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Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect. I'm sorry. Just your address as well. Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy. Yeah. Yeah. It's been pretty busy, but it's going really fast. So I can't really complain. Now, Benjamin, before I do kind of jump into the under review there with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up to see what's happened in the last twelve months. Yep. Perfect. So my what I might do then is just quickly go through a bit of an updated fact find with you first just to see if there's anything that's kind of major that has changed in in your life or if we need to make any changes through your advice. And then I'll kind of go through your portfolio and everything and see what's happened in the last twelve months. So just bear with me as I do go through your fax line here with you. Now when it comes to your personal information, I have you down here as separated with two financial dependents. Is that correct? Yep. Perfect. Now I don't have a next of kin on file for you. So in the event that we can't contact you, who is someone that we could contact? And that can be anybody. Yes. Yes. Perfect. Would you mind just providing me the name and contact number? Tony. Yep. And last last name? Baker. Perfect. And phone number, please? Four four double three. Yep. Three one eight. Yep. 791. Perfect. And just relationship to yourself as well. Perfect. Thank you very much. Now when it comes to employment information, has any of that changed in the last twelve months, or I'm still working as a yeah. I have project manager. No. It says within construction. Property service manager. Alright. I'll update that. Property service manager. Perfect. And is it still within which industry does would that be as well? Aged care. Perfect. And when did you start there? Okay. Perfect. And do you like it? Yeah. That's good. For working full time? Yes. Perfect. And about the standard thirty eight hours? Yes. Perfect. Now I have income at 115. Did that change with the occupation? 115. Yes. 1 1 5. What's that? Sorry. 140. Oh, perfect. A nice little increase. And do you get paid, like, bonuses or overtime or anything on top of it, or is that just, like, your space? Perfect. Now do you track your expenses at all? Like, would you know your total bills and expenses and if you save anything on a weekly basis? No. That's okay. Do you know if you save anything, like, on a weekly fortnight? Yeah. Okay. Perfect. It just kinda fluctuates, I imagine, a little bit based on all the expenses and everything. Yeah. Perfect. Now your employer at the moment as well, are they just paying that standard 12% contribution interest super? Like, there's no special enterprise bargain. Like, great. Perfect. And you're not making any additional contributions through super, otherwise? No. Great. Perfect. Now when it comes to assets as well, I do wanna make sure I have the updated information because, obviously, I know that you went through and split some of that with your previous partner as well. So I do wanna check as well that I have the most kind of finalized information. Has all the assets and everything, has that all been finalized through the separation? Almost at the end. Okay. So with the property, is that do you have that one, your the PPR? The one that's started at 3,700,000? Yep. Perfect. And no remortgage attached to that one? Perfect. And is it still valid at about three point seven, or did that yeah. Okay. Perfect. Now I have also two investment properties. Mhmm. Okay. And is that the one where it was valued at 800 or the $8.60? The $8.60. You sold that one? K. Yep. Okay. Perfect. And do you have the other one still? Yes. K. Perfect. But you still kind of own the the property and stuff? Yes. Yes. Perfect. Value about $809.50. Perfect. Is there a mortgage attached to that one? No. Alright. Perfect. I also have a motor vehicle ride at about 60,000, a Toyota. You still have that one? Yep. Yep. Perfect. And you don't have anything owing on that one, do you? No. Great. And also a trailer ride at about 7,000? Yep. Perfect. Any other assets we haven't gone over that's changed or new access? Yep. Perfect. How many? Two more? Alright. Perfect. I've got two. And how much would you say that they are combined? Sorry. Was that 50 or 60? 70. Perfect. Anything owing? No. Amazing. Any other liabilities, like personal loans, credit cards, ZipPay? No. Amazing. Now health and lifestyle wise, I do have you here as a smoker. Is that still the case? No. Perfect. And when was the last time you had, like, cigarettes? Was that over twelve months ago or within the last twelve months? Within perfect. Let me check here for you. That's good. Because the reason I do ask is let me just bring up your insurances. Is that from the insurance point of view, if it's been alright. Perfect. Now we did have you down here as a nonsmoker, so that's good. It's just if if it was smokers on the insurances when we took it out for you and you stopped smoking, if it's the the insurance kinda need to wait twelve months before they are happy to reassess it and remove smokers. Right? But you don't have smokers right on the policy, so that's great. So we don't need to do or change anything. So that's good. Any other changes to health and lifestyle or all kind of the same? Nope. That's good. And do you have private health insurance? Yes. Perfect. And is that hospital as well? Yep. Perfect. Especially with your income as well, you don't wanna have to pay that additional medical levies there. So that's good. Now when it comes to estate planning, do you have a will in place? No. Do you have anyone who makes any financial decisions for you? No. Perfect. And are you politically exposed or earn an income overseas? Are you politically exposed? Like, are you involved directly in politics or earn any income from that's perfect. Now when it comes to estate planning as well, I did have a quick look at your nomination on your super account, and I do have Hailey nominated for your super. So would you like to update that? Yes. Now to get them updated, I will get to the team to resend those out to you because you are making a legal nomination. They do have to be web signed. Do you have access to a printer, or do you prefer post? Yep. Perfect. It just makes it a bit quicker. So I will get the team to email you the new form as long with the cover letter as well. And if you do have any issues on completing them, just let me know. Otherwise, I'll get them sent out to you as soon as possible so we can get that updated for you. Perfect. Now the next thing to run over is just some goals. So stuff that you are working towards that you are kind of wanting to achieve in the near future or long term. Last time, when you spoke to my colleague, Dana, their focus was to potentially buy another investment property down the track. Is that still kind of, a goal of yours? Yep. Perfect. And do you have any other financial goals or nonfinancial goals that you are kind of working towards? Yep. So just do some renovations or yeah. Perfect. Property. Anything else? No. Okay. Perfect. Now the next thing I do quickly wanna run over with you is just an updated risk profile questionnaire just to see if we need to make any changes to your risk profile within your superannuation. So think of these questions as well. In regards to your superannuation, And at the moment, do you still kind of planning on accessing super at 60 when you can, or do you think you'd yeah. Perfect. And an income of about $1,000 per week, do you think that's sustainable, or do you think you'd wanna draw a bit more? Yeah. Perfect. Yeah. And and sometimes it's hard as well because it's it's plenty of time until you turn 60. Sorry. It's also hard sometimes to know. Okay. Well, what are my financial situation gonna be like that? What's inflation? What things are gonna cost? But you're in a really good financial situation asset wise and with your income as well and don't really have any debt to pay out. So so that's a really good position to be in. Now, Benjamin, have you ever invested in direct shares yourself on the stock market? No. Perfect. And in terms of how much risk you are willing to take for your superannuation, would you say that you are willing to accept, you know, very high risk in order to try to grow your super as much as possible? Just high risk, a bit more kind of moderate or a small amount of risk. It's high. Okay. Perfect. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, wanna take advantage of that by thinking now is potentially a good time to invest a little bit more while the prices are down, or would you hold and wait to see what happens, or would you want to shift to a more secure asset, but that means then selling while the prices have already dropped? Yeah. It's a bit hard. Yeah. Yep. Okay. So for time depending on the reason being and if it's just general trends in the market, potentially invest that a little bit more. Okay. Perfect. And the last one here is if you did see some fluctuations in your super or any assets really. Now in the last twelve months, we've had obviously a bit of fluctuations in the market. So first, you obviously had Trump and tariffs and everything and more recently, the war. So we have seen a bit of fluctuation in the market. If it was something that you noticed, how do you think that would make you feel? Optimistic about potential future opportunities, a bit more cautious, not making further investments, that concerned or highly anxious? Okay. So more kind of neutral, not super anxious, but not putting more in. Yep. Alright. Perfect. And now that tells me here that you have come out as a growth investor, and that is exactly that portfolio that we currently have you invested in, which is good. Now do you remember what a growth investor is at all? Yep. Yeah. No. So, basically, it's someone who's looking at getting, you know, as much growth as you can out of your superannuation, but you do have plenty of time, and you are prepared to experience, you know, some level of fluctuation in order to achieve that. So not high growth or aggressive, but some kind of somewhere in the middle where you do still wanna, you know, grow your super. And when it comes to an asset allocation point of view, we typically see 80% invested in what we would call your growth assets. So this would be your Australian shares, international shares, as well as property and commodities, and that is what's going to grow your super. And then about 20% in defensive, so, like, your cash, your gold, your fixed interest, it limit fluctuations a little bit. And when it comes to a time frame, so making sure that you have enough time in the market for those fluctuations. In a growth portfolio, we typically want to allow at least six years until retirement. So from a time frame point of view, you definitely have that behind you as long as you still feel comfortable with, like, the level of fluctuations and being in a growth portfolio. You'd still feel happy to stay in a growth portfolio? Yeah. Amazing. Yeah. Perfect. Now are you driving at the moment, or do you have access to your emails? Yeah. Okay. Perfect. So if you are happy for me to do so, I'll just kind of quickly run through a couple of documents. And then later, when it is obviously safe for you to do so and when you have a moment, just have a look through the documents. So I have to send you an email with the documents. I'll just kind of briefly go through with you. And, yeah, if you do have any questions later, let me know. And, yeah, just so don't want you doing anything if it's not safe to do so. So, basically, when you do have a look at the email, before you click on the link where it says sign now, at the bottom of the email, you will see a couple of attachments. Now it might look a little bit different, the email, to what you were used to before because we recently have changed the software. So before you click on the link at the bottom, that's all your supporting documents. So what you will see is you will see through through documents first, which is a financial services site and an OQ services site. Now you would have seen this one before. It's just a bit of an updated document. It's one of those compliance documents, but it does give you all the important information regarding us here at OCU. None of the fundamental information has changed, but we've had a bit of an extension to the team, which is good. So all the information about the team, our directors and advisers and everything, that's all in that document for you. Now you will also have a summary form. So that will be a super and insurance summary. And when you do have a look at that, you will see that you do have your super would have 24. Now you do have about a $132,171 in there. Now you also have your insurances with Zurich. So for your life and total permanent disability, you have $1,414,618 worth of life and KPD. Now are you still happy with that level of cover for your life and KPD? Yeah. Yeah. Perfect. Now you also have an income protection policy, and that will pay you a monthly amount of 6,326. You do have a thirty day waiting period and a five year benefit period. Now all those three are paid from superannuation. And after the tax rebate, that is $1,915. Now with your income protection as well, because your income have increased, you are a little bit underinsured at the moment for the income protection. Doesn't mean you have to change it because it also depends on if you feel that 6,326 is sufficient to meet your expenses or whether you would like to increase it. So, basically, with the income protection, you can have up to 70% of your income covered. So you could technically be covered up to 8,166 a month. Obviously, by increasing it, it's going to increase the premium, and we'll have to go through, like, a full underwriting process again because the insurers will take on more risk. So they would like to, you know, reassess everything again. Would you like to look at changing it, or do you think that six three will meet your happy to state? Great. Perfect. Now you do also have a personal investment account, and that is, joint obviously with, your previous partner. So with that as well, you do have, a $171,094 in there. Now because it's obviously joined in both of your names, but, Haley is the account owner on the account. So do you know if the personal investment account of being split or changed or what your kind of goal is? Yes. The only way, though, is that she would have to sign the document to approve it. So I know that we can get those forms drawn up. And just a conflict of interest, I obviously can't be her adviser or deal with her because I'm just looking after your needs. But one of my colleagues, Tommy, is looking after her account. So I can liaise with him and say that you would like to look at getting that changed over to your account name. And then when he has the under review with her, he can let her know that that's what you would like to do, and then we can take it from there. If she's happy with that, we can then get a form authorized through to get that sorted. If she comes back and says differently, then I can give you a call, and then we can see what we can do. But we can yeah. Yes. It is exactly. Exactly. Unless you guys are planning on, you know, changing anything there. No. No. Yeah. It's just at the moment. Yeah. Because she's the account older owner. Like, when it comes to, like, the fee agreement, that would all kind of go to her at the moment. And, also, if making any changes on the account and stuff like that, would obviously have to be, a joint discussion as well. Yeah. Okay. Yep. Yeah. No. That makes sense. And I try to look at that. So, yeah, I will speak to my colleague and see if we can get that sorted, and then I will just kind of keep you in the loop with when he's spoken, yeah, to to her and stuff. So when it comes through your portfolio as well, so both of them actually. So when it comes to first your your student graduation, so in the documents, you will see a twelve month performance report. Now that is of your superannuation. So that tells us, kind of like I touched on earlier, we have obviously seen a bit of fluctuations in the market the last twelve months. But despite all of that, your portfolio has held up really well. So in the last twelve months, now after all fees have been deducted from your account, your portfolio in super has still gone up by 9.8%. We're quite happy with that given what's happened in the market. Now having a bit of a look at your investments as well because it is something we obviously research all the time to make sure that we do have you invested in the best options possible because things are always changing. Now one of the investments in your portfolio, which is your Benelon Australian Equity, has underperformed a little bit recently. They've been a little bit slower with making their investment choices as well. And the purpose behind this investment is to actively buy and sell different investments in order to try to outperform the market. But like I said, they've been a little bit slower with making those choices and have underperformed a bit recently. So what I would like to do, if you are happy for me to do so, it's to just do a little bit of research on, an alternative option and see if we can switch that out for you. And yeah. So it will kind of be a similar, obviously. It won't change the front foundation of your portfolio. We'll still obviously, if we're replacing an Australian investment, we won't obviously keep it in the Australian through keeping your whole portfolio diversified. But we've done a lot of research on different options, and there is one which has performed a little bit better and it's a little bit cheaper. So I will just triple check that that's aligning with your account. And if so, if you're happy for me to do so, I will go ahead and make the change, just that one investment, and I will send you a record of advice to outline what the change is as well just for your reference. Yeah. Perfect. You don't need to sign it or anything like that, but I will send it to you anyway so that you have it on your record so you know that change. Yeah. Perfect. No. That's okay. Now with the personal investment account, that one has done really well as well. And after fees, it's been 14.32%. So it's done really well as well. Now it is the same one, which you do have been along invested in that account. So, again, if you are happy for me to do so, I can get that switched out. Now I will just have to speak to my colleague as well just to confirm that, obviously, Haley's happy with the same thing. And then we can issue individual record of advice as well to show that change. Yep. Great. Perfect. Now the other two documents you will see is just your Zurich certificate of currency. It just basically breaks down the insurances we touched on already, but just lets you know that's all paid and up to date. And then the last two documents is that when you if you're happy to do so, when you click on the link process sign now, it will ask you to sign two documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain and stay on as a client. Now there is no changes in regards to the fee structure, So that stays exactly the same at 1.1 from superannuation, so no changes in regards to that. And this is not a lock in contract. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, these documents just let us service your account and everything in the meantime. And then the last one, it is just a compliance form. It's just a tax file number to say that we are keeping your tax file number secure and safe on file. Did that all make sense? Do you have any questions? No. Okay. Perfect. So like I said, when it's safe for for you to do so, when you have a moment, have a look through the documents. If you have any questions, let me know, and we can always I can always give you a call and go through anything. But if not, if it all makes sense and you are happy with it, I'll just need you to sign those documents. Once you've added your signature and date, it will then send it back to me, and I can get the team to upload and get that all sorted for you. In the meantime, I will also get the the team to email you this beneficiary form so we can get that updated and sorted for you. And I will speak to my colleague, Tommy, as well in regards to trying to get that ownership changed to your name, and then keep a lookout for that record of advice to show the investment change as well. Yes. Perfect. Now do you have any questions or anything else for me before I let you go otherwise then, No. Okay. Perfect. Well, I will let you go and enjoy the rest of your afternoon. If there is anything else that you need though at any point in time, don't hesitate to give me a call. No problem at all. We'll speak soon. You too. 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afternoon, Benjamin. This is Veronica from XQ Financial. How are you? Good. Thanks.\n\nI had you booked in this afternoon to go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nPerfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? Yep. Yep. Perfect.\n\nI'm sorry. Just your address as well. Yep. Perfect. That's exactly what I have here.\n\nAnd how's your day been so far? Been busy. Yeah. Yeah. It's been pretty busy, but it's going really fast.\n\nSo I can't really complain. Now, Benjamin, before I do kind of jump into the under review there with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up to see what's happened in the last twelve months. Yep. Perfect. So my what I might do then is just quickly go through a bit of an updated fact find with you first just to see if there's anything that's kind of major that has changed in in your life or if we need to make any changes through your advice.\n\nAnd then I'll kind of go through your portfolio and everything and see what's happened in the last twelve months. So just bear with me as I do go through your fax line here with you. Now when it comes to your personal information, I have you down here as separated with two financial dependents. Is that correct? Yep.\n\nPerfect. Now I don't have a next of kin on file for you. So in the event that we can't contact you, who is someone that we could contact? And that can be anybody. Yes.\n\nYes. Perfect. Would you mind just providing me the name and contact number? Tony. Yep.\n\nAnd last last name? Baker. Perfect. And phone number, please? Four four double three.\n\nYep. Three one eight. Yep. 791. Perfect.\n\nAnd just relationship to yourself as well. Perfect. Thank you very much. Now when it comes to employment information, has any of that changed in the last twelve months, or I'm still working as a yeah. I have project manager.\n\nNo. It says within construction. Property service manager. Alright. I'll update that.\n\nProperty service manager. Perfect. And is it still within which industry does would that be as well? Aged care. Perfect.\n\nAnd when did you start there? Okay. Perfect. And do you like it? Yeah.\n\nThat's good. For working full time? Yes. Perfect. And about the standard thirty eight hours?\n\nYes. Perfect. Now I have income at 115. Did that change with the occupation? 115.\n\nYes. 1 1 5. What's that? Sorry. 140.\n\nOh, perfect. A nice little increase. And do you get paid, like, bonuses or overtime or anything on top of it, or is that just, like, your space? Perfect. Now do you track your expenses at all?\n\nLike, would you know your total bills and expenses and if you save anything on a weekly basis? No. That's okay. Do you know if you save anything, like, on a weekly fortnight? Yeah.\n\nOkay. Perfect. It just kinda fluctuates, I imagine, a little bit based on all the expenses and everything. Yeah. Perfect.\n\nNow your employer at the moment as well, are they just paying that standard 12% contribution interest super? Like, there's no special enterprise bargain. Like, great. Perfect. And you're not making any additional contributions through super, otherwise?\n\nNo. Great. Perfect. Now when it comes to assets as well, I do wanna make sure I have the updated information because, obviously, I know that you went through and split some of that with your previous partner as well. So I do wanna check as well that I have the most kind of finalized information.\n\nHas all the assets and everything, has that all been finalized through the separation? Almost at the end. Okay. So with the property, is that do you have that one, your the PPR? The one that's started at 3,700,000?\n\nYep. Perfect. And no remortgage attached to that one? Perfect. And is it still valid at about three point seven, or did that yeah.\n\nOkay. Perfect. Now I have also two investment properties. Mhmm. Okay.\n\nAnd is that the one where it was valued at 800 or the $8.60? The $8.60. You sold that one? K. Yep.\n\nOkay. Perfect. And do you have the other one still? Yes. K.\n\nPerfect. But you still kind of own the the property and stuff? Yes. Yes. Perfect.\n\nValue about $809.50. Perfect. Is there a mortgage attached to that one? No. Alright.\n\nPerfect. I also have a motor vehicle ride at about 60,000, a Toyota. You still have that one? Yep. Yep.\n\nPerfect. And you don't have anything owing on that one, do you? No. Great. And also a trailer ride at about 7,000?\n\nYep. Perfect. Any other assets we haven't gone over that's changed or new access? Yep. Perfect.\n\nHow many? Two more? Alright. Perfect. I've got two.\n\nAnd how much would you say that they are combined? Sorry. Was that 50 or 60? 70. Perfect.\n\nAnything owing? No. Amazing. Any other liabilities, like personal loans, credit cards, ZipPay? No.\n\nAmazing. Now health and lifestyle wise, I do have you here as a smoker. Is that still the case? No. Perfect.\n\nAnd when was the last time you had, like, cigarettes? Was that over twelve months ago or within the last twelve months? Within perfect. Let me check here for you. That's good.\n\nBecause the reason I do ask is let me just bring up your insurances. Is that from the insurance point of view, if it's been alright. Perfect. Now we did have you down here as a nonsmoker, so that's good. It's just if if it was smokers on the insurances when we took it out for you and you stopped smoking, if it's the the insurance kinda need to wait twelve months before they are happy to reassess it and remove smokers.\n\nRight? But you don't have smokers right on the policy, so that's great. So we don't need to do or change anything. So that's good. Any other changes to health and lifestyle or all kind of the same?\n\nNope. That's good. And do you have private health insurance? Yes. Perfect.\n\nAnd is that hospital as well? Yep. Perfect. Especially with your income as well, you don't wanna have to pay that additional medical levies there. So that's good.\n\nNow when it comes to estate planning, do you have a will in place? No. Do you have anyone who makes any financial decisions for you? No. Perfect.\n\nAnd are you politically exposed or earn an income overseas? Are you politically exposed? Like, are you involved directly in politics or earn any income from that's perfect. Now when it comes to estate planning as well, I did have a quick look at your nomination on your super account, and I do have Hailey nominated for your super. So would you like to update that?\n\nYes. Now to get them updated, I will get to the team to resend those out to you because you are making a legal nomination. They do have to be web signed. Do you have access to a printer, or do you prefer post? Yep.\n\nPerfect. It just makes it a bit quicker. So I will get the team to email you the new form as long with the cover letter as well. And if you do have any issues on completing them, just let me know. Otherwise, I'll get them sent out to you as soon as possible so we can get that updated for you.\n\nPerfect. Now the next thing to run over is just some goals. So stuff that you are working towards that you are kind of wanting to achieve in the near future or long term. Last time, when you spoke to my colleague, Dana, their focus was to potentially buy another investment property down the track. Is that still kind of, a goal of yours?\n\nYep. Perfect. And do you have any other financial goals or nonfinancial goals that you are kind of working towards? Yep. So just do some renovations or yeah.\n\nPerfect. Property. Anything else? No. Okay.\n\nPerfect. Now the next thing I do quickly wanna run over with you is just an updated risk profile questionnaire just to see if we need to make any changes to your risk profile within your superannuation. So think of these questions as well. In regards to your superannuation, And at the moment, do you still kind of planning on accessing super at 60 when you can, or do you think you'd yeah. Perfect.\n\nAnd an income of about $1,000 per week, do you think that's sustainable, or do you think you'd wanna draw a bit more? Yeah. Perfect. Yeah. And and sometimes it's hard as well because it's it's plenty of time until you turn 60.\n\nSorry. It's also hard sometimes to know. Okay. Well, what are my financial situation gonna be like that? What's inflation?\n\nWhat things are gonna cost? But you're in a really good financial situation asset wise and with your income as well and don't really have any debt to pay out. So so that's a really good position to be in. Now, Benjamin, have you ever invested in direct shares yourself on the stock market? No.\n\nPerfect. And in terms of how much risk you are willing to take for your superannuation, would you say that you are willing to accept, you know, very high risk in order to try to grow your super as much as possible? Just high risk, a bit more kind of moderate or a small amount of risk. It's high. Okay.\n\nPerfect. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, wanna take advantage of that by thinking now is potentially a good time to invest a little bit more while the prices are down, or would you hold and wait to see what happens, or would you want to shift to a more secure asset, but that means then selling while the prices have already dropped? Yeah. It's a bit hard.\n\nYeah. Yep. Okay. So for time depending on the reason being and if it's just general trends in the market, potentially invest that a little bit more. Okay.\n\nPerfect. And the last one here is if you did see some fluctuations in your super or any assets really. Now in the last twelve months, we've had obviously a bit of fluctuations in the market. So first, you obviously had Trump and tariffs and everything and more recently, the war. So we have seen a bit of fluctuation in the market.\n\nIf it was something that you noticed, how do you think that would make you feel? Optimistic about potential future opportunities, a bit more cautious, not making further investments, that concerned or highly anxious? Okay. So more kind of neutral, not super anxious, but not putting more in. Yep.\n\nAlright. Perfect. And now that tells me here that you have come out as a growth investor, and that is exactly that portfolio that we currently have you invested in, which is good. Now do you remember what a growth investor is at all? Yep.\n\nYeah. No. So, basically, it's someone who's looking at getting, you know, as much growth as you can out of your superannuation, but you do have plenty of time, and you are prepared to experience, you know, some level of fluctuation in order to achieve that. So not high growth or aggressive, but some kind of somewhere in the middle where you do still wanna, you know, grow your super. And when it comes to an asset allocation point of view, we typically see 80% invested in what we would call your growth assets.\n\nSo this would be your Australian shares, international shares, as well as property and commodities, and that is what's going to grow your super. And then about 20% in defensive, so, like, your cash, your gold, your fixed interest, it limit fluctuations a little bit. And when it comes to a time frame, so making sure that you have enough time in the market for those fluctuations. In a growth portfolio, we typically want to allow at least six years until retirement. So from a time frame point of view, you definitely have that behind you as long as you still feel comfortable with, like, the level of fluctuations and being in a growth portfolio.\n\nYou'd still feel happy to stay in a growth portfolio? Yeah. Amazing. Yeah. Perfect.\n\nNow are you driving at the moment, or do you have access to your emails? Yeah. Okay. Perfect. So if you are happy for me to do so, I'll just kind of quickly run through a couple of documents.\n\nAnd then later, when it is obviously safe for you to do so and when you have a moment, just have a look through the documents. So I have to send you an email with the documents. I'll just kind of briefly go through with you. And, yeah, if you do have any questions later, let me know. And, yeah, just so don't want you doing anything if it's not safe to do so.\n\nSo, basically, when you do have a look at the email, before you click on the link where it says sign now, at the bottom of the email, you will see a couple of attachments. Now it might look a little bit different, the email, to what you were used to before because we recently have changed the software. So before you click on the link at the bottom, that's all your supporting documents. So what you will see is you will see through through documents first, which is a financial services site and an OQ services site. Now you would have seen this one before.\n\nIt's just a bit of an updated document. It's one of those compliance documents, but it does give you all the important information regarding us here at OCU. None of the fundamental information has changed, but we've had a bit of an extension to the team, which is good. So all the information about the team, our directors and advisers and everything, that's all in that document for you. Now you will also have a summary form.\n\nSo that will be a super and insurance summary. And when you do have a look at that, you will see that you do have your super would have 24. Now you do have about a $132,171 in there. Now you also have your insurances with Zurich. So for your life and total permanent disability, you have $1,414,618 worth of life and KPD.\n\nNow are you still happy with that level of cover for your life and KPD? Yeah. Yeah. Perfect. Now you also have an income protection policy, and that will pay you a monthly amount of 6,326.\n\nYou do have a thirty day waiting period and a five year benefit period. Now all those three are paid from superannuation. And after the tax rebate, that is $1,915. Now with your income protection as well, because your income have increased, you are a little bit underinsured at the moment for the income protection. Doesn't mean you have to change it because it also depends on if you feel that 6,326 is sufficient to meet your expenses or whether you would like to increase it.\n\nSo, basically, with the income protection, you can have up to 70% of your income covered. So you could technically be covered up to 8,166 a month. Obviously, by increasing it, it's going to increase the premium, and we'll have to go through, like, a full underwriting process again because the insurers will take on more risk. So they would like to, you know, reassess everything again. Would you like to look at changing it, or do you think that six three will meet your happy to state?\n\nGreat. Perfect. Now you do also have a personal investment account, and that is, joint obviously with, your previous partner. So with that as well, you do have, a $171,094 in there. Now because it's obviously joined in both of your names, but, Haley is the account owner on the account.\n\nSo do you know if the personal investment account of being split or changed or what your kind of goal is? Yes. The only way, though, is that she would have to sign the document to approve it. So I know that we can get those forms drawn up. And just a conflict of interest, I obviously can't be her adviser or deal with her because I'm just looking after your needs.\n\nBut one of my colleagues, Tommy, is looking after her account. So I can liaise with him and say that you would like to look at getting that changed over to your account name. And then when he has the under review with her, he can let her know that that's what you would like to do, and then we can take it from there. If she's happy with that, we can then get a form authorized through to get that sorted. If she comes back and says differently, then I can give you a call, and then we can see what we can do.\n\nBut we can yeah. Yes. It is exactly. Exactly. Unless you guys are planning on, you know, changing anything there.\n\nNo. No. Yeah. It's just at the moment. Yeah.\n\nBecause she's the account older owner. Like, when it comes to, like, the fee agreement, that would all kind of go to her at the moment. And, also, if making any changes on the account and stuff like that, would obviously have to be, a joint discussion as well. Yeah. Okay.\n\nYep. Yeah. No. That makes sense. And I try to look at that.\n\nSo, yeah, I will speak to my colleague and see if we can get that sorted, and then I will just kind of keep you in the loop with when he's spoken, yeah, to to her and stuff. So when it comes through your portfolio as well, so both of them actually. So when it comes to first your your student graduation, so in the documents, you will see a twelve month performance report. Now that is of your superannuation. So that tells us, kind of like I touched on earlier, we have obviously seen a bit of fluctuations in the market the last twelve months.\n\nBut despite all of that, your portfolio has held up really well. So in the last twelve months, now after all fees have been deducted from your account, your portfolio in super has still gone up by 9.8%. We're quite happy with that given what's happened in the market. Now having a bit of a look at your investments as well because it is something we obviously research all the time to make sure that we do have you invested in the best options possible because things are always changing. Now one of the investments in your portfolio, which is your Benelon Australian Equity, has underperformed a little bit recently.\n\nThey've been a little bit slower with making their investment choices as well. And the purpose behind this investment is to actively buy and sell different investments in order to try to outperform the market. But like I said, they've been a little bit slower with making those choices and have underperformed a bit recently. So what I would like to do, if you are happy for me to do so, it's to just do a little bit of research on, an alternative option and see if we can switch that out for you. And yeah.\n\nSo it will kind of be a similar, obviously. It won't change the front foundation of your portfolio. We'll still obviously, if we're replacing an Australian investment, we won't obviously keep it in the Australian through keeping your whole portfolio diversified. But we've done a lot of research on different options, and there is one which has performed a little bit better and it's a little bit cheaper. So I will just triple check that that's aligning with your account.\n\nAnd if so, if you're happy for me to do so, I will go ahead and make the change, just that one investment, and I will send you a record of advice to outline what the change is as well just for your reference. Yeah. Perfect. You don't need to sign it or anything like that, but I will send it to you anyway so that you have it on your record so you know that change. Yeah.\n\nPerfect. No. That's okay. Now with the personal investment account, that one has done really well as well. And after fees, it's been 14.32%.\n\nSo it's done really well as well. Now it is the same one, which you do have been along invested in that account. So, again, if you are happy for me to do so, I can get that switched out. Now I will just have to speak to my colleague as well just to confirm that, obviously, Haley's happy with the same thing. And then we can issue individual record of advice as well to show that change.\n\nYep. Great. Perfect. Now the other two documents you will see is just your Zurich certificate of currency. It just basically breaks down the insurances we touched on already, but just lets you know that's all paid and up to date.\n\nAnd then the last two documents is that when you if you're happy to do so, when you click on the link process sign now, it will ask you to sign two documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain and stay on as a client. Now there is no changes in regards to the fee structure, So that stays exactly the same at 1.1 from superannuation, so no changes in regards to that. And this is not a lock in contract. So if at any point in time you are not happy, there is no lock in contract.\n\nBut, otherwise, these documents just let us service your account and everything in the meantime. And then the last one, it is just a compliance form. It's just a tax file number to say that we are keeping your tax file number secure and safe on file. Did that all make sense? Do you have any questions?\n\nNo. Okay. Perfect. So like I said, when it's safe for for you to do so, when you have a moment, have a look through the documents. If you have any questions, let me know, and we can always I can always give you a call and go through anything.\n\nBut if not, if it all makes sense and you are happy with it, I'll just need you to sign those documents. Once you've added your signature and date, it will then send it back to me, and I can get the team to upload and get that all sorted for you. In the meantime, I will also get the the team to email you this beneficiary form so we can get that updated and sorted for you. And I will speak to my colleague, Tommy, as well in regards to trying to get that ownership changed to your name, and then keep a lookout for that record of advice to show the investment change as well. Yes.\n\nPerfect. Now do you have any questions or anything else for me before I let you go otherwise then, No. Okay. Perfect. Well, I will let you go and enjoy the rest of your afternoon.\n\nIf there is anything else that you need though at any point in time, don't hesitate to give me a call. No problem at all. We'll speak soon. You too. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Benjamin.","start":2.6399999,"end":3.78,"sentiment":"positive","sentiment_score":0.35830987493197125},{"text":"This is Veronica from XQ Financial.","start":3.84,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2970624268054962},{"text":"How are you?","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.22180096308390299},{"text":"Good.","start":8.639999,"end":9.12,"sentiment":"positive","sentiment_score":0.5414248108863831},{"text":"Thanks.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.6880825757980347}],"sentiment":"positive","sentiment_score":0.339443890111787,"num_words":14,"start":2.6399999,"end":9.62},{"sentences":[{"text":"I had you booked in this afternoon to go over your annual review.","start":10.639999,"end":13.679999,"sentiment":"positive","sentiment_score":0.4595354268184075},{"text":"Is now still a good time for you?","start":13.679999,"end":15.255,"sentiment":"positive","sentiment_score":0.3898976407945156},{"text":"Yep.","start":16.455,"end":16.955,"sentiment":"neutral","sentiment_score":0.24528054893016815},{"text":"Perfect.","start":17.255001,"end":17.755001,"sentiment":"positive","sentiment_score":0.4578538835048675},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.215,"end":25.675,"sentiment":"neutral","sentiment_score":0.027208570166137713}],"sentiment":"neutral","sentiment_score":0.20356393542785484,"num_words":52,"start":10.639999,"end":25.675},{"sentences":[{"text":"Perfect.","start":27.51,"end":28.01,"sentiment":"neutral","sentiment_score":0.3328956663608551},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please?","start":28.15,"end":37.29,"sentiment":"neutral","sentiment_score":0.06914545744657516},{"text":"Yep.","start":40.245,"end":40.745,"sentiment":"neutral","sentiment_score":0.03239862248301506},{"text":"Yep.","start":42.805,"end":43.285,"sentiment":"neutral","sentiment_score":0.08518984168767929},{"text":"Perfect.","start":43.285,"end":43.785,"sentiment":"neutral","sentiment_score":0.2105356007814407}],"sentiment":"neutral","sentiment_score":0.08045245455030132,"num_words":34,"start":27.51,"end":43.785},{"sentences":[{"text":"I'm sorry.","start":43.925,"end":44.405,"sentiment":"neutral","sentiment_score":0.08274053037166595},{"text":"Just your address as well.","start":44.405,"end":45.785,"sentiment":"neutral","sentiment_score":0.045233553647994994},{"text":"Yep.","start":49.445,"end":49.925,"sentiment":"neutral","sentiment_score":0.14145712554454803},{"text":"Perfect.","start":49.925,"end":50.325,"sentiment":"positive","sentiment_score":0.4567485451698303},{"text":"That's exactly what I have here.","start":50.325,"end":51.845,"sentiment":"positive","sentiment_score":0.49367304146289825}],"sentiment":"neutral","sentiment_score":0.263459516565005,"num_words":15,"start":43.925,"end":51.845},{"sentences":[{"text":"And how's your day been so far?","start":51.845,"end":53.445,"sentiment":"neutral","sentiment_score":0.1853818084512438},{"text":"Been busy.","start":53.445,"end":54.184998,"sentiment":"neutral","sentiment_score":-0.016520025208592415},{"text":"Yeah.","start":56.25,"end":56.65,"sentiment":"neutral","sentiment_score":0.05940430611371994},{"text":"Yeah.","start":56.65,"end":56.890003,"sentiment":"neutral","sentiment_score":0.01987621374428272},{"text":"It's been pretty busy, but it's going really fast.","start":56.890003,"end":59.230003,"sentiment":"neutral","sentiment_score":-0.07719866931438446}],"sentiment":"neutral","sentiment_score":0.03245625523850322,"num_words":20,"start":51.845,"end":59.230003},{"sentences":[{"text":"So I can't really complain.","start":59.530003,"end":60.83,"sentiment":"neutral","sentiment_score":-0.13036776185035706},{"text":"Now, Benjamin, before I do kind of jump into the under review there with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up to see what's happened in the last twelve months.","start":62.81,"end":79.185,"sentiment":"neutral","sentiment_score":0.016237749026290008},{"text":"Yep.","start":82.22,"end":82.62,"sentiment":"neutral","sentiment_score":0.07872070372104645},{"text":"Perfect.","start":82.62,"end":83.12,"sentiment":"neutral","sentiment_score":0.20607556402683255},{"text":"So my what I might do then is just quickly go through a bit of an updated fact find with you first just to see if there's anything that's kind of major that has changed in in your life or if we need to make any changes through your advice.","start":83.740005,"end":96.16,"sentiment":"neutral","sentiment_score":0.03708522357046604}],"sentiment":"neutral","sentiment_score":0.020660323376848002,"num_words":127,"start":59.530003,"end":96.16},{"sentences":[{"text":"And then I'll kind of go through your portfolio and everything and see what's happened in the last twelve months.","start":96.994995,"end":101.735,"sentiment":"neutral","sentiment_score":0.03555541234090924},{"text":"So just bear with me as I do go through your fax line here with you.","start":103.155,"end":106.935,"sentiment":"neutral","sentiment_score":0.02062534971628338},{"text":"Now when it comes to your personal information, I have you down here as separated with two financial dependents.","start":107.475,"end":116.380005,"sentiment":"neutral","sentiment_score":0.010481391200109533},{"text":"Is that correct?","start":116.520004,"end":117.42,"sentiment":"neutral","sentiment_score":0.052335319419701896},{"text":"Yep.","start":118.520004,"end":119.0,"sentiment":"neutral","sentiment_score":0.22588036954402924}],"sentiment":"neutral","sentiment_score":0.02751095937091415,"num_words":59,"start":96.994995,"end":119.0},{"sentences":[{"text":"Perfect.","start":119.0,"end":119.5,"sentiment":"positive","sentiment_score":0.5990523099899292},{"text":"Now I don't have a next of kin on file for you.","start":120.12,"end":123.42,"sentiment":"neutral","sentiment_score":-0.10919505388786395},{"text":"So in the event that we can't contact you, who is someone that we could contact?","start":123.815,"end":128.935,"sentiment":"neutral","sentiment_score":-0.06909478432498872},{"text":"And that can be anybody.","start":128.935,"end":130.155,"sentiment":"neutral","sentiment_score":-0.05857611671090126},{"text":"Yes.","start":133.975,"end":134.475,"sentiment":"neutral","sentiment_score":0.012881762348115444}],"sentiment":"neutral","sentiment_score":-0.05990867734487568,"num_words":35,"start":119.0,"end":134.475},{"sentences":[{"text":"Yes.","start":141.75,"end":142.23,"sentiment":"neutral","sentiment_score":0.0981878936290741},{"text":"Perfect.","start":142.23,"end":142.73,"sentiment":"neutral","sentiment_score":0.3017798960208893},{"text":"Would you mind just providing me the name and contact number?","start":142.95,"end":146.89,"sentiment":"neutral","sentiment_score":0.061446173285896126},{"text":"Tony.","start":151.045,"end":151.545,"sentiment":"neutral","sentiment_score":0.016745567321777344},{"text":"Yep.","start":151.685,"end":152.185,"sentiment":"neutral","sentiment_score":0.01875908300280571}],"sentiment":"neutral","sentiment_score":0.07409202307462692,"num_words":15,"start":141.75,"end":152.185},{"sentences":[{"text":"And last last name?","start":153.925,"end":155.785,"sentiment":"neutral","sentiment_score":0.009509311988949776},{"text":"Baker.","start":156.725,"end":157.225,"sentiment":"neutral","sentiment_score":0.01262802816927433},{"text":"Perfect.","start":158.005,"end":158.505,"sentiment":"neutral","sentiment_score":0.1743998825550079},{"text":"And phone number, please?","start":158.885,"end":162.04001,"sentiment":"neutral","sentiment_score":0.06227116100490093},{"text":"Four four double three.","start":164.02,"end":165.3,"sentiment":"neutral","sentiment_score":0.010886331787332892}],"sentiment":"neutral","sentiment_score":0.03697822356064405,"num_words":14,"start":153.925,"end":165.3},{"sentences":[{"text":"Yep.","start":165.3,"end":165.8,"sentiment":"neutral","sentiment_score":0.01589406281709671},{"text":"Three one eight.","start":167.86,"end":168.90001,"sentiment":"neutral","sentiment_score":0.010814564923445383},{"text":"Yep.","start":168.90001,"end":169.40001,"sentiment":"neutral","sentiment_score":0.01991773582994938},{"text":"791.","start":171.22,"end":172.395,"sentiment":"neutral","sentiment_score":0.02538330852985382},{"text":"Perfect.","start":172.63501,"end":173.13501,"sentiment":"neutral","sentiment_score":0.3315618634223938}],"sentiment":"neutral","sentiment_score":0.06074295219566141,"num_words":7,"start":165.3,"end":173.13501},{"sentences":[{"text":"And just relationship to yourself as well.","start":174.235,"end":177.13501,"sentiment":"neutral","sentiment_score":0.28620302038533346},{"text":"Perfect.","start":179.195,"end":179.695,"sentiment":"positive","sentiment_score":0.5813723206520081},{"text":"Thank you very much.","start":179.835,"end":181.215,"sentiment":"positive","sentiment_score":0.6361537277698517},{"text":"Now when it comes to employment information, has any of that changed in the last twelve months, or I'm still working as a yeah.","start":182.075,"end":193.03,"sentiment":"neutral","sentiment_score":-0.025245309380503993},{"text":"I have project manager.","start":193.03,"end":194.48999,"sentiment":"neutral","sentiment_score":-0.011859079590067267}],"sentiment":"neutral","sentiment_score":0.11190211577340961,"num_words":40,"start":174.235,"end":194.48999},{"sentences":[{"text":"No.","start":199.415,"end":199.815,"sentiment":"neutral","sentiment_score":-0.0879797488451004},{"text":"It says within construction.","start":199.815,"end":201.115,"sentiment":"neutral","sentiment_score":-0.058326409198343754},{"text":"Property service manager.","start":206.855,"end":208.215,"sentiment":"neutral","sentiment_score":-0.019458279634515446},{"text":"Alright.","start":208.215,"end":208.535,"sentiment":"neutral","sentiment_score":0.016349954530596733},{"text":"I'll update that.","start":208.535,"end":209.495,"sentiment":"neutral","sentiment_score":0.013162133594353994}],"sentiment":"neutral","sentiment_score":-0.02698532243569692,"num_words":12,"start":199.415,"end":209.495},{"sentences":[{"text":"Property service manager.","start":209.495,"end":212.49,"sentiment":"neutral","sentiment_score":0.0027437551567951837},{"text":"Perfect.","start":213.35,"end":213.85,"sentiment":"neutral","sentiment_score":0.16630259156227112},{"text":"And is it still within which industry does would that be as well?","start":214.79,"end":221.05,"sentiment":"neutral","sentiment_score":0.02407180145382881},{"text":"Aged care.","start":222.47,"end":223.11,"sentiment":"neutral","sentiment_score":0.006512205116450787},{"text":"Perfect.","start":223.11,"end":223.59,"sentiment":"neutral","sentiment_score":0.12102500349283218}],"sentiment":"neutral","sentiment_score":0.031075834482908248,"num_words":20,"start":209.495,"end":223.59},{"sentences":[{"text":"And when did you start there?","start":223.59,"end":225.13,"sentiment":"neutral","sentiment_score":0.022755758215983708},{"text":"Okay.","start":229.595,"end":230.07501,"sentiment":"neutral","sentiment_score":0.09997209161520004},{"text":"Perfect.","start":230.07501,"end":230.57501,"sentiment":"neutral","sentiment_score":0.25743353366851807},{"text":"And do you like it?","start":231.27501,"end":232.41501,"sentiment":"neutral","sentiment_score":0.15497434735298157},{"text":"Yeah.","start":235.43501,"end":235.91501,"sentiment":"neutral","sentiment_score":0.28378498554229736}],"sentiment":"neutral","sentiment_score":0.11089977834905897,"num_words":14,"start":223.59,"end":235.91501},{"sentences":[{"text":"That's good.","start":235.91501,"end":236.735,"sentiment":"positive","sentiment_score":0.41918452084064484},{"text":"For working full time?","start":238.395,"end":239.615,"sentiment":"neutral","sentiment_score":0.18243202939629555},{"text":"Yes.","start":240.94,"end":241.42,"sentiment":"neutral","sentiment_score":0.1263645589351654},{"text":"Perfect.","start":241.42,"end":241.92,"sentiment":"neutral","sentiment_score":0.26856502890586853},{"text":"And about the standard thirty eight hours?","start":241.98,"end":243.92,"sentiment":"neutral","sentiment_score":0.05818844959139824}],"sentiment":"neutral","sentiment_score":0.15802305961648624,"num_words":15,"start":235.91501,"end":243.92},{"sentences":[{"text":"Yes.","start":246.06,"end":246.54,"sentiment":"neutral","sentiment_score":0.08141115307807922},{"text":"Perfect.","start":246.54,"end":247.04,"sentiment":"neutral","sentiment_score":0.1573881208896637},{"text":"Now I have income at 115.","start":248.22,"end":251.2,"sentiment":"neutral","sentiment_score":0.031514671010275684},{"text":"Did that change with the occupation?","start":251.26,"end":253.59999,"sentiment":"neutral","sentiment_score":-0.01464183380206426},{"text":"115.","start":254.705,"end":255.845,"sentiment":"neutral","sentiment_score":-0.013032592833042145}],"sentiment":"neutral","sentiment_score":0.021800246958931287,"num_words":15,"start":246.06,"end":255.845},{"sentences":[{"text":"Yes.","start":258.225,"end":258.725,"sentiment":"neutral","sentiment_score":0.003742552362382412},{"text":"1 1 5.","start":258.945,"end":260.005,"sentiment":"neutral","sentiment_score":-0.0012456085532903671},{"text":"What's that?","start":262.70502,"end":263.185,"sentiment":"neutral","sentiment_score":-0.005520818056538701},{"text":"Sorry.","start":263.185,"end":263.685,"sentiment":"neutral","sentiment_score":-0.028605211526155472},{"text":"140.","start":266.24,"end":267.06,"sentiment":"neutral","sentiment_score":0.010092701762914658}],"sentiment":"neutral","sentiment_score":-0.0036935523967258632,"num_words":8,"start":258.225,"end":267.06},{"sentences":[{"text":"Oh, perfect.","start":267.12,"end":267.86002,"sentiment":"neutral","sentiment_score":0.16402309387922287},{"text":"A nice little increase.","start":268.24,"end":269.54,"sentiment":"positive","sentiment_score":0.3940037861466408},{"text":"And do you get paid, like, bonuses or overtime or anything on top of it, or is that just, like, your space?","start":270.80002,"end":276.74,"sentiment":"neutral","sentiment_score":-0.0016958815976977348},{"text":"Perfect.","start":277.2,"end":277.7,"sentiment":"neutral","sentiment_score":0.028819527477025986},{"text":"Now do you track your expenses at all?","start":278.96,"end":282.535,"sentiment":"neutral","sentiment_score":-0.07602363545447588}],"sentiment":"neutral","sentiment_score":0.0347941184064021,"num_words":37,"start":267.12,"end":282.535},{"sentences":[{"text":"Like, would you know your total bills and expenses and if you save anything on a weekly basis?","start":282.535,"end":287.355,"sentiment":"neutral","sentiment_score":0.0269908399010698},{"text":"No.","start":291.415,"end":291.655,"sentiment":"neutral","sentiment_score":-0.0911695510149002},{"text":"That's okay.","start":291.655,"end":292.135,"sentiment":"neutral","sentiment_score":0.027594218030571938},{"text":"Do you know if you save anything, like, on a weekly fortnight?","start":292.135,"end":295.815,"sentiment":"neutral","sentiment_score":0.048888660656909146},{"text":"Yeah.","start":295.815,"end":296.05502,"sentiment":"neutral","sentiment_score":0.0752333328127861}],"sentiment":"neutral","sentiment_score":0.032698566587094,"num_words":34,"start":282.535,"end":296.05502},{"sentences":[{"text":"Okay.","start":296.05502,"end":296.37,"sentiment":"neutral","sentiment_score":0.17198005318641665},{"text":"Perfect.","start":296.44998,"end":296.61,"sentiment":"positive","sentiment_score":0.41287708282470703},{"text":"It just kinda fluctuates, I imagine, a little bit based on all the expenses and everything.","start":296.61,"end":300.94998,"sentiment":"neutral","sentiment_score":0.018289148923940957},{"text":"Yeah.","start":301.97,"end":302.47,"sentiment":"neutral","sentiment_score":0.1267058551311493},{"text":"Perfect.","start":302.53,"end":303.03,"sentiment":"neutral","sentiment_score":0.2781214118003845}],"sentiment":"neutral","sentiment_score":0.06411553928628563,"num_words":20,"start":296.05502,"end":303.03},{"sentences":[{"text":"Now your employer at the moment as well, are they just paying that standard 12% contribution interest super?","start":304.05,"end":310.13,"sentiment":"neutral","sentiment_score":0.04090672213998106},{"text":"Like, there's no special enterprise bargain.","start":310.13,"end":312.865,"sentiment":"neutral","sentiment_score":0.028432840015739202},{"text":"Like, great.","start":312.865,"end":313.665,"sentiment":"positive","sentiment_score":0.4093252718448639},{"text":"Perfect.","start":313.665,"end":314.165,"sentiment":"neutral","sentiment_score":0.3263225555419922},{"text":"And you're not making any additional contributions through super, otherwise?","start":314.945,"end":318.48502,"sentiment":"neutral","sentiment_score":-0.06067922282963991}],"sentiment":"neutral","sentiment_score":0.03905672728511933,"num_words":37,"start":304.05,"end":318.48502},{"sentences":[{"text":"No.","start":318.865,"end":319.105,"sentiment":"neutral","sentiment_score":-0.013411033898591995},{"text":"Great.","start":319.105,"end":319.505,"sentiment":"neutral","sentiment_score":0.2693040370941162},{"text":"Perfect.","start":319.505,"end":320.005,"sentiment":"neutral","sentiment_score":0.26803869009017944},{"text":"Now when it comes to assets as well, I do wanna make sure I have the updated information because, obviously, I know that you went through and split some of that with your previous partner as well.","start":320.545,"end":334.88,"sentiment":"neutral","sentiment_score":0.0655757571394379},{"text":"So I do wanna check as well that I have the most kind of finalized information.","start":335.34,"end":340.83502,"sentiment":"neutral","sentiment_score":0.05861921259202063}],"sentiment":"neutral","sentiment_score":0.0694311090878078,"num_words":56,"start":318.865,"end":340.83502},{"sentences":[{"text":"Has all the assets and everything, has that all been finalized through the separation?","start":341.215,"end":345.315,"sentiment":"neutral","sentiment_score":0.02251917083880731},{"text":"Almost at the end.","start":348.495,"end":349.535,"sentiment":"neutral","sentiment_score":0.007570867892354727},{"text":"Okay.","start":349.535,"end":350.035,"sentiment":"neutral","sentiment_score":0.014755946584045889},{"text":"So with the property, is that do you have that one, your the PPR?","start":352.02002,"end":358.76,"sentiment":"neutral","sentiment_score":0.008205027801782958},{"text":"The one that's started at 3,700,000?","start":362.58002,"end":365.24002,"sentiment":"neutral","sentiment_score":-0.013575579311388234}],"sentiment":"neutral","sentiment_score":0.010095505724446131,"num_words":39,"start":341.215,"end":365.24002},{"sentences":[{"text":"Yep.","start":366.555,"end":367.055,"sentiment":"neutral","sentiment_score":0.10888224095106123},{"text":"Perfect.","start":367.115,"end":367.515,"sentiment":"neutral","sentiment_score":0.2226475179195404},{"text":"And no remortgage attached to that one?","start":367.515,"end":370.255,"sentiment":"neutral","sentiment_score":0.04393433327121394},{"text":"Perfect.","start":371.675,"end":372.175,"sentiment":"neutral","sentiment_score":0.1041182205080986},{"text":"And is it still valid at about three point seven, or did that yeah.","start":372.315,"end":376.875,"sentiment":"neutral","sentiment_score":0.01581448263355664}],"sentiment":"neutral","sentiment_score":0.04019129454779128,"num_words":24,"start":366.555,"end":376.875},{"sentences":[{"text":"Okay.","start":376.875,"end":377.355,"sentiment":"neutral","sentiment_score":0.09039686620235445},{"text":"Perfect.","start":377.355,"end":377.855,"sentiment":"neutral","sentiment_score":0.17894241213798523},{"text":"Now I have also two investment properties.","start":378.875,"end":382.03998,"sentiment":"neutral","sentiment_score":0.05043217859097889},{"text":"Mhmm.","start":384.41998,"end":384.91998,"sentiment":"neutral","sentiment_score":0.01819426752626896},{"text":"Okay.","start":385.62,"end":386.12,"sentiment":"neutral","sentiment_score":0.02364298328757286}],"sentiment":"neutral","sentiment_score":0.06038197993554852,"num_words":11,"start":376.875,"end":386.12},{"sentences":[{"text":"And is that the one where it was valued at 800 or the $8.60?","start":386.74,"end":393.71997,"sentiment":"neutral","sentiment_score":0.011804604503725256},{"text":"The $8.60.","start":396.825,"end":397.625,"sentiment":"neutral","sentiment_score":-0.005259152967482805},{"text":"You sold that one?","start":397.625,"end":398.685,"sentiment":"neutral","sentiment_score":-0.006402903702110052},{"text":"K.","start":399.145,"end":399.645,"sentiment":"neutral","sentiment_score":0.0005251672118902206},{"text":"Yep.","start":400.665,"end":401.165,"sentiment":"neutral","sentiment_score":0.02335706166923046}],"sentiment":"neutral","sentiment_score":0.0069553077813576565,"num_words":22,"start":386.74,"end":401.165},{"sentences":[{"text":"Okay.","start":401.305,"end":401.785,"sentiment":"neutral","sentiment_score":0.07513018697500229},{"text":"Perfect.","start":401.785,"end":402.285,"sentiment":"neutral","sentiment_score":0.17213064432144165},{"text":"And do you have the other one 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one?","start":426.565,"end":428.58502,"sentiment":"neutral","sentiment_score":0.030599700519815087},{"text":"No.","start":430.005,"end":430.325,"sentiment":"neutral","sentiment_score":-0.06286029517650604},{"text":"Alright.","start":430.325,"end":430.725,"sentiment":"neutral","sentiment_score":0.10931824892759325}],"sentiment":"neutral","sentiment_score":0.09216761336262737,"num_words":14,"start":417.0,"end":430.725},{"sentences":[{"text":"Perfect.","start":430.725,"end":431.225,"sentiment":"positive","sentiment_score":0.3445048928260803},{"text":"I also have a motor vehicle ride at about 60,000, a Toyota.","start":432.48,"end":438.42,"sentiment":"neutral","sentiment_score":0.06248539282629887},{"text":"You still have that one?","start":439.44,"end":440.58002,"sentiment":"neutral","sentiment_score":0.03777593933045864},{"text":"Yep.","start":442.0,"end":442.5,"sentiment":"neutral","sentiment_score":0.21645063161849976},{"text":"Yep.","start":443.28,"end":443.68002,"sentiment":"neutral","sentiment_score":0.2002391666173935}],"sentiment":"neutral","sentiment_score":0.08499495508149266,"num_words":20,"start":430.725,"end":443.68002},{"sentences":[{"text":"Perfect.","start":443.68002,"end":444.0,"sentiment":"positive","sentiment_score":0.4371282160282135},{"text":"And you don't have anything owing on that one, do you?","start":444.0,"end":446.235,"sentiment":"neutral","sentiment_score":0.07294477590105751},{"text":"No.","start":447.03497,"end":447.51498,"sentiment":"neutral","sentiment_score":-0.006676729768514633},{"text":"Great.","start":447.51498,"end":448.01498,"sentiment":"neutral","sentiment_score":0.24450767040252688},{"text":"And also a trailer ride at about 7,000?","start":448.555,"end":451.53497,"sentiment":"neutral","sentiment_score":0.07344649452716112}],"sentiment":"neutral","sentiment_score":0.09386016580868851,"num_words":22,"start":443.68002,"end":451.53497},{"sentences":[{"text":"Yep.","start":453.115,"end":453.615,"sentiment":"neutral","sentiment_score":0.05708552524447441},{"text":"Perfect.","start":453.675,"end":454.175,"sentiment":"neutral","sentiment_score":0.243907630443573},{"text":"Any other assets we haven't gone over that's changed or new access?","start":454.395,"end":459.375,"sentiment":"neutral","sentiment_score":0.03850073910628756},{"text":"Yep.","start":460.84,"end":461.24002,"sentiment":"neutral","sentiment_score":0.03732329234480858},{"text":"Perfect.","start":461.24002,"end":461.74002,"sentiment":"neutral","sentiment_score":0.1241043359041214}],"sentiment":"neutral","sentiment_score":0.057776853325776756,"num_words":16,"start":453.115,"end":461.74002},{"sentences":[{"text":"How many?","start":462.44,"end":463.18002,"sentiment":"neutral","sentiment_score":0.026474040001630783},{"text":"Two more?","start":465.0,"end":465.56,"sentiment":"neutral","sentiment_score":0.020396331325173378},{"text":"Alright.","start":465.56,"end":465.96002,"sentiment":"neutral","sentiment_score":0.09017416089773178},{"text":"Perfect.","start":465.96002,"end":466.36002,"sentiment":"neutral","sentiment_score":0.22992300987243652},{"text":"I've got two.","start":466.36002,"end":467.42,"sentiment":"neutral","sentiment_score":0.11531197528044383}],"sentiment":"neutral","sentiment_score":0.0844193154739009,"num_words":9,"start":462.44,"end":467.42},{"sentences":[{"text":"And how much would you say that they are combined?","start":467.72,"end":471.02002,"sentiment":"neutral","sentiment_score":0.021984963212162256},{"text":"Sorry.","start":475.675,"end":475.91498,"sentiment":"neutral","sentiment_score":-0.03337731957435608},{"text":"Was that 50 or 60?","start":475.91498,"end":477.375,"sentiment":"neutral","sentiment_score":-0.01582891521975398},{"text":"70.","start":477.675,"end":478.175,"sentiment":"neutral","sentiment_score":-0.00016915146261453629},{"text":"Perfect.","start":480.715,"end":481.215,"sentiment":"neutral","sentiment_score":0.13612264394760132}],"sentiment":"neutral","sentiment_score":0.013515623829637965,"num_words":18,"start":467.72,"end":481.215},{"sentences":[{"text":"Anything owing?","start":481.51498,"end":482.335,"sentiment":"neutral","sentiment_score":0.03448663558810949},{"text":"No.","start":483.91498,"end":484.315,"sentiment":"neutral","sentiment_score":-0.04773120582103729},{"text":"Amazing.","start":484.315,"end":484.815,"sentiment":"neutral","sentiment_score":0.05638565123081207},{"text":"Any other liabilities, like personal loans, credit cards, 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case?","start":499.68,"end":500.98,"sentiment":"neutral","sentiment_score":-0.052014851942658424},{"text":"No.","start":502.765,"end":503.165,"sentiment":"neutral","sentiment_score":-0.11308693885803224},{"text":"Perfect.","start":503.165,"end":503.64502,"sentiment":"neutral","sentiment_score":-0.008441459387540817}],"sentiment":"neutral","sentiment_score":-0.020912467457708857,"num_words":21,"start":492.16,"end":503.64502},{"sentences":[{"text":"And when was the last time you had, like, cigarettes?","start":503.64502,"end":507.325,"sentiment":"neutral","sentiment_score":-0.04908467940986157},{"text":"Was that over twelve months ago or within the last twelve months?","start":507.325,"end":510.305,"sentiment":"neutral","sentiment_score":-0.04362362405906121},{"text":"Within perfect.","start":513.085,"end":514.145,"sentiment":"neutral","sentiment_score":0.10944302193820477},{"text":"Let me check here for you.","start":515.77,"end":518.09,"sentiment":"neutral","sentiment_score":0.11733022332191467},{"text":"That's good.","start":518.09,"end":518.99,"sentiment":"positive","sentiment_score":0.43634891510009766}],"sentiment":"neutral","sentiment_score":0.02441359160002321,"num_words":32,"start":503.64502,"end":518.99},{"sentences":[{"text":"Because the reason I do ask is let me just bring up your insurances.","start":519.93,"end":523.87,"sentiment":"neutral","sentiment_score":0.07705249131790229},{"text":"Is that from the insurance point of view, if it's been alright.","start":525.93,"end":531.345,"sentiment":"neutral","sentiment_score":0.027577576460316777},{"text":"Perfect.","start":531.345,"end":531.745,"sentiment":"positive","sentiment_score":0.4587150812149048},{"text":"Now we did have you down here as a nonsmoker, so that's good.","start":531.745,"end":534.485,"sentiment":"neutral","sentiment_score":0.28547840450818723},{"text":"It's just if if it was smokers on the insurances when 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exposed?","start":604.39,"end":606.15,"sentiment":"neutral","sentiment_score":-0.050202724523842335},{"text":"Like, are you involved directly in politics or earn any income from that's perfect.","start":606.15,"end":610.97003,"sentiment":"neutral","sentiment_score":-0.039584591053426266},{"text":"Now when it comes to estate planning as well, I did have a quick look at your nomination on your super account, and I do have Hailey nominated for your super.","start":612.07,"end":621.795,"sentiment":"neutral","sentiment_score":0.07965216160781922},{"text":"So would you like to update that?","start":622.015,"end":624.275,"sentiment":"neutral","sentiment_score":0.0548579389495509}],"sentiment":"neutral","sentiment_score":0.024037973983495525,"num_words":66,"start":597.22504,"end":624.275},{"sentences":[{"text":"Yes.","start":626.335,"end":626.835,"sentiment":"neutral","sentiment_score":0.09161308407783508},{"text":"Now to get them updated, I will get to the team to resend those out to you because you are making a legal nomination.","start":627.695,"end":634.42,"sentiment":"neutral","sentiment_score":0.10942971426993608},{"text":"They do have to be web signed.","start":634.56,"end":636.18,"sentiment":"neutral","sentiment_score":0.05079923463719232},{"text":"Do you have access to a printer, or do you prefer post?","start":636.32,"end":639.86,"sentiment":"neutral","sentiment_score":0.024609983743478853},{"text":"Yep.","start":640.72,"end":641.22,"sentiment":"neutral","sentiment_score":0.06797993183135986}],"sentiment":"neutral","sentiment_score":0.07637379123932786,"num_words":45,"start":626.335,"end":641.22},{"sentences":[{"text":"Perfect.","start":641.6,"end":642.1,"sentiment":"positive","sentiment_score":0.419721782207489},{"text":"It just makes it a bit quicker.","start":642.59503,"end":643.955,"sentiment":"positive","sentiment_score":0.34037598967552185},{"text":"So I will get the team to email you the new form as long with the cover letter as well.","start":643.955,"end":650.135,"sentiment":"neutral","sentiment_score":0.23134769797325133},{"text":"And if you do have any issues on completing them, just let me know.","start":650.59503,"end":654.135,"sentiment":"neutral","sentiment_score":0.16670205018350057},{"text":"Otherwise, I'll get them sent out to you as soon as possible so we can get that updated for you.","start":654.61005,"end":659.51,"sentiment":"neutral","sentiment_score":0.24344291985034944}],"sentiment":"neutral","sentiment_score":0.23599991562866396,"num_words":62,"start":641.6,"end":659.51},{"sentences":[{"text":"Perfect.","start":661.41003,"end":661.91003,"sentiment":"positive","sentiment_score":0.4389342665672302},{"text":"Now the next thing to run over is just some goals.","start":662.77,"end":666.21,"sentiment":"neutral","sentiment_score":0.22340154512362045},{"text":"So stuff that you are working towards that you are kind of wanting to achieve in the near future or long term.","start":666.21,"end":672.32495,"sentiment":"positive","sentiment_score":0.36499421298503876},{"text":"Last time, when you spoke to my colleague, Dana, their focus was to potentially buy another investment property down the track.","start":672.785,"end":680.08496,"sentiment":"neutral","sentiment_score":0.17521996192988895},{"text":"Is that still kind of, a goal of yours?","start":680.305,"end":682.88495,"sentiment":"neutral","sentiment_score":0.24277753631273905}],"sentiment":"neutral","sentiment_score":0.26235689024906605,"num_words":64,"start":661.41003,"end":682.88495},{"sentences":[{"text":"Yep.","start":684.1,"end":684.57996,"sentiment":"neutral","sentiment_score":0.26081591844558716},{"text":"Perfect.","start":684.57996,"end":685.07996,"sentiment":"positive","sentiment_score":0.7324080467224121},{"text":"And do you have any other financial goals or nonfinancial goals that you are kind of working towards?","start":685.54,"end":690.75995,"sentiment":"neutral","sentiment_score":0.2232002334462272},{"text":"Yep.","start":696.675,"end":696.995,"sentiment":"neutral","sentiment_score":0.08216504007577896},{"text":"So just do some renovations or yeah.","start":696.995,"end":700.45496,"sentiment":"neutral","sentiment_score":0.08585936975266252}],"sentiment":"neutral","sentiment_score":0.20335745698373234,"num_words":28,"start":684.1,"end":700.45496},{"sentences":[{"text":"Perfect.","start":700.83496,"end":701.33496,"sentiment":"positive","sentiment_score":0.601300835609436},{"text":"Property.","start":701.71497,"end":702.21497,"sentiment":"positive","sentiment_score":0.3543292284011841},{"text":"Anything else?","start":702.515,"end":703.33496,"sentiment":"neutral","sentiment_score":0.18274904787540436},{"text":"No.","start":704.915,"end":705.235,"sentiment":"neutral","sentiment_score":-0.01237015426158905},{"text":"Okay.","start":705.235,"end":705.635,"sentiment":"neutral","sentiment_score":0.13363856077194214}],"sentiment":"neutral","sentiment_score":0.24039942771196365,"num_words":6,"start":700.83496,"end":705.635},{"sentences":[{"text":"Perfect.","start":705.635,"end":706.135,"sentiment":"positive","sentiment_score":0.4150660037994385},{"text":"Now the next thing I do quickly wanna run over with you is just an updated risk profile questionnaire just to see if we need to make any changes to your risk profile within your superannuation.","start":707.075,"end":718.17,"sentiment":"neutral","sentiment_score":0.13780540683203274},{"text":"So think of these questions as well.","start":719.51,"end":721.27,"sentiment":"neutral","sentiment_score":0.12848640659025737},{"text":"In regards to your superannuation, And at the moment, do you still kind of planning on accessing super at 60 when you can, or do you think you'd yeah.","start":721.27,"end":731.735,"sentiment":"neutral","sentiment_score":0.03310742762325139},{"text":"Perfect.","start":731.735,"end":732.235,"sentiment":"positive","sentiment_score":0.4755660891532898}],"sentiment":"neutral","sentiment_score":0.1042046890015135,"num_words":74,"start":705.635,"end":732.235},{"sentences":[{"text":"And an income of about $1,000 per week, do you think that's sustainable, or do you think you'd wanna draw a bit more?","start":732.45496,"end":739.51495,"sentiment":"neutral","sentiment_score":0.13501024667335593},{"text":"Yeah.","start":739.79004,"end":740.19,"sentiment":"neutral","sentiment_score":0.05966512858867645},{"text":"Perfect.","start":740.19,"end":740.69,"sentiment":"neutral","sentiment_score":0.12287482619285583},{"text":"Yeah.","start":743.63,"end":744.13,"sentiment":"neutral","sentiment_score":-0.06431934982538223},{"text":"And and sometimes it's hard as well because it's it's plenty of time until you turn 60.","start":744.19,"end":750.13,"sentiment":"neutral","sentiment_score":-0.18713424573926365}],"sentiment":"neutral","sentiment_score":0.000980793043624523,"num_words":43,"start":732.45496,"end":750.13},{"sentences":[{"text":"Sorry.","start":750.67004,"end":750.99005,"sentiment":"neutral","sentiment_score":-0.13281945884227753},{"text":"It's also hard sometimes to know.","start":750.99005,"end":752.67004,"sentiment":"neutral","sentiment_score":-0.16755243763327599},{"text":"Okay.","start":752.67004,"end":752.99005,"sentiment":"neutral","sentiment_score":-0.07841118425130844},{"text":"Well, what are my financial situation gonna be like that?","start":752.99005,"end":756.16504,"sentiment":"neutral","sentiment_score":-0.0834492076188326},{"text":"What's inflation?","start":756.16504,"end":756.965,"sentiment":"neutral","sentiment_score":-0.0778193473815918}],"sentiment":"neutral","sentiment_score":-0.11033380199223757,"num_words":20,"start":750.67004,"end":756.965},{"sentences":[{"text":"What things are gonna cost?","start":756.965,"end":758.265,"sentiment":"neutral","sentiment_score":-0.056238746643066405},{"text":"But you're in a really good financial situation asset wise and with your income as well and don't really have any debt to pay out.","start":758.645,"end":766.245,"sentiment":"neutral","sentiment_score":0.29344325363636015},{"text":"So so that's a really good position to be in.","start":766.245,"end":769.14,"sentiment":"positive","sentiment_score":0.46729719638824463},{"text":"Now, Benjamin, have you ever invested in direct shares yourself on the stock market?","start":771.46,"end":777.64,"sentiment":"neutral","sentiment_score":0.043937798855560165},{"text":"No.","start":779.14,"end":779.54004,"sentiment":"neutral","sentiment_score":-0.13630172610282898}],"sentiment":"neutral","sentiment_score":0.22193976417183875,"num_words":55,"start":756.965,"end":779.54004},{"sentences":[{"text":"Perfect.","start":779.54004,"end":780.04004,"sentiment":"neutral","sentiment_score":-0.04684092849493027},{"text":"And in terms of how much risk you are willing to take for your superannuation, would you say that you are willing to accept, you know, very high risk in order to try to grow your super as much as possible?","start":781.14,"end":793.065,"sentiment":"neutral","sentiment_score":-0.13096248122250162},{"text":"Just high risk, a bit more kind of moderate or a small amount of risk.","start":794.085,"end":798.75,"sentiment":"neutral","sentiment_score":-0.2561248352130254},{"text":"It's high.","start":802.51,"end":803.15,"sentiment":"neutral","sentiment_score":-0.032322950661182404},{"text":"Okay.","start":803.15,"end":803.63,"sentiment":"neutral","sentiment_score":0.2329441010951996}],"sentiment":"neutral","sentiment_score":-0.15149794978400072,"num_words":60,"start":779.54004,"end":803.63},{"sentences":[{"text":"Perfect.","start":803.63,"end":804.13,"sentiment":"positive","sentiment_score":0.4438661336898804},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start":806.75,"end":822.47504,"sentiment":"neutral","sentiment_score":-0.22398871794725075},{"text":"Would you, if you had the option to do so, wanna take advantage of that by thinking now is potentially a good time to invest a little bit more while the prices are down, or would you hold and wait to see what happens, or would you want to shift to a more secure asset, but that means then selling while the prices have already dropped?","start":822.935,"end":843.19,"sentiment":"neutral","sentiment_score":-0.08895247480408712},{"text":"Yeah.","start":847.375,"end":847.775,"sentiment":"neutral","sentiment_score":-0.026427090167999268},{"text":"It's a bit hard.","start":847.775,"end":848.915,"sentiment":"neutral","sentiment_score":-0.14906314760446548}],"sentiment":"neutral","sentiment_score":-0.13320033228746406,"num_words":111,"start":803.63,"end":848.915},{"sentences":[{"text":"Yeah.","start":849.855,"end":850.355,"sentiment":"neutral","sentiment_score":-0.08216886222362518},{"text":"Yep.","start":852.655,"end":853.155,"sentiment":"neutral","sentiment_score":0.01294991746544838},{"text":"Okay.","start":853.375,"end":853.775,"sentiment":"neutral","sentiment_score":-0.0036615990102291103},{"text":"So for time depending on the reason being and if it's just general trends in the market, potentially invest that a little bit more.","start":853.775,"end":860.38,"sentiment":"neutral","sentiment_score":-0.019946766473973792},{"text":"Okay.","start":860.38,"end":860.86,"sentiment":"neutral","sentiment_score":0.10102838277816772}],"sentiment":"neutral","sentiment_score":-0.0160919484416289,"num_words":28,"start":849.855,"end":860.86},{"sentences":[{"text":"Perfect.","start":860.86,"end":861.36,"sentiment":"neutral","sentiment_score":0.18282335996627808},{"text":"And the last one here is if you did see some fluctuations in your super or any assets really.","start":862.38,"end":868.16,"sentiment":"neutral","sentiment_score":-0.04331344817029802},{"text":"Now in the last twelve months, we've had obviously a bit of fluctuations in the market.","start":868.38,"end":872.94,"sentiment":"neutral","sentiment_score":-0.12056870013475418},{"text":"So first, you obviously had Trump and tariffs and everything and more recently, the war.","start":872.94,"end":878.045,"sentiment":"neutral","sentiment_score":-0.12517866790294646},{"text":"So we have seen a bit of fluctuation in the market.","start":878.045,"end":880.70496,"sentiment":"neutral","sentiment_score":-0.1343445974317464}],"sentiment":"neutral","sentiment_score":-0.09555970883417514,"num_words":62,"start":860.86,"end":880.70496},{"sentences":[{"text":"If it was something that you noticed, how do you think that would make you feel?","start":881.08496,"end":887.17,"sentiment":"neutral","sentiment_score":-0.049140411196276546},{"text":"Optimistic about potential future opportunities, a bit more cautious, not making further investments, that concerned or highly anxious?","start":887.17,"end":897.26996,"sentiment":"neutral","sentiment_score":-0.2780841841465897},{"text":"Okay.","start":901.665,"end":902.145,"sentiment":"neutral","sentiment_score":-0.1006685346364975},{"text":"So more kind of neutral, not super anxious, but not putting more in.","start":902.145,"end":906.485,"sentiment":"neutral","sentiment_score":-0.09704742637964395},{"text":"Yep.","start":906.625,"end":907.025,"sentiment":"neutral","sentiment_score":0.056854985654354095}],"sentiment":"neutral","sentiment_score":-0.14484065276931743,"num_words":49,"start":881.08496,"end":907.025},{"sentences":[{"text":"Alright.","start":907.025,"end":907.425,"sentiment":"neutral","sentiment_score":0.1036076471209526},{"text":"Perfect.","start":907.425,"end":907.925,"sentiment":"neutral","sentiment_score":0.001640061498619616},{"text":"And now that tells me here that you have come out as a growth investor, and that is exactly that portfolio that we currently have you invested in, which is good.","start":908.465,"end":917.01996,"sentiment":"neutral","sentiment_score":0.32041268050670624},{"text":"Now do you remember what a growth investor is at all?","start":917.32,"end":920.45996,"sentiment":"neutral","sentiment_score":0.03277223624966361},{"text":"Yep.","start":922.92,"end":923.42,"sentiment":"neutral","sentiment_score":0.06446728110313416}],"sentiment":"neutral","sentiment_score":0.23251117075948666,"num_words":45,"start":907.025,"end":923.42},{"sentences":[{"text":"Yeah.","start":924.44,"end":924.76,"sentiment":"neutral","sentiment_score":0.064786396920681},{"text":"No.","start":924.76,"end":925.16,"sentiment":"neutral","sentiment_score":0.02963228151202202},{"text":"So, basically, it's someone who's looking at getting, you know, as much growth as you can out of your superannuation, but you do have plenty of time, and you are prepared to experience, you know, some level of fluctuation in order to achieve that.","start":925.16,"end":938.865,"sentiment":"neutral","sentiment_score":0.08902208896523173},{"text":"So not high growth or aggressive, but some kind of somewhere in the middle where you do still wanna, you know, grow your super.","start":938.865,"end":945.41003,"sentiment":"neutral","sentiment_score":0.11582812697937091},{"text":"And when it comes to an asset allocation point of view, we typically see 80% invested in what we would call your growth assets.","start":946.67004,"end":955.33,"sentiment":"neutral","sentiment_score":0.12041170553614695}],"sentiment":"neutral","sentiment_score":0.10299092099229072,"num_words":94,"start":924.44,"end":955.33},{"sentences":[{"text":"So this would be your Australian shares, international shares, as well as property and commodities, and that is what's going to grow your super.","start":955.615,"end":963.875,"sentiment":"neutral","sentiment_score":0.24288876416782537},{"text":"And then about 20% in defensive, so, like, your cash, your gold, your fixed interest, it limit fluctuations a little bit.","start":963.935,"end":972.11005,"sentiment":"neutral","sentiment_score":0.1217675574478649},{"text":"And when it comes to a time frame, so making sure that you have enough time in the market for those fluctuations.","start":972.81,"end":978.83,"sentiment":"neutral","sentiment_score":0.049870125610720024},{"text":"In a growth portfolio, we typically want to allow at least six years until retirement.","start":979.85004,"end":984.75,"sentiment":"neutral","sentiment_score":0.06309131644666195},{"text":"So from a time frame point of view, you definitely have that behind you as long as you still feel comfortable with, like, the level of fluctuations and being in a growth portfolio.","start":985.395,"end":995.17505,"sentiment":"neutral","sentiment_score":0.10927918530774838}],"sentiment":"neutral","sentiment_score":0.12205369279760381,"num_words":115,"start":955.615,"end":995.17505},{"sentences":[{"text":"You'd still feel happy to stay in a growth portfolio?","start":996.91504,"end":999.335,"sentiment":"neutral","sentiment_score":0.20162236019968988},{"text":"Yeah.","start":999.55505,"end":999.96,"sentiment":"neutral","sentiment_score":0.11353671550750732},{"text":"Amazing.","start":1000.2,"end":1000.7,"sentiment":"positive","sentiment_score":0.5307571887969971},{"text":"Yeah.","start":1000.92004,"end":1001.24005,"sentiment":"positive","sentiment_score":0.34721848368644714},{"text":"Perfect.","start":1001.24005,"end":1001.74005,"sentiment":"positive","sentiment_score":0.3881351947784424}],"sentiment":"neutral","sentiment_score":0.2425622274833066,"num_words":14,"start":996.91504,"end":1001.74005},{"sentences":[{"text":"Now are you driving at the moment, or do you have access to your emails?","start":1002.84,"end":1006.62,"sentiment":"neutral","sentiment_score":0.06586681058009465},{"text":"Yeah.","start":1008.2,"end":1008.52,"sentiment":"neutral","sentiment_score":0.06926239281892776},{"text":"Okay.","start":1008.52,"end":1008.76,"sentiment":"neutral","sentiment_score":0.1589914858341217},{"text":"Perfect.","start":1008.76,"end":1009.24005,"sentiment":"neutral","sentiment_score":0.27106717228889465},{"text":"So if you are happy for me to do so, I'll just kind of quickly run through a couple of documents.","start":1009.24005,"end":1014.54004,"sentiment":"neutral","sentiment_score":0.21740572438353584}],"sentiment":"neutral","sentiment_score":0.15520111337686196,"num_words":39,"start":1002.84,"end":1014.54004},{"sentences":[{"text":"And then later, when it is obviously safe for you to do so and when you have a moment, just have a look through the documents.","start":1015.005,"end":1022.60504,"sentiment":"neutral","sentiment_score":0.18675087564266646},{"text":"So I have to send you an email with the documents.","start":1022.60504,"end":1025.005,"sentiment":"neutral","sentiment_score":0.1575694578615102},{"text":"I'll just kind of briefly go through with you.","start":1025.005,"end":1027.265,"sentiment":"neutral","sentiment_score":0.18656536274486119},{"text":"And, yeah, if you do have any questions later, let me know.","start":1027.3251,"end":1030.305,"sentiment":"neutral","sentiment_score":0.11269222386181355},{"text":"And, yeah, just so don't want you doing anything if it's not safe to do so.","start":1031.3099,"end":1036.85,"sentiment":"negative","sentiment_score":-0.4758385121822357}],"sentiment":"neutral","sentiment_score":0.027118453504265966,"num_words":74,"start":1015.005,"end":1036.85},{"sentences":[{"text":"So, basically, when you do have a look at the email, before you click on the link where it says sign now, at the bottom of the email, you will see a couple of attachments.","start":1037.15,"end":1046.615,"sentiment":"neutral","sentiment_score":0.016835032496601343},{"text":"Now it might look a little bit different, the email, to what you were used to before because we recently have changed the software.","start":1046.995,"end":1053.495,"sentiment":"neutral","sentiment_score":-0.06843085920748611},{"text":"So before you click on the link at the bottom, that's all your supporting documents.","start":1053.955,"end":1058.0549,"sentiment":"neutral","sentiment_score":0.016270296275615694},{"text":"So what you will see is you will see through through documents first, which is a financial services site and an OQ services site.","start":1058.1799,"end":1066.6,"sentiment":"neutral","sentiment_score":0.05139978757749001},{"text":"Now you would have seen this one before.","start":1066.74,"end":1068.5,"sentiment":"neutral","sentiment_score":0.04197785910218954}],"sentiment":"neutral","sentiment_score":0.007173186181253701,"num_words":106,"start":1037.15,"end":1068.5},{"sentences":[{"text":"It's just a bit of an updated document.","start":1068.5,"end":1071.0751,"sentiment":"neutral","sentiment_score":0.0489673123229295},{"text":"It's one of those compliance documents, but it does give you all the important information regarding us here at OCU.","start":1071.2151,"end":1077.635,"sentiment":"neutral","sentiment_score":0.16403278149664402},{"text":"None of the fundamental information has changed, but we've had a bit of an extension to the team, which is good.","start":1077.775,"end":1083.12,"sentiment":"neutral","sentiment_score":0.24511958995745295},{"text":"So all the information about the team, our directors and advisers and everything, that's all in that document for you.","start":1083.28,"end":1089.14,"sentiment":"neutral","sentiment_score":0.2912088342010975},{"text":"Now you will also have a summary form.","start":1090.72,"end":1094.98,"sentiment":"neutral","sentiment_score":0.16959355771541595}],"sentiment":"neutral","sentiment_score":0.2078029956281572,"num_words":77,"start":1068.5,"end":1094.98},{"sentences":[{"text":"So that will be a super and insurance summary.","start":1095.6951,"end":1099.635,"sentiment":"neutral","sentiment_score":0.1852370939320988},{"text":"And when you do have a look at that, you will see that you do have your super would have 24.","start":1100.735,"end":1107.875,"sentiment":"neutral","sentiment_score":0.143908376849833},{"text":"Now you do have about a $132,171 in there.","start":1108.3999,"end":1114.34,"sentiment":"neutral","sentiment_score":0.11523575252956814},{"text":"Now you also have your insurances with Zurich.","start":1115.5199,"end":1118.1799,"sentiment":"neutral","sentiment_score":0.10662032756954432},{"text":"So for your life and total permanent disability, you have $1,414,618 worth of life and KPD.","start":1118.7999,"end":1130.085,"sentiment":"neutral","sentiment_score":0.10252846777439117}],"sentiment":"neutral","sentiment_score":0.13047221645949378,"num_words":63,"start":1095.6951,"end":1130.085},{"sentences":[{"text":"Now are you still happy with that level of cover for your life and KPD?","start":1131.025,"end":1136.325,"sentiment":"neutral","sentiment_score":0.13945863644282022},{"text":"Yeah.","start":1138.28,"end":1138.6,"sentiment":"neutral","sentiment_score":0.23393283784389496},{"text":"Yeah.","start":1138.6,"end":1139.08,"sentiment":"positive","sentiment_score":0.3597366213798523},{"text":"Perfect.","start":1139.08,"end":1139.58,"sentiment":"positive","sentiment_score":0.48892396688461304},{"text":"Now you also have an income protection policy, and that will pay you a monthly amount of 6,326.","start":1139.96,"end":1149.315,"sentiment":"neutral","sentiment_score":0.1890255365934637}],"sentiment":"neutral","sentiment_score":0.18269257309536138,"num_words":36,"start":1131.025,"end":1149.315},{"sentences":[{"text":"You do have a thirty day waiting period and a five year benefit period.","start":1149.715,"end":1156.215,"sentiment":"neutral","sentiment_score":0.12704824762684958},{"text":"Now all those three are paid from superannuation.","start":1156.6749,"end":1160.375,"sentiment":"neutral","sentiment_score":0.061742362100631},{"text":"And after the tax rebate, that is $1,915.","start":1161.1549,"end":1166.95,"sentiment":"neutral","sentiment_score":0.06557412771508098},{"text":"Now with your income protection as well, because your income have increased, you are a little bit underinsured at the moment for the income protection.","start":1168.77,"end":1178.295,"sentiment":"neutral","sentiment_score":-0.19242168307304383},{"text":"Doesn't mean you have to change it because it also depends on if you feel that 6,326 is sufficient to meet your expenses or whether you would like to increase it.","start":1178.775,"end":1190.61,"sentiment":"neutral","sentiment_score":0.009703866716834807}],"sentiment":"neutral","sentiment_score":-0.019912963061658448,"num_words":86,"start":1149.715,"end":1190.61},{"sentences":[{"text":"So, basically, with the income protection, you can have up to 70% of your income covered.","start":1190.69,"end":1195.59,"sentiment":"neutral","sentiment_score":0.11819360870867968},{"text":"So you could technically be covered up to 8,166 a month.","start":1196.13,"end":1201.91,"sentiment":"neutral","sentiment_score":0.10998372462662784},{"text":"Obviously, by increasing it, it's going to increase the premium, and we'll have to go through, like, a full underwriting process again because the insurers will take on more risk.","start":1202.45,"end":1212.795,"sentiment":"neutral","sentiment_score":-0.011904728971421719},{"text":"So they would like to, you know, reassess everything again.","start":1212.795,"end":1216.255,"sentiment":"neutral","sentiment_score":0.018568661250174045},{"text":"Would you like to look at changing it, or do you think that six three will meet your happy to state?","start":1216.81,"end":1223.85,"sentiment":"neutral","sentiment_score":0.07817648191537176}],"sentiment":"neutral","sentiment_score":0.05194510879333724,"num_words":88,"start":1190.69,"end":1223.85},{"sentences":[{"text":"Great.","start":1223.85,"end":1224.3301,"sentiment":"positive","sentiment_score":0.6382404565811157},{"text":"Perfect.","start":1224.3301,"end":1224.8301,"sentiment":"positive","sentiment_score":0.6057953834533691},{"text":"Now you do also have a personal investment account, and that is, joint obviously with, your previous partner.","start":1225.4501,"end":1235.385,"sentiment":"neutral","sentiment_score":0.18675535006655586},{"text":"So with that as well, you do have, a $171,094 in there.","start":1235.4451,"end":1243.26,"sentiment":"neutral","sentiment_score":0.17834248517950377},{"text":"Now because it's obviously joined in both of your names, but, Haley is the account owner on the account.","start":1244.06,"end":1254.0,"sentiment":"neutral","sentiment_score":0.04653709636707055}],"sentiment":"neutral","sentiment_score":0.14960679988942893,"num_words":51,"start":1223.85,"end":1254.0},{"sentences":[{"text":"So do you know if the personal investment account of being split or changed or what your kind of goal is?","start":1254.14,"end":1265.035,"sentiment":"neutral","sentiment_score":-0.0007498930873615402},{"text":"Yes.","start":1268.295,"end":1268.6951,"sentiment":"neutral","sentiment_score":0.040136586874723434},{"text":"The only way, though, is that she would have to sign the document to approve it.","start":1268.6951,"end":1276.77,"sentiment":"neutral","sentiment_score":0.013630692730657756},{"text":"So I know that we can get those forms drawn up.","start":1276.99,"end":1282.05,"sentiment":"neutral","sentiment_score":0.010836664079265161},{"text":"And just a conflict of interest, I obviously can't be her adviser or deal with her because I'm just looking after your needs.","start":1283.15,"end":1290.505,"sentiment":"neutral","sentiment_score":-0.15123162361914697}],"sentiment":"neutral","sentiment_score":-0.043286723925525114,"num_words":72,"start":1254.14,"end":1290.505},{"sentences":[{"text":"But one of my colleagues, Tommy, is looking after her account.","start":1290.505,"end":1294.4249,"sentiment":"neutral","sentiment_score":-0.008513690903782845},{"text":"So I can liaise with him and say that you would like to look at getting that changed over to your account name.","start":1294.4249,"end":1303.14,"sentiment":"neutral","sentiment_score":0.02043787398092125},{"text":"And then when he has the under review with her, he can let her know that that's what you would like to do, and then we can take it from there.","start":1303.68,"end":1312.56,"sentiment":"neutral","sentiment_score":0.10710274307958541},{"text":"If she's happy with that, we can then get a form authorized through to get that sorted.","start":1312.56,"end":1318.335,"sentiment":"neutral","sentiment_score":0.1251043554614572},{"text":"If she comes back and says differently, then I can give you a call, and then we can see what we can do.","start":1319.595,"end":1327.215,"sentiment":"neutral","sentiment_score":-0.0035836434234743533}],"sentiment":"neutral","sentiment_score":0.05467576934468178,"num_words":105,"start":1290.505,"end":1327.215},{"sentences":[{"text":"But we can yeah.","start":1327.6749,"end":1329.375,"sentiment":"neutral","sentiment_score":0.07536846399307251},{"text":"Yes.","start":1332.06,"end":1332.4601,"sentiment":"neutral","sentiment_score":0.10234180092811584},{"text":"It is exactly.","start":1332.4601,"end":1333.6001,"sentiment":"neutral","sentiment_score":0.08241323133309682},{"text":"Exactly.","start":1335.02,"end":1335.52,"sentiment":"neutral","sentiment_score":0.0533701628446579},{"text":"Unless you guys are planning on, you know, changing anything there.","start":1335.74,"end":1339.28,"sentiment":"neutral","sentiment_score":-0.06156368248841979}],"sentiment":"neutral","sentiment_score":0.0013612503185868262,"num_words":20,"start":1327.6749,"end":1339.28},{"sentences":[{"text":"No.","start":1341.915,"end":1342.415,"sentiment":"neutral","sentiment_score":-0.19039447605609897},{"text":"No.","start":1344.9551,"end":1345.4551,"sentiment":"neutral","sentiment_score":-0.2123092859983444},{"text":"Yeah.","start":1346.155,"end":1346.655,"sentiment":"neutral","sentiment_score":-0.018038254231214523},{"text":"It's just at the moment.","start":1346.795,"end":1347.8351,"sentiment":"neutral","sentiment_score":-0.017207276076078415},{"text":"Yeah.","start":1347.8351,"end":1347.995,"sentiment":"neutral","sentiment_score":0.02359237894415855}],"sentiment":"neutral","sentiment_score":-0.05368733530243238,"num_words":9,"start":1341.915,"end":1347.995},{"sentences":[{"text":"Because she's the account older owner.","start":1347.995,"end":1350.3351,"sentiment":"neutral","sentiment_score":-0.0007191975601017475},{"text":"Like, when it comes to, like, the fee agreement, that would all kind of go to her at the moment.","start":1352.3151,"end":1356.4751,"sentiment":"neutral","sentiment_score":0.01455606073141098},{"text":"And, also, if making any changes on the account and stuff like that, would obviously have to be, a joint discussion as well.","start":1356.4751,"end":1366.0701,"sentiment":"neutral","sentiment_score":-0.007458666703947212},{"text":"Yeah.","start":1366.53,"end":1366.85,"sentiment":"neutral","sentiment_score":0.11865772306919098},{"text":"Okay.","start":1366.85,"end":1367.25,"sentiment":"neutral","sentiment_score":0.12378525733947754}],"sentiment":"neutral","sentiment_score":0.007013719127166505,"num_words":51,"start":1347.995,"end":1367.25},{"sentences":[{"text":"Yep.","start":1367.25,"end":1367.75,"sentiment":"neutral","sentiment_score":0.12028443813323976},{"text":"Yeah.","start":1369.985,"end":1370.305,"sentiment":"neutral","sentiment_score":0.06427944451570511},{"text":"No.","start":1370.305,"end":1370.545,"sentiment":"neutral","sentiment_score":0.05322091653943062},{"text":"That makes sense.","start":1370.545,"end":1371.4451,"sentiment":"neutral","sentiment_score":0.10936744511127472},{"text":"And I try to look at that.","start":1372.7051,"end":1373.745,"sentiment":"neutral","sentiment_score":0.10719845869711467}],"sentiment":"neutral","sentiment_score":0.1012520265693848,"num_words":13,"start":1367.25,"end":1373.745},{"sentences":[{"text":"So, yeah, I will speak to my colleague and see if we can get that sorted, and then I will just kind of keep you in the loop with when he's spoken, yeah, to to her and stuff.","start":1373.745,"end":1385.81,"sentiment":"neutral","sentiment_score":0.2971263735702163},{"text":"So when it comes through your portfolio as well, so both of them actually.","start":1385.81,"end":1390.63,"sentiment":"neutral","sentiment_score":0.18487390875816345},{"text":"So when it comes to first your your student graduation, so in the documents, you will see a twelve month performance report.","start":1391.25,"end":1400.915,"sentiment":"neutral","sentiment_score":0.16014837609096008},{"text":"Now that is of your superannuation.","start":1400.915,"end":1402.6951,"sentiment":"neutral","sentiment_score":0.19446354607741037},{"text":"So that tells us, kind of like I touched on earlier, we have obviously seen a bit of fluctuations in the market the last twelve months.","start":1403.635,"end":1409.58,"sentiment":"neutral","sentiment_score":0.08806160923380119}],"sentiment":"neutral","sentiment_score":0.1967800406493106,"num_words":106,"start":1373.745,"end":1409.58},{"sentences":[{"text":"But despite all of that, your portfolio has held up really well.","start":1410.22,"end":1413.6799,"sentiment":"positive","sentiment_score":0.3520612219969432},{"text":"So in the last twelve months, now after all fees have been deducted from your account, your portfolio in super has still gone up by 9.8%.","start":1413.8999,"end":1424.5599,"sentiment":"positive","sentiment_score":0.4798926298434918},{"text":"We're quite happy with that given what's happened in the market.","start":1425.855,"end":1429.395,"sentiment":"positive","sentiment_score":0.6945014812729575},{"text":"Now having a bit of a look at your investments as well because it is something we obviously research all the time to make sure that we do have you invested in the best options possible because things are always changing.","start":1429.935,"end":1442.29,"sentiment":"neutral","sentiment_score":0.05367155195918025},{"text":"Now one of the investments in your portfolio, which is your Benelon Australian Equity, has underperformed a little bit recently.","start":1442.9901,"end":1452.2101,"sentiment":"neutral","sentiment_score":-0.08981394954025745}],"sentiment":"neutral","sentiment_score":0.2249610361219807,"num_words":110,"start":1410.22,"end":1452.2101},{"sentences":[{"text":"They've been a little bit slower with making their investment choices as well.","start":1452.43,"end":1456.635,"sentiment":"neutral","sentiment_score":-0.27265298251922315},{"text":"And the purpose behind this investment is to actively buy and sell different investments in order to try to outperform the market.","start":1457.335,"end":1464.315,"sentiment":"neutral","sentiment_score":-0.04871225602586161},{"text":"But like I said, they've been a little bit slower with making those choices and have underperformed a bit recently.","start":1464.7749,"end":1470.55,"sentiment":"neutral","sentiment_score":-0.2248319625854492},{"text":"So what I would like to do, if you are happy for me to do so, it's to just do a little bit of research on, an alternative option and see if we can switch that out for you.","start":1471.01,"end":1480.9501,"sentiment":"neutral","sentiment_score":0.06750606745481491},{"text":"And yeah.","start":1481.7051,"end":1483.145,"sentiment":"neutral","sentiment_score":0.0929124504327774}],"sentiment":"neutral","sentiment_score":-0.06556495963983859,"num_words":96,"start":1452.43,"end":1483.145},{"sentences":[{"text":"So it will kind of be a similar, obviously.","start":1483.145,"end":1485.0651,"sentiment":"neutral","sentiment_score":0.15309977034727731},{"text":"It won't change the front foundation of your portfolio.","start":1485.0651,"end":1487.645,"sentiment":"neutral","sentiment_score":0.0559027927617232},{"text":"We'll still obviously, if we're replacing an Australian investment, we won't obviously keep it in the Australian through keeping your whole portfolio diversified.","start":1488.025,"end":1495.165,"sentiment":"neutral","sentiment_score":0.0716223847930846},{"text":"But we've done a lot of research on different options, and there is one which has performed a little bit better and it's a little bit cheaper.","start":1496.37,"end":1503.99,"sentiment":"neutral","sentiment_score":0.2178749571795817},{"text":"So I will just triple check that that's aligning with your account.","start":1504.53,"end":1507.89,"sentiment":"neutral","sentiment_score":0.24501721312602362}],"sentiment":"neutral","sentiment_score":0.15438960399478674,"num_words":80,"start":1483.145,"end":1507.89},{"sentences":[{"text":"And if so, if you're happy for me to do so, I will go ahead and make the change, just that one investment, and I will send you a record of advice to outline what the change is as well just for your reference.","start":1507.89,"end":1521.995,"sentiment":"neutral","sentiment_score":0.2330676909874786},{"text":"Yeah.","start":1523.51,"end":1523.9099,"sentiment":"neutral","sentiment_score":0.30727049708366394},{"text":"Perfect.","start":1523.9099,"end":1524.4099,"sentiment":"positive","sentiment_score":0.4815153181552887},{"text":"You don't need to sign it or anything like that, but I will send it to you anyway so that you have it on your record so you know that change.","start":1524.5499,"end":1532.33,"sentiment":"neutral","sentiment_score":0.28193870162771595},{"text":"Yeah.","start":1533.6699,"end":1534.07,"sentiment":"neutral","sentiment_score":0.22623223066329956}],"sentiment":"neutral","sentiment_score":0.25653969486936545,"num_words":78,"start":1507.89,"end":1534.07},{"sentences":[{"text":"Perfect.","start":1534.07,"end":1534.47,"sentiment":"positive","sentiment_score":0.3695679306983948},{"text":"No.","start":1534.47,"end":1534.71,"sentiment":"neutral","sentiment_score":0.17485815286636353},{"text":"That's okay.","start":1534.71,"end":1535.53,"sentiment":"neutral","sentiment_score":0.22672812640666962},{"text":"Now with the personal investment account, that one has done really well as well.","start":1536.5651,"end":1543.0651,"sentiment":"positive","sentiment_score":0.5543552190065384},{"text":"And after fees, it's been 14.32%.","start":1543.925,"end":1548.5851,"sentiment":"positive","sentiment_score":0.360574871301651}],"sentiment":"positive","sentiment_score":0.4550960262616475,"num_words":24,"start":1534.07,"end":1548.5851},{"sentences":[{"text":"So it's done really well as well.","start":1548.9651,"end":1550.91,"sentiment":"positive","sentiment_score":0.5715794691017696},{"text":"Now it is the same one, which you do have been along invested in that account.","start":1550.91,"end":1555.0901,"sentiment":"neutral","sentiment_score":0.32764543080702424},{"text":"So, again, if you are happy for me to do so, I can get that switched out.","start":1556.43,"end":1561.7101,"sentiment":"positive","sentiment_score":0.4136143765028785},{"text":"Now I will just have to speak to my colleague as well just to confirm that, obviously, Haley's happy with the same thing.","start":1561.7101,"end":1567.285,"sentiment":"positive","sentiment_score":0.46687671283017035},{"text":"And then we can issue individual record of advice as well to show that change.","start":1567.665,"end":1573.285,"sentiment":"neutral","sentiment_score":0.2669149855772654}],"sentiment":"positive","sentiment_score":0.3976502148195719,"num_words":78,"start":1548.9651,"end":1573.285},{"sentences":[{"text":"Yep.","start":1574.7051,"end":1575.185,"sentiment":"positive","sentiment_score":0.4058956503868103},{"text":"Great.","start":1575.185,"end":1575.5851,"sentiment":"positive","sentiment_score":0.8079546689987183},{"text":"Perfect.","start":1575.5851,"end":1576.0851,"sentiment":"positive","sentiment_score":0.7368861436843872},{"text":"Now the other two documents you will see is just your Zurich certificate of currency.","start":1577.04,"end":1581.8601,"sentiment":"neutral","sentiment_score":0.2987552305062612},{"text":"It just basically breaks down the insurances we touched on already, but just lets you know that's all paid and up to date.","start":1582.16,"end":1588.8201,"sentiment":"neutral","sentiment_score":0.3230738367723382}],"sentiment":"positive","sentiment_score":0.3381161747909174,"num_words":41,"start":1574.7051,"end":1588.8201},{"sentences":[{"text":"And then the last two documents is that when you if you're happy to do so, when you click on the link process sign now, it will ask you to sign two documents.","start":1590.8551,"end":1600.795,"sentiment":"neutral","sentiment_score":0.2336548205577966},{"text":"Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain and stay on as a client.","start":1601.9601,"end":1610.06,"sentiment":"neutral","sentiment_score":0.3228333426846398},{"text":"Now there is no changes in regards to the fee structure, So that stays exactly the same at 1.1 from superannuation, so no changes in regards to that.","start":1610.68,"end":1622.595,"sentiment":"neutral","sentiment_score":0.0616076315886208},{"text":"And this is not a lock in contract.","start":1623.135,"end":1624.975,"sentiment":"neutral","sentiment_score":-0.006712322123348713},{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1624.975,"end":1628.835,"sentiment":"neutral","sentiment_score":-0.013058492366005392}],"sentiment":"neutral","sentiment_score":0.1581984961784519,"num_words":113,"start":1590.8551,"end":1628.835},{"sentences":[{"text":"But, otherwise, these documents just let us service your account and everything in the meantime.","start":1629.39,"end":1633.65,"sentiment":"neutral","sentiment_score":0.22067009508609772},{"text":"And then the last one, it is just a compliance form.","start":1636.1901,"end":1638.8301,"sentiment":"neutral","sentiment_score":0.1237794973633506},{"text":"It's just a tax file number to say that we are keeping your tax file number secure and safe on file.","start":1638.8301,"end":1644.37,"sentiment":"neutral","sentiment_score":0.20683295599051885},{"text":"Did that all make sense?","start":1645.855,"end":1646.975,"sentiment":"neutral","sentiment_score":0.1486475348472595},{"text":"Do you have any questions?","start":1646.975,"end":1648.195,"sentiment":"neutral","sentiment_score":0.05420800745487213}],"sentiment":"neutral","sentiment_score":0.17595431025613817,"num_words":57,"start":1629.39,"end":1648.195},{"sentences":[{"text":"No.","start":1649.295,"end":1649.775,"sentiment":"neutral","sentiment_score":0.04000529274344444},{"text":"Okay.","start":1649.775,"end":1650.255,"sentiment":"neutral","sentiment_score":0.13738787174224854},{"text":"Perfect.","start":1650.255,"end":1650.755,"sentiment":"neutral","sentiment_score":0.2964697778224945},{"text":"So like I said, when it's safe for for you to do so, when you have a moment, have a look through the documents.","start":1651.055,"end":1656.115,"sentiment":"neutral","sentiment_score":0.21578707359731197},{"text":"If you have any questions, let me know, and we can always I can always give you a call and go through anything.","start":1656.175,"end":1661.94,"sentiment":"neutral","sentiment_score":0.19342211342376212}],"sentiment":"neutral","sentiment_score":0.20202922634780407,"num_words":50,"start":1649.295,"end":1661.94},{"sentences":[{"text":"But if not, if it all makes sense and you are happy with it, I'll just need you to sign those documents.","start":1661.94,"end":1667.64,"sentiment":"neutral","sentiment_score":0.2749219191345302},{"text":"Once you've added your signature and date, it will then send it back to me, and I can get the team to upload and get that all sorted for you.","start":1667.7799,"end":1677.345,"sentiment":"neutral","sentiment_score":0.2543598291774591},{"text":"In the meantime, I will also get the the team to email you this beneficiary form so we can get that updated and sorted for you.","start":1677.725,"end":1685.25,"sentiment":"neutral","sentiment_score":0.20820963124816233},{"text":"And I will speak to my colleague, Tommy, as well in regards to trying to get that ownership changed to your name, and then keep a lookout for that record of advice to show the investment change as well.","start":1685.41,"end":1696.95,"sentiment":"neutral","sentiment_score":0.1694254273405442},{"text":"Yes.","start":1697.985,"end":1698.385,"sentiment":"positive","sentiment_score":0.425300806760788}],"sentiment":"neutral","sentiment_score":0.22140186425235311,"num_words":118,"start":1661.94,"end":1698.385},{"sentences":[{"text":"Perfect.","start":1698.385,"end":1698.885,"sentiment":"positive","sentiment_score":0.6886187791824341},{"text":"Now do you have any questions or anything else for me before I let you go otherwise then, No.","start":1699.265,"end":1705.265,"sentiment":"neutral","sentiment_score":0.11509952654964045},{"text":"Okay.","start":1705.265,"end":1705.765,"sentiment":"neutral","sentiment_score":0.05786164477467537},{"text":"Perfect.","start":1705.985,"end":1706.465,"sentiment":"positive","sentiment_score":0.5261138677597046},{"text":"Well, I will let you go and enjoy the rest of your afternoon.","start":1706.465,"end":1708.785,"sentiment":"positive","sentiment_score":0.6435547608595628}],"sentiment":"positive","sentiment_score":0.33787706249526567,"num_words":35,"start":1698.385,"end":1708.785},{"sentences":[{"text":"If there is anything else that you need though at any point in time, don't hesitate to give me a call.","start":1708.785,"end":1713.24,"sentiment":"neutral","sentiment_score":0.1476709083432243},{"text":"No problem at all.","start":1715.88,"end":1716.6,"sentiment":"positive","sentiment_score":0.4597952887415886},{"text":"We'll speak soon.","start":1716.6,"end":1717.58,"sentiment":"positive","sentiment_score":0.38189999262491864},{"text":"You too.","start":1719.4,"end":1719.88,"sentiment":"neutral","sentiment_score":0.27952146530151367},{"text":"Bye.","start":1719.88,"end":1720.38,"sentiment":"neutral","sentiment_score":-0.125200092792511}],"sentiment":"neutral","sentiment_score":0.21031654986643022,"num_words":31,"start":1708.785,"end":1720.38}]}}]},{"alternatives":[{"transcript":"Hello. Ben speaking. Yep. Still good. Fine. Yep. That's fine. I have Benjamin Jones plea. Hang on twenty fifth and twelve. Don't mind anyone. 281 Church Lane, Castle Lane. K. Not too bad. Thank you. Yours? Yeah. Nothing specific from my end. Mhmm. That's correct. Yes. Mhmm. And then did that remain confidential? Yeah. Yeah. I have someone I can use for my Next and PIN. Yeah. Yeah. Tony. Yep. Baker. Yep. 00433 218 791. Mhmm. What do you what do you have on file? And does it say company? No. So that's yeah. So it's a property services manager. It's at age aged care. Two years ago. I I paid the bills. Yes, ma'am. Again. How much was that? Sorry. 15. Yep. And that's both both. Got 100 and and then 140. Yep. No. No. No. I do, but not right off the top of my head. It is written down. Yes. I do. K. Yeah. It does. Depending on what might come up. Yeah. Exactly. Yes. That's right. No. Not at this stage. No. It's almost at the end of it. Yes. Mhmm. For for which one? Sorry. Yes. I have that one. No. Yes. Yes. It is. Yeah. I've I've sold one of them. Yep. The $8.60. Yeah. It was a it was yeah. It was all that property. I guess that's what the the ex is living in. I I write it still. Yes. It's now 9 at $9.50. Yeah. No. That's normal. Mhmm. Yep. Yeah. Yeah. That's yeah. I do still like that one. No. No. Yep. Still want that one. I do have other vehicles. Two. The combined, maybe 60. 70 to 70. Combined, say 70 combined. No. No. No loans. No debts. No. Probably probably within that. Yeah. Mhmm. No. That's okay. No. Yes. I do. Yes. It is. No. That's exactly right. No. Say that again. Sorry. No. Yeah. I will. Yes. I do. No. No. I do. Mhmm. Perfect. Yes. Yeah. Yes. It is. Yeah. Obviously, you wanna add more to the property I already live on. Yeah. That's correct. That's it. Yep. Yes. Yeah. I think so. No. If that's that's sort of the going right up first step. Yeah. Exactly. Mhmm. No. Let's check on the Antonine. Yeah. Well, it depends on if it's likely to climb again. But otherwise, yeah, you could invest more while it's low. Mhmm. Yeah. Exactly. Yeah. Mhmm. I'd probably not be trying to invest anymore at the moment. Yeah. Yeah. Just sort of skin and white. Yeah. Yeah. Yeah. Mhmm. Bagley. Very Bailey. Yeah. Yeah. That's fine. No. I am, Julie. Yep. No worries. Mhmm. Mhmm. Yeah. That's fine. Mhmm. Mhmm. Mhmm. Yeah. I'm happy to stay. Mhmm. Yes. Mhmm. No. Is there is there a way that we can get the owner changed? Yeah. Yeah. Mhmm. No. No. Of course. Yeah. Yep. Yep. Mhmm. Yep. Yep. Yeah. Private. Yep. Yep. Mhmm. Yeah. That's that's fine. And then it will still remain joint signatories anyway to do anything with the money. Yeah. No. Not at this not at this stage, but, yeah, she can't do anything with it anyway without my approval. Yeah. Yeah. Yeah. That that that's fine. That's fine. It's just that I'm the one that funds it, so I wanna own it. Yeah. I'm glad to be appreciated. Mhmm. Yeah. Yep. Yep. Yep. Yeah. Perfect. Thank you. Yeah. Yeah. That's fine. Yeah. No worries. Perfect. Mhmm. Got it. Yes. That that all makes sense. Mhmm. No worries. No. Nothing nothing for me. Nothing for me. No worries. Thank you very much for your time. Take care. 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Ben speaking. Yep. Still good. Fine.\n\nYep. That's fine. I have Benjamin Jones plea. Hang on twenty fifth and twelve. Don't mind anyone.\n\n281 Church Lane, Castle Lane. K. Not too bad. Thank you. Yours?\n\nYeah. Nothing specific from my end. Mhmm. That's correct. Yes.\n\nMhmm. And then did that remain confidential? Yeah. Yeah. I have someone I can use for my Next and PIN.\n\nYeah. Yeah. Tony. Yep. Baker.\n\nYep. 00433 218 791. Mhmm. What do you what do you have on file? And does it say company?\n\nNo. So that's yeah. So it's a property services manager. It's at age aged care. Two years ago.\n\nI I paid the bills. Yes, ma'am. Again. How much was that? Sorry.\n\n15. Yep. And that's both both. Got 100 and and then 140. Yep.\n\nNo. No. No. I do, but not right off the top of my head. It is written down.\n\nYes. I do. K. Yeah. It does.\n\nDepending on what might come up. Yeah. Exactly. Yes. That's right.\n\nNo. Not at this stage. No. It's almost at the end of it. Yes.\n\nMhmm. For for which one? Sorry. Yes. I have that one.\n\nNo. Yes. Yes. It is. Yeah.\n\nI've I've sold one of them. Yep. The $8.60. Yeah. It was a it was yeah.\n\nIt was all that property. I guess that's what the the ex is living in. I I write it still. Yes. It's now 9 at $9.50.\n\nYeah. No. That's normal. Mhmm. Yep.\n\nYeah. Yeah. That's yeah. I do still like that one. No.\n\nNo. Yep. Still want that one. I do have other vehicles. Two.\n\nThe combined, maybe 60. 70 to 70. Combined, say 70 combined. No. No.\n\nNo loans. No debts. No. Probably probably within that. Yeah.\n\nMhmm. No. That's okay. No. Yes.\n\nI do. Yes. It is. No. That's exactly right.\n\nNo. Say that again. Sorry. No. Yeah.\n\nI will. Yes. I do. No. No.\n\nI do. Mhmm. Perfect. Yes. Yeah.\n\nYes. It is. Yeah. Obviously, you wanna add more to the property I already live on. Yeah.\n\nThat's correct. That's it. Yep. Yes. Yeah.\n\nI think so. No. If that's that's sort of the going right up first step. Yeah. Exactly.\n\nMhmm. No. Let's check on the Antonine. Yeah. Well, it depends on if it's likely to climb again.\n\nBut otherwise, yeah, you could invest more while it's low. Mhmm. Yeah. Exactly. Yeah.\n\nMhmm. I'd probably not be trying to invest anymore at the moment. Yeah. Yeah. Just sort of skin and white.\n\nYeah. Yeah. Yeah. Mhmm. Bagley.\n\nVery Bailey. Yeah. Yeah. That's fine. No.\n\nI am, Julie. Yep. No worries. Mhmm. Mhmm.\n\nYeah. That's fine. Mhmm. Mhmm. Mhmm.\n\nYeah. I'm happy to stay. Mhmm. Yes. Mhmm.\n\nNo. Is there is there a way that we can get the owner changed? Yeah. Yeah. Mhmm.\n\nNo. No. Of course. Yeah. Yep.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nPrivate. Yep. Yep. Mhmm. Yeah.\n\nThat's that's fine. And then it will still remain joint signatories anyway to do anything with the money. Yeah. No. Not at this not at this stage, but, yeah, she can't do anything with it anyway without my approval.\n\nYeah. Yeah. Yeah. That that that's fine. That's fine.\n\nIt's just that I'm the one that funds it, so I wanna own it. Yeah. I'm glad to be appreciated. Mhmm. Yeah.\n\nYep. Yep. Yep. Yeah. Perfect.\n\nThank you. Yeah. Yeah. That's fine. Yeah.\n\nNo worries. Perfect. Mhmm. Got it. Yes.\n\nThat that all makes sense. Mhmm. No worries. No. Nothing nothing for me.\n\nNothing for me. No worries. Thank you very much for your time. Take care. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.36,"sentiment":"neutral","sentiment_score":0.04484318569302559},{"text":"Ben speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.048254769295454025},{"text":"Yep.","start":15.625,"end":15.945001,"sentiment":"neutral","sentiment_score":0.17775428295135498},{"text":"Still good.","start":15.945001,"end":16.765,"sentiment":"neutral","sentiment_score":0.3152299225330353},{"text":"Fine.","start":21.185,"end":21.685,"sentiment":"neutral","sentiment_score":0.03446951135993004}],"sentiment":"neutral","sentiment_score":0.14057662338018417,"num_words":7,"start":1.04,"end":21.685},{"sentences":[{"text":"Yep.","start":26.105,"end":26.345001,"sentiment":"neutral","sentiment_score":0.11230289191007614},{"text":"That's fine.","start":26.345001,"end":27.165,"sentiment":"neutral","sentiment_score":0.21038106083869934},{"text":"I have Benjamin Jones 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that's fine.","start":1327.3451,"end":1328.305,"sentiment":"neutral","sentiment_score":0.06213267147541046},{"text":"And then it will still remain joint signatories anyway to do anything with the money.","start":1328.305,"end":1334.405,"sentiment":"neutral","sentiment_score":0.07304397697250048},{"text":"Yeah.","start":1334.7051,"end":1335.2051,"sentiment":"neutral","sentiment_score":0.04717268794775009},{"text":"No.","start":1340.11,"end":1340.27,"sentiment":"neutral","sentiment_score":-0.12576422095298767},{"text":"Not at this not at this stage, but, yeah, she can't do anything with it anyway without my 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it.","start":1367.0,"end":1369.9801,"sentiment":"neutral","sentiment_score":0.11885249242186546},{"text":"Yeah.","start":1380.465,"end":1380.965,"sentiment":"neutral","sentiment_score":0.33108648657798767},{"text":"I'm glad to be appreciated.","start":1382.545,"end":1383.605,"sentiment":"positive","sentiment_score":0.6939048528671264},{"text":"Mhmm.","start":1391.4249,"end":1391.9249,"sentiment":"neutral","sentiment_score":0.1939733922481537},{"text":"Yeah.","start":1429.88,"end":1430.38,"sentiment":"neutral","sentiment_score":0.0409846305847168}],"sentiment":"neutral","sentiment_score":0.2590683485296639,"num_words":22,"start":1367.0,"end":1430.38},{"sentences":[{"text":"Yep.","start":1481.51,"end":1482.01,"sentiment":"neutral","sentiment_score":0.09464221447706224},{"text":"Yep.","start":1496.245,"end":1496.745,"sentiment":"neutral","sentiment_score":0.14405225217342377},{"text":"Yep.","start":1515.13,"end":1515.63,"sentiment":"neutral","sentiment_score":0.18107205629348755},{"text":"Yeah.","start":1522.7251,"end":1522.9651,"sentiment":"neutral","sentiment_score":0.21002671122550964},{"text":"Perfect.","start":1522.9651,"end":1523.4651,"sentiment":"positive","sentiment_score":0.40242254734039307}],"sentiment":"neutral","sentiment_score":0.20644315630197524,"num_words":5,"start":1481.51,"end":1523.4651},{"sentences":[{"text":"Thank you.","start":1533.4,"end":1534.14,"sentiment":"positive","sentiment_score":0.4791208505630493},{"text":"Yeah.","start":1549.275,"end":1549.775,"sentiment":"positive","sentiment_score":0.4468482434749603},{"text":"Yeah.","start":1559.515,"end":1559.8351,"sentiment":"positive","sentiment_score":0.4944869577884674},{"text":"That's fine.","start":1559.8351,"end":1560.5751,"sentiment":"positive","sentiment_score":0.5499815046787262},{"text":"Yeah.","start":1573.41,"end":1573.81,"sentiment":"neutral","sentiment_score":0.19956892728805545}],"sentiment":"positive","sentiment_score":0.45701554843357634,"num_words":7,"start":1533.4,"end":1573.81},{"sentences":[{"text":"No worries.","start":1573.81,"end":1574.63,"sentiment":"neutral","sentiment_score":0.2833137810230255},{"text":"Perfect.","start":1589.835,"end":1590.335,"sentiment":"positive","sentiment_score":0.5679320096969604},{"text":"Mhmm.","start":1615.935,"end":1616.435,"sentiment":"neutral","sentiment_score":0.08288131654262543},{"text":"Got it.","start":1635.27,"end":1636.01,"sentiment":"neutral","sentiment_score":0.15113741904497147},{"text":"Yes.","start":1647.795,"end":1648.115,"sentiment":"neutral","sentiment_score":0.12748362123966217}],"sentiment":"neutral","sentiment_score":0.23531419251646316,"num_words":7,"start":1573.81,"end":1648.115},{"sentences":[{"text":"That that all makes sense.","start":1648.115,"end":1649.46,"sentiment":"neutral","sentiment_score":0.15271661877632142},{"text":"Mhmm.","start":1685.89,"end":1686.39,"sentiment":"neutral","sentiment_score":0.09176476299762726},{"text":"No worries.","start":1697.115,"end":1697.9349,"sentiment":"neutral","sentiment_score":0.2570011392235756},{"text":"No.","start":1702.7949,"end":1703.115,"sentiment":"neutral","sentiment_score":-0.03441556915640831},{"text":"Nothing nothing for me.","start":1703.115,"end":1704.635,"sentiment":"neutral","sentiment_score":-0.027480311691761017}],"sentiment":"neutral","sentiment_score":0.09423179380022563,"num_words":13,"start":1648.115,"end":1704.635},{"sentences":[{"text":"Nothing for me.","start":1704.635,"end":1705.71,"sentiment":"neutral","sentiment_score":0.02031490703423818},{"text":"No worries.","start":1713.71,"end":1714.19,"sentiment":"neutral","sentiment_score":0.3296866863965988},{"text":"Thank you very much for your time.","start":1714.19,"end":1715.6499,"sentiment":"positive","sentiment_score":0.7674916386604309},{"text":"Take care.","start":1718.11,"end":1718.59,"sentiment":"positive","sentiment_score":0.44614142179489136},{"text":"Bye bye.","start":1718.59,"end":1719.25,"sentiment":"neutral","sentiment_score":0.2585175633430481}],"sentiment":"positive","sentiment_score":0.46887984592467546,"num_words":16,"start":1704.635,"end":1719.25}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Ben speaking.\n\nChannel 0: Good afternoon, Benjamin. This is Veronica from XQ Financial. How are you? Good. Thanks.\n\nI had you booked in this afternoon to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep. Still good.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you\n\nChannel 1: Fine.\n\nChannel 0: know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: I have Benjamin Jones plea. Hang\n\nChannel 0: Yep.\n\nChannel 1: on twenty fifth and twelve. Don't mind anyone.\n\nChannel 0: Yep. Perfect. I'm sorry. Just your address as well.\n\nChannel 1: 281 Church Lane, Castle Lane.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy.\n\nChannel 1: K. Not too bad. Thank you. Yours?\n\nChannel 0: Yeah. Yeah. It's been pretty busy, but it's going really fast. So I can't really complain. Now, Benjamin, before I do kind of jump into the under review there with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up to see what's happened in the last twelve months.\n\nChannel 1: Yeah. Nothing specific from my end.\n\nChannel 0: Yep. Perfect. So my what I might do then is just quickly go through a bit of an updated fact find with you first just to see if there's anything that's kind of major that has changed in in your life or if we need to make any changes through your advice. And then I'll kind of go through your portfolio and everything and see what's happened in the last twelve months.\n\nChannel 1: Mhmm.\n\nChannel 0: So just bear with me as I do go through your fax line here with you. Now when it comes to your personal information, I have you down here as separated with two financial dependents. Is that correct?\n\nChannel 1: That's correct. Yes.\n\nChannel 0: Yep. Perfect. Now I don't have a next of kin on file for you. So\n\nChannel 1: Mhmm.\n\nChannel 0: in the event that we can't contact you, who is someone that we could contact? And that can be anybody.\n\nChannel 1: And then did that remain confidential?\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Yeah. I have someone I can use for my Next and PIN.\n\nChannel 0: Yes. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Would you mind just providing me the name and contact number?\n\nChannel 1: Yeah.\n\nChannel 0: Tony. Yep.\n\nChannel 1: Tony. Yep.\n\nChannel 0: And last last name?\n\nChannel 1: Baker.\n\nChannel 0: Baker.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And phone number, please?\n\nChannel 1: 00433\n\nChannel 0: Four four double three. Yep.\n\nChannel 1: 218\n\nChannel 0: Three one eight. Yep.\n\nChannel 1: 791.\n\nChannel 0: 791. Perfect. And just relationship to yourself as well. Perfect. Thank you very much.\n\nNow when it comes to employment information, has any of that changed\n\nChannel 1: Mhmm.\n\nChannel 0: in the last twelve months, or I'm still\n\nChannel 1: What do\n\nChannel 0: working\n\nChannel 1: you what do\n\nChannel 0: as\n\nChannel 1: you have\n\nChannel 0: a\n\nChannel 1: on file?\n\nChannel 0: yeah. I have project manager.\n\nChannel 1: And does it say company?\n\nChannel 0: No. It says within\n\nChannel 1: No.\n\nChannel 0: construction.\n\nChannel 1: So that's yeah. So it's a property services manager.\n\nChannel 0: Property service manager. Alright. I'll update that. Property service manager. Perfect.\n\nAnd is it still within which industry does would that be\n\nChannel 1: It's\n\nChannel 0: as well?\n\nChannel 1: at age aged\n\nChannel 0: Aged care. Perfect. And when did you start there?\n\nChannel 1: care. Two years ago.\n\nChannel 0: Okay. Perfect. And do you like it?\n\nChannel 1: I I paid the bills.\n\nChannel 0: Yeah. That's good. For working full time?\n\nChannel 1: Yes, ma'am.\n\nChannel 0: Yes. Perfect. And about the standard thirty eight hours?\n\nChannel 1: Again.\n\nChannel 0: Yes. Perfect. Now I have income at 115. Did that change with the occupation?\n\nChannel 1: How much was that? Sorry.\n\nChannel 0: 115.\n\nChannel 1: 15.\n\nChannel 0: Yes. 1\n\nChannel 1: Yep.\n\nChannel 0: 1\n\nChannel 1: And that's\n\nChannel 0: 5.\n\nChannel 1: both both.\n\nChannel 0: What's that?\n\nChannel 1: Got\n\nChannel 0: Sorry.\n\nChannel 1: 100 and and then 140.\n\nChannel 0: 140. Oh, perfect.\n\nChannel 1: Yep.\n\nChannel 0: A nice little increase. And do you get paid, like, bonuses or overtime or anything on top of it,\n\nChannel 1: No.\n\nChannel 0: or is that just, like, your space? Perfect.\n\nChannel 1: No. No.\n\nChannel 0: Now do you track your expenses at all? Like, would you know your total bills and expenses and if you save anything on a weekly basis?\n\nChannel 1: I do, but not right off the top of my head. It is written down.\n\nChannel 0: No. That's okay. Do you know if you save anything, like,\n\nChannel 1: Yes.\n\nChannel 0: on a\n\nChannel 1: I\n\nChannel 0: weekly\n\nChannel 1: do.\n\nChannel 0: fortnight? Yeah. Okay. Perfect.\n\nChannel 1: K.\n\nChannel 0: It just kinda fluctuates, I imagine, a little bit based\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: It does.\n\nChannel 0: all the expenses\n\nChannel 1: Depending on\n\nChannel 0: and\n\nChannel 1: what\n\nChannel 0: everything.\n\nChannel 1: might come up. Yeah. Exactly.\n\nChannel 0: Yeah. Perfect. Now your employer at the moment as well, are they just paying that standard 12% contribution interest super? Like, there's no special\n\nChannel 1: Yes. That's\n\nChannel 0: enterprise\n\nChannel 1: right.\n\nChannel 0: bargain. Like, great. Perfect. And you're not making any additional contributions\n\nChannel 1: No. Not\n\nChannel 0: through\n\nChannel 1: at this\n\nChannel 0: super,\n\nChannel 1: stage.\n\nChannel 0: otherwise?\n\nChannel 1: No.\n\nChannel 0: No. Great. Perfect. Now when it comes to assets as well, I do wanna make sure I have the updated information because, obviously, I know that you went through and split some of that with your previous partner as well. So I do wanna check as well that I have the most kind of finalized information.\n\nHas all the assets and everything, has that all been finalized through the separation?\n\nChannel 1: It's almost at the end of it. Yes.\n\nChannel 0: Almost at the end. Okay. So with the property,\n\nChannel 1: Mhmm.\n\nChannel 0: is that do you have that one, your the PPR?\n\nChannel 1: For for which one? Sorry.\n\nChannel 0: The one that's started at 3,700,000?\n\nChannel 1: Yes. I have that one.\n\nChannel 0: Yep. Perfect. And no remortgage attached to that one? Perfect. And is it still valid at about three point seven, or\n\nChannel 1: No. Yes.\n\nChannel 0: did\n\nChannel 1: Yes.\n\nChannel 0: that\n\nChannel 1: It is.\n\nChannel 0: yeah. Okay. Perfect. Now I have also two investment properties.\n\nChannel 1: Yeah. I've I've sold one\n\nChannel 0: Mhmm.\n\nChannel 1: of them. Yep.\n\nChannel 0: Okay. And is that the one where it was valued at 800 or the $8.60?\n\nChannel 1: The $8.60.\n\nChannel 0: The $8.60. You sold that\n\nChannel 1: Yeah.\n\nChannel 0: one?\n\nChannel 1: It was a it was\n\nChannel 0: K.\n\nChannel 1: yeah. It was all that\n\nChannel 0: Yep.\n\nChannel 1: property.\n\nChannel 0: Okay. Perfect. And do you have the other one still?\n\nChannel 1: I guess that's what the the ex is living in.\n\nChannel 0: Yes. K. Perfect. But you still kind of own the the property and stuff?\n\nChannel 1: I I write it still. Yes.\n\nChannel 0: Yes. Yes. Perfect. Value about $809.50.\n\nChannel 1: It's now 9 at $9.50.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Is there a mortgage attached to that one?\n\nChannel 1: No. That's\n\nChannel 0: No. Alright. Perfect. I also\n\nChannel 1: normal.\n\nChannel 0: have a motor vehicle ride at about 60,000, a Toyota.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: You still have that one?\n\nChannel 1: Yeah. Yeah. That's yeah.\n\nChannel 0: Yep.\n\nChannel 1: I do still like that one.\n\nChannel 0: Yep. Perfect. And you don't have anything owing on that one, do you?\n\nChannel 1: No. No.\n\nChannel 0: No. Great. And also a trailer ride at about 7,000?\n\nChannel 1: Yep. Still want that\n\nChannel 0: Yep.\n\nChannel 1: one.\n\nChannel 0: Perfect. Any other assets we haven't gone over that's changed or\n\nChannel 1: I\n\nChannel 0: new\n\nChannel 1: do\n\nChannel 0: access?\n\nChannel 1: have other vehicles.\n\nChannel 0: Yep. Perfect. How many?\n\nChannel 1: Two.\n\nChannel 0: Two more? Alright. Perfect. I've got two. And how much would you say that they are combined?\n\nChannel 1: The combined, maybe 60. 70\n\nChannel 0: Sorry. Was that\n\nChannel 1: to 70.\n\nChannel 0: 50 or 60? 70.\n\nChannel 1: Combined, say 70 combined.\n\nChannel 0: Perfect. Anything owing? No. Amazing. Any other liabilities, like\n\nChannel 1: No.\n\nChannel 0: personal loans, credit cards, ZipPay?\n\nChannel 1: No. No loans. No debts.\n\nChannel 0: No. Amazing. Now health and lifestyle wise, I do have you here as a smoker. Is that still the case?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And when was the last time you had, like, cigarettes? Was that over twelve months ago or within the last twelve months?\n\nChannel 1: Probably probably within that.\n\nChannel 0: Within perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Let me check here for you. That's good. Because the reason I do ask is let me just bring up your insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that from the insurance point of view, if it's been alright. Perfect. Now we did have you down here as a nonsmoker, so that's good. It's just if if it was smokers on the insurances when we took it out for you and you stopped smoking, if it's the the insurance kinda need to wait twelve months before they are happy to reassess it and remove smokers. Right?\n\nBut you don't have smokers right on the policy, so that's great. So we don't need to do or change anything.\n\nChannel 1: No. That's okay.\n\nChannel 0: So that's good. Any other changes to health and lifestyle or all kind of the same? Nope. That's good. And do you have private health insurance?\n\nChannel 1: No. Yes. I do.\n\nChannel 0: Yes. Perfect. And is that hospital as well?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yep. Perfect. Especially with your income as well, you don't wanna have to pay that additional medical levies there.\n\nChannel 1: No.\n\nChannel 0: So that's\n\nChannel 1: That's exactly\n\nChannel 0: good.\n\nChannel 1: right.\n\nChannel 0: Now when it comes to estate planning, do you have a will in place?\n\nChannel 1: No.\n\nChannel 0: No. Do you have anyone who makes any financial decisions for you? No. Perfect. And are you politically exposed or earn an income overseas?\n\nChannel 1: Say that again. Sorry.\n\nChannel 0: Are you politically exposed? Like, are you involved directly in politics or earn any income from that's perfect. Now when it comes to estate planning as well, I did have a quick look at your nomination on your super account, and I do have Hailey\n\nChannel 1: No.\n\nChannel 0: nominated for your super. So would you like to update that?\n\nChannel 1: Yeah. I will.\n\nChannel 0: Yes. Now to get them updated, I will get to the team to resend those out to you because you are making a legal nomination. They do have to be web signed. Do you have access to a printer, or do you prefer\n\nChannel 1: Yes.\n\nChannel 0: post?\n\nChannel 1: I do. No. No. I\n\nChannel 0: Yep.\n\nChannel 1: do.\n\nChannel 0: Perfect. It just makes it a bit quicker. So I will get the team to email you the new form\n\nChannel 1: Mhmm.\n\nChannel 0: as long with the cover letter as well. And if you do have any issues on completing them, just let me know. Otherwise, I'll get them sent out to you as soon as possible so we can get that updated for you.\n\nChannel 1: Perfect.\n\nChannel 0: Perfect. Now the next thing to run over is just some goals. So stuff that you are working towards that you are kind of wanting to achieve in the near future or long term. Last time, when you spoke to my colleague, Dana, their focus was to potentially buy another investment property down the track. Is that still kind of, a goal of\n\nChannel 1: Yes.\n\nChannel 0: yours?\n\nChannel 1: Yeah. Yes. It\n\nChannel 0: Yep. Perfect. And do you have any other financial goals or nonfinancial\n\nChannel 1: is.\n\nChannel 0: goals that you are kind of working towards?\n\nChannel 1: Yeah. Obviously, you wanna add more to the property I already live on.\n\nChannel 0: Yep. So just do some renovations or\n\nChannel 1: Yeah. That's\n\nChannel 0: yeah.\n\nChannel 1: correct.\n\nChannel 0: Perfect. Property. Anything else?\n\nChannel 1: That's it.\n\nChannel 0: No. Okay. Perfect. Now the next thing I do quickly wanna run over with you is just an updated risk profile questionnaire just to see if we need to make any changes to your risk profile within your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: So think of these questions as well. In regards to your superannuation, And at the moment, do you still kind of planning on accessing super at 60 when you can, or do you think you'd yeah. Perfect. And an income of about $1,000 per week, do you think that's sustainable, or do you think\n\nChannel 1: Yes.\n\nChannel 0: you'd wanna\n\nChannel 1: Yeah.\n\nChannel 0: draw a\n\nChannel 1: I think\n\nChannel 0: bit\n\nChannel 1: so.\n\nChannel 0: more? Yeah. Perfect.\n\nChannel 1: No. If that's that's sort of the going\n\nChannel 0: Yeah.\n\nChannel 1: right up\n\nChannel 0: And\n\nChannel 1: first\n\nChannel 0: and sometimes it's hard as well because it's it's plenty of time until you turn 60.\n\nChannel 1: step.\n\nChannel 0: Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Exactly.\n\nChannel 0: also hard sometimes to know. Okay. Well, what are my financial situation gonna be like that? What's inflation? What things are gonna cost?\n\nBut you're in a really good financial situation asset wise and with your income as well and don't really have any debt\n\nChannel 1: Mhmm.\n\nChannel 0: to pay out. So so that's a really good position to be in. Now, Benjamin, have you ever invested in direct shares yourself on the stock market?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And in terms of how much risk you are willing to take for your superannuation, would you say that you are willing to accept, you know, very high risk in order to try to grow your super as much as possible? Just high risk, a bit more kind of moderate or a small amount of risk.\n\nChannel 1: Let's check on the Antonine.\n\nChannel 0: It's high. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, wanna take advantage of that by thinking now is potentially a good time to invest a little bit more while the prices are down, or would you hold and wait to see what happens, or would you want to shift to a more secure asset, but that means then selling while the prices have already dropped?\n\nChannel 1: Well, it depends on if it's likely\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: It's a bit\n\nChannel 1: climb\n\nChannel 0: hard.\n\nChannel 1: again. But\n\nChannel 0: Yeah.\n\nChannel 1: otherwise, yeah, you could invest more while it's low.\n\nChannel 0: Yep. Okay. So for time depending on the reason\n\nChannel 1: Mhmm.\n\nChannel 0: being and if it's just general\n\nChannel 1: Yeah.\n\nChannel 0: trends in the market, potentially\n\nChannel 1: Exactly.\n\nChannel 0: invest that a little bit more. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And the last one here is if you did see some fluctuations in your super or any assets really. Now in the last twelve months, we've had obviously a bit of fluctuations in the market. So first, you obviously had Trump and tariffs and everything and more recently, the war. So we have seen a bit of fluctuation in the market. If it was\n\nChannel 1: Mhmm.\n\nChannel 0: something that you noticed, how do you think that would make you feel? Optimistic about potential future opportunities, a bit more cautious, not making further investments, that concerned or highly anxious?\n\nChannel 1: I'd probably not be trying to invest anymore at the moment.\n\nChannel 0: Okay. So more kind\n\nChannel 1: Yeah.\n\nChannel 0: of neutral, not super\n\nChannel 1: Yeah. Just\n\nChannel 0: anxious,\n\nChannel 1: sort\n\nChannel 0: but\n\nChannel 1: of\n\nChannel 0: not\n\nChannel 1: skin\n\nChannel 0: putting\n\nChannel 1: and\n\nChannel 0: more\n\nChannel 1: white.\n\nChannel 0: in.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And now that tells me here that you have come out as a growth investor, and that is exactly that portfolio that we currently have you invested in, which is good. Now\n\nChannel 1: Mhmm.\n\nChannel 0: do you remember what a growth investor is at all?\n\nChannel 1: Bagley.\n\nChannel 0: Yep.\n\nChannel 1: Very Bailey.\n\nChannel 0: Yeah. No. So, basically, it's someone who's looking at getting, you know, as much growth as you can out of your superannuation,\n\nChannel 1: Yeah.\n\nChannel 0: but you do have plenty of time, and you are prepared to experience, you know, some level of fluctuation in order to achieve that. So not high growth or aggressive, but some kind of somewhere in the middle where you do still wanna, you know, grow your super. And when it comes to an asset allocation point of view, we typically see 80% invested in what we would call your growth assets. So this would be your Australian shares, international shares, as well as property and commodities, and that is what's going to grow your super. And then about 20% in defensive, so, like, your cash, your gold, your fixed interest, it limit fluctuations a little bit.\n\nAnd when it comes to a time frame, so making sure that you have enough time in the market for those fluctuations. In a growth portfolio, we typically want to allow at least six years until retirement. So from a time frame point of view, you definitely have that behind you as long as you still feel comfortable with, like, the level of fluctuations and being in a growth portfolio. You'd still feel happy to stay in a growth portfolio? Yeah.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Amazing. Yeah. Perfect. Now are you driving at the moment, or do you have access to your emails?\n\nChannel 1: No. I am, Julie.\n\nChannel 0: Yeah. Okay. Perfect. So if you are happy for me to do so, I'll just kind of quickly run through a couple of documents. And then later, when it is obviously safe for you to do so and when you have a moment, just have a look through the documents.\n\nSo I have to send you an email with the documents. I'll just kind of briefly go through with you.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah,\n\nChannel 1: No\n\nChannel 0: if you\n\nChannel 1: worries.\n\nChannel 0: do have any questions later, let me know. And, yeah, just so don't want you doing anything if it's not safe to do so. So, basically, when you do have a look at the email, before you click on the link where it says sign now, at the bottom of the email, you will see a couple of attachments. Now it might look a little bit different, the email, to what you were used to before because we recently have changed the software. So before you\n\nChannel 1: Mhmm.\n\nChannel 0: click on the link at the bottom, that's all your supporting documents. So what you will see is you will see through through documents first, which is a financial services site and an OQ services site. Now you would have seen this one before. It's just a bit of an updated document. It's one of those compliance documents, but it does give you all the important information regarding us here at OCU.\n\nNone of the fundamental information has changed, but we've had a bit of an extension to the team, which is good. So all the information about the team, our directors and advisers and everything, that's all in that document for you. Now you will also have a summary form. So that will be a super and insurance summary. And when you do have a look at that, you will see that you do have your super would have 24.\n\nNow you do have about a $132,171 in there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you also have your insurances with Zurich. So for your life and total permanent disability, you have $1,414,618 worth of life and KPD. Now are you still happy with that level of cover for your life and KPD?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Yeah. Perfect. Now you also have an income protection policy, and that will pay\n\nChannel 1: Mhmm.\n\nChannel 0: you a monthly amount of 6,326. You do have a thirty day waiting period and a five year benefit period. Now all those three are paid from superannuation. And after the tax rebate, that is $1,915. Now with your income protection as well, because your income have increased, you are a little bit underinsured at the moment for the income protection.\n\nDoesn't mean you\n\nChannel 1: Mhmm.\n\nChannel 0: have to change it because it also depends on if you feel that 6,326 is sufficient to meet your expenses or whether\n\nChannel 1: Mhmm.\n\nChannel 0: you would like to increase it. So, basically, with the income protection, you can have up to 70% of your income covered. So you could technically be covered up to 8,166 a month. Obviously,\n\nChannel 1: Yeah.\n\nChannel 0: by increasing it, it's going to increase the premium, and we'll have to go through, like, a full underwriting process again because the insurers will take on more risk. So they would like to, you know, reassess everything again. Would you like to look at changing it, or do you think that six three will\n\nChannel 1: I'm happy\n\nChannel 0: meet\n\nChannel 1: to\n\nChannel 0: your\n\nChannel 1: stay.\n\nChannel 0: happy to state? Great. Perfect. Now you do also have a personal investment account,\n\nChannel 1: Mhmm.\n\nChannel 0: and that is, joint obviously with, your\n\nChannel 1: Yes.\n\nChannel 0: previous partner. So with that as well, you do have, a $171,094 in there. Now because it's obviously joined in\n\nChannel 1: Mhmm.\n\nChannel 0: both of your names, but, Haley is the account owner on the account. So do you know if the personal investment account of being split or changed or what your kind\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: Is\n\nChannel 0: goal\n\nChannel 1: there\n\nChannel 0: is?\n\nChannel 1: is there a way that we can get the owner changed?\n\nChannel 0: Yes. The only way, though, is that she would have to sign the document\n\nChannel 1: Yeah.\n\nChannel 0: to approve it. So\n\nChannel 1: Yeah.\n\nChannel 0: I know that we can get those forms drawn up.\n\nChannel 1: Mhmm.\n\nChannel 0: And just a conflict of interest, I obviously can't be her adviser or deal with\n\nChannel 1: No.\n\nChannel 0: her\n\nChannel 1: No.\n\nChannel 0: because\n\nChannel 1: Of\n\nChannel 0: I'm just\n\nChannel 1: course.\n\nChannel 0: looking\n\nChannel 1: Yeah.\n\nChannel 0: after your needs. But one of my colleagues, Tommy, is looking after her account. So I can liaise with him\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: say that you would like to look at getting that changed over to your\n\nChannel 1: Mhmm.\n\nChannel 0: account name.\n\nChannel 1: Yep.\n\nChannel 0: And then when he has the under review with her, he can let her know that that's what you would\n\nChannel 1: Yep.\n\nChannel 0: like to do, and then we can take it from there. If she's happy\n\nChannel 1: Yeah. Private.\n\nChannel 0: with that, we can then get a form authorized through to get that sorted.\n\nChannel 1: Yep. Yep.\n\nChannel 0: If she comes back and says differently, then I\n\nChannel 1: Mhmm.\n\nChannel 0: can give you a call, and then we can see what we can do.\n\nChannel 1: Yeah. That's that's\n\nChannel 0: But we\n\nChannel 1: fine.\n\nChannel 0: can\n\nChannel 1: And then it will\n\nChannel 0: yeah.\n\nChannel 1: still remain joint signatories anyway to\n\nChannel 0: Yes. It is\n\nChannel 1: do\n\nChannel 0: exactly.\n\nChannel 1: anything with the money. Yeah.\n\nChannel 0: Exactly. Unless you guys are planning on, you know, changing anything there.\n\nChannel 1: No. Not at this not at this stage, but,\n\nChannel 0: No.\n\nChannel 1: yeah, she can't do anything with it anyway without\n\nChannel 0: No.\n\nChannel 1: my approval.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's just at the moment. Yeah. Because she's the account older owner.\n\nChannel 1: Yeah.\n\nChannel 0: Like, when it comes to, like, the fee agreement, that would all kind of go to her at the moment. And, also, if making any changes on the account and stuff like that, would obviously have to be, a joint\n\nChannel 1: Yeah.\n\nChannel 0: discussion\n\nChannel 1: That that\n\nChannel 0: as well.\n\nChannel 1: that's fine. That's fine.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: It's just\n\nChannel 0: Yep.\n\nChannel 1: that I'm the one that funds it, so I wanna own it.\n\nChannel 0: Yeah. No. That makes sense. And I try to look at that. So, yeah, I will speak to my colleague and see if we can get that sorted, and then I\n\nChannel 1: Yeah.\n\nChannel 0: will just kind of keep you in the loop with\n\nChannel 1: I'm glad to\n\nChannel 0: when\n\nChannel 1: be appreciated.\n\nChannel 0: he's spoken, yeah, to to her and stuff. So when it comes through your portfolio as well, so both of them actually. So\n\nChannel 1: Mhmm.\n\nChannel 0: when it comes to first your your student graduation, so in the documents, you will see a twelve month performance report. Now that is of your superannuation. So that tells us, kind of like I touched on earlier, we have obviously seen a bit of fluctuations in the market the last twelve months. But despite all of that, your portfolio has held up really well. So in the last twelve months, now after all fees have been deducted from your account, your portfolio in super has still gone up by 9.8%.\n\nWe're quite happy with that given what's happened in the market.\n\nChannel 1: Yeah.\n\nChannel 0: Now having a bit of a look at your investments as well because it is something we obviously research all the time to make sure that we do have you invested in the best options possible because things are always changing. Now one of the investments in your portfolio, which is your Benelon Australian Equity, has underperformed a little bit recently. They've been a little bit slower with making their investment choices as well. And the purpose behind this investment is to actively buy and sell different investments in order to try to outperform the market. But like I said, they've been a little bit slower with making those choices and have underperformed a bit recently.\n\nSo what I would like to do, if you are happy for me to do so, it's to just do a little bit of research on, an alternative option and see if we can switch that out for you.\n\nChannel 1: Yep.\n\nChannel 0: And yeah. So it will kind of be a similar, obviously. It won't change the front foundation of your portfolio. We'll still obviously, if we're replacing an Australian investment, we won't obviously keep it in the Australian through keeping your whole portfolio diversified.\n\nChannel 1: Yep.\n\nChannel 0: But we've done a lot of research on different options, and there is one which has performed a little bit better and it's a little bit cheaper. So I will just triple check that that's aligning with your account. And if so, if you're happy for me to do so, I will go ahead and make the change, just that one investment, and I will\n\nChannel 1: Yep.\n\nChannel 0: send you a record of advice to outline what the change is as well just for your reference.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Yeah. Perfect. You don't need to sign it or anything like that, but I will send it to you anyway so that you have it on your record so you know that change.\n\nChannel 1: Thank you.\n\nChannel 0: Yeah. Perfect. No. That's okay. Now with the personal investment account, that one has done really well as well.\n\nAnd after fees, it's been 14.32%. So it's\n\nChannel 1: Yeah.\n\nChannel 0: done really well as well. Now it is the same one, which you do have been along invested in that account. So, again, if you are happy for me to do so,\n\nChannel 1: Yeah. That's\n\nChannel 0: I can\n\nChannel 1: fine.\n\nChannel 0: get that switched out. Now I will just have to speak to my colleague as well just to confirm that, obviously, Haley's happy with the same thing. And then we can issue individual record of advice as well to show that change.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Great. Perfect. Now the other two documents you will see is just your Zurich certificate of currency. It just basically breaks down the insurances we touched on already, but just lets you know that's all paid and up to date.\n\nChannel 1: Perfect.\n\nChannel 0: And then the last two documents is that when you if you're happy to do so, when you click on the link process sign now, it will ask you to sign two documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain and stay on as a client. Now there is no changes in regards to the fee structure, So that stays\n\nChannel 1: Mhmm.\n\nChannel 0: exactly the same at 1.1 from superannuation, so no changes in regards to that. And this is not a lock in contract. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, these documents just let us service your account and everything in the meantime.\n\nChannel 1: Got it.\n\nChannel 0: And then the last one, it is just a compliance form. It's just a tax file number to say that we are keeping your tax file number secure and safe on file. Did that all make sense? Do you have any questions?\n\nChannel 1: Yes. That that all makes sense.\n\nChannel 0: No. Okay. Perfect. So like I said, when it's safe for for you to do so, when you have a moment, have a look through the documents. If you have any questions, let me know, and we can always I can always give you a call and go through anything.\n\nBut if not, if it all makes sense and you are happy with it, I'll just need you to sign those documents. Once you've added your signature and date, it will then send it back to me, and I can get the team to upload and get that all sorted for you. In the meantime, I will also get the the team to email you this beneficiary form so we can get that updated and sorted for you. And I will\n\nChannel 1: Mhmm.\n\nChannel 0: speak to my colleague, Tommy, as well in regards to trying to get that ownership changed to your name, and then keep a lookout for that record of advice to show the investment change as well.\n\nChannel 1: No worries.\n\nChannel 0: Yes. Perfect. Now do you have any questions or anything else for me before I let\n\nChannel 1: No.\n\nChannel 0: you go\n\nChannel 1: Nothing\n\nChannel 0: otherwise then,\n\nChannel 1: nothing for me. Nothing\n\nChannel 0: No.\n\nChannel 1: for\n\nChannel 0: Okay.\n\nChannel 1: me.\n\nChannel 0: Perfect. Well, I will let you go and enjoy the rest of your afternoon. If there is anything else that you need though at any point in time, don't hesitate to give me a call.\n\nChannel 1: No worries. Thank you very much for your time.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Take care. Bye bye.\n\nChannel 0: You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.36,"sentiment":"neutral","sentiment_score":0.04484318569302559},{"text":"Ben speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.048254769295454025}],"sentiment":"neutral","sentiment_score":0.04711757476131121,"channel":1,"num_words":3,"start":1.04,"end":2.1},{"sentences":[{"text":"Good afternoon, Benjamin.","start":2.6399999,"end":3.78,"sentiment":"positive","sentiment_score":0.35830987493197125},{"text":"This is Veronica from XQ Financial.","start":3.84,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2970624268054962},{"text":"How are you?","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.22180096308390299},{"text":"Good.","start":8.639999,"end":9.12,"sentiment":"positive","sentiment_score":0.5414248108863831},{"text":"Thanks.","start":9.12,"end":9.62,"sentiment":"positive","sentiment_score":0.6880825757980347}],"sentiment":"positive","sentiment_score":0.339443890111787,"channel":0,"num_words":14,"start":2.6399999,"end":9.62},{"sentences":[{"text":"I had you booked in this afternoon to go over your annual review.","start":10.639999,"end":13.679999,"sentiment":"positive","sentiment_score":0.4595354268184075},{"text":"Is now still a good time for you?","start":13.679999,"end":15.255,"sentiment":"positive","sentiment_score":0.3898976407945156}],"sentiment":"positive","sentiment_score":0.43300674642835346,"channel":0,"num_words":21,"start":10.639999,"end":15.255},{"sentences":[{"text":"Yep.","start":15.625,"end":15.945001,"sentiment":"neutral","sentiment_score":0.17775428295135498},{"text":"Still good.","start":15.945001,"end":16.765,"sentiment":"neutral","sentiment_score":0.3152299225330353}],"sentiment":"neutral","sentiment_score":0.26940470933914185,"channel":1,"num_words":3,"start":15.625,"end":16.765},{"sentences":[{"text":"Yep.","start":16.455,"end":16.955,"sentiment":"neutral","sentiment_score":0.24528054893016815},{"text":"Perfect.","start":17.255001,"end":17.755001,"sentiment":"positive","sentiment_score":0.4578538835048675},{"text":"Now just before I do go any further, I just need to let you","start":18.215,"end":21.255001,"sentiment":"neutral","sentiment_score":0.03544032420696957}],"sentiment":"neutral","sentiment_score":0.0749561857082881,"channel":0,"num_words":16,"start":16.455,"end":21.255001},{"sentences":[{"text":"Fine.","start":21.185,"end":21.685,"sentiment":"neutral","sentiment_score":0.03446951135993004}],"sentiment":"neutral","sentiment_score":0.03446951135993004,"channel":1,"num_words":1,"start":21.185,"end":21.685},{"sentences":[{"text":"know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":21.255001,"end":25.675,"sentiment":"neutral","sentiment_score":0.01952559972802798}],"sentiment":"neutral","sentiment_score":0.01952559972802798,"channel":0,"num_words":15,"start":21.255001,"end":25.675},{"sentences":[{"text":"Yep.","start":26.105,"end":26.345001,"sentiment":"neutral","sentiment_score":0.11230289191007614},{"text":"That's fine.","start":26.345001,"end":27.165,"sentiment":"neutral","sentiment_score":0.21038106083869934}],"sentiment":"neutral","sentiment_score":0.1776883378624916,"channel":1,"num_words":3,"start":26.105,"end":27.165},{"sentences":[{"text":"Perfect.","start":27.51,"end":28.01,"sentiment":"neutral","sentiment_score":0.3328956663608551},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please?","start":28.15,"end":37.29,"sentiment":"neutral","sentiment_score":0.06914545744657516}],"sentiment":"neutral","sentiment_score":0.07765352870187452,"channel":0,"num_words":31,"start":27.51,"end":37.29},{"sentences":[{"text":"I have Benjamin Jones plea.","start":37.77,"end":39.55,"sentiment":"neutral","sentiment_score":0.015980419516563416},{"text":"Hang","start":40.09,"end":40.41,"sentiment":"neutral","sentiment_score":0.01716969534754753}],"sentiment":"neutral","sentiment_score":0.016178632155060768,"channel":1,"num_words":6,"start":37.77,"end":40.41},{"sentences":[{"text":"Yep.","start":40.245,"end":40.745,"sentiment":"neutral","sentiment_score":0.03239862248301506}],"sentiment":"neutral","sentiment_score":0.03239862248301506,"channel":0,"num_words":1,"start":40.245,"end":40.745},{"sentences":[{"text":"on twenty fifth and twelve.","start":40.41,"end":41.37,"sentiment":"neutral","sentiment_score":0.03341593705117703},{"text":"Don't mind anyone.","start":41.37,"end":42.27,"sentiment":"neutral","sentiment_score":0.04248318697015444}],"sentiment":"neutral","sentiment_score":0.03681615577079356,"channel":1,"num_words":8,"start":40.41,"end":42.27},{"sentences":[{"text":"Yep.","start":42.805,"end":43.285,"sentiment":"neutral","sentiment_score":0.08518984168767929},{"text":"Perfect.","start":43.285,"end":43.785,"sentiment":"neutral","sentiment_score":0.2105356007814407},{"text":"I'm sorry.","start":43.925,"end":44.405,"sentiment":"neutral","sentiment_score":0.08274053037166595},{"text":"Just your address as well.","start":44.405,"end":45.785,"sentiment":"neutral","sentiment_score":0.045233553647994994}],"sentiment":"neutral","sentiment_score":0.07637491905026966,"channel":0,"num_words":9,"start":42.805,"end":45.785},{"sentences":[{"text":"281 Church Lane, Castle 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about $1,000 per week, do you think that's sustainable, or do you think","start":732.45496,"end":737.51495,"sentiment":"neutral","sentiment_score":0.17022818589911742}],"sentiment":"neutral","sentiment_score":0.0968326943823033,"channel":0,"num_words":54,"start":719.51,"end":737.51495},{"sentences":[{"text":"Yes.","start":737.48,"end":737.98,"sentiment":"neutral","sentiment_score":0.09654326736927032}],"sentiment":"neutral","sentiment_score":0.09654326736927032,"channel":1,"num_words":1,"start":737.48,"end":737.98},{"sentences":[{"text":"you'd 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that's that's sort of the going","start":740.76,"end":742.7,"sentiment":"neutral","sentiment_score":-0.07575306615659169}],"sentiment":"neutral","sentiment_score":-0.07796192076057196,"channel":1,"num_words":8,"start":740.44,"end":742.7},{"sentences":[{"text":"Yeah.","start":743.63,"end":744.13,"sentiment":"neutral","sentiment_score":-0.06431934982538223}],"sentiment":"neutral","sentiment_score":-0.06431934982538223,"channel":0,"num_words":1,"start":743.63,"end":744.13},{"sentences":[{"text":"right 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hard sometimes to know.","start":751.15,"end":752.67004,"sentiment":"neutral","sentiment_score":-0.18607106804847717},{"text":"Okay.","start":752.67004,"end":752.99005,"sentiment":"neutral","sentiment_score":-0.07841118425130844},{"text":"Well, what are my financial situation gonna be like that?","start":752.99005,"end":756.16504,"sentiment":"neutral","sentiment_score":-0.0834492076188326},{"text":"What's inflation?","start":756.16504,"end":756.965,"sentiment":"neutral","sentiment_score":-0.0778193473815918},{"text":"What things are gonna cost?","start":756.965,"end":758.265,"sentiment":"neutral","sentiment_score":-0.056238746643066405}],"sentiment":"neutral","sentiment_score":-0.09913439255045808,"channel":0,"num_words":23,"start":751.15,"end":758.265},{"sentences":[{"text":"But you're in a really good financial situation asset wise and with your income as well and don't really have any 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market?","start":771.46,"end":777.64,"sentiment":"neutral","sentiment_score":0.043937798855560165}],"sentiment":"neutral","sentiment_score":0.20566557444356107,"channel":0,"num_words":27,"start":765.525,"end":777.64},{"sentences":[{"text":"No.","start":778.41504,"end":778.91504,"sentiment":"neutral","sentiment_score":-0.16048046946525574}],"sentiment":"neutral","sentiment_score":-0.16048046946525574,"channel":1,"num_words":1,"start":778.41504,"end":778.91504},{"sentences":[{"text":"No.","start":779.14,"end":779.54004,"sentiment":"neutral","sentiment_score":-0.13630172610282898},{"text":"Perfect.","start":779.54004,"end":780.04004,"sentiment":"neutral","sentiment_score":-0.04684092849493027},{"text":"And in terms of how much risk you are willing to take for your superannuation, would you say that you are willing to accept, you know, very high risk in order to try to grow your super as much as possible?","start":781.14,"end":793.065,"sentiment":"neutral","sentiment_score":-0.13096248122250162},{"text":"Just high risk, a bit more kind of moderate or a small amount of risk.","start":794.085,"end":798.75,"sentiment":"neutral","sentiment_score":-0.2561248352130254}],"sentiment":"neutral","sentiment_score":-0.16197373987785701,"channel":0,"num_words":58,"start":779.14,"end":798.75},{"sentences":[{"text":"Let's check on the Antonine.","start":800.33496,"end":801.71497,"sentiment":"neutral","sentiment_score":-0.04448736980557442}],"sentiment":"neutral","sentiment_score":-0.04448736980557442,"channel":1,"num_words":5,"start":800.33496,"end":801.71497},{"sentences":[{"text":"It's high.","start":802.51,"end":803.15,"sentiment":"neutral","sentiment_score":-0.032322950661182404},{"text":"Okay.","start":803.15,"end":803.63,"sentiment":"neutral","sentiment_score":0.2329441010951996},{"text":"Perfect.","start":803.63,"end":804.13,"sentiment":"positive","sentiment_score":0.4438661336898804}],"sentiment":"neutral","sentiment_score":0.15304108336567881,"channel":0,"num_words":4,"start":802.51,"end":804.13},{"sentences":[{"text":"Yeah.","start":803.69495,"end":804.19495,"sentiment":"neutral","sentiment_score":0.1523703634738922}],"sentiment":"neutral","sentiment_score":0.1523703634738922,"channel":1,"num_words":1,"start":803.69495,"end":804.19495},{"sentences":[{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial 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later, let me know.","start":1027.965,"end":1030.305,"sentiment":"neutral","sentiment_score":0.12394826393574476},{"text":"And, yeah, just so don't want you doing anything if it's not safe to do so.","start":1031.3099,"end":1036.85,"sentiment":"negative","sentiment_score":-0.4758385121822357},{"text":"So, basically, when you do have a look at the email, before you click on the link where it says sign now, at the bottom of the email, you will see a couple of attachments.","start":1037.15,"end":1046.615,"sentiment":"neutral","sentiment_score":0.016835032496601343},{"text":"Now it might look a little bit different, the email, to what you were used to before because we recently have changed the software.","start":1046.995,"end":1053.495,"sentiment":"neutral","sentiment_score":-0.06843085920748611},{"text":"So before you","start":1053.955,"end":1054.755,"sentiment":"neutral","sentiment_score":-0.011143309995532036}],"sentiment":"neutral","sentiment_score":-0.08963226159319801,"channel":0,"num_words":86,"start":1027.965,"end":1054.755},{"sentences":[{"text":"Mhmm.","start":1054.725,"end":1055.225,"sentiment":"neutral","sentiment_score":-0.003327205777168274}],"sentiment":"neutral","sentiment_score":-0.003327205777168274,"channel":1,"num_words":1,"start":1054.725,"end":1055.225},{"sentences":[{"text":"click on the link at the bottom, that's all your supporting documents.","start":1054.755,"end":1058.0549,"sentiment":"neutral","sentiment_score":0.023123697843402624},{"text":"So what you will see is you will see through through documents first, which is a financial services site and an OQ services site.","start":1058.1799,"end":1066.6,"sentiment":"neutral","sentiment_score":0.05139978757749001},{"text":"Now you would have seen this one 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contract.","start":1623.135,"end":1624.975,"sentiment":"neutral","sentiment_score":-0.006712322123348713},{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1624.975,"end":1628.835,"sentiment":"neutral","sentiment_score":-0.013058492366005392},{"text":"But, otherwise, these documents just let us service your account and everything in the meantime.","start":1629.39,"end":1633.65,"sentiment":"neutral","sentiment_score":0.22067009508609772}],"sentiment":"neutral","sentiment_score":0.07860438042768726,"channel":0,"num_words":54,"start":1616.335,"end":1633.65},{"sentences":[{"text":"Got it.","start":1635.27,"end":1636.01,"sentiment":"neutral","sentiment_score":0.15113741904497147}],"sentiment":"neutral","sentiment_score":0.15113741904497147,"channel":1,"num_words":2,"start":1635.27,"end":1636.01},{"sentences":[{"text":"And then the last one, it is just a compliance form.","start":1636.1901,"end":1638.8301,"sentiment":"neutral","sentiment_score":0.1237794973633506},{"text":"It's just a tax file number to say that we are keeping your tax file number secure and safe on file.","start":1638.8301,"end":1644.37,"sentiment":"neutral","sentiment_score":0.20683295599051885},{"text":"Did that all make sense?","start":1645.855,"end":1646.975,"sentiment":"neutral","sentiment_score":0.1486475348472595},{"text":"Do you have any questions?","start":1646.975,"end":1648.195,"sentiment":"neutral","sentiment_score":0.05420800745487213}],"sentiment":"neutral","sentiment_score":0.1599843871025812,"channel":0,"num_words":42,"start":1636.1901,"end":1648.195},{"sentences":[{"text":"Yes.","start":1647.795,"end":1648.115,"sentiment":"neutral","sentiment_score":0.12748362123966217},{"text":"That that all makes sense.","start":1648.115,"end":1649.46,"sentiment":"neutral","sentiment_score":0.15271661877632142}],"sentiment":"neutral","sentiment_score":0.1485111191868782,"channel":1,"num_words":6,"start":1647.795,"end":1649.46},{"sentences":[{"text":"No.","start":1649.295,"end":1649.775,"sentiment":"neutral","sentiment_score":0.04000529274344444},{"text":"Okay.","start":1649.775,"end":1650.255,"sentiment":"neutral","sentiment_score":0.13738787174224854},{"text":"Perfect.","start":1650.255,"end":1650.755,"sentiment":"neutral","sentiment_score":0.2964697778224945},{"text":"So like I said, when it's safe for for you to do so, when you have a moment, have a look through the documents.","start":1651.055,"end":1656.115,"sentiment":"neutral","sentiment_score":0.21578707359731197},{"text":"If you have any questions, let me know, and we can always I can always give you a call and go through anything.","start":1656.175,"end":1661.94,"sentiment":"neutral","sentiment_score":0.19342211342376212}],"sentiment":"neutral","sentiment_score":0.20202922634780407,"channel":0,"num_words":50,"start":1649.295,"end":1661.94},{"sentences":[{"text":"But if not, if it all makes sense and you are happy with it, I'll just need you to sign those documents.","start":1661.94,"end":1667.64,"sentiment":"neutral","sentiment_score":0.2749219191345302},{"text":"Once you've added your signature and date, it will then send it back to me, and I can get the team to upload and get that all sorted for you.","start":1667.7799,"end":1677.345,"sentiment":"neutral","sentiment_score":0.2543598291774591},{"text":"In the meantime, I will also get the the team to email you this beneficiary form so we can get that updated and sorted for you.","start":1677.725,"end":1685.25,"sentiment":"neutral","sentiment_score":0.20820963124816233},{"text":"And I will","start":1685.41,"end":1685.97,"sentiment":"neutral","sentiment_score":0.1560948739449183}],"sentiment":"neutral","sentiment_score":0.2414915077848199,"channel":0,"num_words":81,"start":1661.94,"end":1685.97},{"sentences":[{"text":"Mhmm.","start":1685.89,"end":1686.39,"sentiment":"neutral","sentiment_score":0.09176476299762726}],"sentiment":"neutral","sentiment_score":0.09176476299762726,"channel":1,"num_words":1,"start":1685.89,"end":1686.39},{"sentences":[{"text":"speak to my colleague, Tommy, as well in regards to trying to get that ownership changed to your name, and then keep a lookout for that record of advice to show the investment change as well.","start":1685.97,"end":1696.95,"sentiment":"neutral","sentiment_score":0.17053630679017967}],"sentiment":"neutral","sentiment_score":0.17053630679017967,"channel":0,"num_words":36,"start":1685.97,"end":1696.95},{"sentences":[{"text":"No worries.","start":1697.115,"end":1697.9349,"sentiment":"neutral","sentiment_score":0.2570011392235756}],"sentiment":"neutral","sentiment_score":0.2570011392235756,"channel":1,"num_words":2,"start":1697.115,"end":1697.9349},{"sentences":[{"text":"Yes.","start":1697.985,"end":1698.385,"sentiment":"positive","sentiment_score":0.425300806760788},{"text":"Perfect.","start":1698.385,"end":1698.885,"sentiment":"positive","sentiment_score":0.6886187791824341},{"text":"Now do you have any questions or anything else for me before I let","start":1699.265,"end":1702.865,"sentiment":"neutral","sentiment_score":0.174064145556518}],"sentiment":"neutral","sentiment_score":0.22192610148340464,"channel":0,"num_words":16,"start":1697.985,"end":1702.865},{"sentences":[{"text":"No.","start":1702.7949,"end":1703.115,"sentiment":"neutral","sentiment_score":-0.03441556915640831}],"sentiment":"neutral","sentiment_score":-0.03441556915640831,"channel":1,"num_words":1,"start":1702.7949,"end":1703.115},{"sentences":[{"text":"you go","start":1702.865,"end":1703.185,"sentiment":"neutral","sentiment_score":0.000039890408515930176}],"sentiment":"neutral","sentiment_score":0.000039890408515930176,"channel":0,"num_words":2,"start":1702.865,"end":1703.185},{"sentences":[{"text":"Nothing","start":1703.115,"end":1703.595,"sentiment":"neutral","sentiment_score":-0.06011267006397247}],"sentiment":"neutral","sentiment_score":-0.06011267006397247,"channel":1,"num_words":1,"start":1703.115,"end":1703.595},{"sentences":[{"text":"otherwise then,","start":1703.185,"end":1703.985,"sentiment":"neutral","sentiment_score":-0.1098241563886404}],"sentiment":"neutral","sentiment_score":-0.1098241563886404,"channel":0,"num_words":2,"start":1703.185,"end":1703.985},{"sentences":[{"text":"nothing for me.","start":1703.595,"end":1704.635,"sentiment":"neutral","sentiment_score":-0.016602858901023865},{"text":"Nothing","start":1704.635,"end":1705.0349,"sentiment":"neutral","sentiment_score":-0.013523057103157043}],"sentiment":"neutral","sentiment_score":-0.01583290845155716,"channel":1,"num_words":4,"start":1703.595,"end":1705.0349},{"sentences":[{"text":"No.","start":1704.9451,"end":1705.265,"sentiment":"neutral","sentiment_score":-0.03043850138783455}],"sentiment":"neutral","sentiment_score":-0.03043850138783455,"channel":0,"num_words":1,"start":1704.9451,"end":1705.265},{"sentences":[{"text":"for","start":1705.0349,"end":1705.275,"sentiment":"neutral","sentiment_score":-0.005717098712921143}],"sentiment":"neutral","sentiment_score":-0.005717098712921143,"channel":1,"num_words":1,"start":1705.0349,"end":1705.275},{"sentences":[{"text":"Okay.","start":1705.265,"end":1705.765,"sentiment":"neutral","sentiment_score":0.05786164477467537}],"sentiment":"neutral","sentiment_score":0.05786164477467537,"channel":0,"num_words":1,"start":1705.265,"end":1705.765},{"sentences":[{"text":"me.","start":1705.275,"end":1705.71,"sentiment":"neutral","sentiment_score":0.08018487691879272}],"sentiment":"neutral","sentiment_score":0.08018487691879272,"channel":1,"num_words":1,"start":1705.275,"end":1705.71},{"sentences":[{"text":"Perfect.","start":1705.985,"end":1706.465,"sentiment":"positive","sentiment_score":0.5261138677597046},{"text":"Well, I will let you go and enjoy the rest of your afternoon.","start":1706.465,"end":1708.785,"sentiment":"positive","sentiment_score":0.6435547608595628},{"text":"If there is anything else that you need though at any point in time, don't hesitate to give me a call.","start":1708.785,"end":1713.24,"sentiment":"neutral","sentiment_score":0.1476709083432243}],"sentiment":"positive","sentiment_score":0.3426689952611923,"channel":0,"num_words":35,"start":1705.985,"end":1713.24},{"sentences":[{"text":"No worries.","start":1713.71,"end":1714.19,"sentiment":"neutral","sentiment_score":0.3296866863965988},{"text":"Thank you very much for your time.","start":1714.19,"end":1715.6499,"sentiment":"positive","sentiment_score":0.7674916386604309}],"sentiment":"positive","sentiment_score":0.6702016492684683,"channel":1,"num_words":9,"start":1713.71,"end":1715.6499},{"sentences":[{"text":"No problem at all.","start":1715.88,"end":1716.6,"sentiment":"positive","sentiment_score":0.4597952887415886},{"text":"We'll speak soon.","start":1716.6,"end":1717.58,"sentiment":"positive","sentiment_score":0.38189999262491864}],"sentiment":"positive","sentiment_score":0.4264115904058729,"channel":0,"num_words":7,"start":1715.88,"end":1717.58},{"sentences":[{"text":"Take care.","start":1718.11,"end":1718.59,"sentiment":"positive","sentiment_score":0.44614142179489136},{"text":"Bye bye.","start":1718.59,"end":1719.25,"sentiment":"neutral","sentiment_score":0.2585175633430481}],"sentiment":"positive","sentiment_score":0.3523294925689697,"channel":1,"num_words":4,"start":1718.11,"end":1719.25},{"sentences":[{"text":"You too.","start":1719.4,"end":1719.88,"sentiment":"neutral","sentiment_score":0.27952146530151367},{"text":"Bye.","start":1719.88,"end":1720.38,"sentiment":"neutral","sentiment_score":-0.125200092792511}],"sentiment":"neutral","sentiment_score":0.14461427927017212,"channel":0,"num_words":3,"start":1719.4,"end":1720.38}]},"summary":{"result":"success","short":"A representative from XQ Financial called Benjamin to go over his annual review and asked for personal information, employment history, and assets. They also asked about his retirement plans and contributions. The agent spoke with a customer about their health and lifestyle, retirement goals, and risk profile. They discussed the customer's financial goals and personal matters, including their investment portfolio and personal investments. The agent provided guidance on obtaining a financial services site and updating the customer's tax file, and suggested researching alternative options and updating their tax file. The conversation ended with the agent offering further assistance and the customer expressing gratitude."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? I have Benjamin Jones plea.","start_word":77,"end_word":111,"intents":[{"intent":"Confirm identity","confidence_score":0.72621775}]},{"text":"Now, Benjamin, before I do kind of jump into the under review there with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up to see what's happened in the last twelve months. Yeah.","start_word":176,"end_word":246,"intents":[{"intent":"Inquire about review goals and recommendations","confidence_score":7.0424715e-9},{"intent":"Discuss upcoming financial tasks","confidence_score":0.0000029455728}]},{"text":"So just bear with me as I do go through your fax line here with you. Now when it comes to your personal information, I have you down here as separated with two financial dependents. Is that correct? That's correct.","start_word":325,"end_word":364,"intents":[{"intent":"Discuss personal information","confidence_score":0.2534238}]},{"text":"Like, would you know your total bills and expenses and if you save anything on a weekly basis?","start_word":691,"end_word":708,"intents":[{"intent":"Gather and save money","confidence_score":0.00062901905}]},{"text":"Now when it comes to assets as well, I do wanna make sure I have the updated information because, obviously, I know that you went through and split some of that with your previous partner as well. So I do wanna check as well that I have the most kind of finalized information. Has all the assets and everything, has that all been finalized through the separation?","start_word":823,"end_word":889,"intents":[{"intent":"Check finalized information","confidence_score":0.02747257}]},{"text":"So with the property, Mhmm. is that do you have that one, your the PPR? For for which one?","start_word":903,"end_word":921,"intents":[{"intent":"Determine ppr and property details","confidence_score":0.0010709933}]},{"text":"But you still kind of own the the property and stuff? I I write it still.","start_word":1041,"end_word":1056,"intents":[{"intent":"Identifyself as owner","confidence_score":5.327258e-7}]},{"text":"Is there a mortgage attached to that one? No.","start_word":1071,"end_word":1079,"intents":[{"intent":"Inquire about mortgage","confidence_score":0.06637893}]},{"text":"I also normal. have a motor vehicle ride at about 60,000, a Toyota. Mhmm.","start_word":1084,"end_word":1097,"intents":[{"intent":"Confirm vehicle ride","confidence_score":0.05122669}]},{"text":"Is that from the insurance point of view, if it's been alright. Perfect.","start_word":1299,"end_word":1311,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.012123608},{"intent":"Verify insurance coverage","confidence_score":0.0021527908}]},{"text":"Now when it comes to estate planning as well, I did have a quick look at your nomination on your super account, and I do have Hailey No. nominated for your super. So would you like to update that? Yeah.","start_word":1520,"end_word":1559,"intents":[{"intent":"Update nominations and cover letters","confidence_score":0.00049322104}]},{"text":"And do you have any other financial goals or nonfinancial is. goals that you are kind of working towards? Yeah.","start_word":1748,"end_word":1767,"intents":[{"intent":"Discuss financial goals","confidence_score":0.029443266}]},{"text":"Well, what are my financial situation gonna be like that? What's inflation?","start_word":1944,"end_word":1955,"intents":[{"intent":"Discuss financial situation","confidence_score":0.13298592},{"intent":"Discuss financial situation","confidence_score":0.054291412}]},{"text":"And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market.","start_word":2080,"end_word":2118,"intents":[{"intent":"Assess portfolio value","confidence_score":0.046734042}]},{"text":"trends in the market, potentially Exactly. invest that a little bit more. Okay.","start_word":2228,"end_word":2240,"intents":[{"intent":"Evaluate market trends","confidence_score":0.020557292}]},{"text":"And now that tells me here that you have come out as a growth investor, and that is exactly that portfolio that we currently have you invested in, which is good. Now Mhmm.","start_word":2379,"end_word":2411,"intents":[{"intent":"Growth portfolio growth","confidence_score":0.000010628995}]},{"text":"So I have to send you an email with the documents. I'll just kind of briefly go through with you.","start_word":2721,"end_word":2740,"intents":[{"intent":"Send documents","confidence_score":0.04232641}]},{"text":"do have any questions later, let me know.","start_word":2748,"end_word":2755,"intents":[{"intent":"Answer questions","confidence_score":0.36801878}]},{"text":"Now you would have seen this one before. It's just a bit of an updated document. It's one of those compliance documents, but it does give you all the important information regarding us here at OCU.","start_word":2871,"end_word":2906,"intents":[{"intent":"Update documents","confidence_score":0.0692055}]},{"text":"have to change it because it also depends on if you feel that 6,326 is sufficient to meet your expenses or whether Mhmm. you would like to increase it. So, basically, with the income protection, you can have up to 70% of your income covered. So you could technically be covered up to 8,166 a month. Obviously, Yeah.","start_word":3120,"end_word":3177,"intents":[{"intent":"Change premium","confidence_score":0.0037123172}]},{"text":"The only way, though, is that she would have to sign the document Yeah. to approve it. So Yeah.","start_word":3331,"end_word":3349,"intents":[{"intent":"Obtain authorization","confidence_score":0.0050864303}]},{"text":"And then when he has the under review with her, he can let her know that that's what you would Yep. like to do, and then we can take it from there. If she's happy Yeah. Private. with that, we can then get a form authorized through to get that sorted. Yep.","start_word":3427,"end_word":3478,"intents":[{"intent":"Review documents","confidence_score":0.00533249}]},{"text":"So when it comes through your portfolio as well, so both of them actually. So Mhmm.","start_word":3704,"end_word":3719,"intents":[{"intent":"Discuss and discuss portfolio changes","confidence_score":0.0021689818}]},{"text":"Now having a bit of a look at your investments as well because it is something we obviously research all the time to make sure that we do have you invested in the best options possible because things are always changing. Now one of the investments in your portfolio, which is your Benelon Australian Equity, has underperformed a little bit recently. They've been a little bit slower with making their investment choices as well.","start_word":3824,"end_word":3897,"intents":[{"intent":"Discuss investment choices","confidence_score":0.0078273695},{"intent":"Discuss investment choices","confidence_score":0.012365136}]},{"text":"So what I would like to do, if you are happy for me to do so, it's to just do a little bit of research on, an alternative option and see if we can switch that out for you. Yep.","start_word":3939,"end_word":3978,"intents":[{"intent":"Plan investment change","confidence_score":0.024710817}]},{"text":"So I will just triple check that that's aligning with your account.","start_word":4050,"end_word":4061,"intents":[{"intent":"Discuss investment alignment","confidence_score":0.0027404944}]},{"text":"send you a record of advice to outline what the change is as well just for your reference. Yeah. Perfect.","start_word":4089,"end_word":4108,"intents":[{"intent":"Send advice","confidence_score":0.5232465}]},{"text":"Now I will just have to speak to my colleague as well just to confirm that, obviously, Haley's happy with the same thing. And then we can issue individual record of advice as well to show that change. Yeah.","start_word":4213,"end_word":4251,"intents":[{"intent":"Confirm agreement","confidence_score":0.18882135}]},{"text":"And then the last two documents is that when you if you're happy to do so, when you click on the link process sign now, it will ask you to sign two documents.","start_word":4296,"end_word":4328,"intents":[{"intent":"Sign documents","confidence_score":0.023656415}]},{"text":"But, otherwise, these documents just let us service your account and everything in the meantime. Got it.","start_word":4410,"end_word":4426,"intents":[{"intent":"Service account","confidence_score":0.011784607}]}]},"sentiments":{"segments":[{"text":"Hello. Ben speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04847623407840729},{"text":"Good afternoon, Benjamin.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3601907789707184},{"text":"This is Veronica from XQ Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.2682825028896332},{"text":"Good. Thanks. I had you booked in this afternoon to go over your annual review. Is now still a good time for you?","start_word":15,"end_word":37,"sentiment":"positive","sentiment_score":0.45157957077026367},{"text":"Yep. Still good. Yep.","start_word":38,"end_word":41,"sentiment":"neutral","sentiment_score":0.24979056417942047},{"text":"Perfect.","start_word":42,"end_word":42,"sentiment":"positive","sentiment_score":0.4578538835048675},{"text":"Now just before I do go any further, I just need to let you Fine. know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. That's fine. Perfect. And just to confirm I am speaking with the right person, just for security purposes, could you just confirm your full name, date of birth, and address for me, please? I have Benjamin Jones plea. Hang Yep. on twenty fifth and twelve. Don't mind anyone. Yep. Perfect. I'm sorry. Just your address as well. 281 Church Lane, Castle Lane. Yep.","start_word":43,"end_word":136,"sentiment":"neutral","sentiment_score":0.0631442740559578},{"text":"Perfect. That's exactly what I have here.","start_word":137,"end_word":143,"sentiment":"positive","sentiment_score":0.4812270104885102},{"text":"And how's your day been so far? Been busy. K. Not too bad. Thank you. Yours? Yeah. Yeah. It's been pretty busy, but it's going really fast. So I can't really complain. Now, Benjamin, before I do kind of jump into the under review there with you, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus a bit more on or whether it's just a bit of a catch up to see what's happened in the last twelve months. Yeah. Nothing specific from my end. Yep. Perfect. So my what I might do then is just quickly go through a bit of an updated fact find with you first just to see if there's anything that's kind of major that has changed in in your life or if we need to make any changes through your advice. And then I'll kind of go through your portfolio and everything and see what's happened in the last twelve months. Mhmm. So just bear with me as I do go through your fax line here with you. Now when it comes to your personal information, I have you down here as separated with two financial dependents. Is that correct? That's correct. Yes. Yep.","start_word":144,"end_word":366,"sentiment":"neutral","sentiment_score":0.027075551700832597},{"text":"Perfect.","start_word":367,"end_word":367,"sentiment":"positive","sentiment_score":0.5990523099899292},{"text":"Now I don't have a next of kin on file for you. So Mhmm. in the event that we can't contact you, who is someone that we could contact? And that can be anybody. And then did that remain confidential? Yes. Yeah. Yeah. I have someone I can use for my Next and PIN. Yes. Perfect. Yeah. Would you mind just providing me the name and contact number? Yeah. Tony. Yep. Tony. Yep. And last last name? Baker. Baker. Yep. Perfect. And phone number, please? 00433 Four four double three. Yep. 218 Three one eight. Yep. 791. 791. Perfect. And just relationship to yourself as well.","start_word":368,"end_word":473,"sentiment":"neutral","sentiment_score":0.01808050461113453},{"text":"Perfect. Thank you very much.","start_word":474,"end_word":478,"sentiment":"positive","sentiment_score":0.6153232455253601},{"text":"Now when it comes to employment information, has any of that changed Mhmm. in the last twelve months, or I'm still What do working you what do as you have a on file? yeah. I have project manager. And does it say company? No. It says within No. construction. So that's yeah. So it's a property services manager. Property service manager. Alright. I'll update that. Property service manager. Perfect. And is it still within which industry does would that be It's as well? at age aged Aged care. Perfect. And when did you start there? care. Two years ago. Okay. Perfect. And do you like it? I I paid the bills. Yeah.","start_word":479,"end_word":590,"sentiment":"neutral","sentiment_score":0.011434093117713928},{"text":"That's good.","start_word":591,"end_word":592,"sentiment":"positive","sentiment_score":0.4232196509838104},{"text":"For working full time? Yes, ma'am. Yes. Perfect. And about the standard thirty eight hours? Again. Yes. Perfect. Now I have income at 115. Did that change with the occupation? How much was that? Sorry. 115. 15. Yes. 1 Yep. 1 And that's 5. both both. What's that? Got Sorry. 100 and and then 140. 140. Oh, perfect. Yep.","start_word":593,"end_word":651,"sentiment":"neutral","sentiment_score":0.04752322286367416},{"text":"A nice little increase.","start_word":652,"end_word":655,"sentiment":"positive","sentiment_score":0.3922460973262787},{"text":"And do you get paid, like, bonuses or overtime or anything on top of it, No. or is that just, like, your space? Perfect. No. No. Now do you track your expenses at all? Like, would you know your total bills and expenses and if you save anything on a weekly basis? I do, but not right off the top of my head. It is written down. No. That's okay. Do you know if you save anything, like, Yes. on a I weekly do. fortnight? Yeah. Okay.","start_word":656,"end_word":742,"sentiment":"neutral","sentiment_score":-0.002363297360381861},{"text":"Perfect.","start_word":743,"end_word":743,"sentiment":"positive","sentiment_score":0.41287708282470703},{"text":"K. It just kinda fluctuates, I imagine, a little bit based Yeah. on It does. all the expenses Depending on and what everything. might come up. Yeah. Exactly. Yeah. Perfect. Now your employer at the moment as well, are they just paying that standard 12% contribution interest super? Like, there's no special Yes. That's enterprise right. bargain.","start_word":744,"end_word":800,"sentiment":"neutral","sentiment_score":0.04544162377715111},{"text":"Like, great.","start_word":801,"end_word":802,"sentiment":"positive","sentiment_score":0.4093252718448639},{"text":"Perfect. And you're not making any additional contributions No. Not through at this super, stage. otherwise? No. No. Great. Perfect. Now when it comes to assets as well, I do wanna make sure I have the updated information because, obviously, I know that you went through and split some of that with your previous partner as well. So I do wanna check as well that I have the most kind of finalized information. Has all the assets and everything, has that all been finalized through the separation? It's almost at the end of it. Yes. Almost at the end. Okay. So with the property, Mhmm. is that do you have that one, your the PPR? For for which one? Sorry. The one that's started at 3,700,000? Yes. I have that one. Yep. Perfect. And no remortgage attached to that one? Perfect. And is it still valid at about three point seven, or No. Yes. did Yes. that It is. yeah. Okay. Perfect. Now I have also two investment properties. Yeah. I've I've sold one Mhmm. of them. Yep. Okay. And is that the one where it was valued at 800 or the $8.60? The $8.60. The $8.60. You sold that Yeah. one? It was a it was K. yeah. It was all that Yep. property. Okay. Perfect. And do you have the other one still? I guess that's what the the ex is living in. Yes. K.","start_word":803,"end_word":1039,"sentiment":"neutral","sentiment_score":0.026424491589393796},{"text":"Perfect.","start_word":1040,"end_word":1040,"sentiment":"positive","sentiment_score":0.39828968048095703},{"text":"But you still kind of own the the property and stuff? I I write it still. Yes. Yes. Yes.","start_word":1041,"end_word":1059,"sentiment":"neutral","sentiment_score":0.08242645859718323},{"text":"Perfect.","start_word":1060,"end_word":1060,"sentiment":"positive","sentiment_score":0.4518112540245056},{"text":"Value about $809.50. It's now 9 at $9.50.","start_word":1061,"end_word":1068,"sentiment":"neutral","sentiment_score":0.20951604843139648},{"text":"Perfect.","start_word":1069,"end_word":1069,"sentiment":"positive","sentiment_score":0.35075587034225464},{"text":"Yeah. Is there a mortgage attached to that one? No. That's No. Alright.","start_word":1070,"end_word":1082,"sentiment":"neutral","sentiment_score":0.011951765045523643},{"text":"Perfect.","start_word":1083,"end_word":1083,"sentiment":"positive","sentiment_score":0.3445048928260803},{"text":"I also normal. have a motor vehicle ride at about 60,000, a Toyota. Mhmm. Yep. You still have that one? Yeah. Yeah. That's yeah. Yep.","start_word":1084,"end_word":1108,"sentiment":"neutral","sentiment_score":0.07771950960159302},{"text":"I do still like that one.","start_word":1109,"end_word":1114,"sentiment":"positive","sentiment_score":0.4034936130046845},{"text":"Yep.","start_word":1115,"end_word":1115,"sentiment":"neutral","sentiment_score":0.2002391666173935},{"text":"Perfect.","start_word":1116,"end_word":1116,"sentiment":"positive","sentiment_score":0.4371282160282135},{"text":"And you don't have anything owing on that one, do you? No. No. No. Great. And also a trailer ride at about 7,000? Yep. Still want that Yep. one. Perfect. Any other assets we haven't gone over that's changed or I new do access? have other vehicles. Yep. Perfect. How many? Two. Two more? Alright. Perfect. I've got two. And how much would you say that they are combined? The combined, maybe 60. 70 Sorry. Was that to 70. 50 or 60? 70. Combined, say 70 combined. Perfect. Anything owing? No. Amazing. Any other liabilities, like No. personal loans, credit cards, ZipPay? No. No loans. No debts. No. Amazing. Now health and lifestyle wise, I do have you here as a smoker. Is that still the case? No. No. Perfect. And when was the last time you had, like, cigarettes? Was that over twelve months ago or within the last twelve months? Probably probably within that. Within perfect. Yeah. Let me check here for you.","start_word":1117,"end_word":1281,"sentiment":"neutral","sentiment_score":0.017811087891459465},{"text":"That's good.","start_word":1282,"end_word":1283,"sentiment":"positive","sentiment_score":0.4384225904941559},{"text":"Because the reason I do ask is let me just bring up your insurances. Mhmm. Is that from the insurance point of view, if it's been alright.","start_word":1284,"end_word":1310,"sentiment":"neutral","sentiment_score":0.04767521843314171},{"text":"Perfect.","start_word":1311,"end_word":1311,"sentiment":"positive","sentiment_score":0.4587150812149048},{"text":"Now we did have you down here as a nonsmoker, so that's good. It's just if if it was smokers on the insurances when we took it out for you and you stopped smoking, if it's the the insurance kinda need to wait twelve months before they are happy to reassess it and remove smokers. Right? But you don't have smokers right on the policy, so that's great. So we don't need to do or change anything. No. That's okay.","start_word":1312,"end_word":1391,"sentiment":"neutral","sentiment_score":0.08795974785462021},{"text":"So that's good.","start_word":1392,"end_word":1394,"sentiment":"positive","sentiment_score":0.5357596278190613},{"text":"Any other changes to health and lifestyle or all kind of the same? Nope. That's good. And do you have private health insurance? No. Yes. I do. Yes. Perfect. And is that hospital as well? Yes. It is. Yep.","start_word":1395,"end_word":1433,"sentiment":"neutral","sentiment_score":0.1386343240737915},{"text":"Perfect.","start_word":1434,"end_word":1434,"sentiment":"positive","sentiment_score":0.44013363122940063},{"text":"Especially with your income as well, you don't wanna have to pay that additional medical levies there. No. So that's That's exactly good. right. Now when it comes to estate planning, do you have a will in place? No. No. Do you have anyone who makes any financial decisions for you? No. Perfect. And are you politically exposed or earn an income overseas? Say that again. Sorry. Are you politically exposed? Like, are you involved directly in politics or earn any income from that's perfect. Now when it comes to estate planning as well, I did have a quick look at your nomination on your super account, and I do have Hailey No. nominated for your super. So would you like to update that? Yeah. I will. Yes. Now to get them updated, I will get to the team to resend those out to you because you are making a legal nomination. They do have to be web signed. Do you have access to a printer, or do you prefer Yes. post? I do. No. No. I Yep. do.","start_word":1435,"end_word":1613,"sentiment":"neutral","sentiment_score":0.06271801888942719},{"text":"Perfect. It just makes it a bit quicker.","start_word":1614,"end_word":1621,"sentiment":"positive","sentiment_score":0.3560398519039154},{"text":"So I will get the team to email you the new form Mhmm. as long with the cover letter as well. And if you do have any issues on completing them, just let me know. Otherwise, I'll get them sent out to you as soon as possible so we can get that updated for you.","start_word":1622,"end_word":1676,"sentiment":"neutral","sentiment_score":0.21287089586257937},{"text":"Perfect. Perfect.","start_word":1677,"end_word":1678,"sentiment":"positive","sentiment_score":0.435232937335968},{"text":"Now the next thing to run over is just some goals.","start_word":1679,"end_word":1689,"sentiment":"neutral","sentiment_score":0.22218382358551023},{"text":"So stuff that you are working towards that you are kind of wanting to achieve in the near future or long term.","start_word":1690,"end_word":1711,"sentiment":"positive","sentiment_score":0.36007434129714966},{"text":"Last time, when you spoke to my colleague, Dana, their focus was to potentially buy another investment property down the track. Is that still kind of, a goal of Yes. yours? Yeah. Yes. It Yep.","start_word":1712,"end_word":1746,"sentiment":"neutral","sentiment_score":0.19277267158031464},{"text":"Perfect.","start_word":1747,"end_word":1747,"sentiment":"positive","sentiment_score":0.7324080467224121},{"text":"And do you have any other financial goals or nonfinancial is. goals that you are kind of working towards? Yeah. Obviously, you wanna add more to the property I already live on. Yep. So just do some renovations or Yeah. That's yeah. correct.","start_word":1748,"end_word":1790,"sentiment":"neutral","sentiment_score":0.17552684247493744},{"text":"Perfect. Property.","start_word":1791,"end_word":1792,"sentiment":"positive","sentiment_score":0.47781503200531006},{"text":"Anything else? That's it. No. Okay.","start_word":1793,"end_word":1798,"sentiment":"neutral","sentiment_score":0.1025269627571106},{"text":"Perfect.","start_word":1799,"end_word":1799,"sentiment":"positive","sentiment_score":0.4150660037994385},{"text":"Now the next thing I do quickly wanna run over with you is just an updated risk profile questionnaire just to see if we need to make any changes to your risk profile within your superannuation. Yep. So think of these questions as well. In regards to your superannuation, And at the moment, do you still kind of planning on accessing super at 60 when you can, or do you think you'd yeah.","start_word":1800,"end_word":1872,"sentiment":"neutral","sentiment_score":0.0957062840461731},{"text":"Perfect.","start_word":1873,"end_word":1873,"sentiment":"positive","sentiment_score":0.4755660891532898},{"text":"And an income of about $1,000 per week, do you think that's sustainable, or do you think Yes. you'd wanna Yeah. draw a I think bit so. more? Yeah. Perfect. No. If that's that's sort of the going Yeah. right up And first and sometimes it's hard as well because it's it's plenty of time until you turn 60. step. Sorry. Yeah. It's Exactly. also hard sometimes to know. Okay. Well, what are my financial situation gonna be like that? What's inflation? What things are gonna cost? But you're in a really good financial situation asset wise and with your income as well and don't really have any debt Mhmm. to pay out.","start_word":1874,"end_word":1986,"sentiment":"neutral","sentiment_score":0.022557562217116356},{"text":"So so that's a really good position to be in.","start_word":1987,"end_word":1996,"sentiment":"positive","sentiment_score":0.4752310514450073},{"text":"Now, Benjamin, have you ever invested in direct shares yourself on the stock market? No. No. Perfect. And in terms of how much risk you are willing to take for your superannuation, would you say that you are willing to accept, you know, very high risk in order to try to grow your super as much as possible? Just high risk, a bit more kind of moderate or a small amount of risk. Let's check on the Antonine. It's high. Okay.","start_word":1997,"end_word":2077,"sentiment":"neutral","sentiment_score":-0.09866196526513424},{"text":"Perfect.","start_word":2078,"end_word":2078,"sentiment":"positive","sentiment_score":0.4438661336898804},{"text":"Yeah. And when it comes to volatility, so how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the financial market. Would you, if you had the option to do so, wanna take advantage of that by thinking now is potentially a good time to invest a little bit more while the prices are down, or would you hold and wait to see what happens, or would you want to shift to a more secure asset, but that means then selling while the prices have already dropped? Well, it depends on if it's likely Yeah. to It's a bit climb hard. again. But Yeah. otherwise, yeah, you could invest more while it's low. Yep. Okay. So for time depending on the reason Mhmm. being and if it's just general Yeah. trends in the market, potentially Exactly. invest that a little bit more. Okay. Perfect. Yeah. And the last one here is if you did see some fluctuations in your super or any assets really. Now in the last twelve months, we've had obviously a bit of fluctuations in the market. So first, you obviously had Trump and tariffs and everything and more recently, the war. So we have seen a bit of fluctuation in the market. If it was Mhmm. something that you noticed, how do you think that would make you feel? Optimistic about potential future opportunities, a bit more cautious, not making further investments, that concerned or highly anxious?","start_word":2079,"end_word":2338,"sentiment":"neutral","sentiment_score":-0.10441645979881288},{"text":"I'd probably not be trying to invest anymore at the moment.","start_word":2339,"end_word":2349,"sentiment":"negative","sentiment_score":-0.4973205327987671},{"text":"Okay. So more kind Yeah. of neutral, not super Yeah. Just anxious, sort but of not skin putting and more white. in. Yeah. Yeah. Yep. Alright. Yeah. Perfect. And now that tells me here that you have come out as a growth investor, and that is exactly that portfolio that we currently have you invested in, which is good. Now Mhmm. do you remember what a growth investor is at all? Bagley. Yep. Very Bailey. Yeah. No. So, basically, it's someone who's looking at getting, you know, as much growth as you can out of your superannuation, Yeah. but you do have plenty of time, and you are prepared to experience, you know, some level of fluctuation in order to achieve that. So not high growth or aggressive, but some kind of somewhere in the middle where you do still wanna, you know, grow your super. And when it comes to an asset allocation point of view, we typically see 80% invested in what we would call your growth assets. So this would be your Australian shares, international shares, as well as property and commodities, and that is what's going to grow your super. And then about 20% in defensive, so, like, your cash, your gold, your fixed interest, it limit fluctuations a little bit. And when it comes to a time frame, so making sure that you have enough time in the market for those fluctuations. In a growth portfolio, we typically want to allow at least six years until retirement. So from a time frame point of view, you definitely have that behind you as long as you still feel comfortable with, like, the level of fluctuations and being in a growth portfolio. You'd still feel happy to stay in a growth portfolio? Yeah. Yeah. That's fine.","start_word":2350,"end_word":2648,"sentiment":"neutral","sentiment_score":0.11907683013872956},{"text":"Amazing. Yeah. Perfect.","start_word":2649,"end_word":2651,"sentiment":"positive","sentiment_score":0.4220369756221771},{"text":"Now are you driving at the moment, or do you have access to your emails? No. I am, Julie. Yeah. Okay. Perfect. So if you are happy for me to do so, I'll just kind of quickly run through a couple of documents. And then later, when it is obviously safe for you to do so and when you have a moment, just have a look through the documents. So I have to send you an email with the documents. I'll just kind of briefly go through with you. Yep. And, yeah, No if you worries. do have any questions later, let me know.","start_word":2652,"end_word":2755,"sentiment":"neutral","sentiment_score":0.15324315428733826},{"text":"And, yeah, just so don't want you doing anything if it's not safe to do so.","start_word":2756,"end_word":2771,"sentiment":"negative","sentiment_score":-0.4695117473602295},{"text":"So, basically, when you do have a look at the email, before you click on the link where it says sign now, at the bottom of the email, you will see a couple of attachments. Now it might look a little bit different, the email, to what you were used to before because we recently have changed the software. So before you Mhmm. click on the link at the bottom, that's all your supporting documents. So what you will see is you will see through through documents first, which is a financial services site and an OQ services site. Now you would have seen this one before. It's just a bit of an updated document. It's one of those compliance documents, but it does give you all the important information regarding us here at OCU. None of the fundamental information has changed, but we've had a bit of an extension to the team, which is good. So all the information about the team, our directors and advisers and everything, that's all in that document for you. Now you will also have a summary form. So that will be a super and insurance summary. And when you do have a look at that, you will see that you do have your super would have 24. Now you do have about a $132,171 in there. Mhmm. Now you also have your insurances with Zurich. So for your life and total permanent disability, you have $1,414,618 worth of life and KPD. Now are you still happy with that level of cover for your life and KPD? Yeah. That's fine. Yeah.","start_word":2772,"end_word":3038,"sentiment":"neutral","sentiment_score":0.10290153324604034},{"text":"Yeah. Perfect.","start_word":3039,"end_word":3040,"sentiment":"positive","sentiment_score":0.42433029413223267},{"text":"Now you also have an income protection policy, and that will pay Mhmm. you a monthly amount of 6,326. You do have a thirty day waiting period and a five year benefit period. Now all those three are paid from superannuation. And after the tax rebate, that is $1,915. Now with your income protection as well, because your income have increased, you are a little bit underinsured at the moment for the income protection. Doesn't mean you Mhmm. have to change it because it also depends on if you feel that 6,326 is sufficient to meet your expenses or whether Mhmm. you would like to increase it. So, basically, with the income protection, you can have up to 70% of your income covered. So you could technically be covered up to 8,166 a month. Obviously, Yeah. by increasing it, it's going to increase the premium, and we'll have to go through, like, a full underwriting process again because the insurers will take on more risk. So they would like to, you know, reassess everything again. Would you like to look at changing it, or do you think that six three will I'm happy meet to your stay. happy to state?","start_word":3041,"end_word":3240,"sentiment":"neutral","sentiment_score":0.030999411491211503},{"text":"Great. Perfect.","start_word":3241,"end_word":3242,"sentiment":"positive","sentiment_score":0.6220179200172424},{"text":"Now you do also have a personal investment account, Mhmm. and that is, joint obviously with, your Yes. previous partner. So with that as well, you do have, a $171,094 in there. Now because it's obviously joined in Mhmm. both of your names, but, Haley is the account owner on the account. So do you know if the personal investment account of being split or changed or what your kind No. of Is goal there is? is there a way that we can get the owner changed? Yes. The only way, though, is that she would have to sign the document Yeah. to approve it. So Yeah. I know that we can get those forms drawn up. Mhmm. And just a conflict of interest, I obviously can't be her adviser or deal with No. her No. because Of I'm just course. looking Yeah. after your needs. But one of my colleagues, Tommy, is looking after her account. So I can liaise with him Yep. and Yep. say that you would like to look at getting that changed over to your Mhmm. account name. Yep. And then when he has the under review with her, he can let her know that that's what you would Yep. like to do, and then we can take it from there. If she's happy Yeah. Private. with that, we can then get a form authorized through to get that sorted. Yep. Yep. If she comes back and says differently, then I Mhmm. can give you a call, and then we can see what we can do. Yeah. That's that's But we fine. can And then it will yeah. still remain joint signatories anyway to Yes. It is do exactly. anything with the money. Yeah. Exactly. Unless you guys are planning on, you know, changing anything there. No. Not at this not at this stage, but, No. yeah, she can't do anything with it anyway without No. my approval. Yeah. Yeah. It's just at the moment. Yeah. Because she's the account older owner. Yeah. Like, when it comes to, like, the fee agreement, that would all kind of go to her at the moment. And, also, if making any changes on the account and stuff like that, would obviously have to be, a joint Yeah. discussion That that as well. that's fine. That's fine. Yeah. Okay. It's just Yep. that I'm the one that funds it, so I wanna own it. Yeah. No. That makes sense. And I try to look at that. So, yeah, I will speak to my colleague and see if we can get that sorted, and then I Yeah.","start_word":3243,"end_word":3679,"sentiment":"neutral","sentiment_score":0.03614931385665791},{"text":"will just kind of keep you in the loop with I'm glad to when be appreciated. he's spoken, yeah, to to her and stuff.","start_word":3680,"end_word":3703,"sentiment":"positive","sentiment_score":0.4864087700843811},{"text":"So when it comes through your portfolio as well, so both of them actually. So Mhmm. when it comes to first your your student graduation, so in the documents, you will see a twelve month performance report. Now that is of your superannuation. So that tells us, kind of like I touched on earlier, we have obviously seen a bit of fluctuations in the market the last twelve months.","start_word":3704,"end_word":3772,"sentiment":"neutral","sentiment_score":0.14470110833644867},{"text":"But despite all of that, your portfolio has held up really well. So in the last twelve months, now after all fees have been deducted from your account, your portfolio in super has still gone up by 9.8%. We're quite happy with that given what's happened in the market.","start_word":3773,"end_word":3821,"sentiment":"positive","sentiment_score":0.49970948696136475},{"text":"Yeah. Now having a bit of a look at your investments as well because it is something we obviously research all the time to make sure that we do have you invested in the best options possible because things are always changing. Now one of the investments in your portfolio, which is your Benelon Australian Equity, has underperformed a little bit recently. They've been a little bit slower with making their investment choices as well. And the purpose behind this investment is to actively buy and sell different investments in order to try to outperform the market. But like I said, they've been a little bit slower with making those choices and have underperformed a bit recently. So what I would like to do, if you are happy for me to do so, it's to just do a little bit of research on, an alternative option and see if we can switch that out for you. Yep. And yeah. So it will kind of be a similar, obviously. It won't change the front foundation of your portfolio. We'll still obviously, if we're replacing an Australian investment, we won't obviously keep it in the Australian through keeping your whole portfolio diversified. Yep. But we've done a lot of research on different options, and there is one which has performed a little bit better and it's a little bit cheaper. So I will just triple check that that's aligning with your account. And if so, if you're happy for me to do so, I will go ahead and make the change, just that one investment, and I will Yep. send you a record of advice to outline what the change is as well just for your reference. Yeah.","start_word":3822,"end_word":4107,"sentiment":"neutral","sentiment_score":0.06295474780189407},{"text":"Perfect.","start_word":4108,"end_word":4108,"sentiment":"positive","sentiment_score":0.40242254734039307},{"text":"Yeah.","start_word":4109,"end_word":4109,"sentiment":"neutral","sentiment_score":0.30727049708366394},{"text":"Perfect.","start_word":4110,"end_word":4110,"sentiment":"positive","sentiment_score":0.4815153181552887},{"text":"You don't need to sign it or anything like that, but I will send it to you anyway so that you have it on your record so you know that change.","start_word":4111,"end_word":4141,"sentiment":"neutral","sentiment_score":0.28190645575523376},{"text":"Thank you.","start_word":4142,"end_word":4143,"sentiment":"positive","sentiment_score":0.4549303948879242},{"text":"Yeah.","start_word":4144,"end_word":4144,"sentiment":"neutral","sentiment_score":0.22623223066329956},{"text":"Perfect.","start_word":4145,"end_word":4145,"sentiment":"positive","sentiment_score":0.3695679306983948},{"text":"No. That's okay.","start_word":4146,"end_word":4148,"sentiment":"neutral","sentiment_score":0.21609358489513397},{"text":"Now with the personal investment account, that one has done really well as well. And after fees, it's been 14.32%. So it's Yeah. done really well as well. Now it is the same one, which you do have been along invested in that account. So, again, if you are happy for me to do so, Yeah. That's I can fine. get that switched out. Now I will just have to speak to my colleague as well just to confirm that, obviously, Haley's happy with the same thing.","start_word":4149,"end_word":4235,"sentiment":"positive","sentiment_score":0.4495044258134118},{"text":"And then we can issue individual record of advice as well to show that change. Yeah. No worries.","start_word":4236,"end_word":4253,"sentiment":"neutral","sentiment_score":0.26233601570129395},{"text":"Yep. Great. Perfect.","start_word":4254,"end_word":4256,"sentiment":"positive","sentiment_score":0.6153384447097778},{"text":"Now the other two documents you will see is just your Zurich certificate of currency. It just basically breaks down the insurances we touched on already, but just lets you know that's all paid and up to date.","start_word":4257,"end_word":4294,"sentiment":"neutral","sentiment_score":0.31400546431541443},{"text":"Perfect.","start_word":4295,"end_word":4295,"sentiment":"positive","sentiment_score":0.5679320096969604},{"text":"And then the last two documents is that when you if you're happy to do so, when you click on the link process sign now, it will ask you to sign two documents. Now one of them is your ongoing service agreement, and that is just to say that you are happy to remain and stay on as a client. Now there is no changes in regards to the fee structure, So that stays Mhmm. exactly the same at 1.1 from superannuation, so no changes in regards to that. And this is not a lock in contract. So if at any point in time you are not happy, there is no lock in contract. But, otherwise, these documents just let us service your account and everything in the meantime. Got it. And then the last one, it is just a compliance form. It's just a tax file number to say that we are keeping your tax file number secure and safe on file. Did that all make sense? Do you have any questions? Yes. That that all makes sense. No. Okay. Perfect. So like I said, when it's safe for for you to do so, when you have a moment, have a look through the documents. If you have any questions, let me know, and we can always I can always give you a call and go through anything. But if not, if it all makes sense and you are happy with it, I'll just need you to sign those documents. Once you've added your signature and date, it will then send it back to me, and I can get the team to upload and get that all sorted for you. In the meantime, I will also get the the team to email you this beneficiary form so we can get that updated and sorted for you. And I will Mhmm. speak to my colleague, Tommy, as well in regards to trying to get that ownership changed to your name, and then keep a lookout for that record of advice to show the investment change as well. No worries.","start_word":4296,"end_word":4644,"sentiment":"neutral","sentiment_score":0.1848458890245432},{"text":"Yes. Perfect.","start_word":4645,"end_word":4646,"sentiment":"positive","sentiment_score":0.5569598078727722},{"text":"Now do you have any questions or anything else for me before I let No. you go Nothing otherwise then, nothing for me. Nothing No. for Okay. me.","start_word":4647,"end_word":4674,"sentiment":"neutral","sentiment_score":0.06372954696416855},{"text":"Perfect. Well, I will let you go and enjoy the rest of your afternoon.","start_word":4675,"end_word":4688,"sentiment":"positive","sentiment_score":0.6172544956207275},{"text":"If there is anything else that you need though at any point in time, don't hesitate to give me a call.","start_word":4689,"end_word":4709,"sentiment":"neutral","sentiment_score":0.1490730494260788},{"text":"No worries. Thank you very much for your time. No problem at all. We'll speak soon. Take care.","start_word":4710,"end_word":4727,"sentiment":"positive","sentiment_score":0.5239406228065491},{"text":"Bye bye. You too. Bye.","start_word":4728,"end_word":4732,"sentiment":"neutral","sentiment_score":0.24855965375900269}],"average":{"sentiment":"neutral","sentiment_score":0.0906391618939057}}}}