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Were you a bit busy? Okay. Perfect. Now just before I do go any further, I'd just like to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. And how's your day been? Been busy? Yeah. Well, I will try not to keep you for too long. Now if you are driving at the moment, what I have done is I have sent you an email with some documents. Now if you're happy for me to do so, I will just kind of run through them with you. And then when you do have a bit of a moment later, have a look through them. And if you didn't have any questions, just let me know. Is that okay? Yeah. Great. Perfect. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going? Yep. Yeah. Perfect. Now what I'll do first, Matthew, is just run through a bit of an updated fact find with you just to see if there is anything major that has changed in your life, which means we might have to make some changes to your advice. So just bear with me as I kind of go through this here. Now when it comes to your personal details, I have you down here as single with no financial dependent. Is that correct? Perfect. I do have here next up Ken, your brother Michael nominated. Is that still the case as well? Perfect. I have his phone number ending in 485. That hasn't changed? No. Perfect. Occupation wise, still truck driving. No changes there? Yep. Perfect. Perfect. Income wise, I think last time we spoke, you were not super sure if it was between $1.40 and $1.60. Do you know roughly what it's at at the moment? Perfect. And what do you think roughly the total income for the about one sixty? Yeah. Okay. Perfect. And do you kind of get, like, overtime and stuff like that when you do longer longer shifts or anything? So that's why I kinda fluctuate a little bit. Yeah. Yeah. And do you know as well you get employer contribution on, like, your full income, so the one sixty if that's where it kind of ends up this this year? Or do you have a so some employers will do, like, base income. So you have a base income. And then if you earn, like, overtime or bonuses and stuff on top of that, sometimes the bonuses do get contributions to superannuation, not always overtime. Some pay on everything. Okay. Yep. If if it does vary like that, then then yes. Alright. Perfect. And aside from, like, the standard contributions from your employer, you're not making any additional contributions. Does that stand standard? Great. Asset wise, I have here your property was last valued at about $8.50. Do you know if that's roughly the case, or has that gone up a little bit? 900. Perfect. I have mortgage about $4.80. That's perfect. About house and contents of about 50,000. Yeah. Two cars, about 60,000. Perfect. Caravan, 15. Perfect. Boat 10 and ex excavator 30. That's still roughly the same? Perfect. Any new assets otherwise in the last twelve months? Not easy. Any liabilities, like personal loans, credit cards, pay? Not perfect. Now health and lifestyle wise, I'd have you down here as a nonsmoker. Is that still the case? Perfect. And any changes to, like, medications or health issues or injuries or anything? Just the same? Yep. Perfect. When it comes to estate planning, do you have a will in place, Matthew? No. No, like, power of attorney or anyone who makes any financial decisions on your behalf? K. Perfect. And are you politically exposed or earn an income overseas at all? No. Perfect. Now I can see here as well that we do have your beneficiary forms outstanding on your superannuation. So in the event that something were to happen to you, someone that you would like to nominate. Did you receive those in the post at all? No. That's okay. Do you have any questions in regards to them or who you would like to nominate and how that would work? It depends on who you want to nominate. So with superannuation, they are quite strict on the legislation of who you can nominate directly, so, like, without a will. So the the only people that you can nominate directly without a will would be a spouse, a child, a financial dependent, or someone who's in a interdependent relationship with you. So that would basically mean someone that has to rely on you financially at the time of your passing, and you kind of need to live together and have you know, provide financial support or stuff like that. If that yeah. So for you, which is the case for a lot of people, where you might wanna give it through, like, a mother or father or a sibling or nephew or niece and a cousin, anyone or friend. The way you can still you can still give it to them very much. The only way would be through the will. That is correct. So on the superannuation form, you would just select that legal personal representative, which then basically means it regards to the will. Yes. That is correct. So it's a little bit more of of a hassle, but at least that way, if something ever were to happen, there is a nomination in place. So whoever you would like to receive your superannuation, will get it and also streamline it so there's not anyone else who's trying to, you know, trying to make a claim for anything as well. So, obviously, when you have a moment and the most comprehensive way is obviously getting a will through a lawyer, but I also understand that sometimes money and if it's straightforward estate, people not always want to do that. So you can definitely do just the will kit through the post office. That's perfectly fine. The only thing with that is just obviously making sure you read the instructions carefully and let someone know where you keep a copy. You can always email it to me as well, and I can always keep a copy on file because we obviously have all your other information. So if something ever were to happen, we would have it secure on file for you as well. So when you have a moment, have a kind of a a think about it and decide what you would like to do. Would you like us to repost them to you, or do you have it somewhere? Yeah. No. That's okay. And do you have access to a printer, or do you prefer post? Post is easy? No. That's okay. I'll get the team to include the return envelope as well for you to make it easy. So, yeah, just let us know how you go with that. Now when it yes. So you would basically say that you want it to go through the will. So on the form and I can get if you would like, I can get the team to prefill it for you, so you just have to sign it, is that we would select legal personal representative. So that would be your nomination, would mean basically your will. Would you like us to prefill that for you? Yeah. Yes. You can There are some online ones you can do as well, but I would just be really careful because some of them as well have different kind of terms and conditions and stuff like that. So, typically, I would say the will kit is pretty good if you obviously don't wanna do it through a lawyer. They are they are fairly affordable as well. And, yeah, you can get them from any post office typically. So that is the easiest way to do it. Like I said, some people do have, like, the online ones. I would just be a little bit careful of which one and reading the fine print if you do decide to do that. But, yeah, otherwise, post office would be a good option. Would you like, yeah, prefill it to make it easy? Now there are two tick boxes as well that we can prefill for you, and that is depending on the type of nomination. So you can have a binding and a nonbinding option. Basically, binding means that the trustee of your superannuation are bound to follow your wishes, which is the most certain option, or you can have a nonbinding, which is basically means that this is what you would like to have happen, but, ultimately, it's up to the trustee to decide what they want and not us then. Which one would you prefer? Yep. Binding. Perfect. Correct. And that is, I would say, what 99% of people choose because you want that certainty. Not all superannuation funds offer it, but if they do, yeah, typically binding is, yeah, your more certain option. So it will tick that for you. You then also have a lapsing and a non lapsing option. So a lapsing means that it expires every three years, and you have to recomplete the form. Non lapsing means that you just completed once, and it stays in place until you decide to change it. Just once? Yeah. That's what most people say as well. With the will, it it's easier because if anything change, you can just update the will. You never have to change the score. It's the only kind of thing sometimes is if you if you don't if you, let's say, nominate a partner or something and you leave it and you never update it and circumstances change, that's the only thing to remind you of. But if you're doing it well, it's pretty easy. That way, you can update the will whenever you want to, and you don't have to go through and update this form again. So we'll do the non lapsing and finding for you. I'll get the team to prefill that and email it post it out to you to make it nice and easy. Now, otherwise, Matthew, I guess, when it comes to kind of goals and stuff that you're working on or wanting to achieve in the next couple of years, last time we kind of touched base, you were mainly focusing on building a shed and kind of focusing on paying down the mortgage as much as possible. Is that still kind of a focus point for you, or did you end up building the shed? Yeah. So is that kind of something in the next couple of years you would like to ideally get to? Yes. Yeah. Perfect. Otherwise, when it comes to superannuation, I have ideally, you'd love to retire at the age of 60 and have an ideal income of about $1,000 per week from super. Do you think that's still the goals? Yep. Perfect. Now next thing I do quickly wanna run through, Matthew, is just a couple of multiple choice questions to make it nice and easy. And the purpose behind that is just to see if we need to make any changes to your portfolio within your superannuation. So there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Perfect. Now have you ever bought direct shares yourself? A shares, like, on the stock market or anything like that? No. No. Perfect. Next question is in regards to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to tryna, you know, make sure that you stay on top of, you know, the increasing prices and stuff when it comes to thinking about your superannuation? Would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk? Okay. What's happened? Yep. Yeah. Yep. Yeah. Sorry. And that's definitely valid. And I have in the reports I have sent you, I have gone over. It will outline all of that, but I'll also explain it all to you how the portfolio has gone in the last twelve months. So these are kind of it's a bit tricky because I understand it's very, like, hypothetical, and it depends on the situation. So if you are just kind of thinking about the the concept of it, not so much a dollar figure. So if everything goes well and long term, it continues to grow. So, obviously, the risk and the growth comes kind of hand in hand that often you have to take some level of risk in order to get the the growth long term. But, obviously, you don't want too much fluctuations either. So it's also what you are comfortable with just to assess in terms of the allocation of the proportion to which type of investment. So if you are kind of just thinking and this is this is just to get gauge how you are feeling about it, not necessarily making any change. So if you just think about it, if everything in the long term is going okay, would you be comfortable seeing short term fluctuations? So in, like, a twelve month or a six month period, you would see a bit of those fluctuation if we when we are looking more like a three five long term, it's gone up a bit. Would you be willing to take on a bit of short term fluctuation? Okay. Okay. Yeah. Yeah. Yep. It's tricky. Yep. Yep. Yes. Yeah. And it's very much so. A lot of it also comes down to behavioral with different clients. So we can obviously look at it from, okay. Well, what time frames do you have? How much time do you have to take on? What are your goals? But then I can also have because it's very much tailored to individual clients. So I can have, I could have another client that's, you know, exactly similar to you, same age and everything, but they are very hesitant and very nervous when it comes to fluctuations. So in that instance, you might not, you know, put them in in the same category when it comes to level of fluctuation because it's also a bit of a behavioral. So that's where these kind of questions come in to gauge how comfortable you are. But if you does that make sense? It's a bit it's a bit tricky. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. For insurance. Yep. Yep. Yep. And it actually has given. So I'll just kind of leave this for now, assuming your your concept behind risk stays the same if we then jump through your investment returns. So in in the documents, when you do have a look through them, you will see a couple of attachments first. So we have recently changed the software. So when you click on the the email, before you click on the link where it says sign now, you will have a range of different attachments. Now these are just there for your reference. You don't need to sign them. One of those documents is a twelve month performance report, which is exactly what you are asking, which is asking how the portfolio has performed in the last twelve months. Now the last twelve months have been, obviously, quite volatile and seen a bit of fluctuations. You have obviously everything going over in The US, and you had Trump and tariffs and everything, and, obviously, more recently, everything with the war. So there's been a bit of a, you know, tricky twelve months. In saying that, though, your portfolio overall have done pretty good. So in the last twelve months, now this is net of all fees. It would have been just at the beginning of the call today with you. So Like fifteen minutes ago? Yeah. Yes. Yeah. Perfect. Yeah. So at the at the bottom of the email so before you click on the link, if you just open the email and scroll down, you should see a couple of PDF attachments. And there should be one, two, three, four, five. Should be about five. It didn't have any attachments to the email? Yeah. And that's it says it came from myself, Veronica, or was that a newsletter you were looking at? Because that sounded like yeah. Because it sounded like one of the newsletters. Let me see. If not, I can see if I can try to resend it for you. Yeah. Perfect. So, yes, can you see couple of attachments before you click on the link where it says sign now? Yep. Yep. Yep. And then that's the one. If you wanna open this one, this one shows your portfolio. Yes. Now this one here shows everything return wise net of fee. So after advice fees, after administration platform fees, all of it, net of fees. Now this shows you a twelve month period. And during that twelve month period, your portfolio, despite the fluctuations we have had in the last twelve months, have still gone up by 12.28%, which is which is pretty good in, you know, everything that has happened in the last twelve months. So quite happy with that outcome from a purse twelve 12.28. Yep. Yep. So that's in the super summary, but I can open it for you. You can have a look at it later if you would like. But your hub twenty four account right now is at 176,680 and 8¢. Yeah. Let me have a look. It's actually in that report you are in right now. So at the start of sorry. The the 04/09/2025, the starting balance was a 145,103 and 66¢. Let me I can calculate it for you. Sorry. It went from so now it's a $176.06 80 and 8¢ and starting at $248.66. That is up by after fees, so up by 31,576. And with your portfolio as well, because, obviously, things are always involving. It's always changing. And we do a lot of research on the different investments because what we obviously recommended when you came on board has done really has done pretty good for you, but it doesn't mean it's always going to be the case. So things are always changing. So we've we've done a lot of analysis and investment research on the different investments. And there is one particular investment that I would like to do a bit more research to potentially swap out for you, which is your Benelong Australian equity. The reason I do wanna look at swapping that if you are comfortable with it is that when you came on board, it was one of the best performing fund managers that were doing really well. This one is a little bit more expensive because it has your active management. So what I mean by that is that they are a managed fund trying to actively buy and sell different investments in order to kinda outperform the market. Like I said, they had done really well. More recently, not so much. They've kind of underperformed a little bit lately. There's been a few factors of why they have kind of underperformed. Some of it is there. They've been a little bit slower in making the choices. Also, some of the selections they have made haven't turned out. But then also one of the investments that they had in their portfolio was the corporate travel group, which had a bit of issues with reporting, which meant that they were suspended from trading. So all in all, we would like to look at swapping this for something that's doing a little bit better for you moving forward. So are you happy for me to kind of do a bit more than in-depth on the investments to see if we can, you know, find some better options for you? Yep. Great. Now it will take me about seven days or so to do that. Now when is the best time for me to kind of present all the research and the recommendation for you? If we look at either the end of next week or the following week, when is typically better for you? Okay. Perfect. Let me have a look. Sorry about that 04:30 mark. Let me have a look here. Most of my 04:30 is booked out next week. I could do a 04:30 at Thursday, April 23. Would that work for you? Yep. Okay. Perfect. Now that will kind of have a bit more in-depth with the investments, a bit of an updated projections, and how things are tracking and going for you as well. And and part of the research, I do wanted to check as well if you are open for me to research the SMA concept or whether that is not something you would like. So I'm not sure if you've read some of the newsletters recently. No. That's okay. Most people say the same. Essentially, what we what we have done is we have teamed up with BlackRock, which you may have heard of. They are one of the biggest fund managers in the world, but we've teamed up with them to create something that's called an SMA. So it's a self managed account. Basically, how that works, it still loads investments and everything like that. The concept is a little bit different to how you are currently set up, which your current setup would be more what we would call, like, your model portfolio where you can obviously when you go into your hub 24, you can see each and every single one of your investments. Now if we wanna make a change, so if, for example, now we we look at Van Alung and we go, oh, there might be some better option, we would obviously go and do all the research for you. I would have to present everything in your statement of advice, which is what we are doing in a few weeks. You would read over it. I have to approve and sign it before I can make a change. So it gives you kind of full transparency in making a change. The downside is that it takes obviously a lot longer to do it. Sometimes with investments, you obviously want to make decisions as quickly as possible before things change. So the concept of the SMA and why we have started that as well is that with the SMA is you invest in a portfolio. In the portfolio, you still have a range of different individual investments similar to what you have now. But how it works is that if, for example, we see that we do wanna swap out Benelon, we can do that in the back end quickly for you. You don't have to approve or change anything. We can do that because you invest in the SMA. The only thing is we would go and do those changes for you as long as it's going to put you in a better position, and you don't have to go through the s m the SOA process. Some clients think it's great because that means we can be a bit more proactive and do it quicker, whereas some clients do prefer that it's okay for it to take a bit longer because you want that full you would like to decide off the changes before we make them. So it's ultimately what you are comfortable with, and if that is something that you're open for me to research as part of it if it's going to put in a better position or whether you don't like that at all. Okay. So whatever is kind of, like, the cheapest and puts the best return, you don't really mind. Okay. Perfect. I will research it, and then whichever option and we have a lot of other options as well. Whichever one is going to give you the most at the end of it, I will recommend, and then you can still obviously decide from there what you would like to do. Yes. Great. Perfect. Now the last couple of things there, Matthew, for you is we've already gone through your super balance. You have the services guide like you kind of touched on. They're just some updated updated for you. It's one of those compliance documents. You can have a read over in your own time. We've had a bit of an extension to the team, a bit of a revamp of marketing. It's all in there for you to have a bit of a read over. You will also have your Vanguard index chart similar to last year, just a bit of an updated version. It's a good visual representation of what kind of happened in, you know, the market historically looking at things. And I do wanna just triple check as well that you are still comfortable in a growth portfolio, which is how you are currently invested. So in terms of lack of risk and level of fluctuation, are you comfortable with with the growth? You're just looking at changing your investments a little bit? Yeah. The growth's good. Great. Perfect. Now the last thing is that when you have a look through if you click on the link when you have a moment, it will ask you to sign through documents. Now those two documents is an ongoing service agreement, and that's just to say that you are happy to stay on as a client. There is no changes to the fees at all. It stays exactly the same at 1.65 from superannuation, and there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract. But by finding that, allows us to stay on your account and service you in the meantime. And the last one is a tax file number opt in form just from a compliance point to say that we are keeping your tax file number secure on file. Do you have any questions in regards to any of that? Mhmm. Yep. Perfect. Correct. That's it. Yep. Just with hub 24. And then once you've added the signature, I think it says set complete or something like that, it will then send it back to me, and I can load it to make sure that all came through. No. It's a it's a victory. That's okay. You can take your time. I think it sometimes ask you to draw a signature too, which can be a little bit tricky. Would you like a reminder text sent, like, two hours or so before the appointment on the twenty third in case anything changes for you? Yes. Okay. Perfect. Is that going okay? Are you having any issues? Yeah. Sometimes when you add the signature, it automatically adds the date when you've done the signature. But maybe sometimes it's also which fine and stuff you use. Yep. That typically does it. Yep. Perfect. I have seen that come through as well. Now it's also there if you do wanna download it on your end. We always keep a copy on file if you ever wanna request any documents as well. That's all come through. I will get the team to repost the beneficiary form for you as well and have it prefilled. Before I do let you go, I do wanna just quickly confirm as well. I know you mentioned that you don't have any insurances at the moment, And I know that when you obviously came on board, a lot of insurance with truck drivers are not favorable when it comes through to risk and stuff like that. Are you still happy to not have insurances, or what are your thoughts on insurances? Yep. Okay. Perfect. If anything does change, you know, down the track or anything like that, Matthew, just give me a call, and we can always reassess it. Otherwise, I will just focus on your superannuation at the moment just for the investments to see if we wanna swap out that Benelon and have a look at other portfolios just to make sure they're doing the best that it can for you. So that is all booked in on Thursday, April 23. Like I said, if anything changes, you can't make the appointment, just let me know, and we can always get that reshuffled for you. Perfect. Do you have any other questions for me before I let you go this afternoon, Matthew? Matthew? No? That's great. Perfect. Well, thank you so much for your time today, and I look forward to speaking with you on the twenty third. No worries. Speak soon. 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afternoon. Is this Matthew? This is Veronica from ITU Financial. How are you? That's good.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Were you a bit busy? Okay. Perfect.\n\nNow just before I do go any further, I'd just like to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect.\n\nThat's exactly what I have here. And how's your day been? Been busy? Yeah. Well, I will try not to keep you for too long.\n\nNow if you are driving at the moment, what I have done is I have sent you an email with some documents. Now if you're happy for me to do so, I will just kind of run through them with you. And then when you do have a bit of a moment later, have a look through them. And if you didn't have any questions, just let me know. Is that okay?\n\nYeah. Great. Perfect. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going? Yep.\n\nYeah. Perfect. Now what I'll do first, Matthew, is just run through a bit of an updated fact find with you just to see if there is anything major that has changed in your life, which means we might have to make some changes to your advice. So just bear with me as I kind of go through this here. Now when it comes to your personal details, I have you down here as single with no financial dependent.\n\nIs that correct? Perfect. I do have here next up Ken, your brother Michael nominated. Is that still the case as well? Perfect.\n\nI have his phone number ending in 485. That hasn't changed? No. Perfect. Occupation wise, still truck driving.\n\nNo changes there? Yep. Perfect. Perfect. Income wise, I think last time we spoke, you were not super sure if it was between $1.40 and $1.60.\n\nDo you know roughly what it's at at the moment? Perfect. And what do you think roughly the total income for the about one sixty? Yeah. Okay.\n\nPerfect. And do you kind of get, like, overtime and stuff like that when you do longer longer shifts or anything? So that's why I kinda fluctuate a little bit. Yeah. Yeah.\n\nAnd do you know as well you get employer contribution on, like, your full income, so the one sixty if that's where it kind of ends up this this year? Or do you have a so some employers will do, like, base income. So you have a base income. And then if you earn, like, overtime or bonuses and stuff on top of that, sometimes the bonuses do get contributions to superannuation, not always overtime. Some pay on everything.\n\nOkay. Yep. If if it does vary like that, then then yes. Alright. Perfect.\n\nAnd aside from, like, the standard contributions from your employer, you're not making any additional contributions. Does that stand standard? Great. Asset wise, I have here your property was last valued at about $8.50. Do you know if that's roughly the case, or has that gone up a little bit?\n\n900. Perfect. I have mortgage about $4.80. That's perfect. About house and contents of about 50,000.\n\nYeah. Two cars, about 60,000. Perfect. Caravan, 15. Perfect.\n\nBoat 10 and ex excavator 30. That's still roughly the same? Perfect. Any new assets otherwise in the last twelve months? Not easy.\n\nAny liabilities, like personal loans, credit cards, pay? Not perfect. Now health and lifestyle wise, I'd have you down here as a nonsmoker. Is that still the case? Perfect.\n\nAnd any changes to, like, medications or health issues or injuries or anything? Just the same? Yep. Perfect. When it comes to estate planning, do you have a will in place, Matthew?\n\nNo. No, like, power of attorney or anyone who makes any financial decisions on your behalf? K. Perfect. And are you politically exposed or earn an income overseas at all?\n\nNo. Perfect. Now I can see here as well that we do have your beneficiary forms outstanding on your superannuation. So in the event that something were to happen to you, someone that you would like to nominate. Did you receive those in the post at all?\n\nNo. That's okay. Do you have any questions in regards to them or who you would like to nominate and how that would work? It depends on who you want to nominate. So with superannuation, they are quite strict on the legislation of who you can nominate directly, so, like, without a will.\n\nSo the the only people that you can nominate directly without a will would be a spouse, a child, a financial dependent, or someone who's in a interdependent relationship with you. So that would basically mean someone that has to rely on you financially at the time of your passing, and you kind of need to live together and have you know, provide financial support or stuff like that. If that yeah. So for you, which is the case for a lot of people, where you might wanna give it through, like, a mother or father or a sibling or nephew or niece and a cousin, anyone or friend. The way you can still you can still give it to them very much.\n\nThe only way would be through the will. That is correct. So on the superannuation form, you would just select that legal personal representative, which then basically means it regards to the will. Yes. That is correct.\n\nSo it's a little bit more of of a hassle, but at least that way, if something ever were to happen, there is a nomination in place. So whoever you would like to receive your superannuation, will get it and also streamline it so there's not anyone else who's trying to, you know, trying to make a claim for anything as well. So, obviously, when you have a moment and the most comprehensive way is obviously getting a will through a lawyer, but I also understand that sometimes money and if it's straightforward estate, people not always want to do that. So you can definitely do just the will kit through the post office. That's perfectly fine.\n\nThe only thing with that is just obviously making sure you read the instructions carefully and let someone know where you keep a copy. You can always email it to me as well, and I can always keep a copy on file because we obviously have all your other information. So if something ever were to happen, we would have it secure on file for you as well. So when you have a moment, have a kind of a a think about it and decide what you would like to do. Would you like us to repost them to you, or do you have it somewhere?\n\nYeah. No. That's okay. And do you have access to a printer, or do you prefer post? Post is easy?\n\nNo. That's okay. I'll get the team to include the return envelope as well for you to make it easy. So, yeah, just let us know how you go with that. Now when it yes.\n\nSo you would basically say that you want it to go through the will. So on the form and I can get if you would like, I can get the team to prefill it for you, so you just have to sign it, is that we would select legal personal representative. So that would be your nomination, would mean basically your will. Would you like us to prefill that for you? Yeah.\n\nYes. You can There are some online ones you can do as well, but I would just be really careful because some of them as well have different kind of terms and conditions and stuff like that. So, typically, I would say the will kit is pretty good if you obviously don't wanna do it through a lawyer. They are they are fairly affordable as well. And, yeah, you can get them from any post office typically.\n\nSo that is the easiest way to do it. Like I said, some people do have, like, the online ones. I would just be a little bit careful of which one and reading the fine print if you do decide to do that. But, yeah, otherwise, post office would be a good option. Would you like, yeah, prefill it to make it easy?\n\nNow there are two tick boxes as well that we can prefill for you, and that is depending on the type of nomination. So you can have a binding and a nonbinding option. Basically, binding means that the trustee of your superannuation are bound to follow your wishes, which is the most certain option, or you can have a nonbinding, which is basically means that this is what you would like to have happen, but, ultimately, it's up to the trustee to decide what they want and not us then. Which one would you prefer? Yep.\n\nBinding. Perfect. Correct. And that is, I would say, what 99% of people choose because you want that certainty. Not all superannuation funds offer it, but if they do, yeah, typically binding is, yeah, your more certain option.\n\nSo it will tick that for you. You then also have a lapsing and a non lapsing option. So a lapsing means that it expires every three years, and you have to recomplete the form. Non lapsing means that you just completed once, and it stays in place until you decide to change it. Just once?\n\nYeah. That's what most people say as well. With the will, it it's easier because if anything change, you can just update the will. You never have to change the score. It's the only kind of thing sometimes is if you if you don't if you, let's say, nominate a partner or something and you leave it and you never update it and circumstances change, that's the only thing to remind you of.\n\nBut if you're doing it well, it's pretty easy. That way, you can update the will whenever you want to, and you don't have to go through and update this form again. So we'll do the non lapsing and finding for you. I'll get the team to prefill that and email it post it out to you to make it nice and easy. Now, otherwise, Matthew, I guess, when it comes to kind of goals and stuff that you're working on or wanting to achieve in the next couple of years, last time we kind of touched base, you were mainly focusing on building a shed and kind of focusing on paying down the mortgage as much as possible.\n\nIs that still kind of a focus point for you, or did you end up building the shed? Yeah. So is that kind of something in the next couple of years you would like to ideally get to? Yes. Yeah.\n\nPerfect. Otherwise, when it comes to superannuation, I have ideally, you'd love to retire at the age of 60 and have an ideal income of about $1,000 per week from super. Do you think that's still the goals? Yep. Perfect.\n\nNow next thing I do quickly wanna run through, Matthew, is just a couple of multiple choice questions to make it nice and easy. And the purpose behind that is just to see if we need to make any changes to your portfolio within your superannuation. So there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense?\n\nYep. Perfect. Now have you ever bought direct shares yourself? A shares, like, on the stock market or anything like that? No.\n\nNo. Perfect. Next question is in regards to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to tryna, you know, make sure that you stay on top of, you know, the increasing prices and stuff when it comes to thinking about your superannuation?\n\nWould you say that you are willing to accept very high risk, high, moderate, or a small amount of risk? Okay. What's happened? Yep. Yeah.\n\nYep. Yeah. Sorry. And that's definitely valid. And I have in the reports I have sent you, I have gone over.\n\nIt will outline all of that, but I'll also explain it all to you how the portfolio has gone in the last twelve months. So these are kind of it's a bit tricky because I understand it's very, like, hypothetical, and it depends on the situation. So if you are just kind of thinking about the the concept of it, not so much a dollar figure. So if everything goes well and long term, it continues to grow. So, obviously, the risk and the growth comes kind of hand in hand that often you have to take some level of risk in order to get the the growth long term.\n\nBut, obviously, you don't want too much fluctuations either. So it's also what you are comfortable with just to assess in terms of the allocation of the proportion to which type of investment. So if you are kind of just thinking and this is this is just to get gauge how you are feeling about it, not necessarily making any change. So if you just think about it, if everything in the long term is going okay, would you be comfortable seeing short term fluctuations? So in, like, a twelve month or a six month period, you would see a bit of those fluctuation if we when we are looking more like a three five long term, it's gone up a bit.\n\nWould you be willing to take on a bit of short term fluctuation? Okay. Okay. Yeah. Yeah.\n\nYep. It's tricky. Yep. Yep. Yes.\n\nYeah. And it's very much so. A lot of it also comes down to behavioral with different clients. So we can obviously look at it from, okay. Well, what time frames do you have?\n\nHow much time do you have to take on? What are your goals? But then I can also have because it's very much tailored to individual clients. So I can have, I could have another client that's, you know, exactly similar to you, same age and everything, but they are very hesitant and very nervous when it comes to fluctuations. So in that instance, you might not, you know, put them in in the same category when it comes to level of fluctuation because it's also a bit of a behavioral.\n\nSo that's where these kind of questions come in to gauge how comfortable you are. But if you does that make sense? It's a bit it's a bit tricky. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. For insurance. Yep.\n\nYep. Yep. And it actually has given. So I'll just kind of leave this for now, assuming your your concept behind risk stays the same if we then jump through your investment returns. So in in the documents, when you do have a look through them, you will see a couple of attachments first.\n\nSo we have recently changed the software. So when you click on the the email, before you click on the link where it says sign now, you will have a range of different attachments. Now these are just there for your reference. You don't need to sign them. One of those documents is a twelve month performance report, which is exactly what you are asking, which is asking how the portfolio has performed in the last twelve months.\n\nNow the last twelve months have been, obviously, quite volatile and seen a bit of fluctuations. You have obviously everything going over in The US, and you had Trump and tariffs and everything, and, obviously, more recently, everything with the war. So there's been a bit of a, you know, tricky twelve months. In saying that, though, your portfolio overall have done pretty good. So in the last twelve months, now this is net of all fees.\n\nIt would have been just at the beginning of the call today with you. So Like fifteen minutes ago? Yeah. Yes. Yeah.\n\nPerfect. Yeah. So at the at the bottom of the email so before you click on the link, if you just open the email and scroll down, you should see a couple of PDF attachments. And there should be one, two, three, four, five. Should be about five.\n\nIt didn't have any attachments to the email? Yeah. And that's it says it came from myself, Veronica, or was that a newsletter you were looking at? Because that sounded like yeah. Because it sounded like one of the newsletters.\n\nLet me see. If not, I can see if I can try to resend it for you. Yeah. Perfect. So, yes, can you see couple of attachments before you click on the link where it says sign now?\n\nYep. Yep. Yep. And then that's the one. If you wanna open this one, this one shows your portfolio.\n\nYes. Now this one here shows everything return wise net of fee. So after advice fees, after administration platform fees, all of it, net of fees. Now this shows you a twelve month period. And during that twelve month period, your portfolio, despite the fluctuations we have had in the last twelve months, have still gone up by 12.28%, which is which is pretty good in, you know, everything that has happened in the last twelve months.\n\nSo quite happy with that outcome from a purse twelve 12.28. Yep. Yep. So that's in the super summary, but I can open it for you. You can have a look at it later if you would like.\n\nBut your hub twenty four account right now is at 176,680 and 8¢. Yeah. Let me have a look. It's actually in that report you are in right now. So at the start of sorry.\n\nThe the 04/09/2025, the starting balance was a 145,103 and 66¢. Let me I can calculate it for you. Sorry. It went from so now it's a $176.06 80 and 8¢ and starting at $248.66. That is up by after fees, so up by 31,576.\n\nAnd with your portfolio as well, because, obviously, things are always involving. It's always changing. And we do a lot of research on the different investments because what we obviously recommended when you came on board has done really has done pretty good for you, but it doesn't mean it's always going to be the case. So things are always changing. So we've we've done a lot of analysis and investment research on the different investments.\n\nAnd there is one particular investment that I would like to do a bit more research to potentially swap out for you, which is your Benelong Australian equity. The reason I do wanna look at swapping that if you are comfortable with it is that when you came on board, it was one of the best performing fund managers that were doing really well. This one is a little bit more expensive because it has your active management. So what I mean by that is that they are a managed fund trying to actively buy and sell different investments in order to kinda outperform the market. Like I said, they had done really well.\n\nMore recently, not so much. They've kind of underperformed a little bit lately. There's been a few factors of why they have kind of underperformed. Some of it is there. They've been a little bit slower in making the choices.\n\nAlso, some of the selections they have made haven't turned out. But then also one of the investments that they had in their portfolio was the corporate travel group, which had a bit of issues with reporting, which meant that they were suspended from trading. So all in all, we would like to look at swapping this for something that's doing a little bit better for you moving forward. So are you happy for me to kind of do a bit more than in-depth on the investments to see if we can, you know, find some better options for you? Yep.\n\nGreat. Now it will take me about seven days or so to do that. Now when is the best time for me to kind of present all the research and the recommendation for you? If we look at either the end of next week or the following week, when is typically better for you? Okay.\n\nPerfect. Let me have a look. Sorry about that 04:30 mark. Let me have a look here. Most of my 04:30 is booked out next week.\n\nI could do a 04:30 at Thursday, April 23. Would that work for you? Yep. Okay. Perfect.\n\nNow that will kind of have a bit more in-depth with the investments, a bit of an updated projections, and how things are tracking and going for you as well. And and part of the research, I do wanted to check as well if you are open for me to research the SMA concept or whether that is not something you would like. So I'm not sure if you've read some of the newsletters recently. No. That's okay.\n\nMost people say the same. Essentially, what we what we have done is we have teamed up with BlackRock, which you may have heard of. They are one of the biggest fund managers in the world, but we've teamed up with them to create something that's called an SMA. So it's a self managed account. Basically, how that works, it still loads investments and everything like that.\n\nThe concept is a little bit different to how you are currently set up, which your current setup would be more what we would call, like, your model portfolio where you can obviously when you go into your hub 24, you can see each and every single one of your investments. Now if we wanna make a change, so if, for example, now we we look at Van Alung and we go, oh, there might be some better option, we would obviously go and do all the research for you. I would have to present everything in your statement of advice, which is what we are doing in a few weeks. You would read over it. I have to approve and sign it before I can make a change.\n\nSo it gives you kind of full transparency in making a change. The downside is that it takes obviously a lot longer to do it. Sometimes with investments, you obviously want to make decisions as quickly as possible before things change. So the concept of the SMA and why we have started that as well is that with the SMA is you invest in a portfolio. In the portfolio, you still have a range of different individual investments similar to what you have now.\n\nBut how it works is that if, for example, we see that we do wanna swap out Benelon, we can do that in the back end quickly for you. You don't have to approve or change anything. We can do that because you invest in the SMA. The only thing is we would go and do those changes for you as long as it's going to put you in a better position, and you don't have to go through the s m the SOA process. Some clients think it's great because that means we can be a bit more proactive and do it quicker, whereas some clients do prefer that it's okay for it to take a bit longer because you want that full you would like to decide off the changes before we make them.\n\nSo it's ultimately what you are comfortable with, and if that is something that you're open for me to research as part of it if it's going to put in a better position or whether you don't like that at all. Okay. So whatever is kind of, like, the cheapest and puts the best return, you don't really mind. Okay. Perfect.\n\nI will research it, and then whichever option and we have a lot of other options as well. Whichever one is going to give you the most at the end of it, I will recommend, and then you can still obviously decide from there what you would like to do. Yes. Great. Perfect.\n\nNow the last couple of things there, Matthew, for you is we've already gone through your super balance. You have the services guide like you kind of touched on. They're just some updated updated for you. It's one of those compliance documents. You can have a read over in your own time.\n\nWe've had a bit of an extension to the team, a bit of a revamp of marketing. It's all in there for you to have a bit of a read over. You will also have your Vanguard index chart similar to last year, just a bit of an updated version. It's a good visual representation of what kind of happened in, you know, the market historically looking at things. And I do wanna just triple check as well that you are still comfortable in a growth portfolio, which is how you are currently invested.\n\nSo in terms of lack of risk and level of fluctuation, are you comfortable with with the growth? You're just looking at changing your investments a little bit? Yeah. The growth's good. Great.\n\nPerfect. Now the last thing is that when you have a look through if you click on the link when you have a moment, it will ask you to sign through documents. Now those two documents is an ongoing service agreement, and that's just to say that you are happy to stay on as a client. There is no changes to the fees at all. It stays exactly the same at 1.65 from superannuation, and there is no lock in contract.\n\nSo if at any point in time you are not happy, there is no lock in contract. But by finding that, allows us to stay on your account and service you in the meantime. And the last one is a tax file number opt in form just from a compliance point to say that we are keeping your tax file number secure on file. Do you have any questions in regards to any of that? Mhmm.\n\nYep. Perfect. Correct. That's it. Yep.\n\nJust with hub 24. And then once you've added the signature, I think it says set complete or something like that, it will then send it back to me, and I can load it to make sure that all came through. No. It's a it's a victory. That's okay.\n\nYou can take your time. I think it sometimes ask you to draw a signature too, which can be a little bit tricky. Would you like a reminder text sent, like, two hours or so before the appointment on the twenty third in case anything changes for you? Yes. Okay.\n\nPerfect. Is that going okay? Are you having any issues? Yeah. Sometimes when you add the signature, it automatically adds the date when you've done the signature.\n\nBut maybe sometimes it's also which fine and stuff you use. Yep. That typically does it. Yep. Perfect.\n\nI have seen that come through as well. Now it's also there if you do wanna download it on your end. We always keep a copy on file if you ever wanna request any documents as well. That's all come through. I will get the team to repost the beneficiary form for you as well and have it prefilled.\n\nBefore I do let you go, I do wanna just quickly confirm as well. I know you mentioned that you don't have any insurances at the moment, And I know that when you obviously came on board, a lot of insurance with truck drivers are not favorable when it comes through to risk and stuff like that. Are you still happy to not have insurances, or what are your thoughts on insurances? Yep. Okay.\n\nPerfect. If anything does change, you know, down the track or anything like that, Matthew, just give me a call, and we can always reassess it. Otherwise, I will just focus on your superannuation at the moment just for the investments to see if we wanna swap out that Benelon and have a look at other portfolios just to make sure they're doing the best that it can for you. So that is all booked in on Thursday, April 23. Like I said, if anything changes, you can't make the appointment, just let me know, and we can always get that reshuffled for you.\n\nPerfect. Do you have any other questions for me before I let you go this afternoon, Matthew? Matthew? No? That's great.\n\nPerfect. Well, thank you so much for your time today, and I look forward to speaking with you on the twenty third. No worries. Speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.6399999,"end":3.1999998,"sentiment":"positive","sentiment_score":0.33453240990638733},{"text":"Is this Matthew?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.16634478668371835},{"text":"This is Veronica from ITU Financial.","start":5.7599998,"end":7.94,"sentiment":"neutral","sentiment_score":0.13303967068592706},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.1528306851784388},{"text":"That's good.","start":10.719999,"end":11.62,"sentiment":"positive","sentiment_score":0.7683513760566711}],"sentiment":"neutral","sentiment_score":0.24759575072675943,"num_words":16,"start":2.6399999,"end":11.62},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":12.255,"end":14.815001,"sentiment":"positive","sentiment_score":0.44603958184068854},{"text":"Is now still a good time for you?","start":14.815001,"end":16.495,"sentiment":"neutral","sentiment_score":0.3242062032222748},{"text":"Were you a bit busy?","start":16.495,"end":17.635,"sentiment":"neutral","sentiment_score":-0.08451216518878937},{"text":"Okay.","start":23.215,"end":23.715,"sentiment":"neutral","sentiment_score":0.11495548486709596},{"text":"Perfect.","start":24.735,"end":25.235,"sentiment":"positive","sentiment_score":0.34855204820632935}],"sentiment":"neutral","sentiment_score":0.2900396820444327,"num_words":26,"start":12.255,"end":25.235},{"sentences":[{"text":"Now just before I do go any further, I'd just like to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":26.039999,"end":33.579998,"sentiment":"neutral","sentiment_score":0.04049543317021995},{"text":"Perfect.","start":35.96,"end":36.46,"sentiment":"positive","sentiment_score":0.38407376408576965},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":36.519997,"end":44.415,"sentiment":"neutral","sentiment_score":0.07133481207375343},{"text":"Yep.","start":53.45,"end":53.95,"sentiment":"neutral","sentiment_score":0.1788027584552765},{"text":"Perfect.","start":54.09,"end":54.59,"sentiment":"positive","sentiment_score":0.5403649806976318}],"sentiment":"neutral","sentiment_score":0.07124679619125251,"num_words":58,"start":26.039999,"end":54.59},{"sentences":[{"text":"That's exactly what I have here.","start":54.73,"end":56.25,"sentiment":"positive","sentiment_score":0.5727754433949789},{"text":"And how's your day been?","start":56.25,"end":57.29,"sentiment":"neutral","sentiment_score":0.1448873057961464},{"text":"Been busy?","start":57.29,"end":57.85,"sentiment":"neutral","sentiment_score":0.0021636448800563812},{"text":"Yeah.","start":57.85,"end":58.35,"sentiment":"neutral","sentiment_score":0.06364335119724274},{"text":"Well, I will try not to keep you for too long.","start":61.93,"end":64.51,"sentiment":"neutral","sentiment_score":-0.0076862648129463204}],"sentiment":"neutral","sentiment_score":0.16578043669462203,"num_words":25,"start":54.73,"end":64.51},{"sentences":[{"text":"Now if you are driving at the moment, what I have done is I have sent you an email with some documents.","start":65.325005,"end":70.705,"sentiment":"neutral","sentiment_score":0.09367522241717036},{"text":"Now if you're happy for me to do so, I will just kind of run through them with you.","start":71.40501,"end":75.665,"sentiment":"neutral","sentiment_score":0.24459201097488403},{"text":"And then when you do have a bit of a moment later, have a look through them.","start":75.885,"end":79.08501,"sentiment":"neutral","sentiment_score":0.1648143775322858},{"text":"And if you didn't have any questions, just let me know.","start":79.08501,"end":81.97,"sentiment":"neutral","sentiment_score":0.10670324347235939},{"text":"Is that okay?","start":81.97,"end":82.79,"sentiment":"neutral","sentiment_score":0.12082609782616298}],"sentiment":"neutral","sentiment_score":0.15341890960310897,"num_words":72,"start":65.325005,"end":82.79},{"sentences":[{"text":"Yeah.","start":84.21,"end":84.53,"sentiment":"positive","sentiment_score":0.34558212757110596},{"text":"Great.","start":84.53,"end":84.93,"sentiment":"positive","sentiment_score":0.6344583630561829},{"text":"Perfect.","start":84.93,"end":85.43,"sentiment":"positive","sentiment_score":0.544192373752594},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going?","start":85.73,"end":98.765,"sentiment":"neutral","sentiment_score":0.13288513339799027},{"text":"Yep.","start":101.065,"end":101.565,"sentiment":"neutral","sentiment_score":0.1258188635110855}],"sentiment":"neutral","sentiment_score":0.1509256365318452,"num_words":62,"start":84.21,"end":101.565},{"sentences":[{"text":"Yeah.","start":102.585,"end":103.085,"sentiment":"neutral","sentiment_score":0.22862854599952695},{"text":"Perfect.","start":103.305,"end":103.805,"sentiment":"neutral","sentiment_score":0.012446914799511433},{"text":"Now what I'll do first, Matthew, is just run through a bit of an updated fact find with you just to see if there is anything major that has changed in your life, which means we might have to make some changes to your advice.","start":104.345,"end":116.649994,"sentiment":"neutral","sentiment_score":-0.005027000564667913},{"text":"So just bear with me as I kind of go through this here.","start":117.11,"end":120.25,"sentiment":"neutral","sentiment_score":0.03877591628294725},{"text":"Now when it comes to your personal details, I have you down here as single with no financial dependent.","start":121.03,"end":126.97,"sentiment":"neutral","sentiment_score":0.010091968959099367}],"sentiment":"neutral","sentiment_score":0.008996136168230183,"num_words":79,"start":102.585,"end":126.97},{"sentences":[{"text":"Is that correct?","start":127.11,"end":127.965,"sentiment":"neutral","sentiment_score":0.037207370003064476},{"text":"Perfect.","start":129.885,"end":130.385,"sentiment":"positive","sentiment_score":0.6239390969276428},{"text":"I do have here next up Ken, your brother Michael nominated.","start":130.44499,"end":133.665,"sentiment":"positive","sentiment_score":0.40146893804723566},{"text":"Is that still the case as well?","start":133.805,"end":135.425,"sentiment":"neutral","sentiment_score":0.2587645415748869},{"text":"Perfect.","start":137.00499,"end":137.50499,"sentiment":"neutral","sentiment_score":0.21553996205329895}],"sentiment":"neutral","sentiment_score":0.31211353384930157,"num_words":23,"start":127.11,"end":137.50499},{"sentences":[{"text":"I have his phone number ending in 485.","start":137.805,"end":140.785,"sentiment":"neutral","sentiment_score":0.08605184452608228},{"text":"That hasn't changed?","start":140.925,"end":142.065,"sentiment":"neutral","sentiment_score":0.007256324092547099},{"text":"No.","start":143.51,"end":143.99,"sentiment":"neutral","sentiment_score":-0.02329456247389317},{"text":"Perfect.","start":143.99,"end":144.49,"sentiment":"neutral","sentiment_score":0.04568171501159668},{"text":"Occupation wise, still truck driving.","start":145.83,"end":148.41,"sentiment":"neutral","sentiment_score":-0.003252157289534807}],"sentiment":"neutral","sentiment_score":0.0397950052542405,"num_words":18,"start":137.805,"end":148.41},{"sentences":[{"text":"No changes there?","start":148.63,"end":149.85,"sentiment":"neutral","sentiment_score":-0.03338567788402239},{"text":"Yep.","start":150.23,"end":150.73,"sentiment":"neutral","sentiment_score":0.034647367894649506},{"text":"Perfect.","start":151.43001,"end":151.93001,"sentiment":"neutral","sentiment_score":0.2324053943157196},{"text":"Perfect.","start":153.03,"end":153.53,"sentiment":"neutral","sentiment_score":0.2207196354866028},{"text":"Income wise, I think last time we spoke, you were not super sure if it was between $1.40 and $1.60.","start":155.03,"end":162.86499,"sentiment":"neutral","sentiment_score":-0.01944136363454163}],"sentiment":"neutral","sentiment_score":-0.000046611870997227154,"num_words":26,"start":148.63,"end":162.86499},{"sentences":[{"text":"Do you know roughly what it's at at the moment?","start":163.325,"end":166.14499,"sentiment":"neutral","sentiment_score":-0.04600486047565937},{"text":"Perfect.","start":172.45999,"end":172.95999,"sentiment":"neutral","sentiment_score":0.16445165872573853},{"text":"And what do you think roughly the total income for the about one sixty?","start":173.01999,"end":180.0,"sentiment":"neutral","sentiment_score":0.02107453199901751},{"text":"Yeah.","start":180.54,"end":180.94,"sentiment":"neutral","sentiment_score":0.03056543692946434},{"text":"Okay.","start":180.94,"end":181.34,"sentiment":"neutral","sentiment_score":0.121035635471344}],"sentiment":"neutral","sentiment_score":0.005594354605785123,"num_words":27,"start":163.325,"end":181.34},{"sentences":[{"text":"Perfect.","start":181.34,"end":181.84,"sentiment":"neutral","sentiment_score":0.19438117742538452},{"text":"And do you kind of get, like, overtime and stuff like that when you do longer longer shifts or anything?","start":182.16501,"end":188.24501,"sentiment":"neutral","sentiment_score":0.025268951896578074},{"text":"So that's why I kinda fluctuate a little bit.","start":188.24501,"end":190.405,"sentiment":"neutral","sentiment_score":-0.05894251126382086},{"text":"Yeah.","start":190.405,"end":190.905,"sentiment":"neutral","sentiment_score":0.01450112834572792},{"text":"Yeah.","start":195.54001,"end":196.04001,"sentiment":"neutral","sentiment_score":0.03082919865846634}],"sentiment":"neutral","sentiment_score":0.006706498155836016,"num_words":32,"start":181.34,"end":196.04001},{"sentences":[{"text":"And do you know as well you get employer contribution on, like, your full income, so the one sixty if that's where it kind of ends up this this year?","start":196.34001,"end":206.04001,"sentiment":"neutral","sentiment_score":0.028512554243206978},{"text":"Or do you have a so some employers will do, like, base income.","start":206.965,"end":212.565,"sentiment":"neutral","sentiment_score":-0.0028792892654354754},{"text":"So you have a base income.","start":212.565,"end":213.765,"sentiment":"neutral","sentiment_score":0.043111709877848625},{"text":"And then if you earn, like, overtime or bonuses and stuff on top of that, sometimes the bonuses do get contributions to superannuation, not always overtime.","start":213.765,"end":223.42,"sentiment":"neutral","sentiment_score":0.0555702460070069},{"text":"Some pay on everything.","start":224.28,"end":225.5,"sentiment":"neutral","sentiment_score":0.014305381453596056}],"sentiment":"neutral","sentiment_score":0.032641317064673464,"num_words":79,"start":196.34001,"end":225.5},{"sentences":[{"text":"Okay.","start":230.44,"end":230.84,"sentiment":"neutral","sentiment_score":-0.018060840666294094},{"text":"Yep.","start":230.84,"end":231.16,"sentiment":"neutral","sentiment_score":0.006330519448965788},{"text":"If if it does vary like that, then then yes.","start":231.16,"end":234.06,"sentiment":"neutral","sentiment_score":-0.023603533394634724},{"text":"Alright.","start":234.36,"end":234.86,"sentiment":"neutral","sentiment_score":0.07056677341461182},{"text":"Perfect.","start":235.0,"end":235.5,"sentiment":"positive","sentiment_score":0.4882611036300659}],"sentiment":"neutral","sentiment_score":0.0222187301343573,"num_words":14,"start":230.44,"end":235.5},{"sentences":[{"text":"And aside from, like, the standard contributions from your employer, you're not making any additional contributions.","start":235.88,"end":241.705,"sentiment":"neutral","sentiment_score":0.0305209745420143},{"text":"Does that stand standard?","start":242.485,"end":243.925,"sentiment":"neutral","sentiment_score":-0.06626535952091217},{"text":"Great.","start":243.925,"end":244.425,"sentiment":"positive","sentiment_score":0.43674802780151367},{"text":"Asset wise, I have here your property was last valued at about $8.50.","start":245.44499,"end":250.665,"sentiment":"neutral","sentiment_score":0.12513388807956988},{"text":"Do you know if that's roughly the case, or has that gone up a little bit?","start":251.3,"end":254.52,"sentiment":"neutral","sentiment_score":0.07446289667859674}],"sentiment":"neutral","sentiment_score":0.06956338148564101,"num_words":50,"start":235.88,"end":254.52},{"sentences":[{"text":"900.","start":257.06,"end":257.86002,"sentiment":"neutral","sentiment_score":0.03248750790953636},{"text":"Perfect.","start":257.86002,"end":258.36002,"sentiment":"neutral","sentiment_score":0.21442949771881104},{"text":"I have mortgage about $4.80.","start":258.74,"end":260.68,"sentiment":"neutral","sentiment_score":0.12271833717823029},{"text":"That's perfect.","start":262.58,"end":263.32,"sentiment":"positive","sentiment_score":0.4237624704837799},{"text":"About house and contents of about 50,000.","start":264.58,"end":268.33502,"sentiment":"neutral","sentiment_score":0.11276557615825109}],"sentiment":"neutral","sentiment_score":0.156087041599676,"num_words":16,"start":257.06,"end":268.33502},{"sentences":[{"text":"Yeah.","start":270.39502,"end":270.89502,"sentiment":"neutral","sentiment_score":0.05039326846599579},{"text":"Two cars, about 60,000.","start":271.515,"end":274.015,"sentiment":"neutral","sentiment_score":0.052008431404829025},{"text":"Perfect.","start":275.67502,"end":276.17502,"sentiment":"neutral","sentiment_score":0.19175975024700165},{"text":"Caravan, 15.","start":276.315,"end":277.61502,"sentiment":"neutral","sentiment_score":0.1448899284005165},{"text":"Perfect.","start":279.44998,"end":279.94998,"sentiment":"neutral","sentiment_score":0.17614707350730896}],"sentiment":"neutral","sentiment_score":0.10179040829340617,"num_words":9,"start":270.39502,"end":279.94998},{"sentences":[{"text":"Boat 10 and ex excavator 30.","start":280.25,"end":282.83,"sentiment":"neutral","sentiment_score":0.11920560399691264},{"text":"That's still roughly the same?","start":283.61,"end":285.06998,"sentiment":"neutral","sentiment_score":0.08451548963785172},{"text":"Perfect.","start":285.21,"end":285.71,"sentiment":"neutral","sentiment_score":0.17827241122722626},{"text":"Any new assets otherwise in the last twelve months?","start":286.72998,"end":289.38998,"sentiment":"neutral","sentiment_score":0.006643184046778414},{"text":"Not easy.","start":290.72998,"end":291.63,"sentiment":"neutral","sentiment_score":-0.18278124928474426}],"sentiment":"neutral","sentiment_score":0.04392650614128164,"num_words":23,"start":280.25,"end":291.63},{"sentences":[{"text":"Any liabilities, like personal loans, credit cards, pay?","start":291.77,"end":295.175,"sentiment":"neutral","sentiment_score":-0.09355427976697683},{"text":"Not perfect.","start":296.835,"end":297.815,"sentiment":"neutral","sentiment_score":-0.15466473996639252},{"text":"Now health and lifestyle wise, I'd have you down here as a nonsmoker.","start":298.435,"end":302.775,"sentiment":"neutral","sentiment_score":-0.01505880645261361},{"text":"Is that still the case?","start":302.995,"end":304.215,"sentiment":"neutral","sentiment_score":-0.01495569348335266},{"text":"Perfect.","start":306.115,"end":306.615,"sentiment":"neutral","sentiment_score":0.12722107768058777}],"sentiment":"neutral","sentiment_score":-0.04141674454099145,"num_words":29,"start":291.77,"end":306.615},{"sentences":[{"text":"And any changes to, like, medications or health issues or injuries or anything?","start":306.75497,"end":313.09003,"sentiment":"neutral","sentiment_score":0.011490336977518521},{"text":"Just the same?","start":315.47,"end":316.37003,"sentiment":"neutral","sentiment_score":-0.08140275379021962},{"text":"Yep.","start":316.83002,"end":317.23,"sentiment":"neutral","sentiment_score":0.04357421025633812},{"text":"Perfect.","start":317.23,"end":317.73,"sentiment":"neutral","sentiment_score":0.10679805278778076},{"text":"When it comes to estate planning, do you have a will in place, Matthew?","start":319.23,"end":323.25,"sentiment":"neutral","sentiment_score":0.02273972798138857}],"sentiment":"neutral","sentiment_score":0.011684205441270024,"num_words":32,"start":306.75497,"end":323.25},{"sentences":[{"text":"No.","start":325.295,"end":325.795,"sentiment":"neutral","sentiment_score":-0.06903490424156189},{"text":"No, like, power of attorney or anyone who makes any financial decisions on your behalf?","start":327.055,"end":331.23502,"sentiment":"neutral","sentiment_score":-0.05255639428893725},{"text":"K.","start":332.73502,"end":333.215,"sentiment":"neutral","sentiment_score":-0.014451404102146626},{"text":"Perfect.","start":333.215,"end":333.715,"sentiment":"neutral","sentiment_score":0.031461767852306366},{"text":"And are you politically exposed or earn an income overseas at all?","start":334.415,"end":339.84,"sentiment":"neutral","sentiment_score":-0.037193821743130684}],"sentiment":"neutral","sentiment_score":-0.042889877191434306,"num_words":30,"start":325.295,"end":339.84},{"sentences":[{"text":"No.","start":341.42,"end":341.66,"sentiment":"neutral","sentiment_score":-0.02248522825539112},{"text":"Perfect.","start":341.66,"end":342.16,"sentiment":"neutral","sentiment_score":0.0823899358510971},{"text":"Now I can see here as well that we do have your beneficiary forms outstanding on your superannuation.","start":342.54,"end":348.32,"sentiment":"neutral","sentiment_score":0.09648283757269382},{"text":"So in the event that something were to happen to you, someone that you would like to nominate.","start":348.86,"end":354.89502,"sentiment":"neutral","sentiment_score":0.05901377834379673},{"text":"Did you receive those in the post at all?","start":355.27502,"end":357.695,"sentiment":"neutral","sentiment_score":0.0042582837243874865}],"sentiment":"neutral","sentiment_score":0.06164187973642603,"num_words":47,"start":341.42,"end":357.695},{"sentences":[{"text":"No.","start":361.43503,"end":361.67502,"sentiment":"neutral","sentiment_score":-0.08420021831989288},{"text":"That's okay.","start":361.67502,"end":362.575,"sentiment":"positive","sentiment_score":0.5334530770778656},{"text":"Do you have any questions in regards to them or who you would like to nominate and how that would work?","start":363.74,"end":369.92,"sentiment":"neutral","sentiment_score":0.16940252234538397},{"text":"It depends on who you want to nominate.","start":381.015,"end":382.95502,"sentiment":"neutral","sentiment_score":0.007356361486017704},{"text":"So with superannuation, they are quite strict on the legislation of who you can nominate directly, so, like, without a will.","start":383.255,"end":390.39,"sentiment":"neutral","sentiment_score":-0.06783641777223065}],"sentiment":"neutral","sentiment_score":0.05989518912755094,"num_words":53,"start":361.43503,"end":390.39},{"sentences":[{"text":"So the the only people that you can nominate directly without a will would be a spouse, a child, a financial dependent, or someone who's in a interdependent relationship with you.","start":390.79,"end":402.73,"sentiment":"neutral","sentiment_score":0.018331572278252533},{"text":"So that would basically mean someone that has to rely on you financially at the time of your passing, and you kind of need to live together and have you know, provide financial support or stuff like that.","start":402.765,"end":413.90503,"sentiment":"neutral","sentiment_score":0.08590565563032501},{"text":"If that yeah.","start":414.36502,"end":420.77,"sentiment":"neutral","sentiment_score":-0.03379275401433309},{"text":"So for you, which is the case for a lot of people, where you might wanna give it through, like, a mother or father or a sibling or nephew or niece and a cousin, anyone or friend.","start":420.91,"end":432.425,"sentiment":"neutral","sentiment_score":0.14551645356255608},{"text":"The way you can still you can still give it to them very much.","start":432.645,"end":435.465,"sentiment":"positive","sentiment_score":0.3344198412128857}],"sentiment":"neutral","sentiment_score":0.11217318659618013,"num_words":123,"start":390.79,"end":435.465},{"sentences":[{"text":"The only way would be through the will.","start":435.525,"end":437.60498,"sentiment":"neutral","sentiment_score":0.05246411822736263},{"text":"That is correct.","start":437.60498,"end":438.585,"sentiment":"neutral","sentiment_score":0.22996156414349875},{"text":"So on the superannuation form, you would just select that legal personal representative, which then basically means it regards to the will.","start":439.60498,"end":449.33,"sentiment":"neutral","sentiment_score":0.12987078590826553},{"text":"Yes.","start":449.47,"end":449.71,"sentiment":"neutral","sentiment_score":0.22512701153755188},{"text":"That is correct.","start":449.71,"end":450.61,"sentiment":"neutral","sentiment_score":0.3269745210806529}],"sentiment":"neutral","sentiment_score":0.13980555413542567,"num_words":37,"start":435.525,"end":450.61},{"sentences":[{"text":"So it's a little bit more of of a hassle, but at least that way, if something ever were to happen, there is a nomination in place.","start":451.55,"end":460.045,"sentiment":"neutral","sentiment_score":0.2220273638765017},{"text":"So whoever you would like to receive your superannuation, will get it and also streamline it so there's not anyone else who's trying to, you know, trying to make a claim for anything as well.","start":460.265,"end":472.445,"sentiment":"positive","sentiment_score":0.3371697225740978},{"text":"So, obviously, when you have a moment and the most comprehensive way is obviously getting a will through a lawyer, but I also understand that sometimes money and if it's straightforward estate, people not always want to do that.","start":472.745,"end":485.85,"sentiment":"neutral","sentiment_score":0.009395135566592216},{"text":"So you can definitely do just the will kit through the post office.","start":485.85,"end":489.375,"sentiment":"positive","sentiment_score":0.39218844587986285},{"text":"That's perfectly fine.","start":489.375,"end":490.835,"sentiment":"positive","sentiment_score":0.6919614473978678}],"sentiment":"neutral","sentiment_score":0.21655062855117851,"num_words":117,"start":451.55,"end":490.835},{"sentences":[{"text":"The only thing with that is just obviously making sure you read the instructions carefully and let someone know where you keep a copy.","start":491.055,"end":499.69498,"sentiment":"neutral","sentiment_score":0.287854906792442},{"text":"You can always email it to me as well, and I can always keep a copy on file because we obviously have all your other information.","start":499.69498,"end":505.5,"sentiment":"positive","sentiment_score":0.4235916493030695},{"text":"So if something ever were to happen, we would have it secure on file for you as well.","start":506.12003,"end":511.26,"sentiment":"positive","sentiment_score":0.46861158145798576},{"text":"So when you have a moment, have a kind of a a think about it and decide what you would like to do.","start":512.2,"end":518.895,"sentiment":"neutral","sentiment_score":0.2292256860629372},{"text":"Would you like us to repost them to you, or do you have it somewhere?","start":518.97504,"end":522.91504,"sentiment":"neutral","sentiment_score":0.046754907940824826}],"sentiment":"neutral","sentiment_score":0.305003995374548,"num_words":106,"start":491.055,"end":522.91504},{"sentences":[{"text":"Yeah.","start":526.41504,"end":526.91504,"sentiment":"neutral","sentiment_score":-0.10435112565755844},{"text":"No.","start":528.495,"end":528.815,"sentiment":"neutral","sentiment_score":-0.04408347234129906},{"text":"That's okay.","start":528.815,"end":529.455,"sentiment":"neutral","sentiment_score":0.028296133503317833},{"text":"And do you have access to a printer, or do you prefer post?","start":529.455,"end":532.515,"sentiment":"neutral","sentiment_score":0.012756665308888141},{"text":"Post is easy?","start":535.97003,"end":536.95,"sentiment":"neutral","sentiment_score":-0.0049384062488873805}],"sentiment":"neutral","sentiment_score":0.002958954963833094,"num_words":20,"start":526.41504,"end":536.95},{"sentences":[{"text":"No.","start":537.01,"end":537.25,"sentiment":"neutral","sentiment_score":0.0008938871324062347},{"text":"That's okay.","start":537.25,"end":538.15,"sentiment":"neutral","sentiment_score":0.14986836537718773},{"text":"I'll get the team to include the return envelope as well for you to make it easy.","start":538.69,"end":543.75,"sentiment":"neutral","sentiment_score":0.3281039472888498},{"text":"So, yeah, just let us know how you go with that.","start":544.93,"end":548.07,"sentiment":"neutral","sentiment_score":0.3328541625629772},{"text":"Now when it yes.","start":549.025,"end":557.505,"sentiment":"neutral","sentiment_score":0.11414281465113163}],"sentiment":"neutral","sentiment_score":0.28561042195984293,"num_words":35,"start":537.01,"end":557.505},{"sentences":[{"text":"So you would basically say that you want it to go through the will.","start":557.505,"end":561.525,"sentiment":"neutral","sentiment_score":0.11846282386354037},{"text":"So on the form and I can get if you would like, I can get the team to prefill it for you, so you just have to sign it, is that we would select legal personal representative.","start":562.03,"end":573.01,"sentiment":"neutral","sentiment_score":0.16094753126034866},{"text":"So that would be your nomination, would mean basically your will.","start":573.23,"end":576.675,"sentiment":"neutral","sentiment_score":0.16986999863928015},{"text":"Would you like us to prefill that for you?","start":576.915,"end":579.415,"sentiment":"neutral","sentiment_score":0.09561058133840561},{"text":"Yeah.","start":582.035,"end":582.535,"sentiment":"neutral","sentiment_score":0.09852248430252077}],"sentiment":"neutral","sentiment_score":0.14501563739031553,"num_words":72,"start":557.505,"end":582.535},{"sentences":[{"text":"Yes.","start":587.875,"end":588.355,"sentiment":"neutral","sentiment_score":0.04302551969885826},{"text":"You can There are some online ones you can do as well, but I would just be really careful because some of them as well have different kind of terms and conditions and stuff like that.","start":588.355,"end":598.11,"sentiment":"neutral","sentiment_score":-0.04602316632452938},{"text":"So, typically, I would say the will kit is pretty good if you obviously don't wanna do it through a lawyer.","start":598.41003,"end":605.55,"sentiment":"neutral","sentiment_score":0.15129699682195982},{"text":"They are they are fairly affordable as well.","start":606.335,"end":609.315,"sentiment":"positive","sentiment_score":0.6559804975986481},{"text":"And, yeah, you can get them from any post office typically.","start":610.495,"end":614.275,"sentiment":"positive","sentiment_score":0.4337028373371471}],"sentiment":"neutral","sentiment_score":0.1504156319061657,"num_words":77,"start":587.875,"end":614.275},{"sentences":[{"text":"So that is the easiest way to do it.","start":614.41504,"end":617.79504,"sentiment":"positive","sentiment_score":0.4328024652269151},{"text":"Like I said, some people do have, like, the online ones.","start":619.32996,"end":622.20996,"sentiment":"neutral","sentiment_score":0.08756016770547087},{"text":"I would just be a little bit careful of which one and reading the fine print if you do decide to do that.","start":622.20996,"end":627.75,"sentiment":"neutral","sentiment_score":-0.008420647972303888},{"text":"But, yeah, otherwise, post office would be a good option.","start":628.05,"end":631.67,"sentiment":"neutral","sentiment_score":0.16887735016644},{"text":"Would you like, yeah, prefill it to make it easy?","start":634.135,"end":637.015,"sentiment":"neutral","sentiment_score":0.17043986767530442}],"sentiment":"neutral","sentiment_score":0.127902877886617,"num_words":63,"start":614.41504,"end":637.015},{"sentences":[{"text":"Now there are two tick boxes as well that we can prefill for you, and that is depending on the type of nomination.","start":637.015,"end":642.875,"sentiment":"neutral","sentiment_score":0.13384021915819333},{"text":"So you can have a binding and a nonbinding option.","start":643.175,"end":647.22,"sentiment":"neutral","sentiment_score":0.08157443143427372},{"text":"Basically, binding means that the trustee of your superannuation are bound to follow your wishes, which is the most certain option, or you can have a nonbinding, which is basically means that this is what you would like to have happen, but, ultimately, it's up to the trustee to decide what they want and not us then.","start":647.68,"end":664.565,"sentiment":"neutral","sentiment_score":0.07806859518352308},{"text":"Which one would you prefer?","start":665.345,"end":666.64496,"sentiment":"neutral","sentiment_score":0.053408223390579226},{"text":"Yep.","start":669.345,"end":669.825,"sentiment":"neutral","sentiment_score":0.1969790905714035}],"sentiment":"neutral","sentiment_score":0.09174999466631562,"num_words":96,"start":637.015,"end":669.825},{"sentences":[{"text":"Binding.","start":669.825,"end":670.325,"sentiment":"neutral","sentiment_score":0.23120346665382385},{"text":"Perfect.","start":670.46497,"end":670.96497,"sentiment":"positive","sentiment_score":0.653166651725769},{"text":"Correct.","start":674.19995,"end":674.6,"sentiment":"neutral","sentiment_score":0.28878602385520935},{"text":"And that is, I would say, what 99% of people choose because you want that certainty.","start":674.6,"end":680.3,"sentiment":"neutral","sentiment_score":0.21181112248450518},{"text":"Not all superannuation funds offer it, but if they do, yeah, typically binding is, yeah, your more certain option.","start":681.48,"end":689.685,"sentiment":"neutral","sentiment_score":0.09013372620469645}],"sentiment":"neutral","sentiment_score":0.16512302368095047,"num_words":38,"start":669.825,"end":689.685},{"sentences":[{"text":"So it will tick that for you.","start":689.825,"end":691.265,"sentiment":"neutral","sentiment_score":0.20425100837435042},{"text":"You then also have a lapsing and a non lapsing option.","start":691.265,"end":694.24506,"sentiment":"neutral","sentiment_score":0.10131532461805777},{"text":"So a lapsing means that it expires every three years, and you have to recomplete the form.","start":694.705,"end":700.45996,"sentiment":"neutral","sentiment_score":0.04350360143272316},{"text":"Non lapsing means that you just completed once, and it stays in place until you decide to change it.","start":700.92,"end":706.86,"sentiment":"neutral","sentiment_score":0.08142543035118203},{"text":"Just once?","start":709.64,"end":710.54,"sentiment":"neutral","sentiment_score":0.02921956777572632}],"sentiment":"neutral","sentiment_score":0.08730909224998738,"num_words":56,"start":689.825,"end":710.54},{"sentences":[{"text":"Yeah.","start":711.08,"end":711.555,"sentiment":"neutral","sentiment_score":0.08675685524940491},{"text":"That's what most people say as well.","start":711.635,"end":713.415,"sentiment":"neutral","sentiment_score":0.17515702652079718},{"text":"With the will, it it's easier because if anything change, you can just update the will.","start":714.27496,"end":718.115,"sentiment":"positive","sentiment_score":0.38035570457577705},{"text":"You never have to change the score.","start":718.115,"end":719.735,"sentiment":"neutral","sentiment_score":0.2331609853676387},{"text":"It's the only kind of thing sometimes is if you if you don't if you, let's say, nominate a partner or something and you leave it and you never update it and circumstances change, that's the only thing to remind you of.","start":720.755,"end":733.38,"sentiment":"neutral","sentiment_score":0.25846195504778907}],"sentiment":"neutral","sentiment_score":0.2724120044340826,"num_words":73,"start":711.08,"end":733.38},{"sentences":[{"text":"But if you're doing it well, it's pretty easy.","start":733.38,"end":735.32,"sentiment":"positive","sentiment_score":0.600112603770362},{"text":"That way, you can update the will whenever you want to, and you don't have to go through and update this form again.","start":735.38,"end":741.08,"sentiment":"positive","sentiment_score":0.38028519114722376},{"text":"So we'll do the non lapsing and finding for you.","start":742.575,"end":746.015,"sentiment":"positive","sentiment_score":0.39480847120285034},{"text":"I'll get the team to prefill that and email it post it out to you to make it nice and easy.","start":746.015,"end":752.835,"sentiment":"positive","sentiment_score":0.5169158166363126},{"text":"Now, otherwise, Matthew, I guess, when it comes to kind of goals and stuff that you're working on or wanting to achieve in the next couple of years, last time we kind of touched base, you were mainly focusing on building a shed and kind of focusing on paying down the mortgage as much as possible.","start":753.6,"end":770.075,"sentiment":"neutral","sentiment_score":0.13238847728020378}],"sentiment":"neutral","sentiment_score":0.3055852472218646,"num_words":119,"start":733.38,"end":770.075},{"sentences":[{"text":"Is that still kind of a focus point for you, or did you end up building the shed?","start":770.61505,"end":775.275,"sentiment":"neutral","sentiment_score":0.04834194015711546},{"text":"Yeah.","start":778.775,"end":779.09503,"sentiment":"neutral","sentiment_score":-0.030463825911283493},{"text":"So is that kind of something in the next couple of years you would like to ideally get to?","start":779.09503,"end":784.395,"sentiment":"neutral","sentiment_score":0.0030916870424621983},{"text":"Yes.","start":784.88995,"end":785.38995,"sentiment":"neutral","sentiment_score":0.09846730530261992},{"text":"Yeah.","start":786.17,"end":786.56995,"sentiment":"neutral","sentiment_score":0.18455636501312256}],"sentiment":"neutral","sentiment_score":0.029536420525982977,"num_words":40,"start":770.61505,"end":786.56995},{"sentences":[{"text":"Perfect.","start":786.56995,"end":787.06995,"sentiment":"neutral","sentiment_score":0.31795740127563477},{"text":"Otherwise, when it comes to superannuation, I have ideally, you'd love to retire at the age of 60 and have an ideal income of about $1,000 per week from super.","start":788.41,"end":798.32996,"sentiment":"neutral","sentiment_score":0.22021498829126357},{"text":"Do you think that's still the goals?","start":798.32996,"end":800.82495,"sentiment":"neutral","sentiment_score":0.13810616093022482},{"text":"Yep.","start":803.285,"end":803.785,"sentiment":"neutral","sentiment_score":0.3283098340034485},{"text":"Perfect.","start":804.08496,"end":804.58496,"sentiment":"positive","sentiment_score":0.5093568563461304}],"sentiment":"neutral","sentiment_score":0.21822042167186737,"num_words":40,"start":786.56995,"end":804.58496},{"sentences":[{"text":"Now next thing I do quickly wanna run through, Matthew, is just a couple of multiple choice questions to make it nice and easy.","start":806.08496,"end":812.185,"sentiment":"neutral","sentiment_score":0.33314465234677},{"text":"And the purpose behind that is just to see if we need to make any changes to your portfolio within your superannuation.","start":812.72003,"end":818.98004,"sentiment":"neutral","sentiment_score":0.14717041633345865},{"text":"So there's no right or wrong answer.","start":819.92004,"end":822.16003,"sentiment":"neutral","sentiment_score":0.01367419638804027},{"text":"It's just whatever you feel is the most appropriate for you.","start":822.16003,"end":825.44,"sentiment":"neutral","sentiment_score":0.18090015920725735},{"text":"Does that make sense?","start":825.44,"end":826.58,"sentiment":"neutral","sentiment_score":0.15718576312065125}],"sentiment":"neutral","sentiment_score":0.2051115440314307,"num_words":68,"start":806.08496,"end":826.58},{"sentences":[{"text":"Yep.","start":827.715,"end":828.03503,"sentiment":"neutral","sentiment_score":0.1986100673675537},{"text":"Perfect.","start":828.03503,"end":828.53503,"sentiment":"positive","sentiment_score":0.568584680557251},{"text":"Now have you ever bought direct shares yourself?","start":829.395,"end":832.055,"sentiment":"neutral","sentiment_score":0.10859988583251834},{"text":"A shares, like, on the stock market or anything like that?","start":835.155,"end":838.135,"sentiment":"neutral","sentiment_score":0.008319608782502737},{"text":"No.","start":838.435,"end":838.935,"sentiment":"neutral","sentiment_score":-0.18527474999427795}],"sentiment":"neutral","sentiment_score":0.0701015809635547,"num_words":22,"start":827.715,"end":838.935},{"sentences":[{"text":"No.","start":839.84,"end":840.34,"sentiment":"neutral","sentiment_score":-0.11482919007539748},{"text":"Perfect.","start":840.48004,"end":840.98004,"sentiment":"neutral","sentiment_score":0.110826313495636},{"text":"Next question is in regards to inflation.","start":842.48004,"end":844.9,"sentiment":"neutral","sentiment_score":-0.02497314289212227},{"text":"So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more.","start":845.28,"end":853.54004,"sentiment":"neutral","sentiment_score":-0.15962966330922568},{"text":"Now how much of a risk are you willing to take in order to tryna, you know, make sure that you stay on top of, you know, the increasing prices and stuff when it comes to thinking about your superannuation?","start":854.115,"end":864.695,"sentiment":"neutral","sentiment_score":-0.13471183094661682}],"sentiment":"neutral","sentiment_score":-0.12956879147638878,"num_words":75,"start":839.84,"end":864.695},{"sentences":[{"text":"Would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk?","start":865.955,"end":872.82996,"sentiment":"neutral","sentiment_score":-0.12178175635635853},{"text":"Okay.","start":883.065,"end":883.565,"sentiment":"neutral","sentiment_score":-0.029204111546278},{"text":"What's happened?","start":886.745,"end":887.645,"sentiment":"neutral","sentiment_score":-0.015568334609270096},{"text":"Yep.","start":889.785,"end":890.285,"sentiment":"neutral","sentiment_score":-0.0025835013948380947},{"text":"Yeah.","start":893.785,"end":894.285,"sentiment":"neutral","sentiment_score":-0.05597988516092301}],"sentiment":"neutral","sentiment_score":-0.10218157177791,"num_words":25,"start":865.955,"end":894.285},{"sentences":[{"text":"Yep.","start":897.55,"end":898.05,"sentiment":"neutral","sentiment_score":-0.12787114083766937},{"text":"Yeah.","start":901.87,"end":902.35004,"sentiment":"neutral","sentiment_score":-0.1637306809425354},{"text":"Sorry.","start":902.35004,"end":902.67,"sentiment":"neutral","sentiment_score":-0.17673903703689575},{"text":"And that's definitely valid.","start":902.67,"end":903.87,"sentiment":"neutral","sentiment_score":0.12292987108230591},{"text":"And I have in the reports I have sent you, I have gone over.","start":903.87,"end":906.85004,"sentiment":"neutral","sentiment_score":0.070602344881211}],"sentiment":"neutral","sentiment_score":0.04818149780233701,"num_words":21,"start":897.55,"end":906.85004},{"sentences":[{"text":"It will outline all of that, but I'll also explain it all to you how the portfolio has gone in the last twelve months.","start":907.165,"end":912.945,"sentiment":"neutral","sentiment_score":0.05995890498161316},{"text":"So these are kind of it's a bit tricky because I understand it's very, like, hypothetical, and it depends on the situation.","start":913.405,"end":920.065,"sentiment":"neutral","sentiment_score":-0.2579463943839073},{"text":"So if you are just kind of thinking about the the concept of it, not so much a dollar figure.","start":920.74,"end":927.38,"sentiment":"neutral","sentiment_score":0.045899149216711524},{"text":"So if everything goes well and long term, it continues to grow.","start":927.38,"end":931.88,"sentiment":"positive","sentiment_score":0.49078521504998207},{"text":"So, obviously, the risk and the growth comes kind of hand in hand that often you have to take some level of risk in order to get the the growth long term.","start":932.02,"end":942.375,"sentiment":"neutral","sentiment_score":-0.11586590914521366}],"sentiment":"neutral","sentiment_score":-0.010328277132727883,"num_words":110,"start":907.165,"end":942.375},{"sentences":[{"text":"But, obviously, you don't want too much fluctuations either.","start":943.075,"end":946.675,"sentiment":"neutral","sentiment_score":-0.06350202775663799},{"text":"So it's also what you are comfortable with just to assess in terms of the allocation of the proportion to which type of investment.","start":946.675,"end":955.33,"sentiment":"neutral","sentiment_score":0.1345785642042756},{"text":"So if you are kind of just thinking and this is this is just to get gauge how you are feeling about it, not necessarily making any change.","start":956.11,"end":964.575,"sentiment":"neutral","sentiment_score":0.13579356936471804},{"text":"So if you just think about it, if everything in the long term is going okay, would you be comfortable seeing short term fluctuations?","start":965.055,"end":974.195,"sentiment":"neutral","sentiment_score":0.20678324376543364},{"text":"So in, like, a twelve month or a six month period, you would see a bit of those fluctuation if we when we are looking more like a three five long term, it's gone up a bit.","start":974.575,"end":987.69,"sentiment":"neutral","sentiment_score":0.056029683130012976}],"sentiment":"neutral","sentiment_score":0.11062691278267102,"num_words":122,"start":943.075,"end":987.69},{"sentences":[{"text":"Would you be willing to take on a bit of short term fluctuation?","start":988.14996,"end":991.37,"sentiment":"neutral","sentiment_score":-0.012474998760108765},{"text":"Okay.","start":996.645,"end":997.145,"sentiment":"neutral","sentiment_score":-0.13496986031532288},{"text":"Okay.","start":997.525,"end":998.025,"sentiment":"neutral","sentiment_score":-0.14217713475227356},{"text":"Yeah.","start":1000.485,"end":1000.985,"sentiment":"neutral","sentiment_score":-0.2201741337776184},{"text":"Yeah.","start":1002.245,"end":1002.745,"sentiment":"neutral","sentiment_score":-0.14270809292793274}],"sentiment":"neutral","sentiment_score":-0.047188482685562444,"num_words":17,"start":988.14996,"end":1002.745},{"sentences":[{"text":"Yep.","start":1007.13,"end":1007.63,"sentiment":"neutral","sentiment_score":-0.222479447722435},{"text":"It's tricky.","start":1007.85004,"end":1008.83,"sentiment":"neutral","sentiment_score":-0.28837358951568604},{"text":"Yep.","start":1010.41003,"end":1010.91003,"sentiment":"neutral","sentiment_score":-0.1085713505744934},{"text":"Yep.","start":1011.45,"end":1011.95,"sentiment":"neutral","sentiment_score":0.2149212062358856},{"text":"Yes.","start":1013.37,"end":1013.87,"sentiment":"positive","sentiment_score":0.3454403281211853}],"sentiment":"neutral","sentiment_score":-0.05790607382853826,"num_words":6,"start":1007.13,"end":1013.87},{"sentences":[{"text":"Yeah.","start":1015.45,"end":1015.95,"sentiment":"neutral","sentiment_score":0.22145789861679077},{"text":"And it's very much so.","start":1016.01,"end":1018.35004,"sentiment":"neutral","sentiment_score":0.24162234365940094},{"text":"A lot of it also comes down to behavioral with different clients.","start":1019.255,"end":1023.175,"sentiment":"neutral","sentiment_score":0.08745711172620456},{"text":"So we can obviously look at it from, okay.","start":1023.175,"end":1025.575,"sentiment":"neutral","sentiment_score":0.11027611543734868},{"text":"Well, what time frames do you have?","start":1025.575,"end":1027.4349,"sentiment":"neutral","sentiment_score":0.03616726504904883}],"sentiment":"neutral","sentiment_score":0.10955031917375677,"num_words":34,"start":1015.45,"end":1027.4349},{"sentences":[{"text":"How much time do you have to take on?","start":1027.575,"end":1029.655,"sentiment":"neutral","sentiment_score":0.028977075384722814},{"text":"What are your goals?","start":1029.655,"end":1030.635,"sentiment":"neutral","sentiment_score":0.10178251378238201},{"text":"But then I can also have because it's very much tailored to individual clients.","start":1030.855,"end":1034.87,"sentiment":"neutral","sentiment_score":0.19002926801996572},{"text":"So I can have, I could have another client that's, you know, exactly similar to you, same age and everything, but they are very hesitant and very nervous when it comes to fluctuations.","start":1034.87,"end":1045.13,"sentiment":"neutral","sentiment_score":-0.11405017130979986},{"text":"So in that instance, you might not, you know, put them in in the same category when it comes to level of fluctuation because it's also a bit of a behavioral.","start":1045.9349,"end":1056.595,"sentiment":"neutral","sentiment_score":-0.10225239486223267}],"sentiment":"neutral","sentiment_score":-0.039616993495396206,"num_words":91,"start":1027.575,"end":1056.595},{"sentences":[{"text":"So that's where these kind of questions come in to gauge how comfortable you are.","start":1056.735,"end":1061.315,"sentiment":"neutral","sentiment_score":0.05523660679658254},{"text":"But if you does that make sense?","start":1061.67,"end":1064.17,"sentiment":"neutral","sentiment_score":0.017208234407007694},{"text":"It's a bit it's a bit tricky.","start":1064.7101,"end":1066.4901,"sentiment":"neutral","sentiment_score":-0.20042347429054125},{"text":"Yeah.","start":1068.2301,"end":1068.7301,"sentiment":"neutral","sentiment_score":-0.1223900467157364},{"text":"Yeah.","start":1069.75,"end":1070.25,"sentiment":"neutral","sentiment_score":-0.041719064116477966}],"sentiment":"neutral","sentiment_score":-0.01993763509897455,"num_words":31,"start":1056.735,"end":1070.25},{"sentences":[{"text":"Yep.","start":1071.9901,"end":1072.4901,"sentiment":"neutral","sentiment_score":-0.038540035486221313},{"text":"Yep.","start":1074.725,"end":1075.225,"sentiment":"neutral","sentiment_score":0.07698816806077957},{"text":"Yep.","start":1080.485,"end":1080.6449,"sentiment":"neutral","sentiment_score":0.11729376763105392},{"text":"Yep.","start":1080.6449,"end":1081.1449,"sentiment":"neutral","sentiment_score":0.08257175981998444},{"text":"Yep.","start":1086.5,"end":1087.0,"sentiment":"negative","sentiment_score":-0.4457807242870331}],"sentiment":"neutral","sentiment_score":-0.04149341285228729,"num_words":5,"start":1071.9901,"end":1087.0},{"sentences":[{"text":"Yep.","start":1088.1799,"end":1088.6799,"sentiment":"negative","sentiment_score":-0.5148675441741943},{"text":"Yeah.","start":1104.4349,"end":1104.595,"sentiment":"neutral","sentiment_score":-0.055319033563137054},{"text":"Yeah.","start":1104.595,"end":1105.095,"sentiment":"neutral","sentiment_score":-0.003759153187274933},{"text":"For insurance.","start":1105.235,"end":1105.975,"sentiment":"neutral","sentiment_score":-0.06368771567940712},{"text":"Yep.","start":1106.275,"end":1106.775,"sentiment":"neutral","sentiment_score":-0.17645680904388428}],"sentiment":"neutral","sentiment_score":-0.1462963285545508,"num_words":6,"start":1088.1799,"end":1106.775},{"sentences":[{"text":"Yep.","start":1107.5549,"end":1108.0549,"sentiment":"neutral","sentiment_score":0.21273505687713623},{"text":"Yep.","start":1108.115,"end":1108.615,"sentiment":"neutral","sentiment_score":0.3095462918281555},{"text":"And it actually has given.","start":1111.89,"end":1113.17,"sentiment":"positive","sentiment_score":0.4717912614345551},{"text":"So I'll just kind of leave this for now, assuming your your concept behind risk stays the same if we then jump through your investment returns.","start":1113.17,"end":1120.55,"sentiment":"neutral","sentiment_score":0.03301327546628622},{"text":"So in in the documents, when you do have a look through them, you will see a couple of attachments first.","start":1120.9299,"end":1126.505,"sentiment":"neutral","sentiment_score":0.05664406131420817}],"sentiment":"neutral","sentiment_score":0.09127977973333111,"num_words":54,"start":1107.5549,"end":1126.505},{"sentences":[{"text":"So we have recently changed the software.","start":1126.505,"end":1128.445,"sentiment":"neutral","sentiment_score":0.07547929616911071},{"text":"So when you click on the the email, before you click on the link where it says sign now, you will have a range of different attachments.","start":1128.825,"end":1136.7,"sentiment":"neutral","sentiment_score":0.057185465883877545},{"text":"Now these are just there for your reference.","start":1136.84,"end":1138.84,"sentiment":"neutral","sentiment_score":0.11941689439117908},{"text":"You don't need to sign them.","start":1138.84,"end":1140.46,"sentiment":"neutral","sentiment_score":0.06716046916941802},{"text":"One of those documents is a twelve month performance report, which is exactly what you are asking, which is asking how the portfolio has performed in the last twelve months.","start":1141.0,"end":1151.995,"sentiment":"neutral","sentiment_score":0.14450765028595924}],"sentiment":"neutral","sentiment_score":0.09956269398427163,"num_words":78,"start":1126.505,"end":1151.995},{"sentences":[{"text":"Now the last twelve months have been, obviously, quite volatile and seen a bit of fluctuations.","start":1152.295,"end":1158.4751,"sentiment":"neutral","sentiment_score":-0.1577357524074614},{"text":"You have obviously everything going over in The US, and you had Trump and tariffs and everything, and, obviously, more recently, everything with the war.","start":1158.6951,"end":1164.87,"sentiment":"neutral","sentiment_score":-0.14698704242706298},{"text":"So there's been a bit of a, you know, tricky twelve months.","start":1164.87,"end":1168.41,"sentiment":"neutral","sentiment_score":-0.21301860238114992},{"text":"In saying that, though, your portfolio overall have done pretty good.","start":1169.11,"end":1173.21,"sentiment":"positive","sentiment_score":0.384445921941237},{"text":"So in the last twelve months, now this is net of all fees.","start":1173.51,"end":1177.6951,"sentiment":"neutral","sentiment_score":0.01795593649148941}],"sentiment":"neutral","sentiment_score":-0.055744662493854374,"num_words":77,"start":1152.295,"end":1177.6951},{"sentences":[{"text":"It would have been just at the beginning of the call today with you.","start":1179.835,"end":1183.435,"sentiment":"neutral","sentiment_score":-0.08656058460474014},{"text":"So Like fifteen minutes ago?","start":1183.435,"end":1186.495,"sentiment":"neutral","sentiment_score":-0.018109799921512605},{"text":"Yeah.","start":1189.3099,"end":1189.8099,"sentiment":"neutral","sentiment_score":0.04261886328458786},{"text":"Yes.","start":1190.75,"end":1191.25,"sentiment":"neutral","sentiment_score":0.16194036602973938},{"text":"Yeah.","start":1191.87,"end":1192.2699,"sentiment":"neutral","sentiment_score":0.1298786699771881}],"sentiment":"neutral","sentiment_score":-0.04399814930829135,"num_words":22,"start":1179.835,"end":1192.2699},{"sentences":[{"text":"Perfect.","start":1192.2699,"end":1192.7699,"sentiment":"neutral","sentiment_score":0.23017734289169312},{"text":"Yeah.","start":1199.325,"end":1199.565,"sentiment":"neutral","sentiment_score":-0.0007795616984367371},{"text":"So at the at the bottom of the email so before you click on the link, if you just open the email and scroll down, you should see a couple of PDF attachments.","start":1199.565,"end":1208.5449,"sentiment":"neutral","sentiment_score":0.028751752536856766},{"text":"And there should be one, two, three, four, five.","start":1223.275,"end":1225.755,"sentiment":"neutral","sentiment_score":0.03607307540045844},{"text":"Should be about five.","start":1225.755,"end":1226.895,"sentiment":"neutral","sentiment_score":0.06449627876281738}],"sentiment":"neutral","sentiment_score":0.03668434184510261,"num_words":48,"start":1192.2699,"end":1226.895},{"sentences":[{"text":"It didn't have any attachments to the email?","start":1243.6901,"end":1246.1901,"sentiment":"neutral","sentiment_score":-0.1061764108017087},{"text":"Yeah.","start":1251.0651,"end":1251.385,"sentiment":"neutral","sentiment_score":-0.04661281406879425},{"text":"And that's it says it came from myself, Veronica, or was that a newsletter you were looking at?","start":1251.385,"end":1257.005,"sentiment":"neutral","sentiment_score":-0.08530987716383404},{"text":"Because that sounded like yeah.","start":1257.0651,"end":1259.805,"sentiment":"neutral","sentiment_score":-0.20987772345542907},{"text":"Because it sounded like one of the newsletters.","start":1260.6799,"end":1263.1799,"sentiment":"neutral","sentiment_score":-0.22275124303996563}],"sentiment":"neutral","sentiment_score":-0.13157501127570867,"num_words":40,"start":1243.6901,"end":1263.1799},{"sentences":[{"text":"Let me see.","start":1267.0,"end":1267.72,"sentiment":"neutral","sentiment_score":-0.06465667113661766},{"text":"If not, I can see if I can try to resend it for you.","start":1267.72,"end":1270.62,"sentiment":"neutral","sentiment_score":-0.12252991220780782},{"text":"Yeah.","start":1273.015,"end":1273.515,"sentiment":"positive","sentiment_score":0.35535839200019836},{"text":"Perfect.","start":1273.575,"end":1274.075,"sentiment":"positive","sentiment_score":0.6427164673805237},{"text":"So, yes, can you see couple of attachments before you click on the link where it says sign 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portfolio.","start":1294.31,"end":1297.05,"sentiment":"neutral","sentiment_score":0.04172188246792013}],"sentiment":"neutral","sentiment_score":0.04382249909011941,"num_words":19,"start":1287.11,"end":1297.05},{"sentences":[{"text":"Yes.","start":1299.425,"end":1299.925,"sentiment":"neutral","sentiment_score":0.05810800939798355},{"text":"Now this one here shows everything return wise net of fee.","start":1302.2251,"end":1307.125,"sentiment":"neutral","sentiment_score":0.08313353596763177},{"text":"So after advice fees, after administration platform fees, all of it, net of fees.","start":1307.5851,"end":1313.96,"sentiment":"neutral","sentiment_score":0.06769427710345813},{"text":"Now this shows you a twelve month period.","start":1314.42,"end":1317.16,"sentiment":"neutral","sentiment_score":0.25065307691693306},{"text":"And during that twelve month period, your portfolio, despite the fluctuations we have had in the last twelve months, have still gone up by 12.28%, which is which is pretty good in, you know, everything that has happened in the last twelve months.","start":1317.78,"end":1334.985,"sentiment":"positive","sentiment_score":0.3790985449802044}],"sentiment":"neutral","sentiment_score":0.2626851796620078,"num_words":77,"start":1299.425,"end":1334.985},{"sentences":[{"text":"So quite happy with that outcome from a purse twelve 12.28.","start":1334.985,"end":1342.79,"sentiment":"positive","sentiment_score":0.3558493965220722},{"text":"Yep.","start":1343.61,"end":1344.11,"sentiment":"neutral","sentiment_score":0.04443752020597458},{"text":"Yep.","start":1346.57,"end":1347.07,"sentiment":"neutral","sentiment_score":0.04126868396997452},{"text":"So that's in the super summary, but I can open it for you.","start":1351.05,"end":1354.41,"sentiment":"neutral","sentiment_score":0.07970024014894779},{"text":"You can have a look at it later if you would like.","start":1354.41,"end":1358.195,"sentiment":"neutral","sentiment_score":0.08237299354126056}],"sentiment":"neutral","sentiment_score":0.1585428581671103,"num_words":38,"start":1334.985,"end":1358.195},{"sentences":[{"text":"But your hub twenty four account right now is at 176,680 and 8¢.","start":1358.195,"end":1367.335,"sentiment":"neutral","sentiment_score":0.041771734754244484},{"text":"Yeah.","start":1373.01,"end":1373.4099,"sentiment":"neutral","sentiment_score":0.02609371207654476},{"text":"Let me have a look.","start":1373.4099,"end":1374.53,"sentiment":"neutral","sentiment_score":0.025957971438765527},{"text":"It's actually in that report you are in right now.","start":1374.53,"end":1379.11,"sentiment":"neutral","sentiment_score":0.032307876739650965},{"text":"So at the start of sorry.","start":1379.57,"end":1382.2251,"sentiment":"neutral","sentiment_score":0.006049908697605133}],"sentiment":"neutral","sentiment_score":0.02989772370304255,"num_words":35,"start":1358.195,"end":1382.2251},{"sentences":[{"text":"The the 04/09/2025, the starting balance was a 145,103 and 66¢.","start":1382.2251,"end":1393.6051,"sentiment":"neutral","sentiment_score":0.023210498876869677},{"text":"Let me I can calculate it for you.","start":1400.75,"end":1402.4299,"sentiment":"neutral","sentiment_score":0.00131689989939332},{"text":"Sorry.","start":1402.4299,"end":1402.83,"sentiment":"neutral","sentiment_score":-0.022858070209622383},{"text":"It went from so now it's a $176.06 80 and 8¢ and starting at $248.66.","start":1402.83,"end":1414.745,"sentiment":"neutral","sentiment_score":-0.0027203993605715887},{"text":"That is up by after fees, so up by 31,576.","start":1414.965,"end":1421.385,"sentiment":"neutral","sentiment_score":0.07386216744780541}],"sentiment":"neutral","sentiment_score":0.02140274886475053,"num_words":45,"start":1382.2251,"end":1421.385},{"sentences":[{"text":"And with your portfolio as well, because, obviously, things are always involving.","start":1425.53,"end":1429.63,"sentiment":"neutral","sentiment_score":0.0915184070666631},{"text":"It's always changing.","start":1429.77,"end":1431.15,"sentiment":"neutral","sentiment_score":0.062060050666332245},{"text":"And we do a lot of research on the different investments because what we obviously recommended when you came on board has done really has done pretty good for you, but it doesn't mean it's always going to be the case.","start":1431.69,"end":1443.365,"sentiment":"neutral","sentiment_score":0.3188863134965664},{"text":"So things are always changing.","start":1443.825,"end":1445.585,"sentiment":"neutral","sentiment_score":0.07527008131146432},{"text":"So we've we've done a lot of analysis and investment research on the different investments.","start":1445.585,"end":1451.6849,"sentiment":"neutral","sentiment_score":0.1858319212992986}],"sentiment":"neutral","sentiment_score":0.23056011995006548,"num_words":76,"start":1425.53,"end":1451.6849},{"sentences":[{"text":"And there is one particular investment that I would like to do a bit more research to potentially swap out for you, which is your Benelong Australian equity.","start":1452.25,"end":1462.83,"sentiment":"neutral","sentiment_score":0.20719031670263835},{"text":"The reason I do wanna look at swapping that if you are comfortable with it is that when you came on board, it was one of the best performing fund managers that were doing really well.","start":1463.45,"end":1472.405,"sentiment":"neutral","sentiment_score":0.3255634593466918},{"text":"This one is a little bit more expensive because it has your active management.","start":1472.7051,"end":1477.365,"sentiment":"neutral","sentiment_score":-0.01083438630614962},{"text":"So what I mean by that is that they are a managed fund trying to actively buy and sell different investments in order to kinda outperform the market.","start":1478.11,"end":1488.37,"sentiment":"neutral","sentiment_score":0.07423233746417932},{"text":"Like I said, they had done really well.","start":1489.39,"end":1491.3099,"sentiment":"neutral","sentiment_score":0.2377461977303028}],"sentiment":"neutral","sentiment_score":0.18728427216410637,"num_words":114,"start":1452.25,"end":1491.3099},{"sentences":[{"text":"More recently, not so much.","start":1491.3099,"end":1493.325,"sentiment":"neutral","sentiment_score":-0.05161759331822395},{"text":"They've kind of underperformed a little bit lately.","start":1493.325,"end":1496.385,"sentiment":"neutral","sentiment_score":-0.17657959833741188},{"text":"There's been a few factors of why they have kind of underperformed.","start":1497.1649,"end":1500.225,"sentiment":"neutral","sentiment_score":-0.14932977904876074},{"text":"Some of it is there.","start":1500.845,"end":1501.8049,"sentiment":"neutral","sentiment_score":-0.1455646276473999},{"text":"They've been a little bit slower in making the choices.","start":1501.8049,"end":1504.865,"sentiment":"neutral","sentiment_score":-0.2737667888402939}],"sentiment":"neutral","sentiment_score":-0.17320432821288706,"num_words":40,"start":1491.3099,"end":1504.865},{"sentences":[{"text":"Also, some of the selections they have made haven't turned out.","start":1505.6449,"end":1509.1849,"sentiment":"neutral","sentiment_score":-0.12652107328176498},{"text":"But then also one of the investments that they had in their portfolio was the corporate travel group, which had a bit of issues with reporting, which meant that they were suspended from trading.","start":1509.32,"end":1519.98,"sentiment":"neutral","sentiment_score":-0.042590156307115275},{"text":"So all in all, we would like to look at swapping this for something that's doing a little bit better for you moving forward.","start":1520.44,"end":1526.4249,"sentiment":"neutral","sentiment_score":0.1829503249997894},{"text":"So are you happy for me to kind of do a bit more than in-depth on the investments to see if we can, you know, find some better options for you?","start":1527.285,"end":1535.465,"sentiment":"neutral","sentiment_score":0.2789716047625388},{"text":"Yep.","start":1536.77,"end":1537.27,"sentiment":"neutral","sentiment_score":0.16209691762924194}],"sentiment":"neutral","sentiment_score":0.10258640935367877,"num_words":101,"start":1505.6449,"end":1537.27},{"sentences":[{"text":"Great.","start":1537.49,"end":1537.99,"sentiment":"positive","sentiment_score":0.4557189643383026},{"text":"Now it will take me about seven days or so to do that.","start":1538.21,"end":1543.19,"sentiment":"neutral","sentiment_score":0.2078841385933069},{"text":"Now when is the best time for me to kind of present all the research and the recommendation for you?","start":1544.9299,"end":1552.175,"sentiment":"neutral","sentiment_score":0.16107472144067286},{"text":"If we look at either the end of next week or the following week, when is typically better for you?","start":1552.555,"end":1561.295,"sentiment":"neutral","sentiment_score":0.0522758605889976},{"text":"Okay.","start":1566.57,"end":1566.97,"sentiment":"neutral","sentiment_score":0.2378518283367157}],"sentiment":"neutral","sentiment_score":0.13932865881784395,"num_words":55,"start":1537.49,"end":1566.97},{"sentences":[{"text":"Perfect.","start":1566.97,"end":1567.37,"sentiment":"positive","sentiment_score":0.4341118335723877},{"text":"Let me have a look.","start":1567.37,"end":1568.1699,"sentiment":"neutral","sentiment_score":0.18592335879802704},{"text":"Sorry about that 04:30 mark.","start":1568.1699,"end":1570.51,"sentiment":"neutral","sentiment_score":-0.13910553157329558},{"text":"Let me have a look here.","start":1572.49,"end":1574.0299,"sentiment":"neutral","sentiment_score":0.06905113160610199},{"text":"Most of my 04:30 is booked out next week.","start":1574.25,"end":1578.4049,"sentiment":"neutral","sentiment_score":0.04554520071380668}],"sentiment":"neutral","sentiment_score":0.057400560221419886,"num_words":26,"start":1566.97,"end":1578.4049},{"sentences":[{"text":"I could do a 04:30 at Thursday, April 23.","start":1578.4049,"end":1583.945,"sentiment":"neutral","sentiment_score":0.06249565382798513},{"text":"Would that work for you?","start":1584.6449,"end":1586.345,"sentiment":"neutral","sentiment_score":0.18560406863689421},{"text":"Yep.","start":1588.005,"end":1588.4049,"sentiment":"neutral","sentiment_score":0.19770710170269012},{"text":"Okay.","start":1588.4049,"end":1588.885,"sentiment":"positive","sentiment_score":0.3436911404132843},{"text":"Perfect.","start":1588.885,"end":1589.385,"sentiment":"positive","sentiment_score":0.5747934579849243}],"sentiment":"neutral","sentiment_score":0.15333370163160212,"num_words":17,"start":1578.4049,"end":1589.385},{"sentences":[{"text":"Now that will kind of have a bit more in-depth with the investments, a bit of an updated projections, and how things are tracking and going for you as well.","start":1590.04,"end":1598.54,"sentiment":"positive","sentiment_score":0.4482965091864268},{"text":"And and part of the research, I do wanted to check as well if you are open for me to research the SMA concept or whether that is not something you would like.","start":1599.48,"end":1608.725,"sentiment":"neutral","sentiment_score":0.056486343344052635},{"text":"So I'm not sure if you've read some of the newsletters recently.","start":1608.865,"end":1612.885,"sentiment":"neutral","sentiment_score":-0.04196327164148291},{"text":"No.","start":1615.105,"end":1615.505,"sentiment":"neutral","sentiment_score":-0.14231088757514954},{"text":"That's okay.","start":1615.505,"end":1616.065,"sentiment":"neutral","sentiment_score":-0.08814340829849243}],"sentiment":"neutral","sentiment_score":0.18577932874457195,"num_words":78,"start":1590.04,"end":1616.065},{"sentences":[{"text":"Most people say the same.","start":1616.065,"end":1617.445,"sentiment":"neutral","sentiment_score":-0.04507074728608131},{"text":"Essentially, what we what we have done is we have teamed up with BlackRock, which you may have heard of.","start":1618.98,"end":1626.2001,"sentiment":"neutral","sentiment_score":0.10420097429305315},{"text":"They are one of the biggest fund managers in the world, but we've teamed up with them to create something that's called an SMA.","start":1626.5801,"end":1633.555,"sentiment":"neutral","sentiment_score":0.12634319408486286},{"text":"So it's a self managed account.","start":1634.0951,"end":1636.1151,"sentiment":"neutral","sentiment_score":0.14302699267864227},{"text":"Basically, how that works, it still loads investments and everything like that.","start":1637.295,"end":1641.155,"sentiment":"neutral","sentiment_score":0.16216115777691206}],"sentiment":"neutral","sentiment_score":0.11485072025167409,"num_words":67,"start":1616.065,"end":1641.155},{"sentences":[{"text":"The concept is a little bit different to how you are currently set up, which your current setup would be more what we would call, like, your model portfolio where you can obviously when you go into your hub 24, you can see each and every single one of your investments.","start":1641.2151,"end":1655.65,"sentiment":"neutral","sentiment_score":0.10638569207752452},{"text":"Now if we wanna make a change, so if, for example, now we we look at Van Alung and we go, oh, there might be some better option, we would obviously go and do all the research for you.","start":1656.03,"end":1665.8949,"sentiment":"neutral","sentiment_score":0.07767617812332435},{"text":"I would have to present everything in your statement of advice, which is what we are doing in a few weeks.","start":1665.8949,"end":1672.83,"sentiment":"neutral","sentiment_score":0.10565672743888128},{"text":"You would read over it.","start":1673.07,"end":1674.85,"sentiment":"neutral","sentiment_score":0.0561868173070252},{"text":"I have to approve and sign it before I can make a change.","start":1675.5499,"end":1679.01,"sentiment":"neutral","sentiment_score":0.05657296541791696}],"sentiment":"neutral","sentiment_score":0.09062182291432522,"num_words":129,"start":1641.2151,"end":1679.01},{"sentences":[{"text":"So it gives you kind of full transparency in making a change.","start":1679.71,"end":1683.4099,"sentiment":"neutral","sentiment_score":0.16969743557274342},{"text":"The downside is that it takes obviously a lot longer to do it.","start":1683.63,"end":1687.635,"sentiment":"neutral","sentiment_score":-0.19822487521630067},{"text":"Sometimes with investments, you obviously want to make decisions as quickly as possible before things change.","start":1687.9349,"end":1694.415,"sentiment":"neutral","sentiment_score":0.04010894102975726},{"text":"So the concept of the SMA and why we have started that as well is that with the SMA is you invest in a portfolio.","start":1694.415,"end":1703.3799,"sentiment":"neutral","sentiment_score":0.09774458453059197},{"text":"In the portfolio, you still have a range of different individual investments similar to what you have now.","start":1704.0,"end":1709.22,"sentiment":"neutral","sentiment_score":0.07658843344284429}],"sentiment":"neutral","sentiment_score":0.04670708715206101,"num_words":84,"start":1679.71,"end":1709.22},{"sentences":[{"text":"But how it works is that if, for example, we see that we do wanna swap out Benelon, we can do that in the back end quickly for you.","start":1709.5199,"end":1717.9149,"sentiment":"neutral","sentiment_score":0.15475597951946587},{"text":"You don't have to approve or change anything.","start":1718.375,"end":1720.955,"sentiment":"neutral","sentiment_score":0.1376710394397378},{"text":"We can do that because you invest in the SMA.","start":1721.495,"end":1724.1549,"sentiment":"neutral","sentiment_score":0.24048160016536713},{"text":"The only thing is we would go and do those changes for you as long as it's going to put you in a better position, and you don't have to go through the s m the SOA process.","start":1724.855,"end":1734.3099,"sentiment":"neutral","sentiment_score":0.16114172143371483},{"text":"Some clients think it's great because that means we can be a bit more proactive and do it quicker, whereas some clients do prefer that it's okay for it to take a bit longer because you want that full you would like to decide off the changes before we make them.","start":1735.01,"end":1748.595,"sentiment":"neutral","sentiment_score":0.09970205138419189}],"sentiment":"neutral","sentiment_score":0.14119336586993406,"num_words":136,"start":1709.5199,"end":1748.595},{"sentences":[{"text":"So it's ultimately what you are comfortable with, and if that is something that you're open for me to research as part of it if it's going to put in a better position or whether you don't like that at all.","start":1748.595,"end":1759.77,"sentiment":"neutral","sentiment_score":0.0364388864169397},{"text":"Okay.","start":1763.27,"end":1763.77,"sentiment":"neutral","sentiment_score":0.01678480952978134},{"text":"So whatever is kind of, like, the cheapest and puts the best return, you don't really mind.","start":1764.79,"end":1769.61,"sentiment":"neutral","sentiment_score":-0.07122297343962333},{"text":"Okay.","start":1770.045,"end":1770.285,"sentiment":"neutral","sentiment_score":0.15164034068584442},{"text":"Perfect.","start":1770.285,"end":1770.785,"sentiment":"positive","sentiment_score":0.4161156415939331}],"sentiment":"neutral","sentiment_score":0.014225321089024426,"num_words":61,"start":1748.595,"end":1770.785},{"sentences":[{"text":"I will research it, and then whichever option and we have a lot of other options as well.","start":1771.245,"end":1776.6051,"sentiment":"neutral","sentiment_score":0.22440114782916176},{"text":"Whichever one is going to give you the most at the end of it, I will recommend, and then you can still obviously decide from there what you would like to do.","start":1776.6051,"end":1785.78,"sentiment":"neutral","sentiment_score":0.3195595694705844},{"text":"Yes.","start":1786.98,"end":1787.48,"sentiment":"positive","sentiment_score":0.4437883496284485},{"text":"Great.","start":1788.1,"end":1788.5801,"sentiment":"positive","sentiment_score":0.7217092514038086},{"text":"Perfect.","start":1788.5801,"end":1789.0801,"sentiment":"neutral","sentiment_score":0.08836383372545242}],"sentiment":"neutral","sentiment_score":0.29281110035360985,"num_words":53,"start":1771.245,"end":1789.0801},{"sentences":[{"text":"Now the last couple of things there, Matthew, for you is we've already gone through your super balance.","start":1789.38,"end":1795.22,"sentiment":"neutral","sentiment_score":0.056810970314674906},{"text":"You have the services guide like you kind of touched on.","start":1795.22,"end":1798.3401,"sentiment":"neutral","sentiment_score":0.07484108751470392},{"text":"They're just some updated updated for you.","start":1798.3401,"end":1801.48,"sentiment":"neutral","sentiment_score":0.09269461355039052},{"text":"It's one of those compliance documents.","start":1802.085,"end":1803.945,"sentiment":"neutral","sentiment_score":0.09373047947883606},{"text":"You can have a read over in your own time.","start":1804.245,"end":1806.245,"sentiment":"neutral","sentiment_score":0.09456193521618843}],"sentiment":"neutral","sentiment_score":0.07697526831179857,"num_words":52,"start":1789.38,"end":1806.245},{"sentences":[{"text":"We've had a bit of an extension to the team, a bit of a revamp of marketing.","start":1806.245,"end":1809.945,"sentiment":"neutral","sentiment_score":0.12670419847264008},{"text":"It's all in there for you to have a bit of a read over.","start":1810.245,"end":1813.465,"sentiment":"neutral","sentiment_score":0.16675583805356706},{"text":"You will also have your Vanguard index chart similar to last year, just a bit of an updated version.","start":1814.6901,"end":1820.61,"sentiment":"neutral","sentiment_score":0.17125577440387324},{"text":"It's a good visual representation of what kind of happened in, you know, the market historically looking at things.","start":1820.61,"end":1828.47,"sentiment":"positive","sentiment_score":0.3938010993756746},{"text":"And I do wanna just triple check as well that you are still comfortable in a growth portfolio, which is how you are currently invested.","start":1829.235,"end":1837.415,"sentiment":"neutral","sentiment_score":0.1646665869653225}],"sentiment":"neutral","sentiment_score":0.20575849343329033,"num_words":94,"start":1806.245,"end":1837.415},{"sentences":[{"text":"So in terms of lack of risk and level of fluctuation, are you comfortable with with the growth?","start":1837.475,"end":1843.02,"sentiment":"neutral","sentiment_score":0.05038533007933034},{"text":"You're just looking at changing your investments a little bit?","start":1843.02,"end":1845.76,"sentiment":"neutral","sentiment_score":0.05382953677326441},{"text":"Yeah.","start":1847.74,"end":1848.24,"sentiment":"neutral","sentiment_score":0.1627363562583923},{"text":"The growth's good.","start":1848.54,"end":1849.42,"sentiment":"positive","sentiment_score":0.4659673074881236},{"text":"Great.","start":1849.42,"end":1849.82,"sentiment":"positive","sentiment_score":0.7432441711425781}],"sentiment":"neutral","sentiment_score":0.11360950784927065,"num_words":33,"start":1837.475,"end":1849.82},{"sentences":[{"text":"Perfect.","start":1849.82,"end":1850.32,"sentiment":"positive","sentiment_score":0.654436469078064},{"text":"Now the last thing is that when you have a look through if you click on the link when you have a moment, it will ask you to sign through documents.","start":1851.5,"end":1861.105,"sentiment":"neutral","sentiment_score":0.14158985811856487},{"text":"Now those two documents is an ongoing service agreement, and that's just to say that you are happy to stay on as a client.","start":1861.725,"end":1869.425,"sentiment":"positive","sentiment_score":0.35016750916838646},{"text":"There is no changes to the fees at all.","start":1869.83,"end":1871.99,"sentiment":"neutral","sentiment_score":0.14580723229381773},{"text":"It stays exactly the same at 1.65 from superannuation, and there is no lock in contract.","start":1871.99,"end":1878.39,"sentiment":"neutral","sentiment_score":0.20955256232991815}],"sentiment":"neutral","sentiment_score":0.22361541208293703,"num_words":81,"start":1849.82,"end":1878.39},{"sentences":[{"text":"So if at any point in time you are not happy, there is no lock in contract.","start":1878.39,"end":1882.09,"sentiment":"neutral","sentiment_score":0.06208112638662843},{"text":"But by finding that, allows us to stay on your account and service you in the meantime.","start":1882.475,"end":1887.4551,"sentiment":"neutral","sentiment_score":0.268522000488113},{"text":"And the last one is a tax file number opt in form just from a compliance point to say that we are keeping your tax file number secure on file.","start":1888.0751,"end":1896.255,"sentiment":"neutral","sentiment_score":0.19714756757020951},{"text":"Do you have any questions in regards to any of that?","start":1896.78,"end":1899.92,"sentiment":"neutral","sentiment_score":0.08854394270615144},{"text":"Mhmm.","start":1904.14,"end":1904.64,"sentiment":"neutral","sentiment_score":0.09080497920513152}],"sentiment":"neutral","sentiment_score":0.1657824806967064,"num_words":76,"start":1878.39,"end":1904.64},{"sentences":[{"text":"Yep.","start":1905.02,"end":1905.52,"sentiment":"neutral","sentiment_score":0.16596370935440063},{"text":"Perfect.","start":1905.66,"end":1906.16,"sentiment":"positive","sentiment_score":0.34533756971359253},{"text":"Correct.","start":1922.33,"end":1922.83,"sentiment":"neutral","sentiment_score":0.09742125868797302},{"text":"That's it.","start":1923.13,"end":1923.69,"sentiment":"neutral","sentiment_score":0.07825474441051483},{"text":"Yep.","start":1923.69,"end":1924.01,"sentiment":"neutral","sentiment_score":0.10807877779006958}],"sentiment":"neutral","sentiment_score":0.14555180072784424,"num_words":6,"start":1905.02,"end":1924.01},{"sentences":[{"text":"Just with hub 24.","start":1924.01,"end":1925.5499,"sentiment":"neutral","sentiment_score":0.08141865022480488},{"text":"And then once you've added the signature, I think it says set complete or something like that, it will then send it back to me, and I can load it to make sure that all came through.","start":1932.585,"end":1942.845,"sentiment":"neutral","sentiment_score":0.09267711498447366},{"text":"No.","start":1963.335,"end":1963.575,"sentiment":"neutral","sentiment_score":-0.27549442648887634},{"text":"It's a it's a victory.","start":1963.575,"end":1965.195,"sentiment":"neutral","sentiment_score":0.15874885395169258},{"text":"That's okay.","start":1965.495,"end":1966.135,"sentiment":"neutral","sentiment_score":0.26934564113616943}],"sentiment":"neutral","sentiment_score":0.09819732614013614,"num_words":49,"start":1924.01,"end":1966.135},{"sentences":[{"text":"You can take your time.","start":1966.135,"end":1967.355,"sentiment":"neutral","sentiment_score":0.2190977692604065},{"text":"I think it sometimes ask you to draw a signature too, which can be a little bit tricky.","start":1975.27,"end":1979.13,"sentiment":"neutral","sentiment_score":-0.10523512379990684},{"text":"Would you like a reminder text sent, like, two hours or so before the appointment on the twenty third in case anything changes for you?","start":2007.3151,"end":2014.6951,"sentiment":"neutral","sentiment_score":0.05392910160124302},{"text":"Yes.","start":2016.5951,"end":2017.0951,"sentiment":"neutral","sentiment_score":0.15987274050712583},{"text":"Okay.","start":2017.27,"end":2017.77,"sentiment":"neutral","sentiment_score":0.1818032264709473}],"sentiment":"neutral","sentiment_score":0.01782320249825716,"num_words":50,"start":1966.135,"end":2017.77},{"sentences":[{"text":"Perfect.","start":2028.47,"end":2028.97,"sentiment":"positive","sentiment_score":0.38693052530288696},{"text":"Is that going okay?","start":2041.7001,"end":2043.06,"sentiment":"neutral","sentiment_score":0.2493594028055668},{"text":"Are you having any issues?","start":2043.06,"end":2044.4401,"sentiment":"neutral","sentiment_score":-0.0011321671307086944},{"text":"Yeah.","start":2050.5,"end":2050.9,"sentiment":"neutral","sentiment_score":0.0345890112221241},{"text":"Sometimes when you add the signature, it automatically adds the date when you've done the signature.","start":2050.9,"end":2055.56,"sentiment":"neutral","sentiment_score":0.03294263477437198}],"sentiment":"neutral","sentiment_score":0.0718658692030995,"num_words":27,"start":2028.47,"end":2055.56},{"sentences":[{"text":"But maybe sometimes it's also which fine and stuff you use.","start":2057.7449,"end":2060.7249,"sentiment":"neutral","sentiment_score":-0.020971475338393993},{"text":"Yep.","start":2062.7048,"end":2063.2048,"sentiment":"neutral","sentiment_score":0.056162238121032715},{"text":"That typically does it.","start":2064.9448,"end":2068.2449,"sentiment":"neutral","sentiment_score":0.07140259072184563},{"text":"Yep.","start":2081.275,"end":2081.675,"sentiment":"neutral","sentiment_score":0.22127914428710935},{"text":"Perfect.","start":2081.675,"end":2082.175,"sentiment":"positive","sentiment_score":0.4455517530441284}],"sentiment":"neutral","sentiment_score":0.04321762608985106,"num_words":18,"start":2057.7449,"end":2082.175},{"sentences":[{"text":"I have seen that come through as well.","start":2082.235,"end":2084.415,"sentiment":"positive","sentiment_score":0.355647299438715},{"text":"Now it's also there if you do wanna download it on your end.","start":2084.955,"end":2087.995,"sentiment":"neutral","sentiment_score":0.25465240959937757},{"text":"We always keep a copy on file if you ever wanna request any documents as well.","start":2087.995,"end":2092.415,"sentiment":"neutral","sentiment_score":0.23242629412561655},{"text":"That's all come through.","start":2093.5298,"end":2094.65,"sentiment":"neutral","sentiment_score":0.2546843811869621},{"text":"I will get the team to repost the beneficiary form for you as well and have it prefilled.","start":2094.65,"end":2099.47,"sentiment":"neutral","sentiment_score":0.24476003564066356}],"sentiment":"neutral","sentiment_score":0.25930336597612347,"num_words":59,"start":2082.235,"end":2099.47},{"sentences":[{"text":"Before I do let you go, I do wanna just quickly confirm as well.","start":2100.17,"end":2103.21,"sentiment":"neutral","sentiment_score":0.08173426533383983},{"text":"I know you mentioned that you don't have any insurances at the moment, And I know that when you obviously came on board, a lot of insurance with truck drivers are not favorable when it comes through to risk and stuff like that.","start":2103.21,"end":2115.435,"sentiment":"neutral","sentiment_score":-0.16418022255218306},{"text":"Are you still happy to not have insurances, or what are your thoughts on insurances?","start":2115.575,"end":2120.075,"sentiment":"neutral","sentiment_score":-0.08784182146191596},{"text":"Yep.","start":2122.94,"end":2123.3398,"sentiment":"neutral","sentiment_score":0.10705739259719849},{"text":"Okay.","start":2123.3398,"end":2123.8398,"sentiment":"neutral","sentiment_score":0.1892638802528381}],"sentiment":"neutral","sentiment_score":-0.09374021492092996,"num_words":74,"start":2100.17,"end":2123.8398},{"sentences":[{"text":"Perfect.","start":2124.54,"end":2125.04,"sentiment":"neutral","sentiment_score":0.3294416666030884},{"text":"If anything does change, you know, down the track or anything like that, Matthew, just give me a call, and we can always reassess it.","start":2125.98,"end":2131.5999,"sentiment":"neutral","sentiment_score":-0.015302381291985512},{"text":"Otherwise, I will just focus on your superannuation at the moment just for the investments to see if we wanna swap out that Benelon and have a look at other portfolios just to make sure they're doing the best that it can for you.","start":2132.7,"end":2146.155,"sentiment":"neutral","sentiment_score":0.09530334678393873},{"text":"So that is all booked in on Thursday, April 23.","start":2146.2952,"end":2150.75,"sentiment":"neutral","sentiment_score":0.08074450083076953},{"text":"Like I said, if anything changes, you can't make the appointment, just let me know, and we can always get that reshuffled for you.","start":2150.89,"end":2157.0698,"sentiment":"neutral","sentiment_score":0.013391245777408281}],"sentiment":"neutral","sentiment_score":0.05066407980540624,"num_words":104,"start":2124.54,"end":2157.0698},{"sentences":[{"text":"Perfect.","start":2158.73,"end":2159.0498,"sentiment":"positive","sentiment_score":0.6324297189712524},{"text":"Do you have any other questions for me before I let you go this afternoon, Matthew?","start":2159.0498,"end":2162.865,"sentiment":"neutral","sentiment_score":0.19856255082413554},{"text":"Matthew?","start":2164.385,"end":2164.705,"sentiment":"neutral","sentiment_score":-0.01763380691409111},{"text":"No?","start":2164.705,"end":2165.025,"sentiment":"neutral","sentiment_score":0.02375227212905884},{"text":"That's great.","start":2165.025,"end":2165.7449,"sentiment":"positive","sentiment_score":0.6563259661197662}],"sentiment":"neutral","sentiment_score":0.24420004426723435,"num_words":21,"start":2158.73,"end":2165.7449},{"sentences":[{"text":"Perfect.","start":2165.7449,"end":2166.145,"sentiment":"positive","sentiment_score":0.7403517961502075},{"text":"Well, thank you so much for your time today, and I look forward to speaking with you on the twenty third.","start":2166.145,"end":2170.325,"sentiment":"positive","sentiment_score":0.7730724130358014},{"text":"No worries.","start":2172.305,"end":2173.045,"sentiment":"positive","sentiment_score":0.34054164588451385},{"text":"Speak soon.","start":2173.105,"end":2173.845,"sentiment":"neutral","sentiment_score":0.3305288851261139},{"text":"Bye.","start":2174.705,"end":2175.205,"sentiment":"neutral","sentiment_score":0.21940408647060392}],"sentiment":"positive","sentiment_score":0.6865339858664407,"num_words":27,"start":2165.7449,"end":2175.205}]}}]},{"alternatives":[{"transcript":"Hello? Speaking. Good. Thanks. Good. Yep. Yep. Yep. It should be fine. I'm just about to turn the truck off. Actually, good timing. Yes. That's fine. Matthew James Cadwell, 02/03/1983, and 630 Millstream Road At Cedarvale 4285. Busy. Busy. Hot. Yeah. That's fine. Just to just to catch up to see how things are going, really. Yeah. Yeah. That's correct. Yes. Yep. Yep. That's the same. Yes. Same thing. Yep. Same company. I think so far, year to date, it would be it's about $1.40 at the moment. Should be around the one 1 60. Yeah. Yes. Yeah. Yeah. That's that's with overtime. We do overtime every every day pretty much. So yeah. What do you mean by that? Yeah. Well, I think it's I think it's different every week, so it must be based on your overtime. Yeah. Yes. No. No. Yep. I'd say it's probably 900. Yep. That's correct. Yep. Yep. Yep. Yep. Still the same. Yep. No. No. Nothing. Nothing. Yes. Still the case. No. This is the same. No no changes. No. I don't. No. No. No. I probably did and I just yeah. I hadn't done it. Yeah. Well, I think I did talk to the person last year, and they said you had to fill all the stuff out and pretty much do a a legal will kit for it to to be worth doing. Yeah. So I I I basically can't put anyone down there because I'm I'm single and I don't have kids or anything. So yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yeah. Okay. Might have to resend it. I I don't I don't think I've got it on there. Post is easy. Yeah. I don't have a printer. So that so if I if I have to do the wheel kit, is there any is there anything that I actually fill out on that form then? Okay. Yep. Yeah. Okay. Yep. Yep. So I so I have to get like, do the wheel kit from the post office or something. Is that the easiest way? Or yep. Yep. Yep. Yeah. Okay. No worries. Yep. Okay. Yeah. If I pre prefill it. Yeah. So this is the first one. Yeah. So that's that's definitely what you want happens with it. Yeah. Yes. Yep. Yep. Yep. Yeah. Just just once and and to if I just yeah. Yeah. Yeah. Yep. Yeah. Yes. No. I haven't done it yet. I haven't been able to. No. Yeah. Definitely. Yeah. Oh, it'd be nice. Yeah. Yep. Yep. A direct light? No. Nothing. No. Well, it's sort that's a sort of hard question. They've asked me that, and I sent it to them last time. I need to know what's happened with my money over the last twelve months first. So then it's an educated decision to go, well, did I did I make good money compared to my friends and or family that, you know, that's in the same situation as me? Like, because I hear some of them say how much their super has gone up in the last twelve months sort of thing. And and then when you get your your report, sometimes you can be disappointed. Yeah. Yeah. Well, it's it's the same as the last last year. There's nothing's changed for me at all, and it was a hard hard decision last year to try and answer that question. Like I said, we could for an uneducated person for investing your money, that's that's why we've got people like you looking after it. You you should be able to recommend to us what the best thing is for us to do. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Well, it was it was yeah. I know. It it it's tricky and that and that's what I said to him. Like, it's hard to judge until you know what it's actually how it's performed for the last year. And, like, for me, comparing it to other workmates at work that are earning the same money, how much their super has gone up in the last twelve months. And then if mine hasn't gone up at least what theirs has, I'd be pretty disappointed because I don't have any insurances coming out of my super or anything. So straight away, I've got an extra $10,000 plus going into my super every year. Sort of thing like, well well, there's a lot of people paying $5,000 a year coming out of their super for for insurance and that. No. I don't have any of that. So it should be it should have went up a decent amount last year. Yeah. Where's where's when did you send this email? Sorry. I'll just just have a quick look. Oh, yeah. There it is. I feel like it's not. Is there an attachment or something? Or Just got all the global markets, Australian market, key themes to end the year, like, your holiday schedule, looking ahead, final thoughts, chat to our advisers, and that there's nothing else there. It doesn't look like it. I'm just opening up on my phone. It must be a new newsletter. Maybe I'm on the wrong one. Uh-huh. Oh, here it is. Just came through. Yep. Yep. Yep. Hang on. I'll go to the bottom. You got services guide, financial services guide, super summary, twelve month hub. The twelve month hub? Yep. Yeah. Yes. Wait. How much? 12.8. Twelve 0.28. Yeah. So what's the balance there now? So how much did that go up from last year? So it went up from, what, 104 what did you say? 140? Yep. Yep. Yep. That was not too bad. Yep. Yep. Yep. Yep. Yep. Yes. Definitely. Yeah. Yep. Yep. Probably, yeah, the same it's around the same time. It'll be late afternoon again. Yeah. Yep. Yep. That should be should be fine. Yeah. Yep. No. Yeah. No. Yep. Yep. Whatever's gonna give me the best results, I suppose. Yeah. Yes. Yep. Yes. Yep. Cool. That sounds good. Yep. Like, the yeah. The grape's good. Yeah. I'm just looking at this that sign now form thing. So this you say this is just an agreement just for you guys to keep looking after my Subaru for me? Yeah. Yeah. So and Not very friendly on the phone. Right. Oops. Yes, please. That'd be good. Yeah. Yeah. I just could be scrolling through it, and it wants me to fill in the dates and everything. Yeah. I don't know. Validate? Let me see what it does. Yeah. It says you'll get a signed document by email. Yep. Yep. Yep. Yeah. It's fine for now, I think. Yeah. Yep. Yep. Okay. No worries. No. No. That's it. Okay. Thank you. Thanks. 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Speaking. Good. Thanks. Good.\n\nYep. Yep. Yep. It should be fine. I'm just about to turn the truck off.\n\nActually, good timing. Yes. That's fine. Matthew James Cadwell, 02/03/1983, and 630 Millstream Road At Cedarvale 4285. Busy.\n\nBusy. Hot. Yeah. That's fine. Just to just to catch up to see how things are going, really.\n\nYeah. Yeah. That's correct. Yes. Yep.\n\nYep. That's the same. Yes. Same thing. Yep.\n\nSame company. I think so far, year to date, it would be it's about $1.40 at the moment. Should be around the one 1 60. Yeah. Yes.\n\nYeah. Yeah. That's that's with overtime. We do overtime every every day pretty much. So yeah.\n\nWhat do you mean by that? Yeah. Well, I think it's I think it's different every week, so it must be based on your overtime. Yeah. Yes.\n\nNo. No. Yep. I'd say it's probably 900. Yep.\n\nThat's correct. Yep. Yep. Yep. Yep.\n\nStill the same. Yep. No. No. Nothing.\n\nNothing. Yes. Still the case. No. This is the same.\n\nNo no changes. No. I don't. No. No.\n\nNo. I probably did and I just yeah. I hadn't done it. Yeah. Well, I think I did talk to the person last year, and they said you had to fill all the stuff out and pretty much do a a legal will kit for it to to be worth doing.\n\nYeah. So I I I basically can't put anyone down there because I'm I'm single and I don't have kids or anything. So yep. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yeah. Okay.\n\nMight have to resend it. I I don't I don't think I've got it on there. Post is easy. Yeah. I don't have a printer.\n\nSo that so if I if I have to do the wheel kit, is there any is there anything that I actually fill out on that form then? Okay. Yep. Yeah. Okay.\n\nYep. Yep. So I so I have to get like, do the wheel kit from the post office or something. Is that the easiest way? Or yep.\n\nYep. Yep. Yeah. Okay. No worries.\n\nYep. Okay. Yeah. If I pre prefill it. Yeah.\n\nSo this is the first one. Yeah. So that's that's definitely what you want happens with it. Yeah. Yes.\n\nYep. Yep. Yep. Yeah. Just just once and and to if I just yeah.\n\nYeah. Yeah. Yep. Yeah. Yes.\n\nNo. I haven't done it yet. I haven't been able to. No. Yeah.\n\nDefinitely. Yeah. Oh, it'd be nice. Yeah. Yep.\n\nYep. A direct light? No. Nothing. No.\n\nWell, it's sort that's a sort of hard question. They've asked me that, and I sent it to them last time. I need to know what's happened with my money over the last twelve months first. So then it's an educated decision to go, well, did I did I make good money compared to my friends and or family that, you know, that's in the same situation as me? Like, because I hear some of them say how much their super has gone up in the last twelve months sort of thing.\n\nAnd and then when you get your your report, sometimes you can be disappointed. Yeah. Yeah. Well, it's it's the same as the last last year. There's nothing's changed for me at all, and it was a hard hard decision last year to try and answer that question.\n\nLike I said, we could for an uneducated person for investing your money, that's that's why we've got people like you looking after it. You you should be able to recommend to us what the best thing is for us to do. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Well, it was it was yeah. I know.\n\nIt it it's tricky and that and that's what I said to him. Like, it's hard to judge until you know what it's actually how it's performed for the last year. And, like, for me, comparing it to other workmates at work that are earning the same money, how much their super has gone up in the last twelve months. And then if mine hasn't gone up at least what theirs has, I'd be pretty disappointed because I don't have any insurances coming out of my super or anything. So straight away, I've got an extra $10,000 plus going into my super every year.\n\nSort of thing like, well well, there's a lot of people paying $5,000 a year coming out of their super for for insurance and that. No. I don't have any of that. So it should be it should have went up a decent amount last year. Yeah.\n\nWhere's where's when did you send this email? Sorry. I'll just just have a quick look. Oh, yeah. There it is.\n\nI feel like it's not. Is there an attachment or something? Or Just got all the global markets, Australian market, key themes to end the year, like, your holiday schedule, looking ahead, final thoughts, chat to our advisers, and that there's nothing else there. It doesn't look like it. I'm just opening up on my phone.\n\nIt must be a new newsletter. Maybe I'm on the wrong one. Uh-huh. Oh, here it is. Just came through.\n\nYep. Yep. Yep. Hang on. I'll go to the bottom.\n\nYou got services guide, financial services guide, super summary, twelve month hub. The twelve month hub? Yep. Yeah. Yes.\n\nWait. How much? 12.8. Twelve 0.28. Yeah.\n\nSo what's the balance there now? So how much did that go up from last year? So it went up from, what, 104 what did you say? 140? Yep.\n\nYep. Yep. That was not too bad. Yep. Yep.\n\nYep. Yep. Yep. Yes. Definitely.\n\nYeah. Yep. Yep. Probably, yeah, the same it's around the same time. It'll be late afternoon again.\n\nYeah. Yep. Yep. That should be should be fine. Yeah.\n\nYep. No. Yeah. No. Yep.\n\nYep. Whatever's gonna give me the best results, I suppose. Yeah. Yes. Yep.\n\nYes. Yep. Cool. That sounds good. Yep.\n\nLike, the yeah. The grape's good. Yeah. I'm just looking at this that sign now form thing. So this you say this is just an agreement just for you guys to keep looking after my Subaru for me?\n\nYeah. Yeah. So and Not very friendly on the phone. Right. Oops.\n\nYes, please. That'd be good. Yeah. Yeah. I just could be scrolling through it, and it wants me to fill in the dates and everything.\n\nYeah. I don't know. Validate? Let me see what it does. Yeah.\n\nIt says you'll get a signed document by email. Yep. Yep. Yep. Yeah.\n\nIt's fine for now, I think. Yeah. Yep. Yep. Okay.\n\nNo worries. No. No. That's it. Okay.\n\nThank you. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.05237391218543053},{"text":"Speaking.","start":4.64,"end":5.14,"sentiment":"neutral","sentiment_score":0.06595301628112793},{"text":"Good.","start":9.12,"end":9.28,"sentiment":"positive","sentiment_score":0.6309232115745544},{"text":"Thanks.","start":9.28,"end":9.76,"sentiment":"positive","sentiment_score":0.7006393671035767},{"text":"Good.","start":9.76,"end":10.26,"sentiment":"positive","sentiment_score":0.7023864984512329}],"sentiment":"positive","sentiment_score":0.4304552011191845,"num_words":5,"start":1.1999999,"end":10.26},{"sentences":[{"text":"Yep.","start":18.185,"end":18.505001,"sentiment":"neutral","sentiment_score":0.006043754052370787},{"text":"Yep.","start":18.505001,"end":18.905,"sentiment":"neutral","sentiment_score":0.020098885521292686},{"text":"Yep.","start":18.905,"end":19.385,"sentiment":"neutral","sentiment_score":0.07186223566532135},{"text":"It 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yeah.","start":1062.31,"end":1065.03,"sentiment":"neutral","sentiment_score":0.007949401624500751},{"text":"I know.","start":1065.03,"end":1065.6901,"sentiment":"neutral","sentiment_score":-0.16548646986484528}],"sentiment":"neutral","sentiment_score":-0.016195666468278927,"num_words":11,"start":1046.855,"end":1065.6901},{"sentences":[{"text":"It it it's tricky and that and that's what I said to him.","start":1066.975,"end":1069.615,"sentiment":"neutral","sentiment_score":-0.1639927109846702},{"text":"Like, it's hard to judge until you know what it's actually how it's performed for the last year.","start":1069.615,"end":1074.4349,"sentiment":"neutral","sentiment_score":-0.048071192370520696},{"text":"And, like, for me, comparing it to other workmates at work that are earning the same money, how much their super has gone up in the last twelve months.","start":1074.575,"end":1082.98,"sentiment":"neutral","sentiment_score":0.17862392525220738},{"text":"And then if mine hasn't gone up at least what theirs has, I'd be pretty disappointed because I don't have any insurances coming out of my super or anything.","start":1083.04,"end":1092.0,"sentiment":"negative","sentiment_score":-0.3567695954236491},{"text":"So straight away, I've got an extra $10,000 plus going into my super every year.","start":1092.0,"end":1097.795,"sentiment":"neutral","sentiment_score":-0.019650207832455635}],"sentiment":"neutral","sentiment_score":-0.08132850248008393,"num_words":104,"start":1066.975,"end":1097.795},{"sentences":[{"text":"Sort of thing like, well well, there's a lot of people paying $5,000 a year coming out of their super for for insurance and that.","start":1098.895,"end":1106.08,"sentiment":"neutral","sentiment_score":-0.027142990976572037},{"text":"No.","start":1106.08,"end":1106.24,"sentiment":"neutral","sentiment_score":-0.25567227602005005},{"text":"I don't have any of that.","start":1106.24,"end":1107.2799,"sentiment":"neutral","sentiment_score":-0.23247036089499792},{"text":"So it should be it should have went up a decent amount last year.","start":1107.2799,"end":1111.38,"sentiment":"positive","sentiment_score":0.4247186928987503},{"text":"Yeah.","start":1121.485,"end":1121.985,"sentiment":"neutral","sentiment_score":0.07325772941112518}],"sentiment":"neutral","sentiment_score":0.07851596200402747,"num_words":47,"start":1098.895,"end":1121.985},{"sentences":[{"text":"Where's where's when did you send this email?","start":1176.135,"end":1178.635,"sentiment":"neutral","sentiment_score":-0.020005415892228484},{"text":"Sorry.","start":1178.6951,"end":1179.1951,"sentiment":"neutral","sentiment_score":-0.12863188982009888},{"text":"I'll just just have a quick look.","start":1187.0951,"end":1188.9551,"sentiment":"neutral","sentiment_score":-0.002060039235012872},{"text":"Oh, yeah.","start":1189.175,"end":1189.495,"sentiment":"neutral","sentiment_score":0.022841869853436947},{"text":"There it is.","start":1189.495,"end":1190.13,"sentiment":"neutral","sentiment_score":0.07281323025623958}],"sentiment":"neutral","sentiment_score":-0.0018558124346392496,"num_words":21,"start":1176.135,"end":1190.13},{"sentences":[{"text":"I feel like it's not.","start":1190.29,"end":1194.95,"sentiment":"neutral","sentiment_score":0.09212684258818626},{"text":"Is there an attachment or something?","start":1196.85,"end":1198.61,"sentiment":"neutral","sentiment_score":-0.030482554497818153},{"text":"Or Just got all the global markets, Australian market, key themes to end the year, like, your holiday schedule, looking ahead, final thoughts, chat to our advisers, and that there's nothing else there.","start":1198.61,"end":1241.005,"sentiment":"neutral","sentiment_score":0.0724913939043428},{"text":"It doesn't look like it.","start":1246.86,"end":1248.48,"sentiment":"neutral","sentiment_score":-0.19528925716876983},{"text":"I'm just opening up on my phone.","start":1248.78,"end":1250.7201,"sentiment":"neutral","sentiment_score":-0.12016034658466067}],"sentiment":"neutral","sentiment_score":0.015221181658229657,"num_words":56,"start":1190.29,"end":1250.7201},{"sentences":[{"text":"It must be a new newsletter.","start":1257.26,"end":1258.7201,"sentiment":"neutral","sentiment_score":-0.2447974905371666},{"text":"Maybe I'm on the wrong one.","start":1258.9401,"end":1260.195,"sentiment":"neutral","sentiment_score":-0.2601301694909732},{"text":"Uh-huh.","start":1270.5149,"end":1270.995,"sentiment":"neutral","sentiment_score":0.0010082218796014786},{"text":"Oh, here it is.","start":1270.995,"end":1271.715,"sentiment":"neutral","sentiment_score":0.07957901433110237},{"text":"Just came through.","start":1271.715,"end":1272.595,"sentiment":"neutral","sentiment_score":0.1418162832657496}],"sentiment":"neutral","sentiment_score":-0.11423964155837893,"num_words":20,"start":1257.26,"end":1272.595},{"sentences":[{"text":"Yep.","start":1272.595,"end":1273.095,"sentiment":"neutral","sentiment_score":0.16192352771759033},{"text":"Yep.","start":1273.78,"end":1274.1,"sentiment":"neutral","sentiment_score":0.2686857581138611},{"text":"Yep.","start":1274.1,"end":1274.6,"sentiment":"neutral","sentiment_score":0.18137101829051971},{"text":"Hang on.","start":1274.98,"end":1275.46,"sentiment":"neutral","sentiment_score":0.08618051186203957},{"text":"I'll go to the bottom.","start":1275.46,"end":1276.6,"sentiment":"neutral","sentiment_score":0.06945891529321671}],"sentiment":"neutral","sentiment_score":0.11316359043121338,"num_words":10,"start":1272.595,"end":1276.6},{"sentences":[{"text":"You got services guide, financial services guide, super summary, twelve month hub.","start":1281.9401,"end":1293.475,"sentiment":"neutral","sentiment_score":0.03827769169583917},{"text":"The twelve month hub?","start":1297.695,"end":1299.075,"sentiment":"neutral","sentiment_score":0.027959754690527916},{"text":"Yep.","start":1300.4149,"end":1300.9149,"sentiment":"neutral","sentiment_score":0.06739803403615952},{"text":"Yeah.","start":1308.3899,"end":1308.8899,"sentiment":"neutral","sentiment_score":0.05769016593694687},{"text":"Yes.","start":1314.905,"end":1315.405,"sentiment":"neutral","sentiment_score":0.2114250808954239}],"sentiment":"neutral","sentiment_score":0.04777287368319536,"num_words":19,"start":1281.9401,"end":1315.405},{"sentences":[{"text":"Wait.","start":1338.07,"end":1338.3099,"sentiment":"neutral","sentiment_score":0.1332765370607376},{"text":"How 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say?","start":1396.9349,"end":1399.4149,"sentiment":"neutral","sentiment_score":0.009624330411580477},{"text":"140?","start":1399.4149,"end":1400.3949,"sentiment":"neutral","sentiment_score":0.012372436001896858},{"text":"Yep.","start":1410.7749,"end":1411.2749,"sentiment":"neutral","sentiment_score":0.023376530036330223}],"sentiment":"neutral","sentiment_score":0.02482585605747741,"num_words":29,"start":1348.295,"end":1411.2749},{"sentences":[{"text":"Yep.","start":1421.9,"end":1422.22,"sentiment":"neutral","sentiment_score":0.12828563153743744},{"text":"Yep.","start":1422.22,"end":1422.54,"sentiment":"positive","sentiment_score":0.361518919467926},{"text":"That was not too 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yeah, the same it's around the same time.","start":1562.09,"end":1564.41,"sentiment":"neutral","sentiment_score":0.09744634893205431},{"text":"It'll be late afternoon again.","start":1564.41,"end":1566.11,"sentiment":"neutral","sentiment_score":0.10082109272480011}],"sentiment":"neutral","sentiment_score":0.11188919447800692,"num_words":17,"start":1536.89,"end":1566.11},{"sentences":[{"text":"Yeah.","start":1571.225,"end":1571.625,"sentiment":"neutral","sentiment_score":0.03571769595146179},{"text":"Yep.","start":1571.625,"end":1572.125,"sentiment":"neutral","sentiment_score":0.06827493757009506},{"text":"Yep.","start":1584.86,"end":1585.1799,"sentiment":"neutral","sentiment_score":0.1467648446559906},{"text":"That should be should be 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gonna give me the best results, I suppose.","start":1761.745,"end":1764.465,"sentiment":"neutral","sentiment_score":0.03049349205361472},{"text":"Yeah.","start":1764.465,"end":1764.965,"sentiment":"neutral","sentiment_score":-0.0363924503326416},{"text":"Yes.","start":1768.865,"end":1769.365,"sentiment":"neutral","sentiment_score":-0.03624264895915985},{"text":"Yep.","start":1771.6649,"end":1772.1649,"sentiment":"neutral","sentiment_score":0.2150738090276718}],"sentiment":"neutral","sentiment_score":0.03334188819504701,"num_words":13,"start":1688.495,"end":1772.1649},{"sentences":[{"text":"Yes.","start":1781.2401,"end":1781.7401,"sentiment":"positive","sentiment_score":0.40705567598342896},{"text":"Yep.","start":1786.28,"end":1786.76,"sentiment":"neutral","sentiment_score":0.23872682452201843},{"text":"Cool.","start":1786.76,"end":1786.92,"sentiment":"positive","sentiment_score":0.5212485790252686},{"text":"That sounds 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worries.","start":2157.98,"end":2158.6401,"sentiment":"neutral","sentiment_score":0.24368801712989807},{"text":"No.","start":2163.6948,"end":2164.015,"sentiment":"neutral","sentiment_score":-0.06671473383903503},{"text":"No.","start":2164.015,"end":2164.1748,"sentiment":"neutral","sentiment_score":-0.08635678142309189},{"text":"That's it.","start":2164.1748,"end":2164.9949,"sentiment":"neutral","sentiment_score":-0.01870679296553135},{"text":"Okay.","start":2170.895,"end":2171.2148,"sentiment":"positive","sentiment_score":0.4759865999221802}],"sentiment":"neutral","sentiment_score":0.11041107614125524,"num_words":7,"start":2157.98,"end":2171.2148},{"sentences":[{"text":"Thank you.","start":2171.2148,"end":2171.9548,"sentiment":"positive","sentiment_score":0.677310049533844},{"text":"Thanks.","start":2172.765,"end":2173.265,"sentiment":"positive","sentiment_score":0.5979846715927124},{"text":"Bye.","start":2174.8423,"end":2175.3423,"sentiment":"neutral","sentiment_score":-0.1050318107008934}],"sentiment":"positive","sentiment_score":0.46189323998987675,"num_words":4,"start":2171.2148,"end":2175.3423}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Matthew?\n\nChannel 1: Speaking.\n\nChannel 0: This is Veronica from ITU Financial. How are you?\n\nChannel 1: Good. Thanks. Good.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you? Were you a bit busy?\n\nChannel 1: Yep. Yep. Yep. It should be fine. I'm just about to turn the truck off.\n\nActually, good\n\nChannel 0: Okay.\n\nChannel 1: timing.\n\nChannel 0: Perfect. Now just before I do go any further, I'd just like to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Matthew James Cadwell, 02/03/1983, and 630 Millstream Road At Cedarvale 4285.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been? Been busy?\n\nYeah.\n\nChannel 1: Busy. Busy. Hot.\n\nChannel 0: Well, I will try not to keep you for too long. Now if you are driving at the moment, what I have done is I have sent you an email with some documents. Now if you're happy for me to do so, I will just kind of run through them with you. And then when you do have a bit of a moment later, have a look through them. And if you didn't have any questions, just let me know.\n\nIs that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Great. Perfect. Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going?\n\nChannel 1: Just to just to catch up to see how\n\nChannel 0: Yep.\n\nChannel 1: things are going, really. Yeah.\n\nChannel 0: Yeah. Perfect. Now what I'll do first, Matthew, is just run through a bit of an updated fact find with you just to see if there is anything major that has changed in your life, which means we might have to make some changes to your advice. So just bear with me as I kind of go through this here. Now when it comes to your personal details, I have you down here as single with no financial dependent.\n\nIs that correct?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Perfect. I do have here next up Ken, your brother Michael nominated. Is that still the case as well?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. I have his phone number ending in 485. That hasn't\n\nChannel 1: Yep.\n\nChannel 0: changed?\n\nChannel 1: That's the same.\n\nChannel 0: No. Perfect. Occupation wise, still truck driving. No changes\n\nChannel 1: Yes.\n\nChannel 0: there?\n\nChannel 1: Same\n\nChannel 0: Yep.\n\nChannel 1: thing. Yep. Same\n\nChannel 0: Perfect.\n\nChannel 1: company.\n\nChannel 0: Perfect. Income wise, I think last time we spoke, you were not super sure if it was between $1.40 and $1.60. Do you know roughly what it's at at the moment?\n\nChannel 1: I think so far, year to date, it would be it's about $1.40 at the moment.\n\nChannel 0: Perfect. And what do you think roughly\n\nChannel 1: Should\n\nChannel 0: the\n\nChannel 1: be\n\nChannel 0: total\n\nChannel 1: around the\n\nChannel 0: income for\n\nChannel 1: one\n\nChannel 0: the about\n\nChannel 1: 1\n\nChannel 0: one sixty?\n\nChannel 1: 60.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. And do you kind of get, like, overtime and stuff like that when you do longer longer\n\nChannel 1: Yes.\n\nChannel 0: shifts or anything? So that's why I kinda fluctuate a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. That's that's with overtime. We do overtime every every day pretty much. So yeah.\n\nChannel 0: Yeah. And do you know as well you get employer contribution on, like, your full income, so the one sixty if that's where it kind of ends up this this year?\n\nChannel 1: What\n\nChannel 0: Or\n\nChannel 1: do you mean\n\nChannel 0: do you have\n\nChannel 1: by\n\nChannel 0: a\n\nChannel 1: that?\n\nChannel 0: so some employers will do, like, base income. So you have a base income. And then if you earn, like, overtime or bonuses and stuff on top of that, sometimes the bonuses do get contributions to superannuation, not always overtime. Some\n\nChannel 1: Yeah.\n\nChannel 0: pay on everything.\n\nChannel 1: Well, I think it's I think it's different every week, so it must be based on your overtime.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. If if it does vary like that, then then yes. Alright.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And aside from, like, the standard contributions from your employer, you're not making any additional contributions. Does\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: No.\n\nChannel 0: stand standard? Great. Asset wise, I have here your property was last valued at about $8.50. Do\n\nChannel 1: Yep.\n\nChannel 0: you know if that's roughly the case, or has that gone up a little bit?\n\nChannel 1: I'd say it's probably 900.\n\nChannel 0: 900. Perfect. I have mortgage about $4.80.\n\nChannel 1: Yep. That's correct.\n\nChannel 0: That's perfect. About house and contents of about 50,000.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Two cars, about 60,000. Perfect. Caravan, 15.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Boat 10 and ex excavator 30. That's\n\nChannel 1: Yep.\n\nChannel 0: still roughly the same? Perfect.\n\nChannel 1: Still the same. Yep.\n\nChannel 0: Any new assets otherwise in the last twelve months?\n\nChannel 1: No. No.\n\nChannel 0: Not easy. Any liabilities, like personal loans, credit cards, pay?\n\nChannel 1: Nothing. Nothing.\n\nChannel 0: Not perfect. Now health and lifestyle wise, I'd have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yes. Still the case.\n\nChannel 0: Perfect. And any changes to, like, medications or health issues or injuries or anything?\n\nChannel 1: No. This is the same. No\n\nChannel 0: Just\n\nChannel 1: no\n\nChannel 0: the\n\nChannel 1: changes.\n\nChannel 0: same? Yep. Perfect. When it comes to estate planning, do you have a will in place, Matthew?\n\nChannel 1: No. I don't.\n\nChannel 0: No. No, like, power of attorney or anyone who makes any financial decisions on your behalf?\n\nChannel 1: No. No.\n\nChannel 0: K. Perfect. And are you politically exposed or earn an income overseas at all?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Now I can see here as well that we do have your beneficiary forms outstanding on your superannuation. So in the event that something were to happen to you, someone that you would like to nominate. Did you receive those in the post at all?\n\nChannel 1: I probably did and I just yeah. I hadn't done it.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any questions in regards to them or who you would like to nominate and how that would work?\n\nChannel 1: Well, I think I did talk to the person last year, and they said you had to fill all the stuff out and pretty much do a a legal will kit for it to to be worth doing.\n\nChannel 0: It depends on who you want to nominate. So with superannuation, they are quite strict on the legislation of who you can nominate directly, so, like, without a will. So the the only people that you can nominate directly without a will would be a spouse, a child, a financial dependent, or someone who's in a interdependent relationship with you. So that would basically mean someone that has to rely on you financially at the time of your passing, and you kind of need\n\nChannel 1: Yeah.\n\nChannel 0: to live together and have you know, provide financial support or stuff like that.\n\nChannel 1: So I\n\nChannel 0: If that\n\nChannel 1: I I basically can't put anyone down there because I'm I'm single and I don't have kids or anything. So\n\nChannel 0: yeah. So for you,\n\nChannel 1: yep.\n\nChannel 0: which is the case for a lot of people, where you might wanna give it through, like, a mother or father or a sibling or nephew or niece and a cousin,\n\nChannel 1: Yep.\n\nChannel 0: anyone or friend. The way\n\nChannel 1: Yep.\n\nChannel 0: you can still you can still give it to them very much. The only way would be through the will. That is correct.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So on the superannuation form, you would just select that legal personal representative, which then basically means it regards to the will. Yes. That is correct. So it's a little bit more of of a hassle, but at least that way, if something ever were to happen, there\n\nChannel 1: Yep.\n\nChannel 0: is a nomination in place. So whoever you would like to receive your superannuation, will get it and also streamline it so there's not anyone else who's trying to, you know, trying to make a claim for anything as well.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, when you have a moment and the most comprehensive way is obviously getting a will through a lawyer, but I also understand that sometimes money and if it's straightforward estate, people not always want to do that. So you can definitely\n\nChannel 1: Yes.\n\nChannel 0: do just the will kit through the post office. That's perfectly fine. The only thing\n\nChannel 1: Yep.\n\nChannel 0: with that is just obviously making sure you read the instructions carefully and let someone know where you keep a copy. You can always email it to me as well, and I can always keep a copy on file because we obviously have all your other information. So if something\n\nChannel 1: Yep.\n\nChannel 0: ever were to happen, we would have it secure on file for you as well. So when you have a moment, have a kind of a a think about it and decide what you would like to do. Would you like us\n\nChannel 1: Yeah. Okay.\n\nChannel 0: to repost them to you, or do you have it somewhere?\n\nChannel 1: Might have to resend it. I I don't\n\nChannel 0: Yeah.\n\nChannel 1: I don't think I've got it on there.\n\nChannel 0: No. That's okay. And do you have access to a printer, or do you prefer post?\n\nChannel 1: Post is easy. Yeah. I don't have\n\nChannel 0: Post\n\nChannel 1: a printer.\n\nChannel 0: is easy? No. That's okay. I'll get the team to include the return envelope as well for you to make it easy. So, yeah, just let us know how you go with that.\n\nChannel 1: So\n\nChannel 0: Now\n\nChannel 1: that\n\nChannel 0: when\n\nChannel 1: so\n\nChannel 0: it\n\nChannel 1: if I if I have to do the wheel kit, is there any is there anything that I actually fill out on that form then?\n\nChannel 0: yes. So you would basically say that you want it to go through the will. So on the form\n\nChannel 1: Okay.\n\nChannel 0: and I can get if you would like, I can get the team to prefill it for you, so you just have to sign it,\n\nChannel 1: Yep.\n\nChannel 0: is that we would select legal personal representative. So that would be your nomination, would mean basically your will. Would you like\n\nChannel 1: Yeah.\n\nChannel 0: us to\n\nChannel 1: Okay.\n\nChannel 0: prefill that for you?\n\nChannel 1: Yep. Yep. So\n\nChannel 0: Yeah.\n\nChannel 1: I so I have to get like, do the wheel kit from the post office or something. Is that the easiest way? Or\n\nChannel 0: Yes. You can There are some online ones you can do as well, but I would just be really careful because some of them as well have different kind of terms and conditions and stuff like that. So,\n\nChannel 1: yep.\n\nChannel 0: typically, I would say the will kit is pretty good if you obviously don't wanna do it through a lawyer. They\n\nChannel 1: Yep.\n\nChannel 0: are they are fairly affordable as well. And, yeah, you can get them from any post office typically. So that is the easiest way to do it.\n\nChannel 1: Yep.\n\nChannel 0: Like I said, some people do have, like, the online ones. I would just be a little bit careful of which one and reading the fine print if you do decide to do that.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah,\n\nChannel 1: Okay.\n\nChannel 0: otherwise,\n\nChannel 1: No worries.\n\nChannel 0: post office would be a good option.\n\nChannel 1: Yep. Okay. Yeah.\n\nChannel 0: Would\n\nChannel 1: If I\n\nChannel 0: you like,\n\nChannel 1: pre prefill\n\nChannel 0: yeah,\n\nChannel 1: it.\n\nChannel 0: prefill it to make it easy? Now there are two tick boxes as well that we can prefill for you, and that is depending on the type of nomination. So you can have a binding and a nonbinding option. Basically, binding means that the trustee of your superannuation are bound to follow your wishes, which is the most certain option, or you can have a nonbinding, which is basically means that this is what you would like to have happen, but, ultimately, it's up to the trustee to decide what they want and not us then. Which one\n\nChannel 1: Yeah.\n\nChannel 0: would you prefer?\n\nChannel 1: So this is the first one. Yeah.\n\nChannel 0: Yep. Binding.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: that's that's definitely what you want happens with it.\n\nChannel 0: Correct. And that is, I would say, what 99% of people choose because you want\n\nChannel 1: Yeah.\n\nChannel 0: that certainty.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Not all superannuation funds offer it, but if they\n\nChannel 1: Yep.\n\nChannel 0: do, yeah, typically binding is, yeah, your more certain option. So it will\n\nChannel 1: Yep.\n\nChannel 0: tick that for you. You then also have a lapsing and a non lapsing option. So a lapsing means that it expires every three years, and you have to recomplete the form. Non lapsing means that you just completed once, and it stays in place until you decide to change it.\n\nChannel 1: Yeah. Just just once and and to\n\nChannel 0: Just\n\nChannel 1: if I just\n\nChannel 0: once?\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's what most\n\nChannel 1: Yeah.\n\nChannel 0: people say as well. With the will, it it's easier because if anything change, you can just update the will. You never have to change the score.\n\nChannel 1: Yep.\n\nChannel 0: It's the only kind of thing sometimes is if you if you don't if you, let's say, nominate a partner or something and you leave it and you never update it and circumstances change, that's the only thing to remind you of. But if you're doing it well, it's pretty easy. That way, you can update the will whenever you want to, and you don't have to go through and update this form again.\n\nChannel 1: Yeah.\n\nChannel 0: So we'll do the non lapsing and finding for you. I'll get the team to prefill that and email it post it out to you to make it nice and easy. Now, otherwise, Matthew, I guess, when it comes to kind of goals and stuff that you're working on or wanting to achieve in the next couple of years, last time we kind of touched base, you were mainly focusing on building a shed and kind of focusing on paying down the mortgage as much as possible. Is\n\nChannel 1: Yes.\n\nChannel 0: that still kind of a focus point for you, or did you end up building the shed?\n\nChannel 1: No. I haven't done it yet. I haven't been able to. No.\n\nChannel 0: Yeah. So is that kind of something in the next couple of years you would like to ideally get to?\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Definitely. Yeah.\n\nChannel 0: Yeah. Perfect. Otherwise, when it comes to superannuation, I have ideally, you'd love to retire at the age of 60 and have an ideal income of about $1,000 per week from super. Do you think that's still the goals?\n\nChannel 1: Oh, it'd be nice. Yeah.\n\nChannel 0: Yep. Perfect. Now next thing I do quickly wanna run through, Matthew, is just a couple of multiple choice questions to make it nice and easy. And the purpose behind that is just to see if we need to make any changes to your portfolio within your superannuation. So there's no right or wrong answer.\n\nIt's just whatever you feel is the most appropriate for you. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares yourself?\n\nChannel 1: A direct light?\n\nChannel 0: A shares, like, on the stock market or anything\n\nChannel 1: No.\n\nChannel 0: like that? No.\n\nChannel 1: Nothing. No.\n\nChannel 0: No. Perfect. Next question is in regards to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to tryna, you know, make sure that you stay on top of, you know, the increasing prices and stuff when it comes to thinking about your superannuation?\n\nWould you say that you are willing to accept very high risk, high, moderate, or a small amount of risk?\n\nChannel 1: Well, it's sort that's a sort of hard question. They've asked me that, and I sent it to them last time. I need to know what's happened with my money over the last twelve months first.\n\nChannel 0: Okay.\n\nChannel 1: So then it's an educated decision to go, well, did I\n\nChannel 0: What's\n\nChannel 1: did I\n\nChannel 0: happened?\n\nChannel 1: make good money compared to my friends and\n\nChannel 0: Yep.\n\nChannel 1: or family that, you know, that's in the same situation as me? Like, because I hear\n\nChannel 0: Yeah.\n\nChannel 1: some of them say how much their super has gone up in the last twelve months sort of thing.\n\nChannel 0: Yep.\n\nChannel 1: And and then when you get your your report, sometimes you can be disappointed.\n\nChannel 0: Yeah. Sorry. And that's definitely valid. And I have in the reports I have sent you, I have gone over. It will outline all of that, but I'll also explain it all to you how the portfolio has gone in the last twelve months.\n\nSo these are kind of it's a bit tricky because I understand it's very, like, hypothetical, and it depends on the situation. So if you are just kind of thinking about the the concept of it, not so much a dollar figure. So if everything goes well and long term, it continues to grow. So, obviously, the risk and the growth comes kind of hand in hand that often you have to take some level of risk in order to get the the growth long term. But, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: you don't want too much fluctuations either. So it's also what you are comfortable with just to assess in terms of the allocation of the proportion to which type of investment. So\n\nChannel 1: Yeah.\n\nChannel 0: if you are kind of just thinking and this is this is just to get gauge how you are feeling about it, not necessarily making any change. So if you just think about it, if everything in the long term is going okay, would you be comfortable seeing short term fluctuations? So in, like, a twelve month or a six month period, you would see a bit of those fluctuation if we when we are looking more like a three five long term, it's gone up a bit. Would you be willing to take on a bit of short term fluctuation?\n\nChannel 1: Well, it's it's the same as the last last year. There's nothing's changed for me at\n\nChannel 0: Okay.\n\nChannel 1: all, and\n\nChannel 0: Okay.\n\nChannel 1: it was a hard hard decision last year to\n\nChannel 0: Yeah.\n\nChannel 1: try and answer that question. Like I said, we\n\nChannel 0: Yeah.\n\nChannel 1: could for an uneducated person for investing your money,\n\nChannel 0: Yep.\n\nChannel 1: that's that's why\n\nChannel 0: It's\n\nChannel 1: we've\n\nChannel 0: tricky.\n\nChannel 1: got people like you looking\n\nChannel 0: Yep.\n\nChannel 1: after it. You you should\n\nChannel 0: Yep.\n\nChannel 1: be able to recommend to us what the\n\nChannel 0: Yes.\n\nChannel 1: best thing is for us to do.\n\nChannel 0: Yeah. And it's\n\nChannel 1: Yep.\n\nChannel 0: very much so. A lot of it also comes down to behavioral with different clients. So we can obviously look at it from, okay. Well, what time frames do you have? How much time do you have to take on?\n\nWhat are your goals? But then I can\n\nChannel 1: Yeah.\n\nChannel 0: also have because it's very much tailored to individual clients. So I can have, I could have another client that's, you know, exactly similar to you, same age and everything, but they are very hesitant and very nervous when it comes to fluctuations. So in that\n\nChannel 1: Yeah.\n\nChannel 0: instance,\n\nChannel 1: Yeah.\n\nChannel 0: you might not, you know, put them in in the same category when it comes to level of fluctuation because it's also a bit of a behavioral. So that's where these kind of questions come in to gauge how comfortable\n\nChannel 1: Yeah.\n\nChannel 0: you are. But\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Well,\n\nChannel 0: you\n\nChannel 1: it was\n\nChannel 0: does that make\n\nChannel 1: it\n\nChannel 0: sense?\n\nChannel 1: was\n\nChannel 0: It's\n\nChannel 1: yeah.\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: bit\n\nChannel 1: know.\n\nChannel 0: it's a bit tricky.\n\nChannel 1: It it it's tricky and\n\nChannel 0: Yeah.\n\nChannel 1: that and that's what I said to him. Like,\n\nChannel 0: Yeah.\n\nChannel 1: it's hard to judge until you know what it's\n\nChannel 0: Yep.\n\nChannel 1: actually how it's performed for the last year. And,\n\nChannel 0: Yep.\n\nChannel 1: like, for me, comparing it to other workmates at work that are earning the same money,\n\nChannel 0: Yep.\n\nChannel 1: how\n\nChannel 0: Yep.\n\nChannel 1: much their super has gone up in the last twelve months. And then if mine hasn't gone up at least what theirs has, I'd\n\nChannel 0: Yep.\n\nChannel 1: be pretty disappointed because\n\nChannel 0: Yep.\n\nChannel 1: I don't have any insurances coming out of my super or anything. So straight away, I've got an extra $10,000 plus going into my super every year. Sort of thing like, well well, there's a lot of people paying $5,000 a year coming out of their super for\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: for\n\nChannel 0: For\n\nChannel 1: insurance\n\nChannel 0: insurance.\n\nChannel 1: and that. No. I\n\nChannel 0: Yep.\n\nChannel 1: don't have any of that. So\n\nChannel 0: Yep.\n\nChannel 1: it should\n\nChannel 0: Yep.\n\nChannel 1: be it should have went up a decent amount last year.\n\nChannel 0: And it actually has given. So I'll just kind of leave this for now, assuming your your concept behind risk stays the same if we then jump through your investment returns. So\n\nChannel 1: Yeah.\n\nChannel 0: in in the documents, when you do have a look through them, you will see a couple of attachments first. So we have recently changed the software. So when you click on the the email, before you click on the link where it says sign now, you will have a range of different attachments. Now these are just there for your reference. You don't need to sign them.\n\nOne of those documents is a twelve month performance report, which is exactly what you are asking, which is asking how the portfolio has performed in the last twelve months. Now the last twelve months have been, obviously, quite volatile and seen a bit of fluctuations. You have obviously everything going over in The US, and you had Trump and tariffs and everything, and, obviously, more recently, everything with the war. So there's been a bit of a, you know, tricky twelve months. In saying that, though, your portfolio overall have done pretty good.\n\nSo in the last twelve months, now this is net\n\nChannel 1: Where's where's\n\nChannel 0: of all\n\nChannel 1: when\n\nChannel 0: fees.\n\nChannel 1: did you send this email? Sorry.\n\nChannel 0: It would have been just at the beginning of the call today with you. So Like fifteen minutes ago?\n\nChannel 1: I'll just just have a quick look. Oh, yeah.\n\nChannel 0: Yeah.\n\nChannel 1: There it is. I feel\n\nChannel 0: Yes.\n\nChannel 1: like it's\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: not. Is there an attachment or something? Or\n\nChannel 0: Yeah. So at the at the bottom of the email so before you click on the link, if you just open the email and scroll down, you should see a couple of PDF attachments. And there should\n\nChannel 1: Just\n\nChannel 0: be\n\nChannel 1: got\n\nChannel 0: one,\n\nChannel 1: all\n\nChannel 0: two,\n\nChannel 1: the\n\nChannel 0: three, four, five. Should be about five.\n\nChannel 1: global markets, Australian market, key themes to end the year, like, your holiday schedule, looking ahead, final thoughts, chat to our advisers, and that there's nothing else there.\n\nChannel 0: It didn't have any attachments to the email?\n\nChannel 1: It doesn't look like it. I'm just opening up on my phone.\n\nChannel 0: Yeah. And that's it says it came from myself, Veronica, or was that a newsletter you were looking at? Because\n\nChannel 1: It\n\nChannel 0: that\n\nChannel 1: must\n\nChannel 0: sounded\n\nChannel 1: be a new\n\nChannel 0: like\n\nChannel 1: newsletter. Maybe I'm\n\nChannel 0: yeah.\n\nChannel 1: on the wrong one.\n\nChannel 0: Because it sounded like one of the newsletters. Let me see. If not, I can see if I can try to resend it for you.\n\nChannel 1: Uh-huh. Oh, here it is. Just came through. Yep.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yep. Yep. Hang on. I'll go\n\nChannel 0: So,\n\nChannel 1: to the bottom.\n\nChannel 0: yes, can you see couple of attachments before you click on the link where it says sign now?\n\nChannel 1: You got services guide, financial\n\nChannel 0: Yep.\n\nChannel 1: services guide,\n\nChannel 0: Yep.\n\nChannel 1: super summary,\n\nChannel 0: Yep. And then\n\nChannel 1: twelve month hub.\n\nChannel 0: that's the one. If you wanna open this one, this one shows your portfolio.\n\nChannel 1: The twelve month hub?\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Now this one here shows everything return wise net of fee. So after\n\nChannel 1: Yeah.\n\nChannel 0: advice fees, after administration platform fees, all of it, net of fees. Now\n\nChannel 1: Yes.\n\nChannel 0: this shows you a twelve month period. And during that twelve month period, your portfolio, despite the fluctuations we have had in the last twelve months, have still gone up by 12.28%, which is which is pretty good in, you know, everything that has happened in the last twelve months. So quite happy with that outcome\n\nChannel 1: Wait.\n\nChannel 0: from\n\nChannel 1: How much?\n\nChannel 0: a purse\n\nChannel 1: 12.8.\n\nChannel 0: twelve 12.28.\n\nChannel 1: Twelve 0.28.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. So what's the balance there now?\n\nChannel 0: So that's in the super summary, but I can open it for you. You can have a look at it later if you would like. But your hub twenty four account right now is at 176,680 and 8¢.\n\nChannel 1: So how much did that go up from last year?\n\nChannel 0: Yeah. Let me have a look. It's actually in that report you are in right now. So at the start of sorry. The the 04/09/2025, the starting balance was a 145,103 and 66¢.\n\nChannel 1: So it went up from, what, 104 what did you say? 140?\n\nChannel 0: Let me I can calculate it for you. Sorry. It went from so now it's a $176.06 80 and 8¢ and starting\n\nChannel 1: Yep.\n\nChannel 0: at $248.66. That is up by after fees, so up by 31,576.\n\nChannel 1: Yep. Yep. That was not too bad.\n\nChannel 0: And with your portfolio as well, because, obviously, things are always involving. It's always changing. And we do a lot of research on the different investments because what we obviously recommended when you came on board has done really has done pretty good for you, but it doesn't mean it's always going to be the case. So things are always changing. So we've we've done a lot of analysis and investment research on the different investments.\n\nAnd there is one particular investment that I would like to do a bit more research to potentially swap out for you, which is\n\nChannel 1: Yep.\n\nChannel 0: your Benelong Australian equity. The reason I do wanna look at swapping that if you are comfortable with it is that when you came on board, it was one of the best performing fund managers that were doing really well. This one\n\nChannel 1: Yep.\n\nChannel 0: is a little bit more expensive because it has your active management. So what I mean by that is that they are a managed fund trying to actively buy and sell different investments in order to kinda outperform the market.\n\nChannel 1: Yep.\n\nChannel 0: Like I said, they had done really well. More recently, not so much. They've kind of underperformed a little bit lately. There's been a few factors of why they have kind of underperformed. Some of it is there.\n\nThey've been a little bit slower in making the choices. Also, some of the selections they have made haven't turned out. But then also one of the investments that they had in their portfolio was the corporate travel group, which had a bit of issues with reporting, which meant that they were suspended from trading. So all in all, we would like to look at swapping this for something that's doing a little bit better for you moving forward. So\n\nChannel 1: Yep.\n\nChannel 0: are you happy for me to kind of do a bit more than in-depth on the investments\n\nChannel 1: Yep.\n\nChannel 0: to see if we can, you know, find some better options for you?\n\nChannel 1: Yes. Definitely.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Great. Now it will take me about seven days or so to do that.\n\nChannel 1: Yep.\n\nChannel 0: Now when is the best time for me to kind of present all the research and the recommendation for you? If we look at either the end of next week or the following week, when\n\nChannel 1: Yep.\n\nChannel 0: is typically better for you?\n\nChannel 1: Probably, yeah, the same it's around the same time. It'll be late afternoon again.\n\nChannel 0: Okay. Perfect. Let me have a look. Sorry about that 04:30 mark.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Let me have a look here. Most of my 04:30 is booked out next week. I could do a 04:30 at Thursday, April 23. Would that\n\nChannel 1: Yep. That\n\nChannel 0: work\n\nChannel 1: should\n\nChannel 0: for you?\n\nChannel 1: be should be fine. Yeah.\n\nChannel 0: Yep. Okay. Perfect. Now that will kind of have a bit more in-depth with the investments, a bit of an updated projections, and how things are tracking and going for you as well.\n\nChannel 1: Yep.\n\nChannel 0: And and part of the research, I do wanted to check as well if you are open for me to research the SMA concept or whether that is not something you would like. So I'm not sure if you've read some of the newsletters recently.\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Most people say the same.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, what we what we have done is we have teamed up with BlackRock, which you may have heard of. They are one of the\n\nChannel 1: No.\n\nChannel 0: biggest fund managers in the world, but we've teamed up with them to create something that's called an SMA. So it's a self managed account. Basically,\n\nChannel 1: Yep.\n\nChannel 0: how that works, it still loads investments and everything like that. The concept is a little bit different to how you are currently set up, which your current setup would be more what we would call, like, your model portfolio where you can obviously when you go into your hub 24, you can see each and every single one of your investments. Now if we wanna make a change, so if, for example, now we we look at Van Alung and we go, oh, there might be some better option, we would obviously go and do all the research for you. I would have to present everything in your statement of advice, which is what we are doing in a few weeks. You would read over it.\n\nI have to approve and sign it before I can make a change. So it gives you kind of full transparency in making a change. The downside is that it takes obviously a lot longer to do it. Sometimes with\n\nChannel 1: Yep.\n\nChannel 0: investments, you obviously want to make decisions as quickly as possible before things change. So the concept of the SMA and why we have started that as well is that with the SMA is you invest in a portfolio. In the portfolio, you still have a range of different individual investments similar to what you have now. But how it works is that if, for example, we see that we do wanna swap out Benelon, we can do that in the back end quickly for you. You don't have to approve or change anything.\n\nWe can do that because you invest in the SMA. The only thing is we would go and do those changes for you as long as it's going to put you in a better position, and you don't have to go through the s m the SOA process. Some clients think it's great because that means we can be a bit more proactive and do it quicker, whereas some clients do prefer that it's okay for it to take a bit longer because you want that full you would like to decide off the changes before we make them. So it's ultimately what you are comfortable with, and if that is something that you're open for me to research as part of it if it's going to put in a better position or whether you don't like that at all.\n\nChannel 1: Whatever's gonna give me the best\n\nChannel 0: Okay.\n\nChannel 1: results, I suppose. Yeah.\n\nChannel 0: So whatever is kind of, like, the cheapest and puts the best return, you don't really\n\nChannel 1: Yes.\n\nChannel 0: mind. Okay. Perfect. I will\n\nChannel 1: Yep.\n\nChannel 0: research it, and then whichever option and we have a lot of other options as well. Whichever one is going to give you the most at the end of it,\n\nChannel 1: Yes.\n\nChannel 0: I will recommend, and then you can still obviously decide from there what you would like to do.\n\nChannel 1: Yep. Cool. That\n\nChannel 0: Yes.\n\nChannel 1: sounds good.\n\nChannel 0: Great. Perfect. Now the last couple of things there, Matthew, for you is we've already gone through your super balance. You have the services guide like you kind of touched on. They're just some updated updated for you.\n\nIt's one of those compliance documents. You can have a read over in your own time. We've had a bit of an extension to the team, a bit of a revamp of marketing. It's all in there for you to have a bit of a read over. You will also have your Vanguard index chart similar to last year, just a bit of an updated version.\n\nIt's a good visual representation of what kind of happened in, you know, the market historically looking at things. And I do wanna just triple check as well that you are still comfortable in a growth portfolio, which is how you are currently\n\nChannel 1: Yep.\n\nChannel 0: invested. So in terms of lack of risk and level of fluctuation, are you comfortable with with the growth? You're just looking at changing your investments a little bit?\n\nChannel 1: Like, the yeah. The grape's\n\nChannel 0: Yeah.\n\nChannel 1: good. Yeah.\n\nChannel 0: The growth's good. Great. Perfect. Now the last thing is that when you have a look through if you click on the link when you have a moment, it will ask you to sign through documents. Now those two documents is an ongoing service agreement, and that's just to say that you are happy to stay on as a client.\n\nThere is no changes to the fees at all. It stays exactly the same at 1.65 from superannuation, and there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract. But by finding that, allows us to stay on your account and service you in the meantime. And the last one is a tax file number opt in form just from a compliance point to say that we are keeping your tax file number secure on file.\n\nDo you have any questions in regards to any of that?\n\nChannel 1: I'm just looking at this that sign now form thing.\n\nChannel 0: Mhmm. Yep. Perfect.\n\nChannel 1: So this you say this is just an agreement just for you guys to keep looking after my Subaru for me?\n\nChannel 0: Correct. That's it.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Just with hub 24.\n\nChannel 1: Yeah. So and\n\nChannel 0: And then once you've added the signature, I think it says set complete or something like that, it will then send it back to me, and I can load it to make sure that all came through.\n\nChannel 1: Not very friendly on the phone.\n\nChannel 0: No. It's a it's a victory. That's okay. You can take your time. I think it sometimes ask you to draw a signature too, which can be a little bit tricky.\n\nChannel 1: Right. Oops.\n\nChannel 0: Would you like a reminder text sent, like, two hours or so before the appointment on the twenty third in case anything changes for you?\n\nChannel 1: Yes, please. That'd be good.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Is that going okay? Are you having any issues?\n\nChannel 1: Yeah. I just could be scrolling through it, and it wants me to fill in the dates and everything.\n\nChannel 0: Yeah. Sometimes when you add the signature, it automatically adds the date when you've done the signature.\n\nChannel 1: Yeah.\n\nChannel 0: But maybe sometimes it's also\n\nChannel 1: I don't\n\nChannel 0: which\n\nChannel 1: know.\n\nChannel 0: fine and stuff you use.\n\nChannel 1: Validate? Let me\n\nChannel 0: Yep.\n\nChannel 1: see what it does.\n\nChannel 0: That typically does it.\n\nChannel 1: Yeah. It says you'll get a signed document by email.\n\nChannel 0: Yep. Perfect. I have seen that come through as well. Now it's also there if you do wanna download it on your end. We always keep a copy on file if you ever wanna request any documents as well.\n\nChannel 1: Yep.\n\nChannel 0: That's all come through. I will get the team to repost the beneficiary form for you as well and have it prefilled. Before I do\n\nChannel 1: Yep.\n\nChannel 0: let you go, I do wanna just quickly confirm as well. I know you mentioned that you don't have any insurances at the moment, And I know that when you obviously came on board, a lot of insurance with truck drivers are not favorable when it comes through to risk and stuff like that. Are you still\n\nChannel 1: Yep.\n\nChannel 0: happy to not have insurances, or what are your thoughts on insurances?\n\nChannel 1: Yeah. It's fine for now, I think.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: If anything does change, you know, down the track or anything like that, Matthew, just give me a call, and we can always reassess it. Otherwise, I will just focus on your superannuation at the moment just for the investments to see if we wanna swap out that Benelon and have a look at other\n\nChannel 1: Yep.\n\nChannel 0: portfolios just to make sure they're doing the best that it can for you. So that is\n\nChannel 1: Yep.\n\nChannel 0: all booked in on Thursday, April 23. Like I said, if anything changes, you can't make the appointment, just let me know, and we can always get that reshuffled for you.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Perfect. Do you have any other questions for me before I let you go this afternoon, Matthew?\n\nChannel 1: No. No. That's\n\nChannel 0: Matthew?\n\nChannel 1: it.\n\nChannel 0: No? That's great. Perfect. Well, thank you so much for your time today, and I look forward to speaking with you on the twenty third.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No worries.\n\nChannel 1: Thanks.\n\nChannel 0: Speak soon. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.05237391218543053}],"sentiment":"neutral","sentiment_score":0.05237391218543053,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Good afternoon.","start":2.6399999,"end":3.1999998,"sentiment":"positive","sentiment_score":0.33453240990638733},{"text":"Is this Matthew?","start":3.1999998,"end":4.02,"sentiment":"neutral","sentiment_score":0.16634478668371835}],"sentiment":"neutral","sentiment_score":0.23361983597278596,"channel":0,"num_words":5,"start":2.6399999,"end":4.02},{"sentences":[{"text":"Speaking.","start":4.64,"end":5.14,"sentiment":"neutral","sentiment_score":0.06595301628112793}],"sentiment":"neutral","sentiment_score":0.06595301628112793,"channel":1,"num_words":1,"start":4.64,"end":5.14},{"sentences":[{"text":"This is Veronica from ITU Financial.","start":5.7599998,"end":7.94,"sentiment":"neutral","sentiment_score":0.13303967068592706},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"neutral","sentiment_score":0.1528306851784388}],"sentiment":"neutral","sentiment_score":0.1396366755167643,"channel":0,"num_words":9,"start":5.7599998,"end":8.82},{"sentences":[{"text":"Good.","start":9.12,"end":9.28,"sentiment":"positive","sentiment_score":0.6309232115745544},{"text":"Thanks.","start":9.28,"end":9.76,"sentiment":"positive","sentiment_score":0.7006393671035767},{"text":"Good.","start":9.76,"end":10.26,"sentiment":"positive","sentiment_score":0.7023864984512329}],"sentiment":"positive","sentiment_score":0.677983025709788,"channel":1,"num_words":3,"start":9.12,"end":10.26},{"sentences":[{"text":"That's good.","start":10.719999,"end":11.62,"sentiment":"positive","sentiment_score":0.7683513760566711},{"text":"I had you booked in to go over your annual review.","start":12.255,"end":14.815001,"sentiment":"positive","sentiment_score":0.44603958184068854},{"text":"Is now still a good time for you?","start":14.815001,"end":16.495,"sentiment":"neutral","sentiment_score":0.3242062032222748},{"text":"Were you a bit busy?","start":16.495,"end":17.635,"sentiment":"neutral","sentiment_score":-0.08451216518878937}],"sentiment":"neutral","sentiment_score":0.33131642123827565,"channel":0,"num_words":26,"start":10.719999,"end":17.635},{"sentences":[{"text":"Yep.","start":18.185,"end":18.505001,"sentiment":"neutral","sentiment_score":0.006043754052370787},{"text":"Yep.","start":18.505001,"end":18.905,"sentiment":"neutral","sentiment_score":0.020098885521292686},{"text":"Yep.","start":18.905,"end":19.385,"sentiment":"neutral","sentiment_score":0.07186223566532135},{"text":"It should be fine.","start":19.385,"end":20.345001,"sentiment":"neutral","sentiment_score":0.15827058628201485},{"text":"I'm just about to turn the truck off.","start":20.345001,"end":22.365,"sentiment":"neutral","sentiment_score":-0.0379930161871016}],"sentiment":"neutral","sentiment_score":0.028476206058015426,"channel":1,"num_words":15,"start":18.185,"end":22.365},{"sentences":[{"text":"Actually, good","start":22.744999,"end":23.305,"sentiment":"neutral","sentiment_score":0.14654983207583427}],"sentiment":"neutral","sentiment_score":0.14654983207583427,"channel":1,"num_words":2,"start":22.744999,"end":23.305},{"sentences":[{"text":"Okay.","start":23.215,"end":23.715,"sentiment":"neutral","sentiment_score":0.11495548486709596}],"sentiment":"neutral","sentiment_score":0.11495548486709596,"channel":0,"num_words":1,"start":23.215,"end":23.715},{"sentences":[{"text":"timing.","start":23.305,"end":23.805,"sentiment":"neutral","sentiment_score":0.14069706201553345}],"sentiment":"neutral","sentiment_score":0.14069706201553345,"channel":1,"num_words":1,"start":23.305,"end":23.805},{"sentences":[{"text":"Perfect.","start":24.735,"end":25.235,"sentiment":"positive","sentiment_score":0.34855204820632935},{"text":"Now just before I do go any further, I'd just like to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":26.039999,"end":33.579998,"sentiment":"neutral","sentiment_score":0.04049543317021995}],"sentiment":"neutral","sentiment_score":0.05076398700475693,"channel":0,"num_words":30,"start":24.735,"end":33.579998},{"sentences":[{"text":"Yes.","start":34.04,"end":34.36,"sentiment":"neutral","sentiment_score":0.1284683346748352},{"text":"That's fine.","start":34.36,"end":35.18,"sentiment":"neutral","sentiment_score":0.21793407201766968}],"sentiment":"neutral","sentiment_score":0.1881121595700582,"channel":1,"num_words":3,"start":34.04,"end":35.18},{"sentences":[{"text":"Perfect.","start":35.96,"end":36.46,"sentiment":"positive","sentiment_score":0.38407376408576965},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":36.519997,"end":44.415,"sentiment":"neutral","sentiment_score":0.07133481207375343}],"sentiment":"neutral","sentiment_score":0.08291773622234662,"channel":0,"num_words":27,"start":35.96,"end":44.415},{"sentences":[{"text":"Matthew James Cadwell, 02/03/1983, and 630 Millstream Road At Cedarvale 4285.","start":44.964996,"end":53.710003,"sentiment":"neutral","sentiment_score":0.025974792512980373}],"sentiment":"neutral","sentiment_score":0.025974792512980373,"channel":1,"num_words":11,"start":44.964996,"end":53.710003},{"sentences":[{"text":"Yep.","start":53.45,"end":53.95,"sentiment":"neutral","sentiment_score":0.1788027584552765},{"text":"Perfect.","start":54.09,"end":54.59,"sentiment":"positive","sentiment_score":0.5403649806976318},{"text":"That's exactly what I have here.","start":54.73,"end":56.25,"sentiment":"positive","sentiment_score":0.5727754433949789},{"text":"And how's your day been?","start":56.25,"end":57.29,"sentiment":"neutral","sentiment_score":0.1448873057961464},{"text":"Been busy?","start":57.29,"end":57.85,"sentiment":"neutral","sentiment_score":0.0021636448800563812}],"sentiment":"neutral","sentiment_score":0.32563894788424175,"channel":0,"num_words":15,"start":53.45,"end":57.85},{"sentences":[{"text":"Yeah.","start":57.85,"end":58.35,"sentiment":"neutral","sentiment_score":0.06364335119724274}],"sentiment":"neutral","sentiment_score":0.06364335119724274,"channel":0,"num_words":1,"start":57.85,"end":58.35},{"sentences":[{"text":"Busy.","start":58.730003,"end":59.21,"sentiment":"neutral","sentiment_score":0.09868571162223816},{"text":"Busy.","start":59.21,"end":59.71,"sentiment":"neutral","sentiment_score":0.129617840051651},{"text":"Hot.","start":59.77,"end":60.27,"sentiment":"neutral","sentiment_score":0.11811566352844238}],"sentiment":"neutral","sentiment_score":0.11547307173411052,"channel":1,"num_words":3,"start":58.730003,"end":60.27},{"sentences":[{"text":"Well, I will try not to keep you for too long.","start":61.93,"end":64.51,"sentiment":"neutral","sentiment_score":-0.0076862648129463204},{"text":"Now if you are driving at the moment, what I have done is I have sent you an email with some documents.","start":65.325005,"end":70.705,"sentiment":"neutral","sentiment_score":0.09367522241717036},{"text":"Now if you're happy for me to do so, I will just kind of run through them with you.","start":71.40501,"end":75.665,"sentiment":"neutral","sentiment_score":0.24459201097488403},{"text":"And then when you do have a bit of a moment later, have a look through them.","start":75.885,"end":79.08501,"sentiment":"neutral","sentiment_score":0.1648143775322858},{"text":"And if you didn't have any questions, just let me know.","start":79.08501,"end":81.97,"sentiment":"neutral","sentiment_score":0.10670324347235939}],"sentiment":"neutral","sentiment_score":0.13248917856253684,"channel":0,"num_words":80,"start":61.93,"end":81.97},{"sentences":[{"text":"Is that okay?","start":81.97,"end":82.79,"sentiment":"neutral","sentiment_score":0.12082609782616298}],"sentiment":"neutral","sentiment_score":0.12082609782616298,"channel":0,"num_words":3,"start":81.97,"end":82.79},{"sentences":[{"text":"Yeah.","start":83.11,"end":83.350006,"sentiment":"neutral","sentiment_score":0.12933361530303955},{"text":"That's fine.","start":83.350006,"end":84.170006,"sentiment":"neutral","sentiment_score":0.20969876646995544}],"sentiment":"neutral","sentiment_score":0.18291038274765015,"channel":1,"num_words":3,"start":83.11,"end":84.170006},{"sentences":[{"text":"Yeah.","start":84.21,"end":84.53,"sentiment":"positive","sentiment_score":0.34558212757110596},{"text":"Great.","start":84.53,"end":84.93,"sentiment":"positive","sentiment_score":0.6344583630561829},{"text":"Perfect.","start":84.93,"end":85.43,"sentiment":"positive","sentiment_score":0.544192373752594},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going?","start":85.73,"end":98.765,"sentiment":"neutral","sentiment_score":0.13288513339799027}],"sentiment":"neutral","sentiment_score":0.15133722297480848,"channel":0,"num_words":61,"start":84.21,"end":98.765},{"sentences":[{"text":"Just to just to catch up to see how","start":99.265,"end":101.185,"sentiment":"neutral","sentiment_score":0.09569044990672006}],"sentiment":"neutral","sentiment_score":0.09569044990672006,"channel":1,"num_words":9,"start":99.265,"end":101.185},{"sentences":[{"text":"Yep.","start":101.065,"end":101.565,"sentiment":"neutral","sentiment_score":0.1258188635110855}],"sentiment":"neutral","sentiment_score":0.1258188635110855,"channel":0,"num_words":1,"start":101.065,"end":101.565},{"sentences":[{"text":"things are going, really.","start":101.185,"end":102.225,"sentiment":"neutral","sentiment_score":0.19786779955029488},{"text":"Yeah.","start":102.225,"end":102.725,"sentiment":"neutral","sentiment_score":0.17731991410255432}],"sentiment":"neutral","sentiment_score":0.19375822246074675,"channel":1,"num_words":5,"start":101.185,"end":102.725},{"sentences":[{"text":"Yeah.","start":102.585,"end":103.085,"sentiment":"neutral","sentiment_score":0.22862854599952695},{"text":"Perfect.","start":103.305,"end":103.805,"sentiment":"neutral","sentiment_score":0.012446914799511433},{"text":"Now what I'll do first, Matthew, is just run through a bit of an updated fact find with you just to see if there is anything major that has changed in your life, which means we might have to make some changes to your advice.","start":104.345,"end":116.649994,"sentiment":"neutral","sentiment_score":-0.005027000564667913},{"text":"So just bear with me as I kind of go through this here.","start":117.11,"end":120.25,"sentiment":"neutral","sentiment_score":0.03877591628294725},{"text":"Now when it comes to your personal details, I have you down here as single with no financial dependent.","start":121.03,"end":126.97,"sentiment":"neutral","sentiment_score":0.010091968959099367}],"sentiment":"neutral","sentiment_score":0.008996136168230183,"channel":0,"num_words":79,"start":102.585,"end":126.97},{"sentences":[{"text":"Is that correct?","start":127.11,"end":127.965,"sentiment":"neutral","sentiment_score":0.037207370003064476}],"sentiment":"neutral","sentiment_score":0.037207370003064476,"channel":0,"num_words":3,"start":127.11,"end":127.965},{"sentences":[{"text":"Yeah.","start":128.465,"end":128.625,"sentiment":"neutral","sentiment_score":0.09692925214767456},{"text":"That's correct.","start":128.625,"end":129.445,"sentiment":"neutral","sentiment_score":0.23563438653945923}],"sentiment":"neutral","sentiment_score":0.18939934174219766,"channel":1,"num_words":3,"start":128.465,"end":129.445},{"sentences":[{"text":"Perfect.","start":129.885,"end":130.385,"sentiment":"positive","sentiment_score":0.6239390969276428},{"text":"I do have here next up Ken, your brother Michael nominated.","start":130.44499,"end":133.665,"sentiment":"positive","sentiment_score":0.40146893804723566},{"text":"Is that still the case as 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what most","start":711.635,"end":712.27496,"sentiment":"neutral","sentiment_score":0.1294958417614301}],"sentiment":"neutral","sentiment_score":0.1294958417614301,"channel":0,"num_words":3,"start":711.635,"end":712.27496},{"sentences":[{"text":"Yeah.","start":712.23505,"end":712.73505,"sentiment":"neutral","sentiment_score":0.15429776906967163}],"sentiment":"neutral","sentiment_score":0.15429776906967163,"channel":1,"num_words":1,"start":712.23505,"end":712.73505},{"sentences":[{"text":"people say as well.","start":712.27496,"end":713.415,"sentiment":"neutral","sentiment_score":0.2094029150903225},{"text":"With the will, it it's easier because if anything change, you can just update the will.","start":714.27496,"end":718.115,"sentiment":"positive","sentiment_score":0.38035570457577705},{"text":"You never have to change the 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you don't have to go through and update this form again.","start":735.38,"end":741.08,"sentiment":"positive","sentiment_score":0.38028519114722376}],"sentiment":"positive","sentiment_score":0.33787803976116954,"channel":0,"num_words":74,"start":720.755,"end":741.08},{"sentences":[{"text":"Yeah.","start":741.785,"end":742.285,"sentiment":"neutral","sentiment_score":0.3224181532859802}],"sentiment":"neutral","sentiment_score":0.3224181532859802,"channel":1,"num_words":1,"start":741.785,"end":742.285},{"sentences":[{"text":"So we'll do the non lapsing and finding for you.","start":742.575,"end":746.015,"sentiment":"positive","sentiment_score":0.39480847120285034},{"text":"I'll get the team to prefill that and email it post it out to you to make it nice and easy.","start":746.015,"end":752.835,"sentiment":"positive","sentiment_score":0.5169158166363126},{"text":"Now, otherwise, Matthew, I guess, when it comes to kind of goals and stuff that you're working on or wanting to achieve in the next couple of years, last time we kind of touched base, you were mainly focusing on building a shed and kind of focusing on paying down the mortgage as much as possible.","start":753.6,"end":770.075,"sentiment":"neutral","sentiment_score":0.13238847728020378},{"text":"Is","start":770.61505,"end":770.935,"sentiment":"neutral","sentiment_score":0.0485360249876976}],"sentiment":"neutral","sentiment_score":0.25301826834170654,"channel":0,"num_words":88,"start":742.575,"end":770.935},{"sentences":[{"text":"Yes.","start":770.74,"end":771.24,"sentiment":"neutral","sentiment_score":0.07682184875011444}],"sentiment":"neutral","sentiment_score":0.07682184875011444,"channel":1,"num_words":1,"start":770.74,"end":771.24},{"sentences":[{"text":"that still kind of a focus point for you, or did you end up building the 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when it comes to superannuation, I have ideally, you'd love to retire at the age of 60 and have an ideal income of about $1,000 per week from super.","start":788.41,"end":798.32996,"sentiment":"neutral","sentiment_score":0.22021498829126357},{"text":"Do you think that's still the goals?","start":798.32996,"end":800.82495,"sentiment":"neutral","sentiment_score":0.13810616093022482}],"sentiment":"neutral","sentiment_score":0.20706939850098047,"channel":0,"num_words":39,"start":786.17,"end":800.82495},{"sentences":[{"text":"Oh, it'd be nice.","start":801.62,"end":802.9,"sentiment":"positive","sentiment_score":0.35265859961509705},{"text":"Yeah.","start":802.9,"end":803.4,"sentiment":"neutral","sentiment_score":0.28177472949028015}],"sentiment":"positive","sentiment_score":0.3384818255901337,"channel":1,"num_words":5,"start":801.62,"end":803.4},{"sentences":[{"text":"Yep.","start":803.285,"end":803.785,"sentiment":"neutral","sentiment_score":0.3283098340034485},{"text":"Perfect.","start":804.08496,"end":804.58496,"sentiment":"positive","sentiment_score":0.5093568563461304},{"text":"Now next thing I do quickly wanna run through, Matthew, is just a couple of multiple choice questions to make it nice and easy.","start":806.08496,"end":812.185,"sentiment":"neutral","sentiment_score":0.33314465234677},{"text":"And the purpose behind that is just to see if we need to make any changes to your portfolio within your superannuation.","start":812.72003,"end":818.98004,"sentiment":"neutral","sentiment_score":0.14717041633345865},{"text":"So there's no right or wrong answer.","start":819.92004,"end":822.16003,"sentiment":"neutral","sentiment_score":0.01367419638804027}],"sentiment":"neutral","sentiment_score":0.22121103419498964,"channel":0,"num_words":55,"start":803.285,"end":822.16003},{"sentences":[{"text":"It's just whatever you feel is the most appropriate for you.","start":822.16003,"end":825.44,"sentiment":"neutral","sentiment_score":0.18090015920725735},{"text":"Does that make 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yourself?","start":829.395,"end":832.055,"sentiment":"neutral","sentiment_score":0.10859988583251834}],"sentiment":"neutral","sentiment_score":0.16359938345849515,"channel":0,"num_words":10,"start":827.715,"end":832.055},{"sentences":[{"text":"A direct light?","start":833.76,"end":834.82,"sentiment":"neutral","sentiment_score":0.02811890219648679}],"sentiment":"neutral","sentiment_score":0.02811890219648679,"channel":1,"num_words":3,"start":833.76,"end":834.82},{"sentences":[{"text":"A shares, like, on the stock market or 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after","start":1307.5851,"end":1308.405,"sentiment":"neutral","sentiment_score":0.04615747928619385}],"sentiment":"neutral","sentiment_score":0.07744491186279517,"channel":0,"num_words":13,"start":1302.2251,"end":1308.405},{"sentences":[{"text":"Yeah.","start":1308.3899,"end":1308.8899,"sentiment":"neutral","sentiment_score":0.05769016593694687}],"sentiment":"neutral","sentiment_score":0.05769016593694687,"channel":1,"num_words":1,"start":1308.3899,"end":1308.8899},{"sentences":[{"text":"advice fees, after administration platform fees, all of it, net of fees.","start":1308.545,"end":1313.96,"sentiment":"neutral","sentiment_score":0.07128374340633552},{"text":"Now","start":1314.42,"end":1314.92,"sentiment":"neutral","sentiment_score":0.07268953323364258}],"sentiment":"neutral","sentiment_score":0.07139188108535913,"channel":0,"num_words":13,"start":1308.545,"end":1314.92},{"sentences":[{"text":"Yes.","start":1314.905,"end":1315.405,"sentiment":"neutral","sentiment_score":0.2114250808954239}],"sentiment":"neutral","sentiment_score":0.2114250808954239,"channel":1,"num_words":1,"start":1314.905,"end":1315.405},{"sentences":[{"text":"this shows you a twelve month period.","start":1315.14,"end":1317.16,"sentiment":"neutral","sentiment_score":0.2760764403002603},{"text":"And during that twelve month period, your portfolio, despite the fluctuations we have had in the last twelve months, have still gone up by 12.28%, which is which is pretty good in, you know, everything that has happened in the last twelve months.","start":1317.78,"end":1334.985,"sentiment":"positive","sentiment_score":0.3790985449802044},{"text":"So quite happy with that outcome","start":1334.985,"end":1337.3251,"sentiment":"positive","sentiment_score":0.6458351910114288}],"sentiment":"positive","sentiment_score":0.3947997082556997,"channel":0,"num_words":56,"start":1315.14,"end":1337.3251},{"sentences":[{"text":"Wait.","start":1338.07,"end":1338.3099,"sentiment":"neutral","sentiment_score":0.1332765370607376}],"sentiment":"neutral","sentiment_score":0.1332765370607376,"channel":1,"num_words":1,"start":1338.07,"end":1338.3099},{"sentences":[{"text":"from","start":1338.265,"end":1338.505,"sentiment":"neutral","sentiment_score":0.010112999007105827}],"sentiment":"neutral","sentiment_score":0.010112999007105827,"channel":0,"num_words":1,"start":1338.265,"end":1338.505},{"sentences":[{"text":"How 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summary, but I can open it for you.","start":1351.05,"end":1354.41,"sentiment":"neutral","sentiment_score":0.07970024014894779},{"text":"You can have a look at it later if you would like.","start":1354.41,"end":1358.195,"sentiment":"neutral","sentiment_score":0.08237299354126056},{"text":"But your hub twenty four account right now is at 176,680 and 8¢.","start":1358.195,"end":1367.335,"sentiment":"neutral","sentiment_score":0.041771734754244484}],"sentiment":"neutral","sentiment_score":0.06826594220222654,"channel":0,"num_words":38,"start":1351.05,"end":1367.335},{"sentences":[{"text":"So how much did that go up from last year?","start":1369.095,"end":1372.715,"sentiment":"neutral","sentiment_score":0.036063884198665616}],"sentiment":"neutral","sentiment_score":0.036063884198665616,"channel":1,"num_words":10,"start":1369.095,"end":1372.715},{"sentences":[{"text":"Yeah.","start":1373.01,"end":1373.4099,"sentiment":"neutral","sentiment_score":0.02609371207654476},{"text":"Let me have a look.","start":1373.4099,"end":1374.53,"sentiment":"neutral","sentiment_score":0.025957971438765527},{"text":"It's actually in that report you are in right now.","start":1374.53,"end":1379.11,"sentiment":"neutral","sentiment_score":0.032307876739650965},{"text":"So at the start of sorry.","start":1379.57,"end":1382.2251,"sentiment":"neutral","sentiment_score":0.006049908697605133},{"text":"The the 04/09/2025, the starting balance was a 145,103 and 66¢.","start":1382.2251,"end":1393.6051,"sentiment":"neutral","sentiment_score":0.023210498876869677}],"sentiment":"neutral","sentiment_score":0.0233552118006628,"channel":0,"num_words":33,"start":1373.01,"end":1393.6051},{"sentences":[{"text":"So it went up from, what, 104 what did you 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starting","start":1402.83,"end":1411.045,"sentiment":"neutral","sentiment_score":-0.008134345213572184}],"sentiment":"neutral","sentiment_score":-0.005235000646540097,"channel":0,"num_words":22,"start":1400.75,"end":1411.045},{"sentences":[{"text":"Yep.","start":1410.7749,"end":1411.2749,"sentiment":"neutral","sentiment_score":0.023376530036330223}],"sentiment":"neutral","sentiment_score":0.023376530036330223,"channel":1,"num_words":1,"start":1410.7749,"end":1411.2749},{"sentences":[{"text":"at $248.66.","start":1411.045,"end":1414.745,"sentiment":"neutral","sentiment_score":0.029763275757431984},{"text":"That is up by after fees, so up by 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changing.","start":1429.77,"end":1431.15,"sentiment":"neutral","sentiment_score":0.062060050666332245},{"text":"And we do a lot of research on the different investments because what we obviously recommended when you came on board has done really has done pretty good for you, but it doesn't mean it's always going to be the case.","start":1431.69,"end":1443.365,"sentiment":"neutral","sentiment_score":0.3188863134965664},{"text":"So things are always changing.","start":1443.825,"end":1445.585,"sentiment":"neutral","sentiment_score":0.07527008131146432},{"text":"So we've we've done a lot of analysis and investment research on the different investments.","start":1445.585,"end":1451.6849,"sentiment":"neutral","sentiment_score":0.1858319212992986}],"sentiment":"neutral","sentiment_score":0.23056011995006548,"channel":0,"num_words":76,"start":1425.53,"end":1451.6849},{"sentences":[{"text":"And there is one particular investment that I would like to do a bit more research to potentially swap 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soon.","start":2173.105,"end":2173.845,"sentiment":"neutral","sentiment_score":0.3305288851261139},{"text":"Bye.","start":2174.705,"end":2175.205,"sentiment":"neutral","sentiment_score":0.21940408647060392}],"sentiment":"neutral","sentiment_score":0.2934872855742772,"channel":0,"num_words":3,"start":2173.105,"end":2175.205},{"sentences":[{"text":"Bye.","start":2174.8423,"end":2175.3423,"sentiment":"neutral","sentiment_score":-0.1050318107008934}],"sentiment":"neutral","sentiment_score":-0.1050318107008934,"channel":1,"num_words":1,"start":2174.8423,"end":2175.3423}]},"summary":{"result":"success","short":"Representatives from ITU Financial speak with customers about their annual reviews, income and retirement plans, health and lifestyle, and estate planning. They provide advice on navigating financial risk and suggest sending a will kit to make it easy to update will and provide instructions for filling out forms and signing them. The speaker emphasizes the importance of behavioral factors in risk management and offers discounts on the service agreement and compliance documents. Customers are advised to fill out a completed service agreement and update their insurance information."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you?","start_word":21,"end_word":39,"intents":[{"intent":"Schedule review","confidence_score":0.023574032}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start_word":98,"end_word":123,"intents":[{"intent":"Confirm identity","confidence_score":0.21897133}]},{"text":"Now if you are driving at the moment, what I have done is I have sent you an email with some documents. Now if you're happy for me to do so, I will just kind of run through them with you. And then when you do have a bit of a moment later, have a look through them. And if you didn't have any questions, just let me know. Is that okay? Yeah.","start_word":165,"end_word":237,"intents":[{"intent":"Send documents","confidence_score":0.0746555}]},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going?","start_word":243,"end_word":300,"intents":[{"intent":"Clarify purpose","confidence_score":0.0137820365}]},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going? Just to just to catch up to see how Yep. things are going, really. Yeah.","start_word":243,"end_word":315,"intents":[{"intent":"Check progress","confidence_score":0.10963511}]},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going? Just to just to catch up to see how Yep. things are going, really. Yeah. Yeah.","start_word":243,"end_word":316,"intents":[{"intent":"Specify purpose","confidence_score":0.00031599333}]},{"text":"Asset wise, I have here your property was last valued at about $8.50. Do Yep.","start_word":720,"end_word":734,"intents":[{"intent":"Evaluate property value","confidence_score":0.022586757}]},{"text":"Do you have any questions in regards to them or who you would like to nominate and how that would work?","start_word":989,"end_word":1009,"intents":[{"intent":"Inquire about nominees","confidence_score":0.005053065}]},{"text":"So with superannuation, they are quite strict on the legislation of who you can nominate directly, so, like, without a will.","start_word":1056,"end_word":1076,"intents":[{"intent":"Explain legislation for nominations","confidence_score":0.00042026}]},{"text":"So it's a little bit more of of a hassle, but at least that way, if something ever were to happen, there Yep. is a nomination in place. So whoever you would like to receive your superannuation, will get it and also streamline it so there's not anyone else who's trying to, you know, trying to make a claim for anything as well. Yep.","start_word":1265,"end_word":1328,"intents":[{"intent":"Suggest future contact","confidence_score":0.0008797757},{"intent":"Confirm nomination process","confidence_score":0.005991085}]},{"text":"do just the will kit through the post office.","start_word":1374,"end_word":1382,"intents":[{"intent":"Inform about will kit","confidence_score":0.00059214607},{"intent":"Ask about option to send documents to post office","confidence_score":1.2556458e-8}]},{"text":"The only thing Yep. with that is just obviously making sure you read the instructions carefully and let someone know where you keep a copy.","start_word":1386,"end_word":1410,"intents":[{"intent":"Request copy of instructions","confidence_score":0.013972568}]},{"text":"And do you have access to a printer, or do you prefer post? Post is easy. Yeah.","start_word":1516,"end_word":1532,"intents":[{"intent":"Confirm access to printer","confidence_score":0.023642097}]},{"text":"I'll get the team to include the return envelope as well for you to make it easy.","start_word":1544,"end_word":1560,"intents":[{"intent":"Request return envelope","confidence_score":0.2142338}]},{"text":"and I can get if you would like, I can get the team to prefill it for you, so you just have to sign it, Yep. is that we would select legal personal representative. So that would be your nomination, would mean basically your will. Would you like Yeah. us to Okay. prefill that for you? Yep.","start_word":1623,"end_word":1679,"intents":[{"intent":"Request prefilling","confidence_score":0.05202137}]},{"text":"typically, I would say the will kit is pretty good if you obviously don't wanna do it through a lawyer. They Yep.","start_word":1745,"end_word":1766,"intents":[{"intent":"Provide information on will kit options","confidence_score":0.0016317236}]},{"text":"With the will, it it's easier because if anything change, you can just update the will. You never have to change the score. Yep.","start_word":2095,"end_word":2118,"intents":[{"intent":"Update will","confidence_score":0.15360212},{"intent":"Update will","confidence_score":0.35039252}]},{"text":"Now, otherwise, Matthew, I guess, when it comes to kind of goals and stuff that you're working on or wanting to achieve in the next couple of years, last time we kind of touched base, you were mainly focusing on building a shed and kind of focusing on paying down the mortgage as much as possible. Is Yes.","start_word":2225,"end_word":2282,"intents":[{"intent":"Discuss goals","confidence_score":0.07442564}]},{"text":"Otherwise, when it comes to superannuation, I have ideally, you'd love to retire at the age of 60 and have an ideal income of about $1,000 per week from super. Do you think that's still the goals?","start_word":2338,"end_word":2374,"intents":[{"intent":"Reflect on retirement","confidence_score":0.0015209537}]},{"text":"And the purpose behind that is just to see if we need to make any changes to your portfolio within your superannuation. So there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep.","start_word":2407,"end_word":2451,"intents":[{"intent":"Evaluate portfolio changes","confidence_score":0.06372804}]},{"text":"So if everything goes well and long term, it continues to grow. So, obviously, the risk and the growth comes kind of hand in hand that often you have to take some level of risk in order to get the the growth long term. But, obviously, Yeah.","start_word":2773,"end_word":2819,"intents":[{"intent":"Evaluate growth potential","confidence_score":0.00050717563}]},{"text":"you are.","start_word":3181,"end_word":3182,"intents":[{"intent":"Evaluate client comfort","confidence_score":0.68426496}]},{"text":"One of those documents is a twelve month performance report, which is exactly what you are asking, which is asking how the portfolio has performed in the last twelve months.","start_word":3472,"end_word":3501,"intents":[{"intent":"Report portfolio performance","confidence_score":0.023382876}]},{"text":"did you send this email? Sorry.","start_word":3582,"end_word":3587,"intents":[{"intent":"Clarify email information","confidence_score":0.0015553401},{"intent":"Confirm email","confidence_score":0.117693864}]},{"text":"Is there an attachment or something? Or Yeah.","start_word":3628,"end_word":3635,"intents":[{"intent":"Find email attachments","confidence_score":0.0019015765},{"intent":"Identify email attachments","confidence_score":0.012480818}]},{"text":"global markets, Australian market, key themes to end the year, like, your holiday schedule, looking ahead, final thoughts, chat to our advisers, and that there's nothing else there.","start_word":3686,"end_word":3713,"intents":[{"intent":"Search for key themes","confidence_score":0.000014596379}]},{"text":"yes, can you see couple of attachments before you click on the link where it says sign now?","start_word":3816,"end_word":3833,"intents":[{"intent":"Identify attachments","confidence_score":0.0029494597}]},{"text":"You got services guide, financial Yep. services guide, Yep. super summary, Yep. And then twelve month hub. that's the one. If you wanna open this one, this one shows your portfolio. The twelve month hub? Yes.","start_word":3834,"end_word":3869,"intents":[{"intent":"Open portal","confidence_score":0.0072090686}]},{"text":"If you wanna open this one, this one shows your portfolio. The twelve month hub?","start_word":3854,"end_word":3868,"intents":[{"intent":"Provide portfolio information","confidence_score":0.096076734}]},{"text":"So what's the balance there now? So that's in the super summary, but I can open it for you. You can have a look at it later if you would like. But your hub twenty four account right now is at 176,680 and 8<unk>. So how much did that go up from last year?","start_word":3969,"end_word":4022,"intents":[{"intent":"Provide account details","confidence_score":0.008295343}]},{"text":"Let me I can calculate it for you. Sorry.","start_word":4068,"end_word":4076,"intents":[{"intent":"Calculate balance","confidence_score":0.44679093}]},{"text":"And there is one particular investment that I would like to do a bit more research to potentially swap out for you, which is Yep. your Benelong Australian equity.","start_word":4186,"end_word":4214,"intents":[{"intent":"Swap investment","confidence_score":0.2655404}]},{"text":"They've kind of underperformed a little bit lately.","start_word":4308,"end_word":4315,"intents":[{"intent":"Discuss underperforming investments","confidence_score":0.008363076}]},{"text":"to see if we can, you know, find some better options for you?","start_word":4432,"end_word":4444,"intents":[{"intent":"Discuss better options","confidence_score":0.3016685}]},{"text":"Now that will kind of have a bit more in-depth with the investments, a bit of an updated projections, and how things are tracking and going for you as well. Yep.","start_word":4573,"end_word":4603,"intents":[{"intent":"Discuss investments and projections","confidence_score":0.053810544}]},{"text":"And and part of the research, I do wanted to check as well if you are open for me to research the SMA concept or whether that is not something you would like.","start_word":4604,"end_word":4636,"intents":[{"intent":"Discuss sma concept","confidence_score":0.6330875}]},{"text":"The concept is a little bit different to how you are currently set up, which your current setup would be more what we would call, like, your model portfolio where you can obviously when you go into your hub 24, you can see each and every single one of your investments.","start_word":4723,"end_word":4773,"intents":[{"intent":"Discuss investment portfolio options","confidence_score":0.0015455846}]},{"text":"Now if we wanna make a change, so if, for example, now we we look at Van Alung and we go, oh, there might be some better option, we would obviously go and do all the research for you. I would have to present everything in your statement of advice, which is what we are doing in a few weeks. You would read over it.","start_word":4774,"end_word":4838,"intents":[{"intent":"Discuss future changes","confidence_score":0.029491078}]},{"text":"I have to approve and sign it before I can make a change. So it gives you kind of full transparency in making a change.","start_word":4840,"end_word":4864,"intents":[{"intent":"Explain intents","confidence_score":0.000050391613}]},{"text":"So the concept of the SMA and why we have started that as well is that with the SMA is you invest in a portfolio.","start_word":4894,"end_word":4918,"intents":[{"intent":"Discuss investment options","confidence_score":0.017082017}]},{"text":"The only thing is we would go and do those changes for you as long as it's going to put you in a better position, and you don't have to go through the s m the SOA process.","start_word":4984,"end_word":5021,"intents":[{"intent":"Explain process","confidence_score":0.009926891},{"intent":"Explain process","confidence_score":0.06747164}]},{"text":"So it's ultimately what you are comfortable with, and if that is something that you're open for me to research as part of it if it's going to put in a better position or whether you don't like that at all.","start_word":5073,"end_word":5113,"intents":[{"intent":"Research options","confidence_score":0.018942056}]},{"text":"I will Yep. research it, and then whichever option and we have a lot of other options as well. Whichever one is going to give you the most at the end of it, Yes. I will recommend, and then you can still obviously decide from there what you would like to do. Yep.","start_word":5145,"end_word":5197,"intents":[{"intent":"Identify options","confidence_score":0.00008752586},{"intent":"Discuss options","confidence_score":0.07622534}]},{"text":"I will recommend, and then you can still obviously decide from there what you would like to do.","start_word":5179,"end_word":5196,"intents":[{"intent":"Confirm decision","confidence_score":0.023489015}]},{"text":"Now the last couple of things there, Matthew, for you is we've already gone through your super balance.","start_word":5206,"end_word":5223,"intents":[{"intent":"Provide information about super balance","confidence_score":0.00004979705}]},{"text":"And I do wanna just triple check as well that you are still comfortable in a growth portfolio, which is how you are currently Yep.","start_word":5326,"end_word":5350,"intents":[{"intent":"Explore growth portfolio options","confidence_score":0.0032054198}]},{"text":"You're just looking at changing your investments a little bit? Like, the yeah.","start_word":5370,"end_word":5382,"intents":[{"intent":"Discuss future investments","confidence_score":0.0045955577}]},{"text":"Now those two documents is an ongoing service agreement, and that's just to say that you are happy to stay on as a client. There is no changes to the fees at all. It stays exactly the same at 1.65 from superannuation, and there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract. But by finding that, allows us to stay on your account and service you in the meantime.","start_word":5424,"end_word":5506,"intents":[{"intent":"Understand client status","confidence_score":0.00054890546},{"intent":"Share contract details","confidence_score":0.0000032915916}]},{"text":"And the last one is a tax file number opt in form just from a compliance point to say that we are keeping your tax file number secure on file.","start_word":5507,"end_word":5536,"intents":[{"intent":"Discuss tax file number","confidence_score":0.0581436}]},{"text":"And the last one is a tax file number opt in form just from a compliance point to say that we are keeping your tax file number secure on file. Do you have any questions in regards to any of that? I'm just looking at this that sign now form thing. Mhmm. Yep.","start_word":5507,"end_word":5559,"intents":[{"intent":"Suggest sign-in form","confidence_score":0.0026526216}]},{"text":"So this you say this is just an agreement just for you guys to keep looking after my Subaru for me? Correct.","start_word":5561,"end_word":5582,"intents":[{"intent":"Define agreement","confidence_score":0.0017678366}]},{"text":"Would you like a reminder text sent, like, two hours or so before the appointment on the twenty third in case anything changes for you? Yes, please.","start_word":5670,"end_word":5696,"intents":[{"intent":"Request reminder text","confidence_score":0.13837989}]},{"text":"Is that going okay? Are you having any issues?","start_word":5704,"end_word":5712,"intents":[{"intent":"Confirm understanding","confidence_score":0.01381318}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Matthew? Speaking. This is Veronica from ITU Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.15501117706298828},{"text":"Good. Thanks. Good. That's good. I had you booked in to go over your annual review.","start_word":16,"end_word":31,"sentiment":"positive","sentiment_score":0.5741193890571594},{"text":"Is now still a good time for you? Were you a bit busy? Yep. Yep. Yep. It should be fine. I'm just about to turn the truck off. Actually, good Okay. timing.","start_word":32,"end_word":63,"sentiment":"neutral","sentiment_score":0.08677304536104202},{"text":"Perfect.","start_word":64,"end_word":64,"sentiment":"positive","sentiment_score":0.34855204820632935},{"text":"Now just before I do go any further, I'd just like to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. That's fine.","start_word":65,"end_word":96,"sentiment":"neutral","sentiment_score":0.06475259363651276},{"text":"Perfect.","start_word":97,"end_word":97,"sentiment":"positive","sentiment_score":0.38407376408576965},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Matthew James Cadwell, 02/03/1983, and 630 Millstream Road At Cedarvale 4285. Yep.","start_word":98,"end_word":135,"sentiment":"neutral","sentiment_score":0.05901828408241272},{"text":"Perfect. That's exactly what I have here.","start_word":136,"end_word":142,"sentiment":"positive","sentiment_score":0.5543590188026428},{"text":"And how's your day been? Been busy? Yeah. Busy. Busy. Hot. Well, I will try not to keep you for too long. Now if you are driving at the moment, what I have done is I have sent you an email with some documents. Now if you're happy for me to do so, I will just kind of run through them with you. And then when you do have a bit of a moment later, have a look through them. And if you didn't have any questions, just let me know. Is that okay? Yeah. That's fine.","start_word":143,"end_word":239,"sentiment":"neutral","sentiment_score":0.13130611181259155},{"text":"Yeah. Great. Perfect.","start_word":240,"end_word":242,"sentiment":"positive","sentiment_score":0.5080776214599609},{"text":"Now before I do kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on or just a bit of a catch up and see how things are going? Just to just to catch up to see how Yep. things are going, really. Yeah. Yeah.","start_word":243,"end_word":316,"sentiment":"neutral","sentiment_score":0.13735711574554443},{"text":"Perfect.","start_word":317,"end_word":317,"sentiment":"positive","sentiment_score":0.4824086129665375},{"text":"Now what I'll do first, Matthew, is just run through a bit of an updated fact find with you just to see if there is anything major that has changed in your life, which means we might have to make some changes to your advice. So just bear with me as I kind of go through this here. Now when it comes to your personal details, I have you down here as single with no financial dependent. Is that correct? Yeah. That's correct.","start_word":318,"end_word":400,"sentiment":"neutral","sentiment_score":0.021044086664915085},{"text":"Perfect. I do have here next up Ken, your brother Michael nominated.","start_word":401,"end_word":412,"sentiment":"positive","sentiment_score":0.43503591418266296},{"text":"Is that still the case as well? Yes. Yep. Perfect. I have his phone number ending in 485. That hasn't Yep. changed? That's the same. No. Perfect. Occupation wise, still truck driving. No changes Yes. there? Same Yep. thing. Yep. Same Perfect. company. Perfect. Income wise, I think last time we spoke, you were not super sure if it was between $1.40 and $1.60. Do you know roughly what it's at at the moment? I think so far, year to date, it would be it's about $1.40 at the moment. Perfect. And what do you think roughly Should the be total around the income for one the about 1 one sixty? 60. Yeah. Yeah. Okay. Perfect. And do you kind of get, like, overtime and stuff like that when you do longer longer Yes. shifts or anything? So that's why I kinda fluctuate a little bit. Yeah. Yeah. Yeah. That's that's with overtime. We do overtime every every day pretty much. So yeah. Yeah. And do you know as well you get employer contribution on, like, your full income, so the one sixty if that's where it kind of ends up this this year? What Or do you mean do you have by a that? so some employers will do, like, base income. So you have a base income. And then if you earn, like, overtime or bonuses and stuff on top of that, sometimes the bonuses do get contributions to superannuation, not always overtime. Some Yeah. pay on everything. Well, I think it's I think it's different every week, so it must be based on your overtime. Okay. Yeah. Yep. If if it does vary like that, then then yes. Alright. Yes.","start_word":413,"end_word":695,"sentiment":"neutral","sentiment_score":0.01852372088617655},{"text":"Perfect.","start_word":696,"end_word":696,"sentiment":"positive","sentiment_score":0.4882611036300659},{"text":"And aside from, like, the standard contributions from your employer, you're not making any additional contributions. Does No. that No. stand standard?","start_word":697,"end_word":718,"sentiment":"neutral","sentiment_score":-0.002730172360315919},{"text":"Great.","start_word":719,"end_word":719,"sentiment":"positive","sentiment_score":0.43674802780151367},{"text":"Asset wise, I have here your property was last valued at about $8.50. Do Yep. you know if that's roughly the case, or has that gone up a little bit? I'd say it's probably 900. 900. Perfect. I have mortgage about $4.80. Yep. That's correct.","start_word":720,"end_word":764,"sentiment":"neutral","sentiment_score":0.098353773355484},{"text":"That's perfect.","start_word":765,"end_word":766,"sentiment":"positive","sentiment_score":0.4232168197631836},{"text":"About house and contents of about 50,000. Yep. Yeah. Two cars, about 60,000. Perfect. Caravan, 15. Yep. Yep. Perfect. Boat 10 and ex excavator 30. That's Yep. still roughly the same? Perfect. Still the same. Yep. Any new assets otherwise in the last twelve months? No. No. Not easy. Any liabilities, like personal loans, credit cards, pay? Nothing. Nothing. Not perfect. Now health and lifestyle wise, I'd have you down here as a nonsmoker. Is that still the case? Yes. Still the case. Perfect. And any changes to, like, medications or health issues or injuries or anything? No. This is the same. No Just no the changes. same? Yep. Perfect. When it comes to estate planning, do you have a will in place, Matthew? No. I don't. No. No, like, power of attorney or anyone who makes any financial decisions on your behalf? No. No. K. Perfect. And are you politically exposed or earn an income overseas at all? No. No. Perfect. Now I can see here as well that we do have your beneficiary forms outstanding on your superannuation. So in the event that something were to happen to you, someone that you would like to nominate. Did you receive those in the post at all? I probably did and I just yeah. I hadn't done it. No.","start_word":767,"end_word":985,"sentiment":"neutral","sentiment_score":0.00619530351832509},{"text":"That's okay.","start_word":986,"end_word":987,"sentiment":"positive","sentiment_score":0.535810112953186},{"text":"Yeah. Do you have any questions in regards to them or who you would like to nominate and how that would work? Well, I think I did talk to the person last year, and they said you had to fill all the stuff out and pretty much do a a legal will kit for it to to be worth doing. It depends on who you want to nominate. So with superannuation, they are quite strict on the legislation of who you can nominate directly, so, like, without a will. So the the only people that you can nominate directly without a will would be a spouse, a child, a financial dependent, or someone who's in a interdependent relationship with you. So that would basically mean someone that has to rely on you financially at the time of your passing, and you kind of need Yeah. to live together and have you know, provide financial support or stuff like that. So I If that I I basically can't put anyone down there because I'm I'm single and I don't have kids or anything. So yeah. So for you, yep. which is the case for a lot of people, where you might wanna give it through, like, a mother or father or a sibling or nephew or niece and a cousin, Yep. anyone or friend. The way Yep.","start_word":988,"end_word":1213,"sentiment":"neutral","sentiment_score":0.04941939935088158},{"text":"you can still you can still give it to them very much.","start_word":1214,"end_word":1225,"sentiment":"positive","sentiment_score":0.34883004426956177},{"text":"The only way would be through the will. That is correct. Yeah. Yep. So on the superannuation form, you would just select that legal personal representative, which then basically means it regards to the will. Yes.","start_word":1226,"end_word":1261,"sentiment":"neutral","sentiment_score":0.1382991373538971},{"text":"That is correct.","start_word":1262,"end_word":1264,"sentiment":"positive","sentiment_score":0.33665233850479126},{"text":"So it's a little bit more of of a hassle, but at least that way, if something ever were to happen, there Yep.","start_word":1265,"end_word":1287,"sentiment":"neutral","sentiment_score":0.20626485347747803},{"text":"is a nomination in place. So whoever you would like to receive your superannuation, will get it and also streamline it so there's not anyone else who's trying to, you know, trying to make a claim for anything as well.","start_word":1288,"end_word":1327,"sentiment":"positive","sentiment_score":0.33942946791648865},{"text":"Yep. So, Yep. obviously, when you have a moment and the most comprehensive way is obviously getting a will through a lawyer, but I also understand that sometimes money and if it's straightforward estate, people not always want to do that.","start_word":1328,"end_word":1368,"sentiment":"neutral","sentiment_score":0.012546517000329204},{"text":"So you can definitely Yes. do just the will kit through the post office. That's perfectly fine. The only thing Yep.","start_word":1369,"end_word":1389,"sentiment":"positive","sentiment_score":0.4463370442390442},{"text":"with that is just obviously making sure you read the instructions carefully and let someone know where you keep a copy.","start_word":1390,"end_word":1410,"sentiment":"neutral","sentiment_score":0.27422311902046204},{"text":"You can always email it to me as well, and I can always keep a copy on file because we obviously have all your other information. So if something Yep. ever were to happen, we would have it secure on file for you as well.","start_word":1411,"end_word":1455,"sentiment":"positive","sentiment_score":0.4390791356563568},{"text":"So when you have a moment, have a kind of a a think about it and decide what you would like to do. Would you like us Yeah. Okay. to repost them to you, or do you have it somewhere? Might have to resend it. I I don't Yeah. I don't think I've got it on there. No. That's okay. And do you have access to a printer, or do you prefer post? Post is easy. Yeah. I don't have Post a printer. is easy? No. That's okay. I'll get the team to include the return envelope as well for you to make it easy. So, yeah, just let us know how you go with that. So Now that when so it if I if I have to do the wheel kit, is there any is there anything that I actually fill out on that form then? yes. So you would basically say that you want it to go through the will. So on the form Okay. and I can get if you would like, I can get the team to prefill it for you, so you just have to sign it, Yep. is that we would select legal personal representative. So that would be your nomination, would mean basically your will. Would you like Yeah. us to Okay. prefill that for you? Yep. Yep. So Yeah. I so I have to get like, do the wheel kit from the post office or something. Is that the easiest way? Or Yes. You can There are some online ones you can do as well, but I would just be really careful because some of them as well have different kind of terms and conditions and stuff like that. So, yep. typically, I would say the will kit is pretty good if you obviously don't wanna do it through a lawyer.","start_word":1456,"end_word":1764,"sentiment":"neutral","sentiment_score":0.09567709409399712},{"text":"They Yep. are they are fairly affordable as well. And, yeah, you can get them from any post office typically. So that is the easiest way to do it.","start_word":1765,"end_word":1793,"sentiment":"positive","sentiment_score":0.4999593794345856},{"text":"Yep. Like I said, some people do have, like, the online ones. I would just be a little bit careful of which one and reading the fine print if you do decide to do that. Yeah. But, yeah, Okay. otherwise, No worries. post office would be a good option. Yep. Okay. Yeah. Would If I you like, pre prefill yeah, it. prefill it to make it easy? Now there are two tick boxes as well that we can prefill for you, and that is depending on the type of nomination. So you can have a binding and a nonbinding option. Basically, binding means that the trustee of your superannuation are bound to follow your wishes, which is the most certain option, or you can have a nonbinding, which is basically means that this is what you would like to have happen, but, ultimately, it's up to the trustee to decide what they want and not us then. Which one Yeah. would you prefer? So this is the first one. Yeah. Yep. Binding.","start_word":1794,"end_word":1965,"sentiment":"neutral","sentiment_score":0.0954226851463318},{"text":"So Perfect. that's that's definitely what you want happens with it.","start_word":1966,"end_word":1976,"sentiment":"positive","sentiment_score":0.5385457873344421},{"text":"Correct. And that is, I would say, what 99% of people choose because you want Yeah. that certainty. Yes. Yep. Not all superannuation funds offer it, but if they Yep. do, yeah, typically binding is, yeah, your more certain option. So it will Yep. tick that for you. You then also have a lapsing and a non lapsing option. So a lapsing means that it expires every three years, and you have to recomplete the form. Non lapsing means that you just completed once, and it stays in place until you decide to change it. Yeah. Just just once and and to Just if I just once? yeah. Yeah. Yeah. That's what most Yeah. people say as well.","start_word":1977,"end_word":2094,"sentiment":"neutral","sentiment_score":0.10755428356134283},{"text":"With the will, it it's easier because if anything change, you can just update the will.","start_word":2095,"end_word":2110,"sentiment":"positive","sentiment_score":0.38763347268104553},{"text":"You never have to change the score.","start_word":2111,"end_word":2117,"sentiment":"neutral","sentiment_score":0.23316726088523865},{"text":"Yep.","start_word":2118,"end_word":2118,"sentiment":"positive","sentiment_score":0.337382972240448},{"text":"It's the only kind of thing sometimes is if you if you don't if you, let's say, nominate a partner or something and you leave it and you never update it and circumstances change, that's the only thing to remind you of.","start_word":2119,"end_word":2160,"sentiment":"neutral","sentiment_score":0.2567451596260071},{"text":"But if you're doing it well, it's pretty easy. That way, you can update the will whenever you want to, and you don't have to go through and update this form again.","start_word":2161,"end_word":2192,"sentiment":"positive","sentiment_score":0.4622429311275482},{"text":"Yeah.","start_word":2193,"end_word":2193,"sentiment":"neutral","sentiment_score":0.3224181532859802},{"text":"So we'll do the non lapsing and finding for you. I'll get the team to prefill that and email it post it out to you to make it nice and easy.","start_word":2194,"end_word":2224,"sentiment":"positive","sentiment_score":0.45967942476272583},{"text":"Now, otherwise, Matthew, I guess, when it comes to kind of goals and stuff that you're working on or wanting to achieve in the next couple of years, last time we kind of touched base, you were mainly focusing on building a shed and kind of focusing on paying down the mortgage as much as possible. Is Yes. that still kind of a focus point for you, or did you end up building the shed? No. I haven't done it yet. I haven't been able to. No. Yeah. So is that kind of something in the next couple of years you would like to ideally get to? Yeah. Yes. Definitely. Yeah. Yeah. Perfect. Otherwise, when it comes to superannuation, I have ideally, you'd love to retire at the age of 60 and have an ideal income of about $1,000 per week from super. Do you think that's still the goals?","start_word":2225,"end_word":2374,"sentiment":"neutral","sentiment_score":0.08973090350627899},{"text":"Oh, it'd be nice.","start_word":2375,"end_word":2378,"sentiment":"positive","sentiment_score":0.34820252656936646},{"text":"Yeah. Yep.","start_word":2379,"end_word":2380,"sentiment":"neutral","sentiment_score":0.3096958100795746},{"text":"Perfect. Now next thing I do quickly wanna run through, Matthew, is just a couple of multiple choice questions to make it nice and easy.","start_word":2381,"end_word":2405,"sentiment":"positive","sentiment_score":0.34515032172203064},{"text":"And the purpose behind that is just to see if we need to make any changes to your portfolio within your superannuation. So there's no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense? Yep. Yep. Yep.","start_word":2406,"end_word":2452,"sentiment":"neutral","sentiment_score":0.13642941415309906},{"text":"Perfect.","start_word":2453,"end_word":2453,"sentiment":"positive","sentiment_score":0.568584680557251},{"text":"Now have you ever bought direct shares yourself? A direct light? A shares, like, on the stock market or anything No. like that? No. Nothing. No. No. Perfect. Next question is in regards to inflation. So inflation means that, you know, things are getting more expensive over time, making your money worth less, and everything is costing a little bit more. Now how much of a risk are you willing to take in order to tryna, you know, make sure that you stay on top of, you know, the increasing prices and stuff when it comes to thinking about your superannuation? Would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk? Well, it's sort that's a sort of hard question. They've asked me that, and I sent it to them last time. I need to know what's happened with my money over the last twelve months first. Okay. So then it's an educated decision to go, well, did I What's did I happened? make good money compared to my friends and Yep. or family that, you know, that's in the same situation as me? Like, because I hear Yeah. some of them say how much their super has gone up in the last twelve months sort of thing. Yep.","start_word":2454,"end_word":2672,"sentiment":"neutral","sentiment_score":-0.10503708571195602},{"text":"And and then when you get your your report, sometimes you can be disappointed.","start_word":2673,"end_word":2686,"sentiment":"negative","sentiment_score":-0.4088411033153534},{"text":"Yeah. Sorry. And that's definitely valid. And I have in the reports I have sent you, I have gone over. It will outline all of that, but I'll also explain it all to you how the portfolio has gone in the last twelve months. So these are kind of it's a bit tricky because I understand it's very, like, hypothetical, and it depends on the situation. So if you are just kind of thinking about the the concept of it, not so much a dollar figure.","start_word":2687,"end_word":2772,"sentiment":"neutral","sentiment_score":-0.03881117424299551},{"text":"So if everything goes well and long term, it continues to grow.","start_word":2773,"end_word":2784,"sentiment":"positive","sentiment_score":0.47372207045555115},{"text":"So, obviously, the risk and the growth comes kind of hand in hand that often you have to take some level of risk in order to get the the growth long term. But, obviously, Yeah. you don't want too much fluctuations either. So it's also what you are comfortable with just to assess in terms of the allocation of the proportion to which type of investment. So Yeah. if you are kind of just thinking and this is this is just to get gauge how you are feeling about it, not necessarily making any change. So if you just think about it, if everything in the long term is going okay, would you be comfortable seeing short term fluctuations? So in, like, a twelve month or a six month period, you would see a bit of those fluctuation if we when we are looking more like a three five long term, it's gone up a bit. Would you be willing to take on a bit of short term fluctuation? Well, it's it's the same as the last last year. There's nothing's changed for me at Okay. all, and Okay.","start_word":2785,"end_word":2973,"sentiment":"neutral","sentiment_score":0.03783126920461655},{"text":"it was a hard hard decision last year to Yeah.","start_word":2974,"end_word":2983,"sentiment":"negative","sentiment_score":-0.3621080815792084},{"text":"try and answer that question. Like I said, we Yeah. could for an uneducated person for investing your money, Yep. that's that's why It's we've tricky. got people like you looking Yep. after it. You you should Yep. be able to recommend to us what the Yes. best thing is for us to do. Yeah. And it's Yep. very much so. A lot of it also comes down to behavioral with different clients. So we can obviously look at it from, okay. Well, what time frames do you have? How much time do you have to take on? What are your goals? But then I can Yeah. also have because it's very much tailored to individual clients. So I can have, I could have another client that's, you know, exactly similar to you, same age and everything, but they are very hesitant and very nervous when it comes to fluctuations. So in that Yeah. instance, Yeah. you might not, you know, put them in in the same category when it comes to level of fluctuation because it's also a bit of a behavioral. So that's where these kind of questions come in to gauge how comfortable Yeah. you are. But Yeah. if you Well, it was does that make sense? it was It's yeah. a bit I know. it's a bit tricky. It it it's tricky and Yeah. that and that's what I said to him. Like, Yeah. it's hard to judge until you know what it's Yep. actually how it's performed for the last year. And, Yep. like, for me, comparing it to other workmates at work that are earning the same money, Yep. how Yep. much their super has gone up in the last twelve months. And then if mine hasn't gone up at least what theirs has, I'd Yep.","start_word":2984,"end_word":3285,"sentiment":"neutral","sentiment_score":-0.022327485845874476},{"text":"be pretty disappointed because Yep. I don't have any insurances coming out of my super or anything.","start_word":3286,"end_word":3302,"sentiment":"negative","sentiment_score":-0.49997156858444214},{"text":"So straight away, I've got an extra $10,000 plus going into my super every year. Sort of thing like, well well, there's a lot of people paying $5,000 a year coming out of their super for Yeah. Yeah. for For insurance insurance. and that. No. I Yep. don't have any of that. So Yep. it should Yep.","start_word":3303,"end_word":3359,"sentiment":"neutral","sentiment_score":-0.028818896040320396},{"text":"be it should have went up a decent amount last year. And it actually has given.","start_word":3360,"end_word":3375,"sentiment":"positive","sentiment_score":0.4599913954734802},{"text":"So I'll just kind of leave this for now, assuming your your concept behind risk stays the same if we then jump through your investment returns. So Yeah. in in the documents, when you do have a look through them, you will see a couple of attachments first. So we have recently changed the software. So when you click on the the email, before you click on the link where it says sign now, you will have a range of different attachments. Now these are just there for your reference. You don't need to sign them. One of those documents is a twelve month performance report, which is exactly what you are asking, which is asking how the portfolio has performed in the last twelve months. Now the last twelve months have been, obviously, quite volatile and seen a bit of fluctuations. You have obviously everything going over in The US, and you had Trump and tariffs and everything, and, obviously, more recently, everything with the war. So there's been a bit of a, you know, tricky twelve months.","start_word":3376,"end_word":3554,"sentiment":"neutral","sentiment_score":0.00021272260883000975},{"text":"In saying that, though, your portfolio overall have done pretty good.","start_word":3555,"end_word":3565,"sentiment":"positive","sentiment_score":0.3669038414955139},{"text":"So in the last twelve months, now this is net Where's where's of all when fees. did you send this email? Sorry. It would have been just at the beginning of the call today with you. So Like fifteen minutes ago? I'll just just have a quick look. Oh, yeah. Yeah. There it is. I feel Yes. like it's Yeah. Perfect. not. Is there an attachment or something? Or Yeah. So at the at the bottom of the email so before you click on the link, if you just open the email and scroll down, you should see a couple of PDF attachments. And there should Just be got one, all two, the three, four, five. Should be about five. global markets, Australian market, key themes to end the year, like, your holiday schedule, looking ahead, final thoughts, chat to our advisers, and that there's nothing else there. It didn't have any attachments to the email? It doesn't look like it. I'm just opening up on my phone. Yeah. And that's it says it came from myself, Veronica, or was that a newsletter you were looking at? Because It that must sounded be a new like newsletter. Maybe I'm yeah. on the wrong one. Because it sounded like one of the newsletters. Let me see. If not, I can see if I can try to resend it for you. Uh-huh. Oh, here it is. Just came through. Yep.","start_word":3566,"end_word":3803,"sentiment":"neutral","sentiment_score":-0.03124599386507473},{"text":"Yeah. Perfect.","start_word":3804,"end_word":3805,"sentiment":"positive","sentiment_score":0.4990374445915222},{"text":"Yep. Yep. Hang on. I'll go So, to the bottom. yes, can you see couple of attachments before you click on the link where it says sign now? You got services guide, financial Yep. services guide, Yep. super summary, Yep. And then twelve month hub. that's the one. If you wanna open this one, this one shows your portfolio. The twelve month hub? Yes. Yep. Now this one here shows everything return wise net of fee. So after Yeah. advice fees, after administration platform fees, all of it, net of fees. Now Yes. this shows you a twelve month period.","start_word":3806,"end_word":3905,"sentiment":"neutral","sentiment_score":0.08019603788852692},{"text":"And during that twelve month period, your portfolio, despite the fluctuations we have had in the last twelve months, have still gone up by 12.28%, which is which is pretty good in, you know, everything that has happened in the last twelve months. So quite happy with that outcome Wait.","start_word":3906,"end_word":3955,"sentiment":"positive","sentiment_score":0.3932424485683441},{"text":"from How much? a purse 12.8. twelve 12.28. Twelve 0.28. Yep. Yep. Yeah. So what's the balance there now? So that's in the super summary, but I can open it for you. You can have a look at it later if you would like. But your hub twenty four account right now is at 176,680 and 8<unk>. So how much did that go up from last year? Yeah. Let me have a look. It's actually in that report you are in right now. So at the start of sorry. The the 04/09/2025, the starting balance was a 145,103 and 66<unk>. So it went up from, what, 104 what did you say? 140? Let me I can calculate it for you. Sorry. It went from so now it's a $176.06 80 and 8<unk> and starting Yep. at $248.66. That is up by after fees, so up by 31,576. Yep. Yep.","start_word":3956,"end_word":4109,"sentiment":"neutral","sentiment_score":0.03435976803302765},{"text":"That was not too bad.","start_word":4109,"end_word":4113,"sentiment":"positive","sentiment_score":0.38201960921287537},{"text":"And with your portfolio as well, because, obviously, things are always involving. It's always changing. And we do a lot of research on the different investments because what we obviously recommended when you came on board has done really has done pretty good for you, but it doesn't mean it's always going to be the case. So things are always changing. So we've we've done a lot of analysis and investment research on the different investments. And there is one particular investment that I would like to do a bit more research to potentially swap out for you, which is Yep. your Benelong Australian equity. The reason I do wanna look at swapping that if you are comfortable with it is that when you came on board, it was one of the best performing fund managers that were doing really well. This one Yep. is a little bit more expensive because it has your active management. So what I mean by that is that they are a managed fund trying to actively buy and sell different investments in order to kinda outperform the market. Yep. Like I said, they had done really well. More recently, not so much. They've kind of underperformed a little bit lately. There's been a few factors of why they have kind of underperformed. Some of it is there. They've been a little bit slower in making the choices. Also, some of the selections they have made haven't turned out. But then also one of the investments that they had in their portfolio was the corporate travel group, which had a bit of issues with reporting, which meant that they were suspended from trading. So all in all, we would like to look at swapping this for something that's doing a little bit better for you moving forward. So Yep. are you happy for me to kind of do a bit more than in-depth on the investments Yep. to see if we can, you know, find some better options for you? Yes. Definitely. Yep. Yeah.","start_word":4110,"end_word":4448,"sentiment":"neutral","sentiment_score":0.12066005170345306},{"text":"Great.","start_word":4449,"end_word":4449,"sentiment":"positive","sentiment_score":0.4557189643383026},{"text":"Now it will take me about seven days or so to do that. Yep. Now when is the best time for me to kind of present all the research and the recommendation for you? If we look at either the end of next week or the following week, when Yep. is typically better for you? Probably, yeah, the same it's around the same time. It'll be late afternoon again. Okay.","start_word":4450,"end_word":4519,"sentiment":"neutral","sentiment_score":0.12951732363019672},{"text":"Perfect.","start_word":4520,"end_word":4520,"sentiment":"positive","sentiment_score":0.4341118335723877},{"text":"Let me have a look. Sorry about that 04:30 mark. Yeah. Yep. Let me have a look here. Most of my 04:30 is booked out next week. I could do a 04:30 at Thursday, April 23. Would that Yep. That work should for you? be should be fine. Yeah. Yep.","start_word":4521,"end_word":4570,"sentiment":"neutral","sentiment_score":0.0833313912153244},{"text":"Okay. Perfect. Now that will kind of have a bit more in-depth with the investments, a bit of an updated projections, and how things are tracking and going for you as well.","start_word":4571,"end_word":4602,"sentiment":"positive","sentiment_score":0.4384136199951172},{"text":"Yep. And and part of the research, I do wanted to check as well if you are open for me to research the SMA concept or whether that is not something you would like. So I'm not sure if you've read some of the newsletters recently. No. No. That's okay. Most people say the same. Yeah. Essentially, what we what we have done is we have teamed up with BlackRock, which you may have heard of. They are one of the No. biggest fund managers in the world, but we've teamed up with them to create something that's called an SMA. So it's a self managed account. Basically, Yep. how that works, it still loads investments and everything like that. The concept is a little bit different to how you are currently set up, which your current setup would be more what we would call, like, your model portfolio where you can obviously when you go into your hub 24, you can see each and every single one of your investments. Now if we wanna make a change, so if, for example, now we we look at Van Alung and we go, oh, there might be some better option, we would obviously go and do all the research for you. I would have to present everything in your statement of advice, which is what we are doing in a few weeks. You would read over it. I have to approve and sign it before I can make a change. So it gives you kind of full transparency in making a change. The downside is that it takes obviously a lot longer to do it. Sometimes with Yep. investments, you obviously want to make decisions as quickly as possible before things change. So the concept of the SMA and why we have started that as well is that with the SMA is you invest in a portfolio. In the portfolio, you still have a range of different individual investments similar to what you have now. But how it works is that if, for example, we see that we do wanna swap out Benelon, we can do that in the back end quickly for you. You don't have to approve or change anything. We can do that because you invest in the SMA. The only thing is we would go and do those changes for you as long as it's going to put you in a better position, and you don't have to go through the s m the SOA process. Some clients think it's great because that means we can be a bit more proactive and do it quicker, whereas some clients do prefer that it's okay for it to take a bit longer because you want that full you would like to decide off the changes before we make them. So it's ultimately what you are comfortable with, and if that is something that you're open for me to research as part of it if it's going to put in a better position or whether you don't like that at all. Whatever's gonna give me the best Okay. results, I suppose. Yeah. So whatever is kind of, like, the cheapest and puts the best return, you don't really Yes. mind. Okay.","start_word":4603,"end_word":5143,"sentiment":"neutral","sentiment_score":0.07881495725645817},{"text":"Perfect.","start_word":5144,"end_word":5144,"sentiment":"positive","sentiment_score":0.4161156415939331},{"text":"I will Yep. research it, and then whichever option and we have a lot of other options as well. Whichever one is going to give you the most at the end of it, Yes.","start_word":5145,"end_word":5178,"sentiment":"neutral","sentiment_score":0.25552505254745483},{"text":"I will recommend, and then you can still obviously decide from there what you would like to do.","start_word":5179,"end_word":5196,"sentiment":"positive","sentiment_score":0.3401050269603729},{"text":"Yep.","start_word":5197,"end_word":5197,"sentiment":"neutral","sentiment_score":0.23872682452201843},{"text":"Cool. That Yes. sounds good. Great. Perfect.","start_word":5198,"end_word":5204,"sentiment":"positive","sentiment_score":0.5941347479820251},{"text":"Now the last couple of things there, Matthew, for you is we've already gone through your super balance. You have the services guide like you kind of touched on. They're just some updated updated for you. It's one of those compliance documents. You can have a read over in your own time. We've had a bit of an extension to the team, a bit of a revamp of marketing. It's all in there for you to have a bit of a read over. You will also have your Vanguard index chart similar to last year, just a bit of an updated version.","start_word":5205,"end_word":5306,"sentiment":"neutral","sentiment_score":0.11477409303188324},{"text":"It's a good visual representation of what kind of happened in, you know, the market historically looking at things.","start_word":5307,"end_word":5325,"sentiment":"positive","sentiment_score":0.39235708117485046},{"text":"And I do wanna just triple check as well that you are still comfortable in a growth portfolio, which is how you are currently Yep. invested. So in terms of lack of risk and level of fluctuation, are you comfortable with with the growth? You're just looking at changing your investments a little bit? Like, the yeah. The grape's Yeah.","start_word":5326,"end_word":5385,"sentiment":"neutral","sentiment_score":0.09837595373392104},{"text":"good.","start_word":5386,"end_word":5386,"sentiment":"positive","sentiment_score":0.3456982970237732},{"text":"Yeah.","start_word":5387,"end_word":5387,"sentiment":"neutral","sentiment_score":0.30247485637664795},{"text":"The growth's good. Great. Perfect.","start_word":5388,"end_word":5392,"sentiment":"positive","sentiment_score":0.5712674260139465},{"text":"Now the last thing is that when you have a look through if you click on the link when you have a moment, it will ask you to sign through documents.","start_word":5393,"end_word":5423,"sentiment":"neutral","sentiment_score":0.13979117572307587},{"text":"Now those two documents is an ongoing service agreement, and that's just to say that you are happy to stay on as a client.","start_word":5424,"end_word":5447,"sentiment":"positive","sentiment_score":0.35463154315948486},{"text":"There is no changes to the fees at all. It stays exactly the same at 1.65 from superannuation, and there is no lock in contract. So if at any point in time you are not happy, there is no lock in contract. But by finding that, allows us to stay on your account and service you in the meantime. And the last one is a tax file number opt in form just from a compliance point to say that we are keeping your tax file number secure on file. Do you have any questions in regards to any of that? I'm just looking at this that sign now form thing. Mhmm. Yep.","start_word":5448,"end_word":5559,"sentiment":"neutral","sentiment_score":0.16194312274456024},{"text":"Perfect.","start_word":5560,"end_word":5560,"sentiment":"positive","sentiment_score":0.34533756971359253},{"text":"So this you say this is just an agreement just for you guys to keep looking after my Subaru for me? Correct. That's it. Yeah. Yep. Just with hub 24. Yeah. So and And then once you've added the signature, I think it says set complete or something like that, it will then send it back to me, and I can load it to make sure that all came through.","start_word":5561,"end_word":5630,"sentiment":"neutral","sentiment_score":0.12091208632503236},{"text":"Not very friendly on the phone.","start_word":5631,"end_word":5636,"sentiment":"negative","sentiment_score":-0.6760728359222412},{"text":"No. It's a it's a victory. That's okay. You can take your time. I think it sometimes ask you to draw a signature too, which can be a little bit tricky. Right. Oops. Would you like a reminder text sent, like, two hours or so before the appointment on the twenty third in case anything changes for you? Yes, please.","start_word":5637,"end_word":5696,"sentiment":"neutral","sentiment_score":0.04295442253351211},{"text":"That'd be good.","start_word":5697,"end_word":5699,"sentiment":"positive","sentiment_score":0.42110675573349},{"text":"Yes. Yeah. Okay.","start_word":5700,"end_word":5702,"sentiment":"neutral","sentiment_score":0.16239625215530396},{"text":"Perfect.","start_word":5703,"end_word":5703,"sentiment":"positive","sentiment_score":0.38693052530288696},{"text":"Is that going okay? Are you having any issues? Yeah. I just could be scrolling through it, and it wants me to fill in the dates and everything. Yeah. Sometimes when you add the signature, it automatically adds the date when you've done the signature. Yeah. But maybe sometimes it's also I don't which know. fine and stuff you use. Validate? Let me Yep. see what it does. That typically does it. Yeah. It says you'll get a signed document by email. Yep.","start_word":5704,"end_word":5786,"sentiment":"neutral","sentiment_score":0.04392998293042183},{"text":"Perfect. I have seen that come through as well.","start_word":5787,"end_word":5795,"sentiment":"positive","sentiment_score":0.3674090802669525},{"text":"Now it's also there if you do wanna download it on your end. We always keep a copy on file if you ever wanna request any documents as well. Yep. That's all come through. I will get the team to repost the beneficiary form for you as well and have it prefilled. Before I do Yep. let you go, I do wanna just quickly confirm as well. I know you mentioned that you don't have any insurances at the moment, And I know that when you obviously came on board, a lot of insurance with truck drivers are not favorable when it comes through to risk and stuff like that. Are you still Yep. happy to not have insurances, or what are your thoughts on insurances? Yeah. It's fine for now, I think. Yep. Okay. Perfect. Yeah. If anything does change, you know, down the track or anything like that, Matthew, just give me a call, and we can always reassess it. Otherwise, I will just focus on your superannuation at the moment just for the investments to see if we wanna swap out that Benelon and have a look at other Yep. portfolios just to make sure they're doing the best that it can for you. So that is Yep. all booked in on Thursday, April 23. Like I said, if anything changes, you can't make the appointment, just let me know, and we can always get that reshuffled for you. Okay. No worries.","start_word":5796,"end_word":6040,"sentiment":"neutral","sentiment_score":0.06206962232078825},{"text":"Perfect.","start_word":6041,"end_word":6041,"sentiment":"positive","sentiment_score":0.6324297189712524},{"text":"Do you have any other questions for me before I let you go this afternoon, Matthew? No. No. That's Matthew? it. No?","start_word":6042,"end_word":6063,"sentiment":"neutral","sentiment_score":0.1008758544921875},{"text":"That's great. Perfect. Well, thank you so much for your time today, and I look forward to speaking with you on the twenty third. Okay. Thank you. No worries. Thanks.","start_word":6064,"end_word":6093,"sentiment":"positive","sentiment_score":0.692595362663269},{"text":"Speak soon. Bye. Bye.","start_word":6094,"end_word":6097,"sentiment":"neutral","sentiment_score":0.25189805030822754}],"average":{"sentiment":"neutral","sentiment_score":0.08977521064288128}}}}