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Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy? Oh, that's good. Now, Matthew, I did have you booked in for a bit of a quarterly review, and then I believe as well that you had some potential advice questions and stuff that you want to address today as well. Yeah. So if we start with, I guess, like, your questions and what it is that you want to focus on today, and then we can always work through the other stuff. Yeah. Now do you know how much you're getting and when? Okay. Okay. Perfect. Yep. Now there are a lot of different things, obviously, you can do depending on what your goals are and what you are trying to achieve. So, typically, it's more so what what your goals are, and then we would work from there with potential different strategies in trying to achieve that. So I can see here that, obviously, when we have spoken to you before so during, I think, there was the last annual review you had with my colleague, Dana, there is a note that your focus was to tryna save up to buy a property. Is that still a goal for you? Yep. Yep. So kind of using a portion for property. Do you know what kind of properties you're looking at? Like, how much they'd be worth? Yep. Okay. Yep. Just say kind of so using, obviously, chunks. Do you have any other, you know, savings and stuff like that that would be used through deposit as well, or would it mainly be okay. So obviously, using a portion for property. Now have you spoken to a mortgage broker or anything? Like, have you no. If you would like me to, I'd be happy to get one of our our mortgage brokers to give you a call. I would say that would kind of be the first step as well because it's a little bit hard to know, okay. Well, how much money do we have left over? What do we wanna invest with it? Until you kind of know at least the property side of, you know, how much excess cash. So Yeah. Yeah. Just ex Yeah. Yes. And that obviously changed exactly. And that changed as well because, obviously, like, time frame depends on, you know, the style of investment. And if it is for property, I'd be happy to send you if it is that you're looking for just, like, general savings for the time being until you know the property, I'm happy to send you just some general information on, you know, different savings account and stuff like that. I'm not a lender, so I can't give you any of that, but just some some general options. If not, the lender will be the best one to know as well in terms of, you know, high interest savings account and stuff like that. That's that's pretty good. Yeah. Okay. Yeah. Yes. And that's typically the best way if especially because we don't wanna lock it in if you are looking to buy a property in in exactly. Even, you know, term deposits. Exactly. Or anything like that. Like, you'd wanna have the flexibility. So, obviously, a high interest savings account is is a great option, and that's what a lot of people do until they figure out from the property side. Then when you do have a property, like, once you know how much you wanna borrow, once you know how much you need for the deposit and you know how much extra you have, then we can always be like, okay. Well, if that's 50 or 20 or however much you have left that you go, you know what? I'm happy to lock this in for a longer period, or my goal is to have, you know, diversified in different investment options and, you know, draw an income, like, whatever that might be. We can then work on different strategies for that. But I would say the first point would be at least just to get a bit of an idea from the mortgage broker, okay, with with your current situation, like you said as well with the single income, the properties you're looking at, what could you borrow, what kind of properties would that get you, and then we can always work from there. So are you happy for me to pass on your email and contact details to the lender to give you a bit of a call just to have a general catch up? Perfect. And when is a a best time for you typically? Okay. So after five, kind of Monday to Thursday, Monday to Friday. Yep. Perfect. I will send a bit of an introduction email as well so that you have their contact details as well. But they typically give you a bit of a call first and just run through some different scenarios that you can work on all the figures and stuff like that. And then that's a good starting point for you as well to see where how much you actually could borrow and, you know, if you need to save a bit more or whether you can use just a portion of that and kind of take it from there. And then once you have kind of sorted that out, obviously, let me know and keep me up to date, and then we can work on, okay. Well, how much extra do we have, and what do we now wanna do with that? Yeah. Perfect. Now aside from from that, which is obviously exciting for you as well, a couple of other financial goals there for you, Is there any other areas or or stuff you want me to focus on or just a bit of an update on, you know, your account and what's happened in the last couple of months? Yep. Yep. Okay. Perfect. Now I know that you did a bit of a a big advice strategy with my colleague, Dana, again about a year ago, which is great. That's obviously all sorted and finalized for you. And your superannuation in Hub 24 at the moment, so right now, it's at 103,886. Do you keep an eye on your superannuation a lot? Do you have the app on the phone? Yeah. There's obviously been there's been a lot of fluctuations in the market recently with, obviously, everything going on in the world. And with your investments as well. Now after this call, it it's up to you. So if you would like, we can kind of bring forward the annual review a little bit and do a bit more comprehensive today because I would like to kind of go into the investments in a bit more detail and potentially look at swapping one option out for you. So what I can do after the call is I can get the team as well just to send you, like, the general annual review documents just for your review. And then the documents that need signing, I'll just include that in the research paper, a bit later so we can do it all at one go. Yep. So, basically, if we look at your investments, obviously, in hub twenty four, like I said, we have seen a bit of fluctuations in the market. Some of it is more like you stick with all trends and different options that's that's going on. But there is one particular investment that I do wanna address a little bit more, which is your Benelon Australian equity. Now that one was obviously recommended last year for you. It was doing really well. And the purpose behind this particular investment is to give you the active management approach. So they are a managed fund, and how that work is that they work a little bit different in that they are trying to actively buy and sell different investments in order to try to outperform the market. So it's a little bit different through the the other investments, which are more your your passive index funds that we would call it. So, for example, one of them is iShares S and P five hundred, which essentially attracts their 500 largest companies listed in The US. So how that works is, obviously, if there is a company that gets bigger, it will get included in the investment. If that one that gets smaller, it kind of falls out. It kind of just tracks the biggest 500. Does that make sense? Yeah. So the concept is a little bit different between them. And like I said, Benelon was to try to outperform that. Now they have underperformed a little bit recently, so I would like to look at swapping that one out for you. One of the reasons that they have kind of underperformed is that one of their investments that they have in their portfolio is the corporate travel group. I'm not sure if you've heard on the news or seen or anything, but they had a bit of issues with their reporting, which actually caused them to suspend some trading. So, obviously, you saw a bit of fluctuations and the investment dropped because of it. Now we've done a lot of extensive research on the investment, and they can the the the fund itself has been a little slow in making changes. So what I would like to do is review that investment for you and see if we can make a couple of tweaks and changes to make sure that we improve the returns a little bit for you and make sure that we always have you in the best option possible. Yep. You're happy for me to do that? Yep. Perfect. Now with your portfolio as a whole as well, we do have you currently invested in a high growth portfolio. And I know that last year, you went over kind of that risk profile questionnaire where you kind of answered all the questions about fluctuations and tolerance to risk and stuff like that. And you did come out as a high growth investor. Do you remember what it means to be a high growth investor? Yeah. Kind of. So it is it is where you are comfortable seeing fluctuations and bit of ups and downs in the short term in order to try and get you higher returns in the long term. And what that typically means that in about one to five years so every one in five years, you will have a negative year in order to tryna then outperform it in the long term, and then the other years to tryna obviously grow that. So it is also factoring in from a time frame point of view, making sure that you do have enough time in the market for those fluctuations. And, typically, in a high growth portfolio, we want to allow minimum eight years until retirement, which you certainly have. So from a time frame point of view, it is in a very good position as long as you are still comfortable seeing a bit of fluctuations in the short term in order to try to grow that full retirement in the long term. Are you still happy with, like, your high growth? Yep. Perfect. And, typically, we see about, a 9010. So ninety percent in your growth investment, which will be your Australian shares, your international shares, property, and commodity, and then about 10% in defensive, which is, like, your cash, your fixed interest, and then gold kind of falls into both categories a little bit. Yep. Perfect. So I'll have a look into those investments a little bit and to see that for you. But while I am researching your superannuation, I did wanted to check if you have recently read our newsletter at all. No. No. That's okay. So, essentially, we recently have partnered up with BlackRock, which you may have heard of. No. They are one of the biggest fund managers, and we have partnered up with them to create something that's called an SMA. Have you ever heard of that before? No. So an SMA, it is a self managed account. It is a little bit different to how your investments are currently structured in Hub twenty four. So the biggest kind of difference is, at the moment, with your investments, if you log in to your Hub twenty four, you will see each and every single one of those investments. And if we want to go and make a change to one of them, like now, for example, with Benelon, I will go and do all the research for you. I will then put together a proposal in a statement of advice. I will run that through with you, and then you would have to agree to the change before we can swap anything out. So it is a bit of a lengthy, obviously, on on the process and the compliance point, but then that gives you the full control of deciding if you are happy with the change or not. How the estimate is a little bit different is that you invest in a portfolio. And then you you can still see when you log in to your account the different breakdowns of the different investments. It's a similar concept. But, otherwise, you kind of just see that you invested in a particular portfolio. So what that allows us to do is that we can very quickly make changes without having to go through that process of you approving it. So you'll still get notified of the change, but it will take away kind of, like, the paperwork and the kind of lengthy process because we can just quickly make a change to investments if we foresee it being so. And, obviously, partnering up with Blackhawk, we get access to all their expertise and softwares and everything like that as well. Is that a approach that you are comfortable with, or do you prefer how things are currently structured for you? No? Correct. It literally just means that we can very quickly like, if we foresee something changing and we're like, okay. Quickly, let's swap out this investment for something else before, let's say, it drops too much or or before anything changes, we can quickly do that in the back end. We'll send you the information of, you know, this is obviously changed and the reasons why, but we can quickly make the change. Otherwise, the way that it is now is that we can still obviously make the change, but the process takes a lot longer. And, obviously, because of that, sometimes there could be you know, obviously, it takes longer. They could fluctuate more in that time frame. So that is kind of the biggest benefit with the SMA is that we can kind of a bit more proactively do that change in the back end for you. A bit quicker. Yeah. Perfect. Now, obviously, everything that we do recommend still has to be in your best interest. It has to put you in a better position. So if I do the research and the the SMA portfolio, if it turns out to be not in a better position for you, then I will not recommend it. It's just making sure you are comfortable that with that approach if it turns out to be the best option for you. So I will review it as well as different portfolios and see, but it is a very good thing where we can very quickly make those changes. And, obviously, being partnered up with BlackRock, which is one of the the biggest fund managers, you can Google them as well. It does give us all that extra knowledge and research when it comes to the invest, which is great. So I will research this for you. I will put together a in a paper, run through it with you, and then you can let me know what you would like to do. Yep. Perfect. Otherwise, I do have here with your superannuation, your goal is to access super at the age of 60 and, ideally, an income of around $700 per week. Yeah. Perfect. Now with your insurances as well, so you do have a bit of that default insurance within Hub twenty four. You do have a 400,896 worth of life cover. You have 29,286 worth of total permanent disability insurance. And then you do have an income protection as well, and that will pay a monthly amount of 2,176. You do have a sixty day waiting period and a five year benefit period. The total premium for all three is about $35 a month. Yep. Perfect. You're still happy with those insurances and the way things are set up? Yep. Great. Perfect. Now the other thing I do want to just quickly run through for for you here is just a quick updated fact line just to see if there's anything else that has changed in your life that I need to factor in with the advice. Now I do have you here for personal details down at single with two financial dependents. Is that still the case? Okay. Perfect. Yep. So one financial dependent. And now I have here next of kin, Brendan. Yep. Perfect. And what's his relationship to you? Okay. Great. Perfect. It doesn't look like I have his phone number listed, though, in the event that we can't contact you. Do you know where that might be? Yeah. Eight one nine. Yep. 113. Okay. Perfect. Otherwise, when it comes to your employment, you're still working as a warehouse manager? Yep. Perfect. I have here income at about 76,000. 80. Perfect. Is it doing the same thing just for a different company? Okay. Perfect. And who's your new employer? What's the the name? Yep. Great. Perfect. Now with your new employee as well, do you know if they have a special enterprise bargain agreement or anything like that or just just standard? Yep. And they just pay that standard 12% contributions into super? Yep. Great. And you don't make any additional contributions. Otherwise, just that. No. Perfect. When it comes to assets at the moment, I have a motor vehicle right at about 50,000. Yeah. Do you have anything owing on that one? No. Perfect. Any other assets, motorbikes or boats or anything else? No. Any other liabilities, like personal loans, credit cards, ZipPay? Yep. Perfect. And do you know rough okay. Perfect. And did you say that you might use some of the inheritance to pay that off? Yep. That's great. Perfect. Any other loans or anything like that? No. Great. And you've never been declared bankrupt or been under a part nine debt agreement? Okay. That was cleared. Do you know yeah. Perfect. Do you know roughly when it was cleared at all? What year? Testing your memory. No. That's okay. Okay. Perfect. Yep. Yep. Great. Otherwise, health and lifestyle, I have you here as a smoker. What's that? Sorry? Yep. Any medications or changes to your health otherwise? No. Perfect. And do you have private health insurance? Yep. That's okay. Just and when it comes to estate planning, do you have a will in place? No. Yep. Perfect. On the to do list. Would you like us to send you a bit of pricing and referrals to a firm that we work closely with? Or yep. That way, at least you have the email details and then pricing as well. And if you find someone else, then, you know, at least it gives you a bit of a guide on on pricing and stuff. Yep. But you don't have anyone who makes any financial decisions on your behalf otherwise. Right? And are you politically exposed at all? Right. And you don't earn any income overseas? Not perfect. And I do have here all your superannuation. So in the event that something happened to you, I have a fifty fifty split for Cassidy and Indiana. That's still correct? Yep. Perfect. Now that was basically everything that I needed to confirm on my end. So like I said, I will go and do some research on those investments for you to see if we can swap a few things to improve the the returns and everything there for you, still keeping you in a high growth, and I will consider that SMA as well for you. Obviously, leaving assurances the way that they are, that's all doing well. I will get the mortgage broker to reach out as well to kind of at least start that process of seeing a borrowing capacity and everything like that. And then, obviously, keep me up to date with how everything is going. And then once you have finalized that, we can always do new advice, just focusing on, you know, personal investment or investment bonds or whatever it might be, that you would like to do with the remainder of the money as well. But is there anything else that you need from me or any other questions that you have before I let you go otherwise? No? That's it. Yeah. Okay. Perfect. Now I'll also get the team to send you that lawyer information. It will take me a couple of weeks to put all of this research together, but as soon as I do just wanna let you know so you don't think tomorrow. Perfect. As soon as I do, though, I'll give you a call and run through that with you, and then we can take it from there. And then you can always give me a bit of an update on, you know, the property and and what's happened as well. Yep. Yep. Perfect. Well, if you don't have any other questions, Matthew, I will let you go and enjoy your afternoon, and I look forward to speaking with you soon again. 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afternoon. Is this Matthew? This is Veronica from OCU Financial. How are you this afternoon? Good.\n\nThanks. I had you booked in for a bit of a catch up. Is now still a good time for you? Yep. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Yep. Perfect.\n\nThat's exactly what I have here. And how's your day been so far? Been busy? Oh, that's good. Now, Matthew, I did have you booked in for a bit of a quarterly review, and then I believe as well that you had some potential advice questions and stuff that you want to address today as well.\n\nYeah. So if we start with, I guess, like, your questions and what it is that you want to focus on today, and then we can always work through the other stuff. Yeah. Now do you know how much you're getting and when? Okay.\n\nOkay. Perfect. Yep. Now there are a lot of different things, obviously, you can do depending on what your goals are and what you are trying to achieve. So, typically, it's more so what what your goals are, and then we would work from there with potential different strategies in trying to achieve that.\n\nSo I can see here that, obviously, when we have spoken to you before so during, I think, there was the last annual review you had with my colleague, Dana, there is a note that your focus was to tryna save up to buy a property. Is that still a goal for you? Yep. Yep. So kind of using a portion for property.\n\nDo you know what kind of properties you're looking at? Like, how much they'd be worth? Yep. Okay. Yep.\n\nJust say kind of so using, obviously, chunks. Do you have any other, you know, savings and stuff like that that would be used through deposit as well, or would it mainly be okay. So obviously, using a portion for property. Now have you spoken to a mortgage broker or anything? Like, have you no.\n\nIf you would like me to, I'd be happy to get one of our our mortgage brokers to give you a call. I would say that would kind of be the first step as well because it's a little bit hard to know, okay. Well, how much money do we have left over? What do we wanna invest with it? Until you kind of know at least the property side of, you know, how much excess cash.\n\nSo Yeah. Yeah. Just ex Yeah. Yes. And that obviously changed exactly.\n\nAnd that changed as well because, obviously, like, time frame depends on, you know, the style of investment. And if it is for property, I'd be happy to send you if it is that you're looking for just, like, general savings for the time being until you know the property, I'm happy to send you just some general information on, you know, different savings account and stuff like that. I'm not a lender, so I can't give you any of that, but just some some general options. If not, the lender will be the best one to know as well in terms of, you know, high interest savings account and stuff like that. That's that's pretty good.\n\nYeah. Okay. Yeah. Yes. And that's typically the best way if especially because we don't wanna lock it in if you are looking to buy a property in in exactly.\n\nEven, you know, term deposits. Exactly. Or anything like that. Like, you'd wanna have the flexibility. So, obviously, a high interest savings account is is a great option, and that's what a lot of people do until they figure out from the property side.\n\nThen when you do have a property, like, once you know how much you wanna borrow, once you know how much you need for the deposit and you know how much extra you have, then we can always be like, okay. Well, if that's 50 or 20 or however much you have left that you go, you know what? I'm happy to lock this in for a longer period, or my goal is to have, you know, diversified in different investment options and, you know, draw an income, like, whatever that might be. We can then work on different strategies for that. But I would say the first point would be at least just to get a bit of an idea from the mortgage broker, okay, with with your current situation, like you said as well with the single income, the properties you're looking at, what could you borrow, what kind of properties would that get you, and then we can always work from there.\n\nSo are you happy for me to pass on your email and contact details to the lender to give you a bit of a call just to have a general catch up? Perfect. And when is a a best time for you typically? Okay. So after five, kind of Monday to Thursday, Monday to Friday.\n\nYep. Perfect. I will send a bit of an introduction email as well so that you have their contact details as well. But they typically give you a bit of a call first and just run through some different scenarios that you can work on all the figures and stuff like that. And then that's a good starting point for you as well to see where how much you actually could borrow and, you know, if you need to save a bit more or whether you can use just a portion of that and kind of take it from there.\n\nAnd then once you have kind of sorted that out, obviously, let me know and keep me up to date, and then we can work on, okay. Well, how much extra do we have, and what do we now wanna do with that? Yeah. Perfect. Now aside from from that, which is obviously exciting for you as well, a couple of other financial goals there for you, Is there any other areas or or stuff you want me to focus on or just a bit of an update on, you know, your account and what's happened in the last couple of months?\n\nYep. Yep. Okay. Perfect. Now I know that you did a bit of a a big advice strategy with my colleague, Dana, again about a year ago, which is great.\n\nThat's obviously all sorted and finalized for you. And your superannuation in Hub 24 at the moment, so right now, it's at 103,886. Do you keep an eye on your superannuation a lot? Do you have the app on the phone? Yeah.\n\nThere's obviously been there's been a lot of fluctuations in the market recently with, obviously, everything going on in the world. And with your investments as well. Now after this call, it it's up to you. So if you would like, we can kind of bring forward the annual review a little bit and do a bit more comprehensive today because I would like to kind of go into the investments in a bit more detail and potentially look at swapping one option out for you. So what I can do after the call is I can get the team as well just to send you, like, the general annual review documents just for your review.\n\nAnd then the documents that need signing, I'll just include that in the research paper, a bit later so we can do it all at one go. Yep. So, basically, if we look at your investments, obviously, in hub twenty four, like I said, we have seen a bit of fluctuations in the market. Some of it is more like you stick with all trends and different options that's that's going on. But there is one particular investment that I do wanna address a little bit more, which is your Benelon Australian equity.\n\nNow that one was obviously recommended last year for you. It was doing really well. And the purpose behind this particular investment is to give you the active management approach. So they are a managed fund, and how that work is that they work a little bit different in that they are trying to actively buy and sell different investments in order to try to outperform the market. So it's a little bit different through the the other investments, which are more your your passive index funds that we would call it.\n\nSo, for example, one of them is iShares S and P five hundred, which essentially attracts their 500 largest companies listed in The US. So how that works is, obviously, if there is a company that gets bigger, it will get included in the investment. If that one that gets smaller, it kind of falls out. It kind of just tracks the biggest 500. Does that make sense?\n\nYeah. So the concept is a little bit different between them. And like I said, Benelon was to try to outperform that. Now they have underperformed a little bit recently, so I would like to look at swapping that one out for you. One of the reasons that they have kind of underperformed is that one of their investments that they have in their portfolio is the corporate travel group.\n\nI'm not sure if you've heard on the news or seen or anything, but they had a bit of issues with their reporting, which actually caused them to suspend some trading. So, obviously, you saw a bit of fluctuations and the investment dropped because of it. Now we've done a lot of extensive research on the investment, and they can the the the fund itself has been a little slow in making changes. So what I would like to do is review that investment for you and see if we can make a couple of tweaks and changes to make sure that we improve the returns a little bit for you and make sure that we always have you in the best option possible. Yep.\n\nYou're happy for me to do that? Yep. Perfect. Now with your portfolio as a whole as well, we do have you currently invested in a high growth portfolio. And I know that last year, you went over kind of that risk profile questionnaire where you kind of answered all the questions about fluctuations and tolerance to risk and stuff like that.\n\nAnd you did come out as a high growth investor. Do you remember what it means to be a high growth investor? Yeah. Kind of. So it is it is where you are comfortable seeing fluctuations and bit of ups and downs in the short term in order to try and get you higher returns in the long term.\n\nAnd what that typically means that in about one to five years so every one in five years, you will have a negative year in order to tryna then outperform it in the long term, and then the other years to tryna obviously grow that. So it is also factoring in from a time frame point of view, making sure that you do have enough time in the market for those fluctuations. And, typically, in a high growth portfolio, we want to allow minimum eight years until retirement, which you certainly have. So from a time frame point of view, it is in a very good position as long as you are still comfortable seeing a bit of fluctuations in the short term in order to try to grow that full retirement in the long term. Are you still happy with, like, your high growth?\n\nYep. Perfect. And, typically, we see about, a 9010. So ninety percent in your growth investment, which will be your Australian shares, your international shares, property, and commodity, and then about 10% in defensive, which is, like, your cash, your fixed interest, and then gold kind of falls into both categories a little bit. Yep.\n\nPerfect. So I'll have a look into those investments a little bit and to see that for you. But while I am researching your superannuation, I did wanted to check if you have recently read our newsletter at all. No. No.\n\nThat's okay. So, essentially, we recently have partnered up with BlackRock, which you may have heard of. No. They are one of the biggest fund managers, and we have partnered up with them to create something that's called an SMA. Have you ever heard of that before?\n\nNo. So an SMA, it is a self managed account. It is a little bit different to how your investments are currently structured in Hub twenty four. So the biggest kind of difference is, at the moment, with your investments, if you log in to your Hub twenty four, you will see each and every single one of those investments. And if we want to go and make a change to one of them, like now, for example, with Benelon, I will go and do all the research for you.\n\nI will then put together a proposal in a statement of advice. I will run that through with you, and then you would have to agree to the change before we can swap anything out. So it is a bit of a lengthy, obviously, on on the process and the compliance point, but then that gives you the full control of deciding if you are happy with the change or not. How the estimate is a little bit different is that you invest in a portfolio. And then you you can still see when you log in to your account the different breakdowns of the different investments.\n\nIt's a similar concept. But, otherwise, you kind of just see that you invested in a particular portfolio. So what that allows us to do is that we can very quickly make changes without having to go through that process of you approving it. So you'll still get notified of the change, but it will take away kind of, like, the paperwork and the kind of lengthy process because we can just quickly make a change to investments if we foresee it being so. And, obviously, partnering up with Blackhawk, we get access to all their expertise and softwares and everything like that as well.\n\nIs that a approach that you are comfortable with, or do you prefer how things are currently structured for you? No? Correct. It literally just means that we can very quickly like, if we foresee something changing and we're like, okay. Quickly, let's swap out this investment for something else before, let's say, it drops too much or or before anything changes, we can quickly do that in the back end.\n\nWe'll send you the information of, you know, this is obviously changed and the reasons why, but we can quickly make the change. Otherwise, the way that it is now is that we can still obviously make the change, but the process takes a lot longer. And, obviously, because of that, sometimes there could be you know, obviously, it takes longer. They could fluctuate more in that time frame. So that is kind of the biggest benefit with the SMA is that we can kind of a bit more proactively do that change in the back end for you.\n\nA bit quicker. Yeah. Perfect. Now, obviously, everything that we do recommend still has to be in your best interest. It has to put you in a better position.\n\nSo if I do the research and the the SMA portfolio, if it turns out to be not in a better position for you, then I will not recommend it. It's just making sure you are comfortable that with that approach if it turns out to be the best option for you. So I will review it as well as different portfolios and see, but it is a very good thing where we can very quickly make those changes. And, obviously, being partnered up with BlackRock, which is one of the the biggest fund managers, you can Google them as well. It does give us all that extra knowledge and research when it comes to the invest, which is great.\n\nSo I will research this for you. I will put together a in a paper, run through it with you, and then you can let me know what you would like to do. Yep. Perfect. Otherwise, I do have here with your superannuation, your goal is to access super at the age of 60 and, ideally, an income of around $700 per week.\n\nYeah. Perfect. Now with your insurances as well, so you do have a bit of that default insurance within Hub twenty four. You do have a 400,896 worth of life cover. You have 29,286 worth of total permanent disability insurance.\n\nAnd then you do have an income protection as well, and that will pay a monthly amount of 2,176. You do have a sixty day waiting period and a five year benefit period. The total premium for all three is about $35 a month. Yep. Perfect.\n\nYou're still happy with those insurances and the way things are set up? Yep. Great. Perfect. Now the other thing I do want to just quickly run through for for you here is just a quick updated fact line just to see if there's anything else that has changed in your life that I need to factor in with the advice.\n\nNow I do have you here for personal details down at single with two financial dependents. Is that still the case? Okay. Perfect. Yep.\n\nSo one financial dependent. And now I have here next of kin, Brendan. Yep. Perfect. And what's his relationship to you?\n\nOkay. Great. Perfect. It doesn't look like I have his phone number listed, though, in the event that we can't contact you. Do you know where that might be?\n\nYeah. Eight one nine. Yep. 113. Okay.\n\nPerfect. Otherwise, when it comes to your employment, you're still working as a warehouse manager? Yep. Perfect. I have here income at about 76,000.\n\n80. Perfect. Is it doing the same thing just for a different company? Okay. Perfect.\n\nAnd who's your new employer? What's the the name? Yep. Great. Perfect.\n\nNow with your new employee as well, do you know if they have a special enterprise bargain agreement or anything like that or just just standard? Yep. And they just pay that standard 12% contributions into super? Yep. Great.\n\nAnd you don't make any additional contributions. Otherwise, just that. No. Perfect. When it comes to assets at the moment, I have a motor vehicle right at about 50,000.\n\nYeah. Do you have anything owing on that one? No. Perfect. Any other assets, motorbikes or boats or anything else?\n\nNo. Any other liabilities, like personal loans, credit cards, ZipPay? Yep. Perfect. And do you know rough okay.\n\nPerfect. And did you say that you might use some of the inheritance to pay that off? Yep. That's great. Perfect.\n\nAny other loans or anything like that? No. Great. And you've never been declared bankrupt or been under a part nine debt agreement? Okay.\n\nThat was cleared. Do you know yeah. Perfect. Do you know roughly when it was cleared at all? What year?\n\nTesting your memory. No. That's okay. Okay. Perfect.\n\nYep. Yep. Great. Otherwise, health and lifestyle, I have you here as a smoker. What's that?\n\nSorry? Yep. Any medications or changes to your health otherwise? No. Perfect.\n\nAnd do you have private health insurance? Yep. That's okay. Just and when it comes to estate planning, do you have a will in place? No.\n\nYep. Perfect. On the to do list. Would you like us to send you a bit of pricing and referrals to a firm that we work closely with? Or yep.\n\nThat way, at least you have the email details and then pricing as well. And if you find someone else, then, you know, at least it gives you a bit of a guide on on pricing and stuff. Yep. But you don't have anyone who makes any financial decisions on your behalf otherwise. Right?\n\nAnd are you politically exposed at all? Right. And you don't earn any income overseas? Not perfect. And I do have here all your superannuation.\n\nSo in the event that something happened to you, I have a fifty fifty split for Cassidy and Indiana. That's still correct? Yep. Perfect. Now that was basically everything that I needed to confirm on my end.\n\nSo like I said, I will go and do some research on those investments for you to see if we can swap a few things to improve the the returns and everything there for you, still keeping you in a high growth, and I will consider that SMA as well for you. Obviously, leaving assurances the way that they are, that's all doing well. I will get the mortgage broker to reach out as well to kind of at least start that process of seeing a borrowing capacity and everything like that. And then, obviously, keep me up to date with how everything is going. And then once you have finalized that, we can always do new advice, just focusing on, you know, personal investment or investment bonds or whatever it might be, that you would like to do with the remainder of the money as well.\n\nBut is there anything else that you need from me or any other questions that you have before I let you go otherwise? No? That's it. Yeah. Okay.\n\nPerfect. Now I'll also get the team to send you that lawyer information. It will take me a couple of weeks to put all of this research together, but as soon as I do just wanna let you know so you don't think tomorrow. Perfect. As soon as I do, though, I'll give you a call and run through that with you, and then we can take it from there.\n\nAnd then you can always give me a bit of an update on, you know, the property and and what's happened as well. Yep. Yep. Perfect. Well, if you don't have any other questions, Matthew, I will let you go and enjoy your afternoon, and I look forward to speaking with you soon again.\n\nNo problem. We'll speak soon. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.3135496601462364},{"text":"Is this Matthew?","start":2.8799999,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.14551376303037009},{"text":"This is Veronica from OCU Financial.","start":5.52,"end":7.7,"sentiment":"neutral","sentiment_score":0.1523983540634314},{"text":"How are you this afternoon?","start":7.7599998,"end":8.9,"sentiment":"neutral","sentiment_score":0.22601935267448425},{"text":"Good.","start":10.639999,"end":11.04,"sentiment":"positive","sentiment_score":0.5818420648574829}],"sentiment":"neutral","sentiment_score":0.21705703305847504,"num_words":17,"start":2.1599998,"end":11.04},{"sentences":[{"text":"Thanks.","start":11.04,"end":11.54,"sentiment":"positive","sentiment_score":0.661410927772522},{"text":"I had you booked in for a bit of a catch up.","start":12.32,"end":14.4,"sentiment":"positive","sentiment_score":0.36841345330079395},{"text":"Is now still a good time for you?","start":14.4,"end":15.975,"sentiment":"positive","sentiment_score":0.3671979196369648},{"text":"Yep.","start":17.495,"end":17.895,"sentiment":"neutral","sentiment_score":0.2831622064113617},{"text":"Perfect.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.6150227189064026}],"sentiment":"positive","sentiment_score":0.387745245643284,"num_words":23,"start":11.04,"end":18.395},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":18.775,"end":25.915,"sentiment":"neutral","sentiment_score":0.08573607445277016},{"text":"Perfect.","start":28.055,"end":28.555,"sentiment":"positive","sentiment_score":0.4419183135032654},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":28.615,"end":35.36,"sentiment":"neutral","sentiment_score":0.0741033802429835},{"text":"Yep.","start":43.675,"end":44.075,"sentiment":"neutral","sentiment_score":0.18995162844657895},{"text":"Perfect.","start":44.075,"end":44.475,"sentiment":"positive","sentiment_score":0.545250654220581}],"sentiment":"neutral","sentiment_score":0.0971776407345065,"num_words":56,"start":18.775,"end":44.475},{"sentences":[{"text":"That's exactly what I have here.","start":44.475,"end":46.155,"sentiment":"positive","sentiment_score":0.6112982829411825},{"text":"And how's your day been so far?","start":46.155,"end":47.995,"sentiment":"neutral","sentiment_score":0.17800976761749812},{"text":"Been busy?","start":47.995,"end":48.815,"sentiment":"neutral","sentiment_score":0.021335906349122524},{"text":"Oh, that's good.","start":50.315,"end":51.375,"sentiment":"positive","sentiment_score":0.45244405666987103},{"text":"Now, Matthew, I did have you booked in for a bit of a quarterly review, and then I believe as well that you had some potential advice questions and stuff that you want to address today as well.","start":53.275,"end":63.36,"sentiment":"neutral","sentiment_score":0.15442216533579325}],"sentiment":"neutral","sentiment_score":0.21753400600781397,"num_words":56,"start":44.475,"end":63.36},{"sentences":[{"text":"Yeah.","start":64.62,"end":65.1,"sentiment":"neutral","sentiment_score":0.1136595904827118},{"text":"So if we start with, I guess, like, your questions and what it is that you want to focus on today, and then we can always work through the other stuff.","start":65.1,"end":73.2,"sentiment":"neutral","sentiment_score":0.1487660701236417},{"text":"Yeah.","start":80.985,"end":81.485,"sentiment":"neutral","sentiment_score":0.06018353998661041},{"text":"Now do you know how much you're getting and when?","start":87.479996,"end":91.74,"sentiment":"neutral","sentiment_score":0.029009217955172063},{"text":"Okay.","start":106.295,"end":106.774994,"sentiment":"neutral","sentiment_score":0.04560110718011856}],"sentiment":"neutral","sentiment_score":0.11639283161441033,"num_words":44,"start":64.62,"end":106.774994},{"sentences":[{"text":"Okay.","start":106.774994,"end":107.274994,"sentiment":"neutral","sentiment_score":0.036343060433864594},{"text":"Perfect.","start":107.575,"end":108.075,"sentiment":"neutral","sentiment_score":0.19875985383987427},{"text":"Yep.","start":110.71,"end":111.21,"sentiment":"neutral","sentiment_score":0.0727706328034401},{"text":"Now there are a lot of different things, obviously, you can do depending on what your goals are and what you are trying to achieve.","start":111.99,"end":118.89,"sentiment":"neutral","sentiment_score":0.06078033462166786},{"text":"So, typically, it's more so what what your goals are, and then we would work from there with potential different strategies in trying to achieve that.","start":120.39,"end":129.255,"sentiment":"neutral","sentiment_score":0.13597909418436196}],"sentiment":"neutral","sentiment_score":0.09931182150763494,"num_words":54,"start":106.774994,"end":129.255},{"sentences":[{"text":"So I can see here that, obviously, when we have spoken to you before so during, I think, there was the last annual review you had with my colleague, Dana, there is a note that your focus was to tryna save up to buy a property.","start":129.715,"end":143.7,"sentiment":"neutral","sentiment_score":0.15321377697198288},{"text":"Is that still a goal for you?","start":144.8,"end":148.01999,"sentiment":"positive","sentiment_score":0.35432990746838705},{"text":"Yep.","start":151.775,"end":152.275,"sentiment":"neutral","sentiment_score":0.2472018599510193},{"text":"Yep.","start":160.495,"end":160.995,"sentiment":"neutral","sentiment_score":0.2190668433904648},{"text":"So kind of using a portion for property.","start":161.935,"end":166.0,"sentiment":"neutral","sentiment_score":0.10371480230242014}],"sentiment":"neutral","sentiment_score":0.17181159071032964,"num_words":63,"start":129.715,"end":166.0},{"sentences":[{"text":"Do you know what kind of properties you're looking at?","start":166.3,"end":169.42001,"sentiment":"neutral","sentiment_score":0.03767833691090346},{"text":"Like, how much they'd be worth?","start":169.42001,"end":171.12001,"sentiment":"neutral","sentiment_score":0.027440963002542656},{"text":"Yep.","start":178.79501,"end":179.29501,"sentiment":"neutral","sentiment_score":-0.032589200884103775},{"text":"Okay.","start":181.43501,"end":181.93501,"sentiment":"neutral","sentiment_score":0.08988165855407715},{"text":"Yep.","start":185.835,"end":186.315,"sentiment":"neutral","sentiment_score":0.07416068762540817}],"sentiment":"neutral","sentiment_score":0.03541485749577221,"num_words":19,"start":166.3,"end":186.315},{"sentences":[{"text":"Just say kind of so using, obviously, chunks.","start":186.315,"end":188.895,"sentiment":"neutral","sentiment_score":0.06945190159603953},{"text":"Do you have any other, you know, savings and stuff like that that would be used through deposit as well, or would it mainly be okay.","start":189.035,"end":198.86,"sentiment":"neutral","sentiment_score":0.03520282164502602},{"text":"So obviously, using a portion for property.","start":200.44,"end":203.5,"sentiment":"neutral","sentiment_score":0.02971154504588672},{"text":"Now have you spoken to a mortgage broker or anything?","start":204.41501,"end":208.175,"sentiment":"neutral","sentiment_score":0.003268391266465187},{"text":"Like, have you no.","start":208.175,"end":209.55501,"sentiment":"neutral","sentiment_score":-0.07007375406101346}],"sentiment":"neutral","sentiment_score":0.026022877950559964,"num_words":55,"start":186.315,"end":209.55501},{"sentences":[{"text":"If you would like me to, I'd be happy to get one of our our mortgage brokers to give you a call.","start":211.615,"end":219.315,"sentiment":"neutral","sentiment_score":0.07551312920722095},{"text":"I would say that would kind of be the first step as well because it's a little bit hard to know, okay.","start":219.75,"end":224.54999,"sentiment":"neutral","sentiment_score":-0.03092396885833957},{"text":"Well, how much money do we have left over?","start":224.54999,"end":226.23,"sentiment":"neutral","sentiment_score":0.005156385608845287},{"text":"What do we wanna invest with it?","start":226.23,"end":227.90999,"sentiment":"neutral","sentiment_score":0.006217954946415765},{"text":"Until you kind of know at least the property side of, you know, how much excess cash.","start":227.90999,"end":232.40999,"sentiment":"neutral","sentiment_score":-0.00712808922809713}],"sentiment":"neutral","sentiment_score":0.012333989167561779,"num_words":77,"start":211.615,"end":232.40999},{"sentences":[{"text":"So Yeah.","start":233.595,"end":235.69499,"sentiment":"neutral","sentiment_score":0.05427763983607292},{"text":"Yeah.","start":239.995,"end":240.495,"sentiment":"neutral","sentiment_score":0.06610196083784103},{"text":"Just ex Yeah.","start":240.555,"end":247.15,"sentiment":"neutral","sentiment_score":0.09259602924187978},{"text":"Yes.","start":247.20999,"end":247.70999,"sentiment":"neutral","sentiment_score":0.23308970034122467},{"text":"And that obviously changed exactly.","start":248.25,"end":251.23,"sentiment":"neutral","sentiment_score":0.13170893788337706}],"sentiment":"neutral","sentiment_score":0.11200664316614468,"num_words":12,"start":233.595,"end":251.23},{"sentences":[{"text":"And that changed as well because, obviously, like, time frame depends on, you know, the style of investment.","start":252.56999,"end":256.65,"sentiment":"neutral","sentiment_score":0.11895382238758935},{"text":"And if it is for property, I'd be happy to send you if it is that you're looking for just, like, general savings for the time being until you know the property, I'm happy to send you just some general information on, you know, different savings account and stuff like that.","start":256.65,"end":274.95,"sentiment":"positive","sentiment_score":0.3401554779094808},{"text":"I'm not a lender, so I can't give you any of that, but just some some general options.","start":274.95,"end":279.51,"sentiment":"neutral","sentiment_score":-0.00295015134745174},{"text":"If not, the lender will be the best one to know as well in terms of, you know, high interest savings account and stuff like that.","start":279.51,"end":287.37,"sentiment":"neutral","sentiment_score":0.043440960777493626},{"text":"That's that's pretty good.","start":294.345,"end":295.70502,"sentiment":"positive","sentiment_score":0.49251143634319305}],"sentiment":"neutral","sentiment_score":0.19261116391191116,"num_words":117,"start":252.56999,"end":295.70502},{"sentences":[{"text":"Yeah.","start":295.70502,"end":296.20502,"sentiment":"neutral","sentiment_score":0.14729103446006775},{"text":"Okay.","start":297.225,"end":297.725,"sentiment":"neutral","sentiment_score":0.041639506816864014},{"text":"Yeah.","start":300.6,"end":301.1,"sentiment":"neutral","sentiment_score":0.07242962718009949},{"text":"Yes.","start":305.88,"end":306.38,"sentiment":"neutral","sentiment_score":0.14139291644096377},{"text":"And that's typically the best way if especially because we don't wanna lock it in if you are looking to buy a property in in exactly.","start":307.08,"end":317.035,"sentiment":"neutral","sentiment_score":0.13703000559829748}],"sentiment":"neutral","sentiment_score":0.13218444101512433,"num_words":30,"start":295.70502,"end":317.035},{"sentences":[{"text":"Even, you know, term deposits.","start":317.49503,"end":319.035,"sentiment":"neutral","sentiment_score":0.03378429114818573},{"text":"Exactly.","start":319.575,"end":320.05502,"sentiment":"neutral","sentiment_score":0.06788648664951324},{"text":"Or anything like that.","start":320.05502,"end":320.855,"sentiment":"neutral","sentiment_score":0.08258041553199291},{"text":"Like, you'd wanna have the flexibility.","start":320.855,"end":322.39502,"sentiment":"neutral","sentiment_score":0.17841277023156485},{"text":"So, obviously, a high interest savings account is is a great option, and that's what a lot of people do until they figure out from the property side.","start":323.17502,"end":331.54,"sentiment":"neutral","sentiment_score":0.2659435173762696}],"sentiment":"neutral","sentiment_score":0.20645510710098527,"num_words":44,"start":317.49503,"end":331.54},{"sentences":[{"text":"Then when you do have a property, like, once you know how much you wanna borrow, once you know how much you need for the deposit and you know how much extra you have, then we can always be like, okay.","start":332.0,"end":344.01498,"sentiment":"neutral","sentiment_score":0.11564880827578103},{"text":"Well, if that's 50 or 20 or however much you have left that you go, you know what?","start":344.01498,"end":348.895,"sentiment":"neutral","sentiment_score":0.17753441052304375},{"text":"I'm happy to lock this in for a longer period, or my goal is to have, you know, diversified in different investment options and, you know, draw an income, like, whatever that might be.","start":348.895,"end":358.7,"sentiment":"neutral","sentiment_score":0.24798981385195956},{"text":"We can then work on different strategies for that.","start":359.24002,"end":362.12,"sentiment":"neutral","sentiment_score":0.21938873330752054},{"text":"But I would say the first point would be at least just to get a bit of an idea from the mortgage broker, okay, with with your current situation, like you said as well with the single income, the properties you're looking at, what could you borrow, what kind of properties would that get you, and then we can always work from there.","start":362.12,"end":380.325,"sentiment":"neutral","sentiment_score":0.31383330930793096}],"sentiment":"neutral","sentiment_score":0.23099921991427738,"num_words":165,"start":332.0,"end":380.325},{"sentences":[{"text":"So are you happy for me to pass on your email and contact details to the lender to give you a bit of a call just to have a general catch up?","start":380.325,"end":389.00998,"sentiment":"neutral","sentiment_score":0.2828884208574891},{"text":"Perfect.","start":389.00998,"end":389.50998,"sentiment":"neutral","sentiment_score":0.3187566101551056},{"text":"And when is a a best time for you typically?","start":389.88998,"end":392.87,"sentiment":"neutral","sentiment_score":0.12806628346443177},{"text":"Okay.","start":397.185,"end":397.505,"sentiment":"neutral","sentiment_score":0.0904151052236557},{"text":"So after five, kind of Monday to Thursday, Monday to Friday.","start":397.505,"end":401.92502,"sentiment":"neutral","sentiment_score":0.09625879810615019}],"sentiment":"neutral","sentiment_score":0.21456565084782514,"num_words":55,"start":380.325,"end":401.92502},{"sentences":[{"text":"Yep.","start":403.745,"end":404.245,"sentiment":"neutral","sentiment_score":0.28953397274017334},{"text":"Perfect.","start":404.305,"end":404.805,"sentiment":"positive","sentiment_score":0.5759410858154297},{"text":"I will send a bit of an introduction email as well so that you have their contact details as well.","start":405.665,"end":410.4,"sentiment":"positive","sentiment_score":0.36683241203427314},{"text":"But they typically give you a bit of a call first and just run through some different scenarios that you can work on all the figures and stuff like that.","start":410.88,"end":418.96,"sentiment":"neutral","sentiment_score":0.30064051002264025},{"text":"And then that's a good starting point for you as well to see where how much you actually could borrow and, you know, if you need to save a bit more or whether you can use just a portion of that and kind of take it from there.","start":418.96,"end":431.705,"sentiment":"positive","sentiment_score":0.3935839183007677}],"sentiment":"positive","sentiment_score":0.3611336667835712,"num_words":100,"start":403.745,"end":431.705},{"sentences":[{"text":"And then once you have kind of sorted that out, obviously, let me know and keep me up to date, and then we can work on, okay.","start":431.705,"end":438.345,"sentiment":"positive","sentiment_score":0.3482695679973673},{"text":"Well, how much extra do we have, and what do we now wanna do with that?","start":438.345,"end":441.61,"sentiment":"neutral","sentiment_score":0.18874447513371706},{"text":"Yeah.","start":442.94998,"end":443.44998,"sentiment":"neutral","sentiment_score":0.2760036289691925},{"text":"Perfect.","start":443.66998,"end":444.16998,"sentiment":"positive","sentiment_score":0.5176715850830078},{"text":"Now aside from from that, which is obviously exciting for you as well, a couple of other financial goals there for you, Is there any other areas or or stuff you want me to focus on or just a bit of an update on, you know, your account and what's happened in the last couple of months?","start":445.66998,"end":461.055,"sentiment":"neutral","sentiment_score":0.23004230046481416}],"sentiment":"neutral","sentiment_score":0.25813015959426466,"num_words":102,"start":431.705,"end":461.055},{"sentences":[{"text":"Yep.","start":463.675,"end":464.175,"sentiment":"neutral","sentiment_score":0.007802191190421581},{"text":"Yep.","start":467.29,"end":467.77,"sentiment":"neutral","sentiment_score":0.05979590862989426},{"text":"Okay.","start":467.77,"end":468.25,"sentiment":"neutral","sentiment_score":0.039425257593393326},{"text":"Perfect.","start":468.25,"end":468.75,"sentiment":"positive","sentiment_score":0.8310127258300781},{"text":"Now I know that you did a bit of a a big advice strategy with my colleague, Dana, again about a year ago, which is great.","start":469.61002,"end":476.43,"sentiment":"positive","sentiment_score":0.5352439123850602}],"sentiment":"positive","sentiment_score":0.4951459268418451,"num_words":30,"start":463.675,"end":476.43},{"sentences":[{"text":"That's obviously all sorted and finalized for you.","start":476.49,"end":479.55,"sentiment":"positive","sentiment_score":0.6405961886048317},{"text":"And your superannuation in Hub 24 at the moment, so right now, it's at 103,886.","start":479.925,"end":488.585,"sentiment":"neutral","sentiment_score":0.09477882037560145},{"text":"Do you keep an eye on your superannuation a lot?","start":489.445,"end":492.565,"sentiment":"neutral","sentiment_score":0.03298261817544699},{"text":"Do you have the app on the phone?","start":492.565,"end":494.26498,"sentiment":"neutral","sentiment_score":-0.011751515441574156},{"text":"Yeah.","start":499.90997,"end":500.31,"sentiment":"neutral","sentiment_score":-0.06360000371932983}],"sentiment":"neutral","sentiment_score":0.15996823497560053,"num_words":42,"start":476.49,"end":500.31},{"sentences":[{"text":"There's obviously been there's been a lot of fluctuations in the market recently with, obviously, everything going on in the world.","start":500.31,"end":506.72998,"sentiment":"neutral","sentiment_score":-0.11761880967588652},{"text":"And with your investments as well.","start":508.21503,"end":510.55502,"sentiment":"neutral","sentiment_score":0.03782093711197376},{"text":"Now after this call, it it's up to you.","start":511.095,"end":513.41504,"sentiment":"neutral","sentiment_score":0.05260666459798813},{"text":"So if you would like, we can kind of bring forward the annual review a little bit and do a bit more comprehensive today because I would like to kind of go into the investments in a bit more detail and potentially look at swapping one option out for you.","start":513.41504,"end":527.22003,"sentiment":"neutral","sentiment_score":0.0993530735373497},{"text":"So what I can do after the call is I can get the team as well just to send you, like, the general annual review documents just for your review.","start":528.16003,"end":535.77496,"sentiment":"neutral","sentiment_score":0.1611714077492555}],"sentiment":"neutral","sentiment_score":0.06925160784659715,"num_words":116,"start":500.31,"end":535.77496},{"sentences":[{"text":"And then the documents that need signing, I'll just include that in the research paper, a bit later so we can do it all at one go.","start":536.315,"end":543.615,"sentiment":"neutral","sentiment_score":0.16027019945559678},{"text":"Yep.","start":544.71497,"end":545.21497,"sentiment":"neutral","sentiment_score":0.10793064534664154},{"text":"So, basically, if we look at your investments, obviously, in hub twenty four, like I said, we have seen a bit of fluctuations in the market.","start":545.355,"end":551.70996,"sentiment":"neutral","sentiment_score":0.07302456091229732},{"text":"Some of it is more like you stick with all trends and different options that's that's going on.","start":552.08997,"end":557.31,"sentiment":"neutral","sentiment_score":0.04742231716712316},{"text":"But there is one particular investment that I do wanna address a little bit more, which is your Benelon Australian equity.","start":557.44995,"end":564.19,"sentiment":"neutral","sentiment_score":0.14955719312032065}],"sentiment":"neutral","sentiment_score":0.11105556321400469,"num_words":93,"start":536.315,"end":564.19},{"sentences":[{"text":"Now that one was obviously recommended last year for you.","start":564.81,"end":569.52496,"sentiment":"positive","sentiment_score":0.39090692400932314},{"text":"It was doing really well.","start":569.52496,"end":571.145,"sentiment":"positive","sentiment_score":0.6314417958259583},{"text":"And the purpose behind this particular investment is to give you the active management approach.","start":571.445,"end":576.345,"sentiment":"neutral","sentiment_score":0.3262194970001777},{"text":"So they are a managed fund, and how that work is that they work a little bit different in that they are trying to actively buy and sell different investments in order to try to outperform the market.","start":576.565,"end":589.57996,"sentiment":"neutral","sentiment_score":0.038688895145529194},{"text":"So it's a little bit different through the the other investments, which are more your your passive index funds that we would call it.","start":590.6,"end":597.645,"sentiment":"neutral","sentiment_score":0.028495828388258815}],"sentiment":"neutral","sentiment_score":0.15340922359863055,"num_words":92,"start":564.81,"end":597.645},{"sentences":[{"text":"So, for example, one of them is iShares S and P five hundred, which essentially attracts their 500 largest companies listed in The US.","start":598.105,"end":610.02,"sentiment":"neutral","sentiment_score":0.0566327670433869},{"text":"So how that works is, obviously, if there is a company that gets bigger, it will get included in the investment.","start":610.5,"end":615.80005,"sentiment":"neutral","sentiment_score":0.033949206804945356},{"text":"If that one that gets smaller, it kind of falls out.","start":615.86005,"end":617.94,"sentiment":"neutral","sentiment_score":-0.0789703286506913},{"text":"It kind of just tracks the biggest 500.","start":617.94,"end":620.82,"sentiment":"neutral","sentiment_score":0.019812999293208122},{"text":"Does that make sense?","start":620.82,"end":621.96,"sentiment":"neutral","sentiment_score":0.06586694251745939}],"sentiment":"neutral","sentiment_score":0.023903204429456416,"num_words":68,"start":598.105,"end":621.96},{"sentences":[{"text":"Yeah.","start":623.155,"end":623.395,"sentiment":"neutral","sentiment_score":0.05237764120101929},{"text":"So the concept is a little bit different between them.","start":623.395,"end":625.73505,"sentiment":"neutral","sentiment_score":0.019852386228740214},{"text":"And like I said, Benelon was to try to outperform that.","start":625.955,"end":629.55505,"sentiment":"neutral","sentiment_score":0.05159598555077206},{"text":"Now they have underperformed a little bit recently, so I would like to look at swapping that one out for you.","start":629.55505,"end":636.215,"sentiment":"neutral","sentiment_score":0.07376331587632497},{"text":"One of the reasons that they have kind of underperformed is that one of their investments that they have in their portfolio is the corporate travel group.","start":636.8,"end":646.89996,"sentiment":"neutral","sentiment_score":-0.05729979069696532}],"sentiment":"neutral","sentiment_score":0.011719894701881069,"num_words":70,"start":623.155,"end":646.89996},{"sentences":[{"text":"I'm not sure if you've heard on the news or seen or anything, but they had a bit of issues with their reporting, which actually caused them to suspend some trading.","start":647.27997,"end":655.99506,"sentiment":"neutral","sentiment_score":-0.1546661949926807},{"text":"So, obviously, you saw a bit of fluctuations and the investment dropped because of it.","start":656.29504,"end":661.11505,"sentiment":"neutral","sentiment_score":-0.2217116117477417},{"text":"Now we've done a lot of extensive research on the investment, and they can the the the fund itself has been a little slow in making changes.","start":661.49506,"end":668.46,"sentiment":"neutral","sentiment_score":-0.2343290346088233},{"text":"So what I would like to do is review that investment for you and see if we can make a couple of tweaks and changes to make sure that we improve the returns a little bit for you and make sure that we always have you in the best option possible.","start":668.84,"end":681.34,"sentiment":"neutral","sentiment_score":0.08790602578836329},{"text":"Yep.","start":682.765,"end":683.16504,"sentiment":"neutral","sentiment_score":0.2855444550514221}],"sentiment":"neutral","sentiment_score":-0.07742766708135605,"num_words":125,"start":647.27997,"end":683.16504},{"sentences":[{"text":"You're happy for me to do that?","start":683.16504,"end":684.945,"sentiment":"positive","sentiment_score":0.5373504970754895},{"text":"Yep.","start":685.805,"end":686.28503,"sentiment":"positive","sentiment_score":0.33996713161468506},{"text":"Perfect.","start":686.28503,"end":686.78503,"sentiment":"positive","sentiment_score":0.5624275803565979},{"text":"Now with your portfolio as a whole as well, we do have you currently invested in a high growth portfolio.","start":687.885,"end":693.66504,"sentiment":"neutral","sentiment_score":0.25134727358818054},{"text":"And I know that last year, you went over kind of that risk profile questionnaire where you kind of answered all the questions about fluctuations and tolerance to risk and stuff like that.","start":694.23,"end":704.49,"sentiment":"neutral","sentiment_score":0.12099692270611272}],"sentiment":"neutral","sentiment_score":0.2207047114929845,"num_words":62,"start":683.16504,"end":704.49},{"sentences":[{"text":"And you did come out as a high growth investor.","start":705.19,"end":707.76996,"sentiment":"neutral","sentiment_score":0.19214138984680176},{"text":"Do you remember what it means to be a high growth investor?","start":708.855,"end":712.235,"sentiment":"neutral","sentiment_score":0.04288647137582302},{"text":"Yeah.","start":722.31,"end":722.71,"sentiment":"neutral","sentiment_score":0.004355482757091522},{"text":"Kind of.","start":722.71,"end":723.19,"sentiment":"neutral","sentiment_score":-0.017608817666769028},{"text":"So it is it is where you are comfortable seeing fluctuations and bit of ups and downs in the short term in order to try and get you higher returns in the long term.","start":723.19,"end":733.365,"sentiment":"neutral","sentiment_score":0.024968958733712927}],"sentiment":"neutral","sentiment_score":0.055154813548265874,"num_words":59,"start":705.19,"end":733.365},{"sentences":[{"text":"And what that typically means that in about one to five years so every one in five years, you will have a negative year in order to tryna then outperform it in the long term, and then the other years to tryna obviously grow that.","start":733.605,"end":745.785,"sentiment":"neutral","sentiment_score":-0.12851466031538117},{"text":"So it is also factoring in from a time frame point of view, making sure that you do have enough time in the market for those fluctuations.","start":746.08496,"end":754.92,"sentiment":"neutral","sentiment_score":0.08554976654273493},{"text":"And, typically, in a high growth portfolio, we want to allow minimum eight years until retirement, which you certainly have.","start":755.86,"end":762.16504,"sentiment":"neutral","sentiment_score":0.1063157219439745},{"text":"So from a time frame point of view, it is in a very good position as long as you are still comfortable seeing a bit of fluctuations in the short term in order to try to grow that full retirement in the long term.","start":762.16504,"end":774.38,"sentiment":"neutral","sentiment_score":0.25947132977572357},{"text":"Are you still happy with, like, your high growth?","start":774.38,"end":776.38,"sentiment":"neutral","sentiment_score":0.2654294851753447}],"sentiment":"neutral","sentiment_score":0.08592139515897323,"num_words":145,"start":733.605,"end":776.38},{"sentences":[{"text":"Yep.","start":776.38,"end":776.88,"sentiment":"neutral","sentiment_score":0.21995607018470764},{"text":"Perfect.","start":776.94,"end":777.44,"sentiment":"positive","sentiment_score":0.4091162085533142},{"text":"And, typically, we see about, a 9010.","start":777.98,"end":781.01996,"sentiment":"neutral","sentiment_score":0.1551755964756012},{"text":"So ninety percent in your growth investment, which will be your Australian shares, your international shares, property, and commodity, and then about 10% in defensive, which is, like, your cash, your fixed interest, and then gold kind of falls into both categories a little bit.","start":781.01996,"end":797.715,"sentiment":"neutral","sentiment_score":0.13042779796653323},{"text":"Yep.","start":798.895,"end":799.29504,"sentiment":"neutral","sentiment_score":0.1655701845884323}],"sentiment":"neutral","sentiment_score":0.1409113190390847,"num_words":55,"start":776.38,"end":799.29504},{"sentences":[{"text":"Perfect.","start":799.29504,"end":799.79504,"sentiment":"positive","sentiment_score":0.35402679443359375},{"text":"So I'll have a look into those investments a little bit and to see that for you.","start":799.85504,"end":804.59503,"sentiment":"neutral","sentiment_score":0.23976395235342138},{"text":"But while I am researching your superannuation, I did wanted to check if you have recently read our newsletter at all.","start":804.89996,"end":812.75995,"sentiment":"neutral","sentiment_score":0.025159102243681748},{"text":"No.","start":814.89996,"end":815.39996,"sentiment":"neutral","sentiment_score":-0.07753175497055054},{"text":"No.","start":815.54,"end":815.77997,"sentiment":"neutral","sentiment_score":-0.0785803273320198}],"sentiment":"neutral","sentiment_score":0.11712787925015862,"num_words":41,"start":799.29504,"end":815.77997},{"sentences":[{"text":"That's okay.","start":815.77997,"end":816.6,"sentiment":"neutral","sentiment_score":-0.024661957286298275},{"text":"So, essentially, we recently have partnered up with BlackRock, which you may have heard of.","start":816.98,"end":823.125,"sentiment":"neutral","sentiment_score":0.02806050976117452},{"text":"No.","start":825.505,"end":826.005,"sentiment":"neutral","sentiment_score":-0.04012776166200638},{"text":"They are one of the biggest fund managers, and we have partnered up with them to create something that's called an SMA.","start":826.305,"end":834.325,"sentiment":"neutral","sentiment_score":0.023498096587983044},{"text":"Have you ever heard of that before?","start":834.9,"end":836.36005,"sentiment":"neutral","sentiment_score":-0.001239905133843422}],"sentiment":"neutral","sentiment_score":0.017866697003866765,"num_words":47,"start":815.77997,"end":836.36005},{"sentences":[{"text":"No.","start":837.86005,"end":838.18005,"sentiment":"neutral","sentiment_score":-0.06574861705303192},{"text":"So an SMA, it is a self managed account.","start":838.18005,"end":841.64,"sentiment":"neutral","sentiment_score":-0.03024044529431396},{"text":"It is a little bit different to how your investments are currently structured in Hub twenty four.","start":842.9,"end":849.225,"sentiment":"neutral","sentiment_score":-0.023778227541376564},{"text":"So the biggest kind of difference is, at the moment, with your investments, if you log in to your Hub twenty four, you will see each and every single one of those investments.","start":849.70496,"end":858.52496,"sentiment":"neutral","sentiment_score":0.047697236253456635},{"text":"And if we want to go and make a change to one of them, like now, for example, with Benelon, I will go and do all the research for you.","start":859.46497,"end":868.01,"sentiment":"neutral","sentiment_score":0.18592511688669522}],"sentiment":"neutral","sentiment_score":0.07121799788955185,"num_words":90,"start":837.86005,"end":868.01},{"sentences":[{"text":"I will then put together a proposal in a statement of advice.","start":868.01,"end":872.03,"sentiment":"neutral","sentiment_score":0.24614467471837997},{"text":"I will run that through with you, and then you would have to agree to the change before we can swap anything out.","start":872.49,"end":878.99,"sentiment":"neutral","sentiment_score":0.17055196379837784},{"text":"So it is a bit of a lengthy, obviously, on on the process and the compliance point, but then that gives you the full control of deciding if you are happy with the change or not.","start":879.685,"end":889.945,"sentiment":"neutral","sentiment_score":0.1868482039620479},{"text":"How the estimate is a little bit different is that you invest in a portfolio.","start":890.565,"end":895.27997,"sentiment":"neutral","sentiment_score":0.07805682818094889},{"text":"And then you you can still see when you log in to your account the different breakdowns of the different investments.","start":896.77997,"end":903.82,"sentiment":"neutral","sentiment_score":0.1256747291911216}],"sentiment":"neutral","sentiment_score":0.16273820880696038,"num_words":107,"start":868.01,"end":903.82},{"sentences":[{"text":"It's a similar concept.","start":903.82,"end":905.04,"sentiment":"neutral","sentiment_score":0.12613105401396751},{"text":"But, otherwise, you kind of just see that you invested in a particular portfolio.","start":905.42,"end":909.12,"sentiment":"neutral","sentiment_score":0.22022206176604545},{"text":"So what that allows us to do is that we can very quickly make changes without having to go through that process of you approving it.","start":909.965,"end":918.78503,"sentiment":"positive","sentiment_score":0.37442780801883113},{"text":"So you'll still get notified of the change, but it will take away kind of, like, the paperwork and the kind of lengthy process because we can just quickly make a change to investments if we foresee it being so.","start":918.92505,"end":933.54,"sentiment":"positive","sentiment_score":0.3532661203294992},{"text":"And, obviously, partnering up with Blackhawk, we get access to all their expertise and softwares and everything like that as well.","start":933.76,"end":940.215,"sentiment":"neutral","sentiment_score":0.2538654101746423}],"sentiment":"neutral","sentiment_score":0.31223404301064356,"num_words":105,"start":903.82,"end":940.215},{"sentences":[{"text":"Is that a approach that you are comfortable with, or do you prefer how things are currently structured for you?","start":941.815,"end":949.275,"sentiment":"neutral","sentiment_score":0.13507304191589356},{"text":"No?","start":955.58997,"end":956.08997,"sentiment":"neutral","sentiment_score":-0.04284382611513138},{"text":"Correct.","start":963.58997,"end":964.08997,"sentiment":"neutral","sentiment_score":0.24208438396453855},{"text":"It literally just means that we can very quickly like, if we foresee something changing and we're like, okay.","start":964.23,"end":971.305,"sentiment":"neutral","sentiment_score":0.1788335352351791},{"text":"Quickly, let's swap out this investment for something else before, let's say, it drops too much or or before anything changes, we can quickly do that in the back end.","start":971.305,"end":980.79,"sentiment":"neutral","sentiment_score":-0.02448254053791364}],"sentiment":"neutral","sentiment_score":0.07836707534504608,"num_words":71,"start":941.815,"end":980.79},{"sentences":[{"text":"We'll send you the information of, you know, this is obviously changed and the reasons why, but we can quickly make the change.","start":980.87,"end":987.85,"sentiment":"neutral","sentiment_score":0.09144758076771446},{"text":"Otherwise, the way that it is now is that we can still obviously make the change, but the process takes a lot longer.","start":988.23,"end":994.08997,"sentiment":"neutral","sentiment_score":-0.1514937932724538},{"text":"And, obviously, because of that, sometimes there could be you know, obviously, it takes longer.","start":994.825,"end":998.665,"sentiment":"neutral","sentiment_score":-0.08554355104764302},{"text":"They could fluctuate more in that time frame.","start":998.665,"end":1001.245,"sentiment":"neutral","sentiment_score":-0.08974753564689308},{"text":"So that is kind of the biggest benefit with the SMA is that we can kind of a bit more proactively do that change in the back end for you.","start":1001.785,"end":1011.45996,"sentiment":"neutral","sentiment_score":0.29110391388336815}],"sentiment":"neutral","sentiment_score":0.05404970684850758,"num_words":99,"start":980.87,"end":1011.45996},{"sentences":[{"text":"A bit quicker.","start":1015.68,"end":1016.39996,"sentiment":"neutral","sentiment_score":0.13846345245838165},{"text":"Yeah.","start":1016.39996,"end":1016.72,"sentiment":"neutral","sentiment_score":0.1891797631978989},{"text":"Perfect.","start":1016.72,"end":1017.22,"sentiment":"positive","sentiment_score":0.3810660243034363},{"text":"Now, obviously, everything that we do recommend still has to be in your best interest.","start":1017.36,"end":1021.45996,"sentiment":"neutral","sentiment_score":-0.054543668031692506},{"text":"It has to put you in a better position.","start":1021.64496,"end":1023.245,"sentiment":"neutral","sentiment_score":-0.04383708205487993}],"sentiment":"neutral","sentiment_score":-0.007829400485959547,"num_words":29,"start":1015.68,"end":1023.245},{"sentences":[{"text":"So if I do the research and the the SMA portfolio, if it turns out to be not in a better position for you, then I will not recommend it.","start":1023.245,"end":1031.505,"sentiment":"neutral","sentiment_score":-0.3209213224550088},{"text":"It's just making sure you are comfortable that with that approach if it turns out to be the best option for you.","start":1031.885,"end":1036.77,"sentiment":"neutral","sentiment_score":0.09302941862155091},{"text":"So I will review it as well as different portfolios and see, but it is a very good thing where we can very quickly make those changes.","start":1037.09,"end":1046.47,"sentiment":"neutral","sentiment_score":0.22784309503104952},{"text":"And, obviously, being partnered up with BlackRock, which is one of the the biggest fund managers, you can Google them as well.","start":1046.77,"end":1052.145,"sentiment":"neutral","sentiment_score":0.3064809726043181},{"text":"It does give us all that extra knowledge and research when it comes to the invest, which is great.","start":1052.9451,"end":1058.405,"sentiment":"positive","sentiment_score":0.3989414776626386}],"sentiment":"neutral","sentiment_score":0.1074436714562277,"num_words":120,"start":1023.245,"end":1058.405},{"sentences":[{"text":"So I will research this for you.","start":1059.105,"end":1061.425,"sentiment":"neutral","sentiment_score":0.22214182572705404},{"text":"I will put together a in a paper, run through it with you, and then you can let me know what you would like to do.","start":1061.425,"end":1068.085,"sentiment":"neutral","sentiment_score":0.16036388163383192},{"text":"Yep.","start":1068.84,"end":1069.32,"sentiment":"neutral","sentiment_score":0.20575642585754397},{"text":"Perfect.","start":1069.32,"end":1069.82,"sentiment":"positive","sentiment_score":0.3616454005241394},{"text":"Otherwise, I do have here with your superannuation, your goal is to access super at the age of 60 and, ideally, an income of around $700 per week.","start":1070.28,"end":1080.46,"sentiment":"neutral","sentiment_score":0.22466660982796124}],"sentiment":"neutral","sentiment_score":0.199722549271962,"num_words":63,"start":1059.105,"end":1080.46},{"sentences":[{"text":"Yeah.","start":1081.925,"end":1082.405,"sentiment":"neutral","sentiment_score":0.28951066732406616},{"text":"Perfect.","start":1082.405,"end":1082.905,"sentiment":"positive","sentiment_score":0.45911186933517456},{"text":"Now with your insurances as well, so you do have a bit of that default insurance within Hub twenty four.","start":1083.285,"end":1090.425,"sentiment":"neutral","sentiment_score":0.2525413207709789},{"text":"You do have a 400,896 worth of life cover.","start":1090.805,"end":1096.185,"sentiment":"neutral","sentiment_score":0.06747649817003144},{"text":"You have 29,286 worth of total permanent disability insurance.","start":1097.13,"end":1104.27,"sentiment":"neutral","sentiment_score":0.07554945680830213}],"sentiment":"neutral","sentiment_score":0.17716706367209553,"num_words":40,"start":1081.925,"end":1104.27},{"sentences":[{"text":"And then you do have an income protection as well, and that will pay a monthly amount of 2,176.","start":1104.89,"end":1112.385,"sentiment":"neutral","sentiment_score":0.09512524973405034},{"text":"You do have a sixty day waiting period and a five year benefit period.","start":1113.265,"end":1117.685,"sentiment":"neutral","sentiment_score":0.07162584524069514},{"text":"The total premium for all three is about $35 a month.","start":1118.0651,"end":1121.925,"sentiment":"neutral","sentiment_score":0.046520384536548096},{"text":"Yep.","start":1123.105,"end":1123.585,"sentiment":"neutral","sentiment_score":0.20342957973480225},{"text":"Perfect.","start":1123.585,"end":1124.085,"sentiment":"positive","sentiment_score":0.582897424697876}],"sentiment":"neutral","sentiment_score":0.08930853940546513,"num_words":46,"start":1104.89,"end":1124.085},{"sentences":[{"text":"You're still happy with those insurances and the way things are set up?","start":1124.225,"end":1127.505,"sentiment":"positive","sentiment_score":0.43691060692071915},{"text":"Yep.","start":1127.505,"end":1127.76,"sentiment":"neutral","sentiment_score":0.20294027030467987},{"text":"Great.","start":1128.0,"end":1128.48,"sentiment":"positive","sentiment_score":0.5317879915237427},{"text":"Perfect.","start":1128.48,"end":1128.98,"sentiment":"positive","sentiment_score":0.4448941946029663},{"text":"Now the other thing I do want to just quickly run through for for you here is just a quick updated fact line just to see if there's anything else that has changed in your life that I need to factor in with the advice.","start":1130.64,"end":1143.06,"sentiment":"neutral","sentiment_score":0.0835038529502021}],"sentiment":"neutral","sentiment_score":0.17405137260917758,"num_words":61,"start":1124.225,"end":1143.06},{"sentences":[{"text":"Now I do have you here for personal details down at single with two financial dependents.","start":1144.905,"end":1149.7849,"sentiment":"neutral","sentiment_score":0.000020543811842799187},{"text":"Is that still the case?","start":1149.7849,"end":1151.245,"sentiment":"neutral","sentiment_score":-0.003177516907453537},{"text":"Okay.","start":1157.24,"end":1157.72,"sentiment":"neutral","sentiment_score":0.027730649337172508},{"text":"Perfect.","start":1157.72,"end":1158.22,"sentiment":"neutral","sentiment_score":0.09155875444412231},{"text":"Yep.","start":1159.0,"end":1159.48,"sentiment":"neutral","sentiment_score":0.029600221663713455}],"sentiment":"neutral","sentiment_score":0.005555447579051058,"num_words":24,"start":1144.905,"end":1159.48},{"sentences":[{"text":"So one financial dependent.","start":1159.48,"end":1162.94,"sentiment":"neutral","sentiment_score":0.010762817924842238},{"text":"And now I have here next of kin, Brendan.","start":1164.84,"end":1167.42,"sentiment":"neutral","sentiment_score":0.019129185419943597},{"text":"Yep.","start":1168.855,"end":1169.1749,"sentiment":"neutral","sentiment_score":0.0329100601375103},{"text":"Perfect.","start":1169.1749,"end":1169.575,"sentiment":"neutral","sentiment_score":0.07789883017539978},{"text":"And what's his relationship to you?","start":1169.575,"end":1171.995,"sentiment":"neutral","sentiment_score":0.02303691456715266}],"sentiment":"neutral","sentiment_score":0.022106872294985112,"num_words":21,"start":1159.48,"end":1171.995},{"sentences":[{"text":"Okay.","start":1173.255,"end":1173.655,"sentiment":"neutral","sentiment_score":0.052947260439395905},{"text":"Great.","start":1173.655,"end":1174.0549,"sentiment":"neutral","sentiment_score":0.15467065572738647},{"text":"Perfect.","start":1174.0549,"end":1174.5549,"sentiment":"neutral","sentiment_score":0.09618236869573592},{"text":"It doesn't look like I have his phone number listed, though, in the event that we can't contact you.","start":1175.1749,"end":1180.315,"sentiment":"neutral","sentiment_score":-0.002391066794332705},{"text":"Do you know where that might be?","start":1180.695,"end":1182.5549,"sentiment":"neutral","sentiment_score":-0.004594525987548488}],"sentiment":"neutral","sentiment_score":0.007800287374391638,"num_words":29,"start":1173.255,"end":1182.5549},{"sentences":[{"text":"Yeah.","start":1193.01,"end":1193.51,"sentiment":"neutral","sentiment_score":0.0018536406569182873},{"text":"Eight one nine.","start":1196.705,"end":1197.745,"sentiment":"neutral","sentiment_score":0.002594411994020144},{"text":"Yep.","start":1197.745,"end":1198.245,"sentiment":"neutral","sentiment_score":0.005561258178204298},{"text":"113.","start":1200.5449,"end":1201.845,"sentiment":"neutral","sentiment_score":0.006184465251863003},{"text":"Okay.","start":1201.985,"end":1202.485,"sentiment":"neutral","sentiment_score":0.030429372563958168}],"sentiment":"neutral","sentiment_score":0.0074017103761434555,"num_words":7,"start":1193.01,"end":1202.485},{"sentences":[{"text":"Perfect.","start":1202.5449,"end":1203.0449,"sentiment":"neutral","sentiment_score":0.04955021291971207},{"text":"Otherwise, when it comes to your employment, you're still working as a warehouse manager?","start":1204.3849,"end":1209.5249,"sentiment":"neutral","sentiment_score":-0.0036748891164149556},{"text":"Yep.","start":1210.93,"end":1211.3301,"sentiment":"neutral","sentiment_score":0.01912376284599304},{"text":"Perfect.","start":1211.3301,"end":1211.8301,"sentiment":"neutral","sentiment_score":0.0693209171295166},{"text":"I have here income at about 76,000.","start":1212.2101,"end":1214.79,"sentiment":"neutral","sentiment_score":0.0213942216443164}],"sentiment":"neutral","sentiment_score":0.009846083198984465,"num_words":24,"start":1202.5449,"end":1214.79},{"sentences":[{"text":"80.","start":1221.17,"end":1221.67,"sentiment":"neutral","sentiment_score":0.0005130916833877563},{"text":"Perfect.","start":1221.7301,"end":1222.2301,"sentiment":"neutral","sentiment_score":0.03487318754196167},{"text":"Is it doing the same thing just for a different company?","start":1222.5851,"end":1225.5651,"sentiment":"neutral","sentiment_score":-0.004014535299078984},{"text":"Okay.","start":1225.865,"end":1226.265,"sentiment":"neutral","sentiment_score":0.02395142987370491},{"text":"Perfect.","start":1226.265,"end":1226.665,"sentiment":"neutral","sentiment_score":0.04871214926242829}],"sentiment":"neutral","sentiment_score":0.004259331338107586,"num_words":15,"start":1221.17,"end":1226.665},{"sentences":[{"text":"And who's your new employer?","start":1226.665,"end":1228.045,"sentiment":"neutral","sentiment_score":0.009106582775712014},{"text":"What's the the name?","start":1228.1051,"end":1229.3251,"sentiment":"neutral","sentiment_score":-0.0005037727933085988},{"text":"Yep.","start":1233.9451,"end":1234.4451,"sentiment":"neutral","sentiment_score":0.0048731788992881775},{"text":"Great.","start":1237.9099,"end":1238.39,"sentiment":"neutral","sentiment_score":0.21218834817409515},{"text":"Perfect.","start":1238.39,"end":1238.89,"sentiment":"neutral","sentiment_score":0.17486147582530975}],"sentiment":"neutral","sentiment_score":0.03628673546700156,"num_words":12,"start":1226.665,"end":1238.89},{"sentences":[{"text":"Now with your new employee as well, do you know if they have a special enterprise bargain agreement or anything like that or just just standard?","start":1240.3099,"end":1248.97,"sentiment":"neutral","sentiment_score":0.011550230690493034},{"text":"Yep.","start":1249.4299,"end":1249.905,"sentiment":"neutral","sentiment_score":0.03192846104502678},{"text":"And they just pay that standard 12% contributions into super?","start":1250.4651,"end":1254.865,"sentiment":"neutral","sentiment_score":0.03525434266775847},{"text":"Yep.","start":1254.865,"end":1255.265,"sentiment":"neutral","sentiment_score":0.16994927823543549},{"text":"Great.","start":1255.265,"end":1255.765,"sentiment":"positive","sentiment_score":0.5735054612159729}],"sentiment":"neutral","sentiment_score":0.036621349362226635,"num_words":39,"start":1240.3099,"end":1255.765},{"sentences":[{"text":"And you don't make any additional contributions.","start":1256.145,"end":1258.165,"sentiment":"neutral","sentiment_score":0.15815844599689757},{"text":"Otherwise, just that.","start":1258.4651,"end":1259.5851,"sentiment":"neutral","sentiment_score":0.10577985892693202},{"text":"No.","start":1259.5851,"end":1259.905,"sentiment":"neutral","sentiment_score":0.04233639687299728},{"text":"Perfect.","start":1259.905,"end":1260.405,"sentiment":"neutral","sentiment_score":0.26037484407424927},{"text":"When it comes to assets at the moment, I have a motor vehicle right at about 50,000.","start":1262.0,"end":1267.3,"sentiment":"neutral","sentiment_score":0.04642021382117972}],"sentiment":"neutral","sentiment_score":0.08676908878159934,"num_words":29,"start":1256.145,"end":1267.3},{"sentences":[{"text":"Yeah.","start":1269.76,"end":1270.26,"sentiment":"neutral","sentiment_score":0.016192810609936714},{"text":"Do you have anything owing on that one?","start":1270.4801,"end":1272.3401,"sentiment":"neutral","sentiment_score":0.001841371413320303},{"text":"No.","start":1273.52,"end":1273.92,"sentiment":"neutral","sentiment_score":-0.011187488213181496},{"text":"Perfect.","start":1273.92,"end":1274.42,"sentiment":"neutral","sentiment_score":0.09095703065395357},{"text":"Any other assets, motorbikes or boats or anything else?","start":1274.985,"end":1278.665,"sentiment":"neutral","sentiment_score":0.03861422919564777}],"sentiment":"neutral","sentiment_score":0.022911069355905055,"num_words":20,"start":1269.76,"end":1278.665},{"sentences":[{"text":"No.","start":1278.665,"end":1279.165,"sentiment":"neutral","sentiment_score":-0.016086271032691002},{"text":"Any other liabilities, like personal loans, credit cards, ZipPay?","start":1279.625,"end":1283.165,"sentiment":"neutral","sentiment_score":-0.015197151030103365},{"text":"Yep.","start":1289.0801,"end":1289.5801,"sentiment":"neutral","sentiment_score":0.062393881380558014},{"text":"Perfect.","start":1289.64,"end":1290.12,"sentiment":"neutral","sentiment_score":0.16843634843826294},{"text":"And do you know rough okay.","start":1290.12,"end":1295.16,"sentiment":"neutral","sentiment_score":0.05807893412808577}],"sentiment":"neutral","sentiment_score":0.023691289126873016,"num_words":18,"start":1278.665,"end":1295.16},{"sentences":[{"text":"Perfect.","start":1295.16,"end":1295.66,"sentiment":"neutral","sentiment_score":0.17005598545074463},{"text":"And did you say that you might use some of the inheritance to pay that off?","start":1295.88,"end":1300.14,"sentiment":"neutral","sentiment_score":0.0418016545008868},{"text":"Yep.","start":1300.2001,"end":1300.7001,"sentiment":"neutral","sentiment_score":0.1164013147354126},{"text":"That's great.","start":1301.9349,"end":1302.575,"sentiment":"positive","sentiment_score":0.418584406375885},{"text":"Perfect.","start":1302.575,"end":1303.075,"sentiment":"positive","sentiment_score":0.3733328580856323}],"sentiment":"neutral","sentiment_score":0.10313264014465469,"num_words":21,"start":1295.16,"end":1303.075},{"sentences":[{"text":"Any other loans or anything like that?","start":1303.1349,"end":1305.5549,"sentiment":"neutral","sentiment_score":0.10805986608777728},{"text":"No.","start":1306.4149,"end":1306.9149,"sentiment":"neutral","sentiment_score":0.01123211719095707},{"text":"Great.","start":1307.0549,"end":1307.5549,"sentiment":"neutral","sentiment_score":0.11403073370456696},{"text":"And you've never been declared bankrupt or been under a part nine debt agreement?","start":1308.335,"end":1312.4349,"sentiment":"neutral","sentiment_score":0.008752396197191306},{"text":"Okay.","start":1317.7899,"end":1318.2699,"sentiment":"neutral","sentiment_score":0.00865222979336977}],"sentiment":"neutral","sentiment_score":0.042202820419333875,"num_words":24,"start":1303.1349,"end":1318.2699},{"sentences":[{"text":"That was cleared.","start":1318.2699,"end":1319.33,"sentiment":"neutral","sentiment_score":0.01919751490155856},{"text":"Do you know yeah.","start":1320.2699,"end":1321.5499,"sentiment":"neutral","sentiment_score":-0.000675698509439826},{"text":"Perfect.","start":1321.5499,"end":1322.0499,"sentiment":"neutral","sentiment_score":0.09219811111688614},{"text":"Do you know roughly when it was cleared at all?","start":1323.23,"end":1326.075,"sentiment":"neutral","sentiment_score":-0.0034299181774258614},{"text":"What year?","start":1326.635,"end":1327.455,"sentiment":"neutral","sentiment_score":-0.026596812531352043}],"sentiment":"neutral","sentiment_score":0.0029797527473419904,"num_words":20,"start":1318.2699,"end":1327.455},{"sentences":[{"text":"Testing your memory.","start":1328.7949,"end":1329.855,"sentiment":"neutral","sentiment_score":-0.09835014243920644},{"text":"No.","start":1338.09,"end":1338.59,"sentiment":"neutral","sentiment_score":-0.12218305468559264},{"text":"That's okay.","start":1338.73,"end":1343.39,"sentiment":"neutral","sentiment_score":-0.07318925112485886},{"text":"Okay.","start":1348.1699,"end":1348.65,"sentiment":"neutral","sentiment_score":0.03107418492436409},{"text":"Perfect.","start":1348.65,"end":1349.15,"sentiment":"neutral","sentiment_score":0.08681416511535645}],"sentiment":"neutral","sentiment_score":-0.055715454276651144,"num_words":8,"start":1328.7949,"end":1349.15},{"sentences":[{"text":"Yep.","start":1349.5299,"end":1350.0299,"sentiment":"neutral","sentiment_score":0.033883873373270035},{"text":"Yep.","start":1352.235,"end":1352.735,"sentiment":"neutral","sentiment_score":0.025097936391830444},{"text":"Great.","start":1352.795,"end":1353.295,"sentiment":"neutral","sentiment_score":0.10392807424068452},{"text":"Otherwise, health and lifestyle, I have you here as a smoker.","start":1354.475,"end":1357.935,"sentiment":"neutral","sentiment_score":-0.08082094686952504},{"text":"What's that?","start":1360.555,"end":1361.035,"sentiment":"neutral","sentiment_score":-0.10268332436680794}],"sentiment":"neutral","sentiment_score":-0.0582179487682879,"num_words":16,"start":1349.5299,"end":1361.035},{"sentences":[{"text":"Sorry?","start":1361.035,"end":1361.535,"sentiment":"neutral","sentiment_score":-0.06637628376483917},{"text":"Yep.","start":1362.795,"end":1363.23,"sentiment":"neutral","sentiment_score":-0.018969839438796043},{"text":"Any medications or changes to your health otherwise?","start":1364.19,"end":1367.57,"sentiment":"neutral","sentiment_score":-0.04726700996980071},{"text":"No.","start":1370.11,"end":1370.61,"sentiment":"neutral","sentiment_score":-0.06334003806114197},{"text":"Perfect.","start":1370.75,"end":1371.25,"sentiment":"neutral","sentiment_score":-0.0012708157300949097}],"sentiment":"neutral","sentiment_score":-0.04400775472943982,"num_words":12,"start":1361.035,"end":1371.25},{"sentences":[{"text":"And do you have private health insurance?","start":1371.39,"end":1373.25,"sentiment":"neutral","sentiment_score":-0.028722517990640233},{"text":"Yep.","start":1376.205,"end":1376.6849,"sentiment":"neutral","sentiment_score":0.02999930828809738},{"text":"That's okay.","start":1376.6849,"end":1377.505,"sentiment":"neutral","sentiment_score":0.05254410579800606},{"text":"Just and when it comes to estate planning, do you have a will in place?","start":1377.805,"end":1383.985,"sentiment":"neutral","sentiment_score":0.00021104042728741987},{"text":"No.","start":1386.285,"end":1386.785,"sentiment":"neutral","sentiment_score":-0.09351202100515366}],"sentiment":"neutral","sentiment_score":-0.006012173871008249,"num_words":26,"start":1371.39,"end":1386.785},{"sentences":[{"text":"Yep.","start":1387.74,"end":1388.24,"sentiment":"neutral","sentiment_score":-0.04753923416137695},{"text":"Perfect.","start":1389.18,"end":1389.68,"sentiment":"neutral","sentiment_score":0.24290476739406583},{"text":"On the to do list.","start":1389.9,"end":1391.12,"sentiment":"neutral","sentiment_score":0.08308744281530381},{"text":"Would you like us to send you a bit of pricing and referrals to a firm that we work closely with?","start":1392.7,"end":1398.46,"sentiment":"neutral","sentiment_score":0.05176284931422699},{"text":"Or yep.","start":1398.46,"end":1399.2,"sentiment":"neutral","sentiment_score":0.01302782678976655}],"sentiment":"neutral","sentiment_score":0.057462607882916926,"num_words":30,"start":1387.74,"end":1399.2},{"sentences":[{"text":"That way, at least you have the email details and then pricing as well.","start":1400.105,"end":1403.7051,"sentiment":"neutral","sentiment_score":0.05272219416552356},{"text":"And if you find someone else, then, you know, at least it gives you a bit of a guide on on pricing and stuff.","start":1403.7051,"end":1408.765,"sentiment":"neutral","sentiment_score":0.01176743331598118},{"text":"Yep.","start":1409.305,"end":1409.805,"sentiment":"neutral","sentiment_score":0.03917256742715835},{"text":"But you don't have anyone who makes any financial decisions on your behalf otherwise.","start":1410.8251,"end":1414.765,"sentiment":"neutral","sentiment_score":-0.11787990454052176},{"text":"Right?","start":1414.905,"end":1415.405,"sentiment":"neutral","sentiment_score":-0.1434287428855896}],"sentiment":"neutral","sentiment_score":-0.013593439280089957,"num_words":54,"start":1400.105,"end":1415.405},{"sentences":[{"text":"And are you politically exposed at all?","start":1416.0199,"end":1418.76,"sentiment":"neutral","sentiment_score":-0.19716725179127284},{"text":"Right.","start":1420.5,"end":1420.8999,"sentiment":"neutral","sentiment_score":-0.0731905847787857},{"text":"And you don't earn any income overseas?","start":1420.8999,"end":1422.6799,"sentiment":"neutral","sentiment_score":-0.10926967433520726},{"text":"Not perfect.","start":1424.5,"end":1425.24,"sentiment":"negative","sentiment_score":-0.40545015037059784},{"text":"And I do have here all your superannuation.","start":1425.86,"end":1428.5199,"sentiment":"neutral","sentiment_score":0.01579795917496085}],"sentiment":"neutral","sentiment_score":-0.11611062780022621,"num_words":25,"start":1416.0199,"end":1428.5199},{"sentences":[{"text":"So in the event that something happened to you, I have a fifty fifty split for Cassidy and Indiana.","start":1428.82,"end":1435.865,"sentiment":"neutral","sentiment_score":0.049554619742067235},{"text":"That's still correct?","start":1436.005,"end":1437.225,"sentiment":"neutral","sentiment_score":0.058517999947071075},{"text":"Yep.","start":1438.245,"end":1438.745,"sentiment":"neutral","sentiment_score":0.19474713504314425},{"text":"Perfect.","start":1438.805,"end":1439.305,"sentiment":"positive","sentiment_score":0.483875572681427},{"text":"Now that was basically everything that I needed to confirm on my end.","start":1440.5651,"end":1446.985,"sentiment":"positive","sentiment_score":0.3455374515973605}],"sentiment":"neutral","sentiment_score":0.16993787441704725,"num_words":37,"start":1428.82,"end":1446.985},{"sentences":[{"text":"So like I said, I will go and do some research on those investments for you to see if we can swap a few things to improve the the returns and everything there for you, still keeping you in a high growth, and I will consider that SMA as well for you.","start":1447.66,"end":1461.495,"sentiment":"neutral","sentiment_score":0.3091904094012884},{"text":"Obviously, leaving assurances the way that they are, that's all doing well.","start":1462.375,"end":1466.235,"sentiment":"positive","sentiment_score":0.4307945842544238},{"text":"I will get the mortgage broker to reach out as well to kind of at least start that process of seeing a borrowing capacity and everything like that.","start":1466.855,"end":1474.295,"sentiment":"neutral","sentiment_score":0.20854872465133667},{"text":"And then, obviously, keep me up to date with how everything is going.","start":1474.295,"end":1477.54,"sentiment":"neutral","sentiment_score":0.23952018068386957},{"text":"And then once you have finalized that, we can always do new advice, just focusing on, you know, personal investment or investment bonds or whatever it might be, that you would like to do with the remainder of the money as well.","start":1477.76,"end":1489.54,"sentiment":"neutral","sentiment_score":0.11519475848901839}],"sentiment":"neutral","sentiment_score":0.2383587945277999,"num_words":147,"start":1447.66,"end":1489.54},{"sentences":[{"text":"But is there anything else that you need from me or any other questions that you have before I let you go otherwise?","start":1490.5549,"end":1496.495,"sentiment":"neutral","sentiment_score":0.04907400088141794},{"text":"No?","start":1497.9149,"end":1498.4149,"sentiment":"neutral","sentiment_score":-0.06336402893066406},{"text":"That's 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tomorrow.","start":1506.9299,"end":1514.87,"sentiment":"neutral","sentiment_score":0.06278300775034774},{"text":"Perfect.","start":1518.13,"end":1518.63,"sentiment":"neutral","sentiment_score":0.13649994134902954},{"text":"As soon as I do, though, I'll give you a call and run through that with you, and then we can take it from there.","start":1519.3251,"end":1523.5651,"sentiment":"neutral","sentiment_score":0.12936144903302194}],"sentiment":"neutral","sentiment_score":0.10532956068803156,"num_words":70,"start":1501.4349,"end":1523.5651},{"sentences":[{"text":"And then you can always give me a bit of an update on, you know, the property and and what's happened as well.","start":1523.5651,"end":1528.145,"sentiment":"neutral","sentiment_score":0.17449684570664944},{"text":"Yep.","start":1528.205,"end":1528.705,"sentiment":"neutral","sentiment_score":0.1638103723526001},{"text":"Yep.","start":1528.845,"end":1529.345,"sentiment":"neutral","sentiment_score":0.20833387970924375},{"text":"Perfect.","start":1529.805,"end":1530.305,"sentiment":"positive","sentiment_score":0.7424839735031128},{"text":"Well, if you don't have any other questions, Matthew, I will let you go and enjoy your afternoon, and I look forward to speaking with you soon again.","start":1530.365,"end":1536.8301,"sentiment":"positive","sentiment_score":0.5165717676281929}],"sentiment":"positive","sentiment_score":0.3628160216742092,"num_words":54,"start":1523.5651,"end":1536.8301},{"sentences":[{"text":"No problem.","start":1539.37,"end":1539.93,"sentiment":"positive","sentiment_score":0.5449407696723938},{"text":"We'll speak soon.","start":1539.93,"end":1540.91,"sentiment":"positive","sentiment_score":0.3827289938926697},{"text":"Thanks.","start":1542.41,"end":1542.91,"sentiment":"positive","sentiment_score":0.5937612056732178},{"text":"Bye.","start":1542.9701,"end":1543.4701,"sentiment":"neutral","sentiment_score":-0.11625081300735474}],"sentiment":"positive","sentiment_score":0.3879398448126657,"num_words":7,"start":1539.37,"end":1543.4701}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Speaking. Good. How are you? Yes. It's fine. Yep. That's fine. Yeah. It's Matthew Troy Halliday. Thirteenth the second nineteen eighty six. 8 Barnett Street, Ashcroft, New South Wales 2168. Day. It's not too bad. Busy. Yes. Yep. So I'm going to get a bit of an inheritance very shortly. I just wanna know the best way to sort of invest that. It's possibly around about 200,000, and the house settles on the March 25. So the I don't know how long that takes to sort of come through. But yeah. Yep. Yep. Yep. Yep. So I would yeah. I'd I'd probably use a chunk of that as, like, a a deposit to put down on the house. And I work here, obviously, to pay and all that sort of stuff. So I wanna get them paid off and yeah. Yeah. And and that's the hardest thing because I'm a single income, so it's sort of limits me to how much I can borrow and all that sort of stuff. So, yeah, I don't know where I wanna buy yet. So, ideally, I'd love to move down the coast, but I don't know when. No. Not really. No. Nothing. Yeah. Yeah. Yeah. Yeah. Yeah. That that's what I was thinking. Like, in in the short term, I could probably put it into a bank account and just let it grow into a sort of yeah. I can work out what I wanna do. You know what I mean? Like, as I said, the ultimate goal is to buy a property, just until I can Yeah. Yeah. Yeah. So yeah. Yeah. So I've currently got a lot of my credit sales, which is running out. I mean, it's like 4.5. I don't know what it is exactly. Yeah. So I was just thinking about maybe just chuck it into there and just, you know, let that sort of grow into my workout. That's exactly right. I'm unlocking your super or something like that, and that's Yeah. Yes. Yes. Yes. Mhmm. Yes. Yes. Yes. Yeah. Yeah. Yeah. Yep. Yep. Mhmm. Anytime sort of, like, after 05:00. Yes. Yes. Yes. Yes. Yeah. It's just a zero update. Yeah. Not really yeah. Besides that, there's nothing else really. Mhmm. Yeah. Yeah. I check it every now and again. It looks like it's gone down over the last couple of days. So I checked it. Seven hours at a 105. So yeah. Yeah. Mhmm. Yep. Yeah. Yeah. Mhmm. Yes. Yes. Yeah. Mhmm. Yes. Mhmm. Yes. Yes. Yeah. Yeah. It's more like a risk, so you can take more risk than sort of like a somebody else. Mhmm. Yes. Yes. Mhmm. Yes. Yes. Yes. Yes. No. No. No. Yep. Yep. Yes. Yeah. Yes. Yes. Yeah. Yeah. Not sure. But it's really like, it only means that you can just make changes without sort of all the backwards and forwards there. Right? Mhmm. Yeah. Yes. Yeah. Mongo. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Now we'll we'll we'll have the new the new one where you can just do the hang this quickly. Yep. Yes. Yeah. Yeah. Mhmm. Yes. Yes. Mhmm. Yes. Yes. Yes. Yes. Yeah. Yeah. Mhmm. Yep. I'll have only one very shortly in about a week. Yeah. One Sunday thing. Yep. Yep. Okay. Yep. It is 0405 819, 113. Yep. No. It's I've got a new job, so it's gone up to 80,000. Yeah. The same thing. Yeah. Yeah. Yeah. Are they called spec fast, s t e c? F a s t. No. I think Yeah. Yeah. There it goes. Yeah. No. Yeah. I've got some I've got personal loan. I think it's, like, 30,000. Yeah. I'll I'll use yeah. No. I think I was under a part nine integrated in our gender. Yeah. I'd say shit. Just trying to work it out. Probably 2014. Hereabouts 2013, 2014. No. Yes. No. I've only got extras. That's it. No. I don't. But at least one thing in my opinion is to get that. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Exactly right. No. No. Mhmm. Yep. Yep. Yes. Yes. Mhmm. Yes. Yes. Mhmm. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. No. No. No. No. Yes. Yep. Yep. Not a problem at all. Thank you very much. Alright. Thank you. 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Yes. Speaking. Good. How are you?\n\nYes. It's fine. Yep. That's fine. Yeah.\n\nIt's Matthew Troy Halliday. Thirteenth the second nineteen eighty six. 8 Barnett Street, Ashcroft, New South Wales 2168. Day. It's not too bad.\n\nBusy. Yes. Yep. So I'm going to get a bit of an inheritance very shortly. I just wanna know the best way to sort of invest that.\n\nIt's possibly around about 200,000, and the house settles on the March 25. So the I don't know how long that takes to sort of come through. But yeah. Yep. Yep.\n\nYep. Yep. So I would yeah. I'd I'd probably use a chunk of that as, like, a a deposit to put down on the house. And I work here, obviously, to pay and all that sort of stuff.\n\nSo I wanna get them paid off and yeah. Yeah. And and that's the hardest thing because I'm a single income, so it's sort of limits me to how much I can borrow and all that sort of stuff. So, yeah, I don't know where I wanna buy yet. So, ideally, I'd love to move down the coast, but I don't know when.\n\nNo. Not really. No. Nothing. Yeah.\n\nYeah. Yeah. Yeah. Yeah. That that's what I was thinking.\n\nLike, in in the short term, I could probably put it into a bank account and just let it grow into a sort of yeah. I can work out what I wanna do. You know what I mean? Like, as I said, the ultimate goal is to buy a property, just until I can Yeah. Yeah.\n\nYeah. So yeah. Yeah. So I've currently got a lot of my credit sales, which is running out. I mean, it's like 4.5.\n\nI don't know what it is exactly. Yeah. So I was just thinking about maybe just chuck it into there and just, you know, let that sort of grow into my workout. That's exactly right. I'm unlocking your super or something like that, and that's Yeah.\n\nYes. Yes. Yes. Mhmm. Yes.\n\nYes. Yes. Yeah. Yeah. Yeah.\n\nYep. Yep. Mhmm. Anytime sort of, like, after 05:00. Yes.\n\nYes. Yes. Yes. Yeah. It's just a zero update.\n\nYeah. Not really yeah. Besides that, there's nothing else really. Mhmm. Yeah.\n\nYeah. I check it every now and again. It looks like it's gone down over the last couple of days. So I checked it. Seven hours at a 105.\n\nSo yeah. Yeah. Mhmm. Yep. Yeah.\n\nYeah. Mhmm. Yes. Yes. Yeah.\n\nMhmm. Yes. Mhmm. Yes. Yes.\n\nYeah. Yeah. It's more like a risk, so you can take more risk than sort of like a somebody else. Mhmm. Yes.\n\nYes. Mhmm. Yes. Yes. Yes.\n\nYes. No. No. No. Yep.\n\nYep. Yes. Yeah. Yes. Yes.\n\nYeah. Yeah. Not sure. But it's really like, it only means that you can just make changes without sort of all the backwards and forwards there. Right?\n\nMhmm. Yeah. Yes. Yeah. Mongo.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Now we'll we'll we'll have the new the new one where you can just do the hang this quickly. Yep. Yes. Yeah.\n\nYeah. Mhmm. Yes. Yes. Mhmm.\n\nYes. Yes. Yes. Yes. Yeah.\n\nYeah. Mhmm. Yep. I'll have only one very shortly in about a week. Yeah.\n\nOne Sunday thing. Yep. Yep. Okay. Yep.\n\nIt is 0405 819, 113. Yep. No. It's I've got a new job, so it's gone up to 80,000. Yeah.\n\nThe same thing. Yeah. Yeah. Yeah. Are they called spec fast, s t e c?\n\nF a s t. No. I think Yeah. Yeah. There it goes.\n\nYeah. No. Yeah. I've got some I've got personal loan. I think it's, like, 30,000.\n\nYeah. I'll I'll use yeah. No. I think I was under a part nine integrated in our gender. Yeah.\n\nI'd say shit. Just trying to work it out. Probably 2014. Hereabouts 2013, 2014. No.\n\nYes. No. I've only got extras. That's it. No.\n\nI don't. But at least one thing in my opinion is to get that. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Exactly right.\n\nNo. No. Mhmm. Yep. Yep.\n\nYes. Yes. Mhmm. Yes. Yes.\n\nMhmm. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nNo. No. No. No. Yes.\n\nYep. Yep. Not a problem at all. Thank you very much. Alright.\n\nThank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.04647407308220863},{"text":"Yes.","start":4.3199997,"end":4.48,"sentiment":"neutral","sentiment_score":0.11900606751441956},{"text":"Speaking.","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.09435321390628816},{"text":"Good.","start":9.28,"end":9.5199995,"sentiment":"positive","sentiment_score":0.4421844482421875},{"text":"How are you?","start":9.5199995,"end":10.34,"sentiment":"neutral","sentiment_score":0.28303078810373944}],"sentiment":"neutral","sentiment_score":0.22158716672233172,"num_words":7,"start":1.04,"end":10.34},{"sentences":[{"text":"Yes.","start":16.375,"end":16.615,"sentiment":"neutral","sentiment_score":0.20180250704288483},{"text":"It's 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right.","start":1408.255,"end":1409.315,"sentiment":"neutral","sentiment_score":0.024251302238553762}],"sentiment":"neutral","sentiment_score":0.023128677004327376,"num_words":6,"start":1402.64,"end":1409.315},{"sentences":[{"text":"No.","start":1413.9349,"end":1414.4349,"sentiment":"neutral","sentiment_score":-0.19335046410560608},{"text":"No.","start":1423.63,"end":1424.13,"sentiment":"negative","sentiment_score":-0.3387211263179779},{"text":"Mhmm.","start":1446.615,"end":1447.115,"sentiment":"neutral","sentiment_score":0.12725621461868286},{"text":"Yep.","start":1454.97,"end":1455.47,"sentiment":"positive","sentiment_score":0.35351085662841797},{"text":"Yep.","start":1461.53,"end":1462.03,"sentiment":"neutral","sentiment_score":0.26946234703063965}],"sentiment":"neutral","sentiment_score":0.043631565570831296,"num_words":5,"start":1413.9349,"end":1462.03},{"sentences":[{"text":"Yes.","start":1472.085,"end":1472.585,"sentiment":"neutral","sentiment_score":0.1484244465827942},{"text":"Yes.","start":1472.8049,"end":1473.3049,"sentiment":"neutral","sentiment_score":0.1207299381494522},{"text":"Mhmm.","start":1475.2849,"end":1475.7,"sentiment":"neutral","sentiment_score":0.19165343046188352},{"text":"Yes.","start":1478.26,"end":1478.76,"sentiment":"neutral","sentiment_score":0.11269129067659378},{"text":"Yes.","start":1484.4199,"end":1484.9199,"sentiment":"neutral","sentiment_score":0.06293579936027527}],"sentiment":"neutral","sentiment_score":0.1272869810461998,"num_words":5,"start":1472.085,"end":1484.9199},{"sentences":[{"text":"Mhmm.","start":1488.26,"end":1488.76,"sentiment":"neutral","sentiment_score":0.03369513154029846},{"text":"Yep.","start":1489.975,"end":1490.475,"sentiment":"neutral","sentiment_score":0.1140378639101982},{"text":"Yeah.","start":1513.64,"end":1513.9601,"sentiment":"neutral","sentiment_score":0.0082785002887249},{"text":"Yeah.","start":1513.9601,"end":1514.04,"sentiment":"neutral","sentiment_score":0.02068246714770794},{"text":"Yeah.","start":1514.04,"end":1514.4401,"sentiment":"neutral","sentiment_score":0.01682339236140251}],"sentiment":"neutral","sentiment_score":0.038703471049666406,"num_words":5,"start":1488.26,"end":1514.4401},{"sentences":[{"text":"Yeah.","start":1514.4401,"end":1514.76,"sentiment":"neutral","sentiment_score":0.04020438343286514},{"text":"Yeah.","start":1514.76,"end":1514.8401,"sentiment":"neutral","sentiment_score":0.03642463684082031},{"text":"Yeah.","start":1514.8401,"end":1515.3401,"sentiment":"neutral","sentiment_score":0.03261698782444},{"text":"Yeah.","start":1515.4,"end":1515.8,"sentiment":"neutral","sentiment_score":0.006046708673238754},{"text":"No.","start":1515.8,"end":1515.8801,"sentiment":"neutral","sentiment_score":-0.09817534685134888}],"sentiment":"neutral","sentiment_score":0.003423473984003067,"num_words":5,"start":1514.4401,"end":1515.8801},{"sentences":[{"text":"No.","start":1515.8801,"end":1515.9601,"sentiment":"neutral","sentiment_score":-0.14376689493656158},{"text":"No.","start":1515.9601,"end":1516.4401,"sentiment":"neutral","sentiment_score":-0.17853215336799622},{"text":"No.","start":1516.4401,"end":1516.68,"sentiment":"neutral","sentiment_score":-0.2080482393503189},{"text":"No.","start":1516.68,"end":1517.18,"sentiment":"neutral","sentiment_score":-0.11700676381587982},{"text":"Yes.","start":1527.895,"end":1528.395,"sentiment":"neutral","sentiment_score":0.19011437892913816}],"sentiment":"neutral","sentiment_score":-0.09144793450832367,"num_words":5,"start":1515.8801,"end":1528.395},{"sentences":[{"text":"Yep.","start":1528.695,"end":1529.195,"sentiment":"neutral","sentiment_score":0.15708239376544952},{"text":"Yep.","start":1533.63,"end":1534.13,"sentiment":"positive","sentiment_score":0.4413090646266937},{"text":"Not a problem at all.","start":1537.23,"end":1538.1901,"sentiment":"positive","sentiment_score":0.5569506645202636},{"text":"Thank you very much.","start":1538.1901,"end":1539.17,"sentiment":"positive","sentiment_score":0.8260619789361954},{"text":"Alright.","start":1541.15,"end":1541.63,"sentiment":"positive","sentiment_score":0.36208492517471313}],"sentiment":"positive","sentiment_score":0.5874564684927464,"num_words":12,"start":1528.695,"end":1541.63},{"sentences":[{"text":"Thank you.","start":1541.63,"end":1542.03,"sentiment":"positive","sentiment_score":0.646973729133606},{"text":"Bye bye.","start":1542.03,"end":1542.6901,"sentiment":"neutral","sentiment_score":0.3210828900337219}],"sentiment":"positive","sentiment_score":0.48402830958366394,"num_words":4,"start":1541.63,"end":1542.6901}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Matthew?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: This is Veronica from OCU Financial. How are you this afternoon?\n\nChannel 1: Good. How are you?\n\nChannel 0: Good. Thanks. I had you booked in for a bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yes. It's\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls\n\nChannel 1: fine.\n\nChannel 0: are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?\n\nChannel 1: Yeah. It's Matthew Troy Halliday. Thirteenth the second nineteen eighty six. 8 Barnett Street, Ashcroft, New South Wales 2168.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? Been busy?\n\nChannel 1: Day. It's not too bad. Busy.\n\nChannel 0: Oh, that's good. Now, Matthew, I did have you booked in for a bit of a quarterly review, and then I believe as well that you had some potential advice questions and stuff that you want to address today as well.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So if we start with, I guess, like, your questions and what it is that you want to focus on today, and then we can always work through the other stuff.\n\nChannel 1: Yep. So I'm going to get a bit of an inheritance very shortly.\n\nChannel 0: Yeah.\n\nChannel 1: I just wanna know the best way to sort of invest that.\n\nChannel 0: Now do you know how much you're getting and when?\n\nChannel 1: It's possibly around about 200,000, and the house settles on the March 25. So the I don't know how long that takes\n\nChannel 0: Okay. Okay.\n\nChannel 1: to sort\n\nChannel 0: Perfect.\n\nChannel 1: of come through. But yeah.\n\nChannel 0: Yep. Now there are a lot of different things, obviously, you can do depending on what your goals are and what you are trying to achieve.\n\nChannel 1: Yep.\n\nChannel 0: So, typically, it's more so what what your goals are, and then we would work from there with potential different strategies in trying to achieve that.\n\nChannel 1: Yep.\n\nChannel 0: So I can see here that, obviously, when we have spoken to you before so during, I think, there was the last annual review you had with my colleague, Dana, there is a note that your focus was to tryna save up to buy a property.\n\nChannel 1: Yep.\n\nChannel 0: Is that still a\n\nChannel 1: Yep.\n\nChannel 0: goal\n\nChannel 1: So\n\nChannel 0: for you?\n\nChannel 1: I would yeah. I'd I'd probably use a chunk of that as, like, a a\n\nChannel 0: Yep.\n\nChannel 1: deposit to put down on the house. And I work here, obviously, to pay and all that sort of stuff. So I wanna get them paid off and\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: So kind of using a portion for property. Do you know what kind of properties you're looking at? Like, how much they'd be worth?\n\nChannel 1: Yeah. And and that's the hardest thing because I'm a single income, so it's sort of limits me to how much I can borrow and all that sort of stuff. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I don't know where I wanna buy yet. So, ideally,\n\nChannel 0: Okay.\n\nChannel 1: I'd love to move down the coast, but I don't know when.\n\nChannel 0: Yep. Just say kind of so using, obviously, chunks. Do you have any other, you know, savings and stuff like that that would be used through deposit as well, or would it\n\nChannel 1: No.\n\nChannel 0: mainly\n\nChannel 1: Not\n\nChannel 0: be\n\nChannel 1: really.\n\nChannel 0: okay. So obviously, using a portion for property. Now have you spoken to a mortgage broker or anything?\n\nChannel 1: No.\n\nChannel 0: Like, have\n\nChannel 1: Nothing.\n\nChannel 0: you no. If you would like me to, I'd be happy to get one of our our mortgage brokers to give you a call. I would say that would kind of be the first step as well because it's a little bit hard to know, okay. Well, how much money do\n\nChannel 1: Yeah.\n\nChannel 0: we have left over? What do we wanna invest with it? Until you kind of know at least the property side of,\n\nChannel 1: Yeah.\n\nChannel 0: you know, how much\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: excess cash.\n\nChannel 1: Yeah. That that's what I\n\nChannel 0: So\n\nChannel 1: was thinking. Like, in in the short\n\nChannel 0: Yeah.\n\nChannel 1: term, I could probably put it into a bank account and just let it grow into a sort of\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Just\n\nChannel 1: I can\n\nChannel 0: ex\n\nChannel 1: work out what I wanna do. You know what I mean? Like, as I said, the ultimate goal is to buy a property,\n\nChannel 0: Yeah. Yes. And that\n\nChannel 1: just\n\nChannel 0: obviously\n\nChannel 1: until\n\nChannel 0: changed\n\nChannel 1: I can\n\nChannel 0: exactly. And that changed as well because, obviously, like, time frame depends on, you know, the style of investment. And if it is for property, I'd be happy to send you if it is that you're looking for just, like, general savings for the time being until you know the property,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I'm happy to send you just some general information on, you know, different savings account and stuff like that. I'm not a lender, so I can't give you any\n\nChannel 1: Yeah.\n\nChannel 0: of that, but\n\nChannel 1: So\n\nChannel 0: just some some\n\nChannel 1: yeah.\n\nChannel 0: general options. If not, the lender will be the best one to know as well in terms of, you know, high interest savings account and stuff like that.\n\nChannel 1: Yeah. So I've currently got a lot of my credit sales, which is running out. I mean, it's like 4.5. I don't know what it is exactly.\n\nChannel 0: That's that's pretty good. Yeah.\n\nChannel 1: Yeah. So I was just\n\nChannel 0: Okay.\n\nChannel 1: thinking about maybe just chuck it into there and just, you know,\n\nChannel 0: Yeah.\n\nChannel 1: let that sort of grow into my workout.\n\nChannel 0: Yes. And that's typically the best way if especially because we don't wanna lock it in if you are looking to buy a\n\nChannel 1: That's\n\nChannel 0: property\n\nChannel 1: exactly\n\nChannel 0: in in\n\nChannel 1: right. I'm unlocking your super or something like that, and\n\nChannel 0: exactly.\n\nChannel 1: that's\n\nChannel 0: Even, you know, term deposits. Exactly. Or anything like that. Like, you'd wanna have the flexibility. So, obviously, a high interest savings account is is a great option, and that's what a lot of people do\n\nChannel 1: Yeah.\n\nChannel 0: until they figure out from the property side. Then when you do have a property, like, once you know how much you wanna borrow, once you know how much you need for the deposit and you know how much extra you have, then\n\nChannel 1: Yes.\n\nChannel 0: we can always be like, okay. Well, if that's 50 or 20 or however much you have left that you go, you\n\nChannel 1: Yes.\n\nChannel 0: know what? I'm happy to lock this in for a longer period, or my\n\nChannel 1: Yes.\n\nChannel 0: goal is to have, you know, diversified in different investment options and, you know, draw an income, like, whatever that might be.\n\nChannel 1: Mhmm.\n\nChannel 0: We\n\nChannel 1: Yes.\n\nChannel 0: can then work on different strategies for that. But I would say\n\nChannel 1: Yes.\n\nChannel 0: the first point would be at least just to get a bit of an idea from the mortgage broker, okay, with with your current situation, like you said as well with the single income,\n\nChannel 1: Yes.\n\nChannel 0: the properties you're looking at, what could you borrow, what kind of properties would that get you, and then we can always work from there. So are you happy for me to pass on your\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: email\n\nChannel 1: Yeah.\n\nChannel 0: and contact details to the lender to give you a bit of a call\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: to have a general catch up? Perfect. And when is a a best time for you typically?\n\nChannel 1: Mhmm. Anytime sort of, like, after 05:00.\n\nChannel 0: Okay. So after five, kind of Monday to Thursday, Monday to Friday. Yep. Perfect. I will send a bit of an introduction email as well so that you have their contact details as well.\n\nBut they typically\n\nChannel 1: Yes.\n\nChannel 0: give you a bit of a call first and just run through some different scenarios that you can work on all the figures and stuff like that. And then that's a good starting point for you as well to see where how much you actually could borrow\n\nChannel 1: Yes.\n\nChannel 0: and, you know, if you need to save a bit more or whether you can use just a portion of that\n\nChannel 1: Yes.\n\nChannel 0: and kind of take it from there. And then once you have kind of sorted that out, obviously, let me know and keep me up to date, and then we can work on, okay. Well, how much extra do we have, and what do we now wanna do with\n\nChannel 1: Yes.\n\nChannel 0: that? Yeah. Perfect. Now aside from from that, which is obviously exciting for you as well, a couple of other financial goals there for you, Is there any other areas or or stuff you want me to focus on or just a bit of an update on, you know, your account and what's happened in the last couple of months?\n\nChannel 1: Yeah. It's just a zero update. Yeah. Not really\n\nChannel 0: Yep.\n\nChannel 1: yeah. Besides that, there's nothing else really.\n\nChannel 0: Yep. Okay. Perfect. Now I know that you did a bit of a a big advice strategy with my colleague, Dana, again about a year ago, which is great. That's obviously all sorted and finalized for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And your superannuation in Hub 24 at the moment, so right now, it's at 103,886. Do you keep an eye on your superannuation a\n\nChannel 1: Yeah.\n\nChannel 0: lot? Do you have\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: app\n\nChannel 1: check\n\nChannel 0: on the\n\nChannel 1: it every\n\nChannel 0: phone?\n\nChannel 1: now and again. It looks like it's gone down over the last couple of days. So I checked it. Seven hours at a 105. So\n\nChannel 0: Yeah. There's obviously been there's been a lot of fluctuations in the market recently with, obviously,\n\nChannel 1: yeah.\n\nChannel 0: everything going on in the world.\n\nChannel 1: Yeah.\n\nChannel 0: And with your investments as well. Now after this call, it it's up to you. So if you would like, we can kind of bring forward the annual review a little bit and do a bit more comprehensive today because I would like to kind of go into the investments in a bit more detail and potentially look at swapping one option out for you.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So what I can do after the call is I can get the team as well just to send you, like, the general annual review documents just for your review. And\n\nChannel 1: Yeah.\n\nChannel 0: then the documents that need signing, I'll just include that in the research paper, a bit later so we can do it all at one go.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So, basically, if we look at your investments, obviously, in hub twenty four, like I said, we have seen a bit of fluctuations in the market. Some of it is more like you stick with all trends and different options that's that's going on. But there is one particular investment that I do wanna address a little bit more, which is your Benelon\n\nChannel 1: Mhmm.\n\nChannel 0: Australian equity. Now that one was obviously recommended last year for you. It was doing really well. And the purpose behind this particular investment is to give you the active management approach. So they are a managed fund, and how that work is that they work a little bit different in that they are trying to actively buy and sell different investments in order to try to outperform the market.\n\nChannel 1: Yes.\n\nChannel 0: So it's a little bit different through the the other investments, which are more your your passive index funds that we would call it. So,\n\nChannel 1: Yes.\n\nChannel 0: for example, one of them is iShares S and P five hundred, which essentially attracts their 500 largest companies listed in The US. So how that works is, obviously, if there is a company that gets bigger, it will get included in the investment. If that one that gets smaller, it kind of falls out. It kind of just tracks\n\nChannel 1: Yeah.\n\nChannel 0: the biggest 500. Does that make sense? Yeah. So the concept is a little bit different between them. And like I said, Benelon was to try to outperform that.\n\nNow they have underperformed a little bit recently, so I would like to look at swapping that one out for you.\n\nChannel 1: Mhmm.\n\nChannel 0: One\n\nChannel 1: Yes.\n\nChannel 0: of the reasons that they have kind of underperformed is that one of their investments that they have in their portfolio is the corporate travel group. I'm not sure if you've heard on the news or seen or anything, but they had a bit of issues with their reporting, which actually caused them to suspend some trading. So, obviously, you saw a\n\nChannel 1: Mhmm.\n\nChannel 0: bit of fluctuations and the investment dropped because of it. Now we've done a lot of extensive research on the investment, and they can the the the fund itself has been a little slow in making changes. So what I would like to do is review that investment for you and see if we can make a couple of tweaks and changes to make sure that we improve the returns a little bit for you and make sure that we always have you in the best option possible.\n\nChannel 1: Yes.\n\nChannel 0: Yep. You're happy for me to do that?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Perfect. Now with your portfolio as a whole as well, we do have you currently invested in a high growth portfolio. And I know that last year, you went over kind of that risk profile questionnaire where you kind of answered all the questions about fluctuations and tolerance to risk and stuff like that. And\n\nChannel 1: Yeah.\n\nChannel 0: you did come out as a high growth investor. Do you remember what it means to be a high growth investor?\n\nChannel 1: It's more like a risk, so you can take more risk than sort of like a somebody else.\n\nChannel 0: Yeah. Kind of. So it is it is where you are comfortable seeing fluctuations and bit of ups\n\nChannel 1: Mhmm.\n\nChannel 0: and downs in the short term in order to try and get you higher returns in the long term. And what that typically\n\nChannel 1: Yes.\n\nChannel 0: means that in about one to five years so every one in five years, you will have a negative year in order to tryna then outperform it in the long term, and then the other years to tryna obviously grow that. So\n\nChannel 1: Yes.\n\nChannel 0: it is also factoring in from a time frame point of view, making sure that you do have enough time in the market for those fluctuations. And, typically, in a high growth portfolio, we want to allow minimum eight years until retirement, which you certainly\n\nChannel 1: Mhmm.\n\nChannel 0: have. So from a time frame point of view, it is in a very good position as long as you are still comfortable seeing a bit of fluctuations in the short term in order to try to grow that full retirement\n\nChannel 1: Yes.\n\nChannel 0: in the long term. Are you still happy\n\nChannel 1: Yes.\n\nChannel 0: with, like, your high\n\nChannel 1: Yes.\n\nChannel 0: growth? Yep. Perfect. And, typically, we see about, a 9010. So ninety percent in your growth investment, which will be your Australian shares, your international shares, property, and commodity, and then about 10% in defensive, which is, like, your cash, your fixed interest, and then gold kind of falls into both categories a little bit.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. So I'll have a look into those investments a little bit and to see that for you. But while I am researching your superannuation, I did wanted to check if you have recently read our newsletter at all.\n\nChannel 1: No.\n\nChannel 0: No. No. That's okay. So, essentially, we recently have partnered up with BlackRock, which you may have heard of.\n\nChannel 1: No.\n\nChannel 0: No. They are one of the biggest fund managers, and we have partnered up with them to create something that's called an SMA. Have you ever heard of that before? No. So an SMA, it is a self managed account.\n\nChannel 1: No. Yep.\n\nChannel 0: It is a little bit different to how your investments are currently structured in Hub twenty four. So the biggest kind of difference is, at the moment, with your investments, if you log in to your Hub twenty four, you will see each and every single one of those investments.\n\nChannel 1: Yep.\n\nChannel 0: And if we want to go and make a change to one of them, like now, for example, with Benelon, I will go and do all the research for you. I will then put together a proposal in a statement of advice. I will run that through with you, and then you would have to agree to the change before we can swap anything out.\n\nChannel 1: Yes.\n\nChannel 0: So it is a bit of a lengthy, obviously, on on the process and the compliance point, but then that gives you the full control of deciding if you are happy with the change or not. How\n\nChannel 1: Yeah.\n\nChannel 0: the estimate is a little bit different is that you invest in a portfolio. And then you you can still see when you log in to your account the different breakdowns of the different investments. It's a similar concept. But,\n\nChannel 1: Yes.\n\nChannel 0: otherwise, you kind of just see that you invested in a particular portfolio. So what that allows us to do is that we can very quickly make changes without having to go through that process of you approving it. So you'll\n\nChannel 1: Yes.\n\nChannel 0: still get notified of the change, but it will take away kind of, like, the paperwork and the kind of lengthy process because we can just quickly make a change to investments if we foresee it being so. And, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: partnering up with Blackhawk, we get access to all their expertise and softwares and everything like that as well.\n\nChannel 1: Yeah.\n\nChannel 0: Is that a approach that you are comfortable with, or do you prefer how things are currently structured for you?\n\nChannel 1: Not sure.\n\nChannel 0: No?\n\nChannel 1: But it's really like, it only means that you can just make changes without sort of all the backwards and forwards there. Right?\n\nChannel 0: Correct. It literally just means that we can very quickly like, if we foresee something changing and we're like, okay. Quickly, let's swap out this investment for something else before,\n\nChannel 1: Mhmm.\n\nChannel 0: let's say, it drops too much or or\n\nChannel 1: Yeah.\n\nChannel 0: before anything changes, we can quickly do that in the back end. We'll send you the information of, you know, this is obviously changed and the reasons why, but we can quickly make the change.\n\nChannel 1: Yes.\n\nChannel 0: Otherwise, the way that it is now is that we can still obviously make the change, but the process takes a lot longer.\n\nChannel 1: Yeah. Mongo.\n\nChannel 0: And, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: because of that, sometimes there could be you know, obviously, it takes longer. They could fluctuate more in that time\n\nChannel 1: Yeah.\n\nChannel 0: frame.\n\nChannel 1: Yeah.\n\nChannel 0: So that is kind of the biggest benefit with the SMA is that we can kind of a bit more proactively do\n\nChannel 1: Yeah.\n\nChannel 0: that change\n\nChannel 1: Yeah.\n\nChannel 0: in the back end for you.\n\nChannel 1: Yeah. Now we'll we'll we'll have the new the new one where you can just do the hang this quickly.\n\nChannel 0: A bit quicker. Yeah. Perfect. Now, obviously, everything that we do recommend still has to be in your best interest. It has to put\n\nChannel 1: Yep.\n\nChannel 0: you in a better position. So if I do the research and the the SMA portfolio, if it turns out to be not in a better position for you, then I will not recommend it. It's\n\nChannel 1: Yes.\n\nChannel 0: just making sure you are comfortable that with that approach if it turns out to be the best option for you.\n\nChannel 1: Yeah.\n\nChannel 0: So I\n\nChannel 1: Yeah.\n\nChannel 0: will review it as well as different portfolios and see, but it\n\nChannel 1: Mhmm.\n\nChannel 0: is a very good thing where we can very quickly make those changes. And, obviously, being partnered up with BlackRock, which is one of the the biggest fund managers, you can Google them as well. It does give us all that extra knowledge and research when it comes to the invest, which is great.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So I will research this for you. I will put together\n\nChannel 1: Mhmm.\n\nChannel 0: a in a paper, run through it with you, and then you can let me know what you would like to do.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Otherwise, I do have here with your superannuation, your goal is to access super at the age of 60 and, ideally,\n\nChannel 1: Yes.\n\nChannel 0: an income of around $700 per week. Yeah. Perfect. Now with your insurances as well, so you do have a bit of that default insurance within Hub twenty four. You\n\nChannel 1: Yes.\n\nChannel 0: do have a 400,896 worth of life cover. You have 29,286 worth of total permanent disability insurance.\n\nChannel 1: Yes.\n\nChannel 0: And then you do have an income protection as well, and that will pay a monthly amount of 2,176. You do have a sixty day waiting period and a five year benefit period. The total premium for all three is about $35 a month.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. You're still happy with those insurances and the way\n\nChannel 1: Yeah.\n\nChannel 0: things are set up? Yep. Great. Perfect. Now the other thing I do want to just quickly run through for for you here is just a quick updated fact line just to see if there's anything else that has changed in your life that I need to factor in with the advice.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now I do have you here for personal details down at single with two financial dependents. Is that still the case?\n\nChannel 1: I'll have only one very shortly in about a week. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: One Sunday\n\nChannel 0: Perfect.\n\nChannel 1: thing.\n\nChannel 0: Yep. So one financial\n\nChannel 1: Yep.\n\nChannel 0: dependent. And now I have here next of kin, Brendan.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And what's his relationship to you? Okay. Great.\n\nPerfect. It doesn't look like I have his phone number listed, though, in the event that we can't contact you. Do you\n\nChannel 1: Okay.\n\nChannel 0: know\n\nChannel 1: Yep.\n\nChannel 0: where that might be?\n\nChannel 1: It is 0405\n\nChannel 0: Yeah.\n\nChannel 1: 819,\n\nChannel 0: Eight one nine. Yep.\n\nChannel 1: 113.\n\nChannel 0: 113. Okay. Perfect. Otherwise, when it comes to your employment, you're still working as a warehouse manager?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I have here income at about 76,000.\n\nChannel 1: No. It's I've got a new job, so it's gone up to 80,000.\n\nChannel 0: 80. Perfect. Is it doing the same thing just\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: The\n\nChannel 0: a\n\nChannel 1: same\n\nChannel 0: different\n\nChannel 1: thing.\n\nChannel 0: company?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And who's your new employer? What's the the name?\n\nChannel 1: Are they called spec fast, s t e c?\n\nChannel 0: Yep.\n\nChannel 1: F a s t.\n\nChannel 0: Great. Perfect. Now with your new employee as well, do you know if they have a special enterprise bargain agreement or anything like that or\n\nChannel 1: No.\n\nChannel 0: just\n\nChannel 1: I think\n\nChannel 0: just standard? Yep. And they just pay that standard 12% contributions\n\nChannel 1: Yeah.\n\nChannel 0: into super? Yep. Great. And you don't make any additional contributions. Otherwise, just that.\n\nNo. Perfect. When it comes to assets at the moment, I have a motor vehicle right at about 50,000.\n\nChannel 1: Yeah. There it goes. Yeah.\n\nChannel 0: Yeah. Do you have anything owing on that one?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. Any other assets, motorbikes or boats or anything else? No. Any other liabilities, like personal loans, credit cards, ZipPay?\n\nChannel 1: Yeah. I've got some I've got personal loan.\n\nChannel 0: Yep. Perfect. And do you know rough\n\nChannel 1: I think it's, like, 30,000.\n\nChannel 0: okay. Perfect. And did you say that you might use some of the inheritance\n\nChannel 1: Yeah. I'll I'll\n\nChannel 0: to\n\nChannel 1: use\n\nChannel 0: pay that\n\nChannel 1: yeah.\n\nChannel 0: off? Yep. That's great. Perfect. Any other loans or anything like that?\n\nNo. Great. And you've never been declared bankrupt or been under a part nine debt agreement?\n\nChannel 1: No. I think I was under a part nine integrated in our gender.\n\nChannel 0: Okay. That was cleared.\n\nChannel 1: Yeah.\n\nChannel 0: Do you know yeah. Perfect. Do you know roughly when it was cleared at all? What year? Testing your memory.\n\nChannel 1: I'd say shit.\n\nChannel 0: No. That's\n\nChannel 1: Just trying to work it\n\nChannel 0: okay.\n\nChannel 1: out. Probably 2014.\n\nChannel 0: Okay. Perfect. Yep.\n\nChannel 1: Hereabouts 2013, 2014.\n\nChannel 0: Yep. Great. Otherwise, health and lifestyle, I have you here as a smoker.\n\nChannel 1: No.\n\nChannel 0: What's that? Sorry?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Any medications or changes to your health otherwise?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And do you have private health insurance?\n\nChannel 1: I've only got extras. That's it.\n\nChannel 0: Yep. That's okay. Just and when it comes to estate planning, do you have a will in place?\n\nChannel 1: No. I don't. But at least one\n\nChannel 0: No.\n\nChannel 1: thing in my opinion\n\nChannel 0: Yep.\n\nChannel 1: is to get that.\n\nChannel 0: Perfect. On the to do list. Would you like us to send you a bit of pricing and referrals to a firm that we work\n\nChannel 1: Yeah.\n\nChannel 0: closely\n\nChannel 1: Yeah.\n\nChannel 0: with? Or yep.\n\nChannel 1: Yeah.\n\nChannel 0: That way, at least you have the email details and then\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: pricing as well. And if you find someone else, then, you know, at\n\nChannel 1: Yeah.\n\nChannel 0: least it gives you a bit of a guide\n\nChannel 1: Yeah.\n\nChannel 0: on on pricing and\n\nChannel 1: Exactly\n\nChannel 0: stuff.\n\nChannel 1: right.\n\nChannel 0: Yep. But you don't have anyone who makes any financial decisions on your behalf\n\nChannel 1: No.\n\nChannel 0: otherwise. Right? And are you politically exposed at all? Right. And you don't earn any income overseas?\n\nChannel 1: No.\n\nChannel 0: Not perfect. And I do have here all your superannuation. So in the event that something happened to you, I have a fifty fifty split for Cassidy and Indiana. That's still correct? Yep.\n\nPerfect. Now that was basically everything that I needed to confirm on my end.\n\nChannel 1: Mhmm.\n\nChannel 0: So like I said, I will go and do some research on those investments for you to see if we can swap a few things to improve the the returns\n\nChannel 1: Yep.\n\nChannel 0: and everything there for you, still keeping you in a high growth, and I will consider that SMA as well for you.\n\nChannel 1: Yep.\n\nChannel 0: Obviously, leaving assurances the way that they are, that's all doing well. I will get the mortgage broker to reach out as well to kind of at least start that process of seeing\n\nChannel 1: Yes.\n\nChannel 0: a borrowing capacity\n\nChannel 1: Yes.\n\nChannel 0: and everything like that. And then, obviously, keep\n\nChannel 1: Mhmm.\n\nChannel 0: me up to date with how everything is going. And then once\n\nChannel 1: Yes.\n\nChannel 0: you have finalized that, we can always do new advice, just focusing on, you know, personal investment or investment\n\nChannel 1: Yes.\n\nChannel 0: bonds or whatever it might be, that you would like to do with the remainder of the\n\nChannel 1: Mhmm.\n\nChannel 0: money as well.\n\nChannel 1: Yep.\n\nChannel 0: But is there anything else that you need from me or any other questions that you have before I let you go otherwise? No? That's it. Yeah. Okay.\n\nPerfect. Now I'll also get the team to send you that lawyer information. It will take me a couple of weeks to put all of this research together, but as soon as I do just wanna let you know so you don't\n\nChannel 1: Yeah.\n\nChannel 0: think\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: tomorrow.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. No.\n\nNo. No. No. No.\n\nChannel 0: Perfect. As soon as I do, though, I'll give you a call and run through that with you, and then we can take it from there. And then you can always give me a bit of an update on, you know, the property and and what's happened as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Well, if you don't have any other questions, Matthew, I will let you go and enjoy\n\nChannel 1: Yep.\n\nChannel 0: your afternoon, and I look forward to speaking with you soon again.\n\nChannel 1: Not a problem at all. Thank you very much.\n\nChannel 0: No problem. We'll speak soon.\n\nChannel 1: Alright. Thank you. Bye bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.04647407308220863}],"sentiment":"neutral","sentiment_score":0.04647407308220863,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8799999,"sentiment":"neutral","sentiment_score":0.3135496601462364},{"text":"Is this Matthew?","start":2.8799999,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.14551376303037009}],"sentiment":"neutral","sentiment_score":0.2127281218767166,"channel":0,"num_words":5,"start":2.1599998,"end":3.6999998},{"sentences":[{"text":"Yes.","start":4.3199997,"end":4.48,"sentiment":"neutral","sentiment_score":0.11900606751441956},{"text":"Speaking.","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.09435321390628816}],"sentiment":"neutral","sentiment_score":0.10667964071035385,"channel":1,"num_words":2,"start":4.3199997,"end":4.98},{"sentences":[{"text":"This is Veronica from OCU Financial.","start":5.52,"end":7.7,"sentiment":"neutral","sentiment_score":0.1523983540634314},{"text":"How are you this afternoon?","start":7.7599998,"end":8.9,"sentiment":"neutral","sentiment_score":0.22601935267448425}],"sentiment":"neutral","sentiment_score":0.1858624443411827,"channel":0,"num_words":11,"start":5.52,"end":8.9},{"sentences":[{"text":"Good.","start":9.28,"end":9.5199995,"sentiment":"positive","sentiment_score":0.4421844482421875},{"text":"How are you?","start":9.5199995,"end":10.34,"sentiment":"neutral","sentiment_score":0.28303078810373944}],"sentiment":"neutral","sentiment_score":0.32281920313835144,"channel":1,"num_words":4,"start":9.28,"end":10.34},{"sentences":[{"text":"Good.","start":10.639999,"end":11.04,"sentiment":"positive","sentiment_score":0.5818420648574829},{"text":"Thanks.","start":11.04,"end":11.54,"sentiment":"positive","sentiment_score":0.661410927772522},{"text":"I had you booked in for a bit of a catch up.","start":12.32,"end":14.4,"sentiment":"positive","sentiment_score":0.36841345330079395},{"text":"Is now still a good time for you?","start":14.4,"end":15.975,"sentiment":"positive","sentiment_score":0.3671979196369648}],"sentiment":"positive","sentiment_score":0.39099080860614777,"channel":0,"num_words":22,"start":10.639999,"end":15.975},{"sentences":[{"text":"Yes.","start":16.375,"end":16.615,"sentiment":"neutral","sentiment_score":0.20180250704288483},{"text":"It's","start":16.615,"end":17.115,"sentiment":"neutral","sentiment_score":0.2617030441761017}],"sentiment":"neutral","sentiment_score":0.23175277560949326,"channel":1,"num_words":2,"start":16.375,"end":17.115},{"sentences":[{"text":"Yep.","start":17.495,"end":17.895,"sentiment":"neutral","sentiment_score":0.2831622064113617},{"text":"Perfect.","start":17.895,"end":18.395,"sentiment":"positive","sentiment_score":0.6150227189064026},{"text":"Now just before I do go any further, I just need to let you know that our calls","start":18.775,"end":22.375,"sentiment":"neutral","sentiment_score":0.10423142152527969}],"sentiment":"neutral","sentiment_score":0.13871752563863993,"channel":0,"num_words":20,"start":17.495,"end":22.375},{"sentences":[{"text":"fine.","start":22.375,"end":22.875,"sentiment":"neutral","sentiment_score":0.09817294776439668}],"sentiment":"neutral","sentiment_score":0.09817294776439668,"channel":1,"num_words":1,"start":22.375,"end":22.875},{"sentences":[{"text":"are being recorded for quality and coaching purposes, if that's okay.","start":22.375,"end":25.915,"sentiment":"neutral","sentiment_score":0.05547096106139096}],"sentiment":"neutral","sentiment_score":0.05547096106139096,"channel":0,"num_words":11,"start":22.375,"end":25.915},{"sentences":[{"text":"Yep.","start":26.695,"end":26.935,"sentiment":"neutral","sentiment_score":0.1274711787700653},{"text":"That's fine.","start":26.935,"end":27.755,"sentiment":"neutral","sentiment_score":0.2642504870891571}],"sentiment":"neutral","sentiment_score":0.2186573843161265,"channel":1,"num_words":3,"start":26.695,"end":27.755},{"sentences":[{"text":"Perfect.","start":28.055,"end":28.555,"sentiment":"positive","sentiment_score":0.4419183135032654},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please?","start":28.615,"end":35.36,"sentiment":"neutral","sentiment_score":0.0741033802429835}],"sentiment":"neutral","sentiment_score":0.08881597757339478,"channel":0,"num_words":25,"start":28.055,"end":35.36},{"sentences":[{"text":"Yeah.","start":35.82,"end":36.06,"sentiment":"neutral","sentiment_score":0.02819942496716976},{"text":"It's Matthew Troy Halliday.","start":36.06,"end":37.6,"sentiment":"neutral","sentiment_score":0.02076269476674497},{"text":"Thirteenth the second nineteen eighty six.","start":37.74,"end":39.82,"sentiment":"neutral","sentiment_score":0.02499640577783187},{"text":"8 Barnett Street, Ashcroft, New South Wales 2168.","start":39.82,"end":43.440002,"sentiment":"neutral","sentiment_score":0.029619090724736452}],"sentiment":"neutral","sentiment_score":0.026220071815738554,"channel":1,"num_words":19,"start":35.82,"end":43.440002},{"sentences":[{"text":"Yep.","start":43.675,"end":44.075,"sentiment":"neutral","sentiment_score":0.18995162844657895},{"text":"Perfect.","start":44.075,"end":44.475,"sentiment":"positive","sentiment_score":0.545250654220581},{"text":"That's exactly what I have here.","start":44.475,"end":46.155,"sentiment":"positive","sentiment_score":0.6112982829411825},{"text":"And how's your day been so far?","start":46.155,"end":47.995,"sentiment":"neutral","sentiment_score":0.17800976761749812},{"text":"Been busy?","start":47.995,"end":48.815,"sentiment":"neutral","sentiment_score":0.021335906349122524}],"sentiment":"positive","sentiment_score":0.3348077744902933,"channel":0,"num_words":17,"start":43.675,"end":48.815},{"sentences":[{"text":"Day.","start":48.595,"end":48.915,"sentiment":"neutral","sentiment_score":0.10132142901420592},{"text":"It's not too bad.","start":48.915,"end":49.975,"sentiment":"neutral","sentiment_score":0.15666009113192558},{"text":"Busy.","start":50.195,"end":50.695,"sentiment":"neutral","sentiment_score":0.22974082827568057}],"sentiment":"neutral","sentiment_score":0.1596171036362648,"channel":1,"num_words":6,"start":48.595,"end":50.695},{"sentences":[{"text":"Oh, that's good.","start":50.315,"end":51.375,"sentiment":"positive","sentiment_score":0.45244405666987103},{"text":"Now, Matthew, I did have you booked in for a bit of a quarterly review, and then I believe as well that you had some potential advice questions and stuff that you want to address today as well.","start":53.275,"end":63.36,"sentiment":"neutral","sentiment_score":0.15442216533579325}],"sentiment":"neutral","sentiment_score":0.17622864518950626,"channel":0,"num_words":41,"start":50.315,"end":63.36},{"sentences":[{"text":"Yes.","start":63.57,"end":64.07,"sentiment":"neutral","sentiment_score":0.12812981009483335}],"sentiment":"neutral","sentiment_score":0.12812981009483335,"channel":1,"num_words":1,"start":63.57,"end":64.07},{"sentences":[{"text":"Yeah.","start":64.62,"end":65.1,"sentiment":"neutral","sentiment_score":0.1136595904827118},{"text":"So if we start with, I guess, like, your questions and what it is that you want to focus on today, and then we can always work through the other stuff.","start":65.1,"end":73.2,"sentiment":"neutral","sentiment_score":0.1487660701236417}],"sentiment":"neutral","sentiment_score":0.14766899263486266,"channel":0,"num_words":32,"start":64.62,"end":73.2},{"sentences":[{"text":"Yep.","start":76.135,"end":76.635,"sentiment":"neutral","sentiment_score":0.0906248539686203},{"text":"So I'm going to get a bit of an inheritance very shortly.","start":76.695,"end":80.315,"sentiment":"neutral","sentiment_score":0.08447277421752612}],"sentiment":"neutral","sentiment_score":0.08494601112145644,"channel":1,"num_words":13,"start":76.135,"end":80.315},{"sentences":[{"text":"Yeah.","start":80.985,"end":81.485,"sentiment":"neutral","sentiment_score":0.06018353998661041}],"sentiment":"neutral","sentiment_score":0.06018353998661041,"channel":0,"num_words":1,"start":80.985,"end":81.485},{"sentences":[{"text":"I just wanna know the best way to sort of invest that.","start":82.695,"end":86.155,"sentiment":"neutral","sentiment_score":0.0782740122328202}],"sentiment":"neutral","sentiment_score":0.0782740122328202,"channel":1,"num_words":12,"start":82.695,"end":86.155},{"sentences":[{"text":"Now do you know how much you're getting and when?","start":87.479996,"end":91.74,"sentiment":"neutral","sentiment_score":0.029009217955172063}],"sentiment":"neutral","sentiment_score":0.029009217955172063,"channel":0,"num_words":10,"start":87.479996,"end":91.74},{"sentences":[{"text":"It's possibly around about 200,000, and the house settles on the March 25.","start":95.39,"end":103.525,"sentiment":"neutral","sentiment_score":0.01348346622230915},{"text":"So the I don't know how long that takes","start":103.525,"end":105.865,"sentiment":"neutral","sentiment_score":-0.023508605029847886}],"sentiment":"neutral","sentiment_score":-0.0016496538353914564,"channel":1,"num_words":22,"start":95.39,"end":105.865},{"sentences":[{"text":"Okay.","start":106.295,"end":106.774994,"sentiment":"neutral","sentiment_score":0.04560110718011856},{"text":"Okay.","start":106.774994,"end":107.274994,"sentiment":"neutral","sentiment_score":0.036343060433864594}],"sentiment":"neutral","sentiment_score":0.04097208380699158,"channel":0,"num_words":2,"start":106.295,"end":107.274994},{"sentences":[{"text":"to 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can do depending on what your goals are and what you are trying to achieve.","start":111.99,"end":118.89,"sentiment":"neutral","sentiment_score":0.06078033462166786}],"sentiment":"neutral","sentiment_score":0.06124149993635141,"channel":0,"num_words":26,"start":110.71,"end":118.89},{"sentences":[{"text":"Yep.","start":119.94,"end":120.44,"sentiment":"neutral","sentiment_score":0.06465823948383331}],"sentiment":"neutral","sentiment_score":0.06465823948383331,"channel":1,"num_words":1,"start":119.94,"end":120.44},{"sentences":[{"text":"So, typically, it's more so what what your goals are, and then we would work from there with potential different strategies in trying to achieve that.","start":120.39,"end":129.255,"sentiment":"neutral","sentiment_score":0.13597909418436196}],"sentiment":"neutral","sentiment_score":0.13597909418436196,"channel":0,"num_words":26,"start":120.39,"end":129.255},{"sentences":[{"text":"Yep.","start":129.675,"end":130.175,"sentiment":"neutral","sentiment_score":-0.005584572907537222}],"sentiment":"neutral","sentiment_score":-0.005584572907537222,"channel":1,"num_words":1,"start":129.675,"end":130.175},{"sentences":[{"text":"So I can see here that, obviously, when we have spoken to you before so during, I think, there was the last annual review you had with my colleague, Dana, there is a note that your focus was to tryna save up to buy a 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a","start":144.8,"end":146.95999,"sentiment":"positive","sentiment_score":0.3989904373884201}],"sentiment":"positive","sentiment_score":0.3989904373884201,"channel":0,"num_words":4,"start":144.8,"end":146.95999},{"sentences":[{"text":"Yep.","start":146.81,"end":147.20999,"sentiment":"positive","sentiment_score":0.45722341537475586}],"sentiment":"positive","sentiment_score":0.45722341537475586,"channel":1,"num_words":1,"start":146.81,"end":147.20999},{"sentences":[{"text":"goal","start":146.95999,"end":147.36,"sentiment":"positive","sentiment_score":0.4350789487361908}],"sentiment":"positive","sentiment_score":0.4350789487361908,"channel":0,"num_words":1,"start":146.95999,"end":147.36},{"sentences":[{"text":"So","start":147.20999,"end":147.53,"sentiment":"neutral","sentiment_score":0.27531698346138}],"sentiment":"neutral","sentiment_score":0.27531698346138,"channel":1,"num_words":1,"start":147.20999,"end":147.53},{"sentences":[{"text":"for 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go.","start":536.475,"end":543.615,"sentiment":"neutral","sentiment_score":0.16201595990703657}],"sentiment":"neutral","sentiment_score":0.16201595990703657,"channel":0,"num_words":26,"start":536.475,"end":543.615},{"sentences":[{"text":"Yeah.","start":543.97003,"end":544.47003,"sentiment":"neutral","sentiment_score":0.110193133354187}],"sentiment":"neutral","sentiment_score":0.110193133354187,"channel":1,"num_words":1,"start":543.97003,"end":544.47003},{"sentences":[{"text":"Yep.","start":544.71497,"end":545.21497,"sentiment":"neutral","sentiment_score":0.10793064534664154},{"text":"So, basically, if we look at your investments, obviously, in hub twenty four, like I said, we have seen a bit of fluctuations in the market.","start":545.355,"end":551.70996,"sentiment":"neutral","sentiment_score":0.07302456091229732},{"text":"Some of it is more like you stick with all trends and different options that's that's going on.","start":552.08997,"end":557.31,"sentiment":"neutral","sentiment_score":0.04742231716712316},{"text":"But there is one particular investment that I do wanna address a little bit more, which is your Benelon","start":557.44995,"end":562.91,"sentiment":"neutral","sentiment_score":0.14543356628794418}],"sentiment":"neutral","sentiment_score":0.08786576089914888,"channel":0,"num_words":64,"start":544.71497,"end":562.91},{"sentences":[{"text":"Mhmm.","start":562.89996,"end":563.39996,"sentiment":"neutral","sentiment_score":0.11046438664197922}],"sentiment":"neutral","sentiment_score":0.11046438664197922,"channel":1,"num_words":1,"start":562.89996,"end":563.39996},{"sentences":[{"text":"Australian equity.","start":562.97,"end":564.19,"sentiment":"neutral","sentiment_score":0.18873164802789688},{"text":"Now that one was obviously recommended last year for you.","start":564.81,"end":569.52496,"sentiment":"positive","sentiment_score":0.39090692400932314},{"text":"It was doing really well.","start":569.52496,"end":571.145,"sentiment":"positive","sentiment_score":0.6314417958259583},{"text":"And the purpose behind this particular investment is to give you the active management approach.","start":571.445,"end":576.345,"sentiment":"neutral","sentiment_score":0.3262194970001777},{"text":"So they are a managed fund, and how that work is that they work a little bit different in that they are trying to actively buy and sell different investments in order to try to outperform the market.","start":576.565,"end":589.57996,"sentiment":"neutral","sentiment_score":0.038688895145529194}],"sentiment":"neutral","sentiment_score":0.19724588551159417,"channel":0,"num_words":70,"start":562.97,"end":589.57996},{"sentences":[{"text":"Yes.","start":590.525,"end":590.73,"sentiment":"neutral","sentiment_score":0.07754163444042206}],"sentiment":"neutral","sentiment_score":0.07754163444042206,"channel":1,"num_words":1,"start":590.525,"end":590.73},{"sentences":[{"text":"So it's a little bit different through the the other investments, which are more your your passive index funds that we would call it.","start":590.6,"end":597.645,"sentiment":"neutral","sentiment_score":0.028495828388258815},{"text":"So,","start":598.105,"end":598.425,"sentiment":"neutral","sentiment_score":0.026951264590024948}],"sentiment":"neutral","sentiment_score":0.02843404583632946,"channel":0,"num_words":25,"start":590.6,"end":598.425},{"sentences":[{"text":"Yes.","start":598.17,"end":598.67,"sentiment":"neutral","sentiment_score":0.047020480036735535}],"sentiment":"neutral","sentiment_score":0.047020480036735535,"channel":1,"num_words":1,"start":598.17,"end":598.67},{"sentences":[{"text":"for example, one of them is iShares S and P five hundred, which essentially attracts their 500 largest companies listed in The US.","start":598.425,"end":610.02,"sentiment":"neutral","sentiment_score":0.05792326715005481},{"text":"So how that works is, obviously, if there is a company that gets bigger, it will get included in the investment.","start":610.5,"end":615.80005,"sentiment":"neutral","sentiment_score":0.033949206804945356},{"text":"If that one that gets smaller, it kind of falls out.","start":615.86005,"end":617.94,"sentiment":"neutral","sentiment_score":-0.0789703286506913},{"text":"It kind of just tracks","start":617.94,"end":619.24,"sentiment":"neutral","sentiment_score":0.006834905222058296}],"sentiment":"neutral","sentiment_score":0.020177823305130006,"channel":0,"num_words":60,"start":598.425,"end":619.24},{"sentences":[{"text":"Yeah.","start":618.75,"end":619.25,"sentiment":"neutral","sentiment_score":0.028722723945975304}],"sentiment":"neutral","sentiment_score":0.028722723945975304,"channel":1,"num_words":1,"start":618.75,"end":619.25},{"sentences":[{"text":"the biggest 500.","start":619.62,"end":620.82,"sentiment":"neutral","sentiment_score":0.04144315607845783},{"text":"Does that make sense?","start":620.82,"end":621.96,"sentiment":"neutral","sentiment_score":0.06586694251745939},{"text":"Yeah.","start":623.155,"end":623.395,"sentiment":"neutral","sentiment_score":0.05237764120101929},{"text":"So the concept is a little bit different between them.","start":623.395,"end":625.73505,"sentiment":"neutral","sentiment_score":0.019852386228740214},{"text":"And like I said, Benelon was to try to outperform that.","start":625.955,"end":629.55505,"sentiment":"neutral","sentiment_score":0.05159598555077206}],"sentiment":"neutral","sentiment_score":0.041594985615590524,"channel":0,"num_words":29,"start":619.62,"end":629.55505},{"sentences":[{"text":"Now they have underperformed a little bit recently, so I would like to look at swapping that one out for 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underperformed is that one of their investments that they have in their portfolio is the corporate travel group.","start":637.12,"end":646.89996,"sentiment":"neutral","sentiment_score":-0.059495848818467215},{"text":"I'm not sure if you've heard on the news or seen or anything, but they had a bit of issues with their reporting, which actually caused them to suspend some trading.","start":647.27997,"end":655.99506,"sentiment":"neutral","sentiment_score":-0.1546661949926807},{"text":"So, obviously, you saw a","start":656.29504,"end":657.09503,"sentiment":"neutral","sentiment_score":-0.13350844085216523}],"sentiment":"neutral","sentiment_score":-0.11304977932764639,"channel":0,"num_words":62,"start":637.12,"end":657.09503},{"sentences":[{"text":"Mhmm.","start":657.045,"end":657.545,"sentiment":"neutral","sentiment_score":-0.10282997786998747}],"sentiment":"neutral","sentiment_score":-0.10282997786998747,"channel":1,"num_words":1,"start":657.045,"end":657.545},{"sentences":[{"text":"bit of fluctuations and the investment dropped because of it.","start":657.09503,"end":661.11505,"sentiment":"neutral","sentiment_score":-0.2658131971955299},{"text":"Now we've done a lot of extensive research on the investment, and they can the the the fund itself has been a little slow in making changes.","start":661.49506,"end":668.46,"sentiment":"neutral","sentiment_score":-0.2343290346088233},{"text":"So what I would like to do is review that investment for you and see if we can make a couple of tweaks and changes to make sure that we improve the returns a little bit for you and make sure that we always have you in the best option possible.","start":668.84,"end":681.34,"sentiment":"neutral","sentiment_score":0.08790602578836329}],"sentiment":"neutral","sentiment_score":-0.05115691580894319,"channel":0,"num_words":88,"start":657.09503,"end":681.34},{"sentences":[{"text":"Yes.","start":682.19,"end":682.69,"sentiment":"neutral","sentiment_score":0.2278964966535568}],"sentiment":"neutral","sentiment_score":0.2278964966535568,"channel":1,"num_words":1,"start":682.19,"end":682.69},{"sentences":[{"text":"Yep.","start":682.765,"end":683.16504,"sentiment":"neutral","sentiment_score":0.2855444550514221},{"text":"You're happy for me to do 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that.","start":734.485,"end":745.785,"sentiment":"neutral","sentiment_score":-0.13914545143886312},{"text":"So","start":746.08496,"end":746.58496,"sentiment":"neutral","sentiment_score":-0.006393104791641235}],"sentiment":"neutral","sentiment_score":-0.1359846812805959,"channel":0,"num_words":42,"start":734.485,"end":746.58496},{"sentences":[{"text":"Yes.","start":746.59503,"end":747.09503,"sentiment":"neutral","sentiment_score":0.04886329919099808}],"sentiment":"neutral","sentiment_score":0.04886329919099808,"channel":1,"num_words":1,"start":746.59503,"end":747.09503},{"sentences":[{"text":"it is also factoring in from a time frame point of view, making sure that you do have enough time in the market for those fluctuations.","start":746.9,"end":754.92,"sentiment":"neutral","sentiment_score":0.08908603082482631},{"text":"And, typically, in a high growth portfolio, we want to allow minimum eight years until retirement, which you 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happy","start":774.38,"end":775.25995,"sentiment":"neutral","sentiment_score":0.3190089017152786}],"sentiment":"neutral","sentiment_score":0.27103539928793907,"channel":0,"num_words":8,"start":773.42,"end":775.25995},{"sentences":[{"text":"Yes.","start":775.14496,"end":775.64496,"sentiment":"neutral","sentiment_score":0.2696361541748047}],"sentiment":"neutral","sentiment_score":0.2696361541748047,"channel":1,"num_words":1,"start":775.14496,"end":775.64496},{"sentences":[{"text":"with, like, your 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okay.","start":815.77997,"end":816.6,"sentiment":"neutral","sentiment_score":-0.024661957286298275},{"text":"So, essentially, we recently have partnered up with BlackRock, which you may have heard of.","start":816.98,"end":823.125,"sentiment":"neutral","sentiment_score":0.02806050976117452}],"sentiment":"neutral","sentiment_score":0.011340613133813205,"channel":0,"num_words":19,"start":814.89996,"end":823.125},{"sentences":[{"text":"No.","start":824.625,"end":825.125,"sentiment":"neutral","sentiment_score":-0.05787886679172516}],"sentiment":"neutral","sentiment_score":-0.05787886679172516,"channel":1,"num_words":1,"start":824.625,"end":825.125},{"sentences":[{"text":"No.","start":825.505,"end":826.005,"sentiment":"neutral","sentiment_score":-0.04012776166200638},{"text":"They are one of the biggest fund managers, and we have partnered up with them to create something that's called an SMA.","start":826.305,"end":834.325,"sentiment":"neutral","sentiment_score":0.023498096587983044},{"text":"Have you ever heard of that before?","start":834.9,"end":836.36005,"sentiment":"neutral","sentiment_score":-0.001239905133843422},{"text":"No.","start":837.86005,"end":838.18005,"sentiment":"neutral","sentiment_score":-0.06574861705303192},{"text":"So an SMA, it is a self managed account.","start":838.18005,"end":841.64,"sentiment":"neutral","sentiment_score":-0.03024044529431396}],"sentiment":"neutral","sentiment_score":0.003255960065871477,"channel":0,"num_words":40,"start":825.505,"end":841.64},{"sentences":[{"text":"No.","start":842.73,"end":842.81,"sentiment":"neutral","sentiment_score":-0.030510643497109413},{"text":"Yep.","start":842.81,"end":843.31,"sentiment":"neutral","sentiment_score":0.1505194902420044}],"sentiment":"neutral","sentiment_score":0.06000442337244749,"channel":1,"num_words":2,"start":842.73,"end":843.31},{"sentences":[{"text":"It is a little bit different to how your investments are currently structured in Hub twenty four.","start":842.9,"end":849.225,"sentiment":"neutral","sentiment_score":-0.023778227541376564},{"text":"So the biggest kind of difference is, at the moment, with your investments, if you log in to your Hub twenty four, you will see each and every single one of those investments.","start":849.70496,"end":858.52496,"sentiment":"neutral","sentiment_score":0.047697236253456635}],"sentiment":"neutral","sentiment_score":0.023395578563213348,"channel":0,"num_words":50,"start":842.9,"end":858.52496},{"sentences":[{"text":"Yep.","start":859.36005,"end":859.86005,"sentiment":"neutral","sentiment_score":0.13830125331878662}],"sentiment":"neutral","sentiment_score":0.13830125331878662,"channel":1,"num_words":1,"start":859.36005,"end":859.86005},{"sentences":[{"text":"And if we want to go and make a change to one of them, like now, for example, with Benelon, I will go and do all the research for 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need from me or any other questions that you have before I let you go otherwise?","start":1490.5549,"end":1496.495,"sentiment":"neutral","sentiment_score":0.04907400088141794},{"text":"No?","start":1497.9149,"end":1498.4149,"sentiment":"neutral","sentiment_score":-0.06336402893066406},{"text":"That's it.","start":1498.7949,"end":1499.695,"sentiment":"neutral","sentiment_score":-0.03016585484147072},{"text":"Yeah.","start":1500.635,"end":1500.955,"sentiment":"neutral","sentiment_score":0.08329211175441742},{"text":"Okay.","start":1500.955,"end":1501.4349,"sentiment":"neutral","sentiment_score":0.17746490240097046}],"sentiment":"neutral","sentiment_score":0.04520583199337125,"channel":0,"num_words":28,"start":1490.5549,"end":1501.4349},{"sentences":[{"text":"Perfect.","start":1501.4349,"end":1501.9349,"sentiment":"neutral","sentiment_score":0.30422478914260864},{"text":"Now I'll also get the team to send you that lawyer 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don't","start":1506.9299,"end":1513.6499,"sentiment":"neutral","sentiment_score":0.06592622627343597}],"sentiment":"neutral","sentiment_score":0.09447905720610704,"channel":0,"num_words":42,"start":1501.4349,"end":1513.6499},{"sentences":[{"text":"Yeah.","start":1513.64,"end":1513.9601,"sentiment":"neutral","sentiment_score":0.0082785002887249}],"sentiment":"neutral","sentiment_score":0.0082785002887249,"channel":1,"num_words":1,"start":1513.64,"end":1513.9601},{"sentences":[{"text":"think","start":1513.6499,"end":1514.1499,"sentiment":"neutral","sentiment_score":0.0004291422665119171}],"sentiment":"neutral","sentiment_score":0.0004291422665119171,"channel":0,"num_words":1,"start":1513.6499,"end":1514.1499},{"sentences":[{"text":"Yeah.","start":1513.9601,"end":1514.04,"sentiment":"neutral","sentiment_score":0.02068246714770794},{"text":"Yeah.","start":1514.04,"end":1514.4401,"sentiment":"neutral","sentiment_score":0.01682339236140251}],"sentiment":"neutral","sentiment_score":0.018752929754555225,"channel":1,"num_words":2,"start":1513.9601,"end":1514.4401},{"sentences":[{"text":"tomorrow.","start":1514.37,"end":1514.87,"sentiment":"neutral","sentiment_score":0.033983536064624786}],"sentiment":"neutral","sentiment_score":0.033983536064624786,"channel":0,"num_words":1,"start":1514.37,"end":1514.87},{"sentences":[{"text":"Yeah.","start":1514.4401,"end":1514.76,"sentiment":"neutral","sentiment_score":0.04020438343286514},{"text":"Yeah.","start":1514.76,"end":1514.8401,"sentiment":"neutral","sentiment_score":0.03642463684082031},{"text":"Yeah.","start":1514.8401,"end":1515.3401,"sentiment":"neutral","sentiment_score":0.03261698782444},{"text":"Yeah.","start":1515.4,"end":1515.8,"sentiment":"neutral","sentiment_score":0.006046708673238754},{"text":"No.","start":1515.8,"end":1515.8801,"sentiment":"neutral","sentiment_score":-0.09817534685134888}],"sentiment":"neutral","sentiment_score":0.003423473984003067,"channel":1,"num_words":5,"start":1514.4401,"end":1515.8801},{"sentences":[{"text":"No.","start":1515.8801,"end":1515.9601,"sentiment":"neutral","sentiment_score":-0.14376689493656158},{"text":"No.","start":1515.9601,"end":1516.4401,"sentiment":"neutral","sentiment_score":-0.17853215336799622},{"text":"No.","start":1516.4401,"end":1516.68,"sentiment":"neutral","sentiment_score":-0.2080482393503189},{"text":"No.","start":1516.68,"end":1517.18,"sentiment":"neutral","sentiment_score":-0.11700676381587982}],"sentiment":"neutral","sentiment_score":-0.16183851286768913,"channel":1,"num_words":4,"start":1515.8801,"end":1517.18},{"sentences":[{"text":"Perfect.","start":1518.13,"end":1518.63,"sentiment":"neutral","sentiment_score":0.13649994134902954},{"text":"As soon as I do, though, I'll give you a call and run through that with you, and then we can take it from there.","start":1519.3251,"end":1523.5651,"sentiment":"neutral","sentiment_score":0.12936144903302194},{"text":"And then you can always give me a bit of an update on, you know, the property and and what's happened as 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if you don't have any other questions, Matthew, I will let you go and enjoy","start":1530.365,"end":1533.805,"sentiment":"positive","sentiment_score":0.4248268585652113}],"sentiment":"positive","sentiment_score":0.430447088347541,"channel":0,"num_words":18,"start":1528.845,"end":1533.805},{"sentences":[{"text":"Yep.","start":1533.63,"end":1534.13,"sentiment":"positive","sentiment_score":0.4413090646266937}],"sentiment":"positive","sentiment_score":0.4413090646266937,"channel":1,"num_words":1,"start":1533.63,"end":1534.13},{"sentences":[{"text":"your afternoon, and I look forward to speaking with you soon again.","start":1533.805,"end":1536.8301,"sentiment":"positive","sentiment_score":0.6388983130455017}],"sentiment":"positive","sentiment_score":0.6388983130455017,"channel":0,"num_words":12,"start":1533.805,"end":1536.8301},{"sentences":[{"text":"Not a problem at all.","start":1537.23,"end":1538.1901,"sentiment":"positive","sentiment_score":0.5569506645202636},{"text":"Thank you very much.","start":1538.1901,"end":1539.17,"sentiment":"positive","sentiment_score":0.8260619789361954}],"sentiment":"positive","sentiment_score":0.6765556931495667,"channel":1,"num_words":9,"start":1537.23,"end":1539.17},{"sentences":[{"text":"No problem.","start":1539.37,"end":1539.93,"sentiment":"positive","sentiment_score":0.5449407696723938},{"text":"We'll speak soon.","start":1539.93,"end":1540.91,"sentiment":"positive","sentiment_score":0.3827289938926697}],"sentiment":"positive","sentiment_score":0.4476137042045593,"channel":0,"num_words":5,"start":1539.37,"end":1540.91},{"sentences":[{"text":"Alright.","start":1541.15,"end":1541.63,"sentiment":"positive","sentiment_score":0.36208492517471313},{"text":"Thank you.","start":1541.63,"end":1542.03,"sentiment":"positive","sentiment_score":0.646973729133606},{"text":"Bye bye.","start":1542.03,"end":1542.6901,"sentiment":"neutral","sentiment_score":0.3210828900337219}],"sentiment":"positive","sentiment_score":0.4596396327018738,"channel":1,"num_words":5,"start":1541.15,"end":1542.6901},{"sentences":[{"text":"Thanks.","start":1542.41,"end":1542.91,"sentiment":"positive","sentiment_score":0.5937612056732178},{"text":"Bye.","start":1542.9701,"end":1543.4701,"sentiment":"neutral","sentiment_score":-0.11625081300735474}],"sentiment":"neutral","sentiment_score":0.23875519633293152,"channel":0,"num_words":2,"start":1542.41,"end":1543.4701}]},"summary":{"result":"success","short":"A representative from OCU Financial calls Matthew to confirm his appointment for a quarterly review and potential advice questions. The representative suggests using a portion of his deposit to buy a property and recommends a high interest savings account as a potential option. The agent suggests sending a mortgage broker to give more information and savings and offers to send general information and a time for the review. The speaker explains the investment in a high growth portfolio and emphasizes the risk profile questionnaire and the goal of full retirement in the long term. The speaker recommends partnering with BlackRock to create something called an SMA and provides advice on retirement plans and employment. The speaker promises to do some research and try to get a mortgage broker to reach out."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are fine. being recorded for quality and coaching purposes, if that's okay. Yep.","start_word":49,"end_word":79,"intents":[{"intent":"Manage calls","confidence_score":0.00034608957}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Yeah.","start_word":83,"end_word":107,"intents":[{"intent":"Confirm identity","confidence_score":0.52182984}]},{"text":"Now, Matthew, I did have you booked in for a bit of a quarterly review, and then I believe as well that you had some potential advice questions and stuff that you want to address today as well. Yes.","start_word":152,"end_word":190,"intents":[{"intent":"Address questions","confidence_score":0.241507}]},{"text":"So, typically, it's more so what what your goals are, and then we would work from there with potential different strategies in trying to achieve that. Yep.","start_word":318,"end_word":344,"intents":[{"intent":"Discuss investing strategies","confidence_score":0.0006307563}]},{"text":"I'd I'd probably use a chunk of that as, like, a a Yep. deposit to put down on the house. And I work here, obviously, to pay and all that sort of stuff. So I wanna get them paid off and Yep. yeah.","start_word":404,"end_word":446,"intents":[{"intent":"Use chunk for property","confidence_score":0.00962575}]},{"text":"mainly Not be really. okay. So obviously, using a portion for property. Now have you spoken to a mortgage broker or anything? No. Like, have Nothing.","start_word":560,"end_word":585,"intents":[{"intent":"Confirm understanding of plan","confidence_score":0.00043062458}]},{"text":"we have left over? What do we wanna invest with it?","start_word":638,"end_word":648,"intents":[{"intent":"Explore options for storing money","confidence_score":0.0001625422}]},{"text":"What do we wanna invest with it?","start_word":642,"end_word":648,"intents":[{"intent":"Explore options to invest","confidence_score":0.00008213685}]},{"text":"And that changed as well because, obviously, like, time frame depends on, you know, the style of investment. And if it is for property, I'd be happy to send you if it is that you're looking for just, like, general savings for the time being until you know the property, Yeah.","start_word":742,"end_word":792,"intents":[{"intent":"Explain investment style","confidence_score":0.005817118}]},{"text":"And if it is for property, I'd be happy to send you if it is that you're looking for just, like, general savings for the time being until you know the property, Yeah. Yeah.","start_word":760,"end_word":793,"intents":[{"intent":"Share savings options","confidence_score":0.015712366}]},{"text":"So I've currently got a lot of my credit sales, which is running out. I mean, it's like 4.5. I don't know what it is exactly. That's that's pretty good. Yeah.","start_word":861,"end_word":891,"intents":[{"intent":"Explain credit sales","confidence_score":0.09864644}]},{"text":"Exactly.","start_word":964,"end_word":964,"intents":[{"intent":"Discuss term deposits","confidence_score":0.30077648}]},{"text":"So, obviously, a high interest savings account is is a great option, and that's what a lot of people do Yeah.","start_word":975,"end_word":995,"intents":[{"intent":"Explain high interest savings account","confidence_score":0.019003661}]},{"text":"Then when you do have a property, like, once you know how much you wanna borrow, once you know how much you need for the deposit and you know how much extra you have, then Yes.","start_word":1004,"end_word":1039,"intents":[{"intent":"Clarify loan amount","confidence_score":0.007205969}]},{"text":"So if you would like, we can kind of bring forward the annual review a little bit and do a bit more comprehensive today because I would like to kind of go into the investments in a bit more detail and potentially look at swapping one option out for you. Mhmm.","start_word":1607,"end_word":1657,"intents":[{"intent":"Plan and prepare annual review","confidence_score":0.00003309246}]},{"text":"So what I would like to do is review that investment for you and see if we can make a couple of tweaks and changes to make sure that we improve the returns a little bit for you and make sure that we always have you in the best option possible. Yes. Yep.","start_word":2094,"end_word":2146,"intents":[{"intent":"Discuss portfolio changes and reviews","confidence_score":0.00004020482}]},{"text":"you did come out as a high growth investor. Do you remember what it means to be a high growth investor? It's more like a risk, so you can take more risk than sort of like a somebody else. Yeah. Kind of.","start_word":2214,"end_word":2255,"intents":[{"intent":"Analyze high growth investment","confidence_score":0.00065418315}]},{"text":"And if we want to go and make a change to one of them, like now, for example, with Benelon, I will go and do all the research for you. I will then put together a proposal in a statement of advice. I will run that through with you, and then you would have to agree to the change before we can swap anything out. Yes.","start_word":2650,"end_word":2715,"intents":[{"intent":"Change investments","confidence_score":0.055180404}]},{"text":"I will then put together a proposal in a statement of advice. I will run that through with you, and then you would have to agree to the change before we can swap anything out.","start_word":2680,"end_word":2714,"intents":[{"intent":"Provide proposal","confidence_score":0.002572999}]},{"text":"Is that a approach that you are comfortable with, or do you prefer how things are currently structured for you? Not sure.","start_word":2898,"end_word":2919,"intents":[{"intent":"Discuss options","confidence_score":0.021637985}]},{"text":"before anything changes, we can quickly do that in the back end. We'll send you the information of, you know, this is obviously changed and the reasons why, but we can quickly make the change. Yes.","start_word":2985,"end_word":3020,"intents":[{"intent":"Make changes quickly","confidence_score":0.09791839},{"intent":"Make changes quickly","confidence_score":0.113098234},{"intent":"Provide information","confidence_score":0.0050817276}]},{"text":"So I will research this for you. I will put together Mhmm. a in a paper, run through it with you, and then you can let me know what you would like to do. Yes. Yep.","start_word":3279,"end_word":3314,"intents":[{"intent":"Research and make changes","confidence_score":0.07688634}]},{"text":"Otherwise, I do have here with your superannuation, your goal is to access super at the age of 60 and, ideally, Yes. an income of around $700 per week. Yeah.","start_word":3316,"end_word":3345,"intents":[{"intent":"Access super super at 65","confidence_score":0.03330331}]},{"text":"do have a 400,896 worth of life cover. You have 29,286 worth of total permanent disability insurance. Yes. And then you do have an income protection as well, and that will pay a monthly amount of 2,176. You do have a sixty day waiting period and a five year benefit period. The total premium for all three is about $35 a month. Yeah.","start_word":3370,"end_word":3432,"intents":[{"intent":"Arrange insurance","confidence_score":0.000016788365}]},{"text":"You're still happy with those insurances and the way Yeah.","start_word":3434,"end_word":3443,"intents":[{"intent":"Inquire about current insurance","confidence_score":0.0002933114}]},{"text":"Now the other thing I do want to just quickly run through for for you here is just a quick updated fact line just to see if there's anything else that has changed in your life that I need to factor in with the advice. Mhmm.","start_word":3451,"end_word":3496,"intents":[{"intent":"Offer assistance","confidence_score":0.00041532802}]},{"text":"where that might be? It is 0405 Yeah.","start_word":3586,"end_word":3593,"intents":[{"intent":"Confirm insurance location","confidence_score":0.0000027394872}]},{"text":"Otherwise, when it comes to your employment, you're still working as a warehouse manager?","start_word":3603,"end_word":3616,"intents":[{"intent":"Check new employment status","confidence_score":0.00022409063}]},{"text":"And who's your new employer? What's the the name? Are they called spec fast, s t e c? Yep.","start_word":3662,"end_word":3680,"intents":[{"intent":"Check employee information","confidence_score":0.00007147291},{"intent":"Confirm company name","confidence_score":0.022377132}]},{"text":"Now with your new employee as well, do you know if they have a special enterprise bargain agreement or anything like that or No.","start_word":3687,"end_word":3710,"intents":[{"intent":"Discuss special enterprise bargain agreement","confidence_score":0.0012561984}]},{"text":"On the to do list. Would you like us to send you a bit of pricing and referrals to a firm that we work Yeah.","start_word":4002,"end_word":4026,"intents":[{"intent":"Provide pricing and referrals and recommendations","confidence_score":2.7602414e-7}]},{"text":"But you don't have anyone who makes any financial decisions on your behalf No. otherwise.","start_word":4078,"end_word":4092,"intents":[{"intent":"Evaluate financial decisions","confidence_score":0.01598835}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. Is this Matthew? Yes. Speaking. This is Veronica from OCU Financial. How are you this afternoon?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.16712836921215057},{"text":"Good.","start_word":19,"end_word":19,"sentiment":"positive","sentiment_score":0.4421844482421875},{"text":"How are you?","start_word":20,"end_word":22,"sentiment":"neutral","sentiment_score":0.2862697243690491},{"text":"Good. Thanks. I had you booked in for a bit of a catch up. Is now still a good time for you?","start_word":23,"end_word":44,"sentiment":"positive","sentiment_score":0.3974694013595581},{"text":"Yes. It's Yep.","start_word":45,"end_word":47,"sentiment":"neutral","sentiment_score":0.25477510690689087},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.6150227189064026},{"text":"Now just before I do go any further, I just need to let you know that our calls are fine. being recorded for quality and coaching purposes, if that's okay. Yep. That's fine.","start_word":49,"end_word":81,"sentiment":"neutral","sentiment_score":0.10721439123153688},{"text":"Perfect.","start_word":82,"end_word":82,"sentiment":"positive","sentiment_score":0.4419183135032654},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address, please? Yeah. It's Matthew Troy Halliday. Thirteenth the second nineteen eighty six. 8 Barnett Street, Ashcroft, New South Wales 2168. Yep.","start_word":83,"end_word":126,"sentiment":"neutral","sentiment_score":0.05321867763996124},{"text":"Perfect. That's exactly what I have here.","start_word":127,"end_word":133,"sentiment":"positive","sentiment_score":0.5834220051765442},{"text":"And how's your day been so far? Been busy? Day. It's not too bad. Busy.","start_word":134,"end_word":148,"sentiment":"neutral","sentiment_score":0.1492396891117096},{"text":"Oh, that's good.","start_word":149,"end_word":151,"sentiment":"positive","sentiment_score":0.4572727978229522},{"text":"Now, Matthew, I did have you booked in for a bit of a quarterly review, and then I believe as well that you had some potential advice questions and stuff that you want to address today as well. Yes. Yeah. So if we start with, I guess, like, your questions and what it is that you want to focus on today, and then we can always work through the other stuff. Yep. So I'm going to get a bit of an inheritance very shortly. Yeah. I just wanna know the best way to sort of invest that. Now do you know how much you're getting and when? It's possibly around about 200,000, and the house settles on the March 25. So the I don't know how long that takes Okay. Okay. to sort Perfect. of come through. But yeah. Yep. Now there are a lot of different things, obviously, you can do depending on what your goals are and what you are trying to achieve. Yep. So, typically, it's more so what what your goals are, and then we would work from there with potential different strategies in trying to achieve that. Yep. So I can see here that, obviously, when we have spoken to you before so during, I think, there was the last annual review you had with my colleague, Dana, there is a note that your focus was to tryna save up to buy a property. Yep.","start_word":152,"end_word":391,"sentiment":"neutral","sentiment_score":0.11042597281436126},{"text":"Is that still a Yep.","start_word":392,"end_word":396,"sentiment":"positive","sentiment_score":0.41661199927330017},{"text":"goal So for you?","start_word":397,"end_word":400,"sentiment":"neutral","sentiment_score":0.27565544843673706},{"text":"I would yeah. I'd I'd probably use a chunk of that as, like, a a Yep.","start_word":401,"end_word":416,"sentiment":"positive","sentiment_score":0.348229318857193},{"text":"deposit to put down on the house. And I work here, obviously, to pay and all that sort of stuff. So I wanna get them paid off and Yep. yeah. So kind of using a portion for property. Do you know what kind of properties you're looking at? Like, how much they'd be worth? Yeah.","start_word":417,"end_word":471,"sentiment":"neutral","sentiment_score":0.14150168001651764},{"text":"And and that's the hardest thing because I'm a single income, so it's sort of limits me to how much I can borrow and all that sort of stuff.","start_word":472,"end_word":500,"sentiment":"negative","sentiment_score":-0.4581228494644165},{"text":"So, Yep. yeah, I don't know where I wanna buy yet. So, ideally, Okay. I'd love to move down the coast, but I don't know when. Yep. Just say kind of so using, obviously, chunks. Do you have any other, you know, savings and stuff like that that would be used through deposit as well, or would it No. mainly Not be really. okay. So obviously, using a portion for property. Now have you spoken to a mortgage broker or anything? No. Like, have Nothing. you no. If you would like me to, I'd be happy to get one of our our mortgage brokers to give you a call. I would say that would kind of be the first step as well because it's a little bit hard to know, okay. Well, how much money do Yeah. we have left over? What do we wanna invest with it? Until you kind of know at least the property side of, Yeah. you know, how much Yeah. Yeah. excess cash. Yeah. That that's what I So was thinking. Like, in in the short Yeah. term, I could probably put it into a bank account and just let it grow into a sort of Yeah. yeah. Just I can ex work out what I wanna do. You know what I mean? Like, as I said, the ultimate goal is to buy a property, Yeah. Yes. And that just obviously until changed I can exactly. And that changed as well because, obviously, like, time frame depends on, you know, the style of investment. And if it is for property, I'd be happy to send you if it is that you're looking for just, like, general savings for the time being until you know the property, Yeah. Yeah.","start_word":501,"end_word":793,"sentiment":"neutral","sentiment_score":0.06859854260402327},{"text":"I'm happy to send you just some general information on, you know, different savings account and stuff like that.","start_word":794,"end_word":812,"sentiment":"positive","sentiment_score":0.40546083450317383},{"text":"I'm not a lender, so I can't give you any Yeah. of that, but So just some some yeah. general options. If not, the lender will be the best one to know as well in terms of, you know, high interest savings account and stuff like that. Yeah. So I've currently got a lot of my credit sales, which is running out. I mean, it's like 4.5. I don't know what it is exactly.","start_word":813,"end_word":886,"sentiment":"neutral","sentiment_score":0.06650378555059433},{"text":"That's that's pretty good.","start_word":887,"end_word":890,"sentiment":"positive","sentiment_score":0.4974472224712372},{"text":"Yeah. Yeah. So I was just Okay. thinking about maybe just chuck it into there and just, you know, Yeah. let that sort of grow into my workout. Yes. And that's typically the best way if especially because we don't wanna lock it in if you are looking to buy a That's property exactly in in right. I'm unlocking your super or something like that, and exactly. that's Even, you know, term deposits. Exactly. Or anything like that. Like, you'd wanna have the flexibility.","start_word":891,"end_word":974,"sentiment":"neutral","sentiment_score":0.12672340869903564},{"text":"So, obviously, a high interest savings account is is a great option, and that's what a lot of people do Yeah.","start_word":975,"end_word":995,"sentiment":"positive","sentiment_score":0.34850582480430603},{"text":"until they figure out from the property side. Then when you do have a property, like, once you know how much you wanna borrow, once you know how much you need for the deposit and you know how much extra you have, then Yes. we can always be like, okay. Well, if that's 50 or 20 or however much you have left that you go, you Yes. know what?","start_word":996,"end_word":1064,"sentiment":"neutral","sentiment_score":0.12770099937915802},{"text":"I'm happy to lock this in for a longer period, or my Yes.","start_word":1065,"end_word":1077,"sentiment":"positive","sentiment_score":0.3637087643146515},{"text":"goal is to have, you know, diversified in different investment options and, you know, draw an income, like, whatever that might be. Mhmm. We Yes. can then work on different strategies for that. But I would say Yes. the first point would be at least just to get a bit of an idea from the mortgage broker, okay, with with your current situation, like you said as well with the single income, Yes.","start_word":1078,"end_word":1150,"sentiment":"neutral","sentiment_score":0.2408299595117569},{"text":"the properties you're looking at, what could you borrow, what kind of properties would that get you, and then we can always work from there. So are you happy for me to pass on your Yeah.","start_word":1151,"end_word":1186,"sentiment":"positive","sentiment_score":0.39393314719200134},{"text":"Yeah. email Yeah. and contact details to the lender to give you a bit of a call Yep. just Yep. to have a general catch up? Perfect. And when is a a best time for you typically? Mhmm. Anytime sort of, like, after 05:00. Okay. So after five, kind of Monday to Thursday, Monday to Friday. Yep.","start_word":1187,"end_word":1243,"sentiment":"neutral","sentiment_score":0.1276078075170517},{"text":"Perfect. I will send a bit of an introduction email as well so that you have their contact details as well.","start_word":1244,"end_word":1264,"sentiment":"positive","sentiment_score":0.3853892982006073},{"text":"But they typically Yes. give you a bit of a call first and just run through some different scenarios that you can work on all the figures and stuff like that.","start_word":1265,"end_word":1295,"sentiment":"neutral","sentiment_score":0.30038827657699585},{"text":"And then that's a good starting point for you as well to see where how much you actually could borrow Yes.","start_word":1296,"end_word":1316,"sentiment":"positive","sentiment_score":0.4777154326438904},{"text":"and, you know, if you need to save a bit more or whether you can use just a portion of that Yes.","start_word":1317,"end_word":1338,"sentiment":"neutral","sentiment_score":0.32552045583724976},{"text":"and kind of take it from there. And then once you have kind of sorted that out, obviously, let me know and keep me up to date, and then we can work on, okay.","start_word":1339,"end_word":1372,"sentiment":"positive","sentiment_score":0.3416314125061035},{"text":"Well, how much extra do we have, and what do we now wanna do with Yes. that? Yeah.","start_word":1373,"end_word":1390,"sentiment":"neutral","sentiment_score":0.19342075288295743},{"text":"Perfect.","start_word":1391,"end_word":1391,"sentiment":"positive","sentiment_score":0.5176715850830078},{"text":"Now aside from from that, which is obviously exciting for you as well, a couple of other financial goals there for you, Is there any other areas or or stuff you want me to focus on or just a bit of an update on, you know, your account and what's happened in the last couple of months? Yeah. It's just a zero update. Yeah. Not really Yep. yeah. Besides that, there's nothing else really. Yep. Okay.","start_word":1392,"end_word":1467,"sentiment":"neutral","sentiment_score":0.1607239544391632},{"text":"Perfect. Now I know that you did a bit of a a big advice strategy with my colleague, Dana, again about a year ago, which is great. That's obviously all sorted and finalized for you.","start_word":1468,"end_word":1502,"sentiment":"positive","sentiment_score":0.5741001963615417},{"text":"Mhmm. And your superannuation in Hub 24 at the moment, so right now, it's at 103,886. Do you keep an eye on your superannuation a Yeah. lot? Do you have Yeah. the I app check on the it every phone? now and again. It looks like it's gone down over the last couple of days. So I checked it. Seven hours at a 105. So Yeah. There's obviously been there's been a lot of fluctuations in the market recently with, obviously, yeah. everything going on in the world. Yeah. And with your investments as well. Now after this call, it it's up to you. So if you would like, we can kind of bring forward the annual review a little bit and do a bit more comprehensive today because I would like to kind of go into the investments in a bit more detail and potentially look at swapping one option out for you. Mhmm. Yep. So what I can do after the call is I can get the team as well just to send you, like, the general annual review documents just for your review. And Yeah. then the documents that need signing, I'll just include that in the research paper, a bit later so we can do it all at one go. Yeah. Yep. So, basically, if we look at your investments, obviously, in hub twenty four, like I said, we have seen a bit of fluctuations in the market. Some of it is more like you stick with all trends and different options that's that's going on. But there is one particular investment that I do wanna address a little bit more, which is your Benelon Mhmm. Australian equity.","start_word":1503,"end_word":1784,"sentiment":"neutral","sentiment_score":0.0587642639875412},{"text":"Now that one was obviously recommended last year for you. It was doing really well. And the purpose behind this particular investment is to give you the active management approach.","start_word":1785,"end_word":1814,"sentiment":"positive","sentiment_score":0.4151271879673004},{"text":"So they are a managed fund, and how that work is that they work a little bit different in that they are trying to actively buy and sell different investments in order to try to outperform the market. Yes. So it's a little bit different through the the other investments, which are more your your passive index funds that we would call it. So, Yes. for example, one of them is iShares S and P five hundred, which essentially attracts their 500 largest companies listed in The US. So how that works is, obviously, if there is a company that gets bigger, it will get included in the investment. If that one that gets smaller, it kind of falls out. It kind of just tracks Yeah. the biggest 500. Does that make sense? Yeah. So the concept is a little bit different between them. And like I said, Benelon was to try to outperform that. Now they have underperformed a little bit recently, so I would like to look at swapping that one out for you. Mhmm. One Yes. of the reasons that they have kind of underperformed is that one of their investments that they have in their portfolio is the corporate travel group. I'm not sure if you've heard on the news or seen or anything, but they had a bit of issues with their reporting, which actually caused them to suspend some trading. So, obviously, you saw a Mhmm. bit of fluctuations and the investment dropped because of it. Now we've done a lot of extensive research on the investment, and they can the the the fund itself has been a little slow in making changes. So what I would like to do is review that investment for you and see if we can make a couple of tweaks and changes to make sure that we improve the returns a little bit for you and make sure that we always have you in the best option possible. Yes. Yep.","start_word":1815,"end_word":2146,"sentiment":"neutral","sentiment_score":-0.011605714447796345},{"text":"You're happy for me to do that?","start_word":2147,"end_word":2153,"sentiment":"positive","sentiment_score":0.516278088092804},{"text":"Yes. Yeah.","start_word":2154,"end_word":2155,"sentiment":"neutral","sentiment_score":0.26450541615486145},{"text":"Yep. Perfect.","start_word":2156,"end_word":2157,"sentiment":"positive","sentiment_score":0.4289513230323791},{"text":"Now with your portfolio as a whole as well, we do have you currently invested in a high growth portfolio. And I know that last year, you went over kind of that risk profile questionnaire where you kind of answered all the questions about fluctuations and tolerance to risk and stuff like that. And Yeah. you did come out as a high growth investor. Do you remember what it means to be a high growth investor? It's more like a risk, so you can take more risk than sort of like a somebody else. Yeah. Kind of. So it is it is where you are comfortable seeing fluctuations and bit of ups Mhmm. and downs in the short term in order to try and get you higher returns in the long term. And what that typically Yes. means that in about one to five years so every one in five years, you will have a negative year in order to tryna then outperform it in the long term, and then the other years to tryna obviously grow that. So Yes. it is also factoring in from a time frame point of view, making sure that you do have enough time in the market for those fluctuations. And, typically, in a high growth portfolio, we want to allow minimum eight years until retirement, which you certainly Mhmm. have. So from a time frame point of view, it is in a very good position as long as you are still comfortable seeing a bit of fluctuations in the short term in order to try to grow that full retirement Yes. in the long term. Are you still happy Yes. with, like, your high Yes. growth? Yep.","start_word":2158,"end_word":2441,"sentiment":"neutral","sentiment_score":0.07993101916262801},{"text":"Perfect.","start_word":2442,"end_word":2442,"sentiment":"positive","sentiment_score":0.4091162085533142},{"text":"And, typically, we see about, a 9010. So ninety percent in your growth investment, which will be your Australian shares, your international shares, property, and commodity, and then about 10% in defensive, which is, like, your cash, your fixed interest, and then gold kind of falls into both categories a little bit. Yes. Yep.","start_word":2443,"end_word":2496,"sentiment":"neutral","sentiment_score":0.13481657207012177},{"text":"Perfect.","start_word":2497,"end_word":2497,"sentiment":"positive","sentiment_score":0.35402679443359375},{"text":"So I'll have a look into those investments a little bit and to see that for you. But while I am researching your superannuation, I did wanted to check if you have recently read our newsletter at all. No. No. No. That's okay. So, essentially, we recently have partnered up with BlackRock, which you may have heard of. No. No. They are one of the biggest fund managers, and we have partnered up with them to create something that's called an SMA. Have you ever heard of that before? No. So an SMA, it is a self managed account. No. Yep. It is a little bit different to how your investments are currently structured in Hub twenty four. So the biggest kind of difference is, at the moment, with your investments, if you log in to your Hub twenty four, you will see each and every single one of those investments. Yep. And if we want to go and make a change to one of them, like now, for example, with Benelon, I will go and do all the research for you. I will then put together a proposal in a statement of advice. I will run that through with you, and then you would have to agree to the change before we can swap anything out. Yes. So it is a bit of a lengthy, obviously, on on the process and the compliance point, but then that gives you the full control of deciding if you are happy with the change or not. How Yeah. the estimate is a little bit different is that you invest in a portfolio. And then you you can still see when you log in to your account the different breakdowns of the different investments. It's a similar concept. But, Yes. otherwise, you kind of just see that you invested in a particular portfolio.","start_word":2498,"end_word":2807,"sentiment":"neutral","sentiment_score":0.10591033581764468},{"text":"So what that allows us to do is that we can very quickly make changes without having to go through that process of you approving it.","start_word":2808,"end_word":2833,"sentiment":"positive","sentiment_score":0.366551011800766},{"text":"So you'll Yes.","start_word":2834,"end_word":2836,"sentiment":"neutral","sentiment_score":0.3166676461696625},{"text":"still get notified of the change, but it will take away kind of, like, the paperwork and the kind of lengthy process because we can just quickly make a change to investments if we foresee it being so.","start_word":2837,"end_word":2874,"sentiment":"positive","sentiment_score":0.3640340864658356},{"text":"And, obviously, Yeah. partnering up with Blackhawk, we get access to all their expertise and softwares and everything like that as well. Yeah. Is that a approach that you are comfortable with, or do you prefer how things are currently structured for you? Not sure. No? But it's really like, it only means that you can just make changes without sort of all the backwards and forwards there. Right? Correct. It literally just means that we can very quickly like, if we foresee something changing and we're like, okay. Quickly, let's swap out this investment for something else before, Mhmm. let's say, it drops too much or or Yeah. before anything changes, we can quickly do that in the back end. We'll send you the information of, you know, this is obviously changed and the reasons why, but we can quickly make the change. Yes. Otherwise, the way that it is now is that we can still obviously make the change, but the process takes a lot longer. Yeah. Mongo. And, obviously, Yeah. because of that, sometimes there could be you know, obviously, it takes longer. They could fluctuate more in that time Yeah. frame. Yeah. So that is kind of the biggest benefit with the SMA is that we can kind of a bit more proactively do Yeah. that change Yeah. in the back end for you. Yeah. Now we'll we'll we'll have the new the new one where you can just do the hang this quickly. A bit quicker. Yeah.","start_word":2875,"end_word":3126,"sentiment":"neutral","sentiment_score":0.08125240796260418},{"text":"Perfect.","start_word":3127,"end_word":3127,"sentiment":"positive","sentiment_score":0.3810660243034363},{"text":"Now, obviously, everything that we do recommend still has to be in your best interest. It has to put Yep. you in a better position. So if I do the research and the the SMA portfolio, if it turns out to be not in a better position for you, then I will not recommend it. It's Yes. just making sure you are comfortable that with that approach if it turns out to be the best option for you. Yeah. So I Yeah. will review it as well as different portfolios and see, but it Mhmm.","start_word":3128,"end_word":3222,"sentiment":"neutral","sentiment_score":-0.07559128105640411},{"text":"is a very good thing where we can very quickly make those changes.","start_word":3223,"end_word":3235,"sentiment":"positive","sentiment_score":0.38348308205604553},{"text":"And, obviously, being partnered up with BlackRock, which is one of the the biggest fund managers, you can Google them as well.","start_word":3236,"end_word":3257,"sentiment":"neutral","sentiment_score":0.3046901822090149},{"text":"It does give us all that extra knowledge and research when it comes to the invest, which is great.","start_word":3258,"end_word":3276,"sentiment":"positive","sentiment_score":0.3938173055648804},{"text":"Yes. Yes. So I will research this for you. I will put together Mhmm. a in a paper, run through it with you, and then you can let me know what you would like to do. Yes. Yep.","start_word":3277,"end_word":3314,"sentiment":"neutral","sentiment_score":0.16978421807289124},{"text":"Perfect.","start_word":3315,"end_word":3315,"sentiment":"positive","sentiment_score":0.3616454005241394},{"text":"Otherwise, I do have here with your superannuation, your goal is to access super at the age of 60 and, ideally, Yes. an income of around $700 per week. Yeah.","start_word":3316,"end_word":3345,"sentiment":"neutral","sentiment_score":0.22106696665287015},{"text":"Perfect.","start_word":3346,"end_word":3346,"sentiment":"positive","sentiment_score":0.45911186933517456},{"text":"Now with your insurances as well, so you do have a bit of that default insurance within Hub twenty four. You Yes. do have a 400,896 worth of life cover. You have 29,286 worth of total permanent disability insurance. Yes. And then you do have an income protection as well, and that will pay a monthly amount of 2,176. You do have a sixty day waiting period and a five year benefit period. The total premium for all three is about $35 a month. Yeah. Yep.","start_word":3347,"end_word":3432,"sentiment":"neutral","sentiment_score":0.12120910785919012},{"text":"Perfect. You're still happy with those insurances and the way Yeah.","start_word":3433,"end_word":3443,"sentiment":"positive","sentiment_score":0.5205056667327881},{"text":"things are set up? Yep.","start_word":3444,"end_word":3448,"sentiment":"neutral","sentiment_score":0.15782928466796875},{"text":"Great. Perfect.","start_word":3449,"end_word":3450,"sentiment":"positive","sentiment_score":0.4883410930633545},{"text":"Now the other thing I do want to just quickly run through for for you here is just a quick updated fact line just to see if there's anything else that has changed in your life that I need to factor in with the advice. Mhmm. Yep. Now I do have you here for personal details down at single with two financial dependents. Is that still the case? I'll have only one very shortly in about a week. Yeah. Okay. One Sunday Perfect. thing. Yep. So one financial Yep. dependent. And now I have here next of kin, Brendan. Yep. Yep. Perfect. And what's his relationship to you? Okay. Great. Perfect. It doesn't look like I have his phone number listed, though, in the event that we can't contact you. Do you Okay. know Yep. where that might be? It is 0405 Yeah. 819, Eight one nine. Yep. 113. 113. Okay. Perfect. Otherwise, when it comes to your employment, you're still working as a warehouse manager? Yep. Yep. Perfect. I have here income at about 76,000. No. It's I've got a new job, so it's gone up to 80,000. 80. Perfect. Is it doing the same thing just Yeah. for The a same different thing. company? Yeah. Yeah. Okay. Perfect. Yeah. And who's your new employer? What's the the name? Are they called spec fast, s t e c? Yep. F a s t. Great. Perfect. Now with your new employee as well, do you know if they have a special enterprise bargain agreement or anything like that or No. just I think just standard? Yep. And they just pay that standard 12% contributions Yeah. into super? Yep.","start_word":3451,"end_word":3728,"sentiment":"neutral","sentiment_score":0.01826570186388793},{"text":"Great.","start_word":3729,"end_word":3729,"sentiment":"positive","sentiment_score":0.5735054612159729},{"text":"And you don't make any additional contributions. Otherwise, just that. No. Perfect. When it comes to assets at the moment, I have a motor vehicle right at about 50,000. Yeah. There it goes. Yeah. Yeah. Do you have anything owing on that one? No. No. Perfect. Any other assets, motorbikes or boats or anything else? No. Any other liabilities, like personal loans, credit cards, ZipPay? Yeah. I've got some I've got personal loan. Yep. Perfect. And do you know rough I think it's, like, 30,000. okay. Perfect. And did you say that you might use some of the inheritance Yeah. I'll I'll to use pay that yeah. off? Yep.","start_word":3730,"end_word":3838,"sentiment":"neutral","sentiment_score":0.048315729945898056},{"text":"That's great. Perfect.","start_word":3839,"end_word":3841,"sentiment":"positive","sentiment_score":0.39975231885910034},{"text":"Any other loans or anything like that? No. Great. And you've never been declared bankrupt or been under a part nine debt agreement? No. I think I was under a part nine integrated in our gender. Okay. That was cleared. Yeah. Do you know yeah. Perfect. Do you know roughly when it was cleared at all? What year? Testing your memory. I'd say shit. No. That's Just trying to work it okay. out. Probably 2014. Okay. Perfect. Yep. Hereabouts 2013, 2014. Yep. Great. Otherwise, health and lifestyle, I have you here as a smoker. No. What's that? Sorry? Yes. Yep. Any medications or changes to your health otherwise? No. No. Perfect. And do you have private health insurance? I've only got extras. That's it. Yep. That's okay. Just and when it comes to estate planning, do you have a will in place? No. I don't. But at least one No. thing in my opinion Yep. is to get that. Perfect. On the to do list. Would you like us to send you a bit of pricing and referrals to a firm that we work Yeah. closely Yeah. with? Or yep. Yeah. That way, at least you have the email details and then Yeah. Yeah. pricing as well. And if you find someone else, then, you know, at Yeah. least it gives you a bit of a guide Yeah. on on pricing and Exactly stuff. right. Yep. But you don't have anyone who makes any financial decisions on your behalf No. otherwise. Right? And are you politically exposed at all? Right. And you don't earn any income overseas?","start_word":3842,"end_word":4108,"sentiment":"neutral","sentiment_score":-0.02280685284666801},{"text":"No. Not perfect.","start_word":4109,"end_word":4111,"sentiment":"negative","sentiment_score":-0.360931009054184},{"text":"And I do have here all your superannuation. So in the event that something happened to you, I have a fifty fifty split for Cassidy and Indiana. That's still correct? Yep.","start_word":4112,"end_word":4142,"sentiment":"neutral","sentiment_score":0.05344099551439285},{"text":"Perfect. Now that was basically everything that I needed to confirm on my end.","start_word":4143,"end_word":4156,"sentiment":"positive","sentiment_score":0.3640238642692566},{"text":"Mhmm. So like I said, I will go and do some research on those investments for you to see if we can swap a few things to improve the the returns Yep.","start_word":4157,"end_word":4188,"sentiment":"neutral","sentiment_score":0.1917695552110672},{"text":"and everything there for you, still keeping you in a high growth, and I will consider that SMA as well for you.","start_word":4189,"end_word":4210,"sentiment":"positive","sentiment_score":0.4736005365848541},{"text":"Yep.","start_word":4211,"end_word":4211,"sentiment":"neutral","sentiment_score":0.26946234703063965},{"text":"Obviously, leaving assurances the way that they are, that's all doing well.","start_word":4212,"end_word":4223,"sentiment":"positive","sentiment_score":0.42521917819976807},{"text":"I will get the mortgage broker to reach out as well to kind of at least start that process of seeing Yes. a borrowing capacity Yes. and everything like that. And then, obviously, keep Mhmm. me up to date with how everything is going. And then once Yes. you have finalized that, we can always do new advice, just focusing on, you know, personal investment or investment Yes. bonds or whatever it might be, that you would like to do with the remainder of the Mhmm. money as well. Yep. But is there anything else that you need from me or any other questions that you have before I let you go otherwise? No? That's it. Yeah. Okay. Perfect. Now I'll also get the team to send you that lawyer information. It will take me a couple of weeks to put all of this research together, but as soon as I do just wanna let you know so you don't Yeah. think Yeah. Yeah. tomorrow. Yeah. Yeah. Yeah. Yeah. No. No. No. No. No. Perfect. As soon as I do, though, I'll give you a call and run through that with you, and then we can take it from there. And then you can always give me a bit of an update on, you know, the property and and what's happened as well. Yes. Yep. Yep. Yep.","start_word":4224,"end_word":4450,"sentiment":"neutral","sentiment_score":0.11307007153128736},{"text":"Perfect. Well, if you don't have any other questions, Matthew, I will let you go and enjoy Yep. your afternoon, and I look forward to speaking with you soon again. Not a problem at all. Thank you very much. No problem. We'll speak soon. Alright. Thank you.","start_word":4451,"end_word":4497,"sentiment":"positive","sentiment_score":0.5213152170181274},{"text":"Bye bye.","start_word":4498,"end_word":4499,"sentiment":"neutral","sentiment_score":0.33229994773864746},{"text":"Thanks. Bye.","start_word":4500,"end_word":4501,"sentiment":"positive","sentiment_score":0.4398132860660553}],"average":{"sentiment":"neutral","sentiment_score":0.1136517145381328}}}}