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And apologies. I am calling a couple of minutes late. My previous appointment was just running a little bit late. Yes. Can you hear me okay? Yep. Perfect. Now, Anthony, 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. Okay. Yep. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Perfect. And just the suburb as well, Sri? Yep. Perfect. And how's your day been so far? I've been busy. Yeah. That's good. I'll try not to keep you for too long today, Anthony. But before I do kind of jump into things, I do like to start by asking if there is any specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a kinda catch up and see where everything's at? Yeah. No. That's all good. If you think of anything, let me know. Otherwise, what I will go through with you first, it's just a bit of an updated fact find just to see if there is anything major that kind of changed in your life, if we do need to make any tweaks and changes to your advice at all. So just kind of bear with me as I run through this information with you. Now when it comes to your personal information, I have you down here as that you are in a de facto relationship, dependent. Is that correct? Yep. Beautiful. Now employment wise, still working as an electrician? Yep. Perfect. So same company, or has anything changed in the last twelve months? Yep. And what's the new employer? And when did you start? Oh, serious. Yep. And when did you start there? Yep. And enjoying it so far? Yes. Oh, nice. And what's the the new income for you? Yes. Okay. So thirty eight hours per week, you said. And what was your hourly rate? Sixty three seven. And that will be for tax, I assume? Like, before before yeah. Perfect. Okay. And how many are you doing five days a week, like, full time? Yep. Yep. Great. Yep. Perfect. No. That's all good. I can work with that. And in terms of contributions and stuff from your new employer, are they still kind of under the same agreement, so that minimum 5% contribution, or do they have, like, a special enterprise bargain agreement or additional entitlements or anything like that? Is it yeah. Perfect. Often as well, is there is there, like, an EBA in place or anything like that? They they tend to let you know if they're paying a little bit extra. So that's all good. And you're making any additional contributions, are you? Is that from your employer? Yep. Yep. Yes. Yep. Okay. Perfect. If you do, obviously, let us know same as same as what you did. If you wanted to if you do as after obviously, after tax contributions and you wanna claim that NOI, same as, obviously, the conversation you had with my colleague, Larissa, not too long ago. Just let us know, obviously, if if that is ever the situation. Yep. Perfect. Asset wise, I have here your main property was last valued at about $7.80. Is that still the case? Would you know if that went up a little bit? Or like, rough yeah. Perfect. And yeah. Great. And about $5.14 owing on the mortgage. Yeah. Okay. Like, $4.90, or do you want me to leave it at 5? Or 495. Beautiful. Thank you so much. I also have here that you have an offset at about 230,000 in there. Oh, nice. 94. Do you also still have the motor vehicle provided at about 30,000? Yes. Yeah. And you don't have anything owing on the on the car, do you? No. Great. Do you also have the 4,000 yes. Sorry? Yeah. No. That's okay. Yeah. Most people always sound like, oh, I bought it for about this, but I'm not really sure, which is totally fine. Now I also have here that you have about $4,000 worth of shares and 4,000 worth of crypto. Is that still the case? Oh, really? Yeah. Do you still have some in that, or did you kind of exit out of it? Yep. $6.01 50. Yeah. Okay. Great. Health and lifestyle wise, I have you done here as a nonsmoker, if that's the case? Yep. And have you had any changes to your health at all in the last twelve months? Any significant issues or injuries or anything? No. No. That's not perfect, but no, like, significant injuries causing you time off work or anything like that? No. Okay. That's great. And when it comes to estate planning, do you have a will or power of attorney in place or anything like that? No. On the to do list. And when you obviously do wanna have a look at it, do you know someone you can speak through, or would you like us to send you some information and pricing on a firm that we work closely with? Yeah? Yeah. Alright. Perfect. Well, what I will do is I will get the team to send you an email just with the the firm that we work closely with, and it has, like, pricing and stuff as well. So that gives you kind of a bit of an idea of what it would cost. And if you do look locally as well, you can also use that as a comparison. They are pretty pretty competitive and good and can have a look at that for you. Now I guess when it comes to kind of goals, the stuff that you are working towards or that you are wanting to achieve, during annual review, it's usually a good kind of time to see, well, what's happened in the last twelve months? How did we go? Is that still the goals? Would you have any new things that you are working towards? And when we spoke to you last time, your main focus was to sell your current unit and buy a a villa, a bit bigger house. Is that still kind of what you mhmm. Prices? Yeah. Yes. Yeah. Yep. Okay. Perfect. And is there anything else that you are focusing on or that you are wanting to achieve in next couple of years or within the next twelve months or anything like that? Yeah. No. That's all good. Next is kind of, I guess, when it comes to your superannuation and how your money is invested. What I will do is just quickly run through that risk profile questionnaire with you, Anthony, just to see if there is anything major that has changed, if we do need to make any, like, tweaks and changes to how your money is invested. So at the moment, obviously, we do have here that you obviously, it's quite a while away until retirement, but, ideally, you would like to access super at 65. Is that still kind of the plan, do you think? You'd work a little bit longer? Yep. And then an ideal income for you during retirement, I have here at about $600 per week. Do you think that would still be achievable, or do you think you would need a little bit more? Yeah. It also obviously depends on how extravagant you want your retirement. And for most people, it's you know, by the time you retire, ideally, you wanna be debt free and not have a mortgage attached. And then it would just kind of be, obviously, like, living expenses and travel. Yeah. And that would just be for you as well. Yeah. Yep. I'll put it at $7.50. Perfect. And I guess when it comes to a level of risk that you are comfortable with for your superannuation, obviously, making sure it it grows as much as possible, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yep. Last time you had high. So not like the super high, but you had high. That'll be fairly similar. Okay. Yep. And if you did see fluctuations in your superannuation due to, obviously, general trends in the market, so not, like, one particular investment that's gone bad, just kind of the market as a whole, would you want to if you had the option to do so, wanna invest a little bit more while the prices are down, kind of be a bit neutral and, like, hold and wait to see what happens to everything, or would you rather Yes. Yes. Yes. Moe? Yes. That's exactly right. So, obviously, when we do look at the market historically, you can see long term, it always goes up. But short term, depending on what is happening, you will have those ups and downs and market fluctuations. So, yes, that's definitely correct. Yep. Yeah. You you got time. Yes. Well, that basically kind of aligns with a high growth portfolio, which is the portfolio we currently have you invested in. Is that still something that you are comfortable with? Do you kind of understand what it means to be a high growth investor? Yes. Okay. Perfect. And when we are talking about that time frame, ideally, for making sure you obviously have enough time for those short term fluctuations, we like to see about years until retirement, ideally, in a high growth, which you certainly have. So it's definitely a good position to maximize that growth for you. And when it comes to as well kind of how everything is allocated, typically, in a high growth portfolio, we see about that 90% in your growth assets. And that is a combination of, like, Australian shares, international shares, property, and commodities, which is ultimately what is going to grow your super for you. And then about 10% in defensive, like your your cash, your gold, your fixed interest. Just little fluctuations a little bit, and that that main focus is to to grow that as much as possible. Yeah. Perfect. You're still happy with that high growth portfolio? Yep. Okay. Great. Now it does sound like you are deriving at the moment. Is that right? Ah, okay. Perfect. Because if it's safe for you to do so or if you have time, I have sent you an email with some documents to kind of quickly run through with you if you have the option of accessing those for me. Yep. Perfect. Now we have just changed the software as well. So it might look a little bit different to what you have been used to before. It's kind of the same, though, where it will ask you to click on a link to sign, but it will allow you to open up and look at everything first just to make sure that you are happy with everything before it prompts you to sign anything. Now let me know if you can see your first and it should say super and insurance summary. Can you see that okay? Yes. Okay. So with that, you can see that you do have your superannuation with hub twenty four. You do have about a 109,399 in there. And then you also have some insurances with Clearview. So for your life and total permanent disability, you have $1,209,901. Now with that level of cover, are you still kind of comfortable with how much you are covered for if something were to happen? Do you wanna make a changes? What are your thoughts? Yeah. It would obviously pay out the mortgage if something were to happen. And, obviously, if something were to happen and you can't go back to work, it still give a pretty decent amount of income replacement if something were to happen or cover funeral or lump sum expenses. So it's a pretty pretty decent amount. Income protection, you do have a monthly benefit of about $5,159 per month. You do have a thirty day waiting period and a five year benefit period. That is all paid from within the suit so within hub twenty four. And after that tax rebate, total premium is $3,029.40. Do you have any questions in regards to your insurances? Are you still happy with that income protection as well? Yep. Okay. Perfect. Now the next document should be your hub twenty four performance report, I believe. Yes. Perfect. So this one here might look a little bit messy or hard on the phone, but it basically breaks down all your individual investments and how they have performed over the last twelve months. So, obviously, during the last twelve months, we have obviously seen some fluctuations in the market. First, everything with, obviously, in The US with Trump and tariffs and everything, you'd see a bit of fluctuation. But, obviously, more recently with the war as well, we have seen a bit of fluctuations. Now if you have a look at the second column to the right, it should say internal rate of return. Can you see that? That's okay. No. That's okay. Basically, it breaks down all your individual investments and how they have performed. Now most of them have done pretty good considering the market, which is good. There is two that is down at the moment. One of them I do wanna look at changing for you. The other one is just your your property investment. It is just down slightly by about 10.68%, which is kind of understandable given, obviously, what's happening in the market. So I'm not very concerned with that. The other investment that is kind of underperforming a little bit at the moment is your Benelon Australian Equity Investment. Have you ever heard of that one before while you're quite familiar with managed funds and stuff? Yeah. No. That's all good. So with the Benelung investment, they are a managed fund. So, basically, how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market. Now they have been very successful in doing so, which is why it was added to your portfolio, obviously, when you came on board. But more recently, they've been a little bit slower in making those, decisions. But then, also, one of the investments that they had in their portfolio, was the corporate travel group. I'm not sure if you heard anything about them. Travel group? Yeah. Yeah. So, obviously, they had a bit of issues with reporting, which obviously caused everything to be suspended and just kind of be be on pause. So that did see a bit of the decline in the investment. So the good thing with hub twenty four is that there is hundreds and hundreds of different options for us to choose from. Now we also don't want to be like, if an investment is slightly underperforming temporarily and we foresee coming back around, it's not like we day trade your super. It's obviously a long term investment. But at the same time, we also want to be proactive. So if there's an investment that we see not being potentially the best one for you moving forward or there's other options that is going to give you more growth, then we also want to be proactive in making changes. So with the Benelung investment, the investment committee have done a lot of research on it, and do think that there's another suitable option out there that is going to be a little bit better for you to just kind of swap it out for. Now the one that they've looked at a lot is your BetaShares a 200. Have you heard of that? Yeah. So it is obviously a little bit different through your managed fund, but you are kind of actively buying and selling different investments. It is still invested in Australia, though. So if we are taking out one Australian investment, we still wanna make sure that we swap it for a a kind of similar substitute to give you that well rounded diversification. We don't wanna have overexposure to one market or too much underexposure to one market. So it was finding another Australian investment that was a little bit cheaper, performing a little bit better for you while still giving you that diversification. And the BetaShares a 200 came up as one of the most competitive one. Now how that one then works is basically invest in the 200 largest companies listed on the ASX. So, obviously, very diversified. Gives you all the big banks, BHP, Woolworths. So, again, very diversified option. And, obviously, as the company kind of grows in bigger, added to the 200 and something small kind of comes up. Would you be happy for us to make that one change for you? Yeah? Okay. Great. Perfect. So what I will do just for your records is that I will send you, in the next couple of days, something that's called a record of advice. You don't have to sign it. It is just for your reference to say that we have swapped out the Benelon and just replace it straight for the a 200 for you. Yeah. Okay. Beautiful. If you do have any questions or anything, let me know. But does that kind of all make sense otherwise so far, Anthony? Yeah. Okay. Great. Now the next document, is that your Vanguard index chart? Is that the one you can see at the moment? Yep. Have you ever seen something like this before? Yep. So every year, Vanguard does release an updated version. They do it at the end of the financial year, so the next one is due to come out any any day now. It's just good because it does show you kind of when we were talking back through the market historically. It shows you that over the long term market always goes up, but short term, you will have those ups and downs and market fluctuation depending on what is going on. This one also shows from 1995 through to 2025, and it breaks down the different asset classes on the right side as well. Referring back to that high growth portfolio, this is where you have your kind of top four. So The US shares, Australian shares, international shares, and property, that forms part of that growth component, which you have about 90% in, and then the bottom three are your defenses. Yep. Perfect. Now the next document, is that your certificate of currency with Clearview? Yep. Yep. Beautiful. This one here basically just lets you know that your insurances is all paid and up to date. So it just breaks that down in a little bit more detail for you. Yep. Now next one is that you owe OQ guide. Yes. So you probably have seen this one a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important information has changed, but we've had a bit of an extension to the team, which is great. Also, a bit of an updated marketing. But if you do scroll through, you will see the directors, all our advices. And if you do scroll through page 10, you will then see myself as well if you do wanna put a phrase to voice. Yep. Beautiful. And I do think you spoke to my colleague, Dana, last year as well, which is just right next to me. So yeah. And now next document for me, is that your ongoing service agreement, or or what can you see on your end? Yep. So this is one if you're happy to do so, it will ask for your signature. It is a compliance form, basically, just to say that we are keeping your tax fund number secure and safe on file. Yep. Yeah. Perfect. And then there should be one more after that. That, again, it will also ask for your signature if you are happy with that, and let me know when you can see that just so I can explain it. Yes. So that one here, same as last year, is just to say that you are happy to stay on as a client. Now, Anthony, I do wanna let you know as well that there's been no changes whatsoever in regards to the fee structure. That stays exactly the same at 1.65 from superannuation, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, otherwise, by signing this, it allows us to manage your investments and your accounts and everything for you until next annual review where then you will be asked to sign another one just to make sure, again, you are happy with everything. And it will ask for your, yeah, date and signature. And then it should say validate. Yep. Yep. No. That is all good. That should be all good. Perfect. So I'm sure that comes through to me shortly. Now I do also wanna triple check for you the beneficiary we have on file. So that is just if something were to happen to you just so that we do have the right person nominated. Now apologies if I mispronounced the name, but I have Yes. Beautiful. That's still correct? Yep. Perfect. So, yeah, that's all in place. It is nonlapsing, which means that it stays in place until you decide to change it. So that is all good. Basically, obviously, like I said, I will send you that record of the device in the next couple of days just for your reference. Like I said, you don't need to sign it or anything just to say that we are doing that one investment change for you. But do you have any other questions or or anything else from me, Anthony, before I let you go and enjoy the rest of your afternoon? Perfect. If you do, though, you know, don't hesitate to ever just give us a call or or send me an email as well, if there's anything that you do need. No worries. Well, thank you so much for your time today, Anthony. It was lovely speaking with you. And anything you need, just give us a call. No worries. We'll speak soon. Okay. 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afternoon. This is Anthony. This is Veronica from HP Financial. How are you? Good.\n\nThanks. I had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect.\n\nAnd apologies. I am calling a couple of minutes late. My previous appointment was just running a little bit late. Yes. Can you hear me okay?\n\nYep. Perfect. Now, Anthony, 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. Okay. Yep.\n\nPerfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Perfect. And just the suburb as well, Sri? Yep.\n\nPerfect. And how's your day been so far? I've been busy. Yeah. That's good.\n\nI'll try not to keep you for too long today, Anthony. But before I do kind of jump into things, I do like to start by asking if there is any specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a kinda catch up and see where everything's at? Yeah. No. That's all good.\n\nIf you think of anything, let me know. Otherwise, what I will go through with you first, it's just a bit of an updated fact find just to see if there is anything major that kind of changed in your life, if we do need to make any tweaks and changes to your advice at all. So just kind of bear with me as I run through this information with you. Now when it comes to your personal information, I have you down here as that you are in a de facto relationship, dependent. Is that correct?\n\nYep. Beautiful. Now employment wise, still working as an electrician? Yep. Perfect.\n\nSo same company, or has anything changed in the last twelve months? Yep. And what's the new employer? And when did you start? Oh, serious.\n\nYep. And when did you start there? Yep. And enjoying it so far? Yes.\n\nOh, nice. And what's the the new income for you? Yes. Okay. So thirty eight hours per week, you said.\n\nAnd what was your hourly rate? Sixty three seven. And that will be for tax, I assume? Like, before before yeah. Perfect.\n\nOkay. And how many are you doing five days a week, like, full time? Yep. Yep. Great.\n\nYep. Perfect. No. That's all good. I can work with that.\n\nAnd in terms of contributions and stuff from your new employer, are they still kind of under the same agreement, so that minimum 5% contribution, or do they have, like, a special enterprise bargain agreement or additional entitlements or anything like that? Is it yeah. Perfect. Often as well, is there is there, like, an EBA in place or anything like that? They they tend to let you know if they're paying a little bit extra.\n\nSo that's all good. And you're making any additional contributions, are you? Is that from your employer? Yep. Yep.\n\nYes. Yep. Okay. Perfect. If you do, obviously, let us know same as same as what you did.\n\nIf you wanted to if you do as after obviously, after tax contributions and you wanna claim that NOI, same as, obviously, the conversation you had with my colleague, Larissa, not too long ago. Just let us know, obviously, if if that is ever the situation. Yep. Perfect. Asset wise, I have here your main property was last valued at about $7.80.\n\nIs that still the case? Would you know if that went up a little bit? Or like, rough yeah. Perfect. And yeah.\n\nGreat. And about $5.14 owing on the mortgage. Yeah. Okay. Like, $4.90, or do you want me to leave it at 5?\n\nOr 495. Beautiful. Thank you so much. I also have here that you have an offset at about 230,000 in there. Oh, nice.\n\n94. Do you also still have the motor vehicle provided at about 30,000? Yes. Yeah. And you don't have anything owing on the on the car, do you?\n\nNo. Great. Do you also have the 4,000 yes. Sorry? Yeah.\n\nNo. That's okay. Yeah. Most people always sound like, oh, I bought it for about this, but I'm not really sure, which is totally fine. Now I also have here that you have about $4,000 worth of shares and 4,000 worth of crypto.\n\nIs that still the case? Oh, really? Yeah. Do you still have some in that, or did you kind of exit out of it? Yep.\n\n$6.01 50. Yeah. Okay. Great. Health and lifestyle wise, I have you done here as a nonsmoker, if that's the case?\n\nYep. And have you had any changes to your health at all in the last twelve months? Any significant issues or injuries or anything? No. No.\n\nThat's not perfect, but no, like, significant injuries causing you time off work or anything like that? No. Okay. That's great. And when it comes to estate planning, do you have a will or power of attorney in place or anything like that?\n\nNo. On the to do list. And when you obviously do wanna have a look at it, do you know someone you can speak through, or would you like us to send you some information and pricing on a firm that we work closely with? Yeah? Yeah.\n\nAlright. Perfect. Well, what I will do is I will get the team to send you an email just with the the firm that we work closely with, and it has, like, pricing and stuff as well. So that gives you kind of a bit of an idea of what it would cost. And if you do look locally as well, you can also use that as a comparison.\n\nThey are pretty pretty competitive and good and can have a look at that for you. Now I guess when it comes to kind of goals, the stuff that you are working towards or that you are wanting to achieve, during annual review, it's usually a good kind of time to see, well, what's happened in the last twelve months? How did we go? Is that still the goals? Would you have any new things that you are working towards?\n\nAnd when we spoke to you last time, your main focus was to sell your current unit and buy a a villa, a bit bigger house. Is that still kind of what you mhmm. Prices? Yeah. Yes.\n\nYeah. Yep. Okay. Perfect. And is there anything else that you are focusing on or that you are wanting to achieve in next couple of years or within the next twelve months or anything like that?\n\nYeah. No. That's all good. Next is kind of, I guess, when it comes to your superannuation and how your money is invested. What I will do is just quickly run through that risk profile questionnaire with you, Anthony, just to see if there is anything major that has changed, if we do need to make any, like, tweaks and changes to how your money is invested.\n\nSo at the moment, obviously, we do have here that you obviously, it's quite a while away until retirement, but, ideally, you would like to access super at 65. Is that still kind of the plan, do you think? You'd work a little bit longer? Yep. And then an ideal income for you during retirement, I have here at about $600 per week.\n\nDo you think that would still be achievable, or do you think you would need a little bit more? Yeah. It also obviously depends on how extravagant you want your retirement. And for most people, it's you know, by the time you retire, ideally, you wanna be debt free and not have a mortgage attached. And then it would just kind of be, obviously, like, living expenses and travel.\n\nYeah. And that would just be for you as well. Yeah. Yep. I'll put it at $7.50.\n\nPerfect. And I guess when it comes to a level of risk that you are comfortable with for your superannuation, obviously, making sure it it grows as much as possible, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Yep. Last time you had high. So not like the super high, but you had high.\n\nThat'll be fairly similar. Okay. Yep. And if you did see fluctuations in your superannuation due to, obviously, general trends in the market, so not, like, one particular investment that's gone bad, just kind of the market as a whole, would you want to if you had the option to do so, wanna invest a little bit more while the prices are down, kind of be a bit neutral and, like, hold and wait to see what happens to everything, or would you rather Yes. Yes.\n\nYes. Moe? Yes. That's exactly right. So, obviously, when we do look at the market historically, you can see long term, it always goes up.\n\nBut short term, depending on what is happening, you will have those ups and downs and market fluctuations. So, yes, that's definitely correct. Yep. Yeah. You you got time.\n\nYes. Well, that basically kind of aligns with a high growth portfolio, which is the portfolio we currently have you invested in. Is that still something that you are comfortable with? Do you kind of understand what it means to be a high growth investor? Yes.\n\nOkay. Perfect. And when we are talking about that time frame, ideally, for making sure you obviously have enough time for those short term fluctuations, we like to see about years until retirement, ideally, in a high growth, which you certainly have. So it's definitely a good position to maximize that growth for you. And when it comes to as well kind of how everything is allocated, typically, in a high growth portfolio, we see about that 90% in your growth assets.\n\nAnd that is a combination of, like, Australian shares, international shares, property, and commodities, which is ultimately what is going to grow your super for you. And then about 10% in defensive, like your your cash, your gold, your fixed interest. Just little fluctuations a little bit, and that that main focus is to to grow that as much as possible. Yeah. Perfect.\n\nYou're still happy with that high growth portfolio? Yep. Okay. Great. Now it does sound like you are deriving at the moment.\n\nIs that right? Ah, okay. Perfect. Because if it's safe for you to do so or if you have time, I have sent you an email with some documents to kind of quickly run through with you if you have the option of accessing those for me. Yep.\n\nPerfect. Now we have just changed the software as well. So it might look a little bit different to what you have been used to before. It's kind of the same, though, where it will ask you to click on a link to sign, but it will allow you to open up and look at everything first just to make sure that you are happy with everything before it prompts you to sign anything. Now let me know if you can see your first and it should say super and insurance summary.\n\nCan you see that okay? Yes. Okay. So with that, you can see that you do have your superannuation with hub twenty four. You do have about a 109,399 in there.\n\nAnd then you also have some insurances with Clearview. So for your life and total permanent disability, you have $1,209,901. Now with that level of cover, are you still kind of comfortable with how much you are covered for if something were to happen? Do you wanna make a changes? What are your thoughts?\n\nYeah. It would obviously pay out the mortgage if something were to happen. And, obviously, if something were to happen and you can't go back to work, it still give a pretty decent amount of income replacement if something were to happen or cover funeral or lump sum expenses. So it's a pretty pretty decent amount. Income protection, you do have a monthly benefit of about $5,159 per month.\n\nYou do have a thirty day waiting period and a five year benefit period. That is all paid from within the suit so within hub twenty four. And after that tax rebate, total premium is $3,029.40. Do you have any questions in regards to your insurances? Are you still happy with that income protection as well?\n\nYep. Okay. Perfect. Now the next document should be your hub twenty four performance report, I believe. Yes.\n\nPerfect. So this one here might look a little bit messy or hard on the phone, but it basically breaks down all your individual investments and how they have performed over the last twelve months. So, obviously, during the last twelve months, we have obviously seen some fluctuations in the market. First, everything with, obviously, in The US with Trump and tariffs and everything, you'd see a bit of fluctuation. But, obviously, more recently with the war as well, we have seen a bit of fluctuations.\n\nNow if you have a look at the second column to the right, it should say internal rate of return. Can you see that? That's okay. No. That's okay.\n\nBasically, it breaks down all your individual investments and how they have performed. Now most of them have done pretty good considering the market, which is good. There is two that is down at the moment. One of them I do wanna look at changing for you. The other one is just your your property investment.\n\nIt is just down slightly by about 10.68%, which is kind of understandable given, obviously, what's happening in the market. So I'm not very concerned with that. The other investment that is kind of underperforming a little bit at the moment is your Benelon Australian Equity Investment. Have you ever heard of that one before while you're quite familiar with managed funds and stuff? Yeah.\n\nNo. That's all good. So with the Benelung investment, they are a managed fund. So, basically, how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market. Now they have been very successful in doing so, which is why it was added to your portfolio, obviously, when you came on board.\n\nBut more recently, they've been a little bit slower in making those, decisions. But then, also, one of the investments that they had in their portfolio, was the corporate travel group. I'm not sure if you heard anything about them. Travel group? Yeah.\n\nYeah. So, obviously, they had a bit of issues with reporting, which obviously caused everything to be suspended and just kind of be be on pause. So that did see a bit of the decline in the investment. So the good thing with hub twenty four is that there is hundreds and hundreds of different options for us to choose from. Now we also don't want to be like, if an investment is slightly underperforming temporarily and we foresee coming back around, it's not like we day trade your super.\n\nIt's obviously a long term investment. But at the same time, we also want to be proactive. So if there's an investment that we see not being potentially the best one for you moving forward or there's other options that is going to give you more growth, then we also want to be proactive in making changes. So with the Benelung investment, the investment committee have done a lot of research on it, and do think that there's another suitable option out there that is going to be a little bit better for you to just kind of swap it out for. Now the one that they've looked at a lot is your BetaShares a 200.\n\nHave you heard of that? Yeah. So it is obviously a little bit different through your managed fund, but you are kind of actively buying and selling different investments. It is still invested in Australia, though. So if we are taking out one Australian investment, we still wanna make sure that we swap it for a a kind of similar substitute to give you that well rounded diversification.\n\nWe don't wanna have overexposure to one market or too much underexposure to one market. So it was finding another Australian investment that was a little bit cheaper, performing a little bit better for you while still giving you that diversification. And the BetaShares a 200 came up as one of the most competitive one. Now how that one then works is basically invest in the 200 largest companies listed on the ASX. So, obviously, very diversified.\n\nGives you all the big banks, BHP, Woolworths. So, again, very diversified option. And, obviously, as the company kind of grows in bigger, added to the 200 and something small kind of comes up. Would you be happy for us to make that one change for you? Yeah?\n\nOkay. Great. Perfect. So what I will do just for your records is that I will send you, in the next couple of days, something that's called a record of advice. You don't have to sign it.\n\nIt is just for your reference to say that we have swapped out the Benelon and just replace it straight for the a 200 for you. Yeah. Okay. Beautiful. If you do have any questions or anything, let me know.\n\nBut does that kind of all make sense otherwise so far, Anthony? Yeah. Okay. Great. Now the next document, is that your Vanguard index chart?\n\nIs that the one you can see at the moment? Yep. Have you ever seen something like this before? Yep. So every year, Vanguard does release an updated version.\n\nThey do it at the end of the financial year, so the next one is due to come out any any day now. It's just good because it does show you kind of when we were talking back through the market historically. It shows you that over the long term market always goes up, but short term, you will have those ups and downs and market fluctuation depending on what is going on. This one also shows from 1995 through to 2025, and it breaks down the different asset classes on the right side as well. Referring back to that high growth portfolio, this is where you have your kind of top four.\n\nSo The US shares, Australian shares, international shares, and property, that forms part of that growth component, which you have about 90% in, and then the bottom three are your defenses. Yep. Perfect. Now the next document, is that your certificate of currency with Clearview? Yep.\n\nYep. Beautiful. This one here basically just lets you know that your insurances is all paid and up to date. So it just breaks that down in a little bit more detail for you. Yep.\n\nNow next one is that you owe OQ guide. Yes. So you probably have seen this one a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important information has changed, but we've had a bit of an extension to the team, which is great.\n\nAlso, a bit of an updated marketing. But if you do scroll through, you will see the directors, all our advices. And if you do scroll through page 10, you will then see myself as well if you do wanna put a phrase to voice. Yep. Beautiful.\n\nAnd I do think you spoke to my colleague, Dana, last year as well, which is just right next to me. So yeah. And now next document for me, is that your ongoing service agreement, or or what can you see on your end? Yep. So this is one if you're happy to do so, it will ask for your signature.\n\nIt is a compliance form, basically, just to say that we are keeping your tax fund number secure and safe on file. Yep. Yeah. Perfect. And then there should be one more after that.\n\nThat, again, it will also ask for your signature if you are happy with that, and let me know when you can see that just so I can explain it. Yes. So that one here, same as last year, is just to say that you are happy to stay on as a client. Now, Anthony, I do wanna let you know as well that there's been no changes whatsoever in regards to the fee structure. That stays exactly the same at 1.65 from superannuation, so no changes there.\n\nAnd it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, otherwise, by signing this, it allows us to manage your investments and your accounts and everything for you until next annual review where then you will be asked to sign another one just to make sure, again, you are happy with everything. And it will ask for your, yeah, date and signature. And then it should say validate.\n\nYep. Yep. No. That is all good. That should be all good.\n\nPerfect. So I'm sure that comes through to me shortly. Now I do also wanna triple check for you the beneficiary we have on file. So that is just if something were to happen to you just so that we do have the right person nominated. Now apologies if I mispronounced the name, but I have Yes.\n\nBeautiful. That's still correct? Yep. Perfect. So, yeah, that's all in place.\n\nIt is nonlapsing, which means that it stays in place until you decide to change it. So that is all good. Basically, obviously, like I said, I will send you that record of the device in the next couple of days just for your reference. Like I said, you don't need to sign it or anything just to say that we are doing that one investment change for you. But do you have any other questions or or anything else from me, Anthony, before I let you go and enjoy the rest of your afternoon?\n\nPerfect. If you do, though, you know, don't hesitate to ever just give us a call or or send me an email as well, if there's anything that you do need. No worries. Well, thank you so much for your time today, Anthony. It was lovely speaking with you.\n\nAnd anything you need, just give us a call. No worries. We'll speak soon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.3135672062635422},{"text":"This is Anthony.","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.17767283817132315},{"text":"This is Veronica from HP Financial.","start":5.12,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.17241823424895605},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.18459254006544748},{"text":"Good.","start":10.16,"end":10.559999,"sentiment":"positive","sentiment_score":0.6029014587402344}],"sentiment":"neutral","sentiment_score":0.22342276076475778,"num_words":15,"start":1.92,"end":10.559999},{"sentences":[{"text":"Thanks.","start":10.559999,"end":11.059999,"sentiment":"positive","sentiment_score":0.6887086629867554},{"text":"I had you booked in to go over your annual review.","start":11.92,"end":14.505,"sentiment":"positive","sentiment_score":0.44223290952769195},{"text":"Is now still a good time for you?","start":14.505,"end":16.205,"sentiment":"positive","sentiment_score":0.4254615232348442},{"text":"Yep.","start":18.105,"end":18.605,"sentiment":"neutral","sentiment_score":0.05197414755821228},{"text":"Perfect.","start":18.665,"end":19.165,"sentiment":"neutral","sentiment_score":0.20805993676185608}],"sentiment":"positive","sentiment_score":0.4189544062722813,"num_words":22,"start":10.559999,"end":19.165},{"sentences":[{"text":"And apologies.","start":19.625,"end":20.265,"sentiment":"neutral","sentiment_score":-0.12141690030694008},{"text":"I am calling a couple of minutes late.","start":20.265,"end":22.105,"sentiment":"neutral","sentiment_score":-0.16668431088328362},{"text":"My previous appointment was just running a little bit late.","start":22.105,"end":24.925,"sentiment":"neutral","sentiment_score":-0.18261439427733422},{"text":"Yes.","start":28.720001,"end":29.04,"sentiment":"neutral","sentiment_score":-0.007517101708799601},{"text":"Can you hear me okay?","start":29.04,"end":30.18,"sentiment":"neutral","sentiment_score":-0.014165135659277439}],"sentiment":"neutral","sentiment_score":-0.13387673117148763,"num_words":26,"start":19.625,"end":30.18},{"sentences":[{"text":"Yep.","start":31.76,"end":32.24,"sentiment":"neutral","sentiment_score":0.04784218966960907},{"text":"Perfect.","start":32.24,"end":32.74,"sentiment":"neutral","sentiment_score":0.1948297917842865},{"text":"Now, Anthony, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":33.36,"end":40.965,"sentiment":"neutral","sentiment_score":0.012133805209706569},{"text":"Okay.","start":42.725,"end":42.885,"sentiment":"neutral","sentiment_score":0.05600778013467789},{"text":"Yep.","start":42.885,"end":43.205,"sentiment":"neutral","sentiment_score":0.10079677402973176}],"sentiment":"neutral","sentiment_score":0.022768390506054417,"num_words":33,"start":31.76,"end":43.205},{"sentences":[{"text":"Perfect.","start":43.205,"end":43.705,"sentiment":"neutral","sentiment_score":0.2493950128555298},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":43.765,"end":53.72,"sentiment":"neutral","sentiment_score":0.09807431807412821},{"text":"Perfect.","start":65.3,"end":65.619995,"sentiment":"neutral","sentiment_score":0.2596206068992615},{"text":"And just the suburb as well, Sri?","start":65.619995,"end":67.565,"sentiment":"neutral","sentiment_score":0.11648109768118177},{"text":"Yep.","start":70.585,"end":71.065,"sentiment":"neutral","sentiment_score":0.15133091807365415}],"sentiment":"neutral","sentiment_score":0.10932365991175175,"num_words":44,"start":43.205,"end":71.065},{"sentences":[{"text":"Perfect.","start":71.065,"end":71.545,"sentiment":"positive","sentiment_score":0.3538660407066345},{"text":"And how's your day been so far?","start":71.545,"end":72.985,"sentiment":"neutral","sentiment_score":0.1908664916242872},{"text":"I've been busy.","start":72.985,"end":73.725,"sentiment":"neutral","sentiment_score":-0.1383192539215088},{"text":"Yeah.","start":75.705,"end":76.205,"sentiment":"neutral","sentiment_score":0.1333494484424591},{"text":"That's good.","start":77.545,"end":78.445,"sentiment":"positive","sentiment_score":0.34598812460899353}],"sentiment":"neutral","sentiment_score":0.15002138699804032,"num_words":14,"start":71.065,"end":78.445},{"sentences":[{"text":"I'll try not to keep you for too long today, Anthony.","start":79.15,"end":81.89,"sentiment":"neutral","sentiment_score":0.06032619354399768},{"text":"But before I do kind of jump into things, I do like to start by asking if there is any specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a kinda catch up and see where everything's at?","start":81.95,"end":95.425,"sentiment":"neutral","sentiment_score":0.025661545598672494},{"text":"Yeah.","start":99.005,"end":99.505,"sentiment":"neutral","sentiment_score":-0.05410370975732803},{"text":"No.","start":99.725,"end":100.045,"sentiment":"neutral","sentiment_score":-0.0863998681306839},{"text":"That's all good.","start":100.045,"end":100.925,"sentiment":"neutral","sentiment_score":0.25517889360586804}],"sentiment":"neutral","sentiment_score":0.03820492420345545,"num_words":70,"start":79.15,"end":100.925},{"sentences":[{"text":"If you think of anything, let me know.","start":100.925,"end":102.865,"sentiment":"neutral","sentiment_score":0.06461789831519127},{"text":"Otherwise, what I will go through with you first, it's just a bit of an updated fact find just to see if there is anything major that kind of changed in your life, if we do need to make any tweaks and changes to your advice at all.","start":104.0,"end":116.865,"sentiment":"neutral","sentiment_score":-0.004497780464589596},{"text":"So just kind of bear with me as I run through this information with you.","start":117.025,"end":121.204994,"sentiment":"neutral","sentiment_score":0.0335698276758194},{"text":"Now when it comes to your personal information, I have you down here as that you are in a de facto relationship, dependent.","start":122.865,"end":132.45,"sentiment":"neutral","sentiment_score":0.012691191114161325},{"text":"Is that correct?","start":132.45,"end":133.35,"sentiment":"neutral","sentiment_score":0.020334412033359207}],"sentiment":"neutral","sentiment_score":0.011932966712209368,"num_words":97,"start":100.925,"end":133.35},{"sentences":[{"text":"Yep.","start":134.93001,"end":135.41,"sentiment":"neutral","sentiment_score":0.21730011701583865},{"text":"Beautiful.","start":135.41,"end":135.91,"sentiment":"positive","sentiment_score":0.5820827484130859},{"text":"Now employment wise, still working as an electrician?","start":137.17,"end":141.51001,"sentiment":"neutral","sentiment_score":0.090781444683671},{"text":"Yep.","start":143.09,"end":143.49,"sentiment":"neutral","sentiment_score":0.11056604981422424},{"text":"Perfect.","start":143.49,"end":143.97,"sentiment":"neutral","sentiment_score":0.2954868674278259}],"sentiment":"neutral","sentiment_score":0.16097394501169524,"num_words":12,"start":134.93001,"end":143.97},{"sentences":[{"text":"So same company, or has anything changed in the last twelve months?","start":143.97,"end":150.345,"sentiment":"neutral","sentiment_score":0.024949197269355256},{"text":"Yep.","start":150.965,"end":151.44499,"sentiment":"neutral","sentiment_score":0.011952519416809082},{"text":"And what's the new employer?","start":151.44499,"end":153.545,"sentiment":"neutral","sentiment_score":0.004188904305920005},{"text":"And when did you start?","start":162.03,"end":163.33,"sentiment":"neutral","sentiment_score":0.005512392241507768},{"text":"Oh, serious.","start":163.47,"end":164.11,"sentiment":"neutral","sentiment_score":0.015972397290170193}],"sentiment":"neutral","sentiment_score":0.015671766558662058,"num_words":25,"start":143.97,"end":164.11},{"sentences":[{"text":"Yep.","start":164.11,"end":164.35,"sentiment":"neutral","sentiment_score":0.01956935226917267},{"text":"And when did you start there?","start":164.35,"end":165.81,"sentiment":"neutral","sentiment_score":0.0090810915765663},{"text":"Yep.","start":168.35,"end":168.59,"sentiment":"neutral","sentiment_score":0.07367269694805145},{"text":"And enjoying it so far?","start":168.59,"end":170.05,"sentiment":"neutral","sentiment_score":0.22966294288635253},{"text":"Yes.","start":171.71,"end":172.21,"sentiment":"neutral","sentiment_score":0.12851764261722565}],"sentiment":"neutral","sentiment_score":0.10175435398040074,"num_words":14,"start":164.11,"end":172.21},{"sentences":[{"text":"Oh, nice.","start":173.55,"end":174.29001,"sentiment":"neutral","sentiment_score":0.2494608238339424},{"text":"And what's the the new income for you?","start":175.485,"end":178.065,"sentiment":"neutral","sentiment_score":-0.0906917373649776},{"text":"Yes.","start":180.205,"end":180.705,"sentiment":"neutral","sentiment_score":-0.007948823273181915},{"text":"Okay.","start":199.8,"end":200.3,"sentiment":"neutral","sentiment_score":0.012013985775411127},{"text":"So thirty eight hours per week, you said.","start":201.48,"end":203.555,"sentiment":"neutral","sentiment_score":0.002771459869109094}],"sentiment":"neutral","sentiment_score":-0.0100187704898417,"num_words":20,"start":173.55,"end":203.555},{"sentences":[{"text":"And what was your hourly rate?","start":203.555,"end":205.095,"sentiment":"neutral","sentiment_score":-0.0018740680534392595},{"text":"Sixty three seven.","start":205.555,"end":208.69499,"sentiment":"neutral","sentiment_score":-0.002327460899929671},{"text":"And that will be for tax, I assume?","start":208.75499,"end":210.61499,"sentiment":"neutral","sentiment_score":-0.010947915608994663},{"text":"Like, before before yeah.","start":212.595,"end":214.19499,"sentiment":"neutral","sentiment_score":0.003002492245286703},{"text":"Perfect.","start":214.19499,"end":214.69499,"sentiment":"neutral","sentiment_score":0.10801519453525545}],"sentiment":"neutral","sentiment_score":0.000646138528364563,"num_words":22,"start":203.555,"end":214.69499},{"sentences":[{"text":"Okay.","start":215.155,"end":215.635,"sentiment":"neutral","sentiment_score":0.04093072563409805},{"text":"And how many are you doing five days a week, like, full time?","start":215.635,"end":219.77,"sentiment":"neutral","sentiment_score":0.021981665004904453},{"text":"Yep.","start":221.11,"end":221.43001,"sentiment":"neutral","sentiment_score":0.046945493668317795},{"text":"Yep.","start":221.43001,"end":221.83,"sentiment":"neutral","sentiment_score":0.06415954977273941},{"text":"Great.","start":221.83,"end":222.33,"sentiment":"neutral","sentiment_score":0.216024249792099}],"sentiment":"neutral","sentiment_score":0.03846009787829483,"num_words":17,"start":215.155,"end":222.33},{"sentences":[{"text":"Yep.","start":223.59001,"end":224.09001,"sentiment":"neutral","sentiment_score":0.09708170592784882},{"text":"Perfect.","start":224.15001,"end":224.63,"sentiment":"neutral","sentiment_score":0.15826605260372162},{"text":"No.","start":224.63,"end":224.79001,"sentiment":"neutral","sentiment_score":0.06827273219823837},{"text":"That's all good.","start":224.79001,"end":225.51001,"sentiment":"neutral","sentiment_score":0.1662771999835968},{"text":"I can work with that.","start":225.51001,"end":226.73001,"sentiment":"neutral","sentiment_score":0.17419162392616272}],"sentiment":"neutral","sentiment_score":0.15394638275558298,"num_words":11,"start":223.59001,"end":226.73001},{"sentences":[{"text":"And in terms of contributions and stuff from your new employer, are they still kind of under the same agreement, so that minimum 5% contribution, or do they have, like, a special enterprise bargain agreement or additional entitlements or anything like that?","start":228.95001,"end":246.01001,"sentiment":"neutral","sentiment_score":0.0020474418997764587},{"text":"Is it yeah.","start":247.99,"end":248.81,"sentiment":"neutral","sentiment_score":0.0689598520596822},{"text":"Perfect.","start":249.11,"end":249.59,"sentiment":"neutral","sentiment_score":0.20581236481666565},{"text":"Often as well, is there is there, like, an EBA in place or anything like that?","start":249.59,"end":252.87001,"sentiment":"neutral","sentiment_score":0.045066840248182416},{"text":"They they tend to let you know if they're paying a little bit extra.","start":252.87001,"end":256.265,"sentiment":"neutral","sentiment_score":0.03299349486561758}],"sentiment":"neutral","sentiment_score":0.02212714280099853,"num_words":76,"start":228.95001,"end":256.265},{"sentences":[{"text":"So that's all good.","start":257.045,"end":258.245,"sentiment":"positive","sentiment_score":0.36809876561164856},{"text":"And you're making any additional contributions, are you?","start":258.245,"end":260.725,"sentiment":"neutral","sentiment_score":0.05462080845609307},{"text":"Is that from your employer?","start":260.725,"end":261.865,"sentiment":"neutral","sentiment_score":0.017418127879500388},{"text":"Yep.","start":266.165,"end":266.665,"sentiment":"neutral","sentiment_score":0.015372224152088164},{"text":"Yep.","start":273.8,"end":274.3,"sentiment":"neutral","sentiment_score":-0.08313684910535812}],"sentiment":"neutral","sentiment_score":0.10150987076524057,"num_words":19,"start":257.045,"end":274.3},{"sentences":[{"text":"Yes.","start":280.12,"end":280.515,"sentiment":"neutral","sentiment_score":-0.024687159806489944},{"text":"Yep.","start":282.035,"end":282.535,"sentiment":"neutral","sentiment_score":-0.07686883211135864},{"text":"Okay.","start":286.035,"end":286.535,"sentiment":"neutral","sentiment_score":0.09337233006954192},{"text":"Perfect.","start":286.595,"end":287.075,"sentiment":"positive","sentiment_score":0.38141313195228577},{"text":"If you do, obviously, let us know same as same as what you did.","start":287.075,"end":292.11502,"sentiment":"neutral","sentiment_score":0.17098719413791383}],"sentiment":"neutral","sentiment_score":0.15372501044637626,"num_words":18,"start":280.12,"end":292.11502},{"sentences":[{"text":"If you wanted to if you do as after obviously, after tax contributions and you wanna claim that NOI, same as, obviously, the conversation you had with my colleague, Larissa, not too long ago.","start":292.11502,"end":301.55002,"sentiment":"neutral","sentiment_score":0.05768971413593082},{"text":"Just let us know, obviously, if if that is ever the situation.","start":301.85,"end":304.59,"sentiment":"neutral","sentiment_score":0.03342199729134639},{"text":"Yep.","start":306.17,"end":306.57,"sentiment":"neutral","sentiment_score":0.1086527332663536},{"text":"Perfect.","start":306.57,"end":307.07,"sentiment":"neutral","sentiment_score":0.31548386812210083},{"text":"Asset wise, I have here your main property was last valued at about $7.80.","start":308.995,"end":314.215,"sentiment":"neutral","sentiment_score":0.11060250044933387}],"sentiment":"neutral","sentiment_score":0.06992073960962795,"num_words":62,"start":292.11502,"end":314.215},{"sentences":[{"text":"Is that still the case?","start":314.51498,"end":315.555,"sentiment":"neutral","sentiment_score":0.07039186879992484},{"text":"Would you know if that went up a little bit?","start":315.555,"end":317.875,"sentiment":"neutral","sentiment_score":0.02233261540532112},{"text":"Or like, rough yeah.","start":317.875,"end":326.31,"sentiment":"neutral","sentiment_score":0.03600776195526123},{"text":"Perfect.","start":326.93,"end":327.43,"sentiment":"neutral","sentiment_score":0.2657287120819092},{"text":"And yeah.","start":327.65,"end":329.89,"sentiment":"neutral","sentiment_score":0.08943821489810944}],"sentiment":"neutral","sentiment_score":0.052905531261454926,"num_words":22,"start":314.51498,"end":329.89},{"sentences":[{"text":"Great.","start":329.89,"end":330.29,"sentiment":"neutral","sentiment_score":0.2206958830356598},{"text":"And about $5.14 owing on the mortgage.","start":330.29,"end":335.64502,"sentiment":"neutral","sentiment_score":0.056353899517229626},{"text":"Yeah.","start":336.105,"end":336.605,"sentiment":"neutral","sentiment_score":0.01374092698097229},{"text":"Okay.","start":353.47998,"end":353.97998,"sentiment":"neutral","sentiment_score":0.015474410727620125},{"text":"Like, $4.90, or do you want me to leave it at 5?","start":357.15997,"end":362.685,"sentiment":"neutral","sentiment_score":0.014288560254499316}],"sentiment":"neutral","sentiment_score":0.03708414729176597,"num_words":22,"start":329.89,"end":362.685},{"sentences":[{"text":"Or 495.","start":362.685,"end":363.965,"sentiment":"neutral","sentiment_score":0.023638243786990643},{"text":"Beautiful.","start":363.965,"end":364.445,"sentiment":"positive","sentiment_score":0.5511487722396851},{"text":"Thank you so much.","start":364.445,"end":365.505,"sentiment":"positive","sentiment_score":0.7002575248479843},{"text":"I also have here that you have an offset at about 230,000 in there.","start":366.445,"end":371.425,"sentiment":"neutral","sentiment_score":0.1519696797643389},{"text":"Oh, nice.","start":376.62,"end":377.36002,"sentiment":"neutral","sentiment_score":0.20357630401849747}],"sentiment":"neutral","sentiment_score":0.25800797756275407,"num_words":23,"start":362.685,"end":377.36002},{"sentences":[{"text":"94.","start":377.82,"end":378.80002,"sentiment":"neutral","sentiment_score":0.03474500775337219},{"text":"Do you also still have the motor vehicle provided at about 30,000?","start":379.66,"end":383.52002,"sentiment":"neutral","sentiment_score":0.023738666127125423},{"text":"Yes.","start":386.06,"end":386.445,"sentiment":"neutral","sentiment_score":0.05374552309513092},{"text":"Yeah.","start":387.725,"end":387.885,"sentiment":"neutral","sentiment_score":0.03704851493239403},{"text":"And you don't have anything owing on the on the car, do you?","start":387.885,"end":390.785,"sentiment":"neutral","sentiment_score":-0.002334927602742727}],"sentiment":"neutral","sentiment_score":0.013573177873955242,"num_words":28,"start":377.82,"end":390.785},{"sentences":[{"text":"No.","start":392.285,"end":392.525,"sentiment":"neutral","sentiment_score":-0.10578016936779022},{"text":"Great.","start":392.525,"end":392.845,"sentiment":"neutral","sentiment_score":0.09736184775829317},{"text":"Do you also have the 4,000 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that you have about $4,000 worth of shares and 4,000 worth of crypto.","start":413.25497,"end":419.35498,"sentiment":"neutral","sentiment_score":0.11205040829049216}],"sentiment":"neutral","sentiment_score":0.008125343121761499,"num_words":43,"start":402.78,"end":419.35498},{"sentences":[{"text":"Is that still the case?","start":419.81497,"end":421.115,"sentiment":"neutral","sentiment_score":0.061652421951293945},{"text":"Oh, really?","start":432.31,"end":433.05,"sentiment":"neutral","sentiment_score":-0.23236382007598877},{"text":"Yeah.","start":437.83,"end":438.33,"sentiment":"neutral","sentiment_score":-0.04121427237987518},{"text":"Do you still have some in that, or did you kind of exit out of it?","start":439.43,"end":442.945,"sentiment":"neutral","sentiment_score":-0.037632910534739494},{"text":"Yep.","start":447.48502,"end":447.98502,"sentiment":"neutral","sentiment_score":0.05697288364171982}],"sentiment":"neutral","sentiment_score":-0.029713339507579803,"num_words":25,"start":419.81497,"end":447.98502},{"sentences":[{"text":"$6.01 50.","start":479.79498,"end":481.01498,"sentiment":"neutral","sentiment_score":0.02387224603444338},{"text":"Yeah.","start":482.09,"end":482.56998,"sentiment":"neutral","sentiment_score":0.0991384983062744},{"text":"Okay.","start":482.56998,"end":482.97,"sentiment":"neutral","sentiment_score":0.2450840920209885},{"text":"Great.","start":482.97,"end":483.47,"sentiment":"positive","sentiment_score":0.6457922458648682},{"text":"Health and lifestyle wise, I have you done here as a nonsmoker, if that's the case?","start":485.28998,"end":490.50998,"sentiment":"positive","sentiment_score":0.35621953941881657}],"sentiment":"neutral","sentiment_score":0.3208224742362897,"num_words":21,"start":479.79498,"end":490.50998},{"sentences":[{"text":"Yep.","start":491.84998,"end":492.34998,"sentiment":"neutral","sentiment_score":0.07942274212837219},{"text":"And have you had any changes to your health at all in the last twelve months?","start":492.40997,"end":496.125,"sentiment":"neutral","sentiment_score":0.020621241303160787},{"text":"Any significant issues or injuries or anything?","start":496.125,"end":499.585,"sentiment":"neutral","sentiment_score":-0.09118493752820152},{"text":"No.","start":501.805,"end":502.305,"sentiment":"neutral","sentiment_score":-0.15427210927009585},{"text":"No.","start":503.16498,"end":503.66498,"sentiment":"neutral","sentiment_score":-0.24016442894935608}],"sentiment":"neutral","sentiment_score":-0.02397571145915068,"num_words":26,"start":491.84998,"end":503.66498},{"sentences":[{"text":"That's not perfect, but no, like, significant injuries causing you time off work or anything like that?","start":505.805,"end":513.68,"sentiment":"neutral","sentiment_score":-0.2318969890475273},{"text":"No.","start":513.68,"end":514.0,"sentiment":"neutral","sentiment_score":-0.048016466200351715},{"text":"Okay.","start":514.0,"end":514.32,"sentiment":"neutral","sentiment_score":0.15442070364952087},{"text":"That's great.","start":514.32,"end":515.14,"sentiment":"positive","sentiment_score":0.4998437315225601},{"text":"And when it comes to estate planning, do you have a will or power of attorney in place or anything like that?","start":515.60004,"end":526.365,"sentiment":"neutral","sentiment_score":0.01404156561263583}],"sentiment":"neutral","sentiment_score":-0.05877308534501597,"num_words":43,"start":505.805,"end":526.365},{"sentences":[{"text":"No.","start":526.365,"end":526.865,"sentiment":"neutral","sentiment_score":-0.15406431257724762},{"text":"On the to do list.","start":530.525,"end":531.96497,"sentiment":"neutral","sentiment_score":-0.014720278978347778},{"text":"And when you obviously do wanna have a look at it, do you know someone you can speak through, or would you like us to send you some information and pricing on a firm that we work closely with?","start":531.96497,"end":545.44,"sentiment":"neutral","sentiment_score":0.02909855802471821},{"text":"Yeah?","start":547.42,"end":547.92,"sentiment":"neutral","sentiment_score":0.03913715481758118},{"text":"Yeah.","start":550.3,"end":550.77997,"sentiment":"neutral","sentiment_score":0.05117587745189667}],"sentiment":"neutral","sentiment_score":0.021223214633287267,"num_words":47,"start":526.365,"end":550.77997},{"sentences":[{"text":"Alright.","start":550.77997,"end":551.27997,"sentiment":"neutral","sentiment_score":0.15461480617523193},{"text":"Perfect.","start":551.375,"end":551.615,"sentiment":"neutral","sentiment_score":-0.017052335664629936},{"text":"Well, what I will do is I will get the team to send you an email just with the the firm that we work closely with, and it has, like, pricing and stuff as well.","start":551.615,"end":559.95496,"sentiment":"neutral","sentiment_score":0.07732855390225138},{"text":"So that gives you kind of a bit of an idea of what it would cost.","start":560.175,"end":562.975,"sentiment":"neutral","sentiment_score":0.10961975064128637},{"text":"And if you do look locally as well, you can also use that as a comparison.","start":562.975,"end":566.53,"sentiment":"neutral","sentiment_score":0.10919839516282082}],"sentiment":"neutral","sentiment_score":0.09195872739065385,"num_words":69,"start":550.77997,"end":566.53},{"sentences":[{"text":"They are pretty pretty competitive and good and can have a look at that for you.","start":567.07,"end":573.49,"sentiment":"positive","sentiment_score":0.5450858818367124},{"text":"Now I guess when it comes to kind of goals, the stuff that you are working towards or that you are wanting to achieve, during annual review, it's usually a good kind of time to see, well, what's happened in the last twelve months?","start":575.15,"end":586.175,"sentiment":"neutral","sentiment_score":0.14664883437481793},{"text":"How did we go?","start":586.175,"end":586.81494,"sentiment":"neutral","sentiment_score":0.11484917625784874},{"text":"Is that still the goals?","start":586.81494,"end":587.77496,"sentiment":"neutral","sentiment_score":0.14313704073429107},{"text":"Would you have any new things that you are working towards?","start":587.77496,"end":590.675,"sentiment":"neutral","sentiment_score":0.13903817940842023}],"sentiment":"neutral","sentiment_score":0.22348030880093575,"num_words":80,"start":567.07,"end":590.675},{"sentences":[{"text":"And when we spoke to you last time, your main focus was to sell your current unit and buy a a villa, a bit bigger house.","start":591.295,"end":602.04,"sentiment":"neutral","sentiment_score":0.0003555387688370851},{"text":"Is that still kind of what you 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just to see if there is anything major that has changed, if we do need to make any, like, tweaks and changes to how your money is invested.","start":645.675,"end":657.83997,"sentiment":"neutral","sentiment_score":-0.014628403227437626}],"sentiment":"neutral","sentiment_score":-0.008618818512603418,"num_words":67,"start":635.5,"end":657.83997},{"sentences":[{"text":"So at the moment, obviously, we do have here that you obviously, it's quite a while away until retirement, but, ideally, you would like to access super at 65.","start":659.42,"end":670.79504,"sentiment":"neutral","sentiment_score":0.024637131084655893},{"text":"Is that still kind of the plan, do you think?","start":671.255,"end":673.335,"sentiment":"neutral","sentiment_score":0.22774708122015},{"text":"You'd work a little bit longer?","start":673.335,"end":674.79504,"sentiment":"neutral","sentiment_score":0.12246357277035713},{"text":"Yep.","start":675.09503,"end":675.59503,"sentiment":"neutral","sentiment_score":0.13731129467487335},{"text":"And then an ideal income for you during retirement, I have here at about $600 per week.","start":676.85504,"end":684.71,"sentiment":"positive","sentiment_score":0.38451440369381623}],"sentiment":"neutral","sentiment_score":0.16509182869441927,"num_words":63,"start":659.42,"end":684.71},{"sentences":[{"text":"Do you think that would still be achievable, or do you think you would need a little bit more?","start":684.93,"end":690.47003,"sentiment":"neutral","sentiment_score":0.23398487073810478},{"text":"Yeah.","start":700.105,"end":700.505,"sentiment":"neutral","sentiment_score":0.07836638391017914},{"text":"It also obviously depends on how extravagant you want your retirement.","start":700.505,"end":703.885,"sentiment":"neutral","sentiment_score":0.10697970945726741},{"text":"And for most people, it's you know, by the time you retire, ideally, you wanna be debt free and not have a mortgage attached.","start":704.105,"end":710.745,"sentiment":"neutral","sentiment_score":0.09487186387802164},{"text":"And then it would just kind of be, obviously, like, living expenses and travel.","start":710.745,"end":714.61,"sentiment":"neutral","sentiment_score":0.07866276601063353}],"sentiment":"neutral","sentiment_score":0.13158056795921014,"num_words":69,"start":684.93,"end":714.61},{"sentences":[{"text":"Yeah.","start":715.23,"end":715.73,"sentiment":"neutral","sentiment_score":0.10585547238588332},{"text":"And that would just be for you as well.","start":720.35,"end":722.37,"sentiment":"neutral","sentiment_score":0.15244173175758785},{"text":"Yeah.","start":722.43,"end":722.93,"sentiment":"neutral","sentiment_score":0.11151814460754396},{"text":"Yep.","start":730.10504,"end":730.60504,"sentiment":"neutral","sentiment_score":0.15840160846710205},{"text":"I'll put it at $7.50.","start":731.065,"end":732.60504,"sentiment":"neutral","sentiment_score":0.22520750164985656}],"sentiment":"neutral","sentiment_score":0.16904637173694723,"num_words":17,"start":715.23,"end":732.60504},{"sentences":[{"text":"Perfect.","start":734.905,"end":735.405,"sentiment":"positive","sentiment_score":0.7264673113822937},{"text":"And I guess when it comes to a level of risk that you are comfortable with for your superannuation, obviously, making sure it it grows as much as possible, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?","start":735.54504,"end":756.575,"sentiment":"neutral","sentiment_score":0.11945357653670587},{"text":"Yep.","start":762.395,"end":762.57,"sentiment":"neutral","sentiment_score":0.04927306994795799},{"text":"Last time you had high.","start":765.93,"end":767.13,"sentiment":"neutral","sentiment_score":-0.0679499626159668},{"text":"So not like the super high, but you had high.","start":767.13,"end":770.03,"sentiment":"neutral","sentiment_score":-0.08626952506601811}],"sentiment":"neutral","sentiment_score":0.08383885938404263,"num_words":69,"start":734.905,"end":770.03},{"sentences":[{"text":"That'll be fairly similar.","start":771.13,"end":772.35004,"sentiment":"positive","sentiment_score":0.3605490028858185},{"text":"Okay.","start":772.73,"end":773.23,"sentiment":"neutral","sentiment_score":0.11159445345401764},{"text":"Yep.","start":773.37,"end":773.87,"sentiment":"neutral","sentiment_score":-0.0720209851861},{"text":"And if you did see fluctuations in your superannuation due to, obviously, general trends in the market, so not, like, one particular investment that's gone bad, just kind of the market as a whole, would you want to if you had the option to do so, wanna invest a little bit more while the prices are down, kind of be a bit neutral and, like, hold and wait to see what happens to everything, or would you rather Yes.","start":774.81,"end":801.79,"sentiment":"neutral","sentiment_score":-0.07655686031602606},{"text":"Yes.","start":802.64996,"end":803.14996,"sentiment":"neutral","sentiment_score":0.02378777414560318}],"sentiment":"neutral","sentiment_score":-0.05281900826754958,"num_words":86,"start":771.13,"end":803.14996},{"sentences":[{"text":"Yes.","start":804.17,"end":804.67,"sentiment":"neutral","sentiment_score":0.09132053703069688},{"text":"Moe?","start":809.215,"end":809.715,"sentiment":"neutral","sentiment_score":0.10645079612731934},{"text":"Yes.","start":812.495,"end":812.995,"sentiment":"neutral","sentiment_score":0.17349524796009064},{"text":"That's exactly right.","start":821.13,"end":822.33,"sentiment":"neutral","sentiment_score":0.29024651646614075},{"text":"So, obviously, when we do look at the market historically, you can see long term, it always goes up.","start":822.33,"end":829.52997,"sentiment":"neutral","sentiment_score":0.031980641970508976}],"sentiment":"neutral","sentiment_score":0.07398553311824799,"num_words":25,"start":804.17,"end":829.52997},{"sentences":[{"text":"But short term, depending on what is happening, you will have those ups and downs and market fluctuations.","start":829.52997,"end":835.07,"sentiment":"neutral","sentiment_score":-0.06240681207014455},{"text":"So, yes, that's definitely correct.","start":836.965,"end":838.985,"sentiment":"neutral","sentiment_score":0.10854725390672684},{"text":"Yep.","start":841.125,"end":841.625,"sentiment":"neutral","sentiment_score":0.1473756730556488},{"text":"Yeah.","start":844.485,"end":844.965,"sentiment":"neutral","sentiment_score":0.010860782116651537},{"text":"You you got time.","start":844.965,"end":846.185,"sentiment":"neutral","sentiment_score":0.010324547067284584}],"sentiment":"neutral","sentiment_score":-0.013139713940949276,"num_words":29,"start":829.52997,"end":846.185},{"sentences":[{"text":"Yes.","start":847.685,"end":848.185,"sentiment":"neutral","sentiment_score":0.14310282468795776},{"text":"Well, that basically kind of aligns with a high growth portfolio, which is the portfolio we currently have you invested in.","start":849.38,"end":857.08,"sentiment":"neutral","sentiment_score":0.213664282645498},{"text":"Is that still something that you are comfortable with?","start":857.86,"end":860.18,"sentiment":"neutral","sentiment_score":0.19402932706806394},{"text":"Do you kind of understand what it means to be a high growth investor?","start":860.18,"end":863.24,"sentiment":"neutral","sentiment_score":0.08536656573414803},{"text":"Yes.","start":865.635,"end":866.11505,"sentiment":"neutral","sentiment_score":0.19676107168197632}],"sentiment":"neutral","sentiment_score":0.16887412382208783,"num_words":46,"start":847.685,"end":866.11505},{"sentences":[{"text":"Okay.","start":866.11505,"end":866.59503,"sentiment":"positive","sentiment_score":0.37741994857788086},{"text":"Perfect.","start":866.59503,"end":867.075,"sentiment":"positive","sentiment_score":0.5305293202400208},{"text":"And when we are talking about that time frame, ideally, for making sure you obviously have enough time for those short term fluctuations, we like to see about years until retirement, ideally, in a high growth, which you certainly have.","start":867.075,"end":882.3,"sentiment":"neutral","sentiment_score":0.25859075263142584},{"text":"So it's definitely a good position to maximize that growth for you.","start":882.3,"end":887.66,"sentiment":"positive","sentiment_score":0.6154442057013512},{"text":"And when it comes to as well kind of how everything is allocated, typically, in a high growth portfolio, we see about that 90% in your growth assets.","start":887.66,"end":897.905,"sentiment":"neutral","sentiment_score":0.27859947298254284}],"sentiment":"neutral","sentiment_score":0.3224109156829555,"num_words":82,"start":866.11505,"end":897.905},{"sentences":[{"text":"And that is a combination of, like, Australian shares, international shares, property, and commodities, which is ultimately what is going to grow your super for you.","start":898.205,"end":908.15,"sentiment":"neutral","sentiment_score":0.21945124979202563},{"text":"And then about 10% in defensive, like your your cash, your gold, your fixed interest.","start":908.37,"end":914.69,"sentiment":"neutral","sentiment_score":0.2047351022561391},{"text":"Just little fluctuations a little bit, and that that main focus is to to grow that as much as possible.","start":914.69,"end":920.595,"sentiment":"neutral","sentiment_score":0.21334570199251174},{"text":"Yeah.","start":920.595,"end":920.83496,"sentiment":"positive","sentiment_score":0.3596952259540558},{"text":"Perfect.","start":920.83496,"end":921.235,"sentiment":"positive","sentiment_score":0.666763424873352}],"sentiment":"neutral","sentiment_score":0.22333542411289517,"num_words":63,"start":898.205,"end":921.235},{"sentences":[{"text":"You're still happy with that high growth portfolio?","start":921.235,"end":923.33496,"sentiment":"positive","sentiment_score":0.6051328256726265},{"text":"Yep.","start":925.15497,"end":925.555,"sentiment":"neutral","sentiment_score":0.261349618434906},{"text":"Okay.","start":925.555,"end":926.055,"sentiment":"positive","sentiment_score":0.3653687238693238},{"text":"Great.","start":926.115,"end":926.615,"sentiment":"positive","sentiment_score":0.5896928310394287},{"text":"Now it does sound like you are deriving at the moment.","start":927.235,"end":930.195,"sentiment":"neutral","sentiment_score":0.32370435107838025}],"sentiment":"positive","sentiment_score":0.4371918927539479,"num_words":22,"start":921.235,"end":930.195},{"sentences":[{"text":"Is that right?","start":930.195,"end":931.095,"sentiment":"neutral","sentiment_score":0.1838297446568807},{"text":"Ah, okay.","start":933.635,"end":934.295,"sentiment":"neutral","sentiment_score":0.25619035959243774},{"text":"Perfect.","start":934.50995,"end":934.58997,"sentiment":"positive","sentiment_score":0.44691377878189087},{"text":"Because if it's safe for you to do so or if you have time, I have sent you an email with some documents to kind of quickly run through with you if you have the option of accessing those for me.","start":934.58997,"end":946.44995,"sentiment":"neutral","sentiment_score":0.20283938544552502},{"text":"Yep.","start":948.58997,"end":949.08997,"sentiment":"neutral","sentiment_score":0.23328933119773865}],"sentiment":"neutral","sentiment_score":0.2095934972167015,"num_words":48,"start":930.195,"end":949.08997},{"sentences":[{"text":"Perfect.","start":949.47,"end":949.845,"sentiment":"positive","sentiment_score":0.44723403453826904},{"text":"Now we have just changed the software as well.","start":950.08496,"end":953.38495,"sentiment":"neutral","sentiment_score":0.1534284551938375},{"text":"So it might look a little bit different to what you have been used to before.","start":954.08496,"end":960.665,"sentiment":"neutral","sentiment_score":0.029952689306810498},{"text":"It's kind of the same, though, where it will ask you to click on a link to sign, but it will allow you to open up and look at everything first just to make sure that you are happy with everything before it prompts you to sign anything.","start":961.20496,"end":973.26,"sentiment":"neutral","sentiment_score":0.1210908730669568},{"text":"Now let me know if you can see your first and it should say super and insurance summary.","start":975.96,"end":982.66504,"sentiment":"neutral","sentiment_score":0.0835281881607241}],"sentiment":"neutral","sentiment_score":0.10460002667716016,"num_words":92,"start":949.47,"end":982.66504},{"sentences":[{"text":"Can you see that okay?","start":982.66504,"end":983.885,"sentiment":"neutral","sentiment_score":0.09050940722227097},{"text":"Yes.","start":985.86505,"end":986.265,"sentiment":"neutral","sentiment_score":0.08537447452545166},{"text":"Okay.","start":986.265,"end":986.765,"sentiment":"neutral","sentiment_score":0.0903838574886322},{"text":"So with that, you can see that you do have your superannuation with hub twenty four.","start":988.66504,"end":994.56995,"sentiment":"neutral","sentiment_score":0.13629522547125816},{"text":"You do have about a 109,399 in there.","start":994.87,"end":1000.49,"sentiment":"neutral","sentiment_score":0.12119740527123213}],"sentiment":"neutral","sentiment_score":0.12189058767211053,"num_words":31,"start":982.66504,"end":1000.49},{"sentences":[{"text":"And then you also have some insurances with Clearview.","start":1000.94995,"end":1004.56995,"sentiment":"neutral","sentiment_score":0.10113669021262063},{"text":"So for your life and total permanent disability, you have $1,209,901.","start":1005.75,"end":1014.865,"sentiment":"neutral","sentiment_score":0.11028865792534569},{"text":"Now with that level of cover, are you still kind of comfortable with how much you are covered for if something were to happen?","start":1015.405,"end":1021.5499,"sentiment":"neutral","sentiment_score":0.10258311840395133},{"text":"Do you wanna make a changes?","start":1021.5499,"end":1023.17,"sentiment":"neutral","sentiment_score":0.05032284495731195},{"text":"What are your thoughts?","start":1023.38995,"end":1024.37,"sentiment":"neutral","sentiment_score":0.0334336762316525}],"sentiment":"neutral","sentiment_score":0.09298281602699447,"num_words":54,"start":1000.94995,"end":1024.37},{"sentences":[{"text":"Yeah.","start":1027.3099,"end":1027.63,"sentiment":"neutral","sentiment_score":0.13849377632141113},{"text":"It would obviously pay out the mortgage if something were to happen.","start":1027.63,"end":1030.53,"sentiment":"neutral","sentiment_score":0.08442098893040868},{"text":"And, obviously, if something were to happen and you can't go back to work, it still give a pretty decent amount of income replacement if something were to happen or cover funeral or lump sum expenses.","start":1030.83,"end":1040.665,"sentiment":"neutral","sentiment_score":0.2884866489718358},{"text":"So it's a pretty pretty decent amount.","start":1041.365,"end":1043.945,"sentiment":"positive","sentiment_score":0.6974969165665763},{"text":"Income protection, you do have a monthly benefit of about $5,159 per month.","start":1044.645,"end":1053.9299,"sentiment":"neutral","sentiment_score":0.275202839420392}],"sentiment":"neutral","sentiment_score":0.2898142077522251,"num_words":69,"start":1027.3099,"end":1053.9299},{"sentences":[{"text":"You do have a thirty day waiting period and a five year benefit period.","start":1054.47,"end":1059.45,"sentiment":"neutral","sentiment_score":0.14296314120292664},{"text":"That is all paid from within the suit so within hub twenty four.","start":1061.19,"end":1065.745,"sentiment":"neutral","sentiment_score":0.24674925895837638},{"text":"And after that tax rebate, total premium is $3,029.40.","start":1065.885,"end":1071.265,"sentiment":"neutral","sentiment_score":0.18377596471044752},{"text":"Do you have any questions in regards to your insurances?","start":1072.6051,"end":1075.025,"sentiment":"neutral","sentiment_score":0.09168684817850589},{"text":"Are you still happy with that income protection as well?","start":1075.0851,"end":1077.87,"sentiment":"neutral","sentiment_score":0.17878690361976624}],"sentiment":"neutral","sentiment_score":0.1708561704227967,"num_words":56,"start":1054.47,"end":1077.87},{"sentences":[{"text":"Yep.","start":1080.43,"end":1080.75,"sentiment":"positive","sentiment_score":0.34957051277160645},{"text":"Okay.","start":1080.75,"end":1081.23,"sentiment":"positive","sentiment_score":0.34324881434440613},{"text":"Perfect.","start":1081.23,"end":1081.73,"sentiment":"positive","sentiment_score":0.5194863677024841},{"text":"Now the next document should be your hub twenty four performance report, I believe.","start":1084.75,"end":1092.335,"sentiment":"neutral","sentiment_score":0.21508674642869405},{"text":"Yes.","start":1093.035,"end":1093.535,"sentiment":"neutral","sentiment_score":0.14043423533439636}],"sentiment":"neutral","sentiment_score":0.24244191000858942,"num_words":18,"start":1080.43,"end":1093.535},{"sentences":[{"text":"Perfect.","start":1093.915,"end":1094.395,"sentiment":"neutral","sentiment_score":0.23399530351161957},{"text":"So this one here might look a little bit messy or hard on the phone, but it basically breaks down all your individual investments and how they have performed over the last twelve months.","start":1094.395,"end":1105.935,"sentiment":"neutral","sentiment_score":0.037043304292156416},{"text":"So, obviously, during the last twelve months, we have obviously seen some fluctuations in the market.","start":1106.2699,"end":1110.85,"sentiment":"neutral","sentiment_score":-0.015122161596082151},{"text":"First, everything with, obviously, in The US with Trump and tariffs and everything, you'd see a bit of fluctuation.","start":1111.3899,"end":1117.1699,"sentiment":"neutral","sentiment_score":-0.030551536253800516},{"text":"But, obviously, more recently with the war as well, we have seen a bit of fluctuations.","start":1117.23,"end":1121.935,"sentiment":"neutral","sentiment_score":-0.05064515536651015}],"sentiment":"neutral","sentiment_score":-0.001619635009055221,"num_words":86,"start":1093.915,"end":1121.935},{"sentences":[{"text":"Now if you have a look at the second column to the right, it should say internal rate of return.","start":1123.435,"end":1130.155,"sentiment":"neutral","sentiment_score":0.015332717634737491},{"text":"Can you see that?","start":1130.155,"end":1131.2151,"sentiment":"neutral","sentiment_score":-0.0010474859736859798},{"text":"That's okay.","start":1138.1699,"end":1139.23,"sentiment":"neutral","sentiment_score":-0.0006198352202773095},{"text":"No.","start":1139.2899,"end":1139.61,"sentiment":"neutral","sentiment_score":-0.03825581073760986},{"text":"That's okay.","start":1139.61,"end":1140.4299,"sentiment":"neutral","sentiment_score":-0.01169810350984335}],"sentiment":"neutral","sentiment_score":0.008261128296626025,"num_words":29,"start":1123.435,"end":1140.4299},{"sentences":[{"text":"Basically, it breaks down all your individual investments and how they have performed.","start":1140.73,"end":1145.87,"sentiment":"neutral","sentiment_score":0.046242128197963424},{"text":"Now most of them have done pretty good considering the market, which is good.","start":1146.525,"end":1151.105,"sentiment":"positive","sentiment_score":0.3377246100987707},{"text":"There is two that is down at the moment.","start":1151.645,"end":1155.505,"sentiment":"neutral","sentiment_score":-0.08900546820627318},{"text":"One of them I do wanna look at changing for you.","start":1155.725,"end":1159.025,"sentiment":"neutral","sentiment_score":-0.038436034694314},{"text":"The other one is just your your property investment.","start":1159.405,"end":1163.5199,"sentiment":"neutral","sentiment_score":-0.041903424387176834}],"sentiment":"neutral","sentiment_score":0.06657706773174661,"num_words":56,"start":1140.73,"end":1163.5199},{"sentences":[{"text":"It is just down slightly by about 10.68%, which is kind of understandable given, obviously, what's happening in the market.","start":1163.5199,"end":1170.7999,"sentiment":"neutral","sentiment_score":-0.06280178101733327},{"text":"So I'm not very concerned with that.","start":1170.7999,"end":1172.6599,"sentiment":"neutral","sentiment_score":-0.1676583950008665},{"text":"The other investment that is kind of underperforming a little bit at the moment is your Benelon Australian Equity Investment.","start":1173.12,"end":1179.3551,"sentiment":"neutral","sentiment_score":-0.24747478030622005},{"text":"Have you ever heard of that one before while you're quite familiar with managed funds and stuff?","start":1179.495,"end":1183.995,"sentiment":"neutral","sentiment_score":-0.09820570972035914},{"text":"Yeah.","start":1190.775,"end":1191.175,"sentiment":"neutral","sentiment_score":-0.03320758044719696}],"sentiment":"neutral","sentiment_score":-0.13972068672569898,"num_words":65,"start":1163.5199,"end":1191.175},{"sentences":[{"text":"No.","start":1191.175,"end":1191.495,"sentiment":"neutral","sentiment_score":-0.042664267122745514},{"text":"That's all good.","start":1191.495,"end":1192.4751,"sentiment":"neutral","sentiment_score":0.23663824299971262},{"text":"So with the Benelung investment, they are a managed fund.","start":1192.82,"end":1196.28,"sentiment":"neutral","sentiment_score":0.10695505663752555},{"text":"So, basically, how it works is that they are actively trying to buy and sell different investments in order to try to outperform the market.","start":1196.5,"end":1203.32,"sentiment":"neutral","sentiment_score":0.1992441889643669},{"text":"Now they have been very successful in doing so, which is why it was added to your portfolio, obviously, when you came on board.","start":1203.78,"end":1211.085,"sentiment":"positive","sentiment_score":0.35855051983768743}],"sentiment":"neutral","sentiment_score":0.24322409886452886,"num_words":63,"start":1191.175,"end":1211.085},{"sentences":[{"text":"But more recently, they've been a little bit slower in making those, decisions.","start":1211.3049,"end":1216.2849,"sentiment":"neutral","sentiment_score":-0.24614156094881204},{"text":"But then, also, one of the investments that they had in their portfolio, was the corporate travel group.","start":1216.505,"end":1222.32,"sentiment":"neutral","sentiment_score":-0.03289060770637459},{"text":"I'm not sure if you heard anything about them.","start":1222.32,"end":1227.1399,"sentiment":"neutral","sentiment_score":-0.08686906016535229},{"text":"Travel group?","start":1227.6799,"end":1228.58,"sentiment":"neutral","sentiment_score":-0.027603323571383953},{"text":"Yeah.","start":1229.2,"end":1229.7,"sentiment":"neutral","sentiment_score":-0.027593836188316345}],"sentiment":"neutral","sentiment_score":-0.10829054083415242,"num_words":43,"start":1211.3049,"end":1229.7},{"sentences":[{"text":"Yeah.","start":1230.32,"end":1230.6399,"sentiment":"neutral","sentiment_score":-0.040630824863910675},{"text":"So, obviously, they had a bit of issues with reporting, which obviously caused everything to be suspended and just kind of be be on pause.","start":1230.6399,"end":1238.085,"sentiment":"neutral","sentiment_score":-0.28329490035772326},{"text":"So that did see a bit of the decline in the investment.","start":1238.085,"end":1241.7849,"sentiment":"neutral","sentiment_score":-0.2744462216893832},{"text":"So the good thing with hub twenty four is that there is hundreds and hundreds of different options for us to choose from.","start":1242.725,"end":1249.065,"sentiment":"positive","sentiment_score":0.33662189154521277},{"text":"Now we also don't want to be like, if an investment is slightly underperforming temporarily and we foresee coming back around, it's not like we day trade your super.","start":1249.205,"end":1258.25,"sentiment":"neutral","sentiment_score":-0.12906457843451663}],"sentiment":"neutral","sentiment_score":-0.0712991918126742,"num_words":90,"start":1230.32,"end":1258.25},{"sentences":[{"text":"It's obviously a long term investment.","start":1258.25,"end":1259.87,"sentiment":"neutral","sentiment_score":-0.020917915195847552},{"text":"But at the same time, we also want to be proactive.","start":1261.21,"end":1264.35,"sentiment":"neutral","sentiment_score":0.10346287014809522},{"text":"So if there's an investment that we see not being potentially the best one for you moving forward or there's other options that is going to give you more growth, then we also want to be proactive in making changes.","start":1264.6499,"end":1277.385,"sentiment":"neutral","sentiment_score":0.012325215199962259},{"text":"So with the Benelung investment, the investment committee have done a lot of research on it, and do think that there's another suitable option out there that is going to be a little bit better for you to just kind of swap it out for.","start":1278.3251,"end":1292.2101,"sentiment":"neutral","sentiment_score":-0.012706851545307372},{"text":"Now the one that they've looked at a lot is your BetaShares a 200.","start":1292.8301,"end":1298.9349,"sentiment":"neutral","sentiment_score":0.026124702101307257}],"sentiment":"neutral","sentiment_score":0.011202846537344158,"num_words":116,"start":1258.25,"end":1298.9349},{"sentences":[{"text":"Have you heard of that?","start":1298.9349,"end":1300.1549,"sentiment":"neutral","sentiment_score":0.01747706178575754},{"text":"Yeah.","start":1302.615,"end":1303.095,"sentiment":"neutral","sentiment_score":0.03248535841703415},{"text":"So it is obviously a little bit different through your managed fund, but you are kind of actively buying and selling different investments.","start":1303.095,"end":1308.955,"sentiment":"neutral","sentiment_score":0.016524684615433216},{"text":"It is still invested in Australia, though.","start":1309.37,"end":1311.4501,"sentiment":"neutral","sentiment_score":0.02147126038159643},{"text":"So if we are taking out one Australian investment, we still wanna make sure that we swap it for a a kind of similar substitute to give you that well rounded diversification.","start":1311.4501,"end":1320.5901,"sentiment":"neutral","sentiment_score":0.09941941010765731}],"sentiment":"neutral","sentiment_score":0.0563479170531911,"num_words":68,"start":1298.9349,"end":1320.5901},{"sentences":[{"text":"We don't wanna have overexposure to one market or too much underexposure to one market.","start":1321.37,"end":1326.1549,"sentiment":"neutral","sentiment_score":0.006981853892405828},{"text":"So it was finding another Australian investment that was a little bit cheaper, performing a little bit better for you while still giving you that diversification.","start":1326.375,"end":1333.9149,"sentiment":"neutral","sentiment_score":0.2443209161552099},{"text":"And the BetaShares a 200 came up as one of the most competitive one.","start":1334.9349,"end":1339.995,"sentiment":"neutral","sentiment_score":0.22676690135683333},{"text":"Now how that one then works is basically invest in the 200 largest companies listed on the ASX.","start":1340.36,"end":1346.78,"sentiment":"neutral","sentiment_score":0.08949037517110507},{"text":"So, obviously, very diversified.","start":1347.24,"end":1348.7001,"sentiment":"neutral","sentiment_score":0.09508131071925163}],"sentiment":"neutral","sentiment_score":0.15094753562823518,"num_words":77,"start":1321.37,"end":1348.7001},{"sentences":[{"text":"Gives you all the big banks, BHP, Woolworths.","start":1349.0801,"end":1351.66,"sentiment":"neutral","sentiment_score":0.15773083735257387},{"text":"So, again, very diversified option.","start":1351.7201,"end":1353.525,"sentiment":"neutral","sentiment_score":0.14250850230455397},{"text":"And, obviously, as the company kind of grows in bigger, added to the 200 and something small kind of comes up.","start":1354.0851,"end":1360.505,"sentiment":"neutral","sentiment_score":0.05857469824453195},{"text":"Would you be happy for us to make that one change for you?","start":1362.405,"end":1366.345,"sentiment":"positive","sentiment_score":0.35457037274654096},{"text":"Yeah?","start":1368.3251,"end":1368.8251,"sentiment":"neutral","sentiment_score":0.2280714511871338}],"sentiment":"neutral","sentiment_score":0.16754050354938954,"num_words":48,"start":1349.0801,"end":1368.8251},{"sentences":[{"text":"Okay.","start":1368.885,"end":1369.23,"sentiment":"neutral","sentiment_score":0.3001517653465271},{"text":"Great.","start":1369.3099,"end":1369.63,"sentiment":"positive","sentiment_score":0.5638104677200317},{"text":"Perfect.","start":1369.63,"end":1370.13,"sentiment":"positive","sentiment_score":0.5131689310073853},{"text":"So what I will do just for your records is that I will send you, in the next couple of days, something that's called a record of advice.","start":1370.4299,"end":1379.01,"sentiment":"neutral","sentiment_score":0.20406829193234444},{"text":"You don't have to sign it.","start":1379.63,"end":1381.15,"sentiment":"neutral","sentiment_score":0.05020546540617943}],"sentiment":"neutral","sentiment_score":0.1997912467734234,"num_words":37,"start":1368.885,"end":1381.15},{"sentences":[{"text":"It is just for your reference to say that we have swapped out the Benelon and just replace it straight for the a 200 for you.","start":1381.15,"end":1389.415,"sentiment":"neutral","sentiment_score":0.12566044095617074},{"text":"Yeah.","start":1390.115,"end":1390.515,"sentiment":"neutral","sentiment_score":0.13642627000808716},{"text":"Okay.","start":1390.515,"end":1390.8351,"sentiment":"neutral","sentiment_score":0.23314404487609863},{"text":"Beautiful.","start":1390.8351,"end":1391.3351,"sentiment":"positive","sentiment_score":0.4114469289779663},{"text":"If you do have any questions or anything, let me know.","start":1391.555,"end":1394.115,"sentiment":"neutral","sentiment_score":0.20081805099140515}],"sentiment":"neutral","sentiment_score":0.1564296817407012,"num_words":40,"start":1381.15,"end":1394.115},{"sentences":[{"text":"But does that kind of all make sense otherwise so far, Anthony?","start":1394.115,"end":1397.3351,"sentiment":"neutral","sentiment_score":0.06264023079226415},{"text":"Yeah.","start":1398.8351,"end":1399.155,"sentiment":"neutral","sentiment_score":0.09334804117679596},{"text":"Okay.","start":1399.155,"end":1399.4751,"sentiment":"neutral","sentiment_score":0.15214067697525024},{"text":"Great.","start":1399.4751,"end":1399.77,"sentiment":"neutral","sentiment_score":0.28006064891815186},{"text":"Now the next document, is that your Vanguard index chart?","start":1400.17,"end":1404.5701,"sentiment":"neutral","sentiment_score":0.11561926752328873}],"sentiment":"neutral","sentiment_score":0.0973369924724102,"num_words":25,"start":1394.115,"end":1404.5701},{"sentences":[{"text":"Is that the one you can see at the moment?","start":1404.5701,"end":1406.35,"sentiment":"neutral","sentiment_score":0.09341114014387131},{"text":"Yep.","start":1406.73,"end":1407.23,"sentiment":"neutral","sentiment_score":0.03017578087747097},{"text":"Have you ever seen something like this before?","start":1408.09,"end":1410.11,"sentiment":"neutral","sentiment_score":0.02109929104335606},{"text":"Yep.","start":1412.97,"end":1413.47,"sentiment":"neutral","sentiment_score":0.10929864645004272},{"text":"So every year, Vanguard does release an updated version.","start":1413.655,"end":1416.9349,"sentiment":"neutral","sentiment_score":0.09071216566695108}],"sentiment":"neutral","sentiment_score":0.07099274648674603,"num_words":29,"start":1404.5701,"end":1416.9349},{"sentences":[{"text":"They do it at the end of the financial year, so the next one is due to come out any any day now.","start":1416.9349,"end":1421.595,"sentiment":"neutral","sentiment_score":0.08743177451517271},{"text":"It's just good because it does show you kind of when we were talking back through the market historically.","start":1422.215,"end":1426.475,"sentiment":"positive","sentiment_score":0.3647516534516686},{"text":"It shows you that over the long term market always goes up, but short term, you will have those ups and downs and market fluctuation depending on what is going on.","start":1427.255,"end":1435.17,"sentiment":"neutral","sentiment_score":0.14633200485860148},{"text":"This one also shows from 1995 through to 2025, and it breaks down the different asset classes on the right side as well.","start":1435.55,"end":1443.73,"sentiment":"neutral","sentiment_score":0.12999158644157907},{"text":"Referring back to that high growth portfolio, this is where you have your kind of top four.","start":1444.3251,"end":1449.4451,"sentiment":"neutral","sentiment_score":0.15084530237843008}],"sentiment":"neutral","sentiment_score":0.16842195582864558,"num_words":113,"start":1416.9349,"end":1449.4451},{"sentences":[{"text":"So The US shares, Australian shares, international shares, and property, that forms part of that growth component, which you have about 90% in, and then the bottom three are your defenses.","start":1449.4451,"end":1460.1799,"sentiment":"neutral","sentiment_score":0.12905635804899276},{"text":"Yep.","start":1461.84,"end":1462.24,"sentiment":"neutral","sentiment_score":0.17526420950889587},{"text":"Perfect.","start":1462.24,"end":1462.74,"sentiment":"positive","sentiment_score":0.42603474855422974},{"text":"Now the next document, is that your certificate of currency with Clearview?","start":1463.12,"end":1468.26,"sentiment":"neutral","sentiment_score":0.1123911701142788},{"text":"Yep.","start":1468.72,"end":1469.22,"sentiment":"neutral","sentiment_score":0.09243391454219818}],"sentiment":"neutral","sentiment_score":0.1313733481194662,"num_words":46,"start":1449.4451,"end":1469.22},{"sentences":[{"text":"Yep.","start":1469.6,"end":1470.0,"sentiment":"neutral","sentiment_score":0.1801428496837616},{"text":"Beautiful.","start":1470.0,"end":1470.5,"sentiment":"positive","sentiment_score":0.5139840841293335},{"text":"This one here basically just lets you know that your insurances is all paid and up to date.","start":1471.095,"end":1475.975,"sentiment":"neutral","sentiment_score":0.28411924093961716},{"text":"So it just breaks that down in a little bit more detail for you.","start":1475.975,"end":1478.955,"sentiment":"neutral","sentiment_score":0.222720168530941},{"text":"Yep.","start":1480.455,"end":1480.955,"sentiment":"neutral","sentiment_score":0.14745527505874634}],"sentiment":"neutral","sentiment_score":0.25925174014908925,"num_words":35,"start":1469.6,"end":1480.955},{"sentences":[{"text":"Now next one is that you owe OQ guide.","start":1481.335,"end":1486.05,"sentiment":"neutral","sentiment_score":0.05349801480770111},{"text":"Yes.","start":1487.4701,"end":1487.9701,"sentiment":"neutral","sentiment_score":0.04795229434967041},{"text":"So you probably have seen this one a couple of times before.","start":1488.1901,"end":1491.65,"sentiment":"neutral","sentiment_score":0.04428144730627537},{"text":"It is one of those compliance documents, but it does give you all the important information regarding us here at OQ.","start":1491.87,"end":1498.755,"sentiment":"neutral","sentiment_score":0.11217179521918297},{"text":"None of the important information has changed, but we've had a bit of an extension to the team, which is great.","start":1500.015,"end":1506.355,"sentiment":"neutral","sentiment_score":0.17889333693754106}],"sentiment":"neutral","sentiment_score":0.11208093079039827,"num_words":64,"start":1481.335,"end":1506.355},{"sentences":[{"text":"Also, a bit of an updated marketing.","start":1506.655,"end":1508.755,"sentiment":"neutral","sentiment_score":0.035744029230305126},{"text":"But if you do scroll through, you will see the directors, all our advices.","start":1508.895,"end":1514.46,"sentiment":"neutral","sentiment_score":0.07267003506422043},{"text":"And if you do scroll through page 10, you will then see myself as well if you do wanna put a phrase to voice.","start":1514.9199,"end":1522.86,"sentiment":"neutral","sentiment_score":0.0777130958934625},{"text":"Yep.","start":1524.0399,"end":1524.44,"sentiment":"neutral","sentiment_score":0.21867643296718595},{"text":"Beautiful.","start":1524.44,"end":1524.94,"sentiment":"positive","sentiment_score":0.5440826416015625}],"sentiment":"neutral","sentiment_score":0.08288217173453341,"num_words":47,"start":1506.655,"end":1524.94},{"sentences":[{"text":"And I do think you spoke to my colleague, Dana, last year as well, which is just right next to me.","start":1525.245,"end":1529.905,"sentiment":"neutral","sentiment_score":0.10092810168862343},{"text":"So yeah.","start":1531.565,"end":1532.225,"sentiment":"neutral","sentiment_score":0.06210635229945183},{"text":"And now next document for me, is that your ongoing service agreement, or or what can you see on your end?","start":1532.285,"end":1540.86,"sentiment":"neutral","sentiment_score":0.05701926350593567},{"text":"Yep.","start":1545.5,"end":1545.9,"sentiment":"neutral","sentiment_score":0.19571302831172943},{"text":"So this is one if you're happy to do so, it will ask for your signature.","start":1545.9,"end":1549.6799,"sentiment":"neutral","sentiment_score":0.20262571889907122}],"sentiment":"neutral","sentiment_score":0.11276773613740186,"num_words":61,"start":1525.245,"end":1549.6799},{"sentences":[{"text":"It is a compliance form, basically, just to say that we are keeping your tax fund number secure and safe on file.","start":1549.9,"end":1557.785,"sentiment":"neutral","sentiment_score":0.22058508308096367},{"text":"Yep.","start":1557.785,"end":1558.285,"sentiment":"neutral","sentiment_score":-0.0931386798620224},{"text":"Yeah.","start":1559.2251,"end":1559.7251,"sentiment":"neutral","sentiment_score":0.17390598356723783},{"text":"Perfect.","start":1561.145,"end":1561.645,"sentiment":"positive","sentiment_score":0.507642924785614},{"text":"And then there should be one more after that.","start":1565.625,"end":1568.505,"sentiment":"neutral","sentiment_score":0.1813283157017496}],"sentiment":"neutral","sentiment_score":0.20803637934081695,"num_words":34,"start":1549.9,"end":1568.505},{"sentences":[{"text":"That, again, it will also ask for your signature if you are happy with that, and let me know when you can see that just so I can explain it.","start":1568.505,"end":1575.06,"sentiment":"neutral","sentiment_score":0.14991615849236647},{"text":"Yes.","start":1578.64,"end":1579.04,"sentiment":"positive","sentiment_score":0.3595869541168213},{"text":"So that one here, same as last year, is just to say that you are happy to stay on as a client.","start":1579.04,"end":1585.78,"sentiment":"positive","sentiment_score":0.5444133308800784},{"text":"Now, Anthony, I do wanna let you know as well that there's been no changes whatsoever in regards to the fee structure.","start":1586.475,"end":1593.0549,"sentiment":"neutral","sentiment_score":0.21207162365317345},{"text":"That stays exactly the same at 1.65 from superannuation, so no changes there.","start":1593.355,"end":1600.1001,"sentiment":"neutral","sentiment_score":0.2782625750853465}],"sentiment":"neutral","sentiment_score":0.2854222066446461,"num_words":88,"start":1568.505,"end":1600.1001},{"sentences":[{"text":"And it is not a lock in contract.","start":1600.1001,"end":1602.1001,"sentiment":"neutral","sentiment_score":0.08878253120929003},{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":1602.1001,"end":1606.28,"sentiment":"neutral","sentiment_score":0.03624912123713228},{"text":"But, basically, otherwise, by signing this, it allows us to manage your investments and your accounts and everything for you until next annual review where then you will be asked to sign another one just to make sure, again, you are happy with everything.","start":1606.9,"end":1619.635,"sentiment":"neutral","sentiment_score":0.31814373115246947},{"text":"And it will ask for your, yeah, date and signature.","start":1622.3351,"end":1626.62,"sentiment":"neutral","sentiment_score":0.08073192313313485},{"text":"And then it should say validate.","start":1628.92,"end":1631.34,"sentiment":"neutral","sentiment_score":0.055530777821938195}],"sentiment":"neutral","sentiment_score":0.19187875001063182,"num_words":86,"start":1600.1001,"end":1631.34},{"sentences":[{"text":"Yep.","start":1632.04,"end":1632.54,"sentiment":"neutral","sentiment_score":0.06971166282892227},{"text":"Yep.","start":1637.0,"end":1637.4,"sentiment":"neutral","sentiment_score":0.06265643239021301},{"text":"No.","start":1637.4,"end":1637.64,"sentiment":"neutral","sentiment_score":0.06682324409484863},{"text":"That is all good.","start":1637.64,"end":1639.355,"sentiment":"neutral","sentiment_score":0.16605249419808388},{"text":"That should be all good.","start":1644.535,"end":1645.495,"sentiment":"positive","sentiment_score":0.4377679228782654}],"sentiment":"neutral","sentiment_score":0.25435341087480384,"num_words":12,"start":1632.04,"end":1645.495},{"sentences":[{"text":"Perfect.","start":1645.495,"end":1645.815,"sentiment":"positive","sentiment_score":0.49352431297302246},{"text":"So I'm sure that comes through to me shortly.","start":1645.815,"end":1647.835,"sentiment":"neutral","sentiment_score":0.2537534683942795},{"text":"Now I do also wanna triple check for you the beneficiary we have on file.","start":1648.455,"end":1654.6299,"sentiment":"neutral","sentiment_score":0.142613356312116},{"text":"So that is just if something were to happen to you just so that we do have the right person nominated.","start":1654.7699,"end":1661.9099,"sentiment":"neutral","sentiment_score":0.07269960624121484},{"text":"Now apologies if I mispronounced the name, but I have Yes.","start":1663.215,"end":1673.135,"sentiment":"neutral","sentiment_score":-0.03194499693133614}],"sentiment":"neutral","sentiment_score":0.10687373049165073,"num_words":57,"start":1645.495,"end":1673.135},{"sentences":[{"text":"Beautiful.","start":1673.135,"end":1673.635,"sentiment":"positive","sentiment_score":0.4153844118118286},{"text":"That's still correct?","start":1673.695,"end":1674.755,"sentiment":"neutral","sentiment_score":0.1487842450539271},{"text":"Yep.","start":1676.4149,"end":1676.735,"sentiment":"positive","sentiment_score":0.35210976004600525},{"text":"Perfect.","start":1676.735,"end":1677.215,"sentiment":"positive","sentiment_score":0.7161215543746948},{"text":"So, yeah, that's all in place.","start":1677.215,"end":1678.68,"sentiment":"positive","sentiment_score":0.4447422871987025}],"sentiment":"positive","sentiment_score":0.38320184871554375,"num_words":12,"start":1673.135,"end":1678.68},{"sentences":[{"text":"It is nonlapsing, which means that it stays in place until you decide to change it.","start":1678.76,"end":1683.4,"sentiment":"neutral","sentiment_score":0.2553520589135587},{"text":"So that is all good.","start":1683.4,"end":1684.9401,"sentiment":"positive","sentiment_score":0.4846340298652649},{"text":"Basically, obviously, like I said, I will send you that record of the device in the next couple of days just for your reference.","start":1686.2001,"end":1692.12,"sentiment":"neutral","sentiment_score":0.24100633027652898},{"text":"Like I said, you don't need to sign it or anything just to say that we are doing that one investment change for you.","start":1692.12,"end":1698.185,"sentiment":"neutral","sentiment_score":0.17555765248835087},{"text":"But do you have any other questions or or anything else from me, Anthony, before I let you go and enjoy the rest of your afternoon?","start":1698.485,"end":1704.985,"sentiment":"neutral","sentiment_score":0.23334875158392465}],"sentiment":"neutral","sentiment_score":0.2376148023103413,"num_words":95,"start":1678.76,"end":1704.985},{"sentences":[{"text":"Perfect.","start":1709.15,"end":1709.65,"sentiment":"positive","sentiment_score":0.5854065418243408},{"text":"If you do, though, you know, don't hesitate to ever just give us a call or or send me an email as well, if there's anything that you do need.","start":1710.19,"end":1718.21,"sentiment":"neutral","sentiment_score":0.1748614956935247},{"text":"No worries.","start":1719.965,"end":1720.365,"sentiment":"neutral","sentiment_score":0.32991795241832733},{"text":"Well, thank you so much for your time today, Anthony.","start":1720.365,"end":1722.125,"sentiment":"positive","sentiment_score":0.812470406293869},{"text":"It was lovely speaking with you.","start":1722.125,"end":1723.825,"sentiment":"positive","sentiment_score":0.9154329895973206}],"sentiment":"positive","sentiment_score":0.41037529220386426,"num_words":49,"start":1709.15,"end":1723.825},{"sentences":[{"text":"And anything you need, just give us a call.","start":1723.885,"end":1726.145,"sentiment":"positive","sentiment_score":0.42231442199812996},{"text":"No worries.","start":1728.125,"end":1728.605,"sentiment":"neutral","sentiment_score":0.25464729964733124},{"text":"We'll speak soon.","start":1728.605,"end":1729.665,"sentiment":"neutral","sentiment_score":0.25874803960323334},{"text":"Okay.","start":1730.765,"end":1731.245,"sentiment":"neutral","sentiment_score":0.121137797832489},{"text":"Bye.","start":1731.245,"end":1731.745,"sentiment":"neutral","sentiment_score":-0.09892631322145462}],"sentiment":"neutral","sentiment_score":0.3192862500436604,"num_words":16,"start":1723.885,"end":1731.745}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Oh, good. How are you? Yep. Yep. Can you hear me? Yep. Yep. Yeah. It's 02/06/1994, Anthony George Medina. 5 Slash 38 To 40 Premier Street. Congrat 2217. Yeah. Good. Good. Always busy. Not that I can think of, to be honest. Yeah. Yep. Yeah. That's correct. Yes. I've got a new I'm working for a new company now. The new employer is City Facilities Management. City FM. In April. Yeah. It's good. It's a bit of a pay rise, so I can't complain. The new income? I can check that out. It's I know it works out to 60.37 is my hourly rate, and I've got thirty eight hour or weeks. 60.37. Pre tax. Yep. Yeah. Full time. Full time, thirty eight hours. I believe it would be the same. Yes. The same. Yeah. I did on the last financial year, but I haven't got it set up. It it was more because I got a bit of a payout because I had a bit of annual leave So just to avoid the tax, I did put about 4,500 last financial year, but at the at the moment, there's no plans for this financial year. No. Yep. Yep. I'd say that's about right. It might be a little bit more, but and I guess to be honest, yeah, it'd be similar to that, I'd say. It'll be less now, but let me check that. 4493 5. Yeah. It's at $2.94 now. Well, that's a car. Yes. Yeah. Nothing. I like that. Yeah. I mean, I guess that would've depreciated. I wouldn't know how much it would be worth now, but with natural depreciation. Yeah. I'll double check, but I think that's about right. It's probably gone, but then I did lose a bit on the crypto because I've got scammed, to be honest. I was a bit silly to trust. But anyway I yeah. I I it I I'd say maybe the crypto would be, like, 2.5. And the hold on. I'll just check. It's 6 oh, okay. 6 it started at $6.01 50, the sales. Yep. Correct. No. Nothing major other than cold things. No. I don't. And I know if I said that last year that I should get that sorted, and I haven't done it. Oh, yeah. Yeah. That would that would be good. I didn't really have anyone that I had in mind. Yeah. Yes. Yep. Yeah. That's still the plan. It's just got a bit yeah. Everything's sort of a bit of a big year. Lot lot of things happen, but that is sort of the the plan, either a villa or a town, at least an upgrade from a away from apartments. I wouldn't say anything that I could think of at the moment. Yep. Mhmm. Yeah. Mhmm. Yes. Yes. Yeah. I'm sorry. Yeah. Well, I guess with inflation, it's probably not much anymore. Is it 600? Living costs. I I mean, I guess if I don't have a mortgage or anything then I mean, yeah. Yeah. Probably, like yeah. I I guess so. Or maybe even, like, $7.50, but yeah. Probably probably high or moderate like it yeah. What was it at last time? Yeah. Yeah. Yeah. I think that's good. Yep. If the prices if the prices went down, like the shares and everything, I would be probably wanting to put more into that just so when it does go up because I'm I'm sure eventually with the market, things will just continuously go up even if it takes a couple of years. I'm guessing that's sort of yeah. Yeah. Yeah. So for, yeah, for the moment, I would do that because I'm not I'm obviously not close to retiring, so I have the time to weigh it out. Yep. Yeah. Yes. Mhmm. Yes. Yes. Yep. Yep. I'm happy with that. I've just pulled over. Mhmm. Yes. I see that. Mhmm. Mhmm. Yep. Yes. Yep. Mhmm. No. I think that's still good. Yep. Mhmm. Yep. Yeah. Yeah. I'm so happy. Yes. Mhmm. Yep. Which one? I've I've actually actually gone to the next document accidentally, but I did see that before. Yeah. Yes. Mhmm. Yep. Yeah. Yep. I've heard of it. I wouldn't say I'm well understanding what it is. But yeah. Yep. Mhmm. Corporate yeah. Okay. Yeah. Yeah. I do know them. Mhmm. Mhmm. Yeah. Mhmm. I've heard of it. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Yeah. I'm happy with that. Mhmm. Yep. Yep. It does. Yes. What is that? Yeah. Yeah. I think we looked at it last time. Mhmm. Yep. Yep. Yes. Clearview. Yep. Awesome. Yes. It is. Mhmm. Mhmm. Yeah. Yeah. Cool. Awesome. Yeah. Oh, there you go. Option to provide tax file number. Oakview Financial. Mhmm. Yep. I can't see why not. One moment. Yeah. It's content to new ongoing fee arrangement. Yes. Yep. That's done. Okay. Just loading. Validate. So I've clicked that, and it's just saying loading at the moment. Yep. You yep. That's all done. Yep. Mhmm. Yep. Yeah. Jen Jen. Yep. Yep. Correct. Yep. Mhmm. Not that I can think of, but Yeah. All good. Yep. Awesome. Yep. Awesome. Thank you very much. Okay. 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Yes. Oh, good. How are you? Yep.\n\nYep. Can you hear me? Yep. Yep. Yeah.\n\nIt's 02/06/1994, Anthony George Medina. 5 Slash 38 To 40 Premier Street. Congrat 2217. Yeah. Good.\n\nGood. Always busy. Not that I can think of, to be honest. Yeah. Yep.\n\nYeah. That's correct. Yes. I've got a new I'm working for a new company now. The new employer is City Facilities Management.\n\nCity FM. In April. Yeah. It's good. It's a bit of a pay rise, so I can't complain.\n\nThe new income? I can check that out. It's I know it works out to 60.37 is my hourly rate, and I've got thirty eight hour or weeks. 60.37. Pre tax.\n\nYep. Yeah. Full time. Full time, thirty eight hours. I believe it would be the same.\n\nYes. The same. Yeah. I did on the last financial year, but I haven't got it set up. It it was more because I got a bit of a payout because I had a bit of annual leave So just to avoid the tax, I did put about 4,500 last financial year, but at the at the moment, there's no plans for this financial year.\n\nNo. Yep. Yep. I'd say that's about right. It might be a little bit more, but and I guess to be honest, yeah, it'd be similar to that, I'd say.\n\nIt'll be less now, but let me check that. 4493 5. Yeah. It's at $2.94 now. Well, that's a car.\n\nYes. Yeah. Nothing. I like that. Yeah.\n\nI mean, I guess that would've depreciated. I wouldn't know how much it would be worth now, but with natural depreciation. Yeah. I'll double check, but I think that's about right. It's probably gone, but then I did lose a bit on the crypto because I've got scammed, to be honest.\n\nI was a bit silly to trust. But anyway I yeah. I I it I I'd say maybe the crypto would be, like, 2.5. And the hold on. I'll just check.\n\nIt's 6 oh, okay. 6 it started at $6.01 50, the sales. Yep. Correct. No.\n\nNothing major other than cold things. No. I don't. And I know if I said that last year that I should get that sorted, and I haven't done it. Oh, yeah.\n\nYeah. That would that would be good. I didn't really have anyone that I had in mind. Yeah. Yes.\n\nYep. Yeah. That's still the plan. It's just got a bit yeah. Everything's sort of a bit of a big year.\n\nLot lot of things happen, but that is sort of the the plan, either a villa or a town, at least an upgrade from a away from apartments. I wouldn't say anything that I could think of at the moment. Yep. Mhmm. Yeah.\n\nMhmm. Yes. Yes. Yeah. I'm sorry.\n\nYeah. Well, I guess with inflation, it's probably not much anymore. Is it 600? Living costs. I I mean, I guess if I don't have a mortgage or anything then I mean, yeah.\n\nYeah. Probably, like yeah. I I guess so. Or maybe even, like, $7.50, but yeah. Probably probably high or moderate like it yeah.\n\nWhat was it at last time? Yeah. Yeah. Yeah. I think that's good.\n\nYep. If the prices if the prices went down, like the shares and everything, I would be probably wanting to put more into that just so when it does go up because I'm I'm sure eventually with the market, things will just continuously go up even if it takes a couple of years. I'm guessing that's sort of yeah. Yeah. Yeah.\n\nSo for, yeah, for the moment, I would do that because I'm not I'm obviously not close to retiring, so I have the time to weigh it out. Yep. Yeah. Yes. Mhmm.\n\nYes. Yes. Yep. Yep. I'm happy with that.\n\nI've just pulled over. Mhmm. Yes. I see that. Mhmm.\n\nMhmm. Yep. Yes. Yep. Mhmm.\n\nNo. I think that's still good. Yep. Mhmm. Yep.\n\nYeah. Yeah. I'm so happy. Yes. Mhmm.\n\nYep. Which one? I've I've actually actually gone to the next document accidentally, but I did see that before. Yeah. Yes.\n\nMhmm. Yep. Yeah. Yep. I've heard of it.\n\nI wouldn't say I'm well understanding what it is. But yeah. Yep. Mhmm. Corporate yeah.\n\nOkay. Yeah. Yeah. I do know them. Mhmm.\n\nMhmm. Yeah. Mhmm. I've heard of it. Yep.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nYep. Yeah. I'm happy with that. Mhmm. Yep.\n\nYep. It does. Yes. What is that? Yeah.\n\nYeah. I think we looked at it last time. Mhmm. Yep. Yep.\n\nYes. Clearview. Yep. Awesome. Yes.\n\nIt is. Mhmm. Mhmm. Yeah. Yeah.\n\nCool. Awesome. Yeah. Oh, there you go. Option to provide tax file number.\n\nOakview Financial. Mhmm. Yep. I can't see why not. One moment.\n\nYeah. It's content to new ongoing fee arrangement. Yes. Yep. That's done.\n\nOkay. Just loading. Validate. So I've clicked that, and it's just saying loading at the moment. Yep.\n\nYou yep. That's all done. Yep. Mhmm. Yep.\n\nYeah. Jen Jen. Yep. Yep. Correct.\n\nYep. Mhmm. Not that I can think of, but Yeah. All good. Yep.\n\nAwesome. Yep. Awesome. Thank you very much. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.04987984895706177},{"text":"Yes.","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.16712000966072085},{"text":"Oh, good.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.3651161640882492},{"text":"How are you?","start":8.96,"end":9.7,"sentiment":"neutral","sentiment_score":0.27141129473845166},{"text":"Yep.","start":16.875,"end":17.375,"sentiment":"neutral","sentiment_score":0.04103253036737442}],"sentiment":"neutral","sentiment_score":0.2253123251721263,"num_words":8,"start":0.64,"end":17.375},{"sentences":[{"text":"Yep.","start":26.795,"end":27.195,"sentiment":"neutral","sentiment_score":-0.015756070613861084},{"text":"Can you hear 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yeah.","start":1226.385,"end":1227.345,"sentiment":"neutral","sentiment_score":-0.06009769160300493}],"sentiment":"neutral","sentiment_score":-0.10554973942538103,"num_words":15,"start":1185.89,"end":1227.345},{"sentences":[{"text":"Okay.","start":1227.345,"end":1227.845,"sentiment":"neutral","sentiment_score":-0.015526726841926576},{"text":"Yeah.","start":1228.145,"end":1228.625,"sentiment":"neutral","sentiment_score":-0.015017141588032246},{"text":"Yeah.","start":1228.625,"end":1228.865,"sentiment":"neutral","sentiment_score":-0.020192425698041916},{"text":"I do know 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happy with that.","start":1367.705,"end":1368.765,"sentiment":"positive","sentiment_score":0.379463829100132},{"text":"Mhmm.","start":1379.97,"end":1380.47,"sentiment":"neutral","sentiment_score":0.04493160918354988},{"text":"Yep.","start":1389.1699,"end":1389.6699,"sentiment":"neutral","sentiment_score":0.09166458249092102}],"sentiment":"neutral","sentiment_score":0.251449013594538,"num_words":8,"start":1367.145,"end":1389.6699},{"sentences":[{"text":"Yep.","start":1397.815,"end":1398.0549,"sentiment":"neutral","sentiment_score":0.06918998062610626},{"text":"It does.","start":1398.0549,"end":1398.715,"sentiment":"neutral","sentiment_score":0.09027210623025894},{"text":"Yes.","start":1405.83,"end":1406.33,"sentiment":"neutral","sentiment_score":0.06208591908216477},{"text":"What is that?","start":1406.63,"end":1406.7899,"sentiment":"neutral","sentiment_score":0.038306100914875664},{"text":"Yeah.","start":1406.7899,"end":1407.2899,"sentiment":"neutral","sentiment_score":0.02850663475692272}],"sentiment":"neutral","sentiment_score":0.05690563120879233,"num_words":8,"start":1397.815,"end":1407.2899},{"sentences":[{"text":"Yeah.","start":1410.71,"end":1410.8699,"sentiment":"neutral","sentiment_score":0.02464383654296398},{"text":"I think we looked at it last 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is.","start":1483.6162,"end":1487.2476,"sentiment":"neutral","sentiment_score":0.02841486781835556},{"text":"Mhmm.","start":1489.8788,"end":1490.3788,"sentiment":"neutral","sentiment_score":0.034978412091732025},{"text":"Mhmm.","start":1506.77,"end":1507.27,"sentiment":"neutral","sentiment_score":0.04965981841087341},{"text":"Yeah.","start":1523.11,"end":1523.59,"sentiment":"neutral","sentiment_score":0.08607883006334305},{"text":"Yeah.","start":1523.59,"end":1523.83,"sentiment":"neutral","sentiment_score":0.14019706845283508}],"sentiment":"neutral","sentiment_score":0.061290644109249115,"num_words":6,"start":1483.6162,"end":1523.83},{"sentences":[{"text":"Cool.","start":1523.83,"end":1524.33,"sentiment":"neutral","sentiment_score":0.2500301003456116},{"text":"Awesome.","start":1524.63,"end":1525.13,"sentiment":"positive","sentiment_score":0.4623846411705017},{"text":"Yeah.","start":1528.5499,"end":1529.0499,"sentiment":"neutral","sentiment_score":0.06768494844436646},{"text":"Oh, there you go.","start":1529.9099,"end":1531.13,"sentiment":"neutral","sentiment_score":0.07122104521840811},{"text":"Option to provide tax file number.","start":1541.155,"end":1543.555,"sentiment":"neutral","sentiment_score":0.02297812110433976}],"sentiment":"neutral","sentiment_score":0.09252712288155006,"num_words":13,"start":1523.83,"end":1543.555},{"sentences":[{"text":"Oakview Financial.","start":1543.555,"end":1544.615,"sentiment":"neutral","sentiment_score":0.04545852728188038},{"text":"Mhmm.","start":1550.39,"end":1550.89,"sentiment":"neutral","sentiment_score":0.14724045991897583},{"text":"Yep.","start":1556.79,"end":1557.29,"sentiment":"neutral","sentiment_score":0.10424982756376266},{"text":"I can't see why not.","start":1557.51,"end":1558.73,"sentiment":"neutral","sentiment_score":-0.09124629348516464},{"text":"One moment.","start":1558.845,"end":1566.8374,"sentiment":"neutral","sentiment_score":0.15193442441523075}],"sentiment":"neutral","sentiment_score":0.017276793041012505,"num_words":11,"start":1543.555,"end":1566.8374},{"sentences":[{"text":"Yeah.","start":1574.07,"end":1574.57,"sentiment":"neutral","sentiment_score":0.05565740540623665},{"text":"It's content to new ongoing fee arrangement.","start":1574.87,"end":1577.61,"sentiment":"neutral","sentiment_score":0.08008085563778877},{"text":"Yes.","start":1593.565,"end":1594.065,"sentiment":"neutral","sentiment_score":0.24514666199684143},{"text":"Yep.","start":1619.9451,"end":1620.4451,"sentiment":"neutral","sentiment_score":0.13845930993556976},{"text":"That's done.","start":1622.505,"end":1623.145,"sentiment":"neutral","sentiment_score":0.11083721369504929}],"sentiment":"neutral","sentiment_score":0.10179198284943898,"num_words":12,"start":1574.07,"end":1623.145},{"sentences":[{"text":"Okay.","start":1623.145,"end":1623.645,"sentiment":"neutral","sentiment_score":0.05730731040239334},{"text":"Just loading.","start":1629.21,"end":1629.95,"sentiment":"neutral","sentiment_score":0.05342554673552513},{"text":"Validate.","start":1630.8099,"end":1631.3099,"sentiment":"neutral","sentiment_score":0.07067237794399261},{"text":"So I've clicked that, and it's just saying loading at the moment.","start":1633.53,"end":1636.51,"sentiment":"neutral","sentiment_score":0.04791505945225557},{"text":"Yep.","start":1642.01,"end":1642.49,"sentiment":"neutral","sentiment_score":0.18469910323619845}],"sentiment":"neutral","sentiment_score":0.05850062344004126,"num_words":17,"start":1623.145,"end":1642.49},{"sentences":[{"text":"You yep.","start":1642.49,"end":1643.37,"sentiment":"neutral","sentiment_score":0.2162419557571411},{"text":"That's all done.","start":1643.37,"end":1644.51,"sentiment":"neutral","sentiment_score":0.28552891810735065},{"text":"Yep.","start":1655.1151,"end":1655.6151,"sentiment":"neutral","sentiment_score":0.08629422634840012},{"text":"Mhmm.","start":1658.635,"end":1659.135,"sentiment":"neutral","sentiment_score":0.059036027640104294},{"text":"Yep.","start":1669.6499,"end":1670.1499,"sentiment":"neutral","sentiment_score":-0.008569296449422836}],"sentiment":"neutral","sentiment_score":0.17822895292192698,"num_words":8,"start":1642.49,"end":1670.1499},{"sentences":[{"text":"Yeah.","start":1670.69,"end":1671.19,"sentiment":"neutral","sentiment_score":0.05321483686566353},{"text":"Jen Jen.","start":1671.33,"end":1672.065,"sentiment":"neutral","sentiment_score":0.05820945277810097},{"text":"Yep.","start":1673.5049,"end":1674.0049,"sentiment":"neutral","sentiment_score":0.1875324249267578},{"text":"Yep.","start":1675.4249,"end":1675.9049,"sentiment":"neutral","sentiment_score":0.054537054151296616},{"text":"Correct.","start":1675.9049,"end":1676.4049,"sentiment":"neutral","sentiment_score":0.3201441764831543}],"sentiment":"neutral","sentiment_score":0.12197456633051236,"num_words":6,"start":1670.69,"end":1676.4049},{"sentences":[{"text":"Yep.","start":1683.9049,"end":1684.4049,"sentiment":"positive","sentiment_score":0.3979610800743103},{"text":"Mhmm.","start":1694.89,"end":1695.39,"sentiment":"neutral","sentiment_score":0.11763764917850494},{"text":"Not that I can think of, but Yeah.","start":1705.775,"end":1708.895,"sentiment":"neutral","sentiment_score":0.02674497500993311},{"text":"All good.","start":1708.895,"end":1709.635,"sentiment":"positive","sentiment_score":0.5763938128948212},{"text":"Yep.","start":1716.55,"end":1717.05,"sentiment":"neutral","sentiment_score":0.1662089079618454}],"sentiment":"neutral","sentiment_score":0.1575811586987514,"num_words":13,"start":1683.9049,"end":1717.05},{"sentences":[{"text":"Awesome.","start":1723.4299,"end":1723.83,"sentiment":"positive","sentiment_score":0.8307969570159912},{"text":"Yep.","start":1723.83,"end":1724.33,"sentiment":"positive","sentiment_score":0.4950159192085266},{"text":"Awesome.","start":1726.3099,"end":1726.71,"sentiment":"positive","sentiment_score":0.7500452995300293},{"text":"Thank you very much.","start":1726.71,"end":1727.5769,"sentiment":"positive","sentiment_score":0.7932199835777283},{"text":"Okay.","start":1729.8969,"end":1730.2169,"sentiment":"neutral","sentiment_score":0.1727314591407776}],"sentiment":"positive","sentiment_score":0.6776836961507797,"num_words":8,"start":1723.4299,"end":1730.2169},{"sentences":[{"text":"Bye.","start":1730.2169,"end":1730.7169,"sentiment":"neutral","sentiment_score":0.17251041531562805}],"sentiment":"neutral","sentiment_score":0.17251041531562805,"num_words":1,"start":1730.2169,"end":1730.7169}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. This is Anthony.\n\nChannel 1: Yes.\n\nChannel 0: This is Veronica from HP Financial. How are you?\n\nChannel 1: Oh, good. How are you?\n\nChannel 0: Good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And apologies. I am calling a couple of minutes late. My previous appointment was just running a little bit late.\n\nChannel 1: Yep. Can you hear me?\n\nChannel 0: Yes. Can you hear me okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now, Anthony, before I do go any further, I just need to let you know that our calls are\n\nChannel 1: Yep.\n\nChannel 0: being recorded for quality and coaching purposes, if that's okay. Okay. Yep. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. It's 02/06/1994, Anthony George Medina. 5 Slash 38 To 40 Premier Street.\n\nChannel 0: Perfect. And just the suburb as well, Sri?\n\nChannel 1: Congrat 2217.\n\nChannel 0: Yep. Perfect. And how's your day been so far? I've been busy.\n\nChannel 1: Yeah. Good. Good. Always\n\nChannel 0: Yeah.\n\nChannel 1: busy.\n\nChannel 0: That's good. I'll try not to keep you for too long today, Anthony. But before I do kind of jump into things, I do like to start by asking if there is any specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a kinda catch up and see where everything's at?\n\nChannel 1: Not that I can think of, to be honest.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's all good. If you think of anything, let me know. Otherwise, what I will go through with you first, it's just a bit of an updated fact find just to see if there is anything major that kind of changed in your life, if we do need to make any tweaks and changes to your advice at all. So just kind of bear with me as I run through this information with you.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to your personal information, I have you down here as that you are in a de facto relationship, dependent. Is that correct?\n\nChannel 1: Yeah. That's\n\nChannel 0: Yep. Beautiful. Now employment wise, still working as an electrician?\n\nChannel 1: correct. Yes.\n\nChannel 0: Yep. Perfect. So same company, or has anything changed in the last twelve\n\nChannel 1: I've got a new I'm working for a new company\n\nChannel 0: months?\n\nChannel 1: now.\n\nChannel 0: Yep. And what's the new employer?\n\nChannel 1: The new employer is City Facilities Management.\n\nChannel 0: And\n\nChannel 1: City\n\nChannel 0: when\n\nChannel 1: FM.\n\nChannel 0: did you start? Oh, serious. Yep. And when did you start there?\n\nChannel 1: In April.\n\nChannel 0: Yep. And enjoying it so far?\n\nChannel 1: Yeah. It's good. It's a\n\nChannel 0: Yes.\n\nChannel 1: bit of a pay rise, so\n\nChannel 0: Oh, nice.\n\nChannel 1: I\n\nChannel 0: And what's\n\nChannel 1: can't\n\nChannel 0: the the new income for\n\nChannel 1: complain.\n\nChannel 0: you?\n\nChannel 1: The\n\nChannel 0: Yes.\n\nChannel 1: new income? I can check that out. It's I know it works out to 60.37 is my hourly rate, and I've got thirty eight hour or weeks.\n\nChannel 0: Okay. So thirty eight hours per week, you said. And what was your hourly rate?\n\nChannel 1: 60.37.\n\nChannel 0: Sixty three seven. And that will be for tax, I assume?\n\nChannel 1: Pre tax.\n\nChannel 0: Like,\n\nChannel 1: Yep.\n\nChannel 0: before before yeah. Perfect. Okay. And how many are you doing five days a week, like, full time?\n\nChannel 1: Yeah. Full time.\n\nChannel 0: Yep.\n\nChannel 1: Full\n\nChannel 0: Yep.\n\nChannel 1: time,\n\nChannel 0: Great.\n\nChannel 1: thirty eight hours.\n\nChannel 0: Yep. Perfect. No. That's all good. I can work with that.\n\nAnd in terms of contributions and stuff from your new employer, are they still kind of under the same agreement, so that minimum 5% contribution, or do they have, like, a special enterprise bargain agreement or additional entitlements or anything like that?\n\nChannel 1: I believe it would be the same. Yes. The\n\nChannel 0: Is\n\nChannel 1: same.\n\nChannel 0: it yeah. Perfect. Often as well, is there is there, like, an EBA in place or anything like that? They they tend to let you know if they're paying a\n\nChannel 1: Yeah.\n\nChannel 0: little bit extra. So that's all good. And you're making any additional contributions, are you? Is that from your employer?\n\nChannel 1: I did on the last financial year,\n\nChannel 0: Yep.\n\nChannel 1: but I haven't got it set up. It it was more because I got a bit of a payout because I had a bit of annual leave\n\nChannel 0: Yep.\n\nChannel 1: So just to avoid the tax, I did put about 4,500 last\n\nChannel 0: Yes.\n\nChannel 1: financial year, but\n\nChannel 0: Yep.\n\nChannel 1: at the at the moment, there's no plans for this financial year. No.\n\nChannel 0: Okay. Perfect. If you do, obviously, let us know same as same as what you did. If you wanted to if you do as after obviously, after tax contributions and you wanna claim that NOI, same as, obviously, the conversation you had with my colleague, Larissa, not too long ago. Just\n\nChannel 1: Yep.\n\nChannel 0: let us know, obviously, if if that is ever the situation.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Asset wise, I have here your main property was last valued at about $7.80. Is that still the case? Would you know if that went up a little bit?\n\nOr\n\nChannel 1: I'd say that's about right. It might be a little bit more, but and I guess to be honest,\n\nChannel 0: like, rough\n\nChannel 1: yeah,\n\nChannel 0: yeah. Perfect.\n\nChannel 1: it'd be similar\n\nChannel 0: And\n\nChannel 1: to that, I'd say.\n\nChannel 0: yeah. Great. And about $5.14 owing\n\nChannel 1: It'll be less\n\nChannel 0: on\n\nChannel 1: now,\n\nChannel 0: the mortgage.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: let me check that.\n\nChannel 0: Okay. Like, $4.90, or do you want me to leave\n\nChannel 1: 4493\n\nChannel 0: it\n\nChannel 1: 5.\n\nChannel 0: at 5? Or 495. Beautiful. Thank you so much. I also have here that you have an offset at about 230,000 in there.\n\nChannel 1: Yeah. It's at $2.94 now.\n\nChannel 0: Oh, nice. 94. Do you also still have the motor vehicle provided at about 30,000?\n\nChannel 1: Well, that's a car.\n\nChannel 0: Yes.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yeah. And you don't have anything owing on the on the car, do you?\n\nChannel 1: Nothing. I like that.\n\nChannel 0: No. Great. Do you also have the 4,000 yes. Sorry?\n\nChannel 1: Yeah. I mean, I guess that would've depreciated. I wouldn't know how much it would be worth now, but\n\nChannel 0: Yeah. No. That's\n\nChannel 1: with\n\nChannel 0: okay.\n\nChannel 1: natural depreciation.\n\nChannel 0: Yeah. Most people always sound like, oh, I bought it for about this, but I'm not really sure, which is totally fine. Now I also have here that you have about $4,000 worth of shares and 4,000 worth of crypto. Is that still the case?\n\nChannel 1: Yeah. I'll double check, but I think that's about right. It's probably gone, but then I did lose a bit on the crypto because I've got scammed, to be honest.\n\nChannel 0: Oh, really?\n\nChannel 1: I was a bit silly to trust. But anyway\n\nChannel 0: Yeah. Do you still have some in that,\n\nChannel 1: I\n\nChannel 0: or did you kind of exit\n\nChannel 1: yeah.\n\nChannel 0: out of it?\n\nChannel 1: I I it I I'd say maybe the crypto would be, like, 2.5.\n\nChannel 0: Yep.\n\nChannel 1: And the hold on. I'll just check. It's 6 oh, okay. 6 it started at $6.01 50, the\n\nChannel 0: $6.01 50. Yeah. Okay. Great. Health and lifestyle wise, I have you done here as a nonsmoker,\n\nChannel 1: sales.\n\nChannel 0: if that's the case?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Yep. And have you had any changes to your health at all in the last twelve months? Any significant issues or injuries or anything?\n\nChannel 1: No. Nothing major\n\nChannel 0: No.\n\nChannel 1: other\n\nChannel 0: No.\n\nChannel 1: than cold things.\n\nChannel 0: That's not perfect, but no, like, significant injuries causing you time off work or\n\nChannel 1: No.\n\nChannel 0: anything like that? No. Okay. That's great. And when it comes to estate planning, do you have a will or power of attorney in place or anything\n\nChannel 1: I don't.\n\nChannel 0: like that?\n\nChannel 1: And\n\nChannel 0: No.\n\nChannel 1: I know if I said that last year that I should get that sorted, and I haven't done it.\n\nChannel 0: On the to do list. And when you obviously do wanna have a look at it, do you know someone you can speak through, or would you like us to send you some information and pricing on a firm that we work closely with?\n\nChannel 1: Oh, yeah. Yeah. That would that would be good.\n\nChannel 0: Yeah?\n\nChannel 1: I didn't really have anyone that I had in mind.\n\nChannel 0: Yeah. Alright. Perfect. Well, what I will do is I will get the team to send you an email just with the the firm that we work closely with, and it has, like, pricing and stuff as well. So that gives you kind of a bit of an idea of what it would cost.\n\nAnd if you do look locally as well, you can also use that as a comparison. They are\n\nChannel 1: Yeah.\n\nChannel 0: pretty pretty competitive and good and\n\nChannel 1: Yes.\n\nChannel 0: can have a look at that for you. Now I guess when it comes to kind of goals, the stuff that you are working towards or that you are wanting to achieve, during annual review, it's usually a good kind of time to see, well, what's happened in the last twelve months? How did we go? Is that still the goals? Would you have any new things that you are working towards?\n\nAnd when we spoke to you last time, your main focus was to sell your current unit and buy a a villa, a bit bigger house. Is that still\n\nChannel 1: Yep. Yeah.\n\nChannel 0: kind\n\nChannel 1: That's\n\nChannel 0: of what you\n\nChannel 1: still the plan.\n\nChannel 0: mhmm.\n\nChannel 1: It's just got a bit yeah. Everything's sort of a bit of a big year.\n\nChannel 0: Prices?\n\nChannel 1: Lot lot of things\n\nChannel 0: Yeah.\n\nChannel 1: happen,\n\nChannel 0: Yes.\n\nChannel 1: but that is sort of the the plan, either a villa\n\nChannel 0: Yeah.\n\nChannel 1: or a town, at least an upgrade from a away from apartments.\n\nChannel 0: Yep. Okay. Perfect. And is there anything else that you are focusing on or that you are wanting to achieve in next couple of years or within the next twelve months or anything like that?\n\nChannel 1: I wouldn't say anything that I could think of at the moment.\n\nChannel 0: Yeah. No. That's all good. Next is kind of, I guess, when it comes to your superannuation and how your money is invested. What I will do is just quickly run through that risk profile questionnaire with you, Anthony, just to see if\n\nChannel 1: Yep.\n\nChannel 0: there is anything major that has changed, if we do\n\nChannel 1: Mhmm.\n\nChannel 0: need to make any, like, tweaks and changes to how your money is invested.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, obviously, we do have here that you obviously, it's quite a while away until retirement, but, ideally,\n\nChannel 1: Mhmm.\n\nChannel 0: you would like to access super at 65. Is that still\n\nChannel 1: Yes.\n\nChannel 0: kind of the plan, do you think? You'd work a little bit longer?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I'm sorry. Yeah.\n\nChannel 0: And then an ideal income for you during retirement, I have here at about $600 per week. Do you think that would still be achievable, or do you think you would need a little bit more?\n\nChannel 1: Well, I guess with inflation, it's probably not much anymore. Is it 600?\n\nChannel 0: Yeah. It also obviously depends on how extravagant you want your retirement. And for most people, it's you know, by the time you retire, ideally, you wanna be debt free and not have a mortgage attached. And then it would just kind of be, obviously, like, living expenses\n\nChannel 1: Living\n\nChannel 0: and\n\nChannel 1: costs.\n\nChannel 0: travel. Yeah.\n\nChannel 1: I I mean, I guess if I don't have a mortgage or anything then\n\nChannel 0: And that would just\n\nChannel 1: I mean,\n\nChannel 0: be for you as well. Yeah.\n\nChannel 1: yeah. Yeah. Probably, like yeah. I I guess so. Or maybe even, like, $7.50, but\n\nChannel 0: Yep. I'll put it at $7.50. Perfect. And I guess when it comes\n\nChannel 1: yeah.\n\nChannel 0: to a level of risk that you are comfortable with for your superannuation, obviously, making sure it it grows as much as possible, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation?\n\nChannel 1: Probably probably high or moderate like it yeah.\n\nChannel 0: Yep.\n\nChannel 1: What was it at last time?\n\nChannel 0: Last time you had high. So not like the super high, but you had\n\nChannel 1: Yeah.\n\nChannel 0: high.\n\nChannel 1: Yeah. Yeah. I think\n\nChannel 0: That'll\n\nChannel 1: that's\n\nChannel 0: be fairly\n\nChannel 1: good.\n\nChannel 0: similar. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And if you did see fluctuations in your superannuation due to, obviously, general trends in the market, so not, like, one particular investment that's gone bad, just kind of the market as a whole, would you want to if you had the option to do so, wanna invest a little bit more while the prices are down, kind of be a bit neutral and, like, hold and wait to see what happens to everything, or would you\n\nChannel 1: If\n\nChannel 0: rather\n\nChannel 1: the prices if the prices\n\nChannel 0: Yes.\n\nChannel 1: went down, like the shares\n\nChannel 0: Yes.\n\nChannel 1: and everything,\n\nChannel 0: Yes.\n\nChannel 1: I would be probably wanting to put more into that\n\nChannel 0: Moe?\n\nChannel 1: just so when it does go up because I'm\n\nChannel 0: Yes.\n\nChannel 1: I'm sure eventually with the market, things will just continuously go up even if it takes a couple of years. I'm guessing that's sort of\n\nChannel 0: That's exactly right. So, obviously,\n\nChannel 1: yeah.\n\nChannel 0: when we do look at the market historically, you can see long term, it always goes up. But short term, depending on what is happening, you will have those ups and\n\nChannel 1: Yeah.\n\nChannel 0: downs and market fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: So, yes, that's definitely\n\nChannel 1: So for,\n\nChannel 0: correct.\n\nChannel 1: yeah, for the moment, I would do that\n\nChannel 0: Yep.\n\nChannel 1: because I'm not I'm obviously not close to retiring, so\n\nChannel 0: Yeah.\n\nChannel 1: I have\n\nChannel 0: You\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: time\n\nChannel 0: got\n\nChannel 1: to\n\nChannel 0: time.\n\nChannel 1: weigh it out.\n\nChannel 0: Yes. Well, that basically kind of aligns with a high growth portfolio, which is the portfolio we currently\n\nChannel 1: Yep.\n\nChannel 0: have you invested in. Is that still something that you are comfortable with? Do you kind of understand what it means to be a high growth investor?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Yes. Okay. Perfect. And when we are talking about that time frame, ideally, for making sure you obviously have enough time for those short term fluctuations, we like to see about years until retirement, ideally,\n\nChannel 1: Mhmm.\n\nChannel 0: in a high growth, which you certainly have. So it's definitely a good position to maximize that growth for you. And when it comes to as well kind of how everything is allocated, typically, in a high growth portfolio, we see about that 90% in your growth assets. And that is a combination of, like, Australian shares, international shares, property, and commodities, which is ultimately what is going to grow your super\n\nChannel 1: Yes.\n\nChannel 0: for you. And then about 10% in defensive, like your your cash, your gold, your fixed interest. Just little fluctuations a little bit, and that that main focus is to to grow that as much as possible. Yeah. Perfect.\n\nYou're still happy with that high growth portfolio?\n\nChannel 1: Yes. Yep. Yep. I'm happy with that.\n\nChannel 0: Yep. Okay. Great. Now it does sound like you are deriving at the moment. Is that right?\n\nChannel 1: I've just pulled over.\n\nChannel 0: Ah, okay. Perfect. Because if it's safe for you to do so or if you have time, I have sent you an email with some documents to kind of quickly run through with you if\n\nChannel 1: Mhmm.\n\nChannel 0: you have the option of accessing those for me.\n\nChannel 1: Yes. I see that.\n\nChannel 0: Yep. Perfect. Now we have just changed the software as well. So it might look a little bit different to what you have been used to before. It's\n\nChannel 1: Mhmm.\n\nChannel 0: kind of the same, though, where it will ask you to click on a link to sign, but it will allow you to open up and look at everything first just to make sure that you are happy with everything\n\nChannel 1: Mhmm.\n\nChannel 0: before it prompts you to sign anything.\n\nChannel 1: Yep.\n\nChannel 0: Now let me know if you can see your first and it should say super and insurance summary. Can you see that okay?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. So with that, you can see that you do have your superannuation with hub twenty four. You do have about a 109,399 in there. And then you also have some insurances with Clearview.\n\nChannel 1: Yep.\n\nChannel 0: So for your life and total permanent disability, you have $1,209,901. Now with that level of cover, are you still kind of comfortable with how much you are covered for if something were to happen? Do you wanna make a changes? What are your\n\nChannel 1: Mhmm.\n\nChannel 0: thoughts?\n\nChannel 1: No. I think that's still good.\n\nChannel 0: Yeah. It would obviously pay out the mortgage if something were to happen. And, obviously, if something were to happen and you can't go back to work, it still give a pretty decent amount of income replacement if something were to happen or cover funeral or lump sum expenses.\n\nChannel 1: Yep.\n\nChannel 0: So it's a pretty pretty decent amount. Income protection, you do have a monthly benefit of about $5,159 per month. You\n\nChannel 1: Mhmm.\n\nChannel 0: do have a thirty day waiting period and a five year benefit period.\n\nChannel 1: Yep.\n\nChannel 0: That is all paid from within the suit so within hub twenty four. And after that tax rebate, total premium is $3,029.40. Do you have any questions in regards to your insurances? Are you still happy with that income protection as well?\n\nChannel 1: Yeah. Yeah. I'm so happy.\n\nChannel 0: Yep. Okay. Perfect. Now the next document should be your hub twenty four performance report, I believe.\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. So this one here might look a little bit messy or hard on the phone,\n\nChannel 1: Mhmm.\n\nChannel 0: but it basically breaks down all your individual investments and how they have performed over the last twelve months. So, obviously, during the last twelve months, we have obviously seen some fluctuations in the market. First, everything with, obviously, in The US with Trump and tariffs and everything, you'd see a bit of fluctuation. But, obviously, more\n\nChannel 1: Yep.\n\nChannel 0: recently with the war as well, we have seen a bit of fluctuations. Now if you have a look at the second column to the right, it should say internal rate of return.\n\nChannel 1: Which\n\nChannel 0: Can\n\nChannel 1: one?\n\nChannel 0: you see that?\n\nChannel 1: I've I've actually actually gone to the next document accidentally, but I did see that before.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. No. That's okay. Basically, it breaks down all your individual investments and how they have performed. Now\n\nChannel 1: Yes.\n\nChannel 0: most of them have done pretty good considering the market, which is good. There is two that is down at the moment. One of them I do wanna look at changing for you. The other one is just your your property investment. It is just down slightly by about 10.68%,\n\nChannel 1: Mhmm.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: is kind of understandable given, obviously, what's happening\n\nChannel 1: Yeah.\n\nChannel 0: in the market. So I'm not very concerned with that.\n\nChannel 1: Yep.\n\nChannel 0: The other investment that is kind of underperforming a little bit at the moment is your Benelon Australian Equity Investment. Have you ever heard of that one before while you're quite familiar with managed funds and stuff?\n\nChannel 1: I've heard of it. I wouldn't say I'm well understanding what it is. But\n\nChannel 0: Yeah. No. That's\n\nChannel 1: yeah.\n\nChannel 0: all good. So with the Benelung investment, they are a managed fund. So, basically, how it works is that they are actively trying to buy and sell different investments in order\n\nChannel 1: Yep.\n\nChannel 0: to try to outperform the market. Now they have been very successful in doing so, which is why it was added to your portfolio, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: when you came on board. But more recently, they've been a little bit slower in making those, decisions. But then, also, one of the investments that they had in their portfolio, was the corporate travel group. I'm not sure if you heard anything about\n\nChannel 1: Corporate\n\nChannel 0: them.\n\nChannel 1: yeah. Okay.\n\nChannel 0: Travel group?\n\nChannel 1: Yeah. Yeah. I do know\n\nChannel 0: Yeah.\n\nChannel 1: them.\n\nChannel 0: Yeah. So, obviously, they had a bit of issues with reporting, which obviously caused everything to be suspended and just kind of be be on pause. So that did see a bit of the decline in the investment. So the good thing with hub twenty four is that there is hundreds and hundreds of different options for us to choose from.\n\nChannel 1: Mhmm.\n\nChannel 0: Now we also don't want to be like, if an investment is slightly underperforming temporarily and we foresee coming back around, it's not like we day trade your super. It's obviously a long term investment.\n\nChannel 1: Mhmm.\n\nChannel 0: But at the same time, we also want to be proactive. So if there's an investment that we see not being potentially the best one for you moving forward or there's other options that is going to give you more growth, then we also want to be proactive in making changes.\n\nChannel 1: Yeah.\n\nChannel 0: So with the Benelung investment, the investment committee have done a lot of research on it, and do think that there's another suitable option out there that is going to be a little bit better for you to just kind of swap it out for.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the one that they've looked at a lot is your BetaShares a 200. Have you heard of that?\n\nChannel 1: I've heard of it.\n\nChannel 0: Yeah. So it is obviously a little bit different through your managed fund, but you are kind of actively buying and selling different investments. It is still invested in Australia, though. So if we are taking out one Australian investment, we still wanna make sure that we swap it for a a kind of similar substitute to give you that well rounded diversification. We don't wanna have overexposure to one market or too much underexposure to one market.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: it was finding another Australian investment that was a little bit cheaper, performing a little bit better for you while still giving you that diversification. And\n\nChannel 1: Mhmm.\n\nChannel 0: the BetaShares a 200 came up as one of the most competitive one.\n\nChannel 1: Yep.\n\nChannel 0: Now how that one then works is basically invest in the 200 largest companies listed on the ASX. So, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: very diversified. Gives you all the big banks, BHP, Woolworths. So, again, very diversified option. And, obviously, as the company kind of grows in bigger, added to the 200 and something small kind\n\nChannel 1: Yep.\n\nChannel 0: of comes up.\n\nChannel 1: Yep.\n\nChannel 0: Would you be happy for us to make that one change for you?\n\nChannel 1: Yep. Yeah. I'm happy with that.\n\nChannel 0: Yeah? Okay. Great. Perfect. So what I will do just for your records is that I will send you, in the next couple of days, something that's called a record of advice.\n\nYou don't\n\nChannel 1: Mhmm.\n\nChannel 0: have to sign it. It is just for your reference to say that we have swapped out the Benelon and just replace it straight for the a 200 for you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Okay. Beautiful. If you do have any questions or anything, let me know. But does that kind of all make sense otherwise so far, Anthony?\n\nChannel 1: Yep. It does.\n\nChannel 0: Yeah. Okay. Great. Now the next document, is that your Vanguard index chart? Is that the one you can see at the\n\nChannel 1: Yes.\n\nChannel 0: moment?\n\nChannel 1: What is that?\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Have you ever seen something like this before?\n\nChannel 1: Yeah. I think we looked at it last time.\n\nChannel 0: Yep. So every year, Vanguard does release an updated version. They do it at the end of the financial year, so the next one is due to come out any any day now.\n\nChannel 1: Mhmm.\n\nChannel 0: It's just good because it does show you kind of when we were talking back through the market historically. It shows you that over the long term market always goes up, but short term, you will have those ups and downs and market fluctuation depending on what is going on.\n\nChannel 1: Yep.\n\nChannel 0: This one also shows from 1995 through to 2025, and it breaks down the different asset classes on the right side as well. Referring back to that high growth portfolio, this is where you have your kind of top four. So The US shares, Australian shares, international shares, and property, that forms part of that growth component, which you have about 90% in, and then the bottom three are your defenses.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now the next document, is that your certificate of currency with Clearview?\n\nChannel 1: Yes. Clearview.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. This one here basically just lets you know that your insurances is all paid and up to date. So it just breaks that down in a little bit more detail for you.\n\nChannel 1: Awesome.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Now next one is that\n\nChannel 1: It\n\nChannel 0: you owe OQ guide.\n\nChannel 1: is.\n\nChannel 0: Yes. So you probably have seen this one\n\nChannel 1: Mhmm.\n\nChannel 0: a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important information has changed, but we've had a bit of an extension to the team, which is great. Also,\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of an updated marketing. But if you do scroll through, you will see the directors, all our advices. And if you do scroll through page 10, you will then see myself as well if you do wanna put a phrase to voice.\n\nChannel 1: Yeah. Yeah. Cool.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Awesome.\n\nChannel 0: And I do think you spoke to my colleague, Dana, last year as well, which is\n\nChannel 1: Yeah.\n\nChannel 0: just right next to me.\n\nChannel 1: Oh, there you go.\n\nChannel 0: So yeah. And now next document for me, is that your ongoing service agreement, or or what can you see on your end?\n\nChannel 1: Option to provide tax file number. Oakview Financial.\n\nChannel 0: Yep. So this is one if you're happy to do so, it will ask for your signature. It is\n\nChannel 1: Mhmm.\n\nChannel 0: a compliance form, basically, just to say that we are keeping your tax fund number secure and safe on\n\nChannel 1: Yep.\n\nChannel 0: file.\n\nChannel 1: I can't\n\nChannel 0: Yep.\n\nChannel 1: see why not. One\n\nChannel 0: Yeah. Perfect. And then there should\n\nChannel 1: moment.\n\nChannel 0: be one more after that. That, again, it will also ask for your signature if you are happy with that, and let me know when you can see that just so I can\n\nChannel 1: Yeah.\n\nChannel 0: explain it.\n\nChannel 1: It's content to new ongoing fee arrangement.\n\nChannel 0: Yes. So that one here, same as last year, is just to say that you are happy to stay on as a client. Now, Anthony, I do wanna let you know as well that there's been no changes whatsoever in regards to the fee structure. That\n\nChannel 1: Yes.\n\nChannel 0: stays exactly the same at 1.65 from superannuation, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, otherwise, by signing this, it allows us to manage your investments and your accounts and everything for you until next annual review where then you will be asked to sign another one just to make sure, again, you are happy with everything.\n\nChannel 1: Yep.\n\nChannel 0: And it\n\nChannel 1: That's\n\nChannel 0: will\n\nChannel 1: done.\n\nChannel 0: ask\n\nChannel 1: Okay.\n\nChannel 0: for your, yeah, date and signature. And then\n\nChannel 1: Just\n\nChannel 0: it\n\nChannel 1: loading.\n\nChannel 0: should say\n\nChannel 1: Validate.\n\nChannel 0: validate. Yep.\n\nChannel 1: So I've clicked that, and it's just saying loading at the moment.\n\nChannel 0: Yep. No. That is all good.\n\nChannel 1: Yep. You yep. That's all done.\n\nChannel 0: That should be all good. Perfect. So I'm sure that comes through to me shortly. Now I do also wanna triple check for you the beneficiary we have on file. So that\n\nChannel 1: Yep.\n\nChannel 0: is just if something were to happen to you just\n\nChannel 1: Mhmm.\n\nChannel 0: so that we do have the right person nominated. Now apologies if I mispronounced the name, but I have\n\nChannel 1: Yep. Yeah. Jen Jen.\n\nChannel 0: Yes. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: That's still correct?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Yep. Perfect. So, yeah, that's all in place. It is nonlapsing, which means that it stays in place until you decide to change it. So that is\n\nChannel 1: Yep.\n\nChannel 0: all good. Basically, obviously, like I said, I will send you that record of the device in the next couple of days just for your reference. Like I said, you don't need to sign it or anything just to say that\n\nChannel 1: Mhmm.\n\nChannel 0: we are doing that one investment change for you. But do you have any other questions or or anything else from me, Anthony, before I let you go and enjoy the rest of your afternoon?\n\nChannel 1: Not that I can think of, but Yeah. All good.\n\nChannel 0: Perfect. If you do, though, you know, don't hesitate to ever just give us a call or or send me an email as well, if there's\n\nChannel 1: Yep.\n\nChannel 0: anything that you do need. No worries. Well, thank you so much for your time today, Anthony. It was lovely speaking with you.\n\nChannel 1: Awesome. Yep.\n\nChannel 0: And anything you need, just give us a call.\n\nChannel 1: Awesome. Thank you very much.\n\nChannel 0: No worries. We'll speak soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.04987984895706177}],"sentiment":"neutral","sentiment_score":0.04987984895706177,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.3135672062635422},{"text":"This is Anthony.","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.17767283817132315}],"sentiment":"neutral","sentiment_score":0.23203058540821075,"channel":0,"num_words":5,"start":1.92,"end":3.46},{"sentences":[{"text":"Yes.","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.16712000966072085}],"sentiment":"neutral","sentiment_score":0.16712000966072085,"channel":1,"num_words":1,"start":4.16,"end":4.66},{"sentences":[{"text":"This is Veronica from HP Financial.","start":5.12,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.17241823424895605},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"neutral","sentiment_score":0.18459254006544748}],"sentiment":"neutral","sentiment_score":0.17647633618778652,"channel":0,"num_words":9,"start":5.12,"end":8.34},{"sentences":[{"text":"Oh, good.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.3651161640882492},{"text":"How are you?","start":8.96,"end":9.7,"sentiment":"neutral","sentiment_score":0.27141129473845166}],"sentiment":"neutral","sentiment_score":0.3088932424783707,"channel":1,"num_words":5,"start":8.48,"end":9.7},{"sentences":[{"text":"Good.","start":10.16,"end":10.559999,"sentiment":"positive","sentiment_score":0.6029014587402344},{"text":"Thanks.","start":10.559999,"end":11.059999,"sentiment":"positive","sentiment_score":0.6887086629867554},{"text":"I had you booked in to go over your annual review.","start":11.92,"end":14.505,"sentiment":"positive","sentiment_score":0.44223290952769195},{"text":"Is now still a good time for you?","start":14.505,"end":16.205,"sentiment":"positive","sentiment_score":0.4254615232348442}],"sentiment":"positive","sentiment_score":0.4552316339243026,"channel":0,"num_words":21,"start":10.16,"end":16.205},{"sentences":[{"text":"Yep.","start":16.875,"end":17.375,"sentiment":"neutral","sentiment_score":0.04103253036737442}],"sentiment":"neutral","sentiment_score":0.04103253036737442,"channel":1,"num_words":1,"start":16.875,"end":17.375},{"sentences":[{"text":"Yep.","start":18.105,"end":18.605,"sentiment":"neutral","sentiment_score":0.05197414755821228},{"text":"Perfect.","start":18.665,"end":19.165,"sentiment":"neutral","sentiment_score":0.20805993676185608},{"text":"And apologies.","start":19.625,"end":20.265,"sentiment":"neutral","sentiment_score":-0.12141690030694008},{"text":"I am calling a couple of minutes late.","start":20.265,"end":22.105,"sentiment":"neutral","sentiment_score":-0.16668431088328362},{"text":"My previous appointment was just running a little bit late.","start":22.105,"end":24.925,"sentiment":"neutral","sentiment_score":-0.18261439427733422}],"sentiment":"neutral","sentiment_score":-0.14283718846061014,"channel":0,"num_words":22,"start":18.105,"end":24.925},{"sentences":[{"text":"Yep.","start":26.795,"end":27.195,"sentiment":"neutral","sentiment_score":-0.015756070613861084},{"text":"Can you hear me?","start":27.195,"end":28.255001,"sentiment":"neutral","sentiment_score":-0.02942649833858013}],"sentiment":"neutral","sentiment_score":-0.026692412793636322,"channel":1,"num_words":5,"start":26.795,"end":28.255001},{"sentences":[{"text":"Yes.","start":28.720001,"end":29.04,"sentiment":"neutral","sentiment_score":-0.007517101708799601},{"text":"Can you hear me okay?","start":29.04,"end":30.18,"sentiment":"neutral","sentiment_score":-0.014165135659277439}],"sentiment":"neutral","sentiment_score":-0.013057130000864467,"channel":0,"num_words":6,"start":28.720001,"end":30.18},{"sentences":[{"text":"Yep.","start":30.54,"end":31.04,"sentiment":"neutral","sentiment_score":0.006504908204078674}],"sentiment":"neutral","sentiment_score":0.006504908204078674,"channel":1,"num_words":1,"start":30.54,"end":31.04},{"sentences":[{"text":"Yep.","start":31.76,"end":32.24,"sentiment":"neutral","sentiment_score":0.04784218966960907},{"text":"Perfect.","start":32.24,"end":32.74,"sentiment":"neutral","sentiment_score":0.1948297917842865},{"text":"Now, Anthony, before I do go any further, I just need to let you know that our calls are","start":33.36,"end":37.760002,"sentiment":"neutral","sentiment_score":0.01543890792680414}],"sentiment":"neutral","sentiment_score":0.02552434438396068,"channel":0,"num_words":21,"start":31.76,"end":37.760002},{"sentences":[{"text":"Yep.","start":37.7475,"end":38.2475,"sentiment":"neutral","sentiment_score":0.013552765361964704}],"sentiment":"neutral","sentiment_score":0.013552765361964704,"channel":1,"num_words":1,"start":37.7475,"end":38.2475},{"sentences":[{"text":"being recorded for quality and coaching purposes, if that's okay.","start":37.760002,"end":40.965,"sentiment":"neutral","sentiment_score":0.005854110047221184},{"text":"Okay.","start":42.725,"end":42.885,"sentiment":"neutral","sentiment_score":0.05600778013467789},{"text":"Yep.","start":42.885,"end":43.205,"sentiment":"neutral","sentiment_score":0.10079677402973176},{"text":"Perfect.","start":43.205,"end":43.705,"sentiment":"neutral","sentiment_score":0.2493950128555298},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please?","start":43.765,"end":53.72,"sentiment":"neutral","sentiment_score":0.09807431807412821}],"sentiment":"neutral","sentiment_score":0.08083547834069171,"channel":0,"num_words":47,"start":37.760002,"end":53.72},{"sentences":[{"text":"Yeah.","start":54.235,"end":54.475002,"sentiment":"neutral","sentiment_score":0.02691542357206345},{"text":"It's 02/06/1994, Anthony George Medina.","start":54.475002,"end":59.135002,"sentiment":"neutral","sentiment_score":0.0304710753262043},{"text":"5 Slash 38 To 40 Premier 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moment.","start":1151.645,"end":1155.505,"sentiment":"neutral","sentiment_score":-0.08900546820627318},{"text":"One of them I do wanna look at changing for you.","start":1155.725,"end":1159.025,"sentiment":"neutral","sentiment_score":-0.038436034694314},{"text":"The other one is just your your property investment.","start":1159.405,"end":1163.5199,"sentiment":"neutral","sentiment_score":-0.041903424387176834},{"text":"It is just down slightly by about 10.68%,","start":1163.5199,"end":1167.0599,"sentiment":"neutral","sentiment_score":-0.06446140864863992}],"sentiment":"neutral","sentiment_score":0.04974850483238697,"channel":0,"num_words":50,"start":1146.765,"end":1167.0599},{"sentences":[{"text":"Mhmm.","start":1167.39,"end":1167.5499,"sentiment":"neutral","sentiment_score":-0.021858640015125275}],"sentiment":"neutral","sentiment_score":-0.021858640015125275,"channel":1,"num_words":1,"start":1167.39,"end":1167.5499},{"sentences":[{"text":"which","start":1167.44,"end":1167.6,"sentiment":"neutral","sentiment_score":-0.02743992395699024}],"sentiment":"neutral","sentiment_score":-0.02743992395699024,"channel":0,"num_words":1,"start":1167.44,"end":1167.6},{"sentences":[{"text":"Yep.","start":1167.5499,"end":1168.0499,"sentiment":"neutral","sentiment_score":-0.021756550297141075}],"sentiment":"neutral","sentiment_score":-0.021756550297141075,"channel":1,"num_words":1,"start":1167.5499,"end":1168.0499},{"sentences":[{"text":"is kind of understandable given, obviously, what's happening","start":1167.6,"end":1170.24,"sentiment":"neutral","sentiment_score":-0.061104913242161274}],"sentiment":"neutral","sentiment_score":-0.061104913242161274,"channel":0,"num_words":8,"start":1167.6,"end":1170.24},{"sentences":[{"text":"Yeah.","start":1170.2251,"end":1170.7251,"sentiment":"neutral","sentiment_score":-0.04973330348730087}],"sentiment":"neutral","sentiment_score":-0.04973330348730087,"channel":1,"num_words":1,"start":1170.2251,"end":1170.7251},{"sentences":[{"text":"in the market.","start":1170.24,"end":1170.7999,"sentiment":"neutral","sentiment_score":-0.07468837375442187},{"text":"So I'm not very concerned with that.","start":1170.7999,"end":1172.6599,"sentiment":"neutral","sentiment_score":-0.1676583950008665}],"sentiment":"neutral","sentiment_score":-0.1397673886269331,"channel":0,"num_words":10,"start":1170.24,"end":1172.6599},{"sentences":[{"text":"Yep.","start":1172.8651,"end":1173.3651,"sentiment":"neutral","sentiment_score":-0.019159751012921333}],"sentiment":"neutral","sentiment_score":-0.019159751012921333,"channel":1,"num_words":1,"start":1172.8651,"end":1173.3651},{"sentences":[{"text":"The other investment that is kind of underperforming a little bit at the moment is your Benelon Australian Equity Investment.","start":1173.12,"end":1179.3551,"sentiment":"neutral","sentiment_score":-0.24747478030622005},{"text":"Have you ever heard of that one before while you're quite familiar with managed funds and 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good.","start":1191.7351,"end":1192.4751,"sentiment":"neutral","sentiment_score":0.30446310341358185},{"text":"So with the Benelung investment, they are a managed fund.","start":1192.82,"end":1196.28,"sentiment":"neutral","sentiment_score":0.10695505663752555},{"text":"So, basically, how it works is that they are actively trying to buy and sell different investments in order","start":1196.5,"end":1201.46,"sentiment":"neutral","sentiment_score":0.14515968176879382}],"sentiment":"neutral","sentiment_score":0.1431132492519194,"channel":0,"num_words":31,"start":1191.7351,"end":1201.46},{"sentences":[{"text":"Yep.","start":1201.445,"end":1201.945,"sentiment":"neutral","sentiment_score":0.24939870834350583}],"sentiment":"neutral","sentiment_score":0.24939870834350583,"channel":1,"num_words":1,"start":1201.445,"end":1201.945},{"sentences":[{"text":"to try to outperform the market.","start":1201.46,"end":1203.32,"sentiment":"positive","sentiment_score":0.37051179508368176},{"text":"Now they have been very successful in doing so, which is why it was added to your portfolio, obviously,","start":1203.78,"end":1209.865,"sentiment":"positive","sentiment_score":0.44713547982667623}],"sentiment":"positive","sentiment_score":0.42874579548835756,"channel":0,"num_words":25,"start":1201.46,"end":1209.865},{"sentences":[{"text":"Mhmm.","start":1209.6849,"end":1210.1849,"sentiment":"neutral","sentiment_score":0.04742250218987465}],"sentiment":"neutral","sentiment_score":0.04742250218987465,"channel":1,"num_words":1,"start":1209.6849,"end":1210.1849},{"sentences":[{"text":"when you came on board.","start":1209.865,"end":1211.085,"sentiment":"neutral","sentiment_score":0.02192767187952995},{"text":"But more recently, they've been a little bit slower in making those, decisions.","start":1211.3049,"end":1216.2849,"sentiment":"neutral","sentiment_score":-0.24614156094881204},{"text":"But then, also, one of the investments that they had in their portfolio, was the corporate travel 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pause.","start":1230.6399,"end":1238.085,"sentiment":"neutral","sentiment_score":-0.28329490035772326},{"text":"So that did see a bit of the decline in the investment.","start":1238.085,"end":1241.7849,"sentiment":"neutral","sentiment_score":-0.2744462216893832},{"text":"So the good thing with hub twenty four is that there is hundreds and hundreds of different options for us to choose from.","start":1242.725,"end":1249.065,"sentiment":"positive","sentiment_score":0.33662189154521277}],"sentiment":"neutral","sentiment_score":-0.0438369588285196,"channel":0,"num_words":61,"start":1230.32,"end":1249.065},{"sentences":[{"text":"Mhmm.","start":1249.2,"end":1249.7,"sentiment":"neutral","sentiment_score":0.03602878749370575}],"sentiment":"neutral","sentiment_score":0.03602878749370575,"channel":1,"num_words":1,"start":1249.2,"end":1249.7},{"sentences":[{"text":"Now we also don't want to be like, if an investment is slightly underperforming temporarily and we foresee coming back around, it's not like we day trade your super.","start":1249.205,"end":1258.25,"sentiment":"neutral","sentiment_score":-0.12906457843451663},{"text":"It's obviously a long term investment.","start":1258.25,"end":1259.87,"sentiment":"neutral","sentiment_score":-0.020917915195847552}],"sentiment":"neutral","sentiment_score":-0.1105251504507448,"channel":0,"num_words":35,"start":1249.205,"end":1259.87},{"sentences":[{"text":"Mhmm.","start":1260.545,"end":1261.045,"sentiment":"neutral","sentiment_score":0.04028774052858353}],"sentiment":"neutral","sentiment_score":0.04028774052858353,"channel":1,"num_words":1,"start":1260.545,"end":1261.045},{"sentences":[{"text":"But at the same time, we also want to be proactive.","start":1261.21,"end":1264.35,"sentiment":"neutral","sentiment_score":0.10346287014809522},{"text":"So if there's an investment that we see not being potentially the best one for you moving forward or there's other options that is going to give you more growth, then we also want to be proactive in making changes.","start":1264.6499,"end":1277.385,"sentiment":"neutral","sentiment_score":0.012325215199962259}],"sentiment":"neutral","sentiment_score":0.03198235646328505,"channel":0,"num_words":51,"start":1261.21,"end":1277.385},{"sentences":[{"text":"Yeah.","start":1278.23,"end":1278.73,"sentiment":"neutral","sentiment_score":0.041653163731098175}],"sentiment":"neutral","sentiment_score":0.041653163731098175,"channel":1,"num_words":1,"start":1278.23,"end":1278.73},{"sentences":[{"text":"So with the Benelung investment, the investment committee have done a lot of research on it, and do think that there's another suitable option out there that is going to be a little bit better for you to just kind of swap it out for.","start":1278.3251,"end":1292.2101,"sentiment":"neutral","sentiment_score":-0.012706851545307372}],"sentiment":"neutral","sentiment_score":-0.012706851545307372,"channel":0,"num_words":45,"start":1278.3251,"end":1292.2101},{"sentences":[{"text":"Mhmm.","start":1292.805,"end":1293.305,"sentiment":"neutral","sentiment_score":-0.04036831110715866}],"sentiment":"neutral","sentiment_score":-0.04036831110715866,"channel":1,"num_words":1,"start":1292.805,"end":1293.305},{"sentences":[{"text":"Now the one that they've looked at a lot is your BetaShares a 200.","start":1292.8301,"end":1298.9349,"sentiment":"neutral","sentiment_score":0.026124702101307257},{"text":"Have you heard of that?","start":1298.9349,"end":1300.1549,"sentiment":"neutral","sentiment_score":0.01747706178575754}],"sentiment":"neutral","sentiment_score":0.023849007281425753,"channel":0,"num_words":19,"start":1292.8301,"end":1300.1549},{"sentences":[{"text":"I've heard of 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obviously,","start":1347.24,"end":1347.88,"sentiment":"neutral","sentiment_score":0.06737325713038445}],"sentiment":"neutral","sentiment_score":0.08727866336703301,"channel":0,"num_words":20,"start":1340.36,"end":1347.88},{"sentences":[{"text":"Mhmm.","start":1347.7151,"end":1348.2151,"sentiment":"neutral","sentiment_score":0.07838228344917297}],"sentiment":"neutral","sentiment_score":0.07838228344917297,"channel":1,"num_words":1,"start":1347.7151,"end":1348.2151},{"sentences":[{"text":"very diversified.","start":1347.88,"end":1348.7001,"sentiment":"neutral","sentiment_score":0.12278936430811882},{"text":"Gives you all the big banks, BHP, Woolworths.","start":1349.0801,"end":1351.66,"sentiment":"neutral","sentiment_score":0.15773083735257387},{"text":"So, again, very diversified option.","start":1351.7201,"end":1353.525,"sentiment":"neutral","sentiment_score":0.14250850230455397},{"text":"And, obviously, as the company kind of grows in bigger, added to the 200 and something small 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us to make that one change for you?","start":1362.405,"end":1366.345,"sentiment":"positive","sentiment_score":0.35457037274654096}],"sentiment":"positive","sentiment_score":0.35457037274654096,"channel":0,"num_words":13,"start":1362.405,"end":1366.345},{"sentences":[{"text":"Yep.","start":1367.145,"end":1367.465,"sentiment":"neutral","sentiment_score":0.1397075653076172},{"text":"Yeah.","start":1367.465,"end":1367.705,"sentiment":"neutral","sentiment_score":0.21743303537368777},{"text":"I'm happy with 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stays in place until you decide to change it.","start":1678.76,"end":1683.4,"sentiment":"neutral","sentiment_score":0.2553520589135587},{"text":"So that is","start":1683.4,"end":1684.2001,"sentiment":"positive","sentiment_score":0.39848725001017254}],"sentiment":"positive","sentiment_score":0.3339918418614953,"channel":0,"num_words":27,"start":1676.4149,"end":1684.2001},{"sentences":[{"text":"Yep.","start":1683.9049,"end":1684.4049,"sentiment":"positive","sentiment_score":0.3979610800743103}],"sentiment":"positive","sentiment_score":0.3979610800743103,"channel":1,"num_words":1,"start":1683.9049,"end":1684.4049},{"sentences":[{"text":"all good.","start":1684.2001,"end":1684.9401,"sentiment":"positive","sentiment_score":0.6138541996479034},{"text":"Basically, obviously, like I said, I will send you that record of the device in the next couple of days just for your reference.","start":1686.2001,"end":1692.12,"sentiment":"neutral","sentiment_score":0.24100633027652898},{"text":"Like I said, you don't need to sign it or anything just to say that","start":1692.12,"end":1694.965,"sentiment":"neutral","sentiment_score":0.12484609882036844}],"sentiment":"neutral","sentiment_score":0.2166963855667812,"channel":0,"num_words":41,"start":1684.2001,"end":1694.965},{"sentences":[{"text":"Mhmm.","start":1694.89,"end":1695.39,"sentiment":"neutral","sentiment_score":0.11763764917850494}],"sentiment":"neutral","sentiment_score":0.11763764917850494,"channel":1,"num_words":1,"start":1694.89,"end":1695.39},{"sentences":[{"text":"we are doing that one investment change for you.","start":1694.965,"end":1698.185,"sentiment":"neutral","sentiment_score":0.2600769086016549},{"text":"But do you have any other questions or or anything else from me, Anthony, before I let you go and enjoy the rest of your 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there's","start":1710.19,"end":1716.75,"sentiment":"neutral","sentiment_score":0.17034590125083923}],"sentiment":"neutral","sentiment_score":0.18630977204212776,"channel":0,"num_words":26,"start":1709.15,"end":1716.75},{"sentences":[{"text":"Yep.","start":1716.55,"end":1717.05,"sentiment":"neutral","sentiment_score":0.1662089079618454}],"sentiment":"neutral","sentiment_score":0.1662089079618454,"channel":1,"num_words":1,"start":1716.55,"end":1717.05},{"sentences":[{"text":"anything that you do need.","start":1716.75,"end":1718.21,"sentiment":"neutral","sentiment_score":0.1974394679069519},{"text":"No worries.","start":1719.965,"end":1720.365,"sentiment":"neutral","sentiment_score":0.32991795241832733},{"text":"Well, thank you so much for your time today, Anthony.","start":1720.365,"end":1722.125,"sentiment":"positive","sentiment_score":0.812470406293869},{"text":"It was lovely speaking with 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very much.","start":1726.71,"end":1727.5769,"sentiment":"positive","sentiment_score":0.7932199835777283}],"sentiment":"positive","sentiment_score":0.7845850467681885,"channel":1,"num_words":5,"start":1726.3099,"end":1727.5769},{"sentences":[{"text":"No worries.","start":1728.125,"end":1728.605,"sentiment":"neutral","sentiment_score":0.25464729964733124},{"text":"We'll speak 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with Anthony about his annual review and confirms his personal information, income, and property. They discuss his retirement plans and health and lifestyle, including his retirement savings and health and lifestyle goals. The agent will send an email to the customer with a risk profile questionnaire and discusses potential savings for retirement plans and high growth portfolios. They also provide information on investment performance and compliance documents, as well as a new marketing campaign. The agent provides advice on risk tolerance and investment portfolios, and confirms the customer's service agreement and beneficiary."},"intents":{"segments":[{"text":"This is Anthony. Yes. This is Veronica from HP Financial. How are you? Oh, good.","start_word":3,"end_word":17,"intents":[{"intent":"Identify caller","confidence_score":0.0016328931},{"intent":"Request conversation","confidence_score":0.00011295128}]},{"text":"I had you booked in to go over your annual review. Is now still a good time for you?","start_word":23,"end_word":41,"intents":[{"intent":"Schedule review","confidence_score":0.010435884}]},{"text":"I had you booked in to go over your annual review. Is now still a good time for you? Yep.","start_word":23,"end_word":42,"intents":[{"intent":"Confirm appointment","confidence_score":0.38122636},{"intent":"Check application status","confidence_score":0.000035613368}]},{"text":"And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? 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But before I do kind of jump into things, I do like to start by asking if there is any specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a kinda catch up and see where everything's at?","start_word":189,"end_word":253,"intents":[{"intent":"Ask about questions","confidence_score":0.0017943735}]},{"text":"That's all good. If you think of anything, let me know. Otherwise, what I will go through with you first, it's just a bit of an updated fact find just to see if there is anything major that kind of changed in your life, if we do need to make any tweaks and changes to your advice at all. So just kind of bear with me as I run through this information with you. Yep.","start_word":266,"end_word":340,"intents":[{"intent":"Express gratitude","confidence_score":0.05410006}]},{"text":"but I haven't got it set up. It it was more because I got a bit of a payout because I had a bit of annual leave Yep.","start_word":681,"end_word":708,"intents":[{"intent":"Set up","confidence_score":0.11917348}]},{"text":"So just to avoid the tax, I did put about 4,500 last Yes.","start_word":708,"end_word":720,"intents":[{"intent":"Avoid tax","confidence_score":0.51311755}]},{"text":"If you do, obviously, let us know same as same as what you did. If you wanted to if you do as after obviously, after tax contributions and you wanna claim that NOI, same as, obviously, the conversation you had with my colleague, Larissa, not too long ago. Just Yep. let us know, obviously, if if that is ever the situation. Yep.","start_word":740,"end_word":801,"intents":[{"intent":"Leave a message","confidence_score":0.004328671}]},{"text":"If you wanted to if you do as after obviously, after tax contributions and you wanna claim that NOI, same as, obviously, the conversation you had with my colleague, Larissa, not too long ago. Just Yep.","start_word":754,"end_word":789,"intents":[{"intent":"Claim noi","confidence_score":0.5175967}]},{"text":"14 owing It'll be less on now, the mortgage. but Yeah. let me check that. Okay.","start_word":871,"end_word":886,"intents":[{"intent":"Check debt","confidence_score":0.007156244}]},{"text":"And you don't have anything owing on the on the car, do you? Nothing.","start_word":949,"end_word":962,"intents":[{"intent":"Confirm owed amount","confidence_score":0.0019298313}]},{"text":"I mean, I guess that would've depreciated. I wouldn't know how much it would be worth now, but Yeah.","start_word":977,"end_word":995,"intents":[{"intent":"Verify value","confidence_score":0.004705303}]},{"text":"Now I also have here that you have about $4,000 worth of shares and 4,000 worth of crypto. Is that still the case? Yeah.","start_word":1024,"end_word":1047,"intents":[{"intent":"Check availability","confidence_score":0.006112647}]},{"text":"And when it comes to estate planning, do you have a will or power of attorney in place or anything I don't. like that? And No.","start_word":1218,"end_word":1243,"intents":[{"intent":"Inquire about healthcare and estate planning","confidence_score":0.00016607509}]},{"text":"And when you obviously do wanna have a look at it, do you know someone you can speak through, or would you like us to send you some information and pricing on a firm that we work closely with? Oh, yeah.","start_word":1268,"end_word":1308,"intents":[{"intent":"Provide information and pricing","confidence_score":0.041657098}]},{"text":"Now I guess when it comes to kind of goals, the stuff that you are working towards or that you are wanting to achieve, during annual review, it's usually a good kind of time to see, well, what's happened in the last twelve months? How did we go? Is that still the goals? Would you have any new things that you are working towards?","start_word":1415,"end_word":1478,"intents":[{"intent":"Discussing goals and goals","confidence_score":0.00051859755},{"intent":"Discussing personal goals","confidence_score":0.008581097},{"intent":"Discussing financial goals","confidence_score":0.0015675724}]},{"text":"Next is kind of, I guess, when it comes to your superannuation and how your money is invested. What I will do is just quickly run through that risk profile questionnaire with you, Anthony, just to see if Yep. there is anything major that has changed, if we do Mhmm. need to make any, like, tweaks and changes to how your money is invested. Yeah.","start_word":1618,"end_word":1682,"intents":[{"intent":"Discussing money investment process","confidence_score":0.000020949003}]},{"text":"when we do look at the market historically, you can see long term, it always goes up. But short term, depending on what is happening, you will have those ups and Yeah. downs and market fluctuations. Yeah.","start_word":2129,"end_word":2165,"intents":[{"intent":"Discuss market trends","confidence_score":0.0085586505}]},{"text":"Income protection, you do have a monthly benefit of about $5,159 per month.","start_word":2733,"end_word":2745,"intents":[{"intent":"Evaluate income protection coverage","confidence_score":0.022488182}]},{"text":"So with the Benelung investment, they are a managed fund. So, basically, how it works is that they are actively trying to buy and sell different investments in order Yep.","start_word":3109,"end_word":3138,"intents":[{"intent":"Discuss investment strategies","confidence_score":0.0064099752}]},{"text":"So if we are taking out one Australian investment, we still wanna make sure that we swap it for a a kind of similar substitute to give you that well rounded diversification. We don't wanna have overexposure to one market or too much underexposure to one market. So Yep.","start_word":3472,"end_word":3520,"intents":[{"intent":"Swap investment","confidence_score":0.57516307}]},{"text":"Would you be happy for us to make that one change for you? Yep.","start_word":3621,"end_word":3634,"intents":[{"intent":"Make investment change","confidence_score":0.10269764}]},{"text":"So every year, Vanguard does release an updated version. They do it at the end of the financial year, so the next one is due to come out any any day now.","start_word":3782,"end_word":3813,"intents":[{"intent":"Update version","confidence_score":0.29888588}]},{"text":"It's just good because it does show you kind of when we were talking back through the market historically. It shows you that over the long term market always goes up, but short term, you will have those ups and downs and market fluctuation depending on what is going on. Yep.","start_word":3815,"end_word":3865,"intents":[{"intent":"Show market fluctuation","confidence_score":0.058670245}]},{"text":"This one also shows from 1995 through to 2025, and it breaks down the different asset classes on the right side as well. Referring back to that high growth portfolio, this is where you have your kind of top four. So The US shares, Australian shares, international shares, and property, that forms part of that growth component, which you have about 90% in, and then the bottom three are your defenses. Yep.","start_word":3866,"end_word":3937,"intents":[{"intent":"Break down asset classes","confidence_score":0.59647506}]},{"text":"Now the next document, is that your certificate of currency with Clearview? Yes. Clearview.","start_word":3940,"end_word":3953,"intents":[{"intent":"Provide certificate of currency","confidence_score":0.21291742}]},{"text":"This one here basically just lets you know that your insurances is all paid and up to date. So it just breaks that down in a little bit more detail for you. Awesome. Yep. Yes.","start_word":3958,"end_word":3992,"intents":[{"intent":"Provide insurance information","confidence_score":0.039908893}]},{"text":"a bit of an updated marketing. But if you do scroll through, you will see the directors, all our advices. And if you do scroll through page 10, you will then see myself as well if you do wanna put a phrase to voice. Yeah.","start_word":4062,"end_word":4106,"intents":[{"intent":"Scroll through documents","confidence_score":0.0060392753}]},{"text":"It's content to new ongoing fee arrangement. Yes.","start_word":4260,"end_word":4267,"intents":[{"intent":"Update client about fee arrangement","confidence_score":0.0011350446}]},{"text":"Now apologies if I mispronounced the name, but I have Yep. Yeah.","start_word":4497,"end_word":4508,"intents":[{"intent":"Verify person's name","confidence_score":0.000086729066}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This is Anthony. Yes. This is Veronica from HP Financial. How are you?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.18164660036563873},{"text":"Oh, good.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.3651161789894104},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.28461360931396484},{"text":"Good. Thanks. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":21,"end_word":41,"sentiment":"positive","sentiment_score":0.4606944322586059},{"text":"Yep. Yep. Perfect. And apologies. I am calling a couple of minutes late. My previous appointment was just running a little bit late. Yep. Can you hear me? Yes. Can you hear me okay? Yep. Yep. Perfect. Now, Anthony, before I do go any further, I just need to let you know that our calls are Yep. being recorded for quality and coaching purposes, if that's okay. Okay. Yep. Perfect. And just for security purposes so that I can confirm I'm speaking with the right person, could I just get you to confirm your full name, date of birth, and address for me, please? Yeah. It's 02/06/1994, Anthony George Medina. 5 Slash 38 To 40 Premier Street. Perfect. And just the suburb as well, Sri? Congrat 2217. Yep.","start_word":42,"end_word":169,"sentiment":"neutral","sentiment_score":0.02774022147059441},{"text":"Perfect.","start_word":170,"end_word":170,"sentiment":"positive","sentiment_score":0.3538660407066345},{"text":"And how's your day been so far? I've been busy. Yeah. Good. Good. Always Yeah. busy.","start_word":171,"end_word":186,"sentiment":"neutral","sentiment_score":0.10785353928804398},{"text":"That's good.","start_word":187,"end_word":188,"sentiment":"positive","sentiment_score":0.34826764464378357},{"text":"I'll try not to keep you for too long today, Anthony. But before I do kind of jump into things, I do like to start by asking if there is any specific you are hoping to get out of the review today or any particular questions you might have or whether it's just a bit of a kinda catch up and see where everything's at? Not that I can think of, to be honest. Yeah. No. Yeah. That's all good. If you think of anything, let me know. Otherwise, what I will go through with you first, it's just a bit of an updated fact find just to see if there is anything major that kind of changed in your life, if we do need to make any tweaks and changes to your advice at all. So just kind of bear with me as I run through this information with you. Yep. Now when it comes to your personal information, I have you down here as that you are in a de facto relationship, dependent. Is that correct? Yeah. That's Yep.","start_word":189,"end_word":369,"sentiment":"neutral","sentiment_score":0.018668913750688017},{"text":"Beautiful.","start_word":370,"end_word":370,"sentiment":"positive","sentiment_score":0.5820827484130859},{"text":"Now employment wise, still working as an electrician? correct. Yes. Yep. Perfect. So same company, or has anything changed in the last twelve I've got a new I'm working for a new company months? now. Yep. And what's the new employer? The new employer is City Facilities Management. And City when FM. did you start? Oh, serious. Yep. And when did you start there? In April. Yep. And enjoying it so far? Yeah.","start_word":371,"end_word":443,"sentiment":"neutral","sentiment_score":0.052632108330726624},{"text":"It's good.","start_word":444,"end_word":445,"sentiment":"positive","sentiment_score":0.47255998849868774},{"text":"It's a Yes. bit of a pay rise, so Oh, nice. I And what's can't the the new income for complain. you? The Yes. new income? I can check that out. It's I know it works out to 60.37 is my hourly rate, and I've got thirty eight hour or weeks. Okay. So thirty eight hours per week, you said. And what was your hourly rate? 60.37. Sixty three seven. And that will be for tax, I assume? Pre tax. Like, Yep. before before yeah. Perfect. Okay. And how many are you doing five days a week, like, full time? Yeah. Full time. Yep. Full Yep. time, Great. thirty eight hours. Yep. Perfect. No. That's all good. I can work with that. And in terms of contributions and stuff from your new employer, are they still kind of under the same agreement, so that minimum 5% contribution, or do they have, like, a special enterprise bargain agreement or additional entitlements or anything like that? I believe it would be the same. Yes. The Is same. it yeah. Perfect. Often as well, is there is there, like, an EBA in place or anything like that? They they tend to let you know if they're paying a Yeah. little bit extra.","start_word":446,"end_word":654,"sentiment":"neutral","sentiment_score":0.0306211169809103},{"text":"So that's all good.","start_word":655,"end_word":658,"sentiment":"positive","sentiment_score":0.3709249198436737},{"text":"And you're making any additional contributions, are you? Is that from your employer? I did on the last financial year, Yep. but I haven't got it set up. It it was more because I got a bit of a payout because I had a bit of annual leave Yep. So just to avoid the tax, I did put about 4,500 last Yes. financial year, but Yep. at the at the moment, there's no plans for this financial year. No. Okay.","start_word":659,"end_word":738,"sentiment":"neutral","sentiment_score":-0.09004486077465117},{"text":"Perfect.","start_word":739,"end_word":739,"sentiment":"positive","sentiment_score":0.38141313195228577},{"text":"If you do, obviously, let us know same as same as what you did. If you wanted to if you do as after obviously, after tax contributions and you wanna claim that NOI, same as, obviously, the conversation you had with my colleague, Larissa, not too long ago. Just Yep. let us know, obviously, if if that is ever the situation. Yep. Yep. Perfect. Asset wise, I have here your main property was last valued at about $7.80. Is that still the case? Would you know if that went up a little bit? Or I'd say that's about right. It might be a little bit more, but and I guess to be honest, like, rough yeah, yeah. Perfect. it'd be similar And to that, I'd say. yeah. Great. And about $5.14 owing It'll be less on now, the mortgage. but Yeah. let me check that. Okay. Like, $4.90, or do you want me to leave 4493 it 5. at 5? Or 495.","start_word":740,"end_word":901,"sentiment":"neutral","sentiment_score":0.06045951694250107},{"text":"Beautiful. Thank you so much.","start_word":902,"end_word":906,"sentiment":"positive","sentiment_score":0.6506996154785156},{"text":"I also have here that you have an offset at about 230,000 in there. Yeah. It's at $2.94 now. Oh, nice. 94. Do you also still have the motor vehicle provided at about 30,000? Well, that's a car. Yes. Yes. Yeah. Yeah. And you don't have anything owing on the on the car, do you? Nothing. I like that. No. Great. Do you also have the 4,000 yes. Sorry? Yeah. I mean, I guess that would've depreciated. I wouldn't know how much it would be worth now, but Yeah. No. That's with okay. natural depreciation. Yeah. Most people always sound like, oh, I bought it for about this, but I'm not really sure, which is totally fine. Now I also have here that you have about $4,000 worth of shares and 4,000 worth of crypto. Is that still the case? Yeah. I'll double check, but I think that's about right.","start_word":907,"end_word":1056,"sentiment":"neutral","sentiment_score":-0.014840428233146668},{"text":"It's probably gone, but then I did lose a bit on the crypto because I've got scammed, to be honest.","start_word":1057,"end_word":1076,"sentiment":"negative","sentiment_score":-0.3907378017902374},{"text":"Oh, really?","start_word":1077,"end_word":1078,"sentiment":"neutral","sentiment_score":-0.23236382007598877},{"text":"I was a bit silly to trust.","start_word":1079,"end_word":1085,"sentiment":"negative","sentiment_score":-0.48869431018829346},{"text":"But anyway Yeah. Do you still have some in that, I or did you kind of exit yeah. out of it? I I it I I'd say maybe the crypto would be, like, 2.5. Yep. And the hold on. I'll just check. It's 6 oh, okay. 6 it started at $6.01 50, the $6.01 50. Yeah. Okay.","start_word":1086,"end_word":1142,"sentiment":"neutral","sentiment_score":0.011621451005339622},{"text":"Great. Health and lifestyle wise, I have you done here as a nonsmoker, sales.","start_word":1143,"end_word":1156,"sentiment":"positive","sentiment_score":0.3956282436847687},{"text":"if that's the case? Yep. Correct. Yep. And have you had any changes to your health at all in the last twelve months? Any significant issues or injuries or anything? No. Nothing major No. other No. than cold things. That's not perfect, but no, like, significant injuries causing you time off work or No. anything like that? No. Okay.","start_word":1157,"end_word":1215,"sentiment":"neutral","sentiment_score":-0.0708644837141037},{"text":"That's great.","start_word":1216,"end_word":1217,"sentiment":"positive","sentiment_score":0.4992694556713104},{"text":"And when it comes to estate planning, do you have a will or power of attorney in place or anything I don't. like that? And No. I know if I said that last year that I should get that sorted, and I haven't done it. On the to do list. And when you obviously do wanna have a look at it, do you know someone you can speak through, or would you like us to send you some information and pricing on a firm that we work closely with? Oh, yeah. Yeah. That would that would be good. Yeah? I didn't really have anyone that I had in mind. Yeah. Alright.","start_word":1218,"end_word":1328,"sentiment":"neutral","sentiment_score":-0.008176630362868309},{"text":"Perfect.","start_word":1329,"end_word":1329,"sentiment":"positive","sentiment_score":0.4616549611091614},{"text":"Well, what I will do is I will get the team to send you an email just with the the firm that we work closely with, and it has, like, pricing and stuff as well. So that gives you kind of a bit of an idea of what it would cost. And if you do look locally as well, you can also use that as a comparison.","start_word":1330,"end_word":1396,"sentiment":"neutral","sentiment_score":0.09296269714832306},{"text":"They are Yeah. pretty pretty competitive and good and Yes. can have a look at that for you.","start_word":1397,"end_word":1414,"sentiment":"positive","sentiment_score":0.5444283485412598},{"text":"Now I guess when it comes to kind of goals, the stuff that you are working towards or that you are wanting to achieve, during annual review, it's usually a good kind of time to see, well, what's happened in the last twelve months? How did we go? Is that still the goals? Would you have any new things that you are working towards? And when we spoke to you last time, your main focus was to sell your current unit and buy a a villa, a bit bigger house. Is that still Yep. Yeah. kind That's of what you still the plan. mhmm. It's just got a bit yeah. Everything's sort of a bit of a big year. Prices? Lot lot of things Yeah. happen, Yes. but that is sort of the the plan, either a villa Yeah. or a town, at least an upgrade from a away from apartments. Yep. Okay.","start_word":1415,"end_word":1567,"sentiment":"neutral","sentiment_score":0.06033627688884735},{"text":"Perfect.","start_word":1568,"end_word":1568,"sentiment":"positive","sentiment_score":0.5071393251419067},{"text":"And is there anything else that you are focusing on or that you are wanting to achieve in next couple of years or within the next twelve months or anything like that? I wouldn't say anything that I could think of at the moment. Yeah. No. That's all good. Next is kind of, I guess, when it comes to your superannuation and how your money is invested. What I will do is just quickly run through that risk profile questionnaire with you, Anthony, just to see if Yep. there is anything major that has changed, if we do Mhmm. need to make any, like, tweaks and changes to how your money is invested. Yeah. So at the moment, obviously, we do have here that you obviously, it's quite a while away until retirement, but, ideally, Mhmm. you would like to access super at 65. Is that still Yes. kind of the plan, do you think? You'd work a little bit longer? Yes. Yep. Yeah. I'm sorry. Yeah.","start_word":1569,"end_word":1735,"sentiment":"neutral","sentiment_score":0.03997934370965301},{"text":"And then an ideal income for you during retirement, I have here at about $600 per week.","start_word":1736,"end_word":1752,"sentiment":"positive","sentiment_score":0.38303276896476746},{"text":"Do you think that would still be achievable, or do you think you would need a little bit more? Well, I guess with inflation, it's probably not much anymore. Is it 600? Yeah. It also obviously depends on how extravagant you want your retirement. And for most people, it's you know, by the time you retire, ideally, you wanna be debt free and not have a mortgage attached. And then it would just kind of be, obviously, like, living expenses Living and costs. travel. Yeah. I I mean, I guess if I don't have a mortgage or anything then And that would just I mean, be for you as well. Yeah. yeah. Yeah. Probably, like yeah. I I guess so. Or maybe even, like, $7.50, but Yep. I'll put it at $7.50.","start_word":1753,"end_word":1884,"sentiment":"neutral","sentiment_score":0.1000811904668808},{"text":"Perfect.","start_word":1885,"end_word":1885,"sentiment":"positive","sentiment_score":0.7264673113822937},{"text":"And I guess when it comes yeah. to a level of risk that you are comfortable with for your superannuation, obviously, making sure it it grows as much as possible, would you say that you are willing to accept very high risk, high moderate, or a small amount of risk for your superannuation? Probably probably high or moderate like it yeah. Yep. What was it at last time? Last time you had high. So not like the super high, but you had Yeah. high. Yeah. Yeah.","start_word":1886,"end_word":1971,"sentiment":"neutral","sentiment_score":0.068705715239048},{"text":"I think That'll that's be fairly good.","start_word":1972,"end_word":1978,"sentiment":"positive","sentiment_score":0.4292324781417846},{"text":"similar. Okay. Yep. Yep. And if you did see fluctuations in your superannuation due to, obviously, general trends in the market, so not, like, one particular investment that's gone bad, just kind of the market as a whole, would you want to if you had the option to do so, wanna invest a little bit more while the prices are down, kind of be a bit neutral and, like, hold and wait to see what happens to everything, or would you If rather the prices if the prices Yes. went down, like the shares Yes. and everything, Yes. I would be probably wanting to put more into that Moe? just so when it does go up because I'm Yes. I'm sure eventually with the market, things will just continuously go up even if it takes a couple of years. I'm guessing that's sort of That's exactly right. So, obviously, yeah. when we do look at the market historically, you can see long term, it always goes up. But short term, depending on what is happening, you will have those ups and Yeah. downs and market fluctuations. Yeah. So, yes, that's definitely So for, correct. yeah, for the moment, I would do that Yep. because I'm not I'm obviously not close to retiring, so Yeah. I have You the you time got to time. weigh it out. Yes. Well, that basically kind of aligns with a high growth portfolio, which is the portfolio we currently Yep. have you invested in. Is that still something that you are comfortable with? Do you kind of understand what it means to be a high growth investor? Yeah. Yes. Yes.","start_word":1979,"end_word":2253,"sentiment":"neutral","sentiment_score":0.032288441319357264},{"text":"Okay. Perfect.","start_word":2254,"end_word":2255,"sentiment":"positive","sentiment_score":0.4539746344089508},{"text":"And when we are talking about that time frame, ideally, for making sure you obviously have enough time for those short term fluctuations, we like to see about years until retirement, ideally, Mhmm.","start_word":2256,"end_word":2288,"sentiment":"neutral","sentiment_score":0.2112515419721603},{"text":"in a high growth, which you certainly have. So it's definitely a good position to maximize that growth for you.","start_word":2289,"end_word":2308,"sentiment":"positive","sentiment_score":0.5365905165672302},{"text":"And when it comes to as well kind of how everything is allocated, typically, in a high growth portfolio, we see about that 90% in your growth assets. And that is a combination of, like, Australian shares, international shares, property, and commodities, which is ultimately what is going to grow your super Yes.","start_word":2309,"end_word":2361,"sentiment":"neutral","sentiment_score":0.24846334052535723},{"text":"for you.","start_word":2362,"end_word":2363,"sentiment":"positive","sentiment_score":0.38372430205345154},{"text":"And then about 10% in defensive, like your your cash, your gold, your fixed interest. Just little fluctuations a little bit, and that that main focus is to to grow that as much as possible.","start_word":2364,"end_word":2398,"sentiment":"neutral","sentiment_score":0.20486041903495789},{"text":"Yeah. Perfect. You're still happy with that high growth portfolio? Yes.","start_word":2399,"end_word":2409,"sentiment":"positive","sentiment_score":0.5413852334022522},{"text":"Yep. Yep.","start_word":2410,"end_word":2411,"sentiment":"neutral","sentiment_score":0.28154587745666504},{"text":"I'm happy with that.","start_word":2412,"end_word":2415,"sentiment":"positive","sentiment_score":0.569828987121582},{"text":"Yep.","start_word":2416,"end_word":2416,"sentiment":"neutral","sentiment_score":0.261349618434906},{"text":"Okay. Great.","start_word":2417,"end_word":2418,"sentiment":"positive","sentiment_score":0.4775307774543762},{"text":"Now it does sound like you are deriving at the moment. Is that right? I've just pulled over. Ah, okay.","start_word":2419,"end_word":2438,"sentiment":"neutral","sentiment_score":0.22617030143737793},{"text":"Perfect.","start_word":2439,"end_word":2439,"sentiment":"positive","sentiment_score":0.44691377878189087},{"text":"Because if it's safe for you to do so or if you have time, I have sent you an email with some documents to kind of quickly run through with you if Mhmm. you have the option of accessing those for me. Yes. I see that. Yep.","start_word":2440,"end_word":2486,"sentiment":"neutral","sentiment_score":0.189212828874588},{"text":"Perfect.","start_word":2487,"end_word":2487,"sentiment":"positive","sentiment_score":0.44723403453826904},{"text":"Now we have just changed the software as well. So it might look a little bit different to what you have been used to before. It's Mhmm. kind of the same, though, where it will ask you to click on a link to sign, but it will allow you to open up and look at everything first just to make sure that you are happy with everything Mhmm. before it prompts you to sign anything. Yep. Now let me know if you can see your first and it should say super and insurance summary. Can you see that okay? Yes. Yes. Okay. So with that, you can see that you do have your superannuation with hub twenty four. You do have about a 109,399 in there. And then you also have some insurances with Clearview. Yep. So for your life and total permanent disability, you have $1,209,901. Now with that level of cover, are you still kind of comfortable with how much you are covered for if something were to happen? Do you wanna make a changes? What are your Mhmm. thoughts? No. I think that's still good. Yeah. It would obviously pay out the mortgage if something were to happen. And, obviously, if something were to happen and you can't go back to work, it still give a pretty decent amount of income replacement if something were to happen or cover funeral or lump sum expenses.","start_word":2488,"end_word":2724,"sentiment":"neutral","sentiment_score":0.1274560141035273},{"text":"Yep. So it's a pretty pretty decent amount.","start_word":2725,"end_word":2732,"sentiment":"positive","sentiment_score":0.6334330439567566},{"text":"Income protection, you do have a monthly benefit of about $5,159 per month. You Mhmm. do have a thirty day waiting period and a five year benefit period. Yep. That is all paid from within the suit so within hub twenty four. And after that tax rebate, total premium is $3,029.40. Do you have any questions in regards to your insurances? Are you still happy with that income protection as well? Yeah.","start_word":2733,"end_word":2804,"sentiment":"neutral","sentiment_score":0.18884220719337463},{"text":"Yeah. I'm so happy. Yep. Okay. Perfect.","start_word":2805,"end_word":2811,"sentiment":"positive","sentiment_score":0.48802974820137024},{"text":"Now the next document should be your hub twenty four performance report, I believe. Yes. Yes. Perfect. So this one here might look a little bit messy or hard on the phone, Mhmm. but it basically breaks down all your individual investments and how they have performed over the last twelve months. So, obviously, during the last twelve months, we have obviously seen some fluctuations in the market. First, everything with, obviously, in The US with Trump and tariffs and everything, you'd see a bit of fluctuation. But, obviously, more Yep. recently with the war as well, we have seen a bit of fluctuations. Now if you have a look at the second column to the right, it should say internal rate of return. Which Can one? you see that? I've I've actually actually gone to the next document accidentally, but I did see that before. That's Yeah. okay. No. That's okay. Basically, it breaks down all your individual investments and how they have performed. Now Yes.","start_word":2812,"end_word":2978,"sentiment":"neutral","sentiment_score":0.019169358536601067},{"text":"most of them have done pretty good considering the market, which is good.","start_word":2979,"end_word":2991,"sentiment":"positive","sentiment_score":0.3451032042503357},{"text":"There is two that is down at the moment. One of them I do wanna look at changing for you. The other one is just your your property investment. It is just down slightly by about 10.68%, Mhmm. which Yep. is kind of understandable given, obviously, what's happening Yeah. in the market. So I'm not very concerned with that. Yep. The other investment that is kind of underperforming a little bit at the moment is your Benelon Australian Equity Investment. Have you ever heard of that one before while you're quite familiar with managed funds and stuff? I've heard of it. I wouldn't say I'm well understanding what it is. But Yeah. No. That's yeah. all good. So with the Benelung investment, they are a managed fund. So, basically, how it works is that they are actively trying to buy and sell different investments in order Yep.","start_word":2992,"end_word":3138,"sentiment":"neutral","sentiment_score":-0.05234283756236641},{"text":"to try to outperform the market. Now they have been very successful in doing so, which is why it was added to your portfolio, obviously, Mhmm.","start_word":3139,"end_word":3164,"sentiment":"positive","sentiment_score":0.36939042806625366},{"text":"when you came on board. But more recently, they've been a little bit slower in making those, decisions. But then, also, one of the investments that they had in their portfolio, was the corporate travel group. I'm not sure if you heard anything about Corporate them. yeah. Okay. Travel group? Yeah. Yeah. I do know Yeah. them. Yeah. So, obviously, they had a bit of issues with reporting, which obviously caused everything to be suspended and just kind of be be on pause. So that did see a bit of the decline in the investment. So the good thing with hub twenty four is that there is hundreds and hundreds of different options for us to choose from. Mhmm. Now we also don't want to be like, if an investment is slightly underperforming temporarily and we foresee coming back around, it's not like we day trade your super. It's obviously a long term investment. Mhmm. But at the same time, we also want to be proactive. So if there's an investment that we see not being potentially the best one for you moving forward or there's other options that is going to give you more growth, then we also want to be proactive in making changes. Yeah. So with the Benelung investment, the investment committee have done a lot of research on it, and do think that there's another suitable option out there that is going to be a little bit better for you to just kind of swap it out for. Mhmm. Now the one that they've looked at a lot is your BetaShares a 200. Have you heard of that? I've heard of it. Yeah. So it is obviously a little bit different through your managed fund, but you are kind of actively buying and selling different investments. It is still invested in Australia, though. So if we are taking out one Australian investment, we still wanna make sure that we swap it for a a kind of similar substitute to give you that well rounded diversification. We don't wanna have overexposure to one market or too much underexposure to one market. So Yep. it was finding another Australian investment that was a little bit cheaper, performing a little bit better for you while still giving you that diversification. And Mhmm. the BetaShares a 200 came up as one of the most competitive one. Yep. Now how that one then works is basically invest in the 200 largest companies listed on the ASX. So, obviously, Mhmm. very diversified. Gives you all the big banks, BHP, Woolworths. So, again, very diversified option. And, obviously, as the company kind of grows in bigger, added to the 200 and something small kind Yep. of comes up. Yep.","start_word":3165,"end_word":3620,"sentiment":"neutral","sentiment_score":0.019127223338408952},{"text":"Would you be happy for us to make that one change for you?","start_word":3621,"end_word":3633,"sentiment":"positive","sentiment_score":0.34342992305755615},{"text":"Yep. Yeah.","start_word":3634,"end_word":3635,"sentiment":"neutral","sentiment_score":0.17079776525497437},{"text":"I'm happy with that.","start_word":3636,"end_word":3639,"sentiment":"positive","sentiment_score":0.36363309621810913},{"text":"Yeah? Okay.","start_word":3640,"end_word":3641,"sentiment":"neutral","sentiment_score":0.26411160826683044},{"text":"Great. Perfect.","start_word":3642,"end_word":3643,"sentiment":"positive","sentiment_score":0.5384896993637085},{"text":"So what I will do just for your records is that I will send you, in the next couple of days, something that's called a record of advice. You don't Mhmm. have to sign it. It is just for your reference to say that we have swapped out the Benelon and just replace it straight for the a 200 for you. Yep. Yeah. Okay.","start_word":3644,"end_word":3707,"sentiment":"neutral","sentiment_score":0.14716924726963043},{"text":"Beautiful.","start_word":3708,"end_word":3708,"sentiment":"positive","sentiment_score":0.4114469289779663},{"text":"If you do have any questions or anything, let me know. But does that kind of all make sense otherwise so far, Anthony? Yep. It does. Yeah. Okay. Great. Now the next document, is that your Vanguard index chart? Is that the one you can see at the Yes. moment? What is that? Yep. Yeah. Have you ever seen something like this before? Yeah. I think we looked at it last time. Yep. So every year, Vanguard does release an updated version. They do it at the end of the financial year, so the next one is due to come out any any day now. Mhmm.","start_word":3709,"end_word":3814,"sentiment":"neutral","sentiment_score":0.09024923927379104},{"text":"It's just good because it does show you kind of when we were talking back through the market historically.","start_word":3815,"end_word":3833,"sentiment":"positive","sentiment_score":0.35866114497184753},{"text":"It shows you that over the long term market always goes up, but short term, you will have those ups and downs and market fluctuation depending on what is going on. Yep. This one also shows from 1995 through to 2025, and it breaks down the different asset classes on the right side as well. Referring back to that high growth portfolio, this is where you have your kind of top four. So The US shares, Australian shares, international shares, and property, that forms part of that growth component, which you have about 90% in, and then the bottom three are your defenses. Yep. Yep.","start_word":3834,"end_word":3938,"sentiment":"neutral","sentiment_score":0.13556447625160217},{"text":"Perfect.","start_word":3939,"end_word":3939,"sentiment":"positive","sentiment_score":0.42603474855422974},{"text":"Now the next document, is that your certificate of currency with Clearview? Yes. Clearview. Yep. Yep. Yep.","start_word":3940,"end_word":3956,"sentiment":"neutral","sentiment_score":0.1104249656200409},{"text":"Beautiful.","start_word":3957,"end_word":3957,"sentiment":"positive","sentiment_score":0.5139840841293335},{"text":"This one here basically just lets you know that your insurances is all paid and up to date. So it just breaks that down in a little bit more detail for you.","start_word":3958,"end_word":3989,"sentiment":"neutral","sentiment_score":0.25426027178764343},{"text":"Awesome.","start_word":3990,"end_word":3990,"sentiment":"positive","sentiment_score":0.39233148097991943},{"text":"Yep. Yes. Now next one is that It you owe OQ guide. is. Yes. So you probably have seen this one Mhmm. a couple of times before. It is one of those compliance documents, but it does give you all the important information regarding us here at OQ. None of the important information has changed, but we've had a bit of an extension to the team, which is great. Also, Mhmm. a bit of an updated marketing. But if you do scroll through, you will see the directors, all our advices. And if you do scroll through page 10, you will then see myself as well if you do wanna put a phrase to voice. Yeah. Yeah. Cool. Yep.","start_word":3991,"end_word":4109,"sentiment":"neutral","sentiment_score":0.09562842547893524},{"text":"Beautiful. Awesome.","start_word":4110,"end_word":4111,"sentiment":"positive","sentiment_score":0.5032336711883545},{"text":"And I do think you spoke to my colleague, Dana, last year as well, which is Yeah. just right next to me. Oh, there you go. So yeah. And now next document for me, is that your ongoing service agreement, or or what can you see on your end? Option to provide tax file number. Oakview Financial. Yep. So this is one if you're happy to do so, it will ask for your signature. It is Mhmm. a compliance form, basically, just to say that we are keeping your tax fund number secure and safe on Yep. file. I can't Yep. see why not. One Yeah.","start_word":4112,"end_word":4217,"sentiment":"neutral","sentiment_score":0.1080370492670896},{"text":"Perfect.","start_word":4218,"end_word":4218,"sentiment":"positive","sentiment_score":0.507642924785614},{"text":"And then there should moment. be one more after that. That, again, it will also ask for your signature if you are happy with that, and let me know when you can see that just so I can Yeah. explain it. It's content to new ongoing fee arrangement.","start_word":4219,"end_word":4266,"sentiment":"neutral","sentiment_score":0.14269469678401947},{"text":"Yes. So that one here, same as last year, is just to say that you are happy to stay on as a client.","start_word":4267,"end_word":4289,"sentiment":"positive","sentiment_score":0.5276983976364136},{"text":"Now, Anthony, I do wanna let you know as well that there's been no changes whatsoever in regards to the fee structure. That Yes. stays exactly the same at 1.65 from superannuation, so no changes there. And it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But, basically, otherwise, by signing this, it allows us to manage your investments and your accounts and everything for you until next annual review where then you will be asked to sign another one just to make sure, again, you are happy with everything. Yep. And it That's will done. ask Okay. for your, yeah, date and signature. And then Just it loading. should say Validate. validate. Yep. So I've clicked that, and it's just saying loading at the moment. Yep. No. That is all good. Yep. You yep. That's all done.","start_word":4290,"end_word":4443,"sentiment":"neutral","sentiment_score":0.18048730492591855},{"text":"That should be all good. Perfect.","start_word":4444,"end_word":4449,"sentiment":"positive","sentiment_score":0.44729357957839966},{"text":"So I'm sure that comes through to me shortly. Now I do also wanna triple check for you the beneficiary we have on file. So that Yep. is just if something were to happen to you just Mhmm. so that we do have the right person nominated. Now apologies if I mispronounced the name, but I have Yep. Yeah. Jen Jen. Yes.","start_word":4450,"end_word":4511,"sentiment":"neutral","sentiment_score":0.08503919094800949},{"text":"Beautiful.","start_word":4512,"end_word":4512,"sentiment":"positive","sentiment_score":0.4153844118118286},{"text":"Yep. That's still correct? Yep. Correct.","start_word":4513,"end_word":4518,"sentiment":"neutral","sentiment_score":0.1749705821275711},{"text":"Yep. Perfect. So, yeah, that's all in place.","start_word":4519,"end_word":4526,"sentiment":"positive","sentiment_score":0.4661865532398224},{"text":"It is nonlapsing, which means that it stays in place until you decide to change it.","start_word":4527,"end_word":4542,"sentiment":"neutral","sentiment_score":0.25592631101608276},{"text":"So that is Yep. all good.","start_word":4543,"end_word":4548,"sentiment":"positive","sentiment_score":0.47144290804862976},{"text":"Basically, obviously, like I said, I will send you that record of the device in the next couple of days just for your reference. Like I said, you don't need to sign it or anything just to say that Mhmm. we are doing that one investment change for you. But do you have any other questions or or anything else from me, Anthony, before I let you go and enjoy the rest of your afternoon? Not that I can think of, but Yeah.","start_word":4549,"end_word":4631,"sentiment":"neutral","sentiment_score":0.19355285167694092},{"text":"All good. Perfect.","start_word":4632,"end_word":4634,"sentiment":"positive","sentiment_score":0.579504668712616},{"text":"If you do, though, you know, don't hesitate to ever just give us a call or or send me an email as well, if there's Yep. anything that you do need.","start_word":4635,"end_word":4665,"sentiment":"neutral","sentiment_score":0.1715586930513382},{"text":"No worries. Well, thank you so much for your time today, Anthony. It was lovely speaking with you. Awesome. Yep. And anything you need, just give us a call. Awesome. Thank you very much.","start_word":4666,"end_word":4699,"sentiment":"positive","sentiment_score":0.669059157371521},{"text":"No worries. We'll speak soon. Okay. Bye. Okay. Bye.","start_word":4700,"end_word":4708,"sentiment":"neutral","sentiment_score":0.2008367031812668}],"average":{"sentiment":"neutral","sentiment_score":0.09352151617847083}}}}