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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. Yes. Correct. And it's Veronica. Yes. Now I also just need to confirm that I am speaking with the right person just for security purposes. So could I just get you to confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. How's your day been? Been busy? Yeah. Well, I will try not to keep you for too long. But before I do jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of their review today or any particular questions or just a kind of a bit of an update and see what kind of everything is up to? Yeah. Okay. Beautiful. Now what I will do first is just go through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life. If we need to make any changes to your advice. So just kind of bear with me as I go through this information that I have here. Now when it comes to your personal information, I have you down here that you are in a de facto relationship and that you have a financial dependent at home. Is that still correct? Yep. Perfect. And next up, Ken, I have see the nominator. That's also correct? Perfect. Now when it comes to your occupation, has any of that changed, or are you still at the the same place doing, like, the factory worker? Yep. And you're still enjoying it? Yeah. Perfect. And what is your income at the moment? Do you know? Mhmm. How much? Sorry. 900 and yes. Yep. Sorry. I lost you there. How much did you say per week? Yep. Sure. That's okay. Mhmm. Okay. Okay. So 9 and does it have how much do you get paid into your bank account, like, after tax? Mhmm. Okay. Okay. No. That makes sense. So between that $9.55 and about 1,000 depending on over time, and that was after tax. Correct? Did you say? Yes. Yes. Perfect. And how much are you salary sacrificing regularly again? Is it staying the same? Yep. Perfect. And your employer, they still pay you that standard 12% contribution. There's no, like, enterprise bargain agreement or anything like that in place just like the standard rule still. They have they used to be. So they have changed the legislation. So the minimum that an employer has to do now is 12 percent. It used to be 11, and then it went to 11.5. And now with the current legislation, they have to do 12% minimum. Yeah. Have a look. Yeah. So because they because with the legislation change, they they legally have to. So they would probably just start doing that automatically, but I can have a bit of a look in the account for you afterwards just to make sure that kind of all matches up through the income that you told me. But but, yeah, it is the minimum is 12% now, but I can triple check that in the back end for you. Yeah. Yeah. I can actually see if I can go into your account now and have a bit of a look if it changes. Just bear with me. Perfect. Let me have a look into your account. Okay. Let me have a look here for you. Yeah. Usually, they don't. Some do, but usually, it's just like the the minimum legal is 12. So I can see here that on the July 2, they paid you had your $50 salary sacrifice, I can see, And then they also put in a $124.32. Now let me just check the when the last one was just so that I can check if that's pretty consistent. And yeah. So you must have done maybe a bit of overtime because then I can see on the June 30, that was one for $200 and $449. And then they must do it a little bit more sporadically because then I can see that after June, they did it three weeks earlier. That was on the May 18, and that was 630 and then 250. That must have been the salary sacrifice. So it seems like it comes in a little bit different times. Because in April, you had a 200, so they did a monthly for you there, and then 456. So it seems like it varies a bit. 472. Correct. That is correct. Yes. So before that, they only had to do it once a quarter at a minimum, which is probably why sometimes they did it a little bit random times. But, yes, you are correct. So now you should see it. And do you get paid weekly? Yeah. So then we should see that coming in now at weekly, which is probably why the the amount last was weak. So, yes, that would also be good because then you have the money dropping in sooner, which means that it will be invested and compounding quicker for you as well. So that's good. Yes. So if I use the 124, so just the most 8¢, and I use your income of $9.05 4, it's about 12.9. So with overtime and stuff like that, it looks like it's pretty pretty much on that 12%, which is good. So not 11%. So you'll be that standard 12%, which is good. Yeah. That's great. Yes. I can imagine. Yeah. Well, at least now you're getting a little bit more for it, so that's good. So then when you do retire, you should have a little bit more, so that's perfect. And, otherwise, when it comes to your assets, do you own a motor vehicle or or renting, or what kind of your situation like when you with your assets and stuff? Mhmm. Mhmm. Oh, yeah. Yep. Perfect. And do you know how much the total loan is? Mhmm. Mhmm. Yeah. Around that. And do you know how much the car is valued at? Like, if you were to, let's say, sell it tomorrow, how much do you think it'll be worth, or how much do you buy it for? No. Yes. Okay. Perfect. So that's that. Perfect. Any other assets? No. Perfect. And any liabilities, like personal loans or credit card or ZipPay? Mhmm. Okay. Perfect. Anything else? Yeah. Actually, now I don't how much is on the mortgage? Do you know? Roughly? Mhmm. About $4.50. Perfect. And how much do you think the property is worth if you were to sell it? Mhmm. Mhmm. Oh, that's nice. Around that, it's still you still have more in the house than you are, which is good. Hopefully not. Yeah. That's for it. Yeah. Just take it especially with all the prices and everything nowadays too. It's like, take it as it comes. And if you're you're working hard, which you are, and, you know, putting extra to see for and doing everything to try to, you know, make for time and as comfortable as possible, and and that's really good. Yes. Exactly. Yeah. And at least you're paying your own mortgage. So, you know, whereas if you rent renting it to someone else, at least you're paying your own. Now when it comes to health and lifestyle, are you a smoker or a nonsmoker? Nonsmoker. Perfect. And have you had any changes to your health in the last twelve months? Any significant injuries or illnesses or anything? No. Yeah. Just general aches and pikes, or is there anything more or is this, like, general just that comes? Yeah. Yes. Yes. Yeah. Okay. Okay. Perfect. Now do you guys still have the investment property as well? Yep. Mhmm. Okay. Okay. Okay. So do you still have that one investment property, or did you guys sell it to do some renovations, did you say? Okay. Yes. Yes. Okay. Perfect. That's good. Now when it comes to estate planning, do you have a will in place or a power of attorney or anything like that? No. No. That's okay. Yeah. So kind of now do you know someone local that you could speak to, or would you like us to send you some information on a firm that we work closely with with some prices so you have it if you do wanna look at potentially getting it done at some point? Yep. Yes. No. Yes. Yeah. Yeah. Yeah. Yeah. So what I can do is I can just send I'll get my team to just email both of you, and it will just have the lawyer information. No obligation, obviously, but that way, you have some information in regards to, like, a will. There's also some pricing, and then you guys can obviously have a discussion whenever you're at the moment. If you wanna speak to them, there's all their contact details or everything. Or if you don't decide to, well, at least you have the information and a comparison for pricing for you as well. Yeah. Perfect. Now with estate planning as well, I can see here that with your insurance and in your hub 24 for your super account, we don't currently have a nomination on file if something were to happen to you. So do you remember receiving a post with some beneficiary forms to complete? Do you remember receiving that? Do you do you remember when? Roughly? Mhmm. Mhmm. No. I can't see it here. But what I will do, I will go triple check with the team, but having a look at the system. Sometimes Australia post often it it gets here, especially obviously from from WA. Now do you have access to a printer or not really? Okay. So what I can do is I will get the team to triple check if it's in the mail somewhere. But if you did it a little while ago, we should have got it by now. But I will triple check for you. And if we don't have it, just so you don't have to complete it again, what I will do is I will get the team to email you the forms. That way you have it in your inbox. You can just print it, complete it, and email it back, and then we know for sure that it comes back to us and not, like, lost in the post or something. Yeah. You can actually get it witnessed by anybody. So as long as it's not the person you nominate. So say, for example, you wanna give it to Steven. Now he can't be a witness and you can't be a witness, but let's say you have two neighbors, they can witness it. It doesn't have to be a just as a piece. It just has to be someone to witness when you you do it, and it just can't be the person you are actually nominating. But, otherwise, it can be a neighbor or a friend or family member. That's perfectly fine. Just anybody. They just have to do it together. The two people at the same time. Yeah. But that makes it easier. You don't have to go to justice of peace. It can be anybody just to witness. Oh, yeah. Yes. Yes. That's that's a little bit frustrating for you. But yeah. No. I can't see anything here, but like I said, I'll double check with the team. And if we we don't have it, which it doesn't look like, but I will double check, I'll get them to email it to you. So that way, you don't have to like, it doesn't get lost again or something like that, and it would directly come back through us. And, yes, it doesn't have to be just as a piece. It can be anybody because that's a bit hard sometimes to find the time to actually go and see them. So that can be anyone. It can be any any family members or anything. Just not the person you wanna give it to. Yeah. No. That's okay. Now, otherwise, during the annual reviews, what is usually a good thing to do is just to kind of check-in to see what your goals were last year when we spoke to you, if it's changed or how you went with it, and potentially setting some goals for the next couple of years. So when you had your interview last, you spoke to my colleague, Dana. And I can see here that your main focus at this time was to buy a new car, which it did, so that's good. Is there anything that you you or both of you are working towards financially or nonfinancially in the next couple of years? So is it just to kinda focus on getting through everything, or is there anything specific that you guys are working towards? Yep. Yeah. Yeah. Yep. Yep. Yeah. And how old is she now? Yeah. Yeah. Beautiful. Perfect. And then after obviously, there's still still a little bit to go, and then after that, maybe look at something else. But, yeah, obviously, that's very important when it comes to school. So that that's a good thing that you guys are working towards. And yeah. Where would you go? Yeah. Yeah. Yes. Yeah. Oh, beautiful. That's yeah. A bit a bit closer. Oh, yeah. Yes. Yes. Yes. Yes. No. Very expensive. No. Well, that's beautiful. Yeah. Yep. No. That is good. And when it comes to your superannuation, I have here that, ideally, you would like to retire or stop working at 63. Is that still kind of the plan, do you think, or when do you think you would like to retire or start drawing an income from your superannuation? Mhmm. Yep. Mhmm. Yep. Yep. Perfect. So it just depends, but, no, that's good. Yeah. Most a lot of people are the same. Just wanna have something to do and mentally stimulating and everything like that as well. Yes. Yes. Exactly. Mhmm. And, ideally so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,000 per week. Now do you still think that's, would cover living costs and retirement, or do you think you'd need a little bit more per week? Might be a little bit hard to tell, but do you think roughly? Yeah. So maybe more like 1,500 potentially will give you a little bit more of a buffer. Yeah. Yeah. Yes. Yes. Yeah. Yeah. Yes. And and that's just the yeah. That's the thing. And that's just kind of a good goal as well. So, obviously, we're trying to get you as much as we can before retirement. But even if we're kind of aiming for about 15 100, at least it gives you a little bit more of a buffer so you don't have to, you know, budget as hard than around a thousand. Yeah. Yeah. Yeah. Yeah. Exactly. Who knows? Okay. Perfect. Now do you have access to your emails at the moment? Oh, not really. Okay. So what I have done is I have to send you an email with some documents to go through, and it just makes it a little bit easier for you if you can actually see them at the same time. But if you could go into your emails for me, you should have a email there. And it could sometimes end up in spam folder as well because we have changed to a new software. So there should be yeah. It should be an email where it says, oh, if you financial request signature, signature request or something like that. Nothing? And nothing in spam either? Yes. That's the one. Now, usually, it will ask you to click on the link first. Now it won't get it. Okay. Because it won't get you to sign right away. It will allow you to look at everything first. Make sure you are happy before it'll ask you to sign anything. Yep. Yes. Can you click on that? Is there, like, a link? Yes. Okay. Try to click on that one for me. Yes. Yes. Okay. Yes. Beautiful. Now can you click on the which one is the first document that you can see? And we'll just do it in the order that you can see to make it easier. What's the first thing you can see? No. That's okay. So when you open the document, what is the first document that you can see? What's it called? Is that super insurance summary? Yes. Perfect. Yes. Alright. This is the one where we start. So if you have a look at this one, you can see that you have your super with hub 24, and you do have about a $116,700 in there. Now underneath it, you should see your one path insurance, and you have life and total permanent disability insurance if something were to happen. And that would pay out 367,500 for both of them. And they are paid from within Hub 24, so you don't pay for anything out of pocket. You do get a 15% tax rebate. The total premium for the both of them is 2,476. Now are you still happy with that level of cover that you have with one pass with your insurances, or do you wanna make any changes? Or what are your thoughts on it? Still good. Yep. Perfect. And it will cover majority of the mortgage if something were to happen, And then you have your super balance as well. So it would obviously make a big difference financially to clear out, you know, most of the mortgage if something were to happen. Yeah. Now what is the next document you can see there, Evangeline? Can you click next? Yeah. No. That's okay. I was like, I assure you more. No. That's okay. Yes. Yes. Now this one here sometimes looks a little bit messy. But, basically, what it does is it gives us a breakdown of your portfolio and what has happened to the portfolio in the last twelve months. Now, obviously, the last twelve months, I'm sure you would have seen on the news or heard that, obviously, it's been a little bit turbulent in the market because we had everything going on in The US first. So, obviously, with Trump and tariffs and everything, you see a bit of fluctuation in the market. But, obviously, more recently, we had, you know, the war going on as well. So that has seen a bit of fluctuation to the market. So it's been a little bit turbulent. But in saying that, though, your portfolio overall has still done pretty good given what has happened in the market. And that's also because it is very diversified. So at the moment, in just a twelve month period now this is all after fees as well. So after all fees have come out of your account, the portfolio has still gone up by about 6.29%, which we're pretty happy with given what has happened in the market. Does that make sense, Evangeline? Yeah. Yes. Yes. Mhmm. Let me have a quick look for you. Yes. Yeah. Exactly. Yeah. So 2025 in so in January, and then, obviously, it takes a little bit to get everything set up and and money to be rolled over and everything. So so, yeah, just a little bit over a year, and it's done a pretty pretty good growth since then, again, given the market conditions in the last twelve months. So, yeah, we're we're quite happy with that. Yeah. Any questions? No? Perfect. Yeah. Now there is one investment that I would like to look at changing for you. Now so with your investments in hub twenty four, obviously, we invest in the long term. So we don't wanna just, like, buy and sell different things. We invest in the long term for your retirement. But at the same time, we want to be proactive that if there are, obviously, market changes and depending on what's happening, we wanna stay on top of everything. And if we foresee one investment underperforming a little bit to what we were expecting or not doing as well as we would like, we also want to look at potentially changing it for another better option for you. So the good thing with hub twenty four is that there's hundreds of different options for us to choose from in making sure that we always have you in the best options possible for your retirement. So one of your investments, it's called Benelung Australian Equity that you have in your portfolio at the moment. That one has underperformed a little bit. So the investment committee do a lot of research on the investments to tryna find the best option, and we have found one that we would like to change it to if you are okay with it. So the Benelon that you currently have in your portfolio, it is an Australian investment, so they invest in the Australian market. And they're kind of trying to buy and sell investments pretty quickly to try to outperform the market. And they have been really good, but recently, they've been a little bit slower in those choices. So the investment committee have found a similar option. So in getting investing in the Australian market, because if we take one Australian investment out, we wanna make sure we still keep some Australian exposure through you. So we wanna make sure it's very diversified. So one investment they have found, it's one that's called beta shares a 200. Now, basically, what that is is that it invests in the 200 largest companies in Australia. They're obviously very diversified because it's not just in one company. You're actually invested in 200 companies. So if something were to happen to one company, it's not gonna impact everything because you do have 200 companies in that option. Does that make sense so far, Angeline? Yes. Yes. Perfect. So you will have all the big companies like their banks and BHP and Woolworths. So very diversified. Now what we have found with this option instead of Benelon is that it is a bit cheaper because instead of doing that kind of buying and selling quickly, it just tracks those 200 largest companies. So it's a little bit more simplified in that way. So it is a bit cheaper, which we'll obviously see their fees being reduced a little bit, which is great because that means they're gonna have more money in super. This also performed a little bit better as well. So if you are happy for us to do that, we would like to look at changing the bend along or this a 200 option if you are okay with that. Yeah. Perfect. Yeah. Now what I will do just for your information, you don't have to sign it or anything like that, but I will email you probably in the next couple of days. It is called a record of advice. It is just so that you have in writing as well that they change. So just from Benelon to 8200. Like I said, you don't need to change it or you don't need to sign it or anything, but it's just there for your reference so that you know. Does that make sense? Yeah. Perfect. Now not too many other documents to go, but what is the next one? If you press next for me, what can you see? Yep. So that one here, it basically just breaks down your insurances again, but in a little bit more information. But let's see if that's all paid and up to date, essentially. Yep. And if you click next for me. Yes. No. I've never seen something like this before. Okay. No. So, basically, what it is is it shows us the different asset classes in the market and how they've moved over time. But for example, it's it's it's a good visual representation of what we are talking about when we are talking about the market because it shows you all the ups and downs of the market. Now this one here goes all the way back from 1995 through to 2025. And then you have all the different kind of major events that happen in the world, and that you can then see kind of correlate sometimes with those kind of up and down movement. Now you can see that some obviously fluctuate and grow a lot more than others. So Yes. Exactly. You actually have you actually have quite quite a bit in this. We don't want everything, obviously, because you don't want everything in in one section, but you do have quite a bit still in The US market, which is great. So, basically, with your portfolio, we have a lot of different risk profiles to match both how you feel about fluctuations, but also how much time you have in the market. So at the moment, we have you invested in a high growth portfolio. Do you remember what a high growth investor, what it means at all? Yeah. Yeah. So, basically, it tells me simply that you are wanting to grow your super as much as possible before retirement while you still have, you know, plenty of time until you decide to retire, but also that you understand that there will be some of these ups and downs market fluctuations in the short term for it. So when we are then looking at how your money is invested currently in a high growth portfolio, we see 90% in what we call your growth assets. Now this is a combination of the top four. So that includes US shares, which you can see grow the most, but also fluctuates. You can then see the kind of darker green line, which is your Australian share. You also have yellow, which is your international share, and your property, that kind of maroon color. So you have majority of your money combined in those top four, which is to obviously grow that super for you while you still have plenty of time. But then we but then we also want a little bit of that defensive to limit fluctuations a little bit, but not too much. So we have about 10% in those bottom three. Limit fluctuations to stabilize things a little bit when there are fluctuations. But, again, that's just kind of about 10%. Majority is in those top to grow that super. Now what we also factor in is time. Because you can obviously see here that if you were to be retiring tomorrow, we might wanna look at reducing the risk exposure so it's not like a big drop at the time. While you still have time for retirement, you can take advantage of this little up and down to grow it. So in a high growth portfolio, we ideally like to see about eight years till retirement, making sure you have enough time for these ups and downs. What you do have at the moment, if you are still kind of comfortable with the way things are going and tracking for you and your current high growth portfolio, Evangeline. Yep. Beautiful. Does this kind of make sense? Like, sometimes it's a bit messy, but I find it's a good way to kind of look at things from a larger scale. Yeah. No. Oh, beautiful. Now if you can press next for me so we're almost at the end. Yes. So you probably split the final last year, but it is just a bit of an updated version. So this is our financial services guide, and it just gives you all the important information in regards to us here at Oakview. None of the important information has changed. But we've had a bit of an extension to the team, which is good, and also a bit of an updated marketing to what you potentially saw last year. But if you scroll through, you will see as you go through and I'll let you have a read over this in your own time so I don't keep you for too long. You will see all the directors and our advisers. And if you want to scroll down to page 10, you will actually see a photo of myself. And sometimes it's nice to put a face to the voice. Yes. Page 10. No. Oh, so you've scrolled one page too far. So go up one page. Yeah. That's me. Oh, thank you. And sometimes, yeah, sometimes it's nice to see, especially as we're doing things over the phone. It's nice to see, you know, who who you're talking to as well, make it a bit more personal. Yeah. No. That's okay. Yes. Oh, thank you. Yes. Yeah. Yeah. Yes. And that's so good because, yeah, you work hard. You wanna make sure that your hard work is doing the right thing and that, you know, when you do retire, you can live comfortably. So that's really good, and that's what we're here to do. And also help educate you and make you make the best decisions for yourself at the end of the day. Yeah. No. That's okay. Now the next two documents, it will ask you to add a little signature if you are happy to do so. So if you press next for me, you should have the first one first where it says hub 24 consent to new ongoing fee. Can you see that one? Yes. Yep. So this one here basically says that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. Because Steven is a client as well, you guys are both on a reduced fee, which is good. So that stays exactly the same at 1.1% from. So no changes or increases at all in regards to that fee structure, and it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, by signing this document, it allows us to manage and service your account and your investments and everything for you in the meantime. Thank you. So it will ask mhmm. Yep. Yes. Sorry. It will ask you to draw, scribble a little signature. If it take you to next, can you see the is this a tax file number option to provide tax fund number? Yep. So that probably yep. Yes. So this is just just a compliance form, but it just says that we are keeping a tax fund number secure and safe on file. Yes. Yes. Yes. Yes. Correct. Yes. Yes. I will get my team, so I will get my team to email, both of you. So I will get my team. It will be my colleague, Whitlam, who you will get the email from, And I will let him know to send email you those beneficiary forms as soon as possible so that you have them so we can get that sorted, and then send another one for for both of you with the lawyer information. So, again, you have pricing and everything. If you guys do decide, that is something you wanna have a look at. Yeah. Yeah. And then yeah. That's what we're here to do. And, you know, if at any point in time you need anything, don't hesitate to give us a call or or send me an email. You can do it whenever you want to. It doesn't have to be under review time. So if there's anything you need, just don't hesitate to give us a call. Okay? Yeah. No problem. Well, I will let you go and enjoy the rest of your afternoon unless you have any other questions for me. And it was lovely speaking with you today. Mhmm. Yes. Yep. I have seen it's all been signed. And if you ever wanna go back and have a read over them, it is saved there for you if you ever go back into the email. If you have any issues, though, you can just email me or give us a call because we always keep all the copies on file if you do wanna go back and have a look at them at any point in time as well. Yep. No. No. No problem. I look forward to speaking with you soon again, and I hope you enjoy the rest of your afternoon. Thanks. 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afternoon. This is Veronica from Financial. How are you? That's good. I had to book in to go over your annual review.\n\nIs now still a good time for you? Yes. No. That's okay. 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\nYes. Correct. And it's Veronica. Yes. Now I also just need to confirm that I am speaking with the right person just for security purposes.\n\nSo could I just get you to confirm your full name, date of birth, and address for me, please? Perfect. That's exactly what I have here. How's your day been? Been busy?\n\nYeah. Well, I will try not to keep you for too long. But before I do jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of their review today or any particular questions or just a kind of a bit of an update and see what kind of everything is up to? Yeah. Okay.\n\nBeautiful. Now what I will do first is just go through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life. If we need to make any changes to your advice. So just kind of bear with me as I go through this information that I have here. Now when it comes to your personal information, I have you down here that you are in a de facto relationship and that you have a financial dependent at home.\n\nIs that still correct? Yep. Perfect. And next up, Ken, I have see the nominator. That's also correct?\n\nPerfect. Now when it comes to your occupation, has any of that changed, or are you still at the the same place doing, like, the factory worker? Yep. And you're still enjoying it? Yeah.\n\nPerfect. And what is your income at the moment? Do you know? Mhmm. How much?\n\nSorry. 900 and yes. Yep. Sorry. I lost you there.\n\nHow much did you say per week? Yep. Sure. That's okay. Mhmm.\n\nOkay. Okay. So 9 and does it have how much do you get paid into your bank account, like, after tax? Mhmm. Okay.\n\nOkay. No. That makes sense. So between that $9.55 and about 1,000 depending on over time, and that was after tax. Correct?\n\nDid you say? Yes. Yes. Perfect. And how much are you salary sacrificing regularly again?\n\nIs it staying the same? Yep. Perfect. And your employer, they still pay you that standard 12% contribution. There's no, like, enterprise bargain agreement or anything like that in place just like the standard rule still.\n\nThey have they used to be. So they have changed the legislation. So the minimum that an employer has to do now is 12 percent. It used to be 11, and then it went to 11.5. And now with the current legislation, they have to do 12% minimum.\n\nYeah. Have a look. Yeah. So because they because with the legislation change, they they legally have to. So they would probably just start doing that automatically, but I can have a bit of a look in the account for you afterwards just to make sure that kind of all matches up through the income that you told me.\n\nBut but, yeah, it is the minimum is 12% now, but I can triple check that in the back end for you. Yeah. Yeah. I can actually see if I can go into your account now and have a bit of a look if it changes. Just bear with me.\n\nPerfect. Let me have a look into your account. Okay. Let me have a look here for you. Yeah.\n\nUsually, they don't. Some do, but usually, it's just like the the minimum legal is 12. So I can see here that on the July 2, they paid you had your $50 salary sacrifice, I can see, And then they also put in a $124.32. Now let me just check the when the last one was just so that I can check if that's pretty consistent. And yeah.\n\nSo you must have done maybe a bit of overtime because then I can see on the June 30, that was one for $200 and $449. And then they must do it a little bit more sporadically because then I can see that after June, they did it three weeks earlier. That was on the May 18, and that was 630 and then 250. That must have been the salary sacrifice. So it seems like it comes in a little bit different times.\n\nBecause in April, you had a 200, so they did a monthly for you there, and then 456. So it seems like it varies a bit. 472. Correct. That is correct.\n\nYes. So before that, they only had to do it once a quarter at a minimum, which is probably why sometimes they did it a little bit random times. But, yes, you are correct. So now you should see it. And do you get paid weekly?\n\nYeah. So then we should see that coming in now at weekly, which is probably why the the amount last was weak. So, yes, that would also be good because then you have the money dropping in sooner, which means that it will be invested and compounding quicker for you as well. So that's good. Yes.\n\nSo if I use the 124, so just the most 8¢, and I use your income of $9.05 4, it's about 12.9. So with overtime and stuff like that, it looks like it's pretty pretty much on that 12%, which is good. So not 11%. So you'll be that standard 12%, which is good. Yeah.\n\nThat's great. Yes. I can imagine. Yeah. Well, at least now you're getting a little bit more for it, so that's good.\n\nSo then when you do retire, you should have a little bit more, so that's perfect. And, otherwise, when it comes to your assets, do you own a motor vehicle or or renting, or what kind of your situation like when you with your assets and stuff? Mhmm. Mhmm. Oh, yeah.\n\nYep. Perfect. And do you know how much the total loan is? Mhmm. Mhmm.\n\nYeah. Around that. And do you know how much the car is valued at? Like, if you were to, let's say, sell it tomorrow, how much do you think it'll be worth, or how much do you buy it for? No.\n\nYes. Okay. Perfect. So that's that. Perfect.\n\nAny other assets? No. Perfect. And any liabilities, like personal loans or credit card or ZipPay? Mhmm.\n\nOkay. Perfect. Anything else? Yeah. Actually, now I don't how much is on the mortgage?\n\nDo you know? Roughly? Mhmm. About $4.50. Perfect.\n\nAnd how much do you think the property is worth if you were to sell it? Mhmm. Mhmm. Oh, that's nice. Around that, it's still you still have more in the house than you are, which is good.\n\nHopefully not. Yeah. That's for it. Yeah. Just take it especially with all the prices and everything nowadays too.\n\nIt's like, take it as it comes. And if you're you're working hard, which you are, and, you know, putting extra to see for and doing everything to try to, you know, make for time and as comfortable as possible, and and that's really good. Yes. Exactly. Yeah.\n\nAnd at least you're paying your own mortgage. So, you know, whereas if you rent renting it to someone else, at least you're paying your own. Now when it comes to health and lifestyle, are you a smoker or a nonsmoker? Nonsmoker. Perfect.\n\nAnd have you had any changes to your health in the last twelve months? Any significant injuries or illnesses or anything? No. Yeah. Just general aches and pikes, or is there anything more or is this, like, general just that comes?\n\nYeah. Yes. Yes. Yeah. Okay.\n\nOkay. Perfect. Now do you guys still have the investment property as well? Yep. Mhmm.\n\nOkay. Okay. Okay. So do you still have that one investment property, or did you guys sell it to do some renovations, did you say? Okay.\n\nYes. Yes. Okay. Perfect. That's good.\n\nNow when it comes to estate planning, do you have a will in place or a power of attorney or anything like that? No. No. That's okay. Yeah.\n\nSo kind of now do you know someone local that you could speak to, or would you like us to send you some information on a firm that we work closely with with some prices so you have it if you do wanna look at potentially getting it done at some point? Yep. Yes. No. Yes.\n\nYeah. Yeah. Yeah. Yeah. So what I can do is I can just send I'll get my team to just email both of you, and it will just have the lawyer information.\n\nNo obligation, obviously, but that way, you have some information in regards to, like, a will. There's also some pricing, and then you guys can obviously have a discussion whenever you're at the moment. If you wanna speak to them, there's all their contact details or everything. Or if you don't decide to, well, at least you have the information and a comparison for pricing for you as well. Yeah.\n\nPerfect. Now with estate planning as well, I can see here that with your insurance and in your hub 24 for your super account, we don't currently have a nomination on file if something were to happen to you. So do you remember receiving a post with some beneficiary forms to complete? Do you remember receiving that? Do you do you remember when?\n\nRoughly? Mhmm. Mhmm. No. I can't see it here.\n\nBut what I will do, I will go triple check with the team, but having a look at the system. Sometimes Australia post often it it gets here, especially obviously from from WA. Now do you have access to a printer or not really? Okay. So what I can do is I will get the team to triple check if it's in the mail somewhere.\n\nBut if you did it a little while ago, we should have got it by now. But I will triple check for you. And if we don't have it, just so you don't have to complete it again, what I will do is I will get the team to email you the forms. That way you have it in your inbox. You can just print it, complete it, and email it back, and then we know for sure that it comes back to us and not, like, lost in the post or something.\n\nYeah. You can actually get it witnessed by anybody. So as long as it's not the person you nominate. So say, for example, you wanna give it to Steven. Now he can't be a witness and you can't be a witness, but let's say you have two neighbors, they can witness it.\n\nIt doesn't have to be a just as a piece. It just has to be someone to witness when you you do it, and it just can't be the person you are actually nominating. But, otherwise, it can be a neighbor or a friend or family member. That's perfectly fine. Just anybody.\n\nThey just have to do it together. The two people at the same time. Yeah. But that makes it easier. You don't have to go to justice of peace.\n\nIt can be anybody just to witness. Oh, yeah. Yes. Yes. That's that's a little bit frustrating for you.\n\nBut yeah. No. I can't see anything here, but like I said, I'll double check with the team. And if we we don't have it, which it doesn't look like, but I will double check, I'll get them to email it to you. So that way, you don't have to like, it doesn't get lost again or something like that, and it would directly come back through us.\n\nAnd, yes, it doesn't have to be just as a piece. It can be anybody because that's a bit hard sometimes to find the time to actually go and see them. So that can be anyone. It can be any any family members or anything. Just not the person you wanna give it to.\n\nYeah. No. That's okay. Now, otherwise, during the annual reviews, what is usually a good thing to do is just to kind of check-in to see what your goals were last year when we spoke to you, if it's changed or how you went with it, and potentially setting some goals for the next couple of years. So when you had your interview last, you spoke to my colleague, Dana.\n\nAnd I can see here that your main focus at this time was to buy a new car, which it did, so that's good. Is there anything that you you or both of you are working towards financially or nonfinancially in the next couple of years? So is it just to kinda focus on getting through everything, or is there anything specific that you guys are working towards? Yep. Yeah.\n\nYeah. Yep. Yep. Yeah. And how old is she now?\n\nYeah. Yeah. Beautiful. Perfect. And then after obviously, there's still still a little bit to go, and then after that, maybe look at something else.\n\nBut, yeah, obviously, that's very important when it comes to school. So that that's a good thing that you guys are working towards. And yeah. Where would you go? Yeah.\n\nYeah. Yes. Yeah. Oh, beautiful. That's yeah.\n\nA bit a bit closer. Oh, yeah. Yes. Yes. Yes.\n\nYes. No. Very expensive. No. Well, that's beautiful.\n\nYeah. Yep. No. That is good. And when it comes to your superannuation, I have here that, ideally, you would like to retire or stop working at 63.\n\nIs that still kind of the plan, do you think, or when do you think you would like to retire or start drawing an income from your superannuation? Mhmm. Yep. Mhmm. Yep.\n\nYep. Perfect. So it just depends, but, no, that's good. Yeah. Most a lot of people are the same.\n\nJust wanna have something to do and mentally stimulating and everything like that as well. Yes. Yes. Exactly. Mhmm.\n\nAnd, ideally so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,000 per week. Now do you still think that's, would cover living costs and retirement, or do you think you'd need a little bit more per week? Might be a little bit hard to tell, but do you think roughly? Yeah. So maybe more like 1,500 potentially will give you a little bit more of a buffer.\n\nYeah. Yeah. Yes. Yes. Yeah.\n\nYeah. Yes. And and that's just the yeah. That's the thing. And that's just kind of a good goal as well.\n\nSo, obviously, we're trying to get you as much as we can before retirement. But even if we're kind of aiming for about 15 100, at least it gives you a little bit more of a buffer so you don't have to, you know, budget as hard than around a thousand. Yeah. Yeah. Yeah.\n\nYeah. Exactly. Who knows? Okay. Perfect.\n\nNow do you have access to your emails at the moment? Oh, not really. Okay. So what I have done is I have to send you an email with some documents to go through, and it just makes it a little bit easier for you if you can actually see them at the same time. But if you could go into your emails for me, you should have a email there.\n\nAnd it could sometimes end up in spam folder as well because we have changed to a new software. So there should be yeah. It should be an email where it says, oh, if you financial request signature, signature request or something like that. Nothing? And nothing in spam either?\n\nYes. That's the one. Now, usually, it will ask you to click on the link first. Now it won't get it. Okay.\n\nBecause it won't get you to sign right away. It will allow you to look at everything first. Make sure you are happy before it'll ask you to sign anything. Yep. Yes.\n\nCan you click on that? Is there, like, a link? Yes. Okay. Try to click on that one for me.\n\nYes. Yes. Okay. Yes. Beautiful.\n\nNow can you click on the which one is the first document that you can see? And we'll just do it in the order that you can see to make it easier. What's the first thing you can see? No. That's okay.\n\nSo when you open the document, what is the first document that you can see? What's it called? Is that super insurance summary? Yes. Perfect.\n\nYes. Alright. This is the one where we start. So if you have a look at this one, you can see that you have your super with hub 24, and you do have about a $116,700 in there. Now underneath it, you should see your one path insurance, and you have life and total permanent disability insurance if something were to happen.\n\nAnd that would pay out 367,500 for both of them. And they are paid from within Hub 24, so you don't pay for anything out of pocket. You do get a 15% tax rebate. The total premium for the both of them is 2,476. Now are you still happy with that level of cover that you have with one pass with your insurances, or do you wanna make any changes?\n\nOr what are your thoughts on it? Still good. Yep. Perfect. And it will cover majority of the mortgage if something were to happen, And then you have your super balance as well.\n\nSo it would obviously make a big difference financially to clear out, you know, most of the mortgage if something were to happen. Yeah. Now what is the next document you can see there, Evangeline? Can you click next? Yeah.\n\nNo. That's okay. I was like, I assure you more. No. That's okay.\n\nYes. Yes. Now this one here sometimes looks a little bit messy. But, basically, what it does is it gives us a breakdown of your portfolio and what has happened to the portfolio in the last twelve months. Now, obviously, the last twelve months, I'm sure you would have seen on the news or heard that, obviously, it's been a little bit turbulent in the market because we had everything going on in The US first.\n\nSo, obviously, with Trump and tariffs and everything, you see a bit of fluctuation in the market. But, obviously, more recently, we had, you know, the war going on as well. So that has seen a bit of fluctuation to the market. So it's been a little bit turbulent. But in saying that, though, your portfolio overall has still done pretty good given what has happened in the market.\n\nAnd that's also because it is very diversified. So at the moment, in just a twelve month period now this is all after fees as well. So after all fees have come out of your account, the portfolio has still gone up by about 6.29%, which we're pretty happy with given what has happened in the market. Does that make sense, Evangeline? Yeah.\n\nYes. Yes. Mhmm. Let me have a quick look for you. Yes.\n\nYeah. Exactly. Yeah. So 2025 in so in January, and then, obviously, it takes a little bit to get everything set up and and money to be rolled over and everything. So so, yeah, just a little bit over a year, and it's done a pretty pretty good growth since then, again, given the market conditions in the last twelve months.\n\nSo, yeah, we're we're quite happy with that. Yeah. Any questions? No? Perfect.\n\nYeah. Now there is one investment that I would like to look at changing for you. Now so with your investments in hub twenty four, obviously, we invest in the long term. So we don't wanna just, like, buy and sell different things. We invest in the long term for your retirement.\n\nBut at the same time, we want to be proactive that if there are, obviously, market changes and depending on what's happening, we wanna stay on top of everything. And if we foresee one investment underperforming a little bit to what we were expecting or not doing as well as we would like, we also want to look at potentially changing it for another better option for you. So the good thing with hub twenty four is that there's hundreds of different options for us to choose from in making sure that we always have you in the best options possible for your retirement. So one of your investments, it's called Benelung Australian Equity that you have in your portfolio at the moment. That one has underperformed a little bit.\n\nSo the investment committee do a lot of research on the investments to tryna find the best option, and we have found one that we would like to change it to if you are okay with it. So the Benelon that you currently have in your portfolio, it is an Australian investment, so they invest in the Australian market. And they're kind of trying to buy and sell investments pretty quickly to try to outperform the market. And they have been really good, but recently, they've been a little bit slower in those choices. So the investment committee have found a similar option.\n\nSo in getting investing in the Australian market, because if we take one Australian investment out, we wanna make sure we still keep some Australian exposure through you. So we wanna make sure it's very diversified. So one investment they have found, it's one that's called beta shares a 200. Now, basically, what that is is that it invests in the 200 largest companies in Australia. They're obviously very diversified because it's not just in one company.\n\nYou're actually invested in 200 companies. So if something were to happen to one company, it's not gonna impact everything because you do have 200 companies in that option. Does that make sense so far, Angeline? Yes. Yes.\n\nPerfect. So you will have all the big companies like their banks and BHP and Woolworths. So very diversified. Now what we have found with this option instead of Benelon is that it is a bit cheaper because instead of doing that kind of buying and selling quickly, it just tracks those 200 largest companies. So it's a little bit more simplified in that way.\n\nSo it is a bit cheaper, which we'll obviously see their fees being reduced a little bit, which is great because that means they're gonna have more money in super. This also performed a little bit better as well. So if you are happy for us to do that, we would like to look at changing the bend along or this a 200 option if you are okay with that. Yeah. Perfect.\n\nYeah. Now what I will do just for your information, you don't have to sign it or anything like that, but I will email you probably in the next couple of days. It is called a record of advice. It is just so that you have in writing as well that they change. So just from Benelon to 8200.\n\nLike I said, you don't need to change it or you don't need to sign it or anything, but it's just there for your reference so that you know. Does that make sense? Yeah. Perfect. Now not too many other documents to go, but what is the next one?\n\nIf you press next for me, what can you see? Yep. So that one here, it basically just breaks down your insurances again, but in a little bit more information. But let's see if that's all paid and up to date, essentially. Yep.\n\nAnd if you click next for me. Yes. No. I've never seen something like this before. Okay.\n\nNo. So, basically, what it is is it shows us the different asset classes in the market and how they've moved over time. But for example, it's it's it's a good visual representation of what we are talking about when we are talking about the market because it shows you all the ups and downs of the market. Now this one here goes all the way back from 1995 through to 2025. And then you have all the different kind of major events that happen in the world, and that you can then see kind of correlate sometimes with those kind of up and down movement.\n\nNow you can see that some obviously fluctuate and grow a lot more than others. So Yes. Exactly. You actually have you actually have quite quite a bit in this. We don't want everything, obviously, because you don't want everything in in one section, but you do have quite a bit still in The US market, which is great.\n\nSo, basically, with your portfolio, we have a lot of different risk profiles to match both how you feel about fluctuations, but also how much time you have in the market. So at the moment, we have you invested in a high growth portfolio. Do you remember what a high growth investor, what it means at all? Yeah. Yeah.\n\nSo, basically, it tells me simply that you are wanting to grow your super as much as possible before retirement while you still have, you know, plenty of time until you decide to retire, but also that you understand that there will be some of these ups and downs market fluctuations in the short term for it. So when we are then looking at how your money is invested currently in a high growth portfolio, we see 90% in what we call your growth assets. Now this is a combination of the top four. So that includes US shares, which you can see grow the most, but also fluctuates. You can then see the kind of darker green line, which is your Australian share.\n\nYou also have yellow, which is your international share, and your property, that kind of maroon color. So you have majority of your money combined in those top four, which is to obviously grow that super for you while you still have plenty of time. But then we but then we also want a little bit of that defensive to limit fluctuations a little bit, but not too much. So we have about 10% in those bottom three. Limit fluctuations to stabilize things a little bit when there are fluctuations.\n\nBut, again, that's just kind of about 10%. Majority is in those top to grow that super. Now what we also factor in is time. Because you can obviously see here that if you were to be retiring tomorrow, we might wanna look at reducing the risk exposure so it's not like a big drop at the time. While you still have time for retirement, you can take advantage of this little up and down to grow it.\n\nSo in a high growth portfolio, we ideally like to see about eight years till retirement, making sure you have enough time for these ups and downs. What you do have at the moment, if you are still kind of comfortable with the way things are going and tracking for you and your current high growth portfolio, Evangeline. Yep. Beautiful. Does this kind of make sense?\n\nLike, sometimes it's a bit messy, but I find it's a good way to kind of look at things from a larger scale. Yeah. No. Oh, beautiful. Now if you can press next for me so we're almost at the end.\n\nYes. So you probably split the final last year, but it is just a bit of an updated version. So this is our financial services guide, and it just gives you all the important information in regards to us here at Oakview. None of the important information has changed. But we've had a bit of an extension to the team, which is good, and also a bit of an updated marketing to what you potentially saw last year.\n\nBut if you scroll through, you will see as you go through and I'll let you have a read over this in your own time so I don't keep you for too long. You will see all the directors and our advisers. And if you want to scroll down to page 10, you will actually see a photo of myself. And sometimes it's nice to put a face to the voice. Yes.\n\nPage 10. No. Oh, so you've scrolled one page too far. So go up one page. Yeah.\n\nThat's me. Oh, thank you. And sometimes, yeah, sometimes it's nice to see, especially as we're doing things over the phone. It's nice to see, you know, who who you're talking to as well, make it a bit more personal. Yeah.\n\nNo. That's okay. Yes. Oh, thank you. Yes.\n\nYeah. Yeah. Yes. And that's so good because, yeah, you work hard. You wanna make sure that your hard work is doing the right thing and that, you know, when you do retire, you can live comfortably.\n\nSo that's really good, and that's what we're here to do. And also help educate you and make you make the best decisions for yourself at the end of the day. Yeah. No. That's okay.\n\nNow the next two documents, it will ask you to add a little signature if you are happy to do so. So if you press next for me, you should have the first one first where it says hub 24 consent to new ongoing fee. Can you see that one? Yes. Yep.\n\nSo this one here basically says that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. Because Steven is a client as well, you guys are both on a reduced fee, which is good. So that stays exactly the same at 1.1% from. So no changes or increases at all in regards to that fee structure, and it is also not a lock in contract.\n\nSo if at any point in time you are not happy, it is not a lock in contract. But, otherwise, by signing this document, it allows us to manage and service your account and your investments and everything for you in the meantime. Thank you. So it will ask mhmm. Yep.\n\nYes. Sorry. It will ask you to draw, scribble a little signature. If it take you to next, can you see the is this a tax file number option to provide tax fund number? Yep.\n\nSo that probably yep. Yes. So this is just just a compliance form, but it just says that we are keeping a tax fund number secure and safe on file. Yes. Yes.\n\nYes. Yes. Correct. Yes. Yes.\n\nI will get my team, so I will get my team to email, both of you. So I will get my team. It will be my colleague, Whitlam, who you will get the email from, And I will let him know to send email you those beneficiary forms as soon as possible so that you have them so we can get that sorted, and then send another one for for both of you with the lawyer information. So, again, you have pricing and everything. If you guys do decide, that is something you wanna have a look at.\n\nYeah. Yeah. And then yeah. That's what we're here to do. And, you know, if at any point in time you need anything, don't hesitate to give us a call or or send me an email.\n\nYou can do it whenever you want to. It doesn't have to be under review time. So if there's anything you need, just don't hesitate to give us a call. Okay? Yeah.\n\nNo problem. Well, I will let you go and enjoy the rest of your afternoon unless you have any other questions for me. And it was lovely speaking with you today. Mhmm. Yes.\n\nYep. I have seen it's all been signed. And if you ever wanna go back and have a read over them, it is saved there for you if you ever go back into the email. If you have any issues, though, you can just email me or give us a call because we always keep all the copies on file if you do wanna go back and have a look at them at any point in time as well. Yep.\n\nNo. No. No problem. I look forward to speaking with you soon again, and I hope you enjoy the rest of your afternoon. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.1599998,"sentiment":"positive","sentiment_score":0.40044738352298737},{"text":"This is Veronica from Financial.","start":2.1599998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.30625343322753906},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.2314485361178716},{"text":"That's good.","start":8.4,"end":9.3,"sentiment":"positive","sentiment_score":0.7546904683113098},{"text":"I had to book in to go over your annual review.","start":10.16,"end":13.04,"sentiment":"positive","sentiment_score":0.4090398008173162}],"sentiment":"positive","sentiment_score":0.3928402733543645,"num_words":23,"start":1.4399999,"end":13.04},{"sentences":[{"text":"Is now still a good time for you?","start":13.04,"end":14.82,"sentiment":"neutral","sentiment_score":0.32742735743522644},{"text":"Yes.","start":17.135,"end":17.635,"sentiment":"neutral","sentiment_score":0.15440644323825836},{"text":"No.","start":18.335001,"end":18.655,"sentiment":"neutral","sentiment_score":-0.04155460745096207},{"text":"That's okay.","start":18.655,"end":19.475,"sentiment":"neutral","sentiment_score":-0.0010203346610069275},{"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":20.335001,"end":30.035,"sentiment":"neutral","sentiment_score":0.0058051973821655395}],"sentiment":"neutral","sentiment_score":0.06767886383242386,"num_words":43,"start":13.04,"end":30.035},{"sentences":[{"text":"Yes.","start":31.58,"end":32.08,"sentiment":"neutral","sentiment_score":0.0034453156404197216},{"text":"Correct.","start":34.379997,"end":34.78,"sentiment":"neutral","sentiment_score":0.04354261979460716},{"text":"And it's Veronica.","start":34.78,"end":35.76,"sentiment":"neutral","sentiment_score":0.02944900592168172},{"text":"Yes.","start":37.739998,"end":38.239998,"sentiment":"neutral","sentiment_score":0.047317273914813995},{"text":"Now I also just need to confirm that I am speaking with the right person just for security purposes.","start":39.42,"end":45.835003,"sentiment":"neutral","sentiment_score":0.026814044698288565}],"sentiment":"neutral","sentiment_score":0.027684763055294753,"num_words":25,"start":31.58,"end":45.835003},{"sentences":[{"text":"So could I just get you to confirm your full name, date of birth, and address for me, please?","start":46.775,"end":52.795002,"sentiment":"neutral","sentiment_score":0.03813895151803368},{"text":"Perfect.","start":64.79,"end":65.270004,"sentiment":"positive","sentiment_score":0.40366730093955994},{"text":"That's exactly what I have here.","start":65.270004,"end":67.03,"sentiment":"positive","sentiment_score":0.5146068086226782},{"text":"How's your day been?","start":67.03,"end":68.07,"sentiment":"neutral","sentiment_score":0.17656228691339493},{"text":"Been busy?","start":68.07,"end":68.81,"sentiment":"neutral","sentiment_score":-0.0020108986645936966}],"sentiment":"neutral","sentiment_score":0.15369298693258315,"num_words":32,"start":46.775,"end":68.81},{"sentences":[{"text":"Yeah.","start":70.525,"end":71.025,"sentiment":"neutral","sentiment_score":0.0773099809885025},{"text":"Well, I will try not to keep you for too long.","start":71.805,"end":74.545,"sentiment":"neutral","sentiment_score":0.013778322799639269},{"text":"But before I do jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of their review today or any particular questions or just a kind of a bit of an update and see what kind of everything is up to?","start":76.365,"end":91.33,"sentiment":"neutral","sentiment_score":0.033280805159698834},{"text":"Yeah.","start":96.125,"end":96.365,"sentiment":"neutral","sentiment_score":0.09212984144687653},{"text":"Okay.","start":96.365,"end":96.845,"sentiment":"neutral","sentiment_score":0.2429695725440979}],"sentiment":"neutral","sentiment_score":0.034701669993607895,"num_words":69,"start":70.525,"end":96.845},{"sentences":[{"text":"Beautiful.","start":96.845,"end":97.345,"sentiment":"positive","sentiment_score":0.41488778591156006},{"text":"Now what I will do first is just go through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life.","start":97.884995,"end":106.784996,"sentiment":"neutral","sentiment_score":0.07375172668081872},{"text":"If we need to make any changes to your advice.","start":107.200005,"end":110.74,"sentiment":"neutral","sentiment_score":0.01720695272088051},{"text":"So just kind of bear with me as I go through this information that I have here.","start":110.88,"end":114.98,"sentiment":"neutral","sentiment_score":0.05406046549186987},{"text":"Now when it comes to your personal information, I have you down here that you are in a de facto relationship and that you have a financial dependent at home.","start":116.0,"end":126.895,"sentiment":"neutral","sentiment_score":0.01983774888018767}],"sentiment":"neutral","sentiment_score":0.05009430869603935,"num_words":92,"start":96.845,"end":126.895},{"sentences":[{"text":"Is that still correct?","start":126.895,"end":128.035,"sentiment":"neutral","sentiment_score":0.028795018792152405},{"text":"Yep.","start":129.455,"end":129.855,"sentiment":"neutral","sentiment_score":0.12535782158374786},{"text":"Perfect.","start":129.855,"end":130.355,"sentiment":"neutral","sentiment_score":0.3111635446548462},{"text":"And next up, Ken, I have see the nominator.","start":130.735,"end":133.715,"sentiment":"neutral","sentiment_score":0.16037222743034363},{"text":"That's also correct?","start":133.855,"end":134.88,"sentiment":"neutral","sentiment_score":0.1322768653432528}],"sentiment":"neutral","sentiment_score":0.13288233801722527,"num_words":18,"start":126.895,"end":134.88},{"sentences":[{"text":"Perfect.","start":136.8,"end":137.3,"sentiment":"neutral","sentiment_score":0.009741769172251225},{"text":"Now when it comes to your occupation, has any of that changed, or are you still at the the same place doing, like, the factory worker?","start":137.92,"end":147.46,"sentiment":"neutral","sentiment_score":0.0031595818805866516},{"text":"Yep.","start":149.385,"end":149.705,"sentiment":"neutral","sentiment_score":0.23114894330501556},{"text":"And you're still enjoying it?","start":149.705,"end":151.485,"sentiment":"positive","sentiment_score":0.4426929414272308},{"text":"Yeah.","start":153.145,"end":153.645,"sentiment":"neutral","sentiment_score":0.24219946563243863}],"sentiment":"neutral","sentiment_score":0.08172658865120919,"num_words":34,"start":136.8,"end":153.645},{"sentences":[{"text":"Perfect.","start":154.66501,"end":155.16501,"sentiment":"positive","sentiment_score":0.5379948616027832},{"text":"And what is your income at the moment?","start":156.025,"end":158.425,"sentiment":"neutral","sentiment_score":0.07007662113755941},{"text":"Do you know?","start":158.425,"end":159.16501,"sentiment":"neutral","sentiment_score":0.0073952941844860716},{"text":"Mhmm.","start":164.84,"end":165.34,"sentiment":"neutral","sentiment_score":0.008653983473777771},{"text":"How much?","start":175.015,"end":175.575,"sentiment":"neutral","sentiment_score":-0.009197103325277567}],"sentiment":"neutral","sentiment_score":0.07407023267199596,"num_words":15,"start":154.66501,"end":175.575},{"sentences":[{"text":"Sorry.","start":175.575,"end":175.735,"sentiment":"neutral","sentiment_score":-0.07153724133968353},{"text":"900 and yes.","start":175.735,"end":180.775,"sentiment":"neutral","sentiment_score":-0.026126999718447525},{"text":"Yep.","start":180.775,"end":181.175,"sentiment":"neutral","sentiment_score":0.0001362028269795701},{"text":"Sorry.","start":181.175,"end":181.575,"sentiment":"neutral","sentiment_score":-0.09733174741268158},{"text":"I lost you there.","start":181.575,"end":182.375,"sentiment":"neutral","sentiment_score":-0.13246471248567104}],"sentiment":"neutral","sentiment_score":-0.07769726350234123,"num_words":10,"start":175.575,"end":182.375},{"sentences":[{"text":"How much did you say per week?","start":182.375,"end":183.995,"sentiment":"neutral","sentiment_score":-0.021745490974613597},{"text":"Yep.","start":191.49,"end":191.99,"sentiment":"neutral","sentiment_score":0.005168008618056774},{"text":"Sure.","start":193.09,"end":193.59,"sentiment":"neutral","sentiment_score":0.0043701548129320145},{"text":"That's okay.","start":201.105,"end":202.005,"sentiment":"neutral","sentiment_score":-0.2999105006456375},{"text":"Mhmm.","start":226.575,"end":227.075,"sentiment":"neutral","sentiment_score":-0.0429963544011116}],"sentiment":"neutral","sentiment_score":-0.06545813575697441,"num_words":12,"start":182.375,"end":227.075},{"sentences":[{"text":"Okay.","start":236.03,"end":236.53,"sentiment":"neutral","sentiment_score":-0.008126650005578995},{"text":"Okay.","start":245.08499,"end":245.485,"sentiment":"neutral","sentiment_score":0.01042164210230112},{"text":"So 9 and does it have how much do you get paid into your bank account, like, after tax?","start":245.485,"end":253.345,"sentiment":"neutral","sentiment_score":0.0069961858619200555},{"text":"Mhmm.","start":267.66,"end":268.16,"sentiment":"neutral","sentiment_score":-0.015541819855570791},{"text":"Okay.","start":270.155,"end":270.655,"sentiment":"neutral","sentiment_score":-0.002935846336185932}],"sentiment":"neutral","sentiment_score":0.005075863360062889,"num_words":23,"start":236.03,"end":270.655},{"sentences":[{"text":"Okay.","start":272.155,"end":272.655,"sentiment":"neutral","sentiment_score":-0.004249246791005135},{"text":"No.","start":272.795,"end":273.11502,"sentiment":"neutral","sentiment_score":-0.02941487357020378},{"text":"That makes sense.","start":273.11502,"end":274.33502,"sentiment":"neutral","sentiment_score":-0.011502319326003393},{"text":"So between that $9.55 and about 1,000 depending on over time, and that was after tax.","start":274.875,"end":283.27502,"sentiment":"neutral","sentiment_score":-0.028145055403001606},{"text":"Correct?","start":283.27502,"end":283.67502,"sentiment":"neutral","sentiment_score":-0.01326561439782381}],"sentiment":"neutral","sentiment_score":-0.024170799053866755,"num_words":22,"start":272.155,"end":283.67502},{"sentences":[{"text":"Did you say?","start":283.67502,"end":284.495,"sentiment":"neutral","sentiment_score":-0.01805338387688001},{"text":"Yes.","start":286.05,"end":286.55,"sentiment":"neutral","sentiment_score":0.0016511809080839155},{"text":"Yes.","start":290.53,"end":291.03,"sentiment":"neutral","sentiment_score":0.0898289680480957},{"text":"Perfect.","start":291.40997,"end":291.90997,"sentiment":"neutral","sentiment_score":0.20569631457328796},{"text":"And how much are you salary sacrificing regularly again?","start":293.72998,"end":299.33,"sentiment":"neutral","sentiment_score":0.0689511030084557}],"sentiment":"neutral","sentiment_score":0.05757174926499526,"num_words":15,"start":283.67502,"end":299.33},{"sentences":[{"text":"Is it staying the same?","start":299.33,"end":300.725,"sentiment":"neutral","sentiment_score":0.03413346484303474},{"text":"Yep.","start":304.705,"end":305.205,"sentiment":"neutral","sentiment_score":0.22833535075187683},{"text":"Perfect.","start":305.26498,"end":305.76498,"sentiment":"positive","sentiment_score":0.37655866146087646},{"text":"And your employer, they still pay you that standard 12% contribution.","start":306.54498,"end":310.885,"sentiment":"neutral","sentiment_score":0.1894360354000872},{"text":"There's no, like, enterprise bargain agreement or anything like that in place just like the standard rule still.","start":311.76,"end":317.46002,"sentiment":"neutral","sentiment_score":0.09121405643721421}],"sentiment":"neutral","sentiment_score":0.12503363171385395,"num_words":36,"start":299.33,"end":317.46002},{"sentences":[{"text":"They have they used to be.","start":322.80002,"end":325.58502,"sentiment":"neutral","sentiment_score":-0.02134897777189811},{"text":"So they have changed the legislation.","start":325.80502,"end":327.58502,"sentiment":"neutral","sentiment_score":-0.039617942025264107},{"text":"So the minimum that an employer has to do now is 12 percent.","start":327.80502,"end":332.445,"sentiment":"neutral","sentiment_score":-0.02252991167971721},{"text":"It used to be 11, and then it went to 11.5.","start":332.445,"end":335.98502,"sentiment":"neutral","sentiment_score":-0.027076926251704044},{"text":"And now with the current legislation, they have to do 12% minimum.","start":336.125,"end":341.02,"sentiment":"neutral","sentiment_score":-0.026392538488532107}],"sentiment":"neutral","sentiment_score":-0.026525979609383892,"num_words":48,"start":322.80002,"end":341.02},{"sentences":[{"text":"Yeah.","start":347.16,"end":347.66,"sentiment":"neutral","sentiment_score":0.034331850707530975},{"text":"Have a look.","start":347.72,"end":348.53998,"sentiment":"neutral","sentiment_score":0.009984867336849371},{"text":"Yeah.","start":350.44,"end":350.84,"sentiment":"neutral","sentiment_score":0.05731385201215744},{"text":"So because they because with the legislation change, they they legally have to.","start":350.84,"end":355.41998,"sentiment":"neutral","sentiment_score":0.044916464445682674},{"text":"So they would probably just start doing that automatically, but I can have a bit of a look in the account for you afterwards just to make sure that kind of all matches up through the income that you told me.","start":355.575,"end":366.23502,"sentiment":"neutral","sentiment_score":0.10700488254064466}],"sentiment":"neutral","sentiment_score":0.08631719536763632,"num_words":59,"start":347.16,"end":366.23502},{"sentences":[{"text":"But but, yeah, it is the minimum is 12% now, but I can triple check that in the back end for you.","start":367.095,"end":373.33,"sentiment":"neutral","sentiment_score":0.07437420602549207},{"text":"Yeah.","start":375.62997,"end":376.12997,"sentiment":"neutral","sentiment_score":0.1194884330034256},{"text":"Yeah.","start":388.255,"end":388.65503,"sentiment":"neutral","sentiment_score":0.09745868295431136},{"text":"I can actually see if I can go into your account now and have a bit of a look if it changes.","start":388.65503,"end":393.95502,"sentiment":"neutral","sentiment_score":0.08228653432293372},{"text":"Just bear with me.","start":394.815,"end":396.195,"sentiment":"neutral","sentiment_score":0.039678459987044334}],"sentiment":"neutral","sentiment_score":0.07644394487142563,"num_words":50,"start":367.095,"end":396.195},{"sentences":[{"text":"Perfect.","start":405.66,"end":406.16,"sentiment":"positive","sentiment_score":0.4382032752037048},{"text":"Let me have a look into your account.","start":407.82,"end":410.24002,"sentiment":"neutral","sentiment_score":0.10725424624979496},{"text":"Okay.","start":415.995,"end":416.495,"sentiment":"neutral","sentiment_score":0.05600909888744354},{"text":"Let me have a look here for you.","start":416.555,"end":418.57498,"sentiment":"neutral","sentiment_score":0.04489821894094348},{"text":"Yeah.","start":431.29,"end":431.79,"sentiment":"neutral","sentiment_score":-0.018355339765548703}],"sentiment":"neutral","sentiment_score":0.089109302939553,"num_words":19,"start":405.66,"end":431.79},{"sentences":[{"text":"Usually, they don't.","start":431.93002,"end":433.95,"sentiment":"neutral","sentiment_score":-0.050546432534853615},{"text":"Some do, but usually, it's just like the the minimum legal is 12.","start":435.21002,"end":439.365,"sentiment":"neutral","sentiment_score":-0.023581265686796263},{"text":"So I can see here that on the July 2, they paid you had your $50 salary sacrifice, I can see, And then they also put in a $124.32.","start":440.705,"end":457.94,"sentiment":"neutral","sentiment_score":0.04775794993700652},{"text":"Now let me just check the when the last one was just so that I can check if that's pretty consistent.","start":458.24,"end":464.74,"sentiment":"neutral","sentiment_score":0.08411006771382831},{"text":"And yeah.","start":468.785,"end":469.685,"sentiment":"neutral","sentiment_score":0.07141498476266861}],"sentiment":"neutral","sentiment_score":0.041704796884647184,"num_words":68,"start":431.93002,"end":469.685},{"sentences":[{"text":"So you must have done maybe a bit of overtime 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times.","start":507.595,"end":513.48004,"sentiment":"neutral","sentiment_score":-0.03441242532183727}],"sentiment":"neutral","sentiment_score":-0.01241206275635814,"num_words":83,"start":470.305,"end":513.48004},{"sentences":[{"text":"Because in April, you had a 200, so they did a monthly for you there, and then 456.","start":513.48004,"end":520.36,"sentiment":"neutral","sentiment_score":-0.005378135273026096},{"text":"So it seems like it varies a bit.","start":520.36,"end":522.62,"sentiment":"neutral","sentiment_score":-0.017449029721319675},{"text":"472.","start":524.005,"end":526.745,"sentiment":"neutral","sentiment_score":0.004086087457835674},{"text":"Correct.","start":539.86005,"end":540.36005,"sentiment":"neutral","sentiment_score":0.07944124937057495},{"text":"That is correct.","start":540.42004,"end":541.38,"sentiment":"neutral","sentiment_score":0.10299433519442876}],"sentiment":"neutral","sentiment_score":0.005035860313763542,"num_words":31,"start":513.48004,"end":541.38},{"sentences":[{"text":"Yes.","start":541.38,"end":541.88,"sentiment":"neutral","sentiment_score":0.10144682973623276},{"text":"So before that, they only had to do it once a quarter at a minimum, which is probably why sometimes they did it a little bit random times.","start":542.34,"end":551.855,"sentiment":"neutral","sentiment_score":0.04431116980101381},{"text":"But, yes, you are correct.","start":551.855,"end":553.055,"sentiment":"neutral","sentiment_score":0.12228731215000152},{"text":"So now you should see it.","start":553.055,"end":554.675,"sentiment":"neutral","sentiment_score":0.11131895209352176},{"text":"And do you get paid 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good.","start":577.47504,"end":579.17505,"sentiment":"positive","sentiment_score":0.5217457314332327},{"text":"Yes.","start":592.69,"end":593.17,"sentiment":"neutral","sentiment_score":0.06815391778945923}],"sentiment":"neutral","sentiment_score":0.2373281195094543,"num_words":56,"start":559.055,"end":593.17},{"sentences":[{"text":"So if I use the 124, so just the most 8¢, and I use your income of $9.05 4, it's about 12.9.","start":593.17,"end":608.08496,"sentiment":"neutral","sentiment_score":0.09415873956112635},{"text":"So with overtime and stuff like that, it looks like it's pretty pretty much on that 12%, which is good.","start":608.865,"end":616.785,"sentiment":"neutral","sentiment_score":0.15686872340738772},{"text":"So not 11%.","start":616.785,"end":618.065,"sentiment":"neutral","sentiment_score":0.09137464314699173},{"text":"So you'll be that standard 12%, which is good.","start":618.065,"end":620.76,"sentiment":"neutral","sentiment_score":0.160569429397583},{"text":"Yeah.","start":622.52,"end":623.02,"sentiment":"positive","sentiment_score":0.4983599185943603}],"sentiment":"neutral","sentiment_score":0.13578364280638872,"num_words":55,"start":593.17,"end":623.02},{"sentences":[{"text":"That's great.","start":623.64,"end":624.46,"sentiment":"positive","sentiment_score":0.5060210824012756},{"text":"Yes.","start":625.96,"end":626.46,"sentiment":"neutral","sentiment_score":0.17859366536140442},{"text":"I can imagine.","start":628.28,"end":629.18,"sentiment":"neutral","sentiment_score":0.1564584175745646},{"text":"Yeah.","start":633.73505,"end":634.23505,"sentiment":"neutral","sentiment_score":0.09814612567424774},{"text":"Well, at least now you're getting a little bit more for it, so that's good.","start":635.495,"end":639.03503,"sentiment":"positive","sentiment_score":0.3745179891586304}],"sentiment":"positive","sentiment_score":0.3352694111791524,"num_words":22,"start":623.64,"end":639.03503},{"sentences":[{"text":"So then when you do retire, you should have a little bit more, so that's perfect.","start":640.215,"end":644.075,"sentiment":"positive","sentiment_score":0.4250233597122133},{"text":"And, otherwise, when it comes to your assets, do you own a motor vehicle or or renting, or what kind of your situation like when you with your assets and stuff?","start":644.935,"end":658.95,"sentiment":"neutral","sentiment_score":0.0058885836793530376},{"text":"Mhmm.","start":661.005,"end":661.505,"sentiment":"neutral","sentiment_score":-0.00017826491966843605},{"text":"Mhmm.","start":668.685,"end":668.84503,"sentiment":"neutral","sentiment_score":-0.017812859266996384},{"text":"Oh, yeah.","start":668.84503,"end":669.42505,"sentiment":"neutral","sentiment_score":0.02103807684034109}],"sentiment":"neutral","sentiment_score":0.1373922525284191,"num_words":51,"start":640.215,"end":669.42505},{"sentences":[{"text":"Yep.","start":669.885,"end":670.385,"sentiment":"neutral","sentiment_score":0.0655946433544159},{"text":"Perfect.","start":675.98,"end":676.45996,"sentiment":"neutral","sentiment_score":0.31540971994400024},{"text":"And do you know how much the total loan is?","start":676.45996,"end":678.88,"sentiment":"neutral","sentiment_score":0.0753158986568451},{"text":"Mhmm.","start":684.315,"end":684.815,"sentiment":"neutral","sentiment_score":0.03417445719242096},{"text":"Mhmm.","start":698.09,"end":698.59,"sentiment":"neutral","sentiment_score":-0.004504552111029625}],"sentiment":"neutral","sentiment_score":0.08313094678201846,"num_words":14,"start":669.885,"end":698.59},{"sentences":[{"text":"Yeah.","start":699.45,"end":699.95,"sentiment":"neutral","sentiment_score":0.009929184801876543},{"text":"Around that.","start":700.25,"end":700.81,"sentiment":"neutral","sentiment_score":0.01423196867108345},{"text":"And do you know how much the car is valued at?","start":700.81,"end":702.89,"sentiment":"neutral","sentiment_score":0.013944364576177164},{"text":"Like, if you were to, let's say, sell it tomorrow, how much do you think it'll be worth, or how much do you buy it for?","start":702.89,"end":709.23,"sentiment":"neutral","sentiment_score":0.010318149122982644},{"text":"No.","start":715.785,"end":716.285,"sentiment":"negative","sentiment_score":-0.33962154388427734}],"sentiment":"neutral","sentiment_score":0.002937352824274723,"num_words":41,"start":699.45,"end":716.285},{"sentences":[{"text":"Yes.","start":720.745,"end":721.245,"sentiment":"neutral","sentiment_score":-0.009666567668318748},{"text":"Okay.","start":729.53,"end":730.01,"sentiment":"neutral","sentiment_score":0.1119522973895073},{"text":"Perfect.","start":730.01,"end":730.51,"sentiment":"neutral","sentiment_score":0.2518630027770996},{"text":"So that's that.","start":730.89,"end":731.93,"sentiment":"neutral","sentiment_score":0.183450718720754},{"text":"Perfect.","start":731.93,"end":732.43,"sentiment":"neutral","sentiment_score":0.18848612904548645}],"sentiment":"neutral","sentiment_score":0.1561410025294338,"num_words":7,"start":720.745,"end":732.43},{"sentences":[{"text":"Any other assets?","start":734.49,"end":735.63,"sentiment":"neutral","sentiment_score":0.06918253749608994},{"text":"No.","start":738.245,"end":738.64496,"sentiment":"neutral","sentiment_score":-0.021480107679963112},{"text":"Perfect.","start":738.64496,"end":739.14496,"sentiment":"neutral","sentiment_score":0.024066515266895298},{"text":"And any liabilities, like personal loans or credit card or ZipPay?","start":740.165,"end":744.985,"sentiment":"neutral","sentiment_score":0.002203438092361797},{"text":"Mhmm.","start":748.5,"end":749.0,"sentiment":"neutral","sentiment_score":-0.16286225616931915}],"sentiment":"neutral","sentiment_score":0.004206446054227212,"num_words":17,"start":734.49,"end":749.0},{"sentences":[{"text":"Okay.","start":757.22,"end":757.72,"sentiment":"neutral","sentiment_score":0.03861812502145767},{"text":"Perfect.","start":757.86,"end":758.36,"sentiment":"neutral","sentiment_score":0.13617178797721863},{"text":"Anything else?","start":759.06,"end":759.96,"sentiment":"neutral","sentiment_score":0.06630585342645645},{"text":"Yeah.","start":765.555,"end":766.055,"sentiment":"neutral","sentiment_score":0.0019451547414064407},{"text":"Actually, now I don't how much is on the mortgage?","start":766.59503,"end":769.875,"sentiment":"neutral","sentiment_score":-0.04254885278642177}],"sentiment":"neutral","sentiment_score":-0.0077427835514148075,"num_words":15,"start":757.22,"end":769.875},{"sentences":[{"text":"Do you know?","start":769.875,"end":770.615,"sentiment":"neutral","sentiment_score":-0.04273438826203346},{"text":"Roughly?","start":773.89,"end":774.39,"sentiment":"neutral","sentiment_score":-0.04323270171880722},{"text":"Mhmm.","start":792.625,"end":793.125,"sentiment":"neutral","sentiment_score":0.0017983042635023594},{"text":"About $4.50.","start":794.14496,"end":795.365,"sentiment":"neutral","sentiment_score":0.018260120414197445},{"text":"Perfect.","start":795.505,"end":796.005,"sentiment":"neutral","sentiment_score":0.31763744354248047}],"sentiment":"neutral","sentiment_score":0.023065015266183764,"num_words":8,"start":769.875,"end":796.005},{"sentences":[{"text":"And how much do you think the property is worth if you were to sell it?","start":796.065,"end":800.22,"sentiment":"neutral","sentiment_score":0.0876226732507348},{"text":"Mhmm.","start":810.22,"end":810.72,"sentiment":"neutral","sentiment_score":-0.025372818112373352},{"text":"Mhmm.","start":812.3,"end":812.8,"sentiment":"neutral","sentiment_score":-0.008531814441084862},{"text":"Oh, that's nice.","start":817.835,"end":818.895,"sentiment":"positive","sentiment_score":0.6345210472742716},{"text":"Around that, it's still you still have more in the house than you are, which is good.","start":821.515,"end":825.215,"sentiment":"neutral","sentiment_score":0.2269936006735353}],"sentiment":"neutral","sentiment_score":0.18764506559818983,"num_words":38,"start":796.065,"end":825.215},{"sentences":[{"text":"Hopefully not.","start":833.16003,"end":834.14,"sentiment":"neutral","sentiment_score":-0.08641213178634644},{"text":"Yeah.","start":837.24005,"end":837.74005,"sentiment":"neutral","sentiment_score":0.015455694869160652},{"text":"That's for it.","start":839.32,"end":840.38,"sentiment":"neutral","sentiment_score":-0.05055979856600364},{"text":"Yeah.","start":841.84503,"end":842.34503,"sentiment":"neutral","sentiment_score":0.19199684262275696},{"text":"Just take it especially with all the prices and everything nowadays too.","start":842.48505,"end":846.005,"sentiment":"neutral","sentiment_score":0.21409141520659128}],"sentiment":"neutral","sentiment_score":0.12905504530001627,"num_words":19,"start":833.16003,"end":846.005},{"sentences":[{"text":"It's like, take it as it comes.","start":846.005,"end":847.84503,"sentiment":"neutral","sentiment_score":0.2925094280924116},{"text":"And if you're you're working hard, which you are, and, you know, putting extra to see for and doing everything to try to, you know, make for time and as comfortable as possible, and and that's really good.","start":847.84503,"end":857.63,"sentiment":"neutral","sentiment_score":0.3148360742550147},{"text":"Yes.","start":861.29,"end":861.79,"sentiment":"neutral","sentiment_score":-0.024091435596346855},{"text":"Exactly.","start":862.89,"end":863.39,"sentiment":"neutral","sentiment_score":-0.027131829410791397},{"text":"Yeah.","start":865.93,"end":866.43,"sentiment":"neutral","sentiment_score":-0.022180262953042984}],"sentiment":"neutral","sentiment_score":0.2903736102161929,"num_words":48,"start":846.005,"end":866.43},{"sentences":[{"text":"And at least you're paying your own mortgage.","start":867.02496,"end":869.185,"sentiment":"neutral","sentiment_score":-0.016241449862718582},{"text":"So, you know, whereas if you rent renting it to someone else, at least you're paying your own.","start":869.185,"end":873.845,"sentiment":"neutral","sentiment_score":-0.012815885556240877},{"text":"Now when it comes to health and lifestyle, are you a smoker or a nonsmoker?","start":876.385,"end":883.17004,"sentiment":"neutral","sentiment_score":-0.01483249304195245},{"text":"Nonsmoker.","start":886.51,"end":887.01,"sentiment":"neutral","sentiment_score":0.00197364273481071},{"text":"Perfect.","start":887.55,"end":888.05,"sentiment":"neutral","sentiment_score":0.20244793593883512}],"sentiment":"neutral","sentiment_score":-0.008806589671388962,"num_words":43,"start":867.02496,"end":888.05},{"sentences":[{"text":"And have you had any changes to your health in the last twelve months?","start":888.67004,"end":892.77,"sentiment":"neutral","sentiment_score":0.001564962656370231},{"text":"Any significant injuries or illnesses or anything?","start":893.445,"end":897.22504,"sentiment":"neutral","sentiment_score":-0.062245720731360574},{"text":"No.","start":899.84503,"end":900.34503,"sentiment":"neutral","sentiment_score":-0.06457461416721344},{"text":"Yeah.","start":902.085,"end":902.585,"sentiment":"neutral","sentiment_score":-0.04022383689880371},{"text":"Just general aches and pikes, or is there anything more or is this, like, general just that comes?","start":903.365,"end":911.04,"sentiment":"neutral","sentiment_score":-0.06436127010318968}],"sentiment":"neutral","sentiment_score":-0.04090516782570176,"num_words":41,"start":888.67004,"end":911.04},{"sentences":[{"text":"Yeah.","start":912.54,"end":913.04,"sentiment":"neutral","sentiment_score":-0.03462081775069237},{"text":"Yes.","start":918.3,"end":918.62,"sentiment":"neutral","sentiment_score":-0.006610185839235783},{"text":"Yes.","start":918.62,"end":919.12,"sentiment":"neutral","sentiment_score":-0.0024604517966508865},{"text":"Yeah.","start":919.42,"end":919.92,"sentiment":"neutral","sentiment_score":0.01413497608155012},{"text":"Okay.","start":920.3,"end":920.62,"sentiment":"neutral","sentiment_score":0.03588516265153885}],"sentiment":"neutral","sentiment_score":0.0012657366693019866,"num_words":5,"start":912.54,"end":920.62},{"sentences":[{"text":"Okay.","start":920.62,"end":921.02,"sentiment":"neutral","sentiment_score":0.08244667947292328},{"text":"Perfect.","start":921.02,"end":921.52,"sentiment":"neutral","sentiment_score":0.19026750326156616},{"text":"Now do you guys still have the investment property as well?","start":923.35504,"end":927.775,"sentiment":"neutral","sentiment_score":0.03730178522792729},{"text":"Yep.","start":931.195,"end":931.695,"sentiment":"neutral","sentiment_score":0.03809165209531784},{"text":"Mhmm.","start":934.88995,"end":935.38995,"sentiment":"neutral","sentiment_score":0.01955951377749443}],"sentiment":"neutral","sentiment_score":0.04937899907430013,"num_words":15,"start":920.62,"end":935.38995},{"sentences":[{"text":"Okay.","start":936.64996,"end":937.14996,"sentiment":"neutral","sentiment_score":0.06046614050865173},{"text":"Okay.","start":939.20996,"end":939.70996,"sentiment":"neutral","sentiment_score":0.006299650762230158},{"text":"Okay.","start":945.61,"end":946.11,"sentiment":"neutral","sentiment_score":0.01957125961780548},{"text":"So do you still have that one investment property, or did you guys sell it to do some renovations, did you say?","start":946.345,"end":951.805,"sentiment":"neutral","sentiment_score":-0.002375289543785832},{"text":"Okay.","start":953.865,"end":954.365,"sentiment":"neutral","sentiment_score":0.024372968822717667}],"sentiment":"neutral","sentiment_score":0.00224821729800449,"num_words":26,"start":936.64996,"end":954.365},{"sentences":[{"text":"Yes.","start":956.105,"end":956.505,"sentiment":"neutral","sentiment_score":0.07730132341384888},{"text":"Yes.","start":956.505,"end":956.825,"sentiment":"neutral","sentiment_score":0.09841309487819672},{"text":"Okay.","start":956.825,"end":957.225,"sentiment":"neutral","sentiment_score":0.24143917858600616},{"text":"Perfect.","start":957.225,"end":957.725,"sentiment":"positive","sentiment_score":0.6759717464447021},{"text":"That's good.","start":958.345,"end":959.325,"sentiment":"positive","sentiment_score":0.6359137892723083}],"sentiment":"positive","sentiment_score":0.39415882031122845,"num_words":6,"start":956.105,"end":959.325},{"sentences":[{"text":"Now when it comes to estate planning, do you have a will in place or a power of attorney or anything like that?","start":961.18,"end":972.0,"sentiment":"neutral","sentiment_score":0.021686995968870495},{"text":"No.","start":974.26495,"end":974.76495,"sentiment":"neutral","sentiment_score":-0.15119212865829468},{"text":"No.","start":975.14496,"end":975.545,"sentiment":"neutral","sentiment_score":-0.14966103434562683},{"text":"That's okay.","start":975.545,"end":976.365,"sentiment":"neutral","sentiment_score":-0.10733866691589355},{"text":"Yeah.","start":978.105,"end":978.605,"sentiment":"neutral","sentiment_score":-0.029269618913531303}],"sentiment":"neutral","sentiment_score":-0.0016428288737578046,"num_words":28,"start":961.18,"end":978.605},{"sentences":[{"text":"So kind of now do you know someone local that you could speak to, or would you like us to send you some information on a firm that we work closely with with some prices so you have it if you do wanna look at potentially getting it done at some point?","start":979.38495,"end":997.72003,"sentiment":"neutral","sentiment_score":0.024292627492776282},{"text":"Yep.","start":1010.275,"end":1010.755,"sentiment":"neutral","sentiment_score":-0.03272202983498573},{"text":"Yes.","start":1010.755,"end":1011.255,"sentiment":"neutral","sentiment_score":-0.0799110159277916},{"text":"No.","start":1013.25,"end":1013.75,"sentiment":"neutral","sentiment_score":-0.07519124448299408},{"text":"Yes.","start":1019.97,"end":1020.47,"sentiment":"neutral","sentiment_score":0.032980699092149734}],"sentiment":"neutral","sentiment_score":0.01979237568697759,"num_words":56,"start":979.38495,"end":1020.47},{"sentences":[{"text":"Yeah.","start":1022.05,"end":1022.55,"sentiment":"neutral","sentiment_score":0.035668082535266876},{"text":"Yeah.","start":1023.97,"end":1024.47,"sentiment":"neutral","sentiment_score":0.05428755283355713},{"text":"Yeah.","start":1030.275,"end":1030.775,"sentiment":"neutral","sentiment_score":0.049139924347400665},{"text":"Yeah.","start":1031.075,"end":1031.575,"sentiment":"neutral","sentiment_score":0.05301564186811447},{"text":"So what I can do is I can just send I'll get my team to just email both of you, and it will just have the lawyer information.","start":1031.875,"end":1042.13,"sentiment":"neutral","sentiment_score":0.09466489244784627}],"sentiment":"neutral","sentiment_score":0.08883525594137609,"num_words":32,"start":1022.05,"end":1042.13},{"sentences":[{"text":"No obligation, obviously, but that way, you have some information in regards to, like, a will.","start":1042.6699,"end":1048.75,"sentiment":"neutral","sentiment_score":0.08651459589600563},{"text":"There's also some pricing, and then you guys can obviously have a discussion whenever you're at the moment.","start":1048.75,"end":1053.65,"sentiment":"neutral","sentiment_score":0.09083276987075806},{"text":"If you wanna speak to them, there's all their contact details or everything.","start":1054.255,"end":1058.035,"sentiment":"neutral","sentiment_score":0.057702560121050246},{"text":"Or if you don't decide to, well, at least you have the information and a comparison for pricing for you as well.","start":1058.335,"end":1065.315,"sentiment":"neutral","sentiment_score":0.08302974379198118},{"text":"Yeah.","start":1066.99,"end":1067.49,"sentiment":"neutral","sentiment_score":0.2924599051475525}],"sentiment":"neutral","sentiment_score":0.08412101345935039,"num_words":70,"start":1042.6699,"end":1067.49},{"sentences":[{"text":"Perfect.","start":1067.79,"end":1068.29,"sentiment":"positive","sentiment_score":0.37252309918403625},{"text":"Now with estate planning as well, I can see here that with your insurance and in your hub 24 for your super account, we don't currently have a nomination on file if something were to happen to you.","start":1069.55,"end":1092.045,"sentiment":"neutral","sentiment_score":0.0357941249630561},{"text":"So do you remember receiving a post with some beneficiary forms to complete?","start":1092.63,"end":1100.81,"sentiment":"neutral","sentiment_score":0.04210268218929951},{"text":"Do you remember receiving that?","start":1101.51,"end":1103.4501,"sentiment":"neutral","sentiment_score":0.020664229057729244},{"text":"Do you do you remember when?","start":1106.005,"end":1107.625,"sentiment":"neutral","sentiment_score":0.006745119423915942}],"sentiment":"neutral","sentiment_score":0.03847343774719371,"num_words":63,"start":1067.79,"end":1107.625},{"sentences":[{"text":"Roughly?","start":1108.405,"end":1108.905,"sentiment":"neutral","sentiment_score":-0.01578933373093605},{"text":"Mhmm.","start":1116.165,"end":1116.665,"sentiment":"neutral","sentiment_score":0.028929494321346283},{"text":"Mhmm.","start":1119.1,"end":1119.6,"sentiment":"neutral","sentiment_score":0.02488373965024948},{"text":"No.","start":1124.62,"end":1125.1,"sentiment":"neutral","sentiment_score":-0.1833547055721283},{"text":"I can't see it here.","start":1125.1,"end":1127.2,"sentiment":"neutral","sentiment_score":-0.19307607114315034}],"sentiment":"neutral","sentiment_score":-0.12341235122746891,"num_words":9,"start":1108.405,"end":1127.2},{"sentences":[{"text":"But what I will do, I will go triple check with the team, but having a look at the system.","start":1128.38,"end":1132.235,"sentiment":"neutral","sentiment_score":-0.03651013420894742},{"text":"Sometimes Australia post often it it gets here, especially obviously from from WA.","start":1134.215,"end":1139.835,"sentiment":"neutral","sentiment_score":-0.016804511300646342},{"text":"Now do you have access to a printer or not really?","start":1141.975,"end":1145.755,"sentiment":"neutral","sentiment_score":-0.020843797448006542},{"text":"Okay.","start":1148.18,"end":1148.68,"sentiment":"neutral","sentiment_score":-0.0409855917096138},{"text":"So what I can do is I will get the team to triple check if it's in the mail somewhere.","start":1149.78,"end":1155.3,"sentiment":"neutral","sentiment_score":0.020818443782627583}],"sentiment":"neutral","sentiment_score":-0.012347074139576692,"num_words":65,"start":1128.38,"end":1155.3},{"sentences":[{"text":"But if you did it a little while ago, we should have got it by now.","start":1155.3,"end":1158.3601,"sentiment":"neutral","sentiment_score":0.11136574391275644},{"text":"But I will triple check for you.","start":1159.035,"end":1160.795,"sentiment":"neutral","sentiment_score":0.14463198291403906},{"text":"And if we don't have it, just so you don't have to complete it again, what I will do is I will get the team to email you the forms.","start":1160.795,"end":1170.3151,"sentiment":"neutral","sentiment_score":0.1466819408039252},{"text":"That way you have it in your inbox.","start":1170.3151,"end":1172.0951,"sentiment":"positive","sentiment_score":0.3515732493251562},{"text":"You can just print it, complete it, and email it back, and then we know for sure that it comes back to us and not, like, lost in the post or something.","start":1172.395,"end":1180.49,"sentiment":"neutral","sentiment_score":0.16910298628499731}],"sentiment":"neutral","sentiment_score":0.1657915651918419,"num_words":93,"start":1155.3,"end":1180.49},{"sentences":[{"text":"Yeah.","start":1182.31,"end":1182.81,"sentiment":"neutral","sentiment_score":0.06755296885967255},{"text":"You can actually get it witnessed by anybody.","start":1202.18,"end":1204.6,"sentiment":"neutral","sentiment_score":0.12216812744736671},{"text":"So as long as it's not the person you nominate.","start":1204.98,"end":1208.66,"sentiment":"neutral","sentiment_score":0.017699613730655983},{"text":"So say, for example, you wanna give it to Steven.","start":1208.66,"end":1211.9601,"sentiment":"neutral","sentiment_score":0.020474107563495637},{"text":"Now he can't be a witness and you can't be a witness, but let's say you have two neighbors, they can witness it.","start":1212.735,"end":1221.055,"sentiment":"neutral","sentiment_score":0.012133356345736462}],"sentiment":"neutral","sentiment_score":0.032801969179462716,"num_words":52,"start":1182.31,"end":1221.055},{"sentences":[{"text":"It doesn't have to be a just as a piece.","start":1221.055,"end":1222.975,"sentiment":"neutral","sentiment_score":0.012046914547681808},{"text":"It just has to be someone to witness when you you do it, and it just can't be the person you are actually nominating.","start":1222.975,"end":1231.22,"sentiment":"neutral","sentiment_score":-0.035762136025975146},{"text":"But, otherwise, it can be a neighbor or a friend or family member.","start":1231.6799,"end":1235.38,"sentiment":"neutral","sentiment_score":0.2132503201182072},{"text":"That's perfectly fine.","start":1236.48,"end":1237.6799,"sentiment":"positive","sentiment_score":0.6977778871854147},{"text":"Just 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yeah.","start":1266.85,"end":1267.25,"sentiment":"neutral","sentiment_score":-0.2381778508424759},{"text":"No.","start":1267.25,"end":1267.41,"sentiment":"neutral","sentiment_score":-0.21296393871307373},{"text":"I can't see anything here, but like I said, I'll double check with the team.","start":1267.41,"end":1270.375,"sentiment":"neutral","sentiment_score":-0.13155270715554554},{"text":"And if we we don't have it, which it doesn't look like, but I will double check, I'll get them to email it to you.","start":1270.675,"end":1277.635,"sentiment":"neutral","sentiment_score":0.07366761684417725},{"text":"So that way, you don't have to like, it doesn't get lost again or something like that, and it would directly come back through us.","start":1277.635,"end":1285.77,"sentiment":"neutral","sentiment_score":0.3052287214994431}],"sentiment":"neutral","sentiment_score":0.10014409133616615,"num_words":68,"start":1266.85,"end":1285.77},{"sentences":[{"text":"And, yes, it doesn't have to be just as a piece.","start":1286.71,"end":1289.11,"sentiment":"neutral","sentiment_score":0.12371042675592682},{"text":"It can be anybody because that's a bit hard sometimes to find the time to actually go and see them.","start":1289.11,"end":1294.01,"sentiment":"neutral","sentiment_score":-0.14792299661785363},{"text":"So that can be anyone.","start":1294.39,"end":1295.5299,"sentiment":"neutral","sentiment_score":0.016304568946361543},{"text":"It can be any any family members or anything.","start":1295.765,"end":1298.505,"sentiment":"neutral","sentiment_score":0.11484234531720479},{"text":"Just not the person you wanna give it to.","start":1298.5651,"end":1300.7451,"sentiment":"neutral","sentiment_score":-0.004966919620831807}],"sentiment":"neutral","sentiment_score":-0.009763769667457652,"num_words":54,"start":1286.71,"end":1300.7451},{"sentences":[{"text":"Yeah.","start":1301.8451,"end":1302.3451,"sentiment":"positive","sentiment_score":0.36139142513275146},{"text":"No.","start":1302.9651,"end":1303.285,"sentiment":"neutral","sentiment_score":0.008402958512306213},{"text":"That's okay.","start":1303.285,"end":1304.185,"sentiment":"neutral","sentiment_score":0.05381731502711773},{"text":"Now, otherwise, during the annual reviews, what is usually a good thing to do is just to kind of check-in to see what your goals were last year when we spoke to you, if it's changed or how you went with it, and potentially setting some goals for the next couple of years.","start":1305.765,"end":1322.77,"sentiment":"neutral","sentiment_score":0.2894441096006699},{"text":"So when you had your interview last, you spoke to my colleague, Dana.","start":1323.4451,"end":1327.545,"sentiment":"neutral","sentiment_score":0.29685951654727644}],"sentiment":"neutral","sentiment_score":0.2811020076807056,"num_words":70,"start":1301.8451,"end":1327.545},{"sentences":[{"text":"And I can see here that your main focus at this time was to buy a new car, which it did, so that's good.","start":1328.245,"end":1335.0651,"sentiment":"positive","sentiment_score":0.49276233091950417},{"text":"Is there anything that you you or both of you are working towards financially or nonfinancially in the next couple of years?","start":1337.64,"end":1347.3201,"sentiment":"neutral","sentiment_score":0.1057097561318766},{"text":"So is it just to kinda focus on getting through everything, or is there anything specific that you guys are working towards?","start":1347.3201,"end":1354.155,"sentiment":"neutral","sentiment_score":0.08508406875824387},{"text":"Yep.","start":1364.4701,"end":1364.9701,"sentiment":"neutral","sentiment_score":0.24695353209972384},{"text":"Yeah.","start":1367.91,"end":1368.41,"sentiment":"positive","sentiment_score":0.3691873550415039}],"sentiment":"neutral","sentiment_score":0.23771287109702827,"num_words":70,"start":1328.245,"end":1368.41},{"sentences":[{"text":"Yeah.","start":1370.2301,"end":1370.7301,"sentiment":"positive","sentiment_score":0.3510534167289734},{"text":"Yep.","start":1374.165,"end":1374.665,"sentiment":"positive","sentiment_score":0.4685629010200501},{"text":"Yep.","start":1376.805,"end":1377.305,"sentiment":"positive","sentiment_score":0.3563273847103119},{"text":"Yeah.","start":1379.6051,"end":1380.0851,"sentiment":"neutral","sentiment_score":0.11660616099834442},{"text":"And how old is she now?","start":1380.0851,"end":1381.625,"sentiment":"neutral","sentiment_score":0.0412922779408594}],"sentiment":"neutral","sentiment_score":0.15403035311028362,"num_words":10,"start":1370.2301,"end":1381.625},{"sentences":[{"text":"Yeah.","start":1385.285,"end":1385.785,"sentiment":"neutral","sentiment_score":0.070868119597435},{"text":"Yeah.","start":1386.4401,"end":1386.84,"sentiment":"neutral","sentiment_score":0.12209391593933104},{"text":"Beautiful.","start":1386.84,"end":1387.34,"sentiment":"positive","sentiment_score":0.6947650909423828},{"text":"Perfect.","start":1389.08,"end":1389.58,"sentiment":"positive","sentiment_score":0.6930986642837524},{"text":"And then after obviously, there's still still a little bit to go, and then after that, maybe look at something else.","start":1389.72,"end":1395.16,"sentiment":"neutral","sentiment_score":0.19136853090354375}],"sentiment":"neutral","sentiment_score":0.2239825975894928,"num_words":25,"start":1385.285,"end":1395.16},{"sentences":[{"text":"But, yeah, obviously, that's very important when it comes to school.","start":1395.16,"end":1398.76,"sentiment":"neutral","sentiment_score":0.26020504940639844},{"text":"So that that's a good thing that you guys are working towards.","start":1398.76,"end":1401.82,"sentiment":"positive","sentiment_score":0.6184076219797134},{"text":"And yeah.","start":1405.0549,"end":1409.635,"sentiment":"neutral","sentiment_score":0.16668839752674103},{"text":"Where would you go?","start":1409.855,"end":1411.155,"sentiment":"neutral","sentiment_score":0.04740721778944135},{"text":"Yeah.","start":1419.2799,"end":1419.7799,"sentiment":"neutral","sentiment_score":0.054043252021074295}],"sentiment":"positive","sentiment_score":0.3620065308486422,"num_words":30,"start":1395.16,"end":1419.7799},{"sentences":[{"text":"Yeah.","start":1422.1599,"end":1422.6599,"sentiment":"neutral","sentiment_score":0.010828031226992609},{"text":"Yes.","start":1427.2949,"end":1427.7949,"sentiment":"neutral","sentiment_score":0.12886066734790802},{"text":"Yeah.","start":1430.6549,"end":1431.1549,"sentiment":"neutral","sentiment_score":0.09778286516666412},{"text":"Oh, beautiful.","start":1431.5349,"end":1432.195,"sentiment":"neutral","sentiment_score":0.24108672887086868},{"text":"That's yeah.","start":1432.895,"end":1437.7949,"sentiment":"neutral","sentiment_score":0.09397228807210922}],"sentiment":"neutral","sentiment_score":0.1296556568039315,"num_words":7,"start":1422.1599,"end":1437.7949},{"sentences":[{"text":"A bit a bit closer.","start":1443.15,"end":1444.9299,"sentiment":"neutral","sentiment_score":0.028423406928777695},{"text":"Oh, yeah.","start":1446.75,"end":1447.33,"sentiment":"neutral","sentiment_score":0.04682006500661373},{"text":"Yes.","start":1447.7899,"end":1448.2899,"sentiment":"neutral","sentiment_score":0.0367281399667263},{"text":"Yes.","start":1452.445,"end":1452.925,"sentiment":"neutral","sentiment_score":0.038224056363105774},{"text":"Yes.","start":1452.925,"end":1453.425,"sentiment":"neutral","sentiment_score":0.03614470735192299}],"sentiment":"neutral","sentiment_score":0.0346854068338871,"num_words":10,"start":1443.15,"end":1453.425},{"sentences":[{"text":"Yes.","start":1453.485,"end":1453.985,"sentiment":"neutral","sentiment_score":0.034705862402915955},{"text":"No.","start":1454.605,"end":1454.845,"sentiment":"neutral","sentiment_score":-0.07630914449691772},{"text":"Very 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retire or stop working at 63.","start":1463.25,"end":1475.1901,"sentiment":"neutral","sentiment_score":0.06065500883216208}],"sentiment":"neutral","sentiment_score":0.056849623165492504,"num_words":28,"start":1457.565,"end":1475.1901},{"sentences":[{"text":"Is that still kind of the plan, do you think, or when do you think you would like to retire or start drawing an income from your superannuation?","start":1475.41,"end":1483.2051,"sentiment":"neutral","sentiment_score":0.05878481189055102},{"text":"Mhmm.","start":1488.2251,"end":1488.7251,"sentiment":"positive","sentiment_score":0.5039547085762024},{"text":"Yep.","start":1489.76,"end":1490.26,"sentiment":"positive","sentiment_score":0.353099524974823},{"text":"Mhmm.","start":1495.2799,"end":1495.7799,"sentiment":"neutral","sentiment_score":0.1991012543439865},{"text":"Yep.","start":1497.9199,"end":1498.32,"sentiment":"neutral","sentiment_score":0.2425204962491989}],"sentiment":"neutral","sentiment_score":0.09202033490873873,"num_words":32,"start":1475.41,"end":1498.32},{"sentences":[{"text":"Yep.","start":1498.32,"end":1498.72,"sentiment":"neutral","sentiment_score":0.33113163709640503},{"text":"Perfect.","start":1498.72,"end":1499.22,"sentiment":"positive","sentiment_score":0.6245549917221069},{"text":"So it just depends, but, no, that's good.","start":1499.5199,"end":1501.86,"sentiment":"positive","sentiment_score":0.3640070855617523},{"text":"Yeah.","start":1503.8451,"end":1504.3251,"sentiment":"neutral","sentiment_score":0.18973003327846527},{"text":"Most a lot of people are the same.","start":1504.3251,"end":1506.005,"sentiment":"neutral","sentiment_score":0.24772371537983418}],"sentiment":"neutral","sentiment_score":0.31785595103314046,"num_words":19,"start":1498.32,"end":1506.005},{"sentences":[{"text":"Just wanna have something to do and mentally stimulating and everything like that as 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think you'd need a little bit more per week?","start":1530.8451,"end":1538.625,"sentiment":"neutral","sentiment_score":0.023525450999538105},{"text":"Might be a little bit hard to tell, but do you think roughly?","start":1539.165,"end":1541.8251,"sentiment":"neutral","sentiment_score":-0.02534022253866379},{"text":"Yeah.","start":1550.06,"end":1550.56,"sentiment":"neutral","sentiment_score":0.08373232185840607},{"text":"So maybe more like 1,500 potentially will give you a little bit more of a buffer.","start":1551.18,"end":1555.4401,"sentiment":"neutral","sentiment_score":0.10430819587782025}],"sentiment":"neutral","sentiment_score":0.05875100110324077,"num_words":81,"start":1521.0399,"end":1555.4401},{"sentences":[{"text":"Yeah.","start":1557.475,"end":1557.975,"sentiment":"neutral","sentiment_score":0.007033614441752434},{"text":"Yeah.","start":1558.355,"end":1558.855,"sentiment":"neutral","sentiment_score":-0.012392548844218254},{"text":"Yes.","start":1565.795,"end":1566.295,"sentiment":"neutral","sentiment_score":-0.03168841451406479},{"text":"Yes.","start":1571.25,"end":1571.75,"sentiment":"neutral","sentiment_score":-0.021069960668683052},{"text":"Yeah.","start":1574.93,"end":1575.43,"sentiment":"neutral","sentiment_score":-0.06106474623084068}],"sentiment":"neutral","sentiment_score":-0.02383641116321087,"num_words":5,"start":1557.475,"end":1575.43},{"sentences":[{"text":"Yeah.","start":1578.53,"end":1579.03,"sentiment":"neutral","sentiment_score":-0.13162553310394287},{"text":"Yes.","start":1582.2251,"end":1582.7251,"sentiment":"neutral","sentiment_score":0.02530638687312603},{"text":"And and that's just the yeah.","start":1584.0651,"end":1586.5651,"sentiment":"neutral","sentiment_score":0.07026851984361808},{"text":"That's the thing.","start":1587.5851,"end":1588.2251,"sentiment":"neutral","sentiment_score":0.2049147685368856},{"text":"And that's just kind of a good goal as well.","start":1588.2251,"end":1589.985,"sentiment":"neutral","sentiment_score":0.33177414536476135}],"sentiment":"neutral","sentiment_score":0.2022751300994839,"num_words":21,"start":1578.53,"end":1589.985},{"sentences":[{"text":"So, obviously, we're trying to get you as much as we can before retirement.","start":1589.985,"end":1593.125,"sentiment":"neutral","sentiment_score":0.19473362181867873},{"text":"But even if we're kind of aiming for about 15 100, at least it gives you a little bit more of a buffer so you don't have to, you know, budget as hard than around a thousand.","start":1593.71,"end":1605.09,"sentiment":"neutral","sentiment_score":0.15090473882249883},{"text":"Yeah.","start":1608.2051,"end":1608.7051,"sentiment":"neutral","sentiment_score":0.16345888376235962},{"text":"Yeah.","start":1609.3251,"end":1609.8251,"sentiment":"neutral","sentiment_score":0.22169214487075808},{"text":"Yeah.","start":1615.725,"end":1616.225,"sentiment":"neutral","sentiment_score":0.04348903149366379}],"sentiment":"neutral","sentiment_score":0.16182196485223593,"num_words":54,"start":1589.985,"end":1616.225},{"sentences":[{"text":"Yeah.","start":1616.525,"end":1616.685,"sentiment":"neutral","sentiment_score":0.039287175983190536},{"text":"Exactly.","start":1616.685,"end":1617.165,"sentiment":"neutral","sentiment_score":0.055238448083400726},{"text":"Who knows?","start":1617.165,"end":1617.905,"sentiment":"neutral","sentiment_score":0.024495061486959457},{"text":"Okay.","start":1619.5651,"end":1620.0651,"sentiment":"neutral","sentiment_score":0.28757351636886597},{"text":"Perfect.","start":1620.42,"end":1620.92,"sentiment":"positive","sentiment_score":0.5808734893798828}],"sentiment":"neutral","sentiment_score":0.16866045879820982,"num_words":6,"start":1616.525,"end":1620.92},{"sentences":[{"text":"Now do you have access to your emails at the moment?","start":1622.1001,"end":1626.12,"sentiment":"neutral","sentiment_score":0.15363649075681513},{"text":"Oh, not really.","start":1628.66,"end":1629.54,"sentiment":"neutral","sentiment_score":-0.010652637109160423},{"text":"Okay.","start":1629.54,"end":1630.04,"sentiment":"neutral","sentiment_score":0.021607933565974236},{"text":"So what I have done is I have to send you an email with some documents to go through, and it just makes it a little bit easier for you if you can actually see them at the same time.","start":1630.18,"end":1642.785,"sentiment":"neutral","sentiment_score":0.13450378067791463},{"text":"But if you could go into your emails for me, you should have a email there.","start":1643.245,"end":1650.8999,"sentiment":"neutral","sentiment_score":0.03631234657950699}],"sentiment":"neutral","sentiment_score":0.10761690412608671,"num_words":71,"start":1622.1001,"end":1650.8999},{"sentences":[{"text":"And it could sometimes end up in spam folder as well because we have changed to a new software.","start":1650.8999,"end":1656.6799,"sentiment":"neutral","sentiment_score":-0.25893091606466395},{"text":"So there should be yeah.","start":1677.65,"end":1679.33,"sentiment":"neutral","sentiment_score":-0.006232217699289322},{"text":"It should be an email where it says, oh, if you financial request signature, signature request or something like that.","start":1679.33,"end":1688.595,"sentiment":"neutral","sentiment_score":-0.03445821795612573},{"text":"Nothing?","start":1691.315,"end":1691.815,"sentiment":"neutral","sentiment_score":-0.13607613742351532},{"text":"And nothing in spam either?","start":1692.275,"end":1694.135,"sentiment":"neutral","sentiment_score":-0.19299476444721222}],"sentiment":"neutral","sentiment_score":-0.13482125625014305,"num_words":50,"start":1650.8999,"end":1694.135},{"sentences":[{"text":"Yes.","start":1708.29,"end":1708.79,"sentiment":"neutral","sentiment_score":-0.005517603363841772},{"text":"That's the one.","start":1708.85,"end":1709.75,"sentiment":"neutral","sentiment_score":-0.01751048459360997},{"text":"Now, usually, it will ask you to click on the link first.","start":1718.545,"end":1723.525,"sentiment":"neutral","sentiment_score":-0.03405322879552841},{"text":"Now it won't get it.","start":1723.825,"end":1725.24,"sentiment":"neutral","sentiment_score":-0.1554797723889351},{"text":"Okay.","start":1725.72,"end":1726.12,"sentiment":"neutral","sentiment_score":-0.08511907607316971}],"sentiment":"neutral","sentiment_score":-0.06041844275949353,"num_words":22,"start":1708.29,"end":1726.12},{"sentences":[{"text":"Because it won't get you to sign right away.","start":1726.12,"end":1728.2,"sentiment":"neutral","sentiment_score":-0.08296417486336496},{"text":"It will allow you to look at everything first.","start":1728.2,"end":1730.7,"sentiment":"neutral","sentiment_score":0.06827325663632816},{"text":"Make sure you are happy before it'll ask you to sign anything.","start":1731.24,"end":1735.66,"sentiment":"neutral","sentiment_score":0.04897822688023249},{"text":"Yep.","start":1746.455,"end":1746.955,"sentiment":"neutral","sentiment_score":0.06015137955546379},{"text":"Yes.","start":1751.03,"end":1751.43,"sentiment":"neutral","sentiment_score":0.04717257246375084}],"sentiment":"neutral","sentiment_score":0.017588887829333544,"num_words":32,"start":1726.12,"end":1751.43},{"sentences":[{"text":"Can you click on that?","start":1751.43,"end":1752.55,"sentiment":"neutral","sentiment_score":0.048556020855903624},{"text":"Is there, like, a link?","start":1752.55,"end":1753.77,"sentiment":"neutral","sentiment_score":0.02790742591023445},{"text":"Yes.","start":1755.27,"end":1755.75,"sentiment":"neutral","sentiment_score":0.03833374008536339},{"text":"Okay.","start":1755.75,"end":1756.25,"sentiment":"neutral","sentiment_score":0.040073052048683167},{"text":"Try to click on that one for me.","start":1756.39,"end":1758.17,"sentiment":"neutral","sentiment_score":0.047581108286976814}],"sentiment":"neutral","sentiment_score":0.042068644613027575,"num_words":20,"start":1751.43,"end":1758.17},{"sentences":[{"text":"Yes.","start":1771.525,"end":1772.025,"sentiment":"neutral","sentiment_score":0.06071272864937782},{"text":"Yes.","start":1773.2051,"end":1773.7051,"sentiment":"neutral","sentiment_score":0.049779459834098816},{"text":"Okay.","start":1773.8451,"end":1774.3451,"sentiment":"neutral","sentiment_score":0.03837265819311142},{"text":"Yes.","start":1776.81,"end":1777.29,"sentiment":"neutral","sentiment_score":0.16082577407360077},{"text":"Beautiful.","start":1777.29,"end":1777.79,"sentiment":"positive","sentiment_score":0.4699161648750305}],"sentiment":"neutral","sentiment_score":0.15592135712504387,"num_words":5,"start":1771.525,"end":1777.79},{"sentences":[{"text":"Now can you click on the which one is the first document that you can see?","start":1778.0901,"end":1781.85,"sentiment":"neutral","sentiment_score":0.19289750140160322},{"text":"And we'll just do it in the order that you can see to make it easier.","start":1781.85,"end":1785.0701,"sentiment":"neutral","sentiment_score":0.17769726738333702},{"text":"What's the first thing you can see?","start":1785.37,"end":1787.39,"sentiment":"neutral","sentiment_score":0.038062576204538345},{"text":"No.","start":1795.8849,"end":1796.125,"sentiment":"neutral","sentiment_score":-0.16717447340488434},{"text":"That's okay.","start":1796.125,"end":1796.945,"sentiment":"neutral","sentiment_score":-0.04112083464860916}],"sentiment":"neutral","sentiment_score":0.14158424264973118,"num_words":42,"start":1778.0901,"end":1796.945},{"sentences":[{"text":"So when you open the document, what is the first document that you can see?","start":1797.0049,"end":1801.245,"sentiment":"neutral","sentiment_score":0.011676816052446764},{"text":"What's it called?","start":1801.245,"end":1801.965,"sentiment":"neutral","sentiment_score":0.009274044384558996},{"text":"Is that super insurance summary?","start":1801.965,"end":1804.07,"sentiment":"neutral","sentiment_score":0.018630849197506905},{"text":"Yes.","start":1807.1699,"end":1807.6699,"sentiment":"neutral","sentiment_score":0.10965099930763245},{"text":"Perfect.","start":1809.33,"end":1809.83,"sentiment":"neutral","sentiment_score":0.275898277759552}],"sentiment":"neutral","sentiment_score":0.027267115879803894,"num_words":25,"start":1797.0049,"end":1809.83},{"sentences":[{"text":"Yes.","start":1811.73,"end":1812.23,"sentiment":"neutral","sentiment_score":0.09677189588546752},{"text":"Alright.","start":1812.2899,"end":1812.77,"sentiment":"neutral","sentiment_score":0.11504247784614564},{"text":"This is the one where we start.","start":1812.77,"end":1814.39,"sentiment":"neutral","sentiment_score":0.08156361164791244},{"text":"So if you have a look at this one, you can see that you have your super with hub 24, and you do have about a $116,700 in there.","start":1815.01,"end":1826.7351,"sentiment":"neutral","sentiment_score":0.08996963963426392},{"text":"Now underneath it, you should see your one path insurance, and you have life and total permanent disability insurance if something were to happen.","start":1827.5951,"end":1840.55,"sentiment":"neutral","sentiment_score":0.1041863951832056}],"sentiment":"neutral","sentiment_score":0.09503794659770304,"num_words":62,"start":1811.73,"end":1840.55},{"sentences":[{"text":"And that would pay out 367,500 for both of them.","start":1841.2251,"end":1849.005,"sentiment":"neutral","sentiment_score":0.16304027289152145},{"text":"And they are paid from within Hub 24, so you don't pay for anything out of pocket.","start":1849.785,"end":1855.485,"sentiment":"neutral","sentiment_score":0.15363523057278464},{"text":"You do get a 15% tax rebate.","start":1856.36,"end":1859.98,"sentiment":"neutral","sentiment_score":0.29731968470982145},{"text":"The total premium for the both of them is 2,476.","start":1860.6,"end":1865.98,"sentiment":"neutral","sentiment_score":0.21038860082626343},{"text":"Now are you still happy with that level of cover that you have with one pass with your insurances, or do you wanna make any changes?","start":1867.16,"end":1875.6849,"sentiment":"neutral","sentiment_score":0.28186113158097637}],"sentiment":"neutral","sentiment_score":0.2250816410141332,"num_words":70,"start":1841.2251,"end":1875.6849},{"sentences":[{"text":"Or what are your thoughts on it?","start":1875.825,"end":1877.605,"sentiment":"neutral","sentiment_score":0.03828892218215125},{"text":"Still good.","start":1880.225,"end":1880.785,"sentiment":"positive","sentiment_score":0.37086154520511627},{"text":"Yep.","start":1880.785,"end":1881.1849,"sentiment":"positive","sentiment_score":0.39344722032547},{"text":"Perfect.","start":1881.1849,"end":1881.6849,"sentiment":"positive","sentiment_score":0.5155571103096008},{"text":"And it will cover majority of the mortgage if something were to happen, And then you have your super balance as well.","start":1881.905,"end":1888.55,"sentiment":"neutral","sentiment_score":0.2479968951507048}],"sentiment":"neutral","sentiment_score":0.2234751990798748,"num_words":33,"start":1875.825,"end":1888.55},{"sentences":[{"text":"So it would obviously make a big difference financially to clear out, you know, most of the mortgage if something were to happen.","start":1888.77,"end":1894.9501,"sentiment":"neutral","sentiment_score":0.1734953914647517},{"text":"Yeah.","start":1896.53,"end":1897.03,"sentiment":"neutral","sentiment_score":0.07924823462963104},{"text":"Now what is the next document you can see there, Evangeline?","start":1897.33,"end":1900.55,"sentiment":"neutral","sentiment_score":0.03662549433383075},{"text":"Can you click next?","start":1904.645,"end":1905.945,"sentiment":"neutral","sentiment_score":0.012096881167963147},{"text":"Yeah.","start":1910.4049,"end":1910.645,"sentiment":"neutral","sentiment_score":0.11226794868707655}],"sentiment":"neutral","sentiment_score":0.11582945373374968,"num_words":40,"start":1888.77,"end":1910.645},{"sentences":[{"text":"No.","start":1910.645,"end":1910.965,"sentiment":"neutral","sentiment_score":0.01343030110001564},{"text":"That's okay.","start":1910.965,"end":1911.365,"sentiment":"neutral","sentiment_score":0.061056241393089294},{"text":"I was like, I assure you more.","start":1911.365,"end":1913.1549,"sentiment":"neutral","sentiment_score":0.061870564839669635},{"text":"No.","start":1915.55,"end":1915.87,"sentiment":"neutral","sentiment_score":-0.021010657772421837},{"text":"That's okay.","start":1915.87,"end":1922.2101,"sentiment":"neutral","sentiment_score":0.00680804846342653}],"sentiment":"neutral","sentiment_score":0.04317247514756253,"num_words":13,"start":1910.645,"end":1922.2101},{"sentences":[{"text":"Yes.","start":1923.39,"end":1923.7101,"sentiment":"neutral","sentiment_score":0.021151237189769745},{"text":"Yes.","start":1923.7101,"end":1924.2101,"sentiment":"neutral","sentiment_score":0.012037249282002447},{"text":"Now this one here sometimes looks a little bit messy.","start":1924.43,"end":1927.73,"sentiment":"neutral","sentiment_score":-0.06403266936540604},{"text":"But, basically, what it does is it gives us a breakdown of your portfolio and what has happened to the portfolio in the last twelve months.","start":1929.325,"end":1940.91,"sentiment":"neutral","sentiment_score":-0.013858790867603742},{"text":"Now, obviously, the last twelve months, I'm sure you would have seen on the news or heard that, obviously, it's been a little bit turbulent in the market because we had everything going on in The US first.","start":1941.4701,"end":1951.7101,"sentiment":"neutral","sentiment_score":-0.10600618939650686}],"sentiment":"neutral","sentiment_score":-0.06573292061588482,"num_words":76,"start":1923.39,"end":1951.7101},{"sentences":[{"text":"So, obviously, with Trump and tariffs and everything, you see a bit of fluctuation in the market.","start":1951.7101,"end":1957.395,"sentiment":"neutral","sentiment_score":-0.06749725396580555},{"text":"But, obviously, more recently, we had, you know, the war going on as well.","start":1958.095,"end":1963.0751,"sentiment":"neutral","sentiment_score":-0.14260150492191315},{"text":"So that has seen a bit of fluctuation to the market.","start":1963.215,"end":1966.1951,"sentiment":"neutral","sentiment_score":-0.1460858149961992},{"text":"So it's been a little bit turbulent.","start":1966.8151,"end":1968.595,"sentiment":"neutral","sentiment_score":-0.14932209891932352},{"text":"But in saying that, though, your portfolio overall has still done pretty good given what has happened in the market.","start":1969.41,"end":1976.39,"sentiment":"positive","sentiment_score":0.4514312379062176}],"sentiment":"neutral","sentiment_score":0.04684857557109301,"num_words":69,"start":1951.7101,"end":1976.39},{"sentences":[{"text":"And that's also because it is very diversified.","start":1976.93,"end":1979.11,"sentiment":"positive","sentiment_score":0.46532247960567474},{"text":"So at the moment, in just a twelve month period now this is all after fees as well.","start":1979.9701,"end":1986.6951,"sentiment":"neutral","sentiment_score":0.19308744288153118},{"text":"So after all fees have come out of your account, the portfolio has still gone up by about 6.29%, which we're pretty happy with given what has happened in the market.","start":1986.6951,"end":2000.14,"sentiment":"positive","sentiment_score":0.5897910258462352},{"text":"Does that make sense, Evangeline?","start":2000.2,"end":2001.6599,"sentiment":"neutral","sentiment_score":0.17339620590209961},{"text":"Yeah.","start":2003.48,"end":2003.98,"sentiment":"neutral","sentiment_score":0.07009483873844147}],"sentiment":"positive","sentiment_score":0.4193452615586538,"num_words":63,"start":1976.93,"end":2003.98},{"sentences":[{"text":"Yes.","start":2007.32,"end":2007.82,"sentiment":"neutral","sentiment_score":0.045758478343486786},{"text":"Yes.","start":2016.145,"end":2016.645,"sentiment":"neutral","sentiment_score":0.03477459400892258},{"text":"Mhmm.","start":2016.9451,"end":2017.4451,"sentiment":"neutral","sentiment_score":0.027630947530269623},{"text":"Let me have a quick look for you.","start":2024.1599,"end":2026.2599,"sentiment":"neutral","sentiment_score":0.011857068864628673},{"text":"Yes.","start":2029.5199,"end":2030.0199,"sentiment":"neutral","sentiment_score":0.041291408240795135}],"sentiment":"neutral","sentiment_score":0.020359331586708624,"num_words":12,"start":2007.32,"end":2030.0199},{"sentences":[{"text":"Yeah.","start":2030.1599,"end":2030.5599,"sentiment":"neutral","sentiment_score":0.04621018469333649},{"text":"Exactly.","start":2030.5599,"end":2031.0599,"sentiment":"neutral","sentiment_score":0.06866584718227386},{"text":"Yeah.","start":2031.12,"end":2031.2799,"sentiment":"neutral","sentiment_score":0.11119107902050018},{"text":"So 2025 in so in January, and then, obviously, it takes a little bit to get everything set up and and money to be rolled over and everything.","start":2031.2799,"end":2043.005,"sentiment":"neutral","sentiment_score":0.11006150474505765},{"text":"So so, yeah, just a little bit over a year, and it's done a pretty pretty good growth since then, again, given the market conditions in the last twelve months.","start":2043.005,"end":2056.1099,"sentiment":"positive","sentiment_score":0.38353238850831983}],"sentiment":"neutral","sentiment_score":0.24284853932798886,"num_words":61,"start":2030.1599,"end":2056.1099},{"sentences":[{"text":"So, yeah, we're we're quite happy with that.","start":2057.45,"end":2059.55,"sentiment":"positive","sentiment_score":0.5369724221527576},{"text":"Yeah.","start":2062.445,"end":2062.945,"sentiment":"neutral","sentiment_score":0.05838225781917572},{"text":"Any questions?","start":2063.085,"end":2063.985,"sentiment":"neutral","sentiment_score":0.03462137468159199},{"text":"No?","start":2065.805,"end":2066.305,"sentiment":"neutral","sentiment_score":0.01078898087143898},{"text":"Perfect.","start":2066.5251,"end":2067.0251,"sentiment":"positive","sentiment_score":0.4189513623714447}],"sentiment":"positive","sentiment_score":0.3733188252036388,"num_words":13,"start":2057.45,"end":2067.0251},{"sentences":[{"text":"Yeah.","start":2068.205,"end":2068.705,"sentiment":"neutral","sentiment_score":0.14928118884563446},{"text":"Now there is one investment that I would like to look at changing for you.","start":2069.085,"end":2073.825,"sentiment":"neutral","sentiment_score":0.0971800242861112},{"text":"Now so with your investments in hub twenty four, obviously, we invest in the long term.","start":2074.38,"end":2080.96,"sentiment":"neutral","sentiment_score":0.1357242101803422},{"text":"So we don't wanna just, like, buy and sell different things.","start":2081.02,"end":2083.74,"sentiment":"neutral","sentiment_score":0.08876328238032082},{"text":"We invest in the long term for your retirement.","start":2083.74,"end":2086.3198,"sentiment":"neutral","sentiment_score":0.17111268556780285}],"sentiment":"neutral","sentiment_score":0.12105729215993331,"num_words":52,"start":2068.205,"end":2086.3198},{"sentences":[{"text":"But at the same time, we want to be proactive that if there are, obviously, market changes and depending on what's happening, we wanna stay on top of everything.","start":2087.0151,"end":2097.595,"sentiment":"neutral","sentiment_score":0.18706903246970014},{"text":"And if we foresee one investment underperforming a little bit to what we were expecting or not doing as well as we would like, we also want to look at potentially changing it for another better option for you.","start":2097.655,"end":2111.9502,"sentiment":"neutral","sentiment_score":-0.19504296684112304},{"text":"So the good thing with hub twenty four is that there's hundreds of different options for us to choose from in making sure that we always have you in the best options possible for your retirement.","start":2112.435,"end":2123.2551,"sentiment":"positive","sentiment_score":0.5726873179276785},{"text":"So one of your investments, it's called Benelung Australian Equity that you have in your portfolio at the moment.","start":2124.5151,"end":2133.64,"sentiment":"neutral","sentiment_score":0.18954112498383774},{"text":"That one has underperformed a little bit.","start":2134.42,"end":2137.155,"sentiment":"neutral","sentiment_score":0.23104028403759003}],"sentiment":"neutral","sentiment_score":0.18195102340899982,"num_words":130,"start":2087.0151,"end":2137.155},{"sentences":[{"text":"So the investment committee do a lot of research on the investments to tryna find the best option, and we have found one that we would like to change it to if you are okay with it.","start":2138.115,"end":2154.45,"sentiment":"neutral","sentiment_score":0.10241545162893631},{"text":"So the Benelon that you currently have in your portfolio, it is an Australian investment, so they invest in the Australian market.","start":2154.8298,"end":2163.0898,"sentiment":"neutral","sentiment_score":0.04301491083407944},{"text":"And they're kind of trying to buy and sell investments pretty quickly to try to outperform the market.","start":2163.905,"end":2171.2048,"sentiment":"neutral","sentiment_score":-0.0020002776549922097},{"text":"And they have been really good, but recently, they've been a little bit slower in those choices.","start":2172.305,"end":2177.125,"sentiment":"neutral","sentiment_score":-0.1588046658126747},{"text":"So the investment committee have found a similar option.","start":2178.0999,"end":2182.1199,"sentiment":"neutral","sentiment_score":-0.05192165469957723}],"sentiment":"neutral","sentiment_score":0.01488078193901812,"num_words":103,"start":2138.115,"end":2182.1199},{"sentences":[{"text":"So in getting investing in the Australian market, because if we take one Australian investment out, we wanna make sure we still keep some Australian exposure through you.","start":2182.58,"end":2190.9,"sentiment":"neutral","sentiment_score":0.0849777472072414},{"text":"So we wanna make sure it's very diversified.","start":2190.9,"end":2192.76,"sentiment":"neutral","sentiment_score":0.15045278705656528},{"text":"So one investment they have found, it's one that's called beta shares a 200.","start":2193.665,"end":2200.405,"sentiment":"neutral","sentiment_score":0.0971247713480677},{"text":"Now, basically, what that is is that it invests in the 200 largest companies in Australia.","start":2201.105,"end":2209.07,"sentiment":"neutral","sentiment_score":0.11771979788318276},{"text":"They're obviously very diversified because it's not just in one company.","start":2209.6099,"end":2213.21,"sentiment":"neutral","sentiment_score":0.1591800566424023}],"sentiment":"neutral","sentiment_score":0.1113927715107218,"num_words":77,"start":2182.58,"end":2213.21},{"sentences":[{"text":"You're actually invested in 200 companies.","start":2213.21,"end":2215.8699,"sentiment":"neutral","sentiment_score":0.12816834822297096},{"text":"So if something were to happen to one company, it's not gonna impact everything because you do have 200 companies in that option.","start":2216.33,"end":2223.885,"sentiment":"neutral","sentiment_score":0.11590172577163448},{"text":"Does that make sense so far, Angeline?","start":2224.825,"end":2226.5251,"sentiment":"neutral","sentiment_score":0.0872621578829629},{"text":"Yes.","start":2227.545,"end":2228.045,"sentiment":"neutral","sentiment_score":0.1009993851184845},{"text":"Yes.","start":2228.585,"end":2228.905,"sentiment":"neutral","sentiment_score":0.19609852135181427}],"sentiment":"neutral","sentiment_score":0.11428112615095942,"num_words":38,"start":2213.21,"end":2228.905},{"sentences":[{"text":"Perfect.","start":2228.905,"end":2229.385,"sentiment":"positive","sentiment_score":0.4124315679073334},{"text":"So you will have all the big companies like their banks and BHP and Woolworths.","start":2229.385,"end":2234.63,"sentiment":"neutral","sentiment_score":0.3026180962721507},{"text":"So very diversified.","start":2234.93,"end":2236.15,"sentiment":"neutral","sentiment_score":0.29299384355545044},{"text":"Now what we have found with this option instead of Benelon is that it is a bit cheaper because instead of doing that kind of buying and selling quickly, it just tracks those 200 largest companies.","start":2236.93,"end":2250.065,"sentiment":"neutral","sentiment_score":0.31685517645544475},{"text":"So it's a little bit more simplified in that way.","start":2250.125,"end":2253.105,"sentiment":"neutral","sentiment_score":0.33097889423370364}],"sentiment":"neutral","sentiment_score":0.3161116898059845,"num_words":65,"start":2228.905,"end":2253.105},{"sentences":[{"text":"So it is a bit cheaper, which we'll obviously see their fees being reduced a little bit, which is great because that means they're gonna have more money in super.","start":2253.405,"end":2261.025,"sentiment":"positive","sentiment_score":0.7198960244655609},{"text":"This also performed a little bit better as well.","start":2261.91,"end":2264.8098,"sentiment":"positive","sentiment_score":0.6803769932852851},{"text":"So if you are happy for us to do that, we would like to look at changing the bend along or this a 200 option if you are okay with that.","start":2265.43,"end":2277.405,"sentiment":"positive","sentiment_score":0.34489457934133466},{"text":"Yeah.","start":2279.405,"end":2279.905,"sentiment":"neutral","sentiment_score":0.2041897773742676},{"text":"Perfect.","start":2280.045,"end":2280.545,"sentiment":"positive","sentiment_score":0.536698043346405}],"sentiment":"positive","sentiment_score":0.5437901868588395,"num_words":72,"start":2253.405,"end":2280.545},{"sentences":[{"text":"Yeah.","start":2281.245,"end":2281.745,"sentiment":"positive","sentiment_score":0.5062417387962341},{"text":"Now what I will do just for your information, you don't have to sign it or anything like that, but I will email you probably in the next couple of days.","start":2282.285,"end":2292.1199,"sentiment":"neutral","sentiment_score":0.1674845713761545},{"text":"It is called a record of advice.","start":2292.1199,"end":2294.6199,"sentiment":"neutral","sentiment_score":0.13688401665006364},{"text":"It is just so that you have in writing as well that they change.","start":2295.16,"end":2300.2,"sentiment":"neutral","sentiment_score":0.16297539483223641},{"text":"So just from Benelon to 8200.","start":2300.2,"end":2302.6199,"sentiment":"neutral","sentiment_score":0.12994371354579926}],"sentiment":"neutral","sentiment_score":0.16470795554124704,"num_words":59,"start":2281.245,"end":2302.6199},{"sentences":[{"text":"Like I said, you don't need to change it or you don't need to sign it or anything, but it's just there for your reference so that you know.","start":2302.76,"end":2309.7349,"sentiment":"neutral","sentiment_score":0.154147293033271},{"text":"Does that make sense?","start":2310.275,"end":2311.335,"sentiment":"neutral","sentiment_score":0.1798207014799118},{"text":"Yeah.","start":2311.4749,"end":2311.9749,"sentiment":"neutral","sentiment_score":0.14221204817295074},{"text":"Perfect.","start":2312.035,"end":2312.535,"sentiment":"positive","sentiment_score":0.3475046157836914},{"text":"Now not too many other documents to go, but what is the next one?","start":2313.4749,"end":2317.315,"sentiment":"neutral","sentiment_score":0.09481709184391159}],"sentiment":"neutral","sentiment_score":0.14299408680930428,"num_words":49,"start":2302.76,"end":2317.315},{"sentences":[{"text":"If you press next for me, what can you see?","start":2317.315,"end":2320.99,"sentiment":"neutral","sentiment_score":0.03233739212155342},{"text":"Yep.","start":2324.97,"end":2325.3699,"sentiment":"neutral","sentiment_score":0.1042204648256302},{"text":"So that one here, it basically just breaks down your insurances again, but in a little bit more information.","start":2325.3699,"end":2331.55,"sentiment":"neutral","sentiment_score":0.11333135005674864},{"text":"But let's see if that's all paid and up to date, essentially.","start":2332.345,"end":2335.165,"sentiment":"neutral","sentiment_score":0.13621895449856916},{"text":"Yep.","start":2337.7852,"end":2338.2852,"sentiment":"neutral","sentiment_score":0.07366994023323059}],"sentiment":"neutral","sentiment_score":0.09974854491477789,"num_words":43,"start":2317.315,"end":2338.2852},{"sentences":[{"text":"And if you click next for me.","start":2338.5051,"end":2340.5251,"sentiment":"neutral","sentiment_score":0.04813799315265247},{"text":"Yes.","start":2348.28,"end":2348.78,"sentiment":"neutral","sentiment_score":-0.11123638600111008},{"text":"No.","start":2350.8398,"end":2351.3398,"sentiment":"neutral","sentiment_score":-0.19801652431488037},{"text":"I've never seen something like this before.","start":2351.48,"end":2353.74,"sentiment":"neutral","sentiment_score":-0.17945043529782975},{"text":"Okay.","start":2356.695,"end":2357.195,"sentiment":"neutral","sentiment_score":-0.09649490565061568}],"sentiment":"neutral","sentiment_score":-0.07793734770487337,"num_words":17,"start":2338.5051,"end":2357.195},{"sentences":[{"text":"No.","start":2359.495,"end":2359.995,"sentiment":"neutral","sentiment_score":-0.06177916377782822},{"text":"So, basically, what it is is it shows us the different asset classes in the market and how they've moved over time.","start":2360.215,"end":2369.73,"sentiment":"neutral","sentiment_score":0.011234698139808395},{"text":"But for example, it's it's it's a good visual representation of what we are talking about when we are talking about the market because it shows you all the ups and downs of the market.","start":2370.53,"end":2382.55,"sentiment":"neutral","sentiment_score":0.08813174058284079},{"text":"Now this one here goes all the way back from 1995 through to 2025.","start":2383.09,"end":2391.215,"sentiment":"neutral","sentiment_score":0.04011470980809203},{"text":"And then you have all the different kind of major events that happen in the world, and that you can then see kind of correlate sometimes with those kind of up and down movement.","start":2391.7551,"end":2400.735,"sentiment":"neutral","sentiment_score":-0.006658021031933672}],"sentiment":"neutral","sentiment_score":0.03401158809363139,"num_words":106,"start":2359.495,"end":2400.735},{"sentences":[{"text":"Now you can see that some obviously fluctuate and grow a lot more than others.","start":2403.99,"end":2410.1702,"sentiment":"neutral","sentiment_score":0.071601818750302},{"text":"So Yes.","start":2411.51,"end":2415.545,"sentiment":"neutral","sentiment_score":0.22924309223890305},{"text":"Exactly.","start":2416.885,"end":2417.385,"sentiment":"neutral","sentiment_score":0.15107187628746033},{"text":"You actually have you actually have quite quite a bit in this.","start":2419.125,"end":2422.085,"sentiment":"neutral","sentiment_score":0.09415816329419613},{"text":"We don't want everything, obviously, because you don't want everything in in one section, but you do have quite a bit still in The US market, which is great.","start":2422.085,"end":2431.6401,"sentiment":"neutral","sentiment_score":0.13015770600659066}],"sentiment":"neutral","sentiment_score":0.11166197924985219,"num_words":59,"start":2403.99,"end":2431.6401},{"sentences":[{"text":"So, basically, with your portfolio, we have a lot of different risk profiles to match both how you feel about fluctuations, but also how much time you have in the market.","start":2431.6401,"end":2443.195,"sentiment":"neutral","sentiment_score":0.10848560256342735},{"text":"So at the moment, we have you invested in a high growth portfolio.","start":2443.655,"end":2448.875,"sentiment":"neutral","sentiment_score":0.12085643296058361},{"text":"Do you remember what a high growth investor, what it means at all?","start":2450.0552,"end":2453.915,"sentiment":"neutral","sentiment_score":0.07936981435005482},{"text":"Yeah.","start":2455.6,"end":2456.0,"sentiment":"neutral","sentiment_score":0.1080147624015808},{"text":"Yeah.","start":2456.0,"end":2456.5,"sentiment":"neutral","sentiment_score":0.15004540979862213}],"sentiment":"neutral","sentiment_score":0.10549245875770763,"num_words":59,"start":2431.6401,"end":2456.5},{"sentences":[{"text":"So, basically, it tells me simply that you are wanting to grow your super as much as possible before retirement while you still have, you know, plenty of time until you decide to retire, but also that you understand that there will be some of these ups and downs market fluctuations in the short term for it.","start":2456.72,"end":2476.935,"sentiment":"neutral","sentiment_score":0.144000729317205},{"text":"So when we are then looking at how your money is invested currently in a high growth portfolio, we see 90% in what we call your growth assets.","start":2477.475,"end":2490.39,"sentiment":"neutral","sentiment_score":0.1419408536915268},{"text":"Now this is a combination of the top four.","start":2491.01,"end":2495.43,"sentiment":"neutral","sentiment_score":0.13730177366071278},{"text":"So that includes US shares, which you can see grow the most, but also fluctuates.","start":2495.89,"end":2500.725,"sentiment":"neutral","sentiment_score":0.14209581315517425},{"text":"You can then see the kind of darker green line, which is your Australian share.","start":2501.745,"end":2506.965,"sentiment":"neutral","sentiment_score":0.1251192847887675}],"sentiment":"neutral","sentiment_score":0.14053490247216918,"num_words":124,"start":2456.72,"end":2506.965},{"sentences":[{"text":"You also have yellow, which is your international share, and your property, that kind of maroon color.","start":2509.2651,"end":2517.02,"sentiment":"neutral","sentiment_score":0.21946557304438422},{"text":"So you have majority of your money combined in those top four, which is to obviously grow that super for you while you still have plenty of time.","start":2517.4802,"end":2526.54,"sentiment":"positive","sentiment_score":0.3529897300260408},{"text":"But then we but then we also want a little bit of that defensive to limit fluctuations a little bit, but not too much.","start":2527.545,"end":2535.4648,"sentiment":"neutral","sentiment_score":0.09484055296828349},{"text":"So we have about 10% in those bottom three.","start":2535.4648,"end":2539.085,"sentiment":"neutral","sentiment_score":0.1536903828382492},{"text":"Limit fluctuations to stabilize things a little bit when there are fluctuations.","start":2539.51,"end":2543.85,"sentiment":"neutral","sentiment_score":0.11884440543750922}],"sentiment":"neutral","sentiment_score":0.20777940849463145,"num_words":90,"start":2509.2651,"end":2543.85},{"sentences":[{"text":"But, again, that's just kind of about 10%.","start":2545.1902,"end":2547.9302,"sentiment":"neutral","sentiment_score":0.13788973167538643},{"text":"Majority is in those top to grow that super.","start":2547.99,"end":2551.61,"sentiment":"neutral","sentiment_score":0.2361625540587637},{"text":"Now what we also factor in is time.","start":2552.805,"end":2556.265,"sentiment":"neutral","sentiment_score":0.07362793432548642},{"text":"Because you can obviously see here that if you were to be retiring tomorrow, we might wanna look at reducing the risk exposure so it's not like a big drop at the time.","start":2556.405,"end":2568.72,"sentiment":"neutral","sentiment_score":0.10587958912506248},{"text":"While you still have time for retirement, you can take advantage of this little up and down to grow it.","start":2569.02,"end":2574.56,"sentiment":"positive","sentiment_score":0.34187270030379296}],"sentiment":"neutral","sentiment_score":0.18139852258639458,"num_words":78,"start":2545.1902,"end":2574.56},{"sentences":[{"text":"So in a high growth portfolio, we ideally like to see about eight years till retirement, making sure you have enough time for these ups and downs.","start":2575.1802,"end":2585.035,"sentiment":"neutral","sentiment_score":0.2537287054238496},{"text":"What you do have at the moment, if you are still kind of comfortable with the way things are going and tracking for you and your current high growth portfolio, Evangeline.","start":2586.055,"end":2595.595,"sentiment":"neutral","sentiment_score":0.20786830374310095},{"text":"Yep.","start":2597.21,"end":2597.71,"sentiment":"neutral","sentiment_score":0.32232511043548584},{"text":"Beautiful.","start":2597.8499,"end":2598.3499,"sentiment":"positive","sentiment_score":0.5964545011520386},{"text":"Does this kind of make sense?","start":2598.41,"end":2599.77,"sentiment":"positive","sentiment_score":0.3350527087847392}],"sentiment":"neutral","sentiment_score":0.2458134594966065,"num_words":66,"start":2575.1802,"end":2599.77},{"sentences":[{"text":"Like, sometimes it's a bit messy, but I find it's a good way to kind of look at things from a larger scale.","start":2599.77,"end":2606.75,"sentiment":"neutral","sentiment_score":0.2867045195206352},{"text":"Yeah.","start":2608.905,"end":2609.405,"sentiment":"neutral","sentiment_score":0.06976296007633209},{"text":"No.","start":2612.665,"end":2613.165,"sentiment":"neutral","sentiment_score":-0.10043404996395112},{"text":"Oh, beautiful.","start":2613.705,"end":2614.605,"sentiment":"positive","sentiment_score":0.33940139412879944},{"text":"Now if you can press next for me so we're almost at the end.","start":2616.2651,"end":2619.725,"sentiment":"neutral","sentiment_score":0.1218642805303846}],"sentiment":"neutral","sentiment_score":0.2182545262139018,"num_words":41,"start":2599.77,"end":2619.725},{"sentences":[{"text":"Yes.","start":2627.8,"end":2628.3,"sentiment":"neutral","sentiment_score":0.05579745769500733},{"text":"So you probably split the final last year, but it is just a bit of an updated version.","start":2628.52,"end":2635.555,"sentiment":"neutral","sentiment_score":0.06334295289383994},{"text":"So this is our financial services guide, and it just gives you all the important information in regards to us here at Oakview.","start":2635.615,"end":2644.4348,"sentiment":"neutral","sentiment_score":0.15995461914850317},{"text":"None of the important information has changed.","start":2644.895,"end":2648.115,"sentiment":"neutral","sentiment_score":0.01069746698651995},{"text":"But we've had a bit of an extension to the team, which is good, and also a bit of an updated marketing to what you potentially saw last year.","start":2649.2798,"end":2658.5798,"sentiment":"neutral","sentiment_score":0.2565604119465269}],"sentiment":"neutral","sentiment_score":0.15884693673787972,"num_words":78,"start":2627.8,"end":2658.5798},{"sentences":[{"text":"But if you scroll through, you will see as you go through and I'll let you have a read over this in your own time so I don't keep you for too long.","start":2658.7998,"end":2667.805,"sentiment":"neutral","sentiment_score":0.14732783355496146},{"text":"You will see all the directors and our advisers.","start":2668.105,"end":2671.165,"sentiment":"neutral","sentiment_score":0.17772267758846283},{"text":"And if you want to scroll down to page 10, you will actually see a photo of myself.","start":2671.625,"end":2679.52,"sentiment":"neutral","sentiment_score":0.15644381236698893},{"text":"And sometimes it's nice to put a face to the voice.","start":2679.6602,"end":2682.6401,"sentiment":"neutral","sentiment_score":0.18293661827390845},{"text":"Yes.","start":2686.22,"end":2686.72,"sentiment":"neutral","sentiment_score":0.02603847347199917}],"sentiment":"neutral","sentiment_score":0.15716184031528732,"num_words":72,"start":2658.7998,"end":2686.72},{"sentences":[{"text":"Page 10.","start":2687.26,"end":2688.24,"sentiment":"neutral","sentiment_score":0.00988183356821537},{"text":"No.","start":2705.8298,"end":2706.3298,"sentiment":"neutral","sentiment_score":-0.03447282314300537},{"text":"Oh, so you've scrolled one page too far.","start":2707.0298,"end":2709.0298,"sentiment":"neutral","sentiment_score":0.011751102516427636},{"text":"So go up one page.","start":2709.0298,"end":2710.3298,"sentiment":"neutral","sentiment_score":0.006294635869562626},{"text":"Yeah.","start":2712.95,"end":2713.3499,"sentiment":"neutral","sentiment_score":0.17016856372356415}],"sentiment":"neutral","sentiment_score":0.01652596512918963,"num_words":17,"start":2687.26,"end":2713.3499},{"sentences":[{"text":"That's me.","start":2713.3499,"end":2714.25,"sentiment":"positive","sentiment_score":0.35838890075683594},{"text":"Oh, thank you.","start":2715.585,"end":2717.365,"sentiment":"positive","sentiment_score":0.6726879080136617},{"text":"And sometimes, yeah, sometimes it's nice to see, especially as we're doing things over the phone.","start":2718.865,"end":2723.9849,"sentiment":"neutral","sentiment_score":0.3242749907076359},{"text":"It's nice to see, you know, who who you're talking to as well, make it a bit more personal.","start":2723.9849,"end":2728.405,"sentiment":"positive","sentiment_score":0.3908847993925998},{"text":"Yeah.","start":2730.34,"end":2730.84,"sentiment":"positive","sentiment_score":0.3635171949863434}],"sentiment":"positive","sentiment_score":0.3832577990322578,"num_words":41,"start":2713.3499,"end":2730.84},{"sentences":[{"text":"No.","start":2732.26,"end":2732.58,"sentiment":"neutral","sentiment_score":0.1597341001033783},{"text":"That's okay.","start":2732.58,"end":2733.56,"sentiment":"positive","sentiment_score":0.4770703613758087},{"text":"Yes.","start":2734.26,"end":2734.76,"sentiment":"neutral","sentiment_score":0.31565454602241516},{"text":"Oh, thank you.","start":2735.78,"end":2736.84,"sentiment":"positive","sentiment_score":0.39866167306900024},{"text":"Yes.","start":2738.58,"end":2739.08,"sentiment":"neutral","sentiment_score":0.2151808738708496}],"sentiment":"positive","sentiment_score":0.35508690774440765,"num_words":8,"start":2732.26,"end":2739.08},{"sentences":[{"text":"Yeah.","start":2743.5552,"end":2744.0552,"sentiment":"neutral","sentiment_score":0.2855244576931},{"text":"Yeah.","start":2745.475,"end":2745.975,"sentiment":"positive","sentiment_score":0.3525152802467346},{"text":"Yes.","start":2747.5552,"end":2748.0552,"sentiment":"neutral","sentiment_score":0.2539554536342621},{"text":"And that's so good because, yeah, you work hard.","start":2748.3552,"end":2750.435,"sentiment":"positive","sentiment_score":0.5057322647836473},{"text":"You wanna make sure that your hard work is doing the right thing and that, you know, when you do retire, you can live comfortably.","start":2750.435,"end":2756.4302,"sentiment":"positive","sentiment_score":0.5221965277194976}],"sentiment":"positive","sentiment_score":0.4999594261517396,"num_words":37,"start":2743.5552,"end":2756.4302},{"sentences":[{"text":"So that's really good, and that's what we're here to do.","start":2756.6501,"end":2759.77,"sentiment":"positive","sentiment_score":0.589011549949646},{"text":"And also help educate you and make you make the best decisions for yourself at the end of the day.","start":2759.77,"end":2765.385,"sentiment":"positive","sentiment_score":0.4866681292653084},{"text":"Yeah.","start":2767.385,"end":2767.885,"sentiment":"neutral","sentiment_score":0.08929350227117538},{"text":"No.","start":2768.425,"end":2768.665,"sentiment":"neutral","sentiment_score":0.011911788955330849},{"text":"That's okay.","start":2768.665,"end":2769.565,"sentiment":"neutral","sentiment_score":0.045144704170525074}],"sentiment":"positive","sentiment_score":0.4686852666948523,"num_words":35,"start":2756.6501,"end":2769.565},{"sentences":[{"text":"Now the next two documents, it will ask you to add a little signature if you are happy to do so.","start":2770.5051,"end":2777.085,"sentiment":"neutral","sentiment_score":0.04909044069548448},{"text":"So if you press next for me, you should have the first one first where it says hub 24 consent to new ongoing fee.","start":2777.145,"end":2789.02,"sentiment":"neutral","sentiment_score":0.03400858025997877},{"text":"Can you see that one?","start":2789.56,"end":2790.765,"sentiment":"neutral","sentiment_score":0.025863582640886305},{"text":"Yes.","start":2791.1648,"end":2791.6648,"sentiment":"neutral","sentiment_score":0.10354787111282349},{"text":"Yep.","start":2791.885,"end":2792.385,"sentiment":"neutral","sentiment_score":0.11946149915456772}],"sentiment":"neutral","sentiment_score":0.04229677815993245,"num_words":52,"start":2770.5051,"end":2792.385},{"sentences":[{"text":"So this one here basically says that you are happy to stay on as a client.","start":2792.845,"end":2797.345,"sentiment":"neutral","sentiment_score":0.19101262046024203},{"text":"Now there is no changes whatsoever in regards to the fee structure.","start":2798.045,"end":2802.865,"sentiment":"neutral","sentiment_score":0.04401248941818873},{"text":"Because Steven is a client as well, you guys are both on a reduced fee, which is good.","start":2803.6199,"end":2809.16,"sentiment":"neutral","sentiment_score":0.21558347096045813},{"text":"So that stays exactly the same at 1.1% from.","start":2809.2998,"end":2814.2798,"sentiment":"neutral","sentiment_score":0.20576219922966427},{"text":"So no changes or increases at all in regards to that fee structure, and it is also not a lock in contract.","start":2814.5798,"end":2822.045,"sentiment":"neutral","sentiment_score":0.08240446956320242}],"sentiment":"neutral","sentiment_score":0.14454042079386772,"num_words":77,"start":2792.845,"end":2822.045},{"sentences":[{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":2822.185,"end":2827.085,"sentiment":"neutral","sentiment_score":-0.006961512793269422},{"text":"But, otherwise, by signing this document, it allows us to manage and service your account and your investments and everything for you in the meantime.","start":2827.545,"end":2836.3398,"sentiment":"neutral","sentiment_score":0.20887141913175583},{"text":"Thank you.","start":2839.8398,"end":2840.56,"sentiment":"positive","sentiment_score":0.7117267549037933},{"text":"So it will ask mhmm.","start":2840.56,"end":2842.82,"sentiment":"neutral","sentiment_score":0.09216518029570579},{"text":"Yep.","start":2845.855,"end":2846.355,"sentiment":"neutral","sentiment_score":0.04437459632754326}],"sentiment":"neutral","sentiment_score":0.13774769128683736,"num_words":51,"start":2822.185,"end":2846.355},{"sentences":[{"text":"Yes.","start":2848.0151,"end":2848.495,"sentiment":"neutral","sentiment_score":0.02903914451599121},{"text":"Sorry.","start":2848.495,"end":2848.895,"sentiment":"neutral","sentiment_score":-0.0024718064814805984},{"text":"It will ask you to draw, scribble a little signature.","start":2848.895,"end":2851.635,"sentiment":"neutral","sentiment_score":0.003534901607781649},{"text":"If it take you to next, can you see the is this a tax file number option to provide tax fund number?","start":2865.47,"end":2873.2249,"sentiment":"neutral","sentiment_score":0.028664276850494472},{"text":"Yep.","start":2876.165,"end":2876.665,"sentiment":"neutral","sentiment_score":0.0545116625726223}],"sentiment":"neutral","sentiment_score":0.021344060211309364,"num_words":35,"start":2848.0151,"end":2876.665},{"sentences":[{"text":"So that probably yep.","start":2876.7249,"end":2878.905,"sentiment":"neutral","sentiment_score":0.051988305523991585},{"text":"Yes.","start":2880.2449,"end":2880.7449,"sentiment":"neutral","sentiment_score":0.12310104072093964},{"text":"So this is just just a compliance form, but it just says that we are keeping a tax fund number secure and safe on file.","start":2880.885,"end":2887.5698,"sentiment":"neutral","sentiment_score":0.1580153787136078},{"text":"Yes.","start":2894.1099,"end":2894.6099,"sentiment":"neutral","sentiment_score":0.10029613226652144},{"text":"Yes.","start":2897.565,"end":2898.065,"sentiment":"neutral","sentiment_score":0.09851711988449097}],"sentiment":"neutral","sentiment_score":0.14000787446275353,"num_words":32,"start":2876.7249,"end":2898.065},{"sentences":[{"text":"Yes.","start":2898.125,"end":2898.625,"sentiment":"neutral","sentiment_score":0.07864230871200562},{"text":"Yes.","start":2905.085,"end":2905.585,"sentiment":"neutral","sentiment_score":0.042172595858573914},{"text":"Correct.","start":2907.485,"end":2907.985,"sentiment":"neutral","sentiment_score":0.10262592881917952},{"text":"Yes.","start":2908.365,"end":2908.865,"sentiment":"neutral","sentiment_score":0.10621753334999084},{"text":"Yes.","start":2910.1199,"end":2910.44,"sentiment":"neutral","sentiment_score":0.16455364227294922}],"sentiment":"neutral","sentiment_score":0.09884240180253982,"num_words":5,"start":2898.125,"end":2910.44},{"sentences":[{"text":"I will get my team, so I will get my team to email, both of you.","start":2910.44,"end":2916.1199,"sentiment":"neutral","sentiment_score":0.16578026115894318},{"text":"So I will get my team.","start":2916.1199,"end":2917.3198,"sentiment":"neutral","sentiment_score":0.1842085818449656},{"text":"It will be my colleague, Whitlam, who you will get the email from, And I will let him know to send email you those beneficiary forms as soon as possible so that you have them so we can get that sorted, and then send another one for for both of you with the lawyer information.","start":2917.3198,"end":2934.035,"sentiment":"neutral","sentiment_score":0.1802117960019545},{"text":"So, again, you have pricing and everything.","start":2934.8901,"end":2936.99,"sentiment":"neutral","sentiment_score":0.094953111239842},{"text":"If you guys do decide, that is something you wanna have a look at.","start":2937.45,"end":2940.6702,"sentiment":"neutral","sentiment_score":0.10099692961999349}],"sentiment":"neutral","sentiment_score":0.1606940126844815,"num_words":98,"start":2910.44,"end":2940.6702},{"sentences":[{"text":"Yeah.","start":2942.1702,"end":2942.6702,"sentiment":"neutral","sentiment_score":0.3086388409137726},{"text":"Yeah.","start":2942.73,"end":2943.23,"sentiment":"neutral","sentiment_score":0.27944427728652954},{"text":"And then yeah.","start":2943.53,"end":2946.97,"sentiment":"positive","sentiment_score":0.4739682674407959},{"text":"That's what we're here to do.","start":2946.97,"end":2948.335,"sentiment":"positive","sentiment_score":0.385089635848999},{"text":"And, you know, if at any point in time you need anything, don't hesitate to give us a call or or send me an email.","start":2948.335,"end":2955.475,"sentiment":"neutral","sentiment_score":0.26430319547653197}],"sentiment":"neutral","sentiment_score":0.30355848951472175,"num_words":36,"start":2942.1702,"end":2955.475},{"sentences":[{"text":"You can do it whenever you want to.","start":2956.0151,"end":2957.5352,"sentiment":"positive","sentiment_score":0.3386349342763424},{"text":"It doesn't have to be under review time.","start":2957.5352,"end":2959.2952,"sentiment":"neutral","sentiment_score":0.21849920600652695},{"text":"So if there's anything you need, just don't hesitate to give us a call.","start":2959.2952,"end":2963.2952,"sentiment":"neutral","sentiment_score":0.25404470626796993},{"text":"Okay?","start":2963.2952,"end":2963.7952,"sentiment":"neutral","sentiment_score":0.21535952389240265},{"text":"Yeah.","start":2965.8298,"end":2966.3298,"sentiment":"positive","sentiment_score":0.4998007416725158}],"sentiment":"neutral","sentiment_score":0.2727768523618579,"num_words":32,"start":2956.0151,"end":2966.3298},{"sentences":[{"text":"No problem.","start":2967.19,"end":2968.01,"sentiment":"neutral","sentiment_score":0.22537114471197128},{"text":"Well, I will let you go and enjoy the rest of your afternoon unless you have any other questions for me.","start":2968.47,"end":2974.5698,"sentiment":"positive","sentiment_score":0.4718637736070724},{"text":"And it was lovely speaking with you today.","start":2974.95,"end":2976.97,"sentiment":"positive","sentiment_score":0.8239705786108971},{"text":"Mhmm.","start":2978.665,"end":2979.165,"sentiment":"neutral","sentiment_score":0.15985846519470215},{"text":"Yes.","start":2981.305,"end":2981.805,"sentiment":"neutral","sentiment_score":0.16693267226219177}],"sentiment":"positive","sentiment_score":0.5235890091368647,"num_words":33,"start":2967.19,"end":2981.805},{"sentences":[{"text":"Yep.","start":2982.185,"end":2982.685,"sentiment":"neutral","sentiment_score":0.20129752159118652},{"text":"I have seen it's all been signed.","start":2983.065,"end":2984.665,"sentiment":"positive","sentiment_score":0.3937817705529077},{"text":"And if you ever wanna go back and have a read over them, it is saved there for you if you ever go back into the email.","start":2984.665,"end":2990.525,"sentiment":"neutral","sentiment_score":0.2606080483507227},{"text":"If you have any issues, though, you can just email me or give us a call because we always keep all the copies on file if you do wanna go back and have a look at them at any point in time as well.","start":2990.78,"end":3000.72,"sentiment":"neutral","sentiment_score":0.19700602518225258},{"text":"Yep.","start":3001.74,"end":3002.2168,"sentiment":"positive","sentiment_score":0.619229257106781}],"sentiment":"neutral","sentiment_score":0.24102101982571184,"num_words":80,"start":2982.185,"end":3002.2168},{"sentences":[{"text":"No.","start":3003.4167,"end":3003.9167,"sentiment":"neutral","sentiment_score":0.2613413333892822},{"text":"No.","start":3004.7769,"end":3005.0967,"sentiment":"neutral","sentiment_score":0.32344621419906616},{"text":"No problem.","start":3005.0967,"end":3005.817,"sentiment":"positive","sentiment_score":0.5842765271663666},{"text":"I look forward to speaking with you soon again, and I hope you enjoy the rest of your 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Thank you. Yes. Thank you for calling me. Yes. Who am I talking to? This is Oakview Financial. Yes? Okay. Yes. 03/01/1972. Evangeline Apollona. 10 Coral Way, Greenfield, WA 62 ten. Yes. Always. Yeah. We're just find out where where we're up to at the moment. Correct. Correct. That's correct. Yes. I'm still there. Yeah. At the moment, it's not very high, though. Let's have a look my pay slip. The last pay slip I have was, I think, only $9.50 a week. I'm sorry. You there? I just have a look. I just opened my payslip here. Bear with me, please. Oh my god. Wait. I can't find it. Too many junk mail. Too many junk mail at the moment. Oh my goodness. That's the only thing with the email. Oh, no. Yeah. That's it. It depends on my overtime. Sometime, it ranges from over 1,000 a week to gross around $9.54, including my salary sacrifice for my super. Yeah. Around that. Around around, over 1,000, the lowest around $9.59 54. After tax, yes. It's $9.54.64 depending on overtime. If I I if I work including weekends, it rains to over 1,000. It depends on my shift. Yeah. That is after tax and after my salary sacrifice for my super. It's still the same. $50 a week. I think our company are around 11%. Oh, you let me know because I haven't checked in with my company how much they're paying on super. You let me know if they pay me like that. That yeah. That'd be lovely. My last pay was, as I said to you, is $9.05 4.64. If you can check me how much percentage they pay me on my sofa on that one. Which is that being done on the twenty two zero six twenty six to twenty eight zero six twenty six. And that would be paid on date 01/07/2026 on my bank. I don't really say that on our payslip one day how much percentage that pay on Super. Yeah. But I believe on July 1, I believe that they should pay the same time as I get paid. Is that correct? That's correct. So my question is, are you able to check-in if they're paying me 11% or 12% on the salary that I have given to you? Alright. Hey. Very good news. It pays my hard work. Oh my god. We worked so hard so hard in that. In my company, we work always always so hard. Yes. Yeah. Yeah. Very good. Very good. Okay. I went I went really a bit treating myself. So I I I bought a car, but I'm paying it. I'm paying it I think it's 133 a week. So my total loan is around 30,000, but a bit less now. Maybe maybe around I don't know how much percentage I have paid, but it's nearly a year. So I would say it might be 29 now. I'm not sure. Yeah. No. Our cars on this base is crazy. I don't know how much value they dropped. They dropped so fast. You you got you you'd be surprised. I would I would say between $17,500 to 24. Yeah. No. I have a sick I have a sick pay. I think I got around I owe around 1,000 on that one. I got mortgage. I tell you. My mortgage is arm and my leg. Oh my god. You'll be well, roughly, our mortgage is on the around $2.03, $404,100 50. Oh, that's a good question. With my thinking, not only I'm not a real estate expert, but on value on this day, it's maybe around $9.50. Oh, I don't know. I don't know. But by the time we pay, I don't know. We're in our age with our age, I don't know how we gonna get through it, but we we're getting through every day. We don't think about it. That's all. Yeah. Yeah. Yeah. Everyone has mortgage, so we just don't think about it. Otherwise, we we all go gray hair. Oh, that's right. Yeah. That's right. I'm not a smoker. Not really. Just pain and eggs after work. Just pain pain because of the repetitive the, you know, the repetitive movement of your body. You know? That's all. Yeah. I we do. I still have sold his investment property to renovate our house, and thanks god it's finished. They renovate our house, and I think that's about it. Yeah. He did sell it to the the renovation. No. Actually, we don't. Yeah. We should think about that. We don't at the moment. Actually, I don't wanna say no and but I would like to say yes. But I also want to get my partner to to be involved with that because I just don't wanna do it on my own. So because Steven is my partner is in Oakview Financial as well. He brought me to Oakview. That's why I end up in Oakview. So I think it's it's also good if you could email Steven towards the yeah. That sounds great. Yeah. I did send it through. I did send it through, actually. Oh, since since I joined, they send me I think after I settled with AltView, they send me this beneficiary document, and then I send it back. It's haven't been received? Oh. I don't have access on a printed phone. Oh, that will be great. It's been a long time. I actually they asked me to register. Like, I I have to how do you call this wrong? Like, I have to go to Justice of Peace just to get it signed and send it back to you guys. Okay. Yeah. Well, that's the reason why I I went to Justice of Peace to get it witnessed, and I send it back. And now you're telling me there is no nomination. That's why I'm I said, oh, what's going on there? Yes, please. Thank you. Yes, please. Thank you very much. Well, I'm always working towards hard on focusing on to get my daughter finished at school. And with Steve's support, we're we're in it together. That's our really main goal is just to get her through schooling. And then after that, we can take it easy. Yeah. But at the moment, she's only 13. She's turning 14. Yeah. Yeah. That's right. I'll be hopefully, when she finishes school, we can go for holiday. Well, I I really like to meet her his family in England because I haven't been to England that way, and it's cost a lot of money to get there. So that's one of our in our bucket list. Yeah. Yeah. Because he have met my family. We went to Philippines already. And Philippines are less cost to get to see my family from Australia. Yeah. And cheaper. But going to England, we have to really save money to go there. Yep. Yep. So it's in our bucket list where we're still we're still going. Yeah. Oh, look. I I really like to keep going until I keep going. Whenever I you know, if my body can keep going until I'm 70, I'm going. You know? Yeah. Yeah. Well, the cost of living on these days now, I don't know how can you stop. Yeah. My god. My my $9.50 my $9.50 a week on these days now is like, boom. Bye. See you later. I reckon I reckon because right now I said, oh my god. And and plus on these days now, it's we're not book bill. We we just I don't know. They changed. Government has changed. Only causation card can go book bill, but, like, people like us, we're not book bill, so that makes it add up pressure on us. Otherwise, yes. Yeah. That that is okay. That is okay. Better than nothing. But I think by the time I retired, might be 1,500. Yeah. Yes. I do. Okay. Now what what am I looking at? Right now, I'm on my I don't have it right now, actually. I'll have a look on my on my how do you call this one? Oh, signature. I just have to run signature. Oh, why it's not coming? Yeah. I I got it says here, hi, Evangeline. We hope you have been well. Please find out that's important document following annual review. And here's here a signature. Yeah. Okay. Okay. Yeah. I have here superannuation member number, and I have the insurance policy. Say again? Sorry. I lost you. That is summary of superannuation and insurance as of July 6. Yes. No. That is still good. Yeah. That's right. Nothing else. Oh, yeah. The Nexo. Thank you for that. Yeah. Thank you for that. Yes. At the moment, I have this first four months with IRR. Oh, yes. Yes. Because I can see my total when I joined when I joined the what do you call this one, the hub, is the money there is sitting $4.99. Then maybe over the is that over a year now since I've been with the hub? Yeah. No. No question. It's doing good. Yeah. Yes. Yes. I'm with you. Yeah. Sure thing. Within yeah. Thank you. Okay. Thank you. Yes. Yes. Certificate of currency. That's right. Yes. Oh, this is to $20.25 Vanguard and Dexcharge? Well, I don't know. I don't understand this very well. Only in the news, but I am not really yes. Correct. Loan. Loan. I like this one, the US chair. Can you pull me one of that? Yes. Yes. That's right. That's right. Yes. No. I'm with you. I I thank you for educating me this, but but I am with you. Okay. Thank you. And it say here is off view service guide. Page 10, did you say? Page 10. Where are you, page 10? I want to see you. Page 10. Oh, I can only see 12. So page 10 would be you're beside to the gentleman. Emily. Okay. Veronica. Oh, you're so beautiful. Okay. Okay. Right. Yeah. Lovely. Thank you for that. Yeah. Lovely to make you're so beautiful. Thank you for going through with me with all my super. This is the hard work I ever had for all my life, I think. Super. I'm glad we have super in Australia. Yeah. That's correct. Thank you very much. Arrangement. Yeah. That's right. Yeah. Alright. Lovely. So I I have clicked next, and it came to sign all. Sign all. On. Yeah. And the date, next. Is that done? Tax file number. Yeah. DCN. Signature as well. And the date. Yeah. But I would like to to get the phone for beneficiary so that is on place for me. And, also, the you will email myself and Steve regarding the wheel place. Yeah. Yeah. That that's great. Yeah. I'm so glad you guys look everything for us. Okay. I will do that. Thank you very much. Okay. Same to you. So is everything all good now? It's been fine and everything? Oh, lovely. Okay. Lovely. Thank you so much. Thank you for giving me a call. Thank you. Okay. 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good. Thank you. Yes. Thank you for calling me. Yes.\n\nWho am I talking to? This is Oakview Financial. Yes? Okay. Yes.\n\n03/01/1972. Evangeline Apollona. 10 Coral Way, Greenfield, WA 62 ten. Yes. Always.\n\nYeah. We're just find out where where we're up to at the moment. Correct. Correct. That's correct.\n\nYes. I'm still there. Yeah. At the moment, it's not very high, though. Let's have a look my pay slip.\n\nThe last pay slip I have was, I think, only $9.50 a week. I'm sorry. You there? I just have a look. I just opened my payslip here.\n\nBear with me, please. Oh my god. Wait. I can't find it. Too many junk mail.\n\nToo many junk mail at the moment. Oh my goodness. That's the only thing with the email. Oh, no. Yeah.\n\nThat's it. It depends on my overtime. Sometime, it ranges from over 1,000 a week to gross around $9.54, including my salary sacrifice for my super. Yeah. Around that.\n\nAround around, over 1,000, the lowest around $9.59 54. After tax, yes. It's $9.54.64 depending on overtime. If I I if I work including weekends, it rains to over 1,000. It depends on my shift.\n\nYeah. That is after tax and after my salary sacrifice for my super. It's still the same. $50 a week. I think our company are around 11%.\n\nOh, you let me know because I haven't checked in with my company how much they're paying on super. You let me know if they pay me like that. That yeah. That'd be lovely. My last pay was, as I said to you, is $9.05 4.64.\n\nIf you can check me how much percentage they pay me on my sofa on that one. Which is that being done on the twenty two zero six twenty six to twenty eight zero six twenty six. And that would be paid on date 01/07/2026 on my bank. I don't really say that on our payslip one day how much percentage that pay on Super. Yeah.\n\nBut I believe on July 1, I believe that they should pay the same time as I get paid. Is that correct? That's correct. So my question is, are you able to check-in if they're paying me 11% or 12% on the salary that I have given to you? Alright.\n\nHey. Very good news. It pays my hard work. Oh my god. We worked so hard so hard in that.\n\nIn my company, we work always always so hard. Yes. Yeah. Yeah. Very good.\n\nVery good. Okay. I went I went really a bit treating myself. So I I I bought a car, but I'm paying it. I'm paying it I think it's 133 a week.\n\nSo my total loan is around 30,000, but a bit less now. Maybe maybe around I don't know how much percentage I have paid, but it's nearly a year. So I would say it might be 29 now. I'm not sure. Yeah.\n\nNo. Our cars on this base is crazy. I don't know how much value they dropped. They dropped so fast. You you got you you'd be surprised.\n\nI would I would say between $17,500 to 24. Yeah. No. I have a sick I have a sick pay. I think I got around I owe around 1,000 on that one.\n\nI got mortgage. I tell you. My mortgage is arm and my leg. Oh my god. You'll be well, roughly, our mortgage is on the around $2.03, $404,100 50.\n\nOh, that's a good question. With my thinking, not only I'm not a real estate expert, but on value on this day, it's maybe around $9.50. Oh, I don't know. I don't know. But by the time we pay, I don't know.\n\nWe're in our age with our age, I don't know how we gonna get through it, but we we're getting through every day. We don't think about it. That's all. Yeah. Yeah.\n\nYeah. Everyone has mortgage, so we just don't think about it. Otherwise, we we all go gray hair. Oh, that's right. Yeah.\n\nThat's right. I'm not a smoker. Not really. Just pain and eggs after work. Just pain pain because of the repetitive the, you know, the repetitive movement of your body.\n\nYou know? That's all. Yeah. I we do. I still have sold his investment property to renovate our house, and thanks god it's finished.\n\nThey renovate our house, and I think that's about it. Yeah. He did sell it to the the renovation. No. Actually, we don't.\n\nYeah. We should think about that. We don't at the moment. Actually, I don't wanna say no and but I would like to say yes. But I also want to get my partner to to be involved with that because I just don't wanna do it on my own.\n\nSo because Steven is my partner is in Oakview Financial as well. He brought me to Oakview. That's why I end up in Oakview. So I think it's it's also good if you could email Steven towards the yeah. That sounds great.\n\nYeah. I did send it through. I did send it through, actually. Oh, since since I joined, they send me I think after I settled with AltView, they send me this beneficiary document, and then I send it back. It's haven't been received?\n\nOh. I don't have access on a printed phone. Oh, that will be great. It's been a long time. I actually they asked me to register.\n\nLike, I I have to how do you call this wrong? Like, I have to go to Justice of Peace just to get it signed and send it back to you guys. Okay. Yeah. Well, that's the reason why I I went to Justice of Peace to get it witnessed, and I send it back.\n\nAnd now you're telling me there is no nomination. That's why I'm I said, oh, what's going on there? Yes, please. Thank you. Yes, please.\n\nThank you very much. Well, I'm always working towards hard on focusing on to get my daughter finished at school. And with Steve's support, we're we're in it together. That's our really main goal is just to get her through schooling. And then after that, we can take it easy.\n\nYeah. But at the moment, she's only 13. She's turning 14. Yeah. Yeah.\n\nThat's right. I'll be hopefully, when she finishes school, we can go for holiday. Well, I I really like to meet her his family in England because I haven't been to England that way, and it's cost a lot of money to get there. So that's one of our in our bucket list. Yeah.\n\nYeah. Because he have met my family. We went to Philippines already. And Philippines are less cost to get to see my family from Australia. Yeah.\n\nAnd cheaper. But going to England, we have to really save money to go there. Yep. Yep. So it's in our bucket list where we're still we're still going.\n\nYeah. Oh, look. I I really like to keep going until I keep going. Whenever I you know, if my body can keep going until I'm 70, I'm going. You know?\n\nYeah. Yeah. Well, the cost of living on these days now, I don't know how can you stop. Yeah. My god.\n\nMy my $9.50 my $9.50 a week on these days now is like, boom. Bye. See you later. I reckon I reckon because right now I said, oh my god. And and plus on these days now, it's we're not book bill.\n\nWe we just I don't know. They changed. Government has changed. Only causation card can go book bill, but, like, people like us, we're not book bill, so that makes it add up pressure on us. Otherwise, yes.\n\nYeah. That that is okay. That is okay. Better than nothing. But I think by the time I retired, might be 1,500.\n\nYeah. Yes. I do. Okay. Now what what am I looking at?\n\nRight now, I'm on my I don't have it right now, actually. I'll have a look on my on my how do you call this one? Oh, signature. I just have to run signature. Oh, why it's not coming?\n\nYeah. I I got it says here, hi, Evangeline. We hope you have been well. Please find out that's important document following annual review. And here's here a signature.\n\nYeah. Okay. Okay. Yeah. I have here superannuation member number, and I have the insurance policy.\n\nSay again? Sorry. I lost you. That is summary of superannuation and insurance as of July 6. Yes.\n\nNo. That is still good. Yeah. That's right. Nothing else.\n\nOh, yeah. The Nexo. Thank you for that. Yeah. Thank you for that.\n\nYes. At the moment, I have this first four months with IRR. Oh, yes. Yes. Because I can see my total when I joined when I joined the what do you call this one, the hub, is the money there is sitting $4.99.\n\nThen maybe over the is that over a year now since I've been with the hub? Yeah. No. No question. It's doing good.\n\nYeah. Yes. Yes. I'm with you. Yeah.\n\nSure thing. Within yeah. Thank you. Okay. Thank you.\n\nYes. Yes. Certificate of currency. That's right. Yes.\n\nOh, this is to $20.25 Vanguard and Dexcharge? Well, I don't know. I don't understand this very well. Only in the news, but I am not really yes. Correct.\n\nLoan. Loan. I like this one, the US chair. Can you pull me one of that? Yes.\n\nYes. That's right. That's right. Yes. No.\n\nI'm with you. I I thank you for educating me this, but but I am with you. Okay. Thank you. And it say here is off view service guide.\n\nPage 10, did you say? Page 10. Where are you, page 10? I want to see you. Page 10.\n\nOh, I can only see 12. So page 10 would be you're beside to the gentleman. Emily. Okay. Veronica.\n\nOh, you're so beautiful. Okay. Okay. Right. Yeah.\n\nLovely. Thank you for that. Yeah. Lovely to make you're so beautiful. Thank you for going through with me with all my super.\n\nThis is the hard work I ever had for all my life, I think. Super. I'm glad we have super in Australia. Yeah. That's correct.\n\nThank you very much. Arrangement. Yeah. That's right. Yeah.\n\nAlright. Lovely. So I I have clicked next, and it came to sign all. Sign all. On.\n\nYeah. And the date, next. Is that done? Tax file number. Yeah.\n\nDCN. Signature as well. And the date. Yeah. But I would like to to get the phone for beneficiary so that is on place for me.\n\nAnd, also, the you will email myself and Steve regarding the wheel place. Yeah. Yeah. That that's great. Yeah.\n\nI'm so glad you guys look everything for us. Okay. I will do that. Thank you very much. Okay.\n\nSame to you. So is everything all good now? It's been fine and everything? Oh, lovely. Okay.\n\nLovely. Thank you so much. Thank you for giving me a call. Thank you. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"I'm good.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.6698128879070282},{"text":"Thank you.","start":6.96,"end":7.7,"sentiment":"positive","sentiment_score":0.7746593356132507},{"text":"Yes.","start":15.705,"end":16.205,"sentiment":"neutral","sentiment_score":0.19213995337486267},{"text":"Thank you for calling me.","start":16.265,"end":17.805,"sentiment":"neutral","sentiment_score":0.31451188325881957},{"text":"Yes.","start":30.585,"end":30.99,"sentiment":"neutral","sentiment_score":0.011893562972545624}],"sentiment":"positive","sentiment_score":0.42413976178927854,"num_words":11,"start":6.3999996,"end":30.99},{"sentences":[{"text":"Who am I talking to?","start":31.07,"end":31.949999,"sentiment":"neutral","sentiment_score":-0.0014233380556106568},{"text":"This is Oakview 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ten.","start":59.735,"end":68.74,"sentiment":"neutral","sentiment_score":0.023530332637684687},{"text":"Yes.","start":69.52,"end":70.02,"sentiment":"neutral","sentiment_score":0.08799399435520172},{"text":"Always.","start":70.159996,"end":70.659996,"sentiment":"neutral","sentiment_score":0.1033354327082634}],"sentiment":"neutral","sentiment_score":0.03305147960782051,"num_words":12,"start":53.895,"end":70.659996},{"sentences":[{"text":"Yeah.","start":92.225006,"end":92.625,"sentiment":"neutral","sentiment_score":-0.007435185834765434},{"text":"We're just find out where where we're up to at the moment.","start":92.625,"end":95.84,"sentiment":"neutral","sentiment_score":-0.03362706412250797},{"text":"Correct.","start":128.32,"end":128.82,"sentiment":"neutral","sentiment_score":0.0826912671327591},{"text":"Correct.","start":135.695,"end":136.195,"sentiment":"neutral","sentiment_score":0.1379837989807129},{"text":"That's correct.","start":148.15001,"end":149.05,"sentiment":"neutral","sentiment_score":0.13443397730588913}],"sentiment":"neutral","sentiment_score":0.004622533260022894,"num_words":17,"start":92.225006,"end":149.05},{"sentences":[{"text":"Yes.","start":152.15001,"end":152.55,"sentiment":"positive","sentiment_score":0.35050541162490845},{"text":"I'm still there.","start":152.55,"end":153.69,"sentiment":"neutral","sentiment_score":0.27646354337533313},{"text":"Yeah.","start":155.03,"end":155.53,"sentiment":"neutral","sentiment_score":0.2066573202610016},{"text":"At the moment, it's not very high, though.","start":160.565,"end":164.02501,"sentiment":"neutral","sentiment_score":-0.06901446124538779},{"text":"Let's have a look my pay slip.","start":164.565,"end":166.74501,"sentiment":"neutral","sentiment_score":0.002636964732248868}],"sentiment":"neutral","sentiment_score":0.04264482125872746,"num_words":20,"start":152.15001,"end":166.74501},{"sentences":[{"text":"The last pay slip I have was, I think, only $9.50 a week.","start":168.645,"end":174.24,"sentiment":"neutral","sentiment_score":-0.006468698059996733},{"text":"I'm sorry.","start":177.84001,"end":178.58,"sentiment":"neutral","sentiment_score":-0.07937731593847275},{"text":"You there?","start":179.20001,"end":179.94,"sentiment":"neutral","sentiment_score":-0.03986082412302494},{"text":"I just have a look.","start":184.40001,"end":185.68001,"sentiment":"neutral","sentiment_score":-0.0024602778255939485},{"text":"I just opened my payslip here.","start":185.68001,"end":190.505,"sentiment":"neutral","sentiment_score":0.02186165377497673}],"sentiment":"neutral","sentiment_score":-0.007275029335037938,"num_words":28,"start":168.645,"end":190.505},{"sentences":[{"text":"Bear with me, please.","start":191.205,"end":192.425,"sentiment":"neutral","sentiment_score":0.0017342278733849525},{"text":"Oh my god.","start":197.205,"end":197.765,"sentiment":"neutral","sentiment_score":-0.20349290470282236},{"text":"Wait.","start":197.765,"end":198.005,"sentiment":"neutral","sentiment_score":-0.21249818801879883},{"text":"I can't find it.","start":198.005,"end":198.88501,"sentiment":"neutral","sentiment_score":-0.3176412433385849},{"text":"Too many junk mail.","start":198.88501,"end":200.185,"sentiment":"negative","sentiment_score":-0.4781753867864609}],"sentiment":"neutral","sentiment_score":-0.24995665694586933,"num_words":16,"start":191.205,"end":200.185},{"sentences":[{"text":"Too many junk mail at the moment.","start":202.75,"end":204.69,"sentiment":"neutral","sentiment_score":-0.29987469741276335},{"text":"Oh my goodness.","start":204.75,"end":205.56999,"sentiment":"neutral","sentiment_score":-0.19947281976540884},{"text":"That's the only thing with the email.","start":206.03,"end":208.77,"sentiment":"neutral","sentiment_score":-0.14579045559678758},{"text":"Oh, no.","start":210.27,"end":210.84999,"sentiment":"neutral","sentiment_score":-0.11093061417341232},{"text":"Yeah.","start":217.095,"end":217.33499,"sentiment":"neutral","sentiment_score":-0.06580482423305511}],"sentiment":"neutral","sentiment_score":-0.20028702914714813,"num_words":20,"start":202.75,"end":217.33499},{"sentences":[{"text":"That's it.","start":217.33499,"end":218.155,"sentiment":"neutral","sentiment_score":-0.0798032358288765},{"text":"It depends on my overtime.","start":220.055,"end":221.75499,"sentiment":"neutral","sentiment_score":-0.058992195129394534},{"text":"Sometime, it ranges from over 1,000 a week to gross around $9.54, including my salary sacrifice for my super.","start":221.89499,"end":233.98,"sentiment":"neutral","sentiment_score":-0.06656901616799205},{"text":"Yeah.","start":236.04,"end":236.44,"sentiment":"neutral","sentiment_score":-0.010745586827397346},{"text":"Around 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shift.","start":269.775,"end":271.555,"sentiment":"neutral","sentiment_score":-0.003226506896317005}],"sentiment":"neutral","sentiment_score":-0.007475416947688375,"num_words":35,"start":237.31999,"end":271.555},{"sentences":[{"text":"Yeah.","start":285.0,"end":285.31998,"sentiment":"neutral","sentiment_score":-0.0035197120159864426},{"text":"That is after tax and after my salary sacrifice for my super.","start":285.31998,"end":290.06,"sentiment":"neutral","sentiment_score":-0.012794789392501116},{"text":"It's still the same.","start":301.775,"end":302.735,"sentiment":"neutral","sentiment_score":0.06325234845280647},{"text":"$50 a week.","start":302.735,"end":304.275,"sentiment":"neutral","sentiment_score":0.07714938372373581},{"text":"I think our company are around 11%.","start":318.39,"end":321.37,"sentiment":"neutral","sentiment_score":-0.008856634077216898}],"sentiment":"neutral","sentiment_score":0.009829774878367229,"num_words":27,"start":285.0,"end":321.37},{"sentences":[{"text":"Oh, you let me know because I haven't checked in with my company how much they're paying on super.","start":340.33,"end":346.59,"sentiment":"neutral","sentiment_score":0.0037629234261418645},{"text":"You let me know if they pay me like that.","start":347.29,"end":349.575,"sentiment":"neutral","sentiment_score":0.011812842544168234},{"text":"That yeah.","start":373.67,"end":374.15,"sentiment":"positive","sentiment_score":0.3850390762090683},{"text":"That'd be lovely.","start":374.15,"end":375.13,"sentiment":"positive","sentiment_score":0.6832289695739746},{"text":"My last pay was, as I said to you, is $9.05 4.64.","start":375.59,"end":382.735,"sentiment":"neutral","sentiment_score":0.06090943608433008}],"sentiment":"neutral","sentiment_score":0.08131091879761737,"num_words":46,"start":340.33,"end":382.735},{"sentences":[{"text":"If you can check me how much percentage they pay me on my sofa on that one.","start":383.275,"end":387.775,"sentiment":"neutral","sentiment_score":0.010354521081728093},{"text":"Which is that being done on the twenty two zero six twenty six to twenty eight zero six twenty six.","start":394.79,"end":404.33,"sentiment":"neutral","sentiment_score":0.05028743566945195},{"text":"And that would be paid on date 01/07/2026 on my bank.","start":408.36502,"end":417.98502,"sentiment":"neutral","sentiment_score":0.05681885304776105},{"text":"I don't really say that on our payslip one day how much percentage that pay on Super.","start":424.44,"end":430.38,"sentiment":"neutral","sentiment_score":-0.031755167771788204},{"text":"Yeah.","start":527.47003,"end":527.71,"sentiment":"neutral","sentiment_score":0.018032100051641464}],"sentiment":"neutral","sentiment_score":0.019469351564167126,"num_words":66,"start":383.275,"end":527.71},{"sentences":[{"text":"But I believe on July 1, I believe that they should pay the same time as I get paid.","start":527.71,"end":538.99005,"sentiment":"neutral","sentiment_score":0.034786754434830265},{"text":"Is that correct?","start":538.99005,"end":539.89,"sentiment":"neutral","sentiment_score":0.04773709177970886},{"text":"That's correct.","start":557.62,"end":558.51996,"sentiment":"neutral","sentiment_score":0.08386000990867615},{"text":"So my question is, are you able to check-in if they're paying me 11% or 12% on the salary that I have given to you?","start":580.485,"end":591.9,"sentiment":"neutral","sentiment_score":0.01848420426249504},{"text":"Alright.","start":620.52,"end":621.02,"sentiment":"neutral","sentiment_score":0.21770012378692627}],"sentiment":"neutral","sentiment_score":0.033033697195351125,"num_words":50,"start":527.71,"end":621.02},{"sentences":[{"text":"Hey.","start":621.32,"end":621.56,"sentiment":"positive","sentiment_score":0.4325060844421386},{"text":"Very good news.","start":621.56,"end":622.54004,"sentiment":"positive","sentiment_score":0.5211783647537231},{"text":"It pays my hard work.","start":623.72003,"end":625.24,"sentiment":"positive","sentiment_score":0.47313191294670104},{"text":"Oh my god.","start":625.24,"end":625.88,"sentiment":"neutral","sentiment_score":0.17126447459061941},{"text":"We worked so hard so hard in 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good.","start":640.895,"end":641.46,"sentiment":"positive","sentiment_score":0.4370069056749344},{"text":"Okay.","start":659.755,"end":660.255,"sentiment":"neutral","sentiment_score":0.007404127158224583},{"text":"I went I went really a bit treating myself.","start":661.355,"end":665.375,"sentiment":"neutral","sentiment_score":-0.07024847095211346},{"text":"So I I I bought a car, but I'm paying it.","start":665.515,"end":669.375,"sentiment":"neutral","sentiment_score":-0.013177054172212427},{"text":"I'm paying it I think it's 133 a week.","start":670.42004,"end":675.08,"sentiment":"neutral","sentiment_score":0.05266867412461175}],"sentiment":"neutral","sentiment_score":0.018070380348945037,"num_words":32,"start":640.895,"end":675.08},{"sentences":[{"text":"So my total loan is around 30,000, but a bit less now.","start":676.74,"end":687.315,"sentiment":"neutral","sentiment_score":0.013477179066588482},{"text":"Maybe maybe around I don't know how much percentage I have paid, but it's nearly a year.","start":687.315,"end":694.675,"sentiment":"neutral","sentiment_score":0.013725830954225623},{"text":"So I would say it might be 29 now.","start":694.675,"end":697.955,"sentiment":"neutral","sentiment_score":0.026946027452747028},{"text":"I'm not sure.","start":697.955,"end":698.935,"sentiment":"neutral","sentiment_score":-0.017429476991916697},{"text":"Yeah.","start":699.26,"end":699.76,"sentiment":"neutral","sentiment_score":0.009042426943778992}],"sentiment":"neutral","sentiment_score":0.014150798049134513,"num_words":42,"start":676.74,"end":699.76},{"sentences":[{"text":"No.","start":710.3,"end":710.78,"sentiment":"negative","sentiment_score":-0.3408549427986145},{"text":"Our cars on this base is crazy.","start":710.78,"end":712.695,"sentiment":"negative","sentiment_score":-0.4392519976411547},{"text":"I don't know how much value they dropped.","start":712.695,"end":715.03503,"sentiment":"negative","sentiment_score":-0.4631318375468254},{"text":"They dropped so fast.","start":716.05505,"end":717.41504,"sentiment":"negative","sentiment_score":-0.43474842607975006},{"text":"You you got you you'd be surprised.","start":717.41504,"end":719.435,"sentiment":"negative","sentiment_score":-0.33816070216042654}],"sentiment":"negative","sentiment_score":-0.41580712022604766,"num_words":27,"start":710.3,"end":719.435},{"sentences":[{"text":"I would I would say between $17,500 to 24.","start":721.41504,"end":728.48004,"sentiment":"neutral","sentiment_score":-0.006673875678744581},{"text":"Yeah.","start":731.74005,"end":732.24005,"sentiment":"neutral","sentiment_score":0.11959998309612274},{"text":"No.","start":737.26,"end":737.76,"sentiment":"neutral","sentiment_score":-0.02708282880485058},{"text":"I have a sick I have a sick pay.","start":746.825,"end":749.625,"sentiment":"neutral","sentiment_score":-0.18947889904181162},{"text":"I think I got around I owe around 1,000 on that one.","start":749.625,"end":756.84,"sentiment":"neutral","sentiment_score":-0.1529217561086019}],"sentiment":"neutral","sentiment_score":-0.10962246535927989,"num_words":32,"start":721.41504,"end":756.84},{"sentences":[{"text":"I got mortgage.","start":761.22003,"end":762.26,"sentiment":"neutral","sentiment_score":0.01872118127842744},{"text":"I tell you.","start":762.26,"end":762.98,"sentiment":"neutral","sentiment_score":0.008032480254769325},{"text":"My mortgage is arm and my leg.","start":762.98,"end":765.0,"sentiment":"neutral","sentiment_score":-0.0005740810717855179},{"text":"Oh my god.","start":771.38495,"end":772.285,"sentiment":"neutral","sentiment_score":-0.0873718112707138},{"text":"You'll be well, roughly, our mortgage is on the around $2.03, $404,100 50.","start":772.82495,"end":793.46,"sentiment":"neutral","sentiment_score":-0.0012697359690299402}],"sentiment":"neutral","sentiment_score":-0.0069786063556013436,"num_words":29,"start":761.22003,"end":793.46},{"sentences":[{"text":"Oh, that's a good question.","start":801.515,"end":803.295,"sentiment":"neutral","sentiment_score":0.08901103362441062},{"text":"With my thinking, not only I'm not a real estate expert, but on value on this day, it's maybe around $9.50.","start":805.675,"end":817.02997,"sentiment":"neutral","sentiment_score":0.02613539816368194},{"text":"Oh, I don't know.","start":819.17,"end":820.31,"sentiment":"neutral","sentiment_score":0.1631951155140996},{"text":"I don't know.","start":826.815,"end":827.53503,"sentiment":"neutral","sentiment_score":-0.02301378796497981},{"text":"But by the time we pay, I don't 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right.","start":869.75995,"end":870.74,"sentiment":"neutral","sentiment_score":-0.006801318687697251},{"text":"Yeah.","start":874.39996,"end":874.8,"sentiment":"neutral","sentiment_score":0.01723191887140274}],"sentiment":"neutral","sentiment_score":-0.030985998540100725,"num_words":22,"start":858.725,"end":874.8},{"sentences":[{"text":"That's right.","start":874.8,"end":875.62,"sentiment":"neutral","sentiment_score":0.025462164543569088},{"text":"I'm not a smoker.","start":884.40497,"end":885.705,"sentiment":"neutral","sentiment_score":-0.03276473004370928},{"text":"Not really.","start":898.49,"end":899.14996,"sentiment":"neutral","sentiment_score":-0.06680884957313538},{"text":"Just pain and eggs after work.","start":899.20996,"end":901.31,"sentiment":"neutral","sentiment_score":-0.057261569425463676},{"text":"Just pain pain because of the repetitive the, you know, the repetitive movement of your body.","start":910.59503,"end":917.895,"sentiment":"neutral","sentiment_score":-0.050062129739671946}],"sentiment":"neutral","sentiment_score":-0.045277192754050094,"num_words":30,"start":874.8,"end":917.895},{"sentences":[{"text":"You know?","start":918.03503,"end":918.615,"sentiment":"neutral","sentiment_score":-0.028263302519917488},{"text":"That's all.","start":918.755,"end":919.655,"sentiment":"neutral","sentiment_score":-0.013053112663328648},{"text":"Yeah.","start":921.6,"end":922.1,"sentiment":"neutral","sentiment_score":0.07294405251741409},{"text":"I we do.","start":929.36,"end":930.5,"sentiment":"neutral","sentiment_score":0.054844642678896584},{"text":"I still have sold his investment property to renovate our house, and thanks god it's finished.","start":930.88,"end":938.27496,"sentiment":"neutral","sentiment_score":0.05516059009823948}],"sentiment":"neutral","sentiment_score":0.0432256079899768,"num_words":24,"start":918.03503,"end":938.27496},{"sentences":[{"text":"They renovate our house, and I think that's about it.","start":938.495,"end":944.995,"sentiment":"neutral","sentiment_score":0.0012925721704959868},{"text":"Yeah.","start":952.26,"end":952.58,"sentiment":"neutral","sentiment_score":0.028227511793375015},{"text":"He did sell it to the the renovation.","start":952.58,"end":954.76,"sentiment":"neutral","sentiment_score":0.0258732286747545},{"text":"No.","start":972.825,"end":973.145,"sentiment":"neutral","sentiment_score":-0.12774384021759033},{"text":"Actually, we don't.","start":973.145,"end":974.525,"sentiment":"neutral","sentiment_score":-0.13209510346253714}],"sentiment":"neutral","sentiment_score":-0.011995221204731775,"num_words":23,"start":938.495,"end":974.525},{"sentences":[{"text":"Yeah.","start":974.9,"end":975.14,"sentiment":"neutral","sentiment_score":-0.10055236518383026},{"text":"We should think about that.","start":975.14,"end":976.82,"sentiment":"neutral","sentiment_score":-0.10877526849508286},{"text":"We don't at the moment.","start":976.82,"end":978.36005,"sentiment":"neutral","sentiment_score":-0.15778177976608276},{"text":"Actually, I don't wanna say no and but I would like to say yes.","start":998.845,"end":1003.81,"sentiment":"neutral","sentiment_score":-0.058237911335059574},{"text":"But I also want to get my partner to to be involved with that because I just don't wanna do it on my own.","start":1004.26996,"end":1012.61,"sentiment":"neutral","sentiment_score":-0.05915762297809124}],"sentiment":"neutral","sentiment_score":-0.07486635340111596,"num_words":49,"start":974.9,"end":1012.61},{"sentences":[{"text":"So because Steven is my partner is in Oakview Financial as well.","start":1013.07,"end":1019.805,"sentiment":"neutral","sentiment_score":-0.03262366928781072},{"text":"He brought me to Oakview.","start":1019.805,"end":1021.185,"sentiment":"neutral","sentiment_score":0.023985878378152848},{"text":"That's why I end up in Oakview.","start":1021.325,"end":1023.02496,"sentiment":"neutral","sentiment_score":0.026098882779479027},{"text":"So I think it's it's also good if you could email Steven towards the yeah.","start":1023.96497,"end":1033.3999,"sentiment":"neutral","sentiment_score":0.09507727945844333},{"text":"That sounds great.","start":1065.72,"end":1067.02,"sentiment":"positive","sentiment_score":0.5945227146148682}],"sentiment":"neutral","sentiment_score":0.07430630656225341,"num_words":42,"start":1013.07,"end":1067.02},{"sentences":[{"text":"Yeah.","start":1068.995,"end":1069.495,"sentiment":"neutral","sentiment_score":0.12793545424938202},{"text":"I did send it through.","start":1101.9349,"end":1103.315,"sentiment":"neutral","sentiment_score":0.031897027418017386},{"text":"I did send it through, actually.","start":1103.375,"end":1105.075,"sentiment":"neutral","sentiment_score":0.09989530220627785},{"text":"Oh, since since I joined, they send me I think after I settled with AltView, they send me this beneficiary document, and then I send it back.","start":1108.53,"end":1121.995,"sentiment":"neutral","sentiment_score":0.014210160856169683},{"text":"It's haven't been received?","start":1121.995,"end":1123.615,"sentiment":"neutral","sentiment_score":-0.0708218477666378}],"sentiment":"neutral","sentiment_score":0.022957659456445727,"num_words":43,"start":1068.995,"end":1123.615},{"sentences":[{"text":"Oh.","start":1134.3949,"end":1134.8949,"sentiment":"neutral","sentiment_score":-0.014541647396981716},{"text":"I don't have access on a printed phone.","start":1146.6901,"end":1149.3501,"sentiment":"neutral","sentiment_score":-0.07830650871619582},{"text":"Oh, that will be great.","start":1180.735,"end":1181.9349,"sentiment":"positive","sentiment_score":0.4918516457080841},{"text":"It's been a long time.","start":1181.9349,"end":1182.975,"sentiment":"neutral","sentiment_score":0.061895943433046344},{"text":"I actually they asked me to 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back.","start":1250.2001,"end":1256.86,"sentiment":"neutral","sentiment_score":0.023856708513838903}],"sentiment":"neutral","sentiment_score":0.016597698561169886,"num_words":55,"start":1189.73,"end":1256.86},{"sentences":[{"text":"And now you're telling me there is no nomination.","start":1257.215,"end":1259.9551,"sentiment":"neutral","sentiment_score":-0.22814074655373892},{"text":"That's why I'm I said, oh, what's going on there?","start":1260.8151,"end":1264.1951,"sentiment":"neutral","sentiment_score":-0.04842488057911396},{"text":"Yes, please.","start":1294.925,"end":1295.8251,"sentiment":"neutral","sentiment_score":0.08289086818695068},{"text":"Thank you.","start":1296.045,"end":1296.865,"sentiment":"neutral","sentiment_score":0.2385881245136261},{"text":"Yes, please.","start":1301.005,"end":1301.5651,"sentiment":"neutral","sentiment_score":0.08582349866628647}],"sentiment":"neutral","sentiment_score":-0.06891642168164253,"num_words":25,"start":1257.215,"end":1301.5651},{"sentences":[{"text":"Thank you very much.","start":1301.5651,"end":1302.865,"sentiment":"positive","sentiment_score":0.42915361374616623},{"text":"Well, I'm always working towards hard on focusing on to get my daughter finished at school.","start":1356.065,"end":1363.83,"sentiment":"neutral","sentiment_score":0.21358144003897905},{"text":"And with Steve's support, we're we're in it together.","start":1365.33,"end":1369.35,"sentiment":"positive","sentiment_score":0.37600230508380467},{"text":"That's our really main goal is just to get her through schooling.","start":1371.09,"end":1375.985,"sentiment":"positive","sentiment_score":0.5008939976493517},{"text":"And then after that, we can take it easy.","start":1376.6051,"end":1379.1051,"sentiment":"positive","sentiment_score":0.4029361837440067}],"sentiment":"positive","sentiment_score":0.36310183733701706,"num_words":50,"start":1301.5651,"end":1379.1051},{"sentences":[{"text":"Yeah.","start":1380.365,"end":1380.685,"sentiment":"neutral","sentiment_score":0.05528900399804115},{"text":"But at the moment, she's only 13.","start":1380.685,"end":1384.0651,"sentiment":"neutral","sentiment_score":0.022911188591803824},{"text":"She's turning 14.","start":1384.285,"end":1385.5851,"sentiment":"neutral","sentiment_score":0.051425221065680184},{"text":"Yeah.","start":1386.4451,"end":1386.9451,"sentiment":"neutral","sentiment_score":0.27318075299263},{"text":"Yeah.","start":1402.5,"end":1402.8201,"sentiment":"neutral","sentiment_score":0.1951972544193268}],"sentiment":"neutral","sentiment_score":0.06448623036535886,"num_words":13,"start":1380.365,"end":1402.8201},{"sentences":[{"text":"That's right.","start":1402.8201,"end":1403.715,"sentiment":"neutral","sentiment_score":0.23411905020475388},{"text":"I'll be hopefully, when she finishes school, we can go for holiday.","start":1404.995,"end":1408.695,"sentiment":"neutral","sentiment_score":0.25568589692314464},{"text":"Well, I I really like to meet her his family in England because I haven't been to England that way, and it's cost a lot of money to get there.","start":1413.475,"end":1426.33,"sentiment":"neutral","sentiment_score":0.09055192433297635},{"text":"So that's one of our in our bucket 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Australia.","start":1437.1951,"end":1443.375,"sentiment":"neutral","sentiment_score":0.08248162785401711},{"text":"Yeah.","start":1445.515,"end":1446.015,"sentiment":"neutral","sentiment_score":0.057493582367897034}],"sentiment":"neutral","sentiment_score":0.0882717792231303,"num_words":26,"start":1432.715,"end":1446.015},{"sentences":[{"text":"And cheaper.","start":1446.3401,"end":1447.0801,"sentiment":"neutral","sentiment_score":0.073562391102314},{"text":"But going to England, we have to really save money to go there.","start":1447.54,"end":1451.9601,"sentiment":"neutral","sentiment_score":0.051816854339379534},{"text":"Yep.","start":1453.54,"end":1453.9401,"sentiment":"neutral","sentiment_score":0.028378747403621674},{"text":"Yep.","start":1453.9401,"end":1454.4401,"sentiment":"neutral","sentiment_score":0.01337239146232605},{"text":"So it's in our bucket list where we're still we're still 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know?","start":1502.585,"end":1503.325,"sentiment":"neutral","sentiment_score":0.16819630563259125}],"sentiment":"neutral","sentiment_score":0.317728073606568,"num_words":31,"start":1461.715,"end":1503.325},{"sentences":[{"text":"Yeah.","start":1504.8501,"end":1505.3501,"sentiment":"neutral","sentiment_score":0.2251578718423843},{"text":"Yeah.","start":1512.37,"end":1512.77,"sentiment":"neutral","sentiment_score":0.033503878861665726},{"text":"Well, the cost of living on these days now, I don't know how can you stop.","start":1512.77,"end":1516.63,"sentiment":"neutral","sentiment_score":-0.10074206395074725},{"text":"Yeah.","start":1519.745,"end":1520.245,"sentiment":"neutral","sentiment_score":0.05315379798412323},{"text":"My god.","start":1542.9,"end":1543.575,"sentiment":"neutral","sentiment_score":-0.015842128545045853}],"sentiment":"neutral","sentiment_score":-0.06341627293399402,"num_words":21,"start":1504.8501,"end":1543.575},{"sentences":[{"text":"My my $9.50 my $9.50 a week on these days now is like, boom.","start":1543.815,"end":1549.1749,"sentiment":"neutral","sentiment_score":0.027626626592661654},{"text":"Bye.","start":1549.1749,"end":1549.495,"sentiment":"neutral","sentiment_score":0.10637959092855452},{"text":"See you later.","start":1549.495,"end":1550.315,"sentiment":"neutral","sentiment_score":0.11469428986310959},{"text":"I reckon I reckon because right now I said, oh my god.","start":1556.02,"end":1560.84,"sentiment":"neutral","sentiment_score":-0.014241282207270464},{"text":"And and plus on these days now, it's we're not book bill.","start":1561.14,"end":1565.0,"sentiment":"neutral","sentiment_score":-0.042906388795624174}],"sentiment":"neutral","sentiment_score":0.0036062662090573993,"num_words":42,"start":1543.815,"end":1565.0},{"sentences":[{"text":"We we just I don't know.","start":1566.02,"end":1568.26,"sentiment":"neutral","sentiment_score":-0.04868797957897186},{"text":"They changed.","start":1568.26,"end":1568.82,"sentiment":"neutral","sentiment_score":-0.07902510836720467},{"text":"Government has changed.","start":1568.82,"end":1570.28,"sentiment":"neutral","sentiment_score":-0.06260154396295547},{"text":"Only causation card can go book bill, but, like, people like us, we're not book bill, so that makes it add up pressure on us.","start":1571.085,"end":1581.745,"sentiment":"neutral","sentiment_score":-0.09653447166085244},{"text":"Otherwise, yes.","start":1584.205,"end":1596.2899,"sentiment":"neutral","sentiment_score":0.10036566480994225}],"sentiment":"neutral","sentiment_score":-0.07501613652627719,"num_words":38,"start":1566.02,"end":1596.2899},{"sentences":[{"text":"Yeah.","start":1607.075,"end":1607.3949,"sentiment":"neutral","sentiment_score":0.12826737761497498},{"text":"That that is okay.","start":1607.3949,"end":1608.7749,"sentiment":"neutral","sentiment_score":0.17661727964878082},{"text":"That is okay.","start":1608.995,"end":1609.975,"sentiment":"neutral","sentiment_score":0.24962440629800162},{"text":"Better than nothing.","start":1610.4349,"end":1611.475,"sentiment":"neutral","sentiment_score":0.3077365458011627},{"text":"But I think by the time I retired, might be 1,500.","start":1611.475,"end":1615.34,"sentiment":"neutral","sentiment_score":0.009796287695115263}],"sentiment":"neutral","sentiment_score":0.11884447805244815,"num_words":22,"start":1607.075,"end":1615.34},{"sentences":[{"text":"Yeah.","start":1618.28,"end":1618.78,"sentiment":"neutral","sentiment_score":0.10960258543491364},{"text":"Yes.","start":1628.1951,"end":1628.515,"sentiment":"neutral","sentiment_score":0.06996789574623108},{"text":"I do.","start":1628.515,"end":1629.255,"sentiment":"neutral","sentiment_score":0.024088100530207157},{"text":"Okay.","start":1647.29,"end":1647.79,"sentiment":"neutral","sentiment_score":-0.03683195263147354},{"text":"Now what what am I looking at?","start":1674.45,"end":1676.95,"sentiment":"neutral","sentiment_score":-0.05659021437168121}],"sentiment":"neutral","sentiment_score":-0.01710139758264025,"num_words":12,"start":1618.28,"end":1676.95},{"sentences":[{"text":"Right now, I'm on my I don't have it right now, actually.","start":1677.17,"end":1691.445,"sentiment":"neutral","sentiment_score":-0.09456994974364837},{"text":"I'll have a look on my on my how do you call this one?","start":1696.305,"end":1706.4323,"sentiment":"neutral","sentiment_score":-0.02863090698208128},{"text":"Oh, signature.","start":1706.8301,"end":1707.65,"sentiment":"neutral","sentiment_score":-0.013339596800506115},{"text":"I just have to run signature.","start":1708.03,"end":1710.9401,"sentiment":"neutral","sentiment_score":-0.011263964154447118},{"text":"Oh, why it's not coming?","start":1712.915,"end":1714.215,"sentiment":"neutral","sentiment_score":-0.055978475511074065}],"sentiment":"neutral","sentiment_score":-0.04896993463476881,"num_words":39,"start":1677.17,"end":1714.215},{"sentences":[{"text":"Yeah.","start":1723.795,"end":1724.115,"sentiment":"neutral","sentiment_score":-0.0732811838388443},{"text":"I I got it says here, hi, Evangeline.","start":1724.115,"end":1739.65,"sentiment":"neutral","sentiment_score":-0.027047573123127222},{"text":"We hope you have been well.","start":1739.95,"end":1741.47,"sentiment":"neutral","sentiment_score":0.24929909656445184},{"text":"Please find out that's important document following annual review.","start":1741.47,"end":1745.5449,"sentiment":"neutral","sentiment_score":0.08848403063085344},{"text":"And here's here a signature.","start":1748.405,"end":1749.945,"sentiment":"neutral","sentiment_score":0.05517720505595207}],"sentiment":"neutral","sentiment_score":0.07856465901794105,"num_words":29,"start":1723.795,"end":1749.945},{"sentences":[{"text":"Yeah.","start":1754.245,"end":1754.745,"sentiment":"neutral","sentiment_score":0.03015827387571335},{"text":"Okay.","start":1760.24,"end":1760.74,"sentiment":"neutral","sentiment_score":0.0439879298210144},{"text":"Okay.","start":1764.88,"end":1765.38,"sentiment":"neutral","sentiment_score":0.04833407327532768},{"text":"Yeah.","start":1769.295,"end":1769.6951,"sentiment":"neutral","sentiment_score":0.05007046461105347},{"text":"I have here superannuation member number, and I have the insurance policy.","start":1769.6951,"end":1776.035,"sentiment":"neutral","sentiment_score":0.04953323615094026}],"sentiment":"neutral","sentiment_score":0.0479343484621495,"num_words":16,"start":1754.245,"end":1776.035},{"sentences":[{"text":"Say again?","start":1793.73,"end":1794.2899,"sentiment":"neutral","sentiment_score":-0.029327701777219772},{"text":"Sorry.","start":1794.2899,"end":1794.61,"sentiment":"neutral","sentiment_score":-0.21339157223701477},{"text":"I lost you.","start":1794.61,"end":1795.545,"sentiment":"neutral","sentiment_score":-0.2844687948624293},{"text":"That is summary of superannuation and insurance as of July 6.","start":1804.745,"end":1810.98,"sentiment":"neutral","sentiment_score":0.08236458271064541},{"text":"Yes.","start":1841.45,"end":1841.95,"sentiment":"neutral","sentiment_score":0.14772796630859375}],"sentiment":"neutral","sentiment_score":-0.0039841657918360494,"num_words":18,"start":1793.73,"end":1841.95},{"sentences":[{"text":"No.","start":1878.045,"end":1878.545,"sentiment":"neutral","sentiment_score":0.010646365582942964},{"text":"That is still good.","start":1878.605,"end":1879.905,"sentiment":"neutral","sentiment_score":0.2503237910568714},{"text":"Yeah.","start":1881.405,"end":1881.905,"sentiment":"positive","sentiment_score":0.3352774381637573},{"text":"That's right.","start":1895.57,"end":1896.3099,"sentiment":"neutral","sentiment_score":0.15931691229343414},{"text":"Nothing else.","start":1902.61,"end":1903.4299,"sentiment":"neutral","sentiment_score":0.009923095814883709}],"sentiment":"neutral","sentiment_score":0.16856989841908215,"num_words":10,"start":1878.045,"end":1903.4299},{"sentences":[{"text":"Oh, yeah.","start":1907.0851,"end":1907.645,"sentiment":"neutral","sentiment_score":0.0580151230096817},{"text":"The Nexo.","start":1907.645,"end":1908.305,"sentiment":"neutral","sentiment_score":0.07203640975058079},{"text":"Thank you for that.","start":1909.165,"end":1910.305,"sentiment":"positive","sentiment_score":0.46728865057229996},{"text":"Yeah.","start":1913.885,"end":1914.125,"sentiment":"neutral","sentiment_score":0.1366230845451355},{"text":"Thank you for that.","start":1914.125,"end":1915.185,"sentiment":"neutral","sentiment_score":0.29725977033376694}],"sentiment":"neutral","sentiment_score":0.26576306412999445,"num_words":13,"start":1907.0851,"end":1915.185},{"sentences":[{"text":"Yes.","start":1917.58,"end":1917.8999,"sentiment":"neutral","sentiment_score":0.006532919593155384},{"text":"At the moment, I have this first four months with IRR.","start":1917.8999,"end":1922.96,"sentiment":"neutral","sentiment_score":-0.019380715929649094},{"text":"Oh, yes.","start":2002.15,"end":2002.87,"sentiment":"neutral","sentiment_score":0.07869695499539375},{"text":"Yes.","start":2002.87,"end":2003.37,"sentiment":"neutral","sentiment_score":0.07471469789743423},{"text":"Because I can see my total when I joined when I joined the what do you call this one, the hub, is the money there is sitting $4.99.","start":2003.43,"end":2016.485,"sentiment":"neutral","sentiment_score":0.05436062639845269}],"sentiment":"neutral","sentiment_score":0.03598956259097471,"num_words":43,"start":1917.58,"end":2016.485},{"sentences":[{"text":"Then maybe over the is that over a year now since I've been with the hub?","start":2018.145,"end":2023.525,"sentiment":"neutral","sentiment_score":0.02891275327419862},{"text":"Yeah.","start":2061.46,"end":2061.96,"sentiment":"neutral","sentiment_score":0.11179258674383163},{"text":"No.","start":2064.9548,"end":2065.275,"sentiment":"neutral","sentiment_score":0.010792482644319534},{"text":"No question.","start":2065.275,"end":2066.015,"sentiment":"neutral","sentiment_score":-0.00023848749697208394},{"text":"It's doing good.","start":2066.2349,"end":2067.775,"sentiment":"positive","sentiment_score":0.36929891506830853}],"sentiment":"neutral","sentiment_score":0.07359169095592655,"num_words":23,"start":2018.145,"end":2067.775},{"sentences":[{"text":"Yeah.","start":2067.915,"end":2068.415,"sentiment":"neutral","sentiment_score":0.2075861692428589},{"text":"Yes.","start":2226.9,"end":2227.22,"sentiment":"neutral","sentiment_score":0.07486408948898315},{"text":"Yes.","start":2227.22,"end":2227.54,"sentiment":"neutral","sentiment_score":0.08550188690423965},{"text":"I'm with you.","start":2227.54,"end":2228.44,"sentiment":"neutral","sentiment_score":0.0957572062810262},{"text":"Yeah.","start":2278.47,"end":2278.71,"sentiment":"neutral","sentiment_score":0.1999501883983612}],"sentiment":"neutral","sentiment_score":0.12216770755393165,"num_words":7,"start":2067.915,"end":2278.71},{"sentences":[{"text":"Sure thing.","start":2278.71,"end":2279.59,"sentiment":"neutral","sentiment_score":0.23240046203136444},{"text":"Within yeah.","start":2279.59,"end":2280.81,"sentiment":"positive","sentiment_score":0.3661228269338608},{"text":"Thank you.","start":2281.11,"end":2281.93,"sentiment":"positive","sentiment_score":0.46342024207115173},{"text":"Okay.","start":2310.32,"end":2310.7202,"sentiment":"neutral","sentiment_score":0.1915159523487091},{"text":"Thank you.","start":2310.7202,"end":2311.4602,"sentiment":"neutral","sentiment_score":0.1956864669919014}],"sentiment":"neutral","sentiment_score":0.3007528831561406,"num_words":9,"start":2278.71,"end":2311.4602},{"sentences":[{"text":"Yes.","start":2311.52,"end":2312.02,"sentiment":"neutral","sentiment_score":0.1909353584051132},{"text":"Yes.","start":2319.4402,"end":2319.9402,"sentiment":"neutral","sentiment_score":0.04843991994857788},{"text":"Certificate of currency.","start":2322.595,"end":2324.135,"sentiment":"neutral","sentiment_score":0.05237647766868273},{"text":"That's right.","start":2336.3398,"end":2337.16,"sentiment":"neutral","sentiment_score":0.11287081986665726},{"text":"Yes.","start":2340.8198,"end":2341.3198,"sentiment":"neutral","sentiment_score":0.0341339185833931}],"sentiment":"neutral","sentiment_score":0.08204753370955586,"num_words":8,"start":2311.52,"end":2341.3198},{"sentences":[{"text":"Oh, this is to $20.25 Vanguard and Dexcharge?","start":2343.14,"end":2347.4,"sentiment":"neutral","sentiment_score":0.02661184361204505},{"text":"Well, I don't know.","start":2347.78,"end":2348.5798,"sentiment":"neutral","sentiment_score":-0.12858087942004204},{"text":"I don't understand this very well.","start":2348.5798,"end":2350.395,"sentiment":"negative","sentiment_score":-0.3465290168921153},{"text":"Only in the news, but I am not really yes.","start":2354.715,"end":2358.985,"sentiment":"neutral","sentiment_score":-0.09640084877610207},{"text":"Correct.","start":2383.465,"end":2383.965,"sentiment":"neutral","sentiment_score":0.05965813249349594}],"sentiment":"neutral","sentiment_score":-0.1132742491518629,"num_words":29,"start":2343.14,"end":2383.965},{"sentences":[{"text":"Loan.","start":2401.62,"end":2402.12,"sentiment":"neutral","sentiment_score":0.001533854752779007},{"text":"Loan.","start":2404.18,"end":2404.68,"sentiment":"neutral","sentiment_score":0.030570868402719498},{"text":"I like this one, the US chair.","start":2411.5552,"end":2414.5352,"sentiment":"positive","sentiment_score":0.5295674928597042},{"text":"Can you pull me one of that?","start":2416.675,"end":2418.5352,"sentiment":"neutral","sentiment_score":0.12113891009773527},{"text":"Yes.","start":2454.37,"end":2454.87,"sentiment":"neutral","sentiment_score":0.07931751012802124}],"sentiment":"neutral","sentiment_score":0.27449217964621153,"num_words":17,"start":2401.62,"end":2454.87},{"sentences":[{"text":"Yes.","start":2454.9302,"end":2455.4302,"sentiment":"neutral","sentiment_score":0.0880858302116394},{"text":"That's right.","start":2507.9202,"end":2508.74,"sentiment":"neutral","sentiment_score":0.2259906306862831},{"text":"That's right.","start":2527.155,"end":2528.0552,"sentiment":"neutral","sentiment_score":0.10399189963936806},{"text":"Yes.","start":2596.34,"end":2596.84,"sentiment":"neutral","sentiment_score":0.2333284467458725},{"text":"No.","start":2607.5852,"end":2607.8252,"sentiment":"neutral","sentiment_score":-0.06154991313815117}],"sentiment":"neutral","sentiment_score":0.131404203495809,"num_words":7,"start":2454.9302,"end":2607.8252},{"sentences":[{"text":"I'm with you.","start":2607.8252,"end":2608.465,"sentiment":"neutral","sentiment_score":-0.057244181632995605},{"text":"I I thank you for educating me this, but but I am with you.","start":2608.465,"end":2613.2852,"sentiment":"neutral","sentiment_score":0.05550272124154227},{"text":"Okay.","start":2620.11,"end":2620.59,"sentiment":"neutral","sentiment_score":0.13993000984191897},{"text":"Thank you.","start":2620.59,"end":2621.33,"sentiment":"neutral","sentiment_score":0.24631626904010773},{"text":"And it say here is off view service guide.","start":2622.59,"end":2627.25,"sentiment":"neutral","sentiment_score":0.059009394297997154}],"sentiment":"neutral","sentiment_score":0.06099836720988668,"num_words":29,"start":2607.8252,"end":2627.25},{"sentences":[{"text":"Page 10, did you say?","start":2684.0898,"end":2685.63,"sentiment":"neutral","sentiment_score":0.028057410940527917},{"text":"Page 10.","start":2687.225,"end":2688.125,"sentiment":"neutral","sentiment_score":0.01372596900910139},{"text":"Where are you, page 10?","start":2688.185,"end":2689.625,"sentiment":"neutral","sentiment_score":0.005669666454195976},{"text":"I want to see you.","start":2689.625,"end":2690.845,"sentiment":"neutral","sentiment_score":0.008972436748445034},{"text":"Page 10.","start":2693.5452,"end":2694.445,"sentiment":"neutral","sentiment_score":-0.009329189546406269}],"sentiment":"neutral","sentiment_score":0.011699533139012362,"num_words":19,"start":2684.0898,"end":2694.445},{"sentences":[{"text":"Oh, I can only see 12.","start":2694.5051,"end":2699.145,"sentiment":"neutral","sentiment_score":-0.036404648795723915},{"text":"So page 10 would be you're beside to the gentleman.","start":2699.145,"end":2703.59,"sentiment":"neutral","sentiment_score":0.005454056058079004},{"text":"Emily.","start":2705.33,"end":2705.83,"sentiment":"neutral","sentiment_score":-0.008154517039656639},{"text":"Okay.","start":2711.09,"end":2711.59,"sentiment":"neutral","sentiment_score":0.03910017758607864},{"text":"Veronica.","start":2711.81,"end":2712.31,"sentiment":"neutral","sentiment_score":0.07493436336517334}],"sentiment":"neutral","sentiment_score":-0.003053016225366216,"num_words":19,"start":2694.5051,"end":2712.31},{"sentences":[{"text":"Oh, you're so beautiful.","start":2714.0652,"end":2715.445,"sentiment":"positive","sentiment_score":0.7823509126901627},{"text":"Okay.","start":2717.105,"end":2717.605,"sentiment":"neutral","sentiment_score":0.2619938850402832},{"text":"Okay.","start":2718.705,"end":2719.205,"sentiment":"neutral","sentiment_score":0.20186644792556763},{"text":"Right.","start":2729.41,"end":2729.89,"sentiment":"neutral","sentiment_score":0.2838791310787201},{"text":"Yeah.","start":2729.89,"end":2730.21,"sentiment":"neutral","sentiment_score":0.31689831614494324}],"sentiment":"positive","sentiment_score":0.5242551788687706,"num_words":8,"start":2714.0652,"end":2730.21},{"sentences":[{"text":"Lovely.","start":2730.21,"end":2730.6099,"sentiment":"positive","sentiment_score":0.5060368776321411},{"text":"Thank you for that.","start":2730.6099,"end":2731.75,"sentiment":"positive","sentiment_score":0.5322120040655136},{"text":"Yeah.","start":2732.3699,"end":2732.69,"sentiment":"neutral","sentiment_score":0.2198616862297058},{"text":"Lovely to make you're so beautiful.","start":2732.69,"end":2734.39,"sentiment":"positive","sentiment_score":0.6002227117617925},{"text":"Thank you for going through with me with all my super.","start":2734.45,"end":2737.91,"sentiment":"positive","sentiment_score":0.43849240920760413}],"sentiment":"positive","sentiment_score":0.4904130153034044,"num_words":23,"start":2730.21,"end":2737.91},{"sentences":[{"text":"This is the hard work I ever had for all my life, I think.","start":2738.475,"end":2743.455,"sentiment":"neutral","sentiment_score":0.16141461421336448},{"text":"Super.","start":2744.155,"end":2744.655,"sentiment":"positive","sentiment_score":0.4698033332824707},{"text":"I'm glad we have super in Australia.","start":2744.875,"end":2746.975,"sentiment":"positive","sentiment_score":0.4051292155470167},{"text":"Yeah.","start":2748.635,"end":2749.135,"sentiment":"positive","sentiment_score":0.4150373041629791},{"text":"That's correct.","start":2765.545,"end":2766.505,"sentiment":"positive","sentiment_score":0.39934733510017395}],"sentiment":"neutral","sentiment_score":0.2711697766184807,"num_words":25,"start":2738.475,"end":2766.505},{"sentences":[{"text":"Thank you very much.","start":2766.505,"end":2767.805,"sentiment":"positive","sentiment_score":0.6087777763605118},{"text":"Arrangement.","start":2789.65,"end":2790.15,"sentiment":"neutral","sentiment_score":0.020228667184710503},{"text":"Yeah.","start":2790.29,"end":2790.6099,"sentiment":"neutral","sentiment_score":0.0650162622332573},{"text":"That's right.","start":2790.6099,"end":2791.33,"sentiment":"neutral","sentiment_score":0.09375300258398056},{"text":"Yeah.","start":2791.33,"end":2791.83,"sentiment":"neutral","sentiment_score":0.10843607783317566}],"sentiment":"neutral","sentiment_score":0.3129220130956835,"num_words":9,"start":2766.505,"end":2791.83},{"sentences":[{"text":"Alright.","start":2837.705,"end":2838.205,"sentiment":"positive","sentiment_score":0.4697185754776001},{"text":"Lovely.","start":2838.3452,"end":2838.8452,"sentiment":"positive","sentiment_score":0.7397671937942505},{"text":"So I I have clicked next, and it came to sign all.","start":2840.56,"end":2847.38,"sentiment":"neutral","sentiment_score":0.03726033214479685},{"text":"Sign all.","start":2853.3599,"end":2854.3398,"sentiment":"neutral","sentiment_score":0.008287229109555483},{"text":"On.","start":2856.045,"end":2856.545,"sentiment":"neutral","sentiment_score":0.017289502546191216}],"sentiment":"neutral","sentiment_score":0.09943963033968911,"num_words":17,"start":2837.705,"end":2856.545},{"sentences":[{"text":"Yeah.","start":2857.405,"end":2857.905,"sentiment":"neutral","sentiment_score":0.027831528335809708},{"text":"And the date, next.","start":2859.165,"end":2862.065,"sentiment":"neutral","sentiment_score":0.020710782147943974},{"text":"Is that done?","start":2863.2449,"end":2864.225,"sentiment":"neutral","sentiment_score":0.026849128305912018},{"text":"Tax file number.","start":2873.8901,"end":2875.03,"sentiment":"neutral","sentiment_score":0.015585398922363916},{"text":"Yeah.","start":2875.17,"end":2875.67,"sentiment":"neutral","sentiment_score":0.0581374354660511}],"sentiment":"neutral","sentiment_score":0.024676306173205376,"num_words":12,"start":2857.405,"end":2875.67},{"sentences":[{"text":"DCN.","start":2876.45,"end":2876.95,"sentiment":"neutral","sentiment_score":0.03803737461566925},{"text":"Signature as well.","start":2878.29,"end":2879.59,"sentiment":"neutral","sentiment_score":0.05331746116280556},{"text":"And the date.","start":2881.9949,"end":2882.9749,"sentiment":"neutral","sentiment_score":0.13066352407137552},{"text":"Yeah.","start":2888.3948,"end":2888.8948,"sentiment":"neutral","sentiment_score":0.07330939173698425},{"text":"But I would like to to get the phone for beneficiary so that is on place for me.","start":2889.1948,"end":2897.31,"sentiment":"neutral","sentiment_score":0.08459096174273226}],"sentiment":"neutral","sentiment_score":0.08407411667016837,"num_words":26,"start":2876.45,"end":2897.31},{"sentences":[{"text":"And, also, the you will email myself and Steve regarding the wheel place.","start":2897.93,"end":2907.23,"sentiment":"neutral","sentiment_score":0.06513806489797738},{"text":"Yeah.","start":2908.4949,"end":2908.9949,"sentiment":"neutral","sentiment_score":0.1320920288562775},{"text":"Yeah.","start":2940.935,"end":2941.175,"sentiment":"neutral","sentiment_score":0.28423988819122314},{"text":"That that's great.","start":2941.175,"end":2942.235,"sentiment":"positive","sentiment_score":0.5070452988147736},{"text":"Yeah.","start":2943.0151,"end":2943.415,"sentiment":"neutral","sentiment_score":0.3308833837509155}],"sentiment":"neutral","sentiment_score":0.16395505478507594,"num_words":19,"start":2897.93,"end":2943.415},{"sentences":[{"text":"I'm so glad you guys look everything for us.","start":2943.415,"end":2946.235,"sentiment":"positive","sentiment_score":0.5433552033371396},{"text":"Okay.","start":2964.5798,"end":2964.9,"sentiment":"neutral","sentiment_score":0.2508915066719055},{"text":"I will do that.","start":2964.9,"end":2965.6199,"sentiment":"positive","sentiment_score":0.35817086696624756},{"text":"Thank you very much.","start":2965.6199,"end":2966.76,"sentiment":"positive","sentiment_score":0.6055058836936951},{"text":"Okay.","start":2977.245,"end":2977.745,"sentiment":"positive","sentiment_score":0.4236257672309875}],"sentiment":"positive","sentiment_score":0.4957590056093116,"num_words":19,"start":2943.415,"end":2977.745},{"sentences":[{"text":"Same to you.","start":2977.805,"end":2978.605,"sentiment":"positive","sentiment_score":0.3980611364046733},{"text":"So is everything all good now?","start":2978.605,"end":2980.685,"sentiment":"neutral","sentiment_score":0.23663359383742014},{"text":"It's been fine and everything?","start":2980.685,"end":2982.305,"sentiment":"neutral","sentiment_score":0.232558211684227},{"text":"Oh, lovely.","start":2983.1,"end":2983.92,"sentiment":"positive","sentiment_score":0.3947533518075943},{"text":"Okay.","start":3000.665,"end":3001.165,"sentiment":"positive","sentiment_score":0.4391042590141296}],"sentiment":"neutral","sentiment_score":0.2944345290169996,"num_words":17,"start":2977.805,"end":3001.165},{"sentences":[{"text":"Lovely.","start":3001.225,"end":3001.705,"sentiment":"positive","sentiment_score":0.7369768619537354},{"text":"Thank you so much.","start":3001.705,"end":3002.585,"sentiment":"positive","sentiment_score":0.7661879360675812},{"text":"Thank you for giving me a call.","start":3002.585,"end":3004.2852,"sentiment":"positive","sentiment_score":0.5405460851533073},{"text":"Thank you.","start":3009.945,"end":3010.7651,"sentiment":"positive","sentiment_score":0.718624621629715},{"text":"Okay.","start":3012.347,"end":3012.7468,"sentiment":"neutral","sentiment_score":0.22850775718688965}],"sentiment":"positive","sentiment_score":0.616753880182902,"num_words":15,"start":3001.225,"end":3012.7468},{"sentences":[{"text":"Bye.","start":3012.7468,"end":3013.2468,"sentiment":"neutral","sentiment_score":-0.11029447615146636}],"sentiment":"neutral","sentiment_score":-0.11029447615146636,"num_words":1,"start":3012.7468,"end":3013.2468}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Veronica from Financial. How are you?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: That's good. I had to book in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yes. Thank you for calling\n\nChannel 0: Yes.\n\nChannel 1: me.\n\nChannel 0: No. That's okay. 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: Yes. Who am I talking\n\nChannel 0: Yes.\n\nChannel 1: to? This is Oakview Financial. Yes?\n\nChannel 0: Correct. And it's Veronica.\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yes. Now I also just need to confirm that I am speaking with the right person just for security purposes. So could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: 03/01/1972. Evangeline Apollona. 10 Coral Way, Greenfield, WA 62\n\nChannel 0: Perfect. That's exactly what I have here. How's your day been? Been\n\nChannel 1: ten.\n\nChannel 0: busy?\n\nChannel 1: Yes. Always.\n\nChannel 0: Yeah. Well, I will try not to keep you for too long. But before I do jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of their review today or any particular questions or just a kind of a bit of an update and see what kind of everything is up to?\n\nChannel 1: Yeah. We're just find out where where we're up to at the moment.\n\nChannel 0: Yeah. Okay. Beautiful. Now what I will do first is just go through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life. If we need to make any changes to your advice.\n\nSo just kind of bear with me as I go through this information that I have here. Now when it comes to your personal information, I have you down here that you are in a de facto relationship and that you have a financial dependent at home. Is that still correct?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Perfect. And next up, Ken, I have see the nominator. That's also correct?\n\nChannel 1: Correct.\n\nChannel 0: Perfect. Now when it comes to your occupation, has any of that changed, or are you still at the the same place doing, like, the factory worker?\n\nChannel 1: That's correct.\n\nChannel 0: Yep. And you're still enjoying it?\n\nChannel 1: Yes. I'm still\n\nChannel 0: Yeah.\n\nChannel 1: there.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And what is your income at the moment? Do you know?\n\nChannel 1: At the moment, it's not very high, though. Let's have\n\nChannel 0: Mhmm.\n\nChannel 1: a look my pay slip. The last pay slip I have was, I think, only $9.50 a week.\n\nChannel 0: How much? Sorry. 900 and\n\nChannel 1: I'm sorry. You there?\n\nChannel 0: yes. Yep. Sorry. I lost you there. How much did you say per week?\n\nChannel 1: I just have a look. I just opened my payslip here. Bear with\n\nChannel 0: Yep.\n\nChannel 1: me, please.\n\nChannel 0: Sure.\n\nChannel 1: Oh my god. Wait. I can't find it. Too many junk mail.\n\nChannel 0: That's okay.\n\nChannel 1: Too many junk mail at the moment. Oh my goodness. That's the only thing with the email. Oh, no. Yeah.\n\nThat's it. It depends on my overtime. Sometime, it ranges from over 1,000 a week to\n\nChannel 0: Mhmm.\n\nChannel 1: gross around $9.54, including my salary sacrifice for my super.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Around that. Around around, over 1,000, the lowest around $9.59 54.\n\nChannel 0: Okay. So 9 and does it have how much do you get paid into your bank account, like, after tax?\n\nChannel 1: After tax, yes. It's $9.54.64 depending on overtime. If I I if I work including weekends, it rains\n\nChannel 0: Mhmm.\n\nChannel 1: to over 1,000. It depends on my\n\nChannel 0: Okay.\n\nChannel 1: shift.\n\nChannel 0: Okay. No. That makes sense. So between that $9.55 and about 1,000 depending on over time, and that was after tax. Correct?\n\nDid you say?\n\nChannel 1: Yeah. That is after\n\nChannel 0: Yes.\n\nChannel 1: tax and after my salary sacrifice for my super.\n\nChannel 0: Yes. Perfect. And how much are you salary sacrificing regularly again? Is it staying the same?\n\nChannel 1: It's still the same. $50 a week.\n\nChannel 0: Yep. Perfect. And your employer, they still pay you that standard 12% contribution. There's no, like, enterprise bargain agreement or anything like that in place just like the standard rule still.\n\nChannel 1: I think our company are around 11%.\n\nChannel 0: They have they used to be. So they have changed the legislation. So the minimum that an employer has to do now is 12 percent. It used to be 11, and then it went to 11.5. And now with the current legislation, they have to do 12%\n\nChannel 1: Oh,\n\nChannel 0: minimum.\n\nChannel 1: you let me know because I haven't checked in with my company how much they're paying on super.\n\nChannel 0: Yeah.\n\nChannel 1: You let me\n\nChannel 0: Have\n\nChannel 1: know\n\nChannel 0: a\n\nChannel 1: if\n\nChannel 0: look.\n\nChannel 1: they pay me like that.\n\nChannel 0: Yeah. So because they because with the legislation change, they they legally have to. So they would probably just start doing that automatically, but I can have a bit of a look in the account for you afterwards just to make sure that kind of all matches up through the income that you told me. But but, yeah, it is the minimum is 12% now, but I can triple check that in the back end for you.\n\nChannel 1: That yeah. That'd be lovely. My\n\nChannel 0: Yeah.\n\nChannel 1: last pay was, as I said to you, is $9.05 4.64. If you can check me how much percentage they pay me on my sofa on that one.\n\nChannel 0: Yeah. I can actually see if I can go into your account now and have a bit of a look if it changes.\n\nChannel 1: Which\n\nChannel 0: Just\n\nChannel 1: is\n\nChannel 0: bear\n\nChannel 1: that\n\nChannel 0: with me.\n\nChannel 1: being done on the twenty two zero six twenty six to twenty eight zero six twenty six.\n\nChannel 0: Perfect. Let me have\n\nChannel 1: And\n\nChannel 0: a look into your account.\n\nChannel 1: that would be paid on date 01/07/2026\n\nChannel 0: Okay. Let me have\n\nChannel 1: on\n\nChannel 0: a\n\nChannel 1: my\n\nChannel 0: look\n\nChannel 1: bank.\n\nChannel 0: here for you.\n\nChannel 1: I don't really say that on our payslip one day how much percentage that pay on Super.\n\nChannel 0: Yeah. Usually, they don't. Some do, but usually, it's just like the the minimum legal is 12. So I can see here that on the July 2, they paid you had your $50 salary sacrifice, I can see, And then they also put in a $124.32. Now let me just check the when the last one was just so that I can check if that's pretty consistent.\n\nAnd yeah. So you must have done maybe a bit of overtime because then I can see on the June 30, that was one for $200 and $449. And then they must do it a little bit more sporadically because then I can see that after June, they did it three weeks earlier. That was on the May 18, and that was 630 and then 250. That must have been the salary sacrifice.\n\nSo it seems like it comes in a little bit different times. Because in April, you had a 200, so they did a monthly for you there, and then 456. So it seems like it varies a bit. 472.\n\nChannel 1: Yeah. But I believe on July 1, I believe that they should pay the same time as I get paid. Is that correct?\n\nChannel 0: Correct. That is correct. Yes. So before that, they only had to do it once a quarter at a minimum, which is probably why sometimes they did it a little bit random times. But, yes, you are correct.\n\nSo now you should see it. And do you get paid weekly?\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. So then we should see that coming in now at weekly, which is probably why the the amount last was weak. So, yes, that would also be good because then you have the money dropping in sooner, which means that it will be invested and compounding quicker for you as well. So that's good.\n\nChannel 1: So my question is, are you able to check-in if they're paying me 11% or 12% on the salary that I have given to you?\n\nChannel 0: Yes. So if I use the 124, so just the most 8¢, and I use your income of $9.05 4, it's about 12.9. So with overtime and stuff like that, it looks like it's pretty pretty much on that 12%, which is good. So not 11%. So you'll be that standard 12%, which is good.\n\nChannel 1: Alright. Hey. Very good news.\n\nChannel 0: Yeah. That's\n\nChannel 1: It pays\n\nChannel 0: great.\n\nChannel 1: my hard work. Oh my god. We\n\nChannel 0: Yes.\n\nChannel 1: worked so hard so hard\n\nChannel 0: I can\n\nChannel 1: in\n\nChannel 0: imagine.\n\nChannel 1: that. In my company, we work always always so hard.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Well,\n\nChannel 1: Yeah.\n\nChannel 0: at least now you're getting a little bit more for it, so that's good.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Very\n\nChannel 0: then\n\nChannel 1: good.\n\nChannel 0: when you\n\nChannel 1: Very\n\nChannel 0: do\n\nChannel 1: good.\n\nChannel 0: retire, you should have a little bit more, so that's perfect. And, otherwise, when it comes to your assets, do you own a motor vehicle or or renting, or what kind of your situation like when you with your assets and stuff?\n\nChannel 1: Okay.\n\nChannel 0: Mhmm.\n\nChannel 1: I went I went really a bit treating myself. So I I I bought a car, but I'm paying\n\nChannel 0: Mhmm. Oh,\n\nChannel 1: it.\n\nChannel 0: yeah. Yep.\n\nChannel 1: I'm paying it I think it's 133 a week.\n\nChannel 0: Perfect. And do\n\nChannel 1: So\n\nChannel 0: you know how much the total loan is?\n\nChannel 1: my total loan is around 30,000,\n\nChannel 0: Mhmm.\n\nChannel 1: but a bit less now. Maybe maybe around I don't know how much percentage I have paid, but it's nearly a year. So I would say it might be 29 now. I'm\n\nChannel 0: Mhmm.\n\nChannel 1: not sure. Yeah.\n\nChannel 0: Yeah. Around that. And do you know how much the car is valued at? Like, if you were to, let's say, sell it tomorrow, how much do you think it'll be worth, or how much do you buy it for?\n\nChannel 1: No. Our cars on this base is crazy. I don't know how much value they dropped.\n\nChannel 0: No.\n\nChannel 1: They dropped so fast. You you got you you'd be surprised.\n\nChannel 0: Yes.\n\nChannel 1: I would I would say between $17,500 to 24.\n\nChannel 0: Okay. Perfect. So that's that.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Any other assets?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And any liabilities, like personal loans or credit card or ZipPay?\n\nChannel 1: I have a sick I\n\nChannel 0: Mhmm.\n\nChannel 1: have a sick pay. I think I got around I owe around 1,000 on that one.\n\nChannel 0: Okay. Perfect. Anything else?\n\nChannel 1: I got mortgage. I tell you. My mortgage is arm and my leg.\n\nChannel 0: Yeah. Actually, now I don't how much is on the mortgage? Do you know?\n\nChannel 1: Oh my god. You'll be\n\nChannel 0: Roughly?\n\nChannel 1: well, roughly, our mortgage is on the around $2.03, $404,100\n\nChannel 0: Mhmm.\n\nChannel 1: 50.\n\nChannel 0: About $4.50. Perfect. And how much do you think the property is worth if you were to sell it?\n\nChannel 1: Oh, that's a good question. With my thinking, not only I'm not a\n\nChannel 0: Mhmm.\n\nChannel 1: real estate expert,\n\nChannel 0: Mhmm.\n\nChannel 1: but on value on this day, it's maybe around $9.50.\n\nChannel 0: Oh, that's nice.\n\nChannel 1: Oh, I don't know.\n\nChannel 0: Around that, it's still you still have more in the house than you are, which is good.\n\nChannel 1: I don't know. But by the time we pay, I don't know. We're in our age with our age,\n\nChannel 0: Hopefully\n\nChannel 1: I don't\n\nChannel 0: not.\n\nChannel 1: know how we gonna get through it, but we we're getting\n\nChannel 0: Yeah.\n\nChannel 1: through every day.\n\nChannel 0: That's\n\nChannel 1: We\n\nChannel 0: for\n\nChannel 1: don't\n\nChannel 0: it.\n\nChannel 1: think about it. That's all.\n\nChannel 0: Yeah. Just take it especially with all the prices and everything nowadays too. It's like, take it as it comes. And if you're you're working hard, which you are, and, you know, putting extra to see for and doing everything to try to, you know, make for time and as comfortable as possible, and and that's really good.\n\nChannel 1: Yeah. Yeah. Yeah. Everyone has mortgage, so we just don't\n\nChannel 0: Yes.\n\nChannel 1: think about it. Otherwise,\n\nChannel 0: Exactly.\n\nChannel 1: we we all go gray hair.\n\nChannel 0: Yeah. And at least you're paying your own mortgage. So, you know, whereas\n\nChannel 1: Oh,\n\nChannel 0: if\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: right.\n\nChannel 0: rent renting it to someone else, at least you're paying your own.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Now when it comes to health and lifestyle, are you a smoker or a nonsmoker?\n\nChannel 1: I'm not a smoker.\n\nChannel 0: Nonsmoker. Perfect. And have you had any changes to your health in the last twelve months? Any significant injuries or illnesses or anything?\n\nChannel 1: Not really. Just pain\n\nChannel 0: No.\n\nChannel 1: and eggs after work.\n\nChannel 0: Yeah. Just general aches and pikes, or is there anything more or is this, like, general just that comes?\n\nChannel 1: Just pain pain because of\n\nChannel 0: Yeah.\n\nChannel 1: the repetitive the, you know, the repetitive movement of your body. You know?\n\nChannel 0: Yes. Yes.\n\nChannel 1: That's all.\n\nChannel 0: Yeah. Okay. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now do you guys still have the investment property as well?\n\nChannel 1: I we do. I still\n\nChannel 0: Yep.\n\nChannel 1: have sold his investment property to renovate\n\nChannel 0: Mhmm.\n\nChannel 1: our house, and\n\nChannel 0: Okay.\n\nChannel 1: thanks god it's finished. They renovate\n\nChannel 0: Okay.\n\nChannel 1: our house, and I think that's about it.\n\nChannel 0: Okay. So do you still have that one investment property, or did you guys sell it to do some renovations, did you say?\n\nChannel 1: Yeah. He did sell it to the\n\nChannel 0: Okay.\n\nChannel 1: the renovation.\n\nChannel 0: Yes. Yes. Okay. Perfect. That's good.\n\nNow when it comes to estate planning, do you have a will in place or a power of attorney or anything like that?\n\nChannel 1: No. Actually, we don't.\n\nChannel 0: No.\n\nChannel 1: Yeah. We\n\nChannel 0: No.\n\nChannel 1: should\n\nChannel 0: That's\n\nChannel 1: think\n\nChannel 0: okay.\n\nChannel 1: about that. We don't at the moment.\n\nChannel 0: Yeah. So kind of now do you know someone local that you could speak to, or would you like us to send you some information on a firm that we work closely with with some prices so you have it if you do wanna look at potentially getting it done at some point?\n\nChannel 1: Actually, I don't wanna say no and but I would like to say yes. But I also want to get my partner to to be involved with that because\n\nChannel 0: Yep.\n\nChannel 1: I just\n\nChannel 0: Yes.\n\nChannel 1: don't wanna do it on my own. So\n\nChannel 0: No.\n\nChannel 1: because Steven is my partner is in Oakview Financial as well. He\n\nChannel 0: Yes.\n\nChannel 1: brought me to Oakview. That's why I end\n\nChannel 0: Yeah.\n\nChannel 1: up in Oakview. So\n\nChannel 0: Yeah.\n\nChannel 1: I think it's it's also good if you could email Steven towards\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Yeah. So what I can do\n\nChannel 1: yeah.\n\nChannel 0: is I can just send I'll get my team to just email both of you, and it will just have the lawyer information. No obligation, obviously, but that way, you have some information in regards to, like, a will. There's also some pricing, and then you guys can obviously have a discussion whenever you're at the moment. If you wanna speak to them, there's all their contact details or everything. Or if you don't decide to, well, at least you have the information and a comparison for pricing for you as well.\n\nChannel 1: That sounds great.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now with estate planning as well, I can see here that with your insurance and in your hub 24 for your super account, we don't currently have a nomination on file if something were to happen to you. So do you remember receiving a post with some beneficiary forms to complete? Do you remember\n\nChannel 1: I did\n\nChannel 0: receiving\n\nChannel 1: send it through.\n\nChannel 0: that?\n\nChannel 1: I did send it through, actually.\n\nChannel 0: Do you do you remember when? Roughly?\n\nChannel 1: Oh, since since I joined, they send me I think after I settled with AltView, they\n\nChannel 0: Mhmm.\n\nChannel 1: send me this beneficiary\n\nChannel 0: Mhmm.\n\nChannel 1: document, and then I send it back. It's haven't been received?\n\nChannel 0: No. I can't see it here. But what I will do, I will go triple check with the team, but having a look at the system. Sometimes\n\nChannel 1: Oh.\n\nChannel 0: Australia post often it it gets here, especially obviously from from WA. Now do you have access to a printer or not really?\n\nChannel 1: I don't have access on a\n\nChannel 0: Okay.\n\nChannel 1: printed phone.\n\nChannel 0: So what I can do is I will get the team to triple check if it's in the mail somewhere. But if you did it a little while ago, we should have got it by now. But I will triple check for you. And if we don't have it, just so you don't have to complete it again, what I will do is I will get the team to email you the forms. That way you have it in your inbox.\n\nYou can just print it, complete it, and email it back, and then we know for sure that it comes back to us and not, like, lost in the post or something.\n\nChannel 1: Oh, that will be great. It's been\n\nChannel 0: Yeah.\n\nChannel 1: a long time. I actually they asked me to register. Like, I I have to how do you call this wrong? Like, I have to go to Justice of Peace just to get it signed and send it back to you guys.\n\nChannel 0: You can actually get it witnessed by anybody. So as long as it's not the person you nominate. So say, for example, you wanna give it to Steven. Now he can't be a witness and you can't be a witness, but let's say you have two neighbors, they can witness it. It doesn't have to be a just as a piece.\n\nIt just has to be someone to witness when you you do it, and it just can't be the person you are actually nominating. But, otherwise, it can be a neighbor or a friend or family member. That's perfectly fine. Just anybody. They just have to do it together.\n\nThe two people at the same time. Yeah. But that makes\n\nChannel 1: Okay.\n\nChannel 0: it easier. You don't have to go to justice of peace. It can be anybody just to witness.\n\nChannel 1: Yeah. Well, that's the reason why I I went to Justice of Peace to get it witnessed, and I send it back. And now you're telling me there is no nomination.\n\nChannel 0: Oh,\n\nChannel 1: That's why\n\nChannel 0: yeah.\n\nChannel 1: I'm I\n\nChannel 0: Yes.\n\nChannel 1: said, oh, what's going on there?\n\nChannel 0: Yes. That's that's a little bit frustrating for you. But yeah. No. I can't see anything here, but like I said, I'll double check with the team.\n\nAnd if we we don't have it, which it doesn't look like, but I will double check, I'll get them to email it to you. So that way, you don't have to like, it doesn't get lost again or something like that, and it would directly come back through us. And, yes, it doesn't have to be just as a piece. It can be anybody because that's a bit hard sometimes to find the time to actually go and see them. So that can be\n\nChannel 1: Yes,\n\nChannel 0: anyone.\n\nChannel 1: please.\n\nChannel 0: It can\n\nChannel 1: Thank\n\nChannel 0: be\n\nChannel 1: you.\n\nChannel 0: any any family members or anything. Just not the person you wanna give it to.\n\nChannel 1: Yes, please. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you very much.\n\nChannel 0: No. That's okay. Now, otherwise, during the annual reviews, what is usually a good thing to do is just to kind of check-in to see what your goals were last year when we spoke to you, if it's changed or how you went with it, and potentially setting some goals for the next couple of years. So when you had your interview last, you spoke to my colleague, Dana. And I can see here that your main focus at this time was to buy a new car, which it did, so that's good.\n\nIs there anything that you you or both of you are working towards financially or nonfinancially in the next couple of years? So is it just to kinda focus on getting through everything, or is there anything specific that you guys are working towards?\n\nChannel 1: Well, I'm always working towards hard on focusing on to get my daughter finished at school.\n\nChannel 0: Yep.\n\nChannel 1: And with Steve's support, we're\n\nChannel 0: Yeah.\n\nChannel 1: we're in it together.\n\nChannel 0: Yeah.\n\nChannel 1: That's our really main goal is just\n\nChannel 0: Yep.\n\nChannel 1: to get her through schooling. And\n\nChannel 0: Yep.\n\nChannel 1: then after that, we can take it easy.\n\nChannel 0: Yeah. And how\n\nChannel 1: Yeah.\n\nChannel 0: old\n\nChannel 1: But\n\nChannel 0: is she now?\n\nChannel 1: at the moment, she's only 13. She's turning 14.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Perfect. And then after obviously, there's still still a little bit to go, and then after that, maybe look at something else. But, yeah, obviously, that's very important when it comes to school. So that that's a good thing that you guys are working towards.\n\nChannel 1: Yeah. That's right. I'll\n\nChannel 0: And\n\nChannel 1: be hopefully, when she finishes school, we can go for holiday.\n\nChannel 0: yeah. Where would you go?\n\nChannel 1: Well, I I really like to meet her his family in England because\n\nChannel 0: Yeah.\n\nChannel 1: I haven't been to England\n\nChannel 0: Yeah.\n\nChannel 1: that way, and it's cost a lot of money to get there. So that's one\n\nChannel 0: Yes.\n\nChannel 1: of our in our bucket list.\n\nChannel 0: Yeah. Oh, beautiful.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That's\n\nChannel 1: Because he have met my family. We went to Philippines already. And\n\nChannel 0: yeah.\n\nChannel 1: Philippines are less cost to get to see my family from Australia.\n\nChannel 0: A bit a bit closer.\n\nChannel 1: Yeah. And cheaper.\n\nChannel 0: Oh, yeah.\n\nChannel 1: But\n\nChannel 0: Yes.\n\nChannel 1: going to England, we have to really save money to go there.\n\nChannel 0: Yes. Yes. Yes.\n\nChannel 1: Yep. Yep.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: Very expensive.\n\nChannel 1: it's\n\nChannel 0: No.\n\nChannel 1: in our\n\nChannel 0: Well, that's\n\nChannel 1: bucket\n\nChannel 0: beautiful.\n\nChannel 1: list where we're\n\nChannel 0: Yeah.\n\nChannel 1: still we're still going.\n\nChannel 0: Yep. No. That is\n\nChannel 1: Yeah.\n\nChannel 0: good. And when it comes to your superannuation, I have here that, ideally, you would like to retire or stop working at 63. Is that still kind of the plan, do you think, or when do you think you would like to retire or start drawing an income from your superannuation?\n\nChannel 1: Oh, look. I I really like to keep going until I\n\nChannel 0: Mhmm.\n\nChannel 1: keep going.\n\nChannel 0: Yep.\n\nChannel 1: Whenever I you know, if my body can keep going until I'm\n\nChannel 0: Mhmm.\n\nChannel 1: 70, I'm going.\n\nChannel 0: Yep. Yep. Perfect. So it just depends, but, no, that's good.\n\nChannel 1: You know?\n\nChannel 0: Yeah. Most a lot\n\nChannel 1: Yeah.\n\nChannel 0: of people are the same. Just wanna have something to do and mentally stimulating and everything like that as well.\n\nChannel 1: Yeah. Well, the cost of living on these days now, I don't\n\nChannel 0: Yes.\n\nChannel 1: know how can you stop.\n\nChannel 0: Yes. Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Mhmm. And, ideally so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,000 per week. Now do you still think that's, would cover living costs and retirement, or do you think you'd need a little bit more per week? Might be a little bit hard to tell, but do you think roughly?\n\nChannel 1: My god. My my $9.50 my $9.50 a week on these days now is like, boom. Bye. See you later.\n\nChannel 0: Yeah. So maybe more like 1,500 potentially will give you a little bit more of a buffer.\n\nChannel 1: I reckon I reckon\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: Yeah.\n\nChannel 1: right now I said, oh my god. And and plus on these days now, it's we're not book bill.\n\nChannel 0: Yes.\n\nChannel 1: We we just I don't know. They changed. Government has changed. Only\n\nChannel 0: Yes.\n\nChannel 1: causation card can go book bill, but, like,\n\nChannel 0: Yeah.\n\nChannel 1: people like us, we're not book bill, so\n\nChannel 0: Yeah.\n\nChannel 1: that makes it add up pressure on us.\n\nChannel 0: Yes. And\n\nChannel 1: Otherwise,\n\nChannel 0: and that's just the yeah. That's the thing. And that's just kind of a good goal as well. So, obviously, we're trying to get you as much as we can before retirement. But even if we're kind of aiming for about 15\n\nChannel 1: yes.\n\nChannel 0: 100, at least it gives you a little bit more of a buffer so you don't have to, you know, budget as hard than around a thousand.\n\nChannel 1: Yeah. That that is\n\nChannel 0: Yeah.\n\nChannel 1: okay. That is\n\nChannel 0: Yeah.\n\nChannel 1: okay. Better than nothing. But I think by the time I retired, might be 1,500.\n\nChannel 0: Yeah. Yeah. Exactly. Who knows?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. Now do you have access to your emails at the moment?\n\nChannel 1: Yes. I\n\nChannel 0: Oh,\n\nChannel 1: do.\n\nChannel 0: not really. Okay. So what I have done is I have to send you an email with some documents to go through, and it just makes it a little bit easier for you if you can actually see them at the same time. But if you could go into your emails for me, you should have\n\nChannel 1: Okay.\n\nChannel 0: a email there. And it could sometimes end up in spam folder as well because we have changed to a new software.\n\nChannel 1: Now what what am I looking at? Right now,\n\nChannel 0: So\n\nChannel 1: I'm\n\nChannel 0: there\n\nChannel 1: on\n\nChannel 0: should\n\nChannel 1: my\n\nChannel 0: be yeah. It should be an email where it says, oh, if you financial request signature, signature request or something like that.\n\nChannel 1: I don't have it right now, actually.\n\nChannel 0: Nothing? And nothing in spam either?\n\nChannel 1: I'll have a look on my on my how do you call this one? Oh, signature. I just\n\nChannel 0: Yes.\n\nChannel 1: have to run\n\nChannel 0: That's the one.\n\nChannel 1: signature. Oh, why it's not coming?\n\nChannel 0: Now, usually, it will ask you to click on the link first.\n\nChannel 1: Yeah.\n\nChannel 0: Now it\n\nChannel 1: I\n\nChannel 0: won't get\n\nChannel 1: I got\n\nChannel 0: it. Okay. Because it won't get you to sign right away. It will allow you to look at everything first. Make sure you are happy before it'll ask you to sign anything.\n\nChannel 1: it says here, hi, Evangeline. We hope you have been well. Please find out that's important document following annual review.\n\nChannel 0: Yep.\n\nChannel 1: And here's here a signature.\n\nChannel 0: Yes. Can you click on that? Is there, like, a link?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. Okay. Try to click on that one for me.\n\nChannel 1: Okay. Okay. Yeah. I have here superannuation member\n\nChannel 0: Yes.\n\nChannel 1: number,\n\nChannel 0: Yes.\n\nChannel 1: and I\n\nChannel 0: Okay.\n\nChannel 1: have the insurance policy.\n\nChannel 0: Yes. Beautiful. Now can you click on the which one is the first document that you can see? And we'll just do it in the order that you can see to make it easier. What's the first thing you can see?\n\nChannel 1: Say again? Sorry. I lost you.\n\nChannel 0: No. That's okay. So when you open the document, what is the first document that you can see? What's it called? Is that super insurance summary?\n\nChannel 1: That is summary of superannuation\n\nChannel 0: Yes.\n\nChannel 1: and insurance\n\nChannel 0: Perfect.\n\nChannel 1: as of July 6.\n\nChannel 0: Yes. Alright. This is the one where we start. So if you have a look at this one, you can see that you have your super with hub 24, and you do have about a $116,700 in there. Now underneath it, you should see your one path insurance, and you have life and total permanent disability insurance if something were to happen.\n\nAnd\n\nChannel 1: Yes.\n\nChannel 0: that would pay out 367,500 for both of them. And they are paid from within Hub 24, so you don't pay for anything out of pocket. You do get a 15% tax rebate. The total premium for the both of them is 2,476. Now are you still happy with that level of cover that you have with one pass with your insurances, or do you wanna make any changes?\n\nOr what are your thoughts on it?\n\nChannel 1: No. That is still good.\n\nChannel 0: Still good. Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And it will cover majority of the mortgage if something were to happen, And then you have your super balance as well. So it would obviously make a big difference financially to clear out, you know, most of the mortgage if something were to happen.\n\nChannel 1: That's right.\n\nChannel 0: Yeah. Now what is the next document you can see there, Evangeline?\n\nChannel 1: Nothing else.\n\nChannel 0: Can you click next?\n\nChannel 1: Oh, yeah. The Nexo. Thank you for that.\n\nChannel 0: Yeah. No. That's okay. I was like, I assure you more.\n\nChannel 1: Yeah. Thank you for that.\n\nChannel 0: No. That's\n\nChannel 1: Yes. At the moment, I have this first four months\n\nChannel 0: okay.\n\nChannel 1: with IRR.\n\nChannel 0: Yes. Yes. Now this one here sometimes looks a little bit messy. But, basically, what it does is it gives us a breakdown of your portfolio and what has happened to the portfolio in the last twelve months. Now, obviously, the last twelve months, I'm sure you would have seen on the news or heard that, obviously, it's been a little bit turbulent in the market because we had everything going on in The US first.\n\nSo, obviously, with Trump and tariffs and everything, you see a bit of fluctuation in the market. But, obviously, more recently, we had, you know, the war going on as well. So that has seen a bit of fluctuation to the market. So it's been a little bit turbulent. But in saying that, though, your portfolio overall has still done pretty good given what has happened in the market.\n\nAnd that's also because it is very diversified. So at the moment, in just a twelve month period now this is all after fees as well. So after all fees have come out of your account, the portfolio has still gone up by about 6.29%, which we're pretty happy with given what has happened in the market. Does that make sense, Evangeline?\n\nChannel 1: Oh, yes. Yes. Because\n\nChannel 0: Yeah.\n\nChannel 1: I can see my total when I joined when I\n\nChannel 0: Yes.\n\nChannel 1: joined the what do you call this one, the hub, is the money there is sitting $4.99.\n\nChannel 0: Yes. Mhmm.\n\nChannel 1: Then maybe over the is that over a year now since I've been with the hub?\n\nChannel 0: Let me have a quick look for you. Yes. Yeah. Exactly. Yeah.\n\nSo 2025 in so in January, and then, obviously, it takes a little bit to get everything set up and and money to be rolled over and everything. So so, yeah, just a little bit over a year, and it's done a pretty pretty good growth since then, again, given the market conditions in the last twelve months. So, yeah, we're we're quite happy with that.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Any questions?\n\nChannel 1: No. No question.\n\nChannel 0: No?\n\nChannel 1: It's\n\nChannel 0: Perfect.\n\nChannel 1: doing good. Yeah.\n\nChannel 0: Yeah. Now there is one investment that I would like to look at changing for you. Now so with your investments in hub twenty four, obviously, we invest in the long term. So we don't wanna just, like, buy and sell different things. We invest in the long term for your retirement.\n\nBut at the same time, we want to be proactive that if there are, obviously, market changes and depending on what's happening, we wanna stay on top of everything. And if we foresee one investment underperforming a little bit to what we were expecting or not doing as well as we would like, we also want to look at potentially changing it for another better option for you. So the good thing with hub twenty four is that there's hundreds of different options for us to choose from in making sure that we always have you in the best options possible for your retirement. So one of your investments, it's called Benelung Australian Equity that you have in your portfolio at the moment. That one has underperformed a little bit.\n\nSo the investment committee do a lot of research on the investments to tryna find the best option, and we have found one that we would like to change it to if you are okay with it. So the Benelon that you currently have in your portfolio, it is an Australian investment, so they invest in the Australian market. And they're kind of trying to buy and sell investments pretty quickly to try to outperform the market. And they have been really good, but recently, they've been a little bit slower in those choices. So the investment committee have found a similar option.\n\nSo in getting investing in the Australian market, because if we take one Australian investment out, we wanna make sure we still keep some Australian exposure through you. So we wanna make sure it's very diversified. So one investment they have found, it's one that's called beta shares a 200. Now, basically, what that is is that it invests in the 200 largest companies in Australia. They're obviously very diversified because it's not just in one company.\n\nYou're actually invested in 200 companies. So if something were to happen to one company, it's not gonna impact everything because you do have 200 companies in that option. Does that make sense so far, Angeline?\n\nChannel 1: Yes. Yes. I'm\n\nChannel 0: Yes.\n\nChannel 1: with you.\n\nChannel 0: Yes. Perfect. So you will have all the big companies like their banks and BHP and Woolworths. So very diversified. Now what we have found with this option instead of Benelon is that it is a bit cheaper because instead of doing that kind of buying and selling quickly, it just tracks those 200 largest companies.\n\nSo it's a little bit more simplified in that way. So it is a bit cheaper, which we'll obviously see their fees being reduced a little bit, which is great because that means they're gonna have more money in super. This also performed a little bit better as well. So if you are happy for us to do that, we would like to look at changing the bend along or this a 200 option if you are okay with that.\n\nChannel 1: Yeah. Sure thing.\n\nChannel 0: Yeah.\n\nChannel 1: Within\n\nChannel 0: Perfect.\n\nChannel 1: yeah. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Now what I will do just for your information, you don't have to sign it or anything like that, but I will email you probably in the next couple of days. It is called a record of advice. It is just so that you have in writing as well that they change. So just from Benelon to 8200. Like I said, you don't need to change it or you don't need to sign it or anything, but it's just there for your reference so that you know.\n\nDoes\n\nChannel 1: Okay.\n\nChannel 0: that make\n\nChannel 1: Thank\n\nChannel 0: sense?\n\nChannel 1: you.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Now not too many other documents to go, but what is the next one? If you press next for me,\n\nChannel 1: Yes.\n\nChannel 0: what can you see?\n\nChannel 1: Certificate of currency.\n\nChannel 0: Yep. So that one here, it basically just breaks down your insurances again, but in a little bit more information. But let's see if that's all paid and up to date, essentially.\n\nChannel 1: That's right.\n\nChannel 0: Yep. And if you click next for me.\n\nChannel 1: Yes. Oh, this is to $20.25 Vanguard and Dexcharge? Well, I don't\n\nChannel 0: Yes.\n\nChannel 1: know. I don't understand this very well.\n\nChannel 0: No. I've never seen something like this before.\n\nChannel 1: Only in the news, but I am\n\nChannel 0: Okay.\n\nChannel 1: not really yes.\n\nChannel 0: No. So, basically, what it is is it shows us the different asset classes in the market and how they've moved over time. But for example, it's it's it's a good visual representation of what we are talking about when we are talking about the market because it shows you all the ups and downs of the market. Now\n\nChannel 1: Correct.\n\nChannel 0: this one here goes all the way back from 1995 through to 2025. And then you have all the different kind of major events that happen in the world, and that you can then see kind of correlate sometimes with those kind of up and down movement.\n\nChannel 1: Loan.\n\nChannel 0: Now\n\nChannel 1: Loan.\n\nChannel 0: you can see that some obviously fluctuate and grow a lot more than others. So\n\nChannel 1: I like this one, the US chair.\n\nChannel 0: Yes.\n\nChannel 1: Can\n\nChannel 0: Exactly.\n\nChannel 1: you pull me one of that?\n\nChannel 0: You actually have you actually have quite quite a bit in this. We don't want everything, obviously, because you don't want everything in in one section, but you do have quite a bit still in The US market, which is great. So, basically, with your portfolio, we have a lot of different risk profiles to match both how you feel about fluctuations, but also how much time you have in the market. So at the moment, we have you invested in a high growth portfolio. Do you remember what a high growth investor, what it means at all?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Yeah. So, basically, it tells me simply that you are wanting to grow your super as much as possible before retirement while you still have, you know, plenty of time until you decide to retire, but also that you understand that there will be some of these ups and downs market fluctuations in the short term for it. So when we are then looking at how your money is invested currently in a high growth portfolio, we see 90% in what we call your growth assets. Now this is a combination of the top four.\n\nSo that includes US shares, which you can see grow the most, but also fluctuates. You can then see the kind of darker green line, which is your Australian share.\n\nChannel 1: That's right.\n\nChannel 0: You also have yellow, which is your international share, and your property, that kind of maroon color. So you have majority of your money combined in those top four, which is to obviously grow that super for you while you still have plenty of time.\n\nChannel 1: That's\n\nChannel 0: But\n\nChannel 1: right.\n\nChannel 0: then we but then we also want a little bit of that defensive to limit fluctuations a little bit, but not too much. So we have about 10% in those bottom three. Limit fluctuations to stabilize things a little bit when there are fluctuations. But, again, that's just kind of about 10%. Majority is in those top to grow that super.\n\nNow what we also factor in is time. Because you can obviously see here that if you were to be retiring tomorrow, we might wanna look at reducing the risk exposure so it's not like a big drop at the time. While you still have time for retirement, you can take advantage of this little up and down to grow it. So in a high growth portfolio, we ideally like to see about eight years till retirement, making sure you have enough time for these ups and downs. What you do have at the moment, if you are still kind of comfortable with the way things are going and tracking for you and your current high growth portfolio, Evangeline.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Does this kind of make sense? Like, sometimes it's a bit messy, but I find it's a good way to kind of look at things from a larger scale.\n\nChannel 1: No. I'm with you. I I\n\nChannel 0: Yeah.\n\nChannel 1: thank you for educating me this, but but I am with\n\nChannel 0: No.\n\nChannel 1: you.\n\nChannel 0: Oh, beautiful. Now if you can press next for me so we're almost at the end.\n\nChannel 1: Okay. Thank you. And it say here is off view service guide.\n\nChannel 0: Yes. So you probably split the final last year, but it is just a bit of an updated version. So this is our financial services guide, and it just gives you all the important information in regards to us here at Oakview. None of the important information has changed. But we've had a bit of an extension to the team, which is good, and also a bit of an updated marketing to what you potentially saw last year.\n\nBut if you scroll through, you will see as you go through and I'll let you have a read over this in your own time so I don't keep you for too long. You will see all the directors and our advisers. And if you want to scroll down to page 10, you will actually see a photo of myself. And sometimes it's nice to put a face to the voice.\n\nChannel 1: Page 10, did you say?\n\nChannel 0: Yes.\n\nChannel 1: Page\n\nChannel 0: Page\n\nChannel 1: 10.\n\nChannel 0: 10.\n\nChannel 1: Where are you, page 10? I want to see you. Page 10. Oh, I can only see 12. So page 10 would be you're beside to the gentleman.\n\nEmily.\n\nChannel 0: No. Oh, so you've scrolled one page too far. So go up one page.\n\nChannel 1: Okay. Veronica.\n\nChannel 0: Yeah. That's me.\n\nChannel 1: Oh, you're so beautiful.\n\nChannel 0: Oh, thank you.\n\nChannel 1: Okay. Okay.\n\nChannel 0: And sometimes, yeah, sometimes it's nice to see, especially as we're doing things over the phone. It's nice to see, you know, who who you're talking to as well, make it a bit more personal.\n\nChannel 1: Right. Yeah. Lovely.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you for that.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: Lovely\n\nChannel 0: okay.\n\nChannel 1: to make you're so beautiful.\n\nChannel 0: Yes.\n\nChannel 1: Thank you for going\n\nChannel 0: Oh,\n\nChannel 1: through\n\nChannel 0: thank\n\nChannel 1: with\n\nChannel 0: you.\n\nChannel 1: me with all my super. This\n\nChannel 0: Yes.\n\nChannel 1: is the hard work I ever had for all my life, I think.\n\nChannel 0: Yeah.\n\nChannel 1: Super. I'm glad we\n\nChannel 0: Yeah.\n\nChannel 1: have super in Australia.\n\nChannel 0: Yes. And that's\n\nChannel 1: Yeah.\n\nChannel 0: so good because, yeah, you work hard. You wanna make sure that your hard work is doing the right thing and that, you know, when you do retire, you can live comfortably. So that's really good, and that's what we're here to do. And also help educate you and make you make the best decisions for yourself at the end of the day.\n\nChannel 1: That's correct. Thank you very much.\n\nChannel 0: Yeah. No. That's okay. Now the next two documents, it will ask you to add a little signature if you are happy to do so. So if you press next for me, you should have the first one first where it says hub 24 consent to new ongoing fee.\n\nCan\n\nChannel 1: Arrangement.\n\nChannel 0: you see that one?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So this one here basically says that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. Because Steven is a client as well, you guys are both on a reduced fee, which is good. So that stays exactly the same at 1.1% from.\n\nSo no changes or increases at all in regards to that fee structure, and it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, by signing this document, it allows us to manage and service your account and your investments and everything for you in the meantime.\n\nChannel 1: Alright. Lovely.\n\nChannel 0: Thank you.\n\nChannel 1: So\n\nChannel 0: So it will\n\nChannel 1: I\n\nChannel 0: ask mhmm.\n\nChannel 1: I have clicked next, and it came\n\nChannel 0: Yep.\n\nChannel 1: to sign all.\n\nChannel 0: Yes. Sorry. It will ask you to draw, scribble a little signature.\n\nChannel 1: Sign all. On. Yeah. And the date, next. Is that done?\n\nChannel 0: If it take you to next, can you see the is this a tax file number option to provide tax fund number?\n\nChannel 1: Tax file number. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: DCN.\n\nChannel 0: So that probably\n\nChannel 1: Signature\n\nChannel 0: yep.\n\nChannel 1: as well.\n\nChannel 0: Yes. So this is just just\n\nChannel 1: And\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: compliance\n\nChannel 1: date.\n\nChannel 0: form, but it just says that we are keeping a tax fund number secure and safe on file.\n\nChannel 1: Yeah. But I would like to to get the phone for beneficiary\n\nChannel 0: Yes.\n\nChannel 1: so that is on place for me.\n\nChannel 0: Yes.\n\nChannel 1: And,\n\nChannel 0: Yes.\n\nChannel 1: also, the you will email myself and Steve regarding\n\nChannel 0: Yes.\n\nChannel 1: the wheel place.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. I will get my team, so I will get my team to email, both of you. So I will get my team. It will be my colleague, Whitlam, who you will get the email from, And I will let him know to send email you those beneficiary forms as soon as possible so that you have them so we can get that sorted, and then send another one for for both of you with the lawyer information. So, again, you have pricing and everything.\n\nIf you guys do decide, that is something you wanna have a look at.\n\nChannel 1: Yeah. That that's great.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. I'm\n\nChannel 0: And\n\nChannel 1: so glad\n\nChannel 0: then\n\nChannel 1: you guys look everything for us.\n\nChannel 0: yeah. That's what we're here to do. And, you know, if at any point in time you need anything, don't hesitate to give us a call or or send me an email. You can do it whenever you want to. It doesn't have to be under review time.\n\nSo if there's anything you need, just don't hesitate to give us a call. Okay?\n\nChannel 1: Okay. I will do that. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you very much.\n\nChannel 0: No problem. Well, I will let you go and enjoy the rest of your afternoon unless you have any other questions for me. And it was lovely speaking with you today.\n\nChannel 1: Okay. Same to you. So\n\nChannel 0: Mhmm.\n\nChannel 1: is everything all good now? It's been\n\nChannel 0: Yes.\n\nChannel 1: fine and everything?\n\nChannel 0: Yep. I\n\nChannel 1: Oh,\n\nChannel 0: have seen\n\nChannel 1: lovely.\n\nChannel 0: it's all been signed. And if you ever wanna go back and have a read over them, it is saved there for you if you ever go back into the email. If you have any issues, though, you can just email me or give us a call because we always keep all the copies on file if you do wanna go back and have a look at them at any point in time as well.\n\nChannel 1: Okay. Lovely. Thank\n\nChannel 0: Yep.\n\nChannel 1: you so much. Thank you for giving\n\nChannel 0: No.\n\nChannel 1: me a call.\n\nChannel 0: No. No problem. I look forward to speaking with you soon again, and I hope you enjoy the rest of your afternoon.\n\nChannel 1: Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.4399999,"end":2.1599998,"sentiment":"positive","sentiment_score":0.40044738352298737},{"text":"This is Veronica from Financial.","start":2.1599998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.30625343322753906},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.2314485361178716}],"sentiment":"neutral","sentiment_score":0.3026507541537285,"channel":0,"num_words":10,"start":1.4399999,"end":4.98},{"sentences":[{"text":"I'm good.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.6698128879070282},{"text":"Thank you.","start":6.96,"end":7.7,"sentiment":"positive","sentiment_score":0.7746593356132507}],"sentiment":"positive","sentiment_score":0.7222361117601395,"channel":1,"num_words":4,"start":6.3999996,"end":7.7},{"sentences":[{"text":"That's good.","start":8.4,"end":9.3,"sentiment":"positive","sentiment_score":0.7546904683113098},{"text":"I had to book in to go over your annual review.","start":10.16,"end":13.04,"sentiment":"positive","sentiment_score":0.4090398008173162},{"text":"Is now still a good time for you?","start":13.04,"end":14.82,"sentiment":"neutral","sentiment_score":0.32742735743522644}],"sentiment":"positive","sentiment_score":0.4108684573854719,"channel":0,"num_words":21,"start":8.4,"end":14.82},{"sentences":[{"text":"Yes.","start":15.705,"end":16.205,"sentiment":"neutral","sentiment_score":0.19213995337486267},{"text":"Thank you for calling","start":16.265,"end":17.305,"sentiment":"positive","sentiment_score":0.351961687207222}],"sentiment":"neutral","sentiment_score":0.3199973404407501,"channel":1,"num_words":5,"start":15.705,"end":17.305},{"sentences":[{"text":"Yes.","start":17.135,"end":17.635,"sentiment":"neutral","sentiment_score":0.15440644323825836}],"sentiment":"neutral","sentiment_score":0.15440644323825836,"channel":0,"num_words":1,"start":17.135,"end":17.635},{"sentences":[{"text":"me.","start":17.305,"end":17.805,"sentiment":"neutral","sentiment_score":0.16471266746520996}],"sentiment":"neutral","sentiment_score":0.16471266746520996,"channel":1,"num_words":1,"start":17.305,"end":17.805},{"sentences":[{"text":"No.","start":18.335001,"end":18.655,"sentiment":"neutral","sentiment_score":-0.04155460745096207},{"text":"That's okay.","start":18.655,"end":19.475,"sentiment":"neutral","sentiment_score":-0.0010203346610069275},{"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":20.335001,"end":30.035,"sentiment":"neutral","sentiment_score":0.0058051973821655395}],"sentiment":"neutral","sentiment_score":0.004010760061004583,"channel":0,"num_words":34,"start":18.335001,"end":30.035},{"sentences":[{"text":"Yes.","start":30.585,"end":30.99,"sentiment":"neutral","sentiment_score":0.011893562972545624},{"text":"Who am I talking","start":31.07,"end":31.71,"sentiment":"neutral","sentiment_score":-0.0026013278402388096}],"sentiment":"neutral","sentiment_score":0.00029765032231807707,"channel":1,"num_words":5,"start":30.585,"end":31.71},{"sentences":[{"text":"Yes.","start":31.58,"end":32.08,"sentiment":"neutral","sentiment_score":0.0034453156404197216}],"sentiment":"neutral","sentiment_score":0.0034453156404197216,"channel":0,"num_words":1,"start":31.58,"end":32.08},{"sentences":[{"text":"to?","start":31.71,"end":31.949999,"sentiment":"neutral","sentiment_score":0.0032886210829019547},{"text":"This is Oakview Financial.","start":31.949999,"end":33.41,"sentiment":"neutral","sentiment_score":0.011436266591772437},{"text":"Yes?","start":33.55,"end":34.05,"sentiment":"neutral","sentiment_score":0.018070382997393608}],"sentiment":"neutral","sentiment_score":0.011184011741230885,"channel":1,"num_words":6,"start":31.71,"end":34.05},{"sentences":[{"text":"Correct.","start":34.379997,"end":34.78,"sentiment":"neutral","sentiment_score":0.04354261979460716},{"text":"And it's Veronica.","start":34.78,"end":35.76,"sentiment":"neutral","sentiment_score":0.02944900592168172}],"sentiment":"neutral","sentiment_score":0.03297240938991308,"channel":0,"num_words":4,"start":34.379997,"end":35.76},{"sentences":[{"text":"Okay.","start":35.39,"end":35.89,"sentiment":"neutral","sentiment_score":0.0448141023516655},{"text":"Yes.","start":36.75,"end":37.25,"sentiment":"neutral","sentiment_score":0.04773730784654617}],"sentiment":"neutral","sentiment_score":0.046275705099105835,"channel":1,"num_words":2,"start":35.39,"end":37.25},{"sentences":[{"text":"Yes.","start":37.739998,"end":38.239998,"sentiment":"neutral","sentiment_score":0.047317273914813995},{"text":"Now I also just need to confirm that I am speaking with the right person just for security purposes.","start":39.42,"end":45.835003,"sentiment":"neutral","sentiment_score":0.026814044698288565},{"text":"So could I just get you to confirm your full name, date of birth, and address for me, please?","start":46.775,"end":52.795002,"sentiment":"neutral","sentiment_score":0.03813895151803368}],"sentiment":"neutral","sentiment_score":0.032857030821152225,"channel":0,"num_words":39,"start":37.739998,"end":52.795002},{"sentences":[{"text":"03/01/1972.","start":53.895,"end":56.235,"sentiment":"neutral","sentiment_score":0.0065105389803647995},{"text":"Evangeline Apollona.","start":56.295002,"end":57.755,"sentiment":"neutral","sentiment_score":0.017032730393111706},{"text":"10 Coral Way, Greenfield, WA 62","start":59.735,"end":63.62,"sentiment":"neutral","sentiment_score":0.026172674571474392}],"sentiment":"neutral","sentiment_score":0.021956894132826064,"channel":1,"num_words":9,"start":53.895,"end":63.62},{"sentences":[{"text":"Perfect.","start":64.79,"end":65.270004,"sentiment":"positive","sentiment_score":0.40366730093955994},{"text":"That's exactly what I have here.","start":65.270004,"end":67.03,"sentiment":"positive","sentiment_score":0.5146068086226782},{"text":"How's your day been?","start":67.03,"end":68.07,"sentiment":"neutral","sentiment_score":0.17656228691339493},{"text":"Been","start":68.07,"end":68.31,"sentiment":"neutral","sentiment_score":-0.016334161162376404}],"sentiment":"positive","sentiment_score":0.348435261597236,"channel":0,"num_words":12,"start":64.79,"end":68.31},{"sentences":[{"text":"ten.","start":68.24,"end":68.74,"sentiment":"neutral","sentiment_score":0.007676281034946442}],"sentiment":"neutral","sentiment_score":0.007676281034946442,"channel":1,"num_words":1,"start":68.24,"end":68.74},{"sentences":[{"text":"busy?","start":68.31,"end":68.81,"sentiment":"neutral","sentiment_score":0.01231236383318901}],"sentiment":"neutral","sentiment_score":0.01231236383318901,"channel":0,"num_words":1,"start":68.31,"end":68.81},{"sentences":[{"text":"Yes.","start":69.52,"end":70.02,"sentiment":"neutral","sentiment_score":0.08799399435520172},{"text":"Always.","start":70.159996,"end":70.659996,"sentiment":"neutral","sentiment_score":0.1033354327082634}],"sentiment":"neutral","sentiment_score":0.09566471353173256,"channel":1,"num_words":2,"start":69.52,"end":70.659996},{"sentences":[{"text":"Yeah.","start":70.525,"end":71.025,"sentiment":"neutral","sentiment_score":0.0773099809885025},{"text":"Well, I will try not to keep you for too long.","start":71.805,"end":74.545,"sentiment":"neutral","sentiment_score":0.013778322799639269},{"text":"But before I do jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of their review today or any particular questions or just a kind of a bit of an update and see what kind of everything is up to?","start":76.365,"end":91.33,"sentiment":"neutral","sentiment_score":0.033280805159698834}],"sentiment":"neutral","sentiment_score":0.030736056948775677,"channel":0,"num_words":67,"start":70.525,"end":91.33},{"sentences":[{"text":"Yeah.","start":92.225006,"end":92.625,"sentiment":"neutral","sentiment_score":-0.007435185834765434},{"text":"We're just find out where where we're up to at the moment.","start":92.625,"end":95.84,"sentiment":"neutral","sentiment_score":-0.03362706412250797}],"sentiment":"neutral","sentiment_score":-0.03161230425422008,"channel":1,"num_words":13,"start":92.225006,"end":95.84},{"sentences":[{"text":"Yeah.","start":96.125,"end":96.365,"sentiment":"neutral","sentiment_score":0.09212984144687653},{"text":"Okay.","start":96.365,"end":96.845,"sentiment":"neutral","sentiment_score":0.2429695725440979},{"text":"Beautiful.","start":96.845,"end":97.345,"sentiment":"positive","sentiment_score":0.41488778591156006},{"text":"Now what I will do first is just go through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life.","start":97.884995,"end":106.784996,"sentiment":"neutral","sentiment_score":0.07375172668081872},{"text":"If we need to make any changes to your advice.","start":107.200005,"end":110.74,"sentiment":"neutral","sentiment_score":0.01720695272088051}],"sentiment":"neutral","sentiment_score":0.07297054115445056,"channel":0,"num_words":47,"start":96.125,"end":110.74},{"sentences":[{"text":"So just kind of bear with me as I go through this information that I have here.","start":110.88,"end":114.98,"sentiment":"neutral","sentiment_score":0.05406046549186987},{"text":"Now when it comes to your personal information, I have you down here that you are in a de facto relationship and that you have a financial dependent at home.","start":116.0,"end":126.895,"sentiment":"neutral","sentiment_score":0.01983774888018767},{"text":"Is that still correct?","start":126.895,"end":128.035,"sentiment":"neutral","sentiment_score":0.028795018792152405}],"sentiment":"neutral","sentiment_score":0.03194785205756917,"channel":0,"num_words":51,"start":110.88,"end":128.035},{"sentences":[{"text":"Correct.","start":128.32,"end":128.82,"sentiment":"neutral","sentiment_score":0.0826912671327591}],"sentiment":"neutral","sentiment_score":0.0826912671327591,"channel":1,"num_words":1,"start":128.32,"end":128.82},{"sentences":[{"text":"Yep.","start":129.455,"end":129.855,"sentiment":"neutral","sentiment_score":0.12535782158374786},{"text":"Perfect.","start":129.855,"end":130.355,"sentiment":"neutral","sentiment_score":0.3111635446548462},{"text":"And next up, Ken, I have see the nominator.","start":130.735,"end":133.715,"sentiment":"neutral","sentiment_score":0.16037222743034363},{"text":"That's also correct?","start":133.855,"end":134.88,"sentiment":"neutral","sentiment_score":0.1322768653432528}],"sentiment":"neutral","sentiment_score":0.1626215720815318,"channel":0,"num_words":14,"start":129.455,"end":134.88},{"sentences":[{"text":"Correct.","start":135.695,"end":136.195,"sentiment":"neutral","sentiment_score":0.1379837989807129}],"sentiment":"neutral","sentiment_score":0.1379837989807129,"channel":1,"num_words":1,"start":135.695,"end":136.195},{"sentences":[{"text":"Perfect.","start":136.8,"end":137.3,"sentiment":"neutral","sentiment_score":0.009741769172251225},{"text":"Now when it comes to your occupation, has any of that changed, or are you still at the the same place doing, like, the factory worker?","start":137.92,"end":147.46,"sentiment":"neutral","sentiment_score":0.0031595818805866516}],"sentiment":"neutral","sentiment_score":0.003403366595092747,"channel":0,"num_words":27,"start":136.8,"end":147.46},{"sentences":[{"text":"That's correct.","start":148.15001,"end":149.05,"sentiment":"neutral","sentiment_score":0.13443397730588913}],"sentiment":"neutral","sentiment_score":0.13443397730588913,"channel":1,"num_words":2,"start":148.15001,"end":149.05},{"sentences":[{"text":"Yep.","start":149.385,"end":149.705,"sentiment":"neutral","sentiment_score":0.23114894330501556},{"text":"And you're still enjoying it?","start":149.705,"end":151.485,"sentiment":"positive","sentiment_score":0.4426929414272308}],"sentiment":"positive","sentiment_score":0.4074356084068616,"channel":0,"num_words":6,"start":149.385,"end":151.485},{"sentences":[{"text":"Yes.","start":152.15001,"end":152.55,"sentiment":"positive","sentiment_score":0.35050541162490845},{"text":"I'm 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something were to happen to you.","start":1069.55,"end":1092.045,"sentiment":"neutral","sentiment_score":0.0357941249630561},{"text":"So do you remember receiving a post with some beneficiary forms to complete?","start":1092.63,"end":1100.81,"sentiment":"neutral","sentiment_score":0.04210268218929951},{"text":"Do you remember","start":1101.51,"end":1102.31,"sentiment":"neutral","sentiment_score":0.017005679197609425}],"sentiment":"neutral","sentiment_score":0.036269049160182476,"channel":0,"num_words":54,"start":1069.55,"end":1102.31},{"sentences":[{"text":"I 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a link?","start":1752.55,"end":1753.77,"sentiment":"neutral","sentiment_score":0.02790742591023445}],"sentiment":"neutral","sentiment_score":0.0390445278449492,"channel":0,"num_words":11,"start":1751.03,"end":1753.77},{"sentences":[{"text":"Yeah.","start":1754.245,"end":1754.745,"sentiment":"neutral","sentiment_score":0.03015827387571335}],"sentiment":"neutral","sentiment_score":0.03015827387571335,"channel":1,"num_words":1,"start":1754.245,"end":1754.745},{"sentences":[{"text":"Yes.","start":1755.27,"end":1755.75,"sentiment":"neutral","sentiment_score":0.03833374008536339},{"text":"Okay.","start":1755.75,"end":1756.25,"sentiment":"neutral","sentiment_score":0.040073052048683167},{"text":"Try to click on that one for me.","start":1756.39,"end":1758.17,"sentiment":"neutral","sentiment_score":0.047581108286976814}],"sentiment":"neutral","sentiment_score":0.04590556584298611,"channel":0,"num_words":10,"start":1755.27,"end":1758.17},{"sentences":[{"text":"Okay.","start":1760.24,"end":1760.74,"sentiment":"neutral","sentiment_score":0.0439879298210144},{"text":"Okay.","start":1764.88,"end":1765.38,"sentiment":"neutral","sentiment_score":0.04833407327532768},{"text":"Yeah.","start":1769.295,"end":1769.6951,"sentiment":"neutral","sentiment_score":0.05007046461105347},{"text":"I have here superannuation 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one is the first document that you can see?","start":1778.0901,"end":1781.85,"sentiment":"neutral","sentiment_score":0.19289750140160322},{"text":"And we'll just do it in the order that you can see to make it easier.","start":1781.85,"end":1785.0701,"sentiment":"neutral","sentiment_score":0.17769726738333702},{"text":"What's the first thing you can see?","start":1785.37,"end":1787.39,"sentiment":"neutral","sentiment_score":0.038062576204538345}],"sentiment":"neutral","sentiment_score":0.16650478714486447,"channel":0,"num_words":41,"start":1776.81,"end":1787.39},{"sentences":[{"text":"Say again?","start":1793.73,"end":1794.2899,"sentiment":"neutral","sentiment_score":-0.029327701777219772},{"text":"Sorry.","start":1794.2899,"end":1794.61,"sentiment":"neutral","sentiment_score":-0.21339157223701477},{"text":"I lost 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yes.","start":2002.15,"end":2002.87,"sentiment":"neutral","sentiment_score":0.07869695499539375},{"text":"Yes.","start":2002.87,"end":2003.37,"sentiment":"neutral","sentiment_score":0.07471469789743423},{"text":"Because","start":2003.43,"end":2003.8301,"sentiment":"neutral","sentiment_score":0.05897799879312515}],"sentiment":"neutral","sentiment_score":0.07277165167033672,"channel":1,"num_words":4,"start":2002.15,"end":2003.8301},{"sentences":[{"text":"Yeah.","start":2003.48,"end":2003.98,"sentiment":"neutral","sentiment_score":0.07009483873844147}],"sentiment":"neutral","sentiment_score":0.07009483873844147,"channel":0,"num_words":1,"start":2003.48,"end":2003.98},{"sentences":[{"text":"I can see my total when I joined when I","start":2003.8301,"end":2007.43,"sentiment":"neutral","sentiment_score":0.059984282776713374}],"sentiment":"neutral","sentiment_score":0.059984282776713374,"channel":1,"num_words":10,"start":2003.8301,"end":2007.43},{"sentences":[{"text":"Yes.","start":2007.32,"end":2007.82,"sentiment":"neutral","sentiment_score":0.045758478343486786}],"sentiment":"neutral","sentiment_score":0.045758478343486786,"channel":0,"num_words":1,"start":2007.32,"end":2007.82},{"sentences":[{"text":"joined the what do you call this one, the hub, is the money there is sitting $4.99.","start":2007.43,"end":2016.485,"sentiment":"neutral","sentiment_score":0.05078098309390685}],"sentiment":"neutral","sentiment_score":0.05078098309390685,"channel":1,"num_words":17,"start":2007.43,"end":2016.485},{"sentences":[{"text":"Yes.","start":2016.145,"end":2016.645,"sentiment":"neutral","sentiment_score":0.03477459400892258},{"text":"Mhmm.","start":2016.9451,"end":2017.4451,"sentiment":"neutral","sentiment_score":0.027630947530269623}],"sentiment":"neutral","sentiment_score":0.0312027707695961,"channel":0,"num_words":2,"start":2016.145,"end":2017.4451},{"sentences":[{"text":"Then maybe over the is that over a year now since I've been with the hub?","start":2018.145,"end":2023.525,"sentiment":"neutral","sentiment_score":0.02891275327419862}],"sentiment":"neutral","sentiment_score":0.02891275327419862,"channel":1,"num_words":16,"start":2018.145,"end":2023.525},{"sentences":[{"text":"Let me have a quick look for 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pretty pretty good growth since then, again, given the market conditions in the last twelve months.","start":2043.005,"end":2056.1099,"sentiment":"positive","sentiment_score":0.38353238850831983},{"text":"So, yeah, we're we're quite happy with that.","start":2057.45,"end":2059.55,"sentiment":"positive","sentiment_score":0.5369724221527576}],"sentiment":"neutral","sentiment_score":0.2861132297777768,"channel":0,"num_words":66,"start":2031.2799,"end":2059.55},{"sentences":[{"text":"Yeah.","start":2061.46,"end":2061.96,"sentiment":"neutral","sentiment_score":0.11179258674383163}],"sentiment":"neutral","sentiment_score":0.11179258674383163,"channel":1,"num_words":1,"start":2061.46,"end":2061.96},{"sentences":[{"text":"Yeah.","start":2062.445,"end":2062.945,"sentiment":"neutral","sentiment_score":0.05838225781917572},{"text":"Any 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in the long term for your retirement.","start":2083.74,"end":2086.3198,"sentiment":"neutral","sentiment_score":0.17111268556780285}],"sentiment":"neutral","sentiment_score":0.12105729215993331,"channel":0,"num_words":52,"start":2068.205,"end":2086.3198},{"sentences":[{"text":"But at the same time, we want to be proactive that if there are, obviously, market changes and depending on what's happening, we wanna stay on top of everything.","start":2087.0151,"end":2097.595,"sentiment":"neutral","sentiment_score":0.18706903246970014},{"text":"And if we foresee one investment underperforming a little bit to what we were expecting or not doing as well as we would like, we also want to look at potentially changing it for another better option for you.","start":2097.655,"end":2111.9502,"sentiment":"neutral","sentiment_score":-0.19504296684112304},{"text":"So the good thing with hub twenty four is that there's hundreds of different options for us to choose from in making sure that we always have you in the best options possible for your retirement.","start":2112.435,"end":2123.2551,"sentiment":"positive","sentiment_score":0.5726873179276785},{"text":"So one of your investments, it's called Benelung Australian Equity that you have in your portfolio at the moment.","start":2124.5151,"end":2133.64,"sentiment":"neutral","sentiment_score":0.18954112498383774},{"text":"That one has underperformed a little bit.","start":2134.42,"end":2137.155,"sentiment":"neutral","sentiment_score":0.23104028403759003}],"sentiment":"neutral","sentiment_score":0.18195102340899982,"channel":0,"num_words":130,"start":2087.0151,"end":2137.155},{"sentences":[{"text":"So the investment committee do a lot of research on the investments to tryna find the best option, and we have found one that we would like to change it to if you are okay with it.","start":2138.115,"end":2154.45,"sentiment":"neutral","sentiment_score":0.10241545162893631},{"text":"So the Benelon that you currently have in your portfolio, it is an Australian investment, so they invest in the Australian market.","start":2154.8298,"end":2163.0898,"sentiment":"neutral","sentiment_score":0.04301491083407944},{"text":"And they're kind of trying to buy and sell investments pretty quickly to try to outperform the market.","start":2163.905,"end":2171.2048,"sentiment":"neutral","sentiment_score":-0.0020002776549922097},{"text":"And they have been really good, but recently, they've been a little bit slower in those choices.","start":2172.305,"end":2177.125,"sentiment":"neutral","sentiment_score":-0.1588046658126747},{"text":"So the investment committee have found a similar option.","start":2178.0999,"end":2182.1199,"sentiment":"neutral","sentiment_score":-0.05192165469957723}],"sentiment":"neutral","sentiment_score":0.01488078193901812,"channel":0,"num_words":103,"start":2138.115,"end":2182.1199},{"sentences":[{"text":"So in getting investing in the Australian market, because if we take one Australian investment out, we wanna make 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you.","start":2227.7,"end":2228.44,"sentiment":"neutral","sentiment_score":0.09854263812303543}],"sentiment":"neutral","sentiment_score":0.09854263812303543,"channel":1,"num_words":2,"start":2227.7,"end":2228.44},{"sentences":[{"text":"Yes.","start":2228.585,"end":2228.905,"sentiment":"neutral","sentiment_score":0.19609852135181427},{"text":"Perfect.","start":2228.905,"end":2229.385,"sentiment":"positive","sentiment_score":0.4124315679073334},{"text":"So you will have all the big companies like their banks and BHP and Woolworths.","start":2229.385,"end":2234.63,"sentiment":"neutral","sentiment_score":0.3026180962721507},{"text":"So very diversified.","start":2234.93,"end":2236.15,"sentiment":"neutral","sentiment_score":0.29299384355545044},{"text":"Now what we have found with this option instead of Benelon is that it is a bit cheaper because instead of doing that kind of buying and selling quickly, it just tracks those 200 largest companies.","start":2236.93,"end":2250.065,"sentiment":"neutral","sentiment_score":0.31685517645544475}],"sentiment":"neutral","sentiment_score":0.3113137395786388,"channel":0,"num_words":56,"start":2228.585,"end":2250.065},{"sentences":[{"text":"So it's a little bit more simplified in that way.","start":2250.125,"end":2253.105,"sentiment":"neutral","sentiment_score":0.33097889423370364},{"text":"So it is a bit cheaper, which we'll obviously see their fees being reduced a little bit, which is great because that means they're gonna have more money in super.","start":2253.405,"end":2261.025,"sentiment":"positive","sentiment_score":0.7198960244655609},{"text":"This also performed a little bit better as well.","start":2261.91,"end":2264.8098,"sentiment":"positive","sentiment_score":0.6803769932852851},{"text":"So if you are happy for us to do that, we would like to look at changing the bend along or this a 200 option if you are okay with that.","start":2265.43,"end":2277.405,"sentiment":"positive","sentiment_score":0.34489457934133466}],"sentiment":"positive","sentiment_score":0.5215224321931601,"channel":0,"num_words":80,"start":2250.125,"end":2277.405},{"sentences":[{"text":"Yeah.","start":2278.47,"end":2278.71,"sentiment":"neutral","sentiment_score":0.1999501883983612},{"text":"Sure 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what I will do just for your information, you don't have to sign it or anything like that, but I will email you probably in the next couple of days.","start":2282.285,"end":2292.1199,"sentiment":"neutral","sentiment_score":0.1674845713761545},{"text":"It is called a record of advice.","start":2292.1199,"end":2294.6199,"sentiment":"neutral","sentiment_score":0.13688401665006364},{"text":"It is just so that you have in writing as well that they change.","start":2295.16,"end":2300.2,"sentiment":"neutral","sentiment_score":0.16297539483223641},{"text":"So just from Benelon to 8200.","start":2300.2,"end":2302.6199,"sentiment":"neutral","sentiment_score":0.12994371354579926},{"text":"Like I said, you don't need to change it or you don't need to sign it or anything, but it's just there for your reference so that you know.","start":2302.76,"end":2309.7349,"sentiment":"neutral","sentiment_score":0.154147293033271}],"sentiment":"neutral","sentiment_score":0.15726205903565746,"channel":0,"num_words":87,"start":2282.285,"end":2309.7349},{"sentences":[{"text":"Does","start":2310.275,"end":2310.435,"sentiment":"neutral","sentiment_score":0.11101044714450836}],"sentiment":"neutral","sentiment_score":0.11101044714450836,"channel":0,"num_words":1,"start":2310.275,"end":2310.435},{"sentences":[{"text":"Okay.","start":2310.32,"end":2310.7202,"sentiment":"neutral","sentiment_score":0.1915159523487091}],"sentiment":"neutral","sentiment_score":0.1915159523487091,"channel":1,"num_words":1,"start":2310.32,"end":2310.7202},{"sentences":[{"text":"that 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not too many other documents to go, but what is the next one?","start":2313.4749,"end":2317.315,"sentiment":"neutral","sentiment_score":0.09481709184391159},{"text":"If you press next for me,","start":2317.315,"end":2318.97,"sentiment":"neutral","sentiment_score":0.02738245266179244}],"sentiment":"neutral","sentiment_score":0.08758279131281943,"channel":0,"num_words":21,"start":2312.035,"end":2318.97},{"sentences":[{"text":"Yes.","start":2319.4402,"end":2319.9402,"sentiment":"neutral","sentiment_score":0.04843991994857788}],"sentiment":"neutral","sentiment_score":0.04843991994857788,"channel":1,"num_words":1,"start":2319.4402,"end":2319.9402},{"sentences":[{"text":"what can you see?","start":2319.8499,"end":2320.99,"sentiment":"neutral","sentiment_score":0.0397698013111949}],"sentiment":"neutral","sentiment_score":0.0397698013111949,"channel":0,"num_words":4,"start":2319.8499,"end":2320.99},{"sentences":[{"text":"Certificate of currency.","start":2322.595,"end":2324.135,"sentiment":"neutral","sentiment_score":0.05237647766868273}],"sentiment":"neutral","sentiment_score":0.05237647766868273,"channel":1,"num_words":3,"start":2322.595,"end":2324.135},{"sentences":[{"text":"Yep.","start":2324.97,"end":2325.3699,"sentiment":"neutral","sentiment_score":0.1042204648256302},{"text":"So that one here, it basically just breaks down your insurances again, but in a little bit more information.","start":2325.3699,"end":2331.55,"sentiment":"neutral","sentiment_score":0.11333135005674864},{"text":"But let's see if that's all paid and up to date, essentially.","start":2332.345,"end":2335.165,"sentiment":"neutral","sentiment_score":0.13621895449856916}],"sentiment":"neutral","sentiment_score":0.12162948655895889,"channel":0,"num_words":32,"start":2324.97,"end":2335.165},{"sentences":[{"text":"That's right.","start":2336.3398,"end":2337.16,"sentiment":"neutral","sentiment_score":0.11287081986665726}],"sentiment":"neutral","sentiment_score":0.11287081986665726,"channel":1,"num_words":2,"start":2336.3398,"end":2337.16},{"sentences":[{"text":"Yep.","start":2337.7852,"end":2338.2852,"sentiment":"neutral","sentiment_score":0.07366994023323059},{"text":"And if you click next for me.","start":2338.5051,"end":2340.5251,"sentiment":"neutral","sentiment_score":0.04813799315265247}],"sentiment":"neutral","sentiment_score":0.05132948653772473,"channel":0,"num_words":8,"start":2337.7852,"end":2340.5251},{"sentences":[{"text":"Yes.","start":2340.8198,"end":2341.3198,"sentiment":"neutral","sentiment_score":0.0341339185833931},{"text":"Oh, this is to $20.25 Vanguard and Dexcharge?","start":2343.14,"end":2347.4,"sentiment":"neutral","sentiment_score":0.02661184361204505},{"text":"Well, I don't","start":2347.78,"end":2348.3398,"sentiment":"neutral","sentiment_score":-0.11285574734210968}],"sentiment":"neutral","sentiment_score":-0.007628214545547961,"channel":1,"num_words":12,"start":2340.8198,"end":2348.3398},{"sentences":[{"text":"Yes.","start":2348.28,"end":2348.78,"sentiment":"neutral","sentiment_score":-0.11123638600111008}],"sentiment":"neutral","sentiment_score":-0.11123638600111008,"channel":0,"num_words":1,"start":2348.28,"end":2348.78},{"sentences":[{"text":"know.","start":2348.3398,"end":2348.5798,"sentiment":"neutral","sentiment_score":-0.1757562756538391},{"text":"I don't understand this very well.","start":2348.5798,"end":2350.395,"sentiment":"negative","sentiment_score":-0.3465290168921153}],"sentiment":"neutral","sentiment_score":-0.32213291100093294,"channel":1,"num_words":7,"start":2348.3398,"end":2350.395},{"sentences":[{"text":"No.","start":2350.8398,"end":2351.3398,"sentiment":"neutral","sentiment_score":-0.19801652431488037},{"text":"I've never seen something like this before.","start":2351.48,"end":2353.74,"sentiment":"neutral","sentiment_score":-0.17945043529782975}],"sentiment":"neutral","sentiment_score":-0.1817711964249611,"channel":0,"num_words":8,"start":2350.8398,"end":2353.74},{"sentences":[{"text":"Only in the news, but I am","start":2354.715,"end":2356.795,"sentiment":"neutral","sentiment_score":-0.09253864735364914}],"sentiment":"neutral","sentiment_score":-0.09253864735364914,"channel":1,"num_words":7,"start":2354.715,"end":2356.795},{"sentences":[{"text":"Okay.","start":2356.695,"end":2357.195,"sentiment":"neutral","sentiment_score":-0.09649490565061568}],"sentiment":"neutral","sentiment_score":-0.09649490565061568,"channel":0,"num_words":1,"start":2356.695,"end":2357.195},{"sentences":[{"text":"not really yes.","start":2356.795,"end":2358.985,"sentiment":"neutral","sentiment_score":-0.10541265209515889}],"sentiment":"neutral","sentiment_score":-0.10541265209515889,"channel":1,"num_words":3,"start":2356.795,"end":2358.985},{"sentences":[{"text":"No.","start":2359.495,"end":2359.995,"sentiment":"neutral","sentiment_score":-0.06177916377782822},{"text":"So, basically, what it is is it shows us the different asset classes in the market and how they've moved over time.","start":2360.215,"end":2369.73,"sentiment":"neutral","sentiment_score":0.011234698139808395},{"text":"But for example, it's it's it's a good visual representation of what we are talking about when we are talking about the market because it shows you all the ups and downs of the market.","start":2370.53,"end":2382.55,"sentiment":"neutral","sentiment_score":0.08813174058284079},{"text":"Now","start":2383.09,"end":2383.59,"sentiment":"neutral","sentiment_score":0.04127098619937897}],"sentiment":"neutral","sentiment_score":0.056123154269436655,"channel":0,"num_words":59,"start":2359.495,"end":2383.59},{"sentences":[{"text":"Correct.","start":2383.465,"end":2383.965,"sentiment":"neutral","sentiment_score":0.05965813249349594}],"sentiment":"neutral","sentiment_score":0.05965813249349594,"channel":1,"num_words":1,"start":2383.465,"end":2383.965},{"sentences":[{"text":"this one here goes all the way back from 1995 through to 2025.","start":2383.65,"end":2391.215,"sentiment":"neutral","sentiment_score":0.04002576547030073},{"text":"And then you have all the different kind of major events that happen in the world, and that you can then see kind of correlate sometimes with those kind of up and down movement.","start":2391.7551,"end":2400.735,"sentiment":"neutral","sentiment_score":-0.006658021031933672}],"sentiment":"neutral","sentiment_score":0.006254515660173716,"channel":0,"num_words":47,"start":2383.65,"end":2400.735},{"sentences":[{"text":"Loan.","start":2401.62,"end":2402.12,"sentiment":"neutral","sentiment_score":0.001533854752779007}],"sentiment":"neutral","sentiment_score":0.001533854752779007,"channel":1,"num_words":1,"start":2401.62,"end":2402.12},{"sentences":[{"text":"Now","start":2403.99,"end":2404.49,"sentiment":"neutral","sentiment_score":0.036708056926727295}],"sentiment":"neutral","sentiment_score":0.036708056926727295,"channel":0,"num_words":1,"start":2403.99,"end":2404.49},{"sentences":[{"text":"Loan.","start":2404.18,"end":2404.68,"sentiment":"neutral","sentiment_score":0.030570868402719498}],"sentiment":"neutral","sentiment_score":0.030570868402719498,"channel":1,"num_words":1,"start":2404.18,"end":2404.68},{"sentences":[{"text":"you can see that some obviously fluctuate and grow a lot more than others.","start":2405.51,"end":2410.1702,"sentiment":"neutral","sentiment_score":0.07409423030912876},{"text":"So","start":2411.51,"end":2412.01,"sentiment":"neutral","sentiment_score":0.2918793559074402}],"sentiment":"neutral","sentiment_score":0.08861323868234952,"channel":0,"num_words":15,"start":2405.51,"end":2412.01},{"sentences":[{"text":"I like this one, the US chair.","start":2411.5552,"end":2414.5352,"sentiment":"positive","sentiment_score":0.5295674928597042}],"sentiment":"positive","sentiment_score":0.5295674928597042,"channel":1,"num_words":7,"start":2411.5552,"end":2414.5352},{"sentences":[{"text":"Yes.","start":2415.045,"end":2415.545,"sentiment":"neutral","sentiment_score":0.1666068285703659}],"sentiment":"neutral","sentiment_score":0.1666068285703659,"channel":0,"num_words":1,"start":2415.045,"end":2415.545},{"sentences":[{"text":"Can","start":2416.675,"end":2416.915,"sentiment":"neutral","sentiment_score":0.13310137391090393}],"sentiment":"neutral","sentiment_score":0.13310137391090393,"channel":1,"num_words":1,"start":2416.675,"end":2416.915},{"sentences":[{"text":"Exactly.","start":2416.885,"end":2417.385,"sentiment":"neutral","sentiment_score":0.15107187628746033}],"sentiment":"neutral","sentiment_score":0.15107187628746033,"channel":0,"num_words":1,"start":2416.885,"end":2417.385},{"sentences":[{"text":"you pull me one of that?","start":2416.915,"end":2418.5352,"sentiment":"neutral","sentiment_score":0.11914516612887383}],"sentiment":"neutral","sentiment_score":0.11914516612887383,"channel":1,"num_words":6,"start":2416.915,"end":2418.5352},{"sentences":[{"text":"You actually have you actually have quite quite a bit in this.","start":2419.125,"end":2422.085,"sentiment":"neutral","sentiment_score":0.09415816329419613},{"text":"We don't want everything, obviously, because you don't want everything in in one section, but you do have quite a bit still in The US market, which is great.","start":2422.085,"end":2431.6401,"sentiment":"neutral","sentiment_score":0.13015770600659066},{"text":"So, basically, with your portfolio, we have a lot of different risk profiles to match both how you feel about fluctuations, but also how much time you have in the market.","start":2431.6401,"end":2443.195,"sentiment":"neutral","sentiment_score":0.10848560256342735},{"text":"So at the moment, we have you invested in a high growth portfolio.","start":2443.655,"end":2448.875,"sentiment":"neutral","sentiment_score":0.12085643296058361},{"text":"Do you remember what a high growth investor, what it means at all?","start":2450.0552,"end":2453.915,"sentiment":"neutral","sentiment_score":0.07936981435005482}],"sentiment":"neutral","sentiment_score":0.11092312579822479,"channel":0,"num_words":98,"start":2419.125,"end":2453.915},{"sentences":[{"text":"Yes.","start":2454.37,"end":2454.87,"sentiment":"neutral","sentiment_score":0.07931751012802124},{"text":"Yes.","start":2454.9302,"end":2455.4302,"sentiment":"neutral","sentiment_score":0.0880858302116394}],"sentiment":"neutral","sentiment_score":0.08370167016983032,"channel":1,"num_words":2,"start":2454.37,"end":2455.4302},{"sentences":[{"text":"Yeah.","start":2455.6,"end":2456.0,"sentiment":"neutral","sentiment_score":0.1080147624015808},{"text":"Yeah.","start":2456.0,"end":2456.5,"sentiment":"neutral","sentiment_score":0.15004540979862213},{"text":"So, basically, it tells me simply that you are wanting to grow your super as much as possible before retirement while you still have, you know, plenty of time until you decide to retire, but also that you understand that there will be some of these ups and downs market fluctuations in the short term for it.","start":2456.72,"end":2476.935,"sentiment":"neutral","sentiment_score":0.144000729317205},{"text":"So when we are then looking at how your money is invested currently in a high growth portfolio, we see 90% in what we call your growth assets.","start":2477.475,"end":2490.39,"sentiment":"neutral","sentiment_score":0.1419408536915268},{"text":"Now this is a combination of the top four.","start":2491.01,"end":2495.43,"sentiment":"neutral","sentiment_score":0.13730177366071278}],"sentiment":"neutral","sentiment_score":0.14246001676656306,"channel":0,"num_words":96,"start":2455.6,"end":2495.43},{"sentences":[{"text":"So that includes US shares, which you can see grow the most, but also fluctuates.","start":2495.89,"end":2500.725,"sentiment":"neutral","sentiment_score":0.14209581315517425},{"text":"You can then see the kind of darker green line, which is your Australian share.","start":2501.745,"end":2506.965,"sentiment":"neutral","sentiment_score":0.1251192847887675}],"sentiment":"neutral","sentiment_score":0.13360754897197089,"channel":0,"num_words":30,"start":2495.89,"end":2506.965},{"sentences":[{"text":"That's right.","start":2507.9202,"end":2508.74,"sentiment":"neutral","sentiment_score":0.2259906306862831}],"sentiment":"neutral","sentiment_score":0.2259906306862831,"channel":1,"num_words":2,"start":2507.9202,"end":2508.74},{"sentences":[{"text":"You also have yellow, which is your international share, and your property, that kind of maroon color.","start":2509.2651,"end":2517.02,"sentiment":"neutral","sentiment_score":0.21946557304438422},{"text":"So you have majority of your money combined in those top four, which is to obviously grow that super for you while you still have plenty of 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want a little bit of that defensive to limit fluctuations a little bit, but not too much.","start":2527.705,"end":2535.4648,"sentiment":"neutral","sentiment_score":0.09417968113785205},{"text":"So we have about 10% in those bottom three.","start":2535.4648,"end":2539.085,"sentiment":"neutral","sentiment_score":0.1536903828382492},{"text":"Limit fluctuations to stabilize things a little bit when there are fluctuations.","start":2539.51,"end":2543.85,"sentiment":"neutral","sentiment_score":0.11884440543750922},{"text":"But, again, that's just kind of about 10%.","start":2545.1902,"end":2547.9302,"sentiment":"neutral","sentiment_score":0.13788973167538643},{"text":"Majority is in those top to grow that super.","start":2547.99,"end":2551.61,"sentiment":"neutral","sentiment_score":0.2361625540587637}],"sentiment":"neutral","sentiment_score":0.13449278388355598,"channel":0,"num_words":61,"start":2527.705,"end":2551.61},{"sentences":[{"text":"Now what we also factor in is 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Evangeline.","start":2586.055,"end":2595.595,"sentiment":"neutral","sentiment_score":0.20786830374310095}],"sentiment":"neutral","sentiment_score":0.2034882049099738,"channel":0,"num_words":119,"start":2552.805,"end":2595.595},{"sentences":[{"text":"Yes.","start":2596.34,"end":2596.84,"sentiment":"neutral","sentiment_score":0.2333284467458725}],"sentiment":"neutral","sentiment_score":0.2333284467458725,"channel":1,"num_words":1,"start":2596.34,"end":2596.84},{"sentences":[{"text":"Yep.","start":2597.21,"end":2597.71,"sentiment":"neutral","sentiment_score":0.32232511043548584},{"text":"Beautiful.","start":2597.8499,"end":2598.3499,"sentiment":"positive","sentiment_score":0.5964545011520386},{"text":"Does this kind of make sense?","start":2598.41,"end":2599.77,"sentiment":"positive","sentiment_score":0.3350527087847392},{"text":"Like, sometimes it's a bit messy, but I find it's a good way to kind of look at things from a larger 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but I am with","start":2609.425,"end":2612.7852,"sentiment":"neutral","sentiment_score":0.07493615692312067}],"sentiment":"neutral","sentiment_score":0.07493615692312067,"channel":1,"num_words":11,"start":2609.425,"end":2612.7852},{"sentences":[{"text":"No.","start":2612.665,"end":2613.165,"sentiment":"neutral","sentiment_score":-0.10043404996395112}],"sentiment":"neutral","sentiment_score":-0.10043404996395112,"channel":0,"num_words":1,"start":2612.665,"end":2613.165},{"sentences":[{"text":"you.","start":2612.7852,"end":2613.2852,"sentiment":"neutral","sentiment_score":-0.04737035185098648}],"sentiment":"neutral","sentiment_score":-0.04737035185098648,"channel":1,"num_words":1,"start":2612.7852,"end":2613.2852},{"sentences":[{"text":"Oh, beautiful.","start":2613.705,"end":2614.605,"sentiment":"positive","sentiment_score":0.33940139412879944},{"text":"Now if you can press next for me so we're almost at the end.","start":2616.2651,"end":2619.725,"sentiment":"neutral","sentiment_score":0.1218642805303846}],"sentiment":"neutral","sentiment_score":0.14905641973018646,"channel":0,"num_words":16,"start":2613.705,"end":2619.725},{"sentences":[{"text":"Okay.","start":2620.11,"end":2620.59,"sentiment":"neutral","sentiment_score":0.13993000984191897},{"text":"Thank you.","start":2620.59,"end":2621.33,"sentiment":"neutral","sentiment_score":0.24631626904010773},{"text":"And it say here is off view service guide.","start":2622.59,"end":2627.25,"sentiment":"neutral","sentiment_score":0.059009394297997154}],"sentiment":"neutral","sentiment_score":0.09697059138367574,"channel":1,"num_words":12,"start":2620.11,"end":2627.25},{"sentences":[{"text":"Yes.","start":2627.8,"end":2628.3,"sentiment":"neutral","sentiment_score":0.05579745769500733},{"text":"So you probably split the final last year, but it is just a bit of an updated version.","start":2628.52,"end":2635.555,"sentiment":"neutral","sentiment_score":0.06334295289383994},{"text":"So this is our financial services guide, and it just gives you all the important information in regards to us here at Oakview.","start":2635.615,"end":2644.4348,"sentiment":"neutral","sentiment_score":0.15995461914850317},{"text":"None of the important information has changed.","start":2644.895,"end":2648.115,"sentiment":"neutral","sentiment_score":0.01069746698651995},{"text":"But we've had a bit of an extension to the team, which is good, and also a bit of an updated marketing to what you potentially saw last year.","start":2649.2798,"end":2658.5798,"sentiment":"neutral","sentiment_score":0.2565604119465269}],"sentiment":"neutral","sentiment_score":0.15884693673787972,"channel":0,"num_words":78,"start":2627.8,"end":2658.5798},{"sentences":[{"text":"But if you scroll through, you will see as you go through and I'll let you have a read over this in your own time so I don't keep you for too long.","start":2658.7998,"end":2667.805,"sentiment":"neutral","sentiment_score":0.14732783355496146},{"text":"You will see all the directors and our advisers.","start":2668.105,"end":2671.165,"sentiment":"neutral","sentiment_score":0.17772267758846283},{"text":"And if you want to scroll down to page 10, you will actually see a photo of myself.","start":2671.625,"end":2679.52,"sentiment":"neutral","sentiment_score":0.15644381236698893},{"text":"And sometimes it's nice to put a face to the voice.","start":2679.6602,"end":2682.6401,"sentiment":"neutral","sentiment_score":0.18293661827390845}],"sentiment":"neutral","sentiment_score":0.1590086482989956,"channel":0,"num_words":71,"start":2658.7998,"end":2682.6401},{"sentences":[{"text":"Page 10, did you 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Financial confirms personal information with the customer and checks their account to see if there is anything specific they want to review. They discuss the customer's income, employer, assets, liabilities, home and mortgage, health, lifestyle, and retirement goals. The agent explains the process of reviewing a high growth portfolio and emphasizes the importance of staying true to retirement goals and educating oneself to make the best decisions for oneself. The speaker provides financial services guides and emphasizes the importance of staying true to retirement goals and educating oneself to make the best decisions for oneself."},"intents":{"segments":[{"text":"Who am I talking Yes. to?","start_word":77,"end_word":82,"intents":[{"intent":"Confirm identity","confidence_score":0.29938874},{"intent":"Confirm identity","confidence_score":0.39308998},{"intent":"Confirm identity","confidence_score":0.55102956}]},{"text":"Now I also just need to confirm that I am speaking with the right person just for security purposes. 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No.","start_word":2154,"end_word":2177,"intents":[{"intent":"Ask about estate planning","confidence_score":0.3028114}]},{"text":"So kind of now do you know someone local that you could speak to, or would you like us to send you some information on a firm that we work closely with with some prices so you have it if you do wanna look at potentially getting it done at some point?","start_word":2197,"end_word":2248,"intents":[{"intent":"Send information","confidence_score":0.022169406}]},{"text":"No obligation, obviously, but that way, you have some information in regards to, like, a will. There's also some pricing, and then you guys can obviously have a discussion whenever you're at the moment. If you wanna speak to them, there's all their contact details or everything. Or if you don't decide to, well, at least you have the information and a comparison for pricing for you as well. That sounds great.","start_word":2362,"end_word":2433,"intents":[{"intent":"Propose discussion","confidence_score":0.000042262596}]},{"text":"So do you remember receiving a post with some beneficiary forms to complete?","start_word":2476,"end_word":2488,"intents":[{"intent":"Complete forms","confidence_score":0.013786424}]},{"text":"Do you remember I did receiving send it through. that?","start_word":2488,"end_word":2497,"intents":[{"intent":"Confirm receipt of form","confidence_score":0.0016970915}]},{"text":"No. I can't see it here. But what I will do, I will go triple check with the team, but having a look at the system. Sometimes Oh.","start_word":2544,"end_word":2571,"intents":[{"intent":"Check system","confidence_score":0.18244159}]},{"text":"Now do you have access to a printer or not really?","start_word":2584,"end_word":2594,"intents":[{"intent":"Print form","confidence_score":0.14370094},{"intent":"Obtain access to printer","confidence_score":0.025404911}]},{"text":"I actually they asked me to register. Like, I I have to how do you call this wrong? Like, I have to go to Justice of Peace just to get it signed and send it back to you guys.","start_word":2728,"end_word":2766,"intents":[{"intent":"Express confusion about caller's name","confidence_score":0.00024686495}]},{"text":"You can actually get it witnessed by anybody. So as long as it's not the person you nominate. So say, for example, you wanna give it to Steven. Now he can't be a witness and you can't be a witness, but let's say you have two neighbors, they can witness it.","start_word":2767,"end_word":2817,"intents":[{"intent":"Request witness confirmation","confidence_score":0.0027198186}]},{"text":"Now, otherwise, during the annual reviews, what is usually a good thing to do is just to kind of check-in to see what your goals were last year when we spoke to you, if it's changed or how you went with it, and potentially setting some goals for the next couple of years.","start_word":3096,"end_word":3148,"intents":[{"intent":"Check-in","confidence_score":0.16747218},{"intent":"Set goals","confidence_score":0.6569935}]},{"text":"So is it just to kinda focus on getting through everything, or is there anything specific that you guys are working towards?","start_word":3209,"end_word":3230,"intents":[{"intent":"Focus on completion","confidence_score":0.31627494}]},{"text":"Well, I'm always working towards hard on focusing on to get my daughter finished at school. Yep.","start_word":3230,"end_word":3246,"intents":[{"intent":"Work towards completion","confidence_score":0.10704603},{"intent":"Get daughter through school","confidence_score":0.013343065}]},{"text":"Well, I I really like to meet her his family in England because Yeah.","start_word":3369,"end_word":3382,"intents":[{"intent":"Plan trip to england","confidence_score":0.013819424}]},{"text":"We went to Philippines already. And yeah. Philippines are less cost to get to see my family from Australia. A bit a bit closer.","start_word":3423,"end_word":3446,"intents":[{"intent":"Share travel plans","confidence_score":0.0009695457}]},{"text":"And when it comes to your superannuation, I have here that, ideally, you would like to retire or stop working at 63. Is that still kind of the plan, do you think, or when do you think you would like to retire or start drawing an income from your superannuation? Oh, look.","start_word":3497,"end_word":3548,"intents":[{"intent":"Plan retirement/retirement","confidence_score":0.0011424772}]},{"text":"I I really like to keep going until I Mhmm. keep going. Yep.","start_word":3550,"end_word":3562,"intents":[{"intent":"Ensure daily activities","confidence_score":0.0004905792}]},{"text":"And, ideally so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,000 per week. Now do you still think that's, would cover living costs and retirement, or do you think you'd need a little bit more per week?","start_word":3638,"end_word":3688,"intents":[{"intent":"Discuss financial goals","confidence_score":0.011647496},{"intent":"Determine future plans","confidence_score":5.1460535e-7}]},{"text":"And, ideally so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,000 per week. Now do you still think that's, would cover living costs and retirement, or do you think you'd need a little bit more per week? Might be a little bit hard to tell, but do you think roughly? My god.","start_word":3638,"end_word":3703,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.039008312},{"intent":"Discuss retirement savings","confidence_score":0.00855877}]},{"text":"My my $9.50 my $9.50 a week on these days now is like, boom. Bye. See you later. Yeah. So maybe more like 1,500 potentially will give you a little bit more of a buffer. I reckon I reckon Yeah.","start_word":3704,"end_word":3743,"intents":[{"intent":"Assist budgeting","confidence_score":0.000034069228}]},{"text":"So what I have done is I have to send you an email with some documents to go through, and it just makes it a little bit easier for you if you can actually see them at the same time. But if you could go into your emails for me, you should have Okay.","start_word":3928,"end_word":3981,"intents":[{"intent":"Request documents","confidence_score":0.072476536}]},{"text":"So when you open the document, what is the first document that you can see? What's it called?","start_word":4254,"end_word":4271,"intents":[{"intent":"Clarify documents","confidence_score":0.0032218597}]},{"text":"So when you open the document, what is the first document that you can see? What's it called? Is that super insurance summary?","start_word":4254,"end_word":4276,"intents":[{"intent":"Provide information","confidence_score":0.047558825}]},{"text":"This is the one where we start. So if you have a look at this one, you can see that you have your super with hub 24, and you do have about a $116,700 in there. Now underneath it, you should see your one path insurance, and you have life and total permanent disability insurance if something were to happen.","start_word":4291,"end_word":4350,"intents":[{"intent":"Explain situation","confidence_score":0.003093631}]},{"text":"Now are you still happy with that level of cover that you have with one pass with your insurances, or do you wanna make any changes? Or what are your thoughts on it? No.","start_word":4396,"end_word":4429,"intents":[{"intent":"Clarify coverage level","confidence_score":0.031455398}]},{"text":"Now this one here sometimes looks a little bit messy. But, basically, what it does is it gives us a breakdown of your portfolio and what has happened to the portfolio in the last twelve months.","start_word":4545,"end_word":4580,"intents":[{"intent":"Inquire about portfolio structure","confidence_score":0.000004241418}]},{"text":"Now this one here sometimes looks a little bit messy. But, basically, what it does is it gives us a breakdown of your portfolio and what has happened to the portfolio in the last twelve months. Now, obviously, the last twelve months, I'm sure you would have seen on the news or heard that, obviously, it's been a little bit turbulent in the market because we had everything going on in The US first.","start_word":4545,"end_word":4618,"intents":[{"intent":"Describe market situation","confidence_score":0.0008917848}]},{"text":"And that's also because it is very diversified. So at the moment, in just a twelve month period now this is all after fees as well. So after all fees have come out of your account, the portfolio has still gone up by about 6.29%, which we're pretty happy with given what has happened in the market.","start_word":4688,"end_word":4744,"intents":[{"intent":"Discuss portfolio dynamics","confidence_score":0.001739661}]},{"text":"And if we foresee one investment underperforming a little bit to what we were expecting or not doing as well as we would like, we also want to look at potentially changing it for another better option for you.","start_word":4974,"end_word":5012,"intents":[{"intent":"Change investment","confidence_score":0.045578122}]},{"text":"So in getting investing in the Australian market, because if we take one Australian investment out, we wanna make sure we still keep some Australian exposure through you.","start_word":5177,"end_word":5204,"intents":[{"intent":"Keep australian exposure","confidence_score":0.32164598}]},{"text":"So we wanna make sure it's very diversified.","start_word":5205,"end_word":5212,"intents":[{"intent":"Diversify investment","confidence_score":0.09659767}]},{"text":"So it is a bit cheaper, which we'll obviously see their fees being reduced a little bit, which is great because that means they're gonna have more money in super.","start_word":5363,"end_word":5392,"intents":[{"intent":"Explain pricing","confidence_score":0.0016781061}]},{"text":"So if you are happy for us to do that, we would like to look at changing the bend along or this a 200 option if you are okay with that. Yeah.","start_word":5401,"end_word":5432,"intents":[{"intent":"Change bend along","confidence_score":0.038047146}]},{"text":"It is called a record of advice. It is just so that you have in writing as well that they change. So just from Benelon to 8200. Like I said, you don't need to change it or you don't need to sign it or anything, but it's just there for your reference so that you know. Does Okay.","start_word":5473,"end_word":5530,"intents":[{"intent":"Email advice","confidence_score":0.20651804}]},{"text":"You actually have you actually have quite quite a bit in this. We don't want everything, obviously, because you don't want everything in in one section, but you do have quite a bit still in The US market, which is great.","start_word":5789,"end_word":5829,"intents":[{"intent":"Evaluate market trends","confidence_score":0.0018074535}]},{"text":"So in a high growth portfolio, we ideally like to see about eight years till retirement, making sure you have enough time for these ups and downs. What you do have at the moment, if you are still kind of comfortable with the way things are going and tracking for you and your current high growth portfolio, Evangeline.","start_word":6187,"end_word":6244,"intents":[{"intent":"Optimize portfolio growth","confidence_score":0.035796046}]},{"text":"But, otherwise, by signing this document, it allows us to manage and service your account and your investments and everything for you in the meantime. Alright.","start_word":6864,"end_word":6889,"intents":[{"intent":"Manage account","confidence_score":0.10857815}]},{"text":"If it take you to next, can you see the is this a tax file number option to provide tax fund number? Tax file number.","start_word":6933,"end_word":6957,"intents":[{"intent":"Provide tax file number","confidence_score":0.32127675},{"intent":"Provide tax fund number","confidence_score":0.09224428}]},{"text":"I will get my team, so I will get my team to email, both of you. So I will get my team. It will be my colleague, Whitlam, who you will get the email from, And I will let him know to send email you those beneficiary forms as soon as possible so that you have them so we can get that sorted, and then send another one for for both of you with the lawyer information.","start_word":7037,"end_word":7113,"intents":[{"intent":"Provide beneficiary form","confidence_score":0.09618363},{"intent":"Send beneficiary forms","confidence_score":0.6733788},{"intent":"Send emails","confidence_score":0.025817057},{"intent":"Send documents","confidence_score":0.0035951203}]},{"text":"So, again, you have pricing and everything. If you guys do decide, that is something you wanna have a look at. Yeah.","start_word":7114,"end_word":7135,"intents":[{"intent":"Provide pricing","confidence_score":0.16472656}]},{"text":"That's what we're here to do. And, you know, if at any point in time you need anything, don't hesitate to give us a call or or send me an email. You can do it whenever you want to. It doesn't have to be under review time. So if there's anything you need, just don't hesitate to give us a call. Okay? Okay.","start_word":7154,"end_word":7216,"intents":[{"intent":"Receive calls","confidence_score":0.0046550697}]}]},"sentiments":{"segments":[{"text":"Good afternoon.","start_word":0,"end_word":1,"sentiment":"positive","sentiment_score":0.38961708545684814},{"text":"This is Veronica from Financial. How are you?","start_word":2,"end_word":9,"sentiment":"neutral","sentiment_score":0.28098025918006897},{"text":"I'm good. Thank you. That's good. I had to book in to go over your annual review.","start_word":10,"end_word":26,"sentiment":"positive","sentiment_score":0.5694071650505066},{"text":"Is now still a good time for you? Yes. Thank you for calling Yes. me. No. That's okay. 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. Yes. Who am I talking Yes. to? This is Oakview Financial. Yes? Correct. And it's Veronica. Okay. Yes. Yes. Now I also just need to confirm that I am speaking with the right person just for security purposes. So could I just get you to confirm your full name, date of birth, and address for me, please? 03/01/1972. Evangeline Apollona. 10 Coral Way, Greenfield, WA 62 Perfect.","start_word":27,"end_word":142,"sentiment":"neutral","sentiment_score":0.05796521157026291},{"text":"That's exactly what I have here.","start_word":143,"end_word":148,"sentiment":"positive","sentiment_score":0.503610372543335},{"text":"How's your day been? Been ten. busy? Yes. Always. Yeah. Well, I will try not to keep you for too long. But before I do jump into the under review, I do like to start by asking if there is anything specific that you were hoping to get out of their review today or any particular questions or just a kind of a bit of an update and see what kind of everything is up to? Yeah. We're just find out where where we're up to at the moment. Yeah. Okay.","start_word":149,"end_word":239,"sentiment":"neutral","sentiment_score":0.035236332565546036},{"text":"Beautiful.","start_word":240,"end_word":240,"sentiment":"positive","sentiment_score":0.41488778591156006},{"text":"Now what I will do first is just go through just a bit of an updated fact find with you just to see if there is anything major that has changed in your life. If we need to make any changes to your advice. So just kind of bear with me as I go through this information that I have here. Now when it comes to your personal information, I have you down here that you are in a de facto relationship and that you have a financial dependent at home. Is that still correct? Correct. Yep. Perfect. And next up, Ken, I have see the nominator. That's also correct? Correct.","start_word":241,"end_word":351,"sentiment":"neutral","sentiment_score":0.06897713989019394},{"text":"Perfect.","start_word":352,"end_word":352,"sentiment":"positive","sentiment_score":0.3418109714984894},{"text":"Now when it comes to your occupation, has any of that changed, or are you still at the the same place doing, like, the factory worker? That's correct. Yep.","start_word":353,"end_word":381,"sentiment":"neutral","sentiment_score":0.037066832184791565},{"text":"And you're still enjoying it? Yes.","start_word":382,"end_word":387,"sentiment":"positive","sentiment_score":0.43618127703666687},{"text":"I'm still Yeah. there.","start_word":388,"end_word":391,"sentiment":"neutral","sentiment_score":0.28046369552612305},{"text":"Perfect.","start_word":392,"end_word":392,"sentiment":"positive","sentiment_score":0.5379948616027832},{"text":"Yeah. And what is your income at the moment? Do you know? At the moment, it's not very high, though. Let's have Mhmm. a look my pay slip. The last pay slip I have was, I think, only $9.50 a week. How much? Sorry. 900 and I'm sorry. You there? yes. Yep. Sorry. I lost you there. How much did you say per week? I just have a look. I just opened my payslip here. Bear with Yep. me, please. Sure. Oh my god. Wait. I can't find it.","start_word":393,"end_word":481,"sentiment":"neutral","sentiment_score":-0.03602764382958412},{"text":"Too many junk mail.","start_word":482,"end_word":485,"sentiment":"negative","sentiment_score":-0.47340402007102966},{"text":"That's okay. Too many junk mail at the moment. Oh my goodness. That's the only thing with the email. Oh, no. Yeah. That's it. It depends on my overtime. Sometime, it ranges from over 1,000 a week to Mhmm. gross around $9.54, including my salary sacrifice for my super. Okay. Yeah. Around that. Around around, over 1,000, the lowest around $9.59 54. Okay. So 9 and does it have how much do you get paid into your bank account, like, after tax? After tax, yes. It's $9.54.64 depending on overtime. If I I if I work including weekends, it rains Mhmm. to over 1,000. It depends on my Okay. shift. Okay. No. That makes sense. So between that $9.55 and about 1,000 depending on over time, and that was after tax. Correct? Did you say? Yeah. That is after Yes. tax and after my salary sacrifice for my super. Yes. Perfect. And how much are you salary sacrificing regularly again? Is it staying the same? It's still the same. $50 a week. Yep.","start_word":486,"end_word":658,"sentiment":"neutral","sentiment_score":-0.02945762500166893},{"text":"Perfect.","start_word":659,"end_word":659,"sentiment":"positive","sentiment_score":0.37655866146087646},{"text":"And your employer, they still pay you that standard 12% contribution. There's no, like, enterprise bargain agreement or anything like that in place just like the standard rule still. I think our company are around 11%. They have they used to be. So they have changed the legislation. So the minimum that an employer has to do now is 12 percent. It used to be 11, and then it went to 11.5. And now with the current legislation, they have to do 12% Oh, minimum. you let me know because I haven't checked in with my company how much they're paying on super. Yeah. You let me Have know a if look. they pay me like that. Yeah. So because they because with the legislation change, they they legally have to. So they would probably just start doing that automatically, but I can have a bit of a look in the account for you afterwards just to make sure that kind of all matches up through the income that you told me. But but, yeah, it is the minimum is 12% now, but I can triple check that in the back end for you.","start_word":660,"end_word":853,"sentiment":"neutral","sentiment_score":0.046908297143953365},{"text":"That yeah. That'd be lovely.","start_word":854,"end_word":858,"sentiment":"positive","sentiment_score":0.5830338597297668},{"text":"My Yeah. last pay was, as I said to you, is $9.05 4.64. If you can check me how much percentage they pay me on my sofa on that one. Yeah. I can actually see if I can go into your account now and have a bit of a look if it changes. Which Just is bear that with me. being done on the twenty two zero six twenty six to twenty eight zero six twenty six.","start_word":859,"end_word":935,"sentiment":"neutral","sentiment_score":0.05396377295255661},{"text":"Perfect.","start_word":936,"end_word":936,"sentiment":"positive","sentiment_score":0.4382032752037048},{"text":"Let me have And a look into your account. that would be paid on date 01/07/2026 Okay. Let me have on a my look bank. here for you. I don't really say that on our payslip one day how much percentage that pay on Super. Yeah. Usually, they don't. Some do, but usually, it's just like the the minimum legal is 12. So I can see here that on the July 2, they paid you had your $50 salary sacrifice, I can see, And then they also put in a $124.32. Now let me just check the when the last one was just so that I can check if that's pretty consistent. And yeah. So you must have done maybe a bit of overtime because then I can see on the June 30, that was one for $200 and $449. And then they must do it a little bit more sporadically because then I can see that after June, they did it three weeks earlier. That was on the May 18, and that was 630 and then 250. That must have been the salary sacrifice. So it seems like it comes in a little bit different times. Because in April, you had a 200, so they did a monthly for you there, and then 456. So it seems like it varies a bit. 472. Yeah. But I believe on July 1, I believe that they should pay the same time as I get paid. Is that correct? Correct. That is correct. Yes. So before that, they only had to do it once a quarter at a minimum, which is probably why sometimes they did it a little bit random times. But, yes, you are correct. So now you should see it. And do you get paid weekly? That's correct. Yeah. So then we should see that coming in now at weekly, which is probably why the the amount last was weak. So, yes, that would also be good because then you have the money dropping in sooner, which means that it will be invested and compounding quicker for you as well.","start_word":937,"end_word":1287,"sentiment":"neutral","sentiment_score":0.05211138838843742},{"text":"So that's good.","start_word":1288,"end_word":1290,"sentiment":"positive","sentiment_score":0.5405980348587036},{"text":"So my question is, are you able to check-in if they're paying me 11% or 12% on the salary that I have given to you? Yes. So if I use the 124, so just the most 8<unk>, and I use your income of $9.05 4, it's about 12.9. So with overtime and stuff like that, it looks like it's pretty pretty much on that 12%, which is good. So not 11%. So you'll be that standard 12%, which is good. Alright. Hey.","start_word":1291,"end_word":1374,"sentiment":"neutral","sentiment_score":0.09537529200315475},{"text":"Very good news. Yeah. That's It great. pays my hard work.","start_word":1374,"end_word":1385,"sentiment":"positive","sentiment_score":0.5032004117965698},{"text":"Oh my god. We Yes. worked so hard so hard I can in imagine. that. In my company, we work always always so hard. Yeah. Yes. Well, Yeah.","start_word":1385,"end_word":1413,"sentiment":"neutral","sentiment_score":0.13599105179309845},{"text":"at least now you're getting a little bit more for it, so that's good.","start_word":1413,"end_word":1427,"sentiment":"positive","sentiment_score":0.3973028063774109},{"text":"Yeah.","start_word":1427,"end_word":1428,"sentiment":"neutral","sentiment_score":0.2852170467376709},{"text":"So Very then good. when you Very do good. retire, you should have a little bit more, so that's perfect.","start_word":1428,"end_word":1448,"sentiment":"positive","sentiment_score":0.4361717700958252},{"text":"And, otherwise, when it comes to your assets, do you own a motor vehicle or or renting, or what kind of your situation like when you with your assets and stuff? Okay. Mhmm. I went I went really a bit treating myself. So I I I bought a car, but I'm paying Mhmm. Oh, it. yeah. Yep. I'm paying it I think it's 133 a week. Perfect. And do you So know how much the total loan is? my total loan is around 30,000, Mhmm. but a bit less now. Maybe maybe around I don't know how much percentage I have paid, but it's nearly a year. So I would say it might be 29 now. I'm Mhmm. not sure. Yeah. Yeah. Around that. And do you know how much the car is valued at? Like, if you were to, let's say, sell it tomorrow, how much do you think it'll be worth, or how much do you buy it for?","start_word":1447,"end_word":1607,"sentiment":"neutral","sentiment_score":0.01415813621133566},{"text":"No. Our cars on this base is crazy. I don't know how much value they dropped. No. They dropped so fast.","start_word":1608,"end_word":1628,"sentiment":"negative","sentiment_score":-0.43330711126327515},{"text":"You you got you you'd be surprised. Yes. I would I would say between $17,500 to 24. Okay. Perfect. So that's that. Yeah. Perfect. Any other assets? No. No. Perfect. And any liabilities, like personal loans or credit card or ZipPay? I have a sick I Mhmm. have a sick pay. I think I got around I owe around 1,000 on that one. Okay. Perfect. Anything else? I got mortgage. I tell you. My mortgage is arm and my leg. Yeah. Actually, now I don't how much is on the mortgage? Do you know? Oh my god. You'll be Roughly? well, roughly, our mortgage is on the around $2.03, $404,100 Mhmm. 50. About $4.50. Perfect. And how much do you think the property is worth if you were to sell it? Oh, that's a good question. With my thinking, not only I'm not a Mhmm. real estate expert, Mhmm. but on value on this day, it's maybe around $9.50.","start_word":1629,"end_word":1787,"sentiment":"neutral","sentiment_score":-0.0103495745281191},{"text":"Oh, that's nice.","start_word":1788,"end_word":1790,"sentiment":"positive","sentiment_score":0.6402108669281006},{"text":"Oh, I don't know. Around that, it's still you still have more in the house than you are, which is good. I don't know. But by the time we pay, I don't know. We're in our age with our age, Hopefully I don't not. know how we gonna get through it, but we we're getting Yeah. through every day. That's We for don't it. think about it. That's all. Yeah. Just take it especially with all the prices and everything nowadays too. It's like, take it as it comes. And if you're you're working hard, which you are, and, you know, putting extra to see for and doing everything to try to, you know, make for time and as comfortable as possible, and and that's really good. Yeah. Yeah. Yeah. Everyone has mortgage, so we just don't Yes. think about it. Otherwise, Exactly. we we all go gray hair. Yeah. And at least you're paying your own mortgage. So, you know, whereas Oh, if that's you right. rent renting it to someone else, at least you're paying your own. Yeah. That's right. Now when it comes to health and lifestyle, are you a smoker or a nonsmoker? I'm not a smoker. Nonsmoker. Perfect. And have you had any changes to your health in the last twelve months? Any significant injuries or illnesses or anything? Not really. Just pain No. and eggs after work. Yeah. Just general aches and pikes, or is there anything more or is this, like, general just that comes? Just pain pain because of Yeah. the repetitive the, you know, the repetitive movement of your body. You know? Yes. Yes. That's all. Yeah. Okay. Okay. Perfect. Yeah. Now do you guys still have the investment property as well? I we do. I still Yep. have sold his investment property to renovate Mhmm. our house, and Okay. thanks god it's finished. They renovate Okay. our house, and I think that's about it. Okay. So do you still have that one investment property, or did you guys sell it to do some renovations, did you say? Yeah. He did sell it to the Okay. the renovation. Yes. Yes. Okay.","start_word":1791,"end_word":2150,"sentiment":"neutral","sentiment_score":0.048399498065312706},{"text":"Perfect. That's good.","start_word":2151,"end_word":2153,"sentiment":"positive","sentiment_score":0.6490274667739868},{"text":"Now when it comes to estate planning, do you have a will in place or a power of attorney or anything like that? No. Actually, we don't. No. Yeah. We No. should That's think okay. about that. We don't at the moment. Yeah. So kind of now do you know someone local that you could speak to, or would you like us to send you some information on a firm that we work closely with with some prices so you have it if you do wanna look at potentially getting it done at some point? Actually, I don't wanna say no and but I would like to say yes. But I also want to get my partner to to be involved with that because Yep. I just Yes. don't wanna do it on my own. So No. because Steven is my partner is in Oakview Financial as well. He Yes. brought me to Oakview. That's why I end Yeah. up in Oakview. So Yeah. I think it's it's also good if you could email Steven towards Yeah. the Yeah. So what I can do yeah. is I can just send I'll get my team to just email both of you, and it will just have the lawyer information. No obligation, obviously, but that way, you have some information in regards to, like, a will. There's also some pricing, and then you guys can obviously have a discussion whenever you're at the moment. If you wanna speak to them, there's all their contact details or everything. Or if you don't decide to, well, at least you have the information and a comparison for pricing for you as well.","start_word":2154,"end_word":2430,"sentiment":"neutral","sentiment_score":0.019408300518989563},{"text":"That sounds great.","start_word":2431,"end_word":2433,"sentiment":"positive","sentiment_score":0.5783265829086304},{"text":"Yeah.","start_word":2434,"end_word":2434,"sentiment":"neutral","sentiment_score":0.2924599051475525},{"text":"Perfect.","start_word":2435,"end_word":2435,"sentiment":"positive","sentiment_score":0.37252309918403625},{"text":"Yeah. Now with estate planning as well, I can see here that with your insurance and in your hub 24 for your super account, we don't currently have a nomination on file if something were to happen to you. So do you remember receiving a post with some beneficiary forms to complete? Do you remember I did receiving send it through. that? I did send it through, actually. Do you do you remember when? Roughly? Oh, since since I joined, they send me I think after I settled with AltView, they Mhmm. send me this beneficiary Mhmm. document, and then I send it back. It's haven't been received? No. I can't see it here. But what I will do, I will go triple check with the team, but having a look at the system. Sometimes Oh. Australia post often it it gets here, especially obviously from from WA. Now do you have access to a printer or not really? I don't have access on a Okay. printed phone. So what I can do is I will get the team to triple check if it's in the mail somewhere. But if you did it a little while ago, we should have got it by now. But I will triple check for you. And if we don't have it, just so you don't have to complete it again, what I will do is I will get the team to email you the forms.","start_word":2436,"end_word":2676,"sentiment":"neutral","sentiment_score":0.026082806474687647},{"text":"That way you have it in your inbox.","start_word":2677,"end_word":2684,"sentiment":"positive","sentiment_score":0.3405593931674957},{"text":"You can just print it, complete it, and email it back, and then we know for sure that it comes back to us and not, like, lost in the post or something.","start_word":2685,"end_word":2716,"sentiment":"neutral","sentiment_score":0.15927031636238098},{"text":"Oh, that will be great.","start_word":2717,"end_word":2721,"sentiment":"positive","sentiment_score":0.4858217537403106},{"text":"It's been Yeah. a long time. I actually they asked me to register. Like, I I have to how do you call this wrong? Like, I have to go to Justice of Peace just to get it signed and send it back to you guys. You can actually get it witnessed by anybody. So as long as it's not the person you nominate. So say, for example, you wanna give it to Steven. Now he can't be a witness and you can't be a witness, but let's say you have two neighbors, they can witness it. It doesn't have to be a just as a piece. It just has to be someone to witness when you you do it, and it just can't be the person you are actually nominating. But, otherwise, it can be a neighbor or a friend or family member.","start_word":2722,"end_word":2864,"sentiment":"neutral","sentiment_score":0.025818590498106045},{"text":"That's perfectly fine. Just anybody. They just have to do it together. The two people at the same time.","start_word":2865,"end_word":2883,"sentiment":"positive","sentiment_score":0.5042698383331299},{"text":"Yeah. But that makes Okay.","start_word":2884,"end_word":2888,"sentiment":"neutral","sentiment_score":0.2875329256057739},{"text":"it easier.","start_word":2889,"end_word":2890,"sentiment":"positive","sentiment_score":0.3527678847312927},{"text":"You don't have to go to justice of peace. It can be anybody just to witness. Yeah. Well, that's the reason why I I went to Justice of Peace to get it witnessed, and I send it back. And now you're telling me there is no nomination. Oh, That's why yeah. I'm I Yes. said, oh, what's going on there? Yes.","start_word":2891,"end_word":2951,"sentiment":"neutral","sentiment_score":-0.01236270647495985},{"text":"That's that's a little bit frustrating for you.","start_word":2952,"end_word":2959,"sentiment":"negative","sentiment_score":-0.5056971311569214},{"text":"But yeah. No. I can't see anything here, but like I said, I'll double check with the team. And if we we don't have it, which it doesn't look like, but I will double check, I'll get them to email it to you. So that way, you don't have to like, it doesn't get lost again or something like that, and it would directly come back through us. And, yes, it doesn't have to be just as a piece. It can be anybody because that's a bit hard sometimes to find the time to actually go and see them. So that can be Yes, anyone. please. It can Thank be you. any any family members or anything. Just not the person you wanna give it to. Yes, please.","start_word":2960,"end_word":3087,"sentiment":"neutral","sentiment_score":0.05593127012252808},{"text":"Thank Yeah. you very much.","start_word":3088,"end_word":3092,"sentiment":"positive","sentiment_score":0.40588241815567017},{"text":"No. That's okay. Now, otherwise, during the annual reviews, what is usually a good thing to do is just to kind of check-in to see what your goals were last year when we spoke to you, if it's changed or how you went with it, and potentially setting some goals for the next couple of years. So when you had your interview last, you spoke to my colleague, Dana.","start_word":3093,"end_word":3161,"sentiment":"neutral","sentiment_score":0.26583898067474365},{"text":"And I can see here that your main focus at this time was to buy a new car, which it did, so that's good.","start_word":3162,"end_word":3185,"sentiment":"positive","sentiment_score":0.512866199016571},{"text":"Is there anything that you you or both of you are working towards financially or nonfinancially in the next couple of years? So is it just to kinda focus on getting through everything, or is there anything specific that you guys are working towards? Well, I'm always working towards hard on focusing on to get my daughter finished at school. Yep.","start_word":3186,"end_word":3246,"sentiment":"neutral","sentiment_score":0.13136682964739252},{"text":"And with Steve's support, we're Yeah. we're in it together. Yeah. That's our really main goal is just Yep. to get her through schooling. And Yep. then after that, we can take it easy.","start_word":3247,"end_word":3280,"sentiment":"positive","sentiment_score":0.4189901649951935},{"text":"Yeah. And how Yeah. old But is she now? at the moment, she's only 13. She's turning 14. Yeah. Yeah. Yeah.","start_word":3281,"end_word":3301,"sentiment":"neutral","sentiment_score":0.06346502900123596},{"text":"Beautiful. Perfect.","start_word":3302,"end_word":3303,"sentiment":"positive","sentiment_score":0.6939318776130676},{"text":"And then after obviously, there's still still a little bit to go, and then after that, maybe look at something else. But, yeah, obviously, that's very important when it comes to school.","start_word":3304,"end_word":3335,"sentiment":"neutral","sentiment_score":0.21088062226772308},{"text":"So that that's a good thing that you guys are working towards.","start_word":3336,"end_word":3347,"sentiment":"positive","sentiment_score":0.6129672527313232},{"text":"Yeah. That's right. I'll And be hopefully, when she finishes school, we can go for holiday. yeah. Where would you go? Well, I I really like to meet her his family in England because Yeah. I haven't been to England Yeah. that way, and it's cost a lot of money to get there. So that's one Yes. of our in our bucket list. Yeah. Oh, beautiful. Yeah. Yeah. That's Because he have met my family. We went to Philippines already. And yeah. Philippines are less cost to get to see my family from Australia. A bit a bit closer. Yeah. And cheaper. Oh, yeah. But Yes. going to England, we have to really save money to go there. Yes. Yes. Yes. Yep. Yep. No. So Very expensive. it's No. in our Well, that's bucket beautiful. list where we're Yeah. still we're still going. Yep. No. That is Yeah. good. And when it comes to your superannuation, I have here that, ideally, you would like to retire or stop working at 63. Is that still kind of the plan, do you think, or when do you think you would like to retire or start drawing an income from your superannuation? Oh, look.","start_word":3348,"end_word":3548,"sentiment":"neutral","sentiment_score":0.07749249786138535},{"text":"I I really like to keep going until I Mhmm. keep going. Yep.","start_word":3549,"end_word":3561,"sentiment":"positive","sentiment_score":0.45482930541038513},{"text":"Whenever I you know, if my body can keep going until I'm Mhmm. 70, I'm going. Yep. Yep.","start_word":3562,"end_word":3579,"sentiment":"neutral","sentiment_score":0.27091655135154724},{"text":"Perfect. So it just depends, but, no, that's good.","start_word":3580,"end_word":3588,"sentiment":"positive","sentiment_score":0.3964327573776245},{"text":"You know? Yeah. Most a lot Yeah. of people are the same.","start_word":3589,"end_word":3600,"sentiment":"neutral","sentiment_score":0.22604292631149292},{"text":"Just wanna have something to do and mentally stimulating and everything like that as well.","start_word":3601,"end_word":3615,"sentiment":"positive","sentiment_score":0.4436446726322174},{"text":"Yeah. Well, the cost of living on these days now, I don't Yes. know how can you stop. Yes. Exactly. Yeah. Mhmm. And, ideally so when you do decide to retire, I have here that, ideally, you would like to draw a weekly income of about $1,000 per week. Now do you still think that's, would cover living costs and retirement, or do you think you'd need a little bit more per week? Might be a little bit hard to tell, but do you think roughly? My god. My my $9.50 my $9.50 a week on these days now is like, boom. Bye. See you later. Yeah. So maybe more like 1,500 potentially will give you a little bit more of a buffer. I reckon I reckon Yeah. because Yeah. right now I said, oh my god. And and plus on these days now, it's we're not book bill. Yes. We we just I don't know. They changed. Government has changed. Only Yes. causation card can go book bill, but, like, Yeah. people like us, we're not book bill, so Yeah. that makes it add up pressure on us. Yes. And Otherwise, and that's just the yeah. That's the thing. And that's just kind of a good goal as well. So, obviously, we're trying to get you as much as we can before retirement. But even if we're kind of aiming for about 15 yes. 100, at least it gives you a little bit more of a buffer so you don't have to, you know, budget as hard than around a thousand. Yeah. That that is Yeah. okay. That is Yeah. okay.","start_word":3616,"end_word":3887,"sentiment":"neutral","sentiment_score":0.05466562882065773},{"text":"Better than nothing.","start_word":3888,"end_word":3890,"sentiment":"positive","sentiment_score":0.3392742872238159},{"text":"But I think by the time I retired, might be 1,500. Yeah. Yeah. Exactly. Who knows? Yeah. Okay.","start_word":3891,"end_word":3908,"sentiment":"neutral","sentiment_score":0.04939858242869377},{"text":"Perfect.","start_word":3909,"end_word":3909,"sentiment":"positive","sentiment_score":0.5808734893798828},{"text":"Now do you have access to your emails at the moment? Yes. I Oh, do. not really. Okay. So what I have done is I have to send you an email with some documents to go through, and it just makes it a little bit easier for you if you can actually see them at the same time. But if you could go into your emails for me, you should have Okay. a email there. And it could sometimes end up in spam folder as well because we have changed to a new software. Now what what am I looking at? Right now, So I'm there should on my be yeah. It should be an email where it says, oh, if you financial request signature, signature request or something like that. I don't have it right now, actually. Nothing? And nothing in spam either? I'll have a look on my on my how do you call this one? Oh, signature. I just Yes. have to run That's the one. signature. Oh, why it's not coming? Now, usually, it will ask you to click on the link first. Yeah. Now it I won't get I got it. Okay. Because it won't get you to sign right away. It will allow you to look at everything first. Make sure you are happy before it'll ask you to sign anything. it says here, hi, Evangeline. We hope you have been well. Please find out that's important document following annual review. Yep. And here's here a signature. Yes. Can you click on that? Is there, like, a link? Yeah. Yes. Okay. Try to click on that one for me. Okay. Okay. Yeah. I have here superannuation member Yes. number, Yes. and I Okay. have the insurance policy. Yes.","start_word":3910,"end_word":4203,"sentiment":"neutral","sentiment_score":0.006520813796669245},{"text":"Beautiful.","start_word":4204,"end_word":4204,"sentiment":"positive","sentiment_score":0.4699161648750305},{"text":"Now can you click on the which one is the first document that you can see? And we'll just do it in the order that you can see to make it easier. What's the first thing you can see? Say again? Sorry. I lost you. No. That's okay. So when you open the document, what is the first document that you can see? What's it called? Is that super insurance summary? That is summary of superannuation Yes. and insurance Perfect. as of July 6. Yes. Alright. This is the one where we start. So if you have a look at this one, you can see that you have your super with hub 24, and you do have about a $116,700 in there. Now underneath it, you should see your one path insurance, and you have life and total permanent disability insurance if something were to happen. And Yes. that would pay out 367,500 for both of them. And they are paid from within Hub 24, so you don't pay for anything out of pocket. You do get a 15% tax rebate. The total premium for the both of them is 2,476. Now are you still happy with that level of cover that you have with one pass with your insurances, or do you wanna make any changes? Or what are your thoughts on it? No. That is still good.","start_word":4205,"end_word":4433,"sentiment":"neutral","sentiment_score":0.12106823355089628},{"text":"Still good. Yep. Perfect. Yeah.","start_word":4434,"end_word":4438,"sentiment":"positive","sentiment_score":0.40901556611061096},{"text":"And it will cover majority of the mortgage if something were to happen, And then you have your super balance as well. So it would obviously make a big difference financially to clear out, you know, most of the mortgage if something were to happen. That's right. Yeah. Now what is the next document you can see there, Evangeline? Nothing else. Can you click next? Oh, yeah. The Nexo.","start_word":4439,"end_word":4507,"sentiment":"neutral","sentiment_score":0.14198200404644012},{"text":"Thank you for that.","start_word":4508,"end_word":4511,"sentiment":"positive","sentiment_score":0.4523071348667145},{"text":"Yeah. No. That's okay. I was like, I assure you more. Yeah. Thank you for that. No. That's Yes. At the moment, I have this first four months okay. with IRR. Yes. Yes. Now this one here sometimes looks a little bit messy. But, basically, what it does is it gives us a breakdown of your portfolio and what has happened to the portfolio in the last twelve months. Now, obviously, the last twelve months, I'm sure you would have seen on the news or heard that, obviously, it's been a little bit turbulent in the market because we had everything going on in The US first. So, obviously, with Trump and tariffs and everything, you see a bit of fluctuation in the market. But, obviously, more recently, we had, you know, the war going on as well. So that has seen a bit of fluctuation to the market. So it's been a little bit turbulent.","start_word":4512,"end_word":4667,"sentiment":"neutral","sentiment_score":-0.05352233639225746},{"text":"But in saying that, though, your portfolio overall has still done pretty good given what has happened in the market. And that's also because it is very diversified.","start_word":4668,"end_word":4695,"sentiment":"positive","sentiment_score":0.4402555823326111},{"text":"So at the moment, in just a twelve month period now this is all after fees as well.","start_word":4696,"end_word":4713,"sentiment":"neutral","sentiment_score":0.19920483231544495},{"text":"So after all fees have come out of your account, the portfolio has still gone up by about 6.29%, which we're pretty happy with given what has happened in the market.","start_word":4714,"end_word":4744,"sentiment":"positive","sentiment_score":0.5922796130180359},{"text":"Does that make sense, Evangeline? Oh, yes. Yes. Because Yeah. I can see my total when I joined when I Yes. joined the what do you call this one, the hub, is the money there is sitting $4.99. Yes. Mhmm. Then maybe over the is that over a year now since I've been with the hub? Let me have a quick look for you. Yes. Yeah. Exactly. Yeah. So 2025 in so in January, and then, obviously, it takes a little bit to get everything set up and and money to be rolled over and everything.","start_word":4745,"end_word":4840,"sentiment":"neutral","sentiment_score":0.07148970663547516},{"text":"So so, yeah, just a little bit over a year, and it's done a pretty pretty good growth since then, again, given the market conditions in the last twelve months. So, yeah, we're we're quite happy with that.","start_word":4841,"end_word":4878,"sentiment":"positive","sentiment_score":0.42437779903411865},{"text":"Yeah. Yeah. Any questions? No. No question. No? It's Perfect.","start_word":4879,"end_word":4888,"sentiment":"neutral","sentiment_score":0.1008412092924118},{"text":"doing good.","start_word":4889,"end_word":4890,"sentiment":"positive","sentiment_score":0.4596637189388275},{"text":"Yeah. Yeah. Now there is one investment that I would like to look at changing for you. Now so with your investments in hub twenty four, obviously, we invest in the long term. So we don't wanna just, like, buy and sell different things. We invest in the long term for your retirement. But at the same time, we want to be proactive that if there are, obviously, market changes and depending on what's happening, we wanna stay on top of everything. And if we foresee one investment underperforming a little bit to what we were expecting or not doing as well as we would like, we also want to look at potentially changing it for another better option for you.","start_word":4891,"end_word":5011,"sentiment":"neutral","sentiment_score":0.03952855401295276},{"text":"So the good thing with hub twenty four is that there's hundreds of different options for us to choose from in making sure that we always have you in the best options possible for your retirement.","start_word":5012,"end_word":5047,"sentiment":"positive","sentiment_score":0.5753166079521179},{"text":"So one of your investments, it's called Benelung Australian Equity that you have in your portfolio at the moment. That one has underperformed a little bit. So the investment committee do a lot of research on the investments to tryna find the best option, and we have found one that we would like to change it to if you are okay with it. So the Benelon that you currently have in your portfolio, it is an Australian investment, so they invest in the Australian market. And they're kind of trying to buy and sell investments pretty quickly to try to outperform the market. And they have been really good, but recently, they've been a little bit slower in those choices. So the investment committee have found a similar option. So in getting investing in the Australian market, because if we take one Australian investment out, we wanna make sure we still keep some Australian exposure through you. So we wanna make sure it's very diversified. So one investment they have found, it's one that's called beta shares a 200. Now, basically, what that is is that it invests in the 200 largest companies in Australia. They're obviously very diversified because it's not just in one company. You're actually invested in 200 companies. So if something were to happen to one company, it's not gonna impact everything because you do have 200 companies in that option. Does that make sense so far, Angeline? Yes. Yes. I'm Yes. with you. Yes.","start_word":5048,"end_word":5296,"sentiment":"neutral","sentiment_score":0.08373920619487762},{"text":"Perfect.","start_word":5297,"end_word":5297,"sentiment":"positive","sentiment_score":0.4124315679073334},{"text":"So you will have all the big companies like their banks and BHP and Woolworths. So very diversified. Now what we have found with this option instead of Benelon is that it is a bit cheaper because instead of doing that kind of buying and selling quickly, it just tracks those 200 largest companies.","start_word":5298,"end_word":5351,"sentiment":"neutral","sentiment_score":0.3081866204738617},{"text":"So it's a little bit more simplified in that way. So it is a bit cheaper, which we'll obviously see their fees being reduced a little bit, which is great because that means they're gonna have more money in super. This also performed a little bit better as well. So if you are happy for us to do that, we would like to look at changing the bend along or this a 200 option if you are okay with that.","start_word":5352,"end_word":5431,"sentiment":"positive","sentiment_score":0.5340599194169044},{"text":"Yeah. Sure thing. Yeah.","start_word":5432,"end_word":5435,"sentiment":"neutral","sentiment_score":0.21656067669391632},{"text":"Within Perfect. yeah. Thank Yeah. you.","start_word":5436,"end_word":5441,"sentiment":"positive","sentiment_score":0.4536387622356415},{"text":"Now what I will do just for your information, you don't have to sign it or anything like that, but I will email you probably in the next couple of days. It is called a record of advice. It is just so that you have in writing as well that they change. So just from Benelon to 8200. Like I said, you don't need to change it or you don't need to sign it or anything, but it's just there for your reference so that you know. Does Okay. that make Thank sense? you. Yeah. Yes.","start_word":5442,"end_word":5537,"sentiment":"neutral","sentiment_score":0.15924902260303497},{"text":"Perfect.","start_word":5538,"end_word":5538,"sentiment":"positive","sentiment_score":0.3475046157836914},{"text":"Now not too many other documents to go, but what is the next one? If you press next for me, Yes. what can you see? Certificate of currency. Yep. So that one here, it basically just breaks down your insurances again, but in a little bit more information. But let's see if that's all paid and up to date, essentially. That's right. Yep. And if you click next for me. Yes. Oh, this is to $20.25 Vanguard and Dexcharge? Well, I don't Yes. know.","start_word":5539,"end_word":5622,"sentiment":"neutral","sentiment_score":0.06673043966293335},{"text":"I don't understand this very well.","start_word":5623,"end_word":5628,"sentiment":"negative","sentiment_score":-0.3336227834224701},{"text":"No. I've never seen something like this before. Only in the news, but I am Okay. not really yes. No. So, basically, what it is is it shows us the different asset classes in the market and how they've moved over time. But for example, it's it's it's a good visual representation of what we are talking about when we are talking about the market because it shows you all the ups and downs of the market. Now Correct. this one here goes all the way back from 1995 through to 2025. And then you have all the different kind of major events that happen in the world, and that you can then see kind of correlate sometimes with those kind of up and down movement. Loan. Now Loan. you can see that some obviously fluctuate and grow a lot more than others.","start_word":5629,"end_word":5771,"sentiment":"neutral","sentiment_score":0.015571374068414415},{"text":"So I like this one, the US chair.","start_word":5772,"end_word":5779,"sentiment":"positive","sentiment_score":0.5110661387443542},{"text":"Yes. Can Exactly. you pull me one of that? You actually have you actually have quite quite a bit in this. We don't want everything, obviously, because you don't want everything in in one section, but you do have quite a bit still in The US market, which is great. So, basically, with your portfolio, we have a lot of different risk profiles to match both how you feel about fluctuations, but also how much time you have in the market. So at the moment, we have you invested in a high growth portfolio. Do you remember what a high growth investor, what it means at all? Yes. Yes. Yeah. Yeah. So, basically, it tells me simply that you are wanting to grow your super as much as possible before retirement while you still have, you know, plenty of time until you decide to retire, but also that you understand that there will be some of these ups and downs market fluctuations in the short term for it. So when we are then looking at how your money is invested currently in a high growth portfolio, we see 90% in what we call your growth assets. Now this is a combination of the top four. So that includes US shares, which you can see grow the most, but also fluctuates. You can then see the kind of darker green line, which is your Australian share. That's right. You also have yellow, which is your international share, and your property, that kind of maroon color.","start_word":5780,"end_word":6033,"sentiment":"neutral","sentiment_score":0.1351311057806015},{"text":"So you have majority of your money combined in those top four, which is to obviously grow that super for you while you still have plenty of time.","start_word":6034,"end_word":6061,"sentiment":"positive","sentiment_score":0.3473566174507141},{"text":"That's But right. then we but then we also want a little bit of that defensive to limit fluctuations a little bit, but not too much. So we have about 10% in those bottom three. Limit fluctuations to stabilize things a little bit when there are fluctuations. But, again, that's just kind of about 10%. Majority is in those top to grow that super. Now what we also factor in is time. Because you can obviously see here that if you were to be retiring tomorrow, we might wanna look at reducing the risk exposure so it's not like a big drop at the time.","start_word":6062,"end_word":6166,"sentiment":"neutral","sentiment_score":0.12362887830961318},{"text":"While you still have time for retirement, you can take advantage of this little up and down to grow it.","start_word":6167,"end_word":6186,"sentiment":"positive","sentiment_score":0.3352234959602356},{"text":"So in a high growth portfolio, we ideally like to see about eight years till retirement, making sure you have enough time for these ups and downs. What you do have at the moment, if you are still kind of comfortable with the way things are going and tracking for you and your current high growth portfolio, Evangeline. Yes. Yep.","start_word":6187,"end_word":6246,"sentiment":"neutral","sentiment_score":0.2347470372915268},{"text":"Beautiful.","start_word":6247,"end_word":6247,"sentiment":"positive","sentiment_score":0.5964545011520386},{"text":"Does this kind of make sense? Like, sometimes it's a bit messy, but I find it's a good way to kind of look at things from a larger scale. No. I'm with you. I I Yeah. thank you for educating me this, but but I am with No. you.","start_word":6248,"end_word":6296,"sentiment":"neutral","sentiment_score":0.1708616465330124},{"text":"Oh, beautiful.","start_word":6297,"end_word":6298,"sentiment":"positive","sentiment_score":0.33940139412879944},{"text":"Now if you can press next for me so we're almost at the end. Okay. Thank you. And it say here is off view service guide. Yes. So you probably split the final last year, but it is just a bit of an updated version. So this is our financial services guide, and it just gives you all the important information in regards to us here at Oakview. None of the important information has changed. But we've had a bit of an extension to the team, which is good, and also a bit of an updated marketing to what you potentially saw last year. But if you scroll through, you will see as you go through and I'll let you have a read over this in your own time so I don't keep you for too long. You will see all the directors and our advisers. And if you want to scroll down to page 10, you will actually see a photo of myself. And sometimes it's nice to put a face to the voice. Page 10, did you say? Yes. Page Page 10. 10. Where are you, page 10? I want to see you. Page 10. Oh, I can only see 12. So page 10 would be you're beside to the gentleman. Emily. No. Oh, so you've scrolled one page too far. So go up one page. Okay. Veronica. Yeah.","start_word":6299,"end_word":6529,"sentiment":"neutral","sentiment_score":0.11682108976753244},{"text":"That's me. Oh, you're so beautiful. Oh, thank you.","start_word":6530,"end_word":6538,"sentiment":"positive","sentiment_score":0.6313863396644592},{"text":"Okay. Okay. And sometimes, yeah, sometimes it's nice to see, especially as we're doing things over the phone.","start_word":6539,"end_word":6556,"sentiment":"neutral","sentiment_score":0.302726149559021},{"text":"It's nice to see, you know, who who you're talking to as well, make it a bit more personal.","start_word":6557,"end_word":6575,"sentiment":"positive","sentiment_score":0.3872195780277252},{"text":"Right. Yeah.","start_word":6576,"end_word":6577,"sentiment":"neutral","sentiment_score":0.30038872361183167},{"text":"Lovely. Yeah. Thank you for that.","start_word":6578,"end_word":6583,"sentiment":"positive","sentiment_score":0.4826047122478485},{"text":"No. Yeah.","start_word":6584,"end_word":6585,"sentiment":"neutral","sentiment_score":0.18979789316654205},{"text":"That's Lovely okay. to make you're so beautiful.","start_word":6586,"end_word":6593,"sentiment":"positive","sentiment_score":0.5567682981491089},{"text":"Yes.","start_word":6594,"end_word":6594,"sentiment":"neutral","sentiment_score":0.31565454602241516},{"text":"Thank you for going Oh, through thank with you. me with all my super.","start_word":6595,"end_word":6608,"sentiment":"positive","sentiment_score":0.4265782833099365},{"text":"This Yes. is the hard work I ever had for all my life, I think. Yeah.","start_word":6609,"end_word":6624,"sentiment":"neutral","sentiment_score":0.1790665239095688},{"text":"Super. I'm glad we Yeah. have super in Australia.","start_word":6625,"end_word":6633,"sentiment":"positive","sentiment_score":0.41094356775283813},{"text":"Yes.","start_word":6634,"end_word":6634,"sentiment":"neutral","sentiment_score":0.2539554536342621},{"text":"And that's Yeah. so good because, yeah, you work hard. You wanna make sure that your hard work is doing the right thing and that, you know, when you do retire, you can live comfortably. So that's really good, and that's what we're here to do. And also help educate you and make you make the best decisions for yourself at the end of the day. That's correct. Thank you very much.","start_word":6635,"end_word":6706,"sentiment":"positive","sentiment_score":0.5159294605255127},{"text":"Yeah. No. That's okay. Now the next two documents, it will ask you to add a little signature if you are happy to do so. So if you press next for me, you should have the first one first where it says hub 24 consent to new ongoing fee. Can Arrangement. you see that one? Yeah. That's right. Yes. Yeah. Yep. So this one here basically says that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure. Because Steven is a client as well, you guys are both on a reduced fee, which is good. So that stays exactly the same at 1.1% from. So no changes or increases at all in regards to that fee structure, and it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, otherwise, by signing this document, it allows us to manage and service your account and your investments and everything for you in the meantime.","start_word":6707,"end_word":6887,"sentiment":"neutral","sentiment_score":0.10437948260847375},{"text":"Alright. Lovely. Thank you.","start_word":6888,"end_word":6891,"sentiment":"positive","sentiment_score":0.6216715574264526},{"text":"So So it will I ask mhmm. I have clicked next, and it came Yep. to sign all. Yes. Sorry. It will ask you to draw, scribble a little signature. Sign all. On. Yeah. And the date, next. Is that done? If it take you to next, can you see the is this a tax file number option to provide tax fund number? Tax file number. Yeah. Yep. DCN. So that probably Signature yep. as well. Yes. So this is just just And a the compliance date. form, but it just says that we are keeping a tax fund number secure and safe on file. Yeah. But I would like to to get the phone for beneficiary Yes. so that is on place for me. Yes. And, Yes. also, the you will email myself and Steve regarding Yes. the wheel place. Correct. Yes. Yeah. Yes. I will get my team, so I will get my team to email, both of you. So I will get my team. It will be my colleague, Whitlam, who you will get the email from, And I will let him know to send email you those beneficiary forms as soon as possible so that you have them so we can get that sorted, and then send another one for for both of you with the lawyer information. So, again, you have pricing and everything. If you guys do decide, that is something you wanna have a look at. Yeah.","start_word":6892,"end_word":7135,"sentiment":"neutral","sentiment_score":0.10101117938756944},{"text":"That that's great.","start_word":7136,"end_word":7138,"sentiment":"positive","sentiment_score":0.5140976905822754},{"text":"Yeah. Yeah. Yeah.","start_word":7139,"end_word":7141,"sentiment":"neutral","sentiment_score":0.3063221573829651},{"text":"I'm And so glad then you guys look everything for us.","start_word":7142,"end_word":7152,"sentiment":"positive","sentiment_score":0.5145125389099121},{"text":"yeah.","start_word":7153,"end_word":7153,"sentiment":"neutral","sentiment_score":0.31255871057510376},{"text":"That's what we're here to do.","start_word":7154,"end_word":7159,"sentiment":"positive","sentiment_score":0.3807918131351471},{"text":"And, you know, if at any point in time you need anything, don't hesitate to give us a call or or send me an email.","start_word":7160,"end_word":7184,"sentiment":"neutral","sentiment_score":0.26896870136260986},{"text":"You can do it whenever you want to.","start_word":7185,"end_word":7192,"sentiment":"positive","sentiment_score":0.3383331000804901},{"text":"It doesn't have to be under review time. So if there's anything you need, just don't hesitate to give us a call. Okay? Okay.","start_word":7193,"end_word":7216,"sentiment":"neutral","sentiment_score":0.24337457120418549},{"text":"I will do that. Thank Yeah. you very much. No problem. Well, I will let you go and enjoy the rest of your afternoon unless you have any other questions for me. And it was lovely speaking with you today. Okay. Same to you.","start_word":7217,"end_word":7260,"sentiment":"positive","sentiment_score":0.5183317810297012},{"text":"So Mhmm. is everything all good now? It's been Yes. fine and everything? Yep.","start_word":7261,"end_word":7274,"sentiment":"neutral","sentiment_score":0.2103744000196457},{"text":"I Oh, have seen lovely. it's all been signed.","start_word":7275,"end_word":7283,"sentiment":"positive","sentiment_score":0.4070903956890106},{"text":"And if you ever wanna go back and have a read over them, it is saved there for you if you ever go back into the email. If you have any issues, though, you can just email me or give us a call because we always keep all the copies on file if you do wanna go back and have a look at them at any point in time as well.","start_word":7284,"end_word":7354,"sentiment":"neutral","sentiment_score":0.22197699546813965},{"text":"Okay. Lovely. Thank Yep. you so much. Thank you for giving No. me a call.","start_word":7355,"end_word":7369,"sentiment":"positive","sentiment_score":0.5768755078315735},{"text":"No.","start_word":7370,"end_word":7370,"sentiment":"neutral","sentiment_score":0.32344621419906616},{"text":"No problem. I look forward to speaking with you soon again, and I hope you enjoy the rest of your afternoon. Thank you. Thanks. Bye.","start_word":7371,"end_word":7395,"sentiment":"positive","sentiment_score":0.679499626159668},{"text":"Okay. Bye.","start_word":7396,"end_word":7397,"sentiment":"neutral","sentiment_score":0.2063179314136505}],"average":{"sentiment":"neutral","sentiment_score":0.11413654865803304}}}}