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Perfect. Now just before I do go any further, I just need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. And how's your morning been? Been busy? Yeah. Oh, yeah. Hopefully, nothing nothing too bad. Well, I will try not to keep you for too long this morning. But before I kind of get started onto things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see where everything's at. Yeah. No. That is no worries. So the annual review is a really good kind of touch point for kind of what's happened in the last twelve months and where is everything is at. So we'll definitely go through that today. Now what I might do first is just quickly run through just a bit of an updated fact find with you just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I run through this quickly. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yep. Beautiful. And next up, Ken, I have Amy Lee nominated. That's correct as well? Yep. Perfect. And phone number ending in 817, that hasn't changed? Yep. Yep. Perfect. Now when it comes to your employment, has any of that changed? Are you still working as a coal miner? Yep. Perfect. Same company, everything as well? Yeah. Great. Now income wise, I have here about 130,000. Do you know if that's correct? Mhmm. How much do you think? Yeah. Perfect. Thank you. Yep. Perfect. And does that include, like, bonuses? Is that pretty consistent? Yes. Okay. And do you think you would be roughly on past for that this financial year? Yep. Alright. Perfect. And your employer pays superannuation contributions on that full amount? Yeah. Because I I had here no. That's okay. Because I had here as well that you have so last time we spoke, we we had your base income, which was at about 70, and then your full income was a 130, but that the employer contribution was only paid on your base, not overtime. But then if you do get bonuses, then you tend to get contributions on your bonus as well. Mhmm. That'll be great. And what would that equate to for your income? Do you know? More so just so, obviously, if you said on your thirty five hours, but, obviously, your 156,000 would be more than that. So out of the 156, do you know what portion is classified as your ordinary earnings? 70? Okay. Yep. Perfect. So I can also triple check it in your superannuation as well. I can go through the transactions and just triple check that for you. Yeah. Yep. Perfect. And with the contribution minimum now, so that EBA might be a little bit outdated or potentially, like, the last two financial years because the minimum now is 12%. So that is up. Yeah. Perfect. So that is good. At least I paid up standard 12, and that is on your base of thirty five hours. That is no problem. Otherwise, you are not making additional contributions. Is that start from your employer? Yep. Yep. No. That is all void. And when it comes to your assets, so last time we spoke, you just sold the property and bought a new one. And I think I have the new one here. It was valued at about 875,000. Does that sound about right? Yep. Perfect. And mortgage, I have about 6 20. How much do you reckon roughly? Perfect. 10. Now I also have here True Motor Vehicles combined value at about 25,000. Yep. And I had here as well that you had finance on the cost, but that was included in the mortgage. Yep. Yep. Perfect. Yep. Also, sure. Yeah. No worries. All good, Danielle. No. That's okay. Take your time. No. All good. No worries. Now let me see here. Any other assets, though, I have cash in the bank about 4,000. Yeah. It's not all good. Any other new assets, like any motorbikes or boats or anything else? No. No. Perfect. And any other liabilities, like personal loans, credit cards, ZipPay? No. Yep. Perfect. And when it comes to health and life style, I have you down here as a nonsmoker. That's still the case? Yep. Perfect. And in regards to your health, I know that, again, last time we spoke, you were off work for about a month or so, had a stent put in, but you kind of just were getting back to work. How is that all going? Oh, beautiful. Yep. Oh, that's great. And any other changes to health or injuries or anything? No. That's great. And do you have private health insurance? No. Okay. And with your wife as well, is she working at the moment? Yep. Okay. Because as well, it does depend on your your family income. There's something to be mindful of is because you are classified as a high income earner. So, basically, from a medical levy surcharge point, have you heard of that before? Mhmm. Okay. Yeah. That's okay. And it also depends on like, there is a threshold, so you individually are over the threshold, but it counts as a family as well. So for an individual, it's a 100 and over 101,000. But, again, like you said, there is then a tiered structure, and sometimes it's better off just paying for a cheap policy. Sometimes it's not. So, obviously, it depends. But for a family, it's 202. And then you do mhmm. Yeah. Yeah. And and so many people are the same. I do like to mention it because sometimes people, like, their accountant haven't told them, so they just don't know. But it is something you're aware of, which is good. And, yeah, sometimes sometimes it's cheaper to just pay the tax, and like you said, then you don't have to worry about it. Oh, that's pretty good. Okay. Oh, that's good. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place? Yep. Perfect. And do you know if you made a nomination for power of attorney at the same time with the will? Yep. Okay. Perfect. That's fine. But at the moment, you don't have anyone who obviously makes any financial decisions on your behalf? No. Yep. Perfect. And when it comes to a beneficiary, so for your super in insurance, I have it going to Amy at a 100%. Is that still the case as well? Yep. Beautiful. And because she is your spouse, it would go tax free to her, which is great. Now, otherwise, when it comes to, I guess, goals, the stuff that you are working towards so that you are wanting to achieve, during under review is sometimes a good point to just kind of touch base and see, is that still your goals? Has anything changed? Is there anything else you're working towards? And last time we spoke, you were just kind of, yeah, in the middle of selling the property, moving into the new one. So that was kind of the main focus. But is there anything you guys are working towards in the next couple of years financially or non financially? Yep. Yeah. Yeah. No. Beautiful. Now when it comes through superannuation as well, what I will do is just quickly run through just a bit of an updated risk profile questionnaire with you, Daniel, just to see if there is anything major that has changed, if we need to make any changes to your risk tolerance. So it's all just multiple choice again to make it nice and easy and no right or wrong answer. Does that make sense? Yep. Perfect. Now when it comes to the level of risk that you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Yes. Yep. You did. Six yep. Perfect. And would you say that how you feel about market fluctuations has changed, or would you think everything is pretty much exactly the same as last year? Mhmm. So would you say you're a bit more defensive? Or and in terms of so, obviously, for superannuation, because it is a long term investment, obviously, depending on what is going on in the world. And like you touched on, the last twelve months have been quite turbulent, which is also, like, expected short term in a high growth portfolio. So at the moment, we have you in a high growth portfolio. Basically, what that means is that you are wanting to maximize growth in your super while you still have plenty of time, but also that you are comfortable with and understand that there will be ups and downs and market fluctuations depending on what is going on because you are in that kind of high high growth category. And when it comes through how your money is actually invested, we see 90% invested in a combination of your growth assets, which is your Australian shares, international shares, property, and commodities, and that is ultimately what is going to grow your super the most. But then you also have about 10% in defensive. So that is like your cash, your your gold, your fixed interest to limit fluctuations a little bit, but that 90% does go to those growth investments. Would you say that you are still comfortable with the fluctuations given the time you have until retirement, Or do you feel like you might want to look at reducing the risk a little bit for you? Or what are your thoughts? Yep. It there is a few factors that plays into into role. So what we look at is time frame. Actually, what I might do, because it may makes a bit more sense. Do you have access to your emails? Yep. So what I have done is I have to send you an email with some documents to run through, and one of those attachments does kind of talk about and show market fluctuations, which will come in handy. Yes. That is perfect. Thank you for doing that. But if you could jump into it for me, and I'll just kind of talk you through the documents if you can. And then let me know the documents you can see. Yeah. Okay. Perfect. So to make it easy, you don't have to flip back and forth. We can start at this first document first, and it should show you a summary of superannuation and insurances. Let me know if you can see that one. Okay. That's okay. If you want, I can just kind of run through it with you. And then if you wanted to download it later and have a look, you you can, if that will be easier. Okay. If you wanna start from the top, the first document should say summary of superannuation and insurances. It should be all the way at the top. We can we can start we can start there because that's the one I kinda wanted to talk to you about. I see if that's the one that you can see first anyway. Yep. So this one here, do you remember seeing something like this before? Yeah. But, basically, what it shows is the market and historically what's happened. So it basically, it's a good visual representation, and it does show you from 1995 through to 2025. And you can see kind of all the ups and downs of the market in correlation through the different events that happened in the world. Now Vanguard does release one every year, which is great, and the next one is due to come out any day now because they do it at the end of their financial year. So what we look at when it comes through your risk profile, one of the factors is time frames. So making sure that you have enough time in the market for these kind of ups and downs. Now when it comes through your high growth portfolio, like I mentioned, 90% of those growth one, that is your top four here. So you can see your light green, which is The US shares, your darker green, which is Australian shares, international shares, which is, like, the yellow, and then your maroon color, which is, like, the property. Can you see those? Yep. Yeah. So it does show you that if you look from 1995 and you just follow The US shares, you can see that that one fluctuates the most. But it also grows the most over the long term. So that's where, you know, time comes to play. And, typically, clients in a similar age to yourself, we see in the high growth portfolio because you have plenty of times for these fluctuations. So, yes, there will be times where things are fluctuating or things are down, but you can also see it always comes back around over the long term. It is just fluctuating kind of depending on the events of the world. You can also see kind of from this trend here that often the biggest dips in the market are quite closely followed with kind of a a steep incline again. So often where people kind of sell out when things are down, you you kind of miss that kind of comeback as well because they can happen very closely together. Does that make sense? Yep. Perfect. And in a high growth, we do ideally want to see at least eight years until retirement, making sure you have enough time for these kind of fluctuations. So from a time frame point of view, you are in a good position in that high growth. But aside from, obviously, time, it's also what you are comfortable with. So yeah. I mean, you might be able to. You just can't get your super yet. But if you win the lottery, you might be able to stop working. But Super is locked in until 60, at least, for now. So, yes, it's also the fluctuations. So if you see a short term down, things on as, you know, fluctuating a lot more, If it was something you kept an eye on a lot, you might see throughout the year a bit of those fluctuations. If that is something that you are concerned about, then we could look at reducing the risk for you. But if you feel like well, as long as long term, it continues to grow and move forward, then a high growth portfolio is suitable at least from a time frame in where you sit. So there's kind of, like, the different components. Yes. Yep. Perfect. Now where you are in the documents, if you scroll up, can you see what document can you see? There is six documents, but some of them have a few different pages. Sorry. They should Yep. Yep. Yes. If you wanna stop there, for example, we can talk about that one. So the performance with IRR, it shows you your portfolio over the last twelve months. So, obviously, like you touched on, we have seen a bit of fluctuations in the market over the last twelve months. Now in saying that though, when it comes to your superannuation balance, I know you said you thought that maybe things haven't grown, and you are still ahead from last year. So when we spoke last year, your super balance was at a 129,011, and now it's up at a 143,503. So despite fluctuations, it's still growing, which is good. In saying that though, I do want to look at potentially changing one of your investments. So if you are in this document, can you see the second column to the right where it says internal rate of return? Yes? Okay. Perfect. You see, like, the percentage? Like, the numbers? Yep. So what this is, it represents in the last twelve months the performance on each of your individual investments. So the one at the top that has the bracket next to it, that is underperforming a bit at the moment. So that one is down, and that is the one I would like to look at potentially changing for you in making sure that we always have you in the best options moving forward because things are always changing. So the good thing with HUB twenty four is that there's hundreds of different options for us to choose from, and things aren't always going to stay the same. So with your super, as much as we don't day trade, we invest in the long term. At the same time, we do wanna take that proactive approach. And if we foresee one investment being a little bit slower or might not the best option or there's better alternatives out there, then we wanna make sure that we do the research and potentially look at changing things for you. Does that make sense? Yeah. So I would have to do all the research for you first and put it together in a proposal, but the one that I am looking at investing I'll I'll look at all of it, but the one that I am particularly interested is in your top one because that is the one that is underperforming every correct. Correct. The Benelon. Yeah. So that is the one you can see on the percentage column here that that one is down. Everything else you can see are doing pretty good. Correct. It is hard to tell, so because things do fluctuate. So sometimes when an investment is down, we might not want to change it because things like in that graph we saw, things come back around. But if we kind of do extensive research on an investment and we foresee things being a bit slower, so we've been along how that one is a little bit different to your other investments is that they are actively buying and selling different investments. So and they have been very successful in doing so. But more recently, they've been a little bit slower in making their decisions, and one of the reasons why they are also down at the moment is that one of the investments that they have in their portfolio is the Corporate Travel Group. Have you ever heard of them? No. So, essentially, that company had a bit of issues with that reporting, which actually meant that everything was put on pause. So they can't trade. They can't do anything. So because it's kind of just on pause, you things are dropping. So the good thing is that we can get you out of Bennelong because you are not invested in that particular company. So, obviously, the returns on Bennelong is has been impacted because of the company they had in their portfolio, but that doesn't mean that you are tied to it. So we can switch you out of Bennelong if we find better options. So what I will do as part of my research is considering your whole portfolio as a whole, the asset allocation, because we wanna still make sure everything is diversified and aligned for you. But if there is anyone that has performed better than Benelon, and that might even be a little bit cheaper, for example. Yeah. That was probably a long answer, but there is a lot that goes into it. And it doesn't cost you anything extra. It's all part of the service, and we do look at the investments all the time. And we wanna make sure that if there is something that is lagging a little bit, we don't obviously there's nothing tying us to Bennelong or anything else. So if there's better options out there that we can put you in to make sure that your super grows more, and that's a bit more kind of stable moving forward, then we wanna do the research and look if that is going to be the best option for you. Yeah. Yeah. Perfect. But, otherwise, you can see that some of the investments have been pretty crazy. You can see that there is one that's Asia fifty that has gone up about 47%, which is crazy. So there's a bit of a mix even though you are in that high growth portfolio. But I'll go and do some research on the investments to see if we want to make any changes for you. Yep. Perfect. Now what are the other documents you can see? Yep. Yep. So certificate of currency breaks down your insurances in a bit more info in a bit more detail. Essentially, when it comes to your insurances, you have three policies. So you have your life and your total permanent disability. Now at the moment, you are covered for 596,166. With your total permanent disability as well, because you are in the insurance mind in a bit of a riskier occupation, you do have that other definition through the total permanent disability. So it is little bit stricter definition, and you have to meet the terms of kind of being, impaired and severe severely disabled in order to get the payout for the total permanent disability. Do you remember kind of going through that a little bit last year as well? Yep. Perfect. Now with your life and TPD, do you have any questions? Do you feel like those amounts are still appropriate for you? Yep. Yep. Perfect. And with your income protection, because you do have an income protection policy as well, that will pay you a monthly amount of 6,160 per month, which is good. You do have that ninety day waiting period, a two year benefit period. All three are paid from within hub twenty four. You do get a 15% tax rebate. And after that, the total premium for all three is 1,581. Do you have any questions in regards to the income protection at all? From a price point of view, it is actually a little bit cheaper, and that is because it is a stricter definition on the total permanent disability. So downside is a little bit harder to claim on, but then they do make it cheaper because of it. So, otherwise, when it comes through the amount of cover you have for for your age and especially occupation, because they do assess the base on occupation, it is quite competitive from a price point of view. With the income protection, the one thing you do also want to be mindful of is that, obviously, as your income change, you wanna make sure that still aligns with you or at least covers bills and expenses. So let me just check here. So with income protection, you can get up to 70% of your income covered. Now if your income is a 156, and that is pretty consistent, so insurance can assess bonuses and overtime if it's quite consistent. If it fluctuates a lot, sometimes they only assess your your base rate. But if we assume a 156,000 at 70%, that could give you 9,100 per month. At the moment, you are covered for 6,160. So there is a bit of a gap. It doesn't mean that you have to increase it. Just something to be mindful of because at the same time, by increasing the cover, it means it costs more. But then at the same time, you also need to be mindful of, well, will 6,160 be okay for you and the family financially if you temporarily are unable to work? Yep. The one thing as well, so if you are wanting to look at potentially increasing, because an insurer's mind, they take on more risk. They'd have to go through that whole underwriting process again. And even though things are good for you at the moment with this stent and the time frame, they might not be able to look at it yet. But it yeah. Okay. If anything changes though, you can always let us know. It doesn't have to be on review. We can review it whenever you want to. Yeah. Okay. Perfect. Now, otherwise, basically, the last documents and you don't really have to see them. They are that if you want to go back, there was a new Oakview services guide. One of those documents you would have seen a couple of times, just all the important information in regards to us here at Oakview. And then that ongoing service agreement, the one that you did sign, just so you know, that was obviously to say that you are happy to stay on as a client. Now the fee structure hasn't changed. It stays exactly the same for you at that 1.65 from super, and it is also not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But by signing that, otherwise, it just allows us to manage all your investments and everything else for you in the meantime. Do you have any questions in regards to any of those documents? So that's pretty straightforward. Yep. Okay. Perfect. So what I might do while I do have you on the phone is just to book in the follow-up score when I've done the research on your investments to see if we wanna potentially make some changes. So it will take me about a week to pull together all the research. So when is a good time for you to kind of run through that? And it shouldn't take as long as today. Next Friday. I don't work Fridays, unfortunately. Do you you have any other times during the week? Okay. Let me have a little look here. Now I am fully booked, let me see, on this Monday, but I could do the following Monday on the August 31, if that works. Yep. Okay. Now at the moment, I could do either 1PM or three PM. Would either of those work? 1PM? Okay. Beautiful. Actually, could I do 01:30? Yes? Okay. Well, I will book that in on Monday, August 31, which is crazy that it's at the end of August already, for the presentation to go over if we do wanna make any changes to your investments. Now if anything does change and you can't make the appointment, just let me know and we can always get you rescheduled. But, otherwise, that is all booked in on Monday, August 31 at 01:30. Yep. Beautiful. Now, Daniel, do you have any other questions for me, otherwise, before I let you go and get on with your day? No? Yeah. Beautiful. What's that? Yes. I think so. And part of the research, I'll I can go through and do kind of new updated projections and everything as well just to see how things are tracking. But from, obviously, age, you are in a good position. And when I do, obviously, it it comes down to how much if you're making extra contributions, how much you're getting from your employer. Because you are a high income earner, you are getting a decent amount from your employer already. Everyone is quite individual and depends on how long you've been working. But when I do kind of just look at how much you have in Super versus other clients in a similar age to you, you are sitting in a good position. Yeah. Which is which is good. But, yes, I'll go through things a little bit more detail on Monday the thirty first with you as well with those investments and stuff. Yep. Beautiful. Well, thank you so much for your time this morning, Daniel, and I look forward to speaking with you at 01:30 on Monday the thirty first. No worries. We're fixing. 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morning, Daniel. This is Veronica from x u Financial. How are you? I'm good. Thanks.\n\nI had you booked in this morning to go over your under review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nYep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Yep. Yep.\n\nPerfect. And how's your morning been? Been busy? Yeah. Oh, yeah.\n\nHopefully, nothing nothing too bad. Well, I will try not to keep you for too long this morning. But before I kind of get started onto things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see where everything's at. Yeah. No.\n\nThat is no worries. So the annual review is a really good kind of touch point for kind of what's happened in the last twelve months and where is everything is at. So we'll definitely go through that today. Now what I might do first is just quickly run through just a bit of an updated fact find with you just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I run through this quickly.\n\nNow when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yep. Beautiful. And next up, Ken, I have Amy Lee nominated.\n\nThat's correct as well? Yep. Perfect. And phone number ending in 817, that hasn't changed? Yep.\n\nYep. Perfect. Now when it comes to your employment, has any of that changed? Are you still working as a coal miner? Yep.\n\nPerfect. Same company, everything as well? Yeah. Great. Now income wise, I have here about 130,000.\n\nDo you know if that's correct? Mhmm. How much do you think? Yeah. Perfect.\n\nThank you. Yep. Perfect. And does that include, like, bonuses? Is that pretty consistent?\n\nYes. Okay. And do you think you would be roughly on past for that this financial year? Yep. Alright.\n\nPerfect. And your employer pays superannuation contributions on that full amount? Yeah. Because I I had here no. That's okay.\n\nBecause I had here as well that you have so last time we spoke, we we had your base income, which was at about 70, and then your full income was a 130, but that the employer contribution was only paid on your base, not overtime. But then if you do get bonuses, then you tend to get contributions on your bonus as well. Mhmm. That'll be great. And what would that equate to for your income?\n\nDo you know? More so just so, obviously, if you said on your thirty five hours, but, obviously, your 156,000 would be more than that. So out of the 156, do you know what portion is classified as your ordinary earnings? 70? Okay.\n\nYep. Perfect. So I can also triple check it in your superannuation as well. I can go through the transactions and just triple check that for you. Yeah.\n\nYep. Perfect. And with the contribution minimum now, so that EBA might be a little bit outdated or potentially, like, the last two financial years because the minimum now is 12%. So that is up. Yeah.\n\nPerfect. So that is good. At least I paid up standard 12, and that is on your base of thirty five hours. That is no problem. Otherwise, you are not making additional contributions.\n\nIs that start from your employer? Yep. Yep. No. That is all void.\n\nAnd when it comes to your assets, so last time we spoke, you just sold the property and bought a new one. And I think I have the new one here. It was valued at about 875,000. Does that sound about right? Yep.\n\nPerfect. And mortgage, I have about 6 20. How much do you reckon roughly? Perfect. 10.\n\nNow I also have here True Motor Vehicles combined value at about 25,000. Yep. And I had here as well that you had finance on the cost, but that was included in the mortgage. Yep. Yep.\n\nPerfect. Yep. Also, sure. Yeah. No worries.\n\nAll good, Danielle. No. That's okay. Take your time. No.\n\nAll good. No worries. Now let me see here. Any other assets, though, I have cash in the bank about 4,000. Yeah.\n\nIt's not all good. Any other new assets, like any motorbikes or boats or anything else? No. No. Perfect.\n\nAnd any other liabilities, like personal loans, credit cards, ZipPay? No. Yep. Perfect. And when it comes to health and life style, I have you down here as a nonsmoker.\n\nThat's still the case? Yep. Perfect. And in regards to your health, I know that, again, last time we spoke, you were off work for about a month or so, had a stent put in, but you kind of just were getting back to work. How is that all going?\n\nOh, beautiful. Yep. Oh, that's great. And any other changes to health or injuries or anything? No.\n\nThat's great. And do you have private health insurance? No. Okay. And with your wife as well, is she working at the moment?\n\nYep. Okay. Because as well, it does depend on your your family income. There's something to be mindful of is because you are classified as a high income earner. So, basically, from a medical levy surcharge point, have you heard of that before?\n\nMhmm. Okay. Yeah. That's okay. And it also depends on like, there is a threshold, so you individually are over the threshold, but it counts as a family as well.\n\nSo for an individual, it's a 100 and over 101,000. But, again, like you said, there is then a tiered structure, and sometimes it's better off just paying for a cheap policy. Sometimes it's not. So, obviously, it depends. But for a family, it's 202.\n\nAnd then you do mhmm. Yeah. Yeah. And and so many people are the same. I do like to mention it because sometimes people, like, their accountant haven't told them, so they just don't know.\n\nBut it is something you're aware of, which is good. And, yeah, sometimes sometimes it's cheaper to just pay the tax, and like you said, then you don't have to worry about it. Oh, that's pretty good. Okay. Oh, that's good.\n\nAnd when it comes to estate planning, do you have a will or power of attorney or anything like that in place? Yep. Perfect. And do you know if you made a nomination for power of attorney at the same time with the will? Yep.\n\nOkay. Perfect. That's fine. But at the moment, you don't have anyone who obviously makes any financial decisions on your behalf? No.\n\nYep. Perfect. And when it comes to a beneficiary, so for your super in insurance, I have it going to Amy at a 100%. Is that still the case as well? Yep.\n\nBeautiful. And because she is your spouse, it would go tax free to her, which is great. Now, otherwise, when it comes to, I guess, goals, the stuff that you are working towards so that you are wanting to achieve, during under review is sometimes a good point to just kind of touch base and see, is that still your goals? Has anything changed? Is there anything else you're working towards?\n\nAnd last time we spoke, you were just kind of, yeah, in the middle of selling the property, moving into the new one. So that was kind of the main focus. But is there anything you guys are working towards in the next couple of years financially or non financially? Yep. Yeah.\n\nYeah. No. Beautiful. Now when it comes through superannuation as well, what I will do is just quickly run through just a bit of an updated risk profile questionnaire with you, Daniel, just to see if there is anything major that has changed, if we need to make any changes to your risk tolerance. So it's all just multiple choice again to make it nice and easy and no right or wrong answer.\n\nDoes that make sense? Yep. Perfect. Now when it comes to the level of risk that you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Yes.\n\nYep. You did. Six yep. Perfect. And would you say that how you feel about market fluctuations has changed, or would you think everything is pretty much exactly the same as last year?\n\nMhmm. So would you say you're a bit more defensive? Or and in terms of so, obviously, for superannuation, because it is a long term investment, obviously, depending on what is going on in the world. And like you touched on, the last twelve months have been quite turbulent, which is also, like, expected short term in a high growth portfolio. So at the moment, we have you in a high growth portfolio.\n\nBasically, what that means is that you are wanting to maximize growth in your super while you still have plenty of time, but also that you are comfortable with and understand that there will be ups and downs and market fluctuations depending on what is going on because you are in that kind of high high growth category. And when it comes through how your money is actually invested, we see 90% invested in a combination of your growth assets, which is your Australian shares, international shares, property, and commodities, and that is ultimately what is going to grow your super the most. But then you also have about 10% in defensive. So that is like your cash, your your gold, your fixed interest to limit fluctuations a little bit, but that 90% does go to those growth investments. Would you say that you are still comfortable with the fluctuations given the time you have until retirement, Or do you feel like you might want to look at reducing the risk a little bit for you?\n\nOr what are your thoughts? Yep. It there is a few factors that plays into into role. So what we look at is time frame. Actually, what I might do, because it may makes a bit more sense.\n\nDo you have access to your emails? Yep. So what I have done is I have to send you an email with some documents to run through, and one of those attachments does kind of talk about and show market fluctuations, which will come in handy. Yes. That is perfect.\n\nThank you for doing that. But if you could jump into it for me, and I'll just kind of talk you through the documents if you can. And then let me know the documents you can see. Yeah. Okay.\n\nPerfect. So to make it easy, you don't have to flip back and forth. We can start at this first document first, and it should show you a summary of superannuation and insurances. Let me know if you can see that one. Okay.\n\nThat's okay. If you want, I can just kind of run through it with you. And then if you wanted to download it later and have a look, you you can, if that will be easier. Okay. If you wanna start from the top, the first document should say summary of superannuation and insurances.\n\nIt should be all the way at the top. We can we can start we can start there because that's the one I kinda wanted to talk to you about. I see if that's the one that you can see first anyway. Yep. So this one here, do you remember seeing something like this before?\n\nYeah. But, basically, what it shows is the market and historically what's happened. So it basically, it's a good visual representation, and it does show you from 1995 through to 2025. And you can see kind of all the ups and downs of the market in correlation through the different events that happened in the world. Now Vanguard does release one every year, which is great, and the next one is due to come out any day now because they do it at the end of their financial year.\n\nSo what we look at when it comes through your risk profile, one of the factors is time frames. So making sure that you have enough time in the market for these kind of ups and downs. Now when it comes through your high growth portfolio, like I mentioned, 90% of those growth one, that is your top four here. So you can see your light green, which is The US shares, your darker green, which is Australian shares, international shares, which is, like, the yellow, and then your maroon color, which is, like, the property. Can you see those?\n\nYep. Yeah. So it does show you that if you look from 1995 and you just follow The US shares, you can see that that one fluctuates the most. But it also grows the most over the long term. So that's where, you know, time comes to play.\n\nAnd, typically, clients in a similar age to yourself, we see in the high growth portfolio because you have plenty of times for these fluctuations. So, yes, there will be times where things are fluctuating or things are down, but you can also see it always comes back around over the long term. It is just fluctuating kind of depending on the events of the world. You can also see kind of from this trend here that often the biggest dips in the market are quite closely followed with kind of a a steep incline again. So often where people kind of sell out when things are down, you you kind of miss that kind of comeback as well because they can happen very closely together.\n\nDoes that make sense? Yep. Perfect. And in a high growth, we do ideally want to see at least eight years until retirement, making sure you have enough time for these kind of fluctuations. So from a time frame point of view, you are in a good position in that high growth.\n\nBut aside from, obviously, time, it's also what you are comfortable with. So yeah. I mean, you might be able to. You just can't get your super yet. But if you win the lottery, you might be able to stop working.\n\nBut Super is locked in until 60, at least, for now. So, yes, it's also the fluctuations. So if you see a short term down, things on as, you know, fluctuating a lot more, If it was something you kept an eye on a lot, you might see throughout the year a bit of those fluctuations. If that is something that you are concerned about, then we could look at reducing the risk for you. But if you feel like well, as long as long term, it continues to grow and move forward, then a high growth portfolio is suitable at least from a time frame in where you sit.\n\nSo there's kind of, like, the different components. Yes. Yep. Perfect. Now where you are in the documents, if you scroll up, can you see what document can you see?\n\nThere is six documents, but some of them have a few different pages. Sorry. They should Yep. Yep. Yes.\n\nIf you wanna stop there, for example, we can talk about that one. So the performance with IRR, it shows you your portfolio over the last twelve months. So, obviously, like you touched on, we have seen a bit of fluctuations in the market over the last twelve months. Now in saying that though, when it comes to your superannuation balance, I know you said you thought that maybe things haven't grown, and you are still ahead from last year. So when we spoke last year, your super balance was at a 129,011, and now it's up at a 143,503.\n\nSo despite fluctuations, it's still growing, which is good. In saying that though, I do want to look at potentially changing one of your investments. So if you are in this document, can you see the second column to the right where it says internal rate of return? Yes? Okay.\n\nPerfect. You see, like, the percentage? Like, the numbers? Yep. So what this is, it represents in the last twelve months the performance on each of your individual investments.\n\nSo the one at the top that has the bracket next to it, that is underperforming a bit at the moment. So that one is down, and that is the one I would like to look at potentially changing for you in making sure that we always have you in the best options moving forward because things are always changing. So the good thing with HUB twenty four is that there's hundreds of different options for us to choose from, and things aren't always going to stay the same. So with your super, as much as we don't day trade, we invest in the long term. At the same time, we do wanna take that proactive approach.\n\nAnd if we foresee one investment being a little bit slower or might not the best option or there's better alternatives out there, then we wanna make sure that we do the research and potentially look at changing things for you. Does that make sense? Yeah. So I would have to do all the research for you first and put it together in a proposal, but the one that I am looking at investing I'll I'll look at all of it, but the one that I am particularly interested is in your top one because that is the one that is underperforming every correct. Correct.\n\nThe Benelon. Yeah. So that is the one you can see on the percentage column here that that one is down. Everything else you can see are doing pretty good. Correct.\n\nIt is hard to tell, so because things do fluctuate. So sometimes when an investment is down, we might not want to change it because things like in that graph we saw, things come back around. But if we kind of do extensive research on an investment and we foresee things being a bit slower, so we've been along how that one is a little bit different to your other investments is that they are actively buying and selling different investments. So and they have been very successful in doing so. But more recently, they've been a little bit slower in making their decisions, and one of the reasons why they are also down at the moment is that one of the investments that they have in their portfolio is the Corporate Travel Group.\n\nHave you ever heard of them? No. So, essentially, that company had a bit of issues with that reporting, which actually meant that everything was put on pause. So they can't trade. They can't do anything.\n\nSo because it's kind of just on pause, you things are dropping. So the good thing is that we can get you out of Bennelong because you are not invested in that particular company. So, obviously, the returns on Bennelong is has been impacted because of the company they had in their portfolio, but that doesn't mean that you are tied to it. So we can switch you out of Bennelong if we find better options. So what I will do as part of my research is considering your whole portfolio as a whole, the asset allocation, because we wanna still make sure everything is diversified and aligned for you.\n\nBut if there is anyone that has performed better than Benelon, and that might even be a little bit cheaper, for example. Yeah. That was probably a long answer, but there is a lot that goes into it. And it doesn't cost you anything extra. It's all part of the service, and we do look at the investments all the time.\n\nAnd we wanna make sure that if there is something that is lagging a little bit, we don't obviously there's nothing tying us to Bennelong or anything else. So if there's better options out there that we can put you in to make sure that your super grows more, and that's a bit more kind of stable moving forward, then we wanna do the research and look if that is going to be the best option for you. Yeah. Yeah. Perfect.\n\nBut, otherwise, you can see that some of the investments have been pretty crazy. You can see that there is one that's Asia fifty that has gone up about 47%, which is crazy. So there's a bit of a mix even though you are in that high growth portfolio. But I'll go and do some research on the investments to see if we want to make any changes for you. Yep.\n\nPerfect. Now what are the other documents you can see? Yep. Yep. So certificate of currency breaks down your insurances in a bit more info in a bit more detail.\n\nEssentially, when it comes to your insurances, you have three policies. So you have your life and your total permanent disability. Now at the moment, you are covered for 596,166. With your total permanent disability as well, because you are in the insurance mind in a bit of a riskier occupation, you do have that other definition through the total permanent disability. So it is little bit stricter definition, and you have to meet the terms of kind of being, impaired and severe severely disabled in order to get the payout for the total permanent disability.\n\nDo you remember kind of going through that a little bit last year as well? Yep. Perfect. Now with your life and TPD, do you have any questions? Do you feel like those amounts are still appropriate for you?\n\nYep. Yep. Perfect. And with your income protection, because you do have an income protection policy as well, that will pay you a monthly amount of 6,160 per month, which is good. You do have that ninety day waiting period, a two year benefit period.\n\nAll three are paid from within hub twenty four. You do get a 15% tax rebate. And after that, the total premium for all three is 1,581. Do you have any questions in regards to the income protection at all? From a price point of view, it is actually a little bit cheaper, and that is because it is a stricter definition on the total permanent disability.\n\nSo downside is a little bit harder to claim on, but then they do make it cheaper because of it. So, otherwise, when it comes through the amount of cover you have for for your age and especially occupation, because they do assess the base on occupation, it is quite competitive from a price point of view. With the income protection, the one thing you do also want to be mindful of is that, obviously, as your income change, you wanna make sure that still aligns with you or at least covers bills and expenses. So let me just check here. So with income protection, you can get up to 70% of your income covered.\n\nNow if your income is a 156, and that is pretty consistent, so insurance can assess bonuses and overtime if it's quite consistent. If it fluctuates a lot, sometimes they only assess your your base rate. But if we assume a 156,000 at 70%, that could give you 9,100 per month. At the moment, you are covered for 6,160. So there is a bit of a gap.\n\nIt doesn't mean that you have to increase it. Just something to be mindful of because at the same time, by increasing the cover, it means it costs more. But then at the same time, you also need to be mindful of, well, will 6,160 be okay for you and the family financially if you temporarily are unable to work? Yep. The one thing as well, so if you are wanting to look at potentially increasing, because an insurer's mind, they take on more risk.\n\nThey'd have to go through that whole underwriting process again. And even though things are good for you at the moment with this stent and the time frame, they might not be able to look at it yet. But it yeah. Okay. If anything changes though, you can always let us know.\n\nIt doesn't have to be on review. We can review it whenever you want to. Yeah. Okay. Perfect.\n\nNow, otherwise, basically, the last documents and you don't really have to see them. They are that if you want to go back, there was a new Oakview services guide. One of those documents you would have seen a couple of times, just all the important information in regards to us here at Oakview. And then that ongoing service agreement, the one that you did sign, just so you know, that was obviously to say that you are happy to stay on as a client. Now the fee structure hasn't changed.\n\nIt stays exactly the same for you at that 1.65 from super, and it is also not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But by signing that, otherwise, it just allows us to manage all your investments and everything else for you in the meantime. Do you have any questions in regards to any of those documents? So that's pretty straightforward.\n\nYep. Okay. Perfect. So what I might do while I do have you on the phone is just to book in the follow-up score when I've done the research on your investments to see if we wanna potentially make some changes. So it will take me about a week to pull together all the research.\n\nSo when is a good time for you to kind of run through that? And it shouldn't take as long as today. Next Friday. I don't work Fridays, unfortunately. Do you you have any other times during the week?\n\nOkay. Let me have a little look here. Now I am fully booked, let me see, on this Monday, but I could do the following Monday on the August 31, if that works. Yep. Okay.\n\nNow at the moment, I could do either 1PM or three PM. Would either of those work? 1PM? Okay. Beautiful.\n\nActually, could I do 01:30? Yes? Okay. Well, I will book that in on Monday, August 31, which is crazy that it's at the end of August already, for the presentation to go over if we do wanna make any changes to your investments. Now if anything does change and you can't make the appointment, just let me know and we can always get you rescheduled.\n\nBut, otherwise, that is all booked in on Monday, August 31 at 01:30. Yep. Beautiful. Now, Daniel, do you have any other questions for me, otherwise, before I let you go and get on with your day? No?\n\nYeah. Beautiful. What's that? Yes. I think so.\n\nAnd part of the research, I'll I can go through and do kind of new updated projections and everything as well just to see how things are tracking. But from, obviously, age, you are in a good position. And when I do, obviously, it it comes down to how much if you're making extra contributions, how much you're getting from your employer. Because you are a high income earner, you are getting a decent amount from your employer already. Everyone is quite individual and depends on how long you've been working.\n\nBut when I do kind of just look at how much you have in Super versus other clients in a similar age to you, you are sitting in a good position. Yeah. Which is which is good. But, yes, I'll go through things a little bit more detail on Monday the thirty first with you as well with those investments and stuff. Yep.\n\nBeautiful. Well, thank you so much for your time this morning, Daniel, and I look forward to speaking with you at 01:30 on Monday the thirty first. No worries. We're fixing. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Daniel.","start":2.48,"end":3.4399998,"sentiment":"positive","sentiment_score":0.42684383193651837},{"text":"This is Veronica from x u Financial.","start":3.4399998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2991885670593807},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2212488055229187},{"text":"I'm good.","start":7.7599998,"end":8.4,"sentiment":"positive","sentiment_score":0.5244447290897369},{"text":"Thanks.","start":8.4,"end":8.9,"sentiment":"positive","sentiment_score":0.6202083826065063}],"sentiment":"positive","sentiment_score":0.35673098266124725,"num_words":16,"start":2.48,"end":8.9},{"sentences":[{"text":"I had you booked in this morning to go over your under review.","start":9.36,"end":12.24,"sentiment":"positive","sentiment_score":0.3440760374069214},{"text":"Is now still a good time for you?","start":12.24,"end":13.875,"sentiment":"neutral","sentiment_score":0.3104863539338112},{"text":"Yep.","start":15.235,"end":15.735,"sentiment":"neutral","sentiment_score":0.2804310619831085},{"text":"Perfect.","start":15.875,"end":16.375,"sentiment":"positive","sentiment_score":0.45377835631370544},{"text":"Now just before I do go any further, I just need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay with you.","start":16.835,"end":24.535,"sentiment":"neutral","sentiment_score":0.059915043233383085}],"sentiment":"neutral","sentiment_score":0.17682324215355846,"num_words":54,"start":9.36,"end":24.535},{"sentences":[{"text":"Yep.","start":25.795,"end":26.275,"sentiment":"neutral","sentiment_score":0.1314973682165146},{"text":"Perfect.","start":26.275,"end":26.775,"sentiment":"neutral","sentiment_score":0.2727234959602356},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start":26.96,"end":35.94,"sentiment":"neutral","sentiment_score":0.09720997015635173},{"text":"Yep.","start":40.185,"end":40.685,"sentiment":"neutral","sentiment_score":0.030182629823684692},{"text":"Yep.","start":42.105003,"end":42.345,"sentiment":"neutral","sentiment_score":0.09004342555999756}],"sentiment":"neutral","sentiment_score":0.10087502526270377,"num_words":37,"start":25.795,"end":42.345},{"sentences":[{"text":"Perfect.","start":42.345,"end":42.745003,"sentiment":"neutral","sentiment_score":0.30506423115730286},{"text":"And how's your morning been?","start":42.745003,"end":43.945,"sentiment":"neutral","sentiment_score":0.11315686106681824},{"text":"Been busy?","start":43.945,"end":44.685,"sentiment":"neutral","sentiment_score":0.012216324917972088},{"text":"Yeah.","start":46.745003,"end":47.245003,"sentiment":"neutral","sentiment_score":-0.018069826066493988},{"text":"Oh, yeah.","start":50.345,"end":51.065002,"sentiment":"neutral","sentiment_score":-0.0027965595945715904}],"sentiment":"neutral","sentiment_score":0.07923802191560919,"num_words":11,"start":42.345,"end":51.065002},{"sentences":[{"text":"Hopefully, nothing nothing too bad.","start":51.065002,"end":52.925003,"sentiment":"neutral","sentiment_score":0.0048228830099105845},{"text":"Well, I will try not to keep you for too long this morning.","start":55.04,"end":57.78,"sentiment":"neutral","sentiment_score":-0.017102810482566174},{"text":"But before I kind of get started onto things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see where everything's at.","start":58.4,"end":71.715004,"sentiment":"neutral","sentiment_score":0.02511234047751014},{"text":"Yeah.","start":77.535,"end":78.035,"sentiment":"neutral","sentiment_score":0.03837517276406288},{"text":"No.","start":78.095,"end":78.33501,"sentiment":"neutral","sentiment_score":0.05683642625808716}],"sentiment":"neutral","sentiment_score":0.016705988647623196,"num_words":72,"start":51.065002,"end":78.33501},{"sentences":[{"text":"That is no worries.","start":78.33501,"end":79.215004,"sentiment":"neutral","sentiment_score":0.09698841534554958},{"text":"So the annual review is a really good kind of touch point for kind of what's happened in the last twelve months and where is everything is at.","start":79.215004,"end":85.85,"sentiment":"neutral","sentiment_score":0.20163213621292794},{"text":"So we'll definitely go through that today.","start":85.85,"end":88.03,"sentiment":"neutral","sentiment_score":0.261221992118018},{"text":"Now what I might do first is just quickly run through just a bit of an updated fact find with you just to see if there is anything major that has changed, if we need to make any changes to your advice.","start":88.65,"end":99.245,"sentiment":"neutral","sentiment_score":0.049929872066492124},{"text":"So just kind of bear with me as I run through this quickly.","start":99.945,"end":102.845,"sentiment":"neutral","sentiment_score":0.04881648891247236}],"sentiment":"neutral","sentiment_score":0.11270081279601188,"num_words":94,"start":78.33501,"end":102.845},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents.","start":104.105,"end":110.525,"sentiment":"neutral","sentiment_score":0.014697630252493056},{"text":"Is that correct?","start":110.665,"end":111.45,"sentiment":"neutral","sentiment_score":0.03371271615227064},{"text":"Yep.","start":112.81,"end":113.21,"sentiment":"positive","sentiment_score":0.4475513696670532},{"text":"Beautiful.","start":113.21,"end":113.71,"sentiment":"positive","sentiment_score":0.7223021984100342},{"text":"And next up, Ken, I have Amy Lee nominated.","start":113.77,"end":116.75,"sentiment":"neutral","sentiment_score":0.306054961350229}],"sentiment":"neutral","sentiment_score":0.13044670737828268,"num_words":33,"start":104.105,"end":116.75},{"sentences":[{"text":"That's correct as well?","start":116.89,"end":118.27,"sentiment":"neutral","sentiment_score":0.2192007228732109},{"text":"Yep.","start":119.28999,"end":119.689995,"sentiment":"neutral","sentiment_score":0.1072813719511032},{"text":"Perfect.","start":119.689995,"end":120.17,"sentiment":"positive","sentiment_score":0.3802330195903778},{"text":"And phone number ending in 817, that hasn't changed?","start":120.17,"end":123.95,"sentiment":"neutral","sentiment_score":0.058808394604259066},{"text":"Yep.","start":125.369995,"end":125.77,"sentiment":"neutral","sentiment_score":0.03497595712542534}],"sentiment":"neutral","sentiment_score":0.1205355494748801,"num_words":16,"start":116.89,"end":125.77},{"sentences":[{"text":"Yep.","start":125.77,"end":126.09,"sentiment":"neutral","sentiment_score":0.0620882473886013},{"text":"Perfect.","start":126.09,"end":126.59,"sentiment":"neutral","sentiment_score":0.17856842279434204},{"text":"Now when it comes to your employment, has any of that changed?","start":127.155,"end":130.755,"sentiment":"neutral","sentiment_score":0.01901997982834776},{"text":"Are you still working as a coal miner?","start":130.755,"end":132.935,"sentiment":"neutral","sentiment_score":-0.004153872781898826},{"text":"Yep.","start":134.595,"end":134.995,"sentiment":"neutral","sentiment_score":0.05613718181848526}],"sentiment":"neutral","sentiment_score":0.02138272294288744,"num_words":23,"start":125.77,"end":134.995},{"sentences":[{"text":"Perfect.","start":134.995,"end":135.475,"sentiment":"neutral","sentiment_score":0.13071100413799286},{"text":"Same company, everything as well?","start":135.475,"end":137.41501,"sentiment":"neutral","sentiment_score":0.07091616243124008},{"text":"Yeah.","start":138.275,"end":138.775,"sentiment":"neutral","sentiment_score":0.12768949568271637},{"text":"Great.","start":139.555,"end":140.055,"sentiment":"neutral","sentiment_score":0.32488545775413513},{"text":"Now income wise, I have here about 130,000.","start":140.115,"end":146.1,"sentiment":"neutral","sentiment_score":0.09201436536386609}],"sentiment":"neutral","sentiment_score":0.10462385579012334,"num_words":16,"start":134.995,"end":146.1},{"sentences":[{"text":"Do you know if that's correct?","start":146.32,"end":148.74,"sentiment":"neutral","sentiment_score":0.031150662961105507},{"text":"Mhmm.","start":152.0,"end":152.5,"sentiment":"neutral","sentiment_score":0.013116488233208656},{"text":"How much do you think?","start":153.12001,"end":154.5,"sentiment":"neutral","sentiment_score":-0.00245044007897377},{"text":"Yeah.","start":158.825,"end":159.145,"sentiment":"neutral","sentiment_score":0.14947858452796936},{"text":"Perfect.","start":159.145,"end":159.625,"sentiment":"positive","sentiment_score":0.3608902990818024}],"sentiment":"neutral","sentiment_score":0.04986693922962461,"num_words":14,"start":146.32,"end":159.625},{"sentences":[{"text":"Thank you.","start":159.625,"end":160.36499,"sentiment":"positive","sentiment_score":0.36499106884002686},{"text":"Yep.","start":192.855,"end":193.33499,"sentiment":"neutral","sentiment_score":0.10433154553174973},{"text":"Perfect.","start":193.33499,"end":193.83499,"sentiment":"neutral","sentiment_score":0.19606506824493408},{"text":"And does that include, like, bonuses?","start":194.455,"end":197.435,"sentiment":"neutral","sentiment_score":0.07106337944666545},{"text":"Is that pretty consistent?","start":197.735,"end":199.11499,"sentiment":"neutral","sentiment_score":0.05257706344127655}],"sentiment":"neutral","sentiment_score":0.11907623442155975,"num_words":14,"start":159.625,"end":199.11499},{"sentences":[{"text":"Yes.","start":200.47,"end":200.97,"sentiment":"neutral","sentiment_score":0.05578532814979553},{"text":"Okay.","start":201.35,"end":201.83,"sentiment":"neutral","sentiment_score":0.025719039142131805},{"text":"And do you think you would be roughly on past for that this financial year?","start":201.83,"end":206.25,"sentiment":"neutral","sentiment_score":0.003503415547311306},{"text":"Yep.","start":207.75,"end":208.25,"sentiment":"neutral","sentiment_score":0.040653035044670105},{"text":"Alright.","start":208.39,"end":208.79001,"sentiment":"neutral","sentiment_score":0.08281634747982025}],"sentiment":"neutral","sentiment_score":0.013553946475057225,"num_words":19,"start":200.47,"end":208.79001},{"sentences":[{"text":"Perfect.","start":208.79001,"end":209.29001,"sentiment":"neutral","sentiment_score":0.1187804788351059},{"text":"And your employer pays superannuation contributions on that full amount?","start":209.35,"end":214.645,"sentiment":"neutral","sentiment_score":0.024773569963872432},{"text":"Yeah.","start":219.185,"end":219.685,"sentiment":"neutral","sentiment_score":-0.025493040680885315},{"text":"Because I I had here no.","start":223.745,"end":226.065,"sentiment":"neutral","sentiment_score":-0.07163197671373685},{"text":"That's okay.","start":226.065,"end":226.865,"sentiment":"neutral","sentiment_score":-0.0018129674717783928}],"sentiment":"neutral","sentiment_score":-0.00461973287165165,"num_words":20,"start":208.79001,"end":226.865},{"sentences":[{"text":"Because I had here as well that you have so last time we spoke, we we had your base income, which was at about 70, and then your full income was a 130, but that the employer contribution was only paid on your base, not overtime.","start":226.865,"end":246.325,"sentiment":"neutral","sentiment_score":-0.006066537421682607},{"text":"But then if you do get bonuses, then you tend to get contributions on your bonus as well.","start":246.545,"end":251.125,"sentiment":"neutral","sentiment_score":0.07456708492504226},{"text":"Mhmm.","start":256.625,"end":256.705,"sentiment":"neutral","sentiment_score":0.15968981385231018},{"text":"That'll be great.","start":256.705,"end":257.73,"sentiment":"positive","sentiment_score":0.6652642488479614},{"text":"And what would that equate to for your income?","start":285.3,"end":288.02,"sentiment":"neutral","sentiment_score":0.015320797140399614}],"sentiment":"neutral","sentiment_score":0.04359112392095002,"num_words":77,"start":226.865,"end":288.02},{"sentences":[{"text":"Do you know?","start":288.02,"end":288.84,"sentiment":"neutral","sentiment_score":-0.0027453132594625154},{"text":"More so just so, obviously, if you said on your thirty five hours, but, obviously, your 156,000 would be more than that.","start":299.605,"end":309.525,"sentiment":"neutral","sentiment_score":-0.01214454352686351},{"text":"So out of the 156, do you know what portion is classified as your ordinary earnings?","start":309.525,"end":315.38998,"sentiment":"neutral","sentiment_score":-0.0045483501453418285},{"text":"70?","start":319.05,"end":319.55,"sentiment":"neutral","sentiment_score":-0.0007835011929273605},{"text":"Okay.","start":320.25,"end":320.75,"sentiment":"neutral","sentiment_score":0.05909848213195801}],"sentiment":"neutral","sentiment_score":-0.006741267878042404,"num_words":43,"start":288.02,"end":320.75},{"sentences":[{"text":"Yep.","start":320.88998,"end":321.37,"sentiment":"neutral","sentiment_score":0.11187782883644104},{"text":"Perfect.","start":321.37,"end":321.87,"sentiment":"positive","sentiment_score":0.3589842915534973},{"text":"So I can also triple check it in your superannuation as well.","start":321.93,"end":328.645,"sentiment":"neutral","sentiment_score":0.16793232783675194},{"text":"I can go through the transactions and just triple check that for you.","start":328.645,"end":332.185,"sentiment":"neutral","sentiment_score":0.06698246973638351},{"text":"Yeah.","start":332.965,"end":333.465,"sentiment":"neutral","sentiment_score":0.03722874075174332}],"sentiment":"neutral","sentiment_score":0.12121610363413181,"num_words":28,"start":320.88998,"end":333.465},{"sentences":[{"text":"Yep.","start":334.32498,"end":334.645,"sentiment":"neutral","sentiment_score":0.09396661818027496},{"text":"Perfect.","start":334.645,"end":335.145,"sentiment":"neutral","sentiment_score":0.2264328896999359},{"text":"And with the contribution minimum now, so that EBA might be a little bit outdated or potentially, like, the last two financial years because the minimum now is 12%.","start":335.845,"end":347.77,"sentiment":"neutral","sentiment_score":-0.010179521965569463},{"text":"So that is up.","start":348.47,"end":349.69,"sentiment":"neutral","sentiment_score":-0.0007461791392415762},{"text":"Yeah.","start":353.10498,"end":353.425,"sentiment":"neutral","sentiment_score":0.13322842121124268}],"sentiment":"neutral","sentiment_score":0.004317696542582578,"num_words":36,"start":334.32498,"end":353.425},{"sentences":[{"text":"Perfect.","start":353.425,"end":353.905,"sentiment":"neutral","sentiment_score":0.3256548047065735},{"text":"So that is good.","start":353.905,"end":354.705,"sentiment":"positive","sentiment_score":0.4186016544699669},{"text":"At least I paid up standard 12, and that is on your base of thirty five hours.","start":354.705,"end":360.245,"sentiment":"neutral","sentiment_score":0.22469882754718556},{"text":"That is no problem.","start":360.38498,"end":361.845,"sentiment":"neutral","sentiment_score":0.19350937008857727},{"text":"Otherwise, you are not making additional contributions.","start":362.465,"end":365.04498,"sentiment":"neutral","sentiment_score":0.04141388061855521}],"sentiment":"neutral","sentiment_score":0.20860230713856942,"num_words":33,"start":353.425,"end":365.04498},{"sentences":[{"text":"Is that start from your employer?","start":365.185,"end":366.725,"sentiment":"neutral","sentiment_score":-0.0027649618374804654},{"text":"Yep.","start":370.04,"end":370.54,"sentiment":"neutral","sentiment_score":-0.03282194957137108},{"text":"Yep.","start":371.24,"end":371.63998,"sentiment":"neutral","sentiment_score":-0.015512622892856598},{"text":"No.","start":371.63998,"end":371.88,"sentiment":"neutral","sentiment_score":-0.16554255783557892},{"text":"That is all void.","start":371.88,"end":373.1,"sentiment":"neutral","sentiment_score":-0.267702579498291}],"sentiment":"neutral","sentiment_score":-0.10009824763983488,"num_words":13,"start":365.185,"end":373.1},{"sentences":[{"text":"And when it comes to your assets, so last time we spoke, you just sold the property and bought a new one.","start":373.72,"end":380.69998,"sentiment":"neutral","sentiment_score":-0.03866267949342728},{"text":"And I think I have the new one here.","start":382.585,"end":384.425,"sentiment":"neutral","sentiment_score":0.04082880438201957},{"text":"It was valued at about 875,000.","start":384.425,"end":387.405,"sentiment":"neutral","sentiment_score":0.027667838148772717},{"text":"Does that sound about right?","start":387.465,"end":388.925,"sentiment":"neutral","sentiment_score":0.015267794951796532},{"text":"Yep.","start":390.34497,"end":390.745,"sentiment":"neutral","sentiment_score":0.06137784570455551}],"sentiment":"neutral","sentiment_score":-0.004171996745605802,"num_words":43,"start":373.72,"end":390.745},{"sentences":[{"text":"Perfect.","start":390.745,"end":391.245,"sentiment":"neutral","sentiment_score":0.1779494285583496},{"text":"And mortgage, I have about 6 20.","start":391.465,"end":399.79,"sentiment":"neutral","sentiment_score":0.019228339062205384},{"text":"How much do you reckon roughly?","start":399.79,"end":403.01,"sentiment":"neutral","sentiment_score":0.009424731135368347},{"text":"Perfect.","start":407.87003,"end":408.37003,"sentiment":"positive","sentiment_score":0.44360220432281494},{"text":"10.","start":408.92502,"end":409.42502,"sentiment":"neutral","sentiment_score":0.15813399851322174}],"sentiment":"neutral","sentiment_score":0.06067702447762713,"num_words":16,"start":390.745,"end":409.42502},{"sentences":[{"text":"Now I also have here True Motor Vehicles combined value at about 25,000.","start":409.96503,"end":415.105,"sentiment":"neutral","sentiment_score":0.1301688253879547},{"text":"Yep.","start":418.285,"end":418.785,"sentiment":"neutral","sentiment_score":0.046661458909511566},{"text":"And I had here as well that you had finance on the cost, but that was included in the mortgage.","start":419.885,"end":425.65,"sentiment":"neutral","sentiment_score":0.028692336985841393},{"text":"Yep.","start":427.38998,"end":427.88998,"sentiment":"neutral","sentiment_score":0.03311367332935333},{"text":"Yep.","start":429.31,"end":429.78998,"sentiment":"neutral","sentiment_score":0.08072332292795181}],"sentiment":"neutral","sentiment_score":0.06740388680352932,"num_words":36,"start":409.96503,"end":429.78998},{"sentences":[{"text":"Perfect.","start":429.78998,"end":430.28998,"sentiment":"neutral","sentiment_score":0.20389947295188904},{"text":"Yep.","start":430.91,"end":431.41,"sentiment":"neutral","sentiment_score":0.04593345150351525},{"text":"Also, sure.","start":432.27,"end":435.48502,"sentiment":"neutral","sentiment_score":0.006809559650719166},{"text":"Yeah.","start":435.48502,"end":435.805,"sentiment":"neutral","sentiment_score":0.017134476453065872},{"text":"No worries.","start":435.805,"end":436.465,"sentiment":"neutral","sentiment_score":0.026309502311050892}],"sentiment":"neutral","sentiment_score":0.04760078926171575,"num_words":7,"start":429.78998,"end":436.465},{"sentences":[{"text":"All good, Danielle.","start":438.685,"end":439.585,"sentiment":"positive","sentiment_score":0.4021753668785095},{"text":"No.","start":501.37,"end":501.87,"sentiment":"neutral","sentiment_score":-0.053068384528160095},{"text":"That's okay.","start":503.21,"end":503.77,"sentiment":"neutral","sentiment_score":0.09364191256463528},{"text":"Take your time.","start":503.77,"end":504.67,"sentiment":"neutral","sentiment_score":0.24535401662190756},{"text":"No.","start":506.33,"end":506.57,"sentiment":"neutral","sentiment_score":0.08055417239665985}],"sentiment":"neutral","sentiment_score":0.21573577634990215,"num_words":10,"start":438.685,"end":506.57},{"sentences":[{"text":"All good.","start":506.57,"end":507.31,"sentiment":"neutral","sentiment_score":0.19873183965682983},{"text":"No worries.","start":587.81,"end":588.55,"sentiment":"neutral","sentiment_score":0.07610920071601868},{"text":"Now let me see here.","start":590.355,"end":593.255,"sentiment":"neutral","sentiment_score":0.03087344951927662},{"text":"Any other assets, though, I have cash in the bank about 4,000.","start":595.15497,"end":598.535,"sentiment":"neutral","sentiment_score":0.014568203051264087},{"text":"Yeah.","start":603.38,"end":603.62,"sentiment":"neutral","sentiment_score":-0.01132989302277565}],"sentiment":"neutral","sentiment_score":0.03943353963338516,"num_words":22,"start":506.57,"end":603.62},{"sentences":[{"text":"It's not all good.","start":603.62,"end":605.08,"sentiment":"neutral","sentiment_score":-0.11119923181831837},{"text":"Any other new assets, like any motorbikes or boats or anything else?","start":605.14,"end":609.8,"sentiment":"neutral","sentiment_score":-0.041654505766928196},{"text":"No.","start":611.38,"end":611.88,"sentiment":"neutral","sentiment_score":-0.16055616736412048},{"text":"No.","start":612.82,"end":613.155,"sentiment":"neutral","sentiment_score":-0.055147260427474976},{"text":"Perfect.","start":613.395,"end":613.875,"sentiment":"neutral","sentiment_score":0.038156479597091675}],"sentiment":"neutral","sentiment_score":-0.05906304971952187,"num_words":19,"start":603.62,"end":613.875},{"sentences":[{"text":"And any other liabilities, like personal loans, credit cards, ZipPay?","start":613.875,"end":618.215,"sentiment":"neutral","sentiment_score":-0.00813723737373948},{"text":"No.","start":620.835,"end":621.335,"sentiment":"neutral","sentiment_score":-0.07147089391946793},{"text":"Yep.","start":622.275,"end":622.67505,"sentiment":"neutral","sentiment_score":0.0245099775493145},{"text":"Perfect.","start":622.67505,"end":623.17505,"sentiment":"neutral","sentiment_score":0.1458858847618103},{"text":"And when it comes to health and life style, I have you down here as a nonsmoker.","start":624.195,"end":628.63995,"sentiment":"neutral","sentiment_score":0.014753997654599301}],"sentiment":"neutral","sentiment_score":0.008945685159415007,"num_words":30,"start":613.875,"end":628.63995},{"sentences":[{"text":"That's still the case?","start":628.86,"end":629.92,"sentiment":"neutral","sentiment_score":-0.02893540821969509},{"text":"Yep.","start":631.25995,"end":631.75995,"sentiment":"neutral","sentiment_score":0.10171209275722504},{"text":"Perfect.","start":632.06,"end":632.56,"sentiment":"neutral","sentiment_score":0.22574953734874725},{"text":"And in regards to your health, I know that, again, last time we spoke, you were off work for about a month or so, had a stent put in, but you kind of just were getting back to work.","start":632.93994,"end":646.685,"sentiment":"neutral","sentiment_score":0.00579478798690849},{"text":"How is that all going?","start":647.305,"end":648.765,"sentiment":"neutral","sentiment_score":0.040562715381383896}],"sentiment":"neutral","sentiment_score":0.01281060611247085,"num_words":50,"start":628.86,"end":648.765},{"sentences":[{"text":"Oh, beautiful.","start":652.96,"end":653.62006,"sentiment":"neutral","sentiment_score":0.2271348461508751},{"text":"Yep.","start":656.4,"end":656.9,"sentiment":"positive","sentiment_score":0.42293256521224976},{"text":"Oh, that's great.","start":656.96,"end":657.84,"sentiment":"positive","sentiment_score":0.6983777483304342},{"text":"And any other changes to health or injuries or anything?","start":657.84,"end":662.66003,"sentiment":"neutral","sentiment_score":0.18033317252993583},{"text":"No.","start":665.705,"end":665.945,"sentiment":"neutral","sentiment_score":0.18539685010910031}],"sentiment":"neutral","sentiment_score":0.2918272987008095,"num_words":17,"start":652.96,"end":665.945},{"sentences":[{"text":"That's great.","start":665.945,"end":666.765,"sentiment":"positive","sentiment_score":0.44097331166267395},{"text":"And do you have private health insurance?","start":667.78503,"end":669.645,"sentiment":"neutral","sentiment_score":0.045824586147708554},{"text":"No.","start":672.10504,"end":672.60504,"sentiment":"neutral","sentiment_score":-0.012939730659127235},{"text":"Okay.","start":672.825,"end":673.325,"sentiment":"neutral","sentiment_score":0.013230394572019575},{"text":"And with your wife as well, is she working at the moment?","start":674.905,"end":681.47,"sentiment":"neutral","sentiment_score":0.012969910632818937}],"sentiment":"neutral","sentiment_score":0.059071665994175106,"num_words":23,"start":665.945,"end":681.47},{"sentences":[{"text":"Yep.","start":683.44995,"end":683.85,"sentiment":"neutral","sentiment_score":0.07083964347839355},{"text":"Okay.","start":683.85,"end":684.35,"sentiment":"neutral","sentiment_score":0.055237047374248505},{"text":"Because as well, it does depend on your your family income.","start":685.05,"end":689.76996,"sentiment":"neutral","sentiment_score":0.038719719614494934},{"text":"There's something to be mindful of is because you are classified as a high income earner.","start":689.76996,"end":696.375,"sentiment":"neutral","sentiment_score":0.021446837694384158},{"text":"So, basically, from a medical levy surcharge point, have you heard of that before?","start":697.315,"end":703.415,"sentiment":"neutral","sentiment_score":0.011584069446793624}],"sentiment":"neutral","sentiment_score":0.02458883679017078,"num_words":43,"start":683.44995,"end":703.415},{"sentences":[{"text":"Mhmm.","start":707.01,"end":707.51,"sentiment":"neutral","sentiment_score":0.0014598006382584572},{"text":"Okay.","start":710.21,"end":710.71,"sentiment":"neutral","sentiment_score":0.02197130024433136},{"text":"Yeah.","start":711.09,"end":711.59,"sentiment":"neutral","sentiment_score":0.030301475897431377},{"text":"That's okay.","start":713.65,"end":714.55005,"sentiment":"neutral","sentiment_score":-0.004867406561970711},{"text":"And it also depends on like, there is a threshold, so you individually are over the threshold, but it counts as a family as well.","start":714.61005,"end":722.715,"sentiment":"neutral","sentiment_score":0.02381443530321121}],"sentiment":"neutral","sentiment_score":0.021311954874545336,"num_words":30,"start":707.01,"end":722.715},{"sentences":[{"text":"So for an individual, it's a 100 and over 101,000.","start":724.055,"end":729.91504,"sentiment":"neutral","sentiment_score":0.03715004548430443},{"text":"But, again, like you said, there is then a tiered structure, and sometimes it's better off just paying for a cheap policy.","start":730.135,"end":738.12,"sentiment":"neutral","sentiment_score":-0.023323491554368626},{"text":"Sometimes it's not.","start":738.26,"end":739.22,"sentiment":"neutral","sentiment_score":-0.04181934396425883},{"text":"So, obviously, it depends.","start":739.22,"end":740.44,"sentiment":"neutral","sentiment_score":0.007810246665030718},{"text":"But for a family, it's 202.","start":741.46,"end":744.92,"sentiment":"neutral","sentiment_score":0.048717000832160316}],"sentiment":"neutral","sentiment_score":0.0012548577868276172,"num_words":45,"start":724.055,"end":744.92},{"sentences":[{"text":"And then you do mhmm.","start":745.46,"end":747.4,"sentiment":"neutral","sentiment_score":0.048811955377459526},{"text":"Yeah.","start":748.305,"end":748.805,"sentiment":"neutral","sentiment_score":0.07527191936969757},{"text":"Yeah.","start":755.185,"end":755.425,"sentiment":"neutral","sentiment_score":0.10198937356472015},{"text":"And and so many people are the same.","start":755.425,"end":757.745,"sentiment":"neutral","sentiment_score":0.09737635962665081},{"text":"I do like to mention it because sometimes people, like, their accountant haven't told them, so they just don't know.","start":757.745,"end":764.13,"sentiment":"neutral","sentiment_score":0.09378448608331383}],"sentiment":"neutral","sentiment_score":0.08788633338574853,"num_words":35,"start":745.46,"end":764.13},{"sentences":[{"text":"But it is something you're aware of, which is good.","start":765.41003,"end":767.89,"sentiment":"neutral","sentiment_score":0.20947787463665007},{"text":"And, yeah, sometimes sometimes it's cheaper to just pay the tax, and like you said, then you don't have to worry about it.","start":767.89,"end":774.79,"sentiment":"neutral","sentiment_score":0.1614449088988097},{"text":"Oh, that's pretty good.","start":782.11505,"end":782.99506,"sentiment":"positive","sentiment_score":0.6552631705999374},{"text":"Okay.","start":782.99506,"end":783.395,"sentiment":"positive","sentiment_score":0.35757702589035034},{"text":"Oh, that's good.","start":783.395,"end":784.215,"sentiment":"positive","sentiment_score":0.4785647789637248}],"sentiment":"neutral","sentiment_score":0.24932526088342433,"num_words":41,"start":765.41003,"end":784.215},{"sentences":[{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place?","start":785.155,"end":791.41504,"sentiment":"neutral","sentiment_score":0.08047010901976716},{"text":"Yep.","start":793.54004,"end":794.04004,"sentiment":"neutral","sentiment_score":0.1726451814174652},{"text":"Perfect.","start":794.10004,"end":794.60004,"sentiment":"positive","sentiment_score":0.3707218170166016},{"text":"And do you know if you made a nomination for power of attorney at the same time with the will?","start":795.7,"end":800.12,"sentiment":"neutral","sentiment_score":0.08144394233822823},{"text":"Yep.","start":802.58,"end":802.98004,"sentiment":"neutral","sentiment_score":0.040132805705070496}],"sentiment":"neutral","sentiment_score":0.08850491220752398,"num_words":45,"start":785.155,"end":802.98004},{"sentences":[{"text":"Okay.","start":802.98004,"end":803.3,"sentiment":"neutral","sentiment_score":0.07677850127220154},{"text":"Perfect.","start":803.3,"end":803.8,"sentiment":"neutral","sentiment_score":0.1820796430110931},{"text":"That's fine.","start":804.26,"end":805.24,"sentiment":"neutral","sentiment_score":0.13814540207386017},{"text":"But at the moment, you don't have anyone who obviously makes any financial decisions on your behalf?","start":806.775,"end":811.35504,"sentiment":"neutral","sentiment_score":-0.08135364314212519},{"text":"No.","start":812.455,"end":812.955,"sentiment":"neutral","sentiment_score":-0.06187131255865097}],"sentiment":"neutral","sentiment_score":-0.04135155897926201,"num_words":22,"start":802.98004,"end":812.955},{"sentences":[{"text":"Yep.","start":813.09503,"end":813.495,"sentiment":"neutral","sentiment_score":0.03936184197664261},{"text":"Perfect.","start":813.495,"end":813.995,"sentiment":"neutral","sentiment_score":0.19546116888523105},{"text":"And when it comes to a beneficiary, so for your super in insurance, I have it going to Amy at a 100%.","start":814.53503,"end":822.1,"sentiment":"neutral","sentiment_score":0.09679340571165085},{"text":"Is that still the case as well?","start":822.1,"end":823.72,"sentiment":"neutral","sentiment_score":0.055912974157503674},{"text":"Yep.","start":824.82,"end":825.13995,"sentiment":"neutral","sentiment_score":0.17154709994792938}],"sentiment":"neutral","sentiment_score":0.09147549548652023,"num_words":32,"start":813.09503,"end":825.13995},{"sentences":[{"text":"Beautiful.","start":825.13995,"end":825.63995,"sentiment":"positive","sentiment_score":0.5674933195114136},{"text":"And because she is your spouse, it would go tax free to her, which is great.","start":825.69995,"end":829.39996,"sentiment":"positive","sentiment_score":0.5173453241586685},{"text":"Now, otherwise, when it comes to, I guess, goals, the stuff that you are working towards so that you are wanting to achieve, during under review is sometimes a good point to just kind of touch base and see, is that still your goals?","start":832.1,"end":843.085,"sentiment":"neutral","sentiment_score":0.17142377980053425},{"text":"Has anything changed?","start":843.085,"end":844.285,"sentiment":"neutral","sentiment_score":0.02699035033583641},{"text":"Is there anything else you're working towards?","start":844.285,"end":846.465,"sentiment":"neutral","sentiment_score":0.05601847650749343}],"sentiment":"neutral","sentiment_score":0.2374755662511772,"num_words":71,"start":825.13995,"end":846.465},{"sentences":[{"text":"And last time we spoke, you were just kind of, yeah, in the middle of selling the property, moving into the new one.","start":848.045,"end":853.98004,"sentiment":"neutral","sentiment_score":0.020173042688680733},{"text":"So that was kind of the main focus.","start":853.98004,"end":856.0,"sentiment":"neutral","sentiment_score":0.05301492568105459},{"text":"But is there anything you guys are working towards in the next couple of years financially or non financially?","start":856.38,"end":861.44,"sentiment":"neutral","sentiment_score":0.017415379713240423},{"text":"Yep.","start":866.685,"end":867.185,"sentiment":"neutral","sentiment_score":0.09631752967834473},{"text":"Yeah.","start":869.805,"end":870.305,"sentiment":"neutral","sentiment_score":0.07971936464309692}],"sentiment":"neutral","sentiment_score":0.026827471080021217,"num_words":52,"start":848.045,"end":870.305},{"sentences":[{"text":"Yeah.","start":870.685,"end":871.005,"sentiment":"neutral","sentiment_score":0.06547512859106064},{"text":"No.","start":871.005,"end":871.325,"sentiment":"neutral","sentiment_score":0.17041108012199402},{"text":"Beautiful.","start":871.325,"end":871.825,"sentiment":"neutral","sentiment_score":0.28203341364860535},{"text":"Now when it comes through superannuation as well, what I will do is just quickly run through just a bit of an updated risk profile questionnaire with you, Daniel, just to see if there is anything major that has changed, if we need to make any changes to your risk tolerance.","start":873.805,"end":889.75,"sentiment":"neutral","sentiment_score":0.048889697050018346},{"text":"So it's all just multiple choice again to make it nice and easy and no right or wrong answer.","start":891.205,"end":896.085,"sentiment":"positive","sentiment_score":0.4297911164007689}],"sentiment":"neutral","sentiment_score":0.15311404634968773,"num_words":73,"start":870.685,"end":896.085},{"sentences":[{"text":"Does that make sense?","start":896.085,"end":897.145,"sentiment":"neutral","sentiment_score":0.2524957023561001},{"text":"Yep.","start":898.485,"end":898.985,"sentiment":"neutral","sentiment_score":0.28509920835494995},{"text":"Perfect.","start":899.045,"end":899.545,"sentiment":"positive","sentiment_score":0.645115852355957},{"text":"Now when it comes to the level of risk that you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?","start":900.485,"end":915.04004,"sentiment":"neutral","sentiment_score":0.04824029054583573},{"text":"Yes.","start":920.205,"end":920.685,"sentiment":"neutral","sentiment_score":0.132208451628685}],"sentiment":"neutral","sentiment_score":0.08438037987798452,"num_words":48,"start":896.085,"end":920.685},{"sentences":[{"text":"Yep.","start":920.685,"end":921.005,"sentiment":"neutral","sentiment_score":0.1271776258945465},{"text":"You did.","start":921.005,"end":921.66504,"sentiment":"neutral","sentiment_score":0.1248536929488182},{"text":"Six yep.","start":923.325,"end":924.305,"sentiment":"neutral","sentiment_score":0.2121444195508957},{"text":"Perfect.","start":924.365,"end":924.865,"sentiment":"positive","sentiment_score":0.4978557825088501},{"text":"And would you say that how you feel about market fluctuations has changed, or would you think everything is pretty much exactly the same as last year?","start":925.645,"end":934.64996,"sentiment":"neutral","sentiment_score":0.01823176429779441}],"sentiment":"neutral","sentiment_score":0.054281432407371925,"num_words":33,"start":920.685,"end":934.64996},{"sentences":[{"text":"Mhmm.","start":937.91,"end":938.41,"sentiment":"neutral","sentiment_score":-0.01223689317703247},{"text":"So would you say you're a bit more defensive?","start":938.70996,"end":941.20996,"sentiment":"neutral","sentiment_score":-0.07220241696470314},{"text":"Or and in terms of so, obviously, for superannuation, because it is a long term investment, obviously, depending on what is going on in the world.","start":941.67,"end":955.635,"sentiment":"neutral","sentiment_score":-0.058012944216338486},{"text":"And like you touched on, the last twelve months have been quite turbulent, which is also, like, expected short term in a high growth portfolio.","start":955.635,"end":963.67,"sentiment":"neutral","sentiment_score":-0.07716294527053832},{"text":"So at the moment, we have you in a high growth portfolio.","start":963.73,"end":966.63,"sentiment":"neutral","sentiment_score":0.01991651641825835}],"sentiment":"neutral","sentiment_score":-0.0528831593181989,"num_words":73,"start":937.91,"end":966.63},{"sentences":[{"text":"Basically, what that means is that you are wanting to maximize growth in your super while you still have plenty of time, but also that you are comfortable with and understand that there will be ups and downs and market fluctuations depending on what is going on because you are in that kind of high high growth category.","start":968.29,"end":987.005,"sentiment":"neutral","sentiment_score":0.10402896557131718},{"text":"And when it comes through how your money is actually invested, we see 90% invested in a combination of your growth assets, which is your Australian shares, international shares, property, and commodities, and that is ultimately what is going to grow your super the most.","start":988.105,"end":1007.445,"sentiment":"neutral","sentiment_score":0.16802131103144752},{"text":"But then you also have about 10% in defensive.","start":1008.065,"end":1011.925,"sentiment":"neutral","sentiment_score":0.06962579323185815},{"text":"So that is like your cash, your your gold, your fixed interest to limit fluctuations a little bit, but that 90% does go to those growth investments.","start":1012.545,"end":1022.42,"sentiment":"neutral","sentiment_score":0.12052484380978125},{"text":"Would you say that you are still comfortable with the fluctuations given the time you have until retirement, Or do you feel like you might want to look at reducing the risk a little bit for you?","start":1023.68,"end":1036.715,"sentiment":"neutral","sentiment_score":0.11592362740555325}],"sentiment":"neutral","sentiment_score":0.12366259167902172,"num_words":176,"start":968.29,"end":1036.715},{"sentences":[{"text":"Or what are your thoughts?","start":1036.715,"end":1037.9349,"sentiment":"neutral","sentiment_score":0.04699912816286087},{"text":"Yep.","start":1043.0349,"end":1043.5349,"sentiment":"neutral","sentiment_score":0.013179379515349863},{"text":"It there is a few factors that plays into into role.","start":1045.6799,"end":1048.96,"sentiment":"neutral","sentiment_score":-0.013327719982374798},{"text":"So what we look at is time frame.","start":1048.96,"end":1052.82,"sentiment":"neutral","sentiment_score":0.026566391112282872},{"text":"Actually, what I might do, because it may makes a bit more sense.","start":1054.0,"end":1057.12,"sentiment":"neutral","sentiment_score":0.07969240815593646}],"sentiment":"neutral","sentiment_score":0.035529014090762326,"num_words":38,"start":1036.715,"end":1057.12},{"sentences":[{"text":"Do you have access to your emails?","start":1057.12,"end":1058.535,"sentiment":"neutral","sentiment_score":0.029153818796787943},{"text":"Yep.","start":1060.2151,"end":1060.535,"sentiment":"neutral","sentiment_score":0.0988973304629326},{"text":"So what I have done is I have to send you an email with some documents to run through, and one of those attachments does kind of talk about and show market fluctuations, which will come in handy.","start":1060.535,"end":1071.275,"sentiment":"neutral","sentiment_score":0.1560625531955769},{"text":"Yes.","start":1073.975,"end":1074.475,"sentiment":"neutral","sentiment_score":0.3017004728317261},{"text":"That is perfect.","start":1076.08,"end":1076.7999,"sentiment":"positive","sentiment_score":0.6564220190048218}],"sentiment":"neutral","sentiment_score":0.17008635226637125,"num_words":50,"start":1057.12,"end":1076.7999},{"sentences":[{"text":"Thank you for doing that.","start":1076.7999,"end":1078.1799,"sentiment":"positive","sentiment_score":0.7517330884933472},{"text":"But if you could jump into it for me, and I'll just kind of talk you through the documents if you can.","start":1079.36,"end":1085.54,"sentiment":"positive","sentiment_score":0.4062884815714576},{"text":"And then let me know the documents you can see.","start":1096.985,"end":1114.96,"sentiment":"neutral","sentiment_score":0.15160528868436812},{"text":"Yeah.","start":1114.96,"end":1115.28,"sentiment":"neutral","sentiment_score":0.17290756106376648},{"text":"Okay.","start":1115.28,"end":1115.6,"sentiment":"neutral","sentiment_score":0.3081204891204834}],"sentiment":"positive","sentiment_score":0.37677161471965986,"num_words":39,"start":1076.7999,"end":1115.6},{"sentences":[{"text":"Perfect.","start":1115.6,"end":1116.0,"sentiment":"positive","sentiment_score":0.51909339427948},{"text":"So to make it easy, you don't have to flip back and forth.","start":1116.0,"end":1118.865,"sentiment":"neutral","sentiment_score":0.32223594876436085},{"text":"We can start at this first document first, and it should show you a summary of superannuation and insurances.","start":1118.865,"end":1124.1649,"sentiment":"neutral","sentiment_score":0.24654497912055567},{"text":"Let me know if you can see that one.","start":1127.1849,"end":1129.02,"sentiment":"neutral","sentiment_score":0.07094488499893083},{"text":"Okay.","start":1139.98,"end":1140.48,"sentiment":"neutral","sentiment_score":0.100288487970829}],"sentiment":"neutral","sentiment_score":0.23561180894111478,"num_words":43,"start":1115.6,"end":1140.48},{"sentences":[{"text":"That's okay.","start":1141.02,"end":1141.84,"sentiment":"neutral","sentiment_score":0.16862661391496658},{"text":"If you want, I can just kind of run through it with you.","start":1141.98,"end":1144.995,"sentiment":"neutral","sentiment_score":0.22192111267493322},{"text":"And then if you wanted to download it later and have a look, you you can, if that will be easier.","start":1145.715,"end":1151.175,"sentiment":"neutral","sentiment_score":0.19039738320168995},{"text":"Okay.","start":1154.355,"end":1154.855,"sentiment":"neutral","sentiment_score":0.08279155194759369},{"text":"If you wanna start from the top, the first document should say summary of superannuation and insurances.","start":1158.45,"end":1164.07,"sentiment":"neutral","sentiment_score":0.014779308043858585}],"sentiment":"neutral","sentiment_score":0.13990023200986562,"num_words":54,"start":1141.02,"end":1164.07},{"sentences":[{"text":"It should be all the way at the top.","start":1168.0499,"end":1169.59,"sentiment":"neutral","sentiment_score":0.05708149861958292},{"text":"We can we can start we can start there because that's the one I kinda wanted to talk to you about.","start":1176.3049,"end":1180.225,"sentiment":"neutral","sentiment_score":-0.0708189725521065},{"text":"I see if that's the one that you can see first anyway.","start":1180.225,"end":1183.125,"sentiment":"neutral","sentiment_score":0.002492627934164678},{"text":"Yep.","start":1184.87,"end":1185.27,"sentiment":"neutral","sentiment_score":0.03545859456062317},{"text":"So this one here, do you remember seeing something like this before?","start":1185.27,"end":1189.53,"sentiment":"neutral","sentiment_score":0.01674644152323405}],"sentiment":"neutral","sentiment_score":-0.012857045599428768,"num_words":55,"start":1168.0499,"end":1189.53},{"sentences":[{"text":"Yeah.","start":1191.83,"end":1192.33,"sentiment":"neutral","sentiment_score":0.04531342536211014},{"text":"But, basically, what it shows is the market and historically what's happened.","start":1192.87,"end":1198.01,"sentiment":"neutral","sentiment_score":0.06925109587609768},{"text":"So it basically, it's a good visual representation, and it does show you from 1995 through to 2025.","start":1198.365,"end":1205.745,"sentiment":"neutral","sentiment_score":0.24735314605964553},{"text":"And you can see kind of all the ups and downs of the market in correlation through the different events that happened in the world.","start":1205.965,"end":1212.465,"sentiment":"neutral","sentiment_score":0.0733523117005825},{"text":"Now Vanguard does release one every year, which is great, and the next one is due to come out any day now because they do it at the end of their financial year.","start":1213.5599,"end":1221.9,"sentiment":"positive","sentiment_score":0.4538544208714456}],"sentiment":"neutral","sentiment_score":0.24876052681147381,"num_words":89,"start":1191.83,"end":1221.9},{"sentences":[{"text":"So what we look at when it comes through your risk profile, one of the factors is time frames.","start":1223.72,"end":1230.315,"sentiment":"neutral","sentiment_score":-0.03210303697146868},{"text":"So making sure that you have enough time in the market for these kind of ups and downs.","start":1230.535,"end":1235.4349,"sentiment":"neutral","sentiment_score":-0.09304587832755512},{"text":"Now when it comes through your high growth portfolio, like I mentioned, 90% of those growth one, that is your top four here.","start":1235.975,"end":1242.875,"sentiment":"neutral","sentiment_score":0.12457912156115407},{"text":"So you can see your light green, which is The US shares, your darker green, which is Australian shares, international shares, which is, like, the yellow, and then your maroon color, which is, like, the property.","start":1243.06,"end":1256.34,"sentiment":"neutral","sentiment_score":0.06896557845175266},{"text":"Can you see those?","start":1256.34,"end":1257.225,"sentiment":"neutral","sentiment_score":0.0369532173499465}],"sentiment":"neutral","sentiment_score":0.03211109977215529,"num_words":100,"start":1223.72,"end":1257.225},{"sentences":[{"text":"Yep.","start":1258.585,"end":1259.085,"sentiment":"neutral","sentiment_score":0.11995669454336166},{"text":"Yeah.","start":1260.745,"end":1261.245,"sentiment":"neutral","sentiment_score":0.1344849169254303},{"text":"So it does show you that if you look from 1995 and you just follow The US shares, you can see that that one fluctuates the most.","start":1261.465,"end":1269.785,"sentiment":"neutral","sentiment_score":0.10513327201759373},{"text":"But it also grows the most over the long term.","start":1269.785,"end":1272.525,"sentiment":"neutral","sentiment_score":0.1576742187142372},{"text":"So that's where, you know, time comes to play.","start":1272.9199,"end":1276.5399,"sentiment":"neutral","sentiment_score":0.09309953616725074}],"sentiment":"neutral","sentiment_score":0.1147432910123219,"num_words":48,"start":1258.585,"end":1276.5399},{"sentences":[{"text":"And, typically, clients in a similar age to yourself, we see in the high growth portfolio because you have plenty of times for these fluctuations.","start":1277.1599,"end":1286.38,"sentiment":"neutral","sentiment_score":0.12315663158893585},{"text":"So, yes, there will be times where things are fluctuating or things are down, but you can also see it always comes back around over the long term.","start":1286.685,"end":1294.625,"sentiment":"neutral","sentiment_score":0.08844801091722079},{"text":"It is just fluctuating kind of depending on the events of the world.","start":1294.8451,"end":1298.785,"sentiment":"neutral","sentiment_score":0.009468077753598873},{"text":"You can also see kind of from this trend here that often the biggest dips in the market are quite closely followed with kind of a a steep incline again.","start":1299.8999,"end":1310.1599,"sentiment":"neutral","sentiment_score":-0.12399035766720772},{"text":"So often where people kind of sell out when things are down, you you kind of miss that kind of comeback as well because they can happen very closely together.","start":1310.5399,"end":1320.6951,"sentiment":"neutral","sentiment_score":-0.20332934657732646}],"sentiment":"neutral","sentiment_score":-0.03286544461217192,"num_words":126,"start":1277.1599,"end":1320.6951},{"sentences":[{"text":"Does that make sense?","start":1320.755,"end":1321.8151,"sentiment":"neutral","sentiment_score":0.023160602897405624},{"text":"Yep.","start":1323.155,"end":1323.635,"sentiment":"neutral","sentiment_score":0.2487814873456955},{"text":"Perfect.","start":1323.635,"end":1324.115,"sentiment":"positive","sentiment_score":0.5495588779449463},{"text":"And in a high growth, we do ideally want to see at least eight years until retirement, making sure you have enough time for these kind of fluctuations.","start":1324.115,"end":1333.65,"sentiment":"positive","sentiment_score":0.3694123492709228},{"text":"So from a time frame point of view, you are in a good position in that high growth.","start":1334.27,"end":1338.85,"sentiment":"positive","sentiment_score":0.5653466516070895}],"sentiment":"positive","sentiment_score":0.4117455439498791,"num_words":52,"start":1320.755,"end":1338.85},{"sentences":[{"text":"But aside from, obviously, time, it's also what you are comfortable with.","start":1339.5449,"end":1343.245,"sentiment":"neutral","sentiment_score":0.23042170082529387},{"text":"So yeah.","start":1343.945,"end":1347.485,"sentiment":"neutral","sentiment_score":0.09996286034584045},{"text":"I mean, you might be able to.","start":1347.5449,"end":1348.745,"sentiment":"neutral","sentiment_score":0.11225581062691552},{"text":"You just can't get your super yet.","start":1348.745,"end":1350.5249,"sentiment":"neutral","sentiment_score":0.06959605190370764},{"text":"But if you win the lottery, you might be able to stop working.","start":1350.6649,"end":1353.6449,"sentiment":"neutral","sentiment_score":-0.03240890944233307}],"sentiment":"neutral","sentiment_score":0.0930886181843717,"num_words":41,"start":1339.5449,"end":1353.6449},{"sentences":[{"text":"But Super is locked in until 60, at least, for now.","start":1354.2649,"end":1357.48,"sentiment":"neutral","sentiment_score":0.05004159225658937},{"text":"So, yes, it's also the fluctuations.","start":1358.82,"end":1361.4,"sentiment":"neutral","sentiment_score":0.09039911006887753},{"text":"So if you see a short term down, things on as, you know, fluctuating a lot more, If it was something you kept an eye on a lot, you might see throughout the year a bit of those fluctuations.","start":1361.7,"end":1373.245,"sentiment":"neutral","sentiment_score":0.050746612871686615},{"text":"If that is something that you are concerned about, then we could look at reducing the risk for you.","start":1373.945,"end":1381.1449,"sentiment":"neutral","sentiment_score":0.12293840474204014},{"text":"But if you feel like well, as long as long term, it continues to grow and move forward, then a high growth portfolio is suitable at least from a time frame in where you sit.","start":1381.1449,"end":1391.75,"sentiment":"neutral","sentiment_score":0.3005359871046884}],"sentiment":"neutral","sentiment_score":0.1447869028726762,"num_words":110,"start":1354.2649,"end":1391.75},{"sentences":[{"text":"So there's kind of, like, the different components.","start":1391.75,"end":1394.65,"sentiment":"neutral","sentiment_score":0.09886654652655125},{"text":"Yes.","start":1395.35,"end":1395.85,"sentiment":"neutral","sentiment_score":0.10700082778930664},{"text":"Yep.","start":1396.71,"end":1397.11,"sentiment":"neutral","sentiment_score":0.15309858322143555},{"text":"Perfect.","start":1397.11,"end":1397.61,"sentiment":"neutral","sentiment_score":0.2590588927268982},{"text":"Now where you are in the documents, if you scroll up, can you see what document can you see?","start":1399.655,"end":1408.3151,"sentiment":"neutral","sentiment_score":0.042665354319308936}],"sentiment":"neutral","sentiment_score":0.07069108026723067,"num_words":30,"start":1391.75,"end":1408.3151},{"sentences":[{"text":"There is six documents, but some of them have a few different pages.","start":1413.35,"end":1417.45,"sentiment":"neutral","sentiment_score":-0.026293496672923748},{"text":"Sorry.","start":1418.5499,"end":1418.87,"sentiment":"neutral","sentiment_score":0.004884535446763039},{"text":"They should Yep.","start":1418.87,"end":1420.73,"sentiment":"neutral","sentiment_score":0.018984888990720112},{"text":"Yep.","start":1424.95,"end":1425.45,"sentiment":"neutral","sentiment_score":0.053290292620658875},{"text":"Yes.","start":1427.505,"end":1427.745,"sentiment":"neutral","sentiment_score":0.01279407273977995}],"sentiment":"neutral","sentiment_score":-0.01125746784045508,"num_words":19,"start":1413.35,"end":1427.745},{"sentences":[{"text":"If you wanna stop there, for example, we can talk about that one.","start":1427.745,"end":1431.825,"sentiment":"neutral","sentiment_score":0.03304193054254238},{"text":"So the performance with IRR, it shows you your portfolio over the last twelve months.","start":1431.825,"end":1437.605,"sentiment":"neutral","sentiment_score":0.09120680764317513},{"text":"So, obviously, like you touched on, we have seen a bit of fluctuations in the market over the last twelve months.","start":1437.745,"end":1443.09,"sentiment":"neutral","sentiment_score":-0.07356667447657812},{"text":"Now in saying that though, when it comes to your superannuation balance, I know you said you thought that maybe things haven't grown, and you are still ahead from last year.","start":1445.07,"end":1456.265,"sentiment":"neutral","sentiment_score":0.09884572113233228},{"text":"So when we spoke last year, your super balance was at a 129,011, and now it's up at a 143,503.","start":1456.265,"end":1468.52,"sentiment":"neutral","sentiment_score":0.26261034086346624}],"sentiment":"neutral","sentiment_score":0.08569171220064163,"num_words":100,"start":1427.745,"end":1468.52},{"sentences":[{"text":"So despite fluctuations, it's still growing, which is good.","start":1469.14,"end":1473.5599,"sentiment":"positive","sentiment_score":0.4578676422437032},{"text":"In saying that though, I do want to look at potentially changing one of your investments.","start":1474.58,"end":1479.735,"sentiment":"neutral","sentiment_score":0.04636401846073568},{"text":"So if you are in this document, can you see the second column to the right where it says internal rate of return?","start":1480.355,"end":1487.015,"sentiment":"neutral","sentiment_score":0.031654116900070854},{"text":"Yes?","start":1496.9299,"end":1497.25,"sentiment":"neutral","sentiment_score":0.0461873784661293},{"text":"Okay.","start":1497.25,"end":1497.49,"sentiment":"neutral","sentiment_score":0.08203275501728058}],"sentiment":"neutral","sentiment_score":0.11437795795500279,"num_words":50,"start":1469.14,"end":1497.49},{"sentences":[{"text":"Perfect.","start":1497.49,"end":1497.89,"sentiment":"neutral","sentiment_score":0.2165069282054901},{"text":"You see, like, the percentage?","start":1497.89,"end":1499.03,"sentiment":"neutral","sentiment_score":0.06574378162622452},{"text":"Like, the numbers?","start":1499.89,"end":1500.71,"sentiment":"neutral","sentiment_score":0.019939944458504517},{"text":"Yep.","start":1500.77,"end":1501.27,"sentiment":"neutral","sentiment_score":0.03727608919143677},{"text":"So what this is, it represents in the last twelve months the performance on each of your individual investments.","start":1501.33,"end":1508.6951,"sentiment":"neutral","sentiment_score":0.02457853063548866}],"sentiment":"neutral","sentiment_score":0.03825220141302923,"num_words":29,"start":1497.49,"end":1508.6951},{"sentences":[{"text":"So the one at the top that has the bracket next to it, that is underperforming a bit at the moment.","start":1509.555,"end":1516.29,"sentiment":"neutral","sentiment_score":-0.17621006390878133},{"text":"So that one is down, and that is the one I would like to look at potentially changing for you in making sure that we always have you in the best options moving forward because things are always changing.","start":1516.37,"end":1527.43,"sentiment":"neutral","sentiment_score":-0.052671824128199846},{"text":"So the good thing with HUB twenty four is that there's hundreds of different options for us to choose from, and things aren't always going to stay the same.","start":1527.73,"end":1535.505,"sentiment":"neutral","sentiment_score":0.26861079807939203},{"text":"So with your super, as much as we don't day trade, we invest in the long term.","start":1535.505,"end":1540.405,"sentiment":"neutral","sentiment_score":0.16863414645195007},{"text":"At the same time, we do wanna take that proactive approach.","start":1540.865,"end":1544.725,"sentiment":"neutral","sentiment_score":0.22838917239145798}],"sentiment":"neutral","sentiment_score":0.06336890638638766,"num_words":117,"start":1509.555,"end":1544.725},{"sentences":[{"text":"And if we foresee one investment being a little bit slower or might not the best option or there's better alternatives out there, then we wanna make sure that we do the research and potentially look at changing things for you.","start":1545.24,"end":1560.155,"sentiment":"neutral","sentiment_score":-0.0845973607970447},{"text":"Does that make sense?","start":1560.155,"end":1561.215,"sentiment":"neutral","sentiment_score":0.05895301979035139},{"text":"Yeah.","start":1562.715,"end":1563.215,"sentiment":"neutral","sentiment_score":-0.01150077860802412},{"text":"So I would have to do all the research for you first and put it together in a proposal, but the one that I am looking at investing I'll I'll look at all of it, but the one that I am particularly interested is in your top one because that is the one that is underperforming every correct.","start":1565.115,"end":1584.48,"sentiment":"neutral","sentiment_score":-0.007826669334337628},{"text":"Correct.","start":1585.74,"end":1586.22,"sentiment":"neutral","sentiment_score":0.09518323838710784}],"sentiment":"neutral","sentiment_score":-0.03431375309647549,"num_words":105,"start":1545.24,"end":1586.22},{"sentences":[{"text":"The Benelon.","start":1586.22,"end":1586.96,"sentiment":"neutral","sentiment_score":0.10352833941578865},{"text":"Yeah.","start":1587.02,"end":1587.405,"sentiment":"neutral","sentiment_score":0.10357533395290376},{"text":"So that is the one you can see on the percentage column here that that one is down.","start":1587.485,"end":1592.145,"sentiment":"neutral","sentiment_score":0.1274995327823692},{"text":"Everything else you can see are doing pretty good.","start":1592.525,"end":1595.505,"sentiment":"positive","sentiment_score":0.48515338367886013},{"text":"Correct.","start":1599.9651,"end":1600.4651,"sentiment":"neutral","sentiment_score":0.06870248913764954}],"sentiment":"neutral","sentiment_score":0.22711956597143604,"num_words":31,"start":1586.22,"end":1600.4651},{"sentences":[{"text":"It is hard to tell, so because things do fluctuate.","start":1606.49,"end":1610.2699,"sentiment":"neutral","sentiment_score":-0.1091790184378624},{"text":"So sometimes when an investment is down, we might not want to change it because things like in that graph we saw, things come back around.","start":1610.73,"end":1618.485,"sentiment":"neutral","sentiment_score":-0.18703081774023864},{"text":"But if we kind of do extensive research on an investment and we foresee things being a bit slower, so we've been along how that one is a little bit different to your other investments is that they are actively buying and selling different investments.","start":1619.045,"end":1633.545,"sentiment":"neutral","sentiment_score":-0.11131327988372909},{"text":"So and they have been very successful in doing so.","start":1633.93,"end":1636.67,"sentiment":"neutral","sentiment_score":0.19469138607382774},{"text":"But more recently, they've been a little bit slower in making their decisions, and one of the reasons why they are also down at the moment is that one of the investments that they have in their portfolio is the Corporate Travel Group.","start":1636.97,"end":1652.365,"sentiment":"neutral","sentiment_score":-0.2500494524490002}],"sentiment":"neutral","sentiment_score":-0.14752911667881616,"num_words":134,"start":1606.49,"end":1652.365},{"sentences":[{"text":"Have you ever heard of them?","start":1652.5851,"end":1653.9651,"sentiment":"neutral","sentiment_score":-0.04451723117381334},{"text":"No.","start":1655.625,"end":1656.025,"sentiment":"neutral","sentiment_score":-0.23739132285118103},{"text":"So, essentially, that company had a bit of issues with that reporting, which actually meant that everything was put on pause.","start":1656.025,"end":1663.0,"sentiment":"negative","sentiment_score":-0.3488039587225233},{"text":"So they can't trade.","start":1663.14,"end":1665.2999,"sentiment":"negative","sentiment_score":-0.3522515818476677},{"text":"They can't do anything.","start":1665.2999,"end":1666.4199,"sentiment":"negative","sentiment_score":-0.3519156649708748}],"sentiment":"neutral","sentiment_score":-0.2957235230650339,"num_words":36,"start":1652.5851,"end":1666.4199},{"sentences":[{"text":"So because it's kind of just on pause, you things are dropping.","start":1666.4199,"end":1671.96,"sentiment":"negative","sentiment_score":-0.3590474600593249},{"text":"So the good thing is that we can get you out of Bennelong because you are not invested in that particular company.","start":1672.34,"end":1678.285,"sentiment":"neutral","sentiment_score":0.07719742642207579},{"text":"So, obviously, the returns on Bennelong is has been impacted because of the company they had in their portfolio, but that doesn't mean that you are tied to it.","start":1678.505,"end":1687.545,"sentiment":"neutral","sentiment_score":-0.1498827736439376},{"text":"So we can switch you out of Bennelong if we find better options.","start":1687.545,"end":1691.005,"sentiment":"neutral","sentiment_score":-0.05464114363376911},{"text":"So what I will do as part of my research is considering your whole portfolio as a whole, the asset allocation, because we wanna still make sure everything is diversified and aligned for you.","start":1691.41,"end":1703.19,"sentiment":"neutral","sentiment_score":0.18814567432684057}],"sentiment":"neutral","sentiment_score":-0.011547350138425828,"num_words":110,"start":1666.4199,"end":1703.19},{"sentences":[{"text":"But if there is anyone that has performed better than Benelon, and that might even be a little bit cheaper, for example.","start":1703.425,"end":1710.405,"sentiment":"neutral","sentiment_score":0.14807914959436114},{"text":"Yeah.","start":1712.0651,"end":1712.545,"sentiment":"neutral","sentiment_score":0.10888202488422394},{"text":"That was probably a long answer, but there is a lot that goes into it.","start":1712.545,"end":1716.3251,"sentiment":"neutral","sentiment_score":0.08878073493639628},{"text":"And it doesn't cost you anything extra.","start":1716.865,"end":1719.4801,"sentiment":"neutral","sentiment_score":0.2329334020614624},{"text":"It's all part of the service, and we do look at the investments all the time.","start":1719.4801,"end":1723.8201,"sentiment":"neutral","sentiment_score":0.2615410163998604}],"sentiment":"neutral","sentiment_score":0.17235285929236255,"num_words":61,"start":1703.425,"end":1723.8201},{"sentences":[{"text":"And we wanna make sure that if there is something that is lagging a little bit, we don't obviously there's nothing tying us to Bennelong or anything else.","start":1724.3601,"end":1731.945,"sentiment":"neutral","sentiment_score":-0.028060836185302054},{"text":"So if there's better options out there that we can put you in to make sure that your super grows more, and that's a bit more kind of stable moving forward, then we wanna do the research and look if that is going to be the best option for you.","start":1731.945,"end":1744.365,"sentiment":"neutral","sentiment_score":0.23983778595924377},{"text":"Yeah.","start":1745.84,"end":1746.34,"sentiment":"neutral","sentiment_score":0.30476534366607666},{"text":"Yeah.","start":1746.48,"end":1746.88,"sentiment":"positive","sentiment_score":0.3390648365020752},{"text":"Perfect.","start":1746.88,"end":1747.38,"sentiment":"positive","sentiment_score":0.42183852195739746}],"sentiment":"neutral","sentiment_score":0.1515043776160405,"num_words":81,"start":1724.3601,"end":1747.38},{"sentences":[{"text":"But, otherwise, you can see that some of the investments have been pretty crazy.","start":1747.4401,"end":1751.62,"sentiment":"neutral","sentiment_score":0.11640475850020136},{"text":"You can see that there is one that's Asia fifty that has gone up about 47%, which is crazy.","start":1751.84,"end":1758.34,"sentiment":"neutral","sentiment_score":0.16045707738713214},{"text":"So there's a bit of a mix even though you are in that high growth portfolio.","start":1758.555,"end":1762.0951,"sentiment":"neutral","sentiment_score":0.08186947042122483},{"text":"But I'll go and do some research on the investments to see if we want to make any changes for you.","start":1762.2351,"end":1767.935,"sentiment":"neutral","sentiment_score":0.15087033630836577},{"text":"Yep.","start":1769.275,"end":1769.675,"sentiment":"neutral","sentiment_score":0.1421074420213699}],"sentiment":"neutral","sentiment_score":0.1309668608534504,"num_words":71,"start":1747.4401,"end":1769.675},{"sentences":[{"text":"Perfect.","start":1769.675,"end":1770.175,"sentiment":"positive","sentiment_score":0.34242820739746094},{"text":"Now what are the other documents you can see?","start":1771.1151,"end":1774.32,"sentiment":"neutral","sentiment_score":0.07947962317201826},{"text":"Yep.","start":1780.5599,"end":1781.0599,"sentiment":"neutral","sentiment_score":0.06804963946342468},{"text":"Yep.","start":1782.1599,"end":1782.5599,"sentiment":"neutral","sentiment_score":0.06948530673980713},{"text":"So certificate of currency breaks down your insurances in a bit more info in a bit more detail.","start":1782.5599,"end":1788.8999,"sentiment":"neutral","sentiment_score":0.07204615531696214}],"sentiment":"neutral","sentiment_score":0.08307035192847252,"num_words":30,"start":1769.675,"end":1788.8999},{"sentences":[{"text":"Essentially, when it comes to your insurances, you have three policies.","start":1789.515,"end":1793.135,"sentiment":"neutral","sentiment_score":0.06662973727692258},{"text":"So you have your life and your total permanent disability.","start":1793.355,"end":1797.295,"sentiment":"neutral","sentiment_score":0.07531998008489608},{"text":"Now at the moment, you are covered for 596,166.","start":1797.675,"end":1803.72,"sentiment":"neutral","sentiment_score":0.09091891845067342},{"text":"With your total permanent disability as well, because you are in the insurance mind in a bit of a riskier occupation, you do have that other definition through the total permanent disability.","start":1805.32,"end":1818.22,"sentiment":"neutral","sentiment_score":0.02304541753255762},{"text":"So it is little bit stricter definition, and you have to meet the terms of kind of being, impaired and severe severely disabled in order to get the payout for the total permanent disability.","start":1818.36,"end":1833.035,"sentiment":"neutral","sentiment_score":-0.185708587660509}],"sentiment":"neutral","sentiment_score":-0.034085848359003044,"num_words":96,"start":1789.515,"end":1833.035},{"sentences":[{"text":"Do you remember kind of going through that a little bit last year as well?","start":1833.54,"end":1836.76,"sentiment":"neutral","sentiment_score":-0.1233537013332049},{"text":"Yep.","start":1838.66,"end":1839.16,"sentiment":"neutral","sentiment_score":0.24191658198833463},{"text":"Perfect.","start":1839.2201,"end":1839.7201,"sentiment":"positive","sentiment_score":0.5874634385108948},{"text":"Now with your life and TPD, do you have any questions?","start":1839.78,"end":1843.0801,"sentiment":"neutral","sentiment_score":0.24027417329224673},{"text":"Do you feel like those amounts are still appropriate for you?","start":1843.2201,"end":1846.8401,"sentiment":"neutral","sentiment_score":0.13573142208836295}],"sentiment":"neutral","sentiment_score":0.07987528332532981,"num_words":39,"start":1833.54,"end":1846.8401},{"sentences":[{"text":"Yep.","start":1849.515,"end":1849.755,"sentiment":"neutral","sentiment_score":0.2598894238471985},{"text":"Yep.","start":1849.755,"end":1850.255,"sentiment":"neutral","sentiment_score":0.3320825695991516},{"text":"Perfect.","start":1850.3151,"end":1850.8151,"sentiment":"positive","sentiment_score":0.5666016340255737},{"text":"And with your income protection, because you do have an income protection policy as well, that will pay you a monthly amount of 6,160 per month, which is good.","start":1853.435,"end":1866.37,"sentiment":"positive","sentiment_score":0.4095807394077038},{"text":"You do have that ninety day waiting period, a two year benefit period.","start":1866.37,"end":1871.91,"sentiment":"positive","sentiment_score":0.3635781820003803}],"sentiment":"positive","sentiment_score":0.3947318096955617,"num_words":45,"start":1849.515,"end":1871.91},{"sentences":[{"text":"All three are paid from within hub twenty four.","start":1872.53,"end":1875.65,"sentiment":"neutral","sentiment_score":0.2728048298094008},{"text":"You do get a 15% tax rebate.","start":1875.65,"end":1878.39,"sentiment":"positive","sentiment_score":0.3352376733507429},{"text":"And after that, the total premium for all three is 1,581.","start":1879.205,"end":1884.505,"sentiment":"neutral","sentiment_score":0.20006886395541104},{"text":"Do you have any questions in regards to the income protection at all?","start":1884.805,"end":1888.025,"sentiment":"neutral","sentiment_score":0.057077900148355044},{"text":"From a price point of view, it is actually a little bit cheaper, and that is because it is a stricter definition on the total permanent disability.","start":1894.38,"end":1903.2,"sentiment":"neutral","sentiment_score":0.00845231819483969}],"sentiment":"neutral","sentiment_score":0.11899835788714352,"num_words":67,"start":1872.53,"end":1903.2},{"sentences":[{"text":"So downside is a little bit harder to claim on, but then they do make it cheaper because of it.","start":1903.66,"end":1909.975,"sentiment":"neutral","sentiment_score":-0.06014420799911022},{"text":"So, otherwise, when it comes through the amount of cover you have for for your age and especially occupation, because they do assess the base on occupation, it is quite competitive from a price point of view.","start":1909.975,"end":1922.3949,"sentiment":"neutral","sentiment_score":0.09001642541104071},{"text":"With the income protection, the one thing you do also want to be mindful of is that, obviously, as your income change, you wanna make sure that still aligns with you or at least covers bills and expenses.","start":1923.87,"end":1938.895,"sentiment":"neutral","sentiment_score":0.06174361137183089},{"text":"So let me just check here.","start":1939.355,"end":1940.715,"sentiment":"neutral","sentiment_score":0.06764897890388966},{"text":"So with income protection, you can get up to 70% of your income covered.","start":1940.715,"end":1945.9349,"sentiment":"neutral","sentiment_score":0.12140853330492973}],"sentiment":"neutral","sentiment_score":0.05721386219172374,"num_words":115,"start":1903.66,"end":1945.9349},{"sentences":[{"text":"Now if your income is a 156, and that is pretty consistent, so insurance can assess bonuses and overtime if it's quite consistent.","start":1946.955,"end":1958.47,"sentiment":"neutral","sentiment_score":0.11561255351356838},{"text":"If it fluctuates a lot, sometimes they only assess your your base rate.","start":1959.1699,"end":1963.2699,"sentiment":"neutral","sentiment_score":0.01716472380436384},{"text":"But if we assume a 156,000 at 70%, that could give you 9,100 per month.","start":1963.845,"end":1974.825,"sentiment":"neutral","sentiment_score":0.07881253163019816},{"text":"At the moment, you are covered for 6,160.","start":1975.285,"end":1979.51,"sentiment":"neutral","sentiment_score":-0.024492461001500487},{"text":"So there is a bit of a gap.","start":1979.89,"end":1981.49,"sentiment":"neutral","sentiment_score":-0.06886103143915534}],"sentiment":"neutral","sentiment_score":0.04951627127158997,"num_words":67,"start":1946.955,"end":1981.49},{"sentences":[{"text":"It doesn't mean that you have to increase it.","start":1981.49,"end":1986.07,"sentiment":"neutral","sentiment_score":-0.07602215227153566},{"text":"Just something to be mindful of because at the same time, by increasing the cover, it means it costs more.","start":1986.53,"end":1993.285,"sentiment":"neutral","sentiment_score":-0.04673128044232726},{"text":"But then at the same time, you also need to be mindful of, well, will 6,160 be okay for you and the family financially if you temporarily are unable to work?","start":1995.265,"end":2010.93,"sentiment":"neutral","sentiment_score":-0.02620094912427087},{"text":"Yep.","start":2013.7101,"end":2014.2101,"sentiment":"neutral","sentiment_score":0.0347406230866909},{"text":"The one thing as well, so if you are wanting to look at potentially increasing, because an insurer's mind, they take on more risk.","start":2014.99,"end":2024.0549,"sentiment":"neutral","sentiment_score":-0.061002031434327364}],"sentiment":"neutral","sentiment_score":-0.04541602980564622,"num_words":85,"start":1981.49,"end":2024.0549},{"sentences":[{"text":"They'd have to go through that whole underwriting process again.","start":2024.0549,"end":2028.395,"sentiment":"neutral","sentiment_score":-0.1304420754313469},{"text":"And even though things are good for you at the moment with this stent and the time frame, they might not be able to look at it yet.","start":2029.19,"end":2039.61,"sentiment":"neutral","sentiment_score":-0.04839792701282671},{"text":"But it yeah.","start":2040.79,"end":2042.47,"sentiment":"neutral","sentiment_score":0.004823757956425349},{"text":"Okay.","start":2042.47,"end":2042.97,"sentiment":"neutral","sentiment_score":0.04992912709712982},{"text":"If anything changes though, you can always let us know.","start":2043.495,"end":2046.455,"sentiment":"neutral","sentiment_score":0.047782082855701444}],"sentiment":"neutral","sentiment_score":-0.04071810540671532,"num_words":52,"start":2024.0549,"end":2046.455},{"sentences":[{"text":"It doesn't have to be on review.","start":2046.455,"end":2047.735,"sentiment":"neutral","sentiment_score":0.028389088543398038},{"text":"We can review it whenever you want to.","start":2047.735,"end":2049.915,"sentiment":"neutral","sentiment_score":0.05250937910750508},{"text":"Yeah.","start":2051.175,"end":2051.415,"sentiment":"neutral","sentiment_score":0.11610634624958038},{"text":"Okay.","start":2051.415,"end":2051.815,"sentiment":"neutral","sentiment_score":0.22153699398040771},{"text":"Perfect.","start":2051.815,"end":2052.315,"sentiment":"positive","sentiment_score":0.4420484900474548}],"sentiment":"neutral","sentiment_score":0.07769391571895944,"num_words":18,"start":2046.455,"end":2052.315},{"sentences":[{"text":"Now, otherwise, basically, the last documents and you don't really have to see them.","start":2052.775,"end":2057.16,"sentiment":"neutral","sentiment_score":0.09611638076603413},{"text":"They are that if you want to go back, there was a new Oakview services guide.","start":2057.16,"end":2061.18,"sentiment":"neutral","sentiment_score":0.09039531461894512},{"text":"One of those documents you would have seen a couple of times, just all the important information in regards to us here at Oakview.","start":2061.48,"end":2068.3,"sentiment":"neutral","sentiment_score":0.12898028548806906},{"text":"And then that ongoing service agreement, the one that you did sign, just so you know, that was obviously to say that you are happy to stay on as a client.","start":2069.135,"end":2077.795,"sentiment":"neutral","sentiment_score":0.26113204658031464},{"text":"Now the fee structure hasn't changed.","start":2078.335,"end":2080.095,"sentiment":"neutral","sentiment_score":0.07762780909736951}],"sentiment":"neutral","sentiment_score":0.15877298368038711,"num_words":91,"start":2052.775,"end":2080.095},{"sentences":[{"text":"It stays exactly the same for you at that 1.65 from super, and it is also not a lock in contract.","start":2080.095,"end":2086.57,"sentiment":"neutral","sentiment_score":0.12110978684255055},{"text":"So if at any point in time, you are not happy, it is not a lock in contract.","start":2086.87,"end":2090.81,"sentiment":"neutral","sentiment_score":-0.011308983899652958},{"text":"But by signing that, otherwise, it just allows us to manage all your investments and everything else for you in the meantime.","start":2091.1902,"end":2097.1301,"sentiment":"neutral","sentiment_score":0.19390687685121188},{"text":"Do you have any questions in regards to any of those documents?","start":2098.875,"end":2101.595,"sentiment":"neutral","sentiment_score":0.14591962657868862},{"text":"So that's pretty straightforward.","start":2101.595,"end":2102.895,"sentiment":"neutral","sentiment_score":0.29815124720335007}],"sentiment":"neutral","sentiment_score":0.12401734561018356,"num_words":77,"start":2080.095,"end":2102.895},{"sentences":[{"text":"Yep.","start":2105.515,"end":2105.995,"sentiment":"neutral","sentiment_score":0.2404833436012268},{"text":"Okay.","start":2105.995,"end":2106.315,"sentiment":"positive","sentiment_score":0.3777106702327728},{"text":"Perfect.","start":2106.315,"end":2106.715,"sentiment":"neutral","sentiment_score":0.32843148708343506},{"text":"So what I might do while I do have you on the phone is just to book in the follow-up score when I've done the research on your investments to see if we wanna potentially make some changes.","start":2106.715,"end":2118.4402,"sentiment":"neutral","sentiment_score":0.10251966118812561},{"text":"So it will take me about a week to pull together all the research.","start":2119.54,"end":2123.56,"sentiment":"neutral","sentiment_score":0.09861378664416927}],"sentiment":"neutral","sentiment_score":0.11314482980153777,"num_words":55,"start":2105.515,"end":2123.56},{"sentences":[{"text":"So when is a good time for you to kind of run through that?","start":2124.4202,"end":2129.475,"sentiment":"neutral","sentiment_score":0.16148569168789045},{"text":"And it shouldn't take as long as today.","start":2133.3152,"end":2135.175,"sentiment":"neutral","sentiment_score":0.04563469626009464},{"text":"Next Friday.","start":2138.8352,"end":2139.635,"sentiment":"neutral","sentiment_score":-0.024040990509092808},{"text":"I don't work Fridays, unfortunately.","start":2139.635,"end":2141.415,"sentiment":"neutral","sentiment_score":-0.11686216741800308},{"text":"Do you you have any other times during the week?","start":2141.955,"end":2145.15,"sentiment":"neutral","sentiment_score":-0.020596873201429843}],"sentiment":"neutral","sentiment_score":0.04583373598945446,"num_words":39,"start":2124.4202,"end":2145.15},{"sentences":[{"text":"Okay.","start":2147.7898,"end":2148.1099,"sentiment":"neutral","sentiment_score":0.02077958546578884},{"text":"Let me have a little look here.","start":2148.1099,"end":2149.8098,"sentiment":"neutral","sentiment_score":0.03297751716205052},{"text":"Now I am fully booked, let me see, on this Monday, but I could do the following Monday on the August 31, if that works.","start":2150.99,"end":2160.885,"sentiment":"neutral","sentiment_score":0.05064728759229183},{"text":"Yep.","start":2160.885,"end":2161.385,"sentiment":"neutral","sentiment_score":0.10610507428646088},{"text":"Okay.","start":2162.725,"end":2163.205,"sentiment":"neutral","sentiment_score":0.08219093829393387}],"sentiment":"neutral","sentiment_score":0.04874572594250951,"num_words":35,"start":2147.7898,"end":2163.205},{"sentences":[{"text":"Now at the moment, I could do either 1PM or three PM.","start":2163.205,"end":2169.0652,"sentiment":"neutral","sentiment_score":0.056899561546742916},{"text":"Would either of those work?","start":2169.445,"end":2170.74,"sentiment":"neutral","sentiment_score":0.04187910780310631},{"text":"1PM?","start":2172.74,"end":2173.56,"sentiment":"neutral","sentiment_score":0.017986534163355827},{"text":"Okay.","start":2173.7,"end":2174.1,"sentiment":"neutral","sentiment_score":0.10527358949184418},{"text":"Beautiful.","start":2174.1,"end":2174.6,"sentiment":"neutral","sentiment_score":0.28971993923187256}],"sentiment":"neutral","sentiment_score":0.06525851702317595,"num_words":20,"start":2163.205,"end":2174.6},{"sentences":[{"text":"Actually, could I do 01:30?","start":2175.78,"end":2177.56,"sentiment":"neutral","sentiment_score":0.10335411429405213},{"text":"Yes?","start":2178.98,"end":2179.48,"sentiment":"neutral","sentiment_score":0.09040836989879608},{"text":"Okay.","start":2179.54,"end":2180.04,"sentiment":"neutral","sentiment_score":0.08954928815364838},{"text":"Well, I will book that in on Monday, August 31, which is crazy that it's at the end of August already, for the presentation to go over if we do wanna make any changes to your investments.","start":2180.26,"end":2193.875,"sentiment":"neutral","sentiment_score":0.08263549077752474},{"text":"Now if anything does change and you can't make the appointment, just let me know and we can always get you rescheduled.","start":2194.895,"end":2201.155,"sentiment":"neutral","sentiment_score":0.05001801131716506}],"sentiment":"neutral","sentiment_score":0.0735551157161932,"num_words":66,"start":2175.78,"end":2201.155},{"sentences":[{"text":"But, otherwise, that is all booked in on Monday, August 31 at 01:30.","start":2201.43,"end":2206.73,"sentiment":"neutral","sentiment_score":0.040081654173823505},{"text":"Yep.","start":2208.39,"end":2208.79,"sentiment":"neutral","sentiment_score":0.2681258022785187},{"text":"Beautiful.","start":2208.79,"end":2209.29,"sentiment":"positive","sentiment_score":0.506605327129364},{"text":"Now, Daniel, do you have any other questions for me, otherwise, before I let you go and get on with your day?","start":2209.5898,"end":2215.29,"sentiment":"neutral","sentiment_score":0.1294062449173494},{"text":"No?","start":2217.135,"end":2217.635,"sentiment":"neutral","sentiment_score":-0.07666949927806854}],"sentiment":"neutral","sentiment_score":0.10700159269924227,"num_words":38,"start":2201.43,"end":2217.635},{"sentences":[{"text":"Yeah.","start":2218.095,"end":2218.575,"sentiment":"neutral","sentiment_score":0.09120745956897736},{"text":"Beautiful.","start":2218.575,"end":2219.075,"sentiment":"neutral","sentiment_score":0.19723299145698547},{"text":"What's that?","start":2220.095,"end":2220.915,"sentiment":"neutral","sentiment_score":0.01830412819981575},{"text":"Yes.","start":2224.975,"end":2225.475,"sentiment":"neutral","sentiment_score":0.15825960040092468},{"text":"I think so.","start":2225.535,"end":2226.175,"sentiment":"neutral","sentiment_score":0.1600889265537262}],"sentiment":"neutral","sentiment_score":0.1204468859359622,"num_words":8,"start":2218.095,"end":2226.175},{"sentences":[{"text":"And part of the research, I'll I can go through and do kind of new updated projections and everything as well just to see how things are tracking.","start":2226.175,"end":2232.7551,"sentiment":"neutral","sentiment_score":0.19534104956047876},{"text":"But from, obviously, age, you are in a good position.","start":2233.4302,"end":2236.4102,"sentiment":"neutral","sentiment_score":0.2717447079718113},{"text":"And when I do, obviously, it it comes down to how much if you're making extra contributions, how much you're getting from your employer.","start":2236.4702,"end":2243.4302,"sentiment":"neutral","sentiment_score":0.15472171548753977},{"text":"Because you are a high income earner, you are getting a decent amount from your employer already.","start":2243.4302,"end":2248.8652,"sentiment":"positive","sentiment_score":0.48479530916494484},{"text":"Everyone is quite individual and depends on how long you've been working.","start":2249.965,"end":2254.385,"sentiment":"neutral","sentiment_score":0.1672437284141779}],"sentiment":"neutral","sentiment_score":0.2433929959987546,"num_words":91,"start":2226.175,"end":2254.385},{"sentences":[{"text":"But when I do kind of just look at how much you have in Super versus other clients in a similar age to you, you are sitting in a good position.","start":2254.8452,"end":2262.92,"sentiment":"neutral","sentiment_score":0.31114533351313683},{"text":"Yeah.","start":2263.5,"end":2264.0,"sentiment":"positive","sentiment_score":0.46616309881210327},{"text":"Which is which is good.","start":2264.58,"end":2267.46,"sentiment":"positive","sentiment_score":0.4936899244785309},{"text":"But, yes, I'll go through things a little bit more detail on Monday the thirty first with you as well with those investments and stuff.","start":2267.46,"end":2274.915,"sentiment":"neutral","sentiment_score":0.31698779106140135},{"text":"Yep.","start":2274.915,"end":2275.395,"sentiment":"positive","sentiment_score":0.5032116770744324}],"sentiment":"positive","sentiment_score":0.3334607065670074,"num_words":63,"start":2254.8452,"end":2275.395},{"sentences":[{"text":"Beautiful.","start":2275.395,"end":2275.875,"sentiment":"positive","sentiment_score":0.7526358366012573},{"text":"Well, thank you so much for your time this morning, Daniel, and I look forward to speaking with you at 01:30 on Monday the thirty first.","start":2275.875,"end":2281.895,"sentiment":"positive","sentiment_score":0.7529843518367181},{"text":"No worries.","start":2283.5552,"end":2284.115,"sentiment":"positive","sentiment_score":0.3675531595945358},{"text":"We're fixing.","start":2284.115,"end":2284.7751,"sentiment":"positive","sentiment_score":0.43259650468826294},{"text":"Bye.","start":2286.7551,"end":2287.2551,"sentiment":"neutral","sentiment_score":-0.10396696627140044}],"sentiment":"positive","sentiment_score":0.6820800420828164,"num_words":32,"start":2275.395,"end":2287.2551}]}}]},{"alternatives":[{"transcript":"Hello. Daniel speaking. I'm good. Good. Thanks. How are you? Yeah. That's fine. Yeah. No worries. Daniel Lee, 6 For 9th 92, And 31 Circle Circuit In Mudgee. A little bit. Yeah. I just took the kids to school, and I've just got termite people coming to check the house at the moment. No. Yeah. If you can ask just an update, I I don't really keep that much of a a tabs on it, really, to be honest. Yeah. That's right. Yep. That's the same still. Yep. No. It's all the same still. Same. Yeah. All the same. It's probably it's it's gone up since the last financial year. I can just give me two secs. I'll just look at my last the payslip. I can tell you what it was. So would it be it was So $1.56, roughly. That that's everything. That's everything. Yeah. Yeah. It would be about the same. I think it's only on thirty five hours. Actually, I'm not too sure about that. I should know. I'm just I'm just looking up the, our EA. I might be able to just find it in there. So it says here, the company will contribute 11.5% or or such higher amount as may be required by legislation from time to time of an employee's ordinary time earnings to an employee's compliant. Yeah. So it's just ordinary time. So that'd be thirty five hours. Oh. As in, like, how much am I getting paid, like, each time they pay the super or for the whole year? I guess it would be that 70,000, just the base wage. Yeah. If you if you wanna do that, that'd be easier probably. Yeah. That was that was from '20 '20 that was from 2024. That so that's probably why. I'm just employee. I haven't I haven't added any. Yeah. That's right. Yeah. So that's probably, obviously, a little bit less now. So it's it's down to about $6.10 now. Yeah. That's probably about right still. Yes. The mortgages is one payment. Yeah. I'm gonna list everything in. Sorry. Can I have to get on hold for two secs? Probably two yeah. Sorry. I'll be two secs. Yeah. It won't be too long. I'm just gonna pay for this Yeah. Thanks. Sorry. I'm back. All good. That's about 6 at the moment. Yeah. But that's that's changes weekly. No. Nothing really. Nothing like that. No. I think it's all pretty much clear. Yep. That's still the case. So, yeah, I've been I've been back at being back at work full time. So ever since, I'm fine now. Been having like, my last update was good. No. No. Pretty good. We don't currently. Yeah. She is. Yep. Yeah. I sort of have looked into a little bit, but I think it's roughly about the same anyway. Look. I I should probably should get it. I've just been a bit lazy. I just found it. I was just because I find it easiest for them to take it out of my tax at the end of the year rather than having to try and find the money each week. You know what I mean? Does that make sense? Yeah. Yeah. Well, I always seem to get a return, so there's always yeah. Even after I've paid, I still get a return usually. So yeah. Yeah. Amy and I have a will. Yeah. We would've. No. It's just off at the moment. Yep. Yep. Perfect. We just wanna set we just want a bit of money to put a bit of an extension on the house, but other than that, yeah, just save them the holidays, and that's about it, really. Yep. Last Last time, I just said the the middle one, the high moderate. So I'll probably just yeah. I'll probably just stick with that again for now. I would say it has changed with the war on that. Yeah. So oh, I'd say I'm probably in a worse spot now. I can't imagine it'd be better. Yeah. I think I'd be okay at the moment where it is. Are you do you reckon? Like Yep. I I got the I just signed one from you. Is that the one? Yep. I can see all of it. Let's just see. Sorry. It's just because I've already saw in it, it's now wanting me to book download it. Okay. I've got it open now. So so for which which page did you want me to look at? Sorry. Is that the Vanguard index chart? Alright. That's not the one. Yep. Yeah. I've said yeah. Yep. Yeah. The US shares seem to be okay. Yeah. Yes. Yeah. We shot the batar in IEs. Yeah. I'm pretty comfortable just staying in the in the high. I can see six pages. Is that is that what they should be? Oh, okay. So I can I can see, like, the outgoing service agreement, certificate of currency, performance report? Yep. No. I can't. Oh, sorry. Yes. I can. Yeah. Yep. Yep. Yep. Yeah. So which one are you talking about changing? Is that the Benelon one or or the beta global? Oh, Benelon. Yep. Which percentage are you talking about? Is that the 19.68? So what should it be? Like, what what do you want it to be at roughly? No. Yeah. Yep. Sounds good to me. Yep. Yes. So just the ongoing service agreement, certificate of currency. Yeah. I think so. Yeah. I think that's fine. I've just okay. I don't know a lot about it. Do they seem like normal figures? You're welcome. Yeah. Okay. Yeah. I'll just waive it then. Yeah. No worries. Yep. No worries. No. I think that's all pretty good. Probably next Friday. I think that's Monday afternoons. Yeah. That should be fine. Probably 1PM. Yeah. That's fine. Okay. Alright. No. I think it's so pretty good. I think would you say, like, I'm in a in a decent sport at the moment for my age and Yep. Sounds good. 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Daniel speaking. I'm good. Good. Thanks.\n\nHow are you? Yeah. That's fine. Yeah. No worries.\n\nDaniel Lee, 6 For 9th 92, And 31 Circle Circuit In Mudgee. A little bit. Yeah. I just took the kids to school, and I've just got termite people coming to check the house at the moment. No.\n\nYeah. If you can ask just an update, I I don't really keep that much of a a tabs on it, really, to be honest. Yeah. That's right. Yep.\n\nThat's the same still. Yep. No. It's all the same still. Same.\n\nYeah. All the same. It's probably it's it's gone up since the last financial year. I can just give me two secs. I'll just look at my last the payslip.\n\nI can tell you what it was. So would it be it was So $1.56, roughly. That that's everything. That's everything. Yeah.\n\nYeah. It would be about the same. I think it's only on thirty five hours. Actually, I'm not too sure about that. I should know.\n\nI'm just I'm just looking up the, our EA. I might be able to just find it in there. So it says here, the company will contribute 11.5% or or such higher amount as may be required by legislation from time to time of an employee's ordinary time earnings to an employee's compliant. Yeah. So it's just ordinary time.\n\nSo that'd be thirty five hours. Oh. As in, like, how much am I getting paid, like, each time they pay the super or for the whole year? I guess it would be that 70,000, just the base wage. Yeah.\n\nIf you if you wanna do that, that'd be easier probably. Yeah. That was that was from '20 '20 that was from 2024. That so that's probably why. I'm just employee.\n\nI haven't I haven't added any. Yeah. That's right. Yeah. So that's probably, obviously, a little bit less now.\n\nSo it's it's down to about $6.10 now. Yeah. That's probably about right still. Yes. The mortgages is one payment.\n\nYeah. I'm gonna list everything in. Sorry. Can I have to get on hold for two secs? Probably two yeah.\n\nSorry. I'll be two secs. Yeah. It won't be too long. I'm just gonna pay for this Yeah.\n\nThanks. Sorry. I'm back. All good. That's about 6 at the moment.\n\nYeah. But that's that's changes weekly. No. Nothing really. Nothing like that.\n\nNo. I think it's all pretty much clear. Yep. That's still the case. So, yeah, I've been I've been back at being back at work full time.\n\nSo ever since, I'm fine now. Been having like, my last update was good. No. No. Pretty good.\n\nWe don't currently. Yeah. She is. Yep. Yeah.\n\nI sort of have looked into a little bit, but I think it's roughly about the same anyway. Look. I I should probably should get it. I've just been a bit lazy. I just found it.\n\nI was just because I find it easiest for them to take it out of my tax at the end of the year rather than having to try and find the money each week. You know what I mean? Does that make sense? Yeah. Yeah.\n\nWell, I always seem to get a return, so there's always yeah. Even after I've paid, I still get a return usually. So yeah. Yeah. Amy and I have a will.\n\nYeah. We would've. No. It's just off at the moment. Yep.\n\nYep. Perfect. We just wanna set we just want a bit of money to put a bit of an extension on the house, but other than that, yeah, just save them the holidays, and that's about it, really. Yep. Last Last time, I just said the the middle one, the high moderate.\n\nSo I'll probably just yeah. I'll probably just stick with that again for now. I would say it has changed with the war on that. Yeah. So oh, I'd say I'm probably in a worse spot now.\n\nI can't imagine it'd be better. Yeah. I think I'd be okay at the moment where it is. Are you do you reckon? Like Yep.\n\nI I got the I just signed one from you. Is that the one? Yep. I can see all of it. Let's just see.\n\nSorry. It's just because I've already saw in it, it's now wanting me to book download it. Okay. I've got it open now. So so for which which page did you want me to look at?\n\nSorry. Is that the Vanguard index chart? Alright. That's not the one. Yep.\n\nYeah. I've said yeah. Yep. Yeah. The US shares seem to be okay.\n\nYeah. Yes. Yeah. We shot the batar in IEs. Yeah.\n\nI'm pretty comfortable just staying in the in the high. I can see six pages. Is that is that what they should be? Oh, okay. So I can I can see, like, the outgoing service agreement, certificate of currency, performance report?\n\nYep. No. I can't. Oh, sorry. Yes.\n\nI can. Yeah. Yep. Yep. Yep.\n\nYeah. So which one are you talking about changing? Is that the Benelon one or or the beta global? Oh, Benelon. Yep.\n\nWhich percentage are you talking about? Is that the 19.68? So what should it be? Like, what what do you want it to be at roughly? No.\n\nYeah. Yep. Sounds good to me. Yep. Yes.\n\nSo just the ongoing service agreement, certificate of currency. Yeah. I think so. Yeah. I think that's fine.\n\nI've just okay. I don't know a lot about it. Do they seem like normal figures? You're welcome. Yeah.\n\nOkay. Yeah. I'll just waive it then. Yeah. No worries.\n\nYep. No worries. No. I think that's all pretty good. Probably next Friday.\n\nI think that's Monday afternoons. Yeah. That should be fine. Probably 1PM. Yeah.\n\nThat's fine. Okay. Alright. No. I think it's so pretty good.\n\nI think would you say, like, I'm in a in a decent sport at the moment for my age and Yep. Sounds good. Thank you.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.12,"sentiment":"neutral","sentiment_score":0.04631400108337402},{"text":"Daniel speaking.","start":1.12,"end":2.02,"sentiment":"neutral","sentiment_score":0.049073975533246994},{"text":"I'm good.","start":2.72,"end":3.54,"sentiment":"positive","sentiment_score":0.5477556437253952},{"text":"Good.","start":6.16,"end":6.3999996,"sentiment":"positive","sentiment_score":0.4408679008483886},{"text":"Thanks.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.5190310478210449}],"sentiment":"neutral","sentiment_score":0.314267455467156,"num_words":7,"start":0.79999995,"end":6.64},{"sentences":[{"text":"How are you?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.27709460258483887},{"text":"Yeah.","start":13.945,"end":14.105,"sentiment":"neutral","sentiment_score":0.17736579477787018},{"text":"That's 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payslip.","start":155.68,"end":157.2,"sentiment":"neutral","sentiment_score":0.01878901058807969}],"sentiment":"neutral","sentiment_score":0.012473430837659786,"num_words":30,"start":137.44499,"end":157.2},{"sentences":[{"text":"I can tell you what it was.","start":157.2,"end":158.5,"sentiment":"neutral","sentiment_score":0.03058642494891371},{"text":"So would it be it was So $1.56, roughly.","start":174.41501,"end":192.055,"sentiment":"neutral","sentiment_score":0.0836755604379707},{"text":"That that's everything.","start":198.515,"end":199.575,"sentiment":"neutral","sentiment_score":0.05693298081556956},{"text":"That's everything.","start":199.715,"end":200.53499,"sentiment":"neutral","sentiment_score":0.08132707327604294},{"text":"Yeah.","start":200.59499,"end":201.09499,"sentiment":"neutral","sentiment_score":0.03687305003404617}],"sentiment":"neutral","sentiment_score":0.06079596170986241,"num_words":22,"start":157.2,"end":201.09499},{"sentences":[{"text":"Yeah.","start":206.32,"end":206.56001,"sentiment":"neutral","sentiment_score":0.010615418665111063},{"text":"It would be about the same.","start":206.56001,"end":207.86,"sentiment":"neutral","sentiment_score":0.01205100150158008},{"text":"I think it's only on thirty five hours.","start":215.545,"end":218.125,"sentiment":"neutral","sentiment_score":-0.018002717406488955},{"text":"Actually, I'm not too sure about that.","start":220.825,"end":223.00499,"sentiment":"neutral","sentiment_score":-0.09122883741344724},{"text":"I should 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one from you.","start":1070.6699,"end":1072.51,"sentiment":"neutral","sentiment_score":0.10731297880411148},{"text":"Is that the one?","start":1072.51,"end":1073.4099,"sentiment":"neutral","sentiment_score":0.0799722708761692},{"text":"Yep.","start":1086.075,"end":1086.575,"sentiment":"neutral","sentiment_score":0.15981879830360413},{"text":"I can see all of it.","start":1113.255,"end":1114.7151,"sentiment":"neutral","sentiment_score":0.16456577678521475},{"text":"Let's just see.","start":1127.0299,"end":1128.09,"sentiment":"neutral","sentiment_score":0.0898126723865668}],"sentiment":"neutral","sentiment_score":0.11706959782168269,"num_words":24,"start":1070.6699,"end":1128.09},{"sentences":[{"text":"Sorry.","start":1134.735,"end":1135.055,"sentiment":"neutral","sentiment_score":-0.09392040967941284},{"text":"It's just because I've already saw in it, it's now wanting me to book download it.","start":1135.055,"end":1138.835,"sentiment":"neutral","sentiment_score":-0.1351249637082219},{"text":"Okay.","start":1152.46,"end":1152.78,"sentiment":"neutral","sentiment_score":0.11290766298770905},{"text":"I've got it open now.","start":1152.78,"end":1153.66,"sentiment":"neutral","sentiment_score":0.14711932241916656},{"text":"So so for which which page did you want me to look at?","start":1153.66,"end":1157.66,"sentiment":"neutral","sentiment_score":0.0367837893561675}],"sentiment":"neutral","sentiment_score":-0.025811841452701226,"num_words":36,"start":1134.735,"end":1157.66},{"sentences":[{"text":"Sorry.","start":1157.66,"end":1158.16,"sentiment":"neutral","sentiment_score":-0.05332799255847931},{"text":"Is that the Vanguard index chart?","start":1173.505,"end":1175.685,"sentiment":"neutral","sentiment_score":0.03015241709848245},{"text":"Alright.","start":1175.89,"end":1176.13,"sentiment":"neutral","sentiment_score":-0.0016872480046004057},{"text":"That's not the one.","start":1176.13,"end":1180.51,"sentiment":"neutral","sentiment_score":-0.12066525407135487},{"text":"Yep.","start":1183.65,"end":1184.15,"sentiment":"neutral","sentiment_score":0.039822839200496674}],"sentiment":"neutral","sentiment_score":-0.024379916542854447,"num_words":13,"start":1157.66,"end":1184.15},{"sentences":[{"text":"Yeah.","start":1190.0499,"end":1190.37,"sentiment":"neutral","sentiment_score":0.024896495044231415},{"text":"I've said yeah.","start":1190.37,"end":1191.35,"sentiment":"neutral","sentiment_score":0.02197451889514923},{"text":"Yep.","start":1257.665,"end":1257.985,"sentiment":"neutral","sentiment_score":0.06475207209587097},{"text":"Yeah.","start":1257.985,"end":1258.305,"sentiment":"neutral","sentiment_score":0.10268323868513109},{"text":"The US shares seem to be okay.","start":1258.305,"end":1260.005,"sentiment":"neutral","sentiment_score":0.15213655999728612}],"sentiment":"neutral","sentiment_score":0.10178548326859108,"num_words":13,"start":1190.0499,"end":1260.005},{"sentences":[{"text":"Yeah.","start":1273.11,"end":1273.61,"sentiment":"neutral","sentiment_score":0.13225018978118896},{"text":"Yes.","start":1322.255,"end":1322.755,"sentiment":"neutral","sentiment_score":0.16198620200157166},{"text":"Yeah.","start":1343.755,"end":1343.9951,"sentiment":"neutral","sentiment_score":0.12418877333402634},{"text":"We shot the batar in IEs.","start":1343.9951,"end":1345.6151,"sentiment":"neutral","sentiment_score":0.1089507242043813},{"text":"Yeah.","start":1392.47,"end":1392.97,"sentiment":"neutral","sentiment_score":0.07947011291980743}],"sentiment":"neutral","sentiment_score":0.11515996232628822,"num_words":10,"start":1273.11,"end":1392.97},{"sentences":[{"text":"I'm pretty comfortable just staying in the in the high.","start":1393.095,"end":1396.075,"sentiment":"neutral","sentiment_score":0.10425804331898689},{"text":"I can see six pages.","start":1408.52,"end":1409.7201,"sentiment":"neutral","sentiment_score":0.014296055585145951},{"text":"Is that is that what they should be?","start":1409.7201,"end":1412.06,"sentiment":"neutral","sentiment_score":0.022815965581685305},{"text":"Oh, okay.","start":1418.2001,"end":1418.6001,"sentiment":"neutral","sentiment_score":0.01824796712026},{"text":"So I can I can see, like, the outgoing service agreement, certificate of currency, performance report?","start":1418.6001,"end":1427.0149,"sentiment":"neutral","sentiment_score":0.04389706521760672}],"sentiment":"neutral","sentiment_score":0.04964481496320265,"num_words":41,"start":1393.095,"end":1427.0149},{"sentences":[{"text":"Yep.","start":1430.595,"end":1431.095,"sentiment":"neutral","sentiment_score":0.034626588225364685},{"text":"No.","start":1494.87,"end":1495.11,"sentiment":"neutral","sentiment_score":-0.18859782814979553},{"text":"I can't.","start":1495.11,"end":1495.51,"sentiment":"neutral","sentiment_score":-0.142925176769495},{"text":"Oh, sorry.","start":1495.51,"end":1495.99,"sentiment":"neutral","sentiment_score":-0.08180712908506393},{"text":"Yes.","start":1495.99,"end":1496.15,"sentiment":"neutral","sentiment_score":0.011729040183126926}],"sentiment":"neutral","sentiment_score":-0.0845295444929174,"num_words":7,"start":1430.595,"end":1496.15},{"sentences":[{"text":"I can.","start":1496.15,"end":1496.47,"sentiment":"neutral","sentiment_score":0.01978419814258814},{"text":"Yeah.","start":1496.47,"end":1496.79,"sentiment":"neutral","sentiment_score":0.04633429646492005},{"text":"Yep.","start":1496.79,"end":1497.29,"sentiment":"neutral","sentiment_score":0.062840037047863},{"text":"Yep.","start":1499.75,"end":1500.25,"sentiment":"neutral","sentiment_score":0.018603384494781498},{"text":"Yep.","start":1513.735,"end":1514.235,"sentiment":"neutral","sentiment_score":-0.09751401841640472}],"sentiment":"neutral","sentiment_score":0.011638682646056017,"num_words":6,"start":1496.15,"end":1514.235},{"sentences":[{"text":"Yeah.","start":1561.4551,"end":1561.775,"sentiment":"neutral","sentiment_score":0.01492547895759344},{"text":"So which one are you talking about changing?","start":1561.775,"end":1563.875,"sentiment":"neutral","sentiment_score":-0.015710846055299044},{"text":"Is that the Benelon one or or the beta global?","start":1582.115,"end":1584.935,"sentiment":"neutral","sentiment_score":-0.06240394525229931},{"text":"Oh, Benelon.","start":1585.235,"end":1585.875,"sentiment":"neutral","sentiment_score":0.03375076409429312},{"text":"Yep.","start":1585.875,"end":1586.375,"sentiment":"neutral","sentiment_score":0.12034621834754944}],"sentiment":"neutral","sentiment_score":-0.024861499794166197,"num_words":22,"start":1561.4551,"end":1586.375},{"sentences":[{"text":"Which percentage are you talking about?","start":1595.8999,"end":1597.4199,"sentiment":"neutral","sentiment_score":0.09371486927072208},{"text":"Is that the 19.68?","start":1597.4199,"end":1599.44,"sentiment":"neutral","sentiment_score":0.05281549505889416},{"text":"So what should it be?","start":1601.1799,"end":1602.22,"sentiment":"neutral","sentiment_score":0.023230644688010216},{"text":"Like, what what do you want it to be at roughly?","start":1602.22,"end":1604.32,"sentiment":"neutral","sentiment_score":0.00950433203781193},{"text":"No.","start":1654.57,"end":1655.07,"sentiment":"neutral","sentiment_score":-0.2233281433582306}],"sentiment":"neutral","sentiment_score":0.02855273808732077,"num_words":27,"start":1595.8999,"end":1655.07},{"sentences":[{"text":"Yeah.","start":1711.1,"end":1711.6,"sentiment":"neutral","sentiment_score":0.10481789708137512},{"text":"Yep.","start":1744.63,"end":1745.11,"sentiment":"neutral","sentiment_score":0.22238574922084808},{"text":"Sounds good to me.","start":1745.11,"end":1746.25,"sentiment":"positive","sentiment_score":0.38744527846574783},{"text":"Yep.","start":1768.31,"end":1768.81,"sentiment":"neutral","sentiment_score":0.09911921620368958},{"text":"Yes.","start":1777.735,"end":1777.975,"sentiment":"neutral","sentiment_score":0.06418508291244507}],"sentiment":"neutral","sentiment_score":0.25503613241016865,"num_words":8,"start":1711.1,"end":1777.975},{"sentences":[{"text":"So just the ongoing service agreement, certificate of currency.","start":1777.975,"end":1781.4349,"sentiment":"neutral","sentiment_score":0.06931663635704252},{"text":"Yeah.","start":1837.015,"end":1837.3351,"sentiment":"neutral","sentiment_score":0.034487035125494},{"text":"I think so.","start":1837.3351,"end":1838.235,"sentiment":"neutral","sentiment_score":0.08650957544644673},{"text":"Yeah.","start":1847.82,"end":1848.0599,"sentiment":"neutral","sentiment_score":0.22249026596546173},{"text":"I think that's fine.","start":1848.0599,"end":1849.2799,"sentiment":"neutral","sentiment_score":0.312514528632164}],"sentiment":"neutral","sentiment_score":0.13280077050957415,"num_words":18,"start":1777.975,"end":1849.2799},{"sentences":[{"text":"I've just okay.","start":1889.165,"end":1890.125,"sentiment":"neutral","sentiment_score":-0.01000155322253704},{"text":"I don't know a lot about it.","start":1890.125,"end":1891.165,"sentiment":"neutral","sentiment_score":-0.08673273026943207},{"text":"Do they seem like normal figures?","start":1891.165,"end":1892.945,"sentiment":"neutral","sentiment_score":-0.0559948335091273},{"text":"You're welcome.","start":1910.515,"end":1921.975,"sentiment":"neutral","sentiment_score":0.0913839228451252},{"text":"Yeah.","start":2012.15,"end":2012.47,"sentiment":"neutral","sentiment_score":-0.011056755669414995}],"sentiment":"neutral","sentiment_score":-0.04217850960987179,"num_words":19,"start":1889.165,"end":2012.47},{"sentences":[{"text":"Okay.","start":2012.47,"end":2012.97,"sentiment":"neutral","sentiment_score":0.004681866616010666},{"text":"Yeah.","start":2040.0701,"end":2040.39,"sentiment":"neutral","sentiment_score":0.009970276616513727},{"text":"I'll just waive it then.","start":2040.39,"end":2041.6901,"sentiment":"neutral","sentiment_score":-0.0014879509806632995},{"text":"Yeah.","start":2050.035,"end":2050.435,"sentiment":"neutral","sentiment_score":0.049232907593250275},{"text":"No worries.","start":2050.435,"end":2051.095,"sentiment":"neutral","sentiment_score":0.09662938863039017}],"sentiment":"neutral","sentiment_score":0.02497040731832385,"num_words":10,"start":2012.47,"end":2051.095},{"sentences":[{"text":"Yep.","start":2097.5999,"end":2098.0798,"sentiment":"neutral","sentiment_score":0.12937001883983612},{"text":"No worries.","start":2098.0798,"end":2098.74,"sentiment":"neutral","sentiment_score":0.17833007127046585},{"text":"No.","start":2103.845,"end":2104.0051,"sentiment":"neutral","sentiment_score":0.3267512321472168},{"text":"I think that's all pretty good.","start":2104.0051,"end":2105.625,"sentiment":"positive","sentiment_score":0.44544018308321637},{"text":"Probably next Friday.","start":2136.485,"end":2137.275,"sentiment":"neutral","sentiment_score":0.0017630988731980324}],"sentiment":"neutral","sentiment_score":0.26851629143437517,"num_words":13,"start":2097.5999,"end":2137.275},{"sentences":[{"text":"I think that's Monday afternoons.","start":2137.275,"end":2146.9102,"sentiment":"neutral","sentiment_score":-0.0036257523111999034},{"text":"Yeah.","start":2159.415,"end":2159.915,"sentiment":"neutral","sentiment_score":0.06629572808742523},{"text":"That should be fine.","start":2160.2952,"end":2169.0352,"sentiment":"neutral","sentiment_score":0.0809555659070611},{"text":"Probably 1PM.","start":2171.335,"end":2172.395,"sentiment":"neutral","sentiment_score":0.017747050151228905},{"text":"Yeah.","start":2178.05,"end":2178.3699,"sentiment":"neutral","sentiment_score":0.06556724011898041}],"sentiment":"neutral","sentiment_score":0.03638850542931603,"num_words":13,"start":2137.275,"end":2178.3699},{"sentences":[{"text":"That's fine.","start":2178.3699,"end":2184.8499,"sentiment":"neutral","sentiment_score":0.09709826111793518},{"text":"Okay.","start":2184.8499,"end":2185.3499,"sentiment":"neutral","sentiment_score":0.07370299100875854},{"text":"Alright.","start":2207.49,"end":2207.99,"sentiment":"neutral","sentiment_score":0.18764689564704895},{"text":"No.","start":2215.865,"end":2216.365,"sentiment":"neutral","sentiment_score":-0.09170109033584596},{"text":"I think it's so pretty good.","start":2216.5051,"end":2217.885,"sentiment":"neutral","sentiment_score":-0.032238210240999855}],"sentiment":"neutral","sentiment_score":0.015492368828166615,"num_words":11,"start":2178.3699,"end":2217.885},{"sentences":[{"text":"I think would you say, like, I'm in a in a decent sport at the moment for my age and Yep.","start":2218.265,"end":2274.135,"sentiment":"neutral","sentiment_score":0.100673245975659},{"text":"Sounds good.","start":2274.135,"end":2274.955,"sentiment":"positive","sentiment_score":0.7385108172893524},{"text":"Thank you.","start":2282.377,"end":2283.117,"sentiment":"positive","sentiment_score":0.7577275335788727}],"sentiment":"neutral","sentiment_score":0.20426459468901156,"num_words":25,"start":2218.265,"end":2283.117}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Daniel speaking.\n\nChannel 0: Good\n\nChannel 1: I'm\n\nChannel 0: morning,\n\nChannel 1: good.\n\nChannel 0: Daniel. This is Veronica from x u Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm good. Thanks. I had you booked in this morning to go over your under review. Is now still a good time for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Daniel Lee, 6 For 9th 92, And 31 Circle\n\nChannel 0: Yep.\n\nChannel 1: Circuit In Mudgee.\n\nChannel 0: Yep. Perfect. And how's your morning been? Been busy?\n\nChannel 1: A little bit. Yeah. I just took the kids to\n\nChannel 0: Yeah.\n\nChannel 1: school, and I've just got termite people coming to check the house at the moment.\n\nChannel 0: Oh, yeah. Hopefully, nothing nothing too bad.\n\nChannel 1: No.\n\nChannel 0: Well, I will try not to keep you for too long this morning. But before I kind of get started onto things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see where everything's at.\n\nChannel 1: Yeah. If you can ask just an update, I I don't really keep that much of a a tabs on it, really, to be honest.\n\nChannel 0: Yeah. No. That is no worries. So the annual review is a really good kind of touch point for kind of what's happened in the last twelve months and where is everything is at. So we'll definitely go through that today.\n\nNow what I might do first is just quickly run through just a bit of an updated fact find with you just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I run through this quickly. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Beautiful. And next up, Ken, I have Amy Lee nominated. That's correct as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And phone number ending in 817, that hasn't changed?\n\nChannel 1: That's the same still. Yep.\n\nChannel 0: Yep. Yep. Perfect. Now when it comes to your employment, has any of that changed? Are you still working as a coal miner?\n\nChannel 1: No. It's all the same still.\n\nChannel 0: Yep. Perfect. Same company, everything as well?\n\nChannel 1: Same. Yeah. All the same.\n\nChannel 0: Yeah. Great. Now income wise, I have here about 130,000. Do you know if that's\n\nChannel 1: It's probably\n\nChannel 0: correct?\n\nChannel 1: it's it's gone up since the last financial year.\n\nChannel 0: Mhmm. How\n\nChannel 1: I\n\nChannel 0: much\n\nChannel 1: can\n\nChannel 0: do you think?\n\nChannel 1: just give me two secs. I'll just look at my last the payslip. I can tell you what it was.\n\nChannel 0: Yeah. Perfect. Thank you.\n\nChannel 1: So would it be it was So $1.56, roughly.\n\nChannel 0: Yep. Perfect. And does that include, like, bonuses? Is that pretty\n\nChannel 1: That\n\nChannel 0: consistent?\n\nChannel 1: that's everything. That's everything.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And do you think you would be roughly on past for that this financial year?\n\nChannel 1: Yeah. It would be about the same.\n\nChannel 0: Yep. Alright. Perfect. And your employer pays superannuation contributions on that full amount?\n\nChannel 1: I think it's only on thirty five hours.\n\nChannel 0: Yeah.\n\nChannel 1: Actually, I'm not too sure about that.\n\nChannel 0: Because I\n\nChannel 1: I should\n\nChannel 0: I\n\nChannel 1: know.\n\nChannel 0: had here no. That's okay. Because I had here as well that you have so last time we spoke, we we had your base income, which was at about 70, and then your full income was a 130, but that the employer contribution was only paid on your base, not overtime. But then if you do get bonuses, then you tend to get contributions on your bonus as well.\n\nChannel 1: I'm just I'm just looking up the, our EA. I might be able to just find it in there.\n\nChannel 0: Mhmm. That'll be great.\n\nChannel 1: So it says here, the company will contribute 11.5% or or such higher amount as may be required by legislation from time to time of an employee's ordinary time earnings to an employee's compliant. Yeah. So it's just ordinary time. So that'd be thirty five hours.\n\nChannel 0: And what would that equate to for your income? Do you know?\n\nChannel 1: Oh. As in, like, how much am I getting paid, like, each time they pay the super or for the whole\n\nChannel 0: More so just\n\nChannel 1: year?\n\nChannel 0: so, obviously, if you said on your thirty five hours, but, obviously, your 156,000 would be more than that. So out of the 156, do you know what portion is classified as your ordinary earnings?\n\nChannel 1: I guess it would be that 70,000, just the base\n\nChannel 0: 70?\n\nChannel 1: wage.\n\nChannel 0: Okay. Yep. Perfect. So I can also triple check it in your superannuation as well. I can go through the transactions and just triple\n\nChannel 1: Yeah.\n\nChannel 0: check\n\nChannel 1: If you\n\nChannel 0: that\n\nChannel 1: if you\n\nChannel 0: for\n\nChannel 1: wanna\n\nChannel 0: you.\n\nChannel 1: do that, that'd be easier\n\nChannel 0: Yeah.\n\nChannel 1: probably.\n\nChannel 0: Yep. Perfect. And with the contribution minimum now, so that EBA might be a little bit outdated or potentially, like, the last two financial years because the minimum now is 12%.\n\nChannel 1: Yeah. That was\n\nChannel 0: So\n\nChannel 1: that was\n\nChannel 0: that\n\nChannel 1: from\n\nChannel 0: is\n\nChannel 1: '20\n\nChannel 0: up.\n\nChannel 1: '20 that was from 2024. That so that's probably why.\n\nChannel 0: Yeah. Perfect. So that is good. At least I paid up standard 12, and that is on your base of thirty five hours. That is no problem.\n\nOtherwise, you are not making additional contributions. Is that start from your employer?\n\nChannel 1: I'm just employee. I haven't I haven't added\n\nChannel 0: Yep.\n\nChannel 1: any.\n\nChannel 0: Yep. No. That is all void. And when it comes to your assets, so last time we spoke, you just sold the property and bought a new one. And I think I have the new one here.\n\nIt was valued at about 875,000. Does that sound about right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Perfect. And mortgage, I have about 6\n\nChannel 1: Yeah. So that's probably, obviously, a little bit less now.\n\nChannel 0: 20. How much do you reckon roughly?\n\nChannel 1: So it's it's down to about $6.10 now.\n\nChannel 0: Perfect. 10. Now I also have here True Motor Vehicles combined value at about 25,000.\n\nChannel 1: Yeah. That's probably\n\nChannel 0: Yep.\n\nChannel 1: about\n\nChannel 0: And I had here as well that you\n\nChannel 1: right\n\nChannel 0: had finance on the cost, but that was\n\nChannel 1: still.\n\nChannel 0: included in the mortgage.\n\nChannel 1: Yes. The mortgages is one\n\nChannel 0: Yep.\n\nChannel 1: payment. Yeah. I'm gonna\n\nChannel 0: Yep.\n\nChannel 1: list everything\n\nChannel 0: Perfect.\n\nChannel 1: in.\n\nChannel 0: Yep. Also,\n\nChannel 1: Sorry. Can I have to get on hold for two secs?\n\nChannel 0: sure. Yeah. No worries.\n\nChannel 1: Probably two yeah. Sorry. I'll be two secs.\n\nChannel 0: All good, Danielle.\n\nChannel 1: Yeah. It won't be too long. I'm just gonna pay\n\nChannel 0: No.\n\nChannel 1: for this\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Take your time.\n\nChannel 1: Thanks.\n\nChannel 0: No. All good.\n\nChannel 1: Sorry. I'm back. All good.\n\nChannel 0: No worries. Now let me see here. Any other assets, though, I have cash in the bank about 4,000.\n\nChannel 1: That's about 6 at the moment. Yeah. But that's that's changes weekly.\n\nChannel 0: Yeah. It's not all good. Any other new assets, like any motorbikes or boats or anything else?\n\nChannel 1: No. Nothing really. Nothing\n\nChannel 0: No.\n\nChannel 1: like that.\n\nChannel 0: No. Perfect. And any other liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: No. I think it's all pretty much\n\nChannel 0: No.\n\nChannel 1: clear.\n\nChannel 0: Yep. Perfect. And when it comes to health and life style, I have you down here as a nonsmoker. That's still the case?\n\nChannel 1: Yep. That's still the case.\n\nChannel 0: Yep. Perfect. And in regards to your health, I know that, again, last time we spoke, you were off work for about a month or so, had a stent put in, but you kind of just were getting back to work.\n\nChannel 1: So,\n\nChannel 0: How\n\nChannel 1: yeah,\n\nChannel 0: is that\n\nChannel 1: I've been\n\nChannel 0: all\n\nChannel 1: I've\n\nChannel 0: going?\n\nChannel 1: been back at being back at work full time. So ever since, I'm fine now.\n\nChannel 0: Oh,\n\nChannel 1: Been\n\nChannel 0: beautiful.\n\nChannel 1: having like, my last update was good.\n\nChannel 0: Yep. Oh, that's great. And any other changes to health or injuries or anything?\n\nChannel 1: No. No. Pretty good.\n\nChannel 0: No. That's great. And do you have private health insurance?\n\nChannel 1: We don't currently.\n\nChannel 0: No. Okay. And with your wife as well, is she working at the moment?\n\nChannel 1: Yeah. She is. Yep.\n\nChannel 0: Yep. Okay. Because as well, it does depend on your your family income. There's something to be mindful of is because you are classified as a high income earner. So, basically, from a medical levy surcharge point, have you heard of that before?\n\nChannel 1: Yeah. I sort of have looked into a little bit, but\n\nChannel 0: Mhmm.\n\nChannel 1: I think it's roughly about the same anyway. Look. I\n\nChannel 0: Okay.\n\nChannel 1: I should probably\n\nChannel 0: Yeah.\n\nChannel 1: should get it. I've just been a bit lazy.\n\nChannel 0: That's okay. And it also depends on like, there is a threshold, so you individually are over the threshold, but it counts as a family as well. So for an individual, it's a 100 and over 101,000. But, again, like you said, there is then a tiered structure, and sometimes it's better off just paying for a cheap policy. Sometimes it's not.\n\nSo, obviously, it depends. But for a family, it's 202.\n\nChannel 1: I just\n\nChannel 0: And\n\nChannel 1: found\n\nChannel 0: then you\n\nChannel 1: it.\n\nChannel 0: do mhmm.\n\nChannel 1: I was just because I find it easiest\n\nChannel 0: Yeah.\n\nChannel 1: for them to take it out of my tax at the end of the year rather than having to try and find the money each week. You know what I mean? Does that make sense?\n\nChannel 0: Yeah. And and so many people are the same. I do like to mention it because sometimes people, like, their accountant haven't told them, so they just don't know.\n\nChannel 1: Yeah.\n\nChannel 0: But it is something you're aware of, which is good. And, yeah, sometimes sometimes it's cheaper to just pay the tax, and like you said, then you don't have to\n\nChannel 1: Yeah.\n\nChannel 0: worry\n\nChannel 1: Well,\n\nChannel 0: about it.\n\nChannel 1: I always seem to get a return, so there's always yeah. Even after I've paid, I still get a return usually. So\n\nChannel 0: Oh, that's\n\nChannel 1: yeah.\n\nChannel 0: pretty good. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, that's good. And when it comes to estate planning, do you have a will or power of attorney or anything like that in place?\n\nChannel 1: Amy and I have a will.\n\nChannel 0: Yep. Perfect. And do you know if you made a nomination for power of attorney at the same time with the will?\n\nChannel 1: Yeah. We would've.\n\nChannel 0: Yep. Okay. Perfect. That's fine. But at the moment, you don't have anyone who obviously makes any financial decisions on your behalf?\n\nChannel 1: No. It's just off at the moment.\n\nChannel 0: No. Yep. Perfect. And when it comes to a beneficiary, so for your super in insurance, I have it going to Amy at a 100%. Is that still the case as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And because she is your spouse, it would go tax free to her, which is great.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Now, otherwise, when it comes to, I guess, goals, the stuff that you are working towards so that you are wanting to achieve, during under review is sometimes a good point to just kind of touch base and see, is that still your goals? Has anything changed? Is there anything else you're working towards? And last time we spoke, you were just kind of, yeah, in the middle of selling the property, moving into the new one. So that was kind of the main focus.\n\nBut is there anything you guys are working towards in the next couple of years financially or non financially?\n\nChannel 1: We just wanna set we just want a bit of money to put a bit of an extension on the house, but other than that,\n\nChannel 0: Yep.\n\nChannel 1: yeah, just save them the holidays, and that's about it,\n\nChannel 0: Yeah.\n\nChannel 1: really.\n\nChannel 0: Yeah. No. Beautiful. Now when it comes through superannuation as well, what I will do is just quickly run through just a bit of an updated risk profile questionnaire with you, Daniel, just to see if there is anything major that has changed, if we need to make any changes to your risk tolerance. So it's all just multiple choice again to make it nice and easy and no right or wrong answer.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now when it comes to the level of risk that you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Last Last time, I just said the the middle one, the high moderate. So\n\nChannel 0: Yes.\n\nChannel 1: I'll probably\n\nChannel 0: Yep.\n\nChannel 1: just\n\nChannel 0: You\n\nChannel 1: yeah.\n\nChannel 0: did.\n\nChannel 1: I'll probably just stick with that again for now.\n\nChannel 0: Six yep. Perfect. And would you say that how you feel about market fluctuations has changed, or would you think everything is pretty much exactly the same as last year?\n\nChannel 1: I would say it has changed with the war on that.\n\nChannel 0: Mhmm. So would\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: So\n\nChannel 0: say you're a bit more defensive? Or\n\nChannel 1: oh, I'd say I'm probably in a worse spot now. I can't imagine it'd be better.\n\nChannel 0: and in terms of so, obviously, for superannuation, because it is a long term investment, obviously, depending on what is going on in the world. And like you touched on, the last twelve months have been quite turbulent, which is also, like, expected short term in a high growth portfolio. So at the moment, we have you in a high growth portfolio. Basically, what that means is that you are wanting to maximize growth in your super while you still have plenty of time, but also that you are comfortable with and understand that there will be ups and downs and market fluctuations depending on what is going on because you are in that kind of high high growth category. And when it comes through how your money is actually invested, we see 90% invested in a combination of your growth assets, which is your Australian shares, international shares, property, and commodities, and that is ultimately what is going to grow your super the most.\n\nBut then you also have about 10% in defensive. So that is like your cash, your your gold, your fixed interest to limit fluctuations a little bit, but that 90% does go to those growth investments. Would you\n\nChannel 1: Yeah.\n\nChannel 0: say that you are still comfortable with the fluctuations given the time you have until retirement, Or do you feel like you might want to look at reducing the risk a little bit for you? Or what are your thoughts?\n\nChannel 1: I think I'd be okay at the moment where it is. Are you do you\n\nChannel 0: Yep.\n\nChannel 1: reckon? Like\n\nChannel 0: It there is a few factors that plays into into role. So what we look at is time frame. Actually, what I might do, because it may makes a bit more sense. Do you have access to your emails? Yep.\n\nSo what I have done is I have to send you an email with some documents to run through, and one\n\nChannel 1: Yep.\n\nChannel 0: of those attachments does kind of talk about and show market fluctuations, which will come in\n\nChannel 1: I I\n\nChannel 0: handy.\n\nChannel 1: got the I just signed one from you. Is that the one?\n\nChannel 0: Yes. That is perfect. Thank you for doing that. But if you could jump into it for me, and I'll just kind of talk you through the documents if you can.\n\nChannel 1: Yep.\n\nChannel 0: And then let me know the documents you can\n\nChannel 1: I can see all of it.\n\nChannel 0: see. Yeah. Okay. Perfect. So to make it easy, you don't have to flip back and forth.\n\nWe can start at this first document first, and it should show you a summary of superannuation and insurances.\n\nChannel 1: Let's\n\nChannel 0: Let\n\nChannel 1: just\n\nChannel 0: me know\n\nChannel 1: see.\n\nChannel 0: if you can see that one.\n\nChannel 1: Sorry. It's just because I've already saw in it, it's now wanting me to book download it.\n\nChannel 0: Okay. That's okay. If you want, I can just kind of run through it with you. And then if you wanted to download it later and have a look, you you can, if that will be easier.\n\nChannel 1: Okay. I've got it open now. So\n\nChannel 0: Okay.\n\nChannel 1: so for which which page did you want me to look at? Sorry.\n\nChannel 0: If you wanna start from the top, the first document should say summary of superannuation and insurances. It should be all the way at the top.\n\nChannel 1: Is that the Vanguard index chart? Alright. That's not\n\nChannel 0: We\n\nChannel 1: the\n\nChannel 0: can we can start we can start there because that's the one I kinda wanted to talk to you\n\nChannel 1: one.\n\nChannel 0: about. I see if that's the one that you can see first anyway.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this one here, do you remember seeing something like this before?\n\nChannel 1: Yeah. I've said yeah.\n\nChannel 0: Yeah. But, basically, what it shows is the market and historically what's happened. So it basically, it's a good visual representation, and it does show you from 1995 through to 2025. And you can see kind of all the ups and downs of the market in correlation through the different events that happened in the world. Now Vanguard does release one every year, which is great, and the next one is due to come out any day now because they do it at the end of their financial year.\n\nSo what we look at when it comes through your risk profile, one of the factors is time frames. So making sure that you have enough time in the market for these kind of ups and downs. Now when it comes through your high growth portfolio, like I mentioned, 90% of those growth one, that is your top four here. So you can see your light green, which is The US shares, your darker green, which is Australian shares, international shares, which is, like, the yellow, and then your maroon color, which is, like, the property. Can you see those?\n\nChannel 1: Yep. Yeah. The US\n\nChannel 0: Yep.\n\nChannel 1: shares seem to be okay.\n\nChannel 0: Yeah. So it does show you that if you look from 1995 and you just follow The US shares, you can see that that one fluctuates the most. But it also grows the most over the long term. So\n\nChannel 1: Yeah.\n\nChannel 0: that's where, you know, time comes to play. And, typically, clients in a similar age to yourself, we see in the high growth portfolio because you have plenty of times for these fluctuations. So, yes, there will be times where things are fluctuating or things are down, but you can also see it always comes back around over the long term. It is just fluctuating kind of depending on the events of the world. You can also see kind of from this trend here that often the biggest dips in the market are quite closely followed with kind of a a steep incline again.\n\nSo often where people kind of sell out when things are down, you you kind of miss that kind of comeback as well because they can happen very closely together. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And in a high growth, we do ideally want to see at least eight years until retirement, making sure you have enough time for these kind of fluctuations. So from a time frame point of view, you are in a good position in that high growth. But aside from, obviously, time, it's also what you are comfortable with.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: We shot the batar in IEs.\n\nChannel 0: yeah. I mean, you might be able to. You just can't get your super yet. But if you win the lottery, you might be able to stop working. But Super is locked in until 60, at least, for now.\n\nSo, yes, it's also the fluctuations. So if you see a short term down, things on as, you know, fluctuating a lot more, If it was something you kept an eye on a lot, you might see throughout the year a bit of those fluctuations. If that is something that you are concerned about, then we could look at reducing the risk for you. But if you feel like well, as long as long term, it continues to grow and move forward, then a high growth portfolio is suitable at least from a time frame in where you sit. So there's kind\n\nChannel 1: Yeah.\n\nChannel 0: of, like,\n\nChannel 1: I'm pretty\n\nChannel 0: the\n\nChannel 1: comfortable\n\nChannel 0: different\n\nChannel 1: just\n\nChannel 0: components.\n\nChannel 1: staying in the in the\n\nChannel 0: Yes.\n\nChannel 1: high.\n\nChannel 0: Yep. Perfect. Now where you are in the documents, if you scroll up, can you see what document can you see?\n\nChannel 1: I can see six pages. Is that is that what they should be?\n\nChannel 0: There is six documents, but some of them have a few different pages.\n\nChannel 1: Oh, okay.\n\nChannel 0: Sorry.\n\nChannel 1: So I can\n\nChannel 0: They should\n\nChannel 1: I can\n\nChannel 0: Yep.\n\nChannel 1: see, like, the outgoing service agreement, certificate of currency,\n\nChannel 0: Yep.\n\nChannel 1: performance report?\n\nChannel 0: Yes. If you wanna stop there, for example, we can\n\nChannel 1: Yep.\n\nChannel 0: talk about that one. So the performance with IRR, it shows you your portfolio over the last twelve months. So, obviously, like you touched on, we have seen a bit of fluctuations in the market over the last twelve months. Now in saying that though, when it comes to your superannuation balance, I know you said you thought that maybe things haven't grown, and you are still ahead from last year. So when we spoke last year, your super balance was at a 129,011, and now it's up at a 143,503.\n\nSo despite fluctuations, it's still growing, which is good. In saying that though, I do want to look at potentially changing one of your investments. So if you are in this document, can you see the second column to the right where it says internal rate of return?\n\nChannel 1: No. I can't. Oh, sorry. Yes. I can.\n\nYeah. Yep.\n\nChannel 0: Yes? Okay. Perfect. You see, like, the percentage?\n\nChannel 1: Yep.\n\nChannel 0: Like, the numbers? Yep. So what this is, it represents in the last twelve months the performance on each of your individual investments. So the one at the top that has the bracket next to it,\n\nChannel 1: Yep.\n\nChannel 0: that is underperforming a bit at the moment. So that one is down, and that is the one I would like to look at potentially changing for you in making sure that we always have you in the best options moving forward because things are always changing. So the good thing with HUB twenty four is that there's hundreds of different options for us to choose from, and things aren't always going to stay the same. So with your super, as much as we don't day trade, we invest in the long term. At the same time, we do wanna take that proactive approach.\n\nAnd if we foresee one investment being a little bit slower or might not the best option or there's better alternatives out there, then we wanna make sure that we do the research and potentially look at changing things for you. Does that make sense?\n\nChannel 1: Yeah. So which one are you talking\n\nChannel 0: Yeah.\n\nChannel 1: about changing?\n\nChannel 0: So I would have to do all the research for you first and put it together in a proposal, but the one that I am looking at investing I'll I'll look at all of it, but the one that I am particularly interested is in your top one because that is the one that is underperforming\n\nChannel 1: Is that the Benelon\n\nChannel 0: every\n\nChannel 1: one or or the\n\nChannel 0: correct.\n\nChannel 1: beta global? Oh, Benelon.\n\nChannel 0: Correct.\n\nChannel 1: Yep.\n\nChannel 0: The Benelon. Yeah. So that is the one you can see on the percentage column here that that one is down. Everything else you can see are doing pretty good.\n\nChannel 1: Which percentage are you talking about? Is that the 19.68?\n\nChannel 0: Correct.\n\nChannel 1: So what should it be? Like, what what do you want it to be at roughly?\n\nChannel 0: It is hard to tell, so because things do fluctuate. So sometimes when an investment is down, we might not want to change it because things like in that graph we saw, things come back around. But if we kind of do extensive research on an investment and we foresee things being a bit slower, so we've been along how that one is a little bit different to your other investments is that they are actively buying and selling different investments. So and they have been very successful in doing so. But more recently, they've been a little bit slower in making their decisions, and one of the reasons why they are also down at the moment is that one of the investments that they have in their portfolio is the Corporate Travel Group.\n\nHave you ever heard of them?\n\nChannel 1: No.\n\nChannel 0: No. So, essentially, that company had a bit of issues with that reporting, which actually meant that everything was put on pause. So they can't trade. They can't do anything. So because it's kind of just on pause, you things are dropping.\n\nSo the good thing is that we can get you out of Bennelong because you are not invested in that particular company. So, obviously, the returns on Bennelong is has been impacted because of the company they had in their portfolio, but that doesn't mean that you are tied to it. So we can switch you out of Bennelong if we find better options. So what I will do as part of my research is considering your whole portfolio as a whole, the asset allocation, because we wanna still make sure everything is diversified and aligned for you. But if there is anyone that has performed better than Benelon, and that might even be a little bit cheaper, for example.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That was probably a long answer, but there is a lot that goes into it. And it doesn't cost you anything extra. It's all part of the service, and we do look at the investments all the time. And we wanna make sure that if there is something that is lagging a little bit, we don't obviously there's nothing tying us to Bennelong or anything else.\n\nSo if there's better options out there that we can put you in to make sure that your super grows more, and that's a bit more kind of stable moving forward, then we wanna do the research and look if that is going to be the best option for you.\n\nChannel 1: Yep. Sounds good to me.\n\nChannel 0: Yeah. Yeah. Perfect. But, otherwise, you can see that some of the investments have been pretty crazy. You can see that there is one that's Asia fifty that has gone up about 47%, which is crazy.\n\nSo there's a bit of a mix even though you are in that high growth portfolio. But I'll go and do some research on the investments to see if we want to make any changes for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what are the other documents you can see?\n\nChannel 1: Yes. So just the ongoing service agreement, certificate\n\nChannel 0: Yep.\n\nChannel 1: of currency.\n\nChannel 0: Yep. So certificate of currency breaks down your insurances in a bit more info in a bit more detail. Essentially, when it comes to your insurances, you have three policies. So you have your life and your total permanent disability. Now at the moment, you are covered for 596,166.\n\nWith your total permanent disability as well, because you are in the insurance mind in a bit of a riskier occupation, you do have that other definition through the total permanent disability. So it is little bit stricter definition, and you have to meet the terms of kind of being, impaired and severe severely disabled in order to get the payout for the total permanent disability. Do you remember kind of going through that a little bit last year as well?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep. Perfect. Now with your life and TPD, do you have any questions? Do you feel like those amounts are still appropriate for you?\n\nChannel 1: Yeah. I think that's fine.\n\nChannel 0: Yep. Yep. Perfect. And with your income protection, because you do have an income protection policy as well, that will pay you a monthly amount of 6,160 per month, which is good. You do have that ninety day waiting period, a two year benefit period.\n\nAll three are paid from within hub twenty four. You do get a 15% tax rebate. And after that, the total premium for all three is 1,581. Do you have any questions in regards to the income protection at all?\n\nChannel 1: I've just okay. I don't know a lot about it. Do they seem like normal figures?\n\nChannel 0: From a price point of view, it is actually a little bit cheaper, and that is because it is a stricter definition on the total permanent disability. So downside is a little bit harder to claim on, but then they do make it cheaper because of it. So, otherwise,\n\nChannel 1: You're\n\nChannel 0: when it comes through the amount of cover you have for for your age and especially occupation, because they do assess the base on occupation, it is quite competitive from a price point\n\nChannel 1: welcome.\n\nChannel 0: of view. With the income protection, the one thing you do also want to be mindful of is that, obviously, as your income change, you wanna make sure that still aligns with you or at least covers bills and expenses. So let me just check here. So with income protection, you can get up to 70% of your income covered. Now if your income is a 156, and that is pretty consistent, so insurance can assess bonuses and overtime if it's quite consistent.\n\nIf it fluctuates a lot, sometimes they only assess your your base rate. But if we assume a 156,000 at 70%, that could give you 9,100 per month. At the moment, you are covered for 6,160. So there is a bit of a gap. It doesn't mean that you have to increase it.\n\nJust something to be mindful of because at the same time, by increasing the cover, it means it costs more. But then at the same time, you also need to be mindful of, well, will 6,160 be okay for you and the family financially if you temporarily are unable to work?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. The one thing as well, so if you are wanting to look at potentially increasing, because an insurer's mind, they take on more risk. They'd have to go through that whole underwriting process again. And even though things are good for you at the moment with this stent and the time frame, they might not be able to look at it yet.\n\nChannel 1: Yeah. I'll just waive\n\nChannel 0: But\n\nChannel 1: it\n\nChannel 0: it\n\nChannel 1: then.\n\nChannel 0: yeah. Okay. If anything changes though, you can always let us know. It doesn't have to be on review. We can review it whenever you want to.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yeah. Okay. Perfect. Now, otherwise, basically, the last documents and you don't really have to see them. They are that if you want to go back, there was a new Oakview services guide.\n\nOne of those documents you would have seen a couple of times, just all the important information in regards to us here at Oakview. And then that ongoing service agreement, the one that you did sign, just so you know, that was obviously to say that you are happy to stay on as a client. Now the fee structure hasn't changed. It stays exactly the same for you at that 1.65 from super, and it is also not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract.\n\nBut by signing that, otherwise, it just allows us to manage all your investments and everything else for you in the meantime.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Do you have any questions in regards to any of those documents? So that's pretty straightforward.\n\nChannel 1: No. I think that's all pretty good.\n\nChannel 0: Yep. Okay. Perfect. So what I might do while I do have you on the phone is just to book in the follow-up score when I've done the research on your investments to see if we wanna potentially make some changes. So it will take me about a week to pull together all the research.\n\nSo when is a good time for you to kind of run through that? And it shouldn't take as long as today.\n\nChannel 1: Probably next Friday. I think that's\n\nChannel 0: Next Friday. I don't work Fridays, unfortunately. Do you you have any other times during the week?\n\nChannel 1: Monday afternoons.\n\nChannel 0: Okay. Let me have a little look here. Now I am fully booked, let me see, on this Monday, but I could do the following Monday on the August 31,\n\nChannel 1: Yeah.\n\nChannel 0: if that\n\nChannel 1: That\n\nChannel 0: works. Yep.\n\nChannel 1: should\n\nChannel 0: Okay. Now at the moment, I could do\n\nChannel 1: be\n\nChannel 0: either 1PM or three\n\nChannel 1: fine.\n\nChannel 0: PM. Would either of those work?\n\nChannel 1: Probably 1PM.\n\nChannel 0: 1PM? Okay. Beautiful. Actually, could I do 01:30?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yes? Okay. Well, I will book that in on Monday, August 31,\n\nChannel 1: fine.\n\nChannel 0: which\n\nChannel 1: Okay.\n\nChannel 0: is crazy that it's at the end of August already, for the presentation to go over if we do wanna make any changes to your investments. Now if anything does change and you can't make the appointment, just let me know and we can always get you rescheduled. But, otherwise, that is all booked in on Monday, August 31 at 01:30.\n\nChannel 1: Alright.\n\nChannel 0: Yep. Beautiful. Now, Daniel, do you have any other questions for me, otherwise, before I let you go and get on with your day?\n\nChannel 1: No. I think it's so\n\nChannel 0: No?\n\nChannel 1: pretty good.\n\nChannel 0: Yeah.\n\nChannel 1: I think\n\nChannel 0: Beautiful.\n\nChannel 1: would you say,\n\nChannel 0: What's\n\nChannel 1: like,\n\nChannel 0: that?\n\nChannel 1: I'm in a in a decent sport at the moment for my age and\n\nChannel 0: Yes. I think so. And part of the research, I'll I can go through and do kind of new updated projections and everything as well just to see how things are tracking. But from, obviously, age, you are in a good position. And when I do, obviously, it it comes down to how much if you're making extra contributions, how much you're getting from your employer.\n\nBecause you are a high income earner, you are getting a decent amount from your employer already. Everyone is quite individual and depends on how long you've been working. But when I do kind of just look at how much you have in Super versus other clients in a similar age to you, you are sitting in a good position. Yeah. Which is which is good.\n\nBut, yes, I'll go through things a little bit more detail on Monday the thirty first with you as well with those investments and\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: stuff. Yep. Beautiful. Well, thank you so much for your time this morning, Daniel, and I look forward to speaking with you at 01:30 on Monday the thirty first.\n\nChannel 1: Thank you.\n\nChannel 0: No worries. We're fixing. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.79999995,"end":1.12,"sentiment":"neutral","sentiment_score":0.04631400108337402},{"text":"Daniel speaking.","start":1.12,"end":2.02,"sentiment":"neutral","sentiment_score":0.049073975533246994}],"sentiment":"neutral","sentiment_score":0.048153984049956,"channel":1,"num_words":3,"start":0.79999995,"end":2.02},{"sentences":[{"text":"Good","start":2.48,"end":2.8,"sentiment":"positive","sentiment_score":0.3819444477558136}],"sentiment":"positive","sentiment_score":0.3819444477558136,"channel":0,"num_words":1,"start":2.48,"end":2.8},{"sentences":[{"text":"I'm","start":2.72,"end":3.04,"sentiment":"positive","sentiment_score":0.4590018689632416}],"sentiment":"positive","sentiment_score":0.4590018689632416,"channel":1,"num_words":1,"start":2.72,"end":3.04},{"sentences":[{"text":"morning,","start":2.8,"end":3.12,"sentiment":"positive","sentiment_score":0.56270432472229}],"sentiment":"positive","sentiment_score":0.56270432472229,"channel":0,"num_words":1,"start":2.8,"end":3.12},{"sentences":[{"text":"good.","start":3.04,"end":3.54,"sentiment":"positive","sentiment_score":0.6365094184875488}],"sentiment":"positive","sentiment_score":0.6365094184875488,"channel":1,"num_words":1,"start":3.04,"end":3.54},{"sentences":[{"text":"Daniel.","start":3.12,"end":3.4399998,"sentiment":"positive","sentiment_score":0.3358827233314514},{"text":"This is Veronica from x u Financial.","start":3.4399998,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.2991885670593807},{"text":"How are you?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.2212488055229187}],"sentiment":"neutral","sentiment_score":0.28126810084689746,"channel":0,"num_words":11,"start":3.12,"end":6.18},{"sentences":[{"text":"Good.","start":6.16,"end":6.3999996,"sentiment":"positive","sentiment_score":0.4408679008483886},{"text":"Thanks.","start":6.3999996,"end":6.64,"sentiment":"positive","sentiment_score":0.5190310478210449},{"text":"How are you?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.27709460258483887}],"sentiment":"positive","sentiment_score":0.35823655128479004,"channel":1,"num_words":5,"start":6.16,"end":7.54},{"sentences":[{"text":"I'm good.","start":7.7599998,"end":8.4,"sentiment":"positive","sentiment_score":0.5244447290897369},{"text":"Thanks.","start":8.4,"end":8.9,"sentiment":"positive","sentiment_score":0.6202083826065063},{"text":"I had you booked in this morning to go over your under review.","start":9.36,"end":12.24,"sentiment":"positive","sentiment_score":0.3440760374069214},{"text":"Is now still a good time for you?","start":12.24,"end":13.875,"sentiment":"neutral","sentiment_score":0.3104863539338112}],"sentiment":"positive","sentiment_score":0.3594157149394353,"channel":0,"num_words":24,"start":7.7599998,"end":13.875},{"sentences":[{"text":"Yeah.","start":13.945,"end":14.105,"sentiment":"neutral","sentiment_score":0.17736579477787018},{"text":"That's 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world.","start":948.435,"end":955.635,"sentiment":"neutral","sentiment_score":-0.05397410832345486},{"text":"And like you touched on, the last twelve months have been quite turbulent, which is also, like, expected short term in a high growth portfolio.","start":955.635,"end":963.67,"sentiment":"neutral","sentiment_score":-0.07716294527053832},{"text":"So at the moment, we have you in a high growth portfolio.","start":963.73,"end":966.63,"sentiment":"neutral","sentiment_score":0.01991651641825835},{"text":"Basically, what that means is that you are wanting to maximize growth in your super while you still have plenty of time, but also that you are comfortable with and understand that there will be ups and downs and market fluctuations depending on what is going on because you are in that kind of high high growth category.","start":968.29,"end":987.005,"sentiment":"neutral","sentiment_score":0.10402896557131718},{"text":"And when it comes through how your money is actually invested, we see 90% invested in a combination of your growth assets, which is your Australian shares, international shares, property, and commodities, and that is ultimately what is going to grow your super the most.","start":988.105,"end":1007.445,"sentiment":"neutral","sentiment_score":0.16802131103144752}],"sentiment":"neutral","sentiment_score":0.063970974889217,"channel":0,"num_words":165,"start":948.435,"end":1007.445},{"sentences":[{"text":"But then you also have about 10% in defensive.","start":1008.065,"end":1011.925,"sentiment":"neutral","sentiment_score":0.06962579323185815},{"text":"So that is like your cash, your your gold, your fixed interest to limit fluctuations a little bit, but that 90% does go to those growth investments.","start":1012.545,"end":1022.42,"sentiment":"neutral","sentiment_score":0.12052484380978125},{"text":"Would you","start":1023.68,"end":1024.24,"sentiment":"neutral","sentiment_score":0.043199572712183}],"sentiment":"neutral","sentiment_score":0.10440005440461009,"channel":0,"num_words":38,"start":1008.065,"end":1024.24},{"sentences":[{"text":"Yeah.","start":1023.97003,"end":1024.47,"sentiment":"neutral","sentiment_score":0.03310781344771385}],"sentiment":"neutral","sentiment_score":0.03310781344771385,"channel":1,"num_words":1,"start":1023.97003,"end":1024.47},{"sentences":[{"text":"say that you are still comfortable with the fluctuations given the time you have until retirement, Or do you feel like you might want to look at reducing the risk a little bit for you?","start":1024.24,"end":1036.715,"sentiment":"neutral","sentiment_score":0.12007928767374583},{"text":"Or what are your thoughts?","start":1036.715,"end":1037.9349,"sentiment":"neutral","sentiment_score":0.04699912816286087}],"sentiment":"neutral","sentiment_score":0.11094426773488522,"channel":0,"num_words":40,"start":1024.24,"end":1037.9349},{"sentences":[{"text":"I think I'd be okay at the moment where it is.","start":1040.25,"end":1042.41,"sentiment":"neutral","sentiment_score":0.2182612337849357},{"text":"Are you do you","start":1042.41,"end":1043.13,"sentiment":"neutral","sentiment_score":0.006667236797511578}],"sentiment":"neutral","sentiment_score":0.1618361679216226,"channel":1,"num_words":15,"start":1040.25,"end":1043.13},{"sentences":[{"text":"Yep.","start":1043.0349,"end":1043.5349,"sentiment":"neutral","sentiment_score":0.013179379515349863}],"sentiment":"neutral","sentiment_score":0.013179379515349863,"channel":0,"num_words":1,"start":1043.0349,"end":1043.5349},{"sentences":[{"text":"reckon?","start":1043.13,"end":1043.61,"sentiment":"neutral","sentiment_score":0.012125087901949884},{"text":"Like","start":1043.61,"end":1043.77,"sentiment":"neutral","sentiment_score":0.0002378169447183609}],"sentiment":"neutral","sentiment_score":0.006181452423334123,"channel":1,"num_words":2,"start":1043.13,"end":1043.77},{"sentences":[{"text":"It there is a few factors that plays into into role.","start":1045.6799,"end":1048.96,"sentiment":"neutral","sentiment_score":-0.013327719982374798},{"text":"So what we look at is time frame.","start":1048.96,"end":1052.82,"sentiment":"neutral","sentiment_score":0.026566391112282872},{"text":"Actually, what I might do, because it may makes a bit more sense.","start":1054.0,"end":1057.12,"sentiment":"neutral","sentiment_score":0.07969240815593646},{"text":"Do you have access to your emails?","start":1057.12,"end":1058.535,"sentiment":"neutral","sentiment_score":0.029153818796787943},{"text":"Yep.","start":1060.2151,"end":1060.535,"sentiment":"neutral","sentiment_score":0.0988973304629326}],"sentiment":"neutral","sentiment_score":0.03512253942899406,"channel":0,"num_words":40,"start":1045.6799,"end":1060.535},{"sentences":[{"text":"So what I have done is I have to send you an email with some documents to run through, and one","start":1060.535,"end":1065.5751,"sentiment":"neutral","sentiment_score":0.1463110542723111}],"sentiment":"neutral","sentiment_score":0.1463110542723111,"channel":0,"num_words":21,"start":1060.535,"end":1065.5751},{"sentences":[{"text":"Yep.","start":1065.555,"end":1066.055,"sentiment":"neutral","sentiment_score":0.1487971991300583}],"sentiment":"neutral","sentiment_score":0.1487971991300583,"channel":1,"num_words":1,"start":1065.555,"end":1066.055},{"sentences":[{"text":"of those attachments does kind of talk about and show market fluctuations, which will come in","start":1065.5751,"end":1070.775,"sentiment":"neutral","sentiment_score":0.17147824726998806}],"sentiment":"neutral","sentiment_score":0.17147824726998806,"channel":0,"num_words":16,"start":1065.5751,"end":1070.775},{"sentences":[{"text":"I I","start":1070.6699,"end":1070.83,"sentiment":"neutral","sentiment_score":0.19453925639390945}],"sentiment":"neutral","sentiment_score":0.19453925639390945,"channel":1,"num_words":2,"start":1070.6699,"end":1070.83},{"sentences":[{"text":"handy.","start":1070.775,"end":1071.275,"sentiment":"neutral","sentiment_score":0.1141929253935814}],"sentiment":"neutral","sentiment_score":0.1141929253935814,"channel":0,"num_words":1,"start":1070.775,"end":1071.275},{"sentences":[{"text":"got the I just signed one from you.","start":1070.83,"end":1072.51,"sentiment":"neutral","sentiment_score":0.08550640940666199},{"text":"Is that the one?","start":1072.51,"end":1073.4099,"sentiment":"neutral","sentiment_score":0.0799722708761692}],"sentiment":"neutral","sentiment_score":0.0836616965631644,"channel":1,"num_words":12,"start":1070.83,"end":1073.4099},{"sentences":[{"text":"Yes.","start":1073.975,"end":1074.475,"sentiment":"neutral","sentiment_score":0.3017004728317261},{"text":"That is perfect.","start":1076.08,"end":1076.7999,"sentiment":"positive","sentiment_score":0.6564220190048218},{"text":"Thank you for doing that.","start":1076.7999,"end":1078.1799,"sentiment":"positive","sentiment_score":0.7517330884933472},{"text":"But if you could jump into it for me, and I'll just kind of talk you through the documents if you can.","start":1079.36,"end":1085.54,"sentiment":"positive","sentiment_score":0.4062884815714576}],"sentiment":"positive","sentiment_score":0.4828380182866127,"channel":0,"num_words":31,"start":1073.975,"end":1085.54},{"sentences":[{"text":"Yep.","start":1086.075,"end":1086.575,"sentiment":"neutral","sentiment_score":0.15981879830360413}],"sentiment":"neutral","sentiment_score":0.15981879830360413,"channel":1,"num_words":1,"start":1086.075,"end":1086.575},{"sentences":[{"text":"And then let me know the documents you can","start":1096.985,"end":1101.12,"sentiment":"neutral","sentiment_score":0.15924638509750366}],"sentiment":"neutral","sentiment_score":0.15924638509750366,"channel":0,"num_words":9,"start":1096.985,"end":1101.12},{"sentences":[{"text":"I can see all of it.","start":1113.255,"end":1114.7151,"sentiment":"neutral","sentiment_score":0.16456577678521475}],"sentiment":"neutral","sentiment_score":0.16456577678521475,"channel":1,"num_words":6,"start":1113.255,"end":1114.7151},{"sentences":[{"text":"see.","start":1114.64,"end":1114.96,"sentiment":"neutral","sentiment_score":0.08283542096614838},{"text":"Yeah.","start":1114.96,"end":1115.28,"sentiment":"neutral","sentiment_score":0.17290756106376648},{"text":"Okay.","start":1115.28,"end":1115.6,"sentiment":"neutral","sentiment_score":0.3081204891204834},{"text":"Perfect.","start":1115.6,"end":1116.0,"sentiment":"positive","sentiment_score":0.51909339427948},{"text":"So to make it easy, you don't have to flip back and forth.","start":1116.0,"end":1118.865,"sentiment":"neutral","sentiment_score":0.32223594876436085}],"sentiment":"neutral","sentiment_score":0.31011907055097465,"channel":0,"num_words":17,"start":1114.64,"end":1118.865},{"sentences":[{"text":"We can start at this first document first, and it should show you a summary of superannuation and insurances.","start":1118.865,"end":1124.1649,"sentiment":"neutral","sentiment_score":0.24654497912055567}],"sentiment":"neutral","sentiment_score":0.24654497912055567,"channel":0,"num_words":19,"start":1118.865,"end":1124.1649},{"sentences":[{"text":"Let's","start":1127.0299,"end":1127.35,"sentiment":"neutral","sentiment_score":0.08700766414403915}],"sentiment":"neutral","sentiment_score":0.08700766414403915,"channel":1,"num_words":1,"start":1127.0299,"end":1127.35},{"sentences":[{"text":"Let","start":1127.1849,"end":1127.4249,"sentiment":"neutral","sentiment_score":0.07313378900289536}],"sentiment":"neutral","sentiment_score":0.07313378900289536,"channel":0,"num_words":1,"start":1127.1849,"end":1127.4249},{"sentences":[{"text":"just","start":1127.35,"end":1127.59,"sentiment":"neutral","sentiment_score":0.12013594806194304}],"sentiment":"neutral","sentiment_score":0.12013594806194304,"channel":1,"num_words":1,"start":1127.35,"end":1127.59},{"sentences":[{"text":"me know","start":1127.4249,"end":1127.6649,"sentiment":"neutral","sentiment_score":0.09029476344585419}],"sentiment":"neutral","sentiment_score":0.09029476344585419,"channel":0,"num_words":2,"start":1127.4249,"end":1127.6649},{"sentences":[{"text":"see.","start":1127.59,"end":1128.09,"sentiment":"neutral","sentiment_score":0.062294404953718185}],"sentiment":"neutral","sentiment_score":0.062294404953718185,"channel":1,"num_words":1,"start":1127.59,"end":1128.09},{"sentences":[{"text":"if you can see that one.","start":1127.6649,"end":1129.02,"sentiment":"neutral","sentiment_score":0.06413010818262894}],"sentiment":"neutral","sentiment_score":0.06413010818262894,"channel":0,"num_words":6,"start":1127.6649,"end":1129.02},{"sentences":[{"text":"Sorry.","start":1134.735,"end":1135.055,"sentiment":"neutral","sentiment_score":-0.09392040967941284},{"text":"It's just because I've already saw in it, it's now wanting me to book download it.","start":1135.055,"end":1138.835,"sentiment":"neutral","sentiment_score":-0.1351249637082219}],"sentiment":"neutral","sentiment_score":-0.13270116641240962,"channel":1,"num_words":17,"start":1134.735,"end":1138.835},{"sentences":[{"text":"Okay.","start":1139.98,"end":1140.48,"sentiment":"neutral","sentiment_score":0.100288487970829},{"text":"That's okay.","start":1141.02,"end":1141.84,"sentiment":"neutral","sentiment_score":0.16862661391496658},{"text":"If you want, I can just kind of run through it with you.","start":1141.98,"end":1144.995,"sentiment":"neutral","sentiment_score":0.22192111267493322},{"text":"And then if you wanted to download it later and have a look, you you can, if that will be easier.","start":1145.715,"end":1151.175,"sentiment":"neutral","sentiment_score":0.19039738320168995}],"sentiment":"neutral","sentiment_score":0.1978611142651455,"channel":0,"num_words":37,"start":1139.98,"end":1151.175},{"sentences":[{"text":"Okay.","start":1152.46,"end":1152.78,"sentiment":"neutral","sentiment_score":0.11290766298770905},{"text":"I've got it open now.","start":1152.78,"end":1153.66,"sentiment":"neutral","sentiment_score":0.14711932241916656},{"text":"So","start":1153.66,"end":1154.16,"sentiment":"neutral","sentiment_score":0.10839734971523284}],"sentiment":"neutral","sentiment_score":0.13670023211411067,"channel":1,"num_words":7,"start":1152.46,"end":1154.16},{"sentences":[{"text":"Okay.","start":1154.355,"end":1154.855,"sentiment":"neutral","sentiment_score":0.08279155194759369}],"sentiment":"neutral","sentiment_score":0.08279155194759369,"channel":0,"num_words":1,"start":1154.355,"end":1154.855},{"sentences":[{"text":"so for which which page did you want me to look at?","start":1155.58,"end":1157.66,"sentiment":"neutral","sentiment_score":0.030815992659578722},{"text":"Sorry.","start":1157.66,"end":1158.16,"sentiment":"neutral","sentiment_score":-0.05332799255847931}],"sentiment":"neutral","sentiment_score":0.024343378412035797,"channel":1,"num_words":13,"start":1155.58,"end":1158.16},{"sentences":[{"text":"If you wanna start from the top, the first document should say summary of superannuation and insurances.","start":1158.45,"end":1164.07,"sentiment":"neutral","sentiment_score":0.014779308043858585},{"text":"It should be all the way at the top.","start":1168.0499,"end":1169.59,"sentiment":"neutral","sentiment_score":0.05708149861958292}],"sentiment":"neutral","sentiment_score":0.029422374012378547,"channel":0,"num_words":26,"start":1158.45,"end":1169.59},{"sentences":[{"text":"Is that the Vanguard index chart?","start":1173.505,"end":1175.685,"sentiment":"neutral","sentiment_score":0.03015241709848245},{"text":"Alright.","start":1175.89,"end":1176.13,"sentiment":"neutral","sentiment_score":-0.0016872480046004057},{"text":"That's not","start":1176.13,"end":1176.37,"sentiment":"neutral","sentiment_score":-0.15446217358112335}],"sentiment":"neutral","sentiment_score":-0.014410788063994713,"channel":1,"num_words":9,"start":1173.505,"end":1176.37},{"sentences":[{"text":"We","start":1176.3049,"end":1176.465,"sentiment":"neutral","sentiment_score":-0.1250186264514923}],"sentiment":"neutral","sentiment_score":-0.1250186264514923,"channel":0,"num_words":1,"start":1176.3049,"end":1176.465},{"sentences":[{"text":"the","start":1176.37,"end":1176.87,"sentiment":"neutral","sentiment_score":-0.12805265188217163}],"sentiment":"neutral","sentiment_score":-0.12805265188217163,"channel":1,"num_words":1,"start":1176.37,"end":1176.87},{"sentences":[{"text":"can we can start we can start there because that's the one I kinda wanted to talk to you","start":1176.465,"end":1180.065,"sentiment":"neutral","sentiment_score":-0.07095410184640634}],"sentiment":"neutral","sentiment_score":-0.07095410184640634,"channel":0,"num_words":19,"start":1176.465,"end":1180.065},{"sentences":[{"text":"one.","start":1180.01,"end":1180.51,"sentiment":"neutral","sentiment_score":-0.04568401724100113}],"sentiment":"neutral","sentiment_score":-0.04568401724100113,"channel":1,"num_words":1,"start":1180.01,"end":1180.51},{"sentences":[{"text":"about.","start":1180.065,"end":1180.225,"sentiment":"neutral","sentiment_score":-0.014051862061023712},{"text":"I see if that's the one that you can see first anyway.","start":1180.225,"end":1183.125,"sentiment":"neutral","sentiment_score":0.002492627934164678}],"sentiment":"neutral","sentiment_score":0.0012199748576117249,"channel":0,"num_words":13,"start":1180.065,"end":1183.125},{"sentences":[{"text":"Yep.","start":1183.65,"end":1184.15,"sentiment":"neutral","sentiment_score":0.039822839200496674}],"sentiment":"neutral","sentiment_score":0.039822839200496674,"channel":1,"num_words":1,"start":1183.65,"end":1184.15},{"sentences":[{"text":"Yep.","start":1184.87,"end":1185.27,"sentiment":"neutral","sentiment_score":0.03545859456062317},{"text":"So this one here, do you remember seeing something like this before?","start":1185.27,"end":1189.53,"sentiment":"neutral","sentiment_score":0.01674644152323405}],"sentiment":"neutral","sentiment_score":0.01818583791072552,"channel":0,"num_words":13,"start":1184.87,"end":1189.53},{"sentences":[{"text":"Yeah.","start":1190.0499,"end":1190.37,"sentiment":"neutral","sentiment_score":0.024896495044231415},{"text":"I've said yeah.","start":1190.37,"end":1191.35,"sentiment":"neutral","sentiment_score":0.02197451889514923}],"sentiment":"neutral","sentiment_score":0.022705012932419777,"channel":1,"num_words":4,"start":1190.0499,"end":1191.35},{"sentences":[{"text":"Yeah.","start":1191.83,"end":1192.33,"sentiment":"neutral","sentiment_score":0.04531342536211014},{"text":"But, basically, what it shows is the market and historically what's happened.","start":1192.87,"end":1198.01,"sentiment":"neutral","sentiment_score":0.06925109587609768},{"text":"So it basically, it's a good visual representation, and it does show you from 1995 through to 2025.","start":1198.365,"end":1205.745,"sentiment":"neutral","sentiment_score":0.24735314605964553},{"text":"And you can see kind of all the ups and downs of the market in correlation through the different events that happened in the world.","start":1205.965,"end":1212.465,"sentiment":"neutral","sentiment_score":0.0733523117005825},{"text":"Now Vanguard does release one every year, which is great, and the next one is due to come out any day now because they do it at the end of their financial year.","start":1213.5599,"end":1221.9,"sentiment":"positive","sentiment_score":0.4538544208714456}],"sentiment":"neutral","sentiment_score":0.24876052681147381,"channel":0,"num_words":89,"start":1191.83,"end":1221.9},{"sentences":[{"text":"So what we look at when it comes through your risk profile, one of the factors is time frames.","start":1223.72,"end":1230.315,"sentiment":"neutral","sentiment_score":-0.03210303697146868},{"text":"So making sure that you have enough time in the market for these kind of ups and downs.","start":1230.535,"end":1235.4349,"sentiment":"neutral","sentiment_score":-0.09304587832755512},{"text":"Now when it comes through your high growth portfolio, like I mentioned, 90% of those growth one, that is your top four here.","start":1235.975,"end":1242.875,"sentiment":"neutral","sentiment_score":0.12457912156115407},{"text":"So you can see your light green, which is The US shares, your darker green, which is Australian shares, international shares, which is, like, the yellow, and then your maroon color, which is, like, the property.","start":1243.06,"end":1256.34,"sentiment":"neutral","sentiment_score":0.06896557845175266},{"text":"Can you see those?","start":1256.34,"end":1257.225,"sentiment":"neutral","sentiment_score":0.0369532173499465}],"sentiment":"neutral","sentiment_score":0.03211109977215529,"channel":0,"num_words":100,"start":1223.72,"end":1257.225},{"sentences":[{"text":"Yep.","start":1257.665,"end":1257.985,"sentiment":"neutral","sentiment_score":0.06475207209587097},{"text":"Yeah.","start":1257.985,"end":1258.305,"sentiment":"neutral","sentiment_score":0.10268323868513109},{"text":"The US","start":1258.305,"end":1258.7051,"sentiment":"neutral","sentiment_score":0.13461581617593765}],"sentiment":"neutral","sentiment_score":0.10916673578321934,"channel":1,"num_words":4,"start":1257.665,"end":1258.7051},{"sentences":[{"text":"Yep.","start":1258.585,"end":1259.085,"sentiment":"neutral","sentiment_score":0.11995669454336166}],"sentiment":"neutral","sentiment_score":0.11995669454336166,"channel":0,"num_words":1,"start":1258.585,"end":1259.085},{"sentences":[{"text":"shares seem to be okay.","start":1258.7051,"end":1260.005,"sentiment":"neutral","sentiment_score":0.1591448575258255}],"sentiment":"neutral","sentiment_score":0.1591448575258255,"channel":1,"num_words":5,"start":1258.7051,"end":1260.005},{"sentences":[{"text":"Yeah.","start":1260.745,"end":1261.245,"sentiment":"neutral","sentiment_score":0.1344849169254303},{"text":"So it does show you that if you look from 1995 and you just follow The US shares, you can see that that one fluctuates the most.","start":1261.465,"end":1269.785,"sentiment":"neutral","sentiment_score":0.10513327201759373},{"text":"But it also grows the most over the long term.","start":1269.785,"end":1272.525,"sentiment":"neutral","sentiment_score":0.1576742187142372},{"text":"So","start":1272.9199,"end":1273.24,"sentiment":"neutral","sentiment_score":0.15034475922584534}],"sentiment":"neutral","sentiment_score":0.1205171848145815,"channel":0,"num_words":39,"start":1260.745,"end":1273.24},{"sentences":[{"text":"Yeah.","start":1273.11,"end":1273.61,"sentiment":"neutral","sentiment_score":0.13225018978118896}],"sentiment":"neutral","sentiment_score":0.13225018978118896,"channel":1,"num_words":1,"start":1273.11,"end":1273.61},{"sentences":[{"text":"that's where, you know, time comes to play.","start":1273.24,"end":1276.5399,"sentiment":"neutral","sentiment_score":0.08594388328492641},{"text":"And, typically, clients in a similar age to yourself, we see in the high growth portfolio because you have plenty of times for these fluctuations.","start":1277.1599,"end":1286.38,"sentiment":"neutral","sentiment_score":0.12315663158893585},{"text":"So, yes, there will be times where things are fluctuating or things are down, but you can also see it always comes back around over the long term.","start":1286.685,"end":1294.625,"sentiment":"neutral","sentiment_score":0.08844801091722079},{"text":"It is just fluctuating kind of depending on the events of the world.","start":1294.8451,"end":1298.785,"sentiment":"neutral","sentiment_score":0.009468077753598873},{"text":"You can also see kind of from this trend here that often the biggest dips in the market are quite closely followed with kind of a a steep incline again.","start":1299.8999,"end":1310.1599,"sentiment":"neutral","sentiment_score":-0.12399035766720772}],"sentiment":"neutral","sentiment_score":0.025446013869861,"channel":0,"num_words":104,"start":1273.24,"end":1310.1599},{"sentences":[{"text":"So often where people kind of sell out when things are down, you you kind of miss that kind of comeback as well because they can happen very closely together.","start":1310.5399,"end":1320.6951,"sentiment":"neutral","sentiment_score":-0.20332934657732646},{"text":"Does that make sense?","start":1320.755,"end":1321.8151,"sentiment":"neutral","sentiment_score":0.023160602897405624}],"sentiment":"neutral","sentiment_score":-0.17668347016853445,"channel":0,"num_words":34,"start":1310.5399,"end":1321.8151},{"sentences":[{"text":"Yes.","start":1322.255,"end":1322.755,"sentiment":"neutral","sentiment_score":0.16198620200157166}],"sentiment":"neutral","sentiment_score":0.16198620200157166,"channel":1,"num_words":1,"start":1322.255,"end":1322.755},{"sentences":[{"text":"Yep.","start":1323.155,"end":1323.635,"sentiment":"neutral","sentiment_score":0.2487814873456955},{"text":"Perfect.","start":1323.635,"end":1324.115,"sentiment":"positive","sentiment_score":0.5495588779449463},{"text":"And in a high growth, we do ideally want to see at least eight years until retirement, making sure you have enough time for these kind of fluctuations.","start":1324.115,"end":1333.65,"sentiment":"positive","sentiment_score":0.3694123492709228},{"text":"So from a time frame point of view, you are in a good position in that high growth.","start":1334.27,"end":1338.85,"sentiment":"positive","sentiment_score":0.5653466516070895},{"text":"But aside from, obviously, time, it's also what you are comfortable 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IEs.","start":1343.9951,"end":1345.6151,"sentiment":"neutral","sentiment_score":0.1089507242043813}],"sentiment":"neutral","sentiment_score":0.1089507242043813,"channel":1,"num_words":6,"start":1343.9951,"end":1345.6151},{"sentences":[{"text":"yeah.","start":1346.985,"end":1347.485,"sentiment":"neutral","sentiment_score":0.09776295721530914},{"text":"I mean, you might be able to.","start":1347.5449,"end":1348.745,"sentiment":"neutral","sentiment_score":0.11225581062691552},{"text":"You just can't get your super yet.","start":1348.745,"end":1350.5249,"sentiment":"neutral","sentiment_score":0.06959605190370764},{"text":"But if you win the lottery, you might be able to stop working.","start":1350.6649,"end":1353.6449,"sentiment":"neutral","sentiment_score":-0.03240890944233307},{"text":"But Super is locked in until 60, at least, for 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suitable at least from a time frame in where you sit.","start":1381.1449,"end":1391.75,"sentiment":"neutral","sentiment_score":0.3005359871046884},{"text":"So there's kind","start":1391.75,"end":1392.47,"sentiment":"neutral","sentiment_score":0.10197447488705318}],"sentiment":"neutral","sentiment_score":0.1537453453513045,"channel":0,"num_words":102,"start":1358.82,"end":1392.47},{"sentences":[{"text":"Yeah.","start":1392.47,"end":1392.97,"sentiment":"neutral","sentiment_score":0.07947011291980743}],"sentiment":"neutral","sentiment_score":0.07947011291980743,"channel":1,"num_words":1,"start":1392.47,"end":1392.97},{"sentences":[{"text":"of, like,","start":1392.47,"end":1393.13,"sentiment":"neutral","sentiment_score":0.0892588160932064}],"sentiment":"neutral","sentiment_score":0.0892588160932064,"channel":0,"num_words":2,"start":1392.47,"end":1393.13},{"sentences":[{"text":"I'm 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can you see what document can you see?","start":1399.655,"end":1408.3151,"sentiment":"neutral","sentiment_score":0.042665354319308936}],"sentiment":"neutral","sentiment_score":0.05822853371500969,"channel":0,"num_words":21,"start":1396.71,"end":1408.3151},{"sentences":[{"text":"I can see six pages.","start":1408.52,"end":1409.7201,"sentiment":"neutral","sentiment_score":0.014296055585145951},{"text":"Is that is that what they should be?","start":1409.7201,"end":1412.06,"sentiment":"neutral","sentiment_score":0.022815965581685305}],"sentiment":"neutral","sentiment_score":0.01953907712147786,"channel":1,"num_words":13,"start":1408.52,"end":1412.06},{"sentences":[{"text":"There is six documents, but some of them have a few different pages.","start":1413.35,"end":1417.45,"sentiment":"neutral","sentiment_score":-0.026293496672923748}],"sentiment":"neutral","sentiment_score":-0.026293496672923748,"channel":0,"num_words":13,"start":1413.35,"end":1417.45},{"sentences":[{"text":"Oh, 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months.","start":1437.745,"end":1443.09,"sentiment":"neutral","sentiment_score":-0.07356667447657812},{"text":"Now in saying that though, when it comes to your superannuation balance, I know you said you thought that maybe things haven't grown, and you are still ahead from last year.","start":1445.07,"end":1456.265,"sentiment":"neutral","sentiment_score":0.09884572113233228},{"text":"So when we spoke last year, your super balance was at a 129,011, and now it's up at a 143,503.","start":1456.265,"end":1468.52,"sentiment":"neutral","sentiment_score":0.26261034086346624}],"sentiment":"neutral","sentiment_score":0.09119532380130264,"channel":0,"num_words":91,"start":1430.705,"end":1468.52},{"sentences":[{"text":"So despite fluctuations, it's still growing, which is good.","start":1469.14,"end":1473.5599,"sentiment":"positive","sentiment_score":0.4578676422437032},{"text":"In saying that though, I do want to look at potentially changing one of your 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it,","start":1509.555,"end":1513.175,"sentiment":"neutral","sentiment_score":-0.05896917157448255}],"sentiment":"neutral","sentiment_score":-0.005625311828528841,"channel":0,"num_words":36,"start":1499.89,"end":1513.175},{"sentences":[{"text":"Yep.","start":1513.735,"end":1514.235,"sentiment":"neutral","sentiment_score":-0.09751401841640472}],"sentiment":"neutral","sentiment_score":-0.09751401841640472,"channel":1,"num_words":1,"start":1513.735,"end":1514.235},{"sentences":[{"text":"that is underperforming a bit at the moment.","start":1513.875,"end":1516.29,"sentiment":"negative","sentiment_score":-0.36672651395201683},{"text":"So that one is down, and that is the one I would like to look at potentially changing for you in making sure that we always have you in the best options moving forward because things are always changing.","start":1516.37,"end":1527.43,"sentiment":"neutral","sentiment_score":-0.052671824128199846},{"text":"So the good thing with HUB twenty four is that there's 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you.","start":1545.24,"end":1560.155,"sentiment":"neutral","sentiment_score":-0.0845973607970447},{"text":"Does that make sense?","start":1560.155,"end":1561.215,"sentiment":"neutral","sentiment_score":0.05895301979035139}],"sentiment":"neutral","sentiment_score":-0.07183732696705394,"channel":0,"num_words":45,"start":1545.24,"end":1561.215},{"sentences":[{"text":"Yeah.","start":1561.4551,"end":1561.775,"sentiment":"neutral","sentiment_score":0.01492547895759344},{"text":"So which one are you talking","start":1561.775,"end":1562.975,"sentiment":"neutral","sentiment_score":-0.010121502292652925}],"sentiment":"neutral","sentiment_score":-0.0065433621140463015,"channel":1,"num_words":7,"start":1561.4551,"end":1562.975},{"sentences":[{"text":"Yeah.","start":1562.715,"end":1563.215,"sentiment":"neutral","sentiment_score":-0.01150077860802412}],"sentiment":"neutral","sentiment_score":-0.01150077860802412,"channel":0,"num_words":1,"start":1562.715,"end":1563.215},{"sentences":[{"text":"about 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19.68?","start":1597.4199,"end":1599.44,"sentiment":"neutral","sentiment_score":0.05281549505889416}],"sentiment":"neutral","sentiment_score":0.07735511958599091,"channel":1,"num_words":10,"start":1595.8999,"end":1599.44},{"sentences":[{"text":"Correct.","start":1599.9651,"end":1600.4651,"sentiment":"neutral","sentiment_score":0.06870248913764954}],"sentiment":"neutral","sentiment_score":0.06870248913764954,"channel":0,"num_words":1,"start":1599.9651,"end":1600.4651},{"sentences":[{"text":"So what should it be?","start":1601.1799,"end":1602.22,"sentiment":"neutral","sentiment_score":0.023230644688010216},{"text":"Like, what what do you want it to be at roughly?","start":1602.22,"end":1604.32,"sentiment":"neutral","sentiment_score":0.00950433203781193}],"sentiment":"neutral","sentiment_score":0.013793804740998894,"channel":1,"num_words":16,"start":1601.1799,"end":1604.32},{"sentences":[{"text":"It is hard to tell, so because things do fluctuate.","start":1606.49,"end":1610.2699,"sentiment":"neutral","sentiment_score":-0.1091790184378624},{"text":"So sometimes when an investment is down, we might not want to change it because things like in that graph we saw, things come back around.","start":1610.73,"end":1618.485,"sentiment":"neutral","sentiment_score":-0.18703081774023864},{"text":"But if we kind of do extensive research on an investment and we foresee things being a bit slower, so we've been along how that one is a little bit different to your other investments is that they are actively buying and selling different investments.","start":1619.045,"end":1633.545,"sentiment":"neutral","sentiment_score":-0.11131327988372909},{"text":"So and they have been very successful in doing so.","start":1633.93,"end":1636.67,"sentiment":"neutral","sentiment_score":0.19469138607382774},{"text":"But more recently, they've been a little bit slower in making their decisions, and one of the reasons why they are also down at the moment is that one of the investments that they have in their portfolio is the Corporate Travel Group.","start":1636.97,"end":1652.365,"sentiment":"neutral","sentiment_score":-0.2500494524490002}],"sentiment":"neutral","sentiment_score":-0.14752911667881616,"channel":0,"num_words":134,"start":1606.49,"end":1652.365},{"sentences":[{"text":"Have you ever heard of them?","start":1652.5851,"end":1653.9651,"sentiment":"neutral","sentiment_score":-0.04451723117381334}],"sentiment":"neutral","sentiment_score":-0.04451723117381334,"channel":0,"num_words":6,"start":1652.5851,"end":1653.9651},{"sentences":[{"text":"No.","start":1654.57,"end":1655.07,"sentiment":"neutral","sentiment_score":-0.2233281433582306}],"sentiment":"neutral","sentiment_score":-0.2233281433582306,"channel":1,"num_words":1,"start":1654.57,"end":1655.07},{"sentences":[{"text":"No.","start":1655.625,"end":1656.025,"sentiment":"neutral","sentiment_score":-0.23739132285118103},{"text":"So, essentially, that company had a bit of issues with that reporting, which actually meant that everything was put on pause.","start":1656.025,"end":1663.0,"sentiment":"negative","sentiment_score":-0.3488039587225233},{"text":"So they can't trade.","start":1663.14,"end":1665.2999,"sentiment":"negative","sentiment_score":-0.3522515818476677},{"text":"They can't do anything.","start":1665.2999,"end":1666.4199,"sentiment":"negative","sentiment_score":-0.3519156649708748},{"text":"So because it's kind of just on pause, you things are dropping.","start":1666.4199,"end":1671.96,"sentiment":"negative","sentiment_score":-0.3590474600593249}],"sentiment":"negative","sentiment_score":-0.3497026896192914,"channel":0,"num_words":42,"start":1655.625,"end":1671.96},{"sentences":[{"text":"So the good thing is that we can get you out of Bennelong because you are not invested in that particular company.","start":1672.34,"end":1678.285,"sentiment":"neutral","sentiment_score":0.07719742642207579},{"text":"So, obviously, the returns on Bennelong is has been impacted because of the company they had in their portfolio, but that doesn't mean that you are tied to it.","start":1678.505,"end":1687.545,"sentiment":"neutral","sentiment_score":-0.1498827736439376},{"text":"So we can switch you out of Bennelong if we find better options.","start":1687.545,"end":1691.005,"sentiment":"neutral","sentiment_score":-0.05464114363376911},{"text":"So what I will do as part of my research is considering your whole portfolio as a whole, the asset allocation, because we wanna still make sure everything is diversified and aligned for you.","start":1691.41,"end":1703.19,"sentiment":"neutral","sentiment_score":0.18814567432684057},{"text":"But if there is anyone that has performed better than Benelon, and that might even be a little bit cheaper, for 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time.","start":1719.4801,"end":1723.8201,"sentiment":"neutral","sentiment_score":0.2615410163998604},{"text":"And we wanna make sure that if there is something that is lagging a little bit, we don't obviously there's nothing tying us to Bennelong or anything else.","start":1724.3601,"end":1731.945,"sentiment":"neutral","sentiment_score":-0.028060836185302054}],"sentiment":"neutral","sentiment_score":0.09656835391895095,"channel":0,"num_words":67,"start":1712.0651,"end":1731.945},{"sentences":[{"text":"So if there's better options out there that we can put you in to make sure that your super grows more, and that's a bit more kind of stable moving forward, then we wanna do the research and look if that is going to be the best option for you.","start":1731.945,"end":1744.365,"sentiment":"neutral","sentiment_score":0.23983778595924377}],"sentiment":"neutral","sentiment_score":0.23983778595924377,"channel":0,"num_words":50,"start":1731.945,"end":1744.365},{"sentences":[{"text":"Yep.","start":1744.63,"end":1745.11,"sentiment":"neutral","sentiment_score":0.22238574922084808},{"text":"Sounds good to me.","start":1745.11,"end":1746.25,"sentiment":"positive","sentiment_score":0.38744527846574783}],"sentiment":"positive","sentiment_score":0.3544333726167679,"channel":1,"num_words":5,"start":1744.63,"end":1746.25},{"sentences":[{"text":"Yeah.","start":1745.84,"end":1746.34,"sentiment":"neutral","sentiment_score":0.30476534366607666},{"text":"Yeah.","start":1746.48,"end":1746.88,"sentiment":"positive","sentiment_score":0.3390648365020752},{"text":"Perfect.","start":1746.88,"end":1747.38,"sentiment":"positive","sentiment_score":0.42183852195739746},{"text":"But, otherwise, you can see that some of the investments have been pretty crazy.","start":1747.4401,"end":1751.62,"sentiment":"neutral","sentiment_score":0.11640475850020136},{"text":"You can see that there is one that's Asia fifty that has gone up about 47%, which is crazy.","start":1751.84,"end":1758.34,"sentiment":"neutral","sentiment_score":0.16045707738713214}],"sentiment":"neutral","sentiment_score":0.15955610531899664,"channel":0,"num_words":36,"start":1745.84,"end":1758.34},{"sentences":[{"text":"So there's a bit of a mix even though you are in that high growth portfolio.","start":1758.555,"end":1762.0951,"sentiment":"neutral","sentiment_score":0.08186947042122483},{"text":"But I'll go and do some research on the investments to see if we want to make any changes for you.","start":1762.2351,"end":1767.935,"sentiment":"neutral","sentiment_score":0.15087033630836577}],"sentiment":"neutral","sentiment_score":0.12103212403284537,"channel":0,"num_words":37,"start":1758.555,"end":1767.935},{"sentences":[{"text":"Yep.","start":1768.31,"end":1768.81,"sentiment":"neutral","sentiment_score":0.09911921620368958}],"sentiment":"neutral","sentiment_score":0.09911921620368958,"channel":1,"num_words":1,"start":1768.31,"end":1768.81},{"sentences":[{"text":"Yep.","start":1769.275,"end":1769.675,"sentiment":"neutral","sentiment_score":0.1421074420213699},{"text":"Perfect.","start":1769.675,"end":1770.175,"sentiment":"positive","sentiment_score":0.34242820739746094},{"text":"Now what are the other documents you can 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596,166.","start":1797.675,"end":1803.72,"sentiment":"neutral","sentiment_score":0.09091891845067342}],"sentiment":"neutral","sentiment_score":0.07491251590604685,"channel":0,"num_words":49,"start":1782.1599,"end":1803.72},{"sentences":[{"text":"With your total permanent disability as well, because you are in the insurance mind in a bit of a riskier occupation, you do have that other definition through the total permanent disability.","start":1805.32,"end":1818.22,"sentiment":"neutral","sentiment_score":0.02304541753255762},{"text":"So it is little bit stricter definition, and you have to meet the terms of kind of being, impaired and severe severely disabled in order to get the payout for the total permanent disability.","start":1818.36,"end":1833.035,"sentiment":"neutral","sentiment_score":-0.185708587660509},{"text":"Do you remember kind of going through that a little bit last year as 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point","start":1910.9349,"end":1921.735,"sentiment":"neutral","sentiment_score":0.09937884974660295}],"sentiment":"neutral","sentiment_score":0.09937884974660295,"channel":0,"num_words":33,"start":1910.9349,"end":1921.735},{"sentences":[{"text":"welcome.","start":1921.475,"end":1921.975,"sentiment":"neutral","sentiment_score":0.16304832696914673}],"sentiment":"neutral","sentiment_score":0.16304832696914673,"channel":1,"num_words":1,"start":1921.475,"end":1921.975},{"sentences":[{"text":"of view.","start":1921.735,"end":1922.3949,"sentiment":"neutral","sentiment_score":0.022351521998643875},{"text":"With the income protection, the one thing you do also want to be mindful of is that, obviously, as your income change, you wanna make sure that still aligns with you or at least covers bills and expenses.","start":1923.87,"end":1938.895,"sentiment":"neutral","sentiment_score":0.06174361137183089},{"text":"So let me just check 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anything changes though, you can always let us know.","start":2043.495,"end":2046.455,"sentiment":"neutral","sentiment_score":0.047782082855701444},{"text":"It doesn't have to be on review.","start":2046.455,"end":2047.735,"sentiment":"neutral","sentiment_score":0.028389088543398038},{"text":"We can review it whenever you want to.","start":2047.735,"end":2049.915,"sentiment":"neutral","sentiment_score":0.05250937910750508}],"sentiment":"neutral","sentiment_score":0.043785227462649345,"channel":0,"num_words":27,"start":2042.07,"end":2049.915},{"sentences":[{"text":"Yeah.","start":2050.035,"end":2050.435,"sentiment":"neutral","sentiment_score":0.049232907593250275},{"text":"No 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August already, for the presentation to go over if we do wanna make any changes to your investments.","start":2184.98,"end":2193.875,"sentiment":"neutral","sentiment_score":0.06859340332448483},{"text":"Now if anything does change and you can't make the appointment, just let me know and we can always get you rescheduled.","start":2194.895,"end":2201.155,"sentiment":"neutral","sentiment_score":0.05001801131716506},{"text":"But, otherwise, that is all booked in on Monday, August 31 at 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much you're getting from your employer.","start":2236.4702,"end":2243.4302,"sentiment":"neutral","sentiment_score":0.15472171548753977}],"sentiment":"neutral","sentiment_score":0.18998248513900873,"channel":0,"num_words":66,"start":2224.975,"end":2243.4302},{"sentences":[{"text":"Because you are a high income earner, you are getting a decent amount from your employer already.","start":2243.4302,"end":2248.8652,"sentiment":"positive","sentiment_score":0.48479530916494484},{"text":"Everyone is quite individual and depends on how long you've been working.","start":2249.965,"end":2254.385,"sentiment":"neutral","sentiment_score":0.1672437284141779},{"text":"But when I do kind of just look at how much you have in Super versus other clients in a similar age to you, you are sitting in a good 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They reviewed their income and assets, including their mortgage and property value. The customer discussed their financial goals and risk tolerance, including their health and retirement plans. They provided risk profile questionnaire and discussed their success in selling and buying different investments. The agent emphasized the importance of staying in the high growth portfolio for at least eight years and discussed the benefits of the insurance policy. They scheduled a follow-up appointment to discuss investment and retirement plans."},"intents":{"segments":[{"text":"I had you booked in this morning to go over your under review. Is now still a good time for you? Yeah.","start_word":26,"end_word":47,"intents":[{"intent":"Provide update","confidence_score":0.026949521}]},{"text":"Now just before I do go any further, I just need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay with you. Yeah.","start_word":52,"end_word":83,"intents":[{"intent":"Request confirmation","confidence_score":0.0062380307},{"intent":"Inform about call recording","confidence_score":0.0207461}]},{"text":"And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please?","start_word":88,"end_word":120,"intents":[{"intent":"Discuss personal information","confidence_score":0.0051244283},{"intent":"Confirm information","confidence_score":0.0034732},{"intent":"Confirm identity","confidence_score":0.6251862}]},{"text":"I just took the kids to Yeah. school, and I've just got termite people coming to check the house at the moment. Oh, yeah.","start_word":147,"end_word":170,"intents":[{"intent":"Discuss termite situation","confidence_score":0.026630534}]},{"text":"Well, I will try not to keep you for too long this morning. But before I kind of get started onto things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see where everything's at. Yeah.","start_word":177,"end_word":242,"intents":[{"intent":"Ask questions","confidence_score":0.1584167}]},{"text":"If you can ask just an update, I I don't really keep that much of a a tabs on it, really, to be honest. Yeah.","start_word":243,"end_word":267,"intents":[{"intent":"Recommend update","confidence_score":0.004041123}]},{"text":"Now what I might do first is just quickly run through just a bit of an updated fact find with you just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I run through this quickly.","start_word":308,"end_word":362,"intents":[{"intent":"Plan to run through fact find","confidence_score":0.002289907}]},{"text":"Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yeah.","start_word":364,"end_word":386,"intents":[{"intent":"Provide information","confidence_score":0.00016675821},{"intent":"Provide information","confidence_score":0.016235111}]},{"text":"And phone number ending in 817, that hasn't changed?","start_word":406,"end_word":414,"intents":[{"intent":"Confirm contact details","confidence_score":0.013113684}]},{"text":"Now when it comes to your employment, has any of that changed? Are you still working as a coal miner?","start_word":423,"end_word":442,"intents":[{"intent":"Confirm employment status","confidence_score":0.51202226}]},{"text":"Are you still working as a coal miner?","start_word":435,"end_word":442,"intents":[{"intent":"Confirm job details","confidence_score":0.009028122}]},{"text":"Same company, everything as well? Same.","start_word":451,"end_word":456,"intents":[{"intent":"Confirm company details","confidence_score":0.034215175},{"intent":"Confirm company information","confidence_score":0.013998239}]},{"text":"Now income wise, I have here about 130,000. Do you know if that's It's probably correct?","start_word":463,"end_word":478,"intents":[{"intent":"Confirm income","confidence_score":0.122206755},{"intent":"Confirm earnings","confidence_score":0.006483393}]},{"text":"And your employer pays superannuation contributions on that full amount?","start_word":574,"end_word":583,"intents":[{"intent":"Confirm employer contribution","confidence_score":0.035076633}]},{"text":"So it says here, the company will contribute 11.5% or or such higher amount as may be required by legislation from time to time of an employee's ordinary time earnings to an employee's compliant. Yeah.","start_word":698,"end_word":732,"intents":[{"intent":"Clarify payroll requirements","confidence_score":0.0043287086}]},{"text":"Oh, that's great. And any other changes to health or injuries or anything? No. No. Pretty good. No. That's great.","start_word":1349,"end_word":1368,"intents":[{"intent":"Express gratitude","confidence_score":0.019264456}]},{"text":"And do you have private health insurance? We don't currently.","start_word":1369,"end_word":1378,"intents":[{"intent":"Discuss health insurance","confidence_score":0.013652235}]},{"text":"Because as well, it does depend on your your family income. There's something to be mindful of is because you are classified as a high income earner. So, basically, from a medical levy surcharge point, have you heard of that before? Yeah.","start_word":1399,"end_word":1440,"intents":[{"intent":"Discuss family income","confidence_score":0.62189543},{"intent":"Discuss personal income","confidence_score":0.030248202}]},{"text":"So, basically, from a medical levy surcharge point, have you heard of that before? Yeah.","start_word":1426,"end_word":1440,"intents":[{"intent":"Discuss levy surcharge point","confidence_score":0.116655305}]},{"text":"And it also depends on like, there is a threshold, so you individually are over the threshold, but it counts as a family as well. So for an individual, it's a 100 and over 101,000. But, again, like you said, there is then a tiered structure, and sometimes it's better off just paying for a cheap policy. Sometimes it's not.","start_word":1478,"end_word":1537,"intents":[{"intent":"Discuss tiers","confidence_score":0.11897352}]},{"text":"for them to take it out of my tax at the end of the year rather than having to try and find the money each week. You know what I mean?","start_word":1566,"end_word":1596,"intents":[{"intent":"Discuss financial situation","confidence_score":0.0001582814}]},{"text":"for them to take it out of my tax at the end of the year rather than having to try and find the money each week. You know what I mean? Does that make sense? Yeah.","start_word":1566,"end_word":1601,"intents":[{"intent":"Discuss tax deduction","confidence_score":0.12212538},{"intent":"Discuss tax deduction","confidence_score":0.013097251},{"intent":"Discuss tax deduction","confidence_score":0.0276911}]},{"text":"I always seem to get a return, so there's always yeah.","start_word":1666,"end_word":1676,"intents":[{"intent":"Plan return","confidence_score":0.0008341627}]},{"text":"Even after I've paid, I still get a return usually.","start_word":1678,"end_word":1687,"intents":[{"intent":"Obtain return on investment","confidence_score":0.0016980475}]},{"text":"So it's all just multiple choice again to make it nice and easy and no right or wrong answer. Does that make sense? Yep.","start_word":2030,"end_word":2053,"intents":[{"intent":"Understand investment strategy","confidence_score":0.034918927}]},{"text":"And would you say that how you feel about market fluctuations has changed, or would you think everything is pretty much exactly the same as last year?","start_word":2130,"end_word":2156,"intents":[{"intent":"Understand market fluctuations","confidence_score":0.49830294}]},{"text":"Basically, what that means is that you are wanting to maximize growth in your super while you still have plenty of time, but also that you are comfortable with and understand that there will be ups and downs and market fluctuations depending on what is going on because you are in that kind of high high growth category.","start_word":2259,"end_word":2316,"intents":[{"intent":"Maximize growth","confidence_score":0.027800148}]},{"text":"say that you are still comfortable with the fluctuations given the time you have until retirement, Or do you feel like you might want to look at reducing the risk a little bit for you? Or what are your thoughts?","start_word":2402,"end_word":2441,"intents":[{"intent":"Ask about current situation","confidence_score":0.00005314905}]},{"text":"Do you have access to your emails?","start_word":2491,"end_word":2497,"intents":[{"intent":"Confirm access to emails","confidence_score":0.09479687},{"intent":"Explain access to documents","confidence_score":0.0014589394}]},{"text":"So what I have done is I have to send you an email with some documents to run through, and one Yep. of those attachments does kind of talk about and show market fluctuations, which will come in I I handy.","start_word":2499,"end_word":2539,"intents":[{"intent":"Provide documents","confidence_score":0.03277971}]},{"text":"Thank you for doing that. But if you could jump into it for me, and I'll just kind of talk you through the documents if you can. Yep.","start_word":2556,"end_word":2583,"intents":[{"intent":"Suggest navigating through documents","confidence_score":0.000070827795}]},{"text":"And then let me know the documents you can I can see all of it. see.","start_word":2584,"end_word":2599,"intents":[{"intent":"Confirm view of document","confidence_score":0.008090745}]},{"text":"If you want, I can just kind of run through it with you. And then if you wanted to download it later and have a look, you you can, if that will be easier. Okay.","start_word":2667,"end_word":2701,"intents":[{"intent":"Provide download options","confidence_score":0.0043951273},{"intent":"Ask about downloading process","confidence_score":0.0002759088}]},{"text":"so for which which page did you want me to look at?","start_word":2709,"end_word":2720,"intents":[{"intent":"Confirm page view","confidence_score":0.00019164135},{"intent":"Ask about title of document","confidence_score":0.00055457634}]},{"text":"so for which which page did you want me to look at? Sorry.","start_word":2709,"end_word":2721,"intents":[{"intent":"Inquire about page view","confidence_score":0.00047766653}]},{"text":"But, basically, what it shows is the market and historically what's happened. So it basically, it's a good visual representation, and it does show you from 1995 through to 2025. And you can see kind of all the ups and downs of the market in correlation through the different events that happened in the world.","start_word":2811,"end_word":2865,"intents":[{"intent":"Discuss market","confidence_score":0.047195703}]},{"text":"So what we look at when it comes through your risk profile, one of the factors is time frames.","start_word":2899,"end_word":2917,"intents":[{"intent":"Discuss risk profile","confidence_score":0.03840025}]},{"text":"So what we look at when it comes through your risk profile, one of the factors is time frames. So making sure that you have enough time in the market for these kind of ups and downs.","start_word":2899,"end_word":2935,"intents":[{"intent":"Understand time frames","confidence_score":0.0013754407},{"intent":"Discuss time frames","confidence_score":0.022750415}]},{"text":"Now when it comes through your high growth portfolio, like I mentioned, 90% of those growth one, that is your top four here. So you can see your light green, which is The US shares, your darker green, which is Australian shares, international shares, which is, like, the yellow, and then your maroon color, which is, like, the property. Can you see those?","start_word":2936,"end_word":2998,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.056375086},{"intent":"Discuss high growth portfolio","confidence_score":0.047263283},{"intent":"Discuss high growth portfolio","confidence_score":0.0415499},{"intent":"Discuss high growth portfolio","confidence_score":0.07377317}]},{"text":"So it does show you that if you look from 1995 and you just follow The US shares, you can see that that one fluctuates the most. But it also grows the most over the long term. So Yeah.","start_word":3010,"end_word":3048,"intents":[{"intent":"Explain market fluctuation","confidence_score":0.0023532622}]},{"text":"You can also see kind of from this trend here that often the biggest dips in the market are quite closely followed with kind of a a steep incline again. So often where people kind of sell out when things are down, you you kind of miss that kind of comeback as well because they can happen very closely together. Does that make sense? Yes.","start_word":3124,"end_word":3188,"intents":[{"intent":"Evaluate market trends","confidence_score":0.1161939}]},{"text":"In saying that though, I do want to look at potentially changing one of your investments.","start_word":3595,"end_word":3610,"intents":[{"intent":"Change investments","confidence_score":0.0415459}]},{"text":"So I would have to do all the research for you first and put it together in a proposal, but the one that I am looking at investing I'll I'll look at all of it, but the one that I am particularly interested is in your top one because that is the one that is underperforming Is that the Benelon every one or or the correct. beta global?","start_word":3850,"end_word":3917,"intents":[{"intent":"Discuss investment options","confidence_score":0.04019209}]},{"text":"So what I will do as part of my research is considering your whole portfolio as a whole, the asset allocation, because we wanna still make sure everything is diversified and aligned for you. But if there is anyone that has performed better than Benelon, and that might even be a little bit cheaper, for example. Yeah.","start_word":4226,"end_word":4282,"intents":[{"intent":"Analyze portfolios and align","confidence_score":0.00066377834}]},{"text":"But, otherwise, you can see that some of the investments have been pretty crazy. You can see that there is one that's Asia fifty that has gone up about 47%, which is crazy. So there's a bit of a mix even though you are in that high growth portfolio. But I'll go and do some research on the investments to see if we want to make any changes for you. Yep.","start_word":4407,"end_word":4477,"intents":[{"intent":"Investigate investments","confidence_score":0.01273442},{"intent":"Make changes for portfolio","confidence_score":0.013055046}]},{"text":"So just the ongoing service agreement, certificate Yep. of currency.","start_word":4490,"end_word":4499,"intents":[{"intent":"Discuss certificates and insurance coverage","confidence_score":0.00027854345}]},{"text":"So downside is a little bit harder to claim on, but then they do make it cheaper because of it.","start_word":4791,"end_word":4810,"intents":[{"intent":"Resolve income gaps","confidence_score":0.0000059697845}]},{"text":"Do you have any questions in regards to any of those documents?","start_word":5296,"end_word":5307,"intents":[{"intent":"Address customer concerns","confidence_score":0.0025004963}]},{"text":"So what I might do while I do have you on the phone is just to book in the follow-up score when I've done the research on your investments to see if we wanna potentially make some changes.","start_word":5323,"end_word":5360,"intents":[{"intent":"Book follow-up score","confidence_score":0.7175991}]},{"text":"So what I might do while I do have you on the phone is just to book in the follow-up score when I've done the research on your investments to see if we wanna potentially make some changes. So it will take me about a week to pull together all the research. So when is a good time for you to kind of run through that? And it shouldn't take as long as today. Probably next Friday.","start_word":5323,"end_word":5399,"intents":[{"intent":"Discuss investments and schedule meeting","confidence_score":0.00015501968}]},{"text":"Now, Daniel, do you have any other questions for me, otherwise, before I let you go and get on with your day? No.","start_word":5569,"end_word":5591,"intents":[{"intent":"Rearrange presentation and discuss questions","confidence_score":0.000053905627}]}]},"sentiments":{"segments":[{"text":"Hello. Daniel speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04968855157494545},{"text":"Good I'm morning, good. Daniel.","start_word":3,"end_word":7,"sentiment":"positive","sentiment_score":0.4829142987728119},{"text":"This is Veronica from x u Financial. How are you?","start_word":8,"end_word":17,"sentiment":"neutral","sentiment_score":0.2771558463573456},{"text":"Good. Thanks.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.4799494743347168},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.290937602519989},{"text":"I'm good. Thanks. I had you booked in this morning to go over your under review.","start_word":23,"end_word":38,"sentiment":"positive","sentiment_score":0.4112652838230133},{"text":"Is now still a good time for you? Yeah. That's fine. Yep.","start_word":39,"end_word":50,"sentiment":"neutral","sentiment_score":0.2777465879917145},{"text":"Perfect.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.45377835631370544},{"text":"Now just before I do go any further, I just need to let you know that the calls are being recorded for quality and coaching purposes, if that's okay with you. Yeah. No worries. Yep. Perfect. And just for security purposes, just so that I can confirm I'm speaking with the right person, could I please get you to confirm your full name, date of birth, and address, please? Daniel Lee, 6 For 9th 92, And 31 Circle Yep. Circuit In Mudgee. Yep. Perfect. And how's your morning been? Been busy? A little bit. Yeah. I just took the kids to Yeah. school, and I've just got termite people coming to check the house at the moment. Oh, yeah. Hopefully, nothing nothing too bad. No. Well, I will try not to keep you for too long this morning. But before I kind of get started onto things, I do like to start by asking if there is anything specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of an update and see where everything's at. Yeah. If you can ask just an update, I I don't really keep that much of a a tabs on it, really, to be honest. Yeah. No. That is no worries. So the annual review is a really good kind of touch point for kind of what's happened in the last twelve months and where is everything is at. So we'll definitely go through that today. Now what I might do first is just quickly run through just a bit of an updated fact find with you just to see if there is anything major that has changed, if we need to make any changes to your advice. So just kind of bear with me as I run through this quickly. Now when it comes to your personal information, I have you down here as married with three financial dependents. Is that correct? Yeah. That's right.","start_word":52,"end_word":387,"sentiment":"neutral","sentiment_score":0.052121610358534826},{"text":"Yep. Beautiful.","start_word":388,"end_word":389,"sentiment":"positive","sentiment_score":0.5574517250061035},{"text":"And next up, Ken, I have Amy Lee nominated. That's correct as well? Yep. Yep.","start_word":390,"end_word":404,"sentiment":"neutral","sentiment_score":0.2403518259525299},{"text":"Perfect.","start_word":405,"end_word":405,"sentiment":"positive","sentiment_score":0.3802330195903778},{"text":"And phone number ending in 817, that hasn't changed? That's the same still. Yep. Yep. Yep. Perfect. Now when it comes to your employment, has any of that changed? Are you still working as a coal miner? No. It's all the same still. Yep. Perfect. Same company, everything as well? Same. Yeah. All the same. Yeah. Great. Now income wise, I have here about 130,000. Do you know if that's It's probably correct? it's it's gone up since the last financial year. Mhmm. How I much can do you think? just give me two secs. I'll just look at my last the payslip. I can tell you what it was. Yeah.","start_word":406,"end_word":516,"sentiment":"neutral","sentiment_score":0.03448302671313286},{"text":"Perfect. Thank you.","start_word":517,"end_word":519,"sentiment":"positive","sentiment_score":0.35396620631217957},{"text":"So would it be it was So $1.56, roughly. Yep. Perfect. And does that include, like, bonuses? Is that pretty That consistent? that's everything. That's everything. Yes. Yeah. Okay. And do you think you would be roughly on past for that this financial year? Yeah. It would be about the same. Yep. Alright. Perfect. And your employer pays superannuation contributions on that full amount? I think it's only on thirty five hours. Yeah. Actually, I'm not too sure about that. Because I I should I know. had here no. That's okay. Because I had here as well that you have so last time we spoke, we we had your base income, which was at about 70, and then your full income was a 130, but that the employer contribution was only paid on your base, not overtime. But then if you do get bonuses, then you tend to get contributions on your bonus as well. I'm just I'm just looking up the, our EA. I might be able to just find it in there. Mhmm.","start_word":520,"end_word":694,"sentiment":"neutral","sentiment_score":0.02327758997678757},{"text":"That'll be great.","start_word":695,"end_word":697,"sentiment":"positive","sentiment_score":0.655754566192627},{"text":"So it says here, the company will contribute 11.5% or or such higher amount as may be required by legislation from time to time of an employee's ordinary time earnings to an employee's compliant. Yeah. So it's just ordinary time. So that'd be thirty five hours. And what would that equate to for your income? Do you know? Oh. As in, like, how much am I getting paid, like, each time they pay the super or for the whole More so just year? so, obviously, if you said on your thirty five hours, but, obviously, your 156,000 would be more than that. So out of the 156, do you know what portion is classified as your ordinary earnings? I guess it would be that 70,000, just the base 70? wage. Okay. Yep.","start_word":698,"end_word":829,"sentiment":"neutral","sentiment_score":0.017979245632886887},{"text":"Perfect.","start_word":830,"end_word":830,"sentiment":"positive","sentiment_score":0.3589842915534973},{"text":"So I can also triple check it in your superannuation as well. I can go through the transactions and just triple Yeah. check If that you if for you wanna you. do that, that'd be easier Yeah. probably. Yep. Perfect. And with the contribution minimum now, so that EBA might be a little bit outdated or potentially, like, the last two financial years because the minimum now is 12%. Yeah. That was So that was that from is '20 up. '20 that was from 2024. That so that's probably why. Yeah. Perfect.","start_word":831,"end_word":922,"sentiment":"neutral","sentiment_score":0.046534691005945206},{"text":"So that is good.","start_word":923,"end_word":926,"sentiment":"positive","sentiment_score":0.42932936549186707},{"text":"At least I paid up standard 12, and that is on your base of thirty five hours. That is no problem. Otherwise, you are not making additional contributions. Is that start from your employer? I'm just employee. I haven't I haven't added Yep. any. Yep. No. That is all void. And when it comes to your assets, so last time we spoke, you just sold the property and bought a new one. And I think I have the new one here. It was valued at about 875,000. Does that sound about right? Yeah. That's right. Yep. Perfect. And mortgage, I have about 6 Yeah. So that's probably, obviously, a little bit less now. 20. How much do you reckon roughly? So it's it's down to about $6.10 now.","start_word":927,"end_word":1054,"sentiment":"neutral","sentiment_score":0.01855286670615897},{"text":"Perfect.","start_word":1055,"end_word":1055,"sentiment":"positive","sentiment_score":0.44360220432281494},{"text":"10. Now I also have here True Motor Vehicles combined value at about 25,000. Yeah. That's probably Yep. about And I had here as well that you right had finance on the cost, but that was still. included in the mortgage. Yes. The mortgages is one Yep. payment. Yeah. I'm gonna Yep. list everything Perfect. in. Yep. Also, Sorry. Can I have to get on hold for two secs? sure. Yeah. No worries. Probably two yeah. Sorry. I'll be two secs.","start_word":1056,"end_word":1136,"sentiment":"neutral","sentiment_score":0.04622877016663551},{"text":"All good, Danielle.","start_word":1137,"end_word":1139,"sentiment":"positive","sentiment_score":0.4074070453643799},{"text":"Yeah. It won't be too long. I'm just gonna pay No. for this That's okay. Yeah. Take your time.","start_word":1140,"end_word":1158,"sentiment":"neutral","sentiment_score":0.07549279928207397},{"text":"Thanks.","start_word":1159,"end_word":1159,"sentiment":"positive","sentiment_score":0.3542925715446472},{"text":"No. All good. Sorry. I'm back. All good. No worries. Now let me see here. Any other assets, though, I have cash in the bank about 4,000. That's about 6 at the moment. Yeah. But that's that's changes weekly. Yeah. It's not all good. Any other new assets, like any motorbikes or boats or anything else? No. Nothing really. Nothing No. like that. No. Perfect. And any other liabilities, like personal loans, credit cards, ZipPay? No. I think it's all pretty much No. clear. Yep. Perfect. And when it comes to health and life style, I have you down here as a nonsmoker. That's still the case? Yep. That's still the case. Yep. Perfect. And in regards to your health, I know that, again, last time we spoke, you were off work for about a month or so, had a stent put in, but you kind of just were getting back to work. So, How yeah, is that I've been all I've going? been back at being back at work full time. So ever since, I'm fine now.","start_word":1160,"end_word":1337,"sentiment":"neutral","sentiment_score":0.01420709677040577},{"text":"Oh, Been beautiful. having like, my last update was good. Yep. Oh, that's great.","start_word":1338,"end_word":1351,"sentiment":"positive","sentiment_score":0.5031387891088214},{"text":"And any other changes to health or injuries or anything? No. No. Pretty good. No.","start_word":1352,"end_word":1366,"sentiment":"neutral","sentiment_score":0.16291563212871552},{"text":"That's great.","start_word":1367,"end_word":1368,"sentiment":"positive","sentiment_score":0.4493999481201172},{"text":"And do you have private health insurance? We don't currently. No. Okay. And with your wife as well, is she working at the moment? Yeah. She is. Yep. Yep. Okay. Because as well, it does depend on your your family income. There's something to be mindful of is because you are classified as a high income earner. So, basically, from a medical levy surcharge point, have you heard of that before? Yeah. I sort of have looked into a little bit, but Mhmm. I think it's roughly about the same anyway. Look. I Okay. I should probably Yeah. should get it. I've just been a bit lazy. That's okay. And it also depends on like, there is a threshold, so you individually are over the threshold, but it counts as a family as well. So for an individual, it's a 100 and over 101,000. But, again, like you said, there is then a tiered structure, and sometimes it's better off just paying for a cheap policy. Sometimes it's not. So, obviously, it depends. But for a family, it's 202. I just And found then you it. do mhmm. I was just because I find it easiest Yeah. for them to take it out of my tax at the end of the year rather than having to try and find the money each week. You know what I mean? Does that make sense? Yeah. And and so many people are the same. I do like to mention it because sometimes people, like, their accountant haven't told them, so they just don't know. Yeah. But it is something you're aware of, which is good. And, yeah, sometimes sometimes it's cheaper to just pay the tax, and like you said, then you don't have to Yeah. worry Well, about it. I always seem to get a return, so there's always yeah. Even after I've paid, I still get a return usually.","start_word":1369,"end_word":1686,"sentiment":"neutral","sentiment_score":0.05515717916518637},{"text":"So Oh, that's yeah. pretty good. Okay. Yeah. Oh, that's good.","start_word":1687,"end_word":1697,"sentiment":"positive","sentiment_score":0.5278270244598389},{"text":"And when it comes to estate planning, do you have a will or power of attorney or anything like that in place? Amy and I have a will. Yep.","start_word":1698,"end_word":1726,"sentiment":"neutral","sentiment_score":0.08136472851037979},{"text":"Perfect.","start_word":1727,"end_word":1727,"sentiment":"positive","sentiment_score":0.3707218170166016},{"text":"And do you know if you made a nomination for power of attorney at the same time with the will? Yeah. We would've. Yep. Okay. Perfect. That's fine. But at the moment, you don't have anyone who obviously makes any financial decisions on your behalf? No. It's just off at the moment. No. Yep. Perfect. And when it comes to a beneficiary, so for your super in insurance, I have it going to Amy at a 100%. Is that still the case as well? Yep. Yep.","start_word":1728,"end_word":1813,"sentiment":"neutral","sentiment_score":0.031468987464904785},{"text":"Beautiful. And because she is your spouse, it would go tax free to her, which is great.","start_word":1814,"end_word":1830,"sentiment":"positive","sentiment_score":0.523500919342041},{"text":"Yep.","start_word":1831,"end_word":1831,"sentiment":"neutral","sentiment_score":0.27638304233551025},{"text":"Perfect.","start_word":1832,"end_word":1832,"sentiment":"positive","sentiment_score":0.4317219257354736},{"text":"Now, otherwise, when it comes to, I guess, goals, the stuff that you are working towards so that you are wanting to achieve, during under review is sometimes a good point to just kind of touch base and see, is that still your goals? Has anything changed? Is there anything else you're working towards? And last time we spoke, you were just kind of, yeah, in the middle of selling the property, moving into the new one. So that was kind of the main focus. But is there anything you guys are working towards in the next couple of years financially or non financially? We just wanna set we just want a bit of money to put a bit of an extension on the house, but other than that, Yep. yeah, just save them the holidays, and that's about it, Yeah. really. Yeah. No. Beautiful. Now when it comes through superannuation as well, what I will do is just quickly run through just a bit of an updated risk profile questionnaire with you, Daniel, just to see if there is anything major that has changed, if we need to make any changes to your risk tolerance.","start_word":1833,"end_word":2028,"sentiment":"neutral","sentiment_score":0.07764361798763275},{"text":"So it's all just multiple choice again to make it nice and easy and no right or wrong answer.","start_word":2029,"end_word":2047,"sentiment":"positive","sentiment_score":0.41233229637146},{"text":"Does that make sense? Yep. Yep.","start_word":2048,"end_word":2053,"sentiment":"neutral","sentiment_score":0.2421417087316513},{"text":"Perfect.","start_word":2054,"end_word":2054,"sentiment":"positive","sentiment_score":0.645115852355957},{"text":"Now when it comes to the level of risk that you are comfortable with taking for your superannuation, would you say that you are willing to accept very high risk, high, moderate, or a small amount of risk for your superannuation? Last Last time, I just said the the middle one, the high moderate. So Yes. I'll probably Yep. just You yeah. did. I'll probably just stick with that again for now. Six yep.","start_word":2055,"end_word":2128,"sentiment":"neutral","sentiment_score":0.08316273987293243},{"text":"Perfect.","start_word":2129,"end_word":2129,"sentiment":"positive","sentiment_score":0.4978557825088501},{"text":"And would you say that how you feel about market fluctuations has changed, or would you think everything is pretty much exactly the same as last year? I would say it has changed with the war on that. Mhmm. So would Yeah. you So say you're a bit more defensive? Or oh, I'd say I'm probably in a worse spot now. I can't imagine it'd be better. and in terms of so, obviously, for superannuation, because it is a long term investment, obviously, depending on what is going on in the world. And like you touched on, the last twelve months have been quite turbulent, which is also, like, expected short term in a high growth portfolio. So at the moment, we have you in a high growth portfolio. Basically, what that means is that you are wanting to maximize growth in your super while you still have plenty of time, but also that you are comfortable with and understand that there will be ups and downs and market fluctuations depending on what is going on because you are in that kind of high high growth category. And when it comes through how your money is actually invested, we see 90% invested in a combination of your growth assets, which is your Australian shares, international shares, property, and commodities, and that is ultimately what is going to grow your super the most. But then you also have about 10% in defensive. So that is like your cash, your your gold, your fixed interest to limit fluctuations a little bit, but that 90% does go to those growth investments. Would you Yeah. say that you are still comfortable with the fluctuations given the time you have until retirement, Or do you feel like you might want to look at reducing the risk a little bit for you? Or what are your thoughts? I think I'd be okay at the moment where it is. Are you do you Yep. reckon? Like It there is a few factors that plays into into role. So what we look at is time frame. Actually, what I might do, because it may makes a bit more sense. Do you have access to your emails? Yep. So what I have done is I have to send you an email with some documents to run through, and one Yep. of those attachments does kind of talk about and show market fluctuations, which will come in I I handy. got the I just signed one from you. Is that the one? Yes.","start_word":2130,"end_word":2552,"sentiment":"neutral","sentiment_score":0.04623365713763392},{"text":"That is perfect. Thank you for doing that. But if you could jump into it for me, and I'll just kind of talk you through the documents if you can.","start_word":2553,"end_word":2582,"sentiment":"positive","sentiment_score":0.4876307547092438},{"text":"Yep. And then let me know the documents you can I can see all of it. see. Yeah. Okay.","start_word":2583,"end_word":2601,"sentiment":"neutral","sentiment_score":0.16678084433078766},{"text":"Perfect.","start_word":2602,"end_word":2602,"sentiment":"positive","sentiment_score":0.51909339427948},{"text":"So to make it easy, you don't have to flip back and forth. We can start at this first document first, and it should show you a summary of superannuation and insurances. Let's Let just me know see. if you can see that one. Sorry. It's just because I've already saw in it, it's now wanting me to book download it. Okay. That's okay. If you want, I can just kind of run through it with you. And then if you wanted to download it later and have a look, you you can, if that will be easier. Okay. I've got it open now. So Okay. so for which which page did you want me to look at? Sorry. If you wanna start from the top, the first document should say summary of superannuation and insurances. It should be all the way at the top. Is that the Vanguard index chart? Alright. That's not We the can we can start we can start there because that's the one I kinda wanted to talk to you one. about. I see if that's the one that you can see first anyway. Yep. Yep. So this one here, do you remember seeing something like this before? Yeah. I've said yeah. Yeah. But, basically, what it shows is the market and historically what's happened. So it basically, it's a good visual representation, and it does show you from 1995 through to 2025. And you can see kind of all the ups and downs of the market in correlation through the different events that happened in the world.","start_word":2603,"end_word":2865,"sentiment":"neutral","sentiment_score":0.08479233128602967},{"text":"Now Vanguard does release one every year, which is great, and the next one is due to come out any day now because they do it at the end of their financial year.","start_word":2866,"end_word":2898,"sentiment":"positive","sentiment_score":0.4587658643722534},{"text":"So what we look at when it comes through your risk profile, one of the factors is time frames. So making sure that you have enough time in the market for these kind of ups and downs. Now when it comes through your high growth portfolio, like I mentioned, 90% of those growth one, that is your top four here. So you can see your light green, which is The US shares, your darker green, which is Australian shares, international shares, which is, like, the yellow, and then your maroon color, which is, like, the property. Can you see those? Yep. Yeah. The US Yep. shares seem to be okay. Yeah. So it does show you that if you look from 1995 and you just follow The US shares, you can see that that one fluctuates the most. But it also grows the most over the long term. So Yeah. that's where, you know, time comes to play. And, typically, clients in a similar age to yourself, we see in the high growth portfolio because you have plenty of times for these fluctuations. So, yes, there will be times where things are fluctuating or things are down, but you can also see it always comes back around over the long term. It is just fluctuating kind of depending on the events of the world. You can also see kind of from this trend here that often the biggest dips in the market are quite closely followed with kind of a a steep incline again. So often where people kind of sell out when things are down, you you kind of miss that kind of comeback as well because they can happen very closely together. Does that make sense? Yes. Yep.","start_word":2899,"end_word":3188,"sentiment":"neutral","sentiment_score":0.024527494557972613},{"text":"Perfect. And in a high growth, we do ideally want to see at least eight years until retirement, making sure you have enough time for these kind of fluctuations. So from a time frame point of view, you are in a good position in that high growth.","start_word":3189,"end_word":3235,"sentiment":"positive","sentiment_score":0.4527972936630249},{"text":"But aside from, obviously, time, it's also what you are comfortable with. Yeah. So We shot the batar in IEs. yeah. I mean, you might be able to. You just can't get your super yet. But if you win the lottery, you might be able to stop working. But Super is locked in until 60, at least, for now. So, yes, it's also the fluctuations. So if you see a short term down, things on as, you know, fluctuating a lot more, If it was something you kept an eye on a lot, you might see throughout the year a bit of those fluctuations. If that is something that you are concerned about, then we could look at reducing the risk for you. But if you feel like well, as long as long term, it continues to grow and move forward, then a high growth portfolio is suitable at least from a time frame in where you sit. So there's kind of, Yeah. like, I'm pretty the comfortable different just components. staying in the in the Yes. high. Yep. Perfect. Now where you are in the documents, if you scroll up, can you see what document can you see? I can see six pages. Is that is that what they should be? There is six documents, but some of them have a few different pages. Oh, okay. Sorry. So I can They should I can Yep. see, like, the outgoing service agreement, certificate of currency, Yep. performance report? Yes. If you wanna stop there, for example, we can Yep. talk about that one. So the performance with IRR, it shows you your portfolio over the last twelve months. So, obviously, like you touched on, we have seen a bit of fluctuations in the market over the last twelve months. Now in saying that though, when it comes to your superannuation balance, I know you said you thought that maybe things haven't grown, and you are still ahead from last year. So when we spoke last year, your super balance was at a 129,011, and now it's up at a 143,503. So despite fluctuations, it's still growing, which is good. In saying that though, I do want to look at potentially changing one of your investments. So if you are in this document, can you see the second column to the right where it says internal rate of return? No. I can't. Oh, sorry. Yes. I can. Yeah. Yep. Yes? Okay. Perfect. You see, like, the percentage? Yep. Like, the numbers? Yep. So what this is, it represents in the last twelve months the performance on each of your individual investments. So the one at the top that has the bracket next to it, Yep.","start_word":3236,"end_word":3689,"sentiment":"neutral","sentiment_score":0.0874917032894584},{"text":"that is underperforming a bit at the moment.","start_word":3690,"end_word":3697,"sentiment":"negative","sentiment_score":-0.3674997389316559},{"text":"So that one is down, and that is the one I would like to look at potentially changing for you in making sure that we always have you in the best options moving forward because things are always changing. So the good thing with HUB twenty four is that there's hundreds of different options for us to choose from, and things aren't always going to stay the same. So with your super, as much as we don't day trade, we invest in the long term. At the same time, we do wanna take that proactive approach. And if we foresee one investment being a little bit slower or might not the best option or there's better alternatives out there, then we wanna make sure that we do the research and potentially look at changing things for you. Does that make sense? Yeah. So which one are you talking Yeah. about changing? So I would have to do all the research for you first and put it together in a proposal, but the one that I am looking at investing I'll I'll look at all of it, but the one that I am particularly interested is in your top one because that is the one that is underperforming Is that the Benelon every one or or the correct. beta global? Oh, Benelon. Correct. Yep. The Benelon. Yeah. So that is the one you can see on the percentage column here that that one is down.","start_word":3698,"end_word":3941,"sentiment":"neutral","sentiment_score":0.04239154904012064},{"text":"Everything else you can see are doing pretty good.","start_word":3942,"end_word":3950,"sentiment":"positive","sentiment_score":0.4757707715034485},{"text":"Which percentage are you talking about? Is that the 19.68? Correct. So what should it be? Like, what what do you want it to be at roughly? It is hard to tell, so because things do fluctuate. So sometimes when an investment is down, we might not want to change it because things like in that graph we saw, things come back around. But if we kind of do extensive research on an investment and we foresee things being a bit slower, so we've been along how that one is a little bit different to your other investments is that they are actively buying and selling different investments. So and they have been very successful in doing so. But more recently, they've been a little bit slower in making their decisions, and one of the reasons why they are also down at the moment is that one of the investments that they have in their portfolio is the Corporate Travel Group. Have you ever heard of them? No. No.","start_word":3951,"end_word":4119,"sentiment":"neutral","sentiment_score":-0.11317334324121477},{"text":"So, essentially, that company had a bit of issues with that reporting, which actually meant that everything was put on pause. So they can't trade. They can't do anything. So because it's kind of just on pause, you things are dropping.","start_word":4120,"end_word":4160,"sentiment":"negative","sentiment_score":-0.35016191005706787},{"text":"So the good thing is that we can get you out of Bennelong because you are not invested in that particular company. So, obviously, the returns on Bennelong is has been impacted because of the company they had in their portfolio, but that doesn't mean that you are tied to it. So we can switch you out of Bennelong if we find better options. So what I will do as part of my research is considering your whole portfolio as a whole, the asset allocation, because we wanna still make sure everything is diversified and aligned for you. But if there is anyone that has performed better than Benelon, and that might even be a little bit cheaper, for example. Yeah. Yeah. That was probably a long answer, but there is a lot that goes into it. And it doesn't cost you anything extra. It's all part of the service, and we do look at the investments all the time. And we wanna make sure that if there is something that is lagging a little bit, we don't obviously there's nothing tying us to Bennelong or anything else. So if there's better options out there that we can put you in to make sure that your super grows more, and that's a bit more kind of stable moving forward, then we wanna do the research and look if that is going to be the best option for you. Yep.","start_word":4161,"end_word":4399,"sentiment":"neutral","sentiment_score":0.09416204242027952},{"text":"Sounds good to me.","start_word":4400,"end_word":4403,"sentiment":"positive","sentiment_score":0.3881390988826752},{"text":"Yeah.","start_word":4404,"end_word":4404,"sentiment":"neutral","sentiment_score":0.30476534366607666},{"text":"Yeah. Perfect.","start_word":4405,"end_word":4406,"sentiment":"positive","sentiment_score":0.38045167922973633},{"text":"But, otherwise, you can see that some of the investments have been pretty crazy. You can see that there is one that's Asia fifty that has gone up about 47%, which is crazy. So there's a bit of a mix even though you are in that high growth portfolio. But I'll go and do some research on the investments to see if we want to make any changes for you. Yep. Yep.","start_word":4407,"end_word":4478,"sentiment":"neutral","sentiment_score":0.13017654418945312},{"text":"Perfect.","start_word":4479,"end_word":4479,"sentiment":"positive","sentiment_score":0.34242820739746094},{"text":"Now what are the other documents you can see? Yes. So just the ongoing service agreement, certificate Yep. of currency. Yep. So certificate of currency breaks down your insurances in a bit more info in a bit more detail. Essentially, when it comes to your insurances, you have three policies. So you have your life and your total permanent disability. Now at the moment, you are covered for 596,166. With your total permanent disability as well, because you are in the insurance mind in a bit of a riskier occupation, you do have that other definition through the total permanent disability. So it is little bit stricter definition, and you have to meet the terms of kind of being, impaired and severe severely disabled in order to get the payout for the total permanent disability. Do you remember kind of going through that a little bit last year as well? Yeah. I think so. Yep.","start_word":4480,"end_word":4634,"sentiment":"neutral","sentiment_score":-0.006292273777146493},{"text":"Perfect.","start_word":4635,"end_word":4635,"sentiment":"positive","sentiment_score":0.5874634385108948},{"text":"Now with your life and TPD, do you have any questions? Do you feel like those amounts are still appropriate for you? Yeah. I think that's fine. Yep. Yep.","start_word":4636,"end_word":4664,"sentiment":"neutral","sentiment_score":0.22390885651111603},{"text":"Perfect. And with your income protection, because you do have an income protection policy as well, that will pay you a monthly amount of 6,160 per month, which is good. You do have that ninety day waiting period, a two year benefit period.","start_word":4665,"end_word":4707,"sentiment":"positive","sentiment_score":0.4015029072761536},{"text":"All three are paid from within hub twenty four. You do get a 15% tax rebate. And after that, the total premium for all three is 1,581. Do you have any questions in regards to the income protection at all? I've just okay. I don't know a lot about it. Do they seem like normal figures? From a price point of view, it is actually a little bit cheaper, and that is because it is a stricter definition on the total permanent disability. So downside is a little bit harder to claim on, but then they do make it cheaper because of it. So, otherwise, You're when it comes through the amount of cover you have for for your age and especially occupation, because they do assess the base on occupation, it is quite competitive from a price point welcome. of view. With the income protection, the one thing you do also want to be mindful of is that, obviously, as your income change, you wanna make sure that still aligns with you or at least covers bills and expenses. So let me just check here. So with income protection, you can get up to 70% of your income covered. Now if your income is a 156, and that is pretty consistent, so insurance can assess bonuses and overtime if it's quite consistent. If it fluctuates a lot, sometimes they only assess your your base rate. But if we assume a 156,000 at 70%, that could give you 9,100 per month. At the moment, you are covered for 6,160. So there is a bit of a gap. It doesn't mean that you have to increase it. Just something to be mindful of because at the same time, by increasing the cover, it means it costs more. But then at the same time, you also need to be mindful of, well, will 6,160 be okay for you and the family financially if you temporarily are unable to work? Yeah. Okay. Yep. The one thing as well, so if you are wanting to look at potentially increasing, because an insurer's mind, they take on more risk. They'd have to go through that whole underwriting process again. And even though things are good for you at the moment with this stent and the time frame, they might not be able to look at it yet. Yeah. I'll just But waive it it then. yeah. Okay. If anything changes though, you can always let us know. It doesn't have to be on review. We can review it whenever you want to. Yeah. No worries. Yeah. Okay.","start_word":4708,"end_word":5139,"sentiment":"neutral","sentiment_score":0.028506950660677696},{"text":"Perfect.","start_word":5140,"end_word":5140,"sentiment":"positive","sentiment_score":0.4420484900474548},{"text":"Now, otherwise, basically, the last documents and you don't really have to see them. They are that if you want to go back, there was a new Oakview services guide. One of those documents you would have seen a couple of times, just all the important information in regards to us here at Oakview. And then that ongoing service agreement, the one that you did sign, just so you know, that was obviously to say that you are happy to stay on as a client. Now the fee structure hasn't changed. It stays exactly the same for you at that 1.65 from super, and it is also not a lock in contract. So if at any point in time, you are not happy, it is not a lock in contract. But by signing that, otherwise, it just allows us to manage all your investments and everything else for you in the meantime. Yep. No worries. Do you have any questions in regards to any of those documents? So that's pretty straightforward. No.","start_word":5141,"end_word":5312,"sentiment":"neutral","sentiment_score":0.14245259761810303},{"text":"I think that's all pretty good.","start_word":5313,"end_word":5318,"sentiment":"positive","sentiment_score":0.4457609951496124},{"text":"Yep.","start_word":5319,"end_word":5319,"sentiment":"neutral","sentiment_score":0.2404833436012268},{"text":"Okay. Perfect.","start_word":5320,"end_word":5321,"sentiment":"positive","sentiment_score":0.43430161476135254},{"text":"So what I might do while I do have you on the phone is just to book in the follow-up score when I've done the research on your investments to see if we wanna potentially make some changes. So it will take me about a week to pull together all the research. So when is a good time for you to kind of run through that? And it shouldn't take as long as today. Probably next Friday. I think that's Next Friday. I don't work Fridays, unfortunately. Do you you have any other times during the week? Monday afternoons. Okay. Let me have a little look here. Now I am fully booked, let me see, on this Monday, but I could do the following Monday on the August 31, Yeah. if that That works. Yep. should Okay. Now at the moment, I could do be either 1PM or three fine. PM. Would either of those work? Probably 1PM. 1PM? Okay. Beautiful. Actually, could I do 01:30? Yeah. That's Yes? Okay. Well, I will book that in on Monday, August 31, fine. which Okay. is crazy that it's at the end of August already, for the presentation to go over if we do wanna make any changes to your investments. Now if anything does change and you can't make the appointment, just let me know and we can always get you rescheduled. But, otherwise, that is all booked in on Monday, August 31 at 01:30. Alright. Yep.","start_word":5322,"end_word":5567,"sentiment":"neutral","sentiment_score":0.06497806310653687},{"text":"Beautiful.","start_word":5568,"end_word":5568,"sentiment":"positive","sentiment_score":0.506605327129364},{"text":"Now, Daniel, do you have any other questions for me, otherwise, before I let you go and get on with your day? No. I think it's so No? pretty good. Yeah. I think Beautiful. would you say, What's like, that? I'm in a in a decent sport at the moment for my age and Yes. I think so. And part of the research, I'll I can go through and do kind of new updated projections and everything as well just to see how things are tracking. But from, obviously, age, you are in a good position. And when I do, obviously, it it comes down to how much if you're making extra contributions, how much you're getting from your employer.","start_word":5569,"end_word":5688,"sentiment":"neutral","sentiment_score":0.13918977081775666},{"text":"Because you are a high income earner, you are getting a decent amount from your employer already.","start_word":5689,"end_word":5705,"sentiment":"positive","sentiment_score":0.47855114936828613},{"text":"Everyone is quite individual and depends on how long you've been working. But when I do kind of just look at how much you have in Super versus other clients in a similar age to you, you are sitting in a good position.","start_word":5706,"end_word":5748,"sentiment":"neutral","sentiment_score":0.27295345067977905},{"text":"Yeah. Which is which is good.","start_word":5749,"end_word":5754,"sentiment":"positive","sentiment_score":0.49185848236083984},{"text":"But, yes, I'll go through things a little bit more detail on Monday the thirty first with you as well with those investments and Yep.","start_word":5755,"end_word":5779,"sentiment":"neutral","sentiment_score":0.30731719732284546},{"text":"Sounds good. stuff. Yep. Beautiful. Well, thank you so much for your time this morning, Daniel, and I look forward to speaking with you at 01:30 on Monday the thirty first. Thank you. No worries. We're fixing. Bye.","start_word":5780,"end_word":5817,"sentiment":"positive","sentiment_score":0.6543108224868774}],"average":{"sentiment":"neutral","sentiment_score":0.08129507232681722}}}}