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Yeah. Perfect. Now before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to touch on a bit more or just a bit of an update and see where everything's at? Mhmm. I see. Yep. Yep. Perfect. Now what I will go through with you first, before I kind of go through all your superannuation, is just a bit of an updated fact sign just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I go through this. Now when it comes to your personal information, I have you down here as in a de facto relationship with one financial dependent. Is that still the case? Yep. Perfect. And next up, can I have Jalene nominated? That's still the case as well? Yep. Perfect. And when it comes to your employment, has any of that changed in the last twelve months? Yep. Perfect. And so still doing, like, the warehousing and truck driving? No. Ah, okay. Perfect. When did you start there? Oh, yeah. And how are you finding it so far? Oh, that's great. And working full time still? Working full time as well? Yep. Yep. Income wise, do you know what your income is at the moment? 2,200 per fortnight after tax. And does that change at all, or do you do overtime or bonuses or anything, or it's pretty consistent? No. Okay. Perfect. And do they pay you that standard 12% contribution into super, or do they have a special enterprise bargain agreement or anything like that? Just the standard. Yes. Let me go in and have a look. Sometimes it shows up in a bit different as well, like the name, but let me just triple check that in your account for you. That's good. Yeah. Yeah. I can see here on the June 30, they deposited $330 at Shire of Meriden. Yeah. Perfect. Oh, matches. Yeah. I can see they did, yeah, fortnightly, three through nine on the June 16, and then you had 03:40. So it does vary a little bit. But around yeah. 03:40, and then you had three twenty nine, 03:29. So, yes, it's been going in 03:28. So, yeah, it's been going in pretty consistently every fortnight, which is great. So that's all good. Now asset and liabilities wise, I have here a check fee of that $4,000. Still have that on perfect. And you didn't have anything up owing on that one, do you, Travis? No. Perfect. I also have here a motor vehicle right at about $9,000. Yep. And a motor vehicle as well. Yep. Perfect. So I have a motor vehicle 9,000 and the motorbike at 6,000. Does that sound about right? Yep. And then tools for about 60,000. Yeah. Yeah. Now any other assets or any, like, personal loans, credit cards, or anything else we haven't gone through? Oh, yeah. No. Okay. And do you know how much the total loan was? 500. And how much was that the value of the chair as well? Or oh, wow. Perfect. But if you were to, let's say, tryna sell it, it would be worth about 11,000. About 4,000. Okay. Yeah. True. Okay. Anything else anything else that's new? No. That's all good. Alright. Health and lifestyle wise. Are you a smoker? Oh, beautiful. And when did you quit? Yes. So would you say over twelve months since last time you had anything? Okay. That is really good because, basically, what that means obviously, aside from that's great from health. What it means from insurances is that we can look at removing your smokers range, which will see the policy being a lot cheaper. So, basically, what the insurers do is they play something that's called a loading on an insurance policy if you are a smoker. So because they are well, there's a higher risk of of something, they increase your premium a little bit. But when you have been when it's been more than twelve months since you had, like, a cigarette or vaping or nicotine, tablets, chewing gum, anything like that, they are happy to review getting those purchase rates off. Yeah. So what I will do after the call is I will get the team notified, and then they can send you out a little document to complete. Basically, just declaring and confirming that you have stopped smoking, and then we can send that off through MLC for your insurances and look to get those reduced, which we'll often see it reduced by quite a bit, which which is fantastic. So great job. No worries. Otherwise, any changes to your health otherwise? No. Oh, great. Yeah. And estate planning wise, do you guys have a will in place at all? No. Not the will. They're kind of on the to do list. On the to do list? Yep. Do you know somewhere or someone that you can speak through to get it sorted, or would you like us yeah. Okay. Perfect. Now, otherwise, you don't have anyone who makes any financial decisions on your behalf or a power of attorney in place or anything like that? No. Great. Yes. So for your insurances and hub twenty four for your super funds, We don't currently have a valid nomination on file for that. So do you remember a valid nomination so you have made a decision of who you want to give it to if something were to happen? Do you remember receiving those documents in the post by any chance? You do? Do you no. That's all good. Yeah. Of course. Do you have access to a printer? Yeah. Okay. Perfect. What I'll do is I will get the team to email them through you. That way, it's in your inbox as well. If you ever lose them, have a look through them. If you have any issues or question completing them, just just let me know. But, otherwise, I will get that emailed to you just so that if something ever were to happen, we wanna make sure, obviously, we have everything in place that you will then go to whoever you wanna allocate it to. Yep. Perfect. Otherwise, when it comes to, I guess, goals or stuff that you are working towards or that you are wanting to achieve, during under review is often a good time to kind of check-in to see, okay. What was the goal last time? How did we go? Is that still the plan, or has anything kind of changed? So last time yeah. When you spoke so when you spoke to my KA colleague, Dana, you had here that kind of in the medium terms in the next couple of years was through a look at buying a property, like an investment property in the city. Is that still kind of something you are working towards? Yep. Okay. Perfect. Yep. And have you started looking, or is it just kind of in a, like, a couple of years? Okay. Yeah. Well, if it is that when you are ready to have a look at it or if you wanna know, you know, borrowing capacity or anything like that, just let us know because we do work closely with a couple of different brokers that can give you a bit of an assessment to be like, okay. Well, this type of property would cost roughly this much, and this is how much you can borrow and stuff, which is sometimes a good little check-in to say where you are at and how much you might need to achieve that. Yeah. Yeah. Is there anything else that you are working towards aside from the the property otherwise there, Travis? Was that your main focus? Yep. Focus on growing. And at the moment, you are not making any additional contributions. It's just that from your employer. Right? Yeah. Yep. Perfect. Well, talking about your superannuation, what I will go through next is just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed. If we need to make any changes to your risk profile in your super, so how your money is invested. Now some of it can be a little bit tricky because it's kind of all hypothetical about how you would feel in certain situations, and there's no right or wrong answer. It's just so whatever you feel is the most appropriate for you. Does that make sense? Yep. And it's all multiple choice as well, so it makes it nice and easy. But, Travis, have you ever bought direct shares yourself on the stock market? Nope. And time frames to retirement. Do you know roughly, ideally, when you think you would like to retire and start accessing your superannuation? Tomorrow? So, well, the earliest you can access super well, you can retire. You just can't get super yet. But the earliest with the current legislation if you stop working is at 60. So I can just put down ideally 60, obviously, trying to get you to your goals by then. And if you do yeah. Okay. Perfect. Yep. Perfect. And I guess when it comes through how much risk you're willing to take for your superannuation. So would you say that you are willing to accept very high risk, high mod moderate, or a small amount of risk for your superannuation in order to make sure that continues to grow, but also that you are comfortable with the short term fluctuation. In the middle about moderate? Yep. Okay. I yes. Yes. Perfect. And when it comes to fluctuations or volatility in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So it's not like one particular investment that's gone bad, just the market as a whole that has seen a bit of a drop. Now would would you yeah? Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold on right to see what happens, Or would you want to shift to a more secure asset, so that means you are then selling prices have dropped? Yep. Yeah. Good answer. Yep. Okay. Yes. Perfect. Yeah. Okay. Perfect. So if the if the opportunity was good good for it and there was no underlying, I guess, reason why it happened through that particular investment and it was a good investment opportunity, potentially invest a little bit more, but, obviously, depending on market trends and risk and everything like that. Yep. Okay. Perfect. Now when it comes to fluctuations again so any fluctuations to any investment. So for example, superannuation or any other investment, when they fall in value, would you say that you feel optimistic optimistic about potential future investment opportunity, a bit more kind of neutral, not making further investment, concerned, or highly anxious? No. That's okay. So the question is in regards to any assets fluctuating. So let's say, for example, superannuation. If superannuation ever fell in value so say you looked at it one day and then the the next week or month, it was down. Would you feel positive about it because you are like, okay. Well, now there are potential investment opportunities that I can take advantage of. Would you be a bit more kind of neutral, understand, well, that is just the nature of the market that sometimes it will fluctuate depending on what's going on, that you wouldn't kind of react. You would just let it be, or you would be quite concerned or anxious about it. Yep. Yes. Yep. Okay. Yeah. Okay. Fantastic. And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds personally? Maybe? Yep. Okay. Well, if yeah. Yeah. I open split if it's still an option. Now that tells me here that you have come out as a high growth investor, which is the portfolio that we currently have you invested in. So they do align, which is good. Do you remember what it means to be a high growth investor at all there, Trevor? Yeah. Well, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you can access it. But at the same time that you are prepared and understand that there will be some fluctuations in the short term because of it. Now, typically speaking, when we are also then talking about an asset allocation to how your money is actually invested, we see about 90% invested in what we would call your growth assets. Now this will be things like Australian shares, international shares, up property as well, and that is what's going to kind of give you that growth for your super. But then we also have about 10% in your defensive investment. So that will be things like cash, fixed interest, gold a little bit as well. So try not to limit the fluctuations a little bit, but the main focus is to kinda grow your super as much as possible. Now when we're also then making sure you have enough time in the market for those short term fluctuations, In a high growth portfolio, typically, we would like to see about eight years or so until retirement. So from a time frame point of view, you you have that behind you, which is great. As long as you are still kind of feeling comfortable with with that high high growth portfolio. Yep. Okay. Fantastic. And now last thing here is just to go through a couple of documents and show you kind of what's happened to your super and where everything is at. Do you have access to your emails at the moment? Yes. Okay. Fantastic. But what I have done is I have just sent you an email with some documents to run through. If you can access that for me, it just makes it a little bit easier for you as I kind of run through these documents. So let me know if you can access that. Okay? Okay. Perfect. Yep. So when you press sign documents, it will allow you to open up everything and look at it before it prompts you to sign just to make sure you are happy with everything. So Yep. Now the first document, I believe, should be your super and insurance summary. Can you see that? Okay. So we'll start that way to make it easier for you. Is that the Vanguard index chart? Yes. Now this one here, it is a good visual representation of what we are talking about when we are talking about the market. Now it kind of shows have you ever seen something like this before? Yeah. Okay. Perfect. Basically, Vanguard does release one every year, which is great. So they should have a new one coming out shortly, but it just basically shows those up and down of the market throughout time. Basically tells us that over the long term, market always goes up. Short term, there will be some ups and downs and market fluctuations, and it breaks down the different asset classes. So kind of referring back to that high growth portfolio, those growth investments are your top four. So you can see The US shares, which is, like, your light green, Australian shares, which is, like, your dark green, international shares is, like, your yellow, and then property, which is, like, your maroon color. So those are kind of the ones you can see that grow the most, but they also fluctuate. And then defensive is, like, those bottom three. Does that make sense? Yeah. Okay. Perfect. Now what is the next one that you can see? Okay. Perfect. So this one here gives you a breakdown of your portfolio. So it shows you kind of what has happened in the last now let me have a look here for you. So this one here now I will get the team through let me check. On the date at the top, can you see what date range does it say? Can you see that? Yep. Beautiful. So it does give us a pretty good breakdown of what has happened during that time, which obviously is not a a super long time, but it's still a good time to see what's happened in the market. Because, obviously, recently, which I'm sure you have heard on the news or seen on the TV, there's obviously been a bit going on in the world and the market with everything with the war that's going on. So obviously, I have seen a, yeah, a bit of fluctuation to the market. Now the good thing is that despite that, especially being in a high growth portfolio, you you would potentially see, you know, a little bit more fluctuations because of it. Because of that still, though, you can see that your portfolio over that period of time so if you scroll down to page two out of two for me, you should say total portfolio. So Yeah. Yes. Yeah. Perfect. So you can basically see if you look at the second column to the right, it should say internal rate of return. Can you see that? Internal rate of return is, like, the second column to the right, and it says 8.37%. Can you see that? No. It's okay. Could be a little bit small. Yep. Correct. Yes. So this one here tells us that between the the April 4 and the June 3, and this is after fees as well. So after all fees, the portfolio has gone up by 8.37, which is actually really good given what has happened in the market, and that is after fees. So we're quite happy with that eight 8.37% during that time. Yep. So that is under the internal rate of return column. It should say 8.37%. Yeah. So you are looking at the in that one individual investment. Yeah. If you can scroll down to the the second page of that document for me, Can you see now total portfolio? Yes. Yes. So this just shows you the portfolio as a whole. So all of the investments, which is good. And it shows us the growth in the period and everything, which, again, is really good given that time period. That even shows us that from the the April 4, the starting balance was at 77,136. And, on the July 3, it was up through 85,474. So quite happy with that level of growth. Yeah. Now that's yeah. Perfect. Now if you scroll back up for me to where you were before and you said that 4.71, this one here, you will see that there are a couple of different lines. So you will see you see Bandalong, and then you have BankHabits. Like, it's that's basically all your individual investments. So the figure I just went through, that's, like, everything as a total to show you, but this one here breaks down each individual investment in detail. So you can even see that despite the fluctuations, most of your investments have done pretty good. Usually, with your more, like, defensive, there's obviously gonna be periods of time where some perform better than other depending on what is going on in the market. But overall, we are quite happy with these investments. Now there is one investment that I would like to look at changing for you if you are happy with that, and that is that one that you pointed out that says 4.71. And that is your Benelung Australian equity investment. Now the reason being is that with your investments, even though we are investing for the long term for your retirement, we also want to be proactive with your investment. So if there is an investment that we foresee, you know, might not be the best option moving forward, because things are always changing even last year from from when you came on board to now that there's obviously a lot of that change. So we wanna be proactive with your investment. And if there is one that we foresee not being potentially the best option moving forward or underperforming a little bit to our expectations, then we wanna look at changing it. So what the investment committee has done is they've done a lot of research on the Bennelong investment, and it is kind of underperforming a little bit through kind of our expectations. They've been a little bit slower with making investment decisions themselves. So we've tried to look for a a good alternative option. Now the Benelon Australian equity invest in Australian investments. So we wanna look for an alternative option that also focus on the Australian investment because we wanna make sure that if we take one Australian, we still give you that good diversification. We don't want, like, everything in The US or around the globe. We wanna make sure we keep it diversified. So the one that we have found is a very good option to swap it for. It's called a beta shares a 200. Basically, what it is, it invests in the 200 largest companies listed in Australia. So as a company gets bigger and grows, it gets added to the top 200. So you have all your your big banks and Woolworths and BHP and stuff, all the big kind of well known companies in Australia, so very diversified option for you. But because it kind of invests in those 200 largest, it's not gonna have the same kind of fluctuation as Venilon where they are more focused on buying and selling quickly to try to outperform the market. And we've also found that the the beta is a 200. It is a little bit cheaper because of it to kind of track that index, and it has performed a little bit better. So if that is something that you are comfortable with, we will look to change that investment if if you are okay with that, brother. Yep. Beautiful. Now what I will do just for your reference is that I will send something that's called a record of advice. Now you don't have to sign it. It is just for your record. So that will be emailed through to you probably in the next couple of days, and it will come directly from me. And that's just to say that we have done that one investment change for you. Okay? But you don't have to sign it. It's just for your reference. Now any questions so far? That kind of makes sense. Yeah. Perfect. Now what is the next document that you can see in the in the folder there? Yes. So this one here breaks down your insurance policy with. So you can see that you do have two policies. So you have your life insurance, and that is valued at so if something were to happen, it'll be paid out 3,004 sorry. 345,950. That's exactly the same as total and permanently disability cover if something were to happen. Now you can see at the top here, it says yearly premium. So currently, that is 2,791 for both of them, but you can see here that they have smoker status on it. So like I said earlier, I will get the team to send you out some documents to look at removing that, which we'll see a nice little decrease in those premiums, which will obviously see less money coming out of your superannuation and more money being invested, which will be great. Yep. Yes. Exactly. Do you have any questions or want any changes to any insurances? Are you kind of happy with that level of cover? Yep. Yes. Exactly. Nominated. Yes. Correct. Yes. We wanna make sure we get that sorted for you. Now next document, Travis, which one is that? Yes. So that one here, it basically summarizes kind of what we touched on just now. It shows you your superannuation with hub twenty four. It shows your approximate balance at that 85,474, and then it shows you your MLC insurance that's like we just touched on as well. Just kind of summarize everything to make it a bit easier. Yep. Now what is the next one? Yes. Perfect. Now you probably have seen this before. It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview. So none of the important information has changed, but we've had a bit of an extension to the team, which is great. But then also a bit of an updated marketing. So I'll let you have a read over this in your own time so I don't keep you for too long. But if you would like to scroll down to page 10, you will actually see a photo of myself, and sometimes it's nice to put a face to the voice. Yep. Perfect. And you can see me next to Dana, who I believe you spoke to last time as well. Yep. Perfect. Now if you can click on the next one for me. Yep. So that one here, if you are happy to do so, we'll ask for your signature. Now what this is is just your ongoing service agreement. That basically is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. Because Jaylene is a client as well, you guys are both on that reduced couple fee, which is great, but that is reduced for you down to 1.1%. That's exactly the same. No changes, and it's not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, by signing this, it just allows us to manage all your investments and insurances and everything else for you in the meantime. Does that make sense? Yep. Perfect. So, yeah, we'll just ask you for a little signature there if you're happy to do so. And then this oh, per year. So the the so, yeah, the total fee, it says estimated will be $904.40 per year. But that is deducted for you on a monthly basis. So it's basically divided by 12, and it comes out on a monthly basis, but it just makes it a bit more fair to you with, like, market fluctuations. So it's not like one big lump sum that comes out. It's just divided and split. It comes out monthly for you. Yep. Does that make sense? Yep. Perfect. Yeah. Sometimes it adds it automatically. Yep. Yes. Is that validate? Yep. Yes. Perfect. So this is another compliance form. And, again, it will ask for your signature at the bottom. Basically, what this is is just to say that we are keeping your tax phone number secure and safe on file. And then yep. Once you've added the signature and date yes. Perfect. So when you press validate Yeah. Sometimes it takes a little while to load, and then it will send it back to me. Yep. Now everything will be saved in your folder there for you. So if you ever go back and wanna have a look at these documents again, it is all for there there for you to access. If for some reason you can't access it, just let me know because we always have a copy on that file that I can send to you. Otherwise, following the the conversation today, I will get the team to email you the hub twenty four and your insurance beneficiary form so you can make that nomination and get that sorted. I will also let the team know in regards to that smokers rate removal. And then, also, just keep a lookout on that ROA from myself in the next couple of days just to say that we'll do that one investment switch for you. Perfect. Do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon? No? Yep. Perfect. If you do think of anything, just let us know, and we are more than happy to book you in for a catch up or send me an email as well. Yeah. No worries. Well, it was lovely speaking with you, Travis, and I hope you enjoy the rest of your afternoon. No worries. 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afternoon, Travis. This is Veronica from McQue Financial. How are you? Yeah. Good.\n\nThanks. Thanks for calling me back. No. All good. You still have time to go over your under review now?\n\nYeah. Perfect. Now before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to touch on a bit more or just a bit of an update and see where everything's at? Mhmm. I see.\n\nYep. Yep. Perfect. Now what I will go through with you first, before I kind of go through all your superannuation, is just a bit of an updated fact sign just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I go through this.\n\nNow when it comes to your personal information, I have you down here as in a de facto relationship with one financial dependent. Is that still the case? Yep. Perfect. And next up, can I have Jalene nominated?\n\nThat's still the case as well? Yep. Perfect. And when it comes to your employment, has any of that changed in the last twelve months? Yep.\n\nPerfect. And so still doing, like, the warehousing and truck driving? No. Ah, okay. Perfect.\n\nWhen did you start there? Oh, yeah. And how are you finding it so far? Oh, that's great. And working full time still?\n\nWorking full time as well? Yep. Yep. Income wise, do you know what your income is at the moment? 2,200 per fortnight after tax.\n\nAnd does that change at all, or do you do overtime or bonuses or anything, or it's pretty consistent? No. Okay. Perfect. And do they pay you that standard 12% contribution into super, or do they have a special enterprise bargain agreement or anything like that?\n\nJust the standard. Yes. Let me go in and have a look. Sometimes it shows up in a bit different as well, like the name, but let me just triple check that in your account for you. That's good.\n\nYeah. Yeah. I can see here on the June 30, they deposited $330 at Shire of Meriden. Yeah. Perfect.\n\nOh, matches. Yeah. I can see they did, yeah, fortnightly, three through nine on the June 16, and then you had 03:40. So it does vary a little bit. But around yeah.\n\n03:40, and then you had three twenty nine, 03:29. So, yes, it's been going in 03:28. So, yeah, it's been going in pretty consistently every fortnight, which is great. So that's all good. Now asset and liabilities wise, I have here a check fee of that $4,000.\n\nStill have that on perfect. And you didn't have anything up owing on that one, do you, Travis? No. Perfect. I also have here a motor vehicle right at about $9,000.\n\nYep. And a motor vehicle as well. Yep. Perfect. So I have a motor vehicle 9,000 and the motorbike at 6,000.\n\nDoes that sound about right? Yep. And then tools for about 60,000. Yeah. Yeah.\n\nNow any other assets or any, like, personal loans, credit cards, or anything else we haven't gone through? Oh, yeah. No. Okay. And do you know how much the total loan was?\n\n500. And how much was that the value of the chair as well? Or oh, wow. Perfect. But if you were to, let's say, tryna sell it, it would be worth about 11,000.\n\nAbout 4,000. Okay. Yeah. True. Okay.\n\nAnything else anything else that's new? No. That's all good. Alright. Health and lifestyle wise.\n\nAre you a smoker? Oh, beautiful. And when did you quit? Yes. So would you say over twelve months since last time you had anything?\n\nOkay. That is really good because, basically, what that means obviously, aside from that's great from health. What it means from insurances is that we can look at removing your smokers range, which will see the policy being a lot cheaper. So, basically, what the insurers do is they play something that's called a loading on an insurance policy if you are a smoker. So because they are well, there's a higher risk of of something, they increase your premium a little bit.\n\nBut when you have been when it's been more than twelve months since you had, like, a cigarette or vaping or nicotine, tablets, chewing gum, anything like that, they are happy to review getting those purchase rates off. Yeah. So what I will do after the call is I will get the team notified, and then they can send you out a little document to complete. Basically, just declaring and confirming that you have stopped smoking, and then we can send that off through MLC for your insurances and look to get those reduced, which we'll often see it reduced by quite a bit, which which is fantastic. So great job.\n\nNo worries. Otherwise, any changes to your health otherwise? No. Oh, great. Yeah.\n\nAnd estate planning wise, do you guys have a will in place at all? No. Not the will. They're kind of on the to do list. On the to do list?\n\nYep. Do you know somewhere or someone that you can speak through to get it sorted, or would you like us yeah. Okay. Perfect. Now, otherwise, you don't have anyone who makes any financial decisions on your behalf or a power of attorney in place or anything like that?\n\nNo. Great. Yes. So for your insurances and hub twenty four for your super funds, We don't currently have a valid nomination on file for that. So do you remember a valid nomination so you have made a decision of who you want to give it to if something were to happen?\n\nDo you remember receiving those documents in the post by any chance? You do? Do you no. That's all good. Yeah.\n\nOf course. Do you have access to a printer? Yeah. Okay. Perfect.\n\nWhat I'll do is I will get the team to email them through you. That way, it's in your inbox as well. If you ever lose them, have a look through them. If you have any issues or question completing them, just just let me know. But, otherwise, I will get that emailed to you just so that if something ever were to happen, we wanna make sure, obviously, we have everything in place that you will then go to whoever you wanna allocate it to.\n\nYep. Perfect. Otherwise, when it comes to, I guess, goals or stuff that you are working towards or that you are wanting to achieve, during under review is often a good time to kind of check-in to see, okay. What was the goal last time? How did we go?\n\nIs that still the plan, or has anything kind of changed? So last time yeah. When you spoke so when you spoke to my KA colleague, Dana, you had here that kind of in the medium terms in the next couple of years was through a look at buying a property, like an investment property in the city. Is that still kind of something you are working towards? Yep.\n\nOkay. Perfect. Yep. And have you started looking, or is it just kind of in a, like, a couple of years? Okay.\n\nYeah. Well, if it is that when you are ready to have a look at it or if you wanna know, you know, borrowing capacity or anything like that, just let us know because we do work closely with a couple of different brokers that can give you a bit of an assessment to be like, okay. Well, this type of property would cost roughly this much, and this is how much you can borrow and stuff, which is sometimes a good little check-in to say where you are at and how much you might need to achieve that. Yeah. Yeah.\n\nIs there anything else that you are working towards aside from the the property otherwise there, Travis? Was that your main focus? Yep. Focus on growing. And at the moment, you are not making any additional contributions.\n\nIt's just that from your employer. Right? Yeah. Yep. Perfect.\n\nWell, talking about your superannuation, what I will go through next is just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed. If we need to make any changes to your risk profile in your super, so how your money is invested. Now some of it can be a little bit tricky because it's kind of all hypothetical about how you would feel in certain situations, and there's no right or wrong answer. It's just so whatever you feel is the most appropriate for you. Does that make sense?\n\nYep. And it's all multiple choice as well, so it makes it nice and easy. But, Travis, have you ever bought direct shares yourself on the stock market? Nope. And time frames to retirement.\n\nDo you know roughly, ideally, when you think you would like to retire and start accessing your superannuation? Tomorrow? So, well, the earliest you can access super well, you can retire. You just can't get super yet. But the earliest with the current legislation if you stop working is at 60.\n\nSo I can just put down ideally 60, obviously, trying to get you to your goals by then. And if you do yeah. Okay. Perfect. Yep.\n\nPerfect. And I guess when it comes through how much risk you're willing to take for your superannuation. So would you say that you are willing to accept very high risk, high mod moderate, or a small amount of risk for your superannuation in order to make sure that continues to grow, but also that you are comfortable with the short term fluctuation. In the middle about moderate? Yep.\n\nOkay. I yes. Yes. Perfect. And when it comes to fluctuations or volatility in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.\n\nSo it's not like one particular investment that's gone bad, just the market as a whole that has seen a bit of a drop. Now would would you yeah? Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold on right to see what happens, Or would you want to shift to a more secure asset, so that means you are then selling prices have dropped? Yep. Yeah.\n\nGood answer. Yep. Okay. Yes. Perfect.\n\nYeah. Okay. Perfect. So if the if the opportunity was good good for it and there was no underlying, I guess, reason why it happened through that particular investment and it was a good investment opportunity, potentially invest a little bit more, but, obviously, depending on market trends and risk and everything like that. Yep.\n\nOkay. Perfect. Now when it comes to fluctuations again so any fluctuations to any investment. So for example, superannuation or any other investment, when they fall in value, would you say that you feel optimistic optimistic about potential future investment opportunity, a bit more kind of neutral, not making further investment, concerned, or highly anxious? No.\n\nThat's okay. So the question is in regards to any assets fluctuating. So let's say, for example, superannuation. If superannuation ever fell in value so say you looked at it one day and then the the next week or month, it was down. Would you feel positive about it because you are like, okay.\n\nWell, now there are potential investment opportunities that I can take advantage of. Would you be a bit more kind of neutral, understand, well, that is just the nature of the market that sometimes it will fluctuate depending on what's going on, that you wouldn't kind of react. You would just let it be, or you would be quite concerned or anxious about it. Yep. Yes.\n\nYep. Okay. Yeah. Okay. Fantastic.\n\nAnd the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds personally? Maybe? Yep. Okay.\n\nWell, if yeah. Yeah. I open split if it's still an option. Now that tells me here that you have come out as a high growth investor, which is the portfolio that we currently have you invested in. So they do align, which is good.\n\nDo you remember what it means to be a high growth investor at all there, Trevor? Yeah. Well, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you can access it. But at the same time that you are prepared and understand that there will be some fluctuations in the short term because of it. Now, typically speaking, when we are also then talking about an asset allocation to how your money is actually invested, we see about 90% invested in what we would call your growth assets.\n\nNow this will be things like Australian shares, international shares, up property as well, and that is what's going to kind of give you that growth for your super. But then we also have about 10% in your defensive investment. So that will be things like cash, fixed interest, gold a little bit as well. So try not to limit the fluctuations a little bit, but the main focus is to kinda grow your super as much as possible. Now when we're also then making sure you have enough time in the market for those short term fluctuations, In a high growth portfolio, typically, we would like to see about eight years or so until retirement.\n\nSo from a time frame point of view, you you have that behind you, which is great. As long as you are still kind of feeling comfortable with with that high high growth portfolio. Yep. Okay. Fantastic.\n\nAnd now last thing here is just to go through a couple of documents and show you kind of what's happened to your super and where everything is at. Do you have access to your emails at the moment? Yes. Okay. Fantastic.\n\nBut what I have done is I have just sent you an email with some documents to run through. If you can access that for me, it just makes it a little bit easier for you as I kind of run through these documents. So let me know if you can access that. Okay? Okay.\n\nPerfect. Yep. So when you press sign documents, it will allow you to open up everything and look at it before it prompts you to sign just to make sure you are happy with everything. So Yep. Now the first document, I believe, should be your super and insurance summary.\n\nCan you see that? Okay. So we'll start that way to make it easier for you. Is that the Vanguard index chart? Yes.\n\nNow this one here, it is a good visual representation of what we are talking about when we are talking about the market. Now it kind of shows have you ever seen something like this before? Yeah. Okay. Perfect.\n\nBasically, Vanguard does release one every year, which is great. So they should have a new one coming out shortly, but it just basically shows those up and down of the market throughout time. Basically tells us that over the long term, market always goes up. Short term, there will be some ups and downs and market fluctuations, and it breaks down the different asset classes. So kind of referring back to that high growth portfolio, those growth investments are your top four.\n\nSo you can see The US shares, which is, like, your light green, Australian shares, which is, like, your dark green, international shares is, like, your yellow, and then property, which is, like, your maroon color. So those are kind of the ones you can see that grow the most, but they also fluctuate. And then defensive is, like, those bottom three. Does that make sense? Yeah.\n\nOkay. Perfect. Now what is the next one that you can see? Okay. Perfect.\n\nSo this one here gives you a breakdown of your portfolio. So it shows you kind of what has happened in the last now let me have a look here for you. So this one here now I will get the team through let me check. On the date at the top, can you see what date range does it say? Can you see that?\n\nYep. Beautiful. So it does give us a pretty good breakdown of what has happened during that time, which obviously is not a a super long time, but it's still a good time to see what's happened in the market. Because, obviously, recently, which I'm sure you have heard on the news or seen on the TV, there's obviously been a bit going on in the world and the market with everything with the war that's going on. So obviously, I have seen a, yeah, a bit of fluctuation to the market.\n\nNow the good thing is that despite that, especially being in a high growth portfolio, you you would potentially see, you know, a little bit more fluctuations because of it. Because of that still, though, you can see that your portfolio over that period of time so if you scroll down to page two out of two for me, you should say total portfolio. So Yeah. Yes. Yeah.\n\nPerfect. So you can basically see if you look at the second column to the right, it should say internal rate of return. Can you see that? Internal rate of return is, like, the second column to the right, and it says 8.37%. Can you see that?\n\nNo. It's okay. Could be a little bit small. Yep. Correct.\n\nYes. So this one here tells us that between the the April 4 and the June 3, and this is after fees as well. So after all fees, the portfolio has gone up by 8.37, which is actually really good given what has happened in the market, and that is after fees. So we're quite happy with that eight 8.37% during that time. Yep.\n\nSo that is under the internal rate of return column. It should say 8.37%. Yeah. So you are looking at the in that one individual investment. Yeah.\n\nIf you can scroll down to the the second page of that document for me, Can you see now total portfolio? Yes. Yes. So this just shows you the portfolio as a whole. So all of the investments, which is good.\n\nAnd it shows us the growth in the period and everything, which, again, is really good given that time period. That even shows us that from the the April 4, the starting balance was at 77,136. And, on the July 3, it was up through 85,474. So quite happy with that level of growth. Yeah.\n\nNow that's yeah. Perfect. Now if you scroll back up for me to where you were before and you said that 4.71, this one here, you will see that there are a couple of different lines. So you will see you see Bandalong, and then you have BankHabits. Like, it's that's basically all your individual investments.\n\nSo the figure I just went through, that's, like, everything as a total to show you, but this one here breaks down each individual investment in detail. So you can even see that despite the fluctuations, most of your investments have done pretty good. Usually, with your more, like, defensive, there's obviously gonna be periods of time where some perform better than other depending on what is going on in the market. But overall, we are quite happy with these investments. Now there is one investment that I would like to look at changing for you if you are happy with that, and that is that one that you pointed out that says 4.71.\n\nAnd that is your Benelung Australian equity investment. Now the reason being is that with your investments, even though we are investing for the long term for your retirement, we also want to be proactive with your investment. So if there is an investment that we foresee, you know, might not be the best option moving forward, because things are always changing even last year from from when you came on board to now that there's obviously a lot of that change. So we wanna be proactive with your investment. And if there is one that we foresee not being potentially the best option moving forward or underperforming a little bit to our expectations, then we wanna look at changing it.\n\nSo what the investment committee has done is they've done a lot of research on the Bennelong investment, and it is kind of underperforming a little bit through kind of our expectations. They've been a little bit slower with making investment decisions themselves. So we've tried to look for a a good alternative option. Now the Benelon Australian equity invest in Australian investments. So we wanna look for an alternative option that also focus on the Australian investment because we wanna make sure that if we take one Australian, we still give you that good diversification.\n\nWe don't want, like, everything in The US or around the globe. We wanna make sure we keep it diversified. So the one that we have found is a very good option to swap it for. It's called a beta shares a 200. Basically, what it is, it invests in the 200 largest companies listed in Australia.\n\nSo as a company gets bigger and grows, it gets added to the top 200. So you have all your your big banks and Woolworths and BHP and stuff, all the big kind of well known companies in Australia, so very diversified option for you. But because it kind of invests in those 200 largest, it's not gonna have the same kind of fluctuation as Venilon where they are more focused on buying and selling quickly to try to outperform the market. And we've also found that the the beta is a 200. It is a little bit cheaper because of it to kind of track that index, and it has performed a little bit better.\n\nSo if that is something that you are comfortable with, we will look to change that investment if if you are okay with that, brother. Yep. Beautiful. Now what I will do just for your reference is that I will send something that's called a record of advice. Now you don't have to sign it.\n\nIt is just for your record. So that will be emailed through to you probably in the next couple of days, and it will come directly from me. And that's just to say that we have done that one investment change for you. Okay? But you don't have to sign it.\n\nIt's just for your reference. Now any questions so far? That kind of makes sense. Yeah. Perfect.\n\nNow what is the next document that you can see in the in the folder there? Yes. So this one here breaks down your insurance policy with. So you can see that you do have two policies. So you have your life insurance, and that is valued at so if something were to happen, it'll be paid out 3,004 sorry.\n\n345,950. That's exactly the same as total and permanently disability cover if something were to happen. Now you can see at the top here, it says yearly premium. So currently, that is 2,791 for both of them, but you can see here that they have smoker status on it. So like I said earlier, I will get the team to send you out some documents to look at removing that, which we'll see a nice little decrease in those premiums, which will obviously see less money coming out of your superannuation and more money being invested, which will be great.\n\nYep. Yes. Exactly. Do you have any questions or want any changes to any insurances? Are you kind of happy with that level of cover?\n\nYep. Yes. Exactly. Nominated. Yes.\n\nCorrect. Yes. We wanna make sure we get that sorted for you. Now next document, Travis, which one is that? Yes.\n\nSo that one here, it basically summarizes kind of what we touched on just now. It shows you your superannuation with hub twenty four. It shows your approximate balance at that 85,474, and then it shows you your MLC insurance that's like we just touched on as well. Just kind of summarize everything to make it a bit easier. Yep.\n\nNow what is the next one? Yes. Perfect. Now you probably have seen this before. It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview.\n\nSo none of the important information has changed, but we've had a bit of an extension to the team, which is great. But then also a bit of an updated marketing. So I'll let you have a read over this in your own time so I don't keep you for too long. But if you would like to scroll down to page 10, you will actually see a photo of myself, and sometimes it's nice to put a face to the voice. Yep.\n\nPerfect. And you can see me next to Dana, who I believe you spoke to last time as well. Yep. Perfect. Now if you can click on the next one for me.\n\nYep. So that one here, if you are happy to do so, we'll ask for your signature. Now what this is is just your ongoing service agreement. That basically is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure.\n\nBecause Jaylene is a client as well, you guys are both on that reduced couple fee, which is great, but that is reduced for you down to 1.1%. That's exactly the same. No changes, and it's not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, by signing this, it just allows us to manage all your investments and insurances and everything else for you in the meantime.\n\nDoes that make sense? Yep. Perfect. So, yeah, we'll just ask you for a little signature there if you're happy to do so. And then this oh, per year.\n\nSo the the so, yeah, the total fee, it says estimated will be $904.40 per year. But that is deducted for you on a monthly basis. So it's basically divided by 12, and it comes out on a monthly basis, but it just makes it a bit more fair to you with, like, market fluctuations. So it's not like one big lump sum that comes out. It's just divided and split.\n\nIt comes out monthly for you. Yep. Does that make sense? Yep. Perfect.\n\nYeah. Sometimes it adds it automatically. Yep. Yes. Is that validate?\n\nYep. Yes. Perfect. So this is another compliance form. And, again, it will ask for your signature at the bottom.\n\nBasically, what this is is just to say that we are keeping your tax phone number secure and safe on file. And then yep. Once you've added the signature and date yes. Perfect. So when you press validate Yeah.\n\nSometimes it takes a little while to load, and then it will send it back to me. Yep. Now everything will be saved in your folder there for you. So if you ever go back and wanna have a look at these documents again, it is all for there there for you to access. If for some reason you can't access it, just let me know because we always have a copy on that file that I can send to you.\n\nOtherwise, following the the conversation today, I will get the team to email you the hub twenty four and your insurance beneficiary form so you can make that nomination and get that sorted. I will also let the team know in regards to that smokers rate removal. And then, also, just keep a lookout on that ROA from myself in the next couple of days just to say that we'll do that one investment switch for you. Perfect. Do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon?\n\nNo? Yep. Perfect. If you do think of anything, just let us know, and we are more than happy to book you in for a catch up or send me an email as well. Yeah.\n\nNo worries. Well, it was lovely speaking with you, Travis, and I hope you enjoy the rest of your afternoon. No worries. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Travis.","start":1.52,"end":2.48,"sentiment":"neutral","sentiment_score":0.2943252722422282},{"text":"This is Veronica from McQue Financial.","start":2.48,"end":4.18,"sentiment":"neutral","sentiment_score":0.21139548470576605},{"text":"How are you?","start":4.3199997,"end":5.14,"sentiment":"neutral","sentiment_score":0.16708270708719888},{"text":"Yeah.","start":7.44,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.2271438241004944},{"text":"Good.","start":7.7599998,"end":8.16,"sentiment":"positive","sentiment_score":0.45504724979400635}],"sentiment":"neutral","sentiment_score":0.2381991371512413,"num_words":14,"start":1.52,"end":8.16},{"sentences":[{"text":"Thanks.","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.5481010675430298},{"text":"Thanks for calling me back.","start":8.72,"end":10.34,"sentiment":"positive","sentiment_score":0.5686390638351441},{"text":"No.","start":13.455,"end":13.935,"sentiment":"neutral","sentiment_score":-0.06966188549995422},{"text":"All good.","start":13.935,"end":14.675,"sentiment":"neutral","sentiment_score":0.1680910736322403},{"text":"You still have time to go over your under review now?","start":14.815001,"end":17.235,"sentiment":"neutral","sentiment_score":0.058687851848927414}],"sentiment":"neutral","sentiment_score":0.2151691509410739,"num_words":20,"start":8.16,"end":17.235},{"sentences":[{"text":"Yeah.","start":18.575,"end":19.055,"sentiment":"neutral","sentiment_score":0.20877760648727417},{"text":"Perfect.","start":19.055,"end":19.555,"sentiment":"positive","sentiment_score":0.33732056617736816},{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to touch on a bit more or just a bit of an update and see where everything's at?","start":21.135,"end":34.89,"sentiment":"neutral","sentiment_score":0.09015254762821964},{"text":"Mhmm.","start":40.565,"end":41.065,"sentiment":"neutral","sentiment_score":-0.001807941123843193},{"text":"I see.","start":41.364998,"end":42.105,"sentiment":"neutral","sentiment_score":0.000731036998331547}],"sentiment":"neutral","sentiment_score":0.09170975365111085,"num_words":61,"start":18.575,"end":42.105},{"sentences":[{"text":"Yep.","start":42.725,"end":43.225,"sentiment":"neutral","sentiment_score":0.05247194319963455},{"text":"Yep.","start":43.925,"end":44.425,"sentiment":"neutral","sentiment_score":0.0525139719247818},{"text":"Perfect.","start":48.9,"end":49.4,"sentiment":"neutral","sentiment_score":0.17919737100601196},{"text":"Now what I will go through with you first, before I kind of go through all your superannuation, is just a bit of an updated fact sign just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all.","start":51.54,"end":66.335,"sentiment":"neutral","sentiment_score":0.028225364831258665},{"text":"So just kind of bear with me as I go through this.","start":66.715004,"end":70.015,"sentiment":"neutral","sentiment_score":0.02806419289360444}],"sentiment":"neutral","sentiment_score":0.0311308520133881,"num_words":68,"start":42.725,"end":70.015},{"sentences":[{"text":"Now when it comes to your personal information, I have you down here as in a de facto relationship with one financial dependent.","start":71.515,"end":78.955,"sentiment":"neutral","sentiment_score":0.0167957894180132},{"text":"Is that still the case?","start":78.955,"end":80.415,"sentiment":"neutral","sentiment_score":0.008315912634134292},{"text":"Yep.","start":81.93,"end":82.25,"sentiment":"neutral","sentiment_score":0.08809473365545273},{"text":"Perfect.","start":82.25,"end":82.75,"sentiment":"neutral","sentiment_score":0.184422105550766},{"text":"And next up, can I have Jalene nominated?","start":82.89,"end":85.31,"sentiment":"neutral","sentiment_score":0.11875285394489765}],"sentiment":"neutral","sentiment_score":0.04343216817237829,"num_words":38,"start":71.515,"end":85.31},{"sentences":[{"text":"That's still the case as well?","start":85.369995,"end":86.909996,"sentiment":"neutral","sentiment_score":0.07715829089283943},{"text":"Yep.","start":88.25,"end":88.649994,"sentiment":"neutral","sentiment_score":0.046509962528944016},{"text":"Perfect.","start":88.649994,"end":89.149994,"sentiment":"neutral","sentiment_score":0.10940420627593994},{"text":"And when it comes to your employment, has any of that changed in the last twelve months?","start":89.45,"end":94.67,"sentiment":"neutral","sentiment_score":0.022374838426270905},{"text":"Yep.","start":97.885,"end":98.385,"sentiment":"neutral","sentiment_score":0.03478843718767166}],"sentiment":"neutral","sentiment_score":0.039770177099853754,"num_words":26,"start":85.369995,"end":98.385},{"sentences":[{"text":"Perfect.","start":98.525,"end":99.025,"sentiment":"neutral","sentiment_score":0.07991048693656921},{"text":"And so still doing, like, the warehousing and truck driving?","start":99.885,"end":102.785,"sentiment":"neutral","sentiment_score":0.016561277490109206},{"text":"No.","start":105.085,"end":105.585,"sentiment":"neutral","sentiment_score":-0.08903102576732635},{"text":"Ah, okay.","start":111.58,"end":112.14,"sentiment":"neutral","sentiment_score":0.02071114256978035},{"text":"Perfect.","start":112.14,"end":112.64,"sentiment":"neutral","sentiment_score":0.0641527771949768}],"sentiment":"neutral","sentiment_score":0.017471153226991495,"num_words":15,"start":98.525,"end":112.64},{"sentences":[{"text":"When did you start there?","start":113.9,"end":115.36,"sentiment":"neutral","sentiment_score":0.021130462735891344},{"text":"Oh, yeah.","start":122.795,"end":123.035,"sentiment":"neutral","sentiment_score":0.0939466767013073},{"text":"And how are you finding it so far?","start":123.035,"end":124.735,"sentiment":"neutral","sentiment_score":0.13821914978325367},{"text":"Oh, that's great.","start":125.515,"end":127.775,"sentiment":"positive","sentiment_score":0.5899801651636759},{"text":"And working full time still?","start":129.435,"end":130.89,"sentiment":"neutral","sentiment_score":0.2763727158308029}],"sentiment":"neutral","sentiment_score":0.1978740408692671,"num_words":23,"start":113.9,"end":130.89},{"sentences":[{"text":"Working full time as well?","start":133.53,"end":135.31,"sentiment":"neutral","sentiment_score":0.0606518879532814},{"text":"Yep.","start":136.09,"end":136.49,"sentiment":"neutral","sentiment_score":0.04104180634021759},{"text":"Yep.","start":136.49,"end":136.99,"sentiment":"neutral","sentiment_score":0.028197182342410088},{"text":"Income wise, do you know what your income is at the moment?","start":138.25,"end":143.39,"sentiment":"neutral","sentiment_score":0.019241156211743753},{"text":"2,200 per fortnight after tax.","start":151.605,"end":155.14499,"sentiment":"neutral","sentiment_score":0.012750818580389022}],"sentiment":"neutral","sentiment_score":0.027797766495496035,"num_words":24,"start":133.53,"end":155.14499},{"sentences":[{"text":"And does that change at all, or do you do overtime or bonuses or anything, or it's pretty consistent?","start":156.08499,"end":161.96,"sentiment":"neutral","sentiment_score":-0.0444480689536584},{"text":"No.","start":165.14,"end":165.64,"sentiment":"neutral","sentiment_score":-0.10134704411029816},{"text":"Okay.","start":166.18001,"end":166.66,"sentiment":"neutral","sentiment_score":-0.04613840579986572},{"text":"Perfect.","start":166.66,"end":167.16,"sentiment":"neutral","sentiment_score":-0.04808200150728226},{"text":"And do they pay you that standard 12% contribution into super, or do they have a special enterprise bargain agreement or anything like that?","start":167.62001,"end":177.675,"sentiment":"neutral","sentiment_score":-0.07232179492712021}],"sentiment":"neutral","sentiment_score":-0.060343561734518276,"num_words":46,"start":156.08499,"end":177.675},{"sentences":[{"text":"Just the standard.","start":179.415,"end":180.315,"sentiment":"neutral","sentiment_score":-0.02815266450246175},{"text":"Yes.","start":189.14,"end":189.64,"sentiment":"neutral","sentiment_score":0.018760818988084793},{"text":"Let me go in and have a look.","start":190.34,"end":191.86,"sentiment":"neutral","sentiment_score":0.016431042575277388},{"text":"Sometimes it shows up in a bit different as well, like the name, but let me just triple check that in your account for you.","start":191.86,"end":199.86499,"sentiment":"neutral","sentiment_score":-0.012633036635816098},{"text":"That's good.","start":205.605,"end":206.325,"sentiment":"neutral","sentiment_score":0.028695568442344666}],"sentiment":"neutral","sentiment_score":-0.004940605459687037,"num_words":39,"start":179.415,"end":206.325},{"sentences":[{"text":"Yeah.","start":206.325,"end":206.825,"sentiment":"neutral","sentiment_score":0.012103723362088203},{"text":"Yeah.","start":214.01,"end":214.25,"sentiment":"neutral","sentiment_score":0.022907152771949768},{"text":"I can see here on the June 30, they deposited $330 at Shire of Meriden.","start":214.25,"end":221.55,"sentiment":"neutral","sentiment_score":0.041911929721633594},{"text":"Yeah.","start":221.69,"end":222.045,"sentiment":"neutral","sentiment_score":0.09234844148159028},{"text":"Perfect.","start":222.125,"end":222.625,"sentiment":"neutral","sentiment_score":0.2009139209985733}],"sentiment":"neutral","sentiment_score":0.05036590444414239,"num_words":19,"start":206.325,"end":222.625},{"sentences":[{"text":"Oh, matches.","start":223.245,"end":223.985,"sentiment":"neutral","sentiment_score":0.012715538032352924},{"text":"Yeah.","start":227.245,"end":227.405,"sentiment":"neutral","sentiment_score":0.031171198934316635},{"text":"I can see they did, yeah, fortnightly, three through nine on the June 16, and then you had 03:40.","start":227.405,"end":238.59999,"sentiment":"neutral","sentiment_score":0.02908244880994684},{"text":"So it does vary a little bit.","start":238.59999,"end":241.26,"sentiment":"neutral","sentiment_score":-0.03074091805943421},{"text":"But around yeah.","start":243.56,"end":244.76,"sentiment":"neutral","sentiment_score":0.016763574133316677}],"sentiment":"neutral","sentiment_score":0.013883534324122593,"num_words":32,"start":223.245,"end":244.76},{"sentences":[{"text":"03:40, and then you had three twenty nine, 03:29.","start":244.76,"end":249.01999,"sentiment":"neutral","sentiment_score":0.016186181145409744},{"text":"So, yes, it's been going in 03:28.","start":250.175,"end":253.055,"sentiment":"neutral","sentiment_score":0.08848469810826438},{"text":"So, yeah, it's been going in pretty consistently every fortnight, which is great.","start":253.055,"end":256.755,"sentiment":"positive","sentiment_score":0.519857468513342},{"text":"So that's all good.","start":257.615,"end":258.915,"sentiment":"positive","sentiment_score":0.5870423913002014},{"text":"Now asset and liabilities wise, I have here a check fee of that $4,000.","start":259.855,"end":266.4,"sentiment":"neutral","sentiment_score":0.11567646477903638}],"sentiment":"neutral","sentiment_score":0.24448629106058084,"num_words":47,"start":244.76,"end":266.4},{"sentences":[{"text":"Still have that on perfect.","start":268.38,"end":269.66,"sentiment":"positive","sentiment_score":0.4248420476913452},{"text":"And you didn't have anything up owing on that one, do you, Travis?","start":269.66,"end":272.96,"sentiment":"neutral","sentiment_score":0.013152227665369328},{"text":"No.","start":274.06,"end":274.56,"sentiment":"neutral","sentiment_score":-0.015396183356642725},{"text":"Perfect.","start":274.78,"end":275.28,"sentiment":"neutral","sentiment_score":0.2591584622859955},{"text":"I also have here a motor vehicle right at about $9,000.","start":275.41998,"end":280.445,"sentiment":"neutral","sentiment_score":0.07914021408016031}],"sentiment":"neutral","sentiment_score":0.10998367199734334,"num_words":31,"start":268.38,"end":280.445},{"sentences":[{"text":"Yep.","start":282.025,"end":282.525,"sentiment":"neutral","sentiment_score":0.048766832798719406},{"text":"And a motor vehicle as well.","start":284.26498,"end":286.445,"sentiment":"neutral","sentiment_score":0.05702520223955313},{"text":"Yep.","start":290.10498,"end":290.505,"sentiment":"neutral","sentiment_score":0.13193435966968536},{"text":"Perfect.","start":290.505,"end":291.005,"sentiment":"neutral","sentiment_score":0.33290284872055054},{"text":"So I have a motor vehicle 9,000 and the motorbike at 6,000.","start":291.145,"end":295.49,"sentiment":"neutral","sentiment_score":0.10465826218326886}],"sentiment":"neutral","sentiment_score":0.10055497146788098,"num_words":21,"start":282.025,"end":295.49},{"sentences":[{"text":"Does that sound about right?","start":295.95,"end":297.17,"sentiment":"neutral","sentiment_score":0.06303138434886932},{"text":"Yep.","start":297.55,"end":298.05,"sentiment":"neutral","sentiment_score":0.04441119730472565},{"text":"And then tools for about 60,000.","start":299.15,"end":302.45,"sentiment":"neutral","sentiment_score":0.03770555897305409},{"text":"Yeah.","start":304.27,"end":304.77,"sentiment":"neutral","sentiment_score":0.03369583562016487},{"text":"Yeah.","start":305.79,"end":306.29,"sentiment":"neutral","sentiment_score":0.031749751418828964}],"sentiment":"neutral","sentiment_score":0.04651764713759933,"num_words":14,"start":295.95,"end":306.29},{"sentences":[{"text":"Now any other assets or any, like, personal loans, credit cards, or anything else we haven't gone through?","start":306.67,"end":313.29498,"sentiment":"neutral","sentiment_score":0.007369505086292823},{"text":"Oh, yeah.","start":319.595,"end":320.07498,"sentiment":"neutral","sentiment_score":-0.003959991503506899},{"text":"No.","start":320.07498,"end":320.57498,"sentiment":"neutral","sentiment_score":-0.06058339029550552},{"text":"Okay.","start":327.37003,"end":327.69,"sentiment":"neutral","sentiment_score":0.010876971296966076},{"text":"And do you know how much the total loan was?","start":327.69,"end":329.87,"sentiment":"neutral","sentiment_score":-0.003886184189468622}],"sentiment":"neutral","sentiment_score":0.0011300889891572297,"num_words":32,"start":306.67,"end":329.87},{"sentences":[{"text":"500.","start":333.865,"end":334.665,"sentiment":"neutral","sentiment_score":0.0025548208504915237},{"text":"And how much was that the value of the chair as well?","start":334.665,"end":337.705,"sentiment":"neutral","sentiment_score":-0.016656283910075825},{"text":"Or oh, wow.","start":337.705,"end":345.405,"sentiment":"neutral","sentiment_score":0.08319519460201263},{"text":"Perfect.","start":345.66,"end":346.16,"sentiment":"neutral","sentiment_score":0.01911797933280468},{"text":"But if you were to, let's say, tryna sell it, it would be worth about 11,000.","start":346.30002,"end":350.80002,"sentiment":"neutral","sentiment_score":-0.030977235408499837}],"sentiment":"neutral","sentiment_score":-0.012856145135381004,"num_words":33,"start":333.865,"end":350.80002},{"sentences":[{"text":"About 4,000.","start":354.38,"end":355.34003,"sentiment":"neutral","sentiment_score":-0.034603144973516464},{"text":"Okay.","start":355.34003,"end":355.84003,"sentiment":"neutral","sentiment_score":0.015005461871623991},{"text":"Yeah.","start":356.30002,"end":356.7,"sentiment":"neutral","sentiment_score":0.029513051733374596},{"text":"True.","start":356.7,"end":357.2,"sentiment":"neutral","sentiment_score":0.04635541886091232},{"text":"Okay.","start":357.995,"end":358.475,"sentiment":"neutral","sentiment_score":0.045025669038295746}],"sentiment":"neutral","sentiment_score":0.011115551926195621,"num_words":6,"start":354.38,"end":358.475},{"sentences":[{"text":"Anything else anything else that's new?","start":358.475,"end":360.815,"sentiment":"neutral","sentiment_score":0.04900783238311609},{"text":"No.","start":362.79498,"end":363.115,"sentiment":"neutral","sentiment_score":0.004498869180679321},{"text":"That's all good.","start":363.115,"end":364.175,"sentiment":"neutral","sentiment_score":0.274787113070488},{"text":"Alright.","start":364.315,"end":364.815,"sentiment":"neutral","sentiment_score":0.24101755023002625},{"text":"Health and lifestyle wise.","start":364.955,"end":366.415,"sentiment":"neutral","sentiment_score":0.24947628378868103}],"sentiment":"neutral","sentiment_score":0.15745532587170602,"num_words":15,"start":358.475,"end":366.415},{"sentences":[{"text":"Are you a smoker?","start":368.235,"end":369.775,"sentiment":"neutral","sentiment_score":-0.004365122644230723},{"text":"Oh, beautiful.","start":373.00998,"end":373.66998,"sentiment":"neutral","sentiment_score":0.16382084786891937},{"text":"And when did you quit?","start":373.72998,"end":375.90997,"sentiment":"neutral","sentiment_score":0.05438757315278053},{"text":"Yes.","start":378.93,"end":379.25,"sentiment":"neutral","sentiment_score":0.01970808207988739},{"text":"So would you say over twelve months since last time you had anything?","start":379.25,"end":383.59,"sentiment":"neutral","sentiment_score":0.007923659367056994}],"sentiment":"neutral","sentiment_score":0.028193388991057874,"num_words":25,"start":368.235,"end":383.59},{"sentences":[{"text":"Okay.","start":383.88998,"end":384.38998,"sentiment":"neutral","sentiment_score":0.0611000619828701},{"text":"That is really good because, basically, what that means obviously, aside from that's great from health.","start":385.80502,"end":392.545,"sentiment":"positive","sentiment_score":0.34104650281369686},{"text":"What it means from insurances is that we can look at removing your smokers range, which will see the policy being a lot cheaper.","start":393.165,"end":403.53,"sentiment":"neutral","sentiment_score":0.15845555905252695},{"text":"So, basically, what the insurers do is they play something that's called a loading on an insurance policy if you are a smoker.","start":404.15,"end":412.09,"sentiment":"neutral","sentiment_score":0.048922259846459266},{"text":"So because they are well, there's a higher risk of of something, they increase your premium a little bit.","start":412.63,"end":418.92502,"sentiment":"neutral","sentiment_score":-0.0395886251016667}],"sentiment":"neutral","sentiment_score":0.11679283884095859,"num_words":83,"start":383.88998,"end":418.92502},{"sentences":[{"text":"But when you have been when it's been more than twelve months since you had, like, a cigarette or vaping or nicotine, tablets, chewing gum, anything like that, they are happy to review getting those purchase rates off.","start":420.185,"end":439.04,"sentiment":"neutral","sentiment_score":0.07202121801674366},{"text":"Yeah.","start":441.74,"end":442.06,"sentiment":"neutral","sentiment_score":0.1686338484287262},{"text":"So what I will do after the call is I will get the team notified, and then they can send you out a little document to complete.","start":442.06,"end":451.73502,"sentiment":"neutral","sentiment_score":0.1914372946377154},{"text":"Basically, just declaring and confirming that you have stopped smoking, and then we can send that off through MLC for your insurances and look to get those reduced, which we'll often see it reduced by quite a bit, which which is fantastic.","start":452.035,"end":466.94998,"sentiment":"neutral","sentiment_score":0.2559169933554672},{"text":"So great job.","start":467.33,"end":468.22998,"sentiment":"positive","sentiment_score":0.6433080037434896}],"sentiment":"neutral","sentiment_score":0.18696112450849903,"num_words":111,"start":420.185,"end":468.22998},{"sentences":[{"text":"No worries.","start":470.13,"end":470.87,"sentiment":"neutral","sentiment_score":0.11076579242944717},{"text":"Otherwise, any changes to your health otherwise?","start":471.09,"end":473.99,"sentiment":"neutral","sentiment_score":0.01825145711856229},{"text":"No.","start":475.875,"end":476.375,"sentiment":"neutral","sentiment_score":-0.04505166411399841},{"text":"Oh, great.","start":476.835,"end":477.655,"sentiment":"neutral","sentiment_score":0.1519342139363289},{"text":"Yeah.","start":478.435,"end":478.935,"sentiment":"neutral","sentiment_score":0.061509519815444946}],"sentiment":"neutral","sentiment_score":0.0515090821740719,"num_words":13,"start":470.13,"end":478.935},{"sentences":[{"text":"And estate planning wise, do you guys have a will in place at all?","start":479.79498,"end":484.85498,"sentiment":"neutral","sentiment_score":0.023177610045032843},{"text":"No.","start":487.09,"end":487.57,"sentiment":"neutral","sentiment_score":-0.2149799019098282},{"text":"Not the will.","start":487.57,"end":488.39,"sentiment":"neutral","sentiment_score":-0.22782805562019348},{"text":"They're kind of on the to do list.","start":488.69,"end":490.31,"sentiment":"neutral","sentiment_score":-0.20188017934560776},{"text":"On the to do list?","start":493.25,"end":494.55,"sentiment":"neutral","sentiment_score":-0.05902902334928513}],"sentiment":"neutral","sentiment_score":-0.08013432515003989,"num_words":31,"start":479.79498,"end":494.55},{"sentences":[{"text":"Yep.","start":496.61002,"end":497.11002,"sentiment":"neutral","sentiment_score":0.041603147983551025},{"text":"Do you know somewhere or someone that you can speak through to get it sorted, or would you like us yeah.","start":498.37,"end":506.065,"sentiment":"neutral","sentiment_score":0.015993995325905935},{"text":"Okay.","start":506.065,"end":506.565,"sentiment":"neutral","sentiment_score":0.1516786962747574},{"text":"Perfect.","start":506.705,"end":507.205,"sentiment":"positive","sentiment_score":0.3875425159931183},{"text":"Now, otherwise, you don't have anyone who makes any financial decisions on your behalf or a power of attorney in place or anything like that?","start":510.305,"end":517.6,"sentiment":"neutral","sentiment_score":-0.04492858693003655}],"sentiment":"neutral","sentiment_score":-0.004214620635825761,"num_words":49,"start":496.61002,"end":517.6},{"sentences":[{"text":"No.","start":519.1,"end":519.6,"sentiment":"neutral","sentiment_score":-0.1990864872932434},{"text":"Great.","start":519.66,"end":520.16,"sentiment":"neutral","sentiment_score":-0.14301717281341553},{"text":"Yes.","start":522.54,"end":523.04,"sentiment":"neutral","sentiment_score":-0.06139330565929413},{"text":"So for your insurances and hub twenty four for your super funds, We don't currently have a valid nomination on file for that.","start":523.18,"end":533.655,"sentiment":"neutral","sentiment_score":-0.09051192219814529},{"text":"So do you remember a valid nomination so you have made a decision of who you want to give it to if something were to happen?","start":534.11505,"end":544.135,"sentiment":"neutral","sentiment_score":-0.027571430788017236}],"sentiment":"neutral","sentiment_score":-0.06157939186176428,"num_words":52,"start":519.1,"end":544.135},{"sentences":[{"text":"Do you remember receiving those documents in the post by any chance?","start":545.86,"end":550.52,"sentiment":"neutral","sentiment_score":0.005240375408902764},{"text":"You do?","start":550.66,"end":551.32,"sentiment":"neutral","sentiment_score":0.014851770363748074},{"text":"Do you no.","start":551.46,"end":552.74,"sentiment":"neutral","sentiment_score":-0.05239413306117058},{"text":"That's all good.","start":552.74,"end":553.8,"sentiment":"neutral","sentiment_score":0.05932994559407234},{"text":"Yeah.","start":555.14,"end":555.46,"sentiment":"neutral","sentiment_score":0.0363411009311676}],"sentiment":"neutral","sentiment_score":0.007130313531628677,"num_words":21,"start":545.86,"end":555.46},{"sentences":[{"text":"Of course.","start":555.46,"end":556.12,"sentiment":"neutral","sentiment_score":0.03949253633618355},{"text":"Do you have access to a printer?","start":556.26,"end":557.64,"sentiment":"neutral","sentiment_score":0.026001181453466415},{"text":"Yeah.","start":559.195,"end":559.515,"sentiment":"neutral","sentiment_score":0.10742389410734177},{"text":"Okay.","start":559.515,"end":559.835,"sentiment":"neutral","sentiment_score":0.21495305001735687},{"text":"Perfect.","start":559.835,"end":560.335,"sentiment":"positive","sentiment_score":0.3820514678955078}],"sentiment":"neutral","sentiment_score":0.08045181290556987,"num_words":12,"start":555.46,"end":560.335},{"sentences":[{"text":"What I'll do is I will get the team to email them through you.","start":560.555,"end":562.955,"sentiment":"neutral","sentiment_score":0.22843616136482783},{"text":"That way, it's in your inbox as well.","start":562.955,"end":564.875,"sentiment":"neutral","sentiment_score":0.22541380487382412},{"text":"If you ever lose them, have a look through them.","start":564.875,"end":568.395,"sentiment":"neutral","sentiment_score":0.12035628631711007},{"text":"If you have any issues or question completing them, just just let me know.","start":568.395,"end":572.37,"sentiment":"neutral","sentiment_score":0.10158696132046836},{"text":"But, otherwise, I will get that emailed to you just so that if something ever were to happen, we wanna make sure, obviously, we have everything in place that you will then go to whoever you wanna allocate it to.","start":572.93,"end":584.07,"sentiment":"neutral","sentiment_score":0.1158861662261188}],"sentiment":"neutral","sentiment_score":0.14258887986977434,"num_words":86,"start":560.555,"end":584.07},{"sentences":[{"text":"Yep.","start":586.51495,"end":587.01495,"sentiment":"neutral","sentiment_score":0.31648027896881104},{"text":"Perfect.","start":587.07495,"end":587.57495,"sentiment":"positive","sentiment_score":0.3702678978443146},{"text":"Otherwise, when it comes to, I guess, goals or stuff that you are working towards or that you are wanting to achieve, during under review is often a good time to kind of check-in to see, okay.","start":587.795,"end":598.47,"sentiment":"neutral","sentiment_score":0.18375156638590065},{"text":"What was the goal last time?","start":598.47,"end":600.07,"sentiment":"neutral","sentiment_score":0.05837025617559751},{"text":"How did we go?","start":600.07,"end":600.95,"sentiment":"neutral","sentiment_score":0.04565707081928849}],"sentiment":"neutral","sentiment_score":0.16364093782494263,"num_words":49,"start":586.51495,"end":600.95},{"sentences":[{"text":"Is that still the plan, or has anything kind of changed?","start":600.95,"end":604.49,"sentiment":"neutral","sentiment_score":-0.02783629128878767},{"text":"So last time yeah.","start":605.11,"end":608.17,"sentiment":"neutral","sentiment_score":-0.12290345877408981},{"text":"When you spoke so when you spoke to my KA colleague, Dana, you had here that kind of in the medium terms in the next couple of years was through a look at buying a property, like an investment property in the city.","start":608.87,"end":622.685,"sentiment":"neutral","sentiment_score":0.04379631604912669},{"text":"Is that still kind of something you are working towards?","start":622.985,"end":626.125,"sentiment":"neutral","sentiment_score":0.07675041556358338},{"text":"Yep.","start":627.33997,"end":627.83997,"sentiment":"neutral","sentiment_score":0.1704370081424713}],"sentiment":"neutral","sentiment_score":0.029324198762575786,"num_words":69,"start":600.95,"end":627.83997},{"sentences":[{"text":"Okay.","start":627.89996,"end":628.3,"sentiment":"neutral","sentiment_score":0.3157910406589508},{"text":"Perfect.","start":628.3,"end":628.8,"sentiment":"positive","sentiment_score":0.5804489254951477},{"text":"Yep.","start":630.45996,"end":630.95996,"sentiment":"neutral","sentiment_score":0.1721276491880417},{"text":"And have you started looking, or is it just kind of in a, like, a couple of years?","start":631.1,"end":635.36,"sentiment":"neutral","sentiment_score":0.07955081719491217},{"text":"Okay.","start":638.795,"end":639.295,"sentiment":"neutral","sentiment_score":0.07562333345413208}],"sentiment":"neutral","sentiment_score":0.11708662083203142,"num_words":22,"start":627.89996,"end":639.295},{"sentences":[{"text":"Yeah.","start":640.15497,"end":640.65497,"sentiment":"neutral","sentiment_score":0.09366624057292938},{"text":"Well, if it is that when you are ready to have a look at it or if you wanna know, you know, borrowing capacity or anything like that, just let us know because we do work closely with a couple of different brokers that can give you a bit of an assessment to be like, okay.","start":640.875,"end":656.35,"sentiment":"neutral","sentiment_score":0.07901319595319885},{"text":"Well, this type of property would cost roughly this much, and this is how much you can borrow and stuff, which is sometimes a good little check-in to say where you are at and how much you might need to achieve that.","start":656.35,"end":668.21,"sentiment":"neutral","sentiment_score":0.07290765643119812},{"text":"Yeah.","start":669.405,"end":669.905,"sentiment":"neutral","sentiment_score":0.06028325483202934},{"text":"Yeah.","start":671.405,"end":671.905,"sentiment":"neutral","sentiment_score":0.11650707572698592}],"sentiment":"neutral","sentiment_score":0.07680511994674655,"num_words":101,"start":640.15497,"end":671.905},{"sentences":[{"text":"Is there anything else that you are working towards aside from the the property otherwise there, Travis?","start":672.045,"end":678.705,"sentiment":"neutral","sentiment_score":0.09308601170778275},{"text":"Was that your main focus?","start":679.645,"end":680.945,"sentiment":"neutral","sentiment_score":0.03848234713077545},{"text":"Yep.","start":683.77,"end":684.25,"sentiment":"neutral","sentiment_score":0.153615802526474},{"text":"Focus on growing.","start":684.25,"end":685.39,"sentiment":"neutral","sentiment_score":0.20348346730073294},{"text":"And at the moment, you are not making any additional contributions.","start":689.05005,"end":692.03,"sentiment":"neutral","sentiment_score":-0.05384453758597374}],"sentiment":"neutral","sentiment_score":0.05261216826132826,"num_words":37,"start":672.045,"end":692.03},{"sentences":[{"text":"It's just that from your employer.","start":692.17004,"end":693.61005,"sentiment":"neutral","sentiment_score":-0.03984566840032736},{"text":"Right?","start":693.61005,"end":694.11005,"sentiment":"neutral","sentiment_score":-0.016655046492815018},{"text":"Yeah.","start":695.805,"end":696.305,"sentiment":"neutral","sentiment_score":-0.029908623546361923},{"text":"Yep.","start":697.165,"end":697.645,"sentiment":"neutral","sentiment_score":0.1379125714302063},{"text":"Perfect.","start":697.645,"end":698.145,"sentiment":"positive","sentiment_score":0.358059287071228}],"sentiment":"neutral","sentiment_score":0.02103341780602932,"num_words":10,"start":692.17004,"end":698.145},{"sentences":[{"text":"Well, talking about your superannuation, what I will go through next is just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed.","start":699.565,"end":709.90497,"sentiment":"neutral","sentiment_score":0.05743180949128035},{"text":"If we need to make any changes to your risk profile in your super, so how your money is invested.","start":710.45996,"end":716.16,"sentiment":"neutral","sentiment_score":0.049521074071526526},{"text":"Now some of it can be a little bit tricky because it's kind of all hypothetical about how you would feel in certain situations, and there's no right or wrong answer.","start":716.54,"end":725.805,"sentiment":"neutral","sentiment_score":-0.11887670813068267},{"text":"It's just so whatever you feel is the most appropriate for you.","start":725.805,"end":729.245,"sentiment":"neutral","sentiment_score":0.1751955666889747},{"text":"Does that make sense?","start":729.245,"end":730.305,"sentiment":"neutral","sentiment_score":0.13651780784130096}],"sentiment":"neutral","sentiment_score":0.018489112742245198,"num_words":100,"start":699.565,"end":730.305},{"sentences":[{"text":"Yep.","start":731.245,"end":731.745,"sentiment":"positive","sentiment_score":0.37269890308380127},{"text":"And it's all multiple choice as well, so it makes it nice and easy.","start":732.125,"end":735.745,"sentiment":"positive","sentiment_score":0.6250688305922917},{"text":"But, Travis, have you ever bought direct shares yourself on the stock market?","start":737.16003,"end":742.38,"sentiment":"neutral","sentiment_score":0.03541013111288731},{"text":"Nope.","start":744.36,"end":744.86,"sentiment":"neutral","sentiment_score":-0.10882383584976196},{"text":"And time frames to retirement.","start":746.12,"end":749.26,"sentiment":"neutral","sentiment_score":-0.04387385845184326}],"sentiment":"neutral","sentiment_score":0.27222944434513063,"num_words":34,"start":731.245,"end":749.26},{"sentences":[{"text":"Do you know roughly, ideally, when you think you would like to retire and start accessing your superannuation?","start":750.065,"end":758.08496,"sentiment":"neutral","sentiment_score":0.016245139348838065},{"text":"Tomorrow?","start":760.545,"end":761.045,"sentiment":"neutral","sentiment_score":-0.00009127147495746613},{"text":"So, well, the earliest you can access super well, you can retire.","start":762.305,"end":768.21,"sentiment":"neutral","sentiment_score":0.08865811070427299},{"text":"You just can't get super yet.","start":768.27,"end":770.05,"sentiment":"neutral","sentiment_score":-0.05288583661119143},{"text":"But the earliest with the current legislation if you stop working is at 60.","start":771.63,"end":777.09,"sentiment":"neutral","sentiment_score":-0.08301947638392448}],"sentiment":"neutral","sentiment_score":-0.0024190024271899574,"num_words":51,"start":750.065,"end":777.09},{"sentences":[{"text":"So I can just put down ideally 60, obviously, trying to get you to your goals by then.","start":777.40497,"end":782.225,"sentiment":"neutral","sentiment_score":0.10289789503440261},{"text":"And if you do yeah.","start":782.285,"end":783.82495,"sentiment":"neutral","sentiment_score":0.010447710379958152},{"text":"Okay.","start":784.52496,"end":784.925,"sentiment":"neutral","sentiment_score":0.17030155658721924},{"text":"Perfect.","start":784.925,"end":785.425,"sentiment":"positive","sentiment_score":0.5686987638473511},{"text":"Yep.","start":785.96497,"end":786.46497,"sentiment":"positive","sentiment_score":0.3776058554649353}],"sentiment":"neutral","sentiment_score":0.11619257070840551,"num_words":26,"start":777.40497,"end":786.46497},{"sentences":[{"text":"Perfect.","start":787.485,"end":787.985,"sentiment":"positive","sentiment_score":0.4977939128875733},{"text":"And I guess when it comes through how much risk you're willing to take for your superannuation.","start":788.685,"end":794.52,"sentiment":"neutral","sentiment_score":0.09694735530544729},{"text":"So would you say that you are willing to accept very high risk, high mod moderate, or a small amount of risk for your superannuation in order to make sure that continues to grow, but also that you are comfortable with the short term fluctuation.","start":794.74,"end":815.325,"sentiment":"neutral","sentiment_score":0.0982898691462146},{"text":"In the middle about moderate?","start":819.56,"end":820.86,"sentiment":"neutral","sentiment_score":0.00911664441227913},{"text":"Yep.","start":822.68,"end":823.18,"sentiment":"neutral","sentiment_score":0.12498711049556732}],"sentiment":"neutral","sentiment_score":0.09767410720604053,"num_words":69,"start":787.485,"end":823.18},{"sentences":[{"text":"Okay.","start":823.24,"end":823.74,"sentiment":"neutral","sentiment_score":0.11805183440446854},{"text":"I yes.","start":824.19995,"end":828.51996,"sentiment":"neutral","sentiment_score":0.02214202657341957},{"text":"Yes.","start":828.51996,"end":828.92,"sentiment":"neutral","sentiment_score":0.2096078395843506},{"text":"Perfect.","start":828.92,"end":829.42,"sentiment":"positive","sentiment_score":0.398377925157547},{"text":"And when it comes to fluctuations or volatility in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":830.92,"end":850.66003,"sentiment":"neutral","sentiment_score":-0.20424246493467066}],"sentiment":"neutral","sentiment_score":-0.166918840414534,"num_words":48,"start":823.24,"end":850.66003},{"sentences":[{"text":"So it's not like one particular investment that's gone bad, just the market as a whole that has seen a bit of a drop.","start":850.66003,"end":857.48004,"sentiment":"neutral","sentiment_score":-0.31894657885034877},{"text":"Now would would you yeah?","start":858.26,"end":860.84,"sentiment":"neutral","sentiment_score":-0.028394118696451188},{"text":"Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold on right to see what happens, Or would you want to shift to a more secure asset, so that means you are then selling prices have dropped?","start":862.745,"end":882.05,"sentiment":"neutral","sentiment_score":0.06921999409461199},{"text":"Yep.","start":887.005,"end":887.505,"sentiment":"neutral","sentiment_score":0.02585603855550289},{"text":"Yeah.","start":888.445,"end":888.925,"sentiment":"neutral","sentiment_score":0.0613994337618351}],"sentiment":"neutral","sentiment_score":-0.03134381029830904,"num_words":98,"start":850.66003,"end":888.925},{"sentences":[{"text":"Good answer.","start":888.925,"end":889.665,"sentiment":"neutral","sentiment_score":0.12520956993103027},{"text":"Yep.","start":893.325,"end":893.825,"sentiment":"neutral","sentiment_score":0.02985740825533867},{"text":"Okay.","start":894.125,"end":894.625,"sentiment":"neutral","sentiment_score":-0.007547114044427872},{"text":"Yes.","start":895.885,"end":896.365,"sentiment":"neutral","sentiment_score":0.08102378249168396},{"text":"Perfect.","start":896.365,"end":896.865,"sentiment":"neutral","sentiment_score":0.2762170433998108}],"sentiment":"neutral","sentiment_score":0.10499504332741101,"num_words":6,"start":888.925,"end":896.865},{"sentences":[{"text":"Yeah.","start":897.325,"end":897.645,"sentiment":"neutral","sentiment_score":0.13059456646442413},{"text":"Okay.","start":897.645,"end":897.96497,"sentiment":"neutral","sentiment_score":0.10001686215400696},{"text":"Perfect.","start":897.96497,"end":898.46497,"sentiment":"positive","sentiment_score":0.5134970545768738},{"text":"So if the if the opportunity was good good for it and there was no underlying, I guess, reason why it happened through that particular investment and it was a good investment opportunity, potentially invest a little bit more, but, obviously, depending on market trends and risk and everything like that.","start":899.0,"end":916.515,"sentiment":"neutral","sentiment_score":0.32296248759124796},{"text":"Yep.","start":917.53503,"end":918.015,"sentiment":"neutral","sentiment_score":0.13479363918304443}],"sentiment":"neutral","sentiment_score":0.31545434526421806,"num_words":55,"start":897.325,"end":918.015},{"sentences":[{"text":"Okay.","start":918.015,"end":918.41504,"sentiment":"neutral","sentiment_score":0.28274300694465637},{"text":"Perfect.","start":918.41504,"end":918.91504,"sentiment":"positive","sentiment_score":0.46133291721343994},{"text":"Now when it comes to fluctuations again so any fluctuations to any investment.","start":921.375,"end":928.81,"sentiment":"neutral","sentiment_score":0.09676056326581882},{"text":"So for example, superannuation or any other investment, when they fall in value, would you say that you feel optimistic optimistic about potential future investment opportunity, a bit more kind of neutral, not making further investment, concerned, or highly anxious?","start":928.87,"end":950.795,"sentiment":"neutral","sentiment_score":0.10502328053116798},{"text":"No.","start":956.57,"end":956.97003,"sentiment":"neutral","sentiment_score":-0.1276078224182129}],"sentiment":"neutral","sentiment_score":0.10848726152575441,"num_words":56,"start":918.015,"end":956.97003},{"sentences":[{"text":"That's okay.","start":956.97003,"end":957.79004,"sentiment":"neutral","sentiment_score":-0.07274681702256203},{"text":"So the question is in regards to any assets fluctuating.","start":958.49005,"end":963.87,"sentiment":"neutral","sentiment_score":-0.06432817466557025},{"text":"So let's say, for example, superannuation.","start":963.93,"end":965.63,"sentiment":"neutral","sentiment_score":-0.056438074757655464},{"text":"If superannuation ever fell in value so say you looked at it one day and then the the next week or month, it was down.","start":966.425,"end":974.285,"sentiment":"neutral","sentiment_score":-0.12804496586322783},{"text":"Would you feel positive about it because you are like, okay.","start":975.305,"end":979.94495,"sentiment":"positive","sentiment_score":0.3370507752353495}],"sentiment":"neutral","sentiment_score":-0.011499434226640948,"num_words":54,"start":956.97003,"end":979.94495},{"sentences":[{"text":"Well, now there are potential investment opportunities that I can take advantage of.","start":979.94495,"end":983.87,"sentiment":"positive","sentiment_score":0.36608214103258574},{"text":"Would you be a bit more kind of neutral, understand, well, that is just the nature of the market that sometimes it will fluctuate depending on what's going on, that you wouldn't kind of react.","start":984.25,"end":994.25,"sentiment":"neutral","sentiment_score":0.05914459138044289},{"text":"You would just let it be, or you would be quite concerned or anxious about it.","start":994.25,"end":1000.045,"sentiment":"neutral","sentiment_score":-0.1490425430238247},{"text":"Yep.","start":1003.70496,"end":1004.20496,"sentiment":"neutral","sentiment_score":0.03662759065628052},{"text":"Yes.","start":1005.225,"end":1005.725,"sentiment":"neutral","sentiment_score":0.14963586628437042}],"sentiment":"neutral","sentiment_score":0.07016229242876623,"num_words":66,"start":979.94495,"end":1005.725},{"sentences":[{"text":"Yep.","start":1007.545,"end":1007.945,"sentiment":"neutral","sentiment_score":0.017697179690003395},{"text":"Okay.","start":1007.945,"end":1008.445,"sentiment":"neutral","sentiment_score":-0.13826128840446472},{"text":"Yeah.","start":1009.37,"end":1009.61,"sentiment":"neutral","sentiment_score":0.005817912518978119},{"text":"Okay.","start":1009.61,"end":1009.93,"sentiment":"positive","sentiment_score":0.3428129553794861},{"text":"Fantastic.","start":1009.93,"end":1010.43,"sentiment":"positive","sentiment_score":0.6514425277709961}],"sentiment":"neutral","sentiment_score":0.17590185739099978,"num_words":5,"start":1007.545,"end":1010.43},{"sentences":[{"text":"And the last question here is in regards to borrowing money.","start":1011.13,"end":1014.19,"sentiment":"neutral","sentiment_score":0.18540505929426712},{"text":"So would you ever consider taking out a loan to invest in stocks or funds personally?","start":1014.41003,"end":1021.15,"sentiment":"neutral","sentiment_score":0.1149876331910491},{"text":"Maybe?","start":1024.835,"end":1025.235,"sentiment":"neutral","sentiment_score":0.06833836436271667},{"text":"Yep.","start":1025.235,"end":1025.635,"sentiment":"neutral","sentiment_score":0.09148263931274414},{"text":"Okay.","start":1025.635,"end":1026.135,"sentiment":"neutral","sentiment_score":0.07105134427547455}],"sentiment":"neutral","sentiment_score":0.13700433770815532,"num_words":30,"start":1011.13,"end":1026.135},{"sentences":[{"text":"Well, if yeah.","start":1029.235,"end":1031.475,"sentiment":"neutral","sentiment_score":0.035048384219408035},{"text":"Yeah.","start":1031.475,"end":1031.975,"sentiment":"neutral","sentiment_score":0.10482463240623474},{"text":"I open split if it's still an option.","start":1032.435,"end":1034.615,"sentiment":"neutral","sentiment_score":0.1364554325118661},{"text":"Now that tells me here that you have come out as a high growth investor, which is the portfolio that we currently have you invested in.","start":1037.2101,"end":1046.81,"sentiment":"neutral","sentiment_score":0.21691946857250655},{"text":"So they do align, which is good.","start":1046.81,"end":1048.545,"sentiment":"positive","sentiment_score":0.44002256223133634}],"sentiment":"neutral","sentiment_score":0.2227039414147536,"num_words":45,"start":1029.235,"end":1048.545},{"sentences":[{"text":"Do you remember what it means to be a high growth investor at all there, Trevor?","start":1049.1051,"end":1054.405,"sentiment":"neutral","sentiment_score":0.09114602697081864},{"text":"Yeah.","start":1057.8251,"end":1058.3251,"sentiment":"neutral","sentiment_score":0.0487738661468029},{"text":"Well, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you can access it.","start":1058.545,"end":1068.99,"sentiment":"neutral","sentiment_score":0.09622532797648627},{"text":"But at the same time that you are prepared and understand that there will be some fluctuations in the short term because of it.","start":1069.37,"end":1079.605,"sentiment":"neutral","sentiment_score":-0.030789444067825873},{"text":"Now, typically speaking, when we are also then talking about an asset allocation to how your money is actually invested, we see about 90% invested in what we would call your growth assets.","start":1080.065,"end":1094.86,"sentiment":"neutral","sentiment_score":0.08544299616055055}],"sentiment":"neutral","sentiment_score":0.06351336726435909,"num_words":108,"start":1049.1051,"end":1094.86},{"sentences":[{"text":"Now this will be things like Australian shares, international shares, up property as well, and that is what's going to kind of give you that growth for your super.","start":1095.56,"end":1107.26,"sentiment":"neutral","sentiment_score":0.21381603720886955},{"text":"But then we also have about 10% in your defensive investment.","start":1107.695,"end":1113.075,"sentiment":"neutral","sentiment_score":0.16510633446953513},{"text":"So that will be things like cash, fixed interest, gold a little bit as well.","start":1113.535,"end":1118.495,"sentiment":"neutral","sentiment_score":0.14917157739400863},{"text":"So try not to limit the fluctuations a little bit, but the main focus is to kinda grow your super as much as possible.","start":1118.495,"end":1125.25,"sentiment":"neutral","sentiment_score":0.24212698669483265},{"text":"Now when we're also then making sure you have enough time in the market for those short term fluctuations, In a high growth portfolio, typically, we would like to see about eight years or so until retirement.","start":1126.43,"end":1144.4551,"sentiment":"neutral","sentiment_score":0.04733223609022192}],"sentiment":"neutral","sentiment_score":0.15359266237195196,"num_words":116,"start":1095.56,"end":1144.4551},{"sentences":[{"text":"So from a time frame point of view, you you have that behind you, which is great.","start":1145.3151,"end":1149.84,"sentiment":"positive","sentiment_score":0.40453744372900796},{"text":"As long as you are still kind of feeling comfortable with with that high high growth portfolio.","start":1150.32,"end":1156.26,"sentiment":"positive","sentiment_score":0.3673393253017874},{"text":"Yep.","start":1156.96,"end":1157.2799,"sentiment":"neutral","sentiment_score":0.22289320826530457},{"text":"Okay.","start":1157.2799,"end":1157.6799,"sentiment":"positive","sentiment_score":0.48147279024124146},{"text":"Fantastic.","start":1157.6799,"end":1158.1799,"sentiment":"positive","sentiment_score":0.7108944058418274}],"sentiment":"positive","sentiment_score":0.39289636426680796,"num_words":37,"start":1145.3151,"end":1158.1799},{"sentences":[{"text":"And now last thing here is just to go through a couple of documents and show you kind of what's happened to your super and where everything is at.","start":1159.6,"end":1167.495,"sentiment":"neutral","sentiment_score":0.32914799503211317},{"text":"Do you have access to your emails at the moment?","start":1167.875,"end":1171.095,"sentiment":"neutral","sentiment_score":0.04643918871879578},{"text":"Yes.","start":1172.755,"end":1173.075,"sentiment":"neutral","sentiment_score":0.12498091161251068},{"text":"Okay.","start":1173.075,"end":1173.475,"sentiment":"neutral","sentiment_score":0.29856041073799133},{"text":"Fantastic.","start":1173.475,"end":1173.975,"sentiment":"positive","sentiment_score":0.5119510293006897}],"sentiment":"neutral","sentiment_score":0.2605994308278674,"num_words":42,"start":1159.6,"end":1173.975},{"sentences":[{"text":"But what I have done is I have just sent you an email with some documents to run through.","start":1174.4349,"end":1181.62,"sentiment":"neutral","sentiment_score":0.2227938849675028},{"text":"If you can access that for me, it just makes it a little bit easier for you as I kind of run through these documents.","start":1182.24,"end":1189.0599,"sentiment":"neutral","sentiment_score":0.24226773798465728},{"text":"So let me know if you can access that.","start":1189.12,"end":1190.72,"sentiment":"neutral","sentiment_score":0.10237132592333688},{"text":"Okay?","start":1190.72,"end":1191.22,"sentiment":"neutral","sentiment_score":0.07512271404266357},{"text":"Okay.","start":1193.295,"end":1193.795,"sentiment":"neutral","sentiment_score":0.12350989878177644}],"sentiment":"neutral","sentiment_score":0.2074500329115174,"num_words":55,"start":1174.4349,"end":1193.795},{"sentences":[{"text":"Perfect.","start":1193.855,"end":1194.355,"sentiment":"neutral","sentiment_score":0.29981130361557007},{"text":"Yep.","start":1196.255,"end":1196.655,"sentiment":"neutral","sentiment_score":0.15871642529964447},{"text":"So when you press sign documents, it will allow you to open up everything and look at it before it prompts you to sign just to make sure you are happy with everything.","start":1196.655,"end":1205.375,"sentiment":"neutral","sentiment_score":0.25387472365841723},{"text":"So Yep.","start":1205.375,"end":1207.73,"sentiment":"neutral","sentiment_score":0.12201064825057983},{"text":"Now the first document, I believe, should be your super and insurance summary.","start":1207.87,"end":1213.17,"sentiment":"neutral","sentiment_score":0.13669805171398017}],"sentiment":"neutral","sentiment_score":0.21714979156851769,"num_words":50,"start":1193.855,"end":1213.17},{"sentences":[{"text":"Can you see that?","start":1213.55,"end":1214.53,"sentiment":"neutral","sentiment_score":0.08421646989881992},{"text":"Okay.","start":1217.79,"end":1218.29,"sentiment":"neutral","sentiment_score":0.08123533427715302},{"text":"So we'll start that way to make it easier for you.","start":1218.695,"end":1221.015,"sentiment":"neutral","sentiment_score":0.1532294194806706},{"text":"Is that the Vanguard index chart?","start":1221.015,"end":1222.955,"sentiment":"neutral","sentiment_score":0.05657970470686754},{"text":"Yes.","start":1224.535,"end":1225.035,"sentiment":"neutral","sentiment_score":0.10807377099990843}],"sentiment":"neutral","sentiment_score":0.11092073162612708,"num_words":23,"start":1213.55,"end":1225.035},{"sentences":[{"text":"Now this one here, it is a good visual representation of what we are talking about when we are talking about the market.","start":1225.815,"end":1233.035,"sentiment":"neutral","sentiment_score":0.1420443407867266},{"text":"Now it kind of shows have you ever seen something like this before?","start":1233.57,"end":1236.71,"sentiment":"neutral","sentiment_score":0.043636252387211874},{"text":"Yeah.","start":1238.13,"end":1238.45,"sentiment":"neutral","sentiment_score":0.07549463957548141},{"text":"Okay.","start":1238.45,"end":1238.9299,"sentiment":"neutral","sentiment_score":0.1539181023836136},{"text":"Perfect.","start":1238.9299,"end":1239.4299,"sentiment":"neutral","sentiment_score":0.30436182022094727}],"sentiment":"neutral","sentiment_score":0.11200168413611558,"num_words":39,"start":1225.815,"end":1239.4299},{"sentences":[{"text":"Basically, Vanguard does release one every year, which is great.","start":1239.89,"end":1243.01,"sentiment":"neutral","sentiment_score":0.2826326847076416},{"text":"So they should have a new one coming out shortly, but it just basically shows those up and down of the market throughout time.","start":1243.01,"end":1249.865,"sentiment":"neutral","sentiment_score":0.13382467782745758},{"text":"Basically tells us that over the long term, market always goes up.","start":1249.865,"end":1254.205,"sentiment":"neutral","sentiment_score":0.0647579340535837},{"text":"Short term, there will be some ups and downs and market fluctuations, and it breaks down the different asset classes.","start":1254.6649,"end":1260.9249,"sentiment":"neutral","sentiment_score":-0.06563661769032478},{"text":"So kind of referring back to that high growth portfolio, those growth investments are your top four.","start":1261.5199,"end":1267.36,"sentiment":"neutral","sentiment_score":0.07226890172151958}],"sentiment":"neutral","sentiment_score":0.08109702769924987,"num_words":83,"start":1239.89,"end":1267.36},{"sentences":[{"text":"So you can see The US shares, which is, like, your light green, Australian shares, which is, like, your dark green, international shares is, like, your yellow, and then property, which is, like, your maroon color.","start":1267.36,"end":1278.755,"sentiment":"neutral","sentiment_score":0.07141149695962667},{"text":"So those are kind of the ones you can see that grow the most, but they also fluctuate.","start":1278.815,"end":1282.595,"sentiment":"neutral","sentiment_score":0.06359434205417831},{"text":"And then defensive is, like, those bottom three.","start":1283.695,"end":1286.1749,"sentiment":"neutral","sentiment_score":0.026792776305228472},{"text":"Does that make sense?","start":1286.1749,"end":1287.1549,"sentiment":"neutral","sentiment_score":0.06397446524351835},{"text":"Yeah.","start":1288.2,"end":1288.52,"sentiment":"neutral","sentiment_score":0.08583219349384308}],"sentiment":"neutral","sentiment_score":0.06375498973778379,"num_words":67,"start":1267.36,"end":1288.52},{"sentences":[{"text":"Okay.","start":1288.52,"end":1288.92,"sentiment":"neutral","sentiment_score":0.16344967484474182},{"text":"Perfect.","start":1288.92,"end":1289.32,"sentiment":"positive","sentiment_score":0.36743995547294617},{"text":"Now what is the next one that you can see?","start":1289.32,"end":1291.58,"sentiment":"neutral","sentiment_score":0.09915139079093933},{"text":"Okay.","start":1298.36,"end":1298.86,"sentiment":"neutral","sentiment_score":0.1446685642004013},{"text":"Perfect.","start":1299.0,"end":1299.5,"sentiment":"neutral","sentiment_score":0.28703176975250244}],"sentiment":"neutral","sentiment_score":0.13957884801285608,"num_words":14,"start":1288.52,"end":1299.5},{"sentences":[{"text":"So this one here gives you a breakdown of your portfolio.","start":1300.375,"end":1304.715,"sentiment":"neutral","sentiment_score":0.16882081600752744},{"text":"So it shows you kind of what has happened in the last now let me have a look here for you.","start":1305.335,"end":1312.235,"sentiment":"neutral","sentiment_score":0.12740253231355123},{"text":"So this one here now I will get the team through let me check.","start":1315.2999,"end":1322.76,"sentiment":"neutral","sentiment_score":0.07162015299711909},{"text":"On the date at the top, can you see what date range does it say?","start":1323.0599,"end":1329.0751,"sentiment":"neutral","sentiment_score":0.03787038028240204},{"text":"Can you see that?","start":1329.0751,"end":1330.295,"sentiment":"neutral","sentiment_score":0.022736228071153164}],"sentiment":"neutral","sentiment_score":0.09529484481765674,"num_words":65,"start":1300.375,"end":1330.295},{"sentences":[{"text":"Yep.","start":1336.035,"end":1336.515,"sentiment":"neutral","sentiment_score":0.275387167930603},{"text":"Beautiful.","start":1336.515,"end":1337.015,"sentiment":"positive","sentiment_score":0.5507454872131348},{"text":"So it does give us a pretty good breakdown of what has happened during that time, which obviously is not a a super long time, but it's still a good time to see what's happened in the market.","start":1337.395,"end":1347.25,"sentiment":"neutral","sentiment_score":0.28271228565197243},{"text":"Because, obviously, recently, which I'm sure you have heard on the news or seen on the TV, there's obviously been a bit going on in the world and the market with everything with the war that's going on.","start":1347.25,"end":1359.295,"sentiment":"neutral","sentiment_score":0.0010007751836000306},{"text":"So obviously, I have seen a, yeah, a bit of fluctuation to the market.","start":1359.755,"end":1364.015,"sentiment":"neutral","sentiment_score":-0.08164661218013082}],"sentiment":"neutral","sentiment_score":0.11374104778667021,"num_words":92,"start":1336.035,"end":1364.015},{"sentences":[{"text":"Now the good thing is that despite that, especially being in a high growth portfolio, you you would potentially see, you know, a little bit more fluctuations because of it.","start":1364.4751,"end":1376.57,"sentiment":"neutral","sentiment_score":0.18025863493482272},{"text":"Because of that still, though, you can see that your portfolio over that period of time so if you scroll down to page two out of two for me, you should say total portfolio.","start":1378.23,"end":1393.355,"sentiment":"neutral","sentiment_score":0.09040792538400959},{"text":"So Yeah.","start":1395.575,"end":1399.5499,"sentiment":"neutral","sentiment_score":0.07278392091393471},{"text":"Yes.","start":1399.5499,"end":1400.03,"sentiment":"neutral","sentiment_score":0.17162054777145386},{"text":"Yeah.","start":1400.03,"end":1400.35,"sentiment":"positive","sentiment_score":0.36032503843307495}],"sentiment":"neutral","sentiment_score":0.1346932638107854,"num_words":68,"start":1364.4751,"end":1400.35},{"sentences":[{"text":"Perfect.","start":1400.35,"end":1400.85,"sentiment":"positive","sentiment_score":0.6085362434387207},{"text":"So you can basically see if you look at the second column to the right, it should say internal rate of return.","start":1401.47,"end":1409.65,"sentiment":"neutral","sentiment_score":0.13017972372472286},{"text":"Can you see that?","start":1411.3049,"end":1412.365,"sentiment":"neutral","sentiment_score":0.02047842158935964},{"text":"Internal rate of return is, like, the second column to the right, and it says 8.37%.","start":1413.065,"end":1419.005,"sentiment":"neutral","sentiment_score":0.045395363587886095},{"text":"Can you see that?","start":1421.785,"end":1422.9249,"sentiment":"neutral","sentiment_score":0.011143227107822895}],"sentiment":"neutral","sentiment_score":0.09202771441654321,"num_words":47,"start":1400.35,"end":1422.9249},{"sentences":[{"text":"No.","start":1425.2101,"end":1425.53,"sentiment":"neutral","sentiment_score":-0.1355961114168167},{"text":"It's okay.","start":1425.53,"end":1426.1901,"sentiment":"neutral","sentiment_score":-0.10303155332803726},{"text":"Could be a little bit small.","start":1426.5701,"end":1427.9501,"sentiment":"neutral","sentiment_score":-0.1393469199538231},{"text":"Yep.","start":1431.93,"end":1432.43,"sentiment":"neutral","sentiment_score":0.026287667453289032},{"text":"Correct.","start":1434.9701,"end":1435.4701,"sentiment":"neutral","sentiment_score":0.08653439581394196}],"sentiment":"neutral","sentiment_score":-0.09681078859350899,"num_words":11,"start":1425.2101,"end":1435.4701},{"sentences":[{"text":"Yes.","start":1435.6101,"end":1436.085,"sentiment":"neutral","sentiment_score":0.0980604737997055},{"text":"So this one here tells us that between the the April 4 and the June 3, and this is after fees as well.","start":1436.325,"end":1446.4049,"sentiment":"neutral","sentiment_score":0.09232722093229709},{"text":"So after all fees, the portfolio has gone up by 8.37, which is actually really good given what has happened in the market, and that is after fees.","start":1446.4049,"end":1457.3601,"sentiment":"positive","sentiment_score":0.39214043585317476},{"text":"So we're quite happy with that eight 8.37% during that time.","start":1457.5801,"end":1464.735,"sentiment":"neutral","sentiment_score":0.2027589533139359},{"text":"Yep.","start":1465.695,"end":1466.195,"sentiment":"neutral","sentiment_score":0.060512837022542953}],"sentiment":"neutral","sentiment_score":0.24206843879073858,"num_words":64,"start":1435.6101,"end":1466.195},{"sentences":[{"text":"So that is under the internal rate of return column.","start":1468.335,"end":1471.375,"sentiment":"neutral","sentiment_score":0.027249093540012835},{"text":"It should say 8.37%.","start":1471.375,"end":1474.6749,"sentiment":"neutral","sentiment_score":0.034662317018955946},{"text":"Yeah.","start":1483.55,"end":1483.79,"sentiment":"neutral","sentiment_score":0.02383025735616684},{"text":"So you are looking at the in that one individual investment.","start":1483.79,"end":1486.51,"sentiment":"neutral","sentiment_score":0.02554570392451503},{"text":"Yeah.","start":1486.51,"end":1486.75,"sentiment":"neutral","sentiment_score":0.037619736045598984}],"sentiment":"neutral","sentiment_score":0.027910849631384568,"num_words":27,"start":1468.335,"end":1486.75},{"sentences":[{"text":"If you can scroll down to the the second page of that document for me, Can you see now total portfolio?","start":1486.75,"end":1494.215,"sentiment":"neutral","sentiment_score":0.037473486913811596},{"text":"Yes.","start":1494.595,"end":1495.075,"sentiment":"neutral","sentiment_score":0.061802905052900314},{"text":"Yes.","start":1495.075,"end":1495.575,"sentiment":"neutral","sentiment_score":0.0934123694896698},{"text":"So this just shows you the portfolio as a whole.","start":1495.955,"end":1499.575,"sentiment":"neutral","sentiment_score":0.2252324178814888},{"text":"So all of the investments, which is good.","start":1499.875,"end":1502.85,"sentiment":"positive","sentiment_score":0.4776252843439579}],"sentiment":"neutral","sentiment_score":0.17110938910485768,"num_words":41,"start":1486.75,"end":1502.85},{"sentences":[{"text":"And it shows us the growth in the period and everything, which, again, is really good given that time period.","start":1502.9299,"end":1509.91,"sentiment":"positive","sentiment_score":0.5428901791572571},{"text":"That even shows us that from the the April 4, the starting balance was at 77,136.","start":1510.2899,"end":1519.515,"sentiment":"neutral","sentiment_score":0.2742331372573972},{"text":"And, on the July 3, it was up through 85,474.","start":1520.0549,"end":1526.475,"sentiment":"neutral","sentiment_score":0.2073934257030487},{"text":"So quite happy with that level of growth.","start":1527.095,"end":1529.335,"sentiment":"positive","sentiment_score":0.42617789655923843},{"text":"Yeah.","start":1529.335,"end":1529.835,"sentiment":"neutral","sentiment_score":0.07101763039827347}],"sentiment":"positive","sentiment_score":0.3781801607121121,"num_words":55,"start":1502.9299,"end":1529.835},{"sentences":[{"text":"Now that's yeah.","start":1530.455,"end":1532.91,"sentiment":"neutral","sentiment_score":0.02695016749203205},{"text":"Perfect.","start":1532.91,"end":1533.23,"sentiment":"positive","sentiment_score":0.39924395084381104},{"text":"Now if you scroll back up for me to where you were before and you said that 4.71, this one here, you will see that there are a couple of different lines.","start":1533.23,"end":1542.59,"sentiment":"neutral","sentiment_score":0.04183857070165686},{"text":"So you will see you see Bandalong, and then you have BankHabits.","start":1542.59,"end":1546.085,"sentiment":"neutral","sentiment_score":0.06480002279082935},{"text":"Like, it's that's basically all your individual investments.","start":1546.085,"end":1548.4249,"sentiment":"neutral","sentiment_score":0.0502395574003458}],"sentiment":"neutral","sentiment_score":0.05354366872260081,"num_words":56,"start":1530.455,"end":1548.4249},{"sentences":[{"text":"So the figure I just went through, that's, like, everything as a total to show you, but this one here breaks down each individual investment in detail.","start":1548.965,"end":1558.505,"sentiment":"neutral","sentiment_score":0.08745922865691008},{"text":"So you can even see that despite the fluctuations, most of your investments have done pretty good.","start":1559.27,"end":1566.89,"sentiment":"positive","sentiment_score":0.4862157150226481},{"text":"Usually, with your more, like, defensive, there's obviously gonna be periods of time where some perform better than other depending on what is going on in the market.","start":1568.23,"end":1576.365,"sentiment":"neutral","sentiment_score":0.14044299322579587},{"text":"But overall, we are quite happy with these investments.","start":1577.465,"end":1581.005,"sentiment":"positive","sentiment_score":0.6158672869205475},{"text":"Now there is one investment that I would like to look at changing for you if you are happy with that, and that is that one that you pointed out that says 4.71.","start":1581.625,"end":1591.92,"sentiment":"neutral","sentiment_score":0.08331378814623211}],"sentiment":"neutral","sentiment_score":0.20045290114521458,"num_words":114,"start":1548.965,"end":1591.92},{"sentences":[{"text":"And that is your Benelung Australian equity investment.","start":1592.14,"end":1596.4,"sentiment":"neutral","sentiment_score":0.030882922001183033},{"text":"Now the reason being is that with your investments, even though we are investing for the long term for your retirement, we also want to be proactive with your investment.","start":1596.86,"end":1609.055,"sentiment":"neutral","sentiment_score":0.06797133386135101},{"text":"So if there is an investment that we foresee, you know, might not be the best option moving forward, because things are always changing even last year from from when you came on board to now that there's obviously a lot of that change.","start":1609.115,"end":1621.13,"sentiment":"neutral","sentiment_score":-0.10825563992627642},{"text":"So we wanna be proactive with your investment.","start":1621.13,"end":1623.23,"sentiment":"neutral","sentiment_score":0.03531180555000901},{"text":"And if there is one that we foresee not being potentially the best option moving forward or underperforming a little bit to our expectations, then we wanna look at changing it.","start":1623.695,"end":1634.355,"sentiment":"neutral","sentiment_score":-0.14794739864526257}],"sentiment":"neutral","sentiment_score":-0.05604065850007633,"num_words":121,"start":1592.14,"end":1634.355},{"sentences":[{"text":"So what the investment committee has done is they've done a lot of research on the Bennelong investment, and it is kind of underperforming a little bit through kind of our expectations.","start":1635.295,"end":1645.36,"sentiment":"neutral","sentiment_score":-0.1956979378592223},{"text":"They've been a little bit slower with making investment decisions themselves.","start":1645.5,"end":1649.6,"sentiment":"neutral","sentiment_score":-0.24094495312734085},{"text":"So we've tried to look for a a good alternative option.","start":1650.475,"end":1654.4149,"sentiment":"neutral","sentiment_score":0.16929037801244043},{"text":"Now the Benelon Australian equity invest in Australian investments.","start":1654.7949,"end":1658.735,"sentiment":"neutral","sentiment_score":0.12328541775544484},{"text":"So we wanna look for an alternative option that also focus on the Australian investment because we wanna make sure that if we take one Australian, we still give you that good diversification.","start":1658.875,"end":1668.44,"sentiment":"neutral","sentiment_score":0.24953695499535763}],"sentiment":"neutral","sentiment_score":0.023893270175904036,"num_words":96,"start":1635.295,"end":1668.44},{"sentences":[{"text":"We don't want, like, everything in The US or around the globe.","start":1668.74,"end":1671.0599,"sentiment":"neutral","sentiment_score":0.011297092773020267},{"text":"We wanna make sure we keep it diversified.","start":1671.0599,"end":1672.76,"sentiment":"neutral","sentiment_score":0.1435192208737135},{"text":"So the one that we have found is a very good option to swap it for.","start":1673.7,"end":1680.155,"sentiment":"neutral","sentiment_score":0.3033982366323471},{"text":"It's called a beta shares a 200.","start":1680.155,"end":1683.615,"sentiment":"neutral","sentiment_score":0.17788561965738023},{"text":"Basically, what it is, it invests in the 200 largest companies listed in Australia.","start":1684.475,"end":1690.175,"sentiment":"neutral","sentiment_score":0.17211093860013144}],"sentiment":"neutral","sentiment_score":0.17180426569100013,"num_words":57,"start":1668.74,"end":1690.175},{"sentences":[{"text":"So as a company gets bigger and grows, it gets added to the top 200.","start":1690.5549,"end":1694.73,"sentiment":"neutral","sentiment_score":0.24170070588588716},{"text":"So you have all your your big banks and Woolworths and BHP and stuff, all the big kind of well known companies in Australia, so very diversified option for you.","start":1694.73,"end":1704.99,"sentiment":"positive","sentiment_score":0.3640445907910665},{"text":"But because it kind of invests in those 200 largest, it's not gonna have the same kind of fluctuation as Venilon where they are more focused on buying and selling quickly to try to outperform the market.","start":1705.93,"end":1721.355,"sentiment":"neutral","sentiment_score":0.10625404985369863},{"text":"And we've also found that the the beta is a 200.","start":1722.4401,"end":1726.28,"sentiment":"neutral","sentiment_score":0.2851191474632783},{"text":"It is a little bit cheaper because of it to kind of track that index, and it has performed a little bit better.","start":1726.28,"end":1732.06,"sentiment":"neutral","sentiment_score":0.3074306651302006}],"sentiment":"neutral","sentiment_score":0.24728848341980886,"num_words":116,"start":1690.5549,"end":1732.06},{"sentences":[{"text":"So if that is something that you are comfortable with, we will look to change that investment if if you are okay with that, brother.","start":1732.36,"end":1740.585,"sentiment":"neutral","sentiment_score":0.16847246199846266},{"text":"Yep.","start":1740.645,"end":1741.0449,"sentiment":"neutral","sentiment_score":0.17176350951194763},{"text":"Beautiful.","start":1741.0449,"end":1741.5449,"sentiment":"positive","sentiment_score":0.4803074300289154},{"text":"Now what I will do just for your reference is that I will send something that's called a record of advice.","start":1742.8049,"end":1750.1849,"sentiment":"neutral","sentiment_score":0.15085976109618232},{"text":"Now you don't have to sign it.","start":1750.245,"end":1752.06,"sentiment":"neutral","sentiment_score":0.1080209996019091}],"sentiment":"neutral","sentiment_score":0.15978335399519314,"num_words":55,"start":1732.36,"end":1752.06},{"sentences":[{"text":"It is just for your record.","start":1752.54,"end":1753.9801,"sentiment":"neutral","sentiment_score":0.13099906966090202},{"text":"So that will be emailed through to you probably in the next couple of days, and it will come directly from me.","start":1753.9801,"end":1759.5801,"sentiment":"neutral","sentiment_score":0.23803203891624103},{"text":"And that's just to say that we have done that one investment change for you.","start":1759.5801,"end":1763.3401,"sentiment":"neutral","sentiment_score":0.29779846568902335},{"text":"Okay?","start":1763.3401,"end":1763.8201,"sentiment":"neutral","sentiment_score":0.11438505351543428},{"text":"But you don't have to sign it.","start":1763.8201,"end":1764.9401,"sentiment":"neutral","sentiment_score":0.03254559529679162}],"sentiment":"neutral","sentiment_score":0.21238981333433413,"num_words":51,"start":1752.54,"end":1764.9401},{"sentences":[{"text":"It's just for your reference.","start":1764.9401,"end":1766.2401,"sentiment":"neutral","sentiment_score":0.11793875694274902},{"text":"Now any questions so far?","start":1769.375,"end":1770.735,"sentiment":"neutral","sentiment_score":0.16891317963600158},{"text":"That kind of makes sense.","start":1770.735,"end":1772.035,"sentiment":"neutral","sentiment_score":0.11077291518449783},{"text":"Yeah.","start":1774.175,"end":1774.495,"sentiment":"positive","sentiment_score":0.6838327646255493},{"text":"Perfect.","start":1774.495,"end":1774.995,"sentiment":"positive","sentiment_score":0.6753536462783813}],"sentiment":"neutral","sentiment_score":0.1969006276305984,"num_words":17,"start":1764.9401,"end":1774.995},{"sentences":[{"text":"Now what is the next document that you can see in the in the folder there?","start":1775.295,"end":1779.155,"sentiment":"neutral","sentiment_score":0.10225297370925546},{"text":"Yes.","start":1784.6799,"end":1785.16,"sentiment":"neutral","sentiment_score":0.08024176955223083},{"text":"So this one here breaks down your insurance policy with.","start":1785.16,"end":1790.78,"sentiment":"neutral","sentiment_score":0.08349754959344864},{"text":"So you can see that you do have two policies.","start":1791.88,"end":1795.7949,"sentiment":"neutral","sentiment_score":0.08544294387102128},{"text":"So you have your life insurance, and that is valued at so if something were to happen, it'll be paid out 3,004 sorry.","start":1796.095,"end":1804.575,"sentiment":"neutral","sentiment_score":0.06910170258387276}],"sentiment":"neutral","sentiment_score":0.0832505573829015,"num_words":60,"start":1775.295,"end":1804.575},{"sentences":[{"text":"345,950.","start":1804.575,"end":1807.475,"sentiment":"neutral","sentiment_score":0.028616249561309814},{"text":"That's exactly the same as total and permanently disability cover if something were to happen.","start":1808.42,"end":1814.28,"sentiment":"neutral","sentiment_score":0.05739911993344625},{"text":"Now you can see at the top here, it says yearly premium.","start":1816.42,"end":1821.08,"sentiment":"neutral","sentiment_score":0.009031417313963175},{"text":"So currently, that is 2,791 for both of them, but you can see here that they have smoker status on it.","start":1822.9349,"end":1832.635,"sentiment":"neutral","sentiment_score":-0.022491722988585632},{"text":"So like I said earlier, I will get the team to send you out some documents to look at removing that, which we'll see a nice little decrease in those premiums, which will obviously see less money coming out of your superannuation and more money being invested, which will be great.","start":1832.855,"end":1848.85,"sentiment":"neutral","sentiment_score":0.17273901231294753}],"sentiment":"neutral","sentiment_score":0.09335343501530588,"num_words":100,"start":1804.575,"end":1848.85},{"sentences":[{"text":"Yep.","start":1849.645,"end":1850.145,"sentiment":"neutral","sentiment_score":0.07791604846715927},{"text":"Yes.","start":1851.405,"end":1851.905,"sentiment":"neutral","sentiment_score":0.04540398716926575},{"text":"Exactly.","start":1853.485,"end":1853.985,"sentiment":"neutral","sentiment_score":0.11696815490722656},{"text":"Do you have any questions or want any changes to any insurances?","start":1854.285,"end":1858.785,"sentiment":"neutral","sentiment_score":0.07246713402370612},{"text":"Are you kind of happy with that level of cover?","start":1858.9249,"end":1861.265,"sentiment":"neutral","sentiment_score":0.052287827059626577}],"sentiment":"neutral","sentiment_score":0.06531088277697564,"num_words":25,"start":1849.645,"end":1861.265},{"sentences":[{"text":"Yep.","start":1862.86,"end":1863.36,"sentiment":"neutral","sentiment_score":0.04585207626223564},{"text":"Yes.","start":1868.38,"end":1868.78,"sentiment":"neutral","sentiment_score":0.02424626052379608},{"text":"Exactly.","start":1868.78,"end":1869.26,"sentiment":"neutral","sentiment_score":0.02311442419886589},{"text":"Nominated.","start":1869.26,"end":1869.76,"sentiment":"neutral","sentiment_score":0.06071002036333084},{"text":"Yes.","start":1869.9,"end":1870.14,"sentiment":"neutral","sentiment_score":0.06596899032592773}],"sentiment":"neutral","sentiment_score":0.043978354334831236,"num_words":5,"start":1862.86,"end":1870.14},{"sentences":[{"text":"Correct.","start":1870.14,"end":1870.54,"sentiment":"neutral","sentiment_score":0.09824997931718826},{"text":"Yes.","start":1870.54,"end":1870.78,"sentiment":"neutral","sentiment_score":0.0894424319267273},{"text":"We wanna make sure we get that sorted for you.","start":1870.78,"end":1872.96,"sentiment":"neutral","sentiment_score":0.09973186030983924},{"text":"Now next document, Travis, which one is that?","start":1873.74,"end":1877.505,"sentiment":"neutral","sentiment_score":0.020147882169112563},{"text":"Yes.","start":1881.725,"end":1882.225,"sentiment":"neutral","sentiment_score":0.103719100356102}],"sentiment":"neutral","sentiment_score":0.06904348438339573,"num_words":21,"start":1870.14,"end":1882.225},{"sentences":[{"text":"So that one here, it basically summarizes kind of what we touched on just now.","start":1882.4451,"end":1887.105,"sentiment":"neutral","sentiment_score":0.15104156881570815},{"text":"It shows you your superannuation with hub twenty four.","start":1887.165,"end":1890.225,"sentiment":"neutral","sentiment_score":0.12835585160387886},{"text":"It shows your approximate balance at that 85,474, and then it shows you your MLC insurance that's like we just touched on as well.","start":1890.35,"end":1898.43,"sentiment":"neutral","sentiment_score":0.14021538570523262},{"text":"Just kind of summarize everything to make it a bit easier.","start":1898.43,"end":1901.09,"sentiment":"neutral","sentiment_score":0.24224846065044403},{"text":"Yep.","start":1901.63,"end":1902.13,"sentiment":"neutral","sentiment_score":0.058672256767749786}],"sentiment":"neutral","sentiment_score":0.15849001295864582,"num_words":60,"start":1882.4451,"end":1902.13},{"sentences":[{"text":"Now what is the next one?","start":1903.31,"end":1904.775,"sentiment":"neutral","sentiment_score":0.028582263737916946},{"text":"Yes.","start":1908.615,"end":1909.115,"sentiment":"positive","sentiment_score":0.3933429718017578},{"text":"Perfect.","start":1909.175,"end":1909.675,"sentiment":"positive","sentiment_score":0.5893735885620117},{"text":"Now you probably have seen this before.","start":1909.975,"end":1913.035,"sentiment":"neutral","sentiment_score":0.2546268382242748},{"text":"It is one of those compliance documents, but it does give you all the important information regarding us here at Oakview.","start":1913.8151,"end":1921.13,"sentiment":"neutral","sentiment_score":0.1801066194616613}],"sentiment":"neutral","sentiment_score":0.18663436164044672,"num_words":36,"start":1903.31,"end":1921.13},{"sentences":[{"text":"So none of the important information has changed, but we've had a bit of an extension to the team, which is great.","start":1921.67,"end":1928.3301,"sentiment":"positive","sentiment_score":0.37050757980482146},{"text":"But then also a bit of an updated marketing.","start":1929.11,"end":1931.6901,"sentiment":"neutral","sentiment_score":0.1167228188779619},{"text":"So I'll let you have a read over this in your own time so I don't keep you for too long.","start":1931.91,"end":1936.745,"sentiment":"neutral","sentiment_score":0.11139732900829542},{"text":"But if you would like to scroll down to page 10, you will actually see a photo of myself, and sometimes it's nice to put a face to the voice.","start":1937.285,"end":1950.0,"sentiment":"neutral","sentiment_score":0.09786949505408606},{"text":"Yep.","start":1951.34,"end":1951.74,"sentiment":"neutral","sentiment_score":0.18058830499649048}],"sentiment":"neutral","sentiment_score":0.17659866495663862,"num_words":83,"start":1921.67,"end":1951.74},{"sentences":[{"text":"Perfect.","start":1951.74,"end":1952.22,"sentiment":"positive","sentiment_score":0.4576624631881714},{"text":"And you can see me next to Dana, who I believe you spoke to last time as well.","start":1952.22,"end":1956.56,"sentiment":"neutral","sentiment_score":0.14654318988323212},{"text":"Yep.","start":1957.915,"end":1958.235,"sentiment":"neutral","sentiment_score":0.1593407392501831},{"text":"Perfect.","start":1958.235,"end":1958.735,"sentiment":"positive","sentiment_score":0.3678825795650482},{"text":"Now if you can click on the next one for me.","start":1959.915,"end":1962.0951,"sentiment":"neutral","sentiment_score":0.16478643363172357}],"sentiment":"neutral","sentiment_score":0.16985356155782938,"num_words":32,"start":1951.74,"end":1962.0951},{"sentences":[{"text":"Yep.","start":1968.9551,"end":1969.29,"sentiment":"neutral","sentiment_score":0.12794718146324158},{"text":"So that one here, if you are happy to do so, we'll ask for your signature.","start":1969.53,"end":1973.63,"sentiment":"neutral","sentiment_score":0.15061426302418113},{"text":"Now what this is is just your ongoing service agreement.","start":1974.0901,"end":1979.87,"sentiment":"neutral","sentiment_score":0.13232552632689476},{"text":"That basically is just to say that you are happy to stay on as a client.","start":1980.41,"end":1984.51,"sentiment":"neutral","sentiment_score":0.2824134360998869},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1985.2251,"end":1989.645,"sentiment":"neutral","sentiment_score":0.025174153968691826}],"sentiment":"neutral","sentiment_score":0.1578497359698469,"num_words":55,"start":1968.9551,"end":1989.645},{"sentences":[{"text":"Because Jaylene is a client as well, you guys are both on that reduced couple fee, which is great, but that is reduced for you down to 1.1%.","start":1990.505,"end":2000.365,"sentiment":"neutral","sentiment_score":0.2807692161628178},{"text":"That's exactly the same.","start":2000.72,"end":2002.16,"sentiment":"neutral","sentiment_score":0.24353240057826042},{"text":"No changes, and it's not a lock in contract.","start":2002.16,"end":2005.38,"sentiment":"neutral","sentiment_score":0.03280669512848059},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":2005.4401,"end":2009.7001,"sentiment":"neutral","sentiment_score":0.01371892686519358},{"text":"But, basically, by signing this, it just allows us to manage all your investments and insurances and everything else for you in the meantime.","start":2010.08,"end":2016.615,"sentiment":"neutral","sentiment_score":0.22425238912304243}],"sentiment":"neutral","sentiment_score":0.1778304329343948,"num_words":83,"start":1990.505,"end":2016.615},{"sentences":[{"text":"Does that make sense?","start":2016.855,"end":2017.915,"sentiment":"neutral","sentiment_score":0.11821887083351612},{"text":"Yep.","start":2018.855,"end":2019.355,"sentiment":"neutral","sentiment_score":0.1945585459470749},{"text":"Perfect.","start":2019.575,"end":2020.075,"sentiment":"positive","sentiment_score":0.3742395043373108},{"text":"So, yeah, we'll just ask you for a little signature there if you're happy to do so.","start":2020.295,"end":2024.395,"sentiment":"neutral","sentiment_score":0.1969084792277392},{"text":"And then this oh, per year.","start":2024.775,"end":2030.09,"sentiment":"neutral","sentiment_score":0.050676229099432625}],"sentiment":"neutral","sentiment_score":0.16183362258919354,"num_words":29,"start":2016.855,"end":2030.09},{"sentences":[{"text":"So the the so, yeah, the total fee, it says estimated will be $904.40 per year.","start":2030.55,"end":2038.89,"sentiment":"neutral","sentiment_score":0.03074033066513948},{"text":"But that is deducted for you on a monthly basis.","start":2039.03,"end":2042.01,"sentiment":"neutral","sentiment_score":0.04246961027383804},{"text":"So it's basically divided by 12, and it comes out on a monthly basis, but it just makes it a bit more fair to you with, like, market fluctuations.","start":2042.175,"end":2050.195,"sentiment":"neutral","sentiment_score":0.09669456515332749},{"text":"So it's not like one big lump sum that comes out.","start":2050.495,"end":2053.315,"sentiment":"neutral","sentiment_score":0.005747991021383892},{"text":"It's just divided and split.","start":2054.0151,"end":2056.735,"sentiment":"neutral","sentiment_score":0.04644651412963867}],"sentiment":"neutral","sentiment_score":0.05656541203817641,"num_words":71,"start":2030.55,"end":2056.735},{"sentences":[{"text":"It comes out monthly for you.","start":2056.735,"end":2058.15,"sentiment":"neutral","sentiment_score":0.06280157466729482},{"text":"Yep.","start":2059.8298,"end":2060.15,"sentiment":"neutral","sentiment_score":0.11739804595708848},{"text":"Does that make 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validate?","start":2078.8452,"end":2081.8252,"sentiment":"neutral","sentiment_score":0.09366061290105183}],"sentiment":"neutral","sentiment_score":0.1254590167240663,"num_words":11,"start":2069.27,"end":2081.8252},{"sentences":[{"text":"Yep.","start":2088.19,"end":2088.69,"sentiment":"neutral","sentiment_score":0.13919082283973694},{"text":"Yes.","start":2091.55,"end":2092.05,"sentiment":"neutral","sentiment_score":0.292631596326828},{"text":"Perfect.","start":2092.1099,"end":2092.5898,"sentiment":"positive","sentiment_score":0.4984331130981446},{"text":"So this is another compliance form.","start":2092.5898,"end":2094.43,"sentiment":"positive","sentiment_score":0.3607014864683151},{"text":"And, again, it will ask for your signature at the bottom.","start":2094.43,"end":2096.93,"sentiment":"neutral","sentiment_score":0.2252167205918919}],"sentiment":"neutral","sentiment_score":0.27859241887927055,"num_words":20,"start":2088.19,"end":2096.93},{"sentences":[{"text":"Basically, what this is is just to say that we are keeping your tax phone number secure and safe on file.","start":2097.7852,"end":2103.0051,"sentiment":"positive","sentiment_score":0.33707870897792636},{"text":"And then yep.","start":2106.2651,"end":2108.105,"sentiment":"neutral","sentiment_score":0.1409373184045156},{"text":"Once you've added the signature and date yes.","start":2108.105,"end":2111.21,"sentiment":"neutral","sentiment_score":0.13492532540112734},{"text":"Perfect.","start":2111.21,"end":2111.6099,"sentiment":"neutral","sentiment_score":0.22276446223258972},{"text":"So when you press validate Yeah.","start":2111.6099,"end":2113.5698,"sentiment":"neutral","sentiment_score":0.0706640003869931}],"sentiment":"neutral","sentiment_score":0.23660553619265556,"num_words":39,"start":2097.7852,"end":2113.5698},{"sentences":[{"text":"Sometimes it takes a little while to load, and then it will send it back to me.","start":2113.77,"end":2120.27,"sentiment":"neutral","sentiment_score":-0.060160029898671544},{"text":"Yep.","start":2123.305,"end":2123.805,"sentiment":"neutral","sentiment_score":0.1678253412246704},{"text":"Now everything will be saved in your folder there for you.","start":2124.905,"end":2130.105,"sentiment":"neutral","sentiment_score":0.2680495042692531},{"text":"So if you ever go back and wanna have a look at these documents again, it is all for there there for you to access.","start":2130.105,"end":2135.625,"sentiment":"neutral","sentiment_score":0.21789526879787446},{"text":"If for some reason you can't access it, just let me know because we always have a copy on that file that I can send to you.","start":2135.625,"end":2142.45,"sentiment":"neutral","sentiment_score":0.11280590392373226}],"sentiment":"neutral","sentiment_score":0.13070111735551446,"num_words":81,"start":2113.77,"end":2142.45},{"sentences":[{"text":"Otherwise, following the the conversation today, I will get the team to email you the hub twenty four and your insurance beneficiary form so you can make that nomination and get that sorted.","start":2143.71,"end":2155.135,"sentiment":"neutral","sentiment_score":0.20010283634518133},{"text":"I will also let the team know in regards to that smokers rate removal.","start":2156.075,"end":2159.7751,"sentiment":"neutral","sentiment_score":0.15780072579426424},{"text":"And then, also, just keep a lookout on that ROA from myself in the next couple of days just to say that we'll do that one investment switch for you.","start":2160.315,"end":2169.01,"sentiment":"neutral","sentiment_score":0.21624003524581592},{"text":"Perfect.","start":2170.83,"end":2171.23,"sentiment":"positive","sentiment_score":0.7543222308158875},{"text":"Do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon?","start":2171.23,"end":2176.61,"sentiment":"positive","sentiment_score":0.3752941709189188}],"sentiment":"neutral","sentiment_score":0.24177075391917519,"num_words":99,"start":2143.71,"end":2176.61},{"sentences":[{"text":"No?","start":2177.95,"end":2178.45,"sentiment":"neutral","sentiment_score":0.007358301430940628},{"text":"Yep.","start":2178.5452,"end":2178.865,"sentiment":"neutral","sentiment_score":0.3066800832748413},{"text":"Perfect.","start":2178.865,"end":2179.185,"sentiment":"positive","sentiment_score":0.6752768158912659},{"text":"If you do think of anything, just let us know, and we are more than happy to book you in for a catch up or send me an email as well.","start":2179.185,"end":2186.165,"sentiment":"positive","sentiment_score":0.4601287207295818},{"text":"Yeah.","start":2187.3909,"end":2187.8909,"sentiment":"neutral","sentiment_score":0.10281113535165788}],"sentiment":"positive","sentiment_score":0.438746190816164,"num_words":35,"start":2177.95,"end":2187.8909},{"sentences":[{"text":"No worries.","start":2187.951,"end":2188.431,"sentiment":"positive","sentiment_score":0.3501564860343933},{"text":"Well, it was lovely speaking with you, Travis, and I hope you enjoy the rest of your afternoon.","start":2188.431,"end":2191.811,"sentiment":"positive","sentiment_score":0.7990218268500434},{"text":"No worries.","start":2194.271,"end":2194.911,"sentiment":"neutral","sentiment_score":0.22489823400974274},{"text":"Bye.","start":2194.911,"end":2195.411,"sentiment":"neutral","sentiment_score":-0.11212006956338882}],"sentiment":"positive","sentiment_score":0.6704514023402462,"num_words":23,"start":2187.951,"end":2195.411}]}}]},{"alternatives":[{"transcript":"Yeah. I'm well. Thank you. How are you? That's okay. Sorry for the reception. Yes. Yeah. Just bit of an update and, you know, how how it's going if it's still if it's tracking along sort of where we when we first set it up. We're sort of looking at make reaching out to Target. Yep. Yes. Yep. No. I'm still with the Charlotte Meriden. No. No. No. I'm I've I've changed I'm the sorry. I'm the leading head of Pat and Gardens in Deshara Of Maryland. I started there last year. About this time last year, I think. I've been there for about one year. Very good. Thank you. Yep. What's that? Sorry. Yeah. Yep. Yep. Yep. Yeah. Well, I earn per fortnight. I think it's around 2,400 2,200 take home. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. It's just the standard. I think yeah. This you should be able to see on my on my file there that I've yeah. Which who's been making contributions. Let's come and see. K. Because I think I think I can I'm I have Fortnite. I have a high maintenance team, but I was on I'll have to bring it up, but oh, where are we? Yeah. Yeah. And it's been going on for the last twelve months. Yep. Yes. Yep. Yep. Yes. I do. Yep. No. Nothing. I don't know. Yep. Yep. My depart. Yep. Oh, yes. I've got I've got a my report as well. Yep. Yep. Yes. Yep. Yeah. K f f e tools. I've got one loan. I've got a I brought a a massage chair. So I've got a loan with yeah. I've got a loan with over twenty four months, I think it for, I think, about $80 a fortnight. Yeah. It was 4,500. No. The value of the chair was that it was on sale. That it was it was something it it was down from 11,000. No. No. You'd probably get 4,000 for it. Secondhand. No. That's about it. Yep. Now quick. Probably about a year now. Yeah. Yep. Yeah. Definitely. Yes. Yep. Yep. Yep. No. That'd be great. Mhmm. Yep. Yep. You're good. Thank you. None. Oh, it's still pretty fit. Touchwood. No. I don't at the moment, but I would like to. How about so sorry? Yeah. Definitely. Mhmm. Yeah. Yeah. No. I think I've lost insurance there. Oh, yeah. Yep. Okay. Yeah. I'd I do. I do. Sorry. Would I be able to get them emailed to me again? Yes. I do. Mhmm. Yep. Okay. Mhmm. Mhmm. Yeah. No. Beautiful. Thank you. I'm not because I have Yeah. Mhmm. Yeah. Yeah. It is now. I'm I'm only about a half by day. Yeah. So probably another year, I reckon. Mhmm. Okay. Yep. Yep. Yeah. No. Definitely. Yeah. No. I will do. I will have a look at it definitely. Just building up my super, really. And mhmm. No. Just the my employee one. Yep. Yep. I got it. Yep. Yep. No. Tomorrow. Bit bit too early. Yeah. 60 to 60 five would be nice. Probably back in the middle way. Yeah. Don't mind if it's gonna pay off. You know? Calculated risk. Yes. Yeah. No. I'd I'd wanna sorta just discuss it with me, my next adviser there, you know, and just say k. So I wouldn't be I wouldn't be against it all all all for I just well, it wouldn't be one of those going on. But, yeah, probably would if I was in position. Yep. I don't really understand the question. Sorry. Yep. Okay. Yep. Yep. No. I'd be looking at it and trying to buy, you know, as long as you're buying the right one, the 200 low. Yeah. Even though you might lost a bit. Yeah. Probably. Yeah. Yeah. It it means financial adviser sort of like pitched it. So yeah. Well yeah. Yep. Yep. And oh, no. You'd have to let me know again. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Yes. I do. Yep. Yep. Yep. I've accessed it now. It says it's on document. Yeah. Yep. It's a chart. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Next one. Yeah. Next document is the performance with This is from the fourth or the fourth two thousand and twenty six to the third of the seventh two thousand and twenty six. Yep. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Definitely. Yep. So it's yeah. It just says yeah. At the bottom there, total. Infill what's that? Let me see. Oh, yeah. Yeah. If I'm in the internal rate of return. Yep. Mhmm. It's going up. What's that? How how much did did you say? Oh, yes. So where's that figure? Mine says 4.71. Is that for the first line? Okay. Yep. Yep. Yep. In oh, yep. Yep. Yeah. I point through. Yep. Gotcha. Yep. Yep. Yep. That's yeah. Yeah. No. That's that's it. That's the problem. Yeah. Yep. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Okay. Yep. Yep. Yes. Yep. Yep. Okay. Yep. Mhmm. Yep. Yeah. Yeah. That'd be fine. Yep. Mhmm. Yes. Yep. Alright. Okay. Thank you. No. That that sounds pretty good. Okay. Next document is the MLC life insurance policy. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. That's right. Save menu around save menu on Tiggy, save menu on two. Yeah. That's fine. I just need to actually get someone sort of stipulated on there. So who's going to speak? Yep. That's the I agree summary superannuation and insurance. Yep. Yep. It's just a IP service card. Mhmm. Yep. Yep. Yep. Yep. Alright. Yes. Yeah. It's the consent to new ongoing fee arrangement. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Better as well. Yep. Is that that is that per is that per month, is it, or per per year? That's right. Yep. Yep. Yep. Yep. That's all done. Yep. So I'll push on the date. Yep. The date. I have to date it. Yeah. It's a I think it's done. Yep. I'll just push next. That's signed, is it? On my end, I've clicked next after I signed it and data it. And it says option to provide tax file number. Oh, yep. Okay. And then validate. Mhmm. Yeah. It's just loading. Yep. Yep. Yep. Yep. Okay. No. That's fine. Thank you. Not right at all. Thank you. 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I'm well. Thank you. How are you? That's okay.\n\nSorry for the reception. Yes. Yeah. Just bit of an update and, you know, how how it's going if it's still if it's tracking along sort of where we when we first set it up. We're sort of looking at make reaching out to Target.\n\nYep. Yes. Yep. No. I'm still with the Charlotte Meriden.\n\nNo. No. No. I'm I've I've changed I'm the sorry. I'm the leading head of Pat and Gardens in Deshara Of Maryland.\n\nI started there last year. About this time last year, I think. I've been there for about one year. Very good. Thank you.\n\nYep. What's that? Sorry. Yeah. Yep.\n\nYep. Yep. Yeah. Well, I earn per fortnight. I think it's around 2,400 2,200 take home.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. It's just the standard. I think yeah. This you should be able to see on my on my file there that I've yeah.\n\nWhich who's been making contributions. Let's come and see. K. Because I think I think I can I'm I have Fortnite. I have a high maintenance team, but I was on I'll have to bring it up, but oh, where are we?\n\nYeah. Yeah. And it's been going on for the last twelve months. Yep. Yes.\n\nYep. Yep. Yes. I do. Yep.\n\nNo. Nothing. I don't know. Yep. Yep.\n\nMy depart. Yep. Oh, yes. I've got I've got a my report as well. Yep.\n\nYep. Yes. Yep. Yeah. K f f e tools.\n\nI've got one loan. I've got a I brought a a massage chair. So I've got a loan with yeah. I've got a loan with over twenty four months, I think it for, I think, about $80 a fortnight. Yeah.\n\nIt was 4,500. No. The value of the chair was that it was on sale. That it was it was something it it was down from 11,000. No.\n\nNo. You'd probably get 4,000 for it. Secondhand. No. That's about it.\n\nYep. Now quick. Probably about a year now. Yeah. Yep.\n\nYeah. Definitely. Yes. Yep. Yep.\n\nYep. No. That'd be great. Mhmm. Yep.\n\nYep. You're good. Thank you. None. Oh, it's still pretty fit.\n\nTouchwood. No. I don't at the moment, but I would like to. How about so sorry? Yeah.\n\nDefinitely. Mhmm. Yeah. Yeah. No.\n\nI think I've lost insurance there. Oh, yeah. Yep. Okay. Yeah.\n\nI'd I do. I do. Sorry. Would I be able to get them emailed to me again? Yes.\n\nI do. Mhmm. Yep. Okay. Mhmm.\n\nMhmm. Yeah. No. Beautiful. Thank you.\n\nI'm not because I have Yeah. Mhmm. Yeah. Yeah. It is now.\n\nI'm I'm only about a half by day. Yeah. So probably another year, I reckon. Mhmm. Okay.\n\nYep. Yep. Yeah. No. Definitely.\n\nYeah. No. I will do. I will have a look at it definitely. Just building up my super, really.\n\nAnd mhmm. No. Just the my employee one. Yep. Yep.\n\nI got it. Yep. Yep. No. Tomorrow.\n\nBit bit too early. Yeah. 60 to 60 five would be nice. Probably back in the middle way. Yeah.\n\nDon't mind if it's gonna pay off. You know? Calculated risk. Yes. Yeah.\n\nNo. I'd I'd wanna sorta just discuss it with me, my next adviser there, you know, and just say k. So I wouldn't be I wouldn't be against it all all all for I just well, it wouldn't be one of those going on. But, yeah, probably would if I was in position. Yep.\n\nI don't really understand the question. Sorry. Yep. Okay. Yep.\n\nYep. No. I'd be looking at it and trying to buy, you know, as long as you're buying the right one, the 200 low. Yeah. Even though you might lost a bit.\n\nYeah. Probably. Yeah. Yeah. It it means financial adviser sort of like pitched it.\n\nSo yeah. Well yeah. Yep. Yep. And oh, no.\n\nYou'd have to let me know again. Yep. Yep. Yep. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nYes. I do. Yep. Yep. Yep.\n\nI've accessed it now. It says it's on document. Yeah. Yep. It's a chart.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Next one. Yeah. Next document is the performance with This is from the fourth or the fourth two thousand and twenty six to the third of the seventh two thousand and twenty six. Yep.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nDefinitely. Yep. So it's yeah. It just says yeah. At the bottom there, total.\n\nInfill what's that? Let me see. Oh, yeah. Yeah. If I'm in the internal rate of return.\n\nYep. Mhmm. It's going up. What's that? How how much did did you say?\n\nOh, yes. So where's that figure? Mine says 4.71. Is that for the first line? Okay.\n\nYep. Yep. Yep. In oh, yep. Yep.\n\nYeah. I point through. Yep. Gotcha. Yep.\n\nYep. Yep. That's yeah. Yeah. No.\n\nThat's that's it. That's the problem. Yeah. Yep. Yep.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYep. Okay. Yep. Yep. Yes.\n\nYep. Yep. Okay. Yep. Mhmm.\n\nYep. Yeah. Yeah. That'd be fine. Yep.\n\nMhmm. Yes. Yep. Alright. Okay.\n\nThank you. No. That that sounds pretty good. Okay. Next document is the MLC life insurance policy.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nThat's right. Save menu around save menu on Tiggy, save menu on two. Yeah. That's fine. I just need to actually get someone sort of stipulated on there.\n\nSo who's going to speak? Yep. That's the I agree summary superannuation and insurance. Yep. Yep.\n\nIt's just a IP service card. Mhmm. Yep. Yep. Yep.\n\nYep. Alright. Yes. Yeah. It's the consent to new ongoing fee arrangement.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Better as well. Yep. Is that that is that per is that per month, is it, or per per year?\n\nThat's right. Yep. Yep. Yep. Yep.\n\nThat's all done. Yep. So I'll push on the date. Yep. The date.\n\nI have to date it. Yeah. It's a I think it's done. Yep. I'll just push next.\n\nThat's signed, is it? On my end, I've clicked next after I signed it and data it. And it says option to provide tax file number. Oh, yep. Okay.\n\nAnd then validate. Mhmm. Yeah. It's just loading. Yep.\n\nYep. Yep. Yep. Okay. No.\n\nThat's fine. Thank you. Not right at all. Thank you. 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as well.","start":2018.51,"end":2019.49,"sentiment":"neutral","sentiment_score":0.2292704035838445},{"text":"Yep.","start":2023.825,"end":2024.325,"sentiment":"neutral","sentiment_score":0.1685391664505005},{"text":"Is that that is that per is that per month, is it, or per per year?","start":2024.705,"end":2031.105,"sentiment":"neutral","sentiment_score":0.03288850697572343}],"sentiment":"neutral","sentiment_score":0.07291354812597009,"num_words":22,"start":2017.3099,"end":2031.105},{"sentences":[{"text":"That's right.","start":2031.105,"end":2031.9249,"sentiment":"neutral","sentiment_score":0.05766606889665127},{"text":"Yep.","start":2038.1499,"end":2038.6499,"sentiment":"neutral","sentiment_score":0.04580427333712578},{"text":"Yep.","start":2051.275,"end":2051.775,"sentiment":"neutral","sentiment_score":-0.022612374275922775},{"text":"Yep.","start":2059.035,"end":2059.535,"sentiment":"neutral","sentiment_score":0.11517144739627838},{"text":"Yep.","start":2061.34,"end":2061.74,"sentiment":"neutral","sentiment_score":0.1560148000717163}],"sentiment":"neutral","sentiment_score":0.06828504738708337,"num_words":6,"start":2031.105,"end":2061.74},{"sentences":[{"text":"That's all done.","start":2061.74,"end":2062.54,"sentiment":"neutral","sentiment_score":0.22980423271656036},{"text":"Yep.","start":2062.54,"end":2063.04,"sentiment":"neutral","sentiment_score":0.2835220396518707},{"text":"So I'll push on the date.","start":2064.6199,"end":2065.98,"sentiment":"neutral","sentiment_score":0.2400647277633349},{"text":"Yep.","start":2065.98,"end":2066.22,"sentiment":"neutral","sentiment_score":0.11593719571828842},{"text":"The date.","start":2066.22,"end":2066.88,"sentiment":"neutral","sentiment_score":0.08315137773752213}],"sentiment":"neutral","sentiment_score":0.20735100427499184,"num_words":13,"start":2061.74,"end":2066.88},{"sentences":[{"text":"I have to date it.","start":2067.58,"end":2068.64,"sentiment":"neutral","sentiment_score":0.09156816750764847},{"text":"Yeah.","start":2072.14,"end":2072.46,"sentiment":"neutral","sentiment_score":0.16390284895896912},{"text":"It's a I think it's done.","start":2072.46,"end":2074.945,"sentiment":"neutral","sentiment_score":0.2030703922112783},{"text":"Yep.","start":2074.945,"end":2075.425,"sentiment":"neutral","sentiment_score":0.16648080945014954},{"text":"I'll just push next.","start":2075.425,"end":2076.645,"sentiment":"neutral","sentiment_score":0.14752076007425785}],"sentiment":"neutral","sentiment_score":0.1527488170301213,"num_words":17,"start":2067.58,"end":2076.645},{"sentences":[{"text":"That's signed, is it?","start":2078.385,"end":2080.165,"sentiment":"neutral","sentiment_score":0.1051601730287075},{"text":"On my end, I've clicked next after I signed it and data it.","start":2084.7048,"end":2087.82,"sentiment":"neutral","sentiment_score":0.10827935601656254},{"text":"And it says option to provide tax file number.","start":2088.3,"end":2091.28,"sentiment":"neutral","sentiment_score":0.14324520942237642},{"text":"Oh, yep.","start":2097.5,"end":2098.1602,"sentiment":"neutral","sentiment_score":0.278089314699173},{"text":"Okay.","start":2103.905,"end":2104.405,"sentiment":"neutral","sentiment_score":0.18015465140342712}],"sentiment":"neutral","sentiment_score":0.13289008572183805,"num_words":29,"start":2078.385,"end":2104.405},{"sentences":[{"text":"And then validate.","start":2106.145,"end":2109.925,"sentiment":"neutral","sentiment_score":0.1473285754521688},{"text":"Mhmm.","start":2121.06,"end":2121.46,"sentiment":"neutral","sentiment_score":-0.00913636852055788},{"text":"Yeah.","start":2121.46,"end":2121.78,"sentiment":"neutral","sentiment_score":0.012602197006344795},{"text":"It's just loading.","start":2121.78,"end":2122.6,"sentiment":"neutral","sentiment_score":0.048646967858076096},{"text":"Yep.","start":2133.735,"end":2134.235,"sentiment":"neutral","sentiment_score":0.177053302526474}],"sentiment":"neutral","sentiment_score":0.0853828623269995,"num_words":9,"start":2106.145,"end":2134.235},{"sentences":[{"text":"Yep.","start":2143.175,"end":2143.675,"sentiment":"neutral","sentiment_score":0.14860376715660095},{"text":"Yep.","start":2153.26,"end":2153.76,"sentiment":"neutral","sentiment_score":0.1290850043296814},{"text":"Yep.","start":2160.705,"end":2161.205,"sentiment":"neutral","sentiment_score":0.11497338116168976},{"text":"Okay.","start":2169.665,"end":2170.165,"sentiment":"positive","sentiment_score":0.45518970489501953},{"text":"No.","start":2177.08,"end":2177.32,"sentiment":"neutral","sentiment_score":-0.08403576910495758}],"sentiment":"neutral","sentiment_score":0.1527632176876068,"num_words":5,"start":2143.175,"end":2177.32},{"sentences":[{"text":"That's fine.","start":2177.32,"end":2177.9602,"sentiment":"neutral","sentiment_score":0.04717508517205715},{"text":"Thank you.","start":2177.9602,"end":2178.62,"sentiment":"positive","sentiment_score":0.5419718027114868},{"text":"Not right at all.","start":2186.52,"end":2187.6602,"sentiment":"neutral","sentiment_score":-0.28756551072001457},{"text":"Thank you.","start":2192.6448,"end":2193.285,"sentiment":"positive","sentiment_score":0.7434752583503723},{"text":"Okay.","start":2193.285,"end":2193.785,"sentiment":"positive","sentiment_score":0.3512771725654602}],"sentiment":"neutral","sentiment_score":0.16965994746847587,"num_words":11,"start":2177.32,"end":2193.785}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Travis. This is Veronica from McQue Financial. How are you?\n\nChannel 1: Yeah. I'm well. Thank you. How are you?\n\nChannel 0: Yeah. Good. Thanks. Thanks for calling me back.\n\nChannel 1: That's okay. Sorry for the reception.\n\nChannel 0: No. All good. You still have time to go over your under review now?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. Now before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to touch on a bit more or just a bit of an update and see where everything's at?\n\nChannel 1: Yeah. Just bit of an update and, you know, how how it's going if it's still if it's tracking along sort of where we\n\nChannel 0: Mhmm.\n\nChannel 1: when we first\n\nChannel 0: I\n\nChannel 1: set\n\nChannel 0: see.\n\nChannel 1: it up.\n\nChannel 0: Yep.\n\nChannel 1: We're sort\n\nChannel 0: Yep.\n\nChannel 1: of looking at make reaching out to\n\nChannel 0: Perfect.\n\nChannel 1: Target.\n\nChannel 0: Now what I will go through with you first, before I kind of go through all your superannuation, is just a bit of an updated fact sign just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I go through this.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to your personal information, I have you down here as in a de facto relationship with one financial dependent. Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. And next up, can I have Jalene nominated? That's still the case as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And when it comes to your employment, has any of that changed in the last twelve months?\n\nChannel 1: No. I'm still with the Charlotte Meriden.\n\nChannel 0: Yep. Perfect. And so still doing, like, the warehousing and truck driving?\n\nChannel 1: No. No. No. I'm I've\n\nChannel 0: No.\n\nChannel 1: I've changed I'm the sorry. I'm the leading head of Pat and Gardens in Deshara Of Maryland.\n\nChannel 0: Ah, okay. Perfect. When did you start there?\n\nChannel 1: I started there last year. About this time last year, I think. I've been there for about one year.\n\nChannel 0: Oh, yeah. And how are you finding it so far?\n\nChannel 1: Very good.\n\nChannel 0: Oh,\n\nChannel 1: Thank you. Yep.\n\nChannel 0: that's great. And working full time still?\n\nChannel 1: What's that? Sorry.\n\nChannel 0: Working full time as well?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yep. Yep. Income wise,\n\nChannel 1: Yep.\n\nChannel 0: do you know what your income is at the moment?\n\nChannel 1: Yeah. Well, I earn per fortnight. I think it's around 2,400 2,200 take home.\n\nChannel 0: 2,200 per fortnight after tax.\n\nChannel 1: No.\n\nChannel 0: And\n\nChannel 1: No. No. No.\n\nChannel 0: does that\n\nChannel 1: No. No. No. No.\n\nChannel 0: change\n\nChannel 1: No.\n\nChannel 0: at\n\nChannel 1: No.\n\nChannel 0: all,\n\nChannel 1: No.\n\nChannel 0: or do\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: do\n\nChannel 1: No.\n\nChannel 0: overtime\n\nChannel 1: No. No. No. No.\n\nChannel 0: or\n\nChannel 1: No.\n\nChannel 0: bonuses\n\nChannel 1: No. No. No.\n\nChannel 0: or anything,\n\nChannel 1: No. No.\n\nChannel 0: or\n\nChannel 1: No. No.\n\nChannel 0: it's\n\nChannel 1: No.\n\nChannel 0: pretty\n\nChannel 1: No.\n\nChannel 0: consistent?\n\nChannel 1: No. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No. No. No.\n\nNo. No. No.\n\nChannel 0: No.\n\nChannel 1: No. No. No. No. No.\n\nNo.\n\nChannel 0: Okay.\n\nChannel 1: No. No.\n\nChannel 0: Perfect.\n\nChannel 1: No. No. No. No. No.\n\nChannel 0: And\n\nChannel 1: No. No. No.\n\nChannel 0: do\n\nChannel 1: No.\n\nChannel 0: they\n\nChannel 1: No. No.\n\nChannel 0: pay\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: No. No. No.\n\nChannel 0: standard\n\nChannel 1: No.\n\nChannel 0: 12% contribution into super, or do they have a special enterprise bargain agreement or anything like that?\n\nChannel 1: No. It's just the standard.\n\nChannel 0: Just the standard.\n\nChannel 1: I think yeah. This you should be able to see on my on my file there that I've yeah. Which who's been making contributions. Let's come and see.\n\nChannel 0: Yes. Let me go in and have a look. Sometimes it shows up in a bit different as well, like the name, but let me just triple check that in your account for you.\n\nChannel 1: K. Because I think I think I can I'm I have Fortnite. I have a high maintenance team, but I was on\n\nChannel 0: That's\n\nChannel 1: I'll\n\nChannel 0: good.\n\nChannel 1: have\n\nChannel 0: Yeah.\n\nChannel 1: to bring it up, but oh, where are we?\n\nChannel 0: Yeah. I can see here on the June 30, they deposited $330 at Shire of Meriden. Yeah. Perfect.\n\nChannel 1: Yeah. Yeah. And it's been\n\nChannel 0: Oh,\n\nChannel 1: going\n\nChannel 0: matches.\n\nChannel 1: on for the last twelve months.\n\nChannel 0: Yeah. I can see they did, yeah, fortnightly, three through nine on the June 16,\n\nChannel 1: Yep.\n\nChannel 0: and then you had 03:40. So it does vary a little bit.\n\nChannel 1: Yes.\n\nChannel 0: But around yeah. 03:40, and then you had three twenty nine, 03:29. So, yes, it's been going in 03:28. So, yeah, it's been going in pretty consistently every fortnight, which is great.\n\nChannel 1: Yep.\n\nChannel 0: So that's all good. Now asset and liabilities wise, I have here a check fee of that $4,000.\n\nChannel 1: Yep.\n\nChannel 0: Still have that on perfect. And you\n\nChannel 1: Yes.\n\nChannel 0: didn't have\n\nChannel 1: I\n\nChannel 0: anything\n\nChannel 1: do. Yep.\n\nChannel 0: up owing on that one, do you, Travis?\n\nChannel 1: No. Nothing. I don't know.\n\nChannel 0: No. Perfect. I also have here a motor vehicle right at about $9,000.\n\nChannel 1: Yep. Yep. My depart.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: And a motor vehicle as well.\n\nChannel 1: Oh, yes. I've got I've got a my report as well. Yep.\n\nChannel 0: Yep. Perfect. So I have a motor vehicle 9,000 and the motorbike at 6,000. Does\n\nChannel 1: Yep.\n\nChannel 0: that sound about right? Yep.\n\nChannel 1: Yes. Yep.\n\nChannel 0: And then tools for about 60,000.\n\nChannel 1: Yeah. K f f e\n\nChannel 0: Yeah.\n\nChannel 1: tools.\n\nChannel 0: Yeah. Now any other assets or any, like, personal loans, credit cards, or anything else we haven't gone through?\n\nChannel 1: I've got one loan. I've got a I brought a a massage chair. So\n\nChannel 0: Oh,\n\nChannel 1: I've got\n\nChannel 0: yeah.\n\nChannel 1: a loan\n\nChannel 0: No.\n\nChannel 1: with yeah. I've got a loan with over twenty four months, I think it for, I think, about $80 a fortnight.\n\nChannel 0: Okay. And do you know how much the total loan was?\n\nChannel 1: Yeah. It was 4,500.\n\nChannel 0: 500. And how much was that the value of the chair as well? Or\n\nChannel 1: No. The value of the chair was that it was on sale. That it was it was something it it was down from 11,000.\n\nChannel 0: oh, wow. Perfect. But if you were to, let's say, tryna sell it, it would be worth about 11,000.\n\nChannel 1: No. No. You'd probably get 4,000 for it.\n\nChannel 0: About 4,000.\n\nChannel 1: Secondhand.\n\nChannel 0: Okay. Yeah. True. Okay. Anything else anything else that's new?\n\nChannel 1: No. That's about it.\n\nChannel 0: No. That's all good. Alright. Health and lifestyle wise.\n\nChannel 1: Yep.\n\nChannel 0: Are you a smoker?\n\nChannel 1: Now quick.\n\nChannel 0: Oh, beautiful. And when did you quit?\n\nChannel 1: Probably about a year now.\n\nChannel 0: Yes. So would you say over twelve months since\n\nChannel 1: Yeah.\n\nChannel 0: last\n\nChannel 1: Yep.\n\nChannel 0: time you had anything? Okay.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: That is really good because, basically, what that means obviously, aside from that's great from health. What\n\nChannel 1: Yes.\n\nChannel 0: it means from insurances is that we can look at removing your smokers range, which will see the policy being a lot cheaper. So, basically, what the insurers do is they play something that's called a loading on an insurance policy if you are a smoker. So\n\nChannel 1: Yep.\n\nChannel 0: because they are well, there's a higher risk of of something,\n\nChannel 1: Yep.\n\nChannel 0: they increase your premium a little bit.\n\nChannel 1: Yep.\n\nChannel 0: But when you have been when it's been more than twelve months since you had, like, a cigarette or vaping or nicotine, tablets, chewing gum, anything like that, they are happy to review getting those purchase rates off.\n\nChannel 1: No. That'd be great.\n\nChannel 0: Yeah. So what I will do after the call is I will get the team notified, and then they can send you out a little document to complete. Basically, just declaring and confirming that you have stopped smoking,\n\nChannel 1: Mhmm.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: we can send that off through MLC for your insurances and look to get those reduced, which we'll often see it reduced by quite a bit, which which is fantastic. So great job.\n\nChannel 1: Yep. You're good. Thank you.\n\nChannel 0: No worries. Otherwise, any changes to your health otherwise?\n\nChannel 1: None. Oh, it's still pretty\n\nChannel 0: No.\n\nChannel 1: fit.\n\nChannel 0: Oh, great.\n\nChannel 1: Touchwood.\n\nChannel 0: Yeah. And estate planning wise, do you guys have a will in place at all?\n\nChannel 1: No. I don't at the moment, but\n\nChannel 0: No.\n\nChannel 1: I would like\n\nChannel 0: Not the\n\nChannel 1: to.\n\nChannel 0: will. They're kind of on the to do list.\n\nChannel 1: How about so sorry?\n\nChannel 0: On the to do list?\n\nChannel 1: Yeah. Definitely. Mhmm.\n\nChannel 0: Yep. Do you know somewhere or someone that you can speak through to get it sorted, or would you like\n\nChannel 1: Yeah.\n\nChannel 0: us yeah. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now, otherwise, you don't have anyone who makes any financial decisions on your behalf or a power of attorney in place or anything like that?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: Great.\n\nChannel 1: think I've lost insurance there.\n\nChannel 0: Yes. So for your insurances and hub twenty four for your super funds, We don't currently have a valid nomination on file for that. So do you remember a valid nomination so you have made\n\nChannel 1: Oh, yeah.\n\nChannel 0: a decision of who you want to give it to\n\nChannel 1: Yep.\n\nChannel 0: if something were to happen?\n\nChannel 1: Okay.\n\nChannel 0: Do you remember receiving those documents in\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: I'd\n\nChannel 0: post\n\nChannel 1: I\n\nChannel 0: by\n\nChannel 1: do.\n\nChannel 0: any chance? You do?\n\nChannel 1: I do. Sorry.\n\nChannel 0: Do you no.\n\nChannel 1: Would\n\nChannel 0: That's\n\nChannel 1: I be\n\nChannel 0: all\n\nChannel 1: able to\n\nChannel 0: good.\n\nChannel 1: get them emailed to me again?\n\nChannel 0: Yeah. Of course. Do you have access to a printer?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yeah. Okay. Perfect. What I'll do is I will get the team to email them through you. That way, it's in\n\nChannel 1: Mhmm.\n\nChannel 0: your inbox as well. If you ever lose them, have a look through them. If you have any issues or question completing them, just just let me know.\n\nChannel 1: Yep.\n\nChannel 0: But,\n\nChannel 1: Okay.\n\nChannel 0: otherwise, I will get that emailed to you just so that if something ever were to happen, we wanna make sure, obviously, we have everything in place that you will then go to whoever you wanna allocate it to.\n\nChannel 1: Mhmm. Mhmm. Yeah. No. Beautiful.\n\nThank you.\n\nChannel 0: Yep. Perfect. Otherwise, when it comes to, I guess, goals or stuff that you are working towards or that you are wanting to achieve, during under review is often a good time to kind of check-in to see, okay. What was the goal last time? How did we go?\n\nIs that still the plan, or has anything kind of changed? So\n\nChannel 1: I'm not\n\nChannel 0: last\n\nChannel 1: because\n\nChannel 0: time\n\nChannel 1: I have\n\nChannel 0: yeah. When you spoke so when you spoke to my KA colleague, Dana, you had here that kind of in the medium terms in the next couple of years was through a look at buying a property, like an\n\nChannel 1: Yeah.\n\nChannel 0: investment property in the city.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that still kind of something you are working towards?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Yeah. It is now.\n\nChannel 0: Yep. And have you started looking,\n\nChannel 1: I'm\n\nChannel 0: or is it just kind of in a, like, a couple of years?\n\nChannel 1: I'm only about a half by day. Yeah. So probably another\n\nChannel 0: Okay. Yeah. Well, if\n\nChannel 1: year,\n\nChannel 0: it is that when you are ready to have a look\n\nChannel 1: I\n\nChannel 0: at it or if you wanna know, you know, borrowing capacity\n\nChannel 1: reckon.\n\nChannel 0: or anything like that, just let\n\nChannel 1: Mhmm.\n\nChannel 0: us know because we do work closely with a couple of different brokers\n\nChannel 1: Okay.\n\nChannel 0: that can give\n\nChannel 1: Yep.\n\nChannel 0: you a bit of an assessment to be like, okay. Well, this type of property would cost roughly this much, and this is how much you can borrow and stuff, which is\n\nChannel 1: Yep.\n\nChannel 0: sometimes a good little check-in to say where you are at and how much you might need to achieve\n\nChannel 1: Yeah. No.\n\nChannel 0: that.\n\nChannel 1: Definitely. Yeah. No. I will\n\nChannel 0: Yeah.\n\nChannel 1: do. I will have a look at it definitely.\n\nChannel 0: Yeah. Is there anything else that you are working towards aside from the the property otherwise there, Travis? Was that your main focus?\n\nChannel 1: Just building up my super, really. And\n\nChannel 0: Yep. Focus on growing. And at the moment, you are not making any additional contributions. It's just that from your employer. Right?\n\nChannel 1: mhmm. No. Just the my employee\n\nChannel 0: Yeah.\n\nChannel 1: one.\n\nChannel 0: Yep. Perfect. Well, talking about your superannuation, what I will go through next is just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed. If we need to make any changes to your risk profile in your super, so how your money is invested. Now some of it can be a little bit tricky because it's kind of all hypothetical about how you would feel in certain situations,\n\nChannel 1: Yep. Yep.\n\nChannel 0: and there's no right or wrong answer. It's just so whatever you feel is the most appropriate for you. Does that make\n\nChannel 1: I\n\nChannel 0: sense?\n\nChannel 1: got it.\n\nChannel 0: Yep. And it's all multiple choice as well, so it makes it nice and easy.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But, Travis, have you ever bought direct shares yourself on the stock market?\n\nChannel 1: No.\n\nChannel 0: Nope. And time frames to retirement. Do you know roughly, ideally, when you think you would like to retire and start accessing your superannuation?\n\nChannel 1: Tomorrow.\n\nChannel 0: Tomorrow? So, well, the\n\nChannel 1: Bit\n\nChannel 0: earliest\n\nChannel 1: bit too\n\nChannel 0: you\n\nChannel 1: early.\n\nChannel 0: can access super well, you can retire. You just can't get super yet. But the earliest with the current legislation if you stop working is at 60. So I can just put down ideally 60, obviously, trying to get you to your goals by\n\nChannel 1: Yeah.\n\nChannel 0: then.\n\nChannel 1: 60\n\nChannel 0: And\n\nChannel 1: to\n\nChannel 0: if\n\nChannel 1: 60\n\nChannel 0: you do\n\nChannel 1: five\n\nChannel 0: yeah. Okay.\n\nChannel 1: would be\n\nChannel 0: Perfect.\n\nChannel 1: nice.\n\nChannel 0: Yep. Perfect. And I guess when it comes through how much risk you're willing to take for your superannuation. So would you say that you are willing to accept very high risk, high mod moderate, or a small amount of risk for your superannuation in order to make sure that continues to grow, but also that you are comfortable with the short term fluctuation.\n\nChannel 1: Probably back in the middle way.\n\nChannel 0: In the middle about moderate?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Don't\n\nChannel 0: I\n\nChannel 1: mind if it's gonna pay off. You know? Calculated risk.\n\nChannel 0: yes. Yes. Perfect. And when it comes to fluctuations or volatility in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So it's not like one particular investment that's gone bad, just the market as a whole that has seen a bit of a drop.\n\nChannel 1: Yes.\n\nChannel 0: Now would would you yeah? Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold on right to see what happens, Or would you want to shift to a more secure asset, so that means you are then selling prices have dropped?\n\nChannel 1: Yeah. No. I'd I'd wanna sorta just discuss it with me, my next\n\nChannel 0: Yep.\n\nChannel 1: adviser there, you know,\n\nChannel 0: Yeah.\n\nChannel 1: and just\n\nChannel 0: Good\n\nChannel 1: say\n\nChannel 0: answer.\n\nChannel 1: k. So I wouldn't be I wouldn't be against it all all all for I\n\nChannel 0: Yep.\n\nChannel 1: just well, it wouldn't\n\nChannel 0: Okay.\n\nChannel 1: be one of those going on. But, yeah,\n\nChannel 0: Yes.\n\nChannel 1: probably would\n\nChannel 0: Perfect.\n\nChannel 1: if I\n\nChannel 0: Yeah.\n\nChannel 1: was in\n\nChannel 0: Okay.\n\nChannel 1: position.\n\nChannel 0: Perfect. So if the if the opportunity was good good for it and there was no underlying, I guess, reason why it happened through that particular investment and it was a good investment opportunity, potentially invest a little bit more, but, obviously, depending on market trends and risk and everything like that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Perfect. Now when it comes to fluctuations again so any fluctuations to any investment. So for example, superannuation or any other investment, when they fall in value, would you say that you feel optimistic optimistic about potential future investment opportunity, a bit more kind of neutral, not making further investment, concerned, or highly anxious?\n\nChannel 1: I don't really understand the question. Sorry.\n\nChannel 0: No. That's okay. So the question is in regards to any assets fluctuating. So let's say, for example, superannuation. If\n\nChannel 1: Yep.\n\nChannel 0: superannuation ever fell in value so say you looked at it one day and then the the next week or month, it was down.\n\nChannel 1: Okay.\n\nChannel 0: Would you feel positive about it because you are like, okay. Well, now there are potential investment opportunities that I can take advantage of. Would you be\n\nChannel 1: Yep.\n\nChannel 0: a bit more kind of neutral, understand, well, that is just the nature of the market that sometimes it will fluctuate depending on what's going on, that you wouldn't kind of react. You would just let it be,\n\nChannel 1: Yep.\n\nChannel 0: or you would be quite concerned or anxious about it.\n\nChannel 1: No. I'd be looking at it and trying to buy, you know, as long\n\nChannel 0: Yep.\n\nChannel 1: as you're buying\n\nChannel 0: Yes.\n\nChannel 1: the right one, the 200 low. Yeah. Even\n\nChannel 0: Yep.\n\nChannel 1: though you might\n\nChannel 0: Okay.\n\nChannel 1: lost a bit.\n\nChannel 0: Yeah. Okay. Fantastic. And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds personally?\n\nChannel 1: Yeah. Probably.\n\nChannel 0: Maybe? Yep. Okay.\n\nChannel 1: Yeah. Yeah. It it means financial adviser\n\nChannel 0: Well, if\n\nChannel 1: sort of like pitched\n\nChannel 0: yeah.\n\nChannel 1: it.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. Well\n\nChannel 0: I open split if it's still an option.\n\nChannel 1: yeah.\n\nChannel 0: Now that tells me here that you have come out as a high growth investor, which\n\nChannel 1: Yep.\n\nChannel 0: is the portfolio that we currently have you invested in. So they do align, which is good. Do you\n\nChannel 1: Yep.\n\nChannel 0: remember\n\nChannel 1: And\n\nChannel 0: what it means to be a high growth investor at all there, Trevor?\n\nChannel 1: oh, no. You'd have to let me know again.\n\nChannel 0: Yeah. Well, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you can access it. But\n\nChannel 1: Yep.\n\nChannel 0: at the same time that you are prepared and understand that there will be some fluctuations in the short term because\n\nChannel 1: Yep.\n\nChannel 0: of it. Now,\n\nChannel 1: Yep.\n\nChannel 0: typically speaking, when we are also then talking about an asset allocation to how your money is actually invested, we\n\nChannel 1: Mhmm.\n\nChannel 0: see about 90% invested\n\nChannel 1: Yep.\n\nChannel 0: in what we would call your growth assets. Now this will be things like Australian\n\nChannel 1: Mhmm.\n\nChannel 0: shares, international shares, up property as well, and that is what's going to kind of give you that growth for your super. But then\n\nChannel 1: Yep.\n\nChannel 0: we also have about 10% in your defensive investment. So that will be\n\nChannel 1: Mhmm.\n\nChannel 0: things like cash, fixed interest, gold a little bit as well. So try not to\n\nChannel 1: Yep.\n\nChannel 0: limit the fluctuations a little bit, but the main focus is to kinda grow your super as much as possible. Now\n\nChannel 1: Mhmm.\n\nChannel 0: when we're also then making sure you have enough time in the market for those short term fluctuations, In a high growth portfolio, typically, we would like to see about eight years or so until retirement. So from\n\nChannel 1: Mhmm.\n\nChannel 0: a time frame point of view, you you have that behind you, which is great. As long\n\nChannel 1: Yep.\n\nChannel 0: as you are still kind of feeling comfortable with with that high high growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Fantastic. And now last thing here is just to go through a couple of documents and show you kind of what's happened to your super and where everything is at. Do\n\nChannel 1: Yep.\n\nChannel 0: you have access to your emails at the moment?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yes. Okay. Fantastic. But what I have done is I have just sent you an email with some documents to run through. If\n\nChannel 1: Yep.\n\nChannel 0: you can access that for me, it just makes it a little bit easier for you as I kind\n\nChannel 1: Yep.\n\nChannel 0: of run through these documents. So let me know if you can access that. Okay?\n\nChannel 1: Yep. I've accessed it now.\n\nChannel 0: Okay.\n\nChannel 1: It says\n\nChannel 0: Perfect.\n\nChannel 1: it's on document.\n\nChannel 0: Yep. So when you press sign documents, it will allow you to open up everything and look at it before it prompts you to sign just to make sure you are happy with everything. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Now the first document, I believe, should be your super and insurance summary. Can you see that?\n\nChannel 1: It's a chart.\n\nChannel 0: Okay. So we'll start that way to make it easier for you. Is that the Vanguard index chart?\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Yes. Now this one here, it is a good visual representation of what we are talking about when we are talking about the market. Now it\n\nChannel 1: Yep.\n\nChannel 0: kind of shows have you ever seen something like this before?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Okay. Perfect. Basically, Vanguard does release one every year, which is great. So they should have a new one coming out shortly, but it just basically shows those up and down of the market throughout time.\n\nBasically\n\nChannel 1: Yep.\n\nChannel 0: tells us that over the long term, market always goes up. Short term, there will be some ups and downs and market fluctuations, and it breaks down the different asset classes. So kind\n\nChannel 1: Yep.\n\nChannel 0: of referring back to that high growth portfolio, those growth investments are your top four. So you can see The US shares, which is, like, your light green, Australian shares, which is, like, your dark green, international\n\nChannel 1: Yep.\n\nChannel 0: shares is, like, your yellow, and then property, which is, like, your maroon color. So those are kind of the ones you can see that grow the most, but they also fluctuate.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: And then defensive is, like, those bottom three. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Perfect. Now what is the next one that you can see?\n\nChannel 1: Next one. Yeah. Next document is the performance with\n\nChannel 0: Okay. Perfect. So this one here gives you a breakdown of your portfolio. So it shows you kind of what has happened in the last now let me have a look here for you. So this one here now I will get the team through let me check.\n\nOn the date at the top, can you see what date range does it say? Can you see\n\nChannel 1: This\n\nChannel 0: that?\n\nChannel 1: is from the fourth or the fourth two thousand and twenty six to the third of the seventh two thousand and twenty six.\n\nChannel 0: Yep. Beautiful. So it does give us a pretty good breakdown of what has happened during that time, which obviously is not a a super long time, but it's still\n\nChannel 1: Yep.\n\nChannel 0: a good time to see what's happened in the market. Because, obviously, recently, which I'm sure you have heard on the news or seen on the TV, there's obviously been a bit going on in the world and the market with everything\n\nChannel 1: Yes.\n\nChannel 0: with the\n\nChannel 1: Yeah.\n\nChannel 0: war that's going on.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah.\n\nChannel 0: obviously,\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: I have seen a, yeah, a bit of fluctuation to the market. Now the good thing is that despite that, especially being in a high growth portfolio, you you would potentially see, you know, a little bit more fluctuations because of it.\n\nChannel 1: Yep.\n\nChannel 0: Because of that still, though, you can see that your portfolio over that period of time so if you scroll down to page two out of two for me, you should say total portfolio.\n\nChannel 1: So it's yeah.\n\nChannel 0: So\n\nChannel 1: It just says yeah. At the bottom there, total.\n\nChannel 0: Yeah. Yes. Yeah. Perfect. So you can basically see if you look at the second column to the right, it should say internal rate of return.\n\nChannel 1: Infill\n\nChannel 0: Can you\n\nChannel 1: what's\n\nChannel 0: see that?\n\nChannel 1: that?\n\nChannel 0: Internal rate of return is, like, the second column to the right, and it says 8.37%.\n\nChannel 1: Let me see.\n\nChannel 0: Can you see that? No. It's okay. Could be a little bit small.\n\nChannel 1: Oh, yeah. Yeah. If I'm in the\n\nChannel 0: Yep.\n\nChannel 1: internal rate of return. Yep.\n\nChannel 0: Correct. Yes. So this one here tells us that between the the April 4 and the June 3, and this is after fees as well. So after all fees, the portfolio\n\nChannel 1: Mhmm.\n\nChannel 0: has gone up by 8.37, which is actually really good given what has happened in the market, and that is after fees. So we're\n\nChannel 1: It's\n\nChannel 0: quite\n\nChannel 1: going\n\nChannel 0: happy\n\nChannel 1: up. What's\n\nChannel 0: with\n\nChannel 1: that?\n\nChannel 0: that\n\nChannel 1: How how much did\n\nChannel 0: eight\n\nChannel 1: did you say?\n\nChannel 0: 8.37% during that time.\n\nChannel 1: Oh, yes.\n\nChannel 0: Yep.\n\nChannel 1: So where's that figure?\n\nChannel 0: So that is under the internal rate of return column. It should say 8.37%.\n\nChannel 1: Mine says 4.71. Is that for the first line?\n\nChannel 0: Yeah. So you are looking at the in that one individual investment. Yeah. If you can scroll down to the the second page of that document for me,\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Can you\n\nChannel 1: Yep.\n\nChannel 0: see\n\nChannel 1: In\n\nChannel 0: now total\n\nChannel 1: oh, yep.\n\nChannel 0: portfolio?\n\nChannel 1: Yep. Yeah. I\n\nChannel 0: Yes.\n\nChannel 1: point through.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: So this just\n\nChannel 1: Gotcha.\n\nChannel 0: shows you the portfolio as a whole. So all\n\nChannel 1: Yep.\n\nChannel 0: of the investments, which is good. And it shows us the growth in the period and everything, which, again, is really good given that time period. That even shows us that from the the April 4, the starting balance was at 77,136.\n\nChannel 1: Yep.\n\nChannel 0: And, on the July 3, it was up through 85,474. So\n\nChannel 1: Yep.\n\nChannel 0: quite happy\n\nChannel 1: That's\n\nChannel 0: with that level of growth. Yeah.\n\nChannel 1: yeah. Yeah. No.\n\nChannel 0: Now\n\nChannel 1: That's that's it. That's the problem.\n\nChannel 0: that's yeah. Perfect. Now if you scroll back up for me\n\nChannel 1: Yeah.\n\nChannel 0: to where you were before and you said that 4.71, this\n\nChannel 1: Yep.\n\nChannel 0: one here, you will see that there are a couple of different lines. So you will see you see Bandalong, and then you have BankHabits. Like, it's that's basically all your individual investments. So the\n\nChannel 1: Yep.\n\nChannel 0: figure I just went through, that's, like, everything as a total to show you, but\n\nChannel 1: Yep.\n\nChannel 0: this one here breaks down each individual investment in detail. So\n\nChannel 1: Mhmm.\n\nChannel 0: you can even see that despite the fluctuations, most of your investments have done pretty good.\n\nChannel 1: Yep.\n\nChannel 0: Usually, with your more, like, defensive, there's obviously gonna be periods of time where some perform better than other depending on what is going on in the market.\n\nChannel 1: Yep.\n\nChannel 0: But overall, we are quite happy with these investments. Now there is one investment that I would like to look at changing for you if you are happy with that, and\n\nChannel 1: Mhmm.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: is that one that you pointed out that says 4.71. And that is your Benelung Australian equity\n\nChannel 1: Okay.\n\nChannel 0: investment. Now\n\nChannel 1: Yep.\n\nChannel 0: the reason being is that with your investments, even though we are investing for the long term for your retirement, we also want to be proactive with your investment. So if there is\n\nChannel 1: Yep.\n\nChannel 0: an investment that we foresee, you know, might not be the best option moving forward, because things are always changing even last year from from when you came on board to now that there's obviously a lot of that change. So we wanna be proactive with your investment. And if there is one that we foresee not being potentially the best option moving forward or underperforming a little bit to our expectations, then we wanna look at changing it.\n\nChannel 1: Yes.\n\nChannel 0: So what the investment committee has done is they've done a lot of research on the Bennelong investment, and it is kind of underperforming a little bit through kind of our expectations. They've been a little bit slower with making investment decisions themselves. So we've tried to look for a a good alternative option. Now the Benelon Australian equity invest in Australian investments. So we wanna look for an alternative option that also focus on the Australian investment because we wanna make sure that if we take one Australian, we still give you that good diversification.\n\nWe don't want, like, everything in The US or around the globe. We wanna make sure we keep it diversified.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So the one that we have found is a very good option to swap it for. It's called a beta shares a 200. Basically, what it is, it invests in the 200 largest companies listed in Australia. So as a company gets bigger and grows, it gets added to the top 200. So you have all your your big banks and Woolworths and BHP and stuff, all the big kind of well known companies in Australia, so very diversified option for you.\n\nBut because it kind of invests in those 200 largest, it's not gonna have the same kind of fluctuation as Venilon where they are more focused on buying\n\nChannel 1: Okay.\n\nChannel 0: and selling quickly to try to outperform the market.\n\nChannel 1: Yep.\n\nChannel 0: And we've also found that the the beta is a 200. It is a little bit cheaper because of it to kind of track that index, and it\n\nChannel 1: Mhmm.\n\nChannel 0: has performed a little bit better. So if that is something that you are comfortable with, we will\n\nChannel 1: Yep.\n\nChannel 0: look to change that investment if if you are okay with that, brother.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. That'd\n\nChannel 0: Beautiful.\n\nChannel 1: be fine. Yep.\n\nChannel 0: Now what I will do just for your reference is that I will send something that's called a record of advice. Now you don't have to sign it. It is\n\nChannel 1: Mhmm.\n\nChannel 0: just for your record. So that will be emailed through to you probably in the next couple of days, and\n\nChannel 1: Yes.\n\nChannel 0: it will come directly from me. And that's just to say that we have done that one investment change for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: But you don't have\n\nChannel 1: Alright.\n\nChannel 0: to sign it. It's just for your reference.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Now any questions so far? That kind of makes sense.\n\nChannel 1: No. That that sounds pretty good.\n\nChannel 0: Yeah. Perfect. Now what is the next document that you can see in the in the folder there?\n\nChannel 1: Okay. Next document is the MLC life insurance policy.\n\nChannel 0: Yes. So this one here breaks down your insurance policy with. So you can see that you do have two policies. So you have\n\nChannel 1: Yep.\n\nChannel 0: your life insurance, and that is valued at so if something were to happen, it'll be paid out 3,004 sorry. 345,950.\n\nChannel 1: Yep.\n\nChannel 0: That's exactly the same as total and permanently disability cover if something were to happen.\n\nChannel 1: Mhmm.\n\nChannel 0: Now you can see at the top here, it says yearly premium.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So currently, that is 2,791 for both of them, but\n\nChannel 1: Mhmm.\n\nChannel 0: you can see here that they have smoker status on it. So like I said earlier,\n\nChannel 1: Yep.\n\nChannel 0: I will get the team to send you out some documents to look at removing that, which we'll see\n\nChannel 1: Yep.\n\nChannel 0: a nice little decrease in those premiums, which will obviously see less money coming out of your superannuation\n\nChannel 1: Yep.\n\nChannel 0: and more money being invested, which will be great.\n\nChannel 1: Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: right. Save menu around save menu on Tiggy,\n\nChannel 0: Yes.\n\nChannel 1: save menu on two.\n\nChannel 0: Exactly. Do you have any questions or want any changes to any insurances? Are you kind of happy with that level of cover?\n\nChannel 1: Yeah. That's fine. I just\n\nChannel 0: Yep.\n\nChannel 1: need to actually get someone sort of stipulated on there. So\n\nChannel 0: Yes.\n\nChannel 1: who's\n\nChannel 0: Exactly.\n\nChannel 1: going to speak?\n\nChannel 0: Nominated. Yes. Correct. Yes. We wanna make sure we get that sorted for you.\n\nNow next document, Travis, which one is that?\n\nChannel 1: Yep. That's the I agree summary superannuation and insurance.\n\nChannel 0: Yes. So that one here, it basically summarizes kind of what we touched on just now. It shows you your superannuation with hub twenty four. It shows\n\nChannel 1: Yep.\n\nChannel 0: your approximate balance at that 85,474, and then it shows you your MLC insurance that's like we just touched on as well. Just kind of summarize everything to make it a bit easier.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now what is the next one?\n\nChannel 1: It's just a IP service card.\n\nChannel 0: Yes. Perfect. Now you probably have seen this before. It is one of those compliance documents, but it does give you all the important information\n\nChannel 1: Mhmm.\n\nChannel 0: regarding us here at Oakview. So\n\nChannel 1: Yep.\n\nChannel 0: none of the important information has changed, but we've had a bit of an extension to the team, which is great.\n\nChannel 1: Yep.\n\nChannel 0: But then also a bit of an updated marketing. So I'll let you have a read over this in your own time so I don't keep you for too long. But if you would like to scroll\n\nChannel 1: Yep.\n\nChannel 0: down to page 10, you will actually see a photo of myself, and sometimes it's nice to put a face to the voice.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright.\n\nChannel 0: And you can see me next to Dana, who I believe you spoke to last time as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now if you can click on the next one for me.\n\nChannel 1: Yeah. It's the consent to new ongoing fee arrangement.\n\nChannel 0: Yep. So that one here, if you are happy to do so, we'll ask for your signature. Now what\n\nChannel 1: Yep.\n\nChannel 0: this is is just your ongoing service agreement. That basically is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Because Jaylene is a client as well, you guys are both on that reduced couple fee, which is great, but that is reduced for you down to 1.1%. That's exactly the same. No changes, and it's\n\nChannel 1: Yep.\n\nChannel 0: not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, by signing this, it just allows us to manage all your investments and insurances and everything else for you in the meantime. Does that\n\nChannel 1: Yep.\n\nChannel 0: make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep. Better as\n\nChannel 0: Yep.\n\nChannel 1: well.\n\nChannel 0: Perfect. So, yeah, we'll just ask you for a little signature there if you're happy to do\n\nChannel 1: Yep.\n\nChannel 0: so.\n\nChannel 1: Is\n\nChannel 0: And then\n\nChannel 1: that that\n\nChannel 0: this\n\nChannel 1: is that per is that per month, is it, or per\n\nChannel 0: oh, per year.\n\nChannel 1: per\n\nChannel 0: So\n\nChannel 1: year? That's\n\nChannel 0: the\n\nChannel 1: right.\n\nChannel 0: the so, yeah, the total fee, it says estimated will be $904.40 per\n\nChannel 1: Yep.\n\nChannel 0: year. But that is deducted for you on a monthly basis. So it's basically divided by 12, and it comes out on a monthly basis, but it just makes it a bit more fair to you with, like, market fluctuations. So it's not like\n\nChannel 1: Yep.\n\nChannel 0: one big lump sum that comes out. It's just divided and split. It comes out monthly for you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Yep. That's all\n\nChannel 0: Yep.\n\nChannel 1: done. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: So I'll push on the date. Yep. The date. I have to date it.\n\nChannel 0: Yeah. Sometimes it adds it automatically.\n\nChannel 1: Yeah. It's a I think it's done. Yep. I'll just push\n\nChannel 0: Yep.\n\nChannel 1: next.\n\nChannel 0: Yes.\n\nChannel 1: That's\n\nChannel 0: Is that\n\nChannel 1: signed, is it?\n\nChannel 0: validate?\n\nChannel 1: On my end, I've clicked next after I signed it and data it.\n\nChannel 0: Yep.\n\nChannel 1: And it says option to provide tax file number.\n\nChannel 0: Yes. Perfect. So this is another compliance form. And, again, it will ask for your signature at the bottom.\n\nChannel 1: Oh, yep.\n\nChannel 0: Basically, what this is is just to say that we are keeping your tax phone number secure and safe on file.\n\nChannel 1: Okay. And\n\nChannel 0: And\n\nChannel 1: then\n\nChannel 0: then yep. Once you've added the signature\n\nChannel 1: validate.\n\nChannel 0: and date yes. Perfect. So when you press validate Yeah. Sometimes it takes a little while to load, and then it will send it back to me.\n\nChannel 1: Mhmm. Yeah. It's just loading.\n\nChannel 0: Yep. Now everything will be saved in your folder there for you. So if you ever go back and wanna have a look at these documents again, it is all\n\nChannel 1: Yep.\n\nChannel 0: for there there for you to access. If for some reason you can't access it, just let me know because we always have a copy on that file that I can send to you.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, following the the conversation today, I will get the team to email you the hub twenty four and your insurance beneficiary form so you can make that\n\nChannel 1: Yep.\n\nChannel 0: nomination and get that sorted. I will also let the team know in regards to that smokers rate removal. And then,\n\nChannel 1: Yep.\n\nChannel 0: also, just keep a lookout on that ROA from myself in the next couple of days just to say that we'll do that one investment switch for you.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon?\n\nChannel 1: No. That's fine.\n\nChannel 0: No?\n\nChannel 1: Thank you.\n\nChannel 0: Yep. Perfect. If you do think of anything, just let us know, and we are more than happy to book you in for a catch up or send me an email as well.\n\nChannel 1: Not right at all.\n\nChannel 0: Yeah. No worries. Well, it was lovely speaking with you, Travis, and I hope you enjoy the rest of your afternoon.\n\nChannel 1: Thank you. Okay.\n\nChannel 0: No worries. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Travis.","start":1.52,"end":2.48,"sentiment":"neutral","sentiment_score":0.2943252722422282},{"text":"This is Veronica from McQue Financial.","start":2.48,"end":4.18,"sentiment":"neutral","sentiment_score":0.21139548470576605},{"text":"How are you?","start":4.3199997,"end":5.14,"sentiment":"neutral","sentiment_score":0.16708270708719888}],"sentiment":"neutral","sentiment_score":0.2210497371852398,"channel":0,"num_words":12,"start":1.52,"end":5.14},{"sentences":[{"text":"Yeah.","start":5.52,"end":5.68,"sentiment":"neutral","sentiment_score":0.19776016473770144},{"text":"I'm well.","start":5.68,"end":6.0,"sentiment":"positive","sentiment_score":0.3419125974178314},{"text":"Thank you.","start":6.0,"end":6.3999996,"sentiment":"positive","sentiment_score":0.576165497303009},{"text":"How are 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then","start":1107.695,"end":1108.095,"sentiment":"neutral","sentiment_score":0.1364736109972}],"sentiment":"neutral","sentiment_score":0.229277809150517,"channel":0,"num_words":24,"start":1098.92,"end":1108.095},{"sentences":[{"text":"Yep.","start":1107.975,"end":1108.475,"sentiment":"neutral","sentiment_score":0.12022994458675385}],"sentiment":"neutral","sentiment_score":0.12022994458675385,"channel":1,"num_words":1,"start":1107.975,"end":1108.475},{"sentences":[{"text":"we also have about 10% in your defensive investment.","start":1108.095,"end":1113.075,"sentiment":"neutral","sentiment_score":0.17146916190783182},{"text":"So that will be","start":1113.535,"end":1114.255,"sentiment":"neutral","sentiment_score":0.1812993325293064}],"sentiment":"neutral","sentiment_score":0.17449382979136246,"channel":0,"num_words":13,"start":1108.095,"end":1114.255},{"sentences":[{"text":"Mhmm.","start":1114.135,"end":1114.635,"sentiment":"neutral","sentiment_score":0.10535022616386414}],"sentiment":"neutral","sentiment_score":0.10535022616386414,"channel":1,"num_words":1,"start":1114.135,"end":1114.635},{"sentences":[{"text":"things like cash, fixed interest, gold a little bit as well.","start":1114.255,"end":1118.495,"sentiment":"neutral","sentiment_score":0.13748875734480945},{"text":"So try not 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compliance form.","start":2092.5898,"end":2094.43,"sentiment":"positive","sentiment_score":0.3607014864683151},{"text":"And, again, it will ask for your signature at the bottom.","start":2094.43,"end":2096.93,"sentiment":"neutral","sentiment_score":0.2252167205918919}],"sentiment":"neutral","sentiment_score":0.28592934498661443,"channel":0,"num_words":19,"start":2091.55,"end":2096.93},{"sentences":[{"text":"Oh, yep.","start":2097.5,"end":2098.1602,"sentiment":"neutral","sentiment_score":0.278089314699173}],"sentiment":"neutral","sentiment_score":0.278089314699173,"channel":1,"num_words":2,"start":2097.5,"end":2098.1602},{"sentences":[{"text":"Basically, what this is is just to say that we are keeping your tax phone number secure and safe on 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yep.","start":2106.5051,"end":2108.105,"sentiment":"neutral","sentiment_score":0.13797374814748764},{"text":"Once you've added the signature","start":2108.105,"end":2109.465,"sentiment":"neutral","sentiment_score":0.1403389796614647}],"sentiment":"neutral","sentiment_score":0.13966319922889983,"channel":0,"num_words":7,"start":2106.5051,"end":2109.465},{"sentences":[{"text":"validate.","start":2109.425,"end":2109.925,"sentiment":"neutral","sentiment_score":0.15511181950569153}],"sentiment":"neutral","sentiment_score":0.15511181950569153,"channel":1,"num_words":1,"start":2109.425,"end":2109.925},{"sentences":[{"text":"and date yes.","start":2109.465,"end":2111.21,"sentiment":"neutral","sentiment_score":0.1259025683005651},{"text":"Perfect.","start":2111.21,"end":2111.6099,"sentiment":"neutral","sentiment_score":0.22276446223258972},{"text":"So when you press validate Yeah.","start":2111.6099,"end":2113.5698,"sentiment":"neutral","sentiment_score":0.0706640003869931},{"text":"Sometimes it takes a little while to load, and then it will send it back to me.","start":2113.77,"end":2120.27,"sentiment":"neutral","sentiment_score":-0.060160029898671544}],"sentiment":"neutral","sentiment_score":0.00006428374736397354,"channel":0,"num_words":27,"start":2109.465,"end":2120.27},{"sentences":[{"text":"Mhmm.","start":2121.06,"end":2121.46,"sentiment":"neutral","sentiment_score":-0.00913636852055788},{"text":"Yeah.","start":2121.46,"end":2121.78,"sentiment":"neutral","sentiment_score":0.012602197006344795},{"text":"It's just loading.","start":2121.78,"end":2122.6,"sentiment":"neutral","sentiment_score":0.048646967858076096}],"sentiment":"neutral","sentiment_score":0.02988134641200304,"channel":1,"num_words":5,"start":2121.06,"end":2122.6},{"sentences":[{"text":"Yep.","start":2123.305,"end":2123.805,"sentiment":"neutral","sentiment_score":0.1678253412246704},{"text":"Now everything will be saved in your folder there for you.","start":2124.905,"end":2130.105,"sentiment":"neutral","sentiment_score":0.2680495042692531},{"text":"So if you ever go back and wanna have a look at these documents again, it is all","start":2130.105,"end":2134.0251,"sentiment":"neutral","sentiment_score":0.23039696117242178}],"sentiment":"neutral","sentiment_score":0.2421171729763349,"channel":0,"num_words":30,"start":2123.305,"end":2134.0251},{"sentences":[{"text":"Yep.","start":2133.735,"end":2134.235,"sentiment":"neutral","sentiment_score":0.177053302526474}],"sentiment":"neutral","sentiment_score":0.177053302526474,"channel":1,"num_words":1,"start":2133.735,"end":2134.235},{"sentences":[{"text":"for there there for you to access.","start":2134.0251,"end":2135.625,"sentiment":"neutral","sentiment_score":0.18574805983475276},{"text":"If for some reason you can't access it, just let me know because we always have a copy on that file that I can send to you.","start":2135.625,"end":2142.45,"sentiment":"neutral","sentiment_score":0.11280590392373226}],"sentiment":"neutral","sentiment_score":0.12782340661129532,"channel":0,"num_words":34,"start":2134.0251,"end":2142.45},{"sentences":[{"text":"Yep.","start":2143.175,"end":2143.675,"sentiment":"neutral","sentiment_score":0.14860376715660095}],"sentiment":"neutral","sentiment_score":0.14860376715660095,"channel":1,"num_words":1,"start":2143.175,"end":2143.675},{"sentences":[{"text":"Otherwise, following the the conversation today, I will get the team to email you the hub twenty four and your insurance beneficiary form so you can make that","start":2143.71,"end":2153.435,"sentiment":"neutral","sentiment_score":0.20749018554176604}],"sentiment":"neutral","sentiment_score":0.20749018554176604,"channel":0,"num_words":28,"start":2143.71,"end":2153.435},{"sentences":[{"text":"Yep.","start":2153.26,"end":2153.76,"sentiment":"neutral","sentiment_score":0.1290850043296814}],"sentiment":"neutral","sentiment_score":0.1290850043296814,"channel":1,"num_words":1,"start":2153.26,"end":2153.76},{"sentences":[{"text":"nomination and get that sorted.","start":2153.435,"end":2155.135,"sentiment":"neutral","sentiment_score":0.15873368084430695},{"text":"I will also let the team know in regards to that smokers rate removal.","start":2156.075,"end":2159.7751,"sentiment":"neutral","sentiment_score":0.15780072579426424},{"text":"And then,","start":2160.315,"end":2161.0352,"sentiment":"neutral","sentiment_score":0.12585335597395897}],"sentiment":"neutral","sentiment_score":0.15498025129948342,"channel":0,"num_words":21,"start":2153.435,"end":2161.0352},{"sentences":[{"text":"Yep.","start":2160.705,"end":2161.205,"sentiment":"neutral","sentiment_score":0.11497338116168976}],"sentiment":"neutral","sentiment_score":0.11497338116168976,"channel":1,"num_words":1,"start":2160.705,"end":2161.205},{"sentences":[{"text":"also, just keep a lookout on that ROA from myself in the next couple of days just to say that we'll do that one investment switch for you.","start":2161.0352,"end":2169.01,"sentiment":"neutral","sentiment_score":0.22269622662237712}],"sentiment":"neutral","sentiment_score":0.22269622662237712,"channel":0,"num_words":28,"start":2161.0352,"end":2169.01},{"sentences":[{"text":"Okay.","start":2169.665,"end":2170.165,"sentiment":"positive","sentiment_score":0.45518970489501953}],"sentiment":"positive","sentiment_score":0.45518970489501953,"channel":1,"num_words":1,"start":2169.665,"end":2170.165},{"sentences":[{"text":"Perfect.","start":2170.83,"end":2171.23,"sentiment":"positive","sentiment_score":0.7543222308158875},{"text":"Do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon?","start":2171.23,"end":2176.61,"sentiment":"positive","sentiment_score":0.3752941709189188}],"sentiment":"positive","sentiment_score":0.39252271909605374,"channel":0,"num_words":22,"start":2170.83,"end":2176.61},{"sentences":[{"text":"No.","start":2177.08,"end":2177.32,"sentiment":"neutral","sentiment_score":-0.08403576910495758},{"text":"That's fine.","start":2177.32,"end":2177.9602,"sentiment":"neutral","sentiment_score":0.04717508517205715}],"sentiment":"neutral","sentiment_score":0.0034381337463855743,"channel":1,"num_words":3,"start":2177.08,"end":2177.9602},{"sentences":[{"text":"No?","start":2177.95,"end":2178.45,"sentiment":"neutral","sentiment_score":0.007358301430940628}],"sentiment":"neutral","sentiment_score":0.007358301430940628,"channel":0,"num_words":1,"start":2177.95,"end":2178.45},{"sentences":[{"text":"Thank you.","start":2177.9602,"end":2178.62,"sentiment":"positive","sentiment_score":0.5419718027114868}],"sentiment":"positive","sentiment_score":0.5419718027114868,"channel":1,"num_words":2,"start":2177.9602,"end":2178.62},{"sentences":[{"text":"Yep.","start":2178.5452,"end":2178.865,"sentiment":"neutral","sentiment_score":0.3066800832748413},{"text":"Perfect.","start":2178.865,"end":2179.185,"sentiment":"positive","sentiment_score":0.6752768158912659},{"text":"If you do think of anything, just let us know, and we are more than happy to book you in for a catch up or send me an email as well.","start":2179.185,"end":2186.165,"sentiment":"positive","sentiment_score":0.4601287207295818}],"sentiment":"positive","sentiment_score":0.4619984012661558,"channel":0,"num_words":33,"start":2178.5452,"end":2186.165},{"sentences":[{"text":"Not right at all.","start":2186.52,"end":2187.6602,"sentiment":"neutral","sentiment_score":-0.28756551072001457}],"sentiment":"neutral","sentiment_score":-0.28756551072001457,"channel":1,"num_words":4,"start":2186.52,"end":2187.6602},{"sentences":[{"text":"Yeah.","start":2187.3909,"end":2187.8909,"sentiment":"neutral","sentiment_score":0.10281113535165788},{"text":"No worries.","start":2187.951,"end":2188.431,"sentiment":"positive","sentiment_score":0.3501564860343933},{"text":"Well, it was lovely speaking with you, Travis, and I hope you enjoy the rest of your afternoon.","start":2188.431,"end":2191.811,"sentiment":"positive","sentiment_score":0.7990218268500434}],"sentiment":"positive","sentiment_score":0.7231198567010108,"channel":0,"num_words":21,"start":2187.3909,"end":2191.811},{"sentences":[{"text":"Thank you.","start":2192.6448,"end":2193.285,"sentiment":"positive","sentiment_score":0.7434752583503723},{"text":"Okay.","start":2193.285,"end":2193.785,"sentiment":"positive","sentiment_score":0.3512771725654602}],"sentiment":"positive","sentiment_score":0.612742563088735,"channel":1,"num_words":3,"start":2192.6448,"end":2193.785},{"sentences":[{"text":"No worries.","start":2194.271,"end":2194.911,"sentiment":"neutral","sentiment_score":0.22489823400974274},{"text":"Bye.","start":2194.911,"end":2195.411,"sentiment":"neutral","sentiment_score":-0.11212006956338882}],"sentiment":"neutral","sentiment_score":0.11255879948536555,"channel":0,"num_words":3,"start":2194.271,"end":2195.411}]},"summary":{"result":"success","short":"During a call with Mcakum Financial, the representative discusses the customer's under review and personal information, health history, and finances. They also mention the possibility of removing smokers from insurance and offer to send a document to complete underwriting. The agent emphasizes the importance of staying prepared for potential investment opportunities and provides advice on risk profiles and volatility in the market. The speaker also discusses the growth of the customer's super portfolio and provides a breakdown of their portfolio. The agent sends documents and a record of advice, and the customer is instructed to sign and date the documents. The speaker emphasizes the importance of staying prepared for potential investment opportunities and offers a catch-up or email follow-up if needed."},"intents":{"segments":[{"text":"You still have time to go over your under review now?","start_word":37,"end_word":47,"intents":[{"intent":"Review review","confidence_score":0.08504786}]},{"text":"Now when it comes to your personal information, I have you down here as in a de facto relationship with one financial dependent. Is that still the case? Yes. Yep. Perfect.","start_word":219,"end_word":249,"intents":[{"intent":"Update personal information","confidence_score":0.1658106}]},{"text":"And next up, can I have Jalene nominated?","start_word":250,"end_word":257,"intents":[{"intent":"Ensure approval of nomination","confidence_score":0.000054807435}]},{"text":"And when it comes to your employment, has any of that changed in the last twelve months? No. I'm still with the Charlotte Meriden. Yep. Perfect.","start_word":267,"end_word":292,"intents":[{"intent":"Confirm employment status","confidence_score":0.22634868}]},{"text":"And it's Oh, been matches. going on for the last twelve months. Yeah.","start_word":665,"end_word":677,"intents":[{"intent":"Check match status","confidence_score":0.0050086984}]},{"text":"because they are well, there's a higher risk of of something, Yep. they increase your premium a little bit. Yep.","start_word":1128,"end_word":1147,"intents":[{"intent":"Reduce insurance premiums","confidence_score":0.033104178}]},{"text":"Do you remember receiving those documents in Yeah.","start_word":1453,"end_word":1460,"intents":[{"intent":"Obtain document information","confidence_score":0.00014852821}]},{"text":"So I'm not last because time I have yeah. When you spoke so when you spoke to my KA colleague, Dana, you had here that kind of in the medium terms in the next couple of years was through a look at buying a property, like an Yeah. investment property in the city. Mhmm.","start_word":1663,"end_word":1716,"intents":[{"intent":"Streamline investment process","confidence_score":0.00011490203}]},{"text":"Now some of it can be a little bit tricky because it's kind of all hypothetical about how you would feel in certain situations, Yep. Yep. and there's no right or wrong answer. It's just so whatever you feel is the most appropriate for you. Does that make I sense?","start_word":2006,"end_word":2055,"intents":[{"intent":"Explain financial planning","confidence_score":0.00009067218}]},{"text":"Do you know roughly, ideally, when you think you would like to retire and start accessing your superannuation? Tomorrow. Tomorrow?","start_word":2094,"end_word":2113,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.014547886},{"intent":"Summarize timeframes","confidence_score":0.0000056804665}]},{"text":"And I guess when it comes through how much risk you're willing to take for your superannuation. So would you say that you are willing to accept very high risk, high mod moderate, or a small amount of risk for your superannuation in order to make sure that continues to grow, but also that you are comfortable with the short term fluctuation. Probably back in the middle way.","start_word":2185,"end_word":2252,"intents":[{"intent":"Inquire about risk tolerance","confidence_score":0.0057562627}]},{"text":"And when it comes to fluctuations or volatility in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So it's not like one particular investment that's gone bad, just the market as a whole that has seen a bit of a drop. Yes.","start_word":2276,"end_word":2343,"intents":[{"intent":"Discuss portfolio value","confidence_score":0.10668316},{"intent":"Evaluate volatility and market trends","confidence_score":0.00001269718}]},{"text":"So if the if the opportunity was good good for it and there was no underlying, I guess, reason why it happened through that particular investment and it was a good investment opportunity, potentially invest a little bit more, but, obviously, depending on market trends and risk and everything like that.","start_word":2481,"end_word":2531,"intents":[{"intent":"Discuss investment opportunity","confidence_score":0.24661362},{"intent":"Explain market trends and risk","confidence_score":0.00049379}]},{"text":"Now when it comes to fluctuations again so any fluctuations to any investment. So for example, superannuation or any other investment, when they fall in value, would you say that you feel optimistic optimistic about potential future investment opportunity, a bit more kind of neutral, not making further investment, concerned, or highly anxious?","start_word":2536,"end_word":2588,"intents":[{"intent":"Evaluate investor confidence","confidence_score":0.0005212525}]},{"text":"And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds personally? Yeah.","start_word":2757,"end_word":2784,"intents":[{"intent":"Inquire about borrowing money","confidence_score":0.0073437938}]},{"text":"And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds personally? Yeah. Probably.","start_word":2757,"end_word":2785,"intents":[{"intent":"Understand investment process","confidence_score":0.0009903666},{"intent":"Discuss investment strategy","confidence_score":0.036947228}]},{"text":"Now that tells me here that you have come out as a high growth investor, which is Yep. the portfolio that we currently have you invested in. So they do align, which is good. Do you Yep.","start_word":2817,"end_word":2853,"intents":[{"intent":"Discuss portfolio","confidence_score":0.016601838}]},{"text":"Now that tells me here that you have come out as a high growth investor, which is Yep. the portfolio that we currently have you invested in. So they do align, which is good. Do you Yep. remember And what it means to be a high growth investor at all there, Trevor? oh, no.","start_word":2817,"end_word":2870,"intents":[{"intent":"Discuss growth strategies","confidence_score":0.005025299}]},{"text":"you have access to your emails at the moment?","start_word":3167,"end_word":3175,"intents":[{"intent":"Access documents","confidence_score":0.22274768}]},{"text":"So this one here gives you a breakdown of your portfolio. So it shows you kind of what has happened in the last now let me have a look here for you. So this one here now I will get the team through let me check. On the date at the top, can you see what date range does it say? Can you see This that? is from the fourth or the fourth two thousand and twenty six to the third of the seventh two thousand and twenty six.","start_word":3550,"end_word":3638,"intents":[{"intent":"Explain portfolio history","confidence_score":0.000010238601}]},{"text":"Because of that still, though, you can see that your portfolio over that period of time so if you scroll down to page two out of two for me, you should say total portfolio. So it's yeah.","start_word":3780,"end_word":3816,"intents":[{"intent":"Confirm portfolio details","confidence_score":0.009377955}]},{"text":"Now there is one investment that I would like to look at changing for you if you are happy with that, and Mhmm.","start_word":4291,"end_word":4313,"intents":[{"intent":"Change investment plan","confidence_score":0.03702429}]},{"text":"So we've tried to look for a a good alternative option. Now the Benelon Australian equity invest in Australian investments.","start_word":4495,"end_word":4514,"intents":[{"intent":"Discuss investing options","confidence_score":0.0012028994}]},{"text":"That's the I agree summary superannuation and insurance. Yes. So that one here, it basically summarizes kind of what we touched on just now. It shows you your superannuation with hub twenty four. It shows Yep. your approximate balance at that 85,474, and then it shows you your MLC insurance that's like we just touched on as well. Just kind of summarize everything to make it a bit easier. Yep.","start_word":5131,"end_word":5200,"intents":[{"intent":"Summarize insurance coverage","confidence_score":0.0028069168}]},{"text":"So I'll push on the date. Yep.","start_word":5663,"end_word":5669,"intents":[{"intent":"Update on yep file","confidence_score":0.000014697547}]},{"text":"That's Is that signed, is it? validate?","start_word":5697,"end_word":5703,"intents":[{"intent":"Verify signature","confidence_score":0.14798303}]},{"text":"And it says option to provide tax file number. Yes. Perfect.","start_word":5718,"end_word":5728,"intents":[{"intent":"Provide tax file number","confidence_score":0.011124373},{"intent":"Provide tax file number","confidence_score":0.3541032}]},{"text":"Basically, what this is is just to say that we are keeping your tax phone number secure and safe on file. Okay.","start_word":5748,"end_word":5769,"intents":[{"intent":"Ensure security of tax phone number","confidence_score":0.0002071095}]},{"text":"Sometimes it takes a little while to load, and then it will send it back to me. Mhmm.","start_word":5791,"end_word":5808,"intents":[{"intent":"Send validation form","confidence_score":0.000031070722}]},{"text":"Now everything will be saved in your folder there for you. So if you ever go back and wanna have a look at these documents again, it is all Yep. for there there for you to access. If for some reason you can't access it, just let me know because we always have a copy on that file that I can send to you.","start_word":5814,"end_word":5877,"intents":[{"intent":"Assist with document access","confidence_score":0.00015866998}]},{"text":"Otherwise, following the the conversation today, I will get the team to email you the hub twenty four and your insurance beneficiary form so you can make that Yep. nomination and get that sorted.","start_word":5879,"end_word":5912,"intents":[{"intent":"Email hub twenty four and insurance beneficiary form","confidence_score":0.07979541}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Travis. This is Veronica from McQue Financial. How are you? Yeah.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.21796441078186035},{"text":"I'm well. Thank you.","start_word":13,"end_word":16,"sentiment":"positive","sentiment_score":0.42120498418807983},{"text":"How are you? Yeah.","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.28232342004776},{"text":"Good. Thanks. Thanks for calling me back.","start_word":21,"end_word":27,"sentiment":"positive","sentiment_score":0.5427526831626892},{"text":"That's okay. Sorry for the reception. No. All good. You still have time to go over your under review now? Yes. Yeah.","start_word":28,"end_word":49,"sentiment":"neutral","sentiment_score":0.1053985133767128},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.33732056617736816},{"text":"Now before I do kind of jump into things, I do like to start by asking if there is anything specific you were hoping to get out of the review today or any areas you would like me to touch on a bit more or just a bit of an update and see where everything's at? Yeah. Just bit of an update and, you know, how how it's going if it's still if it's tracking along sort of where we Mhmm. when we first I set see. it up. Yep. We're sort Yep. of looking at make reaching out to Perfect. Target. Now what I will go through with you first, before I kind of go through all your superannuation, is just a bit of an updated fact sign just to see if there is anything major that has changed in your life, if we need to make any changes to your advice at all. So just kind of bear with me as I go through this. Yep. Now when it comes to your personal information, I have you down here as in a de facto relationship with one financial dependent. Is that still the case? Yes. Yep. Perfect. And next up, can I have Jalene nominated? That's still the case as well? Yep. Yep. Perfect. And when it comes to your employment, has any of that changed in the last twelve months? No. I'm still with the Charlotte Meriden. Yep. Perfect. And so still doing, like, the warehousing and truck driving? No. No. No. I'm I've No. I've changed I'm the sorry. I'm the leading head of Pat and Gardens in Deshara Of Maryland. Ah, okay. Perfect. When did you start there? I started there last year. About this time last year, I think. I've been there for about one year. Oh, yeah. And how are you finding it so far?","start_word":51,"end_word":362,"sentiment":"neutral","sentiment_score":0.03528780638216398},{"text":"Very good. Oh, Thank you. Yep. that's great.","start_word":363,"end_word":370,"sentiment":"positive","sentiment_score":0.5962861776351929},{"text":"And working full time still? What's that? Sorry. Working full time as well? Yeah. Yep. Yep. Yep. Yep. Income wise, Yep. do you know what your income is at the moment? Yeah. Well, I earn per fortnight. I think it's around 2,400 2,200 take home. 2,200 per fortnight after tax. No. And No. No. No. does that No. No. No. No. change No. at No. all, No. or do No. you No. do No. overtime No. No. No. No. or No. bonuses No. No. No. or anything, No. No. or No. No. it's No. pretty No. consistent? No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. No. Okay. No. No. Perfect. No. No. No. No. No. And No. No. No. do No. they No. No. pay No. you No. that No. No. No. standard No. 12% contribution into super, or do they have a special enterprise bargain agreement or anything like that? No. It's just the standard. Just the standard. I think yeah. This you should be able to see on my on my file there that I've yeah. Which who's been making contributions. Let's come and see. Yes. Let me go in and have a look. Sometimes it shows up in a bit different as well, like the name, but let me just triple check that in your account for you. K. Because I think I think I can I'm I have Fortnite. I have a high maintenance team, but I was on That's I'll good. have Yeah. to bring it up, but oh, where are we? Yeah. I can see here on the June 30, they deposited $330 at Shire of Meriden. Yeah. Perfect. Yeah. Yeah. And it's Oh, been matches. going on for the last twelve months. Yeah. I can see they did, yeah, fortnightly, three through nine on the June 16, Yep. and then you had 03:40. So it does vary a little bit. Yes. But around yeah. 03:40, and then you had three twenty nine, 03:29. So, yes, it's been going in 03:28.","start_word":371,"end_word":723,"sentiment":"neutral","sentiment_score":-0.012024498193738482},{"text":"So, yeah, it's been going in pretty consistently every fortnight, which is great. Yep. So that's all good.","start_word":724,"end_word":741,"sentiment":"positive","sentiment_score":0.5171036124229431},{"text":"Now asset and liabilities wise, I have here a check fee of that $4,000. Yep.","start_word":742,"end_word":756,"sentiment":"neutral","sentiment_score":0.13414594531059265},{"text":"Still have that on perfect.","start_word":757,"end_word":761,"sentiment":"positive","sentiment_score":0.4403080940246582},{"text":"And you Yes. didn't have I anything do. Yep. up owing on that one, do you, Travis? No. Nothing. I don't know. No. Perfect. I also have here a motor vehicle right at about $9,000. Yep. Yep. My depart. Yep. Yep. And a motor vehicle as well. Oh, yes. I've got I've got a my report as well. Yep. Yep. Perfect. So I have a motor vehicle 9,000 and the motorbike at 6,000. Does Yep. that sound about right? Yep. Yes. Yep. And then tools for about 60,000. Yeah. K f f e Yeah. tools. Yeah. Now any other assets or any, like, personal loans, credit cards, or anything else we haven't gone through? I've got one loan. I've got a I brought a a massage chair. So Oh, I've got yeah. a loan No. with yeah. I've got a loan with over twenty four months, I think it for, I think, about $80 a fortnight. Okay. And do you know how much the total loan was? Yeah. It was 4,500. 500. And how much was that the value of the chair as well? Or No. The value of the chair was that it was on sale. That it was it was something it it was down from 11,000. oh, wow.","start_word":762,"end_word":972,"sentiment":"neutral","sentiment_score":0.016290850937366486},{"text":"Perfect.","start_word":973,"end_word":973,"sentiment":"positive","sentiment_score":0.3890211582183838},{"text":"But if you were to, let's say, tryna sell it, it would be worth about 11,000. No. No. You'd probably get 4,000 for it. About 4,000. Secondhand. Okay. Yeah. True. Okay. Anything else anything else that's new? No. That's about it. No. That's all good. Alright. Health and lifestyle wise. Yep. Are you a smoker? Now quick. Oh, beautiful. And when did you quit? Probably about a year now. Yes. So would you say over twelve months since Yeah. last Yep. time you had anything? Okay. Yeah. Definitely.","start_word":974,"end_word":1061,"sentiment":"neutral","sentiment_score":0.01299808081239462},{"text":"That is really good because, basically, what that means obviously, aside from that's great from health.","start_word":1062,"end_word":1077,"sentiment":"positive","sentiment_score":0.33348900079727173},{"text":"What it Yes. means from insurances is that we can look at removing your smokers range, which will see the policy being a lot cheaper. So, basically, what the insurers do is they play something that's called a loading on an insurance policy if you are a smoker. So Yep. because they are well, there's a higher risk of of something, Yep. they increase your premium a little bit. Yep. But when you have been when it's been more than twelve months since you had, like, a cigarette or vaping or nicotine, tablets, chewing gum, anything like that, they are happy to review getting those purchase rates off. No. That'd be great. Yeah. So what I will do after the call is I will get the team notified, and then they can send you out a little document to complete. Basically, just declaring and confirming that you have stopped smoking, Mhmm. and then Yep. we can send that off through MLC for your insurances and look to get those reduced, which we'll often see it reduced by quite a bit, which which is fantastic.","start_word":1078,"end_word":1261,"sentiment":"neutral","sentiment_score":0.1229925975203514},{"text":"So great job.","start_word":1262,"end_word":1264,"sentiment":"positive","sentiment_score":0.6335534453392029},{"text":"Yep.","start_word":1265,"end_word":1265,"sentiment":"neutral","sentiment_score":0.2838422656059265},{"text":"You're good. Thank you.","start_word":1266,"end_word":1269,"sentiment":"positive","sentiment_score":0.4154994487762451},{"text":"No worries. Otherwise, any changes to your health otherwise? None. Oh, it's still pretty No. fit. Oh, great. Touchwood. Yeah. And estate planning wise, do you guys have a will in place at all? No. I don't at the moment, but No. I would like Not the to. will. They're kind of on the to do list. How about so sorry? On the to do list? Yeah. Definitely. Mhmm. Yep. Do you know somewhere or someone that you can speak through to get it sorted, or would you like Yeah. us yeah. Okay.","start_word":1270,"end_word":1362,"sentiment":"neutral","sentiment_score":-0.028829911903988932},{"text":"Perfect.","start_word":1363,"end_word":1363,"sentiment":"positive","sentiment_score":0.3875425159931183},{"text":"Yeah. Now, otherwise, you don't have anyone who makes any financial decisions on your behalf or a power of attorney in place or anything like that? No. No. I Great. think I've lost insurance there. Yes. So for your insurances and hub twenty four for your super funds, We don't currently have a valid nomination on file for that. So do you remember a valid nomination so you have made Oh, yeah. a decision of who you want to give it to Yep. if something were to happen? Okay. Do you remember receiving those documents in Yeah. the I'd post I by do. any chance? You do? I do. Sorry. Do you no. Would That's I be all able to good. get them emailed to me again? Yeah. Of course. Do you have access to a printer? Yes. I do. Yeah. Okay.","start_word":1364,"end_word":1505,"sentiment":"neutral","sentiment_score":-0.032722532749176025},{"text":"Perfect.","start_word":1506,"end_word":1506,"sentiment":"positive","sentiment_score":0.3820514678955078},{"text":"What I'll do is I will get the team to email them through you. That way, it's in Mhmm. your inbox as well. If you ever lose them, have a look through them. If you have any issues or question completing them, just just let me know. Yep. But, Okay. otherwise, I will get that emailed to you just so that if something ever were to happen, we wanna make sure, obviously, we have everything in place that you will then go to whoever you wanna allocate it to. Mhmm. Mhmm. Yeah. No.","start_word":1507,"end_word":1599,"sentiment":"neutral","sentiment_score":0.13618764281272888},{"text":"Beautiful. Thank you.","start_word":1600,"end_word":1602,"sentiment":"positive","sentiment_score":0.5063661932945251},{"text":"Yep.","start_word":1603,"end_word":1603,"sentiment":"neutral","sentiment_score":0.31648027896881104},{"text":"Perfect.","start_word":1604,"end_word":1604,"sentiment":"positive","sentiment_score":0.3702678978443146},{"text":"Otherwise, when it comes to, I guess, goals or stuff that you are working towards or that you are wanting to achieve, during under review is often a good time to kind of check-in to see, okay. What was the goal last time? How did we go? Is that still the plan, or has anything kind of changed? So I'm not last because time I have yeah. When you spoke so when you spoke to my KA colleague, Dana, you had here that kind of in the medium terms in the next couple of years was through a look at buying a property, like an Yeah. investment property in the city. Mhmm. Is that still kind of something you are working towards? Yeah. Yep. Okay.","start_word":1605,"end_word":1729,"sentiment":"neutral","sentiment_score":0.07660773465037346},{"text":"Perfect. Yeah. It is now.","start_word":1730,"end_word":1734,"sentiment":"positive","sentiment_score":0.4301263689994812},{"text":"Yep. And have you started looking, I'm or is it just kind of in a, like, a couple of years? I'm only about a half by day. Yeah. So probably another Okay. Yeah. Well, if year, it is that when you are ready to have a look I at it or if you wanna know, you know, borrowing capacity reckon. or anything like that, just let Mhmm. us know because we do work closely with a couple of different brokers Okay. that can give Yep. you a bit of an assessment to be like, okay. Well, this type of property would cost roughly this much, and this is how much you can borrow and stuff, which is Yep. sometimes a good little check-in to say where you are at and how much you might need to achieve Yeah. No. that. Definitely. Yeah. No. I will Yeah. do. I will have a look at it definitely. Yeah. Is there anything else that you are working towards aside from the the property otherwise there, Travis? Was that your main focus? Just building up my super, really. And Yep. Focus on growing. And at the moment, you are not making any additional contributions. It's just that from your employer. Right? mhmm. No. Just the my employee Yeah. one. Yep.","start_word":1735,"end_word":1950,"sentiment":"neutral","sentiment_score":0.06863033026456833},{"text":"Perfect.","start_word":1951,"end_word":1951,"sentiment":"positive","sentiment_score":0.358059287071228},{"text":"Well, talking about your superannuation, what I will go through next is just a bit of an updated risk profile questionnaire with you just to see if there is anything that has changed. If we need to make any changes to your risk profile in your super, so how your money is invested. Now some of it can be a little bit tricky because it's kind of all hypothetical about how you would feel in certain situations, Yep. Yep. and there's no right or wrong answer. It's just so whatever you feel is the most appropriate for you. Does that make I sense? got it.","start_word":1952,"end_word":2056,"sentiment":"neutral","sentiment_score":0.028250006701619857},{"text":"Yep. And it's all multiple choice as well, so it makes it nice and easy.","start_word":2057,"end_word":2071,"sentiment":"positive","sentiment_score":0.5811558961868286},{"text":"Yep. Yep. But, Travis, have you ever bought direct shares yourself on the stock market? No. Nope. And time frames to retirement. Do you know roughly, ideally, when you think you would like to retire and start accessing your superannuation? Tomorrow. Tomorrow? So, well, the Bit earliest bit too you early. can access super well, you can retire. You just can't get super yet. But the earliest with the current legislation if you stop working is at 60. So I can just put down ideally 60, obviously, trying to get you to your goals by Yeah. then. 60 And if to 60 you do five yeah. Okay.","start_word":2072,"end_word":2178,"sentiment":"neutral","sentiment_score":0.02334512397646904},{"text":"would Perfect. be nice. Yep. Perfect.","start_word":2179,"end_word":2184,"sentiment":"positive","sentiment_score":0.4674822688102722},{"text":"And I guess when it comes through how much risk you're willing to take for your superannuation. So would you say that you are willing to accept very high risk, high mod moderate, or a small amount of risk for your superannuation in order to make sure that continues to grow, but also that you are comfortable with the short term fluctuation. Probably back in the middle way. In the middle about moderate? Yeah. Yep. Okay. Don't I mind if it's gonna pay off. You know? Calculated risk. yes. Yes.","start_word":2185,"end_word":2274,"sentiment":"neutral","sentiment_score":0.08407604694366455},{"text":"Perfect.","start_word":2275,"end_word":2275,"sentiment":"positive","sentiment_score":0.398377925157547},{"text":"And when it comes to fluctuations or volatility in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So it's not like one particular investment that's gone bad, just the market as a whole that has seen a bit of a drop. Yes. Now would would you yeah? Would you, if you had the option to do so, think that now is a good time to put more money in while the prices are down, or would you kind of be a bit neutral, just kind of hold on right to see what happens, Or would you want to shift to a more secure asset, so that means you are then selling prices have dropped? Yeah. No. I'd I'd wanna sorta just discuss it with me, my next Yep. adviser there, you know, Yeah. and just Good say answer. k. So I wouldn't be I wouldn't be against it all all all for I Yep. just well, it wouldn't Okay. be one of those going on. But, yeah, Yes. probably would Perfect. if I Yeah. was in Okay. position.","start_word":2276,"end_word":2479,"sentiment":"neutral","sentiment_score":-0.04574803230078781},{"text":"Perfect.","start_word":2480,"end_word":2480,"sentiment":"positive","sentiment_score":0.5134970545768738},{"text":"So if the if the opportunity was good good for it and there was no underlying, I guess, reason why it happened through that particular investment and it was a good investment opportunity, potentially invest a little bit more, but, obviously, depending on market trends and risk and everything like that. Yep. Yep. Okay.","start_word":2481,"end_word":2534,"sentiment":"neutral","sentiment_score":0.29880160093307495},{"text":"Perfect.","start_word":2535,"end_word":2535,"sentiment":"positive","sentiment_score":0.46133291721343994},{"text":"Now when it comes to fluctuations again so any fluctuations to any investment. So for example, superannuation or any other investment, when they fall in value, would you say that you feel optimistic optimistic about potential future investment opportunity, a bit more kind of neutral, not making further investment, concerned, or highly anxious? I don't really understand the question. Sorry. No. That's okay. So the question is in regards to any assets fluctuating. So let's say, for example, superannuation. If Yep. superannuation ever fell in value so say you looked at it one day and then the the next week or month, it was down. Okay.","start_word":2536,"end_word":2641,"sentiment":"neutral","sentiment_score":-0.007495187688618898},{"text":"Would you feel positive about it because you are like, okay. Well, now there are potential investment opportunities that I can take advantage of.","start_word":2642,"end_word":2665,"sentiment":"positive","sentiment_score":0.3497207760810852},{"text":"Would you be Yep. a bit more kind of neutral, understand, well, that is just the nature of the market that sometimes it will fluctuate depending on what's going on, that you wouldn't kind of react. You would just let it be, Yep. or you would be quite concerned or anxious about it. No. I'd be looking at it and trying to buy, you know, as long Yep. as you're buying Yes. the right one, the 200 low. Yeah. Even Yep. though you might Okay. lost a bit. Yeah.","start_word":2666,"end_word":2754,"sentiment":"neutral","sentiment_score":0.0005261548114626595},{"text":"Okay. Fantastic.","start_word":2755,"end_word":2756,"sentiment":"positive","sentiment_score":0.4971277415752411},{"text":"And the last question here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds personally? Yeah. Probably. Maybe? Yep. Okay. Yeah. Yeah. It it means financial adviser Well, if sort of like pitched yeah. it. Yeah. So yeah. Well I open split if it's still an option. yeah. Now that tells me here that you have come out as a high growth investor, which is Yep. the portfolio that we currently have you invested in.","start_word":2757,"end_word":2843,"sentiment":"neutral","sentiment_score":0.13643711805343628},{"text":"So they do align, which is good.","start_word":2844,"end_word":2850,"sentiment":"positive","sentiment_score":0.4463964998722077},{"text":"Do you Yep. remember And what it means to be a high growth investor at all there, Trevor? oh, no. You'd have to let me know again. Yeah. Well, basically, it tells me that you are looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you can access it. But Yep. at the same time that you are prepared and understand that there will be some fluctuations in the short term because Yep. of it. Now, Yep. typically speaking, when we are also then talking about an asset allocation to how your money is actually invested, we see Mhmm. about 90% invested Yep. in what we would call your growth assets. Now this will be things like Australian Mhmm. shares, international shares, up property as well, and that is what's going to kind of give you that growth for your super. But then Yep. we also have about 10% in your defensive investment. So that will be Mhmm. things like cash, fixed interest, gold a little bit as well. So try not to Yep. limit the fluctuations a little bit, but the main focus is to kinda grow your super as much as possible. Now Mhmm. when we're also then making sure you have enough time in the market for those short term fluctuations, In a high growth portfolio, typically, we would like to see about eight years or so until retirement. So from Mhmm.","start_word":2851,"end_word":3098,"sentiment":"neutral","sentiment_score":0.09792961534713546},{"text":"a time frame point of view, you you have that behind you, which is great. As long Yep. as you are still kind of feeling comfortable with with that high high growth portfolio.","start_word":3099,"end_word":3131,"sentiment":"positive","sentiment_score":0.4018028378486634},{"text":"Yep. Yep.","start_word":3132,"end_word":3133,"sentiment":"neutral","sentiment_score":0.20758485794067383},{"text":"Okay. Fantastic.","start_word":3134,"end_word":3135,"sentiment":"positive","sentiment_score":0.5961835980415344},{"text":"And now last thing here is just to go through a couple of documents and show you kind of what's happened to your super and where everything is at. Do Yep. you have access to your emails at the moment? Yes. I do. Yes. Okay.","start_word":3136,"end_word":3180,"sentiment":"neutral","sentiment_score":0.2257843166589737},{"text":"Fantastic.","start_word":3181,"end_word":3181,"sentiment":"positive","sentiment_score":0.5119510293006897},{"text":"But what I have done is I have just sent you an email with some documents to run through. If Yep. you can access that for me, it just makes it a little bit easier for you as I kind Yep. of run through these documents. So let me know if you can access that. Okay? Yep. I've accessed it now. Okay. It says Perfect. it's on document. Yep. So when you press sign documents, it will allow you to open up everything and look at it before it prompts you to sign just to make sure you are happy with everything. So Yeah. Yep. Yep. Now the first document, I believe, should be your super and insurance summary. Can you see that? It's a chart. Okay. So we'll start that way to make it easier for you. Is that the Vanguard index chart? Yeah. Yep. Yep. Yes. Now this one here, it is a good visual representation of what we are talking about when we are talking about the market. Now it Yep. kind of shows have you ever seen something like this before? Yeah. Yeah. Okay. Perfect. Basically, Vanguard does release one every year, which is great. So they should have a new one coming out shortly, but it just basically shows those up and down of the market throughout time. Basically Yep. tells us that over the long term, market always goes up. Short term, there will be some ups and downs and market fluctuations, and it breaks down the different asset classes. So kind Yep. of referring back to that high growth portfolio, those growth investments are your top four. So you can see The US shares, which is, like, your light green, Australian shares, which is, like, your dark green, international Yep. shares is, like, your yellow, and then property, which is, like, your maroon color. So those are kind of the ones you can see that grow the most, but they also fluctuate. Yep. Yeah. And then defensive is, like, those bottom three. Does that make sense? Yep. Yeah. Okay.","start_word":3182,"end_word":3527,"sentiment":"neutral","sentiment_score":0.11966720720849974},{"text":"Perfect.","start_word":3528,"end_word":3528,"sentiment":"positive","sentiment_score":0.36743995547294617},{"text":"Now what is the next one that you can see? Next one. Yeah. Next document is the performance with Okay. Perfect. So this one here gives you a breakdown of your portfolio. So it shows you kind of what has happened in the last now let me have a look here for you. So this one here now I will get the team through let me check. On the date at the top, can you see what date range does it say? Can you see This that? is from the fourth or the fourth two thousand and twenty six to the third of the seventh two thousand and twenty six. Yep.","start_word":3529,"end_word":3639,"sentiment":"neutral","sentiment_score":0.08832614868879318},{"text":"Beautiful.","start_word":3640,"end_word":3640,"sentiment":"positive","sentiment_score":0.5507454872131348},{"text":"So it does give us a pretty good breakdown of what has happened during that time, which obviously is not a a super long time, but it's still Yep. a good time to see what's happened in the market. Because, obviously, recently, which I'm sure you have heard on the news or seen on the TV, there's obviously been a bit going on in the world and the market with everything Yes. with the Yeah. war that's going on. Yeah. Yeah. Yeah. Yeah. Yeah. So Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. obviously, Yeah. Definitely. I have seen a, yeah, a bit of fluctuation to the market. Now the good thing is that despite that, especially being in a high growth portfolio, you you would potentially see, you know, a little bit more fluctuations because of it. Yep. Because of that still, though, you can see that your portfolio over that period of time so if you scroll down to page two out of two for me, you should say total portfolio. So it's yeah. So It just says yeah. At the bottom there, total. Yeah. Yes.","start_word":3641,"end_word":3827,"sentiment":"neutral","sentiment_score":0.09571139972637044},{"text":"Yeah. Perfect.","start_word":3828,"end_word":3829,"sentiment":"positive","sentiment_score":0.4844306409358978},{"text":"So you can basically see if you look at the second column to the right, it should say internal rate of return. Infill Can you what's see that? that? Internal rate of return is, like, the second column to the right, and it says 8.37%. Let me see. Can you see that? No. It's okay. Could be a little bit small. Oh, yeah. Yeah. If I'm in the Yep. internal rate of return. Yep. Correct. Yes. So this one here tells us that between the the April 4 and the June 3, and this is after fees as well. So after all fees, the portfolio Mhmm.","start_word":3830,"end_word":3935,"sentiment":"neutral","sentiment_score":0.061556678265333176},{"text":"has gone up by 8.37, which is actually really good given what has happened in the market, and that is after fees. So we're It's quite going happy up.","start_word":3936,"end_word":3964,"sentiment":"positive","sentiment_score":0.4331668019294739},{"text":"What's with that? that How how much did eight did you say? 8.37% during that time. Oh, yes. Yep. So where's that figure? So that is under the internal rate of return column. It should say 8.37%. Mine says 4.71. Is that for the first line? Yeah. So you are looking at the in that one individual investment. Yeah. If you can scroll down to the the second page of that document for me, Okay. Yep. Yep. Can you Yep. see In now total oh, yep. portfolio? Yep. Yeah. I Yes. point through. Yes. Yep. So this just Gotcha. shows you the portfolio as a whole.","start_word":3965,"end_word":4070,"sentiment":"neutral","sentiment_score":0.06100825220346451},{"text":"So all Yep. of the investments, which is good. And it shows us the growth in the period and everything, which, again, is really good given that time period.","start_word":4071,"end_word":4099,"sentiment":"positive","sentiment_score":0.5098528861999512},{"text":"That even shows us that from the the April 4, the starting balance was at 77,136. Yep. And, on the July 3, it was up through 85,474. So Yep.","start_word":4100,"end_word":4128,"sentiment":"neutral","sentiment_score":0.2289966344833374},{"text":"quite happy That's with that level of growth.","start_word":4129,"end_word":4136,"sentiment":"positive","sentiment_score":0.44107168912887573},{"text":"Yeah. yeah. Yeah. No. Now That's that's it. That's the problem. that's yeah.","start_word":4137,"end_word":4149,"sentiment":"neutral","sentiment_score":-0.04399338737130165},{"text":"Perfect.","start_word":4150,"end_word":4150,"sentiment":"positive","sentiment_score":0.39924395084381104},{"text":"Now if you scroll back up for me Yeah. to where you were before and you said that 4.71, this Yep. one here, you will see that there are a couple of different lines. So you will see you see Bandalong, and then you have BankHabits. Like, it's that's basically all your individual investments. So the Yep. figure I just went through, that's, like, everything as a total to show you, but Yep. this one here breaks down each individual investment in detail. So Mhmm.","start_word":4151,"end_word":4235,"sentiment":"neutral","sentiment_score":0.07028144598007202},{"text":"you can even see that despite the fluctuations, most of your investments have done pretty good.","start_word":4236,"end_word":4251,"sentiment":"positive","sentiment_score":0.4950793385505676},{"text":"Yep. Usually, with your more, like, defensive, there's obviously gonna be periods of time where some perform better than other depending on what is going on in the market. Yep.","start_word":4252,"end_word":4281,"sentiment":"neutral","sentiment_score":0.16051380336284635},{"text":"But overall, we are quite happy with these investments.","start_word":4282,"end_word":4290,"sentiment":"positive","sentiment_score":0.6014319658279419},{"text":"Now there is one investment that I would like to look at changing for you if you are happy with that, and Mhmm. that Yep. is that one that you pointed out that says 4.71. And that is your Benelung Australian equity Okay. investment. Now Yep. the reason being is that with your investments, even though we are investing for the long term for your retirement, we also want to be proactive with your investment. So if there is Yep. an investment that we foresee, you know, might not be the best option moving forward, because things are always changing even last year from from when you came on board to now that there's obviously a lot of that change. So we wanna be proactive with your investment. And if there is one that we foresee not being potentially the best option moving forward or underperforming a little bit to our expectations, then we wanna look at changing it. Yes. So what the investment committee has done is they've done a lot of research on the Bennelong investment, and it is kind of underperforming a little bit through kind of our expectations. They've been a little bit slower with making investment decisions themselves. So we've tried to look for a a good alternative option. Now the Benelon Australian equity invest in Australian investments. So we wanna look for an alternative option that also focus on the Australian investment because we wanna make sure that if we take one Australian, we still give you that good diversification. We don't want, like, everything in The US or around the globe. We wanna make sure we keep it diversified. Yep. Yep. So the one that we have found is a very good option to swap it for. It's called a beta shares a 200. Basically, what it is, it invests in the 200 largest companies listed in Australia. So as a company gets bigger and grows, it gets added to the top 200.","start_word":4291,"end_word":4620,"sentiment":"neutral","sentiment_score":0.033241344852881},{"text":"So you have all your your big banks and Woolworths and BHP and stuff, all the big kind of well known companies in Australia, so very diversified option for you.","start_word":4621,"end_word":4650,"sentiment":"positive","sentiment_score":0.35943475365638733},{"text":"But because it kind of invests in those 200 largest, it's not gonna have the same kind of fluctuation as Venilon where they are more focused on buying Okay. and selling quickly to try to outperform the market. Yep. And we've also found that the the beta is a 200. It is a little bit cheaper because of it to kind of track that index, and it Mhmm. has performed a little bit better. So if that is something that you are comfortable with, we will Yep. look to change that investment if if you are okay with that, brother. Yeah. Yep. Yeah.","start_word":4651,"end_word":4753,"sentiment":"neutral","sentiment_score":0.1941180974245071},{"text":"That'd Beautiful. be fine.","start_word":4754,"end_word":4757,"sentiment":"positive","sentiment_score":0.3805180490016937},{"text":"Yep. Now what I will do just for your reference is that I will send something that's called a record of advice. Now you don't have to sign it. It is Mhmm. just for your record. So that will be emailed through to you probably in the next couple of days, and Yes. it will come directly from me. And that's just to say that we have done that one investment change for you. Okay? Yep. But you don't have Alright. to sign it. It's just for your reference. Okay.","start_word":4758,"end_word":4847,"sentiment":"neutral","sentiment_score":0.17281946539878845},{"text":"Thank you.","start_word":4848,"end_word":4849,"sentiment":"positive","sentiment_score":0.4383701682090759},{"text":"Now any questions so far? That kind of makes sense. No.","start_word":4850,"end_word":4860,"sentiment":"neutral","sentiment_score":0.11439651250839232},{"text":"That that sounds pretty good. Yeah. Perfect.","start_word":4861,"end_word":4867,"sentiment":"positive","sentiment_score":0.7572614550590515},{"text":"Now what is the next document that you can see in the in the folder there? Okay. Next document is the MLC life insurance policy. Yes. So this one here breaks down your insurance policy with. So you can see that you do have two policies. So you have Yep. your life insurance, and that is valued at so if something were to happen, it'll be paid out 3,004 sorry. 345,950. Yep. That's exactly the same as total and permanently disability cover if something were to happen. Mhmm. Now you can see at the top here, it says yearly premium. Yep. Yep. So currently, that is 2,791 for both of them, but Mhmm. you can see here that they have smoker status on it. So like I said earlier, Yep. I will get the team to send you out some documents to look at removing that, which we'll see Yep. a nice little decrease in those premiums, which will obviously see less money coming out of your superannuation Yep.","start_word":4868,"end_word":5036,"sentiment":"neutral","sentiment_score":0.06646235287189484},{"text":"and more money being invested, which will be great.","start_word":5037,"end_word":5045,"sentiment":"positive","sentiment_score":0.3969058692455292},{"text":"Yep. That's Yep. right. Save menu around save menu on Tiggy, Yes. save menu on two. Exactly. Do you have any questions or want any changes to any insurances? Are you kind of happy with that level of cover? Yeah. That's fine. I just Yep. need to actually get someone sort of stipulated on there. So Yes. who's Exactly. going to speak? Nominated. Yes. Correct. Yes. We wanna make sure we get that sorted for you. Now next document, Travis, which one is that? Yep. That's the I agree summary superannuation and insurance. Yes. So that one here, it basically summarizes kind of what we touched on just now. It shows you your superannuation with hub twenty four. It shows Yep. your approximate balance at that 85,474, and then it shows you your MLC insurance that's like we just touched on as well. Just kind of summarize everything to make it a bit easier. Yep. Yep. Now what is the next one? It's just a IP service card.","start_word":5046,"end_word":5213,"sentiment":"neutral","sentiment_score":0.0936636384576559},{"text":"Yes. Perfect.","start_word":5214,"end_word":5215,"sentiment":"positive","sentiment_score":0.4913582801818848},{"text":"Now you probably have seen this before. It is one of those compliance documents, but it does give you all the important information Mhmm. regarding us here at Oakview. So Yep.","start_word":5216,"end_word":5246,"sentiment":"neutral","sentiment_score":0.185570165514946},{"text":"none of the important information has changed, but we've had a bit of an extension to the team, which is great.","start_word":5247,"end_word":5267,"sentiment":"positive","sentiment_score":0.3879493772983551},{"text":"Yep. But then also a bit of an updated marketing. So I'll let you have a read over this in your own time so I don't keep you for too long. But if you would like to scroll Yep. down to page 10, you will actually see a photo of myself, and sometimes it's nice to put a face to the voice. Yep. Yep.","start_word":5268,"end_word":5331,"sentiment":"neutral","sentiment_score":0.10926786065101624},{"text":"Perfect.","start_word":5332,"end_word":5332,"sentiment":"positive","sentiment_score":0.4576624631881714},{"text":"Alright. And you can see me next to Dana, who I believe you spoke to last time as well. Yes. Yep.","start_word":5333,"end_word":5353,"sentiment":"neutral","sentiment_score":0.1559121161699295},{"text":"Perfect.","start_word":5354,"end_word":5354,"sentiment":"positive","sentiment_score":0.3678825795650482},{"text":"Now if you can click on the next one for me. Yeah. It's the consent to new ongoing fee arrangement. Yep. So that one here, if you are happy to do so, we'll ask for your signature. Now what Yep. this is is just your ongoing service agreement. That basically is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. Yep. Yep. Because Jaylene is a client as well, you guys are both on that reduced couple fee, which is great, but that is reduced for you down to 1.1%. That's exactly the same. No changes, and it's Yep. not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, by signing this, it just allows us to manage all your investments and insurances and everything else for you in the meantime. Does that Yep. make Yep. sense? Yep. Better as Yep. well.","start_word":5355,"end_word":5527,"sentiment":"neutral","sentiment_score":0.16087086498737335},{"text":"Perfect.","start_word":5528,"end_word":5528,"sentiment":"positive","sentiment_score":0.3742395043373108},{"text":"So, yeah, we'll just ask you for a little signature there if you're happy to do Yep. so. Is And then that that this is that per is that per month, is it, or per oh, per year. per So year? That's the right. the so, yeah, the total fee, it says estimated will be $904.40 per Yep. year. But that is deducted for you on a monthly basis. So it's basically divided by 12, and it comes out on a monthly basis, but it just makes it a bit more fair to you with, like, market fluctuations. So it's not like Yep. one big lump sum that comes out. It's just divided and split. It comes out monthly for you. Yep. Yep. Does that make sense? Yep. That's all Yep. done. Yep.","start_word":5529,"end_word":5661,"sentiment":"neutral","sentiment_score":0.09024666994810104},{"text":"Perfect.","start_word":5662,"end_word":5662,"sentiment":"positive","sentiment_score":0.5659423470497131},{"text":"So I'll push on the date. Yep. The date. I have to date it. Yeah. Sometimes it adds it automatically. Yeah. It's a I think it's done. Yep. I'll just push Yep. next. Yes. That's Is that signed, is it? validate? On my end, I've clicked next after I signed it and data it. Yep. And it says option to provide tax file number. Yes.","start_word":5663,"end_word":5727,"sentiment":"neutral","sentiment_score":0.14570686221122742},{"text":"Perfect. So this is another compliance form.","start_word":5728,"end_word":5734,"sentiment":"positive","sentiment_score":0.39180853962898254},{"text":"And, again, it will ask for your signature at the bottom. Oh, yep. Basically, what this is is just to say that we are keeping your tax phone number secure and safe on file. Okay. And And then then yep. Once you've added the signature validate. and date yes. Perfect. So when you press validate Yeah. Sometimes it takes a little while to load, and then it will send it back to me. Mhmm. Yeah. It's just loading. Yep. Now everything will be saved in your folder there for you. So if you ever go back and wanna have a look at these documents again, it is all Yep. for there there for you to access. If for some reason you can't access it, just let me know because we always have a copy on that file that I can send to you. Yep. Otherwise, following the the conversation today, I will get the team to email you the hub twenty four and your insurance beneficiary form so you can make that Yep. nomination and get that sorted. I will also let the team know in regards to that smokers rate removal. And then, Yep. also, just keep a lookout on that ROA from myself in the next couple of days just to say that we'll do that one investment switch for you.","start_word":5735,"end_word":5957,"sentiment":"neutral","sentiment_score":0.16977515776595728},{"text":"Okay. Perfect. Do you have any other questions for me otherwise before I let you go and enjoy the rest of your afternoon?","start_word":5958,"end_word":5980,"sentiment":"positive","sentiment_score":0.40921616554260254},{"text":"No. That's fine. No?","start_word":5981,"end_word":5984,"sentiment":"neutral","sentiment_score":0.014153626747429373},{"text":"Thank you.","start_word":5985,"end_word":5986,"sentiment":"positive","sentiment_score":0.5249848365783691},{"text":"Yep.","start_word":5987,"end_word":5987,"sentiment":"neutral","sentiment_score":0.3066800832748413},{"text":"Perfect. If you do think of anything, just let us know, and we are more than happy to book you in for a catch up or send me an email as well.","start_word":5988,"end_word":6019,"sentiment":"positive","sentiment_score":0.46155333518981934},{"text":"Not right at all. Yeah.","start_word":6020,"end_word":6024,"sentiment":"neutral","sentiment_score":-0.18343417346477509},{"text":"No worries. Well, it was lovely speaking with you, Travis, and I hope you enjoy the rest of your afternoon. Thank you. Okay.","start_word":6025,"end_word":6047,"sentiment":"positive","sentiment_score":0.7147077322006226},{"text":"No worries. Bye.","start_word":6048,"end_word":6050,"sentiment":"neutral","sentiment_score":0.24293074011802673}],"average":{"sentiment":"neutral","sentiment_score":0.10056083479856368}}}}