{"metadata":{"transaction_key":"deprecated","request_id":"01a0ad44-096a-7bb3-b7f3-bf077f5e5d5e","sha256":"a8e51f0f9819f56439da370983d977e4dc0a3aafb7aa53aed4eca8d6038c0079","created":"2026-09-17T02:48:35.023Z","duration":1032.1919,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3450,"output_tokens":123},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3885,"output_tokens":3893},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3885,"output_tokens":252}},"results":{"channels":[{"alternatives":[{"transcript":"That's okay. Are you on break, or do you... Okay. Beautiful. No. But before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? And, Alicia, we have a client password on file. Do you... Are you able to give that... Yes. There's some digits in there. It is. Perfect. Thank you for confirming that. I... Before we start, first of all, I think I'd just like to ask you, are there any significant changes in your personal life at the moment, financial or anything that we need to flag? Yep. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Okay. Beautiful. Thank you. What what what work are you doing? Yes. Yes. Wow. That's exciting. That's exciting. And something different... And that's what's most important. Oh, wow. Yeah. Understandable. Oh, that's that's very exciting for your son. What a great opportunity. As a mom, probably pretty scary. Yeah. There's there's definitely a mixture of feelings there going on. I could I could understand. Exactly. Right? So it's for three months, you say. Okay. I I can check that for you. I can check that and confirm post our meeting. I will... Yes. Yep. Okay. I will run through some of the information we have on file just to see if we need to update anything. Your... You... Do you still live at 37 Hemis Crescent? Did I say that right? Fantastic. And what are your boys' names? Yeah? Okay. And we have here Michelle Mada... Marie, yep, as your next of kin. Okay. Oh, that's great. Yeah. So would you still like to keep her as your next of kin for our records? Mhmm. Okay. We can definitely talk through that. I've I've I've got all your details here for your employment. So your new employment, is it full time, part time, casual? Okay. Part time. Okay. And three days per week. Yep. So three days per week, is that eight hours a day? Or Yep. And do you know what your income is for the three days a week? 800 after tax. Yep. And we had your business income as sitting at 26. Do you... Is that still applicable? Yes. Yes. Okay. We had your expenditure of about $500 a week. Does that sound correct? Yeah. Any savings per week that you do on a regular basis? Yeah. How much do you do? Okay. Okay. And we've got your home value that 950,000. Do you think that's still accurate? Okay. And is there still no no debt attached to it? Okay. How much debt is attached to it now? 200. Okay. And, yeah, that's good. That's good. And we have a car valued at 35,000. Is there... Yep. And how much is that worth? Yeah. Yeah. Any debt on that one? Okay. Yep. Do you know what the debt is roughly on the Triton? Yep. That's always a win. Okay. Okay. I have you down here still as a nonsmoker. Is that correct? Do you have any significant health issues or injuries or take medication? No. Okay. And do you have private health insurance? Yes. It's very expensive these days, isn't it? Oh. Oh, no. Yep. Okay. And the last time we checked in, you said you did have a will and power of attorney, but they needed updating. Is that still the case? Okay. Alright. Okay. Okay. Did you want me to send you through a a brochure for a part... A professional partner that we use to give that information quite discounted rates? Well, from what I've seen, quite reasonable. I can do that. Okay. I'm gonna quickly send you through in your emails if you have access to it. If you don't, you can check it later. It's the review documentation that I'm just gonna talk through with you. I'm just hitting send. I won't be a second. My fingers are not going as fast as they usually do. Okay. So it will come through from myself or OdooSign depending on how it displays in your emails. And when you do it... Yeah. Yep. So if you open it and I think there's a a box that says sign here or something. If you click that, yeah, it'll yep. It just opens the documents that I'm gonna talk through. You're not signing anything when you click that. You're just opening them. So what I'm gonna do is briefly run through your superannuation as that's what we have with... For you. You... We... Your balance with Hub twenty four at the moment sits at $354,006, and you've got a small balance with PSS of about 7,700. Your Hub twenty four performance in the last twelve months has returned about 2.45% net of fees. That's a couple of reasons. You've got two funds in there that we wanna flag to review. One of them being the Benelong Australian Equities Fund. Underperformance is due to their investment mandate, not necessarily their... The Australian share market performing badly. So they look for opportunities for growth undervalued companies in the Australian share market, And the... Their mandate hasn't hit the benchmark, let's say, for the last twelve months. So we're looking at potential replacements for them. And then, additionally, we've got the Vernek Property Fund. So the property fund's just taken a bit of a hit recently, and we're looking at alternatives for our clients for that. So those two have been underperformance for us. So that reflects the lower rate of return for you over the last twelve months. If we looked at it over the last six months, that return would be higher because the market's just recovered a little bit. But with your permission, I'd like to have a look at those funds for you if that's okay. Yep. So you've still got your PSS account. Nothing there to change. Still sitting there until preservation age, which is 60 for yourself. Not much we can do with it. It will just sit there until you're ready to retire or reach the reservation age. Yep. The next document is just the Vanguard index chart. It's a visual aid that I use in the reviews just to show clients how the market reacts, which in your growth assets is your shares, both Australian and international, and your listed property funds being your growth assets, which are ones that experience a lot more volatility than the defensive sector being your fixed interest and cash. At the moment, you're invested as a gross investor. What that means is that predominantly, the majority of your funds are invested in the growth assets being approximately 80% with the remaining 20% in defensive assets. So what that means is... Yeah. Yep. A higher risk. Yeah. So what we anticipate in that type of environment is at least a one in five year negative return with a minimum time frame of six years. So you've got ten years until you reach preservation age before you can access super. So what that tells us is that you do have time on your side to ride the wave of volatility should the market have a significant downfall. So based on that, I... And you being a growth investor, are you comfortable maintaining a growth investment profile, or would you like to look to reduce that, increase that? What are your thoughts? You wanna Fantastic. The next document is a financial services guide. It is a legal document that just explains who we are, who we're licensed through, the services we provide, how we provide them fees, and how you can go the complaints process if you're unhappy with anything that we provide you. And the final document is the ongoing services fee. So that's the renewal of your advice fee with us if you wish to maintain continuing being a client. That is set at a set dollar figure of $5,677.20 per year. So... And that's then divided by 12 and paid monthly. So that's equivalent to $473.10 per month of the super fund. Yeah. So same arrange... Yeah. Same arrangement. It's it's... If you need a review, you're not you're not stuck to an annual review. If you need anything more regularly, we can accommodate that. Any other additional advice, we can accommodate as well. So it's... Yeah. And then finally, I just need to ask. I do note that you don't have any insurance policies in place. Life life insurance, TPD, or income protection or trauma insurance. Is that something that you wanted to investigate? Yeah. So that would take a little bit more time. Do you want me to set you up with a separate time that we... I can discuss that further with you? Yeah. Did you wanna book in... Okay. Yeah. Okay. Okay. Alright. No. That's absolutely fine. Did you wanna book in a time for that, or do you wanna wait? Yeah. Of course. How about I reach out in about a week, and we'll touch base and set up a time for yourself and Paul. And once you've had a chance to review those documents, if you're comfortable to sign, please do so. If you've got any questions, please give me a callback. You're absolutely welcome, Alicia. Enjoy your day. Thanks. Bye. 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okay. Are you on break, or do you... Okay. Beautiful. No.\n\nBut before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? And, Alicia, we have a client password on file. Do you... Are you able to give that...\n\nYes. There's some digits in there. It is. Perfect. Thank you for confirming that.\n\nI... Before we start, first of all, I think I'd just like to ask you, are there any significant changes in your personal life at the moment, financial or anything that we need to flag? Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Okay.\n\nOkay. Beautiful. Thank you. What what what work are you doing? Yes.\n\nYes. Wow. That's exciting. That's exciting. And something different...\n\nAnd that's what's most important. Oh, wow. Yeah. Understandable. Oh, that's that's very exciting for your son.\n\nWhat a great opportunity. As a mom, probably pretty scary. Yeah. There's there's definitely a mixture of feelings there going on. I could I could understand.\n\nExactly. Right? So it's for three months, you say. Okay. I I can check that for you.\n\nI can check that and confirm post our meeting. I will... Yes. Yep. Okay.\n\nI will run through some of the information we have on file just to see if we need to update anything. Your... You... Do you still live at 37 Hemis Crescent? Did I say that right?\n\nFantastic. And what are your boys' names? Yeah? Okay. And we have here Michelle Mada...\n\nMarie, yep, as your next of kin. Okay. Oh, that's great. Yeah. So would you still like to keep her as your next of kin for our records?\n\nMhmm. Okay. We can definitely talk through that. I've I've I've got all your details here for your employment. So your new employment, is it full time, part time, casual?\n\nOkay. Part time. Okay. And three days per week. Yep.\n\nSo three days per week, is that eight hours a day? Or Yep. And do you know what your income is for the three days a week? 800 after tax. Yep.\n\nAnd we had your business income as sitting at 26. Do you... Is that still applicable? Yes. Yes.\n\nOkay. We had your expenditure of about $500 a week. Does that sound correct? Yeah. Any savings per week that you do on a regular basis?\n\nYeah. How much do you do? Okay. Okay. And we've got your home value that 950,000.\n\nDo you think that's still accurate? Okay. And is there still no no debt attached to it? Okay. How much debt is attached to it now?\n\n200. Okay. And, yeah, that's good. That's good. And we have a car valued at 35,000.\n\nIs there... Yep. And how much is that worth? Yeah. Yeah.\n\nAny debt on that one? Okay. Yep. Do you know what the debt is roughly on the Triton? Yep.\n\nThat's always a win. Okay. Okay. I have you down here still as a nonsmoker. Is that correct?\n\nDo you have any significant health issues or injuries or take medication? No. Okay. And do you have private health insurance? Yes.\n\nIt's very expensive these days, isn't it? Oh. Oh, no. Yep. Okay.\n\nAnd the last time we checked in, you said you did have a will and power of attorney, but they needed updating. Is that still the case? Okay. Alright. Okay.\n\nOkay. Did you want me to send you through a a brochure for a part... A professional partner that we use to give that information quite discounted rates? Well, from what I've seen, quite reasonable. I can do that.\n\nOkay. I'm gonna quickly send you through in your emails if you have access to it. If you don't, you can check it later. It's the review documentation that I'm just gonna talk through with you. I'm just hitting send.\n\nI won't be a second. My fingers are not going as fast as they usually do. Okay. So it will come through from myself or OdooSign depending on how it displays in your emails. And when you do it...\n\nYeah. Yep. So if you open it and I think there's a a box that says sign here or something. If you click that, yeah, it'll yep. It just opens the documents that I'm gonna talk through.\n\nYou're not signing anything when you click that. You're just opening them. So what I'm gonna do is briefly run through your superannuation as that's what we have with... For you. You...\n\nWe... Your balance with Hub twenty four at the moment sits at $354,006, and you've got a small balance with PSS of about 7,700. Your Hub twenty four performance in the last twelve months has returned about 2.45% net of fees. That's a couple of reasons. You've got two funds in there that we wanna flag to review.\n\nOne of them being the Benelong Australian Equities Fund. Underperformance is due to their investment mandate, not necessarily their... The Australian share market performing badly. So they look for opportunities for growth undervalued companies in the Australian share market, And the... Their mandate hasn't hit the benchmark, let's say, for the last twelve months.\n\nSo we're looking at potential replacements for them. And then, additionally, we've got the Vernek Property Fund. So the property fund's just taken a bit of a hit recently, and we're looking at alternatives for our clients for that. So those two have been underperformance for us. So that reflects the lower rate of return for you over the last twelve months.\n\nIf we looked at it over the last six months, that return would be higher because the market's just recovered a little bit. But with your permission, I'd like to have a look at those funds for you if that's okay. Yep. So you've still got your PSS account. Nothing there to change.\n\nStill sitting there until preservation age, which is 60 for yourself. Not much we can do with it. It will just sit there until you're ready to retire or reach the reservation age. Yep. The next document is just the Vanguard index chart.\n\nIt's a visual aid that I use in the reviews just to show clients how the market reacts, which in your growth assets is your shares, both Australian and international, and your listed property funds being your growth assets, which are ones that experience a lot more volatility than the defensive sector being your fixed interest and cash. At the moment, you're invested as a gross investor. What that means is that predominantly, the majority of your funds are invested in the growth assets being approximately 80% with the remaining 20% in defensive assets. So what that means is... Yeah.\n\nYep. A higher risk. Yeah. So what we anticipate in that type of environment is at least a one in five year negative return with a minimum time frame of six years. So you've got ten years until you reach preservation age before you can access super.\n\nSo what that tells us is that you do have time on your side to ride the wave of volatility should the market have a significant downfall. So based on that, I... And you being a growth investor, are you comfortable maintaining a growth investment profile, or would you like to look to reduce that, increase that? What are your thoughts? You wanna Fantastic.\n\nThe next document is a financial services guide. It is a legal document that just explains who we are, who we're licensed through, the services we provide, how we provide them fees, and how you can go the complaints process if you're unhappy with anything that we provide you. And the final document is the ongoing services fee. So that's the renewal of your advice fee with us if you wish to maintain continuing being a client. That is set at a set dollar figure of $5,677.20 per year.\n\nSo... And that's then divided by 12 and paid monthly. So that's equivalent to $473.10 per month of the super fund. Yeah. So same arrange...\n\nYeah. Same arrangement. It's it's... If you need a review, you're not you're not stuck to an annual review. If you need anything more regularly, we can accommodate that.\n\nAny other additional advice, we can accommodate as well. So it's... Yeah. And then finally, I just need to ask. I do note that you don't have any insurance policies in place.\n\nLife life insurance, TPD, or income protection or trauma insurance. Is that something that you wanted to investigate? Yeah. So that would take a little bit more time. Do you want me to set you up with a separate time that we...\n\nI can discuss that further with you? Yeah. Did you wanna book in... Okay. Yeah.\n\nOkay. Okay. Alright. No. That's absolutely fine.\n\nDid you wanna book in a time for that, or do you wanna wait? Yeah. Of course. How about I reach out in about a week, and we'll touch base and set up a time for yourself and Paul. And once you've had a chance to review those documents, if you're comfortable to sign, please do so.\n\nIf you've got any questions, please give me a callback. You're absolutely welcome, Alicia. Enjoy your day. Thanks. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"That's okay.","start":3.6799998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.2946241647005081},{"text":"Are you on break, or do you...","start":4.3199997,"end":6.66,"sentiment":"neutral","sentiment_score":0.04743882029184273},{"text":"Okay.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.13173505663871765},{"text":"Beautiful.","start":8.24,"end":8.74,"sentiment":"positive","sentiment_score":0.5180949568748474},{"text":"No.","start":12.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.008737415075302124}],"sentiment":"neutral","sentiment_score":0.13165729166939855,"num_words":12,"start":3.6799998,"end":13.059999},{"sentences":[{"text":"But before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.12,"end":18.525,"sentiment":"neutral","sentiment_score":0.025437684380449355},{"text":"Is that 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correct?","start":498.58,"end":499.47998,"sentiment":"neutral","sentiment_score":0.02715585318704446}],"sentiment":"neutral","sentiment_score":0.20342379953298304,"num_words":18,"start":484.875,"end":499.47998},{"sentences":[{"text":"Do you have any significant health issues or injuries or take medication?","start":501.78,"end":505.4,"sentiment":"neutral","sentiment_score":-0.09877047284195821},{"text":"No.","start":507.53998,"end":507.765,"sentiment":"neutral","sentiment_score":-0.07956218719482422},{"text":"Okay.","start":508.48502,"end":508.80502,"sentiment":"neutral","sentiment_score":-0.029462333768606182},{"text":"And do you have private health 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rates?","start":554.58997,"end":563.38995,"sentiment":"neutral","sentiment_score":0.029562354947511967},{"text":"Well, from what I've seen, quite reasonable.","start":563.38995,"end":567.435,"sentiment":"neutral","sentiment_score":0.13188678611602103},{"text":"I can do that.","start":567.495,"end":568.39496,"sentiment":"neutral","sentiment_score":0.3057456389069557}],"sentiment":"neutral","sentiment_score":0.06441330035718587,"num_words":39,"start":549.14496,"end":568.39496},{"sentences":[{"text":"Okay.","start":570.13495,"end":570.63495,"sentiment":"neutral","sentiment_score":0.10623305290937424},{"text":"I'm gonna quickly send you through in your emails if you have access to it.","start":571.01495,"end":575.89496,"sentiment":"neutral","sentiment_score":0.07913355355461439},{"text":"If you don't, you can check it later.","start":575.89496,"end":578.475,"sentiment":"neutral","sentiment_score":0.03383459453471005},{"text":"It's the review documentation that I'm just gonna talk through with you.","start":579.11,"end":584.17,"sentiment":"neutral","sentiment_score":0.034470630809664726},{"text":"I'm just hitting send.","start":586.31,"end":587.82996,"sentiment":"neutral","sentiment_score":-0.0019408657681196928}],"sentiment":"neutral","sentiment_score":0.04924493047874421,"num_words":40,"start":570.13495,"end":587.82996},{"sentences":[{"text":"I won't be a second.","start":587.82996,"end":589.29,"sentiment":"neutral","sentiment_score":-0.051037806645035745},{"text":"My fingers are not going as fast as they usually do.","start":589.99,"end":593.13,"sentiment":"neutral","sentiment_score":-0.22761248593980615},{"text":"Okay.","start":595.625,"end":596.125,"sentiment":"neutral","sentiment_score":0.04302321746945381},{"text":"So it will come through from myself or OdooSign depending on how it displays in your emails.","start":597.065,"end":604.76495,"sentiment":"neutral","sentiment_score":0.04246051280814059},{"text":"And when you do it...","start":607.54,"end":609.07996,"sentiment":"neutral","sentiment_score":0.0130692133679986}],"sentiment":"neutral","sentiment_score":-0.04945457375680025,"num_words":39,"start":587.82996,"end":609.07996},{"sentences":[{"text":"Yeah.","start":610.57996,"end":610.89996,"sentiment":"neutral","sentiment_score":0.013006359338760376},{"text":"Yep.","start":610.89996,"end":611.22,"sentiment":"neutral","sentiment_score":-0.008216270245611668},{"text":"So if you open it and I think there's a a box that says sign here or something.","start":611.22,"end":618.89996,"sentiment":"neutral","sentiment_score":-0.0018139252982412775},{"text":"If you click that, yeah, it'll yep.","start":618.89996,"end":622.59503,"sentiment":"neutral","sentiment_score":0.010123558542025941},{"text":"It just opens the documents that I'm gonna talk through.","start":622.59503,"end":625.395,"sentiment":"neutral","sentiment_score":0.001696903514675796}],"sentiment":"neutral","sentiment_score":0.0016209021261012232,"num_words":37,"start":610.57996,"end":625.395},{"sentences":[{"text":"You're not signing anything when you click that.","start":625.395,"end":627.795,"sentiment":"neutral","sentiment_score":-0.14535439293831587},{"text":"You're just opening them.","start":627.795,"end":629.175,"sentiment":"neutral","sentiment_score":-0.10040735453367233},{"text":"So what I'm gonna do is briefly run through your superannuation as that's what we have with...","start":629.555,"end":636.64996,"sentiment":"neutral","sentiment_score":0.016779179246548342},{"text":"For you.","start":637.43,"end":638.07,"sentiment":"neutral","sentiment_score":0.00251999800093472},{"text":"You...","start":638.07,"end":638.55,"sentiment":"neutral","sentiment_score":0.001523356419056654}],"sentiment":"neutral","sentiment_score":-0.03977047381340526,"num_words":32,"start":625.395,"end":638.55},{"sentences":[{"text":"We...","start":638.55,"end":639.05,"sentiment":"neutral","sentiment_score":0.0056801848113536835},{"text":"Your balance with Hub twenty four at the moment sits at $354,006, and you've got a small balance with PSS of about 7,700.","start":639.58997,"end":652.135,"sentiment":"neutral","sentiment_score":0.03313606758804425},{"text":"Your Hub twenty four performance in the last twelve months has returned about 2.45% net of fees.","start":653.715,"end":663.47,"sentiment":"neutral","sentiment_score":0.19285106133012211},{"text":"That's a couple of reasons.","start":665.85,"end":667.07,"sentiment":"neutral","sentiment_score":-0.01603538952767849},{"text":"You've got two funds in there that we wanna flag to review.","start":667.76996,"end":671.39,"sentiment":"neutral","sentiment_score":0.005001870760073264}],"sentiment":"neutral","sentiment_score":0.06941591867984369,"num_words":58,"start":638.55,"end":671.39},{"sentences":[{"text":"One of them being the Benelong Australian Equities Fund.","start":671.45,"end":674.35,"sentiment":"neutral","sentiment_score":-0.011584968720045354},{"text":"Underperformance is due to their investment mandate, not necessarily their...","start":675.675,"end":680.255,"sentiment":"neutral","sentiment_score":-0.22102863788604737},{"text":"The Australian share market performing badly.","start":681.355,"end":683.615,"sentiment":"negative","sentiment_score":-0.35322799285252887},{"text":"So they look for opportunities for growth undervalued companies in the Australian share market, And the...","start":683.675,"end":692.41,"sentiment":"neutral","sentiment_score":-0.2100735167041421},{"text":"Their mandate hasn't hit the benchmark, let's say, for the last twelve months.","start":692.63,"end":697.91,"sentiment":"neutral","sentiment_score":-0.2535006128824674}],"sentiment":"neutral","sentiment_score":-0.20538154239248899,"num_words":54,"start":671.45,"end":697.91},{"sentences":[{"text":"So we're looking at potential replacements for them.","start":697.91,"end":701.61,"sentiment":"neutral","sentiment_score":-0.21996363811194897},{"text":"And then, additionally, we've got the Vernek Property Fund.","start":701.865,"end":704.825,"sentiment":"neutral","sentiment_score":-0.04369173157546255},{"text":"So the property fund's just taken a bit of a hit recently, and we're looking at alternatives for our clients for that.","start":704.825,"end":712.985,"sentiment":"neutral","sentiment_score":-0.18171292272481052},{"text":"So those two have been underperformance for us.","start":712.985,"end":719.13,"sentiment":"neutral","sentiment_score":-0.1721236426383257},{"text":"So that reflects the lower rate of return for you over the last twelve months.","start":719.43,"end":726.73,"sentiment":"neutral","sentiment_score":-0.12065061082442602}],"sentiment":"neutral","sentiment_score":-0.15060269826602551,"num_words":62,"start":697.91,"end":726.73},{"sentences":[{"text":"If we looked at it over the last six months, that return would be higher because the market's just recovered a little bit.","start":726.935,"end":734.315,"sentiment":"neutral","sentiment_score":-0.12254693197167438},{"text":"But with your permission, I'd like to have a look at those funds for you if that's okay.","start":734.375,"end":739.755,"sentiment":"neutral","sentiment_score":0.0694660981082254},{"text":"Yep.","start":741.495,"end":741.995,"sentiment":"neutral","sentiment_score":0.1589759737253189},{"text":"So you've still got your PSS account.","start":742.88,"end":745.14,"sentiment":"neutral","sentiment_score":0.09381475086723055},{"text":"Nothing there to change.","start":746.72003,"end":748.34,"sentiment":"neutral","sentiment_score":-0.08315125107765198}],"sentiment":"neutral","sentiment_score":-0.020473876300285448,"num_words":53,"start":726.935,"end":748.34},{"sentences":[{"text":"Still sitting there until preservation age, which is 60 for yourself.","start":748.64,"end":752.34,"sentiment":"neutral","sentiment_score":-0.24280805343931372},{"text":"Not much we can do with it.","start":754.96,"end":756.82,"sentiment":"negative","sentiment_score":-0.455991302217756},{"text":"It will just sit there until you're ready to retire or reach the reservation age.","start":757.935,"end":762.435,"sentiment":"neutral","sentiment_score":-0.030431811263163886},{"text":"Yep.","start":764.175,"end":764.675,"sentiment":"neutral","sentiment_score":0.0688103586435318},{"text":"The next document is just the Vanguard index chart.","start":764.975,"end":767.855,"sentiment":"neutral","sentiment_score":0.056240566074848175}],"sentiment":"neutral","sentiment_score":-0.13358905625551246,"num_words":43,"start":748.64,"end":767.855},{"sentences":[{"text":"It's a visual aid that I use in the reviews just to show clients how the market reacts, which in your growth assets is your shares, both Australian and international, and your listed property funds being your growth assets, which are ones that experience a lot more volatility than the defensive sector being your fixed interest and cash.","start":767.855,"end":789.955,"sentiment":"neutral","sentiment_score":0.01419056926308007},{"text":"At the moment, you're invested as a gross investor.","start":791.615,"end":794.755,"sentiment":"neutral","sentiment_score":0.0031725292404492698},{"text":"What that means is that predominantly, the majority of your funds are invested in the growth assets being approximately 80% with the remaining 20% in defensive assets.","start":795.375,"end":808.5,"sentiment":"neutral","sentiment_score":-0.016839478302884986},{"text":"So what that means is...","start":808.72,"end":810.1,"sentiment":"neutral","sentiment_score":-0.04926208220422268},{"text":"Yeah.","start":810.56,"end":811.06,"sentiment":"neutral","sentiment_score":-0.12174196541309357}],"sentiment":"neutral","sentiment_score":0.00028887489810585975,"num_words":100,"start":767.855,"end":811.06},{"sentences":[{"text":"Yep.","start":812.635,"end":813.03503,"sentiment":"neutral","sentiment_score":-0.11576008796691896},{"text":"A higher risk.","start":813.03503,"end":813.91504,"sentiment":"neutral","sentiment_score":-0.19980780283610025},{"text":"Yeah.","start":813.91504,"end":814.41504,"sentiment":"neutral","sentiment_score":-0.17351743578910828},{"text":"So what we anticipate in that type of environment is at least a one in five year negative return with a minimum time frame of six years.","start":814.55505,"end":824.575,"sentiment":"neutral","sentiment_score":-0.28300157410127147},{"text":"So you've got ten years until you reach preservation age before you can access super.","start":824.69,"end":831.64996,"sentiment":"neutral","sentiment_score":-0.1333670308192571}],"sentiment":"neutral","sentiment_score":-0.22404784883590453,"num_words":47,"start":812.635,"end":831.64996},{"sentences":[{"text":"So what that tells us is that you do have time on your side to ride the wave of volatility should the market have a significant downfall.","start":831.64996,"end":841.225,"sentiment":"neutral","sentiment_score":-0.25539952902882185},{"text":"So based on that, I...","start":843.605,"end":845.925,"sentiment":"neutral","sentiment_score":-0.0434311605989933},{"text":"And you being a growth investor, are you comfortable maintaining a growth investment profile, or would you like to look to reduce that, increase that?","start":845.925,"end":854.35925,"sentiment":"neutral","sentiment_score":-0.06775673463940621},{"text":"What are your thoughts?","start":854.35925,"end":854.40497,"sentiment":"neutral","sentiment_score":-0.03637701366096735},{"text":"You wanna Fantastic.","start":854.40497,"end":860.98004,"sentiment":"neutral","sentiment_score":0.09496119494239491}],"sentiment":"neutral","sentiment_score":-0.13542946754023433,"num_words":64,"start":831.64996,"end":860.98004},{"sentences":[{"text":"The next document is a financial services guide.","start":862.88,"end":865.60004,"sentiment":"neutral","sentiment_score":0.08272061962634325},{"text":"It is a legal document that just explains who we are, who we're licensed through, the services we provide, how we provide them fees, and how you can go the complaints process if you're unhappy with anything that we provide you.","start":865.60004,"end":881.585,"sentiment":"neutral","sentiment_score":0.03375532759762392},{"text":"And the final document is the ongoing services fee.","start":883.245,"end":886.8,"sentiment":"neutral","sentiment_score":0.04064607330494457},{"text":"So that's the renewal of your advice fee with us if you wish to maintain continuing being a client.","start":886.8,"end":895.77997,"sentiment":"neutral","sentiment_score":0.06841216177532547},{"text":"That is set at a set dollar figure of $5,677.20 per year.","start":897.12,"end":903.78503,"sentiment":"neutral","sentiment_score":0.024912993889302015}],"sentiment":"neutral","sentiment_score":0.045059944366973435,"num_words":89,"start":862.88,"end":903.78503},{"sentences":[{"text":"So...","start":904.245,"end":904.565,"sentiment":"neutral","sentiment_score":-0.001631027553230524},{"text":"And that's then divided by 12 and paid monthly.","start":904.565,"end":907.205,"sentiment":"neutral","sentiment_score":0.013511256211333804},{"text":"So that's equivalent to $473.10 per month of the super fund.","start":907.205,"end":914.7,"sentiment":"neutral","sentiment_score":0.07941034114496275},{"text":"Yeah.","start":914.95996,"end":915.45996,"sentiment":"neutral","sentiment_score":0.10822246968746184},{"text":"So same arrange...","start":915.72,"end":916.77997,"sentiment":"neutral","sentiment_score":-0.0005404955397049586}],"sentiment":"neutral","sentiment_score":0.044003400560468434,"num_words":25,"start":904.245,"end":916.77997},{"sentences":[{"text":"Yeah.","start":917.39996,"end":917.8,"sentiment":"neutral","sentiment_score":0.02704034559428692},{"text":"Same arrangement.","start":917.8,"end":918.54,"sentiment":"neutral","sentiment_score":0.025447390973567963},{"text":"It's it's...","start":918.76,"end":921.26,"sentiment":"neutral","sentiment_score":0.016458741389214993},{"text":"If you need a review, you're not you're not stuck to an annual review.","start":921.8,"end":927.64,"sentiment":"neutral","sentiment_score":-0.010679741963810687},{"text":"If you need anything more regularly, we can accommodate that.","start":927.64,"end":930.885,"sentiment":"neutral","sentiment_score":0.09622140042483807}],"sentiment":"neutral","sentiment_score":0.03184655955430634,"num_words":29,"start":917.39996,"end":930.885},{"sentences":[{"text":"Any other additional advice, we can accommodate as well.","start":930.885,"end":934.48505,"sentiment":"neutral","sentiment_score":0.10350580761830012},{"text":"So it's...","start":934.48505,"end":935.54504,"sentiment":"neutral","sentiment_score":0.011703459080308676},{"text":"Yeah.","start":936.48505,"end":936.98505,"sentiment":"neutral","sentiment_score":0.014418242499232292},{"text":"And then finally, I just need to ask.","start":937.28503,"end":939.84503,"sentiment":"neutral","sentiment_score":-0.014979938045144081},{"text":"I do note that you don't have any insurance policies in place.","start":939.84503,"end":943.85004,"sentiment":"neutral","sentiment_score":-0.09804802667349577}],"sentiment":"neutral","sentiment_score":-0.010219949850579724,"num_words":32,"start":930.885,"end":943.85004},{"sentences":[{"text":"Life life insurance, TPD, or income protection or trauma insurance.","start":946.31,"end":951.93005,"sentiment":"neutral","sentiment_score":-0.07606963962316513},{"text":"Is that something that you wanted to investigate?","start":952.87,"end":958.46497,"sentiment":"neutral","sentiment_score":-0.045532983262091875},{"text":"Yeah.","start":958.46497,"end":958.96497,"sentiment":"neutral","sentiment_score":-0.06702186167240143},{"text":"So that would take a little bit more time.","start":959.265,"end":961.425,"sentiment":"neutral","sentiment_score":-0.11349759416447745},{"text":"Do you want me to set you up with a separate time that we...","start":961.425,"end":965.105,"sentiment":"neutral","sentiment_score":-0.04095710348337889}],"sentiment":"neutral","sentiment_score":-0.06635380762496165,"num_words":42,"start":946.31,"end":965.105},{"sentences":[{"text":"I can discuss that further with you?","start":965.105,"end":967.68,"sentiment":"neutral","sentiment_score":0.00454642264438527},{"text":"Yeah.","start":967.83997,"end":968.0,"sentiment":"neutral","sentiment_score":0.0018228497356176376},{"text":"Did you wanna book in...","start":968.0,"end":969.46,"sentiment":"neutral","sentiment_score":-0.004564616270363331},{"text":"Okay.","start":977.6,"end":978.0,"sentiment":"neutral","sentiment_score":-0.10504178702831268},{"text":"Yeah.","start":978.0,"end":978.5,"sentiment":"neutral","sentiment_score":-0.09353449195623398}],"sentiment":"neutral","sentiment_score":-0.012516770139336586,"num_words":15,"start":965.105,"end":978.5},{"sentences":[{"text":"Okay.","start":983.935,"end":984.435,"sentiment":"neutral","sentiment_score":-0.09665559977293016},{"text":"Okay.","start":988.97504,"end":989.47504,"sentiment":"neutral","sentiment_score":0.02589702233672142},{"text":"Alright.","start":990.015,"end":990.515,"sentiment":"neutral","sentiment_score":0.05205855518579483},{"text":"No.","start":990.655,"end":991.135,"sentiment":"neutral","sentiment_score":0.031831175088882446},{"text":"That's absolutely fine.","start":991.135,"end":993.155,"sentiment":"neutral","sentiment_score":0.13940622409184775}],"sentiment":"neutral","sentiment_score":0.06162140358771596,"num_words":7,"start":983.935,"end":993.155},{"sentences":[{"text":"Did you wanna book in a time for that, or do you wanna wait?","start":993.215,"end":997.55,"sentiment":"neutral","sentiment_score":0.047077756242028306},{"text":"Yeah.","start":1000.17,"end":1000.67,"sentiment":"neutral","sentiment_score":-0.02011050283908844},{"text":"Of course.","start":1002.17,"end":1002.73,"sentiment":"neutral","sentiment_score":0.04206044226884842},{"text":"How about I reach out in about a week, and we'll touch base and set up a time for yourself and Paul.","start":1002.73,"end":1010.76495,"sentiment":"neutral","sentiment_score":0.21630831909450618},{"text":"And once you've had a chance to review those documents, if you're comfortable to sign, please do so.","start":1011.865,"end":1019.785,"sentiment":"neutral","sentiment_score":0.1225810574574603}],"sentiment":"neutral","sentiment_score":0.1348831758491303,"num_words":57,"start":993.215,"end":1019.785},{"sentences":[{"text":"If you've got any questions, please give me a callback.","start":1019.785,"end":1024.637,"sentiment":"neutral","sentiment_score":0.16835451051592826},{"text":"You're absolutely welcome, Alicia.","start":1024.637,"end":1026.257,"sentiment":"positive","sentiment_score":0.868287980556488},{"text":"Enjoy your day.","start":1026.3169,"end":1027.297,"sentiment":"positive","sentiment_score":0.8661278287569681},{"text":"Thanks.","start":1028.9569,"end":1029.4569,"sentiment":"positive","sentiment_score":0.7221721410751343},{"text":"Bye.","start":1029.677,"end":1030.177,"sentiment":"positive","sentiment_score":0.4656316041946411}],"sentiment":"positive","sentiment_score":0.4706781188908376,"num_words":19,"start":1019.785,"end":1030.177},{"sentences":[{"text":"Bye.","start":1030.9569,"end":1031.4569,"sentiment":"neutral","sentiment_score":-0.08862364292144775}],"sentiment":"neutral","sentiment_score":-0.08862364292144775,"num_words":1,"start":1030.9569,"end":1031.4569}]}}]},{"alternatives":[{"transcript":"Hi, Jenna. Thanks for calling back. I am on break. Yeah. Hopefully, the questions aren't gonna be too hard because I don't have a computer in front of me. Yeah. Yeah. Of course. Is it Batman? Okay. Okay. Is it Bat76Man? Yeah. Yeah. Yeah. So so previously, I was just doing a few con... I was... I'm a sole director of my own business, and I had to relocate it due to a Q Cat issue with the landlord. So over the last twelve months, I've had a significant downscale resize of the business, but it kind of allotted in quite well to my personal life, to be honest. But what I've what I've done is I've taken taken on a job. So I've scaled the business down and, like, half... Like, more than half my employees, unfortunately. And I've taken on a job, which I'm now getting super every week. I've actually just done something remotely, like, that I've never done before. So so previous to owning the bathhouse, before my husband passed away, I I was a director of surgery. So I ran trauma units and operating theaters. And now I am managing the logistics of a caravan company who have a 130 caravans, and we just, like, bring them in, bring them out, people take them on a holiday. He's... Yeah. So it it uses my... It uses my logistical brain again that I haven't used for a long time, but in a different way. Well, it's something that just fits into the boys in my life. You know? Because... Yeah. Because my 15 year old is just about to move to Spain for three months. He just got offered a contract to play football. So I I was also... He was like, oh, shit. Where am I gonna get the money from? Masai isn't gonna make it for me even though he's got an agent and, like, there's, you know, monetary stuff. And then my eight year old just... He's gonna need me around a bit more. So I needed to kind of restructure the world. Yeah. Yeah. It's like a... It's a mixture of feelings, isn't it? Because you're, like, so excited for their opportunity, but, like, they're 15 and you're, like, on the other side of the world. Yeah. Yeah. Because he's mature, but he's still got 15 year old brain. Right. You know? Mhmm. Yeah. So it looks like... You should have probably got a contract because I gave... I did give my new employer my super details last week, but I am... I was late giving them to him because I've been on the payroll for four weeks now. I'm not sure if he's made the first contribution or not. Yeah. Yeah. Yeah. And I took a compassionate release in April. Yep. And I'm... Yeah. And I'm definitely due to restructure things. Yep. Yep. Yep. Yep. Yep. Yep. Yep. In Charlotte Park. Yep. So Connor's my youngest one, and Lekinis is my eldest one. My day? Yeah. Yeah. Yeah. So she, at the time when my husband passed away, was... She's a bank manager. So she just, like, managed all of my paperwork. Like, she was just exceptional. So it was just... Yeah. She's been my friend for, like, twenty six years. So I just had her down at that stage. Yeah. At the moment, I think. I do wanna put Lucas down as a beneficiary, you know, at some stage, but I hadn't quite got around to that. I actually haven't got my contract yet. I think it's gonna be part time. Yeah. So I work I work three days a week at the moment, but I don't... I'm not sure if the contract put me down as casual part time yet because I think he has bigger visions for me. Okay? Yep. Like, after tax, about 800. 900 or 800. Yeah. Yeah. Keep it at that. Yeah. Keep it at that. Because I'm... Like I said, I've downscaled considerably. So... Yeah. Yeah. Yeah. I do. And weekly, I'm not sure, but I've got a fair bid in there at the moment. Yeah. I got about 30 in there at the moment, but I'm just about to finish the kitchen and do some other stuff with it. Just had it revalued recently. It came in at one... Was it 1.21... Yeah. One point two. Yeah. No. I've taken a remortgage. 200. Yeah. Not a lot. Yep. I got one car I got one car. That's my personal car, my Honda. And then I bought one through the business as well. I bought a Mitsubishi Triton. I think it's about $42.40. Yeah. Yeah. I'm paying that off with the business, but I own a Honda. Yeah. I've only had it for six months. So, but I bought it for... Got a good deal on it, actually. I think I have about 28. Yep. Yep. Nope. No. I canceled it. Well, it wasn't about that. It was just I had a really bad experience in the public... In the private system. So... Yeah. Yep. And I I still get my extras, but, yeah, I canceled the private health. That's correct. I do. I do need to do that. I haven't done it since my husband passed away. Yep. Yes, please. Yep. Yeah. That'd be great, Jenna. Yep. Thank you. Yep. Uh-huh. Uh-huh. That's alright. Mhmm. Oh, yeah. I can see that signature request. Yeah. Oh, yes. Signed document. Yeah. I'll have a look at that later. Yeah. Yep. Yeah. Yep. Yep. Yep. Yeah. K. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Of course. Thank you. Yep. Yep. Okay. Yep. Yep. Yeah. I realized. Yep. High high risk. Yep. Mhmm. Mhmm. Yep. Yep. Yep. No. I wanna stay. Yep. Yep. Mhmm. And that just comes out of that. Yep. Yep. Yep. That's not a problem. Okay. Sure. For what? Yep. Yeah. Probably. Yeah. Probably best. Yeah. Yeah. Because I also I also had a meeting booked for my part... My current partner, but he missed his appointment with you on Monday at 03:30, Paul Murphy, because we had a a change of kids and stuff. So he missed your appointment. So we'll probably wanna discuss those insurances together. Yeah. Can I just wait at the moment? Because I don't have a diary or anything in front of me. Yeah. Perfect. Yep. Yep. Oh, excellent, Jenna. Thank you. You too. Thank you. 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Jenna. Thanks for calling back. I am on break. Yeah. Hopefully, the questions aren't gonna be too hard because I don't have a computer in front of me.\n\nYeah. Yeah. Of course. Is it Batman? Okay.\n\nOkay. Is it Bat76Man? Yeah. Yeah. Yeah.\n\nSo so previously, I was just doing a few con... I was... I'm a sole director of my own business, and I had to relocate it due to a Q Cat issue with the landlord. So over the last twelve months, I've had a significant downscale resize of the business, but it kind of allotted in quite well to my personal life, to be honest. But what I've what I've done is I've taken taken on a job.\n\nSo I've scaled the business down and, like, half... Like, more than half my employees, unfortunately. And I've taken on a job, which I'm now getting super every week. I've actually just done something remotely, like, that I've never done before. So so previous to owning the bathhouse, before my husband passed away, I I was a director of surgery.\n\nSo I ran trauma units and operating theaters. And now I am managing the logistics of a caravan company who have a 130 caravans, and we just, like, bring them in, bring them out, people take them on a holiday. He's... Yeah. So it it uses my...\n\nIt uses my logistical brain again that I haven't used for a long time, but in a different way. Well, it's something that just fits into the boys in my life. You know? Because... Yeah.\n\nBecause my 15 year old is just about to move to Spain for three months. He just got offered a contract to play football. So I I was also... He was like, oh, shit. Where am I gonna get the money from?\n\nMasai isn't gonna make it for me even though he's got an agent and, like, there's, you know, monetary stuff. And then my eight year old just... He's gonna need me around a bit more. So I needed to kind of restructure the world. Yeah.\n\nYeah. It's like a... It's a mixture of feelings, isn't it? Because you're, like, so excited for their opportunity, but, like, they're 15 and you're, like, on the other side of the world. Yeah.\n\nYeah. Because he's mature, but he's still got 15 year old brain. Right. You know? Mhmm.\n\nYeah. So it looks like... You should have probably got a contract because I gave... I did give my new employer my super details last week, but I am... I was late giving them to him because I've been on the payroll for four weeks now.\n\nI'm not sure if he's made the first contribution or not. Yeah. Yeah. Yeah. And I took a compassionate release in April.\n\nYep. And I'm... Yeah. And I'm definitely due to restructure things. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. In Charlotte Park. Yep. So Connor's my youngest one, and Lekinis is my eldest one. My day?\n\nYeah. Yeah. Yeah. So she, at the time when my husband passed away, was... She's a bank manager.\n\nSo she just, like, managed all of my paperwork. Like, she was just exceptional. So it was just... Yeah. She's been my friend for, like, twenty six years.\n\nSo I just had her down at that stage. Yeah. At the moment, I think. I do wanna put Lucas down as a beneficiary, you know, at some stage, but I hadn't quite got around to that. I actually haven't got my contract yet.\n\nI think it's gonna be part time. Yeah. So I work I work three days a week at the moment, but I don't... I'm not sure if the contract put me down as casual part time yet because I think he has bigger visions for me. Okay?\n\nYep. Like, after tax, about 800. 900 or 800. Yeah. Yeah.\n\nKeep it at that. Yeah. Keep it at that. Because I'm... Like I said, I've downscaled considerably.\n\nSo... Yeah. Yeah. Yeah. I do.\n\nAnd weekly, I'm not sure, but I've got a fair bid in there at the moment. Yeah. I got about 30 in there at the moment, but I'm just about to finish the kitchen and do some other stuff with it. Just had it revalued recently. It came in at one...\n\nWas it 1.21... Yeah. One point two. Yeah. No.\n\nI've taken a remortgage. 200. Yeah. Not a lot. Yep.\n\nI got one car I got one car. That's my personal car, my Honda. And then I bought one through the business as well. I bought a Mitsubishi Triton. I think it's about $42.40.\n\nYeah. Yeah. I'm paying that off with the business, but I own a Honda. Yeah. I've only had it for six months.\n\nSo, but I bought it for... Got a good deal on it, actually. I think I have about 28. Yep. Yep.\n\nNope. No. I canceled it. Well, it wasn't about that. It was just I had a really bad experience in the public...\n\nIn the private system. So... Yeah. Yep. And I I still get my extras, but, yeah, I canceled the private health.\n\nThat's correct. I do. I do need to do that. I haven't done it since my husband passed away. Yep.\n\nYes, please. Yep. Yeah. That'd be great, Jenna. Yep.\n\nThank you. Yep. Uh-huh. Uh-huh. That's alright.\n\nMhmm. Oh, yeah. I can see that signature request. Yeah. Oh, yes.\n\nSigned document. Yeah. I'll have a look at that later. Yeah. Yep.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nK. Yep. Mhmm. Mhmm. Mhmm.\n\nMhmm. Yes. Of course. Thank you. Yep.\n\nYep. Okay. Yep. Yep. Yeah.\n\nI realized. Yep. High high risk. Yep. Mhmm.\n\nMhmm. Yep. Yep. Yep. No.\n\nI wanna stay. Yep. Yep. Mhmm. And that just comes out of that.\n\nYep. Yep. Yep. That's not a problem. Okay.\n\nSure. For what? Yep. Yeah. Probably.\n\nYeah. Probably best. Yeah. Yeah. Because I also I also had a meeting booked for my part...\n\nMy current partner, but he missed his appointment with you on Monday at 03:30, Paul Murphy, because we had a a change of kids and stuff. So he missed your appointment. So we'll probably wanna discuss those insurances together. Yeah. Can I just wait at the moment?\n\nBecause I don't have a diary or anything in front of me. Yeah. Perfect. Yep. Yep.\n\nOh, excellent, Jenna. Thank you. You too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jenna.","start":1.1999999,"end":1.92,"sentiment":"neutral","sentiment_score":0.1953039914369583},{"text":"Thanks for calling back.","start":1.92,"end":3.06,"sentiment":"positive","sentiment_score":0.6196213513612747},{"text":"I am on break.","start":5.92,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.05830627307295799},{"text":"Yeah.","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.08975464105606079},{"text":"Hopefully, the questions aren't gonna be too hard because I don't have a computer in front of 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correct.","start":540.115,"end":540.755,"sentiment":"neutral","sentiment_score":-0.005445191287435591},{"text":"I do.","start":540.755,"end":541.235,"sentiment":"neutral","sentiment_score":0.02434646524488926},{"text":"I do need to do that.","start":541.235,"end":542.53503,"sentiment":"neutral","sentiment_score":-0.0036627287045121193},{"text":"I haven't done it since my husband passed away.","start":543.47504,"end":545.735,"sentiment":"neutral","sentiment_score":-0.13000734481546614},{"text":"Yep.","start":557.0,"end":557.48,"sentiment":"neutral","sentiment_score":0.02675621211528778}],"sentiment":"neutral","sentiment_score":-0.05637418577680364,"num_words":20,"start":540.115,"end":557.48},{"sentences":[{"text":"Yes, 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you.","start":566.105,"end":566.765,"sentiment":"positive","sentiment_score":0.4242783188819885},{"text":"Yep.","start":569.065,"end":569.565,"sentiment":"neutral","sentiment_score":0.1064339131116867},{"text":"Uh-huh.","start":583.89,"end":584.39,"sentiment":"neutral","sentiment_score":0.0060910857282578945},{"text":"Uh-huh.","start":584.61,"end":585.11,"sentiment":"neutral","sentiment_score":0.0007034149020910263},{"text":"That's alright.","start":593.505,"end":594.245,"sentiment":"neutral","sentiment_score":0.011336817755363882}],"sentiment":"neutral","sentiment_score":0.14063695528810577,"num_words":7,"start":566.105,"end":594.245},{"sentences":[{"text":"Mhmm.","start":605.425,"end":605.925,"sentiment":"neutral","sentiment_score":0.01301533542573452},{"text":"Oh, yeah.","start":607.77,"end":608.17004,"sentiment":"neutral","sentiment_score":0.01796502247452736},{"text":"I can see that signature request.","start":608.17004,"end":609.85004,"sentiment":"neutral","sentiment_score":0.009919049063076576},{"text":"Yeah.","start":609.85004,"end":610.35004,"sentiment":"neutral","sentiment_score":0.011379394680261612},{"text":"Oh, yes.","start":618.57,"end":619.05,"sentiment":"neutral","sentiment_score":-0.0015686831902712584}],"sentiment":"neutral","sentiment_score":0.009725141921080649,"num_words":12,"start":605.425,"end":619.05},{"sentences":[{"text":"Signed document.","start":619.05,"end":619.87,"sentiment":"neutral","sentiment_score":-0.0010546326375333592},{"text":"Yeah.","start":620.01,"end":620.25,"sentiment":"neutral","sentiment_score":0.01378309540450573},{"text":"I'll have a look at that 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realized.","start":809.08496,"end":809.665,"sentiment":"neutral","sentiment_score":-0.06266528740525246},{"text":"Yep.","start":809.725,"end":810.225,"sentiment":"neutral","sentiment_score":-0.06872018426656723},{"text":"High high risk.","start":810.605,"end":811.64496,"sentiment":"neutral","sentiment_score":-0.31211207310358685},{"text":"Yep.","start":811.64496,"end":812.14496,"sentiment":"neutral","sentiment_score":-0.13902123272418976},{"text":"Mhmm.","start":821.79,"end":822.29,"sentiment":"neutral","sentiment_score":-0.2050727903842926}],"sentiment":"neutral","sentiment_score":-0.18431012518703938,"num_words":8,"start":809.08496,"end":822.29},{"sentences":[{"text":"Mhmm.","start":824.99,"end":825.49,"sentiment":"neutral","sentiment_score":-0.0999755635857582},{"text":"Yep.","start":828.975,"end":829.475,"sentiment":"neutral","sentiment_score":-0.110280379652977},{"text":"Yep.","start":838.01495,"end":838.41,"sentiment":"neutral","sentiment_score":-0.2474135011434555},{"text":"Yep.","start":841.93,"end":842.43,"sentiment":"neutral","sentiment_score":-0.06394554674625397},{"text":"No.","start":857.735,"end":857.97504,"sentiment":"neutral","sentiment_score":-0.16479972004890442}],"sentiment":"neutral","sentiment_score":-0.13728294223546983,"num_words":5,"start":824.99,"end":857.97504},{"sentences":[{"text":"I wanna stay.","start":857.97504,"end":858.955,"sentiment":"neutral","sentiment_score":-0.16515649358431497},{"text":"Yep.","start":882.315,"end":882.815,"sentiment":"neutral","sentiment_score":0.030617106705904007},{"text":"Yep.","start":896.15,"end":896.65,"sentiment":"neutral","sentiment_score":0.04393194615840912},{"text":"Mhmm.","start":904.23004,"end":904.73004,"sentiment":"neutral","sentiment_score":0.0013224056456238031},{"text":"And that just comes out of 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problem.","start":915.645,"end":916.785,"sentiment":"neutral","sentiment_score":0.0010675499215722084},{"text":"Okay.","start":934.775,"end":935.275,"sentiment":"neutral","sentiment_score":0.02055269107222557}],"sentiment":"neutral","sentiment_score":0.05356179177761078,"num_words":8,"start":912.285,"end":935.275},{"sentences":[{"text":"Sure.","start":935.335,"end":935.835,"sentiment":"neutral","sentiment_score":0.0299651138484478},{"text":"For 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I also I also had a meeting booked for my part...","start":968.195,"end":972.435,"sentiment":"neutral","sentiment_score":-0.025209125752250355}],"sentiment":"neutral","sentiment_score":-0.01534879980060984,"num_words":17,"start":964.835,"end":972.435},{"sentences":[{"text":"My current partner, but he missed his appointment with you on Monday at 03:30, Paul Murphy, because we had a a change of kids and stuff.","start":972.435,"end":982.69,"sentiment":"neutral","sentiment_score":-0.14571837364481047},{"text":"So he missed your appointment.","start":982.69,"end":984.63,"sentiment":"neutral","sentiment_score":-0.09498383402824402},{"text":"So we'll probably wanna discuss those insurances together.","start":984.77,"end":988.07,"sentiment":"neutral","sentiment_score":-0.030496994266286492},{"text":"Yeah.","start":997.66504,"end":997.905,"sentiment":"neutral","sentiment_score":0.010937980376183988},{"text":"Can I just wait at the 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Jenna.","start":1022.515,"end":1023.555,"sentiment":"positive","sentiment_score":0.5667186677455902},{"text":"Thank you.","start":1023.555,"end":1024.2949,"sentiment":"positive","sentiment_score":0.5860662758350372},{"text":"You too.","start":1027.475,"end":1028.195,"sentiment":"positive","sentiment_score":0.6707837283611298},{"text":"Thank you.","start":1028.195,"end":1028.9349,"sentiment":"positive","sentiment_score":0.7963413000106812},{"text":"Bye.","start":1030.115,"end":1030.615,"sentiment":"neutral","sentiment_score":0.3136022090911865}],"sentiment":"positive","sentiment_score":0.6120140820741653,"num_words":10,"start":1022.515,"end":1030.615}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi, Jenna. Thanks for calling back.\n\nChannel 0: That's okay. Are you on break, or\n\nChannel 1: I am\n\nChannel 0: do you...\n\nChannel 1: on break. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Hopefully,\n\nChannel 0: Beautiful.\n\nChannel 1: the questions aren't gonna be too hard because I don't have a computer in front of me.\n\nChannel 0: No. But before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. Yeah. Of course.\n\nChannel 0: And, Alicia, we have a client password on file. Do you... Are you\n\nChannel 1: Is\n\nChannel 0: able\n\nChannel 1: it Batman?\n\nChannel 0: to give that... Yes. There's some\n\nChannel 1: Okay.\n\nChannel 0: digits in there.\n\nChannel 1: Okay. Is it Bat76Man?\n\nChannel 0: It is. Perfect. Thank you for confirming that.\n\nChannel 1: Yeah.\n\nChannel 0: I... Before we start, first of all, I think I'd just like to ask you, are there any significant changes in your personal life at the moment, financial or anything that we need to\n\nChannel 1: Yeah.\n\nChannel 0: flag?\n\nChannel 1: Yeah. So so previously, I was just doing a few con... I was... I'm a sole director of my own business,\n\nChannel 0: Yep.\n\nChannel 1: and I had to relocate it due\n\nChannel 0: Yep.\n\nChannel 1: to a Q Cat issue with the landlord. So\n\nChannel 0: Yep.\n\nChannel 1: over the last twelve months, I've had a significant downscale resize of the business,\n\nChannel 0: Yep.\n\nChannel 1: but it kind of allotted in quite well to my personal life, to be honest. But\n\nChannel 0: Okay.\n\nChannel 1: what I've\n\nChannel 0: Yep.\n\nChannel 1: what I've done is I've taken taken on a job. So I've scaled the business down and, like, half... Like, more than half my employees, unfortunately. And\n\nChannel 0: Yep.\n\nChannel 1: I've taken on a job, which\n\nChannel 0: Okay.\n\nChannel 1: I'm now getting super every week.\n\nChannel 0: Okay. Beautiful. Thank you. What what what work are you doing?\n\nChannel 1: I've actually just done something remotely, like, that I've never done before. So so previous to owning the bathhouse, before my husband passed away, I I was a director of surgery. So I ran trauma\n\nChannel 0: Yes.\n\nChannel 1: units and operating theaters. And\n\nChannel 0: Yes.\n\nChannel 1: now I am managing the logistics of a caravan company who have a\n\nChannel 0: Wow.\n\nChannel 1: 130 caravans, and we just, like, bring them in, bring them out, people take them on a holiday. He's... Yeah. So\n\nChannel 0: That's\n\nChannel 1: it it uses\n\nChannel 0: exciting.\n\nChannel 1: my... It uses my logistical brain again that I haven't used for a long time, but in a different way.\n\nChannel 0: That's exciting. And something different...\n\nChannel 1: Well, it's something that just fits into the boys in my life. You know?\n\nChannel 0: And\n\nChannel 1: Because...\n\nChannel 0: that's what's most important.\n\nChannel 1: Yeah. Because my 15 year old is just about to move to Spain for three months. He just got offered a contract to play football. So\n\nChannel 0: Oh,\n\nChannel 1: I\n\nChannel 0: wow.\n\nChannel 1: I was also... He was like, oh, shit. Where am I gonna get the money from? Masai isn't gonna make it for me even though\n\nChannel 0: Yeah.\n\nChannel 1: he's got an agent and, like, there's, you know, monetary stuff. And then my eight year old just... He's gonna need me around a bit more. So I needed to kind of restructure the world.\n\nChannel 0: Understandable. Oh, that's that's very exciting for your son. What a great opportunity.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: As a mom, probably pretty scary.\n\nChannel 1: It's like a... It's a mixture of feelings, isn't it? Because you're, like, so excited for their opportunity, but, like, they're 15 and you're, like, on the other side of the world.\n\nChannel 0: Yeah. There's there's\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: Yeah.\n\nChannel 0: a mixture of feelings there going on. I could\n\nChannel 1: Because\n\nChannel 0: I\n\nChannel 1: he's\n\nChannel 0: could\n\nChannel 1: mature, but he's\n\nChannel 0: understand.\n\nChannel 1: still got 15 year old brain. Right. You know?\n\nChannel 0: Exactly. Right?\n\nChannel 1: Mhmm.\n\nChannel 0: So it's for three months, you say.\n\nChannel 1: Yeah. So it\n\nChannel 0: Okay.\n\nChannel 1: looks like... You should have probably got a contract because I gave... I did give my new employer my super details last week, but I am... I was late giving them to him because I've been on the payroll for four weeks now. I'm not sure if he's made the first contribution or not.\n\nChannel 0: I I can check that for you. I can check that and\n\nChannel 1: Yeah.\n\nChannel 0: confirm post our meeting.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I\n\nChannel 1: And I\n\nChannel 0: will...\n\nChannel 1: took a compassionate release in April.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yep. And I'm... Yeah. And I'm definitely due to restructure things.\n\nChannel 0: Okay. I will run through some of the information we have on file just to see if we need to update anything.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Your... You... Do you still live at 37\n\nChannel 1: Yep.\n\nChannel 0: Hemis Crescent? Did\n\nChannel 1: Yep.\n\nChannel 0: I say\n\nChannel 1: Yep.\n\nChannel 0: that right?\n\nChannel 1: Yep. Yep. In Charlotte Park.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And what are your boys' names?\n\nChannel 1: So Connor's my youngest one, and\n\nChannel 0: Yeah?\n\nChannel 1: Lekinis is my eldest one.\n\nChannel 0: Okay. And we have here Michelle Mada...\n\nChannel 1: My day?\n\nChannel 0: Marie,\n\nChannel 1: Yeah.\n\nChannel 0: yep, as your next of kin.\n\nChannel 1: Yeah. Yeah. So she, at the time when my husband passed away, was... She's a bank manager. So she just, like, managed all of my paperwork.\n\nLike, she was just exceptional. So\n\nChannel 0: Okay.\n\nChannel 1: it\n\nChannel 0: Oh,\n\nChannel 1: was\n\nChannel 0: that's\n\nChannel 1: just...\n\nChannel 0: great.\n\nChannel 1: Yeah. She's been my friend for, like, twenty six years. So I just had her down at that stage. Yeah.\n\nChannel 0: Yeah. So would you still like to keep her as your next of kin for our records?\n\nChannel 1: At the moment, I think. I do wanna put Lucas down as a beneficiary, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: at some stage, but I hadn't quite got around to that.\n\nChannel 0: Okay. We can definitely talk through that. I've I've I've got all your details here for your employment. So your new employment, is it full time, part time, casual?\n\nChannel 1: I actually haven't got my contract yet. I think it's\n\nChannel 0: Okay.\n\nChannel 1: gonna be part time.\n\nChannel 0: Part\n\nChannel 1: Yeah. So I work I work three days a week at the moment, but I don't... I'm not sure if the contract put me down as casual part time yet\n\nChannel 0: time. Okay. And\n\nChannel 1: because\n\nChannel 0: three\n\nChannel 1: I think\n\nChannel 0: days\n\nChannel 1: he\n\nChannel 0: per\n\nChannel 1: has\n\nChannel 0: week.\n\nChannel 1: bigger visions\n\nChannel 0: Yep.\n\nChannel 1: for me. Okay?\n\nChannel 0: So three days per week, is that eight hours a day? Or\n\nChannel 1: Yep.\n\nChannel 0: Yep. And do you know what your income is for the three days a week?\n\nChannel 1: Like, after tax, about 800.\n\nChannel 0: 800 after\n\nChannel 1: 900\n\nChannel 0: tax.\n\nChannel 1: or 800. Yeah.\n\nChannel 0: Yep. And we had your business income as sitting at 26. Do you... Is that still\n\nChannel 1: Yeah. Keep\n\nChannel 0: applicable?\n\nChannel 1: it at that. Yeah. Keep it\n\nChannel 0: Yes.\n\nChannel 1: at that. Because I'm... Like I said, I've downscaled considerably. So... Yeah.\n\nChannel 0: Yes. Okay. We had your expenditure of about $500 a week. Does that sound correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Any savings per week that you do on a regular basis?\n\nChannel 1: Yeah. I do.\n\nChannel 0: Yeah. How much do you do?\n\nChannel 1: And weekly, I'm not sure, but I've got a fair bid in there at the moment. Yeah. I got about 30 in there at the moment, but I'm just about to finish the kitchen and do some other stuff with it.\n\nChannel 0: Okay. Okay. And we've got your home value that 950,000. Do you think that's still\n\nChannel 1: Just had it revalued recently. It came in at one... Was it 1.21... Yeah. One\n\nChannel 0: accurate?\n\nChannel 1: point two.\n\nChannel 0: Okay. And is\n\nChannel 1: Yeah.\n\nChannel 0: there still no no debt attached\n\nChannel 1: No. I've taken a remortgage.\n\nChannel 0: to it? Okay. How much debt is attached to it now?\n\nChannel 1: 200.\n\nChannel 0: 200.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Not a\n\nChannel 0: And, yeah, that's good. That's good. And\n\nChannel 1: lot.\n\nChannel 0: we have a car valued at 35,000.\n\nChannel 1: Yep. I\n\nChannel 0: Is\n\nChannel 1: got\n\nChannel 0: there...\n\nChannel 1: one car I got one car. That's my personal car, my Honda. And then\n\nChannel 0: Yep.\n\nChannel 1: I bought one through the business as well. I bought a Mitsubishi Triton.\n\nChannel 0: And how much is that worth?\n\nChannel 1: I think it's about $42.40. Yeah.\n\nChannel 0: Yeah. Yeah. Any debt on that one?\n\nChannel 1: Yeah. I'm paying that off with the business, but I own a\n\nChannel 0: Okay.\n\nChannel 1: Honda.\n\nChannel 0: Yep. Do you know what\n\nChannel 1: Yeah.\n\nChannel 0: the debt is roughly on the Triton?\n\nChannel 1: I've only had it for six months. So,\n\nChannel 0: Yep.\n\nChannel 1: but I bought it for... Got a good deal on it, actually.\n\nChannel 0: That's always a win.\n\nChannel 1: I think I have about 28.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Okay. I have you down here still as a nonsmoker. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Do you have any significant health issues or injuries or take medication?\n\nChannel 1: Nope.\n\nChannel 0: No. Okay. And do you have private health insurance?\n\nChannel 1: No. I canceled\n\nChannel 0: Yes. It's very expensive these days,\n\nChannel 1: it.\n\nChannel 0: isn't it?\n\nChannel 1: Well, it wasn't about that. It was just I had a really bad experience in the public... In the private system. So... Yeah.\n\nChannel 0: Oh. Oh,\n\nChannel 1: Yep.\n\nChannel 0: no.\n\nChannel 1: And I I still get my extras,\n\nChannel 0: Yep.\n\nChannel 1: but, yeah, I canceled the private health.\n\nChannel 0: Okay. And the last time we checked in, you said you did have a will and power of attorney, but they needed updating. Is that\n\nChannel 1: That's correct.\n\nChannel 0: still the case?\n\nChannel 1: I do. I do need to do that.\n\nChannel 0: Okay.\n\nChannel 1: I haven't\n\nChannel 0: Alright.\n\nChannel 1: done it since my husband passed away.\n\nChannel 0: Okay. Okay. Did you want me to send you through a a brochure for a part... A professional partner that we use\n\nChannel 1: Yep. Yes, please.\n\nChannel 0: to give that information quite discounted rates? Well, from\n\nChannel 1: Yep.\n\nChannel 0: what\n\nChannel 1: Yeah.\n\nChannel 0: I've seen,\n\nChannel 1: That'd be great, Jenna. Yep. Thank you.\n\nChannel 0: quite reasonable. I can do that.\n\nChannel 1: Yep.\n\nChannel 0: Okay. I'm gonna quickly send you through in your emails if you have access to it. If you don't, you can check it later. It's the review documentation that I'm just gonna talk through with you.\n\nChannel 1: Uh-huh. Uh-huh.\n\nChannel 0: I'm just hitting send. I won't be a second. My fingers are not going as fast as they usually do.\n\nChannel 1: That's alright.\n\nChannel 0: Okay. So it will come through from myself or OdooSign depending on how it displays in your emails.\n\nChannel 1: Mhmm.\n\nChannel 0: And\n\nChannel 1: Oh, yeah.\n\nChannel 0: when\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: can\n\nChannel 0: do\n\nChannel 1: see that\n\nChannel 0: it...\n\nChannel 1: signature request. Yeah.\n\nChannel 0: Yeah. Yep. So if you open it and I think there's a a box that says sign here or\n\nChannel 1: Oh,\n\nChannel 0: something.\n\nChannel 1: yes.\n\nChannel 0: If\n\nChannel 1: Signed\n\nChannel 0: you click\n\nChannel 1: document.\n\nChannel 0: that,\n\nChannel 1: Yeah. I'll have a look\n\nChannel 0: yeah,\n\nChannel 1: at that\n\nChannel 0: it'll\n\nChannel 1: later. Yeah.\n\nChannel 0: yep. It just opens the documents that I'm gonna talk through. You're not signing anything when you click that. You're just opening them.\n\nChannel 1: Yep.\n\nChannel 0: So what I'm gonna do is briefly run through your superannuation as that's what we have with... For you. You...\n\nChannel 1: Yeah.\n\nChannel 0: We... Your balance with Hub twenty four at the moment sits at $354,006,\n\nChannel 1: Yep.\n\nChannel 0: and you've got a small balance with PSS of about 7,700.\n\nChannel 1: Yep.\n\nChannel 0: Your Hub twenty four performance in the last twelve months has returned about 2.45% net of fees.\n\nChannel 1: Yep.\n\nChannel 0: That's a couple of reasons. You've got two funds in there that we wanna flag to review. One of them being the Benelong Australian Equities Fund. Underperformance is due to their investment mandate, not necessarily their... The Australian share market performing badly.\n\nSo they look for opportunities for growth undervalued companies in the Australian share market,\n\nChannel 1: Yeah.\n\nChannel 0: And the... Their mandate hasn't hit the benchmark, let's say, for the last twelve months. So we're looking at potential replacements for them.\n\nChannel 1: K.\n\nChannel 0: And then, additionally, we've got the Vernek Property Fund. So the property fund's just taken a bit of a hit recently,\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: and we're looking at alternatives for our clients for that. So those two have been underperformance\n\nChannel 1: Mhmm.\n\nChannel 0: for us. So that reflects the lower rate of return for you over the last twelve months. If we\n\nChannel 1: Mhmm.\n\nChannel 0: looked at it over the last six months, that return would be higher\n\nChannel 1: Mhmm.\n\nChannel 0: because the market's just recovered a little bit. But with your permission, I'd like to have a look at those funds for you if that's okay.\n\nChannel 1: Yes. Of course. Thank you.\n\nChannel 0: Yep. So you've still got your PSS account. Nothing there to change. Still sitting there until preservation age, which is 60 for yourself. Not much we can do with it.\n\nChannel 1: Yep.\n\nChannel 0: It will just sit there until you're ready to retire or reach the reservation age.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep. The next document is just the Vanguard index chart. It's a visual aid that I use in the reviews just to show clients how the market reacts, which in your growth assets is your shares, both Australian and international, and your listed property funds being your growth assets, which are ones that experience a lot more volatility than the defensive sector being your fixed interest and cash.\n\nChannel 1: Yep.\n\nChannel 0: At the moment, you're invested as a gross investor. What that means is that predominantly, the majority of your funds are invested in the growth assets being approximately 80% with\n\nChannel 1: Yep.\n\nChannel 0: the remaining 20% in defensive assets. So\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: realized.\n\nChannel 0: means is...\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: High high risk. Yep.\n\nChannel 0: Yep. A higher risk. Yeah. So what we anticipate in that type of environment is at least a one in five year negative return\n\nChannel 1: Mhmm.\n\nChannel 0: with a minimum time frame of six years. So\n\nChannel 1: Mhmm.\n\nChannel 0: you've got ten years until you reach preservation age\n\nChannel 1: Yep.\n\nChannel 0: before you can access super. So what that tells us is that you do have time on your side to ride the wave of volatility should\n\nChannel 1: Yep.\n\nChannel 0: the market have a significant downfall.\n\nChannel 1: Yep.\n\nChannel 0: So based on that, I... And you being a growth investor, are you comfortable maintaining a growth investment profile, or would you like to look to reduce that, increase that? What are your thoughts? You wanna\n\nChannel 1: No. I wanna stay.\n\nChannel 0: Fantastic. The next document is a financial services guide. It is a legal document that just explains who we are, who we're licensed through, the services we provide, how we provide them fees, and how you can go the complaints process if you're unhappy with anything that we provide you.\n\nChannel 1: Yep.\n\nChannel 0: And the final document is the ongoing services fee. So that's the renewal of your advice fee with us if you wish to maintain continuing being a client.\n\nChannel 1: Yep.\n\nChannel 0: That is set at a set dollar figure of $5,677.20 per year.\n\nChannel 1: Mhmm.\n\nChannel 0: So... And that's then divided by 12 and paid monthly. So that's equivalent to $473.10 per month\n\nChannel 1: And that just comes out of that. Yep.\n\nChannel 0: of the super fund.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. That's\n\nChannel 0: So same\n\nChannel 1: not a\n\nChannel 0: arrange...\n\nChannel 1: problem.\n\nChannel 0: Yeah. Same arrangement. It's it's... If you need a review, you're not you're not stuck to an annual review. If you need anything more regularly, we can accommodate that.\n\nAny other additional advice, we can accommodate as well. So\n\nChannel 1: Okay.\n\nChannel 0: it's...\n\nChannel 1: Sure.\n\nChannel 0: Yeah. And then finally, I just need to ask. I do note that you don't have any insurance policies in place.\n\nChannel 1: For what?\n\nChannel 0: Life life insurance, TPD, or income protection or trauma insurance. Is that something\n\nChannel 1: Yep.\n\nChannel 0: that you wanted to\n\nChannel 1: Yeah. Probably.\n\nChannel 0: investigate? Yeah. So that would take a little bit more time. Do you want me to set you up with a separate time that we...\n\nChannel 1: Yeah.\n\nChannel 0: I can\n\nChannel 1: Probably\n\nChannel 0: discuss\n\nChannel 1: best.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: further with you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Did you\n\nChannel 1: Because\n\nChannel 0: wanna\n\nChannel 1: I also\n\nChannel 0: book in...\n\nChannel 1: I also had a meeting booked for my part... My current partner, but he missed his appointment with you on Monday at 03:30, Paul\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Murphy, because we had a a change of kids and stuff. So he missed\n\nChannel 0: Okay.\n\nChannel 1: your appointment. So we'll probably wanna discuss those insurances together.\n\nChannel 0: Okay. Alright. No. That's absolutely fine. Did you wanna book in a time for that, or do you wanna wait?\n\nChannel 1: Yeah. Can I just wait at the moment? Because I don't have a diary\n\nChannel 0: Yeah.\n\nChannel 1: or anything in front of me.\n\nChannel 0: Of course. How about I reach out in about a week,\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: and we'll touch base and set up a time for yourself and Paul.\n\nChannel 1: Yep.\n\nChannel 0: And once you've had a chance to review those documents,\n\nChannel 1: Yep.\n\nChannel 0: if you're comfortable to sign, please do so. If you've got any questions, please give\n\nChannel 1: Oh, excellent, Jenna. Thank\n\nChannel 0: me\n\nChannel 1: you.\n\nChannel 0: a callback. You're absolutely welcome, Alicia. Enjoy your day.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jenna.","start":1.1999999,"end":1.92,"sentiment":"neutral","sentiment_score":0.1953039914369583},{"text":"Thanks for calling back.","start":1.92,"end":3.06,"sentiment":"positive","sentiment_score":0.6196213513612747}],"sentiment":"positive","sentiment_score":0.47818223138650257,"channel":1,"num_words":6,"start":1.1999999,"end":3.06},{"sentences":[{"text":"That's okay.","start":3.6799998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.2946241647005081},{"text":"Are you on break, or","start":4.3199997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.04312054626643658}],"sentiment":"neutral","sentiment_score":0.11497872296188559,"channel":0,"num_words":7,"start":3.6799998,"end":5.7799997},{"sentences":[{"text":"I am","start":5.92,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.052889253944158554}],"sentiment":"neutral","sentiment_score":0.052889253944158554,"channel":1,"num_words":2,"start":5.92,"end":6.3199997},{"sentences":[{"text":"do you...","start":6.08,"end":6.66,"sentiment":"neutral","sentiment_score":0.058234505355358124}],"sentiment":"neutral","sentiment_score":0.058234505355358124,"channel":0,"num_words":2,"start":6.08,"end":6.66},{"sentences":[{"text":"on break.","start":6.3199997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.06372329220175743},{"text":"Yeah.","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.08975464105606079}],"sentiment":"neutral","sentiment_score":0.07240040848652522,"channel":1,"num_words":3,"start":6.3199997,"end":7.3799996},{"sentences":[{"text":"Okay.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.13173505663871765}],"sentiment":"neutral","sentiment_score":0.13173505663871765,"channel":0,"num_words":1,"start":7.9199996,"end":8.24},{"sentences":[{"text":"Hopefully,","start":8.16,"end":8.639999,"sentiment":"neutral","sentiment_score":0.2578582167625427}],"sentiment":"neutral","sentiment_score":0.2578582167625427,"channel":1,"num_words":1,"start":8.16,"end":8.639999},{"sentences":[{"text":"Beautiful.","start":8.24,"end":8.74,"sentiment":"positive","sentiment_score":0.5180949568748474}],"sentiment":"positive","sentiment_score":0.5180949568748474,"channel":0,"num_words":1,"start":8.24,"end":8.74},{"sentences":[{"text":"the questions aren't gonna be too hard because I don't have a computer in front of me.","start":8.639999,"end":11.94,"sentiment":"neutral","sentiment_score":0.12055938866208582}],"sentiment":"neutral","sentiment_score":0.12055938866208582,"channel":1,"num_words":17,"start":8.639999,"end":11.94},{"sentences":[{"text":"No.","start":12.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.008737415075302124},{"text":"But before I do go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":13.12,"end":18.525,"sentiment":"neutral","sentiment_score":0.025437684380449355},{"text":"Is that okay?","start":18.525,"end":19.425,"sentiment":"neutral","sentiment_score":0.06946526591976483}],"sentiment":"neutral","sentiment_score":0.029558487070192183,"channel":0,"num_words":28,"start":12.559999,"end":19.425},{"sentences":[{"text":"Yeah.","start":19.715,"end":19.955,"sentiment":"neutral","sentiment_score":0.029345039278268818},{"text":"Yeah.","start":19.955,"end":20.275,"sentiment":"neutral","sentiment_score":0.032757148146629333},{"text":"Of course.","start":20.275,"end":20.935001,"sentiment":"neutral","sentiment_score":0.032733858563005924}],"sentiment":"neutral","sentiment_score":0.0318924761377275,"channel":1,"num_words":4,"start":19.715,"end":20.935001},{"sentences":[{"text":"And, Alicia, we have a client password on file.","start":21.565,"end":24.605,"sentiment":"neutral","sentiment_score":0.03361798719399505},{"text":"Do you...","start":24.605,"end":25.345001,"sentiment":"neutral","sentiment_score":0.015859364066272974},{"text":"Are you","start":25.725,"end":26.125,"sentiment":"neutral","sentiment_score":0.010541231837123632}],"sentiment":"neutral","sentiment_score":0.02733562127328836,"channel":0,"num_words":13,"start":21.565,"end":26.125},{"sentences":[{"text":"Is","start":26.035,"end":26.195,"sentiment":"neutral","sentiment_score":0.00939040444791317}],"sentiment":"neutral","sentiment_score":0.00939040444791317,"channel":1,"num_words":1,"start":26.035,"end":26.195},{"sentences":[{"text":"able","start":26.125,"end":26.445,"sentiment":"neutral","sentiment_score":0.010162463411688805}],"sentiment":"neutral","sentiment_score":0.010162463411688805,"channel":0,"num_words":1,"start":26.125,"end":26.445},{"sentences":[{"text":"it Batman?","start":26.195,"end":26.935001,"sentiment":"neutral","sentiment_score":0.008815180975943804}],"sentiment":"neutral","sentiment_score":0.008815180975943804,"channel":1,"num_words":2,"start":26.195,"end":26.935001},{"sentences":[{"text":"to give that...","start":26.445,"end":27.345001,"sentiment":"neutral","sentiment_score":0.0052741508310039835},{"text":"Yes.","start":28.13,"end":28.63,"sentiment":"neutral","sentiment_score":0.02973797172307968},{"text":"There's some","start":28.849998,"end":29.49,"sentiment":"neutral","sentiment_score":0.01388622634112835}],"sentiment":"neutral","sentiment_score":0.012222146149724722,"channel":0,"num_words":6,"start":26.445,"end":29.49},{"sentences":[{"text":"Okay.","start":29.25,"end":29.75,"sentiment":"neutral","sentiment_score":0.017808258533477783}],"sentiment":"neutral","sentiment_score":0.017808258533477783,"channel":1,"num_words":1,"start":29.25,"end":29.75},{"sentences":[{"text":"digits in there.","start":29.49,"end":30.63,"sentiment":"neutral","sentiment_score":0.017792317395408947}],"sentiment":"neutral","sentiment_score":0.017792317395408947,"channel":0,"num_words":3,"start":29.49,"end":30.63},{"sentences":[{"text":"Okay.","start":31.730001,"end":32.13,"sentiment":"neutral","sentiment_score":0.029474912211298943},{"text":"Is it Bat76Man?","start":32.13,"end":34.23,"sentiment":"neutral","sentiment_score":0.034635210409760475}],"sentiment":"neutral","sentiment_score":0.03334513586014509,"channel":1,"num_words":4,"start":31.730001,"end":34.23},{"sentences":[{"text":"It is.","start":34.69,"end":35.25,"sentiment":"neutral","sentiment_score":0.10979057848453522},{"text":"Perfect.","start":35.25,"end":35.75,"sentiment":"positive","sentiment_score":0.5526396036148071},{"text":"Thank you for confirming that.","start":37.17,"end":39.03,"sentiment":"positive","sentiment_score":0.6012953281402588}],"sentiment":"positive","sentiment_score":0.47233717516064644,"channel":0,"num_words":8,"start":34.69,"end":39.03},{"sentences":[{"text":"Yeah.","start":39.41,"end":39.91,"sentiment":"neutral","sentiment_score":0.10233954340219498}],"sentiment":"neutral","sentiment_score":0.10233954340219498,"channel":1,"num_words":1,"start":39.41,"end":39.91},{"sentences":[{"text":"I...","start":41.005,"end":41.085,"sentiment":"neutral","sentiment_score":0.0481259860098362},{"text":"Before we start, first of all, I think I'd just like to ask you, are there any significant changes in your personal life at the moment, financial or anything that we need to","start":41.085,"end":51.245,"sentiment":"neutral","sentiment_score":-0.0283291986579019}],"sentiment":"neutral","sentiment_score":-0.026080516755909604,"channel":0,"num_words":34,"start":41.005,"end":51.245},{"sentences":[{"text":"Yeah.","start":51.185,"end":51.425,"sentiment":"neutral","sentiment_score":-0.02142447978258133}],"sentiment":"neutral","sentiment_score":-0.02142447978258133,"channel":1,"num_words":1,"start":51.185,"end":51.425},{"sentences":[{"text":"flag?","start":51.245,"end":51.745,"sentiment":"neutral","sentiment_score":-0.01974538154900074}],"sentiment":"neutral","sentiment_score":-0.01974538154900074,"channel":0,"num_words":1,"start":51.245,"end":51.745},{"sentences":[{"text":"Yeah.","start":51.425,"end":51.905,"sentiment":"neutral","sentiment_score":-0.026686713099479675},{"text":"So so previously, I was just doing a few con...","start":51.905,"end":57.52,"sentiment":"neutral","sentiment_score":-0.04865127671509981},{"text":"I was...","start":57.52,"end":57.920002,"sentiment":"neutral","sentiment_score":-0.04089142940938473},{"text":"I'm a sole director of my own business,","start":57.920002,"end":59.940002,"sentiment":"neutral","sentiment_score":-0.0400035553611815}],"sentiment":"neutral","sentiment_score":-0.0435719419980333,"channel":1,"num_words":21,"start":51.425,"end":59.940002},{"sentences":[{"text":"Yep.","start":60.539997,"end":61.039997,"sentiment":"neutral","sentiment_score":-0.02643772028386593}],"sentiment":"neutral","sentiment_score":-0.02643772028386593,"channel":0,"num_words":1,"start":60.539997,"end":61.039997},{"sentences":[{"text":"and I had to relocate it due","start":61.120003,"end":66.275,"sentiment":"neutral","sentiment_score":-0.057368493505886624}],"sentiment":"neutral","sentiment_score":-0.057368493505886624,"channel":1,"num_words":7,"start":61.120003,"end":66.275},{"sentences":[{"text":"Yep.","start":65.979996,"end":66.285,"sentiment":"neutral","sentiment_score":-0.08285510540008545}],"sentiment":"neutral","sentiment_score":-0.08285510540008545,"channel":0,"num_words":1,"start":65.979996,"end":66.285},{"sentences":[{"text":"to a Q Cat issue with the landlord.","start":66.275,"end":68.935,"sentiment":"neutral","sentiment_score":-0.10436147730797529},{"text":"So","start":69.395,"end":69.795,"sentiment":"neutral","sentiment_score":-0.037091612815856934}],"sentiment":"neutral","sentiment_score":-0.09688704791996214,"channel":1,"num_words":9,"start":66.275,"end":69.795},{"sentences":[{"text":"Yep.","start":69.565,"end":70.065,"sentiment":"neutral","sentiment_score":-0.051372818648815155}],"sentiment":"neutral","sentiment_score":-0.051372818648815155,"channel":0,"num_words":1,"start":69.565,"end":70.065},{"sentences":[{"text":"over the last twelve months, I've had a significant downscale resize of the 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representative discusses the customer's personal and financial situation, including their recent business consolidation and involvement in a caravan company. They confirm employment details and income, including their employer and daughter's involvement. The speaker provides personal and business information and discusses retirement plans and health issues. They also mention two funds in the caller's portfolio and offer alternative options for their current fund. The caller confirms their health and retirement plans, including their PSS account and another investment portfolio. The speaker discusses the speaker's health and retirement plans, including their PSS account and another investment portfolio, and schedules a separate appointment for insurance documents."},"intents":{"segments":[{"text":"I have you down here still as a nonsmoker. Is that correct? Yep.","start_word":1317,"end_word":1329,"intents":[{"intent":"Confirm understanding","confidence_score":0.041450825}]},{"text":"And do you have private health insurance? 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It's a visual aid that I use in the reviews just to show clients how the market reacts, which in your growth assets is your shares, both Australian and international, and your listed property funds being your growth assets, which are ones that experience a lot more volatility than the defensive sector being your fixed interest and cash.","start_word":1964,"end_word":2030,"intents":[{"intent":"Inform clients about portfolios","confidence_score":0.00006729806}]},{"text":"I do note that you don't have any insurance policies in place. For what? Life life insurance, TPD, or income protection or trauma insurance. 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And, Alicia, we have a client password on file. Do you... Are you Is able it Batman? to give that... Yes. There's some Okay. digits in there. Okay. Is it Bat76Man? It is.","start_word":23,"end_word":104,"sentiment":"neutral","sentiment_score":0.04805463179945946},{"text":"Perfect. Thank you for confirming that.","start_word":105,"end_word":110,"sentiment":"positive","sentiment_score":0.5815746188163757},{"text":"Yeah. I... Before we start, first of all, I think I'd just like to ask you, are there any significant changes in your personal life at the moment, financial or anything that we need to Yeah. flag? Yeah. So so previously, I was just doing a few con... I was... I'm a sole director of my own business, Yep. and I had to relocate it due Yep. to a Q Cat issue with the landlord. So Yep. over the last twelve months, I've had a significant downscale resize of the business, Yep. but it kind of allotted in quite well to my personal life, to be honest. But Okay. what I've Yep. what I've done is I've taken taken on a job. So I've scaled the business down and, like, half... Like, more than half my employees, unfortunately. And Yep. I've taken on a job, which Okay. I'm now getting super every week. Okay.","start_word":111,"end_word":264,"sentiment":"neutral","sentiment_score":-0.04502082988619805},{"text":"Beautiful.","start_word":265,"end_word":265,"sentiment":"positive","sentiment_score":0.3867356777191162},{"text":"Thank you. What what what work are you doing? I've actually just done something remotely, like, that I've never done before. So so previous to owning the bathhouse, before my husband passed away, I I was a director of surgery. So I ran trauma Yes. units and operating theaters. And Yes. now I am managing the logistics of a caravan company who have a Wow. 130 caravans, and we just, like, bring them in, bring them out, people take them on a holiday. He's... Yeah. So That's it it uses exciting. my... It uses my logistical brain again that I haven't used for a long time, but in a different way.","start_word":266,"end_word":376,"sentiment":"neutral","sentiment_score":0.058024681114532926},{"text":"That's exciting.","start_word":377,"end_word":378,"sentiment":"positive","sentiment_score":0.3908892869949341},{"text":"And something different... Well, it's something that just fits into the boys in my life. You know? And Because... that's what's most important. Yeah. Because my 15 year old is just about to move to Spain for three months. He just got offered a contract to play football. So Oh, I wow. I was also... He was like, oh, shit. Where am I gonna get the money from? Masai isn't gonna make it for me even though Yeah. he's got an agent and, like, there's, you know, monetary stuff. And then my eight year old just... He's gonna need me around a bit more. So I needed to kind of restructure the world. Understandable.","start_word":379,"end_word":492,"sentiment":"neutral","sentiment_score":0.001531878486275673},{"text":"Oh, that's that's very exciting for your son. What a great opportunity.","start_word":493,"end_word":504,"sentiment":"positive","sentiment_score":0.5403199791908264},{"text":"Yeah. Yeah. As a mom, probably pretty scary. It's like a... It's a mixture of feelings, isn't it? Because you're, like, so excited for their opportunity, but, like, they're 15 and you're, like, on the other side of the world. Yeah. There's there's Yeah. definitely Yeah. a mixture of feelings there going on. I could Because I he's could mature, but he's understand. still got 15 year old brain. Right. You know? Exactly. Right? Mhmm. So it's for three months, you say. Yeah. So it Okay. looks like... You should have probably got a contract because I gave... I did give my new employer my super details last week, but I am... I was late giving them to him because I've been on the payroll for four weeks now. I'm not sure if he's made the first contribution or not. I I can check that for you. I can check that and Yeah. confirm post our meeting. Yeah. Yeah. I And I will... took a compassionate release in April. Yes. Yep. Yep. And I'm... Yeah. And I'm definitely due to restructure things. Okay. I will run through some of the information we have on file just to see if we need to update anything. Yep. Yep. Your... You... Do you still live at 37 Yep. Hemis Crescent? Did Yep. I say Yep. that right? Yep. Yep. In Charlotte Park.","start_word":505,"end_word":733,"sentiment":"neutral","sentiment_score":-0.02211584529013873},{"text":"Fantastic.","start_word":734,"end_word":734,"sentiment":"positive","sentiment_score":0.6160173416137695},{"text":"Yep. And what are your boys' names? So Connor's my youngest one, and Yeah? Lekinis is my eldest one. Okay. And we have here Michelle Mada... My day? Marie, Yeah. yep, as your next of kin. Yeah. Yeah. So she, at the time when my husband passed away, was... She's a bank manager. So she just, like, managed all of my paperwork. Like, she was just exceptional. So Okay. it Oh, was that's just... great. Yeah. She's been my friend for, like, twenty six years. So I just had her down at that stage. Yeah. Yeah. So would you still like to keep her as your next of kin for our records? At the moment, I think. I do wanna put Lucas down as a beneficiary, you know, Mhmm. at some stage, but I hadn't quite got around to that. Okay. We can definitely talk through that. I've I've I've got all your details here for your employment. So your new employment, is it full time, part time, casual? I actually haven't got my contract yet. I think it's Okay. gonna be part time. Part Yeah. So I work I work three days a week at the moment, but I don't... I'm not sure if the contract put me down as casual part time yet time. Okay. And because three I think days he per has week. bigger visions Yep. for me. Okay? So three days per week, is that eight hours a day? Or Yep. Yep. And do you know what your income is for the three days a week? Like, after tax, about 800. 800 after 900 tax. or 800. Yeah. Yep. And we had your business income as sitting at 26. Do you... Is that still Yeah. Keep applicable? it at that. Yeah. Keep it Yes. at that. Because I'm... Like I said, I've downscaled considerably. So... Yeah. Yes. Okay. We had your expenditure of about $500 a week. Does that sound correct? Yeah. Yeah. Any savings per week that you do on a regular basis? Yeah. I do. Yeah. How much do you do? And weekly, I'm not sure, but I've got a fair bid in there at the moment. Yeah. I got about 30 in there at the moment, but I'm just about to finish the kitchen and do some other stuff with it. Okay. Okay. And we've got your home value that 950,000. Do you think that's still Just had it revalued recently. It came in at one... Was it 1.21... Yeah. One accurate? point two. Okay. And is Yeah. there still no no debt attached No. I've taken a remortgage. to it? Okay. How much debt is attached to it now? 200. 200. Yeah. Okay. Not a And, yeah, that's good.","start_word":735,"end_word":1192,"sentiment":"neutral","sentiment_score":0.016792134341161585},{"text":"That's good.","start_word":1193,"end_word":1194,"sentiment":"positive","sentiment_score":0.5088945627212524},{"text":"And lot. we have a car valued at 35,000. Yep. I Is got there... one car I got one car. That's my personal car, my Honda. And then Yep. I bought one through the business as well. I bought a Mitsubishi Triton. And how much is that worth? I think it's about $42.40. Yeah. Yeah. Yeah. Any debt on that one? Yeah. I'm paying that off with the business, but I own a Okay. Honda. Yep. Do you know what Yeah. the debt is roughly on the Triton? I've only had it for six months. So, Yep.","start_word":1195,"end_word":1291,"sentiment":"neutral","sentiment_score":0.012676943093538284},{"text":"but I bought it for... Got a good deal on it, actually. That's always a win.","start_word":1292,"end_word":1307,"sentiment":"positive","sentiment_score":0.6074875593185425},{"text":"I think I have about 28. Okay. Yep. Okay. I have you down here still as a nonsmoker. Is that correct? Yep. Do you have any significant health issues or injuries or take medication? Nope. No. Okay. And do you have private health insurance? No. I canceled Yes.","start_word":1308,"end_word":1355,"sentiment":"neutral","sentiment_score":-0.011054215021431446},{"text":"It's very expensive these days, it.","start_word":1356,"end_word":1361,"sentiment":"negative","sentiment_score":-0.41536498069763184},{"text":"isn't it? Well, it wasn't about that. It was just I had a really bad experience in the public... In the private system. So... Yeah. Oh. Oh, Yep. no. And I I still get my extras, Yep. but, yeah, I canceled the private health. Okay. And the last time we checked in, you said you did have a will and power of attorney, but they needed updating. Is that That's correct. still the case? I do. I do need to do that. Okay. I haven't Alright. done it since my husband passed away. Okay. Okay. Did you want me to send you through a a brochure for a part... A professional partner that we use Yep. Yes, please. to give that information quite discounted rates? Well, from Yep. what Yeah. I've seen, That'd be great, Jenna. Yep.","start_word":1362,"end_word":1498,"sentiment":"neutral","sentiment_score":-0.03340863436460495},{"text":"Thank you. quite reasonable.","start_word":1499,"end_word":1502,"sentiment":"positive","sentiment_score":0.39203572273254395},{"text":"I can do that. Yep. Okay. I'm gonna quickly send you through in your emails if you have access to it. If you don't, you can check it later. It's the review documentation that I'm just gonna talk through with you. Uh-huh. Uh-huh. I'm just hitting send. I won't be a second. My fingers are not going as fast as they usually do. That's alright. Okay. So it will come through from myself or OdooSign depending on how it displays in your emails. Mhmm. And Oh, yeah. when I you can do see that it... signature request. Yeah. Yeah. Yep. So if you open it and I think there's a a box that says sign here or Oh, something. yes. If Signed you click document. that, Yeah. I'll have a look yeah, at that it'll later. Yeah. yep. It just opens the documents that I'm gonna talk through. You're not signing anything when you click that. You're just opening them. Yep. So what I'm gonna do is briefly run through your superannuation as that's what we have with... For you. You... Yeah. We... Your balance with Hub twenty four at the moment sits at $354,006, Yep. and you've got a small balance with PSS of about 7,700. Yep. Your Hub twenty four performance in the last twelve months has returned about 2.45% net of fees. Yep. That's a couple of reasons. You've got two funds in there that we wanna flag to review. One of them being the Benelong Australian Equities Fund. Underperformance is due to their investment mandate, not necessarily their... The Australian share market performing badly. So they look for opportunities for growth undervalued companies in the Australian share market, Yeah. And the... Their mandate hasn't hit the benchmark, let's say, for the last twelve months. So we're looking at potential replacements for them. K. And then, additionally, we've got the Vernek Property Fund. So the property fund's just taken a bit of a hit recently, Yep. Mhmm. and we're looking at alternatives for our clients for that. So those two have been underperformance Mhmm. for us. So that reflects the lower rate of return for you over the last twelve months. If we Mhmm. looked at it over the last six months, that return would be higher Mhmm. because the market's just recovered a little bit. But with your permission, I'd like to have a look at those funds for you if that's okay. Yes. Of course.","start_word":1503,"end_word":1912,"sentiment":"neutral","sentiment_score":-0.03902932192857673},{"text":"Thank you.","start_word":1913,"end_word":1914,"sentiment":"positive","sentiment_score":0.425139844417572},{"text":"Yep. So you've still got your PSS account. Nothing there to change. Still sitting there until preservation age, which is 60 for yourself.","start_word":1915,"end_word":1937,"sentiment":"neutral","sentiment_score":-0.08858403628287108},{"text":"Not much we can do with it.","start_word":1938,"end_word":1944,"sentiment":"negative","sentiment_score":-0.457769513130188},{"text":"Yep. It will just sit there until you're ready to retire or reach the reservation age. Yep. Okay. Yep. The next document is just the Vanguard index chart. It's a visual aid that I use in the reviews just to show clients how the market reacts, which in your growth assets is your shares, both Australian and international, and your listed property funds being your growth assets, which are ones that experience a lot more volatility than the defensive sector being your fixed interest and cash. Yep. At the moment, you're invested as a gross investor. What that means is that predominantly, the majority of your funds are invested in the growth assets being approximately 80% with Yep. the remaining 20% in defensive assets. So Yeah. what I that realized. means is... Yep. Yeah. High high risk. Yep. Yep. A higher risk. Yeah. So what we anticipate in that type of environment is at least a one in five year negative return Mhmm. with a minimum time frame of six years. So Mhmm. you've got ten years until you reach preservation age Yep. before you can access super. So what that tells us is that you do have time on your side to ride the wave of volatility should Yep.","start_word":1945,"end_word":2154,"sentiment":"neutral","sentiment_score":-0.07528314739465714},{"text":"the market have a significant downfall.","start_word":2155,"end_word":2160,"sentiment":"negative","sentiment_score":-0.3981597125530243},{"text":"Yep. So based on that, I... And you being a growth investor, are you comfortable maintaining a growth investment profile, or would you like to look to reduce that, increase that? What are your thoughts? You wanna No. I wanna stay.","start_word":2161,"end_word":2201,"sentiment":"neutral","sentiment_score":-0.07106617838144302},{"text":"Fantastic.","start_word":2202,"end_word":2202,"sentiment":"positive","sentiment_score":0.4050797820091248},{"text":"The next document is a financial services guide. It is a legal document that just explains who we are, who we're licensed through, the services we provide, how we provide them fees, and how you can go the complaints process if you're unhappy with anything that we provide you. Yep. And the final document is the ongoing services fee. So that's the renewal of your advice fee with us if you wish to maintain continuing being a client. Yep. That is set at a set dollar figure of $5,677.20 per year. Mhmm. So... And that's then divided by 12 and paid monthly. So that's equivalent to $473.10 per month And that just comes out of that. Yep. of the super fund. Yep. Yeah. Yep. That's So same not a arrange... problem. Yeah. Same arrangement. It's it's... If you need a review, you're not you're not stuck to an annual review. If you need anything more regularly, we can accommodate that. Any other additional advice, we can accommodate as well. So Okay. it's... Sure. Yeah. And then finally, I just need to ask. I do note that you don't have any insurance policies in place. For what? Life life insurance, TPD, or income protection or trauma insurance. Is that something Yep. that you wanted to Yeah. Probably. investigate? Yeah. So that would take a little bit more time. Do you want me to set you up with a separate time that we... Yeah. I can Probably discuss best. that Yeah. further with you? Yeah. Yeah. Did you Because wanna I also book in... I also had a meeting booked for my part... My current partner, but he missed his appointment with you on Monday at 03:30, Paul Okay. Yeah. Murphy, because we had a a change of kids and stuff. So he missed Okay. your appointment. So we'll probably wanna discuss those insurances together. Okay. Alright. No. That's absolutely fine. Did you wanna book in a time for that, or do you wanna wait? Yeah. Can I just wait at the moment? Because I don't have a diary Yeah. or anything in front of me. Of course. How about I reach out in about a week, Yeah.","start_word":2203,"end_word":2568,"sentiment":"neutral","sentiment_score":0.00180199343324359},{"text":"Perfect.","start_word":2569,"end_word":2569,"sentiment":"positive","sentiment_score":0.4846870303153992},{"text":"and we'll touch base and set up a time for yourself and Paul. Yep. And once you've had a chance to review those documents, Yep. if you're comfortable to sign, please do so. If you've got any questions, please give Oh, excellent, Jenna.","start_word":2570,"end_word":2612,"sentiment":"neutral","sentiment_score":0.22250214219093323},{"text":"Thank me you.","start_word":2613,"end_word":2615,"sentiment":"positive","sentiment_score":0.59942626953125},{"text":"a callback.","start_word":2616,"end_word":2617,"sentiment":"neutral","sentiment_score":0.2510976493358612},{"text":"You're absolutely welcome, Alicia. Enjoy your day. You too. Thank you. Thanks. Bye.","start_word":2618,"end_word":2630,"sentiment":"positive","sentiment_score":0.7650813460350037},{"text":"Bye. Bye.","start_word":2631,"end_word":2632,"sentiment":"neutral","sentiment_score":0.25202032923698425}],"average":{"sentiment":"neutral","sentiment_score":0.008048576160962986}}}}