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I had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? I have Lot 63 0. Is that the right one? Yep. Okay. Beautiful. And how's your morning been so far? Been been busy? Alright. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific you would like to go over today in a bit more detail, so any particular questions that you have or whether it's just just a bit of a catch up and see where everything's at? Yep. Perfect. So what I will do first is just to go through just a bit of an updated fact time just to see if there is anything major that has changed in your life, if you need to make any changes to your advice. So just kind of bear with me as I go through this information. Now when it comes to your personal information, I have you down here as married with financial dependence. Is that correct? Yep. Perfect. And I do have here next up Ken William nominated. Yep. Yep. Perfect. Now I don't actually have a last name for William. Is that the same as yourself? Yes. Perfect. And just the best contact number as well, please. Oh, it's one of those things you never had you you just don't have to remember it anymore. You don't have to dial it. Yep. Five seven. Yep. 23. Perfect. Thank you so much. Now when it comes to occupation, I believe last time we spoke to you, you were on leave at the moment. Are you back at work, still on leave, or what's yeah. Congratulations. How old? Oh, no. Boy or girl? Oh, well, congratulations. Very exciting. And how's it all going? Yeah. Yeah. Oh, beautiful. I'm actually expecting my first one in three months. Sorry. I'll be right with you soon. Thank you. No. I hear beautiful things. Obviously, a bit of a change through sleeping and everything else, but a beautiful time. So, yeah, obviously, on I'm a try to leave at the moment. Are you planning on going back after a certain period of time or just kind of seeing what happens? Yep. Yep. Nice. Now, obviously, because you're not working, no contributions through Super, have you claimed on making any contributions yourself or not really right now, obviously, with not working in income? Nope. Yep. What happened? Yeah. No. It makes sense. No worries. Now asset wise, I have here that you own a property. It was last died at about 420,000. Is that still the case, or do you know if that's gone up a little bit? That's yes. The one that you guys live in. Mhmm. Okay. No. That's totally fair. Are you happy for me to leave it at 04:20, or do you think 05:50? Okay. Perfect. Mortgage about 03:10. Yep. And then also investment property, you still have that one? An investment property? Yes. Oh, nice. So mhmm. Mhmm. Yep. Oh, perfect. $1.1.0.2. Yep. Perfect. And mortgage on that one. Do you know? Roughly. No. Yep. Perfect. No. That's what I have here. And then the new investment property, where is that one? Perfect. Yep. And how much is that one worth? Do you know? About $7.90. Perfect. And we'll get on that one? Yep. Perfect. Any other new assets aside from the investment property? Any, like, motor vehicles or boats or bike motorbikes? Mhmm. Yep. And how much would that one be valued at, do you think? Yeah. It's like that I kind of depreciate a little bit, but that's all good. I'll leave it. And did you get a car loan or pay it outright? Yep. And about 70 as well, or do you know how much? About 50. Okay. Perfect. Anything else? No. That's all good. Perfect. And health and lifestyle, obviously, aside from postpartum recovery and everything, but have you Yeah. All good. Okay. Perfect. Estate planning wise, I have here that you guys have a will in place? Yes. Perfect. And is that pretty up to date? Mhmm. Yep. And I do have here for your beneficiaries. So in the event that something would've happened to you, I have your legal personal representative nominated so that it will revert to the will. Is that correct? Yes. Perfect. Otherwise, do you have a power of attorney in place or anyone who makes any financial decisions on your behalf? No. Yeah. Otherwise, no. Yeah. No. All good. And I guess kind of the other thing that's good to touch base on during annual review's goals to see kind of what's happened, what you are working towards, how do you you how did you go with the last goals you set, which for you, I have here that was to buy another investment property, which you guys obviously did. So that is great. And is there anything else, obviously, that you are working towards financially or nonfinancially at all in the near future? No. Yeah. No. That's all good. And when it comes to superannuation, I have here that, ideally, you would like to retire at 60. Is that still the case? Yep. Yeah. We try it now, but the LSU controls come from super 60. So I'll leave it at that, but you know? And I have here that when you do decide or when you can access super, a weekly income of about $1,000 from super was your was your goal at the time when you came on board. Is that still achievable, do you think, or do you think you'd need more, or you think just for you that will be sufficient to cover, know, bills and Mhmm. Yes. Yeah. Yeah. Perfect. And when it comes through how your money is invested in super, now I'll just go through a bit of a risk profile questionnaire with you there, Justine. It it's just multiple choice to make it nice and easy. There's no right or wrong answer, and it's just to kind of gauge how you feel about certain situations. Sometimes I know it's a bit hypothetical, and it can be a bit tricky. But just trying to trying to gauge of what you feel would be the most aligned with you, and that is just to make sure we have you in the right level of risk that you are comfortable with. Does that make sense? Yep. Perfect. Now have you ever bought direct shares yourself from superannuation? Nope. Perfect. And, yeah, we've already touched on time frames. And when it comes to how much risk you are willing to take for superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Correct. Yes. It was. Yep. And fluctuations of volatility wise, if you did notice a fluctuation after placing an investment after six months, it fluctuated by 20%, so went down by 20% due to gen general trends in the market. Would you say that you would wanna invest more while the prices are down? Kind of neutral hold and wait to see what happens, or would you want to shift to something more secure? So that means you are then selling when the prices have dropped. Bit more neutral. Yep. Perfect. And when it comes to fluctuations in any asset, so superannuation, for example, or any other personal asset, if, again, you saw a drop in value, would you feel optimistic about future investment opportunities? Again, kind of a little bit cautious, not making further investment, or would you say that you'd be concerned or highly anxious? A bit more cautious. Yep. And the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. No. No. Good. So just kind of for investment property in terms of borrowing money, that's where you would be comfortable. Yeah. Perfect. Now it tells me here that you have come out just kind of a borderline between a balanced and growth, which fits pretty perfectly because we do have you in a balanced growth portfolio. So it is someone that is looking at getting, you know, some growth out of your superannuation, but you also want a bit more of that conservative element to your portfolio as well in order to kinda limit fluctuations from the market. Now, typically, when we are looking at a asset allocation, so how your money is distributed and invested. We see about 70% in your growth assets. So that will be things like Australian shares, international shares, and property and commodities, and that is what's going to grow your super. Then we still had about 30% in your defensive, like your cash, your gold, your fixed interest to kinda focus on limit those fluctuations from the market. Are you still happy with that same kind of level of risk and where everything's at? Yeah. Yeah. Perfect. Now do you have access to your emails at the moment? Okay. Perfect. Because if you if you do, it just makes it a bit easier for yourself if you can. Even if it's just on the phone, if you have to put me on speaker, that's okay. I have sent you an email with a couple of documents to just kind of run through with you. Now we have just changed the software, so it might look a little bit different to what you were used to. It is the same kind of concept, though, where you get an email, and it should say request signature or something like that, but it could also end up in spam. Did you receive that one, like, ten minutes ago maybe? Yeah. Sure. Okay. You can do it later if you would like. It's it's okay. I do sometimes ask if you can get it up while I'm talking about it because sometimes makes it a bit easier. But if it is easier for you, I'm more than happy to just kind of run through the main points. And then when you have a little bit of time, you can go through it. And if you have any questions, you can always let me know. Yeah. No. No. That's all good. Now, essentially, when you do click on the link, you will see a couple of documents. Now the first one you will see is just a breakdown of your super and your insurances. Now you will see here that you have your super with Netwealth, and you do have about 76,000 or $102 in there. And you also yeah. Last time? Yeah. Sure. Just give me one second, and I will get it up for you. Now last time we spoke to you was a little bit more than twelve months ago. It was at 57,010. But let me see if I can get exactly twelve months ago so you can okay. Yep. Yes. And that is actually so the second document that you will see when you have a moment later, it it does give you a twelve month snapshot. So, yeah, so even though, obviously, you've probably heard and seen in on the news and everything like that, obviously, the last twelve months have been quite turbulent. So we've had a bit of market fluctuations in the market. Obviously, you had everything going on in The US with Trump and tariffs and everything with a little bit of fluctuation, and more recently with the war and everything like that as well. So we have seen a bit of fluctuations in the last twelve months. But your portfolio has actually still held up pretty good, and it is also because you are in a little bit of that defensive. So, like, your gold and silver and your portfolio have done really well and kind of helped stabilize everything. So in the last twelve months now this is after fees as well. So after all fees have come out of your account, your portfolio is still up by 6.91%, which we're which we're actually quite happy with given the market in the last twelve months and that you are in a, you know, a little bit more defensive component. So quite happy with that. So it's still going up, which is great. Now you probably have seen it wasn't something you had to sign, but on the March 12, we send you an email with a a record of advice to say that we did one investment change for you. Did you see that at all? If not, it's okay. No. That's okay. You're probably not. Totally fair. And and to be fair, it wasn't something you had sign, but it was just to let you know that, obviously, we we do take a proactive approach to your investment, and we do research your investments all the time. Because things are always changing in the market and in the world, and it is important to kind of stay on top of everything as well as things do change. So your investment committee did a pretty extensive review of the investment and found that one of the investments was slightly underperforming, which was the Benelon Australian Equity. And what we did was to switch it out for an alternative. So what we switched it for was the BetaShares Australia two hundred. Essentially, it was swapping one Australian investment for another one. Okay. But, basically, what it did is it kind of streamlined everything because it invests in the 200 largest companies in Australia. It's a very diversified portfolio. It was a little bit cheaper and performing a little bit better. So yeah. So we did that on the March 12. So if you do go to your, like, transactions in Netwealth or if you ever go back to that email, that's what that one was just if you do want that. But just to kinda limit, obviously, with everything going on. Now I won't be too much longer because I can hear a bit of noise in the background, and hopefully, baby's okay. No. That's all good, but it shouldn't be too much longer. But, essentially, you also have insurances with Zurich. And you do have your life and total permanent disability insurance in place. You are covered for 654,604 if something were to happen. And the premium, it's pretty cheap, actually. So on a year for both those two, it's 508 582 dollars for for total for both of them. So still happy with those insurances as well? Yep. Yep. Perfect. Now what you will see when you do have a moment later to have a look through the document is that you will also see just an updated services guide. It's one that you would have seen every year, but it's just a bit of an updated version. It is one of those compliance documents, but all the important information regarding us at OCA will be in them. If you do have a read over it, you will also see myself there on the page 10, I believe, if you do wanna put a face to the voice. Otherwise, none of the important information has changed. And now we will also ask you to sign two documents if you're happy to do so. One is your ongoing service agreement, and that's just to say that you are happy to sign. Now there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 and no changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it's not a lock in contract. But, essentially, by signing that otherwise, it lets us service and manage your account and insurances and everything for you in the meantime. Correct. Yeah. It's on the co yeah. So, basically, when you click on the link, it will kind of take you through the documents I just kind of touched on. You'll see a Vanguard index chart as well, and then also, a tax file number form. It will ask you to sign, just for compliance to say we are keeping a tax file number secure and safe on file, but it is all through that link. So when you click on the link, it will talk you take you through the documents. And then at the end, that will be true, and there will be the ongoing service agreement and then the tax phone number. It will just ask you to add a signature digitally. It would make it nice and easy. And once you have added those two signatures, it should say validate. When you press validate, it will then send it back to me, and then I can get that all uploaded and sorted for you. Yep. Perfect. If you do have any questions when you read over it, just give me a call. But, otherwise, when you have a moment, just have a read over it and just find those documents if you're happy to do so. And then, yeah, we'll obviously be in touch if there's any other changes. And if you need any advice or anything else from us at any point in time, just give us a call. Okay? Perfect. That's okay. Do you have any other questions for me before I let you get on with your afternoon otherwise? No. Okay. Yeah. Beautiful. Well well, congratulations again on the baby. And anything you need, just let me know. Yeah. Beautiful. Thank you so much. No worries. 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afternoon. This is Justine. Hello? Can you hear me? Hello?\n\nCan you hear me? Oh, so sorry. This is Veronica from Oakview Financial. Am I speaking with Justine? Yeah.\n\nPerfect. I had you booked in to go over your annual review. 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 with you. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? I have Lot 63 0. Is that the right one?\n\nYep. Okay. Beautiful. And how's your morning been so far? Been been busy?\n\nAlright. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific you would like to go over today in a bit more detail, so any particular questions that you have or whether it's just just a bit of a catch up and see where everything's at? Yep. Perfect.\n\nSo what I will do first is just to go through just a bit of an updated fact time just to see if there is anything major that has changed in your life, if you need to make any changes to your advice. So just kind of bear with me as I go through this information. Now when it comes to your personal information, I have you down here as married with financial dependence. Is that correct? Yep.\n\nPerfect. And I do have here next up Ken William nominated. Yep. Yep. Perfect.\n\nNow I don't actually have a last name for William. Is that the same as yourself? Yes. Perfect. And just the best contact number as well, please.\n\nOh, it's one of those things you never had you you just don't have to remember it anymore. You don't have to dial it. Yep. Five seven. Yep.\n\n23. Perfect. Thank you so much. Now when it comes to occupation, I believe last time we spoke to you, you were on leave at the moment. Are you back at work, still on leave, or what's yeah.\n\nCongratulations. How old? Oh, no. Boy or girl? Oh, well, congratulations.\n\nVery exciting. And how's it all going? Yeah. Yeah. Oh, beautiful.\n\nI'm actually expecting my first one in three months. Sorry. I'll be right with you soon. Thank you. No.\n\nI hear beautiful things. Obviously, a bit of a change through sleeping and everything else, but a beautiful time. So, yeah, obviously, on I'm a try to leave at the moment. Are you planning on going back after a certain period of time or just kind of seeing what happens? Yep.\n\nYep. Nice. Now, obviously, because you're not working, no contributions through Super, have you claimed on making any contributions yourself or not really right now, obviously, with not working in income? Nope. Yep.\n\nWhat happened? Yeah. No. It makes sense. No worries.\n\nNow asset wise, I have here that you own a property. It was last died at about 420,000. Is that still the case, or do you know if that's gone up a little bit? That's yes. The one that you guys live in.\n\nMhmm. Okay. No. That's totally fair. Are you happy for me to leave it at 04:20, or do you think 05:50?\n\nOkay. Perfect. Mortgage about 03:10. Yep. And then also investment property, you still have that one?\n\nAn investment property? Yes. Oh, nice. So mhmm. Mhmm.\n\nYep. Oh, perfect. $1.1.0.2. Yep. Perfect.\n\nAnd mortgage on that one. Do you know? Roughly. No. Yep.\n\nPerfect. No. That's what I have here. And then the new investment property, where is that one? Perfect.\n\nYep. And how much is that one worth? Do you know? About $7.90. Perfect.\n\nAnd we'll get on that one? Yep. Perfect. Any other new assets aside from the investment property? Any, like, motor vehicles or boats or bike motorbikes?\n\nMhmm. Yep. And how much would that one be valued at, do you think? Yeah. It's like that I kind of depreciate a little bit, but that's all good.\n\nI'll leave it. And did you get a car loan or pay it outright? Yep. And about 70 as well, or do you know how much? About 50.\n\nOkay. Perfect. Anything else? No. That's all good.\n\nPerfect. And health and lifestyle, obviously, aside from postpartum recovery and everything, but have you Yeah. All good. Okay. Perfect.\n\nEstate planning wise, I have here that you guys have a will in place? Yes. Perfect. And is that pretty up to date? Mhmm.\n\nYep. And I do have here for your beneficiaries. So in the event that something would've happened to you, I have your legal personal representative nominated so that it will revert to the will. Is that correct? Yes.\n\nPerfect. Otherwise, do you have a power of attorney in place or anyone who makes any financial decisions on your behalf? No. Yeah. Otherwise, no.\n\nYeah. No. All good. And I guess kind of the other thing that's good to touch base on during annual review's goals to see kind of what's happened, what you are working towards, how do you you how did you go with the last goals you set, which for you, I have here that was to buy another investment property, which you guys obviously did. So that is great.\n\nAnd is there anything else, obviously, that you are working towards financially or nonfinancially at all in the near future? No. Yeah. No. That's all good.\n\nAnd when it comes to superannuation, I have here that, ideally, you would like to retire at 60. Is that still the case? Yep. Yeah. We try it now, but the LSU controls come from super 60.\n\nSo I'll leave it at that, but you know? And I have here that when you do decide or when you can access super, a weekly income of about $1,000 from super was your was your goal at the time when you came on board. Is that still achievable, do you think, or do you think you'd need more, or you think just for you that will be sufficient to cover, know, bills and Mhmm. Yes. Yeah.\n\nYeah. Perfect. And when it comes through how your money is invested in super, now I'll just go through a bit of a risk profile questionnaire with you there, Justine. It it's just multiple choice to make it nice and easy. There's no right or wrong answer, and it's just to kind of gauge how you feel about certain situations.\n\nSometimes I know it's a bit hypothetical, and it can be a bit tricky. But just trying to trying to gauge of what you feel would be the most aligned with you, and that is just to make sure we have you in the right level of risk that you are comfortable with. Does that make sense? Yep. Perfect.\n\nNow have you ever bought direct shares yourself from superannuation? Nope. Perfect. And, yeah, we've already touched on time frames. And when it comes to how much risk you are willing to take for superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nCorrect. Yes. It was. Yep. And fluctuations of volatility wise, if you did notice a fluctuation after placing an investment after six months, it fluctuated by 20%, so went down by 20% due to gen general trends in the market.\n\nWould you say that you would wanna invest more while the prices are down? Kind of neutral hold and wait to see what happens, or would you want to shift to something more secure? So that means you are then selling when the prices have dropped. Bit more neutral. Yep.\n\nPerfect. And when it comes to fluctuations in any asset, so superannuation, for example, or any other personal asset, if, again, you saw a drop in value, would you feel optimistic about future investment opportunities? Again, kind of a little bit cautious, not making further investment, or would you say that you'd be concerned or highly anxious? A bit more cautious. Yep.\n\nAnd the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. No. No.\n\nGood. So just kind of for investment property in terms of borrowing money, that's where you would be comfortable. Yeah. Perfect. Now it tells me here that you have come out just kind of a borderline between a balanced and growth, which fits pretty perfectly because we do have you in a balanced growth portfolio.\n\nSo it is someone that is looking at getting, you know, some growth out of your superannuation, but you also want a bit more of that conservative element to your portfolio as well in order to kinda limit fluctuations from the market. Now, typically, when we are looking at a asset allocation, so how your money is distributed and invested. We see about 70% in your growth assets. So that will be things like Australian shares, international shares, and property and commodities, and that is what's going to grow your super. Then we still had about 30% in your defensive, like your cash, your gold, your fixed interest to kinda focus on limit those fluctuations from the market.\n\nAre you still happy with that same kind of level of risk and where everything's at? Yeah. Yeah. Perfect. Now do you have access to your emails at the moment?\n\nOkay. Perfect. Because if you if you do, it just makes it a bit easier for yourself if you can. Even if it's just on the phone, if you have to put me on speaker, that's okay. I have sent you an email with a couple of documents to just kind of run through with you.\n\nNow we have just changed the software, so it might look a little bit different to what you were used to. It is the same kind of concept, though, where you get an email, and it should say request signature or something like that, but it could also end up in spam. Did you receive that one, like, ten minutes ago maybe? Yeah. Sure.\n\nOkay. You can do it later if you would like. It's it's okay. I do sometimes ask if you can get it up while I'm talking about it because sometimes makes it a bit easier. But if it is easier for you, I'm more than happy to just kind of run through the main points.\n\nAnd then when you have a little bit of time, you can go through it. And if you have any questions, you can always let me know. Yeah. No. No.\n\nThat's all good. Now, essentially, when you do click on the link, you will see a couple of documents. Now the first one you will see is just a breakdown of your super and your insurances. Now you will see here that you have your super with Netwealth, and you do have about 76,000 or $102 in there. And you also yeah.\n\nLast time? Yeah. Sure. Just give me one second, and I will get it up for you. Now last time we spoke to you was a little bit more than twelve months ago.\n\nIt was at 57,010. But let me see if I can get exactly twelve months ago so you can okay. Yep. Yes. And that is actually so the second document that you will see when you have a moment later, it it does give you a twelve month snapshot.\n\nSo, yeah, so even though, obviously, you've probably heard and seen in on the news and everything like that, obviously, the last twelve months have been quite turbulent. So we've had a bit of market fluctuations in the market. Obviously, you had everything going on in The US with Trump and tariffs and everything with a little bit of fluctuation, and more recently with the war and everything like that as well. So we have seen a bit of fluctuations in the last twelve months. But your portfolio has actually still held up pretty good, and it is also because you are in a little bit of that defensive.\n\nSo, like, your gold and silver and your portfolio have done really well and kind of helped stabilize everything. So in the last twelve months now this is after fees as well. So after all fees have come out of your account, your portfolio is still up by 6.91%, which we're which we're actually quite happy with given the market in the last twelve months and that you are in a, you know, a little bit more defensive component. So quite happy with that. So it's still going up, which is great.\n\nNow you probably have seen it wasn't something you had to sign, but on the March 12, we send you an email with a a record of advice to say that we did one investment change for you. Did you see that at all? If not, it's okay. No. That's okay.\n\nYou're probably not. Totally fair. And and to be fair, it wasn't something you had sign, but it was just to let you know that, obviously, we we do take a proactive approach to your investment, and we do research your investments all the time. Because things are always changing in the market and in the world, and it is important to kind of stay on top of everything as well as things do change. So your investment committee did a pretty extensive review of the investment and found that one of the investments was slightly underperforming, which was the Benelon Australian Equity.\n\nAnd what we did was to switch it out for an alternative. So what we switched it for was the BetaShares Australia two hundred. Essentially, it was swapping one Australian investment for another one. Okay. But, basically, what it did is it kind of streamlined everything because it invests in the 200 largest companies in Australia.\n\nIt's a very diversified portfolio. It was a little bit cheaper and performing a little bit better. So yeah. So we did that on the March 12. So if you do go to your, like, transactions in Netwealth or if you ever go back to that email, that's what that one was just if you do want that.\n\nBut just to kinda limit, obviously, with everything going on. Now I won't be too much longer because I can hear a bit of noise in the background, and hopefully, baby's okay. No. That's all good, but it shouldn't be too much longer. But, essentially, you also have insurances with Zurich.\n\nAnd you do have your life and total permanent disability insurance in place. You are covered for 654,604 if something were to happen. And the premium, it's pretty cheap, actually. So on a year for both those two, it's 508 582 dollars for for total for both of them. So still happy with those insurances as well?\n\nYep. Yep. Perfect. Now what you will see when you do have a moment later to have a look through the document is that you will also see just an updated services guide. It's one that you would have seen every year, but it's just a bit of an updated version.\n\nIt is one of those compliance documents, but all the important information regarding us at OCA will be in them. If you do have a read over it, you will also see myself there on the page 10, I believe, if you do wanna put a face to the voice. Otherwise, none of the important information has changed. And now we will also ask you to sign two documents if you're happy to do so. One is your ongoing service agreement, and that's just to say that you are happy to sign.\n\nNow there is no changes whatsoever in regards to the fee structure. It stays exactly the same at 1.65 and no changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it's not a lock in contract. But, essentially, by signing that otherwise, it lets us service and manage your account and insurances and everything for you in the meantime. Correct.\n\nYeah. It's on the co yeah. So, basically, when you click on the link, it will kind of take you through the documents I just kind of touched on. You'll see a Vanguard index chart as well, and then also, a tax file number form. It will ask you to sign, just for compliance to say we are keeping a tax file number secure and safe on file, but it is all through that link.\n\nSo when you click on the link, it will talk you take you through the documents. And then at the end, that will be true, and there will be the ongoing service agreement and then the tax phone number. It will just ask you to add a signature digitally. It would make it nice and easy. And once you have added those two signatures, it should say validate.\n\nWhen you press validate, it will then send it back to me, and then I can get that all uploaded and sorted for you. Yep. Perfect. If you do have any questions when you read over it, just give me a call. But, otherwise, when you have a moment, just have a read over it and just find those documents if you're happy to do so.\n\nAnd then, yeah, we'll obviously be in touch if there's any other changes. And if you need any advice or anything else from us at any point in time, just give us a call. Okay? Perfect. That's okay.\n\nDo you have any other questions for me before I let you get on with your afternoon otherwise? No. Okay. Yeah. Beautiful.\n\nWell well, congratulations again on the baby. And anything you need, just let me know. Yeah. Beautiful. Thank you so much.\n\nNo worries. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.12,"end":3.84,"sentiment":"neutral","sentiment_score":0.23970378190279007},{"text":"This is Justine.","start":3.84,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.11718811343113582},{"text":"Hello?","start":8.08,"end":8.559999,"sentiment":"neutral","sentiment_score":0.03582741320133209},{"text":"Can you hear me?","start":8.559999,"end":9.54,"sentiment":"neutral","sentiment_score":0.020327502861618996},{"text":"Hello?","start":14.015,"end":14.495001,"sentiment":"neutral","sentiment_score":0.0072894832119345665}],"sentiment":"neutral","sentiment_score":0.08685443745079366,"num_words":11,"start":3.12,"end":14.495001},{"sentences":[{"text":"Can you hear me?","start":14.495001,"end":15.475,"sentiment":"neutral","sentiment_score":0.009118436719290912},{"text":"Oh, so sorry.","start":16.815,"end":17.615,"sentiment":"neutral","sentiment_score":0.016808746693034966},{"text":"This is Veronica from Oakview Financial.","start":17.615,"end":19.695,"sentiment":"neutral","sentiment_score":0.023234579401711624},{"text":"Am I speaking with Justine?","start":19.695,"end":20.915,"sentiment":"neutral","sentiment_score":0.01097413431853056},{"text":"Yeah.","start":22.575,"end":22.975,"sentiment":"neutral","sentiment_score":0.3080054223537445}],"sentiment":"neutral","sentiment_score":0.031009660911207135,"num_words":19,"start":14.495001,"end":22.975},{"sentences":[{"text":"Perfect.","start":22.975,"end":23.475,"sentiment":"positive","sentiment_score":0.6865451335906982},{"text":"I had you booked in to go over your annual review.","start":24.35,"end":26.75,"sentiment":"positive","sentiment_score":0.5013212886723605},{"text":"Is now still a good time for you?","start":26.75,"end":28.37,"sentiment":"positive","sentiment_score":0.4031486324965954},{"text":"Yep.","start":30.19,"end":30.69,"sentiment":"neutral","sentiment_score":0.29087695479393005},{"text":"Perfect.","start":30.75,"end":31.25,"sentiment":"positive","sentiment_score":0.42576688528060913}],"sentiment":"positive","sentiment_score":0.4610414640469985,"num_words":22,"start":22.975,"end":31.25},{"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 with you.","start":31.710001,"end":39.825,"sentiment":"neutral","sentiment_score":0.0637429441896177},{"text":"Perfect.","start":41.505,"end":42.005,"sentiment":"neutral","sentiment_score":0.2708684802055359},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":42.225002,"end":51.525,"sentiment":"neutral","sentiment_score":0.08770365244708955},{"text":"I have Lot 63 0.","start":61.44,"end":63.94,"sentiment":"neutral","sentiment_score":0.01599033549427986},{"text":"Is that the right one?","start":64.0,"end":65.14,"sentiment":"neutral","sentiment_score":0.03350947983562946}],"sentiment":"neutral","sentiment_score":0.07163399601405537,"num_words":74,"start":31.710001,"end":65.14},{"sentences":[{"text":"Yep.","start":66.465,"end":66.784996,"sentiment":"neutral","sentiment_score":0.09173446148633956},{"text":"Okay.","start":66.784996,"end":67.185,"sentiment":"neutral","sentiment_score":0.17983190715312958},{"text":"Beautiful.","start":67.185,"end":67.685,"sentiment":"positive","sentiment_score":0.3532460033893585},{"text":"And how's your morning been so far?","start":68.385,"end":70.465,"sentiment":"neutral","sentiment_score":0.14603625663689204},{"text":"Been been busy?","start":70.465,"end":71.525,"sentiment":"neutral","sentiment_score":0.029004295046130817}],"sentiment":"neutral","sentiment_score":0.13339069643272802,"num_words":13,"start":66.465,"end":71.525},{"sentences":[{"text":"Alright.","start":74.625,"end":75.025,"sentiment":"neutral","sentiment_score":0.08318465948104858},{"text":"Well, I will try not to keep you for too long.","start":75.025,"end":77.205,"sentiment":"neutral","sentiment_score":0.011535794897512957},{"text":"But before I do kind of jump into things, I do like to start by asking if there is anything specific you would like to go over today in a bit more detail, so any particular questions that you have or whether it's just just a bit of a catch up and see where everything's at?","start":78.03,"end":92.295,"sentiment":"neutral","sentiment_score":0.03136160840014262},{"text":"Yep.","start":94.215,"end":94.715,"sentiment":"neutral","sentiment_score":0.12050922960042952},{"text":"Perfect.","start":94.775,"end":95.275,"sentiment":"neutral","sentiment_score":0.2404138147830963}],"sentiment":"neutral","sentiment_score":0.03324645025921719,"num_words":70,"start":74.625,"end":95.275},{"sentences":[{"text":"So what I will do first is just to go through just a bit of an updated fact time just to see if there is anything major that has changed in your life, if you need to make any changes to your advice.","start":95.575,"end":105.835,"sentiment":"neutral","sentiment_score":0.054248943751634554},{"text":"So just kind of bear with me as I go through this information.","start":106.2,"end":109.42,"sentiment":"neutral","sentiment_score":0.02300655899139551},{"text":"Now when it comes to your personal information, I have you down here as married with financial 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yourself?","start":132.045,"end":133.585,"sentiment":"neutral","sentiment_score":0.0184998014010489},{"text":"Yes.","start":134.68,"end":135.18,"sentiment":"neutral","sentiment_score":0.16793884336948395},{"text":"Perfect.","start":135.4,"end":135.9,"sentiment":"positive","sentiment_score":0.4119386672973633},{"text":"And just the best contact number as well, please.","start":136.28,"end":139.73999,"sentiment":"neutral","sentiment_score":0.22291012108325958}],"sentiment":"neutral","sentiment_score":0.10406262803546808,"num_words":27,"start":129.085,"end":139.73999},{"sentences":[{"text":"Oh, it's one of those things you never had you you just don't have to remember it anymore.","start":146.215,"end":149.575,"sentiment":"neutral","sentiment_score":-0.02471058877805869},{"text":"You don't have to dial it.","start":149.575,"end":151.03499,"sentiment":"neutral","sentiment_score":-0.012197573824475208},{"text":"Yep.","start":155.015,"end":155.515,"sentiment":"neutral","sentiment_score":0.009392092004418371},{"text":"Five seven.","start":157.655,"end":158.47499,"sentiment":"neutral","sentiment_score":0.0074915720615535975},{"text":"Yep.","start":158.61499,"end":159.11499,"sentiment":"neutral","sentiment_score":0.008116016164422035}],"sentiment":"neutral","sentiment_score":-0.01733874245214143,"num_words":28,"start":146.215,"end":159.11499},{"sentences":[{"text":"23.","start":161.59999,"end":162.15999,"sentiment":"neutral","sentiment_score":0.023881804198026657},{"text":"Perfect.","start":162.15999,"end":162.65999,"sentiment":"positive","sentiment_score":0.4142386317253113},{"text":"Thank you so much.","start":162.72,"end":163.94,"sentiment":"positive","sentiment_score":0.6417799293994904},{"text":"Now when it comes to occupation, I believe last time we spoke to you, you were on leave at 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congratulations.","start":188.33,"end":189.23,"sentiment":"neutral","sentiment_score":0.2740081250667572}],"sentiment":"neutral","sentiment_score":0.1257458356293765,"num_words":11,"start":179.515,"end":189.23},{"sentences":[{"text":"Very exciting.","start":191.13,"end":191.93001,"sentiment":"positive","sentiment_score":0.6484653055667877},{"text":"And how's it all going?","start":191.93001,"end":193.31,"sentiment":"neutral","sentiment_score":0.26345630884170534},{"text":"Yeah.","start":195.93001,"end":196.43001,"sentiment":"neutral","sentiment_score":0.04449353367090225},{"text":"Yeah.","start":197.93001,"end":198.41,"sentiment":"neutral","sentiment_score":0.1450021117925644},{"text":"Oh, beautiful.","start":198.41,"end":199.15001,"sentiment":"positive","sentiment_score":0.4747910499572754}],"sentiment":"positive","sentiment_score":0.34120817279273813,"num_words":11,"start":191.13,"end":199.15001},{"sentences":[{"text":"I'm actually expecting my first one in three months.","start":199.29001,"end":202.345,"sentiment":"neutral","sentiment_score":0.20787911779350704},{"text":"Sorry.","start":202.345,"end":202.845,"sentiment":"neutral","sentiment_score":0.23565547168254852},{"text":"I'll be right with you soon.","start":203.06499,"end":204.685,"sentiment":"positive","sentiment_score":0.3968058278163274},{"text":"Thank you.","start":205.94499,"end":206.845,"sentiment":"positive","sentiment_score":0.4537832736968994},{"text":"No.","start":209.14499,"end":209.64499,"sentiment":"neutral","sentiment_score":0.13744428753852844}],"sentiment":"neutral","sentiment_score":0.29117964913970545,"num_words":19,"start":199.29001,"end":209.64499},{"sentences":[{"text":"I hear beautiful things.","start":209.70499,"end":211.245,"sentiment":"neutral","sentiment_score":0.30015818774700165},{"text":"Obviously, a bit of a change through sleeping and everything else, but a beautiful time.","start":212.025,"end":217.28,"sentiment":"neutral","sentiment_score":-0.0050139851868152615},{"text":"So, yeah, obviously, on I'm a try to leave at the moment.","start":217.28,"end":221.76,"sentiment":"neutral","sentiment_score":-0.046916087390854955},{"text":"Are you planning on going back after a certain period of time or just kind of seeing what happens?","start":221.76,"end":226.42,"sentiment":"neutral","sentiment_score":-0.06279962000093962},{"text":"Yep.","start":229.215,"end":229.715,"sentiment":"neutral","sentiment_score":0.02972801029682159}],"sentiment":"neutral","sentiment_score":-0.011784996965206136,"num_words":51,"start":209.70499,"end":229.715},{"sentences":[{"text":"Yep.","start":229.935,"end":230.435,"sentiment":"neutral","sentiment_score":0.07462416589260101},{"text":"Nice.","start":231.615,"end":232.115,"sentiment":"neutral","sentiment_score":-0.0251239575445652},{"text":"Now, obviously, because you're not working, no contributions through Super, have you claimed on making any contributions yourself or not really right now, obviously, with not working in income?","start":233.135,"end":244.97,"sentiment":"neutral","sentiment_score":-0.08048177170085496},{"text":"Nope.","start":246.55,"end":247.05,"sentiment":"neutral","sentiment_score":-0.18185363709926605},{"text":"Yep.","start":251.11,"end":251.61,"sentiment":"neutral","sentiment_score":-0.036828406155109406}],"sentiment":"neutral","sentiment_score":-0.07585312770397375,"num_words":33,"start":229.935,"end":251.61},{"sentences":[{"text":"What happened?","start":251.83,"end":252.65001,"sentiment":"neutral","sentiment_score":-0.04160275682806969},{"text":"Yeah.","start":253.67,"end":254.15001,"sentiment":"neutral","sentiment_score":0.011943813413381577},{"text":"No.","start":254.15001,"end":254.31,"sentiment":"neutral","sentiment_score":-0.01591213420033455},{"text":"It makes sense.","start":254.31,"end":255.29001,"sentiment":"neutral","sentiment_score":0.0259162038564682},{"text":"No worries.","start":257.64502,"end":258.385,"sentiment":"neutral","sentiment_score":0.002309858798980713}],"sentiment":"neutral","sentiment_score":-0.0005339450306362572,"num_words":9,"start":251.83,"end":258.385},{"sentences":[{"text":"Now asset wise, I have here that you own a property.","start":258.685,"end":264.20502,"sentiment":"neutral","sentiment_score":-0.0010462818159298463},{"text":"It was last died at about 420,000.","start":264.20502,"end":267.185,"sentiment":"neutral","sentiment_score":-0.04192261318010943},{"text":"Is that still the case, or do you know if that's gone up a little bit?","start":267.64502,"end":270.785,"sentiment":"neutral","sentiment_score":-0.021632488525938243},{"text":"That's yes.","start":273.53,"end":275.15,"sentiment":"neutral","sentiment_score":-0.0015189382247626781},{"text":"The one that you guys live in.","start":275.21,"end":276.90997,"sentiment":"neutral","sentiment_score":-0.002641313975410802}],"sentiment":"neutral","sentiment_score":-0.015642192626242026,"num_words":43,"start":258.685,"end":276.90997},{"sentences":[{"text":"Mhmm.","start":280.97,"end":281.47,"sentiment":"neutral","sentiment_score":-0.06176067888736725},{"text":"Okay.","start":285.065,"end":285.565,"sentiment":"neutral","sentiment_score":-0.11419615894556046},{"text":"No.","start":288.665,"end":288.98502,"sentiment":"neutral","sentiment_score":-0.2340930849313736},{"text":"That's totally fair.","start":288.98502,"end":290.185,"sentiment":"neutral","sentiment_score":-0.12699402620395026},{"text":"Are you happy for me to leave it at 04:20, or do you think 05:50?","start":290.185,"end":296.43997,"sentiment":"neutral","sentiment_score":0.0022603978092471757}],"sentiment":"neutral","sentiment_score":-0.03605362067797354,"num_words":21,"start":280.97,"end":296.43997},{"sentences":[{"text":"Okay.","start":296.43997,"end":296.75998,"sentiment":"neutral","sentiment_score":0.08269785344600677},{"text":"Perfect.","start":296.75998,"end":297.25998,"sentiment":"neutral","sentiment_score":0.19390076398849487},{"text":"Mortgage about 03:10.","start":298.91998,"end":301.09998,"sentiment":"neutral","sentiment_score":0.06969041377305984},{"text":"Yep.","start":303.63998,"end":304.13998,"sentiment":"neutral","sentiment_score":0.06887619197368622},{"text":"And then also investment property, you still have that one?","start":304.43997,"end":307.74,"sentiment":"neutral","sentiment_score":0.028376774117350578}],"sentiment":"neutral","sentiment_score":0.052394611993804574,"num_words":16,"start":296.43997,"end":307.74},{"sentences":[{"text":"An investment property?","start":309.73502,"end":310.95502,"sentiment":"neutral","sentiment_score":-0.0018956661224365234},{"text":"Yes.","start":312.375,"end":312.875,"sentiment":"neutral","sentiment_score":0.07147378474473953},{"text":"Oh, nice.","start":314.135,"end":315.035,"sentiment":"neutral","sentiment_score":0.2790537178516388},{"text":"So mhmm.","start":316.295,"end":318.635,"sentiment":"neutral","sentiment_score":0.07224227860569954},{"text":"Mhmm.","start":324.94998,"end":325.03,"sentiment":"neutral","sentiment_score":0.0470847524702549}],"sentiment":"neutral","sentiment_score":0.09060705908470684,"num_words":9,"start":309.73502,"end":325.03},{"sentences":[{"text":"Yep.","start":325.03,"end":325.53,"sentiment":"neutral","sentiment_score":0.07857456803321838},{"text":"Oh, perfect.","start":335.525,"end":336.105,"sentiment":"neutral","sentiment_score":0.22193589061498642},{"text":"$1.1.0.2.","start":336.48502,"end":338.085,"sentiment":"neutral","sentiment_score":0.10762510448694228},{"text":"Yep.","start":338.085,"end":338.48502,"sentiment":"neutral","sentiment_score":0.14971864223480225},{"text":"Perfect.","start":338.48502,"end":338.98502,"sentiment":"neutral","sentiment_score":0.3211844563484192}],"sentiment":"neutral","sentiment_score":0.18349575872222582,"num_words":6,"start":325.03,"end":338.98502},{"sentences":[{"text":"And mortgage on that one.","start":339.605,"end":342.565,"sentiment":"neutral","sentiment_score":0.11753431856632232},{"text":"Do you know?","start":342.565,"end":343.305,"sentiment":"neutral","sentiment_score":0.037986899415651955},{"text":"Roughly.","start":347.62,"end":348.12,"sentiment":"neutral","sentiment_score":-0.09748546779155733},{"text":"No.","start":353.3,"end":353.69998,"sentiment":"neutral","sentiment_score":-0.055025435984134674},{"text":"Yep.","start":353.69998,"end":354.02,"sentiment":"neutral","sentiment_score":-0.01987513154745102}],"sentiment":"neutral","sentiment_score":0.04811329597776586,"num_words":11,"start":339.605,"end":354.02},{"sentences":[{"text":"Perfect.","start":354.02,"end":354.5,"sentiment":"positive","sentiment_score":0.3970469832420349},{"text":"No.","start":354.5,"end":354.65997,"sentiment":"neutral","sentiment_score":0.02188383787870407},{"text":"That's what I have here.","start":354.65997,"end":355.87997,"sentiment":"neutral","sentiment_score":0.06123242676258087},{"text":"And then the new investment property, where is that one?","start":356.02,"end":359.24,"sentiment":"neutral","sentiment_score":0.04326081350445747},{"text":"Perfect.","start":364.095,"end":364.595,"sentiment":"positive","sentiment_score":0.4539508819580078}],"sentiment":"neutral","sentiment_score":0.08953622066312367,"num_words":18,"start":354.02,"end":364.595},{"sentences":[{"text":"Yep.","start":365.135,"end":365.635,"sentiment":"neutral","sentiment_score":0.16082951426506042},{"text":"And how much is that one worth?","start":366.575,"end":368.255,"sentiment":"neutral","sentiment_score":0.043181947831596644},{"text":"Do you know?","start":368.255,"end":368.99503,"sentiment":"neutral","sentiment_score":0.011806614696979523},{"text":"About $7.90.","start":377.23,"end":378.35,"sentiment":"neutral","sentiment_score":0.008811350911855698},{"text":"Perfect.","start":378.35,"end":378.85,"sentiment":"neutral","sentiment_score":0.24734953045845032}],"sentiment":"neutral","sentiment_score":0.054535373247095516,"num_words":14,"start":365.135,"end":378.85},{"sentences":[{"text":"And we'll get on that one?","start":378.91,"end":380.29,"sentiment":"neutral","sentiment_score":0.12075913573304813},{"text":"Yep.","start":384.125,"end":384.605,"sentiment":"neutral","sentiment_score":0.061647772789001465},{"text":"Perfect.","start":384.605,"end":385.105,"sentiment":"neutral","sentiment_score":0.17962053418159485},{"text":"Any other new assets aside from the investment property?","start":386.685,"end":389.96503,"sentiment":"neutral","sentiment_score":0.07732705151041348},{"text":"Any, like, motor vehicles or boats or bike motorbikes?","start":389.96503,"end":393.905,"sentiment":"neutral","sentiment_score":0.04006399710973104}],"sentiment":"neutral","sentiment_score":0.07778240611346868,"num_words":26,"start":378.91,"end":393.905},{"sentences":[{"text":"Mhmm.","start":396.62,"end":397.12,"sentiment":"neutral","sentiment_score":-0.0121124517172575},{"text":"Yep.","start":400.46,"end":400.96,"sentiment":"neutral","sentiment_score":0.03000809997320175},{"text":"And how much would that one be valued at, do you think?","start":401.1,"end":403.91998,"sentiment":"neutral","sentiment_score":0.011438982949281732},{"text":"Yeah.","start":408.715,"end":409.215,"sentiment":"neutral","sentiment_score":-0.016222547739744186},{"text":"It's like that I kind of depreciate a little bit, but that's all good.","start":411.435,"end":415.27502,"sentiment":"neutral","sentiment_score":0.007253188373787058}],"sentiment":"neutral","sentiment_score":0.008292604591055162,"num_words":29,"start":396.62,"end":415.27502},{"sentences":[{"text":"I'll leave it.","start":415.27502,"end":415.755,"sentiment":"neutral","sentiment_score":0.2743910104036331},{"text":"And did you get a car loan or pay it outright?","start":415.755,"end":419.695,"sentiment":"neutral","sentiment_score":0.030046655373139816},{"text":"Yep.","start":419.995,"end":420.495,"sentiment":"neutral","sentiment_score":0.001900026574730873},{"text":"And about 70 as well, or do you know how much?","start":421.35,"end":424.41,"sentiment":"neutral","sentiment_score":-0.0008436601439660245},{"text":"About 50.","start":426.94998,"end":427.59,"sentiment":"neutral","sentiment_score":0.01201811246573925}],"sentiment":"neutral","sentiment_score":0.041797936794215014,"num_words":28,"start":415.27502,"end":427.59},{"sentences":[{"text":"Okay.","start":427.59,"end":427.99,"sentiment":"neutral","sentiment_score":0.06119513139128685},{"text":"Perfect.","start":427.99,"end":428.49,"sentiment":"neutral","sentiment_score":0.15185795724391937},{"text":"Anything else?","start":429.03,"end":430.01,"sentiment":"neutral","sentiment_score":0.09021712839603424},{"text":"No.","start":432.31,"end":432.63,"sentiment":"neutral","sentiment_score":0.07921162247657776},{"text":"That's all good.","start":432.63,"end":433.66998,"sentiment":"neutral","sentiment_score":0.2676698565483093}],"sentiment":"neutral","sentiment_score":0.15946356719359756,"num_words":8,"start":427.59,"end":433.66998},{"sentences":[{"text":"Perfect.","start":433.66998,"end":434.16998,"sentiment":"neutral","sentiment_score":0.32493484020233154},{"text":"And health and lifestyle, obviously, aside from postpartum recovery and everything, but have you Yeah.","start":435.155,"end":444.19498,"sentiment":"neutral","sentiment_score":0.11466327731808026},{"text":"All good.","start":444.19498,"end":444.935,"sentiment":"positive","sentiment_score":0.34364746510982513},{"text":"Okay.","start":445.07498,"end":445.57498,"sentiment":"neutral","sentiment_score":0.15704888105392456},{"text":"Perfect.","start":445.63498,"end":446.13498,"sentiment":"neutral","sentiment_score":0.21537600457668304}],"sentiment":"neutral","sentiment_score":0.15523019079118966,"num_words":20,"start":433.66998,"end":446.13498},{"sentences":[{"text":"Estate planning wise, I have here that you guys have a will in place?","start":448.19998,"end":452.86,"sentiment":"neutral","sentiment_score":0.13422059001667158},{"text":"Yes.","start":453.96,"end":454.46,"sentiment":"neutral","sentiment_score":0.11913648247718812},{"text":"Perfect.","start":454.6,"end":455.0,"sentiment":"neutral","sentiment_score":0.20843780040740967},{"text":"And is that pretty up to date?","start":455.0,"end":457.34,"sentiment":"neutral","sentiment_score":0.10210150054522923},{"text":"Mhmm.","start":462.535,"end":463.035,"sentiment":"neutral","sentiment_score":0.006311628036201}],"sentiment":"neutral","sentiment_score":0.1219868614571169,"num_words":24,"start":448.19998,"end":463.035},{"sentences":[{"text":"Yep.","start":466.935,"end":467.435,"sentiment":"neutral","sentiment_score":0.1175140142440796},{"text":"And I do have here for your beneficiaries.","start":468.45502,"end":472.315,"sentiment":"neutral","sentiment_score":0.15739582292735577},{"text":"So in the event that something would've happened to you, I have your legal personal representative nominated so that it will revert to the will.","start":472.45502,"end":480.28,"sentiment":"neutral","sentiment_score":0.13592667996883392},{"text":"Is that correct?","start":480.28,"end":481.18,"sentiment":"neutral","sentiment_score":0.09575417637825014},{"text":"Yes.","start":482.36,"end":482.86,"sentiment":"positive","sentiment_score":0.4052949547767639}],"sentiment":"neutral","sentiment_score":0.1438790810735602,"num_words":38,"start":466.935,"end":482.86},{"sentences":[{"text":"Perfect.","start":482.91998,"end":483.41998,"sentiment":"positive","sentiment_score":0.6591267585754395},{"text":"Otherwise, do you have a power of attorney in place or anyone who makes any financial decisions on your behalf?","start":484.68,"end":489.97998,"sentiment":"neutral","sentiment_score":0.08051905445754529},{"text":"No.","start":491.885,"end":492.385,"sentiment":"neutral","sentiment_score":-0.0440201424062252},{"text":"Yeah.","start":492.685,"end":493.185,"sentiment":"neutral","sentiment_score":-0.01774657517671585},{"text":"Otherwise, no.","start":495.005,"end":495.885,"sentiment":"neutral","sentiment_score":-0.0924176536500454}],"sentiment":"neutral","sentiment_score":0.08091623291373252,"num_words":25,"start":482.91998,"end":495.885},{"sentences":[{"text":"Yeah.","start":495.885,"end":496.205,"sentiment":"neutral","sentiment_score":0.0398678183555603},{"text":"No.","start":496.205,"end":496.685,"sentiment":"neutral","sentiment_score":0.05973218381404877},{"text":"All good.","start":496.685,"end":497.505,"sentiment":"positive","sentiment_score":0.49988076090812683},{"text":"And I guess kind of the other thing that's good to touch base on during annual review's goals to see kind of what's happened, what you are working towards, how do you you how did you go with the last goals you set, which for you, I have here that was to buy another investment property, which you guys obviously did.","start":498.045,"end":514.01,"sentiment":"neutral","sentiment_score":0.16613166938062573},{"text":"So that is great.","start":514.01,"end":515.31,"sentiment":"neutral","sentiment_score":0.3089326284825802}],"sentiment":"neutral","sentiment_score":0.1807119401468747,"num_words":69,"start":495.885,"end":515.31},{"sentences":[{"text":"And is there anything else, obviously, that you are working towards financially or nonfinancially at all in the near future?","start":517.665,"end":527.365,"sentiment":"neutral","sentiment_score":0.15372696295380592},{"text":"No.","start":529.505,"end":530.005,"sentiment":"neutral","sentiment_score":-0.13670501112937927},{"text":"Yeah.","start":531.06,"end":531.45996,"sentiment":"neutral","sentiment_score":0.00878363661468029},{"text":"No.","start":531.45996,"end":531.62,"sentiment":"neutral","sentiment_score":-0.01662357524037361},{"text":"That's all good.","start":531.62,"end":532.83997,"sentiment":"neutral","sentiment_score":0.14649831131100655}],"sentiment":"neutral","sentiment_score":0.12959574012515637,"num_words":26,"start":517.665,"end":532.83997},{"sentences":[{"text":"And when it comes to superannuation, I have here that, ideally, you would like to retire at 60.","start":533.69995,"end":539.63995,"sentiment":"neutral","sentiment_score":0.04447654779586527},{"text":"Is that still the case?","start":541.22,"end":542.51996,"sentiment":"neutral","sentiment_score":0.04398914948105812},{"text":"Yep.","start":544.225,"end":544.725,"sentiment":"neutral","sentiment_score":0.06650707125663757},{"text":"Yeah.","start":544.865,"end":545.365,"sentiment":"neutral","sentiment_score":0.06297123432159424},{"text":"We try it now, but the LSU controls come from super 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Mhmm.","start":564.14,"end":574.875,"sentiment":"neutral","sentiment_score":0.018986135410765808},{"text":"Yes.","start":578.21497,"end":578.71497,"sentiment":"neutral","sentiment_score":-0.016933195292949677},{"text":"Yeah.","start":580.77496,"end":581.27496,"sentiment":"neutral","sentiment_score":0.020291773602366447}],"sentiment":"neutral","sentiment_score":0.03227885995156966,"num_words":77,"start":549.745,"end":581.27496},{"sentences":[{"text":"Yeah.","start":582.21497,"end":582.71497,"sentiment":"neutral","sentiment_score":0.24661171436309817},{"text":"Perfect.","start":582.77496,"end":583.27496,"sentiment":"positive","sentiment_score":0.4201769232749939},{"text":"And when it comes through how your money is invested in super, now I'll just go through a bit of a risk profile questionnaire with you there, Justine.","start":584.295,"end":593.85,"sentiment":"neutral","sentiment_score":0.2265334278345108},{"text":"It it's just multiple choice to make it nice and easy.","start":593.85,"end":596.58997,"sentiment":"neutral","sentiment_score":0.29706210643053055},{"text":"There's no right or wrong answer, and it's just to kind of gauge how you feel about certain situations.","start":596.97,"end":602.99,"sentiment":"neutral","sentiment_score":-0.10127088741252296}],"sentiment":"neutral","sentiment_score":0.13922101544837157,"num_words":60,"start":582.21497,"end":602.99},{"sentences":[{"text":"Sometimes I know it's a bit hypothetical, and it can be a bit tricky.","start":603.48505,"end":607.025,"sentiment":"neutral","sentiment_score":-0.13416099601558276},{"text":"But just trying to trying to gauge of what you feel would be the most aligned with you, and that is just to make sure we have you in the right level of risk that you are comfortable with.","start":607.80505,"end":617.16504,"sentiment":"neutral","sentiment_score":-0.03093941691212165},{"text":"Does that make sense?","start":617.16504,"end":618.22504,"sentiment":"neutral","sentiment_score":0.03476217808201909},{"text":"Yep.","start":619.59,"end":619.91003,"sentiment":"neutral","sentiment_score":0.2695848345756531},{"text":"Perfect.","start":619.91003,"end":620.41003,"sentiment":"positive","sentiment_score":0.47444045543670654}],"sentiment":"neutral","sentiment_score":-0.03731893561780453,"num_words":59,"start":603.48505,"end":620.41003},{"sentences":[{"text":"Now have you ever bought direct shares yourself from superannuation?","start":620.55,"end":624.25,"sentiment":"neutral","sentiment_score":0.11667835116386413},{"text":"Nope.","start":626.79004,"end":627.27,"sentiment":"neutral","sentiment_score":-0.021547531709074978},{"text":"Perfect.","start":627.27,"end":627.77,"sentiment":"neutral","sentiment_score":0.18352526426315308},{"text":"And, yeah, we've already touched on time frames.","start":628.95,"end":631.43,"sentiment":"neutral","sentiment_score":0.07587086921557784},{"text":"And when it comes to how much risk you are willing to take for superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":631.43,"end":646.625,"sentiment":"neutral","sentiment_score":-0.049864913263407196}],"sentiment":"neutral","sentiment_score":0.0007045085156529114,"num_words":58,"start":620.55,"end":646.625},{"sentences":[{"text":"Correct.","start":651.21,"end":651.69,"sentiment":"neutral","sentiment_score":0.03863377869129181},{"text":"Yes.","start":651.69,"end":651.93,"sentiment":"neutral","sentiment_score":0.059872910380363464},{"text":"It was.","start":651.93,"end":652.67,"sentiment":"neutral","sentiment_score":0.06167685613036156},{"text":"Yep.","start":652.89,"end":653.39,"sentiment":"neutral","sentiment_score":0.03172926604747772},{"text":"And fluctuations of volatility wise, if you did notice a fluctuation after placing an investment after six months, it fluctuated by 20%, so went down by 20% due to gen general trends in the market.","start":654.81,"end":671.655,"sentiment":"neutral","sentiment_score":-0.019133807718753816}],"sentiment":"neutral","sentiment_score":-0.010402340069413185,"num_words":40,"start":651.21,"end":671.655},{"sentences":[{"text":"Would you say that you would wanna invest more while the prices are down?","start":672.3,"end":676.24,"sentiment":"neutral","sentiment_score":-0.025256614067724774},{"text":"Kind of neutral hold and wait to see what happens, or would you want to shift to something more secure?","start":676.62,"end":683.1,"sentiment":"neutral","sentiment_score":-0.038167566806077954},{"text":"So that means you are then selling when the prices have dropped.","start":683.1,"end":685.84,"sentiment":"neutral","sentiment_score":-0.027124178906281788},{"text":"Bit more neutral.","start":689.24506,"end":690.04504,"sentiment":"neutral","sentiment_score":0.0682867740591367},{"text":"Yep.","start":690.04504,"end":690.525,"sentiment":"neutral","sentiment_score":0.1791507452726364}],"sentiment":"neutral","sentiment_score":-0.02116846024990082,"num_words":50,"start":672.3,"end":690.525},{"sentences":[{"text":"Perfect.","start":690.525,"end":691.025,"sentiment":"neutral","sentiment_score":0.2845465838909149},{"text":"And when it comes to fluctuations in any asset, so superannuation, for example, or any other personal asset, if, again, you saw a drop in value, would you feel optimistic about future investment opportunities?","start":692.765,"end":708.8,"sentiment":"neutral","sentiment_score":0.033327615819871426},{"text":"Again, kind of a little bit cautious, not making further investment, or would you say that you'd be concerned or highly anxious?","start":709.98,"end":717.705,"sentiment":"neutral","sentiment_score":-0.1898465207354589},{"text":"A bit more cautious.","start":720.325,"end":721.30505,"sentiment":"neutral","sentiment_score":-0.12491438537836075},{"text":"Yep.","start":721.60504,"end":722.10504,"sentiment":"neutral","sentiment_score":-0.008067614398896694}],"sentiment":"neutral","sentiment_score":-0.05268811436009503,"num_words":62,"start":690.525,"end":722.10504},{"sentences":[{"text":"And the last one here is in regards to borrowing money.","start":723.04504,"end":725.765,"sentiment":"neutral","sentiment_score":-0.022502212023193188},{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":725.765,"end":730.86,"sentiment":"neutral","sentiment_score":-0.04357639613250892},{"text":"No.","start":733.0,"end":733.4,"sentiment":"neutral","sentiment_score":-0.0697518065571785},{"text":"No.","start":733.4,"end":733.8,"sentiment":"neutral","sentiment_score":-0.2619827389717102},{"text":"No.","start":733.8,"end":734.12,"sentiment":"neutral","sentiment_score":-0.21047258377075195}],"sentiment":"neutral","sentiment_score":-0.049771634604910325,"num_words":29,"start":723.04504,"end":734.12},{"sentences":[{"text":"Good.","start":734.12,"end":734.44,"sentiment":"neutral","sentiment_score":0.1229705661535263},{"text":"So just kind of for investment property in terms of borrowing money, that's where you would be comfortable.","start":734.44,"end":739.26,"sentiment":"neutral","sentiment_score":0.08755282788640922},{"text":"Yeah.","start":739.32,"end":739.8,"sentiment":"positive","sentiment_score":0.38695940375328064},{"text":"Perfect.","start":739.8,"end":740.3,"sentiment":"positive","sentiment_score":0.619195818901062},{"text":"Now it tells me here that you have come out just kind of a borderline between a balanced and growth, which fits pretty perfectly because we do have you in a balanced growth portfolio.","start":741.16003,"end":751.185,"sentiment":"positive","sentiment_score":0.3555372352985775}],"sentiment":"neutral","sentiment_score":0.26896986710754306,"num_words":55,"start":734.12,"end":751.185},{"sentences":[{"text":"So it is someone that is looking at getting, you know, some growth out of your superannuation, but you also want a bit more of that conservative element to your portfolio as well in order to kinda limit fluctuations from the market.","start":752.365,"end":767.67,"sentiment":"neutral","sentiment_score":0.26004534285692943},{"text":"Now, typically, when we are looking at a asset allocation, so how your money is distributed and invested.","start":768.37,"end":775.425,"sentiment":"neutral","sentiment_score":0.15614175175627074},{"text":"We see about 70% in your growth assets.","start":775.96497,"end":779.02496,"sentiment":"neutral","sentiment_score":0.22803889960050583},{"text":"So that will be things like Australian shares, international shares, and property and commodities, and that is what's going to grow your super.","start":779.165,"end":786.865,"sentiment":"neutral","sentiment_score":0.27746665283389715},{"text":"Then we still had about 30% in your defensive, like your cash, your gold, your fixed interest to kinda focus on limit those fluctuations from the market.","start":787.10004,"end":797.52,"sentiment":"neutral","sentiment_score":0.1575609583545614}],"sentiment":"neutral","sentiment_score":0.22197157643356566,"num_words":118,"start":752.365,"end":797.52},{"sentences":[{"text":"Are you still happy with that same kind of level of risk and where everything's at?","start":798.06,"end":802.48004,"sentiment":"neutral","sentiment_score":0.10962748387828469},{"text":"Yeah.","start":803.995,"end":804.395,"sentiment":"neutral","sentiment_score":0.14724989235401154},{"text":"Yeah.","start":804.395,"end":804.875,"sentiment":"neutral","sentiment_score":0.18129071593284607},{"text":"Perfect.","start":804.875,"end":805.375,"sentiment":"neutral","sentiment_score":0.2690267562866211},{"text":"Now do you have access to your emails at the moment?","start":806.955,"end":810.255,"sentiment":"neutral","sentiment_score":0.09094691310416568}],"sentiment":"neutral","sentiment_score":0.11173410502572854,"num_words":30,"start":798.06,"end":810.255},{"sentences":[{"text":"Okay.","start":813.115,"end":813.615,"sentiment":"neutral","sentiment_score":0.20981860160827637},{"text":"Perfect.","start":813.675,"end":814.175,"sentiment":"positive","sentiment_score":0.349989652633667},{"text":"Because if you if you do, it just makes it a bit easier for yourself if you can.","start":814.235,"end":819.21,"sentiment":"neutral","sentiment_score":0.3263714263836543},{"text":"Even if it's just on the phone, if you have to put me on speaker, that's okay.","start":819.21,"end":822.51,"sentiment":"neutral","sentiment_score":0.0797216055147788},{"text":"I have sent you an email with a couple of documents to just kind of run through with you.","start":824.17,"end":829.15,"sentiment":"neutral","sentiment_score":0.15977286586635991}],"sentiment":"neutral","sentiment_score":0.1933115298992821,"num_words":56,"start":813.115,"end":829.15},{"sentences":[{"text":"Now we have just changed the software, so it might look a little bit different to what you were used to.","start":829.69,"end":835.44495,"sentiment":"neutral","sentiment_score":-0.012015871260137785},{"text":"It is the same kind of concept, though, where you get an email, and it should say request signature or something like that, but it could also end up in spam.","start":835.58496,"end":845.62,"sentiment":"neutral","sentiment_score":-0.09073716173729589},{"text":"Did you receive that one, like, ten minutes ago maybe?","start":845.62,"end":849.0,"sentiment":"neutral","sentiment_score":-0.11704598218202591},{"text":"Yeah.","start":850.66,"end":850.98,"sentiment":"neutral","sentiment_score":-0.008875885978341103},{"text":"Sure.","start":850.98,"end":851.48,"sentiment":"neutral","sentiment_score":0.024267658591270447}],"sentiment":"neutral","sentiment_score":-0.06594145874259993,"num_words":64,"start":829.69,"end":851.48},{"sentences":[{"text":"Okay.","start":858.035,"end":858.535,"sentiment":"neutral","sentiment_score":-0.05640806630253792},{"text":"You can do it later if you would like.","start":861.235,"end":862.755,"sentiment":"neutral","sentiment_score":0.17456108993954128},{"text":"It's it's okay.","start":862.755,"end":863.735,"sentiment":"positive","sentiment_score":0.47437135378519696},{"text":"I do sometimes ask if you can get it up while I'm talking about it because sometimes makes it a bit easier.","start":864.595,"end":870.86,"sentiment":"neutral","sentiment_score":0.31739702956242993},{"text":"But if it is easier for you, I'm more than happy to just kind of run through the main points.","start":870.86,"end":875.27997,"sentiment":"positive","sentiment_score":0.6239349082112312}],"sentiment":"positive","sentiment_score":0.4072579748928547,"num_words":55,"start":858.035,"end":875.27997},{"sentences":[{"text":"And then when you have a little bit of time, you can go through it.","start":875.42,"end":877.82,"sentiment":"positive","sentiment_score":0.4574729442596436},{"text":"And if you have any questions, you can always let me know.","start":877.82,"end":880.32,"sentiment":"positive","sentiment_score":0.3691437741120656},{"text":"Yeah.","start":881.435,"end":881.935,"sentiment":"neutral","sentiment_score":0.22875115275382996},{"text":"No.","start":882.635,"end":882.875,"sentiment":"neutral","sentiment_score":-0.0788763165473938},{"text":"No.","start":882.875,"end":883.195,"sentiment":"neutral","sentiment_score":-0.11712095886468887}],"sentiment":"positive","sentiment_score":0.3774857776860396,"num_words":30,"start":875.42,"end":883.195},{"sentences":[{"text":"That's all good.","start":883.195,"end":884.415,"sentiment":"neutral","sentiment_score":0.20062845448652902},{"text":"Now, essentially, when you do click on the link, you will see a couple of documents.","start":885.195,"end":889.295,"sentiment":"neutral","sentiment_score":0.09413887048140168},{"text":"Now the first one you will see is just a breakdown of your super and your insurances.","start":889.995,"end":896.655,"sentiment":"neutral","sentiment_score":0.09942630678415298},{"text":"Now you will see here that you have your super with Netwealth, and you do have about 76,000 or $102 in there.","start":897.98004,"end":907.60004,"sentiment":"neutral","sentiment_score":0.13337379118258302},{"text":"And you also yeah.","start":908.06,"end":909.84,"sentiment":"neutral","sentiment_score":0.07952818460762501}],"sentiment":"neutral","sentiment_score":0.11372081695064422,"num_words":62,"start":883.195,"end":909.84},{"sentences":[{"text":"Last time?","start":911.625,"end":912.525,"sentiment":"neutral","sentiment_score":-0.005615370813757181},{"text":"Yeah.","start":913.465,"end":913.78503,"sentiment":"neutral","sentiment_score":0.05150463804602623},{"text":"Sure.","start":913.78503,"end":914.185,"sentiment":"neutral","sentiment_score":0.12702402472496033},{"text":"Just give me one second, and I will get it up for you.","start":914.185,"end":919.885,"sentiment":"neutral","sentiment_score":0.12713836477353022},{"text":"Now last time we spoke to you was a little bit more than twelve months ago.","start":931.08,"end":934.46,"sentiment":"neutral","sentiment_score":-0.006952321680728346}],"sentiment":"neutral","sentiment_score":0.05178362170629429,"num_words":33,"start":911.625,"end":934.46},{"sentences":[{"text":"It was at 57,010.","start":935.16003,"end":938.82495,"sentiment":"neutral","sentiment_score":0.01763095334172249},{"text":"But let me see if I can get exactly twelve months ago so you can okay.","start":940.485,"end":945.94495,"sentiment":"neutral","sentiment_score":0.017979720141738653},{"text":"Yep.","start":947.44495,"end":947.94495,"sentiment":"neutral","sentiment_score":0.047356076538562775},{"text":"Yes.","start":949.045,"end":949.545,"sentiment":"neutral","sentiment_score":0.11954984068870544},{"text":"And that is actually so the second document that you will see when you have a moment later, it it does give you a twelve month snapshot.","start":950.37,"end":957.35,"sentiment":"neutral","sentiment_score":0.11977379879465809}],"sentiment":"neutral","sentiment_score":0.0767142412309744,"num_words":49,"start":935.16003,"end":957.35},{"sentences":[{"text":"So, yeah, so even though, obviously, you've probably heard and seen in on the news and everything like that, obviously, the last twelve months have been quite turbulent.","start":958.53,"end":967.58496,"sentiment":"neutral","sentiment_score":-0.08971745786922318},{"text":"So we've had a bit of market fluctuations in the market.","start":969.005,"end":973.725,"sentiment":"neutral","sentiment_score":-0.13554191961884499},{"text":"Obviously, you had everything going on in The US with Trump and tariffs and everything with a little bit of fluctuation, and more recently with the war and everything like that as well.","start":973.725,"end":981.99,"sentiment":"neutral","sentiment_score":-0.05100980290268181},{"text":"So we have seen a bit of fluctuations in the last twelve months.","start":981.99,"end":985.05,"sentiment":"neutral","sentiment_score":-0.07454870440638982},{"text":"But your portfolio has actually still held up pretty good, and it is also because you are in a little bit of that defensive.","start":985.75,"end":991.61,"sentiment":"positive","sentiment_score":0.45517581452926}],"sentiment":"neutral","sentiment_score":0.039162504215459894,"num_words":109,"start":958.53,"end":991.61},{"sentences":[{"text":"So, like, your gold and silver and your portfolio have done really well and kind of helped stabilize everything.","start":991.67,"end":997.58496,"sentiment":"positive","sentiment_score":0.5720858040608858},{"text":"So in the last twelve months now this is after fees as well.","start":997.805,"end":1003.32495,"sentiment":"neutral","sentiment_score":0.2135299312380644},{"text":"So after all fees have come out of your account, your portfolio is still up by 6.91%, which we're which we're actually quite happy with given the market in the last twelve months and that you are in a, you know, a little bit more defensive component.","start":1003.32495,"end":1019.6,"sentiment":"positive","sentiment_score":0.49065837264060974},{"text":"So quite happy with that.","start":1020.62,"end":1021.82,"sentiment":"positive","sentiment_score":0.5519210815429687},{"text":"So it's still going up, which is great.","start":1021.82,"end":1025.7649,"sentiment":"positive","sentiment_score":0.7087137028574944}],"sentiment":"positive","sentiment_score":0.4906062818253818,"num_words":92,"start":991.67,"end":1025.7649},{"sentences":[{"text":"Now you probably have seen it wasn't something you had to sign, but on the March 12, we send you an email with a a record of advice to say that we did one investment change for you.","start":1026.225,"end":1040.92,"sentiment":"neutral","sentiment_score":0.01095093174004241},{"text":"Did you see that at all?","start":1040.92,"end":1042.7001,"sentiment":"neutral","sentiment_score":-0.008162429245809713},{"text":"If not, it's okay.","start":1043.3201,"end":1044.54,"sentiment":"neutral","sentiment_score":-0.06970541551709175},{"text":"No.","start":1045.7201,"end":1046.2201,"sentiment":"neutral","sentiment_score":-0.05105115473270416},{"text":"That's okay.","start":1046.3601,"end":1047.18,"sentiment":"neutral","sentiment_score":-0.02669861912727356}],"sentiment":"neutral","sentiment_score":-0.00031586714527186225,"num_words":51,"start":1026.225,"end":1047.18},{"sentences":[{"text":"You're probably not.","start":1049.24,"end":1050.54,"sentiment":"neutral","sentiment_score":-0.05070022866129875},{"text":"Totally fair.","start":1051.7201,"end":1052.52,"sentiment":"neutral","sentiment_score":-0.010265501216053963},{"text":"And and to be fair, it wasn't something you had sign, but it was just to let you know that, obviously, we we do take a proactive approach to your investment, and we do research your investments all the time.","start":1052.52,"end":1063.095,"sentiment":"neutral","sentiment_score":0.08893984579481184},{"text":"Because things are always changing in the market and in the world, and it is important to kind of stay on top of everything as well as things do change.","start":1063.395,"end":1071.0499,"sentiment":"neutral","sentiment_score":0.10689343189199765},{"text":"So your investment committee did a pretty extensive review of the investment and found that one of the investments was slightly underperforming, which was the Benelon Australian Equity.","start":1071.0499,"end":1081.63,"sentiment":"neutral","sentiment_score":-0.06566862655537468}],"sentiment":"neutral","sentiment_score":0.046146053947436,"num_words":103,"start":1049.24,"end":1081.63},{"sentences":[{"text":"And what we did was to switch it out for an alternative.","start":1083.065,"end":1087.405,"sentiment":"neutral","sentiment_score":-0.04152380892386039},{"text":"So what we switched it for was the BetaShares Australia two hundred.","start":1087.945,"end":1092.125,"sentiment":"neutral","sentiment_score":0.008616998248423139},{"text":"Essentially, it was swapping one Australian investment for another one.","start":1092.505,"end":1096.125,"sentiment":"neutral","sentiment_score":-0.021605270635336637},{"text":"Okay.","start":1096.93,"end":1097.41,"sentiment":"neutral","sentiment_score":-0.008044508285820484},{"text":"But, basically, what it did is it kind of streamlined everything because it invests in the 200 largest companies in Australia.","start":1097.41,"end":1104.29,"sentiment":"positive","sentiment_score":0.44013493117832003}],"sentiment":"neutral","sentiment_score":0.1539974037857194,"num_words":56,"start":1083.065,"end":1104.29},{"sentences":[{"text":"It's a very diversified portfolio.","start":1104.29,"end":1106.0701,"sentiment":"positive","sentiment_score":0.6586990118026733},{"text":"It was a little bit cheaper and performing a little bit better.","start":1106.4501,"end":1109.1901,"sentiment":"positive","sentiment_score":0.5236274972558022},{"text":"So yeah.","start":1109.41,"end":1110.855,"sentiment":"positive","sentiment_score":0.3453950881958008},{"text":"So we did that on the March 12.","start":1110.855,"end":1112.5352,"sentiment":"neutral","sentiment_score":0.1528917895630002},{"text":"So if you do go to your, like, transactions in Netwealth or if you ever go back to that email, that's what that one was just if you do want that.","start":1112.535,"end":1119.335,"sentiment":"neutral","sentiment_score":0.08999122126448539}],"sentiment":"neutral","sentiment_score":0.24621857548582143,"num_words":58,"start":1104.29,"end":1119.335},{"sentences":[{"text":"But just to kinda limit, obviously, with everything going on.","start":1119.335,"end":1123.195,"sentiment":"neutral","sentiment_score":-0.004322688654065132},{"text":"Now I won't be too much longer because I can hear a bit of noise in the background, and hopefully, baby's okay.","start":1124.48,"end":1130.8999,"sentiment":"neutral","sentiment_score":-0.04807096546177159},{"text":"No.","start":1133.7599,"end":1134.08,"sentiment":"neutral","sentiment_score":-0.05879700183868408},{"text":"That's all good, but it shouldn't be too much longer.","start":1134.08,"end":1136.48,"sentiment":"neutral","sentiment_score":0.041253536753356454},{"text":"But, essentially, you also have insurances with Zurich.","start":1136.48,"end":1140.025,"sentiment":"neutral","sentiment_score":0.17617580853402615}],"sentiment":"neutral","sentiment_score":0.012987386417009082,"num_words":51,"start":1119.335,"end":1140.025},{"sentences":[{"text":"And you do have your life and total permanent disability insurance in place.","start":1140.485,"end":1145.625,"sentiment":"neutral","sentiment_score":0.15283987040703112},{"text":"You are covered for 654,604 if something were to happen.","start":1146.645,"end":1152.505,"sentiment":"neutral","sentiment_score":0.23715618252754211},{"text":"And the premium, it's pretty cheap, actually.","start":1153.38,"end":1156.8201,"sentiment":"positive","sentiment_score":0.36400901845523287},{"text":"So on a year for both those two, it's 508 582 dollars for for total for both of them.","start":1156.8201,"end":1164.58,"sentiment":"neutral","sentiment_score":0.18277337480532496},{"text":"So still happy with those insurances as well?","start":1164.58,"end":1167.3201,"sentiment":"positive","sentiment_score":0.43707066029310226}],"sentiment":"neutral","sentiment_score":0.24343513462104296,"num_words":57,"start":1140.485,"end":1167.3201},{"sentences":[{"text":"Yep.","start":1168.495,"end":1168.995,"sentiment":"neutral","sentiment_score":0.1944597363471985},{"text":"Yep.","start":1169.215,"end":1169.715,"sentiment":"neutral","sentiment_score":0.2829985022544861},{"text":"Perfect.","start":1169.775,"end":1170.275,"sentiment":"positive","sentiment_score":0.4883919954299927},{"text":"Now what you will see when you do have a moment later to have a look through the document is that you will also see just an updated services guide.","start":1170.495,"end":1178.335,"sentiment":"neutral","sentiment_score":0.12936308061083157},{"text":"It's one that you would have seen every year, but it's just a bit of an updated version.","start":1178.335,"end":1182.195,"sentiment":"neutral","sentiment_score":0.09403633553948668}],"sentiment":"neutral","sentiment_score":0.12822346455034087,"num_words":51,"start":1168.495,"end":1182.195},{"sentences":[{"text":"It is one of those compliance documents, but all the important information regarding us at OCA will be in them.","start":1183.13,"end":1188.4901,"sentiment":"neutral","sentiment_score":0.0971875686198473},{"text":"If you do have a read over it, you will also see myself there on the page 10, I believe, if you do wanna put a face to the voice.","start":1188.4901,"end":1194.75,"sentiment":"neutral","sentiment_score":0.09253645737965902},{"text":"Otherwise, none of the important information has changed.","start":1195.05,"end":1198.03,"sentiment":"neutral","sentiment_score":0.014429057016968727},{"text":"And now we will also ask you to sign two documents if you're happy to do so.","start":1199.5349,"end":1203.395,"sentiment":"neutral","sentiment_score":0.1881065511089914},{"text":"One is your ongoing service agreement, and that's just to say that you are happy to sign.","start":1203.455,"end":1209.475,"sentiment":"positive","sentiment_score":0.3536529593607959}],"sentiment":"neutral","sentiment_score":0.15266510030335706,"num_words":92,"start":1183.13,"end":1209.475},{"sentences":[{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":1211.1,"end":1214.78,"sentiment":"neutral","sentiment_score":0.047828794457018375},{"text":"It stays exactly the same at 1.65 and no changes in regards to that, and it is not a lock in contract.","start":1214.78,"end":1221.98,"sentiment":"neutral","sentiment_score":0.10095560703087937},{"text":"So if at any point in time you are not happy, it's not a lock in contract.","start":1221.98,"end":1225.6,"sentiment":"neutral","sentiment_score":0.006642319919431911},{"text":"But, essentially, by signing that otherwise, it lets us service and manage your account and insurances and everything for you in the meantime.","start":1225.985,"end":1232.405,"sentiment":"neutral","sentiment_score":0.2569030886111052},{"text":"Correct.","start":1235.5851,"end":1236.0851,"sentiment":"neutral","sentiment_score":0.08198125660419464}],"sentiment":"neutral","sentiment_score":0.11864854161938032,"num_words":75,"start":1211.1,"end":1236.0851},{"sentences":[{"text":"Yeah.","start":1236.385,"end":1236.625,"sentiment":"neutral","sentiment_score":0.09878931939601898},{"text":"It's on the co yeah.","start":1236.625,"end":1237.905,"sentiment":"neutral","sentiment_score":0.11616600155830384},{"text":"So, basically, when you click on the link, it will kind of take you through the documents I just kind of touched on.","start":1237.905,"end":1242.48,"sentiment":"neutral","sentiment_score":0.18973940481310306},{"text":"You'll see a Vanguard index chart as well, and then also, a tax file number form.","start":1242.48,"end":1247.9199,"sentiment":"neutral","sentiment_score":0.2231046948581934},{"text":"It will ask you to sign, just for compliance to say we are keeping a tax file number secure and safe on file, but it is all through that link.","start":1248.1599,"end":1256.0549,"sentiment":"neutral","sentiment_score":0.22443146705627443}],"sentiment":"neutral","sentiment_score":0.20461659689744313,"num_words":75,"start":1236.385,"end":1256.0549},{"sentences":[{"text":"So when you click on the link, it will talk you take you through the documents.","start":1256.0549,"end":1259.195,"sentiment":"neutral","sentiment_score":0.179238541983068},{"text":"And then at the end, that will be true, and there will be the ongoing service agreement and then the tax phone number.","start":1259.575,"end":1265.175,"sentiment":"neutral","sentiment_score":0.15121506705232288},{"text":"It will just ask you to add a signature digitally.","start":1265.175,"end":1267.495,"sentiment":"neutral","sentiment_score":0.20146529376506805},{"text":"It would make it nice and easy.","start":1267.495,"end":1269.035,"sentiment":"positive","sentiment_score":0.3741930425167084},{"text":"And once you have added those two signatures, it should say validate.","start":1269.75,"end":1273.61,"sentiment":"neutral","sentiment_score":0.17951597024997076}],"sentiment":"neutral","sentiment_score":0.1931464572382324,"num_words":68,"start":1256.0549,"end":1273.61},{"sentences":[{"text":"When you press validate, it will then send it back to me, and then I can get that all uploaded and sorted for you.","start":1274.0701,"end":1280.41,"sentiment":"neutral","sentiment_score":0.20336073419700065},{"text":"Yep.","start":1281.765,"end":1282.245,"sentiment":"positive","sentiment_score":0.3859182298183441},{"text":"Perfect.","start":1282.245,"end":1282.745,"sentiment":"positive","sentiment_score":0.5694985389709473},{"text":"If you do have any questions when you read over it, just give me a call.","start":1283.125,"end":1286.645,"sentiment":"neutral","sentiment_score":0.32157850451767445},{"text":"But, otherwise, when you have a moment, just have a read over it and just find those documents if you're happy to do so.","start":1286.645,"end":1292.885,"sentiment":"neutral","sentiment_score":0.31060940648118657}],"sentiment":"neutral","sentiment_score":0.2793326699598269,"num_words":66,"start":1274.0701,"end":1292.885},{"sentences":[{"text":"And then, yeah, we'll obviously be in touch if there's any other changes.","start":1292.885,"end":1296.58,"sentiment":"neutral","sentiment_score":0.22467037233022544},{"text":"And if you need any advice or anything else from us at any point in time, just give us a call.","start":1296.58,"end":1302.02,"sentiment":"neutral","sentiment_score":0.1675328119170098},{"text":"Okay?","start":1302.02,"end":1302.52,"sentiment":"neutral","sentiment_score":0.12999404966831207},{"text":"Perfect.","start":1304.66,"end":1305.14,"sentiment":"neutral","sentiment_score":0.22994151711463928},{"text":"That's okay.","start":1305.14,"end":1305.7,"sentiment":"neutral","sentiment_score":0.3323028087615967}],"sentiment":"neutral","sentiment_score":0.19640644933832319,"num_words":38,"start":1292.885,"end":1305.7},{"sentences":[{"text":"Do you have any other questions for me before I let you get on with your afternoon otherwise?","start":1305.7,"end":1309.56,"sentiment":"neutral","sentiment_score":0.035176231215397515},{"text":"No.","start":1310.865,"end":1311.365,"sentiment":"neutral","sentiment_score":-0.09882013499736786},{"text":"Okay.","start":1311.5851,"end":1312.0851,"sentiment":"neutral","sentiment_score":-0.051717765629291534},{"text":"Yeah.","start":1312.545,"end":1313.045,"sentiment":"neutral","sentiment_score":0.16131219267845154},{"text":"Beautiful.","start":1313.345,"end":1313.845,"sentiment":"positive","sentiment_score":0.6592375040054321}],"sentiment":"neutral","sentiment_score":0.059235634451562706,"num_words":22,"start":1305.7,"end":1313.845},{"sentences":[{"text":"Well well, congratulations again on the baby.","start":1313.985,"end":1316.145,"sentiment":"positive","sentiment_score":0.7468318683760506},{"text":"And anything you need, just let me know.","start":1316.145,"end":1318.0851,"sentiment":"positive","sentiment_score":0.3361578807234764},{"text":"Yeah.","start":1320.601,"end":1321.101,"sentiment":"positive","sentiment_score":0.3991264402866363},{"text":"Beautiful.","start":1321.241,"end":1321.741,"sentiment":"positive","sentiment_score":0.7584763765335083},{"text":"Thank you so much.","start":1321.881,"end":1323.021,"sentiment":"positive","sentiment_score":0.6680077463388443}],"sentiment":"positive","sentiment_score":0.5593676155521756,"num_words":21,"start":1313.985,"end":1323.021},{"sentences":[{"text":"No worries.","start":1325.3209,"end":1325.881,"sentiment":"neutral","sentiment_score":0.12581952661275864},{"text":"Bye.","start":1325.881,"end":1326.381,"sentiment":"neutral","sentiment_score":-0.10192553699016572}],"sentiment":"neutral","sentiment_score":0.04990450541178385,"num_words":3,"start":1325.3209,"end":1326.381}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hi. Yep. Yep. Yeah. That's me. Yeah. Yeah. No. That's all good. Yep. Yep. Yep. Justine Monetan, 05/23/1988, and address, I think it's Lot 630 Joel Street Wagen or 15 Joel Street Wagen. Okay. Yep. Yep. Yep. Yeah. That's the right one. Yeah. A little bit, but that's okay. Yeah. Just a bit of a catch up. Mhmm. Yep. Yep. Yep. That's still right. Yeah. Yep. Can. Hang on. That's a good question. You think I'd know it by now, but I keep on forgetting it. Yeah. So 0400, 557 623. Yep. No. Still on still on leave. I've had another another baby. Thank you. He's just over three months now. A little boy. Yeah. Thank you. Yes. It's yeah. It's busy. But, no, it's good. It's good. Oh, congratulations. It's not all bad. Yeah. Yeah. Yep. Yeah. Probably off for a while, I think, at this stage. Yeah. Not right now, but we were sort of thinking about it for tax reasons. But I think with all the changes, we're just seeing where all that like yep. Okay. Which property was that? Was that the the current home? Or yeah. I would like to think it's increasing value, but I'm not sure how much exactly. It's a bit of a tricky one because it's, yeah, rural. So I don't know what it's actually worth. Maybe go 05:50. Yep. Yep. I think so. The what one? Sorry. Yes. Yeah. We've got we actually have two now. Yes. So there's one in Busselton, which I think yeah. We've had that for a while, so you guys probably have that on your books. I think oh, again, I'm not sure exactly how much, but I I would say safely, it'd be worth 1.2, hopefully more. No. Sorry. 3. We got I think it was $3.80, so it'll be yeah. We'll just keep it at that, I guess. Yep. So that is in Leda, L E D A, in Perth. I showed no experience for it. I I would say $7.07 90. $7.50? I have a different car, but yep. So that's a Toyota Kluger. We bought it for I think it was 70, but I'm not sure about car values. I wouldn't I would assume it's worth less than that now. Yeah. Yeah. Yeah. No car loan. Oh, I think 50. No. I think that's all really. Yeah. Apart from that, it's all yep. All all fine. Yep. Yes. Yep. Oh, it hasn't been updated since we had our first, which but it's pretty much all all go to the same kind of thing. Okay. Yep. No. No. Well, my husband makes more of the decisions, but that's yeah. Yep. Oh, cool. No. Not not so much now. Yeah. Yep. Yeah. Yep. Or now. That's it. Yep. Yeah. No. I'd like to think, yeah, I'd like to think that'd be the same. That depends on the inflation, I guess. It's hard to kind of know exactly where that'll be, but, yeah, we'll just keep it at that. Yep. Yep. Yep. Yeah. No. That's all good. No. Yeah. The small amount of risk. I think that's what I've still I had before, wasn't it? The low risk. Yep. Okay. Probably a bit more neutral. I'm probably a bit more cautious. Yeah. Oh, cool. Yep. Yep. Yeah. Yep. I think so. I do. Yep. Okay. Okay. Yep. Sorry. Just one minute. Yep. Yep. What's up? I've received that. Sorry. Did you need me to go through that one now, or can I do it a bit later? Cool. Yeah. Thank you. That'll be that'll be better. Yep. Oh, cool. How much was it from this time last year? Are you able to see that? Or yep. Yep. Okay. Oh, that's that's okay. If it was around about this time, that's that's fine. Yeah. So, yeah, definitely gone up more than I thought, actually. Yep. Yep. Yeah. Yes. Okay. No. I didn't. Sorry. Anyway, I just had my baby on the March 19, so I was like I probably if I did see it. Yes. Okay. Yes. Okay. Okay. Cool. Yep. Yep. Yep. No. That that's all good. Yeah. Yeah. Yeah. We're just driving at the moment. Okay. Yep. Okay. Yep. Yeah. Yeah. That should be fine. Yep. Yeah. Okay. Yep. So that's all on the same AML. Is it that I need to find? Yeah. Oh, that's easy. Yep. Yep. Okay. No worries. Sounds good. Yeah. No. That sounds good. Thank you. No. No. That's that sounds like, covers everything. Yeah. Thank you. Yep. And thank you. Good luck with your baby too. It'll be yeah. No worries. Thank you. 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Hello? Hi. Yep. Yep.\n\nYeah. That's me. Yeah. Yeah. No.\n\nThat's all good. Yep. Yep. Yep. Justine Monetan, 05/23/1988, and address, I think it's Lot 630 Joel Street Wagen or 15 Joel Street Wagen.\n\nOkay. Yep. Yep. Yep. Yeah.\n\nThat's the right one. Yeah. A little bit, but that's okay. Yeah. Just a bit of a catch up.\n\nMhmm. Yep. Yep. Yep. That's still right.\n\nYeah. Yep. Can. Hang on. That's a good question.\n\nYou think I'd know it by now, but I keep on forgetting it. Yeah. So 0400, 557 623. Yep. No.\n\nStill on still on leave. I've had another another baby. Thank you. He's just over three months now. A little boy.\n\nYeah. Thank you. Yes. It's yeah. It's busy.\n\nBut, no, it's good. It's good. Oh, congratulations. It's not all bad. Yeah.\n\nYeah. Yep. Yeah. Probably off for a while, I think, at this stage. Yeah.\n\nNot right now, but we were sort of thinking about it for tax reasons. But I think with all the changes, we're just seeing where all that like yep. Okay. Which property was that? Was that the the current home?\n\nOr yeah. I would like to think it's increasing value, but I'm not sure how much exactly. It's a bit of a tricky one because it's, yeah, rural. So I don't know what it's actually worth. Maybe go 05:50.\n\nYep. Yep. I think so. The what one? Sorry.\n\nYes. Yeah. We've got we actually have two now. Yes. So there's one in Busselton, which I think yeah.\n\nWe've had that for a while, so you guys probably have that on your books. I think oh, again, I'm not sure exactly how much, but I I would say safely, it'd be worth 1.2, hopefully more. No. Sorry. 3.\n\nWe got I think it was $3.80, so it'll be yeah. We'll just keep it at that, I guess. Yep. So that is in Leda, L E D A, in Perth. I showed no experience for it.\n\nI I would say $7.07 90. $7.50? I have a different car, but yep. So that's a Toyota Kluger. We bought it for I think it was 70, but I'm not sure about car values.\n\nI wouldn't I would assume it's worth less than that now. Yeah. Yeah. Yeah. No car loan.\n\nOh, I think 50. No. I think that's all really. Yeah. Apart from that, it's all yep.\n\nAll all fine. Yep. Yes. Yep. Oh, it hasn't been updated since we had our first, which but it's pretty much all all go to the same kind of thing.\n\nOkay. Yep. No. No. Well, my husband makes more of the decisions, but that's yeah.\n\nYep. Oh, cool. No. Not not so much now. Yeah.\n\nYep. Yeah. Yep. Or now. That's it.\n\nYep. Yeah. No. I'd like to think, yeah, I'd like to think that'd be the same. That depends on the inflation, I guess.\n\nIt's hard to kind of know exactly where that'll be, but, yeah, we'll just keep it at that. Yep. Yep. Yep. Yeah.\n\nNo. That's all good. No. Yeah. The small amount of risk.\n\nI think that's what I've still I had before, wasn't it? The low risk. Yep. Okay. Probably a bit more neutral.\n\nI'm probably a bit more cautious. Yeah. Oh, cool. Yep. Yep.\n\nYeah. Yep. I think so. I do. Yep.\n\nOkay. Okay. Yep. Sorry. Just one minute.\n\nYep. Yep. What's up? I've received that. Sorry.\n\nDid you need me to go through that one now, or can I do it a bit later? Cool. Yeah. Thank you. That'll be that'll be better.\n\nYep. Oh, cool. How much was it from this time last year? Are you able to see that? Or yep.\n\nYep. Okay. Oh, that's that's okay. If it was around about this time, that's that's fine. Yeah.\n\nSo, yeah, definitely gone up more than I thought, actually. Yep. Yep. Yeah. Yes.\n\nOkay. No. I didn't. Sorry. Anyway, I just had my baby on the March 19, so I was like I probably if I did see it.\n\nYes. Okay. Yes. Okay. Okay.\n\nCool. Yep. Yep. Yep. No.\n\nThat that's all good. Yeah. Yeah. Yeah. We're just driving at the moment.\n\nOkay. Yep. Okay. Yep. Yeah.\n\nYeah. That should be fine. Yep. Yeah. Okay.\n\nYep. So that's all on the same AML. Is it that I need to find? Yeah. Oh, that's easy.\n\nYep. Yep. Okay. No worries. Sounds good.\n\nYeah. No. That sounds good. Thank you. No.\n\nNo. That's that sounds like, covers everything. Yeah. Thank you. Yep.\n\nAnd thank you. Good luck with your baby too. It'll be yeah. No worries. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03934960067272186},{"text":"Hello?","start":12.4,"end":12.9,"sentiment":"neutral","sentiment_score":0.009133592247962952},{"text":"Hi.","start":15.045,"end":15.545,"sentiment":"neutral","sentiment_score":0.03203496336936951},{"text":"Yep.","start":15.605,"end":15.925,"sentiment":"neutral","sentiment_score":0.03455863147974014},{"text":"Yep.","start":15.925,"end":16.425,"sentiment":"neutral","sentiment_score":0.039234235882759094}],"sentiment":"neutral","sentiment_score":0.03086220473051071,"num_words":5,"start":0.39999998,"end":16.425},{"sentences":[{"text":"Yeah.","start":21.365,"end":21.525,"sentiment":"neutral","sentiment_score":0.046882834285497665},{"text":"That's me.","start":21.525,"end":22.345001,"sentiment":"neutral","sentiment_score":0.08122115209698677},{"text":"Yeah.","start":28.519999,"end":28.679998,"sentiment":"neutral","sentiment_score":0.1725289523601532},{"text":"Yeah.","start":28.679998,"end":28.92,"sentiment":"neutral","sentiment_score":0.15459707379341123},{"text":"No.","start":28.92,"end":29.16,"sentiment":"neutral","sentiment_score":0.16108137369155884}],"sentiment":"neutral","sentiment_score":0.11625542305409908,"num_words":6,"start":21.365,"end":29.16},{"sentences":[{"text":"That's all good.","start":29.16,"end":30.06,"sentiment":"positive","sentiment_score":0.33472925424575806},{"text":"Yep.","start":40.04,"end":40.36,"sentiment":"neutral","sentiment_score":0.07113682478666306},{"text":"Yep.","start":40.36,"end":40.86,"sentiment":"neutral","sentiment_score":0.10746368765830994},{"text":"Yep.","start":47.455,"end":47.955,"sentiment":"neutral","sentiment_score":0.07974640280008316},{"text":"Justine Monetan, 05/23/1988, and address, I think it's Lot 630 Joel Street Wagen or 15 Joel Street Wagen.","start":52.095,"end":60.7,"sentiment":"neutral","sentiment_score":0.019754187514384586}],"sentiment":"neutral","sentiment_score":0.06742125221838553,"num_words":24,"start":29.16,"end":60.7},{"sentences":[{"text":"Okay.","start":63.08,"end":63.4,"sentiment":"neutral","sentiment_score":0.030185695737600327},{"text":"Yep.","start":63.4,"end":63.72,"sentiment":"neutral","sentiment_score":0.022946245968341827},{"text":"Yep.","start":63.72,"end":64.22,"sentiment":"neutral","sentiment_score":0.030886974185705185},{"text":"Yep.","start":64.36,"end":64.86,"sentiment":"neutral","sentiment_score":0.029838217422366142},{"text":"Yeah.","start":65.16,"end":65.4,"sentiment":"neutral","sentiment_score":0.05906292423605919}],"sentiment":"neutral","sentiment_score":0.034584011510014535,"num_words":5,"start":63.08,"end":65.4},{"sentences":[{"text":"That's the right one.","start":65.4,"end":66.46,"sentiment":"neutral","sentiment_score":0.10117620602250099},{"text":"Yeah.","start":72.125,"end":72.625,"sentiment":"neutral","sentiment_score":0.0409931056201458},{"text":"A little bit, but that's okay.","start":72.765,"end":74.305,"sentiment":"neutral","sentiment_score":0.017572630817691486},{"text":"Yeah.","start":92.39,"end":92.630005,"sentiment":"neutral","sentiment_score":-0.006602847948670387},{"text":"Just a bit of a catch 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it.","start":143.44,"end":146.26,"sentiment":"neutral","sentiment_score":-0.01919106523004862},{"text":"Yeah.","start":150.08,"end":150.58,"sentiment":"neutral","sentiment_score":-0.006384725216776133},{"text":"So 0400, 557 623.","start":152.48,"end":160.635,"sentiment":"neutral","sentiment_score":0.007607163512147963},{"text":"Yep.","start":172.64,"end":173.14,"sentiment":"neutral","sentiment_score":-0.01778329908847809},{"text":"No.","start":175.6,"end":176.1,"sentiment":"neutral","sentiment_score":-0.07518638670444489}],"sentiment":"neutral","sentiment_score":-0.015920480247586966,"num_words":20,"start":143.44,"end":176.1},{"sentences":[{"text":"Still on still on leave.","start":176.56,"end":177.6,"sentiment":"neutral","sentiment_score":-0.06115766391158104},{"text":"I've had another another baby.","start":177.6,"end":178.98001,"sentiment":"neutral","sentiment_score":0.005004532635211944},{"text":"Thank you.","start":181.12001,"end":181.86,"sentiment":"neutral","sentiment_score":0.19563506543636322},{"text":"He's just over three months now.","start":182.905,"end":184.44499,"sentiment":"neutral","sentiment_score":0.011991958871173361},{"text":"A little boy.","start":186.745,"end":187.56499,"sentiment":"neutral","sentiment_score":0.0637543722987175}],"sentiment":"neutral","sentiment_score":0.01779615926733684,"num_words":21,"start":176.56,"end":187.56499},{"sentences":[{"text":"Yeah.","start":189.625,"end":189.94499,"sentiment":"neutral","sentiment_score":0.26906248927116394},{"text":"Thank you.","start":189.94499,"end":190.685,"sentiment":"positive","sentiment_score":0.5293700993061066},{"text":"Yes.","start":193.78499,"end":194.185,"sentiment":"neutral","sentiment_score":0.07044351100921631},{"text":"It's yeah.","start":194.185,"end":194.665,"sentiment":"neutral","sentiment_score":0.006875567603856325},{"text":"It's 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bad.","start":207.3,"end":208.44,"sentiment":"neutral","sentiment_score":0.15143266879022121},{"text":"Yeah.","start":211.325,"end":211.825,"sentiment":"neutral","sentiment_score":0.022585799917578697}],"sentiment":"neutral","sentiment_score":0.21322402401039234,"num_words":13,"start":196.025,"end":211.825},{"sentences":[{"text":"Yeah.","start":215.725,"end":216.225,"sentiment":"neutral","sentiment_score":0.036438845098018646},{"text":"Yep.","start":216.285,"end":216.785,"sentiment":"neutral","sentiment_score":0.10770201683044434},{"text":"Yeah.","start":217.80501,"end":218.30501,"sentiment":"neutral","sentiment_score":-0.01900184527039528},{"text":"Probably off for a while, I think, at this stage.","start":226.73,"end":229.39,"sentiment":"neutral","sentiment_score":-0.12253429442644119},{"text":"Yeah.","start":244.825,"end":245.325,"sentiment":"neutral","sentiment_score":-0.06336654722690582}],"sentiment":"neutral","sentiment_score":-0.08311217677380357,"num_words":14,"start":215.725,"end":245.325},{"sentences":[{"text":"Not right now, but we were sort of thinking about it for tax reasons.","start":245.385,"end":248.745,"sentiment":"neutral","sentiment_score":-0.17495841053979738},{"text":"But I think with all the changes, we're just seeing where all that like yep.","start":248.745,"end":253.245,"sentiment":"neutral","sentiment_score":-0.0428892341752847},{"text":"Okay.","start":267.83002,"end":268.33002,"sentiment":"neutral","sentiment_score":-0.0020802291110157967},{"text":"Which property was that?","start":271.125,"end":272.245,"sentiment":"neutral","sentiment_score":-0.017368657514452934},{"text":"Was that the the current home?","start":272.245,"end":274.085,"sentiment":"neutral","sentiment_score":-0.012990288436412811}],"sentiment":"neutral","sentiment_score":-0.08105632124934345,"num_words":40,"start":245.385,"end":274.085},{"sentences":[{"text":"Or yeah.","start":274.085,"end":276.345,"sentiment":"neutral","sentiment_score":0.0000833761878311634},{"text":"I would like to think it's increasing value, but I'm not sure how much exactly.","start":277.20502,"end":281.845,"sentiment":"neutral","sentiment_score":-0.05043252979715665},{"text":"It's a bit of a tricky one because it's, yeah, rural.","start":281.845,"end":285.19998,"sentiment":"neutral","sentiment_score":-0.23362556370821866},{"text":"So I don't know what it's actually worth.","start":285.19998,"end":288.1,"sentiment":"neutral","sentiment_score":-0.17323760874569416},{"text":"Maybe go 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one?","start":308.125,"end":308.685,"sentiment":"neutral","sentiment_score":-0.0031138574704527855},{"text":"Sorry.","start":308.685,"end":309.185,"sentiment":"neutral","sentiment_score":-0.01613650657236576}],"sentiment":"neutral","sentiment_score":0.050719007953173585,"num_words":9,"start":302.36502,"end":309.185},{"sentences":[{"text":"Yes.","start":311.29,"end":311.53,"sentiment":"neutral","sentiment_score":0.02575124613940716},{"text":"Yeah.","start":311.53,"end":311.61002,"sentiment":"neutral","sentiment_score":0.039656251668930054},{"text":"We've got we actually have two now.","start":311.61002,"end":313.47,"sentiment":"neutral","sentiment_score":0.05132288219673293},{"text":"Yes.","start":315.13,"end":315.63,"sentiment":"neutral","sentiment_score":0.126099094748497},{"text":"So there's one in Busselton, which I think 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now.","start":528.695,"end":529.88995,"sentiment":"neutral","sentiment_score":-0.14238917231559753},{"text":"Yeah.","start":529.88995,"end":530.38995,"sentiment":"neutral","sentiment_score":-0.013654666021466255}],"sentiment":"neutral","sentiment_score":0.051942589692771435,"num_words":10,"start":509.74,"end":530.38995},{"sentences":[{"text":"Yep.","start":540.52997,"end":541.02997,"sentiment":"neutral","sentiment_score":0.05946802347898483},{"text":"Yeah.","start":542.805,"end":543.205,"sentiment":"neutral","sentiment_score":0.04489403963088989},{"text":"Yep.","start":543.205,"end":543.525,"sentiment":"neutral","sentiment_score":0.0388411357998848},{"text":"Or now.","start":543.525,"end":544.085,"sentiment":"neutral","sentiment_score":0.032217170111835},{"text":"That's 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know exactly where that'll be, but, yeah, we'll just keep it at that.","start":577.885,"end":581.82,"sentiment":"neutral","sentiment_score":-0.010719565467702018},{"text":"Yep.","start":597.10004,"end":597.60004,"sentiment":"neutral","sentiment_score":-0.03172196447849274},{"text":"Yep.","start":612.815,"end":613.315,"sentiment":"neutral","sentiment_score":0.005628357641398907},{"text":"Yep.","start":617.47,"end":617.97,"sentiment":"neutral","sentiment_score":0.027723297476768497},{"text":"Yeah.","start":618.35,"end":618.58997,"sentiment":"neutral","sentiment_score":0.007224243134260178}],"sentiment":"neutral","sentiment_score":-0.008368102029304613,"num_words":22,"start":577.885,"end":618.58997},{"sentences":[{"text":"No.","start":618.58997,"end":618.82996,"sentiment":"neutral","sentiment_score":-0.10266856849193572},{"text":"That's all good.","start":618.82996,"end":619.64996,"sentiment":"neutral","sentiment_score":0.13365089893341064},{"text":"No.","start":625.885,"end":626.385,"sentiment":"neutral","sentiment_score":-0.07693681120872498},{"text":"Yeah.","start":647.58,"end":647.82,"sentiment":"neutral","sentiment_score":-0.03729165345430374},{"text":"The small amount of risk.","start":647.82,"end":648.66003,"sentiment":"neutral","sentiment_score":-0.06004428341984749}],"sentiment":"neutral","sentiment_score":-0.010560523041269997,"num_words":11,"start":618.58997,"end":648.66003},{"sentences":[{"text":"I think that's what I've still I had before, wasn't it?","start":648.66003,"end":651.075,"sentiment":"neutral","sentiment_score":-0.05235533202490346},{"text":"The low risk.","start":651.235,"end":652.295,"sentiment":"neutral","sentiment_score":0.0277799554169178},{"text":"Yep.","start":655.635,"end":656.135,"sentiment":"neutral","sentiment_score":0.0055275531485676765},{"text":"Okay.","start":669.10004,"end":669.60004,"sentiment":"neutral","sentiment_score":-0.022062428295612335},{"text":"Probably a bit more neutral.","start":687.59503,"end":688.895,"sentiment":"neutral","sentiment_score":0.02699676752090454}],"sentiment":"neutral","sentiment_score":-0.017815229693605078,"num_words":21,"start":648.66003,"end":688.895},{"sentences":[{"text":"I'm probably a bit more cautious.","start":718.355,"end":719.65497,"sentiment":"neutral","sentiment_score":-0.18834645797808966},{"text":"Yeah.","start":738.535,"end":739.035,"sentiment":"neutral","sentiment_score":0.18544882535934448},{"text":"Oh, cool.","start":751.79004,"end":752.37006,"sentiment":"positive","sentiment_score":0.4268094301223755},{"text":"Yep.","start":763.125,"end":763.625,"sentiment":"neutral","sentiment_score":0.28762638568878174},{"text":"Yep.","start":798.195,"end":798.695,"sentiment":"neutral","sentiment_score":0.09076887369155884}],"sentiment":"neutral","sentiment_score":0.026125836101445286,"num_words":11,"start":718.355,"end":798.695},{"sentences":[{"text":"Yeah.","start":802.915,"end":803.235,"sentiment":"neutral","sentiment_score":0.10383838415145874},{"text":"Yep.","start":803.235,"end":803.475,"sentiment":"neutral","sentiment_score":0.11664970964193344},{"text":"I think so.","start":803.475,"end":804.375,"sentiment":"neutral","sentiment_score":0.1574470450480779},{"text":"I 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minute.","start":849.415,"end":850.15497,"sentiment":"neutral","sentiment_score":-0.07557707279920578}],"sentiment":"neutral","sentiment_score":-0.07532072998583317,"num_words":7,"start":830.075,"end":850.15497},{"sentences":[{"text":"Yep.","start":855.495,"end":855.815,"sentiment":"neutral","sentiment_score":0.013968332670629025},{"text":"Yep.","start":855.815,"end":856.055,"sentiment":"neutral","sentiment_score":0.008927110582590103},{"text":"What's up?","start":856.055,"end":856.375,"sentiment":"neutral","sentiment_score":-0.022806859575212002},{"text":"I've received that.","start":856.375,"end":857.31,"sentiment":"neutral","sentiment_score":-0.06722313910722733},{"text":"Sorry.","start":857.55,"end":857.79,"sentiment":"neutral","sentiment_score":-0.12811324000358582}],"sentiment":"neutral","sentiment_score":-0.04406261665280908,"num_words":8,"start":855.495,"end":857.79},{"sentences":[{"text":"Did you need me to go through that one now, or can I do it a bit later?","start":857.79,"end":860.93,"sentiment":"neutral","sentiment_score":0.010227335203025077},{"text":"Cool.","start":864.43,"end":864.93,"sentiment":"positive","sentiment_score":0.711544394493103},{"text":"Yeah.","start":880.355,"end":880.595,"sentiment":"positive","sentiment_score":0.3645671308040619},{"text":"Thank you.","start":880.595,"end":880.915,"sentiment":"positive","sentiment_score":0.5810805857181549},{"text":"That'll be that'll be better.","start":880.915,"end":882.295,"sentiment":"neutral","sentiment_score":0.3140364229679108}],"sentiment":"neutral","sentiment_score":0.14787210537879555,"num_words":27,"start":857.79,"end":882.295},{"sentences":[{"text":"Yep.","start":897.635,"end":898.135,"sentiment":"neutral","sentiment_score":0.1380528062582016},{"text":"Oh, cool.","start":908.03503,"end":908.515,"sentiment":"neutral","sentiment_score":0.15173393860459328},{"text":"How much was it from this time last year?","start":908.515,"end":911.43005,"sentiment":"neutral","sentiment_score":0.041284765013390116},{"text":"Are you able to see that?","start":911.43005,"end":912.63,"sentiment":"neutral","sentiment_score":-0.0006134260135392348},{"text":"Or yep.","start":912.63,"end":920.73004,"sentiment":"neutral","sentiment_score":0.0175279276445508}],"sentiment":"neutral","sentiment_score":0.04222294338978827,"num_words":20,"start":897.635,"end":920.73004},{"sentences":[{"text":"Yep.","start":935.135,"end":935.635,"sentiment":"neutral","sentiment_score":0.02871698886156082},{"text":"Okay.","start":943.27,"end":943.75,"sentiment":"neutral","sentiment_score":0.0140551645308733},{"text":"Oh, that's that's okay.","start":943.75,"end":944.71,"sentiment":"neutral","sentiment_score":0.0862472765147686},{"text":"If it was around about this time, that's that's fine.","start":944.71,"end":946.55005,"sentiment":"neutral","sentiment_score":0.057340207323431966},{"text":"Yeah.","start":946.55005,"end":946.87,"sentiment":"neutral","sentiment_score":0.06408049911260605}],"sentiment":"neutral","sentiment_score":0.06030846069402555,"num_words":17,"start":935.135,"end":946.87},{"sentences":[{"text":"So, yeah, definitely gone up more than I thought, actually.","start":946.87,"end":949.29004,"sentiment":"neutral","sentiment_score":0.06802190318703652},{"text":"Yep.","start":968.06,"end":968.56,"sentiment":"neutral","sentiment_score":-0.037568338215351105},{"text":"Yep.","start":977.74005,"end":978.24005,"sentiment":"neutral","sentiment_score":-0.042445432394742966},{"text":"Yeah.","start":985.29504,"end":985.79504,"sentiment":"neutral","sentiment_score":0.021905170753598213},{"text":"Yes.","start":995.47,"end":995.97,"sentiment":"positive","sentiment_score":0.5244854092597961}],"sentiment":"neutral","sentiment_score":0.08189970294811896,"num_words":14,"start":946.87,"end":995.97},{"sentences":[{"text":"Okay.","start":1041.255,"end":1041.755,"sentiment":"neutral","sentiment_score":-0.004987512249499559},{"text":"No.","start":1043.335,"end":1043.6549,"sentiment":"neutral","sentiment_score":-0.10556277632713318},{"text":"I didn't.","start":1043.6549,"end":1044.315,"sentiment":"neutral","sentiment_score":-0.09665482863783836},{"text":"Sorry.","start":1045.335,"end":1045.815,"sentiment":"neutral","sentiment_score":-0.0670614019036293},{"text":"Anyway, I just had my baby on the March 19, so I was like I probably if I did see it.","start":1045.815,"end":1050.315,"sentiment":"neutral","sentiment_score":-0.030207406108578045}],"sentiment":"neutral","sentiment_score":-0.038664495232156836,"num_words":26,"start":1041.255,"end":1050.315},{"sentences":[{"text":"Yes.","start":1059.93,"end":1060.43,"sentiment":"neutral","sentiment_score":0.13968336582183838},{"text":"Okay.","start":1063.13,"end":1063.63,"sentiment":"neutral","sentiment_score":0.06124472618103027},{"text":"Yes.","start":1069.9249,"end":1070.4249,"sentiment":"neutral","sentiment_score":0.06924038380384445},{"text":"Okay.","start":1096.365,"end":1096.865,"sentiment":"neutral","sentiment_score":0.010624571703374386},{"text":"Okay.","start":1109.24,"end":1109.6399,"sentiment":"positive","sentiment_score":0.385845810174942}],"sentiment":"neutral","sentiment_score":0.1333277715370059,"num_words":5,"start":1059.93,"end":1109.6399},{"sentences":[{"text":"Cool.","start":1109.6399,"end":1109.96,"sentiment":"positive","sentiment_score":0.5624648332595825},{"text":"Yep.","start":1109.96,"end":1110.46,"sentiment":"neutral","sentiment_score":0.28753581643104553},{"text":"Yep.","start":1118.44,"end":1118.94,"sentiment":"neutral","sentiment_score":0.07744543254375458},{"text":"Yep.","start":1119.5599,"end":1120.0599,"sentiment":"neutral","sentiment_score":0.04410230368375778},{"text":"No.","start":1120.12,"end":1120.36,"sentiment":"neutral","sentiment_score":-0.05894525721669197}],"sentiment":"neutral","sentiment_score":0.18252062574028968,"num_words":5,"start":1109.6399,"end":1120.36},{"sentences":[{"text":"That that's all good.","start":1120.36,"end":1121.4199,"sentiment":"neutral","sentiment_score":-0.0675512682646513},{"text":"Yeah.","start":1130.905,"end":1131.3049,"sentiment":"neutral","sentiment_score":0.02490650676190853},{"text":"Yeah.","start":1131.3049,"end":1131.465,"sentiment":"neutral","sentiment_score":0.02865941822528839},{"text":"Yeah.","start":1131.465,"end":1131.625,"sentiment":"neutral","sentiment_score":0.02795414626598358},{"text":"We're just driving at the 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should be fine.","start":1167.9901,"end":1169.13,"sentiment":"neutral","sentiment_score":0.2777540013194084},{"text":"Yep.","start":1198.6201,"end":1199.1201,"sentiment":"neutral","sentiment_score":0.17177723348140717},{"text":"Yeah.","start":1210.765,"end":1211.265,"sentiment":"neutral","sentiment_score":0.19488024711608887},{"text":"Okay.","start":1215.3251,"end":1215.8251,"sentiment":"neutral","sentiment_score":0.13719487190246582}],"sentiment":"neutral","sentiment_score":0.22482491098344326,"num_words":8,"start":1167.75,"end":1215.8251},{"sentences":[{"text":"Yep.","start":1232.62,"end":1233.12,"sentiment":"neutral","sentiment_score":0.07828062772750854},{"text":"So that's all on the same AML.","start":1233.1799,"end":1234.5399,"sentiment":"neutral","sentiment_score":0.07786189924393382},{"text":"Is it that I need to find?","start":1234.5399,"end":1236.0,"sentiment":"neutral","sentiment_score":0.03484159708023071},{"text":"Yeah.","start":1236.175,"end":1236.495,"sentiment":"neutral","sentiment_score":0.08859717100858688},{"text":"Oh, that's easy.","start":1236.495,"end":1244.845,"sentiment":"neutral","sentiment_score":0.26652923226356506}],"sentiment":"neutral","sentiment_score":0.0923889457787338,"num_words":19,"start":1232.62,"end":1244.845},{"sentences":[{"text":"Yep.","start":1264.195,"end":1264.695,"sentiment":"neutral","sentiment_score":0.1562342643737793},{"text":"Yep.","start":1274.195,"end":1274.695,"sentiment":"neutral","sentiment_score":0.14777249097824097},{"text":"Okay.","start":1280.8401,"end":1281.16,"sentiment":"neutral","sentiment_score":0.13952316343784332},{"text":"No worries.","start":1281.16,"end":1281.64,"sentiment":"neutral","sentiment_score":0.19952567666769028},{"text":"Sounds good.","start":1281.64,"end":1282.4601,"sentiment":"positive","sentiment_score":0.37994973361492157}],"sentiment":"neutral","sentiment_score":0.22892581990786962,"num_words":7,"start":1264.195,"end":1282.4601},{"sentences":[{"text":"Yeah.","start":1302.975,"end":1303.215,"sentiment":"neutral","sentiment_score":0.1178090274333954},{"text":"No.","start":1303.215,"end":1303.375,"sentiment":"neutral","sentiment_score":0.20620417594909668},{"text":"That sounds good.","start":1303.375,"end":1304.015,"sentiment":"positive","sentiment_score":0.46181635061899823},{"text":"Thank 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you.","start":1316.6799,"end":1317.5,"sentiment":"positive","sentiment_score":0.38175641000270844},{"text":"Yep.","start":1318.2609,"end":1318.3408,"sentiment":"neutral","sentiment_score":0.27710244059562683}],"sentiment":"neutral","sentiment_score":0.043631174178286034,"num_words":11,"start":1309.96,"end":1318.3408},{"sentences":[{"text":"And thank you.","start":1318.3408,"end":1318.9808,"sentiment":"positive","sentiment_score":0.6164169510205587},{"text":"Good luck with your baby too.","start":1318.9808,"end":1320.4408,"sentiment":"positive","sentiment_score":0.6983143389225006},{"text":"It'll be yeah.","start":1321.6208,"end":1322.6808,"sentiment":"positive","sentiment_score":0.560114860534668},{"text":"No worries.","start":1323.4608,"end":1324.0209,"sentiment":"neutral","sentiment_score":0.2878684550523758},{"text":"Thank you.","start":1324.0209,"end":1324.5009,"sentiment":"positive","sentiment_score":0.5840539932250977}],"sentiment":"positive","sentiment_score":0.5914578977972269,"num_words":16,"start":1318.3408,"end":1324.5009},{"sentences":[{"text":"Bye.","start":1324.5009,"end":1325.0009,"sentiment":"neutral","sentiment_score":0.31061995029449463}],"sentiment":"neutral","sentiment_score":0.31061995029449463,"num_words":1,"start":1324.5009,"end":1325.0009}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Justine. Hello? Can you hear me?\n\nChannel 1: Hello?\n\nChannel 0: Hello? Can you hear me?\n\nChannel 1: Hi. Yep. Yep.\n\nChannel 0: Oh, so sorry. This is Veronica from Oakview Financial. Am I speaking with Justine?\n\nChannel 1: Yeah. That's me.\n\nChannel 0: Yeah. Perfect. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. No. That's all good.\n\nChannel 0: 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 with you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could\n\nChannel 1: Yep.\n\nChannel 0: I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Justine Monetan, 05/23/1988, and address, I think it's Lot 630 Joel Street Wagen or 15 Joel Street Wagen.\n\nChannel 0: I have Lot 63\n\nChannel 1: Okay. Yep.\n\nChannel 0: 0.\n\nChannel 1: Yep.\n\nChannel 0: Is that the\n\nChannel 1: Yep.\n\nChannel 0: right one?\n\nChannel 1: Yeah. That's the right one.\n\nChannel 0: Yep. Okay. Beautiful. And how's your morning been so far? Been been busy?\n\nChannel 1: Yeah. A little bit, but that's okay.\n\nChannel 0: Alright. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific you would like to go over today in a bit more detail, so any particular questions that you have or whether it's just just a bit of a catch up and see where everything's at?\n\nChannel 1: Yeah. Just a bit of a catch up.\n\nChannel 0: Yep. Perfect. So what I will do first is just to go through just a bit of an updated fact time just to see if there is anything major that has changed in your life, if you need to make any changes to your advice. So just kind of bear with me as I go through this information.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now when it comes to your personal information, I have you down here as married with financial dependence. Is that correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And I do have here next up Ken William nominated.\n\nChannel 1: Yep. That's still right.\n\nChannel 0: Yep. Yep. Perfect. Now I don't actually have a last name for William. Is that the same as yourself?\n\nChannel 1: Yeah. Yep. Can.\n\nChannel 0: Yes. Perfect. And just the best contact number as well, please.\n\nChannel 1: Hang on. That's a good question. You think I'd know it by now, but I keep on forgetting it.\n\nChannel 0: Oh, it's one of those things you never had you you just don't have to remember it anymore. You don't have\n\nChannel 1: Yeah.\n\nChannel 0: to dial it.\n\nChannel 1: So 0400,\n\nChannel 0: Yep.\n\nChannel 1: 557\n\nChannel 0: Five seven. Yep.\n\nChannel 1: 623.\n\nChannel 0: 23. Perfect. Thank you so much. Now when it comes to occupation, I believe last time we spoke to you, you were on leave at the moment. Are you\n\nChannel 1: Yep.\n\nChannel 0: back at work, still on leave,\n\nChannel 1: No.\n\nChannel 0: or what's\n\nChannel 1: Still on still on leave. I've had another\n\nChannel 0: yeah.\n\nChannel 1: another baby.\n\nChannel 0: Congratulations.\n\nChannel 1: Thank\n\nChannel 0: How\n\nChannel 1: you.\n\nChannel 0: old?\n\nChannel 1: He's just over three months now.\n\nChannel 0: Oh, no. Boy or girl?\n\nChannel 1: A little boy.\n\nChannel 0: Oh, well, congratulations.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: Very exciting. And how's it all going?\n\nChannel 1: Yes. It's yeah. It's busy.\n\nChannel 0: Yeah.\n\nChannel 1: But, no, it's good. It's good. Oh,\n\nChannel 0: Yeah. Oh, beautiful. I'm actually expecting my first one in three months. Sorry. I'll\n\nChannel 1: congratulations.\n\nChannel 0: be right with you soon. Thank you.\n\nChannel 1: It's not all bad.\n\nChannel 0: No. I hear beautiful things.\n\nChannel 1: Yeah.\n\nChannel 0: Obviously, a bit of a change through sleeping and everything else, but\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Yep.\n\nChannel 0: beautiful time. So, yeah, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: on I'm a try to leave at the moment. Are you planning on going back after a certain period of time or just kind of seeing what happens?\n\nChannel 1: Probably off for a while, I think, at this stage.\n\nChannel 0: Yep. Yep. Nice. Now, obviously, because you're not working, no contributions through Super, have you claimed on making any contributions yourself or not really right now, obviously, with not working in income?\n\nChannel 1: Yeah. Not right now, but we were\n\nChannel 0: Nope.\n\nChannel 1: sort of thinking about it for tax reasons. But I think with all the changes, we're just seeing\n\nChannel 0: Yep.\n\nChannel 1: where all\n\nChannel 0: What\n\nChannel 1: that\n\nChannel 0: happened?\n\nChannel 1: like yep.\n\nChannel 0: Yeah. No. It makes sense. No worries. Now asset wise, I have here that you own a property.\n\nIt was last died at about 420,000. Is that\n\nChannel 1: Okay.\n\nChannel 0: still the case, or do you know if that's gone up a little bit?\n\nChannel 1: Which property was that? Was that the the current\n\nChannel 0: That's\n\nChannel 1: home? Or\n\nChannel 0: yes. The one that you\n\nChannel 1: yeah.\n\nChannel 0: guys live in.\n\nChannel 1: I would like to think it's increasing value, but I'm not sure how\n\nChannel 0: Mhmm.\n\nChannel 1: much exactly. It's a bit of a tricky one because it's, yeah, rural.\n\nChannel 0: Okay.\n\nChannel 1: So I don't know what it's actually worth.\n\nChannel 0: No. That's totally fair. Are you happy for me to leave it at 04:20, or do you think\n\nChannel 1: Maybe go 05:50.\n\nChannel 0: 05:50? Okay. Perfect. Mortgage about 03:10.\n\nChannel 1: Yep. Yep. I think so.\n\nChannel 0: Yep. And then also investment property, you still have that one?\n\nChannel 1: The what one? Sorry.\n\nChannel 0: An investment property?\n\nChannel 1: Yes. Yeah. We've got we actually\n\nChannel 0: Yes.\n\nChannel 1: have two now.\n\nChannel 0: Oh, nice.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: So there's one\n\nChannel 0: mhmm.\n\nChannel 1: in Busselton, which I think yeah. We've had that for a while, so you guys probably have that on your books.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: I think oh, again, I'm not sure exactly how much, but I I would say safely, it'd be worth 1.2, hopefully more.\n\nChannel 0: Oh, perfect. $1.1.0.2. Yep. Perfect. And mortgage on that one.\n\nDo you know?\n\nChannel 1: No. Sorry.\n\nChannel 0: Roughly.\n\nChannel 1: 3. We got I think it was $3.80, so it'll be yeah. We'll just keep it at that, I guess.\n\nChannel 0: No. Yep. Perfect. No. That's what I have here.\n\nAnd then the new investment property, where is that\n\nChannel 1: Yep.\n\nChannel 0: one?\n\nChannel 1: So that is in Leda, L E D A, in Perth.\n\nChannel 0: Perfect. Yep. And how much is that one worth? Do you know?\n\nChannel 1: I showed no experience for it. I I would say $7.07 90.\n\nChannel 0: About $7.90. Perfect. And we'll get on that one?\n\nChannel 1: $7.50?\n\nChannel 0: Yep. Perfect. Any other new assets aside from the investment property? Any, like, motor vehicles or boats or bike motorbikes?\n\nChannel 1: I have a different car, but\n\nChannel 0: Mhmm.\n\nChannel 1: yep. So that's a Toyota Kluger.\n\nChannel 0: Yep. And how much would that one be valued at, do you think?\n\nChannel 1: We bought it for I think it was 70, but I'm not sure about car values. I wouldn't I would assume it's\n\nChannel 0: Yeah.\n\nChannel 1: worth less than\n\nChannel 0: It's like that I kind of depreciate a little\n\nChannel 1: that\n\nChannel 0: bit, but\n\nChannel 1: now. Yeah.\n\nChannel 0: that's all good. I'll leave it. And did you get a car loan or\n\nChannel 1: Yeah.\n\nChannel 0: pay it outright?\n\nChannel 1: Yeah. No\n\nChannel 0: Yep.\n\nChannel 1: car loan.\n\nChannel 0: And about 70 as well, or do you know how much?\n\nChannel 1: Oh, I think 50.\n\nChannel 0: About 50. Okay. Perfect. Anything else?\n\nChannel 1: No. I think that's all really.\n\nChannel 0: No. That's all good. Perfect. And health and lifestyle, obviously, aside from postpartum recovery and everything,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: Apart\n\nChannel 0: have\n\nChannel 1: from\n\nChannel 0: you\n\nChannel 1: that, it's all yep. All\n\nChannel 0: Yeah.\n\nChannel 1: all fine.\n\nChannel 0: All good. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Estate planning wise, I have here that you guys have a will in place?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Perfect. And is that pretty up to date?\n\nChannel 1: Oh, it hasn't been updated since we had our first, which\n\nChannel 0: Mhmm.\n\nChannel 1: but it's pretty much all all go to the same kind of thing.\n\nChannel 0: Yep. And I do have here for your beneficiaries. So in the event that something would've happened to you, I have your legal personal representative nominated so that it will revert to the will. Is that correct?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yes. Perfect. Otherwise, do you have a power of attorney in place or anyone who makes any financial decisions on your behalf?\n\nChannel 1: No. No. Well, my husband\n\nChannel 0: No.\n\nChannel 1: makes more\n\nChannel 0: Yeah.\n\nChannel 1: of the decisions, but that's\n\nChannel 0: Otherwise, no. Yeah. No.\n\nChannel 1: yeah.\n\nChannel 0: All good. And I guess kind of the other thing that's good to touch base on during annual review's goals to see kind of what's happened, what you are working towards, how do you you how did you go with the last goals you set, which\n\nChannel 1: Yep.\n\nChannel 0: for you, I have here that was to buy another investment property, which you guys obviously did. So that is\n\nChannel 1: Oh, cool.\n\nChannel 0: great. And is there anything else, obviously, that you are working towards financially or nonfinancially at all in the near future?\n\nChannel 1: No. Not not so\n\nChannel 0: No.\n\nChannel 1: much now. Yeah.\n\nChannel 0: Yeah. No. That's all good. And when it comes to superannuation, I have here that, ideally, you would like to retire at 60.\n\nChannel 1: Yep.\n\nChannel 0: Is that still the case?\n\nChannel 1: Yeah. Yep. Or now. That's\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Yeah. We try it now, but the LSU controls come from super 60. So I'll leave it\n\nChannel 1: Yep.\n\nChannel 0: at that, but\n\nChannel 1: Yeah.\n\nChannel 0: you know?\n\nChannel 1: No.\n\nChannel 0: And I have here that when you do decide or when you can access super, a weekly income of about $1,000 from super was your was your goal at the time when you came on board. Is that still achievable, do you think, or do you think you'd need more, or you think just for you that will be sufficient to cover,\n\nChannel 1: I'd\n\nChannel 0: know,\n\nChannel 1: like\n\nChannel 0: bills\n\nChannel 1: to think,\n\nChannel 0: and\n\nChannel 1: yeah, I'd like to think\n\nChannel 0: Mhmm.\n\nChannel 1: that'd be the same. That depends on the inflation, I guess. It's hard\n\nChannel 0: Yes.\n\nChannel 1: to kind of know exactly where that'll be, but, yeah, we'll\n\nChannel 0: Yeah.\n\nChannel 1: just keep it at that.\n\nChannel 0: Yeah. Perfect. And when it comes through how your money is invested in super, now I'll just go through a bit of a risk profile questionnaire with you there, Justine. It it's just multiple choice to make it nice and easy. There's\n\nChannel 1: Yep.\n\nChannel 0: no right or wrong answer, and it's just to kind of gauge how you feel about certain situations. Sometimes I know it's a bit hypothetical, and it can be a bit tricky. But just trying to trying to gauge of what you feel would be the most aligned with you, and that\n\nChannel 1: Yep.\n\nChannel 0: is just to make sure we have you in the right level of risk that you are comfortable with. Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. No. That's all good.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares yourself from superannuation?\n\nChannel 1: No.\n\nChannel 0: Nope. Perfect. And, yeah, we've already touched on time frames. And when it comes to how much risk you are willing to take for superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Yeah. The small amount of risk. I think that's what I've still I had before, wasn't it?\n\nChannel 0: Correct.\n\nChannel 1: The low\n\nChannel 0: Yes.\n\nChannel 1: risk.\n\nChannel 0: It was. Yep. And fluctuations\n\nChannel 1: Yep.\n\nChannel 0: of volatility wise, if you did notice a fluctuation after placing an investment after six months, it fluctuated by 20%, so went down by 20%\n\nChannel 1: Okay.\n\nChannel 0: due to gen general trends in the market. Would you say that you would wanna invest more while the prices are down? Kind of neutral hold and wait to see what happens, or would you want to shift to something more secure? So that means you are then selling when the prices have dropped.\n\nChannel 1: Probably a bit more neutral.\n\nChannel 0: Bit more neutral. Yep. Perfect. And when it comes to fluctuations in any asset, so superannuation, for example, or any other personal asset, if, again, you saw a drop in value, would you feel optimistic about future investment opportunities? Again, kind of a little bit cautious, not making further investment, or would you say that you'd be concerned or highly anxious?\n\nChannel 1: I'm probably a bit more cautious.\n\nChannel 0: A bit more cautious. Yep. And the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No.\n\nNo. No. Good. So just kind of for investment property in terms of borrowing money, that's where you would be\n\nChannel 1: Yeah.\n\nChannel 0: comfortable. Yeah. Perfect. Now it tells me here that you have come out just kind of a borderline between a balanced and growth, which fits pretty perfectly because we do have you in a balanced growth portfolio.\n\nChannel 1: Oh, cool.\n\nChannel 0: So it is someone that is looking at getting, you know, some growth out of your superannuation, but you also want a bit more of that conservative element to your portfolio\n\nChannel 1: Yep.\n\nChannel 0: as well in order to kinda limit fluctuations from the market. Now, typically, when we are looking at a asset allocation, so how your money is distributed and invested. We see about 70% in your growth assets. So that will be things like Australian shares, international shares, and property and commodities, and that is what's going to grow your super. Then we still had about 30% in your defensive, like your cash, your gold, your fixed interest to kinda focus on limit those fluctuations from the market.\n\nAre\n\nChannel 1: Yep.\n\nChannel 0: you still happy with that same kind of level of risk and where everything's at?\n\nChannel 1: Yeah. Yep. I think so.\n\nChannel 0: Yeah. Yeah. Perfect. Now do you have access to your emails at the moment?\n\nChannel 1: I do. Yep.\n\nChannel 0: Okay. Perfect. Because if you if you do, it just makes it a bit easier for yourself if you can. Even if it's just on the phone, if you have to put me on speaker, that's okay. I have sent you an email with a couple of documents to just kind of run through with you.\n\nNow\n\nChannel 1: Okay.\n\nChannel 0: we have just changed the software, so it might look a little bit different to what you were used to. It is the same kind of concept, though, where you get an email, and it should say request signature or something like that, but\n\nChannel 1: Okay.\n\nChannel 0: it could also end up in spam. Did you receive that one, like, ten minutes ago maybe?\n\nChannel 1: Yep. Sorry. Just one minute.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: Yep. Yep. What's up? I've received that. Sorry.\n\nDid you need\n\nChannel 0: Okay.\n\nChannel 1: me to go through that one now, or can I do it a bit later?\n\nChannel 0: You can do it later if you would like. It's it's okay.\n\nChannel 1: Cool.\n\nChannel 0: I do sometimes ask if you can get it up while I'm talking about it because sometimes makes it a bit easier. But if it is easier for you, I'm more than happy to just kind of run through the main points. And then when you have a little bit of time, you can go through it. And if you have any questions, you can always let me know.\n\nChannel 1: Yeah. Thank you. That'll be that'll\n\nChannel 0: Yeah.\n\nChannel 1: be better.\n\nChannel 0: No. No. That's all good. Now, essentially, when you do click on the link, you will see a couple of documents. Now the first one you will see is just a breakdown of your super and your insurances.\n\nChannel 1: Yep.\n\nChannel 0: Now you will see here that you have your super with Netwealth, and you do have about 76,000 or $102 in there.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: cool.\n\nChannel 0: you\n\nChannel 1: How\n\nChannel 0: also\n\nChannel 1: much was\n\nChannel 0: yeah.\n\nChannel 1: it from this time last year? Are you\n\nChannel 0: Last\n\nChannel 1: able\n\nChannel 0: time?\n\nChannel 1: to see that? Or\n\nChannel 0: Yeah. Sure. Just give me one second, and I will get it up for you.\n\nChannel 1: yep.\n\nChannel 0: Now last time we spoke to you was a little bit more than twelve months ago.\n\nChannel 1: Yep.\n\nChannel 0: It was at 57,010. But let me see if I can get exactly twelve months\n\nChannel 1: Okay.\n\nChannel 0: ago\n\nChannel 1: Oh, that's that's\n\nChannel 0: so\n\nChannel 1: okay.\n\nChannel 0: you can\n\nChannel 1: If it was around about this\n\nChannel 0: okay.\n\nChannel 1: time, that's that's fine. Yeah. So, yeah, definitely\n\nChannel 0: Yep.\n\nChannel 1: gone up more than I thought, actually.\n\nChannel 0: Yes. And that is actually so the second document that you will see when you have a moment later, it it does give you a twelve month snapshot. So, yeah, so even though, obviously, you've probably heard and seen in on the news and everything like that, obviously, the last twelve months have been quite turbulent.\n\nChannel 1: Yep.\n\nChannel 0: So we've had a bit of market fluctuations in the market. Obviously, you had everything going on in The US with Trump and tariffs and everything with a little bit of\n\nChannel 1: Yep.\n\nChannel 0: fluctuation, and more recently with the war and everything like that as well. So we have seen a bit of fluctuations in the last twelve months.\n\nChannel 1: Yeah.\n\nChannel 0: But your portfolio has actually still held up pretty good, and it is also because you are in a little bit of that defensive. So, like, your gold and silver and your portfolio have done really well\n\nChannel 1: Yes.\n\nChannel 0: and kind of helped stabilize everything. So in the last twelve months now this is after fees as well. So after all fees have come out of your account, your portfolio is still up by 6.91%, which we're which we're actually quite happy with given the market in the last twelve months and that you are in a, you know, a little bit more defensive component. So quite happy with that. So it's still going up, which is great.\n\nNow you probably have seen it wasn't something you had to sign, but on the March 12, we send you an email with a a record of advice to say that we did one investment change for you. Did you\n\nChannel 1: Okay.\n\nChannel 0: see that at all? If\n\nChannel 1: No.\n\nChannel 0: not,\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: didn't.\n\nChannel 0: okay.\n\nChannel 1: Sorry.\n\nChannel 0: No.\n\nChannel 1: Anyway, I just\n\nChannel 0: That's\n\nChannel 1: had my\n\nChannel 0: okay.\n\nChannel 1: baby on the March 19, so I was like I probably if\n\nChannel 0: You're\n\nChannel 1: I did\n\nChannel 0: probably\n\nChannel 1: see it.\n\nChannel 0: not. Totally fair. And and to be fair, it wasn't something you had sign, but it was just to let you know that, obviously, we we do take a proactive approach to your investment, and\n\nChannel 1: Yes.\n\nChannel 0: we do research your investments all the time.\n\nChannel 1: Okay.\n\nChannel 0: Because things are always changing in the market and in the world, and it is important to kind of stay on top of everything as well as\n\nChannel 1: Yes.\n\nChannel 0: things do change. So your investment committee did a pretty extensive review of the investment and found that one of the investments was slightly underperforming, which was the Benelon Australian Equity. And what we did was to switch it out for an alternative. So what we switched it for was the BetaShares Australia two hundred. Essentially, it was swapping one Australian investment for another one.\n\nChannel 1: Okay.\n\nChannel 0: Okay. But, basically, what it did is it kind of streamlined everything because it invests in the 200 largest companies in Australia. It's a very diversified portfolio. It was a little bit cheaper and performing a little bit better.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Cool. Yep.\n\nChannel 0: yeah. So we did that on the March 12. So if you do go to your, like, transactions in Netwealth or if you ever go back to that email, that's what that one was just if\n\nChannel 1: Yep.\n\nChannel 0: you do want that. But\n\nChannel 1: Yep. No.\n\nChannel 0: just\n\nChannel 1: That\n\nChannel 0: to\n\nChannel 1: that's\n\nChannel 0: kinda\n\nChannel 1: all\n\nChannel 0: limit,\n\nChannel 1: good.\n\nChannel 0: obviously, with everything going on. Now I won't be too much longer because I can hear a bit of noise in the background, and hopefully, baby's okay.\n\nChannel 1: Yeah. Yeah. Yeah. We're just driving at the moment.\n\nChannel 0: No. That's all good, but it shouldn't be too much longer. But, essentially, you also have insurances with Zurich. And you do have your life and total permanent disability insurance in place.\n\nChannel 1: Okay.\n\nChannel 0: You are covered for 654,604 if something were to happen. And the premium, it's pretty cheap, actually. So on a year for both those two, it's 508 582\n\nChannel 1: Yep.\n\nChannel 0: dollars for\n\nChannel 1: Okay.\n\nChannel 0: for total\n\nChannel 1: Yep.\n\nChannel 0: for both of them. So still happy with those insurances as well?\n\nChannel 1: Yeah. Yeah. That should be\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Yep. Perfect. Now what you will see when you do have a moment later to have a look through the document is that you will also see just an updated services guide. It's one that you would have seen every year, but it's just a bit of an updated version. It is one of those compliance documents, but all the important information regarding us at OCA will be in them.\n\nIf you do have a read over it, you will also see myself there on the page 10, I believe, if you do wanna put a face to the voice. Otherwise, none of the important information has changed.\n\nChannel 1: Yep.\n\nChannel 0: And now we will also ask you to sign two documents if you're happy to do so. One is your ongoing service agreement, and that's just to say that you are happy to sign.\n\nChannel 1: Yeah.\n\nChannel 0: Now there is no changes whatsoever in regards to the fee structure. It stays\n\nChannel 1: Okay.\n\nChannel 0: exactly the same at 1.65 and no changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it's not a lock in contract. But, essentially, by signing that otherwise, it lets us service and manage your account and insurances and everything for you in the meantime.\n\nChannel 1: Yep. So that's all on the same AML. Is it that I need to find?\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Oh,\n\nChannel 0: It's on the co yeah. So, basically, when you click on the link, it will kind of take you through the documents I just kind of touched on. You'll see a Vanguard index chart as well,\n\nChannel 1: that's easy.\n\nChannel 0: and then also, a tax file number form. It will ask you to sign, just for compliance to say we are keeping a tax file number secure and safe on file, but it is all through that link. So when you click on the link, it will talk you take you through the documents. And then at the end, that will be true, and there will be the ongoing service agreement and then the\n\nChannel 1: Yep.\n\nChannel 0: tax phone number. It will just ask you to add a signature digitally. It would make it nice and easy. And once you have added those two signatures, it should say validate. When\n\nChannel 1: Yep.\n\nChannel 0: you press validate, it will then send it back to me, and then I can get that all uploaded and sorted for you.\n\nChannel 1: Okay. No worries. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. If you do have any questions when you read over it, just give me a call. But, otherwise, when you have a moment, just have a read over it and just find those documents if you're happy to do so. And then, yeah, we'll obviously be in touch if there's any other changes. And if you need any advice or anything else from us at any point in time, just give us a call.\n\nOkay?\n\nChannel 1: Yeah. No. That sounds good. Thank you.\n\nChannel 0: Perfect. That's okay. Do you have any other questions for me before I let you get on with your afternoon otherwise?\n\nChannel 1: No. No. That's that sounds\n\nChannel 0: No.\n\nChannel 1: like, covers\n\nChannel 0: Okay.\n\nChannel 1: everything. Yeah.\n\nChannel 0: Yeah. Beautiful. Well well, congratulations again on the baby. And anything you\n\nChannel 1: Thank\n\nChannel 0: need,\n\nChannel 1: you.\n\nChannel 0: just let me know.\n\nChannel 1: Yep. And thank you. Good luck with your baby too.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: It'll be\n\nChannel 0: Thank you\n\nChannel 1: yeah.\n\nChannel 0: so much.\n\nChannel 1: No worries. Thank you. Bye.\n\nChannel 0: No worries. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.03934960067272186}],"sentiment":"neutral","sentiment_score":0.03934960067272186,"channel":1,"num_words":1,"start":0.39999998,"end":0.9},{"sentences":[{"text":"Good afternoon.","start":3.12,"end":3.84,"sentiment":"neutral","sentiment_score":0.23970378190279007},{"text":"This is Justine.","start":3.84,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.11718811343113582},{"text":"Hello?","start":8.08,"end":8.559999,"sentiment":"neutral","sentiment_score":0.03582741320133209},{"text":"Can you hear me?","start":8.559999,"end":9.54,"sentiment":"neutral","sentiment_score":0.020327502861618996}],"sentiment":"neutral","sentiment_score":0.09481093287467957,"channel":0,"num_words":10,"start":3.12,"end":9.54},{"sentences":[{"text":"Hello?","start":12.4,"end":12.9,"sentiment":"neutral","sentiment_score":0.009133592247962952}],"sentiment":"neutral","sentiment_score":0.009133592247962952,"channel":1,"num_words":1,"start":12.4,"end":12.9},{"sentences":[{"text":"Hello?","start":14.015,"end":14.495001,"sentiment":"neutral","sentiment_score":0.0072894832119345665},{"text":"Can you hear me?","start":14.495001,"end":15.475,"sentiment":"neutral","sentiment_score":0.009118436719290912}],"sentiment":"neutral","sentiment_score":0.008752646017819643,"channel":0,"num_words":5,"start":14.015,"end":15.475},{"sentences":[{"text":"Hi.","start":15.045,"end":15.545,"sentiment":"neutral","sentiment_score":0.03203496336936951},{"text":"Yep.","start":15.605,"end":15.925,"sentiment":"neutral","sentiment_score":0.03455863147974014},{"text":"Yep.","start":15.925,"end":16.425,"sentiment":"neutral","sentiment_score":0.039234235882759094}],"sentiment":"neutral","sentiment_score":0.03527594357728958,"channel":1,"num_words":3,"start":15.045,"end":16.425},{"sentences":[{"text":"Oh, so sorry.","start":16.815,"end":17.615,"sentiment":"neutral","sentiment_score":0.016808746693034966},{"text":"This is Veronica from Oakview Financial.","start":17.615,"end":19.695,"sentiment":"neutral","sentiment_score":0.023234579401711624},{"text":"Am I speaking with Justine?","start":19.695,"end":20.915,"sentiment":"neutral","sentiment_score":0.01097413431853056}],"sentiment":"neutral","sentiment_score":0.017478884863001958,"channel":0,"num_words":14,"start":16.815,"end":20.915},{"sentences":[{"text":"Yeah.","start":21.365,"end":21.525,"sentiment":"neutral","sentiment_score":0.046882834285497665},{"text":"That's me.","start":21.525,"end":22.345001,"sentiment":"neutral","sentiment_score":0.08122115209698677}],"sentiment":"neutral","sentiment_score":0.06977504615982373,"channel":1,"num_words":3,"start":21.365,"end":22.345001},{"sentences":[{"text":"Yeah.","start":22.575,"end":22.975,"sentiment":"neutral","sentiment_score":0.3080054223537445},{"text":"Perfect.","start":22.975,"end":23.475,"sentiment":"positive","sentiment_score":0.6865451335906982},{"text":"I had you booked in to go over your annual review.","start":24.35,"end":26.75,"sentiment":"positive","sentiment_score":0.5013212886723605},{"text":"Is now still a good time for 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cool.","start":514.45996,"end":515.2,"sentiment":"positive","sentiment_score":0.6078346073627472}],"sentiment":"positive","sentiment_score":0.6078346073627472,"channel":1,"num_words":2,"start":514.45996,"end":515.2},{"sentences":[{"text":"great.","start":514.81,"end":515.31,"sentiment":"positive","sentiment_score":0.6399029493331909},{"text":"And is there anything else, obviously, that you are working towards financially or nonfinancially at all in the near future?","start":517.665,"end":527.365,"sentiment":"neutral","sentiment_score":0.15372696295380592}],"sentiment":"neutral","sentiment_score":0.1768782004004433,"channel":0,"num_words":21,"start":514.81,"end":527.365},{"sentences":[{"text":"No.","start":528.455,"end":528.695,"sentiment":"neutral","sentiment_score":-0.09128907322883606},{"text":"Not not 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decide or when you can access super, a weekly income of about $1,000 from super was your was your goal at the time when you came on board.","start":553.265,"end":564.14,"sentiment":"neutral","sentiment_score":0.04923079090399875},{"text":"Is that still achievable, do you think, or do you think you'd need more, or you think just for you that will be sufficient to 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you.","start":1324.0209,"end":1324.5009,"sentiment":"positive","sentiment_score":0.5840539932250977},{"text":"Bye.","start":1324.5009,"end":1325.0009,"sentiment":"neutral","sentiment_score":0.31061995029449463}],"sentiment":"positive","sentiment_score":0.4108929693698883,"channel":1,"num_words":5,"start":1323.4608,"end":1325.0009},{"sentences":[{"text":"No worries.","start":1325.3209,"end":1325.881,"sentiment":"neutral","sentiment_score":0.12581952661275864},{"text":"Bye.","start":1325.881,"end":1326.381,"sentiment":"neutral","sentiment_score":-0.10192553699016572}],"sentiment":"neutral","sentiment_score":0.04990450541178385,"channel":0,"num_words":3,"start":1325.3209,"end":1326.381}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Justine to go over her annual review and discuss her investment property and retirement plans. They emphasize the importance of staying true to retirement goals and discuss various investment properties and assets. The speakers also touch on risk tolerance, risk transfer, and investment property for superann pains. They provide an updated services guide and advise the customer on signing and updating services. The agents will provide guidance and assistance for any further questions."},"intents":{"segments":[{"text":"This is Veronica from Oakview Financial. Am I speaking with Justine? Yeah.","start_word":23,"end_word":34,"intents":[{"intent":"Confirm identity","confidence_score":0.8572066},{"intent":"Confirm and confirm identity","confidence_score":0.00026704711}]},{"text":"Now when it comes to your personal information, I have you down here as married with financial dependence. Is that correct?","start_word":326,"end_word":346,"intents":[{"intent":"Discuss financial situation","confidence_score":0.007195055},{"intent":"Discuss financial status","confidence_score":0.003444361}]},{"text":"And I do have here next up Ken William nominated. Yep.","start_word":350,"end_word":360,"intents":[{"intent":"Congratulate on award nomination","confidence_score":0.00083663967}]},{"text":"And how much is that one worth? Do you know?","start_word":982,"end_word":991,"intents":[{"intent":"Inquire about value of investment property","confidence_score":0.008995332},{"intent":"Clarify car value","confidence_score":0.0070627593},{"intent":"Inquire about car loan amount","confidence_score":0.16197205},{"intent":"Inquire about car loan amount","confidence_score":0.015167158}]},{"text":"And did you get a car loan or Yeah. pay it outright?","start_word":1106,"end_word":1117,"intents":[{"intent":"Inquire about car loan","confidence_score":0.2845807}]},{"text":"Estate planning wise, I have here that you guys have a will in place? Yes. Yep.","start_word":1185,"end_word":1200,"intents":[{"intent":"Inquire about estate planning","confidence_score":0.20090955}]},{"text":"And I do have here for your beneficiaries. So in the event that something would've happened to you, I have your legal personal representative nominated so that it will revert to the will. Is that correct? Okay.","start_word":1236,"end_word":1272,"intents":[{"intent":"Confirm will and beneficiaries","confidence_score":0.0053119813}]},{"text":"Otherwise, do you have a power of attorney in place or anyone who makes any financial decisions on your behalf? No. No.","start_word":1276,"end_word":1297,"intents":[{"intent":"Review financial decisions","confidence_score":0.004347408}]},{"text":"And I guess kind of the other thing that's good to touch base on during annual review's goals to see kind of what's happened, what you are working towards, how do you you how did you go with the last goals you set, which Yep.","start_word":1317,"end_word":1361,"intents":[{"intent":"Discuss superannuation goals","confidence_score":0.14230278}]},{"text":"And when it comes to superannuation, I have here that, ideally, you would like to retire at 60. Yep.","start_word":1418,"end_word":1436,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.30374852}]},{"text":"And I have here that when you do decide or when you can access super, a weekly income of about $1,000 from super was your was your goal at the time when you came on board. Is that still achievable, do you think, or do you think you'd need more, or you think just for you that will be sufficient to cover, I'd know, like bills to think, and yeah, I'd like to think Mhmm.","start_word":1474,"end_word":1548,"intents":[{"intent":"Discuss cost savings","confidence_score":0.00047868377}]},{"text":"That depends on the inflation, I guess. It's hard Yes.","start_word":1553,"end_word":1562,"intents":[{"intent":"Understand inflation","confidence_score":0.0022529662}]},{"text":"And when it comes to how much risk you are willing to take for superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yeah.","start_word":1728,"end_word":1766,"intents":[{"intent":"Evaluate superannuation risk","confidence_score":0.037835013}]},{"text":"as well in order to kinda limit fluctuations from the market.","start_word":2070,"end_word":2080,"intents":[{"intent":"Limit market fluctuations","confidence_score":0.0008160662}]},{"text":"Now, typically, when we are looking at a asset allocation, so how your money is distributed and invested. We see about 70% in your growth assets. So that will be things like Australian shares, international shares, and property and commodities, and that is what's going to grow your super. Then we still had about 30% in your defensive, like your cash, your gold, your fixed interest to kinda focus on limit those fluctuations from the market. Are Yep.","start_word":2081,"end_word":2158,"intents":[{"intent":"Maximize asset allocation","confidence_score":0.0068256333}]},{"text":"Now do you have access to your emails at the moment? I do.","start_word":2182,"end_word":2194,"intents":[{"intent":"Access emails","confidence_score":0.062472265}]},{"text":"me to go through that one now, or can I do it a bit later?","start_word":2336,"end_word":2350,"intents":[{"intent":"Request time","confidence_score":0.0036180192}]},{"text":"Now, essentially, when you do click on the link, you will see a couple of documents. Now the first one you will see is just a breakdown of your super and your insurances.","start_word":2446,"end_word":2478,"intents":[{"intent":"Discuss details","confidence_score":0.00094712735}]},{"text":"Now, essentially, when you do click on the link, you will see a couple of documents. Now the first one you will see is just a breakdown of your super and your insurances. Yep. Now you will see here that you have your super with Netwealth, and you do have about 76,000 or $102 in there. Oh, And cool.","start_word":2446,"end_word":2504,"intents":[{"intent":"Provide information","confidence_score":0.41767555},{"intent":"Provide information","confidence_score":0.0041930415}]},{"text":"you How also much was yeah. it from this time last year? Are you Last able time? to see that? Or Yeah.","start_word":2505,"end_word":2526,"intents":[{"intent":"Confirm price","confidence_score":0.0014648277}]},{"text":"you How also much was yeah. it from this time last year? Are you Last able time? to see that? Or Yeah. Sure. Just give me one second, and I will get it up for you. yep. Now last time we spoke to you was a little bit more than twelve months ago. Yep. It was at 57,010. But let me see if I can get exactly twelve months Okay.","start_word":2505,"end_word":2574,"intents":[{"intent":"Confirm timeline","confidence_score":0.043236982}]},{"text":"And that is actually so the second document that you will see when you have a moment later, it it does give you a twelve month snapshot.","start_word":2607,"end_word":2633,"intents":[{"intent":"Provide snapshot","confidence_score":0.1069832}]},{"text":"But, basically, what it did is it kind of streamlined everything because it invests in the 200 largest companies in Australia. It's a very diversified portfolio. It was a little bit cheaper and performing a little bit better. Okay.","start_word":3059,"end_word":3097,"intents":[{"intent":"Automate investments","confidence_score":0.0037552512}]},{"text":"And once you have added those two signatures, it should say validate. When Yep. you press validate, it will then send it back to me, and then I can get that all uploaded and sorted for you. Okay.","start_word":3646,"end_word":3683,"intents":[{"intent":"Validate signatures","confidence_score":0.21968463}]},{"text":"If you do have any questions when you read over it, just give me a call. But, otherwise, when you have a moment, just have a read over it and just find those documents if you're happy to do so. And then, yeah, we'll obviously be in touch if there's any other changes. And if you need any advice or anything else from us at any point in time, just give us a call. Okay?","start_word":3690,"end_word":3764,"intents":[{"intent":"Provide assistance","confidence_score":0.2773939}]},{"text":"And if you need any advice or anything else from us at any point in time, just give us a call. Okay? Yeah.","start_word":3743,"end_word":3765,"intents":[{"intent":"Provide advice","confidence_score":0.10435118}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Justine. Hello? Can you hear me? Hello? Hello? Can you hear me? Hi. Yep. Yep. Oh, so sorry. This is Veronica from Oakview Financial. Am I speaking with Justine? Yeah. That's me. Yeah.","start_word":0,"end_word":37,"sentiment":"neutral","sentiment_score":0.05356931686401367},{"text":"Perfect. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":38,"end_word":57,"sentiment":"positive","sentiment_score":0.4705019295215606},{"text":"Yeah. Yeah. No. That's all good. Yep.","start_word":58,"end_word":64,"sentiment":"neutral","sentiment_score":0.2562415301799774},{"text":"Perfect.","start_word":65,"end_word":65,"sentiment":"positive","sentiment_score":0.42576688528060913},{"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 with you. Yep. Yep. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could Yep. I just get you to confirm your full name, date of birth, and address, please? Justine Monetan, 05/23/1988, and address, I think it's Lot 630 Joel Street Wagen or 15 Joel Street Wagen. I have Lot 63 Okay. Yep. 0. Yep. Is that the Yep. right one? Yeah. That's the right one. Yep. Okay.","start_word":66,"end_word":171,"sentiment":"neutral","sentiment_score":0.062443893402814865},{"text":"Beautiful.","start_word":172,"end_word":172,"sentiment":"positive","sentiment_score":0.3532460033893585},{"text":"And how's your morning been so far? Been been busy? Yeah. A little bit, but that's okay. Alright. Well, I will try not to keep you for too long. But before I do kind of jump into things, I do like to start by asking if there is anything specific you would like to go over today in a bit more detail, so any particular questions that you have or whether it's just just a bit of a catch up and see where everything's at? Yeah. Just a bit of a catch up. Yep. Perfect. So what I will do first is just to go through just a bit of an updated fact time just to see if there is anything major that has changed in your life, if you need to make any changes to your advice. So just kind of bear with me as I go through this information. Mhmm. Yep. Now when it comes to your personal information, I have you down here as married with financial dependence. Is that correct? Yep. Yep.","start_word":173,"end_word":348,"sentiment":"neutral","sentiment_score":0.035250294360924854},{"text":"Perfect. And I do have here next up Ken William nominated.","start_word":349,"end_word":359,"sentiment":"positive","sentiment_score":0.41682517528533936},{"text":"Yep. That's still right. Yep. Yep.","start_word":360,"end_word":365,"sentiment":"neutral","sentiment_score":0.14393140375614166},{"text":"Perfect.","start_word":366,"end_word":366,"sentiment":"positive","sentiment_score":0.3361240029335022},{"text":"Now I don't actually have a last name for William. Is that the same as yourself? Yeah. Yep. Can. Yes.","start_word":367,"end_word":386,"sentiment":"neutral","sentiment_score":0.03343091160058975},{"text":"Perfect.","start_word":387,"end_word":387,"sentiment":"positive","sentiment_score":0.4119386672973633},{"text":"And just the best contact number as well, please. Hang on. That's a good question. You think I'd know it by now, but I keep on forgetting it. Oh, it's one of those things you never had you you just don't have to remember it anymore. You don't have Yeah. to dial it. So 0400, Yep. 557 Five seven. Yep. 623. 23.","start_word":388,"end_word":449,"sentiment":"neutral","sentiment_score":0.03359108045697212},{"text":"Perfect. Thank you so much.","start_word":450,"end_word":454,"sentiment":"positive","sentiment_score":0.572953462600708},{"text":"Now when it comes to occupation, I believe last time we spoke to you, you were on leave at the moment. Are you Yep. back at work, still on leave, No. or what's Still on still on leave. I've had another yeah. another baby.","start_word":455,"end_word":498,"sentiment":"neutral","sentiment_score":-0.03490014001727104},{"text":"Congratulations.","start_word":499,"end_word":499,"sentiment":"positive","sentiment_score":0.361933708190918},{"text":"Thank How you. old? He's just over three months now. Oh, no. Boy or girl? A little boy. Oh, well, congratulations. Yeah.","start_word":500,"end_word":521,"sentiment":"neutral","sentiment_score":0.09332443028688432},{"text":"Thank you. Very exciting.","start_word":522,"end_word":525,"sentiment":"positive","sentiment_score":0.5755631923675537},{"text":"And how's it all going? Yes. It's yeah. It's busy. Yeah. But, no, it's good.","start_word":526,"end_word":540,"sentiment":"neutral","sentiment_score":0.12324006855487823},{"text":"It's good.","start_word":541,"end_word":542,"sentiment":"positive","sentiment_score":0.4080085754394531},{"text":"Oh, Yeah.","start_word":543,"end_word":544,"sentiment":"neutral","sentiment_score":0.12529201805591583},{"text":"Oh, beautiful.","start_word":545,"end_word":546,"sentiment":"positive","sentiment_score":0.4747910499572754},{"text":"I'm actually expecting my first one in three months. Sorry.","start_word":547,"end_word":556,"sentiment":"neutral","sentiment_score":0.2212849259376526},{"text":"I'll congratulations. be right with you soon. Thank you.","start_word":557,"end_word":565,"sentiment":"positive","sentiment_score":0.4160923361778259},{"text":"It's not all bad. No. I hear beautiful things. Yeah. Obviously, a bit of a change through sleeping and everything else, but Yeah. a Yep. beautiful time. So, yeah, obviously, Yeah. on I'm a try to leave at the moment. Are you planning on going back after a certain period of time or just kind of seeing what happens? Probably off for a while, I think, at this stage. Yep. Yep.","start_word":566,"end_word":636,"sentiment":"neutral","sentiment_score":-0.0017303655622527003},{"text":"Nice.","start_word":637,"end_word":637,"sentiment":"positive","sentiment_score":0.360003262758255},{"text":"Now, obviously, because you're not working, no contributions through Super, have you claimed on making any contributions yourself or not really right now, obviously, with not working in income? Yeah. Not right now, but we were Nope. sort of thinking about it for tax reasons. But I think with all the changes, we're just seeing Yep. where all What that happened? like yep. Yeah. No. It makes sense. No worries. Now asset wise, I have here that you own a property. It was last died at about 420,000. Is that Okay. still the case, or do you know if that's gone up a little bit? Which property was that? Was that the the current That's home? Or yes. The one that you yeah. guys live in. I would like to think it's increasing value, but I'm not sure how Mhmm. much exactly. It's a bit of a tricky one because it's, yeah, rural. Okay. So I don't know what it's actually worth. No. That's totally fair. Are you happy for me to leave it at 04:20, or do you think Maybe go 05:50. 05:50? Okay. Perfect. Mortgage about 03:10. Yep. Yep. I think so. Yep. And then also investment property, you still have that one? The what one? Sorry. An investment property? Yes. Yeah. We've got we actually Yes. have two now. Oh, nice. Yes. So So there's one mhmm. in Busselton, which I think yeah. We've had that for a while, so you guys probably have that on your books. Mhmm. Yep. I think oh, again, I'm not sure exactly how much, but I I would say safely, it'd be worth 1.2, hopefully more. Oh, perfect. $1.1.0.2. Yep. Perfect. And mortgage on that one. Do you know? No. Sorry. Roughly. 3. We got I think it was $3.80, so it'll be yeah. We'll just keep it at that, I guess. No. Yep.","start_word":638,"end_word":950,"sentiment":"neutral","sentiment_score":-0.013525675982236862},{"text":"Perfect.","start_word":951,"end_word":951,"sentiment":"positive","sentiment_score":0.3970469832420349},{"text":"No. That's what I have here. And then the new investment property, where is that Yep. one? So that is in Leda, L E D A, in Perth.","start_word":952,"end_word":979,"sentiment":"neutral","sentiment_score":0.05120912194252014},{"text":"Perfect.","start_word":980,"end_word":980,"sentiment":"positive","sentiment_score":0.4539508819580078},{"text":"Yep. And how much is that one worth? Do you know? I showed no experience for it. I I would say $7.07 90. About $7.90. Perfect. And we'll get on that one? $7.50? Yep. Perfect. Any other new assets aside from the investment property? Any, like, motor vehicles or boats or bike motorbikes? I have a different car, but Mhmm. yep. So that's a Toyota Kluger. Yep. And how much would that one be valued at, do you think? We bought it for I think it was 70, but I'm not sure about car values. I wouldn't I would assume it's Yeah. worth less than It's like that I kind of depreciate a little that bit, but now. Yeah.","start_word":981,"end_word":1099,"sentiment":"neutral","sentiment_score":0.0064630694687366486},{"text":"that's all good.","start_word":1100,"end_word":1102,"sentiment":"positive","sentiment_score":0.4416386485099793},{"text":"I'll leave it. And did you get a car loan or Yeah. pay it outright? Yeah. No Yep. car loan. And about 70 as well, or do you know how much? Oh, I think 50. About 50. Okay. Perfect. Anything else? No. I think that's all really. No. That's all good. Perfect. And health and lifestyle, obviously, aside from postpartum recovery and everything, Yeah. but Apart have from you that, it's all yep. All Yeah. all fine. All good. Okay. Yep. Perfect. Estate planning wise, I have here that you guys have a will in place? Yes. Yep. Yes. Perfect. And is that pretty up to date? Oh, it hasn't been updated since we had our first, which Mhmm. but it's pretty much all all go to the same kind of thing. Yep. And I do have here for your beneficiaries. So in the event that something would've happened to you, I have your legal personal representative nominated so that it will revert to the will. Is that correct? Okay. Yep.","start_word":1103,"end_word":1273,"sentiment":"neutral","sentiment_score":0.09474311023950575},{"text":"Yes. Perfect.","start_word":1274,"end_word":1275,"sentiment":"positive","sentiment_score":0.5322108268737793},{"text":"Otherwise, do you have a power of attorney in place or anyone who makes any financial decisions on your behalf? No. No. Well, my husband No. makes more Yeah. of the decisions, but that's Otherwise, no. Yeah. No. yeah.","start_word":1276,"end_word":1314,"sentiment":"neutral","sentiment_score":0.02676139399409294},{"text":"All good.","start_word":1315,"end_word":1316,"sentiment":"positive","sentiment_score":0.47149038314819336},{"text":"And I guess kind of the other thing that's good to touch base on during annual review's goals to see kind of what's happened, what you are working towards, how do you you how did you go with the last goals you set, which Yep. for you, I have here that was to buy another investment property, which you guys obviously did.","start_word":1317,"end_word":1378,"sentiment":"neutral","sentiment_score":0.16755394637584686},{"text":"So that is Oh, cool. great.","start_word":1379,"end_word":1384,"sentiment":"positive","sentiment_score":0.4785524606704712},{"text":"And is there anything else, obviously, that you are working towards financially or nonfinancially at all in the near future? No. Not not so No. much now. Yeah. Yeah. No. That's all good. And when it comes to superannuation, I have here that, ideally, you would like to retire at 60. Yep. Is that still the case? Yeah. Yep. Or now. That's Yep. it. Yeah. We try it now, but the LSU controls come from super 60. So I'll leave it Yep. at that, but Yeah. you know? No. And I have here that when you do decide or when you can access super, a weekly income of about $1,000 from super was your was your goal at the time when you came on board. Is that still achievable, do you think, or do you think you'd need more, or you think just for you that will be sufficient to cover, I'd know, like bills to think, and yeah, I'd like to think Mhmm. that'd be the same. That depends on the inflation, I guess. It's hard Yes. to kind of know exactly where that'll be, but, yeah, we'll Yeah. just keep it at that. Yeah.","start_word":1385,"end_word":1580,"sentiment":"neutral","sentiment_score":0.0321928970515728},{"text":"Perfect.","start_word":1581,"end_word":1581,"sentiment":"positive","sentiment_score":0.4201769232749939},{"text":"And when it comes through how your money is invested in super, now I'll just go through a bit of a risk profile questionnaire with you there, Justine. It it's just multiple choice to make it nice and easy. There's Yep. no right or wrong answer, and it's just to kind of gauge how you feel about certain situations. Sometimes I know it's a bit hypothetical, and it can be a bit tricky. But just trying to trying to gauge of what you feel would be the most aligned with you, and that Yep. is just to make sure we have you in the right level of risk that you are comfortable with. Does that Yep. make sense? Yeah. No. That's all good. Yep.","start_word":1582,"end_word":1705,"sentiment":"neutral","sentiment_score":0.04998078425565074},{"text":"Perfect.","start_word":1706,"end_word":1706,"sentiment":"positive","sentiment_score":0.47444045543670654},{"text":"Now have you ever bought direct shares yourself from superannuation? No. Nope. Perfect. And, yeah, we've already touched on time frames. And when it comes to how much risk you are willing to take for superannuation, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yeah. The small amount of risk. I think that's what I've still I had before, wasn't it? Correct. The low Yes. risk. It was. Yep. And fluctuations Yep. of volatility wise, if you did notice a fluctuation after placing an investment after six months, it fluctuated by 20%, so went down by 20% Okay. due to gen general trends in the market. Would you say that you would wanna invest more while the prices are down? Kind of neutral hold and wait to see what happens, or would you want to shift to something more secure? So that means you are then selling when the prices have dropped. Probably a bit more neutral. Bit more neutral. Yep. Perfect. And when it comes to fluctuations in any asset, so superannuation, for example, or any other personal asset, if, again, you saw a drop in value, would you feel optimistic about future investment opportunities? Again, kind of a little bit cautious, not making further investment, or would you say that you'd be concerned or highly anxious? I'm probably a bit more cautious. A bit more cautious. Yep. And the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? No. No. No. Good. So just kind of for investment property in terms of borrowing money, that's where you would be Yeah. comfortable.","start_word":1707,"end_word":1999,"sentiment":"neutral","sentiment_score":-0.015316935154409132},{"text":"Yeah. Perfect. Now it tells me here that you have come out just kind of a borderline between a balanced and growth, which fits pretty perfectly because we do have you in a balanced growth portfolio. Oh, cool.","start_word":2000,"end_word":2037,"sentiment":"positive","sentiment_score":0.367981880903244},{"text":"So it is someone that is looking at getting, you know, some growth out of your superannuation, but you also want a bit more of that conservative element to your portfolio Yep. as well in order to kinda limit fluctuations from the market. Now, typically, when we are looking at a asset allocation, so how your money is distributed and invested. We see about 70% in your growth assets. So that will be things like Australian shares, international shares, and property and commodities, and that is what's going to grow your super. Then we still had about 30% in your defensive, like your cash, your gold, your fixed interest to kinda focus on limit those fluctuations from the market. Are Yep. you still happy with that same kind of level of risk and where everything's at? Yeah. Yep. I think so. Yeah. Yeah. Perfect. Now do you have access to your emails at the moment? I do. Yep. Okay.","start_word":2038,"end_word":2196,"sentiment":"neutral","sentiment_score":0.19603294134140015},{"text":"Perfect.","start_word":2197,"end_word":2197,"sentiment":"positive","sentiment_score":0.349989652633667},{"text":"Because if you if you do, it just makes it a bit easier for yourself if you can. Even if it's just on the phone, if you have to put me on speaker, that's okay. I have sent you an email with a couple of documents to just kind of run through with you. Now Okay. we have just changed the software, so it might look a little bit different to what you were used to. It is the same kind of concept, though, where you get an email, and it should say request signature or something like that, but Okay.","start_word":2198,"end_word":2298,"sentiment":"neutral","sentiment_score":0.0996449664235115},{"text":"it could also end up in spam.","start_word":2299,"end_word":2305,"sentiment":"negative","sentiment_score":-0.3812822699546814},{"text":"Did you receive that one, like, ten minutes ago maybe? Yep. Sorry. Just one minute. Yeah. Sure. Yep. Yep. What's up? I've received that. Sorry. Did you need Okay. me to go through that one now, or can I do it a bit later? You can do it later if you would like.","start_word":2306,"end_word":2358,"sentiment":"neutral","sentiment_score":0.004166125407758748},{"text":"It's it's okay. Cool.","start_word":2359,"end_word":2362,"sentiment":"positive","sentiment_score":0.5130693316459656},{"text":"I do sometimes ask if you can get it up while I'm talking about it because sometimes makes it a bit easier.","start_word":2363,"end_word":2384,"sentiment":"neutral","sentiment_score":0.3207557499408722},{"text":"But if it is easier for you, I'm more than happy to just kind of run through the main points. And then when you have a little bit of time, you can go through it. And if you have any questions, you can always let me know. Yeah. Thank you. That'll be that'll Yeah.","start_word":2385,"end_word":2438,"sentiment":"positive","sentiment_score":0.4838828146457672},{"text":"be better. No. No. That's all good. Now, essentially, when you do click on the link, you will see a couple of documents. Now the first one you will see is just a breakdown of your super and your insurances. Yep. Now you will see here that you have your super with Netwealth, and you do have about 76,000 or $102 in there. Oh, And cool. you How also much was yeah. it from this time last year? Are you Last able time? to see that? Or Yeah. Sure. Just give me one second, and I will get it up for you. yep. Now last time we spoke to you was a little bit more than twelve months ago. Yep. It was at 57,010. But let me see if I can get exactly twelve months Okay. ago Oh, that's that's so okay. you can If it was around about this okay. time, that's that's fine. Yeah. So, yeah, definitely Yep. gone up more than I thought, actually. Yes. And that is actually so the second document that you will see when you have a moment later, it it does give you a twelve month snapshot. So, yeah, so even though, obviously, you've probably heard and seen in on the news and everything like that, obviously, the last twelve months have been quite turbulent. Yep. So we've had a bit of market fluctuations in the market. Obviously, you had everything going on in The US with Trump and tariffs and everything with a little bit of Yep. fluctuation, and more recently with the war and everything like that as well. So we have seen a bit of fluctuations in the last twelve months. Yeah.","start_word":2439,"end_word":2721,"sentiment":"neutral","sentiment_score":0.03250686896721382},{"text":"But your portfolio has actually still held up pretty good, and it is also because you are in a little bit of that defensive. So, like, your gold and silver and your portfolio have done really well Yes. and kind of helped stabilize everything.","start_word":2722,"end_word":2765,"sentiment":"positive","sentiment_score":0.5011242032051086},{"text":"So in the last twelve months now this is after fees as well.","start_word":2766,"end_word":2778,"sentiment":"neutral","sentiment_score":0.21179939806461337},{"text":"So after all fees have come out of your account, your portfolio is still up by 6.91%, which we're which we're actually quite happy with given the market in the last twelve months and that you are in a, you know, a little bit more defensive component. So quite happy with that. So it's still going up, which is great.","start_word":2779,"end_word":2838,"sentiment":"positive","sentiment_score":0.5270569324493408},{"text":"Now you probably have seen it wasn't something you had to sign, but on the March 12, we send you an email with a a record of advice to say that we did one investment change for you. Did you Okay. see that at all? If No. not, I it's didn't. okay. Sorry. No. Anyway, I just That's had my okay. baby on the March 19, so I was like I probably if You're I did probably see it. not. Totally fair. And and to be fair, it wasn't something you had sign, but it was just to let you know that, obviously, we we do take a proactive approach to your investment, and Yes. we do research your investments all the time. Okay. Because things are always changing in the market and in the world, and it is important to kind of stay on top of everything as well as Yes. things do change. So your investment committee did a pretty extensive review of the investment and found that one of the investments was slightly underperforming, which was the Benelon Australian Equity. And what we did was to switch it out for an alternative. So what we switched it for was the BetaShares Australia two hundred. Essentially, it was swapping one Australian investment for another one. Okay. Okay.","start_word":2839,"end_word":3057,"sentiment":"neutral","sentiment_score":0.0101882116869092},{"text":"But, basically, what it did is it kind of streamlined everything because it invests in the 200 largest companies in Australia. It's a very diversified portfolio. It was a little bit cheaper and performing a little bit better. Okay. So Cool.","start_word":3058,"end_word":3098,"sentiment":"positive","sentiment_score":0.4975312352180481},{"text":"Yep. yeah. So we did that on the March 12. So if you do go to your, like, transactions in Netwealth or if you ever go back to that email, that's what that one was just if Yep. you do want that. But Yep. No. just That to that's kinda all limit, good. obviously, with everything going on. Now I won't be too much longer because I can hear a bit of noise in the background, and hopefully, baby's okay. Yeah. Yeah. Yeah. We're just driving at the moment. No. That's all good, but it shouldn't be too much longer. But, essentially, you also have insurances with Zurich. And you do have your life and total permanent disability insurance in place. Okay. You are covered for 654,604 if something were to happen.","start_word":3099,"end_word":3230,"sentiment":"neutral","sentiment_score":0.0730312243103981},{"text":"And the premium, it's pretty cheap, actually.","start_word":3231,"end_word":3237,"sentiment":"positive","sentiment_score":0.3696441650390625},{"text":"So on a year for both those two, it's 508 582 Yep. dollars for Okay. for total Yep. for both of them.","start_word":3238,"end_word":3259,"sentiment":"neutral","sentiment_score":0.1717022955417633},{"text":"So still happy with those insurances as well?","start_word":3260,"end_word":3267,"sentiment":"positive","sentiment_score":0.43312597274780273},{"text":"Yeah. Yeah. That should be Yep. fine. Yep.","start_word":3268,"end_word":3275,"sentiment":"neutral","sentiment_score":0.23153093457221985},{"text":"Perfect.","start_word":3276,"end_word":3276,"sentiment":"positive","sentiment_score":0.4883919954299927},{"text":"Now what you will see when you do have a moment later to have a look through the document is that you will also see just an updated services guide. It's one that you would have seen every year, but it's just a bit of an updated version. It is one of those compliance documents, but all the important information regarding us at OCA will be in them. If you do have a read over it, you will also see myself there on the page 10, I believe, if you do wanna put a face to the voice. Otherwise, none of the important information has changed. Yep. And now we will also ask you to sign two documents if you're happy to do so.","start_word":3277,"end_word":3400,"sentiment":"neutral","sentiment_score":0.11270264536142348},{"text":"One is your ongoing service agreement, and that's just to say that you are happy to sign.","start_word":3401,"end_word":3417,"sentiment":"positive","sentiment_score":0.3528819978237152},{"text":"Yeah. Now there is no changes whatsoever in regards to the fee structure. It stays Okay. exactly the same at 1.65 and no changes in regards to that, and it is not a lock in contract. So if at any point in time you are not happy, it's not a lock in contract. But, essentially, by signing that otherwise, it lets us service and manage your account and insurances and everything for you in the meantime. Yep. So that's all on the same AML. Is it that I need to find? Correct. Yeah. Yeah. Oh, It's on the co yeah. So, basically, when you click on the link, it will kind of take you through the documents I just kind of touched on. You'll see a Vanguard index chart as well, that's easy. and then also, a tax file number form. It will ask you to sign, just for compliance to say we are keeping a tax file number secure and safe on file, but it is all through that link. So when you click on the link, it will talk you take you through the documents. And then at the end, that will be true, and there will be the ongoing service agreement and then the Yep. tax phone number. It will just ask you to add a signature digitally.","start_word":3418,"end_word":3638,"sentiment":"neutral","sentiment_score":0.15719708800315857},{"text":"It would make it nice and easy.","start_word":3639,"end_word":3645,"sentiment":"positive","sentiment_score":0.3770555853843689},{"text":"And once you have added those two signatures, it should say validate. When Yep. you press validate, it will then send it back to me, and then I can get that all uploaded and sorted for you. Okay. No worries.","start_word":3646,"end_word":3685,"sentiment":"neutral","sentiment_score":0.18787051737308505},{"text":"Sounds Yep. good. Perfect.","start_word":3686,"end_word":3689,"sentiment":"positive","sentiment_score":0.44672054052352905},{"text":"If you do have any questions when you read over it, just give me a call. But, otherwise, when you have a moment, just have a read over it and just find those documents if you're happy to do so. And then, yeah, we'll obviously be in touch if there's any other changes. And if you need any advice or anything else from us at any point in time, just give us a call. Okay? Yeah. No.","start_word":3690,"end_word":3766,"sentiment":"neutral","sentiment_score":0.25021612644195557},{"text":"That sounds good. Thank you. Perfect. That's okay.","start_word":3767,"end_word":3774,"sentiment":"positive","sentiment_score":0.4588170051574707},{"text":"Do you have any other questions for me before I let you get on with your afternoon otherwise? No. No. That's that sounds No. like, covers Okay. everything. Yeah. Yeah.","start_word":3775,"end_word":3804,"sentiment":"neutral","sentiment_score":-0.01569514535367489},{"text":"Beautiful. Well well, congratulations again on the baby. And anything you Thank need, you.","start_word":3805,"end_word":3818,"sentiment":"positive","sentiment_score":0.570051372051239},{"text":"just let me know. Yep.","start_word":3819,"end_word":3823,"sentiment":"neutral","sentiment_score":0.29608774185180664},{"text":"And thank you. Good luck with your baby too. Yeah. Beautiful. It'll be Thank you yeah. so much.","start_word":3824,"end_word":3841,"sentiment":"positive","sentiment_score":0.6244398355484009},{"text":"No worries.","start_word":3842,"end_word":3843,"sentiment":"neutral","sentiment_score":0.3007972240447998},{"text":"Thank you.","start_word":3844,"end_word":3845,"sentiment":"positive","sentiment_score":0.5846904516220093},{"text":"Bye. No worries. Bye.","start_word":3846,"end_word":3849,"sentiment":"neutral","sentiment_score":0.1916249543428421}],"average":{"sentiment":"neutral","sentiment_score":0.10272048041293608}}}}