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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And just so that I can confirm I'm speaking with the correct person, can you confirm your full name, date of birth, and address, please? Perfect. We have your annual review booked in. Just confirming that now is still a good time. Well, I'll try and not take up too much of your time. Yep. Absolutely fine. Absolutely fine. It's been good. Thank you. What about yours? Does an early start mean an early finish? Yep. It's one job to another, isn't it? Yeah. Fantastic. You're absolutely fine. What I'd like to start doing, first of all, is just running through the information we have on file to make sure that it's up to date and current in regards to your personal and financial situation. So I have you listed here as a de facto. Is that still the case? Yeah. Do you have I know that you said you gotta go pick your daughter up. What is her name? How do I spell that? Okay. Just I thought I should always check. And what's her date of birth? Oh, Lovely. Getting close to starting school. It is. It is. Yeah. It is it is scary. And I've got your spouse's name down as tie Tyrone or Tyrone is Tyrone? Bravo. Beautiful. And do you have a contact number for him as we've got him listed as your next of kin, but we just don't have a phone number for him. Yes? No. Please and apologize. It's absolutely fine. 536145. Beautiful. With your occupation, we have you as a nursery supervisor. Has that changed? Yep. Okay. And your employer name we had is. Has that changed? Yes. Okay. Yeah. And how many years have you been in the nursery supervisor position? Yep. Okay. That's fine. And are you still working full time? Yep. That's fine. So still thirty eight hours? Yep. Okay. Alright. And we have your income down as 51,000. Is that correct? Yep. And your expenditure at $550 a week and savings of $50 a week? Yep. Beautiful. And does your employer pay any more than the 12% standard, or it's just that? Yep. Beautiful. Do you make any additional contributions to? No. We can talk about that. And do you have an EBA agreement with your employer or anything? Okay. Beautiful. With the assets and liabilities, we had a study debt of 7,500. Is that still correct, or is it reduced? Yep. Beautiful. Yeah. Yep. Yep. I feel you. And a personal loan of 2,500. Beautiful. And a savings account with 18,000. Yep. Okay. Fantastic. Any other assets or debts that may have you may have had since your last review? No? Okay. Fantastic. Alright. Are you still a nonsmoker? Yep. Any significant health issues or injuries can still last review? We had a back issue due to pregnancy. Yep. So why is the why? That's not a nice way to spend your Christmas break. Yeah. Yep. Oh, no. No. Okay. That's fine. And just with your estate planning, do you have a will or power of attorney in place? No. Okay. Okay. And are you a tax resident of any other country? No. Just I just wanna revisit your goals and objectives that you had last time we met to see if it's still current or if there's anything else we need to include. You in the short term, you said yourself and Tyron are considering moving to Queensland, whether it be in Queensland or in Melbourne, you wanna purchase a new home soon, and you're interested in how we can help you save for the house deposit through the first homeowners super scheme. Yep. Yep. Okay. And do you think you will be looking to purchase, or where will you be moving? Yep. Okay. Okay. Alright. So we can leave that in there as a go. Would that be what time frame do you think you'd look at buying? Would it be a couple of years? Yep. Okay. Alright. Beautiful. I've updated that. Another one of your goals is in retirement, you'd like to be debt free and have purchased and paid off your home, which you do have significant time for. You're also interested in setting up a legacy for your children and having additional investments that can pay your way through your retirement. Mhmm. Probably to break that down just a little bit further, the legacy and investments for your children, is that something separate to having additional investments that you can pay to supplement your time and income when when that comes. Yep. Yep. Okay. Is it have you thought about what the purpose of it is for sorry. Total blank then. For Mila, have you thought about what the what the purpose of it is? Is it is it education? Is it a little nest egg? Yep. Mhmm. Is yeah. Yes. Yep. So the there's definitely things we can look at. What kind of age would you think that you would like her to access it or have access to it? Yeah. A good age. And is there a certain amount that you wanted available at 25 for her? Or Yeah. Yep. Okay. From a cash flow perspective, I guess, what would be an amount that you could contribute to it, whether it be weekly, fortnightly, monthly? And we can look at some figures as to what that looks like for you. Yeah. Yes. Exactly. Alright. Fantastic. And then looking at additional ways that you can fund your retirement when you get there, that would probably look depend on your retirement age and your the status of the debt on your home at the time. What is your ideal retirement age? Yep. Yep. It does, doesn't it? It it's it it is a bit deflating where the world is at the moment. In retirement, if you're debt free, how much do you think you would need per week, per fortnight to live? Mhmm. Mhmm. Yep. Is that for both? Yep. Yep. Beautiful. That's fine. Because what we can do is when we do project that and see what we need to do to get you there, we do take into consideration inflation. And, you know, that 1,000 today might actually be worth 2,000 by the time you retire. So we do take that into consideration. So it's just a starting point for us to kinda look at your full holistic financial situation and how we're gonna help you get there. The other goal was that you wanna be able to keep track of your super a lot more and not just be winging it, and you wanna have the best options available to you. How are you feeling with your Hub twenty four account? Yep. Yes. I understand. Well, what I might do I'm not sure how that works. So what I can do is get one of my colleagues to help with that potentially. It might be as simple as we maybe can set up a two factor where it just automatically goes in. So let me make a note of that. No. I get it. I've got two I've got two factor ever across my whole entire platform of work, and it drives me crazy as well. So I completely understand exactly where you're coming from. The last goal was, in the longer term, you're interested in getting better value for money for your life, keeping the income protection. However, at the time, you hadn't finished maternity leave yet. So is it something that you want to look at reviewing your life PPD income protection at this point in time? Mhmm. Set and forget. Yeah. Yep. Alright. Alright. I'm going to touch on that shortly when we go through our review and get a little just go a little bit deeper with it and ask a little bit more questions. With your goals and objectives, are there any new ones that you need to you want me to look at and see if we can assist in it? Yep. Yep. Yeah. Okay. Okay. Okay. And with your in in funding that, would you would you take out a loan? Yep. Yep. Yeah. Well, I can put you in contact with a professional partner that we do work with if you like to help you look at that. Yeah? I can arrange for that. Anything else that you would like to you think you may need advice on or that we could help you with? Mhmm. It's it's a big it's a big adjustment. Professional partner wise, I don't think we have anything. We won't have anyone that can assist with that. But with your husband's potential new role, you mentioned he has two opportunities. Is there in it might be worth discussing with them about relocation support? And because a lot a lot of them these days do assist with that in relation to those relocation expenses. So I'd probably look at that as your first point of call, and they would be able to if they're unable I mean, if they are able to offer the financial support of that, then they might be able to also point you in the direction of someone that can can also help you with the logistics of it and all all that sort of stuff. Yeah. Yeah. So once you've made a decision, I think reach out to them. And, yeah, a lot of them do. No. That's okay. No. I've seen it a few times, so it it helps just to have your options open. So what I'm going to do, you may do you have access to your emails at the moment? Yeah. Nope. That's okay. Alright. I've just sent you a review pack, and it will come through from OdooSign. That's just the platform that we use. So they're the doc contained in that email are the documents that we're gonna run through just now and complete your review and see how we go. Yeah. No worries at all. Beautiful. So I think you need to click the sign button, and it's gonna take us through all the documents. You don't you're not signing anything at the present moment. It's just gonna navigate us through the documents that are attached. So I'm hoping when you open it, the first document is a overview summary of superannuation insurance. Yep. So you'll see in the top, you've got your hub account. It's sitting at $92,209. And then we have your insurances below with MetLife. So they're sitting at $262,500 each for life and PPD, and income protection at $2,245 a month with a 60 day waiting period and a five year benefit period. Now what's the life insurance one of the questions I probably would pose to you, and it might be in And then, that would that be we need to think about along the lines of is there enough there, for him to, potentially take on someone that could provide additional care for Mila if he was to continue to work? Would he need to continue to work to meet the lifestyle and the expenses that you're you're accustomed that they're accustomed to? Schooling wise, what are the plans for Mila? Is it are you thinking private or public school? So that they are kind of the things we look at when we, assess your needs for levels of cover, particularly when children are involved as, you know, they cost us a a fair bit. So I don't know if you have any thoughts about that yourself because I can go away and run some figures and and have a look at some things. Yep. Yeah. Okay. So you don't think that there'd be any if you don't mind me asking, do you know what his income is? Yeah. Okay. Okay. Fantastic. Do you think there were that you would want any funds available for them to purchase a house or just that amount is fine? Yeah. Okay. I won't be a I'm just making some notes as we go. So with your income protection, I'm just gonna do a quick calculation. $297.05. You're a little bit based on 51,000 a year, you're a little bit shy, some insured, of having your 77 70% of your income insured. So you fall shy about $500. So, potentially, your sum insured for income protection could be as high as $2,975 a month. Just flagging this with you as if this is something that you wanted to look at increasing or if you're happy to leave it as is. Yep. Yep. And you're and you're comfortable with the sixty day waiting period? Yeah. And you understand what that means? Yeah. Beautiful. Okay. The only other thing that I did wanna flag with you is part of a risk protection portfolio is something called trauma insurance, and you don't presently have that. Has that been discussed with you in the past? No? Okay. So what I'll do is I'll give you a very brief rundown. Trauma insurance covers when you are diagnosed with a specific condition. So in a trauma policy, it's generally 40 plus different conditions, and they range from different types of cancer to stroke to heart attack, neurological issues, etcetera. And what that is is it's a lump sum payment tax free to the individual. And, typically, what we would cover in a how we would work out a recommended level of cover would a an amount to look at out of pocket medical expenses and to generally cover if there's any debt, pay out some debt to take the pressure off the family, and, additionally, a recuperation period. Because, typically, what what we do see is that a trauma claim doesn't necessarily mean it's a terminal situation. It means that you're getting treatment, and in most cases, you will return to the workforce. So it's just designed to take that pressure off the family when you're going through the treatment of a potential health issue. The issue well, not the issue. The reason why it's tax free is because it's paid from your personal tax personal cash flow, so you cannot fund it from superannuation. So, I mean, it I mean, given your age, it it you're probably in the relatively cheaper side of it. However, it's probably important for you to look at as well being a woman. There are a lot of lot of things that can happen to us in this age bracket. And, yeah, I I always feel like it's better to be safe than sorry. You can have a look at it and make a decision that way. But if it's okay with you, I really would like to have a look at some level of trauma for you. Yeah. Yep. Yeah. Yeah. And a lot of the a lot of the time, the income protection, you've got a sixty day waiting period, which is ninety days essentially from your first payment. That's three months without an income. But, additionally, unfortunately, just because you're undergoing treatment, it doesn't mean that you're unable to work, and that's the problem with the income protection. I had a friend who had breast cancer a couple years ago. So and I saw her. Like, her recovery period was about six weeks after her mastectomy, and then she was fine to go back to work while doing other treatments. So I kind of it's it's not it's not great. Okay. So I might if that's okay with you, I'd like to have a look at look at that. Alright. Fantastic. The next document in your pack should be a performance report. Is it a twelve month one? Is it go from September 25 to August or August 31? Beautiful. Okay. So I'm gonna start with the bad news first. The bad news is you'll see that that fund at the very top and along Australian equities funds. It experienced quite a significant negative return in that twelve month period. The rest of your portfolio performed extremely well. However, given your exposure to that Benelon Australian equities fund where the vast majority of your funds are invested, well, at least, I guess, maybe as a as a quarter of it, it did have an impact in your overall and your return. The Bennelong Fund itself underperformed not due to the Australian market underperforming, but more to the investment manager's mandate. So their mandate is to identify a strained company that they believe are undervalued for opportunities of growth. Unfortunately, the last twelve months, the banks and or the the blue the blue color, not blue color. Sorry. The a word that escaped me. The top ASX two hundred funds have performed significantly better. So, unfortunately, it's just that their mandate has not hit the mark. So our investment committee has reviewed it, and we're no longer comfortable withholding that in the portfolio as they're they are continuing with their mandate. And what we wanna do is look at opportunities available that can continue to help meet your goals and objectives that may be an alternative for Benelon. So, again, if you're happy for me to do that, I'd like to look into other options. Yep. And with the rest of your beautiful. And with the rest of your portfolio, you've got a really good allocation to significant satellite areas. So they're more niche niche sectors, I guess, you'd call it. So you've got some global agriculture, some global cyber tech, some battery tech and lithium, and you've also got America, Asia, and Europe with some health global health and just some diversified conservative funds to allow for a bit of a defensive option in your portfolio. So, unfortunately, the last twelve months, your account did only return gross oh, sorry, net of fees, 1.26%, which is well below where we want it. And the next document is another performance report showing six months to the August 31, which does show a lesser loss of Benelon, but a six month return of 5.02. So the the the portfolio itself is recovering, but we're sticking to our conviction in relation to replacing looking at alternatives to replace Benelong just due to the consistent underperformance. The next document along is the 2026 Vanguard index chart. Now what I I like to use this for is if on the right hand side of the column, if you look at the top four being US shares, Australian shares, international, and Australian listed properties, they're your gross assets. So you hold growth assets within your portfolio, and the the next two down Australian bonds and cash are your defensive assets. So your portfolio at the moment is made up of about 87 and a half percent to those top four, your growth assets, and 12.5% to your defensive assets, which are the bottom two. You you have identified as a high growth investor, which we see sitting around a 90 to 10% allocation, so 19% of of your funds in growth and 10% in incentive. A minimum time frame for that investment is always eight years. So given your superannuation isn't accessible for at least twenty four more years, I feel that your high growth risk profile is is sufficient. But the what I need to probably confirm with you is is that is that are you comfortable with that? Because with a high growth portfolio, what we do typically expect is one in every five years, you're gonna have a negative return. Typically, in a high growth portfolio, we'd see a return of eight to 10%, and that's usually grosser fees. That's not net of fees. So it's more so so if you can if you look at the Vanguard chart, for example, and you see those top four and the volatility that it's those those assets do experience as opposed to the more defensive assets listed below, It's really your comfort level as to whether you are prepared to experience that volatility with about 90% of your funds over the long term. So you will see that there's dips, and you will see recoveries. So it's more about yeah. Yep. Yeah. Yep. So what you'll see along the top, the other thing I like about the Vanguard index chart is along the top, you've got little black events that are noted. So yes. Yeah. And you'll see how the market's reacted in those events. And, like, the the perfect one is the COVID nineteen outbreak. The whole market essentially lost its mind. But you will see also that it does recover. So and that's why we always say over an eight year like, for a high growth asset allocation, you want it for a minimum of eight years because it does sometimes some of the assets can take a longer period to recover. But as long as you're comfortable with that, that's okay. So to confirm I mean, I can confirm that with you if you're happy and comfortable with it, or what what we can do is complete a little questionnaire, which gives me an idea of your your risk tolerance to see if you are still comfortable to sit in that high growth bracket. Yeah. Yeah. Yep. And we we the purpose of that and your reviews is always to make sure that we're staying on top of things. If there's anything that needs changing, we identify it, we discuss it, we get your approval, and we go ahead and conduct that research to get it done and then meet with you. So I will add that to my list to keep as is that look at options in relation to your portfolio. The next document along is a certificate of currency, and this is, again, just referring back to your levels of cover. So it's from MetLife, and it just explains what your covers are, the annual premiums, and that it is funded through your superannuation funds. So your fund is impacted by the reduction of the insurance premium. So that's why we can look at if cash flow allows adding a little bit extra into super to help minimize those that impact. Do you have any surplus cash flow that you would consider investing into super? Yep. Yep. So $50 a fortnight kinda thing? Yep. Okay. I can make a note of that and see what we can do there. The other thing I had with your insurance policies is that we've got Tyrone nominated as your beneficiary, but it's a nonbinding beneficiary, which means the trustees basically have discretion. He's your spouse. I mean, there's really no other financial dependent besides Mila, which it wouldn't be paid to. But what we can do is look at changing that to a nonlapsing binding, which means that instead of having to renew it every three odd years, it won't it won't lapse until and it updating that. Beautiful. Update that. Beautiful. And the next document along is our financial services guide. This just explains to you a little bit about who we are. Met some members of the team, which needs updating. I'm not in there just yet. I know. And then a little bit about who we are, what services we provide, and how we provide the advice fees. And if you're unhappy, avenues you can pursue to make a complaint. So that's what that document is. And the last two are ones that do require your signature. So is it your tax file number is the next document? No. You're absolutely fine. Okay. Yep. Okay. Beautiful. So that what that is is that we ask you if you're happy to continue as a client of Oakview Financial to sign this form and return it to us. So the fee is based on a percentage, but what we have done as opposed to in the past is we have fixed it. So the the fee won't, let's call it, fluctuate with the market. It's set for twelve months, and the fit and that will give you clarity and guidance on that. So the fee is $1,597.52 per annum. That is deducted from your superannuation fund on a monthly basis. So that works out to be a $133.13 approximately per month. And, again, with your so it covers your services. So if you have any all the advice that we're providing you with, so if you have any concerns, questions, or you think you need to seek some advice, you're not limited to one in your review a year. Just reach out to us whether it be via email or pick up the phone, and we're here for you. That's what that speaks up. So if you're happy with that, I'd ask you to sign it and return it. And then the last document is just the basically, your confirmation that you're happy for us to hold your tax file number. So the reason we do hold it is for superannuation funds in your state in in your state in your circumstance so we can provide ensure that we're able to hold on record that we have your authority to have provided that to hub twenty four to excessively in your super funds. So, again, we'd ask you to sign that if that's okay. Oh, yeah. Nice. Hopefully, some warmer weather comes our way. I know. Yeah. It's it's something that we've learned that we can't live without, but it's it's a very, very it's the bane of the my existence someday. That's okay. If there's any issues, I'll get my colleague reach out, but that should be fine. No. That's okay. Do you after all that information download, do you have any questions for me? Yep. That's good. That's good. Oh, that is good. Good. That's the with you know, our purpose is always to make sure that our clients sleep well at night. So if we're helping assist with that in one area of their lives and taking some pressure away, then we're doing our job. Thank you. Thank you. And just last do you are you happy with your annual for real reviews to be annual, or would you like them more frequent? Yep. Okay. I can make a note of that. Alright. Beautiful. Too easy. What I'll also do is I am gonna conduct some research on the areas we've talked about today. Typically, that would take about two to three weeks. I'm gonna reach back out to you within that time frame to set up another time just to go through the changes that I've looked at. So you can expect to hear from me again soon. But, yeah, I just thought I'd flag that with you before we go any further. Alright. Lovely. Well, thanks so much for your time today, Amy. I really appreciate it. You too. You too. Enjoy. You too. Bye bye. 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Amy. This is Jenna here from Oakview Financial. How are you today? I'm well. Thank you.\n\nJust before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And just so that I can confirm I'm speaking with the correct person, can you confirm your full name, date of birth, and address, please? Perfect.\n\nWe have your annual review booked in. Just confirming that now is still a good time. Well, I'll try and not take up too much of your time. Yep. Absolutely fine.\n\nAbsolutely fine. It's been good. Thank you. What about yours? Does an early start mean an early finish?\n\nYep. It's one job to another, isn't it? Yeah. Fantastic. You're absolutely fine.\n\nWhat I'd like to start doing, first of all, is just running through the information we have on file to make sure that it's up to date and current in regards to your personal and financial situation. So I have you listed here as a de facto. Is that still the case? Yeah. Do you have I know that you said you gotta go pick your daughter up.\n\nWhat is her name? How do I spell that? Okay. Just I thought I should always check. And what's her date of birth?\n\nOh, Lovely. Getting close to starting school. It is. It is. Yeah.\n\nIt is it is scary. And I've got your spouse's name down as tie Tyrone or Tyrone is Tyrone? Bravo. Beautiful. And do you have a contact number for him as we've got him listed as your next of kin, but we just don't have a phone number for him.\n\nYes? No. Please and apologize. It's absolutely fine. 536145.\n\nBeautiful. With your occupation, we have you as a nursery supervisor. Has that changed? Yep. Okay.\n\nAnd your employer name we had is. Has that changed? Yes. Okay. Yeah.\n\nAnd how many years have you been in the nursery supervisor position? Yep. Okay. That's fine. And are you still working full time?\n\nYep. That's fine. So still thirty eight hours? Yep. Okay.\n\nAlright. And we have your income down as 51,000. Is that correct? Yep. And your expenditure at $550 a week and savings of $50 a week?\n\nYep. Beautiful. And does your employer pay any more than the 12% standard, or it's just that? Yep. Beautiful.\n\nDo you make any additional contributions to? No. We can talk about that. And do you have an EBA agreement with your employer or anything? Okay.\n\nBeautiful. With the assets and liabilities, we had a study debt of 7,500. Is that still correct, or is it reduced? Yep. Beautiful.\n\nYeah. Yep. Yep. I feel you. And a personal loan of 2,500.\n\nBeautiful. And a savings account with 18,000. Yep. Okay. Fantastic.\n\nAny other assets or debts that may have you may have had since your last review? No? Okay. Fantastic. Alright.\n\nAre you still a nonsmoker? Yep. Any significant health issues or injuries can still last review? We had a back issue due to pregnancy. Yep.\n\nSo why is the why? That's not a nice way to spend your Christmas break. Yeah. Yep. Oh, no.\n\nNo. Okay. That's fine. And just with your estate planning, do you have a will or power of attorney in place? No.\n\nOkay. Okay. And are you a tax resident of any other country? No. Just I just wanna revisit your goals and objectives that you had last time we met to see if it's still current or if there's anything else we need to include.\n\nYou in the short term, you said yourself and Tyron are considering moving to Queensland, whether it be in Queensland or in Melbourne, you wanna purchase a new home soon, and you're interested in how we can help you save for the house deposit through the first homeowners super scheme. Yep. Yep. Okay. And do you think you will be looking to purchase, or where will you be moving?\n\nYep. Okay. Okay. Alright. So we can leave that in there as a go.\n\nWould that be what time frame do you think you'd look at buying? Would it be a couple of years? Yep. Okay. Alright.\n\nBeautiful. I've updated that. Another one of your goals is in retirement, you'd like to be debt free and have purchased and paid off your home, which you do have significant time for. You're also interested in setting up a legacy for your children and having additional investments that can pay your way through your retirement. Mhmm.\n\nProbably to break that down just a little bit further, the legacy and investments for your children, is that something separate to having additional investments that you can pay to supplement your time and income when when that comes. Yep. Yep. Okay. Is it have you thought about what the purpose of it is for sorry.\n\nTotal blank then. For Mila, have you thought about what the what the purpose of it is? Is it is it education? Is it a little nest egg? Yep.\n\nMhmm. Is yeah. Yes. Yep. So the there's definitely things we can look at.\n\nWhat kind of age would you think that you would like her to access it or have access to it? Yeah. A good age. And is there a certain amount that you wanted available at 25 for her? Or Yeah.\n\nYep. Okay. From a cash flow perspective, I guess, what would be an amount that you could contribute to it, whether it be weekly, fortnightly, monthly? And we can look at some figures as to what that looks like for you. Yeah.\n\nYes. Exactly. Alright. Fantastic. And then looking at additional ways that you can fund your retirement when you get there, that would probably look depend on your retirement age and your the status of the debt on your home at the time.\n\nWhat is your ideal retirement age? Yep. Yep. It does, doesn't it? It it's it it is a bit deflating where the world is at the moment.\n\nIn retirement, if you're debt free, how much do you think you would need per week, per fortnight to live? Mhmm. Mhmm. Yep. Is that for both?\n\nYep. Yep. Beautiful. That's fine. Because what we can do is when we do project that and see what we need to do to get you there, we do take into consideration inflation.\n\nAnd, you know, that 1,000 today might actually be worth 2,000 by the time you retire. So we do take that into consideration. So it's just a starting point for us to kinda look at your full holistic financial situation and how we're gonna help you get there. The other goal was that you wanna be able to keep track of your super a lot more and not just be winging it, and you wanna have the best options available to you. How are you feeling with your Hub twenty four account?\n\nYep. Yes. I understand. Well, what I might do I'm not sure how that works. So what I can do is get one of my colleagues to help with that potentially.\n\nIt might be as simple as we maybe can set up a two factor where it just automatically goes in. So let me make a note of that. No. I get it. I've got two I've got two factor ever across my whole entire platform of work, and it drives me crazy as well.\n\nSo I completely understand exactly where you're coming from. The last goal was, in the longer term, you're interested in getting better value for money for your life, keeping the income protection. However, at the time, you hadn't finished maternity leave yet. So is it something that you want to look at reviewing your life PPD income protection at this point in time? Mhmm.\n\nSet and forget. Yeah. Yep. Alright. Alright.\n\nI'm going to touch on that shortly when we go through our review and get a little just go a little bit deeper with it and ask a little bit more questions. With your goals and objectives, are there any new ones that you need to you want me to look at and see if we can assist in it? Yep. Yep. Yeah.\n\nOkay. Okay. Okay. And with your in in funding that, would you would you take out a loan? Yep.\n\nYep. Yeah. Well, I can put you in contact with a professional partner that we do work with if you like to help you look at that. Yeah? I can arrange for that.\n\nAnything else that you would like to you think you may need advice on or that we could help you with? Mhmm. It's it's a big it's a big adjustment. Professional partner wise, I don't think we have anything. We won't have anyone that can assist with that.\n\nBut with your husband's potential new role, you mentioned he has two opportunities. Is there in it might be worth discussing with them about relocation support? And because a lot a lot of them these days do assist with that in relation to those relocation expenses. So I'd probably look at that as your first point of call, and they would be able to if they're unable I mean, if they are able to offer the financial support of that, then they might be able to also point you in the direction of someone that can can also help you with the logistics of it and all all that sort of stuff. Yeah.\n\nYeah. So once you've made a decision, I think reach out to them. And, yeah, a lot of them do. No. That's okay.\n\nNo. I've seen it a few times, so it it helps just to have your options open. So what I'm going to do, you may do you have access to your emails at the moment? Yeah. Nope.\n\nThat's okay. Alright. I've just sent you a review pack, and it will come through from OdooSign. That's just the platform that we use. So they're the doc contained in that email are the documents that we're gonna run through just now and complete your review and see how we go.\n\nYeah. No worries at all. Beautiful. So I think you need to click the sign button, and it's gonna take us through all the documents. You don't you're not signing anything at the present moment.\n\nIt's just gonna navigate us through the documents that are attached. So I'm hoping when you open it, the first document is a overview summary of superannuation insurance. Yep. So you'll see in the top, you've got your hub account. It's sitting at $92,209.\n\nAnd then we have your insurances below with MetLife. So they're sitting at $262,500 each for life and PPD, and income protection at $2,245 a month with a 60 day waiting period and a five year benefit period. Now what's the life insurance one of the questions I probably would pose to you, and it might be in And then, that would that be we need to think about along the lines of is there enough there, for him to, potentially take on someone that could provide additional care for Mila if he was to continue to work? Would he need to continue to work to meet the lifestyle and the expenses that you're you're accustomed that they're accustomed to? Schooling wise, what are the plans for Mila?\n\nIs it are you thinking private or public school? So that they are kind of the things we look at when we, assess your needs for levels of cover, particularly when children are involved as, you know, they cost us a a fair bit. So I don't know if you have any thoughts about that yourself because I can go away and run some figures and and have a look at some things. Yep. Yeah.\n\nOkay. So you don't think that there'd be any if you don't mind me asking, do you know what his income is? Yeah. Okay. Okay.\n\nFantastic. Do you think there were that you would want any funds available for them to purchase a house or just that amount is fine? Yeah. Okay. I won't be a I'm just making some notes as we go.\n\nSo with your income protection, I'm just gonna do a quick calculation. $297.05. You're a little bit based on 51,000 a year, you're a little bit shy, some insured, of having your 77 70% of your income insured. So you fall shy about $500. So, potentially, your sum insured for income protection could be as high as $2,975 a month.\n\nJust flagging this with you as if this is something that you wanted to look at increasing or if you're happy to leave it as is. Yep. Yep. And you're and you're comfortable with the sixty day waiting period? Yeah.\n\nAnd you understand what that means? Yeah. Beautiful. Okay. The only other thing that I did wanna flag with you is part of a risk protection portfolio is something called trauma insurance, and you don't presently have that.\n\nHas that been discussed with you in the past? No? Okay. So what I'll do is I'll give you a very brief rundown. Trauma insurance covers when you are diagnosed with a specific condition.\n\nSo in a trauma policy, it's generally 40 plus different conditions, and they range from different types of cancer to stroke to heart attack, neurological issues, etcetera. And what that is is it's a lump sum payment tax free to the individual. And, typically, what we would cover in a how we would work out a recommended level of cover would a an amount to look at out of pocket medical expenses and to generally cover if there's any debt, pay out some debt to take the pressure off the family, and, additionally, a recuperation period. Because, typically, what what we do see is that a trauma claim doesn't necessarily mean it's a terminal situation. It means that you're getting treatment, and in most cases, you will return to the workforce.\n\nSo it's just designed to take that pressure off the family when you're going through the treatment of a potential health issue. The issue well, not the issue. The reason why it's tax free is because it's paid from your personal tax personal cash flow, so you cannot fund it from superannuation. So, I mean, it I mean, given your age, it it you're probably in the relatively cheaper side of it. However, it's probably important for you to look at as well being a woman.\n\nThere are a lot of lot of things that can happen to us in this age bracket. And, yeah, I I always feel like it's better to be safe than sorry. You can have a look at it and make a decision that way. But if it's okay with you, I really would like to have a look at some level of trauma for you. Yeah.\n\nYep. Yeah. Yeah. And a lot of the a lot of the time, the income protection, you've got a sixty day waiting period, which is ninety days essentially from your first payment. That's three months without an income.\n\nBut, additionally, unfortunately, just because you're undergoing treatment, it doesn't mean that you're unable to work, and that's the problem with the income protection. I had a friend who had breast cancer a couple years ago. So and I saw her. Like, her recovery period was about six weeks after her mastectomy, and then she was fine to go back to work while doing other treatments. So I kind of it's it's not it's not great.\n\nOkay. So I might if that's okay with you, I'd like to have a look at look at that. Alright. Fantastic. The next document in your pack should be a performance report.\n\nIs it a twelve month one? Is it go from September 25 to August or August 31? Beautiful. Okay. So I'm gonna start with the bad news first.\n\nThe bad news is you'll see that that fund at the very top and along Australian equities funds. It experienced quite a significant negative return in that twelve month period. The rest of your portfolio performed extremely well. However, given your exposure to that Benelon Australian equities fund where the vast majority of your funds are invested, well, at least, I guess, maybe as a as a quarter of it, it did have an impact in your overall and your return. The Bennelong Fund itself underperformed not due to the Australian market underperforming, but more to the investment manager's mandate.\n\nSo their mandate is to identify a strained company that they believe are undervalued for opportunities of growth. Unfortunately, the last twelve months, the banks and or the the blue the blue color, not blue color. Sorry. The a word that escaped me. The top ASX two hundred funds have performed significantly better.\n\nSo, unfortunately, it's just that their mandate has not hit the mark. So our investment committee has reviewed it, and we're no longer comfortable withholding that in the portfolio as they're they are continuing with their mandate. And what we wanna do is look at opportunities available that can continue to help meet your goals and objectives that may be an alternative for Benelon. So, again, if you're happy for me to do that, I'd like to look into other options. Yep.\n\nAnd with the rest of your beautiful. And with the rest of your portfolio, you've got a really good allocation to significant satellite areas. So they're more niche niche sectors, I guess, you'd call it. So you've got some global agriculture, some global cyber tech, some battery tech and lithium, and you've also got America, Asia, and Europe with some health global health and just some diversified conservative funds to allow for a bit of a defensive option in your portfolio. So, unfortunately, the last twelve months, your account did only return gross oh, sorry, net of fees, 1.26%, which is well below where we want it.\n\nAnd the next document is another performance report showing six months to the August 31, which does show a lesser loss of Benelon, but a six month return of 5.02. So the the the portfolio itself is recovering, but we're sticking to our conviction in relation to replacing looking at alternatives to replace Benelong just due to the consistent underperformance. The next document along is the 2026 Vanguard index chart. Now what I I like to use this for is if on the right hand side of the column, if you look at the top four being US shares, Australian shares, international, and Australian listed properties, they're your gross assets. So you hold growth assets within your portfolio, and the the next two down Australian bonds and cash are your defensive assets.\n\nSo your portfolio at the moment is made up of about 87 and a half percent to those top four, your growth assets, and 12.5% to your defensive assets, which are the bottom two. You you have identified as a high growth investor, which we see sitting around a 90 to 10% allocation, so 19% of of your funds in growth and 10% in incentive. A minimum time frame for that investment is always eight years. So given your superannuation isn't accessible for at least twenty four more years, I feel that your high growth risk profile is is sufficient. But the what I need to probably confirm with you is is that is that are you comfortable with that?\n\nBecause with a high growth portfolio, what we do typically expect is one in every five years, you're gonna have a negative return. Typically, in a high growth portfolio, we'd see a return of eight to 10%, and that's usually grosser fees. That's not net of fees. So it's more so so if you can if you look at the Vanguard chart, for example, and you see those top four and the volatility that it's those those assets do experience as opposed to the more defensive assets listed below, It's really your comfort level as to whether you are prepared to experience that volatility with about 90% of your funds over the long term. So you will see that there's dips, and you will see recoveries.\n\nSo it's more about yeah. Yep. Yeah. Yep. So what you'll see along the top, the other thing I like about the Vanguard index chart is along the top, you've got little black events that are noted.\n\nSo yes. Yeah. And you'll see how the market's reacted in those events. And, like, the the perfect one is the COVID nineteen outbreak. The whole market essentially lost its mind.\n\nBut you will see also that it does recover. So and that's why we always say over an eight year like, for a high growth asset allocation, you want it for a minimum of eight years because it does sometimes some of the assets can take a longer period to recover. But as long as you're comfortable with that, that's okay. So to confirm I mean, I can confirm that with you if you're happy and comfortable with it, or what what we can do is complete a little questionnaire, which gives me an idea of your your risk tolerance to see if you are still comfortable to sit in that high growth bracket. Yeah.\n\nYeah. Yep. And we we the purpose of that and your reviews is always to make sure that we're staying on top of things. If there's anything that needs changing, we identify it, we discuss it, we get your approval, and we go ahead and conduct that research to get it done and then meet with you. So I will add that to my list to keep as is that look at options in relation to your portfolio.\n\nThe next document along is a certificate of currency, and this is, again, just referring back to your levels of cover. So it's from MetLife, and it just explains what your covers are, the annual premiums, and that it is funded through your superannuation funds. So your fund is impacted by the reduction of the insurance premium. So that's why we can look at if cash flow allows adding a little bit extra into super to help minimize those that impact. Do you have any surplus cash flow that you would consider investing into super?\n\nYep. Yep. So $50 a fortnight kinda thing? Yep. Okay.\n\nI can make a note of that and see what we can do there. The other thing I had with your insurance policies is that we've got Tyrone nominated as your beneficiary, but it's a nonbinding beneficiary, which means the trustees basically have discretion. He's your spouse. I mean, there's really no other financial dependent besides Mila, which it wouldn't be paid to. But what we can do is look at changing that to a nonlapsing binding, which means that instead of having to renew it every three odd years, it won't it won't lapse until and it updating that.\n\nBeautiful. Update that. Beautiful. And the next document along is our financial services guide. This just explains to you a little bit about who we are.\n\nMet some members of the team, which needs updating. I'm not in there just yet. I know. And then a little bit about who we are, what services we provide, and how we provide the advice fees. And if you're unhappy, avenues you can pursue to make a complaint.\n\nSo that's what that document is. And the last two are ones that do require your signature. So is it your tax file number is the next document? No. You're absolutely fine.\n\nOkay. Yep. Okay. Beautiful. So that what that is is that we ask you if you're happy to continue as a client of Oakview Financial to sign this form and return it to us.\n\nSo the fee is based on a percentage, but what we have done as opposed to in the past is we have fixed it. So the the fee won't, let's call it, fluctuate with the market. It's set for twelve months, and the fit and that will give you clarity and guidance on that. So the fee is $1,597.52 per annum. That is deducted from your superannuation fund on a monthly basis.\n\nSo that works out to be a $133.13 approximately per month. And, again, with your so it covers your services. So if you have any all the advice that we're providing you with, so if you have any concerns, questions, or you think you need to seek some advice, you're not limited to one in your review a year. Just reach out to us whether it be via email or pick up the phone, and we're here for you. That's what that speaks up.\n\nSo if you're happy with that, I'd ask you to sign it and return it. And then the last document is just the basically, your confirmation that you're happy for us to hold your tax file number. So the reason we do hold it is for superannuation funds in your state in in your state in your circumstance so we can provide ensure that we're able to hold on record that we have your authority to have provided that to hub twenty four to excessively in your super funds. So, again, we'd ask you to sign that if that's okay. Oh, yeah.\n\nNice. Hopefully, some warmer weather comes our way. I know. Yeah. It's it's something that we've learned that we can't live without, but it's it's a very, very it's the bane of the my existence someday.\n\nThat's okay. If there's any issues, I'll get my colleague reach out, but that should be fine. No. That's okay. Do you after all that information download, do you have any questions for me?\n\nYep. That's good. That's good. Oh, that is good. Good.\n\nThat's the with you know, our purpose is always to make sure that our clients sleep well at night. So if we're helping assist with that in one area of their lives and taking some pressure away, then we're doing our job. Thank you. Thank you. And just last do you are you happy with your annual for real reviews to be annual, or would you like them more frequent?\n\nYep. Okay. I can make a note of that. Alright. Beautiful.\n\nToo easy. What I'll also do is I am gonna conduct some research on the areas we've talked about today. Typically, that would take about two to three weeks. I'm gonna reach back out to you within that time frame to set up another time just to go through the changes that I've looked at. So you can expect to hear from me again soon.\n\nBut, yeah, I just thought I'd flag that with you before we go any further. Alright. Lovely. Well, thanks so much for your time today, Amy. I really appreciate it.\n\nYou too. You too. Enjoy. You too. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Amy.","start":3.04,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.1508837789297104},{"text":"This is Jenna here from Oakview Financial.","start":3.9199998,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.18511943093367986},{"text":"How are you today?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.2119927555322647},{"text":"I'm well.","start":9.04,"end":9.86,"sentiment":"positive","sentiment_score":0.43235255777835846},{"text":"Thank you.","start":9.92,"end":10.74,"sentiment":"positive","sentiment_score":0.5729093700647354}],"sentiment":"neutral","sentiment_score":0.2621234383653192,"num_words":17,"start":3.04,"end":10.74},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":11.84,"end":16.995,"sentiment":"neutral","sentiment_score":0.045526247633540115},{"text":"Is that okay?","start":17.055,"end":17.875,"sentiment":"neutral","sentiment_score":0.045161968717972435},{"text":"Beautiful.","start":19.935,"end":20.435,"sentiment":"positive","sentiment_score":0.4741213917732239},{"text":"And just so that I can confirm I'm speaking with the correct person, can you confirm your full name, date of birth, and address, please?","start":20.895,"end":29.0,"sentiment":"neutral","sentiment_score":0.09313259690999985},{"text":"Perfect.","start":40.1,"end":40.575,"sentiment":"positive","sentiment_score":0.678514838218689}],"sentiment":"neutral","sentiment_score":0.08799133498994809,"num_words":53,"start":11.84,"end":40.575},{"sentences":[{"text":"We have your annual review booked in.","start":41.855,"end":44.095,"sentiment":"positive","sentiment_score":0.5678962000778743},{"text":"Just confirming that now is still a good time.","start":44.095,"end":46.755,"sentiment":"positive","sentiment_score":0.6108553409576416},{"text":"Well, I'll try and not take up too much of your time.","start":55.160004,"end":58.06,"sentiment":"neutral","sentiment_score":-0.09307054647554953},{"text":"Yep.","start":61.160004,"end":61.32,"sentiment":"neutral","sentiment_score":0.0204841997474432},{"text":"Absolutely fine.","start":61.32,"end":67.18,"sentiment":"neutral","sentiment_score":0.06201331317424774}],"sentiment":"neutral","sentiment_score":0.27421405605010446,"num_words":31,"start":41.855,"end":67.18},{"sentences":[{"text":"Absolutely fine.","start":67.240005,"end":68.3,"sentiment":"neutral","sentiment_score":0.11782096326351166},{"text":"It's been good.","start":71.065,"end":71.785,"sentiment":"neutral","sentiment_score":0.31584441661834717},{"text":"Thank you.","start":71.785,"end":72.185005,"sentiment":"neutral","sentiment_score":0.3052351623773575},{"text":"What about yours?","start":72.185005,"end":73.085,"sentiment":"neutral","sentiment_score":0.07539647817611694},{"text":"Does an early start mean an early finish?","start":79.865005,"end":82.205,"sentiment":"neutral","sentiment_score":0.012749672401696444}],"sentiment":"neutral","sentiment_score":0.11787957304881679,"num_words":18,"start":67.240005,"end":82.205},{"sentences":[{"text":"Yep.","start":85.94,"end":86.44,"sentiment":"neutral","sentiment_score":-0.029849424958229065},{"text":"It's one job to another, isn't it?","start":86.82,"end":89.64,"sentiment":"neutral","sentiment_score":-0.039642596883433204},{"text":"Yeah.","start":90.18,"end":90.68,"sentiment":"neutral","sentiment_score":0.028709519654512405},{"text":"Fantastic.","start":95.62,"end":96.12,"sentiment":"positive","sentiment_score":0.3856907486915589},{"text":"You're absolutely fine.","start":97.54,"end":98.895004,"sentiment":"positive","sentiment_score":0.3723381757736206}],"sentiment":"neutral","sentiment_score":0.09415901480959012,"num_words":13,"start":85.94,"end":98.895004},{"sentences":[{"text":"What I'd like to start doing, first of all, is just running through the information we have on file to make sure that it's up to date and current in regards to your personal and financial situation.","start":99.355,"end":109.295,"sentiment":"neutral","sentiment_score":0.07082286059252314},{"text":"So I have you listed here as a de facto.","start":110.875,"end":113.435,"sentiment":"neutral","sentiment_score":0.1031387522816658},{"text":"Is that still the case?","start":113.435,"end":114.79,"sentiment":"neutral","sentiment_score":0.0553708903491497},{"text":"Yeah.","start":116.13,"end":116.63,"sentiment":"neutral","sentiment_score":0.0551408976316452},{"text":"Do you have I know that you said you gotta go pick your daughter up.","start":118.29,"end":124.95,"sentiment":"neutral","sentiment_score":0.016264187917113305}],"sentiment":"neutral","sentiment_score":0.06217340489520746,"num_words":68,"start":99.355,"end":124.95},{"sentences":[{"text":"What is her name?","start":125.09,"end":126.39,"sentiment":"neutral","sentiment_score":0.007455023587681353},{"text":"How do I spell that?","start":128.37,"end":131.05501,"sentiment":"neutral","sentiment_score":0.007409272249788046},{"text":"Okay.","start":131.91501,"end":132.395,"sentiment":"neutral","sentiment_score":0.011025882326066494},{"text":"Just I thought I should always check.","start":132.395,"end":134.335,"sentiment":"neutral","sentiment_score":0.01039391543184008},{"text":"And what's her date of birth?","start":134.79501,"end":136.085,"sentiment":"neutral","sentiment_score":0.006361933114627997}],"sentiment":"neutral","sentiment_score":0.008209623679842638,"num_words":23,"start":125.09,"end":136.085},{"sentences":[{"text":"Oh, Lovely.","start":136.085,"end":142.73999,"sentiment":"neutral","sentiment_score":0.18801041040569544},{"text":"Getting close to starting school.","start":144.08,"end":145.78,"sentiment":"neutral","sentiment_score":0.14871616661548615},{"text":"It is.","start":147.92,"end":148.56,"sentiment":"neutral","sentiment_score":-0.2639215290546417},{"text":"It is.","start":148.56,"end":149.22,"sentiment":"neutral","sentiment_score":-0.208319753408432},{"text":"Yeah.","start":152.16,"end":152.56,"sentiment":"neutral","sentiment_score":-0.13557440042495728}],"sentiment":"neutral","sentiment_score":0.0032953907114764078,"num_words":12,"start":136.085,"end":152.56},{"sentences":[{"text":"It is it is scary.","start":152.56,"end":154.09999,"sentiment":"neutral","sentiment_score":-0.21139619946479798},{"text":"And I've got your spouse's name down as tie Tyrone or Tyrone is Tyrone?","start":155.2,"end":162.63501,"sentiment":"neutral","sentiment_score":-0.03380532186877515},{"text":"Bravo.","start":162.77501,"end":163.27501,"sentiment":"neutral","sentiment_score":0.3232472538948059},{"text":"Beautiful.","start":163.575,"end":164.075,"sentiment":"positive","sentiment_score":0.4177483916282654},{"text":"And do you have a contact number for him as we've got him listed as your next of kin, but we just don't have a phone number for him.","start":164.455,"end":172.61,"sentiment":"neutral","sentiment_score":0.025188039410217054}],"sentiment":"neutral","sentiment_score":-0.0011761343013495201,"num_words":50,"start":152.56,"end":172.61},{"sentences":[{"text":"Yes?","start":179.87,"end":180.37,"sentiment":"neutral","sentiment_score":0.006842931732535362},{"text":"No.","start":185.965,"end":186.465,"sentiment":"neutral","sentiment_score":-0.06652750074863434},{"text":"Please and apologize.","start":186.605,"end":187.665,"sentiment":"neutral","sentiment_score":-0.10981309413909912},{"text":"It's absolutely 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retirement, if you're debt free, how much do you think you would need per week, per fortnight to live?","start":714.47003,"end":723.695,"sentiment":"neutral","sentiment_score":-0.028634949680417777},{"text":"Mhmm.","start":729.35504,"end":729.85504,"sentiment":"neutral","sentiment_score":-0.14266499876976013},{"text":"Mhmm.","start":731.67505,"end":732.06,"sentiment":"neutral","sentiment_score":-0.06001042574644089},{"text":"Yep.","start":743.18,"end":743.68,"sentiment":"neutral","sentiment_score":0.04772113263607025},{"text":"Is that for both?","start":743.74,"end":744.825,"sentiment":"neutral","sentiment_score":0.03920045308768749}],"sentiment":"neutral","sentiment_score":-0.021142647153249493,"num_words":27,"start":714.47003,"end":744.825},{"sentences":[{"text":"Yep.","start":746.185,"end":746.685,"sentiment":"neutral","sentiment_score":0.1217007339000702},{"text":"Yep.","start":746.745,"end":747.22504,"sentiment":"neutral","sentiment_score":0.21621373295783997},{"text":"Beautiful.","start":747.22504,"end":747.72504,"sentiment":"positive","sentiment_score":0.5914281606674194},{"text":"That's fine.","start":748.505,"end":749.065,"sentiment":"positive","sentiment_score":0.4936828315258026},{"text":"Because what we can do is when we do project that and see what we need to do to get you there, we do take into consideration inflation.","start":749.065,"end":756.125,"sentiment":"neutral","sentiment_score":0.2913630838905062}],"sentiment":"neutral","sentiment_score":0.3052992315003366,"num_words":33,"start":746.185,"end":756.125},{"sentences":[{"text":"And, you know, that 1,000 today might actually be worth 2,000 by the time you retire.","start":756.185,"end":762.77997,"sentiment":"neutral","sentiment_score":0.20282483659684658},{"text":"So we do take that into consideration.","start":762.77997,"end":764.46,"sentiment":"neutral","sentiment_score":0.28742750201906475},{"text":"So it's just a starting point for us to kinda look at your full holistic financial situation and how we're gonna help you get there.","start":764.46,"end":772.16,"sentiment":"positive","sentiment_score":0.47049369096755983},{"text":"The other goal was that you wanna be able to keep track of your super a lot more and not just be winging it, and you wanna have the best options available to you.","start":775.635,"end":783.895,"sentiment":"positive","sentiment_score":0.36879683285951614},{"text":"How are you feeling with your Hub twenty four account?","start":785.075,"end":800.74,"sentiment":"neutral","sentiment_score":0.07609490007162094}],"sentiment":"neutral","sentiment_score":0.3295605814327364,"num_words":92,"start":756.185,"end":800.74},{"sentences":[{"text":"Yep.","start":814.265,"end":814.745,"sentiment":"neutral","sentiment_score":-0.18850922584533691},{"text":"Yes.","start":814.745,"end":815.065,"sentiment":"neutral","sentiment_score":-0.2068893015384674},{"text":"I understand.","start":815.065,"end":815.805,"sentiment":"negative","sentiment_score":-0.3571116328239441},{"text":"Well, what I might do I'm not sure how that works.","start":818.19,"end":821.07,"sentiment":"neutral","sentiment_score":-0.22543437643484635},{"text":"So what I can do is get one of my colleagues to help with that potentially.","start":821.07,"end":823.95,"sentiment":"neutral","sentiment_score":0.21020643692463636}],"sentiment":"neutral","sentiment_score":-0.007293449774865182,"num_words":31,"start":814.265,"end":823.95},{"sentences":[{"text":"It might be as simple as we maybe can set up a two factor where it just automatically goes in.","start":823.95,"end":828.53,"sentiment":"neutral","sentiment_score":0.2002035364508629},{"text":"So let me make a note of that.","start":828.83,"end":835.425,"sentiment":"neutral","sentiment_score":-0.05464194109663367},{"text":"No.","start":837.245,"end":837.565,"sentiment":"negative","sentiment_score":-0.42668354511260986},{"text":"I get it.","start":837.565,"end":838.465,"sentiment":"negative","sentiment_score":-0.5030500292778015},{"text":"I've got two I've got two factor ever across my whole entire platform of work, and it drives me crazy as well.","start":839.165,"end":846.23004,"sentiment":"neutral","sentiment_score":-0.3140026073564183}],"sentiment":"neutral","sentiment_score":-0.09772140360264867,"num_words":54,"start":823.95,"end":846.23004},{"sentences":[{"text":"So I completely understand exactly where you're coming from.","start":846.23004,"end":851.53,"sentiment":"neutral","sentiment_score":-0.16984453135066563},{"text":"The last goal was, in the longer term, you're interested in getting better value for money for your life, keeping the income protection.","start":855.27,"end":866.025,"sentiment":"positive","sentiment_score":0.39427851334862085},{"text":"However, at the time, you hadn't finished maternity leave yet.","start":867.60504,"end":873.79,"sentiment":"neutral","sentiment_score":-0.13531785160303117},{"text":"So is it something that you want to look at reviewing your life PPD income protection at this point in time?","start":874.41,"end":882.27,"sentiment":"neutral","sentiment_score":0.02407458069778624},{"text":"Mhmm.","start":895.555,"end":895.875,"sentiment":"neutral","sentiment_score":0.02289535477757454}],"sentiment":"neutral","sentiment_score":0.10492325091036037,"num_words":64,"start":846.23004,"end":895.875},{"sentences":[{"text":"Set and forget.","start":895.875,"end":903.01,"sentiment":"neutral","sentiment_score":-0.03731549655397733},{"text":"Yeah.","start":903.01,"end":903.51,"sentiment":"neutral","sentiment_score":0.00408659502863884},{"text":"Yep.","start":905.33,"end":905.83,"sentiment":"neutral","sentiment_score":0.05889585241675377},{"text":"Alright.","start":906.13,"end":906.63,"sentiment":"neutral","sentiment_score":0.10964943468570708},{"text":"Alright.","start":907.01,"end":907.49,"sentiment":"neutral","sentiment_score":0.10447891801595688}],"sentiment":"neutral","sentiment_score":0.02359490149787494,"num_words":7,"start":895.875,"end":907.49},{"sentences":[{"text":"I'm going to touch on that shortly when we go through our review and get a little just go a little bit deeper with it and ask a little bit more questions.","start":907.49,"end":916.565,"sentiment":"neutral","sentiment_score":0.09073361183982342},{"text":"With your goals and objectives, are there any new ones that you need to you want me to look at and see if we can assist in it?","start":917.105,"end":928.54,"sentiment":"neutral","sentiment_score":0.10617957610104765},{"text":"Yep.","start":928.54,"end":929.04,"sentiment":"neutral","sentiment_score":0.06458493322134018},{"text":"Yep.","start":937.81995,"end":938.145,"sentiment":"neutral","sentiment_score":0.01809915341436863},{"text":"Yeah.","start":940.78503,"end":941.10504,"sentiment":"neutral","sentiment_score":0.061463773250579834}],"sentiment":"neutral","sentiment_score":0.09556589792999956,"num_words":63,"start":907.49,"end":941.10504},{"sentences":[{"text":"Okay.","start":941.10504,"end":941.60504,"sentiment":"neutral","sentiment_score":0.07396338880062103},{"text":"Okay.","start":945.10504,"end":945.60504,"sentiment":"neutral","sentiment_score":0.05473019555211067},{"text":"Okay.","start":946.22504,"end":946.72504,"sentiment":"neutral","sentiment_score":0.04618360474705696},{"text":"And with your in in funding that, would you would you take out a loan?","start":948.385,"end":961.48,"sentiment":"neutral","sentiment_score":0.025197200973828635},{"text":"Yep.","start":961.86,"end":962.36,"sentiment":"neutral","sentiment_score":0.09085553139448166}],"sentiment":"neutral","sentiment_score":0.03387845974219473,"num_words":19,"start":941.10504,"end":962.36},{"sentences":[{"text":"Yep.","start":966.685,"end":967.185,"sentiment":"neutral","sentiment_score":0.04652807116508484},{"text":"Yeah.","start":968.445,"end":968.945,"sentiment":"neutral","sentiment_score":0.16406762599945068},{"text":"Well, I can put you in contact with a professional partner that we do work with if you like to help you look at that.","start":969.645,"end":977.34503,"sentiment":"neutral","sentiment_score":0.1833483463525772},{"text":"Yeah?","start":978.92505,"end":979.42505,"sentiment":"neutral","sentiment_score":0.17591679096221924},{"text":"I can arrange for that.","start":980.84503,"end":982.64,"sentiment":"neutral","sentiment_score":0.2904672145843506}],"sentiment":"neutral","sentiment_score":0.19462294605645267,"num_words":33,"start":966.685,"end":982.64},{"sentences":[{"text":"Anything else that you would like to you think you may need advice on or that we could help you with?","start":983.18,"end":990.0,"sentiment":"neutral","sentiment_score":0.1799822918006352},{"text":"Mhmm.","start":993.66,"end":994.065,"sentiment":"neutral","sentiment_score":-0.017473334446549416},{"text":"It's it's a big it's a big adjustment.","start":1012.87,"end":1014.97003,"sentiment":"neutral","sentiment_score":-0.20645197480916977},{"text":"Professional partner wise, I don't think we have anything.","start":1017.03,"end":1020.01,"sentiment":"neutral","sentiment_score":-0.21460255980491638},{"text":"We won't have anyone that can assist with that.","start":1020.15,"end":1022.285,"sentiment":"neutral","sentiment_score":-0.16776376797093284}],"sentiment":"neutral","sentiment_score":-0.027724124064358573,"num_words":48,"start":983.18,"end":1022.285},{"sentences":[{"text":"But with your husband's potential new role, you mentioned he has two opportunities.","start":1022.285,"end":1027.585,"sentiment":"neutral","sentiment_score":0.008487472740503458},{"text":"Is there in it might be worth discussing with them about relocation support?","start":1029.005,"end":1034.785,"sentiment":"neutral","sentiment_score":0.029247688272824653},{"text":"And because a lot a lot of them these days do assist with that in relation to those relocation expenses.","start":1035.165,"end":1045.36,"sentiment":"neutral","sentiment_score":0.10702848806977272},{"text":"So I'd probably look at that as your first point of call, and they would be able to if they're unable I mean, if they are able to offer the financial support of that, then they might be able to also point you in the direction of someone that can can also help you with the logistics of it and all all that sort of stuff.","start":1045.5801,"end":1066.0701,"sentiment":"neutral","sentiment_score":0.13768606932100022},{"text":"Yeah.","start":1068.61,"end":1069.11,"sentiment":"neutral","sentiment_score":0.13357999920845032}],"sentiment":"neutral","sentiment_score":0.10488484450409898,"num_words":113,"start":1022.285,"end":1069.11},{"sentences":[{"text":"Yeah.","start":1069.17,"end":1069.49,"sentiment":"neutral","sentiment_score":0.15649791061878204},{"text":"So once you've made a decision, I think reach out to them.","start":1069.49,"end":1073.99,"sentiment":"neutral","sentiment_score":0.26367807885011035},{"text":"And, yeah, a lot of them do.","start":1075.3301,"end":1076.9501,"sentiment":"positive","sentiment_score":0.6126330963202885},{"text":"No.","start":1077.73,"end":1078.05,"sentiment":"neutral","sentiment_score":-0.042863376438617706},{"text":"That's okay.","start":1078.05,"end":1078.85,"sentiment":"neutral","sentiment_score":0.046514609828591354}],"sentiment":"neutral","sentiment_score":0.3330101032295953,"num_words":23,"start":1069.17,"end":1078.85},{"sentences":[{"text":"No.","start":1078.85,"end":1079.35,"sentiment":"neutral","sentiment_score":-0.04611583426594734},{"text":"I've seen it a few times, so it it helps just to have your options open.","start":1079.445,"end":1084.585,"sentiment":"neutral","sentiment_score":0.12191186612471938},{"text":"So what I'm going to do, you may do you have access to your emails at the moment?","start":1087.445,"end":1091.64,"sentiment":"neutral","sentiment_score":0.03754896732668082},{"text":"Yeah.","start":1094.84,"end":1095.34,"sentiment":"neutral","sentiment_score":-0.048308804631233215},{"text":"Nope.","start":1095.56,"end":1096.06,"sentiment":"neutral","sentiment_score":-0.3084448277950287}],"sentiment":"neutral","sentiment_score":0.06009734603198799,"num_words":37,"start":1078.85,"end":1096.06},{"sentences":[{"text":"That's okay.","start":1096.4401,"end":1097.18,"sentiment":"negative","sentiment_score":-0.3333381861448288},{"text":"Alright.","start":1098.68,"end":1099.18,"sentiment":"neutral","sentiment_score":0.08909790217876434},{"text":"I've just sent you a review pack, and it will come through from OdooSign.","start":1099.3201,"end":1106.395,"sentiment":"neutral","sentiment_score":0.14711894733565195},{"text":"That's just the platform that we use.","start":1106.9349,"end":1109.115,"sentiment":"neutral","sentiment_score":0.10942849836179189},{"text":"So they're the doc contained in that email are the documents that we're gonna run through just now and complete your review and see how we go.","start":1109.735,"end":1122.06,"sentiment":"neutral","sentiment_score":0.13796957582235336}],"sentiment":"neutral","sentiment_score":0.11712283977106505,"num_words":51,"start":1096.4401,"end":1122.06},{"sentences":[{"text":"Yeah.","start":1126.4401,"end":1126.76,"sentiment":"neutral","sentiment_score":0.02611216902732849},{"text":"No worries at all.","start":1126.76,"end":1128.06,"sentiment":"neutral","sentiment_score":0.051429035142064095},{"text":"Beautiful.","start":1149.5,"end":1150.0,"sentiment":"positive","sentiment_score":0.5651448965072632},{"text":"So I think you need to click the sign button, and it's gonna take us through all the documents.","start":1150.7,"end":1155.42,"sentiment":"neutral","sentiment_score":0.0891735757652082},{"text":"You don't you're not signing anything at the present moment.","start":1155.42,"end":1157.865,"sentiment":"neutral","sentiment_score":-0.10232371278107166}],"sentiment":"neutral","sentiment_score":0.0419438290808882,"num_words":35,"start":1126.4401,"end":1157.865},{"sentences":[{"text":"It's just gonna navigate us through the documents that are attached.","start":1157.865,"end":1160.925,"sentiment":"neutral","sentiment_score":0.026896045966581864},{"text":"So I'm hoping when you open it, the first document is a overview summary of superannuation insurance.","start":1163.625,"end":1169.645,"sentiment":"neutral","sentiment_score":0.08698793807450463},{"text":"Yep.","start":1170.985,"end":1171.485,"sentiment":"neutral","sentiment_score":0.04786638915538788},{"text":"So you'll see in the top, you've got your hub account.","start":1171.6901,"end":1174.27,"sentiment":"neutral","sentiment_score":0.07143610952930017},{"text":"It's sitting at $92,209.","start":1174.41,"end":1177.9501,"sentiment":"neutral","sentiment_score":0.060221800580620766}],"sentiment":"neutral","sentiment_score":0.064754596572708,"num_words":44,"start":1157.865,"end":1177.9501},{"sentences":[{"text":"And then we have your insurances below with MetLife.","start":1178.25,"end":1181.0701,"sentiment":"neutral","sentiment_score":0.0541975779665841},{"text":"So they're sitting at $262,500 each for life and PPD, and income protection at $2,245 a month with a 60 day waiting period and a five year benefit period.","start":1181.2101,"end":1195.0249,"sentiment":"neutral","sentiment_score":0.08151579417031386},{"text":"Now what's the life insurance one of the questions I probably would pose to you, and it might be in And then, that would that be we need to think about along the lines of is there enough there, for him to, potentially take on someone that could provide additional care for Mila if he was to continue to work?","start":1195.965,"end":1231.9801,"sentiment":"neutral","sentiment_score":0.011261630865434805},{"text":"Would he need to continue to work to meet the lifestyle and the expenses that you're you're accustomed that they're accustomed to?","start":1231.9801,"end":1240.4,"sentiment":"neutral","sentiment_score":0.025618157857521015},{"text":"Schooling wise, what are the plans for Mila?","start":1241.9,"end":1245.115,"sentiment":"neutral","sentiment_score":0.018518731580115855}],"sentiment":"neutral","sentiment_score":0.03311862039117841,"num_words":128,"start":1178.25,"end":1245.115},{"sentences":[{"text":"Is it are you thinking private or public school?","start":1245.115,"end":1248.895,"sentiment":"neutral","sentiment_score":0.008205265427629152},{"text":"So that they are kind of the things we look at when we, assess your needs for levels of cover, particularly when children are involved as, you know, they cost us a a fair bit.","start":1249.1951,"end":1264.23,"sentiment":"neutral","sentiment_score":-0.015640547924808092},{"text":"So I don't know if you have any thoughts about that yourself because I can go away and run some figures and and have a look at some things.","start":1267.49,"end":1279.165,"sentiment":"neutral","sentiment_score":-0.019630305003374815},{"text":"Yep.","start":1283.0651,"end":1283.5651,"sentiment":"neutral","sentiment_score":0.07319264113903046},{"text":"Yeah.","start":1288.665,"end":1288.98,"sentiment":"neutral","sentiment_score":0.15330123901367188}],"sentiment":"neutral","sentiment_score":-0.010884756712863843,"num_words":75,"start":1245.115,"end":1288.98},{"sentences":[{"text":"Okay.","start":1291.54,"end":1292.04,"sentiment":"neutral","sentiment_score":0.0711381807923317},{"text":"So you don't think that there'd be any if you don't mind me asking, do you know what his income is?","start":1292.1,"end":1297.88,"sentiment":"neutral","sentiment_score":-0.0024277174047061373},{"text":"Yeah.","start":1302.66,"end":1302.915,"sentiment":"neutral","sentiment_score":0.035553060472011566},{"text":"Okay.","start":1306.5951,"end":1307.0951,"sentiment":"neutral","sentiment_score":0.1424524188041687},{"text":"Okay.","start":1307.155,"end":1307.655,"sentiment":"positive","sentiment_score":0.35700374841690063}],"sentiment":"neutral","sentiment_score":0.02220661371946335,"num_words":25,"start":1291.54,"end":1307.655},{"sentences":[{"text":"Fantastic.","start":1307.7151,"end":1308.2151,"sentiment":"positive","sentiment_score":0.5768547058105469},{"text":"Do you think there were that you would want any funds available for them to purchase a house or just that amount is fine?","start":1309.235,"end":1326.27,"sentiment":"neutral","sentiment_score":0.17772370825211206},{"text":"Yeah.","start":1326.27,"end":1326.77,"sentiment":"neutral","sentiment_score":0.039114780724048615},{"text":"Okay.","start":1326.83,"end":1327.245,"sentiment":"neutral","sentiment_score":0.04300826787948608},{"text":"I won't be a I'm just making some notes as we go.","start":1327.245,"end":1332.705,"sentiment":"neutral","sentiment_score":0.008128370624035597}],"sentiment":"neutral","sentiment_score":0.12876633846033841,"num_words":39,"start":1307.7151,"end":1332.705},{"sentences":[{"text":"So with your income protection, I'm just gonna do a quick calculation.","start":1334.045,"end":1340.785,"sentiment":"neutral","sentiment_score":0.021957138708482187},{"text":"$297.05.","start":1343.54,"end":1344.66,"sentiment":"neutral","sentiment_score":-0.004273430909961462},{"text":"You're a little bit based on 51,000 a year, you're a little bit shy, some insured, of having your 77 70% of your income insured.","start":1344.66,"end":1353.8,"sentiment":"neutral","sentiment_score":-0.08513099879026413},{"text":"So you fall shy about $500.","start":1354.1951,"end":1356.775,"sentiment":"neutral","sentiment_score":-0.10023106634616852},{"text":"So, potentially, your sum insured for income protection could be as high as $2,975 a month.","start":1358.435,"end":1365.3351,"sentiment":"neutral","sentiment_score":-0.041139669716358185}],"sentiment":"neutral","sentiment_score":-0.05214473082839201,"num_words":60,"start":1334.045,"end":1365.3351},{"sentences":[{"text":"Just flagging this with you as if this is something that you wanted to look at increasing or if you're happy to leave it as is.","start":1367.03,"end":1376.4099,"sentiment":"neutral","sentiment_score":-0.019756826357199594},{"text":"Yep.","start":1379.4299,"end":1379.9299,"sentiment":"neutral","sentiment_score":0.16750138998031616},{"text":"Yep.","start":1380.15,"end":1380.63,"sentiment":"neutral","sentiment_score":0.14915572106838226},{"text":"And you're and you're comfortable with the sixty day waiting period?","start":1380.63,"end":1384.1449,"sentiment":"neutral","sentiment_score":0.2048188109289516},{"text":"Yeah.","start":1385.725,"end":1386.0449,"sentiment":"neutral","sentiment_score":0.056633491069078445}],"sentiment":"neutral","sentiment_score":0.052815500926226375,"num_words":40,"start":1367.03,"end":1386.0449},{"sentences":[{"text":"And you understand what that means?","start":1386.0449,"end":1388.065,"sentiment":"neutral","sentiment_score":0.06048134838541349},{"text":"Yeah.","start":1389.485,"end":1389.985,"sentiment":"neutral","sentiment_score":0.24437153339385984},{"text":"Beautiful.","start":1390.125,"end":1390.625,"sentiment":"positive","sentiment_score":0.4944923222064972},{"text":"Okay.","start":1390.9249,"end":1391.4249,"sentiment":"neutral","sentiment_score":0.17467796802520752},{"text":"The only other thing that I did wanna flag with you is part of a risk protection portfolio is something called trauma insurance, and you don't presently have that.","start":1391.8049,"end":1401.77,"sentiment":"neutral","sentiment_score":-0.01115919823019669}],"sentiment":"neutral","sentiment_score":0.02507403066479846,"num_words":38,"start":1386.0449,"end":1401.77},{"sentences":[{"text":"Has that been discussed with you in the past?","start":1401.91,"end":1404.17,"sentiment":"neutral","sentiment_score":-0.005456485475103061},{"text":"No?","start":1406.71,"end":1407.1901,"sentiment":"neutral","sentiment_score":-0.0700557678937912},{"text":"Okay.","start":1407.1901,"end":1407.6901,"sentiment":"neutral","sentiment_score":-0.010289783589541912},{"text":"So what I'll do is I'll give you a very brief rundown.","start":1407.75,"end":1410.5701,"sentiment":"neutral","sentiment_score":0.029863813892006874},{"text":"Trauma insurance covers when you are diagnosed with a specific condition.","start":1412.3351,"end":1419.155,"sentiment":"neutral","sentiment_score":0.000028897415507923473}],"sentiment":"neutral","sentiment_score":0.006742050515159088,"num_words":34,"start":1401.91,"end":1419.155},{"sentences":[{"text":"So in a trauma policy, it's generally 40 plus different conditions, and they range from different types of cancer to stroke to heart attack, neurological issues, etcetera.","start":1419.2151,"end":1431.58,"sentiment":"neutral","sentiment_score":-0.015297109640582843},{"text":"And what that is is it's a lump sum payment tax free to the individual.","start":1433.32,"end":1439.26,"sentiment":"neutral","sentiment_score":0.04563675709068775},{"text":"And, typically, what we would cover in a how we would work out a recommended level of cover would a an amount to look at out of pocket medical expenses and to generally cover if there's any debt, pay out some debt to take the pressure off the family, and, additionally, a recuperation period.","start":1440.015,"end":1461.91,"sentiment":"neutral","sentiment_score":0.01903011246273915},{"text":"Because, typically, what what we do see is that a trauma claim doesn't necessarily mean it's a terminal situation.","start":1461.91,"end":1470.835,"sentiment":"neutral","sentiment_score":-0.0229969022697524},{"text":"It means that you're getting treatment, and in most cases, you will return to the workforce.","start":1471.215,"end":1476.835,"sentiment":"neutral","sentiment_score":0.024005001585464925}],"sentiment":"neutral","sentiment_score":0.009513697338126998,"num_words":131,"start":1419.2151,"end":1476.835},{"sentences":[{"text":"So it's just designed to take that pressure off the family when you're going through the treatment of a potential health issue.","start":1476.8949,"end":1487.2,"sentiment":"neutral","sentiment_score":-0.020221464420584114},{"text":"The issue well, not the issue.","start":1488.7799,"end":1490.72,"sentiment":"neutral","sentiment_score":-0.10447489346067111},{"text":"The reason why it's tax free is because it's paid from your personal tax personal cash flow, so you cannot fund it from superannuation.","start":1490.7799,"end":1498.335,"sentiment":"neutral","sentiment_score":-0.10282370168715715},{"text":"So, I mean, it I mean, given your age, it it you're probably in the relatively cheaper side of it.","start":1500.715,"end":1508.575,"sentiment":"neutral","sentiment_score":0.010118150990456343},{"text":"However, it's probably important for you to look at as well being a woman.","start":1512.26,"end":1517.24,"sentiment":"neutral","sentiment_score":-0.005675323307514191}],"sentiment":"neutral","sentiment_score":-0.039727696802380474,"num_words":86,"start":1476.8949,"end":1517.24},{"sentences":[{"text":"There are a lot of lot of things that can happen to us in this age bracket.","start":1517.86,"end":1522.5199,"sentiment":"neutral","sentiment_score":-0.12284746196340113},{"text":"And, yeah, I I always feel like it's better to be safe than sorry.","start":1523.0449,"end":1528.345,"sentiment":"neutral","sentiment_score":-0.072934750733631},{"text":"You can have a look at it and make a decision that way.","start":1528.405,"end":1531.865,"sentiment":"neutral","sentiment_score":0.10647993362866916},{"text":"But if it's okay with you, I really would like to have a look at some level of trauma for you.","start":1532.085,"end":1539.43,"sentiment":"neutral","sentiment_score":-0.2348354816259373},{"text":"Yeah.","start":1539.73,"end":1540.23,"sentiment":"neutral","sentiment_score":0.009268894791603088}],"sentiment":"neutral","sentiment_score":-0.10072015827013688,"num_words":66,"start":1517.86,"end":1540.23},{"sentences":[{"text":"Yep.","start":1545.81,"end":1546.31,"sentiment":"neutral","sentiment_score":-0.2223091721534729},{"text":"Yeah.","start":1549.81,"end":1550.31,"sentiment":"neutral","sentiment_score":-0.018252138048410416},{"text":"Yeah.","start":1550.655,"end":1550.895,"sentiment":"neutral","sentiment_score":-0.015836570411920547},{"text":"And a lot of the a lot of the time, the income protection, you've got a sixty day waiting period, which is ninety days essentially from your first payment.","start":1550.895,"end":1560.035,"sentiment":"neutral","sentiment_score":-0.04594709229623449},{"text":"That's three months without an income.","start":1560.415,"end":1562.515,"sentiment":"neutral","sentiment_score":-0.06800100828210513}],"sentiment":"neutral","sentiment_score":-0.05254920018150618,"num_words":38,"start":1545.81,"end":1562.515},{"sentences":[{"text":"But, additionally, unfortunately, just because you're undergoing treatment, it doesn't mean that you're unable to work, and that's the problem with the income protection.","start":1562.94,"end":1578.445,"sentiment":"neutral","sentiment_score":-0.21163099507490793},{"text":"I had a friend who had breast cancer a couple years ago.","start":1578.445,"end":1582.765,"sentiment":"neutral","sentiment_score":-0.17823115115364394},{"text":"So and I saw her.","start":1582.765,"end":1584.9249,"sentiment":"neutral","sentiment_score":-0.05873764604330063},{"text":"Like, her recovery period was about six weeks after her mastectomy, and then she was fine to go back to work while doing other treatments.","start":1584.9249,"end":1593.36,"sentiment":"neutral","sentiment_score":-0.0745161959528923},{"text":"So I kind of it's it's not it's not great.","start":1593.4199,"end":1598.7999,"sentiment":"neutral","sentiment_score":-0.2316044606268406}],"sentiment":"neutral","sentiment_score":-0.15382309777564124,"num_words":76,"start":1562.94,"end":1598.7999},{"sentences":[{"text":"Okay.","start":1600.62,"end":1601.1,"sentiment":"neutral","sentiment_score":-0.11567821353673936},{"text":"So I might if that's okay with you, I'd like to have a look at look at that.","start":1601.1,"end":1604.945,"sentiment":"neutral","sentiment_score":-0.06071006506681442},{"text":"Alright.","start":1606.765,"end":1607.265,"sentiment":"neutral","sentiment_score":0.20699140429496765},{"text":"Fantastic.","start":1607.405,"end":1607.905,"sentiment":"positive","sentiment_score":0.4328381419181824},{"text":"The next document in your pack should be a performance report.","start":1609.165,"end":1613.345,"sentiment":"neutral","sentiment_score":0.18413568355820395}],"sentiment":"neutral","sentiment_score":0.04552695876918733,"num_words":32,"start":1600.62,"end":1613.345},{"sentences":[{"text":"Is it a twelve month one?","start":1615.325,"end":1617.0299,"sentiment":"neutral","sentiment_score":0.014976769840965668},{"text":"Is it go from September 25 to August or August 31?","start":1617.0299,"end":1623.5901,"sentiment":"neutral","sentiment_score":0.017991130917587063},{"text":"Beautiful.","start":1623.59,"end":1624.09,"sentiment":"neutral","sentiment_score":0.20755016803741455},{"text":"Okay.","start":1624.47,"end":1624.97,"sentiment":"neutral","sentiment_score":0.025363020598888397},{"text":"So I'm gonna start with the bad news first.","start":1625.51,"end":1628.49,"sentiment":"neutral","sentiment_score":-0.1538398452103138}],"sentiment":"neutral","sentiment_score":-0.03085294139704534,"num_words":28,"start":1615.325,"end":1628.49},{"sentences":[{"text":"The bad news is you'll see that that fund at the very top and along Australian equities funds.","start":1629.3251,"end":1635.905,"sentiment":"neutral","sentiment_score":-0.16954166856076983},{"text":"It experienced quite a significant negative return in that twelve month period.","start":1636.365,"end":1644.0651,"sentiment":"negative","sentiment_score":-0.39528203507264453},{"text":"The rest of your portfolio performed extremely well.","start":1645.72,"end":1649.42,"sentiment":"neutral","sentiment_score":0.12305053230375051},{"text":"However, given your exposure to that Benelon Australian equities fund where the vast majority of your funds are invested, well, at least, I guess, maybe as a as a quarter of it, it did have an impact in your overall and your return.","start":1650.04,"end":1672.885,"sentiment":"neutral","sentiment_score":0.18070905053511607},{"text":"The Bennelong Fund itself underperformed not due to the Australian market underperforming, but more to the investment manager's mandate.","start":1673.48,"end":1683.18,"sentiment":"neutral","sentiment_score":0.056160942896416315}],"sentiment":"neutral","sentiment_score":0.020268168915063143,"num_words":100,"start":1629.3251,"end":1683.18},{"sentences":[{"text":"So their mandate is to identify a strained company that they believe are undervalued for opportunities of growth.","start":1683.24,"end":1691.885,"sentiment":"neutral","sentiment_score":-0.004245426505804062},{"text":"Unfortunately, the last twelve months, the banks and or the the blue the blue color, not blue color.","start":1692.1849,"end":1700.3,"sentiment":"neutral","sentiment_score":-0.23330631686581504},{"text":"Sorry.","start":1700.3,"end":1700.62,"sentiment":"neutral","sentiment_score":-0.06839204579591751},{"text":"The a word that escaped me.","start":1700.62,"end":1703.52,"sentiment":"neutral","sentiment_score":-0.0322515070438385},{"text":"The top ASX two hundred funds have performed significantly better.","start":1703.58,"end":1708.96,"sentiment":"neutral","sentiment_score":0.14985623359680175}],"sentiment":"neutral","sentiment_score":-0.057344719486416514,"num_words":53,"start":1683.24,"end":1708.96},{"sentences":[{"text":"So, unfortunately, it's just that their mandate has not hit the mark.","start":1709.1,"end":1714.16,"sentiment":"negative","sentiment_score":-0.4187513006230195},{"text":"So our investment committee has reviewed it, and we're no longer comfortable withholding that in the portfolio as they're they are continuing with their mandate.","start":1714.605,"end":1724.545,"sentiment":"neutral","sentiment_score":-0.2715190774202347},{"text":"And what we wanna do is look at opportunities available that can continue to help meet your goals and objectives that may be an alternative for Benelon.","start":1724.765,"end":1734.19,"sentiment":"neutral","sentiment_score":0.10301218306024869},{"text":"So, again, if you're happy for me to do that, I'd like to look into other options.","start":1734.25,"end":1740.0299,"sentiment":"neutral","sentiment_score":0.12420265683356453},{"text":"Yep.","start":1741.37,"end":1741.87,"sentiment":"neutral","sentiment_score":0.13664013147354126}],"sentiment":"neutral","sentiment_score":-0.08272656466721034,"num_words":82,"start":1709.1,"end":1741.87},{"sentences":[{"text":"And with the rest of your beautiful.","start":1742.25,"end":1744.35,"sentiment":"positive","sentiment_score":0.41261689364910126},{"text":"And with the rest of your portfolio, you've got a really good allocation to significant satellite areas.","start":1744.475,"end":1752.635,"sentiment":"positive","sentiment_score":0.40259816015467925},{"text":"So they're more niche niche sectors, I guess, you'd call it.","start":1752.635,"end":1758.43,"sentiment":"neutral","sentiment_score":0.19915565848350525},{"text":"So you've got some global agriculture, some global cyber tech, some battery tech and lithium, and you've also got America, Asia, and Europe with some health global health and just some diversified conservative funds to allow for a bit of a defensive option in your portfolio.","start":1758.43,"end":1785.085,"sentiment":"neutral","sentiment_score":0.16151042153006015},{"text":"So, unfortunately, the last twelve months, your account did only return gross oh, sorry, net of fees, 1.26%, which is well below where we want it.","start":1786.5599,"end":1797.94,"sentiment":"neutral","sentiment_score":-0.27259495854377747}],"sentiment":"neutral","sentiment_score":0.11462812794146136,"num_words":107,"start":1742.25,"end":1797.94},{"sentences":[{"text":"And the next document is another performance report showing six months to the August 31, which does show a lesser loss of Benelon, but a six month return of 5.02.","start":1800.3151,"end":1815.8701,"sentiment":"neutral","sentiment_score":0.0035738362620274227},{"text":"So the the the portfolio itself is recovering, but we're sticking to our conviction in relation to replacing looking at alternatives to replace Benelong just due to the consistent underperformance.","start":1815.8701,"end":1828.4651,"sentiment":"neutral","sentiment_score":0.1360512321194013},{"text":"The next document along is the 2026 Vanguard index chart.","start":1833.005,"end":1837.505,"sentiment":"neutral","sentiment_score":0.05308414548635483},{"text":"Now what I I like to use this for is if on the right hand side of the column, if you look at the top four being US shares, Australian shares, international, and Australian listed properties, they're your gross assets.","start":1838.49,"end":1851.5851,"sentiment":"neutral","sentiment_score":0.06879774639382959},{"text":"So you hold growth assets within your portfolio, and the the next two down Australian bonds and cash are your defensive assets.","start":1851.7251,"end":1861.425,"sentiment":"neutral","sentiment_score":0.06567077186297286}],"sentiment":"neutral","sentiment_score":0.06754742684124997,"num_words":132,"start":1800.3151,"end":1861.425},{"sentences":[{"text":"So your portfolio at the moment is made up of about 87 and a half percent to those top four, your growth assets, and 12.5% to your defensive assets, which are the bottom two.","start":1862.125,"end":1876.05,"sentiment":"neutral","sentiment_score":0.13886081219157753},{"text":"You you have identified as a high growth investor, which we see sitting around a 90 to 10% allocation, so 19% of of your funds in growth and 10% in incentive.","start":1877.47,"end":1891.105,"sentiment":"neutral","sentiment_score":0.15587440157128918},{"text":"A minimum time frame for that investment is always eight years.","start":1893.29,"end":1897.29,"sentiment":"neutral","sentiment_score":0.06408568200739947},{"text":"So given your superannuation isn't accessible for at least twenty four more years, I feel that your high growth risk profile is is sufficient.","start":1897.29,"end":1908.865,"sentiment":"neutral","sentiment_score":0.021414799072469275},{"text":"But the what I need to probably confirm with you is is that is that are you comfortable with that?","start":1909.725,"end":1915.645,"sentiment":"neutral","sentiment_score":-0.08116539996117353}],"sentiment":"neutral","sentiment_score":0.07624136453183988,"num_words":120,"start":1862.125,"end":1915.645},{"sentences":[{"text":"Because with a high growth portfolio, what we do typically expect is one in every five years, you're gonna have a negative return.","start":1915.645,"end":1925.7201,"sentiment":"neutral","sentiment_score":-0.3089417970698813},{"text":"Typically, in a high growth portfolio, we'd see a return of eight to 10%, and that's usually grosser fees.","start":1925.9401,"end":1932.5,"sentiment":"neutral","sentiment_score":-0.19751677230784767},{"text":"That's not net of fees.","start":1932.5,"end":1933.88,"sentiment":"neutral","sentiment_score":-0.200429567694664},{"text":"So it's more so so if you can if you look at the Vanguard chart, for example, and you see those top four and the volatility that it's those those assets do experience as opposed to the more defensive assets listed below, It's really your comfort level as to whether you are prepared to experience that volatility with about 90% of your funds over the long term.","start":1935.3,"end":1959.7,"sentiment":"neutral","sentiment_score":0.09385489292943211},{"text":"So you will see that there's dips, and you will see recoveries.","start":1959.7,"end":1963.6399,"sentiment":"neutral","sentiment_score":0.11420935268203418}],"sentiment":"neutral","sentiment_score":-0.03334791894026455,"num_words":126,"start":1915.645,"end":1963.6399},{"sentences":[{"text":"So it's more about yeah.","start":1964.415,"end":1969.395,"sentiment":"neutral","sentiment_score":0.05444636046886444},{"text":"Yep.","start":1970.3351,"end":1970.8351,"sentiment":"neutral","sentiment_score":0.0950215309858322},{"text":"Yeah.","start":1971.615,"end":1972.115,"sentiment":"neutral","sentiment_score":0.08324888348579407},{"text":"Yep.","start":1972.3351,"end":1972.655,"sentiment":"neutral","sentiment_score":0.07809239625930786},{"text":"So what you'll see along the top, the other thing I like about the Vanguard index chart is along the top, you've got little black events that are noted.","start":1972.655,"end":1982.4,"sentiment":"neutral","sentiment_score":0.18291772760707756}],"sentiment":"neutral","sentiment_score":0.1576542895589326,"num_words":37,"start":1964.415,"end":1982.4},{"sentences":[{"text":"So yes.","start":1982.78,"end":1984.24,"sentiment":"neutral","sentiment_score":0.08821399882435799},{"text":"Yeah.","start":1984.54,"end":1984.86,"sentiment":"neutral","sentiment_score":0.10221845656633376},{"text":"And you'll see how the market's reacted in those events.","start":1984.86,"end":1991.04,"sentiment":"neutral","sentiment_score":0.07205385193228722},{"text":"And, like, the the perfect one is the COVID nineteen outbreak.","start":1991.865,"end":1995.325,"sentiment":"neutral","sentiment_score":0.06944082372567871},{"text":"The whole market essentially lost its mind.","start":1995.465,"end":1999.5651,"sentiment":"neutral","sentiment_score":-0.13308808127684252}],"sentiment":"neutral","sentiment_score":0.02681991824459645,"num_words":31,"start":1982.78,"end":1999.5651},{"sentences":[{"text":"But you will see also that it does recover.","start":2001.385,"end":2004.765,"sentiment":"neutral","sentiment_score":0.06280253041121694},{"text":"So and that's why we always say over an eight year like, for a high growth asset allocation, you want it for a minimum of eight years because it does sometimes some of the assets can take a longer period to recover.","start":2005.35,"end":2019.37,"sentiment":"neutral","sentiment_score":0.05664714665285179},{"text":"But as long as you're comfortable with that, that's okay.","start":2019.675,"end":2025.055,"sentiment":"neutral","sentiment_score":0.2662146970629692},{"text":"So to confirm I mean, I can confirm that with you if you're happy and comfortable with it, or what what we can do is complete a little questionnaire, which gives me an idea of your your risk tolerance to see if you are still comfortable to sit in that high growth bracket.","start":2025.675,"end":2043.72,"sentiment":"neutral","sentiment_score":0.24374805053450027},{"text":"Yeah.","start":2051.635,"end":2052.135,"sentiment":"neutral","sentiment_score":0.2311796993017197}],"sentiment":"neutral","sentiment_score":0.16309892418591873,"num_words":115,"start":2001.385,"end":2052.135},{"sentences":[{"text":"Yeah.","start":2052.515,"end":2053.015,"sentiment":"neutral","sentiment_score":0.21273115277290344},{"text":"Yep.","start":2053.075,"end":2053.555,"sentiment":"neutral","sentiment_score":0.24613618850708008},{"text":"And we we the purpose of that and your reviews is always to make sure that we're staying on top of things.","start":2053.555,"end":2058.435,"sentiment":"neutral","sentiment_score":0.26013845205307007},{"text":"If there's anything that needs changing, we identify it, we discuss it, we get your approval, and we go ahead and conduct that research to get it done and then meet with you.","start":2058.435,"end":2069.1301,"sentiment":"neutral","sentiment_score":0.1832693275628668},{"text":"So I will add that to my list to keep as is that look at options in relation to your portfolio.","start":2070.79,"end":2078.905,"sentiment":"neutral","sentiment_score":0.19375368739877427}],"sentiment":"neutral","sentiment_score":0.20895677604354346,"num_words":78,"start":2052.515,"end":2078.905},{"sentences":[{"text":"The next document along is a certificate of currency, and this is, again, just referring back to your levels of cover.","start":2080.9648,"end":2087.6848,"sentiment":"neutral","sentiment_score":0.08162987710065431},{"text":"So it's from MetLife, and it just explains what your covers are, the annual premiums, and that it is funded through your superannuation funds.","start":2087.6848,"end":2099.14,"sentiment":"neutral","sentiment_score":0.03425740543752909},{"text":"So your fund is impacted by the reduction of the insurance premium.","start":2100.64,"end":2108.705,"sentiment":"neutral","sentiment_score":-0.16698227419207493},{"text":"So that's why we can look at if cash flow allows adding a little bit extra into super to help minimize those that impact.","start":2109.165,"end":2119.63,"sentiment":"neutral","sentiment_score":-0.0037251918887098623},{"text":"Do you have any surplus cash flow that you would consider investing into super?","start":2122.17,"end":2127.965,"sentiment":"neutral","sentiment_score":0.11961177470428604}],"sentiment":"neutral","sentiment_score":0.022292401050952704,"num_words":95,"start":2080.9648,"end":2127.965},{"sentences":[{"text":"Yep.","start":2134.665,"end":2135.165,"sentiment":"neutral","sentiment_score":-0.06544111669063568},{"text":"Yep.","start":2136.745,"end":2137.245,"sentiment":"neutral","sentiment_score":-0.018387114629149437},{"text":"So $50 a fortnight kinda thing?","start":2137.945,"end":2140.205,"sentiment":"neutral","sentiment_score":-0.03137453645467758},{"text":"Yep.","start":2141.5452,"end":2142.0452,"sentiment":"neutral","sentiment_score":0.04977613687515259},{"text":"Okay.","start":2142.185,"end":2142.685,"sentiment":"neutral","sentiment_score":0.0749289020895958}],"sentiment":"neutral","sentiment_score":-0.014737041108310223,"num_words":10,"start":2134.665,"end":2142.685},{"sentences":[{"text":"I can make a note of that and see what we can do there.","start":2142.98,"end":2145.72,"sentiment":"neutral","sentiment_score":0.1137264333665371},{"text":"The other thing I had with your insurance policies is that we've got Tyrone nominated as your beneficiary, but it's a nonbinding beneficiary, which means the trustees basically have discretion.","start":2146.18,"end":2158.725,"sentiment":"neutral","sentiment_score":0.019910272140987218},{"text":"He's your spouse.","start":2159.185,"end":2160.165,"sentiment":"neutral","sentiment_score":0.02538294593493144},{"text":"I mean, there's really no other financial dependent besides Mila, which it wouldn't be paid to.","start":2162.145,"end":2168.46,"sentiment":"neutral","sentiment_score":0.0022278143442235887},{"text":"But what we can do is look at changing that to a nonlapsing binding, which means that instead of having to renew it every three odd years, it won't it won't lapse until and it updating that.","start":2168.6199,"end":2193.915,"sentiment":"neutral","sentiment_score":0.029208926735697565}],"sentiment":"neutral","sentiment_score":0.03382002387894317,"num_words":100,"start":2142.98,"end":2193.915},{"sentences":[{"text":"Beautiful.","start":2194.215,"end":2194.715,"sentiment":"positive","sentiment_score":0.447965145111084},{"text":"Update that.","start":2195.2,"end":2196.02,"sentiment":"neutral","sentiment_score":0.22379984706640244},{"text":"Beautiful.","start":2198.48,"end":2198.98,"sentiment":"positive","sentiment_score":0.49361780285835266},{"text":"And the next document along is our financial services guide.","start":2199.12,"end":2202.5,"sentiment":"neutral","sentiment_score":0.10970790684223175},{"text":"This just explains to you a little bit about who we are.","start":2203.92,"end":2207.3,"sentiment":"neutral","sentiment_score":0.03517279944693049}],"sentiment":"neutral","sentiment_score":0.11185905014952788,"num_words":26,"start":2194.215,"end":2207.3},{"sentences":[{"text":"Met some members of the team, which needs updating.","start":2208.925,"end":2211.4849,"sentiment":"neutral","sentiment_score":-0.03851465549733904},{"text":"I'm not in there just yet.","start":2211.4849,"end":2212.9448,"sentiment":"neutral","sentiment_score":-0.08064642238120238},{"text":"I know.","start":2215.885,"end":2216.545,"sentiment":"neutral","sentiment_score":-0.03216729126870632},{"text":"And then a little bit about who we are, what services we provide, and how we provide the advice fees.","start":2218.2048,"end":2226.23,"sentiment":"neutral","sentiment_score":0.019162850733846427},{"text":"And if you're unhappy, avenues you can pursue to make a complaint.","start":2226.8499,"end":2232.0698,"sentiment":"neutral","sentiment_score":-0.0740792501407365}],"sentiment":"neutral","sentiment_score":-0.028582428639032403,"num_words":49,"start":2208.925,"end":2232.0698},{"sentences":[{"text":"So that's what that document is.","start":2233.25,"end":2235.815,"sentiment":"neutral","sentiment_score":0.14970836167534193},{"text":"And the last two are ones that do require your signature.","start":2236.275,"end":2240.215,"sentiment":"neutral","sentiment_score":0.07509566572579471},{"text":"So is it your tax file number is the next document?","start":2240.435,"end":2244.375,"sentiment":"neutral","sentiment_score":-0.00026356174864552236},{"text":"No.","start":2251.4102,"end":2251.81,"sentiment":"neutral","sentiment_score":-0.0972503125667572},{"text":"You're absolutely fine.","start":2251.81,"end":2253.03,"sentiment":"neutral","sentiment_score":0.06469123810529709}],"sentiment":"neutral","sentiment_score":0.05681958486093208,"num_words":32,"start":2233.25,"end":2253.03},{"sentences":[{"text":"Okay.","start":2257.4902,"end":2257.9702,"sentiment":"neutral","sentiment_score":0.08322970569133759},{"text":"Yep.","start":2257.9702,"end":2258.29,"sentiment":"neutral","sentiment_score":0.14278583228588104},{"text":"Okay.","start":2258.29,"end":2258.53,"sentiment":"neutral","sentiment_score":0.29289400577545166},{"text":"Beautiful.","start":2258.53,"end":2259.03,"sentiment":"positive","sentiment_score":0.5815514922142029},{"text":"So that what that is is that we ask you if you're happy to continue as a client of Oakview Financial to sign this form and return it to us.","start":2259.325,"end":2268.305,"sentiment":"neutral","sentiment_score":0.19077595869700115}],"sentiment":"neutral","sentiment_score":0.20069822931990905,"num_words":34,"start":2257.4902,"end":2268.305},{"sentences":[{"text":"So the fee is based on a percentage, but what we have done as opposed to in the past is we have fixed it.","start":2268.5251,"end":2278.2202,"sentiment":"neutral","sentiment_score":0.04712918672400216},{"text":"So the the fee won't, let's call it, fluctuate with the market.","start":2278.2202,"end":2284.24,"sentiment":"neutral","sentiment_score":0.048604624501119055},{"text":"It's set for twelve months, and the fit and that will give you clarity and guidance on that.","start":2284.54,"end":2291.0852,"sentiment":"neutral","sentiment_score":0.1409235621492068},{"text":"So the fee is $1,597.52 per annum.","start":2291.0852,"end":2295.8252,"sentiment":"neutral","sentiment_score":0.04708379826375416},{"text":"That is deducted from your superannuation fund on a monthly basis.","start":2296.2852,"end":2300.205,"sentiment":"neutral","sentiment_score":0.0690465352751992}],"sentiment":"neutral","sentiment_score":0.0741677579159538,"num_words":72,"start":2268.5251,"end":2300.205},{"sentences":[{"text":"So that works out to be a $133.13 approximately per month.","start":2300.205,"end":2305.96,"sentiment":"neutral","sentiment_score":0.09047424014319073},{"text":"And, again, with your so it covers your services.","start":2308.1,"end":2311.14,"sentiment":"neutral","sentiment_score":0.09222132215897243},{"text":"So if you have any all the advice that we're providing you with, so if you have any concerns, questions, or you think you need to seek some advice, you're not limited to one in your review a year.","start":2311.14,"end":2322.5452,"sentiment":"neutral","sentiment_score":0.11680536669416305},{"text":"Just reach out to us whether it be via email or pick up the phone, and we're here for you.","start":2322.605,"end":2328.845,"sentiment":"neutral","sentiment_score":0.14995019547641278},{"text":"That's what that speaks up.","start":2328.845,"end":2330.3052,"sentiment":"positive","sentiment_score":0.4591991722583771}],"sentiment":"neutral","sentiment_score":0.1389954477725994,"num_words":84,"start":2300.205,"end":2330.3052},{"sentences":[{"text":"So if you're happy with that, I'd ask you to sign it and return it.","start":2333.4402,"end":2337.1401,"sentiment":"neutral","sentiment_score":0.2684009929498037},{"text":"And then the last document is just the basically, your confirmation that you're happy for us to hold your tax file number.","start":2337.4402,"end":2345.52,"sentiment":"neutral","sentiment_score":0.23809671605175192},{"text":"So the reason we do hold it is for superannuation funds in your state in in your state in your circumstance so we can provide ensure that we're able to hold on record that we have your authority to have provided that to hub twenty four to excessively in your super funds.","start":2345.52,"end":2368.29,"sentiment":"neutral","sentiment_score":0.10762437483152518},{"text":"So, again, we'd ask you to sign that if that's okay.","start":2368.59,"end":2371.9702,"sentiment":"neutral","sentiment_score":0.06220270320773125},{"text":"Oh, yeah.","start":2387.1848,"end":2387.88,"sentiment":"positive","sentiment_score":0.4567496329545975}],"sentiment":"neutral","sentiment_score":0.1613562660766583,"num_words":102,"start":2333.4402,"end":2387.88},{"sentences":[{"text":"Nice.","start":2388.44,"end":2388.94,"sentiment":"positive","sentiment_score":0.5642741322517395},{"text":"Hopefully, some warmer weather comes our way.","start":2390.5198,"end":2392.8599,"sentiment":"neutral","sentiment_score":0.3303087225982121},{"text":"I know.","start":2397.5598,"end":2398.2998,"sentiment":"neutral","sentiment_score":-0.1339196190237999},{"text":"Yeah.","start":2408.855,"end":2409.335,"sentiment":"neutral","sentiment_score":-0.17381542921066284},{"text":"It's it's something that we've learned that we can't live without, but it's it's a very, very it's the bane of the my existence someday.","start":2409.335,"end":2417.8599,"sentiment":"neutral","sentiment_score":-0.2508492285013199}],"sentiment":"neutral","sentiment_score":-0.10656806081533432,"num_words":36,"start":2388.44,"end":2417.8599},{"sentences":[{"text":"That's okay.","start":2427.5999,"end":2428.16,"sentiment":"neutral","sentiment_score":-0.0288939094170928},{"text":"If there's any issues, I'll get my colleague reach out, but that should be fine.","start":2428.16,"end":2431.575,"sentiment":"neutral","sentiment_score":-0.021279010207702717},{"text":"No.","start":2431.575,"end":2432.075,"sentiment":"neutral","sentiment_score":-0.034740980714559555},{"text":"That's okay.","start":2432.695,"end":2433.355,"sentiment":"neutral","sentiment_score":-0.0024977303110063076},{"text":"Do you after all that information download, do you have any questions for me?","start":2434.295,"end":2437.995,"sentiment":"neutral","sentiment_score":0.012700956780463457}],"sentiment":"neutral","sentiment_score":-0.007026353481170886,"num_words":34,"start":2427.5999,"end":2437.995},{"sentences":[{"text":"Yep.","start":2448.0,"end":2448.24,"sentiment":"neutral","sentiment_score":0.13386031985282898},{"text":"That's good.","start":2448.24,"end":2448.88,"sentiment":"neutral","sentiment_score":0.12885722145438194},{"text":"That's good.","start":2448.88,"end":2449.7,"sentiment":"neutral","sentiment_score":0.19988097995519638},{"text":"Oh, that is good.","start":2450.88,"end":2451.92,"sentiment":"positive","sentiment_score":0.33466868102550507},{"text":"Good.","start":2451.92,"end":2452.3198,"sentiment":"positive","sentiment_score":0.3443531394004822}],"sentiment":"neutral","sentiment_score":0.2474364586174488,"num_words":10,"start":2448.0,"end":2452.3198},{"sentences":[{"text":"That's the with you know, our purpose is always to make sure that our clients sleep well at night.","start":2452.3198,"end":2458.1948,"sentiment":"neutral","sentiment_score":0.3153541197902278},{"text":"So if we're helping assist with that in one area of their lives and taking some pressure away, then we're doing our job.","start":2458.1948,"end":2464.135,"sentiment":"neutral","sentiment_score":0.2569463797237562},{"text":"Thank you.","start":2467.315,"end":2467.875,"sentiment":"positive","sentiment_score":0.4537208527326584},{"text":"Thank you.","start":2467.875,"end":2468.6948,"sentiment":"neutral","sentiment_score":0.3043822795152664},{"text":"And just last do you are you happy with your annual for real reviews to be annual, or would you like them more frequent?","start":2469.2349,"end":2476.49,"sentiment":"neutral","sentiment_score":0.1282094738756617}],"sentiment":"neutral","sentiment_score":0.23563898067389216,"num_words":70,"start":2452.3198,"end":2476.49},{"sentences":[{"text":"Yep.","start":2483.03,"end":2483.53,"sentiment":"neutral","sentiment_score":0.07485346496105194},{"text":"Okay.","start":2483.99,"end":2484.47,"sentiment":"neutral","sentiment_score":0.0906285047531128},{"text":"I can make a note of that.","start":2484.47,"end":2488.435,"sentiment":"neutral","sentiment_score":0.09182088822126389},{"text":"Alright.","start":2488.435,"end":2488.915,"sentiment":"neutral","sentiment_score":0.05424356460571289},{"text":"Beautiful.","start":2488.915,"end":2489.415,"sentiment":"neutral","sentiment_score":0.24208828806877136}],"sentiment":"neutral","sentiment_score":0.10041454908522693,"num_words":11,"start":2483.03,"end":2489.415},{"sentences":[{"text":"Too easy.","start":2492.7551,"end":2493.495,"sentiment":"neutral","sentiment_score":0.13430576771497726},{"text":"What I'll also do is I am gonna conduct some research on the areas we've talked about today.","start":2493.635,"end":2502.24,"sentiment":"neutral","sentiment_score":0.08077838520208995},{"text":"Typically, that would take about two to three weeks.","start":2503.66,"end":2506.08,"sentiment":"neutral","sentiment_score":-0.06597097590565681},{"text":"I'm gonna reach back out to you within that time frame to set up another time just to go through the changes that I've looked at.","start":2506.46,"end":2516.315,"sentiment":"neutral","sentiment_score":0.06017201193250143},{"text":"So you can expect to hear from me again soon.","start":2516.4548,"end":2519.355,"sentiment":"neutral","sentiment_score":0.07248620130121708}],"sentiment":"neutral","sentiment_score":0.05258796937190569,"num_words":65,"start":2492.7551,"end":2519.355},{"sentences":[{"text":"But, yeah, I just thought I'd flag that with you before we go any further.","start":2520.4548,"end":2524.6199,"sentiment":"neutral","sentiment_score":0.0040135707706213},{"text":"Alright.","start":2527.0,"end":2527.48,"sentiment":"positive","sentiment_score":0.6209702491760254},{"text":"Lovely.","start":2527.48,"end":2527.88,"sentiment":"positive","sentiment_score":0.763832151889801},{"text":"Well, thanks so much for your time today, Amy.","start":2527.88,"end":2529.64,"sentiment":"positive","sentiment_score":0.8083821733792623},{"text":"I really appreciate it.","start":2529.64,"end":2531.02,"sentiment":"positive","sentiment_score":0.8348015397787094}],"sentiment":"positive","sentiment_score":0.40198838940511145,"num_words":30,"start":2520.4548,"end":2531.02},{"sentences":[{"text":"You too.","start":2533.88,"end":2534.6199,"sentiment":"positive","sentiment_score":0.5318548083305359},{"text":"You too.","start":2534.76,"end":2535.32,"sentiment":"positive","sentiment_score":0.4470965713262558},{"text":"Enjoy.","start":2535.32,"end":2535.82,"sentiment":"positive","sentiment_score":0.6645605564117432},{"text":"You too.","start":2538.0928,"end":2538.5728,"sentiment":"neutral","sentiment_score":0.3081204444169998},{"text":"Bye bye.","start":2538.5728,"end":2539.2927,"sentiment":"neutral","sentiment_score":0.20471929013729095}],"sentiment":"positive","sentiment_score":0.4053491983148787,"num_words":9,"start":2533.88,"end":2539.2927},{"sentences":[{"text":"Bye.","start":2539.2927,"end":2539.7927,"sentiment":"neutral","sentiment_score":-0.11909165978431702}],"sentiment":"neutral","sentiment_score":-0.11909165978431702,"num_words":1,"start":2539.2927,"end":2539.7927}]}}]},{"alternatives":[{"transcript":"Hello. Amy speaking. Good. How are you going? Yeah. No worries. Yep. It's Amy Leaflux. Date of birth is the 10/13/1989. And my address is Unit 4898 Nicholson Street in Fitzroy North. Yeah. All good. I just need to spot my coworker to tell them I'm popping up, but I don't know where they are so they can just deal with it, I think. No. That's okay. Let me also get out of the wind. I work in a garden, so I just gotta find somewhere that's not so windy, a little bit more quiet, but that's all good. How's your date been otherwise? Yeah. Not too bad. Early start. It was a beautiful morning. Now it's really windy, so we'll see how the day pans out. Yeah. But then I just gotta go get my daughter straight away. So it's like, meh, whatever. Clocking for the second shift. Yeah. Exactly. Alright. I think I'm in a quieter spot now. Sorry about that. Thank you. Yep. Yep. Sure. Yes. Mhmm. Her name's Mila. S s m I l a. The 04/23/2022. I know. It's so scary. I'm not ready to I'm like, no. My baby. Just Tyrone, bravo. Yes. Yeah. It is I've got my brain. Okay. It's 0420 oh, I can't wait. Hold on. Let me look it up because I get the last three swapped around all the time. One second. Sorry. Oops. Hold on a second. Oh, my phone. Hold on. Where is he? It's 0420536145. That's it. And that's That has actually changed. So I'm with Citywide Service Solutions now. Yep. Altogether, like, eight years, but with citywide, when did they take over? Probably two years. Yeah. I'm doing full time in four days. Yeah. Yeah. Yeah. That sounds about right. Yes. Yeah. No. It's all standard. Yeah. No. But I should. No. We don't. Mhmm. It's closer to 6,000 now. Yeah. It's just coming out of my pay each week kind of thing, so kind of ignoring it. We don't have that anymore. That is significantly lower. That's about 5,000 at the moment. No. Yep. I did break my foot at Christmas time, but that's better now, and it's all fine. It was not great. I just stepped off a gutter wrong, you know, one of those ones and went, oh, no. Bring a chunky sandal. Never again. I don't. No. No. Mhmm. Yep. Yep. Yeah. So we probably will be moving in January because I think my husband's got a bit of a Sophie's Choice two jobs to choose from. So but the current timeline is moving in January. Probably the Sunshine Coast, but I don't think we'll be able to buy straight away. Just yeah. Mhmm. Couple of years from when we get up there, probably two to five. Yep. Yeah. Mhmm. Yeah. I think so. Just for a little a little something for her. Yeah. Just a, like, a little nest egg for her. Yeah. Yeah. I just I because I didn't I haven't had any money from my parents, so just knowing that that could be really helpful if that could happen for her in the future, just considering, you know, knowing what it's like to be like, oh, shit. Got I got a bill. Yeah. Yeah. So just like a little yeah. Probably, like, 25. I feel like it's smart. Yeah. I haven't really thought that far ahead. It's sort of just like anything to help kinda thing, but I haven't got a, like, a number amount on it. Yeah. I think probably, like, $50 a fortnight to begin with just to keep it, like you know, that adds up quite quickly if you if it just disappears without you seeing it anyway. Yeah. Yeah. Yeah. I guess my parents both just retired. They're 65. So I guess that would be, like, you know, late ish but reasonable, I think. Just imagining working when you're 70 years old seems a bit grim, but the way of the world's a little bit at the moment, isn't it? Yeah. I don't know. It's so hard to imagine because of all the inflation and things at the moment. But, ideally, like, if everything's paid off and things like a thousand dollars a fortnight, Sorry. A thousand dollars a week for like, I'm thinking about me and my husband as well. It's like yeah. I think so. Yeah. Yeah. Yeah. For sure. Yep. Yep. Fine in terms of, like, I get emails and information from them in that way. But every single time I go to log in, I have to do all the password changing, email checking, verification kind of stuff. It drives me crazy. So that puts me off from checking it more often, which is not great, but, like, it's just like, you know, when you got ten minutes to do something and it doesn't work straight away, I'm like, oh my god. So yeah. Yeah. I know that's such a, like, lazy computer person's thing. I'm just like, oh god. I can't be bothered. I toss the phone across the room. Okay. Good. Mhmm. Yep. Potentially, it's sort of, you know, when you're in the routine of just getting up, going to work kind of thing, you don't really think about it. Because it seems to just be fine at the moment, but it might be worth having a look at kind of thing, just reviewing it just to make sure that I actually do know what's included or whatever. Yeah. Yeah. Yeah. Well, I think we've we've been discussing getting a second car because right now we're in Melbourne, and that's fine because there's public transport galore. But when we move, we'll need a second car. So that's something that we're got in the back of our minds as well. Yeah. I think so. Probably my yeah. My husband and I would do that together, not just as a single person. Yeah. Mhmm. Yeah. Okay. No. I think that's good. Unless there's somebody who can just with moving costs and interstate moving. I don't know if that is something that somebody can advise me on because it's sort of in my mind as well that we're gonna have to need to, I don't know, move and find somewhere. I don't know where to start, basically. I don't know if that's mhmm. Oh, yeah. That's true. Yep. Yeah. Okay. Yeah. Yeah. Cool. Yeah. That's a good tip. I'm just, like, spiraling around in my brain. I'm like, wow. Yeah. Cool. Good tip. Thank you. Yeah. Kind of. I'm just I've only got my phone today, so I can scramble around there. Mhmm. Yep. Yep. Yep. Alright. I will just pop you on speaker, and I'll sift through and find out school. Thank you. Alright. Cool. Got it. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yeah. Yes. Yeah. Yes. I do. Yep. I don't really know. I think it would probably be fine because, yeah, he's the he's the money maker in in our pair. So I think that would be fine. Yeah. About 160 k a year, and he's probably getting a pay rise with a new job. So yeah. I mean, yes. But yeah. I think that's probably alright. Yeah. Yep. Mhmm. Okay. Yeah. I think I'm happy to leave it for now. Yeah. Yep. Yeah. Yes. Yep. Mhmm. Yep. I don't think so. Yep. Yeah. Mhmm. Yeah. Mhmm. Yeah. Whatever it is. Yeah. Yeah. Okay. Yes. Yeah. Yes. Yeah. Yeah. Sure. That actually sounds good because we have a friend who was diagnosed with leukemia, and he had to stop working for ages. And it was really rough on him, and he didn't have any of that sort of stuff. So Yes. Yeah. Yeah. Yeah. Yeah. No. Yeah. Sure. Mhmm. Yep. Yes. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yes. For sure. Yep. That's fine. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Mhmm. Yep. Mhmm. Yep. Yes. Yep. Yes. Mhmm. Yeah. Yes. Mhmm. Yes. Yeah. Yeah. It's sort of like a just it just kinda goes on the trend kind of, but it's still growing. Yeah. Ah, yes. Things would have happened. Crazy stuff. Yeah. Yeah. Yeah. Yes. Yes. I think I am. I feel like it's all, you know, ebbs and flows of everything. It seems to be fine in my eyes. Yeah. Yeah. Yeah. Yep. Yep. Yep. Mhmm. Yep. I wouldn't say it's a huge surplus, but, yeah, like, similar to what I said before, like, $50 disappears so quickly on nothing. So, like, you know yeah. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Alright. Yeah. That sounds good. Yeah. Right. Yep. Yep. Cool. Thank you. Yep. Mhmm. Read. Yes. Cool. Yep. I think it's wait a second. Oh my god. My phone's doing something. Sorry. What does it say? Consent to new ongoing fee arrangement? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Perfect. Cool. Thank you. Yep. Yep. Yeah. Okay. No worries. Sorry. Just trying to use the phone. It's so small. There we go. Oh, happy first day of spring. Lovely. There we go. Oh my god. I can't wait. I'm so bored of the cold. Oh, I just put the wrong date in there. Hold on. Let me just oh, man. Computers. Technology absolutely smokes me every time. Sorry. Wow. So crazy. Okay. Well, I think alright. I signed it, but I think I put August instead of September, which is annoying. Okay. Sorry about that. No. I think you guys are always really detailed in your info. Makes me actually think about my life in a good way and feel less scared about it, which is cool. Yeah. Cool. We appreciate it. Maybe just with all the changes that are coming up with us. Maybe every six months is probably good. Yeah. I think that'll be good. And then I'll probably remember things better from the previous one as well. Mhmm. Yep. Yep. Yeah. Yeah. Sure. Yeah. Perfect. Easy. Thank you. Thank you very much. I hope you have a good day. Alright. Awesome. Take care. 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Amy speaking. Good. How are you going? Yeah.\n\nNo worries. Yep. It's Amy Leaflux. Date of birth is the 10/13/1989. And my address is Unit 4898 Nicholson Street in Fitzroy North.\n\nYeah. All good. I just need to spot my coworker to tell them I'm popping up, but I don't know where they are so they can just deal with it, I think. No. That's okay.\n\nLet me also get out of the wind. I work in a garden, so I just gotta find somewhere that's not so windy, a little bit more quiet, but that's all good. How's your date been otherwise? Yeah. Not too bad.\n\nEarly start. It was a beautiful morning. Now it's really windy, so we'll see how the day pans out. Yeah. But then I just gotta go get my daughter straight away.\n\nSo it's like, meh, whatever. Clocking for the second shift. Yeah. Exactly. Alright.\n\nI think I'm in a quieter spot now. Sorry about that. Thank you. Yep. Yep.\n\nSure. Yes. Mhmm. Her name's Mila. S s m I l a.\n\nThe 04/23/2022. I know. It's so scary. I'm not ready to I'm like, no. My baby.\n\nJust Tyrone, bravo. Yes. Yeah. It is I've got my brain. Okay.\n\nIt's 0420 oh, I can't wait. Hold on. Let me look it up because I get the last three swapped around all the time. One second. Sorry.\n\nOops. Hold on a second. Oh, my phone. Hold on. Where is he?\n\nIt's 0420536145. That's it. And that's That has actually changed. So I'm with Citywide Service Solutions now. Yep.\n\nAltogether, like, eight years, but with citywide, when did they take over? Probably two years. Yeah. I'm doing full time in four days. Yeah.\n\nYeah. Yeah. That sounds about right. Yes. Yeah.\n\nNo. It's all standard. Yeah. No. But I should.\n\nNo. We don't. Mhmm. It's closer to 6,000 now. Yeah.\n\nIt's just coming out of my pay each week kind of thing, so kind of ignoring it. We don't have that anymore. That is significantly lower. That's about 5,000 at the moment. No.\n\nYep. I did break my foot at Christmas time, but that's better now, and it's all fine. It was not great. I just stepped off a gutter wrong, you know, one of those ones and went, oh, no. Bring a chunky sandal.\n\nNever again. I don't. No. No. Mhmm.\n\nYep. Yep. Yeah. So we probably will be moving in January because I think my husband's got a bit of a Sophie's Choice two jobs to choose from. So but the current timeline is moving in January.\n\nProbably the Sunshine Coast, but I don't think we'll be able to buy straight away. Just yeah. Mhmm. Couple of years from when we get up there, probably two to five. Yep.\n\nYeah. Mhmm. Yeah. I think so. Just for a little a little something for her.\n\nYeah. Just a, like, a little nest egg for her. Yeah. Yeah. I just I because I didn't I haven't had any money from my parents, so just knowing that that could be really helpful if that could happen for her in the future, just considering, you know, knowing what it's like to be like, oh, shit.\n\nGot I got a bill. Yeah. Yeah. So just like a little yeah. Probably, like, 25.\n\nI feel like it's smart. Yeah. I haven't really thought that far ahead. It's sort of just like anything to help kinda thing, but I haven't got a, like, a number amount on it. Yeah.\n\nI think probably, like, $50 a fortnight to begin with just to keep it, like you know, that adds up quite quickly if you if it just disappears without you seeing it anyway. Yeah. Yeah. Yeah. I guess my parents both just retired.\n\nThey're 65. So I guess that would be, like, you know, late ish but reasonable, I think. Just imagining working when you're 70 years old seems a bit grim, but the way of the world's a little bit at the moment, isn't it? Yeah. I don't know.\n\nIt's so hard to imagine because of all the inflation and things at the moment. But, ideally, like, if everything's paid off and things like a thousand dollars a fortnight, Sorry. A thousand dollars a week for like, I'm thinking about me and my husband as well. It's like yeah. I think so.\n\nYeah. Yeah. Yeah. For sure. Yep.\n\nYep. Fine in terms of, like, I get emails and information from them in that way. But every single time I go to log in, I have to do all the password changing, email checking, verification kind of stuff. It drives me crazy. So that puts me off from checking it more often, which is not great, but, like, it's just like, you know, when you got ten minutes to do something and it doesn't work straight away, I'm like, oh my god.\n\nSo yeah. Yeah. I know that's such a, like, lazy computer person's thing. I'm just like, oh god. I can't be bothered.\n\nI toss the phone across the room. Okay. Good. Mhmm. Yep.\n\nPotentially, it's sort of, you know, when you're in the routine of just getting up, going to work kind of thing, you don't really think about it. Because it seems to just be fine at the moment, but it might be worth having a look at kind of thing, just reviewing it just to make sure that I actually do know what's included or whatever. Yeah. Yeah. Yeah.\n\nWell, I think we've we've been discussing getting a second car because right now we're in Melbourne, and that's fine because there's public transport galore. But when we move, we'll need a second car. So that's something that we're got in the back of our minds as well. Yeah. I think so.\n\nProbably my yeah. My husband and I would do that together, not just as a single person. Yeah. Mhmm. Yeah.\n\nOkay. No. I think that's good. Unless there's somebody who can just with moving costs and interstate moving. I don't know if that is something that somebody can advise me on because it's sort of in my mind as well that we're gonna have to need to, I don't know, move and find somewhere.\n\nI don't know where to start, basically. I don't know if that's mhmm. Oh, yeah. That's true. Yep.\n\nYeah. Okay. Yeah. Yeah. Cool.\n\nYeah. That's a good tip. I'm just, like, spiraling around in my brain. I'm like, wow. Yeah.\n\nCool. Good tip. Thank you. Yeah. Kind of.\n\nI'm just I've only got my phone today, so I can scramble around there. Mhmm. Yep. Yep. Yep.\n\nAlright. I will just pop you on speaker, and I'll sift through and find out school. Thank you. Alright. Cool.\n\nGot it. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Mhmm.\n\nYeah. Yes. Yeah. Yes. I do.\n\nYep. I don't really know. I think it would probably be fine because, yeah, he's the he's the money maker in in our pair. So I think that would be fine. Yeah.\n\nAbout 160 k a year, and he's probably getting a pay rise with a new job. So yeah. I mean, yes. But yeah. I think that's probably alright.\n\nYeah. Yep. Mhmm. Okay. Yeah.\n\nI think I'm happy to leave it for now. Yeah. Yep. Yeah. Yes.\n\nYep. Mhmm. Yep. I don't think so. Yep.\n\nYeah. Mhmm. Yeah. Mhmm. Yeah.\n\nWhatever it is. Yeah. Yeah. Okay. Yes.\n\nYeah. Yes. Yeah. Yeah. Sure.\n\nThat actually sounds good because we have a friend who was diagnosed with leukemia, and he had to stop working for ages. And it was really rough on him, and he didn't have any of that sort of stuff. So Yes. Yeah. Yeah.\n\nYeah. Yeah. No. Yeah. Sure.\n\nMhmm. Yep. Yes. Yep. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYes. For sure. Yep. That's fine. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYeah. Mhmm. Yep. Mhmm. Yep.\n\nYes. Yep. Yes. Mhmm. Yeah.\n\nYes. Mhmm. Yes. Yeah. Yeah.\n\nIt's sort of like a just it just kinda goes on the trend kind of, but it's still growing. Yeah. Ah, yes. Things would have happened. Crazy stuff.\n\nYeah. Yeah. Yeah. Yes. Yes.\n\nI think I am. I feel like it's all, you know, ebbs and flows of everything. It seems to be fine in my eyes. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nYep. I wouldn't say it's a huge surplus, but, yeah, like, similar to what I said before, like, $50 disappears so quickly on nothing. So, like, you know yeah. Yeah. Yeah.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nAlright. Yeah. That sounds good. Yeah. Right.\n\nYep. Yep. Cool. Thank you. Yep.\n\nMhmm. Read. Yes. Cool. Yep.\n\nI think it's wait a second. Oh my god. My phone's doing something. Sorry. What does it say?\n\nConsent to new ongoing fee arrangement? Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Perfect.\n\nCool. Thank you. Yep. Yep. Yeah.\n\nOkay. No worries. Sorry. Just trying to use the phone. It's so small.\n\nThere we go. Oh, happy first day of spring. Lovely. There we go. Oh my god.\n\nI can't wait. I'm so bored of the cold. Oh, I just put the wrong date in there. Hold on. Let me just oh, man.\n\nComputers. Technology absolutely smokes me every time. Sorry. Wow. So crazy.\n\nOkay. Well, I think alright. I signed it, but I think I put August instead of September, which is annoying. Okay. Sorry about that.\n\nNo. I think you guys are always really detailed in your info. Makes me actually think about my life in a good way and feel less scared about it, which is cool. Yeah. Cool.\n\nWe appreciate it. Maybe just with all the changes that are coming up with us. Maybe every six months is probably good. Yeah. I think that'll be good.\n\nAnd then I'll probably remember things better from the previous one as well. Mhmm. Yep. Yep. Yeah.\n\nYeah. Sure. Yeah. Perfect. Easy.\n\nThank you. Thank you very much. I hope you have a good day. Alright. Awesome.\n\nTake care. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.28,"sentiment":"neutral","sentiment_score":0.031131045892834663},{"text":"Amy speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.028827001340687275},{"text":"Good.","start":7.44,"end":7.7599998,"sentiment":"positive","sentiment_score":0.48315122723579407},{"text":"How are you going?","start":7.7599998,"end":8.66,"sentiment":"positive","sentiment_score":0.3544563576579094},{"text":"Yeah.","start":17.974998,"end":18.295,"sentiment":"neutral","sentiment_score":0.04683337360620499}],"sentiment":"neutral","sentiment_score":0.22628834222753844,"num_words":9,"start":0.96,"end":18.295},{"sentences":[{"text":"No worries.","start":18.295,"end":19.035,"sentiment":"neutral","sentiment_score":0.14317815750837326},{"text":"Yep.","start":29.050001,"end":29.37,"sentiment":"neutral","sentiment_score":0.04498562216758728},{"text":"It's Amy Leaflux.","start":29.37,"end":30.83,"sentiment":"neutral","sentiment_score":0.03800486586987972},{"text":"Date of birth is the 10/13/1989.","start":31.130001,"end":34.27,"sentiment":"neutral","sentiment_score":0.04392391381164392},{"text":"And my address is Unit 4898 Nicholson Street in Fitzroy North.","start":35.05,"end":39.39,"sentiment":"neutral","sentiment_score":0.06727029112252322}],"sentiment":"neutral","sentiment_score":0.06299448782659095,"num_words":23,"start":18.295,"end":39.39},{"sentences":[{"text":"Yeah.","start":46.745,"end":47.145,"sentiment":"neutral","sentiment_score":0.23699194192886353},{"text":"All good.","start":47.145,"end":47.545,"sentiment":"neutral","sentiment_score":0.2970049977302551},{"text":"I just need to spot my coworker to tell them I'm popping up, but I don't know where they are so they can just deal with it, I think.","start":47.545,"end":53.76,"sentiment":"neutral","sentiment_score":-0.05765885866150774},{"text":"No.","start":57.679996,"end":57.839996,"sentiment":"neutral","sentiment_score":-0.06850546598434448},{"text":"That's okay.","start":57.839996,"end":58.32,"sentiment":"neutral","sentiment_score":-0.0239836061373353}],"sentiment":"neutral","sentiment_score":-0.027359361201524733,"num_words":35,"start":46.745,"end":58.32},{"sentences":[{"text":"Let me also get out of the wind.","start":58.32,"end":59.519997,"sentiment":"neutral","sentiment_score":0.005012508016079664},{"text":"I work in a garden, so I just gotta find somewhere that's not so windy, a little bit more quiet, but that's all good.","start":59.519997,"end":66.1,"sentiment":"neutral","sentiment_score":0.013921419071266426},{"text":"How's your date been otherwise?","start":69.155,"end":70.534996,"sentiment":"neutral","sentiment_score":0.03683974631130695},{"text":"Yeah.","start":73.314995,"end":73.555,"sentiment":"neutral","sentiment_score":0.06870134174823761},{"text":"Not too bad.","start":73.555,"end":74.195,"sentiment":"neutral","sentiment_score":0.10728301232059796}],"sentiment":"neutral","sentiment_score":0.023145444685502385,"num_words":41,"start":58.32,"end":74.195},{"sentences":[{"text":"Early start.","start":74.195,"end":74.91499,"sentiment":"neutral","sentiment_score":0.16438191011548042},{"text":"It was a beautiful morning.","start":74.91499,"end":76.034996,"sentiment":"positive","sentiment_score":0.3503327429294586},{"text":"Now it's really windy, so we'll see how the day pans out.","start":76.034996,"end":79.41499,"sentiment":"neutral","sentiment_score":0.09199676755815744},{"text":"Yeah.","start":82.69,"end":83.090004,"sentiment":"neutral","sentiment_score":-0.019774027168750763},{"text":"But then I just gotta go get my daughter straight away.","start":83.090004,"end":85.33,"sentiment":"neutral","sentiment_score":-0.11459658125584776}],"sentiment":"neutral","sentiment_score":0.06142104272880862,"num_words":31,"start":74.195,"end":85.33},{"sentences":[{"text":"So it's like, meh, whatever.","start":85.33,"end":87.19,"sentiment":"neutral","sentiment_score":-0.040920328348875046},{"text":"Clocking for the second shift.","start":88.130005,"end":89.65,"sentiment":"neutral","sentiment_score":-0.04236605316400528},{"text":"Yeah.","start":89.65,"end":89.97,"sentiment":"neutral","sentiment_score":0.008997385390102863},{"text":"Exactly.","start":89.97,"end":90.47,"sentiment":"neutral","sentiment_score":0.023356681689620015},{"text":"Alright.","start":91.57,"end":92.07,"sentiment":"neutral","sentiment_score":0.040471091866493225}],"sentiment":"neutral","sentiment_score":-0.02643128835524504,"num_words":13,"start":85.33,"end":92.07},{"sentences":[{"text":"I think I'm in a quieter spot now.","start":92.130005,"end":94.71,"sentiment":"neutral","sentiment_score":-0.0009120613685809076},{"text":"Sorry about that.","start":95.615,"end":96.415,"sentiment":"neutral","sentiment_score":0.26383225123087567},{"text":"Thank you.","start":96.415,"end":97.155,"sentiment":"positive","sentiment_score":0.5084447860717773},{"text":"Yep.","start":106.975,"end":107.37,"sentiment":"neutral","sentiment_score":0.009953320026397703},{"text":"Yep.","start":109.93,"end":110.170006,"sentiment":"neutral","sentiment_score":0.11638236045837402}],"sentiment":"neutral","sentiment_score":0.12849503435815374,"num_words":15,"start":92.130005,"end":110.170006},{"sentences":[{"text":"Sure.","start":110.170006,"end":110.670006,"sentiment":"neutral","sentiment_score":0.1414814591407776},{"text":"Yes.","start":115.05,"end":115.55,"sentiment":"neutral","sentiment_score":0.06871132552623749},{"text":"Mhmm.","start":125.215004,"end":125.715004,"sentiment":"neutral","sentiment_score":0.01006951741874218},{"text":"Her name's Mila.","start":126.65501,"end":127.715004,"sentiment":"neutral","sentiment_score":0.007940765470266342},{"text":"S s m I l a.","start":129.615,"end":131.55501,"sentiment":"neutral","sentiment_score":0.00662098949154218}],"sentiment":"neutral","sentiment_score":0.023650877953817446,"num_words":12,"start":110.170006,"end":131.55501},{"sentences":[{"text":"The 04/23/2022.","start":137.04,"end":140.26,"sentiment":"neutral","sentiment_score":0.011536294361576438},{"text":"I know.","start":146.0,"end":146.48,"sentiment":"neutral","sentiment_score":-0.07928180694580078},{"text":"It's so scary.","start":146.48,"end":147.38,"sentiment":"negative","sentiment_score":-0.3634961247444153},{"text":"I'm not ready to I'm like, no.","start":148.0,"end":149.59999,"sentiment":"neutral","sentiment_score":-0.2681421084063394},{"text":"My baby.","start":149.59999,"end":150.34,"sentiment":"neutral","sentiment_score":-0.27386901527643204}],"sentiment":"neutral","sentiment_score":-0.2281695117999334,"num_words":16,"start":137.04,"end":150.34},{"sentences":[{"text":"Just Tyrone, bravo.","start":160.61499,"end":162.075,"sentiment":"neutral","sentiment_score":-0.009904791601002216},{"text":"Yes.","start":162.69499,"end":162.87,"sentiment":"neutral","sentiment_score":0.08113749325275421},{"text":"Yeah.","start":170.39,"end":170.89,"sentiment":"neutral","sentiment_score":-0.023870181292295456},{"text":"It is I've got my brain.","start":173.51,"end":176.06999,"sentiment":"neutral","sentiment_score":-0.11894205957651138},{"text":"Okay.","start":176.06999,"end":176.39,"sentiment":"neutral","sentiment_score":0.0013909097760915756}],"sentiment":"neutral","sentiment_score":-0.057059042543793716,"num_words":12,"start":160.61499,"end":176.39},{"sentences":[{"text":"It's 0420 oh, I can't wait.","start":176.39,"end":181.325,"sentiment":"neutral","sentiment_score":-0.018570942610191803},{"text":"Hold on.","start":181.325,"end":181.645,"sentiment":"neutral","sentiment_score":-0.02135828137397766},{"text":"Let me look it up because I get the last three swapped around all the time.","start":181.645,"end":184.605,"sentiment":"neutral","sentiment_score":-0.039514671079814434},{"text":"One second.","start":184.605,"end":185.165,"sentiment":"neutral","sentiment_score":-0.022175909020006657},{"text":"Sorry.","start":185.165,"end":185.665,"sentiment":"neutral","sentiment_score":-0.059579767286777496}],"sentiment":"neutral","sentiment_score":-0.03297439040788622,"num_words":27,"start":176.39,"end":185.665},{"sentences":[{"text":"Oops.","start":190.525,"end":191.025,"sentiment":"neutral","sentiment_score":-0.030325472354888916},{"text":"Hold on a second.","start":191.12,"end":192.01999,"sentiment":"neutral","sentiment_score":-0.014748963061720133},{"text":"Oh, my phone.","start":192.31999,"end":193.21999,"sentiment":"neutral","sentiment_score":-0.003022155569245418},{"text":"Hold on.","start":193.36,"end":193.84,"sentiment":"neutral","sentiment_score":-0.004499554866924882},{"text":"Where is he?","start":193.84,"end":194.73999,"sentiment":"neutral","sentiment_score":-0.002912163850851357}],"sentiment":"neutral","sentiment_score":-0.00893256866122381,"num_words":13,"start":190.525,"end":194.73999},{"sentences":[{"text":"It's 0420536145.","start":197.92,"end":201.93999,"sentiment":"neutral","sentiment_score":0.005825763917528093},{"text":"That's it.","start":204.85501,"end":205.595,"sentiment":"neutral","sentiment_score":0.12917780876159668},{"text":"And that's That has actually changed.","start":211.735,"end":222.22,"sentiment":"neutral","sentiment_score":0.0031619922568400702},{"text":"So I'm with Citywide Service Solutions now.","start":222.22,"end":226.4,"sentiment":"neutral","sentiment_score":0.022306720593145916},{"text":"Yep.","start":228.38,"end":228.88,"sentiment":"neutral","sentiment_score":0.02601248398423195}],"sentiment":"neutral","sentiment_score":0.026174368168641295,"num_words":18,"start":197.92,"end":228.88},{"sentences":[{"text":"Altogether, like, eight years, but with citywide, when did they take over?","start":238.865,"end":242.225,"sentiment":"neutral","sentiment_score":-0.0026848194150564573},{"text":"Probably two years.","start":242.225,"end":243.44499,"sentiment":"neutral","sentiment_score":-0.003027969039976597},{"text":"Yeah.","start":245.025,"end":245.43,"sentiment":"neutral","sentiment_score":0.06331565976142883},{"text":"I'm doing full time in four days.","start":251.43,"end":253.84999,"sentiment":"neutral","sentiment_score":0.03457529363887651},{"text":"Yeah.","start":255.75,"end":256.25,"sentiment":"neutral","sentiment_score":0.048560064285993576}],"sentiment":"neutral","sentiment_score":0.013025043309122944,"num_words":24,"start":238.865,"end":256.25},{"sentences":[{"text":"Yeah.","start":257.91,"end":258.41,"sentiment":"neutral","sentiment_score":0.04546039924025536},{"text":"Yeah.","start":267.205,"end":267.605,"sentiment":"neutral","sentiment_score":0.04375766217708587},{"text":"That sounds about right.","start":267.605,"end":268.985,"sentiment":"neutral","sentiment_score":0.06785961054265499},{"text":"Yes.","start":275.58,"end":276.08,"sentiment":"neutral","sentiment_score":0.02971954643726349},{"text":"Yeah.","start":279.81998,"end":280.31998,"sentiment":"neutral","sentiment_score":0.04165826365351677}],"sentiment":"neutral","sentiment_score":0.05400428920984268,"num_words":8,"start":257.91,"end":280.31998},{"sentences":[{"text":"No.","start":287.135,"end":287.295,"sentiment":"neutral","sentiment_score":-0.10032545030117036},{"text":"It's all standard.","start":287.295,"end":288.355,"sentiment":"neutral","sentiment_score":-0.029776910319924355},{"text":"Yeah.","start":288.495,"end":288.995,"sentiment":"neutral","sentiment_score":0.04895826429128647},{"text":"No.","start":294.015,"end":294.515,"sentiment":"neutral","sentiment_score":-0.06063994765281677},{"text":"But I should.","start":294.575,"end":295.475,"sentiment":"neutral","sentiment_score":-0.0463243176539739}],"sentiment":"neutral","sentiment_score":-0.03781231306493282,"num_words":9,"start":287.135,"end":295.475},{"sentences":[{"text":"No.","start":305.93,"end":306.09,"sentiment":"neutral","sentiment_score":-0.09746084362268448},{"text":"We don't.","start":306.09,"end":306.75,"sentiment":"neutral","sentiment_score":-0.07833556272089481},{"text":"Mhmm.","start":312.105,"end":312.605,"sentiment":"neutral","sentiment_score":0.017951447516679764},{"text":"It's closer to 6,000 now.","start":319.465,"end":323.325,"sentiment":"neutral","sentiment_score":0.004182612290605903},{"text":"Yeah.","start":324.58502,"end":324.825,"sentiment":"neutral","sentiment_score":0.02607165277004242}],"sentiment":"neutral","sentiment_score":-0.01891958073247224,"num_words":10,"start":305.93,"end":324.825},{"sentences":[{"text":"It's just coming out of my pay each week kind of thing, so kind of ignoring it.","start":324.825,"end":329.46,"sentiment":"neutral","sentiment_score":-0.002590184428674333},{"text":"We don't have that anymore.","start":335.6,"end":336.82,"sentiment":"neutral","sentiment_score":-0.07192294001579284},{"text":"That is significantly lower.","start":343.655,"end":345.49503,"sentiment":"neutral","sentiment_score":0.13584298640489578},{"text":"That's about 5,000 at the moment.","start":345.49503,"end":347.755,"sentiment":"neutral","sentiment_score":0.029634283545116585},{"text":"No.","start":357.89502,"end":358.39502,"sentiment":"neutral","sentiment_score":-0.025891156867146492}],"sentiment":"neutral","sentiment_score":0.00883753498959722,"num_words":33,"start":324.825,"end":358.39502},{"sentences":[{"text":"Yep.","start":367.88,"end":368.38,"sentiment":"neutral","sentiment_score":-0.0010991193121299148},{"text":"I did break my foot at Christmas time, but that's better now, and it's all fine.","start":376.225,"end":380.64502,"sentiment":"neutral","sentiment_score":-0.04570371320005506},{"text":"It was not great.","start":385.58,"end":386.46,"sentiment":"negative","sentiment_score":-0.6975405961275101},{"text":"I just stepped off a gutter wrong, you know, one of those ones and went, oh, no.","start":386.46,"end":390.32,"sentiment":"neutral","sentiment_score":-0.25961190462112427},{"text":"Bring a chunky sandal.","start":390.94,"end":392.32,"sentiment":"neutral","sentiment_score":-0.1315185222774744}],"sentiment":"neutral","sentiment_score":-0.2014761281593348,"num_words":42,"start":367.88,"end":392.32},{"sentences":[{"text":"Never again.","start":392.46,"end":393.28,"sentiment":"neutral","sentiment_score":-0.17380009591579437},{"text":"I don't.","start":405.71503,"end":406.45502,"sentiment":"neutral","sentiment_score":-0.16392654180526733},{"text":"No.","start":406.67502,"end":407.17502,"sentiment":"neutral","sentiment_score":-0.12579920887947085},{"text":"No.","start":416.88,"end":417.38,"sentiment":"neutral","sentiment_score":-0.18528062105178833},{"text":"Mhmm.","start":425.12,"end":425.62,"sentiment":"neutral","sentiment_score":0.036973290145397186}],"sentiment":"neutral","sentiment_score":-0.13565140217542648,"num_words":7,"start":392.46,"end":425.62},{"sentences":[{"text":"Yep.","start":429.28,"end":429.78,"sentiment":"neutral","sentiment_score":0.13652101159095764},{"text":"Yep.","start":442.185,"end":442.685,"sentiment":"neutral","sentiment_score":0.24596846103668213},{"text":"Yeah.","start":450.15,"end":450.65,"sentiment":"neutral","sentiment_score":0.3244341015815735},{"text":"So we probably will be moving in January because I think my husband's got a bit of a Sophie's Choice two jobs to choose 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shit.","start":576.165,"end":588.84,"sentiment":"neutral","sentiment_score":0.038893789906675615}],"sentiment":"neutral","sentiment_score":0.07620479253512856,"num_words":57,"start":569.125,"end":588.84},{"sentences":[{"text":"Got I got a bill.","start":589.06,"end":590.76,"sentiment":"neutral","sentiment_score":0.03528483882546425},{"text":"Yeah.","start":591.7,"end":592.2,"sentiment":"neutral","sentiment_score":0.05615492910146713},{"text":"Yeah.","start":592.74005,"end":592.98004,"sentiment":"neutral","sentiment_score":0.06294500827789307},{"text":"So just like a little yeah.","start":592.98004,"end":597.975,"sentiment":"neutral","sentiment_score":0.05015316791832447},{"text":"Probably, like, 25.","start":604.83496,"end":606.375,"sentiment":"neutral","sentiment_score":0.02196101409693559}],"sentiment":"neutral","sentiment_score":0.04139538633171469,"num_words":16,"start":589.06,"end":606.375},{"sentences":[{"text":"I feel like it's 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a good tip.","start":1063.745,"end":1064.625,"sentiment":"positive","sentiment_score":0.5309908390045166},{"text":"I'm just, like, spiraling around in my brain.","start":1064.625,"end":1066.8849,"sentiment":"neutral","sentiment_score":0.1388938631862402},{"text":"I'm like, wow.","start":1068.3649,"end":1072.825,"sentiment":"neutral","sentiment_score":0.2127059648434321},{"text":"Yeah.","start":1074.3049,"end":1074.625,"sentiment":"neutral","sentiment_score":0.21871480345726013}],"sentiment":"neutral","sentiment_score":0.25874462548424215,"num_words":17,"start":1063.505,"end":1074.625},{"sentences":[{"text":"Cool.","start":1074.625,"end":1075.125,"sentiment":"neutral","sentiment_score":0.10548807680606842},{"text":"Good tip.","start":1075.825,"end":1076.465,"sentiment":"positive","sentiment_score":0.7549256682395935},{"text":"Thank 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phone.","start":2376.94,"end":2378.22,"sentiment":"neutral","sentiment_score":-0.013212884465853373},{"text":"It's so small.","start":2378.22,"end":2379.1199,"sentiment":"neutral","sentiment_score":-0.07093996182084085}],"sentiment":"neutral","sentiment_score":-0.0124680487295756,"num_words":13,"start":2371.555,"end":2379.1199},{"sentences":[{"text":"There we go.","start":2381.5798,"end":2382.48,"sentiment":"neutral","sentiment_score":0.12776410579681396},{"text":"Oh, happy first day of spring.","start":2384.6199,"end":2386.48,"sentiment":"positive","sentiment_score":0.644399513800939},{"text":"Lovely.","start":2386.6199,"end":2387.1199,"sentiment":"positive","sentiment_score":0.7016956806182861},{"text":"There we go.","start":2390.595,"end":2391.495,"sentiment":"neutral","sentiment_score":0.32591596245765686},{"text":"Oh my god.","start":2392.915,"end":2393.635,"sentiment":"neutral","sentiment_score":-0.026349984109401703}],"sentiment":"positive","sentiment_score":0.36563018849119544,"num_words":16,"start":2381.5798,"end":2393.635},{"sentences":[{"text":"I can't wait.","start":2393.635,"end":2394.355,"sentiment":"neutral","sentiment_score":-0.0857635959982872},{"text":"I'm so bored of the cold.","start":2394.355,"end":2396.855,"sentiment":"neutral","sentiment_score":-0.2769920080900192},{"text":"Oh, I just put the wrong date in there.","start":2397.715,"end":2399.5552,"sentiment":"neutral","sentiment_score":-0.14871689097748864},{"text":"Hold on.","start":2399.5552,"end":2399.955,"sentiment":"neutral","sentiment_score":-0.11700868979096415},{"text":"Let me just oh, man.","start":2399.955,"end":2402.79,"sentiment":"neutral","sentiment_score":-0.1282353460788727}],"sentiment":"neutral","sentiment_score":-0.16531555861234665,"num_words":25,"start":2393.635,"end":2402.79},{"sentences":[{"text":"Computers.","start":2403.17,"end":2403.67,"sentiment":"neutral","sentiment_score":-0.2432018518447876},{"text":"Technology absolutely smokes me every time.","start":2404.69,"end":2407.97,"sentiment":"negative","sentiment_score":-0.47009531160195667},{"text":"Sorry.","start":2407.97,"end":2408.47,"sentiment":"neutral","sentiment_score":-0.24302875995635984},{"text":"Wow.","start":2417.285,"end":2417.785,"sentiment":"neutral","sentiment_score":-0.17821770906448364},{"text":"So crazy.","start":2418.4048,"end":2419.125,"sentiment":"neutral","sentiment_score":-0.17544439435005188}],"sentiment":"negative","sentiment_score":-0.34871899810704315,"num_words":11,"start":2403.17,"end":2419.125},{"sentences":[{"text":"Okay.","start":2419.125,"end":2419.4448,"sentiment":"neutral","sentiment_score":-0.03514184057712555},{"text":"Well, I think alright.","start":2419.4448,"end":2422.1648,"sentiment":"neutral","sentiment_score":-0.050014035776257515},{"text":"I signed it, but I think I put August instead of September, which is annoying.","start":2422.1648,"end":2426.6648,"sentiment":"neutral","sentiment_score":-0.13544747481743494},{"text":"Okay.","start":2430.325,"end":2430.825,"sentiment":"neutral","sentiment_score":-0.01562742330133915},{"text":"Sorry about that.","start":2431.08,"end":2435.5,"sentiment":"neutral","sentiment_score":-0.04607621021568775}],"sentiment":"neutral","sentiment_score":-0.1008652566621701,"num_words":24,"start":2419.125,"end":2435.5},{"sentences":[{"text":"No.","start":2438.84,"end":2439.08,"sentiment":"neutral","sentiment_score":-0.022801995277404785},{"text":"I think you guys are always really detailed in your info.","start":2439.08,"end":2443.26,"sentiment":"neutral","sentiment_score":0.055850702253254975},{"text":"Makes me actually think about my life in a good way and feel less scared about it, which is cool.","start":2443.56,"end":2450.4548,"sentiment":"neutral","sentiment_score":0.14529732074588536},{"text":"Yeah.","start":2464.3398,"end":2464.5798,"sentiment":"neutral","sentiment_score":0.21197263896465304},{"text":"Cool.","start":2464.5798,"end":2465.0798,"sentiment":"positive","sentiment_score":0.36470890045166016}],"sentiment":"neutral","sentiment_score":0.11982893187771826,"num_words":34,"start":2438.84,"end":2465.0798},{"sentences":[{"text":"We appreciate it.","start":2465.22,"end":2466.52,"sentiment":"positive","sentiment_score":0.45604953169822693},{"text":"Maybe just with all the changes that are coming up with us.","start":2477.715,"end":2480.355,"sentiment":"neutral","sentiment_score":0.07231254565219085},{"text":"Maybe every six months is probably good.","start":2480.355,"end":2483.3352,"sentiment":"neutral","sentiment_score":0.09598387564931597},{"text":"Yeah.","start":2486.195,"end":2486.5151,"sentiment":"neutral","sentiment_score":0.115873783826828},{"text":"I think that'll be good.","start":2486.5151,"end":2488.1099,"sentiment":"neutral","sentiment_score":0.2205696612596512}],"sentiment":"neutral","sentiment_score":0.1473752986639738,"num_words":28,"start":2465.22,"end":2488.1099},{"sentences":[{"text":"And then I'll probably remember things better from the previous one as well.","start":2488.1099,"end":2491.49,"sentiment":"neutral","sentiment_score":0.1452462638799961},{"text":"Mhmm.","start":2502.75,"end":2503.25,"sentiment":"neutral","sentiment_score":0.017914561554789543},{"text":"Yep.","start":2506.485,"end":2506.985,"sentiment":"neutral","sentiment_score":0.05136970803141594},{"text":"Yep.","start":2516.485,"end":2516.645,"sentiment":"neutral","sentiment_score":0.061307065188884735},{"text":"Yeah.","start":2516.645,"end":2517.03,"sentiment":"neutral","sentiment_score":0.07864874601364136}],"sentiment":"neutral","sentiment_score":0.12337891242521651,"num_words":17,"start":2488.1099,"end":2517.03},{"sentences":[{"text":"Yeah.","start":2519.75,"end":2520.07,"sentiment":"neutral","sentiment_score":0.06615795195102692},{"text":"Sure.","start":2520.07,"end":2520.57,"sentiment":"neutral","sentiment_score":0.07920438051223755},{"text":"Yeah.","start":2524.87,"end":2525.19,"sentiment":"neutral","sentiment_score":0.22690853476524353},{"text":"Perfect.","start":2525.19,"end":2525.69,"sentiment":"positive","sentiment_score":0.6881997585296631},{"text":"Easy.","start":2525.75,"end":2526.25,"sentiment":"positive","sentiment_score":0.6148418188095093}],"sentiment":"positive","sentiment_score":0.33506248891353607,"num_words":5,"start":2519.75,"end":2526.25},{"sentences":[{"text":"Thank you.","start":2529.573,"end":2530.4731,"sentiment":"positive","sentiment_score":0.8064869344234467},{"text":"Thank you very much.","start":2531.093,"end":2531.9731,"sentiment":"positive","sentiment_score":0.8293117433786392},{"text":"I hope you have a good day.","start":2531.9731,"end":2533.273,"sentiment":"positive","sentiment_score":0.7673152600015912},{"text":"Alright.","start":2534.933,"end":2535.433,"sentiment":"positive","sentiment_score":0.4652407169342041},{"text":"Awesome.","start":2536.4531,"end":2536.9531,"sentiment":"positive","sentiment_score":0.7931413650512695}],"sentiment":"positive","sentiment_score":0.7706539829572042,"num_words":15,"start":2529.573,"end":2536.9531},{"sentences":[{"text":"Take care.","start":2537.013,"end":2537.7532,"sentiment":"positive","sentiment_score":0.7088799774646759},{"text":"Bye.","start":2538.053,"end":2538.553,"sentiment":"positive","sentiment_score":0.45438623428344727}],"sentiment":"positive","sentiment_score":0.6240487297375997,"num_words":3,"start":2537.013,"end":2538.553}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Amy speaking.\n\nChannel 0: Hi, Amy. This is Jenna here from Oakview Financial. How are you today?\n\nChannel 1: Good. How are you going?\n\nChannel 0: I'm well. Thank you. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Beautiful. And just so that I can confirm I'm speaking with the correct person, can you confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. It's Amy Leaflux. Date of birth is the 10/13/1989. And my address is Unit 4898 Nicholson Street in Fitzroy North.\n\nChannel 0: Perfect. We have your annual review booked in. Just confirming that now is still a good time.\n\nChannel 1: Yeah. All good. I just need to spot my coworker to tell them I'm popping up, but I don't know where they are so they can just deal with it, I think.\n\nChannel 0: Well, I'll try and not take up too much of your time.\n\nChannel 1: No. That's okay. Let me also get out of the wind. I work in a garden, so\n\nChannel 0: Yep. Absolutely\n\nChannel 1: I just gotta find somewhere that's not so windy, a little bit more quiet, but that's all good.\n\nChannel 0: fine. Absolutely fine.\n\nChannel 1: How's your date been otherwise?\n\nChannel 0: It's been good. Thank you. What about yours?\n\nChannel 1: Yeah. Not too bad. Early start. It was a beautiful morning. Now it's really windy, so we'll see how the day pans out.\n\nChannel 0: Does an early start mean an early finish?\n\nChannel 1: Yeah. But then I just gotta go get my daughter straight away. So it's like,\n\nChannel 0: Yep.\n\nChannel 1: meh, whatever.\n\nChannel 0: It's one job\n\nChannel 1: Clocking\n\nChannel 0: to another,\n\nChannel 1: for the second\n\nChannel 0: isn't it?\n\nChannel 1: shift. Yeah. Exactly.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. I think I'm in a quieter spot now. Sorry\n\nChannel 0: Fantastic.\n\nChannel 1: about that. Thank you.\n\nChannel 0: You're absolutely fine. What I'd like to start doing, first of all, is just running through the information we have on file to make sure that it's up to date and current in\n\nChannel 1: Yep.\n\nChannel 0: regards to your personal and financial situation.\n\nChannel 1: Yep. Sure.\n\nChannel 0: So I have you listed here as a de facto. Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Do you have I know that you said you gotta go pick your daughter up. What\n\nChannel 1: Mhmm.\n\nChannel 0: is her name?\n\nChannel 1: Her name's Mila.\n\nChannel 0: How do I spell\n\nChannel 1: S s m I\n\nChannel 0: that?\n\nChannel 1: l a.\n\nChannel 0: Okay. Just I thought I should always check. And what's her date of birth? Oh,\n\nChannel 1: The 04/23/2022.\n\nChannel 0: Lovely. Getting close to starting school.\n\nChannel 1: I know. It's so scary.\n\nChannel 0: It\n\nChannel 1: I'm\n\nChannel 0: is.\n\nChannel 1: not ready\n\nChannel 0: It\n\nChannel 1: to\n\nChannel 0: is.\n\nChannel 1: I'm like, no. My baby.\n\nChannel 0: Yeah. It is it is scary. And I've got your spouse's name down as tie Tyrone or Tyrone is\n\nChannel 1: Just Tyrone, bravo.\n\nChannel 0: Tyrone?\n\nChannel 1: Yes.\n\nChannel 0: Bravo. Beautiful. And do you have a contact number for him as we've got him listed as your next of kin,\n\nChannel 1: Yeah.\n\nChannel 0: but we just don't have a phone number for him.\n\nChannel 1: It is I've got my brain. Okay. It's 0420\n\nChannel 0: Yes?\n\nChannel 1: oh, I can't wait. Hold on. Let me look it up because I get the last three swapped around all the time. One second. Sorry.\n\nChannel 0: No. Please and apologize. It's absolutely fine.\n\nChannel 1: Oops. Hold on a second. Oh, my phone. Hold on. Where is he?\n\nIt's 0420536145.\n\nChannel 0: 536145. Beautiful.\n\nChannel 1: That's it.\n\nChannel 0: With your occupation, we have you as a nursery supervisor. Has that changed?\n\nChannel 1: And that's\n\nChannel 0: Yep. Okay. And your employer name we had is. Has that changed?\n\nChannel 1: That has actually changed. So I'm with\n\nChannel 0: Yes.\n\nChannel 1: Citywide Service Solutions now.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And how many years have you been in the nursery supervisor position?\n\nChannel 1: Altogether, like, eight years, but with citywide, when did they take over? Probably two years.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's fine. And are you still working full time?\n\nChannel 1: I'm doing full time in four days.\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine. So still thirty eight hours?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Alright. And we have your income down as 51,000. Is that correct?\n\nChannel 1: Yeah. That sounds about right.\n\nChannel 0: Yep. And your expenditure at $550 a week\n\nChannel 1: Yes.\n\nChannel 0: and savings of $50 a week?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And does your employer pay any more than the 12% standard, or it's just that?\n\nChannel 1: No. It's all standard. Yeah.\n\nChannel 0: Yep. Beautiful. Do you make any additional contributions to?\n\nChannel 1: No. But I should.\n\nChannel 0: No. We can talk about that. And do you have an EBA agreement with your employer or anything?\n\nChannel 1: No. We don't.\n\nChannel 0: Okay. Beautiful. With the assets and liabilities,\n\nChannel 1: Mhmm.\n\nChannel 0: we had a study debt of 7,500. Is that still correct, or is it reduced?\n\nChannel 1: It's closer to 6,000 now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. It's just coming out\n\nChannel 0: Beautiful.\n\nChannel 1: of my pay each week kind of thing,\n\nChannel 0: Yeah.\n\nChannel 1: so kind\n\nChannel 0: Yep.\n\nChannel 1: of ignoring it.\n\nChannel 0: Yep. I feel you. And a personal loan of 2,500.\n\nChannel 1: We don't have that anymore.\n\nChannel 0: Beautiful. And a savings account with 18,000.\n\nChannel 1: That is significantly lower. That's about\n\nChannel 0: Yep.\n\nChannel 1: 5,000 at the moment.\n\nChannel 0: Okay. Fantastic. Any other assets or debts that may have you may have had since your last review? No?\n\nChannel 1: No.\n\nChannel 0: Okay. Fantastic. Alright. Are you still a nonsmoker?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Any significant health issues or injuries can still last review? We had a back issue due to pregnancy.\n\nChannel 1: I did break my foot at Christmas time, but\n\nChannel 0: Yep.\n\nChannel 1: that's better now, and it's all fine.\n\nChannel 0: So why is the why? That's not a nice way to spend your Christmas break.\n\nChannel 1: It was not great. I just stepped off a gutter wrong, you know, one of those\n\nChannel 0: Yeah.\n\nChannel 1: ones and went, oh,\n\nChannel 0: Yep.\n\nChannel 1: no. Bring a chunky\n\nChannel 0: Oh,\n\nChannel 1: sandal.\n\nChannel 0: no.\n\nChannel 1: Never again.\n\nChannel 0: No. Okay. That's fine. And just with your estate planning, do you have a will or power of attorney in place?\n\nChannel 1: I don't. No.\n\nChannel 0: No. Okay. Okay. And are you a tax resident of any other country?\n\nChannel 1: No.\n\nChannel 0: No. Just I just wanna revisit your goals and objectives that you had last time we met to\n\nChannel 1: Mhmm.\n\nChannel 0: see if it's still current or if there's anything else we need to include.\n\nChannel 1: Yep.\n\nChannel 0: You in the short term, you said yourself and Tyron are considering moving to Queensland, whether it be in Queensland or in Melbourne, you wanna purchase a new home soon,\n\nChannel 1: Yep.\n\nChannel 0: and you're interested in how we can help you save for the house deposit through the first homeowners\n\nChannel 1: Yeah.\n\nChannel 0: super\n\nChannel 1: So\n\nChannel 0: scheme.\n\nChannel 1: we probably will be moving in January because I think my\n\nChannel 0: Yep.\n\nChannel 1: husband's got a bit of a Sophie's Choice two jobs to choose from.\n\nChannel 0: Yep.\n\nChannel 1: So but the current timeline is moving in January.\n\nChannel 0: Okay. And do you think you will be looking to purchase, or where will you be moving?\n\nChannel 1: Probably the Sunshine Coast, but I don't think we'll be able to buy straight away.\n\nChannel 0: Yep.\n\nChannel 1: Just yeah.\n\nChannel 0: Okay. Okay. Alright. So we can leave that in there as a go.\n\nChannel 1: Mhmm.\n\nChannel 0: Would that be what time frame do you think you'd look at buying? Would it be a couple of years?\n\nChannel 1: Couple of years from when we get up there, probably two to five.\n\nChannel 0: Yep. Okay. Alright. Beautiful. I've updated that.\n\nAnother one of your goals is in retirement, you'd like to be debt free and have purchased and paid off your home, which you do have significant time for.\n\nChannel 1: Yep.\n\nChannel 0: You're also interested in setting up a legacy for your children and having additional investments that can pay your way through your retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Mhmm. Probably to break that down just a little bit further,\n\nChannel 1: Mhmm.\n\nChannel 0: the legacy and investments for your children, is that something separate to having additional investments that you can pay to supplement your time and income when\n\nChannel 1: Yeah. I think so.\n\nChannel 0: when that comes.\n\nChannel 1: Just\n\nChannel 0: Yep.\n\nChannel 1: for a little a little something for her.\n\nChannel 0: Yep. Okay. Is it have you thought about what the purpose of it is for sorry. Total blank then. For Mila, have you thought about what the what the purpose of it is?\n\nIs it is it education? Is it a little nest\n\nChannel 1: Yeah. Just a, like, a little nest egg for her.\n\nChannel 0: egg? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. I\n\nChannel 0: Is\n\nChannel 1: just I because I didn't I haven't had any money from my parents, so just knowing that that could be really helpful if that could happen for her in the future, just considering,\n\nChannel 0: yeah.\n\nChannel 1: you know, knowing what it's like to be like, oh, shit. Got\n\nChannel 0: Yes.\n\nChannel 1: I got a bill.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: So\n\nChannel 1: just like a little\n\nChannel 0: the there's definitely things we can look at. What\n\nChannel 1: yeah.\n\nChannel 0: kind of age would you think that you would like her to access it or have access to it?\n\nChannel 1: Probably, like, 25. I feel like it's\n\nChannel 0: Yeah. A good age.\n\nChannel 1: smart. Yeah.\n\nChannel 0: And is there a certain amount that you wanted available at 25 for her?\n\nChannel 1: I haven't\n\nChannel 0: Or\n\nChannel 1: really thought that far ahead.\n\nChannel 0: Yeah.\n\nChannel 1: It's sort of just like anything to help kinda thing, but I\n\nChannel 0: Yep.\n\nChannel 1: haven't got a, like, a number amount on it.\n\nChannel 0: Okay. From a cash flow perspective, I guess, what would be an amount that you could contribute to it, whether it be weekly, fortnightly, monthly? And we can look at some figures as to what that looks like for you.\n\nChannel 1: Yeah. I think probably, like, $50 a fortnight to begin with\n\nChannel 0: Yeah.\n\nChannel 1: just to keep it, like you know, that adds up quite quickly if you if it\n\nChannel 0: Yes.\n\nChannel 1: just disappears without you seeing it anyway.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Fantastic. And then looking at additional ways that you can fund your retirement when you get there, that would probably look depend on your retirement age\n\nChannel 1: Yeah.\n\nChannel 0: and your the status of the debt on your home at the time.\n\nChannel 1: Yeah.\n\nChannel 0: What is your ideal retirement age?\n\nChannel 1: I guess my parents both just retired. They're 65.\n\nChannel 0: Yep.\n\nChannel 1: So I guess that would be, like, you know, late ish but reasonable, I think.\n\nChannel 0: Yep.\n\nChannel 1: Just imagining working when you're 70 years old seems a bit grim, but\n\nChannel 0: It does, doesn't it?\n\nChannel 1: the way of the world's a little bit at the moment, isn't it?\n\nChannel 0: It it's it it is a bit deflating where the world\n\nChannel 1: Yeah.\n\nChannel 0: is at the moment. In retirement, if you're debt free, how much do you think you would need per week, per fortnight to live?\n\nChannel 1: I don't know. It's so hard to imagine because of all the\n\nChannel 0: Mhmm.\n\nChannel 1: inflation and things at the moment. But,\n\nChannel 0: Mhmm.\n\nChannel 1: ideally, like, if everything's paid off and things like a thousand dollars a fortnight, Sorry. A thousand dollars a week for like, I'm thinking about me and my husband as well.\n\nChannel 0: Yep. Is that for\n\nChannel 1: It's\n\nChannel 0: both?\n\nChannel 1: like yeah. I think so.\n\nChannel 0: Yep. Yep. Beautiful. That's fine. Because what we can do is when we do project that and see what we need to do to get you there, we do take into consideration inflation.\n\nAnd, you know, that 1,000 today might actually be worth 2,000 by\n\nChannel 1: Yeah.\n\nChannel 0: the time you retire. So we do take that into consideration. So it's just a starting point for us to kinda\n\nChannel 1: Yeah.\n\nChannel 0: look at your full holistic financial situation and how we're gonna help you get there.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: The other goal was that you wanna be able to keep track of your super a lot more and not just be winging it, and you wanna\n\nChannel 1: Yep.\n\nChannel 0: have the best options available to you.\n\nChannel 1: Yep.\n\nChannel 0: How are you feeling with your Hub twenty four\n\nChannel 1: Fine in terms of, like, I get emails and information from them in that way. But every single time I go to log in, I have to do all the password\n\nChannel 0: account?\n\nChannel 1: changing, email checking, verification kind of stuff. It drives me crazy. So that puts me off from checking it more often, which is not great, but, like, it's just like, you know, when you got ten minutes to do something\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Yes.\n\nChannel 1: it doesn't\n\nChannel 0: I\n\nChannel 1: work\n\nChannel 0: understand.\n\nChannel 1: straight away, I'm like, oh my god.\n\nChannel 0: Well,\n\nChannel 1: So\n\nChannel 0: what I might do I'm not sure how that works. So what I can do is get one of my colleagues to help with that potentially. It might be as simple as we maybe can set up a two factor where it just automatically goes in.\n\nChannel 1: yeah.\n\nChannel 0: So let me make a note\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: I know that's such a, like,\n\nChannel 0: that.\n\nChannel 1: lazy computer person's thing. I'm just like, oh\n\nChannel 0: No.\n\nChannel 1: god.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: get\n\nChannel 1: can't\n\nChannel 0: it.\n\nChannel 1: be bothered. I toss\n\nChannel 0: I've\n\nChannel 1: the phone\n\nChannel 0: got\n\nChannel 1: across\n\nChannel 0: two\n\nChannel 1: the room.\n\nChannel 0: I've got two factor ever across my whole entire platform of work, and it drives me crazy as well. So I completely understand exactly where you're coming from.\n\nChannel 1: Okay. Good.\n\nChannel 0: The last goal was, in the longer term, you're interested in getting better value for money for your life, keeping the income protection.\n\nChannel 1: Mhmm.\n\nChannel 0: However, at the time, you hadn't finished maternity leave yet.\n\nChannel 1: Yep.\n\nChannel 0: So is it something that you want to look at reviewing your life PPD income protection at this point in time?\n\nChannel 1: Potentially, it's sort of, you know, when you're in the routine of just getting up, going to work kind of thing, you don't really think about it. Because it seems to just be fine at the moment,\n\nChannel 0: Mhmm.\n\nChannel 1: but\n\nChannel 0: Set and\n\nChannel 1: it might be worth having a look at kind of thing, just reviewing it just to make sure that I actually do know what's\n\nChannel 0: forget. Yeah.\n\nChannel 1: included or whatever.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Alright. I'm going to touch on that shortly when we go through our review and get a little just go a little bit deeper with it and\n\nChannel 1: Yeah.\n\nChannel 0: ask a little bit more questions. With\n\nChannel 1: Yeah.\n\nChannel 0: your goals and objectives, are there any new ones that you need to you want me to look at and see if we can assist in it? Yep.\n\nChannel 1: Well, I think we've we've been discussing getting a second car because right now we're in Melbourne, and that's fine because there's public transport galore. But when\n\nChannel 0: Yep.\n\nChannel 1: we move, we'll need a second car.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: that's something that we're got in the back of our minds as well.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And with your in in funding that, would you would you take out a\n\nChannel 1: I think so.\n\nChannel 0: loan?\n\nChannel 1: Probably\n\nChannel 0: Yep.\n\nChannel 1: my yeah. My husband and I would do that together, not just as\n\nChannel 0: Yep.\n\nChannel 1: a single person. Yeah.\n\nChannel 0: Yeah. Well, I can put you in contact with a professional partner that we do work with if you like\n\nChannel 1: Mhmm.\n\nChannel 0: to help you look at that.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah? I can arrange for that. Anything else that you would like to you think you may need advice on or that we could help you with?\n\nChannel 1: No. I think that's good.\n\nChannel 0: Mhmm.\n\nChannel 1: Unless there's somebody who can just with moving costs and interstate moving. I don't know if that is something that somebody can advise me on because it's sort of in my mind as well that we're gonna have to need to, I don't know, move and find somewhere. I don't know where to start, basically.\n\nChannel 0: It's it's\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: don't\n\nChannel 0: big\n\nChannel 1: know if\n\nChannel 0: it's\n\nChannel 1: that's\n\nChannel 0: a big adjustment. Professional partner wise, I don't think we have anything. We won't have anyone that can assist with that. But with\n\nChannel 1: mhmm.\n\nChannel 0: your husband's potential new role, you mentioned he has two opportunities. Is there in it might be worth discussing with them about relocation support?\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: yeah. That's true.\n\nChannel 0: because a lot a lot of them these days do assist with that in relation to those relocation expenses.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: I'd\n\nChannel 1: Okay.\n\nChannel 0: probably look at that as your first point of call, and\n\nChannel 1: Yeah.\n\nChannel 0: they would be able to if they're unable I mean, if they are able to offer the financial support of that, then they might be able to also point you in the direction of someone that can\n\nChannel 1: Yeah. Cool.\n\nChannel 0: can also help you with the logistics of it and\n\nChannel 1: Yeah. That's a good\n\nChannel 0: all\n\nChannel 1: tip.\n\nChannel 0: all\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: just, like,\n\nChannel 0: sort\n\nChannel 1: spiraling\n\nChannel 0: of stuff.\n\nChannel 1: around in my brain. I'm\n\nChannel 0: Yeah. Yeah. So once you've made a\n\nChannel 1: like,\n\nChannel 0: decision, I think\n\nChannel 1: wow.\n\nChannel 0: reach out to them.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: And, yeah,\n\nChannel 1: Good\n\nChannel 0: a lot of\n\nChannel 1: tip.\n\nChannel 0: them do.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. No. I've seen it a few times, so it it helps just to have your options open.\n\nChannel 1: Yeah.\n\nChannel 0: So what I'm going to do, you may do you have access to your emails at the moment?\n\nChannel 1: Kind of. I'm just I've only got my phone today, so\n\nChannel 0: Yeah.\n\nChannel 1: I can\n\nChannel 0: Nope. That's\n\nChannel 1: scramble\n\nChannel 0: okay.\n\nChannel 1: around there.\n\nChannel 0: Alright. I've just sent you a review pack, and\n\nChannel 1: Mhmm.\n\nChannel 0: it will come through from OdooSign. That's just\n\nChannel 1: Yep.\n\nChannel 0: the platform that we use. So they're the doc contained in that email are the documents that we're gonna run through just now\n\nChannel 1: Yep. Yep.\n\nChannel 0: and complete your review and see how we go.\n\nChannel 1: Alright. I will just pop you on speaker, and I'll\n\nChannel 0: Yeah.\n\nChannel 1: sift\n\nChannel 0: No worries\n\nChannel 1: through and\n\nChannel 0: at\n\nChannel 1: find\n\nChannel 0: all.\n\nChannel 1: out school. Thank you. Alright. Cool. Got it.\n\nChannel 0: Beautiful. So I think you need to click the sign button, and it's gonna take\n\nChannel 1: Yeah.\n\nChannel 0: us through all the documents. You don't you're not signing anything at the present moment. It's just gonna navigate us through the documents that are attached.\n\nChannel 1: Yep.\n\nChannel 0: So I'm hoping when you open it, the first document is a overview summary of superannuation insurance.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So you'll see in the top, you've got your hub account. It's sitting\n\nChannel 1: Yep.\n\nChannel 0: at $92,209. And\n\nChannel 1: Yep.\n\nChannel 0: then we have your insurances below with MetLife. So they're sitting at $262,500 each for life and PPD, and\n\nChannel 1: Yep.\n\nChannel 0: income protection at $2,245 a month with a 60\n\nChannel 1: Yep.\n\nChannel 0: day waiting period and a five year benefit period.\n\nChannel 1: Yep.\n\nChannel 0: Now what's the life insurance one of the questions I probably would pose to you, and it might be in\n\nChannel 1: Mhmm.\n\nChannel 0: And then, that would that be we need to think about along the lines of is there enough there, for him to, potentially take on someone that could provide additional care for Mila if he was to continue to work? Would he need to continue to work to meet the lifestyle and the expenses that you're you're accustomed that they're accustomed to? Schooling wise, what are the plans for Mila? Is it are you thinking private or public school? So\n\nChannel 1: Yeah.\n\nChannel 0: that they are kind of the things we look at when we, assess your needs for levels of cover, particularly\n\nChannel 1: Yes.\n\nChannel 0: when children are involved as, you know, they cost us a a fair bit.\n\nChannel 1: Yeah. Yes. I do.\n\nChannel 0: So I don't know if you have any thoughts about that yourself because I can go away and run some figures and and have a look at some things.\n\nChannel 1: Yep. I don't really know. I think it would probably\n\nChannel 0: Yep.\n\nChannel 1: be fine because, yeah, he's the he's the money maker in in our pair.\n\nChannel 0: Yeah.\n\nChannel 1: So I think that would be fine. Yeah.\n\nChannel 0: Okay. So you don't think that there'd be any if you don't mind me asking, do you know what his income is?\n\nChannel 1: About 160 k a year,\n\nChannel 0: Yeah.\n\nChannel 1: and he's probably getting a pay rise with a new job.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay. Fantastic.\n\nChannel 1: yeah.\n\nChannel 0: Do you think there were that you would want any funds available for them to purchase a house or just that amount is\n\nChannel 1: I mean, yes. But yeah. I think that's probably alright.\n\nChannel 0: fine? Yeah. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: I won't be a I'm just making some notes as we go.\n\nChannel 1: Yep.\n\nChannel 0: So with your income protection, I'm just gonna do a quick calculation. $297.05. You're a little bit based on 51,000 a year, you're a little bit shy, some insured, of having your 77 70% of your income insured. So you fall\n\nChannel 1: Mhmm.\n\nChannel 0: shy about $500. So, potentially, your sum insured for income protection could be as high as $2,975 a month.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Just flagging this with you as if this is something that you wanted to look at increasing or if you're happy to leave it as is.\n\nChannel 1: I think I'm happy to leave it for now.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And you're and you're comfortable with the sixty day waiting period?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And you understand what that means?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. Okay. The only other thing that I did wanna flag with you is part of a risk protection\n\nChannel 1: Yep.\n\nChannel 0: portfolio is something called trauma insurance, and you don't\n\nChannel 1: Mhmm.\n\nChannel 0: presently have that. Has\n\nChannel 1: Yep.\n\nChannel 0: that been discussed with you in the past?\n\nChannel 1: I don't think so.\n\nChannel 0: No? Okay. So what I'll do is I'll give you a very brief rundown.\n\nChannel 1: Yep.\n\nChannel 0: Trauma insurance covers when you are diagnosed with a specific condition. So in a trauma policy, it's generally 40 plus different conditions, and\n\nChannel 1: Yeah.\n\nChannel 0: they range from different types of cancer to stroke to heart attack, neurological issues, etcetera.\n\nChannel 1: Mhmm.\n\nChannel 0: And what that is is it's a lump sum payment tax free to the individual. And, typically, what we would cover in a how we would work out a recommended level of cover would a an amount to look at out of pocket medical expenses\n\nChannel 1: Yeah.\n\nChannel 0: and to generally cover if there's any debt, pay out some debt to take the pressure off the family, and,\n\nChannel 1: Mhmm.\n\nChannel 0: additionally, a recuperation period. Because, typically, what what we do see is that a trauma claim doesn't necessarily mean it's a terminal situation. It means that you're getting treatment, and in most cases, you will return to the workforce. So it's just designed to take that pressure off the family\n\nChannel 1: Yeah.\n\nChannel 0: when you're going through the treatment of a potential\n\nChannel 1: Whatever it is. Yeah.\n\nChannel 0: health issue.\n\nChannel 1: Yeah.\n\nChannel 0: The issue well, not the issue. The reason why it's tax free is because it's paid from your personal tax personal cash flow, so you cannot fund it from superannuation.\n\nChannel 1: Okay.\n\nChannel 0: So, I mean, it I mean, given your age, it it you're probably in the relatively cheaper side of it.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: However, it's probably important for you to look at as well being a woman. There are a lot of lot of things that can happen to us in this age bracket. And, yeah, I I always feel like it's better to be safe than sorry. You can have a look at it and make a decision that way.\n\nChannel 1: Yes.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: if it's okay with you, I really would like to have a look at some level of trauma for\n\nChannel 1: Yeah. Sure. That\n\nChannel 0: you.\n\nChannel 1: actually sounds\n\nChannel 0: Yeah.\n\nChannel 1: good because we have a friend who was diagnosed with leukemia, and he had to stop working for ages. And it\n\nChannel 0: Yep.\n\nChannel 1: was really rough on him, and he didn't have any of that sort of stuff.\n\nChannel 0: Yeah. Yeah. And\n\nChannel 1: So\n\nChannel 0: a lot of the a lot of the time, the income protection, you've got a sixty day waiting period, which is ninety days essentially from your first payment. That's three\n\nChannel 1: Yes.\n\nChannel 0: months without an income. But, additionally, unfortunately, just because you're undergoing treatment, it doesn't mean that you're unable to work, and\n\nChannel 1: Yeah.\n\nChannel 0: that's the problem with the income protection. I had a friend who had breast cancer a couple years ago. So and I saw her. Like, her recovery period was about six weeks after her mastectomy, and then\n\nChannel 1: Yeah.\n\nChannel 0: she was fine to go back to work while doing other treatments. So\n\nChannel 1: Yeah.\n\nChannel 0: I kind of it's\n\nChannel 1: Yeah.\n\nChannel 0: it's not it's not great.\n\nChannel 1: No.\n\nChannel 0: Okay. So I might if that's okay with you, I'd like to have a look at look at that.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Alright. Fantastic. The next document in your pack should be a performance report.\n\nChannel 1: Mhmm.\n\nChannel 0: Is\n\nChannel 1: Yep.\n\nChannel 0: it a twelve month one? Is it go from September 25 to August or\n\nChannel 1: Yes.\n\nChannel 0: August 31? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So I'm gonna start with the bad news first. The bad news is you'll see that that fund at the very top and along Australian equities funds. It\n\nChannel 1: Yep.\n\nChannel 0: experienced quite a significant negative return in that twelve month period. The rest of your portfolio performed extremely well.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: However, given your exposure to that Benelon Australian equities fund where the vast majority of your funds are invested,\n\nChannel 1: Yeah.\n\nChannel 0: well, at least, I guess, maybe as a as a quarter of it,\n\nChannel 1: Yeah.\n\nChannel 0: it did have an impact in your overall and your return.\n\nChannel 1: Yeah.\n\nChannel 0: The Bennelong Fund itself underperformed not due to the Australian market underperforming, but more to the investment manager's mandate. So their mandate is to identify a strained company that they believe are undervalued for opportunities of growth. Unfortunately,\n\nChannel 1: Yep.\n\nChannel 0: the last twelve months, the banks and or the the blue the blue color, not blue color. Sorry. The a word that escaped me. The top ASX two hundred funds have performed significantly\n\nChannel 1: Yep.\n\nChannel 0: better. So, unfortunately, it's just that their mandate has not hit the mark. So our investment committee has reviewed it, and we're no longer comfortable withholding that in\n\nChannel 1: Yep.\n\nChannel 0: the portfolio as they're they are continuing with their mandate. And what we\n\nChannel 1: Yeah.\n\nChannel 0: wanna do is look at opportunities available that can continue to help meet your goals and objectives that may\n\nChannel 1: Yeah.\n\nChannel 0: be an alternative for Benelon. So, again, if you're happy for me to do that,\n\nChannel 1: Yes.\n\nChannel 0: I'd like\n\nChannel 1: For\n\nChannel 0: to\n\nChannel 1: sure.\n\nChannel 0: look into other options.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And\n\nChannel 1: That's\n\nChannel 0: with\n\nChannel 1: fine.\n\nChannel 0: the rest of your beautiful. And with the rest of your portfolio, you've got a really good allocation to significant satellite areas. So they're more niche niche sectors, I guess, you'd call it. So you've got some global agriculture, some global cyber\n\nChannel 1: Yeah.\n\nChannel 0: tech, some battery tech and lithium,\n\nChannel 1: Yeah.\n\nChannel 0: and you've also got America, Asia, and Europe with some health global health and just some diversified conservative funds to allow for a bit of a defensive option in your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So, unfortunately, the last twelve months, your account did only return gross oh, sorry, net of fees, 1.26%, which is well\n\nChannel 1: Yep.\n\nChannel 0: below where we want it.\n\nChannel 1: Yep.\n\nChannel 0: And the next document is another performance report showing six months to the August 31, which does show a lesser loss of Benelon,\n\nChannel 1: Yep.\n\nChannel 0: but a six month return of 5.02. So the the the portfolio itself is recovering, but we're sticking to our conviction in relation to replacing looking at alternatives to replace Benelong just due to the consistent underperformance.\n\nChannel 1: Yeah.\n\nChannel 0: The next document along is the 2026 Vanguard index chart.\n\nChannel 1: Mhmm.\n\nChannel 0: Now what I I like to use this for is if on the right hand side of the column, if you look at the top four being US shares, Australian shares, international, and Australian listed properties,\n\nChannel 1: Yep.\n\nChannel 0: they're your gross assets. So you hold growth assets within your portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: and the the next two down Australian bonds and cash are your defensive assets.\n\nChannel 1: Yep.\n\nChannel 0: So your portfolio at the moment is made up of about 87 and a half percent to those top four, your growth assets, and 12.5% to your defensive assets, which are the bottom\n\nChannel 1: Yes.\n\nChannel 0: two. You you have identified as a high growth investor, which we see sitting around a 90 to 10% allocation, so 19% of of your funds in growth and 10% in incentive.\n\nChannel 1: Yep.\n\nChannel 0: A minimum time frame for that investment is always eight years. So given\n\nChannel 1: Yes.\n\nChannel 0: your superannuation isn't accessible for at least twenty four more years, I feel that your high growth risk profile is is sufficient. But\n\nChannel 1: Mhmm.\n\nChannel 0: the what I need to probably confirm with you is is that is that are you comfortable with that? Because with a high growth portfolio, what we do typically expect is one in every five years, you're gonna have a negative\n\nChannel 1: Yeah.\n\nChannel 0: return. Typically, in a high growth portfolio, we'd see a return of eight to 10%, and that's usually grosser fees. That's not net of fees.\n\nChannel 1: Yes.\n\nChannel 0: So it's more so so if you can if you look at the Vanguard chart, for example, and you see those top four and the volatility that it's those those assets do experience as opposed to the more\n\nChannel 1: Mhmm.\n\nChannel 0: defensive assets listed below,\n\nChannel 1: Yes.\n\nChannel 0: It's really your comfort level as to whether you are prepared to experience that volatility with about 90% of your funds over the long term. So you will see that there's dips, and\n\nChannel 1: Yeah.\n\nChannel 0: you will see recoveries.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: It's\n\nChannel 0: it's\n\nChannel 1: sort\n\nChannel 0: more\n\nChannel 1: of like\n\nChannel 0: about\n\nChannel 1: a just it just kinda goes on the trend\n\nChannel 0: yeah.\n\nChannel 1: kind of, but it's still\n\nChannel 0: Yep.\n\nChannel 1: growing.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So what you'll see along the top, the other thing I like about the Vanguard index chart is along the top, you've got little black events\n\nChannel 1: Ah, yes.\n\nChannel 0: that are\n\nChannel 1: Things\n\nChannel 0: noted.\n\nChannel 1: would have happened.\n\nChannel 0: So\n\nChannel 1: Crazy stuff.\n\nChannel 0: yes. Yeah. And you'll see how the market's reacted in those events.\n\nChannel 1: Yeah.\n\nChannel 0: And, like, the the perfect one is the COVID nineteen outbreak. The whole market essentially lost its\n\nChannel 1: Yeah.\n\nChannel 0: mind.\n\nChannel 1: Yeah.\n\nChannel 0: But you will see also that it does recover. So and that's why we always say over an eight year like, for a high growth asset allocation, you want it for a minimum of eight years because it does sometimes some of the assets can take a longer period to recover. But as\n\nChannel 1: Yes.\n\nChannel 0: long as you're comfortable with that, that's okay. So\n\nChannel 1: Yes.\n\nChannel 0: to confirm I mean, I can confirm that with you if you're happy and comfortable with it, or what what we can do is complete a little questionnaire, which gives me an idea of your your risk tolerance to see if you are still comfortable to sit in that high growth bracket.\n\nChannel 1: I think I am. I feel like it's all, you know, ebbs and flows of everything. It seems to be fine in my eyes.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And we we the purpose of that and your reviews is always to make sure that we're staying on top of things. If there's anything that needs changing, we identify it, we discuss it, we get your approval, and we go ahead and conduct that research to get it\n\nChannel 1: Yeah.\n\nChannel 0: done and\n\nChannel 1: Yeah.\n\nChannel 0: then meet with you. So I will add that to my list to keep as is that look at\n\nChannel 1: Yep.\n\nChannel 0: options in relation to your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: The next document along is a certificate of currency, and this is, again, just referring back to your levels of cover. So it's from MetLife, and it just explains what your covers are, the annual premiums, and that it is funded through your superannuation funds.\n\nChannel 1: Yep.\n\nChannel 0: So your fund is impacted by the reduction of the insurance premium. So\n\nChannel 1: Mhmm.\n\nChannel 0: that's why we can look at if cash flow allows adding a little bit extra into super to help minimize those that impact.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any surplus cash flow that you would consider investing into super?\n\nChannel 1: I wouldn't say it's a huge surplus, but, yeah, like, similar to what I said before, like, $50 disappears\n\nChannel 0: Yep.\n\nChannel 1: so quickly on nothing. So, like,\n\nChannel 0: Yep.\n\nChannel 1: you know\n\nChannel 0: So $50 a fortnight kinda thing?\n\nChannel 1: yeah. Yeah. Yeah.\n\nChannel 0: Yep. Okay. I can make a note of that and see what we can do there. The other thing I had with your insurance policies is that we've got Tyrone nominated as your beneficiary, but it's a nonbinding\n\nChannel 1: Yes.\n\nChannel 0: beneficiary, which means the trustees basically have discretion. He's your spouse. I mean, there's really no other financial dependent besides Mila, which it\n\nChannel 1: Yeah.\n\nChannel 0: wouldn't be paid to. But what we can do is look at changing that to a nonlapsing binding, which means that instead of having to renew it every three odd years,\n\nChannel 1: Yeah.\n\nChannel 0: it won't it won't lapse until\n\nChannel 1: Yeah.\n\nChannel 0: and it updating\n\nChannel 1: Yeah. Alright. Yeah. That sounds good. Yeah.\n\nRight.\n\nChannel 0: that. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Update that.\n\nChannel 1: Yep. Cool. Thank you.\n\nChannel 0: Beautiful. And the next document along is our financial services guide.\n\nChannel 1: Yep.\n\nChannel 0: This just explains to you a little bit about who we are.\n\nChannel 1: Mhmm.\n\nChannel 0: Met some members of the team, which needs updating. I'm not in there just yet.\n\nChannel 1: Read.\n\nChannel 0: I know. And then a little bit about who we are, what services we provide, and how we provide the advice fees. And if you're unhappy, avenues you can pursue to make a complaint.\n\nChannel 1: Yes. Cool.\n\nChannel 0: So that's what that document is. And the last two are ones that do require your signature. So\n\nChannel 1: Yep.\n\nChannel 0: is it your tax file number is the next document?\n\nChannel 1: I think it's wait a second. Oh my god. My phone's doing something. Sorry.\n\nChannel 0: No. You're absolutely fine.\n\nChannel 1: What does it say? Consent to new ongoing fee arrangement?\n\nChannel 0: Okay. Yep. Okay. Beautiful. So that what that is is that we ask you if you're happy to continue as a client of Oakview Financial to sign this\n\nChannel 1: Yep.\n\nChannel 0: form and return it to us. So\n\nChannel 1: Yep.\n\nChannel 0: the fee is based on a percentage, but what we have done as opposed to in the past is we have fixed it. So the the fee won't, let's call it, fluctuate with\n\nChannel 1: Yep.\n\nChannel 0: the market. It's set for twelve months, and\n\nChannel 1: Yep.\n\nChannel 0: the fit and that will give you clarity and guidance on that. So the fee is $1,597.52 per annum. That\n\nChannel 1: Yep.\n\nChannel 0: is deducted from your superannuation fund on a monthly basis. So that works\n\nChannel 1: Yep.\n\nChannel 0: out to be a $133.13 approximately per month.\n\nChannel 1: Yep.\n\nChannel 0: And, again, with your so it covers your services. So if you have any all the advice that we're providing you with, so if you have any concerns, questions, or you think you need to seek some advice, you're not limited to one in your review a year. Just reach out to us whether it be via email or pick up the phone, and\n\nChannel 1: Yeah.\n\nChannel 0: we're here for you. That's what that\n\nChannel 1: Perfect.\n\nChannel 0: speaks up.\n\nChannel 1: Cool. Thank you.\n\nChannel 0: So if you're happy with that,\n\nChannel 1: Yep.\n\nChannel 0: I'd ask you to sign it and return it. And then the last document is just the basically, your confirmation that you're happy for us to hold your tax file number. So the reason\n\nChannel 1: Yep.\n\nChannel 0: we do hold it is for superannuation funds in your state in in your state in your circumstance so we can provide ensure that we're able to hold on record that we have your authority to have provided that to hub twenty four to excessively in your super funds.\n\nChannel 1: Yeah.\n\nChannel 0: So, again, we'd ask you to sign that if that's okay.\n\nChannel 1: Okay. No worries. Sorry. Just trying to use the phone. It's so small.\n\nThere we go. Oh, happy first day of spring. Lovely.\n\nChannel 0: Oh, yeah. Nice. Hopefully,\n\nChannel 1: There we\n\nChannel 0: some\n\nChannel 1: go.\n\nChannel 0: warmer weather comes our way.\n\nChannel 1: Oh my god. I can't wait. I'm so bored of the cold.\n\nChannel 0: I\n\nChannel 1: Oh,\n\nChannel 0: know.\n\nChannel 1: I just put the wrong date in there. Hold on. Let me just oh, man. Computers. Technology absolutely smokes me every time.\n\nSorry.\n\nChannel 0: Yeah. It's it's something that we've learned that we can't live without, but it's it's a very, very it's the bane of the my existence\n\nChannel 1: Wow.\n\nChannel 0: someday.\n\nChannel 1: So crazy. Okay. Well, I think alright. I signed it, but I think I put August instead of September, which is annoying.\n\nChannel 0: That's okay. If there's any issues, I'll get my colleague reach\n\nChannel 1: Okay.\n\nChannel 0: out, but that should\n\nChannel 1: Sorry\n\nChannel 0: be\n\nChannel 1: about\n\nChannel 0: fine. No. That's okay. Do you after\n\nChannel 1: that.\n\nChannel 0: all that information download, do you have any questions for me?\n\nChannel 1: No. I think you guys are always really detailed in your info. Makes me actually think about my life in a good way\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: That's\n\nChannel 1: feel\n\nChannel 0: good.\n\nChannel 1: less scared\n\nChannel 0: That's\n\nChannel 1: about\n\nChannel 0: good.\n\nChannel 1: it, which is cool.\n\nChannel 0: Oh, that is good. Good. That's the with you know, our purpose is always to make sure that our clients sleep well at night. So if we're helping assist with that in one area of their lives and taking some pressure away, then we're doing our job.\n\nChannel 1: Yeah. Cool. We appreciate it.\n\nChannel 0: Thank you. Thank you. And just last do you are you happy with your annual for real reviews to be annual, or would you like them more frequent?\n\nChannel 1: Maybe just with all the changes that are coming up with us. Maybe every six months is probably good.\n\nChannel 0: Yep. Okay. I can make a note of\n\nChannel 1: Yeah. I think that'll be good.\n\nChannel 0: that.\n\nChannel 1: And then I'll\n\nChannel 0: Alright.\n\nChannel 1: probably remember\n\nChannel 0: Beautiful.\n\nChannel 1: things better from the previous one as well.\n\nChannel 0: Too easy. What I'll also do is I am gonna conduct some research on the areas we've talked about today.\n\nChannel 1: Mhmm.\n\nChannel 0: Typically, that would take about two to three weeks. I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna reach back out to you within that time frame to set up another time just to go through the changes that I've looked at. So\n\nChannel 1: Yep. Yeah.\n\nChannel 0: you can expect to hear from me again soon.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: But, yeah, I just thought I'd flag that with you before we go any further.\n\nChannel 1: Yeah. Perfect. Easy.\n\nChannel 0: Alright. Lovely. Well, thanks so much for your time today, Amy.\n\nChannel 1: Thank\n\nChannel 0: I really\n\nChannel 1: you.\n\nChannel 0: appreciate it.\n\nChannel 1: Thank you very much. I hope you have a good day.\n\nChannel 0: You too. You too.\n\nChannel 1: Alright.\n\nChannel 0: Enjoy.\n\nChannel 1: Awesome. Take care. Bye.\n\nChannel 0: You too. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.28,"sentiment":"neutral","sentiment_score":0.031131045892834663},{"text":"Amy speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.028827001340687275}],"sentiment":"neutral","sentiment_score":0.029595016191403072,"channel":1,"num_words":3,"start":0.96,"end":2.1},{"sentences":[{"text":"Hi, Amy.","start":3.04,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.1508837789297104},{"text":"This is Jenna here from Oakview Financial.","start":3.9199998,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.18511943093367986},{"text":"How are you 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purposes.","start":11.84,"end":16.995,"sentiment":"neutral","sentiment_score":0.045526247633540115},{"text":"Is that okay?","start":17.055,"end":17.875,"sentiment":"neutral","sentiment_score":0.045161968717972435}],"sentiment":"neutral","sentiment_score":0.10643711524705092,"channel":0,"num_words":30,"start":9.04,"end":17.875},{"sentences":[{"text":"Yeah.","start":17.974998,"end":18.295,"sentiment":"neutral","sentiment_score":0.04683337360620499},{"text":"No worries.","start":18.295,"end":19.035,"sentiment":"neutral","sentiment_score":0.14317815750837326}],"sentiment":"neutral","sentiment_score":0.11106322954098384,"channel":1,"num_words":3,"start":17.974998,"end":19.035},{"sentences":[{"text":"Beautiful.","start":19.935,"end":20.435,"sentiment":"positive","sentiment_score":0.4741213917732239},{"text":"And just so that I can confirm I'm speaking with the correct person, can you confirm your full name, date of birth, and address, 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Amy.","start":2527.88,"end":2529.64,"sentiment":"positive","sentiment_score":0.8083821733792623}],"sentiment":"positive","sentiment_score":0.7872947237708352,"channel":0,"num_words":11,"start":2527.0,"end":2529.64},{"sentences":[{"text":"Thank","start":2529.573,"end":2529.9731,"sentiment":"positive","sentiment_score":0.8394927978515625}],"sentiment":"positive","sentiment_score":0.8394927978515625,"channel":1,"num_words":1,"start":2529.573,"end":2529.9731},{"sentences":[{"text":"I really","start":2529.64,"end":2530.04,"sentiment":"positive","sentiment_score":0.8705702424049377}],"sentiment":"positive","sentiment_score":0.8705702424049377,"channel":0,"num_words":2,"start":2529.64,"end":2530.04},{"sentences":[{"text":"you.","start":2529.9731,"end":2530.4731,"sentiment":"positive","sentiment_score":0.7734810709953308}],"sentiment":"positive","sentiment_score":0.7734810709953308,"channel":1,"num_words":1,"start":2529.9731,"end":2530.4731},{"sentences":[{"text":"appreciate 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a new home. They discuss retirement goals, income and expenses, retirement age, and debt status. The agent provides information on retirement plans and suggests considering retirement age and expenses for their new job. The speaker emphasizes the importance of staying safe and staying on top of things, including a recommendation for a high growth portfolio and performance reports. The speaker also discusses various financial documents and offers to follow up with the customer after updating their financial information."},"intents":{"segments":[{"text":"And just so that I can confirm I'm speaking with the correct person, can you confirm your full name, date of birth, and address, please? 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Is it a little nest Yeah.","start_word":1289,"end_word":1330,"intents":[{"intent":"Clarify purpose of the conversation","confidence_score":0.0009057261}]},{"text":"I Is just I because I didn't I haven't had any money from my parents, so just knowing that that could be really helpful if that could happen for her in the future, just considering, yeah.","start_word":1345,"end_word":1380,"intents":[{"intent":"Discuss potential future assistance","confidence_score":1.1070216e-7}]},{"text":"kind of age would you think that you would like her to access it or have access to it? 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So is it something that you want to look at reviewing your life PPD income protection at this point in time?","start_word":2114,"end_word":2169,"intents":[{"intent":"Review income protection","confidence_score":0.66552293}]},{"text":"your goals and objectives, are there any new ones that you need to you want me to look at and see if we can assist in it? Yep.","start_word":2279,"end_word":2306,"intents":[{"intent":"Assist with goals and objectives","confidence_score":0.2052672}]},{"text":"Is there in it might be worth discussing with them about relocation support? Oh, And yeah.","start_word":2561,"end_word":2576,"intents":[{"intent":"Assist with relocation and relocation support","confidence_score":0.00094085414}]},{"text":"can also help you with the logistics of it and Yeah.","start_word":2654,"end_word":2664,"intents":[{"intent":"Reach out to logistic support","confidence_score":0.007951832}]},{"text":"So what I'm going to do, you may do you have access to your emails at the moment? Kind of.","start_word":2734,"end_word":2753,"intents":[{"intent":"Reporting access to emails","confidence_score":0.00032157075}]},{"text":"then we have your insurances below with MetLife. So they're sitting at $262,500 each for life and PPD, and Yep. income protection at $2,245 a month with a 60 Yep. day waiting period and a five year benefit period. Yep.","start_word":2932,"end_word":2971,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.031354055}]},{"text":"that they are kind of the things we look at when we, assess your needs for levels of cover, particularly Yes.","start_word":3074,"end_word":3094,"intents":[{"intent":"Assess needs","confidence_score":0.0626269}]},{"text":"Just flagging this with you as if this is something that you wanted to look at increasing or if you're happy to leave it as is. I think I'm happy to leave it for now. Yep. 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Mhmm.","start_word":3455,"end_word":3494,"intents":[{"intent":"Clarify coverage","confidence_score":0.0019113773},{"intent":"Explain treatment options","confidence_score":0.040015303}]},{"text":"The reason why it's tax free is because it's paid from your personal tax personal cash flow, so you cannot fund it from superannuation. Okay.","start_word":3635,"end_word":3659,"intents":[{"intent":"Explain tax deductible coverage","confidence_score":0.000025793564}]},{"text":"So, I mean, it I mean, given your age, it it you're probably in the relatively cheaper side of it. 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Mhmm.","start_word":3949,"end_word":3960,"intents":[{"intent":"Review performance report","confidence_score":0.3612644}]},{"text":"The rest of your portfolio performed extremely well.","start_word":4023,"end_word":4030,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.50358295}]},{"text":"I'd like For to sure. look into other options. 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I think I am.","start_word":4913,"end_word":4968,"intents":[{"intent":"Assess risk tolerance","confidence_score":0.04218162}]},{"text":"So it's from MetLife, and it just explains what your covers are, the annual premiums, and that it is funded through your superannuation funds. Yep.","start_word":5095,"end_word":5119,"intents":[{"intent":"Explain insurance coverage","confidence_score":0.084165424}]},{"text":"that's why we can look at if cash flow allows adding a little bit extra into super to help minimize those that impact. Yep.","start_word":5133,"end_word":5156,"intents":[{"intent":"Check cash flow","confidence_score":0.00088903966}]},{"text":"I can make a note of that and see what we can do there.","start_word":5211,"end_word":5224,"intents":[{"intent":"Make note of document","confidence_score":0.0013363515}]},{"text":"And the next document along is our financial services guide. Yep.","start_word":5332,"end_word":5342,"intents":[{"intent":"Update client on document","confidence_score":0.00045658037}]},{"text":"And then a little bit about who we are, what services we provide, and how we provide the advice fees. And if you're unhappy, avenues you can pursue to make a complaint. Yes. Cool.","start_word":5374,"end_word":5407,"intents":[{"intent":"Provide advice about fees","confidence_score":0.00020007779}]},{"text":"Consent to new ongoing fee arrangement? Okay. Yep.","start_word":5459,"end_word":5466,"intents":[{"intent":"Explain fee arrangement","confidence_score":0.30371475}]},{"text":"So that what that is is that we ask you if you're happy to continue as a client of Oakview Financial to sign this Yep. form and return it to us. So Yep.","start_word":5469,"end_word":5501,"intents":[{"intent":"Request sign","confidence_score":0.034809854}]},{"text":"And, again, with your so it covers your services. So if you have any all the advice that we're providing you with, so if you have any concerns, questions, or you think you need to seek some advice, you're not limited to one in your review a year. Just reach out to us whether it be via email or pick up the phone, and Yeah. we're here for you. That's what that Perfect. speaks up. Cool.","start_word":5589,"end_word":5664,"intents":[{"intent":"Provide guidance","confidence_score":0.17006245},{"intent":"Offer assistance","confidence_score":0.17554958}]},{"text":"speaks up. Cool.","start_word":5662,"end_word":5664,"intents":[{"intent":"Confirm identity","confidence_score":0.035376836}]},{"text":"No worries. Sorry.","start_word":5771,"end_word":5773,"intents":[{"intent":"End conversation","confidence_score":0.04666208}]}]},"sentiments":{"segments":[{"text":"Hello. Amy speaking. Hi, Amy. This is Jenna here from Oakview Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.15370914340019226},{"text":"Good. How are you going? I'm well. Thank you.","start_word":16,"end_word":24,"sentiment":"positive","sentiment_score":0.4391438066959381},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. No worries.","start_word":25,"end_word":53,"sentiment":"neutral","sentiment_score":0.05343286693096161},{"text":"Beautiful.","start_word":54,"end_word":54,"sentiment":"positive","sentiment_score":0.4741213917732239},{"text":"And just so that I can confirm I'm speaking with the correct person, can you confirm your full name, date of birth, and address, please? Yep. It's Amy Leaflux. Date of birth is the 10/13/1989. And my address is Unit 4898 Nicholson Street in Fitzroy North.","start_word":55,"end_word":100,"sentiment":"neutral","sentiment_score":0.07076022028923035},{"text":"Perfect. We have your annual review booked in. Just confirming that now is still a good time.","start_word":101,"end_word":117,"sentiment":"positive","sentiment_score":0.602658212184906},{"text":"Yeah. All good. I just need to spot my coworker to tell them I'm popping up, but I don't know where they are so they can just deal with it, I think. Well, I'll try and not take up too much of your time. No. That's okay. Let me also get out of the wind. I work in a garden, so Yep. Absolutely I just gotta find somewhere that's not so windy, a little bit more quiet, but that's all good. fine. Absolutely fine. How's your date been otherwise? It's been good. Thank you. What about yours? Yeah. Not too bad. Early start.","start_word":118,"end_word":220,"sentiment":"neutral","sentiment_score":0.02216167561709881},{"text":"It was a beautiful morning.","start_word":221,"end_word":225,"sentiment":"positive","sentiment_score":0.34875017404556274},{"text":"Now it's really windy, so we'll see how the day pans out. Does an early start mean an early finish? Yeah. But then I just gotta go get my daughter straight away. So it's like, Yep. meh, whatever. It's one job Clocking to another, for the second isn't it? shift. Yeah. Exactly. Yeah. Alright. I think I'm in a quieter spot now. Sorry Fantastic. about that.","start_word":226,"end_word":291,"sentiment":"neutral","sentiment_score":0.009814204648137093},{"text":"Thank you. You're absolutely fine.","start_word":292,"end_word":296,"sentiment":"positive","sentiment_score":0.41460058093070984},{"text":"What I'd like to start doing, first of all, is just running through the information we have on file to make sure that it's up to date and current in Yep. regards to your personal and financial situation. Yep. Sure. So I have you listed here as a de facto. Is that still the case? Yes. Yeah. Do you have I know that you said you gotta go pick your daughter up. What Mhmm. is her name? Her name's Mila. How do I spell S s m I that? l a. Okay. Just I thought I should always check. And what's her date of birth? Oh, The 04/23/2022.","start_word":297,"end_word":404,"sentiment":"neutral","sentiment_score":0.04576303197622851},{"text":"Lovely.","start_word":405,"end_word":405,"sentiment":"positive","sentiment_score":0.37080228328704834},{"text":"Getting close to starting school. I know.","start_word":406,"end_word":412,"sentiment":"neutral","sentiment_score":0.08032809942960739},{"text":"It's so scary.","start_word":413,"end_word":415,"sentiment":"negative","sentiment_score":-0.35452336072921753},{"text":"It I'm is. not ready It to is. I'm like, no. My baby. Yeah. It is it is scary. And I've got your spouse's name down as tie Tyrone or Tyrone is Just Tyrone, bravo. Tyrone? Yes. Bravo.","start_word":416,"end_word":453,"sentiment":"neutral","sentiment_score":-0.11230145394802094},{"text":"Beautiful.","start_word":454,"end_word":454,"sentiment":"positive","sentiment_score":0.4177483916282654},{"text":"And do you have a contact number for him as we've got him listed as your next of kin, Yeah. but we just don't have a phone number for him. It is I've got my brain. Okay. It's 0420 Yes? oh, I can't wait. Hold on. Let me look it up because I get the last three swapped around all the time. One second. Sorry. No. Please and apologize. It's absolutely fine. Oops. Hold on a second. Oh, my phone. Hold on. Where is he? It's 0420536145. 536145. Beautiful. That's it. With your occupation, we have you as a nursery supervisor. Has that changed? And that's Yep. Okay. And your employer name we had is. Has that changed? That has actually changed. So I'm with Yes. Citywide Service Solutions now. Okay. Yeah. Yep. And how many years have you been in the nursery supervisor position? Altogether, like, eight years, but with citywide, when did they take over? Probably two years. Yep. Okay. Yeah. That's fine. And are you still working full time? I'm doing full time in four days. Yep. That's Yeah. fine. So still thirty eight hours? Yeah. Yep. Okay. Alright. And we have your income down as 51,000. Is that correct? Yeah. That sounds about right. Yep. And your expenditure at $550 a week Yes. and savings of $50 a week? Yeah. Yep.","start_word":455,"end_word":679,"sentiment":"neutral","sentiment_score":0.010510625077618492},{"text":"Beautiful.","start_word":680,"end_word":680,"sentiment":"positive","sentiment_score":0.3827374279499054},{"text":"And does your employer pay any more than the 12% standard, or it's just that? No. It's all standard. Yeah. Yep. Beautiful. Do you make any additional contributions to? No. But I should. No. We can talk about that. And do you have an EBA agreement with your employer or anything? No. We don't. Okay. Beautiful. With the assets and liabilities, Mhmm. we had a study debt of 7,500. Is that still correct, or is it reduced? It's closer to 6,000 now. Yep. Yeah. It's just coming out Beautiful. of my pay each week kind of thing, Yeah. so kind Yep. of ignoring it. Yep. I feel you. And a personal loan of 2,500. We don't have that anymore. Beautiful. And a savings account with 18,000. That is significantly lower. That's about Yep. 5,000 at the moment. Okay. Fantastic. Any other assets or debts that may have you may have had since your last review? No? No. Okay. Fantastic. Alright. Are you still a nonsmoker? Yep. Yep. Any significant health issues or injuries can still last review? We had a back issue due to pregnancy. I did break my foot at Christmas time, but Yep. that's better now, and it's all fine. So why is the why?","start_word":681,"end_word":887,"sentiment":"neutral","sentiment_score":0.011115550063550472},{"text":"That's not a nice way to spend your Christmas break. It was not great.","start_word":888,"end_word":901,"sentiment":"negative","sentiment_score":-0.6154475808143616},{"text":"I just stepped off a gutter wrong, you know, one of those Yeah. ones and went, oh, Yep. no. Bring a chunky Oh, sandal. no. Never again. No. Okay. That's fine. And just with your estate planning, do you have a will or power of attorney in place? I don't. No. No. Okay. Okay. And are you a tax resident of any other country? No. No. Just I just wanna revisit your goals and objectives that you had last time we met to Mhmm. see if it's still current or if there's anything else we need to include. Yep. You in the short term, you said yourself and Tyron are considering moving to Queensland, whether it be in Queensland or in Melbourne, you wanna purchase a new home soon, Yep. and you're interested in how we can help you save for the house deposit through the first homeowners Yeah.","start_word":902,"end_word":1050,"sentiment":"neutral","sentiment_score":0.02898588996605585},{"text":"super So scheme.","start_word":1051,"end_word":1053,"sentiment":"positive","sentiment_score":0.34933674335479736},{"text":"we probably will be moving in January because I think my Yep. husband's got a bit of a Sophie's Choice two jobs to choose from. Yep. So but the current timeline is moving in January. Okay. And do you think you will be looking to purchase, or where will you be moving? Probably the Sunshine Coast, but I don't think we'll be able to buy straight away. Yep. Just yeah. Okay. Okay. Alright. So we can leave that in there as a go. Mhmm. Would that be what time frame do you think you'd look at buying? Would it be a couple of years? Couple of years from when we get up there, probably two to five. Yep. Okay.","start_word":1054,"end_word":1172,"sentiment":"neutral","sentiment_score":0.04867186024785042},{"text":"Alright. Beautiful. I've updated that.","start_word":1173,"end_word":1177,"sentiment":"positive","sentiment_score":0.5080004930496216},{"text":"Another one of your goals is in retirement, you'd like to be debt free and have purchased and paid off your home, which you do have significant time for. Yep. You're also interested in setting up a legacy for your children and having additional investments that can pay your way through your retirement. Yeah. Mhmm. Probably to break that down just a little bit further, Mhmm. the legacy and investments for your children, is that something separate to having additional investments that you can pay to supplement your time and income when Yeah. I think so. when that comes. Just Yep. for a little a little something for her. Yep. Okay. Is it have you thought about what the purpose of it is for sorry. Total blank then. For Mila, have you thought about what the what the purpose of it is? Is it is it education? Is it a little nest Yeah. Just a, like, a little nest egg for her. egg? Yep. Yeah. Mhmm. Yeah. I Is just I because I didn't I haven't had any money from my parents, so just knowing that that could be really helpful if that could happen for her in the future, just considering, yeah. you know, knowing what it's like to be like, oh, shit. Got Yes. I got a bill. Yep. Yeah. Yeah. So So just like a little the there's definitely things we can look at. What yeah. kind of age would you think that you would like her to access it or have access to it? Probably, like, 25. I feel like it's Yeah.","start_word":1178,"end_word":1443,"sentiment":"neutral","sentiment_score":0.08797195094420497},{"text":"A good age.","start_word":1444,"end_word":1446,"sentiment":"positive","sentiment_score":0.3770943880081177},{"text":"smart. Yeah. And is there a certain amount that you wanted available at 25 for her? I haven't Or really thought that far ahead. Yeah. It's sort of just like anything to help kinda thing, but I Yep. haven't got a, like, a number amount on it. Okay. From a cash flow perspective, I guess, what would be an amount that you could contribute to it, whether it be weekly, fortnightly, monthly? And we can look at some figures as to what that looks like for you. Yeah. I think probably, like, $50 a fortnight to begin with Yeah. just to keep it, like you know, that adds up quite quickly if you if it Yes. just disappears without you seeing it anyway. Exactly. Yeah.","start_word":1447,"end_word":1571,"sentiment":"neutral","sentiment_score":0.02728111669421196},{"text":"Alright. Fantastic.","start_word":1572,"end_word":1573,"sentiment":"positive","sentiment_score":0.5361327528953552},{"text":"And then looking at additional ways that you can fund your retirement when you get there, that would probably look depend on your retirement age Yeah. and your the status of the debt on your home at the time. Yeah. What is your ideal retirement age? I guess my parents both just retired. They're 65. Yep. So I guess that would be, like, you know, late ish but reasonable, I think. Yep. Just imagining working when you're 70 years old seems a bit grim, but It does, doesn't it? the way of the world's a little bit at the moment, isn't it?","start_word":1574,"end_word":1675,"sentiment":"neutral","sentiment_score":0.01664901619740561},{"text":"It it's it it is a bit deflating where the world Yeah.","start_word":1676,"end_word":1687,"sentiment":"negative","sentiment_score":-0.42567601799964905},{"text":"is at the moment. In retirement, if you're debt free, how much do you think you would need per week, per fortnight to live? I don't know. It's so hard to imagine because of all the Mhmm. inflation and things at the moment. But, Mhmm. ideally, like, if everything's paid off and things like a thousand dollars a fortnight, Sorry. A thousand dollars a week for like, I'm thinking about me and my husband as well. Yep. Is that for It's both? like yeah. I think so. Yep. Yep.","start_word":1688,"end_word":1776,"sentiment":"neutral","sentiment_score":-0.060318343341350555},{"text":"Beautiful. That's fine.","start_word":1777,"end_word":1779,"sentiment":"positive","sentiment_score":0.5225581526756287},{"text":"Because what we can do is when we do project that and see what we need to do to get you there, we do take into consideration inflation. And, you know, that 1,000 today might actually be worth 2,000 by Yeah. the time you retire. So we do take that into consideration.","start_word":1780,"end_word":1831,"sentiment":"neutral","sentiment_score":0.2557053565979004},{"text":"So it's just a starting point for us to kinda Yeah. look at your full holistic financial situation and how we're gonna help you get there.","start_word":1832,"end_word":1857,"sentiment":"positive","sentiment_score":0.4559247493743897},{"text":"Yeah. For sure.","start_word":1858,"end_word":1860,"sentiment":"neutral","sentiment_score":0.20718982815742493},{"text":"The other goal was that you wanna be able to keep track of your super a lot more and not just be winging it, and you wanna Yep. have the best options available to you.","start_word":1861,"end_word":1895,"sentiment":"positive","sentiment_score":0.362434059381485},{"text":"Yep. How are you feeling with your Hub twenty four Fine in terms of, like, I get emails and information from them in that way. But every single time I go to log in, I have to do all the password account?","start_word":1896,"end_word":1937,"sentiment":"neutral","sentiment_score":-0.02939623221755028},{"text":"changing, email checking, verification kind of stuff. It drives me crazy.","start_word":1938,"end_word":1948,"sentiment":"negative","sentiment_score":-0.4132559299468994},{"text":"So that puts me off from checking it more often, which is not great, but, like, it's just like, you know, when you got ten minutes to do something Yep. and Yes.","start_word":1949,"end_word":1980,"sentiment":"neutral","sentiment_score":-0.26362746953964233},{"text":"it doesn't I work understand.","start_word":1981,"end_word":1985,"sentiment":"negative","sentiment_score":-0.36275714635849},{"text":"straight away, I'm like, oh my god. Well, So what I might do I'm not sure how that works. So what I can do is get one of my colleagues to help with that potentially. It might be as simple as we maybe can set up a two factor where it just automatically goes in. yeah. So let me make a note Yeah. of I know that's such a, like, that.","start_word":1986,"end_word":2056,"sentiment":"neutral","sentiment_score":-0.024542918507481963},{"text":"lazy computer person's thing.","start_word":2057,"end_word":2060,"sentiment":"negative","sentiment_score":-0.4037936329841614},{"text":"I'm just like, oh No.","start_word":2061,"end_word":2065,"sentiment":"neutral","sentiment_score":-0.2822558879852295},{"text":"god. I I get can't it. be bothered.","start_word":2066,"end_word":2073,"sentiment":"negative","sentiment_score":-0.4894111752510071},{"text":"I toss I've the phone got across two the room. I've got two factor ever across my whole entire platform of work, and it drives me crazy as well. So I completely understand exactly where you're coming from. Okay. Good.","start_word":2074,"end_word":2113,"sentiment":"neutral","sentiment_score":-0.2422848790884018},{"text":"The last goal was, in the longer term, you're interested in getting better value for money for your life, keeping the income protection.","start_word":2114,"end_word":2136,"sentiment":"positive","sentiment_score":0.39274024963378906},{"text":"Mhmm. However, at the time, you hadn't finished maternity leave yet. Yep. So is it something that you want to look at reviewing your life PPD income protection at this point in time? Potentially, it's sort of, you know, when you're in the routine of just getting up, going to work kind of thing, you don't really think about it. Because it seems to just be fine at the moment, Mhmm. but Set and it might be worth having a look at kind of thing, just reviewing it just to make sure that I actually do know what's forget. Yeah. included or whatever. Yep. Yeah. Alright. Alright. I'm going to touch on that shortly when we go through our review and get a little just go a little bit deeper with it and Yeah. ask a little bit more questions. With Yeah. your goals and objectives, are there any new ones that you need to you want me to look at and see if we can assist in it? Yep. Well, I think we've we've been discussing getting a second car because right now we're in Melbourne, and that's fine because there's public transport galore. But when Yep. we move, we'll need a second car. Yeah. So Okay. that's something that we're got in the back of our minds as well. Okay. Yeah. Okay. And with your in in funding that, would you would you take out a I think so. loan? Probably Yep. my yeah. My husband and I would do that together, not just as Yep. a single person. Yeah. Yeah. Well, I can put you in contact with a professional partner that we do work with if you like Mhmm. to help you look at that. Yeah. Okay. Yeah? I can arrange for that. Anything else that you would like to you think you may need advice on or that we could help you with? No. I think that's good. Mhmm. Unless there's somebody who can just with moving costs and interstate moving. I don't know if that is something that somebody can advise me on because it's sort of in my mind as well that we're gonna have to need to, I don't know, move and find somewhere. I don't know where to start, basically. It's it's I a don't big know if it's that's a big adjustment. Professional partner wise, I don't think we have anything. We won't have anyone that can assist with that. But with mhmm. your husband's potential new role, you mentioned he has two opportunities. Is there in it might be worth discussing with them about relocation support? Oh, And yeah. That's true. because a lot a lot of them these days do assist with that in relation to those relocation expenses. Yep. So Yeah. I'd Okay. probably look at that as your first point of call, and Yeah. they would be able to if they're unable I mean, if they are able to offer the financial support of that, then they might be able to also point you in the direction of someone that can Yeah.","start_word":2137,"end_word":2652,"sentiment":"neutral","sentiment_score":0.012758976538925496},{"text":"Cool. can also help you with the logistics of it and Yeah. That's a good all tip.","start_word":2653,"end_word":2669,"sentiment":"positive","sentiment_score":0.41926151514053345},{"text":"all I'm that just, like, sort spiraling of stuff. around in my brain. I'm Yeah. Yeah. So once you've made a like, decision, I think wow. reach out to them. Yeah.","start_word":2670,"end_word":2700,"sentiment":"neutral","sentiment_score":0.1986825317144394},{"text":"Cool. And, yeah, Good a lot of tip. them do. Thank you.","start_word":2701,"end_word":2712,"sentiment":"positive","sentiment_score":0.5948156267404556},{"text":"No. That's okay. No. I've seen it a few times, so it it helps just to have your options open. Yeah. So what I'm going to do, you may do you have access to your emails at the moment? Kind of. I'm just I've only got my phone today, so Yeah. I can Nope.","start_word":2713,"end_word":2766,"sentiment":"neutral","sentiment_score":0.013787598349153996},{"text":"That's scramble okay.","start_word":2767,"end_word":2769,"sentiment":"negative","sentiment_score":-0.38689324259758},{"text":"around there. Alright. I've just sent you a review pack, and Mhmm. it will come through from OdooSign. That's just Yep. the platform that we use. So they're the doc contained in that email are the documents that we're gonna run through just now Yep. Yep. and complete your review and see how we go. Alright. I will just pop you on speaker, and I'll Yeah. sift No worries through and at find all. out school.","start_word":2770,"end_word":2845,"sentiment":"neutral","sentiment_score":0.10123244673013689},{"text":"Thank you.","start_word":2846,"end_word":2847,"sentiment":"positive","sentiment_score":0.36132848262786865},{"text":"Alright.","start_word":2848,"end_word":2848,"sentiment":"neutral","sentiment_score":0.3049054741859436},{"text":"Cool. Got it. Beautiful.","start_word":2849,"end_word":2852,"sentiment":"positive","sentiment_score":0.485558807849884},{"text":"So I think you need to click the sign button, and it's gonna take Yeah. us through all the documents. You don't you're not signing anything at the present moment. It's just gonna navigate us through the documents that are attached. Yep. So I'm hoping when you open it, the first document is a overview summary of superannuation insurance. Yep. Yep. So you'll see in the top, you've got your hub account. It's sitting Yep. at $92,209. And Yep. then we have your insurances below with MetLife. So they're sitting at $262,500 each for life and PPD, and Yep. income protection at $2,245 a month with a 60 Yep. day waiting period and a five year benefit period. Yep. Now what's the life insurance one of the questions I probably would pose to you, and it might be in Mhmm. And then, that would that be we need to think about along the lines of is there enough there, for him to, potentially take on someone that could provide additional care for Mila if he was to continue to work? Would he need to continue to work to meet the lifestyle and the expenses that you're you're accustomed that they're accustomed to? Schooling wise, what are the plans for Mila? Is it are you thinking private or public school? So Yeah. that they are kind of the things we look at when we, assess your needs for levels of cover, particularly Yes. when children are involved as, you know, they cost us a a fair bit. Yeah. Yes. I do. So I don't know if you have any thoughts about that yourself because I can go away and run some figures and and have a look at some things. Yep. I don't really know. I think it would probably Yep. be fine because, yeah, he's the he's the money maker in in our pair. Yeah. So I think that would be fine. Yeah. Okay. So you don't think that there'd be any if you don't mind me asking, do you know what his income is? About 160 k a year, Yeah. and he's probably getting a pay rise with a new job. Okay. So Okay.","start_word":2853,"end_word":3217,"sentiment":"neutral","sentiment_score":0.03843749482950119},{"text":"Fantastic. yeah.","start_word":3218,"end_word":3219,"sentiment":"positive","sentiment_score":0.4821870028972626},{"text":"Do you think there were that you would want any funds available for them to purchase a house or just that amount is I mean, yes. But yeah. I think that's probably alright. fine? Yeah. Okay. Yeah. I won't be a I'm just making some notes as we go. Yep. So with your income protection, I'm just gonna do a quick calculation. $297.05. You're a little bit based on 51,000 a year, you're a little bit shy, some insured, of having your 77 70% of your income insured. So you fall Mhmm. shy about $500. So, potentially, your sum insured for income protection could be as high as $2,975 a month. Okay. Yeah. Just flagging this with you as if this is something that you wanted to look at increasing or if you're happy to leave it as is.","start_word":3220,"end_word":3358,"sentiment":"neutral","sentiment_score":0.011515785839489038},{"text":"I think I'm happy to leave it for now.","start_word":3359,"end_word":3367,"sentiment":"positive","sentiment_score":0.4755296409130096},{"text":"Yep. Yeah. Yep. Yep. And you're and you're comfortable with the sixty day waiting period? Yeah. Yeah. And you understand what that means? Yes. Yeah.","start_word":3368,"end_word":3392,"sentiment":"neutral","sentiment_score":0.15102404356002808},{"text":"Beautiful.","start_word":3393,"end_word":3393,"sentiment":"positive","sentiment_score":0.4944923222064972},{"text":"Okay. The only other thing that I did wanna flag with you is part of a risk protection Yep. portfolio is something called trauma insurance, and you don't Mhmm. presently have that. Has Yep. that been discussed with you in the past? I don't think so. No? Okay. So what I'll do is I'll give you a very brief rundown. Yep. Trauma insurance covers when you are diagnosed with a specific condition. So in a trauma policy, it's generally 40 plus different conditions, and Yeah. they range from different types of cancer to stroke to heart attack, neurological issues, etcetera. Mhmm. And what that is is it's a lump sum payment tax free to the individual. And, typically, what we would cover in a how we would work out a recommended level of cover would a an amount to look at out of pocket medical expenses Yeah. and to generally cover if there's any debt, pay out some debt to take the pressure off the family, and, Mhmm. additionally, a recuperation period. Because, typically, what what we do see is that a trauma claim doesn't necessarily mean it's a terminal situation. It means that you're getting treatment, and in most cases, you will return to the workforce. So it's just designed to take that pressure off the family Yeah. when you're going through the treatment of a potential Whatever it is. Yeah. health issue. Yeah. The issue well, not the issue. The reason why it's tax free is because it's paid from your personal tax personal cash flow, so you cannot fund it from superannuation. Okay. So, I mean, it I mean, given your age, it it you're probably in the relatively cheaper side of it. Yes. Yeah. However, it's probably important for you to look at as well being a woman. There are a lot of lot of things that can happen to us in this age bracket. And, yeah, I I always feel like it's better to be safe than sorry. You can have a look at it and make a decision that way. Yes. But Yeah. if it's okay with you, I really would like to have a look at some level of trauma for Yeah. Sure. That you. actually sounds Yeah. good because we have a friend who was diagnosed with leukemia, and he had to stop working for ages. And it Yep. was really rough on him, and he didn't have any of that sort of stuff. Yeah. Yeah. And So a lot of the a lot of the time, the income protection, you've got a sixty day waiting period, which is ninety days essentially from your first payment. That's three Yes. months without an income. But, additionally, unfortunately, just because you're undergoing treatment, it doesn't mean that you're unable to work, and Yeah. that's the problem with the income protection. I had a friend who had breast cancer a couple years ago. So and I saw her. Like, her recovery period was about six weeks after her mastectomy, and then Yeah. she was fine to go back to work while doing other treatments. So Yeah. I kind of it's Yeah.","start_word":3394,"end_word":3919,"sentiment":"neutral","sentiment_score":-0.05386841589825745},{"text":"it's not it's not great.","start_word":3920,"end_word":3924,"sentiment":"negative","sentiment_score":-0.35196056962013245},{"text":"No. Okay. So I might if that's okay with you, I'd like to have a look at look at that. Yeah. Sure. Alright.","start_word":3925,"end_word":3947,"sentiment":"neutral","sentiment_score":-0.03497244790196419},{"text":"Fantastic.","start_word":3948,"end_word":3948,"sentiment":"positive","sentiment_score":0.4328381419181824},{"text":"The next document in your pack should be a performance report. Mhmm. Is Yep. it a twelve month one? Is it go from September 25 to August or Yes. August 31? Beautiful. Yep. Okay. So I'm gonna start with the bad news first. The bad news is you'll see that that fund at the very top and along Australian equities funds. It Yep.","start_word":3949,"end_word":4011,"sentiment":"neutral","sentiment_score":-0.03205772861838341},{"text":"experienced quite a significant negative return in that twelve month period.","start_word":4012,"end_word":4022,"sentiment":"negative","sentiment_score":-0.41629594564437866},{"text":"The rest of your portfolio performed extremely well. Yep. Yeah. However, given your exposure to that Benelon Australian equities fund where the vast majority of your funds are invested, Yeah. well, at least, I guess, maybe as a as a quarter of it, Yeah.","start_word":4023,"end_word":4066,"sentiment":"neutral","sentiment_score":0.12266498939557507},{"text":"it did have an impact in your overall and your return.","start_word":4067,"end_word":4077,"sentiment":"positive","sentiment_score":0.3795788288116455},{"text":"Yeah. The Bennelong Fund itself underperformed not due to the Australian market underperforming, but more to the investment manager's mandate. So their mandate is to identify a strained company that they believe are undervalued for opportunities of growth. Unfortunately, Yep. the last twelve months, the banks and or the the blue the blue color, not blue color. Sorry. The a word that escaped me. The top ASX two hundred funds have performed significantly Yep. better.","start_word":4078,"end_word":4152,"sentiment":"neutral","sentiment_score":-0.019581645727157593},{"text":"So, unfortunately, it's just that their mandate has not hit the mark.","start_word":4153,"end_word":4164,"sentiment":"negative","sentiment_score":-0.3791569471359253},{"text":"So our investment committee has reviewed it, and we're no longer comfortable withholding that in Yep. the portfolio as they're they are continuing with their mandate. And what we Yeah. wanna do is look at opportunities available that can continue to help meet your goals and objectives that may Yeah. be an alternative for Benelon. So, again, if you're happy for me to do that, Yes. I'd like For to sure. look into other options. Yep. Yep. And That's with fine.","start_word":4165,"end_word":4245,"sentiment":"neutral","sentiment_score":0.00663553923368454},{"text":"the rest of your beautiful. And with the rest of your portfolio, you've got a really good allocation to significant satellite areas.","start_word":4246,"end_word":4267,"sentiment":"positive","sentiment_score":0.41263821721076965},{"text":"So they're more niche niche sectors, I guess, you'd call it. So you've got some global agriculture, some global cyber Yeah. tech, some battery tech and lithium, Yeah. and you've also got America, Asia, and Europe with some health global health and just some diversified conservative funds to allow for a bit of a defensive option in your portfolio. Yep. So, unfortunately, the last twelve months, your account did only return gross oh, sorry, net of fees, 1.26%, which is well Yep. below where we want it. Yep. And the next document is another performance report showing six months to the August 31, which does show a lesser loss of Benelon, Yep. but a six month return of 5.02. So the the the portfolio itself is recovering, but we're sticking to our conviction in relation to replacing looking at alternatives to replace Benelong just due to the consistent underperformance. Yeah. The next document along is the 2026 Vanguard index chart. Mhmm. Now what I I like to use this for is if on the right hand side of the column, if you look at the top four being US shares, Australian shares, international, and Australian listed properties, Yep. they're your gross assets. So you hold growth assets within your portfolio, Mhmm. and the the next two down Australian bonds and cash are your defensive assets. Yep. So your portfolio at the moment is made up of about 87 and a half percent to those top four, your growth assets, and 12.5% to your defensive assets, which are the bottom Yes. two. You you have identified as a high growth investor, which we see sitting around a 90 to 10% allocation, so 19% of of your funds in growth and 10% in incentive. Yep. A minimum time frame for that investment is always eight years. So given Yes. your superannuation isn't accessible for at least twenty four more years, I feel that your high growth risk profile is is sufficient. But Mhmm. the what I need to probably confirm with you is is that is that are you comfortable with that? Because with a high growth portfolio, what we do typically expect is one in every five years, you're gonna have a negative Yeah. return. Typically, in a high growth portfolio, we'd see a return of eight to 10%, and that's usually grosser fees. That's not net of fees. Yes. So it's more so so if you can if you look at the Vanguard chart, for example, and you see those top four and the volatility that it's those those assets do experience as opposed to the more Mhmm. defensive assets listed below, Yes. It's really your comfort level as to whether you are prepared to experience that volatility with about 90% of your funds over the long term. So you will see that there's dips, and Yeah. you will see recoveries. Yeah. So It's it's sort more of like about a just it just kinda goes on the trend yeah. kind of, but it's still Yep. growing. Yeah. Yeah. Yep. So what you'll see along the top, the other thing I like about the Vanguard index chart is along the top, you've got little black events Ah, yes. that are Things noted. would have happened. So Crazy stuff. yes. Yeah. And you'll see how the market's reacted in those events. Yeah. And, like, the the perfect one is the COVID nineteen outbreak. The whole market essentially lost its Yeah. mind. Yeah. But you will see also that it does recover. So and that's why we always say over an eight year like, for a high growth asset allocation, you want it for a minimum of eight years because it does sometimes some of the assets can take a longer period to recover. But as Yes.","start_word":4268,"end_word":4902,"sentiment":"neutral","sentiment_score":0.039917831920732665},{"text":"long as you're comfortable with that, that's okay. So Yes.","start_word":4903,"end_word":4912,"sentiment":"positive","sentiment_score":0.34725692868232727},{"text":"to confirm I mean, I can confirm that with you if you're happy and comfortable with it, or what what we can do is complete a little questionnaire, which gives me an idea of your your risk tolerance to see if you are still comfortable to sit in that high growth bracket.","start_word":4913,"end_word":4964,"sentiment":"neutral","sentiment_score":0.24867334961891177},{"text":"I think I am. I feel like it's all, you know, ebbs and flows of everything. It seems to be fine in my eyes.","start_word":4965,"end_word":4988,"sentiment":"positive","sentiment_score":0.4021970331668854},{"text":"Yeah. Yeah. Yeah. Yep. And we we the purpose of that and your reviews is always to make sure that we're staying on top of things. If there's anything that needs changing, we identify it, we discuss it, we get your approval, and we go ahead and conduct that research to get it Yeah. done and Yeah. then meet with you. So I will add that to my list to keep as is that look at Yep. options in relation to your portfolio. Yep. The next document along is a certificate of currency, and this is, again, just referring back to your levels of cover. So it's from MetLife, and it just explains what your covers are, the annual premiums, and that it is funded through your superannuation funds. Yep. So your fund is impacted by the reduction of the insurance premium. So Mhmm. that's why we can look at if cash flow allows adding a little bit extra into super to help minimize those that impact. Yep. Do you have any surplus cash flow that you would consider investing into super? I wouldn't say it's a huge surplus, but, yeah, like, similar to what I said before, like, $50 disappears Yep. so quickly on nothing. So, like, Yep. you know So $50 a fortnight kinda thing? yeah. Yeah. Yeah. Yep. Okay. I can make a note of that and see what we can do there. The other thing I had with your insurance policies is that we've got Tyrone nominated as your beneficiary, but it's a nonbinding Yes. beneficiary, which means the trustees basically have discretion. He's your spouse. I mean, there's really no other financial dependent besides Mila, which it Yeah. wouldn't be paid to. But what we can do is look at changing that to a nonlapsing binding, which means that instead of having to renew it every three odd years, Yeah. it won't it won't lapse until Yeah. and it updating Yeah. Alright. Yeah. That sounds good. Yeah. Right. that.","start_word":4989,"end_word":5322,"sentiment":"neutral","sentiment_score":0.06779947997388726},{"text":"Beautiful.","start_word":5323,"end_word":5323,"sentiment":"positive","sentiment_score":0.447965145111084},{"text":"Yep. Update that. Yep.","start_word":5324,"end_word":5327,"sentiment":"neutral","sentiment_score":0.18804232776165009},{"text":"Cool. Thank you. Beautiful.","start_word":5328,"end_word":5331,"sentiment":"positive","sentiment_score":0.5015438795089722},{"text":"And the next document along is our financial services guide. Yep. This just explains to you a little bit about who we are. Mhmm. Met some members of the team, which needs updating. I'm not in there just yet. Read. I know. And then a little bit about who we are, what services we provide, and how we provide the advice fees. And if you're unhappy, avenues you can pursue to make a complaint. Yes. Cool. So that's what that document is. And the last two are ones that do require your signature. So Yep. is it your tax file number is the next document? I think it's wait a second. Oh my god. My phone's doing something. Sorry. No. You're absolutely fine. What does it say? Consent to new ongoing fee arrangement? Okay. Yep. Okay.","start_word":5332,"end_word":5467,"sentiment":"neutral","sentiment_score":0.007538090857184108},{"text":"Beautiful.","start_word":5468,"end_word":5468,"sentiment":"positive","sentiment_score":0.5815514922142029},{"text":"So that what that is is that we ask you if you're happy to continue as a client of Oakview Financial to sign this Yep. form and return it to us. So Yep. the fee is based on a percentage, but what we have done as opposed to in the past is we have fixed it. So the the fee won't, let's call it, fluctuate with Yep. the market. It's set for twelve months, and Yep. the fit and that will give you clarity and guidance on that. So the fee is $1,597.52 per annum. That Yep. is deducted from your superannuation fund on a monthly basis. So that works Yep. out to be a $133.13 approximately per month. Yep. And, again, with your so it covers your services. So if you have any all the advice that we're providing you with, so if you have any concerns, questions, or you think you need to seek some advice, you're not limited to one in your review a year. Just reach out to us whether it be via email or pick up the phone, and Yeah. we're here for you.","start_word":5469,"end_word":5657,"sentiment":"neutral","sentiment_score":0.10874896496534348},{"text":"That's what that Perfect. speaks up. Cool. Thank you.","start_word":5658,"end_word":5666,"sentiment":"positive","sentiment_score":0.5057258009910583},{"text":"So if you're happy with that, Yep. I'd ask you to sign it and return it. And then the last document is just the basically, your confirmation that you're happy for us to hold your tax file number. So the reason Yep. we do hold it is for superannuation funds in your state in in your state in your circumstance so we can provide ensure that we're able to hold on record that we have your authority to have provided that to hub twenty four to excessively in your super funds. Yeah. So, again, we'd ask you to sign that if that's okay. Okay. No worries. Sorry. Just trying to use the phone. It's so small. There we go.","start_word":5667,"end_word":5785,"sentiment":"neutral","sentiment_score":0.1366662731660264},{"text":"Oh, happy first day of spring. Lovely. Oh, yeah. Nice.","start_word":5786,"end_word":5795,"sentiment":"positive","sentiment_score":0.5924058556556702},{"text":"Hopefully, There we some go.","start_word":5796,"end_word":5800,"sentiment":"neutral","sentiment_score":0.3128906786441803},{"text":"warmer weather comes our way.","start_word":5801,"end_word":5805,"sentiment":"positive","sentiment_score":0.34259384870529175},{"text":"Oh my god. I can't wait. I'm so bored of the cold. I Oh, know. I just put the wrong date in there. Hold on. Let me just oh, man. Computers.","start_word":5806,"end_word":5836,"sentiment":"neutral","sentiment_score":-0.15259423851966858},{"text":"Technology absolutely smokes me every time.","start_word":5837,"end_word":5842,"sentiment":"negative","sentiment_score":-0.4594268500804901},{"text":"Sorry. Yeah. It's it's something that we've learned that we can't live without, but it's it's a very, very it's the bane of the my existence Wow. someday. So crazy. Okay. Well, I think alright. I signed it, but I think I put August instead of September, which is annoying. That's okay. If there's any issues, I'll get my colleague reach Okay. out, but that should Sorry be about fine. No. That's okay. Do you after that. all that information download, do you have any questions for me? No. I think you guys are always really detailed in your info. Makes me actually think about my life in a good way Yep. and That's feel good. less scared That's about good. it, which is cool. Oh, that is good.","start_word":5843,"end_word":5971,"sentiment":"neutral","sentiment_score":-0.04269673675298691},{"text":"Good.","start_word":5972,"end_word":5972,"sentiment":"positive","sentiment_score":0.3443531394004822},{"text":"That's the with you know, our purpose is always to make sure that our clients sleep well at night. So if we're helping assist with that in one area of their lives and taking some pressure away, then we're doing our job. Yeah.","start_word":5973,"end_word":6015,"sentiment":"neutral","sentiment_score":0.27786996960639954},{"text":"Cool. We appreciate it. Thank you.","start_word":6016,"end_word":6021,"sentiment":"positive","sentiment_score":0.43611109256744385},{"text":"Thank you. And just last do you are you happy with your annual for real reviews to be annual, or would you like them more frequent? Maybe just with all the changes that are coming up with us. Maybe every six months is probably good. Yep. Okay. I can make a note of Yeah. I think that'll be good. that. And then I'll Alright. probably remember Beautiful. things better from the previous one as well. Too easy. What I'll also do is I am gonna conduct some research on the areas we've talked about today. Mhmm. Typically, that would take about two to three weeks. I'm Yep. gonna reach back out to you within that time frame to set up another time just to go through the changes that I've looked at. So Yep. Yeah. you can expect to hear from me again soon. Yeah. Sure. But, yeah, I just thought I'd flag that with you before we go any further. Yeah.","start_word":6022,"end_word":6183,"sentiment":"neutral","sentiment_score":0.08247646937767665},{"text":"Perfect. Easy. Alright. Lovely. Well, thanks so much for your time today, Amy. Thank I really you. appreciate it. Thank you very much. I hope you have a good day. You too. You too. Alright. Enjoy. Awesome. Take care. Bye.","start_word":6184,"end_word":6223,"sentiment":"positive","sentiment_score":0.7066720724105835},{"text":"You too. Bye bye. Bye.","start_word":6224,"end_word":6228,"sentiment":"neutral","sentiment_score":0.22880010306835177}],"average":{"sentiment":"neutral","sentiment_score":0.04476641553550198}}}}