. So, overall, like I said, your portfolio has done really well considering today's market condition, but I would like\n\nChannel 1: Yes.\n\nChannel 0: to do a bit more research on just that one investment for you to see if, you know, we should potentially look at swapping that one for something else to make sure that we have you in the most optimal position and the investment that's going to do the best for you. Are you happy for me to do that?\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Yeah. Great. Now at the moment, we have your portfolio in a high growth portfolio. So typically speaking, time frame wise, we do allow at least eight years until retirement, making sure you have enough time in the market for those fluctuations. You will see a little bit of fluctuations in the short term in a high growth portfolio, but then long term, their goal is to tryna maximize that growth as much as possible.\n\nAnd, speaking, we see about 90% or so of the investment in what we would call your growth investment. So that will be, like, your international shares, your Australian shares, property, and commodities. And that is what's\n\nChannel 1: Yep.\n\nChannel 0: going to grow your superannuation. And then we do have about 10 in more defensive investments like your cash, your gold, your fixed interest. Nelly, are you still comfortable seeing you know, staying in a high growth portfolio, seeing a bit of those fluctuations, or has your risk tolerance or anything changed at all?\n\nChannel 1: No. No. I'm happy to\n\nChannel 0: No.\n\nChannel 1: do that.\n\nChannel 0: Happy\n\nChannel 1: The\n\nChannel 0: to\n\nChannel 1: only\n\nChannel 0: do\n\nChannel 1: thing\n\nChannel 0: that.\n\nChannel 1: that may change over the next couple of years is someone was suggesting to us to do a self managed super fund.\n\nChannel 0: Okay. And\n\nChannel 1: And\n\nChannel 0: is that was that the purpose of buying a profit investment property?\n\nChannel 1: Yes.\n\nChannel 0: Yep. No. That's okay. I'll make a little note of that for you. That is no problem.\n\nBut at the moment, quite happy with the way things are going and\n\nChannel 1: Yes.\n\nChannel 0: growing that other way. Yeah. No. That's no problem. Now the I do wanna check with you as well.\n\nHave you read our recent newsletter at all by any chance?\n\nChannel 1: Maybe. I do not know. Sorry.\n\nChannel 0: No. That's okay. The reason I do ask is while I am reviewing your super investment, I wanted to check with you on a bit of a new change that we've recently done. So we've recently merged or partnered up with BlackRock, which is one of the you may have heard of them, but one of the biggest fund managers in the world, actually. And we've partnered up with them to create our own SMA.\n\nChannel 1: Right.\n\nChannel 0: So an SMA is called a self managed account. So how it's slightly different to the way that your super is currently set up in Hub twenty four is that you have what we would call, like, your model portfolio. So you will have each and every single one of those investment listed in Hub twenty four for you. Now if we wanna go and make a change, so for example, Bennelong, we would obviously go do all the research. We would have to prepare from a compliance point and everything like that.\n\nAnd to make sure you're fully aware, we have to prepare everything in a new statement of advice. For a sense that to you, you would have to sign and agree to the change before we can actually go and make a change. So there's a a bit more of, like, a the compliance side of it. It gives you full control of any changes before we do make it. But at the same time, because that process does take a couple of weeks sometimes, it can obviously a little bit hard with with timing things because sometimes you do wanna make a change quite quickly before things do change too much.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: the function with the SMA is that it allows us to do that very quickly. So how it's different is you can still have it in Hub twenty four if that's that's good is that you would invest in a portfolio. Now you can still have a high growth portfolio focusing on all of that. It's still kind of a similar investment philosophy, but you would just be invested in that portfolio and then still have all the underlying investment. But what it basically allows us to do is that we can then quickly swap something for you.\n\nSo we can still let you know of the changes afterwards when we've made it, but it means that you don't have to go through the whole, present the strategy, approve it, agree to it before we can make a change, which speeds up the process when there is a bit of, you know, fluctuations and uncertainty in the market. But it allows us to make changes very quickly. And by partnering up with BlackRock, we obviously utilize all their expertise and knowledge along with our in house investment committee. Is that something that you are open to, or do you prefer the way things are structured right now?\n\nChannel 1: I guess so.\n\nChannel 0: It's\n\nChannel 1: I don't\n\nChannel 0: ultimately\n\nChannel 1: yeah. I don't know. Sorry.\n\nChannel 0: no. It's\n\nChannel 1: At the moment.\n\nChannel 0: alt no. That's okay. Ultimately, it's completely up to you what you are comfortable with. If it is something that you are like, okay. Well, I'm happy to see what it looks like.\n\nI would still have to go and do all the research for you, put together a strategy, and I have to make sure it's still in your best interest and in the put you in a better position. So if I\n\nChannel 1: Do\n\nChannel 0: do\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: do\n\nChannel 0: research\n\nChannel 1: you have something to send\n\nChannel 0: mhmm.\n\nChannel 1: through, like,\n\nChannel 0: Yes.\n\nChannel 1: for that so\n\nChannel 0: Yeah.\n\nChannel 1: so\n\nChannel 0: Of\n\nChannel 1: I\n\nChannel 0: course\n\nChannel 1: can\n\nChannel 0: I\n\nChannel 1: have\n\nChannel 0: do.\n\nChannel 1: a bit more of a read about it?\n\nChannel 0: Yeah.\n\nChannel 1: Have a\n\nChannel 0: So what I can do for you is I can send you an email with the the bit of the SMA. You can have a bit of a read over it as think about it. Now if you would like me to book in a bit of a follow-up sometime next week to see what your thoughts are, I'm more than happy to do so.\n\nChannel 1: Yeah. Maybe week\n\nChannel 0: Would that\n\nChannel 1: not\n\nChannel 0: be\n\nChannel 1: next week. Maybe the week after.\n\nChannel 0: yeah. Let us do that. And if you do have a read over it and you go, yeah. I'm happy to see what this looks like, you can always just respond to the email, and then I can go and do that research for you in the back end because it does take about two weeks for me to put all the research together anyway.\n\nChannel 1: Okay.\n\nChannel 0: Mhmm. Sorry. Let me see here. In two weeks' time, that would mean that daylight savings time is over, which is great. But now when is the best time for you, Lee?\n\nChannel 1: Probably again at two Tuesday or Wednesday at 04:00.\n\nChannel 0: Tuesday, Wednesday. I am fully booked on the Wednesday, but I can do Tuesday the fourteenth at 4PM.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Would that work?\n\nChannel 1: Yes. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Okay. Perfect. Now I'll schedule that in for you. But like I said, I will send you the document with the SMA, just the concept of it. Have\n\nChannel 1: Mhmm.\n\nChannel 0: a read through it. If between now and the fourteenth, you read and you go, okay. I am happy to look at it. Just respond to my email because then I can start the research process because like I said, it will take about two weeks for me to put everything together anyway. And if I do the research and the SMA does not put you in a better position, I cannot recommend it for you.\n\nBut\n\nChannel 1: Okay.\n\nChannel 0: at the same time, I wanna make sure that is something you're comfortable with because I have some clients that goes, yes. Fabulous. That's great. I don't need to be involved in every investment decision. It takes that away, and it means that you can quickly make changes, which is great.\n\nBut I also have some other clients that goes, no. Do you know what? I want to be completely involved in the whole process, and I would like to look at it, approve it before you make a change. So, ultimately,\n\nChannel 1: Okay.\n\nChannel 0: it is completely up to you what you are comfortable with. Because regardless of which way you decide you are comfortable with, I will still review the portfolio and look to see if we wanna change that along anyway. It's just whichever direction you are comfortable with just kind of determines which research pathway I go down. But I\n\nChannel 1: Okay.\n\nChannel 0: can always look at everything anyway. So I know it's a lot. So take your time to have a read over it. Like I said, if I don't hear from you, I will call you on Tuesday the fourteenth at four to kinda follow-up to see where your thoughts are. We can go through any questions and stuff like that.\n\nBut if you do read over it and you are happy to consider it, just respond to the email, and then I can start the process for you.\n\nChannel 1: Okay. No\n\nChannel 0: Yeah.\n\nChannel 1: problem.\n\nChannel 0: Perfect. Sorry,\n\nChannel 1: Thank\n\nChannel 0: Lee.\n\nChannel 1: you.\n\nChannel 0: The last thing I do need to check as well is just your income and your contributions. If I do need to go and do the research for you, which is I do have your office work income at about 63,180. Is that correct?\n\nChannel 1: Yes. That would be\n\nChannel 0: Perfect.\n\nChannel 1: right.\n\nChannel 0: And then also, you do as a sole trader working at a gym, as a PT, and a bookkeeper? Yep. Perfect. And you earn about 14,400 from that?\n\nChannel 1: Yes. I guess so. Yeah. 30.\n\nChannel 0: Yeah.\n\nChannel 1: 40.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: And on the sole trading business, do you pay yourself any contributions into Super, or is that just from your main office\n\nChannel 1: They're\n\nChannel 0: job?\n\nChannel 1: just from the main ones. Thank you.\n\nChannel 0: Okay. No. That is perfect. That was everything I needed to check. So I will let you go, and enjoy the rest of your day.\n\nKeep a look at for my email. And like I said, if I don't hear from you, I will give you a call on Tuesday, April 14 at four 4PM, and we can continue the discussion and see what you what your thoughts are when you had time to read over it a little bit.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you very, very much. Thank you for your time.\n\nChannel 0: No problem at all, Lee. I look forward to speaking with you soon again.\n\nChannel 1: You too. Thanks, Veronica.\n\nChannel 0: Mhmm.\n\nChannel 1: Have a lovely long weekend.\n\nChannel 0: You too, Lee. We'll speak soon.\n\nChannel 1: Later. Bye.\n\nChannel 0: Okay.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.05444474518299103},{"text":"This is 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Veronica from Achieve Financial.","start":4.24,"end":6.08,"sentiment":"neutral","sentiment_score":0.22758243680000306},{"text":"How are you this afternoon?","start":6.08,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.24950571060180665}],"sentiment":"neutral","sentiment_score":0.23854407370090486,"channel":0,"num_words":10,"start":4.24,"end":7.2999997},{"sentences":[{"text":"Hi there.","start":7.8399997,"end":8.32,"sentiment":"positive","sentiment_score":0.3761134743690491},{"text":"I'm good.","start":8.32,"end":8.88,"sentiment":"positive","sentiment_score":0.593023270368576},{"text":"Thanks.","start":8.88,"end":9.2,"sentiment":"positive","sentiment_score":0.6922558546066284},{"text":"How are you?","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.4231724838415782}],"sentiment":"positive","sentiment_score":0.48750584945082664,"channel":1,"num_words":8,"start":7.8399997,"end":10.0199995},{"sentences":[{"text":"I'm good.","start":10.48,"end":11.28,"sentiment":"positive","sentiment_score":0.505408838391304},{"text":"Thanks.","start":11.28,"end":11.78,"sentiment":"positive","sentiment_score":0.5767257213592529},{"text":"I had you booked in for a little bit of a catch up.","start":12.895,"end":15.8550005,"sentiment":"neutral","sentiment_score":0.2867770366943799},{"text":"Is now still a good time for you?","start":15.8550005,"end":17.475,"sentiment":"neutral","sentiment_score":0.277738980948925}],"sentiment":"neutral","sentiment_score":0.31406486344834167,"channel":0,"num_words":24,"start":10.48,"end":17.475},{"sentences":[{"text":"Yes.","start":18.455,"end":18.775,"sentiment":"neutral","sentiment_score":0.11226192116737366},{"text":"Yes.","start":18.775,"end":19.175,"sentiment":"neutral","sentiment_score":0.12237420678138732},{"text":"I've kind of got a few things on the go.","start":19.175,"end":21.595,"sentiment":"neutral","sentiment_score":0.09157947227358817}],"sentiment":"neutral","sentiment_score":0.09586923755705357,"channel":1,"num_words":12,"start":18.455,"end":21.595},{"sentences":[{"text":"If not, I can definitely reschedule for a more suitable time.","start":22.415,"end":26.09,"sentiment":"neutral","sentiment_score":0.15426042405041782},{"text":"If you are a bit short for time today, that is no problem.","start":26.09,"end":29.47,"sentiment":"neutral","sentiment_score":0.12235177193696682}],"sentiment":"neutral","sentiment_score":0.13697657082229853,"channel":0,"num_words":24,"start":22.415,"end":29.47},{"sentences":[{"text":"That's okay.","start":29.9,"end":30.539999,"sentiment":"neutral","sentiment_score":0.14939093589782715},{"text":"What is it?","start":30.539999,"end":31.439999,"sentiment":"neutral","sentiment_score":0.003834543439249197},{"text":"A long one?","start":31.66,"end":34.16,"sentiment":"neutral","sentiment_score":-0.015755360014736652}],"sentiment":"neutral","sentiment_score":0.03287742775864899,"channel":1,"num_words":8,"start":29.9,"end":34.16},{"sentences":[{"text":"No.","start":35.21,"end":35.61,"sentiment":"neutral","sentiment_score":-0.04281921684741974},{"text":"Probably I can probably depending on, obviously, how many questions and stuff you have, but I can probably make it in maybe, like, fifteen.","start":35.61,"end":43.614998,"sentiment":"neutral","sentiment_score":-0.01962112938053906},{"text":"I can do it as quickly as I can.","start":43.614998,"end":45.235,"sentiment":"neutral","sentiment_score":0.02249561498562495}],"sentiment":"neutral","sentiment_score":-0.009154876091462724,"channel":0,"num_words":34,"start":35.21,"end":45.235},{"sentences":[{"text":"Yeah.","start":45.335,"end":45.655,"sentiment":"neutral","sentiment_score":0.0823441818356514},{"text":"Sure.","start":45.655,"end":46.155,"sentiment":"neutral","sentiment_score":0.1331261396408081},{"text":"Thank","start":46.375,"end":46.695,"sentiment":"neutral","sentiment_score":0.22447405755519867}],"sentiment":"neutral","sentiment_score":0.14664812634388605,"channel":1,"num_words":3,"start":45.335,"end":46.695},{"sentences":[{"text":"Yeah.","start":46.415,"end":46.735,"sentiment":"neutral","sentiment_score":0.1762070655822754}],"sentiment":"neutral","sentiment_score":0.1762070655822754,"channel":0,"num_words":1,"start":46.415,"end":46.735},{"sentences":[{"text":"you.","start":46.695,"end":47.195,"sentiment":"neutral","sentiment_score":0.19468045234680176}],"sentiment":"neutral","sentiment_score":0.19468045234680176,"channel":1,"num_words":1,"start":46.695,"end":47.195},{"sentences":[{"text":"That","start":46.735,"end":46.975,"sentiment":"neutral","sentiment_score":0.12810105085372925}],"sentiment":"neutral","sentiment_score":0.12810105085372925,"channel":0,"num_words":1,"start":46.735,"end":46.975},{"sentences":[{"text":"Yep.","start":47.255,"end":47.755,"sentiment":"neutral","sentiment_score":0.09134998172521593}],"sentiment":"neutral","sentiment_score":0.09134998172521593,"channel":1,"num_words":1,"start":47.255,"end":47.755},{"sentences":[{"text":"no.","start":47.455,"end":47.775,"sentiment":"neutral","sentiment_score":0.04435428977012634},{"text":"That's okay.","start":47.775,"end":48.595,"sentiment":"neutral","sentiment_score":0.08588690310716629},{"text":"Now, Lee, just before I do go any further, I just need to let you know that calls are being recorded for quality and coaching purposes, if that's okay.","start":49.614998,"end":56.51,"sentiment":"neutral","sentiment_score":0.05773618534721177},{"text":"Perfect.","start":58.09,"end":58.59,"sentiment":"neutral","sentiment_score":0.3098374605178833}],"sentiment":"neutral","sentiment_score":0.06667621004762071,"channel":0,"num_words":33,"start":47.455,"end":58.59},{"sentences":[{"text":"Mhmm.","start":58.329998,"end":58.489998,"sentiment":"neutral","sentiment_score":0.12069310247898102},{"text":"Thank","start":58.489998,"end":58.809998,"sentiment":"neutral","sentiment_score":0.30193406343460083}],"sentiment":"neutral","sentiment_score":0.21131358295679092,"channel":1,"num_words":2,"start":58.329998,"end":58.809998},{"sentences":[{"text":"And","start":58.73,"end":59.23,"sentiment":"neutral","sentiment_score":0.2348586916923523}],"sentiment":"neutral","sentiment_score":0.2348586916923523,"channel":0,"num_words":1,"start":58.73,"end":59.23},{"sentences":[{"text":"you.","start":58.809998,"end":59.309998,"sentiment":"neutral","sentiment_score":0.13954070210456848}],"sentiment":"neutral","sentiment_score":0.13954070210456848,"channel":1,"num_words":1,"start":58.809998,"end":59.309998},{"sentences":[{"text":"just to confirm I am speaking with the right person, I do have a password on file.","start":59.77,"end":64.01,"sentiment":"neutral","sentiment_score":0.09950616561314639},{"text":"Do you know where that might be?","start":64.01,"end":65.47,"sentiment":"neutral","sentiment_score":0.04470486326941422}],"sentiment":"neutral","sentiment_score":0.08352245242955784,"channel":0,"num_words":24,"start":59.77,"end":65.47},{"sentences":[{"text":"Is it Snoopy?","start":66.49,"end":67.39,"sentiment":"neutral","sentiment_score":0.029694039995471638}],"sentiment":"neutral","sentiment_score":0.029694039995471638,"channel":1,"num_words":3,"start":66.49,"end":67.39},{"sentences":[{"text":"Yeah.","start":67.994995,"end":68.315,"sentiment":"neutral","sentiment_score":0.06462672352790833},{"text":"That's the one.","start":68.315,"end":69.295,"sentiment":"neutral","sentiment_score":0.11796694248914719}],"sentiment":"neutral","sentiment_score":0.10463188774883747,"channel":0,"num_words":4,"start":67.994995,"end":69.295},{"sentences":[{"text":"Thank you.","start":68.965004,"end":70.505005,"sentiment":"neutral","sentiment_score":0.31123919785022736}],"sentiment":"neutral","sentiment_score":0.31123919785022736,"channel":1,"num_words":2,"start":68.965004,"end":70.505005},{"sentences":[{"text":"Now, Lee, I have you booked in.","start":71.755,"end":74.015,"sentiment":"neutral","sentiment_score":0.08133416995406151},{"text":"I know you had your interview not too long ago with my colleague.","start":74.315,"end":78.634995,"sentiment":"neutral","sentiment_score":0.06744723509137447},{"text":"And from that conversation, you wanted to be booked in with an adviser to talk a bit more about your performance on your 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so.","start":89.89,"end":90.93,"sentiment":"neutral","sentiment_score":-0.013428682461380959},{"text":"I'm","start":90.93,"end":91.43,"sentiment":"neutral","sentiment_score":-0.03138972073793411}],"sentiment":"neutral","sentiment_score":-0.012822436355054378,"channel":1,"num_words":5,"start":89.490005,"end":91.43},{"sentences":[{"text":"Yeah.","start":91.45,"end":91.95,"sentiment":"neutral","sentiment_score":-0.02714177407324314},{"text":"Yes.","start":92.265,"end":92.765,"sentiment":"neutral","sentiment_score":-0.05957167595624924}],"sentiment":"neutral","sentiment_score":-0.04335672501474619,"channel":0,"num_words":2,"start":91.45,"end":92.765},{"sentences":[{"text":"yeah.","start":92.37,"end":92.87,"sentiment":"neutral","sentiment_score":-0.11024527996778488},{"text":"I don't really understand a lot of it.","start":93.170006,"end":95.51,"sentiment":"neutral","sentiment_score":-0.27598607912659645},{"text":"I guess it's a it's a funny situation at the moment with everything going on too.","start":95.775,"end":100.995,"sentiment":"neutral","sentiment_score":-0.1973369149491191}],"sentiment":"neutral","sentiment_score":-0.2190209820866585,"channel":1,"num_words":25,"start":92.37,"end":100.995},{"sentences":[{"text":"Yes.","start":101.305,"end":101.805,"sentiment":"neutral","sentiment_score":-0.03301500901579857}],"sentiment":"neutral","sentiment_score":-0.03301500901579857,"channel":0,"num_words":1,"start":101.305,"end":101.805},{"sentences":[{"text":"Yes.","start":101.935,"end":102.435,"sentiment":"neutral","sentiment_score":-0.03228405490517616}],"sentiment":"neutral","sentiment_score":-0.03228405490517616,"channel":1,"num_words":1,"start":101.935,"end":102.435},{"sentences":[{"text":"There are obviously a lot happening in the world.","start":102.025,"end":104.425,"sentiment":"neutral","sentiment_score":-0.06689214126931296},{"text":"In the last twelve months, we have seen, you know, quite a bit of fluctuations in in the market and in the 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obviously despite all the fluctuations and everything at the moment.","start":130.44499,"end":145.31,"sentiment":"neutral","sentiment_score":0.09615313019170317},{"text":"Your portfolio has still gone up by 8.18%,","start":146.09,"end":150.59,"sentiment":"positive","sentiment_score":0.39513394981622696}],"sentiment":"neutral","sentiment_score":0.1430520822896677,"channel":0,"num_words":51,"start":130.44499,"end":150.59},{"sentences":[{"text":"Oh, that's","start":151.31,"end":151.87,"sentiment":"positive","sentiment_score":0.558692991733551}],"sentiment":"positive","sentiment_score":0.558692991733551,"channel":1,"num_words":2,"start":151.31,"end":151.87},{"sentences":[{"text":"which is 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Bennelong is down about 18%, but then you have some other ones that's up, like, 78, one that's up 32.","start":188.015,"end":198.93001,"sentiment":"neutral","sentiment_score":-0.029040066747587513},{"text":"So that kind of negates that a little bit.","start":199.31,"end":201.79001,"sentiment":"neutral","sentiment_score":-0.10160684833923976}],"sentiment":"neutral","sentiment_score":-0.023099968120056602,"channel":0,"num_words":70,"start":172.82,"end":201.79001},{"sentences":[{"text":"But, basically, the Bennelong investment, it was added to your portfolio when you came on board because it was doing really well.","start":201.79001,"end":209.02501,"sentiment":"neutral","sentiment_score":0.2004489924928004},{"text":"It was one of the best performing fund managers at the time, and the purpose of the Bennelong investment is to give you a bit bit more of an active approach.","start":209.32501,"end":218.145,"sentiment":"neutral","sentiment_score":0.25898772910717993},{"text":"So the function of it is for them to actively buy and sell investments in order to try and outperform the market.","start":218.365,"end":226.3,"sentiment":"neutral","sentiment_score":0.20143487914042038},{"text":"And like I said, they had done that very well.","start":227.0,"end":229.5,"sentiment":"neutral","sentiment_score":0.1445952348411083},{"text":"More recently, they have underperformed a little bit.","start":230.28,"end":233.625,"sentiment":"neutral","sentiment_score":-0.04816064611077309}],"sentiment":"neutral","sentiment_score":0.1928035694384767,"channel":0,"num_words":93,"start":201.79001,"end":233.625},{"sentences":[{"text":"They've been a little bit slower in making changes.","start":233.865,"end":237.005,"sentiment":"neutral","sentiment_score":-0.2887833383348253},{"text":"And one of the other factors in that one investment being down is that one of the companies that they were invested in was the Corporate Travel Group.","start":237.945,"end":248.045,"sentiment":"neutral","sentiment_score":-0.1457691312368427},{"text":"I'm not sure if you heard about them, but, essentially, they had a bit of issues with their reporting, which basically saw that they had to suspend trading, which meant that everything fell down a little bit.","start":248.15001,"end":261.51,"sentiment":"neutral","sentiment_score":-0.21352412189180786},{"text":"So, overall, like I said, your portfolio has done really well considering today's market condition, but I would 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speaking, time frame wise, we do allow at least eight years until retirement, making sure you have enough time in the market for those fluctuations.","start":294.975,"end":305.075,"sentiment":"neutral","sentiment_score":0.19631396951498808},{"text":"You will see a little bit of fluctuations in the short term in a high growth portfolio, but then long term, their goal is to tryna maximize that growth as much as possible.","start":307.44,"end":317.46,"sentiment":"neutral","sentiment_score":0.23265203404607196}],"sentiment":"neutral","sentiment_score":0.2237169783314069,"channel":0,"num_words":75,"start":286.95,"end":317.46},{"sentences":[{"text":"And, speaking, we see about 90% or so of the investment in what we would call your growth investment.","start":318.24,"end":328.495,"sentiment":"neutral","sentiment_score":0.15203693469888285},{"text":"So that will be, like, your international shares, your Australian shares, property, and 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when is the best time for you, Lee?","start":654.625,"end":658.005,"sentiment":"neutral","sentiment_score":0.04112469647079706}],"sentiment":"neutral","sentiment_score":0.04945108719402924,"channel":0,"num_words":32,"start":642.13,"end":658.005},{"sentences":[{"text":"Probably again at two Tuesday or Wednesday at 04:00.","start":659.075,"end":663.015,"sentiment":"neutral","sentiment_score":0.021726383517185848}],"sentiment":"neutral","sentiment_score":0.021726383517185848,"channel":1,"num_words":9,"start":659.075,"end":663.015},{"sentences":[{"text":"Tuesday, Wednesday.","start":663.2,"end":664.18,"sentiment":"neutral","sentiment_score":0.02082274667918682},{"text":"I am fully booked on the Wednesday, but I can do Tuesday the fourteenth at 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I'll schedule that in for you.","start":676.52496,"end":679.08496,"sentiment":"neutral","sentiment_score":0.3332659218992506},{"text":"But like I said, I will send you the document with the SMA, just the concept of it.","start":679.08496,"end":684.065,"sentiment":"neutral","sentiment_score":0.14609660166833136},{"text":"Have","start":684.20496,"end":684.52496,"sentiment":"neutral","sentiment_score":0.055933915078639984}],"sentiment":"neutral","sentiment_score":0.21196821278759412,"channel":0,"num_words":28,"start":675.08496,"end":684.52496},{"sentences":[{"text":"Mhmm.","start":684.505,"end":685.005,"sentiment":"neutral","sentiment_score":0.047421373426914215}],"sentiment":"neutral","sentiment_score":0.047421373426914215,"channel":1,"num_words":1,"start":684.505,"end":685.005},{"sentences":[{"text":"a read through it.","start":684.52496,"end":685.5,"sentiment":"neutral","sentiment_score":0.05558588169515133},{"text":"If between now and the fourteenth, you read and you go, 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bookkeeper?","start":801.78,"end":810.2,"sentiment":"neutral","sentiment_score":0.07408089837745617},{"text":"Yep.","start":811.815,"end":812.135,"sentiment":"neutral","sentiment_score":0.10623103380203248},{"text":"Perfect.","start":812.135,"end":812.635,"sentiment":"neutral","sentiment_score":0.23390015959739685},{"text":"And you earn about 14,400 from that?","start":812.695,"end":816.15497,"sentiment":"neutral","sentiment_score":0.12467867348875318}],"sentiment":"neutral","sentiment_score":0.09358639203544174,"channel":0,"num_words":28,"start":801.78,"end":816.15497},{"sentences":[{"text":"Yes.","start":816.73,"end":817.05,"sentiment":"neutral","sentiment_score":0.07654787600040436},{"text":"I guess so.","start":817.05,"end":817.93,"sentiment":"neutral","sentiment_score":0.07884620626767476},{"text":"Yeah.","start":817.93,"end":818.41,"sentiment":"neutral","sentiment_score":0.04754579812288284},{"text":"30.","start":818.41,"end":818.91,"sentiment":"neutral","sentiment_score":0.02986384928226471}],"sentiment":"neutral","sentiment_score":0.06508269036809604,"channel":1,"num_words":6,"start":816.73,"end":818.91},{"sentences":[{"text":"Yeah.","start":818.535,"end":819.035,"sentiment":"neutral","sentiment_score":0.02999536693096161}],"sentiment":"neutral","sentiment_score":0.02999536693096161,"channel":0,"num_words":1,"start":818.535,"end":819.035},{"sentences":[{"text":"40.","start":819.05,"end":819.55,"sentiment":"neutral","sentiment_score":0.02843419089913368}],"sentiment":"neutral","sentiment_score":0.02843419089913368,"channel":1,"num_words":1,"start":819.05,"end":819.55},{"sentences":[{"text":"Yeah.","start":820.295,"end":820.795,"sentiment":"neutral","sentiment_score":0.04281815141439438}],"sentiment":"neutral","sentiment_score":0.04281815141439438,"channel":0,"num_words":1,"start":820.295,"end":820.795},{"sentences":[{"text":"Yes.","start":820.855,"end":821.355,"sentiment":"neutral","sentiment_score":0.047927964478731155}],"sentiment":"neutral","sentiment_score":0.047927964478731155,"channel":1,"num_words":1,"start":820.855,"end":821.355},{"sentences":[{"text":"And on the sole trading business, do you pay yourself any contributions into Super, or is that just from your main office","start":821.095,"end":831.41003,"sentiment":"neutral","sentiment_score":0.019248164343562992}],"sentiment":"neutral","sentiment_score":0.019248164343562992,"channel":0,"num_words":22,"start":821.095,"end":831.41003},{"sentences":[{"text":"They're","start":831.335,"end":831.575,"sentiment":"neutral","sentiment_score":0.0009459257125854492}],"sentiment":"neutral","sentiment_score":0.0009459257125854492,"channel":1,"num_words":1,"start":831.335,"end":831.575},{"sentences":[{"text":"job?","start":831.41003,"end":831.91003,"sentiment":"neutral","sentiment_score":0.004732825793325901}],"sentiment":"neutral","sentiment_score":0.004732825793325901,"channel":0,"num_words":1,"start":831.41003,"end":831.91003},{"sentences":[{"text":"just from the main ones.","start":831.575,"end":833.015,"sentiment":"neutral","sentiment_score":0.014336247742176057},{"text":"Thank you.","start":833.015,"end":833.835,"sentiment":"positive","sentiment_score":0.4433859586715698}],"sentiment":"neutral","sentiment_score":0.13692187943628856,"channel":1,"num_words":7,"start":831.575,"end":833.835},{"sentences":[{"text":"Okay.","start":833.41003,"end":833.91003,"sentiment":"neutral","sentiment_score":0.26010626554489136},{"text":"No.","start":834.13,"end":834.37006,"sentiment":"neutral","sentiment_score":0.3019981384277344},{"text":"That is perfect.","start":834.37006,"end":835.33,"sentiment":"positive","sentiment_score":0.5549781123797098},{"text":"That was everything I needed to check.","start":835.33,"end":837.17004,"sentiment":"positive","sentiment_score":0.4819431390081133},{"text":"So I will let you go, and enjoy the rest of your day.","start":837.17004,"end":841.11005,"sentiment":"positive","sentiment_score":0.6045200228691101}],"sentiment":"positive","sentiment_score":0.5383760404586792,"channel":0,"num_words":25,"start":833.41003,"end":841.11005},{"sentences":[{"text":"Keep a look at for my email.","start":841.705,"end":843.40497,"sentiment":"neutral","sentiment_score":0.23760983028582164},{"text":"And like I said, if I don't hear from you, I will give you a call on Tuesday, April 14 at four 4PM, and we can continue the discussion and see what you what your thoughts are when you had time to read over it a little bit.","start":843.865,"end":855.96497,"sentiment":"neutral","sentiment_score":0.07738435726302366}],"sentiment":"neutral","sentiment_score":0.09777669019319794,"channel":0,"num_words":55,"start":841.705,"end":855.96497},{"sentences":[{"text":"Okay.","start":856.285,"end":856.785,"sentiment":"neutral","sentiment_score":0.2635079622268677}],"sentiment":"neutral","sentiment_score":0.2635079622268677,"channel":1,"num_words":1,"start":856.285,"end":856.785},{"sentences":[{"text":"Yeah.","start":856.39,"end":856.89,"sentiment":"positive","sentiment_score":0.41022971272468567}],"sentiment":"positive","sentiment_score":0.41022971272468567,"channel":0,"num_words":1,"start":856.39,"end":856.89},{"sentences":[{"text":"Thank you very, very much.","start":856.845,"end":858.285,"sentiment":"positive","sentiment_score":0.7974606990814209},{"text":"Thank you for your time.","start":858.285,"end":859.585,"sentiment":"positive","sentiment_score":0.7646690011024475}],"sentiment":"positive","sentiment_score":0.7810648500919342,"channel":1,"num_words":10,"start":856.845,"end":859.585},{"sentences":[{"text":"No problem at all, Lee.","start":859.75,"end":860.67,"sentiment":"positive","sentiment_score":0.6526977062225342},{"text":"I look forward to speaking with you soon again.","start":860.67,"end":862.64996,"sentiment":"positive","sentiment_score":0.7622063557306925}],"sentiment":"positive","sentiment_score":0.7230961237634931,"channel":0,"num_words":14,"start":859.75,"end":862.64996},{"sentences":[{"text":"You too.","start":862.925,"end":863.405,"sentiment":"positive","sentiment_score":0.4947219640016556},{"text":"Thanks, Veronica.","start":863.405,"end":864.285,"sentiment":"positive","sentiment_score":0.6113731861114502}],"sentiment":"positive","sentiment_score":0.5530475750565529,"channel":1,"num_words":4,"start":862.925,"end":864.285},{"sentences":[{"text":"Mhmm.","start":863.91,"end":864.41,"sentiment":"positive","sentiment_score":0.4202342927455902}],"sentiment":"positive","sentiment_score":0.4202342927455902,"channel":0,"num_words":1,"start":863.91,"end":864.41},{"sentences":[{"text":"Have a lovely long weekend.","start":864.285,"end":865.745,"sentiment":"positive","sentiment_score":0.7623452305793762}],"sentiment":"positive","sentiment_score":0.7623452305793762,"channel":1,"num_words":5,"start":864.285,"end":865.745},{"sentences":[{"text":"You too, Lee.","start":866.23,"end":867.11,"sentiment":"positive","sentiment_score":0.5075292984644572},{"text":"We'll speak soon.","start":867.11,"end":868.17,"sentiment":"positive","sentiment_score":0.33525174856185913}],"sentiment":"positive","sentiment_score":0.42139052351315814,"channel":0,"num_words":6,"start":866.23,"end":868.17},{"sentences":[{"text":"Later.","start":867.85095,"end":868.35095,"sentiment":"neutral","sentiment_score":0.2121041715145111},{"text":"Bye.","start":868.8109,"end":869.3109,"sentiment":"neutral","sentiment_score":0.18402054905891416}],"sentiment":"neutral","sentiment_score":0.19806236028671265,"channel":1,"num_words":2,"start":867.85095,"end":869.3109},{"sentences":[{"text":"Okay.","start":869.02997,"end":869.52997,"sentiment":"neutral","sentiment_score":0.14809775352478027}],"sentiment":"neutral","sentiment_score":0.14809775352478027,"channel":0,"num_words":1,"start":869.02997,"end":869.52997},{"sentences":[{"text":"Bye.","start":869.371,"end":869.871,"sentiment":"neutral","sentiment_score":0.1405293494462967}],"sentiment":"neutral","sentiment_score":0.1405293494462967,"channel":1,"num_words":1,"start":869.371,"end":869.871},{"sentences":[{"text":"Bye.","start":869.67,"end":870.17,"sentiment":"neutral","sentiment_score":0.13198554515838623}],"sentiment":"neutral","sentiment_score":0.13198554515838623,"channel":0,"num_words":1,"start":869.67,"end":870.17},{"sentences":[{"text":"Bye.","start":870.41095,"end":870.91095,"sentiment":"neutral","sentiment_score":-0.12290140986442566}],"sentiment":"neutral","sentiment_score":-0.12290140986442566,"channel":1,"num_words":1,"start":870.41095,"end":870.91095}]},"summary":{"result":"success","short":"A representative from Achieve Financial named Veronica calls Lee to schedule a catch-up with him. Lee's portfolio has held up well, but the other investment is down due to fluctuations in the market. Veronica suggests doing a self-manufactured super fund and asks about Lee's risk tolerance. The speaker discusses the success of their portfolio and suggests swapping their current investment for something else to maximize growth. The process of changing the statement of advice takes a couple of weeks and can be completed quickly, allowing the customer to still have full control of any changes. The speaker offers to send an email with the process and follow up with the customer if they have any questions."},"intents":{"segments":[{"text":"I had you booked in for a little bit of a catch up. Is now still a good time for you?","start_word":32,"end_word":52,"intents":[{"intent":"Reschedule appointment","confidence_score":0.04508927}]},{"text":"Your portfolio has still gone up by 8.18%, Oh, that's which is actually, great. yeah, which is which is really good considering everything that's going on as well. Yeah.","start_word":412,"end_word":440,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.79884}]},{"text":"Nelly, are you still comfortable seeing you know, staying in a high growth portfolio, seeing a bit of those fluctuations, or has your risk tolerance or anything changed at all? No.","start_word":928,"end_word":958,"intents":[{"intent":"Evaluate portfolio flexibility","confidence_score":0.015010271}]},{"text":"Now the I do wanna check with you as well. Have you read our recent newsletter at all by any chance? Maybe.","start_word":1051,"end_word":1072,"intents":[{"intent":"Check","confidence_score":0.015404058}]},{"text":"So we've recently merged or partnered up with BlackRock, which is one of the you may have heard of them, but one of the biggest fund managers in the world, actually. And we've partnered up with them to create our own SMA. Right.","start_word":1111,"end_word":1153,"intents":[{"intent":"Share","confidence_score":0.095800005}]},{"text":"So there's a a bit more of, like, a the compliance side of it. It gives you full control of any changes before we do make it. But at the same time, because that process does take a couple of weeks sometimes, it can obviously a little bit hard with with timing things because sometimes you do wanna make a change quite quickly before things do change too much.","start_word":1290,"end_word":1358,"intents":[{"intent":"Plan changes","confidence_score":0.00031444244}]},{"text":"So how it's different is you can still have it in Hub twenty four if that's that's good is that you would invest in a portfolio.","start_word":1377,"end_word":1402,"intents":[{"intent":"Promote portfolio investment","confidence_score":0.012672303}]},{"text":"Now if you would like me to book in a bit of a follow-up sometime next week to see what your thoughts are, I'm more than happy to do so. Yeah.","start_word":1733,"end_word":1763,"intents":[{"intent":"Book follow-up","confidence_score":0.834623},{"intent":"Book follow-up","confidence_score":0.009837013},{"intent":"Schedule review","confidence_score":0.0019780265}]},{"text":"Now I'll schedule that in for you. But like I said, I will send you the document with the SMA, just the concept of it. Have Mhmm.","start_word":1911,"end_word":1937,"intents":[{"intent":"Send document","confidence_score":0.27454197}]},{"text":"I don't need to be involved in every investment decision. It takes that away, and it means that you can quickly make changes, which is great. But I also have some other clients that goes, no. Do you know what?","start_word":2041,"end_word":2080,"intents":[{"intent":"Make decisions","confidence_score":0.040601816}]},{"text":"Because regardless of which way you decide you are comfortable with, I will still review the portfolio and look to see if we wanna change that along anyway. It's just whichever direction you are comfortable with just kind of determines which research pathway I go down. But I Okay.","start_word":2120,"end_word":2168,"intents":[{"intent":"Review portfolio","confidence_score":0.5136244}]},{"text":"The last thing I do need to check as well is just your income and your contributions. If I do need to go and do the research for you, which is I do have your office work income at about 63,180. Is that correct? Yes.","start_word":2266,"end_word":2310,"intents":[{"intent":"Check income","confidence_score":0.026855303}]},{"text":"And on the sole trading business, do you pay yourself any contributions into Super, or is that just from your main office They're job? just from the main ones. Thank you. Okay.","start_word":2354,"end_word":2385,"intents":[{"intent":"Obtain contribution","confidence_score":0.0026300335}]},{"text":"That was everything I needed to check. So I will let you go, and enjoy the rest of your day. Keep a look at for my email.","start_word":2390,"end_word":2416,"intents":[{"intent":"End conversation","confidence_score":0.19587395}]}]},"sentiments":{"segments":[{"text":"Hello. This is Lee.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.061574481427669525},{"text":"Good afternoon, Good afternoon, Lee.","start_word":4,"end_word":8,"sentiment":"positive","sentiment_score":0.35800302028656006},{"text":"This is Lee. Veronica from Achieve Financial. How are you this afternoon?","start_word":9,"end_word":20,"sentiment":"neutral","sentiment_score":0.2306196391582489},{"text":"Hi there. I'm good. Thanks. How are you? I'm good. Thanks.","start_word":21,"end_word":31,"sentiment":"positive","sentiment_score":0.5162778496742249},{"text":"I had you booked in for a little bit of a catch up. Is now still a good time for you? Yes. Yes. I've kind of got a few things on the go. If not, I can definitely reschedule for a more suitable time. If you are a bit short for time today, that is no problem. That's okay. What is it? A long one? No. Probably I can probably depending on, obviously, how many questions and stuff you have, but I can probably make it in maybe, like, fifteen. I can do it as quickly as I can. Yeah. Sure. Thank Yeah. you. That Yep. no. That's okay. Now, Lee, just before I do go any further, I just need to let you know that calls are being recorded for quality and coaching purposes, if that's okay. Perfect. Mhmm. Thank And you. just to confirm I am speaking with the right person, I do have a password on file. Do you know where that might be? Is it Snoopy? Yeah. That's the one. Thank you. Now, Lee, I have you booked in. I know you had your interview not too long ago with my colleague. And from that conversation, you wanted to be booked in with an adviser to talk a bit more about your performance on your super. Is that correct? Yes. I guess so. I'm Yeah. Yes. yeah. I don't really understand a lot of it. I guess it's a it's a funny situation at the moment with everything going on too. Yes. Yes. There are obviously a lot happening in the world. In the last twelve months, we have seen, you know, quite a bit of fluctuations in in the market and in the world. First, you obviously had Trump and tariffs and everything in The US, and then more recently, everything, the war and everything that's going on. So we have seen quite a bit of fluctuations in the market. But with that, though, your portfolio has actually hold up really well. So in the last twelve months, which I believe you guys went through over the annual review, but, basically, in the last twelve months now, this is all after fees, and that is obviously despite all the fluctuations and everything at the moment.","start_word":32,"end_word":411,"sentiment":"neutral","sentiment_score":0.04741973356392823},{"text":"Your portfolio has still gone up by 8.18%, Oh, that's which is actually, great. yeah, which is which is really good considering everything that's going on as well.","start_word":412,"end_word":439,"sentiment":"positive","sentiment_score":0.5898506045341492},{"text":"Yeah.","start_word":440,"end_word":440,"sentiment":"neutral","sentiment_score":0.3095219135284424},{"text":"So, overall, the portfolio has held up really well.","start_word":441,"end_word":449,"sentiment":"positive","sentiment_score":0.47457313537597656},{"text":"There is one investment that I probably would be inclined to look to switch out for you, which I can Yep. do a bit more research on, which is the Benelon Australian Equity. So that one investment has underperformed. Some of your other investment have done really well, which is kind of, I guess, negated that one a little bit. So the Bennelong is down about 18%, but then you have some other ones that's up, like, 78, one that's up 32. So that kind of negates that a little bit. But, basically, the Bennelong investment, it was added to your portfolio when you came on board because it was doing really well. It was one of the best performing fund managers at the time, and the purpose of the Bennelong investment is to give you a bit bit more of an active approach. So the function of it is for them to actively buy and sell investments in order to try and outperform the market. And like I said, they had done that very well. More recently, they have underperformed a little bit. They've been a little bit slower in making changes. And one of the other factors in that one investment being down is that one of the companies that they were invested in was the Corporate Travel Group. I'm not sure if you heard about them, but, essentially, they had a bit of issues with their reporting, which basically saw that they had to suspend trading, which meant that everything fell down a little bit. So, overall, like I said, your portfolio has done really well considering today's market condition, but I would like Yes. to do a bit more research on just that one investment for you to see if, you know, we should potentially look at swapping that one for something else to make sure that we have you in the most optimal position and the investment that's going to do the best for you. Are you happy for me to do that? Yes.","start_word":450,"end_word":788,"sentiment":"neutral","sentiment_score":0.061900936935239834},{"text":"Thank you.","start_word":789,"end_word":790,"sentiment":"positive","sentiment_score":0.4453348517417908},{"text":"Yeah.","start_word":791,"end_word":791,"sentiment":"neutral","sentiment_score":0.3257598578929901},{"text":"Great.","start_word":792,"end_word":792,"sentiment":"positive","sentiment_score":0.5537638664245605},{"text":"Now at the moment, we have your portfolio in a high growth portfolio. So typically speaking, time frame wise, we do allow at least eight years until retirement, making sure you have enough time in the market for those fluctuations. You will see a little bit of fluctuations in the short term in a high growth portfolio, but then long term, their goal is to tryna maximize that growth as much as possible. And, speaking, we see about 90% or so of the investment in what we would call your growth investment. So that will be, like, your international shares, your Australian shares, property, and commodities. And that is what's Yep. going to grow your superannuation. And then we do have about 10 in more defensive investments like your cash, your gold, your fixed interest. Nelly, are you still comfortable seeing you know, staying in a high growth portfolio, seeing a bit of those fluctuations, or has your risk tolerance or anything changed at all? No. No. I'm happy to No. do that. Happy The to only do thing that. that may change over the next couple of years is someone was suggesting to us to do a self managed super fund. Okay. And And is that was that the purpose of buying a profit investment property? Yes. Yep. No. That's okay. I'll make a little note of that for you. That is no problem.","start_word":793,"end_word":1027,"sentiment":"neutral","sentiment_score":0.1295648217201233},{"text":"But at the moment, quite happy with the way things are going and Yes. growing that other way.","start_word":1028,"end_word":1045,"sentiment":"positive","sentiment_score":0.4814756512641907},{"text":"Yeah. No. That's no problem. Now the I do wanna check with you as well. Have you read our recent newsletter at all by any chance? Maybe. I do not know. Sorry. No. That's okay. The reason I do ask is while I am reviewing your super investment, I wanted to check with you on a bit of a new change that we've recently done. So we've recently merged or partnered up with BlackRock, which is one of the you may have heard of them, but one of the biggest fund managers in the world, actually. And we've partnered up with them to create our own SMA. Right. So an SMA is called a self managed account. So how it's slightly different to the way that your super is currently set up in Hub twenty four is that you have what we would call, like, your model portfolio. So you will have each and every single one of those investment listed in Hub twenty four for you. Now if we wanna go and make a change, so for example, Bennelong, we would obviously go do all the research. We would have to prepare from a compliance point and everything like that. And to make sure you're fully aware, we have to prepare everything in a new statement of advice. For a sense that to you, you would have to sign and agree to the change before we can actually go and make a change. So there's a a bit more of, like, a the compliance side of it. It gives you full control of any changes before we do make it. But at the same time, because that process does take a couple of weeks sometimes, it can obviously a little bit hard with with timing things because sometimes you do wanna make a change quite quickly before things do change too much. So Yes.","start_word":1046,"end_word":1360,"sentiment":"neutral","sentiment_score":0.106294684112072},{"text":"the function with the SMA is that it allows us to do that very quickly. So how it's different is you can still have it in Hub twenty four if that's that's good is that you would invest in a portfolio. Now you can still have a high growth portfolio focusing on all of that.","start_word":1361,"end_word":1415,"sentiment":"positive","sentiment_score":0.35570673509077594},{"text":"It's still kind of a similar investment philosophy, but you would just be invested in that portfolio and then still have all the underlying investment.","start_word":1416,"end_word":1440,"sentiment":"neutral","sentiment_score":0.27682703733444214},{"text":"But what it basically allows us to do is that we can then quickly swap something for you. So we can still let you know of the changes afterwards when we've made it, but it means that you don't have to go through the whole, present the strategy, approve it, agree to it before we can make a change, which speeds up the process when there is a bit of, you know, fluctuations and uncertainty in the market. But it allows us to make changes very quickly. And by partnering up with BlackRock, we obviously utilize all their expertise and knowledge along with our in house investment committee.","start_word":1441,"end_word":1548,"sentiment":"positive","sentiment_score":0.4200981259346008},{"text":"Is that something that you are open to, or do you prefer the way things are structured right now? I guess so. It's I don't ultimately yeah. I don't know. Sorry. no. It's At the moment. alt no. That's okay. Ultimately, it's completely up to you what you are comfortable with. If it is something that you are like, okay.","start_word":1549,"end_word":1608,"sentiment":"neutral","sentiment_score":0.032853446900844574},{"text":"Well, I'm happy to see what it looks like. I would still have to go and do all the research for you, put together a strategy, and I have to make sure it's still in your best interest and in the put you in a better position.","start_word":1609,"end_word":1655,"sentiment":"positive","sentiment_score":0.42848867177963257},{"text":"So if I Do do I the do research you have something to send mhmm. through, like, Yes. for that so Yeah. so Of course I can I have do. a bit more of a read about it? Yeah. Have a So what I can do for you is I can send you an email with the the bit of the SMA. You can have a bit of a read over it as think about it.","start_word":1656,"end_word":1731,"sentiment":"neutral","sentiment_score":0.13036906719207764},{"text":"Now if you would like me to book in a bit of a follow-up sometime next week to see what your thoughts are, I'm more than happy to do so.","start_word":1732,"end_word":1761,"sentiment":"positive","sentiment_score":0.4718855023384094},{"text":"Yeah. Maybe week Would that not be next week. Maybe the week after. yeah. Let us do that. And if you do have a read over it and you go, yeah.","start_word":1762,"end_word":1792,"sentiment":"neutral","sentiment_score":0.09765668958425522},{"text":"I'm happy to see what this looks like, you can always just respond to the email, and then I can go and do that research for you in the back end because it does take about two weeks for me to put all the research together anyway.","start_word":1793,"end_word":1839,"sentiment":"positive","sentiment_score":0.3588705062866211},{"text":"Okay. Mhmm. Sorry. Let me see here. In two weeks' time, that would mean that daylight savings time is over, which is great. But now when is the best time for you, Lee? Probably again at two Tuesday or Wednesday at 04:00. Tuesday, Wednesday. I am fully booked on the Wednesday, but I can do Tuesday the fourteenth at 4PM. Okay. Yeah. Would that work? Yes. Thank Yep. you.","start_word":1840,"end_word":1908,"sentiment":"neutral","sentiment_score":0.06409899145364761},{"text":"Okay. Perfect.","start_word":1909,"end_word":1910,"sentiment":"positive","sentiment_score":0.4582878947257995},{"text":"Now I'll schedule that in for you. But like I said, I will send you the document with the SMA, just the concept of it. Have Mhmm. a read through it. If between now and the fourteenth, you read and you go, okay.","start_word":1911,"end_word":1953,"sentiment":"neutral","sentiment_score":0.14903847873210907},{"text":"I am happy to look at it.","start_word":1954,"end_word":1960,"sentiment":"positive","sentiment_score":0.5547657012939453},{"text":"Just respond to my email because then I can start the research process because like I said, it will take about two weeks for me to put everything together anyway. And if I do the research and the SMA does not put you in a better position, I cannot recommend it for you. But Okay. at the same time, I wanna make sure that is something you're comfortable with because I have some clients that goes, yes.","start_word":1961,"end_word":2037,"sentiment":"neutral","sentiment_score":0.006978137418627739},{"text":"Fabulous. That's great.","start_word":2038,"end_word":2040,"sentiment":"positive","sentiment_score":0.5987494587898254},{"text":"I don't need to be involved in every investment decision.","start_word":2041,"end_word":2050,"sentiment":"neutral","sentiment_score":0.312131404876709},{"text":"It takes that away, and it means that you can quickly make changes, which is great.","start_word":2051,"end_word":2066,"sentiment":"positive","sentiment_score":0.45015475153923035},{"text":"But I also have some other clients that goes, no. Do you know what? I want to be completely involved in the whole process, and I would like to look at it, approve it before you make a change. So, ultimately, Okay.","start_word":2067,"end_word":2108,"sentiment":"neutral","sentiment_score":0.20442560439308485},{"text":"it is completely up to you what you are comfortable with.","start_word":2109,"end_word":2119,"sentiment":"positive","sentiment_score":0.343771755695343},{"text":"Because regardless of which way you decide you are comfortable with, I will still review the portfolio and look to see if we wanna change that along anyway. It's just whichever direction you are comfortable with just kind of determines which research pathway I go down. But I Okay. can always look at everything anyway. So I know it's a lot. So take your time to have a read over it. Like I said, if I don't hear from you, I will call you on Tuesday the fourteenth at four to kinda follow-up to see where your thoughts are. We can go through any questions and stuff like that.","start_word":2120,"end_word":2228,"sentiment":"neutral","sentiment_score":0.16514301300048828},{"text":"But if you do read over it and you are happy to consider it, just respond to the email, and then I can start the process for you.","start_word":2229,"end_word":2256,"sentiment":"positive","sentiment_score":0.36271989345550537},{"text":"Okay. No Yeah.","start_word":2257,"end_word":2259,"sentiment":"neutral","sentiment_score":0.17585253715515137},{"text":"problem. Perfect. Sorry, Thank Lee. you.","start_word":2260,"end_word":2265,"sentiment":"positive","sentiment_score":0.4870487153530121},{"text":"The last thing I do need to check as well is just your income and your contributions. If I do need to go and do the research for you, which is I do have your office work income at about 63,180. Is that correct? Yes.","start_word":2266,"end_word":2310,"sentiment":"neutral","sentiment_score":0.06446836143732071},{"text":"That would be Perfect.","start_word":2311,"end_word":2314,"sentiment":"positive","sentiment_score":0.4022440016269684},{"text":"right. And then also, you do as a sole trader working at a gym, as a PT, and a bookkeeper? Yep. Perfect. And you earn about 14,400 from that? Yes. I guess so. Yeah. 30. Yeah. 40. Yeah. Yes. And on the sole trading business, do you pay yourself any contributions into Super, or is that just from your main office They're job? just from the main ones.","start_word":2315,"end_word":2382,"sentiment":"neutral","sentiment_score":0.06376755237579346},{"text":"Thank you.","start_word":2383,"end_word":2384,"sentiment":"positive","sentiment_score":0.4226063489913941},{"text":"Okay. No.","start_word":2385,"end_word":2386,"sentiment":"neutral","sentiment_score":0.28105220198631287},{"text":"That is perfect. That was everything I needed to check. So I will let you go, and enjoy the rest of your day.","start_word":2387,"end_word":2409,"sentiment":"positive","sentiment_score":0.5569758415222168},{"text":"Keep a look at for my email. And like I said, if I don't hear from you, I will give you a call on Tuesday, April 14 at four 4PM, and we can continue the discussion and see what you what your thoughts are when you had time to read over it a little bit. Okay.","start_word":2410,"end_word":2465,"sentiment":"neutral","sentiment_score":0.09964327234774828},{"text":"Yeah. Thank you very, very much. Thank you for your time. No problem at all, Lee. I look forward to speaking with you soon again. You too. Thanks, Veronica. Mhmm. Have a lovely long weekend. You too, Lee.","start_word":2466,"end_word":2503,"sentiment":"positive","sentiment_score":0.6622030735015869},{"text":"We'll speak soon. Later. Bye. Okay. Bye. Bye. Bye.","start_word":2504,"end_word":2512,"sentiment":"neutral","sentiment_score":0.2005486935377121}],"average":{"sentiment":"neutral","sentiment_score":0.16313690904376338}}}}