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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or kind of at the end? Oh, that's great. Well, I will try not to keep you for too long. But, essentially, just before I do jump in through the annual review, I like to start by always asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on. Or Yeah. Yep. Yes. I can yeah. Of course. What's the the new address? Yep. Old Violet, did you say? Yep. Violet Street. How oh, yeah. Ironbark. Yep. 3550. And still in Victoria? Yep. Great. Perfect. I will get that updated on our end and the platforms and everything like that for you. Otherwise, is there any, like, specific areas or concerns or anything like that that you have? Or Yep. Mhmm. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Yep. Yes. Yeah. Yeah. Totally. And with your assets, just so I can update the information here for you, your new property, are you guys moved into it already? Yep. And how much is that one bowed at? Perfect. And how much is the mortgage? Do you know? 1. Yep. Perfect. Now you have the old property as well. Yep. Oh, yep. So Perfect. So that will be turned into an investment property? Yeah. Okay. Perfect. Yep. Mhmm. Mhmm. Mhmm. Perfect. Yes. Perfect. And do you know roughly how much? Yeah. Yep. Perfect. I have it. Perfect. That's great. Let me update that. And do you also have, like, the separate land with the dwelling on it? Oh, perfect. And how much would the that land be worth? That $1.50. Yep. Perfect. And do you know rental income? So the one that has been an investment property for a little while, so the one, I think, at $6.50. How much? Mhmm. Per week. And you Mhmm. Okay. Perfect. Per week as well? Per week as well. Sorry? Yes. Perfect. And do you know roughly what the mortgage repayments are on those? Obviously, the $1.69 wouldn't be three months. Okay. Okay. Yep. Perfect. Because that was going to be kind of my question because like like you said, from an asset point of view, you're in a very good position. Obviously, your your new your new property has a higher mortgage on it, but you do obviously have the true investment property and the land. You are quite rich in assets. You don't have too much debt attached to it. And if you said that the rental income that you guys are receiving is higher than the debt, then you are still kind of slowly paying that off by itself as well, which is really good. And if you can obviously manage that from a cash flow point of view with other expenses and stuff like that with, obviously, property prices continuing always to go up, then you are in a very good position outside super. Then, obviously, what you guys want to do come retirement, you do have a lot of assets. And part of the review that I can do today, which is always good to do every now and then, is to kind of review your super in a bit more in-depth as well to see, well, okay, where are your super at at the moment? When you are looking at retire do you know roughly when you think you would like to retire or start drawing an income from super? Mhmm. Yep. Yeah. Yep. Okay. Perfect. So kind of around 65, maybe, obviously, reduce your hours, work a little bit, and maybe start doing a bit of an income from super, but not completely stop working. Yeah. Okay. Perfect. Because what I can do as well is, like I said, I'll do a bit more in-depth on your investment and your suit and how you are tracking for retirement. And I can do a bit more of an updated, like, projection and stuff as well to give you a bit more of an indication of, okay. Well, the way things are currently looking, by the time I turn 65, this is how much roughly I'm on track to have. And if I draw an income from that, okay, what does that mean from other areas to kind of give you a bit more of clarity on that? Because sometimes it is too every now and then. And Mhmm. Perfect. And I guess when it comes to an ideal income, so just thinking from superannuation that you would like to draw when you do stop working, I have here about a thousand dollars per week. Do you still think that's achievable, like, from a cash flow point of view? Or Mhmm. Yes. Who knows? Oh, yeah. Yep. Okay. Perfect. Now I do wanna quickly run through a a bit of an updated fact find with you there as well, Pippa, to see if there's anything else that's changed that we can then kind of incorporate into the strategy. So I do have you here down as married with one financial dependent. Yeah. Perfect. And I do have here next of kin listed Robert. Perfect. And phone number ending in 433. Is that still the case? No. Yep. Okay. Is there a separate one in the event that this phone number for some reason doesn't work or an alternative or not really? No. Okay. That's okay. I will just update it. If it ever does change, just just let us know because it's always good to have a separate one on file just if for some reason something happens to this phone or we cannot get in touch with you. But I will just update it for now. Anyway, it's the same. Now I have you here occupation teacher like you mentioned. Has any of that changed? Still working, or was it full time? Yep. Perfect. And what what kind of teacher are you? Yep. Do do you enjoy it? Yeah. Yeah. And and have you been doing it for long? Yeah. Yes? Yeah. Time goes fast, doesn't it? And I have you here, Don. Income loss was around 125,000. Yep. Yeah. Sure. Convenient. No. That's okay. 10. Mhmm. 118. Okay. Perfect. This wasn't too much of a change. Now you still get the 12% contribution on your income, or is there any, like, enterprise bargain agreements or anything like that with the the school that would give you more? Mhmm. Okay. Perfect. I can just work with that. And that's what goes into your super, so the after tax components? Yep. Great. Perfect. Yep. Okay. Perfect. And you're still happy to maintain that $60 per fortnight as well? Yeah. Perfect. Just because I'll factor that in as well when I do the the calculation and the research for you to show you. Now has anything else changed with your assets? I've obviously updated the property. I also have a motor vehicle at about 25,000. Yes. Yes. Mhmm. If you were to guess, would you think, like, 20 or 30 or forty, fifty more? Okay. Maybe I'll do, like, 35 roughly. And you said that one is paid out, like, it was paid out, so there's owing. Yep. And the other one that you have nothing owing on that one either? No. Perfect. Any other assets otherwise? Perfect. And any other liabilities, like personal loans, credit cards, ZipPay? Yes. Yep. Yeah. Perfect. Just for points and stuff? Yep. Perfect. Now having a look at health and lifestyle, I do have you down here as a nonsmoker. Is that still the case? Yep. Perfect. Any changes to your health otherwise in the last twelve months? No. That's good. And do you have private health insurance? Yes. Perfect. And that is hospital and excess? Yes. Perfect. Now when we have a look at estate planning, I have here that your nomination for overseas super and stuff is Robert at a 100%. That's still accurate? Yep. Perfect. And do you have a will in place? Yep. Perfect. And that's up to date? Yep. Perfect. And do you have a power of attorney nominated as as part of it if something happens? I think yeah. Great. Perfect. Yeah. Most of the time, if you do get it done with, like, a lawyer and stuff, it it tends to be included. So perfect. But you don't have anyone currently making financial decisions on your behalf or anything like that. No. Perfect. And you don't earn any income overseas, do you? No. Perfect. And are you politically exposed or involved directly in politics? No. Great. Perfect. Now, otherwise, I guess, goals that you are wanting to achieve in the next twelve months or so, when we spoke to you last and you'll be obviously settling into the property and everything. But, otherwise, when we spoke to you last year, your main focus was to hopefully go to Scotland for a holiday. Did you guys end up Yeah. Yeah. Yeah. Perfect. Kinda funny. Mhmm. Yeah. Perfect. And, otherwise, it was kind of just, I think, focusing on getting the last child through school. Yep. Perfect. Any other goals or anything else that you guys are working towards? So if that's your main yep. Yep. Perfect. Mortgage. Now the next thing I do wanna run over with you, it is just an updated risk profile questionnaire. It is just multiple choice questions, so there's no right or wrong answer. You would have found this one last year, so it's just to see if anything has changed. Very similar type of questions, but if it doesn't make sense, just let me know. Yeah. Now have you ever bought direct shares yourself? Nope. And next is in regards to inflation. So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more, unfortunately. Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation? Or would you say very high risk, high moderate, or a small amount of risk in order to try not keep up pace with inflation? Value you found out that your portfolio has decreased in value by 20% due to general trends in the market? Oh. Mhmm. Yep. Yep. Go up and down. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens? Mhmm. Perfect. Now the other one is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds or only just for, like, investment property and stuff? Just for investment property. Yep. Perfect. Now that tells me here, Pippa, that you have come out as a high growth investor. And at the moment, we do have you invested in that high growth portfolio. Do you still kind of remember what it means to be a high growth investor? Yeah. K. Yeah. Exactly. Exactly. Is is having that kind of you know, your focus is to grow your super as much as possible in, obviously, the long term to try and get those returns, but short term had a bit of fluctuations with, obviously, the market. And, you know, it is also important to factor in time frames and making sure you have enough time in the market for those fluctuations to come back around. And, typically, in a high growth portfolio, we want to allow at least eight years until retirement. So at the moment, if you are thinking obviously more around the '65 onwards, then you do have the time, you know, behind you for those fluctuations if you're still comfortable, you know, remaining in a high growth portfolio? Yeah. Great. Perfect. Now do you have access to your emails at the moment or or not really right now? No. Yeah. That's okay. That's okay. Perfect. Now now what I have done is not too much more to go as well. So what I have done for you is I've just sent you an email with the interview document. So when you have a moment later, have a read through them. Any questions, just let me know. Or, obviously, if you have a read through it and you're happy with everything, I would just need you to sign the documents. I'll get notified, and then we obviously can keep, you know, the arrangement and servicing and everything. But, essentially, what you what you have a look at when you get it and it might look a little bit different because we've recently changed the software. So once you get the email, if you click on the link, it will just take you to the documents that needs signing. And the only thing that needs signing is the ongoing service agreement. Obviously, say that you're happy to stay on as a client. There's no, obviously, changes to the fees or anything like that. It all stays exactly the same at that 1.65. And then there's also just a a tax file number opt in form just basically from a compliance point to say that we are keeping your tax file number secure on file. Those are the only ones that need signing. And then before you click on the link, you will see a couple of other attachments just for your review. And there is an updated financial services guide. You would have seen this one before, but we've recently made some changes to our marketing, which is great. Had a bit of an extension to the team. So it just just gives you a bit of information about, you know, all the teams and the directors and all our advisers and everything like that for you. So feel free to have a read over that when you have a moment. Otherwise, you also have your super and insurance summary. And that one shows you that in your Netwealth account at the moment, you do have about 275602 in there. And you also have insurances with Neos. So with your Neos insurances, you have an income protection policy, and that is split inside superannuation and then also to give you outside to give you some of those benefits. And the the income protection is paying $8,033 per month, thirty day waiting period, and a five year benefit period. Now inside superannuation after the tax rebate, that is $4,679. And then you also pay $26 a month for the outside portion. Are you still happy with that insurance arrangement and everything like that? Yeah. Perfect. And, obviously, confirming you don't have any, you know, life or total permanent disability, and you're feel comfortable with that? Yes. Great. Perfect. Now the the last attachment that you will kind of see as well is then a breakdown of your portfolio. So that one gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. Now as you have a look through it as well, you would see all the individual investments and how they have performed. Now there is one investment that I do wanna particularly look at at swapping out for you that kind of has underperformed a little bit recently, and that is one that's called Benelong Australian Equity. Now this one is a little bit different. It is a a managed fund, and it was added to your portfolio when you came on board because it was doing really, really well. Recently, it has kind of underperformed. So I would like to look at swapping that one out for something else that's going to do a little bit better for you. The biggest reason why they did kind of underperform recently, it wasn't necessarily them per se, but it was one of their investments that they were invested in with the corporate travel group. They had a bit of issues with their reporting. We kind of caused it a suspension of trading. So that's why everything kind of falls down. So we've done a lot of research on that, but don't think it's going to be the best option moving forward. So I would like to look at swapping that out for something else for you. Now for example, your gold that you have in your portfolio has done really well lately, so that one has gone up 55%. Obviously, been along yeah. So been along has been down. We've seen a bit of fluctuation in, you know, cybersecurity with, obviously, technology and everything like that. Your Europe and your Japan has done really well, so it's kinda been a bit of a mix of the investments. So I think now is a good time as well to do that review of the investments to make sure that moving forward as well, they are going to be the best options for you so that you can retire at 65 when you can. So I will go and have a review of those for you. I'll put together a new strategy for you. I'll present it through you, and then you can obviously let me know if you are happy with that or if you want to make any changes. Yes. Perfect. No. That's okay. Now it will take me a couple of weeks for me to get together all of this research for you. But as soon as I do, I will give you a call and run through it, and then we take it from there. Mhmm. Perfect. Now, Pippa, do you have any other questions or need anything else from me before I, let you go otherwise? Perfect. Yeah. Perfect. Have a look through it. You know, any questions or anything like that, just let me know. Like I said, if it all makes sense, I will just need you to sign the documents if you're happy to do so, and then we can get that all uploaded in that world. And in the meantime, I will do that research for you. And, otherwise, I look forward to speaking with you in the next couple of weeks. Perfect. You enjoy the rest of your afternoon. Thanks. 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afternoon, Pippa. This is Veronica from OQ Financial. How are you this afternoon? I'm good. Thanks.\n\nI had you booked in for 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 with you.\n\nPerfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? Been busy or kind of at the end? Oh, that's great. Well, I will try not to keep you for too long. But, essentially, just before I do jump in through the annual review, I like to start by always asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on.\n\nOr Yeah. Yep. Yes. I can yeah. Of course.\n\nWhat's the the new address? Yep. Old Violet, did you say? Yep. Violet Street.\n\nHow oh, yeah. Ironbark. Yep. 3550. And still in Victoria?\n\nYep. Great. Perfect. I will get that updated on our end and the platforms and everything like that for you. Otherwise, is there any, like, specific areas or concerns or anything like that that you have?\n\nOr Yep. Mhmm. Yeah. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yes. Mhmm. Yep.\n\nYes. Yeah. Yeah. Totally. And with your assets, just so I can update the information here for you, your new property, are you guys moved into it already?\n\nYep. And how much is that one bowed at? Perfect. And how much is the mortgage? Do you know?\n\n1. Yep. Perfect. Now you have the old property as well. Yep.\n\nOh, yep. So Perfect. So that will be turned into an investment property? Yeah. Okay.\n\nPerfect. Yep. Mhmm. Mhmm. Mhmm.\n\nPerfect. Yes. Perfect. And do you know roughly how much? Yeah.\n\nYep. Perfect. I have it. Perfect. That's great.\n\nLet me update that. And do you also have, like, the separate land with the dwelling on it? Oh, perfect. And how much would the that land be worth? That $1.50.\n\nYep. Perfect. And do you know rental income? So the one that has been an investment property for a little while, so the one, I think, at $6.50. How much?\n\nMhmm. Per week. And you Mhmm. Okay. Perfect.\n\nPer week as well? Per week as well. Sorry? Yes. Perfect.\n\nAnd do you know roughly what the mortgage repayments are on those? Obviously, the $1.69 wouldn't be three months. Okay. Okay. Yep.\n\nPerfect. Because that was going to be kind of my question because like like you said, from an asset point of view, you're in a very good position. Obviously, your your new your new property has a higher mortgage on it, but you do obviously have the true investment property and the land. You are quite rich in assets. You don't have too much debt attached to it.\n\nAnd if you said that the rental income that you guys are receiving is higher than the debt, then you are still kind of slowly paying that off by itself as well, which is really good. And if you can obviously manage that from a cash flow point of view with other expenses and stuff like that with, obviously, property prices continuing always to go up, then you are in a very good position outside super. Then, obviously, what you guys want to do come retirement, you do have a lot of assets. And part of the review that I can do today, which is always good to do every now and then, is to kind of review your super in a bit more in-depth as well to see, well, okay, where are your super at at the moment? When you are looking at retire do you know roughly when you think you would like to retire or start drawing an income from super?\n\nMhmm. Yep. Yeah. Yep. Okay.\n\nPerfect. So kind of around 65, maybe, obviously, reduce your hours, work a little bit, and maybe start doing a bit of an income from super, but not completely stop working. Yeah. Okay. Perfect.\n\nBecause what I can do as well is, like I said, I'll do a bit more in-depth on your investment and your suit and how you are tracking for retirement. And I can do a bit more of an updated, like, projection and stuff as well to give you a bit more of an indication of, okay. Well, the way things are currently looking, by the time I turn 65, this is how much roughly I'm on track to have. And if I draw an income from that, okay, what does that mean from other areas to kind of give you a bit more of clarity on that? Because sometimes it is too every now and then.\n\nAnd Mhmm. Perfect. And I guess when it comes to an ideal income, so just thinking from superannuation that you would like to draw when you do stop working, I have here about a thousand dollars per week. Do you still think that's achievable, like, from a cash flow point of view? Or Mhmm.\n\nYes. Who knows? Oh, yeah. Yep. Okay.\n\nPerfect. Now I do wanna quickly run through a a bit of an updated fact find with you there as well, Pippa, to see if there's anything else that's changed that we can then kind of incorporate into the strategy. So I do have you here down as married with one financial dependent. Yeah. Perfect.\n\nAnd I do have here next of kin listed Robert. Perfect. And phone number ending in 433. Is that still the case? No.\n\nYep. Okay. Is there a separate one in the event that this phone number for some reason doesn't work or an alternative or not really? No. Okay.\n\nThat's okay. I will just update it. If it ever does change, just just let us know because it's always good to have a separate one on file just if for some reason something happens to this phone or we cannot get in touch with you. But I will just update it for now. Anyway, it's the same.\n\nNow I have you here occupation teacher like you mentioned. Has any of that changed? Still working, or was it full time? Yep. Perfect.\n\nAnd what what kind of teacher are you? Yep. Do do you enjoy it? Yeah. Yeah.\n\nAnd and have you been doing it for long? Yeah. Yes? Yeah. Time goes fast, doesn't it?\n\nAnd I have you here, Don. Income loss was around 125,000. Yep. Yeah. Sure.\n\nConvenient. No. That's okay. 10. Mhmm.\n\n118. Okay. Perfect. This wasn't too much of a change. Now you still get the 12% contribution on your income, or is there any, like, enterprise bargain agreements or anything like that with the the school that would give you more?\n\nMhmm. Okay. Perfect. I can just work with that. And that's what goes into your super, so the after tax components?\n\nYep. Great. Perfect. Yep. Okay.\n\nPerfect. And you're still happy to maintain that $60 per fortnight as well? Yeah. Perfect. Just because I'll factor that in as well when I do the the calculation and the research for you to show you.\n\nNow has anything else changed with your assets? I've obviously updated the property. I also have a motor vehicle at about 25,000. Yes. Yes.\n\nMhmm. If you were to guess, would you think, like, 20 or 30 or forty, fifty more? Okay. Maybe I'll do, like, 35 roughly. And you said that one is paid out, like, it was paid out, so there's owing.\n\nYep. And the other one that you have nothing owing on that one either? No. Perfect. Any other assets otherwise?\n\nPerfect. And any other liabilities, like personal loans, credit cards, ZipPay? Yes. Yep. Yeah.\n\nPerfect. Just for points and stuff? Yep. Perfect. Now having a look at health and lifestyle, I do have you down here as a nonsmoker.\n\nIs that still the case? Yep. Perfect. Any changes to your health otherwise in the last twelve months? No.\n\nThat's good. And do you have private health insurance? Yes. Perfect. And that is hospital and excess?\n\nYes. Perfect. Now when we have a look at estate planning, I have here that your nomination for overseas super and stuff is Robert at a 100%. That's still accurate? Yep.\n\nPerfect. And do you have a will in place? Yep. Perfect. And that's up to date?\n\nYep. Perfect. And do you have a power of attorney nominated as as part of it if something happens? I think yeah. Great.\n\nPerfect. Yeah. Most of the time, if you do get it done with, like, a lawyer and stuff, it it tends to be included. So perfect. But you don't have anyone currently making financial decisions on your behalf or anything like that.\n\nNo. Perfect. And you don't earn any income overseas, do you? No. Perfect.\n\nAnd are you politically exposed or involved directly in politics? No. Great. Perfect. Now, otherwise, I guess, goals that you are wanting to achieve in the next twelve months or so, when we spoke to you last and you'll be obviously settling into the property and everything.\n\nBut, otherwise, when we spoke to you last year, your main focus was to hopefully go to Scotland for a holiday. Did you guys end up Yeah. Yeah. Yeah. Perfect.\n\nKinda funny. Mhmm. Yeah. Perfect. And, otherwise, it was kind of just, I think, focusing on getting the last child through school.\n\nYep. Perfect. Any other goals or anything else that you guys are working towards? So if that's your main yep. Yep.\n\nPerfect. Mortgage. Now the next thing I do wanna run over with you, it is just an updated risk profile questionnaire. It is just multiple choice questions, so there's no right or wrong answer. You would have found this one last year, so it's just to see if anything has changed.\n\nVery similar type of questions, but if it doesn't make sense, just let me know. Yeah. Now have you ever bought direct shares yourself? Nope. And next is in regards to inflation.\n\nSo inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more, unfortunately. Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation? Or would you say very high risk, high moderate, or a small amount of risk in order to try not keep up pace with inflation? Value you found out that your portfolio has decreased in value by 20% due to general trends in the market? Oh.\n\nMhmm. Yep. Yep. Go up and down. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens?\n\nMhmm. Perfect. Now the other one is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds or only just for, like, investment property and stuff? Just for investment property.\n\nYep. Perfect. Now that tells me here, Pippa, that you have come out as a high growth investor. And at the moment, we do have you invested in that high growth portfolio. Do you still kind of remember what it means to be a high growth investor?\n\nYeah. K. Yeah. Exactly. Exactly.\n\nIs is having that kind of you know, your focus is to grow your super as much as possible in, obviously, the long term to try and get those returns, but short term had a bit of fluctuations with, obviously, the market. And, you know, it is also important to factor in time frames and making sure you have enough time in the market for those fluctuations to come back around. And, typically, in a high growth portfolio, we want to allow at least eight years until retirement. So at the moment, if you are thinking obviously more around the '65 onwards, then you do have the time, you know, behind you for those fluctuations if you're still comfortable, you know, remaining in a high growth portfolio? Yeah.\n\nGreat. Perfect. Now do you have access to your emails at the moment or or not really right now? No. Yeah.\n\nThat's okay. That's okay. Perfect. Now now what I have done is not too much more to go as well. So what I have done for you is I've just sent you an email with the interview document.\n\nSo when you have a moment later, have a read through them. Any questions, just let me know. Or, obviously, if you have a read through it and you're happy with everything, I would just need you to sign the documents. I'll get notified, and then we obviously can keep, you know, the arrangement and servicing and everything. But, essentially, what you what you have a look at when you get it and it might look a little bit different because we've recently changed the software.\n\nSo once you get the email, if you click on the link, it will just take you to the documents that needs signing. And the only thing that needs signing is the ongoing service agreement. Obviously, say that you're happy to stay on as a client. There's no, obviously, changes to the fees or anything like that. It all stays exactly the same at that 1.65.\n\nAnd then there's also just a a tax file number opt in form just basically from a compliance point to say that we are keeping your tax file number secure on file. Those are the only ones that need signing. And then before you click on the link, you will see a couple of other attachments just for your review. And there is an updated financial services guide. You would have seen this one before, but we've recently made some changes to our marketing, which is great.\n\nHad a bit of an extension to the team. So it just just gives you a bit of information about, you know, all the teams and the directors and all our advisers and everything like that for you. So feel free to have a read over that when you have a moment. Otherwise, you also have your super and insurance summary. And that one shows you that in your Netwealth account at the moment, you do have about 275602 in there.\n\nAnd you also have insurances with Neos. So with your Neos insurances, you have an income protection policy, and that is split inside superannuation and then also to give you outside to give you some of those benefits. And the the income protection is paying $8,033 per month, thirty day waiting period, and a five year benefit period. Now inside superannuation after the tax rebate, that is $4,679. And then you also pay $26 a month for the outside portion.\n\nAre you still happy with that insurance arrangement and everything like that? Yeah. Perfect. And, obviously, confirming you don't have any, you know, life or total permanent disability, and you're feel comfortable with that? Yes.\n\nGreat. Perfect. Now the the last attachment that you will kind of see as well is then a breakdown of your portfolio. So that one gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. Now as you have a look through it as well, you would see all the individual investments and how they have performed.\n\nNow there is one investment that I do wanna particularly look at at swapping out for you that kind of has underperformed a little bit recently, and that is one that's called Benelong Australian Equity. Now this one is a little bit different. It is a a managed fund, and it was added to your portfolio when you came on board because it was doing really, really well. Recently, it has kind of underperformed. So I would like to look at swapping that one out for something else that's going to do a little bit better for you.\n\nThe biggest reason why they did kind of underperform recently, it wasn't necessarily them per se, but it was one of their investments that they were invested in with the corporate travel group. They had a bit of issues with their reporting. We kind of caused it a suspension of trading. So that's why everything kind of falls down. So we've done a lot of research on that, but don't think it's going to be the best option moving forward.\n\nSo I would like to look at swapping that out for something else for you. Now for example, your gold that you have in your portfolio has done really well lately, so that one has gone up 55%. Obviously, been along yeah. So been along has been down. We've seen a bit of fluctuation in, you know, cybersecurity with, obviously, technology and everything like that.\n\nYour Europe and your Japan has done really well, so it's kinda been a bit of a mix of the investments. So I think now is a good time as well to do that review of the investments to make sure that moving forward as well, they are going to be the best options for you so that you can retire at 65 when you can. So I will go and have a review of those for you. I'll put together a new strategy for you. I'll present it through you, and then you can obviously let me know if you are happy with that or if you want to make any changes.\n\nYes. Perfect. No. That's okay. Now it will take me a couple of weeks for me to get together all of this research for you.\n\nBut as soon as I do, I will give you a call and run through it, and then we take it from there. Mhmm. Perfect. Now, Pippa, do you have any other questions or need anything else from me before I, let you go otherwise? Perfect.\n\nYeah. Perfect. Have a look through it. You know, any questions or anything like that, just let me know. Like I said, if it all makes sense, I will just need you to sign the documents if you're happy to do so, and then we can get that all uploaded in that world.\n\nAnd in the meantime, I will do that research for you. And, otherwise, I look forward to speaking with you in the next couple of weeks. Perfect. You enjoy the rest of your afternoon. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Pippa.","start":2.8,"end":3.76,"sentiment":"positive","sentiment_score":0.4219213128089905},{"text":"This is Veronica from OQ Financial.","start":3.76,"end":5.7,"sentiment":"neutral","sentiment_score":0.30204899112383526},{"text":"How are you this afternoon?","start":5.8399997,"end":6.98,"sentiment":"neutral","sentiment_score":0.3055126130580902},{"text":"I'm good.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.5765591859817505},{"text":"Thanks.","start":9.76,"end":10.26,"sentiment":"positive","sentiment_score":0.6573574542999268}],"sentiment":"positive","sentiment_score":0.3774174574543448,"num_words":17,"start":2.8,"end":10.26},{"sentences":[{"text":"I had you booked in for your annual review.","start":11.04,"end":13.325,"sentiment":"positive","sentiment_score":0.3898458149698045},{"text":"Is now still a good time for you?","start":13.325,"end":15.025,"sentiment":"neutral","sentiment_score":0.30939971283078194},{"text":"Yep.","start":15.805,"end":16.305,"sentiment":"positive","sentiment_score":0.43916329741477966},{"text":"Perfect.","start":16.925,"end":17.425,"sentiment":"positive","sentiment_score":0.4822268784046173},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with you.","start":17.885,"end":28.099998,"sentiment":"neutral","sentiment_score":0.058090360054085334}],"sentiment":"neutral","sentiment_score":0.17412002749741076,"num_words":50,"start":11.04,"end":28.099998},{"sentences":[{"text":"Perfect.","start":28.099998,"end":28.599998,"sentiment":"neutral","sentiment_score":0.2514864504337311},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":28.74,"end":36.44,"sentiment":"neutral","sentiment_score":0.06284602874746689},{"text":"Yep.","start":44.795,"end":45.195,"sentiment":"neutral","sentiment_score":0.14885061979293823},{"text":"Perfect.","start":45.195,"end":45.595,"sentiment":"positive","sentiment_score":0.45777609944343567},{"text":"That's exactly what I have here.","start":45.595,"end":47.355,"sentiment":"positive","sentiment_score":0.5083728929360708}],"sentiment":"neutral","sentiment_score":0.1583527792777334,"num_words":35,"start":28.099998,"end":47.355},{"sentences":[{"text":"And how's your day been so far?","start":47.355,"end":49.195,"sentiment":"neutral","sentiment_score":0.10703070568186897},{"text":"Been busy or kind of at the end?","start":49.195,"end":50.79,"sentiment":"neutral","sentiment_score":0.0020063600968569517},{"text":"Oh, that's great.","start":53.670002,"end":54.65,"sentiment":"neutral","sentiment_score":0.32753880818684894},{"text":"Well, I will try not to keep you for too long.","start":56.07,"end":58.97,"sentiment":"neutral","sentiment_score":0.05277515947818756},{"text":"But, essentially, just before I do jump in through the annual review, I like to start by always asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on.","start":60.07,"end":73.055,"sentiment":"neutral","sentiment_score":0.03812530621265372}],"sentiment":"neutral","sentiment_score":0.054005502565921126,"num_words":77,"start":47.355,"end":73.055},{"sentences":[{"text":"Or Yeah.","start":73.055,"end":74.355,"sentiment":"neutral","sentiment_score":0.0038277353160083294},{"text":"Yep.","start":79.92,"end":80.42,"sentiment":"neutral","sentiment_score":0.03937549889087677},{"text":"Yes.","start":83.12,"end":83.62,"sentiment":"neutral","sentiment_score":0.09311085939407349},{"text":"I can yeah.","start":84.72,"end":86.34,"sentiment":"neutral","sentiment_score":0.14235088725884756},{"text":"Of course.","start":86.64,"end":87.38,"sentiment":"neutral","sentiment_score":0.032101782970130444}],"sentiment":"neutral","sentiment_score":0.07015533962597449,"num_words":9,"start":73.055,"end":87.38},{"sentences":[{"text":"What's the the new address?","start":87.44,"end":88.875,"sentiment":"neutral","sentiment_score":0.019753966853022574},{"text":"Yep.","start":93.035,"end":93.535,"sentiment":"neutral","sentiment_score":0.017491688951849937},{"text":"Old Violet, did you say?","start":96.875,"end":98.735,"sentiment":"neutral","sentiment_score":0.014307588711380959},{"text":"Yep.","start":99.835,"end":100.315,"sentiment":"neutral","sentiment_score":0.021319951862096783},{"text":"Violet Street.","start":100.315,"end":104.32,"sentiment":"neutral","sentiment_score":0.02470141462981701}],"sentiment":"neutral","sentiment_score":0.0184658748496856,"num_words":14,"start":87.44,"end":104.32},{"sentences":[{"text":"How oh, yeah.","start":104.32,"end":105.119995,"sentiment":"neutral","sentiment_score":0.04721676930785179},{"text":"Ironbark.","start":105.119995,"end":105.619995,"sentiment":"neutral","sentiment_score":0.035642869770526886},{"text":"Yep.","start":105.76,"end":106.26,"sentiment":"neutral","sentiment_score":0.03647403419017792},{"text":"3550.","start":109.44,"end":111.14,"sentiment":"neutral","sentiment_score":0.019000114873051643},{"text":"And still in Victoria?","start":111.2,"end":112.42,"sentiment":"neutral","sentiment_score":0.024217349011451006}],"sentiment":"neutral","sentiment_score":0.032963672280311586,"num_words":10,"start":104.32,"end":112.42},{"sentences":[{"text":"Yep.","start":113.84,"end":114.24,"sentiment":"neutral","sentiment_score":0.11373164504766464},{"text":"Great.","start":114.24,"end":114.64,"sentiment":"positive","sentiment_score":0.46646595001220703},{"text":"Perfect.","start":114.64,"end":115.14,"sentiment":"positive","sentiment_score":0.4543786644935608},{"text":"I will get that updated on our end and the platforms and everything like that for you.","start":116.0,"end":121.755,"sentiment":"positive","sentiment_score":0.36737388372421265},{"text":"Otherwise, is there any, like, specific areas or concerns or anything like that that you have?","start":123.814995,"end":128.39499,"sentiment":"neutral","sentiment_score":0.07540456973947585}],"sentiment":"neutral","sentiment_score":0.23573348329712948,"num_words":36,"start":113.84,"end":128.39499},{"sentences":[{"text":"Or Yep.","start":129.36,"end":138.74,"sentiment":"neutral","sentiment_score":0.04235900193452835},{"text":"Mhmm.","start":138.88,"end":139.38,"sentiment":"neutral","sentiment_score":0.17051750421524048},{"text":"Yeah.","start":140.0,"end":140.5,"sentiment":"neutral","sentiment_score":-0.006448190659284592},{"text":"Mhmm.","start":147.465,"end":147.965,"sentiment":"neutral","sentiment_score":-0.03086363524198532},{"text":"Mhmm.","start":155.705,"end":156.205,"sentiment":"neutral","sentiment_score":-0.01200755126774311}],"sentiment":"neutral","sentiment_score":0.03431935515254736,"num_words":6,"start":129.36,"end":156.205},{"sentences":[{"text":"Mhmm.","start":156.425,"end":156.925,"sentiment":"neutral","sentiment_score":-0.011939801275730131},{"text":"Mhmm.","start":157.08,"end":157.58,"sentiment":"neutral","sentiment_score":-0.019999423995614052},{"text":"Yes.","start":166.12,"end":166.62,"sentiment":"neutral","sentiment_score":-0.09789501130580902},{"text":"Mhmm.","start":170.28,"end":170.745,"sentiment":"neutral","sentiment_score":-0.01642257533967495},{"text":"Yep.","start":175.78499,"end":176.28499,"sentiment":"neutral","sentiment_score":-0.04282118380069733}],"sentiment":"neutral","sentiment_score":-0.037815599143505095,"num_words":5,"start":156.425,"end":176.28499},{"sentences":[{"text":"Yes.","start":190.97,"end":191.47,"sentiment":"neutral","sentiment_score":0.07622011005878448},{"text":"Yeah.","start":194.81,"end":195.29,"sentiment":"neutral","sentiment_score":0.07491453737020493},{"text":"Yeah.","start":195.29,"end":195.61,"sentiment":"neutral","sentiment_score":0.10740983486175536},{"text":"Totally.","start":195.61,"end":196.11,"sentiment":"neutral","sentiment_score":0.1833987832069397},{"text":"And with your assets, just so I can update the information here for you, your new property, are you guys moved into it already?","start":196.615,"end":204.55501,"sentiment":"neutral","sentiment_score":0.09562452944616477}],"sentiment":"neutral","sentiment_score":0.09774757043591567,"num_words":28,"start":190.97,"end":204.55501},{"sentences":[{"text":"Yep.","start":205.575,"end":206.075,"sentiment":"neutral","sentiment_score":0.030496817082166672},{"text":"And how much is that one bowed at?","start":206.215,"end":208.8,"sentiment":"neutral","sentiment_score":0.028339269338175654},{"text":"Perfect.","start":213.12,"end":213.62,"sentiment":"neutral","sentiment_score":0.21742144227027893},{"text":"And how much is the mortgage?","start":214.64,"end":217.3,"sentiment":"neutral","sentiment_score":0.05846480466425419},{"text":"Do you know?","start":217.36,"end":218.18001,"sentiment":"neutral","sentiment_score":0.012275471662481626}],"sentiment":"neutral","sentiment_score":0.0453814556332011,"num_words":19,"start":205.575,"end":218.18001},{"sentences":[{"text":"1.","start":219.44,"end":219.94,"sentiment":"neutral","sentiment_score":0.0143715413287282},{"text":"Yep.","start":220.0,"end":220.5,"sentiment":"neutral","sentiment_score":0.03227480128407478},{"text":"Perfect.","start":220.8,"end":221.3,"sentiment":"neutral","sentiment_score":0.1832595467567444},{"text":"Now you have the old property as well.","start":223.935,"end":229.155,"sentiment":"neutral","sentiment_score":0.03386285784654319},{"text":"Yep.","start":231.295,"end":231.795,"sentiment":"neutral","sentiment_score":0.049590956419706345}],"sentiment":"neutral","sentiment_score":0.04586664238013327,"num_words":12,"start":219.44,"end":231.795},{"sentences":[{"text":"Oh, yep.","start":235.535,"end":236.275,"sentiment":"neutral","sentiment_score":0.023865400813519955},{"text":"So Perfect.","start":236.4,"end":241.7,"sentiment":"neutral","sentiment_score":0.11002786364406349},{"text":"So that will be turned into an investment property?","start":241.92,"end":244.26,"sentiment":"neutral","sentiment_score":0.11638868600130081},{"text":"Yeah.","start":245.28,"end":245.76,"sentiment":"neutral","sentiment_score":0.07986325770616531},{"text":"Okay.","start":245.76,"end":246.23999,"sentiment":"neutral","sentiment_score":0.12580975890159607}],"sentiment":"neutral","sentiment_score":0.10139718130230904,"num_words":15,"start":235.535,"end":246.23999},{"sentences":[{"text":"Perfect.","start":246.23999,"end":246.73999,"sentiment":"neutral","sentiment_score":0.23075389862060547},{"text":"Yep.","start":251.36,"end":251.86,"sentiment":"neutral","sentiment_score":0.07974954694509506},{"text":"Mhmm.","start":252.0,"end":252.375,"sentiment":"neutral","sentiment_score":0.05810771882534027},{"text":"Mhmm.","start":253.255,"end":253.755,"sentiment":"neutral","sentiment_score":0.04444018006324768},{"text":"Mhmm.","start":259.895,"end":260.145,"sentiment":"neutral","sentiment_score":0.07904072105884552}],"sentiment":"neutral","sentiment_score":0.0984184131026268,"num_words":5,"start":246.23999,"end":260.145},{"sentences":[{"text":"Perfect.","start":260.145,"end":260.645,"sentiment":"neutral","sentiment_score":0.2198117971420288},{"text":"Yes.","start":268.59003,"end":269.09003,"sentiment":"neutral","sentiment_score":0.1649230271577835},{"text":"Perfect.","start":269.31003,"end":269.79,"sentiment":"neutral","sentiment_score":0.2457796037197113},{"text":"And do you know roughly how much?","start":269.79,"end":271.89,"sentiment":"neutral","sentiment_score":0.05241644276039941},{"text":"Yeah.","start":281.07,"end":281.355,"sentiment":"neutral","sentiment_score":0.026817314326763153}],"sentiment":"neutral","sentiment_score":0.09311334924264388,"num_words":11,"start":260.145,"end":281.355},{"sentences":[{"text":"Yep.","start":283.915,"end":284.415,"sentiment":"neutral","sentiment_score":0.177101731300354},{"text":"Perfect.","start":284.55502,"end":285.05502,"sentiment":"positive","sentiment_score":0.5699186325073242},{"text":"I have it.","start":297.34,"end":298.32,"sentiment":"neutral","sentiment_score":-0.02934138725201289},{"text":"Perfect.","start":302.13998,"end":302.63998,"sentiment":"positive","sentiment_score":0.5684282779693604},{"text":"That's great.","start":302.7,"end":303.52,"sentiment":"positive","sentiment_score":0.6764310598373413}],"sentiment":"neutral","sentiment_score":0.3225358249619603,"num_words":8,"start":283.915,"end":303.52},{"sentences":[{"text":"Let me update that.","start":305.34,"end":306.615,"sentiment":"neutral","sentiment_score":0.30235274136066437},{"text":"And do you also have, like, the separate land with the dwelling on it?","start":306.775,"end":310.47498,"sentiment":"neutral","sentiment_score":0.05195813812315464},{"text":"Oh, perfect.","start":315.655,"end":316.215,"sentiment":"neutral","sentiment_score":0.14188025146722794},{"text":"And how much would the that land be worth?","start":316.215,"end":319.23,"sentiment":"neutral","sentiment_score":0.030573450442817476},{"text":"That $1.50.","start":328.35,"end":329.41,"sentiment":"neutral","sentiment_score":0.014422067441046238}],"sentiment":"neutral","sentiment_score":0.08143840616028156,"num_words":31,"start":305.34,"end":329.41},{"sentences":[{"text":"Yep.","start":329.47,"end":329.79,"sentiment":"neutral","sentiment_score":0.07857225835323334},{"text":"Perfect.","start":329.79,"end":330.19,"sentiment":"neutral","sentiment_score":0.2077714204788208},{"text":"And do you know rental income?","start":330.19,"end":336.02502,"sentiment":"neutral","sentiment_score":0.04293375462293625},{"text":"So the one that has been an investment property for a little while, so the one, I think, at $6.50.","start":336.02502,"end":341.005,"sentiment":"neutral","sentiment_score":0.025402948400005697},{"text":"How much?","start":342.665,"end":343.565,"sentiment":"neutral","sentiment_score":0.0094176079146564}],"sentiment":"neutral","sentiment_score":0.03569467967996995,"num_words":30,"start":329.47,"end":343.565},{"sentences":[{"text":"Mhmm.","start":344.185,"end":344.55,"sentiment":"neutral","sentiment_score":0.005623459815979004},{"text":"Per week.","start":348.87,"end":349.66998,"sentiment":"neutral","sentiment_score":0.005254490301012993},{"text":"And you Mhmm.","start":349.66998,"end":352.81,"sentiment":"neutral","sentiment_score":-0.00358073723812898},{"text":"Okay.","start":358.87,"end":359.37,"sentiment":"neutral","sentiment_score":0.07311044633388519},{"text":"Perfect.","start":359.50998,"end":360.00998,"sentiment":"neutral","sentiment_score":0.13958363234996796}],"sentiment":"neutral","sentiment_score":0.0272605384234339,"num_words":8,"start":344.185,"end":360.00998},{"sentences":[{"text":"Per week as well?","start":360.395,"end":362.815,"sentiment":"neutral","sentiment_score":0.041660194750875235},{"text":"Per week as well.","start":362.875,"end":363.835,"sentiment":"neutral","sentiment_score":0.006430667592212558},{"text":"Sorry?","start":363.835,"end":364.335,"sentiment":"neutral","sentiment_score":0.0000692480243742466},{"text":"Yes.","start":365.035,"end":365.535,"sentiment":"neutral","sentiment_score":0.06629785895347595},{"text":"Perfect.","start":365.675,"end":366.175,"sentiment":"neutral","sentiment_score":0.14296938478946686}],"sentiment":"neutral","sentiment_score":0.036518176467242563,"num_words":11,"start":360.395,"end":366.175},{"sentences":[{"text":"And do you know roughly what the mortgage repayments are on those?","start":366.875,"end":371.595,"sentiment":"neutral","sentiment_score":0.010433281539008021},{"text":"Obviously, the $1.69 wouldn't be three months.","start":371.595,"end":374.255,"sentiment":"neutral","sentiment_score":-0.073154017329216},{"text":"Okay.","start":377.4,"end":377.9,"sentiment":"neutral","sentiment_score":-0.04869799688458443},{"text":"Okay.","start":385.0,"end":385.5,"sentiment":"neutral","sentiment_score":0.04229677468538284},{"text":"Yep.","start":386.52,"end":387.02,"sentiment":"neutral","sentiment_score":0.07834997028112411}],"sentiment":"neutral","sentiment_score":-0.014314999761567875,"num_words":22,"start":366.875,"end":387.02},{"sentences":[{"text":"Perfect.","start":387.08,"end":387.435,"sentiment":"neutral","sentiment_score":0.1673761010169983},{"text":"Because that was going to be kind of my question because like like you said, from an asset point of view, you're in a very good position.","start":387.595,"end":394.095,"sentiment":"neutral","sentiment_score":0.15531175845751055},{"text":"Obviously, your your new your new property has a higher mortgage on it, but you do obviously have the true investment property and the land.","start":395.035,"end":403.135,"sentiment":"neutral","sentiment_score":0.13807400166988373},{"text":"You are quite rich in assets.","start":403.73,"end":405.51,"sentiment":"neutral","sentiment_score":0.32058600584665936},{"text":"You don't have too much debt attached to it.","start":405.73,"end":407.97,"sentiment":"neutral","sentiment_score":0.08649120148685244}],"sentiment":"neutral","sentiment_score":0.15462618337615447,"num_words":68,"start":387.08,"end":407.97},{"sentences":[{"text":"And if you said that the rental income that you guys are receiving is higher than the debt, then you are still kind of slowly paying that off by itself as well, which is really good.","start":407.97,"end":418.615,"sentiment":"neutral","sentiment_score":0.1840067371312115},{"text":"And if you can obviously manage that from a cash flow point of view with other expenses and stuff like that with, obviously, property prices continuing always to go up, then you are in a very good position outside super.","start":418.615,"end":432.55,"sentiment":"neutral","sentiment_score":0.2352945514023304},{"text":"Then, obviously, what you guys want to do come retirement, you do have a lot of assets.","start":432.85,"end":437.19,"sentiment":"positive","sentiment_score":0.3402559669578777},{"text":"And part of the review that I can do today, which is always good to do every now and then, is to kind of review your super in a bit more in-depth as well to see, well, okay, where are your super at at the moment?","start":437.65,"end":449.98502,"sentiment":"neutral","sentiment_score":0.14488570254458033},{"text":"When you are looking at retire do you know roughly when you think you would like to retire or start drawing an income from super?","start":450.685,"end":458.385,"sentiment":"neutral","sentiment_score":0.028674153089523317}],"sentiment":"neutral","sentiment_score":0.17806080594749712,"num_words":164,"start":407.97,"end":458.385},{"sentences":[{"text":"Mhmm.","start":477.635,"end":478.135,"sentiment":"neutral","sentiment_score":-0.03185774385929108},{"text":"Yep.","start":478.755,"end":479.255,"sentiment":"neutral","sentiment_score":0.0678819864988327},{"text":"Yeah.","start":480.355,"end":480.855,"sentiment":"neutral","sentiment_score":0.0901498943567276},{"text":"Yep.","start":487.155,"end":487.655,"sentiment":"neutral","sentiment_score":0.07471725344657898},{"text":"Okay.","start":488.035,"end":488.535,"sentiment":"neutral","sentiment_score":0.12244413793087006}],"sentiment":"neutral","sentiment_score":0.06466710567474365,"num_words":5,"start":477.635,"end":488.535},{"sentences":[{"text":"Perfect.","start":489.155,"end":489.655,"sentiment":"positive","sentiment_score":0.4611419141292572},{"text":"So kind of around 65, maybe, obviously, reduce your hours, work a little bit, and maybe start doing a bit of an income from super, but not completely stop working.","start":489.77,"end":500.75,"sentiment":"neutral","sentiment_score":0.052592050780852634},{"text":"Yeah.","start":501.37,"end":501.69,"sentiment":"neutral","sentiment_score":0.13185426592826843},{"text":"Okay.","start":501.69,"end":502.09,"sentiment":"neutral","sentiment_score":0.2821406126022339},{"text":"Perfect.","start":502.09,"end":502.59,"sentiment":"positive","sentiment_score":0.5608184337615967}],"sentiment":"neutral","sentiment_score":0.08863872793667457,"num_words":34,"start":489.155,"end":502.59},{"sentences":[{"text":"Because what I can do as well is, like I said, I'll do a bit more in-depth on your investment and your suit and how you are tracking for retirement.","start":503.515,"end":510.415,"sentiment":"positive","sentiment_score":0.3444691533843676},{"text":"And I can do a bit more of an updated, like, projection and stuff as well to give you a bit more of an indication of, okay.","start":510.875,"end":517.86,"sentiment":"neutral","sentiment_score":0.20080559949080148},{"text":"Well, the way things are currently looking, by the time I turn 65, this is how much roughly I'm on track to have.","start":517.86,"end":525.64,"sentiment":"neutral","sentiment_score":0.1980025454059891},{"text":"And if I draw an income from that, okay, what does that mean from other areas to kind of give you a bit more of clarity on that?","start":525.86,"end":533.355,"sentiment":"neutral","sentiment_score":0.12758213441286767},{"text":"Because sometimes it is too every now and then.","start":533.355,"end":536.095,"sentiment":"neutral","sentiment_score":-0.06900446944766575}],"sentiment":"neutral","sentiment_score":0.19881319547565574,"num_words":117,"start":503.515,"end":536.095},{"sentences":[{"text":"And Mhmm.","start":538.315,"end":539.675,"sentiment":"neutral","sentiment_score":0.06940098106861115},{"text":"Perfect.","start":539.675,"end":540.175,"sentiment":"neutral","sentiment_score":0.020577603951096535},{"text":"And I guess when it comes to an ideal income, so just thinking from superannuation that you would like to draw when you do stop working, I have here about a thousand dollars per week.","start":540.315,"end":552.0,"sentiment":"neutral","sentiment_score":0.027762020166431155},{"text":"Do you still think that's achievable, like, from a cash flow point of view?","start":552.0,"end":556.015,"sentiment":"neutral","sentiment_score":0.07819822616875172},{"text":"Or Mhmm.","start":556.015,"end":559.315,"sentiment":"neutral","sentiment_score":-0.049892899580299854}],"sentiment":"neutral","sentiment_score":0.039371104428061736,"num_words":54,"start":538.315,"end":559.315},{"sentences":[{"text":"Yes.","start":560.815,"end":561.315,"sentiment":"neutral","sentiment_score":-0.07742340862751007},{"text":"Who knows?","start":561.695,"end":562.435,"sentiment":"neutral","sentiment_score":-0.16149087250232697},{"text":"Oh, yeah.","start":564.33496,"end":564.995,"sentiment":"neutral","sentiment_score":-0.03713201638311148},{"text":"Yep.","start":570.895,"end":571.26,"sentiment":"neutral","sentiment_score":0.14361107349395752},{"text":"Okay.","start":571.42,"end":571.92,"sentiment":"neutral","sentiment_score":0.17841297388076782}],"sentiment":"neutral","sentiment_score":-0.021806448431951658,"num_words":7,"start":560.815,"end":571.92},{"sentences":[{"text":"Perfect.","start":573.10004,"end":573.60004,"sentiment":"positive","sentiment_score":0.5550838708877563},{"text":"Now I do wanna quickly run through a a bit of an updated fact find with you there as well, Pippa, to see if there's anything else that's changed that we can then kind of incorporate into the strategy.","start":575.02,"end":585.84,"sentiment":"neutral","sentiment_score":0.181588219335446},{"text":"So I do have you here down as married with one financial dependent.","start":585.98,"end":591.14496,"sentiment":"neutral","sentiment_score":0.0750079659315256},{"text":"Yeah.","start":592.325,"end":592.725,"sentiment":"neutral","sentiment_score":0.16890624165534973},{"text":"Perfect.","start":592.725,"end":593.225,"sentiment":"neutral","sentiment_score":0.330025851726532}],"sentiment":"neutral","sentiment_score":0.16565563773567027,"num_words":55,"start":573.10004,"end":593.225},{"sentences":[{"text":"And I do have here next of kin listed Robert.","start":593.605,"end":596.58496,"sentiment":"neutral","sentiment_score":0.15899378657341004},{"text":"Perfect.","start":597.765,"end":598.265,"sentiment":"neutral","sentiment_score":0.2197163701057434},{"text":"And phone number ending in 433.","start":598.40497,"end":600.88,"sentiment":"neutral","sentiment_score":0.07500124350190163},{"text":"Is that still the case?","start":600.88,"end":602.1,"sentiment":"neutral","sentiment_score":0.06892456263303756},{"text":"No.","start":603.6,"end":604.1,"sentiment":"neutral","sentiment_score":-0.025648880749940872}],"sentiment":"neutral","sentiment_score":0.11211459257680437,"num_words":23,"start":593.605,"end":604.1},{"sentences":[{"text":"Yep.","start":606.48,"end":606.98,"sentiment":"neutral","sentiment_score":0.058407556265592575},{"text":"Okay.","start":608.39996,"end":608.89996,"sentiment":"neutral","sentiment_score":0.02292298525571823},{"text":"Is there a separate one in the event that this phone number for some reason doesn't work or an alternative or not really?","start":609.27997,"end":616.895,"sentiment":"neutral","sentiment_score":-0.013608626494912998},{"text":"No.","start":618.395,"end":618.875,"sentiment":"neutral","sentiment_score":-0.04056831449270248},{"text":"Okay.","start":618.875,"end":619.195,"sentiment":"neutral","sentiment_score":-0.004761816002428532}],"sentiment":"neutral","sentiment_score":-0.010259185124326635,"num_words":27,"start":606.48,"end":619.195},{"sentences":[{"text":"That's okay.","start":619.195,"end":620.075,"sentiment":"neutral","sentiment_score":0.04967105947434902},{"text":"I will just update it.","start":620.075,"end":621.61505,"sentiment":"neutral","sentiment_score":0.06521170809864998},{"text":"If it ever does change, just just let us know because it's always good to have a separate one on file just if for some reason something happens to this phone or we cannot get in touch with you.","start":622.075,"end":631.37,"sentiment":"neutral","sentiment_score":0.01773747386267552},{"text":"But I will just update it for now.","start":631.75,"end":633.19,"sentiment":"neutral","sentiment_score":0.03469278337433934},{"text":"Anyway, it's the same.","start":633.19,"end":634.65,"sentiment":"neutral","sentiment_score":0.04899956379085779}],"sentiment":"neutral","sentiment_score":0.027425907969731707,"num_words":58,"start":619.195,"end":634.65},{"sentences":[{"text":"Now I have you here occupation teacher like you mentioned.","start":636.15,"end":639.05,"sentiment":"neutral","sentiment_score":0.03307786155492067},{"text":"Has any of that changed?","start":640.39,"end":641.83496,"sentiment":"neutral","sentiment_score":0.017230848874896766},{"text":"Still working, or was it full time?","start":641.83496,"end":643.51495,"sentiment":"neutral","sentiment_score":-0.005181031966848033},{"text":"Yep.","start":643.51495,"end":643.995,"sentiment":"neutral","sentiment_score":0.052889347076416016},{"text":"Perfect.","start":643.995,"end":644.495,"sentiment":"neutral","sentiment_score":0.1912524402141571}],"sentiment":"neutral","sentiment_score":0.026033642643596977,"num_words":24,"start":636.15,"end":644.495},{"sentences":[{"text":"And what what kind of teacher are you?","start":645.435,"end":648.175,"sentiment":"neutral","sentiment_score":0.05452024796977639},{"text":"Yep.","start":651.995,"end":652.495,"sentiment":"neutral","sentiment_score":0.09534528106451036},{"text":"Do do you enjoy it?","start":652.555,"end":653.85,"sentiment":"neutral","sentiment_score":0.2442633867263794},{"text":"Yeah.","start":655.76996,"end":656.26996,"sentiment":"neutral","sentiment_score":0.058365434408187866},{"text":"Yeah.","start":656.97,"end":657.47,"sentiment":"neutral","sentiment_score":0.17150428891181946}],"sentiment":"neutral","sentiment_score":0.12391837011091411,"num_words":16,"start":645.435,"end":657.47},{"sentences":[{"text":"And and have you been doing it for long?","start":658.56995,"end":660.91,"sentiment":"neutral","sentiment_score":0.07509019101659457},{"text":"Yeah.","start":663.93,"end":664.43,"sentiment":"neutral","sentiment_score":0.013650058768689632},{"text":"Yes?","start":673.785,"end":674.285,"sentiment":"neutral","sentiment_score":0.020978111773729324},{"text":"Yeah.","start":676.985,"end":677.485,"sentiment":"neutral","sentiment_score":-0.020243514329195023},{"text":"Time goes fast, doesn't it?","start":677.785,"end":679.885,"sentiment":"neutral","sentiment_score":-0.058342546224594116}],"sentiment":"neutral","sentiment_score":0.023440214367035556,"num_words":17,"start":658.56995,"end":679.885},{"sentences":[{"text":"And I have you here, Don.","start":681.72,"end":683.5,"sentiment":"neutral","sentiment_score":-0.02481121088688572},{"text":"Income loss was around 125,000.","start":683.64,"end":686.77997,"sentiment":"neutral","sentiment_score":-0.0984292596578598},{"text":"Yep.","start":691.16,"end":691.66,"sentiment":"neutral","sentiment_score":0.041540320962667465},{"text":"Yeah.","start":694.44,"end":694.875,"sentiment":"neutral","sentiment_score":0.0411512516438961},{"text":"Sure.","start":694.955,"end":695.455,"sentiment":"neutral","sentiment_score":0.1103312000632286}],"sentiment":"neutral","sentiment_score":-0.03199934221005866,"num_words":14,"start":681.72,"end":695.455},{"sentences":[{"text":"Convenient.","start":698.795,"end":699.295,"sentiment":"neutral","sentiment_score":0.2678335905075073},{"text":"No.","start":712.33,"end":712.57,"sentiment":"neutral","sentiment_score":-0.07325585931539536},{"text":"That's okay.","start":712.57,"end":713.31,"sentiment":"neutral","sentiment_score":-0.09215697273612022},{"text":"10.","start":749.38,"end":749.475,"sentiment":"neutral","sentiment_score":-0.06442771852016449},{"text":"Mhmm.","start":762.435,"end":762.84,"sentiment":"neutral","sentiment_score":-0.01865985244512558}],"sentiment":"neutral","sentiment_score":-0.012137297540903091,"num_words":6,"start":698.795,"end":762.84},{"sentences":[{"text":"118.","start":766.60004,"end":767.4,"sentiment":"neutral","sentiment_score":-0.004676189739257097},{"text":"Okay.","start":767.4,"end":767.88,"sentiment":"neutral","sentiment_score":0.046354278922080994},{"text":"Perfect.","start":767.88,"end":768.38,"sentiment":"positive","sentiment_score":0.348659873008728},{"text":"This wasn't too much of a change.","start":768.68005,"end":770.38,"sentiment":"neutral","sentiment_score":0.08158950614077705},{"text":"Now you still get the 12% contribution on your income, or is there any, like, enterprise bargain agreements or anything like that with the the school that would give you more?","start":771.88,"end":785.515,"sentiment":"neutral","sentiment_score":0.02524043439376739}],"sentiment":"neutral","sentiment_score":0.04253458466789708,"num_words":41,"start":766.60004,"end":785.515},{"sentences":[{"text":"Mhmm.","start":804.55,"end":804.945,"sentiment":"neutral","sentiment_score":0.0065710172057151794},{"text":"Okay.","start":807.505,"end":807.905,"sentiment":"neutral","sentiment_score":0.15034785866737366},{"text":"Perfect.","start":807.905,"end":808.22504,"sentiment":"positive","sentiment_score":0.3500797152519226},{"text":"I can just work with that.","start":808.22504,"end":809.685,"sentiment":"neutral","sentiment_score":0.28702321151892346},{"text":"And that's what goes into your super, so the after tax 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you're still happy to maintain that $60 per fortnight as well?","start":828.35004,"end":832.615,"sentiment":"neutral","sentiment_score":0.2764509531358878},{"text":"Yeah.","start":833.475,"end":833.875,"sentiment":"neutral","sentiment_score":0.2252105176448822},{"text":"Perfect.","start":833.875,"end":834.375,"sentiment":"neutral","sentiment_score":0.3314339220523834},{"text":"Just because I'll factor that in as well when I do the the calculation and the research for you to show you.","start":834.435,"end":839.895,"sentiment":"neutral","sentiment_score":0.2220183868299831}],"sentiment":"neutral","sentiment_score":0.24654650325710709,"num_words":37,"start":826.51,"end":839.895},{"sentences":[{"text":"Now has anything else changed with your assets?","start":840.83496,"end":842.995,"sentiment":"neutral","sentiment_score":0.04761158861219883},{"text":"I've obviously updated the property.","start":842.995,"end":844.695,"sentiment":"neutral","sentiment_score":0.06329865008592606},{"text":"I 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excess?","start":936.31995,"end":938.18,"sentiment":"neutral","sentiment_score":0.0708943357070287}],"sentiment":"neutral","sentiment_score":0.11009837435010601,"num_words":17,"start":929.92,"end":938.18},{"sentences":[{"text":"Yes.","start":939.19995,"end":939.68,"sentiment":"neutral","sentiment_score":0.12108621001243591},{"text":"Perfect.","start":939.68,"end":940.18,"sentiment":"neutral","sentiment_score":0.27346017956733704},{"text":"Now when we have a look at estate planning, I have here that your nomination for overseas super and stuff is Robert at a 100%.","start":941.12,"end":952.125,"sentiment":"neutral","sentiment_score":0.18601311683654786},{"text":"That's still accurate?","start":952.125,"end":953.505,"sentiment":"neutral","sentiment_score":0.11386769513289134},{"text":"Yep.","start":954.045,"end":954.445,"sentiment":"neutral","sentiment_score":0.088298499584198}],"sentiment":"neutral","sentiment_score":0.17660567404762392,"num_words":31,"start":939.19995,"end":954.445},{"sentences":[{"text":"Perfect.","start":954.445,"end":954.945,"sentiment":"neutral","sentiment_score":0.21431103348731995},{"text":"And do you have a will in place?","start":955.52,"end":957.38,"sentiment":"neutral","sentiment_score":0.1003843704238534},{"text":"Yep.","start":958.56,"end":959.04004,"sentiment":"neutral","sentiment_score":0.07794555276632309},{"text":"Perfect.","start":959.04004,"end":959.36,"sentiment":"neutral","sentiment_score":0.18628661334514615},{"text":"And that's up to date?","start":959.36,"end":960.74,"sentiment":"neutral","sentiment_score":0.09731436222791671}],"sentiment":"neutral","sentiment_score":0.110511873383075,"num_words":16,"start":954.445,"end":960.74},{"sentences":[{"text":"Yep.","start":962.64,"end":963.04004,"sentiment":"neutral","sentiment_score":0.06201557815074921},{"text":"Perfect.","start":963.04004,"end":963.54004,"sentiment":"neutral","sentiment_score":0.1514672040939331},{"text":"And do you have a power of attorney nominated as as part of it if something happens?","start":964.72003,"end":969.80505,"sentiment":"neutral","sentiment_score":0.062490331995136594},{"text":"I think yeah.","start":974.745,"end":980.04,"sentiment":"neutral","sentiment_score":-0.016445254286130265},{"text":"Great.","start":980.19995,"end":980.44,"sentiment":"positive","sentiment_score":0.38646256923675537}],"sentiment":"neutral","sentiment_score":0.0701280535887117,"num_words":23,"start":962.64,"end":980.44},{"sentences":[{"text":"Perfect.","start":980.44,"end":980.92,"sentiment":"neutral","sentiment_score":0.3269929587841034},{"text":"Yeah.","start":980.92,"end":981.07996,"sentiment":"neutral","sentiment_score":0.1545565277338028},{"text":"Most of the time, if you do get it done with, like, a lawyer and stuff, it it tends to be included.","start":981.07996,"end":985.82,"sentiment":"neutral","sentiment_score":0.15987201644615692},{"text":"So perfect.","start":986.75995,"end":987.39996,"sentiment":"neutral","sentiment_score":0.15670618414878845},{"text":"But you don't have anyone currently making financial decisions on your behalf or anything like that.","start":987.39996,"end":991.72,"sentiment":"neutral","sentiment_score":-0.04689970624167472}],"sentiment":"neutral","sentiment_score":0.08480359325628906,"num_words":42,"start":980.44,"end":991.72},{"sentences":[{"text":"No.","start":991.72,"end":991.95996,"sentiment":"neutral","sentiment_score":-0.07291484624147415},{"text":"Perfect.","start":991.95996,"end":992.45996,"sentiment":"neutral","sentiment_score":0.011002980172634125},{"text":"And you don't earn any income overseas, do you?","start":993.41504,"end":997.03503,"sentiment":"neutral","sentiment_score":-0.060523461964395314},{"text":"No.","start":997.655,"end":997.895,"sentiment":"neutral","sentiment_score":-0.14930880069732666},{"text":"Perfect.","start":997.895,"end":998.395,"sentiment":"neutral","sentiment_score":-0.09731531143188477}],"sentiment":"neutral","sentiment_score":-0.0656343950675084,"num_words":13,"start":991.72,"end":998.395},{"sentences":[{"text":"And are you politically exposed or involved directly in politics?","start":998.455,"end":1003.59503,"sentiment":"neutral","sentiment_score":-0.11543155461549759},{"text":"No.","start":1004.775,"end":1005.17505,"sentiment":"neutral","sentiment_score":-0.0563800185918808},{"text":"Great.","start":1005.17505,"end":1005.575,"sentiment":"positive","sentiment_score":0.6245303153991699},{"text":"Perfect.","start":1005.575,"end":1006.075,"sentiment":"positive","sentiment_score":0.6523497700691223},{"text":"Now, otherwise, I guess, goals that you are wanting to achieve in the next twelve months or so, when we spoke to you last and you'll be obviously settling into the property and everything.","start":1007.83997,"end":1018.32,"sentiment":"neutral","sentiment_score":0.27936694288955016}],"sentiment":"neutral","sentiment_score":0.20350341657374768,"num_words":47,"start":998.455,"end":1018.32},{"sentences":[{"text":"But, otherwise, when we spoke to you last year, your main focus was to hopefully go to Scotland for a holiday.","start":1018.32,"end":1025.615,"sentiment":"neutral","sentiment_score":0.10657858138992674},{"text":"Did you guys end up Yeah.","start":1026.715,"end":1028.895,"sentiment":"neutral","sentiment_score":-0.09862796838084857},{"text":"Yeah.","start":1036.6901,"end":1037.1901,"sentiment":"neutral","sentiment_score":-0.032812733203172684},{"text":"Yeah.","start":1041.7301,"end":1042.2301,"sentiment":"neutral","sentiment_score":0.06148649752140045},{"text":"Perfect.","start":1042.29,"end":1042.79,"sentiment":"neutral","sentiment_score":0.16787703335285187}],"sentiment":"neutral","sentiment_score":0.06143110655248165,"num_words":30,"start":1018.32,"end":1042.79},{"sentences":[{"text":"Kinda funny.","start":1042.8501,"end":1043.67,"sentiment":"neutral","sentiment_score":0.00767888966947794},{"text":"Mhmm.","start":1043.9701,"end":1044.4701,"sentiment":"neutral","sentiment_score":-0.047117285430431366},{"text":"Yeah.","start":1049.895,"end":1050.395,"sentiment":"neutral","sentiment_score":0.05432216078042984},{"text":"Perfect.","start":1051.095,"end":1051.595,"sentiment":"positive","sentiment_score":0.36444926261901855},{"text":"And, otherwise, it was kind of just, I think, focusing on getting the last child through school.","start":1052.855,"end":1059.9401,"sentiment":"neutral","sentiment_score":0.14458437044830882}],"sentiment":"neutral","sentiment_score":0.12931573704223742,"num_words":22,"start":1042.8501,"end":1059.9401},{"sentences":[{"text":"Yep.","start":1060.16,"end":1060.66,"sentiment":"neutral","sentiment_score":0.1002732515335083},{"text":"Perfect.","start":1060.8,"end":1061.3,"sentiment":"positive","sentiment_score":0.4235848784446716},{"text":"Any other goals or anything else that you guys are working towards?","start":1062.2401,"end":1065.68,"sentiment":"neutral","sentiment_score":0.23589658488829932},{"text":"So if that's your main yep.","start":1065.68,"end":1068.3401,"sentiment":"neutral","sentiment_score":-0.021356774494051933},{"text":"Yep.","start":1073.525,"end":1073.845,"sentiment":"neutral","sentiment_score":0.14438462257385254}],"sentiment":"neutral","sentiment_score":0.16051719639272916,"num_words":21,"start":1060.16,"end":1073.845},{"sentences":[{"text":"Perfect.","start":1073.845,"end":1074.345,"sentiment":"neutral","sentiment_score":0.2942923903465271},{"text":"Mortgage.","start":1076.085,"end":1076.585,"sentiment":"neutral","sentiment_score":0.09827607870101927},{"text":"Now the next thing I do wanna run over with you, it is just an updated risk profile questionnaire.","start":1078.085,"end":1083.145,"sentiment":"neutral","sentiment_score":0.04698684380242699},{"text":"It is just multiple choice questions, so there's no right or wrong answer.","start":1084.085,"end":1088.1849,"sentiment":"neutral","sentiment_score":-0.0016791034274949478},{"text":"You would have found this one last year, so it's just to see if anything has changed.","start":1088.69,"end":1092.95,"sentiment":"neutral","sentiment_score":-0.016370845739455783}],"sentiment":"neutral","sentiment_score":0.019317368218930913,"num_words":51,"start":1073.845,"end":1092.95},{"sentences":[{"text":"Very similar type of questions, but if it doesn't make sense, just let me know.","start":1093.57,"end":1097.19,"sentiment":"neutral","sentiment_score":-0.10975473374128342},{"text":"Yeah.","start":1097.8099,"end":1098.3099,"sentiment":"neutral","sentiment_score":-0.0027156639844179153},{"text":"Now have you ever bought direct shares yourself?","start":1098.85,"end":1101.51,"sentiment":"neutral","sentiment_score":-0.014188647968694568},{"text":"Nope.","start":1103.395,"end":1103.895,"sentiment":"neutral","sentiment_score":-0.12520796060562134},{"text":"And next is in regards to inflation.","start":1109.7151,"end":1112.055,"sentiment":"neutral","sentiment_score":-0.0586370336157935}],"sentiment":"neutral","sentiment_score":-0.0718191578052938,"num_words":32,"start":1093.57,"end":1112.055},{"sentences":[{"text":"So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more, unfortunately.","start":1112.435,"end":1121.61,"sentiment":"neutral","sentiment_score":-0.2308305908854191},{"text":"Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation?","start":1123.19,"end":1132.035,"sentiment":"neutral","sentiment_score":-0.1706507310823158},{"text":"Or would you say very high risk, high moderate, or a small amount of risk in order to try not keep up pace with inflation?","start":1133.295,"end":1142.115,"sentiment":"neutral","sentiment_score":-0.1991277103126049},{"text":"Value you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start":1157.69,"end":1166.255,"sentiment":"negative","sentiment_score":-0.3616486765444279},{"text":"Oh.","start":1167.4349,"end":1167.9349,"sentiment":"neutral","sentiment_score":-0.1052803248167038}],"sentiment":"neutral","sentiment_score":-0.23157183551276572,"num_words":99,"start":1112.435,"end":1167.9349},{"sentences":[{"text":"Mhmm.","start":1168.315,"end":1168.815,"sentiment":"neutral","sentiment_score":-0.07200351357460022},{"text":"Yep.","start":1170.635,"end":1171.135,"sentiment":"neutral","sentiment_score":-0.13923221826553345},{"text":"Yep.","start":1173.12,"end":1173.36,"sentiment":"neutral","sentiment_score":-0.06500522792339325},{"text":"Go up and down.","start":1173.36,"end":1174.58,"sentiment":"neutral","sentiment_score":-0.0967153962701559},{"text":"Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens?","start":1175.52,"end":1185.765,"sentiment":"neutral","sentiment_score":0.05717607844798338}],"sentiment":"neutral","sentiment_score":0.03547536224430921,"num_words":49,"start":1168.315,"end":1185.765},{"sentences":[{"text":"Mhmm.","start":1194.725,"end":1195.205,"sentiment":"neutral","sentiment_score":0.08031358569860458},{"text":"Perfect.","start":1195.205,"end":1195.705,"sentiment":"neutral","sentiment_score":0.2538434565067291},{"text":"Now the other one is in regards to borrowing money.","start":1198.8201,"end":1203.9601,"sentiment":"neutral","sentiment_score":0.050357169657945636},{"text":"So would you ever consider taking out a loan to invest in stocks or funds or only just for, like, investment property and stuff?","start":1204.26,"end":1212.075,"sentiment":"neutral","sentiment_score":0.07822963315993547},{"text":"Just for investment property.","start":1213.6749,"end":1215.0349,"sentiment":"neutral","sentiment_score":0.037068971898406744}],"sentiment":"neutral","sentiment_score":0.07158789555542171,"num_words":40,"start":1194.725,"end":1215.0349},{"sentences":[{"text":"Yep.","start":1215.0349,"end":1215.4349,"sentiment":"neutral","sentiment_score":0.20172318816185},{"text":"Perfect.","start":1215.4349,"end":1215.9349,"sentiment":"positive","sentiment_score":0.3674978017807007},{"text":"Now that tells me here, Pippa, that you have come out as a high growth investor.","start":1216.635,"end":1220.495,"sentiment":"neutral","sentiment_score":0.31504002772271633},{"text":"And at the moment, we do have you invested in that high growth portfolio.","start":1221.595,"end":1225.375,"sentiment":"neutral","sentiment_score":0.1957353577017784},{"text":"Do you still kind of remember what it means to be a high growth investor?","start":1226.46,"end":1230.48,"sentiment":"neutral","sentiment_score":0.0817519115904967}],"sentiment":"neutral","sentiment_score":0.20375393862102895,"num_words":47,"start":1215.0349,"end":1230.48},{"sentences":[{"text":"Yeah.","start":1231.9,"end":1232.3,"sentiment":"neutral","sentiment_score":0.02855023182928562},{"text":"K.","start":1232.3,"end":1232.8,"sentiment":"neutral","sentiment_score":0.002194669097661972},{"text":"Yeah.","start":1236.94,"end":1237.44,"sentiment":"neutral","sentiment_score":-0.007246512919664383},{"text":"Exactly.","start":1237.5,"end":1238.0,"sentiment":"neutral","sentiment_score":-0.019331466406583783},{"text":"Exactly.","start":1242.1649,"end":1242.6649,"sentiment":"neutral","sentiment_score":-0.013147195801138878}],"sentiment":"neutral","sentiment_score":-0.00179605484008789,"num_words":5,"start":1231.9,"end":1242.6649},{"sentences":[{"text":"Is is having that kind of you know, your focus is to grow your super as much as possible in, obviously, the long term to try and get those returns, but short term had a bit of fluctuations with, obviously, the market.","start":1242.8049,"end":1254.4401,"sentiment":"neutral","sentiment_score":0.01918376547594865},{"text":"And, you know, it is also important to factor in time frames and making sure you have enough time in the market for those fluctuations to come back around.","start":1254.5,"end":1262.68,"sentiment":"neutral","sentiment_score":0.025253898496257848},{"text":"And, typically, in a high growth portfolio, we want to allow at least eight years until retirement.","start":1263.14,"end":1268.4049,"sentiment":"neutral","sentiment_score":0.037041850607184804},{"text":"So at the moment, if you are thinking obviously more around the '65 onwards, then you do have the time, you know, behind you for those fluctuations if you're still comfortable, you know, remaining in a high growth portfolio?","start":1269.4249,"end":1282.13,"sentiment":"neutral","sentiment_score":0.05294839311868717},{"text":"Yeah.","start":1283.71,"end":1284.11,"sentiment":"neutral","sentiment_score":0.3110905587673187}],"sentiment":"neutral","sentiment_score":0.035498988727340475,"num_words":128,"start":1242.8049,"end":1284.11},{"sentences":[{"text":"Great.","start":1284.11,"end":1284.51,"sentiment":"positive","sentiment_score":0.7010350227355957},{"text":"Perfect.","start":1284.51,"end":1285.01,"sentiment":"positive","sentiment_score":0.6284195780754089},{"text":"Now do you have access to your emails at the moment or or not really right now?","start":1286.11,"end":1291.6499,"sentiment":"neutral","sentiment_score":0.10796733222463552},{"text":"No.","start":1293.5499,"end":1293.71,"sentiment":"neutral","sentiment_score":-0.07903935760259628},{"text":"Yeah.","start":1293.71,"end":1294.0299,"sentiment":"neutral","sentiment_score":-0.031792424619197845}],"sentiment":"neutral","sentiment_score":0.14543178411466734,"num_words":21,"start":1284.11,"end":1294.0299},{"sentences":[{"text":"That's okay.","start":1294.0299,"end":1294.85,"sentiment":"neutral","sentiment_score":-0.02038039593026042},{"text":"That's okay.","start":1298.2151,"end":1299.035,"sentiment":"neutral","sentiment_score":0.027968522161245346},{"text":"Perfect.","start":1299.495,"end":1299.995,"sentiment":"positive","sentiment_score":0.35709571838378906},{"text":"Now now what I have done is not too much more to go as well.","start":1300.295,"end":1305.655,"sentiment":"neutral","sentiment_score":-0.03129087835550308},{"text":"So what I have done for you is I've just sent you an email with the interview document.","start":1305.655,"end":1310.8099,"sentiment":"neutral","sentiment_score":0.16135677653882238}],"sentiment":"neutral","sentiment_score":0.07387712561084252,"num_words":38,"start":1294.0299,"end":1310.8099},{"sentences":[{"text":"So when you have a moment later, have a read through them.","start":1310.87,"end":1313.75,"sentiment":"neutral","sentiment_score":0.11229465529322624},{"text":"Any questions, just let me know.","start":1313.75,"end":1315.7699,"sentiment":"neutral","sentiment_score":0.14208601415157318},{"text":"Or, obviously, if you have a read through it and you're happy with everything, I would just need you to sign the documents.","start":1316.6299,"end":1321.7699,"sentiment":"neutral","sentiment_score":0.1811622458955516},{"text":"I'll get notified, and then we obviously can keep, you know, the arrangement and servicing and everything.","start":1322.615,"end":1327.8351,"sentiment":"neutral","sentiment_score":0.17812852999743292},{"text":"But, essentially, what you what you have a look at when you get it and it might look a little bit different because we've recently changed the software.","start":1328.295,"end":1334.635,"sentiment":"neutral","sentiment_score":0.04626903383593474}],"sentiment":"neutral","sentiment_score":0.12430815769056248,"num_words":86,"start":1310.87,"end":1334.635},{"sentences":[{"text":"So once you get the email, if you click on the link, it will just take you to the documents that needs signing.","start":1335.21,"end":1341.23,"sentiment":"neutral","sentiment_score":0.0876356823288876},{"text":"And the only thing that needs signing is the ongoing service agreement.","start":1341.77,"end":1346.11,"sentiment":"neutral","sentiment_score":0.13189459095398584},{"text":"Obviously, say that you're happy to stay on as a client.","start":1346.1699,"end":1349.07,"sentiment":"neutral","sentiment_score":0.2930414310910485},{"text":"There's no, obviously, changes to the fees or anything like that.","start":1349.705,"end":1352.425,"sentiment":"neutral","sentiment_score":0.09630141305652531},{"text":"It all stays exactly the same at that 1.65.","start":1352.425,"end":1355.645,"sentiment":"neutral","sentiment_score":0.23644829624229008}],"sentiment":"neutral","sentiment_score":0.15165396570933587,"num_words":66,"start":1335.21,"end":1355.645},{"sentences":[{"text":"And then there's also just a a tax file number opt in form just basically from a compliance point to say that we are keeping your tax file number secure on file.","start":1356.025,"end":1364.4451,"sentiment":"neutral","sentiment_score":0.12621953838970512},{"text":"Those are the only ones that need signing.","start":1364.68,"end":1366.54,"sentiment":"neutral","sentiment_score":0.06672192085534334},{"text":"And then before you click on the link, you will see a couple of other attachments just for your review.","start":1366.84,"end":1372.38,"sentiment":"neutral","sentiment_score":0.08485077321529388},{"text":"And there is an updated financial services guide.","start":1373.4,"end":1376.76,"sentiment":"neutral","sentiment_score":0.18783592991530895},{"text":"You would have seen this one before, but we've recently made some changes to our marketing, which is great.","start":1376.76,"end":1381.2649,"sentiment":"positive","sentiment_score":0.34898840910510015}],"sentiment":"neutral","sentiment_score":0.16555498013722486,"num_words":87,"start":1356.025,"end":1381.2649},{"sentences":[{"text":"Had a bit of an extension to the team.","start":1381.325,"end":1383.505,"sentiment":"neutral","sentiment_score":0.09352845698595047},{"text":"So it just just gives you a bit of information about, you know, all the teams and the directors and all our advisers and everything like that for you.","start":1383.6449,"end":1390.0449,"sentiment":"neutral","sentiment_score":0.15224171866630687},{"text":"So feel free to have a read over that when you have a moment.","start":1390.0449,"end":1393.2649,"sentiment":"neutral","sentiment_score":0.11062501583780561},{"text":"Otherwise, you also have your super and insurance summary.","start":1394.13,"end":1398.63,"sentiment":"neutral","sentiment_score":0.06469513558679157},{"text":"And that one shows you that in your Netwealth account at the moment, you do have about 275602 in there.","start":1399.3301,"end":1409.035,"sentiment":"neutral","sentiment_score":0.06288026627153158}],"sentiment":"neutral","sentiment_score":0.10673305829182084,"num_words":81,"start":1381.325,"end":1409.035},{"sentences":[{"text":"And you also have insurances with Neos.","start":1409.035,"end":1411.935,"sentiment":"neutral","sentiment_score":0.047964797488280704},{"text":"So with your Neos insurances, you have an income protection policy, and that is split inside superannuation and then also to give you outside to give you some of those benefits.","start":1413.8351,"end":1424.74,"sentiment":"neutral","sentiment_score":0.06720599928690542},{"text":"And the the income protection is paying $8,033 per month, thirty day waiting period, and a five year benefit period.","start":1425.52,"end":1435.4601,"sentiment":"neutral","sentiment_score":0.07354885526001453},{"text":"Now inside superannuation after the tax rebate, that is $4,679.","start":1436.0549,"end":1443.5149,"sentiment":"neutral","sentiment_score":0.06490515097975731},{"text":"And then you also pay $26 a month for the outside portion.","start":1444.695,"end":1448.91,"sentiment":"neutral","sentiment_score":0.04499958952267965}],"sentiment":"neutral","sentiment_score":0.06348954061977566,"num_words":80,"start":1409.035,"end":1448.91},{"sentences":[{"text":"Are you still happy with that insurance arrangement and everything like that?","start":1450.8301,"end":1455.73,"sentiment":"neutral","sentiment_score":0.2097915212313334},{"text":"Yeah.","start":1456.75,"end":1457.15,"sentiment":"neutral","sentiment_score":0.3141729235649109},{"text":"Perfect.","start":1457.15,"end":1457.65,"sentiment":"positive","sentiment_score":0.5273103713989258},{"text":"And, obviously, confirming you don't have any, you know, life or total permanent disability, and you're feel comfortable with that?","start":1458.03,"end":1463.655,"sentiment":"neutral","sentiment_score":0.12556275632232428},{"text":"Yes.","start":1466.275,"end":1466.755,"sentiment":"neutral","sentiment_score":0.2543124258518219}],"sentiment":"neutral","sentiment_score":0.17498711720108986,"num_words":35,"start":1450.8301,"end":1466.755},{"sentences":[{"text":"Great.","start":1466.755,"end":1467.075,"sentiment":"positive","sentiment_score":0.5627482533454895},{"text":"Perfect.","start":1467.075,"end":1467.575,"sentiment":"positive","sentiment_score":0.4676968157291413},{"text":"Now the the last attachment that you will kind of see as well is then a breakdown of your portfolio.","start":1469.795,"end":1477.415,"sentiment":"neutral","sentiment_score":0.10685880519449711},{"text":"So that one gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months.","start":1477.88,"end":1484.06,"sentiment":"neutral","sentiment_score":0.0978900073539643},{"text":"Now as you have a look through it as well, you would see all the individual investments and how they have performed.","start":1485.3201,"end":1490.62,"sentiment":"neutral","sentiment_score":0.08922431871972301}],"sentiment":"neutral","sentiment_score":0.11055763598818046,"num_words":65,"start":1466.755,"end":1490.62},{"sentences":[{"text":"Now there is one investment that I do wanna particularly look at at swapping out for you that kind of has underperformed a little bit recently, and that is one that's called Benelong Australian Equity.","start":1492.005,"end":1506.9199,"sentiment":"neutral","sentiment_score":0.011346842880759921},{"text":"Now this one is a little bit different.","start":1507.5399,"end":1509.3799,"sentiment":"neutral","sentiment_score":-0.012332322541624308},{"text":"It is a a managed fund, and it was added to your portfolio when you came on board because it was doing really, really well.","start":1509.3799,"end":1515.72,"sentiment":"neutral","sentiment_score":0.08907135657966136},{"text":"Recently, it has kind of underperformed.","start":1516.5,"end":1518.2799,"sentiment":"neutral","sentiment_score":-0.16960370913147926},{"text":"So I would like to look at swapping that one out for something else that's going to do a little bit better for you.","start":1518.615,"end":1524.075,"sentiment":"neutral","sentiment_score":0.01445736192787687}],"sentiment":"neutral","sentiment_score":0.018924686392503127,"num_words":98,"start":1492.005,"end":1524.075},{"sentences":[{"text":"The biggest reason why they did kind of underperform recently, it wasn't necessarily them per se, but it was one of their investments that they were invested in with the corporate travel group.","start":1525.895,"end":1536.57,"sentiment":"neutral","sentiment_score":-0.10401434056235082},{"text":"They had a bit of issues with their reporting.","start":1536.71,"end":1539.0499,"sentiment":"neutral","sentiment_score":-0.26826782359017265},{"text":"We kind of caused it a suspension of trading.","start":1539.19,"end":1541.5299,"sentiment":"negative","sentiment_score":-0.3900210029549069},{"text":"So that's why everything kind of falls down.","start":1541.75,"end":1543.845,"sentiment":"negative","sentiment_score":-0.38588326424360275},{"text":"So we've done a lot of research on that, but don't think it's going to be the best option moving forward.","start":1544.405,"end":1549.625,"sentiment":"neutral","sentiment_score":-0.19527122839575722}],"sentiment":"neutral","sentiment_score":-0.2068104323465377,"num_words":80,"start":1525.895,"end":1549.625},{"sentences":[{"text":"So I would like to look at swapping that out for something else for you.","start":1549.765,"end":1553.5449,"sentiment":"neutral","sentiment_score":-0.006636444106698036},{"text":"Now for example, your gold that you have in your portfolio has done really well lately, so that one has gone up 55%.","start":1554.965,"end":1561.95,"sentiment":"neutral","sentiment_score":0.2831545015392096},{"text":"Obviously, been along yeah.","start":1562.49,"end":1564.09,"sentiment":"neutral","sentiment_score":0.014090402517467737},{"text":"So been along has been down.","start":1564.09,"end":1565.85,"sentiment":"neutral","sentiment_score":-0.0741962840159734},{"text":"We've seen a bit of fluctuation in, you know, cybersecurity with, obviously, technology and everything like that.","start":1565.85,"end":1571.63,"sentiment":"neutral","sentiment_score":-0.03994752247543896}],"sentiment":"neutral","sentiment_score":0.08223204457989106,"num_words":65,"start":1549.765,"end":1571.63},{"sentences":[{"text":"Your Europe and your Japan has done really well, so it's kinda been a bit of a mix of the investments.","start":1572.535,"end":1577.8351,"sentiment":"neutral","sentiment_score":0.21413260662839526},{"text":"So I think now is a good time as well to do that review of the investments to make sure that moving forward as well, they are going to be the best options for you so that you can retire at 65 when you can.","start":1578.295,"end":1590.46,"sentiment":"neutral","sentiment_score":0.2652463398045964},{"text":"So I will go and have a review of those for you.","start":1591.08,"end":1594.22,"sentiment":"neutral","sentiment_score":0.15805253386497498},{"text":"I'll put together a new strategy for you.","start":1594.76,"end":1597.08,"sentiment":"neutral","sentiment_score":0.23711552657186985},{"text":"I'll present it through you, and then you can obviously let me know if you are happy with that or if you want to make any changes.","start":1597.08,"end":1602.935,"sentiment":"neutral","sentiment_score":0.18847411981335394}],"sentiment":"neutral","sentiment_score":0.22402854764883498,"num_words":113,"start":1572.535,"end":1602.935},{"sentences":[{"text":"Yes.","start":1604.1951,"end":1604.6951,"sentiment":"positive","sentiment_score":0.4860829710960388},{"text":"Perfect.","start":1604.8351,"end":1605.3351,"sentiment":"positive","sentiment_score":0.6226921677589417},{"text":"No.","start":1605.9551,"end":1606.1951,"sentiment":"neutral","sentiment_score":0.06862617284059525},{"text":"That's okay.","start":1606.1951,"end":1606.675,"sentiment":"neutral","sentiment_score":0.046905649825930595},{"text":"Now it will take me a couple of weeks for me to get together all of this research for you.","start":1606.675,"end":1610.915,"sentiment":"neutral","sentiment_score":0.08929720092564822}],"sentiment":"neutral","sentiment_score":0.12228626519441604,"num_words":25,"start":1604.1951,"end":1610.915},{"sentences":[{"text":"But as soon as I do, I will give you a call and run through it, and then we take it from there.","start":1610.915,"end":1616.92,"sentiment":"neutral","sentiment_score":0.11915599392808002},{"text":"Mhmm.","start":1616.92,"end":1617.4,"sentiment":"neutral","sentiment_score":0.12519648671150208},{"text":"Perfect.","start":1617.4,"end":1617.9,"sentiment":"neutral","sentiment_score":0.3317268192768097},{"text":"Now, Pippa, do you have any other questions or need anything else from me before I, let you go otherwise?","start":1618.2,"end":1623.58,"sentiment":"neutral","sentiment_score":0.12200860865414143},{"text":"Perfect.","start":1626.84,"end":1627.34,"sentiment":"positive","sentiment_score":0.5006728172302246}],"sentiment":"neutral","sentiment_score":0.13344252514450447,"num_words":46,"start":1610.915,"end":1627.34},{"sentences":[{"text":"Yeah.","start":1629.32,"end":1629.64,"sentiment":"neutral","sentiment_score":0.2698785960674286},{"text":"Perfect.","start":1629.64,"end":1630.065,"sentiment":"positive","sentiment_score":0.45312362909317017},{"text":"Have a look through it.","start":1630.225,"end":1630.945,"sentiment":"positive","sentiment_score":0.3339559853076935},{"text":"You know, any questions or anything like that, just let me know.","start":1630.945,"end":1634.1449,"sentiment":"neutral","sentiment_score":0.19398421111206213},{"text":"Like I said, if it all makes sense, I will just need you to sign the documents if you're happy to do so, and then we can get that all uploaded in that world.","start":1634.1449,"end":1641.985,"sentiment":"neutral","sentiment_score":0.20709831508643486}],"sentiment":"neutral","sentiment_score":0.22192330939589805,"num_words":53,"start":1629.32,"end":1641.985},{"sentences":[{"text":"And in the meantime, I will do that research for you.","start":1641.985,"end":1644.54,"sentiment":"neutral","sentiment_score":0.19615145569497888},{"text":"And, otherwise, I look forward to speaking with you in the next couple of weeks.","start":1645.1001,"end":1648.64,"sentiment":"positive","sentiment_score":0.5273040518164634},{"text":"Perfect.","start":1653.18,"end":1653.66,"sentiment":"positive","sentiment_score":0.8515087366104126},{"text":"You enjoy the rest of your afternoon.","start":1653.66,"end":1655.28,"sentiment":"positive","sentiment_score":0.702038586139679},{"text":"Thanks.","start":1656.62,"end":1657.12,"sentiment":"positive","sentiment_score":0.6546324491500854}],"sentiment":"positive","sentiment_score":0.471075373675142,"num_words":35,"start":1641.985,"end":1657.12},{"sentences":[{"text":"Bye.","start":1657.42,"end":1657.92,"sentiment":"neutral","sentiment_score":-0.12046045064926147}],"sentiment":"neutral","sentiment_score":-0.12046045064926147,"num_words":1,"start":1657.42,"end":1657.92}]}}]},{"alternatives":[{"transcript":"Hello? Pippa speaking. I'm well. Thank you. How are you? Yes. Yep. This is a good time. Yes. That's fine. Yes. It's Pippa Rourke. 6 Of The 61973. 2505 Prairie Rochester Road in Kennison. It's been it's been pretty good. Yes. Yep. Well, look, the the main thing is I we have just in the last few weeks moved house, so I need to update my address. If I can do that, that would be good. The new address is 71 Old Violet Street. Yep. Yes. In Ironbark. Yep. And the postcode 3550. Yes. Great. Well, look. I guess the the point we're at is we have we've bought a bought a new house, which is great, but we haven't sold any of our other property. So I guess I'm just looking at I feel I feel a little bit like at the moment. I'm I'm asset asset rich. And and yeah. But we have yeah. We have sort of extended, like, sales dip, if that makes sense. So I guess I'm just wondering best solutions there. Like, I'm aware that we've still got those properties and they have worth in them, but we yeah. We have have had to take on that extra mortgage expense. I'm just wondering if I'm still sitting in the right place for my obviously, super needs to keep growing, but I'm just working out the best thing. Yep. Yes. I think it's valued at 1,200,000.0. It's about 1. 1,000,000. So that yeah. So we've got that that property and that will be rented out. And I think there's a a mortgage of about 69 on that. Yes. And then we've got another property, which is also rented out, and that's got a mortgage of around 250 on it. But both of both of them are are are you know, they're worth quite a bit more than that. So I think the one that's got about $2.50 on it is worth around 650, maybe more, depending on the market. And the other one oh, gosh. That's hard because it's it's it's a rural property, and it's got land attached to it. So I think that that's probably sitting up around the 800,000 mark. Yeah. We've got that little little one, and that doesn't have a mortgage on it at all. That's probably I'm trying to think. I think that's that's probably about $1.50 ish. Yep. That's around what is it up to? I think that's at $4.50 a week. And the one that we've just just renting out is at it's at a weird price. Something like 413. Sorry? Yes. Per week. I am not I I'm not sure. I know I know the the rent should more than cover. Yes. That's the point. Yes. Yes. Yes. Yes. Mhmm. Yes. Yes. Yes. Mhmm. I'm I'm pretty sure my husband would like to retire tomorrow if he could. I look. Real realistically, I I'm thinking probably probably at around 65, I would wanna stop full time work, but I teach. So I think it's quite feasible that I would still do sort of some relief teaching and that sort of thing for a bit after that. Yes. Yes. Yep. Mhmm. Yes. Yes. Mhmm. Yes. Template. Yes. Look. But the way the way prices are at the moment, it's it's really tricky. But, yeah, I look. I would I would think that that's probably sensible. Yeah. Mhmm. Yep. Yes. Yes. No. We no longer have a landline, but this phone number's fine. Not really. Yeah. Yeah. Yep. Mhmm. Yep. No. Predominantly a secondary youth teacher. So yeah. I do. I hesitate to say, but most of the time, it's pretty good. Yes. Where did I start? So I started teaching in 2002. Sorry. Yeah. That's that's a while now. That's twenty four years. Yeah. I think that's about right. Let me actually, I can probably look very quickly because I got the pay slip through today. Sorry. So it is being very stubborn and slow. No. And it was so weird because I took I will no longer have a position of leadership that I was getting title. So I'm on around a 100 and with a 118. Yep. No. Just to see here, superannuation contribution. It doesn't give me a percentage. Tells me that so I I get $543.03 contributed every fortnight. Yes. That's that's the after tax component. And then I've got the salary sacrifice of 60 a pay, so 60 a fortnight. Yes. Mhmm. Oh, we have actually yes. We paid out our no rated lease on an on a Subaru Outback. So I'm not sure what that would be worth. That's five years old. I only would think between the $30.40 mark. Yeah. Yep. That's all cut. Yes. No. I think that's it. No. The credit card gets, like, as minimal and gets paid, like, it's only used for convenient and gets paid off every month. So it's not a mhmm. Mhmm. Yep. That is still the case. No. They they really help me. Yes. We do. Yes. Yes. Yep. I do. Mhmm. I think I do. Yes. Sorry. It's just it sits it sits there and you don't really think about it. Yes. There was a power of attorney nominated for that one. Yes. No. No. No. Yep. Yep. Which is no. We haven't haven't done that yet. We got as far as okay. But yeah. Yes. All of this came in. We've sort of just put a bit of a stall, but we certainly are wanting to look at some some more significant travel. Maybe maybe not the next twelve months. That might be more like the two to five year plan, but yes. Yes. Yep. No. Look. Honestly, it's just paying paying down that mortgage as quickly as we can as our as our main focus. Yep. Mhmm. Yep. Yeah. Mhmm. Okay. No. Mhmm. Yep. Mhmm. Probably still probably a very high risk, I reckon. I don't think I would be too worried because the market tends to correct itself. So yep. It's a really good question. Possibly possibly invest a little more. Like that there. Mhmm. Probably just for investment properties, I reckon. Mhmm. Yep. Yes. It means that I take take bigger risks in the hope of bigger rewards. But I also have to put up with bigger losses when things go wrong. Yeah. Mhmm. Yes. Mhmm. Yep. Yeah. Mhmm. Yep. I've I not really right now. I've gotta take some kids to to after school activities, but I can keep talking. Eila, are you ready to go? Yep. Mhmm. Yeah. Yep. Yep. Mhmm. Yep. Mhmm. Yes. Mhmm. Okay. Okay. Mhmm. Right. Mhmm. Yep. Mhmm. Okay. Okay. Yep. Okay. Yep. Yes. Yes. Mhmm. Yep. Mhmm. Yep. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Great. That would be awesome. Thank you. That sounds great. No. I think that's all good. Looking forward to checking over the email. Right. Great. Thank you, Veronica. I look forward to speaking with you too. Bye. You too. Thank you. 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Pippa speaking. I'm well. Thank you. How are you?\n\nYes. Yep. This is a good time. Yes. That's fine.\n\nYes. It's Pippa Rourke. 6 Of The 61973. 2505 Prairie Rochester Road in Kennison. It's been it's been pretty good.\n\nYes. Yep. Well, look, the the main thing is I we have just in the last few weeks moved house, so I need to update my address. If I can do that, that would be good. The new address is 71 Old Violet Street.\n\nYep. Yes. In Ironbark. Yep. And the postcode 3550.\n\nYes. Great. Well, look. I guess the the point we're at is we have we've bought a bought a new house, which is great, but we haven't sold any of our other property. So I guess I'm just looking at I feel I feel a little bit like at the moment.\n\nI'm I'm asset asset rich. And and yeah. But we have yeah. We have sort of extended, like, sales dip, if that makes sense. So I guess I'm just wondering best solutions there.\n\nLike, I'm aware that we've still got those properties and they have worth in them, but we yeah. We have have had to take on that extra mortgage expense. I'm just wondering if I'm still sitting in the right place for my obviously, super needs to keep growing, but I'm just working out the best thing. Yep. Yes.\n\nI think it's valued at 1,200,000.0. It's about 1. 1,000,000. So that yeah. So we've got that that property and that will be rented out.\n\nAnd I think there's a a mortgage of about 69 on that. Yes. And then we've got another property, which is also rented out, and that's got a mortgage of around 250 on it. But both of both of them are are are you know, they're worth quite a bit more than that. So I think the one that's got about $2.50 on it is worth around 650, maybe more, depending on the market.\n\nAnd the other one oh, gosh. That's hard because it's it's it's a rural property, and it's got land attached to it. So I think that that's probably sitting up around the 800,000 mark. Yeah. We've got that little little one, and that doesn't have a mortgage on it at all.\n\nThat's probably I'm trying to think. I think that's that's probably about $1.50 ish. Yep. That's around what is it up to? I think that's at $4.50 a week.\n\nAnd the one that we've just just renting out is at it's at a weird price. Something like 413. Sorry? Yes. Per week.\n\nI am not I I'm not sure. I know I know the the rent should more than cover. Yes. That's the point. Yes.\n\nYes. Yes. Yes. Mhmm. Yes.\n\nYes. Yes. Mhmm. I'm I'm pretty sure my husband would like to retire tomorrow if he could. I look.\n\nReal realistically, I I'm thinking probably probably at around 65, I would wanna stop full time work, but I teach. So I think it's quite feasible that I would still do sort of some relief teaching and that sort of thing for a bit after that. Yes. Yes. Yep.\n\nMhmm. Yes. Yes. Mhmm. Yes.\n\nTemplate. Yes. Look. But the way the way prices are at the moment, it's it's really tricky. But, yeah, I look.\n\nI would I would think that that's probably sensible. Yeah. Mhmm. Yep. Yes.\n\nYes. No. We no longer have a landline, but this phone number's fine. Not really. Yeah.\n\nYeah. Yep. Mhmm. Yep. No.\n\nPredominantly a secondary youth teacher. So yeah. I do. I hesitate to say, but most of the time, it's pretty good. Yes.\n\nWhere did I start? So I started teaching in 2002. Sorry. Yeah. That's that's a while now.\n\nThat's twenty four years. Yeah. I think that's about right. Let me actually, I can probably look very quickly because I got the pay slip through today. Sorry.\n\nSo it is being very stubborn and slow. No. And it was so weird because I took I will no longer have a position of leadership that I was getting title. So I'm on around a 100 and with a 118. Yep.\n\nNo. Just to see here, superannuation contribution. It doesn't give me a percentage. Tells me that so I I get $543.03 contributed every fortnight. Yes.\n\nThat's that's the after tax component. And then I've got the salary sacrifice of 60 a pay, so 60 a fortnight. Yes. Mhmm. Oh, we have actually yes.\n\nWe paid out our no rated lease on an on a Subaru Outback. So I'm not sure what that would be worth. That's five years old. I only would think between the $30.40 mark. Yeah.\n\nYep. That's all cut. Yes. No. I think that's it.\n\nNo. The credit card gets, like, as minimal and gets paid, like, it's only used for convenient and gets paid off every month. So it's not a mhmm. Mhmm. Yep.\n\nThat is still the case. No. They they really help me. Yes. We do.\n\nYes. Yes. Yep. I do. Mhmm.\n\nI think I do. Yes. Sorry. It's just it sits it sits there and you don't really think about it. Yes.\n\nThere was a power of attorney nominated for that one. Yes. No. No. No.\n\nYep. Yep. Which is no. We haven't haven't done that yet. We got as far as okay.\n\nBut yeah. Yes. All of this came in. We've sort of just put a bit of a stall, but we certainly are wanting to look at some some more significant travel. Maybe maybe not the next twelve months.\n\nThat might be more like the two to five year plan, but yes. Yes. Yep. No. Look.\n\nHonestly, it's just paying paying down that mortgage as quickly as we can as our as our main focus. Yep. Mhmm. Yep. Yeah.\n\nMhmm. Okay. No. Mhmm. Yep.\n\nMhmm. Probably still probably a very high risk, I reckon. I don't think I would be too worried because the market tends to correct itself. So yep. It's a really good question.\n\nPossibly possibly invest a little more. Like that there. Mhmm. Probably just for investment properties, I reckon. Mhmm.\n\nYep. Yes. It means that I take take bigger risks in the hope of bigger rewards. But I also have to put up with bigger losses when things go wrong. Yeah.\n\nMhmm. Yes. Mhmm. Yep. Yeah.\n\nMhmm. Yep. I've I not really right now. I've gotta take some kids to to after school activities, but I can keep talking. Eila, are you ready to go?\n\nYep. Mhmm. Yeah. Yep. Yep.\n\nMhmm. Yep. Mhmm. Yes. Mhmm.\n\nOkay. Okay. Mhmm. Right. Mhmm.\n\nYep. Mhmm. Okay. Okay. Yep.\n\nOkay. Yep. Yes. Yes. Mhmm.\n\nYep. Mhmm. Yep. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nGreat. That would be awesome. Thank you. That sounds great. No.\n\nI think that's all good. Looking forward to checking over the email. Right. Great. Thank you, Veronica.\n\nI look forward to speaking with you too. Bye. You too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.02348756045103073},{"text":"Pippa speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.04677697829902172},{"text":"I'm well.","start":6.96,"end":7.68,"sentiment":"positive","sentiment_score":0.427488774061203},{"text":"Thank you.","start":7.68,"end":8.08,"sentiment":"positive","sentiment_score":0.6337771713733673},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"positive","sentiment_score":0.39035962025324505}],"sentiment":"positive","sentiment_score":0.341065226867795,"num_words":10,"start":1.04,"end":8.9},{"sentences":[{"text":"Yes.","start":14.0,"end":14.445,"sentiment":"positive","sentiment_score":0.3825610876083374},{"text":"Yep.","start":14.924999,"end":15.325,"sentiment":"neutral","sentiment_score":0.2372010201215744},{"text":"This is a good 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the way the way prices are at the moment, it's it's really tricky.","start":556.92,"end":563.9,"sentiment":"neutral","sentiment_score":-0.14507044213158743},{"text":"But, yeah, I look.","start":564.44,"end":565.56,"sentiment":"neutral","sentiment_score":-0.006195042282342911}],"sentiment":"neutral","sentiment_score":-0.09080329098339592,"num_words":21,"start":538.05,"end":565.56},{"sentences":[{"text":"I would I would think that that's probably 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do.","start":934.35504,"end":935.09503,"sentiment":"neutral","sentiment_score":0.05392837896943092}],"sentiment":"neutral","sentiment_score":0.09216661325522832,"num_words":14,"start":921.01,"end":935.09503},{"sentences":[{"text":"Yes.","start":938.515,"end":939.015,"sentiment":"neutral","sentiment_score":0.059992700815200806},{"text":"Yes.","start":953.13,"end":953.63,"sentiment":"neutral","sentiment_score":0.06162868812680245},{"text":"Yep.","start":953.85,"end":954.35,"sentiment":"neutral","sentiment_score":0.06239274889230728},{"text":"I do.","start":957.715,"end":958.29504,"sentiment":"neutral","sentiment_score":0.08675410225987434},{"text":"Mhmm.","start":961.955,"end":962.455,"sentiment":"neutral","sentiment_score":0.03218233585357666}],"sentiment":"neutral","sentiment_score":0.06495077970127265,"num_words":6,"start":938.515,"end":962.455},{"sentences":[{"text":"I think I do.","start":972.51,"end":973.55,"sentiment":"neutral","sentiment_score":0.030904330778867006},{"text":"Yes.","start":973.55,"end":974.05,"sentiment":"neutral","sentiment_score":0.0060117971152067184},{"text":"Sorry.","start":974.35,"end":974.67,"sentiment":"neutral","sentiment_score":-0.06060329079627991},{"text":"It's just it sits it sits there and you don't really think about it.","start":974.67,"end":977.39,"sentiment":"neutral","sentiment_score":-0.05775977045829807},{"text":"Yes.","start":977.39,"end":977.55,"sentiment":"neutral","sentiment_score":0.030747873708605766}],"sentiment":"neutral","sentiment_score":-0.033755384917770116,"num_words":21,"start":972.51,"end":977.55},{"sentences":[{"text":"There was a power of attorney nominated for that one.","start":977.55,"end":979.97,"sentiment":"neutral","sentiment_score":0.04808578342199325},{"text":"Yes.","start":990.205,"end":990.705,"sentiment":"neutral","sentiment_score":-0.022955290973186493},{"text":"No.","start":996.685,"end":996.765,"sentiment":"neutral","sentiment_score":-0.14991867542266846},{"text":"No.","start":996.765,"end":997.265,"sentiment":"neutral","sentiment_score":-0.15316995978355408},{"text":"No.","start":1003.94,"end":1004.44,"sentiment":"neutral","sentiment_score":-0.06116613745689392}],"sentiment":"neutral","sentiment_score":0.006689126470259258,"num_words":14,"start":977.55,"end":1004.44},{"sentences":[{"text":"Yep.","start":1018.125,"end":1018.625,"sentiment":"neutral","sentiment_score":0.13472774624824524},{"text":"Yep.","start":1025.965,"end":1026.39,"sentiment":"neutral","sentiment_score":0.016134170815348625},{"text":"Which is no.","start":1026.87,"end":1028.31,"sentiment":"neutral","sentiment_score":-0.09275622417529424},{"text":"We haven't haven't done that yet.","start":1028.31,"end":1029.83,"sentiment":"neutral","sentiment_score":-0.10341487700740497},{"text":"We got as far as okay.","start":1029.83,"end":1031.75,"sentiment":"neutral","sentiment_score":-0.00973545666784048}],"sentiment":"neutral","sentiment_score":-0.04742992691257421,"num_words":17,"start":1018.125,"end":1031.75},{"sentences":[{"text":"But yeah.","start":1031.75,"end":1032.63,"sentiment":"neutral","sentiment_score":-0.023847147822380066},{"text":"Yes.","start":1032.63,"end":1033.11,"sentiment":"neutral","sentiment_score":-0.004096081480383873},{"text":"All of this came in.","start":1033.11,"end":1034.15,"sentiment":"neutral","sentiment_score":-0.04463687017560005},{"text":"We've sort of just put a bit of a stall, but we certainly are wanting to look at some some more significant travel.","start":1034.15,"end":1041.425,"sentiment":"neutral","sentiment_score":-0.06283537500902363},{"text":"Maybe maybe not the next twelve months.","start":1042.765,"end":1045.085,"sentiment":"neutral","sentiment_score":-0.04662413203290531}],"sentiment":"neutral","sentiment_score":-0.053856770458974336,"num_words":38,"start":1031.75,"end":1045.085},{"sentences":[{"text":"That might be more like the two to five year plan, but yes.","start":1045.085,"end":1050.465,"sentiment":"neutral","sentiment_score":-0.009107884306174058},{"text":"Yes.","start":1059.08,"end":1059.58,"sentiment":"neutral","sentiment_score":0.1114775687456131},{"text":"Yep.","start":1060.2,"end":1060.7,"sentiment":"neutral","sentiment_score":0.13081824779510498},{"text":"No.","start":1066.055,"end":1066.295,"sentiment":"neutral","sentiment_score":-0.044330477714538574},{"text":"Look.","start":1066.295,"end":1066.535,"sentiment":"neutral","sentiment_score":-0.03121262788772583}],"sentiment":"neutral","sentiment_score":0.0028441302916582894,"num_words":17,"start":1045.085,"end":1066.535},{"sentences":[{"text":"Honestly, it's just paying paying down that mortgage as quickly as we can as our as our main focus.","start":1066.535,"end":1072.795,"sentiment":"neutral","sentiment_score":0.020747945987080272},{"text":"Yep.","start":1083.8401,"end":1084.3401,"sentiment":"neutral","sentiment_score":0.04279179871082306},{"text":"Mhmm.","start":1086.8,"end":1087.3,"sentiment":"neutral","sentiment_score":-0.031876593828201294},{"text":"Yep.","start":1090.88,"end":1091.2001,"sentiment":"neutral","sentiment_score":0.018632318824529648},{"text":"Yeah.","start":1091.2001,"end":1091.685,"sentiment":"neutral","sentiment_score":-0.001893589273095131}],"sentiment":"neutral","sentiment_score":0.018341952529938324,"num_words":23,"start":1066.535,"end":1091.685},{"sentences":[{"text":"Mhmm.","start":1093.3651,"end":1093.8651,"sentiment":"neutral","sentiment_score":-0.028258757665753365},{"text":"Okay.","start":1097.2051,"end":1097.7051,"sentiment":"neutral","sentiment_score":-0.0069352975115180016},{"text":"No.","start":1102.4851,"end":1102.9851,"sentiment":"neutral","sentiment_score":-0.12057866156101228},{"text":"Mhmm.","start":1105.32,"end":1105.82,"sentiment":"neutral","sentiment_score":-0.05674043670296669},{"text":"Yep.","start":1112.3174,"end":1112.8174,"sentiment":"neutral","sentiment_score":-0.0680919885635376}],"sentiment":"neutral","sentiment_score":-0.05612102840095758,"num_words":5,"start":1093.3651,"end":1112.8174},{"sentences":[{"text":"Mhmm.","start":1122.2749,"end":1122.7749,"sentiment":"neutral","sentiment_score":-0.07814869284629822},{"text":"Probably still probably a very high risk, I reckon.","start":1146.26,"end":1150.0851,"sentiment":"negative","sentiment_score":-0.39214035206370884},{"text":"I don't think I would be too worried because the market tends to correct itself.","start":1168.24,"end":1172.2599,"sentiment":"neutral","sentiment_score":-0.1727172041932742},{"text":"So yep.","start":1172.48,"end":1175.145,"sentiment":"neutral","sentiment_score":-0.020731592550873756},{"text":"It's a really good question.","start":1189.6499,"end":1190.95,"sentiment":"neutral","sentiment_score":0.19205062389373778}],"sentiment":"neutral","sentiment_score":-0.16498062468599528,"num_words":32,"start":1122.2749,"end":1190.95},{"sentences":[{"text":"Possibly possibly invest a little more.","start":1191.49,"end":1194.1499,"sentiment":"neutral","sentiment_score":0.22380989293257395},{"text":"Like that there.","start":1195.57,"end":1196.71,"sentiment":"neutral","sentiment_score":0.20704769094785055},{"text":"Mhmm.","start":1203.915,"end":1204.415,"sentiment":"neutral","sentiment_score":0.041015736758708954},{"text":"Probably just for investment properties, I reckon.","start":1211.915,"end":1214.415,"sentiment":"neutral","sentiment_score":0.01779078971594572},{"text":"Mhmm.","start":1217.63,"end":1218.13,"sentiment":"neutral","sentiment_score":0.27502918243408203}],"sentiment":"neutral","sentiment_score":0.13358793764685592,"num_words":18,"start":1191.49,"end":1218.13},{"sentences":[{"text":"Yep.","start":1225.79,"end":1226.29,"sentiment":"neutral","sentiment_score":0.12733091413974762},{"text":"Yes.","start":1231.07,"end":1231.57,"sentiment":"neutral","sentiment_score":0.05988950654864311},{"text":"It means that I take take bigger risks in the hope of bigger rewards.","start":1231.6849,"end":1236.585,"sentiment":"neutral","sentiment_score":-0.0010438564100435802},{"text":"But I also have to put up with bigger losses when things go wrong.","start":1238.005,"end":1241.945,"sentiment":"neutral","sentiment_score":-0.17880578285881452},{"text":"Yeah.","start":1247.44,"end":1247.94,"sentiment":"neutral","sentiment_score":0.004856487736105919}],"sentiment":"neutral","sentiment_score":-0.07502638843030698,"num_words":31,"start":1225.79,"end":1247.94},{"sentences":[{"text":"Mhmm.","start":1250.32,"end":1250.82,"sentiment":"neutral","sentiment_score":-0.05423244833946228},{"text":"Yes.","start":1252.7999,"end":1253.2999,"sentiment":"neutral","sentiment_score":-0.019984163343906403},{"text":"Mhmm.","start":1262.005,"end":1262.505,"sentiment":"neutral","sentiment_score":-0.006267208606004715},{"text":"Yep.","start":1268.885,"end":1269.385,"sentiment":"neutral","sentiment_score":0.07072647660970688},{"text":"Yeah.","start":1277.1499,"end":1277.6499,"sentiment":"neutral","sentiment_score":0.027667518705129623}],"sentiment":"neutral","sentiment_score":0.0035820350050926207,"num_words":5,"start":1250.32,"end":1277.6499},{"sentences":[{"text":"Mhmm.","start":1280.0299,"end":1280.5299,"sentiment":"neutral","sentiment_score":0.038238730281591415},{"text":"Yep.","start":1282.83,"end":1283.33,"sentiment":"neutral","sentiment_score":0.13317422568798065},{"text":"I've I not really right now.","start":1291.505,"end":1293.4249,"sentiment":"neutral","sentiment_score":-0.14333167175451914},{"text":"I've gotta take some kids to to after school activities, but I can keep talking.","start":1293.4249,"end":1299.0449,"sentiment":"neutral","sentiment_score":-0.023516208802660307},{"text":"Eila, are you ready to go?","start":1299.745,"end":1301.205,"sentiment":"neutral","sentiment_score":0.17779886474212012}],"sentiment":"neutral","sentiment_score":0.0008783786846645947,"num_words":29,"start":1280.0299,"end":1301.205},{"sentences":[{"text":"Yep.","start":1305.7,"end":1306.2,"sentiment":"neutral","sentiment_score":0.1674475371837616},{"text":"Mhmm.","start":1309.46,"end":1309.96,"sentiment":"neutral","sentiment_score":0.11593811213970184},{"text":"Yeah.","start":1312.4199,"end":1312.9199,"sentiment":"neutral","sentiment_score":0.11154691874980928},{"text":"Yep.","start":1315.995,"end":1316.495,"sentiment":"neutral","sentiment_score":0.1367255598306656},{"text":"Yep.","start":1321.995,"end":1322.495,"sentiment":"neutral","sentiment_score":0.1515246033668518}],"sentiment":"neutral","sentiment_score":0.13663654625415803,"num_words":5,"start":1305.7,"end":1322.495},{"sentences":[{"text":"Mhmm.","start":1335.3,"end":1335.8,"sentiment":"neutral","sentiment_score":0.06428450345993042},{"text":"Yep.","start":1341.665,"end":1342.165,"sentiment":"neutral","sentiment_score":0.16601115465164185},{"text":"Mhmm.","start":1349.505,"end":1350.005,"sentiment":"neutral","sentiment_score":0.09862052649259569},{"text":"Yes.","start":1363.68,"end":1364.18,"sentiment":"neutral","sentiment_score":0.08796883374452591},{"text":"Mhmm.","start":1364.64,"end":1365.14,"sentiment":"neutral","sentiment_score":0.06259667873382568}],"sentiment":"neutral","sentiment_score":0.09589633941650391,"num_words":5,"start":1335.3,"end":1365.14},{"sentences":[{"text":"Okay.","start":1367.04,"end":1367.54,"sentiment":"neutral","sentiment_score":0.08712009340524673},{"text":"Okay.","start":1372.895,"end":1373.395,"sentiment":"neutral","sentiment_score":0.1319153904914856},{"text":"Mhmm.","start":1381.535,"end":1382.035,"sentiment":"neutral","sentiment_score":0.07380618900060654},{"text":"Right.","start":1389.95,"end":1390.45,"sentiment":"neutral","sentiment_score":0.11743474006652832},{"text":"Mhmm.","start":1393.71,"end":1394.21,"sentiment":"neutral","sentiment_score":0.05454862490296364}],"sentiment":"neutral","sentiment_score":0.09296500757336616,"num_words":5,"start":1367.04,"end":1394.21},{"sentences":[{"text":"Yep.","start":1399.5549,"end":1400.0549,"sentiment":"neutral","sentiment_score":0.07088601589202881},{"text":"Mhmm.","start":1407.715,"end":1408.215,"sentiment":"neutral","sentiment_score":0.03710807114839554},{"text":"Okay.","start":1409.315,"end":1409.815,"sentiment":"neutral","sentiment_score":0.054500073194503784},{"text":"Okay.","start":1422.55,"end":1423.05,"sentiment":"neutral","sentiment_score":0.04627567157149315},{"text":"Yep.","start":1448.32,"end":1448.82,"sentiment":"neutral","sentiment_score":0.0322050116956234}],"sentiment":"neutral","sentiment_score":0.04819496870040894,"num_words":5,"start":1399.5549,"end":1448.82},{"sentences":[{"text":"Okay.","start":1449.84,"end":1450.34,"sentiment":"neutral","sentiment_score":0.12426747381687164},{"text":"Yep.","start":1450.6399,"end":1451.1399,"sentiment":"neutral","sentiment_score":0.13306981325149536},{"text":"Yes.","start":1456.0,"end":1456.455,"sentiment":"neutral","sentiment_score":0.19893157482147217},{"text":"Yes.","start":1465.575,"end":1466.075,"sentiment":"neutral","sentiment_score":0.13165903091430664},{"text":"Mhmm.","start":1470.16,"end":1470.66,"sentiment":"neutral","sentiment_score":0.1502237319946289}],"sentiment":"neutral","sentiment_score":0.14763032495975495,"num_words":5,"start":1449.84,"end":1470.66},{"sentences":[{"text":"Yep.","start":1498.865,"end":1499.13,"sentiment":"neutral","sentiment_score":-0.0388089194893837},{"text":"Mhmm.","start":1503.13,"end":1503.63,"sentiment":"neutral","sentiment_score":0.027372874319553375},{"text":"Yep.","start":1507.77,"end":1508.27,"sentiment":"neutral","sentiment_score":0.024684756994247437},{"text":"Yes.","start":1516.115,"end":1516.615,"sentiment":"neutral","sentiment_score":0.0076255351305007935},{"text":"Yes.","start":1524.1951,"end":1524.6951,"sentiment":"neutral","sentiment_score":-0.004672236740589142}],"sentiment":"neutral","sentiment_score":0.0032404020428657533,"num_words":5,"start":1498.865,"end":1524.6951},{"sentences":[{"text":"Yes.","start":1554.155,"end":1554.18,"sentiment":"neutral","sentiment_score":0.1283470094203949},{"text":"Yes.","start":1578.755,"end":1579.255,"sentiment":"neutral","sentiment_score":0.21827147901058197},{"text":"Yes.","start":1589.51,"end":1590.01,"sentiment":"neutral","sentiment_score":0.11747420579195024},{"text":"Yes.","start":1590.79,"end":1591.29,"sentiment":"neutral","sentiment_score":0.1559135913848877},{"text":"Yes.","start":1594.63,"end":1595.13,"sentiment":"neutral","sentiment_score":0.1834617406129837}],"sentiment":"neutral","sentiment_score":0.1606936052441597,"num_words":5,"start":1554.155,"end":1595.13},{"sentences":[{"text":"Great.","start":1603.535,"end":1603.935,"sentiment":"positive","sentiment_score":0.5178282856941223},{"text":"That would be awesome.","start":1603.935,"end":1604.895,"sentiment":"positive","sentiment_score":0.5072578862309456},{"text":"Thank you.","start":1604.895,"end":1605.635,"sentiment":"positive","sentiment_score":0.5298998951911926},{"text":"That sounds great.","start":1615.76,"end":1616.8201,"sentiment":"positive","sentiment_score":0.4296691417694092},{"text":"No.","start":1624.0,"end":1624.48,"sentiment":"neutral","sentiment_score":0.13081693649291992}],"sentiment":"positive","sentiment_score":0.4569530893455852,"num_words":11,"start":1603.535,"end":1624.48},{"sentences":[{"text":"I think that's all good.","start":1624.48,"end":1626.18,"sentiment":"positive","sentiment_score":0.36319023966789243},{"text":"Looking forward to checking over the email.","start":1626.56,"end":1628.8201,"sentiment":"positive","sentiment_score":0.39461504987307955},{"text":"Right.","start":1645.37,"end":1645.87,"sentiment":"neutral","sentiment_score":0.25808003544807434},{"text":"Great.","start":1648.8099,"end":1649.21,"sentiment":"positive","sentiment_score":0.8633297681808472},{"text":"Thank you, Veronica.","start":1649.21,"end":1650.2699,"sentiment":"positive","sentiment_score":0.8548916776974996}],"sentiment":"positive","sentiment_score":0.4861377284807317,"num_words":17,"start":1624.48,"end":1650.2699},{"sentences":[{"text":"I look forward to speaking with you too.","start":1650.73,"end":1652.5948,"sentiment":"positive","sentiment_score":0.8149608224630356},{"text":"Bye.","start":1654.5149,"end":1655.0149,"sentiment":"positive","sentiment_score":0.5905870795249939},{"text":"You too.","start":1655.7948,"end":1656.3549,"sentiment":"positive","sentiment_score":0.4497895836830139},{"text":"Thank you.","start":1656.3549,"end":1657.0948,"sentiment":"positive","sentiment_score":0.7172846794128418},{"text":"Bye.","start":1657.1549,"end":1657.6549,"sentiment":"positive","sentiment_score":0.38036686182022095}],"sentiment":"positive","sentiment_score":0.7017706462315151,"num_words":14,"start":1650.73,"end":1657.6549}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Pippa speaking.\n\nChannel 0: Good afternoon, Pippa. This is Veronica from OQ Financial. How are you this afternoon?\n\nChannel 1: I'm well. Thank you. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in for your annual review. Is now still a good\n\nChannel 1: Yes.\n\nChannel 0: time for you?\n\nChannel 1: Yep. This is a good\n\nChannel 0: Yep.\n\nChannel 1: time.\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 with\n\nChannel 1: Yes. That's fine.\n\nChannel 0: you. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yes. It's Pippa Rourke. 6 Of The 61973. 2505 Prairie Rochester Road in Kennison.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy or\n\nChannel 1: It's\n\nChannel 0: kind\n\nChannel 1: been\n\nChannel 0: of at the end?\n\nChannel 1: it's been pretty good.\n\nChannel 0: Oh, that's great. Well, I will try not to keep you for too long.\n\nChannel 1: Yes. Yep.\n\nChannel 0: But, essentially, just before I do jump in through the annual review, I like to start by always asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more\n\nChannel 1: Well,\n\nChannel 0: on. Or Yeah.\n\nChannel 1: look, the the main thing is I we have just in the last few weeks moved house, so I need\n\nChannel 0: Yep.\n\nChannel 1: to update my address.\n\nChannel 0: Yes.\n\nChannel 1: If I\n\nChannel 0: I\n\nChannel 1: can\n\nChannel 0: can\n\nChannel 1: do that, that would\n\nChannel 0: yeah.\n\nChannel 1: be good.\n\nChannel 0: Of course. What's the the new address?\n\nChannel 1: The new address is 71\n\nChannel 0: Yep.\n\nChannel 1: Old Violet\n\nChannel 0: Old Violet,\n\nChannel 1: Street.\n\nChannel 0: did you say?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. Violet\n\nChannel 1: In Ironbark.\n\nChannel 0: Street. How oh, yeah. Ironbark. Yep.\n\nChannel 1: Yep. And the postcode 3550.\n\nChannel 0: 3550. And still in Victoria? Yep. Great. Perfect.\n\nI will get that updated on our end and the platforms and everything like that\n\nChannel 1: Yes.\n\nChannel 0: for you.\n\nChannel 1: Great.\n\nChannel 0: Otherwise, is there any, like, specific areas or concerns or anything like that that you have?\n\nChannel 1: Well,\n\nChannel 0: Or\n\nChannel 1: look. I guess the the point we're at is we have we've bought a bought a new house,\n\nChannel 0: Yep.\n\nChannel 1: which\n\nChannel 0: Mhmm.\n\nChannel 1: is great, but\n\nChannel 0: Yeah.\n\nChannel 1: we haven't sold any of our other property. So I\n\nChannel 0: Mhmm.\n\nChannel 1: guess I'm just looking at I feel I feel a little bit like at the moment. I'm I'm asset asset rich.\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: And\n\nChannel 0: Mhmm.\n\nChannel 1: and yeah. But we have yeah. We have sort of extended, like, sales dip, if that makes sense. So I guess I'm just\n\nChannel 0: Yes.\n\nChannel 1: wondering best solutions there.\n\nChannel 0: Mhmm.\n\nChannel 1: Like, I'm aware that we've still got those properties and they have worth in them, but\n\nChannel 0: Yep.\n\nChannel 1: we yeah. We have have had to take on that extra mortgage expense. I'm just wondering if I'm still sitting in the right place for my obviously, super needs to keep growing, but I'm\n\nChannel 0: Yes.\n\nChannel 1: just working out the best thing.\n\nChannel 0: Yeah. Yeah. Totally. And with your assets, just so I can update the information here for you, your new property, are you guys moved into it already?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep. And how much is that one bowed at?\n\nChannel 1: I think it's valued at 1,200,000.0.\n\nChannel 0: Perfect. And how much is the mortgage? Do you\n\nChannel 1: It's\n\nChannel 0: know?\n\nChannel 1: about 1.\n\nChannel 0: 1. Yep.\n\nChannel 1: 1,000,000.\n\nChannel 0: Perfect. Now you have\n\nChannel 1: So that\n\nChannel 0: the old property as well.\n\nChannel 1: yeah. So we've got that\n\nChannel 0: Yep.\n\nChannel 1: that property and that will be rented out.\n\nChannel 0: Oh,\n\nChannel 1: And\n\nChannel 0: yep.\n\nChannel 1: I think there's\n\nChannel 0: So\n\nChannel 1: a a mortgage of about 69 on that.\n\nChannel 0: Perfect. So that will be turned into an investment property?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Perfect.\n\nChannel 1: And then we've got another property, which is\n\nChannel 0: Yep.\n\nChannel 1: also rented\n\nChannel 0: Mhmm.\n\nChannel 1: out,\n\nChannel 0: Mhmm.\n\nChannel 1: and that's got a mortgage of around 250 on it.\n\nChannel 0: Mhmm. Perfect.\n\nChannel 1: But both of both of them are are are you know, they're worth quite a bit more than that. So\n\nChannel 0: Yes. Perfect. And do you know roughly how much?\n\nChannel 1: I think the one that's got about $2.50 on it is worth around 650, maybe\n\nChannel 0: Yeah.\n\nChannel 1: more, depending on the market.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: And the other one oh, gosh. That's hard because it's it's it's a rural property, and it's got land attached to it. So I\n\nChannel 0: I\n\nChannel 1: think\n\nChannel 0: have it.\n\nChannel 1: that that's probably sitting up around the 800,000 mark.\n\nChannel 0: Perfect. That's great. Let me update that. And do you also have, like, the separate land with the dwelling on it?\n\nChannel 1: Yeah. We've got that little little one, and that doesn't have a mortgage on it at all.\n\nChannel 0: Oh, perfect. And how much would the that land be worth?\n\nChannel 1: That's probably I'm trying to think. I think that's that's probably about $1.50 ish.\n\nChannel 0: That $1.50. Yep. Perfect. And do you know rental income? So the one that has been an investment property for a little while, so the one, I think, at $6.50.\n\nChannel 1: Yep. That's\n\nChannel 0: How\n\nChannel 1: around\n\nChannel 0: much? Mhmm.\n\nChannel 1: what is it up to? I think that's at $4.50 a week.\n\nChannel 0: Per week.\n\nChannel 1: And\n\nChannel 0: And you\n\nChannel 1: the one that we've just just renting\n\nChannel 0: Mhmm.\n\nChannel 1: out is at it's at a weird price. Something like 413.\n\nChannel 0: Okay. Perfect. Per week as well?\n\nChannel 1: Sorry?\n\nChannel 0: Per week as well. Sorry?\n\nChannel 1: Yes. Per week.\n\nChannel 0: Yes. Perfect. And do you know roughly what the mortgage repayments are on those? Obviously, the $1.69 wouldn't\n\nChannel 1: I\n\nChannel 0: be three months.\n\nChannel 1: am not I I'm not sure. I know\n\nChannel 0: Okay.\n\nChannel 1: I know the the rent should more than cover.\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Because\n\nChannel 1: That's\n\nChannel 0: that was going\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: point.\n\nChannel 0: be kind of my question because\n\nChannel 1: Yes.\n\nChannel 0: like like you said, from an asset point of view, you're in a very good position.\n\nChannel 1: Yes.\n\nChannel 0: Obviously, your your new your new property has a higher mortgage on it,\n\nChannel 1: Yes.\n\nChannel 0: but you do obviously have the true investment property and the land. You are quite rich in assets. You don't have too much debt attached to it. And if you said that the rental income that you guys are receiving is higher than the debt, then you are still kind of slowly paying that off by itself\n\nChannel 1: Yes.\n\nChannel 0: as well, which is really good. And if you can obviously manage that from a cash flow point of view with other expenses and stuff like that\n\nChannel 1: Mhmm.\n\nChannel 0: with, obviously, property prices continuing always to go up,\n\nChannel 1: Yes.\n\nChannel 0: then you are in a very good position outside super. Then,\n\nChannel 1: Yes.\n\nChannel 0: obviously, what you guys want to do come retirement, you do have a lot of assets.\n\nChannel 1: Yes.\n\nChannel 0: And part of the review that I can do today, which is always good to do every now and then,\n\nChannel 1: Mhmm.\n\nChannel 0: is to kind of review your super in a bit more in-depth as well to see, well, okay, where are your super at at the moment? When you are looking at retire do you know roughly when you think you would like to retire or start drawing\n\nChannel 1: I'm\n\nChannel 0: an income from super?\n\nChannel 1: I'm pretty sure my husband would like to retire tomorrow if he could. I look. Real realistically, I I'm thinking probably probably at around 65, I would wanna stop full time\n\nChannel 0: Mhmm.\n\nChannel 1: work, but I teach.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: I think it's quite feasible that I would still do sort of some relief teaching and that sort of thing for a bit\n\nChannel 0: Yep.\n\nChannel 1: after\n\nChannel 0: Okay.\n\nChannel 1: that.\n\nChannel 0: Perfect. So kind of around 65, maybe, obviously, reduce your hours, work a little bit, and maybe start doing a bit of an income from super, but\n\nChannel 1: Yes.\n\nChannel 0: not completely stop working.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Okay. Perfect. Because what I can do as well is, like I said, I'll do a bit more in-depth on your investment and your suit and how you are tracking for retirement.\n\nChannel 1: Yep.\n\nChannel 0: And I can do a bit more of an updated, like, projection and stuff as well to give you a bit more of an indication of, okay. Well, the way things are currently looking, by the time I turn 65, this\n\nChannel 1: Mhmm.\n\nChannel 0: is how much roughly I'm on track to have. And\n\nChannel 1: Yes.\n\nChannel 0: if I draw an income from that, okay, what does that mean from other areas to kind of give you a bit more of clarity on that? Because sometimes\n\nChannel 1: Yes.\n\nChannel 0: it is too every now and then.\n\nChannel 1: Mhmm. Yes. Template.\n\nChannel 0: And Mhmm. Perfect. And I guess when it comes to an ideal income, so just thinking from superannuation that you would like to draw when you do stop working, I have here about a thousand dollars per week. Do you still think\n\nChannel 1: Yes.\n\nChannel 0: that's achievable, like, from a cash flow point of view? Or\n\nChannel 1: Look. But the way the way prices\n\nChannel 0: Mhmm.\n\nChannel 1: are at the moment, it's\n\nChannel 0: Yes. Who knows?\n\nChannel 1: it's really tricky.\n\nChannel 0: Oh,\n\nChannel 1: But,\n\nChannel 0: yeah.\n\nChannel 1: yeah, I look. I would I would think that that's probably sensible.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now I do wanna quickly run through a a bit of an updated fact find with you there as well, Pippa, to see if there's\n\nChannel 1: Mhmm.\n\nChannel 0: anything else that's changed that we can then kind of incorporate into the strategy. So I do have you here down as married with one financial dependent.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yeah. Perfect. And I do have here next of kin listed Robert.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And phone number ending in 433. Is that still the case?\n\nChannel 1: No. We no longer\n\nChannel 0: No.\n\nChannel 1: have a landline, but this\n\nChannel 0: Yep.\n\nChannel 1: phone number's fine.\n\nChannel 0: Okay. Is there a separate one in the event that this phone number for some reason doesn't work or an alternative or not really?\n\nChannel 1: Not really.\n\nChannel 0: No. Okay. That's okay. I will just update it. If it ever does change, just just let us know because it's\n\nChannel 1: Yeah.\n\nChannel 0: always good to have a separate one on file just if for\n\nChannel 1: Yeah.\n\nChannel 0: some reason something happens to this phone or we cannot get in touch with you.\n\nChannel 1: Yep.\n\nChannel 0: But I will just update it for now. Anyway, it's the same.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I have you here occupation teacher like you mentioned.\n\nChannel 1: Yep.\n\nChannel 0: Has any of that changed? Still working,\n\nChannel 1: No.\n\nChannel 0: or was it full time? Yep. Perfect. And what what kind of teacher are you?\n\nChannel 1: Predominantly a secondary youth teacher.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Do do\n\nChannel 1: yeah.\n\nChannel 0: you enjoy it?\n\nChannel 1: I do. I hesitate\n\nChannel 0: Yeah.\n\nChannel 1: to say, but\n\nChannel 0: Yeah.\n\nChannel 1: most of the time, it's pretty good.\n\nChannel 0: And and have you been doing it for long?\n\nChannel 1: Yes. Where\n\nChannel 0: Yeah.\n\nChannel 1: did I start? So I started teaching in 2002.\n\nChannel 0: Yes?\n\nChannel 1: Sorry. Yeah. That's that's a while now. That's twenty four\n\nChannel 0: Yeah.\n\nChannel 1: years.\n\nChannel 0: Time goes fast, doesn't it? And I have you here, Don. Income loss was around 125,000.\n\nChannel 1: Yeah. I think that's about right.\n\nChannel 0: Yep.\n\nChannel 1: Let me actually, I can probably look very quickly because I got\n\nChannel 0: Yeah. Sure.\n\nChannel 1: the pay slip through today.\n\nChannel 0: Convenient. No. That's okay.\n\nChannel 1: Sorry. So it is being very stubborn and slow.\n\nChannel 0: 10.\n\nChannel 1: No. And it was so weird because I took I will no longer have a position of leadership that I was getting title. So I'm on around\n\nChannel 0: Mhmm.\n\nChannel 1: a 100 and with a 118.\n\nChannel 0: 118. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. This wasn't too much of a change.\n\nChannel 1: No.\n\nChannel 0: Now you still get the 12% contribution on your income, or is there any, like, enterprise bargain agreements or anything like that with the the school that would give you more?\n\nChannel 1: Just to see here, superannuation contribution. It doesn't give me a percentage. Tells me that so I I get $543.03 contributed\n\nChannel 0: Mhmm.\n\nChannel 1: every fortnight.\n\nChannel 0: Okay. Perfect. I can just work with that. And that's what goes into your super, so the after tax\n\nChannel 1: Yes.\n\nChannel 0: components?\n\nChannel 1: That's that's\n\nChannel 0: Yep.\n\nChannel 1: the after tax component. And\n\nChannel 0: Great. Perfect.\n\nChannel 1: then I've got the salary sacrifice of\n\nChannel 0: Yep.\n\nChannel 1: 60 a pay, so 60 a fortnight.\n\nChannel 0: Okay. Perfect. And you're still happy to maintain that $60 per fortnight as well?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Just because I'll factor that in as well when I do the the calculation and the research for you\n\nChannel 1: Mhmm.\n\nChannel 0: to show you. Now has anything else changed with your assets? I've obviously updated the property. I also have a motor vehicle at about 25,000.\n\nChannel 1: Oh, we have actually yes. We\n\nChannel 0: Yes.\n\nChannel 1: paid out our no rated lease on\n\nChannel 0: Yes.\n\nChannel 1: an on a Subaru Outback. So\n\nChannel 0: Mhmm.\n\nChannel 1: I'm not sure what that would be worth. That's five years old.\n\nChannel 0: If you were to guess, would you think, like, 20 or 30 or forty, fifty more?\n\nChannel 1: I only would think between the $30.40 mark.\n\nChannel 0: Okay. Maybe I'll do, like, 35\n\nChannel 1: Yeah.\n\nChannel 0: roughly. And you said that one is paid out, like, it\n\nChannel 1: Yep.\n\nChannel 0: was paid out,\n\nChannel 1: That's\n\nChannel 0: so there's\n\nChannel 1: all cut. Yes.\n\nChannel 0: owing. Yep. And the other one that you have nothing owing on that one either?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Any other assets otherwise?\n\nChannel 1: I think that's it.\n\nChannel 0: Perfect. And any other liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: No. The credit card gets, like, as minimal and gets paid, like, it's only used for convenient and gets paid off\n\nChannel 0: Yes.\n\nChannel 1: every month. So it's not a\n\nChannel 0: Yep. Yeah. Perfect. Just for points and stuff?\n\nChannel 1: mhmm.\n\nChannel 0: Yep. Perfect. Now having a look at health and lifestyle,\n\nChannel 1: Mhmm.\n\nChannel 0: I do have you down here as a nonsmoker. Is that\n\nChannel 1: Yep.\n\nChannel 0: still the case?\n\nChannel 1: That is\n\nChannel 0: Yep.\n\nChannel 1: still the case.\n\nChannel 0: Perfect. Any changes to your health otherwise\n\nChannel 1: No.\n\nChannel 0: in the last twelve\n\nChannel 1: They\n\nChannel 0: months? No.\n\nChannel 1: they really help me.\n\nChannel 0: That's good. And do you have private health insurance?\n\nChannel 1: Yes. We do.\n\nChannel 0: Yes. Perfect. And that is hospital and excess?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. Now when we have a look at estate planning, I have here that your nomination for overseas super and stuff is Robert at a 100%. That's still accurate?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Perfect. And do you have a will in place?\n\nChannel 1: I do.\n\nChannel 0: Yep. Perfect. And that's up to date?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect. And do you have a power of attorney nominated as as part of it if something happens?\n\nChannel 1: I think I do. Yes. Sorry. It's\n\nChannel 0: I think\n\nChannel 1: just it sits it sits there and you don't really think about it. Yes. There was a power of attorney nominated for that one.\n\nChannel 0: yeah. Great. Perfect. Yeah. Most of the time, if you do get it done with, like, a lawyer and stuff, it it tends to be included.\n\nSo perfect. But you don't have anyone currently making financial decisions on\n\nChannel 1: Yes.\n\nChannel 0: your behalf or anything like that. No. Perfect. And you don't earn any income overseas, do you?\n\nChannel 1: No. No.\n\nChannel 0: No. Perfect. And are you politically exposed or involved directly in politics?\n\nChannel 1: No.\n\nChannel 0: No. Great. Perfect. Now, otherwise, I guess, goals that you are wanting to achieve in the next twelve months or so, when we spoke to you last and you'll be obviously settling into the property and everything.\n\nChannel 1: Yep.\n\nChannel 0: But, otherwise, when we spoke to you last year, your main focus was to hopefully go to Scotland for a holiday.\n\nChannel 1: Yep.\n\nChannel 0: Did\n\nChannel 1: Which\n\nChannel 0: you\n\nChannel 1: is\n\nChannel 0: guys end up\n\nChannel 1: no. We\n\nChannel 0: Yeah.\n\nChannel 1: haven't haven't done that yet. We got as far as okay. But yeah. Yes. All of this came in.\n\nWe've sort of just put a bit of a stall, but we certainly\n\nChannel 0: Yeah.\n\nChannel 1: are wanting to look at some some more significant travel.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Maybe\n\nChannel 0: Kinda funny.\n\nChannel 1: maybe not\n\nChannel 0: Mhmm.\n\nChannel 1: the next twelve months. That might be more like the two to five year plan, but\n\nChannel 0: Yeah.\n\nChannel 1: yes.\n\nChannel 0: Perfect. And, otherwise, it was kind of just, I think, focusing on getting the last child\n\nChannel 1: Yes.\n\nChannel 0: through school. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Any other goals or anything else that you guys are working towards? So if that's\n\nChannel 1: No.\n\nChannel 0: your\n\nChannel 1: Look.\n\nChannel 0: main\n\nChannel 1: Honestly, it's just paying\n\nChannel 0: yep.\n\nChannel 1: paying down that mortgage as quickly as we can as our as our main focus.\n\nChannel 0: Yep. Perfect. Mortgage. Now the next thing I do wanna run over with you, it is just an updated risk profile questionnaire.\n\nChannel 1: Yep.\n\nChannel 0: It is just multiple choice questions, so there's no\n\nChannel 1: Mhmm.\n\nChannel 0: right or wrong answer. You would have found this one last year, so\n\nChannel 1: Yep.\n\nChannel 0: it's just\n\nChannel 1: Yeah.\n\nChannel 0: to see if anything has changed.\n\nChannel 1: Mhmm.\n\nChannel 0: Very similar type of questions, but if it doesn't make sense, just let me know.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Now have you ever bought direct shares yourself?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: Mhmm.\n\nChannel 0: And next is in regards to inflation.\n\nChannel 1: Yep.\n\nChannel 0: So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more, unfortunately.\n\nChannel 1: Mhmm.\n\nChannel 0: Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation? Or would you say very high risk, high moderate, or a small amount of risk in order to try not keep up pace with inflation?\n\nChannel 1: Probably still probably a very high risk, I reckon.\n\nChannel 0: Value you found out that your portfolio has decreased in value by 20% due to general trends in the market? Oh.\n\nChannel 1: I\n\nChannel 0: Mhmm.\n\nChannel 1: don't think I would be too worried because the market\n\nChannel 0: Yep.\n\nChannel 1: tends to correct itself. So\n\nChannel 0: Yep. Go up and down.\n\nChannel 1: yep.\n\nChannel 0: Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens?\n\nChannel 1: It's a really good question. Possibly possibly invest a little more.\n\nChannel 0: Mhmm. Perfect.\n\nChannel 1: Like that there.\n\nChannel 0: Now the other one is in regards to borrowing money.\n\nChannel 1: Mhmm.\n\nChannel 0: So would you ever consider taking out a loan to invest in stocks or funds or only just for, like, investment property and stuff?\n\nChannel 1: Probably just for investment properties,\n\nChannel 0: Just\n\nChannel 1: I reckon.\n\nChannel 0: for investment property. Yep. Perfect. Now that tells me here,\n\nChannel 1: Mhmm.\n\nChannel 0: Pippa, that you have come out as a high growth investor. And at the moment, we do have you invested in that high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Do you still kind of remember what it means to be a high growth investor?\n\nChannel 1: Yes. It means\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: K.\n\nChannel 1: I take take bigger risks in the hope of bigger rewards.\n\nChannel 0: Yeah. Exactly.\n\nChannel 1: But I also have to put up with bigger losses when things go wrong.\n\nChannel 0: Exactly. Is is having that kind of you know, your focus is to grow your super as much as possible\n\nChannel 1: Yeah.\n\nChannel 0: in, obviously, the long term to try and get those returns, but\n\nChannel 1: Mhmm.\n\nChannel 0: short term had a bit of fluctuations\n\nChannel 1: Yes.\n\nChannel 0: with, obviously, the market. And, you know, it is also important to factor in time frames and making sure you have enough time in the market for those fluctuations to come back\n\nChannel 1: Mhmm.\n\nChannel 0: around. And, typically, in a high growth portfolio, we want to allow at least eight years until retirement.\n\nChannel 1: Yep.\n\nChannel 0: So at the moment, if you are thinking obviously more around the '65 onwards, then you do have the time, you know, behind you\n\nChannel 1: Yeah.\n\nChannel 0: for those fluctuations if you're still comfortable,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, remaining in a high growth portfolio?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Great. Perfect. Now do you have access to your emails at the moment or or not really right now?\n\nChannel 1: I've I not really right now. I've\n\nChannel 0: No.\n\nChannel 1: gotta\n\nChannel 0: Yeah.\n\nChannel 1: take\n\nChannel 0: That's\n\nChannel 1: some\n\nChannel 0: okay.\n\nChannel 1: kids to to after school activities, but I can\n\nChannel 0: That's\n\nChannel 1: keep\n\nChannel 0: okay.\n\nChannel 1: talking.\n\nChannel 0: Perfect.\n\nChannel 1: Eila, are you\n\nChannel 0: Now\n\nChannel 1: ready to go?\n\nChannel 0: now what I have done is not too much more to go as well. So\n\nChannel 1: Yep.\n\nChannel 0: what I have done for you is I've just sent you an email with\n\nChannel 1: Mhmm.\n\nChannel 0: the interview document. So when you have a moment later,\n\nChannel 1: Yeah.\n\nChannel 0: have a read through them. Any questions, just let me know.\n\nChannel 1: Yep.\n\nChannel 0: Or, obviously, if you have a read through it and you're happy with everything, I would just need you to sign the documents.\n\nChannel 1: Yep.\n\nChannel 0: I'll get notified, and then we obviously can keep, you know, the arrangement and servicing and everything. But, essentially, what you what you have a look at when you get it and it might look a little bit different because we've recently changed the software. So\n\nChannel 1: Mhmm.\n\nChannel 0: once you get the email, if you click on the link, it will just take you to the documents that needs signing.\n\nChannel 1: Yep.\n\nChannel 0: And the only thing that needs signing is the ongoing service agreement. Obviously, say that you're happy to stay on as a client.\n\nChannel 1: Mhmm.\n\nChannel 0: There's no, obviously, changes to the fees or anything like that. It all stays exactly the same at that 1.65. And then there's also just a a tax file number opt in form just basically from a compliance point to say that we are keeping your tax file number secure\n\nChannel 1: Yes.\n\nChannel 0: on file.\n\nChannel 1: Mhmm.\n\nChannel 0: Those are the only ones that need signing. And\n\nChannel 1: Okay.\n\nChannel 0: then before you click on the link, you will see a couple of other attachments just for your review.\n\nChannel 1: Okay.\n\nChannel 0: And there is an updated financial services guide. You would have seen this one before, but we've recently made some changes to our marketing, which is great. Had a\n\nChannel 1: Mhmm.\n\nChannel 0: bit of an extension to the team. So it just just gives you a bit of information about, you know, all the teams and the directors and all our advisers and everything like that for you.\n\nChannel 1: Right.\n\nChannel 0: So feel free to have a read over that when you have a moment.\n\nChannel 1: Mhmm.\n\nChannel 0: Otherwise, you also have your super and insurance summary. And\n\nChannel 1: Yep.\n\nChannel 0: that one shows you that in your Netwealth account at the moment, you do have about 275602\n\nChannel 1: Mhmm.\n\nChannel 0: in there. And you\n\nChannel 1: Okay.\n\nChannel 0: also have insurances with Neos. So with your Neos insurances, you have an income protection policy, and that is split inside superannuation and then also to give you\n\nChannel 1: Okay.\n\nChannel 0: outside to give you some of those benefits. And the the income protection is paying $8,033 per month, thirty day waiting period, and a five year benefit period. Now inside superannuation after the tax rebate, that is $4,679. And then you also pay $26 a month for the outside\n\nChannel 1: Yep.\n\nChannel 0: portion.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Are you still happy with that insurance arrangement and everything like that?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. And, obviously, confirming you don't have any, you know, life or total permanent disability, and you're feel comfortable with that?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Great. Perfect. Now\n\nChannel 1: Mhmm.\n\nChannel 0: the the last attachment that you will kind of see as well is then a breakdown of your portfolio. So that one gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. Now as you have a look through it as well, you would see all the individual investments and how they have performed. Now there is one investment that I do wanna particularly look at at swapping out for you that\n\nChannel 1: Yep.\n\nChannel 0: kind of has underperformed a little bit recently, and\n\nChannel 1: Mhmm.\n\nChannel 0: that is one that's called Benelong Australian Equity. Now\n\nChannel 1: Yep.\n\nChannel 0: this one is a little bit different. It is a a managed fund, and it was added to your portfolio when you came on board because it was doing really, really well.\n\nChannel 1: Yes.\n\nChannel 0: Recently, it has kind of underperformed. So I would like to look at swapping that one out for something else that's going to do a little bit better for you.\n\nChannel 1: Yes.\n\nChannel 0: The biggest reason why they did kind of underperform recently, it wasn't necessarily them per se, but it was one of their investments that they were invested in with the corporate travel group. They had a bit of issues with their reporting. We kind of caused it a suspension of trading. So that's why everything kind of falls down. So we've done a lot of research on that, but don't think it's going to be the best option moving forward.\n\nSo I would like to look at swapping that out for something else for you.\n\nChannel 1: Yes.\n\nChannel 0: Now for example, your gold that you have in your portfolio has done really well lately, so that one has gone up 55%. Obviously, been along yeah. So been along has been down. We've seen a bit of fluctuation in, you know, cybersecurity with, obviously, technology and everything like that. Your Europe and your Japan has done really well, so it's kinda been a bit of a mix of the investments.\n\nSo I think\n\nChannel 1: Yes.\n\nChannel 0: now is a good time as well to do that review of the investments to make sure that moving forward as well, they are going to be the best options for you so that you can retire at 65\n\nChannel 1: Yes.\n\nChannel 0: when you can.\n\nChannel 1: Yes.\n\nChannel 0: So I will go and have a review of those for you.\n\nChannel 1: Yes.\n\nChannel 0: I'll put together a new strategy for you. I'll present it through you, and then you can obviously let me know if you are happy with that or if you want to make any changes.\n\nChannel 1: Great. That would\n\nChannel 0: Yes.\n\nChannel 1: be awesome.\n\nChannel 0: Perfect.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. Now it will take me a couple of weeks for me to get together all of this research for you. But as soon as I do, I will give you a call and run through it, and then we take it from\n\nChannel 1: That sounds great.\n\nChannel 0: there. Mhmm. Perfect. Now, Pippa, do you have any other questions or need anything else from me before I, let you go otherwise?\n\nChannel 1: No. I think that's all good. Looking\n\nChannel 0: Perfect.\n\nChannel 1: forward to checking over the email.\n\nChannel 0: Yeah. Perfect. Have a look through it. You know, any questions or anything like that, just let me know. Like I said, if it all makes sense, I will just need you to sign the documents if you're happy to do so, and then we can get that all uploaded in that world.\n\nAnd in the meantime, I will do that research for you. And, otherwise,\n\nChannel 1: Right.\n\nChannel 0: I look forward to speaking with you in the next couple of weeks.\n\nChannel 1: Great. Thank you, Veronica. I look forward to speaking with you too.\n\nChannel 0: Perfect. You enjoy the rest\n\nChannel 1: Bye.\n\nChannel 0: of your afternoon.\n\nChannel 1: You too. 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it's just paying","start":1066.535,"end":1068.135,"sentiment":"neutral","sentiment_score":-0.014498942997306585}],"sentiment":"neutral","sentiment_score":-0.014498942997306585,"channel":1,"num_words":4,"start":1066.535,"end":1068.135},{"sentences":[{"text":"yep.","start":1067.8401,"end":1068.3401,"sentiment":"neutral","sentiment_score":-0.017165809869766235}],"sentiment":"neutral","sentiment_score":-0.017165809869766235,"channel":0,"num_words":1,"start":1067.8401,"end":1068.3401},{"sentences":[{"text":"paying down that mortgage as quickly as we can as our as our main 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you still happy with that insurance arrangement and everything like that?","start":1450.8301,"end":1455.73,"sentiment":"neutral","sentiment_score":0.2097915212313334}],"sentiment":"neutral","sentiment_score":0.2097915212313334,"channel":0,"num_words":12,"start":1450.8301,"end":1455.73},{"sentences":[{"text":"Yes.","start":1456.0,"end":1456.455,"sentiment":"neutral","sentiment_score":0.19893157482147217}],"sentiment":"neutral","sentiment_score":0.19893157482147217,"channel":1,"num_words":1,"start":1456.0,"end":1456.455},{"sentences":[{"text":"Yeah.","start":1456.75,"end":1457.15,"sentiment":"neutral","sentiment_score":0.3141729235649109},{"text":"Perfect.","start":1457.15,"end":1457.65,"sentiment":"positive","sentiment_score":0.5273103713989258},{"text":"And, obviously, confirming you don't have any, you know, life or total permanent disability, and you're feel comfortable with 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the last attachment that you will kind of see as well is then a breakdown of your portfolio.","start":1470.195,"end":1477.415,"sentiment":"neutral","sentiment_score":0.09814850476227309},{"text":"So that one gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months.","start":1477.88,"end":1484.06,"sentiment":"neutral","sentiment_score":0.0978900073539643},{"text":"Now as you have a look through it as well, you would see all the individual investments and how they have performed.","start":1485.3201,"end":1490.62,"sentiment":"neutral","sentiment_score":0.08922431871972301},{"text":"Now there is one investment that I do wanna particularly look at at swapping out for you 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you know, cybersecurity with, obviously, technology and everything like that.","start":1565.85,"end":1571.63,"sentiment":"neutral","sentiment_score":-0.03994752247543896},{"text":"Your Europe and your Japan has done really well, so it's kinda been a bit of a mix of the investments.","start":1572.535,"end":1577.8351,"sentiment":"neutral","sentiment_score":0.21413260662839526}],"sentiment":"neutral","sentiment_score":0.1400199196970379,"channel":0,"num_words":71,"start":1554.965,"end":1577.8351},{"sentences":[{"text":"So I 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couple of weeks for me to get together all of this research for you.","start":1606.675,"end":1610.915,"sentiment":"neutral","sentiment_score":0.08929720092564822},{"text":"But as soon as I do, I will give you a call and run through it, and then we take it from","start":1610.915,"end":1615.98,"sentiment":"neutral","sentiment_score":0.11838144199414687}],"sentiment":"neutral","sentiment_score":0.10117273810837003,"channel":0,"num_words":45,"start":1605.9551,"end":1615.98},{"sentences":[{"text":"That sounds 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otherwise?","start":1618.2,"end":1623.58,"sentiment":"neutral","sentiment_score":0.12200860865414143}],"sentiment":"neutral","sentiment_score":0.13188224415416303,"channel":0,"num_words":23,"start":1616.44,"end":1623.58},{"sentences":[{"text":"No.","start":1624.0,"end":1624.48,"sentiment":"neutral","sentiment_score":0.13081693649291992},{"text":"I think that's all good.","start":1624.48,"end":1626.18,"sentiment":"positive","sentiment_score":0.36319023966789243},{"text":"Looking","start":1626.56,"end":1626.88,"sentiment":"positive","sentiment_score":0.3850380480289459}],"sentiment":"neutral","sentiment_score":0.3331151689801897,"channel":1,"num_words":7,"start":1624.0,"end":1626.88},{"sentences":[{"text":"Perfect.","start":1626.84,"end":1627.34,"sentiment":"positive","sentiment_score":0.5006728172302246}],"sentiment":"positive","sentiment_score":0.5006728172302246,"channel":0,"num_words":1,"start":1626.84,"end":1627.34},{"sentences":[{"text":"forward to checking over the email.","start":1626.88,"end":1628.8201,"sentiment":"positive","sentiment_score":0.39621121684710187}],"sentiment":"positive","sentiment_score":0.39621121684710187,"channel":1,"num_words":6,"start":1626.88,"end":1628.8201},{"sentences":[{"text":"Yeah.","start":1629.32,"end":1629.64,"sentiment":"neutral","sentiment_score":0.2698785960674286},{"text":"Perfect.","start":1629.64,"end":1630.065,"sentiment":"positive","sentiment_score":0.45312362909317017},{"text":"Have a look through it.","start":1630.225,"end":1630.945,"sentiment":"positive","sentiment_score":0.3339559853076935},{"text":"You know, any questions or anything like that, just let me know.","start":1630.945,"end":1634.1449,"sentiment":"neutral","sentiment_score":0.19398421111206213},{"text":"Like I said, if it all makes sense, I will just need you to sign the documents if you're happy to do so, and then we can get that all uploaded in that world.","start":1634.1449,"end":1641.985,"sentiment":"neutral","sentiment_score":0.20709831508643486}],"sentiment":"neutral","sentiment_score":0.22192330939589805,"channel":0,"num_words":53,"start":1629.32,"end":1641.985},{"sentences":[{"text":"And in the meantime, I will do that research for you.","start":1641.985,"end":1644.54,"sentiment":"neutral","sentiment_score":0.19615145569497888},{"text":"And, otherwise,","start":1645.1001,"end":1645.76,"sentiment":"neutral","sentiment_score":0.057251397520303726}],"sentiment":"neutral","sentiment_score":0.1747822159757981,"channel":0,"num_words":13,"start":1641.985,"end":1645.76},{"sentences":[{"text":"Right.","start":1645.37,"end":1645.87,"sentiment":"neutral","sentiment_score":0.25808003544807434}],"sentiment":"neutral","sentiment_score":0.25808003544807434,"channel":1,"num_words":1,"start":1645.37,"end":1645.87},{"sentences":[{"text":"I look forward to speaking with you in the next couple of weeks.","start":1645.8201,"end":1648.64,"sentiment":"positive","sentiment_score":0.5996198447851034}],"sentiment":"positive","sentiment_score":0.5996198447851034,"channel":0,"num_words":13,"start":1645.8201,"end":1648.64},{"sentences":[{"text":"Great.","start":1648.8099,"end":1649.21,"sentiment":"positive","sentiment_score":0.8633297681808472},{"text":"Thank you, Veronica.","start":1649.21,"end":1650.2699,"sentiment":"positive","sentiment_score":0.8548916776974996},{"text":"I look forward to speaking with you too.","start":1650.73,"end":1652.5948,"sentiment":"positive","sentiment_score":0.8149608224630356}],"sentiment":"positive","sentiment_score":0.8289742817481359,"channel":1,"num_words":12,"start":1648.8099,"end":1652.5948},{"sentences":[{"text":"Perfect.","start":1653.18,"end":1653.66,"sentiment":"positive","sentiment_score":0.8515087366104126},{"text":"You enjoy the rest","start":1653.66,"end":1654.54,"sentiment":"positive","sentiment_score":0.7967666685581207}],"sentiment":"positive","sentiment_score":0.8077150821685791,"channel":0,"num_words":5,"start":1653.18,"end":1654.54},{"sentences":[{"text":"Bye.","start":1654.5149,"end":1655.0149,"sentiment":"positive","sentiment_score":0.5905870795249939}],"sentiment":"positive","sentiment_score":0.5905870795249939,"channel":1,"num_words":1,"start":1654.5149,"end":1655.0149},{"sentences":[{"text":"of your afternoon.","start":1654.54,"end":1655.28,"sentiment":"positive","sentiment_score":0.5757344762484232}],"sentiment":"positive","sentiment_score":0.5757344762484232,"channel":0,"num_words":3,"start":1654.54,"end":1655.28},{"sentences":[{"text":"You too.","start":1655.7948,"end":1656.3549,"sentiment":"positive","sentiment_score":0.4497895836830139},{"text":"Thank you.","start":1656.3549,"end":1657.0948,"sentiment":"positive","sentiment_score":0.7172846794128418}],"sentiment":"positive","sentiment_score":0.5835371315479279,"channel":1,"num_words":4,"start":1655.7948,"end":1657.0948},{"sentences":[{"text":"Thanks.","start":1656.62,"end":1657.12,"sentiment":"positive","sentiment_score":0.6546324491500854}],"sentiment":"positive","sentiment_score":0.6546324491500854,"channel":0,"num_words":1,"start":1656.62,"end":1657.12},{"sentences":[{"text":"Bye.","start":1657.1549,"end":1657.6549,"sentiment":"positive","sentiment_score":0.38036686182022095}],"sentiment":"positive","sentiment_score":0.38036686182022095,"channel":1,"num_words":1,"start":1657.1549,"end":1657.6549},{"sentences":[{"text":"Bye.","start":1657.42,"end":1657.92,"sentiment":"neutral","sentiment_score":-0.12046045064926147}],"sentiment":"neutral","sentiment_score":-0.12046045064926147,"channel":0,"num_words":1,"start":1657.42,"end":1657.92}]},"summary":{"result":"success","short":"Representatives from OQ Financial called Pippa to confirm her personal information and address her recent house move. They discussed retirement goals and retirement plans for Pippa's assets, including a mortgage on a new property. The speakers provided information on their retirement plans and retirement goals, including their current and future financial situation, and discussed their risk profile, investment opportunities, and risk management. They also provided financial services guidance and a tax file number, and discussed the fees and insurance coverage for the customer's portfolio. The agent will review the customer's portfolio and provide a new strategy for them to retire at 65 years old."},"intents":{"segments":[{"text":"I had you booked in for your annual review. Is now still a good Yes. time for you?","start_word":27,"end_word":44,"intents":[{"intent":"Check availability","confidence_score":0.0016456845}]},{"text":"I guess the the point we're at is we have we've bought a bought a new house, Yep.","start_word":347,"end_word":364,"intents":[{"intent":"Express interest in property purchase","confidence_score":0.000060837407}]},{"text":"And with your assets, just so I can update the information here for you, your new property, are you guys moved into it already? Yep.","start_word":496,"end_word":520,"intents":[{"intent":"Update property information","confidence_score":0.077572495}]},{"text":"I think it's valued at 1,200,000.0. Perfect.","start_word":531,"end_word":537,"intents":[{"intent":"Confirm property value","confidence_score":0.19653039}]},{"text":"And do you also have, like, the separate land with the dwelling on it? Yeah.","start_word":729,"end_word":743,"intents":[{"intent":"Update property details","confidence_score":0.05806061}]},{"text":"When you are looking at retire do you know roughly when you think you would like to retire or start drawing I'm an income from super?","start_word":1134,"end_word":1159,"intents":[{"intent":"Evaluate super retirement plans","confidence_score":0.03393489}]},{"text":"Now I do wanna quickly run through a a bit of an updated fact find with you there as well, Pippa, to see if there's Mhmm. anything else that's changed that we can then kind of incorporate into the strategy.","start_word":1478,"end_word":1517,"intents":[{"intent":"Update fact find","confidence_score":0.2372814}]},{"text":"So I do have you here down as married with one financial dependent. Yep.","start_word":1518,"end_word":1531,"intents":[{"intent":"Confirm marriage","confidence_score":0.004499645}]},{"text":"And phone number ending in 433. Is that still the case?","start_word":1547,"end_word":1557,"intents":[{"intent":"Update phone number","confidence_score":0.54122734},{"intent":"Update phone number","confidence_score":0.073915355}]},{"text":"And what what kind of teacher are you? Predominantly a secondary youth teacher. Yep.","start_word":1688,"end_word":1701,"intents":[{"intent":"Ask about teacher type","confidence_score":0.004050504}]},{"text":"And and have you been doing it for long? Yes. Where Yeah.","start_word":1725,"end_word":1736,"intents":[{"intent":"Confirm duration","confidence_score":0.0007348193}]},{"text":"I've obviously updated the property. I also have a motor vehicle at about 25,000.","start_word":2010,"end_word":2023,"intents":[{"intent":"Check asset values","confidence_score":0.000030453588}]},{"text":"And any other liabilities, like personal loans, credit cards, ZipPay?","start_word":2137,"end_word":2146,"intents":[{"intent":"Inquire about personal assets","confidence_score":0.00007834319}]},{"text":"are wanting to look at some some more significant travel. Yeah. Perfect.","start_word":2534,"end_word":2545,"intents":[{"intent":"Discuss travel plans","confidence_score":0.051051676}]},{"text":"main Honestly, it's just paying yep. paying down that mortgage as quickly as we can as our as our main focus. Yep.","start_word":2610,"end_word":2631,"intents":[{"intent":"Discuss mortgage payment","confidence_score":0.008587433}]},{"text":"Now have you ever bought direct shares yourself?","start_word":2705,"end_word":2712,"intents":[{"intent":"Evaluate investment","confidence_score":0.0016656227}]},{"text":"Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation?","start_word":2751,"end_word":2777,"intents":[{"intent":"Discuss risks","confidence_score":0.0036497582}]},{"text":"Or would you say very high risk, high moderate, or a small amount of risk in order to try not keep up pace with inflation?","start_word":2779,"end_word":2803,"intents":[{"intent":"Discuss financial planning","confidence_score":0.0006829775}]},{"text":"Value you found out that your portfolio has decreased in value by 20% due to general trends in the market? Oh.","start_word":2812,"end_word":2832,"intents":[{"intent":"Evaluate portfolio value","confidence_score":0.070315585}]},{"text":"So would you ever consider taking out a loan to invest in stocks or funds or only just for, like, investment property and stuff?","start_word":2926,"end_word":2949,"intents":[{"intent":"Ask about loan options","confidence_score":0.0028879375},{"intent":"Discuss obtaining a loan for investment property","confidence_score":0.0000038071637},{"intent":"Consider investing in stocks or funds","confidence_score":0.008155813},{"intent":"Evaluate the importance of investing in stocks/fonds","confidence_score":0.000016913338}]},{"text":"Pippa, that you have come out as a high growth investor. And at the moment, we do have you invested in that high growth portfolio. Yep.","start_word":2969,"end_word":2994,"intents":[{"intent":"Evaluate a high growth investor","confidence_score":0.0031669987}]},{"text":"with, obviously, the market. And, you know, it is also important to factor in time frames and making sure you have enough time in the market for those fluctuations to come back Mhmm. around.","start_word":3085,"end_word":3118,"intents":[{"intent":"Discuss the timing of fluctuations in market","confidence_score":0.0004464253}]},{"text":"Now do you have access to your emails at the moment or or not really right now?","start_word":3182,"end_word":3198,"intents":[{"intent":"Discuss portfolio changes and access email","confidence_score":0.00017819482}]},{"text":"what I have done for you is I've just sent you an email with Mhmm. the interview document. So when you have a moment later, Yeah. have a read through them. Any questions, just let me know. Yep.","start_word":3250,"end_word":3287,"intents":[{"intent":"Read interview document","confidence_score":0.0031743567}]},{"text":"Or, obviously, if you have a read through it and you're happy with everything, I would just need you to sign the documents. Yep.","start_word":3288,"end_word":3311,"intents":[{"intent":"Discuss signing process for documents","confidence_score":0.0002497121},{"intent":"Discuss service agreement and sign-in requirements","confidence_score":0.000074003096}]},{"text":"then before you click on the link, you will see a couple of other attachments just for your review. Okay.","start_word":3470,"end_word":3489,"intents":[{"intent":"Review email attachments and review documents","confidence_score":0.000016548074}]},{"text":"And there is an updated financial services guide. You would have seen this one before, but we've recently made some changes to our marketing, which is great.","start_word":3490,"end_word":3516,"intents":[{"intent":"Discuss marketing changes and update financial services guide","confidence_score":0.0057547255}]},{"text":"Are you still happy with that insurance arrangement and everything like that? Yes. Yeah.","start_word":3688,"end_word":3701,"intents":[{"intent":"Educate about insurance arrangements","confidence_score":0.00013649746}]},{"text":"So I would like to look at swapping that out for something else for you. Yes.","start_word":3974,"end_word":3989,"intents":[{"intent":"Discuss investment options","confidence_score":0.025521297}]}]},"sentiments":{"segments":[{"text":"Hello? Pippa speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03951491788029671},{"text":"Good afternoon, Pippa.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4236566126346588},{"text":"This is Veronica from OQ Financial. How are you this afternoon?","start_word":6,"end_word":16,"sentiment":"neutral","sentiment_score":0.3000762462615967},{"text":"I'm well. Thank you. How are you? I'm good. Thanks. I had you booked in for your annual review. Is now still a good Yes.","start_word":17,"end_word":41,"sentiment":"positive","sentiment_score":0.4361315667629242},{"text":"time for you? Yep.","start_word":42,"end_word":45,"sentiment":"neutral","sentiment_score":0.264769971370697},{"text":"This is a good Yep. time. Perfect.","start_word":46,"end_word":52,"sentiment":"positive","sentiment_score":0.4680178761482239},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes if that's okay with Yes. That's fine. you. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yes. It's Pippa Rourke. 6 Of The 61973. 2505 Prairie Rochester Road in Kennison. Yep.","start_word":53,"end_word":128,"sentiment":"neutral","sentiment_score":0.06535657495260239},{"text":"Perfect. That's exactly what I have here.","start_word":129,"end_word":135,"sentiment":"positive","sentiment_score":0.4878513216972351},{"text":"And how's your day been so far? Been busy or It's kind been of at the end? it's been pretty good. Oh, that's great. Well, I will try not to keep you for too long. Yes. Yep. But, essentially, just before I do jump in through the annual review, I like to start by always asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more Well, on. Or Yeah. look, the the main thing is I we have just in the last few weeks moved house, so I need Yep. to update my address. Yes. If I I can can do that, that would yeah. be good. Of course. What's the the new address? The new address is 71 Yep. Old Violet Old Violet, Street. did you say? Yep. Yes. Yep. Violet In Ironbark. Street. How oh, yeah. Ironbark. Yep. Yep. And the postcode 3550. 3550. And still in Victoria? Yep.","start_word":136,"end_word":305,"sentiment":"neutral","sentiment_score":0.05772505700588226},{"text":"Great. Perfect. I will get that updated on our end and the platforms and everything like that Yes.","start_word":306,"end_word":323,"sentiment":"positive","sentiment_score":0.3828435838222504},{"text":"for you. Great. Otherwise, is there any, like, specific areas or concerns or anything like that that you have? Well, Or look. I guess the the point we're at is we have we've bought a bought a new house, Yep. which Mhmm. is great, but Yeah. we haven't sold any of our other property. So I Mhmm. guess I'm just looking at I feel I feel a little bit like at the moment. I'm I'm asset asset rich. Mhmm. Mhmm. And Mhmm. and yeah. But we have yeah. We have sort of extended, like, sales dip, if that makes sense. So I guess I'm just Yes. wondering best solutions there. Mhmm. Like, I'm aware that we've still got those properties and they have worth in them, but Yep. we yeah. We have have had to take on that extra mortgage expense. I'm just wondering if I'm still sitting in the right place for my obviously, super needs to keep growing, but I'm Yes. just working out the best thing. Yeah. Yeah. Totally. And with your assets, just so I can update the information here for you, your new property, are you guys moved into it already? Yep. Yes. Yep. And how much is that one bowed at? I think it's valued at 1,200,000.0. Perfect. And how much is the mortgage? Do you It's know? about 1. 1. Yep. 1,000,000. Perfect. Now you have So that the old property as well. yeah. So we've got that Yep. that property and that will be rented out. Oh, And yep. I think there's So a a mortgage of about 69 on that. Perfect. So that will be turned into an investment property? Yes. Yeah. Okay. Perfect. And then we've got another property, which is Yep. also rented Mhmm. out, Mhmm. and that's got a mortgage of around 250 on it. Mhmm. Perfect. But both of both of them are are are you know, they're worth quite a bit more than that. So Yes. Perfect. And do you know roughly how much? I think the one that's got about $2.50 on it is worth around 650, maybe Yeah. more, depending on the market. Yep.","start_word":324,"end_word":683,"sentiment":"neutral","sentiment_score":0.01770450931508094},{"text":"Perfect.","start_word":684,"end_word":684,"sentiment":"positive","sentiment_score":0.5699186325073242},{"text":"And the other one oh, gosh. That's hard because it's it's it's a rural property, and it's got land attached to it. So I I think have it. that that's probably sitting up around the 800,000 mark.","start_word":685,"end_word":721,"sentiment":"neutral","sentiment_score":-0.0632270872592926},{"text":"Perfect. That's great.","start_word":722,"end_word":724,"sentiment":"positive","sentiment_score":0.6413385272026062},{"text":"Let me update that. And do you also have, like, the separate land with the dwelling on it? Yeah. We've got that little little one, and that doesn't have a mortgage on it at all. Oh, perfect. And how much would the that land be worth? That's probably I'm trying to think. I think that's that's probably about $1.50 ish. That $1.50. Yep. Perfect. And do you know rental income? So the one that has been an investment property for a little while, so the one, I think, at $6.50. Yep. That's How around much? Mhmm. what is it up to? I think that's at $4.50 a week. Per week. And And you the one that we've just just renting Mhmm. out is at it's at a weird price. Something like 413. Okay. Perfect. Per week as well? Sorry? Per week as well. Sorry? Yes. Per week. Yes. Perfect. And do you know roughly what the mortgage repayments are on those? Obviously, the $1.69 wouldn't I be three months. am not I I'm not sure. I know Okay. I know the the rent should more than cover. Okay. Yep. Perfect. Yes. Because That's that was going the to point. be kind of my question because Yes. like like you said, from an asset point of view, you're in a very good position. Yes. Obviously, your your new your new property has a higher mortgage on it, Yes. but you do obviously have the true investment property and the land. You are quite rich in assets. You don't have too much debt attached to it. And if you said that the rental income that you guys are receiving is higher than the debt, then you are still kind of slowly paying that off by itself Yes.","start_word":725,"end_word":1019,"sentiment":"neutral","sentiment_score":0.05812492221593857},{"text":"as well, which is really good.","start_word":1020,"end_word":1025,"sentiment":"positive","sentiment_score":0.5484767556190491},{"text":"And if you can obviously manage that from a cash flow point of view with other expenses and stuff like that Mhmm. with, obviously, property prices continuing always to go up, Yes.","start_word":1026,"end_word":1057,"sentiment":"neutral","sentiment_score":0.1304382681846619},{"text":"then you are in a very good position outside super.","start_word":1058,"end_word":1067,"sentiment":"positive","sentiment_score":0.5618541240692139},{"text":"Then, Yes.","start_word":1068,"end_word":1069,"sentiment":"neutral","sentiment_score":0.2719287574291229},{"text":"obviously, what you guys want to do come retirement, you do have a lot of assets.","start_word":1070,"end_word":1085,"sentiment":"positive","sentiment_score":0.3370034694671631},{"text":"Yes. And part of the review that I can do today, which is always good to do every now and then, Mhmm. is to kind of review your super in a bit more in-depth as well to see, well, okay, where are your super at at the moment? When you are looking at retire do you know roughly when you think you would like to retire or start drawing I'm an income from super? I'm pretty sure my husband would like to retire tomorrow if he could. I look. Real realistically, I I'm thinking probably probably at around 65, I would wanna stop full time Mhmm. work, but I teach. Yep. So Yeah. I think it's quite feasible that I would still do sort of some relief teaching and that sort of thing for a bit Yep. after Okay. that.","start_word":1086,"end_word":1225,"sentiment":"neutral","sentiment_score":0.06976491957902908},{"text":"Perfect.","start_word":1226,"end_word":1226,"sentiment":"positive","sentiment_score":0.4611419141292572},{"text":"So kind of around 65, maybe, obviously, reduce your hours, work a little bit, and maybe start doing a bit of an income from super, but Yes. not completely stop working. Yes. Yeah. Okay.","start_word":1227,"end_word":1260,"sentiment":"neutral","sentiment_score":0.06401478499174118},{"text":"Perfect. Because what I can do as well is, like I said, I'll do a bit more in-depth on your investment and your suit and how you are tracking for retirement.","start_word":1261,"end_word":1291,"sentiment":"positive","sentiment_score":0.3482900559902191},{"text":"Yep. And I can do a bit more of an updated, like, projection and stuff as well to give you a bit more of an indication of, okay. Well, the way things are currently looking, by the time I turn 65, this Mhmm. is how much roughly I'm on track to have. And Yes. if I draw an income from that, okay, what does that mean from other areas to kind of give you a bit more of clarity on that? Because sometimes Yes. it is too every now and then. Mhmm. Yes. Template. And Mhmm.","start_word":1292,"end_word":1387,"sentiment":"neutral","sentiment_score":0.14412714540958405},{"text":"Perfect.","start_word":1388,"end_word":1388,"sentiment":"positive","sentiment_score":0.4873657822608948},{"text":"And I guess when it comes to an ideal income, so just thinking from superannuation that you would like to draw when you do stop working, I have here about a thousand dollars per week. Do you still think Yes. that's achievable, like, from a cash flow point of view? Or Look. But the way the way prices Mhmm. are at the moment, it's Yes. Who knows? it's really tricky. Oh, But, yeah. yeah, I look. I would I would think that that's probably sensible. Yep. Okay. Yeah.","start_word":1389,"end_word":1476,"sentiment":"neutral","sentiment_score":0.003977605607360601},{"text":"Perfect.","start_word":1477,"end_word":1477,"sentiment":"positive","sentiment_score":0.5550838708877563},{"text":"Now I do wanna quickly run through a a bit of an updated fact find with you there as well, Pippa, to see if there's Mhmm. anything else that's changed that we can then kind of incorporate into the strategy. So I do have you here down as married with one financial dependent. Yep. Yes. Yeah. Perfect. And I do have here next of kin listed Robert. Yes. Perfect. And phone number ending in 433. Is that still the case? No. We no longer No. have a landline, but this Yep. phone number's fine. Okay. Is there a separate one in the event that this phone number for some reason doesn't work or an alternative or not really? Not really. No. Okay. That's okay. I will just update it. If it ever does change, just just let us know because it's Yeah. always good to have a separate one on file just if for Yeah. some reason something happens to this phone or we cannot get in touch with you. Yep. But I will just update it for now. Anyway, it's the same. Mhmm. Now I have you here occupation teacher like you mentioned. Yep. Has any of that changed? Still working, No. or was it full time? Yep. Perfect. And what what kind of teacher are you? Predominantly a secondary youth teacher. Yep. So Do do yeah. you enjoy it? I do. I hesitate Yeah. to say, but Yeah.","start_word":1478,"end_word":1717,"sentiment":"neutral","sentiment_score":0.06971041113138199},{"text":"most of the time, it's pretty good.","start_word":1718,"end_word":1724,"sentiment":"positive","sentiment_score":0.3967392742633819},{"text":"And and have you been doing it for long? Yes. Where Yeah. did I start? So I started teaching in 2002. Yes? Sorry. Yeah. That's that's a while now. That's twenty four Yeah. years. Time goes fast, doesn't it? And I have you here, Don. Income loss was around 125,000. Yeah. I think that's about right. Yep. Let me actually, I can probably look very quickly because I got Yeah. Sure. the pay slip through today. Convenient. No. That's okay. Sorry. So it is being very stubborn and slow. 10. No. And it was so weird because I took I will no longer have a position of leadership that I was getting title. So I'm on around Mhmm. a 100 and with a 118. 118. Okay. Yep.","start_word":1725,"end_word":1851,"sentiment":"neutral","sentiment_score":-0.03171755734273768},{"text":"Perfect.","start_word":1852,"end_word":1852,"sentiment":"positive","sentiment_score":0.348659873008728},{"text":"This wasn't too much of a change. No. Now you still get the 12% contribution on your income, or is there any, like, enterprise bargain agreements or anything like that with the the school that would give you more? Just to see here, superannuation contribution. It doesn't give me a percentage. Tells me that so I I get $543.03 contributed Mhmm. every fortnight. Okay.","start_word":1853,"end_word":1916,"sentiment":"neutral","sentiment_score":0.02363630197942257},{"text":"Perfect.","start_word":1917,"end_word":1917,"sentiment":"positive","sentiment_score":0.3500797152519226},{"text":"I can just work with that. And that's what goes into your super, so the after tax Yes. components? That's that's Yep. the after tax component.","start_word":1918,"end_word":1943,"sentiment":"neutral","sentiment_score":0.11627549678087234},{"text":"And Great. Perfect.","start_word":1944,"end_word":1946,"sentiment":"positive","sentiment_score":0.4041149616241455},{"text":"then I've got the salary sacrifice of Yep. 60 a pay, so 60 a fortnight. Okay.","start_word":1947,"end_word":1962,"sentiment":"neutral","sentiment_score":0.20135965943336487},{"text":"Perfect.","start_word":1963,"end_word":1963,"sentiment":"positive","sentiment_score":0.36376023292541504},{"text":"And you're still happy to maintain that $60 per fortnight as well? Yes. Yeah. Perfect. Just because I'll factor that in as well when I do the the calculation and the research for you Mhmm. to show you. Now has anything else changed with your assets? I've obviously updated the property. I also have a motor vehicle at about 25,000. Oh, we have actually yes. We Yes. paid out our no rated lease on Yes. an on a Subaru Outback. So Mhmm. I'm not sure what that would be worth. That's five years old. If you were to guess, would you think, like, 20 or 30 or forty, fifty more? I only would think between the $30.40 mark. Okay. Maybe I'll do, like, 35 Yeah. roughly. And you said that one is paid out, like, it Yep. was paid out, That's so there's all cut. Yes. owing. Yep. And the other one that you have nothing owing on that one either? No. No. Perfect. Any other assets otherwise? I think that's it. Perfect. And any other liabilities, like personal loans, credit cards, ZipPay? No. The credit card gets, like, as minimal and gets paid, like, it's only used for convenient and gets paid off Yes. every month. So it's not a Yep. Yeah. Perfect. Just for points and stuff? mhmm. Yep. Perfect. Now having a look at health and lifestyle, Mhmm. I do have you down here as a nonsmoker. Is that Yep. still the case? That is Yep. still the case. Perfect. Any changes to your health otherwise No. in the last twelve They months? No. they really help me.","start_word":1964,"end_word":2234,"sentiment":"neutral","sentiment_score":0.039996324416346214},{"text":"That's good.","start_word":2235,"end_word":2236,"sentiment":"positive","sentiment_score":0.4028468132019043},{"text":"And do you have private health insurance? Yes. We do. Yes. Perfect. And that is hospital and excess? Yes. Yes. Perfect. Now when we have a look at estate planning, I have here that your nomination for overseas super and stuff is Robert at a 100%. That's still accurate? Yes. Yep. Yep. Perfect. And do you have a will in place? I do. Yep. Perfect. And that's up to date? Mhmm. Yep. Perfect. And do you have a power of attorney nominated as as part of it if something happens? I think I do. Yes. Sorry. It's I think just it sits it sits there and you don't really think about it. Yes. There was a power of attorney nominated for that one. yeah.","start_word":2237,"end_word":2360,"sentiment":"neutral","sentiment_score":0.07714913040399551},{"text":"Great.","start_word":2361,"end_word":2361,"sentiment":"positive","sentiment_score":0.38646256923675537},{"text":"Perfect. Yeah. Most of the time, if you do get it done with, like, a lawyer and stuff, it it tends to be included. So perfect. But you don't have anyone currently making financial decisions on Yes. your behalf or anything like that. No. Perfect. And you don't earn any income overseas, do you? No. No. No. Perfect. And are you politically exposed or involved directly in politics? No. No.","start_word":2362,"end_word":2431,"sentiment":"neutral","sentiment_score":0.019380539575857777},{"text":"Great. Perfect.","start_word":2432,"end_word":2433,"sentiment":"positive","sentiment_score":0.6384400129318237},{"text":"Now, otherwise, I guess, goals that you are wanting to achieve in the next twelve months or so, when we spoke to you last and you'll be obviously settling into the property and everything. Yep. But, otherwise, when we spoke to you last year, your main focus was to hopefully go to Scotland for a holiday. Yep. Did Which you is guys end up no. We Yeah. haven't haven't done that yet. We got as far as okay. But yeah. Yes. All of this came in. We've sort of just put a bit of a stall, but we certainly Yeah. are wanting to look at some some more significant travel. Yeah. Perfect. Maybe Kinda funny. maybe not Mhmm. the next twelve months. That might be more like the two to five year plan, but Yeah. yes.","start_word":2434,"end_word":2569,"sentiment":"neutral","sentiment_score":0.05426977574825287},{"text":"Perfect.","start_word":2570,"end_word":2570,"sentiment":"positive","sentiment_score":0.36444926261901855},{"text":"And, otherwise, it was kind of just, I think, focusing on getting the last child Yes. through school. Yep. Yep.","start_word":2571,"end_word":2590,"sentiment":"neutral","sentiment_score":0.1365523487329483},{"text":"Perfect.","start_word":2591,"end_word":2591,"sentiment":"positive","sentiment_score":0.4235848784446716},{"text":"Any other goals or anything else that you guys are working towards? So if that's No. your Look. main Honestly, it's just paying yep. paying down that mortgage as quickly as we can as our as our main focus. Yep. Perfect. Mortgage. Now the next thing I do wanna run over with you, it is just an updated risk profile questionnaire. Yep. It is just multiple choice questions, so there's no Mhmm. right or wrong answer. You would have found this one last year, so Yep. it's just Yeah. to see if anything has changed. Mhmm. Very similar type of questions, but if it doesn't make sense, just let me know. Okay. Yeah. Now have you ever bought direct shares yourself? No. Nope. Mhmm. And next is in regards to inflation. Yep. So inflation means that, obviously, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more, unfortunately. Mhmm. Now how much of a risk are you willing to take in order to try to keep up with the rising prices in regards to your superannuation? Or would you say very high risk, high moderate, or a small amount of risk in order to try not keep up pace with inflation?","start_word":2592,"end_word":2802,"sentiment":"neutral","sentiment_score":-0.06657276553282805},{"text":"Probably still probably a very high risk, I reckon. Value you found out that your portfolio has decreased in value by 20% due to general trends in the market?","start_word":2803,"end_word":2831,"sentiment":"negative","sentiment_score":-0.36998122930526733},{"text":"Oh. I Mhmm. don't think I would be too worried because the market Yep. tends to correct itself. So Yep. Go up and down. yep. Would you, if you had the option to do so, think that now is potentially a good time to invest a little bit more while the prices are down, or would you just kind of hold and wait and see what happens? It's a really good question. Possibly possibly invest a little more. Mhmm. Perfect. Like that there. Now the other one is in regards to borrowing money. Mhmm. So would you ever consider taking out a loan to invest in stocks or funds or only just for, like, investment property and stuff? Probably just for investment properties, Just I reckon. for investment property. Yep.","start_word":2832,"end_word":2961,"sentiment":"neutral","sentiment_score":0.04287078231573105},{"text":"Perfect.","start_word":2962,"end_word":2962,"sentiment":"positive","sentiment_score":0.3674978017807007},{"text":"Now that tells me here, Mhmm. Pippa, that you have come out as a high growth investor. And at the moment, we do have you invested in that high growth portfolio. Yep. Do you still kind of remember what it means to be a high growth investor? Yes. It means Yeah. that K. I take take bigger risks in the hope of bigger rewards. Yeah. Exactly. But I also have to put up with bigger losses when things go wrong. Exactly. Is is having that kind of you know, your focus is to grow your super as much as possible Yeah. in, obviously, the long term to try and get those returns, but Mhmm. short term had a bit of fluctuations Yes. with, obviously, the market. And, you know, it is also important to factor in time frames and making sure you have enough time in the market for those fluctuations to come back Mhmm. around. And, typically, in a high growth portfolio, we want to allow at least eight years until retirement. Yep. So at the moment, if you are thinking obviously more around the '65 onwards, then you do have the time, you know, behind you Yeah. for those fluctuations if you're still comfortable, Mhmm. you know, remaining in a high growth portfolio? Yep. Yeah.","start_word":2963,"end_word":3179,"sentiment":"neutral","sentiment_score":0.05743202493281408},{"text":"Great. Perfect.","start_word":3180,"end_word":3181,"sentiment":"positive","sentiment_score":0.6647273302078247},{"text":"Now do you have access to your emails at the moment or or not really right now? I've I not really right now. I've No. gotta Yeah. take That's some okay. kids to to after school activities, but I can That's keep okay. talking.","start_word":3182,"end_word":3225,"sentiment":"neutral","sentiment_score":-0.0003490564995445311},{"text":"Perfect.","start_word":3226,"end_word":3226,"sentiment":"positive","sentiment_score":0.35709571838378906},{"text":"Eila, are you Now ready to go? now what I have done is not too much more to go as well. So Yep. what I have done for you is I've just sent you an email with Mhmm. the interview document. So when you have a moment later, Yeah. have a read through them. Any questions, just let me know. Yep. Or, obviously, if you have a read through it and you're happy with everything, I would just need you to sign the documents. Yep. I'll get notified, and then we obviously can keep, you know, the arrangement and servicing and everything. But, essentially, what you what you have a look at when you get it and it might look a little bit different because we've recently changed the software. So Mhmm. once you get the email, if you click on the link, it will just take you to the documents that needs signing. Yep. And the only thing that needs signing is the ongoing service agreement. Obviously, say that you're happy to stay on as a client. Mhmm. There's no, obviously, changes to the fees or anything like that. It all stays exactly the same at that 1.65. And then there's also just a a tax file number opt in form just basically from a compliance point to say that we are keeping your tax file number secure Yes. on file. Mhmm. Those are the only ones that need signing. And Okay. then before you click on the link, you will see a couple of other attachments just for your review. Okay. And there is an updated financial services guide.","start_word":3227,"end_word":3497,"sentiment":"neutral","sentiment_score":0.1260089874267578},{"text":"You would have seen this one before, but we've recently made some changes to our marketing, which is great.","start_word":3498,"end_word":3516,"sentiment":"positive","sentiment_score":0.35207709670066833},{"text":"Had a Mhmm. bit of an extension to the team. So it just just gives you a bit of information about, you know, all the teams and the directors and all our advisers and everything like that for you. Right. So feel free to have a read over that when you have a moment. Mhmm. Otherwise, you also have your super and insurance summary. And Yep. that one shows you that in your Netwealth account at the moment, you do have about 275602 Mhmm. in there. And you Okay. also have insurances with Neos. So with your Neos insurances, you have an income protection policy, and that is split inside superannuation and then also to give you Okay. outside to give you some of those benefits. And the the income protection is paying $8,033 per month, thirty day waiting period, and a five year benefit period. Now inside superannuation after the tax rebate, that is $4,679. And then you also pay $26 a month for the outside Yep. portion. Okay. Yep. Are you still happy with that insurance arrangement and everything like that? Yes. Yeah.","start_word":3517,"end_word":3701,"sentiment":"neutral","sentiment_score":0.09045704212543126},{"text":"Perfect.","start_word":3702,"end_word":3702,"sentiment":"positive","sentiment_score":0.5273103713989258},{"text":"And, obviously, confirming you don't have any, you know, life or total permanent disability, and you're feel comfortable with that? Yes. Yes.","start_word":3703,"end_word":3724,"sentiment":"neutral","sentiment_score":0.14563608169555664},{"text":"Great. Perfect.","start_word":3725,"end_word":3726,"sentiment":"positive","sentiment_score":0.5152225494384766},{"text":"Now Mhmm. the the last attachment that you will kind of see as well is then a breakdown of your portfolio. So that one gives you a bit of a breakdown of your portfolio and what's happened in the last twelve months. Now as you have a look through it as well, you would see all the individual investments and how they have performed. Now there is one investment that I do wanna particularly look at at swapping out for you that Yep. kind of has underperformed a little bit recently, and Mhmm. that is one that's called Benelong Australian Equity. Now Yep. this one is a little bit different. It is a a managed fund, and it was added to your portfolio when you came on board because it was doing really, really well. Yes. Recently, it has kind of underperformed. So I would like to look at swapping that one out for something else that's going to do a little bit better for you. Yes. The biggest reason why they did kind of underperform recently, it wasn't necessarily them per se, but it was one of their investments that they were invested in with the corporate travel group. They had a bit of issues with their reporting.","start_word":3727,"end_word":3935,"sentiment":"neutral","sentiment_score":0.0076319043609229},{"text":"We kind of caused it a suspension of trading. So that's why everything kind of falls down.","start_word":3936,"end_word":3952,"sentiment":"negative","sentiment_score":-0.38703209161758423},{"text":"So we've done a lot of research on that, but don't think it's going to be the best option moving forward. So I would like to look at swapping that out for something else for you. Yes. Now for example, your gold that you have in your portfolio has done really well lately, so that one has gone up 55%. Obviously, been along yeah. So been along has been down. We've seen a bit of fluctuation in, you know, cybersecurity with, obviously, technology and everything like that. Your Europe and your Japan has done really well, so it's kinda been a bit of a mix of the investments. So I think Yes. now is a good time as well to do that review of the investments to make sure that moving forward as well, they are going to be the best options for you so that you can retire at 65 Yes. when you can. Yes. So I will go and have a review of those for you. Yes. I'll put together a new strategy for you. I'll present it through you, and then you can obviously let me know if you are happy with that or if you want to make any changes.","start_word":3953,"end_word":4156,"sentiment":"neutral","sentiment_score":0.12080524861812592},{"text":"Great. That would Yes. be awesome. Perfect. Thank you.","start_word":4157,"end_word":4165,"sentiment":"positive","sentiment_score":0.5345026254653931},{"text":"No. That's okay. Now it will take me a couple of weeks for me to get together all of this research for you. But as soon as I do, I will give you a call and run through it, and then we take it from That sounds great. there. Mhmm. Perfect. Now, Pippa, do you have any other questions or need anything else from me before I, let you go otherwise? No.","start_word":4166,"end_word":4237,"sentiment":"neutral","sentiment_score":0.1309848427772522},{"text":"I think that's all good. Looking Perfect. forward to checking over the email.","start_word":4238,"end_word":4250,"sentiment":"positive","sentiment_score":0.39478975534439087},{"text":"Yeah.","start_word":4251,"end_word":4251,"sentiment":"neutral","sentiment_score":0.2698785960674286},{"text":"Perfect.","start_word":4252,"end_word":4252,"sentiment":"positive","sentiment_score":0.45312362909317017},{"text":"Have a look through it. You know, any questions or anything like that, just let me know. Like I said, if it all makes sense, I will just need you to sign the documents if you're happy to do so, and then we can get that all uploaded in that world. And in the meantime, I will do that research for you. And, otherwise, Right.","start_word":4253,"end_word":4317,"sentiment":"neutral","sentiment_score":0.20516365216328547},{"text":"I look forward to speaking with you in the next couple of weeks. Great. Thank you, Veronica. I look forward to speaking with you too. Perfect. You enjoy the rest Bye. of your afternoon. You too. Thank you. Thanks. Bye.","start_word":4318,"end_word":4357,"sentiment":"positive","sentiment_score":0.6769171953201294},{"text":"Bye.","start_word":4358,"end_word":4358,"sentiment":"neutral","sentiment_score":0.28139281272888184}],"average":{"sentiment":"neutral","sentiment_score":0.07533351951816106}}}}