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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. 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? Yep. Perfect. And how's your morning been so far? Been busy or just kind of getting started? Oh, nice. Well, I will try not to take up too much of your of your time. It is just to go over your annual review, and I know we spoke, obviously, to sort out your insurances up not too long ago. So, again, I will try to do this as quickly as I can for you. Now just before I do jump into the annual review, though, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on, or is it just just the the usual review for you? Yep. Great. Perfect. Now I'll quickly just run through a bit of an updated fact to see if there's anything that has changed in your life since we spoke last. I'm not sure we'll do it quickly because I'm sure most of the things are fairly up to date. But when it comes to your personal information, I have you down here as a de facto relationship with two financial dependent. Yep. Perfect. I don't actually have your partner's name on file, though. Would you be able to provide that for me? Danielle Thompson. Great. Perfect. Yep. Perfect. Great. Thank you. Now I don't also have a next of kin on file. Do you wanna same person. Perfect. And their best contact number? Yep. Thank you. Three four one three. Yep. One nine two. Yep. 845. Great. Perfect. Occupation wise, has anything changed for you? Still doing the same? Okay. Perfect. Different employer or you just, at a different, like, workshop or something? Okay. And what's your new employer called? And when did you start there? Oh, yeah. You liking it so far? That's good. Still working full time, though? Yep. Great. Did your income change with that, or is it around that 75? Oh, wow. Nice. 135. Yeah. Okay. So super on top. Do you get bonuses and stuff on top of that, or is that, like, your base income? Yep. Perfect. And your employer, do they pay the standard 12% contribution as well on that one thirty five? Yep. Yeah. Nice. And you are still not making, like, additional contributions or anything like that, just that from your employer? Yep. Great. And with your new employer, do you have a an enterprise bargain agreement or anything with them or just kind of like the standard contracts? Yep. Perfect. That's a nice little pay increase, though. Now did that make any changes through, like, savings and expenses per week? Do you know? Yes. Yeah. Now I do have your address here at 6 Rickett Crescent. Has that changed? Yep. What's your new address, and I'll get that updated for you. 37 Of 73. Yep. Centenary Drive? Drive North. And which suburb is that in? Did you say Middlemount? Yep. Perfect. Still Queensland? Yep. 4746. Great. Perfect. I will get that updated for you. You said you're still renting. You just moved to a different rental property? Yeah. Alright. Otherwise, asset wise, I have here that you have a motor vehicle valid at about 45,000? Yeah. And about 28 owing? Yeah. Oh, perfect. And do you know roughly how much that would be left? Oh, perfect. I'll update that. Do you also have the ute of about 10,000? Yep. But you don't have anything owing on that one, do you? No. Perfect. Any other new assets? Otherwise, any other motor vehicles or boats or motorbikes? Yep. How much would that one be worth? Or is there? Yep. Okay. Yep. Anything else? No. Any other liabilities? Personal loans, credit card, SIP pay? Not perfect. And you've never been declared bankrupt or been under a partner agreement? Not perfect. Now health wise, I have you done her as a nonsmoker? Is that still the case? Perfect. Yep. Any changes to your health otherwise? Any new medication or new illnesses or injuries or anything? No. Perfect. And do you have private health insurance? Nope. It might be something to consider or look into a little bit more anyway now when your income is a bit higher, especially with the medical levy surcharge that is applicable for high income earners if you don't have private health insurance. Obviously, you still then have to weigh up the cost of private health insurance, but it is something to kind of be mindful of or or have a look at, especially because you are now in the high income threshold as well. Yep. And, otherwise, estate planning wise, do you have a will in place? Yep. Perfect. Do you know if you made a nomination for power of attorney as well when you got the will? No. That's okay. But you don't have anyone who makes any financial decisions on your behalf otherwise? No. Perfect. And are you politically exposed to an income anywhere overseas? No. Great. Now with your super and your insurances as well, I do have here at the moment that we are waiting on the beneficiary forms to come back. So if something were to happen to you, who you want to nominate to receive the funds. Did you res okay. Maybe because, obviously, you changed when did you move to the new property? Okay. It could have been that it was potentially sent to the old property. So do you have access to your printer at all, William? Yeah. If you're happy to do so, because it makes it a bit quicker, I can get the team to email it to you. Because you are? Yeah. Because it is making a legal nomination, just have to be printed and wet signed and witnessed. Send it back to us, and then we'll get that uploaded for your super and your insurances as well. Do you know who you would like to nominate? Yep. Yep. And with her as well, because she is your partner, if something were to happen, it would go completely tax free to her as well, which is good. Tax free to her. Yeah. With children, if they're 18, it's tax free. If it's over 18, unless they have there's, like, a disability or they are at uni and stuff like that, they can then be taxed on the benefits that they received. But you are now a little bit younger, aren't they? Yeah. Yeah. Perfect. Yeah. Otherwise, if it does go to your partner, it is tax free irrespective of age or or time frame. So I will get the team through email that through you. I'll get them to include a cover letter as well. If you do have any issues on which selections to choose from, let me know because there are a couple of different options that you can select. So you can have a binding and a nonbinding option. So binding basically means that the trustee has to follow your wishes, so it's a lot more certain. Whereas a nonbinding option just basically tells the trustee that this is what you want to have happened, that they ultimately have say of if they feel that there's someone else that's better suited for it. So binding is more certain in that aspect. And then you also have lapsing and non lapsing. So, lapsing means that you have to complete the form every three years. Non lapsing means that it stays in place until you decide to update or change it. Yep. So, yeah, have a look at those and complete it when you have a moment. Send it back to us, and I will get that uploaded and sorted for you so that's all in place if something ever were to happen to you. Perfect. Now the other thing I do quickly wanna run through, it is just an updated risk profile questionnaire. It is just a couple of multiple choice questions to make it nice and easy for you. Some can be a bit tricky. So if it doesn't make sense, let me know. But otherwise, there is no right or wrong answer. And it's kind of thinking about the questions in regards to your superannuation as well. Now have you ever bought direct shares on the stock market yourself? Yep. Do you still have some investments? No. Okay. And next is kind of I guess at the at the moment, do you know when you would like to start accessing your super or when you're planning on retire? Can seem far away, but do you have any idea when you when you're thinking? No. No. That's okay. Otherwise, I do have here that last time we spoke. Ideally, you would like to retire at 60 when you can, if you have the option to do so and draw a week weekly income of about $1,000 per week, do you think that would still kind of, be achievable for you? Yep. Yep. Perfect. Now next is when it comes to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing more, unfortunately. Now how much of a risk are you willing to take in order to try to keep up with your rising prices? Would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk? Moderate. Perfect. Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens, Or do you think you'd want to shift to a more secure asset? But that means you are then selling when the prices have dropped. Just hold and wait. Perfect. Yep. Now have you ever noticed your superannuation or any other assets fluctuate and fall in value? If so, how did that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not really making any further investments, concerned, or highly anxious? Just neutral. Perfect. And the last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property? Yep. Perfect. Now that tells me here that you have come out just borderline between a high growth and a growth investor. And at the moment, we have you invested in a high growth portfolio. So do you remember the difference between those two at all? Yep. Perfect. And are you still quite comfortable to remain in the the high growth portfolio, or or what are your thoughts? Yep. Great. Also, from a time time frame point of view, you know, when we are looking at a high growth portfolio, we do typically want to allow at least eight years on true retirement to making sure you have enough time in the market for those fluctuations in the short term, which you certainly have behind you. So from a time frame point of view, you are definitely in a good suitable portfolio. So more than happy to leave you there as long as, obviously, you are comfortable with that. Now the last thing I do want to run over here, William, is just to send you a couple of documents to run through with you quickly. Do you have access to your emails on your phone or a computer or anything? Yeah. Okay. Perfect. So I've just sent you an email with a couple of attachments. So let me know when that comes through. And we have recently changed software software as well, so it might look a little bit different to what you would use too. Yes. That's the one. Yes. So before you click on the signature, you will see a couple of attachments. You should see a couple of different attachments further down in the email. Can you see those? Yep. Now to make it easier for you, if you wanna tell me the order you can see them, I can just go through them that way. Yep. So the the services guide version one and the financial services guide version four, I'll let you have a read over that in your own time. It's one of those compliance documents. You would have seen this before. It is just an updated version. We've had a bit of an extension to the team, which is great. So when you have a look at it, you will see us all in there and the new team as well. We've also had a bit of a change to our marketing, so it's just basically an updated version. Same information otherwise. Just all the important information in there for you. They're quite long, so I'll let you have a read over that in your own time. What is the next one you can see? Yep. Yep. And after that one yes. If you wanna open that one for me. Yep. Yep. Perfect. Now you will see at the top pair, your superannuation. It looks a little bit different because we are just in the process. So we have requested that final rollover for Australian Retirement Trust already. But because it's obviously with them, sometimes it takes a couple of days for the funds to drop in your Hub 24, which is the only reason why it looks like that. So the we placed them the request, so it's on its way. It could drop tomorrow or today even. But when we had a look yes yesterday, it was still on its way. So, otherwise, you will see the the Australian retirement trust come into Hub 24 soon for you, which will obviously boost. Yeah. Does that make sense? Yep. Perfect. Now underneath that, you will then have your insurances. So you have, obviously, your MetLife insurance, your life and disability insurance, your income protection as well, all paid from within superannuation. You do you do get that 15% tax rebate. So the total premium for all three is $2,600. Now with your income as well, I do wanna just check that you're still happy with your income protection. Because your income has gone up quite a bit, there is a little bit of a gap with how much you could be covered for versus what you currently have. Do you still feel if something were to happen to you, do you still think that 4,375 would cover kind of bills and expenses, or do you think you would want to look at increasing the income protection? Yeah. Okay. Perfect. Because if you did wanted to increase it at any point, just let me know. It would mean that the policy will get more expensive because you're covered four more, and we would just have to go through the undivided process again, which obviously was finally got that sorted for you, and that's all in place. But if anything ever does change and you wanna have a look at it, let me know. Otherwise, the good thing with the MetLife policy is that within thirty days of the policy anniversary, you can actually increase the the income protection with up to 15% without having to go through any of that underwriting, which is a really good thing with with MetLife. It's just a quick form. So I can even get the team to put a little bit of a note through see how you feel within the thirty days of the policy anniversary if you wanna increase it because we can do that without underwriting for up to 15%. Yep. Otherwise, you know, if anything does change, you can always let us know, and we can always look at revisited. But, otherwise, for the time being, we'll leave that all sorted for you. Yep. Perfect. Now what is the the next one there for you? Yep. Now this one here, it just breaks down your insurance in a bit more detail for you. This basically tells you that everything is paid up to date, and it's just just in a bit more in-depth with the the policy there for you. What is the the next one? Yep. So if you wanna open that one for me, it can be a little bit small potentially on the phone, but this one basically breaks down all your different investments in your hub twenty four accounts and how they Yes. So you'll basically see, yeah, what's happened in the last twelve months, how it's all performed. Now, obviously, you probably would be aware that there's been in the last twelve months, there's been a lot of things happening in the world, which obviously has impacted, obviously, investments and everything like that. So, obviously, everything over in The US with Trump and tariffs and everything saw a bit of fluctuation, and then now, obviously, more recently, everything over in The Middle East. Despite all of that, though, your portfolio has still done pretty well given the amount of fluctuations we've kind of had in the market. So yes. And this is also after fees. So after all fees have been deducted from your account and everything like that, Like I said, despite the fluctuations, your portfolio has still gone up 7.2% after fees, which is actually pretty good. Yeah. I do wanna look at swapping one of the investments, though, for you if you are happy with that, and that is that is your Benelon Australian equity. That is the the first one. So this is your managed fund. Can you see that one okay? Yeah. Sorry. The reason yeah. So the reason I wanna swap this one out is that it was when you came on board, it has done really, really well. The purpose of adding this one to your portfolio is that it is a little bit different to your other one in that it is a managed fund. So the purpose is through kind of actively buying and selling investments in order to try to outperform the market. That is the function of that one, whereas your other investments are a bit more of your passive style where it is kind of tracking an index. So they've been along Australian equity. Like I said, they had done really well. More recently, they've kind of underperformed a little bit. And one of their contributing factors through it's declining at the moment is that one of their investments in their portfolio, which the corporate travel group, they had a bit of issues with their reporting, which meant that they had to suspend suspend the trading. So that kind of caused the obviously, a pause on trading and caused the investment to fluctuate and fall. So if you are happy for me to do so, I would like to swap that one out for another one. So we wanna make sure that we still have a well worthified portfolio. If I'm swapping an Australian equity fund, I would like to swap it with another Australian equity to give you the same kind of exposure. We've done a lot of research on a lot of investments that would still kind of have the same function, be a little bit cheaper, has performed a little bit more. And the one that kind of the investment team has suggested to swap it for is the a 200. It is kind of another investment focusing on the 200 largest companies listed in Australia. So if you are happy with that, because I think overall it's going to put you in a better position moving forward, I will go and make that change. I will send you a a record of advice. You don't have to sign it, but it's just for your reference. And it's just to send you the document to show you swapping Ben along just for that one investment. Yep. Yep. Perfect. So keep a look at for that email. Like you said, I don't need you don't need to sign anything. And if you are happy for us to go ahead and make that change, I will let the team know to authorize that change once we send you that that document. Yep. Perfect. Now you should just have one more attachment, I believe, which is their Vanguard index chart. Yep. If you can open that one for me. Yep. Yep. Perfect. Now this one here has just kind of been added as it is a good representation of what we are talking about when we are talking about the market. So you can kind of see the trends from 1995 up until 2025. You can also see it breaking down into the different asset classes. So when we are talking about your high growth portfolio is where we have about 90% in those top four. So The US shares, Australian shares, international shares, and the property as well. And that is ultimately was going to kind of maximize that growth for you, and then about 10% in the bottom three. The defensive investments to limit fluctuations a little bit, but the focus is to grow that as much as possible because you do have plenty of time over time. Yep. Now that was all of those attachments. So if you are happy to do so now, William, if you can click on the sign document link, you should see true attachment. Yep. One of them is an ongoing service agreement, and that's just to say that you're happy to stay on as a client, and we can keep servicing you. It is not a locking contract in any way. So if at any point in time you are not happy with the service, there is no lock in contract. Otherwise, that one here allows us to obviously keep you on as a client and keep servicing you. There's no changes to the fees at all. It is just that 1.65 from superannuation, so no changes in regards to the percentage or anything like that. And then it should also be, I think, a tax file number form as well. Yeah. And that's just basically one of those compliance documents to say that we are keeping your tax file number secure on file. So, basically, from here, if you are happy to sign those documents, Once you've signed them, it will then come through to me. I will let the team know, and we'll get that uploaded on your account. If you have any issues signing, let me know because it is, like I said, a little bit different to what it was last time. Great. Perfect. Sometimes it takes a couple of minutes to come through on my end, so I'll keep a lookout on this. Keep a lookout for the the ROA, so that record of advice to show the change in investment for you as well. And I will also get the team to email you out those beneficiary form for your super insurance so we can get that sorted. Perfect. Do you have any other questions, for me otherwise, William, before I let you go? No. Great. Perfect. Well, I will let you go and enjoy your day off. And if you do need anything else, don't hesitate to give me a call. Alright. No problem at all. We'll speak soon. 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morning, William. It's Veronica from Financial. How are you? Good. Thanks.\n\nI had you booked in to quickly go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. 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?\n\nYep. Perfect. And how's your morning been so far? Been busy or just kind of getting started? Oh, nice.\n\nWell, I will try not to take up too much of your of your time. It is just to go over your annual review, and I know we spoke, obviously, to sort out your insurances up not too long ago. So, again, I will try to do this as quickly as I can for you. Now just before I do jump into the annual review, though, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on, or is it just just the the usual review for you? Yep.\n\nGreat. Perfect. Now I'll quickly just run through a bit of an updated fact to see if there's anything that has changed in your life since we spoke last. I'm not sure we'll do it quickly because I'm sure most of the things are fairly up to date. But when it comes to your personal information, I have you down here as a de facto relationship with two financial dependent.\n\nYep. Perfect. I don't actually have your partner's name on file, though. Would you be able to provide that for me? Danielle Thompson.\n\nGreat. Perfect. Yep. Perfect. Great.\n\nThank you. Now I don't also have a next of kin on file. Do you wanna same person. Perfect. And their best contact number?\n\nYep. Thank you. Three four one three. Yep. One nine two.\n\nYep. 845. Great. Perfect. Occupation wise, has anything changed for you?\n\nStill doing the same? Okay. Perfect. Different employer or you just, at a different, like, workshop or something? Okay.\n\nAnd what's your new employer called? And when did you start there? Oh, yeah. You liking it so far? That's good.\n\nStill working full time, though? Yep. Great. Did your income change with that, or is it around that 75? Oh, wow.\n\nNice. 135. Yeah. Okay. So super on top.\n\nDo you get bonuses and stuff on top of that, or is that, like, your base income? Yep. Perfect. And your employer, do they pay the standard 12% contribution as well on that one thirty five? Yep.\n\nYeah. Nice. And you are still not making, like, additional contributions or anything like that, just that from your employer? Yep. Great.\n\nAnd with your new employer, do you have a an enterprise bargain agreement or anything with them or just kind of like the standard contracts? Yep. Perfect. That's a nice little pay increase, though. Now did that make any changes through, like, savings and expenses per week?\n\nDo you know? Yes. Yeah. Now I do have your address here at 6 Rickett Crescent. Has that changed?\n\nYep. What's your new address, and I'll get that updated for you. 37 Of 73. Yep. Centenary Drive?\n\nDrive North. And which suburb is that in? Did you say Middlemount? Yep. Perfect.\n\nStill Queensland? Yep. 4746. Great. Perfect.\n\nI will get that updated for you. You said you're still renting. You just moved to a different rental property? Yeah. Alright.\n\nOtherwise, asset wise, I have here that you have a motor vehicle valid at about 45,000? Yeah. And about 28 owing? Yeah. Oh, perfect.\n\nAnd do you know roughly how much that would be left? Oh, perfect. I'll update that. Do you also have the ute of about 10,000? Yep.\n\nBut you don't have anything owing on that one, do you? No. Perfect. Any other new assets? Otherwise, any other motor vehicles or boats or motorbikes?\n\nYep. How much would that one be worth? Or is there? Yep. Okay.\n\nYep. Anything else? No. Any other liabilities? Personal loans, credit card, SIP pay?\n\nNot perfect. And you've never been declared bankrupt or been under a partner agreement? Not perfect. Now health wise, I have you done her as a nonsmoker? Is that still the case?\n\nPerfect. Yep. Any changes to your health otherwise? Any new medication or new illnesses or injuries or anything? No.\n\nPerfect. And do you have private health insurance? Nope. It might be something to consider or look into a little bit more anyway now when your income is a bit higher, especially with the medical levy surcharge that is applicable for high income earners if you don't have private health insurance. Obviously, you still then have to weigh up the cost of private health insurance, but it is something to kind of be mindful of or or have a look at, especially because you are now in the high income threshold as well.\n\nYep. And, otherwise, estate planning wise, do you have a will in place? Yep. Perfect. Do you know if you made a nomination for power of attorney as well when you got the will?\n\nNo. That's okay. But you don't have anyone who makes any financial decisions on your behalf otherwise? No. Perfect.\n\nAnd are you politically exposed to an income anywhere overseas? No. Great. Now with your super and your insurances as well, I do have here at the moment that we are waiting on the beneficiary forms to come back. So if something were to happen to you, who you want to nominate to receive the funds.\n\nDid you res okay. Maybe because, obviously, you changed when did you move to the new property? Okay. It could have been that it was potentially sent to the old property. So do you have access to your printer at all, William?\n\nYeah. If you're happy to do so, because it makes it a bit quicker, I can get the team to email it to you. Because you are? Yeah. Because it is making a legal nomination, just have to be printed and wet signed and witnessed.\n\nSend it back to us, and then we'll get that uploaded for your super and your insurances as well. Do you know who you would like to nominate? Yep. Yep. And with her as well, because she is your partner, if something were to happen, it would go completely tax free to her as well, which is good.\n\nTax free to her. Yeah. With children, if they're 18, it's tax free. If it's over 18, unless they have there's, like, a disability or they are at uni and stuff like that, they can then be taxed on the benefits that they received. But you are now a little bit younger, aren't they?\n\nYeah. Yeah. Perfect. Yeah. Otherwise, if it does go to your partner, it is tax free irrespective of age or or time frame.\n\nSo I will get the team through email that through you. I'll get them to include a cover letter as well. If you do have any issues on which selections to choose from, let me know because there are a couple of different options that you can select. So you can have a binding and a nonbinding option. So binding basically means that the trustee has to follow your wishes, so it's a lot more certain.\n\nWhereas a nonbinding option just basically tells the trustee that this is what you want to have happened, that they ultimately have say of if they feel that there's someone else that's better suited for it. So binding is more certain in that aspect. And then you also have lapsing and non lapsing. So, lapsing means that you have to complete the form every three years. Non lapsing means that it stays in place until you decide to update or change it.\n\nYep. So, yeah, have a look at those and complete it when you have a moment. Send it back to us, and I will get that uploaded and sorted for you so that's all in place if something ever were to happen to you. Perfect. Now the other thing I do quickly wanna run through, it is just an updated risk profile questionnaire.\n\nIt is just a couple of multiple choice questions to make it nice and easy for you. Some can be a bit tricky. So if it doesn't make sense, let me know. But otherwise, there is no right or wrong answer. And it's kind of thinking about the questions in regards to your superannuation as well.\n\nNow have you ever bought direct shares on the stock market yourself? Yep. Do you still have some investments? No. Okay.\n\nAnd next is kind of I guess at the at the moment, do you know when you would like to start accessing your super or when you're planning on retire? Can seem far away, but do you have any idea when you when you're thinking? No. No. That's okay.\n\nOtherwise, I do have here that last time we spoke. Ideally, you would like to retire at 60 when you can, if you have the option to do so and draw a week weekly income of about $1,000 per week, do you think that would still kind of, be achievable for you? Yep. Yep. Perfect.\n\nNow next is when it comes to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing more, unfortunately. Now how much of a risk are you willing to take in order to try to keep up with your rising prices? Would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk? Moderate.\n\nPerfect. Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens, Or do you think you'd want to shift to a more secure asset? But that means you are then selling when the prices have dropped. Just hold and wait.\n\nPerfect. Yep. Now have you ever noticed your superannuation or any other assets fluctuate and fall in value? If so, how did that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not really making any further investments, concerned, or highly anxious?\n\nJust neutral. Perfect. And the last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. Would you ever consider taking out a loan to buy an investment property?\n\nYep. Perfect. Now that tells me here that you have come out just borderline between a high growth and a growth investor. And at the moment, we have you invested in a high growth portfolio. So do you remember the difference between those two at all?\n\nYep. Perfect. And are you still quite comfortable to remain in the the high growth portfolio, or or what are your thoughts? Yep. Great.\n\nAlso, from a time time frame point of view, you know, when we are looking at a high growth portfolio, we do typically want to allow at least eight years on true retirement to making sure you have enough time in the market for those fluctuations in the short term, which you certainly have behind you. So from a time frame point of view, you are definitely in a good suitable portfolio. So more than happy to leave you there as long as, obviously, you are comfortable with that. Now the last thing I do want to run over here, William, is just to send you a couple of documents to run through with you quickly. Do you have access to your emails on your phone or a computer or anything?\n\nYeah. Okay. Perfect. So I've just sent you an email with a couple of attachments. So let me know when that comes through.\n\nAnd we have recently changed software software as well, so it might look a little bit different to what you would use too. Yes. That's the one. Yes. So before you click on the signature, you will see a couple of attachments.\n\nYou should see a couple of different attachments further down in the email. Can you see those? Yep. Now to make it easier for you, if you wanna tell me the order you can see them, I can just go through them that way. Yep.\n\nSo the the services guide version one and the financial services guide version four, I'll let you have a read over that in your own time. It's one of those compliance documents. You would have seen this before. It is just an updated version. We've had a bit of an extension to the team, which is great.\n\nSo when you have a look at it, you will see us all in there and the new team as well. We've also had a bit of a change to our marketing, so it's just basically an updated version. Same information otherwise. Just all the important information in there for you. They're quite long, so I'll let you have a read over that in your own time.\n\nWhat is the next one you can see? Yep. Yep. And after that one yes. If you wanna open that one for me.\n\nYep. Yep. Perfect. Now you will see at the top pair, your superannuation. It looks a little bit different because we are just in the process.\n\nSo we have requested that final rollover for Australian Retirement Trust already. But because it's obviously with them, sometimes it takes a couple of days for the funds to drop in your Hub 24, which is the only reason why it looks like that. So the we placed them the request, so it's on its way. It could drop tomorrow or today even. But when we had a look yes yesterday, it was still on its way.\n\nSo, otherwise, you will see the the Australian retirement trust come into Hub 24 soon for you, which will obviously boost. Yeah. Does that make sense? Yep. Perfect.\n\nNow underneath that, you will then have your insurances. So you have, obviously, your MetLife insurance, your life and disability insurance, your income protection as well, all paid from within superannuation. You do you do get that 15% tax rebate. So the total premium for all three is $2,600. Now with your income as well, I do wanna just check that you're still happy with your income protection.\n\nBecause your income has gone up quite a bit, there is a little bit of a gap with how much you could be covered for versus what you currently have. Do you still feel if something were to happen to you, do you still think that 4,375 would cover kind of bills and expenses, or do you think you would want to look at increasing the income protection? Yeah. Okay. Perfect.\n\nBecause if you did wanted to increase it at any point, just let me know. It would mean that the policy will get more expensive because you're covered four more, and we would just have to go through the undivided process again, which obviously was finally got that sorted for you, and that's all in place. But if anything ever does change and you wanna have a look at it, let me know. Otherwise, the good thing with the MetLife policy is that within thirty days of the policy anniversary, you can actually increase the the income protection with up to 15% without having to go through any of that underwriting, which is a really good thing with with MetLife. It's just a quick form.\n\nSo I can even get the team to put a little bit of a note through see how you feel within the thirty days of the policy anniversary if you wanna increase it because we can do that without underwriting for up to 15%. Yep. Otherwise, you know, if anything does change, you can always let us know, and we can always look at revisited. But, otherwise, for the time being, we'll leave that all sorted for you. Yep.\n\nPerfect. Now what is the the next one there for you? Yep. Now this one here, it just breaks down your insurance in a bit more detail for you. This basically tells you that everything is paid up to date, and it's just just in a bit more in-depth with the the policy there for you.\n\nWhat is the the next one? Yep. So if you wanna open that one for me, it can be a little bit small potentially on the phone, but this one basically breaks down all your different investments in your hub twenty four accounts and how they Yes. So you'll basically see, yeah, what's happened in the last twelve months, how it's all performed. Now, obviously, you probably would be aware that there's been in the last twelve months, there's been a lot of things happening in the world, which obviously has impacted, obviously, investments and everything like that.\n\nSo, obviously, everything over in The US with Trump and tariffs and everything saw a bit of fluctuation, and then now, obviously, more recently, everything over in The Middle East. Despite all of that, though, your portfolio has still done pretty well given the amount of fluctuations we've kind of had in the market. So yes. And this is also after fees. So after all fees have been deducted from your account and everything like that, Like I said, despite the fluctuations, your portfolio has still gone up 7.2% after fees, which is actually pretty good.\n\nYeah. I do wanna look at swapping one of the investments, though, for you if you are happy with that, and that is that is your Benelon Australian equity. That is the the first one. So this is your managed fund. Can you see that one okay?\n\nYeah. Sorry. The reason yeah. So the reason I wanna swap this one out is that it was when you came on board, it has done really, really well. The purpose of adding this one to your portfolio is that it is a little bit different to your other one in that it is a managed fund.\n\nSo the purpose is through kind of actively buying and selling investments in order to try to outperform the market. That is the function of that one, whereas your other investments are a bit more of your passive style where it is kind of tracking an index. So they've been along Australian equity. Like I said, they had done really well. More recently, they've kind of underperformed a little bit.\n\nAnd one of their contributing factors through it's declining at the moment is that one of their investments in their portfolio, which the corporate travel group, they had a bit of issues with their reporting, which meant that they had to suspend suspend the trading. So that kind of caused the obviously, a pause on trading and caused the investment to fluctuate and fall. So if you are happy for me to do so, I would like to swap that one out for another one. So we wanna make sure that we still have a well worthified portfolio. If I'm swapping an Australian equity fund, I would like to swap it with another Australian equity to give you the same kind of exposure.\n\nWe've done a lot of research on a lot of investments that would still kind of have the same function, be a little bit cheaper, has performed a little bit more. And the one that kind of the investment team has suggested to swap it for is the a 200. It is kind of another investment focusing on the 200 largest companies listed in Australia. So if you are happy with that, because I think overall it's going to put you in a better position moving forward, I will go and make that change. I will send you a a record of advice.\n\nYou don't have to sign it, but it's just for your reference. And it's just to send you the document to show you swapping Ben along just for that one investment. Yep. Yep. Perfect.\n\nSo keep a look at for that email. Like you said, I don't need you don't need to sign anything. And if you are happy for us to go ahead and make that change, I will let the team know to authorize that change once we send you that that document. Yep. Perfect.\n\nNow you should just have one more attachment, I believe, which is their Vanguard index chart. Yep. If you can open that one for me. Yep. Yep.\n\nPerfect. Now this one here has just kind of been added as it is a good representation of what we are talking about when we are talking about the market. So you can kind of see the trends from 1995 up until 2025. You can also see it breaking down into the different asset classes. So when we are talking about your high growth portfolio is where we have about 90% in those top four.\n\nSo The US shares, Australian shares, international shares, and the property as well. And that is ultimately was going to kind of maximize that growth for you, and then about 10% in the bottom three. The defensive investments to limit fluctuations a little bit, but the focus is to grow that as much as possible because you do have plenty of time over time. Yep. Now that was all of those attachments.\n\nSo if you are happy to do so now, William, if you can click on the sign document link, you should see true attachment. Yep. One of them is an ongoing service agreement, and that's just to say that you're happy to stay on as a client, and we can keep servicing you. It is not a locking contract in any way. So if at any point in time you are not happy with the service, there is no lock in contract.\n\nOtherwise, that one here allows us to obviously keep you on as a client and keep servicing you. There's no changes to the fees at all. It is just that 1.65 from superannuation, so no changes in regards to the percentage or anything like that. And then it should also be, I think, a tax file number form as well. Yeah.\n\nAnd that's just basically one of those compliance documents to say that we are keeping your tax file number secure on file. So, basically, from here, if you are happy to sign those documents, Once you've signed them, it will then come through to me. I will let the team know, and we'll get that uploaded on your account. If you have any issues signing, let me know because it is, like I said, a little bit different to what it was last time. Great.\n\nPerfect. Sometimes it takes a couple of minutes to come through on my end, so I'll keep a lookout on this. Keep a lookout for the the ROA, so that record of advice to show the change in investment for you as well. And I will also get the team to email you out those beneficiary form for your super insurance so we can get that sorted. Perfect.\n\nDo you have any other questions, for me otherwise, William, before I let you go? No. Great. Perfect. Well, I will let you go and enjoy your day off.\n\nAnd if you do need anything else, don't hesitate to give me a call. Alright. No problem at all. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, William.","start":3.28,"end":4.16,"sentiment":"positive","sentiment_score":0.5243616700172424},{"text":"It's Veronica from Financial.","start":4.16,"end":5.7,"sentiment":"positive","sentiment_score":0.3671295866370201},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3235394358634949},{"text":"Good.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.5514241456985474},{"text":"Thanks.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.6775058507919312}],"sentiment":"positive","sentiment_score":0.43676263839006424,"num_words":12,"start":3.28,"end":9.46},{"sentences":[{"text":"I had you booked in to quickly go over your annual review.","start":10.32,"end":13.2,"sentiment":"positive","sentiment_score":0.45156654715538025},{"text":"Is now still a good time for you?","start":13.2,"end":14.745,"sentiment":"positive","sentiment_score":0.3821283206343651},{"text":"Yep.","start":17.065,"end":17.545,"sentiment":"neutral","sentiment_score":0.228231281042099},{"text":"Perfect.","start":17.545,"end":18.045,"sentiment":"positive","sentiment_score":0.44892418384552},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.744999,"end":26.125,"sentiment":"neutral","sentiment_score":0.03668666541062553}],"sentiment":"neutral","sentiment_score":0.20033125279873026,"num_words":51,"start":10.32,"end":26.125},{"sentences":[{"text":"Yep.","start":27.32,"end":27.8,"sentiment":"neutral","sentiment_score":0.18441513180732727},{"text":"Perfect.","start":27.8,"end":28.3,"sentiment":"positive","sentiment_score":0.34755560755729675},{"text":"And just to confirm, I am speaking with the right person.","start":28.36,"end":31.32,"sentiment":"neutral","sentiment_score":0.13831160149791025},{"text":"I do have a password on file.","start":31.32,"end":33.0,"sentiment":"neutral","sentiment_score":0.08560530309166227},{"text":"Do you know where that might be?","start":33.0,"end":34.54,"sentiment":"neutral","sentiment_score":0.043791522937161584}],"sentiment":"neutral","sentiment_score":0.10959911622382977,"num_words":27,"start":27.32,"end":34.54},{"sentences":[{"text":"Yep.","start":35.88,"end":36.36,"sentiment":"neutral","sentiment_score":0.08653633296489716},{"text":"Perfect.","start":36.36,"end":36.86,"sentiment":"neutral","sentiment_score":0.25494787096977234},{"text":"And how's your morning been so far?","start":37.0,"end":38.68,"sentiment":"neutral","sentiment_score":0.11452760973146983},{"text":"Been busy or just kind of getting started?","start":38.68,"end":40.7,"sentiment":"neutral","sentiment_score":0.042428794084116817},{"text":"Oh, nice.","start":43.175003,"end":43.915,"sentiment":"neutral","sentiment_score":0.321956992149353}],"sentiment":"neutral","sentiment_score":0.11192220047508415,"num_words":19,"start":35.88,"end":43.915},{"sentences":[{"text":"Well, I will try not to take up too much of your of your time.","start":44.295002,"end":47.915,"sentiment":"neutral","sentiment_score":0.03756290823221207},{"text":"It is just to go over your annual review, and I know we spoke, obviously, to sort out your insurances up not too long ago.","start":48.935,"end":55.515,"sentiment":"neutral","sentiment_score":0.05942611657083034},{"text":"So, again, I will try to do this as quickly as I can for you.","start":55.820004,"end":59.84,"sentiment":"neutral","sentiment_score":0.17753693064053852},{"text":"Now just before I do jump into the annual review, though, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on, or is it just just the the usual review for you?","start":61.18,"end":75.685005,"sentiment":"neutral","sentiment_score":0.006762126392938874},{"text":"Yep.","start":78.065,"end":78.545,"sentiment":"neutral","sentiment_score":0.13404333591461182}],"sentiment":"neutral","sentiment_score":0.04701000707106547,"num_words":111,"start":44.295002,"end":78.545},{"sentences":[{"text":"Great.","start":78.545,"end":78.945,"sentiment":"positive","sentiment_score":0.370394229888916},{"text":"Perfect.","start":78.945,"end":79.445,"sentiment":"positive","sentiment_score":0.3475591838359833},{"text":"Now I'll quickly just run through a bit of an updated fact to see if there's anything that has changed in your life since we spoke last.","start":80.145004,"end":87.62,"sentiment":"neutral","sentiment_score":0.13202475949569983},{"text":"I'm not sure we'll do it quickly because I'm sure most of the things are fairly up to date.","start":87.92,"end":92.42,"sentiment":"neutral","sentiment_score":0.051931288093328476},{"text":"But when it comes to your personal information, I have you down here as a de facto relationship with two financial dependent.","start":93.36,"end":101.025,"sentiment":"neutral","sentiment_score":0.033198258839547634}],"sentiment":"neutral","sentiment_score":0.08570968697645835,"num_words":70,"start":78.545,"end":101.025},{"sentences":[{"text":"Yep.","start":102.284996,"end":102.685,"sentiment":"neutral","sentiment_score":0.0549405924975872},{"text":"Perfect.","start":102.685,"end":103.185,"sentiment":"neutral","sentiment_score":0.1037278026342392},{"text":"I don't actually have your partner's name on file, though.","start":103.805,"end":108.064995,"sentiment":"neutral","sentiment_score":-0.028219100274145602},{"text":"Would you be able to provide that for me?","start":108.604996,"end":110.545,"sentiment":"neutral","sentiment_score":0.020155923027131293},{"text":"Danielle Thompson.","start":115.92,"end":116.979996,"sentiment":"neutral","sentiment_score":0.03346452862024307}],"sentiment":"neutral","sentiment_score":0.005426511168479919,"num_words":23,"start":102.284996,"end":116.979996},{"sentences":[{"text":"Great.","start":117.6,"end":118.1,"sentiment":"neutral","sentiment_score":0.2910919189453125},{"text":"Perfect.","start":118.159996,"end":118.659996,"sentiment":"neutral","sentiment_score":0.2319561243057251},{"text":"Yep.","start":121.68,"end":122.079994,"sentiment":"neutral","sentiment_score":0.10583209991455078},{"text":"Perfect.","start":122.079994,"end":122.56,"sentiment":"neutral","sentiment_score":0.3197246193885803},{"text":"Great.","start":122.56,"end":122.799995,"sentiment":"positive","sentiment_score":0.3989788293838501}],"sentiment":"neutral","sentiment_score":0.26951671838760377,"num_words":5,"start":117.6,"end":122.799995},{"sentences":[{"text":"Thank you.","start":122.799995,"end":123.53999,"sentiment":"positive","sentiment_score":0.34386415779590607},{"text":"Now I don't also have a next of kin on file.","start":125.645004,"end":128.545,"sentiment":"neutral","sentiment_score":-0.05420707809654149},{"text":"Do you wanna same person.","start":129.16501,"end":131.505,"sentiment":"neutral","sentiment_score":-0.02316986247897148},{"text":"Perfect.","start":131.725,"end":132.225,"sentiment":"positive","sentiment_score":0.4233048558235169},{"text":"And their best contact number?","start":132.60501,"end":134.625,"sentiment":"neutral","sentiment_score":0.13157130777835846}],"sentiment":"neutral","sentiment_score":0.04403177245209614,"num_words":24,"start":122.799995,"end":134.625},{"sentences":[{"text":"Yep.","start":139.73999,"end":140.14,"sentiment":"neutral","sentiment_score":0.12867113947868347},{"text":"Thank you.","start":140.14,"end":140.87999,"sentiment":"positive","sentiment_score":0.33937859535217285},{"text":"Three four one three.","start":142.45999,"end":143.42,"sentiment":"neutral","sentiment_score":0.020835408475250006},{"text":"Yep.","start":143.42,"end":143.92,"sentiment":"neutral","sentiment_score":0.014893940649926662},{"text":"One nine two.","start":145.98,"end":147.26,"sentiment":"neutral","sentiment_score":0.009237713801364103}],"sentiment":"neutral","sentiment_score":0.08485245873982256,"num_words":11,"start":139.73999,"end":147.26},{"sentences":[{"text":"Yep.","start":147.26,"end":147.76,"sentiment":"neutral","sentiment_score":0.014964938163757324},{"text":"845.","start":149.995,"end":151.215,"sentiment":"neutral","sentiment_score":0.02764081582427025},{"text":"Great.","start":151.275,"end":151.75499,"sentiment":"positive","sentiment_score":0.43283891677856445},{"text":"Perfect.","start":151.75499,"end":152.25499,"sentiment":"positive","sentiment_score":0.35964852571487427},{"text":"Occupation wise, has anything changed for 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do you have access to your printer at all, William?","start":511.34998,"end":514.005,"sentiment":"neutral","sentiment_score":0.009463312104344368}],"sentiment":"neutral","sentiment_score":-0.023967267768014045,"num_words":42,"start":493.525,"end":514.005},{"sentences":[{"text":"Yeah.","start":515.525,"end":516.025,"sentiment":"neutral","sentiment_score":0.07782955467700958},{"text":"If you're happy to do so, because it makes it a bit quicker, I can get the team to email it to you.","start":516.645,"end":521.78503,"sentiment":"neutral","sentiment_score":0.24605643878812375},{"text":"Because you are?","start":523.045,"end":523.84503,"sentiment":"neutral","sentiment_score":0.10738555341959},{"text":"Yeah.","start":523.84503,"end":524.245,"sentiment":"neutral","sentiment_score":0.14564386010169983},{"text":"Because it is making a legal nomination, just have to be printed and wet signed and witnessed.","start":524.245,"end":529.86,"sentiment":"neutral","sentiment_score":0.21992677187218385}],"sentiment":"neutral","sentiment_score":0.22097073975536557,"num_words":45,"start":515.525,"end":529.86},{"sentences":[{"text":"Send it back to us, and then we'll get that uploaded for your super and your insurances as well.","start":530.72003,"end":535.3,"sentiment":"neutral","sentiment_score":0.23976578524238185},{"text":"Do you know who you would like to nominate?","start":537.2,"end":539.62,"sentiment":"neutral","sentiment_score":0.13241054862737656},{"text":"Yep.","start":544.735,"end":545.235,"sentiment":"neutral","sentiment_score":0.09889326989650726},{"text":"Yep.","start":545.695,"end":546.195,"sentiment":"neutral","sentiment_score":0.20411193370819092},{"text":"And with her as well, because she is your partner, if something were to happen, it would go completely tax free to her as well, which is good.","start":546.65497,"end":554.31,"sentiment":"neutral","sentiment_score":0.32966225115316256}],"sentiment":"neutral","sentiment_score":0.2634619498818085,"num_words":58,"start":530.72003,"end":554.31},{"sentences":[{"text":"Tax free to her.","start":556.23,"end":557.35,"sentiment":"neutral","sentiment_score":0.27593106776475906},{"text":"Yeah.","start":557.35,"end":557.67,"sentiment":"neutral","sentiment_score":0.15820935368537903},{"text":"With children, if they're 18, it's tax free.","start":557.67,"end":560.95,"sentiment":"neutral","sentiment_score":0.1370722227729857},{"text":"If it's over 18, unless they have there's, like, a disability or they are at uni and stuff like that, they can then be taxed on the benefits that they received.","start":560.95,"end":571.855,"sentiment":"neutral","sentiment_score":0.00867504192959337},{"text":"But you are now a little bit younger, aren't they?","start":572.475,"end":575.295,"sentiment":"neutral","sentiment_score":0.013721324037760496}],"sentiment":"neutral","sentiment_score":0.0511972397615426,"num_words":54,"start":556.23,"end":575.295},{"sentences":[{"text":"Yeah.","start":577.19495,"end":577.69495,"sentiment":"neutral","sentiment_score":0.10429030656814577},{"text":"Yeah.","start":579.355,"end":579.75494,"sentiment":"positive","sentiment_score":0.3416202664375305},{"text":"Perfect.","start":579.75494,"end":580.25494,"sentiment":"positive","sentiment_score":0.6160997748374939},{"text":"Yeah.","start":580.31494,"end":580.475,"sentiment":"positive","sentiment_score":0.4099903106689453},{"text":"Otherwise, if it does go to your partner, it is tax free irrespective of age or or time frame.","start":580.475,"end":586.46,"sentiment":"neutral","sentiment_score":0.3159647991782741}],"sentiment":"neutral","sentiment_score":0.32501442795214447,"num_words":23,"start":577.19495,"end":586.46},{"sentences":[{"text":"So I will get the team through email that through you.","start":587.16003,"end":590.76,"sentiment":"neutral","sentiment_score":0.28143360804427753},{"text":"I'll get them to include a cover letter as well.","start":590.76,"end":593.26,"sentiment":"neutral","sentiment_score":0.24612819999456406},{"text":"If you do have any issues on which selections to choose from, let me know because there are a couple of different options that you can select.","start":593.56006,"end":602.675,"sentiment":"neutral","sentiment_score":0.09670565622272315},{"text":"So you can have a binding and a nonbinding option.","start":602.895,"end":606.835,"sentiment":"neutral","sentiment_score":0.05816617906093598},{"text":"So binding basically means that the trustee has to follow your wishes, so it's a lot more certain.","start":607.055,"end":612.275,"sentiment":"neutral","sentiment_score":0.09653090313076973}],"sentiment":"neutral","sentiment_score":0.13799108491328202,"num_words":76,"start":587.16003,"end":612.275},{"sentences":[{"text":"Whereas a nonbinding option just basically tells the trustee that this is what you want to have happened, that they ultimately have say of if they feel that there's someone else that's better suited for it.","start":612.85004,"end":624.71,"sentiment":"neutral","sentiment_score":-0.03695851357446776},{"text":"So binding is more certain in that aspect.","start":624.77,"end":627.91003,"sentiment":"neutral","sentiment_score":-0.004226545570418239},{"text":"And then you also have lapsing and non lapsing.","start":628.885,"end":631.865,"sentiment":"neutral","sentiment_score":0.06349013331863615},{"text":"So, lapsing means that you have to complete the form every three years.","start":632.005,"end":636.185,"sentiment":"neutral","sentiment_score":0.07389652471129711},{"text":"Non lapsing means that it stays in place until you decide to update or change it.","start":636.96497,"end":641.545,"sentiment":"neutral","sentiment_score":0.05135387391783297}],"sentiment":"neutral","sentiment_score":0.012065965250679633,"num_words":82,"start":612.85004,"end":641.545},{"sentences":[{"text":"Yep.","start":642.78,"end":643.28,"sentiment":"neutral","sentiment_score":0.13535670936107635},{"text":"So, yeah, have a look at those and complete it when you have a moment.","start":643.66003,"end":646.56,"sentiment":"neutral","sentiment_score":0.19928957720597584},{"text":"Send it back to us, and I will get that uploaded and sorted for you so that's all in place if something ever were to happen to you.","start":647.34,"end":654.255,"sentiment":"neutral","sentiment_score":0.2800053416618279},{"text":"Perfect.","start":656.175,"end":656.675,"sentiment":"positive","sentiment_score":0.6042406558990479},{"text":"Now the other thing I do quickly wanna run through, it is just an updated risk profile questionnaire.","start":656.975,"end":661.875,"sentiment":"neutral","sentiment_score":0.27397530774275464}],"sentiment":"neutral","sentiment_score":0.2619150179246115,"num_words":63,"start":642.78,"end":661.875},{"sentences":[{"text":"It is just a couple of multiple choice questions to make it nice and easy for you.","start":661.935,"end":666.275,"sentiment":"positive","sentiment_score":0.3811681410845588},{"text":"Some can be a bit tricky.","start":667.20996,"end":668.57,"sentiment":"neutral","sentiment_score":-0.15527070437868437},{"text":"So if it doesn't make sense, let me know.","start":668.57,"end":671.05,"sentiment":"neutral","sentiment_score":-0.13477303253279793},{"text":"But otherwise, there is no right or wrong answer.","start":671.05,"end":673.52997,"sentiment":"neutral","sentiment_score":-0.20422863380776513},{"text":"And it's kind of thinking about the questions in regards to your superannuation as well.","start":673.52997,"end":678.11,"sentiment":"neutral","sentiment_score":-0.002352456375956535}],"sentiment":"neutral","sentiment_score":0.04396307731180319,"num_words":56,"start":661.935,"end":678.11},{"sentences":[{"text":"Now have you ever bought direct shares on the stock market yourself?","start":679.945,"end":683.485,"sentiment":"neutral","sentiment_score":0.07602422777563334},{"text":"Yep.","start":685.065,"end":685.385,"sentiment":"neutral","sentiment_score":0.09012486040592194},{"text":"Do you still have some investments?","start":685.385,"end":688.205,"sentiment":"neutral","sentiment_score":0.048349600906173386},{"text":"No.","start":689.945,"end":690.445,"sentiment":"neutral","sentiment_score":-0.09080664813518524},{"text":"Okay.","start":690.505,"end":691.005,"sentiment":"neutral","sentiment_score":-0.03366318345069885}],"sentiment":"neutral","sentiment_score":0.05562111274117515,"num_words":21,"start":679.945,"end":691.005},{"sentences":[{"text":"And next is kind of I guess at the at the moment, do you know when you would like to start accessing your super or when you're planning on retire?","start":694.2,"end":703.18,"sentiment":"neutral","sentiment_score":-0.024682967954625688},{"text":"Can seem far away, but do you have any idea when you when you're thinking?","start":703.4,"end":707.42,"sentiment":"neutral","sentiment_score":-0.0707151378194491},{"text":"No.","start":709.45496,"end":709.95496,"sentiment":"neutral","sentiment_score":-0.100891575217247},{"text":"No.","start":710.495,"end":710.735,"sentiment":"neutral","sentiment_score":-0.13254724442958832},{"text":"That's okay.","start":710.735,"end":711.555,"sentiment":"neutral","sentiment_score":-0.032177409157156944}],"sentiment":"neutral","sentiment_score":-0.04283693354880931,"num_words":49,"start":694.2,"end":711.555},{"sentences":[{"text":"Otherwise, I do have here that last time we spoke.","start":712.735,"end":715.71497,"sentiment":"neutral","sentiment_score":0.14759279787540436},{"text":"Ideally, you would like to retire at 60 when you can, if you have the option to do so and draw a week weekly income of about $1,000 per week, do you think that would still kind of, be achievable for you?","start":716.65497,"end":730.21,"sentiment":"neutral","sentiment_score":0.1513525407229151},{"text":"Yep.","start":732.03,"end":732.53,"sentiment":"neutral","sentiment_score":0.08564774692058563},{"text":"Yep.","start":733.15,"end":733.63,"sentiment":"neutral","sentiment_score":0.1197412610054016},{"text":"Perfect.","start":733.63,"end":734.13,"sentiment":"positive","sentiment_score":0.37640613317489624}],"sentiment":"neutral","sentiment_score":0.1529914514584975,"num_words":55,"start":712.735,"end":734.13},{"sentences":[{"text":"Now next is when it comes to inflation.","start":736.68506,"end":739.585,"sentiment":"neutral","sentiment_score":0.04202047945000231},{"text":"So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing more, unfortunately.","start":739.885,"end":747.98505,"sentiment":"neutral","sentiment_score":-0.1347585372965444},{"text":"Now how much of a risk are you willing to take in order to try to keep up with your rising prices?","start":749.12,"end":755.38,"sentiment":"neutral","sentiment_score":-0.12121204557743939},{"text":"Would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk?","start":756.16,"end":762.89996,"sentiment":"neutral","sentiment_score":-0.06515577009746007},{"text":"Moderate.","start":764.825,"end":765.325,"sentiment":"neutral","sentiment_score":0.05629971623420715}],"sentiment":"neutral","sentiment_score":-0.08928595193837946,"num_words":74,"start":736.68506,"end":765.325},{"sentences":[{"text":"Perfect.","start":766.265,"end":766.765,"sentiment":"positive","sentiment_score":0.3475115895271301},{"text":"Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start":769.545,"end":782.6,"sentiment":"neutral","sentiment_score":-0.2708722294280023},{"text":"Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens, Or do you think you'd want to shift to a more secure asset?","start":783.54,"end":797.875,"sentiment":"neutral","sentiment_score":-0.1275915122844956},{"text":"But that means you are then selling when the prices have dropped.","start":798.255,"end":801.075,"sentiment":"neutral","sentiment_score":-0.27873070413867634},{"text":"Just hold and wait.","start":805.055,"end":806.435,"sentiment":"neutral","sentiment_score":-0.13550181686878204}],"sentiment":"neutral","sentiment_score":-0.1856721988036519,"num_words":105,"start":766.265,"end":806.435},{"sentences":[{"text":"Perfect.","start":806.88,"end":807.38,"sentiment":"neutral","sentiment_score":0.3187566101551056},{"text":"Yep.","start":807.68,"end":808.18,"sentiment":"neutral","sentiment_score":0.15974381566047668},{"text":"Now have you ever noticed your superannuation or any other assets fluctuate and fall in value?","start":810.0,"end":818.58,"sentiment":"neutral","sentiment_score":0.00010856363223865628},{"text":"If so, how did that make you feel?","start":819.925,"end":822.985,"sentiment":"neutral","sentiment_score":0.09508746024221182},{"text":"Would you say optimistic about potential future opportunities, a bit more kind of neutral, not really making any further investments, concerned, or highly anxious?","start":823.125,"end":834.43,"sentiment":"neutral","sentiment_score":0.012158279617627462}],"sentiment":"neutral","sentiment_score":0.03065471673384309,"num_words":50,"start":806.88,"end":834.43},{"sentences":[{"text":"Just neutral.","start":836.49,"end":837.23,"sentiment":"neutral","sentiment_score":0.007731340825557709},{"text":"Perfect.","start":837.37,"end":837.87,"sentiment":"neutral","sentiment_score":0.0013530125143006444},{"text":"And the last one here is, would you ever consider taking out a loan to invest in stocks or funds?","start":838.00995,"end":843.87,"sentiment":"neutral","sentiment_score":-0.025781264435499905},{"text":"No.","start":845.46497,"end":845.785,"sentiment":"neutral","sentiment_score":-0.13346904516220093},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":845.785,"end":848.845,"sentiment":"neutral","sentiment_score":-0.07933883082408172}],"sentiment":"neutral","sentiment_score":-0.044964417308644464,"num_words":37,"start":836.49,"end":848.845},{"sentences":[{"text":"Yep.","start":850.505,"end":851.005,"sentiment":"neutral","sentiment_score":0.201527938246727},{"text":"Perfect.","start":851.225,"end":851.725,"sentiment":"positive","sentiment_score":0.4906289279460907},{"text":"Now that tells me here that you have come out just borderline between a high growth and a growth investor.","start":853.065,"end":859.565,"sentiment":"neutral","sentiment_score":0.19246974885463713},{"text":"And at the moment, we have you invested in a high growth portfolio.","start":860.52997,"end":864.07,"sentiment":"neutral","sentiment_score":0.08806499380331773},{"text":"So do you remember the difference between those two at all?","start":865.17,"end":868.07,"sentiment":"neutral","sentiment_score":0.009543053805828094}],"sentiment":"neutral","sentiment_score":0.12589935553462608,"num_words":46,"start":850.505,"end":868.07},{"sentences":[{"text":"Yep.","start":869.08997,"end":869.57,"sentiment":"neutral","sentiment_score":0.12861010432243347},{"text":"Perfect.","start":869.57,"end":870.07,"sentiment":"positive","sentiment_score":0.3821057081222534},{"text":"And are you still quite comfortable to remain in the the high growth portfolio, or or what are your thoughts?","start":870.61,"end":877.565,"sentiment":"neutral","sentiment_score":0.16424002535641194},{"text":"Yep.","start":879.545,"end":879.865,"sentiment":"positive","sentiment_score":0.36875733733177185},{"text":"Great.","start":879.865,"end":880.365,"sentiment":"positive","sentiment_score":0.6320003271102905}],"sentiment":"neutral","sentiment_score":0.19984474933395782,"num_words":24,"start":869.08997,"end":880.365},{"sentences":[{"text":"Also, from a time time frame point of view, you know, when we are looking at a high growth portfolio, we do typically want to allow at least eight years on true retirement to making sure you have enough time in the market for those fluctuations in the short term, which you certainly have behind you.","start":880.985,"end":897.16,"sentiment":"neutral","sentiment_score":0.25538782868534327},{"text":"So from a time frame point of view, you are definitely in a good suitable portfolio.","start":897.38,"end":901.4,"sentiment":"positive","sentiment_score":0.4880501963198185},{"text":"So more than happy to leave you there as long as, obviously, you are comfortable with that.","start":902.30505,"end":906.24506,"sentiment":"positive","sentiment_score":0.5295505891827976},{"text":"Now the last thing I do want to run over here, William, is just to send you a couple of documents to run through with you quickly.","start":907.505,"end":914.085,"sentiment":"neutral","sentiment_score":0.0863735615103333},{"text":"Do you have access to your emails on your phone or a computer or anything?","start":914.88,"end":919.30005,"sentiment":"neutral","sentiment_score":0.014189510916670164}],"sentiment":"neutral","sentiment_score":0.25692985029109106,"num_words":131,"start":880.985,"end":919.30005},{"sentences":[{"text":"Yeah.","start":921.60004,"end":921.92004,"sentiment":"neutral","sentiment_score":0.11715895682573318},{"text":"Okay.","start":921.92004,"end":922.24005,"sentiment":"neutral","sentiment_score":0.16964390873908997},{"text":"Perfect.","start":922.24005,"end":922.74005,"sentiment":"neutral","sentiment_score":0.2617225646972656},{"text":"So I've just sent you an email with a couple of attachments.","start":922.88,"end":928.53503,"sentiment":"neutral","sentiment_score":0.13957422350843748},{"text":"So let me know when that comes through.","start":928.91504,"end":931.075,"sentiment":"neutral","sentiment_score":0.11640157364308834}],"sentiment":"neutral","sentiment_score":0.13715776963078458,"num_words":23,"start":921.60004,"end":931.075},{"sentences":[{"text":"And we have recently changed software software as well, so it might look a little bit different to what you would use too.","start":931.075,"end":938.135,"sentiment":"neutral","sentiment_score":0.04087005717598874},{"text":"Yes.","start":942.69,"end":943.08997,"sentiment":"neutral","sentiment_score":0.04814320430159569},{"text":"That's the one.","start":943.08997,"end":944.06995,"sentiment":"neutral","sentiment_score":0.04125034684936205},{"text":"Yes.","start":946.44995,"end":946.76996,"sentiment":"neutral","sentiment_score":0.060462795197963715},{"text":"So before you click on the signature, you will see a couple of attachments.","start":946.76996,"end":952.57495,"sentiment":"neutral","sentiment_score":0.057989995660526414}],"sentiment":"neutral","sentiment_score":0.047243530817684676,"num_words":42,"start":931.075,"end":952.57495},{"sentences":[{"text":"You should see a couple of different attachments further down in the email.","start":952.57495,"end":956.415,"sentiment":"neutral","sentiment_score":0.06879021857793514},{"text":"Can you see those?","start":956.415,"end":957.475,"sentiment":"neutral","sentiment_score":0.05502616986632347},{"text":"Yep.","start":961.295,"end":961.795,"sentiment":"neutral","sentiment_score":0.13578206300735474},{"text":"Now to make it easier for you, if you wanna tell me the order you can see them, I can just go through them that way.","start":962.095,"end":967.795,"sentiment":"neutral","sentiment_score":0.17329173449140328},{"text":"Yep.","start":972.44,"end":972.94,"sentiment":"neutral","sentiment_score":0.023284923285245895}],"sentiment":"neutral","sentiment_score":0.12842288008994526,"num_words":45,"start":952.57495,"end":972.94},{"sentences":[{"text":"So the the services guide version one and the financial services guide version four, I'll let you have a read over that in your own time.","start":973.0,"end":982.62,"sentiment":"neutral","sentiment_score":0.08611798272109948},{"text":"It's one of those compliance documents.","start":982.955,"end":984.635,"sentiment":"neutral","sentiment_score":0.08462155610322952},{"text":"You would have seen this before.","start":984.635,"end":986.235,"sentiment":"neutral","sentiment_score":0.13583491742610931},{"text":"It is just an updated version.","start":986.235,"end":988.015,"sentiment":"neutral","sentiment_score":0.2595422938466072},{"text":"We've had a bit of an extension to the team, which is great.","start":988.395,"end":991.035,"sentiment":"positive","sentiment_score":0.6839233132509085}],"sentiment":"neutral","sentiment_score":0.24579058293449252,"num_words":57,"start":973.0,"end":991.035},{"sentences":[{"text":"So when you have a look at it, you will see us all in there and the new team as well.","start":991.035,"end":995.455,"sentiment":"positive","sentiment_score":0.37344822713306974},{"text":"We've also had a bit of a change to our marketing, so it's just basically an updated version.","start":995.68,"end":999.78,"sentiment":"neutral","sentiment_score":0.09198413002822134},{"text":"Same information otherwise.","start":1000.24,"end":1001.60004,"sentiment":"neutral","sentiment_score":0.08420536667108536},{"text":"Just all the important information in there for you.","start":1001.60004,"end":1004.0,"sentiment":"neutral","sentiment_score":0.2047389182779524},{"text":"They're quite long, so I'll let you have a read over that in your own time.","start":1004.0,"end":1007.46,"sentiment":"neutral","sentiment_score":0.0026843036175705492}],"sentiment":"neutral","sentiment_score":0.17367675123430454,"num_words":67,"start":991.035,"end":1007.46},{"sentences":[{"text":"What is the next one you can see?","start":1009.055,"end":1010.75494,"sentiment":"neutral","sentiment_score":0.017378989374265075},{"text":"Yep.","start":1015.69495,"end":1016.19495,"sentiment":"neutral","sentiment_score":0.015776051208376884},{"text":"Yep.","start":1017.69495,"end":1017.935,"sentiment":"neutral","sentiment_score":0.033671822398900986},{"text":"And after that one yes.","start":1017.935,"end":1024.4299,"sentiment":"neutral","sentiment_score":0.03328676074743271},{"text":"If you wanna open that one for me.","start":1024.4299,"end":1026.29,"sentiment":"neutral","sentiment_score":0.047430099453777075}],"sentiment":"neutral","sentiment_score":0.03192845165081646,"num_words":23,"start":1009.055,"end":1026.29},{"sentences":[{"text":"Yep.","start":1029.55,"end":1030.05,"sentiment":"neutral","sentiment_score":0.050627246499061584},{"text":"Yep.","start":1035.6449,"end":1036.125,"sentiment":"neutral","sentiment_score":0.12523671984672546},{"text":"Perfect.","start":1036.125,"end":1036.625,"sentiment":"positive","sentiment_score":0.38104867935180664},{"text":"Now you will see at the top pair, your superannuation.","start":1037.725,"end":1040.865,"sentiment":"neutral","sentiment_score":0.17043668776750565},{"text":"It looks a little bit different because we are just in the process.","start":1041.1649,"end":1045.0049,"sentiment":"neutral","sentiment_score":0.04818606262023632}],"sentiment":"neutral","sentiment_score":0.1110653206706047,"num_words":26,"start":1029.55,"end":1045.0049},{"sentences":[{"text":"So we have requested that final rollover for Australian Retirement Trust already.","start":1045.0049,"end":1049.36,"sentiment":"neutral","sentiment_score":0.07016204825292031},{"text":"But because it's obviously with them, sometimes it takes a couple of days for the funds to drop in your Hub 24, which is the only reason why it looks like that.","start":1050.3,"end":1058.54,"sentiment":"neutral","sentiment_score":-0.01206691499100998},{"text":"So the we placed them the request, so it's on its way.","start":1058.54,"end":1061.74,"sentiment":"neutral","sentiment_score":0.15056022256612778},{"text":"It could drop tomorrow or today even.","start":1061.74,"end":1063.985,"sentiment":"neutral","sentiment_score":-0.013698548078536987},{"text":"But when we had a look yes yesterday, it was still on its way.","start":1064.2051,"end":1067.265,"sentiment":"neutral","sentiment_score":0.09864821045526437}],"sentiment":"neutral","sentiment_score":0.04607416986935325,"num_words":77,"start":1045.0049,"end":1067.265},{"sentences":[{"text":"So, otherwise, you will see the the Australian retirement trust come into Hub 24 soon for you, which will obviously boost.","start":1067.645,"end":1075.265,"sentiment":"neutral","sentiment_score":0.07453412243298121},{"text":"Yeah.","start":1075.6699,"end":1076.07,"sentiment":"neutral","sentiment_score":0.04925643280148506},{"text":"Does that make sense?","start":1076.07,"end":1077.21,"sentiment":"neutral","sentiment_score":0.06284293718636036},{"text":"Yep.","start":1078.15,"end":1078.5499,"sentiment":"neutral","sentiment_score":0.1455981582403183},{"text":"Perfect.","start":1078.5499,"end":1079.0499,"sentiment":"neutral","sentiment_score":0.31610095500946045}],"sentiment":"neutral","sentiment_score":0.08312656663890396,"num_words":28,"start":1067.645,"end":1079.0499},{"sentences":[{"text":"Now underneath that, you will then have your insurances.","start":1079.99,"end":1082.73,"sentiment":"neutral","sentiment_score":0.1246733350886239},{"text":"So you have, obviously, your MetLife insurance, your life and disability insurance, your income protection as well, all paid from within superannuation.","start":1083.03,"end":1093.645,"sentiment":"neutral","sentiment_score":0.14315140755339104},{"text":"You do you do get that 15% tax rebate.","start":1094.585,"end":1097.8049,"sentiment":"neutral","sentiment_score":0.23783388568295372},{"text":"So the total premium for all three is $2,600.","start":1097.945,"end":1102.525,"sentiment":"neutral","sentiment_score":0.19346409870518577},{"text":"Now with your income as well, I do wanna just check that you're still happy with your income protection.","start":1103.63,"end":1108.21,"sentiment":"neutral","sentiment_score":0.23413510816661934}],"sentiment":"neutral","sentiment_score":0.18531823377398884,"num_words":68,"start":1079.99,"end":1108.21},{"sentences":[{"text":"Because your income has gone up quite a bit, there is a little bit of a gap with how much you could be covered for versus what you currently have.","start":1108.9099,"end":1119.2351,"sentiment":"neutral","sentiment_score":-0.08716734672586123},{"text":"Do you still feel if something were to happen to you, do you still think that 4,375 would cover kind of bills and expenses, or do you think you would want to look at increasing the income protection?","start":1121.055,"end":1133.5599,"sentiment":"neutral","sentiment_score":-0.027730037948410762},{"text":"Yeah.","start":1135.22,"end":1135.5399,"sentiment":"neutral","sentiment_score":0.10969628393650056},{"text":"Okay.","start":1135.5399,"end":1135.94,"sentiment":"neutral","sentiment_score":0.1856849491596222},{"text":"Perfect.","start":1135.94,"end":1136.44,"sentiment":"positive","sentiment_score":0.4076429605484009}],"sentiment":"neutral","sentiment_score":-0.04177095281930877,"num_words":71,"start":1108.9099,"end":1136.44},{"sentences":[{"text":"Because if you did wanted to increase it at any point, just let me know.","start":1136.6599,"end":1140.84,"sentiment":"neutral","sentiment_score":0.1934226021170616},{"text":"It would mean that the policy will get more expensive because you're covered four more, and we would just have to go through the undivided process again, which obviously was finally got that sorted for you, and that's all in place.","start":1140.965,"end":1153.59,"sentiment":"neutral","sentiment_score":0.16178660385492372},{"text":"But if anything ever does change and you wanna have a look at it, let me know.","start":1153.75,"end":1158.97,"sentiment":"neutral","sentiment_score":0.08160246141693171},{"text":"Otherwise, the good thing with the MetLife policy is that within thirty days of the policy anniversary, you can actually increase the the income protection with up to 15% without having to go through any of that underwriting, which is a really good thing with with MetLife.","start":1159.4299,"end":1176.875,"sentiment":"positive","sentiment_score":0.6262134256515097},{"text":"It's just a quick form.","start":1176.875,"end":1178.1749,"sentiment":"positive","sentiment_score":0.6368941545486451}],"sentiment":"positive","sentiment_score":0.3483066672980785,"num_words":125,"start":1136.6599,"end":1178.1749},{"sentences":[{"text":"So I can even get the team to put a little bit of a note through see how you feel within the thirty days of the policy anniversary if you wanna increase it because we can do that without underwriting for up to 15%.","start":1178.635,"end":1192.5,"sentiment":"positive","sentiment_score":0.3722906026311896},{"text":"Yep.","start":1194.335,"end":1194.835,"sentiment":"neutral","sentiment_score":0.1691112220287323},{"text":"Otherwise, you know, if anything does change, you can always let us know, and we can always look at revisited.","start":1195.215,"end":1199.715,"sentiment":"neutral","sentiment_score":0.1551658485084772},{"text":"But, otherwise, for the time being, we'll leave that all sorted for you.","start":1199.855,"end":1202.675,"sentiment":"neutral","sentiment_score":0.15388081738582024},{"text":"Yep.","start":1203.935,"end":1204.435,"sentiment":"neutral","sentiment_score":0.1487630009651184}],"sentiment":"neutral","sentiment_score":0.27598010550571395,"num_words":79,"start":1178.635,"end":1204.435},{"sentences":[{"text":"Perfect.","start":1204.5751,"end":1205.0751,"sentiment":"neutral","sentiment_score":0.2847292423248291},{"text":"Now what is the the next one there for you?","start":1205.135,"end":1207.635,"sentiment":"neutral","sentiment_score":0.07903407961130142},{"text":"Yep.","start":1210.3301,"end":1210.81,"sentiment":"neutral","sentiment_score":0.09308755397796632},{"text":"Now this one here, it just breaks down your insurance in a bit more detail for you.","start":1210.81,"end":1215.79,"sentiment":"neutral","sentiment_score":0.13836523671360576},{"text":"This basically tells you that everything is paid up to date, and it's just just in a bit more in-depth with the the policy there for you.","start":1215.85,"end":1223.085,"sentiment":"neutral","sentiment_score":0.1920787482349961}],"sentiment":"neutral","sentiment_score":0.1554730860516429,"num_words":56,"start":1204.5751,"end":1223.085},{"sentences":[{"text":"What is the the next one?","start":1225.325,"end":1227.0249,"sentiment":"neutral","sentiment_score":0.045107657400270305},{"text":"Yep.","start":1229.325,"end":1229.725,"sentiment":"neutral","sentiment_score":0.0642189159989357},{"text":"So if you wanna open that one for me, it can be a little bit small potentially on the phone, but this one basically breaks down all your different investments in your hub twenty four accounts and how they Yes.","start":1229.725,"end":1245.5801,"sentiment":"neutral","sentiment_score":0.0920819740742445},{"text":"So you'll basically see, yeah, what's happened in the last twelve months, how it's all performed.","start":1247.0801,"end":1252.0651,"sentiment":"neutral","sentiment_score":0.10680104745551944},{"text":"Now, obviously, you probably would be aware that there's been in the last twelve months, there's been a lot of things happening in the world, which obviously has impacted, obviously, investments and everything like that.","start":1252.525,"end":1262.765,"sentiment":"neutral","sentiment_score":-0.05936958800469126}],"sentiment":"neutral","sentiment_score":0.03723494900504545,"num_words":98,"start":1225.325,"end":1262.765},{"sentences":[{"text":"So, obviously, everything over in The US with Trump and tariffs and everything saw a bit of fluctuation, and then now, obviously, more recently, everything over in The Middle East.","start":1262.765,"end":1271.61,"sentiment":"neutral","sentiment_score":-0.06337014796833197},{"text":"Despite all of that, though, your portfolio has still done pretty well given the amount of fluctuations we've kind of had in the market.","start":1272.7899,"end":1281.525,"sentiment":"neutral","sentiment_score":0.22608890601744255},{"text":"So yes.","start":1282.385,"end":1285.205,"sentiment":"neutral","sentiment_score":0.19448520243167877},{"text":"And this is also after fees.","start":1285.665,"end":1288.005,"sentiment":"neutral","sentiment_score":0.07191133374969165},{"text":"So after all fees have been deducted from your account and everything like that, Like I said, despite the fluctuations, your portfolio has still gone up 7.2% after fees, which is actually pretty good.","start":1288.0651,"end":1302.62,"sentiment":"neutral","sentiment_score":0.2897020210238064}],"sentiment":"neutral","sentiment_score":0.1478680877868707,"num_words":96,"start":1262.765,"end":1302.62},{"sentences":[{"text":"Yeah.","start":1304.52,"end":1305.02,"sentiment":"neutral","sentiment_score":0.20028814673423767},{"text":"I do wanna look at swapping one of the investments, though, for you if you are happy with that, and that is that is your Benelon Australian equity.","start":1305.72,"end":1314.155,"sentiment":"neutral","sentiment_score":0.10361322075394648},{"text":"That is the the first one.","start":1314.155,"end":1315.595,"sentiment":"neutral","sentiment_score":0.06586846647163232},{"text":"So this is your managed fund.","start":1315.595,"end":1317.535,"sentiment":"neutral","sentiment_score":0.05876976934572061},{"text":"Can you see that one okay?","start":1318.555,"end":1319.935,"sentiment":"neutral","sentiment_score":0.04496533175309499}],"sentiment":"neutral","sentiment_score":0.08763999432483886,"num_words":47,"start":1304.52,"end":1319.935},{"sentences":[{"text":"Yeah.","start":1321.85,"end":1322.1699,"sentiment":"neutral","sentiment_score":0.03965989500284195},{"text":"Sorry.","start":1322.1699,"end":1322.57,"sentiment":"neutral","sentiment_score":0.004839280620217323},{"text":"The reason yeah.","start":1322.57,"end":1324.57,"sentiment":"neutral","sentiment_score":-0.008083670089642206},{"text":"So the reason I wanna swap this one out is that it was when you came on board, it has done really, really well.","start":1324.57,"end":1330.59,"sentiment":"neutral","sentiment_score":0.3073265670488278},{"text":"The purpose of adding this one to your portfolio is that it is a little bit different to your other one in that it is a managed fund.","start":1330.65,"end":1338.0751,"sentiment":"neutral","sentiment_score":0.17375846553061688}],"sentiment":"neutral","sentiment_score":0.2151109264804083,"num_words":57,"start":1321.85,"end":1338.0751},{"sentences":[{"text":"So the purpose is through kind of actively buying and selling investments in order to try to outperform the market.","start":1338.0751,"end":1344.495,"sentiment":"neutral","sentiment_score":0.16928183995187282},{"text":"That is the function of that one, whereas your other investments are a bit more of your passive style where it is kind of tracking an index.","start":1345.035,"end":1352.97,"sentiment":"neutral","sentiment_score":0.0731076827203786},{"text":"So they've been along Australian equity.","start":1353.59,"end":1355.91,"sentiment":"neutral","sentiment_score":0.10271401951710384},{"text":"Like I said, they had done really well.","start":1355.91,"end":1357.85,"sentiment":"neutral","sentiment_score":0.1917806500568986},{"text":"More recently, they've kind of underperformed a little bit.","start":1357.91,"end":1361.61,"sentiment":"neutral","sentiment_score":-0.04336605221033096}],"sentiment":"neutral","sentiment_score":0.10171112971646445,"num_words":70,"start":1338.0751,"end":1361.61},{"sentences":[{"text":"And one of their contributing factors through it's declining at the moment is that one of their investments in their portfolio, which the corporate travel group, they had a bit of issues with their reporting, which meant that they had to suspend suspend the trading.","start":1361.83,"end":1378.89,"sentiment":"neutral","sentiment_score":-0.20565414652228356},{"text":"So that kind of caused the obviously, a pause on trading and caused the investment to fluctuate and fall.","start":1379.21,"end":1387.23,"sentiment":"negative","sentiment_score":-0.3474178745558387},{"text":"So if you are happy for me to do so, I would like to swap that one out for another one.","start":1387.53,"end":1393.065,"sentiment":"neutral","sentiment_score":0.0778543000065145},{"text":"So we wanna make sure that we still have a well worthified portfolio.","start":1393.065,"end":1397.8049,"sentiment":"neutral","sentiment_score":0.22517098142550543},{"text":"If I'm swapping an Australian equity fund, I would like to swap it with another Australian equity to give you the same kind of exposure.","start":1398.265,"end":1405.165,"sentiment":"neutral","sentiment_score":0.1142318844795227}],"sentiment":"neutral","sentiment_score":-0.06859687836916466,"num_words":123,"start":1361.83,"end":1405.165},{"sentences":[{"text":"We've done a lot of research on a lot of investments that would still kind of have the same function, be a little bit cheaper, has performed a little bit more.","start":1406.3099,"end":1415.21,"sentiment":"neutral","sentiment_score":0.1330397302104581},{"text":"And the one that kind of the investment team has suggested to swap it for is the a 200.","start":1415.51,"end":1421.37,"sentiment":"neutral","sentiment_score":0.0427229649534351},{"text":"It is kind of another investment focusing on the 200 largest companies listed in Australia.","start":1421.6449,"end":1427.2649,"sentiment":"neutral","sentiment_score":0.037231707697113356},{"text":"So if you are happy with that, because I think overall it's going to put you in a better position moving forward, I will go and make that change.","start":1428.9249,"end":1436.51,"sentiment":"positive","sentiment_score":0.5639890925637607},{"text":"I will send you a a record of advice.","start":1436.89,"end":1440.0901,"sentiment":"neutral","sentiment_score":0.25366611282030743}],"sentiment":"neutral","sentiment_score":0.2343021581148349,"num_words":103,"start":1406.3099,"end":1440.0901},{"sentences":[{"text":"You don't have to sign it, but it's just for your reference.","start":1440.0901,"end":1442.99,"sentiment":"neutral","sentiment_score":0.1332285919537147},{"text":"And it's just to send you the document to show you swapping Ben along just for that one investment.","start":1443.6901,"end":1449.47,"sentiment":"neutral","sentiment_score":0.16019394052656075},{"text":"Yep.","start":1451.495,"end":1451.815,"sentiment":"neutral","sentiment_score":0.13466808199882507},{"text":"Yep.","start":1451.815,"end":1452.215,"sentiment":"neutral","sentiment_score":0.21144583821296692},{"text":"Perfect.","start":1452.215,"end":1452.715,"sentiment":"positive","sentiment_score":0.4550899863243103}],"sentiment":"neutral","sentiment_score":0.1601068199995686,"num_words":34,"start":1440.0901,"end":1452.715},{"sentences":[{"text":"So keep a look at for that email.","start":1452.9349,"end":1454.375,"sentiment":"neutral","sentiment_score":0.23792792670428753},{"text":"Like you said, I don't need you don't need to sign anything.","start":1454.375,"end":1456.455,"sentiment":"neutral","sentiment_score":0.14581929768125215},{"text":"And if you are happy for us to go ahead and make that change, I will let the team know to authorize that change once we send you that that document.","start":1456.455,"end":1464.395,"sentiment":"neutral","sentiment_score":0.25690437612995026},{"text":"Yep.","start":1466.01,"end":1466.4901,"sentiment":"neutral","sentiment_score":0.16252952814102173},{"text":"Perfect.","start":1466.4901,"end":1466.9901,"sentiment":"positive","sentiment_score":0.3891698718070984}],"sentiment":"neutral","sentiment_score":0.22960358576954537,"num_words":53,"start":1452.9349,"end":1466.9901},{"sentences":[{"text":"Now you should just have one more attachment, I believe, which is their Vanguard index chart.","start":1467.29,"end":1472.51,"sentiment":"neutral","sentiment_score":0.1604929519817233},{"text":"Yep.","start":1473.6901,"end":1474.1901,"sentiment":"neutral","sentiment_score":0.10947182774543762},{"text":"If you can open that one for me.","start":1474.4901,"end":1476.3501,"sentiment":"neutral","sentiment_score":0.10524907987564802},{"text":"Yep.","start":1484.0249,"end":1484.5249,"sentiment":"neutral","sentiment_score":0.06621693819761276},{"text":"Yep.","start":1485.1449,"end":1485.625,"sentiment":"neutral","sentiment_score":0.14235129952430725}],"sentiment":"neutral","sentiment_score":0.13807110874741166,"num_words":27,"start":1467.29,"end":1485.625},{"sentences":[{"text":"Perfect.","start":1485.625,"end":1486.125,"sentiment":"positive","sentiment_score":0.38815683126449585},{"text":"Now this one here has just kind of been added as it is a good representation of what we are talking about when we are talking about the market.","start":1486.585,"end":1493.85,"sentiment":"positive","sentiment_score":0.3647979163918002},{"text":"So you can kind of see the trends from 1995 up until 2025.","start":1494.23,"end":1500.01,"sentiment":"neutral","sentiment_score":0.1527587484854918},{"text":"You can also see it breaking down into the different asset classes.","start":1500.3099,"end":1503.45,"sentiment":"neutral","sentiment_score":0.11385715752840042},{"text":"So when we are talking about your high growth portfolio is where we have about 90% in those top four.","start":1503.585,"end":1509.505,"sentiment":"neutral","sentiment_score":0.2589178688824177}],"sentiment":"neutral","sentiment_score":0.2599707120656967,"num_words":75,"start":1485.625,"end":1509.505},{"sentences":[{"text":"So The US shares, Australian shares, international shares, and the property as well.","start":1509.505,"end":1514.065,"sentiment":"neutral","sentiment_score":0.22140960166087517},{"text":"And that is ultimately was going to kind of maximize that growth for you, and then about 10% in the bottom three.","start":1514.065,"end":1521.05,"sentiment":"positive","sentiment_score":0.46635147387331183},{"text":"The defensive investments to limit fluctuations a little bit, but the focus is to grow that as much as possible because you do have plenty of time over time.","start":1521.35,"end":1529.4501,"sentiment":"neutral","sentiment_score":0.32785847423405484},{"text":"Yep.","start":1530.645,"end":1531.145,"sentiment":"neutral","sentiment_score":0.18296191096305847},{"text":"Now that was all of those attachments.","start":1532.0851,"end":1534.165,"sentiment":"neutral","sentiment_score":0.2201271035841533}],"sentiment":"positive","sentiment_score":0.33846950882838833,"num_words":72,"start":1509.505,"end":1534.165},{"sentences":[{"text":"So if you are happy to do so now, William, if you can click on the sign document link, you should see true attachment.","start":1534.165,"end":1542.665,"sentiment":"neutral","sentiment_score":0.2352973436936736},{"text":"Yep.","start":1544.98,"end":1545.48,"sentiment":"neutral","sentiment_score":0.2811027467250824},{"text":"One of them is an ongoing service agreement, and that's just to say that you're happy to stay on as a client, and we can keep servicing you.","start":1545.54,"end":1553.0,"sentiment":"positive","sentiment_score":0.4069389982947281},{"text":"It is not a locking contract in any way.","start":1553.46,"end":1555.54,"sentiment":"neutral","sentiment_score":0.016559436917304993},{"text":"So if at any point in time you are not happy with the service, there is no lock in contract.","start":1555.54,"end":1559.9451,"sentiment":"neutral","sentiment_score":0.020939474180340766}],"sentiment":"neutral","sentiment_score":0.21817506540839265,"num_words":82,"start":1534.165,"end":1559.9451},{"sentences":[{"text":"Otherwise, that one here allows us to obviously keep you on as a client and keep servicing you.","start":1560.245,"end":1564.985,"sentiment":"positive","sentiment_score":0.4591917445262273},{"text":"There's no changes to the fees at all.","start":1565.045,"end":1567.125,"sentiment":"neutral","sentiment_score":0.22311813198029995},{"text":"It is just that 1.65 from superannuation, so no changes in regards to the percentage or anything like that.","start":1567.125,"end":1574.26,"sentiment":"neutral","sentiment_score":0.18124382629206306},{"text":"And then it should also be, I think, a tax file number form as well.","start":1576.48,"end":1581.3,"sentiment":"neutral","sentiment_score":0.16353846540053685},{"text":"Yeah.","start":1583.8551,"end":1584.3551,"sentiment":"neutral","sentiment_score":0.1399896740913391}],"sentiment":"neutral","sentiment_score":0.2637228821633292,"num_words":61,"start":1560.245,"end":1584.3551},{"sentences":[{"text":"And that's just basically one of those compliance documents to say that we are keeping your tax file number secure on file.","start":1584.495,"end":1589.9551,"sentiment":"neutral","sentiment_score":0.22718653082847595},{"text":"So, basically, from here, if you are happy to sign those documents, Once you've signed them, it will then come through to me.","start":1590.3351,"end":1598.4701,"sentiment":"neutral","sentiment_score":0.15973625461692395},{"text":"I will let the team know, and we'll get that uploaded on your account.","start":1598.4701,"end":1602.41,"sentiment":"neutral","sentiment_score":0.1843968140227454},{"text":"If you have any issues signing, let me know because it is, like I said, a little bit different to what it was last time.","start":1605.1901,"end":1611.4501,"sentiment":"neutral","sentiment_score":0.032899442315101626},{"text":"Great.","start":1615.455,"end":1615.9349,"sentiment":"positive","sentiment_score":0.6906969547271729}],"sentiment":"neutral","sentiment_score":0.15019736403928083,"num_words":85,"start":1584.495,"end":1615.9349},{"sentences":[{"text":"Perfect.","start":1615.9349,"end":1616.415,"sentiment":"positive","sentiment_score":0.619049608707428},{"text":"Sometimes it takes a couple of minutes to come through on my end, so I'll keep a lookout on this.","start":1616.415,"end":1620.4349,"sentiment":"neutral","sentiment_score":0.32012477815151213},{"text":"Keep a lookout for the the ROA, so that record of advice to show the change in investment for you as well.","start":1621.455,"end":1628.52,"sentiment":"neutral","sentiment_score":0.25974813171408395},{"text":"And I will also get the team to email you out those beneficiary form for your super insurance so we can get that sorted.","start":1628.58,"end":1635.24,"sentiment":"neutral","sentiment_score":0.17744149516026178},{"text":"Perfect.","start":1637.14,"end":1637.64,"sentiment":"positive","sentiment_score":0.3650111258029938}],"sentiment":"neutral","sentiment_score":0.25528839822201166,"num_words":68,"start":1615.9349,"end":1637.64},{"sentences":[{"text":"Do you have any other questions, for me otherwise, William, before I let you go?","start":1637.885,"end":1642.145,"sentiment":"neutral","sentiment_score":0.04472844575842221},{"text":"No.","start":1642.4451,"end":1642.9451,"sentiment":"neutral","sentiment_score":-0.11629348993301392},{"text":"Great.","start":1644.285,"end":1644.765,"sentiment":"positive","sentiment_score":0.6709742546081543},{"text":"Perfect.","start":1644.765,"end":1645.165,"sentiment":"positive","sentiment_score":0.6690754890441895},{"text":"Well, I will let you go and enjoy your day off.","start":1645.165,"end":1647.0851,"sentiment":"positive","sentiment_score":0.737796425819397}],"sentiment":"positive","sentiment_score":0.3451877111761734,"num_words":29,"start":1637.885,"end":1647.0851},{"sentences":[{"text":"And if you do need anything else, don't hesitate to give me a 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William speaking. Good. How are you going? Yeah. It's alright. Yeah. It's fine. Cricket. It's my first day off. Yep. Yeah. You're up. Just the usual review today. Yep. Yeah. Danielle Thompson, d a n e, l l, e. And Thompson with a p. Let me grab that for you. 0413 192 845. I'm still a diesel fitter. I'm just at a different location. Different employer. Phone, Basin Tire Services. Three weeks ago. Yeah. Definitely. Yeah. Yep. Income did change. It's a 135,000. That's not including super or anything, mate. That's my 134 is my bank income. Yeah. Yep. Yeah. It brings it up to $1.51. Yeah. Just have to move forward at this stage. Get standard agreement. Definitely is. Not really. Not because I had to move here often. What I should be saying is going into rent. Yes. House Number 47 Of 73. Centenary Drive North. Yep. No, ma'am. Thank you. Yeah. Yep. Yep. 4 746. Yeah. Yep. Yep. It's less than 9. I only got 18 months left on that line there. I lost all check that that 18 grain left on. Yep. No. I mean, it might have worked for the children. That's it. It's a couple of grand. No much at all. No. No. No. Yes. No. Nope. Yep. Yeah. Right here. Yes. I don't think I have yet. No. No. Hold on. I think I've received beneficiary. Five months. Yeah. I I have been over a month ago. Yeah. Yeah. Yeah. That works for me. Yep. It's too easy. Probably just my partner who will come in. Yep. Yeah. Around here. Yeah. Yeah. Yeah. That's right. Well and truly underwriting. Yep. Yep. Yep. Yeah. Ronnie. Yep. There I am. Yep. Yeah. I am. Sweet. Yep. Yep. Yes. No. Not not at all, dear. Yep. Yeah. At this stage, you should be hearing. Fine. Moderate. You said what? K. Neutral. No. Yes. Yep. Yeah. Yeah. I'm still comfortable staying there. Yep. Yep. Mhmm. Yeah. That's it. So I'm fine. Is that the Veronica Glavoam? Signature record. Hang on. Yep. Yeah. Services Guard version one. Yep. Yep. After version one, I got version four. Super and insurance summary, William Murphy. Yeah. Hang on. Gotta download. There we go. Downloaded. Yep. Where are you? Yep. Yep. I'll still cover it. Yep. Yeah. Okay. Yep. No worries. Certificate of currency. Yep. Hop24. Yep. Yeah. I'll get this email sent to me normally. Yep. Yeah. It's holding pretty steady. Do you want me to do? Yep. That's brilliant. Yeah. Which one's that? Yep. Yeah. I see it. Yep. It it stopped a fair bit. Yep. Yep. Yep. Yep. Yep. That's not alright. Yep. Yep. Yep. You got a license? Yep. Yep. Yep. Yeah. Yep. Yep. And I was just on it, so you should have received it. Yep. Alright. So what do you think? No. No. No. No. The questions? No worries. Thank you very much. No worries. 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William speaking. Good. How are you going? Yeah.\n\nIt's alright. Yeah. It's fine. Cricket. It's my first day off.\n\nYep. Yeah. You're up. Just the usual review today. Yep.\n\nYeah. Danielle Thompson, d a n e, l l, e. And Thompson with a p. Let me grab that for you. 0413 192 845.\n\nI'm still a diesel fitter. I'm just at a different location. Different employer. Phone, Basin Tire Services. Three weeks ago.\n\nYeah. Definitely. Yeah. Yep. Income did change.\n\nIt's a 135,000. That's not including super or anything, mate. That's my 134 is my bank income. Yeah. Yep.\n\nYeah. It brings it up to $1.51. Yeah. Just have to move forward at this stage. Get standard agreement.\n\nDefinitely is. Not really. Not because I had to move here often. What I should be saying is going into rent. Yes.\n\nHouse Number 47 Of 73. Centenary Drive North. Yep. No, ma'am. Thank you.\n\nYeah. Yep. Yep. 4 746. Yeah.\n\nYep. Yep. It's less than 9. I only got 18 months left on that line there. I lost all check that that 18 grain left on.\n\nYep. No. I mean, it might have worked for the children. That's it. It's a couple of grand.\n\nNo much at all. No. No. No. Yes.\n\nNo. Nope. Yep. Yeah. Right here.\n\nYes. I don't think I have yet. No. No. Hold on.\n\nI think I've received beneficiary. Five months. Yeah. I I have been over a month ago. Yeah.\n\nYeah. Yeah. That works for me. Yep. It's too easy.\n\nProbably just my partner who will come in. Yep. Yeah. Around here. Yeah.\n\nYeah. Yeah. That's right. Well and truly underwriting. Yep.\n\nYep. Yep. Yeah. Ronnie. Yep.\n\nThere I am. Yep. Yeah. I am. Sweet.\n\nYep. Yep. Yes. No. Not not at all, dear.\n\nYep. Yeah. At this stage, you should be hearing. Fine. Moderate.\n\nYou said what? K. Neutral. No. Yes.\n\nYep. Yeah. Yeah. I'm still comfortable staying there. Yep.\n\nYep. Mhmm. Yeah. That's it. So I'm fine.\n\nIs that the Veronica Glavoam? Signature record. Hang on. Yep. Yeah.\n\nServices Guard version one. Yep. Yep. After version one, I got version four. Super and insurance summary, William Murphy.\n\nYeah. Hang on. Gotta download. There we go. Downloaded.\n\nYep. Where are you? Yep. Yep. I'll still cover it.\n\nYep. Yeah. Okay. Yep. No worries.\n\nCertificate of currency. Yep. Hop24. Yep. Yeah.\n\nI'll get this email sent to me normally. Yep. Yeah. It's holding pretty steady. Do you want me to do?\n\nYep. That's brilliant. Yeah. Which one's that? Yep.\n\nYeah. I see it. Yep. It it stopped a fair bit. Yep.\n\nYep. Yep. Yep. Yep. That's not alright.\n\nYep. Yep. Yep. You got a license? Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nAnd I was just on it, so you should have received it. Yep. Alright. So what do you think? No.\n\nNo. No. No. The questions? No worries.\n\nThank you very much. No worries. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.04128854721784592},{"text":"William speaking.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.040257468819618225},{"text":"Good.","start":3.12,"end":3.62,"sentiment":"positive","sentiment_score":0.4382196068763733},{"text":"How are you going?","start":7.2799997,"end":8.18,"sentiment":"neutral","sentiment_score":0.2632981576025486},{"text":"Yeah.","start":15.684999,"end":16.005,"sentiment":"neutral","sentiment_score":0.14955884218215942}],"sentiment":"neutral","sentiment_score":0.1958638404806455,"num_words":9,"start":1.4399999,"end":16.005},{"sentences":[{"text":"It's alright.","start":16.005,"end":16.744999,"sentiment":"neutral","sentiment_score":0.17175880074501038},{"text":"Yeah.","start":25.44,"end":25.92,"sentiment":"neutral","sentiment_score":0.08740038424730301},{"text":"It's 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what?","start":803.055,"end":804.19495,"sentiment":"neutral","sentiment_score":-0.1091568519671758},{"text":"K.","start":806.735,"end":807.235,"sentiment":"neutral","sentiment_score":0.06470091640949249},{"text":"Neutral.","start":835.625,"end":836.125,"sentiment":"neutral","sentiment_score":-0.03339480981230736},{"text":"No.","start":844.57,"end":845.07,"sentiment":"neutral","sentiment_score":-0.15817053616046906},{"text":"Yes.","start":849.61,"end":850.11,"sentiment":"neutral","sentiment_score":0.09340869635343552}],"sentiment":"neutral","sentiment_score":-0.05156089844448226,"num_words":7,"start":803.055,"end":850.11},{"sentences":[{"text":"Yep.","start":865.09503,"end":865.59503,"sentiment":"neutral","sentiment_score":0.0698186606168747},{"text":"Yeah.","start":877.58997,"end":877.67,"sentiment":"neutral","sentiment_score":0.15487101674079895},{"text":"Yeah.","start":877.67,"end":877.91,"sentiment":"neutral","sentiment_score":0.18706122040748596},{"text":"I'm still comfortable 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fine.","start":920.415,"end":921.39496,"sentiment":"neutral","sentiment_score":0.12612799306710562}],"sentiment":"neutral","sentiment_score":0.0906424904242158,"num_words":8,"start":906.81,"end":921.39496},{"sentences":[{"text":"Is that the Veronica Glavoam?","start":939.99,"end":942.08997,"sentiment":"neutral","sentiment_score":0.030979806557297707},{"text":"Signature record.","start":944.285,"end":945.745,"sentiment":"neutral","sentiment_score":0.02532917819917202},{"text":"Hang on.","start":958.605,"end":959.25,"sentiment":"neutral","sentiment_score":0.057064227759838104},{"text":"Yep.","start":967.97,"end":968.37,"sentiment":"neutral","sentiment_score":0.07834285497665405},{"text":"Yeah.","start":968.37,"end":968.87,"sentiment":"neutral","sentiment_score":0.05615691840648651}],"sentiment":"neutral","sentiment_score":0.04128960164433176,"num_words":11,"start":939.99,"end":968.87},{"sentences":[{"text":"Services Guard version one.","start":969.89,"end":971.91,"sentiment":"neutral","sentiment_score":0.05154878832399845},{"text":"Yep.","start":983.225,"end":983.725,"sentiment":"neutral","sentiment_score":0.07732322067022324},{"text":"Yep.","start":1007.625,"end":1008.125,"sentiment":"neutral","sentiment_score":0.02966017834842205},{"text":"After version one, I got version four.","start":1013.945,"end":1017.245,"sentiment":"neutral","sentiment_score":0.018752667919865677},{"text":"Super and insurance summary, William Murphy.","start":1021.14,"end":1023.72,"sentiment":"neutral","sentiment_score":0.04435236193239689}],"sentiment":"neutral","sentiment_score":0.03739796838674106,"num_words":19,"start":969.89,"end":1023.72},{"sentences":[{"text":"Yeah.","start":1028.42,"end":1028.92,"sentiment":"neutral","sentiment_score":0.05610349029302597},{"text":"Hang on.","start":1029.46,"end":1029.86,"sentiment":"neutral","sentiment_score":0.05728379264473915},{"text":"Gotta download.","start":1029.86,"end":1030.6799,"sentiment":"neutral","sentiment_score":0.059842826798558235},{"text":"There we go.","start":1034.0149,"end":1034.575,"sentiment":"neutral","sentiment_score":0.06104776511589686},{"text":"Downloaded.","start":1034.575,"end":1035.075,"sentiment":"neutral","sentiment_score":0.06009994447231293}],"sentiment":"neutral","sentiment_score":0.059288885444402695,"num_words":9,"start":1028.42,"end":1035.075},{"sentences":[{"text":"Yep.","start":1050.22,"end":1050.72,"sentiment":"neutral","sentiment_score":0.06428582966327667},{"text":"Where are you?","start":1074.61,"end":1075.4299,"sentiment":"neutral","sentiment_score":0.021959512184063595},{"text":"Yep.","start":1077.57,"end":1078.07,"sentiment":"neutral","sentiment_score":0.104624941945076},{"text":"Yep.","start":1103.085,"end":1103.585,"sentiment":"neutral","sentiment_score":0.2303205728530884},{"text":"I'll still cover it.","start":1133.815,"end":1135.11,"sentiment":"neutral","sentiment_score":0.021987356711179018}],"sentiment":"neutral","sentiment_score":0.05530593078583479,"num_words":10,"start":1050.22,"end":1135.11},{"sentences":[{"text":"Yep.","start":1172.1001,"end":1172.6001,"sentiment":"positive","sentiment_score":0.4231497049331665},{"text":"Yeah.","start":1193.155,"end":1193.395,"sentiment":"neutral","sentiment_score":0.12836545705795288},{"text":"Okay.","start":1193.395,"end":1193.895,"sentiment":"neutral","sentiment_score":0.1376054883003235},{"text":"Yep.","start":1203.0599,"end":1203.46,"sentiment":"neutral","sentiment_score":0.10128849744796752},{"text":"No worries.","start":1203.46,"end":1204.2,"sentiment":"neutral","sentiment_score":0.11948167532682417}],"sentiment":"neutral","sentiment_score":0.1715620830655098,"num_words":6,"start":1172.1001,"end":1204.2},{"sentences":[{"text":"Certificate of currency.","start":1208.275,"end":1209.8151,"sentiment":"neutral","sentiment_score":0.055877609799305596},{"text":"Yep.","start":1223.6001,"end":1224.1001,"sentiment":"neutral","sentiment_score":0.06668802350759506},{"text":"Hop24.","start":1228.0801,"end":1229.14,"sentiment":"neutral","sentiment_score":0.03356858715415001},{"text":"Yep.","start":1242.235,"end":1242.475,"sentiment":"neutral","sentiment_score":0.07071256637573242},{"text":"Yeah.","start":1242.475,"end":1242.715,"sentiment":"neutral","sentiment_score":0.03945396840572357}],"sentiment":"neutral","sentiment_score":0.05400799640587398,"num_words":7,"start":1208.275,"end":1242.715},{"sentences":[{"text":"I'll get this email sent to me normally.","start":1242.715,"end":1244.655,"sentiment":"neutral","sentiment_score":0.053268847055733204},{"text":"Yep.","start":1272.165,"end":1272.665,"sentiment":"neutral","sentiment_score":0.07631120830774307},{"text":"Yeah.","start":1282.16,"end":1282.4,"sentiment":"neutral","sentiment_score":0.24911536276340485},{"text":"It's holding pretty steady.","start":1282.4,"end":1283.6,"sentiment":"positive","sentiment_score":0.41857365518808365},{"text":"Do you want me to do?","start":1283.6,"end":1284.74,"sentiment":"neutral","sentiment_score":0.2328314706683159}],"sentiment":"neutral","sentiment_score":0.19114303961396217,"num_words":20,"start":1242.715,"end":1284.74},{"sentences":[{"text":"Yep.","start":1289.825,"end":1290.325,"sentiment":"neutral","sentiment_score":0.1737433671951294},{"text":"That's brilliant.","start":1303.265,"end":1304.065,"sentiment":"positive","sentiment_score":0.764520138502121},{"text":"Yeah.","start":1304.065,"end":1304.55,"sentiment":"neutral","sentiment_score":0.23922672867774963},{"text":"Which one's that?","start":1310.79,"end":1311.93,"sentiment":"neutral","sentiment_score":0.0504424124956131},{"text":"Yep.","start":1318.39,"end":1318.815,"sentiment":"neutral","sentiment_score":0.06499912589788437}],"sentiment":"neutral","sentiment_score":0.2697920920327306,"num_words":8,"start":1289.825,"end":1318.815},{"sentences":[{"text":"Yeah.","start":1320.575,"end":1320.815,"sentiment":"neutral","sentiment_score":0.037776365876197815},{"text":"I see it.","start":1320.815,"end":1321.375,"sentiment":"neutral","sentiment_score":0.0354363222916921},{"text":"Yep.","start":1321.375,"end":1321.875,"sentiment":"neutral","sentiment_score":0.04367257282137871},{"text":"It it stopped a fair bit.","start":1322.4149,"end":1324.115,"sentiment":"neutral","sentiment_score":-0.042231243724624314},{"text":"Yep.","start":1362.41,"end":1362.91,"sentiment":"neutral","sentiment_score":-0.01564507745206356}],"sentiment":"neutral","sentiment_score":-0.006772886185596387,"num_words":12,"start":1320.575,"end":1362.91},{"sentences":[{"text":"Yep.","start":1387.9099,"end":1388.4099,"sentiment":"neutral","sentiment_score":-0.020914271473884583},{"text":"Yep.","start":1428.185,"end":1428.685,"sentiment":"neutral","sentiment_score":0.2805686891078949},{"text":"Yep.","start":1443.87,"end":1444.37,"sentiment":"neutral","sentiment_score":0.15519988536834717},{"text":"Yep.","start":1450.645,"end":1450.965,"sentiment":"neutral","sentiment_score":0.14192375540733335},{"text":"That's not alright.","start":1450.965,"end":1465.365,"sentiment":"neutral","sentiment_score":0.15018664300441742}],"sentiment":"neutral","sentiment_score":0.14390542677470616,"num_words":7,"start":1387.9099,"end":1465.365},{"sentences":[{"text":"Yep.","start":1465.365,"end":1465.865,"sentiment":"neutral","sentiment_score":0.10583584755659103},{"text":"Yep.","start":1472.99,"end":1473.49,"sentiment":"neutral","sentiment_score":0.11580312252044678},{"text":"Yep.","start":1483.685,"end":1483.925,"sentiment":"neutral","sentiment_score":0.07888540625572205},{"text":"You got a license?","start":1483.925,"end":1484.905,"sentiment":"neutral","sentiment_score":0.07352677546441555},{"text":"Yep.","start":1530.15,"end":1530.525,"sentiment":"neutral","sentiment_score":0.1931229829788208}],"sentiment":"neutral","sentiment_score":0.09846930764615536,"num_words":8,"start":1465.365,"end":1530.525},{"sentences":[{"text":"Yep.","start":1544.2051,"end":1544.7051,"sentiment":"neutral","sentiment_score":0.21905848383903503},{"text":"Yep.","start":1575.865,"end":1576.365,"sentiment":"neutral","sentiment_score":0.17009881138801575},{"text":"Yeah.","start":1583.19,"end":1583.69,"sentiment":"neutral","sentiment_score":0.11675532162189484},{"text":"Yep.","start":1601.465,"end":1601.965,"sentiment":"neutral","sentiment_score":0.13594511151313782},{"text":"Yep.","start":1611.9801,"end":1612.38,"sentiment":"neutral","sentiment_score":0.1172899603843689}],"sentiment":"neutral","sentiment_score":0.15182953774929048,"num_words":5,"start":1544.2051,"end":1612.38},{"sentences":[{"text":"And I was just on it, so you should have received it.","start":1612.38,"end":1615.2001,"sentiment":"neutral","sentiment_score":0.18619006065030894},{"text":"Yep.","start":1629.0249,"end":1629.5249,"sentiment":"neutral","sentiment_score":0.05097687989473343},{"text":"Alright.","start":1634.37,"end":1634.87,"sentiment":"neutral","sentiment_score":0.09317372739315032},{"text":"So what do you think?","start":1636.53,"end":1640.1901,"sentiment":"neutral","sentiment_score":0.07095331847667694},{"text":"No.","start":1642.4501,"end":1642.6901,"sentiment":"neutral","sentiment_score":-0.1241285875439644}],"sentiment":"neutral","sentiment_score":0.13045346699655055,"num_words":20,"start":1612.38,"end":1642.6901},{"sentences":[{"text":"No.","start":1642.6901,"end":1642.93,"sentiment":"neutral","sentiment_score":-0.12785343825817108},{"text":"No.","start":1642.93,"end":1643.09,"sentiment":"neutral","sentiment_score":-0.1279394030570984},{"text":"No.","start":1643.09,"end":1643.25,"sentiment":"neutral","sentiment_score":-0.08677821606397629},{"text":"The questions?","start":1643.25,"end":1643.91,"sentiment":"neutral","sentiment_score":-0.05187338963150978},{"text":"No worries.","start":1650.7329,"end":1651.213,"sentiment":"positive","sentiment_score":0.37119902670383453}],"sentiment":"neutral","sentiment_score":0.04229717382362911,"num_words":7,"start":1642.6901,"end":1651.213},{"sentences":[{"text":"Thank you very much.","start":1651.213,"end":1652.273,"sentiment":"positive","sentiment_score":0.7784152925014496},{"text":"No worries.","start":1654.333,"end":1654.9729,"sentiment":"neutral","sentiment_score":0.18480037152767181},{"text":"Bye.","start":1654.9729,"end":1655.4729,"sentiment":"neutral","sentiment_score":0.16934123635292053}],"sentiment":"positive","sentiment_score":0.5218004499162946,"num_words":7,"start":1651.213,"end":1655.4729}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. William speaking. Good.\n\nChannel 0: Good morning, William. It's Veronica from Financial. How are you?\n\nChannel 1: How are you going?\n\nChannel 0: Good. Thanks. I had you booked in to quickly go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. It's alright.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: It's fine.\n\nChannel 0: Yep. 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?\n\nChannel 1: Cricket.\n\nChannel 0: Yep. Perfect. And how's your morning been so far? Been busy or just kind of getting started?\n\nChannel 1: It's my first day off.\n\nChannel 0: Oh, nice. Well, I will try not to take up too much of your of your time. It is just to go over your annual review, and I know we spoke, obviously, to sort out your insurances up not too long ago. So,\n\nChannel 1: Yep.\n\nChannel 0: again, I will try to do this as quickly as I can for you.\n\nChannel 1: Yeah. You're up.\n\nChannel 0: Now just before I do jump into the annual review, though, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on, or is it just just the the usual review for you?\n\nChannel 1: Just the usual review today.\n\nChannel 0: Yep. Great. Perfect. Now I'll quickly just run through a bit of an updated fact to see if there's anything that has changed in your life since we spoke last. I'm not sure we'll do it quickly because I'm sure most of the things are fairly up to date.\n\nBut when it comes to your personal information, I have you down here as a de facto relationship with two financial dependent.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I don't actually have your partner's name on file, though. Would you be able to provide that for me?\n\nChannel 1: Yeah. Danielle Thompson, d a n e, l l, e.\n\nChannel 0: Danielle Thompson. Great. Perfect.\n\nChannel 1: And Thompson with a p.\n\nChannel 0: Yep. Perfect. Great. Thank you. Now I don't also have a next of kin on file.\n\nDo you wanna same person. Perfect. And their best contact number?\n\nChannel 1: Let me grab that for you.\n\nChannel 0: Yep. Thank you.\n\nChannel 1: 0413\n\nChannel 0: Three four one three. Yep.\n\nChannel 1: 192\n\nChannel 0: One nine two. Yep.\n\nChannel 1: 845.\n\nChannel 0: 845. Great. Perfect. Occupation wise, has anything changed for you? Still doing the same?\n\nChannel 1: I'm still a diesel fitter. I'm just at a different location.\n\nChannel 0: Okay. Perfect. Different employer or you just, at a different, like, workshop or\n\nChannel 1: Different\n\nChannel 0: something?\n\nChannel 1: employer.\n\nChannel 0: Okay. And what's your new employer called?\n\nChannel 1: Phone, Basin Tire Services.\n\nChannel 0: And when did you start there?\n\nChannel 1: Three weeks\n\nChannel 0: Oh, yeah. You\n\nChannel 1: ago.\n\nChannel 0: liking it so far?\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: That's good. Still working full time, though?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Great. Did your income change with that, or is it around that 75?\n\nChannel 1: Income did change. It's a 135,000.\n\nChannel 0: Oh, wow. Nice. 135.\n\nChannel 1: That's not including super or anything, mate.\n\nChannel 0: Yeah. Okay. So super on top. Do you get bonuses and stuff on top of that, or is that, like, your base income?\n\nChannel 1: That's my 134 is my bank income.\n\nChannel 0: Yep. Perfect. And your employer, do they pay the standard 12% contribution as well on that one thirty five?\n\nChannel 1: Yeah. Yep. Yeah. It\n\nChannel 0: Yep.\n\nChannel 1: brings it up to $1.51.\n\nChannel 0: Yeah. Nice. And you are still not making, like, additional contributions or anything like that, just that from your employer?\n\nChannel 1: Yeah. Just have to move forward at this stage.\n\nChannel 0: Yep. Great. And with your new employer, do you have a an enterprise bargain agreement or anything with them or just kind of like the standard\n\nChannel 1: Get\n\nChannel 0: contracts?\n\nChannel 1: standard agreement.\n\nChannel 0: Yep. Perfect. That's a nice little pay increase, though.\n\nChannel 1: Definitely is.\n\nChannel 0: Now did that make any changes through, like, savings and expenses per week?\n\nChannel 1: Not\n\nChannel 0: Do you\n\nChannel 1: really.\n\nChannel 0: know?\n\nChannel 1: Not because I had to move here often.\n\nChannel 0: Yes.\n\nChannel 1: What I should be saying is going into rent.\n\nChannel 0: Yeah. Now I do have your address here at 6 Rickett Crescent. Has that changed?\n\nChannel 1: Yes.\n\nChannel 0: Yep. What's your new address, and I'll get that updated for you.\n\nChannel 1: House Number 47 Of 73.\n\nChannel 0: 37 Of 73. Yep.\n\nChannel 1: Centenary Drive North.\n\nChannel 0: Centenary Drive?\n\nChannel 1: Yep.\n\nChannel 0: Drive North. And which suburb is that in?\n\nChannel 1: No, ma'am. Thank you.\n\nChannel 0: Did you say Middlemount?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. Still Queensland?\n\nChannel 1: Yep. 4\n\nChannel 0: Yep.\n\nChannel 1: 746.\n\nChannel 0: 4746. Great. Perfect. I will get that updated for you. You said you're still renting.\n\nYou just moved to a different rental property?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Alright. Otherwise, asset wise, I have here that you have a motor vehicle valid at about 45,000? Yeah. And about 28 owing?\n\nChannel 1: Yep. It's less than 9. I only\n\nChannel 0: Yeah.\n\nChannel 1: got 18 months left on that line there.\n\nChannel 0: Oh, perfect. And do you know roughly how much that would be left?\n\nChannel 1: I lost all check that that 18 grain left on.\n\nChannel 0: Oh, perfect. I'll update that. Do you also have the ute of about 10,000?\n\nChannel 1: Yep.\n\nChannel 0: Yep. But you don't have anything owing on that one, do you?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Any other new assets? Otherwise, any other motor vehicles or boats or motorbikes?\n\nChannel 1: I mean, it might have worked for the children. That's it.\n\nChannel 0: Yep. How much would that one be worth? Or\n\nChannel 1: It's\n\nChannel 0: is there?\n\nChannel 1: a couple of grand.\n\nChannel 0: Yep.\n\nChannel 1: No much\n\nChannel 0: Okay.\n\nChannel 1: at all.\n\nChannel 0: Yep. Anything else?\n\nChannel 1: No.\n\nChannel 0: No. Any other liabilities? Personal loans, credit card, SIP pay? Not perfect. And you've never been declared bankrupt or been under a partner\n\nChannel 1: No.\n\nChannel 0: agreement?\n\nChannel 1: No.\n\nChannel 0: Not perfect. Now health wise, I have you done her as a nonsmoker? Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Yep. Any changes to your health otherwise? Any new medication or new illnesses or injuries or anything?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And do you have private health insurance?\n\nChannel 1: Nope.\n\nChannel 0: Nope. It might be something to consider or look into a little bit more anyway now when your income is a bit higher, especially with the medical levy surcharge that is applicable for high income earners if you don't have private health insurance. Obviously, you still then have to weigh up the cost of private health insurance,\n\nChannel 1: Yep.\n\nChannel 0: but it is something to kind of be mindful of or or have a look at, especially because you are now in the high income threshold as well.\n\nChannel 1: Yeah. Right\n\nChannel 0: Yep. And, otherwise, estate planning wise, do you have a will in place? Yep.\n\nChannel 1: here. Yes.\n\nChannel 0: Perfect. Do you know if you made a nomination for power of attorney as well when you got the will?\n\nChannel 1: I don't think I have yet.\n\nChannel 0: No. That's okay. But you don't have anyone who makes any financial decisions on your behalf otherwise?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And are you politically exposed to an income anywhere overseas?\n\nChannel 1: No.\n\nChannel 0: No. Great. Now with your super and your insurances as well, I do have here at the moment that we are waiting on the beneficiary forms to come back. So if something were to happen to you, who you want to nominate to receive the funds.\n\nChannel 1: Hold on.\n\nChannel 0: Did\n\nChannel 1: I think\n\nChannel 0: you\n\nChannel 1: I've\n\nChannel 0: res\n\nChannel 1: received beneficiary.\n\nChannel 0: okay.\n\nChannel 1: Five months.\n\nChannel 0: Maybe because, obviously, you changed when did you move\n\nChannel 1: Yeah.\n\nChannel 0: to the new property?\n\nChannel 1: I I have been over a month ago.\n\nChannel 0: Okay. It could have been that it was potentially sent to the old property. So do you have access to your printer at all, William?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: If you're happy to do so, because it makes it a bit quicker, I can get the team to email it to you.\n\nChannel 1: Yeah. That works\n\nChannel 0: Because\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: me.\n\nChannel 0: are? Yeah. Because it is making a legal nomination, just have to be printed and wet signed and witnessed. Send it back to us, and then we'll get that uploaded for your super and your insurances as well.\n\nChannel 1: Yep. It's too easy.\n\nChannel 0: Do you know who you would like to nominate?\n\nChannel 1: Probably just my partner who will\n\nChannel 0: Yep.\n\nChannel 1: come in.\n\nChannel 0: Yep. And with her as well, because she is your partner, if something were to happen, it would go completely tax free to her as well, which is good. Tax free to her. Yeah. With\n\nChannel 1: Yep.\n\nChannel 0: children, if they're 18, it's tax free. If it's over 18, unless they have there's, like, a disability or they are at uni and stuff like that, they can then be taxed on the benefits that they received. But\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Around\n\nChannel 0: are\n\nChannel 1: here.\n\nChannel 0: now a little bit younger, aren't they?\n\nChannel 1: Yeah. Yeah. Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: right. Well and truly underwriting.\n\nChannel 0: Yeah. Perfect. Yeah. Otherwise, if it does go to your partner, it is tax free irrespective of age or or time frame.\n\nChannel 1: Yep.\n\nChannel 0: So I will get the team through email that through you. I'll get them to include a cover letter as well. If you do\n\nChannel 1: Yep.\n\nChannel 0: have any issues on which selections to choose from, let me know because there are a couple of different options that you can select. So you can have a binding and a nonbinding option. So binding basically means that the trustee has to follow your wishes, so it's a lot more certain. Whereas\n\nChannel 1: Yep.\n\nChannel 0: a nonbinding option just basically tells the trustee that this is what\n\nChannel 1: Yeah.\n\nChannel 0: you want to have happened, that they ultimately have say of if they feel that there's someone else that's better suited for it.\n\nChannel 1: Ronnie.\n\nChannel 0: So binding is more certain in that aspect.\n\nChannel 1: Yep.\n\nChannel 0: And then you also have lapsing and non lapsing. So, lapsing means that you have to complete the form every three years. Non lapsing means that it stays in place until you decide to update or change it.\n\nChannel 1: There I am.\n\nChannel 0: Yep. So, yeah, have a look at those and complete it when you have a moment.\n\nChannel 1: Yep.\n\nChannel 0: Send it back to us, and I will get that uploaded and sorted for you so that's all in place if something ever were to happen to you.\n\nChannel 1: Yeah. I am. Sweet.\n\nChannel 0: Perfect. Now the other thing I do quickly wanna run through, it is just an updated risk profile questionnaire. It is just a couple of multiple choice questions to make it nice and easy for you.\n\nChannel 1: Yep.\n\nChannel 0: Some can be a bit tricky. So if it doesn't make sense, let me know. But otherwise, there is no right or wrong answer. And it's kind of thinking about the questions in regards to your superannuation as well.\n\nChannel 1: Yep.\n\nChannel 0: Now have you ever bought direct shares on the stock market yourself?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Do you still have some investments?\n\nChannel 1: No.\n\nChannel 0: No. Okay. And next is kind of I guess at the at the moment, do you know when you would like to start accessing your super or when you're planning on retire? Can seem far away, but do you have any idea when you when you're thinking?\n\nChannel 1: Not not at all,\n\nChannel 0: No.\n\nChannel 1: dear.\n\nChannel 0: No. That's okay. Otherwise, I do have here that last time we spoke. Ideally, you would like to retire at 60 when you can, if you have the option to do so and draw a week weekly income of about $1,000 per week, do you think that would still kind of, be achievable for you?\n\nChannel 1: Yep. Yeah. At this stage,\n\nChannel 0: Yep.\n\nChannel 1: you should be hearing.\n\nChannel 0: Yep. Perfect. Now next is when it comes to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing more, unfortunately. Now how much of a risk are you willing to take in order to try to keep up with your rising prices?\n\nWould you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk?\n\nChannel 1: Fine. Moderate.\n\nChannel 0: Moderate. Perfect. Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens, Or do you think you'd want to shift to a more secure asset? But that means you are then selling when the prices have dropped.\n\nChannel 1: You said what?\n\nChannel 0: Just hold and wait.\n\nChannel 1: K.\n\nChannel 0: Perfect. Yep. Now have you ever noticed your superannuation or any other assets fluctuate and fall in value? If so, how did that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not really making any further investments, concerned, or highly anxious?\n\nChannel 1: Neutral.\n\nChannel 0: Just neutral. Perfect. And the last one here is, would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: No.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now that tells me here that you have come out just borderline between a high growth and a growth investor. And at the moment, we have you invested in a high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So do you remember the difference between those two at all? Yep. Perfect. And are you still quite comfortable to remain in the the high growth portfolio, or or what are your thoughts?\n\nChannel 1: Yeah. Yeah. I'm still comfortable staying there.\n\nChannel 0: Yep. Great. Also, from a time time frame point of view, you know, when we are looking at a high growth portfolio, we do typically want to allow at least eight years on true retirement to making sure you have enough time in the market for those fluctuations in the short term, which\n\nChannel 1: Yep.\n\nChannel 0: you certainly have behind you. So from a time frame point of view, you are definitely in a good suitable portfolio. So more than happy to leave you there as long as, obviously, you are comfortable with that.\n\nChannel 1: Yep.\n\nChannel 0: Now the last thing I do want to run over here, William, is just to send you a couple of documents to run through with you quickly. Do you\n\nChannel 1: Mhmm.\n\nChannel 0: have access to your emails on your phone or a computer or anything?\n\nChannel 1: Yeah. That's it. So I'm fine.\n\nChannel 0: Yeah. Okay. Perfect. So I've just sent you an email with a couple of attachments. So let me know when that comes through.\n\nAnd we have recently changed software software as well, so it might look a little bit different to what you would use too.\n\nChannel 1: Is that the Veronica Glavoam?\n\nChannel 0: Yes. That's the one.\n\nChannel 1: Signature record.\n\nChannel 0: Yes. So before you click on the signature, you will see a couple of attachments. You should see a couple of different attachments further down in the email. Can you see those?\n\nChannel 1: Hang on.\n\nChannel 0: Yep. Now to make it easier for you, if you wanna tell me the order you can see them, I can just go through them that way.\n\nChannel 1: Yep. Yeah. Services Guard version one.\n\nChannel 0: Yep. So the the services guide version one and the financial services guide version four, I'll let you have a read over that in your own time. It's one of\n\nChannel 1: Yep.\n\nChannel 0: those compliance documents. You would have seen this before. It is just an updated version. We've had a bit of an extension to the team, which is great. So when you have a look at it, you will see us all in there and the new team as well.\n\nWe've also had a bit of a change to our marketing, so it's just basically an updated version. Same information otherwise. Just all the important information in there for you. They're quite long, so I'll let you have a read over that in your own time.\n\nChannel 1: Yep.\n\nChannel 0: What is the next one you can see?\n\nChannel 1: After version one, I got\n\nChannel 0: Yep.\n\nChannel 1: version four.\n\nChannel 0: Yep. And after that one\n\nChannel 1: Super and insurance summary, William Murphy.\n\nChannel 0: yes. If you wanna open that one for me.\n\nChannel 1: Yeah. Hang\n\nChannel 0: Yep.\n\nChannel 1: on. Gotta download. There we go. Downloaded.\n\nChannel 0: Yep. Perfect. Now you will see at the top pair, your superannuation. It looks a little bit different because we are just in the process. So we have requested that final rollover for Australian Retirement Trust already.\n\nChannel 1: Yep.\n\nChannel 0: But because it's obviously with them, sometimes it takes a couple of days for the funds to drop in your Hub 24, which is the only reason why it looks like that. So the we placed them the request, so it's on its way. It could drop tomorrow or today even. But when we had a look yes yesterday, it was still on its way. So, otherwise, you will see the the Australian retirement trust come into Hub 24 soon for you, which will obviously\n\nChannel 1: Where\n\nChannel 0: boost.\n\nChannel 1: are you?\n\nChannel 0: Yeah. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now underneath that, you will then have your insurances. So you have, obviously, your MetLife insurance, your life and disability insurance, your income protection as well, all paid from within superannuation. You do you do get that 15% tax rebate.\n\nSo the total premium for all three is $2,600.\n\nChannel 1: Yep.\n\nChannel 0: Now with your income as well, I do wanna just check that you're still happy with your income protection. Because your income has gone up quite a bit, there is a little bit of a gap with how much you could be covered for versus what you currently have. Do you still feel if something were to happen to you, do you still think that 4,375 would cover kind of bills and expenses, or do you think you would want to look at increasing the income protection?\n\nChannel 1: I'll still cover it.\n\nChannel 0: Yeah. Okay. Perfect. Because if you did wanted to increase it at any point, just let me know. It would mean that the policy will get more expensive because you're covered four more, and we would just have to go through the undivided process again, which obviously was finally got that sorted for you, and that's all in place.\n\nBut if anything ever does change and you wanna have a look at it, let me know. Otherwise, the good thing with the MetLife policy is that within thirty days of the policy anniversary, you can actually increase the the income protection with up to 15% without\n\nChannel 1: Yep.\n\nChannel 0: having to go through any of that underwriting, which is a really good thing with with MetLife. It's just a quick form. So I can even get the team to put a little bit of a note through see how you feel within the thirty days of the policy anniversary if you wanna increase it because we can do that without underwriting for up to 15%.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Otherwise, you know, if anything does change, you can always let us know, and we can always look at revisited. But, otherwise, for the time being, we'll leave that all sorted for you.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yep. Perfect. Now what is the the next one there for you?\n\nChannel 1: Certificate of currency.\n\nChannel 0: Yep. Now this one here, it just breaks down your insurance in a bit more detail for you. This basically tells you that everything is paid up to date, and it's just just in a bit more in-depth with the the policy there for you.\n\nChannel 1: Yep.\n\nChannel 0: What is the the next one?\n\nChannel 1: Hop24.\n\nChannel 0: Yep. So if you wanna open that one for me, it can be a little bit small potentially on the phone, but this one basically breaks down all your different investments in your hub twenty four accounts\n\nChannel 1: Yep.\n\nChannel 0: and how\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: I'll get this email sent to me normally.\n\nChannel 0: Yes. So you'll basically see, yeah, what's happened in the last twelve months, how it's all performed. Now, obviously, you probably would be aware that there's been in the last twelve months, there's been a lot of things happening in the world, which obviously has impacted, obviously, investments and everything like that. So, obviously, everything over in The US with Trump and tariffs and everything saw a bit of fluctuation, and then now, obviously, more recently, everything over in The Middle East.\n\nChannel 1: Yep.\n\nChannel 0: Despite all of that, though, your portfolio has still done pretty well given the amount of fluctuations we've kind of had in the market.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: It's holding pretty steady. Do you want me to do?\n\nChannel 0: yes. And this is also after fees. So after all fees\n\nChannel 1: Yep.\n\nChannel 0: have been deducted from your account and everything like that, Like I said, despite the fluctuations, your portfolio has still gone up 7.2% after fees, which is actually pretty good.\n\nChannel 1: That's brilliant. Yeah.\n\nChannel 0: Yeah. I do wanna look at swapping one of the investments, though, for you if you are happy with that, and\n\nChannel 1: Which\n\nChannel 0: that\n\nChannel 1: one's\n\nChannel 0: is\n\nChannel 1: that?\n\nChannel 0: that is your Benelon Australian equity. That is the the first one. So this is your managed fund.\n\nChannel 1: Yep.\n\nChannel 0: Can you see that one okay?\n\nChannel 1: Yeah. I see it. Yep.\n\nChannel 0: Yeah. Sorry.\n\nChannel 1: It\n\nChannel 0: The reason\n\nChannel 1: it stopped a fair bit.\n\nChannel 0: yeah. So the reason I wanna swap this one out is that it was when you came on board, it has done really, really well. The purpose of adding this one to your portfolio is that it is a little bit different to your other one in that it is a managed fund. So the purpose is through kind of actively buying and selling investments in order to try to outperform the market. That is the function of that one, whereas your other investments are a bit more of your passive style where it is kind of tracking an index.\n\nSo they've been along Australian equity. Like I said, they had done really well. More recently, they've kind of underperformed a little bit. And one of their\n\nChannel 1: Yep.\n\nChannel 0: contributing factors through it's declining at the moment is that one of their investments in their portfolio, which the corporate travel group, they had a bit of issues with their reporting, which meant that they had to suspend suspend the trading. So that kind of caused the obviously, a pause on trading and caused the investment to fluctuate and fall. So if\n\nChannel 1: Yep.\n\nChannel 0: you are happy for me to do so, I would like to swap that one out for another one. So we wanna make sure that we still have a well worthified portfolio. If I'm swapping an Australian equity fund, I would like to swap it with another Australian equity to give you the same kind of exposure. We've done a lot of research on a lot of investments that would still kind of have the same function, be a little bit cheaper, has performed a little bit more. And the one that kind of the investment team has suggested to swap it for is the a 200.\n\nIt is kind of another investment focusing on the 200 largest companies listed in Australia.\n\nChannel 1: Yep.\n\nChannel 0: So if you are happy with that, because I think overall it's going to put you in a better position moving forward, I will go and make that change. I will send you a a record of advice. You don't have to sign it, but it's just for your reference. And\n\nChannel 1: Yep.\n\nChannel 0: it's just to send you the document to show you swapping Ben along just for that one investment.\n\nChannel 1: Yep. That's\n\nChannel 0: Yep. Yep. Perfect. So keep a look at for that email. Like you\n\nChannel 1: not\n\nChannel 0: said, I don't need you don't need to sign anything. And if you are happy for us to go ahead and make that change, I will let the team know to authorize that change once we send you that that document.\n\nChannel 1: alright. Yep.\n\nChannel 0: Yep. Perfect. Now you should just have one more attachment, I believe, which is their Vanguard index chart.\n\nChannel 1: Yep.\n\nChannel 0: Yep. If you can open that one for me.\n\nChannel 1: Yep. You\n\nChannel 0: Yep.\n\nChannel 1: got a license?\n\nChannel 0: Yep. Perfect. Now this one here has just kind of been added as it is a good representation of what we are talking about when we are talking about the market. So you can kind of see the trends from 1995 up until 2025. You can also see it breaking down into the different asset classes.\n\nSo when we are talking about your high growth portfolio is where we have about 90% in those top four. So The US shares, Australian shares, international shares, and the property as well. And that is ultimately was going to kind of maximize that growth for you, and then about 10% in the bottom three. The defensive investments to limit fluctuations a little bit, but the focus is to grow that as much as possible because you do have plenty of time over time.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now that was all of those attachments. So if you are happy to do so now, William, if you can click on the sign document link, you should see true attachment.\n\nChannel 1: Yep.\n\nChannel 0: Yep. One of them is an ongoing service agreement, and that's just to say that you're happy to stay on as a client, and we can keep servicing you. It is not a locking contract in any way. So if at any point in time you are not happy with the service, there is no lock in contract. Otherwise, that one here allows us to obviously keep you on as a client and keep servicing you.\n\nThere's no changes to the fees at all. It is just that 1.65 from superannuation, so no changes in regards to the percentage or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: And then it should also be, I think, a tax file number form as well.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And that's just basically one of those compliance documents to say that we are keeping your tax file number secure on file. So, basically, from here, if you are happy to sign those documents, Once you've signed them, it will then come through to me. I will let the team know, and we'll get that uploaded on\n\nChannel 1: Yep.\n\nChannel 0: your account. If you have any issues signing, let me know because it is, like I said, a little bit different to what it was last time.\n\nChannel 1: Yep. And I was just on it, so you should have received it.\n\nChannel 0: Great. Perfect. Sometimes it takes a couple of minutes to come through on my end, so I'll keep a lookout on this. Keep a lookout for the the ROA, so that record of advice to show the change in investment for you as well. And I will\n\nChannel 1: Yep.\n\nChannel 0: also get the team to email you out those beneficiary form for your super insurance so we can get\n\nChannel 1: Alright.\n\nChannel 0: that sorted.\n\nChannel 1: So what do you\n\nChannel 0: Perfect. Do you have any other questions, for\n\nChannel 1: think?\n\nChannel 0: me otherwise, William, before I let you go? No.\n\nChannel 1: No. No. No. No. The questions?\n\nChannel 0: Great. Perfect. Well, I will let you go and enjoy your day off. And if you do need anything else, don't hesitate to give me a call.\n\nChannel 1: No worries. Thank you very much.\n\nChannel 0: Alright. No problem at all. We'll speak soon.\n\nChannel 1: No worries. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.04128854721784592},{"text":"William speaking.","start":1.8399999,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.040257468819618225},{"text":"Good.","start":3.12,"end":3.62,"sentiment":"positive","sentiment_score":0.4382196068763733}],"sentiment":"neutral","sentiment_score":0.14000577293336391,"channel":1,"num_words":4,"start":1.4399999,"end":3.62},{"sentences":[{"text":"Good morning, William.","start":3.28,"end":4.16,"sentiment":"positive","sentiment_score":0.5243616700172424},{"text":"It's Veronica from Financial.","start":4.16,"end":5.7,"sentiment":"positive","sentiment_score":0.3671295866370201},{"text":"How are you?","start":6.08,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.3235394358634949}],"sentiment":"positive","sentiment_score":0.40122216641902925,"channel":0,"num_words":10,"start":3.28,"end":6.8999996},{"sentences":[{"text":"How are you going?","start":7.2799997,"end":8.18,"sentiment":"neutral","sentiment_score":0.2632981576025486}],"sentiment":"neutral","sentiment_score":0.2632981576025486,"channel":1,"num_words":4,"start":7.2799997,"end":8.18},{"sentences":[{"text":"Good.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.5514241456985474},{"text":"Thanks.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.6775058507919312},{"text":"I had you booked in to quickly go over your annual review.","start":10.32,"end":13.2,"sentiment":"positive","sentiment_score":0.45156654715538025},{"text":"Is now still a good time for you?","start":13.2,"end":14.745,"sentiment":"positive","sentiment_score":0.3821283206343651}],"sentiment":"positive","sentiment_score":0.4411252330649983,"channel":0,"num_words":22,"start":8.559999,"end":14.745},{"sentences":[{"text":"Yeah.","start":15.684999,"end":16.005,"sentiment":"neutral","sentiment_score":0.14955884218215942},{"text":"It's alright.","start":16.005,"end":16.744999,"sentiment":"neutral","sentiment_score":0.17175880074501038}],"sentiment":"neutral","sentiment_score":0.1643588145573934,"channel":1,"num_words":3,"start":15.684999,"end":16.744999},{"sentences":[{"text":"Yep.","start":17.065,"end":17.545,"sentiment":"neutral","sentiment_score":0.228231281042099},{"text":"Perfect.","start":17.545,"end":18.045,"sentiment":"positive","sentiment_score":0.44892418384552},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's","start":18.744999,"end":25.625,"sentiment":"neutral","sentiment_score":0.033029459816004546}],"sentiment":"neutral","sentiment_score":0.053399344657858214,"channel":0,"num_words":30,"start":17.065,"end":25.625},{"sentences":[{"text":"Yeah.","start":25.44,"end":25.92,"sentiment":"neutral","sentiment_score":0.08740038424730301}],"sentiment":"neutral","sentiment_score":0.08740038424730301,"channel":1,"num_words":1,"start":25.44,"end":25.92},{"sentences":[{"text":"okay.","start":25.625,"end":26.125,"sentiment":"neutral","sentiment_score":0.13908842206001282}],"sentiment":"neutral","sentiment_score":0.13908842206001282,"channel":0,"num_words":1,"start":25.625,"end":26.125},{"sentences":[{"text":"It's fine.","start":25.92,"end":27.380001,"sentiment":"neutral","sentiment_score":0.19262928515672684}],"sentiment":"neutral","sentiment_score":0.19262928515672684,"channel":1,"num_words":2,"start":25.92,"end":27.380001},{"sentences":[{"text":"Yep.","start":27.32,"end":27.8,"sentiment":"neutral","sentiment_score":0.18441513180732727},{"text":"Perfect.","start":27.8,"end":28.3,"sentiment":"positive","sentiment_score":0.34755560755729675},{"text":"And just to confirm, I am speaking with the right person.","start":28.36,"end":31.32,"sentiment":"neutral","sentiment_score":0.13831160149791025},{"text":"I do have a password on file.","start":31.32,"end":33.0,"sentiment":"neutral","sentiment_score":0.08560530309166227},{"text":"Do you know where that might be?","start":33.0,"end":34.54,"sentiment":"neutral","sentiment_score":0.043791522937161584}],"sentiment":"neutral","sentiment_score":0.10959911622382977,"channel":0,"num_words":27,"start":27.32,"end":34.54},{"sentences":[{"text":"Cricket.","start":34.88,"end":35.38,"sentiment":"neutral","sentiment_score":0.040250662714242935}],"sentiment":"neutral","sentiment_score":0.040250662714242935,"channel":1,"num_words":1,"start":34.88,"end":35.38},{"sentences":[{"text":"Yep.","start":35.88,"end":36.36,"sentiment":"neutral","sentiment_score":0.08653633296489716},{"text":"Perfect.","start":36.36,"end":36.86,"sentiment":"neutral","sentiment_score":0.25494787096977234},{"text":"And how's your morning been so far?","start":37.0,"end":38.68,"sentiment":"neutral","sentiment_score":0.11452760973146983},{"text":"Been busy or just kind of getting started?","start":38.68,"end":40.7,"sentiment":"neutral","sentiment_score":0.042428794084116817}],"sentiment":"neutral","sentiment_score":0.0872122249839937,"channel":0,"num_words":17,"start":35.88,"end":40.7},{"sentences":[{"text":"It's my first day off.","start":41.065,"end":42.524998,"sentiment":"neutral","sentiment_score":0.08676516637206078}],"sentiment":"neutral","sentiment_score":0.08676516637206078,"channel":1,"num_words":5,"start":41.065,"end":42.524998},{"sentences":[{"text":"Oh, nice.","start":43.175003,"end":43.915,"sentiment":"neutral","sentiment_score":0.321956992149353},{"text":"Well, I will try not to take up too much of your of your time.","start":44.295002,"end":47.915,"sentiment":"neutral","sentiment_score":0.03756290823221207},{"text":"It is just to go over your annual review, and I know we spoke, obviously, to sort out your insurances up not too long ago.","start":48.935,"end":55.515,"sentiment":"neutral","sentiment_score":0.05942611657083034},{"text":"So,","start":55.820004,"end":56.140003,"sentiment":"neutral","sentiment_score":0.0699932873249054}],"sentiment":"neutral","sentiment_score":0.06425590254366398,"channel":0,"num_words":43,"start":43.175003,"end":56.140003},{"sentences":[{"text":"Yep.","start":55.899998,"end":56.399998,"sentiment":"neutral","sentiment_score":0.08926109969615936}],"sentiment":"neutral","sentiment_score":0.08926109969615936,"channel":1,"num_words":1,"start":55.899998,"end":56.399998},{"sentences":[{"text":"again, I will try to do this as quickly as I can for you.","start":56.140003,"end":59.84,"sentiment":"neutral","sentiment_score":0.18521861944879806}],"sentiment":"neutral","sentiment_score":0.18521861944879806,"channel":0,"num_words":14,"start":56.140003,"end":59.84},{"sentences":[{"text":"Yeah.","start":59.899998,"end":60.14,"sentiment":"neutral","sentiment_score":0.0651140958070755},{"text":"You're up.","start":60.14,"end":60.96,"sentiment":"neutral","sentiment_score":0.07660288363695145}],"sentiment":"neutral","sentiment_score":0.07277328769365947,"channel":1,"num_words":3,"start":59.899998,"end":60.96},{"sentences":[{"text":"Now just before I do jump into the annual review, though, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on, or is it just just the the usual review for you?","start":61.18,"end":75.685005,"sentiment":"neutral","sentiment_score":0.006762126392938874}],"sentiment":"neutral","sentiment_score":0.006762126392938874,"channel":0,"num_words":55,"start":61.18,"end":75.685005},{"sentences":[{"text":"Just the usual review 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yourself?","start":679.945,"end":683.485,"sentiment":"neutral","sentiment_score":0.07602422777563334}],"sentiment":"neutral","sentiment_score":0.07602422777563334,"channel":0,"num_words":12,"start":679.945,"end":683.485},{"sentences":[{"text":"Yes.","start":684.14,"end":684.64,"sentiment":"neutral","sentiment_score":0.0927961841225624}],"sentiment":"neutral","sentiment_score":0.0927961841225624,"channel":1,"num_words":1,"start":684.14,"end":684.64},{"sentences":[{"text":"Yep.","start":685.065,"end":685.385,"sentiment":"neutral","sentiment_score":0.09012486040592194},{"text":"Do you still have some investments?","start":685.385,"end":688.205,"sentiment":"neutral","sentiment_score":0.048349600906173386}],"sentiment":"neutral","sentiment_score":0.05431749512042318,"channel":0,"num_words":7,"start":685.065,"end":688.205},{"sentences":[{"text":"No.","start":689.34,"end":689.84,"sentiment":"neutral","sentiment_score":-0.1068396419286728}],"sentiment":"neutral","sentiment_score":-0.1068396419286728,"channel":1,"num_words":1,"start":689.34,"end":689.84},{"sentences":[{"text":"No.","start":689.945,"end":690.445,"sentiment":"neutral","sentiment_score":-0.09080664813518524},{"text":"Okay.","start":690.505,"end":691.005,"sentiment":"neutral","sentiment_score":-0.03366318345069885},{"text":"And next is kind of I guess at the at the moment, do you know when you would like to start accessing your super or when you're planning on retire?","start":694.2,"end":703.18,"sentiment":"neutral","sentiment_score":-0.024682967954625688},{"text":"Can seem far away, but do you have any idea when you when you're thinking?","start":703.4,"end":707.42,"sentiment":"neutral","sentiment_score":-0.0707151378194491}],"sentiment":"neutral","sentiment_score":-0.040972041223753,"channel":0,"num_words":47,"start":689.945,"end":707.42},{"sentences":[{"text":"Not not at all,","start":708.16003,"end":709.52,"sentiment":"neutral","sentiment_score":-0.08238203264772892}],"sentiment":"neutral","sentiment_score":-0.08238203264772892,"channel":1,"num_words":4,"start":708.16003,"end":709.52},{"sentences":[{"text":"No.","start":709.45496,"end":709.95496,"sentiment":"neutral","sentiment_score":-0.100891575217247}],"sentiment":"neutral","sentiment_score":-0.100891575217247,"channel":0,"num_words":1,"start":709.45496,"end":709.95496},{"sentences":[{"text":"dear.","start":709.52,"end":710.02,"sentiment":"neutral","sentiment_score":-0.07923905551433563}],"sentiment":"neutral","sentiment_score":-0.07923905551433563,"channel":1,"num_words":1,"start":709.52,"end":710.02},{"sentences":[{"text":"No.","start":710.495,"end":710.735,"sentiment":"neutral","sentiment_score":-0.13254724442958832},{"text":"That's okay.","start":710.735,"end":711.555,"sentiment":"neutral","sentiment_score":-0.032177409157156944},{"text":"Otherwise, I do have here that last time we spoke.","start":712.735,"end":715.71497,"sentiment":"neutral","sentiment_score":0.14759279787540436},{"text":"Ideally, you would like to retire at 60 when you can, if you have the option to do so and draw a week weekly income of about $1,000 per week, do you think that would still kind of, be achievable for you?","start":716.65497,"end":730.21,"sentiment":"neutral","sentiment_score":0.1513525407229151}],"sentiment":"neutral","sentiment_score":0.13883332047950137,"channel":0,"num_words":55,"start":710.495,"end":730.21},{"sentences":[{"text":"Yep.","start":730.65497,"end":730.975,"sentiment":"neutral","sentiment_score":0.06538242101669312},{"text":"Yeah.","start":730.975,"end":731.45496,"sentiment":"neutral","sentiment_score":0.06362447142601013},{"text":"At this stage,","start":731.45496,"end":732.095,"sentiment":"neutral","sentiment_score":0.0540528471271197}],"sentiment":"neutral","sentiment_score":0.05823308676481247,"channel":1,"num_words":5,"start":730.65497,"end":732.095},{"sentences":[{"text":"Yep.","start":732.03,"end":732.53,"sentiment":"neutral","sentiment_score":0.08564774692058563}],"sentiment":"neutral","sentiment_score":0.08564774692058563,"channel":0,"num_words":1,"start":732.03,"end":732.53},{"sentences":[{"text":"you should be hearing.","start":732.095,"end":733.11,"sentiment":"neutral","sentiment_score":0.0804583728313446}],"sentiment":"neutral","sentiment_score":0.0804583728313446,"channel":1,"num_words":4,"start":732.095,"end":733.11},{"sentences":[{"text":"Yep.","start":733.15,"end":733.63,"sentiment":"neutral","sentiment_score":0.1197412610054016},{"text":"Perfect.","start":733.63,"end":734.13,"sentiment":"positive","sentiment_score":0.37640613317489624},{"text":"Now next is when it comes to inflation.","start":736.68506,"end":739.585,"sentiment":"neutral","sentiment_score":0.04202047945000231},{"text":"So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing more, unfortunately.","start":739.885,"end":747.98505,"sentiment":"neutral","sentiment_score":-0.1347585372965444},{"text":"Now how much of a risk are you willing to take in order to try to keep up with your rising prices?","start":749.12,"end":755.38,"sentiment":"neutral","sentiment_score":-0.12121204557743939}],"sentiment":"neutral","sentiment_score":-0.08887114061939495,"channel":0,"num_words":54,"start":733.15,"end":755.38},{"sentences":[{"text":"Would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk?","start":756.16,"end":762.89996,"sentiment":"neutral","sentiment_score":-0.06515577009746007}],"sentiment":"neutral","sentiment_score":-0.06515577009746007,"channel":0,"num_words":21,"start":756.16,"end":762.89996},{"sentences":[{"text":"Fine.","start":763.64996,"end":763.88995,"sentiment":"neutral","sentiment_score":0.001703859306871891},{"text":"Moderate.","start":763.88995,"end":764.38995,"sentiment":"neutral","sentiment_score":-0.00234052911400795}],"sentiment":"neutral","sentiment_score":-0.0003183349035680294,"channel":1,"num_words":2,"start":763.64996,"end":764.38995},{"sentences":[{"text":"Moderate.","start":764.825,"end":765.325,"sentiment":"neutral","sentiment_score":0.05629971623420715},{"text":"Perfect.","start":766.265,"end":766.765,"sentiment":"positive","sentiment_score":0.3475115895271301},{"text":"Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start":769.545,"end":782.6,"sentiment":"neutral","sentiment_score":-0.2708722294280023},{"text":"Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens, Or do you think you'd want to shift to a more secure asset?","start":783.54,"end":797.875,"sentiment":"neutral","sentiment_score":-0.1275915122844956},{"text":"But that means you are then selling when the prices have dropped.","start":798.255,"end":801.075,"sentiment":"neutral","sentiment_score":-0.27873070413867634}],"sentiment":"neutral","sentiment_score":-0.18526739108504034,"channel":0,"num_words":102,"start":764.825,"end":801.075},{"sentences":[{"text":"You said what?","start":803.055,"end":804.19495,"sentiment":"neutral","sentiment_score":-0.1091568519671758}],"sentiment":"neutral","sentiment_score":-0.1091568519671758,"channel":1,"num_words":3,"start":803.055,"end":804.19495},{"sentences":[{"text":"Just hold and wait.","start":805.055,"end":806.435,"sentiment":"neutral","sentiment_score":-0.13550181686878204}],"sentiment":"neutral","sentiment_score":-0.13550181686878204,"channel":0,"num_words":4,"start":805.055,"end":806.435},{"sentences":[{"text":"K.","start":806.735,"end":807.235,"sentiment":"neutral","sentiment_score":0.06470091640949249}],"sentiment":"neutral","sentiment_score":0.06470091640949249,"channel":1,"num_words":1,"start":806.735,"end":807.235},{"sentences":[{"text":"Perfect.","start":806.88,"end":807.38,"sentiment":"neutral","sentiment_score":0.3187566101551056},{"text":"Yep.","start":807.68,"end":808.18,"sentiment":"neutral","sentiment_score":0.15974381566047668},{"text":"Now have you ever noticed your superannuation or any other assets fluctuate and fall in value?","start":810.0,"end":818.58,"sentiment":"neutral","sentiment_score":0.00010856363223865628},{"text":"If so, how did that make you feel?","start":819.925,"end":822.985,"sentiment":"neutral","sentiment_score":0.09508746024221182},{"text":"Would you say optimistic about potential future opportunities, a bit more kind of neutral, not really making any further investments, concerned, or highly anxious?","start":823.125,"end":834.43,"sentiment":"neutral","sentiment_score":0.012158279617627462}],"sentiment":"neutral","sentiment_score":0.03065471673384309,"channel":0,"num_words":50,"start":806.88,"end":834.43},{"sentences":[{"text":"Neutral.","start":835.625,"end":836.125,"sentiment":"neutral","sentiment_score":-0.03339480981230736}],"sentiment":"neutral","sentiment_score":-0.03339480981230736,"channel":1,"num_words":1,"start":835.625,"end":836.125},{"sentences":[{"text":"Just neutral.","start":836.49,"end":837.23,"sentiment":"neutral","sentiment_score":0.007731340825557709},{"text":"Perfect.","start":837.37,"end":837.87,"sentiment":"neutral","sentiment_score":0.0013530125143006444},{"text":"And the last one here is, would you ever consider taking out a loan to invest in stocks or funds?","start":838.00995,"end":843.87,"sentiment":"neutral","sentiment_score":-0.025781264435499905}],"sentiment":"neutral","sentiment_score":-0.021687373675851395,"channel":0,"num_words":23,"start":836.49,"end":843.87},{"sentences":[{"text":"No.","start":844.57,"end":845.07,"sentiment":"neutral","sentiment_score":-0.15817053616046906}],"sentiment":"neutral","sentiment_score":-0.15817053616046906,"channel":1,"num_words":1,"start":844.57,"end":845.07},{"sentences":[{"text":"No.","start":845.46497,"end":845.785,"sentiment":"neutral","sentiment_score":-0.13346904516220093},{"text":"Would you ever consider taking out a loan to buy an investment 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portfolio.","start":860.52997,"end":864.07,"sentiment":"neutral","sentiment_score":0.08806499380331773}],"sentiment":"neutral","sentiment_score":0.16246847893510546,"channel":0,"num_words":35,"start":850.505,"end":864.07},{"sentences":[{"text":"Yep.","start":865.09503,"end":865.59503,"sentiment":"neutral","sentiment_score":0.0698186606168747}],"sentiment":"neutral","sentiment_score":0.0698186606168747,"channel":1,"num_words":1,"start":865.09503,"end":865.59503},{"sentences":[{"text":"So do you remember the difference between those two at all?","start":865.17,"end":868.07,"sentiment":"neutral","sentiment_score":0.009543053805828094},{"text":"Yep.","start":869.08997,"end":869.57,"sentiment":"neutral","sentiment_score":0.12861010432243347},{"text":"Perfect.","start":869.57,"end":870.07,"sentiment":"positive","sentiment_score":0.3821057081222534},{"text":"And are you still quite comfortable to remain in the the high growth portfolio, or or what are your 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through.","start":928.91504,"end":931.075,"sentiment":"neutral","sentiment_score":0.11640157364308834}],"sentiment":"neutral","sentiment_score":0.13715776963078458,"channel":0,"num_words":23,"start":921.60004,"end":931.075},{"sentences":[{"text":"And we have recently changed software software as well, so it might look a little bit different to what you would use too.","start":931.075,"end":938.135,"sentiment":"neutral","sentiment_score":0.04087005717598874}],"sentiment":"neutral","sentiment_score":0.04087005717598874,"channel":0,"num_words":23,"start":931.075,"end":938.135},{"sentences":[{"text":"Is that the Veronica Glavoam?","start":939.99,"end":942.08997,"sentiment":"neutral","sentiment_score":0.030979806557297707}],"sentiment":"neutral","sentiment_score":0.030979806557297707,"channel":1,"num_words":5,"start":939.99,"end":942.08997},{"sentences":[{"text":"Yes.","start":942.69,"end":943.08997,"sentiment":"neutral","sentiment_score":0.04814320430159569},{"text":"That's the 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an extension to the team, which is great.","start":988.395,"end":991.035,"sentiment":"positive","sentiment_score":0.6839233132509085},{"text":"So when you have a look at it, you will see us all in there and the new team as well.","start":991.035,"end":995.455,"sentiment":"positive","sentiment_score":0.37344822713306974}],"sentiment":"positive","sentiment_score":0.3944548137333928,"channel":0,"num_words":49,"start":983.275,"end":995.455},{"sentences":[{"text":"We've also had a bit of a change to our marketing, so it's just basically an updated version.","start":995.68,"end":999.78,"sentiment":"neutral","sentiment_score":0.09198413002822134},{"text":"Same information otherwise.","start":1000.24,"end":1001.60004,"sentiment":"neutral","sentiment_score":0.08420536667108536},{"text":"Just all the important information in there for you.","start":1001.60004,"end":1004.0,"sentiment":"neutral","sentiment_score":0.2047389182779524},{"text":"They're quite long, so I'll let you have a read over that in your own time.","start":1004.0,"end":1007.46,"sentiment":"neutral","sentiment_score":0.0026843036175705492}],"sentiment":"neutral","sentiment_score":0.08247672962834654,"channel":0,"num_words":46,"start":995.68,"end":1007.46},{"sentences":[{"text":"Yep.","start":1007.625,"end":1008.125,"sentiment":"neutral","sentiment_score":0.02966017834842205}],"sentiment":"neutral","sentiment_score":0.02966017834842205,"channel":1,"num_words":1,"start":1007.625,"end":1008.125},{"sentences":[{"text":"What is the next one you can see?","start":1009.055,"end":1010.75494,"sentiment":"neutral","sentiment_score":0.017378989374265075}],"sentiment":"neutral","sentiment_score":0.017378989374265075,"channel":0,"num_words":8,"start":1009.055,"end":1010.75494},{"sentences":[{"text":"After version one, I got","start":1013.945,"end":1016.045,"sentiment":"neutral","sentiment_score":0.018074550293385984}],"sentiment":"neutral","sentiment_score":0.018074550293385984,"channel":1,"num_words":5,"start":1013.945,"end":1016.045},{"sentences":[{"text":"Yep.","start":1015.69495,"end":1016.19495,"sentiment":"neutral","sentiment_score":0.015776051208376884}],"sentiment":"neutral","sentiment_score":0.015776051208376884,"channel":0,"num_words":1,"start":1015.69495,"end":1016.19495},{"sentences":[{"text":"version four.","start":1016.265,"end":1017.245,"sentiment":"neutral","sentiment_score":0.02044796198606491}],"sentiment":"neutral","sentiment_score":0.02044796198606491,"channel":1,"num_words":2,"start":1016.265,"end":1017.245},{"sentences":[{"text":"Yep.","start":1017.69495,"end":1017.935,"sentiment":"neutral","sentiment_score":0.033671822398900986},{"text":"And after that one","start":1017.935,"end":1019.315,"sentiment":"neutral","sentiment_score":0.029171479865908623}],"sentiment":"neutral","sentiment_score":0.030071548372507095,"channel":0,"num_words":5,"start":1017.69495,"end":1019.315},{"sentences":[{"text":"Super and insurance summary, William Murphy.","start":1021.14,"end":1023.72,"sentiment":"neutral","sentiment_score":0.04435236193239689}],"sentiment":"neutral","sentiment_score":0.04435236193239689,"channel":1,"num_words":6,"start":1021.14,"end":1023.72},{"sentences":[{"text":"yes.","start":1024.11,"end":1024.4299,"sentiment":"neutral","sentiment_score":0.04974788427352905},{"text":"If you wanna open that one for 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process.","start":1041.1649,"end":1045.0049,"sentiment":"neutral","sentiment_score":0.04818606262023632},{"text":"So we have requested that final rollover for Australian Retirement Trust already.","start":1045.0049,"end":1049.36,"sentiment":"neutral","sentiment_score":0.07016204825292031}],"sentiment":"neutral","sentiment_score":0.0994328559451812,"channel":0,"num_words":37,"start":1035.6449,"end":1049.36},{"sentences":[{"text":"Yep.","start":1050.22,"end":1050.72,"sentiment":"neutral","sentiment_score":0.06428582966327667}],"sentiment":"neutral","sentiment_score":0.06428582966327667,"channel":1,"num_words":1,"start":1050.22,"end":1050.72},{"sentences":[{"text":"But because it's obviously with them, sometimes it takes a couple of days for the funds to drop in your Hub 24, which is the only reason why it looks like that.","start":1050.3,"end":1058.54,"sentiment":"neutral","sentiment_score":-0.01206691499100998},{"text":"So the we placed them the request, so it's on its 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is your Benelon Australian equity.","start":1311.915,"end":1314.155,"sentiment":"neutral","sentiment_score":0.05759528155128161},{"text":"That is the the first one.","start":1314.155,"end":1315.595,"sentiment":"neutral","sentiment_score":0.06586846647163232},{"text":"So this is your managed fund.","start":1315.595,"end":1317.535,"sentiment":"neutral","sentiment_score":0.05876976934572061}],"sentiment":"neutral","sentiment_score":0.06074450578954485,"channel":0,"num_words":18,"start":1311.915,"end":1317.535},{"sentences":[{"text":"Yep.","start":1318.39,"end":1318.815,"sentiment":"neutral","sentiment_score":0.06499912589788437}],"sentiment":"neutral","sentiment_score":0.06499912589788437,"channel":1,"num_words":1,"start":1318.39,"end":1318.815},{"sentences":[{"text":"Can you see that one 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that.","start":1567.125,"end":1574.26,"sentiment":"neutral","sentiment_score":0.18124382629206306}],"sentiment":"neutral","sentiment_score":0.19365102797746658,"channel":0,"num_words":27,"start":1565.045,"end":1574.26},{"sentences":[{"text":"Yep.","start":1575.865,"end":1576.365,"sentiment":"neutral","sentiment_score":0.17009881138801575}],"sentiment":"neutral","sentiment_score":0.17009881138801575,"channel":1,"num_words":1,"start":1575.865,"end":1576.365},{"sentences":[{"text":"And then it should also be, I think, a tax file number form as well.","start":1576.48,"end":1581.3,"sentiment":"neutral","sentiment_score":0.16353846540053685}],"sentiment":"neutral","sentiment_score":0.16353846540053685,"channel":0,"num_words":15,"start":1576.48,"end":1581.3},{"sentences":[{"text":"Yeah.","start":1583.19,"end":1583.69,"sentiment":"neutral","sentiment_score":0.11675532162189484}],"sentiment":"neutral","sentiment_score":0.11675532162189484,"channel":1,"num_words":1,"start":1583.19,"end":1583.69},{"sentences":[{"text":"Yeah.","start":1583.8551,"end":1584.3551,"sentiment":"neutral","sentiment_score":0.1399896740913391},{"text":"And that's just basically one of those compliance documents to say that we are keeping your tax file number secure on file.","start":1584.495,"end":1589.9551,"sentiment":"neutral","sentiment_score":0.22718653082847595},{"text":"So, basically, from here, if you are happy to sign those documents, Once you've signed them, it will then come through to me.","start":1590.3351,"end":1598.4701,"sentiment":"neutral","sentiment_score":0.15973625461692395},{"text":"I will let the team know, and we'll get that uploaded on","start":1598.4701,"end":1601.51,"sentiment":"neutral","sentiment_score":0.19250212609767914}],"sentiment":"neutral","sentiment_score":0.19175952968412432,"channel":0,"num_words":58,"start":1583.8551,"end":1601.51},{"sentences":[{"text":"Yep.","start":1601.465,"end":1601.965,"sentiment":"neutral","sentiment_score":0.13594511151313782}],"sentiment":"neutral","sentiment_score":0.13594511151313782,"channel":1,"num_words":1,"start":1601.465,"end":1601.965},{"sentences":[{"text":"your account.","start":1601.51,"end":1602.41,"sentiment":"neutral","sentiment_score":0.135764941573143},{"text":"If you have any issues signing, let me know because it is, like I said, a little bit different to what it was last time.","start":1605.1901,"end":1611.4501,"sentiment":"neutral","sentiment_score":0.032899442315101626}],"sentiment":"neutral","sentiment_score":0.04051910892680839,"channel":0,"num_words":27,"start":1601.51,"end":1611.4501},{"sentences":[{"text":"Yep.","start":1611.9801,"end":1612.38,"sentiment":"neutral","sentiment_score":0.1172899603843689},{"text":"And I was just on it, so you should have received it.","start":1612.38,"end":1615.2001,"sentiment":"neutral","sentiment_score":0.18619006065030894}],"sentiment":"neutral","sentiment_score":0.18089005293754432,"channel":1,"num_words":13,"start":1611.9801,"end":1615.2001},{"sentences":[{"text":"Great.","start":1615.455,"end":1615.9349,"sentiment":"positive","sentiment_score":0.6906969547271729},{"text":"Perfect.","start":1615.9349,"end":1616.415,"sentiment":"positive","sentiment_score":0.619049608707428},{"text":"Sometimes it takes a couple of minutes to come through on my end, so I'll keep a lookout on this.","start":1616.415,"end":1620.4349,"sentiment":"neutral","sentiment_score":0.32012477815151213},{"text":"Keep a lookout for the the ROA, so that record of advice to show the change in investment for you as well.","start":1621.455,"end":1628.52,"sentiment":"neutral","sentiment_score":0.25974813171408395},{"text":"And I will","start":1628.58,"end":1629.0599,"sentiment":"neutral","sentiment_score":0.09813419232765834}],"sentiment":"neutral","sentiment_score":0.29193837449271626,"channel":0,"num_words":47,"start":1615.455,"end":1629.0599},{"sentences":[{"text":"Yep.","start":1629.0249,"end":1629.5249,"sentiment":"neutral","sentiment_score":0.05097687989473343}],"sentiment":"neutral","sentiment_score":0.05097687989473343,"channel":1,"num_words":1,"start":1629.0249,"end":1629.5249},{"sentences":[{"text":"also get the team to email you out those beneficiary form for your super insurance so we can get","start":1629.0599,"end":1634.5,"sentiment":"neutral","sentiment_score":0.1922048522453559}],"sentiment":"neutral","sentiment_score":0.1922048522453559,"channel":0,"num_words":19,"start":1629.0599,"end":1634.5},{"sentences":[{"text":"Alright.","start":1634.37,"end":1634.87,"sentiment":"neutral","sentiment_score":0.09317372739315032}],"sentiment":"neutral","sentiment_score":0.09317372739315032,"channel":1,"num_words":1,"start":1634.37,"end":1634.87},{"sentences":[{"text":"that sorted.","start":1634.5,"end":1635.24,"sentiment":"neutral","sentiment_score":0.15615055710077286}],"sentiment":"neutral","sentiment_score":0.15615055710077286,"channel":0,"num_words":2,"start":1634.5,"end":1635.24},{"sentences":[{"text":"So what do you","start":1636.53,"end":1637.43,"sentiment":"neutral","sentiment_score":0.07729397341609001}],"sentiment":"neutral","sentiment_score":0.07729397341609001,"channel":1,"num_words":4,"start":1636.53,"end":1637.43},{"sentences":[{"text":"Perfect.","start":1637.14,"end":1637.64,"sentiment":"positive","sentiment_score":0.3650111258029938},{"text":"Do you have any other questions, for","start":1637.885,"end":1639.885,"sentiment":"neutral","sentiment_score":0.08892837220004626}],"sentiment":"neutral","sentiment_score":0.1234387164004147,"channel":0,"num_words":8,"start":1637.14,"end":1639.885},{"sentences":[{"text":"think?","start":1639.6901,"end":1640.1901,"sentiment":"neutral","sentiment_score":0.04559069871902466}],"sentiment":"neutral","sentiment_score":0.04559069871902466,"channel":1,"num_words":1,"start":1639.6901,"end":1640.1901},{"sentences":[{"text":"me otherwise, William, before I let you go?","start":1639.885,"end":1642.145,"sentiment":"neutral","sentiment_score":0.006053510122001171},{"text":"No.","start":1642.4451,"end":1642.9451,"sentiment":"neutral","sentiment_score":-0.11629348993301392}],"sentiment":"neutral","sentiment_score":-0.007540600995222728,"channel":0,"num_words":9,"start":1639.885,"end":1642.9451},{"sentences":[{"text":"No.","start":1642.4501,"end":1642.6901,"sentiment":"neutral","sentiment_score":-0.1241285875439644},{"text":"No.","start":1642.6901,"end":1642.93,"sentiment":"neutral","sentiment_score":-0.12785343825817108},{"text":"No.","start":1642.93,"end":1643.09,"sentiment":"neutral","sentiment_score":-0.1279394030570984},{"text":"No.","start":1643.09,"end":1643.25,"sentiment":"neutral","sentiment_score":-0.08677821606397629},{"text":"The questions?","start":1643.25,"end":1643.91,"sentiment":"neutral","sentiment_score":-0.05187338963150978}],"sentiment":"neutral","sentiment_score":-0.09507440403103828,"channel":1,"num_words":6,"start":1642.4501,"end":1643.91},{"sentences":[{"text":"Great.","start":1644.285,"end":1644.765,"sentiment":"positive","sentiment_score":0.6709742546081543},{"text":"Perfect.","start":1644.765,"end":1645.165,"sentiment":"positive","sentiment_score":0.6690754890441895},{"text":"Well, I will let you go and enjoy your day off.","start":1645.165,"end":1647.0851,"sentiment":"positive","sentiment_score":0.737796425819397},{"text":"And if you do need anything else, don't hesitate to give me a call.","start":1647.0851,"end":1650.3928,"sentiment":"neutral","sentiment_score":0.3009903548019273}],"sentiment":"positive","sentiment_score":0.5062842738849146,"channel":0,"num_words":27,"start":1644.285,"end":1650.3928},{"sentences":[{"text":"No worries.","start":1650.7329,"end":1651.213,"sentiment":"positive","sentiment_score":0.37119902670383453},{"text":"Thank you very much.","start":1651.213,"end":1652.273,"sentiment":"positive","sentiment_score":0.7784152925014496}],"sentiment":"positive","sentiment_score":0.6426765372355779,"channel":1,"num_words":6,"start":1650.7329,"end":1652.273},{"sentences":[{"text":"Alright.","start":1652.1528,"end":1652.3129,"sentiment":"positive","sentiment_score":0.3610817790031433},{"text":"No problem at all.","start":1652.3129,"end":1653.1929,"sentiment":"positive","sentiment_score":0.4055338054895401},{"text":"We'll speak soon.","start":1653.1929,"end":1654.1729,"sentiment":"neutral","sentiment_score":0.2891690234343211}],"sentiment":"positive","sentiment_score":0.35634050890803337,"channel":0,"num_words":8,"start":1652.1528,"end":1654.1729},{"sentences":[{"text":"No worries.","start":1654.333,"end":1654.9729,"sentiment":"neutral","sentiment_score":0.18480037152767181},{"text":"Bye.","start":1654.9729,"end":1655.4729,"sentiment":"neutral","sentiment_score":0.16934123635292053}],"sentiment":"neutral","sentiment_score":0.1796473264694214,"channel":1,"num_words":3,"start":1654.333,"end":1655.4729},{"sentences":[{"text":"Bye.","start":1655.5928,"end":1656.0928,"sentiment":"neutral","sentiment_score":-0.12050200998783112}],"sentiment":"neutral","sentiment_score":-0.12050200998783112,"channel":0,"num_words":1,"start":1655.5928,"end":1656.0928}]},"summary":{"result":"success","short":"A representative from Financial calls William to go over his annual review and updates his personal and employment information, including his income and employment details. They go over his health insurance and medication history. The representative recommends health insurance for retirement and the customer discusses their risk profile and willingness to take on a loan to invest in stocks or funds. They also recommend swapping an investment for another one and provide advice on risk protection and income protection. The agent recommends swapping an Australian equity investment for another one to maximize growth and provides a tax file number form and compliance document for the customer to sign. The customer is advised to keep their tax file number secure on file and the agent will send a record of advice to show the change in investment."},"intents":{"segments":[{"text":"I had you booked in to quickly go over your annual review. Is now still a good time for you? Yeah.","start_word":20,"end_word":40,"intents":[{"intent":"Discuss review","confidence_score":0.061291784},{"intent":"Inquire about status","confidence_score":0.00008436787}]},{"text":"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? Cricket.","start_word":79,"end_word":104,"intents":[{"intent":"Confirm identity","confidence_score":0.65745884}]},{"text":"I do have a password on file. Do you know where that might be?","start_word":90,"end_word":103,"intents":[{"intent":"Provide password","confidence_score":0.10706067}]},{"text":"Now I'll quickly just run through a bit of an updated fact to see if there's anything that has changed in your life since we spoke last. I'm not sure we'll do it quickly because I'm sure most of the things are fairly up to date. But when it comes to your personal information, I have you down here as a de facto relationship with two financial dependent. Yep.","start_word":251,"end_word":319,"intents":[{"intent":"Ask for personal information","confidence_score":0.00334635}]},{"text":"I don't actually have your partner's name on file, though. Would you be able to provide that for me? Yeah.","start_word":322,"end_word":341,"intents":[{"intent":"Provide name on file","confidence_score":0.019137219}]},{"text":"What's your new address, and I'll get that updated for you.","start_word":701,"end_word":711,"intents":[{"intent":"Update address","confidence_score":0.9270416},{"intent":"Update information","confidence_score":0.020681629},{"intent":"Update address","confidence_score":0.55302286},{"intent":"Update address","confidence_score":0.69936466},{"intent":"Confirm current address","confidence_score":0.00011756014},{"intent":"Update address","confidence_score":0.45457667}]},{"text":"What's your new address, and I'll get that updated for you. House Number 47 Of 73.","start_word":701,"end_word":716,"intents":[{"intent":"Update property details","confidence_score":0.003453975}]},{"text":"I lost all check that that 18 grain left on.","start_word":829,"end_word":838,"intents":[{"intent":"Check balance","confidence_score":0.009117763}]},{"text":"Any changes to your health otherwise? Any new medication or new illnesses or injuries or anything? No. No. Perfect.","start_word":966,"end_word":984,"intents":[{"intent":"Inquire about potential changes to health","confidence_score":4.0819284e-8}]},{"text":"Now with your super and your insurances as well, I do have here at the moment that we are waiting on the beneficiary forms to come back. So if something were to happen to you, who you want to nominate to receive the funds. Hold on.","start_word":1156,"end_word":1201,"intents":[{"intent":"Acquire gift certificate","confidence_score":4.4192637e-7}]},{"text":"So do you have access to your printer at all, William? Yeah.","start_word":1249,"end_word":1260,"intents":[{"intent":"Print and confirm document","confidence_score":0.00043329454}]},{"text":"So do you have access to your printer at all, William? Yeah. Yeah.","start_word":1249,"end_word":1261,"intents":[{"intent":"Acquire access to printer","confidence_score":0.00043654675},{"intent":"Print document","confidence_score":0.0011936307}]},{"text":"Because it is making a legal nomination, just have to be printed and wet signed and witnessed. Send it back to us, and then we'll get that uploaded for your super and your insurances as well. Yep.","start_word":1295,"end_word":1331,"intents":[{"intent":"Send document","confidence_score":0.00009934062}]},{"text":"If it's over 18, unless they have there's, like, a disability or they are at uni and stuff like that, they can then be taxed on the benefits that they received. But Yeah.","start_word":1397,"end_word":1429,"intents":[{"intent":"Explain tax benefits","confidence_score":0.0073035094}]},{"text":"Otherwise, I do have here that last time we spoke. Ideally, you would like to retire at 60 when you can, if you have the option to do so and draw a week weekly income of about $1,000 per week, do you think that would still kind of, be achievable for you? Yep. Yeah.","start_word":1842,"end_word":1895,"intents":[{"intent":"Assess retirement plan","confidence_score":0.0003804444}]},{"text":"Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start_word":1983,"end_word":2015,"intents":[{"intent":"Analyze portfolio value","confidence_score":0.0024636774}]},{"text":"Would you say optimistic about potential future opportunities, a bit more kind of neutral, not really making any further investments, concerned, or highly anxious?","start_word":2117,"end_word":2140,"intents":[{"intent":"Evaluate future plans","confidence_score":0.0013745566}]},{"text":"So we have requested that final rollover for Australian Retirement Trust already.","start_word":2721,"end_word":2732,"intents":[{"intent":"Request final rollover","confidence_score":0.01189042}]},{"text":"Because your income has gone up quite a bit, there is a little bit of a gap with how much you could be covered for versus what you currently have. Do you still feel if something were to happen to you, do you still think that 4,375 would cover kind of bills and expenses, or do you think you would want to look at increasing the income protection?","start_word":2901,"end_word":2968,"intents":[{"intent":"Clarify policy coverage","confidence_score":0.04309274}]},{"text":"So you'll basically see, yeah, what's happened in the last twelve months, how it's all performed.","start_word":3303,"end_word":3318,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.037457775}]},{"text":"More recently, they've kind of underperformed a little bit. And one of their Yep.","start_word":3646,"end_word":3659,"intents":[{"intent":"Discuss underperformance","confidence_score":0.000060386537}]},{"text":"you are happy for me to do so, I would like to swap that one out for another one.","start_word":3723,"end_word":3741,"intents":[{"intent":"Swap portfolio","confidence_score":0.16713087}]},{"text":"So if you are happy with that, because I think overall it's going to put you in a better position moving forward, I will go and make that change.","start_word":3846,"end_word":3874,"intents":[{"intent":"Make change","confidence_score":0.43463263}]},{"text":"I will send you a a record of advice. You don't have to sign it, but it's just for your reference. And Yep. it's just to send you the document to show you swapping Ben along just for that one investment. Yep.","start_word":3875,"end_word":3916,"intents":[{"intent":"Send document","confidence_score":0.7887461}]},{"text":"So keep a look at for that email. Like you not said, I don't need you don't need to sign anything. And if you are happy for us to go ahead and make that change, I will let the team know to authorize that change once we send you that that document. alright.","start_word":3921,"end_word":3973,"intents":[{"intent":"Authorize change","confidence_score":0.2406542}]},{"text":"And that is ultimately was going to kind of maximize that growth for you, and then about 10% in the bottom three.","start_word":4098,"end_word":4119,"intents":[{"intent":"Maximize growth","confidence_score":0.7500236}]},{"text":"One of them is an ongoing service agreement, and that's just to say that you're happy to stay on as a client, and we can keep servicing you.","start_word":4184,"end_word":4211,"intents":[{"intent":"Maintain service agreement","confidence_score":0.036683213}]},{"text":"And then it should also be, I think, a tax file number form as well. Yeah.","start_word":4287,"end_word":4302,"intents":[{"intent":"Update documents","confidence_score":0.014051384}]}]},"sentiments":{"segments":[{"text":"Hello. William speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04289337620139122},{"text":"Good. Good morning, William. It's Veronica from Financial.","start_word":3,"end_word":10,"sentiment":"positive","sentiment_score":0.43591073155403137},{"text":"How are you? How are you going?","start_word":11,"end_word":17,"sentiment":"neutral","sentiment_score":0.2944641411304474},{"text":"Good. Thanks. I had you booked in to quickly go over your annual review. Is now still a good time for you?","start_word":18,"end_word":39,"sentiment":"positive","sentiment_score":0.4434925615787506},{"text":"Yeah. It's alright. Yep.","start_word":40,"end_word":43,"sentiment":"neutral","sentiment_score":0.1831240206956863},{"text":"Perfect.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.44892418384552},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's Yeah. okay. It's fine. Yep.","start_word":45,"end_word":77,"sentiment":"neutral","sentiment_score":0.0672132596373558},{"text":"Perfect.","start_word":78,"end_word":78,"sentiment":"positive","sentiment_score":0.34755560755729675},{"text":"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? Cricket. Yep. Perfect. And how's your morning been so far? Been busy or just kind of getting started? It's my first day off. Oh, nice. Well, I will try not to take up too much of your of your time. It is just to go over your annual review, and I know we spoke, obviously, to sort out your insurances up not too long ago. So, Yep. again, I will try to do this as quickly as I can for you. Yeah. You're up. Now just before I do jump into the annual review, though, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on, or is it just just the the usual review for you? Just the usual review today. Yep.","start_word":79,"end_word":248,"sentiment":"neutral","sentiment_score":0.06866800040006638},{"text":"Great. Perfect.","start_word":249,"end_word":250,"sentiment":"positive","sentiment_score":0.35897672176361084},{"text":"Now I'll quickly just run through a bit of an updated fact to see if there's anything that has changed in your life since we spoke last. I'm not sure we'll do it quickly because I'm sure most of the things are fairly up to date. But when it comes to your personal information, I have you down here as a de facto relationship with two financial dependent. Yep. Yep. Perfect. I don't actually have your partner's name on file, though. Would you be able to provide that for me? Yeah. Danielle Thompson, d a n e, l l, e. Danielle Thompson. Great. Perfect. And Thompson with a p. Yep. Perfect.","start_word":251,"end_word":361,"sentiment":"neutral","sentiment_score":0.06431764364242554},{"text":"Great. Thank you.","start_word":362,"end_word":364,"sentiment":"positive","sentiment_score":0.4480782449245453},{"text":"Now I don't also have a next of kin on file. Do you wanna same person.","start_word":365,"end_word":380,"sentiment":"neutral","sentiment_score":-0.04403054341673851},{"text":"Perfect.","start_word":381,"end_word":381,"sentiment":"positive","sentiment_score":0.4233048558235169},{"text":"And their best contact number? Let me grab that for you. Yep. Thank you. 0413 Three four one three. Yep. 192 One nine two. Yep. 845. 845.","start_word":382,"end_word":408,"sentiment":"neutral","sentiment_score":0.0725926086306572},{"text":"Great. Perfect.","start_word":409,"end_word":410,"sentiment":"positive","sentiment_score":0.39624372124671936},{"text":"Occupation wise, has anything changed for you? Still doing the same? I'm still a diesel fitter. I'm just at a different location. Okay. Perfect. Different employer or you just, at a different, like, workshop or Different something? employer. Okay. And what's your new employer called? Phone, Basin Tire Services. And when did you start there? Three weeks Oh, yeah. You ago. liking it so far? Yeah. Definitely.","start_word":411,"end_word":477,"sentiment":"neutral","sentiment_score":0.02594975009560585},{"text":"That's good.","start_word":478,"end_word":479,"sentiment":"positive","sentiment_score":0.45145899057388306},{"text":"Still working full time, though? Yeah. Yep. Yep. Great. Did your income change with that, or is it around that 75? Income did change. It's a 135,000. Oh, wow. Nice. 135. That's not including super or anything, mate. Yeah. Okay. So super on top. Do you get bonuses and stuff on top of that, or is that, like, your base income? That's my 134 is my bank income. Yep. Perfect. And your employer, do they pay the standard 12% contribution as well on that one thirty five? Yeah. Yep. Yeah. It Yep. brings it up to $1.51. Yeah. Nice. And you are still not making, like, additional contributions or anything like that, just that from your employer? Yeah. Just have to move forward at this stage. Yep. Great. And with your new employer, do you have a an enterprise bargain agreement or anything with them or just kind of like the standard Get contracts? standard agreement. Yep. Perfect.","start_word":480,"end_word":637,"sentiment":"neutral","sentiment_score":0.04375651851296425},{"text":"That's a nice little pay increase, though.","start_word":638,"end_word":644,"sentiment":"positive","sentiment_score":0.3826109766960144},{"text":"Definitely is. Now did that make any changes through, like, savings and expenses per week? Not Do you really. know? Not because I had to move here often. Yes. What I should be saying is going into rent. Yeah. Now I do have your address here at 6 Rickett Crescent. Has that changed? Yes. Yep. What's your new address, and I'll get that updated for you. House Number 47 Of 73. 37 Of 73. Yep. Centenary Drive North. Centenary Drive? Yep. Drive North. And which suburb is that in? No, ma'am. Thank you. Did you say Middlemount? Yeah. Yep. Yep. Perfect. Still Queensland? Yep. 4 Yep. 746. 4746.","start_word":645,"end_word":752,"sentiment":"neutral","sentiment_score":0.01550806210272842},{"text":"Great. Perfect. I will get that updated for you.","start_word":753,"end_word":761,"sentiment":"positive","sentiment_score":0.4605571925640106},{"text":"You said you're still renting. You just moved to a different rental property? Yeah. Yep. Yeah. Alright. Otherwise, asset wise, I have here that you have a motor vehicle valid at about 45,000? Yeah. And about 28 owing? Yep. It's less than 9. I only Yeah. got 18 months left on that line there. Oh, perfect. And do you know roughly how much that would be left? I lost all check that that 18 grain left on. Oh, perfect. I'll update that. Do you also have the ute of about 10,000? Yep. Yep. But you don't have anything owing on that one, do you? No. No. Perfect. Any other new assets? Otherwise, any other motor vehicles or boats or motorbikes? I mean, it might have worked for the children. That's it. Yep. How much would that one be worth? Or It's is there? a couple of grand. Yep. No much Okay. at all. Yep. Anything else? No. No. Any other liabilities? Personal loans, credit card, SIP pay? Not perfect. And you've never been declared bankrupt or been under a partner No. agreement? No. Not perfect. Now health wise, I have you done her as a nonsmoker? Is that still the case? Yes. Perfect. Yep. Any changes to your health otherwise? Any new medication or new illnesses or injuries or anything? No. No. Perfect. And do you have private health insurance? Nope. Nope. It might be something to consider or look into a little bit more anyway now when your income is a bit higher, especially with the medical levy surcharge that is applicable for high income earners if you don't have private health insurance. Obviously, you still then have to weigh up the cost of private health insurance, Yep. but it is something to kind of be mindful of or or have a look at, especially because you are now in the high income threshold as well. Yeah. Right Yep. And, otherwise, estate planning wise, do you have a will in place? Yep. here. Yes.","start_word":762,"end_word":1096,"sentiment":"neutral","sentiment_score":-0.02645418778923688},{"text":"Perfect.","start_word":1097,"end_word":1097,"sentiment":"positive","sentiment_score":0.6013156175613403},{"text":"Do you know if you made a nomination for power of attorney as well when you got the will? I don't think I have yet. No. That's okay. But you don't have anyone who makes any financial decisions on your behalf otherwise? No. No. Perfect. And are you politically exposed to an income anywhere overseas? No. No.","start_word":1098,"end_word":1154,"sentiment":"neutral","sentiment_score":0.0010073812445625665},{"text":"Great.","start_word":1155,"end_word":1155,"sentiment":"positive","sentiment_score":0.35000067949295044},{"text":"Now with your super and your insurances as well, I do have here at the moment that we are waiting on the beneficiary forms to come back. So if something were to happen to you, who you want to nominate to receive the funds. Hold on. Did I think you I've res received beneficiary. okay. Five months. Maybe because, obviously, you changed when did you move Yeah. to the new property? I I have been over a month ago. Okay. It could have been that it was potentially sent to the old property. So do you have access to your printer at all, William? Yeah. Yeah. Yeah. If you're happy to do so, because it makes it a bit quicker, I can get the team to email it to you. Yeah. That works Because for you me. are? Yeah. Because it is making a legal nomination, just have to be printed and wet signed and witnessed. Send it back to us, and then we'll get that uploaded for your super and your insurances as well. Yep. It's too easy. Do you know who you would like to nominate? Probably just my partner who will Yep. come in. Yep. And with her as well, because she is your partner, if something were to happen, it would go completely tax free to her as well, which is good. Tax free to her. Yeah. With Yep. children, if they're 18, it's tax free. If it's over 18, unless they have there's, like, a disability or they are at uni and stuff like that, they can then be taxed on the benefits that they received. But Yeah. you Around are here. now a little bit younger, aren't they? Yeah. Yeah. Yeah. That's Yeah. right. Well and truly underwriting.","start_word":1156,"end_word":1449,"sentiment":"neutral","sentiment_score":0.13620225568206942},{"text":"Yeah. Perfect. Yeah.","start_word":1450,"end_word":1452,"sentiment":"positive","sentiment_score":0.4559034705162048},{"text":"Otherwise, if it does go to your partner, it is tax free irrespective of age or or time frame. Yep. So I will get the team through email that through you. I'll get them to include a cover letter as well. If you do Yep. have any issues on which selections to choose from, let me know because there are a couple of different options that you can select. So you can have a binding and a nonbinding option. So binding basically means that the trustee has to follow your wishes, so it's a lot more certain. Whereas Yep. a nonbinding option just basically tells the trustee that this is what you Yeah. want to have happened, that they ultimately have say of if they feel that there's someone else that's better suited for it. Ronnie. So binding is more certain in that aspect. Yep. And then you also have lapsing and non lapsing. So, lapsing means that you have to complete the form every three years. Non lapsing means that it stays in place until you decide to update or change it. There I am. Yep. So, yeah, have a look at those and complete it when you have a moment. Yep. Send it back to us, and I will get that uploaded and sorted for you so that's all in place if something ever were to happen to you. Yeah. I am.","start_word":1453,"end_word":1686,"sentiment":"neutral","sentiment_score":0.1243712604045868},{"text":"Sweet. Perfect.","start_word":1687,"end_word":1688,"sentiment":"positive","sentiment_score":0.5602917671203613},{"text":"Now the other thing I do quickly wanna run through, it is just an updated risk profile questionnaire.","start_word":1689,"end_word":1706,"sentiment":"neutral","sentiment_score":0.27405425906181335},{"text":"It is just a couple of multiple choice questions to make it nice and easy for you.","start_word":1707,"end_word":1723,"sentiment":"positive","sentiment_score":0.3697567582130432},{"text":"Yep. Some can be a bit tricky. So if it doesn't make sense, let me know. But otherwise, there is no right or wrong answer. And it's kind of thinking about the questions in regards to your superannuation as well. Yep. Now have you ever bought direct shares on the stock market yourself? Yes. Yep. Do you still have some investments? No. No. Okay. And next is kind of I guess at the at the moment, do you know when you would like to start accessing your super or when you're planning on retire? Can seem far away, but do you have any idea when you when you're thinking? Not not at all, No. dear. No. That's okay. Otherwise, I do have here that last time we spoke. Ideally, you would like to retire at 60 when you can, if you have the option to do so and draw a week weekly income of about $1,000 per week, do you think that would still kind of, be achievable for you? Yep. Yeah. At this stage, Yep. you should be hearing. Yep.","start_word":1724,"end_word":1904,"sentiment":"neutral","sentiment_score":0.01844490109556946},{"text":"Perfect.","start_word":1905,"end_word":1905,"sentiment":"positive","sentiment_score":0.37640613317489624},{"text":"Now next is when it comes to inflation. So inflation means that things are getting more expensive over time, making your money worth less, and everything is costing more, unfortunately. Now how much of a risk are you willing to take in order to try to keep up with your rising prices? Would you say that you are willing to accept a very high risk, high, moderate, or a small amount of risk? Fine. Moderate. Moderate.","start_word":1906,"end_word":1981,"sentiment":"neutral","sentiment_score":-0.08452955633401871},{"text":"Perfect.","start_word":1982,"end_word":1982,"sentiment":"positive","sentiment_score":0.3475115895271301},{"text":"Now how would you feel if in six months after placing your investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens, Or do you think you'd want to shift to a more secure asset? But that means you are then selling when the prices have dropped. You said what? Just hold and wait. K. Perfect. Yep. Now have you ever noticed your superannuation or any other assets fluctuate and fall in value? If so, how did that make you feel? Would you say optimistic about potential future opportunities, a bit more kind of neutral, not really making any further investments, concerned, or highly anxious? Neutral. Just neutral. Perfect. And the last one here is, would you ever consider taking out a loan to invest in stocks or funds? No. No. Would you ever consider taking out a loan to buy an investment property? Yes. Yep.","start_word":1983,"end_word":2181,"sentiment":"neutral","sentiment_score":-0.0865322201133673},{"text":"Perfect.","start_word":2182,"end_word":2182,"sentiment":"positive","sentiment_score":0.4906289279460907},{"text":"Now that tells me here that you have come out just borderline between a high growth and a growth investor. And at the moment, we have you invested in a high growth portfolio. Yep. So do you remember the difference between those two at all? Yep.","start_word":2183,"end_word":2228,"sentiment":"neutral","sentiment_score":0.11814910173416138},{"text":"Perfect.","start_word":2229,"end_word":2229,"sentiment":"positive","sentiment_score":0.3821057081222534},{"text":"And are you still quite comfortable to remain in the the high growth portfolio, or or what are your thoughts? Yeah. Yeah. I'm still comfortable staying there.","start_word":2230,"end_word":2256,"sentiment":"neutral","sentiment_score":0.18158966302871704},{"text":"Yep. Great.","start_word":2257,"end_word":2258,"sentiment":"positive","sentiment_score":0.4740545451641083},{"text":"Also, from a time time frame point of view, you know, when we are looking at a high growth portfolio, we do typically want to allow at least eight years on true retirement to making sure you have enough time in the market for those fluctuations in the short term, which Yep. you certainly have behind you.","start_word":2259,"end_word":2315,"sentiment":"neutral","sentiment_score":0.26130369305610657},{"text":"So from a time frame point of view, you are definitely in a good suitable portfolio. So more than happy to leave you there as long as, obviously, you are comfortable with that.","start_word":2316,"end_word":2348,"sentiment":"positive","sentiment_score":0.49946293234825134},{"text":"Yep. Now the last thing I do want to run over here, William, is just to send you a couple of documents to run through with you quickly. Do you Mhmm. have access to your emails on your phone or a computer or anything? Yeah. That's it. So I'm fine. Yeah. Okay. Perfect. So I've just sent you an email with a couple of attachments. So let me know when that comes through. And we have recently changed software software as well, so it might look a little bit different to what you would use too. Is that the Veronica Glavoam? Yes. That's the one. Signature record. Yes. So before you click on the signature, you will see a couple of attachments. You should see a couple of different attachments further down in the email. Can you see those? Hang on. Yep. Now to make it easier for you, if you wanna tell me the order you can see them, I can just go through them that way. Yep. Yeah. Services Guard version one. Yep. So the the services guide version one and the financial services guide version four, I'll let you have a read over that in your own time. It's one of Yep. those compliance documents. You would have seen this before. It is just an updated version.","start_word":2349,"end_word":2568,"sentiment":"neutral","sentiment_score":0.09152090380137616},{"text":"We've had a bit of an extension to the team, which is great. So when you have a look at it, you will see us all in there and the new team as well.","start_word":2569,"end_word":2602,"sentiment":"positive","sentiment_score":0.5022547841072083},{"text":"We've also had a bit of a change to our marketing, so it's just basically an updated version. Same information otherwise. Just all the important information in there for you. They're quite long, so I'll let you have a read over that in your own time. Yep. What is the next one you can see? After version one, I got Yep. version four. Yep. And after that one Super and insurance summary, William Murphy. yes. If you wanna open that one for me. Yeah. Hang Yep. on. Gotta download. There we go. Downloaded. Yep.","start_word":2603,"end_word":2696,"sentiment":"neutral","sentiment_score":0.058368150144815445},{"text":"Perfect.","start_word":2697,"end_word":2697,"sentiment":"positive","sentiment_score":0.38104867935180664},{"text":"Now you will see at the top pair, your superannuation. It looks a little bit different because we are just in the process. So we have requested that final rollover for Australian Retirement Trust already. Yep. But because it's obviously with them, sometimes it takes a couple of days for the funds to drop in your Hub 24, which is the only reason why it looks like that. So the we placed them the request, so it's on its way. It could drop tomorrow or today even. But when we had a look yes yesterday, it was still on its way. So, otherwise, you will see the the Australian retirement trust come into Hub 24 soon for you, which will obviously Where boost. are you? Yeah. Does that make sense? Yep. Yep. Perfect. Now underneath that, you will then have your insurances. So you have, obviously, your MetLife insurance, your life and disability insurance, your income protection as well, all paid from within superannuation. You do you do get that 15% tax rebate. So the total premium for all three is $2,600. Yep. Now with your income as well, I do wanna just check that you're still happy with your income protection. Because your income has gone up quite a bit, there is a little bit of a gap with how much you could be covered for versus what you currently have. Do you still feel if something were to happen to you, do you still think that 4,375 would cover kind of bills and expenses, or do you think you would want to look at increasing the income protection? I'll still cover it. Yeah. Okay.","start_word":2698,"end_word":2973,"sentiment":"neutral","sentiment_score":0.06990444417233052},{"text":"Perfect.","start_word":2974,"end_word":2974,"sentiment":"positive","sentiment_score":0.4076429605484009},{"text":"Because if you did wanted to increase it at any point, just let me know. It would mean that the policy will get more expensive because you're covered four more, and we would just have to go through the undivided process again, which obviously was finally got that sorted for you, and that's all in place. But if anything ever does change and you wanna have a look at it, let me know.","start_word":2975,"end_word":3047,"sentiment":"neutral","sentiment_score":0.15436187386512756},{"text":"Otherwise, the good thing with the MetLife policy is that within thirty days of the policy anniversary, you can actually increase the the income protection with up to 15% without Yep. having to go through any of that underwriting, which is a really good thing with with MetLife. It's just a quick form. So I can even get the team to put a little bit of a note through see how you feel within the thirty days of the policy anniversary if you wanna increase it because we can do that without underwriting for up to 15%.","start_word":3048,"end_word":3144,"sentiment":"positive","sentiment_score":0.509808361530304},{"text":"Yeah. Okay. Yep. Otherwise, you know, if anything does change, you can always let us know, and we can always look at revisited. But, otherwise, for the time being, we'll leave that all sorted for you. Yep. No worries. Yep. Perfect. Now what is the the next one there for you? Certificate of currency. Yep. Now this one here, it just breaks down your insurance in a bit more detail for you. This basically tells you that everything is paid up to date, and it's just just in a bit more in-depth with the the policy there for you. Yep. What is the the next one? Hop24. Yep. So if you wanna open that one for me, it can be a little bit small potentially on the phone, but this one basically breaks down all your different investments in your hub twenty four accounts Yep. and how Yeah. they I'll get this email sent to me normally. Yes. So you'll basically see, yeah, what's happened in the last twelve months, how it's all performed. Now, obviously, you probably would be aware that there's been in the last twelve months, there's been a lot of things happening in the world, which obviously has impacted, obviously, investments and everything like that. So, obviously, everything over in The US with Trump and tariffs and everything saw a bit of fluctuation, and then now, obviously, more recently, everything over in The Middle East. Yep. Despite all of that, though, your portfolio has still done pretty well given the amount of fluctuations we've kind of had in the market. Yeah.","start_word":3145,"end_word":3409,"sentiment":"neutral","sentiment_score":0.0860032395934159},{"text":"So It's holding pretty steady.","start_word":3410,"end_word":3414,"sentiment":"positive","sentiment_score":0.39898183941841125},{"text":"Do you want me to do? yes. And this is also after fees. So after all fees Yep. have been deducted from your account and everything like that, Like I said, despite the fluctuations, your portfolio has still gone up 7.2% after fees, which is actually pretty good.","start_word":3415,"end_word":3462,"sentiment":"neutral","sentiment_score":0.24476581811904907},{"text":"That's brilliant.","start_word":3463,"end_word":3464,"sentiment":"positive","sentiment_score":0.7730498313903809},{"text":"Yeah. Yeah. I do wanna look at swapping one of the investments, though, for you if you are happy with that, and Which that one's is that? that is your Benelon Australian equity. That is the the first one. So this is your managed fund. Yep. Can you see that one okay? Yeah. I see it. Yep. Yeah. Sorry. It The reason it stopped a fair bit. yeah. So the reason I wanna swap this one out is that it was when you came on board, it has done really, really well. The purpose of adding this one to your portfolio is that it is a little bit different to your other one in that it is a managed fund. So the purpose is through kind of actively buying and selling investments in order to try to outperform the market. That is the function of that one, whereas your other investments are a bit more of your passive style where it is kind of tracking an index. So they've been along Australian equity. Like I said, they had done really well. More recently, they've kind of underperformed a little bit. And one of their Yep. contributing factors through it's declining at the moment is that one of their investments in their portfolio, which the corporate travel group, they had a bit of issues with their reporting, which meant that they had to suspend suspend the trading.","start_word":3465,"end_word":3700,"sentiment":"neutral","sentiment_score":0.057975975954431595},{"text":"So that kind of caused the obviously, a pause on trading and caused the investment to fluctuate and fall.","start_word":3701,"end_word":3719,"sentiment":"negative","sentiment_score":-0.34394383430480957},{"text":"So if Yep. you are happy for me to do so, I would like to swap that one out for another one. So we wanna make sure that we still have a well worthified portfolio. If I'm swapping an Australian equity fund, I would like to swap it with another Australian equity to give you the same kind of exposure. We've done a lot of research on a lot of investments that would still kind of have the same function, be a little bit cheaper, has performed a little bit more. And the one that kind of the investment team has suggested to swap it for is the a 200. It is kind of another investment focusing on the 200 largest companies listed in Australia. Yep.","start_word":3720,"end_word":3845,"sentiment":"neutral","sentiment_score":0.10670709609985352},{"text":"So if you are happy with that, because I think overall it's going to put you in a better position moving forward, I will go and make that change.","start_word":3846,"end_word":3874,"sentiment":"positive","sentiment_score":0.5646490454673767},{"text":"I will send you a a record of advice. You don't have to sign it, but it's just for your reference. And Yep. it's just to send you the document to show you swapping Ben along just for that one investment. Yep. That's Yep. Yep.","start_word":3875,"end_word":3919,"sentiment":"neutral","sentiment_score":0.17029234766960144},{"text":"Perfect.","start_word":3920,"end_word":3920,"sentiment":"positive","sentiment_score":0.4550899863243103},{"text":"So keep a look at for that email. Like you not said, I don't need you don't need to sign anything. And if you are happy for us to go ahead and make that change, I will let the team know to authorize that change once we send you that that document. alright. Yep. Yep.","start_word":3921,"end_word":3975,"sentiment":"neutral","sentiment_score":0.20699913799762729},{"text":"Perfect.","start_word":3976,"end_word":3976,"sentiment":"positive","sentiment_score":0.3891698718070984},{"text":"Now you should just have one more attachment, I believe, which is their Vanguard index chart. Yep. Yep. If you can open that one for me. Yep. You Yep. got a license? Yep.","start_word":3977,"end_word":4009,"sentiment":"neutral","sentiment_score":0.12108197808265686},{"text":"Perfect. Now this one here has just kind of been added as it is a good representation of what we are talking about when we are talking about the market.","start_word":4010,"end_word":4039,"sentiment":"positive","sentiment_score":0.365172266960144},{"text":"So you can kind of see the trends from 1995 up until 2025. You can also see it breaking down into the different asset classes. So when we are talking about your high growth portfolio is where we have about 90% in those top four. So The US shares, Australian shares, international shares, and the property as well.","start_word":4040,"end_word":4097,"sentiment":"neutral","sentiment_score":0.19712075899387227},{"text":"And that is ultimately was going to kind of maximize that growth for you, and then about 10% in the bottom three.","start_word":4098,"end_word":4119,"sentiment":"positive","sentiment_score":0.46480366587638855},{"text":"The defensive investments to limit fluctuations a little bit, but the focus is to grow that as much as possible because you do have plenty of time over time. Yep. Yep. Now that was all of those attachments. So if you are happy to do so now, William, if you can click on the sign document link, you should see true attachment. Yep. Yep.","start_word":4120,"end_word":4183,"sentiment":"neutral","sentiment_score":0.26412779092788696},{"text":"One of them is an ongoing service agreement, and that's just to say that you're happy to stay on as a client, and we can keep servicing you.","start_word":4184,"end_word":4211,"sentiment":"positive","sentiment_score":0.4145817756652832},{"text":"It is not a locking contract in any way. So if at any point in time you are not happy with the service, there is no lock in contract.","start_word":4212,"end_word":4240,"sentiment":"neutral","sentiment_score":0.024849871173501015},{"text":"Otherwise, that one here allows us to obviously keep you on as a client and keep servicing you.","start_word":4241,"end_word":4258,"sentiment":"positive","sentiment_score":0.4477675259113312},{"text":"There's no changes to the fees at all. It is just that 1.65 from superannuation, so no changes in regards to the percentage or anything like that. Yep. And then it should also be, I think, a tax file number form as well. Yeah. Yeah. And that's just basically one of those compliance documents to say that we are keeping your tax file number secure on file. So, basically, from here, if you are happy to sign those documents, Once you've signed them, it will then come through to me. I will let the team know, and we'll get that uploaded on Yep. your account. If you have any issues signing, let me know because it is, like I said, a little bit different to what it was last time. Yep. And I was just on it, so you should have received it.","start_word":4259,"end_word":4401,"sentiment":"neutral","sentiment_score":0.16151006519794464},{"text":"Great. Perfect.","start_word":4402,"end_word":4403,"sentiment":"positive","sentiment_score":0.654873251914978},{"text":"Sometimes it takes a couple of minutes to come through on my end, so I'll keep a lookout on this. Keep a lookout for the the ROA, so that record of advice to show the change in investment for you as well. And I will Yep. also get the team to email you out those beneficiary form for your super insurance so we can get Alright. that sorted. So what do you Perfect. Do you have any other questions, for think? me otherwise, William, before I let you go? No. No. No. No. No. The questions?","start_word":4404,"end_word":4499,"sentiment":"neutral","sentiment_score":0.16908942706262073},{"text":"Great. Perfect. Well, I will let you go and enjoy your day off.","start_word":4500,"end_word":4512,"sentiment":"positive","sentiment_score":0.711246132850647},{"text":"And if you do need anything else, don't hesitate to give me a call.","start_word":4513,"end_word":4526,"sentiment":"neutral","sentiment_score":0.2848013639450073},{"text":"No worries. Thank you very much. Alright. No problem at all.","start_word":4527,"end_word":4537,"sentiment":"positive","sentiment_score":0.5061860084533691},{"text":"We'll speak soon. No worries. Bye. Bye.","start_word":4538,"end_word":4544,"sentiment":"neutral","sentiment_score":0.214129239320755}],"average":{"sentiment":"neutral","sentiment_score":0.11097400734505272}}}}