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I've got you booked in for a bit of a super review, a bit of a catch up on a few things here. I'm just wondering if you still got time. Perfect. Now I've got a bit of an updated review pack to send through to you. Will you have access to your email today to look onto it, or should I just kinda walk you through what's coming by? That's alright. I'll send it through just so you've got it, and then I can kinda chat you through the details and answer any questions you've got. Beautiful. Now just for the usual security process, so I'm registered with Aptive as adviser 1273105. Could I please just confirm your date of birth and address that we would have on file? Yeah. Sensational. And do you want to pay for the call to be recorded? Beautiful. So just to let you know a little bit about what's coming through, we've got just an updated summary of how the food is going and some new kind of service guides from Oakview just with all our updated licensing information, privacy policy, and that kind of thing. Cool. Now outside of that, is there anything in particular you are hoping to get out of today's call? Right. Right. Right. Okay. So that kind of leads into two different aspects. You've got the estate planning side of things, and then you've got things like, you know, funeral insurance, life insurance, and so on that we can talk about. I'll quickly check your account here on Hub. Just let me look. We've got... Just for the super side of things, so that is listed for Alex's child to receive the super. Does that still sound correct for you? Beautiful. Now we don't have any kind of life insurance or anything in place that I can see. It's just the super at this point. Pretty much. Pretty much. Cool. Now outside of that, just in terms of looking at the goals and everything, obviously, we're trying to grow the super towards possibly, like, age 67 where we try and get as much super as we can. Obviously, you need to protect it at some point. You don't wanna be sitting there at age 66, sitting in a growth portfolio where you might lose it just before you retire, if that makes sense. So on about 500 a week. And, obviously, age pension will kick in at that age as well. So you'll get a bit of a double pension, one from the super, one from the government. Cool. Outside of that, main focus is that I can see was basically just paying down the credit card, building up your savings. Is that kind of still your main focus for the for the next twelve months? Beautiful. Anything else that you're focusing on the next few years? Any goals you want me to add in? Cool. Now I'm having a look at the details that Michelle had captured from you. So we've got your your next of kin for us or emergency contact is listed as Rhonda. Is that still correct? So we've got you as a grave digger for the council, I believe, on about 66,535 an hour. Or is it the parts and garden type work I can see? Cool. And that's not linked in with the council at all? Is it private? Oh, cool. And did you need... Was it like a a contribution form to give to the employer, or have we already given you that? Beautiful. And can I just double check with you, sorry, the the name of the company you said it was? Yeah. Lavish. Yep. Lavish Lawn Care. And Michelle did mention that you're probably not too sure on, like, the the the annual income side of things. Is that right? Do you know how much your your kind of hourly rate is so I can work it out for you? Yep. Thirty three bucks for now. Is that full time, part time, casual? Casual. Any idea on on what the hours are gonna look like for you? Yep. And pretty much every day, or how how often do you reckon it's gonna change? Oh, yep. Cool. Six to seven hours a day, Monday to Friday. So I'll I'll work that out after the call and just update your income details for the, like, contributions and projections. Outside of that, we've got the car, about $10 resale value, credit card sitting about 6,500 owing on that one. And is there any savings I can note down just as a bit of anything you've built up the last year or so? Beautiful. The other thing that we mentioned too was just in terms of estate planning. I don't believe you have, like, a will or a power of attorney in place. You haven't put one of those in place in the last nine months. Cool. If that's something that you're interested in, I know, obviously, lawyers can charge an arm or a leg. There's, like, government approved will kits from the post office that are, like, $25 a pop for a basic will. They're not the most amazing, but they're they're kinda helpful to get something in writing. Cool. Outside of that, so didn't want any quotes for any kind of insurance stuff or just focus on the search at this point? Awesome. And I'm assuming just because you're going to start at this job, we're probably not looking at doing any additional contributions to search at this point, just focus on the the savings. Awesome. So when that changes, we'll update it. For now, I'll just base it on that 33 an hour, six to seven hours a day. Beautiful. When it comes to the super... So you went through a bit of an investment switch with my colleague, Kyle, earlier in the year, if you recall, just to pick up that Bedouin option that was kinda crashing. Does that ring a bell? K. So what was basically happening was the world's kind of gone on fire a couple of times this year. March... Sorry. January to March was the Iran war. And then since mid October, we've had the markets dropping again. So you've been on board with us for about... Just coming on three years, and you've already had three market drops in three years, which is a bit of a record. Just goes to show what's currently going on in the world is a bit abnormal, if I must say. One of the good things that I can tell you is that you're you're still up positive for the year at least 5% after this. So, like, it's still wrong even with the market going crazy. On top of that, I mentioned at the start of the call that kind of growth risk profile, if that rings a bit. So when you're in a growth, we pretty much got, like, 80% of your money in growth assets, like shares, property, and gold, that kind of high risk, high return. 20 percent is the safest side of things. So you're kind of aiming for, like, an average return of, say, 9% after fees would be pretty much a benchmark for you to make sure you're on track. You've managed to clear. I'm just having a look at it now since you came on board about two point eight years. You managed to clear a little bit over 10% after fees as well, but still tracking pretty well despite everything going on. The only thing I'll keep an eye on is when you see that review pack, what you'll see inside the performance report. So you had that option that was going down. That one got sold down to zero, and then we switched it out for a lower fee option. That's about for a fifth of the cost and much better performance as well. Kind of... When the the Australian stock market goes up and down, it kind of hugs it pretty closely, whereas that other option that you had before, it was kind of shooting down a lot faster. The two things I'll keep an eye on is you've got some really fun investments in there. You've got some gold that's been doing good. You've got some... They call it battery tech and lithium that kinda links into electric vehicles and that kind of thing. That one's shooting up 19%. Cybersecurity up 25%. That's pretty good. Obviously, the AI stuff, there's a lot of lot of AI cybersecurity companies that are doing pretty well. So the only tool I'll keep an eye on is you've got a property option. And, obviously, I don't know if you heard the the legislation changes that they brought in about the capital gains tax, the negative gearing. Yeah. So that one's dropped a little bit. No. I'll keep an eye on that one because what we're thinking is, obviously, everyone's a bit... They call it fear and greed in the market. At the moment, everyone's in fear mode after that, and I was buying and selling property or not buying, really. We reckon that it could bounce back in the New Year, so I'll keep an eye on that one. If it still hasn't picked up after, say, January, February, I might have to switch it out for a different asset class. Cool. No. So what I might do... There's another one there. The government's changing a few kind of term deposits and bonds. There's one in particular that's kind of being phased out the next couple of years, but you've gotten some good returns out of it. Some pretty good, you know, 4% growth for the safe side. So what I'll do, if you're comfortable, I can punch in for a bit of a catch up in February, and we can see what it's looking like, and I might be able to tweak a couple of those options around about then. Cool. Now that kind of lines up pretty well to be... We we call them, like, quarterly, six monthly catch up or annual review. I'm gonna put in for a six month catch up before the next review around this time next year. Is there anything else you want me to kind of focus on before Christmas, after Christmas, anything in particular? Cool. So if you're okay with that, with the the review pack I've sent out there, we're just wondering if you're still comfortable, obviously, to remain a client of ours and kind of refresh that twelve month consent for Hub 24. Yep. Now bear in mind, it's not like a lock in contract. It's basically just a consent as well. We still charge that kind of 1.65%, but it splits over the twelve months. The other thing too is that we've got a new structure in place in that service guide. When we get you above 200,000, there's some discounts that we've started adding to clients as well just to kind of help boost things up. So once we get you above 200,000, those extra tiers will apply. New discounts there down the line in a year or two time. Cool. Alrighty. Now outside of that, so one thing I did wanna mention is because retirement is... Let's have a little look here. At age 67, you got the age pension. Growth risk profile, you wanna have at least eight to nine years to kind of get those returns with all the market drops that happen. And I reckon in about two or three years' time, once we got some good growth out of it, we probably need to slowly start reducing your risk level down as you approach the 60 kind of thing. Yeah. So, basically, instead of sitting at 80% growth assets in a couple of years' time, if we get some good years in the market, we'll drop you down to 70% and then sixty, fifty, 40, and that's kind of like a nice state pension account to to sit on in retirement. Sound alright? Beautiful. So I will leave that pack with you when you do have time to read through it. If you're comfortable with it, give us a sign and and flick it back, and we'll attach it to the hub account just so that we can make transactions on your behalf. Outside of that, I've updated the income and the occupation. And then we will catch up with you around February time and see if the old property market picked up then. Awesome. Andrew, any questions for me before I let you go, sir? Awesome, mate. Best of luck with the new job. Hopefully, you get that nice new permanent one again soon. And if anything pops up, just give us a buzz. Oh, awesome, mate. See you later. Thank you so much. 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day, Andrew. It's Tommy here, senior adviser from. How are you doing? Hi. Good to hear.\n\nGood to hear. I've got you booked in for a bit of a super review, a bit of a catch up on a few things here. I'm just wondering if you still got time. Perfect. Now I've got a bit of an updated review pack to send through to you.\n\nWill you have access to your email today to look onto it, or should I just kinda walk you through what's coming by? That's alright. I'll send it through just so you've got it, and then I can kinda chat you through the details and answer any questions you've got. Beautiful. Now just for the usual security process, so I'm registered with Aptive as adviser 1273105.\n\nCould I please just confirm your date of birth and address that we would have on file? Yeah. Sensational. And do you want to pay for the call to be recorded? Beautiful.\n\nSo just to let you know a little bit about what's coming through, we've got just an updated summary of how the food is going and some new kind of service guides from Oakview just with all our updated licensing information, privacy policy, and that kind of thing. Cool. Now outside of that, is there anything in particular you are hoping to get out of today's call? Right. Right.\n\nRight. Okay. So that kind of leads into two different aspects. You've got the estate planning side of things, and then you've got things like, you know, funeral insurance, life insurance, and so on that we can talk about. I'll quickly check your account here on Hub.\n\nJust let me look. We've got... Just for the super side of things, so that is listed for Alex's child to receive the super. Does that still sound correct for you? Beautiful.\n\nNow we don't have any kind of life insurance or anything in place that I can see. It's just the super at this point. Pretty much. Pretty much. Cool.\n\nNow outside of that, just in terms of looking at the goals and everything, obviously, we're trying to grow the super towards possibly, like, age 67 where we try and get as much super as we can. Obviously, you need to protect it at some point. You don't wanna be sitting there at age 66, sitting in a growth portfolio where you might lose it just before you retire, if that makes sense. So on about 500 a week. And, obviously, age pension will kick in at that age as well.\n\nSo you'll get a bit of a double pension, one from the super, one from the government. Cool. Outside of that, main focus is that I can see was basically just paying down the credit card, building up your savings. Is that kind of still your main focus for the for the next twelve months? Beautiful.\n\nAnything else that you're focusing on the next few years? Any goals you want me to add in? Cool. Now I'm having a look at the details that Michelle had captured from you. So we've got your your next of kin for us or emergency contact is listed as Rhonda.\n\nIs that still correct? So we've got you as a grave digger for the council, I believe, on about 66,535 an hour. Or is it the parts and garden type work I can see? Cool. And that's not linked in with the council at all?\n\nIs it private? Oh, cool. And did you need... Was it like a a contribution form to give to the employer, or have we already given you that? Beautiful.\n\nAnd can I just double check with you, sorry, the the name of the company you said it was? Yeah. Lavish. Yep. Lavish Lawn Care.\n\nAnd Michelle did mention that you're probably not too sure on, like, the the the annual income side of things. Is that right? Do you know how much your your kind of hourly rate is so I can work it out for you? Yep. Thirty three bucks for now.\n\nIs that full time, part time, casual? Casual. Any idea on on what the hours are gonna look like for you? Yep. And pretty much every day, or how how often do you reckon it's gonna change?\n\nOh, yep. Cool. Six to seven hours a day, Monday to Friday. So I'll I'll work that out after the call and just update your income details for the, like, contributions and projections. Outside of that, we've got the car, about $10 resale value, credit card sitting about 6,500 owing on that one.\n\nAnd is there any savings I can note down just as a bit of anything you've built up the last year or so? Beautiful. The other thing that we mentioned too was just in terms of estate planning. I don't believe you have, like, a will or a power of attorney in place. You haven't put one of those in place in the last nine months.\n\nCool. If that's something that you're interested in, I know, obviously, lawyers can charge an arm or a leg. There's, like, government approved will kits from the post office that are, like, $25 a pop for a basic will. They're not the most amazing, but they're they're kinda helpful to get something in writing. Cool.\n\nOutside of that, so didn't want any quotes for any kind of insurance stuff or just focus on the search at this point? Awesome. And I'm assuming just because you're going to start at this job, we're probably not looking at doing any additional contributions to search at this point, just focus on the the savings. Awesome. So when that changes, we'll update it.\n\nFor now, I'll just base it on that 33 an hour, six to seven hours a day. Beautiful. When it comes to the super... So you went through a bit of an investment switch with my colleague, Kyle, earlier in the year, if you recall, just to pick up that Bedouin option that was kinda crashing. Does that ring a bell?\n\nK. So what was basically happening was the world's kind of gone on fire a couple of times this year. March... Sorry. January to March was the Iran war.\n\nAnd then since mid October, we've had the markets dropping again. So you've been on board with us for about... Just coming on three years, and you've already had three market drops in three years, which is a bit of a record. Just goes to show what's currently going on in the world is a bit abnormal, if I must say. One of the good things that I can tell you is that you're you're still up positive for the year at least 5% after this.\n\nSo, like, it's still wrong even with the market going crazy. On top of that, I mentioned at the start of the call that kind of growth risk profile, if that rings a bit. So when you're in a growth, we pretty much got, like, 80% of your money in growth assets, like shares, property, and gold, that kind of high risk, high return. 20 percent is the safest side of things. So you're kind of aiming for, like, an average return of, say, 9% after fees would be pretty much a benchmark for you to make sure you're on track.\n\nYou've managed to clear. I'm just having a look at it now since you came on board about two point eight years. You managed to clear a little bit over 10% after fees as well, but still tracking pretty well despite everything going on. The only thing I'll keep an eye on is when you see that review pack, what you'll see inside the performance report. So you had that option that was going down.\n\nThat one got sold down to zero, and then we switched it out for a lower fee option. That's about for a fifth of the cost and much better performance as well. Kind of... When the the Australian stock market goes up and down, it kind of hugs it pretty closely, whereas that other option that you had before, it was kind of shooting down a lot faster. The two things I'll keep an eye on is you've got some really fun investments in there.\n\nYou've got some gold that's been doing good. You've got some... They call it battery tech and lithium that kinda links into electric vehicles and that kind of thing. That one's shooting up 19%. Cybersecurity up 25%.\n\nThat's pretty good. Obviously, the AI stuff, there's a lot of lot of AI cybersecurity companies that are doing pretty well. So the only tool I'll keep an eye on is you've got a property option. And, obviously, I don't know if you heard the the legislation changes that they brought in about the capital gains tax, the negative gearing. Yeah.\n\nSo that one's dropped a little bit. No. I'll keep an eye on that one because what we're thinking is, obviously, everyone's a bit... They call it fear and greed in the market. At the moment, everyone's in fear mode after that, and I was buying and selling property or not buying, really.\n\nWe reckon that it could bounce back in the New Year, so I'll keep an eye on that one. If it still hasn't picked up after, say, January, February, I might have to switch it out for a different asset class. Cool. No. So what I might do...\n\nThere's another one there. The government's changing a few kind of term deposits and bonds. There's one in particular that's kind of being phased out the next couple of years, but you've gotten some good returns out of it. Some pretty good, you know, 4% growth for the safe side. So what I'll do, if you're comfortable, I can punch in for a bit of a catch up in February, and we can see what it's looking like, and I might be able to tweak a couple of those options around about then.\n\nCool. Now that kind of lines up pretty well to be... We we call them, like, quarterly, six monthly catch up or annual review. I'm gonna put in for a six month catch up before the next review around this time next year. Is there anything else you want me to kind of focus on before Christmas, after Christmas, anything in particular?\n\nCool. So if you're okay with that, with the the review pack I've sent out there, we're just wondering if you're still comfortable, obviously, to remain a client of ours and kind of refresh that twelve month consent for Hub 24. Yep. Now bear in mind, it's not like a lock in contract. It's basically just a consent as well.\n\nWe still charge that kind of 1.65%, but it splits over the twelve months. The other thing too is that we've got a new structure in place in that service guide. When we get you above 200,000, there's some discounts that we've started adding to clients as well just to kind of help boost things up. So once we get you above 200,000, those extra tiers will apply. New discounts there down the line in a year or two time.\n\nCool. Alrighty. Now outside of that, so one thing I did wanna mention is because retirement is... Let's have a little look here. At age 67, you got the age pension.\n\nGrowth risk profile, you wanna have at least eight to nine years to kind of get those returns with all the market drops that happen. And I reckon in about two or three years' time, once we got some good growth out of it, we probably need to slowly start reducing your risk level down as you approach the 60 kind of thing. Yeah. So, basically, instead of sitting at 80% growth assets in a couple of years' time, if we get some good years in the market, we'll drop you down to 70% and then sixty, fifty, 40, and that's kind of like a nice state pension account to to sit on in retirement. Sound alright?\n\nBeautiful. So I will leave that pack with you when you do have time to read through it. If you're comfortable with it, give us a sign and and flick it back, and we'll attach it to the hub account just so that we can make transactions on your behalf. Outside of that, I've updated the income and the occupation. And then we will catch up with you around February time and see if the old property market picked up then.\n\nAwesome. Andrew, any questions for me before I let you go, sir? Awesome, mate. Best of luck with the new job. Hopefully, you get that nice new permanent one again soon.\n\nAnd if anything pops up, just give us a buzz. Oh, awesome, mate. See you later. Thank you so much. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Andrew.","start":2.48,"end":3.12,"sentiment":"positive","sentiment_score":0.40467023849487305},{"text":"It's Tommy here, senior adviser from.","start":3.12,"end":5.22,"sentiment":"neutral","sentiment_score":0.25824082146088284},{"text":"How are you doing?","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.23205490037798882},{"text":"Hi.","start":9.04,"end":9.36,"sentiment":"neutral","sentiment_score":0.2771270275115967},{"text":"Good to hear.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.5405114889144897}],"sentiment":"neutral","sentiment_score":0.3288433376480551,"num_words":17,"start":2.48,"end":9.92},{"sentences":[{"text":"Good to hear.","start":9.92,"end":10.559999,"sentiment":"positive","sentiment_score":0.6287215749422709},{"text":"I've got you booked in for a bit of a super review, a bit of a catch up on a few things here.","start":10.559999,"end":15.345,"sentiment":"positive","sentiment_score":0.34300096656965173},{"text":"I'm just wondering if you still got time.","start":15.425,"end":17.125,"sentiment":"neutral","sentiment_score":0.01644262159243226},{"text":"Perfect.","start":19.585,"end":20.065,"sentiment":"positive","sentiment_score":0.5682807564735413},{"text":"Now I've got a bit of an updated review pack to send through to you.","start":20.065,"end":23.685,"sentiment":"neutral","sentiment_score":0.24475073516368867}],"sentiment":"neutral","sentiment_score":0.28292539425194263,"num_words":50,"start":9.92,"end":23.685},{"sentences":[{"text":"Will you have access to your email today to look onto it, or should I just kinda walk you through what's coming by?","start":24.065,"end":30.32,"sentiment":"neutral","sentiment_score":0.10878879609315292},{"text":"That's alright.","start":39.58,"end":40.22,"sentiment":"neutral","sentiment_score":0.047368782572448254},{"text":"I'll send it through just so you've got it, and then I can kinda chat you through the details and answer any questions you've got.","start":40.22,"end":45.715,"sentiment":"neutral","sentiment_score":0.10111659660935401},{"text":"Beautiful.","start":48.015,"end":48.515,"sentiment":"positive","sentiment_score":0.4422256350517273},{"text":"Now just for the usual security process, so I'm registered with Aptive as adviser 1273105.","start":48.815,"end":55.59,"sentiment":"neutral","sentiment_score":0.1400984436273575}],"sentiment":"neutral","sentiment_score":0.11618934969671747,"num_words":66,"start":24.065,"end":55.59},{"sentences":[{"text":"Could I please just confirm your date of birth and address that we would have on file?","start":56.07,"end":60.25,"sentiment":"neutral","sentiment_score":0.0457993488320533},{"text":"Yeah.","start":65.35,"end":65.85,"sentiment":"neutral","sentiment_score":0.023984219878911972},{"text":"Sensational.","start":71.125,"end":71.625,"sentiment":"neutral","sentiment_score":0.029398232698440552},{"text":"And do you want to pay for the call to be recorded?","start":71.84499,"end":73.625,"sentiment":"neutral","sentiment_score":0.007359084052344163},{"text":"Beautiful.","start":76.725,"end":77.204994,"sentiment":"positive","sentiment_score":0.3604122996330261}],"sentiment":"neutral","sentiment_score":0.04002164659323171,"num_words":32,"start":56.07,"end":77.204994},{"sentences":[{"text":"So just to let you know a little bit about what's coming through, we've got just an updated summary of how the food is going and some new kind of service guides from Oakview just with all our updated licensing information, privacy policy, and that kind of thing.","start":77.204994,"end":93.11,"sentiment":"neutral","sentiment_score":0.19522243551909924},{"text":"Cool.","start":96.130005,"end":96.555,"sentiment":"neutral","sentiment_score":0.23193711042404175},{"text":"Now outside of that, is there anything in particular you are hoping to get out of today's call?","start":96.795,"end":101.375,"sentiment":"neutral","sentiment_score":0.03239332387844721},{"text":"Right.","start":121.05,"end":121.29,"sentiment":"neutral","sentiment_score":0.003908392041921616},{"text":"Right.","start":121.29,"end":121.53,"sentiment":"neutral","sentiment_score":0.004389336332678795}],"sentiment":"neutral","sentiment_score":0.1477390083119921,"num_words":69,"start":77.204994,"end":121.53},{"sentences":[{"text":"Right.","start":121.53,"end":121.85,"sentiment":"neutral","sentiment_score":0.003870077431201935},{"text":"Okay.","start":121.85,"end":122.17,"sentiment":"neutral","sentiment_score":-0.02298014983534813},{"text":"So that kind of leads into two different aspects.","start":122.17,"end":125.375,"sentiment":"neutral","sentiment_score":0.009618803237875303},{"text":"You've got the estate planning side of things, and then you've got things like, you know, funeral insurance, life insurance, and so on that we can talk about.","start":125.674995,"end":134.33499,"sentiment":"neutral","sentiment_score":0.0366893118646528},{"text":"I'll quickly check your account here on Hub.","start":135.72,"end":138.12,"sentiment":"neutral","sentiment_score":0.050144012086093426}],"sentiment":"neutral","sentiment_score":0.03182791458799484,"num_words":47,"start":121.53,"end":138.12},{"sentences":[{"text":"Just let me look.","start":138.12,"end":139.18,"sentiment":"neutral","sentiment_score":0.03351223515346646},{"text":"We've got...","start":139.23999,"end":140.14,"sentiment":"neutral","sentiment_score":0.014238026924431324},{"text":"Just for the super side of things, so that is listed for Alex's child to receive the super.","start":140.44,"end":146.44,"sentiment":"neutral","sentiment_score":0.053927474137809545},{"text":"Does that still sound correct for you?","start":146.44,"end":148.035,"sentiment":"neutral","sentiment_score":0.0794005926166262},{"text":"Beautiful.","start":150.595,"end":151.095,"sentiment":"positive","sentiment_score":0.5723469257354736}],"sentiment":"neutral","sentiment_score":0.07066783134359866,"num_words":32,"start":138.12,"end":151.095},{"sentences":[{"text":"Now we don't have any kind of life insurance or anything in place that I can see.","start":151.235,"end":156.295,"sentiment":"neutral","sentiment_score":-0.09066595027551931},{"text":"It's just the super at this point.","start":156.595,"end":158.535,"sentiment":"neutral","sentiment_score":-0.07269030277218137},{"text":"Pretty much.","start":164.93001,"end":165.75,"sentiment":"neutral","sentiment_score":0.07273183390498161},{"text":"Pretty much.","start":165.89,"end":166.63,"sentiment":"neutral","sentiment_score":0.07018988579511642},{"text":"Cool.","start":174.45,"end":174.95,"sentiment":"neutral","sentiment_score":0.22660350799560547}],"sentiment":"neutral","sentiment_score":-0.05302435609287229,"num_words":29,"start":151.235,"end":174.95},{"sentences":[{"text":"Now outside of that, just in terms of looking at the goals and everything, obviously, we're trying to grow the super towards possibly, like, age 67 where we try and get as much super as we can.","start":175.17,"end":186.63501,"sentiment":"neutral","sentiment_score":0.07515234862630432},{"text":"Obviously, you need to protect it at some point.","start":187.175,"end":188.855,"sentiment":"neutral","sentiment_score":-0.042046924846039876},{"text":"You don't wanna be sitting there at age 66, sitting in a growth portfolio where you might lose it just before you retire, if that makes sense.","start":188.855,"end":196.49,"sentiment":"neutral","sentiment_score":-0.04693462561678003},{"text":"So on about 500 a week.","start":198.07,"end":200.09,"sentiment":"neutral","sentiment_score":0.06140491925179958},{"text":"And, obviously, age pension will kick in at that age as well.","start":201.03,"end":204.07,"sentiment":"neutral","sentiment_score":0.05898561297605435}],"sentiment":"neutral","sentiment_score":0.024299302803618566,"num_words":91,"start":175.17,"end":204.07},{"sentences":[{"text":"So you'll get a bit of a double pension, one from the super, one from the government.","start":204.07,"end":208.265,"sentiment":"neutral","sentiment_score":0.06407103380736183},{"text":"Cool.","start":210.24501,"end":210.74501,"sentiment":"neutral","sentiment_score":0.2576576769351959},{"text":"Outside of that, main focus is that I can see was basically just paying down the credit card, building up your savings.","start":211.125,"end":217.765,"sentiment":"neutral","sentiment_score":0.16408084603873166},{"text":"Is that kind of still your main focus for the for the next twelve months?","start":217.765,"end":222.97,"sentiment":"neutral","sentiment_score":0.13368080755074818},{"text":"Beautiful.","start":223.83,"end":224.33,"sentiment":"positive","sentiment_score":0.441796362400055}],"sentiment":"neutral","sentiment_score":0.13220807750310218,"num_words":56,"start":204.07,"end":224.33},{"sentences":[{"text":"Anything else that you're focusing on the next few years?","start":224.55,"end":226.95,"sentiment":"neutral","sentiment_score":0.22334338426589967},{"text":"Any goals you want me to add in?","start":226.95,"end":228.89,"sentiment":"neutral","sentiment_score":0.15049018617719412},{"text":"Cool.","start":232.47,"end":232.845,"sentiment":"neutral","sentiment_score":0.10538185387849808},{"text":"Now I'm having a look at the details that Michelle had captured from you.","start":233.80501,"end":238.865,"sentiment":"neutral","sentiment_score":0.06657774347279753},{"text":"So we've got your your next of kin for us or emergency contact is listed as Rhonda.","start":238.925,"end":245.105,"sentiment":"neutral","sentiment_score":0.06877119466662407}],"sentiment":"neutral","sentiment_score":0.11287871807813644,"num_words":50,"start":224.55,"end":245.105},{"sentences":[{"text":"Is that still correct?","start":245.72,"end":246.86,"sentiment":"neutral","sentiment_score":0.053290920332074165},{"text":"So we've got you as a grave digger for the council, I believe, on about 66,535 an hour.","start":248.6,"end":255.74,"sentiment":"neutral","sentiment_score":-0.001305245225214296},{"text":"Or is it the parts and garden type work I can see?","start":258.84,"end":269.245,"sentiment":"neutral","sentiment_score":-0.05018790881149471},{"text":"Cool.","start":277.69,"end":278.19,"sentiment":"neutral","sentiment_score":0.0914185643196106},{"text":"And that's not linked in with the council at all?","start":278.25,"end":280.25,"sentiment":"neutral","sentiment_score":-0.04282197616994381}],"sentiment":"neutral","sentiment_score":-0.016653040796518324,"num_words":45,"start":245.72,"end":280.25},{"sentences":[{"text":"Is it private?","start":280.25,"end":280.91,"sentiment":"neutral","sentiment_score":-0.0524943924198548},{"text":"Oh, cool.","start":289.225,"end":289.70502,"sentiment":"neutral","sentiment_score":0.10675815120339394},{"text":"And did you need...","start":289.70502,"end":290.925,"sentiment":"neutral","sentiment_score":0.016708979848772287},{"text":"Was it like a a contribution form to give to the employer, or have we already given you that?","start":291.305,"end":295.645,"sentiment":"neutral","sentiment_score":0.008596900164296753},{"text":"Beautiful.","start":299.945,"end":300.445,"sentiment":"positive","sentiment_score":0.48348718881607056}],"sentiment":"neutral","sentiment_score":0.026541287464828325,"num_words":29,"start":280.25,"end":300.445},{"sentences":[{"text":"And can I just double check with you, sorry, the the name of the company you said it was?","start":300.505,"end":304.29,"sentiment":"neutral","sentiment_score":0.0787267966293975},{"text":"Yeah.","start":306.13,"end":306.53,"sentiment":"neutral","sentiment_score":0.07247225940227509},{"text":"Lavish.","start":306.53,"end":307.03,"sentiment":"neutral","sentiment_score":0.08712046593427658},{"text":"Yep.","start":308.61002,"end":309.01,"sentiment":"neutral","sentiment_score":0.1185547336935997},{"text":"Lavish Lawn Care.","start":309.01,"end":310.55002,"sentiment":"neutral","sentiment_score":0.10225147505601247}],"sentiment":"neutral","sentiment_score":0.08322844080626965,"num_words":25,"start":300.505,"end":310.55002},{"sentences":[{"text":"And Michelle did mention that you're probably not too sure on, like, the the the annual income side of things.","start":313.49002,"end":319.01,"sentiment":"neutral","sentiment_score":-0.007890736812260001},{"text":"Is that right?","start":319.01,"end":319.605,"sentiment":"neutral","sentiment_score":0.024731645360589027},{"text":"Do you know how much your your kind of hourly rate is so I can work it out for you?","start":322.08502,"end":325.945,"sentiment":"neutral","sentiment_score":0.02666290458291769},{"text":"Yep.","start":330.08502,"end":330.405,"sentiment":"neutral","sentiment_score":0.0481136254966259},{"text":"Thirty three bucks for now.","start":330.405,"end":331.8,"sentiment":"neutral","sentiment_score":0.032805325090885164}],"sentiment":"neutral","sentiment_score":0.013505684539713726,"num_words":49,"start":313.49002,"end":331.8},{"sentences":[{"text":"Is that full time, part time, casual?","start":333.0,"end":335.5,"sentiment":"neutral","sentiment_score":0.030392123652356013},{"text":"Casual.","start":337.96,"end":338.46,"sentiment":"neutral","sentiment_score":0.03717932850122452},{"text":"Any idea on on what the hours are gonna look like for you?","start":338.84,"end":341.81998,"sentiment":"neutral","sentiment_score":0.0071450815751002384},{"text":"Yep.","start":351.895,"end":352.295,"sentiment":"neutral","sentiment_score":-0.0011055618524551392},{"text":"And pretty much every day, or how how often do you reckon it's gonna change?","start":352.295,"end":356.315,"sentiment":"neutral","sentiment_score":0.013666469231247902}],"sentiment":"neutral","sentiment_score":0.014775722463791436,"num_words":37,"start":333.0,"end":356.315},{"sentences":[{"text":"Oh, yep.","start":357.175,"end":357.575,"sentiment":"neutral","sentiment_score":0.1311112605035305},{"text":"Cool.","start":357.575,"end":357.895,"sentiment":"positive","sentiment_score":0.34193551540374756},{"text":"Six to seven hours a day, Monday to Friday.","start":357.895,"end":360.38998,"sentiment":"neutral","sentiment_score":0.11365282783905666},{"text":"So I'll I'll work that out after the call and just update your income details for the, like, contributions and projections.","start":360.38998,"end":366.33,"sentiment":"neutral","sentiment_score":0.12894372393687567},{"text":"Outside of that, we've got the car, about $10 resale value, credit card sitting about 6,500 owing on that one.","start":369.75,"end":376.545,"sentiment":"neutral","sentiment_score":0.05894724540412426}],"sentiment":"neutral","sentiment_score":0.10403389807017345,"num_words":53,"start":357.175,"end":376.545},{"sentences":[{"text":"And is there any savings I can note down just as a bit of anything you've built up the last year or so?","start":379.085,"end":383.905,"sentiment":"neutral","sentiment_score":0.11757220246869585},{"text":"Beautiful.","start":390.31,"end":390.81,"sentiment":"positive","sentiment_score":0.6426562070846558},{"text":"The other thing that we mentioned too was just in terms of estate planning.","start":391.66998,"end":395.77,"sentiment":"neutral","sentiment_score":0.03517339378595352},{"text":"I don't believe you have, like, a will or a power of attorney in place.","start":395.99,"end":399.19,"sentiment":"neutral","sentiment_score":-0.0935220628976822},{"text":"You haven't put one of those in place in the last nine months.","start":399.19,"end":402.165,"sentiment":"neutral","sentiment_score":-0.10641074237915185}],"sentiment":"neutral","sentiment_score":0.01595566337081519,"num_words":66,"start":379.085,"end":402.165},{"sentences":[{"text":"Cool.","start":405.20502,"end":405.70502,"sentiment":"neutral","sentiment_score":0.08246292918920517},{"text":"If that's something that you're interested in, I know, obviously, lawyers can charge an arm or a leg.","start":405.765,"end":410.825,"sentiment":"neutral","sentiment_score":0.0012339174540506466},{"text":"There's, like, government approved will kits from the post office that are, like, $25 a pop for a basic will.","start":412.325,"end":417.56,"sentiment":"neutral","sentiment_score":-0.026952466601505874},{"text":"They're not the most amazing, but they're they're kinda helpful to get something in writing.","start":417.56,"end":422.3,"sentiment":"neutral","sentiment_score":0.017678698152303697},{"text":"Cool.","start":425.87997,"end":426.37997,"sentiment":"neutral","sentiment_score":0.13038542866706848}],"sentiment":"neutral","sentiment_score":-0.0007056361402977597,"num_words":55,"start":405.20502,"end":426.37997},{"sentences":[{"text":"Outside of that, so didn't want any quotes for any kind of insurance stuff or just focus on the search at this point?","start":427.31998,"end":433.465,"sentiment":"neutral","sentiment_score":-0.042543338854675705},{"text":"Awesome.","start":436.16498,"end":436.405,"sentiment":"neutral","sentiment_score":0.2733989357948303},{"text":"And I'm assuming just because you're going to start at this job, we're probably not looking at doing any additional contributions to search at this point, just focus on the the savings.","start":436.405,"end":444.95,"sentiment":"neutral","sentiment_score":-0.010869080782867968},{"text":"Awesome.","start":458.975,"end":459.475,"sentiment":"positive","sentiment_score":0.3712235391139984},{"text":"So when that changes, we'll update it.","start":459.535,"end":462.01498,"sentiment":"neutral","sentiment_score":0.134410953947476}],"sentiment":"neutral","sentiment_score":0.004049871466122568,"num_words":64,"start":427.31998,"end":462.01498},{"sentences":[{"text":"For now, I'll just base it on that 33 an hour, six to seven hours a day.","start":462.01498,"end":466.035,"sentiment":"neutral","sentiment_score":0.05912372338421205},{"text":"Beautiful.","start":468.255,"end":468.755,"sentiment":"positive","sentiment_score":0.6229616403579712},{"text":"When it comes to the super...","start":469.215,"end":470.655,"sentiment":"neutral","sentiment_score":0.10849400299290816},{"text":"So you went through a bit of an investment switch with my colleague, Kyle, earlier in the year, if you recall, just to pick up that Bedouin option that was kinda crashing.","start":470.655,"end":479.75,"sentiment":"neutral","sentiment_score":-0.12551223277114332},{"text":"Does that ring a bell?","start":479.75,"end":480.89,"sentiment":"neutral","sentiment_score":-0.16567902266979218}],"sentiment":"neutral","sentiment_score":-0.04206160010128725,"num_words":61,"start":462.01498,"end":480.89},{"sentences":[{"text":"K.","start":484.55,"end":484.87,"sentiment":"neutral","sentiment_score":-0.023382391780614853},{"text":"So what was basically happening was the world's kind of gone on fire a couple of times this year.","start":484.87,"end":490.745,"sentiment":"neutral","sentiment_score":-0.23720418740259974},{"text":"March...","start":491.44498,"end":491.94498,"sentiment":"neutral","sentiment_score":-0.06750952452421188},{"text":"Sorry.","start":492.245,"end":492.645,"sentiment":"neutral","sentiment_score":-0.17391684651374817},{"text":"January to March was the Iran war.","start":492.645,"end":495.065,"sentiment":"neutral","sentiment_score":-0.18136158159800939}],"sentiment":"neutral","sentiment_score":-0.20831791016048398,"num_words":29,"start":484.55,"end":495.065},{"sentences":[{"text":"And then since mid October, we've had the markets dropping again.","start":495.125,"end":500.405,"sentiment":"neutral","sentiment_score":-0.18060113218697635},{"text":"So you've been on board with us for about...","start":500.405,"end":502.87,"sentiment":"neutral","sentiment_score":-0.0709999878373411},{"text":"Just coming on three years, and you've already had three market drops in three years, which is a bit of a record.","start":503.25,"end":508.71,"sentiment":"neutral","sentiment_score":-0.2989548790183934},{"text":"Just goes to show what's currently going on in the world is a bit abnormal, if I must say.","start":510.93,"end":515.525,"sentiment":"negative","sentiment_score":-0.41526112744682714},{"text":"One of the good things that I can tell you is that you're you're still up positive for the year at least 5% after this.","start":520.385,"end":527.685,"sentiment":"neutral","sentiment_score":0.13591638937592507}],"sentiment":"neutral","sentiment_score":-0.15924036476847736,"num_words":86,"start":495.125,"end":527.685},{"sentences":[{"text":"So, like, it's still wrong even with the market going crazy.","start":527.745,"end":530.82,"sentiment":"neutral","sentiment_score":-0.20903718742457303},{"text":"On top of that, I mentioned at the start of the call that kind of growth risk profile, if that rings a bit.","start":533.2,"end":538.82,"sentiment":"neutral","sentiment_score":-0.0859597417647424},{"text":"So when you're in a growth, we pretty much got, like, 80% of your money in growth assets, like shares, property, and gold, that kind of high risk, high return.","start":542.88,"end":554.485,"sentiment":"neutral","sentiment_score":0.060599543278416},{"text":"20 percent is the safest side of things.","start":554.785,"end":557.045,"sentiment":"neutral","sentiment_score":0.11460999771952629},{"text":"So you're kind of aiming for, like, an average return of, say, 9% after fees would be pretty much a benchmark for you to make sure you're on track.","start":558.625,"end":569.68,"sentiment":"neutral","sentiment_score":0.1697444186128419}],"sentiment":"neutral","sentiment_score":0.03347496334278938,"num_words":101,"start":527.745,"end":569.68},{"sentences":[{"text":"You've managed to clear.","start":571.98,"end":573.52,"sentiment":"neutral","sentiment_score":0.11584664322435856},{"text":"I'm just having a look at it now since you came on board about two point eight years.","start":573.875,"end":577.495,"sentiment":"neutral","sentiment_score":0.08488130941987038},{"text":"You managed to clear a little bit over 10% after fees as well, but still tracking pretty well despite everything going on.","start":577.875,"end":583.735,"sentiment":"positive","sentiment_score":0.41948823766274884},{"text":"The only thing I'll keep an eye on is when you see that review pack, what you'll see inside the performance report.","start":587.235,"end":593.55005,"sentiment":"neutral","sentiment_score":0.03721311104229905},{"text":"So you had that option that was going down.","start":593.69,"end":596.01,"sentiment":"neutral","sentiment_score":0.004398941372831662}],"sentiment":"neutral","sentiment_score":0.16104360381762187,"num_words":75,"start":571.98,"end":596.01},{"sentences":[{"text":"That one got sold down to zero, and then we switched it out for a lower fee option.","start":596.01,"end":602.03,"sentiment":"neutral","sentiment_score":-0.008116545776526133},{"text":"That's about for a fifth of the cost and much better performance as well.","start":602.41003,"end":607.955,"sentiment":"neutral","sentiment_score":0.11316877284220286},{"text":"Kind of...","start":607.955,"end":608.59503,"sentiment":"neutral","sentiment_score":0.00642763264477253},{"text":"When the the Australian stock market goes up and down, it kind of hugs it pretty closely, whereas that other option that you had before, it was kind of shooting down a lot faster.","start":608.59503,"end":617.415,"sentiment":"neutral","sentiment_score":-0.1024443492950762},{"text":"The two things I'll keep an eye on is you've got some really fun investments in there.","start":621.17004,"end":624.53,"sentiment":"positive","sentiment_score":0.45465130841030793}],"sentiment":"neutral","sentiment_score":0.0670245250358301,"num_words":85,"start":596.01,"end":624.53},{"sentences":[{"text":"You've got some gold that's been doing good.","start":624.53,"end":626.47003,"sentiment":"positive","sentiment_score":0.4980051815509796},{"text":"You've got some...","start":627.17004,"end":628.31,"sentiment":"neutral","sentiment_score":0.038786559055248894},{"text":"They call it battery tech and lithium that kinda links into electric vehicles and that kind of thing.","start":628.77,"end":633.405,"sentiment":"neutral","sentiment_score":0.04067118683209022},{"text":"That one's shooting up 19%.","start":636.84503,"end":638.945,"sentiment":"neutral","sentiment_score":-0.011125622130930424},{"text":"Cybersecurity up 25%.","start":640.92505,"end":643.16504,"sentiment":"neutral","sentiment_score":0.10034508258104324}],"sentiment":"neutral","sentiment_score":0.13724026026053204,"num_words":37,"start":624.53,"end":643.16504},{"sentences":[{"text":"That's pretty good.","start":643.16504,"end":643.885,"sentiment":"neutral","sentiment_score":0.311701238155365},{"text":"Obviously, the AI stuff, there's a lot of lot of AI cybersecurity companies that are doing pretty well.","start":643.885,"end":648.9,"sentiment":"neutral","sentiment_score":0.08659481153719956},{"text":"So the only tool I'll keep an eye on is you've got a property option.","start":652.66003,"end":656.74005,"sentiment":"neutral","sentiment_score":0.016733256417016187},{"text":"And, obviously, I don't know if you heard the the legislation changes that they brought in about the capital gains tax, the negative gearing.","start":656.74005,"end":663.855,"sentiment":"neutral","sentiment_score":-0.08649987385918696},{"text":"Yeah.","start":668.57495,"end":668.89496,"sentiment":"neutral","sentiment_score":-0.12527136504650116}],"sentiment":"neutral","sentiment_score":0.008910505421703956,"num_words":61,"start":643.16504,"end":668.89496},{"sentences":[{"text":"So that one's dropped a little bit.","start":668.89496,"end":670.675,"sentiment":"neutral","sentiment_score":-0.18835354489939554},{"text":"No.","start":671.295,"end":671.795,"sentiment":"neutral","sentiment_score":-0.09461719542741776},{"text":"I'll keep an eye on that one because what we're thinking is, obviously, everyone's a bit...","start":674.65497,"end":679.25,"sentiment":"neutral","sentiment_score":-0.050378843559883535},{"text":"They call it fear and greed in the market.","start":679.25,"end":681.01,"sentiment":"neutral","sentiment_score":-0.23152872257762486},{"text":"At the moment, everyone's in fear mode after that, and I was buying and selling property or not buying, really.","start":681.01,"end":686.55,"sentiment":"neutral","sentiment_score":-0.12836452703922988}],"sentiment":"neutral","sentiment_score":-0.12962646322008572,"num_words":53,"start":668.89496,"end":686.55},{"sentences":[{"text":"We reckon that it could bounce back in the New Year, so I'll keep an eye on that one.","start":688.29,"end":692.77496,"sentiment":"neutral","sentiment_score":0.1222039214090297},{"text":"If it still hasn't picked up after, say, January, February, I might have to switch it out for a different asset class.","start":692.77496,"end":699.75494,"sentiment":"neutral","sentiment_score":-0.07785916480828416},{"text":"Cool.","start":703.65497,"end":704.01,"sentiment":"neutral","sentiment_score":-0.12275192886590958},{"text":"No.","start":713.77,"end":714.27,"sentiment":"neutral","sentiment_score":-0.12674042582511902},{"text":"So what I might do...","start":714.33,"end":715.53,"sentiment":"neutral","sentiment_score":-0.07980712354183198}],"sentiment":"neutral","sentiment_score":-0.0008240644043932358,"num_words":48,"start":688.29,"end":715.53},{"sentences":[{"text":"There's another one there.","start":715.53,"end":716.49,"sentiment":"neutral","sentiment_score":-0.04498033691197634},{"text":"The government's changing a few kind of term deposits and bonds.","start":716.49,"end":720.21497,"sentiment":"neutral","sentiment_score":-0.04750903628089211},{"text":"There's one in particular that's kind of being phased out the next couple of years, but you've gotten some good returns out of it.","start":720.83496,"end":726.51495,"sentiment":"neutral","sentiment_score":0.024215583379069965},{"text":"Some pretty good, you know, 4% growth for the safe side.","start":726.51495,"end":729.93,"sentiment":"positive","sentiment_score":0.4173626642335545},{"text":"So what I'll do, if you're comfortable, I can punch in for a bit of a catch up in February, and we can see what it's looking like, and I might be able to tweak a couple of those options around about then.","start":729.93,"end":743.295,"sentiment":"neutral","sentiment_score":0.1315837248640005}],"sentiment":"neutral","sentiment_score":0.10890045946323744,"num_words":93,"start":715.53,"end":743.295},{"sentences":[{"text":"Cool.","start":746.975,"end":747.475,"sentiment":"positive","sentiment_score":0.4459341764450073},{"text":"Now that kind of lines up pretty well to be...","start":747.935,"end":750.65497,"sentiment":"neutral","sentiment_score":0.17519976198673248},{"text":"We we call them, like, quarterly, six monthly catch up or annual review.","start":750.65497,"end":755.075,"sentiment":"neutral","sentiment_score":0.05758086878519792},{"text":"I'm gonna put in for a six month catch up before the next review around this time next year.","start":756.6,"end":761.9,"sentiment":"neutral","sentiment_score":0.04198001560411955},{"text":"Is there anything else you want me to kind of focus on before Christmas, after Christmas, anything in particular?","start":763.0,"end":768.3,"sentiment":"neutral","sentiment_score":0.0009471378044078225}],"sentiment":"neutral","sentiment_score":0.0606790162142246,"num_words":62,"start":746.975,"end":768.3},{"sentences":[{"text":"Cool.","start":772.695,"end":773.195,"sentiment":"neutral","sentiment_score":0.1640664041042328},{"text":"So if you're okay with that, with the the review pack I've sent out there, we're just wondering if you're still comfortable, obviously, to remain a client of ours and kind of refresh that twelve month consent for Hub 24.","start":773.335,"end":788.84,"sentiment":"neutral","sentiment_score":0.06418788796290756},{"text":"Yep.","start":796.10004,"end":796.395,"sentiment":"neutral","sentiment_score":0.06458134949207306},{"text":"Now bear in mind, it's not like a lock in contract.","start":796.47504,"end":798.635,"sentiment":"neutral","sentiment_score":0.0011003499596633694},{"text":"It's basically just a consent as well.","start":798.635,"end":801.29504,"sentiment":"neutral","sentiment_score":0.028836286892848357}],"sentiment":"neutral","sentiment_score":0.05016868549864739,"num_words":60,"start":772.695,"end":801.29504},{"sentences":[{"text":"We still charge that kind of 1.65%, but it splits over the twelve months.","start":802.635,"end":807.615,"sentiment":"neutral","sentiment_score":0.006945566274225712},{"text":"The other thing too is that we've got a new structure in place in that service guide.","start":808.075,"end":813.6,"sentiment":"neutral","sentiment_score":0.08478343684007139},{"text":"When we get you above 200,000, there's some discounts that we've started adding to clients as well just to kind of help boost things up.","start":813.74,"end":821.89996,"sentiment":"neutral","sentiment_score":0.1799195635318756},{"text":"So once we get you above 200,000, those extra tiers will apply.","start":821.89996,"end":826.32,"sentiment":"neutral","sentiment_score":0.07746354676783085},{"text":"New discounts there down the line in a year or two time.","start":827.695,"end":830.515,"sentiment":"neutral","sentiment_score":0.05116896331310272}],"sentiment":"neutral","sentiment_score":0.09475169454235584,"num_words":80,"start":802.635,"end":830.515},{"sentences":[{"text":"Cool.","start":834.97504,"end":835.47504,"sentiment":"neutral","sentiment_score":0.061585187911987305},{"text":"Alrighty.","start":838.015,"end":838.495,"sentiment":"neutral","sentiment_score":0.07547452300786972},{"text":"Now outside of that, so one thing I did wanna mention is because retirement is...","start":838.495,"end":843.77,"sentiment":"neutral","sentiment_score":0.014353262664129337},{"text":"Let's have a little look here.","start":843.83,"end":845.45,"sentiment":"neutral","sentiment_score":0.013013044993082682},{"text":"At age 67, you got the age pension.","start":846.71,"end":848.89,"sentiment":"neutral","sentiment_score":0.010015337960794568}],"sentiment":"neutral","sentiment_score":0.016469665307311282,"num_words":31,"start":834.97504,"end":848.89},{"sentences":[{"text":"Growth risk profile, you wanna have at least eight to nine years to kind of get those returns with all the market drops that happen.","start":850.23,"end":858.575,"sentiment":"neutral","sentiment_score":0.014004658684134483},{"text":"And I reckon in about two or three years' time, once we got some good growth out of it, we probably need to slowly start reducing your risk level down as you approach the 60 kind of thing.","start":858.955,"end":869.52,"sentiment":"neutral","sentiment_score":0.008257658269844557},{"text":"Yeah.","start":873.36005,"end":873.60004,"sentiment":"neutral","sentiment_score":0.08446185290813446},{"text":"So, basically, instead of sitting at 80% growth assets in a couple of years' time, if we get some good years in the market, we'll drop you down to 70% and then sixty, fifty, 40, and that's kind of like a nice state pension account to to sit on in retirement.","start":873.60004,"end":888.105,"sentiment":"neutral","sentiment_score":0.053073339858183674},{"text":"Sound alright?","start":891.285,"end":892.105,"sentiment":"neutral","sentiment_score":0.11558186635375023}],"sentiment":"neutral","sentiment_score":0.03150661025419194,"num_words":117,"start":850.23,"end":892.105},{"sentences":[{"text":"Beautiful.","start":895.445,"end":895.945,"sentiment":"positive","sentiment_score":0.5787269473075867},{"text":"So I will leave that pack with you when you do have time to read through it.","start":896.005,"end":900.39,"sentiment":"neutral","sentiment_score":0.2206396898802589},{"text":"If you're comfortable with it, give us a sign and and flick it back, and we'll attach it to the hub account just so that we can make transactions on your behalf.","start":900.39,"end":907.93,"sentiment":"neutral","sentiment_score":0.1963450328912586},{"text":"Outside of that, I've updated the income and the occupation.","start":908.87,"end":913.205,"sentiment":"neutral","sentiment_score":0.09044358693063259},{"text":"And then we will catch up with you around February time and see if the old property market picked up then.","start":916.945,"end":923.04,"sentiment":"neutral","sentiment_score":0.06961144152141753}],"sentiment":"neutral","sentiment_score":0.16023356628454763,"num_words":81,"start":895.445,"end":923.04},{"sentences":[{"text":"Awesome.","start":926.32,"end":926.8,"sentiment":"positive","sentiment_score":0.366502046585083},{"text":"Andrew, any questions for me before I let you go, sir?","start":926.8,"end":929.45996,"sentiment":"neutral","sentiment_score":0.17039072919975629},{"text":"Awesome, mate.","start":933.12,"end":933.68,"sentiment":"positive","sentiment_score":0.655846357345581},{"text":"Best of luck with the new job.","start":933.68,"end":934.95996,"sentiment":"positive","sentiment_score":0.6460868205342974},{"text":"Hopefully, you get that nice new permanent one again soon.","start":934.95996,"end":937.68,"sentiment":"positive","sentiment_score":0.6821826994419098}],"sentiment":"positive","sentiment_score":0.4805460490526692,"num_words":31,"start":926.32,"end":937.68},{"sentences":[{"text":"And if anything pops up, just give us a buzz.","start":937.68,"end":942.165,"sentiment":"positive","sentiment_score":0.33854771554470064},{"text":"Oh, awesome, mate.","start":945.58496,"end":946.225,"sentiment":"positive","sentiment_score":0.8044338226318359},{"text":"See you later.","start":946.225,"end":946.785,"sentiment":"positive","sentiment_score":0.7349245548248291},{"text":"Thank you so much.","start":946.785,"end":947.745,"sentiment":"positive","sentiment_score":0.8258593529462814},{"text":"Bye.","start":947.745,"end":948.245,"sentiment":"positive","sentiment_score":0.4458865523338318}],"sentiment":"positive","sentiment_score":0.5596607739017123,"num_words":21,"start":937.68,"end":948.245}]}}]},{"alternatives":[{"transcript":"Hello? Yep. Yeah, mate. Yeah. For sure. Yeah. I can look at them, but... Yeah. It'll... Yeah. I might be able to look at them while we're talking, so it's a bit tricky for me. Yes. Yep. Yep. No worries. Yep. Yeah. Date date of birth, 02/07/1970, and I'm at Flat 25 Kenilworth Street, Shafterby. Yep. Oh, yes. Yes. Yes. Well, yes. Yeah. Sort of like a a funeral sort of thing. You know, if I pass away, have I got sort of funeral cover and all that sort of luck? Yep. Yep. Yep. Yep. Hey, man. That's fine. Yep. Okay. So he... He'll get it now. Yeah. Can he... He can store that from there, I suppose. Yeah. Yeah. Yeah. I'll leave it there. That... He he can... No. I'll let him know where he is. He can do whatever he wants to do with it. Yeah. Yep. Yep. Okay. Oh, cool. Yeah. Yeah. 94. Thank you. Yep. Yep. Yep. Yeah. No. Yeah. That's changed. No. No. No. No. No. It's it's sort of something like that. It's... Yeah. I'm just basically that... It's called Mavis Lawn Care now, and I'm... Yeah. Just basically mowing the yard. Yeah. It's... No. Yeah. That's just private at the moment because you're on... Yeah. In between jobs, so to speak. I already got that, and I'm passing on to him. Yeah. Lavish Lavish Lawn Care. Yeah. Correct. Yeah. I'm I'm only about $33 now. That buck a little. Casual. Yeah. It's normally about six hours a day or something like that. And six to seven hours a day. Monday Monday to Friday. Yep. Yep. Yep. That one. No. Everything's pretty much the same. Everything's good. No. I haven't. Yep. Okay. Yeah. Yeah. Well, yeah, I'll do that. Nah. That'd be fine. Yeah. Exactly. Exactly. I'm juggling trying to... I've been talking to a few other people about getting other jobs in permanent places and... Yes. And this is just a temporary sort of fix. Yeah. Exactly. Yeah. I think so. Yeah. I get that. Yeah. Everything's crashed. Yeah. Yep. Yeah. Yep. Yep. That's good. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yep. Yep. No. That sounds fair. That's good. Yeah. Yeah. Yep. Yep. Yes. Yep. Yep. Yeah. It's hard to say that. Okay. Yes. That is not real. Yeah. Yeah. I think it's not really good on that. Not the best. Yeah. Most definitely have. Yeah. Yeah. Yeah. That sounds better. Yeah. I get all a bit iffy on that anyway with the property, but people still have to actually buy it. But, you know, I mean, it's sort of not a real high investment at the moment. Yeah. Yep. Yep. Yep. Yeah. It sounds good. Yep. Yep. Yeah. Can I take it right away? Thank you. Yep. Yep. Yeah. You're okay. We... Yeah. We got young on twelve months yet for sure. Okay. Yep. Yep. Yep. Okay. Now we'll work on that then later on. Yep. Yep. Yeah. That sounds good. Yep. Yep. Yeah. Exactly. Yep. Yep. Yep. That's good. Thank you. Yes. No worries. That's fine. Thank you. Hi. Hi. Thank you. Thank you. Cheers, mate. 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Yep. Yeah, mate. Yeah. For sure.\n\nYeah. I can look at them, but... Yeah. It'll... Yeah.\n\nI might be able to look at them while we're talking, so it's a bit tricky for me. Yes. Yep. Yep. No worries.\n\nYep. Yeah. Date date of birth, 02/07/1970, and I'm at Flat 25 Kenilworth Street, Shafterby. Yep. Oh, yes.\n\nYes. Yes. Well, yes. Yeah. Sort of like a a funeral sort of thing.\n\nYou know, if I pass away, have I got sort of funeral cover and all that sort of luck? Yep. Yep. Yep. Yep.\n\nHey, man. That's fine. Yep. Okay. So he...\n\nHe'll get it now. Yeah. Can he... He can store that from there, I suppose. Yeah.\n\nYeah. Yeah. I'll leave it there. That... He he can...\n\nNo. I'll let him know where he is. He can do whatever he wants to do with it. Yeah. Yep.\n\nYep. Okay. Oh, cool. Yeah. Yeah.\n\n94. Thank you. Yep. Yep. Yep.\n\nYeah. No. Yeah. That's changed. No.\n\nNo. No. No. No. It's it's sort of something like that.\n\nIt's... Yeah. I'm just basically that... It's called Mavis Lawn Care now, and I'm... Yeah.\n\nJust basically mowing the yard. Yeah. It's... No. Yeah.\n\nThat's just private at the moment because you're on... Yeah. In between jobs, so to speak. I already got that, and I'm passing on to him. Yeah.\n\nLavish Lavish Lawn Care. Yeah. Correct. Yeah. I'm I'm only about $33 now.\n\nThat buck a little. Casual. Yeah. It's normally about six hours a day or something like that. And six to seven hours a day.\n\nMonday Monday to Friday. Yep. Yep. Yep. That one.\n\nNo. Everything's pretty much the same. Everything's good. No. I haven't.\n\nYep. Okay. Yeah. Yeah. Well, yeah, I'll do that.\n\nNah. That'd be fine. Yeah. Exactly. Exactly.\n\nI'm juggling trying to... I've been talking to a few other people about getting other jobs in permanent places and... Yes. And this is just a temporary sort of fix. Yeah.\n\nExactly. Yeah. I think so. Yeah. I get that.\n\nYeah. Everything's crashed. Yeah. Yep. Yeah.\n\nYep. Yep. That's good. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nYep. Yep. No. That sounds fair. That's good.\n\nYeah. Yeah. Yep. Yep. Yes.\n\nYep. Yep. Yeah. It's hard to say that. Okay.\n\nYes. That is not real. Yeah. Yeah. I think it's not really good on that.\n\nNot the best. Yeah. Most definitely have. Yeah. Yeah.\n\nYeah. That sounds better. Yeah. I get all a bit iffy on that anyway with the property, but people still have to actually buy it. But, you know, I mean, it's sort of not a real high investment at the moment.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nIt sounds good. Yep. Yep. Yeah. Can I take it right away?\n\nThank you. Yep. Yep. Yeah. You're okay.\n\nWe... Yeah. We got young on twelve months yet for sure. Okay. Yep.\n\nYep. Yep. Okay. Now we'll work on that then later on. Yep.\n\nYep. Yeah. That sounds good. Yep. Yep.\n\nYeah. Exactly. Yep. Yep. Yep.\n\nThat's good. Thank you. Yes. No worries. That's fine.\n\nThank you. Hi. Hi. Thank you. Thank you.\n\nCheers, mate. 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good.","start":532.16,"end":539.06,"sentiment":"neutral","sentiment_score":0.018870308995246887},{"text":"Yeah.","start":539.75995,"end":540.07996,"sentiment":"neutral","sentiment_score":0.03638150170445442},{"text":"Yeah.","start":540.07996,"end":540.31995,"sentiment":"neutral","sentiment_score":0.04534914717078209}],"sentiment":"neutral","sentiment_score":-0.03796452532211939,"num_words":6,"start":529.44495,"end":540.31995},{"sentences":[{"text":"Yeah.","start":540.31995,"end":540.81995,"sentiment":"neutral","sentiment_score":0.044800661504268646},{"text":"Yeah.","start":550.355,"end":550.855,"sentiment":"neutral","sentiment_score":0.0449669174849987},{"text":"Yep.","start":552.595,"end":553.095,"sentiment":"neutral","sentiment_score":0.02792414091527462},{"text":"Yep.","start":555.075,"end":555.575,"sentiment":"neutral","sentiment_score":0.08612531423568726},{"text":"Yeah.","start":557.795,"end":558.21,"sentiment":"neutral","sentiment_score":0.08782882988452911}],"sentiment":"neutral","sentiment_score":0.058329172804951666,"num_words":5,"start":540.31995,"end":558.21},{"sentences":[{"text":"Yep.","start":568.37,"end":568.87,"sentiment":"neutral","sentiment_score":0.17172512412071228},{"text":"Yep.","start":570.21,"end":570.61005,"sentiment":"neutral","sentiment_score":0.0649586021900177},{"text":"No.","start":570.61005,"end":570.77,"sentiment":"neutral","sentiment_score":0.01592593640089035},{"text":"That sounds fair.","start":570.77,"end":571.75,"sentiment":"neutral","sentiment_score":0.09596784909566243},{"text":"That's 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hard to say that.","start":636.355,"end":637.875,"sentiment":"neutral","sentiment_score":-0.03854036293923855},{"text":"Okay.","start":637.875,"end":638.375,"sentiment":"neutral","sentiment_score":0.035840004682540894}],"sentiment":"neutral","sentiment_score":0.012313267216086388,"num_words":9,"start":618.83997,"end":638.375},{"sentences":[{"text":"Yes.","start":649.31,"end":649.81,"sentiment":"neutral","sentiment_score":0.03566813841462135},{"text":"That is not real.","start":659.545,"end":664.425,"sentiment":"neutral","sentiment_score":-0.07965313084423542},{"text":"Yeah.","start":664.425,"end":664.925,"sentiment":"neutral","sentiment_score":-0.08113143593072891},{"text":"Yeah.","start":664.985,"end":665.305,"sentiment":"neutral","sentiment_score":-0.11794885993003844},{"text":"I think it's not really good on that.","start":665.305,"end":667.085,"sentiment":"neutral","sentiment_score":-0.28419259935617447}],"sentiment":"neutral","sentiment_score":-0.18370436504483223,"num_words":15,"start":649.31,"end":667.085},{"sentences":[{"text":"Not the best.","start":668.825,"end":669.72504,"sentiment":"neutral","sentiment_score":-0.2095752110083898},{"text":"Yeah.","start":670.745,"end":671.145,"sentiment":"neutral","sentiment_score":-0.04764346778392792},{"text":"Most definitely have.","start":671.145,"end":672.105,"sentiment":"neutral","sentiment_score":-0.06059536337852478},{"text":"Yeah.","start":672.105,"end":672.605,"sentiment":"neutral","sentiment_score":-0.04180382564663887},{"text":"Yeah.","start":685.92,"end":686.42,"sentiment":"neutral","sentiment_score":0.00790729932487011}],"sentiment":"neutral","sentiment_score":-0.09911685747404893,"num_words":9,"start":668.825,"end":686.42},{"sentences":[{"text":"Yeah.","start":697.055,"end":697.555,"sentiment":"neutral","sentiment_score":-0.058486856520175934},{"text":"That sounds better.","start":700.015,"end":701.055,"sentiment":"neutral","sentiment_score":0.005694118017951648},{"text":"Yeah.","start":701.055,"end":701.555,"sentiment":"neutral","sentiment_score":-0.05624822527170181},{"text":"I get all a bit iffy on that anyway with the property, but people still have to actually buy it.","start":701.58,"end":707.18,"sentiment":"neutral","sentiment_score":-0.14867380447685719},{"text":"But, you know, I mean, it's sort of not a real high investment at the moment.","start":707.18,"end":712.0,"sentiment":"neutral","sentiment_score":-0.2824788149446249}],"sentiment":"neutral","sentiment_score":-0.18514121600949182,"num_words":41,"start":697.055,"end":712.0},{"sentences":[{"text":"Yeah.","start":713.58,"end":714.08,"sentiment":"neutral","sentiment_score":-0.08085896074771881},{"text":"Yep.","start":726.09503,"end":726.59503,"sentiment":"neutral","sentiment_score":0.1744239181280136},{"text":"Yep.","start":726.735,"end":727.235,"sentiment":"positive","sentiment_score":0.33890947699546814},{"text":"Yep.","start":732.98,"end":733.48,"sentiment":"neutral","sentiment_score":0.18972253799438477},{"text":"Yeah.","start":743.94,"end":744.1,"sentiment":"neutral","sentiment_score":0.28902366757392883}],"sentiment":"neutral","sentiment_score":0.1822441279888153,"num_words":5,"start":713.58,"end":744.1},{"sentences":[{"text":"It sounds good.","start":744.1,"end":745.16,"sentiment":"positive","sentiment_score":0.5006785690784454},{"text":"Yep.","start":747.805,"end":748.305,"sentiment":"neutral","sentiment_score":0.24235579371452332},{"text":"Yep.","start":755.40497,"end":755.90497,"sentiment":"neutral","sentiment_score":0.05024297535419464},{"text":"Yeah.","start":760.86,"end":761.36,"sentiment":"neutral","sentiment_score":0.013026483356952667},{"text":"Can I take it right away?","start":769.26,"end":770.22003,"sentiment":"neutral","sentiment_score":-0.14772535177568594}],"sentiment":"neutral","sentiment_score":0.07677573741724093,"num_words":12,"start":744.1,"end":770.22003},{"sentences":[{"text":"Thank you.","start":770.22003,"end":770.96,"sentiment":"neutral","sentiment_score":0.24351657927036285},{"text":"Yep.","start":780.43506,"end":780.59503,"sentiment":"neutral","sentiment_score":0.06711085885763168},{"text":"Yep.","start":780.59503,"end":781.09503,"sentiment":"neutral","sentiment_score":0.04328295588493347},{"text":"Yeah.","start":790.18,"end":790.5,"sentiment":"neutral","sentiment_score":0.04676152393221855},{"text":"You're okay.","start":790.5,"end":791.32,"sentiment":"neutral","sentiment_score":0.04301272891461849}],"sentiment":"neutral","sentiment_score":0.10431627929210663,"num_words":7,"start":770.22003,"end":791.32},{"sentences":[{"text":"We...","start":791.38,"end":791.88,"sentiment":"neutral","sentiment_score":0.017313992604613304},{"text":"Yeah.","start":792.02,"end":792.26,"sentiment":"neutral","sentiment_score":0.0193021297454834},{"text":"We got young on twelve months yet for sure.","start":792.26,"end":794.44,"sentiment":"neutral","sentiment_score":0.0162480641156435},{"text":"Okay.","start":801.54,"end":802.04,"sentiment":"neutral","sentiment_score":0.021413680166006088},{"text":"Yep.","start":812.425,"end":812.925,"sentiment":"neutral","sentiment_score":0.07071566581726074}],"sentiment":"neutral","sentiment_score":0.021152157336473465,"num_words":13,"start":791.38,"end":812.925},{"sentences":[{"text":"Yep.","start":831.10504,"end":831.505,"sentiment":"neutral","sentiment_score":0.07323446869850159},{"text":"Yep.","start":831.505,"end":832.005,"sentiment":"neutral","sentiment_score":0.07374407351016998},{"text":"Okay.","start":833.265,"end":833.765,"sentiment":"neutral","sentiment_score":0.08986698091030121},{"text":"Now we'll work on that then later on.","start":833.825,"end":835.765,"sentiment":"neutral","sentiment_score":0.06806261371821165},{"text":"Yep.","start":850.26,"end":850.76,"sentiment":"neutral","sentiment_score":0.011977752670645714}],"sentiment":"neutral","sentiment_score":0.06611034879460931,"num_words":12,"start":831.10504,"end":850.76},{"sentences":[{"text":"Yep.","start":859.065,"end":859.565,"sentiment":"neutral","sentiment_score":0.00734730064868927},{"text":"Yeah.","start":867.545,"end":868.045,"sentiment":"neutral","sentiment_score":0.012194329872727394},{"text":"That sounds good.","start":870.105,"end":870.985,"sentiment":"positive","sentiment_score":0.3593410750230153},{"text":"Yep.","start":870.985,"end":871.47,"sentiment":"neutral","sentiment_score":0.10732948780059814},{"text":"Yep.","start":883.55,"end":884.02997,"sentiment":"neutral","sentiment_score":0.0377362072467804}],"sentiment":"neutral","sentiment_score":0.17751865009112017,"num_words":7,"start":859.065,"end":884.02997},{"sentences":[{"text":"Yeah.","start":884.02997,"end":884.505,"sentiment":"neutral","sentiment_score":0.051373422145843506},{"text":"Exactly.","start":888.505,"end":889.005,"sentiment":"neutral","sentiment_score":0.13110440969467163},{"text":"Yep.","start":889.545,"end":890.045,"sentiment":"neutral","sentiment_score":0.10931819677352904},{"text":"Yep.","start":892.34503,"end":892.665,"sentiment":"neutral","sentiment_score":0.1132250279188156},{"text":"Yep.","start":892.665,"end":892.905,"sentiment":"neutral","sentiment_score":0.18026456236839297}],"sentiment":"neutral","sentiment_score":0.11705712378025054,"num_words":5,"start":884.02997,"end":892.905},{"sentences":[{"text":"That's good.","start":892.905,"end":893.645,"sentiment":"positive","sentiment_score":0.4811948537826538},{"text":"Thank you.","start":908.67004,"end":909.33,"sentiment":"positive","sentiment_score":0.38275468349456787},{"text":"Yes.","start":912.885,"end":913.385,"sentiment":"neutral","sentiment_score":0.11644165962934494},{"text":"No worries.","start":923.765,"end":924.585,"sentiment":"neutral","sentiment_score":0.17934466898441315},{"text":"That's fine.","start":930.06,"end":930.7,"sentiment":"neutral","sentiment_score":0.29332101345062256}],"sentiment":"neutral","sentiment_score":0.30996356656153995,"num_words":9,"start":892.905,"end":930.7},{"sentences":[{"text":"Thank you.","start":930.7,"end":931.44,"sentiment":"positive","sentiment_score":0.5304864346981049},{"text":"Hi.","start":938.06,"end":938.14,"sentiment":"positive","sentiment_score":0.41809529066085815},{"text":"Hi.","start":938.14,"end":938.38,"sentiment":"positive","sentiment_score":0.4990700483322144},{"text":"Thank you.","start":938.38,"end":939.12,"sentiment":"positive","sentiment_score":0.6551112532615662},{"text":"Thank you.","start":943.04504,"end":943.78503,"sentiment":"positive","sentiment_score":0.7015736103057861}],"sentiment":"positive","sentiment_score":0.5864384919404984,"num_words":8,"start":930.7,"end":943.78503},{"sentences":[{"text":"Cheers, mate.","start":947.445,"end":948.42505,"sentiment":"positive","sentiment_score":0.4314982518553734},{"text":"Bye.","start":948.565,"end":949.065,"sentiment":"neutral","sentiment_score":-0.10097786784172058}],"sentiment":"neutral","sentiment_score":0.25400621195634204,"num_words":3,"start":947.445,"end":949.065}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Andrew. It's Tommy here, senior adviser from. How are you doing? Hi. Good to hear.\n\nGood to hear. I've got you booked in for a bit of a super review, a bit of a catch up on a few things here. I'm just\n\nChannel 1: Yep.\n\nChannel 0: wondering if you still got time.\n\nChannel 1: Yeah, mate. Yeah. For sure.\n\nChannel 0: Perfect. Now I've got a bit of an updated review pack to send through to you. Will you have access to your email today to look onto it, or should I just kinda walk you through what's coming by?\n\nChannel 1: Yeah. I can look at them, but... Yeah. It'll... Yeah.\n\nI might be able to look at them while we're talking, so it's a bit tricky for me.\n\nChannel 0: That's alright. I'll send it through just so you've got it, and then I can kinda\n\nChannel 1: Yes.\n\nChannel 0: chat you through the details and answer any questions you've got.\n\nChannel 1: Yep. Yep. No worries.\n\nChannel 0: Beautiful. Now just for the usual security process, so I'm registered with Aptive as adviser 1273105.\n\nChannel 1: Yep.\n\nChannel 0: Could I please just confirm your date of birth and address that we would have on file?\n\nChannel 1: Yeah. Date date of birth, 02/07/1970,\n\nChannel 0: Yeah.\n\nChannel 1: and I'm at Flat 25 Kenilworth Street, Shafterby.\n\nChannel 0: Sensational. And do you want to pay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So just to let you know a little bit about what's coming through, we've got just an updated summary of how the food is going and some new kind of service guides from Oakview just with all our updated licensing information, privacy policy, and that kind of thing.\n\nChannel 1: Oh, yes. Yes. Yes.\n\nChannel 0: Cool. Now outside of that, is there anything in particular you are hoping to get out of today's call?\n\nChannel 1: Well, yes. Yeah. Sort of like a a funeral sort of thing. You know, if I pass away, have I got sort of funeral cover and all that sort of luck?\n\nChannel 0: Right. Right. Right. Okay. So that kind of leads into two different aspects.\n\nYou've\n\nChannel 1: Yep.\n\nChannel 0: got the estate planning side of things, and then you've got things like, you know, funeral insurance, life insurance, and so on that we can talk about. I'll quickly check your account here on Hub. Just let me\n\nChannel 1: Yep.\n\nChannel 0: look. We've\n\nChannel 1: Yep.\n\nChannel 0: got... Just for the super side of things, so that is listed for Alex's\n\nChannel 1: Yep.\n\nChannel 0: child to receive the super. Does that still sound correct for you?\n\nChannel 1: Hey, man. That's fine.\n\nChannel 0: Beautiful. Now we don't have any kind of life insurance or anything in place that I can\n\nChannel 1: Yep.\n\nChannel 0: see. It's just the super at this point.\n\nChannel 1: Okay. So he... He'll get it now. Yeah. Can he...\n\nHe can store that from there, I suppose. Yeah.\n\nChannel 0: Pretty much. Pretty much.\n\nChannel 1: Yeah. Yeah. I'll leave it there. That... He he can...\n\nNo. I'll let him know where he is. He can do whatever he wants to do with it. Yeah.\n\nChannel 0: Cool. Now outside of that, just in terms of looking at the goals and everything, obviously, we're trying to grow the super towards possibly, like, age 67 where we try and get as much super as we can.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, you need to protect it at some point. You don't wanna be sitting there at age 66, sitting in a growth portfolio where you might lose it just before you retire, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So on about 500 a week. And, obviously, age pension will kick in at that age as well. So you'll get a bit of a double pension, one from\n\nChannel 1: Okay.\n\nChannel 0: the super, one from the government.\n\nChannel 1: Oh, cool.\n\nChannel 0: Cool. Outside of that, main focus is that I can see was basically just paying down the credit card, building up your savings. Is that kind of still your main focus for the for the next twelve\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: months? Beautiful. Anything else that you're focusing on the next few years? Any goals you want me to add in?\n\nChannel 1: 94. Thank you.\n\nChannel 0: Cool. Now I'm having a look at the details that Michelle had captured from you. So\n\nChannel 1: Yep.\n\nChannel 0: we've got your your next of kin for us or emergency contact is\n\nChannel 1: Yep.\n\nChannel 0: listed as Rhonda. Is that still correct?\n\nChannel 1: Yep.\n\nChannel 0: So we've got you as a grave digger for the council, I believe, on about 66,535 an hour.\n\nChannel 1: Yeah. No. Yeah. That's changed.\n\nChannel 0: Or is it the parts and garden type work I\n\nChannel 1: No. No. No. No. No.\n\nIt's it's sort of something like that. It's... Yeah. I'm just basically\n\nChannel 0: can see?\n\nChannel 1: that... It's called Mavis Lawn Care now, and I'm... Yeah. Just basically mowing the yard. Yeah.\n\nIt's...\n\nChannel 0: Cool. And that's not linked in with the council at all? Is it private?\n\nChannel 1: No. Yeah. That's just private at the moment because you're on... Yeah. In between jobs, so to speak.\n\nChannel 0: Oh, cool. And did you need... Was it like a a contribution form to give to the employer, or have we already given you that?\n\nChannel 1: I already got that, and I'm passing on to him.\n\nChannel 0: Beautiful. And can I just double check with you, sorry, the the name of the company you said it was?\n\nChannel 1: Yeah. Lavish Lavish\n\nChannel 0: Yeah. Lavish.\n\nChannel 1: Lawn Care.\n\nChannel 0: Yep. Lavish Lawn Care. And Michelle did mention that you're probably not too sure on, like, the the the annual income side of things. Is that right?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Do you know how much your your kind of hourly rate is so I can work it out for you?\n\nChannel 1: Yeah. I'm I'm only about $33 now. That\n\nChannel 0: Yep.\n\nChannel 1: buck\n\nChannel 0: Thirty\n\nChannel 1: a\n\nChannel 0: three bucks for now. Is that full time, part time, casual?\n\nChannel 1: little. Casual.\n\nChannel 0: Casual. Any idea on on what the hours are gonna look like for you?\n\nChannel 1: Yeah. It's normally about six hours a day or something like that. And six to seven hours a day.\n\nChannel 0: Yep. And pretty much every day, or how how often\n\nChannel 1: Monday\n\nChannel 0: do you reckon\n\nChannel 1: Monday\n\nChannel 0: it's gonna\n\nChannel 1: to Friday.\n\nChannel 0: change? Oh, yep. Cool. Six to seven hours a day, Monday to Friday. So I'll I'll work that out after the call and just update your income details for the, like,\n\nChannel 1: Yep.\n\nChannel 0: contributions and projections. Outside of that, we've got the car, about $10 resale value, credit card sitting about 6,500 owing on that one.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And is there any savings I can note down just as a bit of anything you've built up the last year or so?\n\nChannel 1: That one. No. Everything's pretty much the same. Everything's good.\n\nChannel 0: Beautiful. The other thing that we mentioned too was just in terms of estate planning. I don't believe you have, like, a will or a power of attorney in place. You haven't put one of those in place in the last nine months.\n\nChannel 1: No. I haven't.\n\nChannel 0: Cool. If that's something that you're interested in, I know,\n\nChannel 1: Yep.\n\nChannel 0: obviously, lawyers can charge an arm or a leg. There's, like, government approved will kits from the post office that are, like, $25 a pop for a basic will. They're not the\n\nChannel 1: Okay.\n\nChannel 0: most amazing, but they're they're kinda helpful to get something in writing.\n\nChannel 1: Yeah. Yeah. Well, yeah,\n\nChannel 0: Cool. Outside of that,\n\nChannel 1: I'll\n\nChannel 0: so didn't\n\nChannel 1: do\n\nChannel 0: want any quotes for any kind of insurance stuff or\n\nChannel 1: that.\n\nChannel 0: just focus on the search at this point?\n\nChannel 1: Nah. That'd be fine.\n\nChannel 0: Awesome. And I'm assuming just because you're going to start at this job, we're probably not looking at doing any additional contributions to search at this point, just focus on the the savings.\n\nChannel 1: Yeah. Exactly. Exactly. I'm juggling trying to... I've been talking to a few other people about getting other jobs in permanent places and...\n\nYes. And this is just a temporary sort of fix.\n\nChannel 0: Awesome. So when that changes, we'll update it.\n\nChannel 1: Yeah.\n\nChannel 0: For now, I'll just base it on that 33 an hour, six to seven hours a day.\n\nChannel 1: Exactly.\n\nChannel 0: Beautiful. When it comes to the super... So you went through a bit of an investment switch with my colleague, Kyle, earlier in the year, if you recall, just to pick up that Bedouin option that was kinda crashing. Does that ring a bell?\n\nChannel 1: Yeah. I think so. Yeah. I get that.\n\nChannel 0: K.\n\nChannel 1: Yeah. Everything's\n\nChannel 0: So what was\n\nChannel 1: crashed.\n\nChannel 0: basically\n\nChannel 1: Yeah.\n\nChannel 0: happening was the world's kind of gone on fire a couple of times this year. March... Sorry. January to March was the Iran war. And then since mid October, we've had the markets dropping again.\n\nSo you've been on board with us for about... Just coming on three years, and you've\n\nChannel 1: Yep.\n\nChannel 0: already had three market drops in three years, which is a bit of a record. Just goes to show what's currently going on in the world is a bit abnormal, if I must say.\n\nChannel 1: Yeah.\n\nChannel 0: One of the good things that I can tell you is that you're you're still up positive for the year at least 5% after this. So, like, it's still wrong even with the\n\nChannel 1: Yep.\n\nChannel 0: market going\n\nChannel 1: Yep.\n\nChannel 0: crazy.\n\nChannel 1: That's\n\nChannel 0: On top of that, I mentioned at the start of the call that kind of growth risk profile, if that rings a bit.\n\nChannel 1: good. Yeah. Yeah. Yeah.\n\nChannel 0: So when you're in a growth, we pretty much got, like, 80% of your money in growth assets,\n\nChannel 1: Yeah.\n\nChannel 0: like shares, property, and gold, that\n\nChannel 1: Yep.\n\nChannel 0: kind of high risk, high return. 20\n\nChannel 1: Yep.\n\nChannel 0: percent is the safest side of things.\n\nChannel 1: Yeah.\n\nChannel 0: So you're kind of aiming for, like, an average return of, say, 9% after fees would be pretty much a benchmark for you to\n\nChannel 1: Yep.\n\nChannel 0: make sure you're on track.\n\nChannel 1: Yep. No. That sounds fair.\n\nChannel 0: You've managed to clear. I'm just having a look at it now since you came on board about two point eight years. You managed to clear a little bit over 10% after fees as well, but still tracking pretty well despite everything going on.\n\nChannel 1: That's good. Yeah. Yeah.\n\nChannel 0: The only thing I'll keep an eye on is when you see that review pack, what you'll see inside the performance report. So you had\n\nChannel 1: Yep.\n\nChannel 0: that option that was going down. That one got sold down to zero, and then we switched it out for a lower fee option. That's about for a fifth of the cost and much better performance as well. Kind of... When the the Australian stock market goes up and down, it kind of hugs it pretty closely, whereas\n\nChannel 1: Yep.\n\nChannel 0: that other option that you had before, it was kind of shooting down a lot faster.\n\nChannel 1: Yes. Yep.\n\nChannel 0: The two things I'll keep an eye on is you've got some really fun investments in there. You've got some gold that's been doing good.\n\nChannel 1: Yep.\n\nChannel 0: You've got some... They call it battery tech and lithium that kinda links into electric vehicles and that kind of thing.\n\nChannel 1: Yeah. It's hard to\n\nChannel 0: That one's\n\nChannel 1: say\n\nChannel 0: shooting\n\nChannel 1: that.\n\nChannel 0: up\n\nChannel 1: Okay.\n\nChannel 0: 19%. Cybersecurity up 25%. That's pretty good. Obviously, the AI stuff, there's a lot of lot of AI cybersecurity companies that are doing pretty well.\n\nChannel 1: Yes.\n\nChannel 0: So the only tool I'll keep an eye on is you've got a property option. And, obviously, I don't know if you heard the the legislation\n\nChannel 1: That is not\n\nChannel 0: changes that they brought in about the capital gains tax, the negative gearing.\n\nChannel 1: real. Yeah. Yeah. I think it's not really good on that.\n\nChannel 0: Yeah.\n\nChannel 1: Not\n\nChannel 0: So that\n\nChannel 1: the\n\nChannel 0: one's\n\nChannel 1: best.\n\nChannel 0: dropped a little bit.\n\nChannel 1: Yeah. Most\n\nChannel 0: No.\n\nChannel 1: definitely have. Yeah.\n\nChannel 0: I'll keep an eye on that one because what we're thinking is, obviously, everyone's a bit... They call it fear and greed in the market. At the moment, everyone's in fear mode after that, and I was buying and selling property or not buying,\n\nChannel 1: Yeah.\n\nChannel 0: really. We reckon that it could bounce back in the New Year, so I'll keep an eye on that one. If it still hasn't picked up after, say, January, February, I\n\nChannel 1: Yeah.\n\nChannel 0: might have to switch it out for a different asset class.\n\nChannel 1: That sounds better. Yeah. I get all a bit iffy on\n\nChannel 0: Cool.\n\nChannel 1: that anyway with the property, but people still have to actually buy it. But, you know, I mean, it's sort of not a real high investment at the moment. Yeah.\n\nChannel 0: No. So what I might do... There's another one there. The government's changing a few kind of term deposits and bonds. There's one in particular that's kind of being phased out the next couple of years, but you've gotten some good returns out of it.\n\nChannel 1: Yep.\n\nChannel 0: Some\n\nChannel 1: Yep.\n\nChannel 0: pretty good, you know, 4% growth for the safe side. So what I'll do, if you're comfortable,\n\nChannel 1: Yep.\n\nChannel 0: I can punch in for a bit of a catch up in February, and we can see what it's looking like, and I might be able to tweak a couple of those options around about then.\n\nChannel 1: Yeah. It sounds good.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Now that kind of lines up pretty well to be... We we call them, like, quarterly, six monthly catch up or annual review.\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna put in for a six month catch up before the next review around this time\n\nChannel 1: Yeah.\n\nChannel 0: next year. Is there anything else you want me to kind of focus on before Christmas, after Christmas, anything in particular?\n\nChannel 1: Can I take it right away? Thank you.\n\nChannel 0: Cool. So if you're okay with that, with the the review pack I've sent out there,\n\nChannel 1: Yep.\n\nChannel 0: we're\n\nChannel 1: Yep.\n\nChannel 0: just wondering if you're still comfortable, obviously, to remain a client of ours and kind of refresh that twelve month consent for Hub 24.\n\nChannel 1: Yeah. You're okay. We... Yeah. We got young on twelve months yet for sure.\n\nChannel 0: Yep. Now bear in mind, it's not like a lock in contract. It's basically just a consent as well.\n\nChannel 1: Okay.\n\nChannel 0: We still charge that kind of 1.65%, but it splits over the twelve months. The other thing too is that we've got a new structure in place in\n\nChannel 1: Yep.\n\nChannel 0: that service guide. When we get you above 200,000, there's some discounts that we've started adding to clients as well just to kind of help boost things up. So once we get you above 200,000, those extra tiers will apply. New discounts there down the line in a year or two time.\n\nChannel 1: Yep. Yep. Okay. Now we'll work on that then\n\nChannel 0: Cool.\n\nChannel 1: later on.\n\nChannel 0: Alrighty. Now outside of that, so one thing I did wanna mention is because retirement is... Let's have a little look here. At age 67, you got the age pension. Growth\n\nChannel 1: Yep.\n\nChannel 0: risk profile, you wanna have at least eight to nine years to kind of get those returns with all the market drops that happen. And\n\nChannel 1: Yep.\n\nChannel 0: I reckon in about two or three years' time, once we got some good growth out of it, we probably need to slowly start reducing your risk level down as\n\nChannel 1: Yeah.\n\nChannel 0: you approach the 60 kind of thing.\n\nChannel 1: That sounds good. Yep.\n\nChannel 0: Yeah. So, basically, instead of sitting at 80% growth assets in a couple of years' time, if we get some good years in the market, we'll drop you down to 70% and then sixty, fifty, 40,\n\nChannel 1: Yep.\n\nChannel 0: and that's\n\nChannel 1: Yeah.\n\nChannel 0: kind of like a nice state pension account to to sit on in retirement.\n\nChannel 1: Exactly. Yep.\n\nChannel 0: Sound alright?\n\nChannel 1: Yep. Yep. That's good.\n\nChannel 0: Beautiful. So I will leave that pack with you when you do have time to read through it. If you're comfortable with it, give us a sign and and flick it back, and we'll attach it to the hub account just so that we can make transactions on your behalf.\n\nChannel 1: Thank you.\n\nChannel 0: Outside of that, I've updated the income and the occupation.\n\nChannel 1: Yes.\n\nChannel 0: And then we will catch up with you around February time and see if the old property market picked up then.\n\nChannel 1: No worries.\n\nChannel 0: Awesome. Andrew, any questions for me before I let you go, sir?\n\nChannel 1: That's fine. Thank you.\n\nChannel 0: Awesome, mate. Best of luck with the new job. Hopefully, you get that nice new permanent one again soon. And\n\nChannel 1: Hi. Hi. Thank you.\n\nChannel 0: if anything pops up, just give us a buzz.\n\nChannel 1: Thank you.\n\nChannel 0: Oh, awesome, mate. See you later. Thank you so much.\n\nChannel 1: Cheers,\n\nChannel 0: Bye.\n\nChannel 1: mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.061666280031204224}],"sentiment":"neutral","sentiment_score":0.061666280031204224,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good day, Andrew.","start":2.48,"end":3.12,"sentiment":"positive","sentiment_score":0.40467023849487305},{"text":"It's Tommy here, senior adviser from.","start":3.12,"end":5.22,"sentiment":"neutral","sentiment_score":0.25824082146088284},{"text":"How are you doing?","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":0.23205490037798882},{"text":"Hi.","start":9.04,"end":9.36,"sentiment":"neutral","sentiment_score":0.2771270275115967},{"text":"Good to hear.","start":9.36,"end":9.92,"sentiment":"positive","sentiment_score":0.5405114889144897}],"sentiment":"neutral","sentiment_score":0.3288433376480551,"channel":0,"num_words":17,"start":2.48,"end":9.92},{"sentences":[{"text":"Good to hear.","start":9.92,"end":10.559999,"sentiment":"positive","sentiment_score":0.6287215749422709},{"text":"I've got you booked in for a bit of a super review, a bit of a catch up on a few things here.","start":10.559999,"end":15.345,"sentiment":"positive","sentiment_score":0.34300096656965173},{"text":"I'm just","start":15.425,"end":15.745,"sentiment":"neutral","sentiment_score":0.05884437449276447}],"sentiment":"positive","sentiment_score":0.35331698946122614,"channel":0,"num_words":28,"start":9.92,"end":15.745},{"sentences":[{"text":"Yep.","start":15.715,"end":16.215,"sentiment":"neutral","sentiment_score":0.0213281512260437}],"sentiment":"neutral","sentiment_score":0.0213281512260437,"channel":1,"num_words":1,"start":15.715,"end":16.215},{"sentences":[{"text":"wondering if you still got time.","start":15.745,"end":17.125,"sentiment":"neutral","sentiment_score":0.0023087039589881897}],"sentiment":"neutral","sentiment_score":0.0023087039589881897,"channel":0,"num_words":6,"start":15.745,"end":17.125},{"sentences":[{"text":"Yeah, mate.","start":17.395,"end":17.875,"sentiment":"neutral","sentiment_score":0.12670420855283737},{"text":"Yeah.","start":17.875,"end":18.115,"sentiment":"neutral","sentiment_score":0.1560712456703186},{"text":"For sure.","start":18.115,"end":18.775002,"sentiment":"neutral","sentiment_score":0.22927863895893097}],"sentiment":"neutral","sentiment_score":0.17360738813877105,"channel":1,"num_words":5,"start":17.395,"end":18.775002},{"sentences":[{"text":"Perfect.","start":19.585,"end":20.065,"sentiment":"positive","sentiment_score":0.5682807564735413},{"text":"Now I've got a bit of an updated review pack to send through to you.","start":20.065,"end":23.685,"sentiment":"neutral","sentiment_score":0.24475073516368867},{"text":"Will you have access to your email today to look onto it, or should I just kinda walk you through what's coming by?","start":24.065,"end":30.32,"sentiment":"neutral","sentiment_score":0.10878879609315292}],"sentiment":"neutral","sentiment_score":0.1728636947197792,"channel":0,"num_words":39,"start":19.585,"end":30.32},{"sentences":[{"text":"Yeah.","start":31.4,"end":31.9,"sentiment":"neutral","sentiment_score":0.0010510040447115898},{"text":"I can look at them, but...","start":31.96,"end":33.48,"sentiment":"neutral","sentiment_score":-0.019717042179157335},{"text":"Yeah.","start":33.48,"end":33.8,"sentiment":"neutral","sentiment_score":-0.014758273959159853},{"text":"It'll...","start":33.8,"end":34.3,"sentiment":"neutral","sentiment_score":-0.016264919191598892},{"text":"Yeah.","start":34.92,"end":35.42,"sentiment":"neutral","sentiment_score":-0.033038388937711716}],"sentiment":"neutral","sentiment_score":-0.01813128311187029,"channel":1,"num_words":10,"start":31.4,"end":35.42},{"sentences":[{"text":"I might be able to look at them while we're talking, so it's a bit tricky for me.","start":35.96,"end":39.18,"sentiment":"neutral","sentiment_score":-0.12627474839488664}],"sentiment":"neutral","sentiment_score":-0.12627474839488664,"channel":1,"num_words":18,"start":35.96,"end":39.18},{"sentences":[{"text":"That's alright.","start":39.58,"end":40.22,"sentiment":"neutral","sentiment_score":0.047368782572448254},{"text":"I'll send it through just so you've got it, and then I can kinda","start":40.22,"end":42.895,"sentiment":"neutral","sentiment_score":0.08828863528157983}],"sentiment":"neutral","sentiment_score":0.08317365369293839,"channel":0,"num_words":16,"start":39.58,"end":42.895},{"sentences":[{"text":"Yes.","start":42.625,"end":43.125,"sentiment":"neutral","sentiment_score":0.08856263756752014}],"sentiment":"neutral","sentiment_score":0.08856263756752014,"channel":1,"num_words":1,"start":42.625,"end":43.125},{"sentences":[{"text":"chat you through the details and answer any questions you've got.","start":42.895,"end":45.715,"sentiment":"neutral","sentiment_score":0.11744309284470299}],"sentiment":"neutral","sentiment_score":0.11744309284470299,"channel":0,"num_words":11,"start":42.895,"end":45.715},{"sentences":[{"text":"Yep.","start":45.905,"end":46.385,"sentiment":"neutral","sentiment_score":0.07970862090587616},{"text":"Yep.","start":46.385,"end":46.704998,"sentiment":"neutral","sentiment_score":0.09606781601905824},{"text":"No worries.","start":46.704998,"end":47.364998,"sentiment":"neutral","sentiment_score":0.1987045854330063}],"sentiment":"neutral","sentiment_score":0.14329640194773674,"channel":1,"num_words":4,"start":45.905,"end":47.364998},{"sentences":[{"text":"Beautiful.","start":48.015,"end":48.515,"sentiment":"positive","sentiment_score":0.4422256350517273},{"text":"Now just for the usual security process, so I'm registered with Aptive as adviser 1273105.","start":48.815,"end":55.59,"sentiment":"neutral","sentiment_score":0.1400984436273575}],"sentiment":"neutral","sentiment_score":0.1589813930913806,"channel":0,"num_words":16,"start":48.015,"end":55.59},{"sentences":[{"text":"Yep.","start":55.824997,"end":56.324997,"sentiment":"neutral","sentiment_score":0.05031421780586243}],"sentiment":"neutral","sentiment_score":0.05031421780586243,"channel":1,"num_words":1,"start":55.824997,"end":56.324997},{"sentences":[{"text":"Could I please just confirm your date of birth and address that we would have on file?","start":56.07,"end":60.25,"sentiment":"neutral","sentiment_score":0.0457993488320533}],"sentiment":"neutral","sentiment_score":0.0457993488320533,"channel":0,"num_words":17,"start":56.07,"end":60.25},{"sentences":[{"text":"Yeah.","start":61.2,"end":61.36,"sentiment":"neutral","sentiment_score":0.019159335643053055},{"text":"Date date of birth, 02/07/1970,","start":61.36,"end":64.42,"sentiment":"neutral","sentiment_score":0.01438846718519926}],"sentiment":"neutral","sentiment_score":0.015183611928174892,"channel":1,"num_words":6,"start":61.2,"end":64.42},{"sentences":[{"text":"Yeah.","start":65.35,"end":65.85,"sentiment":"neutral","sentiment_score":0.023984219878911972}],"sentiment":"neutral","sentiment_score":0.023984219878911972,"channel":0,"num_words":1,"start":65.35,"end":65.85},{"sentences":[{"text":"and I'm at Flat 25 Kenilworth Street, Shafterby.","start":65.68,"end":69.78,"sentiment":"neutral","sentiment_score":0.02641691023018211}],"sentiment":"neutral","sentiment_score":0.02641691023018211,"channel":1,"num_words":8,"start":65.68,"end":69.78},{"sentences":[{"text":"Sensational.","start":71.125,"end":71.625,"sentiment":"neutral","sentiment_score":0.029398232698440552},{"text":"And do you want to pay for the call to be recorded?","start":71.84499,"end":73.625,"sentiment":"neutral","sentiment_score":0.007359084052344163}],"sentiment":"neutral","sentiment_score":0.009054403178966962,"channel":0,"num_words":13,"start":71.125,"end":73.625},{"sentences":[{"text":"Yep.","start":74.775,"end":75.275,"sentiment":"neutral","sentiment_score":0.11997687071561812}],"sentiment":"neutral","sentiment_score":0.11997687071561812,"channel":1,"num_words":1,"start":74.775,"end":75.275},{"sentences":[{"text":"Beautiful.","start":76.725,"end":77.204994,"sentiment":"positive","sentiment_score":0.3604122996330261},{"text":"So just to let you know a little bit about what's coming through, we've got just an updated summary of how the food is going and some new kind of service guides from Oakview just with all our updated licensing information, privacy policy, and that kind of thing.","start":77.204994,"end":93.11,"sentiment":"neutral","sentiment_score":0.19522243551909924}],"sentiment":"neutral","sentiment_score":0.19859365723570999,"channel":0,"num_words":49,"start":76.725,"end":93.11},{"sentences":[{"text":"Oh, yes.","start":93.77,"end":94.25,"sentiment":"neutral","sentiment_score":0.07753674685955048},{"text":"Yes.","start":94.25,"end":94.49,"sentiment":"neutral","sentiment_score":0.08276893198490143},{"text":"Yes.","start":94.49,"end":94.99,"sentiment":"neutral","sentiment_score":0.14091718196868896}],"sentiment":"neutral","sentiment_score":0.09468990191817284,"channel":1,"num_words":4,"start":93.77,"end":94.99},{"sentences":[{"text":"Cool.","start":96.130005,"end":96.555,"sentiment":"neutral","sentiment_score":0.23193711042404175},{"text":"Now outside of that, is there anything in particular you are hoping to get out of today's 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luck?","start":113.915,"end":119.630005,"sentiment":"neutral","sentiment_score":-0.09517786004825642}],"sentiment":"neutral","sentiment_score":-0.09019746000487958,"channel":1,"num_words":31,"start":104.715004,"end":119.630005},{"sentences":[{"text":"Right.","start":121.05,"end":121.29,"sentiment":"neutral","sentiment_score":0.003908392041921616},{"text":"Right.","start":121.29,"end":121.53,"sentiment":"neutral","sentiment_score":0.004389336332678795},{"text":"Right.","start":121.53,"end":121.85,"sentiment":"neutral","sentiment_score":0.003870077431201935},{"text":"Okay.","start":121.85,"end":122.17,"sentiment":"neutral","sentiment_score":-0.02298014983534813},{"text":"So that kind of leads into two different 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check your account here on Hub.","start":135.72,"end":138.12,"sentiment":"neutral","sentiment_score":0.050144012086093426},{"text":"Just let 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for the super side of things, so that is listed for Alex's","start":140.44,"end":144.06,"sentiment":"neutral","sentiment_score":0.0474376747241387}],"sentiment":"neutral","sentiment_score":0.0447047000218715,"channel":0,"num_words":14,"start":139.64,"end":144.06},{"sentences":[{"text":"Yep.","start":144.6,"end":145.1,"sentiment":"neutral","sentiment_score":0.040859997272491455}],"sentiment":"neutral","sentiment_score":0.040859997272491455,"channel":1,"num_words":1,"start":144.6,"end":145.1},{"sentences":[{"text":"child to receive the super.","start":145.0,"end":146.44,"sentiment":"neutral","sentiment_score":0.07080095261335373},{"text":"Does that still sound correct for you?","start":146.44,"end":148.035,"sentiment":"neutral","sentiment_score":0.0794005926166262}],"sentiment":"neutral","sentiment_score":0.07581740928192933,"channel":0,"num_words":12,"start":145.0,"end":148.035},{"sentences":[{"text":"Hey, man.","start":148.28,"end":148.84,"sentiment":"neutral","sentiment_score":0.16085250675678253},{"text":"That's fine.","start":148.84,"end":149.58,"sentiment":"positive","sentiment_score":0.3442073464393616}],"sentiment":"neutral","sentiment_score":0.25252992659807205,"channel":1,"num_words":4,"start":148.28,"end":149.58},{"sentences":[{"text":"Beautiful.","start":150.595,"end":151.095,"sentiment":"positive","sentiment_score":0.5723469257354736},{"text":"Now we don't have any kind of life insurance or anything in place that I 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away?","start":769.26,"end":770.22003,"sentiment":"neutral","sentiment_score":-0.14772535177568594},{"text":"Thank you.","start":770.22003,"end":770.96,"sentiment":"neutral","sentiment_score":0.24351657927036285}],"sentiment":"neutral","sentiment_score":-0.049914869014173746,"channel":1,"num_words":8,"start":769.26,"end":770.96},{"sentences":[{"text":"Cool.","start":772.695,"end":773.195,"sentiment":"neutral","sentiment_score":0.1640664041042328},{"text":"So if you're okay with that, with the the review pack I've sent out 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in","start":808.075,"end":812.45996,"sentiment":"neutral","sentiment_score":0.08649852047009128}],"sentiment":"neutral","sentiment_score":0.046722043372158496,"channel":0,"num_words":28,"start":802.635,"end":812.45996},{"sentences":[{"text":"Yep.","start":812.425,"end":812.925,"sentiment":"neutral","sentiment_score":0.07071566581726074}],"sentiment":"neutral","sentiment_score":0.07071566581726074,"channel":1,"num_words":1,"start":812.425,"end":812.925},{"sentences":[{"text":"that service guide.","start":812.45996,"end":813.6,"sentiment":"neutral","sentiment_score":0.07677971323331197},{"text":"When we get you above 200,000, there's some discounts that we've started adding to clients as well just to kind of help boost things up.","start":813.74,"end":821.89996,"sentiment":"neutral","sentiment_score":0.1799195635318756},{"text":"So once we get you above 200,000, those extra tiers will 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comfortable with it, give us a sign and and flick it back, and we'll attach it to the hub account just so that we can make transactions on your behalf.","start":900.39,"end":907.93,"sentiment":"neutral","sentiment_score":0.1963450328912586}],"sentiment":"neutral","sentiment_score":0.21225285455584525,"channel":0,"num_words":50,"start":895.445,"end":907.93},{"sentences":[{"text":"Thank you.","start":908.67004,"end":909.33,"sentiment":"positive","sentiment_score":0.38275468349456787}],"sentiment":"positive","sentiment_score":0.38275468349456787,"channel":1,"num_words":2,"start":908.67004,"end":909.33},{"sentences":[{"text":"Outside of that, I've updated the income and the 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worries.","start":923.765,"end":924.585,"sentiment":"neutral","sentiment_score":0.17934466898441315}],"sentiment":"neutral","sentiment_score":0.17934466898441315,"channel":1,"num_words":2,"start":923.765,"end":924.585},{"sentences":[{"text":"Awesome.","start":926.32,"end":926.8,"sentiment":"positive","sentiment_score":0.366502046585083},{"text":"Andrew, any questions for me before I let you go, sir?","start":926.8,"end":929.45996,"sentiment":"neutral","sentiment_score":0.17039072919975629}],"sentiment":"neutral","sentiment_score":0.18673333898186684,"channel":0,"num_words":12,"start":926.32,"end":929.45996},{"sentences":[{"text":"That's fine.","start":930.06,"end":930.7,"sentiment":"neutral","sentiment_score":0.29332101345062256},{"text":"Thank you.","start":930.7,"end":931.44,"sentiment":"positive","sentiment_score":0.5304864346981049}],"sentiment":"positive","sentiment_score":0.4119037240743637,"channel":1,"num_words":4,"start":930.06,"end":931.44},{"sentences":[{"text":"Awesome, mate.","start":933.12,"end":933.68,"sentiment":"positive","sentiment_score":0.655846357345581},{"text":"Best of luck with the new job.","start":933.68,"end":934.95996,"sentiment":"positive","sentiment_score":0.6460868205342974},{"text":"Hopefully, you get that nice new permanent one again soon.","start":934.95996,"end":937.68,"sentiment":"positive","sentiment_score":0.6821826994419098},{"text":"And","start":937.68,"end":938.18,"sentiment":"positive","sentiment_score":0.45448312163352966}],"sentiment":"positive","sentiment_score":0.6555305287241936,"channel":0,"num_words":20,"start":933.12,"end":938.18},{"sentences":[{"text":"Hi.","start":938.06,"end":938.14,"sentiment":"positive","sentiment_score":0.41809529066085815},{"text":"Hi.","start":938.14,"end":938.38,"sentiment":"positive","sentiment_score":0.4990700483322144},{"text":"Thank 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later.","start":946.225,"end":946.785,"sentiment":"positive","sentiment_score":0.7349245548248291},{"text":"Thank you so 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adviser from an unknown company called Andrew to schedule a review and catch up on some new services, including reducing credit card debt and retirement goals. They discussed the retirement plans and goals for the future, including paying down credit cards and building savings. The adviser also mentioned growth opportunities in cybersecurity and AI technology and provided information on risk levels and income and occupation. They discussed a focus on reducing risk levels and increasing returns for clients, including a new retirement agreement and a review pack."},"intents":{"segments":[{"text":"wondering if you still got time.","start_word":47,"end_word":52,"intents":[{"intent":"Check availability","confidence_score":0.1640387}]},{"text":"Now I've got a bit of an updated review pack to send through to you. Will you have access to your email today to look onto it, or should I just kinda walk you through what's coming by? Yeah.","start_word":59,"end_word":97,"intents":[{"intent":"Send update pack","confidence_score":0.032890532}]},{"text":"Could I please just confirm your date of birth and address that we would have on file?","start_word":174,"end_word":190,"intents":[{"intent":"Confirm personal information","confidence_score":0.0053190812}]},{"text":"Could I please just confirm your date of birth and address that we would have on file? Yeah.","start_word":174,"end_word":191,"intents":[{"intent":"Confirm details","confidence_score":0.1481708}]},{"text":"And do you want to pay for the call to be recorded? Yep.","start_word":207,"end_word":219,"intents":[{"intent":"Pay for call","confidence_score":0.09100142}]},{"text":"Sort of like a a funeral sort of thing. You know, if I pass away, have I got sort of funeral cover and all that sort of luck? Right.","start_word":295,"end_word":323,"intents":[{"intent":"Ask about funeral cover","confidence_score":0.019031284}]},{"text":"Now I'm having a look at the details that Michelle had captured from you. So Yep.","start_word":667,"end_word":682,"intents":[{"intent":"Ask for details","confidence_score":0.002241637}]},{"text":"Now I'm having a look at the details that Michelle had captured from you. So Yep. we've got your your next of kin for us or emergency contact is Yep. listed as Rhonda. Is that still correct? Yep.","start_word":667,"end_word":704,"intents":[{"intent":"Verify details","confidence_score":0.006865807}]},{"text":"we've got your your next of kin for us or emergency contact is Yep. listed as Rhonda. Is that still correct? Yep.","start_word":682,"end_word":703,"intents":[{"intent":"Confirm information","confidence_score":0.070074365}]},{"text":"Or is it the parts and garden type work I No.","start_word":727,"end_word":737,"intents":[{"intent":"Confirm employment type","confidence_score":0.00024939037}]},{"text":"I already got that, and I'm passing on to him. Beautiful.","start_word":830,"end_word":840,"intents":[{"intent":"Pass on information","confidence_score":0.077198215}]},{"text":"And can I just double check with you, sorry, the the name of the company you said it was? Yeah.","start_word":841,"end_word":860,"intents":[{"intent":"Confirm company name","confidence_score":0.39912796},{"intent":"Confirm company name","confidence_score":0.2176259}]},{"text":"It's normally about six hours a day or something like that. And six to seven hours a day. Yep.","start_word":956,"end_word":974,"intents":[{"intent":"Confirm availability","confidence_score":0.002620607},{"intent":"Find out hours","confidence_score":0.00007812916}]},{"text":"So I'll I'll work that out after the call and just update your income details for the, like, Yep. contributions and projections. Outside of that, we've got the car, about $10 resale value, credit card sitting about 6,500 owing on that one. Yep.","start_word":1006,"end_word":1048,"intents":[{"intent":"Update income details","confidence_score":0.44675717},{"intent":"Update income","confidence_score":0.029533982}]},{"text":"And is there any savings I can note down just as a bit of anything you've built up the last year or so? That one.","start_word":1050,"end_word":1074,"intents":[{"intent":"Note savings","confidence_score":0.5495761}]},{"text":"The other thing that we mentioned too was just in terms of estate planning. I don't believe you have, like, a will or a power of attorney in place. You haven't put one of those in place in the last nine months.","start_word":1084,"end_word":1125,"intents":[{"intent":"Discuss estate planning","confidence_score":0.47977844}]},{"text":"Outside of that, I'll so didn't do want any quotes for any kind of insurance stuff or that. just focus on the search at this point? Nah.","start_word":1190,"end_word":1216,"intents":[{"intent":"Focus on search","confidence_score":0.14619815}]},{"text":"And I'm assuming just because you're going to start at this job, we're probably not looking at doing any additional contributions to search at this point, just focus on the the savings. Yeah.","start_word":1221,"end_word":1253,"intents":[{"intent":"Seek additional contributions","confidence_score":0.00020422418}]},{"text":"Just goes to show what's currently going on in the world is a bit abnormal, if I must say. Yeah.","start_word":1441,"end_word":1460,"intents":[{"intent":"Analyze market outlook","confidence_score":0.0000546843}]},{"text":"You managed to clear a little bit over 10% after fees as well, but still tracking pretty well despite everything going on. That's good. Yeah.","start_word":1627,"end_word":1651,"intents":[{"intent":"Assess stock market performance","confidence_score":0.000313218}]},{"text":"I can punch in for a bit of a catch up in February, and we can see what it's looking like, and I might be able to tweak a couple of those options around about then. Yeah.","start_word":2105,"end_word":2141,"intents":[{"intent":"Schedule a catch up","confidence_score":0.0052168467}]},{"text":"Outside of that, I've updated the income and the occupation. Yes.","start_word":2602,"end_word":2612,"intents":[{"intent":"Update information","confidence_score":0.019414939}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.061666280031204224},{"text":"Good day, Andrew.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3954367935657501},{"text":"It's Tommy here, senior adviser from. How are you doing? Hi.","start_word":4,"end_word":14,"sentiment":"neutral","sentiment_score":0.26242759823799133},{"text":"Good to hear. Good to hear. I've got you booked in for a bit of a super review, a bit of a catch up on a few things here.","start_word":15,"end_word":43,"sentiment":"positive","sentiment_score":0.3979097902774811},{"text":"I'm just Yep. wondering if you still got time. Yeah, mate. Yeah. For sure.","start_word":44,"end_word":57,"sentiment":"neutral","sentiment_score":0.08057209104299545},{"text":"Perfect.","start_word":58,"end_word":58,"sentiment":"positive","sentiment_score":0.5682807564735413},{"text":"Now I've got a bit of an updated review pack to send through to you. Will you have access to your email today to look onto it, or should I just kinda walk you through what's coming by? Yeah. I can look at them, but... Yeah. It'll... Yeah. I might be able to look at them while we're talking, so it's a bit tricky for me. That's alright. I'll send it through just so you've got it, and then I can kinda Yes. chat you through the details and answer any questions you've got. Yep. Yep. No worries.","start_word":59,"end_word":156,"sentiment":"neutral","sentiment_score":0.06409326940774918},{"text":"Beautiful.","start_word":157,"end_word":157,"sentiment":"positive","sentiment_score":0.4422256350517273},{"text":"Now just for the usual security process, so I'm registered with Aptive as adviser 1273105. Yep. Could I please just confirm your date of birth and address that we would have on file? Yeah. Date date of birth, 02/07/1970, Yeah. and I'm at Flat 25 Kenilworth Street, Shafterby. Sensational. And do you want to pay for the call to be recorded? Yep.","start_word":158,"end_word":219,"sentiment":"neutral","sentiment_score":0.05613987147808075},{"text":"Beautiful.","start_word":220,"end_word":220,"sentiment":"positive","sentiment_score":0.3604122996330261},{"text":"So just to let you know a little bit about what's coming through, we've got just an updated summary of how the food is going and some new kind of service guides from Oakview just with all our updated licensing information, privacy policy, and that kind of thing. Oh, yes. Yes. Yes. Cool. Now outside of that, is there anything in particular you are hoping to get out of today's call? Well, yes. Yeah. Sort of like a a funeral sort of thing. You know, if I pass away, have I got sort of funeral cover and all that sort of luck? Right. Right. Right. Okay. So that kind of leads into two different aspects. You've Yep. got the estate planning side of things, and then you've got things like, you know, funeral insurance, life insurance, and so on that we can talk about. I'll quickly check your account here on Hub. Just let me Yep. look. We've Yep. got... Just for the super side of things, so that is listed for Alex's Yep. child to receive the super. Does that still sound correct for you? Hey, man.","start_word":221,"end_word":408,"sentiment":"neutral","sentiment_score":0.05917728720034691},{"text":"That's fine. Beautiful.","start_word":409,"end_word":411,"sentiment":"positive","sentiment_score":0.4047798216342926},{"text":"Now we don't have any kind of life insurance or anything in place that I can Yep. see. It's just the super at this point. Okay. So he... He'll get it now. Yeah. Can he... He can store that from there, I suppose. Yeah. Pretty much. Pretty much. Yeah. Yeah. I'll leave it there. That... He he can... No. I'll let him know where he is. He can do whatever he wants to do with it. Yeah. Cool. Now outside of that, just in terms of looking at the goals and everything, obviously, we're trying to grow the super towards possibly, like, age 67 where we try and get as much super as we can. Yep. Obviously, you need to protect it at some point. You don't wanna be sitting there at age 66, sitting in a growth portfolio where you might lose it just before you retire, if that makes sense. Yep. So on about 500 a week. And, obviously, age pension will kick in at that age as well. So you'll get a bit of a double pension, one from Okay. the super, one from the government. Oh, cool. Cool. Outside of that, main focus is that I can see was basically just paying down the credit card, building up your savings. Is that kind of still your main focus for the for the next twelve Yeah. Yeah. months?","start_word":412,"end_word":642,"sentiment":"neutral","sentiment_score":0.03823176771402359},{"text":"Beautiful.","start_word":643,"end_word":643,"sentiment":"positive","sentiment_score":0.441796362400055},{"text":"Anything else that you're focusing on the next few years? Any goals you want me to add in? 94.","start_word":644,"end_word":662,"sentiment":"neutral","sentiment_score":0.17916278541088104},{"text":"Thank you.","start_word":663,"end_word":664,"sentiment":"positive","sentiment_score":0.38444262742996216},{"text":"Cool. Now I'm having a look at the details that Michelle had captured from you. So Yep. we've got your your next of kin for us or emergency contact is Yep. listed as Rhonda. Is that still correct? Yep. So we've got you as a grave digger for the council, I believe, on about 66,535 an hour. Yeah. No. Yeah. That's changed. Or is it the parts and garden type work I No. No. No. No. No. It's it's sort of something like that. It's... Yeah. I'm just basically can see? that... It's called Mavis Lawn Care now, and I'm... Yeah. Just basically mowing the yard. Yeah. It's... Cool. And that's not linked in with the council at all? Is it private? No. Yeah. That's just private at the moment because you're on... Yeah. In between jobs, so to speak. Oh, cool. And did you need... Was it like a a contribution form to give to the employer, or have we already given you that? I already got that, and I'm passing on to him.","start_word":665,"end_word":839,"sentiment":"neutral","sentiment_score":-0.02007399163075856},{"text":"Beautiful.","start_word":840,"end_word":840,"sentiment":"positive","sentiment_score":0.48348718881607056},{"text":"And can I just double check with you, sorry, the the name of the company you said it was? Yeah. Lavish Lavish Yeah. Lavish. Lawn Care. Yep. Lavish Lawn Care. And Michelle did mention that you're probably not too sure on, like, the the the annual income side of things. Is that right? Yeah. Correct. Do you know how much your your kind of hourly rate is so I can work it out for you? Yeah. I'm I'm only about $33 now. That Yep. buck Thirty a three bucks for now. Is that full time, part time, casual? little. Casual. Casual. Any idea on on what the hours are gonna look like for you? Yeah. It's normally about six hours a day or something like that. And six to seven hours a day. Yep. And pretty much every day, or how how often Monday do you reckon Monday it's gonna to Friday. change? Oh, yep.","start_word":841,"end_word":995,"sentiment":"neutral","sentiment_score":0.03418532874315016},{"text":"Cool.","start_word":996,"end_word":996,"sentiment":"positive","sentiment_score":0.34193551540374756},{"text":"Six to seven hours a day, Monday to Friday. So I'll I'll work that out after the call and just update your income details for the, like, Yep. contributions and projections. Outside of that, we've got the car, about $10 resale value, credit card sitting about 6,500 owing on that one. Yep. Yep. And is there any savings I can note down just as a bit of anything you've built up the last year or so? That one. No. Everything's pretty much the same.","start_word":997,"end_word":1080,"sentiment":"neutral","sentiment_score":0.09947976469993591},{"text":"Everything's good. Beautiful.","start_word":1081,"end_word":1083,"sentiment":"positive","sentiment_score":0.6141558885574341},{"text":"The other thing that we mentioned too was just in terms of estate planning. I don't believe you have, like, a will or a power of attorney in place. You haven't put one of those in place in the last nine months. No. I haven't. Cool. If that's something that you're interested in, I know, Yep. obviously, lawyers can charge an arm or a leg. There's, like, government approved will kits from the post office that are, like, $25 a pop for a basic will. They're not the Okay. most amazing, but they're they're kinda helpful to get something in writing. Yeah. Yeah. Well, yeah, Cool. Outside of that, I'll so didn't do want any quotes for any kind of insurance stuff or that. just focus on the search at this point? Nah. That'd be fine. Awesome. And I'm assuming just because you're going to start at this job, we're probably not looking at doing any additional contributions to search at this point, just focus on the the savings. Yeah. Exactly. Exactly. I'm juggling trying to... I've been talking to a few other people about getting other jobs in permanent places and... Yes. And this is just a temporary sort of fix.","start_word":1084,"end_word":1285,"sentiment":"neutral","sentiment_score":-0.026411134749650955},{"text":"Awesome.","start_word":1286,"end_word":1286,"sentiment":"positive","sentiment_score":0.3712235391139984},{"text":"So when that changes, we'll update it. Yeah. For now, I'll just base it on that 33 an hour, six to seven hours a day.","start_word":1287,"end_word":1311,"sentiment":"neutral","sentiment_score":0.0759677940607071},{"text":"Exactly. Beautiful.","start_word":1312,"end_word":1313,"sentiment":"positive","sentiment_score":0.5453751683235168},{"text":"When it comes to the super... So you went through a bit of an investment switch with my colleague, Kyle, earlier in the year, if you recall, just to pick up that Bedouin option that was kinda crashing. Does that ring a bell? Yeah. I think so. Yeah. I get that. K. Yeah. Everything's So what was crashed. basically Yeah. happening was the world's kind of gone on fire a couple of times this year. March... Sorry. January to March was the Iran war. And then since mid October, we've had the markets dropping again. So you've been on board with us for about... Just coming on three years, and you've Yep.","start_word":1314,"end_word":1425,"sentiment":"neutral","sentiment_score":-0.13868847489356995},{"text":"already had three market drops in three years, which is a bit of a record. Just goes to show what's currently going on in the world is a bit abnormal, if I must say.","start_word":1426,"end_word":1459,"sentiment":"negative","sentiment_score":-0.3966811597347259},{"text":"Yeah. One of the good things that I can tell you is that you're you're still up positive for the year at least 5% after this. So, like, it's still wrong even with the Yep. market going Yep. crazy. That's On top of that, I mentioned at the start of the call that kind of growth risk profile, if that rings a bit. good. Yeah. Yeah. Yeah. So when you're in a growth, we pretty much got, like, 80% of your money in growth assets, Yeah. like shares, property, and gold, that Yep. kind of high risk, high return. 20 Yep. percent is the safest side of things. Yeah. So you're kind of aiming for, like, an average return of, say, 9% after fees would be pretty much a benchmark for you to Yep. make sure you're on track. Yep. No. That sounds fair. You've managed to clear. I'm just having a look at it now since you came on board about two point eight years.","start_word":1460,"end_word":1625,"sentiment":"neutral","sentiment_score":0.05362586677074432},{"text":"You managed to clear a little bit over 10% after fees as well, but still tracking pretty well despite everything going on. That's good.","start_word":1626,"end_word":1649,"sentiment":"positive","sentiment_score":0.4734047055244446},{"text":"Yeah. Yeah. The only thing I'll keep an eye on is when you see that review pack, what you'll see inside the performance report. So you had Yep. that option that was going down. That one got sold down to zero, and then we switched it out for a lower fee option. That's about for a fifth of the cost and much better performance as well. Kind of... When the the Australian stock market goes up and down, it kind of hugs it pretty closely, whereas Yep. that other option that you had before, it was kind of shooting down a lot faster. Yes. Yep.","start_word":1650,"end_word":1754,"sentiment":"neutral","sentiment_score":0.002397992182523012},{"text":"The two things I'll keep an eye on is you've got some really fun investments in there. You've got some gold that's been doing good.","start_word":1755,"end_word":1779,"sentiment":"positive","sentiment_score":0.4742896556854248},{"text":"Yep. You've got some... They call it battery tech and lithium that kinda links into electric vehicles and that kind of thing. Yeah. It's hard to That one's say shooting that. up Okay. 19%. Cybersecurity up 25%. That's pretty good. Obviously, the AI stuff, there's a lot of lot of AI cybersecurity companies that are doing pretty well. Yes. So the only tool I'll keep an eye on is you've got a property option. And, obviously, I don't know if you heard the the legislation That is not changes that they brought in about the capital gains tax, the negative gearing. real. Yeah. Yeah. I think it's not really good on that. Yeah. Not So that the one's best. dropped a little bit. Yeah. Most No. definitely have. Yeah. I'll keep an eye on that one because what we're thinking is, obviously, everyone's a bit... They call it fear and greed in the market. At the moment, everyone's in fear mode after that, and I was buying and selling property or not buying, Yeah. really. We reckon that it could bounce back in the New Year, so I'll keep an eye on that one. If it still hasn't picked up after, say, January, February, I Yeah. might have to switch it out for a different asset class. That sounds better. Yeah. I get all a bit iffy on Cool. that anyway with the property, but people still have to actually buy it. But, you know, I mean, it's sort of not a real high investment at the moment. Yeah. No. So what I might do... There's another one there. The government's changing a few kind of term deposits and bonds. There's one in particular that's kind of being phased out the next couple of years, but you've gotten some good returns out of it. Yep. Some Yep.","start_word":1780,"end_word":2086,"sentiment":"neutral","sentiment_score":-0.04691485661394433},{"text":"pretty good, you know, 4% growth for the safe side.","start_word":2087,"end_word":2096,"sentiment":"positive","sentiment_score":0.44134989380836487},{"text":"So what I'll do, if you're comfortable, Yep. I can punch in for a bit of a catch up in February, and we can see what it's looking like, and I might be able to tweak a couple of those options around about then. Yeah.","start_word":2097,"end_word":2141,"sentiment":"neutral","sentiment_score":0.1441594362258911},{"text":"It sounds good. Cool.","start_word":2142,"end_word":2145,"sentiment":"positive","sentiment_score":0.4772328734397888},{"text":"Yep. Now that kind of lines up pretty well to be... We we call them, like, quarterly, six monthly catch up or annual review. Yep. I'm gonna put in for a six month catch up before the next review around this time Yeah. next year. Is there anything else you want me to kind of focus on before Christmas, after Christmas, anything in particular? Can I take it right away? Thank you. Cool. So if you're okay with that, with the the review pack I've sent out there, Yep. we're Yep. just wondering if you're still comfortable, obviously, to remain a client of ours and kind of refresh that twelve month consent for Hub 24. Yeah. You're okay. We... Yeah. We got young on twelve months yet for sure. Yep. Now bear in mind, it's not like a lock in contract. It's basically just a consent as well. Okay. We still charge that kind of 1.65%, but it splits over the twelve months. The other thing too is that we've got a new structure in place in Yep. that service guide. When we get you above 200,000, there's some discounts that we've started adding to clients as well just to kind of help boost things up. So once we get you above 200,000, those extra tiers will apply. New discounts there down the line in a year or two time. Yep. Yep. Okay. Now we'll work on that then Cool. later on. Alrighty. Now outside of that, so one thing I did wanna mention is because retirement is... Let's have a little look here. At age 67, you got the age pension. Growth Yep. risk profile, you wanna have at least eight to nine years to kind of get those returns with all the market drops that happen. And Yep. I reckon in about two or three years' time, once we got some good growth out of it, we probably need to slowly start reducing your risk level down as Yeah. you approach the 60 kind of thing.","start_word":2146,"end_word":2483,"sentiment":"neutral","sentiment_score":0.04951196807552371},{"text":"That sounds good.","start_word":2484,"end_word":2486,"sentiment":"positive","sentiment_score":0.3421296179294586},{"text":"Yep. Yeah. So, basically, instead of sitting at 80% growth assets in a couple of years' time, if we get some good years in the market, we'll drop you down to 70% and then sixty, fifty, 40, Yep. and that's Yeah. kind of like a nice state pension account to to sit on in retirement. Exactly. Yep. Sound alright? Yep. Yep.","start_word":2487,"end_word":2547,"sentiment":"neutral","sentiment_score":0.06665162742137909},{"text":"That's good. Beautiful.","start_word":2548,"end_word":2550,"sentiment":"positive","sentiment_score":0.5069948434829712},{"text":"So I will leave that pack with you when you do have time to read through it. If you're comfortable with it, give us a sign and and flick it back, and we'll attach it to the hub account just so that we can make transactions on your behalf.","start_word":2551,"end_word":2599,"sentiment":"neutral","sentiment_score":0.2017167955636978},{"text":"Thank you.","start_word":2600,"end_word":2601,"sentiment":"positive","sentiment_score":0.3617700040340424},{"text":"Outside of that, I've updated the income and the occupation. Yes. And then we will catch up with you around February time and see if the old property market picked up then. No worries.","start_word":2602,"end_word":2635,"sentiment":"neutral","sentiment_score":0.08782576769590378},{"text":"Awesome.","start_word":2636,"end_word":2636,"sentiment":"positive","sentiment_score":0.366502046585083},{"text":"Andrew, any questions for me before I let you go, sir? That's fine.","start_word":2637,"end_word":2649,"sentiment":"neutral","sentiment_score":0.2042089551687241},{"text":"Thank you. Awesome, mate. Best of luck with the new job. Hopefully, you get that nice new permanent one again soon. And Hi. Hi. Thank you.","start_word":2650,"end_word":2675,"sentiment":"positive","sentiment_score":0.6215939751038184},{"text":"if anything pops up, just give us a buzz.","start_word":2676,"end_word":2684,"sentiment":"neutral","sentiment_score":0.33311817049980164},{"text":"Thank you. Oh, awesome, mate. See you later. Thank you so much. Cheers, Bye.","start_word":2685,"end_word":2698,"sentiment":"positive","sentiment_score":0.7185685634613037},{"text":"mate. Bye.","start_word":2699,"end_word":2700,"sentiment":"neutral","sentiment_score":0.20884524285793304}],"average":{"sentiment":"neutral","sentiment_score":0.052550129279239105}}}}