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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And before I do kind of jump into things as well, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see where everything's at? Yes. Yeah. Beautiful. Thank you so much. Now are you kind of on the go at the moment, or do you have access to your emails? Either way, it's fine. Yeah? Okay. Before I do get you to jump into the email, I'll just go through just a bit of an updated fact find with you first just to see if there is anything major that has changed in your life or if we need to make any changes to your advice. So just kinda bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that still the case? Yeah. And how old? Yeah. A boy or a girl? Oh, that's exciting. Now next up, Kim, I have Alexandra nominated. That's still the case as well? Yep. You just Now occupation wise, has any of that changed in the last twelve months? Not perfect. So still working as a sleep operator? Yep. Now I have income at about 83,000. That's still the case as well, or has that changed? Still the same? Perfect. And contribution wise, any changes there, or they still pay you that standard 12% contribution? Yep. Perfect. And you're not making any additional contribution into super. Is that from your employer? Correct? No. Perfect. Now asset wise, I know that last time we spoke, you obviously left your property in Brisbane and was having that as an investment property. And we're looking at buying a property in Tasmania. Did you guys end up buying something in Tasmania, or is that still kind of the plan? Oh, nice. And are you guys having that as another investment property, or are you moving there? Okay. Okay. Perfect. And okay. Oh, okay. Perfect. And do you know how much it would be valued at right now at all, roughly? About $6.50. And is there a mortgage attached to that one? Yep. Do you know how much we'd be owing? About see, yes. No. All good. And your yeah. No. That's all good. And your other Brisbane investment property, I have it down at about $9.50. Yes. Yep. And mortgage about $3.90. Yep. I also have a motor vehicle right at about 25,000 with Yep. And savings about 1,500. Oh, nice. 35. Any other new assets in the last twelve months? Any other motorbikes or boats or anything like that? Caravan. Mhmm. Yep. Yep. And how much would that one be worth? It's like that with golf. Alright. Perfect. Okay. Perfect. Anything else? No. That's all good. Health and lifestyle wise, I have you down here as a nonspoker. Is that still the case as well? Yep. Perfect. And have you had any changes to your health in the last twelve months otherwise? No. Perfect. And do you have private health insurance? Yep. And estate planning wise, do you guys have a will or power of attorney in place at all? No. And when it comes through beneficiaries, so for your superannuation, I do have Alexandra nominated at a 100%. But for your insurances, we don't have a nomination on file currently. Would you like that to be the same, or do you want it to any differently? Sorry. For your superannuation, so that will be your hub 24. So if something were to happen to you, the way things are at the moment is that Alex would get you a super, but there is no nomination currently for your child insurances. So, like, your life insurance and stuff. Yep. Okay. Now with the the forms, because they are because you are making a legal nomination, I can get it all prefilled for you, but you will have to get it witnessed and signed. Do you have access to a printer, or do you prefer post? Printer? Okay. Perfect. Well, I'll get the team to email you that. We'll prefill it to Alexandra at a 100%. And do you want the same nomination as your super, the binding non lapsing option? Yep. Perfect. We'll get that all sorted. Now, otherwise, when it comes to goals, the stuff that you are working towards that you are wanting to achieve, obviously, aside from finalizing, the build on the property in South Australia, is there something else that you guys are working towards that you are wanting to achieve at all? Nope. Yep. Yep. See how we how we go from there. No. That sounds sounds like a plan. Yep. Yeah. And then get a bit of a hang on things when that's all up and running. Sure. Yep. No. That's all good. Now next thing is just your risk profile. I know we've gone through this a couple of times, So I won't get you to go through all the questions again. But has anything when it comes to your risk tolerance fluctuations to the market, your views on anything changed, or is it all roughly the same as last year when we went through everything? Okay. Perfect. And just as a bit of a recap for you, we do currently have you invested in your growth portfolio. And, basically, that is for for investors investing while you still have plenty of time. Comfortable with a bit of short term fluctuations in order to get there. And when we are looking at an asset allocation point of view, we see about that eighty twenty split. So about the 80% to your growth investment, which is, like, your international shares, your Australian shares, property, and commodities, and that is what's going to grow that super for you And about 20% in those defensive, your cash, your gold, your fixed interest limit fluctuations a little bit. Does that all make sense? You still happy with that? Yep. Yep. Beautiful. And when we are looking at a time frame, so making sure you have enough time in the market, a typical growth portfolio, we do want to allow around six years until retirement. So making sure you have enough time in the market. And if you are still kind of planning and accessing super at about 60, you do have that that time frame behind you still at the moment. Yeah. Yeah. When oh, yeah. When when if you were to estimate, would you say, like, '65, '67? When do you think you were? 60 five. Yep. No. I totally understand. Obviously, a bit of bit of extra expenses there. Now email wise, if you can access that for me, that would be great. And we have all the changes software, so it might look a little bit different to what you are used to. It is still all digitally, though. It is just a slightly different software. So let me know if that came through okay. Yes, please. So if you click on that one, it will allow you to open up and view all the documents first before it prompts you to sign anything. Let me know what you can see when you open it. Yep. So is that your super insurance summary? Or what can you see? Okay. Perfect. No. So the tile document, it just breaks down your insurances in a little bit more detail. So it basic, yeah, so it basically lets you know it's all kind of paid and up to date. Now when it comes to the insurances, you can see here that you have your life, and that's about a million dollars if something were to happen to you, and then also that total permanent disability insurance, of about 250,000. Now with your life and PPD, has any of that changed in terms of how much cover you feel like is sufficient to meet your goals, or do you think that's still kind of pretty good for what you are after? Yeah. I mean, it would still pay out, obviously, for your life. It would still pay out the mortgage if something ever were to happen on both properties as well, which which is good. And, obviously, a little bit of extra as well. And for the TPD, it will help, obviously, cover a bit of it if need be. Obviously, being an investment property, if something were to happen, you'd still probably get income from those unless, obviously, anything changed and you decided to move into them. So it still kind of gives you a good good amount there for you. Now with your income protection as well, you do have an income protection which will pay you a monthly amount of $4,841 per month. You do have a ninety day waiting period and a two year benefit period. Everything is paid and structured from within superannuation. So you don't have to pay for anything out of pocket for those. Any questions when it comes to your insurances at all there? No. All good. Perfect. Now when it come No. No. Yep. Nothing yet. Okay. You didn't get any other documents? Is that your next one? Okay. Let me have a look because sometimes no. That's all good. Everything will be saved for you afterwards if you wanted to go back. If not, I can always get them emailed to you if you wanted to go and have a have a look. Let me have a look here. No. The the one the next one is the one to sign, but it might they may have skipped a couple of documents. But the one to sign is the one that you're on at the moment. And what I can do is if it's a bit of a glitch in the system, I can always get their team. So when they send you the beneficiary form for your insurances for Alex, I can just get them to attach the documents that way again to make it easier if you did want us to just have a quick review of them. Because, yeah, sometimes the software has a has a bit of a glitch, so I will just get them to include that. But, basically, when you do have them, sorry, the one in between was also just showing you your superannuation balance. Now at the moment, obviously, you have your super in Hub 24, and your super balance as of today is $348,954. Now you will 348 thousand 900 and 50 4. Yep. Now when it comes to your portfolio as well, so with your investments, so the last twelve months have seen a bit of fluctuations in the market, which I'm sure you've heard on the news and everything in the last twelve months have been a little bit turbulent. Obviously, everything in the in The US with Trump and tariffs and everything, so this fluctuation, and, hopefully, more recently with the war as well, have seen a little bit of fluctuation. So the last twelve months, like I said, have been a little bit up and down, and there's been a little bit mixed result in the the market with the investments. So the good thing is that your investments are still very diversified and tailored for that long term growth, and most of your investments have done pretty good. There is one investment that I would like to do a little bit more research on for you and look at changing, which is your Benelung Australian equity investment. The reason I do wanna kind of deep dive and look at changing that one a little bit is that it is slightly underperforming at the moment. Now not always when things are down do we wanna look at changing because you also don't wanna sell when the prices are down. But at the same time, we wanna be proactive. And if we because we do research on the investments all the time. And if we foresee that one is underperforming a little bit and a little bit slower and we don't think it's going to come back around as much or be the best option for you moving forward, then we want to make sure we are proactive with those decisions for you. So if you are yeah. So if you're happy for me to do so, what I would like to do after today is just to kind of go and deep down into your investments a little bit more there for you to see if we need to make any any changes. It will take me about a week or so to put all of that together. Hey. It's not just me. It's my my ring surgeon team as well. Yeah. Now let me have a look here. Next week is filling up pretty quickly, but do you have any availability on Wednesday or Thursday next week? Six times. Alright. Let me have a look. Yeah. Through yep. That will work. Actually, could you do one hour earlier or no? Yeah. Okay. Just sorry. Because I do have another appointment. Sorry. That will be 01:00 next Thursday, the eighteenth. Would you like a reminder text in twelve two hours before? Yes. Perfect. If anything does change and you can't make the appointment, just let me know, and I can always get that shuffled for you. Yep. Perfect. Now the other document that you will get in the email afterwards as well is just an updated financial services guide. You would have seen this one before. It is one of those compliance documents, but it does give you all the important information regarding us here for you. None of the important information has changed. It's all the same. But we've had a bit of an update through, to marketing, which is good. So you will have a look and see that we've had a bit of updated photos, a bit of an extension through the team. If you do have a look through it, again, you will see me on page nine if you do wanna put a face to the voice again. Yep. Now the the one document there that it will ask you to sign if you are happy to do so is that ongoing service agreement. And that is just to say that you are happy to stay on as the client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, it'll allows us to manage your account, your investments, and everything for you in the meantime. Does that all make sense? Yeah. Yeah. Yes. Mhmm. Yes. So the fee structure comes straight from Super. So you don't obviously pay for anything out of pocket. It is calculated usually on an annual basis, but it is deducted from your account on a monthly basis. The reason we do it a monthly is because it's a bit more fair to you with market fluctuations. Because if we were to charge it's just a flat at 1.65%. And if we were to charge that at the time, let's say, a a once off during the year and the market's up a lot, then, obviously, we would take out more money from your account. But, obviously, on the flip side, if the market's down, it would be less. So charging it monthly for you just kind of smooths that out, yeah, with the fluctuations in the market. What? 1.65, Your super balance. Correct. Yep. Does that make sense? Yeah. Yeah. Do you have any questions in regards to the fee structure? Nope. Nope. Yes. How it is. Yep. And the good thing as well with it being monthly, like I said, is that it's not a lock in contract. So like I said, if at any point in time you're not happy, it's not like a one off fee that gets deducted and that's it. It is just to to make things more even for you. Now in the research paper with your investments, I will outline it again for you because it does show, like, all the fees with your hub twenty four adviser fees insurances and then also the return on your investments. And then if I do make a recommendation on changing anything for you, what that would look like as well. So you'll have that full document outlined as well next Thursday when we go through everything. Yep. Perfect. So, yeah, basically, from here, if you are happy to do so, it will just ask for that one signature. I think that is the only one, or there might be one after that one for you. Yep. Perfect. When yes. Of course. You can. Yes. You can always yep. So yes. Exactly. If you have any question at any point in time, don't hesitate to email me. If you think of anything as well, though, you can always just ask me next Thursday when I go through the research on your investment as well. Yep. Beautiful. Well, do you have any other questions for me today so far otherwise? No. Yep. Perfect. Well, thank you so much for your time today, and I look forward to speaking with you more next Thursday, the eighteenth at 01:00 and going through those investments a little bit more detail there for you. No problem. We'll speak next week. Okay. 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afternoon. This is Ranta speaking. No. That's all good. Thanks for calling me back.\n\nDo do you still have some time to go through your interview now? Yes. Alright. Beautiful. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nYep. Perfect. And before I do kind of jump into things as well, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see where everything's at? Yes. Yeah.\n\nBeautiful. Thank you so much. Now are you kind of on the go at the moment, or do you have access to your emails? Either way, it's fine. Yeah?\n\nOkay. Before I do get you to jump into the email, I'll just go through just a bit of an updated fact find with you first just to see if there is anything major that has changed in your life or if we need to make any changes to your advice. So just kinda bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that still the case?\n\nYeah. And how old? Yeah. A boy or a girl? Oh, that's exciting.\n\nNow next up, Kim, I have Alexandra nominated. That's still the case as well? Yep. You just Now occupation wise, has any of that changed in the last twelve months? Not perfect.\n\nSo still working as a sleep operator? Yep. Now I have income at about 83,000. That's still the case as well, or has that changed? Still the same?\n\nPerfect. And contribution wise, any changes there, or they still pay you that standard 12% contribution? Yep. Perfect. And you're not making any additional contribution into super.\n\nIs that from your employer? Correct? No. Perfect. Now asset wise, I know that last time we spoke, you obviously left your property in Brisbane and was having that as an investment property.\n\nAnd we're looking at buying a property in Tasmania. Did you guys end up buying something in Tasmania, or is that still kind of the plan? Oh, nice. And are you guys having that as another investment property, or are you moving there? Okay.\n\nOkay. Perfect. And okay. Oh, okay. Perfect.\n\nAnd do you know how much it would be valued at right now at all, roughly? About $6.50. And is there a mortgage attached to that one? Yep. Do you know how much we'd be owing?\n\nAbout see, yes. No. All good. And your yeah. No.\n\nThat's all good. And your other Brisbane investment property, I have it down at about $9.50. Yes. Yep. And mortgage about $3.90.\n\nYep. I also have a motor vehicle right at about 25,000 with Yep. And savings about 1,500. Oh, nice. 35.\n\nAny other new assets in the last twelve months? Any other motorbikes or boats or anything like that? Caravan. Mhmm. Yep.\n\nYep. And how much would that one be worth? It's like that with golf. Alright. Perfect.\n\nOkay. Perfect. Anything else? No. That's all good.\n\nHealth and lifestyle wise, I have you down here as a nonspoker. Is that still the case as well? Yep. Perfect. And have you had any changes to your health in the last twelve months otherwise?\n\nNo. Perfect. And do you have private health insurance? Yep. And estate planning wise, do you guys have a will or power of attorney in place at all?\n\nNo. And when it comes through beneficiaries, so for your superannuation, I do have Alexandra nominated at a 100%. But for your insurances, we don't have a nomination on file currently. Would you like that to be the same, or do you want it to any differently? Sorry.\n\nFor your superannuation, so that will be your hub 24. So if something were to happen to you, the way things are at the moment is that Alex would get you a super, but there is no nomination currently for your child insurances. So, like, your life insurance and stuff. Yep. Okay.\n\nNow with the the forms, because they are because you are making a legal nomination, I can get it all prefilled for you, but you will have to get it witnessed and signed. Do you have access to a printer, or do you prefer post? Printer? Okay. Perfect.\n\nWell, I'll get the team to email you that. We'll prefill it to Alexandra at a 100%. And do you want the same nomination as your super, the binding non lapsing option? Yep. Perfect.\n\nWe'll get that all sorted. Now, otherwise, when it comes to goals, the stuff that you are working towards that you are wanting to achieve, obviously, aside from finalizing, the build on the property in South Australia, is there something else that you guys are working towards that you are wanting to achieve at all? Nope. Yep. Yep.\n\nSee how we how we go from there. No. That sounds sounds like a plan. Yep. Yeah.\n\nAnd then get a bit of a hang on things when that's all up and running. Sure. Yep. No. That's all good.\n\nNow next thing is just your risk profile. I know we've gone through this a couple of times, So I won't get you to go through all the questions again. But has anything when it comes to your risk tolerance fluctuations to the market, your views on anything changed, or is it all roughly the same as last year when we went through everything? Okay. Perfect.\n\nAnd just as a bit of a recap for you, we do currently have you invested in your growth portfolio. And, basically, that is for for investors investing while you still have plenty of time. Comfortable with a bit of short term fluctuations in order to get there. And when we are looking at an asset allocation point of view, we see about that eighty twenty split. So about the 80% to your growth investment, which is, like, your international shares, your Australian shares, property, and commodities, and that is what's going to grow that super for you And about 20% in those defensive, your cash, your gold, your fixed interest limit fluctuations a little bit.\n\nDoes that all make sense? You still happy with that? Yep. Yep. Beautiful.\n\nAnd when we are looking at a time frame, so making sure you have enough time in the market, a typical growth portfolio, we do want to allow around six years until retirement. So making sure you have enough time in the market. And if you are still kind of planning and accessing super at about 60, you do have that that time frame behind you still at the moment. Yeah. Yeah.\n\nWhen oh, yeah. When when if you were to estimate, would you say, like, '65, '67? When do you think you were? 60 five. Yep.\n\nNo. I totally understand. Obviously, a bit of bit of extra expenses there. Now email wise, if you can access that for me, that would be great. And we have all the changes software, so it might look a little bit different to what you are used to.\n\nIt is still all digitally, though. It is just a slightly different software. So let me know if that came through okay. Yes, please. So if you click on that one, it will allow you to open up and view all the documents first before it prompts you to sign anything.\n\nLet me know what you can see when you open it. Yep. So is that your super insurance summary? Or what can you see? Okay.\n\nPerfect. No. So the tile document, it just breaks down your insurances in a little bit more detail. So it basic, yeah, so it basically lets you know it's all kind of paid and up to date. Now when it comes to the insurances, you can see here that you have your life, and that's about a million dollars if something were to happen to you, and then also that total permanent disability insurance, of about 250,000.\n\nNow with your life and PPD, has any of that changed in terms of how much cover you feel like is sufficient to meet your goals, or do you think that's still kind of pretty good for what you are after? Yeah. I mean, it would still pay out, obviously, for your life. It would still pay out the mortgage if something ever were to happen on both properties as well, which which is good. And, obviously, a little bit of extra as well.\n\nAnd for the TPD, it will help, obviously, cover a bit of it if need be. Obviously, being an investment property, if something were to happen, you'd still probably get income from those unless, obviously, anything changed and you decided to move into them. So it still kind of gives you a good good amount there for you. Now with your income protection as well, you do have an income protection which will pay you a monthly amount of $4,841 per month. You do have a ninety day waiting period and a two year benefit period.\n\nEverything is paid and structured from within superannuation. So you don't have to pay for anything out of pocket for those. Any questions when it comes to your insurances at all there? No. All good.\n\nPerfect. Now when it come No. No. Yep. Nothing yet.\n\nOkay. You didn't get any other documents? Is that your next one? Okay. Let me have a look because sometimes no.\n\nThat's all good. Everything will be saved for you afterwards if you wanted to go back. If not, I can always get them emailed to you if you wanted to go and have a have a look. Let me have a look here. No.\n\nThe the one the next one is the one to sign, but it might they may have skipped a couple of documents. But the one to sign is the one that you're on at the moment. And what I can do is if it's a bit of a glitch in the system, I can always get their team. So when they send you the beneficiary form for your insurances for Alex, I can just get them to attach the documents that way again to make it easier if you did want us to just have a quick review of them. Because, yeah, sometimes the software has a has a bit of a glitch, so I will just get them to include that.\n\nBut, basically, when you do have them, sorry, the one in between was also just showing you your superannuation balance. Now at the moment, obviously, you have your super in Hub 24, and your super balance as of today is $348,954. Now you will 348 thousand 900 and 50 4. Yep. Now when it comes to your portfolio as well, so with your investments, so the last twelve months have seen a bit of fluctuations in the market, which I'm sure you've heard on the news and everything in the last twelve months have been a little bit turbulent.\n\nObviously, everything in the in The US with Trump and tariffs and everything, so this fluctuation, and, hopefully, more recently with the war as well, have seen a little bit of fluctuation. So the last twelve months, like I said, have been a little bit up and down, and there's been a little bit mixed result in the the market with the investments. So the good thing is that your investments are still very diversified and tailored for that long term growth, and most of your investments have done pretty good. There is one investment that I would like to do a little bit more research on for you and look at changing, which is your Benelung Australian equity investment. The reason I do wanna kind of deep dive and look at changing that one a little bit is that it is slightly underperforming at the moment.\n\nNow not always when things are down do we wanna look at changing because you also don't wanna sell when the prices are down. But at the same time, we wanna be proactive. And if we because we do research on the investments all the time. And if we foresee that one is underperforming a little bit and a little bit slower and we don't think it's going to come back around as much or be the best option for you moving forward, then we want to make sure we are proactive with those decisions for you. So if you are yeah.\n\nSo if you're happy for me to do so, what I would like to do after today is just to kind of go and deep down into your investments a little bit more there for you to see if we need to make any any changes. It will take me about a week or so to put all of that together. Hey. It's not just me. It's my my ring surgeon team as well.\n\nYeah. Now let me have a look here. Next week is filling up pretty quickly, but do you have any availability on Wednesday or Thursday next week? Six times. Alright.\n\nLet me have a look. Yeah. Through yep. That will work. Actually, could you do one hour earlier or no?\n\nYeah. Okay. Just sorry. Because I do have another appointment. Sorry.\n\nThat will be 01:00 next Thursday, the eighteenth. Would you like a reminder text in twelve two hours before? Yes. Perfect. If anything does change and you can't make the appointment, just let me know, and I can always get that shuffled for you.\n\nYep. Perfect. Now the other document that you will get in the email afterwards as well is just an updated financial services guide. You would have seen this one before. It is one of those compliance documents, but it does give you all the important information regarding us here for you.\n\nNone of the important information has changed. It's all the same. But we've had a bit of an update through, to marketing, which is good. So you will have a look and see that we've had a bit of updated photos, a bit of an extension through the team. If you do have a look through it, again, you will see me on page nine if you do wanna put a face to the voice again.\n\nYep. Now the the one document there that it will ask you to sign if you are happy to do so is that ongoing service agreement. And that is just to say that you are happy to stay on as the client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super.\n\nNo changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, it'll allows us to manage your account, your investments, and everything for you in the meantime. Does that all make sense? Yeah.\n\nYeah. Yes. Mhmm. Yes. So the fee structure comes straight from Super.\n\nSo you don't obviously pay for anything out of pocket. It is calculated usually on an annual basis, but it is deducted from your account on a monthly basis. The reason we do it a monthly is because it's a bit more fair to you with market fluctuations. Because if we were to charge it's just a flat at 1.65%. And if we were to charge that at the time, let's say, a a once off during the year and the market's up a lot, then, obviously, we would take out more money from your account.\n\nBut, obviously, on the flip side, if the market's down, it would be less. So charging it monthly for you just kind of smooths that out, yeah, with the fluctuations in the market. What? 1.65, Your super balance. Correct.\n\nYep. Does that make sense? Yeah. Yeah. Do you have any questions in regards to the fee structure?\n\nNope. Nope. Yes. How it is. Yep.\n\nAnd the good thing as well with it being monthly, like I said, is that it's not a lock in contract. So like I said, if at any point in time you're not happy, it's not like a one off fee that gets deducted and that's it. It is just to to make things more even for you. Now in the research paper with your investments, I will outline it again for you because it does show, like, all the fees with your hub twenty four adviser fees insurances and then also the return on your investments. And then if I do make a recommendation on changing anything for you, what that would look like as well.\n\nSo you'll have that full document outlined as well next Thursday when we go through everything. Yep. Perfect. So, yeah, basically, from here, if you are happy to do so, it will just ask for that one signature. I think that is the only one, or there might be one after that one for you.\n\nYep. Perfect. When yes. Of course. You can.\n\nYes. You can always yep. So yes. Exactly. If you have any question at any point in time, don't hesitate to email me.\n\nIf you think of anything as well, though, you can always just ask me next Thursday when I go through the research on your investment as well. Yep. Beautiful. Well, do you have any other questions for me today so far otherwise? No.\n\nYep. Perfect. Well, thank you so much for your time today, and I look forward to speaking with you more next Thursday, the eighteenth at 01:00 and going through those investments a little bit more detail there for you. No problem. We'll speak next week.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.36,"end":2.0,"sentiment":"neutral","sentiment_score":0.25752393901348114},{"text":"This is Ranta speaking.","start":2.0,"end":3.22,"sentiment":"neutral","sentiment_score":0.1428528856486082},{"text":"No.","start":9.76,"end":10.0,"sentiment":"neutral","sentiment_score":-0.015793010592460632},{"text":"That's all good.","start":10.0,"end":10.96,"sentiment":"neutral","sentiment_score":0.32215337951978046},{"text":"Thanks for calling me back.","start":10.96,"end":12.42,"sentiment":"positive","sentiment_score":0.5762888193130493}],"sentiment":"neutral","sentiment_score":0.3279047096769015,"num_words":15,"start":1.36,"end":12.42},{"sentences":[{"text":"Do do you still have some time to go through your interview now?","start":14.265,"end":17.405,"sentiment":"neutral","sentiment_score":0.08942934641471276},{"text":"Yes.","start":18.345001,"end":18.845001,"sentiment":"neutral","sentiment_score":0.1093381568789482},{"text":"Alright.","start":19.385,"end":19.865,"sentiment":"neutral","sentiment_score":0.32892906665802},{"text":"Beautiful.","start":19.865,"end":20.365,"sentiment":"positive","sentiment_score":0.5264370441436768},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":21.305,"end":29.28,"sentiment":"neutral","sentiment_score":0.053189297537169146}],"sentiment":"neutral","sentiment_score":0.08034370201540754,"num_words":47,"start":14.265,"end":29.28},{"sentences":[{"text":"Yep.","start":30.800001,"end":31.28,"sentiment":"neutral","sentiment_score":0.26129114627838135},{"text":"Perfect.","start":31.28,"end":31.78,"sentiment":"positive","sentiment_score":0.4604845941066742},{"text":"And before I do kind of jump into things as well, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see where everything's at?","start":32.88,"end":46.355,"sentiment":"neutral","sentiment_score":0.07965056012783732},{"text":"Yes.","start":52.335,"end":52.835,"sentiment":"neutral","sentiment_score":0.037092193961143494},{"text":"Yeah.","start":53.93,"end":54.25,"sentiment":"neutral","sentiment_score":0.1985705643892288}],"sentiment":"neutral","sentiment_score":0.09029783109823862,"num_words":60,"start":30.800001,"end":54.25},{"sentences":[{"text":"Beautiful.","start":54.25,"end":54.75,"sentiment":"positive","sentiment_score":0.48902428150177},{"text":"Thank you so much.","start":54.89,"end":56.11,"sentiment":"positive","sentiment_score":0.5162868574261665},{"text":"Now are you kind of on the go at the moment, or do you have access to your emails?","start":57.45,"end":61.79,"sentiment":"neutral","sentiment_score":0.02312297746539116},{"text":"Either way, it's fine.","start":65.53,"end":66.67,"sentiment":"neutral","sentiment_score":0.028825029265135527},{"text":"Yeah?","start":68.835,"end":69.335,"sentiment":"neutral","sentiment_score":0.019780214875936508}],"sentiment":"neutral","sentiment_score":0.10788236603397748,"num_words":29,"start":54.25,"end":69.335},{"sentences":[{"text":"Okay.","start":69.395004,"end":69.895004,"sentiment":"neutral","sentiment_score":0.024282485246658325},{"text":"Before I do get you to jump into the email, I'll just go through just a bit of an updated fact find with you first just to see if there is anything major that has changed in your life or if we need to make any changes to your advice.","start":70.915,"end":84.25,"sentiment":"neutral","sentiment_score":0.0024593859165906906},{"text":"So just kinda bear with me as I go through this.","start":85.35,"end":87.93,"sentiment":"neutral","sentiment_score":-0.006829625164920633},{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependent.","start":88.23,"end":94.39,"sentiment":"neutral","sentiment_score":-0.01622454675012513},{"text":"Is that still the case?","start":94.39,"end":95.770004,"sentiment":"neutral","sentiment_score":-0.025839753448963165}],"sentiment":"neutral","sentiment_score":-0.0042481308283154355,"num_words":86,"start":69.395004,"end":95.770004},{"sentences":[{"text":"Yeah.","start":98.845,"end":99.085,"sentiment":"neutral","sentiment_score":-0.023887567222118378},{"text":"And how old?","start":99.085,"end":100.065,"sentiment":"neutral","sentiment_score":-0.02483554556965828},{"text":"Yeah.","start":103.405,"end":103.905,"sentiment":"neutral","sentiment_score":-0.006769894622266293},{"text":"A boy or a girl?","start":105.485,"end":106.625,"sentiment":"neutral","sentiment_score":-0.001394820585846901},{"text":"Oh, that's exciting.","start":108.38,"end":109.36,"sentiment":"neutral","sentiment_score":0.3168782591819763}],"sentiment":"neutral","sentiment_score":0.06449973662025653,"num_words":13,"start":98.845,"end":109.36},{"sentences":[{"text":"Now next up, Kim, I have Alexandra nominated.","start":112.3,"end":116.88,"sentiment":"neutral","sentiment_score":0.18164313398301601},{"text":"That's still the case as well?","start":117.02,"end":118.54,"sentiment":"neutral","sentiment_score":0.06745672163863976},{"text":"Yep.","start":118.54,"end":119.02,"sentiment":"neutral","sentiment_score":0.03444001078605652},{"text":"You just Now occupation wise, has any of that changed in the last twelve months?","start":119.02,"end":125.615,"sentiment":"neutral","sentiment_score":-0.014405325148254633},{"text":"Not perfect.","start":127.115,"end":127.935,"sentiment":"negative","sentiment_score":-0.45060351490974426}],"sentiment":"neutral","sentiment_score":0.02421995329495985,"num_words":32,"start":112.3,"end":127.935},{"sentences":[{"text":"So still working as a sleep operator?","start":128.155,"end":130.015,"sentiment":"neutral","sentiment_score":-0.08203358868403095},{"text":"Yep.","start":131.515,"end":131.85,"sentiment":"neutral","sentiment_score":0.03735930472612381},{"text":"Now I have income at about 83,000.","start":132.73001,"end":135.21,"sentiment":"neutral","sentiment_score":0.03125201245503766},{"text":"That's still the case as well, or has that changed?","start":135.21,"end":137.79001,"sentiment":"neutral","sentiment_score":0.0256032420322299},{"text":"Still the same?","start":140.25,"end":141.05,"sentiment":"neutral","sentiment_score":0.06443028524518013}],"sentiment":"neutral","sentiment_score":0.0046861266850360805,"num_words":28,"start":128.155,"end":141.05},{"sentences":[{"text":"Perfect.","start":141.05,"end":141.55,"sentiment":"neutral","sentiment_score":0.30609554052352905},{"text":"And contribution wise, any changes there, or they still pay you that standard 12% contribution?","start":143.21,"end":149.545,"sentiment":"neutral","sentiment_score":0.07153086960315705},{"text":"Yep.","start":152.085,"end":152.485,"sentiment":"neutral","sentiment_score":0.09864048659801485},{"text":"Perfect.","start":152.485,"end":152.80501,"sentiment":"neutral","sentiment_score":0.2717350423336029},{"text":"And you're not making any additional contribution into super.","start":152.80501,"end":155.765,"sentiment":"neutral","sentiment_score":-0.025538056674930785}],"sentiment":"neutral","sentiment_score":0.056281170497337975,"num_words":27,"start":141.05,"end":155.765},{"sentences":[{"text":"Is that from your employer?","start":155.765,"end":156.965,"sentiment":"neutral","sentiment_score":-0.019098902121186256},{"text":"Correct?","start":156.965,"end":157.465,"sentiment":"neutral","sentiment_score":-0.024524731561541557},{"text":"No.","start":158.70001,"end":159.20001,"sentiment":"neutral","sentiment_score":-0.11795318126678468},{"text":"Perfect.","start":159.26001,"end":159.76001,"sentiment":"neutral","sentiment_score":-0.019182108342647552},{"text":"Now asset wise, I know that last time we spoke, you obviously left your property in Brisbane and was having that as an investment property.","start":161.5,"end":173.625,"sentiment":"neutral","sentiment_score":-0.08440113082528114}],"sentiment":"neutral","sentiment_score":-0.07173281219421011,"num_words":33,"start":155.765,"end":173.625},{"sentences":[{"text":"And we're looking at buying a property in Tasmania.","start":175.285,"end":177.545,"sentiment":"neutral","sentiment_score":-0.017095884411699243},{"text":"Did you guys end up buying something in Tasmania, or is that still kind of the plan?","start":177.845,"end":182.66501,"sentiment":"neutral","sentiment_score":-0.053300240460564106},{"text":"Oh, nice.","start":187.56,"end":188.3,"sentiment":"neutral","sentiment_score":0.0374370226636529},{"text":"And are you guys having that as another investment property, or are you moving there?","start":189.96,"end":194.46,"sentiment":"neutral","sentiment_score":-0.05537471522887548},{"text":"Okay.","start":197.095,"end":197.595,"sentiment":"neutral","sentiment_score":-0.0708024725317955}],"sentiment":"neutral","sentiment_score":-0.04287536825392057,"num_words":44,"start":175.285,"end":197.595},{"sentences":[{"text":"Okay.","start":199.175,"end":199.655,"sentiment":"neutral","sentiment_score":0.034395381808280945},{"text":"Perfect.","start":199.655,"end":200.155,"sentiment":"neutral","sentiment_score":0.16414639353752136},{"text":"And okay.","start":201.255,"end":204.395,"sentiment":"neutral","sentiment_score":0.06805125623941422},{"text":"Oh, okay.","start":214.87,"end":215.53,"sentiment":"neutral","sentiment_score":0.09245021641254425},{"text":"Perfect.","start":215.59,"end":216.09,"sentiment":"neutral","sentiment_score":0.17734749615192413}],"sentiment":"neutral","sentiment_score":0.09955603097166334,"num_words":7,"start":199.175,"end":216.09},{"sentences":[{"text":"And do you know how much it would be valued at right now at all, roughly?","start":216.87,"end":224.50499,"sentiment":"neutral","sentiment_score":0.04170218016952276},{"text":"About $6.50.","start":228.405,"end":230.025,"sentiment":"neutral","sentiment_score":0.0035881148651242256},{"text":"And is there a mortgage attached to that one?","start":230.165,"end":232.58499,"sentiment":"neutral","sentiment_score":-0.004941312803162469},{"text":"Yep.","start":233.84499,"end":234.165,"sentiment":"neutral","sentiment_score":0.018458902835845947},{"text":"Do you know how much we'd be owing?","start":234.165,"end":236.42499,"sentiment":"neutral","sentiment_score":-0.002095241565257311}],"sentiment":"neutral","sentiment_score":0.017545451875776052,"num_words":36,"start":216.87,"end":236.42499},{"sentences":[{"text":"About see, yes.","start":240.14,"end":241.5,"sentiment":"neutral","sentiment_score":0.013712742986778418},{"text":"No.","start":241.5,"end":242.0,"sentiment":"neutral","sentiment_score":-0.04656819999217987},{"text":"All good.","start":242.06,"end":242.72,"sentiment":"neutral","sentiment_score":0.027966376394033432},{"text":"And your yeah.","start":243.18,"end":246.94,"sentiment":"neutral","sentiment_score":0.0017739081134398767},{"text":"No.","start":246.94,"end":247.18,"sentiment":"neutral","sentiment_score":-0.03312527760863304}],"sentiment":"neutral","sentiment_score":0.002269922848790884,"num_words":10,"start":240.14,"end":247.18},{"sentences":[{"text":"That's all good.","start":247.18,"end":248.06,"sentiment":"neutral","sentiment_score":0.09301188091437022},{"text":"And your other Brisbane investment property, I have it down at about $9.50.","start":248.06,"end":252.16,"sentiment":"neutral","sentiment_score":0.03610047296835826},{"text":"Yes.","start":258.245,"end":258.565,"sentiment":"neutral","sentiment_score":0.06796054542064667},{"text":"Yep.","start":258.565,"end":258.965,"sentiment":"neutral","sentiment_score":0.05551919341087341},{"text":"And mortgage about $3.90.","start":258.965,"end":261.625,"sentiment":"neutral","sentiment_score":0.039669884368777275}],"sentiment":"neutral","sentiment_score":0.04684095761992715,"num_words":22,"start":247.18,"end":261.625},{"sentences":[{"text":"Yep.","start":263.285,"end":263.785,"sentiment":"neutral","sentiment_score":0.07454297691583633},{"text":"I also have a motor vehicle right at about 25,000 with Yep.","start":264.325,"end":271.12003,"sentiment":"neutral","sentiment_score":0.06270247387389342},{"text":"And savings about 1,500.","start":271.18002,"end":273.6,"sentiment":"neutral","sentiment_score":0.043579927645623684},{"text":"Oh, nice.","start":285.115,"end":285.855,"sentiment":"positive","sentiment_score":0.4414612501859665},{"text":"35.","start":286.715,"end":287.775,"sentiment":"neutral","sentiment_score":0.07916874438524246}],"sentiment":"neutral","sentiment_score":0.09816918093711138,"num_words":20,"start":263.285,"end":287.775},{"sentences":[{"text":"Any other new assets in the last twelve months?","start":288.475,"end":290.955,"sentiment":"neutral","sentiment_score":0.05824778270390299},{"text":"Any other motorbikes or boats or anything like that?","start":290.955,"end":294.415,"sentiment":"neutral","sentiment_score":0.02879872338639365},{"text":"Caravan.","start":295.88,"end":296.38,"sentiment":"neutral","sentiment_score":0.023228200152516365},{"text":"Mhmm.","start":301.72,"end":301.97,"sentiment":"neutral","sentiment_score":0.01907777413725853},{"text":"Yep.","start":301.97,"end":302.47,"sentiment":"neutral","sentiment_score":0.027794640511274334}],"sentiment":"neutral","sentiment_score":0.04064376998160567,"num_words":21,"start":288.475,"end":302.47},{"sentences":[{"text":"Yep.","start":307.97498,"end":308.375,"sentiment":"neutral","sentiment_score":0.05375639721751213},{"text":"And how much would that one be worth?","start":308.375,"end":310.155,"sentiment":"neutral","sentiment_score":0.026747351861558855},{"text":"It's like that with golf.","start":315.655,"end":316.955,"sentiment":"neutral","sentiment_score":-0.04249463453888893},{"text":"Alright.","start":323.27002,"end":323.67,"sentiment":"neutral","sentiment_score":0.08902449905872345},{"text":"Perfect.","start":323.67,"end":324.17,"sentiment":"neutral","sentiment_score":0.27537107467651367}],"sentiment":"neutral","sentiment_score":0.026228600821923465,"num_words":16,"start":307.97498,"end":324.17},{"sentences":[{"text":"Okay.","start":325.59,"end":326.09,"sentiment":"neutral","sentiment_score":0.1582491099834442},{"text":"Perfect.","start":326.31,"end":326.81,"sentiment":"neutral","sentiment_score":0.2352012395858765},{"text":"Anything else?","start":326.87,"end":327.93,"sentiment":"neutral","sentiment_score":0.11374423280358315},{"text":"No.","start":330.965,"end":331.205,"sentiment":"neutral","sentiment_score":0.00916685163974762},{"text":"That's all good.","start":331.205,"end":332.425,"sentiment":"neutral","sentiment_score":0.2943830092748006}],"sentiment":"neutral","sentiment_score":0.18915683683007956,"num_words":8,"start":325.59,"end":332.425},{"sentences":[{"text":"Health and lifestyle wise, I have you down here as a nonspoker.","start":333.125,"end":336.185,"sentiment":"neutral","sentiment_score":0.1993051916360855},{"text":"Is that still the case as well?","start":336.485,"end":338.10498,"sentiment":"neutral","sentiment_score":0.08655564274106707},{"text":"Yep.","start":339.205,"end":339.525,"sentiment":"neutral","sentiment_score":0.15208593010902405},{"text":"Perfect.","start":339.525,"end":340.00497,"sentiment":"neutral","sentiment_score":0.31778502464294434},{"text":"And have you had any changes to your health in the last twelve months otherwise?","start":340.00497,"end":343.54498,"sentiment":"neutral","sentiment_score":0.07949136942625046}],"sentiment":"neutral","sentiment_score":0.12943870263795057,"num_words":36,"start":333.125,"end":343.54498},{"sentences":[{"text":"No.","start":345.53,"end":346.01,"sentiment":"neutral","sentiment_score":0.007130112498998642},{"text":"Perfect.","start":346.01,"end":346.41,"sentiment":"neutral","sentiment_score":0.11243341863155364},{"text":"And do you have private health insurance?","start":346.41,"end":348.11002,"sentiment":"neutral","sentiment_score":0.03126410048987184},{"text":"Yep.","start":349.77002,"end":350.27002,"sentiment":"neutral","sentiment_score":0.03804073482751846},{"text":"And estate planning wise, do you guys have a will or power of attorney in place at all?","start":352.09,"end":358.335,"sentiment":"neutral","sentiment_score":0.027820990110437076}],"sentiment":"neutral","sentiment_score":0.03132967112053718,"num_words":28,"start":345.53,"end":358.335},{"sentences":[{"text":"No.","start":359.775,"end":360.275,"sentiment":"neutral","sentiment_score":-0.04603079706430435},{"text":"And when it comes through beneficiaries, so for your superannuation, I do have Alexandra nominated at a 100%.","start":361.29498,"end":368.835,"sentiment":"neutral","sentiment_score":0.04240700292090575},{"text":"But for your insurances, we don't have a nomination on file currently.","start":370.59,"end":375.73,"sentiment":"neutral","sentiment_score":-0.06569261802360415},{"text":"Would you like that to be the same, or do you want it to any differently?","start":377.15,"end":381.81,"sentiment":"neutral","sentiment_score":-0.059661044739186764},{"text":"Sorry.","start":385.72498,"end":386.04498,"sentiment":"neutral","sentiment_score":-0.07899916172027588}],"sentiment":"neutral","sentiment_score":-0.023012334131635725,"num_words":48,"start":359.775,"end":386.04498},{"sentences":[{"text":"For your superannuation, so that will be your hub 24.","start":386.04498,"end":389.245,"sentiment":"neutral","sentiment_score":-0.012421846948564052},{"text":"So if something were to happen to you, the way things are at the moment is that Alex would get you a super, but there is no nomination currently for your child insurances.","start":389.245,"end":398.46,"sentiment":"neutral","sentiment_score":-0.07355519073704879},{"text":"So, like, your life insurance and stuff.","start":398.92,"end":400.94,"sentiment":"neutral","sentiment_score":-0.04514355052794729},{"text":"Yep.","start":403.08002,"end":403.48,"sentiment":"neutral","sentiment_score":0.019457586109638218},{"text":"Okay.","start":403.48,"end":403.98,"sentiment":"neutral","sentiment_score":0.01075635477900505}],"sentiment":"neutral","sentiment_score":-0.054564051473369964,"num_words":52,"start":386.04498,"end":403.98},{"sentences":[{"text":"Now with the the forms, because they are because you are making a legal nomination, I can get it all prefilled for you, but you will have to get it witnessed and signed.","start":404.12,"end":418.905,"sentiment":"neutral","sentiment_score":0.055913007394834},{"text":"Do you have access to a printer, or do you prefer post?","start":419.605,"end":423.065,"sentiment":"neutral","sentiment_score":0.01567586325109005},{"text":"Printer?","start":425.32,"end":425.80002,"sentiment":"neutral","sentiment_score":0.02292870357632637},{"text":"Okay.","start":425.80002,"end":426.2,"sentiment":"neutral","sentiment_score":0.1048499196767807},{"text":"Perfect.","start":426.2,"end":426.68002,"sentiment":"positive","sentiment_score":0.4330517053604126}],"sentiment":"neutral","sentiment_score":0.054043123576169215,"num_words":48,"start":404.12,"end":426.68002},{"sentences":[{"text":"Well, I'll get the team to email you that.","start":426.68002,"end":429.1,"sentiment":"neutral","sentiment_score":0.31909190946155125},{"text":"We'll prefill it to Alexandra at a 100%.","start":429.88,"end":432.28,"sentiment":"neutral","sentiment_score":0.3239082619547844},{"text":"And do you want the same nomination as your super, the binding non lapsing option?","start":432.28,"end":436.62,"sentiment":"neutral","sentiment_score":0.10202683086196582},{"text":"Yep.","start":438.185,"end":438.585,"sentiment":"neutral","sentiment_score":0.21116235852241516},{"text":"Perfect.","start":438.585,"end":439.085,"sentiment":"positive","sentiment_score":0.5598596334457397}],"sentiment":"neutral","sentiment_score":0.22836816869676113,"num_words":34,"start":426.68002,"end":439.085},{"sentences":[{"text":"We'll get that all sorted.","start":439.305,"end":440.845,"sentiment":"positive","sentiment_score":0.5497124791145325},{"text":"Now, otherwise, when it comes to goals, the stuff that you are working towards that you are wanting to achieve, obviously, aside from finalizing, the build on the property in South Australia, is there something else that you guys are working towards that you are wanting to achieve at all?","start":442.105,"end":456.64,"sentiment":"neutral","sentiment_score":0.13278782173991202},{"text":"Nope.","start":458.46002,"end":458.96002,"sentiment":"neutral","sentiment_score":-0.3200843632221222},{"text":"Yep.","start":460.7,"end":461.2,"sentiment":"neutral","sentiment_score":0.020659402012825012},{"text":"Yep.","start":463.42,"end":463.90002,"sentiment":"neutral","sentiment_score":0.06140926480293274}],"sentiment":"neutral","sentiment_score":0.15775754803727413,"num_words":58,"start":439.305,"end":463.90002},{"sentences":[{"text":"See how we how we go from there.","start":463.90002,"end":465.5,"sentiment":"neutral","sentiment_score":0.031264813151210546},{"text":"No.","start":465.5,"end":465.74002,"sentiment":"neutral","sentiment_score":-0.08321087062358856},{"text":"That sounds sounds like a plan.","start":465.74002,"end":467.44,"sentiment":"neutral","sentiment_score":-0.10804476961493492},{"text":"Yep.","start":469.79498,"end":470.29498,"sentiment":"neutral","sentiment_score":-0.07224849611520767},{"text":"Yeah.","start":471.875,"end":472.275,"sentiment":"neutral","sentiment_score":-0.020748186856508255}],"sentiment":"neutral","sentiment_score":-0.0337857450632488,"num_words":17,"start":463.90002,"end":472.275},{"sentences":[{"text":"And then get a bit of a hang on things when that's all up and running.","start":472.275,"end":475.57498,"sentiment":"neutral","sentiment_score":-0.04679271625354886},{"text":"Sure.","start":477.475,"end":477.955,"sentiment":"neutral","sentiment_score":0.045737363398075104},{"text":"Yep.","start":477.955,"end":478.455,"sentiment":"neutral","sentiment_score":0.022087804973125454},{"text":"No.","start":485.49002,"end":485.65002,"sentiment":"neutral","sentiment_score":0.005088306963443756},{"text":"That's all good.","start":485.65002,"end":486.79,"sentiment":"neutral","sentiment_score":0.10010093947251637}],"sentiment":"neutral","sentiment_score":-0.01706668937748129,"num_words":22,"start":472.275,"end":486.79},{"sentences":[{"text":"Now next thing is just your risk profile.","start":486.93002,"end":489.97,"sentiment":"neutral","sentiment_score":-0.039312345907092094},{"text":"I know we've gone through this a couple of times, So I won't get you to go through all the questions again.","start":489.97,"end":496.295,"sentiment":"neutral","sentiment_score":-0.0535841973667795},{"text":"But has anything when it comes to your risk tolerance fluctuations to the market, your views on anything changed, or is it all roughly the same as last year when we went through everything?","start":496.755,"end":507.255,"sentiment":"neutral","sentiment_score":-0.06830028181566912},{"text":"Okay.","start":509.38,"end":509.78,"sentiment":"neutral","sentiment_score":0.17044416069984436},{"text":"Perfect.","start":509.78,"end":510.28,"sentiment":"neutral","sentiment_score":0.04958303272724152}],"sentiment":"neutral","sentiment_score":-0.05447778026714469,"num_words":66,"start":486.93002,"end":510.28},{"sentences":[{"text":"And just as a bit of a recap for you, we do currently have you invested in your growth portfolio.","start":510.5,"end":516.2,"sentiment":"neutral","sentiment_score":0.08024250846356154},{"text":"And, basically, that is for for investors investing while you still have plenty of time.","start":517.7,"end":525.365,"sentiment":"neutral","sentiment_score":0.10466784288485845},{"text":"Comfortable with a bit of short term fluctuations in order to get there.","start":526.705,"end":531.525,"sentiment":"neutral","sentiment_score":0.23558428539679602},{"text":"And when we are looking at an asset allocation point of view, we see about that eighty twenty split.","start":532.705,"end":538.65,"sentiment":"neutral","sentiment_score":0.06473311742669657},{"text":"So about the 80% to your growth investment, which is, like, your international shares, your Australian shares, property, and commodities, and that is what's going to grow that super for you And about 20% in those defensive, your cash, your gold, your fixed interest limit fluctuations a little bit.","start":538.65,"end":557.755,"sentiment":"neutral","sentiment_score":0.10026549281818527}],"sentiment":"neutral","sentiment_score":0.10672760260259283,"num_words":116,"start":510.5,"end":557.755},{"sentences":[{"text":"Does that all make sense?","start":557.755,"end":558.875,"sentiment":"neutral","sentiment_score":0.08320665210485459},{"text":"You still happy with that?","start":558.875,"end":560.175,"sentiment":"neutral","sentiment_score":0.28988857567310333},{"text":"Yep.","start":560.635,"end":561.135,"sentiment":"neutral","sentiment_score":0.2623428702354431},{"text":"Yep.","start":561.915,"end":562.235,"sentiment":"positive","sentiment_score":0.3976176679134369},{"text":"Beautiful.","start":562.235,"end":562.735,"sentiment":"positive","sentiment_score":0.6092516183853149}],"sentiment":"neutral","sentiment_score":0.24112986887876803,"num_words":13,"start":557.755,"end":562.735},{"sentences":[{"text":"And when we are looking at a time frame, so making sure you have enough time in the market, a typical growth portfolio, we do want to allow around six years until retirement.","start":562.795,"end":575.32,"sentiment":"neutral","sentiment_score":0.14338933021733255},{"text":"So making sure you have enough time in the market.","start":576.01996,"end":578.76,"sentiment":"neutral","sentiment_score":0.1615552857518196},{"text":"And if you are still kind of planning and accessing super at about 60, you do have that that time frame behind you still at the moment.","start":579.045,"end":587.545,"sentiment":"neutral","sentiment_score":0.10860310011991749},{"text":"Yeah.","start":591.14,"end":591.64,"sentiment":"neutral","sentiment_score":0.006319752894341946},{"text":"Yeah.","start":593.22003,"end":593.7,"sentiment":"neutral","sentiment_score":0.014213474467396736}],"sentiment":"neutral","sentiment_score":0.1291696900734678,"num_words":72,"start":562.795,"end":593.7},{"sentences":[{"text":"When oh, yeah.","start":593.7,"end":596.18,"sentiment":"neutral","sentiment_score":0.011990529174606005},{"text":"When when if you were to estimate, would you say, like, '65, '67?","start":596.18,"end":601.24,"sentiment":"neutral","sentiment_score":0.016219052987603042},{"text":"When do you think you were?","start":601.7,"end":604.955,"sentiment":"neutral","sentiment_score":0.05920495496441921},{"text":"60 five.","start":604.955,"end":605.855,"sentiment":"neutral","sentiment_score":0.08896217122673988},{"text":"Yep.","start":606.875,"end":607.355,"sentiment":"neutral","sentiment_score":0.04410865902900696}],"sentiment":"neutral","sentiment_score":0.03296328030526638,"num_words":25,"start":593.7,"end":607.355},{"sentences":[{"text":"No.","start":607.355,"end":607.59503,"sentiment":"neutral","sentiment_score":-0.04979677498340607},{"text":"I totally understand.","start":607.59503,"end":608.715,"sentiment":"neutral","sentiment_score":-0.055344329526027046},{"text":"Obviously, a bit of bit of extra expenses there.","start":608.715,"end":612.655,"sentiment":"neutral","sentiment_score":-0.12922098487615585},{"text":"Now email wise, if you can access that for me, that would be great.","start":615.275,"end":620.71,"sentiment":"neutral","sentiment_score":0.153588028890746},{"text":"And we have all the changes software, so it might look a little bit different to what you are used to.","start":621.89,"end":627.03,"sentiment":"neutral","sentiment_score":-0.008031635057358514}],"sentiment":"neutral","sentiment_score":0.012557280017063022,"num_words":48,"start":607.355,"end":627.03},{"sentences":[{"text":"It is still all digitally, though.","start":627.17004,"end":628.93005,"sentiment":"neutral","sentiment_score":-0.03554438489178816},{"text":"It is just a slightly different software.","start":628.93005,"end":630.95,"sentiment":"neutral","sentiment_score":-0.047979172851358144},{"text":"So let me know if that came through okay.","start":635.245,"end":637.105,"sentiment":"neutral","sentiment_score":-0.010330927558243275},{"text":"Yes, please.","start":642.765,"end":643.66003,"sentiment":"neutral","sentiment_score":0.008461502689897316},{"text":"So if you click on that one, it will allow you to open up and view all the documents first before it prompts you to sign anything.","start":643.66003,"end":650.64,"sentiment":"neutral","sentiment_score":0.12303264715053418}],"sentiment":"neutral","sentiment_score":0.052876580609995914,"num_words":51,"start":627.17004,"end":650.64},{"sentences":[{"text":"Let me know what you can see when you open it.","start":659.275,"end":662.655,"sentiment":"neutral","sentiment_score":0.09873160178011114},{"text":"Yep.","start":665.59503,"end":665.995,"sentiment":"neutral","sentiment_score":0.06566914916038513},{"text":"So is that your super insurance summary?","start":665.995,"end":668.97504,"sentiment":"neutral","sentiment_score":0.038046584863747866},{"text":"Or what can you see?","start":672.18,"end":673.48,"sentiment":"neutral","sentiment_score":-0.02154291681945324},{"text":"Okay.","start":680.42,"end":680.89996,"sentiment":"neutral","sentiment_score":0.2055684030056}],"sentiment":"neutral","sentiment_score":0.06063586726784706,"num_words":25,"start":659.275,"end":680.89996},{"sentences":[{"text":"Perfect.","start":680.89996,"end":681.39996,"sentiment":"positive","sentiment_score":0.4454127848148346},{"text":"No.","start":686.245,"end":686.645,"sentiment":"neutral","sentiment_score":-0.12438417226076126},{"text":"So the tile document, it just breaks down your insurances in a little bit more detail.","start":686.645,"end":692.745,"sentiment":"neutral","sentiment_score":-0.030102544114924967},{"text":"So it basic, yeah, so it basically lets you know it's all kind of paid and up to date.","start":693.285,"end":700.04,"sentiment":"neutral","sentiment_score":-0.0031574824824929237},{"text":"Now when it comes to the insurances, you can see here that you have your life, and that's about a million dollars if something were to happen to you, and then also that total permanent disability insurance, of about 250,000.","start":702.02,"end":718.555,"sentiment":"neutral","sentiment_score":0.007712170865852385}],"sentiment":"neutral","sentiment_score":0.0011413321322338147,"num_words":77,"start":680.89996,"end":718.555},{"sentences":[{"text":"Now with your life and PPD, has any of that changed in terms of how much cover you feel like is sufficient to meet your goals, or do you think that's still kind of pretty good for what you are after?","start":719.33496,"end":734.08,"sentiment":"neutral","sentiment_score":0.07492844805848307},{"text":"Yeah.","start":737.675,"end":737.995,"sentiment":"neutral","sentiment_score":0.29127615690231323},{"text":"I mean, it would still pay out, obviously, for your life.","start":737.995,"end":740.715,"sentiment":"neutral","sentiment_score":0.28038998625495215},{"text":"It would still pay out the mortgage if something ever were to happen on both properties as well, which which is good.","start":740.715,"end":749.72003,"sentiment":"positive","sentiment_score":0.34534046934409574},{"text":"And, obviously, a little bit of extra as well.","start":749.72003,"end":751.88,"sentiment":"neutral","sentiment_score":0.30166783266597325}],"sentiment":"neutral","sentiment_score":0.1995253951865293,"num_words":84,"start":719.33496,"end":751.88},{"sentences":[{"text":"And for the TPD, it will help, obviously, cover a bit of it if need be.","start":751.88,"end":757.10004,"sentiment":"neutral","sentiment_score":0.3014957867562771},{"text":"Obviously, being an investment property, if something were to happen, you'd still probably get income from those unless, obviously, anything changed and you decided to move into them.","start":757.16003,"end":766.815,"sentiment":"neutral","sentiment_score":0.20979677885770798},{"text":"So it still kind of gives you a good good amount there for you.","start":767.59503,"end":771.455,"sentiment":"positive","sentiment_score":0.48055967901434216},{"text":"Now with your income protection as well, you do have an income protection which will pay you a monthly amount of $4,841 per month.","start":772.315,"end":782.38,"sentiment":"neutral","sentiment_score":0.2031754897131274},{"text":"You do have a ninety day waiting period and a two year benefit period.","start":782.92004,"end":786.94,"sentiment":"positive","sentiment_score":0.39279271023614065}],"sentiment":"neutral","sentiment_score":0.28959778748685494,"num_words":96,"start":751.88,"end":786.94},{"sentences":[{"text":"Everything is paid and structured from within superannuation.","start":787.745,"end":790.805,"sentiment":"positive","sentiment_score":0.3899047374725342},{"text":"So you don't have to pay for anything out of pocket for those.","start":791.505,"end":795.365,"sentiment":"neutral","sentiment_score":0.2675903198810724},{"text":"Any questions when it comes to your insurances at all there?","start":795.985,"end":799.44,"sentiment":"neutral","sentiment_score":0.12016959081996571},{"text":"No.","start":801.28,"end":801.76,"sentiment":"neutral","sentiment_score":0.16565199196338654},{"text":"All good.","start":801.76,"end":802.5,"sentiment":"positive","sentiment_score":0.3638433665037155}],"sentiment":"neutral","sentiment_score":0.2518033223492759,"num_words":35,"start":787.745,"end":802.5},{"sentences":[{"text":"Perfect.","start":802.64,"end":803.14,"sentiment":"positive","sentiment_score":0.4721704423427582},{"text":"Now when it come No.","start":803.68,"end":813.875,"sentiment":"neutral","sentiment_score":0.03964861258864403},{"text":"No.","start":813.935,"end":814.435,"sentiment":"neutral","sentiment_score":-0.04344416409730911},{"text":"Yep.","start":815.53503,"end":815.935,"sentiment":"neutral","sentiment_score":0.03932323679327965},{"text":"Nothing yet.","start":815.935,"end":816.835,"sentiment":"neutral","sentiment_score":-0.004040691070258617}],"sentiment":"neutral","sentiment_score":0.06582111958414316,"num_words":10,"start":802.64,"end":816.835},{"sentences":[{"text":"Okay.","start":826.02997,"end":826.35,"sentiment":"neutral","sentiment_score":0.018458060920238495},{"text":"You didn't get any other documents?","start":826.35,"end":828.26996,"sentiment":"neutral","sentiment_score":-0.025038818673541147},{"text":"Is that your next one?","start":828.26996,"end":829.49,"sentiment":"neutral","sentiment_score":-0.012825700640678405},{"text":"Okay.","start":833.14996,"end":833.55,"sentiment":"neutral","sentiment_score":0.002558870241045952},{"text":"Let me have a look because sometimes no.","start":833.55,"end":836.765,"sentiment":"neutral","sentiment_score":-0.03543674247339368}],"sentiment":"neutral","sentiment_score":-0.02270659161288114,"num_words":21,"start":826.02997,"end":836.765},{"sentences":[{"text":"That's all good.","start":836.765,"end":837.40497,"sentiment":"neutral","sentiment_score":0.19864380856355032},{"text":"Everything will be saved for you afterwards if you wanted to go back.","start":837.40497,"end":841.325,"sentiment":"neutral","sentiment_score":0.22708036349369928},{"text":"If not, I can always get them emailed to you if you wanted to go and have a have a look.","start":841.325,"end":847.185,"sentiment":"neutral","sentiment_score":0.04452783995795818},{"text":"Let me have a look here.","start":852.51,"end":854.29004,"sentiment":"neutral","sentiment_score":-0.042574512772262096},{"text":"No.","start":863.96497,"end":864.44495,"sentiment":"neutral","sentiment_score":-0.09772740304470062}],"sentiment":"neutral","sentiment_score":0.09386105251244524,"num_words":44,"start":836.765,"end":864.44495},{"sentences":[{"text":"The the one the next one is the one to sign, but it might they may have skipped a couple of documents.","start":864.44495,"end":870.70496,"sentiment":"neutral","sentiment_score":-0.10061965561048551},{"text":"But the one to sign is the one that you're on at the moment.","start":870.845,"end":874.14496,"sentiment":"neutral","sentiment_score":-0.03221443362001862},{"text":"And what I can do is if it's a bit of a glitch in the system, I can always get their team.","start":874.49,"end":878.73,"sentiment":"neutral","sentiment_score":-0.09284666993401268},{"text":"So when they send you the beneficiary form for your insurances for Alex, I can just get them to attach the documents that way again to make it easier if you did want us to just have a quick review of them.","start":878.73,"end":889.545,"sentiment":"neutral","sentiment_score":0.13533185440159978},{"text":"Because, yeah, sometimes the software has a has a bit of a glitch, so I will just get them to include that.","start":889.545,"end":894.925,"sentiment":"neutral","sentiment_score":-0.03523390333760868}],"sentiment":"neutral","sentiment_score":0.0016518916293490127,"num_words":122,"start":864.44495,"end":894.925},{"sentences":[{"text":"But, basically, when you do have them, sorry, the one in between was also just showing you your superannuation balance.","start":895.225,"end":902.83,"sentiment":"neutral","sentiment_score":-0.01769446798134595},{"text":"Now at the moment, obviously, you have your super in Hub 24, and your super balance as of today is $348,954.","start":903.77,"end":915.79004,"sentiment":"neutral","sentiment_score":0.01139969542799961},{"text":"Now you will 348 thousand 900 and 50 4.","start":917.485,"end":923.965,"sentiment":"neutral","sentiment_score":-0.0021358220061908164},{"text":"Yep.","start":923.965,"end":924.465,"sentiment":"neutral","sentiment_score":0.011748767457902431},{"text":"Now when it comes to your portfolio as well, so with your investments, so the last twelve months have seen a bit of fluctuations in the market, which I'm sure you've heard on the news and everything in the last twelve months have been a little bit turbulent.","start":925.645,"end":940.75,"sentiment":"neutral","sentiment_score":-0.09384293248876929}],"sentiment":"neutral","sentiment_score":-0.04673161763330978,"num_words":99,"start":895.225,"end":940.75},{"sentences":[{"text":"Obviously, everything in the in The US with Trump and tariffs and everything, so this fluctuation, and, hopefully, more recently with the war as well, have seen a little bit of fluctuation.","start":941.29,"end":950.85504,"sentiment":"neutral","sentiment_score":-0.14229338127188385},{"text":"So the last twelve months, like I said, have been a little bit up and down, and there's been a little bit mixed result in the the market with the investments.","start":950.995,"end":960.31,"sentiment":"neutral","sentiment_score":-0.2866268725164475},{"text":"So the good thing is that your investments are still very diversified and tailored for that long term growth, and most of your investments have done pretty good.","start":961.08997,"end":969.225,"sentiment":"positive","sentiment_score":0.600058318248817},{"text":"There is one investment that I would like to do a little bit more research on for you and look at changing, which is your Benelung Australian equity investment.","start":969.70496,"end":980.44495,"sentiment":"neutral","sentiment_score":0.0682880144309381},{"text":"The reason I do wanna kind of deep dive and look at changing that one a little bit is that it is slightly underperforming at the moment.","start":982.04,"end":989.18,"sentiment":"neutral","sentiment_score":-0.12030044267023052}],"sentiment":"neutral","sentiment_score":0.014252055296991147,"num_words":147,"start":941.29,"end":989.18},{"sentences":[{"text":"Now not always when things are down do we wanna look at changing because you also don't wanna sell when the prices are down.","start":990.2,"end":997.175,"sentiment":"neutral","sentiment_score":-0.21526254837711653},{"text":"But at the same time, we wanna be proactive.","start":997.795,"end":1000.035,"sentiment":"neutral","sentiment_score":0.04780913641055425},{"text":"And if we because we do research on the investments all the time.","start":1000.035,"end":1002.755,"sentiment":"neutral","sentiment_score":0.12871385193788087},{"text":"And if we foresee that one is underperforming a little bit and a little bit slower and we don't think it's going to come back around as much or be the best option for you moving forward, then we want to make sure we are proactive with those decisions for you.","start":1002.755,"end":1019.28,"sentiment":"neutral","sentiment_score":-0.04316162902350519},{"text":"So if you are yeah.","start":1019.9,"end":1021.955,"sentiment":"neutral","sentiment_score":0.06766094118356705}],"sentiment":"neutral","sentiment_score":-0.04829095325925771,"num_words":102,"start":990.2,"end":1021.955},{"sentences":[{"text":"So if you're happy for me to do so, what I would like to do after today is just to kind of go and deep down into your investments a little bit more there for you to see if we need to make any any changes.","start":1021.955,"end":1032.375,"sentiment":"positive","sentiment_score":0.45202363897924835},{"text":"It will take me about a week or so to put all of that together.","start":1033.795,"end":1039.1499,"sentiment":"neutral","sentiment_score":0.138894984126091},{"text":"Hey.","start":1041.7699,"end":1042.0099,"sentiment":"neutral","sentiment_score":-0.006152287125587463},{"text":"It's not just me.","start":1042.0099,"end":1042.97,"sentiment":"neutral","sentiment_score":-0.07654386572539806},{"text":"It's my my ring surgeon team as well.","start":1042.97,"end":1045.5499,"sentiment":"neutral","sentiment_score":0.046360516687855124}],"sentiment":"neutral","sentiment_score":0.3099333586271953,"num_words":74,"start":1021.955,"end":1045.5499},{"sentences":[{"text":"Yeah.","start":1050.485,"end":1050.565,"sentiment":"neutral","sentiment_score":0.08939032256603241},{"text":"Now let me have a look here.","start":1050.565,"end":1053.065,"sentiment":"neutral","sentiment_score":0.060873506856816154},{"text":"Next week is filling up pretty quickly, but do you have any availability on Wednesday or Thursday next week?","start":1054.005,"end":1060.74,"sentiment":"neutral","sentiment_score":0.041808285995533594},{"text":"Six times.","start":1063.78,"end":1064.52,"sentiment":"neutral","sentiment_score":0.14195913076400757},{"text":"Alright.","start":1064.9,"end":1065.22,"sentiment":"neutral","sentiment_score":0.09292031824588776}],"sentiment":"neutral","sentiment_score":0.05622336280842622,"num_words":30,"start":1050.485,"end":1065.22},{"sentences":[{"text":"Let me have a look.","start":1065.22,"end":1066.02,"sentiment":"neutral","sentiment_score":0.07570812255144119},{"text":"Yeah.","start":1066.02,"end":1066.52,"sentiment":"neutral","sentiment_score":0.05525544285774231},{"text":"Through yep.","start":1066.66,"end":1067.86,"sentiment":"neutral","sentiment_score":0.06836440041661263},{"text":"That will work.","start":1067.86,"end":1068.84,"sentiment":"neutral","sentiment_score":0.13979713122049967},{"text":"Actually, could you do one hour earlier or no?","start":1070.42,"end":1073.72,"sentiment":"neutral","sentiment_score":0.012296216044988897}],"sentiment":"neutral","sentiment_score":0.05502910972572863,"num_words":20,"start":1065.22,"end":1073.72},{"sentences":[{"text":"Yeah.","start":1075.765,"end":1076.0851,"sentiment":"neutral","sentiment_score":0.046055398881435394},{"text":"Okay.","start":1076.0851,"end":1076.5851,"sentiment":"neutral","sentiment_score":0.03583314269781113},{"text":"Just sorry.","start":1077.365,"end":1077.8451,"sentiment":"neutral","sentiment_score":-0.03358925320208073},{"text":"Because I do have another appointment.","start":1077.8451,"end":1079.385,"sentiment":"neutral","sentiment_score":-0.04831896908581257},{"text":"Sorry.","start":1079.4451,"end":1079.765,"sentiment":"neutral","sentiment_score":-0.03923360258340835}],"sentiment":"neutral","sentiment_score":-0.02858521653847261,"num_words":11,"start":1075.765,"end":1079.765},{"sentences":[{"text":"That will be 01:00 next Thursday, the eighteenth.","start":1079.765,"end":1083.785,"sentiment":"neutral","sentiment_score":0.00597781001124531},{"text":"Would you like a reminder text in twelve two hours before?","start":1085.4451,"end":1089.6,"sentiment":"neutral","sentiment_score":0.017776965925639324},{"text":"Yes.","start":1089.66,"end":1090.14,"sentiment":"neutral","sentiment_score":0.15572576224803925},{"text":"Perfect.","start":1090.14,"end":1090.64,"sentiment":"positive","sentiment_score":0.43343406915664673},{"text":"If anything does change and you can't make the appointment, just let me know, and I can always get that shuffled for you.","start":1091.1799,"end":1099.84,"sentiment":"neutral","sentiment_score":0.163697745974945}],"sentiment":"neutral","sentiment_score":0.10449038850228218,"num_words":44,"start":1079.765,"end":1099.84},{"sentences":[{"text":"Yep.","start":1101.4551,"end":1101.9551,"sentiment":"neutral","sentiment_score":0.3023549020290375},{"text":"Perfect.","start":1102.0951,"end":1102.5951,"sentiment":"positive","sentiment_score":0.5064677000045776},{"text":"Now the other document that you will get in the email afterwards as well is just an updated financial services guide.","start":1103.2151,"end":1110.435,"sentiment":"neutral","sentiment_score":0.3025932517789659},{"text":"You would have seen this one before.","start":1110.4951,"end":1111.935,"sentiment":"neutral","sentiment_score":0.224290241088186},{"text":"It is one of those compliance documents, but it does give you all the important information regarding us here for you.","start":1111.935,"end":1117.83,"sentiment":"neutral","sentiment_score":0.2813541818232763}],"sentiment":"neutral","sentiment_score":0.2870931450058432,"num_words":51,"start":1101.4551,"end":1117.83},{"sentences":[{"text":"None of the important information has changed.","start":1118.0499,"end":1120.7699,"sentiment":"neutral","sentiment_score":0.05995710087674005},{"text":"It's all the same.","start":1120.7699,"end":1121.9099,"sentiment":"neutral","sentiment_score":0.17151802778244019},{"text":"But we've had a bit of an update through, to marketing, which is good.","start":1122.21,"end":1126.45,"sentiment":"positive","sentiment_score":0.3952344666634287},{"text":"So you will have a look and see that we've had a bit of updated photos, a bit of an extension through the team.","start":1126.45,"end":1133.005,"sentiment":"neutral","sentiment_score":0.20581429443943003},{"text":"If you do have a look through it, again, you will see me on page nine if you do wanna put a face to the voice again.","start":1133.225,"end":1139.085,"sentiment":"neutral","sentiment_score":0.16225483792799492}],"sentiment":"neutral","sentiment_score":0.2099931321204885,"num_words":76,"start":1118.0499,"end":1139.085},{"sentences":[{"text":"Yep.","start":1141.0,"end":1141.5,"sentiment":"positive","sentiment_score":0.5248661041259766},{"text":"Now the the one document there that it will ask you to sign if you are happy to do so is that ongoing service agreement.","start":1141.64,"end":1148.9401,"sentiment":"positive","sentiment_score":0.48855634689331057},{"text":"And that is just to say that you are happy to stay on as the client.","start":1149.8,"end":1153.66,"sentiment":"positive","sentiment_score":0.69316815584898},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1154.275,"end":1158.775,"sentiment":"neutral","sentiment_score":0.08041343527535598},{"text":"So that stays exactly the same at 1.65 from super.","start":1158.995,"end":1163.335,"sentiment":"positive","sentiment_score":0.3374833449721336}],"sentiment":"positive","sentiment_score":0.44014468661043793,"num_words":64,"start":1141.0,"end":1163.335},{"sentences":[{"text":"No changes in regards to that, and it is not a lock in contract.","start":1163.875,"end":1167.975,"sentiment":"neutral","sentiment_score":0.09385700337588787},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1168.1599,"end":1172.34,"sentiment":"neutral","sentiment_score":0.033578878889481224},{"text":"But by signing this, it'll allows us to manage your account, your investments, and everything for you in the meantime.","start":1172.72,"end":1178.1,"sentiment":"positive","sentiment_score":0.45136207789182664},{"text":"Does that all make sense?","start":1179.12,"end":1180.4199,"sentiment":"neutral","sentiment_score":0.23224194645881652},{"text":"Yeah.","start":1182.3151,"end":1182.8151,"sentiment":"neutral","sentiment_score":0.007424812763929367}],"sentiment":"neutral","sentiment_score":0.2088671374166834,"num_words":58,"start":1163.875,"end":1182.8151},{"sentences":[{"text":"Yeah.","start":1184.395,"end":1184.895,"sentiment":"neutral","sentiment_score":0.00447968952357769},{"text":"Yes.","start":1186.075,"end":1186.575,"sentiment":"neutral","sentiment_score":0.029130585491657257},{"text":"Mhmm.","start":1192.635,"end":1193.135,"sentiment":"neutral","sentiment_score":0.0452410951256752},{"text":"Yes.","start":1195.1901,"end":1195.6901,"sentiment":"neutral","sentiment_score":0.09876208752393724},{"text":"So the fee structure comes straight from Super.","start":1195.75,"end":1197.9901,"sentiment":"neutral","sentiment_score":0.1449492247775197}],"sentiment":"neutral","sentiment_score":0.11143393799041708,"num_words":12,"start":1184.395,"end":1197.9901},{"sentences":[{"text":"So you don't obviously pay for anything out of pocket.","start":1197.9901,"end":1200.25,"sentiment":"neutral","sentiment_score":0.0724998664110899},{"text":"It is calculated usually on an annual basis, but it is deducted from your account on a monthly basis.","start":1201.03,"end":1208.65,"sentiment":"neutral","sentiment_score":0.09743078092211171},{"text":"The reason we do it a monthly is because it's a bit more fair to you with market fluctuations.","start":1209.255,"end":1215.355,"sentiment":"neutral","sentiment_score":0.03159053760923838},{"text":"Because if we were to charge it's just a flat at 1.65%.","start":1216.055,"end":1221.1951,"sentiment":"neutral","sentiment_score":0.015155368794997534},{"text":"And if we were to charge that at the time, let's say, a a once off during the year and the market's up a lot, then, obviously, we would take out more money from your account.","start":1222.16,"end":1231.22,"sentiment":"neutral","sentiment_score":-0.05913980486285356}],"sentiment":"neutral","sentiment_score":0.01280453298628951,"num_words":96,"start":1197.9901,"end":1231.22},{"sentences":[{"text":"But, obviously, on the flip side, if the market's down, it would be less.","start":1231.52,"end":1235.085,"sentiment":"neutral","sentiment_score":-0.07722826754408223},{"text":"So charging it monthly for you just kind of smooths that out, yeah, with the fluctuations in the market.","start":1235.1649,"end":1242.865,"sentiment":"neutral","sentiment_score":0.06317051745166904},{"text":"What?","start":1244.365,"end":1244.865,"sentiment":"neutral","sentiment_score":0.0013933791778981686},{"text":"1.65, Your super balance.","start":1245.085,"end":1251.44,"sentiment":"neutral","sentiment_score":0.0404605659423396},{"text":"Correct.","start":1254.0599,"end":1254.5599,"sentiment":"neutral","sentiment_score":0.1037985309958458}],"sentiment":"neutral","sentiment_score":0.009899442561734945,"num_words":39,"start":1231.52,"end":1254.5599},{"sentences":[{"text":"Yep.","start":1255.34,"end":1255.84,"sentiment":"neutral","sentiment_score":0.09468041360378264},{"text":"Does that make sense?","start":1257.1,"end":1258.32,"sentiment":"neutral","sentiment_score":0.09975754097104073},{"text":"Yeah.","start":1260.155,"end":1260.655,"sentiment":"neutral","sentiment_score":0.06599028408527374},{"text":"Yeah.","start":1260.955,"end":1261.275,"sentiment":"neutral","sentiment_score":0.040079712867736816},{"text":"Do you have any questions in regards to the fee structure?","start":1261.275,"end":1263.535,"sentiment":"neutral","sentiment_score":0.008145498789169571}],"sentiment":"neutral","sentiment_score":0.03829894784010119,"num_words":18,"start":1255.34,"end":1263.535},{"sentences":[{"text":"Nope.","start":1265.675,"end":1266.075,"sentiment":"neutral","sentiment_score":-0.159475177526474},{"text":"Nope.","start":1266.075,"end":1266.575,"sentiment":"neutral","sentiment_score":-0.13310624659061432},{"text":"Yes.","start":1267.515,"end":1268.015,"sentiment":"neutral","sentiment_score":-0.01249910332262516},{"text":"How it is.","start":1271.77,"end":1272.67,"sentiment":"neutral","sentiment_score":-0.0085305937876304},{"text":"Yep.","start":1273.61,"end":1274.11,"sentiment":"neutral","sentiment_score":0.23609063029289248}],"sentiment":"neutral","sentiment_score":-0.013511668358530312,"num_words":7,"start":1265.675,"end":1274.11},{"sentences":[{"text":"And the good thing as well with it being monthly, like I said, is that it's not a lock in contract.","start":1274.57,"end":1279.07,"sentiment":"positive","sentiment_score":0.4324063676453772},{"text":"So like I said, if at any point in time you're not happy, it's not like a one off fee that gets deducted and that's it.","start":1279.45,"end":1286.4249,"sentiment":"neutral","sentiment_score":0.2891337900207593},{"text":"It is just to to make things more even for you.","start":1286.565,"end":1288.885,"sentiment":"positive","sentiment_score":0.5512584935535084},{"text":"Now in the research paper with your investments, I will outline it again for you because it does show, like, all the fees with your hub twenty four adviser fees insurances and then also the return on your investments.","start":1288.885,"end":1301.42,"sentiment":"neutral","sentiment_score":0.30664184269232625},{"text":"And then if I do make a recommendation on changing anything for you, what that would look like as well.","start":1301.64,"end":1307.3201,"sentiment":"neutral","sentiment_score":0.2431238204240799}],"sentiment":"positive","sentiment_score":0.33746464926208186,"num_words":117,"start":1274.57,"end":1307.3201},{"sentences":[{"text":"So you'll have that full document outlined as well next Thursday when we go through everything.","start":1307.3201,"end":1313.02,"sentiment":"neutral","sentiment_score":0.20616264455020428},{"text":"Yep.","start":1314.895,"end":1315.295,"sentiment":"positive","sentiment_score":0.33946651220321655},{"text":"Perfect.","start":1315.295,"end":1315.795,"sentiment":"positive","sentiment_score":0.5291420221328735},{"text":"So, yeah, basically, from here, if you are happy to do so, it will just ask for that one signature.","start":1316.0951,"end":1321.395,"sentiment":"neutral","sentiment_score":0.25602386221289636},{"text":"I think that is the only one, or there might be one after that one for you.","start":1321.4551,"end":1326.995,"sentiment":"neutral","sentiment_score":0.18607965287040262}],"sentiment":"neutral","sentiment_score":0.2263825852762569,"num_words":55,"start":1307.3201,"end":1326.995},{"sentences":[{"text":"Yep.","start":1329.46,"end":1329.96,"sentiment":"neutral","sentiment_score":0.14860200881958008},{"text":"Perfect.","start":1330.02,"end":1330.52,"sentiment":"neutral","sentiment_score":0.300714910030365},{"text":"When yes.","start":1331.06,"end":1333.7001,"sentiment":"neutral","sentiment_score":0.08203586935997009},{"text":"Of course.","start":1333.7001,"end":1334.18,"sentiment":"neutral","sentiment_score":0.12295887619256973},{"text":"You can.","start":1334.18,"end":1334.66,"sentiment":"neutral","sentiment_score":0.11610602214932442}],"sentiment":"neutral","sentiment_score":0.1364398067817092,"num_words":8,"start":1329.46,"end":1334.66},{"sentences":[{"text":"Yes.","start":1334.66,"end":1334.8201,"sentiment":"neutral","sentiment_score":0.10766057670116425},{"text":"You can always yep.","start":1334.8201,"end":1337.08,"sentiment":"neutral","sentiment_score":0.12310885451734066},{"text":"So yes.","start":1338.42,"end":1341.875,"sentiment":"neutral","sentiment_score":0.20450230687856674},{"text":"Exactly.","start":1341.875,"end":1342.275,"sentiment":"neutral","sentiment_score":0.27676594257354736},{"text":"If you have any question at any point in time, don't hesitate to email me.","start":1342.275,"end":1346.055,"sentiment":"neutral","sentiment_score":0.1691885600487391}],"sentiment":"neutral","sentiment_score":0.1662476066014041,"num_words":23,"start":1334.66,"end":1346.055},{"sentences":[{"text":"If you think of anything as well, though, you can always just ask me next Thursday when I go through the research on your investment as well.","start":1346.1951,"end":1354.775,"sentiment":"neutral","sentiment_score":0.1799892810759721},{"text":"Yep.","start":1355.28,"end":1355.78,"sentiment":"neutral","sentiment_score":0.24681738018989563},{"text":"Beautiful.","start":1356.3201,"end":1356.8201,"sentiment":"neutral","sentiment_score":0.11100254207849504},{"text":"Well, do you have any other questions for me today so far otherwise?","start":1356.9601,"end":1360.42,"sentiment":"neutral","sentiment_score":0.04040576804142732},{"text":"No.","start":1362.3201,"end":1362.8201,"sentiment":"neutral","sentiment_score":-0.2124494910240173}],"sentiment":"neutral","sentiment_score":0.1286129303449808,"num_words":43,"start":1346.1951,"end":1362.8201},{"sentences":[{"text":"Yep.","start":1363.68,"end":1364.16,"sentiment":"neutral","sentiment_score":0.205744206905365},{"text":"Perfect.","start":1364.16,"end":1364.66,"sentiment":"positive","sentiment_score":0.6644401550292969},{"text":"Well, thank you so much for your time today, and I look forward to speaking with you more next Thursday, the eighteenth at 01:00 and going through those investments a little bit more detail there for you.","start":1364.88,"end":1375.4751,"sentiment":"positive","sentiment_score":0.684911781871641},{"text":"No problem.","start":1378.255,"end":1378.895,"sentiment":"positive","sentiment_score":0.5293265581130981},{"text":"We'll speak next week.","start":1378.895,"end":1380.115,"sentiment":"positive","sentiment_score":0.4974078983068466}],"sentiment":"positive","sentiment_score":0.6502267777919769,"num_words":45,"start":1363.68,"end":1380.115},{"sentences":[{"text":"Okay.","start":1381.775,"end":1382.255,"sentiment":"neutral","sentiment_score":0.11766353249549866},{"text":"Bye.","start":1382.255,"end":1382.755,"sentiment":"neutral","sentiment_score":-0.11259759962558746}],"sentiment":"neutral","sentiment_score":0.002532966434955597,"num_words":2,"start":1381.775,"end":1382.755}]}}]},{"alternatives":[{"transcript":"Hi, Veronica. It's Trent Daniel calling. We have a 02:00, and I missed two by seconds. Stop. Oh, yeah. Absolutely. Yep. Yep. Yep. Yep. That's fine. No. I'm gonna let you take the reins, and then that'll prompt me to think of anything. I think I thought I guess it's the best way to go. I do have access to my email via phone. Yep. Yep. No. I have a financial dependent. 18. A girl. Yep. Yep. No. Yep. Yep. Still the same. Yep. Still the same. No. Yep. No. I built a house. No. We built a place in South Australia. No. No. Not gonna move there. No. No. Investing property. It's it's still under build. Hope but hopefully, we finish very soon. We've got inspection final first completion inspection is tomorrow. I'm hoping it'll be around the $6.50. What? Yes. $6.50. It's only it is just only fine. Yeah. Yeah. I think it was 9. $9.50 is close enough. Yes. Yes. Oh, no. That sounds a bit short. Saving is about 35. Well, there is a there is a car that's in oh, sorry. Something's in both of our names as well. A Mazda a Mazda c x 30. Probably not as much as Zowing. There's about I think there's I think there's 20 yeah. There's a little probably bright it'll probably break even. So it's probably about 27,000 owing, and it's probably worth about 27. No. That should be about it. Yes. No. Yes. No. Yes. What other insurances are you referring to? Oh. Oh, yeah. All that to Alex. Yeah. Yep. No. I print it. It's okay. Yes. Please. No. Not at the moment. We just want to get that one. Make an income and seeing if we can afford it. With the interest rates the way they are, they're sort of sort of maxed out to where we worst case scenarios are here. Hang hang on two secs if that's okay, Brian. Do wanna try and put that on or you reckon we'd we'd missed the tide? Oh, we've missed it. Yeah. Yeah. Yeah. Sorry, Brian. Good. Thanks. Yeah. It'd be over fine. Yep. Yep. That sounds fine. Yeah. It's probably gonna be a bit lighter now, having a 18 old. But yeah. It's probably gonna keep me in the workforce a bit longer. Yeah. Look. I'll be happy with 65 as my tag my new my new target. Yeah. Okay. But that can't through locate. Signature request. Yes. It's a tell document. No. That's the oh. Sorry. Let's get back to the top. Certificate certificate of currency. Oh, next option. So was there any design with that one? No. Yep. I can see that. Hang on. It's not. Yep. Yeah. That's still that's still okay. Yep. No. All good. All good. I've just got the sorry. Was there anything to sign on what you were talking about there? Okay. Right. Yep. Yep. The only one I've got the next one I've got in front of me is the consent on new ongoing fee arrangement with hub twenty four. Yeah. There might be other ones on there. I don't really know how to go back. It I was going through them and it was saying next next, but now it says click to start. I'm not sure what that Okay. Mhmm. Yeah. That'd be good. Yep. Sorry. What was that figure again? Oh, yep. Yep. Yep. Yep. Yep. Yep. Yes. Absolutely. That makes sense. Yep. Come on, Veronica. You're better than that. That's fine. I don't blame it on others. No. That's fine. I understand. That's fine. Yeah. Same time next Thursday is probably pretty good. Yeah. Yeah. No. That's okay. Yes, please. Wouldn't be a problem. Cool. Yeah. Actually, can you go just backtrack on that on that fee structure? Can you explain that a little bit more? How how how do you how do I pay you guys and how do where does that come from and how does all that work again? Right. Yep. Yep. I still understand that. Yep. And that's one point six percent. Gary? 1.65% of what? My super balance. Okay. Rhino. Yes. Yes. Yes. It does. No. No. No. No. No. No. I just wanted to confirm all that, and that's that's that's I wasn't sure exactly sure how it how it was calculated, but that that answers that. Yeah. Okay. Cool. Okay. No worries. You got any quick I I can email you, can't I? Yeah. Okay. Yeah. No worries. If I go in queries there, I'll just email you, but it should be pretty straightforward. Yep. No. I reckon that's that's pretty good. Thanks very much for calling Veronica. Okay. 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It's Trent Daniel calling. We have a 02:00, and I missed two by seconds. Stop. Oh, yeah.\n\nAbsolutely. Yep. Yep. Yep. Yep.\n\nThat's fine. No. I'm gonna let you take the reins, and then that'll prompt me to think of anything. I think I thought I guess it's the best way to go. I do have access to my email via phone.\n\nYep. Yep. No. I have a financial dependent. 18.\n\nA girl. Yep. Yep. No. Yep.\n\nYep. Still the same. Yep. Still the same. No.\n\nYep. No. I built a house. No. We built a place in South Australia.\n\nNo. No. Not gonna move there. No. No.\n\nInvesting property. It's it's still under build. Hope but hopefully, we finish very soon. We've got inspection final first completion inspection is tomorrow. I'm hoping it'll be around the $6.50.\n\nWhat? Yes. $6.50. It's only it is just only fine. Yeah.\n\nYeah. I think it was 9. $9.50 is close enough. Yes. Yes.\n\nOh, no. That sounds a bit short. Saving is about 35. Well, there is a there is a car that's in oh, sorry. Something's in both of our names as well.\n\nA Mazda a Mazda c x 30. Probably not as much as Zowing. There's about I think there's I think there's 20 yeah. There's a little probably bright it'll probably break even. So it's probably about 27,000 owing, and it's probably worth about 27.\n\nNo. That should be about it. Yes. No. Yes.\n\nNo. Yes. What other insurances are you referring to? Oh. Oh, yeah.\n\nAll that to Alex. Yeah. Yep. No. I print it.\n\nIt's okay. Yes. Please. No. Not at the moment.\n\nWe just want to get that one. Make an income and seeing if we can afford it. With the interest rates the way they are, they're sort of sort of maxed out to where we worst case scenarios are here. Hang hang on two secs if that's okay, Brian. Do wanna try and put that on or you reckon we'd we'd missed the tide?\n\nOh, we've missed it. Yeah. Yeah. Yeah. Sorry, Brian.\n\nGood. Thanks. Yeah. It'd be over fine. Yep.\n\nYep. That sounds fine. Yeah. It's probably gonna be a bit lighter now, having a 18 old. But yeah.\n\nIt's probably gonna keep me in the workforce a bit longer. Yeah. Look. I'll be happy with 65 as my tag my new my new target. Yeah.\n\nOkay. But that can't through locate. Signature request. Yes. It's a tell document.\n\nNo. That's the oh. Sorry. Let's get back to the top. Certificate certificate of currency.\n\nOh, next option. So was there any design with that one? No. Yep. I can see that.\n\nHang on. It's not. Yep. Yeah. That's still that's still okay.\n\nYep. No. All good. All good. I've just got the sorry.\n\nWas there anything to sign on what you were talking about there? Okay. Right. Yep. Yep.\n\nThe only one I've got the next one I've got in front of me is the consent on new ongoing fee arrangement with hub twenty four. Yeah. There might be other ones on there. I don't really know how to go back. It I was going through them and it was saying next next, but now it says click to start.\n\nI'm not sure what that Okay. Mhmm. Yeah. That'd be good. Yep.\n\nSorry. What was that figure again? Oh, yep. Yep. Yep.\n\nYep. Yep. Yep. Yes. Absolutely.\n\nThat makes sense. Yep. Come on, Veronica. You're better than that. That's fine.\n\nI don't blame it on others. No. That's fine. I understand. That's fine.\n\nYeah. Same time next Thursday is probably pretty good. Yeah. Yeah. No.\n\nThat's okay. Yes, please. Wouldn't be a problem. Cool. Yeah.\n\nActually, can you go just backtrack on that on that fee structure? Can you explain that a little bit more? How how how do you how do I pay you guys and how do where does that come from and how does all that work again? Right. Yep.\n\nYep. I still understand that. Yep. And that's one point six percent. Gary?\n\n1.65% of what? My super balance. Okay. Rhino. Yes.\n\nYes. Yes. It does. No. No.\n\nNo. No. No. No. I just wanted to confirm all that, and that's that's that's I wasn't sure exactly sure how it how it was calculated, but that that answers that.\n\nYeah. Okay. Cool. Okay. No worries.\n\nYou got any quick I I can email you, can't I? Yeah. Okay. Yeah. No worries.\n\nIf I go in queries there, I'll just email you, but it should be pretty straightforward. Yep. No. I reckon that's that's pretty good. Thanks very much for calling Veronica.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Veronica.","start":4.3199997,"end":5.22,"sentiment":"neutral","sentiment_score":0.0704837292432785},{"text":"It's Trent Daniel calling.","start":5.2799997,"end":6.48,"sentiment":"neutral","sentiment_score":0.05339383240789175},{"text":"We have a 02:00, and I missed two by seconds.","start":6.48,"end":9.139999,"sentiment":"neutral","sentiment_score":0.018526998348534107},{"text":"Stop.","start":16.385,"end":16.705,"sentiment":"neutral","sentiment_score":0.11800460517406464},{"text":"Oh, 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yeah.","start":592.025,"end":592.685,"sentiment":"neutral","sentiment_score":0.006406689528375864}],"sentiment":"neutral","sentiment_score":0.06445951764716913,"num_words":19,"start":560.28503,"end":592.685},{"sentences":[{"text":"It's probably gonna keep me in the workforce a bit longer.","start":592.825,"end":595.085,"sentiment":"neutral","sentiment_score":-0.005380458706481891},{"text":"Yeah.","start":601.68005,"end":601.92004,"sentiment":"neutral","sentiment_score":0.022936109453439713},{"text":"Look.","start":601.92004,"end":602.24005,"sentiment":"neutral","sentiment_score":0.025672774761915207},{"text":"I'll be happy with 65 as my tag my new my new 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document.","start":662.98004,"end":664.04004,"sentiment":"neutral","sentiment_score":0.0841089729219675}],"sentiment":"neutral","sentiment_score":0.02138632321013854,"num_words":13,"start":631.23,"end":664.04004},{"sentences":[{"text":"No.","start":672.845,"end":673.165,"sentiment":"neutral","sentiment_score":-0.0976445972919464},{"text":"That's the oh.","start":673.165,"end":675.805,"sentiment":"neutral","sentiment_score":-0.0433503066500028},{"text":"Sorry.","start":675.805,"end":676.125,"sentiment":"neutral","sentiment_score":-0.07510071992874146},{"text":"Let's get back to the top.","start":676.125,"end":677.245,"sentiment":"neutral","sentiment_score":-0.0021587908267974854},{"text":"Certificate certificate of currency.","start":677.245,"end":679.345,"sentiment":"neutral","sentiment_score":0.03005244629457593}],"sentiment":"neutral","sentiment_score":-0.013035946463545164,"num_words":15,"start":672.845,"end":679.345},{"sentences":[{"text":"Oh, next option.","start":681.08496,"end":682.14496,"sentiment":"neutral","sentiment_score":0.1367263744274775},{"text":"So was there any design with that one?","start":683.32495,"end":685.345,"sentiment":"neutral","sentiment_score":0.03522576577961445},{"text":"No.","start":685.40497,"end":685.86,"sentiment":"neutral","sentiment_score":-0.12927336990833282},{"text":"Yep.","start":692.5,"end":692.98,"sentiment":"neutral","sentiment_score":0.060970988124608994},{"text":"I can see that.","start":692.98,"end":694.12,"sentiment":"neutral","sentiment_score":0.03728931350633502}],"sentiment":"neutral","sentiment_score":0.045461183632997906,"num_words":17,"start":681.08496,"end":694.12},{"sentences":[{"text":"Hang on.","start":695.06,"end":695.54,"sentiment":"neutral","sentiment_score":-0.004484973847866058},{"text":"It's not.","start":695.54,"end":696.27997,"sentiment":"neutral","sentiment_score":-0.07573223672807217},{"text":"Yep.","start":719.63,"end":720.13,"sentiment":"neutral","sentiment_score":0.08486434072256088},{"text":"Yeah.","start":735.45496,"end":735.69495,"sentiment":"neutral","sentiment_score":0.1384265422821045},{"text":"That's still that's still okay.","start":735.69495,"end":737.055,"sentiment":"neutral","sentiment_score":0.21246741712093353}],"sentiment":"neutral","sentiment_score":0.10229032249613242,"num_words":11,"start":695.06,"end":737.055},{"sentences":[{"text":"Yep.","start":737.055,"end":737.555,"sentiment":"neutral","sentiment_score":0.24506042897701263},{"text":"No.","start":799.93,"end":800.17,"sentiment":"neutral","sentiment_score":0.029374271631240845},{"text":"All good.","start":800.17,"end":800.65,"sentiment":"neutral","sentiment_score":0.3117157071828842},{"text":"All good.","start":800.65,"end":801.39,"sentiment":"positive","sentiment_score":0.3454691618680954},{"text":"I've just got the sorry.","start":803.69,"end":806.19,"sentiment":"neutral","sentiment_score":0.05795912444591522}],"sentiment":"neutral","sentiment_score":0.17078182372179898,"num_words":11,"start":737.055,"end":806.19},{"sentences":[{"text":"Was there anything to sign on what you were talking about there?","start":809.77,"end":812.99,"sentiment":"neutral","sentiment_score":-0.011783143039792776},{"text":"Okay.","start":814.38495,"end":814.70496,"sentiment":"neutral","sentiment_score":0.0024154195562005043},{"text":"Right.","start":814.70496,"end":814.94495,"sentiment":"neutral","sentiment_score":0.011457898654043674},{"text":"Yep.","start":814.94495,"end":815.185,"sentiment":"neutral","sentiment_score":0.03907405957579613},{"text":"Yep.","start":815.185,"end":815.685,"sentiment":"neutral","sentiment_score":0.04548787325620651}],"sentiment":"neutral","sentiment_score":-0.002685154089704156,"num_words":16,"start":809.77,"end":815.685},{"sentences":[{"text":"The only one I've got the next one I've got in front of me is the consent on new ongoing fee arrangement with hub twenty four.","start":816.865,"end":824.96497,"sentiment":"neutral","sentiment_score":0.047626096611985795},{"text":"Yeah.","start":830.52997,"end":831.02997,"sentiment":"neutral","sentiment_score":-0.01641502045094967},{"text":"There might be other ones on there.","start":831.08997,"end":832.79,"sentiment":"neutral","sentiment_score":-0.021812221301453456},{"text":"I don't really know how to go back.","start":834.13,"end":835.75,"sentiment":"neutral","sentiment_score":-0.05691094510257244},{"text":"It I was going through them and it was saying next next, but now it says click to start.","start":845.02496,"end":850.065,"sentiment":"neutral","sentiment_score":-0.07096277765537563}],"sentiment":"neutral","sentiment_score":-0.01203938350692147,"num_words":61,"start":816.865,"end":850.065},{"sentences":[{"text":"I'm not sure what that Okay.","start":850.065,"end":875.935,"sentiment":"neutral","sentiment_score":-0.07862442824989557},{"text":"Mhmm.","start":889.93,"end":890.01,"sentiment":"neutral","sentiment_score":0.0033867135643959045},{"text":"Yeah.","start":890.01,"end":890.25,"sentiment":"neutral","sentiment_score":0.01147412694990635},{"text":"That'd be good.","start":890.25,"end":891.15,"sentiment":"neutral","sentiment_score":0.009832503894964853},{"text":"Yep.","start":891.85004,"end":892.35004,"sentiment":"neutral","sentiment_score":-0.07121153175830841}],"sentiment":"neutral","sentiment_score":-0.04154997908820709,"num_words":12,"start":850.065,"end":892.35004},{"sentences":[{"text":"Sorry.","start":917.31,"end":917.63,"sentiment":"neutral","sentiment_score":-0.011258469894528387},{"text":"What was that figure again?","start":917.63,"end":918.76996,"sentiment":"neutral","sentiment_score":-0.012718471884727477},{"text":"Oh, yep.","start":920.905,"end":921.485,"sentiment":"neutral","sentiment_score":0.001033747917972505},{"text":"Yep.","start":921.78503,"end":921.865,"sentiment":"neutral","sentiment_score":0.006473084911704063},{"text":"Yep.","start":921.865,"end":922.365,"sentiment":"neutral","sentiment_score":0.006496054120361805}],"sentiment":"neutral","sentiment_score":-0.00598141944501549,"num_words":10,"start":917.31,"end":922.365},{"sentences":[{"text":"Yep.","start":922.825,"end":922.905,"sentiment":"neutral","sentiment_score":0.0057885916903615},{"text":"Yep.","start":922.905,"end":923.405,"sentiment":"neutral","sentiment_score":0.007219159509986639},{"text":"Yep.","start":923.545,"end":924.045,"sentiment":"neutral","sentiment_score":0.004831945523619652},{"text":"Yes.","start":941.55005,"end":942.05005,"sentiment":"neutral","sentiment_score":-0.06832534074783325},{"text":"Absolutely.","start":1019.72,"end":1020.2,"sentiment":"neutral","sentiment_score":0.13184049725532532}],"sentiment":"neutral","sentiment_score":0.01627097064629197,"num_words":5,"start":922.825,"end":1020.2},{"sentences":[{"text":"That makes sense.","start":1020.2,"end":1021.18,"sentiment":"neutral","sentiment_score":0.07404954731464386},{"text":"Yep.","start":1033.425,"end":1033.925,"sentiment":"neutral","sentiment_score":0.13144397735595703},{"text":"Come on, Veronica.","start":1038.385,"end":1039.425,"sentiment":"neutral","sentiment_score":0.141011044383049},{"text":"You're better than that.","start":1039.425,"end":1040.645,"sentiment":"positive","sentiment_score":0.45003901422023773},{"text":"That's fine.","start":1042.225,"end":1043.2051,"sentiment":"neutral","sentiment_score":-0.04920525290071964}],"sentiment":"neutral","sentiment_score":0.19064394642527288,"num_words":13,"start":1020.2,"end":1043.2051},{"sentences":[{"text":"I don't blame it on others.","start":1044.9,"end":1047.22,"sentiment":"neutral","sentiment_score":-0.12014327757060528},{"text":"No.","start":1047.22,"end":1047.4601,"sentiment":"neutral","sentiment_score":-0.06062799319624901},{"text":"That's fine.","start":1047.4601,"end":1047.8601,"sentiment":"neutral","sentiment_score":0.07387737184762955},{"text":"I understand.","start":1047.8601,"end":1048.52,"sentiment":"neutral","sentiment_score":0.09322560951113701},{"text":"That's fine.","start":1048.5801,"end":1049.3201,"sentiment":"neutral","sentiment_score":0.20415402948856354}],"sentiment":"neutral","sentiment_score":-0.0029979720711708047,"num_words":13,"start":1044.9,"end":1049.3201},{"sentences":[{"text":"Yeah.","start":1061.455,"end":1061.9349,"sentiment":"neutral","sentiment_score":0.04821263626217842},{"text":"Same time next Thursday is probably pretty good.","start":1061.9349,"end":1064.355,"sentiment":"neutral","sentiment_score":0.08318577846512198},{"text":"Yeah.","start":1074.095,"end":1074.255,"sentiment":"neutral","sentiment_score":0.022708825767040253},{"text":"Yeah.","start":1074.255,"end":1074.495,"sentiment":"neutral","sentiment_score":0.01622583158314228},{"text":"No.","start":1074.495,"end":1074.6549,"sentiment":"neutral","sentiment_score":-0.017557259649038315}],"sentiment":"neutral","sentiment_score":0.06125635514035821,"num_words":12,"start":1061.455,"end":1074.6549},{"sentences":[{"text":"That's okay.","start":1074.6549,"end":1075.395,"sentiment":"neutral","sentiment_score":0.03861529380083084},{"text":"Yes, please.","start":1088.19,"end":1089.01,"sentiment":"neutral","sentiment_score":0.025782741606235504},{"text":"Wouldn't be a problem.","start":1100.335,"end":1101.395,"sentiment":"neutral","sentiment_score":0.2176162600517273},{"text":"Cool.","start":1139.8799,"end":1140.3799,"sentiment":"positive","sentiment_score":0.6501854658126831},{"text":"Yeah.","start":1180.975,"end":1181.2151,"sentiment":"neutral","sentiment_score":0.0460859090089798}],"sentiment":"neutral","sentiment_score":0.16955324858427048,"num_words":10,"start":1074.6549,"end":1181.2151},{"sentences":[{"text":"Actually, can you go just backtrack on that on that fee structure?","start":1181.2151,"end":1185.155,"sentiment":"neutral","sentiment_score":0.012730971638423702},{"text":"Can you explain that a little bit more?","start":1187.19,"end":1188.95,"sentiment":"neutral","sentiment_score":0.023839506320655346},{"text":"How how how do you how do I pay you guys and how do where does that come from and how does all that work again?","start":1188.95,"end":1194.57,"sentiment":"neutral","sentiment_score":0.040627672480275996},{"text":"Right.","start":1201.11,"end":1201.425,"sentiment":"neutral","sentiment_score":0.12090912461280824},{"text":"Yep.","start":1209.905,"end":1210.405,"sentiment":"neutral","sentiment_score":0.05594288557767868}],"sentiment":"neutral","sentiment_score":0.03284706676883312,"num_words":48,"start":1181.2151,"end":1210.405},{"sentences":[{"text":"Yep.","start":1237.945,"end":1238.345,"sentiment":"neutral","sentiment_score":0.09453364461660384},{"text":"I still understand that.","start":1238.345,"end":1239.385,"sentiment":"neutral","sentiment_score":0.0813678577542305},{"text":"Yep.","start":1239.385,"end":1239.885,"sentiment":"neutral","sentiment_score":0.05915238708257675},{"text":"And that's one point six percent.","start":1241.065,"end":1243.245,"sentiment":"neutral","sentiment_score":0.025936339671413105},{"text":"Gary?","start":1243.32,"end":1243.82,"sentiment":"neutral","sentiment_score":0.007282543927431107}],"sentiment":"neutral","sentiment_score":0.049389080359385565,"num_words":13,"start":1237.945,"end":1243.82},{"sentences":[{"text":"1.65% of what?","start":1247.1599,"end":1249.4199,"sentiment":"neutral","sentiment_score":0.008723304296533266},{"text":"My super balance.","start":1251.88,"end":1253.1,"sentiment":"neutral","sentiment_score":0.04961637159188589},{"text":"Okay.","start":1253.24,"end":1253.74,"sentiment":"neutral","sentiment_score":0.031504884362220764},{"text":"Rhino.","start":1253.96,"end":1254.46,"sentiment":"neutral","sentiment_score":0.04614897072315216},{"text":"Yes.","start":1258.9349,"end":1259.335,"sentiment":"neutral","sentiment_score":0.08378373086452484}],"sentiment":"neutral","sentiment_score":0.03738406817946169,"num_words":9,"start":1247.1599,"end":1259.335},{"sentences":[{"text":"Yes.","start":1259.335,"end":1259.575,"sentiment":"neutral","sentiment_score":0.08524821698665619},{"text":"Yes.","start":1259.575,"end":1259.815,"sentiment":"neutral","sentiment_score":0.10502758622169496},{"text":"It does.","start":1259.815,"end":1260.475,"sentiment":"neutral","sentiment_score":0.15017462521791458},{"text":"No.","start":1264.375,"end":1264.615,"sentiment":"neutral","sentiment_score":-0.1118870973587036},{"text":"No.","start":1264.615,"end":1264.695,"sentiment":"neutral","sentiment_score":-0.10029728710651398}],"sentiment":"neutral","sentiment_score":0.04640677819649378,"num_words":6,"start":1259.335,"end":1264.695},{"sentences":[{"text":"No.","start":1264.695,"end":1264.855,"sentiment":"neutral","sentiment_score":-0.11311094462871552},{"text":"No.","start":1264.855,"end":1265.015,"sentiment":"neutral","sentiment_score":-0.15552154183387756},{"text":"No.","start":1265.015,"end":1265.095,"sentiment":"neutral","sentiment_score":-0.15758532285690308},{"text":"No.","start":1265.095,"end":1265.255,"sentiment":"neutral","sentiment_score":-0.15675930678844452},{"text":"I just wanted to confirm all that, and that's that's that's I wasn't sure exactly sure how it how it was calculated, but that that answers that.","start":1265.255,"end":1273.1599,"sentiment":"neutral","sentiment_score":-0.052151616731727565}],"sentiment":"neutral","sentiment_score":-0.06422808928595435,"num_words":31,"start":1264.695,"end":1273.1599},{"sentences":[{"text":"Yeah.","start":1273.1599,"end":1273.6599,"sentiment":"neutral","sentiment_score":0.1240980699658394},{"text":"Okay.","start":1313.765,"end":1314.005,"sentiment":"neutral","sentiment_score":0.27246803045272827},{"text":"Cool.","start":1314.005,"end":1314.505,"sentiment":"positive","sentiment_score":0.37770992517471313},{"text":"Okay.","start":1327.73,"end":1328.13,"sentiment":"neutral","sentiment_score":0.10031476616859436},{"text":"No worries.","start":1328.13,"end":1328.87,"sentiment":"neutral","sentiment_score":0.12504123523831367}],"sentiment":"neutral","sentiment_score":0.18744554370641708,"num_words":6,"start":1273.1599,"end":1328.87},{"sentences":[{"text":"You got any quick I I can email you, can't I?","start":1330.29,"end":1332.9501,"sentiment":"neutral","sentiment_score":0.08916604789820584},{"text":"Yeah.","start":1334.53,"end":1334.77,"sentiment":"neutral","sentiment_score":0.10075968503952026},{"text":"Okay.","start":1334.77,"end":1335.0901,"sentiment":"neutral","sentiment_score":0.1200733333826065},{"text":"Yeah.","start":1335.0901,"end":1335.25,"sentiment":"neutral","sentiment_score":0.13141974806785583},{"text":"No worries.","start":1335.25,"end":1335.73,"sentiment":"neutral","sentiment_score":0.1490267515182495}],"sentiment":"neutral","sentiment_score":0.10194579977542162,"num_words":16,"start":1330.29,"end":1335.73},{"sentences":[{"text":"If I go in queries there, I'll just email you, but it should be pretty straightforward.","start":1335.73,"end":1340.575,"sentiment":"neutral","sentiment_score":0.2263093777000904},{"text":"Yep.","start":1360.8999,"end":1361.22,"sentiment":"neutral","sentiment_score":0.01836909726262093},{"text":"No.","start":1361.22,"end":1361.46,"sentiment":"neutral","sentiment_score":-0.16333210468292236},{"text":"I reckon that's that's pretty good.","start":1361.46,"end":1363.24,"sentiment":"neutral","sentiment_score":-0.07057600344220798},{"text":"Thanks very much for calling Veronica.","start":1375.985,"end":1377.605,"sentiment":"positive","sentiment_score":0.819017360607783}],"sentiment":"neutral","sentiment_score":0.2655545059591532,"num_words":30,"start":1335.73,"end":1377.605},{"sentences":[{"text":"Okay.","start":1380.465,"end":1380.945,"sentiment":"neutral","sentiment_score":0.2200448215007782},{"text":"Bye.","start":1380.945,"end":1381.445,"sentiment":"neutral","sentiment_score":0.20320317149162292}],"sentiment":"neutral","sentiment_score":0.21162399649620056,"num_words":2,"start":1380.465,"end":1381.445}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Ranta speaking.\n\nChannel 1: Hi, Veronica. It's Trent Daniel calling. We have a 02:00, and I missed two by seconds.\n\nChannel 0: No. That's all good. Thanks for calling me back. Do do you still have some time to go through your\n\nChannel 1: Stop.\n\nChannel 0: interview\n\nChannel 1: Oh,\n\nChannel 0: now?\n\nChannel 1: yeah. Absolutely. Yep. Yep. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Beautiful. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: That's fine.\n\nChannel 0: Yep. Perfect. And before I do kind of jump into things as well, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see where everything's at?\n\nChannel 1: No. I'm gonna let you take the reins, and then that'll prompt me to think of anything. I think I thought I guess it's\n\nChannel 0: Yes.\n\nChannel 1: the best way to go.\n\nChannel 0: Yeah. Beautiful. Thank you so much. Now are you kind of on the go at the moment, or do you have access to your emails?\n\nChannel 1: I do\n\nChannel 0: Either\n\nChannel 1: have\n\nChannel 0: way,\n\nChannel 1: access\n\nChannel 0: it's\n\nChannel 1: to\n\nChannel 0: fine.\n\nChannel 1: my email via phone.\n\nChannel 0: Yeah? Okay. Before I do get you to jump into the email, I'll just go through\n\nChannel 1: Yep.\n\nChannel 0: just a bit of an updated fact find with you first just\n\nChannel 1: Yep.\n\nChannel 0: to see if there is anything major that has changed in your life or if we need to make any changes to your advice. So just kinda bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that still the case?\n\nChannel 1: No. I have a financial dependent.\n\nChannel 0: Yeah. And how old?\n\nChannel 1: 18.\n\nChannel 0: Yeah. A boy or a girl?\n\nChannel 1: A girl.\n\nChannel 0: Oh, that's exciting. Now next up, Kim, I have Alexandra nominated. That's still\n\nChannel 1: Yep.\n\nChannel 0: the case as well? Yep.\n\nChannel 1: Yep.\n\nChannel 0: You just Now occupation wise, has any of that changed in the last twelve months?\n\nChannel 1: No.\n\nChannel 0: Not perfect. So still working as a sleep operator?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now I have income at about 83,000. That's still the case as well, or has that changed?\n\nChannel 1: Yep. Still the same.\n\nChannel 0: Still the same? Perfect. And contribution wise, any changes there, or they still pay you that standard 12% contribution?\n\nChannel 1: Yep. Still the same.\n\nChannel 0: Yep. Perfect. And you're not making any additional contribution into super. Is that from your employer? Correct?\n\nNo. Perfect.\n\nChannel 1: No.\n\nChannel 0: Now asset wise, I know that last time we spoke, you obviously left your property in Brisbane and was having that as an investment property.\n\nChannel 1: Yep.\n\nChannel 0: And we're looking at buying a property in Tasmania. Did you guys end up buying something in Tasmania, or is that still kind of\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: plan?\n\nChannel 1: built a house. No. We built a place in South Australia.\n\nChannel 0: Oh, nice. And are you guys having that as another\n\nChannel 1: No.\n\nChannel 0: investment property, or are you moving there?\n\nChannel 1: No. Not gonna move there. No.\n\nChannel 0: Okay.\n\nChannel 1: No. Investing property.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: It's\n\nChannel 0: And\n\nChannel 1: it's still under build.\n\nChannel 0: okay.\n\nChannel 1: Hope but hopefully, we finish very soon. We've got inspection final first completion inspection is tomorrow.\n\nChannel 0: Oh, okay. Perfect. And do you know how much it would be valued at right now at all, roughly?\n\nChannel 1: I'm hoping it'll be around the $6.50.\n\nChannel 0: About $6.50. And is there a mortgage attached\n\nChannel 1: What?\n\nChannel 0: to that one?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Do you know how much we'd be owing?\n\nChannel 1: $6.50.\n\nChannel 0: About see, yes. No. All good.\n\nChannel 1: It's only\n\nChannel 0: And your\n\nChannel 1: it is just only fine.\n\nChannel 0: yeah. No. That's all good. And your other Brisbane investment property, I have it down at about $9.50.\n\nChannel 1: Yeah. Yeah. I think it was 9. $9.50 is close enough.\n\nChannel 0: Yes. Yep. And mortgage about $3.90.\n\nChannel 1: Yes.\n\nChannel 0: Yep. I also have a motor vehicle right at about 25,000 with\n\nChannel 1: Yes.\n\nChannel 0: Yep. And savings about 1,500.\n\nChannel 1: Oh, no. That sounds a bit short. Saving is about 35.\n\nChannel 0: Oh, nice. 35. Any other new assets in the last twelve months? Any other motorbikes or boats or anything like that?\n\nChannel 1: Well, there\n\nChannel 0: Caravan.\n\nChannel 1: is a there is a car that's in oh, sorry. Something's in both of our names as well.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: A Mazda a Mazda c x 30.\n\nChannel 0: Yep. And how much would that one be worth?\n\nChannel 1: Probably not as much as Zowing. There's about\n\nChannel 0: It's like that with\n\nChannel 1: I think\n\nChannel 0: golf.\n\nChannel 1: there's I think there's 20 yeah. There's a little probably bright it'll probably break even. So it's probably about 27,000 owing, and it's\n\nChannel 0: Alright.\n\nChannel 1: probably\n\nChannel 0: Perfect.\n\nChannel 1: worth about 27.\n\nChannel 0: Okay. Perfect. Anything else?\n\nChannel 1: No. That should be about it.\n\nChannel 0: No. That's all good. Health and lifestyle wise, I have you down here as a nonspoker. Is that still the case as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And have you had any changes to your health in the last twelve months otherwise?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And do you have private health insurance?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And estate planning wise, do you guys have a will or power of attorney in place at all?\n\nChannel 1: No.\n\nChannel 0: No. And when it comes through beneficiaries, so for your superannuation, I do have Alexandra nominated at a 100%.\n\nChannel 1: Yes.\n\nChannel 0: But for your insurances, we don't have a nomination on file currently. Would you like that to be the same, or do you want it to any differently?\n\nChannel 1: What other insurances are you referring to?\n\nChannel 0: Sorry. For your superannuation, so that will be your hub 24. So if something were to happen to you,\n\nChannel 1: Oh.\n\nChannel 0: the way things are at the moment is that Alex would get you a super, but there is no nomination currently for your child insurances. So, like, your life insurance and stuff.\n\nChannel 1: Oh, yeah. All that to Alex.\n\nChannel 0: Yep. Okay. Now\n\nChannel 1: Yeah.\n\nChannel 0: with the the forms, because they are because you are making a legal nomination, I can get it all prefilled for you, but you will have to get it witnessed and signed. Do\n\nChannel 1: Yep.\n\nChannel 0: you have access to a printer, or do you prefer post?\n\nChannel 1: No. I print it. It's okay.\n\nChannel 0: Printer? Okay. Perfect. Well, I'll get the team to email you that. We'll prefill it to Alexandra at a 100%.\n\nAnd do you want the same nomination as your super, the binding non lapsing option?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Please.\n\nChannel 0: We'll get that all sorted. Now, otherwise, when it comes to goals, the stuff that you are working towards that you are wanting to achieve, obviously, aside from finalizing, the build on the property in South Australia, is there something else that you guys are working towards that you are wanting to achieve at all?\n\nChannel 1: No. Not at the moment. We just want\n\nChannel 0: Nope.\n\nChannel 1: to get that one.\n\nChannel 0: Yep.\n\nChannel 1: Make an income and seeing if we can afford it.\n\nChannel 0: Yep. See how we how we go from there. No.\n\nChannel 1: With the\n\nChannel 0: That\n\nChannel 1: interest\n\nChannel 0: sounds\n\nChannel 1: rates\n\nChannel 0: sounds\n\nChannel 1: the way\n\nChannel 0: like\n\nChannel 1: they\n\nChannel 0: a\n\nChannel 1: are,\n\nChannel 0: plan.\n\nChannel 1: they're sort of sort of maxed out to where we worst\n\nChannel 0: Yep.\n\nChannel 1: case scenarios are here.\n\nChannel 0: Yeah. And then get a bit of a hang on things when that's all up and running.\n\nChannel 1: Hang hang on two secs if that's okay, Brian. Do\n\nChannel 0: Sure.\n\nChannel 1: wanna try and\n\nChannel 0: Yep.\n\nChannel 1: put that on or you reckon we'd we'd missed the tide? Oh, we've missed it. Yeah. Yeah. Yeah.\n\nSorry, Brian. Good. Thanks.\n\nChannel 0: No. That's all good. Now next thing is just your risk profile. I know we've gone through this a couple of times, So I won't get you to go through all the questions again. But has anything when it comes to your risk tolerance fluctuations to the market, your views on anything changed, or is it all roughly the same as last year when we went through everything?\n\nChannel 1: Yeah. It'd be over fine.\n\nChannel 0: Okay. Perfect. And just as a bit of a recap for you, we do currently have you invested in your growth portfolio. And, basically, that is for for investors investing while you still have plenty of time. Comfortable with a bit of short term fluctuations in order to get there.\n\nAnd when we are looking at an asset allocation point of view, we see about that eighty twenty split. So about the 80% to your growth investment, which is, like, your international shares, your Australian shares, property, and commodities, and that is what's going to grow that super for you And about 20% in those defensive, your cash, your gold, your fixed interest limit fluctuations a little bit. Does that all make sense? You still happy\n\nChannel 1: Yep.\n\nChannel 0: with that?\n\nChannel 1: Yep. That\n\nChannel 0: Yep.\n\nChannel 1: sounds fine.\n\nChannel 0: Yep. Beautiful. And when we are looking at a time frame, so making sure you have enough time in the market, a typical growth portfolio, we do want to allow around six years until retirement. So making sure you have enough time in the market. And if you are still kind of planning and accessing super at about 60, you do have that that time frame behind you still at the moment.\n\nChannel 1: Yeah. It's probably gonna be a bit lighter now, having a\n\nChannel 0: Yeah.\n\nChannel 1: 18 old. But yeah. It's probably\n\nChannel 0: Yeah.\n\nChannel 1: gonna keep me in\n\nChannel 0: When\n\nChannel 1: the workforce a bit longer.\n\nChannel 0: oh, yeah. When when if you were to estimate, would you say, like, '65, '67?\n\nChannel 1: Yeah.\n\nChannel 0: When\n\nChannel 1: Look.\n\nChannel 0: do you think\n\nChannel 1: I'll\n\nChannel 0: you\n\nChannel 1: be happy with 65 as my tag\n\nChannel 0: were?\n\nChannel 1: my\n\nChannel 0: 60\n\nChannel 1: new my\n\nChannel 0: five.\n\nChannel 1: new target.\n\nChannel 0: Yep. No. I totally understand. Obviously, a bit of bit of extra expenses there.\n\nChannel 1: Yeah.\n\nChannel 0: Now email wise, if you can access that for me, that would be great. And we have all the changes software, so it might look a little bit different to what you are used to. It is still all digitally, though. It is just a slightly different software.\n\nChannel 1: Okay.\n\nChannel 0: So let me know if that came\n\nChannel 1: But\n\nChannel 0: through\n\nChannel 1: that\n\nChannel 0: okay.\n\nChannel 1: can't through locate. Signature request.\n\nChannel 0: Yes, please. So if you click on that one, it will allow you to open up and view all the documents first before it prompts you to sign anything. Let me know what you can see when you open it.\n\nChannel 1: Yes. It's a tell document.\n\nChannel 0: Yep. So is that your super insurance summary? Or what can you\n\nChannel 1: No.\n\nChannel 0: see?\n\nChannel 1: That's the oh. Sorry. Let's get back to the top. Certificate certificate of currency.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Oh, next option. So was there any design with that one? No.\n\nChannel 0: No. So the tile document, it just breaks down your insurances in a little bit more detail.\n\nChannel 1: Yep. I can\n\nChannel 0: So\n\nChannel 1: see\n\nChannel 0: it\n\nChannel 1: that.\n\nChannel 0: basic, yeah,\n\nChannel 1: Hang on.\n\nChannel 0: so\n\nChannel 1: It's\n\nChannel 0: it basically\n\nChannel 1: not.\n\nChannel 0: lets you know it's all kind of paid and up to date. Now when it comes to the insurances, you can see here that you have your life, and that's about a million dollars if something were to happen to you, and then also that total permanent disability insurance, of about 250,000. Now\n\nChannel 1: Yep.\n\nChannel 0: with your life and PPD, has any of that changed in terms of how much cover you feel like is sufficient to meet your goals, or do you think that's still kind of pretty good for what you are after?\n\nChannel 1: Yeah. That's still that's still okay. Yep.\n\nChannel 0: Yeah. I mean, it would still pay out, obviously, for your life. It would still pay out the mortgage if something ever were to happen on both properties as well, which which is good. And, obviously, a little bit of extra as well. And for the TPD, it will help, obviously, cover a bit of it if need be.\n\nObviously, being an investment property, if something were to happen, you'd still probably get income from those unless, obviously, anything changed and you decided to move into them. So it still kind of gives you a good good amount there for you. Now with your income protection as well, you do have an income protection which will pay you a monthly amount of $4,841 per month. You do have a ninety day waiting period and a two year benefit period. Everything is paid and structured from within superannuation.\n\nSo you don't have to pay for anything out of pocket for those. Any questions when it comes to your insurances at all there?\n\nChannel 1: No. All good. All good.\n\nChannel 0: No. All good. Perfect. Now\n\nChannel 1: I've just\n\nChannel 0: when\n\nChannel 1: got\n\nChannel 0: it\n\nChannel 1: the\n\nChannel 0: come\n\nChannel 1: sorry. Was there anything to sign on what you were talking about there?\n\nChannel 0: No. No.\n\nChannel 1: Okay. Right. Yep. Yep.\n\nChannel 0: Yep. Nothing yet.\n\nChannel 1: The only one I've got the next one I've got in front of me is the consent on new ongoing fee arrangement with hub twenty four.\n\nChannel 0: Okay. You didn't get any other documents? Is that your next one?\n\nChannel 1: Yeah. There might be other ones on there.\n\nChannel 0: Okay. Let me have\n\nChannel 1: I\n\nChannel 0: a look\n\nChannel 1: don't really\n\nChannel 0: because\n\nChannel 1: know\n\nChannel 0: sometimes\n\nChannel 1: how to go back.\n\nChannel 0: no. That's all good. Everything will be saved for you afterwards if you wanted to go back. If not, I can always get them emailed to you if you wanted\n\nChannel 1: It\n\nChannel 0: to go and\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: was\n\nChannel 0: a\n\nChannel 1: going\n\nChannel 0: have\n\nChannel 1: through\n\nChannel 0: a look.\n\nChannel 1: them and it was saying next next, but now it says click to start. I'm not sure what that\n\nChannel 0: Let me have a look here. No. The the one the next one is the one to sign, but it might they may have skipped a couple of documents. But the one to sign is the one that you're on at the moment. And what I can do\n\nChannel 1: Okay.\n\nChannel 0: is if it's a bit of a glitch in the system, I can always get their team. So when they send you the beneficiary form for your insurances for Alex, I can just get them to attach the documents that way again to make it easier if you did want us to just have a quick review of them. Because, yeah,\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: sometimes\n\nChannel 1: That'd\n\nChannel 0: the\n\nChannel 1: be\n\nChannel 0: software\n\nChannel 1: good.\n\nChannel 0: has a has a bit of\n\nChannel 1: Yep.\n\nChannel 0: a glitch, so I will just get them to include that. But, basically, when you do have them, sorry, the one in between was also just showing you your superannuation balance. Now at the moment, obviously, you have your super in Hub 24, and your super balance as of today is $348,954.\n\nChannel 1: Sorry.\n\nChannel 0: Now\n\nChannel 1: What was that\n\nChannel 0: you\n\nChannel 1: figure\n\nChannel 0: will\n\nChannel 1: again?\n\nChannel 0: 348\n\nChannel 1: Oh, yep.\n\nChannel 0: thousand\n\nChannel 1: Yep. Yep.\n\nChannel 0: 900\n\nChannel 1: Yep. Yep.\n\nChannel 0: and 50\n\nChannel 1: Yep.\n\nChannel 0: 4. Yep. Now when it comes to your portfolio as well, so with your investments, so the last twelve months have seen a bit of fluctuations in the market, which I'm sure you've heard on the news and everything in the last twelve months have been a little bit turbulent. Obviously,\n\nChannel 1: Yes.\n\nChannel 0: everything in the in The US with Trump and tariffs and everything, so this fluctuation, and, hopefully, more recently with the war as well, have seen a little bit of fluctuation. So the last twelve months, like I said, have been a little bit up and down, and there's been a little bit mixed result in the the market with the investments. So the good thing is that your investments are still very diversified and tailored for that long term growth, and most of your investments have done pretty good. There is one investment that I would like to do a little bit more research on for you and look at changing, which is your Benelung Australian equity investment. The reason I do wanna kind of deep dive and look at changing that one a little bit is that it is slightly underperforming at the moment.\n\nNow not always when things are down do we wanna look at changing because you also don't wanna sell when the prices are down. But at the same time, we wanna be proactive. And if we because we do research on the investments all the time. And if we foresee that one is underperforming a little bit and a little bit slower and we don't think it's going to come back around as much or be the best option for you moving forward, then we want to make sure we are proactive with those decisions for you.\n\nChannel 1: Absolutely.\n\nChannel 0: So if\n\nChannel 1: That\n\nChannel 0: you\n\nChannel 1: makes\n\nChannel 0: are\n\nChannel 1: sense.\n\nChannel 0: yeah. So if you're happy for me to do so, what I would like to do after today is just to kind of go and deep down into your investments a little bit more there for you to see if we need to make any any changes.\n\nChannel 1: Yep.\n\nChannel 0: It will take me about a week or so to put all of that\n\nChannel 1: Come\n\nChannel 0: together.\n\nChannel 1: on, Veronica. You're better than that.\n\nChannel 0: Hey. It's not\n\nChannel 1: That's\n\nChannel 0: just\n\nChannel 1: fine.\n\nChannel 0: me. It's my my ring surgeon team as\n\nChannel 1: I\n\nChannel 0: well.\n\nChannel 1: don't blame it on others. No. That's fine. I understand. That's fine.\n\nChannel 0: Yeah. Now let me have a look here. Next week is filling up pretty quickly, but do you have any availability on Wednesday or Thursday next week?\n\nChannel 1: Yeah. Same time next Thursday is probably pretty\n\nChannel 0: Six\n\nChannel 1: good.\n\nChannel 0: times. Alright. Let me have a look. Yeah. Through yep.\n\nThat will work. Actually, could you do one hour earlier or no?\n\nChannel 1: Yeah. Yeah. No. That's okay.\n\nChannel 0: Yeah. Okay. Just sorry. Because I do have another appointment. Sorry.\n\nThat will be 01:00 next Thursday, the eighteenth. Would you like a reminder text in twelve\n\nChannel 1: Yes, please.\n\nChannel 0: two hours before? Yes. Perfect. If anything does change and you can't make the appointment, just let me know, and I can always get that shuffled for you.\n\nChannel 1: Wouldn't be a problem.\n\nChannel 0: Yep. Perfect. Now the other document that you will get in the email afterwards as well is just an updated financial services guide. You would have seen this one before. It is one of those compliance documents, but it does give you all the important information regarding us here for you.\n\nNone of the important information has changed. It's all the same. But we've had a bit of an update through, to marketing, which is good. So you will have a look and see that we've had a bit of updated photos, a bit of an extension through the team. If you do have a look through it, again, you will see me on page nine if you do wanna put a face to the voice again.\n\nChannel 1: Cool.\n\nChannel 0: Yep. Now the the one document there that it will ask you to sign if you are happy to do so is that ongoing service agreement. And that is just to say that you are happy to stay on as the client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super.\n\nNo changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this, it'll allows us to manage your account, your investments, and everything for you in the meantime. Does that all make sense?\n\nChannel 1: Yeah. Actually, can you go just\n\nChannel 0: Yeah.\n\nChannel 1: backtrack on that on that fee\n\nChannel 0: Yeah.\n\nChannel 1: structure?\n\nChannel 0: Yes.\n\nChannel 1: Can you explain that a little bit more? How how how do you how do I pay you guys and how do where does that\n\nChannel 0: Mhmm.\n\nChannel 1: come from and how does all that work again?\n\nChannel 0: Yes. So the fee structure comes straight from Super. So you don't obviously pay for anything out of pocket. It\n\nChannel 1: Right.\n\nChannel 0: is calculated usually on an annual basis, but it is deducted from your account on a monthly basis. The reason we do\n\nChannel 1: Yep.\n\nChannel 0: it a monthly is because it's a bit more fair to you with market fluctuations. Because if we were to charge it's just a flat at 1.65%. And if we were to charge that at the time, let's say, a a once off during the year and the market's up a lot, then, obviously, we would take out more money from your account. But, obviously, on the flip side, if the market's down, it would be less. So charging it monthly for you\n\nChannel 1: Yep.\n\nChannel 0: just kind\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: still\n\nChannel 0: smooths\n\nChannel 1: understand\n\nChannel 0: that\n\nChannel 1: that.\n\nChannel 0: out,\n\nChannel 1: Yep.\n\nChannel 0: yeah, with the\n\nChannel 1: And\n\nChannel 0: fluctuations\n\nChannel 1: that's one\n\nChannel 0: in\n\nChannel 1: point\n\nChannel 0: the\n\nChannel 1: six\n\nChannel 0: market.\n\nChannel 1: percent. Gary?\n\nChannel 0: What? 1.65,\n\nChannel 1: 1.65% of what?\n\nChannel 0: Your super balance.\n\nChannel 1: My super balance. Okay. Rhino.\n\nChannel 0: Correct. Yep. Does that make sense?\n\nChannel 1: Yes. Yes. Yes. It does.\n\nChannel 0: Yeah. Yeah. Do you have any questions in regards to the fee structure?\n\nChannel 1: No. No. No. No. No.\n\nNo. I just wanted\n\nChannel 0: Nope.\n\nChannel 1: to confirm\n\nChannel 0: Nope.\n\nChannel 1: all that, and that's that's that's I\n\nChannel 0: Yes.\n\nChannel 1: wasn't sure exactly sure how it how it was calculated,\n\nChannel 0: How\n\nChannel 1: but that\n\nChannel 0: it\n\nChannel 1: that\n\nChannel 0: is.\n\nChannel 1: answers that. Yeah.\n\nChannel 0: Yep. And the good thing as well with it being monthly, like I said, is that it's not a lock in contract. So like I said, if at any point in time you're not happy, it's not like a one off fee that gets deducted and that's it. It is just to to make things more even for you. Now in the research paper with your investments, I will outline it again for you because it does show, like, all the fees with your hub twenty four adviser fees insurances and then also the return on your investments.\n\nAnd then if I do make a recommendation on changing anything for you, what that would look like as well. So you'll have that full document outlined as well next Thursday when we go through everything.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yep. Perfect. So, yeah, basically, from here, if you are happy to do so, it will just ask for that one signature. I think that is the only one, or there might be one after that one for you.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: You got any quick\n\nChannel 0: When\n\nChannel 1: I I can email you, can't I?\n\nChannel 0: yes. Of course. You can.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: You can\n\nChannel 1: Yeah. No worries.\n\nChannel 0: always\n\nChannel 1: If I\n\nChannel 0: yep.\n\nChannel 1: go in queries there,\n\nChannel 0: So\n\nChannel 1: I'll just email you, but it should be pretty straightforward.\n\nChannel 0: yes. Exactly. If you have any question at any point in time, don't hesitate to email me. If you think of anything as well, though, you can always just ask me next Thursday when I go through the research on your investment as well. Yep.\n\nBeautiful. Well, do you have any other questions for me today so far otherwise?\n\nChannel 1: Yep. No. I reckon that's that's\n\nChannel 0: No.\n\nChannel 1: pretty good.\n\nChannel 0: Yep. Perfect. Well, thank you so much for your time today, and I look forward to speaking with you more next Thursday, the eighteenth at 01:00 and going through those investments a little bit more detail there for you.\n\nChannel 1: Thanks very much for calling Veronica.\n\nChannel 0: No problem. We'll speak next week.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.36,"end":2.0,"sentiment":"neutral","sentiment_score":0.25752393901348114},{"text":"This is Ranta speaking.","start":2.0,"end":3.22,"sentiment":"neutral","sentiment_score":0.1428528856486082}],"sentiment":"neutral","sentiment_score":0.18107657010356584,"channel":0,"num_words":6,"start":1.36,"end":3.22},{"sentences":[{"text":"Hi, Veronica.","start":4.3199997,"end":5.22,"sentiment":"neutral","sentiment_score":0.0704837292432785},{"text":"It's Trent Daniel calling.","start":5.2799997,"end":6.48,"sentiment":"neutral","sentiment_score":0.05339383240789175},{"text":"We have a 02:00, and I missed two by seconds.","start":6.48,"end":9.139999,"sentiment":"neutral","sentiment_score":0.018526998348534107}],"sentiment":"neutral","sentiment_score":0.03373829822521657,"channel":1,"num_words":16,"start":4.3199997,"end":9.139999},{"sentences":[{"text":"No.","start":9.76,"end":10.0,"sentiment":"neutral","sentiment_score":-0.015793010592460632},{"text":"That's all good.","start":10.0,"end":10.96,"sentiment":"neutral","sentiment_score":0.32215337951978046},{"text":"Thanks for calling me back.","start":10.96,"end":12.42,"sentiment":"positive","sentiment_score":0.5762888193130493},{"text":"Do do you still have some time to go through 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just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":21.305,"end":29.28,"sentiment":"neutral","sentiment_score":0.053189297537169146}],"sentiment":"neutral","sentiment_score":0.07588588892284667,"channel":0,"num_words":33,"start":19.385,"end":29.28},{"sentences":[{"text":"That's fine.","start":29.7,"end":30.6,"sentiment":"neutral","sentiment_score":0.22735295444726944}],"sentiment":"neutral","sentiment_score":0.22735295444726944,"channel":1,"num_words":2,"start":29.7,"end":30.6},{"sentences":[{"text":"Yep.","start":30.800001,"end":31.28,"sentiment":"neutral","sentiment_score":0.26129114627838135},{"text":"Perfect.","start":31.28,"end":31.78,"sentiment":"positive","sentiment_score":0.4604845941066742},{"text":"And before I do kind of jump into things as well, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas 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today, and I look forward to speaking with you more next Thursday, the eighteenth at 01:00 and going through those investments a little bit more detail there for you.","start":1364.88,"end":1375.4751,"sentiment":"positive","sentiment_score":0.684911781871641}],"sentiment":"positive","sentiment_score":0.6721005202868046,"channel":0,"num_words":39,"start":1363.68,"end":1375.4751},{"sentences":[{"text":"Thanks very much for calling Veronica.","start":1375.985,"end":1377.605,"sentiment":"positive","sentiment_score":0.819017360607783}],"sentiment":"positive","sentiment_score":0.819017360607783,"channel":1,"num_words":6,"start":1375.985,"end":1377.605},{"sentences":[{"text":"No problem.","start":1378.255,"end":1378.895,"sentiment":"positive","sentiment_score":0.5293265581130981},{"text":"We'll speak next week.","start":1378.895,"end":1380.115,"sentiment":"positive","sentiment_score":0.4974078983068466}],"sentiment":"positive","sentiment_score":0.5080474515755972,"channel":0,"num_words":6,"start":1378.255,"end":1380.115},{"sentences":[{"text":"Okay.","start":1380.465,"end":1380.945,"sentiment":"neutral","sentiment_score":0.2200448215007782},{"text":"Bye.","start":1380.945,"end":1381.445,"sentiment":"neutral","sentiment_score":0.20320317149162292}],"sentiment":"neutral","sentiment_score":0.21162399649620056,"channel":1,"num_words":2,"start":1380.465,"end":1381.445},{"sentences":[{"text":"Okay.","start":1381.775,"end":1382.255,"sentiment":"neutral","sentiment_score":0.11766353249549866},{"text":"Bye.","start":1382.255,"end":1382.755,"sentiment":"neutral","sentiment_score":-0.11259759962558746}],"sentiment":"neutral","sentiment_score":0.002532966434955597,"channel":0,"num_words":2,"start":1381.775,"end":1382.755}]},"summary":{"result":"success","short":"Ranta discusses their personal information and retirement plans with a representative, including their investment property, mortgage, and health insurance. They provide information on their risk profile, retirement plans, and risk tolerance. The agent discusses their investment property and coverage options with the customer, emphasizing the need for time in the market and the importance of having enough time to prepare for retirement. The agent explains the process for prefilling and preformatting forms, discusses the risk tolerance and investment strategy, and offers to send a copy of their consent on new ongoing fee arrangement. The agent provides research paper and ongoing service agreement information, and advises changing the investment portfolio if underperforming. The fee structure is calculated on an annual basis and is deducted from the account on a monthly basis. The agent provides a research paper with the customer's investments and advises them to email any questions."},"intents":{"segments":[{"text":"Do do you still have some time to go through your Stop. interview Oh, now?","start_word":31,"end_word":45,"intents":[{"intent":"Check status of interview","confidence_score":0.023024296}]},{"text":"And before I do kind of jump into things as well, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see where everything's at? No.","start_word":90,"end_word":146,"intents":[{"intent":"Discuss specific areas of focus","confidence_score":0.0013156577}]},{"text":"Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that still the case? No.","start_word":279,"end_word":303,"intents":[{"intent":"Discuss personal information","confidence_score":0.17226648},{"intent":"Discuss personal information","confidence_score":0.040875386}]},{"text":"Now I have income at about 83,000. That's still the case as well, or has that changed? Yep.","start_word":369,"end_word":386,"intents":[{"intent":"Clarify income and contribution","confidence_score":0.0010556019}]},{"text":"with the the forms, because they are because you are making a legal nomination, I can get it all prefilled for you, but you will have to get it witnessed and signed. Do Yep.","start_word":984,"end_word":1017,"intents":[{"intent":"Prefill forms","confidence_score":0.29978278}]},{"text":"you have access to a printer, or do you prefer post?","start_word":1017,"end_word":1027,"intents":[{"intent":"Obtain information","confidence_score":0.0080115935}]},{"text":"I print it. It's okay. Printer?","start_word":1029,"end_word":1034,"intents":[{"intent":"Print form","confidence_score":0.40603662}]},{"text":"We'll get that all sorted. Now, otherwise, when it comes to goals, the stuff that you are working towards that you are wanting to achieve, obviously, aside from finalizing, the build on the property in South Australia, is there something else that you guys are working towards that you are wanting to achieve at all? No.","start_word":1073,"end_word":1128,"intents":[{"intent":"Finish project","confidence_score":0.0045097386}]},{"text":"Make an income and seeing if we can afford it. Yep.","start_word":1142,"end_word":1152,"intents":[{"intent":"Make income","confidence_score":0.32336223}]},{"text":"With the That interest sounds rates sounds the way like they a are, plan. they're sort of sort of maxed out to where we worst Yep.","start_word":1162,"end_word":1187,"intents":[{"intent":"Evaluate interest rates","confidence_score":0.006841943},{"intent":"Evaluate interest rates","confidence_score":0.024741076}]},{"text":"Sorry, Brian. Good. Thanks.","start_word":1242,"end_word":1245,"intents":[{"intent":"Confirm understanding","confidence_score":0.0048805266}]},{"text":"No. That's all good. Now next thing is just your risk profile. I know we've gone through this a couple of times, So I won't get you to go through all the questions again. But has anything when it comes to your risk tolerance fluctuations to the market, your views on anything changed, or is it all roughly the same as last year when we went through everything? Yeah. It'd be over fine. Okay. Perfect.","start_word":1246,"end_word":1320,"intents":[{"intent":"Express fear","confidence_score":0.00009074109}]},{"text":"Now next thing is just your risk profile. I know we've gone through this a couple of times, So I won't get you to go through all the questions again. But has anything when it comes to your risk tolerance fluctuations to the market, your views on anything changed, or is it all roughly the same as last year when we went through everything? Yeah.","start_word":1250,"end_word":1314,"intents":[{"intent":"Inquire about risk profile","confidence_score":0.008525212}]},{"text":"And just as a bit of a recap for you, we do currently have you invested in your growth portfolio.","start_word":1322,"end_word":1341,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.0036672114}]},{"text":"And when we are looking at an asset allocation point of view, we see about that eighty twenty split. So about the 80% to your growth investment, which is, like, your international shares, your Australian shares, property, and commodities, and that is what's going to grow that super for you And about 20% in those defensive, your cash, your gold, your fixed interest limit fluctuations a little bit. Does that all make sense?","start_word":1369,"end_word":1441,"intents":[{"intent":"Explain asset allocation","confidence_score":0.01995664}]},{"text":"And when we are looking at a time frame, so making sure you have enough time in the market, a typical growth portfolio, we do want to allow around six years until retirement. So making sure you have enough time in the market. And if you are still kind of planning and accessing super at about 60, you do have that that time frame behind you still at the moment. Yeah.","start_word":1455,"end_word":1525,"intents":[{"intent":"Explain time frame","confidence_score":0.12159275},{"intent":"Discuss retirement planning","confidence_score":0.027478915}]},{"text":"Obviously, a bit of bit of extra expenses there. Yeah.","start_word":1597,"end_word":1606,"intents":[{"intent":"Discuss additional expenses","confidence_score":0.22324587}]},{"text":"Now email wise, if you can access that for me, that would be great.","start_word":1607,"end_word":1620,"intents":[{"intent":"Discuss email access","confidence_score":0.28717119}]},{"text":"And we have all the changes software, so it might look a little bit different to what you are used to. It is still all digitally, though. It is just a slightly different software. Okay.","start_word":1621,"end_word":1655,"intents":[{"intent":"Explain changes in software","confidence_score":0.00030726165},{"intent":"State difference between software and software","confidence_score":0.000017003067}]},{"text":"Signature request. Yes, please.","start_word":1670,"end_word":1673,"intents":[{"intent":"Request signature","confidence_score":0.02276904}]},{"text":"So if you click on that one, it will allow you to open up and view all the documents first before it prompts you to sign anything. Let me know what you can see when you open it. Yes.","start_word":1675,"end_word":1713,"intents":[{"intent":"View documents","confidence_score":0.10519326}]},{"text":"It's a tell document. Yep.","start_word":1713,"end_word":1717,"intents":[{"intent":"Understand documents","confidence_score":0.04901257}]},{"text":"So is that your super insurance summary? Or what can you No. see?","start_word":1718,"end_word":1730,"intents":[{"intent":"Understand contents","confidence_score":0.0036283946}]},{"text":"lets you know it's all kind of paid and up to date. Now when it comes to the insurances, you can see here that you have your life, and that's about a million dollars if something were to happen to you, and then also that total permanent disability insurance, of about 250,000. Now Yep.","start_word":1792,"end_word":1845,"intents":[{"intent":"Clarify payment details","confidence_score":0.000096475786}]},{"text":"with your life and PPD, has any of that changed in terms of how much cover you feel like is sufficient to meet your goals, or do you think that's still kind of pretty good for what you are after? Yeah.","start_word":1846,"end_word":1886,"intents":[{"intent":"Determine future plans","confidence_score":0.00027218982}]},{"text":"Now with your income protection as well, you do have an income protection which will pay you a monthly amount of $4,841 per month.","start_word":1994,"end_word":2017,"intents":[{"intent":"Provide income protection","confidence_score":0.028538434}]},{"text":"Any questions when it comes to your insurances at all there?","start_word":2053,"end_word":2063,"intents":[{"intent":"Discuss insurances","confidence_score":0.08036596}]},{"text":"You didn't get any other documents? Is that your next one?","start_word":2130,"end_word":2140,"intents":[{"intent":"Confirm documents","confidence_score":0.061559446}]},{"text":"Everything will be saved for you afterwards if you wanted to go back.","start_word":2169,"end_word":2181,"intents":[{"intent":"Save documents","confidence_score":0.17391051}]},{"text":"is if it's a bit of a glitch in the system, I can always get their team. So when they send you the beneficiary form for your insurances for Alex, I can just get them to attach the documents that way again to make it easier if you did want us to just have a quick review of them.","start_word":2276,"end_word":2334,"intents":[{"intent":"Add beneficiary form","confidence_score":0.027958224}]},{"text":"sometimes That'd the be software good. has a has a bit of Yep. a glitch, so I will just get them to include that.","start_word":2339,"end_word":2362,"intents":[{"intent":"Review software","confidence_score":0.46420795}]},{"text":"There is one investment that I would like to do a little bit more research on for you and look at changing, which is your Benelung Australian equity investment.","start_word":2567,"end_word":2595,"intents":[{"intent":"Investigate investments","confidence_score":0.0030062287}]},{"text":"Now the other document that you will get in the email afterwards as well is just an updated financial services guide. You would have seen this one before. It is one of those compliance documents, but it does give you all the important information regarding us here for you.","start_word":2953,"end_word":3001,"intents":[{"intent":"Update and clarify documents","confidence_score":0.001985972}]},{"text":"Now the the one document there that it will ask you to sign if you are happy to do so is that ongoing service agreement. And that is just to say that you are happy to stay on as the client. Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super.","start_word":3080,"end_word":3142,"intents":[{"intent":"Confirm agreement","confidence_score":0.0045814067}]},{"text":"So the fee structure comes straight from Super. So you don't obviously pay for anything out of pocket. It Right. is calculated usually on an annual basis, but it is deducted from your account on a monthly basis. The reason we do Yep.","start_word":3252,"end_word":3294,"intents":[{"intent":"Explain fee structure","confidence_score":0.87450254},{"intent":"Explain fee structure","confidence_score":0.7259423},{"intent":"Explain fee structure","confidence_score":0.6953371},{"intent":"Explain fee structure","confidence_score":0.6803461},{"intent":"Explain fee structure","confidence_score":0.654315},{"intent":"Explain fee structure","confidence_score":0.6329893}]},{"text":"The reason we do Yep. it a monthly is because it's a bit more fair to you with market fluctuations.","start_word":3290,"end_word":3309,"intents":[{"intent":"Clarify market fluctuations","confidence_score":0.0013812381}]},{"text":"Do you have any questions in regards to the fee structure? No.","start_word":3430,"end_word":3441,"intents":[{"intent":"Clarify fee structure","confidence_score":0.33898094}]},{"text":"Do you have any questions in regards to the fee structure? No. No.","start_word":3430,"end_word":3442,"intents":[{"intent":"Ask questions","confidence_score":0.2549145}]},{"text":"Now in the research paper with your investments, I will outline it again for you because it does show, like, all the fees with your hub twenty four adviser fees insurances and then also the return on your investments. And then if I do make a recommendation on changing anything for you, what that would look like as well. So you'll have that full document outlined as well next Thursday when we go through everything. Okay.","start_word":3540,"end_word":3615,"intents":[{"intent":"Recommend changes","confidence_score":0.11877326}]},{"text":"You got any quick When I I can email you, can't I? yes. Of course.","start_word":3661,"end_word":3675,"intents":[{"intent":"Email document","confidence_score":0.14916654}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Ranta speaking. Hi, Veronica. It's Trent Daniel calling. We have a 02:00, and I missed two by seconds. No. That's all good.","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.10244321078062056},{"text":"Thanks for calling me back.","start_word":26,"end_word":30,"sentiment":"positive","sentiment_score":0.5696209073066711},{"text":"Do do you still have some time to go through your Stop. interview Oh, now? yeah. Absolutely. Yep. Yep. Yep. Yes. Yep. Alright.","start_word":31,"end_word":53,"sentiment":"neutral","sentiment_score":0.11943040043115616},{"text":"Beautiful.","start_word":54,"end_word":54,"sentiment":"positive","sentiment_score":0.5264370441436768},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. That's fine. Yep.","start_word":55,"end_word":88,"sentiment":"neutral","sentiment_score":0.08749423921108246},{"text":"Perfect.","start_word":89,"end_word":89,"sentiment":"positive","sentiment_score":0.4604845941066742},{"text":"And before I do kind of jump into things as well, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see where everything's at? No. I'm gonna let you take the reins, and then that'll prompt me to think of anything. I think I thought I guess it's Yes. the best way to go. Yeah.","start_word":90,"end_word":176,"sentiment":"neutral","sentiment_score":0.03751702234148979},{"text":"Beautiful. Thank you so much.","start_word":177,"end_word":181,"sentiment":"positive","sentiment_score":0.4999428391456604},{"text":"Now are you kind of on the go at the moment, or do you have access to your emails? I do Either have way, access it's to fine. my email via phone. Yeah? Okay. Before I do get you to jump into the email, I'll just go through Yep. just a bit of an updated fact find with you first just Yep. to see if there is anything major that has changed in your life or if we need to make any changes to your advice. So just kinda bear with me as I go through this. Now when it comes to your personal information, I have you down here as married with no financial dependent. Is that still the case? No. I have a financial dependent. Yeah. And how old? 18. Yeah. A boy or a girl? A girl. Oh, that's exciting. Now next up, Kim, I have Alexandra nominated. That's still Yep. the case as well? Yep. Yep. You just Now occupation wise, has any of that changed in the last twelve months?","start_word":182,"end_word":356,"sentiment":"neutral","sentiment_score":0.024432136703814777},{"text":"No. Not perfect.","start_word":357,"end_word":359,"sentiment":"negative","sentiment_score":-0.4366048872470856},{"text":"So still working as a sleep operator? Yep. Yep. Now I have income at about 83,000. That's still the case as well, or has that changed? Yep. Still the same. Still the same? Perfect. And contribution wise, any changes there, or they still pay you that standard 12% contribution? Yep. Still the same. Yep. Perfect. And you're not making any additional contribution into super. Is that from your employer? Correct? No. Perfect. No. Now asset wise, I know that last time we spoke, you obviously left your property in Brisbane and was having that as an investment property. Yep. And we're looking at buying a property in Tasmania. Did you guys end up buying something in Tasmania, or is that still kind of No. the I plan? built a house. No. We built a place in South Australia. Oh, nice. And are you guys having that as another No. investment property, or are you moving there? No. Not gonna move there. No. Okay. No. Investing property. Okay. Perfect. It's And it's still under build. okay. Hope but hopefully, we finish very soon. We've got inspection final first completion inspection is tomorrow. Oh, okay. Perfect. And do you know how much it would be valued at right now at all, roughly? I'm hoping it'll be around the $6.50. About $6.50. And is there a mortgage attached What? to that one? Yes. Yep. Do you know how much we'd be owing? $6.50. About see, yes. No. All good. It's only And your it is just only fine. yeah. No. That's all good. And your other Brisbane investment property, I have it down at about $9.50. Yeah. Yeah. I think it was 9. $9.50 is close enough. Yes. Yep. And mortgage about $3.90. Yes. Yep. I also have a motor vehicle right at about 25,000 with Yes. Yep. And savings about 1,500. Oh, no. That sounds a bit short. Saving is about 35.","start_word":360,"end_word":679,"sentiment":"neutral","sentiment_score":0.003317797411000356},{"text":"Oh, nice.","start_word":680,"end_word":681,"sentiment":"positive","sentiment_score":0.4414612650871277},{"text":"35. Any other new assets in the last twelve months? Any other motorbikes or boats or anything like that? Well, there Caravan. is a there is a car that's in oh, sorry. Something's in both of our names as well. Mhmm. Yep. A Mazda a Mazda c x 30. Yep. And how much would that one be worth? Probably not as much as Zowing. There's about It's like that with I think golf. there's I think there's 20 yeah. There's a little probably bright it'll probably break even. So it's probably about 27,000 owing, and it's Alright. probably Perfect. worth about 27. Okay. Perfect. Anything else? No. That should be about it. No. That's all good. Health and lifestyle wise, I have you down here as a nonspoker. Is that still the case as well? Yes. Yep. Perfect. And have you had any changes to your health in the last twelve months otherwise? No. No. Perfect. And do you have private health insurance? Yes. Yep. And estate planning wise, do you guys have a will or power of attorney in place at all? No. No. And when it comes through beneficiaries, so for your superannuation, I do have Alexandra nominated at a 100%. Yes. But for your insurances, we don't have a nomination on file currently. Would you like that to be the same, or do you want it to any differently? What other insurances are you referring to? Sorry. For your superannuation, so that will be your hub 24. So if something were to happen to you, Oh. the way things are at the moment is that Alex would get you a super, but there is no nomination currently for your child insurances. So, like, your life insurance and stuff. Oh, yeah. All that to Alex. Yep. Okay. Now Yeah. with the the forms, because they are because you are making a legal nomination, I can get it all prefilled for you, but you will have to get it witnessed and signed. Do Yep. you have access to a printer, or do you prefer post? No. I print it. It's okay. Printer? Okay.","start_word":682,"end_word":1035,"sentiment":"neutral","sentiment_score":0.017178300255120307},{"text":"Perfect.","start_word":1036,"end_word":1036,"sentiment":"positive","sentiment_score":0.4330517053604126},{"text":"Well, I'll get the team to email you that. We'll prefill it to Alexandra at a 100%. And do you want the same nomination as your super, the binding non lapsing option? Yes. Yep.","start_word":1037,"end_word":1070,"sentiment":"neutral","sentiment_score":0.22309666872024536},{"text":"Perfect. Please. We'll get that all sorted.","start_word":1071,"end_word":1077,"sentiment":"positive","sentiment_score":0.5592254996299744},{"text":"Now, otherwise, when it comes to goals, the stuff that you are working towards that you are wanting to achieve, obviously, aside from finalizing, the build on the property in South Australia, is there something else that you guys are working towards that you are wanting to achieve at all? No. Not at the moment. We just want Nope. to get that one. Yep. Make an income and seeing if we can afford it. Yep. See how we how we go from there. No. With the That interest sounds rates sounds the way like they a are, plan. they're sort of sort of maxed out to where we worst Yep. case scenarios are here. Yeah. And then get a bit of a hang on things when that's all up and running. Hang hang on two secs if that's okay, Brian. Do Sure. wanna try and Yep. put that on or you reckon we'd we'd missed the tide? Oh, we've missed it. Yeah. Yeah. Yeah. Sorry, Brian. Good. Thanks. No. That's all good. Now next thing is just your risk profile. I know we've gone through this a couple of times, So I won't get you to go through all the questions again. But has anything when it comes to your risk tolerance fluctuations to the market, your views on anything changed, or is it all roughly the same as last year when we went through everything? Yeah. It'd be over fine. Okay.","start_word":1078,"end_word":1319,"sentiment":"neutral","sentiment_score":-0.01616671122610569},{"text":"Perfect.","start_word":1320,"end_word":1320,"sentiment":"positive","sentiment_score":0.3398992121219635},{"text":"And just as a bit of a recap for you, we do currently have you invested in your growth portfolio. And, basically, that is for for investors investing while you still have plenty of time. Comfortable with a bit of short term fluctuations in order to get there. And when we are looking at an asset allocation point of view, we see about that eighty twenty split. So about the 80% to your growth investment, which is, like, your international shares, your Australian shares, property, and commodities, and that is what's going to grow that super for you And about 20% in those defensive, your cash, your gold, your fixed interest limit fluctuations a little bit. Does that all make sense? You still happy Yep. with that? Yep. That Yep.","start_word":1321,"end_word":1450,"sentiment":"neutral","sentiment_score":0.11912641674280168},{"text":"sounds fine. Yep. Beautiful.","start_word":1451,"end_word":1454,"sentiment":"positive","sentiment_score":0.4343169629573822},{"text":"And when we are looking at a time frame, so making sure you have enough time in the market, a typical growth portfolio, we do want to allow around six years until retirement. So making sure you have enough time in the market. And if you are still kind of planning and accessing super at about 60, you do have that that time frame behind you still at the moment. Yeah. It's probably gonna be a bit lighter now, having a Yeah. 18 old. But yeah. It's probably Yeah. gonna keep me in When the workforce a bit longer. oh, yeah. When when if you were to estimate, would you say, like, '65, '67? Yeah. When Look. do you think I'll you be happy with 65 as my tag were? my 60 new my five. new target. Yep. No. I totally understand. Obviously, a bit of bit of extra expenses there. Yeah. Now email wise, if you can access that for me, that would be great. And we have all the changes software, so it might look a little bit different to what you are used to. It is still all digitally, though. It is just a slightly different software. Okay. So let me know if that came But through that okay. can't through locate. Signature request. Yes, please. So if you click on that one, it will allow you to open up and view all the documents first before it prompts you to sign anything. Let me know what you can see when you open it. Yes. It's a tell document. Yep. So is that your super insurance summary? Or what can you No. see? That's the oh. Sorry. Let's get back to the top. Certificate certificate of currency. Okay.","start_word":1455,"end_word":1745,"sentiment":"neutral","sentiment_score":0.04953625329683736},{"text":"Perfect.","start_word":1746,"end_word":1746,"sentiment":"positive","sentiment_score":0.4454127848148346},{"text":"Oh, next option. So was there any design with that one? No. No. So the tile document, it just breaks down your insurances in a little bit more detail. Yep. I can So see it that. basic, yeah, Hang on. so It's it basically not. lets you know it's all kind of paid and up to date. Now when it comes to the insurances, you can see here that you have your life, and that's about a million dollars if something were to happen to you, and then also that total permanent disability insurance, of about 250,000. Now Yep. with your life and PPD, has any of that changed in terms of how much cover you feel like is sufficient to meet your goals, or do you think that's still kind of pretty good for what you are after? Yeah. That's still that's still okay. Yep. Yeah. I mean, it would still pay out, obviously, for your life.","start_word":1747,"end_word":1904,"sentiment":"neutral","sentiment_score":0.05579341948032379},{"text":"It would still pay out the mortgage if something ever were to happen on both properties as well, which which is good.","start_word":1905,"end_word":1926,"sentiment":"positive","sentiment_score":0.35146230459213257},{"text":"And, obviously, a little bit of extra as well. And for the TPD, it will help, obviously, cover a bit of it if need be. Obviously, being an investment property, if something were to happen, you'd still probably get income from those unless, obviously, anything changed and you decided to move into them.","start_word":1927,"end_word":1979,"sentiment":"neutral","sentiment_score":0.25982367992401123},{"text":"So it still kind of gives you a good good amount there for you.","start_word":1980,"end_word":1993,"sentiment":"positive","sentiment_score":0.476335883140564},{"text":"Now with your income protection as well, you do have an income protection which will pay you a monthly amount of $4,841 per month.","start_word":1994,"end_word":2017,"sentiment":"neutral","sentiment_score":0.203916534781456},{"text":"You do have a ninety day waiting period and a two year benefit period. Everything is paid and structured from within superannuation.","start_word":2018,"end_word":2039,"sentiment":"positive","sentiment_score":0.3951953053474426},{"text":"So you don't have to pay for anything out of pocket for those. Any questions when it comes to your insurances at all there? No. All good.","start_word":2040,"end_word":2066,"sentiment":"neutral","sentiment_score":0.20314179360866547},{"text":"All good.","start_word":2067,"end_word":2068,"sentiment":"positive","sentiment_score":0.3465104103088379},{"text":"No.","start_word":2069,"end_word":2069,"sentiment":"neutral","sentiment_score":0.16565199196338654},{"text":"All good. Perfect.","start_word":2070,"end_word":2072,"sentiment":"positive","sentiment_score":0.4111193120479584},{"text":"Now I've just when got it the come sorry. Was there anything to sign on what you were talking about there? No. No. Okay. Right. Yep. Yep. Yep. Nothing yet. The only one I've got the next one I've got in front of me is the consent on new ongoing fee arrangement with hub twenty four. Okay. You didn't get any other documents? Is that your next one? Yeah. There might be other ones on there. Okay. Let me have I a look don't really because know sometimes how to go back. no. That's all good. Everything will be saved for you afterwards if you wanted to go back. If not, I can always get them emailed to you if you wanted It to go and I have was a going have through a look. them and it was saying next next, but now it says click to start. I'm not sure what that Let me have a look here. No. The the one the next one is the one to sign, but it might they may have skipped a couple of documents. But the one to sign is the one that you're on at the moment. And what I can do Okay. is if it's a bit of a glitch in the system, I can always get their team. So when they send you the beneficiary form for your insurances for Alex, I can just get them to attach the documents that way again to make it easier if you did want us to just have a quick review of them. Because, yeah, Mhmm. Yeah. sometimes That'd the be software good. has a has a bit of Yep. a glitch, so I will just get them to include that. But, basically, when you do have them, sorry, the one in between was also just showing you your superannuation balance. Now at the moment, obviously, you have your super in Hub 24, and your super balance as of today is $348,954. Sorry. Now What was that you figure will again? 348 Oh, yep. thousand Yep. Yep. 900 Yep. Yep. and 50 Yep. 4. Yep. Now when it comes to your portfolio as well, so with your investments, so the last twelve months have seen a bit of fluctuations in the market, which I'm sure you've heard on the news and everything in the last twelve months have been a little bit turbulent. Obviously, Yes. everything in the in The US with Trump and tariffs and everything, so this fluctuation, and, hopefully, more recently with the war as well, have seen a little bit of fluctuation. So the last twelve months, like I said, have been a little bit up and down, and there's been a little bit mixed result in the the market with the investments.","start_word":2073,"end_word":2538,"sentiment":"neutral","sentiment_score":-0.03149092821364367},{"text":"So the good thing is that your investments are still very diversified and tailored for that long term growth, and most of your investments have done pretty good.","start_word":2539,"end_word":2566,"sentiment":"positive","sentiment_score":0.5958153605461121},{"text":"There is one investment that I would like to do a little bit more research on for you and look at changing, which is your Benelung Australian equity investment. The reason I do wanna kind of deep dive and look at changing that one a little bit is that it is slightly underperforming at the moment. Now not always when things are down do we wanna look at changing because you also don't wanna sell when the prices are down. But at the same time, we wanna be proactive. And if we because we do research on the investments all the time. And if we foresee that one is underperforming a little bit and a little bit slower and we don't think it's going to come back around as much or be the best option for you moving forward, then we want to make sure we are proactive with those decisions for you. Absolutely. So if That you makes are sense. yeah.","start_word":2567,"end_word":2728,"sentiment":"neutral","sentiment_score":-0.037739723920822144},{"text":"So if you're happy for me to do so, what I would like to do after today is just to kind of go and deep down into your investments a little bit more there for you to see if we need to make any any changes.","start_word":2729,"end_word":2774,"sentiment":"positive","sentiment_score":0.4595275819301605},{"text":"Yep. It will take me about a week or so to put all of that Come together. on, Veronica.","start_word":2775,"end_word":2793,"sentiment":"neutral","sentiment_score":0.13781991600990295},{"text":"You're better than that.","start_word":2794,"end_word":2797,"sentiment":"positive","sentiment_score":0.4446874260902405},{"text":"Hey. It's not That's just fine. me. It's my my ring surgeon team as I well. don't blame it on others. No. That's fine. I understand. That's fine. Yeah. Now let me have a look here. Next week is filling up pretty quickly, but do you have any availability on Wednesday or Thursday next week? Yeah. Same time next Thursday is probably pretty Six good. times. Alright. Let me have a look. Yeah. Through yep. That will work. Actually, could you do one hour earlier or no? Yeah. Yeah. No. That's okay. Yeah. Okay. Just sorry. Because I do have another appointment. Sorry. That will be 01:00 next Thursday, the eighteenth. Would you like a reminder text in twelve Yes, please. two hours before? Yes.","start_word":2798,"end_word":2922,"sentiment":"neutral","sentiment_score":0.03133038431406021},{"text":"Perfect.","start_word":2923,"end_word":2923,"sentiment":"positive","sentiment_score":0.43343406915664673},{"text":"If anything does change and you can't make the appointment, just let me know, and I can always get that shuffled for you. Wouldn't be a problem. Yep.","start_word":2924,"end_word":2951,"sentiment":"neutral","sentiment_score":0.1876295655965805},{"text":"Perfect.","start_word":2952,"end_word":2952,"sentiment":"positive","sentiment_score":0.5064677000045776},{"text":"Now the other document that you will get in the email afterwards as well is just an updated financial services guide. You would have seen this one before. It is one of those compliance documents, but it does give you all the important information regarding us here for you. None of the important information has changed. It's all the same.","start_word":2953,"end_word":3012,"sentiment":"neutral","sentiment_score":0.24047629535198212},{"text":"But we've had a bit of an update through, to marketing, which is good.","start_word":3013,"end_word":3026,"sentiment":"positive","sentiment_score":0.39669013023376465},{"text":"So you will have a look and see that we've had a bit of updated photos, a bit of an extension through the team. If you do have a look through it, again, you will see me on page nine if you do wanna put a face to the voice again.","start_word":3027,"end_word":3077,"sentiment":"neutral","sentiment_score":0.18712502455010133},{"text":"Cool. Yep. Now the the one document there that it will ask you to sign if you are happy to do so is that ongoing service agreement. And that is just to say that you are happy to stay on as the client.","start_word":3078,"end_word":3120,"sentiment":"positive","sentiment_score":0.5678238868713379},{"text":"Now there is no changes whatsoever in regards to the fee structure. So that stays exactly the same at 1.65 from super. No changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.","start_word":3121,"end_word":3174,"sentiment":"neutral","sentiment_score":0.11990819871425629},{"text":"But by signing this, it'll allows us to manage your account, your investments, and everything for you in the meantime.","start_word":3175,"end_word":3194,"sentiment":"positive","sentiment_score":0.4515076279640198},{"text":"Does that all make sense? Yeah. Actually, can you go just Yeah. backtrack on that on that fee Yeah. structure? Yes. Can you explain that a little bit more? How how how do you how do I pay you guys and how do where does that Mhmm. come from and how does all that work again? Yes. So the fee structure comes straight from Super. So you don't obviously pay for anything out of pocket. It Right. is calculated usually on an annual basis, but it is deducted from your account on a monthly basis. The reason we do Yep. it a monthly is because it's a bit more fair to you with market fluctuations. Because if we were to charge it's just a flat at 1.65%. And if we were to charge that at the time, let's say, a a once off during the year and the market's up a lot, then, obviously, we would take out more money from your account. But, obviously, on the flip side, if the market's down, it would be less. So charging it monthly for you Yep. just kind I of still smooths understand that that. out, Yep. yeah, with the And fluctuations that's one in point the six market. percent. Gary? What? 1.65, 1.65% of what? Your super balance. My super balance. Okay. Rhino. Correct. Yep. Does that make sense? Yes. Yes. Yes. It does. Yeah. Yeah. Do you have any questions in regards to the fee structure? No. No. No. No. No. No. I just wanted Nope. to confirm Nope. all that, and that's that's that's I Yes. wasn't sure exactly sure how it how it was calculated, How but that it that is. answers that. Yeah. Yep.","start_word":3195,"end_word":3481,"sentiment":"neutral","sentiment_score":0.01787886176686669},{"text":"And the good thing as well with it being monthly, like I said, is that it's not a lock in contract.","start_word":3482,"end_word":3502,"sentiment":"positive","sentiment_score":0.42505326867103577},{"text":"So like I said, if at any point in time you're not happy, it's not like a one off fee that gets deducted and that's it.","start_word":3503,"end_word":3528,"sentiment":"neutral","sentiment_score":0.3169749081134796},{"text":"It is just to to make things more even for you.","start_word":3529,"end_word":3539,"sentiment":"positive","sentiment_score":0.5472272634506226},{"text":"Now in the research paper with your investments, I will outline it again for you because it does show, like, all the fees with your hub twenty four adviser fees insurances and then also the return on your investments. And then if I do make a recommendation on changing anything for you, what that would look like as well. So you'll have that full document outlined as well next Thursday when we go through everything. Okay.","start_word":3540,"end_word":3615,"sentiment":"neutral","sentiment_score":0.2642648220062256},{"text":"Cool. Yep. Perfect.","start_word":3616,"end_word":3618,"sentiment":"positive","sentiment_score":0.40458619594573975},{"text":"So, yeah, basically, from here, if you are happy to do so, it will just ask for that one signature. I think that is the only one, or there might be one after that one for you. Okay. No worries. Yep. Perfect. You got any quick When I I can email you, can't I? yes. Of course. You can. Yeah. Yes. Okay. You can Yeah. No worries. always If I yep. go in queries there, So I'll just email you, but it should be pretty straightforward. yes. Exactly. If you have any question at any point in time, don't hesitate to email me. If you think of anything as well, though, you can always just ask me next Thursday when I go through the research on your investment as well. Yep.","start_word":3619,"end_word":3749,"sentiment":"neutral","sentiment_score":0.18035711348056793},{"text":"Beautiful.","start_word":3750,"end_word":3750,"sentiment":"positive","sentiment_score":0.6103402972221375},{"text":"Well, do you have any other questions for me today so far otherwise? Yep. No. I reckon that's that's No. pretty good. Yep.","start_word":3751,"end_word":3773,"sentiment":"neutral","sentiment_score":-0.015959329903125763},{"text":"Perfect. Well, thank you so much for your time today, and I look forward to speaking with you more next Thursday, the eighteenth at 01:00 and going through those investments a little bit more detail there for you. Thanks very much for calling Veronica. No problem. We'll speak next week.","start_word":3774,"end_word":3823,"sentiment":"positive","sentiment_score":0.655367374420166},{"text":"Okay. Bye. Okay. Bye.","start_word":3824,"end_word":3827,"sentiment":"neutral","sentiment_score":0.18024714291095736}],"average":{"sentiment":"neutral","sentiment_score":0.08424913308596739}}}}