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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 for security purposes, just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. That's exactly what I have here. How's your day been? Been busy? Yeah. That's good. That's good. Do you have much left left to do for the day? Yeah. Well, I will try not to keep you for too long, Anthony. But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any areas you are, you know, hoping for me to address a little bit more or just a bit of a catch up and see how everything's going? Yeah. Perfect. Now what I'll do first is just run through a bit of an updated back line with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as married. Is that still the case? K. Perfect. Now last time we spoke last year, you had three children at home, but two were kind of moving out shortly after we spoke. Do you have one living at home at the moment? Yep. Okay. Perfect. Okay. Perfect. Is he still, like, relying on you guys kind financially and stuff? Like, what does he need a little bit of support from you guys? Or like no? Yeah. Oh, well, that's good. Otherwise, when it comes to employment, has anything changed in the area for you? Nope. Perfect. Income, I have about $1.80. Yep. Perfect. Otherwise, when it comes to assets and liabilities, I have your property was last valued at about 1,000,000 with nothing owing. Is that still the case, or has that gone up a little bit? Do you know? Roughly the same? Yeah. And do you still have the holiday home as well? Perfect. Valed at about $7.50. Perfect. And about 150 owing. About hun 130? Yep. Perfect. Do you also have the boat still? Perfect. About 20 with nothing owing? Yep. Perfect. Do you have any other new assets, any motor vehicles or motorbikes or savings in the bank or anything? No. Perfect. Any other liabilities, like credit card, personal loans? No. Perfect. Now health and lifestyle wise, I do have here that you do have private health insurance and a nonsmoker. Is that correct? Perfect. Have you had any changes to your health otherwise in the last twelve months? Any new illnesses or injuries? No. Perfect. And estate planning wise, I do have here Rachel as your beneficiary. So if something were to happen to you, it would go to her. And you guys don't have a will in place or anything. Is that all correct? You do have? Perfect. And is that pretty up to date? Ah, yeah. Great. And do you know when you guys got the rule if you made a power of attorney nomination if something ever were to happen as well? Yes. Perfect. Great. Yeah. Perfect. Now I guess when it comes to kind of goals, stuff that you're working towards that you are kind of wanting to achieve in the next twelve months. So when we spoke to you last year, your main focus at the time was to focus on paying off the holiday home, and then you had a Europe trip planned this year. Have you guys been, or is that on the cards? Beautiful. And where are you guys going? Yep. Beautiful. That's the best time to go. Yeah. Where are you where are you flying into? Oh, yeah. Yeah. Yeah. It's a bit of a pain because my my family lives over in Sweden, and they are planning to come and visit at the at the end of the year around October. And it's it's it's a lot like that where where you're going, where you're traveling from. A lot of to Sweden is through Singapore, so you can fly to Singapore and then Singapore straight to, like, Sweden or Copenhagen, but they sell out the fastest. So it's really hard to get them because that's obviously the fastest way. So I've had people going, like you, through through Asia or even some through America that way. They're just trying to get to Europe. So it's a bit of a bit of a tricky situation, but, hopefully, you guys get there okay. Otherwise, it's the main focus to kind of aside from, obviously, the the lovely holiday, just continue to pay off the holiday home. Yep. Yep. Perfect. And talking about superannuation, I have here that, ideally, you would like to retire at about age 65 with an income of about 1,200 a week. Yep. Perfect. And I guess when it comes to your superannuation focus, it's just to try to focus on growing that to get as much wealth as possible by the time you turn 65. Is that still kind of the fruit? Yep. Perfect. And I guess with that as well, the next thing I do wanna run over with you, Anthony, is just a bit of an updated risk profile questionnaire to see if your risk tolerance or anything has changed and you wanna make any changes to it. So just bear with me as I go through these questions. Now thinking about your superannuation, in terms of how much risk you are willing to take, in order to make sure that it continues to, you know, go up and above inflation and increasing prices, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk? High to moderate. Okay. Perfect. And yes. Yes. Exactly that. And when it comes to volatility, so if you ever were to place an investment and then after six months of investing, you noticed that the portfolio was down 20% due to kind of general trends in the market. Would you wanna take advantage of the drop in prices by thinking that now is a good time to invest a bit more, or just kind of hold, wait to see what happens? Or would you wanna sell and move through something a little bit more secure, but that means you are then selling with the prices have already dropped? Yep. Yep. Perfect. Yep. And last one here is if you did see some fluctuations in your superannuation at any point or any investment really, the last twelve months, we have seen a bit of fluctuations. First, obviously, you had everything in The US with Trump and tariffs and everything that we did see a bit of fluctuation. And, obviously, more recently with the war as well, we have seen a bit of fluctuation in the market. If it is something that you kind of noticed or even go back to COVID when we saw a bit of a drop, would you say that seeing seeing a bit of fluctuation in your super would make you feel optimistic about potential opportunities, a bit more kind of neutral, not making further investment, concerned, or highly anxious? Optimistic. Okay. Perfect. And would you ever consider taking out a loan to invest in stocks or funds or just kind of potentially for, like, an investment property and stuff. Yep. Perfect. Now that tells me here, Anthony, that you have come out as a growth investor, and it is the portfolio that we currently have you invested in. Do you remember what a growth investor is at all, what it means? Yes. So it is in a good position where you are not you're not being, like, an aggressive or super high risk. Just kind of in that that middle where you're still focusing on your growth and getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement. And you will see some short term fluctuations in order to achieve that growth. And when we are talking about an asset allocation, so how your money is invested, typically, we see about 80% in what we would call your growth assets. So that will be things like Australian shares, international shares, as well as property and commodities. And that is what's going to grow and maximize that for you. And then about 20% in defensive. So, like, your cash, your gold, your fixed interest, we're trying to limit fluctuations a little bit. Time frame wise, so making sure you have enough time in the market for those fluctuations. In a growth portfolio, we wanna allow six years until the time. So from a time frame point of view, you are in a good position of trying to grow that as long as you are still comfortable with the same level of risk and everything. Yep. Great. Perfect. Now last thing here, Anthony, is do you have access to your emails at the moment? Yes. Yep. Perfect. If you have the option of accessing them, I can run it through with you. But if you can't, I can always know. Oh, sweet. Perfect. So you may have seen we've recently changed our software a little bit, so it might look a little bit different through what I did last year. But, essentially, when you click on the email now before you click on the link where it says to sign now, at the bottom of the email, can you see a couple of attachment? Yes. Perfect. So you should have your first through is where it says o q services guide and financial services guide version four. Can you see those two? Yes. Perfect. Now I'll No. That's okay. Neither of those two, actually, because I'll get you to have a you can if you want to, but they are just kind of an updated version of their their financial services guide. It is one of those compliance documents we would we would have gone through with you a couple of times. Yeah. So nothing major has changed. When you do have a look at them, you will see we've had a bit of a change to marketing, which is nice, and a bit of an extension to the team as well. Otherwise, all the important information is all the same. So I'll let you have a read over them in your own time. What is the next document you can see? Yep. If you wanna open that one for me, that'll be great. Yep. Now this one here shows you a bit of a summary of your situation, but you can see here that you have your superannuation with hub twenty four. And you do have about $436,803 in there. Now underneath it, you can then see your insurance with Cal. So for your life and total permanent disability insurance, you have 276,675. Are you still happy with that level of cover for those two? Yep. Perfect. And I think when we spoke last, you were kind of well, if something were to happen that would pay off, you know, the mortgage or the holiday home and still leave a little bit of extra to support. So that. Yeah. Now you also have an income protection policy. So that will pay 5,959 per month. You do have a thirteen day thirteen week waiting period. Sorry. And it goes all the way to the up age of 65 benefit period. Now when it comes to your income protection as well, are you still happy with that level of cover, or or what are your thoughts? Yep. Perf perfect. Now those three paid inside super because you do get a 15% tax rebate is 3,247. And then you also have a split so that you do get a little bit of extra benefits as well by having a small portion paid outside super. And that premium is $12.97 a month. Any questions with any of that, or that's pretty straightforward? No. Perfect. Now if you go back into the email, you should also see and I won't get you to open that, but you should have three where it says TAO certificate of currency and then TAO, CRC IP. That just breaks down the insurances we just kind of touched on just in a little bit more detail but just let you know that's all paid and up to date for you. Yep. Perfect. And the other one is your twelve month hub twenty four performance report. If you wanna open that for me. Yep. Perfect. Now this one here gives you a breakdown of what's happened in your portfolio in the last twelve months. So kinda like I touched on a little bit earlier, we've obviously had a bit of fluctuations in the last twelve months. But despite all of that, your portfolio has done really well. So in the last twelve months, after all fees, your portfolio has still gone up by 11.57%, which is really good, yeah, really good in today's market condition. Now I do wanna point out that, obviously, with investment, things are always changing, and it is good to do a bit of, you know, research and stuff on your investments all the time because there's always things that could potentially change. So we and the investment committee do a lot of research on the investments. And after kind of deep diving a little bit into one of And after kind of deep diving a little bit into one of your investments, which is your Benelon Australian Equities, we are looking at potentially swapping this one for another option if you are happy for me to do that research. Yeah. Great. Perfect. The reason being is, Belle, is that investment was added to your portfolio. It is a managed fund, and the purpose was through actively buying, sell different investments in order to try to outperform the market. When you came on board and for a lot of the time, they were one of the best performing fund managers and had done really well. More recently, we have found they've kind of underperformed a little bit. And if it's when we do the research and we should see them being a bit slower with making investment choices or it might not be the best option for you moving forward, we definitely obviously wanna have that approach where we can do a bit more research and look to change it if there's better options out there through making sure that we always have you in the best position possible. So Yeah. So I will go and do some research on the investment there for you, and I will then put together a bit of a proposal if I find something more suitable. Now it will take me about a week to put all of that together. When is a good time for you to kind of quickly run through that with me over the phone? Okay. Let me have a look. Okay. Perfect. Let me have a look. Yes. Okay. Well, I probably could do this time, so 3PM, on Thursday May 7. Would that work for you? Yeah? Okay. Perfect. So that is all booked in on Thursday, May 7. Would you like a reminder text sent, like, an hour or two before the appointment in case anything comes up for you? Yeah. Yeah. And and if anything does change with work or anything like that and you can't make it, just let me know, and I'll see if I can shuffle a few things around for you. Yeah. I see. Now the last thing before I let you go and enjoy the rest of your afternoon, Anthony, is if you then click on the link where it says sign now, it will ask you to sign through documents, I believe, if you are happy to do so. And that is your ongoing service agreement just to say that you're happy to remain and stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same. Because your wife is a client, that is staying the same at that reduced rate of 1.1% from super. No changes in regards to that. And there should also be there might be a tax file number opt in compliance form as well that ask you to sign. Can you see those? Or it might just be the ongoing. Yes? Okay. Yep. Perfect. Sorry. Yeah. Yep. And as with anything, it's not a lock in contract at any point in time, but at least this lets us, you know, keep servicing you and everything in in the meantime. And once you've yep. And then once you've added the signature, it should I think it says, oh, yep. I've actually already got a notification. Great. When technology works fast. Yes. Perfect. Now this is saved as well for you, so you can download them if you would like. If not, I always have a copy on the file. So if at any point in time you want me to send them to you, I have everything on file for you. That was essentially everything I needed to to kind of check on with you today, Anthony. Do you have any other questions, or was there anything else you wanted to go through before I let you go? No? Okay. Perfect. Well, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, May 7 at 3PM. No problem. 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afternoon, Anthony. This is Veronica from Acute Financial. How are you? Good. Thanks.\n\nI had you booked in to 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 for security purposes, just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep.\n\nPerfect. That's exactly what I have here. How's your day been? Been busy? Yeah.\n\nThat's good. That's good. Do you have much left left to do for the day? Yeah. Well, I will try not to keep you for too long, Anthony.\n\nBut before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any areas you are, you know, hoping for me to address a little bit more or just a bit of a catch up and see how everything's going? Yeah. Perfect. Now what I'll do first is just run through a bit of an updated back line with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions.\n\nNow when it comes to your personal information, I have you down here as married. Is that still the case? K. Perfect. Now last time we spoke last year, you had three children at home, but two were kind of moving out shortly after we spoke.\n\nDo you have one living at home at the moment? Yep. Okay. Perfect. Okay.\n\nPerfect. Is he still, like, relying on you guys kind financially and stuff? Like, what does he need a little bit of support from you guys? Or like no? Yeah.\n\nOh, well, that's good. Otherwise, when it comes to employment, has anything changed in the area for you? Nope. Perfect. Income, I have about $1.80.\n\nYep. Perfect. Otherwise, when it comes to assets and liabilities, I have your property was last valued at about 1,000,000 with nothing owing. Is that still the case, or has that gone up a little bit? Do you know?\n\nRoughly the same? Yeah. And do you still have the holiday home as well? Perfect. Valed at about $7.50.\n\nPerfect. And about 150 owing. About hun 130? Yep. Perfect.\n\nDo you also have the boat still? Perfect. About 20 with nothing owing? Yep. Perfect.\n\nDo you have any other new assets, any motor vehicles or motorbikes or savings in the bank or anything? No. Perfect. Any other liabilities, like credit card, personal loans? No.\n\nPerfect. Now health and lifestyle wise, I do have here that you do have private health insurance and a nonsmoker. Is that correct? Perfect. Have you had any changes to your health otherwise in the last twelve months?\n\nAny new illnesses or injuries? No. Perfect. And estate planning wise, I do have here Rachel as your beneficiary. So if something were to happen to you, it would go to her.\n\nAnd you guys don't have a will in place or anything. Is that all correct? You do have? Perfect. And is that pretty up to date?\n\nAh, yeah. Great. And do you know when you guys got the rule if you made a power of attorney nomination if something ever were to happen as well? Yes. Perfect.\n\nGreat. Yeah. Perfect. Now I guess when it comes to kind of goals, stuff that you're working towards that you are kind of wanting to achieve in the next twelve months. So when we spoke to you last year, your main focus at the time was to focus on paying off the holiday home, and then you had a Europe trip planned this year.\n\nHave you guys been, or is that on the cards? Beautiful. And where are you guys going? Yep. Beautiful.\n\nThat's the best time to go. Yeah. Where are you where are you flying into? Oh, yeah. Yeah.\n\nYeah. It's a bit of a pain because my my family lives over in Sweden, and they are planning to come and visit at the at the end of the year around October. And it's it's it's a lot like that where where you're going, where you're traveling from. A lot of to Sweden is through Singapore, so you can fly to Singapore and then Singapore straight to, like, Sweden or Copenhagen, but they sell out the fastest. So it's really hard to get them because that's obviously the fastest way.\n\nSo I've had people going, like you, through through Asia or even some through America that way. They're just trying to get to Europe. So it's a bit of a bit of a tricky situation, but, hopefully, you guys get there okay. Otherwise, it's the main focus to kind of aside from, obviously, the the lovely holiday, just continue to pay off the holiday home. Yep.\n\nYep. Perfect. And talking about superannuation, I have here that, ideally, you would like to retire at about age 65 with an income of about 1,200 a week. Yep. Perfect.\n\nAnd I guess when it comes to your superannuation focus, it's just to try to focus on growing that to get as much wealth as possible by the time you turn 65. Is that still kind of the fruit? Yep. Perfect. And I guess with that as well, the next thing I do wanna run over with you, Anthony, is just a bit of an updated risk profile questionnaire to see if your risk tolerance or anything has changed and you wanna make any changes to it.\n\nSo just bear with me as I go through these questions. Now thinking about your superannuation, in terms of how much risk you are willing to take, in order to make sure that it continues to, you know, go up and above inflation and increasing prices, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk? High to moderate. Okay. Perfect.\n\nAnd yes. Yes. Exactly that. And when it comes to volatility, so if you ever were to place an investment and then after six months of investing, you noticed that the portfolio was down 20% due to kind of general trends in the market. Would you wanna take advantage of the drop in prices by thinking that now is a good time to invest a bit more, or just kind of hold, wait to see what happens?\n\nOr would you wanna sell and move through something a little bit more secure, but that means you are then selling with the prices have already dropped? Yep. Yep. Perfect. Yep.\n\nAnd last one here is if you did see some fluctuations in your superannuation at any point or any investment really, the last twelve months, we have seen a bit of fluctuations. First, obviously, you had everything in The US with Trump and tariffs and everything that we did see a bit of fluctuation. And, obviously, more recently with the war as well, we have seen a bit of fluctuation in the market. If it is something that you kind of noticed or even go back to COVID when we saw a bit of a drop, would you say that seeing seeing a bit of fluctuation in your super would make you feel optimistic about potential opportunities, a bit more kind of neutral, not making further investment, concerned, or highly anxious? Optimistic.\n\nOkay. Perfect. And would you ever consider taking out a loan to invest in stocks or funds or just kind of potentially for, like, an investment property and stuff. Yep. Perfect.\n\nNow that tells me here, Anthony, that you have come out as a growth investor, and it is the portfolio that we currently have you invested in. Do you remember what a growth investor is at all, what it means? Yes. So it is in a good position where you are not you're not being, like, an aggressive or super high risk. Just kind of in that that middle where you're still focusing on your growth and getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement.\n\nAnd you will see some short term fluctuations in order to achieve that growth. And when we are talking about an asset allocation, so how your money is invested, typically, we see about 80% in what we would call your growth assets. So that will be things like Australian shares, international shares, as well as property and commodities. And that is what's going to grow and maximize that for you. And then about 20% in defensive.\n\nSo, like, your cash, your gold, your fixed interest, we're trying to limit fluctuations a little bit. Time frame wise, so making sure you have enough time in the market for those fluctuations. In a growth portfolio, we wanna allow six years until the time. So from a time frame point of view, you are in a good position of trying to grow that as long as you are still comfortable with the same level of risk and everything. Yep.\n\nGreat. Perfect. Now last thing here, Anthony, is do you have access to your emails at the moment? Yes. Yep.\n\nPerfect. If you have the option of accessing them, I can run it through with you. But if you can't, I can always know. Oh, sweet. Perfect.\n\nSo you may have seen we've recently changed our software a little bit, so it might look a little bit different through what I did last year. But, essentially, when you click on the email now before you click on the link where it says to sign now, at the bottom of the email, can you see a couple of attachment? Yes. Perfect. So you should have your first through is where it says o q services guide and financial services guide version four.\n\nCan you see those two? Yes. Perfect. Now I'll No. That's okay.\n\nNeither of those two, actually, because I'll get you to have a you can if you want to, but they are just kind of an updated version of their their financial services guide. It is one of those compliance documents we would we would have gone through with you a couple of times. Yeah. So nothing major has changed. When you do have a look at them, you will see we've had a bit of a change to marketing, which is nice, and a bit of an extension to the team as well.\n\nOtherwise, all the important information is all the same. So I'll let you have a read over them in your own time. What is the next document you can see? Yep. If you wanna open that one for me, that'll be great.\n\nYep. Now this one here shows you a bit of a summary of your situation, but you can see here that you have your superannuation with hub twenty four. And you do have about $436,803 in there. Now underneath it, you can then see your insurance with Cal. So for your life and total permanent disability insurance, you have 276,675.\n\nAre you still happy with that level of cover for those two? Yep. Perfect. And I think when we spoke last, you were kind of well, if something were to happen that would pay off, you know, the mortgage or the holiday home and still leave a little bit of extra to support. So that.\n\nYeah. Now you also have an income protection policy. So that will pay 5,959 per month. You do have a thirteen day thirteen week waiting period. Sorry.\n\nAnd it goes all the way to the up age of 65 benefit period. Now when it comes to your income protection as well, are you still happy with that level of cover, or or what are your thoughts? Yep. Perf perfect. Now those three paid inside super because you do get a 15% tax rebate is 3,247.\n\nAnd then you also have a split so that you do get a little bit of extra benefits as well by having a small portion paid outside super. And that premium is $12.97 a month. Any questions with any of that, or that's pretty straightforward? No. Perfect.\n\nNow if you go back into the email, you should also see and I won't get you to open that, but you should have three where it says TAO certificate of currency and then TAO, CRC IP. That just breaks down the insurances we just kind of touched on just in a little bit more detail but just let you know that's all paid and up to date for you. Yep. Perfect. And the other one is your twelve month hub twenty four performance report.\n\nIf you wanna open that for me. Yep. Perfect. Now this one here gives you a breakdown of what's happened in your portfolio in the last twelve months. So kinda like I touched on a little bit earlier, we've obviously had a bit of fluctuations in the last twelve months.\n\nBut despite all of that, your portfolio has done really well. So in the last twelve months, after all fees, your portfolio has still gone up by 11.57%, which is really good, yeah, really good in today's market condition. Now I do wanna point out that, obviously, with investment, things are always changing, and it is good to do a bit of, you know, research and stuff on your investments all the time because there's always things that could potentially change. So we and the investment committee do a lot of research on the investments. And after kind of deep diving a little bit into one of And after kind of deep diving a little bit into one of your investments, which is your Benelon Australian Equities, we are looking at potentially swapping this one for another option if you are happy for me to do that research.\n\nYeah. Great. Perfect. The reason being is, Belle, is that investment was added to your portfolio. It is a managed fund, and the purpose was through actively buying, sell different investments in order to try to outperform the market.\n\nWhen you came on board and for a lot of the time, they were one of the best performing fund managers and had done really well. More recently, we have found they've kind of underperformed a little bit. And if it's when we do the research and we should see them being a bit slower with making investment choices or it might not be the best option for you moving forward, we definitely obviously wanna have that approach where we can do a bit more research and look to change it if there's better options out there through making sure that we always have you in the best position possible. So Yeah. So I will go and do some research on the investment there for you, and I will then put together a bit of a proposal if I find something more suitable.\n\nNow it will take me about a week to put all of that together. When is a good time for you to kind of quickly run through that with me over the phone? Okay. Let me have a look. Okay.\n\nPerfect. Let me have a look. Yes. Okay. Well, I probably could do this time, so 3PM, on Thursday May 7.\n\nWould that work for you? Yeah? Okay. Perfect. So that is all booked in on Thursday, May 7.\n\nWould you like a reminder text sent, like, an hour or two before the appointment in case anything comes up for you? Yeah. Yeah. And and if anything does change with work or anything like that and you can't make it, just let me know, and I'll see if I can shuffle a few things around for you. Yeah.\n\nI see. Now the last thing before I let you go and enjoy the rest of your afternoon, Anthony, is if you then click on the link where it says sign now, it will ask you to sign through documents, I believe, if you are happy to do so. And that is your ongoing service agreement just to say that you're happy to remain and stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same.\n\nBecause your wife is a client, that is staying the same at that reduced rate of 1.1% from super. No changes in regards to that. And there should also be there might be a tax file number opt in compliance form as well that ask you to sign. Can you see those? Or it might just be the ongoing.\n\nYes? Okay. Yep. Perfect. Sorry.\n\nYeah. Yep. And as with anything, it's not a lock in contract at any point in time, but at least this lets us, you know, keep servicing you and everything in in the meantime. And once you've yep. And then once you've added the signature, it should I think it says, oh, yep.\n\nI've actually already got a notification. Great. When technology works fast. Yes. Perfect.\n\nNow this is saved as well for you, so you can download them if you would like. If not, I always have a copy on the file. So if at any point in time you want me to send them to you, I have everything on file for you. That was essentially everything I needed to to kind of check on with you today, Anthony. Do you have any other questions, or was there anything else you wanted to go through before I let you go?\n\nNo? Okay. Perfect. Well, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, May 7 at 3PM. No problem.\n\nWe'll speak soon. See you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Anthony.","start":2.56,"end":3.6799998,"sentiment":"positive","sentiment_score":0.3912123541037242},{"text":"This is Veronica from Acute Financial.","start":3.6799998,"end":5.54,"sentiment":"neutral","sentiment_score":0.3191703309615453},{"text":"How are you?","start":5.6,"end":6.5,"sentiment":"neutral","sentiment_score":0.25988905628522235},{"text":"Good.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.5753682851791382},{"text":"Thanks.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.6652868986129761}],"sentiment":"positive","sentiment_score":0.36492724290915896,"num_words":14,"start":2.56,"end":9.46},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":10.16,"end":12.48,"sentiment":"positive","sentiment_score":0.4420619715343822},{"text":"Is now still a good time for you?","start":12.48,"end":14.055,"sentiment":"positive","sentiment_score":0.37503329664468765},{"text":"Yep.","start":14.055,"end":14.555,"sentiment":"neutral","sentiment_score":0.09555195271968842},{"text":"Perfect.","start":15.815001,"end":16.315,"sentiment":"positive","sentiment_score":0.3949635624885559},{"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":16.615,"end":23.994999,"sentiment":"neutral","sentiment_score":0.012402839316376325}],"sentiment":"neutral","sentiment_score":0.17426291830837726,"num_words":50,"start":10.16,"end":23.994999},{"sentences":[{"text":"Yep.","start":25.975,"end":26.34,"sentiment":"neutral","sentiment_score":0.14999572932720184},{"text":"Perfect.","start":26.5,"end":27.0,"sentiment":"neutral","sentiment_score":0.2939627766609192},{"text":"And just for security purposes, just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":27.22,"end":35.96,"sentiment":"neutral","sentiment_score":0.06886682646969954},{"text":"Yep.","start":41.555,"end":42.055,"sentiment":"neutral","sentiment_score":0.016025885939598083},{"text":"Yep.","start":46.355,"end":46.754997,"sentiment":"neutral","sentiment_score":0.08932235091924667}],"sentiment":"neutral","sentiment_score":0.07692092755699859,"num_words":34,"start":25.975,"end":46.754997},{"sentences":[{"text":"Perfect.","start":46.754997,"end":47.235,"sentiment":"positive","sentiment_score":0.4329243004322052},{"text":"That's exactly what I have here.","start":47.235,"end":48.675,"sentiment":"positive","sentiment_score":0.46142497658729553},{"text":"How's your day been?","start":48.675,"end":49.715,"sentiment":"neutral","sentiment_score":0.16127585247159004},{"text":"Been busy?","start":49.715,"end":50.535,"sentiment":"neutral","sentiment_score":-0.024640029296278954},{"text":"Yeah.","start":54.199997,"end":54.359997,"sentiment":"neutral","sentiment_score":0.24967458844184875}],"sentiment":"neutral","sentiment_score":0.28906943569225924,"num_words":14,"start":46.754997,"end":54.359997},{"sentences":[{"text":"That's good.","start":54.359997,"end":55.079998,"sentiment":"positive","sentiment_score":0.47814877331256866},{"text":"That's good.","start":55.079998,"end":55.64,"sentiment":"positive","sentiment_score":0.4978102147579193},{"text":"Do you have much left left to do for the day?","start":55.64,"end":58.219997,"sentiment":"neutral","sentiment_score":0.05920104479247874},{"text":"Yeah.","start":61.879997,"end":62.379997,"sentiment":"neutral","sentiment_score":0.1283621042966843},{"text":"Well, I will try not to keep you for too long, Anthony.","start":63.635002,"end":66.295,"sentiment":"neutral","sentiment_score":0.0012245673375825088}],"sentiment":"neutral","sentiment_score":0.09807808504306845,"num_words":28,"start":54.359997,"end":66.295},{"sentences":[{"text":"But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any areas you are, you know, hoping for me to address a little bit more or just a bit of a catch up and see how everything's going?","start":66.755,"end":82.229996,"sentiment":"neutral","sentiment_score":0.013619841975641662},{"text":"Yeah.","start":85.25,"end":85.75,"sentiment":"neutral","sentiment_score":0.05507611483335495},{"text":"Perfect.","start":86.37,"end":86.87,"sentiment":"neutral","sentiment_score":0.1633685678243637},{"text":"Now what I'll do first is just run through a bit of an updated back line with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice.","start":87.57,"end":98.174995,"sentiment":"neutral","sentiment_score":0.023495612507004562},{"text":"So just kind of bear with me as I go through these questions.","start":98.174995,"end":100.994995,"sentiment":"neutral","sentiment_score":0.014097820680875044}],"sentiment":"neutral","sentiment_score":0.018903397358627172,"num_words":114,"start":66.755,"end":100.994995},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as married.","start":102.815,"end":107.81,"sentiment":"neutral","sentiment_score":-0.011987362305323284},{"text":"Is that still the case?","start":107.81,"end":109.03,"sentiment":"neutral","sentiment_score":-0.019591658562421798},{"text":"K.","start":110.53,"end":111.009995,"sentiment":"neutral","sentiment_score":0.04065327346324921},{"text":"Perfect.","start":111.009995,"end":111.509995,"sentiment":"neutral","sentiment_score":-0.008777043782174587},{"text":"Now last time we spoke last year, you had three children at home, but two were kind of moving out shortly after we spoke.","start":111.96999,"end":120.63,"sentiment":"neutral","sentiment_score":-0.018688542457918327}],"sentiment":"neutral","sentiment_score":-0.015096032971759205,"num_words":46,"start":102.815,"end":120.63},{"sentences":[{"text":"Do you have one living at home at the moment?","start":121.305,"end":123.725,"sentiment":"neutral","sentiment_score":-0.011461189202964305},{"text":"Yep.","start":126.185,"end":126.685,"sentiment":"neutral","sentiment_score":0.05522290989756584},{"text":"Okay.","start":126.744995,"end":127.244995,"sentiment":"neutral","sentiment_score":0.08293460309505463},{"text":"Perfect.","start":127.305,"end":127.805,"sentiment":"neutral","sentiment_score":0.3007470965385437},{"text":"Okay.","start":129.705,"end":130.105,"sentiment":"neutral","sentiment_score":0.2162891626358032}],"sentiment":"neutral","sentiment_score":0.03861299143838031,"num_words":14,"start":121.305,"end":130.105},{"sentences":[{"text":"Perfect.","start":130.105,"end":130.605,"sentiment":"positive","sentiment_score":0.3925977349281311},{"text":"Is he still, like, relying on you guys kind financially and stuff?","start":130.665,"end":135.53,"sentiment":"neutral","sentiment_score":0.10135670409848292},{"text":"Like, what does he need a little bit of support from you guys?","start":135.53,"end":138.75,"sentiment":"neutral","sentiment_score":0.017388230906083033},{"text":"Or like no?","start":138.81,"end":141.31,"sentiment":"neutral","sentiment_score":-0.08810535569985707},{"text":"Yeah.","start":142.65,"end":143.05,"sentiment":"neutral","sentiment_score":0.0844801664352417}],"sentiment":"neutral","sentiment_score":0.055169642840822535,"num_words":30,"start":130.105,"end":143.05},{"sentences":[{"text":"Oh, well, that's good.","start":143.05,"end":144.11,"sentiment":"neutral","sentiment_score":0.2825901359319687},{"text":"Otherwise, when it comes to employment, has anything changed in the area for you?","start":145.29,"end":150.165,"sentiment":"neutral","sentiment_score":-0.012882135276283537},{"text":"Nope.","start":152.145,"end":152.645,"sentiment":"neutral","sentiment_score":-0.07877829670906067},{"text":"Perfect.","start":152.785,"end":153.285,"sentiment":"neutral","sentiment_score":0.08067333698272705},{"text":"Income, I have about $1.80.","start":153.825,"end":155.605,"sentiment":"neutral","sentiment_score":0.017873093485832214}],"sentiment":"neutral","sentiment_score":0.04165084630250931,"num_words":25,"start":143.05,"end":155.605},{"sentences":[{"text":"Yep.","start":157.025,"end":157.425,"sentiment":"neutral","sentiment_score":0.06908595561981201},{"text":"Perfect.","start":157.425,"end":157.925,"sentiment":"neutral","sentiment_score":0.15398463606834412},{"text":"Otherwise, when it comes to assets and liabilities, I have your property was last valued at about 1,000,000 with nothing owing.","start":160.94499,"end":170.57,"sentiment":"neutral","sentiment_score":-0.02494887989901361},{"text":"Is that still the case, or has that gone up a little bit?","start":171.03,"end":173.35,"sentiment":"neutral","sentiment_score":-0.07321115683477658},{"text":"Do you know?","start":173.35,"end":174.17,"sentiment":"neutral","sentiment_score":-0.022102465232213337}],"sentiment":"neutral","sentiment_score":-0.033818162070252955,"num_words":39,"start":157.025,"end":174.17},{"sentences":[{"text":"Roughly the same?","start":177.925,"end":178.905,"sentiment":"neutral","sentiment_score":0.0004966085155804952},{"text":"Yeah.","start":178.965,"end":179.285,"sentiment":"neutral","sentiment_score":0.02706432528793812},{"text":"And do you still have the holiday home as well?","start":179.285,"end":181.865,"sentiment":"neutral","sentiment_score":0.047414890863001345},{"text":"Perfect.","start":183.44499,"end":183.94499,"sentiment":"neutral","sentiment_score":0.2138325273990631},{"text":"Valed at about $7.50.","start":184.165,"end":186.185,"sentiment":"neutral","sentiment_score":0.16042058914899826}],"sentiment":"neutral","sentiment_score":0.07148515491893417,"num_words":19,"start":177.925,"end":186.185},{"sentences":[{"text":"Perfect.","start":188.18,"end":188.66,"sentiment":"neutral","sentiment_score":0.1874127835035324},{"text":"And about 150 owing.","start":188.66,"end":190.76,"sentiment":"neutral","sentiment_score":0.07670309580862522},{"text":"About hun 130?","start":192.62,"end":196.2,"sentiment":"neutral","sentiment_score":0.03024296462535858},{"text":"Yep.","start":197.78,"end":198.28,"sentiment":"neutral","sentiment_score":0.08035977184772491},{"text":"Perfect.","start":198.34,"end":198.84,"sentiment":"neutral","sentiment_score":0.1787482500076294}],"sentiment":"neutral","sentiment_score":0.08440620824694633,"num_words":10,"start":188.18,"end":198.84},{"sentences":[{"text":"Do you also have the boat still?","start":199.94,"end":201.72,"sentiment":"neutral","sentiment_score":0.0713133652295385},{"text":"Perfect.","start":203.215,"end":203.715,"sentiment":"neutral","sentiment_score":0.12758176028728485},{"text":"About 20 with nothing owing?","start":203.775,"end":205.955,"sentiment":"neutral","sentiment_score":0.024235089984722437},{"text":"Yep.","start":208.33499,"end":208.655,"sentiment":"neutral","sentiment_score":0.04960547015070915},{"text":"Perfect.","start":208.655,"end":209.055,"sentiment":"neutral","sentiment_score":0.0927981585264206}],"sentiment":"neutral","sentiment_score":0.059356959699653086,"num_words":15,"start":199.94,"end":209.055},{"sentences":[{"text":"Do you have any other new assets, any motor vehicles or motorbikes or savings in the bank or anything?","start":209.055,"end":215.53499,"sentiment":"neutral","sentiment_score":-0.015929023943547355},{"text":"No.","start":215.53499,"end":215.94,"sentiment":"neutral","sentiment_score":-0.03805068135261536},{"text":"Perfect.","start":216.18001,"end":216.68001,"sentiment":"neutral","sentiment_score":-0.008732608519494534},{"text":"Any other liabilities, like credit card, personal loans?","start":217.22,"end":221.64,"sentiment":"neutral","sentiment_score":-0.031722520710900426},{"text":"No.","start":222.26001,"end":222.76001,"sentiment":"neutral","sentiment_score":-0.043212443590164185}],"sentiment":"neutral","sentiment_score":-0.02154757846922924,"num_words":30,"start":209.055,"end":222.76001},{"sentences":[{"text":"Perfect.","start":223.38,"end":223.88,"sentiment":"neutral","sentiment_score":0.03059963881969452},{"text":"Now health and lifestyle wise, I do have here that you do have private health insurance and a nonsmoker.","start":225.3,"end":233.055,"sentiment":"neutral","sentiment_score":0.05992675709881281},{"text":"Is that correct?","start":233.275,"end":234.175,"sentiment":"neutral","sentiment_score":0.08138176053762436},{"text":"Perfect.","start":235.83499,"end":236.33499,"sentiment":"neutral","sentiment_score":0.21456873416900635},{"text":"Have you had any changes to your health otherwise in the last twelve months?","start":236.555,"end":239.915,"sentiment":"neutral","sentiment_score":0.01540179830044508}],"sentiment":"neutral","sentiment_score":0.04851440041276969,"num_words":38,"start":223.38,"end":239.915},{"sentences":[{"text":"Any new illnesses or injuries?","start":239.915,"end":241.75499,"sentiment":"neutral","sentiment_score":-0.03112853541970253},{"text":"No.","start":241.75499,"end":242.075,"sentiment":"neutral","sentiment_score":-0.0650237500667572},{"text":"Perfect.","start":242.075,"end":242.575,"sentiment":"neutral","sentiment_score":-0.02390601858496666},{"text":"And estate planning wise, I do have here Rachel as your beneficiary.","start":244.57,"end":248.83,"sentiment":"neutral","sentiment_score":0.13235441284875074},{"text":"So if something were to happen to you, it would go to her.","start":248.97,"end":252.27,"sentiment":"neutral","sentiment_score":0.09550552471325947}],"sentiment":"neutral","sentiment_score":0.0807891353033483,"num_words":32,"start":239.915,"end":252.27},{"sentences":[{"text":"And you guys don't have a will in place or anything.","start":253.29001,"end":255.69,"sentiment":"neutral","sentiment_score":-0.06315343589945273},{"text":"Is that all correct?","start":255.69,"end":256.83002,"sentiment":"neutral","sentiment_score":-0.030872529838234186},{"text":"You do have?","start":259.095,"end":259.995,"sentiment":"neutral","sentiment_score":0.0347906139989694},{"text":"Perfect.","start":260.055,"end":260.455,"sentiment":"positive","sentiment_score":0.4243883490562439},{"text":"And is that pretty up to date?","start":260.455,"end":262.235,"sentiment":"neutral","sentiment_score":0.13823151801313674}],"sentiment":"neutral","sentiment_score":0.02608472703454586,"num_words":26,"start":253.29001,"end":262.235},{"sentences":[{"text":"Ah, yeah.","start":267.815,"end":268.395,"sentiment":"neutral","sentiment_score":0.1370547041296959},{"text":"Great.","start":268.455,"end":268.955,"sentiment":"positive","sentiment_score":0.4079150855541229},{"text":"And do you know when you guys got the rule if you made a power of attorney nomination if something ever were to happen as well?","start":269.43,"end":276.41,"sentiment":"neutral","sentiment_score":0.11839576108524433},{"text":"Yes.","start":279.35,"end":279.85,"sentiment":"neutral","sentiment_score":0.1816636472940445},{"text":"Perfect.","start":279.99,"end":280.49,"sentiment":"positive","sentiment_score":0.38889580965042114}],"sentiment":"neutral","sentiment_score":0.139705604483043,"num_words":31,"start":267.815,"end":280.49},{"sentences":[{"text":"Great.","start":288.025,"end":288.505,"sentiment":"positive","sentiment_score":0.4189913868904114},{"text":"Yeah.","start":288.505,"end":288.985,"sentiment":"neutral","sentiment_score":0.32036417722702026},{"text":"Perfect.","start":288.985,"end":289.485,"sentiment":"positive","sentiment_score":0.5544095039367676},{"text":"Now I guess when it comes to kind of goals, stuff that you're working towards that you are kind of wanting to achieve in the next twelve months.","start":290.265,"end":298.41,"sentiment":"positive","sentiment_score":0.3872474219117846},{"text":"So when we spoke to you last year, your main focus at the time was to focus on paying off the holiday home, and then you had a Europe trip planned this year.","start":298.41,"end":308.27,"sentiment":"neutral","sentiment_score":0.12137669686115149}],"sentiment":"neutral","sentiment_score":0.25222068559378386,"num_words":64,"start":288.025,"end":308.27},{"sentences":[{"text":"Have you guys been, or is that on the cards?","start":308.49,"end":310.99,"sentiment":"neutral","sentiment_score":0.01939762569963932},{"text":"Beautiful.","start":317.70502,"end":318.20502,"sentiment":"positive","sentiment_score":0.4628326892852783},{"text":"And where are you guys going?","start":318.265,"end":319.565,"sentiment":"neutral","sentiment_score":0.09176523176332314},{"text":"Yep.","start":323.225,"end":323.64,"sentiment":"neutral","sentiment_score":0.05831373855471611},{"text":"Beautiful.","start":324.76,"end":325.26,"sentiment":"positive","sentiment_score":0.4612879753112793}],"sentiment":"neutral","sentiment_score":0.09089484477513715,"num_words":19,"start":308.49,"end":325.26},{"sentences":[{"text":"That's the best time to go.","start":325.32,"end":326.7,"sentiment":"positive","sentiment_score":0.36084044973055523},{"text":"Yeah.","start":329.24002,"end":329.56003,"sentiment":"neutral","sentiment_score":0.028676606714725494},{"text":"Where are you where are you flying into?","start":329.56003,"end":331.66,"sentiment":"neutral","sentiment_score":-0.01081101514864713},{"text":"Oh, yeah.","start":335.32,"end":335.98,"sentiment":"neutral","sentiment_score":-0.018563122488558292},{"text":"Yeah.","start":337.385,"end":337.885,"sentiment":"neutral","sentiment_score":-0.017810948193073273}],"sentiment":"neutral","sentiment_score":0.11401633281881611,"num_words":18,"start":325.32,"end":337.885},{"sentences":[{"text":"Yeah.","start":340.665,"end":341.165,"sentiment":"neutral","sentiment_score":-0.06851991266012192},{"text":"It's a bit of a pain because my my family lives over in Sweden, and they are planning to come and visit at the at the end of the year around October.","start":341.86502,"end":350.345,"sentiment":"neutral","sentiment_score":-0.14069853839464486},{"text":"And it's it's it's a lot like that where where you're going, where you're traveling from.","start":350.345,"end":357.05,"sentiment":"neutral","sentiment_score":-0.08827404864132404},{"text":"A lot of to Sweden is through Singapore, so you can fly to Singapore and then Singapore straight to, like, Sweden or Copenhagen, but they sell out the fastest.","start":357.19,"end":366.605,"sentiment":"neutral","sentiment_score":0.004110358526994443},{"text":"So it's really hard to get them because that's obviously the fastest way.","start":366.745,"end":369.945,"sentiment":"neutral","sentiment_score":-0.21226630417200235}],"sentiment":"neutral","sentiment_score":-0.09476395029124322,"num_words":91,"start":340.665,"end":369.945},{"sentences":[{"text":"So I've had people going, like you, through through Asia or even some through America that way.","start":369.945,"end":376.125,"sentiment":"neutral","sentiment_score":-0.005986326648031964},{"text":"They're just trying to get to Europe.","start":376.185,"end":378.345,"sentiment":"neutral","sentiment_score":0.03160148912242481},{"text":"So it's a bit of a bit of a tricky situation, but, hopefully, you guys get there okay.","start":378.345,"end":382.37,"sentiment":"neutral","sentiment_score":0.032756723980936736},{"text":"Otherwise, it's the main focus to kind of aside from, obviously, the the lovely holiday, just continue to pay off the holiday home.","start":385.63,"end":393.075,"sentiment":"neutral","sentiment_score":0.29580940306186676},{"text":"Yep.","start":395.39502,"end":395.89502,"sentiment":"neutral","sentiment_score":0.21062764525413513}],"sentiment":"neutral","sentiment_score":0.11701981542688428,"num_words":66,"start":369.945,"end":395.89502},{"sentences":[{"text":"Yep.","start":401.71503,"end":402.21503,"sentiment":"neutral","sentiment_score":0.3068183958530426},{"text":"Perfect.","start":402.435,"end":402.935,"sentiment":"positive","sentiment_score":0.5896475315093994},{"text":"And talking about superannuation, I have here that, ideally, you would like to retire at about age 65 with an income of about 1,200 a week.","start":404.915,"end":415.06,"sentiment":"neutral","sentiment_score":0.2163500227034092},{"text":"Yep.","start":416.4,"end":416.9,"sentiment":"neutral","sentiment_score":0.21026967465877533},{"text":"Perfect.","start":417.2,"end":417.7,"sentiment":"positive","sentiment_score":0.5023660063743591}],"sentiment":"neutral","sentiment_score":0.24114007328947384,"num_words":30,"start":401.71503,"end":417.7},{"sentences":[{"text":"And I guess when it comes to your superannuation focus, it's just to try to focus on growing that to get as much wealth as possible by the time you turn 65.","start":418.125,"end":429.905,"sentiment":"neutral","sentiment_score":0.32753343787044287},{"text":"Is that still kind of the fruit?","start":430.125,"end":431.745,"sentiment":"neutral","sentiment_score":0.1895748802593776},{"text":"Yep.","start":434.01,"end":434.41,"sentiment":"neutral","sentiment_score":0.1771966814994812},{"text":"Perfect.","start":434.41,"end":434.91,"sentiment":"positive","sentiment_score":0.37457144260406494},{"text":"And I guess with that as well, the next thing I do wanna run over with you, Anthony, is just a bit of an updated risk profile questionnaire to see if your risk tolerance or anything has changed and you wanna make any changes to it.","start":435.93,"end":449.285,"sentiment":"neutral","sentiment_score":0.09679120600871417}],"sentiment":"neutral","sentiment_score":0.19324434223188752,"num_words":87,"start":418.125,"end":449.285},{"sentences":[{"text":"So just bear with me as I go through these questions.","start":449.58502,"end":453.685,"sentiment":"neutral","sentiment_score":0.05432181432843208},{"text":"Now thinking about your superannuation, in terms of how much risk you are willing to take, in order to make sure that it continues to, you know, go up and above inflation and increasing prices, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk?","start":455.345,"end":476.89502,"sentiment":"neutral","sentiment_score":0.03748739226297899},{"text":"High to moderate.","start":479.435,"end":480.33502,"sentiment":"neutral","sentiment_score":0.010114473601182302},{"text":"Okay.","start":480.39502,"end":480.875,"sentiment":"neutral","sentiment_score":0.13170115649700165},{"text":"Perfect.","start":480.875,"end":481.375,"sentiment":"neutral","sentiment_score":0.27808088064193726}],"sentiment":"neutral","sentiment_score":0.04365453507069131,"num_words":71,"start":449.58502,"end":481.375},{"sentences":[{"text":"And yes.","start":482.675,"end":485.11502,"sentiment":"neutral","sentiment_score":0.09312913194298744},{"text":"Yes.","start":485.11502,"end":485.515,"sentiment":"neutral","sentiment_score":0.07644239813089371},{"text":"Exactly that.","start":485.515,"end":486.575,"sentiment":"neutral","sentiment_score":0.07556454092264175},{"text":"And when it comes to volatility, so if you ever were to place an investment and then after six months of investing, you noticed that the portfolio was down 20% due to kind of general trends in the market.","start":489.05,"end":502.66998,"sentiment":"neutral","sentiment_score":-0.08605868073228078},{"text":"Would you wanna take advantage of the drop in prices by thinking that now is a good time to invest a bit more, or just kind of hold, wait to see what happens?","start":503.285,"end":512.42505,"sentiment":"neutral","sentiment_score":-0.04386363127692179}],"sentiment":"neutral","sentiment_score":-0.0570124498290288,"num_words":77,"start":482.675,"end":512.42505},{"sentences":[{"text":"Or would you wanna sell and move through something a little bit more secure, but that means you are then selling with the prices have already dropped?","start":512.725,"end":519.93,"sentiment":"neutral","sentiment_score":-0.07131845890371888},{"text":"Yep.","start":524.15,"end":524.65,"sentiment":"neutral","sentiment_score":0.005125671159476042},{"text":"Yep.","start":525.51,"end":525.99,"sentiment":"neutral","sentiment_score":0.06629779934883118},{"text":"Perfect.","start":525.99,"end":526.49,"sentiment":"positive","sentiment_score":0.36776769161224365},{"text":"Yep.","start":526.87,"end":527.235,"sentiment":"neutral","sentiment_score":0.1421736776828766}],"sentiment":"neutral","sentiment_score":-0.04336237259990265,"num_words":31,"start":512.725,"end":527.235},{"sentences":[{"text":"And last one here is if you did see some fluctuations in your superannuation at any point or any investment really, the last twelve months, we have seen a bit of fluctuations.","start":528.995,"end":540.52,"sentiment":"neutral","sentiment_score":0.00819855005829595},{"text":"First, obviously, you had everything in The US with Trump and tariffs and everything that we did see a bit of fluctuation.","start":540.52,"end":546.14,"sentiment":"neutral","sentiment_score":-0.012849550694227219},{"text":"And, obviously, more recently with the war as well, we have seen a bit of fluctuation in the market.","start":546.36,"end":551.66003,"sentiment":"neutral","sentiment_score":-0.05554940149580177},{"text":"If it is something that you kind of noticed or even go back to COVID when we saw a bit of a drop, would you say that seeing seeing a bit of fluctuation in your super would make you feel optimistic about potential opportunities, a bit more kind of neutral, not making further investment, concerned, or highly anxious?","start":552.53503,"end":573.54,"sentiment":"neutral","sentiment_score":0.11256395379916348},{"text":"Optimistic.","start":581.855,"end":582.355,"sentiment":"positive","sentiment_score":0.44374915957450867}],"sentiment":"neutral","sentiment_score":0.04467184347044112,"num_words":132,"start":528.995,"end":582.355},{"sentences":[{"text":"Okay.","start":582.815,"end":583.295,"sentiment":"neutral","sentiment_score":0.25894132256507874},{"text":"Perfect.","start":583.295,"end":583.795,"sentiment":"positive","sentiment_score":0.44846177101135254},{"text":"And would you ever consider taking out a loan to invest in stocks or funds or just kind of potentially for, like, an investment property and stuff.","start":586.575,"end":597.59,"sentiment":"neutral","sentiment_score":0.17229659055118207},{"text":"Yep.","start":599.57,"end":600.05005,"sentiment":"neutral","sentiment_score":0.1827474683523178},{"text":"Perfect.","start":600.05005,"end":600.55005,"sentiment":"neutral","sentiment_score":0.3273458778858185}],"sentiment":"neutral","sentiment_score":0.1893388511192414,"num_words":31,"start":582.815,"end":600.55005},{"sentences":[{"text":"Now that tells me here, Anthony, that you have come out as a growth investor, and it is the portfolio that we currently have you invested in.","start":602.05005,"end":610.615,"sentiment":"neutral","sentiment_score":0.22031627153908764},{"text":"Do you remember what a growth investor is at all, what it means?","start":610.915,"end":614.375,"sentiment":"neutral","sentiment_score":0.08827972813294484},{"text":"Yes.","start":629.25,"end":629.75,"sentiment":"neutral","sentiment_score":0.27055084705352783},{"text":"So it is in a good position where you are not you're not being, like, an aggressive or super high risk.","start":630.29004,"end":636.615,"sentiment":"neutral","sentiment_score":0.2016363376751542},{"text":"Just kind of in that that middle where you're still focusing on your growth and getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement.","start":637.235,"end":647.65497,"sentiment":"neutral","sentiment_score":0.2632490214156477}],"sentiment":"neutral","sentiment_score":0.2160455254931003,"num_words":100,"start":602.05005,"end":647.65497},{"sentences":[{"text":"And you will see some short term fluctuations in order to achieve that growth.","start":649.0,"end":654.38,"sentiment":"neutral","sentiment_score":0.1451942745063986},{"text":"And when we are talking about an asset allocation, so how your money is invested, typically, we see about 80% in what we would call your growth assets.","start":654.92,"end":666.33496,"sentiment":"neutral","sentiment_score":0.14328501346920217},{"text":"So that will be things like Australian shares, international shares, as well as property and commodities.","start":666.795,"end":672.01495,"sentiment":"neutral","sentiment_score":0.21702890843153},{"text":"And that is what's going to grow and maximize that for you.","start":672.795,"end":676.095,"sentiment":"positive","sentiment_score":0.38400406514604885},{"text":"And then about 20% in defensive.","start":676.32,"end":679.06,"sentiment":"neutral","sentiment_score":0.15336448575059572}],"sentiment":"neutral","sentiment_score":0.19796576909720898,"num_words":76,"start":649.0,"end":679.06},{"sentences":[{"text":"So, like, your cash, your gold, your fixed interest, we're trying to limit fluctuations a little bit.","start":680.0,"end":685.22003,"sentiment":"neutral","sentiment_score":0.16631845998413422},{"text":"Time frame wise, so making sure you have enough time in the market for those fluctuations.","start":686.88,"end":690.9,"sentiment":"neutral","sentiment_score":0.10458734398707747},{"text":"In a growth portfolio, we wanna allow six years until the time.","start":691.775,"end":695.395,"sentiment":"neutral","sentiment_score":0.1195954227199157},{"text":"So from a time frame point of view, you are in a good position of trying to grow that as long as you are still comfortable with the same level of risk and everything.","start":696.255,"end":706.435,"sentiment":"neutral","sentiment_score":0.19018269198782303},{"text":"Yep.","start":706.89,"end":707.39,"sentiment":"neutral","sentiment_score":0.13273143768310547}],"sentiment":"neutral","sentiment_score":0.156686242017895,"num_words":80,"start":680.0,"end":707.39},{"sentences":[{"text":"Great.","start":708.65,"end":709.15,"sentiment":"positive","sentiment_score":0.5658324360847473},{"text":"Perfect.","start":709.37,"end":709.87,"sentiment":"positive","sentiment_score":0.4768713116645813},{"text":"Now last thing here, Anthony, is do you have access to your emails at the moment?","start":711.21,"end":715.47003,"sentiment":"neutral","sentiment_score":0.07504533231258392},{"text":"Yes.","start":719.945,"end":720.445,"sentiment":"neutral","sentiment_score":0.03718655928969383},{"text":"Yep.","start":722.505,"end":722.98505,"sentiment":"neutral","sentiment_score":0.11430051922798155}],"sentiment":"neutral","sentiment_score":0.11974580716341734,"num_words":20,"start":708.65,"end":722.98505},{"sentences":[{"text":"Perfect.","start":722.98505,"end":723.48505,"sentiment":"neutral","sentiment_score":0.21339115500450137},{"text":"If you have the option of accessing them, I can run it through with you.","start":724.18506,"end":728.98505,"sentiment":"neutral","sentiment_score":0.09951579024394354},{"text":"But if you can't, I can always know.","start":728.98505,"end":734.05,"sentiment":"neutral","sentiment_score":-0.035193538409657776},{"text":"Oh, sweet.","start":734.05,"end":734.69,"sentiment":"neutral","sentiment_score":0.11774518713355064},{"text":"Perfect.","start":734.69,"end":735.19,"sentiment":"neutral","sentiment_score":0.13206669688224792}],"sentiment":"neutral","sentiment_score":0.06637543601984228,"num_words":27,"start":722.98505,"end":735.19},{"sentences":[{"text":"So you may have seen we've recently changed our software a little bit, so it might look a little bit different through what I did last year.","start":735.25,"end":743.43,"sentiment":"neutral","sentiment_score":0.0288951037865546},{"text":"But, essentially, when you click on the email now before you click on the link where it says to sign now, at the bottom of the email, can you see a couple of attachment?","start":744.735,"end":756.355,"sentiment":"neutral","sentiment_score":0.03411702743238386},{"text":"Yes.","start":758.32,"end":758.82,"sentiment":"neutral","sentiment_score":0.1159486174583435},{"text":"Perfect.","start":758.88,"end":759.38,"sentiment":"neutral","sentiment_score":0.19535717368125916},{"text":"So you should have your first through is where it says o q services guide and financial services guide version four.","start":759.84,"end":768.64,"sentiment":"neutral","sentiment_score":0.07762126181097258}],"sentiment":"neutral","sentiment_score":0.04620832171557205,"num_words":84,"start":735.25,"end":768.64},{"sentences":[{"text":"Can you see those two?","start":768.64,"end":769.845,"sentiment":"neutral","sentiment_score":0.038901162892580034},{"text":"Yes.","start":776.245,"end":776.745,"sentiment":"neutral","sentiment_score":0.318149209022522},{"text":"Perfect.","start":776.805,"end":777.305,"sentiment":"positive","sentiment_score":0.470585823059082},{"text":"Now I'll No.","start":777.52496,"end":784.1,"sentiment":"neutral","sentiment_score":-0.0748257761200269},{"text":"That's okay.","start":784.1,"end":784.92,"sentiment":"neutral","sentiment_score":-0.08971943520009518}],"sentiment":"neutral","sentiment_score":0.048277053982019424,"num_words":12,"start":768.64,"end":784.92},{"sentences":[{"text":"Neither of those two, actually, because I'll get you to have a you can if you want to, but they are just kind of an updated version of their their financial services guide.","start":788.26,"end":798.745,"sentiment":"neutral","sentiment_score":-0.02333383160558614},{"text":"It is one of those compliance documents we would we would have gone through with you a couple of times.","start":798.885,"end":803.385,"sentiment":"neutral","sentiment_score":0.051988678565248844},{"text":"Yeah.","start":804.725,"end":805.125,"sentiment":"neutral","sentiment_score":0.1177346408367157},{"text":"So nothing major has changed.","start":805.125,"end":806.825,"sentiment":"neutral","sentiment_score":0.02244373857975006},{"text":"When you do have a look at them, you will see we've had a bit of a change to marketing, which is nice, and a bit of an extension to the team as well.","start":807.205,"end":814.8,"sentiment":"neutral","sentiment_score":0.27644580953261433}],"sentiment":"neutral","sentiment_score":0.10643944071145148,"num_words":93,"start":788.26,"end":814.8},{"sentences":[{"text":"Otherwise, all the important information is all the same.","start":815.58,"end":818.77997,"sentiment":"neutral","sentiment_score":0.13396008395486408},{"text":"So I'll let you have a read over them in your own time.","start":818.77997,"end":821.68,"sentiment":"neutral","sentiment_score":0.08592879972778834},{"text":"What is the next document you can see?","start":823.02,"end":825.27997,"sentiment":"neutral","sentiment_score":0.037174742203205824},{"text":"Yep.","start":831.885,"end":832.205,"sentiment":"neutral","sentiment_score":0.2885217070579529},{"text":"If you wanna open that one for me, that'll be great.","start":832.205,"end":834.78503,"sentiment":"positive","sentiment_score":0.40436412529511884}],"sentiment":"neutral","sentiment_score":0.17515809940440313,"num_words":42,"start":815.58,"end":834.78503},{"sentences":[{"text":"Yep.","start":838.22,"end":838.72,"sentiment":"neutral","sentiment_score":0.12719634175300598},{"text":"Now this one here shows you a bit of a summary of your situation, but you can see here that you have your superannuation with hub twenty four.","start":839.66,"end":849.12,"sentiment":"neutral","sentiment_score":0.11579778125243527},{"text":"And you do have about $436,803 in there.","start":849.33997,"end":854.925,"sentiment":"neutral","sentiment_score":0.1023474745452404},{"text":"Now underneath it, you can then see your insurance with Cal.","start":856.665,"end":860.125,"sentiment":"neutral","sentiment_score":0.06783322448080237},{"text":"So for your life and total permanent disability insurance, you have 276,675.","start":860.58496,"end":870.70996,"sentiment":"neutral","sentiment_score":0.08011147969712813}],"sentiment":"neutral","sentiment_score":0.09826362064729134,"num_words":60,"start":838.22,"end":870.70996},{"sentences":[{"text":"Are you still happy with that level of cover for those two?","start":871.17,"end":874.70996,"sentiment":"neutral","sentiment_score":0.09009155413756768},{"text":"Yep.","start":877.00995,"end":877.32996,"sentiment":"neutral","sentiment_score":0.3045271039009094},{"text":"Perfect.","start":877.32996,"end":877.73,"sentiment":"positive","sentiment_score":0.5191336870193481},{"text":"And I think when we spoke last, you were kind of well, if something were to happen that would pay off, you know, the mortgage or the holiday home and still leave a little bit of extra to support.","start":877.73,"end":889.705,"sentiment":"neutral","sentiment_score":0.1541417514284452},{"text":"So that.","start":890.005,"end":891.72,"sentiment":"neutral","sentiment_score":0.17067991942167282}],"sentiment":"neutral","sentiment_score":0.1501390470022505,"num_words":55,"start":871.17,"end":891.72},{"sentences":[{"text":"Yeah.","start":892.04,"end":892.54,"sentiment":"neutral","sentiment_score":0.1707293540239334},{"text":"Now you also have an income protection policy.","start":892.68,"end":895.33997,"sentiment":"neutral","sentiment_score":0.14765658229589462},{"text":"So that will pay 5,959 per month.","start":895.87994,"end":900.77997,"sentiment":"neutral","sentiment_score":0.14821270746844156},{"text":"You do have a thirteen day thirteen week waiting period.","start":901.56,"end":906.21497,"sentiment":"neutral","sentiment_score":0.07273169048130512},{"text":"Sorry.","start":906.21497,"end":906.71497,"sentiment":"neutral","sentiment_score":-0.04618535190820694}],"sentiment":"neutral","sentiment_score":0.11372601916944539,"num_words":27,"start":892.04,"end":906.71497},{"sentences":[{"text":"And it goes all the way to the up age of 65 benefit period.","start":906.935,"end":911.595,"sentiment":"neutral","sentiment_score":-0.025557500842426504},{"text":"Now when it comes to your income protection as well, are you still happy with that level of cover, or or what are your thoughts?","start":912.055,"end":920.43005,"sentiment":"neutral","sentiment_score":0.03666854500770569},{"text":"Yep.","start":920.57,"end":921.07,"sentiment":"neutral","sentiment_score":0.16640828549861908},{"text":"Perf perfect.","start":921.21,"end":922.19,"sentiment":"positive","sentiment_score":0.7897663414478302},{"text":"Now those three paid inside super because you do get a 15% tax rebate is 3,247.","start":923.61005,"end":933.16504,"sentiment":"positive","sentiment_score":0.39775272458791733}],"sentiment":"neutral","sentiment_score":0.14946367543447633,"num_words":58,"start":906.935,"end":933.16504},{"sentences":[{"text":"And then you also have a split so that you do get a little bit of extra benefits as well by having a small portion paid outside super.","start":933.78503,"end":942.125,"sentiment":"neutral","sentiment_score":0.3203960151544639},{"text":"And that premium is $12.97 a month.","start":942.98505,"end":946.98,"sentiment":"neutral","sentiment_score":0.10229562329394477},{"text":"Any questions with any of that, or that's pretty straightforward?","start":949.2,"end":951.86,"sentiment":"neutral","sentiment_score":0.12957631871104242},{"text":"No.","start":953.52,"end":954.02,"sentiment":"neutral","sentiment_score":0.0619780533015728},{"text":"Perfect.","start":954.72,"end":955.22,"sentiment":"positive","sentiment_score":0.33418160676956177}],"sentiment":"neutral","sentiment_score":0.24210809860774812,"num_words":47,"start":933.78503,"end":955.22},{"sentences":[{"text":"Now if you go back into the email, you should also see and I won't get you to open that, but you should have three where it says TAO certificate of currency and then TAO, CRC IP.","start":956.08,"end":967.675,"sentiment":"neutral","sentiment_score":0.08832372654531453},{"text":"That just breaks down the insurances we just kind of touched on just in a little bit more detail but just let you know that's all paid and up to date for you.","start":967.675,"end":976.55,"sentiment":"neutral","sentiment_score":0.16633229905908758},{"text":"Yep.","start":977.32996,"end":977.82996,"sentiment":"neutral","sentiment_score":0.14141392707824707},{"text":"Perfect.","start":978.05,"end":978.55,"sentiment":"positive","sentiment_score":0.40637123584747314},{"text":"And the other one is your twelve month hub twenty four performance report.","start":979.01,"end":985.11,"sentiment":"neutral","sentiment_score":0.18487714116389936}],"sentiment":"neutral","sentiment_score":0.13774272646097577,"num_words":85,"start":956.08,"end":985.11},{"sentences":[{"text":"If you wanna open that for me.","start":986.13,"end":988.095,"sentiment":"neutral","sentiment_score":0.08423399712358202},{"text":"Yep.","start":992.415,"end":992.915,"sentiment":"neutral","sentiment_score":0.1716155707836151},{"text":"Perfect.","start":992.975,"end":993.475,"sentiment":"positive","sentiment_score":0.3964605927467346},{"text":"Now this one here gives you a breakdown of what's happened in your portfolio in the last twelve months.","start":993.855,"end":999.475,"sentiment":"neutral","sentiment_score":0.15487693367820038},{"text":"So kinda like I touched on a little bit earlier, we've obviously had a bit of fluctuations in the last twelve months.","start":999.535,"end":1005.66,"sentiment":"neutral","sentiment_score":0.018647707363759928}],"sentiment":"neutral","sentiment_score":0.09021250890567899,"num_words":50,"start":986.13,"end":1005.66},{"sentences":[{"text":"But despite all of that, your portfolio has done really well.","start":1006.68,"end":1011.1,"sentiment":"neutral","sentiment_score":0.29689399152994156},{"text":"So in the last twelve months, after all fees, your portfolio has still gone up by 11.57%, which is really good, yeah, really good in today's market condition.","start":1011.31995,"end":1025.8151,"sentiment":"neutral","sentiment_score":0.3304695726505348},{"text":"Now I do wanna point out that, obviously, with investment, things are always changing, and it is good to do a bit of, you know, research and stuff on your investments all the time because there's always things that could potentially change.","start":1026.995,"end":1040.1001,"sentiment":"neutral","sentiment_score":0.11102379885103021},{"text":"So we and the investment committee do a lot of research on the investments.","start":1040.1001,"end":1042.613,"sentiment":"neutral","sentiment_score":0.09828422744093197},{"text":"And after kind of deep diving a little bit into one of And after kind of deep diving a little bit into one of your investments, which is your Benelon Australian Equities, we are looking at potentially swapping this one for another option if you are happy for me to do that research.","start":1042.613,"end":1059.555,"sentiment":"neutral","sentiment_score":0.021747628139015637}],"sentiment":"neutral","sentiment_score":0.13317962816438159,"num_words":148,"start":1006.68,"end":1059.555},{"sentences":[{"text":"Yeah.","start":1062.15,"end":1062.63,"sentiment":"neutral","sentiment_score":0.24790099263191223},{"text":"Great.","start":1062.63,"end":1063.11,"sentiment":"positive","sentiment_score":0.6895782947540283},{"text":"Perfect.","start":1063.11,"end":1063.61,"sentiment":"positive","sentiment_score":0.6716568470001221},{"text":"The reason being is, Belle, is that investment was added to your portfolio.","start":1063.83,"end":1067.77,"sentiment":"neutral","sentiment_score":0.2844657829174629},{"text":"It is a managed fund, and the purpose was through actively buying, sell different investments in order to try to outperform the market.","start":1067.99,"end":1077.035,"sentiment":"neutral","sentiment_score":0.1994049795295881}],"sentiment":"neutral","sentiment_score":0.2536796369613745,"num_words":39,"start":1062.15,"end":1077.035},{"sentences":[{"text":"When you came on board and for a lot of the time, they were one of the best performing fund managers and had done really well.","start":1078.295,"end":1084.635,"sentiment":"neutral","sentiment_score":0.16347450934923613},{"text":"More recently, we have found they've kind of underperformed a little bit.","start":1085.175,"end":1089.595,"sentiment":"neutral","sentiment_score":-0.2627270258963108},{"text":"And if it's when we do the research and we should see them being a bit slower with making investment choices or it might not be the best option for you moving forward, we definitely obviously wanna have that approach where we can do a bit more research and look to change it if there's better options out there through making sure that we always have you in the best position possible.","start":1090.51,"end":1109.265,"sentiment":"neutral","sentiment_score":-0.06664750999253657},{"text":"So Yeah.","start":1110.4451,"end":1111.645,"sentiment":"neutral","sentiment_score":0.20799721777439117},{"text":"So I will go and do some research on the investment there for you, and I will then put together a bit of a proposal if I find something more suitable.","start":1111.645,"end":1122.82,"sentiment":"neutral","sentiment_score":0.16888261249949854}],"sentiment":"neutral","sentiment_score":0.013638794656608489,"num_words":143,"start":1078.295,"end":1122.82},{"sentences":[{"text":"Now it will take me about a week to put all of that together.","start":1123.44,"end":1127.78,"sentiment":"neutral","sentiment_score":0.09132968634366989},{"text":"When is a good time for you to kind of quickly run through that with me over the phone?","start":1128.72,"end":1133.8251,"sentiment":"neutral","sentiment_score":0.11600209184383091},{"text":"Okay.","start":1144.14,"end":1144.64,"sentiment":"neutral","sentiment_score":0.06685975193977356},{"text":"Let me have a look.","start":1144.7001,"end":1146.16,"sentiment":"neutral","sentiment_score":0.06918713450431824},{"text":"Okay.","start":1147.66,"end":1148.06,"sentiment":"neutral","sentiment_score":0.10830607265233994}],"sentiment":"neutral","sentiment_score":0.10009392127394676,"num_words":40,"start":1123.44,"end":1148.06},{"sentences":[{"text":"Perfect.","start":1148.06,"end":1148.4601,"sentiment":"neutral","sentiment_score":0.27479976415634155},{"text":"Let me have a look.","start":1148.4601,"end":1149.76,"sentiment":"neutral","sentiment_score":0.15222200751304626},{"text":"Yes.","start":1153.66,"end":1154.16,"sentiment":"neutral","sentiment_score":0.06563059240579605},{"text":"Okay.","start":1156.395,"end":1156.895,"sentiment":"neutral","sentiment_score":0.05422343313694},{"text":"Well, I probably could do this time, so 3PM, on Thursday May 7.","start":1157.035,"end":1166.815,"sentiment":"neutral","sentiment_score":0.05189865913528662}],"sentiment":"neutral","sentiment_score":0.087164114096335,"num_words":21,"start":1148.06,"end":1166.815},{"sentences":[{"text":"Would that work for you?","start":1166.9551,"end":1168.3351,"sentiment":"neutral","sentiment_score":0.09744004011154175},{"text":"Yeah?","start":1169.96,"end":1170.46,"sentiment":"neutral","sentiment_score":0.13383659720420835},{"text":"Okay.","start":1170.6,"end":1171.1,"sentiment":"neutral","sentiment_score":0.1539095938205719},{"text":"Perfect.","start":1171.1599,"end":1171.6599,"sentiment":"neutral","sentiment_score":0.02266688644886017},{"text":"So that is all booked in on Thursday, May 7.","start":1173.24,"end":1177.1,"sentiment":"neutral","sentiment_score":0.06932922154664993}],"sentiment":"neutral","sentiment_score":0.0828280829721027,"num_words":18,"start":1166.9551,"end":1177.1},{"sentences":[{"text":"Would you like a reminder text sent, like, an hour or two before the appointment in case anything comes up for you?","start":1177.32,"end":1182.765,"sentiment":"neutral","sentiment_score":0.1077720241790468},{"text":"Yeah.","start":1184.525,"end":1185.025,"sentiment":"neutral","sentiment_score":0.2088657021522522},{"text":"Yeah.","start":1185.405,"end":1185.905,"sentiment":"neutral","sentiment_score":0.10882657021284103},{"text":"And and if anything does change with work or anything like that and you can't make it, just let me know, and I'll see if I can shuffle a few things around for you.","start":1185.965,"end":1194.78,"sentiment":"neutral","sentiment_score":0.03730606463025598},{"text":"Yeah.","start":1195.74,"end":1196.06,"sentiment":"neutral","sentiment_score":0.13145433366298676}],"sentiment":"neutral","sentiment_score":0.06929724297281038,"num_words":59,"start":1177.32,"end":1196.06},{"sentences":[{"text":"I see.","start":1196.06,"end":1196.78,"sentiment":"neutral","sentiment_score":0.16781602054834366},{"text":"Now the last thing before I let you go and enjoy the rest of your afternoon, Anthony, is if you then click on the link where it says sign now, it will ask you to sign through documents, I believe, if you are happy to do so.","start":1196.78,"end":1210.095,"sentiment":"neutral","sentiment_score":0.29802303555163934},{"text":"And that is your ongoing service agreement just to say that you're happy to remain and stay on as a client.","start":1210.095,"end":1219.395,"sentiment":"neutral","sentiment_score":0.326124166448911},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1220.015,"end":1224.3351,"sentiment":"neutral","sentiment_score":0.08841662170986335},{"text":"It stays exactly the same.","start":1224.3351,"end":1226.55,"sentiment":"positive","sentiment_score":0.3436524569988251}],"sentiment":"neutral","sentiment_score":0.2755239534823374,"num_words":87,"start":1196.06,"end":1226.55},{"sentences":[{"text":"Because your wife is a client, that is staying the same at that reduced rate of 1.1% from super.","start":1226.71,"end":1233.77,"sentiment":"neutral","sentiment_score":0.26929086289907755},{"text":"No changes in regards to that.","start":1234.23,"end":1236.25,"sentiment":"neutral","sentiment_score":0.11614828556776047},{"text":"And there should also be there might be a tax file number opt in compliance form as well that ask you to sign.","start":1237.35,"end":1245.5249,"sentiment":"neutral","sentiment_score":0.11963991270117137},{"text":"Can you see those?","start":1248.065,"end":1249.365,"sentiment":"neutral","sentiment_score":0.019017592538148165},{"text":"Or it might just be the ongoing.","start":1253.36,"end":1255.14,"sentiment":"neutral","sentiment_score":0.002839049058301108}],"sentiment":"neutral","sentiment_score":0.146797929053842,"num_words":59,"start":1226.71,"end":1255.14},{"sentences":[{"text":"Yes?","start":1257.52,"end":1258.02,"sentiment":"neutral","sentiment_score":0.024868194013834},{"text":"Okay.","start":1260.32,"end":1260.7999,"sentiment":"neutral","sentiment_score":0.08105358481407166},{"text":"Yep.","start":1260.7999,"end":1261.28,"sentiment":"neutral","sentiment_score":0.14672839641571045},{"text":"Perfect.","start":1261.28,"end":1261.78,"sentiment":"neutral","sentiment_score":0.23570305109024048},{"text":"Sorry.","start":1263.9349,"end":1264.4349,"sentiment":"neutral","sentiment_score":-0.035911425948143005}],"sentiment":"neutral","sentiment_score":0.09048836007714271,"num_words":5,"start":1257.52,"end":1264.4349},{"sentences":[{"text":"Yeah.","start":1267.855,"end":1268.175,"sentiment":"neutral","sentiment_score":0.07032351940870285},{"text":"Yep.","start":1268.175,"end":1268.675,"sentiment":"neutral","sentiment_score":0.08328401297330856},{"text":"And as with anything, it's not a lock in contract at any point in time, but at least this lets us, you know, keep servicing you and everything in in the meantime.","start":1269.855,"end":1279.02,"sentiment":"neutral","sentiment_score":0.10784542898181826},{"text":"And once you've yep.","start":1279.32,"end":1282.2999,"sentiment":"neutral","sentiment_score":0.03274416318163276},{"text":"And then once you've added the signature, it should I think it says, oh, yep.","start":1283.72,"end":1288.775,"sentiment":"neutral","sentiment_score":0.06918701802690824}],"sentiment":"neutral","sentiment_score":0.09006496571566698,"num_words":53,"start":1267.855,"end":1288.775},{"sentences":[{"text":"I've actually already got a notification.","start":1288.775,"end":1290.395,"sentiment":"neutral","sentiment_score":0.08647490416963895},{"text":"Great.","start":1291.015,"end":1291.335,"sentiment":"positive","sentiment_score":0.45643115043640137},{"text":"When technology works fast.","start":1291.335,"end":1292.875,"sentiment":"neutral","sentiment_score":0.32741309702396393},{"text":"Yes.","start":1296.0549,"end":1296.535,"sentiment":"neutral","sentiment_score":0.1539517641067505},{"text":"Perfect.","start":1296.535,"end":1297.035,"sentiment":"positive","sentiment_score":0.3586902618408203}],"sentiment":"neutral","sentiment_score":0.21519807611520475,"num_words":13,"start":1288.775,"end":1297.035},{"sentences":[{"text":"Now this is saved as well for you, so you can download them if you would like.","start":1297.1749,"end":1301.355,"sentiment":"neutral","sentiment_score":0.23995895420803742},{"text":"If not, I always have a copy on the file.","start":1301.64,"end":1303.9601,"sentiment":"neutral","sentiment_score":0.095600775629282},{"text":"So if at any point in time you want me to send them to you, I have everything on file for you.","start":1303.9601,"end":1308.78,"sentiment":"neutral","sentiment_score":0.19663972813974728},{"text":"That was essentially everything I needed to to kind of check on with you today, Anthony.","start":1310.76,"end":1315.3049,"sentiment":"positive","sentiment_score":0.33735751919448376},{"text":"Do you have any other questions, or was there anything else you wanted to go through before I let you go?","start":1315.3049,"end":1319.965,"sentiment":"neutral","sentiment_score":0.05430792680098897}],"sentiment":"neutral","sentiment_score":0.18487872984693493,"num_words":86,"start":1297.1749,"end":1319.965},{"sentences":[{"text":"No?","start":1321.385,"end":1321.885,"sentiment":"neutral","sentiment_score":-0.054904431104660034},{"text":"Okay.","start":1322.0249,"end":1322.505,"sentiment":"positive","sentiment_score":0.4227348864078522},{"text":"Perfect.","start":1322.505,"end":1322.9049,"sentiment":"positive","sentiment_score":0.700320839881897},{"text":"Well, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, May 7 at 3PM.","start":1322.9049,"end":1329.1649,"sentiment":"positive","sentiment_score":0.651474996159474},{"text":"No problem.","start":1331.0688,"end":1331.7089,"sentiment":"positive","sentiment_score":0.4667687267065048}],"sentiment":"positive","sentiment_score":0.6081754709112233,"num_words":29,"start":1321.385,"end":1331.7089},{"sentences":[{"text":"We'll speak soon.","start":1331.7089,"end":1332.6888,"sentiment":"positive","sentiment_score":0.39142778515815735},{"text":"See you.","start":1334.1089,"end":1334.5088,"sentiment":"neutral","sentiment_score":0.29763613641262054},{"text":"Bye.","start":1334.5088,"end":1335.0088,"sentiment":"neutral","sentiment_score":-0.12399128079414368}],"sentiment":"neutral","sentiment_score":0.2742607245842616,"num_words":6,"start":1331.7089,"end":1335.0088}]}}]},{"alternatives":[{"transcript":"Hello. Anthony speaking. Yeah. Good. Thanks. How are you? Yep. Yeah. That's fine. Yeah. Anthony Zara. 1975. 16 Gibson Way, Caroline Springs. It's it's oh, it's been alright. It's fine. It's fine. Thought a little bit, but that's alright. Cool. Okay. No. Just to catch up and see how everything's going so it's closed. Uh-huh. Yep. Yep. Yeah. We've only we've got one. Yeah. But he's he's 18. So Yeah. Not really. A little bit, but not really. No. No. Yep. Yep. Mhmm. Oh, it's yes. But it's booked for roughly around that. So yeah. I do. Yes. Yes. Yep. Yeah. Around a 130, I think, or a $100,100 yeah. Yeah. Yes. I do. Yep. No. Yeah. Around that. Yep. No. No. No. Yes. Yeah. That's correct. No. No. No. We do have a will in place. Yeah. Yeah. Yeah. I think the last time we done, it would have been probably a year ago. So yeah. I'm pretty sure we did. Yes. Yeah. We yeah. We would have. Our our kids were or the older two were overrated, and I'm sure we would have. Yeah. Yes. That no. That's still booked in for the next for eight weeks time. So it just going to going to Europe. That's Europe's summer. Yep. If we get there, but anyway, that's another. We were flying into Dubai, but then into Rome, but we've changed that now. So we're going through Asia to run it. So yes. Yeah. Yes. Yes. Yeah. Yeah. That that's right. And just really yeah. That's all and consolidate, obviously, our super. So yeah. Mhmm. Yep. Yep. That's the goal. Yeah. Mhmm. Yep. Yes. Mhmm. No. It's saying high model. Is that what it was last time? Yeah. Yeah. Yeah. It'll either be buy more or hold and wait. It'll be yeah. Yes. I would say probably optimistic. Yeah. Yeah. Yes. Well, I assume it means you're willing you're willing to put your money where there is a bit of risk there, but your gain is larger. Yes. Yeah. Okay. Yes. I've just received I've just seen that of it. Yeah. I've just forwarded to my myself. Yeah. No. I'm I'm actually looking at them now. So Yes. Yes. I can. Yep. Sorry. What's sorry. Can you yes. I can see that. Yes. Sorry. I'm just I'm trying to download it, but my my computer's it's telling me. You're wanting to know what it so which one do you want me to open? Okay. Yep. Yeah. Okay. Yep. Mhmm. I can see the super insurance summary. Yep. Yeah. That's fine. Yes. Yeah. That's correct. Yes. Yes. No. That's fine. Mhmm. Okay. Yep. No. That's pretty straightforward. Yes. Yes. Yes. No codes. Yep. Yes. Uh-huh. Oh, that's good too. Yep. Mhmm. Yeah. 100%. Yes. That's fine. Look. It really and look. This time, anytime, like, any day, I can probably fit it in here. Afternoons for me is always gonna be better. So if I'm on-site, I'll be back in the office by this time. So mhmm. Yep. That's fine. Yeah. That'll be great. Just in case. Yes. No. No worries. Mhmm. No worries. I'm just seeing I've just seen I've gone page one of three. And on the third is sign. I don't know where validate and send completed yet. Okay. Two minutes. You'll get this. Yep. Yeah. Yeah. And I've and I've got a mistake. No worries. No. That'll be fine. Thanks. No worries. Thank you. See you later. 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Anthony speaking. Yeah. Good. Thanks.\n\nHow are you? Yep. Yeah. That's fine. Yeah.\n\nAnthony Zara. 1975. 16 Gibson Way, Caroline Springs. It's it's oh, it's been alright. It's fine.\n\nIt's fine. Thought a little bit, but that's alright. Cool. Okay. No.\n\nJust to catch up and see how everything's going so it's closed. Uh-huh. Yep. Yep. Yeah.\n\nWe've only we've got one. Yeah. But he's he's 18. So Yeah. Not really.\n\nA little bit, but not really. No. No. Yep. Yep.\n\nMhmm. Oh, it's yes. But it's booked for roughly around that. So yeah. I do.\n\nYes. Yes. Yep. Yeah. Around a 130, I think, or a $100,100 yeah.\n\nYeah. Yes. I do. Yep. No.\n\nYeah. Around that. Yep. No. No.\n\nNo. Yes. Yeah. That's correct. No.\n\nNo. No. We do have a will in place. Yeah. Yeah.\n\nYeah. I think the last time we done, it would have been probably a year ago. So yeah. I'm pretty sure we did. Yes.\n\nYeah. We yeah. We would have. Our our kids were or the older two were overrated, and I'm sure we would have. Yeah.\n\nYes. That no. That's still booked in for the next for eight weeks time. So it just going to going to Europe. That's Europe's summer.\n\nYep. If we get there, but anyway, that's another. We were flying into Dubai, but then into Rome, but we've changed that now. So we're going through Asia to run it. So yes.\n\nYeah. Yes. Yes. Yeah. Yeah.\n\nThat that's right. And just really yeah. That's all and consolidate, obviously, our super. So yeah. Mhmm.\n\nYep. Yep. That's the goal. Yeah. Mhmm.\n\nYep. Yes. Mhmm. No. It's saying high model.\n\nIs that what it was last time? Yeah. Yeah. Yeah. It'll either be buy more or hold and wait.\n\nIt'll be yeah. Yes. I would say probably optimistic. Yeah. Yeah.\n\nYes. Well, I assume it means you're willing you're willing to put your money where there is a bit of risk there, but your gain is larger. Yes. Yeah. Okay.\n\nYes. I've just received I've just seen that of it. Yeah. I've just forwarded to my myself. Yeah.\n\nNo. I'm I'm actually looking at them now. So Yes. Yes. I can.\n\nYep. Sorry. What's sorry. Can you yes. I can see that.\n\nYes. Sorry. I'm just I'm trying to download it, but my my computer's it's telling me. You're wanting to know what it so which one do you want me to open? Okay.\n\nYep. Yeah. Okay. Yep. Mhmm.\n\nI can see the super insurance summary. Yep. Yeah. That's fine. Yes.\n\nYeah. That's correct. Yes. Yes. No.\n\nThat's fine. Mhmm. Okay. Yep. No.\n\nThat's pretty straightforward. Yes. Yes. Yes. No codes.\n\nYep. Yes. Uh-huh. Oh, that's good too. Yep.\n\nMhmm. Yeah. 100%. Yes. That's fine.\n\nLook. It really and look. This time, anytime, like, any day, I can probably fit it in here. Afternoons for me is always gonna be better. So if I'm on-site, I'll be back in the office by this time.\n\nSo mhmm. Yep. That's fine. Yeah. That'll be great.\n\nJust in case. Yes. No. No worries. Mhmm.\n\nNo worries. I'm just seeing I've just seen I've gone page one of three. And on the third is sign. I don't know where validate and send completed yet. Okay.\n\nTwo minutes. You'll get this. Yep. Yeah. Yeah.\n\nAnd I've and I've got a mistake. No worries. No. That'll be fine. Thanks.\n\nNo worries. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.042640283703804016},{"text":"Anthony speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.03936399891972542},{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.28524088859558105},{"text":"Good.","start":6.7999997,"end":7.04,"sentiment":"positive","sentiment_score":0.5923998355865479},{"text":"Thanks.","start":7.04,"end":7.3599997,"sentiment":"positive","sentiment_score":0.6156398057937622}],"sentiment":"neutral","sentiment_score":0.269108135253191,"num_words":6,"start":0.88,"end":7.3599997},{"sentences":[{"text":"How are 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that.","start":775.175,"end":775.89496,"sentiment":"neutral","sentiment_score":0.010442545870319009}],"sentiment":"neutral","sentiment_score":-0.006128224036232991,"num_words":11,"start":758.02,"end":775.89496},{"sentences":[{"text":"Yes.","start":775.89496,"end":776.25,"sentiment":"neutral","sentiment_score":0.018637655302882195},{"text":"Sorry.","start":777.21,"end":777.61,"sentiment":"neutral","sentiment_score":0.029226012527942657},{"text":"I'm just I'm trying to download it, but my my computer's it's telling me.","start":777.61,"end":784.91,"sentiment":"neutral","sentiment_score":-0.08470705351127046},{"text":"You're wanting to know what it so which one do you want me to open?","start":784.97,"end":787.47,"sentiment":"neutral","sentiment_score":-0.04516343797246615},{"text":"Okay.","start":790.465,"end":790.965,"sentiment":"neutral","sentiment_score":-0.02840154245495796}],"sentiment":"neutral","sentiment_score":-0.05762150604277849,"num_words":32,"start":775.89496,"end":790.965},{"sentences":[{"text":"Yep.","start":798.945,"end":799.445,"sentiment":"neutral","sentiment_score":0.07694869488477707},{"text":"Yeah.","start":802.865,"end":803.365,"sentiment":"neutral","sentiment_score":-0.0016993377357721329},{"text":"Okay.","start":803.665,"end":803.985,"sentiment":"neutral","sentiment_score":0.06696683913469315},{"text":"Yep.","start":803.985,"end":804.42,"sentiment":"neutral","sentiment_score":0.08906899392604828},{"text":"Mhmm.","start":819.585,"end":820.085,"sentiment":"neutral","sentiment_score":0.07059423625469208}],"sentiment":"neutral","sentiment_score":0.06037588529288769,"num_words":5,"start":798.945,"end":820.085},{"sentences":[{"text":"I can see the super insurance summary.","start":829.05,"end":831.31,"sentiment":"neutral","sentiment_score":0.08952441598687853},{"text":"Yep.","start":837.21,"end":837.71,"sentiment":"neutral","sentiment_score":0.13686755299568176},{"text":"Yeah.","start":875.425,"end":875.745,"sentiment":"neutral","sentiment_score":0.12385886907577516},{"text":"That's fine.","start":875.745,"end":876.645,"sentiment":"neutral","sentiment_score":0.22021882981061935},{"text":"Yes.","start":885.02,"end":885.52,"sentiment":"neutral","sentiment_score":0.14549048244953156}],"sentiment":"neutral","sentiment_score":0.12277712300419807,"num_words":12,"start":829.05,"end":885.52},{"sentences":[{"text":"Yeah.","start":890.38,"end":890.62,"sentiment":"neutral","sentiment_score":0.20275481045246124},{"text":"That's correct.","start":890.62,"end":891.36,"sentiment":"neutral","sentiment_score":0.24417995661497116},{"text":"Yes.","start":911.745,"end":912.245,"sentiment":"neutral","sentiment_score":-0.0029621622525155544},{"text":"Yes.","start":919.38,"end":919.88,"sentiment":"neutral","sentiment_score":0.07228162884712219},{"text":"No.","start":920.34,"end":920.58,"sentiment":"neutral","sentiment_score":0.006103161722421646}],"sentiment":"neutral","sentiment_score":0.12775622533323863,"num_words":6,"start":890.38,"end":920.58},{"sentences":[{"text":"That's fine.","start":920.58,"end":921.4,"sentiment":"positive","sentiment_score":0.41024060547351837},{"text":"Mhmm.","start":942.72,"end":943.22,"sentiment":"neutral","sentiment_score":0.090573288500309},{"text":"Okay.","start":948.0,"end":948.39996,"sentiment":"neutral","sentiment_score":0.13663926720619202},{"text":"Yep.","start":948.39996,"end":948.89996,"sentiment":"neutral","sentiment_score":0.15286719799041748},{"text":"No.","start":952.39996,"end":952.64,"sentiment":"neutral","sentiment_score":-0.004704605787992477}],"sentiment":"neutral","sentiment_score":0.19930939314266047,"num_words":6,"start":920.58,"end":952.64},{"sentences":[{"text":"That's pretty straightforward.","start":952.64,"end":953.7,"sentiment":"neutral","sentiment_score":0.0714247760673364},{"text":"Yes.","start":967.655,"end":968.135,"sentiment":"neutral","sentiment_score":0.09404619038105012},{"text":"Yes.","start":968.135,"end":968.635,"sentiment":"neutral","sentiment_score":0.10279856622219086},{"text":"Yes.","start":976.4,"end":976.8,"sentiment":"neutral","sentiment_score":0.052485909312963486},{"text":"No codes.","start":976.8,"end":977.54004,"sentiment":"neutral","sentiment_score":0.03202215861529112}],"sentiment":"neutral","sentiment_score":0.06595616391859949,"num_words":8,"start":952.64,"end":977.54004},{"sentences":[{"text":"Yep.","start":985.835,"end":986.335,"sentiment":"neutral","sentiment_score":0.09872900694608688},{"text":"Yes.","start":991.355,"end":991.855,"sentiment":"neutral","sentiment_score":0.12513989210128784},{"text":"Uh-huh.","start":1006.17,"end":1006.67,"sentiment":"neutral","sentiment_score":0.05361460521817207},{"text":"Oh, that's good too.","start":1021.405,"end":1022.625,"sentiment":"neutral","sentiment_score":0.3260519988834858},{"text":"Yep.","start":1023.085,"end":1023.585,"sentiment":"positive","sentiment_score":0.46006399393081665}],"sentiment":"neutral","sentiment_score":0.25521943671628833,"num_words":8,"start":985.835,"end":1023.585},{"sentences":[{"text":"Mhmm.","start":1038.13,"end":1038.63,"sentiment":"neutral","sentiment_score":0.0019714850932359695},{"text":"Yeah.","start":1060.5,"end":1060.8201,"sentiment":"neutral","sentiment_score":0.10213781148195268},{"text":"100%.","start":1060.8201,"end":1061.64,"sentiment":"neutral","sentiment_score":0.1315326690673828},{"text":"Yes.","start":1109.765,"end":1110.0851,"sentiment":"neutral","sentiment_score":0.13934475183486938},{"text":"That's fine.","start":1110.0851,"end":1110.8251,"sentiment":"neutral","sentiment_score":0.20324458181858063}],"sentiment":"neutral","sentiment_score":0.13024598018576702,"num_words":6,"start":1038.13,"end":1110.8251},{"sentences":[{"text":"Look.","start":1135.2949,"end":1135.7949,"sentiment":"neutral","sentiment_score":0.08126619458198547},{"text":"It really and look.","start":1136.095,"end":1139.455,"sentiment":"neutral","sentiment_score":0.09157686866819859},{"text":"This time, anytime, like, any day, I can probably fit it in here.","start":1139.455,"end":1143.82,"sentiment":"neutral","sentiment_score":0.10828402638435364},{"text":"Afternoons for me is always gonna be better.","start":1144.92,"end":1147.26,"sentiment":"neutral","sentiment_score":0.07777812331914902},{"text":"So if I'm on-site, I'll be back in the office by this time.","start":1147.7999,"end":1155.625,"sentiment":"neutral","sentiment_score":0.07894451056535427}],"sentiment":"neutral","sentiment_score":0.08984024708087628,"num_words":39,"start":1135.2949,"end":1155.625},{"sentences":[{"text":"So mhmm.","start":1155.625,"end":1163.965,"sentiment":"neutral","sentiment_score":0.056698260828852654},{"text":"Yep.","start":1168.93,"end":1169.43,"sentiment":"neutral","sentiment_score":0.08912444114685059},{"text":"That's fine.","start":1169.4901,"end":1170.31,"sentiment":"neutral","sentiment_score":0.1625407636165619},{"text":"Yeah.","start":1182.915,"end":1183.155,"sentiment":"positive","sentiment_score":0.48621034622192383},{"text":"That'll be great.","start":1183.155,"end":1184.195,"sentiment":"positive","sentiment_score":0.7233408490816752}],"sentiment":"positive","sentiment_score":0.3537594870560699,"num_words":9,"start":1155.625,"end":1184.195},{"sentences":[{"text":"Just in case.","start":1184.195,"end":1184.995,"sentiment":"neutral","sentiment_score":0.30816302200158435},{"text":"Yes.","start":1184.995,"end":1185.495,"sentiment":"neutral","sentiment_score":0.13086672127246857},{"text":"No.","start":1194.515,"end":1194.835,"sentiment":"neutral","sentiment_score":0.06979461759328842},{"text":"No worries.","start":1194.835,"end":1195.575,"sentiment":"neutral","sentiment_score":0.08209028095006943},{"text":"Mhmm.","start":1210.98,"end":1211.48,"sentiment":"neutral","sentiment_score":0.21674475073814392}],"sentiment":"neutral","sentiment_score":0.1882594646885991,"num_words":8,"start":1184.195,"end":1211.48},{"sentences":[{"text":"No worries.","start":1234.26,"end":1235.0,"sentiment":"neutral","sentiment_score":0.1312331110239029},{"text":"I'm just seeing I've just seen I've gone page one of three.","start":1247.635,"end":1256.69,"sentiment":"neutral","sentiment_score":0.012873867060989141},{"text":"And on the third is sign.","start":1258.11,"end":1259.89,"sentiment":"neutral","sentiment_score":0.021847409506638844},{"text":"I don't know where validate and send completed yet.","start":1263.63,"end":1267.07,"sentiment":"neutral","sentiment_score":-0.012098743544710387},{"text":"Okay.","start":1267.07,"end":1267.57,"sentiment":"neutral","sentiment_score":0.046290598809719086}],"sentiment":"neutral","sentiment_score":0.016181299690894473,"num_words":30,"start":1234.26,"end":1267.57},{"sentences":[{"text":"Two minutes.","start":1279.565,"end":1280.225,"sentiment":"neutral","sentiment_score":0.022912241518497467},{"text":"You'll get this.","start":1280.285,"end":1281.06,"sentiment":"neutral","sentiment_score":0.044322640945514045},{"text":"Yep.","start":1281.06,"end":1281.56,"sentiment":"neutral","sentiment_score":0.0832725539803505},{"text":"Yeah.","start":1287.0675,"end":1287.5675,"sentiment":"neutral","sentiment_score":0.048766400665044785},{"text":"Yeah.","start":1293.3949,"end":1293.715,"sentiment":"neutral","sentiment_score":0.009318621829152107}],"sentiment":"neutral","sentiment_score":0.040018747793510556,"num_words":8,"start":1279.565,"end":1293.715},{"sentences":[{"text":"And I've and I've got a mistake.","start":1293.715,"end":1295.4149,"sentiment":"neutral","sentiment_score":-0.14358329560075486},{"text":"No worries.","start":1309.3301,"end":1309.91,"sentiment":"neutral","sentiment_score":0.2589174136519432},{"text":"No.","start":1320.355,"end":1320.595,"sentiment":"neutral","sentiment_score":-0.17769967019557953},{"text":"That'll be fine.","start":1320.595,"end":1321.475,"sentiment":"neutral","sentiment_score":-0.020967741807301838},{"text":"Thanks.","start":1321.475,"end":1321.975,"sentiment":"positive","sentiment_score":0.39617758989334106}],"sentiment":"neutral","sentiment_score":-0.023690967687538693,"num_words":14,"start":1293.715,"end":1321.975},{"sentences":[{"text":"No worries.","start":1329.5789,"end":1330.1389,"sentiment":"positive","sentiment_score":0.4234161227941513},{"text":"Thank you.","start":1330.1389,"end":1330.8789,"sentiment":"positive","sentiment_score":0.6885848641395569},{"text":"See you later.","start":1332.7789,"end":1333.4188,"sentiment":"positive","sentiment_score":0.42249125242233276},{"text":"Bye.","start":1333.4188,"end":1333.9188,"sentiment":"neutral","sentiment_score":0.2585608661174774}],"sentiment":"positive","sentiment_score":0.4687545746564865,"num_words":8,"start":1329.5789,"end":1333.9188}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Anthony speaking.\n\nChannel 0: Good afternoon, Anthony. This is Veronica from Acute Financial. How are you?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: Good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. And just for security purposes, just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Anthony Zara. 1975.\n\nChannel 0: Yep.\n\nChannel 1: 16 Gibson Way, Caroline Springs.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your day been? Been busy?\n\nChannel 1: It's it's oh, it's been alright.\n\nChannel 0: Yeah. That's good. That's good.\n\nChannel 1: It's\n\nChannel 0: Do\n\nChannel 1: fine.\n\nChannel 0: you have\n\nChannel 1: It's\n\nChannel 0: much left left to do for the day?\n\nChannel 1: fine. Thought a little bit, but that's alright.\n\nChannel 0: Yeah.\n\nChannel 1: Cool. Okay.\n\nChannel 0: Well, I will try not to keep you for too long, Anthony. But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any areas you are, you know, hoping for me to address a little bit more or just a bit of a catch up and see how everything's going?\n\nChannel 1: No. Just to catch up and see how everything's going so it's closed.\n\nChannel 0: Yeah. Perfect. Now what I'll do first is just run through a bit of an updated back line with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as married.\n\nIs that still the case?\n\nChannel 1: Uh-huh. Yep. Yep.\n\nChannel 0: K. Perfect. Now last time we spoke last year, you had three children at home, but two were kind of moving out shortly after we spoke. Do you have one living at home at the moment?\n\nChannel 1: Yeah. We've only we've got one. Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: But\n\nChannel 0: Perfect.\n\nChannel 1: he's he's 18. So\n\nChannel 0: Okay. Perfect. Is he still, like, relying on you guys kind financially and stuff? Like, what does he need a little bit of support from you guys? Or\n\nChannel 1: Yeah. Not\n\nChannel 0: like\n\nChannel 1: really.\n\nChannel 0: no?\n\nChannel 1: A little bit, but not really.\n\nChannel 0: Yeah. Oh, well, that's good. Otherwise, when it comes to employment, has anything changed in the area for you?\n\nChannel 1: No. No.\n\nChannel 0: Nope. Perfect. Income, I have about $1.80.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Otherwise, when it comes to assets and liabilities, I have your property was last valued at about 1,000,000 with nothing owing. Is that\n\nChannel 1: Mhmm.\n\nChannel 0: still the case, or has that gone up a little bit? Do you know?\n\nChannel 1: Oh, it's yes. But it's booked for roughly around that. So\n\nChannel 0: Roughly the same? Yeah.\n\nChannel 1: yeah.\n\nChannel 0: And do you still have the holiday home as well?\n\nChannel 1: I do. Yes.\n\nChannel 0: Perfect. Valed at about $7.50.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. And about 150 owing.\n\nChannel 1: Yeah. Around a 130, I\n\nChannel 0: About\n\nChannel 1: think, or a $100,100\n\nChannel 0: hun 130?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yep. Perfect. Do you also have the boat still?\n\nChannel 1: Yes. I do. Yep.\n\nChannel 0: Perfect. About 20 with nothing owing?\n\nChannel 1: No. Yeah. Around that. Yep.\n\nChannel 0: Yep. Perfect. Do you have any other new assets, any motor vehicles or motorbikes\n\nChannel 1: No.\n\nChannel 0: or savings in the bank or anything?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Any other liabilities, like credit card, personal loans?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Now health and lifestyle wise, I do have here that you do have private health insurance\n\nChannel 1: Yes.\n\nChannel 0: and a nonsmoker. Is that correct?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Perfect. Have you had any changes to your health otherwise in the last twelve months? Any new\n\nChannel 1: No.\n\nChannel 0: illnesses or injuries? No. Perfect.\n\nChannel 1: No.\n\nChannel 0: And estate planning wise, I do have here Rachel as your beneficiary. So if something were to happen to you, it would go to her. And you guys don't have a will in place or anything. Is that all correct?\n\nChannel 1: No. We do have a will in place. Yeah.\n\nChannel 0: You do have? Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And is that pretty up to date?\n\nChannel 1: Yeah. I think the last time we done, it would have been probably a year ago. So yeah.\n\nChannel 0: Ah, yeah. Great. And do you know when you guys got the rule if you made a power of attorney nomination if something ever were to happen as well?\n\nChannel 1: I'm pretty sure we did. Yes.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Yeah. We yeah. We would have. Our our kids were or the older two were overrated, and I'm sure we would have. Yeah.\n\nChannel 0: Great. Yeah. Perfect. Now I guess when it comes to kind of goals, stuff that you're working towards that you are kind of wanting to achieve in the next twelve months. So when we spoke to you last year, your main focus at the time was to focus on paying off the holiday home, and then you had a Europe trip planned this year.\n\nHave you\n\nChannel 1: Yes.\n\nChannel 0: guys\n\nChannel 1: That\n\nChannel 0: been, or is that on the cards?\n\nChannel 1: no. That's still booked in for the next for eight weeks time. So\n\nChannel 0: Beautiful. And where\n\nChannel 1: it\n\nChannel 0: are you guys going?\n\nChannel 1: just going to going to Europe. That's Europe's\n\nChannel 0: Yep.\n\nChannel 1: summer. Yep.\n\nChannel 0: Beautiful. That's the best time to go.\n\nChannel 1: If we get there, but anyway, that's\n\nChannel 0: Yeah.\n\nChannel 1: another.\n\nChannel 0: Where are you where are you flying into?\n\nChannel 1: We were flying into Dubai, but\n\nChannel 0: Oh, yeah.\n\nChannel 1: then into Rome, but we've\n\nChannel 0: Yeah.\n\nChannel 1: changed that now. So we're going through Asia to run it.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: It's a bit of a pain because my my family lives over in Sweden, and they\n\nChannel 1: yes.\n\nChannel 0: are planning to come and visit at the at the end of the year around October. And it's it's it's a lot like that where where you're going, where you're traveling from. A lot of to Sweden is through Singapore, so you can fly to Singapore and then Singapore straight to, like, Sweden or Copenhagen, but they\n\nChannel 1: Yeah.\n\nChannel 0: sell out the fastest. So it's really hard to get them because that's obviously the fastest way. So I've had people going, like you, through through Asia or even some through America that way.\n\nChannel 1: Yes.\n\nChannel 0: They're just trying\n\nChannel 1: Yes.\n\nChannel 0: to get to Europe. So it's a bit of a bit of a tricky situation, but, hopefully, you guys get there okay.\n\nChannel 1: Yeah.\n\nChannel 0: Otherwise, it's the main focus to kind of aside from, obviously, the the lovely holiday, just continue to pay off the holiday home.\n\nChannel 1: Yeah. That that's right. And just\n\nChannel 0: Yep.\n\nChannel 1: really yeah. That's all and consolidate, obviously, our super. So\n\nChannel 0: Yep. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: And talking about superannuation, I have here\n\nChannel 1: Mhmm.\n\nChannel 0: that, ideally, you would like to retire at about age 65 with an\n\nChannel 1: Yep.\n\nChannel 0: income of about 1,200 a week.\n\nChannel 1: Yep. That's the goal.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And I guess when it comes to your superannuation focus, it's just to try to focus on growing that to get as much wealth as possible by the time you turn 65. Is that still kind of the fruit?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Perfect. And I guess with that as well, the next thing I do wanna run over with you, Anthony, is just a bit of an updated risk profile questionnaire\n\nChannel 1: Yes.\n\nChannel 0: to see if your risk tolerance or anything has changed and you wanna make any changes to it. So\n\nChannel 1: Mhmm.\n\nChannel 0: just bear with me as I go through these questions. Now thinking about your superannuation, in terms of how much risk you are willing to take, in order to make sure that it continues to, you know, go up and above inflation and increasing prices, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk?\n\nChannel 1: No. It's saying high model.\n\nChannel 0: High to moderate. Okay. Perfect. And\n\nChannel 1: Is that what it was last time?\n\nChannel 0: yes. Yes. Exactly\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that.\n\nChannel 1: Yeah.\n\nChannel 0: And when it comes to volatility, so if you ever were to place an investment and then after six months of investing, you noticed that the portfolio was down 20% due to kind of general trends in the market. Would you wanna take advantage of the drop in prices by thinking that now is a good time to invest a bit more, or just kind of hold, wait to see what happens? Or would you wanna sell and move through something a little bit more secure, but that means you are then selling with the prices have already dropped?\n\nChannel 1: It'll either be buy more or\n\nChannel 0: Yep.\n\nChannel 1: hold and wait. It'll\n\nChannel 0: Yep. Perfect. Yep.\n\nChannel 1: be\n\nChannel 0: And last one here is if you did see some fluctuations in your superannuation\n\nChannel 1: yeah.\n\nChannel 0: at any point or any investment really, the last twelve months, we have seen a bit of fluctuations. First, obviously, you had everything in The US with Trump and tariffs and everything that we did see a bit of fluctuation. And, obviously, more recently with the war as well, we have seen a bit of fluctuation in the market. If it\n\nChannel 1: Yes.\n\nChannel 0: is something that you kind of noticed or even go back to COVID when we saw a bit of a drop, would you say that seeing seeing a bit of fluctuation in your super would make you feel optimistic about potential opportunities, a bit more kind of neutral, not making further investment, concerned, or highly anxious?\n\nChannel 1: I would say probably optimistic. Yeah.\n\nChannel 0: Optimistic. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And would you ever consider taking out a loan to invest in stocks or funds or just kind of potentially for, like, an investment property and stuff.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now that tells me here, Anthony, that you have come out as a growth investor, and it is the portfolio that we currently have you invested in. Do you remember what a growth investor is at all, what it means?\n\nChannel 1: Well, I assume it means you're willing you're willing to put your money where there is a bit of risk there, but your gain is larger.\n\nChannel 0: Yes. So it is in a good position where you are not you're not being, like, an aggressive or super high risk. Just kind of in that that middle where you're still focusing on your growth and getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement. And you will see some short term fluctuations in order to achieve that growth. And when we are talking about an asset allocation, so how your money is invested, typically, we see about 80% in what we would call your growth assets.\n\nSo that will be things like Australian shares, international shares, as well as property and commodities. And that is what's going to grow and maximize that for you. And then about 20% in defensive. So, like, your cash, your gold, your fixed interest, we're trying to limit fluctuations a little bit. Time frame wise, so making sure you have enough time in the market for those fluctuations.\n\nIn a growth\n\nChannel 1: Yes.\n\nChannel 0: portfolio, we wanna allow six years until the time. So from\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Okay.\n\nChannel 0: time frame point of view, you are in a good position of trying to grow that as long as you are still comfortable with the same level of risk and everything. Yep.\n\nChannel 1: Yes.\n\nChannel 0: Great. Perfect. Now last thing here, Anthony, is do you have access to your emails at the moment?\n\nChannel 1: I've just received I've just seen that of it. Yeah. I've just forwarded\n\nChannel 0: Yes.\n\nChannel 1: to my myself. Yeah.\n\nChannel 0: Yep. Perfect. If you have the option of accessing them, I can run it through with you. But if you can't, I\n\nChannel 1: No.\n\nChannel 0: can always\n\nChannel 1: I'm I'm actually looking at them now. So\n\nChannel 0: know. Oh, sweet. Perfect. So you may have seen we've recently changed our software a little bit, so it might look\n\nChannel 1: Yes.\n\nChannel 0: a little bit different through what I did last year. But, essentially, when you click on the email now before you click on the link where it says to sign now,\n\nChannel 1: Yes.\n\nChannel 0: at the bottom of the email, can you see a couple of attachment?\n\nChannel 1: I can. Yep.\n\nChannel 0: Yes. Perfect. So you should have your first through is where it says o q services guide and financial services guide version four. Can you see those two?\n\nChannel 1: Sorry. What's sorry. Can you yes. I can see that. Yes.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Sorry.\n\nChannel 0: Now\n\nChannel 1: I'm just\n\nChannel 0: I'll\n\nChannel 1: I'm trying to download it, but my my computer's it's\n\nChannel 0: No.\n\nChannel 1: telling\n\nChannel 0: That's\n\nChannel 1: me.\n\nChannel 0: okay.\n\nChannel 1: You're wanting to know what it so which one do you want me to open?\n\nChannel 0: Neither of those two, actually, because\n\nChannel 1: Okay.\n\nChannel 0: I'll get you to have a you can if you want to, but they are just kind of an updated version of their their financial services guide. It\n\nChannel 1: Yep.\n\nChannel 0: is one of those compliance documents we would we would have gone through with you a couple of\n\nChannel 1: Yeah.\n\nChannel 0: times.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. So nothing major has changed. When you do have a look at them, you will see we've had a bit of a change to marketing, which is nice, and a bit of an extension to the team as well. Otherwise, all the important information is all the same. So I'll let you have\n\nChannel 1: Mhmm.\n\nChannel 0: a read over them in your own time. What is the next document you can see?\n\nChannel 1: I can see the super insurance summary.\n\nChannel 0: Yep. If you wanna open that one for me, that'll be great.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this one here shows you a bit of a summary of your situation, but you can see here that you have your superannuation with hub twenty four. And you do have about $436,803 in there. Now underneath it, you can then see your insurance with Cal. So for your life and total permanent disability insurance, you have 276,675.\n\nAre you still happy with that level of cover for those two?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. And I think when we spoke last, you were kind of well, if something were to happen that would pay off, you know,\n\nChannel 1: Yes.\n\nChannel 0: the mortgage or the holiday home and still leave a little bit of extra to support. So\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: that. Yeah. Now you also have an income protection policy. So that will pay 5,959 per month. You do have a thirteen day thirteen week waiting period.\n\nSorry. And it goes all the way to the up age of 65 benefit period.\n\nChannel 1: Yes.\n\nChannel 0: Now when it comes to your income protection as well, are you still happy with that level of cover, or or what\n\nChannel 1: Yes.\n\nChannel 0: are your thoughts?\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: That's fine.\n\nChannel 0: Perf perfect. Now those three paid inside super because you do get a 15% tax rebate is 3,247. And then you also have a split so that you do get a little bit of extra benefits as well by having a small portion paid outside super.\n\nChannel 1: Mhmm.\n\nChannel 0: And that premium is $12.97 a month.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Any questions with any of that, or that's pretty straightforward?\n\nChannel 1: No. That's pretty straightforward.\n\nChannel 0: No. Perfect. Now if you go back into the email, you should also see and I won't get you to open that, but you should have three where it says TAO certificate of currency and then TAO, CRC IP.\n\nChannel 1: Yes.\n\nChannel 0: That just\n\nChannel 1: Yes.\n\nChannel 0: breaks down the insurances we just kind of touched on just in a little bit more detail but just let you know that's all paid and up to date for you.\n\nChannel 1: Yes. No codes.\n\nChannel 0: Yep. Perfect. And the other one is your twelve month hub twenty four performance report.\n\nChannel 1: Yep.\n\nChannel 0: If you wanna open that for me.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now this one here gives you a breakdown of what's happened in your portfolio in the last twelve months. So kinda like I touched on a little bit earlier, we've obviously had a bit of fluctuations in the last twelve months.\n\nChannel 1: Uh-huh.\n\nChannel 0: But despite all of that, your portfolio has done really well. So in the last twelve months, after all fees, your portfolio has still gone up by 11.57%,\n\nChannel 1: Oh,\n\nChannel 0: which\n\nChannel 1: that's\n\nChannel 0: is\n\nChannel 1: good\n\nChannel 0: really\n\nChannel 1: too.\n\nChannel 0: good, yeah,\n\nChannel 1: Yep.\n\nChannel 0: really good in today's market condition. Now I do wanna point out that, obviously, with investment, things are always changing, and it is good to do a bit of, you know, research and stuff on your investments all the time because there's always\n\nChannel 1: Mhmm.\n\nChannel 0: things that could potentially change. So we and the investment committee do a lot of research on the investments. And after kind of deep diving a little bit into one of And after kind of deep diving a little bit into one of your investments, which is your Benelon Australian Equities, we are looking at potentially swapping this one for another option if you are happy for me to do that research.\n\nChannel 1: Yeah. 100%.\n\nChannel 0: Yeah. Great. Perfect. The reason being is, Belle, is that investment was added to your portfolio. It is a managed fund, and the purpose was through actively buying, sell different investments in order to try to outperform the market.\n\nWhen you came on board and for a lot of the time, they were one of the best performing fund managers and had done really well. More recently, we have found they've kind of underperformed a little bit. And if it's when we do the research and we should see them being a bit slower with making investment choices or it might not be the best option for you moving forward, we definitely obviously wanna have that approach where we can do a bit more research and look to change it if there's better options out there through making sure that we always have you in the best position possible.\n\nChannel 1: Yes. That's fine.\n\nChannel 0: So Yeah. So I will go and do some research on the investment there for you, and I will then put together a bit of a proposal if I find something more suitable. Now it will take me about a week to put all of that together. When is a good time for you to kind of quickly run through that with me over the phone?\n\nChannel 1: Look. It really and look. This time, anytime, like, any day, I can probably fit it in here.\n\nChannel 0: Okay. Let\n\nChannel 1: Afternoons\n\nChannel 0: me have\n\nChannel 1: for\n\nChannel 0: a look.\n\nChannel 1: me is always gonna be better.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Perfect. Let me have a look.\n\nChannel 1: if I'm on-site, I'll be back in\n\nChannel 0: Yes.\n\nChannel 1: the office by this time. So\n\nChannel 0: Okay. Well, I probably could do this time, so 3PM,\n\nChannel 1: mhmm.\n\nChannel 0: on Thursday May 7. Would that work for you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yeah? Okay. Perfect. So that is all booked in on Thursday, May 7. Would you like a reminder text sent, like, an hour or two before the appointment in case anything comes up for you?\n\nChannel 1: Yeah. That'll be great. Just in\n\nChannel 0: Yeah.\n\nChannel 1: case. Yes.\n\nChannel 0: Yeah. And and if anything does change with work or anything like that and you can't make it, just let me know, and I'll see if I can shuffle a few things around for you.\n\nChannel 1: No. No worries.\n\nChannel 0: Yeah. I see. Now the last thing before I let you go and enjoy the rest of your afternoon, Anthony, is if you then click on the link where it says sign now, it will ask you to sign through documents, I believe, if you are happy to do so. And\n\nChannel 1: Mhmm.\n\nChannel 0: that is your ongoing service agreement just to say that you're happy to remain and stay on as a client. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same. Because your wife is a client, that is staying the same at that reduced rate of 1.1% from super. No\n\nChannel 1: No\n\nChannel 0: changes\n\nChannel 1: worries.\n\nChannel 0: in regards to that. And there should also be there might be a tax file number opt in compliance form as well that ask you to sign.\n\nChannel 1: I'm just\n\nChannel 0: Can\n\nChannel 1: seeing\n\nChannel 0: you see those?\n\nChannel 1: I've just seen I've gone\n\nChannel 0: Or it might just be the ongoing.\n\nChannel 1: page one of three.\n\nChannel 0: Yes?\n\nChannel 1: And on the third is sign.\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: I don't\n\nChannel 0: Sorry.\n\nChannel 1: know where validate and send completed yet. Okay.\n\nChannel 0: Yeah. Yep. And as with anything, it's not a lock in contract at any point in time, but at least this lets us, you know, keep servicing you and everything in in the meantime. And\n\nChannel 1: Two minutes.\n\nChannel 0: once you've\n\nChannel 1: You'll get this. Yep.\n\nChannel 0: yep. And then once you've added the signature, it should I think it says,\n\nChannel 1: Yeah.\n\nChannel 0: oh, yep. I've actually already got a notification. Great. When technology works fast.\n\nChannel 1: Yeah. And I've and I've got a mistake.\n\nChannel 0: Yes. Perfect. Now this is saved as well for you, so you can download them if you would like. If not, I always have a copy on the file. So if at any point in time you want me to send them to you, I have everything on file for you.\n\nChannel 1: No worries.\n\nChannel 0: That was essentially everything I needed to to kind of check on with you today, Anthony. Do you have any other questions, or was there anything else you wanted to go through before I let you go?\n\nChannel 1: No. That'll be fine.\n\nChannel 0: No?\n\nChannel 1: Thanks.\n\nChannel 0: Okay. Perfect. Well, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, May 7 at 3PM.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: See you later. Bye.\n\nChannel 0: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.042640283703804016},{"text":"Anthony speaking.","start":1.1999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.03936399891972542}],"sentiment":"neutral","sentiment_score":0.04045609384775162,"channel":1,"num_words":3,"start":0.88,"end":2.1},{"sentences":[{"text":"Good afternoon, Anthony.","start":2.56,"end":3.6799998,"sentiment":"positive","sentiment_score":0.3912123541037242},{"text":"This is Veronica from Acute Financial.","start":3.6799998,"end":5.54,"sentiment":"neutral","sentiment_score":0.3191703309615453},{"text":"How are you?","start":5.6,"end":6.5,"sentiment":"neutral","sentiment_score":0.25988905628522235}],"sentiment":"neutral","sentiment_score":0.3223605180780093,"channel":0,"num_words":12,"start":2.56,"end":6.5},{"sentences":[{"text":"Yeah.","start":6.48,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.28524088859558105},{"text":"Good.","start":6.7999997,"end":7.04,"sentiment":"positive","sentiment_score":0.5923998355865479},{"text":"Thanks.","start":7.04,"end":7.3599997,"sentiment":"positive","sentiment_score":0.6156398057937622},{"text":"How are you?","start":7.3599997,"end":8.18,"sentiment":"positive","sentiment_score":0.39154788851737976}],"sentiment":"positive","sentiment_score":0.44465403258800507,"channel":1,"num_words":6,"start":6.48,"end":8.18},{"sentences":[{"text":"Good.","start":8.559999,"end":8.96,"sentiment":"positive","sentiment_score":0.5753682851791382},{"text":"Thanks.","start":8.96,"end":9.46,"sentiment":"positive","sentiment_score":0.6652868986129761},{"text":"I had you booked in to go over your annual review.","start":10.16,"end":12.48,"sentiment":"positive","sentiment_score":0.4420619715343822},{"text":"Is now still a good time for you?","start":12.48,"end":14.055,"sentiment":"positive","sentiment_score":0.37503329664468765},{"text":"Yep.","start":14.055,"end":14.555,"sentiment":"neutral","sentiment_score":0.09555195271968842}],"sentiment":"positive","sentiment_score":0.41814341802488675,"channel":0,"num_words":22,"start":8.559999,"end":14.555},{"sentences":[{"text":"Yep.","start":14.24,"end":14.74,"sentiment":"neutral","sentiment_score":0.13492369651794434}],"sentiment":"neutral","sentiment_score":0.13492369651794434,"channel":1,"num_words":1,"start":14.24,"end":14.74},{"sentences":[{"text":"Perfect.","start":15.815001,"end":16.315,"sentiment":"positive","sentiment_score":0.3949635624885559},{"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":16.615,"end":23.994999,"sentiment":"neutral","sentiment_score":0.012402839316376325}],"sentiment":"neutral","sentiment_score":0.025154863422115644,"channel":0,"num_words":30,"start":15.815001,"end":23.994999},{"sentences":[{"text":"Yeah.","start":24.634998,"end":24.875,"sentiment":"neutral","sentiment_score":0.11039122194051744},{"text":"That's fine.","start":24.875,"end":25.775,"sentiment":"neutral","sentiment_score":0.1548715978860855}],"sentiment":"neutral","sentiment_score":0.1400448059042295,"channel":1,"num_words":3,"start":24.634998,"end":25.775},{"sentences":[{"text":"Yep.","start":25.975,"end":26.34,"sentiment":"neutral","sentiment_score":0.14999572932720184},{"text":"Perfect.","start":26.5,"end":27.0,"sentiment":"neutral","sentiment_score":0.2939627766609192},{"text":"And just for security purposes, just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":27.22,"end":35.96,"sentiment":"neutral","sentiment_score":0.06886682646969954}],"sentiment":"neutral","sentiment_score":0.0784363531274721,"channel":0,"num_words":32,"start":25.975,"end":35.96},{"sentences":[{"text":"Yeah.","start":36.329998,"end":36.829998,"sentiment":"neutral","sentiment_score":0.013724016956984997},{"text":"Anthony Zara.","start":37.05,"end":38.35,"sentiment":"neutral","sentiment_score":0.008685687556862831},{"text":"1975.","start":38.57,"end":40.989998,"sentiment":"neutral","sentiment_score":0.01086166687309742}],"sentiment":"neutral","sentiment_score":0.01048926473595202,"channel":1,"num_words":4,"start":36.329998,"end":40.989998},{"sentences":[{"text":"Yep.","start":41.555,"end":42.055,"sentiment":"neutral","sentiment_score":0.016025885939598083}],"sentiment":"neutral","sentiment_score":0.016025885939598083,"channel":0,"num_words":1,"start":41.555,"end":42.055},{"sentences":[{"text":"16 Gibson Way, Caroline Springs.","start":43.934998,"end":45.954998,"sentiment":"neutral","sentiment_score":0.019703844375908375}],"sentiment":"neutral","sentiment_score":0.019703844375908375,"channel":1,"num_words":5,"start":43.934998,"end":45.954998},{"sentences":[{"text":"Yep.","start":46.355,"end":46.754997,"sentiment":"neutral","sentiment_score":0.08932235091924667},{"text":"Perfect.","start":46.754997,"end":47.235,"sentiment":"positive","sentiment_score":0.4329243004322052},{"text":"That's exactly what I have here.","start":47.235,"end":48.675,"sentiment":"positive","sentiment_score":0.46142497658729553},{"text":"How's your day been?","start":48.675,"end":49.715,"sentiment":"neutral","sentiment_score":0.16127585247159004},{"text":"Been busy?","start":49.715,"end":50.535,"sentiment":"neutral","sentiment_score":-0.024640029296278954}],"sentiment":"neutral","sentiment_score":0.2776157044406448,"channel":0,"num_words":14,"start":46.355,"end":50.535},{"sentences":[{"text":"It's it's oh, it's been alright.","start":52.175,"end":53.875,"sentiment":"neutral","sentiment_score":0.09637117013335228}],"sentiment":"neutral","sentiment_score":0.09637117013335228,"channel":1,"num_words":6,"start":52.175,"end":53.875},{"sentences":[{"text":"Yeah.","start":54.199997,"end":54.359997,"sentiment":"neutral","sentiment_score":0.24967458844184875},{"text":"That's good.","start":54.359997,"end":55.079998,"sentiment":"positive","sentiment_score":0.47814877331256866},{"text":"That's good.","start":55.079998,"end":55.64,"sentiment":"positive","sentiment_score":0.4978102147579193}],"sentiment":"positive","sentiment_score":0.44031851291656493,"channel":0,"num_words":5,"start":54.199997,"end":55.64},{"sentences":[{"text":"It's","start":55.62,"end":55.7,"sentiment":"neutral","sentiment_score":0.2063269019126892}],"sentiment":"neutral","sentiment_score":0.2063269019126892,"channel":1,"num_words":1,"start":55.62,"end":55.7},{"sentences":[{"text":"Do","start":55.64,"end":55.8,"sentiment":"neutral","sentiment_score":0.16569681465625763}],"sentiment":"neutral","sentiment_score":0.16569681465625763,"channel":0,"num_words":1,"start":55.64,"end":55.8},{"sentences":[{"text":"fine.","start":55.7,"end":55.94,"sentiment":"neutral","sentiment_score":0.15335823595523834}],"sentiment":"neutral","sentiment_score":0.15335823595523834,"channel":1,"num_words":1,"start":55.7,"end":55.94},{"sentences":[{"text":"you have","start":55.8,"end":56.039997,"sentiment":"neutral","sentiment_score":0.041581159457564354}],"sentiment":"neutral","sentiment_score":0.041581159457564354,"channel":0,"num_words":2,"start":55.8,"end":56.039997},{"sentences":[{"text":"It's","start":55.94,"end":56.44,"sentiment":"neutral","sentiment_score":0.0151838269084692}],"sentiment":"neutral","sentiment_score":0.0151838269084692,"channel":1,"num_words":1,"start":55.94,"end":56.44},{"sentences":[{"text":"much left left to do for the day?","start":56.039997,"end":58.219997,"sentiment":"neutral","sentiment_score":0.05029404489323497}],"sentiment":"neutral","sentiment_score":0.05029404489323497,"channel":0,"num_words":8,"start":56.039997,"end":58.219997},{"sentences":[{"text":"fine.","start":58.34,"end":58.84,"sentiment":"neutral","sentiment_score":0.04113218188285827},{"text":"Thought a little bit, but that's alright.","start":60.5,"end":62.18,"sentiment":"neutral","sentiment_score":0.0034208146056958605}],"sentiment":"neutral","sentiment_score":0.008134735515341161,"channel":1,"num_words":8,"start":58.34,"end":62.18},{"sentences":[{"text":"Yeah.","start":61.879997,"end":62.379997,"sentiment":"neutral","sentiment_score":0.1283621042966843}],"sentiment":"neutral","sentiment_score":0.1283621042966843,"channel":0,"num_words":1,"start":61.879997,"end":62.379997},{"sentences":[{"text":"Cool.","start":62.18,"end":62.42,"sentiment":"neutral","sentiment_score":0.14300866425037384},{"text":"Okay.","start":62.42,"end":62.92,"sentiment":"neutral","sentiment_score":0.06474011391401291}],"sentiment":"neutral","sentiment_score":0.10387438908219337,"channel":1,"num_words":2,"start":62.18,"end":62.92},{"sentences":[{"text":"Well, I will try not to keep you for too long, Anthony.","start":63.635002,"end":66.295,"sentiment":"neutral","sentiment_score":0.0012245673375825088},{"text":"But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any areas you are, you know, hoping for me to address a little bit more or just a bit of a catch up and see how everything's going?","start":66.755,"end":82.229996,"sentiment":"neutral","sentiment_score":0.013619841975641662}],"sentiment":"neutral","sentiment_score":0.011494937751974379,"channel":0,"num_words":70,"start":63.635002,"end":82.229996},{"sentences":[{"text":"No.","start":82.204994,"end":82.44499,"sentiment":"neutral","sentiment_score":-0.15260687470436096},{"text":"Just to catch up and see how everything's going so it's 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when it comes to volatility, so if you ever were to place an investment and then after six months of investing, you noticed that the portfolio was down 20% due to kind of general trends in the market.","start":489.05,"end":502.66998,"sentiment":"neutral","sentiment_score":-0.08605868073228078},{"text":"Would you wanna take advantage of the drop in prices by thinking that now is a good time to invest a bit more, or just kind of hold, wait to see what happens?","start":503.285,"end":512.42505,"sentiment":"neutral","sentiment_score":-0.04386363127692179},{"text":"Or would you wanna sell and move through something a little bit more secure, but that means you are then selling with the prices have already dropped?","start":512.725,"end":519.93,"sentiment":"neutral","sentiment_score":-0.07131845890371888}],"sentiment":"neutral","sentiment_score":-0.06797360374846241,"channel":0,"num_words":99,"start":489.05,"end":519.93},{"sentences":[{"text":"It'll either be buy more 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wait.","start":524.175,"end":525.235,"sentiment":"neutral","sentiment_score":0.007100981660187244},{"text":"It'll","start":525.24,"end":525.74,"sentiment":"neutral","sentiment_score":0.042126528918743134}],"sentiment":"neutral","sentiment_score":0.015857368474826217,"channel":1,"num_words":4,"start":524.175,"end":525.74},{"sentences":[{"text":"Yep.","start":525.51,"end":525.99,"sentiment":"neutral","sentiment_score":0.06629779934883118},{"text":"Perfect.","start":525.99,"end":526.49,"sentiment":"positive","sentiment_score":0.36776769161224365},{"text":"Yep.","start":526.87,"end":527.235,"sentiment":"neutral","sentiment_score":0.1421736776828766}],"sentiment":"neutral","sentiment_score":0.19207972288131714,"channel":0,"num_words":3,"start":525.51,"end":527.235},{"sentences":[{"text":"be","start":528.2438,"end":528.7438,"sentiment":"neutral","sentiment_score":0.07114812731742859}],"sentiment":"neutral","sentiment_score":0.07114812731742859,"channel":1,"num_words":1,"start":528.2438,"end":528.7438},{"sentences":[{"text":"And last one here is if you did see some fluctuations in your superannuation","start":528.995,"end":534.295,"sentiment":"neutral","sentiment_score":0.018262277024665048}],"sentiment":"neutral","sentiment_score":0.018262277024665048,"channel":0,"num_words":14,"start":528.995,"end":534.295},{"sentences":[{"text":"yeah.","start":534.2512,"end":534.7512,"sentiment":"neutral","sentiment_score":0.0035737399011850357}],"sentiment":"neutral","sentiment_score":0.0035737399011850357,"channel":1,"num_words":1,"start":534.2512,"end":534.7512},{"sentences":[{"text":"at any point or any investment really, the last twelve months, we have seen a bit of fluctuations.","start":534.83496,"end":540.52,"sentiment":"neutral","sentiment_score":0.0003712068622310956},{"text":"First, obviously, you had everything in The US with Trump and tariffs and everything that we did see a bit of fluctuation.","start":540.52,"end":546.14,"sentiment":"neutral","sentiment_score":-0.012849550694227219},{"text":"And, obviously, more recently with the war as well, we have seen a bit of fluctuation in the market.","start":546.36,"end":551.66003,"sentiment":"neutral","sentiment_score":-0.05554940149580177},{"text":"If it","start":552.53503,"end":552.85504,"sentiment":"neutral","sentiment_score":-0.0042682308703660965}],"sentiment":"neutral","sentiment_score":-0.02196694232645582,"channel":0,"num_words":61,"start":534.83496,"end":552.85504},{"sentences":[{"text":"Yes.","start":552.80005,"end":553.30005,"sentiment":"neutral","sentiment_score":0.03745638579130173}],"sentiment":"neutral","sentiment_score":0.03745638579130173,"channel":1,"num_words":1,"start":552.80005,"end":553.30005},{"sentences":[{"text":"is something that you kind of noticed or even go back to COVID when we saw a bit of a drop, would you say that seeing seeing a bit of fluctuation in your super would make you feel optimistic about potential opportunities, a bit more kind of neutral, not making further investment, concerned, or highly anxious?","start":552.85504,"end":573.54,"sentiment":"neutral","sentiment_score":0.11673653182307524}],"sentiment":"neutral","sentiment_score":0.11673653182307524,"channel":0,"num_words":56,"start":552.85504,"end":573.54},{"sentences":[{"text":"I would say probably optimistic.","start":576.25,"end":581.23,"sentiment":"neutral","sentiment_score":0.15600149929523469},{"text":"Yeah.","start":581.76996,"end":582.26996,"sentiment":"neutral","sentiment_score":0.28408563137054443}],"sentiment":"neutral","sentiment_score":0.17734885464111963,"channel":1,"num_words":6,"start":576.25,"end":582.26996},{"sentences":[{"text":"Optimistic.","start":581.855,"end":582.355,"sentiment":"positive","sentiment_score":0.44374915957450867},{"text":"Okay.","start":582.815,"end":583.295,"sentiment":"neutral","sentiment_score":0.25894132256507874}],"sentiment":"positive","sentiment_score":0.3513452410697937,"channel":0,"num_words":2,"start":581.855,"end":583.295},{"sentences":[{"text":"Yeah.","start":583.29,"end":583.79,"sentiment":"neutral","sentiment_score":0.3017346262931824}],"sentiment":"neutral","sentiment_score":0.3017346262931824,"channel":1,"num_words":1,"start":583.29,"end":583.79},{"sentences":[{"text":"Perfect.","start":583.295,"end":583.795,"sentiment":"positive","sentiment_score":0.44846177101135254},{"text":"And would you ever consider taking out a loan to invest in stocks or funds or just kind of potentially for, like, an investment property and stuff.","start":586.575,"end":597.59,"sentiment":"neutral","sentiment_score":0.17229659055118207}],"sentiment":"neutral","sentiment_score":0.1821596327104739,"channel":0,"num_words":28,"start":583.295,"end":597.59},{"sentences":[{"text":"Yes.","start":598.895,"end":599.395,"sentiment":"neutral","sentiment_score":0.15812668204307556}],"sentiment":"neutral","sentiment_score":0.15812668204307556,"channel":1,"num_words":1,"start":598.895,"end":599.395},{"sentences":[{"text":"Yep.","start":599.57,"end":600.05005,"sentiment":"neutral","sentiment_score":0.1827474683523178},{"text":"Perfect.","start":600.05005,"end":600.55005,"sentiment":"neutral","sentiment_score":0.3273458778858185},{"text":"Now that tells me here, Anthony, that you have come out as a growth investor, and it is the portfolio that we currently have you invested in.","start":602.05005,"end":610.615,"sentiment":"neutral","sentiment_score":0.22031627153908764},{"text":"Do you remember what a growth investor is at all, what it means?","start":610.915,"end":614.375,"sentiment":"neutral","sentiment_score":0.08827972813294484}],"sentiment":"neutral","sentiment_score":0.18110164627432823,"channel":0,"num_words":42,"start":599.57,"end":614.375},{"sentences":[{"text":"Well, I assume it means you're willing you're willing to put your money where there is a bit of risk there, but your gain is larger.","start":616.14996,"end":628.445,"sentiment":"neutral","sentiment_score":0.0611334341363265}],"sentiment":"neutral","sentiment_score":0.0611334341363265,"channel":1,"num_words":26,"start":616.14996,"end":628.445},{"sentences":[{"text":"Yes.","start":629.25,"end":629.75,"sentiment":"neutral","sentiment_score":0.27055084705352783},{"text":"So it is in a good position where you are not you're not being, like, an aggressive or super high risk.","start":630.29004,"end":636.615,"sentiment":"neutral","sentiment_score":0.2016363376751542},{"text":"Just kind of in that that middle where you're still focusing on your growth and getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement.","start":637.235,"end":647.65497,"sentiment":"neutral","sentiment_score":0.2632490214156477},{"text":"And you will see some short term fluctuations in order to achieve that growth.","start":649.0,"end":654.38,"sentiment":"neutral","sentiment_score":0.1451942745063986},{"text":"And when we are talking about an asset allocation, so how your money is invested, typically, we see about 80% in what we would call your growth assets.","start":654.92,"end":666.33496,"sentiment":"neutral","sentiment_score":0.14328501346920217}],"sentiment":"neutral","sentiment_score":0.20150075462993747,"channel":0,"num_words":102,"start":629.25,"end":666.33496},{"sentences":[{"text":"So that will be things like Australian shares, international shares, as well as property and commodities.","start":666.795,"end":672.01495,"sentiment":"neutral","sentiment_score":0.21702890843153},{"text":"And that is what's going to grow and maximize that for you.","start":672.795,"end":676.095,"sentiment":"positive","sentiment_score":0.38400406514604885},{"text":"And then about 20% in defensive.","start":676.32,"end":679.06,"sentiment":"neutral","sentiment_score":0.15336448575059572},{"text":"So, like, your cash, your gold, your fixed interest, we're trying to limit fluctuations a little bit.","start":680.0,"end":685.22003,"sentiment":"neutral","sentiment_score":0.16631845998413422},{"text":"Time frame wise, so making sure you have enough time in the market for those fluctuations.","start":686.88,"end":690.9,"sentiment":"neutral","sentiment_score":0.10458734398707747}],"sentiment":"neutral","sentiment_score":0.20151506798036062,"channel":0,"num_words":67,"start":666.795,"end":690.9},{"sentences":[{"text":"In a growth","start":691.775,"end":692.415,"sentiment":"neutral","sentiment_score":0.0912640169262886}],"sentiment":"neutral","sentiment_score":0.0912640169262886,"channel":0,"num_words":3,"start":691.775,"end":692.415},{"sentences":[{"text":"Yes.","start":692.165,"end":692.665,"sentiment":"neutral","sentiment_score":0.0920061394572258}],"sentiment":"neutral","sentiment_score":0.0920061394572258,"channel":1,"num_words":1,"start":692.165,"end":692.665},{"sentences":[{"text":"portfolio, we wanna allow six years until the time.","start":692.415,"end":695.395,"sentiment":"neutral","sentiment_score":0.12903922465112475},{"text":"So from","start":696.255,"end":697.135,"sentiment":"neutral","sentiment_score":0.08748969808220863}],"sentiment":"neutral","sentiment_score":0.12148476527495818,"channel":0,"num_words":11,"start":692.415,"end":697.135},{"sentences":[{"text":"Yeah.","start":696.93,"end":697.25,"sentiment":"neutral","sentiment_score":0.1021175980567932}],"sentiment":"neutral","sentiment_score":0.1021175980567932,"channel":1,"num_words":1,"start":696.93,"end":697.25},{"sentences":[{"text":"a","start":697.135,"end":697.375,"sentiment":"neutral","sentiment_score":0.1631775200366974}],"sentiment":"neutral","sentiment_score":0.1631775200366974,"channel":0,"num_words":1,"start":697.135,"end":697.375},{"sentences":[{"text":"Okay.","start":697.25,"end":697.75,"sentiment":"neutral","sentiment_score":0.16996410489082336}],"sentiment":"neutral","sentiment_score":0.16996410489082336,"channel":1,"num_words":1,"start":697.25,"end":697.75},{"sentences":[{"text":"time frame point of view, you are in a good position of trying to grow that as long as you are still comfortable with the same level of risk and everything.","start":697.375,"end":706.435,"sentiment":"neutral","sentiment_score":0.1976791810124151},{"text":"Yep.","start":706.89,"end":707.39,"sentiment":"neutral","sentiment_score":0.13273143768310547}],"sentiment":"neutral","sentiment_score":0.1956495640333742,"channel":0,"num_words":32,"start":697.375,"end":707.39},{"sentences":[{"text":"Yes.","start":707.32996,"end":707.82996,"sentiment":"neutral","sentiment_score":0.25728827714920044}],"sentiment":"neutral","sentiment_score":0.25728827714920044,"channel":1,"num_words":1,"start":707.32996,"end":707.82996},{"sentences":[{"text":"Great.","start":708.65,"end":709.15,"sentiment":"positive","sentiment_score":0.5658324360847473},{"text":"Perfect.","start":709.37,"end":709.87,"sentiment":"positive","sentiment_score":0.4768713116645813},{"text":"Now last thing here, Anthony, is do you have access to your emails at the 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my myself.","start":720.02496,"end":721.885,"sentiment":"neutral","sentiment_score":0.04420829191803932},{"text":"Yeah.","start":721.945,"end":722.445,"sentiment":"neutral","sentiment_score":0.08120883256196976}],"sentiment":"neutral","sentiment_score":0.05345842707902193,"channel":1,"num_words":4,"start":720.02496,"end":722.445},{"sentences":[{"text":"Yep.","start":722.505,"end":722.98505,"sentiment":"neutral","sentiment_score":0.11430051922798155},{"text":"Perfect.","start":722.98505,"end":723.48505,"sentiment":"neutral","sentiment_score":0.21339115500450137},{"text":"If you have the option of accessing them, I can run it through with you.","start":724.18506,"end":728.98505,"sentiment":"neutral","sentiment_score":0.09951579024394354},{"text":"But if you can't, I","start":728.98505,"end":730.66504,"sentiment":"neutral","sentiment_score":-0.022617874294519426}],"sentiment":"neutral","sentiment_score":0.07760632529177448,"channel":0,"num_words":22,"start":722.505,"end":730.66504},{"sentences":[{"text":"No.","start":730.56,"end":731.06,"sentiment":"neutral","sentiment_score":-0.1010432243347168}],"sentiment":"neutral","sentiment_score":-0.1010432243347168,"channel":1,"num_words":1,"start":730.56,"end":731.06},{"sentences":[{"text":"can always","start":730.66504,"end":731.405,"sentiment":"neutral","sentiment_score":-0.09052882716059685}],"sentiment":"neutral","sentiment_score":-0.09052882716059685,"channel":0,"num_words":2,"start":730.66504,"end":731.405},{"sentences":[{"text":"I'm I'm actually looking at them 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look","start":735.25,"end":739.73,"sentiment":"neutral","sentiment_score":0.04122819959679071}],"sentiment":"neutral","sentiment_score":0.05147786584815809,"channel":0,"num_words":21,"start":733.73,"end":739.73},{"sentences":[{"text":"Yes.","start":739.625,"end":740.125,"sentiment":"neutral","sentiment_score":0.02197587303817272}],"sentiment":"neutral","sentiment_score":0.02197587303817272,"channel":1,"num_words":1,"start":739.625,"end":740.125},{"sentences":[{"text":"a little bit different through what I did last year.","start":739.73,"end":743.43,"sentiment":"neutral","sentiment_score":0.007928840909153223},{"text":"But, essentially, when you click on the email now before you click on the link where it says to sign 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yet.","start":1263.95,"end":1267.07,"sentiment":"neutral","sentiment_score":-0.018855314701795578},{"text":"Okay.","start":1267.07,"end":1267.57,"sentiment":"neutral","sentiment_score":0.046290598809719086}],"sentiment":"neutral","sentiment_score":-0.010712075512856245,"channel":1,"num_words":8,"start":1263.95,"end":1267.57},{"sentences":[{"text":"Yeah.","start":1267.855,"end":1268.175,"sentiment":"neutral","sentiment_score":0.07032351940870285},{"text":"Yep.","start":1268.175,"end":1268.675,"sentiment":"neutral","sentiment_score":0.08328401297330856},{"text":"And as with anything, it's not a lock in contract at any point in time, but at least this lets us, you know, keep servicing you and everything in in the meantime.","start":1269.855,"end":1279.02,"sentiment":"neutral","sentiment_score":0.10784542898181826},{"text":"And","start":1279.32,"end":1279.7999,"sentiment":"neutral","sentiment_score":0.026406435295939445}],"sentiment":"neutral","sentiment_score":0.10374479128846101,"channel":0,"num_words":35,"start":1267.855,"end":1279.7999},{"sentences":[{"text":"Two minutes.","start":1279.565,"end":1280.225,"sentiment":"neutral","sentiment_score":0.022912241518497467}],"sentiment":"neutral","sentiment_score":0.022912241518497467,"channel":1,"num_words":2,"start":1279.565,"end":1280.225},{"sentences":[{"text":"once you've","start":1279.7999,"end":1280.2799,"sentiment":"neutral","sentiment_score":0.014445357024669647}],"sentiment":"neutral","sentiment_score":0.014445357024669647,"channel":0,"num_words":2,"start":1279.7999,"end":1280.2799},{"sentences":[{"text":"You'll get this.","start":1280.285,"end":1281.06,"sentiment":"neutral","sentiment_score":0.044322640945514045},{"text":"Yep.","start":1281.06,"end":1281.56,"sentiment":"neutral","sentiment_score":0.0832725539803505}],"sentiment":"neutral","sentiment_score":0.054060119204223156,"channel":1,"num_words":4,"start":1280.285,"end":1281.56},{"sentences":[{"text":"yep.","start":1281.7999,"end":1282.2999,"sentiment":"neutral","sentiment_score":0.07567950338125229},{"text":"And then once you've added the signature, it should I think it says,","start":1283.72,"end":1287.4199,"sentiment":"neutral","sentiment_score":0.070742783924708}],"sentiment":"neutral","sentiment_score":0.0710954067430326,"channel":0,"num_words":14,"start":1281.7999,"end":1287.4199},{"sentences":[{"text":"Yeah.","start":1287.0675,"end":1287.5675,"sentiment":"neutral","sentiment_score":0.048766400665044785}],"sentiment":"neutral","sentiment_score":0.048766400665044785,"channel":1,"num_words":1,"start":1287.0675,"end":1287.5675},{"sentences":[{"text":"oh, yep.","start":1288.215,"end":1288.775,"sentiment":"neutral","sentiment_score":0.05907453969120979},{"text":"I've actually already got a notification.","start":1288.775,"end":1290.395,"sentiment":"neutral","sentiment_score":0.08647490416963895},{"text":"Great.","start":1291.015,"end":1291.335,"sentiment":"positive","sentiment_score":0.45643115043640137},{"text":"When technology works fast.","start":1291.335,"end":1292.875,"sentiment":"neutral","sentiment_score":0.32741309702396393}],"sentiment":"neutral","sentiment_score":0.18485246484096235,"channel":0,"num_words":13,"start":1288.215,"end":1292.875},{"sentences":[{"text":"Yeah.","start":1293.3949,"end":1293.715,"sentiment":"neutral","sentiment_score":0.009318621829152107},{"text":"And I've and I've got a mistake.","start":1293.715,"end":1295.4149,"sentiment":"neutral","sentiment_score":-0.14358329560075486}],"sentiment":"neutral","sentiment_score":-0.1244705559220165,"channel":1,"num_words":8,"start":1293.3949,"end":1295.4149},{"sentences":[{"text":"Yes.","start":1296.0549,"end":1296.535,"sentiment":"neutral","sentiment_score":0.1539517641067505},{"text":"Perfect.","start":1296.535,"end":1297.035,"sentiment":"positive","sentiment_score":0.3586902618408203},{"text":"Now this is saved as well for you, so you can download them if you would like.","start":1297.1749,"end":1301.355,"sentiment":"neutral","sentiment_score":0.23995895420803742},{"text":"If not, I always have a copy on the file.","start":1301.64,"end":1303.9601,"sentiment":"neutral","sentiment_score":0.095600775629282},{"text":"So if at any point in time you want me to send them to you, I have everything on file for you.","start":1303.9601,"end":1308.78,"sentiment":"neutral","sentiment_score":0.19663972813974728}],"sentiment":"neutral","sentiment_score":0.19360835338924445,"channel":0,"num_words":51,"start":1296.0549,"end":1308.78},{"sentences":[{"text":"No worries.","start":1309.3301,"end":1309.91,"sentiment":"neutral","sentiment_score":0.2589174136519432}],"sentiment":"neutral","sentiment_score":0.2589174136519432,"channel":1,"num_words":2,"start":1309.3301,"end":1309.91},{"sentences":[{"text":"That was essentially everything I needed to to kind of check on with you today, Anthony.","start":1310.76,"end":1315.3049,"sentiment":"positive","sentiment_score":0.33735751919448376},{"text":"Do you have any other questions, or was there anything else you wanted to go through before I let you go?","start":1315.3049,"end":1319.965,"sentiment":"neutral","sentiment_score":0.05430792680098897}],"sentiment":"neutral","sentiment_score":0.17670775053871646,"channel":0,"num_words":37,"start":1310.76,"end":1319.965},{"sentences":[{"text":"No.","start":1320.355,"end":1320.595,"sentiment":"neutral","sentiment_score":-0.17769967019557953},{"text":"That'll be fine.","start":1320.595,"end":1321.475,"sentiment":"neutral","sentiment_score":-0.020967741807301838}],"sentiment":"neutral","sentiment_score":-0.06015072390437126,"channel":1,"num_words":4,"start":1320.355,"end":1321.475},{"sentences":[{"text":"No?","start":1321.385,"end":1321.885,"sentiment":"neutral","sentiment_score":-0.054904431104660034}],"sentiment":"neutral","sentiment_score":-0.054904431104660034,"channel":0,"num_words":1,"start":1321.385,"end":1321.885},{"sentences":[{"text":"Thanks.","start":1321.475,"end":1321.975,"sentiment":"positive","sentiment_score":0.39617758989334106}],"sentiment":"positive","sentiment_score":0.39617758989334106,"channel":1,"num_words":1,"start":1321.475,"end":1321.975},{"sentences":[{"text":"Okay.","start":1322.0249,"end":1322.505,"sentiment":"positive","sentiment_score":0.4227348864078522},{"text":"Perfect.","start":1322.505,"end":1322.9049,"sentiment":"positive","sentiment_score":0.700320839881897},{"text":"Well, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, May 7 at 3PM.","start":1322.9049,"end":1329.1649,"sentiment":"positive","sentiment_score":0.651474996159474}],"sentiment":"positive","sentiment_score":0.6445559859275818,"channel":0,"num_words":26,"start":1322.0249,"end":1329.1649},{"sentences":[{"text":"No worries.","start":1329.5789,"end":1330.1389,"sentiment":"positive","sentiment_score":0.4234161227941513},{"text":"Thank you.","start":1330.1389,"end":1330.8789,"sentiment":"positive","sentiment_score":0.6885848641395569}],"sentiment":"positive","sentiment_score":0.5560004934668541,"channel":1,"num_words":4,"start":1329.5789,"end":1330.8789},{"sentences":[{"text":"No problem.","start":1331.0688,"end":1331.7089,"sentiment":"positive","sentiment_score":0.4667687267065048},{"text":"We'll speak soon.","start":1331.7089,"end":1332.6888,"sentiment":"positive","sentiment_score":0.39142778515815735}],"sentiment":"positive","sentiment_score":0.42156416177749634,"channel":0,"num_words":5,"start":1331.0688,"end":1332.6888},{"sentences":[{"text":"See you later.","start":1332.7789,"end":1333.4188,"sentiment":"positive","sentiment_score":0.42249125242233276},{"text":"Bye.","start":1333.4188,"end":1333.9188,"sentiment":"neutral","sentiment_score":0.2585608661174774}],"sentiment":"positive","sentiment_score":0.3815086558461189,"channel":1,"num_words":4,"start":1332.7789,"end":1333.9188},{"sentences":[{"text":"See you.","start":1334.1089,"end":1334.5088,"sentiment":"neutral","sentiment_score":0.29763613641262054},{"text":"Bye.","start":1334.5088,"end":1335.0088,"sentiment":"neutral","sentiment_score":-0.12399128079414368}],"sentiment":"neutral","sentiment_score":0.1570936640103658,"channel":0,"num_words":3,"start":1334.1089,"end":1335.0088}]},"summary":{"result":"success","short":"An agent from Acute Financial speaks with a customer named Anthony about his annual review and health and lifestyle. They discuss retirement plans and retirement age, investment strategies, and risk tolerance. The agent emphasizes the importance of investing in growth assets and limiting fluctuations in the market. They also provide guidance on accessing email and the next document to review, and offer to research and change the situation if needed. The agent provides information on the retirement insurance coverage and income protection policy, and suggests swapping an investment option. The agent provides a time for the customer to sign the service agreement and sends a reminder text."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you? Yep. 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. Yeah.","start_word":23,"end_word":74,"intents":[{"intent":"Check call status","confidence_score":0.002332724}]},{"text":"Is he still, like, relying on you guys kind financially and stuff? Like, what does he need a little bit of support from you guys? Or Yeah. Not like really.","start_word":384,"end_word":413,"intents":[{"intent":"Discuss financial situation","confidence_score":0.0011171312}]},{"text":"Income, I have about $1.80. Yep.","start_word":444,"end_word":449,"intents":[{"intent":"Inquire about income","confidence_score":0.11432662},{"intent":"Ask about expenses","confidence_score":0.000089337685}]},{"text":"And do you still have the holiday home as well? I do. Yes. Perfect.","start_word":507,"end_word":520,"intents":[{"intent":"Inquire about holiday home","confidence_score":0.33272767}]},{"text":"Perfect. Valed at about $7.50. Yes. Yep.","start_word":520,"end_word":526,"intents":[{"intent":"Inquire about rafters","confidence_score":0.000009692357}]},{"text":"Do you have any other new assets, any motor vehicles or motorbikes No.","start_word":572,"end_word":584,"intents":[{"intent":"Inquire about vehicle","confidence_score":0.014437545}]},{"text":"Now health and lifestyle wise, I do have here that you do have private health insurance Yes. and a nonsmoker. Is that correct? Yeah.","start_word":606,"end_word":629,"intents":[{"intent":"Confirm health insurance","confidence_score":0.108685516}]},{"text":"So when we spoke to you last year, your main focus at the time was to focus on paying off the holiday home, and then you had a Europe trip planned this year. Have you Yes.","start_word":826,"end_word":861,"intents":[{"intent":"Schedule trip","confidence_score":0.020083204}]},{"text":"Otherwise, it's the main focus to kind of aside from, obviously, the the lovely holiday, just continue to pay off the holiday home. Yeah. That that's right. And just Yep. really yeah. That's all and consolidate, obviously, our super. So Yep.","start_word":1091,"end_word":1131,"intents":[{"intent":"Consolidate superannuation focus","confidence_score":0.1307596}]},{"text":"And I guess with that as well, the next thing I do wanna run over with you, Anthony, is just a bit of an updated risk profile questionnaire Yes.","start_word":1212,"end_word":1240,"intents":[{"intent":"Obtain risk profile questionnaire","confidence_score":0.028111707}]},{"text":"to see if your risk tolerance or anything has changed and you wanna make any changes to it. So Mhmm.","start_word":1241,"end_word":1260,"intents":[{"intent":"Evaluate risk tolerance","confidence_score":0.12582374}]},{"text":"And when it comes to volatility, so if you ever were to place an investment and then after six months of investing, you noticed that the portfolio was down 20% due to kind of general trends in the market.","start_word":1352,"end_word":1390,"intents":[{"intent":"Discuss portfolio investments and market trends","confidence_score":0.00089234364}]},{"text":"portfolio, we wanna allow six years until the time. So from Yeah. a Okay. time frame point of view, you are in a good position of trying to grow that as long as you are still comfortable with the same level of risk and everything. Yep.","start_word":1877,"end_word":1922,"intents":[{"intent":"Maximize portfolio growth","confidence_score":0.017547408}]},{"text":"You're wanting to know what it so which one do you want me to open?","start_word":2124,"end_word":2138,"intents":[{"intent":"Open compliance documents","confidence_score":0.023532504}]},{"text":"I'll get you to have a you can if you want to, but they are just kind of an updated version of their their financial services guide.","start_word":2146,"end_word":2172,"intents":[{"intent":"Access and download financial services guide","confidence_score":0.0007458111}]},{"text":"Otherwise, all the important information is all the same.","start_word":2237,"end_word":2245,"intents":[{"intent":"Provide information","confidence_score":0.08655182}]},{"text":"I can see the super insurance summary. Yep.","start_word":2268,"end_word":2275,"intents":[{"intent":"Provide insurance summary","confidence_score":0.011050598}]},{"text":"If you wanna open that one for me, that'll be great. Yep. Yep.","start_word":2276,"end_word":2288,"intents":[{"intent":"Express gratitude","confidence_score":0.0036620544}]},{"text":"That's correct. that. Yeah.","start_word":2407,"end_word":2410,"intents":[{"intent":"Confirm understanding","confidence_score":0.099386744}]},{"text":"And it goes all the way to the up age of 65 benefit period. Yes.","start_word":2437,"end_word":2451,"intents":[{"intent":"Inquire about benefit level","confidence_score":0.0000084715975}]},{"text":"And if it's when we do the research and we should see them being a bit slower with making investment choices or it might not be the best option for you moving forward, we definitely obviously wanna have that approach where we can do a bit more research and look to change it if there's better options out there through making sure that we always have you in the best position possible. Yes.","start_word":2930,"end_word":3002,"intents":[{"intent":"Inquire about better options","confidence_score":0.00006726846}]},{"text":"So that is all booked in on Thursday, May 7. Would you like a reminder text sent, like, an hour or two before the appointment in case anything comes up for you? Yeah.","start_word":3152,"end_word":3184,"intents":[{"intent":"Confirm appointment","confidence_score":0.017073411},{"intent":"Provide reminder text","confidence_score":0.15106717}]},{"text":"Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same. Because your wife is a client, that is staying the same at that reduced rate of 1.1% from super. No No changes worries.","start_word":3302,"end_word":3341,"intents":[{"intent":"Request clarification","confidence_score":0.0004976922}]}]},"sentiments":{"segments":[{"text":"Hello. Anthony speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04276754707098007},{"text":"Good afternoon, Anthony.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3863444924354553},{"text":"This is Veronica from Acute Financial. How are you? Yeah.","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.2914468050003052},{"text":"Good. Thanks. How are you? Good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":16,"end_word":41,"sentiment":"positive","sentiment_score":0.4530929028987885},{"text":"Yep. Yep.","start_word":42,"end_word":43,"sentiment":"neutral","sentiment_score":0.11523781716823578},{"text":"Perfect.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.3949635624885559},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine. Yep. Perfect. And just for security purposes, just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. Anthony Zara. 1975. Yep. 16 Gibson Way, Caroline Springs. Yep.","start_word":45,"end_word":119,"sentiment":"neutral","sentiment_score":0.05304897949099541},{"text":"Perfect. That's exactly what I have here.","start_word":120,"end_word":126,"sentiment":"positive","sentiment_score":0.44413942098617554},{"text":"How's your day been? Been busy? It's it's oh, it's been alright. Yeah.","start_word":127,"end_word":139,"sentiment":"neutral","sentiment_score":0.1050684005022049},{"text":"That's good. That's good.","start_word":140,"end_word":143,"sentiment":"positive","sentiment_score":0.4865002632141114},{"text":"It's Do fine. you have It's much left left to do for the day? fine. Thought a little bit, but that's alright. Yeah. Cool. Okay. Well, I will try not to keep you for too long, Anthony. But before I do jump into the interview, I do like to start by asking if there is anything specific that you would like me to focus on today or any areas you are, you know, hoping for me to address a little bit more or just a bit of a catch up and see how everything's going? No. Just to catch up and see how everything's going so it's closed. Yeah. Perfect. Now what I'll do first is just run through a bit of an updated back line with you just to see if there's anything major that has changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through these questions. Now when it comes to your personal information, I have you down here as married. Is that still the case? Uh-huh. Yep. Yep. K. Perfect. Now last time we spoke last year, you had three children at home, but two were kind of moving out shortly after we spoke. Do you have one living at home at the moment? Yeah. We've only we've got one. Yeah. Yep. Okay. But Perfect. he's he's 18. So Okay.","start_word":144,"end_word":382,"sentiment":"neutral","sentiment_score":0.016368841690061982},{"text":"Perfect.","start_word":383,"end_word":383,"sentiment":"positive","sentiment_score":0.3925977349281311},{"text":"Is he still, like, relying on you guys kind financially and stuff? Like, what does he need a little bit of support from you guys? Or Yeah. Not like really. no? A little bit, but not really. Yeah. Oh, well, that's good. Otherwise, when it comes to employment, has anything changed in the area for you? No. No. Nope. Perfect. Income, I have about $1.80. Yep. Yep. Yep. Perfect. Otherwise, when it comes to assets and liabilities, I have your property was last valued at about 1,000,000 with nothing owing. Is that Mhmm. still the case, or has that gone up a little bit? Do you know? Oh, it's yes. But it's booked for roughly around that. So Roughly the same? Yeah. yeah. And do you still have the holiday home as well? I do. Yes. Perfect. Valed at about $7.50. Yes. Yep. Perfect. And about 150 owing. Yeah. Around a 130, I About think, or a $100,100 hun 130? yeah. Yeah. Yep. Perfect. Do you also have the boat still? Yes. I do. Yep. Perfect. About 20 with nothing owing? No. Yeah. Around that. Yep. Yep. Perfect. Do you have any other new assets, any motor vehicles or motorbikes No. or savings in the bank or anything? No. No. Perfect. Any other liabilities, like credit card, personal loans? No. No. Perfect. Now health and lifestyle wise, I do have here that you do have private health insurance Yes. and a nonsmoker. Is that correct? Yeah. That's correct. Perfect. Have you had any changes to your health otherwise in the last twelve months? Any new No. illnesses or injuries? No. Perfect. No. And estate planning wise, I do have here Rachel as your beneficiary. So if something were to happen to you, it would go to her. And you guys don't have a will in place or anything. Is that all correct? No. We do have a will in place. Yeah. You do have?","start_word":384,"end_word":707,"sentiment":"neutral","sentiment_score":0.02575070896174437},{"text":"Perfect.","start_word":708,"end_word":708,"sentiment":"positive","sentiment_score":0.4243883490562439},{"text":"Yeah. And is that pretty up to date? Yeah. I think the last time we done, it would have been probably a year ago. So yeah. Ah, yeah.","start_word":709,"end_word":736,"sentiment":"neutral","sentiment_score":0.050488442182540894},{"text":"Great.","start_word":737,"end_word":737,"sentiment":"positive","sentiment_score":0.4079150855541229},{"text":"And do you know when you guys got the rule if you made a power of attorney nomination if something ever were to happen as well? I'm pretty sure we did. Yes. Yes.","start_word":738,"end_word":770,"sentiment":"neutral","sentiment_score":0.1250123679637909},{"text":"Perfect.","start_word":771,"end_word":771,"sentiment":"positive","sentiment_score":0.38889580965042114},{"text":"Yeah. We yeah. We would have. Our our kids were or the older two were overrated, and I'm sure we would have. Yeah.","start_word":772,"end_word":794,"sentiment":"neutral","sentiment_score":0.00410090945661068},{"text":"Great.","start_word":795,"end_word":795,"sentiment":"positive","sentiment_score":0.4189913868904114},{"text":"Yeah.","start_word":796,"end_word":796,"sentiment":"neutral","sentiment_score":0.32036417722702026},{"text":"Perfect. Now I guess when it comes to kind of goals, stuff that you're working towards that you are kind of wanting to achieve in the next twelve months.","start_word":797,"end_word":825,"sentiment":"positive","sentiment_score":0.3900046646595001},{"text":"So when we spoke to you last year, your main focus at the time was to focus on paying off the holiday home, and then you had a Europe trip planned this year. Have you Yes. guys That been, or is that on the cards? no. That's still booked in for the next for eight weeks time.","start_word":826,"end_word":882,"sentiment":"neutral","sentiment_score":0.06170453876256943},{"text":"So Beautiful.","start_word":883,"end_word":884,"sentiment":"positive","sentiment_score":0.4042240083217621},{"text":"And where it are you guys going? just going to going to Europe. That's Europe's Yep. summer. Yep.","start_word":885,"end_word":902,"sentiment":"neutral","sentiment_score":0.08138836175203323},{"text":"Beautiful. That's the best time to go.","start_word":903,"end_word":909,"sentiment":"positive","sentiment_score":0.3671969473361969},{"text":"If we get there, but anyway, that's Yeah. another. Where are you where are you flying into? We were flying into Dubai, but Oh, yeah. then into Rome, but we've Yeah. changed that now. So we're going through Asia to run it. Yeah. So It's a bit of a pain because my my family lives over in Sweden, and they yes. are planning to come and visit at the at the end of the year around October. And it's it's it's a lot like that where where you're going, where you're traveling from. A lot of to Sweden is through Singapore, so you can fly to Singapore and then Singapore straight to, like, Sweden or Copenhagen, but they Yeah. sell out the fastest. So it's really hard to get them because that's obviously the fastest way. So I've had people going, like you, through through Asia or even some through America that way. Yes. They're just trying Yes. to get to Europe. So it's a bit of a bit of a tricky situation, but, hopefully, you guys get there okay. Yeah. Otherwise, it's the main focus to kind of aside from, obviously, the the lovely holiday, just continue to pay off the holiday home. Yeah. That that's right. And just Yep. really yeah.","start_word":910,"end_word":1122,"sentiment":"neutral","sentiment_score":0.004873294855507327},{"text":"That's all and consolidate, obviously, our super.","start_word":1123,"end_word":1129,"sentiment":"positive","sentiment_score":0.346887469291687},{"text":"So Yep.","start_word":1130,"end_word":1131,"sentiment":"neutral","sentiment_score":0.2858400344848633},{"text":"Perfect.","start_word":1132,"end_word":1132,"sentiment":"positive","sentiment_score":0.5896475315093994},{"text":"yeah. And talking about superannuation, I have here Mhmm. that, ideally, you would like to retire at about age 65 with an Yep. income of about 1,200 a week. Yep. That's the goal. Yep.","start_word":1133,"end_word":1166,"sentiment":"neutral","sentiment_score":0.2155308574438095},{"text":"Yeah. Perfect.","start_word":1167,"end_word":1168,"sentiment":"positive","sentiment_score":0.41941890120506287},{"text":"And I guess when it comes to your superannuation focus, it's just to try to focus on growing that to get as much wealth as possible by the time you turn 65. Is that still kind of the fruit? Mhmm. Yep. Yep.","start_word":1169,"end_word":1210,"sentiment":"neutral","sentiment_score":0.26411882042884827},{"text":"Perfect.","start_word":1211,"end_word":1211,"sentiment":"positive","sentiment_score":0.37457144260406494},{"text":"And I guess with that as well, the next thing I do wanna run over with you, Anthony, is just a bit of an updated risk profile questionnaire Yes. to see if your risk tolerance or anything has changed and you wanna make any changes to it. So Mhmm. just bear with me as I go through these questions. Now thinking about your superannuation, in terms of how much risk you are willing to take, in order to make sure that it continues to, you know, go up and above inflation and increasing prices, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk? No. It's saying high model. High to moderate. Okay. Perfect. And Is that what it was last time? yes. Yes. Exactly Yeah. Yeah. that. Yeah. And when it comes to volatility, so if you ever were to place an investment and then after six months of investing, you noticed that the portfolio was down 20% due to kind of general trends in the market. Would you wanna take advantage of the drop in prices by thinking that now is a good time to invest a bit more, or just kind of hold, wait to see what happens? Or would you wanna sell and move through something a little bit more secure, but that means you are then selling with the prices have already dropped? It'll either be buy more or Yep. hold and wait. It'll Yep.","start_word":1212,"end_word":1461,"sentiment":"neutral","sentiment_score":0.011463379725813865},{"text":"Perfect.","start_word":1462,"end_word":1462,"sentiment":"positive","sentiment_score":0.36776769161224365},{"text":"Yep. be And last one here is if you did see some fluctuations in your superannuation yeah. at any point or any investment really, the last twelve months, we have seen a bit of fluctuations. First, obviously, you had everything in The US with Trump and tariffs and everything that we did see a bit of fluctuation. And, obviously, more recently with the war as well, we have seen a bit of fluctuation in the market. If it Yes. is something that you kind of noticed or even go back to COVID when we saw a bit of a drop, would you say that seeing seeing a bit of fluctuation in your super would make you feel optimistic about potential opportunities, a bit more kind of neutral, not making further investment, concerned, or highly anxious? I would say probably optimistic. Yeah.","start_word":1463,"end_word":1603,"sentiment":"neutral","sentiment_score":0.04582839831709862},{"text":"Optimistic.","start_word":1604,"end_word":1604,"sentiment":"positive","sentiment_score":0.44374915957450867},{"text":"Okay. Yeah.","start_word":1605,"end_word":1606,"sentiment":"neutral","sentiment_score":0.28033798933029175},{"text":"Perfect.","start_word":1607,"end_word":1607,"sentiment":"positive","sentiment_score":0.44846177101135254},{"text":"And would you ever consider taking out a loan to invest in stocks or funds or just kind of potentially for, like, an investment property and stuff. Yes. Yep. Perfect. Now that tells me here, Anthony, that you have come out as a growth investor, and it is the portfolio that we currently have you invested in. Do you remember what a growth investor is at all, what it means? Well, I assume it means you're willing you're willing to put your money where there is a bit of risk there, but your gain is larger. Yes. So it is in a good position where you are not you're not being, like, an aggressive or super high risk. Just kind of in that that middle where you're still focusing on your growth and getting as much growth as you can out of your superannuation, you know, while you do still have plenty of time until retirement. And you will see some short term fluctuations in order to achieve that growth. And when we are talking about an asset allocation, so how your money is invested, typically, we see about 80% in what we would call your growth assets. So that will be things like Australian shares, international shares, as well as property and commodities.","start_word":1608,"end_word":1821,"sentiment":"neutral","sentiment_score":0.1798251863116416},{"text":"And that is what's going to grow and maximize that for you.","start_word":1822,"end_word":1833,"sentiment":"positive","sentiment_score":0.37359461188316345},{"text":"And then about 20% in defensive. So, like, your cash, your gold, your fixed interest, we're trying to limit fluctuations a little bit. Time frame wise, so making sure you have enough time in the market for those fluctuations. In a growth Yes. portfolio, we wanna allow six years until the time. So from Yeah. a Okay. time frame point of view, you are in a good position of trying to grow that as long as you are still comfortable with the same level of risk and everything. Yep. Yes.","start_word":1834,"end_word":1923,"sentiment":"neutral","sentiment_score":0.15560929477214813},{"text":"Great. Perfect.","start_word":1924,"end_word":1925,"sentiment":"positive","sentiment_score":0.5213518738746643},{"text":"Now last thing here, Anthony, is do you have access to your emails at the moment? I've just received I've just seen that of it. Yeah. I've just forwarded Yes. to my myself. Yeah. Yep. Perfect. If you have the option of accessing them, I can run it through with you. But if you can't, I No. can always I'm I'm actually looking at them now. So know. Oh, sweet. Perfect. So you may have seen we've recently changed our software a little bit, so it might look Yes. a little bit different through what I did last year. But, essentially, when you click on the email now before you click on the link where it says to sign now, Yes. at the bottom of the email, can you see a couple of attachment? I can. Yep. Yes. Perfect. So you should have your first through is where it says o q services guide and financial services guide version four. Can you see those two? Sorry. What's sorry. Can you yes. I can see that. Yes. Yes.","start_word":1926,"end_word":2102,"sentiment":"neutral","sentiment_score":0.04222893344480439},{"text":"Perfect.","start_word":2103,"end_word":2103,"sentiment":"positive","sentiment_score":0.470585823059082},{"text":"Sorry. Now I'm just I'll I'm trying to download it, but my my computer's it's No. telling That's me. okay. You're wanting to know what it so which one do you want me to open? Neither of those two, actually, because Okay. I'll get you to have a you can if you want to, but they are just kind of an updated version of their their financial services guide. It Yep. is one of those compliance documents we would we would have gone through with you a couple of Yeah. times. Okay. Yep. Yeah. So nothing major has changed. When you do have a look at them, you will see we've had a bit of a change to marketing, which is nice, and a bit of an extension to the team as well. Otherwise, all the important information is all the same. So I'll let you have Mhmm. a read over them in your own time. What is the next document you can see? I can see the super insurance summary. Yep.","start_word":2104,"end_word":2275,"sentiment":"neutral","sentiment_score":0.0608307421207428},{"text":"If you wanna open that one for me, that'll be great.","start_word":2276,"end_word":2286,"sentiment":"positive","sentiment_score":0.4189850389957428},{"text":"Yep. Yep. Now this one here shows you a bit of a summary of your situation, but you can see here that you have your superannuation with hub twenty four. And you do have about $436,803 in there. Now underneath it, you can then see your insurance with Cal. So for your life and total permanent disability insurance, you have 276,675. Are you still happy with that level of cover for those two? Yeah. That's fine. Yep.","start_word":2287,"end_word":2363,"sentiment":"neutral","sentiment_score":0.11010377109050752},{"text":"Perfect.","start_word":2364,"end_word":2364,"sentiment":"positive","sentiment_score":0.5191336870193481},{"text":"And I think when we spoke last, you were kind of well, if something were to happen that would pay off, you know, Yes. the mortgage or the holiday home and still leave a little bit of extra to support. So Yeah. That's correct. that. Yeah. Now you also have an income protection policy. So that will pay 5,959 per month. You do have a thirteen day thirteen week waiting period. Sorry. And it goes all the way to the up age of 65 benefit period. Yes. Now when it comes to your income protection as well, are you still happy with that level of cover, or or what Yes. are your thoughts? No. Yep.","start_word":2365,"end_word":2479,"sentiment":"neutral","sentiment_score":0.10253778566484864},{"text":"That's fine. Perf perfect. Now those three paid inside super because you do get a 15% tax rebate is 3,247.","start_word":2480,"end_word":2499,"sentiment":"positive","sentiment_score":0.4452601969242096},{"text":"And then you also have a split so that you do get a little bit of extra benefits as well by having a small portion paid outside super. Mhmm. And that premium is $12.97 a month. Okay. Yep. Any questions with any of that, or that's pretty straightforward? No. That's pretty straightforward. No.","start_word":2500,"end_word":2552,"sentiment":"neutral","sentiment_score":0.1940666139125824},{"text":"Perfect.","start_word":2553,"end_word":2553,"sentiment":"positive","sentiment_score":0.33418160676956177},{"text":"Now if you go back into the email, you should also see and I won't get you to open that, but you should have three where it says TAO certificate of currency and then TAO, CRC IP. Yes. That just Yes. breaks down the insurances we just kind of touched on just in a little bit more detail but just let you know that's all paid and up to date for you. Yes. No codes. Yep.","start_word":2554,"end_word":2629,"sentiment":"neutral","sentiment_score":0.11723458766937256},{"text":"Perfect.","start_word":2630,"end_word":2630,"sentiment":"positive","sentiment_score":0.40637123584747314},{"text":"And the other one is your twelve month hub twenty four performance report. Yep. If you wanna open that for me. Yes. Yep.","start_word":2631,"end_word":2653,"sentiment":"neutral","sentiment_score":0.1414654701948166},{"text":"Perfect.","start_word":2654,"end_word":2654,"sentiment":"positive","sentiment_score":0.3964605927467346},{"text":"Now this one here gives you a breakdown of what's happened in your portfolio in the last twelve months. So kinda like I touched on a little bit earlier, we've obviously had a bit of fluctuations in the last twelve months. Uh-huh. But despite all of that, your portfolio has done really well. So in the last twelve months, after all fees, your portfolio has still gone up by 11.57%, Oh, which that's is good really too.","start_word":2655,"end_word":2731,"sentiment":"neutral","sentiment_score":0.161202535033226},{"text":"good, yeah, Yep. really good in today's market condition.","start_word":2732,"end_word":2740,"sentiment":"positive","sentiment_score":0.5088180303573608},{"text":"Now I do wanna point out that, obviously, with investment, things are always changing, and it is good to do a bit of, you know, research and stuff on your investments all the time because there's always Mhmm. things that could potentially change. So we and the investment committee do a lot of research on the investments. And after kind of deep diving a little bit into one of And after kind of deep diving a little bit into one of your investments, which is your Benelon Australian Equities, we are looking at potentially swapping this one for another option if you are happy for me to do that research. Yeah. 100%. Yeah.","start_word":2741,"end_word":2853,"sentiment":"neutral","sentiment_score":0.06826738419785963},{"text":"Great. Perfect.","start_word":2854,"end_word":2855,"sentiment":"positive","sentiment_score":0.6806175708770752},{"text":"The reason being is, Belle, is that investment was added to your portfolio. It is a managed fund, and the purpose was through actively buying, sell different investments in order to try to outperform the market. When you came on board and for a lot of the time, they were one of the best performing fund managers and had done really well. More recently, we have found they've kind of underperformed a little bit. And if it's when we do the research and we should see them being a bit slower with making investment choices or it might not be the best option for you moving forward, we definitely obviously wanna have that approach where we can do a bit more research and look to change it if there's better options out there through making sure that we always have you in the best position possible. Yes. That's fine. So Yeah. So I will go and do some research on the investment there for you, and I will then put together a bit of a proposal if I find something more suitable. Now it will take me about a week to put all of that together. When is a good time for you to kind of quickly run through that with me over the phone? Look. It really and look. This time, anytime, like, any day, I can probably fit it in here. Okay. Let Afternoons me have for a look. me is always gonna be better. Okay. So Perfect. Let me have a look. if I'm on-site, I'll be back in Yes. the office by this time. So Okay. Well, I probably could do this time, so 3PM, mhmm. on Thursday May 7. Would that work for you? Yep. That's fine. Yeah? Okay.","start_word":2856,"end_word":3149,"sentiment":"neutral","sentiment_score":0.07267874479293823},{"text":"Perfect.","start_word":3150,"end_word":3150,"sentiment":"positive","sentiment_score":0.3928620815277099},{"text":"So that is all booked in on Thursday, May 7. Would you like a reminder text sent, like, an hour or two before the appointment in case anything comes up for you?","start_word":3151,"end_word":3182,"sentiment":"neutral","sentiment_score":0.09654700011014938},{"text":"Yeah. That'll be great.","start_word":3183,"end_word":3186,"sentiment":"positive","sentiment_score":0.6581606864929199},{"text":"Just in Yeah. case. Yes. Yeah. And and if anything does change with work or anything like that and you can't make it, just let me know, and I'll see if I can shuffle a few things around for you. No. No worries. Yeah. I see. Now the last thing before I let you go and enjoy the rest of your afternoon, Anthony, is if you then click on the link where it says sign now, it will ask you to sign through documents, I believe, if you are happy to do so. And Mhmm.","start_word":3187,"end_word":3281,"sentiment":"neutral","sentiment_score":0.17979438602924347},{"text":"that is your ongoing service agreement just to say that you're happy to remain and stay on as a client.","start_word":3282,"end_word":3301,"sentiment":"positive","sentiment_score":0.3406307101249695},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start_word":3302,"end_word":3313,"sentiment":"neutral","sentiment_score":0.0922168642282486},{"text":"It stays exactly the same.","start_word":3314,"end_word":3318,"sentiment":"positive","sentiment_score":0.34587782621383667},{"text":"Because your wife is a client, that is staying the same at that reduced rate of 1.1% from super. No No changes worries. in regards to that. And there should also be there might be a tax file number opt in compliance form as well that ask you to sign. I'm just Can seeing you see those? I've just seen I've gone Or it might just be the ongoing. page one of three. Yes? And on the third is sign. Okay. Yep. Perfect. I don't Sorry. know where validate and send completed yet. Okay. Yeah. Yep. And as with anything, it's not a lock in contract at any point in time, but at least this lets us, you know, keep servicing you and everything in in the meantime. And Two minutes. once you've You'll get this. Yep. yep. And then once you've added the signature, it should I think it says, Yeah. oh, yep. I've actually already got a notification.","start_word":3319,"end_word":3478,"sentiment":"neutral","sentiment_score":0.08847391605377197},{"text":"Great.","start_word":3479,"end_word":3479,"sentiment":"positive","sentiment_score":0.45643115043640137},{"text":"When technology works fast. Yeah. And I've and I've got a mistake. Yes.","start_word":3480,"end_word":3492,"sentiment":"neutral","sentiment_score":0.0014021071838214991},{"text":"Perfect.","start_word":3493,"end_word":3493,"sentiment":"positive","sentiment_score":0.3586902618408203},{"text":"Now this is saved as well for you, so you can download them if you would like. If not, I always have a copy on the file. So if at any point in time you want me to send them to you, I have everything on file for you. No worries. That was essentially everything I needed to to kind of check on with you today, Anthony. Do you have any other questions, or was there anything else you wanted to go through before I let you go? No. That'll be fine. No?","start_word":3494,"end_word":3586,"sentiment":"neutral","sentiment_score":0.16621819042390393},{"text":"Thanks. Okay. Perfect. Well, I will let you go and enjoy your afternoon, and I look forward to speaking with you on Thursday, May 7 at 3PM. No worries. Thank you. No problem. We'll speak soon. See you later.","start_word":3587,"end_word":3625,"sentiment":"positive","sentiment_score":0.5526793599128723},{"text":"Bye. See you. Bye.","start_word":3626,"end_word":3629,"sentiment":"neutral","sentiment_score":0.23979854583740232}],"average":{"sentiment":"neutral","sentiment_score":0.10391379733149264}}}}